Streamer Makes Amazing $$$ And Is Still In Debt►kzread.info/dash/bejne/ZXWsrrB6g7PFoco.html

@zurandai1965

6 ай бұрын

description says 12 dec 2025 buddy

@Xetarine

6 ай бұрын

​@@zurandai1965Lol didn't even notice

@napoleondynamite6993

28 күн бұрын

@@zurandai1965when did this video drop then?

@MellissaBoomeroftheNight

9 күн бұрын

You have to pay a nonresident tax rate if you don't live where you work. It's one of the first questions on the tax form. I haven't done my taxes in years, but prior to that, I used to help people with their EZ's for a small fee, which used to be legal for anyone, as long as you were just assisting and not signing on their behalf or giving them advice.

I've never seen someone do a media tour on how broke they are.

@PapaTanGh0stNI9htM4R3S0nMaInSt

6 ай бұрын

Now you have.

@hamad7401

6 ай бұрын

Or how pathetic and sad they are.

@bennymountain1

6 ай бұрын

They probably pay him for content.

@jacobholley6181

6 ай бұрын

@@bennymountain1if you think people are paying him your crazy he needs them more then they need him 😂😂😂. I’m sure boogie using the attention scheme to generate more views

@TehIdiotOne

6 ай бұрын

That's exactly why he's doing it. He's doing the tour to get *some* money for it, but also sympathy in the hope of retaining/gaining new subs/viewers i suspect.

I cant stand Boogie now. He has an excuse for every reason why his life sucks. Absolute energy vampire

@frankmarano1118

6 ай бұрын

He's a loser lol, I mean that's why his podcast is called the lolcow podcast. At this point he can only embrace the lolcow

@tableslayergaming

6 ай бұрын

He could be on the counsil

@crisjr6478

6 ай бұрын

Almost like he needs to pull himself up bye his boot straps as all conservatives say😂😂😂😂

@tpolutts3309

6 ай бұрын

​@@crisjr6478 Subsidizing his bad decisions for 30 years doesn't seem to have helped him.

@nikki8104

6 ай бұрын

"I didn't grow up with money" yeah neither did I, but I always knew that saving is better than spending on dumb, unnecessary shit

Fun fact, on the lolcow podcast after this one, Boogie called Caleb dumb and made fun of his financial advice. Boogie really knows how to be pleasant when face to face with the person and then berate them when they aren’t in the room.

@HarleyMeseekes420

6 ай бұрын

Which one? The one about pokemane?

@samueltesta1558

6 ай бұрын

@@HarleyMeseekes420 the one that seemingly just came out. It’s Boogie, Wings, and Keem. I think the title is something like “Keem calls out Boogie and Wings.”

@BrainBurnStudios

6 ай бұрын

​@@samueltesta1558that's just classic Boogie behaviour tbh

@Wootstapler

6 ай бұрын

It's just his "character" that he plays. Like who tf is bro kidding? What character? Your sorry excusive ass is your character.

@StFido

6 ай бұрын

@@samueltesta1558holy fuck that podcast like the unholy trinity of fucking losers.

Boogie: "Im going to die early because of sever health issues due to morbid obesity and I want to leave money for my useless girlfriend" Caleb: "Maybe spend less on fastfood, that would solve both those problems" Boogie: "No"

@asavel6227

6 ай бұрын

That fat is for sure an investment 😂

@juke9576

6 ай бұрын

Something that these people need to call him out on is he’s clearly doing a tour.. like he’s going to all these different people saying the same stuff, that he KNOWS is absurd for publicity

@chrishekman6179

6 ай бұрын

@@juke9576 I understand your point, but i think the story he is touring with is true though. He is morbidly obese, he wont live till 60, he girlfriend is useless and he probably is broke as fuck.

@woodsofchaos

6 ай бұрын

Just don't be addicted 4Head

@sommerblume9671

6 ай бұрын

@@woodsofchaos Just do nothing ever and cry about it 4Head

I need to go to sleep Edit: it’s been a week, and it’s 3 am rn, i still need to go to sleep.

@ryan_the_overlord

6 ай бұрын

Sameeeeeeeee

@hov5063

6 ай бұрын

Same

@Attkinz

6 ай бұрын

Don’t we all. Finals week too 😔

@HalSteuart

6 ай бұрын

ONG

@Bomber103378014

6 ай бұрын

Same. Got work tomorrow

His mom calling him and singing him happy birthday is so wholesome.

@EbolaWagon

6 ай бұрын

Glad I wasn’t the only one who enjoyed that moment

@fitzgeraldfilmsMN

6 ай бұрын

Lovely stuff

@jailbreakoverlander

6 ай бұрын

But lets not foregt HE SAID shes beat and MOLESTED HIM constantly. CLaw hammer to the Head LOLOLOL

@iamxevicho5170

6 ай бұрын

@@jailbreakoverlander I don't know much about Destiny and his parents so I don't really know.

@notan3144

6 ай бұрын

​@@iamxevicho5170The person you're responding to thought you were talking about Boogie because they haven't watched the video.

That phone call from your mom brought me to tears. I lost my mom from Lewy Body Dementia during covid, and she would alllwaaaaayyys sing that same happy birthday song. 🥹 so glad that interaction happened, that brought back so many memories.

@deevasquez1171

6 ай бұрын

Man dementia truly sucks. But that’s a beautiful memory to have, may she rest in perfect peace.

@matthhiasbrownanonionchopp3471

6 ай бұрын

May her soul rest in peace. It sounds like she was a wonderful woman

@SubzeroBlack68

6 ай бұрын

Yeah it hit me hard too. My mom got Covid while fighting Cancer and it made her too weak and sick to continue going through her Chemo and she passed away exactly 1 year ago this week. Last week was my first Birthday without her and I take time out of every day to just close my eyes and imagine her voice. I fear one day forgetting how she sounds and her voice.

@DojaKai

6 ай бұрын

😢❤❤❤❤

@Naptosis

6 ай бұрын

@@SubzeroBlack68 One day it will happen. And you'll forget her face. But it's not permanent; you'll hear a sound, smell a flower, or you'll be holding a pen to paper, and it will all come back. Your mum will never truly be gone. 🤍

$900 per month on fast food is literally insane. He thinks this is "infrequent" and "incredibly cheap" too. He actually said eating at Arby's was an "investment" because "they give you a ton of food there". 😂

@bigdadybojangls9219

6 ай бұрын

Bro is just lazy as fuck and doesn’t want to Cook. It’s fucking crazy. Dude will pay like $10 for a bun, a piece of cheese and some meat. When like $20-$25 at the grocery store can get you enough for 10 of those same sandwiches

@notsocooljoe

6 ай бұрын

I mean look at him of course he thinks it's an investment. You need a lot of food to keep that kind of mass.

@FlingGibstopper

6 ай бұрын

I feel bad after wasting money on fast food once a week, how tf can anyone eat that shit more than once a week blows my mind. You can go to a farmers market can get enough food to last a week for under a hundred bucks

@chrishekman6179

6 ай бұрын

Its hilarious. Boogie: "Im going to die early because of sever health issues due to morbid obesity and I want to leave money for my useless girlfriend" Caleb: "Maybe spend less on fastfood, that would solve both those problems" Boogie: "No"

@iannordin5250

6 ай бұрын

He kept trying to justify the purchase of a Tesla as an investment before correcting himself. It's obvious the way his mind works.

Boogies financially problems scare me so much it’s making me want to get me life together to not be anywhere close to this situation in life. Thanks boogie

@yeahright3901

6 ай бұрын

fuck the financial situation, the health situation is even worse, get on that cardio routine as soon as possible

@LAKXx

6 ай бұрын

fak the financial and health situation, man needs a fighting force of trained psychohypnotherapists with a well connected pharmacist present to microdse the ayahuasca.

@malirk

6 ай бұрын

@@yeahright3901 His health has gone more in the right direction than his finances. The problem is that he is denying all his spending. He talks about eating out explaining it away by "how cheap it is" when it's not. No one is spending $15 on three people at Chick-Fil-A. That would be $4.50 a person before tax. The sandwich alone is $4.85.

@mikec2845

6 ай бұрын

​@@malirk Idk, he had a gastric bypass years ago and I'm fairly certain he has just gained most of the weight back. Still down from his highest, but it's pretty clear Boogie is about as responsible for his weight as his finances

@derp2018

6 ай бұрын

nah boogie is just so far gone. you see how he constantly admits his own problem but he thinks he's a better person because he's "admitting" his problem but he doesn't care to change his behaviour.... dude is a legit lost cause

Mom's call was so cute. All the loving moms out there we love you and we miss you.

@fatcat22able

6 ай бұрын

If you’re reading this, call your mom.

@wontonschannel

6 ай бұрын

Here before someone with a bad relationship with their parents tries to energy vampire this thread. (Call your grandma as well)

@sorryimsosad

6 ай бұрын

@@wontonschannelnope gotta share the fact I have no mom. And my grandma is a narcissist so nice try

@DustyyBoi

6 ай бұрын

​​@@sorryimsosadwell I don't have a mom _or_ a grandma, so be happy for your narcissistic grandma 🥰

This Caleb guys is good. He's not letting Boogie get away with nonsense.

@imnezu8940

6 ай бұрын

Caleb does a good job of not letting people make excuses. He interrupts the moment they start doing it and holds them accountable which some of these people need to hear it’s something I needed to hear as well I learned a lot from his channel.

@insertoyouroemail

6 ай бұрын

@@imnezu8940 Yeah, will definitely check out his channel.

@veeeks2938

6 ай бұрын

Meh, he let him get away with numerous things, like the fact boogie has two houses (the one he lives in, and the one his 'abusive' mom left him, which he let rot)

@insertoyouroemail

6 ай бұрын

btw Boogie said this was humiliating but you can tell he loves talking about how bad he is

@rmx33383

6 ай бұрын

He completely let him get away with nonsense a few times he corrected him otherwise no.

Saying you're like a landlord when you're talking about the house you live in is like saying you're babysitting when it's your kid 💀

@dLzzzgaming

6 ай бұрын

So it's accurate?

@St0ved

6 ай бұрын

Well if you buy a legal duplex and rent the other half, you are a land lord. Location and the cost of real state vary, advice given on this subject is not absolute.

@BadgerUKvideo

6 ай бұрын

My landlord doesn't charge me any rent. He did make me pay for new plumbing, boiler, and washing machine though. To be fair, he is extremely handsome and is currently writing this comment.

@jdubo1998

6 ай бұрын

​​@@dLzzzgamingOne is a homeowner, the other a landlord. One is a parent, the other is a babysitter. Not the same in either respects.

@JP__Delta

6 ай бұрын

Actually

Bruh had a roommate for 25 years who didn't pitch in rent. Smh, I am so grateful for my friends!

@jonamar3965

6 ай бұрын

Behind every patsy, is a good conman.

@EHJdood

6 ай бұрын

He needed a gun supplier in case of emergencies!

Man boogie is the type of guy I’d hate. I feel like he takes the opportunity to turn every advice session into a therapy session, or at least he tries to. Maybe I’m cold or something but I roll my eyes every time he tried to tell a story about how he planned to end himself and such. Also, the “explaining problems accurately but never doing anything about it” is so toxic. Boogie has been saying this sht for years man, but he does nothing. It’s triggering watching him do it to everyone he talks to.

@_HenryLing

6 ай бұрын

This entire episode feels like he's hoping to turn his bad financial decisions into a PR campaign.

@Kuroganemk2

6 ай бұрын

Well, you can see how bad he is at fixing his problems by his weight. Had that bypass and got almost all the weight back.

@YemYum

6 ай бұрын

@@Kuroganemk2yeah, and also that fucking late fee he just had. Why tf is he having late fees? Why is he not checking his bank account every single day to make sure nothing weird is happening? Stuff like this makes no sense. It’s like he loves being a living failure.

@Kuroganemk2

6 ай бұрын

Yeah lol, still eating out a few times a month and probably the food they eat could be reduced and the meals made cheaper. I bet he could squeeze out 50-100 bucks a month less from food bills. @@YemYum

@deagle2yadome696

6 ай бұрын

you’re cold.

Destiny was so bang on the money with the "energy drainer" person. Always identifying and solving problems out loud but never solving the problem in reality. Destiny has so many good analyses of people and she gives great advice. Clever lady.

@nicholaskinkaid

6 ай бұрын

There's a saying that these kinds of people live by. It's: "Do as I say, not as I do". The only kind of person that lives by that saying is a hypocrite, and once it's made clear that they are a hypocrite, any empathy/sympathy I could have just goes right out the damn window.

he didnt want advice, he wanted another pity party

@beewest5704

6 ай бұрын

He lives on them.

I’d give up serious money to see DSP go on financial audit lol

@erhiueQWEF

6 ай бұрын

he'd demand serious money as compensation.

@EpicCoolGuy21

6 ай бұрын

Imagine him explaining the $30k spent on a WWE mobile game

He’s so clearly treating this as a therapy session not as a financial help session. Obviously needs help but putting Caleb in this position is kinda unfair.

@phillkny45

6 ай бұрын

It works ! You all talk about him , make content about him and it makes him money

@silversalmon9909

6 ай бұрын

@@phillkny45 Thats not how this works. lol

@youtubeviolatedme7123

6 ай бұрын

I think both Caleb and Boogie could have been more professional. What was the point of Caleb bringing up Boogie's current relationship at 28:20 in this video? I know your income tax bracket might change after marriage, but Caleb didn't even mention this. It seems like Caleb was trying to farm some juicy dirt on Boogie while masking it as concern for his partner's future wellbeing, and the title of his video doesn't really convince me otherwise. That being said, it would be unfair of me to not point out that Boogie did also spend way too much time trying to correct Caleb on why he was in financial turmoil rather than trying to come up with solutions.

@secondrule

5 ай бұрын

Sadly, he will never learn. He could have gone to a supermarket, got: rolls $3, hamburgers $10, lettuce, tomatoes, lg bottle of soda $2, case of water $3, etc and spent a little bit more than an Arby's meal but get 8-10 meals out of the supermarket purchase.

I used to live in a house. Trying to keep it livable literally bankrupted me. I was going in to at least 2k in debt every year I lived there. Simply moving into an apartment saved me enough money to claw myself out of debt. Also having to pay for the pleasure of breaking frozen sewage so I can repair a septic line in the middle of a blizzard so my house doesn't flood, really put a lot in perspective. A house can definitely be a good decision but you need to be realistic & objective about it. If your living there it's not really an investment & most investment vehicles don't have these huge maintenance fees & you don't have to shovel frozen sh*t for it. Also paying more than a 100 USD for a dog is insane. There is a shelter in every city in every county with plenty of needy animals. Make a budget & stick to it kids.

@AspiringDevil

6 ай бұрын

@@alexbernier7903 this man is correct. Technically I was as f*cked as I could have been as it was an inherited property so I didn't really pay anything for it up front. But absolutely should have had someone inspect it & tell me what actually take to keep the home up to code. Because the smart thing was to sell the property to someone who could handle what it needed. Instead I end up selling it to nearby farm. They torched the house & turned the property into a goat farm.

The moment when he said he was paying his credit cards off every month and you find out he was actually just paying the minimum balance hurt me.

@beewest5704

6 ай бұрын

Some ppl seriously think owning the minimum is paying their cc off.

We knew Boogie was lying about his expenses pertaining to his food intake but learning he spends nearly a grand on fast food every month is just absurd for someone who keeps crying about how broke he is.

@nicholaskinkaid

6 ай бұрын

Yes, I would say Boogie lies about most of everything. But no, I absolutely disagree that it is absurd for someone to learn they have horrific financial management while crying about being broke. It's specifically because of their horrible money management skills that they end up with such a negative debt/income ratio.

Boogies constant justifications of his situation gave me the biggest itch to solve any financial hurdles I have. And my hurdles aren’t anywhere close to his.

I live in an apartment. Simply by paying off my car loan (finished paying that off last month) and having no credit card debt, my credit score is 803. Destiny is correct. You do not have to do anything crazy or exotic to get good credit. Just pay your bills on time and try your best to always be lowering your debt. Thats really all you need to do.

@IcedEarth426

6 ай бұрын

Agreed. And contrary to some people's beliefs, you don't need to be wealthy to have good credit.

@ericmcmanus5179

6 ай бұрын

@@IcedEarth426 exactly. I'm certainly not rich by any means.

This is why I'm unsub Boogie's channel back in 2018. This guy is the entity of negativity. It's not evil or toxic or laziness, Boogie did work a lot. The negativity is crazy with this man.

Boogie is the epitome of punching yourself in the face and complaining that it hurts.

The homeownership rant had me laughing out loud.

The guy talking to Boogie is perfect. Boogie"... at that time I didn't know if I had a future because I considered taking my own life..." Financial guy: "mm hmm"

boogie played everyone like a damn fiddle. Its absolutely insane someone can say theyre mentally unwell because theyre "covert narcissist" and "manipulative" and everyone just saws. "aww cute isnt that sad hes mentally unwell" and dont realize the red and white stripes as they keep playing with him.

@jomommashawt

6 ай бұрын

For me it's whenever he gets cornered on an uncomfortable topic he switches into the "I want to kill myself" pity mode to make the other person stop putting the pressue on, whether he does it intentionally or not is irrelevant. It's 100% manipulation and he's very good at pulling the card when it suits him

@theowainwright7406

6 ай бұрын

Dude so good at playing ppl he played himself the hardest

@Flooding474

6 ай бұрын

⁠@@jomommashawthe constantly uses trauma dumping as a tactic to avoid responsibility. Poor widdle me 😢

Im learning a lot from seeing boogies failed state, and its encouraging me to get off my ass and fix my life. Im not nearly in such a bad situation as i work full time for decent money for my age and experience.

@vlodek69

6 ай бұрын

cool

@christopher8641

6 ай бұрын

It feels kind of bad to be motivated from someone else's downfall... But I'm in the same boat as you.

@totallynotthecia

6 ай бұрын

@@christopher8641not at all man you’re learning from others mistake’s basically you shouldn’t beat yourself up about that. Feel good that you can learn and better yourself by just observing and don’t need to get hurt and experience certain hardships yourself just to learn a lesson.

@bulldozer8950

6 ай бұрын

Ya it’s like all the small things that people might do that are kinda stupid “oh ya I’m gonna have a little fast food, it’s technically as cheap or cheaper than groceries”, “oh I have some in crypto I just am waiting to sell when it goes up, it’s fine to have some debt till then”, “oh the house is an investment” but all combined and turned to 11/10.

I love Caleb Hammers vids, glad to see Destiny taking an interest in them, they’re very interesting and super educational, plus he’s pretty funny and not scared to hurt someone’s feelings

@girlgaara9448

6 ай бұрын

Me too!!! I don’t know boogie but I’m glad destiny is taking an interest in Caleb’s vids

Everytime he says "to feed many ppl", bro Tryna make it sound like he's feeding a family of 5.

@babyboo5856

6 ай бұрын

on gahd 😭😭😭😭😭

Seeing them side by side, beard, hair and all Boogie kinda looks like Destiny from a parallel universe where he's obese, depressed and unsuccesful. Now I can't unsee it.

@spookynate5507

6 ай бұрын

NO UR RIGHT

I love how Caleb is so darn blunt. Its so satisfying seeing him humble that man

Boogie does _not_ only spend £12 on fast food a day to feed _everyone_ . You wouldn't be that size only eating 1 burger. That's less than a healthy person would eat. Those are _absolutely_ solely for him.

@justink.4320

6 ай бұрын

I can’t believe more aren’t talking about this obvious lie. This one really bothered me. He’s just straight up lying

Boogie is THE energy vampire. Knowing what's wrong with him and his life and not acting on it is his whole shtick and has been his entire career from day one and probably his entire adult life. You don't end up that over weight and have done this much damage to your career, life, brain, body, and psyche without it being on some level intentional. He almost revels in being ahead of the people listing his issues and what he can do about them mid-conversation and it always leads to this reaction at 1:09:44 and literally Destiny and Caleb sum it up in literal the exact same moment which sums up every long form conversation anyone has with him on and off camera. I can't make it farther than this watching the video. We've seen it all before time and again.

@nicholaskinkaid

6 ай бұрын

I 100% agree. And his response being an IMMEDIATE "yes, sir" just infuriates me. Because it shows he isn't absorbing a single damn thing Caleb said. Granted, the entire video was exhausting because you could tell right away that he was not going to take ANY advice from Caleb from the very start.

Its interesting the degree to which destiny views "fixing your problems" as a near necessary product of "knowing what your problems are and how to address them"- specifically when he talked about Boogie getting dopamine from explaining his issues and his later energy vampire comment. Ask most people with a drug addiction how they could improve their lives and theyd know how. The execution is the hard part- the understanding is far more trivial imo (obviously some people struggle with that too). But you have to be a particularly insulated Type A personality/mentally well person to just not understanding that the "actually doing it" is the hard part for *most* people.

@ou_hazza2103

6 ай бұрын

I think the point he was trying to make was that a lot of people either a) aren't aware of the true solution to their problem, or b) are actually trying to make efforts, but not going very far. People like boogie think about how to solve their problems (not a) , but don't do anything to solve their problems ( not b).

@Harevald

6 ай бұрын

@@ou_hazza2103 is it true though? Easy examples of plan being easy, execution hard is improving health. Everyone knows that exercising is good for you but it's hard to put the effort in for many people. School? Same deal for most of us (let's talk just average Joe not some mentally ill whatever). We can study but it's hard. Financial issues? Plan your budget, work hard and don't spend on dogshit. People have problems either with the work part (they don't want to work) or they spend on useless shit they deem necessary like entertainment, luxuries, don't cook for themselves etc. It's easy af to recognize that your daily trip to Starbucks or whatever is expensive. People just want to eat cake and have it too.

@thenayancat8802

6 ай бұрын

Feel free to go to Arkansas and give Boogie 1000 second chances to turn his life around, watch him waste every single one and make excuses for how it's not his fault, I'm sure he'd really appreciate it @@JustinSwell

@swordyshield

6 ай бұрын

@@JustinSwell being with someone who constantly has problems, constantly gets help to fix them but then never fixes the problems, talks about fixing the problem but never fixese the problem is without a doubt an energy vampire. Boogie only needs himself to change he doesn't need others. (not saying getting help from others isn't important) but no matter how much help you get if you don't do the work yourself you won't get better.

@Rohtix

6 ай бұрын

​@@JustinSwellPersonally not wanting to be around boogie=\= everyone needs to shun him, it's just personal preference. But yeah, at the end of the day, everybody needs somebody, otherwise we'd all go insane.

Destiny's mom singing to him was the best part of this video.

I think it would have been a really helpful if Frank Hassle made a surprise appearance halfway through and provided commentary to Caleb's observations. I feel like it would have helped Drive the message home to Boogie

@amitabhsharma3916

6 ай бұрын

Or the dude who tried to get Boogie fit (for free IIRC) and quickly realized what a lying loser he really is

he needs to "reduce" his payments + finances. move into a smaller house, live within his needs and means, mf says he comes from a coal miner despite having the money to pay a financial manager to just manage and invest for him, its braindead he is just a bad guy ong

The way Boogie justifies purchasing expensive luxury items as a type of investment is the #1 red flag for people who aren't going to make it. I've had multiple people in my life start doing this in their late teens/early 20s and they all turned into debt ridden losers.

Damn. Destiny's house take, in my experience, is wrong. I bought the house I was renting and am paying about $150 more per month for my mortgage then I was for rent... and at the end of my 20 year "lease", I fricken own the home. If I was renting, I'd be paying a similar cost, yet I wouldn't have a house to sell. How is that not a good investment?

@HelloPeopleHii

6 ай бұрын

It just depends on how much you have to spend on the house in that 20 year period

@TwilightSentinel

6 ай бұрын

@damont5487 even with that taken into account, I still believe he's wrong. Especially when you factor into "generational wealth". If I just rent all my life, what is there to pass onto my child? If I pay a bit more for a mortgage and maintain the house, when I die there is tangible wealth.

@baconcerberus

6 ай бұрын

Yes and he acts as if the landlord won’t increase rent when his cost increases. After 30 years everyone’s rent is going to be doubled while home owners are going to be done with the mortgage.

@firghteningtruth7173

6 ай бұрын

​@@TwilightSentinel for most regular people, I agree with you. I think you are correct. But there is a case to be made that with a house comes a lot of expense and a lot of other issues. And you could be using that time and money elsewhere as an investment. Put it like this. I like buying older cars because they are cheap (and I am poor) and I am savvy enough to fix them. Old cars go up in value, not down. As long as you are specific about the type of car/truck you buy. BUT. I spend a lot of time and money fixing issues as they come up. Sometimes multiple days. What if I used that time/money for a more lucrative purpose? If I just leased a car I didn't have to mess with, and then never had to think about it...theoretically, I could be more productive. A lot of new school investing theory does NOT see a house as an investment unless you are renting them out.

@killzone866

6 ай бұрын

as always its situational for people. Its all dependent on timing. In general before the modern era (2021- to present) getting the house was worthwhile as you would probably at least breakeven selling and upgrading to the next house. Now you are buying high and hoping to also sell high. You can get fucked. Its also funny that Destiny has a kid and doesnt see the value of homeownship. Well i guess he did kinda with the 5 year comment, but overall his entire argument felt like a strawman.

he literally needs a parent to not just look over, BUT CONTROL his finances because he's just too ignorant on common sense financial responsibility and can't be trusted with a $20 bill in his hands.

@b23beatz

6 ай бұрын

That's pretty extreme. Boogie is just like the average American. He's at the very least still paying his mortgage he just doesn't want to work hard and spends all his money on food I don't think he's incapable of taking care of himself financially he just spends it all like the rest of America. If he had a budget he would be doing fine with his income

@JVZMINCREATES

6 ай бұрын

i don't find it extreme at all if the mans old enough to know how budgeting works and still can't. remember those bills are a result of his irresponsible purchasing, so he is paying the bare minimum for a reason.@@b23beatz

@Yor_gamma_ix_bae

6 ай бұрын

So he’s a millennial

@Yor_gamma_ix_bae

6 ай бұрын

Boogie is the perfect representation of Americans in 2023. Everyone is always the victim, everyone is bad with finances , and everyone blames the structures of society.

@SaraHessXXIV

6 ай бұрын

And to cook for him

I’m a mortgage loan processor and Destiny is exactly right. The most smart way to use your home is to get a HELOC and have it as a “credit card” in case of EXTREME emergencies like losing your job for a few months. Or you can refinance to pay off high interest debts but these are LAST RESORTS. Don’t ever put yourself in a position where you have too much debt so that you put your house at risk

@alexanderhamilton6652

6 ай бұрын

He's right in that you should really be using the equity in your home as an asset you can take debt on for credit towards other (productive) assets (aka investments). But he was hardcore coping about the rent thing. If you can afford a mortgage, that is almost always the better decision. He doesn't want to have to worry about maintenance and such, which, if you're willing to pay a premium of sorts to pay for not having to worry about that, then that's fine, but acting like it's often the better financial decision is almost always wrong. The big caveat kinda comes with mortgage rates, but assuming they come down to somewhat manageable levels, then yeah a mortgage is the better decision.

@winstonwolf6791

6 ай бұрын

@@alexanderhamilton6652 He wasn't coping at all. Renting is the better financial play for most people, regardless of mortgage rates. High rates is just the cherry on top. Just one example, most first time buyers do not put down 20% and take it in the rear for years with PMI. You pay a premium to own a house, not the other way around.

@alexanderhamilton6652

6 ай бұрын

@@winstonwolf6791 now you're coping lol. Even if you don't put down 20% you can get an FHA loan and wipe out your pmi entirely, and you'll still pay less than whatever a landlord is going to cost, all else equal. You can even get a mortgage on an apartment and you'll 100% beat out whatever a landlord will offer you, so long as you lock-in a low rate. Renting exists for people who have the worst credit and can't qualify for any kind of loan ever, or young people who want to move around a lot. But it's not better financial sense bro. Also, if you can't afford the 20% down, then sure, you should probably be renting. But that's out of necessity not out of financial sense. The moment you can afford the 20% you're jumping ship. And if you can't afford the 20% down, you need to move or get a better job or get skills to get that better job. I've seen this 1000 times, where someone buys a house, then refinances for other investments and builds generational wealth from nothing. Acting like this doesn't happen is weapons-grade copium.

@TheStatisticalPizza

6 ай бұрын

@@winstonwolf6791 in no world is renting the better play for the majoriry of people even *if* your mortgage is more expensive than what your rent would be. Nearly every financial advisor in the world will tell you owning a home is a far better option and yet you and Destiny both for some reason have the hubris to think otherwise. Let's put it like this: whether you're renting or buying you have to pay for shelter, that's a guarantee. So you can pay $1200/mo in rent of which you will never see a single penny of that money again, it's all gone. Or you could pay $1600 for a mortgage which has the higher monthly cost but comes with the massive benefit of owning one of the most secure investments in the world that will continue to appreciate in value. As a bonus on top, if you do fall on hard times your mortgage is much more secure than your apartment because the bank can't start foreclosing on you for being late for 5 days and they're much more likely to work with you while you get back up to speed.

@EpicCoolGuy21

6 ай бұрын

⁠@@winstonwolf6791Renting is almost never the better financial decision because you will never see the money you put into rent, whereas with a mortgage, you’re basically storing cash into an asset that has historically appreciated. Even if it depreciates, you’re looking at a marginal depreciation.

Boogie is the poster child of bandaid solutions. $15-$20 per day on fast food? He says it's cheaper but really, groceries are better in the long run. Need to lose weight? He says surgery, but really it's more about putting in the effort to exercise and eat better. Depression? He says go see a shaman, but realistically you should be evaluating your life and making changes.

Destiny has never heard of a home warranty or homeowners insurance

@yamo511

6 ай бұрын

he does the same thing with politics ,confidently states things when actually he knows almost nothing

I love watching Destiny put videos in the background while he does emails!

1:24:52 Boogie isn't as stupid as he lets on. He's just an incredible liar. How is it that he goes from questioning the legality of his interest rates to then seconds later going on to understand, without any explanation or suggestion at all from Caleb, that the dog loan is the one that he should probably pay off first because if it's high interest rate. He wants us to believe that he had no idea interest rates over 20% even existed or were legal but then all of a sudden he understands that because of his high interest rate and balance, he needs to focus on paying that off first. Which just so happens to be what's probably the most financially efficient way to tackling debt. He didn't suggest paying off the lowest balance debt. He didn't suggest trying to tackle the largest balance debt. He sorted it out by interest rate. What financially illiterate person would suggest that? He's not ignorant. He's just a liar.

@henrikhempel2372

6 ай бұрын

Not saying he is completely honest, but tbh i had never heard of interest rates as high as 20% before but still know that you obviously prioritise paying off the highest rates

@winstonwolf6791

6 ай бұрын

@@henrikhempel2372 The average CC rate has been around 20% or more for quite some time. So if you never heard of it, you either don't use them or have never looked at your rate and should do that immediately.

Yes home ownership is costly, but rent in major cities in Canada dwarfs the cost and no equity is built. For people terrible with money like my parents, home ownership was forced savings and their later sale saved their lives.

@Urmomma5f4t

6 ай бұрын

This ends up being the issue a renter in some places ends up paying more. The people who don’t account for repairs like destiny brings up are what people call “house poor”. People who buy more house than what they actually can afford. If you make 60k a year you probably shouldn’t be trying to buy a 400k house regardless of credit score. The equity thing tends to be something I rarely hear people brung up . The 40s-50s year old people I’ve all known never regretted buying their house - and it’s not their wealth builder it’s just one way they saved money. Maybe I just talked to smart ppl but if you’re not an idiot when buying and in a good financial situation you are stupid to pay MORE renting than far less buying

The only caviat to the "renovations never increase the value of your home" this is generally true unless you yourself are doing the work. I built my house (as in did large portions of the work myself) and once it was finished it was worth 2 times what we invested in it.

@FrostyAlpaca

6 ай бұрын

This 100%. There is a ton of data around money recouped from a given type of renovation (which is always under100%), but those states are based around paying for someone else's labor to do the job.

@IAmTheBugInsideYou

6 ай бұрын

Yeah he's thinking you're paying other's for all that renovation every single time, that's when you lose money

As a Licensed GC in CA. I can tell you right now, improving areas such as kitches, bathrooms, roofs etc. Where the price point is lower too get it done, then what you could possibly sell it for is a massive increase in value. What are you on buddy? You know nothing about contracting, real estate etc. Not too mention the only way you can even sell a home is if it passes through numerous inspections. People will not buy 'Main damage" on a house such as foundation, roofs, floors etc.

My mortgage is $400 less than than what a 3 bedroom in my area costs to rent. And that's with property taxes and home insurance included. Not a hard choice

That call from his mom was wholesome af

I’m 31 I own a house. There are costs. But it’s massively better than renting. A lot of the extremes you brought up are covered by home insurance. I also own an investment townhome. Renters pay more than my mortgage for my house. They cover the mortgage on the townhome. The hoa. The service fees for the company I pay for maintenance. And I usually come out with a few hundred in profit every month. Rents are insane compared to mortgages locked in over the last decade. It’s unhinged to say that paying rent is a better deal. Unless you’re already wealthy.

@Urmomma5f4t

6 ай бұрын

I’ve mostly heard his arguments from house poor people. Making 60k a year and putting 5% down without any money saved for repairs and then yeah that person is going to feel home ownership sucks. The older you get with kids or just in general being priced out of the housing market sucks. Meanwhile your rent increases every renewed lease. Destiny says this is a 24 year old idiot take that buying homes isn’t a good choice (which it isn’t for some people) is somehow disproven by nearly every financial expert that speaks on the issue

W editor for that into fr 😂💪🏽

I think what Destiny said about "some people get a big dopamine kick about accurately stating their problems and solutions, intellectualize that, but never act on it" is something I have NEVER heard before, but describes me pretty accurately. For me it feels like in a moment I can intellectualize my problems and explain them and it feels good to know that there is a reason behind it and that I am able to find the reason, BUT I can never INTERNALIZE the logical thinking into my emotions. Then again there are other problems (Insecurities) which are emotional AND intellectual so they seem impossible to be rid of and I think that is why insecurities are so hard in general, because they are not just emotional or just logical, they are both at the same time, you have to actively decieve yourself constantly for YEARS AND PRAY that positive things happen to you, so your brain gets that reinforcement

@esloquees3854

6 ай бұрын

You're doing it right now bozo, what a useless self serving comment

@Ellefsen97

6 ай бұрын

I had the exact same reaction. I have known that about myself for years, but I haven't heard it described as well as this. I have ADHD and have big struggles with procrastination and getting things done. I know that I should start working on things early instead of putting it aside until the deadline is close, but no matter what I try I never get over that habit

@MrSuperalan99

6 ай бұрын

Whats crazy is youre doing it right now

@Elementsk8r862

6 ай бұрын

how do you fix this?

@Crimson50

6 ай бұрын

@@MrSuperalan99 haha I know

Narrator 9 months later: Boogie did not, in fact, get his shit together.

Boogie was definitely expecting a magical “Get out of Jail Free” card with this one. Instead, he just got told what all the “trolls” have been telling him for years now. Caleb didn’t surrender and held his feet to the fire in front of hundreds of thousands of people. That might’ve actually been Boogie’s hell.

Love Caleb Hammer, grew up on boogie2988, and now being introduced to an incredible youtuber in 1 video

Classic Destiny reaction: 2 hours of typing on discord and giving sporadic comments

Boogie is my motivation to not be financially stupid

When will we see Destiny get a Financial Audit from Caleb?

It would be so fun to see you go on Caleb’s show! Love watching you both!

Boogie is a really good nail in the coffin for anyone who thinks youtube had a "golden age." It was never about supporting independent creators, it was always about floating lifelines to lolcows for them to squeeze a "profitable 2k a month" from their audience so they can wire it directly to scammers and gambling companies

@deriznohappehquite

6 ай бұрын

The Golden Age of KZread is just as long as Tay Zonday is around.

If Boogie is not capable of helping himself then anyone else trying to is absolutely a waste of time and engery. He lacks the will or want. Everything is just lip service.

I can't imagine being in massive debt and still spending $900 / month on fast food.

@thegrinderman1090

6 ай бұрын

The thing is, he's not even really in the red. He could just sell his Magic cards and crypto, easily pay off all his dumb loans (except mortgage), sell his liability of a house, buy a cheap house outright (works from home so can live basically anywhere), and be fine for the rest of his life, leaving a home to his potential wife. And he acts like he doesn't know that, but he does. THAT's why his actions show a total lack of concern about wasting money, despite what he says.

Nice upload time!!!

21:30 Is that a Matt Rife shade there👀😂

I absolutely adore Caleb’s content, I hope he blows up from this interview because he and his team make incredible and consistent content

Seeing boogie reminds me of my passed. Spends his whole time looking inwards to why everything went sideways without actually doing stuff. At the end of the day you gota ignore the really bad stuff and keep moving forwards. My biggest mistake was after I broke up I did nothing for a year and a half. Never let big downs get to me again and im in the best place iv been after essentially "manning up"

Destiny says he would never talk to boogie, but the cruel irony is that Destiny is exactly the type of person who can pull boogie out of his spiral.

@ThePainkiller9995

6 ай бұрын

nobody can lol

@Tubeytime

6 ай бұрын

@@ThePainkiller9995 My guess is because he wants someone to be his dad and tell him off and nobody's willing to play that role, but that doesn't mean nobody can do it.

@swordyshield

6 ай бұрын

@@Tubeytime people can tell you off and do all of that fun cool stuff but unless you actually put in the effort yourself things won't change. Boogie without a doubt cannot be "fixed" by anyone else except himself

@odst2247

6 ай бұрын

​@@ThePainkiller9995 I don't think that's true, it just requires alot more energy, hence "energy vampire"

@iannordin5250

6 ай бұрын

No, Destiny was right. No one can pull Boogie out of his spiral because it's actually currently beneficial to Boogie. Boogie is in his best place now. He's made a career off of being a lolcow loser and is in his most comfortable state right now. Boogie will only change when the incentives are no longer rewarding him for being what he is.

I didn't watch Caleb's video because I was hoping destiny would react to it. Glad I waited

I've never seen anybody as addicted to trauma and hardships as Boogie. This man seriously get an odd dopamine hit out of "woe is me" and has no plans on doing anything about it.

Watch Boogie sell his house, then get addicted to poker or roulette or slot machines...

Lmao we love the Jericho content at the end tho

The micro pause before he says the name of his podcast 🤣

Growing up poor is what made me think buying a home is a waste of money. I grew up living in apartments that ended up having soo many problems needing to be fixed and hearing my parents talking about wanting to buy a house. I always thought, what if these issues happen in your house?? You cant just just and move like you can when renting. I rather not stress about things i cant personally fix

@gamingforever9121

6 ай бұрын

Ideally it’s about property rights and ownership. Which is why we need to abolish property taxes.😂

@firghteningtruth7173

6 ай бұрын

I dunno. There is one thing they aren't making any more of. Land. And yes, a house can be an expenditure. And have things that need to be fixed. But you can also just find unrestricted land, throw a shed on it, finish it out, and have a tiny home that cost you 20k. On land. That you own. Sure, there are taxes and stuff...but you can limit them and the overall cost of repairs in a few ways. And land, in the long run, will always go up in value. Let me put a caveat here, IF YOU KNOW WHAT YOU ARE DOING. Land in/near a flood plane...hazardous area...chemical plant or something...can definitely go down. But generally, it always goes up.

One thing to always consider about Boogie is that he’s a pathological liar. You can’t take him at his word

I remember that Tesla video. The comment section was entirely full of "Boogie, this is a terrible financial decision".

I love that people are finding financial audit bro is great

We need more people like Caleb Hammer. People saying hey your fucking up, do it like this and things may turn around for you

boogie needed a caleb about 5 years ago. now its pretty much to late.

@X8X8B

6 ай бұрын

Wouldn’t have mattered. The man is incapable of helping himself.

Is that the Grubhub guy? 😅

Happy Birthday man.

Happy birthday dear Stevie

Such an ATROCIOUS down fall...... p.s that Happy B-day call was adorable 😭.

Shoutout to that mother for singing happy birthday. These are the connections you never want to sever.

This was such a whirl wind phew

He really got screwed over with his old house, huh?

The destiny orbit ever widens... Boogie's shrinking galaxy shall be encroached, conquered, and absorbed in the Dalibax-Dœgwartz Empire. Dgg4l

Dude... the phone call where someone sings happy birthday to you just reminded me that my birthday is today... I'm obviously up too early...

I make $80k/yr and my Obama care plan (the cheapest one available) costs $483/month. Last year it was $350 but they raised it $130 bc of “inflation.” My car insurance also went up 20% for the same reason. But hey, I’m glad I can do my part as an American by paying an insane amount for health insurance so my weed guy (who makes more money than me) can get his for $22/month bc he’s “unemployed.” 🙄

Destiny is so right about the investment memes, the only people that became like bitcoin millionaires after buying some in 2012 were the motherfuckers that had forgotten they ever had any and it was just sitting in a wallet somewhere until they saw bitcoin on the news and was like "wait a minute".

@BigHotSauceBoss69

6 ай бұрын

not true, there are a lot of people who have viewed it as a superior store of value since around its inception, and understood its purpose. not me personally, but smart people lol

@gamingforever9121

6 ай бұрын

@@BigHotSauceBoss69I remember hearing about it from a friend shortly before Bitcoin took off. and I dismissed it out of hand, that was a mistake 😂.

@firghteningtruth7173

6 ай бұрын

Yeah, not true. My boss told everyone he could back when bitcoin was at 1000 dollars per. Dude probably made over 300k off of a 5k investment. He pulled his initial money out then played it like a stock market. I didn't have 5k to invest. One of my coworkers bought 100 dollars worth at that time. What is it 45k per now? So if he has 1/10th of a bitcoin...it went from 100 dollars to 4500 dollars? I think that's right. Jesus, I am dumb. 😂

@swordyshield

6 ай бұрын

@@firghteningtruth7173 don't blame yourself, although bitcoin was like that there are also plenty of other things just like it where everyone is talking about investing in something and then it ends up doing dogshit. Sometimes things work out and sometimes they don't. Having some skepticism is not a bad thing

Boogie eats at least 4000 calories per day. I loved when he said $12 chickfila was for 3 people. He's such a bullshitter.

@ChristinaFromYoutube

6 ай бұрын

That's actually hilarious to me because I work at Chick-fil-A and our employee meal is $11 per shift. And that's definitely for just 1 person lol

keep up the great work Destiny :-)

That yellow car thing was genius 😂😂

Boogie: "I have a budget of 300 dollars a month for food" "I spend an average of 15 dollars every day on food" I think he meant 15 dollars eating out daily plus 300 dollars a month on groceries... A total of ~$750 monthly (And the 15 ended up being closer to 30 including coffee and shit for a total of 1200 if that's what he meant) Note: I thought this a lot but a cursory Google says a family of three on average spends ~$900 monthly...

"Shes not in it for the money," Is such an insane thing to say about not leaving anything to the woman you allegedly love. I would want to do everything in my power to make sure my wife is set up after I pass away.

@tpolutts3309

6 ай бұрын

He's only known her like 5 months. He is way more attached to arbys than he is her.

@vangoghsseveredear

6 ай бұрын

​@@tpolutts3309oh I agree. But he acts like he's madly in love with her, when in reality it seems like he's just using her as a weird way to flex about the fact he's banging someone way younger than himb

My family sings happy birthday on the phone EXACTLY like Destiny's mom. What a cute moment

He said iPhone was free lmaoo no you owe them the rest of the trade in credit you got