0:05 Welcome back to another episode of the Careful Boys. >> Hey, this is a age-old conversation, but we're bringing it up now. >> Age-old conversation? >> Yeah. >> We don't do those on the show. >> This is one of those like, how do you address the situation? You owe your buddy owes you like a couple hundred bucks. >> Oh, yeah. >> But then they like show up, you know, with like, I don't know, new clothes or SOMETHING LIKE THAT. >> [laughter] >> LIKE, WHAT do you What DO YOU GUYS DO? >> DUDE, YOU just keep Venmo requesting. >> Dude, you know something else funny? >> hit You just keep reminding them every day. >> I just got real stories. >> I've got so many real stories about stupid ████ like this, but this one is is pretty funny just because of the the way that it was verbally handled. But like a friend of mine borrowed like a few hundred bucks or whatever. And then he just like isn't the best at like updating you about when it's coming back. You know? Like, that's what you do, right? To be polite, you go, "Hey, man, just want to
0:56 let you know I didn't forget about that. It's coming, whatever." But he just like didn't say anything. So then Suban, being the great guy he is, he's like, "Hey, I'm a ████ hit that guy up and be like, 'Yo, you pay my homie and s███.'" So then he [laughter] ████ hits him up. And I'm like I was like I was like, "No, dude, it's fine. Who cares?" And he like actually went >> Hey, ████ off. Where's the money, ████ >> and hit him up. He's like, "Hey, pay him back, fool. ████ ████ f████." And so that dude dude pays >> You owe money, cos. >> Dude pays him back, but the way he phrases the the payment back is like he goes, "Hey, man, cuz you got me, I got you, too." >> [laughter] >> What do you mean? Like, he looks at it like I'm borrowing that money back. Like, that's He's like doing me a got you, too? Yeah. Isn't that Isn't that weird? >> I got you, too? Not thank you for letting me borrow this?
1:46 >> Yeah, I know. He looked at He was saying it like like as if as if like we're spotting each other. I'm not in debt to this dude at all. I don't >> Now you can hold this $400. >> like he's like he like said it to me. He's like, "Hey, I got you, dude, cuz you got me." >> I was like, "The f███?" >> That's cool as hell, dude. >> What kind of brain you got? >> They don't know math, huh? >> I don't know, man. >> You know how how borrowing works? >> I I don't know if it's like a way in order to like not feel as embarrassed or I don't know. >> Maybe. >> Keep your manhood about when you have to pay money back. I have no idea. >> Or in his mind, you just gave him money and he was like, "Hey, >> Yeah. >> [laughter] >> I'm giving it back to you." >> Hey, we we take care of each other, bro. >> That's what crews do. He grabs you by the back of the head, puts your forehead like this. >> [laughter] >> I was like, >> crews do, brother. >> What the ████ dude? >> It's kind of tight. I mean, if you adopt that mentality, it's kind of tight. [laughter] >> Yeah, I guess. >> What at what point do you guys or do you
2:36 guys still expect the money back or do you realize like a lot like a lot of the times that just doesn't >> It depends, really. If it's like something small like paying for meals, I'd never expect that back. >> Yeah, same. >> But if it's like if someone hits me up and is like, "I need this amount for this purpose and I will pay it back." >> I'm not the one who set any parameters, they did. So, I'm like, "Okay, cool. We'll just go by that, you know." >> So, you guys still have a lot of broke friends that do this cuz I feel like at our age, like this is like a high school thing, right? Like I don't know like >> I mean, this wasn't like too recent, but >> Oh, ████ >> I think people just end up needing cash. >> Yeah, sometimes sometimes you're just in a in a spot. And it's not even like a bad spot. Sometimes you just need cash. >> So, people don't have liquid cash all the time? >> Yeah. >> It's like that, you know. >> Got too much crypto assets. >> They got too much crypto assets. >> is entrepreneurs are broke as ████ all
3:26 the time, but the way they borrow money is different. So, like like is they don't need like a thousand dollars. They need like a hundred thousand dollars. >> And why borrowing money from you? >> The only people who borrow money from you borrow a hundred thousand dollars? Your employees don't go, "Hey, boss, can I get an advance? Can I get an advance this this month?" >> I also think maybe I I forget because I I a long time ago I just accepted that a lot of this ████ just might not come back and I don't want to play bill collector. >> So you don't even lend? So you just get Subin then? >> No, I just give. >> Bro, honestly >> You just get Subin. >> Honestly, Subin's Subin's kind of tight for all those reasons. Like anything like that where somebody's like doing something and you're like, "I don't want to ruffle any feathers." He'll be like, "I'm going to go in and ████ handle it for you." >> He's a ████ gangster, dude.
4:16 >> I wonder how he approaches it. >> He's that guy for anything. Like if you if if you lent an object to someone you're like, "Ah, I need it back. I don't want to be rude." >> ████ I have his flashlight. >> He's like, "I'll ████ go get it." >> Do you think he's going to come after me for that, then? [laughter] >> Do you guys go to family first and then like do you have stages of who do you go to if you need to borrow? Do you go to family and then like this and then this and then this and this? >> Go Subin first. >> I'll go I'm going to go Ryan first. >> Oh, dude. You could borrow from his military fund now. >> Oh, right. He's probably going to be the richest one out of all of us. >> Uh he just he just bought too many cars already. >> No, get him to do a VA loan on your bath. >> Why do I have this feeling though that you guys probably get asked to borrow more than you guys have to borrow from other people? >> Uh I recently uh for the first time in a long time very proudly for myself uh finally had to ask my sister to borrow a good amount of money cuz I was uh refinancing my home. >> See, that's some entrepreneur ████ And
5:06 then you usually would ask like a family member first. >> I paid her back in like 30 hours and I was like, "Dude, I told But I was already upset at myself cuz I told her I was going to pay her back in like a day. So it was like a day and like yeah. But that's See, to me when it when it comes to you That's the thing though. I I get I get antsy on that. >> [laughter] >> I get I get OCD with that and I think that that's important I feel like people should be doing that. When you're talking about money, even friend, family, acquaintance, the bank, like a ████ contract is a contract, whether it's written and signed and emailed or it's like you said it to somebody. >> But that's why I feel like you guys are the bank to your friends where people will ask you versus you ask them. >> Cuz when was the last time you did a broke boy borrow when you had to ask somebody? >> When I had to ask
5:56 >> Yeah, when's the last time that happened? >> It was like when I was actually broke and and needed money. >> Did you ever have to ask for like a lend? >> like anytime that that honestly happens it usually goes to my sister. >> Oh, your sister you also lend her? >> No, I ask my sister. >> Oh, you always ask your sister. Okay. >> Something happens and it's always a major thing. It's like maybe it's it was like buying a car when I was younger, you know, and like >> Do you call your sister by her first name or you got a Vietnamese ████ weird word? Call her Chase Bank. >> Cuz ████ up. First of all, it's Wells Fargo. No, I'm just kidding. Um yeah, I I either call my sister by her first name Alina or I say "Jiejie". >> Oh, you say Jiejie? >> Oh, that's what I was thinking. >> Chinese style, you know. >> Jiejie. >> Yeah, Jiejie. >> Jiejie. >> Jiejie. Jiejie. 600, please, Jiejie. Like that. >> I'll pay you back in 30 hours. >> That was ████ uncalled for. >> That's what you sound like. >> Jiejie, 600, Jiejie. Jiejie. Jiejie. >> [laughter]
6:46 >> Please. >> Bro, you nailed it. >> He ████ sends videos of himself. Jiejie. >> He nailed the the Stephen Chow style of begging, [laughter] yeah. >> The last time I borrowed money, I think uh like actually borrowed money, I think it was like 700 bucks. I borrowed it from Hawk back in like 2000 uh 5. AND IT WAS BECAUSE >> 2005 IS THE LAST TIME YOU BORROWED >> IT'S THE LAST time I borrowed money like that, yeah. >> He's been rich. >> No, but then I was broke for hell long. That's why I didn't I had to borrow. But it's because I ████ promised uh this one friend of mine that I was going to uh play at her wedding. And I forgot that I had promised that and then she was getting married in ████ Arkansas. So I was like, "Damn, I got to freaking fly out there." So I borrowed money from him and then um and then uh played at her wedding. It was me and Passion playing at this girl's wedding. Yeah. [laughter]
7:37 Yeah, way back in the day. And then I but I paid it back. >> What the ████ >> it back in like 2 weeks. Yeah. cuz you needed to get like plane tickets or something? >> Cuz and then back then like that was just not an expense that you were even thinking of that like, you know, you And plus because I forgot I was buying them late. So they were like 700 bucks or something like that and I had to, you know, figure something out. But yeah. >> How How confrontational are you guys? Like if you saw somebody that borrowed money from you, right? And then they came in with a new Kith shirt and you're like, "Motherfucker, that's exactly the price that you owe me." >> Usually the people who I find myself in positions where people are borrowing money are people that I'm like sometimes kind of like big brother to. So big brother kind of comes with the territory of being like forward and and being honest about stuff. >> Oh, you're big brother.
8:27 >> So they're like So so if somebody did like borrow something and I saw something, I wouldn't do it in front of like hella friends, but if you like tried to come at me or like come at me with some sort of joke, then I'd be like, "You know, I I I don't do jokes, but I'll get you right now." So I'll throw stuff out there, too. Because like I'm When you're When you're helping somebody out, like you help them out. You don't want to like put them on blast. But if they decide to play ████ games, then they're going to win stupid ████ prizes. >> Happened to to the ████ happened with one of my friends out here where like his his one of the people that was renting a room in his house was just saying that he didn't have like money for rent or whatever. So they were just kind of like giving him grace periods. And this fool just buys a motorcycle out of nowhere. >> [laughter] >> ████ next level. That fool's a rockstar, dude. >> That's kind of what you're talking
9:17 about, huh? >> [laughter] >> Yeah, dude. >> That sucks. >> Yo, that's so crazy. Where's this guy now? What's this guy up to now? >> They're still freaking doing it. Still scamming? >> Not scamming. >> Still motorcycling? >> Not scamming, but there's just some people like cuz I I've known this dude like for a long time, too. And there's some people that just That's how they roll all the time. You know what I mean? Like they just It's like this the people that always complain about not having money at the same time are going to ████ EDC and ████ you know, like just that type of vibe where it never ends on either side, you know? >> So they It's a ponzi They ponzi themselves. They borrow and borrow and they have to borrow like it's crazy. >> And I don't know I don't mind like like lending to people that straight up ask, but I think it's annoying when they just like put the problem in front of your face and they're just waiting for you to
10:07 offer. >> Oh, yeah. I don't know who you're talking about, but I know somebody that like that and then you'll know who I'm talking about eventually. >> I feel like you're talking about the same person. >> No, but there's some people that are like they kind of they're like serial serial freeloaders. You know what I'm saying? It's not just like let me borrow 100 bucks or 200 bucks or something. It's like the daily. It's It's the It's the oh, what are you eating? Oh, what is that? Where'd you get that? Right? And then it's like you exhaust a circle or a friend group and then they move on to like a a mutual friend and then now they're in this circle and then next thing you know, a year later you're kind of like oh, I thought you guys were hanging out and they're like oh, no. And then it was the same reason or problem and now they're on this friend group and you're just seeing it over years. And then and then you get with the other groups and then you talk about them. They're like you used to hang out with them and everyone's like yeah, that ████ always never paid. Yeah.
10:58 >> Yeah, that's where And then they're always the one that want to do stuff, too. >> Yeah. >> [laughter] >> Then they don't got money, dude. >> Yeah, yeah, yeah. >> That's what I realized cuz I just like good company and I just like paying for meals cuz it's like it's just fun, right? >> [snorts] >> But then you start seeing a pattern when people catch on that like you like to pay, they'll really take full advantage of like oh, let's go eat. And I'm like well, you're the one that ████ proposed that we eat. And that's my rule is if someone invites me, they're usually paying. If I invite them, I'm paying, right? >> But do you feel a little bit like weird when like let's say you're hanging out with a that's like really rich, you start to feel like indebted even though they don't care. If they just keep paying for ████ it's uncomfortable, right? You're After a while, you're like, "Ah, damn, like I got to do something around here." >> At least make a gesture. >> Even though like proportionately that guy's spending cents on the dollar
11:48 compared to you. You know what I mean? Like >> Just pretend to reach for your wallet. The good old The good tapper The good tapper. >> Lick his balls or something. >> Yeah. Like a gentleman. >> Hey, I'm not trying to put him in debt. >> [laughter] >> You're going to owe me after. >> Most people will feel that like, "Ah, like let me get you a gift." >> the correct Asian sentiment to be like, "Oh, dude, I think we're a little uneven like in the contribution pool." >> And it's those same ████ that when the bill comes and then like if everyone does pitch in, you're like, "Wait, wait a minute. It's short. Who didn't ████ pitch?" And then it's that same ████ And I'm like, [snorts] >> But then at this at this point though, I feel like you got the 30s to get it together, right? But once you hit your 40s and you're still doing this ████ you're a ████ absolute loser. >> [laughter]
12:38 >> It's a good note. It's a good finish line. I feel like 20s is like you're going to have you're going to make mistakes, right? And then you can change your ways. 30s is your last ████ chance. >> And something And something unfortunately could happen to you. So you get grace. Yeah, yeah, I get it. >> But most borrowers, they're not borrowing as like, "I got it." They're borrowing as like, "I'm so sorry I have to burden you and this is so ████ embarrassing, but can I borrow?" Right? And it happens every week. >> You know You know what's the funny twist to that? You know the guy I told you about with that bought the bike in the middle of paying rent late? That's today, right? That's like present day. >> Oh, ████ >> And I was telling Dietrich about like I was just telling him about it cuz I was talking to him. I'm like, "Oh, this fool like bought a bike and s███." And he goes, "That fool owes me rent." >> Oh, no. >> Like from like 20 years ago. >> [laughter] >> People don't forget, bro. People don't
13:28 forget. They don't forget. So, if you owe money, [snorts] you better pay your ████ money. >> It's a lifestyle to people, I think. >> Pay your debts. >> Habitual borrowers, dude. Don't be like that.
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