Welcome to HoseTown USA.........................Population YOU

[@MetroidHatchling]

Absolutely love the finance focus videos. Even more than magic related ones.

[@kosh9639]

Avg. Daily bank acct. balance/6months... Plays a Yuuge factor in higher 💳 limits..

[@randallnelson2768]

@@kosh9639 Nah, I can save well over 3k per month, and that is reflected in my bank statements. But a number of years ago I was broke and stupid, I am currently "starting over like an 18 year old".

[@kosh9639]

@@randallnelson2768 If, your self employed.. Your kinda limited by the longevity & credit history of the business. But, if, you work(or/own) for a Corporation, that's different.. (Way more credible/stable) Either way, you will get max. Allowed limit increase-- when you ask.. with your high daily balance. Just, my 2 cents...

[@tonyr6150]

This video was magic related. Rudy just admitted the reason why he invests in a kids game. Cause he's delinquent, the banks after him, he's hiding in his parents basement so he cant be found, and if he is found, he doesnt have anything against his name they can take.

[@awwwyouknowit5971]

Huuge** Ya Dumbshit Timmy.

[@twothreebravo]

"It's OK to make mistakes" Thanks, man, I needed to hear that.

[@johnpierce6383]

Same.

[@singleplayerparty3899]

Rudy, I turned 40 yesterday. I'm a Timmy. I have an okay job, but never understood building wealth and planning for my future until I started watching your channel a couple years ago. I still have a small amount of students loans, but a TON of debt from starting a company and it eventually (after a few years) not being able to support me. I'm grinding so hard to pay it off. I needed this video, only for the part where you said it's okay to fail. I broke down. You made me cry. I really needed that. Thank you.

[@krokalop]

my local taco guy: NEVER FEED THE SCAVENGERS!

[@Anthony-qu7qd]

Seriously don't!

[@GM-rs2fv]

Timmy: I’m here to get pounded. Cpt Taco: Please take off your pants and go bend over in the corner. Someone will be with you shortly.

[@mikeyj10]

That’s weird, every time I’ve been to poundtown there was no wait.

[@moxavenger]

Can you pound me too? Is this an ass pounding?

[@NikitaLab]

Rudy these videos are the best. Really miss the store build-out series where you shared your knowledge of leases and commercial properties, would be great to see more videos on that.

[@jeanpineda-l5736]

# don't feed the bottom feeders.

[@Christian-cz9bu]

"Why isn't this stuff taught?" Because it's harder to feed an educated sheep to the scavengers.

[@Ninthtail9]

We live in a big bank funded world. The less knowledge of the system the populous has the easier it is for them to collect more money, more fees.. their goal is to milk the system.

[@TheTurtleOfDarkness]

Hi Rudy, I'm a young Timmy that just turned 18. I've followed your channel for a while and really enjoyed this video and all the other long ones too. I'm just starting out in life so I can't afford to be a patron, but would really appreciate it if you did another one of these talks but for people who are just starting out, like how do you start investing? and how do I build credit? I've been scared to do any banking or finance for a long time because I feel like I'm going to screw it up but your message at the end has really resonated with me. But I know it's probably not for your demographic, and who reads KZbin comments but hey it's worth a shot. Anyway, thanks for talking about this in the first place I feel like I learned something

[@joshmckay6208]

Get a credit card and buy gas with it, just gas. Pay it off every month. Don’t miss car payments! These two things will have you in the high 700’s by the time your 24.

[@beno3686]

You need to get a job and stack some money up first thats whats most important. Im 23 and make 80k with no college, theres no excuses to not have a decent job in this economy.

[@helmutthat8331]

Just search the Alpha Investment's channel for the "Wolf of Magic" videos. Those are the Timmy level primer videos for Financials and Investing.

[@xiaomi2931]

Rudy has an awesome video called How To Be A Credit Card Warrior or something like that and an entire intro to personal finance called Wolf of Magic. Take a look at all of the Creepy Rudy videos as well, they give you great insight into some of the financial situations Rudy had to work with in life.

[@danielmorton9956]

You start investing when you can start. Check out the return on the entire stock market index as compared to interest in debt, many times paying off debt is the better investment. You can take risks when you are young, but credit card debt is the worst kind. Saving is the key investment. Read that again. That is the key to getting the ball rolling. Really think about college as it doesn't have the returns it once did. Also, consider doing a cheaper 2 year program and then transferring to a full Bachelor's. If you are serious about investing for the long term you can always start with mutual funds, bonds, high yield savings, index funds or CDs. None of those will have huge yields, but you will start making it out ahead. Remember to be careful when investing that you don't spend more time than you could use just making money. One clever trick I have known people to pull off is buying a home with a mortgage before college around the college and renting to pay off the mortgage. You are stuck with risking any down payment and liability. Easiest way to build credit is to get a credit card and have it auto pay in full. Be careful with how you use it, starting with limiting it to select items.

[@elijah12325]

Rudy, really awesome video, thank you for the great Educational Content. I’m 20 years old and I’m looking into buying my first property in the next 6 months, and I’ve been following your channel since I was 16. Your videos have been an invaluable guide in maintaining credit and investments.

[@TheBinaryHappiness]

heh, how did it go with the property? i'm glad that the youth nowadays can find great teachers online. godspeed!

[@iann.78]

last time i was this early my wife left me

[@Scott-sm7kx]

Wow Rudy. Thank you for this video. I watched the whole thing at work while sticking bottles. I support ya 100%. I became a pateron for a month so I could toss you some lunch money for providing great videos and solid advice. Cheers man. I needed that.

[@PreacherwithoutaPulpit]

Damn Rudy how did you get so wise for someone so young? Simply Brilliant and this is the stuff I need to learn as I'm a citizen of Pound Town and can't even afford to become a patron. It would be awesome if you keep going on this topic as this is something I really need to learn to help myself and my family. So please continue these whiteboard talks about debt and how to get out from under it. Maybe even go into detail on how to dispute old debts as many of things on my credit report are at least a decade old with nothing new added since then. In '98 my special needs son was born and his first 3 months was $380,000 in hospital bills and close to $500,000 a year after that for the next 6 years. I was 32 at the time and was doing fairly well. Well as you can imagine insurance found a way to wiggle out of covering his medical expenses and my wife and I lost everything over time in the attempt to keep up. So this is exactly what I need to learn. So I'm basically begging you to teach me more about this and thank you for covering it...

[@KamiKazeDrMario]

First visitor to HoseTown USA, pass me a big punch to the face with 20 floppy tacos and no hot sauce.

[@metalheadmachines9800]

No hot sauce? Ok I'll throw 37 packets in the bag.

[@claycook-mowery1416]

Thanks for talking about this. I've worked as a bankruptcy lawyer for 10+ years, and I wish people had more general knowledge about their debts, interest, credit. No matter where they're getting that knowledge. People usually have really incomplete information, and they bury their head in the sand and are afraid to find out their options. Only thing I'd suggest, be extra clear with your disclaimer - you don't want to be seen as giving legal advice, and the laws will be different state-to-state. Haven't finished watching yet, I hope you recommend they talk to a lawyer, most bankruptcy/financial attorneys will do free consults. But thank you for getting this out to people who may not otherwise get it.

[@Wolfgar-jx5kl]

This really works , sadly I was about $25 grand in CC debt due to bad decisions and some bad luck . I went off the grid for about 8 years and worked for family and myself . I got so many death threat letters from scavenger groups I actually moved and changed phones a few times and paid cash for everything . Eventually I had the guts to run a credit report 8 years later and no joke it was clear . My score was not that great still but I applied for a decent card and was approved for s pretty high limit . I’ve had good credit since fir the last 2 years . It can be done but u have to have some good nerves and emotional control.

[@JimmyTheSaintDailyVideos]

Similar story here. I ducked and dodged those bastards for years and came out pretty nicely. But its really hard to live "off the grid". No bills in your name, no income on the books, no car in your name, no bank account, etc. Its rough, but it can be done.

[@Wolfgar-jx5kl]

Yes it was , I was fortunate to have a paid for truck that was in good shape and living rent free with my girlfriend at the time who is now my wife . Looking back it’s funny how ashamed I was because my parents who never welched on a debt in there life never new , I hid it from them fir years . They just thought I was investing and “ was debt free from cards and paying cash fir everything. Lol . Looking back I would never had been able to do that without being forced too lol. I felt guilty as hell . Now these days it’s seems to be not that big of a deal to the younger generation @ no offense to anyone out there who’s just starting out but in the 90s when I was in my 20s it was like being a scumbag to have credit companies calling u and even could get u in trouble if they called your work ... but honestly I admit I did get a bit of selfish gratitude beating them out of all of that I guess because how rude and mean they were . They would make u feel like u robbed a million bucks from there own personal bank account. Lesson learned though .

[@Wolfgar-jx5kl]

Duck and Dodge !! I used to say that a lot to .. the situation was not funny by no means but I’m sitting LMFAO thinking back on it lol .

[@cosmicapple9921]

@Brad Saw Man Fowler your comment and this vid led me to spending days of watching, "cant pay, we'll take it away"

[@PvE2PvP]

Can I call you grandpa rudy? Feel like this dude really cares about me. Love you. No homo thank you for all the help and encouragement!

[@oscar_likes_stuff]

its 2022. if you need to justify watching rudy videos to ur friends, show them this one. he covers the following: - how to build credit - why u shouldn't talk to debt collectors - that it's ok to make mistakes - why u shouldn't give up on your dreams - when to cut toxic people out of your life - that the people who support you and want to be in your life matter most. Rudy, thank you for being a friend.

[@stephenslachta5363]

You hear that? That’s a collective sigh of relief from the citizens of hose town USA.

[@savioalmeidabrasil2610]

My fucking God,Rudy is better in lifting my mood about myself than my own father.

[@stormrabbit4956]

That speech toward the end. 👏👏👏 Love it. These videos are great because, like Rudy says, everyone should know more about how money works, but it's taboo and not taught for some strange reason. And it's ok to make mistakes; we're all human. I used to be afraid of making mistakes, and I found myself missing out on life and making even more mistakes - ironic, really.

[@purplerube1038]

I don’t even Magic and I love this channel. I am someone who gets criticized for taking openly about credit and income and wish more people did . I made a couple bad choices that got compounded by being down impacted by an employer shuttering staff . I had a credit score in the 400’s and now it is in 800’s and use my experience to help others and I think it is great to use this platform to share this type of information.

[@MrSJPowell]

"Failure is not an option. It's mandatory. The option is whether or not to let failure be the last thing you do."

[@Asuna3724]

Hey Rudy I love these kinds of vids, im here late but law school has had me pretty busy. I learned a lot last summer from you and other sources and went from no credit since I was 23 and never had a credit card to now having 2 credit cards with 2k limits each and a 3rd with a 300 limit-still building it. I dont intend to ever be delinquent and have to use this knowledge but I appreciate you making these vids because like you said none of its taught. I went through all of highschool and undergrad nobody said 1 word about this and I was 23 with basically no credit. Thanks again!

[@Mordewolt]

I did miss you, Rudy, and i ain't even playing magic or have money to invest in it!

[@TheKawasaki250]

Great video Rudy. Very refreshing to hear someone say it's ok goes up instead of being hounded by people on the internet.

[@liquid-slick]

I just got my deposit back on my secured card and my limit raised way more than I thought it would be. It's super cool that you're making videos like this, I could have used it 10 years ago lmao. It makes me even more proud that I figured this out on my own, though.

[@joshbarnes9267]

I've been watching you for 3 year. Never left a comment. This is the best video you've ever made. Thank you.

[@7Alberto7]

"It can be done" Rudy 2019,Thanks Rudy very good video

[@stevenanders8631]

Rudy the motivational speaker!!! I love it. Waiting for him to say... If you do xy and z your gonna be LIVING IN A VAN DOWN BY THE RIVER!!!

[@heathmeister1858]

I swear, I needed to hear this today. I am in this situation where I am paying off 3 credit cards, and I just moved and I was exhausting all options to have enough money in my account today so I did not overdraft my account from my end of month bills. Every day I am sick of being in such debt. Thanks again Rudy for this advice, but I am really am trying to pay off one card at a time. Again, I needed to hear this today. I appreciate you Rudy.

[@mcmonkeytaco6150]

Great Video Rudy! Resilience and Persistence is so valuable.

[@bswizzle85]

This type of information is awesome... Will you make another channel called 'Rudy's Taco Stand' to feed all the Timmy's the info tacos and knowledge burritos?

[@LoOnYaSyLum]

I'd watch that all day

[@ethannapier2316]

It should be Creepy Advisor

[@erebus7611]

I drive 24/7 and listen to your videos like Howard Stern or Jason Ellis. No problem with long videos, keeps me intertained. Exept box openings, i need to see the crazy pulls.

[@Andres9562]

I don't even play magic and I have just been watching video after video. Just feel a real kinship and this video affirms it. We all make mistakes, bit it takes a truly courageous and strong person to own who they are and pick themselves up every day to keep moving forward.

[@Doom1461]

Rudy this video was awesome thank you so much! I am from Canada and I found it super informative even though the laws are a bit different up here! I really liked you message about failure, how its okay to fail and by trying something you could end up in HoseTown, the important part is that you try though :) Thanks man

[@tidusdream12]

Rudy, I have been watching you for a year or so. I do not even magic just enjoy your personality and learning new things. I just moved to a new state as a director level and I am responsible for training others. I tell my young Padawans I have made all the mistakes here is the best way. You sir are a breath of fresh air. I learn from mistakes and fails. I just subbed and this content rocks. Screw the Taco Timmy Monday morning quarterfappers. Don't know what a Alpha/Beta black lotus does but I know it makes grown men's hand shake when they open an old core pack. Respect

[@bluebenis4846]

I come here to find advice for selling a cards and I got financial advices, I watch all your video Rudy and I watch the entire length. Keep up the great work !

[@denvaj5679]

Thank you for the life lessons. I have learned so much from your wisdom and way of thinking. I have made numerous financial mistakes within the last 15 years of my life but am continuing to learn everyday as I get up and try again. I am in the process of starting another business again and all of the experience I have gained will help me navigate through the next chapter of my life. Thank you for sharing all you know Rudy.

[@debbieallan5173]

I do enjoy these videos. It's a nice change of pace.

[@magusofthebargain]

This is a great inspirational video, especially the end of the video. Thanks Rudy! ~Timmy of the 3rd Dynasty

[@josephpement9285]

I've never had problems from the consumer / debtor side, but now I'm rewatching this from the business / creditor side (accountant for a dealer chain). This perfectly describes all my frustrations with small claims court. It's like $400 start-to-finish where I'm at just to get to having a garnishment served. It's just not worth it for me to sue accounts less than like $2,000, but nobody wants to just "let it go" and take the loss, so my company wastes a lot of money in court costs on worthless accounts that will never produce a dollar of recovered receivables. If you look up the probability of collecting debt decreases with account age, you can get an idea of how likely the rational creditor is to sue you. That being said, spite plays a big factor if the creditor keeps your account in-house rather than selling it off.

[@scooprussell930]

That was the best dose of straight talk about life I've ever had. You are my hero dude.

[@brandonthomson310]

Watch a lot of your videos, I really appreciate these videos, only 22 and dealing with a lot of this right now. I think it's great that you do videos like this

[@capreus1983]

Oh yeah, already down to 13,000! Very exciting, I have become really good at saving money the last year! Thanks to this channel and my ambition and willingness to listen to this pink visor, creepy goldfish hustler!

[@_mrcrypt]

I take back every negative thing I've said about you, dude... well, except that really funny one. These videos lately - God's work, man. Cheers!

[@richardcherry1991]

Thank you Rudy. Always appreciate your financial videos and the talks that come with them.

[@conn1948]

these are the kind of videos that made me first become a patron, keep it up rudy we all appreciate what you do

[@MagicTheKrakening]

Got rid of all my students loans by baiting the agency into violating my federal rights, FDCPA

[@GrifFungin]

Interesting.... I’d love to hear this story...

[@cesarnono13]

Elaborate or it didn't happen

[@MagicTheKrakening]

Go look up FDCPA and learn about your rights. Then google baiting debt collectors into FDCPA violation.

[@AgonifyeR24]

One of my close friends an heroed while being bullied by the scavenging companies for debt several years ago. I believe if he had more support he might still be alive. You are doing gods work Rudy.

[@DClough]

1 minute in and I was already in tears of laughter. Thanks Rudy needed that today my guy. Shout out from Boston Massachusetts! Go Patriots ;)

[@GrifFungin]

@21:25 A word about judgments... Yes, a judgement will fall off of your credit after 7 years, but a judgement typically remains in effect for 10 years and within 3 months of the 10 year mark, the lender has the option to reaffirm the judgement for an additional 10 years in most states. So, be forewarned that although a judgement may have fallen off of your credit after 7 years, it is still enforceable for a minimum of 10 years and possibly up to 20 years. If you are applying for a mortgage to purchase a property or selling a property you already own, the title company will find that judgment and you will have to settle the case with the holder of the judgment prior to closing on the real-estate transaction. That's right, even if you are the seller of the property, you have to pay the judgement before closing. Some title companies will allow you to use any proceeds due to you as the seller to satisfy the judgement. Edit: I see Rudy does discuss judgments @23:45 but he’s a little off on the facts unless Florida where he lives has VERY different judgment laws. I’ve never heard of having to reaffirm every 12 months.

[@wengel21]

Solid great advice and everyone should have sat through the whole video. I personally haven’t missed any payments or have any of those issues but I do think I should know about these things

[@bdrakePBDA]

I love your videos, sir. 27 minutes in, and you are teaching true wisdom.

[@TheReKinn]

You talk a lot about finances and these people with real estate to rent or thousands to dump on magic, but this is the video I needed. I'm 28 and filing bankruptcy after a ton of mistakes and it was important for me to hear that it's ok and there is a light at the end of the tunnel. Thank you

[@tcgvaultltd4584]

Rudy gave hella valuable advice today :D top notch thanks Ruby.

[@PlannerRS]

Rudy I subbed because I thought you were a troll and funny but the last 10 minutes were so inspirational and helpful. I really needed this. Thank you

[@4flx]

This was some different and heavy subject matter... BUT so so cool that you're willing to share and help people. I really dig the speech too!

[@mtgenthusiast1168]

You are the best

[@Akamai.808]

As soon as I see the visor, I hit the ‘like’ button. Don’t even need to see the video beforehand. Rudy Visor is like a satisfaction guarantee.

[@The-skate-collector]

Your the best thing that happened to magic

[@KBL-l7u]

Rudy! you said you dont think this will be a fit for the channel. I disagree i love this!

[@bertlin5207]

Rudy, really appreciate your honest advice. I learned a lot from you that i never would have known. Thank you

[@ninjaexploder12]

Love ya Rudy! Great great stuff. I didn't know any of this till I was renting a studio in Hosetown USA. Coming out of it for the better, but would've been useful earlier in life.

[@leocorrales629]

This video helped a lot. Gonna be patron soon.

[@ryangreenwald3755]

Thank goodness! I've been waiting for your next extended video........giggidy.

[@KnickKiller]

I love these videos, Rudy. Keep up the GREAT work!

[@MechanicSilo]

Hell yes. Moar discussions More credit Thank you Rudy

[@austin9578]

Dont normally comment. However this is awesome information to have and appreciate the in depth real life videos. Keep them coming

[@RuisuStyle]

I watch the long videos because I enjoy the content. I also appreciate the information you share with all of us. Thank you very much Rudy.

[@Nerdalgia]

Amazing video Rudy. You’re the best!

[@armstrongturbo]

Scavenger: Either pay us or we'll sue you. Me: You can't sue me. Scavenger: Why not? Me: My Taco Guy told me you can't past 5 years. Scavenger: ...Your Taco Guy? Me: And that I should never feed scavengers.

[@boyandhisdragon3751]

Rudy, this is why I love you as a person, and a personality in the magic scene and elsewhere. I thank you for all you do, and wish the best blessings to you and yours. Shalom.

[@mattfox6288]

Those motivational-esq speeches at the end of the long videos are always so amazing and honest. I like you Rudy, but more then that I respect you.

[@FSTL0613]

I am a simple man. I see a Wolf of Magic/Credit/Debt video. I thumbs up and comment. (gotta make sure those are profitable enough to see more ;-) )

[@overlordcacius]

I almost want to write my story down. But I don’t think that’s important. But Rudy’s right. And I figured that out the hard way. Kinda wished I had you out there 10 years ago man

[@mattminnick9310]

Advice or not you give people hope to see the end of the tunnel. That last line of, it's ok to make mistakes, is the best advice you can give

[@SenseiRaichuss]

Great video Rudy! But if we took a shot every time you said "navigate" ... we would all be dead :P

[@LoOnYaSyLum]

Love your content Rudy! Keep it up brother

[@aldinlewis5579]

This feels like one of those topics that I’m surprised I haven’t heard more about. And while I don’t plan on ever putting myself in a situation where I’d need this advice, I feel way safer knowing that if something really bad ever happens that there are ways to fix it.

[@0Asterite0]

Ok so this is important, if you're served, there's a couple things you can do to avoid the default judgement. 1) They need to confirm your debt. Sometimes collection agencies don't have their ducks in a row and lose or never got the proper paperwork. You send official mail with return receipt asking if they can confirm your debt. If they cannot, you're free from HoseTown. Now, if they can confirm your debt, DO NOT SKIP THE COURT DATE. If you're given a court date, go to court. Here a lot of things can happen. Sometimes if the collection agency violates the law in trying to collect the debt, you provide this evidence, and the collection agency can owe you money. Sometimes you can request the amount paid to be lowered based on your circumstance. Sometimes the lawyer drops your case because they don't want to argue in front of a judge. I am not a lawyer, do your own research, etc etc

[@AnimeJournal]

This is the greatest video on the channel. I prefer the financial videos.

[@Brooks0511]

Great video . I am currently trying to navigate pound town filed bankruptcy and trying to come out the other side . Thank you for the videos Rudy

[@Blickooo]

Best video ever! Did you really ask me to say it again... Okay whatever... Best video ever!!

[@collectingpokemon9195]

wow dude, the last minutes of this video are going to be very memorable in my life. Thanks for what you said bud, I felt so identified.

[@Azonavox]

This is actually pretty interesting. As a someone who’s background is in Finance, this is a pretty conflicting video. Although it does provide some good advice, I cannot exactly recommend it. But it’s a good video with a lot of good advice I cannot personally endorse.

[@burnttoastlol]

Thanks Rudy

[@Dead-Dog-Rising]

Thanks for your input Rudy. Have a nice day! 🙃

[@jamesdean9373]

Last half of your video was wonderful. People need to hear “the talk”. It’s not sexy but it’s very true.

[@jerryortiz4193]

I came across your channel I've been binge watching great content the magic community is lucky to have you I appreciate videos like this I was once a young Timmy

[@TheDashingRogue]

I missed you

[@nickjhonson6580]

These are my favorite videos now Rudy, keep them coming!!!!

[@OOOWISDOMOOO]

Honestly no matter what you make a vidoe on it always amazing and entertaining i love your channel thanks.

[@scrapsteenlifeintheforks1943]

From what I can tell you have touched base on this twice. Thank you for the advice.

[@coreyr.1012]

I appreciate this video and I love the speech at the end about taking risk, trying for what you want and risking failing.

[@Scott-qy2ts]

Love these videos. Please keep em coming. Especially ones about your experience with property management.

[@FrostsorrowGaming]

man that ending is something that a lot of young people need to listen to... we all make mistakes just roll with the punches... and if you are still in your early twenties... nows the time to fuck around and find your path and take risks to see how comfortable you are to move forward.

[@lonniehinson8888]

These are some of the best videos. This is the stuff everyone needs to know. Keep them coming. DD’s. Giggaty!!! Lol

[@afdgxzghzgfhgfzhazghzdfhxf]

i love you Rudy! T_____T You are a bright and splendid gift to humanity. Thanks for all you do!

[@Champigne]

Thanks Rudy, this info is really helpful and relevant to me. I love these kind of videos.

[@AccessAccess]

I wish someone would do a video on what he calls the "scavengers". I've always wondered, for instance, if there is an open market for debt where people's debts can be bought and sold for pennies on the dollar, how would one go about searching this market for a specific debt like your own, or a close friend's or family member, and buy it up (with the intention of forgiving it or just sitting on it and letting it expire)? I remember an article about a rich philanthropist who was doing this, his charity would buy up people's debts and then forgive them. The scheme worked for a while, but eventually the collectors found out who he was and what he doing and blacklisted him. But it wouldn't surprise me if others have attempted the same, or if he was able to create a front group to do the same.