The video I thought I would never make

Summary

In this candid video, the creator discusses the journey of purchasing and building his dream home in 2021, which took 2.5 years to complete. He shares the financial challenges he faced, including unexpected costs and a steep municipal connection fee. Despite the stress, he expresses love for his modern, spacious home and the peaceful neighborhood. The creator also addresses the high cost of maintaining a heated pool and his strategy to minimize expenses. He candidly asks viewers for financial help to avoid selling the house, reflecting on the importance of the home for his family's future and his commitment to his YouTube channel as a source of income.

Takeaways

• 🏡 The video creator bought a large piece of land in 2021 and completed a big house on it in November 2023, which took 2 and a half years to build.
• 👨‍👩‍👧‍👦 The house was intended to provide ample space for the creator's growing family, which includes two kids and a dog.
• 📈 The creator's YouTube channel was instrumental in generating income, which helped in affording the house, after initially living in a 42 square meter apartment.
• 🚗 The creator supplemented his income with 'nimber trips' around Norway, which allowed him to pay off a loan on a vehicle.
• 🏠 The house in question has modern features, a spacious design, and is located in a quiet neighborhood without traffic, making it ideal for raising a family.
• 💰 The creator acknowledges that the house was expensive but believes the choices made were the right ones, despite the financial strain.
• 🏊 The house includes a heated pool, which the creator defends as a worthwhile investment, calculating the energy costs to maintain its temperature.
• 🛠️ Additional costs included a high-end kitchen, a heated garage, and extra expenses for painting and other finishing touches on the house.
• 📉 The creator is facing financial difficulties due to unexpected municipal fees and high-interest rates on a private loan from the bank.
• 🙏 In a desperate move, the creator is asking viewers for loans to help cover the remaining costs of the house, offering to pay a high interest rate.
• 🔄 The creator is considering increasing sponsored content on his YouTube channel to boost income and pay off the loan more quickly.

Q & A

When did the narrator buy the land for their house?

The narrator bought the land in 2021 during springtime.

How long did it take to finish building the house?

It took 2 and a half years to finish building the house, starting from 2021 to its completion in November 2023.

What was the reason for the narrator wanting a big house?

The narrator wanted a big house to have enough space for their two kids and a dog.

What was the narrator's living situation before buying the house in Arabu?

The narrator lived in a 42 square meter apartment in Oslo and had previously bought a car, the Falcon, which they struggled to afford.

How did the narrator manage to pay off the Falcon?

The narrator went on 'nimber trips' around Norway, making money from these trips to pay off the Falcon.

Why did the narrator and their family move from Budha back to Oslo?

They moved back to Oslo because they didn't like living in Budha, although the specific reasons are not detailed in the script.

What was the narrator's view on the neighborhood in their new house?

The narrator loved the new neighborhood as it was quiet, with a dead-end street, no traffic, and a tidy environment.

What feature of the house did the narrator consider a reward for their hard work?

The narrator considered the pool and the garage with waterborne floor heating as rewards for their hard work.

What was the narrator's profession before the situation described in the script?

The narrator had a regular office job and was also working on building up their YouTube channel.

What was the narrator's strategy to maintain the temperature of the pool?

The narrator used a heat pump with a COP of 4, which required only around 12 kWh of electricity to heat the pool by 1° C, and a pool cover to reduce heat loss and evaporation.

What additional costs did the narrator incur that were not initially planned?

The narrator incurred additional costs such as a connection fee for the sewer system, application fees for building, and extra expenses for digging and other construction elements.

What was the narrator's financial situation regarding the house after living there for 7 months?

After living in the house for 7 months, the narrator was facing a growing loan amount due to increased interest rates and was struggling to pay it off.

What steps did the narrator consider to resolve their financial situation?

The narrator considered asking sponsors for a loan, selling the house, and increasing their business's cash flow by taking on more sponsored videos and product reviews.

What was the narrator's backup plan if they had to sell the house?

The narrator's backup plan was to continue making YouTube videos and possibly rent a place with enough space for their needs, or buy another house if affordable.

What was the narrator's view on the importance of the house for their family's future?

The narrator viewed the house as an important investment for their family's future, providing comfort and space, and also as a base for expanding their business.

What unexpected family situation added stress to the narrator's life?

The narrator's new baby, oxel, required constant carrying as he cried a lot when left alone, and their older child, Isabelle, was sometimes grumpy due to attention being given to the new baby.

How did the narrator plan to increase their income to handle the financial strain?

The narrator planned to increase their income by promoting more products through sponsored videos and reviews, and considering offers from companies that had approached them previously.

Outlines

00:00

🏡 Home Building Journey and Lifestyle Change

The narrator discusses his unexpected journey of building a large house on land purchased in 2021, which was completed in November 2023. He reflects on the evolution of his living situation, from a 42 square meter apartment to a spacious home, driven by the desire for a comfortable space for his growing family. The video is a departure from his usual content, prompted by personal circumstances. He also touches on his early days of hard work, transitioning from gaming to making money through 'nimber trips' and eventually building a successful YouTube channel, which enabled him to afford his dream home. The narrator expresses his contentment with the new, quieter neighborhood and the modern efficiency of his house.

05:03

💸 The Financial Aspects of Home Ownership

This paragraph delves into the financial considerations and calculations related to owning a heated pool. The narrator explains the energy efficiency of his pool's heating system, which has a Coefficient of Performance (COP) of 4, allowing it to heat the pool using significantly less electricity than a standard system. He also discusses the costs associated with maintaining the pool's temperature, including the use of a pool cover to reduce heat loss and evaporation. The narrator defends his decision to include a pool in his home against critics, arguing that the daily cost to maintain the pool's heat is minimal. He also addresses other expenses related to the home, such as unexpected municipal fees and the high costs of certain luxury features like a Sigdal kitchen and a heated garage, which contributed to a strained budget.

10:04

📈 The Impact of Timing and Unforeseen Costs on Home Ownership

The narrator describes the challenges he faced with the timing of his home purchase and the associated costs. He mentions additional expenses that were not anticipated, such as connection fees for the sewer system and application fees for building. These costs, along with the choice of premium materials and finishes, led to a budget overrun. He also discusses the impact of market conditions and high-interest rates on the sale of his previous home and the subsequent financial strain. The paragraph concludes with the narrator's realization of the need to make lifestyle adjustments and stop further spending on home improvements to manage his financial situation.

15:07

🏚️ The Struggle with Debt and the Possibility of Losing the Home

In this paragraph, the narrator candidly shares his struggle with a significant private loan taken out to complete his home. He explains the increasing interest rates that have made the loan more burdensome and the challenges of paying it off. He also discusses the potential need to sell the house if he cannot secure additional financing or manage to increase his income. The narrator contemplates the emotional impact of potentially losing the home he built for his family and the financial loss this would entail. He also explores the possibility of seeking loans from sponsors or viewers to help alleviate his financial burden, acknowledging the desperation of his situation.

20:09

🤔 Contemplating Changes in Business Strategy to Improve Cash Flow

The narrator considers a shift in his business strategy to improve cash flow. He reflects on his past reluctance to engage in certain types of sponsored content but is now open to reviewing products and promoting services that could generate additional income. He discusses the potential benefits of affiliate marketing and sponsored videos, using his past experiences with successful promotions as examples. The paragraph concludes with a commitment to explore these opportunities to stabilize his financial situation and pay off his debts.

25:10

👨‍👧‍👦 Balancing Family Life and Business Amidst Financial Challenges

The final paragraph touches on the impact of family life on the narrator's ability to work and generate income. He mentions the demands of caring for his children and supporting his wife's recovery from a C-section, which limits her ability to help. The narrator expresses hope that his older child starting kindergarten will free up more time for him to focus on work. He also reiterates his commitment to his YouTube channel, regardless of whether he retains his home, and hints at potential future changes to his video content and style due to his current circumstances.

Keywords

💡YouTube channel

A YouTube channel is a platform where individuals or entities can upload and share videos with a global audience. In the video, the narrator mentions building up his YouTube channel, which is central to his narrative as it has allowed him to generate income and achieve financial success, enabling him to afford his dream house.

💡Dream house

A dream house refers to an ideal living space that someone aspires to own, often reflecting their personal tastes, desires, and lifestyle. The narrator discusses his dream house, which he was able to purchase through the success of his YouTube channel, and the various features that make it special to him, such as the pool and the spacious garage.

💡Heat pump

A heat pump is a device that transfers heat from one place to another, typically used for heating or cooling buildings. The narrator mentions a heat pump in the context of maintaining the temperature of his pool, highlighting its efficiency with a Coefficient of Performance (COP) of 4, which significantly reduces the energy cost compared to traditional methods.

💡Interest rate

The interest rate is the percentage of a loan that a borrower pays to a lender for the privilege of using the money. In the video, the narrator is concerned about the rising interest rates on his loan, which have increased from 10% to 15%, exacerbating his financial burden and making it more challenging to repay the debt.

💡Loan

A loan is a sum of money that is borrowed and expected to be paid back with interest. The narrator discusses the financial strain caused by a significant loan he took out to complete his dream house, which has grown due to increasing interest rates and additional expenses not initially budgeted for.

💡Sponsorships

Sponsorships refer to the support, usually financial, provided by a company or individual to another party for a particular project or activity. The narrator mentions seeking help from his sponsors, considering their potential to provide a loan to alleviate his financial situation, indicating the importance of sponsorships in content creation and personal financing.

💡Content creation

Content creation involves producing various forms of media such as videos, articles, or podcasts. The narrator is a content creator, primarily on YouTube, and discusses the challenges he faces in producing videos due to family circumstances and the impact on his ability to generate income.

💡Family dynamics

Family dynamics refer to the relationships and interactions between family members. The narrator touches on the challenges of balancing his responsibilities as a father, with a newborn and a toddler, and how it affects his work and the time he can dedicate to his content creation.

💡Budget overrun

A budget overrun occurs when the actual cost of a project exceeds the planned budget. The narrator discusses how various expenses, such as the kitchen and garage, contributed to a budget overrun on his dream house, leading to financial strain and the need for additional loans.

💡Efficiency

Efficiency refers to the ability to do or achieve something without wasting materials, time, or energy. The narrator emphasizes the efficiency of his heat pump and pool cover in maintaining the pool's temperature with minimal energy loss, showcasing his consideration for energy efficiency in his home.

💡Cash flow

Cash flow is the movement of money into and out of a business or individual's hands. The narrator talks about the need to improve cash flow in his business to manage his financial situation, considering sponsored videos and product promotions as potential solutions.

Highlights

Purchased land in 2021 and completed a large house in 2023 to accommodate a growing family.

Initially lived in a 42 square meter apartment before buying a Falcon and later moving to a house in Arabu.

Started a YouTube channel and transitioned from gaming to making money through nimber trips in Norway.

Moved from Oslo to Budha and back due to dissatisfaction with living conditions.

Chose the current house for its quiet neighborhood, lack of traffic, and suitability for raising children.

The house features a heated pool, modern amenities, and efficient design.

Calculated energy consumption for heating the pool and found it to be cost-effective with a heat pump.

Faced unexpected costs such as connection fees and application charges for building.

Invested in a high-end kitchen and heated garage, which contributed to the house's high cost.

Paid extra for better quality paint on the house, extending its maintenance period.

Took a private loan of 1.4 million Nook (~€130,000) to complete the house.

Attempted to pay down the loan but faced increased interest rates and a growing debt.

Considered selling the house as a last resort due to financial strain.

Explored the possibility of receiving a loan from sponsors to alleviate financial pressure.

Opened up to the audience about the possibility of accepting more sponsored content to increase cash flow.

Acknowledged the need to balance content creation with promotional activities for financial stability.

Shared personal family challenges and their impact on his ability to work and create content.

Expressed gratitude to the audience for their support and outlined future plans despite the challenges.

Ended the video with a candid discussion about the uncertainties and potential changes in his YouTube career.

Transcripts

yo what's up we are now well I was about

to say in front of the house but this is

technically the back side of the house

and yeah uh it's a different video than

I would normally shoot and I I never

thought I would shoot a video like this

before but it seems like I have no other

choice

so um where do we start yeah I bought

this landan in 2021 in springtime or

yeah something and then uh in 2023 in

November the house was finished it took

2 and A2 years it's a big house I know

but you know we have two kids now and a

dog uh and I always wanted to have a big

house so we can have enough space you

know it's been gradually improving over

the

years and it was expensive yeah but we

we felt like we made the right choices

so uh you know I started when I started

my YouTube channel I live in uh an

apartment 42 square meters at hugood I

bought m in the

Falcon and then I I I was always a well

I wasn't always a hardworking guy I was

gaming a lot in the old days but I

stopped gaming and then I brought mil

the Falcon and I couldn't really afford

him but I went on these nimber trips uh

just went around Norway because I love

driving and I made money on nimber trips

and that could pay off millon the Falcon

so I could keep him otherwise I would

probably not be able to pay the the the

loan for it and I just had a regular

office job back then but then I was

lucky with the timing so that uh I

managed to build up my channel and then

eventually we well we had a little move

over to budha but we didn't like it so

we moved back to Oslo and then we bought

that house in arabu and we will stay

there actually for I think 7 years yeah

until we move over here but over there

on there were several things we didn't

like over the years like some some noise

you know the traffic and eventually we

wanted family and I figured out that

it's it's a maybe not the best place for

children to grow up grow up but over

here yes him it is wonderful we have a

dead end or I mean yeah there's like a

dead end Street around here so there's

no traffic D driving through I can walk

Isabel and do uh with basically almost

no cars passing by here it's a quiet

neighborhood uh you know everything is

so nice and tidy over here I love it the

house also is wonderful spacious modern

very

efficient

um yeah so that's just how the the stuff

uh eventually evolved but okay some like

many people will always

uh I don't know

like yell at me for for buying the pool

but you know I've been doing the whole

YouTube work

for I don't know 10 11 years or

something right yeah don't remember

exactly when I started let's say 10 11

years of youtubing so I gradually buil

up my

channel to the point where I felt like

okay I'm I'm making good money here I'm

working hard by making good money let's

just get the dream house which is what

you see behind us here

uh and one way to convince wifey to come

here was to get the pool I also wanted

the pool I was more interested in the

big well yeah the the

insulated part garage double garage with

uh like waterborne floor heating that

was my thing you know my man cave but um

yeah if we would if we wouldn't move

here we will actually end up in a place

in feton which is not the best location

lo location wise it's kind of clumsy and

also not that big lot around 500 square

met this is 1,000 square me lot so it's

a lot more space okay it cost more but I

feel like this was the best choice and

now after living here for 7 months I

feel feel like this is you know really

good choice I love it here and the whole

pool you can see say uh it's pointless

to have a pool well actually it is a

heated pool now in the evening I could

even take a swim days 27° C and also

I've done some measurement of course the

pool is 44,000 L according to the spec I

asked the pools no guy big thumbs up to

them by the way for getting everything

done finished and if you want to raise

the temperature of the water by 1° C on

44,000 L of pool water I calculate that

we need 50 KW hour of energy if it's

cop1 but then since I have a heat

pump uh I done some measurement and I it

seems like I have Cop 4 which means that

I need only around 12 KW

hour know electricity to heat at the

pool 1° C and 12 KW hour cost roughly 1

in Norway during summer and sometimes

I'm even lucky with the low price say

low spot price so I can get away with

almost half of that you know if I just

try to time it but once I've heated the

pool which I've done now then we just

have to maintain the Heat and another

thing I found out is that now the pool

cover is on I have it on always it is

for safety it is also for efficiency

because it insulate but also reduces or

actually almost eliminates evaporation

and actually during daytime when the sun

shines here I calculated that I get

around 7 kilowatt well actually I'm not

sure but I'm guessing around 7 kilowatt

of heat and I was seeing that the pool

even heats up during the daytime when

the sun shines there so when I talk

about the whole whatever we need uh on

sunny days we might need even less than

that to maintain the heat in the yeah

okay okay okay I measure that the heat

loss I mean how I tried to shut down the

the heat the pool uh heating for 24

hours and it was even raining during

that time and semic cold at night and so

on and I lost how many degrees cels per

24 hours one which means

that it would cost me maybe €1 per day

to maintain the heat in the pool yeah so

to all the haters out there say oh you

know L I can't wait to see the

electricity bill well €1 per day I'll

take it I'll take it

yeah but the pool and the garage and the

house is like my reward for working my

ass off for 10 years so I can afford

this yeah and now there is one problem

which is that we went overboard maybe

with some things and many people they

they're quick to draw conclusions and

blame the pool always blame pool you

know but there are lots of other things

that CA the

the house to you know to become more

expensive for example I did not foresee

that the municipality would charge me

250k Nook or let's let's say around

€25,000 for some kind of connection fee

to the sewer system and the whatever

like huh till coings are whatever they

call it no and and also the uh what is

again the fee for applying for building

or whatever huh quarter million nuk just

for that huh really and then okay the

price but the pool you know from pools

at and know the supply they had one

price okay fair and square but then you

also had to add pricing for digging and

some kind of whatever you know and the

big the shed and some of the other stuff

okay that added up but it's not only the

pool that blew the budget we have sigal

kitchen that cost 350k nuk you know 1/3

of a mill Nook or in Euros

30,000 um maybe we don't need that

because I've been using the kitchen for

6 months and we could have done it just

fine with an Ikea kitchen that c cost

half of that Ikea they actually have

pretty good stuff I just wanted Sig doll

because that's what they offered you

know they had the package and they say

okay we offer you Sig doll kitchen but

if you don't want sigal kitchen they

have to deduct something from the what

they were okay wait for S down but on

hindsight maybe I should have gone for

Ikea instead I could have saved maybe

100 150k nuke there right and then the

heated and insulated garage well guess

what I haven't actually used the the

garage heating that much at all because

yeah some of the circumstance but just

going to keep the story short but the

heat the garage with floor with water

born floor heating whatever that is also

connected to the har of the house also

costus 700,000 Nook extra you know and

also the house you see now it's nice

white but you can probably see that the

shed and the garage has a slightly

different tint than the house initially

the house also had that yellowish the

the prepainted panels on the house was

so thin that it's supposed to last only

2 years before you repaint the whole

house and we were like huh is supposed

to be like this yeah you could almost

see the wood stuff through that thin

paint so we paid extra around 100,000 no

around €10,000 extra to get them to

paint the whole house and now the house

is good for at least 15 years before we

have to do something so I felt like I

made the right decisions and I invested

in the right things during the building

process but that meant blowing the

budget and the only way to get the house

done and you know with the bank and so

on was that Aus would then give me this

private loan to me it was around 1 thou

1.4 million Nook around €130,000

and okay around Christmas hours around

Christmas time I managed to pay down

them in some big chunks around 100K 100K

Nook as I paid 300,000 Nook on that loan

but

then New Year came and then we were

still missing some basic stuff in the

house like some shower walls and and

some uh uh

Ikea what you call it wardrobe and some

other basic stuff we're still missing

lots of stuff here we don't have

curtains we don't have Sun blinds we

we're lacking lots of stuff by the way

the the balcony what you see there it

seems unfinished because that is in um

they call impregnated

wood uh and you have to let it dry for 2

years supposedly before you can paint it

that's why it is not painted yet but it

is supposed to be like that you know if

you paint it now it's not good um but

yeah so we um so after New Year we had

some things that I felt like okay we we

kind of need this so it was like 50k

Nook in the shower walls and some yeah

and the shower head whatever and then

the uh wardrobe okay another know 50k

Nook there uh some sun blinds in the

bathroom uh the flas okay 20K they were

expensive but that's okay end game we're

not going to upgrade or do anything

there so there's been stuff going on in

the springtime that I had

to decide to buy but eventually this

summer I said stop okay we we can't just

keep buying stuff uh we we can just live

it live in the house like this it is

actually perfectly fine yeah okay

without show wall that becomes a bit

cumbersome the water splashes all over

the place but now it is fine it's not

that hot so we don't really need sun

blinds yet we can live without it it's a

bit comfort but it still works I have

the portable air conditioner there you

know it's noisy but it works we have

extreme summer maybe just two one to two

weeks per

year so yeah and we have some some ugly

tinting going on there that's my

craftmanship

but the house works fine it's still

wonderful to live here I love yes him it

is um it is chill here it's not so fussy

like Oslo uh so overall I I experienced

that I made the right decision to move

to yes him yeah but the problem is that

loan to idus that okay I managed to pay

down a chunk of it it still had around

1.2 million Nook and it has now grown to

be almost 1.3 million Nook because after

first of

May initially we started with around 10

10% interest and then it jumped up to

12% after New Year and but after 1 of

May it jumped to 15%

because they don't

want me to have that loan and I fully

understand but I was unable to pay in

time I actually had no idea how to do it

uh but I didn't want to lose the house

because we we fought so long for the

house for 2 and a half years plus the

delay that idus caused it should have

been just one and a half year that's a

different

story

um and and but I feel like cannot fight

idus and get some compensation for it's

long it's complicated but I should have

moved into this house one year earlier

approximately and one year earlier in

2022 the interest rate was not that high

but when I sold the house in 2023 the

interest rate was going through the roof

lots of people didn't dare to buy when

we had the they call it buun there when

we sold the house there was like

actually Tech it was an auction there

was only one guy who was interested

which was my neighbor all the other guys

they didn't dare to buy it because it

was just too much uncertainty around the

high interest rate so the timing was

really bad and it actually caused me to

most likely to lose out on lots of you

know I could get a better price if I

sold it one year earlier that is my

prediction you know plus that I had to

pay for two loan the old house plus the

new here at least the lot here you know

and

so unfortunately that's how it ended up

it was out of my control wait oh the the

light fired up

now so yeah certain things happen in

life that is out of your control so yeah

that's just how it is right so I mean

I've been trying to save money but uh

things just kept happening and okay

we're like okay we have to buy this but

eventually I said stop we cannot buy

more okay it's fine the house is fine

but then idus email me and like yeah

okay uh how is it going with the loan I

said well I'm I I I can't I mean

I can I

cannot find I cannot win on the lottery

I cannot find that much money yet but

just give me time okay I know I can make

the money because just look in the past

like I've been buying this I've been

buying that over the year I mean every

almost every month and that was possible

so I have the possibility to save money

and get it there eventually but it just

need some time and I've been quite

unfortunate with some family situation

and some other stuff lately which kind

of makes it slightly harder for me to go

out and make good videos that can get me

more money so it's like a down spiral

I'm like in a deadlock I mean like in a

chest mate here like okay I cannot do

anything I'm pinned down I have to shoot

this video at night now when the kids

are

asleep so I have already asked ask some

of my biggest sponsors like is there a

possibility that you guys can loan me

€100,000 and they said well the answer

is most likely going to be no and I said

yes I know but I have to give it a one

last shot because I'm running out the

ideas and if I don't know worst case is

that we have to sell the house sell the

house and we we might get 14,000 Nook

for the house 14 sorry 14 million look

for the house but I spend more than that

on the house but because of their High

interest rate nowadays people are not

going to pay that much for the house so

yeah which means that I

will lose money on this house but that

is the the last solution if idus wants

the money ASAP then I have no other

choice you know they pin me down against

the wall and I can't do

anything uh I also asked the bank but

the bank already back then extended it

was 10 million nuk they extended it to

11 million Nook but then when I ask for

more they say it's not legal to go for

higher yeah the bank can legally not go

that higher so I'm like well okay

unfortunately yeah I mean I know I can

save money because I don't drink alcohol

I don't smoke I don't spend money on you

know useless stuff uh I I spend the

money wisely yeah but unfortunately

that's the rule of the bank if the bank

could only allow me to go 1 million more

that would be game over I mean that

would be yeah game over for this the

problem and I I no problem for me to pay

that much extra

so I'm just explaining to you guys how

it is and the I came up with a crazy

idea but I was like no no no no I can't

do that I I cannot bring myself down and

humiliate myself well now I'm sitting

here and I'm I'm going to humiliate

myself and I'm going to ask you guys if

there's anyone out there who is willing

to help me not to give me money but you

can loan me money I can go as high as

10% interest rate it is crazy but it is

better to give you guys 10% interest

rate and to give e day who's

15% and other options asking family

member uh I kind of done that but uh uh

the answer is unfortunately know over

there Ive tried it already there is no

other possibility

so it it is in a way

very I don't I don't know what to say

but it is such a shame I'm going to be

so sad if I lose the house I bought the

house I build the house for my family if

I live alone or if I live with just

wifey and a dog we could live in way

smaller house like like like over there

at Alo that was large enough for us

actually more than large enough actually

but I figure that for the future for

expanding my business for expanding the

family this is going to be really com

comfortable and I can afford it remember

that the house cost more than 14 million

Nook and it's just that top 1 million

look extra that causes the big problem

here you know so not it's not like I

couldn't afford it okay okay technically

I couldn't afford it I could afford 90

95% of this but it's that last five or

10% that blew the budget that causes big

baluba big macaroni right

now so yeah so uh I mean whatever I'm

going to be yell at big time that's fine

that helps the YouTube algorithm LOL uh

but if there's anyone out there who

wants to loan me money we have to sign

this contract we can just use the

contract from idus as a template I just

you know we have a written contract I

owe you this much you you know I have to

pay you this much in interest

rate uh and so on uh and I'm you know

I'm an honest guy I'm not going to run

away anyway I can't run anyway

anyway that would be really grateful uh

just you know small like if I can just

get let's say

even, 2,000 Euro loan here and there and

we have many of those it would actually

make a difference and especially if you

can tip it over and say that okay I

managed to find 500 or 600k no or

whatever and idus has then the remaining

little bit there or if way can then ask

the bank if they can just stretch it by

a couple of hundred thousand Nook you

know yeah but I don't know I'm this is

my final shot for the house and if

nothing works out then I have to sell it

but the crazy thing is that okay we sell

the house okay it's it's going to be the

biggest uh biggest uh disappointment in

my career

but we can actually afford a relatively

spacious house if you want to buy

another one well actually or yeah or if

we can rent we can we don't have to rent

a small apartment we can actually get OK

space and so on but it's just the fact

that I'm going to lose so much money and

to lose the whole it's it's a principal

case yeah this just but whatever

so yeah uh I think I'm done uh talking

now

and I will actually have to go inside

and shoot some and edit some videos and

then I'm going to uh do a range test at

night because that's the only time I

have time to do something because

nowadays it's I okay short story

nowadays I I almost cannot do anything

because oxel just happened to be a baby

that cries a lot when he lays alone so

we have to carry him a lot so that's

puts a big strain on one of us occupies

one of us quite a lot and then Isabelle

is also a bit grumpy is from time to

time uh especially when oxus run

something about you know Big Sisters

little brother and you know yeah mother

giving attention to the little brother

instead and Sh like like that right

plus that wife is still recovering from

the C-section so she has some limitation

when it comes to carrying heavy you know

toddler or stuff like that so that's why

I have to take my part of the

responsibility as a dad to also help

here but it's going to be things are

going to be better fortunately because

Isabelle will start kindergarten from 1

of uh August so I just have to survive

now for the next month is plus the te

Ving stock whatever they call it yeah in

the beginning so so once Isabell is that

in the kindergarten I should have way

more available time in the office hours

Monday Friday to get some work done but

yeah okay I also need to maybe tell you

guys that I need to do I can't just

getting a loan is not the solution the

solution is to bring more cash flow into

my business and in the past I have been

kind of reluctant of getting something

but for example tber approached me and

they wanted me to make videos about grid

rewards and I was like hm okay after a

little bit back and forth they said

they're going to pay me money I'm like

well usually I don't do that but I mean

why not so yeah they paid me money to

make the T video I'm going to make two

videos one is already out the second one

will come out soon and I figured why not

because I love Tio I've been using t for

many years and uh just talking about G

rewards to get

money why not so I I should take more uh

sponsored videos out there but I have to

see what it is of course but actually

okay let's try it I'm open for it many

Chinese companies has has approached me

before asking me to review some products

I have to see what it is but if there's

something interesting that my viewers

would like to use I don't know

accessories for cars or whatever like

inflated bed okay they can ship me the

items for free but they also have to

maybe send me money pay me for reviewing

that product because like some of my

friends have told me who also runs other

businesses they said B don't sell

yourself too cheap keep I'm like huh

really well it is true um you know MC

Hammer I got full ppf on him plus

ceramic clothing it cost get on o design

around I mean uh the the customer price

would be 50,000 Nook for the full repap

for them it probably cost way less

because of whatever right but they gave

it to me for free and in the following

years when I had MC Hammer they made

made something like 3 million look in

they call

itting they they at least you know they

sold uh rap service for you know tens

time several tens time more than what

they invested in me and I was like wa

really and I've seen now the numbers

when I promote uh like sexy buttons I

actually get the commission when I

promote sexy button those those guys are

nice to give me commission you know so

so I realized that wow okay there is a

lot of untapped resource here I should

actually promote more of the stuff and

other channels are doing it I'm actually

almost not promoting any products like

that so maybe I should balance it and do

a little bit more of that you know

because I heard that other YouTube

channels they actually get more cash

flow from that than just the YouTube

income which is the main income for me

right now so okay I'm going to try that

but I have to do something to get the

cash flow going

higher uh at least temporarily and once

I clear the big ass loan I mean not the

biggest loan but I clear that that top

loan you know that 1 million the 100,000

Euro loan like after one two years

whatever then I can lower my shoulder

and go back to more normal stuff or I

could just keep it up who knows you know

we'll see how it goes but yeah so that's

just how it is um I think now I'm going

to stop talking because the video is

already too long but um thank you guys

for watching my channel for supporting

me all this year I highly appreciate it

and no matter what happens if I sell the

house I'm still going to make YouTube

videos of course it just that it might

not be as smooth and

uh and comfortable as it is right now

but I I can always hire rent a place

where I can have my banana boxes or I

can have it in the basement but it's a

bit cumbersome but usually like a Mini

Storage like I did initially will work

you know I can still do my range test I

can still do this and that but we will

either way if we sell the house by the

way we will still live in yesim because

we already got the Isabelle's um

kindergarten in yes him so moving to

another place would be kind of

cumbersome yeah okay but anyway yeah I

think I'm just going to end it now so

thank you guys for watching and Wait I

messed up that but I hope you guys enjoy

the video as always thank you watching

and talk to later and this is going to

be unedited videos I will just upload it

right like it is now okay bye-bye