Im FK'ing for Somewhere to Sleep

Your car is gone. Your stomach drops. You’re ready to call the police… and then you find out it got repossessed. That feeling is where we start, and it’s why the rumor about a Tesla “repoing itself” hits so hard. Tech jokes aside, losing a car to repossession is a real-life emergency, and we talk about it the way people actually live it: fear, embarrassment, anger, and the scramble to get back to work and keep your family fed.

We break down what happens after the tow: the surprise fees, the storage costs, the hoops you jump through, and the extra stress of not knowing whether your personal stuff is safe. From there, we zoom out to the bigger problem: the cost of living. Rent inflation, car insurance, utilities, groceries, and child-related expenses make it way too easy to fall behind, even when you’re trying. We also wrestle with the question everyone’s thinking but nobody says out loud: how are people surviving while everything gets more expensive?

Then we go where the conversation naturally leads: pride, asking for help, and the way social media loves to shame people, especially around child support and family struggles. There are always more sides to a story than one post can show, and we stand on a simple rule that changes everything: we listen and we don’t judge.

If this one hits close to home, subscribe, share it with a friend who needs it, and leave a review so more people can find the real talk. What’s one money lesson you learned the hard way?

Transcript

Cookout Welcome And Host Intro

SPEAKER_01 0:09

And now our feature presentation.

SPEAKER_02 0:14

Welcome to the cookout! Hosted by the step was on. Yellow.

SPEAKER_00 0:33

Yellow. Hey, you know we gotta listen to that wine arm bitch. If you don't know that wine arm, that means you ain't never dumped it. I'm dumping it everybody. I'm talking about everybody.

SPEAKER_01 0:51

Hey, welcome to Four Stepper Only.

SPEAKER_00 0:56

Hey, I'm that little nigga that y'all know in real life. I'm Jack. Why the hell am I holding my hot sauce in my other hand? Like it's a fucking beer. But anyway, I want to welcome y'all to Four Steppers Only. Yeah, we we cooking over here. We got fried fish. You know, we gotta put a little high showers on the fried fish. This is not Tabasket, by the way. This is not Tabasket. You do not goddamn do like like we gotta do like that shit like graciously here on Four Steppers Only. But anyway, welcome to Four Steppers Only.

Tesla Rumors And Self Repo Fear

SPEAKER_01 1:28

Hey man, I just got one question.

SPEAKER_00 1:31

I done been hearing this wild ass shit about these Tesla trucks and these Teslas.

SPEAKER_01 1:37

How about them repoing themselves? Man, I heard I was reading this article the other day where the Tesla truck backed out the driveway while the guy was walking out to his car and drove itself back to the dealership.

SPEAKER_00 1:54

Do you know how disappointing that shit is? That that shit'll make you be? Do you know how shit that because you were a couple pavements behind? I know a lot of y'all don't know how the fuck that feels, but I know how that shit feels because I done had some shit repoled before. Man, I'd have walked outside, my shit was gone. I thought somebody stole my shit. I'm like, oh my god, oh my god, my shit gone, my shit gone.

SPEAKER_01 2:17

Man, I'm I'm calling the police. I'm they're gonna tell it's it's depressing when the police tell you, no sir, your shit wasn't stolen, it was actually repoled.

SPEAKER_00 2:27

It's like, what like what is your response back to that? To where you they tell you and disrespectful to you to let you know they want to laugh under their breath at you because you having a whole panic attack, you you about to damn near cry. You don't know how you're gonna get to work, you don't know how you're gonna get the baby some goddamn food. Yo, your shit just got repoled. Well, what do you say? Oh, appreciate it. Oh, oh, let me go find my shit, let me call these folks. Let me ask y'all a question. Have how many of y'all actually had some shit repoled? Because that shit, that's some depressing ass shit. Because I remember that time when my shit got repoled. Oh my god. I'm talking about I had shit that I needed in the car, but they won't let you, they won't tell you where the car is until you're able to pay for it, unless you want to come get some of your stuff or some of your property out the car. And sometimes you better hope to God you got an honest motherfucker repo in your shit because they might take some shit out there. I hope to God you ain't got no cash. Hope to God you ain't got nothing valuable in that motherfucker. Because while they going through it, they shifting through it, they gonna be taking some of your shit. I'm just letting you know that this is this some real deal shit. I'm just letting

The Panic And Shame Of Repossession

SPEAKER_00 3:50

you know if if if I was a repo man and you left some cash or some coins or some, you know, some jingle jingles in that motherfucker. I'm taking your shit. I'm just I'm just gonna let you know. And you better pray, I I pray to God these repo men don't smoke or no do no no no reefer or nothing. Cause I know half, I know a lot of y'all out there leave roaches and goddamn blunts in y'all's cars while y'all, while y'all are like you you smoking in traffic. Because I I mean I've been on 85 before. I'm talking about 85 goddamn flying. Car fly past me. Only I smell is marijuana coming through that motherfucker. Only I can think is god damn. If we on 85 and I know that shit potent, I know damn well y'all that who the police can smell it if they pull up beside you. So y'all some brave motherfuckers to do so. But just for just for hint, like just for y'all repo men, hey man, I'm gonna tell y'all like this right now. I done seen too many folks goddamn been lacing and sprinkling sprinkling fairy dust. Talking about it's a fairy blunt that they smoking. A fairy blunt. What the fuck is a fairy blunt? That motherfucker ain't got no glare in that bitch. That motherfucker got some goddamn, that motherfucker got some toot toot in that motherfucker. You hear me? That motherfucker got them 30-30s in that motherfucker. That motherfucker might got some fentanyl in that motherfucker. But that just tells you right there that you cannot smoke with everybody. You can't do shit with everybody that that does certain habits or you think does the same shit that you do. But anyway, let's get back to this repo

Fees, Lost Property, And Repo Reality

SPEAKER_00 5:28

shit. Man, when my shit got repo'd, I'm calling around. I call the goddamn folks. Yeah, you can get your car back if you got um they hit me with like 3800. I said, 3800. I know I ain't behind that far. Bro, they put taxes, fees, toes, everything else on top of that motherfucker just to get some extra shit out you. Just because they were inconvenienced. Nah, motherfucker, I had to call an Uber or call my mama to bring me up this motherfucker just to get my shit back. Man, that's some I'ma tell you like this. That's some depressing ass shit that you'll ever do. I'm talking about depressing, depressing. Shit. I remember, I remember, oh, another another

The Lien Surprise And Cousin Story

SPEAKER_00 6:15

folks. My cousin called me one time. I am not gonna put his business out there, but my cousin, like my locked-in cousin, not the cousin that you don't fuck with really, not the cousin that's a junkie, the cousin that you actually fuck with, that actually calls you every day, and y'all just chop it up and y'all talk. So he done he done hit me up. Talking about some bro, my car gone. My car gone, uh, I don't know what the fuck happened. Tell me why somebody done sold him a car with a lean on it. He ain't know it had a lean on it. When the I think one of them car loan places had a lean on it, them Title Max places. Yeah, boy, that motherfucker was talking about some he I'm talking about. He woke up at eight o'clock in the morning freaking the fuck out. Talking about some, bro, bro, I'm just about to go buy me a goddamn cigar from the store and my car gone, bro. I said, I'm stressed out over here, bro. Shit, what the fuck am I supposed to do? Bro, they they took his car for $500. Five, five hundred dollars. And that shit's depressing. Cause I mean, if you if you if your cousin ain't never been through it, they gonna be judgmental as fuck. Unless you got a cousin that's been through some shit, and he's gonna be like this, hey bro, shit, it's gonna be all right. The shit that happened to me before is fucked up, but we're gonna work through it. We're gonna figure out what the fuck did it take to get your get your car back, as long as it ain't an astronomical amount, shit. We're gonna get that motherfucker back, bro. It's no worries. And if they cause any damage to it, shit, you're gonna get that motherfucker back and you're gonna get some shit out of them. So he ended up getting his car back. I got my car back also, but it's just the hoops and hurdles and they and that you have to go through to get it back. But even on top of that, it's the the bullshit, how you gotta look in them folks' faces when you gotta sit down with them and they and they gotta talk to you like you a parent, like they gotta scold you when they talking to you.

SPEAKER_01 8:12

It's like, oh, you know, if you would have kept up with your payments, uh shit, this wouldn't have happened.

SPEAKER_00 8:17

No, no shit, motherfucker. Shit happens. This is called life. I might I might have had to pay a little extra over here to pay a little extra over here. I might have got flim flam out of some money. I might I might have been fucked up at work. There's no telling what the fuck I would have to do to get my shit back. So what do I do? What what what how how can you sit here and scold me? Just give me my shit back. Y'all done took it, give me back. That's all I want. Give it back so I can get the fuck on. Because I can fake pay all the rest of these motherfucking goddamn coins that I gotta pay you so I can get the fuck on. I'm just saying, just don't don't sit up there and make me feel worse than what I already gotta do because I already gotta goddamn figure out how the fuck I'm about to pay you this extra on top of some extra if I ain't already got it in the tuck. I'm just saying.

Cost Of Living And Wage Pressure

SPEAKER_00 9:05

But that's that that's the problem. That's the that's the times that we face in because I mean shit is fucked up out here, shit is hard out here, shit is expensive out here. Because it's like like I was I was talking to a guy the other day, he is a professor at Athens Tech. This guy is over there working a part-time job at Kroger just to make ends meet. A professor at Athens Tech. How do you say that I don't make enough as a professor? And and now I gotta sit up here and go work a bullshit job. I'm sorry, nothing to call Kroger a bullshit job, but I mean it's a low-skilled job where I gotta put minimal effort in just to do a job. A lot of skill jobs out here are are what I call bullshit, but and they they can they can they tell you that you don't have experience, but it takes OJT, which is on a job training, to get you up to speed. Because every job isn't the same. You have the basics down. I mean, a lot of jobs out here you can teach a fucking monkey to do. You can teach a 16-year-old to do, you can teach a 17-year-old to do, but where where do you go from and what do you where do you derive from to get those certain things to get you where you got to go? Because if I'm not, if I don't have the skills and you're telling me that I need the skills to do this, how do how do I get the skills? How do I get the expertise in this job field to grow? How do I but if you're telling me I saw something funny like a motherfucker? It was a meme saying, oh, you need a bachelor's degree and four years' experience to work at McDonald's. And it shit made me bust out laughing because honestly, that's how the world is now. Because some people don't even make enough to work at, like I remember, oh, I change the subject. I remember when I was growing up and I heard people say that $500 was a lot of money to pay for rent. Shit, $500, $500 for a three-bedroom, two-bath, townhouse, man. You would thought you were doing it up. You thought you were big dick money. I'm talking about big dick. Now, shit, that shit won't even get you a box to live in. I mean, shit, you gotta go get a damn uh four walls with no bathroom, no nothing, just to make just to cut that for $500. I mean, shit, like you think about it. If you got that they said that that the statistic the other day for Atlanta was that you had for a two-parent household and one child, not two children, one child, was $215,000 a year to live comfortably. Comfortably. How many people that you know that actually clear that amount that work nine to fives? That ain't out here scamming, that ain't out here doing some fuck shit, that actually have climbed through the ranks. A lot of jobs ain't paying you that amount of money for one person's salary. Like we'll divide it by two. You gotta you gotta make what a hundred and seven uh a hundred and seven thousand just to make that amount of money to clear, just to live comfortably? What's your definition of comfortably? A car note, car insurance, rent, lights, water bill, gas bill. I mean, shit, that's not even including none of the amenities and some of the extra shit that you want to do in life. That's just the bullshit that you want to do. So, what I mean, what do you want to do? What do you expect us to do? How do you expect us to thrive in this society? How do you expect us to even grow and go even further than what we are right now? Because it's this shit is hard out here. This shit is hard to where it's like a lot of people are like, what's the fucking point of me working if I can work? If I'm still struggling. But you see folks that are on all these lavish trips, this, that, and the third, they go in this place, they go in that place, and these motherfuckers, these motherfuckers are goddamn living their best life and ain't got a job the first. How are they surviving? That's what I keep asking myself. Then on top of that, I'm gonna take you the other route. How is it that I sit back and I see certain individuals smoking every day, popping pills every day, drinking brews, they enjoying their best life, they they working a bullshit crow, uh um bullshit Burger King or some shit like that. And that's how they surviving. How the fuck do they make it? And I'm over here goddamn trying to goddamn roll two pennies together just to spark a match, just to keep my make sure my lights on, just to make sure my water's still running. And shit, that shit get hectic, that shit get real. But it's like when I there was hopes for me when I became 18 and got out there in the workfield, right?

Sending Kids Into A Hard Economy

SPEAKER_00 14:08

Now, shit, my son, shit, shout out to Zy. Shit, congratulations, man. You did your shit. You graduated, bro. Shit, that shit wasn't in the cards at first, man, but you did it. Congratulations, bro. And shit, I know you over there laughing at my ass because your daddy almost teared up like two to three times while we were while we were sitting up there waiting and you were walking, and I had all these big ass balloons and this, that, and the third, and I was tearing up. But back to the back to the story, back to the notion. How is it that I can tell him now, go out here and be a successful adult when he doesn't have the experience for the workforce to do that? Now he wants to go to school, and it's like, yeah, you can go to school and do this, that, and the third. Now be going be great. And it's like he can't even move out of my house yet because of how high everything is and the expectation about everything. Now he has to go work two and three jobs to make sure he ends up ends meet, make ends meet. And it's like my sister said told me one day not too long ago, well, a couple months ago. Um, she said that well uh what was it last year? It's been last year, yeah. She told me uh she was proud of me. I said, proud of me for what? She said that she was proud that I didn't have to live, live, and depend on a female to keep my lights on. A female that I did not like or did not see myself with to keep my lights on and keep a house, uh roof over my head. I was like, damn, motherfuckers really out here fucking for a place to stay. Motherfuckers really out here fucking for a Scooby snack? Damn, that's that's some that's some kind of fuck though shit, ain't it? Well, when you when you think about it, some people out here

Survival Deals And Moral Lines

SPEAKER_00 16:04

fuck for survival. Some people out here sucking dick that just to make sure they can keep gas in their car. I mean, some people out here just fucking to keep food on their table. So, because I heard about a story when I was uh in my mid-20s, which is crazy. Um, this dude I went to school with, and this older gentleman, I think he he was retired from a school district. Um and my mother told me this story. Like, and and then I found the shit funny. But this dude was saying that he was dealing with this older gentleman, and this older gentleman propositioned him to pay his child support. But there's a catch to pay his child support. The catch is you have to sleep with that man, that means that man will be the bottom, and that younger gentleman that was working at McDonald's at the time would be the top. And it was just to make sure his child support was paid, that he would do these extravagant things, but he would still portray as a straight man because he didn't want to get those things about him said out there into the masses because he had an image to portray. And that's crazy, and and but that's that's where a lot of people get killed and get hurt because they they their image has been sullied. It's like, what would you do for I mean, what honestly, what would you do for a Klondike bar? I'm sorry, I ain't say that right. What would you do for a Klondike bar? But I mean, that's I mean, that's where we at in society. It's like, bro, where's your moral compass? Where's your where's your where where are the funds in your pocket coming from? Because I mean, shit, I know I'm I'm prideful. I know I'm not gonna ask for help unless I really, really need it. I know I'm I I will I will find myself struggling before I will put myself down low to ask for help, which is a bad thing.

Pride, Asking For Help, And Community

SPEAKER_00 18:26

Because I mean, shit, it's like put your pride to the side. Sometimes you got to. Sometimes you gotta suck that shit up and say, hey man, I need help. Sometimes you and and and us as men sometimes don't understand that. So sometimes us, because we it's like, man, I'm supposed to be a provider, I'm supposed to be this, I'm supposed to be that, I'm supposed to be this, I'm supposed to be that, I'm supposed to be strong, I'm supposed to, I'm supposed to be da-da-da-da. And you can't. Why not? Because this is where I'm at. This is the world, this is this is where had the world has put placed me to where I'm sitting here struggling trying to figure out where the fuck my next meal is coming from. Because I'm gonna tell y'all something. I'm gonna tell y'all some straight up truth. I remember when I was working at Kmart and my check was fucked up, so I had to overdraw my account just to make ends meet, just until the next two weeks I got paid. The crazy part about it is my check was so short that next time I got paid, I was still in a negative. And it's like, what the fuck am I gonna do? I gotta make it another two weeks. I gotta drive to work. I got shit I want to do. What am I what am I forced to do? So I mean, shit. Sometimes you got to push that pride to the side. I mean, thank God I had my mama and my I had my stepfather, uh, Jimmy Hole, rest his soul, that had my back 10 times out of 10. Because a lot of people don't understand that aspect of life, don't understand that aspect of reality to where sometimes we gotta soak that shit the fuck up and ask for that help. Reach out that hand because we were not designed in this life to be here by ourselves. We were we were here to depend on others and others to help us. But this is the problem.

Child Support, Public Shaming, And Judgment

SPEAKER_00 20:16

So many people have will make fun of you and talk behind your back or post shit about you on social media. Because I saw I saw this shit the other day, man. And well, not to earlier today, honestly. With this with this girl, we're talking about her ain't shit, baby daddy, blah blah blah. He he he got them behind on child support, he only obligated two $200 and some change, and she cleared up over a hundred thousand a year and blah blah blah. Bro, to be honest, why the fuck are you putting that shit out there? Honestly, because it ain't nobody's business, the struggles that y'all y'all go through, except for y'all's own. Because shit, who? That shit easy as fuck to get behind on child support. You fuck around. I mean, you acting like nobody don't lose a job. You acting like you don't change jobs. I understand if the motherfucker man is up there saying, hey man, I'm trying. I'm trying, I'm trying to get back right. Because I mean, shit happens every day. But as soon as you see some shit like that, y'all quick as fuck to call the man a dead beat dad or something like that. Well, maybe that's not the real reality about it. Maybe that's the that's the painting that they drawing about this individual, and that's the only thing that will come forth about this individual is the miserableness being portrayed about him. Or I'm gonna tell you like this, I'm gonna be honest. There's always two sides, there's always two sides to a story, or three, but it's always two sides to a coin. Sometimes you do have those ain't shit baby daddies, and sometimes you had those those baby daddies or those fathers that actually try, that actually give a fuck, they actually want to be in their child's lives. And they do everything and above to make sure they are okay. And make sure everything that they get is what they get. And make sure the things that they get to survive is what they really need. Um, because sometimes we think we need certain things in life and we really don't. We think we need certain items in life when we really don't. And it's like live, live, be, live within your means so you can make sure you got them duckets, them coins to make sure all your shit is straight. Because I mean, I remember once upon a time, shit, I was paying what, $1,600 a month in child support. And that shit was gruesome. It's like, and I, and I told my um, my ex-wife at the time, my wife, um, I said, shit, hell, I could make more on unemployment and stay in my ass at home than I make it at working at a job. I just put in more, more, um, I just paid out taxes, insurance, and child support, and barely brought home $200. And it's it's like, how is that right? Damn the father, damn the way he eats. Y'all just gotta make sure the other side of the other family is over there straight, even though he might have a family over here he got to take care of. Now you've putting him in a position to where he has to rely on a female to live. Now he's now now he's looked at it like a leech. Now you're looking at him like, oh, you can't pay shit over there because you got too much responsibility over here and blah blah

We Listen And We Don’t Judge

SPEAKER_00 23:33

blah, blah, blah, blah. Man, that ain't even the case. Not when you not when you open a book and you look at the situation, not when you put the inn the individual situation on a piece of paper. So what what do you do? You you still gonna be judgmental off of them? You still gonna judge them? Because, hey, we listen and we don't judge. And that's all I got to say for four steppers only. We out. Peace. I'm finna eat some of them motherfucking fish. What the fuck you mean? Feel good.