Great news, the clutch plates came loose and work great now.
The only issue I'm having now is that when I get it going pretty fast in 4th or 5th gear and take my finger off the gas it tends to backfire on deceleration and stalls out, but starts right back up again.
It works fine cruising around the house in gears 1-3
I just cleaned the carb, so it shouldn't be a carb issue but I could be wrong.
Any ideas?