Rejected Baby Mama Cant Survive Without A Man | Financial Audit 01:20:54

The IKEA Business Network is now open for small businesses and entrepreneurs. Join for free today to get access to interior design services to help you make the most of your workspace, employee well-being benefits to help you and your people grow, and amazing discounts on travel, insurance, and IKEA purchases, deliveries, and more. Take your small business to the next level when you sign up for the IKEA Business Network for free today by searching IKEA Business Network.

To watch episodes of Financial Audit a week earlier, check us out on YouTube.

I'm Rachel. I'm 23 from Dallas, Texas, and this is Financial Audit. Thanks for coming down. So what do you do for a living in Dallas? I work remote. I'm an operations enablement specialist. Wow, that's a lot of just broad words. It's a lot of words. Okay. And...

What do you make in this operational logistics special definite real job? I make $69,400. All right. At 23, that's pretty killer. Yeah. Yeah. $69,400? Mm-hmm. Wow. Any bonuses on top of that? Not really. That's including like a $75 a month stipend that I get. That's still sick though. I mean, that's really good. So how do you feel living on Dallas? Basically $70,000.

It would be fine if I didn't have. It would be fine. It would be fine if I didn't have my expenses. Well, okay. But cost of living, totally fine on what I have. Then why do you have your bullshit expenses? I feel would be the immediate question. Like paying off credit cards. Is that a bullshit expense? That's a debt. Well, it's a debt. Paying off my debts. If I didn't have my debts from my bullshit. Why aren't you paying off your debts then if we were making $70,000 a year? I am paying off the debts. Slowly. How slow?

Minimums. Okay, so we're not paying off the debts. So why on $70,000 a year? You know, asking how you feel living off of $70,000. You're making pretty darn close to what I'm assuming is like the median household income. Alone? Alone versus a dual house? Just me. Okay. Well, I have a kid. You have a kid? Yes. Oh, how old's the kid? He's a year. Okay. Wait, but you're alone. So the...

other side of the creation of that thing isn't here uh not with me he we split time we split expenses split expenses like for him so like daycare okay and food okay like whenever he's there he pays for the kid whenever i have him i pay for the kid yeah the i would say like the reason that

My finances are kind of like where they're at right now and so bad. It's just like he left me. We split everything. We didn't have rent before and then he dipped and then just like threw it on me. So it's pretty recent then. A year ago. Okay. Well, is your rent situation the same? No. We weren't paying rent whenever we were together. Well, you said he dumped rent on you. Yeah. Whenever I moved out, I had to start paying rent. So you had to move out of his place? Yeah.

He moved out too, but yes. So he didn't dump rent on you. You went and got a place. It's not like you guys were renting a place and then he left and didn't pay rent. Well, so we were together. We didn't pay rent. Like we, our employer working for like an apartment community. Sure. We didn't pay rent. But he didn't dump rent on you though. Well, he dumped me. He dumped you. Absolutely. And then I had to pay rent. Yeah. Yeah. You moved out and got your own. But you made it more sound like, usually when people say that, it's like, okay, they left. Yeah.

And then I had to pay the entirety of rent. What's your rent? $1,450. Okay. And you have coming in on average, it looks like payroll $4,628. And it was $1,450 is rent? I mean, just for your take home. Okay. I mean, you know, a little on that side at 31%, but that doesn't indicate that you should only be paying minimum monthly payment. So is that his fault?

I don't know. That doesn't really make sense. Now, obviously, he's a dude who, you know, you pay the bills, obviously. That's kind of...

how it works so um i mean well but you already said you guys put expenses for the kid so just child care really and the i pay for the insurance but he splits like health insurance just you said food as well though like whenever he's with him because we split time 50 50 so whenever he's with him he pays for stuff whenever so he didn't fully abandon then it's kind of you made it sound like that a little

Yeah. You guys just broke up and now you're splitting 50-50. Yeah. Custody. Uh-huh. Okay. Yeah. But the financial situation... Did he break up with you or did you break up with him? He dumped me. Okay. Why? He ran into his high school crush. Okay. I don't like that. Yeah. Yeah. I mean, there's certainly responsibilities. Well, I was at home with our two-month-old. So, that sucks. I'm sorry to hear that. Child support? Just splitting. Why?

Again, you're not. You pay the bill. Yeah. But so whenever you do the math, like based on his income. Yeah. Whenever we split, he was paying me more than he would have on child support. So to the child care for everything. So like child care. You keep changing what's what he's paying for. Well, it's changed constantly. This is changed four times now.

So for, no, it's the same thing. So childcare, for what he pays in general for the child is childcare. Okay, well you said pay you. He was paying me because I was paying it, but now we're splitting it within the last like two months. How much money does he contribute, do you think, on a monthly basis? Just to the childcare. How about that? Just to the childcare. Since you don't see the rest because he has a kid 50% of the time. His cut just for childcare is like 400 a month. And his child support would be less?

It would be around the same because he has other kids. Wow. Gosh. So you're 22 and you have the kid? Yeah. 22. Whoopsie. Yeah. Happens. How many other kids does he have? Two. Okay. Dude needs to learn what condoms are. Yeah. Yeah.

The girl he left me with too, she has two kids. Oh, good. So he's got all the kid expenses, five total technically. At least someone's keeping the country populated. Yeah. He's doing a great job at it. Okay. So what's your financial situation then? I mean, it really sounded like, again, you kind of said it's all because he dumped you. Which, yes, I mean, he left someone that he had a kid with. That is shit right away. And then goes for a high school crush. That is kind of shit.

And obviously it sounds like he has a record with that. So don't get me wrong. I'm not like, yeah, bro. Good job, dude. Yeah. I'm not like that. But like you were like, yeah, it's because he left me and he left me rent. No, you moved out and you chose the rent you wanted. You signed up for a place you wanted and you weren't stuck in a place that he left.

He pays for child care, half of it, and also takes custody 50% of the time and takes care of all payments while that's happening. So that really sounds like an immediate deflection of blame, of responsibility, of not taking accountability. Because if those payments are taken care of and, you know, obviously a kid is expensive, but with where rent is for a pretty strong income, plus child

half of child care taken care of. I really feel like we could be making at least a little more than a minimum. So what's going on with your finances? What's happening? Where are we today? I get a lot of tattoos. And I've spent a lot of money on these tattoos in the past year. That's your financial life is tattoos? No, I'm just... So that is like one big expense of where... Like area that I've spent a lot of my money. What the f*** are you talking about? How much...

That- I asked what your finances are and you say I've spent a lot on tattoos? What are you- Okay. As a viewer of my show, you guys have seen there is a common theme among most of my guests. Their credit is absolutely DEATH. Most of them have gotten to the point where they're living their 20s like there's no tomorrow, aka being absolutely dumb-dumbs with their money. But just because you have bad credit doesn't mean you need to have it forever.

Lucky for you guys, I have an amazing way you can beat the system and rebuild your credit fast and easy. I am super excited to introduce today's sponsor, Kickoff. If you've ever been watching one of my videos and related to one of the guests with terrible credit, Kickoff is made for you.

Kickoff is a credit building service that's designed to help you build credit safely and responsibly. Whether you're starting from scratch or trying to repair past mistakes, Kickoff has got you covered. Let me break it down for you. Kickoff targets the major factors that affect your credit. Payment history, credit utilization, account age, and credit mix. As soon as you sign up for your Kickoff account, it'll diversify your credit mix right away. Your credit mix is the types of credits that you have, like credit cards, loans, mortgages.

good mix can help your credit by showing you can manage different types of credit responsibly. Each on-time monthly kickoff payment builds payment history and because your monthly payments are so small, your credit utilization gets healthier faster. You can sign up for a kickoff plan in minutes and start building your credit right away for as low as $5.

Users with a credit score under 600 increase their credit by an average of 30 points in the first month. Plus, there's no credit check required and you can cancel your subscription at any time without any hassle. So take that first step in getting your money in order and join over a million people in building your credit with Kickoff. Get your first month for a dollar at getkickoff.com slash Caleb. That's kickoff without the C-G-E-T-K-I-K-O-F-F dot com slash Caleb.

So like if you, I guess like if you like break it down, all of my income is going towards like those credit card payments, which is the minimums. Yeah. Why are you so much credit card debt?

Why are you so much credit card debt? How about that? The tattoos. No. The first one we're going to look at is $8,621 with a $326 minimum monthly payment. That is all tattoo debt? That's all tattoo debt. Not all of it. Not all of it. I've put about $10,000 on tattoos in the past year. In the past year? Yeah. Whoa, now I know why you f***ed it. That's insane. Yeah. $10,000? Yeah. And then... And tattoos? None of them even have color. This one has some color. It's a little blue. Just a little bit.

You have a salt shaker, okay? It's one of my favorites. Why? $10,000 in the last year on tattoos. I just kept getting them. No sh**. Why? Because they look cool. Okay. Sure. Yeah. Subjective, I guess. Yeah, definitely. My dad isn't a big fan. I don't have any because I'm scared of needles. I ain't commitment.

But I've always wanted a base clef right here. Do it. Man, the needle thing. Okay, $10,000. So really, instead of making beyond any minimum payments, not just... I just kept putting more money on the credit cards. Yeah, but not just for your sake, but you have a f***ing kid now. They're a year old. And we're choosing tattoos over our literal future? How does that make sense in any context? It doesn't. Then tell me why the f***

Because you seem like, okay, it isn't. Like, you know it. So why the f***? I just kept doing it. I made friends with artists, and then it was like an inside joke. I was going to get an artist or a tattoo from every artist at the studio, and then I just kept going back. Friends with them get a free thing. Yeah. Yeah.

10,000 hours is an insane amount of money in a single year. When did you get your first tattoo? When I was 18, so five years ago. Okay, so it's not like this, but the majority of them have been this year? Yeah. How much is a tattoo? What's one of those that you got this year? Pretty much all of them. Okay, fine. The spider web on the elbow. How much did that cost? It's 400, 500. That's so quick. The amount of things you could do with 10,000 hours. This is just, you know...

I paid, I think, $1,500 for the two flowers on my neck. These two. Why? No one can even see them. You're wearing clothes. It's true. I don't want to shame you for getting tattoos. It's not about that, whether or not I like or dislike. I don't f***ing care. It's just like, you don't have the money. Let's think $60,000. Let's get to $60,000. That $10,000 thrown in your Moomoo account, for example. You bought some S&P 500 on average.

Without even touching it, it would grow to $400,000 in 37 years, you know, based on just its average returns. But instead, it's this ink on your body that fades over time. Needs touch-ups. Well, it needs touch-ups, but also if you gain or lose weight, they start looking weird. It's true. It's another reason I don't get tattoos on my yo-yo. I'm a professional yo-yo machine.

What would you give yourself? Self-assessed. We already talked about your first credit card for a second, but self-assessed. What would you give yourself on a score, financial score, the range being zero being the absolute worst, 10 being the absolute best you can be. Where would you put yourself on that scale? I took the quiz on your website. Okay. I got a zero. Okay. Yeah. But again, 10 is more important than getting that above a zero.

Right. If you want your score, Hammer Financial Score, you can get it for free just like she did. It's in the description below. It's also a good place to check out the budgeting and investing programs that you get to take advantage of. I highly recommend you go through it. But then you also get signup bonuses like $100 into your investing accounts. Check those out. Okay. So the Quicksilver. The Quicksilver. So this one I also use. We'll get to the car. But I use this card for the...

down payment on you didn't you mean how much is the down payment all of it a credit how much how much uh what's the dollar amount that's crazy what's the interest rate on the car uh 12 points okay well that's that's that's obviously gross that sucks but you put the down payment on something that's what what is this 30 percent 32.24 percent we put the down payment on that where was the logic behind there

A personal loan would be better than that. What was the logic? What was your logic? They told me that they would be sending me a check because I had traded in. So I traded in a different card. They sent me a check that was the same amount as the down payment, but I didn't get that check until about three months later. Okay, then you put it towards the car. Yeah, but at that point, I had already added more money onto the car. Sure, but you still put it towards it, right? Most of it.

What was the check? $3,000. And how much of it went to the card? $1,500, maybe $2,000. Why only half? It was meant to fully replace what you put towards the card. Yeah. Why only half? Oh, I ended up putting it on the other credit cards too because they were all getting close to being maxed. So that you could have more room to max out again? That's... You're obviously not a credit card person. So in what world does that logic make sense either? Like, don't you...

What's your debt payoff strategy? Because that's not a way to go about it is spreading out a payment across all the things. Does it make sense? I was just paying the minimums and then whenever I got the check, I was like, well, let me spread it throughout because they all have such...

You said because they were almost maxed out, but why does that matter to you? Why do you want that little bit of gap between each credit card to their max? I think the thought process that I had whenever I did that was if they... I don't know what happens when a card gets maxed. I don't know what happens realistically. Well, f*** your credit because it's utilization. Then there can be fees if you're above the max as well, which interest puts you above. So being close and knowing like...

the interest is so high on these that to get those a little bit lower just in case like the charges keep going then and the down payment is three thousand dollars so the other six thousand or okay i also i don't i use different credit cards each time but i was using the credit cards to for daycare for tent but he pays for half again you don't make an insignificant amount of money

Yeah. Why? Why was child care being put on a credit card? Even the tattoos you could cash flow. Sure, I wouldn't want, like, what is that? 20% of your income? 15% of your income net or gross going to tattoos? I wouldn't want that, but not like 20, but... I did put, like, the tips for the tattoos I would do with cash. Yeah, but why not the whole thing? Because you really could cash flow it if you wanted to. There must be something hit, some monthly expense that I just don't know. How much accrued in interest on this card this last month?

20 or 250 i think 280 maybe 236 74 cents yeah she didn't put anything extra towards it and now there's a 326 dollar minimum monthly payment and this is over the credit limit this is over the credit limit the credit limit is 8 500 you're at 8 621 dollars yeah dude obviously just use the fizz card if you're gonna use a card the benefits are more geared towards you anyway because you're younger

I'm scared of anything. Yeah, but it forces you to pay it off, so you can never get into this. It's a charge card. Oh, fuck. Okay. Yeah, the interest rate's insane. Interest is here so far $1,128 on this. How much? Gross. $1,128 stolen from you, taken from you. Holy. And minimum fee payments is your strategy, right? So, you excited to have that for 27 years? Because that's how long it takes to pay off. Well, and I was putting, like, whenever I was...

like hardcore buying, like getting the tattoos and things like that. I was putting more onto them than the minimums, but then the minimums kept getting higher because I kept using them.

You're going to close your accounts, chop them up, never touch them again. I know it affects your credit, but you are not taking advantage of credit. It's taking advantage of you. I think my credit score is like 580, so I don't think it matters if I do that. No, it doesn't. You're getting completely f***ed by all these credit cards. You're getting destroyed by the interest rate. I mean, you're going to have another kid at this point with how much they're f***ing you. This is wild. That was inappropriate. Why do I make inappropriate jokes? We joke here.

Okay, Capital One Venture Card. Yeah, that one's also like 32%, I think. But the balance is lower.

And I also, I opened these cards when I was with my ex. So that's why the minimums are so high because I had that dual income. So whenever it said, what's your household? Were you guys married? No. But whenever it said, what's your household? I didn't know anything. And together we made double my actual income. So I would put that down and they were like, cool. One reason I kind of want,

To go the child support route is because at least it'll be guaranteed, like, so he doesn't just, like, f*** off at some point. I mean, he could still f*** off, but there'd be legal consequences in the child support route. Yeah. I'm just...

I think I'm more concerned about the timeline between, let's say I were to file for child support. Then he says, you and stops paying anything until that's done. Well, then I have legal expenses. Then I have all of the expenses to myself. I should only get an extra 300, 400 from him a month. Like that's not. No, no, no, no. He's paying for childcare, but then he's paying for other stuff too. Like there's financed furniture items that he took when we broke up that he's. Why does this keep changing? You literally keep changing what he's taking care of. We never go all the way through it.

no you i think you said the words only child support uh only child care for the child yeah but then he took like he took our bed and he took our couch that's finance so he's paying 200 towards the couch and then he's paying me 80 child support for them like what's happening not court ordered but yeah he is he's not a terrible guy sounds like he's paying his bills he's trying to participate in their lives he's just you know he's kind of a douche in terms of the

bang and leave situation yeah which don't do that arty-narty wear a condom you could also say wear a condom yeah i won't unless you wear a condom yeah there's that but yeah but also yes to him wear a condom like it's a two-way street the intercourse thing it definitely is it was on both of us i mean i take responsibility for that as well which is why i pay my part too but yeah no it's a powerful word word

but also man up and wrap up hustle learn your pull out game dude that's all i'm saying there's a lot of cups he made along the way

That's all I'm saying. I'm going to leave it there. I'm going to leave it there. $127 minimum fee payment on this. So, geez, they're really stacking. $3,534.61. $92 of interest. So the interest charge a month is crazy across the board. I think that's actually gone up to the interest charge is like over $100 now. If your pullout game is weak, make sure you apply to be on the show at calebhammer.com. And I will yell at you for that.

We're filming on a Monday. It's weird. I don't think anyone's fully mentally here. That's okay. And it's a 30.49%. Yeah. Oh, I thought that was a 32 too. It's not even better, but. Noah's telling me he wants to do a pullout audit in the post show. In the financial audit post show. No, Noah. Naughty. Bad. Only one kid.

That's all it wasn't about. I'm very confused as to who, like, what that was. Never mind. I don't know. What does that mean? What specifically does that mean? It means nothing. I don't know. It's Monday. Okay. Ex-eater. I've never even heard of this. It's supposed to be the car because 26,000. So it's 26,012%. Uh-huh.

Okay, what's the car? Toyota RAV4. RAV4. Year? 2021. Okay. Why do you need this much of a car right now at 23? Another chunky minimum monthly payment of $532. These are really stacking. Yeah. How do you need this much of a car was the question I asked. So I had a Fiat before, which was not suitable for the child car.

that I have. The car seat didn't fit in the back seat of it. So I wanted a different car. Why I got this car, I just, one, I really liked it. Two, it was like the only one that they had on the lot that really like fit what I needed. There were a couple others. I guess I have a big car seat and I don't, I couldn't get the angle right. So the only car was $26,000 with a $3,000 car down payment on our credit card at $3,000.

32%. That's the only car we could get that had a car seat. I didn't shop around much. Of course not. It's the American way. And then we're stuck in a high interest, high minimum monthly payment.

I really don't know anything about buying a car, and I went into it knowing nothing about buying a car. I mean, I like the money guy rule where you have to get a 20% down, no longer than a three-year note, and the minimum monthly payment can be no larger than 8% of your income. That doesn't stack up here at all. No, it doesn't. Well, what's the term length? The longest one that I could do.

Oh, it's essentially until the end of 2029. Yeah. What's the car worth? $22,000. $18,000. That's unfortunate. When did you get this? Six months ago. Okay. And it's, so what was the purchase price? $30,000, right? No. Like what I paid or like what I technically. The purchase price. Yeah. Because you put $3,000 down and you have $26,000 owed on it.

Oh. What was the purchase price? I guess like $29,000 then. Okay. $28,000, $29,000. So it went down $14,000 in value in six months. I mean, you probably didn't purchase it at value. You probably purchased it above value. Yeah. And I had... So where I really played myself with that, I had bought a different car. So I went there, I bought a car, I bought a Mitsubishi, and I did not like it. Like within the return it...

18, 19. Still a lot, but my minimum payment for that was like 300. What did you not like about it? So within the first week of having it, I loved it. It was fantastic. But then about a month later, it was just like little things started going wrong. So I popped every tire. Is that the car's fault? So whenever I took it back, I'm convinced that like whenever I bought it, it had like nails in it.

because i don't think you get new cars because the tires no but price them all for like a thousand bucks it just kept happening so i'm like i don't know like constantly like within the month i had it i blew all four tires and like it was yeah but what about crazy like a new tire on the wheel even the new one so the new one would immediately pop within like a week or so yeah were they no were they new tires they were new tires they weren't patched no they were new tires it was insane

It was like every single week a tire popped. And I just like... Did you bring this up to the dealership and just like, hey? Or like have anyone look at it and give a reason why before we decide to go $10,000 more into debt? Yeah. So I took it back to... That wasn't the only reason why. Like I also... I didn't like the way it drove. I didn't like the way it drove. It didn't feel big enough. Like it wasn't... I went from a Fiat to what I wanted as a bigger car.

like to have the space for like having people in my car. Feeling? That's $10,000 more than that? It's a lot of wants. A lot of wants. Yeah. For all that debt. Uh-huh. Yes. Okay. And then I took it back to them and they were like, well, we'll take it back. We'll cut $1,000 off if we buy another car. Oh,

Oh, they made their money, dude. They made their money. They didn't have any other cars in the lot that were around the same price. Oh, of course not. Oh, of course not. So I ended up going with that one. And they really threw me in the, it's between this one and a Jeep Cherokee or something like that. That was like $35 or $36. And I was like, well, I'm going to go with the cheaper one. That's so dumb. Yeah. Yeah.

Maybe there was something weird with like all the axles or something, whatever the thing is that popped all the tires constantly. Who knows? That could have been a thousand hour fix or something. Yeah.

Yeah. Instead of $10,000 more debt, we knocked $1,000 off of a car that's worth $14,000 less than what you paid for and put $3,000 down on a 32.5% credit card debt. Insane. Kill me now. Death. I do really like my car now. Good. I'm glad. You better because it's expensive. There's not much finessing we can do with different financings to get it into a better place because the f***.

You're underwater on it dramatically. Yeah, I would go seriously negative if I sold it back or anything. And guess what? You're paying those minimums until 2030. Yeah. I think it's December too. Like December of 2029. It is. Yeah, it's the end. Right to 2030. And then hopefully it makes it till then. Take care of it. I mean, knowing you, a tire will pop in your back. Oh, this car's done. I guess I got to get a 40,000 hour car this time. Maybe. A tire popped.

My insurance covers that now, though. We upgraded my car insurance. So I pay more for car insurance now. Apple Card, $4,040.08. This is these minimum monthly payments, man. What's the minimum on this one? It is $184.12. You didn't even know. No. And the balance went up. Not for this one. The balance went up on this one? Oh, yeah. Yeah, because it's connected to Apple Pay and everything.

It was connected to my PayPal. This doesn't make sense. You seem relatively knowledgeable about your situation. You know you're in a bad place. I know you watch the show and you've watched the show for a while and you're a fan of the show. This confuses the f*** out of me. What's even the point of consuming the show if you don't like get your s*** in order? Because we're just getting Starbies and Starbies and Starbies and Starbies and Amazon and going to the mall and McDonald's and Starbies. The f*** are we doing?

What are we doing? So I work from home. And a lot of... That's... That means you really shouldn't be getting Starbeast because you don't commute. Yeah. Well, I have to take my kid to daycare. And a lot of times I will get there and then it's like I have a meeting in five minutes. So I go to Starbucks to...

to like go on the meeting sure don't spend money use the wi-fi get a water then i feel weird like because i'm a customer but you're not because you don't have money to spend space no you shouldn't be you don't have money yeah but i also really love stupid car loan for someone who works from home but i have to i have to drive to austin and san antonio and stuff a lot for work like i work remote but i have to go on site because i work for a property management company twice a month

Three times a month. My little Fiat wouldn't make it. Okay. Twice a month? Twice a month. So 24 times a year. And we need a $30,000 car loan to get it? Yeah, but it's a nice car. Yeah, but that's not the same car. Better than my old car. I probably should have gotten a different car, but I made that. That's dumb. That's dumb. That's the dumbest thing I've ever heard. Yeah.

We are basically halfway through the year and I need to make sure you guys are saving your money in the right place. In my resources section in the description below, you can sign up for one of the best high yield savings accounts there are, but you can also get $300 for free with qualifying deposits. You can also get FDIC insurance up to $2.

million dollars on your money and get 4.6% on the money that's just sitting there. It's exactly where I put my money. Why let your money lose money when it could be making money? It's the biggest no-brainer in the world. Open up a SoFi high-yield savings account now and get that $300 for free. How is that more important than your children's future? Do they have a college fund? I opened...

A college fund? I've put probably $25 in it. Yeah, so having the nice car is more important, right? Right? In that moment. What's your retirement account at? $3,500. 401k. That's not horrendous.

for 23 well whenever I started working for this company they didn't have a 401k and before I worked for them I was I had like a Roth IRA or something but I took it all out because I didn't know what any of that meant and I actually never invested it so it's just money sitting there and I needed the money this was like two years ago so I took it out and then when they finally got the 401k at my new job I started putting money into that

Just time is on your side, dude. You're so young. It's the perfect opportunity to just take advantage of time and let that compound on itself continuously over the course of decades before you retire.

I also don't know anything about like actually investing. So hypothetically, luckily you're going to the investing class, which will be good. And that'll help. And that's so we could have a quick conversation, but I'd rather you go through four hours of like true deep dives and take all the quizzes and everything. So that'll be a little better. But I mean, in general, just for the average person, and it's one of the methods we go over, just it's not advice of what to get, but what's really good for average people is,

are just indexed target date retirement funds. And it's like, okay, I'm going to retire in 2050. And it bases its aggressiveness and conservativeness based on how close it is to the retirement date. And that's just chill. All you do is just throw money into that. Oh, we also have some things financed. What is financed? $400 from Apple and $249. I don't even see a smartwatch, so...

That's a great question. How do you not know? You don't know what you have financed? I can't remember. 400. Do you have an iPhone? I do, yeah, but it's not that. That's financed through a phone company probably. Well, my parents paid for the phone. I was in college when I got it. So the 400 I think was an Apple Watch. Which you're not wearing. Which I'm not wearing. Classic. The 250 AirPods. AirPods Pro.

Which I do use on a daily basis since I bought them like almost a year ago, I think. Where are your parents? Where are they? Are they in Dallas as well? Mm-hmm. Okay. All right. How much do they help out with the kid? They buy stuff. So like there's like toys or anything like that. They help with that. They help here and there. Good money for your age. You have a college degree.

I went to college, but I didn't end up getting my bachelor's. But I did get my associate's. I came back. It was COVID. I came back during COVID. What's your associate's in? Just straight associate of arts. Okay. You're making good money for someone that doesn't have a bachelor's degree. Someone that's only 23. It's pretty great. There are student loans, if I remember right, aren't there? There's a lot. And there's not like a ton, but they're in there. Because it was only a semester and a half that I had to pay for since COVID hit while I was there.

Well, I'm always happy to offer every single guest, if you ever want anything for extra income, a tech certification through CourseCruise. But in your situation, again, you do well. I don't think income is your issue. I don't think it's your issue. No, I don't think so either. Affirm. What are you affirming? You don't need to affirm. You have money. What are you affirming? Which one is that? Amazon. Amazon is this ring.

It's horrendous. What is it? It's an aura ring. So it's one of those. But I'm also financing an Apple Watch. So it was a very impulsive decision when I bought it. It was at my friend's house. She had one. I was like, that's cool. It was a drunk ring purchase? Yeah. So I didn't know that there was any interest.

whenever I did it because I am so... You didn't? Well, it's a 30%. Yeah. So I had... I used to have decent credit. So anything I would ever do a firm with, which is what I would do just to build my credit whenever I was a good credit card person two years ago. Whoa. And I didn't... I just clicked through it because I knew where to click. Again, I was drunk. And then it was 30%. I didn't actually know that until I sent you the statements. What's the minimum monthly on this? $22.50. Okay.

You love living the minimum monthly payment life. Nectar, you got a Nectar mattress? I have a Nectar mattress as well. And I like it. I don't have it. That... My ex has that. And he pays for it. So that's part of what he sends me every month. It's $80 a month. Or $72 a month. What if he doesn't? Then you have to. Because it's on your credit, right? Not his? Yes. What kind of mattress do you have now? I have a Lowell mattress that I bought maybe like...

Three or four years ago. It's paid off. I did not affirm that. Paid straight cash for it. $1,703.85 is still owed on this. So he better not. This one's actually at 0%. Okay. What's the minimum monthly? Oh, sorry. Actually, the remaining balance is $426. But you took out $1,700. Okay. What's the minimum? $70.99. Okay. Okay.

See, again, you're very aware of your situation. You've just done nothing to fix it. Which is almost even more dangerous than the people who come here oblivious to their situation. Because at least they have a reason for not doing anything because they just don't even know. But you're doing Starbies every second of your life. Plus another multiple spending accounts we have to go through here in a bit.

while being fully knowledgeable about your situation, then $10,000 in tattoos in a year, but fully knowledgeable about your situation. $30,000 down on a 32.5% credit card, but fully knowledgeable about your situation. It makes sense. You know down to the cent with your firm payment that you don't even pay because someone else sends you money is. Like it's dangerous. I think I know that one because he sends me. Yeah, but you also answered on the other firm as well. Yeah, I do. You've been able to answer most money questions I've given you. Mm-hmm.

But the reasons why. Yeah, but so what the fuck is that? So what do you owe on this ugly watch? It looks like it's like, I don't know. It's made out of stone or something. Well, I could have gotten it just black and it would have been $100 more. What is it doing? So it's essentially an Apple Watch. It tracks your heart rate, your temperature, your

You're sleeping, things like that. I can't sleep with the watch on so that I would forget that I need to put it back on. So that's, like, I don't even know where it's at. Somewhere in my apartment, the watch. But this. Isn't that thing you need a monthly payment? Mm-hmm. What are you paying a month? $7 a month about. And you're paying that? Mm-hmm. To use it? Oh. On top of the $350 to buy it. Plus interest. Yeah.

Plus interest. 30% interest. Medical bills. What are these medical bills? Which one? There's quite a lot of them. And why have you paid the $75 one? $75 with... I think that's the... That's...

Can I see it? Or is that the minimum monthly? Yeah, it's the minimum monthly. The total owed is... This was the amount due, and that's when they basically told me pay it or we're going to send it off. Yeah, it's 22 payments, $75 each at $538 balance. Because in Texas, if it's over $500, they can send it to collections. What is this for? This one...

So this one is for my son. He had to go to the emergency room. He had RSV. So to be clear, instead of having an emergency fund to help take care of things like our child, $10,000 in tattoos. Right. Okay. So he had to go to the emergency room. This was for just the emergency room. I think there's another one in there for cooks because he had to stay. For cooks? Cooks.

Cook's Children. Oh. Yeah. Yes. Oh, this one's big. Okay. But this... This one, this other one's $3,109.70 with a minimum monthly payment of $121.66. So this one, it's 75 is how much was due. The minimum monthly is... This is the agreed upon is 25. Oh, okay. So that's what I agreed upon with Baylor. Okay.

And then the other one at Cook's, I think I agreed with them. Oh, so not that one. That one's still. So this is another medical. What was this one for then? This one's me. What happened? So I was admitted to the emergency room around a year ago whenever I started spending all this money for mental health stuff. Oh, gosh. Okay. So this is paying for that. I don't see the Cook Children's Hospital thing. Oh.

I don't know. It might be still in here, but it probably is. It's a thick stack. That was a hard one for me to get a statement for, but the Cook's Children is... Well, I'm glad you're still with us. Let me just say that to be very clear. I'm paying for it, though. Yeah, well, I would rather you pay for it and be alive. Okay. If I go... But this $25, and my baby's dad is splitting this with me, so he sends me $12.50 for this.

And then he sends me like, I don't know how much the Coke's one is. I feel like it's in there somewhere, but he's splitting that one with me too. Well, what's the... That's a collections. Oh, collections from university? So I applied and got into Tarleton.

And I was going for like child care education or something. I wanted to do a career change. That one's nearby. It's in Stephenville, Texas. Never heard of that city. That's crazy. Anyways, it's not important, but it's in Texas. That's okay. Okay, go ahead. I reached out to them. I was a late admit. So I admitted like a week and a half into classes starting there.

because I had to make sure my finances were in order to pay. And then two days later, I found out I was pregnant. Oh, yeah. And I reached back out to them. They were like, well, technically the deadline is done. So you're going to have to pay for like 10% of the semester or something. I was like, I literally haven't been to a class. They said, well, let me get back with you. That was the last communication I have via email.

Every once in a while, I wake up in the middle of the night with a deep sweat, just like the fear of a woman getting pregnant. Well, you wrap it, so it's all right. This is scary, though. Yeah. Even those have a 1% chance of failing or something like that. It's like, whoa, it's scary. Yeah, because then you have not this. This is excessive, but I don't think this is because of the kid.

the one medical yeah and then there's also was the other one postpartum yeah related well uh okay so there's so many oh either way you owe 1 300 in this collections yeah i'm paying 100 a month on that oh you haven't agreed upon minimum uh-huh 100 and yeah because it was 2 200 to start okay it just continues oh cook children's okay yeah

So that's for his hospital stay. And this was when I finally reached the deductible on our insurance. $3,264.32 is owed. What's the minimum monthly on this? I don't know for that one. $45? Yep. And that one I split with his dad. Okay.

But that's just part of the incoming money. That's his hope and he always pays. Yep. Loses his job. Don't know. Well, and that goes into the... So, by Mojila. That's my private student loan. So, that's actually a refinance. It was... Love them for high-yield savings accounts. Yeah. Actually, as far as private student loans go, was this a refinance? Mm-hmm. That's why it's a little better. Yeah. Because, yeah. It was way worse. Like, Sally May can be like...

20% of insanity. It split in half. It was like 17, more than half. It was like 17%. And then when I refinanced, they brought it down. Still at 7.25%, I'd want you to pay this off pretty quick because typically student loans, I'm thinking like 4%, 5%, anything above that range we want to pay off. So when you're competing against the stock market, just average return of 8%, it's right there. We'd still want to pay this off just like any other debt.

$7,027.42. The minimum monthly payment of $170.45. Yeah, these minimums are stacking now. Yep. These minimums are stacking now. Is that all the debts? Pretty sure. No. Are my federal student loans in there? No. Are you sure? Yeah. Let me pull them up. I may have lost them because they are in our tracking. So I do have $9,924. Yep. Yep.

And I was not paying those. Okay. And I didn't realize that I had to start paying them back. Okay. I mean, they sent like a thousand emails and phone calls, but sure. So they had my old email and they had my old address. So I actually didn't get anything.

I'm sure they sent it, but I didn't actually receive it. Okay, well, they made calls too and just, again, emails. So whatever. Either way, what's the minimum monthly? I believe it's about $75. Okay. So with that, luckily, they haven't done any garnished wages and it's not hurting your credit because there's a grace period until this fall.

Well, I checked it. I checked it. And it says on there that like, if I don't pay this month, then this might be the end of the race. This is the, this is the end. Like this. Okay. Or last month was still been accruing. Okay. So just take your payments, dude.

And then we have a PayPal account. What are we doing? Starbies. Some in-app Google thing and Starbies and Wingstop and Starbies and Starbies and Starbies and Epic Games, Apple services, Starbies, Apple services, Apple services, Uber Eats. You can afford Uber Eats. You're not putting anything extra towards your debt. You weren't even paying your student loans. We're getting Uber Eats. What a joke. Uber Eats. Oh, there's the ring. Etsy. Starbucks.

Yeah, it's not a we're dropping our kid off and I'm running late to a meeting. No, this is every day at this point or at least every other day. So it's not just that I was running late for a meeting so I stopped. You're endlessly doing it.

Yeah, I have a coffee problem. Then make it at home and chug a pot. Yeah, I have a Keurig. Cool. And I have looked at it on the top of my shelf every day. And I'm like, just get syrups. Get the sugar. Get the milks. Get what you need to do. I love summer moon coffee.

I love summer moon coffee. I don't love summer moon. Well, that's fine. But I love summer moon coffee because I love the moon milk. But instead of always having to get summer moon for every single coffee, I just go and get their damn moon milk. And I put it in my coffee every morning. Okay? Gotcha. Okay. And also, Starbucks coffee, just get the beans, the same beans they have. They also have the Starbucks pods. So I get cold brew with the chocolate cold foam.

Like, that's my go-to is the chocolate cold foam cold brew. Well, fucking stop. You can't afford it. You have a kid. You're not doing anything. Just fucking. Again, you just seemed so aware of your situation, but you're just like, yeah, but coffee and a car I like. It's more important. It's stupid. It doesn't make sense. Chicken Express, Panda Express, Car Wash, our super nice car that we love. McDonald's, Chicken Express. Some tattoo. Yep, there it is.

That was to finish this one. Sonic Drive. Great. Glad it's done. What is that? She lobbed from Lord of the Rings? What is it? Sonic. Taco Bueno. Starbucks. Apple. Uber Eats. More Apple. Your in-app purchases or subscriptions are endless. There's more. Or a ring. Uber Eats and Etsy. Oh, some of these are repeats from the PayPal. Yeah, so I put the PayPal so you would know what it was because I didn't know it highlighted it on there. And you're paying for Discord.

- It's a little stupid. - Yeah, Nitro for my friend's server. - Great, have them pay for it. I don't want. - It's just a boost it. - For what? - There's no real reason for that. I can definitely cancel that. - Cancel it, you can't afford to live. Then 3,630 in our 401k, cool. - So the Aura Ring that, did I mention that? That the, it has a subscription. Yeah, we talked about that. That was what was on there, the additional Aura. - I know. Stop and wear your watch.

Doesn't cost a subscription. You're already paying the minimum payment. Sell that thing. Cancel the subscription. Can't afford it. You're being done with the money. Again, you're aware. So just stop.

Your spending categories, your debt payments are not only $863.02 or only 14.9% of your spending. Housing is 25.9% of your spending or $1,502. $697 with the transportation or 12%. 2.9% with the necessary food, $167. Only $167 in necessary food. Are you f***ing kidding me? $334.

in 76 cents went to bulls**t food. Also 5.8%, 10.6% went to unknown shopping, typically Amazon, Walmart, in-app Apple kind of crap. We don't remember that one, but it's usually bulls**t.

That's 10.6% of your spending or $612.78. Medical healthcare, $166.80 or 2.9% of your spending. Savings, 1.9% of your spending or $110. Subscriptions, 0.3% of your spending. It's probably just the aura. 6.1% or 356. Miscellaneous bullshit. It just does not matter. It does not improve your life in any way whatsoever. 16.8% or $977.95 with the other large purchases.

His other large purchases were Zelling out $963 to who? To who? Then a CPR certification. So the... That was only $15. The rest was Zell. What the f*** are you Zelling? Childcare. So that... You said he pays half and you said it was only... Well, at the time of these statements, it was... So... I'm trying to do the math. So $213 of that would be...

car insurance. My dad, it's under him. So I pay him for it and I just sell him my cut of the car insurance. And then the rest of it would be childcare because we were just going through babysitter at that point. 12 debts. Let's do your budget.

And none of this matters if you don't sit down and actually go through the program. But also just sit down on a monthly basis and go through your previous month. See what you spent on according to and versus what you needed to do for your budget and readjust for the next month. You need to sit down, spend hours on this. You don't make bad money. You just put yourself in so much debt for the stupidest reasons besides the student loans, but for the stupidest reasons and besides the medical.

Well, and I feel like I'm at a point now where even if I cut out all the Starbucks, the minimums are so high on all that. You have to cut out the Starbucks because you're...

Those bill... That money, $300 that went to Starbucks basically could be making progress towards it. Yeah. Even if you feel slow, it's still progress. It's better than no progress. I never went grocery shopping or anything like that. I used to not have any debts and just make good money and just...

Eat out every day and it didn't matter because I made enough money to do that like during COVID. Well, guess what? Adapt, girl. The world has changed. I've never adapted back to that. Well, time to. Total income. How much was it? We saw it. $4,000 something. $4,628, which is great.

Well, and that doesn't include like... I have DoorDash and Uber Eats, like to dash and to drive. So like... Well, again, you're just... Again, I don't think it was an income issue. It's your fucking spending is ridiculous. But let's find out. I'm doing your thing. What's your rent? After fees, $14.50. Utilities? Electric averages $1.50. Okay. Water is included in the rent. Internet? Internet is $72.00.

okay uh insurance is 15 a month gas room drive drive um 80 a month maybe 90 i'll do 80 okay car insurance that you give to your dad right yeah how much 213 okay i did try to see like how much it would cost to do it myself and it was going to be like over 300 give him for the phone bill no he does that okay when you need to take care of your phone bill do uh

helium they use t-mobile towers it's 20 bucks a month it's good that's cheap but we get to do nothing for the phone bill right now which is also good tp fun anything you and the kid need to survive 150 bucks just extra extra this is like if he needs an extra pair of whatever you know necessary food you and the kid should be able to do should be able to do 500 a month well and i don't even think i spend 500 a month

You don't because you eat out and you go and you Uber Eats. But this is what you can do. And no, it shouldn't. I think it should be less than that because he takes care of half when the kid is with him. Yeah, exactly. So I really, I'm going to, no, I'm going to do 500 though. Medical, medical ongoing, not those debts, but medical. Is there therapy, anything? Gym? No. Okay. No subscriptions. Sell that. So I do have, I do have subscriptions. No, you're canceling them.

Okay. Yeah, there's no subscriptions in your budget. What? But... What? The only subscription that I do have is YouTube Premium. Okay, cancel it. But I split it, like, with my family so that we can all have it. Okay, now they're painful. Because for one...

Let's see how much you have in your budget. Okay. Sometimes I can give a little bit of fun. I watch a lot of YouTube. That's great. But the fact that your debt minimum with the payments are almost half of your entire income, it's making me a little hard. No, it's making it hard to... Oh, shut up, Noah. To give any fun spending. Because my kid watches a lot of Miss Rachel. I don't know if you know who she is. Nope, I'm not a kid. Oh.

Well, she's on YouTube. And I think if he had to pause for an ad, he would flip his shit. That's great. But after all your minimums, you literally only have $100 left over. So that's what happens when you f*** it all up.

That I did right now if you guys use my moomoo link in the description below you can literally get 8% on your money That's sitting in there for three months. It's absolutely Incredible plus you'll get 15 free stocks just for signing up with my link. This is literally free money So make sure you're taking advantage of it out There is no reason not to sign up now link in the description below and I don't think any of these are

We know that for a fact? I think so. For sure. Are you saying that YouTube kids don't have commercials? I don't know that. Like, if you make, like, a YouTube kids account? I'm... That's what he's saying. I'm sorry. It says YouTube kids has limited ads. Limited ads. Been led astray. Noah GPT.

Oh, but wait, what comes in on a monthly basis from the ex? So he's... I didn't put childcare. How much do you have to put towards the daycare? So now, starting next week, it's $216 every other week.

and then total for whenever he's with me so just so okay so 216 and then every other week every other week and how many weeks a month okay okay technically there's some pay periods where like it's three weeks i got you about 432 on average okay 432 plus his max is 190 so it's 216 so there's 26 extra dollars a month that i would need to pay wait what during his wait wait i'm sorry

So it's $2.16 a week for it. His max is $1.90. Whose max? My baby's father. Oh. His max is $1.90. Why? That's his budget. Oh, according to him? Yeah. Is that an option? Doing $1.90? Not for, like, realistically. Like, we have to pay $2.16. Oh, I know. Is it an option for him to say he can't pay more? Oh, I mean, his other option would be... What do you have to pay on a minimum monthly basis towards this so I can put it in your budget? Uh...

$216 plus $50. So $216 twice plus $50. $482. Yeah. Is that before he gives you any money or is that after? Like the total income, that's without. This doesn't have the money. The $482. Yeah, that's not including what he... What he gives you. What he pays. I'm talking about giving you specifically because there was a whole mix if he gives you this for this and this and this and this. Mm-hmm.

Is this before he gives you any money or after? Before. Okay. So $482 comes out of your account. Uh-huh. And then he gives you money. Yeah. So the $482 is... I'm sorry. The $482 is... How much does he give you on a monthly basis for everything? I don't need to break down just for everything. $450 to $500 a month. How do you determine that extra $50? There are some months...

Where he pays like a little bit more depending on if it's one of those pay periods where there's like three weeks and... Okay. Congratulations. We have even less money to play with now on a monthly basis. $5,078 is what comes in after everything. What comes out minimum is $5,011. $67. After everything with your strong income...

And now it makes sense. And now you're forcing it to be an income problem. That's not what got us there. You just kept spending all your money and you've racked up your debts, tattoos and down payments on cars and all this bullshit. The car was like such a...

Such a dumb purchase. Yes. But there's no like getting out of it now. Well, technically there is. We could save $6,000 by borrowing the difference of $9,000 plus an additional $10,000. Getting a $10,000 car with that personal loan and then using $9,000 of it to make the difference in between selling your car and what you still owe on it. So technically we could save $7,000 there in debt.

I don't think that's the make or break for our whole situation. Plus your minimum monthly payments would go up because personal loans aren't as kind with payment lengths, even though it would be less debt. Well, and one thing too, with the credit cards, so my dad offered, it's in discussion, to like pay them.

Like how? What do you mean? Totally? Just pay them. But I would pay him back. So he would just pay them off completely and drop. Yeah, I think it's like $16,000. Listen, I'm not opposed to that in concept. The thing is, it's almost kind of like a debt consolidation. You're not fixing the behavior before you do that. So like you'll rack them up just again. Well, I'm not using them.

Like the, other than the Apple card. Oh, other than one of the credit cards that had an insanely high balance and terrible interest. Well, and so what are you talking about? So my PayPal was connected to my Apple, but I've switched that. Hold your dad.

He's 59 and a half. Okay. So he's at retirement age. It's when you can pull from your tax advantage accounts. Yes. Penalty free. And you're going to be taking his money to pay this off. You might build the debt rate back up because you didn't address your behavior before paying for it. See, I don't think it's the ultimate helpful. Sure. I'm down for it. I'm down for anyone helping however they want to help. You didn't fix your issue that got you there in the first place. So I don't think that really helps.

Yes, it helps you from a monthly payment basis, which is why I'm like, yeah, maybe we should do it. But I would only do it if you literally close all your accounts so that you don't have access to them. I'm willing to do that. Yeah, I think it only works. But it's... And you're getting a bailout and I know you have to pay it off, but you need to close your accounts if you do that. It's the only way where I'll accept that from my point of view because you cannot have access to it. You did not address your overall issues.

Yeah, again, get the Fizz card. You can build your credit that way. Can you use... So, like, let's say you go to a hotel and you know how they're like, you need to put a credit card for, like, the incidentals or whatever. Can you use that? Yes. Okay. It acts just like a credit card, but it's like a charge card. You have to pay it off every month. It's forced. Okay. I don't know what that... Like, what do they do if you don't have the money? You get... Fun. More consequences than just seeing interest accrued. But I don't know, like, that was one thing that was...

We're discussing in that, like, he would still charge interest, but it's financially smart for him to do that. It just wouldn't be 30%. I don't know, like 10%. And would there be a minimum through payment? What I can pay minimum, which is closer to $400 in my head for the credit cards. Because I think my minimums right now are around $300. Or, I'm sorry, $600. Would that be the affirms as well? No. Just the credit cards? Well, in one of those affirms, like I said, one of those...

My ex is paying off. I know. Well, I asked you how much he gives you and we put that in the calculation. Yeah. But no, he wouldn't pay those off as well. Just the credit cards themselves. Okay. Yeah. Your debt minimum credit minimum payments are 337. So this would give you an extra 250 to $300 left on a monthly basis to try to tackle your debt. Only do it if you close your cards. Only do it if you're willing to close your cards. Okay. I don't even know like how...

Contact the bank. They'll fight you. That sounds great. Ring them. Call them up. All of these are battle with the banks. Listen, do that and pay off that high interest of firm. Maybe minimum on the medical until they're paid off.

minimum on the federal student loans until they're paid off then i would pay the um mojila student loans off as quick as you can minimum on the zero percent of firm that the x is taking care of tells paid off the debt that's what we start going hard on i you you throw even if okay you have an extra what did i say 400 bucks a month yeah if we pay off the credit cards and i did put i put 200 on the aura ring

So that's down to $162,000. The car with your additional penalty payment, it still takes three years to pay off the car, throwing all that extra towards it, plus the minimum. But I think the total would be less. I think the total now with interest for five years is like $60,000 or something like that. No, I don't think it's the worst idea. But take that extra money. Don't put it to Starbase. Throw it towards the debts. And again, what are the debts? The Mojila, the high interest or firm? No.

And the car. Those are the ones we throw it to. I think the medical are minimum until they're paid off unless you start finding yourself having extra money towards the end. Federal student loans probably minimum. And then same with the 0% of mattress, which he's already taking care of your ex. And then so after those three bad debts that we talk about, then start paying your dad back. Then get a fully funded emergency fund. That's the order I'd go about it. It doesn't work if you don't change your behavior because you can still spend from your checking.

So if you're going to Starbee's every day, that extra $300 would just be eaten away. I mean, again, you spent $300. Going over $300, like going out to eat and getting Starbucks. So all that extra money that you'd have left over because of this new situation, it vanishes in the way that you're doing it. So just make coffee from home, grind up the nasty Starbucks beans, the overly bitter, completely destroyed and burnt Starbucks beans, and

um just you know you know that that's what i would do it's gonna take a long time still but that is an okay out now of course you can speed it up by you know obviously get a raise you know get you know an annual cost of living raise hopefully a little more than that uh pick up a side job when you can i've thought about getting a side job but the schedule that i have right now with my kid is like one week on one week off oh yeah okay so it's what about the parents can they babysit

They live like 45 minutes away from me. Okay. Can you get a job in their area? I could see. A coffee shop job. I have. Imagine a coffee shop job in their area. You drive 45 minutes, drop off the kid two days a week, two days a week. You work five hours, pick up the kid, go back home. Okay. That's 10 hours a week.

I don't know what it is in Dallas. This isn't like cold, like stone hard research, like airproof. But I was comparing. I sweeped the internet for the lowest paying jobs in Austin, like the lowest paying job openings in Austin. And the median, like real minimum wage in Austin is $18. I don't know what it is in Dallas, but let's say it's $15.

That's an extra almost $8,000 a year. You know, an extra $650. An extra $650 a month. That accelerates your process dramatically. Years difference. Years difference. So yeah, two shifts a week, five hours. What? So that's why I started doing like the DoorDash and Uber Eats thing. I know, but does it make sense in your situation with your car and everything?

I mean, it's a new car. I'm going to drive it. During the pandemic, Uber Eats people were making a lot of money. Well, that's when I started it. But it's gotten back to where it kind of was before. You're making probably an average of what? Another $15 an hour, right? $15, $16, yeah. Yeah, but is that before gas and maintenance and depreciation on your car or after? Before. Okay, so yeah, just go get a $15 an hour job. So I applied though. Not to a ton. I'm not going to say I was applying like I'm jobless. So you just answered your question.

you just said not a ton so there you go apply to a ton yeah i can do that there you go i just usually get shut down at the schedule because they're like oh we want you every weekend but i can't like even if i why your parents can't babysit not for long hours like that no five hours listen what if it's even like they stay at the grandparents house one evening you work one overnight shift on a weekend somewhere

I'm not saying this is perfect. I'm not saying that's the easiest job to get. I'm just, there are solutions out there. But if we just say it's impossible, then it'll never happen. I mean, it's because if you come from that point of view, then it'll literally never happen. Yeah.

You got to work to find it and apply. It's not everything in this conversation. Because this, what is this? An hour, hour and a half conversations? Everything's always easier said than done. Or else you never get anywhere in these type of conversations. But if you don't put the work in, you're never going to get it. If you just say that it's impossible, then it is impossible because you've allowed it to be. So, I don't know. What jobs are there that are like one or two days a week overnight? Um...

I bet you could get something at Walmart overnight stocking shelves. McDonald's. You never know. They open. When it comes to Jimmy John's, Jimmy John's, they allow you to sign up per four month or six month intervals. And you literally sign in the sheet, the slot that you take every week. And if you just take one, you can do that if you want.

At least in the Jimmy John's I worked for. I don't know how they do it down here. But like there are examples. Again, you just got to put in the work. Do a little bit of research. Yeah. Where do you like just go? Do you just like go to their websites? For what? Like for stuff like.

Looking for jobs. Job openings typically or go talk to a manager, call up. A lot of the service based industry jobs are the ones that they have that high demand still. There's millions and millions of job openings in the United States now. Unemployment did just hit 4%, but there are still millions of open positions. They're typically service based jobs. And those are the ones we're talking about. So, yeah, just talk to the managers. They need to fill positions. They need to.

spending in a budget i mean starbies every day at least you're making your minimum monthly payments spending but it still wasn't obviously good because you should be putting more than your minimums but i'll give that a 2 out of 10 debt there is something in collections so that immediately brings it down to a 0 out of 10 that sucks emergency fund there's nothing to saving 0 out of 10 retirement it's gonna be a 3 out of 10 for your age real estate 0 out of 10 so compared to the one you took online it's gonna be a little different it's gonna be a 0.5 wait actually did i do that math wrong

No, it's going to be a one out of 10, one out of 10, because I think your retirement carries a little bit of weight for your age. Nice.

Make sure to check out all the resources linked in the description below as they are what I use or would use in specific situations, including the best budgeting program in the history of the Internet and the best investing program in the history of the Internet, where you get a free hundred dollars into your investing account when you sign up. Now stick around for the financial audit post show today on the financial audit post show. Mr. Hammer, how's your pullout game? Oh, no, you tease that up. You tease that we have to deliver on the promises that we made.

Are you sure? Yeah. You guys are lucky you're subscribers. I think you're open enough about your finances that if you did happen to have a baby out there, that they would be coming for child support. That is 100%. To watch the Financial Audit Post Show, click the Join button below.