Professional Victim Is Pathetic | Financial Audit 01:28:09

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What do you do in Lake Mary for a living? Well, I work at home as a sales and solution specialist for Walt Disney World. Oh, you work from home? From home, yes. Okay, you don't work... Okay. I work from home. As a sales and sales? Sales and solution specialist. Sales and solution specialist. It's a fancy term for customer service. Oh, sure. What are we making? $19.95 an hour, so I think it puts me at $37,000. Living at home...

Wait, working out. Okay. When people say home, especially when we're talking 21, does that mean we're living with the parents? I live with my girlfriend's parents right now. Oh, okay. So not your parents. Okay. All right. So 1995? Yes. What do you think comes in on a monthly basis on average from that hits your account? About 600 a week. So that times for 2,400 after tax. So I actually had payroll of 3,647. Oh, wow.

Okay. I've been doing overtime as well. We do mandatory overtime. Mandatory overtime. It's mandatory. How many hours are you working? It was eight hours mandatory for one week and then 10 for another. So 50 hour weeks. Guess it's a way to make money. What do you think your average is? Is 3,647 on the high end? I would say that's pretty high. I'd say my average is more like 2,800. Okay. All right. So...

what is going on here because obviously we have a mess as most cases with this show so i want to know what is going on yeah so my mom kind of the root of my relationship with money i kind of have like a idea that it's not real what yeah like i'm very spiritual mom can't tell my mom is too and so we're just kind of like money comes back to us whatever we spend it comes back and

tenfold. Okay, well that's not how capitalism works. It's not, but it's been working for me now. Has it? Has it? I've seen your statements. It's a mindset. That's going to be an interesting thing. It's a mindset. Brandon, keep track of that clip. I think I'm going to have you bring that one back. And what do you mean you got it from your mom? So you mean your mom just taught you that this is not important? Yeah, money to her, it's not a thing. She's overdrafting her accounts all the time. So are you. Yes.

Because of me going with her to the ATM, she would tell me, oh, if you have a credit union, you could just take this out and you'll pay it back on your next paycheck. So I went into like a whole cycle of doing that for a little bit. And she doesn't pay her bills anymore.

And what's her situation right now? She has no job. And I have younger siblings as well. How the f***? Yeah. So how's she living? They're behind on mortgage, behind on cars. So they're going to lose the home. They're going to lose the cars. Yeah. We're kind of removed from ourselves. And you look up to that. That is what you're like, oh, that right there. That's what I want? I wouldn't say I look up to it, but I feel like I've been accustomed to it. It seems like the perfect learning lesson, though. Yeah.

Like, I'm not going to throw anyone under the bus because they're doing well now, especially, and I'm very happy for them. But I grew up in a really bad financial situation. And that gave me the, you know, really strong desire, always entrepreneurial, always wanting to, you know, make something for myself and be successful and build stuff that are successful because coming from a place where, you know, we were raised very much lower middle class when I was born. If that that's even being lucky.

Yeah. So why you seen everything go to shit, cars get repoed, foreclosure notices on house. How does that not put a fire under your ass and be like, never again, never again? I think my problem is I'm so self-aware of the issue, but I don't know how to turn it around. What does that mean? I think it's a generational curse. Curse? So it's inflicted by the world, not by yourself? See, if you immediately don't take...

responsibility for our own situations what are we ever going to do to get out of it what sacrifices are we ever going to make if we just think that it's ordained you know manifested away well obviously you know that's not it's been working a little bit no it hasn't no it hasn't i have this sorry they don't they don't know your situation so they're like what's he freaking out about that's the dumbest thing i've ever had with any knowledge going into this but

Why don't you manifest a score for me real quick from zero to 10? Zero being the worst finances, 10 being the best finances. What do you think your situation is self-assessed? Self-assessed. Probably a four. Explain. Oh, I don't think. And stop hitting the table. I think I'm not bad off for my age. I don't think I have a lot of debt.

I haven't missed payments until recently. That's all that matters. I know. I didn't realize how bad it dropped you. Do you think most people your age do not pay their credit card bills? No. Question, do you think most people their age are overdrafted on every single account? It's not every account. It's just the one. But no. Question, do you think every people your age are taking pay advances, little micro payday loans? No. So you think you're doing well for your age? For my situation, yes. Okay.

How? How? How? I literally just round of... I just gave a big old spoiler alert of your entire situation and that's... Yeah, like for how I grew up, I mean, it could be worse. I haven't had any repossessions. Okay. I make it work with what I got and I'm pretty much alone in everything. I don't have family. I thought you said you live with your girlfriend's parents. Yeah. Stop being alone. Yeah.

It's not alone and I appreciate them a lot, but it's not the same as your own family. Sure, but you also have a girlfriend, right? Yeah. Okay. She's not helping much finance. Now, people that come from poorer places, obviously, they do have a harder time getting up the ladder. That is absolutely true. Yeah. Do you think your behavior, though, do you think, self-assess, it's that or your behavior right now that is playing the primary cause? Yeah, I think I'm a little impulsive and I reflect on it later. Which one is it?

I think it's both. Is it because you grew up poor or because... It's both. Is it? And trying to get out of that mindset, but then... Yeah, miscellaneous bullshit spent about a thousand bucks. Fun fact, math, additions. Oh my gosh. So is it because you were raised poor or is it because of your behavior? I guess it's a little bit of my behavior. A little bit. Yes, like 25%.

25% of my debt is from my behavior. The rest is, I think, situational. That... Like, circumstances that happen to me. Yeah, circumstances that are beyond your control. Yeah. Completely. Not completely. There's nothing you could have ever done. Listen, I have... I have...

It's not that I don't have sympathy. It's just immediately when people try to say it's everything outside of me, that immediately makes me concerned because when I, okay, I know your situation, so let's go into it so that they have more context. Yeah. Gotta remember it's not just a conversation between me and you. I have to remember that there are people right there. There are people right there.

And thank you for being here. If you watch your Amber Financial Scores free, link in the description below and make sure to check our investing and budgeting course while you're there, which we give you access to for free as well. Great. So hopefully that'll help. Give it to your parents and stuff as well. It sounds like they need it. Okay. So let's just start with one card. The Capital One card specifically. Yeah. Forgot about that one. What do you mean you forgot about it? It closed. So I've just pretended it wasn't there.

Yeah, close, because they cannot have you spend any more money on it. Because fun fact, fun fact, $300 is the credit limit. What do you think you're at? I haven't looked. What do you think you're at? $300 is the credit limit. What do you think you're at? $375. $413. I don't even know the last time I paid that. Why? So my question is why? Why didn't you at least make the minimum monthly payments like a semi-responsible adult? I...

I didn't remember it was there when I got it. Auto pay. When I got a new phone, all my apps were deleted and I never set it up. What do you mean? What do you mean? What phone did you switch to and from? I switched to the same phone, but I had to get a replacement. What phone was it? The 13. So iPhone. Yeah, iPhone. The apps come automatically downloaded. Yeah, but you have to like tap it for it to come back. And because I can't use the card, I just did it.

redownload the app why didn't you have it on autopay and also that's like the worst excuse i've ever heard in my life but either way why don't you have the autopay i literally i don't even know why i don't like to have money taken out of my account i like to be but it's not your money it's not but i like to be in control of when i want to spend my money and on what and i don't like autopay oh i know you like to spend your money yeah we'll get there

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And yeah, it's closed anyway, so I didn't see like a benefit. You want to know a benefit? Right now you're getting charged $40 in fees. $9.86 in interest. Oh my gosh. I just did not realize that one was that bad. There is past due fee $40 and you're going to get slammed these every month and you have $170 this year so far. Oh my gosh. And it's sitting there at a 30.74% interest rate and you're not touching it. You refuse to acknowledge it even exists. Yeah. Yeah.

You're just like, if you don't think about it, it'll go away. To be very clear, you're not a credit card person. Never use a credit card. Are you in school? Yes. Okay. Then just use the Fizz card, dude. It's what I recommend to everyone on the show. If you're obsessed with the credit score thing, it helps you there. Yeah. But you need a charge card that's automatically paid off. You cannot have access to full-on credit. It is not working for you.

Oh, guess what, guys? Spoiler alert. We have a past due. Second account. Let's go in. Let's go in, shall we? A little past due. Let's see. Late charge is $19. Past due amount, $832. Oh, my God. Total amount due, $1,290. First investors. What is this? What even is this? My car financer. My loan. This is your car.

You only had a hundred. Oh, no, I see it. It was. Oh, I read the long line. Kill me now. Yeah. Sorry. I'm reacting to the debt. Not to you. It's bad. It's bad. But this is insane. This is crazy. What is this car? What is this car? 2018 Honda Civic. I bought it used. How many miles? 12 or 112,000.

Okay. Guess what? How much do you think you owe? Because you don't seem to know that for them. So let's see. What do you think you owe? For that, I think it's like $19,000. Like, it's a lot. $18,000, which is... I just refinanced, too. It was worse. You refinanced. Someone let you, in your credit history refinance, make $33,000 a year net. We have an $18,745... $54 car debt. Okay.

18,734. I don't know what the regular minimum monthly payment is. It's 430. And we're not paying it. You're not paying your bills, dude. You're not paying your damn bills. Why have you chosen not to pay this one? I went on a vacation. See? See? There. See? See? Play the clip, Brandon. Play the clip. Where is she? I think it's a generational curse like that. Curse? Curse? So it's inflicted by the world, not by yourself? Yeah.

See, if you immediately- Obviously, it's you. You! That's you! That's not what the world- The world didn't say you must go on a vacation or we will murder you and your entire family. That's not what the world said! You did that! That was a choice you did! So how is a vacation possibly, possibly more important than your car payment? Let me guess. Well, you work from home. How can you use your car?

I only use it. So I work at home three days a week and then two days in the office. You do have to go to the office. And how far away are you from the office? Like 30 to 40 minutes. Okay. So you need this car to have your job, right? Yeah. And we're choosing a vacation over this, meaning you can lose your job after this gets repoed in a few, you know, in months down the road. How many, how many, how many, how many, how many, where are we in terms of how many mists? How many mists are we at? It's only those two, I think.

Oh, that's a start. That's a start of a cycle. Especially in Shriker. We have no money in our checking account because we decided. What was the vacation? What was the vacation? A big group of us went to Puerto Rico in March. You went to Puerto Rico. You don't get to go to Puerto Rico. But it was fun. That's.

thrilling is it gonna be fun when the car is taken from you and then you can't work and then your insane situation that's already terrible gets worse because you don't have an income because you can't drive to work because our country relies on car infrastructure in order to be able to get to work so that's what you're forced to do but all of a sudden you can't do it because guess what you don't have a car because you didn't make your payments and it's taken by the bank

Then they sell it. What do they sell it for? Well, they probably get it for $6,730 because that's what the car is worth and then you owe the remaining balance. Yeah, that's right. You're underwater by $12,000. $12,000 on this. $12,000. So you can't even sell it and try to do any kind of fancy little maneuvering. And it doesn't work right now.

No, it doesn't work. That's also why I didn't pay last month because it's not been working. But first of all, that's not how debts work. I know. That's not how debts work. I lost my credit card. I don't have to pay it. This is not working. Oh, the little the little chip on it broke. I don't have to pay it. It's not working. Yeah, it's not working. It won't start. So it's sitting at a mechanic because I don't want to pay for that either. What broke?

The ECM, the engine control module. How much does that cost? What is it quoted? $860. $860. So how are you getting to work? I've been using my girlfriend's sister's car. She lives there as well? No, but she had an extra car. So we've been using that because my girlfriend just told her. How long are you allowed to use that before they're like... Her parents are really lax. It's her sister's car. Yeah, but under her parents' name. So they're pretty much lax about it. But I really don't like...

To use her stuff, you know, but I can't afford that. And they offered to pay that too, to get my car fixed. But why'd you say no? I don't want to be indebted to people. Oh, it was going to be a debt. It wasn't going to be a gift. Well, I don't know. I didn't ask further. I just said, no, I'm good. I'll figure it out. But you're not good. Yeah. I like to think I am, but you're not. Yeah. Let's do reality here for a second. We're not manifesting.

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What the f*** do you even mean when you said that at the beginning money just comes around? Money doesn't come around. Money's not coming around. You're not making your payments. This is your second account. This is your second account that is past due. What money is coming around? Because it's not coming. Yeah, well, randomly I got like a $600 check from my past car financer out of nowhere. Wow, $600. That's good. But...

It helps to pay things, you know, and get me out of the negatives at least. So you think all the money that you've spent is coming back to you when you've only gotten $600 randomly? That's just one instance, but yes. You blow $30,000 a year minimum, minimum, minimum. So why has that not gotten back to you? It takes time.

You have to be patient. That's a jet-laggy investment. I mean, I believe in it, and that's what's going to get me through. Okay. Well, you know, that's not how reality works. Belief isn't. If I believe this calculator is going to fly off, rob a bank, give me all the money, and then I can retire, and it's like, yay, yay, yay, happy day. That doesn't mean it's going to happen.

And then if I believe harder, it doesn't mean it's really going to happen. So I have nothing wrong with beliefs. And, you know, especially when we talk about different religions, you don't believe whatever the fuck you want. That's great. But when you get so ignorant to the reality of the world around you that you don't do what's necessary to actually improve your life because your belief is so delusional that it just completely fucks you and keeps you in a position where you're endlessly fucked.

Then what benefit is it? There's no benefit. You're not being benefited. There's no benefit. Well, you just, you don't believe in that. So you could say that. You know why I don't believe in it? Why? Because it's dumb. Okay. Okay. I mean, come on, girl. This is, this is, this is money. This is, this is money. You work to get money. You put it towards the bills.

And that's how this works. You don't dream that the tooth fairy is going to put money under your pillow. They might. You know, I've gotten out of a lot of other from manifesting. I have. I had a collection. I didn't pay a penny. I got it off. You know, what do you mean? Yeah. Collections fall off. That's what happens. Well, it hasn't been seven years.

I'm only 21. Then they've just given up or maybe it's a challenge. No. I disputed it and then it went away. Oh, that's not manifesting. You disputed it. You pushed the dispute button. Yeah, they could have denied it though. Yeah, but that's not because you manifested it. That's because that's how the system works. Okay. Okay. That's not how that works. It's how it works in my world. Your world is the same world we live in. No. This is dangerous that you actually think this way. I know I'm going to get...

on someone's belief but it's dangerous that you think it that way because you're literally relying on that belief to save you and you know relying on that belief to save you has led us to the two things we're looking at right now have missed payments literally two out of two documents have missed payments so is that philosophy working evidence says no reality says no and having that is literally dangerous because i don't want to see you under a bridge i don't want to see you get this car repoed i don't want to see you just die in poverty never being able to retire i don't want to see you

I don't want to see that. You're a human being on this planet. You matter. But there are realities we must face in the economic condition of this United States, the economic structure. You could be against it. Cool. Demonstrate that at the ballot box. But I'm not going to lead you astray in terms of, you know, what to actually do and how to face it and navigate it. And guess what? In capitalism, manifesting isn't one of the tenets of it. It's not one of the pillars. Yeah.

But it. Oh, when I know when I got it too much, it just makes me like sad and feel like a failure. So it's better to be positive. Well, well, not exactly. But sometimes, yes, like I will come to a middle ground with you on that one. Yes, I'm not saying I want you to get overly depressed about your dad because that's also not going to get you out of bed. But I don't want you to sit there and think positive about it either, because that also prevents you from getting out of bed and going to do.

doing the work necessary to get out of it so i don't want you to go to the extremes of any meat uh of either one of those you know yeah so it's it's not about sitting and crying it's also not about sitting like everything's great i'm gonna you know go through a field of flowers

That's not what this is. And you know what? I mean, let's be real about the word failure. It's a hard thing. Right now, because of where you are, the reality is yes, you are a personal financial failure.

But that isn't a death sentence. It's not a stamp that stays around forever. You have the choice to get out of that. And that's okay. Most people that come on this show are personal financial failures. I was a personal financial failure a decade ago, you know, and it lasted for quite a few years until I did what was necessary to actually get out of it. You can be a personal financial success right now. You are a failure. Yeah.

And that is just the reality of the situation because we're not going to coddle. What kind of benefit is it going to do to coddle? I'm not going to lead you to think you're doing great when you're not, but take that and do what is necessary to get out of it. And we'll talk about that by the end of the conversation. You said you refinanced it. What's the rate at, the interest rate? Before I refinanced it was at 27%. I refinance now, I don't even know what it's at. I think 17% or 18%.

Seriously, the rate people would want to refinance from. I know. I just, I really needed a car at the time. Yeah, I get it. So I rushed into it and I should have waited. You definitely got one way more expensive than you could afford. I mean, it was like, when did you get this? It must have been like $20,000 at the time. I got it March last year. My other car, I was almost done paying it off and then I got in an accident. Okay. I got totaled. Insurance? Yeah, I got a payout obviously and I used that to get

a dealership car oh this dealership no and they told me i i wasn't comprehending to start an only fans with how often they're yeah this is crazy essentially i was paying for two cars with my previous loan so i got out of that at least but yeah it's not any better i am considering getting a new car because i don't want to pay the 860 dollars to get the one out of the mechanic oh wait a minute so wait a minute

That doesn't take away your minimum monthly payment from your other car, though. Like, what is it? Voluntary repossession? Like, just give it back. Yeah. Because I mean, I'm under again after that, even like you're still going to owe so much. Like, what are they going to get from it? You know, I haven't thought that far. I just know that I rushed too fast into that car and I just want to get out of it and get a cash car or something to get me out of that loan.

but i don't want my well my credit's already but i don't want it worse i mean you're still gonna have to pay like 13 000 hours after after the repossession volunteer uh so like it's not still helping yeah so are you gonna do a different strategy getting this new car what's just gonna do cash and i mean if i at least pay the car in cash i could keep

I guess paying the minimum payments for the loan if I can't get completely out of it. But the car, I'm like putting in so much money for it. For what? So what kind of car are you looking at? I mean, this is a terrible idea. Like a Toyota, something more reliable. No more Hondas. I know, but my friend was shopping for one similar for the same reasons. They're not going for cheap right now. Yeah. Like it's...

So what are you going to, you're going to take in another 20,000. What's your, what's your, what's your credit score?

It went down after the late payments. Yeah. Severely. I was at 660 before. Now, I'm at like 515. It dropped. If you get qualified for another car loan, even though you're still going to have something, it's going to be at the most predatory interest rate I've ever seen. Yeah. This doesn't make sense. That's the dumbest thing I've ever heard in my life. Please don't do that. Please don't do that. Put the repair in.

But there's a recall on it and then it's going to be... They don't have the part on my car. There's a recall on the fuel pump. So it's another six months until that part comes and I'm just feeling like...

What does the mechanic say about that? The fuel pump's fine right now. Okay. But I've been showing, like, signs of it, kind of. Is that what the mechanic said or is that what you think? That's what my girlfriend's dad said. Okay. But the mechanic only said it's electrical right now, I think. Well, I think I more care about the mechanic. And you have gap insurance, you said? Yeah. I, yeah. I mean, I wouldn't. I don't know. Even with a voluntary possession. I don't know.

I don't know. That's something I wouldn't do, but let's look at the full situation before we decide that officially. Yeah. I mean, pretty clearly, probably not, but we have a Discover card. Please don't have missing on this. Oh, you're not missing. Oh, wait. What is this? Wait a second. $97 minimum monthly payment. I need to look at the next page. $817 balance. Oh, my gosh. The credit line is $750. Yeah.

So you had a negative payment towards you. Oh, because you tried to pay it and it was returned. Probably because you didn't have enough money in your account. Yeah, and I lock my cards too sometimes. Huh? I lock my cards as well. So bills don't come out. No, like my checking account. Oh my gosh. What have you gotten yourself into? I know. You said you're in school. I am. Studying what? Psychology. Okay. Okay.

Well, what do you want to do? I'm assuming it's going to take a master's. I want to just be a counselor for school or like a social worker. I'm in between. So I think it's like a master's. Yeah. So we're thinking more school. Yes. We're thinking more time. Social workers are making more money these days, which is good to see. But even still, that's more time, more debt because I'm like, I want to increase this income. I do have a part time job right now, too.

Well, I'll gift you a certification through course careers. I love them for the tech, but that's up to you. But obviously, I love going down. Go down the path you want to go down. That's great. I mean, it's a good path. It's a lot of school. It's a lot of money. And right now, your income situation, I feel like just an empty account leaving this balance of $856.

Getting $19.81 of interest at a 27.24% interest rate. Having a return payment because there was not enough money in your checking account. Is that your girlfriend? No, but she is the one who got us together. Me and my girlfriend. Okay. Does your girlfriend know how absolutely f*** you are? She's like in the same boat a little bit too. So are you guys enabling each other in that case? Are her parents enabling each other in that case?

I would say we kind of are enabling each other in a way. You know, I'm the one who convinced her to get her first credit card and then she hasn't paid it. So yeah, you're the person to listen to for financial advice because I wanted her to be better than I was. And so and you having a credit card to start building her credit and using it the right way. Charge cards guys charge cards. Yeah, still doesn't help if you don't have enough money in your checking account.

So essentially, in reality, in the end, you manifested her getting credit cards. It wasn't my intent. No, I really did. I had her best interest at heart. It doesn't matter. Does that matter? Does that matter if in the end they're because of a thing you recommended? I mean, I feel bad.

But, I mean, she's her own person. Yeah, but she trusted you, followed your recommendation. Yeah, and she knew the... And you know her. The shit I was in, and she still... And you know her, though. Yeah. Discipline, obviously quite lacking. Mm-hmm. Okay. It probably wasn't the best decision. Feel free to manifest yourself going over to calebhammer.com slash apply if you want to be on the show, by the way.

All right, let's start with the manifestation. We'll see. I don't know. I'll probably meme on it for the rest of the episode because it is a meme. I wouldn't want to live like a meme, but that's your choice. It is your choice. Premier. First Premier. Why is the friend here, not the girlfriend? My girlfriend was working. Good. Needs to. $559 owed on this one. 23 cents. Whoa, what is this? First Premier Bank.

Okay. Credit card of some kind. Credit limit $400. We're over it. $459. I'm not really shocked at this point. Oh, there's fees. I wonder what that is. I don't see a minimum monthly payment being made. Right? Yeah. We're just selling in every way right now. Honestly, I'm disgusted at the debt. I promise I'm not overly disgusted at you. More disgusted by the debt, but it just brings out just the c**t in me.

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There's a monthly fee for this card. Great. And then you had a late fee. Great. You've had $183 this year of fees on this card alone. This card alone. Wow. So we're already at like $400 in fees. And we chose to go on vacation. So again, is it the world or is it you? Is it because how you were raised or is it because of your life choices? You have rent? Are you paying rent to her parents? Yeah. How much? $250. Okay, that's nothing. Yeah. So your overhead's nothing.

Yeah, we have a car payment. We have minimum monthly payments, but you could have paid this. I know. But you chose to go to Puerto Rico. Puerto Rico. To be fair, I did. You had to get a flight to get there. I had the money, though. No, you didn't. I did. No, you didn't. I did. No, you didn't. Okay. That's not how that works because you didn't pay your minimum monthly payments. If you can't pay your required bills, you do not have the money to do it. That number sitting there, that's great, but you have monthly obligations to take care of. Yeah. Yeah.

I thought I was taking care of them. Then I went to the trip and went downhill. March. Kill me. These are the first late payments I've ever had. March is f***ing now. Mm-hmm. Screwed me. And your interest on this card was also $51.98. Yeah.

- One failed payment on, what's the- - That's Klarna. - You have a missed payment on Klarna of all things. - Yeah. - All things that exist, you have a missed payment on Klarna. What's even fully owed? What's the entire balance on your Klarna? - Oh, I don't even know. I think it's only that. - Let me guess, was this Airbnb for Puerto Rico? - No, that was for, I went to a concert the week after. - Where? The week after? And this was just happening? - I went to Atlanta.

And I didn't want to pay it in full, so I put it on. You're living your life like you have no debt and make $60,000 to $70,000 a year. You don't. You're not entitled to it. And now you're reaping the consequences of it. Yeah.

It wasn't a smart choice because I had the cash at the time, but I just didn't want to. No, you didn't. Do we not understand that you didn't? Because you had payments to owe and your double month laid on your car. This was during that time. So you didn't have the money. That's not how math works. That's not how this world works. But again, your take on this world is so beyond ridiculous that I'm not surprised. I don't think it's that crazy. It's crazy. It's crazy.

World views are an interesting thing. I'll just touch on it for a second. World views, economic structures, political structures, they're interesting things because they get to be put into action. Then you compare them against other ones that are put into action. You get to see which ones are successful. Your world view has failed you. We have not had a single payment. What are we on? We're on the fifth account. We've not had a single successful payment under debt. Your world view has failed you.

Possibly. No. How is it possibly? How can you sit against every piece of evidence right in front of you and say possibly? What possibly? I just, I still think it could be like worse. I don't give a shit about what you think. Well,

Yeah, you're right. You're right. You could be living under a bridge. You could. Does that make your situation good? Does that make it tolerable? Just because there is always worse out there, the earth could blow up tomorrow and that's worse. Does that mean this is good? It doesn't. I'll never understand that because it can be worse. This is okay. This is why I dig so hard into people because people have that mindset, which is so beyond dangerous. This situation is absolutely f***ing

And just because there are some people who have it worse does not mean that this is okay and that this is how you should be living your life and that this is good for you or your future. You're acting like you don't matter. You're acting like your life doesn't matter through your actions. What's your future with your girlfriend? Proposal? Marriage? Kids?

What do we want? Do we want to live on our own? Yeah. Well, guess what? None of that is happening with this. If you care about your future with her, if you care about what you want, whatever you want, whatever goals you have, you're not getting there with this. I want you to get to your goals. Goals are fun. Goals are important. You don't get there with this. You don't get there with your worldview either because your worldview has landed you here. Yeah. Sorry. It's okay. Okay.

It's a lot. It is a lot. It is a lot. And it's not that I want anyone to cry, but I am happy to see you have some emotion behind this because it means at least for the first time that I can see in this conversation, you are actually seeing the weight of this versus just like, oh, it's okay. And money will just come back to me.

You see the weight of this, and it is a totally natural human response. I had many nights like that when I was in just as bad of a situation and had to fix it. There are tissues right there. No, thank you. It's okay. And we can take a moment, but this is totally okay. All right. Okay. Well, either way, you're okay. I promise. As just like a person feeling this, it is natural. It is okay. Okay.

So don't be embarrassed or ashamed or whatever that it's totally chill. And I think it is important that you feel the weight. I just try to stay positive. And I think that's what's holding me back. Honestly, not seeing for it for what it is. Yeah. Again, positivity is not a bad thing, but if it blinds us from reality, that's where it starts becoming dangerous. What are some of those goals?

I would like to marry my girlfriend, but we're both so far in debt, like, it wouldn't benefit any of us right now. And so that's kind of put on the back burner for a couple years. And we do want to get our own place this year. We were looking at buying a house, but my credit really got bad, so...

This year you're considering buying a house? I was doing really good. But you're not done with school. But my school's paid for by my job now. Yeah, but isn't it... How many hours a week is school? Because it takes time away and then you still need to go to grad school for what you want to do. Yeah, I do online right now. Okay. So it takes maybe like 10 hours a week for me to like study and... And what does she do for a living? She's an employee, dispensary associate, and...

The Puerto Rico trip, it was supposed to be like spring break thing. Me and my girlfriend had an agreement. I was going to pay for everything pre-arrival. So the B&B, the flights. Your finance Airbnb. Well, that was for Atlanta. I did cover the Airbnb. Sorry. And then she would cover the things once we got there, like food, excursions. For the week of, she didn't have any money. And so...

I like took cash advances out because it was like too late to cancel it felt like so I definitely went a little crazy and it put me really far behind because I actually thought I was doing good before granted but now okay so I have been put in a tunnel and I don't know how to say no to her she's my girlfriend sure has she paid you back for those

Has there been conversations around that? Yeah. And? I just, I'm a firm believer. If you don't have it, I mean, she can't pull it out of her ass, you know? Well, you didn't have it either. Yeah. And she kind of can if she works more hours and gets a second job. How many hours a week does she work? Like 15 to 20. I know. I feel like I'm... I'm... I'm...

Yeah, I took a second job to help cover those things too. Okay, she can pull it out of her ass. It's called getting her ass in a fucking job. Yeah, I just don't want her to be stressed. But does she spend the rest of the day smoking her own product or something?

No, I wouldn't say that. But, you know, mental health is real. And she. Mental health is real. A lot of people have mental health issues and they live in this world. I like I. OK, so mental health is real. Let's be very clear. And people should get help. I there is a big tendency these days of people to be like just immediately when it comes to any responsibilities in life to be mental health. And then that's just like the end of the conversation because no one's willing to challenge it.

I will accept it with medical diagnosis. I will accept it with many things. And if people are going and trying to receive help many times. Yeah. What mental health things that have been diagnosed are there that is preventing her from going and getting a job or even working from home in a customer service job? Nothing. There it is. Okay. Yeah, nothing. If anything, I have mental health. And I do too. Diagnosis. I do too. So it goes hand in hand. But no, she's.

Just gets into slumps, I guess. And so... Slumps are okay. Slumps happen. Yeah, the pressure gets put kind of more on me. Well, yeah, she's not taking any pressure. What pressure does she have? She lives under her parents' roof. She works 15 hours a week. She has no pressure. It's basically the easiest life that's ever been lived. Then her girlfriend takes care of everything. Okay. Obviously, you know, you guys enjoy each other, love each other, all that good stuff. Yay. Um...

Everything being put on you and your finances and all that. Don't get me wrong. You're not doing them right. But let's just, you know, for a second. Her putting that all on you is not indicative of a long lasting relationship, especially a marriage. Yeah. Well, we've been together six years now. Okay. And how long? How many times have you guys been independent together?

uh i probably i didn't realize the extent of her spending problems in mind until we moved together which was i didn't realize how impulsive we are two years ago 2022 i've been living there for two years her mom just started charging us rent because it's been so long that's when i realized that we have a problem with each other and spending money and you two go on trips a lot

We did Vegas last year for my birthday. Yeah. Went to Georgia a few times. We're going on a trip this month. This doesn't make sense. She works for... What? Yeah. No, you're not. To where? D.C. No, you're going with your friend? Listen, I don't know who you are. I don't know your finances. That's not what this conversation was about. Usually I tell them that they need to say this to their friend, but since you're sitting right over there, she can't afford it. She can't go. She can't. What's been paid so far?

I just paid the B&B. It's coming out of my checking tomorrow. The rest of it. The rest of it? What do you mean the rest of it? They had like a pay a deposit and then you pay the rest tomorrow. Okay, you might lose your deposit. She can't go. She literally has no money in her checking account and she has not made a single payment. She's behind on her last Airbnb and she's trying to get an Airbnb now. She can't go. This is just being an adult for the first time ever. It's for a friend's birthday. I don't give a shit. They'll have more.

Do they have a birthday next year? As of now, yes. Okay. But you never know. Cool. Well, if they don't, guess what? They won't know that you're not at their birthday because they're dead. So, like, it doesn't matter. They won't know. Oh, my God. It'll be sad for you, but, like... Yeah, I guess. I mean, what would your friend care about more? Like, selfishly making her friend go more into debt to see her? Or her friend actually starting to live a decent life for the first time in their entire life? Yeah.

And changing like their literal entire family tree because they come from a place of complete failure financials. Financially speaking, this is only finances. I don't know the rest of their life. Financial failures to herself being a financial failure. But she's turning around for the first time. What would she rather see? Your friend. A lot of them don't even know my situation. What would they rather see? Probably just me to be stable. Interesting. Yeah. She can't go. You can't go. I have. I may as well end this conversation now if you're not willing to literally sacrifice one thing.

Okay. You need to not go. Lose your security deposit. Cancel the payment. Shut your checking account down like you do if you need to, if that's what needs to be done. Yeah. Okay. It's a hard ask. I'm sorry. It is a hard ask. I know. I'm like trying to better myself. Believe it or not, sacrifices are sacrifices because they're hard. It's like you can stop the easy things all day. I'm talking about sacrifices. You actually need to make choices for the first time ever. Ever. Ever.

And no more trips after that until you're out of debt and making your minimum monthly payments at a minimum and have a fully federal emergency fund. At a minimum, do you have anything in retirement? I do. I have a Roth IRA. Oh, that's right. You have $1,000 in there. Yeah. Okay. I remember. It's something. Yeah. So we're looking to move out, me and my girlfriend. Because they're charging you rent now? Not just because they're charging us rent, but I just feel like we're ready to take the next step. Yeah.

I want more independence. I don't want to live with parents. Independence? Buddy, in what world can you have independence? You can't. Buddy, you live under dependence right now and you can't even literally pay your bills. You're going to get evicted in two months if you get rent. I was thinking I just take more hours like at work. Yeah, you need to take more hours to pay off your debt right now. Well, how much rent are you looking at? Like $1,600. $1,600.

That's like on the low end in Florida. Yeah. And guess what? You can't do it. It's a simple, it comes down to the same thing with this other trip. You can't do it. You're not paying. There's not a single bill we've looked at that you've paid. Not one. You haven't paid one bill here. Hmm.

What makes you think you can pay rent if you're not paying a minimum $30 credit card payment? I think it's just like fire under your ass. Like, if you don't have it by the first, you're getting evicted. And like, I work better under pressure. So I think I would get my hours and I'd make it work. And we'd make it happen. Friend off camera, are you willing to stab her in two months if she doesn't pay off the debt here? Is that enough of a fire under your ass? Will you stab her or something? She would do it too. Or just a big slap? Or just like...

Like, big punch? I don't know. What's something? What's a consequence to you? What's something that's bad? Take away all her girlfriend's... Oh, my God. No Southern Nights. That's a club we go to. If that's what you need, if you need some, like, end thing that's going to be absolutely destructive to you unless you get your shit under control... I know I can do it. Then figure it out! I'm going to do it. Rent would be the worst choice you've ever made right now.

Like, what about December, though? Maybe. Let's look at your full situation and timeline after budget and everything. But probably not. But maybe. Maybe. Love the optimism. Also, you work more hours a week? What about your girlfriend? I don't. I guess her job's very stingy with the hours. Then she needs another job. Yeah. Florida's doing okay.

Unemployment in the United States ticked up to 4% technically. Okay. That's not bad. The amount of job openings in the country. What is it? What is it? What was it? Wasn't it a couple hundred thousand or was it 80,000? I don't remember. We reported it on our other show and I'm blanking on the name, but there's a lot of job openings right now still.

yeah i mean i definitely think she could get a job if she starts looking yeah but so why would you work more hours when she was not even willing to chip in at all i think i just have like a harder work ethic like i don't mind yeah but she's relying on you and also at that same time you're enabling her bad behavior yeah her immaturity wait how'd you get here i know we give a reimbursement but how'd you pay to get here

I had cash. Like, obviously, I didn't pay my bills, but I had enough to get the flight. I bought the rental. I had a good discount with AAA. And we flew Spirit. That's how much I wanted to come here because I do not like Spirit. Yeah, I don't think you get to choose. Yeah, I didn't have a choice in the matter. It was at our 500 bucks for a flight. So we flew Spirit. I mean, technically...

There are consequences like, yes, they could sue you. They could get their money like that. The collections will hurt your credit. They probably won't because it's so low. Yeah. That it's not worth their time, effort or money. But we'll figure it out. Just get some hours. Your girlfriend needs to work. Or honestly, you'll find yourself a new girlfriend. As much as that sucks. But the fact that she literally is like almost manipulatively putting everything on you.

It's kind of gross, actually. Yeah, I don't think it's manipulative. I don't think we talk enough about our finances. Okay, yeah, but she said that she would take care of part of the trip. Then you had to take cash advances to pay for it. And then she hasn't put in any effort to pay you back. And she works 15 hours a week. It's disgusting. So that's not going to be a good long-term partner. It's simply not because that's a really selfish behavior. And that's not what a good partner does.

It's not. I'm sure she's great in a lot of other ways. Yeah. But in general, and finance is one of the more personal things as well. Yeah, we're not good in finances at all. Yeah, I know, but she's also taking advantage of you legitimately. Intentionally or not, she is. Okay. And you're also allowing her to and enabling her. Yeah. Okay, student loans. They're in deferment. Thank goodness. $3,500 on that one. $6,000 on that one. So I don't know why interest is on that one if I'm still in school. But I took a year off. No. No.

Oh. Yeah, I don't understand. Oh, this one's an unsubsidized loan. Oh, wait. Let me see. Let me make sure. Yeah, it's unsubsidized. So this one's not going to accrue interest. It's subsidized. Okay. I have no idea what this... I just... Yeah. So either way, it's accruing $120 of interest. Okay. A month.

Oh, no, I don't know about a month, but since it started. Okay. The interest rate is 2.75. It's not an absolute disaster. You owe $9,500 in student loans. Wait, what is your client balance? I didn't get that officially. Just the one, the hundred. Literally, the $100. Yeah, that was it. It was just the last payment or something. I didn't. That is sad. $101, dude. Come on. Yeah. You know, for what it's worth.

I do kind of understand your girlfriend because I have employees that also don't work. Noah right there was gone for three hours earlier. It was two hours. Jake and I counted. Two hours. He was gone for two hours. And he's like, Caleb, I'm doing it for the post show. Something's happening for the post show. So I get it. I'll stay late. I genuinely will stay late. Oh, I don't care. You don't have to stay late. Come on. Come on, Noah. That was just a natural plug for the post show. Come on.

All right, sit down. Let's double the love. I know, the stack is so big. Oh, Ulta. It's actually not that big of a stack, really, compared to what I get, but you're just literally not paying any bills. Ulta, at least tell me you paid the Ulta bill. Let's see. Well, let's find out. Oh, $37 of fees, $8 of interest. At least you're under the credit limit on this one. I can't believe I'm saying at least.

$54 on this. I can't even really calculate your minimum monthly payments because this one I know the average or the normal is $37, but it's $54 right now because of it. Yeah. $37.30. $336.98 is the balance. $37 a month. That's it for this one? Yeah. Oh, it's a 32.24%. Great. Okay. Finally, we get to go to the checking account. This is for the company you work for, it looks like. Yeah, it is. And...

Ending balance. Negative $249.53. What can even be done here? What can even be done here? Making more money. Listen, it's a part of your issue, but because your overhead's actually kind of low, that's not your main issue. That's my special. That's not your main issue. It must be. Get to it. Courtesy pay. Courtesy pay fee. With these. Courtesy pay fee. NSF fee.

courtesy pay fee courtesy pay fee all these fees because you're negative in your checking account yeah it's overdraft yeah otherwise what i'm saying so it's overdraft overdraft overdraft overdraft overdraft overdraft overdraft overdraft overdraft overdraft whoa you open an emergency line of credit with them yeah they emailed me and told me to apply and i did it yeah because they want to make money urgency line we owe

481 out of the 500 limit. Great. And 89 cents. Is there even a minimum monthly payment? It's like $6 or something. $12.50. Or you're probably late, aren't you? I haven't been late on that. It pulls from my check. Did you just take this? Yeah. But there's no money in your checking. Yeah, I just opened that, I think, that month. Dude, overdraft fees just this month on here.

They're $29 each. $261 of overdraft fees in this one. And then year to date, $1,247 you lost in overdraft fees. That's a substantial amount of money to you. And you literally had that ripped away because you don't know how to manage your money. And you were drawing money from the ATM and just f***ing around. None of it matters to you. You're just like, doesn't matter. ATM withdraw.

Great. It's this one. Oh, it's ATM and credit card. So it could be. Well, that one is an ATM and it's a 10.9%. So that's your best interest rate. And it's a 10.9%. That's insane. Chime. Yeah. This is your main checking.

So I don't know why I did this, but I put $150 to Chime a month and the rest of my paychecks to partners. What are you talking about? You deposited $2,234 in here. I also have a part-time, so I get some of the money in there too.

Oh, maybe. Oh, well, we probably added those payrolls together. Yeah. That's probably how we got our number. That was a little higher than what you said. 118 is your balance, though, in this checking account. It's terrible. DoorDash? You can't get DoorDash? You can't afford the convenience to DoorDash? That's not a thing! McDonald's? Also, foot to pay the bills. Reminder, you work two jobs. She works half a job. Less than half a job. Then you're getting McDonald's. Southern Knights of Orlando? What are we doing?

What is that? It's the club. The club? Yeah, it's a gay club in Orlando. It's fun. Be gay in your own house. It's free. You don't need to go to a club for that. Yeah, but the atmosphere, like, what am I going to do? Turn lights on in my room? Yeah. Okay. Well, you don't have money. Club, club, club. You club every second of your life. Easy liquor. Dave, here it is. Dave. Dave.

Dave. We're getting pay advance through Dave. Yeah. Kill me. Cash app in and out. Fashion Nova. You think you're Fashion Nova-ing? Not even close. DoorDash? Not even for a second. Not even for a second. Apple Bill. Going inside a gas station, getting some bullshit. Dunkin' Donuts. Easy liquor. McDonald's. Oh, this is going to just absolutely kill me, dude. I can't believe you've accepted this as your reality. McDonald's.

Turn off your roundups. It doesn't make sense. You literally don't have money. Easy liquor. Cash apping out 50 bucks. Dave's back. Apple. Go inside and get... That's an expensive gas. I don't know. What was it? Probably gas. Amazon. You transferred from Fidelity $250. Yeah, I'm disappointed in that one. What is going on there? I just saw they like...

I was looking through my Roth and then it's like, take a loan or withdraw. I was like, oh, cool. Let me do a withdrawal. And I realize it's like, I got to pay the taxes, but I don't think it's too bad. And penalties. Yeah. If it was invested in your Roth. Yeah. Penalties, 10%. Yeah. Plus whatever taxes on any gains. I won't be doing that again. Also, I'm just being notified that the gas trip is also likely cigarettes. Yeah.

you're a sig girly i was a vape girly at first that i thought sigs were healthier okay my logic was that one vape was like two three packs of sigs so i'm like let me you're talking about nicotine content but not the actual tar's going into your lungs you know that right nicotine we don't know the long-term consequences a lot i mean every everyone says that it's probably not healthy but we know for an absolute fact that cigarettes are not healthy when do cigarettes you smoke a day

Oh, it's such a nasty smell and disgusting habit and expensive. Don't do that. Okay. How many? Like half, like 10, like 10 maybe a day. I'm happy to say you don't smell like cigarettes. Thank you. I'm trying to get off of it, you know, before it gets too bad. Yeah, it's, you know, compared to a lot of this other stuff, it's harder for me to just be like, oh, don't smoke. Because I know it's so addictive and it is one of the harder ones to...

Quit. It's when you're drunk. It's just so nice. Also, I'm getting drunk then because you also can't afford to get drunk. I know. It's expensive. Does your girlfriend smoke as well? Not cigarettes, but she smokes. Yeah. I assume that one. Okay. Yeah.

just please do your best surround yourself with the right people which i don't think is your girlfriend but uh surround yourself with the right people and try your best to quit and whatever method you see best it's again i can't put that in your budget just i just can't i do not i'm not gonna kill you with that how much does it cost a month you say a half a pack a day what's a pack of cigarettes

I don't even know. After taxes. Oh, the price, like $13 for the ones I get. And I get that like every two to three days. Yeah, if you're a half a day. $13 you said? Mm-hmm. $13.65 divided by two. $2,372 a year going to that. Which, by the way, is like 5% of your income. It's not more. Net. Mm-hmm. $200 a month to lung cancer. This is please.

I'm not going to harp on it any more than that. Please. It's probably because you're young. It's probably because you're young. It won't stay that way, and you're going to age rapidly as well. I know. I want to stay looking youthful. That's why I need to stop. I know I need to. Yep. No smoking, sunscreen every day. Boom. Win. Quad pay? Two double quad pays? Yeah, that was zip. I bought clothes. Then Dave again cashed out about $30 for... Oh. Okay, that was A that time. Thank you.

Then you go to Subway. At least eat real food. At least eat what you were, but Subway's disgusting. Andy's frozen custard. Come on, you just can't afford it. Cash half and out, $101. Sheen. Yeah, I like clothes. Congratulations. Wear the ones you already have. You spent money on them. Take advantage of it. McDonald's. Easy liquor. Go inside a gas station, get into bullshit, probably cigarettes.

She smoke? No. Okay. So you surround yourself with people who don't smoke already. Yeah, she's a good influence. I'm the bad one, probably. She sets you up with someone who only works 15 hours a week. But besides that, yes, influence her to...

Yeah, help her. Help her through it. You know, one of my best friends, she put a really big goal at the end of it. They really wanted... Her and her fiance really wanted a dog for a long time. He was like, only if you stop vaping. Six months of no vaping and you get it. She did it. She's been clean for, I think, over a year now. Okay. And, you know, they have their puppy. It's very cute. Very cute. Pulls on a leash very hard, but it's very cute. Yeah.

yeah give yourself a little reward yeah yeah my reward is a cigarette though uh yeah exchange it with a just a better addiction um what's a fun addiction get into are you get into caffeine oh yeah i'm already there get into more caffeine yeah more caffeine um i don't know we'll figure it out

Fashion Nova, Paramount Plus, nothing on there anyway. Starbucks, more DoorDash, Dunkin' Donuts, Dave-ing it up. We're Dave-ing. Dave, Dave. Dave everywhere. Great. Again, turn off the roundups. It's so stupid. Apple. I don't know how to do that. McDonald's. Sushi. Wendy's. Cash App. Cigarettes. Andy's Frozen Custard. Dave. Zip. Quad Pay. Quad Pay. Dave.

Disaster. Cigarettes. Dave. Dunkin' Donuts. Cash app out money. Cash app out money. Oh, this is ridiculous. A bar and grill. Cash app. This is a mess. And to be very clear, play the clip, Brandon. I think it's a generational curse. Curse? Curse? So it's inflicted by the world, not by yourself? Essentially. Obviously, this is you doing it. This is you. This is not the world doing it. Dunkin' Donuts.

Carney and your Airbnb, Sheen, McDonald's, Southern Heights, Orlando. Oh, that's the bumping. Yeah. Taco Bell, Andy's. Yeah. Do you do... Oh my God, no. Okay. I know a lot of people who go to the club frequently do. Not recently.

I just know that's another expensive lifestyle thing. I never pay for that. You have an addictive personality. I have an addictive personality so I know I have to stay away from things like that. I've never smoked a cigarette in my life. I've never really had the desire to but I know if I did I would be addicted because I have a very addictive personality. Maybe that's what it is. I'm addicted to spending money. And if you're addicted to investing open a Moo Moo app. That's what I use. That's my plug. It was a good plug wasn't it?

It's a weird job. Oh, this is Dave. Yeah. We're in the Dave account. Dave's been deleted. He's not. He's toxic. Yeah. Good. Okay. I canceled Dave. You know what? Credit. Thank you. Credit where credit is owed. Okay. That was a hard fuck up. Actually, well, good job. Because you were just getting fees. This was just crazy. This Dave was insanity. You still owe money to Dave? Yeah.

No, I put money in there and I don't know how to get it out. So it's just there. It's like $2. Leave it. Just stay away from Dave. Yeah. Okay. So you spend a lot on cigarettes. How much does your girlfriend spend on? I know that's not exactly your finances, but I'm curious because a lot of payments are your responsibility. Yeah. She gets a discount, obviously. Sure. Like 200, 300 in that area. Yeah.

um what could i offer you if you quit what could the reward be in six months oh if you quit and i think i'm just ready to quit in general but i don't know what a good reward yeah but i want to give some positive reinforcement if you do it so we like i know i come in here and i i go very intense because a lot of people again you you specifically said the phrase and a lot of people think it's like oh there's people that are worse than me so yeah you think your situation is okay i need to make sure that you don't

But also at the end of it, I also want to give some positive reinforcement. Let's get a reward if you do something good. You know, I want you to do well. Okay. What was the flight here? How much did it cost? It was $2.15. $2.15. Okay. I'll fly you back out to celebrate six months of no smoking and me, you, Noah, and Clara, and then anyone else who wants to,

We'll all go to the coolest. Are lesbian and gay bars separate or are they usually together? They can be together, but they have like separate nights. Of your pick, we will go out and we will rage for exactly 30 minutes. And then nighttime. That sounds like a plan. That's the reward. That's the reward. Okay. Six months. I don't know how to prove you haven't been smoking. Just be like honest. Yeah.

Yeah, but also I don't know her. It's like... I'll do it. I'll do it. Okay. I've been waiting for a reason to. So convenient. Nice. We'll just go to... As a very introverted person, probably the scariest place ever. A club? People? Humans?

Yeah, you call it sweaty and sticky, I think you say. Sweaty and stinky. That's usually clubs, though. Yeah. I mean, my friend knows I was a kid. Just get drunk. It'll be better. He's the alcoholic of the office. But it's OK. He'll probably get me back in the post show. He always does. This week's actually a really nice one. But I don't know. I don't want to do that either. But either way, that'll be the reward. That'll be the reward. Got it.

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 $2,000.

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. Yeah, the Davis. Oh, cash app. What are we doing here? Cigarettes. And back and forth. Cause imagine that saving an extra 200 bucks a month.

It would help a lot. And your situation is actually pretty dramatic. Airport lanes. It sounds like a bowling alley. It is. Bowling alley, bowling alley, Texas Roadhouse. Popcorn carts. Come on. You're spending so much money. Yeah. And then $1,679 in a Fidelity. But we know you withdrew $250. There it is. That's stupid. A lot of that compound. Yeah.

so how are we looking no it's completely but i'm just i'm trying to think and your spending's out of control let's do a budget let's just see where you're at obviously again go through the budgeting and investing program yes and you'll build your own you'll learn how to manage it but this is this is a rough one you probably actually make three thousand four hundred yeah that sounds right okay

Okay. You need to start making your minimum monthly payments. What's hard is I don't know. What's your normal car minimum monthly payment? $430. Okay. And the other cards, I'm going to kind of take a guess just based on like normal credit card minimum monthly payments. Yeah. Okay. $602.5 I think is what your minimum monthly debt payments are. Mm-hmm.

300 for rent? Is that what you owe? It's 250. That's insane. Is that split with you and your girlfriend or is that your part? It's my part. Does she have to pay anything? She pays 252. Okay. Do you put anything to utilities or internet or is that just... No. Okay. Phone bill? 70. I just send my dad money. Switch to helium. 20 bucks a month. T-Mobile definitely covers that area, right? And we found that out last episode when someone needed a specific coverage. Yeah. That's the same tower. So...

Will you do that? Yeah, I'm about to finish paying my phone off. Good, and you'll switch? I'll switch, yeah. Okay, I'll put $20 then for that. Gas. Vroom, vroom, vroom. Driving. Like a month, maybe $100. My job's pretty far. Yeah, $100's low. I don't think so. I only drive two days a week, so two times four, like eight times. But then I do go to the clubs and stuff. We'll do $150. Well, you're not going to the clubs anymore. Okay. Wait, is there an entry fee?

no this is the drinks yeah pre-game yeah and then you can go to the club car insurance god it's a lot 300 300 roughly and then we have to figure out your car situation uh tp fund it's 100 anything else you need to survive how do groceries work in this house her mom buys everything you don't have to put a single penny

unless i just want like nope you don't medical health care gym um no it all comes out of my paycheck already like health care okay but you don't have like co-pays or anything ongoing okay no no subscriptions doesn't make any sense you have a pet yes cat dog how much like 200 monthly his food he's

He's spoiled and he's been having problems like health wise. So the vets like copay of like. How old is he? He's only a year and a half. Oh, the copay for the vet? Yeah. Like it's like a hundred. You have pet insurance? Okay. So 200 bucks a month. Yeah. Just, he's wild. It's just as much. Throwing his back out at one year old. Okay. I mean, you took on the responsibility, so. It wasn't my choice. Her mom gave us the dog. I didn't want a dog, but now we have it. So. Do you like it?

Yeah, I love him now. I was going to say that. It was very hard at first. You are so... Oh, I didn't add the debt. Yeah, that's going to... All right, let me redo this. Make sure I do this right. Your dog is very cute. Thank you. His name is Dexter.

Is he going to f***ing serial murder you? Yeah, he's mischievous. He was named after the cartoon Dexter. Oh. Dexter's Laboratory. Him and his lab. Yes. $1,372.53 is what you need to survive right now. Don't move out. It'll be the worst decision you've ever made in your life. Let me just take care of your situation. Well, let me tell you how to take care of your situation so you can f***ing clean it up. And you can move out, I think, quicker than you think. Okay. F*** the car. I mean, the car is going to hurt that, but...

When there's not very much maneuvering because you were taken advantage of. You essentially have an extra... Let's just round it 2,000 hours a month. Round it down. Wow. That's if you actually just be a responsible adult. So, there's nothing in a savings account, is there? No. Okay, open up a SoFi or whatever, high yield. Then, first month...

2,000 hours, and let's just give it a little room. Really, 1,372, set aside in there. But let's just call that month number one for a little bit of just learning lessons. You're figuring out. You're sticking to a budget for the first time ever. Cool. Normally, if there's a little bit of extra stuff, I'd give a little bit of fun money. But we're not doing it for you because you're missing all your pants. So you don't get it yet. But we will allow it after a bit. So second month, what are we doing? Killing Klarna.

immediately in fact i would do that in the first month yeah and uh but second month we're killing capital the platinum capital one platinum yeah killing discover and we're killing premiere there you go that's month number two month number three alt is gone e-line is gone okay are you kidding me that makes it seem so much more doable we're halfway through month number three and all your debt's gone except for your honda civic yeah um

You think you can borrow the car for two months? Yeah. Okay, good. And then you're immediately in the second half or three months and then the money left over at month number three plus a little extra that goes to the car repair. Okay. Do that. Do that. Do that. Then it's month number four. You have the car. This is what I will allow. The money that is left over from these minimum monthly payments that you have can now go to fund.

But you still have the $2,000 to put towards the debt starting month number four. Okay. The fund is funded by you paying off the cards, getting rewarded by no longer having those minimum monthly payments. Okay? Okay. But $2,000 is still to the car. And actually $2,000 because it's so, it's actually a good amount of money and you have $18,000 owed on that nine months. It's literally a year. Are you kidding me? Do you know how insane that is? You have f***ed up so much and gotten into such a bad position by 21. Yeah.

but you can be out of it by 22 you literally get a fresh start at 22 yeah that'd be nice you're probably gonna have student loans for grad school hopefully you can cash flow as much of it as possible because you could have actually cashed out a lot of this uh well actually well why do you have student loans if it's paid for um i got forced to go to college a private university yeah and my mom didn't pay anything why would she pay

She promised. I told her I didn't want to go. Man, it keeps happening on this show. Yeah. It was COVID. I told her I don't want to go to college during COVID. She told me I need to go or I get kicked out. So I went. That's okay. Well, now it's in your name. Yeah, I didn't know that. Parents, stop doing that. And Disney covers my college now, too. They cover it as well. Well, they cover grad school? Mm-hmm.

Okay, cool. As long as I'm there. And then the student loans, I would make a monthly payment until they're paid off because they're less than 3%. It's kind of cool. So one year. And then at that point, what I would do is save up $10,000, which after the car minimum monthly payment is taken out, you can do that in four months. Four months. So a year and four months and you have a $10,000 emergency fund and you have no bad debt and you can move up. Okay.

And you have a paid for car as well. That'd be nice. Yeah. Yeah. And then when you, when you're ready to upgrade car, you know, you're saving up to buy it in cash preferably, but you can also put 20% down as long as the car loan length is no longer than three years. And as long as it's no more than 8% of your income. Okay. It's the money guy rule. I love my guys brain and bow over there. So sounds good. Yeah. That's what, that's what I'd do at that point. Um,

This whole conversation has been really dire. And there is such a massive short open. The light coming through the short tunnel on the other side is huge. And you can have that if you literally just sacrifice. So I will challenge you one more time. Is it the world that did this or did you do it?

I definitely... Besides the parents with the student loans. Yeah. I mean, I did it. My spending shows that for the most part. Good. Because the reality is if you're able to get out of a situation you put yourself in in literally a year, that means it's your choice. That means it's your choice. So...

It is now your responsibility and your choice if you want to live that better life. At that point, 50-30, 20-50% to needs, 30% on wants, 20% on investing. You'll be able to retire a good life, especially when your income goes up after what you want to do and everything. You actually have a bright life in front of you. I'm a little worried about your relationships. Just make sure people aren't taking advantage of you. Mm-hmm.

doesn't mean you can't have healthy relationships still just make sure they're not taking advantage of you make sure you're not enabling anyone's bad decisions yeah for sure i think you actually could and then you know six months we'll see how you're doing because you will have been six months nicotine free nicotine free okay nicotine no vapes nothing nope

Nope. And we'll party up, and then six months after that, you'll be debt-free. We'll do that on the follow-up channel, and it'll be great. Let's get your Hammer Financial score. It's going to be really bad right now, but it's actually going to be good in literally a year and four months. Yeah, that's crazy. Plug the post show. There's a surprise Caleb can flex on us. Let's find out.

I'll figure that out. Spending a budget, obviously zero out of 10. That was the most ridiculous thing I've ever seen. You're not paying your debt. Yeah. You're buying your payment. So your debt's zero out of 10 emergency fund. There's nothing zero out of 10 retirement. There is started, but you pulled out of it. It's basically nothing. One out of 10, 21. Yeah. I'll be generous. Uh, two out of 10 real estate, nothing zero out of 10. It's going to be a hammer financial score 0.5 out of 10, but it will be a lot higher very soon. If you literally just sacrifice, uh,

Make sure to stick around for the post show and make sure to check out all the resources linked in the description below. 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. Today on the Financial Audit Post Show. Back in the day, you played the trombone and that was your musical instrument of choice. Is that correct? Yes. Good. It better be because I went and rented a trombone this morning.

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