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To watch episodes of Financial Audit a week earlier, check us out on YouTube. Are you f***ing me? Are you f***ing me? Are you sitting here to f*** me? Is that what is happening right now? Why'd you tell me you were paying for it? In the beginning I was. That's not what you said. My name is David and I'm 23 years old and I'm based off of Dallas, Texas and this is the Financial Audit.
Thanks for coming down from Dallas. What do you do out there for a living? I work as a sales manager for a production company. Oh, I love sales. Well, a production house rental thing. It's categorized like that. And what are you making? About $50,000 a year.
Is some of that bonuses, commission, or is that just an hourly salary? It's a salaried one. Salary at 50? Yes. There's potential for commission, but that hasn't been implemented yet. It hasn't been implemented. How is a sales manager being a sales manager without incentive for making the team go out and sell? Isn't that the whole point? Fruit fly from this plant right next to us. Get out of here.
Yeah, I blame our corporate office, our lead team. So you're making $50,000 a year. Yeah. Okay. Which we had $3,010 come in last month from payroll. Yeah. Net. So, David, what is going on? Spoiler alert, I already know. For the lads out there, what is going on? Because we got a couple things that I'm like, you know,
This dude's kind of average. Then he got some things on like, you know, this guy might be in the right direction. And then all of a sudden I get to some things and I'm like, what the f*** is David doing? What is he possibly doing? Why is he ruining his life at 23? So what is going on? I think it's just my reason to be generous. I guess that's to blame for it. Missing a payment is being generous? Yes.
Stop being generous to your future. There's a missed payment? Oh, you don't even know? No. Oh, really? No, I've looked at everything. I've said nothing missed payments. Oh, you're talking like, because I've done like credit checks and this has no missed payments? Oh, yeah, that one. Oh, that one. Yeah, what the f***, buddy?
Yeah, that's my brother's. What do you mean? What do you mean? So my brother works as a diesel tech, and so he just got a job with Freightliner. Okay. What do you mean that's your brother's, though? No, so it's under my card, but he purchased a toolbox set, and so... So your responsibility, if your name's under it, you make your bills. You pay your bills. You make your bills paid, basically.
I asked him to send the money and I tried to get it in time. It doesn't matter. If he didn't send the money, you still have to pay this. Your bills, it's under your account. Yeah, that's my fault. That's okay. So never miss the payment. First document in the pile is a missed payment. So what is going on was my question. And let's get an answer now because that's
Sure, generosity involved. You helping get your brother a toolbox or whatever, but then you didn't pay your bills. That's not a generous thing. So tell me, what is going on? So the reason for that one is for... What is going on with your finances? I am in debt. So I don't know how to manage my money, and it's clearly there. Classic American, sure, right?
And I don't know. I just keep digging myself into a hole. I try to find opportunities to get myself out of it, but nothing. Find opportunities. Okay. So what opportunities are you pursuing to get out of this? I've looked at some different ways to get rid of it, like consolidating it. That didn't work out so well. What happened? I don't know if you have it there with you, but I have a personal loan. Yeah.
Yes. That was for clearing out those credit cards. The credit cards that I see right now that are still having balances and accruing interest. Yeah. So you built them back up. Yep. This is why I just get closer and closer. I swear. Every day of my life, I just get closer and closer and closer to just like
Dave Ramsey's opinion of never consolidate debt. I still hate that because things should not be one size fits all and there are nuances in life, but I swear every single person that comes on this show and says that they consolidated something turns out to be like this. You just build it right back up. And that personal loans are accruing interest. Yeah. And now all the credit cards are accruing interest.
Yeah, that was, I thought I could get out of it by doing that, but I just keep on digging myself into it. I see the money there and I just gravitate towards it. You also said, and let's go back to it, you said you are trying to find ways to dig out of it, right? Is finding a way to dig out of it, spending 12% of your spending going out to eat, plus an additional 7% stepping to gas stations and getting...
Is that digging your way out of it? Is that finding a way to dig your way out of it? Those are my vices that I kind of... So are your vices digging out of it or are you just rolling around in the hole? Probably just rolling around in the hole.
So be real with me then. You haven't been trying to dig out of it. I'm pushing back. I know I'm pushing back pretty hard. We just started. You're a lovely guy. Trust me. It's not just, this is just about money. It's not about just, you know, you. I'm not just bullying you for being you. But I need to get across that we can't just sit here and we're sort of, I'm trying to get my way out of it. I'm trying to find ways to dig myself out of it. If your behavior is not connecting to that in any way whatsoever. Yeah.
Yeah, that's what they say rolling around. How long have you been in debt? Two and a half years. Okay, so starting around 21? Yeah. What changed at 21? Why did you get into debt? I was living with my sister because she was having...
baby daddy issues. Baby daddy issues, okay. So, you know, being the older sister, you know, try to help her out. That doesn't make sense. You're just like, what? Okay, okay, that's fine. I've just never heard, oh, the older sister, that's the one we help out. Okay, sure. But the heart, the heart's good. So try to help her.
And for the span of six to eight months, kind of just kept occurring, occurring, occurring and not, you know, just putting the minimum in and not really just. Well, how are you helping her out? Why does that equal debt for you? What do you mean? Why does helping her out equal debt for you? What were you doing? Recovering like all her expenses? No, I was, you know, light bill here, you
Mainly the light one and then the Wi-Fi one and then gas. So utilities is what led to your financial destruction? No. That doesn't make sense. It's also my own. Okay, but you're saying this started by taking care of your sister. And then I asked, okay, so what taking care of your sister put you in the hole? And you're saying taking care of utilities.
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It's a mix of a lot of things. There's really not just a set way. It's me being reckless and saying here, just use the card here. Just use the card. They're using the card. Yeah. Okay. Well, this is interesting. So you're using the card now with your brother. Hey brother, go buy the toolbox. That's his version of baby daddy. And then we go get sister two years ago with the baby daddy. Um,
And we're giving her the card, so we're giving other people credit cards. Well, the main one was the... I think you can see on the photo, it was the Apple Card one. That one, I added them as participants, so they build up their credit on there, even though it's already high in usage. Okay. You came with a girlfriend today. Yeah. Do you give her the card? No. Okay. So why? What does it bear? You give your family card, not girlfriend. Just trying to understand your...
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psychology behind giving this card to so many people for things. From that situation, I don't give it just because I just don't want to give another person another card. I've stopped the access to the card to my brother. I cut it off. Oh, they had literal access. You weren't just like, here, take this, go make a purchase. They had access to it? Yeah, they had a digital card on there. No! To a sibling? Siblings?
That's a terrible idea. That's a terrible idea. Please do not do that. That's a terrible. Did you offer that out of the gate or was it asked for? I saw that they could like being an authorized user. No, if you ever want to give a gift for them to do something, let them be an authorized user on the cash that you give them in that moment.
That's dangerous, dude. How was their behavior with spending and managing money? There's a small... I was the biggest user out of those cards. They were doing like, oh, hey, can I have like 20 bucks in gas? Can I get 20 bucks in gas? How's your boundary with your families? I'm sorry? How's your boundary? I'm not there. So this family growing up, tight net? Yeah. Tight net families. Very close? Okay. Yeah.
All right, give yourself a score. Zero being the worst for your finances, 10 being the best, 5 being average. Basic doing okay. Three.
Yeah. Bold for someone missing a payment. If you want your Hammer Financial score, it's free in the description below. Also, be nice to him. Give him some love. He had the balls to come on this show. I don't see you applying to be on the show, and only I'm the one who can be Caleb Springer and make a wild thumbnail and title and beat you around here. But it's because we're just... I want to make very clear just how bad this is. And you didn't even know you had a missing payment. So it's just like...
You need a wake-up call if anyone needs a wake-up call. My gosh. Missing payment. One missing payment. First thing in front of me. Okay, so and that missing payment was a Best Buy card, which has a balance of $968.02 on it. $41 fees because we didn't pay any money. That's a $90 minimum monthly payment. Probably not normally that much. That's probably just like with the late fee doing a catch-up. I'm guessing it's about a $45 minimum monthly payment. I think so, yeah.
How do you not have interest? Interest. How do you not have minimum payments set up? So... Wait a... Wait a... Wait a... Buddy! What? It's the second one this year so far. And you said you've never had a late payment. This is your second year. This... This is your second one this year. Yeah, it was twice. Yeah. So you lie to me.
What do you mean? You come here, you say you've never had a mispayment, even though I already had information in front of me and went through your documents and knew that you've had a mispayment. You say you've never had a mispayment. Then I sent it to you and said, oh, that one. You've had it twice. Twice. This year. And this year has barely begun. We're still in the first quarter of the year. A couple more days. This isn't a f***ing round zone. I see that. And it's the way I try to get out of, like, seeing those. So...
Yeah, I see the missed payments, but it's like... No, why'd you lie to me? You knew and you just admitted that you had missed payments. But you said, I've never had a missed payment. Why? Well, I thought those weren't going to be reported wise. So it's like... It doesn't matter if it's on your credit. You've had missed payments. Yeah. Tell me.
Buddy, if we don't get down deep in this, if I don't pull it out of your fucking stomach, man, we're never going to make any progress in your life if we can't get deep down to the core of your issues. And I'm here to dissect every single part of you until we find it out. So tell me.
Why'd you lie about having missed payments and why the fuck are you not set up on minimum monthlies? Well, like I was mentioning before, I was set up on auto pay and they were going well for, they were going well. And then I got stuck. And so I just like no money. I,
I literally had $20 in my account. Okay, now why? Because I've seen your spending. That seems more of a behavioral choice. Yeah, the spending. Okay, so that's your responsibility to make sure you have the money in the account when you're making a decent income, especially at 23, and be able to pay those bills. Instead of being like, well, I spent all my money on fun. Let me turn off auto pay. That doesn't make any sense, does it?
The way I kind of justified it was I did, I forgot when I did these things, but I had like extra money. And so when I would put the money in the account, so. If you have extra money to pay off your debt, what are you talking about? No, that's why if I had extra money, I'd say, okay, yeah, I'm going to deposit into the account and then just draft it from the, just take the payment off from there and it'll draw it. And I'm going to ask it one more time.
Why did you not? Why did you lie to me about the missed payments? Did you not know about them? Well, it said late fee. So I was like, okay. I was like a day or two off. So I was like, that shouldn't really matter because it's still, you know. It's a missed payment. Okay. Alrighty. As long as we at least have learned that, hey, buddy, make your payments. That'll be progress in my book.
Yeah, that would be a good choice to do. Yes. Oh, f***. Bank of America, dude. Seeing someone with $4,000 of credit card debt at such a young age. Because I'm getting old. It's just like f***.
Sad. $85 of interest accruing. There's still purchases. $20. It's not crazy, but why would we be putting money on a card that we're only paying the minimum monthly payments towards that is accruing so much interest? Yeah, that one's the one. That's like my least favorite thing ever. So why'd you put more money on it? It was minimal, but still. Guess. Oh, again. What? I had like, like I have literally no money. Which is a choice. Here's the spending categories. Take a look at it.
You chose to not have money. You spent your money on f***ing bulls***. Yeah. So you delay your financial future? I'm trying not to. That's what I'm trying to avoid, but I guess it's just my habit of just keep on going. You're not trying not to. That's not trying. Do you know what the word trying means? Trying is trying. You're not trying. You're not trying. Trying wouldn't indicate behavior and proof behind it. Not trying. How are you trying?
I want you to be able to speak on that. I know I'm interjecting. This year, just recently, I just started. So I got desperate. So there's a... Which I'm using to try to kind of boost on paying stuff off. I'm donating plasma. Oh, okay. Yeah, and I do... Since elections are coming up, I'm working as a county judge. They pay like...
Pretty decent for a day. How much are you making on average on a monthly basis from either of these? Both of them combined, preferably? The ones that I just did one back in March. No, no, no. Sorry. It was March 6th. A couple weeks ago. It was the joint election to put them on the ballot. How often can you do this? It's only during the election year.
During the rest of this year, how frequently can you do whatever this is? Like three times. Okay, so look at the plasma then. Tell me about that. So they had a promo going on, which I'm still going through, which is you get $800 for eight visits. So they split it across eight visits. $100 a visit, wow. Yeah. But you know this isn't an income issue. This is your being a d*** issue with your spending. I see that.
Yeah, that's... I mean, I try to justify it by saying, I mean, I'll get more money later, but... No. There's no justifying. That's gross. $20 from 7-Eleven. I'm guessing that's gas. Yeah. Best Buy. Looks like it's in an interest-free period. When does that end? Do you know? Well, there's three things on there. I think two things on there. Oh, f***. There's 0% finance? Okay. Yeah, that was...
One of them is my, because I was still in college and my MacBook was dying. I had like a 2015 MacBook Pro, which was dying on me. And I bought, they had a really good deal going on with the 15 inch, the new MacBook Air. I got it for like 800, 900 bucks in September. This year? Yeah. Okay. So you got the M2 MacBook Air.
And it was $900, so you got the base model. Mm-hmm.
Those computers are actually pretty okay, but you kind of have to get the upgraded options because you have like 8 gigs of RAM, man. That's like shit. You can't really do... You can open like five Chromebooks or five Chrome tabs with that and your computer starts freaking out. I wouldn't spend almost $1,000 on that. The MacBooks only become worth it when you can really utilize the chipset, but you can't even utilize the fucking computer in general unless you have more than 8 gigs of RAM. So I would have rather you got like $900 on...
Windows machine at that point and I'm not like Windows is better than Apple Apple is better than Windows but for that price tag you could have gotten more well that's a rabbit hole and we all work on MacBooks here at the office but you know when I went and purchased them those who use MacBook Airs in the producer setting they got the upgraded options yeah I was thinking about it but plus on yours you can only have one external display anyway you can't use two I didn't know that no
I'm turning the MKBHD over here. So what do you even use? This MacBook Pro? Other than... You can't even do it in Texas anymore. I heard about that. Yeah, you heard about it? It was a top headline on my Chrome. It was like, you know how... Yeah, that was the... The headline was what you saw on your Chrome? Mm-hmm. So...
Are the interest-free all throughout until the end of their scheduled payments? Or are the minimum monthly payments a little less than what it would need to be to pay them off? No. Because you're getting deferred interest. In the moment you don't pay it off, that deferred interest is going to come and bite you. So for the MacBook, that ends in October. They gave me, I think, that's 18 months. That period, but the payments end in October.
Yeah, so I figured it out to equal out like $150, $200 a month. But you're not paying that. No. You're not paying that. You're not paying that! Yeah? Yeah. Across the board, though. That's for three things. So we're going to have all this back interest hit you. Oh, thank goodness. Okay. Oh, no. There it is. $362. A back interest on one. One of them. The other one, $153. The other one, $145 because it just started.
that's gonna you man yeah that's gonna like all these together it's gonna almost double the balance because you're not that is not a joke i'm gonna put a like super extra star next to that we gotta we gotta attack that at the end of this apple card speaking of apple that one's the worst well out of all of them it's not the worst but the one is the one i heavily use why
So, I mean, there was a period where I didn't use it. What is it? 1% cashback on most things? 1.5? If it's Apple Pay, it's to like 3% on Apple Pay. For everything Apple Pay or only Apple products? So I think it's according to what it says on there. It says 3% if you use Apple Pay at checkout. If you use the physical card, it's 1%. That's interesting. I'll try to get people to convert. Okay. $70 minimum monthly payment.
$1,880.73 is the balance. This wasn't where I really saw much spending. Paying some bills. There it is. Some Apple subscription. Five bucks. I think that's the iCloud. I get extra storage. How much interest is occurring on here? Because I think it's 24, 26. I think that's the highest ones that go. So instead of paying that back, we get, we go to, okay. Okay.
Interesting. Okay, we do have a couple of debts, but this is like the credit union of Texas combined statement. So, we're actually going to go through the checking first, just to keep things organized. Now, we could pay off debt. That'd be great. But as I said, Sonic, Uber Eats, Sonic, Whataburger, Domino's, Taquitos, Best Buy, Zelenop Money, Zelenop Money, Clarny...
clarna you're clarning why are you clarning uh buy i don't think you can afford to buy anything anyway but it does uh restaurant ntta online the tolls what is that ntta ntntta yeah that's that's my tool my tool tag okay yeah don't take tolls you can not take tolls and in texas i can't speak for everywhere but in texas they're more of a convenience
yeah i yeah i work by uh the 635 i don't know if you're familiar with 635 not specifically it's one of the worst traffic trafficked areas it's about an hour and 15 minutes to get home buddy this hits your account constantly and you just don't have money you should be paying off debt this is like it's like an extra 20 50 bucks a week that is just slamming you
Zelling out money, zelling out money, Amazon. Oh, there's another 40 from Toll's. Wingstop, another 40 from Toll's. Buddy, that's insane. It's like close to 100 a week. Uber, Uber, Uber One, Domino's, Texas Light Barbers. Well, haircuts are okay. Some Boots and Wingstop, Takedo's, Car Wash.
It's Texas, buddy. It's not winter. We're not getting the sh** that comes and hits the bottom of our car. All the salt. Water burger. We're cloning Uber Eats. And then, that takes us to the car, which is a 2017 Chevrolet Silverado 1500 ID. It's at 5%, which is not the worst. Taking a depreciation and everything, it's probably closer to 7-8% in general if we look at it. But,
A payment of $507.10. That's your minimum? $507? That's my monthly payment. Okay. Stack that with all the minimum payments we've talked about so far. Pretty rough in the overall balance on that. $23,721.92. Yeah? Yeah.
Now here's the fun one. Here's the fun one. This was our debt consolidation. Yeah. Our debt consolidation at a super duper fun 17.25%. Yeah. That one was not fun to get. No. Didn't even see this going through your documents. Didn't even see this.
Are you f***ing me? Are you f***ing me? Are you sitting here to f*** me? Is that what is happening right now? This isn't f***ing up on your browser. That's not what's happening right now. But you are f***ing me. A payment of $181.95 is past due. Yet we saw the spending on this statement. And we have more statements to see the spending on. But is past due.
You spent out to eat $760, but a payment of $181 is past due. What are you doing? For those, I'm doing the grace periods because they had a 10-day grace period. Why? You don't have to. You make decent money for someone your age. You are close to the median national average salary in your 23 years.
If this is what you're doing with the median national salary at 23, I'm scared to see what you'll be doing at $100,000 a year. Yeah. Your debt's going to be immense right now. You're in $10,000 of high interest debt. What's it going to be then? 20, 30, 40? You're missing your paycheck.
Yeah, those I'm not proud of. Three. That's three late payments that I've been able to put my eyes on. I bet if we had these statements go back even further, what else would I see? You're doing this yourself. Yeah. You're spending, man. This is a choice. $6,930.86 at that insanity 18% interest rate, I think. $17.25. What's the minimum monthly payment on that?
The one you said, 189 something. Grace period. Why are you using the grace period? What in your mind and behavior and thought process are you doing like, I'm going to use the grace period every month? Why? What's your why? If I took the payment, I'd be like $10. So I just try to have enough. Every month that happens at the exact same time, you'll have $10? No. It was just certain months where I...
Why do you have $10? Why are you spending the money? Why are you spending all that money going out to eat? Girlfriend, spoiler alert, this dude's not spending any more f***ing money going out to eat. So if you guys are going on dates, you're paying. Dude can't pay his car payment. Sorry, I'm not angry at you. That one. Why are you spending money going out to eat if you can't pay your bills? I get desperate. Desperate? Well, not desperate, but...
Um, I don't, I just, I like food. I like to eat. Like I like to eat. Congratulations. Okay. Do you like being in debt? You said you wanted to make progress. It's clear. Only your choices are preventing us from making progress. Yeah. How you find that going out to eat is more important than bills. Correct. Correct. Your behavior showing that acknowledge it. Is that correct? Mostly. Yeah. Okay.
Next statement, $144 in it. Here we go. Pizza, some hotel, Burger King, Sonic. Sonic, at least eat food that tastes like food. My goodness, Sonic. What is the Savers Cost Plus thing? Oh, that's a... Cost Plus is a supermarket chain, and then the Savers Cost Plus is like the sister of it.
You're going and getting like $5. So you're going and getting like a snack or something. No, it's... Come on. It's like toilet paper. Like I get like occasionally like... Wish I could see. Are you purchasing it in an app by chance? No. PayPal, Sonic, Taquitos, Jack in the Box, Taquitos, Donuts, Taquitos, DCCCDE Connect. I hope my girlfriend pay for her classes.
How? How? You can't pay your car payment. How are you helping her pay for her classes? You can't pay your car payment. This is as much as this was almost as much as your car payment or that personal loan payment. Sorry. Yeah. Why? Why? Why are you helping? You can't pay your bills again. The heart. Love it.
But you can't pay your bills. Why are you helping? Tell me. Answer the question. So the way I have it set up is I think you see I have three bank accounts. So I have that Chase one. I get $100 and I put it towards there to help her pay for it. What? But you're spending so much here. It's not just for that. If...
That's me. That's if we have extra money in there, we go out to you. Extra money? You don't have extra money. If you have extra money, you're paying your bills. What do you mean extra money? There's no extra money. What are you talking about, man? In my eyes, I kind of take it as extra money. But it's not. You can probably see it differently. See it differently? I'm seeing the numbers add up like math, like first grade math. The math is...
You had extra money. You put that towards the bill you're choosing not to pay because you're like, oh, I have $10 in there. No, you don't. You got to f*** Sonic every second of your life. I'm selling out money more Sonic. Jack in the box. Jeffree Star. I got some Jeffree Star stuff. I think he's okay on his money. I don't think he needs anymore. Maybe pay your bills. That's a good plan. I'm sure you look great glammed up, but we don't need that before paying bills, buddy.
Buddy, you can't afford. I love the heart. You cannot afford to help with school. I'm just trying to put her name to something. You're helping everyone else except for your own future. Another bank account, 44 bucks. Oh my gosh. I just saw the lines that I highlighted earlier. It keeps going, man. Sorry, that, uh. Don't apologize to me. Apologize to yourself. Apologize to your future self. Your f***ing yourself. Yeah, that kind of hit hard. Huh? That hit hard a little bit.
Good. It's the purpose. Now you get it. Amazon. Amazon. McDonald's. Little Caesars. Taquitos. Aldi Story. McDonald's. Valet. Paying for valet? You don't pay for valet when you can't pay your bills. Free Play Arcade. Yeah, it's real free. Taquitos. Car Quest? Car Quest? What is that? Uh, parking. Going out to eat. Taquitos. Burger King. Taquitos.
Going out to eat the reserve. Kiwi Peak. Oh, there's your little going in, getting something. And Little Caesars. Cash-happing out money. Taquitos. McDonald's. Mexican food. Taquitos. Crepes. Fangsha Cha. Whataburger. And Apple Bell. There's some other. Age of this. Buddy!
This is all behavior. And you, you're not trying to dig yourself out a hole. That was the biggest lie I've heard today. You're not trying. This does not indicate trying. Do you know what the word trying means? Actually, trying or making an effort. Yes. Sonic, Applebell, El Rancho, Klarna in Amazon. F*** me. More Klarna. Subway.
Is that $37? Mm-hmm. Oh, and I renewed my security license.
Security license? Yeah, I have a private security license. What are you going to do? I used to, for a small bit, for like a month or two, I worked for... What? Who's that? They're the ones that... Guard people? No, no, no. Securitas. They were a security company for like... They're a private security company that companies offer. What are you, a twig? Who are you protecting? They hired me. They did? I don't think I want to hire their company.
taquitos lots there's there's more tolls tolls forty dollars ten dollars bath and body works at least we're smelling good while we're going out and not protecting anyone and taquitos oh my gosh it continues forever and ever and ever taquitos apple please water boy so you look like a water boy paramount plus there's nothing on there anyway raisin canes clarina coca-cola coca-cola restaurant cash app
There's the cash saver thing again. And Southwestern, UT Southwestern. Oh, parking. You have to pay for parking. There's no way around it. Brom store cash app. More tolls. Clarning an Airbnb. F*** my life. McDonald's. You know nothing but just debt. That's all you know. Taquitos, McDonald's, snow cones. Grape.
And you do have 401ks, but you've mentioned like a couple of career things at this point. What the f*** are you even trying to do? You're like all over the place. It's Wednesday. You need a free $20. Usually you get $5 for signing up for Acorns, but using my link in the description below, you get a free $20. There's no strings attached. Make your Wednesday better by getting a free $20 for signing up for an amazing platform in the link in the description below. That's, um...
I have a curious mind to try to learn as much as I can. Primarily, I was... Because... Well, it's my parents... Can you learn how to get out of debt first? Before you f*** around? That'd probably be a good idea to do first, yeah. Sorry, continue. I was being a little... Well, my parents always told me, you know...
Do a lot of stuff, you know, do this, do that, do this, do that. Not do a lot of stuff. Very specific. Okay. From what I mean by do a lot of stuff is have a lot of gateways to, so if something doesn't work or you, or I, let's say I crap out of it, you know, because in the beginning when I was in high school, I did, I wanted to be a diesel tech to work on the 18 wheelers.
Okay. Very far from that. Yeah. I'll explain. Yeah. I lost interest junior year and I figured I could get out of doing that. Of high school or college? Sorry. I mean, I just, I have a social security, so I'm out of college. No, no, no. Junior year of what? Junior year of high school. Okay.
So, you know, they were like, oh, you know, you can choose a different path. And then my junior year, I got into photography and that's when I started doing that. So that's where I got my associates in, in arts and photography. Useful degree. All right. Next. You're not doing that.
No, it's still in the arts industry, if you would call it, the production side. So I sell the equipment and we go to these trade shows and all this stuff to learn about the equipment. But essentially, I'm a salesperson now. Normally, I'm willing to gift someone a course career certification when they come on the show. But I don't even want to do that for you because you don't need any more rabbit holes to go down career rise.
You have an EMT certification, correct? Just a certification. I tried doing the test. I failed it. It's hard. That test is hard. So if you manage to actually stop someone in security, if you hurt them, you're not going to be able to help them. I know the basics. Anything else you're pursuing education-wise, job-wise? Job-wise, no. Job-wise, no.
I'm also, you're going to get a kick out of this one. I'm also getting a real estate license. Why? That's so far from everything you're doing. Why? Especially in harder markets like this. It's so competitive now. You got to be at the top of your game. You don't have time. Why?
I kind of took interest in it and I had one of the... So the company I work for, we do like pyro. So we have a chance to go out there. The technician's wife is a real estate agent and I was talking to her
And she, you know, we got, she was able to help me with like, like knowing about the, about like, like the real estate and housing. Does she do it as her full-time job? Yeah, she does it as a full-time job. Are you going to? I plan to. Oh, f***. I'm like. Oh, f***. So we're not even going to have income coming. F***.
Okay, sorry, go ahead. Say your piece. Full time is like the future, like, you know, eventually. But she said that I can be her assistant and she can give me part of her commissions. My producer told me I'm being a **** to you.
Which is fair. I know I'm being pretty hard this episode, but it's just like you lied about your situation and everything's all over the place. And it's just like, now you want to go into real estate. I'm just like, there's nothing radiating of any positivity right now. And I'm just like, ugh. Yeah, I'm very all over the place. I can't sit still and find one thing to do. Yeah. Well, that's not going to help your future. What do you want to do? Tell me what you want to do.
In the beginning, it was photography. No, no, no. Tell me what you want to do right now. Like job wise? Career. Sure. Yes. Well, I kind of took a liking of what I'm doing right now. So I plan to grow within my own company. So why this real estate thing? Side thing. Okay. No, just don't. Just don't. I'm going to be honest. Just don't. I'm all about real estate. Love it. I do real estate myself, but don't.
don't do it as a side thing right now I'll just be honest I'm just going to lay it out don't the why because you're not going to have enough time to fully dedicate it to yourself which is what you need to do in this market again if you were if you wanted to go full time that's your passion sure but just don't you're getting distracted on these extra things the EMT thing the security guard thing and you get distracted you're not satisfied and you need to find different ways to be satisfied yeah
mental health counseling, hobbies with the girlfriend. There's lots of things we can do in life that bring satisfaction. You mentioned it yourself. You just don't like sitting still. You're always on the move. You're just ready to do something, ready to do something that's awesome. I think the thing that needs to be your something right now, get out of debt quicker. Let this be your passion. Get this to be your passion. And that's what this conversation is hopefully able to do is light a fire under your...
Let you at least know how bad your situation is, how bad your spending is so that you can do what is necessary for this to be your passion. And then you're able to go as hard as you need to to get out of this. Yeah. But if you're not, you know, if this if this isn't your passion, if you're not passionate about getting out of debt, you're not going to get out of debt because it's a comfortable lifestyle to just put your head in the ground.
And you're just ignorant of the whole world and your situation, which is totally normal. That's much more comfortable than being uncomfortable about your debt, putting yourself in uncomfortable positions where you're working your ass off and cutting back on the things that you're used to. That's uncomfortable. But if you're willing to be passionate about getting out of debt and actually improving your future instead of these temporary little wins through trying to achieve this new little thing that you got interested in and learned about,
This is what's actually going to matter in the end. Let this be what's passionate in your life. Let what's being passionate is growing your retirement. 2,241. I'm happy to see that at 23. It shows that there are qualities to you that has discipline behind it that you're able to like put into action. Mm-hmm.
And you're in a 2060 target retirement fund. Love that. Across your two different accounts. We have also 245 over here. That was a, uh, that one, um,
uh that one was a rollover that i turned into a roth okay ira because i i'm very on that side like investment side i am very clueless i know very little and i don't want to like but guess what you're actually doing it right you got a target index retirement fund fantastic for someone that knows nothing about finances it's great you made the right choice
Yeah. And I want to add to that. I eventually, eventually. Why eventually? Um, cause your debt or something else? Yeah. Cause of my debt. Like you said, if I want to make that my, you know, what I want to focus on, I mean, I could, you know, I, I just don't know how to add into it with what I got going on.
Okay. Yeah, I mean, debt will come first, and then I would love you to max this out right now. The max is $7,000 a year for this upcoming year, and I'd love to see you max it out. Are you taking your match over your 401k at work? Yeah, so they do – I forget where I'm at. I think it increases a percent a year, which I'm going to keep it that way. What are you at? 3%. And you're matched up to? 6%.
Okay, I would just switch to 6% now. It's literally 100% return on your investment because it's free money and no interest rate is beating that. And in order to maintain your strong income, is this career path that you're in, this company that you're in, is it where you see yourself in the next five years? There's some internal things going on that are making me question it. I thought we were getting into somewhere. Okay. So I'm kind of calling them out here, but...
It's okay. You're using a fake name and all that good stuff. They actually... So the company I work for has all these plants. So we got bought out. So the company I work for got bought out by this company that owns other production companies. One in Orlando, Florida, California, and Georgia.
And they just acquired us just a year and a half. So I got in during the acquirement. So for a little, I was still with the name of the company I was with. And then it changed into, oh, we're now we're the same company, but under the subdivision of this company. Okay. And their plans are, like I mentioned earlier, to include a commission-based thing, but that's just...
another thing on their list that's what they call it so you don't know if you see yourself there in five years no it's it's good for now for where would you go what would you do uh i mean my first year alone i made half a million in sales so but that's different in sales probably market that in your resume to try to go get a different job in sales yeah
It's not a bad answer. It's a good answer. I love sales. That was my first like career position. Funny thing is I hate anything sales based. I always told myself, you know how many calls I get from Prime Miracle, come sell life insurance, come sell life insurance. I was like, okay, if you don't like it, then is that what you're going to be doing?
You'll burn out and you'll just fall out of the career. Yeah. But I like the, so the reason I got into this was because of the background. So I used to do like the theater, theatrical theater, theatrical lighting, all this kind of stuff. So I knew a little bit of the area. Yeah. So I was like, let me take a crack at it. I knew a little bit and I built up on it. And I like it. So I kind of want to stay, there's other, now that I've worked there, there's other production companies that are known for
And not only in Texas, but in other places. But, you know, other places could mean that I have to leave. But that's completely out of the question. It's a hard conversation with the career aspect because we don't know what you want to do and where you want to be in life.
What things are going to look like. So we'll just do your budget based on today. For your current spending, your debt payments was 19.4% or $1,244.63 net. 2% went to housing. What does it put as housing? Well, they may have been like Zelle type stuff, so we wouldn't have known for sure. What's your rent? I don't pay rent. Oh, well, that's why. I'm surprised. You live at home? Yeah. Yeah.
Okay. I'll take a look at what that was. 8.3% went to your phone bill. $533. What the f***? Switch to helium, dude. $20 a month. We share one. Who's we? My family. So we all pay our part. But it comes out of your bill? No, they send me their part and it comes out of my account. That's a little risky, especially with...
$1,789.50 or 27.9% went to transportation. 1.9% went to necessary food, groceries. 1.9% where 11.8% or $759.12 went to going out to eat. 1.9% went to unknown shopping. That's typically Amazon's, Walmart. Things we can't tell what it is probably bulls**t in your case. 1.3% went to medical or healthcare. 0.4% went to subscriptions. $425.87 or 6.6% of spending went to miscellaneous bulls**t.
Stopping at the gas station, getting some bulls**t to do constantly extra. Other large purchases, $18.03, $1,173.81. Internet. Yeah, that one is also, it's like what, $1.25? Yeah.
Yeah, it was. Yeah, that one's... You pay that? That's your rent? That's shared between my brother, so half and half. So it's like 60 bucks. Okay, so they send it to you? Yeah. ATM withdrawals, $210. These are in the large purchases. Private security, $37. That was you getting recertified, right? Mm-hmm. Yeah. Waterboy.
CU of Texas transfer, $572.93. Hotel, Dallas College, we know where that's going. And Opportunity, Inc. What's that? Opportunity, Inc. Do you mind if I see that? Oh, yeah. Also, you told us you wanted to pay your debt off by the end of the year. I don't know. What the f*** are you thinking? Now with your spending habits, you're missing three payments in what we have out of the few debts we have.
So what was your mind behind that? How did you tell us you wanted to pay this off by the end of the year? Like that blows me away after going through all this. It's a lot. And it's a big... So how in your mind were you going to though? I was... At the beginning of the year, I think January, I kind of took a look at everything, like how you are now. But not that into detail. But...
I fell off a bit off of it, but I want to jump back on and... Oh, geez. And...
January was a couple months ago and you fell off immediately. So if we get you on, are you going to fall off in a month? I don't want to. I'm not going to tell you I'm going to because I don't want to promise you. Tell yourself. Promise yourself. We're going to send you through our budgeting program. It'll help you. There's lots of education and everything in there that helps you stick to a budget. Not just build, but stick to a budget and actually keep you motivated. And you have access to that forever and we're continuing to build on it. So go through that program.
So $125 divided by two. So $62.50. That's what you brought for your rent. That and groceries my dad pays for. But that's like he has no way of sending. He has that small bank from like Walmart, the United Bank that he uses. So he can't like receive or send money through Zelle or anything like that. I give him 50 bucks for groceries. Okay. And that's every two weeks.
Okay. And that's... How much for gas driving vroom vroom skirt skirt? I think average I fill up like once every five days. How much? I think it's $60 a tank right now with the way prices are going. Sounds like you fill up twice a month.
Five times a month. Yeah once every five days. That's all you drive a lot. Yeah $300. What's your car insurance? Do you pay for it? Yes, that one is That one's conjoined because we get a discount on it. What is your portion of car insurance? 230 okay 50 into food. I'm gonna give you an extra $100. This is your TP fund anything else you need to survive in life Do you have a gym? Yes, but I'm gonna cancel it why
uh so the thing is is you have to go like three times so the are you gonna switch to another gym yeah i'm gonna okay how much should we budget for uh i'm gonna go to finnish i think they do like ten dollars a month any other medical things on an ongoing basis on a monthly basis prescriptions therapy that kind of crap um no surprisingly and i got lucky okay so ten dollars a month for gym that's it subscriptions canceled
Buddy, it's your debt minimum monthly payments. Your actual needs. Your actual needs are so f***ing small. You've just ruined it. You've ruined it with your stupid debt. And you're going to stop clarning and going into debt for every single little f***ing purchase that has ever existed in the world. Buddy, you finance everything. Stop. Debt minimum monthly payments. Oh, what's your portion of the phone bill? Uh, 120. No, 150. Your portion? So, uh... 120? 120?
Let me switch to helium immediately. Your phone's financed, isn't it? Yep. Kill me. Your debt minimum monthly payments total $964.10. Anything else we have not accounted for that is in your budget that needs to be in your budget? As far as I know, no. You have no reason to be in debt. This is a joke. This is a little bit... Not only that. Not even... Not only that. Not only that.
But with $1,836.60 needed to live on a monthly basis, there is no excuse, no reason in this world that you are possibly missing any payments. That's a joke and it's legitimately upsetting to me.
$3,010 comes in on a monthly basis. $1,836 is necessary to live on a minimum monthly basis for you. You have an extra. You have a surplus of $1,174 a month. That is insane. And that's just irresponsible bad behavior. Yeah. Seeing it all. Yeah. I didn't even know that's how much I had.
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There's even extra perks like being able to get paid a couple days early. SoFi is what I use when I'm setting money aside and it is the banking app of the future. Sign up, link in the description below. I always want my money to be making more money, so don't lose money on yours. Here's the amount that you spent on these different restaurants in just this last month. Sheesh. Yeah. That's a lot. You have nothing on savings, correct?
building it but what do you have in savings like 300 okay well that's a start first month 1174 into saving plus that 300 almost a one month emergency fund let's call it that second month payoff home depot okay now after that we're gonna attack in the third month we're gonna start attacking best buy because it's gonna hit us in a crew that's gonna take one and a half months to pay off
That was month number three. So halfway through month number four, halfway through month number four, we throw some stuff at the Apple card. And then the next month, month number five, we fully pay off the Apple card. Month number six, seven, eight and a half, Bank of America paid off.
Minimum monthly payments are now starting to disappear. Eight and a half months in. It's great. We have an extra $1,300 probably left on a monthly basis. Personal loan. It's going to take an additional five months. Let's round it up. Let's call it 14 months total. A year and two months. Car, minimum monthly payments until it's paid off. So at that point, we're going to save up for a fully funded emergency fund, which is going to be $10,000 in your case because that's going to be larger than what it takes for you to live for six months.
We already have, so we need to save up an additional essentially another $8,500, $8,700. Okay, cool. Sorry, $8,800, $8,600. Okay, cool. Divide that by now, the additional 1,400 you have left over on a monthly basis. It's going to take six months. So this is a year.
Eight months. A year and eight months, you are bad debt-free. You have a fully funded emergency fund. You're halfway through 24 at that point. That's incredible. 24, 25. That's incredible. That's incredible. That's nothing. All the mistakes, all the stupidity, all the bad things you've done in your life is corrected in under two years. That is a blessing of a lifetime that you do not have to live the rest of your life.
up financially and you get to do that in less than two years which is a blessing of a lifetime so if you don't do it if you don't do it I'm going to have a hard time ever feeling bad for you if you don't do it take the blessing that many people would beg to have on this show beg to be able to get out of their bed to have a fully funded emergency fund in a year and eight months that's incredible that's insane that's amazing do it will you do it yeah that was not confident me
I will. No. I cut your spending out going out to eat. Zero. Yeah. I'm going to do it. Really? I'm going to do it. Okay. As they say, as my mom says, there's food at home. Yeah. You literally pay into it. Yeah. So there is food at home. Is it as good? No. Is it as fun? No. Not at all. And sorry, you're not paying for her school anymore either. I'm sorry.
It just doesn't happen. You can't. You gotta. You're not married. You gotta take care of your future, man. You've put yourself in such a bad hole. You're missing three payments. It's done. You've like you've thrown your life away already, but you don't have to because you can fix this in a year and eight months. Yeah. So what's the point? You know, may as well do it.
Under two years, your life has changed 20% into retirement. At that point, you're retiring a multimillionaire. It's incredible. The opportunities that are ahead of you are incredible. And I'm glad we were able to stop this at 23. But now it's the behavior and actions that you put behind this after this conversation. Sure, we connect you with resources, sir. We'll get you set up and all the favorite things. Like once you're ready to invest, I'll get you set up on Moo Moo and it'll be great. And there's so many things that are exciting that are ahead of you.
But from here, when you leave the store, it's all behavior and your choices. What would you, what do you want to, so these opportunities that I take, like, you know, do the, get the extra, so like working for the Dallas County elections. Yeah, sure. Any extra income is awesome. Any extra income is awesome.
So anything and everything you get, throw it at the mission at the time. And what we did was we didn't do smallest to largest. We attacked the much smaller Home Depot loan after the one-month emergency fund. And then we attacked the Best Buy card so that we could kill it before it doubles the balance by all that back interest accruing. And then we did smallest to largest from there and we left the car minimum with the payment. Then we took care of the rest of the six-month emergency fund, which was $10,000 in your case.
And then when you're thinking about your future, you need to decide what you want to do. If you're staying at this company, if you're switching careers, you need to figure out what you want to do. You need to dedicate your life to something. Yeah. You can change. Yes, you can change things. You can find new passions, but you're just flip flop and you're trying new things because you don't feel satisfied. Right now, this needs to be your passion. Stick to this job. Yes, if you can get commission, that's incredible. Prove yourself to the company. And if you don't get anything, then switch to another sales position potentially. But.
That is another potential red flag in this conversation and in this future. Sure, over the next two years, you get to change your life around, but are you going to stay at this job or are you not going to jump into something else, try to do real estate and throw money into that and not make anything? I don't know. You need to commit to this, be passionate about this. You need to commit to a career, be passionate about it. I'm not saying go get any career, do something you hate. No, but...
When you have a six-month emergency fund and no bad debt, you have so much more flexibility to be able to do what you want to do, even if it makes less money. Yeah. Earlier, about a year ago, I was actually considered getting another job to try to get it. Oh, okay. To try to throw at it. If you can, that's awesome. Yeah. So we're very close with our clients. So most of our clients are venues. Sure. And so...
Not practical, but with the private security license, I was thinking, hey, like, you know, hit up, you know, House of Blues. Say, hey, like, do you need like a security personnel for like concerts? Like, well, what's going on? Because they need more security people. I have the license for it. And I don't know what the income level is for that job. But I was thinking of doing that, like... Stand up. Okay. Are you willing to be on mic off camera?
The girlfriend of Mr. David, thank you for being willing to talk on mic for a second. So there were a lot of hard parts of this conversation. One of the main hard parts is that he can, he just simply, in order for his future to get out of debt, in order to fully commit, he might not be able to send that $150 a month to your school. What do you think about that? The truth is he doesn't pay for my school. Well, in the beginning I did, but now her aunt pays for it. My aunt pays for it. She sends me the $150.
To the card, the Chase card, and I pay it off. That's why it's on his card. So, like, my aunt is the one... Oh, how'd you tell me you were paying for it? In the beginning, I was. That's not what you said. Multiple things in this conversation, buddy. You were like, dude, this isn't a thing, and then it was a thing. Yeah, it was. Okay, so there's no issue with him not paying for it because he's not going to, right? Yeah. Okay. Now, he...
How long have you guys been dating? A year and a half. Okay. Are you going to be okay with him not taking you out on these lovely little paid for dates? Well, the funny thing is we also don't go on dates. I sacrificed all of that in order for him to pay off his debt. And like when he goes to like lunch for like work, I offer to make him lunch when he doesn't have groceries at home and he doesn't accept it. So...
I try to help when I can, but... What is this creature in front of me? What is happening here? What do you think about his spending habits and his, I'm going to get out of debt, dig myself out of this hole, get out of here by a year, not a year. And then his actions. What do you think about his actions? I mean, I know there was a potential talk of marriage and stuff that we talked about pre-show. Would you feel comfortable marrying someone who cannot manage his finances to save his life, like literally to save his life because he is not making his minimum payments?
So I recently found out about the debt. When we started dating, I had no idea that he was in debt.
So like a few months ago, he finally told me. And when I was working, I told him I could have helped him because I don't have any bills to pay. I don't want you to have. I told her no. I told her no. That I told her no, I don't. So one thing I agree with David on, he is correct. He needs to get out of this. You guys are not married. And he needs to be responsible and change his discipline because you could help him get out of debt and he'll get right back in it.
He needs to change his behavior. He needs to be disciplined. And he needs to grow the f*** for the first time in his life. Did you know he spends $759 a month on fast food? Not that much, but he does tend to eat out a lot. Like, before he did. But now, like, I've been on his f*** to, like, make lunch at home. Because it's, like, a waste of money going to lunch every single day at work. Okay. Okay.
Okay. I need you to continue being on his ass. I'm not talking about pegging. I need you to... That's not in the question. I need... My one request for you is to seriously hold him accountable.
As much as you guys are willing to in your relationship in a healthy way, if you're willing to share your finances and show your progress and allow her to be the person that holds you accountable, because sometimes that's what we need is an accountability buddy. Maybe there's something that you're doing in life, not financial related, that's not as great, and that he can equally hold you accountable on. Find a good balance, whatever's healthy for your relationship. But...
Did you know also that just the lack of boundaries and everything with his family, that is this allowing himself to go further into debt based on his family? Yeah. And we have a lot of arguments about that because he's very defensive about his family. But I tell them that it's an issue because he's going in debt for them instead of like trying to have a future for himself.
I would like her to hold you accountable as much as you guys can. She does. And I, well, then you need to be open and accept things. Yeah. The, the talks that she's mentioned that we've had a few months ago and, and leading up to now is been a lot of, uh, open honesty. I've like opened up a lot about it. Um, what do you guys argue about with the family stuff? I feel like it has to be just so reasonable. Just don't put up the barriers. What's the argument?
I guess how often I'm with, like the way I like, I drop things for my family. Like, you know, I do like the way I do anything for my family, like regardless of what's going on. And girlfriend? It's more of like, he doesn't set boundaries. Like have you have seen like the Best Buy stuff? It's mostly his mom's stuff. Like the MacBook is his, but like, I think she has like appliances and
On the car that he pays or like... No, she's... My mom paid that off. So the... It's still so risky. They are adults. They are adults. Don't enable whatever behavior they are doing. So the only like caveat around that is that my mom is also not from here. She's not legally from here. I mean, that has to be very dangerous. How are you guys navigating this?
Well with what's been going on lately. Yeah, she was she was hesitant to come with me today So and with my mom
She just recently had my brother. So she just got back to working again. She cleans houses. I know there's a new law in Texas. Yeah. Deporting people who are here illegally. It's currently on pause in the lower court. That's the only reason why she was comfortable to come in here because it was paused. It's on pause. Okay. All right. I need you guys to hold each other accountable. I don't want arguments. Be open-minded. Listen. Mm-hmm.
And hold his accountable to his spending because if you guys are getting married, he's putting your future not only delayed but at risk. He's putting your future finances at risk and it's as bad. And if he's going into a marriage with you and his behavior around finances is going to drag you down, then it's not fair to her. I don't want to do that. I told her I don't want to do that.
And you wanted to be out of debt, but you've done nothing to do that. So I need your behavior to change now. I need you to be an adult. And I want you to actually listen to her when she's trying to hold you accountable. Yeah. Make sure to stick around for the post show, everyone. We're going to have some fun conversations there. But let's get your hammer financial score. Spending in a budget, that was absolutely ridiculous. But I am glad to see some money went to debt, but we are missing payments on debt. So nah. Spending in a budget, 2 out of 10. Debt.
because you're missing payments one out of ten. It would be higher because it's not like the worst debt in the world. Emergency fund, just started. I'll give you one out of ten. Retirement for your age, I'm happy to see it get started. A little behind, but, you know, if we're thinking about college and everything, I'm actually going to put you an average five out of ten. Mm-hmm.
Real estate, zero out of ten, and don't get into real estate. Hammer Financial Score, ladies and gentlemen, of Mr. David, two out of ten. 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. Stick around for the post show.
Today on the Financial Audit Post Show. In my defense, they weren't really that bad, but okay. Whoa. What the f*** are you talking about? You're missing payments. Girlfriend, is that bad? Yeah. Yeah. What do you mean it's not bad to miss payments? To watch the Financial Audit Post Show, click the join button below.
