Financial Audit - $350,000+ Of LGBT Debt | Financial Audit

Episode Date: August 11, 2025

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Hi, my name is Trey. I'm 30 from Tampa, Florida. And this is financial audit. Welcome over from Florida, sir. So what are you doing in Florida for a living? So I work in marketing for a telecommunication company. And I've been doing that for a couple years now. Good. What are you making? So it's about 87.5 is what I make pre-taxed. that's great yeah what is going wrong because that is great

what hits your account on a monthly basis so it's about five grand a month okay cool well yeah okay I mean are you getting some heavy some heavy hits you know I mean 5,000 a month yeah so that's gonna be after any sort of

deduction no actually that makes sense no that does make sense so how you live in on 5,000 and in all Tampa Bay it's not uberly cheap but it's also not like the hyper most expensive parts of Florida. It's pretty expensive, actually. It's pretty expensive, though.

Yeah, I mean, you know, comparative to like other places like Orlando or Miami, I mean, it's up there, man. Really? You're Miami? Yeah. Oh, Orlando, I would definitely say, yeah. I mean, recently they were saying that it's like $90,000

for a single family home, you know, for the income. So, you know, I'm close. You're at 85. Yeah, yeah. What is actually the problem? What the fuck is going on? So, you know, as we take a little deep dive and what's going on, I'm sure you'll see it.

But I do have kind of a house. housing situation going on right now that I hope to... What? So it's kind of a house that's on the verge of foreclosure. How were you on the verge of foreclosure? So it was... I wouldn't be laughing, but I appreciate it. I don't want to laugh about the situation.

It was kind of unfortunate. It's with an ex and all that kind of stuff. And, you know, the mortgage went unpaid for a couple months because she was limited in it by itself. She? Yeah. I was picking up pee vibes, but that's okay. Keep going.

You know, it's just, you know, I'm... confident about my manly self, you know, got skin routine. So, yeah, that was not why. Yeah, no. So, yeah, I mean, I love being in the area, but, you know, I didn't like the relationship. So I had to move out. Because she was a woman. Yeah. Okay. So you guys got it together. Is she on the mortgage? Yeah, so basically what happened. She was on the mortgage. Then why wouldn't she want to not for credit and pay parts of it? You know, I actually, yeah, just tell me what's going. Yeah, I'll tell you what's going on. So we bought the house. So we bought the house. You just hit me with one of these.

Yeah. I'm telling you, man. So I bought the house in August of 2023 with her after we had, you know, a minor breakup. We got back together and I was like, hey, you know, let's buy a house, build some equity. Minor breakup. Yeah. How long? Probably a couple months.

Just wanted to bottom a little bit. Yeah, just, you know, like two months, whatever. So when we got back together, I was like, all right, you know, we need to start building some equity eventually. And, you know, the housing market is not going to get any better. So might as well buy a house. well, Bill Smekwood and whatnot. Yeah, so. I'm sorry.

I don't know if you said about, how long were you guys together at that point? It was a little over like two and a half years, three years, why not marriage then before getting a house together? I was a little skeptical about marriage, but I want to see. Then yeah, let's get on a mortgage together.

I know, yeah. So it was just kind of in the moment. I was like, hey man, you know, let's... Even calls her a man. He's really dreaming about it. So when we bought the house, It was up in Holiday, Florida, which is actually not the best city or county whatsoever, but, you know, we got what we wanted.

It was a three-bedroom, two-bath, to a car garage. Yeah, but that's not the spur of the moment. You still have to look for a house. Yeah, yeah. You still have to apply for loans. Yeah. By the best rate, that's not just an immediate thing. Yeah, so we did some searching for the houses.

We spent a couple months researching, and, you know, we came across this house and had everything that we wanted. Why did she want to get into this with you? Did she see marriage? I think she did. So why did you fuck her over like that then? I didn't think I fucked her over. You know, I had the...

You didn't think you fucked her over? Yeah, I mean, I bought the house with the intentions of being there, you know, for a long time. Okay. But the house, not the relationship. Yeah, so we lived in the house for a couple months,

and then we ended up breaking up. So it just was... It was a couple months. And to be clear, both of you on the mortgage. So, yes, we were both. on the mortgage because I had a co-signed for it. Were? Yes. Well, I'm still on the mortgage, yes.

And so is she still on the mortgage? Yeah, she's still on the mortgage. When did you guys break up? It was April of 24, if I'm not mistaken. Okay, so over a year ago. Yeah. Decently over, like a year and a quarter ago. Yeah, and the issue that we had with it was, I wasn't on the deed.

She was. So I had no ownership of the property, but I was tied to it through the mortgage. Interesting. So we had this verbal agreement that she would live at the house, continue to pay the mortgage, and that's how it was for, you know, up until early 2025. So who moved out? I did. What, what's your living situation? So are you paying double rent?

No, so actually my parents are very... You moved in with your parents at 30. I did, yeah. Yeah, I love saying that. Hey, ma, can we get some meat love? No, so... Yeah. So they have been very fortunate and letting me live at home.

And that's been able to let me build some cash to... Wait, why is the house not sold? Did you guys want to sell the house? Have you seen the market recently? It's not great. But if you're about to get... What would you rather do, sell a house or get foreclosed? Oh, I would love to sell the house.

Why haven't you guys sold the house? It's on the market right now. It's on the market right now. Oh, price cut $10,000. I just pulled it up. Yeah, small house under 1,500 square fee. That makes it definitely harder to sell for sure. Yeah, and the whole neighborhood is for sale.

a whole neighborhood. And it's, well, is that in a literal? Not in a literal sense, but there's multiple homes like listed for that in that neighborhood. Yeah, no. I mean, Texas and Florida

have a supply surplus for sure. So, falling housing, we just hit literally this morning, record high housing prices in the United States with Florida and Texas are falling because we're allowing builders

to build in those places. Yeah, I mean, looks honestly kind of like a not great place. Yeah. And I get weekly updates from the realtor and they always tell me, hey, you know, there's X amount of views over the past week.

There's been this many saves. So what's this foreclosure risk? So, oh my gosh. Okay. So what did you buy it for? So we bought it at 350. And that included a down payment assistance. Which, by the way, it was listed for at that point.

So it was $3.35 when we bought it. And then we had a down payment assistance. And then you guys listed it for sale. 385, dropped it to $3.75. Now $3.65. That is showing to a buyer that you are willing to drop it to about. 335. Yeah.

And I hope that doesn't get to that point because at that point we would rather do a deed in lieu. Why did you guys break up? So the reason why we broke up, we just weren't seeing eye to eye. We had different paths. Right after you guys moved in together

and got on a mortgage together? You know, it's kind of one of those things to, you know, maybe this is a spark that we needed to get into a house and continue the relationship. You told Lindsay, you guys got into a scuffle. We did. Yeah, we did get into a scuffle.

You and a woman. Yes, me and a woman. And to a scuffle. Yes. You beat her? No, not a physical scuffle. I would never beat a woman. What the fuck else is the scuffle?

A verbal argument. What do you mean? I don't think that's what a scuffle is. We had a verbal argument. Okay, about what? Because this is, that was such a big decision to make when you guys are on a house together.

When you deal with a person who is so ignorant of the situation and they're just not seeing, yes, yes. Okay, yeah. And they just don't see eye to eye. And no matter how much you talk to them, it always leads to an argument. What were we discussing?

So it could literally be anything. And, you know, it was just being with this person was so annoying. And it was just, I could not be with her. The person he was with her for two and a half years before getting on a mortgage with her and then broke up after two months of closing the house. What the fuck are you talking about? At the time, I was like, I need a buy home. When did you decide you were breaking up with her? Was it before the mortgage or after the mortgage?

It was after the mortgage. Really? And how quickly did you break up at the house? deciding you were going to break up. It was in 2024 when I decided to break up there. And she lives there now? No. So I didn't get to that part.

So, 2020 for $2,000. Because, what kind of tax? Okay, because, yeah. So they hadn't been collecting enough for escrow.

So there was a tax bill of $5,000. And she had no idea about this. She was not educated on it. Well, yeah. I mean, it probably jumped up because a new purchase. I'm sure they were homesteading before. Yeah.

And so she, She never filed for homestead. And what in 2020? Wait, how long was the house owned at that point? So we bought it in August. So what is that? Well, there have been homesteading at that point. I'm just talking to probably jump up from the previous owner.

The assessment from the previous owner. And they falsely assessed it from the mortgage standpoint. Yeah, they very well could have been. I had no idea. Okay, keep going. Yeah. So we ended up breaking up and she got the tax bill and she reached out to me and she's like, what is this?

Why is the mortgage payment going up a couple hundred bucks a month? What is the mortgage payment? After the tax bill, $3,400 a month. Just now? $3,400 a month. Well, the fuck is your rate. Yeah, the property tax must be substantial. That is, yeah, that's not great.

Okay. No, it wasn't good. And prior to the tax bill, it was about $28. Yeah, you couldn't afford that on your own for sure. No, no. So it was about $2,800 prior to that. So I was giving in about $1,600 for my half, including expenses. I'm going to call her in the post show.

Good luck. There is no way around it. Yeah, but I want to hear her perspective because it essentially called her a bitch. She was like, oh, she's a v-a-a-b-b-ch. And I had to break up with her because of that. I'm not going to lie to you. She is. You know, she is kind of a bitch to deal with.

And, you know, we're still dealing with the price cuts of the house. And I told her, I was like, listen, this house is going to end up short-selling or it's going to go to deed and loo. And what's her philosophy of the current cell? She doesn't care, honestly, and this is what I was going to cover. So in February of this year, she just completely stopped paying the mortgage because I told her, like, listen. What the fuck? Yeah, it was January. I told her, like, listen, this is a good opportunity for us to look at selling the house.

We obviously are not going to keep this. We can go on our separate ways. What's your relationship right now? We hate each other. Oh, what is? What is with these toxic breakups? I'll never get out. ever had a toxic breakup.

Yeah. What the fuck is wrong with you people? But I'll be honest, Caleb. I'm glad that that relationship happened because of the current relationship that I'm in is probably the best one I've ever been in. Not even probably. It is the best relationship that I've been in. Okay, he's finally taking it up the ass and he's super proud of it.

Okay. We all get it. No. So after I told her that, like, listen, we got to sell this house. And she had this recommendation that her friends could move in and they would pay rent in that I just needed to help putting together a lease agreement for renter. And I told her, absolutely not, because then we're liable for all the stuff that happens if something breaks.

I'm like, no, you can't afford this. You can barely afford an apartment on your own. So why do you think that being a landlord would be a better decision? Yeah, I mean, it's hard. I can understand the desire to temporarily do it until the market recovers in the area. So it's not like the ultimate worst take, but it definitely, I mean, co-ownership and a mortgage together, co-landlording, broken up, combative relationship, then having to actively manage it yourself unless you get a property manager,

which would take about 10 to 15%. Right. But even still, it might not have been the worst option. Well, I mean, and that could be an option, but after I had mentioned that to her, I was like, listen, this is not going to work whatsoever. Like, we need to sell a house. I was not in a position to say anything because I wasn't on the deed of the house.

So I couldn't list it for sale. after that communication, she completely stopped talking to me whatsoever. And then that's why? I don't know. Oh, come on. Why? Connect some doubts. No, I really have no idea.

After I had mentioned that, it was about a couple weeks later, I was at an event, and I got a notification that my credit score had gotten a huge impact. And it was because she had missed the payments. So you pay her and then she makes the full? Yeah. So I would pay her my half. It was the 60-on. So retribution?

whatever you want to call it. Well, I don't know, but I'm also only getting your perspective. And no offense, but I don't trust most people on the show. So her name was on the utilities. Her name was, you know, on the deed and the mortgage. So I would just send her my half and then she'd make the payment. Yeah, and I understand you're making it all about her. But listen, you're fucking horrible debt.

So this obviously, you are not good with money. So like, I'm just hyper skeptical of what you're saying. Yeah. Okay, maybe she accidentally missed the mortgage. Well, no. She didn't accidentally miss the mortgage. She wasn't paying it on purpose. I think we're at three months.

Currently. Yes. Currently, it's still unpaid to this point. Have you contacted the bank. I've contacted a mortgage company multiple times. I have explained the situation multiple times. She had finally reached out to me about three months after the mortgage not being paid, saying that the house is now vacant.

The keys are on the table. I don't give up what you do with this house. and the very next day my parents and I we went up to the house we secured the keys we locked the house down and I said all right

I need you to be in communication with me because we need to transfer the deed from your name to my name to which she was cooperative in that capacity so she signed everything over after a long battle of you know well good okay so now the homes listed

and it's going down to value and you're obviously going to be on at least under your purchase price So how much did you guys put down? Nothing. Okay, so you're going to have to, where are you coming up with the extra money to pay off the debt when the house is sold? That's kind of where we're at right now. You know, as of last week when I contacted the realtor, they brought it up to me.

They're like, hey, you might have to come, you know, with some money to closing, you know, if we end up short selling this property. I was like, all right. You're going to have to come with a lot of money. And you're already horrendous dead, dude. You're already horrendous dead. How much bad debt you think you have? How much bad day you think you have? That's outside of the mortgage, big guy.

Honestly, I think it's about $40,000 altogether, if I'm not mistaken. $54,000. How are you coming up in an extra $20, $30, $40,000 to finish this thing out? No. What the fuck you're talking about? It's like 6% for realtors. And then you're going to sell under your purchase price. And you don't even know how far this is going to fall before you actually get a buyer. Right now is the buyer's market more than it is the seller's market.

And I agree with you on that. So what the fuck you're talking about? You don't know how much it's going to happen. Okay. What are you going to do? Are you going to? 100%. If I have to do that, then yes, I would.

And that's kind of what I, that's where I'm at right now. And that's what I think about. Why are you against the potential rent, give up 10, 15%, let a rental property manager take it over? So let's say if, for example, that you get somebody to move into this house. They're not going to pay $3,400 for a rental like that. No, you're going to still have to probably pay at least half, but then you might be able to eventually sell this at some point of profit.

Market recovery, if rates go down, buddy, I bet that market's taken off. I agree. Yeah. No, 100%. And the problem is, let's say I do get a renter in there and the house sells within three months. What happens then?

That person has to move out. The house is staged ready and we are constantly having open houses to get people to come in. It doesn't matter, buddy. You've already dropped it by, what, 2030? It's probably going to be another 2030 from there. I just, okay.

Yeah, it's not, it's definitely been one of the worst financial mistakes that I've made. Yeah, you're probably, broke up with her immediately, no shit. But again, I feel, I understand, okay,

maybe she is a little bit of a bomb and she fucked this situation, okay, for the past few months, but that still doesn't excuse me $55,000 of bad debt. Why the fuck are you in so much bad debt? A lot of it came from my 20s, if I'm being honest.

And there is... Okay, then why is it not gone? Because... 20s was definitely spending way more than... Yeah, in your 20s. Okay, you're 30 now, so why is it not gone?

I'm working on it. I don't think so. I bet you're continuing that. Yeah, I just don't know what to do with it. You don't know what to do with your debt? No, I just don't know how to pay it off or the right way to do it. It's putting money towards it and cutting back on bullshit. What's the complication?

So I'm just trying to figure out the right way to do it. You know, I've heard these different methods like the snowball method and the avalanche method. But, you know, it's like, honestly, I'm not sure where to start with it. Well, they told me you're trying to invest all your money instead of paying off your debt instead. Yeah. That's what they're typing to me right now. So that's actually a lie. It's not your lack of understanding on debt payoff strategy.

just throwing all your money towards investments. Yeah. Which doesn't make sense. What the fuck are you getting that's going to be more than a 30% straight out of credit card? Well, I'm trying to, you know, work towards retirement because, I mean, if you're getting your 8% from your S&P and you're maxing out your Roth, is it 10 now or is it, is it 8?

Because I've kind of heard both. Overall market is 8. So we'll do an average of 9%, and all that kind of stuff. So if we are investing that, it compounds over time. It sure does. And so does that 30% on your credit card. Yeah, but obviously I plan on paying off my credit cards before I'm 60. obviously.

Yeah. But yet you have not. You're not, what's bigger, 30 or 10? I'm so confused. Well, 30 or big, obviously. Okay, that is going to compound more. That's true. That's true.

Okay, so what the fuck are you doing? Why would you not be paying off a higher interest rate debt than a higher interest you're getting on the returns for your investments? Because I have to work towards retirement. I agree. So pay off your high interest debt, get a fully foot on an emergency fund. And then if I pay my cards off, then I have nothing. but if I'm pointing towards my retirement, at least it's investing in the stock market.

Yes, it is, but you're still losing more money net. Why, I plan on paying off my cards before then, Caleb. No, no, no, no, no. It's just the money over time, buddy. You're not making up the difference. You're not making up the difference. If you pay off your credit cards now, instead of losing 30% for the next 10, 20 years,

you can then throw the money in the market and let that grow afterwards. Yeah, well, you know, I plan on making more money as I get older. So, I mean, I'm going to be a little. able to pay that off faster, right? Or you'd be able to invest more. I'm confused.

If there's a 5% interest credit card, you're right. It's not. I don't really know much more about investing except for retirement, like S&P and all that kind of stuff. What's the question? What's the point? I'm confused. Yeah.

Well, what I'm saying is like you're saying invest more, but how do you invest more beyond your 401k or not your 401K or Roth IRA? What about your 401K? What? Right now I actually don't have a 401k. Your business, the business you work for does not offer. They do offer it, yeah. I just...

Well, I think you just answered your question. What are you doing? I'm so confused. I mean, you just, you know the answer. That's the answer. Yeah. But I, you know, I'm really trying to look into like other options. I just don't know what's up there.

Other options? Other options of retirement or... What are you talking about? I don't know what you're saying. Yeah, well, that's what I'm trying to get to. Okay. You said, I don't know other than my... IRA, okay, we know there's a 401K, okay, you didn't sign out for so the answer is the 401k.

What's this other thing you're looking for? So let's say like you max out your 401k, you max out your Roth IRA. And you're on the right track. What's that? What's after that? Well, you can also just open up an individual brokerage if you want. You're not going to necessarily get certain tax advantage things there. But even still, you can grow.

But if you're maxing out your 401k and your IRA at your income level, you're putting enough towards retirement. You don't need to put extra. Let's talk about student loans. I know it's something we all want to avoid talking about. But if your private student loans are correct. you, why refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most

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or call AAA-E-R-E-F-Y-Fi-S-E-E-FY-E-FY-E-FY-E-E-E-FY-E-A-T, break free from the high-interest trap and get your finances under control once and for all. Well, I mean, but what else is there to work towards at that point? Fun! You get to have fun. But that's not where you are. You have $55,000 of bad debt, so what the fuck are you talking about? That shouldn't be the concern regardless. This is bad debt that is a growing interest, and you're going to have to fork up $10, $20, $30,000 in order to pay off a potential mortgage if you don't get everything

done the exact way you want. Well, believe me, it's going to be half that because I'm going to hold her liable to it. Because she is still attached to that mortgage and she's not attached to that. Yeah, potentially, but the legal fees can come up with that extra cost anyway. Do you think that would be more than what the... I don't know. Depends what you sell it for. Depends what you sell it for.

But corny ain't cheap. Corning cheap? It's not. It's not cheap. It's not cheap. So, I mean, yes, I agree. she should pay her part, but I don't know, man. I don't know what you're going to sell for.

I don't even know when you're going to sell it. I don't even know if you're going to accept a low price with how low the market might demand at that time. Honestly, I'm trying. I'm trying to sell this house. There's not much more you can do than just adjust it to the market price. And that's what we're doing. It is, but you don't know what that is yet. So right now we are the most expensive per square foot in the neighborhood.

Wonderful. Sounds like it's great. I'm not saying it's a good thing. And why are you doing it? because we're adjusting the price to be more competitive. And that's why that recent $10,000 was put down there. When you see the panic drop in prices, even twice in one month, they're going to lowball the fuck out of you.

You're not going to get any reasonable offers. Well, I did tell them not to lower it until the next month. So that way it was more competitive. This is how the buyer works, man. You've got to go through our real estate program. I mean, that's ridiculous. You're starting way too high over market. Those are the people that have to sell lower.

I didn't even offer that price or recommend that price. You did. Your realtor? Yeah. You had a bad realtor. Yeah. Apparently, she's the number. one realtor in Florida.

And she recommends the price. I was like, okay, well, you're the expert in this, so mine as well. And since then, we've already cut it twice. Yeah, I don't know. And number one according to what? We've had two showings. We've had two scheduled showings. Because they're overpriced, the dumb tit.

Of course. This is not, I mean, she is not the realtor to have. Listen, buddy, this might have to go off the market for like six months, 12 months and put it back on under reasonable price in order for it to adjust. At that point, it would go into foreclosure, whatever. actually would. Yes, you f*** yourself double. Yeah, so that's what I'm trying to figure out. And that's why the short sale is the current option. And that's why- But you're living at home now. I know you have debt minimum monthly payments, of course. But even still the mortgage, you actually, even though it's a horrible chunk of your net, because you live a horrible chunk of your net. Because you live a home, because you would be able to do, technically afford it if you need it to. It's $3,400. If I'm making $5,000, then that's $16. Exactly. It's insane. But you have no overhead because you live at home. Other than that, it's just the other debt, minimumty payments, which I don't know what they stack up to yet.

I mean, after the dead minimums, I think it would cover the entire month of my income. There you go. So that's that. But you have no overhead. You don't need to have fun. I know I don't have overhead.

Okay. And you don't need to have fun. Like gas, food, all that other stuff. Well, that's overhead. Okay. Would you not be able to afford that in your minimum month is? No. We would have to see it at the end.

I don't know, man. But even still, if you rented it out for half, you could cover half. You were covering half. And I'm not saying that's what we want to do, but I just think you're going to get f***ed on this house. housing situation. You know, and it's going to come down to what we could get if it was renting at that point.

And if it's even worth doing, you know, if we sell the house in a couple months, then, you know, that kind of fucks. A couple months after dropping another 20K with zero equity in the house already? Yeah. Okay. It's a, it's a f*** situation. Oh, if you have a f***er. Go to Calebhammer.com slash apply income on the show. What do you think your score is zero to ten?

Zero being the worst finances, 10 being the best finances. I only say a two. Okay. If you want your financial score, financial assessment, take that assessment to Calebhammer.com or click the link below. Also, if you don't want to be like a guest who shows up on the show, download the dollar-wise budgeting app. We made it specifically for you, specifically for me. Sign up for the free trial and then take the annual if you want to save a lot of money and get our budget-friendly cookbook signed by me mailed directly to you. And if you want to bundle all of our education with the premium version, you can also sign up for our premium program, dollar-wise central, which includes all of that bundled for 80% off dollarwise.com.

click the link below. Okay, so you're living with parents for a year or two at this point. You want to go into an MBA program. You haven't even finished your marketing degree thing that you're in. Yeah, it's my second degree. Are you getting a second degree?

What are you doing? You already made good money. What are you trying to do? So the first degree was in management and that was paid for it through a scholarship. But the second degree is marketing because my GPA was after I graduated. Well, if you go into the master's program,

oh, to get into your master's program. Yeah, you got to have like a thing. I was looking at like entry level for the NBA and it was a 3.0 GPA. You had to have all these scores and through the marketing program. Also, I heard you're a douchebag. Yeah, I could, I could definitely get that. You have this souped up car that is costing an stupid amount of money and you just refuse to get rid of it. Why?

Why? If you can't afford to live, I don't give a shit about your dream. I care about you living. It's a dream car that I've always wanted. I don't give a fuck I care about you living. I've always hated, but you know, people with Mustangs and that's what it is. Well, it's a Mustang. It's not that exciting.

as far as dream cars go, I'll be completely honest. Oh, believe me. I would love to get into a different vehicle. Good, it's not your dream car, so let's get rid of it. But I'm not going to sell the Mustang. Why the f-not? Because, like I said, it's a dream car. I'm not going to sell the car.

If you can't afford to live and you're about to get foreclosed on, get rid of the car. It's paid off. Yeah, but you're pumping an endless amount of money into it. Oh, not. Come on, buddy. You got a $1,200-dollar injector purchase. You're endlessly getting parts to modify it.

So I will speak on that. You wouldn't even send us the van. you're the first one ever to never send us the vinn. Why the f-won't you send us the vint so we can get the value? Because I was so determined that I'm not going to sell this car. And what's the fucking on a show where someone tells you what you should probably do? Because with the injector, I'm going to just speak really quick on the injectors. I have returned those, but I swapped them out for other parts for maintenance and all that kind of stuff.

What's the car worth? I would say about 23, 24. Good. Sell it. Get a $10,000 car. take care of your debt. The rest of it, I mean,

Ray, goes to pain off a fifth of your debt. That wouldn't even put a dent. It accelerates. A fifth is a dent, you dumb tit. That accelerates that progress really quick.

It gets rid of minimum of payments that we snowballed to it. You live at home as a 30-year-old. I don't give a fuck about your Mustang. That's a pretty nice Mustang. I'm not going to lie. Yeah. You live at home with your parents at 30.

You're a little boy. Yeah. No, I definitely am not proud of living out of my for your hot wheels over having any sort of independence. You know, with all the points that I put into a car, you know, I would thought that maybe it's valued a lot higher than 23, 24. Okay, well, it's probably not because no one gives a, yeah.

No, I completely agree, but it's like why sell it, you know, I need a mode of transportation. So that you can start pay off debt? I have my... You need a motor transportation? You'd get a $1,000 car. That's paying towards my debt. You're not, buddy, how much came in last month? $5,000.

How much was spent last month? I'd have to say. 4,000. 8,6, so you have no idea what the that is math. That is what was added up. I would love to go into how. We certainly will. What do you think happens on this show? So, you're spending way more than you make. Paying off debt, what the you're talking about? You're not paying off debt? You're not a debt pay offer? Yeah, if you go through my record. You paid a minimum wage payment to this first

debt we're talking about. It takes 26 years to pay off. Shut the fuck. And, you know, if this is the card that I'm thinking about, is this the reflect card? Yes. Yeah. Okay. So this card was a debt transfer. Great. So instead of paying off debt, and that's what you consider paying off debt, all we do is

just move debt. I didn't say that was me paying off debt with that. You said you're paying off debt. I am paying off debt, but that card is from something that I did about two years ago. Wonderful. 0% interest period just handed. It did. Yeah.

I have been... Paying off debt. Spending more than we make. F*** off. The number one YouTube membership. Just Got upgraded. And for this final week, you can join for free.

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And we'll reimburse you for the first month for the $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. this what is it for you? Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay. It's worth it. Yeah, it is. This is the final week to join Hammer Elite,

the best membership on YouTube for free. What are you talking about, dude? What are you talking about? Miscellaneous bullshit alone was $2,000. Going out to eat was $700. That's crazy. Shut the fuck up. That is your math.

That is your normal shit. I'm living with mommy and daddy. Are they charging you rent? No, they're not. 30-year-old baby preferring jerking off to his Mustang than having any sort of independence. They would rather me get into a position where I can pay off debt by living hard without paying rent. You are in a position to pay off debt and you're not. I am paying off.

You are literally not. Shut the fuck up. No. You put a minimum monthly payment to it. You're jerking off to a Mustang. That's all that's happening. Well, I'm doing more than just paying off the minimum. Not on that card.

That is the minimum payment. But, you know, I'm paying off. I don't want to get foreclosed on. I don't want to hear it. It's not a good position. No, it is not. yet it is the position that you are allowing and choosing. I just went over $2,000 of miscellaneous to spending, $700 going out to eat.

Shut up. That within itself is $2,700 of bullshit spending. You bring in $5,000, that is over half of your spending. What the fuck are you talking about? You don't know what you're talking about. I would love to figure out. Clearly not because you didn't know how much you spend. But I know it's very loosely.

Then why? What's the point? What's the way to budgeting without budgeting? I mean, I've heard about this whole like 50, 30, 20, you know, like with the needs wants and saving and all that kind of stuff. But that's like really the gist of it. I've tried it before. You're in bad debt. You wouldn't be 50, 30, 20.

You'd be paying off debt like crazy, getting a fully funded emergency fund and then 50, 30 20. I listen to like the whole David Ramsey stuff. And like, I have the app on my phone. Kill you. But like, it doesn't let me track all the cards that I have. Okay, then use ours. It probably does. Well, what is it?

I'll download it. So you use the app doesn't connect to your car, so you can submit manual purchases if you need to if you want to use his budgeting app. That's fine. What's wrong with that? It does the transactions and all that, but it doesn't allow you to add the card to where you can automatically do your purchases through that. So it just was just through his budgeting app? No. What I'm saying is it wouldn't let me link my account. And it's for the Apple card is what I'm talking about.

Apple card doesn't allow account connections. Yeah. So that was the issue that was adding. That's not budgeting. Yeah. So it was the Apple card that was giving me that issue. so I just stopped using your statements and it still works. Well, I just stopped using it at that point.

So you've given up because the Apple card doesn't work. I wasn't giving up necessarily. You didn't know how much you spent last month. I figured that I could figure my spending myself. You didn't know how much you spent last month. Yeah. And I didn't know that. I thought I was spending under what I was making.

Objectively not. Buddy, I don't know. This is just a transfer. You're not paying off debt. You're transferring debt. So Wells Fargo Reflect Visa. card. It's called the reflect card. Okay. Well, on this card alone,

you owe $12,333.94 with a minimum monthly payment of $124 now. And that's all, of course, you made last month, even though interest is starting to accrue right now. And that's before the interest. I think I looked at it recently. Yeah, now the interest is charging like $300 something. Yeah. It's going

crazy. Yeah. Which means your minimum, what, is that like $3.50? Just about, yeah. It's like $3.25. That's your new minimum. Great. even worse. I don't know how you'd survive that with your mortgage payment. 325. Getting in a house with... You see the situation that I'm in, though, with the mortgage? It's like, if I pay it, then I had no money.

And I don't have any money to pay towards my minimum debts. I know that now, but listen, buddy, we just saw what you spent on miscellaneous bullshit going out to eat. Like, shut up. That's objectively what you were doing. Yeah, and that's why... There's no way that I spent that much. I would love to go through the transactions.

What do you think? the show is and what happens from here. That's what we're doing. Let's get to it. That's good to it. Because that's not the card. I'm going through the document order that is placed in front of me. You moron. You think you're the

producer of the show? I don't know what you think is going on here. No, but Lindsay is the best. I know you're a big travel person as well and you're endlessly just going to EDM concerts doing VIP. You'll only go VIP because you need the exclusivity. So we transferred that. We can go to VIP bullshit shows. Listen, have you been to an EDM concert?

Why would I? It's amazing. Are you kidding me? It's the best. Have you ever listened to any EDM music? Yes, I'm doing it right now. That's pretty good, actually. You might be the next top hit.

Okay, I don't know what I get out of that. I do go to music at Austin City Lemon's Music Festival because there's a wider diversity of music than just... I don't think I've ever listened to that music or like what that festival is. Okay, that's fine. I don't care. But why the fuck are you living a home jacking off to a car, spending bullshit endlessly going VIP experiences of festivals all over the country? Who do you think you are?

Well, I love the experience. I love being able to travel and go to these concerts. Mama's boy being enabled to just go fick around and destroy his life. Poor new girlfriend being dragged down, girlfriend. She is a sweetheart. I love her to death. Who the fuck are you to go VIP to all these experiences around the country? I never said that I do all VIPs for this.

I just buy a ticket for it. the person you love Lindsay. Yeah. I mean, like she does these upgrades for these tickets every once in a while. Who does these upgrades for these? My girlfriend does.

They you pay for her? Sometimes she pays for it. Sometimes I do. But you live at home. You live at home and you said my parents support my ability to stay home as long as I pay off my debt. You're going VIP to concerts.

What are you talking about? It's not that often that I go. How often then? Maybe like three, four times a year. That's insane. Once a quarter is crazy. If you're living at home at 30, You want to know insane?

I went seven times. I don't get her. Shut the fuck off. Your girlfriend, does she live at home? No, she has her own place. Oh, great. So she's the leader of the relationship.

She's the mature one. She's the one that's actually getting done. Yeah, she does get her shit done. She's, uh... How old is she? She's 35. Great. Okay.

Yeah, she's a great professional. She's really good at what she does for her job. And why is she actually with an illiteral child like yourself? I don't know. I can, I don't know. if I was funny or if I was just like super attractive. We met on Hinge and she sent me here the rose. So I mean, she saw something to me.

But you know, it's one of the things where like you go to on your first day and you just know a story person. And we just kind of hit it off. I don't care about your love story. That's fine. That's wonderful. No, I'm asking about how she lives. And we'll give a about your love story.

Dude. Okay. Great. So I don't know why she's staying with you. Good luck on this marriage situation. if you guys ever get there. The fact that interest has just started hitting on this now. What if you communicated your financial situation with her?

So actually, when I got the word that was going to be on the show, I realized that now would be a good time to talk about this. That's what it always happens. What it always happens. I'm about to get exposed online. Yeah, I better come clean about all this. So we do realize that we're both kind of in a bad financial spot. Both?

You just said she was doing great. Yeah, she does great. great. She makes good money, but, you know, she also does have her debts as well. Then that's not great. Well, you know, it's kind of something this is our wake-up call for this. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting $179, like the next grill 3-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard.

Then set the scene with Hampton Bay string lights that bring it all together. shop spring backyard days for seven days at the Home Depot now through May 6th Exclusion supplies to homedipo.com slash price match for details Yeah after this show we're gonna You told me at $40,000 of bad debt it was 56 You don't even know you're on financial situation and you're trying to tell me you told her Yeah no I told her about my debts and all that kind of stuff I said listen how many debt you had how much? I told her I was like listen it's not gonna be pretty

Okay and you know we're gonna work on this and we're gonna get through it So you're not going to a VIP EDM concert. I actually have a couple of plans. Exactly. So shut the fuck up. You're not cutting back on anything. You just want to be douchbag running around. I want to have fun.

You know, it's like. No shit. So you're just going to live at home forever, mama's little boy and being in a joke in the existence of humanity. Obviously, I don't want to live at my parents' house. Well, you certainly do because you're spending all your money on bullshit instead of actually doing anything. Worth value of paying down your debt.

I definitely want to do better. and I don't think that I don't want to be in this position. Which is why you're going to the Bahamas, all-inclusive? It's Cancun, not the Bahamas. All-inclusive. Yeah, it's all-inclusive. That was the only option.

Yeah, that's what we really care about when we're trying to get out of debt. I made that purchase back in January, and it's $4,000 for the entire trip. Can we be real about this entire situation? Your mama's boy, she's taking care of you, she's enabling you, and once, you know, you are slightly,

done with that situation. You have your girlfriend just be your new mom. I don't think that's the situation. I think that it's reading as clear as day, buddy. You're a child. You live like a child. You just go and live all this experiences and spend all your money on

bullshit instead of taking care of your real shit. And then you want mama or new mama to come in and save the day and take care of you. Their little boy. I think as long as I'm paying off these things, then, you know, why not? You don't think you're going to leach off your girlfriend at all in this relationship. No, I I don't allow her to.

Okay, well, you were already on the outs with your last girlfriend, but you used her to get a mortgage. I didn't use her. Actually, I think she used me for my credit. What the fuck are you talking about? You only got on with her to make it. I co-signed for the mortgage.

Yeah, but you wanted to get in there. It was you pitching it. I wanted to get a house, yes. Yes, so what are you talking about? Yes, she agreed to your idea. You used her. I don't think I used her. To be able to afford the minimum payment,

absolutely, even though you're ready to break up. How else can you read that situation? You know, we got back together and I was like, all right, you know, I think we should get a house. So we got a house. I was under the assumption that we were going to be together for a while. So you weren't? Thanks for going well. No, it wasn't.

You just got up after break it up and then you broke up immediately. What are you talking about, dude? You got back together and then, you know, it's towards the end of her. You just used people around you to be the little baby getting, having mothers everywhere. She didn't want to renew her lease there. So I was like, why don't we just start looking at a house? house then. Have you been at home with zero dollars of rent?

$0.00 a rent for about a year. For about a year now. And there's nothing wrong with living at home, especially if you're falling back on hard times. So the fact is, they're just enabling you to go VIP at ADM concerts seven times a year, I, last year, all-inclusive in Cancun. I don't give a fuck.

It's a bullshit, man. You're just living a bullshit life and relying on all the mothers around you. come on what a joke listen I know it's not perfect for your career with what you got but I will get you a course career certification to boost that resume I'll also get you on the FIS card to help

you actually manage your money debit card that builds credit and I'll get you on Weble as well if you really care about investing it's a great place to buy stocks that's where I'm building my portfolio now great sign-up bonuses there so I'll get you set up with all the resources that the guest got but listen this is ridiculous again 12,33.94 cents minimum payment $325. You've had a late fee this year. He's had a late fee this year.

He's had a f***ing late fee this year. VIP experience. You cancun. You, late fee this year, living at mom and dad at home, fuck off, dude. What a joke. Listen, so I had...

Listen, you're going to defend this. Yeah, let's hear it. Yeah, so the cards were not on autopay. Good, then pay it on time. I was. I was paying them on time, and then I had one month slip. And then after that moment,

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That is R.O. dot C.O.C.O. C.O. C.O. C.O. C.A.m. C.O. C.S. C.A. Why would you have a slip? You live at home. You live a fucking mother fucking home. I oversaw it. That's all it was. Over what? I oversaw it.

So it was... Over what? I don't know what the day was. Oversaw it? It was an oversight. Not loving your AT&T or T mobile bill. Yeah, we've been hearing that a lot. Good news.

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That's Verizon. Best network based on root metrics, best overall mobile network from the U.S. second half, 2025, all rights reserved. It must provide a recent consumer mobile bill in the name of the person who gave me the deal. Additional terms, conditions, and restrictions apply. Oversight? Yeah.

Is that how you say that? It's just an oversight. Oversight, I don't know. However you want to say it. So it was an oversight. I let it slip. Oh, there you go. Okay.

So it was an oversight for one month. And after that point, I did put it on auto pay. But why would it be an oversight, buddy? Because you're living at home being enabled in every way whatsoever. You should not be missing payments. No, I completely agree with you on that. And you're the one that did it. Not me.

Since then, I haven't missed a payment on it. What's the interest right now on this? Oh, I believe it's about 30%. It's high. And you think investing in the market makes more than that. Listen, you'll have your good years, but up, years, down years combined 10% for the S&P 500 overall stock market, 8%. Yeah. So, I'm still confused.

It was 0% for about 18 months. So I had the idea to how this part paid off by then, but obviously. Great idea. Just like you have the idea of paying off your credit cards before retirement. No, you're just going to keep transferring, transferring, transferring, more debt, more debt, more debt. You'll be in debt until the day you die. Your idea to pay this off did not work. I don't know what the balance was to start, but less than 12,000, 33, 93, 94 cents is a lot regardless.

Oh, it's not the first debt transfer. That's over. So we're going to have another one. Oh, fuck off, dude. So why did that plan fail? then just like because now you have all these other plans you are so confident about telling me so many plans with the deed transfer and the son in the house not that much lower i'll never have debt by the time i get a retirement i'm just going to contribute retirement forever yeah all your plans so why did this one fail so that

one uh like i said it was a transfer of a lot of debts and we got that part why did so i was paying it off and then there was just major purchases that i didn't have money aside the ip experiences no it wasn't It was, fuck off. We already saw how much. I had an issue with the car. $1,700 bucks last month in bullshit. Minimum. Minimum, minimum, minimum, minimum. So fuck off. I had an issue with the car and it needed to go somewhere. And that was the card that I had the most available credit balance. So it went on to that. The issue with the car? Yeah, with the car. Good. Sell it. Well, obviously now. It's working. It's not going to sell it. No, because I just, I just put a $10,000 car, put the rest towards debt. I just said I didn't tell you about the repair.

So it was a major transmission issue that was from Ford itself and they weren't going to cover it. Good. Sell it. Why would I sell it? Sell it now. It's my dream car. But your dream, no offense. No, no, I'm sorry. This isn't, this isn't this isn't this shit.

Your dream car is a Mustang. Yeah. I grew up. Listen, when I was growing up, my dad had, he still has it. It's in 1992. I have everyone in the room shaking their head at the fact that you're, dream car is a must say what's your dream car

um I guess I have my dream car is that Tesla Model X plaid yeah I love it no I love the plats don't get me wrong yeah okay

but that but that's at least the price of a dream car I don't think anyone's dream car is 24 to that again it's not bad I'm not the fact that it's not an expensive car it's just like you make a lot of money

we could get you to a cool car at some point who gives the fuck up about this, pay off the debt. Drive a beater for a bit. It was the first car that I had bought myself and I wanted to keep it. So, it's a car. Who cares? And the car community can back me up on this.

A lot of people when they sell their first car, they never regretting it. A.V. is shaking his head, hardcore no, which is suggesting, I bet he's in the car community. I'm sure he is. He's shaking his head, yes. And he's shaking his head known with you. So I don't know. I'm sure we'll get a diversity of opinions in the comment section. A lot of people regret selling.

the first car that they bought, you know, if it was one of their drink cars. It's a car. Who gives a... Buddy, who gives a fucking their first car? And at this point... What is this nostalgia? What is this like weird attachment to a fucking motor? And at this point, it's already paid off.

So what's the difference? Because you could sell it for 24, get a $10,000 a beater, and go and pay off $15,000 of debt like this. That still doesn't solve my problem. Your problem is that you're in debt. So yes, it does. It solves like a fifth of it. That's big.

It solves a little bit. It solves a lot because that takes away minimum monthly payments that you can accelerate towards your debt. I don't agree with that. You don't agree. What is there to disagree with? Because the car is paid off. It doesn't need much maintenance.

What do you not? But my math was sound. What is your disagreement? Because there's no minimum monthly payments on this car. So why would I sell a car to buy a beer car? What is wrong with my math? There would be no minimum payment on the other car you'd get either. sell this car. Yeah. And you buy a $10,000 car. Yeah. Who's to say that it's not going to

break down in the future? Well, first of all, it seems like you're pretty good with cars. So take a hardcore look at it, but also take it to two independent mechanics separately. Make sure they get a seal of approval that it's going to last for at least a few years, safe and good. That'll major repairs. Not everything's perfect, but you're going to have an emergency fund pretty soon that will help take care of things. And we're going to get in a dream car, a better dream car, by the way, pretty damn soon. It's not about that. This accelerates your debt payoff journey. This is like the one thing that I'm not going to say you did, right? But, at least you have going towards you.

So you can at least throw it towards your debt, buddy. You know, that would be something that I would consider then at that point. Because there are bigger and better cars. A win! A win! A potential win. You know, if there is a time and place where I can buy a better car, then so be it. Tell me how much all that piece of shit costs. That piece of shit. That is done by one of the better artists in my room.

Yeah, you have the best realtor and the best car. Now we have the best tattoos. It's the best everything. The fuck it is the best. That was pretty bad. It was bad, dude. It was rough. It used to be so good.

It used to be so good. I got so rusty. It was like a really good impression of it. Well, that's his fucking job, you dick. Listen, it used to be good. It got rusty. It did. But everything's the best to you.

I don't know. It's a sleeve that you cannot even tell what is going on, which makes it just a mess. So it's all Greek mythology based and it's called a realism. And it was 14,000. It looks like my current two weeks of diarrhea has just happened. Oh, yeah. I heard you were having telling me issues. How are you feeling?

By who? By the producer? You haven't done. Lindsay! Please. Is this why you're a little angry today, Caleb? No, I'm angry every day. Buddy, that looks like shit.

And how much have you spent on it? I spent $14,000. What is wrong with you? Look, it goes all the way into my chest too. Oh, for fuck's sake. What a use of money when we can't pay our mortgage and we're about to get to where were you living a home? When you got this done?

With mommy and daddy? The arm piece? No. But the chess piece, yes. Oh, what a joke. Mom and dad kick him out tomorrow. You are in, you, oh, you are supporting such horrible behavior that you are just allowing. You are enabling such bad behavior.

Trust me, Caleb. After these tattoos. I don't trust you were shit. I'm not getting any more after this. I don't believe you. None of your plans have succeeded. Have you ever gotten a tattoo? No.

You don't look like a tattoo person. Listen, I'm considering a base left here. I'm just a little nervous of the needles. I'm a band guy too. Okay. Yeah, trumpet guy, though. I told you you're a douchebag and gay. Listen, but I don't know.

What a horrible use of money. We're living at home and they support this. It's a joke. It's disgusting. It's not a good time. And now we're accruing interest, 30% on that card. Well done. Well done, big guy.

And we missed them in a monthly payment on it. Okay, Wells Fargo. What's going on with this? So that one, is that the platinum card that we're talking about? So that one is... It's Wells Fargo card. I don't see Plano. Yeah, so it's the platinum card. So that's the very first credit card that I got. Oh, which means just like the car, we can't get rid of it.

It's special. Well, credit age. You got to have credit age. Yeah, but you could pay it off, you dumb. $10,000 and $560.50. And $0.54. minimum monthly payment $241. You're still purchasing on it. There's just not many purchases on it.

Well, you're a moron then because $23.57 of purchases were made on it. You know what that is? I'm guessing a purchase. Yeah, I had my reoccurring, like, Spotify on there. Almost like that is considered a purchase. $135.14 of interest accrued 24 years to pay this one off. Yeah, you'll borderline B at the,

and retirement age penalty free for your 401K if you ever decide to do that or your IRA, which we know you love. So, yeah, you'll borderline be there. So will it technically be paid off? Sure. If you don't purchase anything else, but we know you love to purchase. You know, the minimum amounts that you can put toward, or sorry, the maximum amount that you can put towards your Roth IRA, it's only what?

500 bucks a month. Yeah, 401K is substantially higher, but it doesn't even matter. That's not going to make much of a dent in the amount of debt that I have. It would pay this off three times. quicker. I'd say that substantial. I would rather put that money towards retirement.

Listen, I want you to max out retirement. It mathematically doesn't make sense. I don't understand why you think 10 is larger than 30. Because if I'm putting the maximum

towards my Roth IRA, then it's tax free when I withdraw it. It is tax free. So maybe that boosted to about 15%. But even still, that 30% is not making it.

So if I delay that by what, like a couple years and I'm losing all that in the market. 30 is still more than 15%? But it's the principle of just wanting to invest this. Guy, buddy, no matter the growth you're getting in the market, S&P 500, averages up, years down here, is 10%.

Stock market, 8%. How many times are we going to go through this exercise? 30% is higher than that. Now, if we're taking the tax savings, which, by the way, you're doing Roth anyway, so you're saving taxes on the back end. Yeah, exactly. You're not even saving taxes on the front. So I don't know what the fuck you're talking about. But either way, listen, you're still losing.

And that's why I was putting towards it. You're not making money. Oh, you really are a boy. You're a little boy. You're a little boy who jacks off to his Mustang every day. You collect F1, F1 posters. You go around spend money collecting F1 posters. It's living in your little goon cave.

What world are you in? So I had the F1 posters. They were going up in my office in the house that I don't live in. So I haven't put them up in my room. So they're just sitting off to the side right now, honestly. And they're just collecting dust. What a weird life you live. What a weird life you live.

Do you watch F one? Are you bald? Am I bald? No. I actually got nice hair. Okay. Then why do you have a hat collection? I love hats.

I've always been a hat person. I love wearing hats and, you know, it kind of adds to his style. So that's why I love hats. I buy them all the time. There is no way that you are not a homosexual man with the way you present yourself and talk. Which is great. We love it. Take it up the ass.

Full support. Full support. We got a ton of gays at the office. Yeah, it's Adobe and Spotify, so it's double. Oh, he's out of Lefie this year so far. What is wrong with you? There's a lay fee on that one? Oh, my, he doesn't even know.

No, I actually didn't know about that one. What a joke. That one is also set up on autopay. When I realized that the reflick card had a late payment, I just went ahead and put auto pay on both cards. New girlfriend, run! She wanted to watch this live, but I guess you guys don't have a live. Huh?

No, why would this be live? I don't know. That'd be an interesting entry to go. go down. It would be, but it would be dangerous for you. Sometimes we have to caught out privacy things. Oh, that's true. That's true. I didn't even think about that. Yeah, we used to stream live to Patreon members, but that was a long time ago. Either way,

I mean, I feel like I should call her and the X in the past. She actually might want to talk to you. Which one? The new one. I care less about that one. The old one? No, she's a bitch. She doesn't even answer. She's a bitch. She doesn't even answer my face. You hear how he answers that, guys?

You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water.

The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton, for the stay. Are we hearing this? We're hearing this.

Actually, the bitch. I didn't sound like that. When are you moving on with the current? So that's actually why I'm going to do the Thanos thing with the gemstones. That's kind of why I'm on the show. I want to get to a good financial point to where we do move in with each other. And we want to be in a good financial spot. But the moment you move in with them, you break up with them in two months.

This is at a 15.4% interest rate. So this relatively is close to the. the market. Right. And you're lucky on this. You're lucky on this. However, for what it's worth, this is risk. This is minimum payment that prevents you from going out and doing the things you want

to do. There is that aspect of it to also take into that equation. So for this card, I don't know if I should keep this card or cancel out, but it's obviously a lot better than the other ones. Sure, but it's horrendous debt regardless. Oh, yeah. Obviously, I plan on paying that off. Well, obviously.

just like he planned on paying the other one off. He didn't pay it off. Like what? That means nothing. Well, I want to get to a point where I'm building my credit history. And, you know, if I cancel that card. What's your credit score? It is.

Okay, then I don't give a fuck. Well, that's why I'm trying to rebuild it right now. I don't give a fuck. And I can't do that until this house is out of money. Credit is not a tool to. You are absolutely, it's like a hammer, but you're just swinging back in it in your head. My credit score was at a 700 before the miss payments.

And then as soon as the mispayment happen, it dropped significantly. Now it's out of 550. That is, like I said, you know, $5.50? It is garbage right now. What are you doing, dude? Okay, pay a power credit.

What's going on with this? That's a dangerous. So easy to spend. Pay mal credit right now is in a promotional offer right now to where it's 0%. But that's where the injectors came from. Oh, for fuck's sake. What is wrong with you guys get rid of this car? It's also just damaging because you just want to put, you just, it's a toy to you.

You just want to spend all your money on it. Like I said, I traded it. in those injectors because I had maintenance that I was working on. Exactly. Or also you would have kept the injectors. So it doesn't even matter. Trust me. I tried to return those for cash and a return.

So I didn't have to pay off that card. But it was past that return period. So it was either a store credit with them or figure out something. So I ended up pulling the trigger on return. $6. And a $7 spent this last month. What's Fast Spring? Fast Spring.

Fast Spring? I don't even know what Fast Spring is. You're spending on this card, big guy. Let me guess. You're just using an investing app that doesn't invest in you. It is time to change that. Right now, Weble is offering up to a 3.5% match when you open an IRA with them. That is real money going into your retirement, not just points or coupons. And that's just the start. To pass it $100 and you get 30 days of Weebel premium. Anywhere from $2,000 to $10,000 sitting around in your account, move it to Weeble and get $200 in cash.

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So stop overpaying for a platform that gives you nothing back and make the switch to Weble. Go to Weble.com slash K slash Caleb or hit the QR code or the link below. Let's get back to the show. It's a 0% for 6%. Oh, why. He doesn't know what he even spends on 8 years to pay this off.

So yeah, 0% is going to expire by then, by the way. Minimally payments. That promotion... Oh, you put towards it after bragging at the beginning about putting more towards it. That promotional offer ends in six months after the purchase. So it's like... Your...

That is obviously going to be... You're going to have such a substantial balance by then. And I don't care what you plan. You're going to tell me about a plan. That's never going to happen. You never do a plan. You never commit to anything in your life, especially your girls.

$1,184 in $9. It's the balance on here with a minimum to payment of 30. Eight years to pay off does not get you there in about four months from now. Well, I plan on paying that off before the penalty. Of course you do. Of course you plan on it. Your plans never achieve anything because you never follow through with the single thing in this world. You never do anything.

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Your plans are just thoughts. But you never put in any action to achieve anything. All right. You've planned for a lot. You've planned for that mortgage, the house to get in with the girl. What plans? What financial,

plan have you ever done that is actually led anywhere? Nothing that I know of. I paid off the car. I paid that off early. Yes, because you're addicted to that thing. You care more about it than any girl you've ever dated. That is my longest relationship right now. Exactly.

That's what I'm saying. You're a freak, weirdo. Hey, at least I'm not one of those people who have, like, that fetish for it. Except I don't fully believe that. You keep using this as your excuse of deflection to get out of any kind of pushback. My plan. I plan. Fuck your plan.

Well, the balance transfer idea was my plan, but obviously that hasn't been working, you know, with this. So I don't know what else to do or what the other plan is, you know, if there was some sort of direction. It's a dumb tit. Amex Gold. Oh, that's a fun card. Pay every time. Charges. Interests.

New charges. Interest. What is going on with this card? So the Amex card, I only got that because it's an Amex card. It's an Amex gold. I thought that it was going to be this. What the fuck does that even mean? You know, like, you see the people who have, like, an Amex platinum or Amex Black Card

and all that kind of stuff, and it's like, whoa. On a commercial? Like a cool status symbol and all that kind of stuff. What? I don't even know this. So that's why I got the card and it was my head. Who'd you see? I don't know.

What are you talking about then? Credit Karma, you know, I was, I saw it as an option to get. Did you saw it on credit karma? So that was a cool status from that. I've just seen people with the gold card. I don't know. I just said out. You know, you go to dinner and somebody pulls out an

MX gold card or a platinum card. You know, so I wanted to get one of those cards and they approved me for it. So I was like, all right, cool. I'll use this card. And it was my everyday card. I saw, billion dollars.

So I used that card for my every days. And I was using it for gas because you'd get the- spending on it, dude. I know. It's, I don't like using that card much anymore. Yeah, you do it. So what are you talking about? Is your plan not to use it?

Because you still do. that lines up with your historic plan-making abilities. I have an idea. Can I pitch it to you? So I just take all the cards out, except for my debit card. Maybe that would reduce my spending. What's all the cards out?

What does all the cards out of the wallet? You take the credit cards out of the wallet. Sure, but you're still probably in a digital wall and you're going to spend it online and it's going to be dumb bullshit. And even still, you're spending, regardless, even if you put it on debit, it's probably still horrible bullshit.

At least that I would be able to overspend. No, that doesn't make sense. You, overspending in your position is spending a dime on fund money, a dime. Does it all be going to debt and then a fully funded emergency fund? What are you talking about? That is exactly what I'm talking about, buddy. Gotcha. I mean, you know, obviously I don't want to spend on this card, but, you know.

Yeah, you do. You know, it's like major purchases that might go onto that card that I could just pay off. All right, big guy. You know, $6,478. cents with a minimum monthly payment of 137.23. You're right. I mean, I had a little more sympathy towards the beginning, a little more grace where it was like, yeah,

it's hard to make my mortgage payment, you know, if I have to do that when she doesn't pay you because I have all these minimum monthly payments on the high debts. Yeah, wild debt is said he has high debt. It doesn't matter. He doesn't pay anything more than the minimum, even though he's bragging about paying an off debt at the beginning. And he still puts purchases on that.

Quiet now. He puts more purchases on here. And it doesn't matter. Buddy, what do you? If I go through it, if I go through it, okay, he made a minimum of the payment.

And then he purchased. Just, just the fuck up. Shut the fuck up. That card should have more than just minimum payment. It was about 10 more and then you purchased 80. No.

Yes. I've been putting more money for it. Put it on screen. It's there. You dumb. 157 was put towards it when you owe $137. That is $20 more. You paid and then you purchased $80 a $1.

West Pasco class. West Pasco. Wait, I do know what he purchased. No. Okay, no. So I do know what that is. They can tell me. So that is the dump over in Pascoe.

That's where the house is. So when I had to clear out the house of her shit. Why on a credit card that you can't pay off that you are barely putting your minimums towards? Because at the time, that was the card that was available because they wouldn't accept any other card. So I had to put that one on... You wouldn't accept your debit card? No, they didn't accept the debit card. And why didn't you immediately pay that extra 80 towards it?

He said I didn't. you didn't. I may have since then. I'm not too sure if I'm being honest. You probably planned on it. I probably planned on it. Current girlfriend, he plans on not cheating.

He plans on being a good boyfriend. He plans on moving and he plans on progressing your relationship. So that's why that purchase is on there. 11.99% for now expires and already expired. Okay, it is now at 28.24%. So, erronic. $110 this year in interest already accrued on this card

alone. Now it's going to be that every couple months. Yeah, I think it was like three months or so for like the promotional offer. So I think that, yeah, obviously that expired. No, you're, it's dumb. Dude, it's so stupid. I don't get it. And for a status, is everyone's status that they borderline max it out

and accrue interest endlessly? Actually, now your minimum payment has to be higher. I bet it's like 200 now, right? Someone in that ballpark. Okay. Someone in that palpard. I don't really use that card other than that one purchase. But since then, that's, I don't use it.

Since this literal last month. Okay, great. What? And then you put nothing extra towards. Dude, that means nothing. That it's such a nothing statement. Okay, Amazon card. Pull out your Amazon.

Listen, this looks like this one's paid off every single month. So I'm not going to freak out about this. But you still did make $285 of purchases towards it, which could have gone towards debt. you want my recent purchase Yes Amazon Amazon Amazon Amazon Amazon 30% interest so you better never hold a balance big guy

Oh he got some nuts and bolts for his dumb car So that's actually not for my car Should you sell this car to pay off debt You gotta sell this car so you stop spending money So that's actually for my girlfriend's car So there's a hex set on there for struts And then there's a knuckle spreader for the lower of the strut Some bullshit thing

I think we got Okay, we're getting dog food on there. That's not horrible. Brocer holder. That's for work. Why isn't work paying for it? They are. They reimburse me and then I paid off.

Weird. Acrylic sign holder, some tape, gauze pads. That's for my dog. Gauze rolls. Okay, that's fair. Dog food. Roller skates, definitely don't need that.

I don't give a fuck for the girlfriend either. The same flip-flops that I have. They are comfortable. You don't need them. Pay off that. You live with your. your mom with your F1 posters. Dog toys for

aggressive chewers. It's not the worst. Swim trunks, I'm sure you already had some. More swim trunks. You definitely had some at that point because you bought two pairs. Men, wides, cavus loafers. You sure has had shoes. I know that for a fact. Boxer roofs. If you didn't have underwear, I'm definitely concerned. Live, laugh, love

toaster bath. Okay, buddy. So those were some. Why get out of dead and move out of our parents' house? Dead inside patch. Yeah, those are patches for my that person, whoever it is. I don't give a shit. Oh, it's for your backpack.

It's for you. Extra fuck you. I don't give a shit. For when I go to the gym and everything like that. To look cool for all the other kids? I don't know. That's for myself.

Buddy, you live with your mother. I don't care. You're not cool. That's a reality. Queen Comfitor set. Rism with the tism. But you don't have the tism. You're just a...

Total war pre-workout. Okay, so for these purchases that you're about to see, yes. Shut, shut up. You don't say a word. Don't say a word. I'm going to explain it. It's a book that he purchased how to tell her you're gay. Yeah.

So I'm going to tell you. I told you. This is great. I can't wait to tell you this. Oh, he's going to defend it. No, I'm not defending it. Good luck. Good luck.

Good luck. So listen. My friend, it was his birthday coming up. Oh, he has a coffee mug. I'm gay coffee mug. Yeah. So it's a coffee mug. And he watches this show too.

He has a cum rag. Yes. Cum rag. Yes. Act. actual thing that says comrack on it. He has a scented candle. Ladies and gentlemen, it is not looking good.

This is why he breaks up as women the moment he moves in with them. Yeah. Oh boy. So I got him the pre-workout. Yes, our friend. The mug. We all have one of these. And I'm willing to even call him.

So that way it can justify these purchases. But it was a nice little like... Call him. Yeah. Your girlfriend. Yeah. So it was a nice little birthday present for him and then sent it off. I knew that purchases.

it's going to come up too. Yes, almost like it's all adding up. Oh, he loved it. He loved that gift. Uh-huh. Okay, Apple card. It also looks like it's paid off every month, so I'm not going to freak out about this one specifically.

Oh, it's all bullshit. This is still money, even if it's paid off. It's money that could go to other debt, dick. Huh? So it's Apple card that was getting the payoffs for that. So I kind of had my own little plan. Obviously, it was loose, but... Just like you are.

I assume. So any sort of money that I had left over was going towards a card, and that was my idea of payoffs. And it looks like it was Apple card at that moment. Captivity Come Shop? I don't even know. Great. That's one of the purchases.

Of course it is. Of course it is. Hardrow. Apple something bill. See tickets. There he is. There he goes. Apple Bill.

Captivity Come Shop. Coastal Cruises. Apple Bill. Oh, I know what that is. Access. Access Cover. Hey dude shoes. I'm wearing him right now.

You're comfy. You buy a lot of shoes for someone that lives with mom. Apple bill, Apple bill. Total charges this month alone and it was all bullshit. It was 1,478 and that could have all gone towards debt. That would have paid off the PayPal credit. Plus more. You're horrible.

You live with mom and she just allows this. This is disgusting. Should we call mom? I want to call mom annexing. girlfriend. They need to not, they need to not, not enable this anymore. What a joke. What a joke. And you've had interest charges

you're so far, so you certainly don't always pay it off. You don't always pay it off. I had a debt journey. What do you want? Debt journey or on a debt journey. Your debt journey is your entire life. Shut up. Your debt journeys, you just spent $1,500 on this card alone. What do you want?

And your phone. Oh, I was going to pull it up for you. I'm pulling up Grindr. and that could have gone towards paying off PayPal credit and that interest is going to hit. He has chat TPT for $20 a month, every dollar annual, you get ours for free and at least allows those extra account connections

and fallbacks unlike his. Now that the update should be live by the time this episode goes live. Formula one, $11 a month subscription. Yeah. That's how I watch it. Dude. ICloud Plus. Wishing you could be there live for the big game,

soaking up the atmosphere in the crowd. But too often, life gets busy. Or the price holds you back. Priceline is here to help you make it happen. With millions of deals on flights, hotels, and rental cars, you can go see the game live. Don't just dream about the trip. Book it with Price Line.

Download the Priceline app or visitpriceline.com. Actual prices may vary, limited time offer. Okay, no grinder. Officially. Doesn't mean Sniffies isn't in the browser history, though. I don't even know what that is. Uh-huh, he said with his totally straight face. No, what is that?

Yeah. Oh, I totally believe you right now. You're playing this off so well. I wish I was playing it off well, but I don't know what that is. Trump of players understalling each other as they usually do. Sofi and a 9% loan. The what's going on with this? So there is two Sofi loans.

What's the balance of that one? The balance of this SOFi is 4,9. $981.988. So that is the repair that I had to give for the Mustang. So that's with the transmission that completely took a shit. And Ford wasn't going to cover it. I had to get a new transmission for the car. Get rid of this car, buddy.

You're just putting money into it. So stupid. Minimum monthly payment owed $295.75. I know. And what I will say, like with that one, you know, I wish I had, you know, an emergency fund and all that kind of stuff. So I could have paid for it, but I didn't. And that's why I went with SOFI because it was the cheapest rate at the time. But he, it's just, I don't know, these minimum payments are stacking like crazy.

Now did you go a little boogey on your fix? I did. Or on the car, exactly. So listen, but. Bulletproof? What? It's bulletproof. Yeah.

And I'll explain it. So if I went with a Ford new transmission, it was going to cost $12,000. Uh-huh. So this one is a stage three RSA transmission. It means nothing to me. And, yeah, the car guys know this. So with the transmission, I bought a stage one. So it was only meant for a thousand horsepower.

And- So it's a pussy car. Pussy car. No. I haven't finished yet, Caleb. and they had some issues putting in the transmission, so they upgraded me to a stage three, so it's meant for 1,400 horsepower.

And I got that for the price of stage 1. So that include labor costs, everything like that, so it ended up being cheaper than buying a brand new transmission through Ford. And it's meant for 1,400 horsepower rather than the 600 that the Ford would offer. I just wanted you to sell this car, man. It makes no sense to have for you at this point. At this stage of life, you'd rather, have this car than not live with your mom at 30.

At this point, it's just maintenance costs. It's not that it can accelerate your dad. I'm not going down that rabbit hole again. If you're too moronic to be able to listen to sentences, then you can go and leave. $7,480.61 on the second Sulfai loan with a minimum fee payment. Yeah. And now I see why when the mortgage payment comes due,

you wouldn't be able to afford it anymore. $413. So how much debt, you say the debt's free. You have the repairs on the car itself. you still have debt on a credit card name of SOFi. Yeah. So that's not a debt-free car. Shut the fuck up.

If you're thinking that, you're a moron. I didn't say it was a debt-free car. Yes, you did. You said it was a paid-off car. I said, all it is is maintenance now. No, you said, no, that's not true. You're paying your minimum payment payments for previous repairs. So shut up.

You could pay it off by selling the car and then getting a beater and you'd be done. You address all your old mistakes. Listen, what was this one for then? What, the second so-form? So that was a consolidation loan. Which works so well because now all the other credit cards are maxed out. Great. The reason why I did that one is because it was a lower interest rate than what was currently.

Yes, I understand why you did it, but then you built up to your debt and then you have double the debt because you didn't change your behavior. Everyone knows why you did it. But it is stupid and it's at 11.72% interest rate. Which is way better than 27. It is. Doesn't matter when you ranked up to 27% again. So what's bigger in 27 or 11? Did you not just hear what?

What did I just say? I wasn't paying attention. You are, and I'm not going to repeat it for you, because I, you're a lost, the future of our country. Thank you. Student loans, okay. This is for the original degree,

the original marketing degree at the low GPA. No, so that one is, that one's actually for the marketing degree, the second one, because like I said, the first one was paid with a grant. Okay. Well, on these student loans,

which are you still borrowing? Yes, yes. Great. What's your next semester cost? What's the first semester cost? So right now I'm in the summer semester and it was $1,200, which I did pay off. So I would imagine that it would be another $1,200 since I'm taking three courses. Okay, well, you're over $12,000, $26 for now. Obviously no payments because you're in school. I have been paying on it, though. Just like interest?

Just $100. Why? Just in case, I don't know if they were all subsidized loans or unsubsidized. So if any of them are- Two are unsubsidized. Yeah, so the ones that are accruing interest, I think that's what the fans are going for. Yeah, I would pay just interest only and then throw the rest towards the rest of the debt, though. Listen, yeah.

And here's the mortgage. This is crazy. Down payment assistance and deferred balance of 16,447? Yeah. He had down payment assistance? Yeah, like I said, I didn't put anything down for the house. So that was our down payment. It was with the assistance since it was like a first home.

Oh, fuck, man, dude. So it was like an FHA. What the fuck we're doing? $323,891. $0.44 owed on this. With a minimum monthly unpaid pass due 13th. Kill me. Okay.

Total amount to do $17,382. So what is your plan here, buddy? If you cannot sell it, what is your plan? Because I don't know. So right now, like I said, we are lowering the price to be more competitive. I know, but... Then we'll keep lowering it. You've had two showings.

Yeah. And we're going to be doing an open house this weekend. So hopefully we get some people coming through. now that it's priced differently. But, you know, if we end up lowering the price to the point that... It doesn't look like a very nice house. It's okay. It's fine, but for what you're trying to get.

Yeah. And so the point that I'm at right now is if it ends up being a short sale, then I can contact the mortgage company and put it into kind of like a limbo stage to where it's not going to get foreclosed on. And then after a couple months of being short sell, if it doesn't sell to somebody, then we can do it a decent. a deed and loo. That is what I was told

the last time I called a mortgage company. Might be the only thing left at this point, buddy, and it just absolutely sucks. The way you went about this is so and the payment that is due right now is insane. It's 6.75% interest rate. It's crazy.

I don't even know if that's a good rate. Huh? I don't even know if that's good rate. Fine. It's just kind of where rates are. And that's why I wanted to get the house because I didn't know what was going on with the market.

I didn't know if rates were going to keep going up. We definitely knew rates were kind of at the peak. Really? Yeah, I didn't know about the rates if they were going to go higher or if they were going to stay stagnant at the time. So I was like, it's better to buy it now to buy it tomorrow. It was like inflation was cooling. I don't know. Okay.

Interesting. Okay, checking again, got about $1,800 in there, down from the last month. Grassboro Bar, Starbucks, going in and getting some BS from 7-11. Venmoe now $80. F-S-P-R-G-com. ABC, find wine going in and getting into BS, crumble cookies, Uber Eats,

car wash, great, you live in Florida, what the fuck you're doing? You're not in a desert, you're not in snow. Stop with the stupid car wash. You move out of your parents' house. F-SprG.com, what is that? I actually don't know what that is. Well, you spent there twice so far.

Where are the amounts? One was 99 cents, the last one. The other one was $7.7. That might be micro-purchases. honestly for a game. What the fuck is wrong with you? Now you're a gamer collecting F1 posters, living in your mom's basement, go it into a Mustang. This is not a good look.

PayPal, PayPal, smoothie king, going in and getting some BS, fine wine, going in and getting some BS, going in and getting some BS, going in and getting some BS to smoothie king. Car wash again. More shoes? How many shoes do you need at one month? Oh.

It's the hey dudes. They're comfy. I don't give a fuck. How many do you need him? One month. I only have three. Shut the fuck up. ABC Fine wines. There it is. Five dollars of the micro gains.

Oh my goodness. It's Clash of Clans. He's just endlessly going in and cash, Clash of Clans. He lives in his mom's basement just Clash of Clans. What a joke you are. No, but I'm also not a joke of a human being.

It's fun. It's addicting, obviously, to you because you spend money. You don't have. Laid on mortgage? Spending on Clash of Clans. F*** off. It's a good game. That's all I got to say about it.

You ought to give it a try sometime. Is that what Jinkies he's playing? What, are you watching streamers? Playing Clash Clans? No, I don't watch the streams. I don't have time for that. Well, you're playing Clash Clash or Clash. I don't have time to watch other people play video games.

Are you kidding me? People usually do it in the background, but I get it. I mean, if I'm not doing this and I'm watching your show. Well, you've clearly taken away nothing. You're a moron. So Clash a Clan instead of moving out Oh, what a life we are living Oh, fuck, dude

Clash of fans instead of moving out Going against a BS Men's Depot Clash of Clan, $7, smoothie king Fit Stop Eatery, Barcelona Bay Store Bellasina Italian Cafe Texas Roadhouse Texas Roadhouse AMC, AMC, AMC, Fistop Eatery,

Crumbull cookies, Clash of Clans $10 that time. Going in and getting some BS. PayPal. Fit Stop Eatery, Dave and Busters, ABC, going in and getting some BS. Ben went out $30. And Spotify again, we have Spotify on a credit card,

but I have two Spotify's. I believe that's when I transferred over to my got a car. Dude. Yeah, I didn't want it on the credit card anymore, so I put it on the debit and I believe it charged me for that. 800 in this one, down from a thousand. This is our savings. Savings are only going down.

Great. So we can do Clash of Clans. $2,512 in this high-yield savings account. That was my start at emergency fund. You have 30% interest. I understand wanting to have a basic to start with. $19,206 in retirement, definitely behind for your age, but you should be because you need to pay off debt.

Yeah, I started late with the retirement. I wish it was definitely a little bit better than that, but that's where we're at with it. That's fine. I just need you to hyper-focus on paying off debt, dude. Let's see if we can budget our way out of this. I don't know, man. Little hope.

The mortgage, we won't add that payment into it because you're either going to foreclose or you get fucked up. They're done or just sell or deed thing and just, this is stupid. You got quite the collection here, Caleb. No, honestly, you do. $5,000 is what comes in on a monthly basis. Okay, wonderful.

Great. Let's get your debt minimums, not mortgage included. Now, do you do anything, like, internet or utilities for the household? Currently, no for it, but I did just recently start paying utilities for the house. What house?

For the house mentioned, like with the mortgage. So I'm paying those utilities. Okay, your debt minimum monthly payments, not including your mortgage, $1,500, $1.37. That is insane. That is discussing, good thing we're doing, Clash of Clans and F1 posters. What is the utilities? So it was 300

initially for the water, but that's going to be about $80 afterwards. Yeah, utilities in total. In total, $200. $200 for utilities. Okay, gas, room of room drive drive for your special little car. About $150. Car insurance.

$130. It's not horrible. Phone bill. Phone bill, I don't pay anything. He is a man baby. He is a man baby. Okay. If T-Mobile's good in your area, do helium once you have to pay for your phone bill, if you ever do. Groceries do $300. You can do it. plan in the budget-friendly cookbook and use the budging an app.

You can do it for $250. We gave you $300 for Wiggle Room. TP Fund, anything else you need to survive, $100. Medical health care, co-pays. That's automatically taken out of my paychecks. No, co-pays. I don't have any coverage. What about Jim?

Jim, right now I'm paying $30. Okay, that's okay. Subscriptions, I'll give you $25. I don't think I need that much, honestly. I'll give you $15. Do you have pets? Yes. That's right.

Okay, the dog? Just one dog. Just one dog. Agent Health. He's five. You have pet insurance? No. Okay, I'm going to put it in 40 bucks, get good pet insurance.

A lot of them are sketchy. Do you have, like, recommendations for pet insurance? What is it? Spot pet. What is it? Spot pet. Spot pet's pretty good. Okay.

Pet food, how much? About 60 a month, I would budget. I could show you a picture of them later. the dog. Quiet. No need to. I will find him cute. You need to survive, and this is what's crazy, without the mortgage.

I mean, it's only half. $2,530.30. 37 cents. So I would just eat the loss on this house and just try to get out of it or get it rented or, I don't know, man. Because without it, you should be able to pay off debt pretty damn quick. You have an extra $2,469 left over. And for the girlfriend and everything and fun, I'll give you, let's say, this is called $469 of fund money a month.

So $2,000 left. With the year, what was it, $55,000 of bad debt? Yeah. Well, one sell the car. Get rid of that. Boom, $10,000, beater, $15,000 towards debt. Now you have 40,000 hours of bad debt. Well, student loans were minimum monthly payment until we're paying that off.

I was just about to ask you. What is that? That is $12,000. So minus $12,026.91. So we have bad debt, $27,9.7. divide that by the $2,000. It takes 14 months to pay off just over a year. It's not the bad.

You can move out, live a life with the girl. That's actually a lot better than I thought. Yeah, that requires you, one, selling the car. Two, doesn't take care of the student loans. Three, budgeting. And actually sticking to a plan for the first time in your damn life. It's pretty simple, my guy. Listen, come back on the follow-up channel and prove that you can do it.

But I'm having a hard time because, listen, you've tried to do so. So many plans, this is my plan, and then you never do anything. You just consolidate debt or transfer debt and spend all this money on bullshit. You spent so much money on bullshit. It was fucking crazy. You live with your parents, so you just do Clash a Clan. So good luck. Good luck.

We're going to call some of them in the post shows, so make sure you join Hammer Elite, the best YouTube membership on the platform. Let's get this Hammer Financial score, spending it in a budget. Oh, you ever spend? So zero out of ten. Debt, you don't have collections. Oh, behind on the mortgage. It's a one out of ten for sure.

Emergency fund, what was it, $2,500? I'll give you a two out of ten, because you'd want a little higher than ten anyway. What was your retirement number? It was $19,000. Okay, for where you're at. It's at $21 right now. $30, that's about a $3 out of $10.

Definitely behind for your age, real estate, zero. You own real estate, you're behind on the mortgage. I'll give you a $2 out of $10. I'll go with $2. Hammer Financial School, rounded up just barely making the cut to $2. out of 10. Join us in the post show,

guys, best YouTube membership on the platform. I'll see you there. Joy and Hammer Elite, link in the description below. Do you want to call the mom and confront her? Has your son ever sucked?

I would hope not. Confirmed, mom hates the gaze. Why do you allow him to stay there if he spends all his money on BS? Can he do anything? I don't think he can, which is starting to make me look like a failure. Are you willing to kick him out

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