Financial Audit - $70,000 In Debt Simping For E-Girls | Financial Audit

Episode Date: October 15, 2025

🍿 He's hiding *a lot* from his girlfriend, so in todays post show, I made him finally call her and confront his lies... it blows up big time, she's the most angry spouce I've ever talked too... watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 ___________________________________________ ▶RESOURCES 💵💸🤑💰💲👩🏻‍💻📓✍🏻💡 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $350 when you open a Chime® Checking account, and earn up to 3.75% APY on your savings: chime.com/calebhammer 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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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 this day to watch episodes of financial audit a week earlier check us out on youtube i would say all of this is not my fault it's american consumerism of which you participated in willingly no no it's not my fault what about the insane amount of money you've spent on galaxies on fckin ticot lives

money sometimes just i don't think is real why are you just going out and just giving everyone f***ing galaxies though but you can't pay your own damn bills a little concerned of what's all in there this point sometimes me too But I believe what I believe. The tools to change your life have just been upgraded. Download my budgeting app rebranded to Dollar Wise today and start your free trial. Sign up for the annual version and I'll send you my budget-friendly cookbook that can't be purchased anywhere else. And I'll personally sign it and mail it directly to you.

Download the Dollar Wise budgeting app today and take advantage of your free trial. This is Gary from Detroit area and this is Financial Audit. It absolutely is. How old are you? Gary? I'm 25. Good, good, good, good. You've definitely shot a minority in Detroit in your day, haven't you? Only two. Very good.

All right. What do you do there for a living? I'm a water plant operator. Okay. So that's why Flint happened. Got it. I understand. Well, yeah.

It's not my fault. But, you know. Seems a bit targeted because this is certain. group of people? No, definitely was not. He is not racist. I'm fucking with him. I'm fucking with you.

I'm stopping, okay? All right. Okay. I'll stop. I'll stop. You weren't taking it very well. So, okay. So what do you make in the position?

2549 an hour. Very good. Now, Detroit's not the most expensive place. As far as major cities go, pretty cheap. Slightly on the uptick in terms of population for the first time in decades. Oh, so, you know, oh, how are you living off of that? How are you doing? I would say I'm doing pretty well, actually.

Sure. This is the most I've ever made in my life. I feel like this is the most you've ever had a human conversation as well. Pretty much. Yeah, that's what I'm picking up so far. I'm kidding. I'm sorry. I'm being a bully.

Okay, very good. Awesome. Well, why is this the most you've ever made? I mean, you're near 25, mid-20s, so it would make sense that, around that age, it should be the most you've ever made, and it should continue to be the most you've ever made all the way through, wow, your 50s. Just all throughout college, I didn't make that much.

I just was trying to get, like, bills paid, my tuition, trying to have fun. Michigan State, I assume. Yes, I'm alumni from MSU, so. Very proud. Yes, very proud. Good, good. Not that grade of education.

I had fun, though. Oh, Michigan State's fine. The reputation, MSU people, the frat guys. Okay, good. Yeah, you probably didn't make that much during college. No, I did not. Okay, because you were drinking. A little too much.

Yeah, I had a little bit of a problem back then. I see that. It went a little far or did it not? It, yeah, it did not? It did not? No. Go too far. The drinking in college?

What are you referring to? All right. Very good. So you work 40 hours a week? Yes. Okay. Cool. What hits your account on a biweekly basis? Is it biweekly semi-monthly? What are you looking at? It's bi-weekly. Good, good, good. What hits your account? It's between, it's about 1550 because I'd have like retirement and all that come out. Okay. Yeah. How much are you putting aside for that? Like what's those percentages taking into your 401K? Through my, it's like 5% employer, 5% me per paycheck. Good. Free money. We love it. You said 1450? About 1550. 1550. Sorry about that.

Very good. Cool. So what is going on, my friend? What are we talking about today? You know, I literally probably, I would say all of this is not my fault. It's American consumerism. Of which you participated in willingly, no? Did you not? I mean, you bought the baseball jersey from Michigan State. You didn't have to. Yeah, but I mean, all those were my choices, right? You bought the written house hat. You didn't have to.

Well, it's a choice you purchased. Anything but braces, it seems like, sorry, I'm in a mood right now. I have a permission to do this, but I'm just coming out of the gate strong. I love you. I'm sorry, I'm sorry. Here. Okay. Good. So what do you spend on all your money on?

I just love all those ads that come up, you know? Like just corporate and- You love the ads? Yeah, because I- You're the one person in the comments section not saying skip when an ad pops up. No. You're saying stay.

I stay at every- Continue, double, please. Yes, I stay at every ad. Well, there's the reason sponsorships are willing to give us money, I guess, and you are that reason. Yeah, I watch them all. I buy it if it, in the slightest, I like it. And that's American consumerism's fault, not literally you.

I, I, no, it's not my fault. Why, how? Can you tell me? So when you see the pharmaceutical, Ed, you run to your doctor immediately and say, I was told to talk to you about this drug. May I please take it? Uh, yeah, and I give it.

reasons as to why it would probably help me. Because if that was a situation, like you're telling me about like pharmaceutical, if it was like something that like I wanted to like help myself with, you know, I would obviously ask him. Is that consumerism though pharmaceutical? Yeah, I mean, as you fall into an ad and you actually do, what do you spend on a monthly basis? If every ad is getting to you, what do you possibly?

spend on a monthly basis. But I'd to guess, I mean, $15.50 every two weeks, I'd guess I make, or I spend like $30, 36. Yeah, it's $4,772. So, that isn't making a, but we got a $63 tax return payment that somehow hit this late. Well done. Which is state of Michigan's fault, right? Oh, okay. It was the state.

It wasn't federal. That makes more sense. Nia 3,238 came in. We averaged you at about 3,100. But regardless, $4,772.54 to float out. Well. How can you survive off that?

You're in a cheaper city. It should be easier to survive. Well, again, it's not my fault. If I only spent 1,600 more. You're going to lose me here. I'm a little confused. Like, that's something we're going to have to get over right away. The acknowledging what we have control over versus just,

said forces, not your fault, you still collect. I mean, spending $1,600 more or whatever amount was said more than I make and it comes in. I mean, it's going to come back around sometime, you know? What the fuck does that mean, Kobe Bryant? It's not like it's forever lost. I guess it, well, it depends. People are in forever debt in this country. Which is American consumerism's fault, not mine.

It's their fault. No actions. No behavior. no self-control, no budgeting. I mean, we've seen people come on the show. I was hoping and still am that you are one of those people. They come on, they budget, they change their lives, they take our educational programs, they use the budgeting app.

And then boom, they change their life. In American consumerism still happens. They just take personal responsibility. You don't think there's a room for personal responsibility outside of that? Well, Caleb, if you... Gary. Yes. If there's a box right here, like imaginary, like look at that. Yeah, I understand. It's a box.

Responsibility is outside of the box. Consumerism is the fault. I like to talk in ideologies. Ideology? That's an ideology? Or metaphor. What if you call it? It was a make-belief box that didn't really make sense. Well, it's in my head. A little concerned of what's all in there. That's this one. Sometimes me too, but I believe what I believe.

You believe what you believe. Then why are you on a show to get your shit together? If you believe what you believe, big guy? I, you know, in the back of my mind, I'm like, I want help. But, you know, it's like if I only spent a few 12, 1,600 over what I make, it's like... Finally? You finally spent that much over what you mean? I mean, I wouldn't be like surprised that I've spent that much prior.

I mean, that's probably how I got into it. But it's like, I don't know. What are you trying to say? It's trying to say that like money sometimes just I don't think is real. Okay, but explain how that makes sense then, because this is obviously impacting your life. Explain how that makes sense. So this is the best way I can explain it, Kay. Are we going back to the box?

No. I know I'm putting my hands here, but no, not a box right now. I might go back to it. So the idea that money sometimes isn't real is, you know, it's... I don't. It's... When was money started in the U.S., you know? Like...

We've had money since the beginning, but states had their own currencies for a while. But it's like a societal thing. So it's like I... Is this what Michigan has to offer? Is this what my home state has created? Well, I'm on the other side of the state. I know it's the same state. But you're from over there at Western.

Yeah. Uh-huh. Uh-huh. I mean, that's my reasoning. So, I know you said the state of Michigan, but, like, I'm from the other side, so that, that matters. Did you drink the water you sent to Flint? I did, and it tastes very good, Caleb. Uh-huh.

I pretty much drank the Kool-Aid. Okay. Gotcha, big guy. Listen, why try to get your finances fixed and under control if you don't believe money is real? So there's the thing. I might come back to the box. Please. I mean, your hands keep going there.

I'm just waiting for you to... I'm just looking at one of those hands expecting it to go up a little too high. You're a funny guy, Caleb. Thanks. No, okay. So the box. It's back. Yes, it's back.

The reason I think that money isn't real and how it makes sense with everything I'm saying is because, you know, I had something in mind. I'm trying to explain it. Like, it's all messed up in here. It's like combobulated. Yes. Yes. No, I have. Good self-reflection.

I'm smart. Trust me. I hope I see. it? Yeah, I mean, just, I'm trying to explain it. It's like a... Do you want to draw it? Do you have a piece of paper? I'll be glad to. We have a whiteboard. You can draw it if you'd like, big guy. I want to help you get there. Listen, we're going in a little right now. We'll get into the money a second. This is just when we learn who this guy is so I can communicate with him. This is the most I've

confused I've been in three and a half years of the show. All right, so best way to explain it is like, best way to explain it is like a picture. So we gave you the whiteboard. No, I didn't know if you want me to like write words or something, you know, to explain. But that doesn't really make sense. You're killing Lizzie. You're killing her. Yes, I said draw. Okay. So here's, I just do like figurative pictures, okay? Just this is like, this circle is like, okay, that's not a circle. Um, that's society. Okay, That's like... That's society.

The circle. And then my mind is this arrow. I'm trying to think of like how society connects with like... Wait, you're trying to draw how you think. You're not actually drawing what you think. Right now you're trying to explain to me how you're thinking about the thing you're thinking about. I just want to know about the thing you're thinking about. Not how you're thinking about it.

You want to know the thing that I'm thinking about it. Yes. Or how I think it? How you think about my... I don't. Do you remember how we got it to this whiteboard? I asked you, why are you on a money show where I will help you budget, cut back on things, and change your life if you don't believe money is real?

And then you tried to go back to the box and you couldn't do that. So we gave you the whiteboard to explain. So, okay. What's the question again? I'll be able to do it this time. Okay. Okay, big guy. I'm

Oh I'm trying my best here I'm trying to show you I see you working I know I know but like the picture I guess I just need clarification on the question one more time

Governor Whitmer the governor of Michigan has invited us to do a show with her to promote financial education I think we have larger concerns governor if you are watching okay no leave it on

yeah okay the question was okay If you believe money is fake, because I want to help you here. I want to help you here. If you believe money is fake, why the f*** did you come on a show about money where I help you get it figured out and live a better life? With goons and gaffs along the way, of course. But I would help. Why would you come on that?

So now you're done? That's the whole question. That's the question. Why would you come on if you don't believe money's real? I came on thinking that money isn't real because I want to. I wanted to just like explain how I think about money and how it's not real, but you should always like want to get better in finances, right? Finanically. Why if it's not real?

Why do you, why should you get better? Because societally it would help you. Okay. Wouldn't that indicate that it's real? If it's impacted on everything in society? Uh, I mean, technically. But it's like... Technically, what else matters besides technically?

Um... I don't know, but it's just like, money is like a societal thing. Please. It's like, okay, here's a dollar bill, right? Please, there it is. There are very squiggly lines every line you try to draw. Thank you. I'm trying my best.

There's a dollar bill right there? That's, there it is. Someone had, someone at one point had to be like, there's this currency that literally dictates getting anything you want in life. Anything you, okay, kind of. It's more of an exchange. Right, like bartering. But then they made this like...

We moved on from that, I guess. But then they made this piece of paper that's like... And it was tied to the value of gold and then it wasn't. And now soon it's going to be tied into the value of Bitcoin. It's going to replace gold. Okay. So stuff like... So what's the point?

My point is that money is a social construct. Like, that's pretty much what I'm trying to get at. It's like, it's real, but it's not. There can be two realities, right? I think I need to bring in my interpreter. I don't know what the fuck you're saying.

Bring in Brandon the interpreter. You know, you love him. It's Brandon the interpreter, also known in my Instagram comment section as a cuck. That was the top like comment. But he's the interpreter, ladies and gentlemen, and he's back. I'm struggling here. We can get down to the bottom of this. Yes. So right now we're talking money and I'm really trying to, listen, this is the part of the show. You all know. I'm trying to just understand the guest and we have Gary. so that as we go through the documents, I'm able to communicate better and more effectively to get him out

and also, again, have some goons and laughs along the way. Gary, I'm confused. I'm struggling. I'll be honest. He doesn't believe in money. He doesn't believe in the concept of money yet he's not a money show, but he says because he wants to get better because society revolves around it, but I guess it's still not real and everything is going to Bitcoin. What is the purpose of that then?

What is your point? What is your overall point. I really want to understand so I can communicate with you better. My overall point in all that that I was saying is pretty much just that like, uh, I want an excuse to, to, to for all of my spending habits, but at the same time, I've always thought in the past that like, it's like a social construct. I'll always make it back with like money and just overtime or like side hustles. Like, I'll always make the money back. Side hustles? I don't see side hustles. Where's the side hustles? You're working for the water plant? Correct. I also do photography on the side and I do pressure washing.

Okay. Yeah, the classic TikTok side hustle. I'm sure you do. I'm sure you make a lot of money off of it. Let's see. Not a lot. No. No? No. Okay. No, not a lot. What? You just said it's not a lot. I agreed and then you said no? All right. Mr. Hage. I'm... I make quite a bit. Not quite a bit. I mean, I make enough to be, like, sustainable side hustles to, like... You pay for the costs?

The costs. Now, Brandon, he called me hot guy. Please translate, so I can adequately respond. I think he wants to fornicate with you in the post show. Or maybe he's saying you're very popular. Hmm. I could see you in a Home Depot understall. He's talking about a glory hole.

Oh, yeah, no. Thank you for the interpretation. You're welcome, brother. Definitely not. You homophobic? Yes. I mean, the answer would have been no if it was no. I was about to say that.

Well, there was lots of thought. Lots of, uh, hmm, let me consider. Well, I'm not throwing off a roof today. Yeah, well, I'm definitely not homophobic. It's a little homophobic. He said I am, but I'm not. Trust me. That's the most clear answer we've got.

and just trust me. So you spend a lot of money. You say it's sustainable side hustles. What do you think you're spending your money on? I am spending most of my money on definitely more camera equipment. Hoodies. I love hoodies. Every time I go in the store, I have to buy hoodies.

Why? Because if it has like a cool design on it and it's like, it has to be like that stretching material. You're not even wearing one here. I wore one here because it was cold, but I took it. it off. I like to be comfortable. Like if it's this, if the situation changes, it's like warmer.

Yeah, I'm taking that thing off. You're being told you spending $55 to $65 a hoodie. How often you're getting a fucking hoodie? I'd say like one or two a month or more. Like if it, like if I'm going to the store, like once or twice every other week. And your parents let you go alone? Yeah, I've been alone on my own spending wise since I was like 15. I was like 15.

When I go to the store, my caretaker comes with me. Since 15, what do you mean? Like, I've never had, like, anyone be like, oh, you shouldn't go buy that. You should... But on your own, you're saying your parents didn't pay for your food and roof and blah, blah, blah, since 15? By that they did. But I'm talking...

So you weren't financially on your own since 15? What do you think financially on your own is? Did I say I was financially on my own? To be fair, I'd never really answer the question. Kind of. I didn't say those exact words. I don't believe. Okay, so it's coming down to technical words, sure.

So what are you trying to say again? Because as usual, I don't understand your point. My point is that I buy those sweatshirts and I was financially... No, no, you're saying because you were on... You're financially blah, blah, blah, blah something by 15. What is that? Since 15, pretty much it's like everything aside from like, you know, like food and like household costs.

Like, obviously my mom covered all that. Until? When if you, how long have you been independent, McGuy? Independent since after college. So it's really... Which was?

What age? Like, almost 23, 22. Okay, so it's been two years, potentially three. Yes. Right. So I... And when you gain financial independence,

that meant buying every hoodie we can possibly find. Well, Yeah, because it's my money. I'm making it. Yes, but why hoodies in overspend by, what was it, $1,000, $1,000? I forgot at this point. I believe it was like $1,600 over. Then why get the hoodies? Because all the ones prior years of me having them, they don't fit me anymore.

How much going out to eat last month? Dollar-wise. Ballpark $300? Okay. Yeah, $1,000. Okay, you don't know shit. You not track anything? Do you use any kind of app?

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Okay, well why don't you use it other than just set it up? Because you wouldn't know the answer to this question if you did. Because it's like I was trying to set it all up and I know it's very easy you know to do it.

Yes. But then I was like I got this so I did it Google Sheets. You in fact did not got this. I thought you spent 300. It was a 3.00. thousand just under.

Okay, going out to eat. Yes, food that wasn't groceries. Yes, yes, yes. What was your major? Zoology. Ah. Yeah. Yes, okay. That makes sense, doesn't it?

It does. Yeah. Okay. What's your favorite animal? Well, I mean, I got to say it. What's your favorite animal? Siberian Tiger Very good

But I just got to say At least I finished college So I dropped out and decided To do something with my life, yes Well, I'm doing something With my life You're poisoning in a city

Well I'm trying to take the floor right out I'm trying to advocate For taking the floor right out I don't think that's what got Flint No, that's not what got Flint And I know I got Flint But that's not me

I'm trying to help the water I pet the giraffe and I poison the people. I mean, I'm being told you're just endlessly obsessed with gift giving. Yeah, I'd say my love language is just giving. To who? Literally anybody. I mean, I can go into it, but mostly my family. I love just giving gifts if it's not even their birthday.

I just, if something reminds me of them, it's like, that's how I want to show appreciation. What about the insane amount of money you've spent on galaxies on? TikTok lives. That's gift-giving. Technically, but TikTok's taking it. They're getting most of the money, but I don't know how to, else how else to give them the money, the people. Why are you just going out and just giving everyone for the galaxies, though,

but you can't pay your own damn bills? You're ever spending by 1,500? Um, you know, sometimes I want to show my kindness, like, that's just from my heart. And I just, I wanted to buy those coins. for TikTok to give them... Uh-huh.

Yeah, to give them galaxies. Well, who are you even... Who are you contributing to? I'm contributing somewhat of an amount of the galaxies to the actual... Who? Are you giving them to? People that have, like, no viewers

and, like, moms and people that probably need them. I support single mothers. Yeah, I'll always support single mothers. How many have you made? How many have I made what? No, they say... Nud is the most powerful. I must be that because I don't know what that is.

I really don't. I am the f***ed nut. I mean, essentially, that's what I just said. Transcendant, you just got corrected. You just got owned. My Mr. Galaxy. No, to be, to be fair, it's not that much for a Galaxy. Yeah, but I'm being told you just go into random-ass people's TikTok,

just endlessly random people and just gift galaxies galore. You can't do this in any way whatsoever. How could you possibly justify this in an affordable way? I set a budget. I only bought a certain amount of coins, so that's a budget. You set a budget, but you overspend by 1500 and you thought you spent 300 going out to eat, but you spent 1,000. What are you talking about? You set a budget? You want to know a budget, if it was in a f***u. Well, now that I know the Austin Zoo doesn't exist. I think it's like a petty, it's like a little thing that this is not what you think it is.

Okay, it's like a wildlife sanctuary. Oh, that wasn't the point. You can't have me going, fucking talking about Austin's Well, no, only like 700 more eating out than I thought. That's not too bad. I have a budget, but it goes towards galaxies, and anything left over goes towards food. You have nothing left over. You spend 1,500 more than you brought in.

You have nothing left over. The way my mind works is if I get it paid... Please, yes. Okay, yeah, I'll draw it. Like, this dollar bill I had drawn previously, right? Yeah, let's keep using that. let's pretend that's now payday, right? First payday of the month.

And then I'm like, we're going to add a dollar bill. From this? Yeah, it's payday. Okay, so this is payday, first payday. It's payday. $1,500 bucks. Can you write payday so I know?

Yep. There you go. There we go. One whole word. And then... Nice and big. Let's say it's $1,500, right? All my bills come out that are due

before the next paycheck. And I'm like, oh, I have like $400. bucks left. So let's spend a thousand? No, I mean, I'll spend like most of that four. Let's draw. Okay. Let's say I have 400 left, right? After paying all my bills that are due between this paycheck and the next. Right? So if I have 400 bucks, it's like I have $400 to spend. It's like on galaxies and stuff. Because I don't have to pay anything between those two paychecks. Because I'll get my next paycheck and I'll have money for the next bills. How did you spend more than 1500 than you brought in then?

$1,500 more than you brought in? How? How? How? Just, I'll go into Costco or something, you know? And I see like a graphic T for my sister and it's like Winnie the Pooh or a cat on it. No, that's not, like small little like things like that. It adds up. Okay, the items. I get it from a very literal how. I get it. I mean more. If you are budgeting and you know you have 400 left over,

how then are we getting to the place in your math where you spend $1,500 more than you make and you didn't know? Oh. In your equation, your grand equation. Yeah, it's not a finished equation yet. I would love to see the conclusion. Okay, so 400 left. I spend whatever amount and then I'm like, well, you know,

the credit cards are essentially like free money, even though it doesn't exist, you know. Because ever since I bought my first credit, my first credit card when I got it, I was like, you know, I should be smart about this, use it as a debit card, right? But since I have, like, as many as I have now, it's like, come on. If I have enough credit limit left, it's like, that's how I do it. I mean, if I don't have enough from the 400 left over from that one paycheck, it's like... Okay. So when I spend everything that I'm paid for my job, I then switch to a credit card. But because it's not tied to my primary checkings, I don't view it as money that I'm spending.

That bill comes later. You get what I'm saying? I get what you're saying. This is helping me understand myself. Thank you. I'll hold your hand at the zoo later. All right, let's get into these numbers. I'm going to die.

I'm going to die. Let's send Brandon back. Hello. Please. What if we all three go to this do together? That's okay. Goodbye translator. Listen, ladies and gentlemen,

I hope I help this man. His worldview is very weird and I'm trying to get through. But this will still end up being a productive conversation in the end because I guarantee you, you know someone in your life just like this. And hopefully just send this to them and show them what they look like. Okay. I want you to give me a score from zero to 10 on your entire finances, your financial score. What you think it is, zero is the absolute worst, 10 is the absolute best.

Where do you think you stand? Previously? No, where do you stand now? Right now, I think I'm at like a one and a half. Very good. Where did you think you were previously? Like, that matters for some reason. Because I thought I was at like more of like a two and a half, three.

You're trying to tell me you previously thought. you were something else, not that you previously were something else. You're trying to tell me what you thought about. Like you're telling me about a dream you had last night. Yeah. I have dreams quite frequently. I care what your thought now, not what previous thought you had. Okay.

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That count. Learn more about that. I'm, I'm, okay. Let's see. What have we got here? Oh, a checking account. That's rare. Usually we start with a credit card.

So, unfortunately, it probably means something's interesting here. The available balance on your account wasn't enough to cover all recent purchases and payments. The account activity details available on the next page. On the date this was... You're overdrafted. Why are you overdrafting? For hoodies? Or for hoodies we're overdrafting? Well, because it's not real?

Well, you know, it's real? The penalties that you have to pay! Like I was saying before, uh, I've heard people say it before, too. It's like the late fees and stuff like that. they're not that much compared to like... Compared to what? You don't have money. You don't make money!

I mean... You make money, but you spend it all. You don't make enough to cover your shit. This is what I'm saying. Well, I think I do. I mean... What? Okay, the numbers, they might say something.

The numbers, basically. What do they mean? Yes. They're more coherent than you are. By far I mean not Not by that far I mean

I'm pretty coherent I think These pictures I was drawing And the way I say things Yeah Buddy that's the furthest you got on a picture Was three items Well

Because I was too busy explaining Okay I'm not good at drawing I'm not a multitasker I'm very much so Not a multitasker Are you a singular tasker? I'm a singular tasker

Are you sure? Oh I am You're able to even do one. That's the thing. I start doing the one task, the single task, and then I get distracted. And I don't finish that task until after I start three other tasks. What about the task of having enough money in your checking account? It's kind of down in the list of priorities.

Why? Because... But you just said, I make money, I have enough to pay my bills. That's the truth. That is what you said. Yes, in your own... words. Okay.

That's obviously not true if you have negative money in your checking account. That's not the most negative it's been before. Great, it's a competition. What's the most negative it's been? Negative 700 at once. What? Yes.

I've never heard of that. For what? So. For why? It was like that same situation. I had like negative 39, but then my car payment came out on top of it. Why would you prepare? Believe it or not, when the car payment comes out that means it usually comes out on a monthly basis on a consistent basis.

Yes, that's correct. Sure. Your car payments come out once a month, but it was just this one time, Kiel. Trust me. I don't. I trust myself, though. Good. Because if it was negative beforehand, and then I was like, oh, shoot, my car payment came out,

and I was distracted with other things, you know? If I was like, I... What, you're going to use the TikTok ADHD brain? as an excuse to miss a car payment? That wasn't getting lost in a sentence or a drawing. That's a monthly bill that is due every single month on a consistent basis. Yes, and it's written down in my calendar. Clearly, that's not enough.

You have a phone. Use a digital fucking app, dude. I do need it. You wrote it in your notes pad? Yeah. Great. Put it on the calendar. Set a reminder.

Yeah. I mean, I don't like having a lot of apps on my phone. Can I see these notes? These special notes? The notes? Yeah, they definitely don't have a manifesto in it of some kind. Please? I mean, I don't know if I have the notes on hand.

But you said they're on your phone. Oh, the notes for what? Brandon, I sent you away too soon. You just talked about you have a note where your car bill is due on a monthly basis. Yeah, like I'm a Google calendar. Good, good, good, let me see. That's what I was trying to get at. Yeah, the same topic we've been on.

Yes. So you want to see it? Oh, that's, let's, the third attempt. I'll unlock it here. Huh? You want to see it? Yes. Right?

Yeah. Car payment. It's on the fifth. Discover payment on the 12th. He has these in red. And I get the notifications. Like, ahead of,

so what's the excuse then? Four Saturday long runs at 5 a.m. Pay mom. Pay mom. I'm Friday off. Yeah, it's the twice a week. Can we learn more about that? Twice a week or twice a month?

Oh, twice a month, yeah. Every two weeks. We got you there. Here we go. Senior session. On Sunday, there's a senior session. Photography session. I take senior photos.

Do they have to go away from the school for you to be able to be there and participate? I mean, it depends who you have. But yeah. What about the state of Michigan? No, I mean, it's sometimes they allow me on school to do it. With special permission. I'm just joking. Or am I?

I hope so. Oh, upcoming. These are already, these are processing. We had Taco Bell, the Colony Club, Quarna, a tractor supply, Chick-fil-A, Colony Club, Colony Club, Spotify, Yacht. All of that was processing. That wasn't even purchases that were officially done yet.

Oh, good. And we started with negative $141.41. I don't know what. The checking account, the account we're talking about. This is still the same account? That's still the same account. Okay. So the reason that I went to all those places is because...

You were hungry? Well, yeah, because I like food. It's your actual reason. That's my reason. I like food. And they don't, no. Those were like events, you know. And they had-

Foulet was an event? No, the Huron club. Taco Bell was an event? The one thing I was referring to was an event. Not all of them. Clarno Tractor Supply was an event. Spotify was an event?

So the Klarna was not an event. You're right. So the one time we saw the yacht. He was a yacht club. It was a, I believe he was, I don't know, remember what holiday was, but it was like an event in like a tent party. So I had to buy drinks, obviously.

Wasn't a holiday. It was well after the 4th of July when you swiped on it. Memorial Day? Once Memorial Day? Or is that in my way off? Two weeks after the 4th of July. Okay. Well, either way, I was hungry, you know? I mean, that explains it. We don't need him for the interpretation because I'm good at it. Oh, that's a nice shirt you got. Thank you. Nice colors, too. Green and white. Yeah, it is. It's a better green, though. And hot flashes all shifted.

My nipples are killing me. I don't think so. And that's okay. Listen, I'm just going to say this. Both football teams suck, but at least mine won, my hockey team won the national championship last year, and you guys got kicked out beyond early, because Michigan State has a pussy-ass hockey team.

Well, I'm going to fully disagree on that. The Broncos. for the first time ever, our national champion. We won. Yeah, you won what, though? National championship. What, of D-4? Division one, we beat you guys like four times.

You know, the nation, the United States, Division 1, NCAA, the top dog. The biggest, in the biggest conference, in the best performing conference, NCAA. CHD, sorry? I'm going to have to be, like, shown that they won that because I don't believe you. Okay, well, here we go. You're telling me, Western Broncos hockey won the nationals. There are no bad days ever in Kalamazoo. Yes.

And beat MSU multiple times. Yes. Yeah, no. Okay. How can people from Kalamazoo beat anybody in hockey? Big guy. First of all, we beat you guys in hockey. almost every time because you guys do not have a good hockey team.

It's the one good sports program we have. Second of all, why are you so confident on something that you don't even follow? Huh. Interesting. That is very interesting, because that looks like a fake... Ah, yes, Google, classic fake website. Yeah, how reliable is AI? That was an AI response.

Okay, how about the NCAA website? You know, the one that is sports? Huh. Well, you know, it's like to believe it's like Wikipedia. Like anyone can edit it. The NCAA website. Okay. All right.

Well, either way. Listen, it's the one thing we got. No. MSU hockey is good. I'll hold on to that. It's not as good. Okay. Very good.

Going in here, we got Purchase at Wings. Oh, that's what we overdrafted for was purchase at wings. They have amazing wings. Yes, you overstrapped for it. Well, I didn't notice at the time. How do you not look at your accounts, dude? If you're running close to zero, how are you not looking at your account for every purchase? Well, for every purchase, it's like...

No, if you know you're nearing zero, how are you not freaking out when you're going and swiping? Because, I don't know, at that moment, at that moment, it's like... You spent a third of your income going out to eat. A third. Really? What do you think $1,000 versus $3,000 is? It's a third. I guess it is.

I don't know. Oh my gosh, ladies and gentlemen, that is by all technical metrics a better school and university. All right, listen to your financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations.

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I know. I'm just saying, like, they only accepted me because they lowered their standards. DEI for... Yeah. Didn't earn it. You did not earn going there. No. Are you accepted...

Is he clinically? I don't think so. No. Wait, I want to make sure, are you clinically... Never diagnosed. But I wouldn't be surprised. If you know a good doctor in this area, I don't leave till tomorrow morning. So if you want to get...

Not sending you to a doctor. No, not sending you. Just recommend. And I could go. I'll get clinically diagnosed for you. Stop, stop, stop, so you can... I think it just... I don't know.

You're obviously... What did you... It was in zoology, but... I mean, I never care about this, and I've never even asked this in my life. but I have to for you. What did you graduate GPA? Let's just say it was... What did you graduate GPA?

2.97. Okay, so almost 3PO. 3.0? Yeah, it was all right, but high school I had a 4.2. In Detroit. Yeah. I have a feeling you don't believe me on that. No, I do.

In Detroit. Well, is that surprising? No. It's the opposite of surprising. I see it all. Right in front. of me. Well, thank you. Oh, what the fuck?

Was that it? Was that it? Just the wings purchase in the overdraft? That's the entire account? Yes. That's it. What did I do? It was well worth it.

I'm trying to get around to where you are right now. It was fun. You know, I think it's funny too. I'm just trying to understand it. But it's funny. funny. I mean that that one purchase made it go negative right? It sure did. It sure did. Well, I'm glad I can make you laugh, Caleb.

I've just never seen anything like that in my life that I filmed so many of these. Oh, oh, yeah, that's the end of it, I think. Oh, you ended with negative $39. Okay. It's better than negative 100. Yeah. He sure is. Oh, okay.

Are those alt-oids? Tom. I want an altoid. I don't know. It sounded like an altoid. So Tom. Okay. You want a tom?

No, thank you. If he was an altoid, I was going to ask. It's also just from my pocket. Oh. Bass Pro. shop, classic card. What's going on with this card, big guy? First debt of the day, 53 minutes in. I, uh, I wanted, like, I'm really interested in outdoors animals, right? You could see from my degree, right? So I wanted a bass pro one so I could go fishing and get cool stuff for fishing.

What? We max out of $2,000 a dollar credit card to go fishing. It was not out of our interest of animals is you catching fish? Well, no. I don't catch fish ever. I don't catch fish ever. I I try to. But. Okay, so you can use that card anywhere, right? And I did that. Because I had money left over from spending at that shop, I was like, well, I could use it somewhere else, right? Mm-hmm.

Okay, $1,852.93 on here. $422 to purchase is pushing it all the way up to almost max. And that, that purchase was well worth it. It was the rate. Rayban meta. The glasses. They're not even wearing them. I have them here.

I just, I'm not wearing them. Dude, why? So my... Prescription? I've... But these just sunglasses. No, they're just glasses that record. Not prescription?

No. Why would you even want that? The only reason I got is because if I'm going to wear glasses anyway, I may as well capture more clips. So, my side hustles, right? Photography and pressure washing. I use them for, like, behind the scenes. like me using the camera.

Of which you post where? I post them online. Where online? Like Instagram and Facebook? I made pages. Yeah, and people book me through. I need to see. Pull up your Instagram.

I need to see. Really? All right. You're surprised. $58 minimum payment. Which one would you rather see? Pressure washing? Okay.

I have two videos. There's two posts. seven followers following three okay well to be fair I don't get a lot of bookings through Instagram

but Facebook yes pull up your Facebook probably about the same amount of followers you know but no like I post on like you know the local community pages probably pull up to photography Instagram

okay where you go meet high schoolers with your Meta Ray band recording glasses yeah but it has like a glowing light so they know it's recording the parents are always there too so no need to worry come on

stop there's my it's a little better I mean you're following more people than you follow so it's probably about to follow follow back um I was I was trying to like dumb down the amount of

or take all the not dumb down that was a stupid word I was trying to like delete followers that was following so it would be like a positive ratio of like following and followers I thought you said you were talking I was looking for the behind the scene stuff

you said you post behind the scene stuff oh well but there's a BTS story let's view it that was like from six years ago when I didn't have the glasses oh yes yes but so my that was the whole point no I know the whole reason of the video

or the glasses was to make the videos right but I have all the videos and I don't post them. They're just in like an arsenal of like I could just in a hard drive somewhere. I mean technically yeah it's on a hard drive but it's on the cloud. Governor Whitmer if you are listening. Check the hard drive of the high schoolers.

It's on the cloud too though so. That makes it legal. You bought them at Bass Pro Shop, didn't you? Right. Because it was there. And then the Port Huron Yacht Club again, the Colony Club again, the Five Foxfire. What's Foxfire? What's Foxfire 60 bucks? It's food.

Dare I ask why? Because I was out with a few friends and we wanted to go out to eat. So, yeah. I mean, that's my reasoning. Their food's good. Food's good. 31.24% interest rate on this. Well, that's on purchases made out of Paspro. Which is the majority. As that's where $1,500 of the balance is.

Yeah. which 32% doesn't take that long to pay off. How do you think it takes the payoff if you make minimumity payments only without making purchases of which, by the way you're incapable of not making purchases? How long does that take the payoff? Please. In form, not that long. 14 years.

Okay. Just about 12. That's not that long to you? No. You'll be approaching 40. If I make at any point a larger payment. Sure, but you purchase while also not making any larger payments. which is all you do is purchase and bring it to the max over and over again.

Well, I don't know. I just, it just doesn't phase me at the moment. Like when I make the purchase. Okay, so that's the goalpost we've pushed. As it was going to be paid off quick, no, it's not. Now it doesn't phase me. So of which point I ask, what the f is the point? I mean, just my main point of all this is just like, you know, like from the beginning.

Money just is a social construct. I got you. Then what are we talking about? We're talking about like my cards. All right. This is for you out there then. Just for sake. We're going to see them under a bridge someday.

MSU FCU. MSU Federal Credit Union. Well done. They got their own bank. We'll love to see it. What's going on with this card? So that card. This is insane for your income

What the fucking $9,584.581. This takes 30 years to pay off. This takes 30 years to pay off. Right, but. You'll be 55. That's still before I retire, though. You're never going to retire, buddy. It's your...

What the f f f did you do? What did you possibly do a minimum fee payment, $191. What the fuck is this? $100 of interest? Huh? What's going on here? What the So that card, I got it in college, my first year on campus. Oh, my, uh, no, it was a year before I went on campus and I was trying to use... It was a year before you went on campus. Right. Because I, during COVID, it was like 2021, I believe I got that card. And it was like, um... Oh, that's why you just like this. We were in school during COVID

We're finally starting to see them I mean I'm essentially an iPad kid And I Yeah and I don't have social interaction I'm getting Yeah I'm new to it you know This is your first one Yes

Okay so you open this card and you didn't have social Interaction So I spent a lot of stuff on it that Did not need But I justify those purchases Because my... You said you were out with friends the other day.

That's why you got that previous purchase on the last card. Right. But this, the high balance, has been stuck because the high balance and the interest, right? But I, when I was in college and I was about to move out, it was a year after I graduated. So last year, I put my down payment of my new card. No, you said you graduated two to three years ago.

Right, in 2023. But you're saying whatever you're talking about right now is a year before you graduated, which would have been three to four years ago, and you're saying last year? No, I'm confusing myself. So I graduated in 2023, but I got the car just before I graduated.

What? You said you got it in your first year. No, the card. I got the card. When did you get the card? Buddy draw it. Please just draw it. Please draw the timeline.

I can't follow it. I can't follow your brain. I need to visualize this. Let's start from scratch, perhaps, shall we? I get this open. There we go. Okay, so this MSU card. I got it in. Focus on the drawing. Since you can only focus on one thing, focus on, get it on paper. There's the card. I got it in, I believe, 2021. Okay. And then it was just like normal. It doesn't make sense because he said you got it when you first started college. And if you're graduating in 23, I doubt you started college in 21.

But it lines up with your COVID thing. No, it does. Like, I started... Were you at community college for two years and then transferred? Well, I mean, I did go to community college, but like my first year of MSC was online. Okay, so your first year in person? Yeah, my first year in person was the end of 2021 school season.

Oh, okay, keep going. So I got the card day-to-day expenses. I was just purely using that because I believe during that time, I didn't have, I had like one part-time job. So I was like, I was just wanting to pay my rent and never, all that and uh and then skip ahead a few years of just using day-to-day try it okay i want to follow i'm trying to focus on everything so day-to-day preaching and then focus focus on the whiteboard okay i might need help focus just focus on the whiteboard don't talk um we're putting music here just

just draw the uh and then 2020 just just just just Okay, there's lots of boxes. Okay, this box has wheels. Yes. So this is a car. I had a perfectly functioning car and then I passed the dealership right after graduation and I was like, that looks shiny. Let's just have to do with the credit card. Yes, I put down payment of my new brand car, brand new car on this credit card. So I put $5,000 down payment on this card. Dude, and a like 30% interest credit card. In what world? Did you talk to your parents before you did this for any advice?

So, well, you said you weren't even financially independent until after college. And you were in college here, right? What's the date? Put the date. Put the date. Put the year. Okay. 2023, right?

So I got that. Okay. And then on the phone call to justify my purchase to my mom, I was like, This was afterwards. After you already did it. Well, I was talking to the sales guy as I called her. I told her that my old car, the 2017, had a recall because it did. And I told her, the sales guy is recommended me, I get this car because the other car had a re- Sales guy, yes.

Yeah. He got me a nice car. And your mother said, yes, do this? Yeah, because I was like trying to justify it. She was like, yeah, if there's a recall. What was the recall? Nothing about safety. It was just about like the screen. I wanted to justify my reasoning.

Oh my fuck. So I mean, I feel like there was a reason. And it was decent. Los-s reason. It was a reason. Had a reason. It was a very bad reason. I'll agree with you on that.

Good, I'm glad. Because honestly, I wasn't so sure. Okay. Well, I'm just saying that this car was worth it. Yes? Okay. Good. Somehow even more simple than the previous.

Actually, no, we have four things on there this time. A box, a car, two dates, an arrow. And an arrow. So I'm doing better as we go along. Wayside Central, sushi, twisted fork. Wayside Central, looks like we're going in and getting some bullshit at our Wayside Central, going to get some BS,

the Burden Grill, and going in and get into BS, and cottage in, cottage, N. And Chuck's Shopping Safe. Yeah. You ever heard of those, like, Amazon, like, repert, like, it's like a mystery box. It's like...

You're mystery boxing from Amazon? Yeah, it was like this resale store, and they had, like, the Amazon packages that don't get claimed, and then they... And this is a... American consumerism's fault, not you. I mean, just the idea.

You're going to a store no one has ever heard of in their lives and buying mystery boxes from old Amazon items. Well. And that is America, not you. I mean, technically correct. Because just them putting out the idea that like, I mean, isn't that enticing, though?

No, not really. Like, you don't know what you're going to get. You might get like a 600. That's the thing about Amazon I like. I know what I'm getting. Yeah, but the mystery of it, it's like you could be getting a $600 pair of shoes in the back. You're not. I didn't.

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surrounding what is needed To make that a viable business Means you will probably not get it Statistically Oh I mean on some of these cards I've put This

You know the scratch-off lots lotos and I haven't won on them our hero ever but our hero yacht yacht BS

crafty crab not sure what that is dude you've had thousand dollars of interest last year $704 this year this is crazy and this is it a 12.9% card as far as credit cards goes it's not even that bad it's still really bad I need to be clear

but the fact is you lost that much in interest and it's only at 12.9? That's a fucking crazy this balances. You know, interest rate compared to like other cards, I was like, even though the balance is high, I'm like, over time, if it was a higher interest rate, I'm saving money. This takes 30 years to pay off.

Well, yes, if you put this on this card versus a 30%, yes, you save money, but I mean, that's it. You still lose money compared to anything else. Lose money compared to the stock market. Lose money compared to basically any other investment you could do. Real estate, whatever. Mm-hmm. Mm-hmm.

I don't, it's the lowest interest rate of a card I've ever seen. So it's like, oh, 13%. Great. Wonderful. Okay, Home Depot. What are you doing at Home Depot? I told you, I see you in the understall. So this is probably my most, second most recent credit card I've opened.

Wow. It was my mom's birthday. Oh. So we go to Home Depot? Well, yeah, because the fridge and the dishwasher that we had at her house, or her house. You gifted a fridge and dishwasher? Yeah. I mean, it was like falling apart.

And I was like... Which is lovely. You have no money. I know I don't. You're dying in death. You're not in the position for this. I know, Caleb. Go in with them on something maybe at the max.

Well, it was a surprise. How can you go have these surprise? Well, you wouldn't have. be able to and it wouldn't be a surprise and I'm sorry your little 30 seconds of joy wouldn't have been there. I'm sorry, but you'd be better off now. If you want to land a high paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that the single biggest

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introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch? Click the link below to sign up for one of their free courses today. It's just that like I love giving and I know I didn't have the money in my checking, right? I didn't have the money in my checking. Yeah, you don't have money anywhere. You bounced with literally one purchase to a wing place. Again, I'll hold that to my grave. Their wings are good. I didn't say they were bad. I know. But like the negative balance, it's like it justifies it. You spent double the price.

Right. But at the same time, I got this card because my mom deserved those. She did. She, she... Is it mom and dad? No, just mom. Does she make money? Yeah, she makes about the same as me.

Okay. So if you can afford it, she can afford it. And you can't. meaning she can't probably but I don't know her death situation however it would indicate if you guys came together and went 50-50 maybe that would have been okay that would have made sense

again I'm not saying I don't want you to do this right and you can't I can't but in this situation I did you know we know you did and $309 of deferred interest has accrued already when will it hit by I believe it's February

It is February. Okay. So this has to be paid off in a fire. Wireless can feel like a world of traps. But not with Visible. It's one-line wireless with unlimited data and hotspot. Powered by Verizon for $25 a month. Taxes and fees included.

Plus, for a limited time, new members pay just $20 a month for one year on the Visible plan. Using the code Fresh Start. Refresh your wireless with Visible. Tap the banner to switch today. Terms apply. Limited time offer subject to change. See visible.com for plan features and network management details. Five months. 1759.53. Five months. It needs to be a... What? What was it, $350? Hey, you're not making the payment necessary. Okay, $352 is needed on a monthly basis to pay it off before deferred interest hits. And obviously, we need to do that because it is accruing at 30% of.

interest. And we'd rather save that money. Deferred interest means like that interest won't hit. It will if you don't pay it off in time, which is February. But. But if you pay $352 on a monthly basis, you will pay it off in time. Yes, but those side hustles, I will make sure that it's paid off before then. Cool.

You spent $1,500 more than you made last month. It's about $1,000 going out to eat. Misalini's bullshit loan looks like $900. Unknown shopping, usually Amazon, Walmart. you know, stuff we can't 100% tell. It was an additional $600. Other large purchases, which will go over, $330. I don't believe you.

Discover it. What's going on? That card I opened as soon as college started to when I was in person. My buddy in college actually recommended it to me. But he was a lot more structured. He paid it off after every purchase. Like I was originally going to do with all my credit cards. You were originally going to do it.

What changed? Uh, consumerism. Oh, dude. No, it's like, consumerism is still spending. Why don't you pay it off? That's because sometimes... The goal. Sometimes I wouldn't be getting his money hours at my part-time jobs.

So I would just... It's giving me so much confidence from your side hustles to pay off the previous card before the deferred interest hits. No, I mean, I always definitely make sure... I mean, besides like a few late fees I get, it's like, I don't know, I always find a way to make it paid off. Not paid off. I make payments. But, okay, yeah, you made your payment. Minimuthly payments $118.

$97 and 93 cents of interest agreed. It takes 19 years to pay off, minimum payment's only. Credit score 664, we see. This is at a 24.42% interest rate. $665 of interest this year so far. that's a two months ago actually technically when the statement was so i actually called discover and got my interest rate lowered it's a temporary it's usually a temporary thing so be prepared well i don't know for sure but that it typically is it's like usually a hardship

temporarily but also they'd probably close your ability to purchase on that i think because you're not a credit card person you can't manage credit cards to save your life listen i'll get you the fizz card debit card that builds credit. So I'll get you that. If we ever want to upgrade your career as well, boost your resume, course career certification. I'll get you a free one. It's changed lots of people's lives in the audience and on the show as well, okay?

We'll get you that. And when you're ready to set money aside, I'll also get you set up on the Webel app. It's a good place. Lots of intro balances when you, intro rewards when you get in there, hundreds of dollars when you transfer money or put money in. And temporary yields up to like 8% on your money.

So there's a lot of good things. And I'll set you up with the resources and all our classes and all that stuff, okay? But you're obviously not a credit card to card person. That is just clear as day. Well, it's as long as I thought of that in the beginning that I was. The fifth third bank is nostalgic as a Mishigander. Haven't heard of that in a long time. $3,309.58.

What is going on with this card? $71 of interest. minimum fee payment $103.44. What's this? So that card is the very first credit card I've ever opened. Okay. And I know you technically haven't said that, but you've kind of set up the other ones almost sounding like they have been. But I get it. This is the very first one. Yeah. And it's, I've pretty much kept the same balance because I'll do just like, just do like small little purchases. Like, I do like this kind of like.

Oh my, the reason you got into this credit card is insane. This debt, this, this, the credit card debt on this one's insane. Because you guys have a ritual in college to go on a spring break trip to Myrtle Beach? And then you got arrested? You got arrested. For what? Taking pictures of young girls? No, no.

Definitely not the reason. But, yeah. What was the region? Reason. So in college, I would go on spring break trips with my friend group. And, uh, yes. We would, uh, we would have fun. We'd go out to eat, go, go drinking.

And then, yeah, just. Yeah, that's what they arrested. people for? I mean, yeah. In 2022, spring break, I, was this card.

Yeah. I was dragging a cone through the street. Okay, not a young woman back to your place. No. Okay.

Continue. You're dragging a cone through the street. Yeah, to bring it back to the Airbnb. Because who doesn't want a traffic cone in the Airbnb?

Yes, who doesn't? I don't know. Ask everybody. But you love trains as well. I do love trains. Okay. What was your punishment for this arrest? Probably close to a thousand in fees. Because I had to do like a life class, alcohol class, and I had to do like, I believe 24 hours of community service.

Dude. And it states that's not even your own. No, they actually wanted me to come in person for court for hearing. Yeah, that would have been crazy. 14 years to pay this card off. This is insane. Is this still on your record? No, actually after this year, it'll be gone. I never paid the 250 to get expunged. Oh. Okay, interest is here so far, $500.

That's insane. 25. I mean, this year so far, we've had thousands of interest, meaning by the end of the year, we're going to have multi-thousand's of interest. 25.74% interest rate. Bend in a Merle Beach, I hated it. But I'm not a part of year. We're back to MSUFCU.

Oh, this looks like a car. Was this this very special? car you got? The, uh... Well, I know. What is this? What am I looking at? I believe that's a...

Signature loan. Yeah. Have a personal loan. Yeah. $776,000 personal loan? It was a $2,000 loan. For what? And when and why?

So it was my apartment right before I graduated college. I wanted to be able to just like make sure I could make my rent payment. Why weren't you making your rent payment? Because I wasn't working as much as I... Why weren't you working as much? Why did you work in as much? Why did you get the apartment? Because I thought it would be worth it because it was with all my friends.

I was splitting it. For fun. See, it's always for fun. See, that this works? No, I mean, like for fun, like you got to have fun in life, you know. Yeah, but you don't have to destroy everything to get there. You can have reasonable fun. You locked yourself into a 12-month contract.

That's something you couldn't afford in order to live up the party life you wanted to. Yeah. And I mean, those parties were fun, but it paid for my rent, so. The person alone. How many months did you have to borrow or pay for on the personal loan? Uh, what do you mean? Like, how many loan? Uh, oh, okay.

So I paid probably like six or seven months of rent. Oh, half your term? No pain. You're still, you were done in 2023 two years ago and you're still paying your apartment at a 13.49% interest rate. That is insane. disgusting and insane. It's not insane.

You want to know why? Why? You're still paying for your rent two years ago on a dramatically high interest rate. Yeah, go ahead. Tell me what's not insane about that? Because the way that... Because I had fun? Yeah. No, tell me, what was your reason?

So the interest rate on this kind of loan, I believe it's like already calculated out. So it's not like... I don't know how it all works, but it's like... It's like 6823 a month. month. It's, I don't know. It was like, it, all I'm saying is like, it was worth it, like, to be able to get, to get my apartment. So I could, like, hang out with all my friends. You should have worked for it. Just paid for it, dude. I did have, like, even student loans, maybe. Would have been better than this?

I mean, I did have, like, three to four small jobs to be able to pay, but I was on. Two real jobs then? Yeah. Synchronic, what's going on with this? That was my most recent card. Oh, good. I needed new tires on my car. What the f-1270?

My justification is because it would be three years worth of tire. What will it be? Hopefully. If you get a pop? Well, the reason I got the extra like $100, it was going to be like $1,100, I believe. I got like the protection. Like if it popped, I could get a replacement. $64 minimum fee payment.

Uh-oh. Fees adjustment? Why is it a $30 fee? Six years to pay this off. Why is it a $30 fee? Because I was in there like the combobulation of like... Combovulation. Yeah, of like putting everything in my Google calendar.

You were in the... What? I missed the payment. Because it wasn't in your special Google calendar? Why don't you have things on auto pay? If there's one thing that is similar across, every guest that comes on financial on, auto pay? Because I don't want to go as negative in my checking as I can. But you shouldn't be.

You shouldn't be spending $1,000 going out to eat. $700 or $900. No, $900.00. And then you wouldn't be. You had a late fee because you've your combobulation Google calendar. Yeah. I mean, it got lost in the sauce. I was trying to put it all in there. I missed it. It got lost in the random Google calendar. You're putting random women's names in the Google calendar, run events, three days of work. It's confusing. It makes no sense. I don't know what else to do.

Do I put a different calendar for you? I don't pay. If you're going to pay them regardless, what's the point then? But the way I have been doing it. Wait. Is this deferred? Oh, it is a deferred interest. That's 35% says it'd be paid off mid-nix year.

What are we in? I know. So we need to pay this off in. Let's call it nine months. $1,270.60. $0.60 divided by 9. You got to make a payment of $142 a monthly basis. Pay this off, and you didn't.

And the late fees, certainly the fuck won't get us there. I'll tell you that. Got to do that. This is going to accrue hundreds of dollars of interest. Hit that 35% interest rate of death. Yes, that number is real. I didn't know it was 35. Of course not.

Why would we pay attention to numbers if we don't think they're real? That's when our worldview impacts us. Kinch? Sounds like a slur. What is this? What is Kinch? It's my car loan. Oh, yeah. What's the car? 21 Ford Edge. SEL. Listen, if your income is, it's not thrilling. The amount owing $26,836.37 with the minimum monthly payment of, and you must have a long term for this to work, $386.33. What is your term? What's your interest? trade?

9.29, I believe. What do you think it's worth? Kelly Blue Book told me like 21. 18, Kelly Blue Book says, by the way. So that's a lie. And that's private party. That's not even trading. Deduct about 2,000 for trading.

So fuck off. I don't know. Kelly Blue Book two years ago when you bought it? Yeah, maybe. So you're underwater by, you know, $8,000 or so. And then you have, what was it, a $5,000 amount of credit card from the down payment? No, $10,000.

$5,000 of which was the down payment. I actually had to increase the limit so that I could put the down payment on. Great. Yeah. This is fucking insane. This is at 9% interest. That are the ones at 16% or 15% or no.

I think it was 13%. The MSUFCU. Oh my gosh. And the term must be, this has to be like a 8 to 10 year term. Probably 8 year. It was like 72, 84. What was the interest in your old car? that I have a screen issue.

2.9%. Oh. I didn't know of the 9% until... What? Yeah, because I was like... I guess you're right. When your worldview's numbers aren't real, why would you look at the numbers?

You see how that f***s you? Do you not see how that fucks you? Oh, I do now, sort of. But... How's the car doing? Pretty well, actually. Oh, that's a brand new tires. Is it better?

Now winter tires, too, up in Michigan, huh? Yeah. Even though you're in East Michigan where it snows substantially less anyway. Yeah, it helped me move my brother over to Wisconsin. He just moved there and I drove him. Wow, we got 2,000-hour tires

so we can move someone to Wisconsin. Yeah, I mean, it helped to do that. But the day-to-day and, like, having that car with the new tires, it's like, it's nice to have. Very cool. Student loans. So you did use student loans,

but why didn't you use it for the rent? last year instead of putting it on an insanely high interest rate personal loan because some of these loans that that were taken out um i would use for like day-to-day expenses also like what were you capped out on how much you could borrow what was happening could you borrow more where were you i mean it doesn't sound like your mom's the the highest income earning person which i don't know if you get pelgrant taxes but you would definitely get very generous subsidized student loans No, yeah, we got FAFSA. It covered a lot of the tuition, but...

Uh-huh. But why didn't you get more instead of putting it on a personal loan? I'm not happy you did that regardless and didn't work. Well, you worked very weird. Or got into a rent situation for fun instead of something you can actually afford because I guess that's all that matters when it comes to getting our degree is fun. Regardless, student loans would have been a better option either way. Very possible.

Incredible response. You remember, the question I asked is, why didn't you? So the reason I didn't is because at the moment, me and my mom, we verbally agreed that, like, we just wanted me to, like, have fun and get through college and get my degree. Your mom agreed for you to just f-around and have fun. I called her right now. She would agree with that. To not F around, but just to get me through college.

Exactly. But you said to have fun. I used it for that. Disgusting use of our money. I'm going to put a $50 payment. You'll get on the repayment assistance program when you're forbearance ends. Your forbearance ends is going to, because you're probably on the safe plan, it looks like, right? Were you on the safe plan?

Yeah. Okay. Forbearance end will end mid next year. I think it's about June, June or July. When that ends, you're going to get on the wrap plan, the repayment assistance program. It is the new income-driven repayment plan under the BBB. And I'm going to assume that's going to be about 50 bucks a month. Yeah.

So that's what I'll put in. I actually don't need to put that in now. So I'll cross it off. We won't add it to the budget, but you will have to expect to pay that. But you actually have to apply to be a part of that. Or else you're probably going to get auto-enrolled into just a traditional 10 or 20-year payment program.

But remember, if you stick in this income-driven repayment program, 40 years do you have to make qualified payments for you to have a chance for it to be forgiven? 40 years. For a chance. Yes, if you make your payments. Okay. I mean 40

40 years is a long time But 20,000 I mean I I do make Decent amount of income True but not after your expenses Because you've And you've just maxed out

All these credit cards Taking out stupid loans In a car you probably can't afford While also boosting Your Your checking accounts To their overdraft status Is that all your debt

Because I have another checking account In front of me Is that all your debt? I believe it's all my debt We ended at $2,000 to this one I went up from one What's in your checking account right now? Right now

Probably 260. $260? Yeah Great. It's about 15% of what it was not Great Great, great, great, great, great, wonderful

Illustrator, Colony party store Yeah, getting some party service Probably just booze Going on and getting some bullshit Getting some BS, getting some BS, getting some BS Spotify, going, some reoccurring purchase for $30.

I don't even know. Staples, tractor supply. Bulls, bulls, bulls, bulls, bulls, going in and getting some BS, going in and getting some BS. Mobile Kitchen Taco Bell. Facebook, you purchased something. $23.87 of you doing advertising? Yes, that was for advertising.

Better have a return on investment, but I don't trust you to say it does. Pixie set Herrick House Zellin out $250 Microsoft Xbox It's $10 so it's this Xbox Live I think Speedway

Yeah he went and got some bullshit Winning got some bullshit Senor Tequila Amazon Genie Withdraw Amazon Paypan out money So the

Boot Leggers Bootleggers Yep Yes So the Zell and all that, like the payment. There's another reoccurring purchase, $30. I don't know what it is, though. I mean, when he got some bullshit as well.

Yeah, there's some reoccurring purchases that I always see that, like. Yeah, reoccurring. Here's another $30. I still don't know what it is, though. It's blacked out. Some of them. Liquor store. Cabana Blue.

Some of the recurring purchases, I don't know what they are from. Hellgators. Getting some bullshit. Tequila, tequila, tequila, tequila, decailla, Deerrequent, Tequila, Tequila! Get into BS, Photoshop. Applebee's Google Google

I don't know reoccurring $30, reoccurring $30 Oh shit dude You even know what that shit is That's fucking crazy That's crazy Oh $209 in this account Down for 546

I guess that's your savings Well done Acorns $122 Remember when you sign up for acorns It's $20 using my link It's usually $5 so go get yourself For $20 to sign up for acorns But

and it's good but you only have $122 in there so I don't know Retirement system 2,200 so You're just getting started off so I'm not going to freak out about that But Yeah just hold up your phone There it is open it

All right open and give Open and give There you I'm gonna fucking find this hard drive Look at your subscriptions He has Peacock, Lose It And alarm me Alarmie? This is iPhone. The alarm app is perfectly good. I use it every day.

So that's the thing. That's a $60 thing. The reason I've lost so many jobs in college is because I'm not able to wake up. And I was late many times. So I had to get a subscription to where an alarm that would wake me up. Sake. Does that even make sense? That makes sense. It's on the same phone. Get a physical alarm. Yeah, I want to hear it too. We'll listen to it in the post show. But get a physical alarm. If that's your phone. your issue. I have three physical alarms.

Okay, we got, do you... I have four alarms on my desk. Yo. You have a girlfriend? Yeah. She live with you? No. Hmm. Yeah, body wash.

We got it's like 10 in one shampoo. Running shorts, running shorts, mouth wash, picture frames, Monster, Ultra, Energy. A lot of picture frames. I share this. Cruiser accessories. dazzle license plate.

That's not mine. Car coasters, charging thing, sparkling ice, black raspberry, sparkling water. How much of this is yours? Because we got Diet Coke,

then we get back to the monsters, so I'll probably stop it there because it looks like we're starting to recur. But I don't know what your $30 reoccurring thing is that popped up like five times in one month in your checking account. I'm not sure either, but there's sometimes in the past where it's like,

there's these subscriptions for like Disney Plus, and I can't figure it out. and I, one time I figured out that it was someone in Florida that was using my card, and I just, for the year and a half, I just let it go because I couldn't figure out where it was kind of. Debit card? I believe it was my card.

What are those purchases? What does this say in your phone? The $30? Yes. I can double check. I'm not really sure. You can pull up your checking account real quick. I'll start adding up your shit while you look.

It was $30 even, you said? Yeah, constantly. Do you have an unredacted version? Oh. Oh. So that I have like on the actual web for my fifth third account, I have like this automatic transfer to my savings. That's what it is? Okay.

It gets like once a month. Your savings does nothing in it? No, but that was $30 like five times a month. Oh. No. Okay, your debt minimumity payments are $1,419. If we do the Home Depot and synchrony card minimum of the payments required to pay it off before the deferred interest, which I think we should. Except can we?

I no longer know. because that is already half your income. 3,100 is your monthly income on average. What is your rent currently? 600. Okay. Detroit, ladies and gentlemen. Internet, gas, electric, all that good stuff.

All utilities combine. All those are included. So it's only 600. Detroit, ladies and gentlemen. Phone bill. That kind of ties into the 600. My mom helps me with that. Does she help you with it or does she pay it?

I'm on her place. Does she pay? Do you give her money? I give her money. How much do you give her? I believe it's like 25 a month. Okay, when you need a switch, if helium's good in your area, do helium. We like helium. You'll probably be at 15 bucks a month for the same service as T-Mobile, so.

Okay, gas, vroom, vroom drive, drive. Very car-dependent city, Detroit. I spend a lot of money a month. And how much is that? Probably $300 a month or more. Car insurance, how much? Or more? Okay, I'll say $350.

Car insurance. About $130. Highest car insurance state costs, by the way. Michigan, fun fact. $300 for groceries. Use the budget for in the cookbook. Meal prep, meal prep, meal prep, warm up and microwave. TP fund anything else you need to survive $100.

Medical health care. Are there co-pays and whatnot? Yeah, it's $30 co-pays. About how frequently? I only go to the doctor like twice a year maybe. Okay, then I'm not putting it in. Your budget is necessary. Subscriptions will try to say $30.

Do you have any pay? My mom, there's like four cats and I help sometimes to buy their stuff. Don't. She does. You need to get out of this. You need to get out of this. It's time for you. We need to separate.

I'm sorry. It's just like you, I don't think, I don't think this budget's going to actually make you to a survival point. So we definitely can't pay for anyone else's shit. And we don't know what her spending looks like before you even support her. Yeah, because you break. You barely have money left over. $2,954, meaning if you do this help, you're barely breaking even, and that's if you don't have any fun spending at all.

But still, this gives you $146 left over on a monthly basis. You have, student loans will do minimum payment until we pay off. So $70,561.6 of loans, but we are going to minus the $20,6.46. of student loans, you have $49,914.60 a bad debt. At $146 a month, big guy, that is 341 months. That is known as 30 years, rounded. 30 years to pay off the debt. So this is impossible.

This is impossible. And here's the thing. This is the thing, and I'm going to call her and I'm going to yell at her in the post show. I have a note here that the girlfriend is not supportive of his financial journey. He even told her, apparently, in my notes, that he, needs to spend less money and she did not like that at all. So I'm going to call her. I'm going to hmm, it is time to have that confrontation and that real talk because this is impossible. This is impossible. So a couple things I'd recommend. One, different career path. Get in, make more money

that helps and then still live the same lifestyle that I budgeted, not elevated, not the lifestyle you're currently living. Then you can pay off the debt quicker. Go get a second job. We know you have four days off a week. Go get a second. job. You need to bring in more money. That will help pay off this debt. Bring it to an extra $500 a month and all of a sudden that, what was it? Like $50,000 becomes paid off in a hundred months. It's not great, but it's eight years, certainly better than 30. Bring an extra $1,000 or bringing it down to four years. There we go. That's doable. Or number three, prove to me that you can make your minimum monthly payments required and not spend money on bullshit. Follow this budget for

three whole months. Three whole months and then I will allow you to go through bankruptcy. That won't, you're not going to, well, let's not use the car in that, even though I would definitely get a cheaper car if I was due, but unfortunately, the math doesn't work for that. And two, actually, yeah, maybe get, because I knew you get a predatory loan to get a $10,000 car. A car we might deal with later, but it will at least get rid of the credit cards and obviously not student loans and probably not, and definitely not. Well, we won't do the car.

Those are the three options I'll let you consider, but either regardless of the, this. It needs to be three months is what I need to see. And then I'll talk to you again of perfect following this budget, no questions asked, because you don't have the wiggle room. That's it. And then we'll talk strategy. Those are the three paths. All right. I'm going to call his girlfriend in the post show. So make sure you subscribe to Hammer Elite to come watch. Well, let's get his Hamer financial score. Spending it a budget. He overspent zero out of ten. Debt horrendous for your income, but there's no collections IRS debt. One out of ten. Emergency fund, not even a thousand dollars. Your order a 10. Retirement.

for your age, be in our track with where we need to get to by 30. It's on 100% great. You are just getting started 2 out of 10. But it's expected to be 2 out of 10. Real estate, as expected right now, is 0 out of 10. But spending your budget doesn't have to be 0 out of 10 right now. Debt doesn't have to be 0 out of 10. And an emergency fund doesn't have to be 0.10.

Okay. Those don't have to be far. At your age, the expected low ones are retirement in real estate, and those increase with age. And that's reasonable. And that is fine. Okay. That's going to be a hammer financial score.

Oh, barely made the cut to round up to a one out of 10. Click that joint buy and join Hammer Elite for three premium shows posted every single day, Monday through Friday, including the post show and extra 20 minutes of this episode where we are going to call the girlfriend and have a very tough conversation. I'll see you guys there. Gary is planning really, really, really wants to move to South Carolina. How the fuck are you going to make this move? Gary needs a wake-up call. You're going to call and tell her now.

I ultimately want to like move down to South Carolina. No, um, I thought we were not moving. I've not wanted to say this to you because I know you like to go do those experiences and all that. Yeah, well, that's like called being in a relationship. Glusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the sun. Trust us. We've tried. This summer, it's time to put that angry ball of fire on mute.

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