Financial Audit - Broke Loser Is Mad I Won’t Hire Him | Financial Audit

Episode Date: November 6, 2024

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To watch episodes of financial audit a week earlier, check us out on YouTube. How are you doing, DoorDash? Girlfriend's car. You're 36. What are you doing? I can't work. Why? I don't have the driver's license. As you probably deserve for driving without a license.

I asked you if you guys were hiring. How many times have you been arrested? Once in the last five years, I want to say. Prior to that, it was like probably every like three or four weeks. You're not getting into the job. Hi, my name is Sawyer. I'm 36 from Waco, Texas. is and this is financial on it.

Thanks for coming down to Austin. What do you do up there for a living in Waco? I come down here in DoorDash. To Austin? Yep. Well, wait, how far of a drive is it from Waco? Hour and 30 minutes. That has to eat into the whatever, you know, little profits.

We're making on DoorDash, right? With maintenance and gas. I mean, you know, it paid a play, I guess. Oh. Okay, a lot of pay-to-play things typically lose money. It's usually what pay-to-play is kind of known for these days. So I don't know if this is a phrase I want to start using. Okay, what are we making?

How much DoorDash are we doing? I usually work two full shifts like Saturday, Sunday. So 16 hours. The fuck are you doing Monday through Friday? Wait, you're 36. What are you doing? That's what I'm doing I'm door dashing

Monday through Friday what are you doing Dash and like side hustles But you just said you worked two full shifts Saturday Sunday Okay walk me through Monday How much door hash are you doing in a week Mostly just the 16 hours in Austin But like if it picks up in Waco

I'll pick up a couple hours here and there Okay What are the side hustles then? I do a bunch of resets. I do a bunch of resets. selling. I fix cars for people and do like some handyman stuff. How frequent is all this? People call me for stuff all the time. How much money do you make in a week? Your median week? I haven't averaged it out. Like two weeks ago, I want to say I made probably $600 or $700 doing two cars.

Well, is this considered a good week or bad week? I would say that was a good week. Oh, that's just from the car thing. Yeah. No, no, no, total. How much do you make in a week, usually? Total. Between $400 and $700. Across everything? Yeah, give or take. And that is before expenses, right?

Are you doing that post, gas, maintenance, insurance, car payment even? I haven't really factored any of that in lately. Lately, what do you mean? But isn't that how you determine if you're making or losing money on DoorTash? The car situation has been complicated. Go on. So my car broke down, my new car. What was it?

20-21 Nissan kicks. Nissan. Okay. How did it break down? Transmission. Nissan. Completely cooked. And seemingly warned he was like, that happened to all Nissan, so we're not covering it.

Okay. So I took it to the dealership to see if they could do anything. thing and they were like $7,000 to fix a car that's worth $11,000. I was like, no. How are you doing, DoorDash? Girlfriend's car that I picked out for her. The girlfriend's car. Yep.

Can I make fun of you for a second? Normally I'm not like a make fun of kind of person, but can I make fun of you for a second? Come on. No career wearing Jared's epic blaster battle and you got a girlfriend. Where's my girlfriend? Where's my girlfriend? friend. Guys, what am I doing wrong here? How have I failed this game? Okay, I'm done making fun of you. I mean, maybe you should show up at his epic blaster battle. Okay, is that where

we meet them? I mean, are you going to wing man me at Jared's epic blaster battle? Absolutely. Okay, thank you. Okay. Okay. So you drive for a car. Yep. Okay, cool. And is that it, How long have you guys been dating? We just had our two-year anniversary. Oh, good job. That's really nice. Is it, how does she get around when you do it? Like, how does she get around?

So she had dynamic. So her car broke down and I told her it wasn't worth fixing. Her parents, I guess, donated a van to her. And we're trying to sell the van and got this car for her. But I ended up needing to use the car. What is it? The car that I'm using? Yeah.

1999, Honda CRV. Okay. Okay. How many miles on that thing? I want to say $250,000 probably. Okay. Well, how much do you think came in in the most recent month in your statements?

Most recent month? Yeah. Yeah. In the most recent month. Cross everything. This is coming through Zells and meta and cash app and chime and bank. and bank transfers, PayPal, Apple, Apple Cash, DoorDash, Payout, and payroll, actually. So what do you think came in?

I want to say, 1,200 bucks. Okay, so this is where it gets a little confusing and where this is going to be an interesting episode. I'm excited to dive into these numbers, like legitimately excited to just wade through this mess. technically what we think potentially came in was 5,367. What's confusing is it's a lot of random transfers. Like Jake tried to sort through a lot of it, but a lot of that also could just be moving around on accounts. We don't know what's necessarily moving around while it's coming in fresh.

You know, it's a little hard. And chime, you know, you know, who even knows? The payroll is confusing. You say, you don't have a job. So this is a mess. obviously I want to get into these finances and start waiting through, but a lot of people are probably wondering, and I'm also very curious, where has our career been?

Like, what is going on in your life of career? So I went to school for automotive maintenance technology. Oh, okay. And that's kind of where my background is. Yeah. So most of the jobs that I am qualified, for I can't work. I, why?

I don't have a driver's license. Oh. Wait, but technician you needed a license for that? Wow, I didn't think about that. That makes sense. For insurance purposes. That makes sense. I get it.

So, I have a license. Okay, so let's get you a license. Okay, let's do it. Okay. Need $10,000. What the fuck are you talking about? I have to pay off about $10,000 in citations. Citations for what in way?

Did you shoot someone too hard at Jared's epic blaster battle? No, I got shot too hard at epics. What are the citations for? No license, no insurance, no registration from when I was a broke college kid. And if these is, hold on, they haven't, have you not faced more repercussions for not paying what you owe? I have. That's the thing. So every time you get stopped with no license, they add a suspension of as you probably deserve for driving without a license.

Agreed. What would it have cost at the beginning if you just dealt with this? Like $25,000. And I paid $15 in searches that are completely gone now. In college, $25,000 was owed? Yes. Wait, so what exactly happened to mount up to that? Like I said, it's just you get one ticket and every, they add a suspension every time.

No, at the beginning, how much would it have just cost the first time? Oh, I mean, whatever insurance and. There you go. Why didn't we do that? I didn't have a job or. Why didn't you get a job? I couldn't find a job. I didn't.

You mean you couldn't find a job? You couldn't find a job. Listen, I was going to school 15 hours a day. 15 hours a day. Okay, that's a lot. But also, I mean, life things happen at a certain point. I'm not saying like everything that I'm about to say here in these next couple minutes is going to be a lot easier said than done. But when life happens, you know, every once in a while, maybe we have to take a pause from school.

Because, I mean, were you in Waco? Yes. It was a Baylor. No, I went to a technical college. Awesome. And I only went there for a place to live. Okay. Well, that's just another reason then.

Because you can get a place to live by working a job if you're not going to school 15 hours a week. I mean, you're not wrong. No shit. I didn't know, I didn't have any resources. I didn't know anything. I just got dropped off there. I mean, just got dropped off there. So I turned 18 in foster care and they dropped me off in Waco.

I didn't know anybody. Whoa. Wait, in Waco, where were you? I was in west, a little city like 20 miles north of there. In Waco, they just like, took me on a bus and they're like, no, they didn't take me on a bus. They took me in a van and dropped me off like at the like health and human services office and said, good luck.

that's hard. Yep. That's hard, man. I'm sorry. So, like, I didn't even have, like, my ID or transcript or anything. And that seems pretty, that seems like some negligence on their part. Yeah, I mean, that's the foster care system. I mean, to not have your ID with you.

Yeah, I mean, I hadn't even graduated high school at the time. I still had, like, half a semester left. Okay. Did you end up completing that? I had to take a year off from high school to get my transcripts. and identifying information. But then I enrolled myself and graduate it. Wait a fucking I didn't.

I'm sure everyone's brain out there has connected this. I didn't. Now my producer's like, Caleb, you're a stupid f***. And I'm like, you know what? You're not wrong.

How the fuck are you driving DoorDash right now? So I use other people's accounts. But you're driving without a license. Yeah, that's why I use somebody else's account. Oh, my. So you're just, I mean, you're going to get arrested, right?

At some point? At some point they're going to be done with your shit. I got arrested a couple weeks ago. And? On the way home. And? It's just another addition to the money that I owe. I mean, doesn't there become some breaking point, though, where the judge is like,

you're obviously just scumming around. I think we need to take you off the streets. It's traffic code, so they can't do anything more. Traffic code. Yeah. Traffic codes won't add up eventually to any kind of... Well, it is enhanced to a class B, but because it's traffic code, they can't do anything beyond that. If it was, like, criminal code, then I could actually get, like, get jail or prison.

You know, the crazy thing is sometimes it feels like our laws, you know, are very, very strict for what seems like, kind of minor things. But then in this case, like, you're actually, like, dangerous in certain ways and very much breaking the law. It makes sense that you should honestly probably be punished. Like, actually. a little more. I mean, it's costing me a lot of money. Kind of. You're not paying it.

I'm also not making any money. Yeah, you're not making any money. Okay, so the foster thing, that absolutely sucks. Absolutely sympathize with that. I get that. You know, they definitely failed you in some areas. Obviously, I wasn't there and I was there. We're just hearing your side, but whatever.

Okay. Now, we'll take your word for it. That sucks. And then you had to figure out your way on your own from 18. Now, there is a lot of time. it's been about two decades since then. Starting from a addition advantage position makes it a lot harder. I know for a fact, I understand that maybe you started school at that time

in order to get a place over your head because you found that to be a reasonable thing. I can connect those dots. Okay. That makes sense. What I start not liking, though, is if you have a little fine that you have to pay off your first traffic thing before it starts amounting to 25,000 hours, whatever, it would have been okay to take some time off school, pay for an apartment for a year, work, work for a year, you know, pay off that minor fine, pay off our living expenses, maybe even save up a little bit of money.

It wouldn't have been a luxurious job, so it would have been dropping fries, most likely. And, but that would have been fine. And gosh, I don't know. There becomes a certain point where I, I, totally understand the background. And that sucks and we can sympathize with it. Are we going to use that forever? Does that define the rest of your life forever immediately? Because that's, it's just like, where does this conversation go at that point, right? Yeah, I mean, I feel like I've been trying to make changes since then. Okay. Well, you're kind of from the sounds

of it. I don't know necessarily know about numbers wise financially, but life wise pretty much the worst on this show that I talked to, except for maybe some of those. Well, we had an addict to a substance and another substance. So besides that. You're not addicted to a substance, are you? No. Okay. But hey, at least.

So we'll put you at number three. Okay, but I don't live with my parents at least. No, you're probably relying on your girlfriend. No. I make more than she does buy a lot. Confusingly, illegally. Hey, she has... How are you making money?

I mean, like I said, I do a lot of reselling. street pharmacist part time, I guess. What are you selling? Just marijuana. Pharmacy wise. Just people still need to do that. It's not legal here yet. I know, but they grow, like,

in half the buildings in Austin. You can just go in and buy it. They're just like, I hope this doesn't accidentally catch on fire and you inhale it. There's like weird loopholes. Whatever, okay. How much you make from that? About a hundred. $180 per ounce.

Okay. How many ounces do you sell? How often? I don't know about one every two weeks. Like I'm not like a big dealer or something. Well, that's what I'm trying to see. We're trying to get your income. We have lots of Zels, cash apps, MetaPay, PayPal, Apple Cash, Venmo, N.

So, you know, who knows what's from what? Okay. And then your living situation. You live with her? I live by myself. Okay. What's your living conditions like? What's your living situation like?

My house is barely livable. What are you? Asmon Gold? What? I mean, it's cheap, so I stay there. No, what's barely livable? I mean, I want a little more information here. Whenever we had the big freeze, like whenever.

Three years ago. No, the first one. I think it was a little bit longer. Like 2019. Oh, was that four years ago already? I think so. Okay, four years ago. But yeah, a bunch of the pipes broke.

What are you on this? No, I'm a renter. Oh, okay. So the landlord will take care of the pipes. No, he won't. I've been trying to get it done for since then. Talk to a pro bono and suicide. He's a real estate lawyer, so seemingly he knows all the loopholes already. He probably knows what he can kind of escape by with and know that it would be an expensive and long process. I just wonder if anyone would represent.

And they have it like a month to monthly thing. They don't do like. You've been doing month a month for over four years there? So I did move for like nine months. in 20, 22. Does it keep you warm? I don't know. I'd hardly sleep there.

What do you sleep? I'm so, what the fuck are you? I spend all my time at my girlfriend's house. Cool, so let's cut the lease then, right? I can't. I have more. It's a month to month. You can.

Her lease is about to end. She can't afford it. One of the biggest questions I get asked is where can I find expert advice about your money that's customized to you? How can I retire early? How can I get my money? make more money. Should I be buying or renting in today's crazy market? So let me tell you about the company that I'm using myself. That is an absolute game changer. Domain money is helping me get the

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money is helping me get my long-term financial game in check, and I can't recommend it enough. If you're serious about ditching your bad money habits, check out domainmoney.com slash Caleb or click the link in the description to book your free session. You and I both deserve an actual expert to guide you. So get started at domainmoney.com slash Caleb or click the link below to get started today and take control of your financial future. Okay, why don't you guys live together and split the rent? I've been trying to convince her to do that.

And she doesn't want to be near you? No, she's afraid of change. Okay, well, something's good to change, right? Because she can't afford her place. Man, I keep telling her that, but that's her. That's not me. What are you guys? Do you have animals at your house?

She has three cats. I have three cats. I have two dogs. I'm sure the place smells wonderful. Okay. As an animal lover, honestly, I would have that same. I would have like two dogs, two cats, and two cows if I could. Okay.

So what's barely livable about your place? Like I said, so there's basically no running water. It works, but I have to turn it off to not flood the house or under the house. Oh, the water, like supply? Yeah, like all the pipes are broken, like in both restrooms. There has to be something. There has to be someone you can talk to that. I haven't had AC working since 2019.

They did send somebody out to look at it, but he was like, I'm too fat to crawl under there. and it needs too much work. I feel that. And then he never came back. Okay, well, I don't think it's a legal requirement to require you see. Yeah, I would assume. It gets over a hundred degrees in the house. Okay, what else?

I mean, those are really the big things. Like the house. Do you shower? Yes, like I said, I'm at her house like every day because she has. So why don't we cancel? Because she's not, okay. I have too many animals and too much stuff.

When's at least done then? In two weeks. What's happening? It's been in two weeks. Her lease ends. No, I know. What's happening? I don't know.

She doesn't know. You guys, are you guys adult children? I'm so confused. I've tried to talk her into moving with me. Well, she dropped off in Waco and were you both dropped off at a cult? Like, I don't know what she's doing. She's been, she's spent 14 years at Walmart and still makes less than $20 an hour. Okay.

And there's nothing wrong with that, but you're, you're talking about it like it's a bad thing. Are you guys? So if that's the case then, well, if that's the career track that you don't want to be with, why are you guys together? We're trying to help each other be better. Is this more of a dependency thing than an actual enjoyment of each other? I don't think so. We're both pretty independent. Do you guys enjoy each other?

Most of the time. Okay. All right. Oh my gosh. So much here. Okay. It's going to be an interesting one. All right.

Where do you think you are your finance score? Zero being the worst, 10 being the best. 1.5. Okay, if you want your hammer financial score, it's free. Link in the description below. If you want to apply to be on the show as well, go to Calebhammer.com slash apply. If you live in an unlivable place,

feel free to come tell me about it. All right, all right. Capital One Savior. Savior for Sawyer. Balance isn't huge. do you pay taxes? Yes. I file my tax return every year.

Correctly. I hope so. Okay. Also, isn't it saver, not save your? There's no I. Oh, you're right. Well, you certainly aren't saving anything. $334.46.

$25 minimum fee payment. Okay. You made more than the minimum, but it didn't matter because you immediately put even more than what you paid towards it on it through purchases. And then there is interest, $6.61. I mean, the credit limits only $500, so it's not like you can't even like go that high. Thank goodness. I don't think you should be able to.

Out of the gauge is based on the chaos of your money coming in, not knowing how much money comes in, your living situation. Just every part of this conversation so far would suggest to me that you really shouldn't have access to a credit card. You don't seem like someone who can manage a credit card. And that's not necessarily a bad thing. Like, who cares? You don't need to.

I don't care if you get cash back or don't. But this doesn't seem like something that's benefiting. You're helping you in any way. When I was working full-time, I had all- When was that? Last, a year ago was when I was- And he blamed it on his license, which has been gone forever. So what were you doing?

I was working for a pharmaceutical company. Okay, why aren't you doing it? They refused to give me a promotion and I didn't want to stay with a company that wasn't going to let me. How much were you making? $17 an hour? I agree relatively to do that and fight for yourself, absolutely. But have something lined up that you're able to go to in order to use that as leverage. I was making more door dashing than I was from my weekly paycheck.

Yeah. Illegally! What's that little smirk? That's that little, a little smile. Like, you, what? It's not illegal to DoorDash. To drive without a license. Are you fucking stupid all of a sudden?

I mean. Listen, I know you ended up completing high school. You know that driving without a license is a no, no. Yes, but I'm making legal money. Not really. So you're breaking the law to do it. I don't know if that equates the legal money. Also, you're selling drugs.

Oh, that's not true. Oh, so is it now? Legally? We're talking legal, right? Okay, fair enough. So why are you putting money on a card in the end, regardless of all that, that you aren't paying off and that's accruing interest? It's usually because I don't have the cash.

You eating right now? Not right now. Okay. Yeah, so my money is very sporadic, you probably saw. So a lot of times I put stuff on a card and pay it off when I actually get money in. You're not painting off of this interest occurring. What the fuck are you talking about?

You're not paying off a card. You don't know what a pain off a card even looks like. I paid off all my cards like less than a year ago. I don't give a fuck about a year ago. I care about it right now. Why do I care about a year ago? But you can't say I don't know how to pay off a card. I was skinny 10 years ago.

Who gives a f*** fat now? I don't think of that fat. Okay. Well, medically. Okay. Same. Yeah. I don't care.

What are your guy? What? Is that how you're going to base everything off of? No, but my income is sporadic. So like I pay it when I have the money. Yeah, maybe we need a stable income. Go get your job back. They won't hire me.

Well, no. I wouldn't be surprised. Huh. I asked if you guys were hiring. Okay. Who'd you ask? You didn't ask me. No, this is my first time seeing you.

Okay. Would you ask? I asked the nice lady in the front. Lindsay? Yeah. In the front? Yeah. Okay.

And what'd she say? She said you guys had at least one opening last she saw. Lindsay, you're very pleasant. You're not getting into the job. No offense. Oh, for a friend of yours. Or for me. I need a job.

Okay. Yeah, I don't think you're able to commute here reliably. Yes, I am. No, you're not. Oh, my. Okay. It's a producer job. I don't think it makes sense.

I have an IT background. I already do... IT, that's great. That's what... And I do production for... Like a creative producer, someone that helps... Okay. I'll look into it.

You'll look into it. And if I feel qualified, you'll get an application. Buddy, the job's been up for a couple weeks. We're probably closing it out soon. We have a few candidates. Okay, whatever. You went inside the grocery store, got some bullshit, got some little seizures, Uber.

Yeah, you should probably only be doing that And Dbrand, D brand D brand the fucking skin D brand? Yes, because I break my phone All the time Get a protection case It doesn't have to be a D brand one Dbrand's expensive

I didn't pay for Well love MKBHD doesn't mean you need to spend more money I didn't pay for my last D brand order What, you steal it off of someone? No, they shipped it and then they refunded it What? Because did you close? claim it wasn't there? No.

They claimed it. Never got, they claimed it. Okay. So you got lucky. Either way, I don't, again, I don't care if you got a free one. You still spent money on one. And why are you replacing something that obviously didn't work? It got ran over on the highway. Why? The police left it on top of the car when I got arrested last time. Last time. How many times have you been arrested? Once in the last five years, I want to say. But prior to that, it was like, probably every like three or four weeks. Wait, wait.

Haven't you called into Dave Ramsey? I think my producers told me that before. Twice. And did you get on? Yes. What the f*** did you ask them? I was trying to figure out how to fix my car situation. What did he say?

Deloney said, sell the car and hung up on me. Oh, Doloney's not a finance guy. Yeah. And Dave said, I don't know how to help you. I'm going to refer you to this church in Austin. and they emailed me one time and never heard back from them. Are these clips live? I have no idea.

I haven't looked. You haven't looked? They didn't give me anything useful. There is nothing to look at. You didn't want to listen back to the call, though? Like, I wanted to listen. Because who knows? If I find it, I'll send it to you.

Okay. So he referred you to a church? Yep. Okay. Dillonie said, sell the car. Yep. Sell the car is the obvious answer, but you'd have to have the negative equity to do that.

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How many people have you murdered? What are we going to find at the end of this thing? Look, I have statistically avoided felonies my entire life, so I think I'm doing all right. statistically you mean by the amount of illegal things you've done you have been convicted the least amount of times that you should have no most people from my background have some kind of real criminal okay i just have i see what you're saying i get that i think so i'm curious about that you know again i want to be very clear especially to the audience because they're you know they're not here having this conversation it's a little different online than it is just in person very much sympathize with the background of where you came from A couple times now, of course, we've brought it up in terms of different things. And it's okay to be proud of the not being a felon, I guess. But it almost feels like you're not, I don't want it to be a weight that is this holding on to you.

I don't want you to be 80. You make a mistake and you say, well, I was a foster kid. Like, there's a certain point, right, where it's like, are we victim forever? Or do we try to pick ourselves up and go out there? Doesn't make it harder absolutely, especially at 18. Of course, we're almost two decades ago later now. Doesn't mean that that doesn't make it harder still. You have less people to rely.

I can lean on my parents if I absolutely have to. You do not have that luxury. So there are harder things. But are we forever victimizing ourselves or are we trying to make the absolute best? That's why I'm here. I'm trying to find solutions. I know, I know, I know. Well, you called into Dave twice.

I don't know. Dave was pretty useless. I don't have the call. I don't know. QVC. Well, I mean, no offense. But if I connect you with resources or anything like that and you don't change a situation around, that's not going to be my fault. I mean, I'm not going to blame you.

I wasn't blaming Dave. So it was useless. But connecting me with one church. Well, I don't know. Again, I haven't heard the call. Yeah. QVC. QVC.

Yes. What? That got refunded. Good. My girlfriend wanted a Fitbit and didn't want to pay for the one that she got because it kept breaking. So I found her one for cheap. How'd you find her? We went to high school together.

What, the last six months of it? Yeah. And I lived with her after I left college the first time when I was bouncing between couches. No, it was before college. And did she bounce on you? Eventually. Like very recently. Glad to hear that.

Yep. And then you went inside a gas station, you guys and bull? Which gas station? Wait, wait. Do you have conversations with your girlfriend? Sometimes. I'm being told you're nonverbal with her,

as in he doesn't speak to her. That doesn't mean I don't have conversations. I guess I'm confused on what the word verbal means. Usually that means. conversations. How were we talking to someone and being nonverbal? Am I being nonverbal to you? No, but I had a conversation with your team before I got here via text message. Okay. Okay. Okay. Okay. So, okay, okay. So you guys do not talk with tongue. Correct. But we sit next to each other and we click, click, click, click, click. Yeah. And show? Yeah. Is she not a talker?

No, I'm not a talker. You're talking to me? Yes, I don't know you. Oh, okay. So once you know someone, you can. talk to them. If I met you not talking, then I can't talk to you. Really? Yeah. And you met her not talking? Yes. So you cannot say a word. Nope. All right. Um, probably need to see a psychologist, but that's expensive. Therapist. I'm sure there's community resources. I don't know. I'm sure you affordable for, uh, you qualify for the health care exchange plans. It's for people that basically don't make any money. You basically don't make any money. Um, I mean, my tax returns as I make money. Yeah.

I mean, we could probably get you to see someone like once a month, man. At least that would probably be good for me. You sit next. I'm just picturing. No, no, no, no, no jokes. Bad. No jokes. I like jokes.

But my life's a joke. My mind's going to inappropriate places with this text. Do you text a speech? Only in my car. How do you text her that you're going to? I mean. Yeah. But yeah, I haven't, like, I was like mute from like second grade until like I turn probably till I graduated high school.

When you're getting there, do you text OMW and an auto corrects the on my way, exclamation point? I mean, that's any time I text OMW, but I hate OMW. Sorry, I'm not making fun of your situation. I'm just trying to. I'm a goofy little boy sometimes. I just need a lot of anxiety medication. Well, hold on. We don't know for sure. We don't know for sure. We're pretty sure. We're pretty sure. I mean, maybe you do, but talk to someone first.

They said it's an anxiety disorder when I saw them as a child. Sure, there's different kinds. I have a panic disorder. Mine's not treated by medication. Mine would need to be treated by essentially just coming over phobia of things. Oh, hey, that's part of why I'm here. Was this a big step? Yeah, because like... Well, good job, man. Legitimately. that I know, like, I don't talk to them. So, like, them seeing me talk on video, maybe. Oh, interesting.

I haven't even thought of that. Yeah, that's the only part that made me anxious about being here. What's like your friend situation in life? Friends. What do you mean? Yeah, what are you, like, friend groups and friends. They all suck. There are a bunch of people that I've, like, I've financially audited them and, like, got them from, like, a 400 to a 700 credit school.

Who the fuck are you? You got their life together. But I don't know how to do it from. myself. Okay. First Gen Ultra Watch? No. Well, first of all, why, yeah, why do you have that?

You don't need that. That's stupid. He has the stupid, expensive watch. Got a really good deal on it. I just have the stainless steel. Yeah, yeah. I'm mad because this one's not black. They just came out with the black one.

But I don't want to pay retail. Yeah, you don't have money. You only have debt. Okay. And speaking of that debt, let's continue. Monthly auto statement. Was this the one that got repoed? Yes.

Okay. So what's the balance you owe now? Um, last, I would have to double check by I think it's like 23,000. No, after repo? They had a like an $800 fee for picking it up and then like a $500 fee for paying the shop. Hold on, have they gotten rid of it? Have they liquidated the asset yet? No, they said they will on the 20th.

Okay. And I want to know. But it's, though. The car is. Yes. Like it's worth 11,000 running and driving And it needs $7,000 in repairs So this might get a few thousand might get knocked off this

Maybe So we're gonna say for now I mean it's reported at $22,602 And 68 cents But the thing that yeah Yeah, you know late fees and past due Pass due is $1,403 Yeah

I stopped paying it while it was sitting in the shop Because I knew they weren't going to fix it Well you're not entitled to them fixing it necessarily If the warranty, listen, there may have been fine print. Right? Like, okay, but. But they're not really the ones getting hurt. Yeah, I agree.

They can absorb it easily. You're the one getting, now all of a sudden, you don't even have the ability to fix this if you wanted to. I mean, you're good at cars. You could have fixed it. I couldn't get the transmission for less than $5,000. Right. Okay, so $5,000.

Which, you know, it's better than $10,000 car, but how much are we pumping into an $11,000 car? Who knows? But either way, you know, you're taking away the choice. from you and then this your credit. Yes. So there's that.

I'm planning to pay it off. It just like it didn't make sense to keep paying. No. No. Because that's so stupid. You may as well at least have it if you're going to pay it off. It's a lawn ornament. I couldn't do anything with it.

Yeah, but with $5,000 you could have. I'm not saying that was the smart move anyway, but you've taken away all options for yourself. Now it's just gone and you owe on it and that's it. Yes, but now I have an extra $1,100. per month. Was it how much it cost was $1,100 a month? My payment was $707.

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Could have an older car. They didn't have anything. Like all the lots for a lot. Come to Austin. There's lots everywhere. How was I going to get to Austin? Uber. boss

Uber what are you talking about How are you going to get to Austin? Yeah, it's an hour away But you could get here I didn't have any money I walked The reason I went to a dealer We could have got you

25 bucks to get on a Greyhound I didn't know you guys back then No no no No you could have got $25 to get on a Greyhound I was about to lose my house I didn't have anything No I know but that's easier

Than making a housing payment Do you just give up Like listen listen listen Nothing. Things are so much harder, but you, you kind of sound like that person on Twitter where it's just like, it says, I see it endlessly of just people saying, it's impossible. It's impossible. They're just done. They're done. And then I guarantee if we look at their statements, I mean, we already saw it so much bullshit spending on that credit card. So just for, like, I guarantee if I went through their statements, I would see them from around. We can get creative. We can find solutions. You just give up and $25 make or break your life. So it's just like at that point, what is the point of this? If you're able to just, if you just give up like that. things are hard. Everything that we can talk about in only like an hour and a half or so is always going to be easier said than done. But done is possible still.

Yeah, but can we go to like how I got to this car? How did you get to this car? So I was, that's when I moved away from this cheap house and I was living about 40 minutes away. You're back in the cheap house now? I never got rid of the cheap house. My ex-roommate was paying for it while I was gone. Okay.

You have a roommate at this place? No, he's in jail. no and I don't think he's getting out what did he do uh injury to a child is his charge but he he was on probation and somehow that off after injury to a child yep I don't know the details but he's he's gone for a while okay sorry go on so I was living like 40 minutes away in temple um and I was commuting to waco for work and my car blew up on the highway why I don't know. You've checked your oils, you had your coolants and all the bullshit.

My ex-girlfriend, I bought that car from her. She didn't believe in changing the oil every three thousand miles. You know how to. Yes, but it had no maintenance prior to my ownership. How long did you own it before it blew up? Like a year and a half. And were you checking on it? Yes.

Oh, okay. But it was already worn out when I got it. But that blew up on the highway. And you weren't able to. See that it was worn out? I mean, it was running fine, but, you know. I thought you were good at this stuff. I mean, yeah, but I'm not going to take an engine apart in my driveway if I don't have to.

Listen, when you have the ability and it prevents you from getting a situation of a car faking itself, I mean, I didn't expect it to. Well, no, you didn't look at the engine. But, yeah, so I went a month without a car after I towed that one to my job to make sure I showed up for my shift. and I was like, I don't have a reliable way to make money. So I went to the dealership and took what I could find. One dealership. No, I started out at a dealership in Austin.

They were going to sell me a used car for the same price as that new one. It was a hard time. That was a very hard time in the car market. How long did we spend looking? Probably weak. There's the answer. And I know it's hard to be without one, especially in a on in a my job was 40 miles away exactly so um so i get i get the urgency but yes if we

are in like the worst car availability time and like since cars were invented in the united states and you force yourself to do it within a week that that is what's going to happen i was really hoping i would you wait you had a job you said you had no money you could have if you had a job i know you could have least gotten an uber or bus your way through a billion transfers They don't have buses that run from... I can't speak for up there, but I know you could have Uber. Yeah, here. It's a lot easier.

Yeah, I can't speak for that, but you could have Uber. If you were making money from the job, you could have Uber to the job. You would have had a cut back somewhere else. But again, not everything is impossible like you're suggesting. Yeah, but that was gig work, so it was only like two weeks. Good. Walmart card, $827.45. $33 minimum.

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You're done. You're done with life, aren't you? No, I was done with that car. Without the car, I can pay all this off easy. I don't know. It's okay to be a little defeated, but you just seem like you're done. I mean, the car did make me deal to be able to be. Not just the car.

I'm talking about everything. But the car was the issue. Okay. Made a big payment, but then again, on a car that's accruing $24.90. cents and interest. You went and purchased $583. So I really don't get the point. And guess what? We don't have any money. That's why we can't get anywhere. We can't do anything. It's okay. Guys. We're going to Sonic Drive through. We're going to have an Xbox. Xbox GamePass bullshit. Yeah. And Apple. And that purchases or some subscription. Waterburger, Waterburger, Samsung, Tropical

smoothie, more Xbox. $64. What you get? I couldn't tell you. I have no idea. You couldn't tell me what you got for $64 from Xbox. When was it? September, October. In between September, October. Maybe some DLC. I honestly don't know. $64.D.C. What is happening?

I have not played video games. Store space? Storage? Yeah, my storage unit. Why? You have a house? I don't have enough space for the stuff. Plus, I'm trying to make room for my girlfriend's stuff. Your stuff? She's going to move in with you?

I'm trying. Into the unlivable place? No, we're trying to get one of the other units. You want to rent from this guy? No, but it's cheap and it would help us both save a bunch of money. I think it's cheap for a reason. Yeah. And it's month at the month so we don't have any like...

I get it. It's just like whether or not I can have running water, that's usually not a compromise. But all the ones that they've like fixed have it for now. So I feel like we could stick it out for a year, save some. money then get into somewhere that doesn't suck. And then another subscription. What are all these in-app or subscription bullshit that you got going on? It's insurance on my phone mostly.

Well, you have two. I have two phones. Good. Why? You're such a beast. Why do you have two phones? Excellent question. I don't have a good answer for that.

What do you use the other one for? To keep up with the technology. What are the phones you have? What are the phones you have? S24 Ultra and iPhone. Or is it for the selling on the street? No, I'd have different phone numbers for that. Of course. But same phones.

Okay. I don't sell one. Cancel the service. You can't afford it. I was planning to sell one today, actually. Good. And then switch to healing for your other one at $15 a month. Can't. Why?

You all on it? No, I have a business plan. and I have a bunch of people on it. Cancel and I don't care. You're trying to survive. You don't have running water. I don't care. But I'm getting a really good deal on my thing.

What's your portion after? Like 20 bucks a month. Okay. Well, I guess we could say five bucks, but it's not the biggest make or break. But it says other people don't pay. Yeah, but I got rid of the people that don't pay. I know, but other people can all of a sudden not pay.

You're right. You're not a credit card person. You don't know how to use your last credit card. I want you to be able to build your credit score. So you can still use a card like the FISC card that's like a debit card that reports to the Credit Bureau still and still benefits you and you can get benefits and it helps your credit. So use something like the Fis card. You cannot use a Capital One Walmart card. You can't.

Plus you're just spending it on bullshit anyway. None of this is helping you. There's a spectrum payment other than that. You're in Bannfield pet. Oh, shit. Do you have pet insurance on all your a million pets? It's not insurance. It's just like the...

Do you have pet insurance? This is my question. No. Okay, so what happens when a pet gets sick? I had it when I had my job. Huh? I had it through my employer. Well, you don't know.

So do you have pet insurance? No. Okay, so what happens? I don't have any money. Then you shouldn't have them. They're like all I have, though. It's not fair to them. You're not a reliable caretaker.

Can't afford. Guess what? My dog, a little pair, that's her name, pair. She's a great pernese. Apparently, the vet I was talking to, she also has one. They love to just put things in their mouth and just decide that they no longer want to be alive because they would rather swallow them. Chuck it. The chuck-it ball for all your dog owners out there.

She swallowed a little piece of a chew-up one this big, this big. No idea. Didn't see it happen. Who knows? Guy could have turned away for like two seconds because I throw away every broken toy I see, whatever. It's in her intestine. They had to go in twice into surgery for me to keep her alive. It costs $32,000 over the course of multiple weeks for me to keep her alive and give her the chance of being able to live a long life. And luckily, she's doing well now. And hopefully she, you know, lives for like another decade or so. That's great. Pet insurance saved my app.

Tens of thousands of dollars. You wouldn't be able to keep a pet alive. Because you can't afford something like a $20 or a month pet insurance. And that is not fair to them. You can't afford their better food. The food that is good for them. They get good food. Their food is like $100 something dollars a month.

Per? Per animal, yeah. Okay. We can probably afford pet insurance then. Yeah, probably. I have the ban feel. Tell me now. Doesn't that cover most of it?

Emergency surgery, no. If there's like an emergency, because that's the, if there was an emergency, that's what gets so expensive. The routine pet visits is. they're really not the worst. If you have to take them in because they ate something you found it in the moment, they do the little thing that makes them throw up, that's not the worst either. But if you have to go in for like an emergency surgery,

yes, that would fuck you. Yeah, absolutely. Also, $500 a month for pet food is what you're quoting me. $500 a month. Something like that. I mean, what are we doing here? Like, that just doesn't make sense for you.

They eat better than I do. You look like you've been eating pretty good. I got all the stacks from your lobby. Okay. Con appliances. What are we appliances? What appliance do you have? Oh, it doesn't matter. It's in elections. No, that's from my roommate. They went to jail. What do you? Okay. Why, why do I have it in front of me? I don't give it. Because he didn't have any credit. So I'm going to kill you right now. That is so bad. Never do that again. Yeah, I learned that lesson. I have people that owe me tens of thousands of dollars.

Well, blah, for, for what? For money you lend them or for credit you took it on their behalf? rent credit. I took out on their behalf, all kinds of stuff. What was this? Washer, dryer, refrigerator. Well, he was living there and I was living in the other city. Because I took my refrigerator and my washer and dryer. You own the refrigerator in your rental?

He sold it for like $200. It was like a $2,000 refrigerator. Did the landlord own? No. The refrigerator that the landlord owns, like the door is falling off of it. I can't use it. Oh my gosh. Dude, see if you can talk to someone pro bono, man.

I don't know how to find anybody. Like I've- Google, I don't know, post and Reddit. I've talked to the Baylor Laws group. Post on next door, post in Reddit. Dude, just, you know, go to a B. Mone place and other people that B. Mone know who to Mone too.

Isn't this one of those? Huh? Isn't this a Bion Mone place? I don't know about that, because I don't have that. I'm lucky enough where... No, but you know people. I don't know a pro bono lawyer in Waco who wants to fight a land.

landlord. I have a lawyer. I have many lawyers for different things. Do you have one for that? I don't. And I don't have one that will do pro bono as far as I know. Well, that's my issue too. Exactly. So go to the kitchen one place and ask if anyone knows. That's all I'm saying. Reddit, next door, Facebook, whatever it is. I'll do my best. Well, that's the thing. That's the thing with this conversation is if you never try to actually do something, it'll never happen. But I have tried a couple times. What have you tried? Like, we went to court. Okay. And everything, they just kind of brushed it off. What do you mean by that? That's, that's such a- Like, they didn't do anything. What happened? Tell me what happened. Like, the judge basically said, like, they're not, there's no violations. The fridge, I don't know about the pipe.

The pipe? Okay, well, let me see. Let me see if I can find anything on this, because I don't know. I'm a landlord. It's mostly in Michigan, but I keep my shit, but tip-top. Yeah, I feel like it's a requirement to like have all of that stuff. Like I can't even use the shower there because like there you can see the ground through the floor. Like I would fall through it. It's a hazard. Let's see.

Okay. So 2,948. For this, been a collection since 20, 23. They're going out of business. End of 2022. In Texas landlords are legally required to repair conditions in a rental property that materially affect the health and the safety of tenants secludes broken water pipes as these can lead to issues like flooding lack of water

supplier potential health hazards however to ensure the landlord's responsibility the tenant must notify the landlord in writing about the issue have you done that more than once okay the landlord then has a reasonable time typically seven days to adjust the repair unless it's an urgent situation requiring faster action the landlord fails to make necessary repairs after proper notice tenants have options such as terminating the lease repairing the issue and deducting the cost from the rent Oh, that could be interesting. So I did like, or suing the landlord in court. I did do some patchwork on the pipe so that I can at least like do my laundry and deduct it from the rent.

I tried that and they won't do it. Stop paying because then he's going to have to go to a court and get eviction notices. But that court, you'll be able to plead your case. And you might be in the right legal place. Again, I don't feel comfortable saying do that because, you know, like legal. Like, whatever. I'm not the lawyer. But if you can just at least get some little advice, because that actually might be the claim. It's important that tenants ensure the rent is current when requesting repairs.

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For Mr. Wrenton. Okay. And this is from the Office of the Attorney General of Texas, all that information. You know, Ken Paxton, I think. So I think that probably has some standing. Agreed. I just need to figure out how to, like, go about it. well again if you don't do it it'll never happen credit one is usually a good sign

basically the worst credit card you can get yeah i hate them great why do you have it close it i don't what close it close it just call closed wouldn't that hurt my credit more what's your credit zero what's your credit i don't know after the repo i haven't looked at it do you have credit karma on your phone one of your two phones yes open it i thought you get you guys had my credit karma that i what Who am I? Who am I? I'm a guy with paper. You're supposed to know. Hold on. Look. They want you to look. Look, you little look. Okay. I'm looking. And also there's, uh, they sent me a link pro bono-texas.org

slash organizations slash mission dash Waco dash legal dash services. I'm not going to remember that. Of course not. We're going to send you that link, but it's a link where you can get connected. So do it. Please. But again, this requires him actually doing it and whether or not he will. I don't know. Can't even finish a protein bar sitting on his lap. I'm trying to. I don't want to eat into the microphone. This is my lunch today.

Open it at Credit Karma. Well, he does. The credit one, we're sitting at $53. Okay. Because he made a minimum of payment. The minimum of payment is $30. But fees, of course, and interest. Lots of fees this year so far and lots of interest sitting at 30%.

Great, great, great, great, great. Do you want to look at this or do you just want me to tell you? tell me. TransUnion is 569. Equifax is 582. Better than I would think it is, but also I don't really give a shrew credit. You don't have a license, so it's already hard to apply for things in general. Of course,

I mean, you're already working with the same landlord that you're going to rent from anyway. So if your credit goes down a little, I don't really care. Close this account, you're just getting fees at the butt, man. This is fees, fees, fees, fees, fees. We can work on a credit eventually, and I already talked about the FISCard. You can do that and start working with credit.

The thing is, Okay, I want you to go through our new debt class. Go through our debt class. Are you willing to take a class if we give it to you for free? Absolutely. Go through it. It's a few hours long. Go through the quizzes.

It talks, well, I'm going to give you ways to get out of this by the end of this, but in detail with you going through the equations and everything, the best ways for you to pay off your debt. But the second half is also the best way is to utilize debt, like someone who's good with that. We help you learn what debts are good and the best ways to utilize them. And that are things that are things that. can positively affect your credit and that's when I will allow you to use credit cards again.

So go through the debt class. Go through the budgeting class and the investing class as well. Of course, but go through the debt class. Please, it's free for you. It's 35% off for you right now, but it's free for you. I'll start as soon as I leave. Please do. Another thing in collections, what is this?

Tools? So I worked at a shop for a little while. Oh, here we go. Every damn time. No, I was going into my career field. Yes, I know. And the little truck showed up, right? Yep.

The special little truck. Yep. He always shows up. Ice cream man for men. Oh, yeah. They offered me a $10,000 line of credit. Oh, yeah. I did not take it.

Good. But 5,725 is still load. That just went into collections. That went into collections a while ago. 2019. Yeah. Okay. But I went to a better job and I couldn't take my toolbox with me.

Why? I didn't have a way to. I didn't have a car. Was it a tool box or was it like a fucking tool? Yeah, like a fucking tool. Okay. Yeah. Okay.

I think we could have rented a $35 fucking truck from Home Depot. With what driver's license? You're right about that. I think your girlfriend, friend. You could have nonverbally texted them. I wasn't dating her at the time. Okay, you still had someone, a friend, right? Probably.

They're not very. That you could text. Again, if we don't put any action into anything, nothing works. I can come up with solutions. They're always easier said than none, but they're actually things to try. You didn't do them, so it doesn't matter. It's in collections. Whatever.

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More credit. Oh, buddy, buddy, buddy, buddy. gosh, we should have allowed you to be in fat stacks weeks. This is a lot of paper. It's probably not even all of it. Great. $162.33. With a $30 minimum fee payment.

No purchases, thank you. You made a decent payment to it and no interest accrued. It's a 29%, but that's not where the balance is. Your balance is being deferred interest. $160 is currently being deferred. If you don't pay it off, by last month. I'm pretty sure I paid all of that off.

Payable credit, is it gone? I'm pretty sure. I'd have to double-chat. Okay, I'm going to cross it off. I'm going to cross it off, man. Okay, another thing I can gift you. Luckily, I'm able to gift a lot of things, thanks to great partners,

but go through course careers, a little assessment on their website. Go through it, and it connects you with the certification that, you know, they think is best for you based on the career you want to do. Different certifications to different things. It can be in trades. It can be in accounting.

Do that. We can get that on a resume, help you find a job. We'll gift you going through the thing for free. Cool. I'll probably do accounting because I just signed up for school again. But I'm not doing student loans. How? What are you doing?

I have a tuition waiver from being a foster kid that I didn't know about when I first got into school. That sucks. Well, that's great that you have it. Yeah. I wish I would have known that $40,000 ago. Of course. So there's $40,000. And student loans, yeah.

Okay, regular PayPal $13. Do you, is there even a balance on here anymore? Probably not. Usually if it's less than $100 bucks, I pay it off in one payment. $100. A lot of these are above that.

Okay. PayPal 360 training, and then Fan Home? 360 training was my TABC. I needed it for, okay, what about Fan Home? That one got refunded. I signed up for some thing that was supposed to be free

and they never sent it. They refunded it. Stop sending up for things. You can't send up for things. State Department Federal Credit Union. That's my savings account and stuff. Well, yeah. And credit card.

Yes. I don't know what you're talking about savings account. It has wonderful. The lowest interest out of all of them, I think. I don't give a fuck. It has an $839 balance. I highly doubt that the interest rates competing with the market in any way whatsoever. No, but it's better than all the other ones.

Yeah, if I only take one hit today instead of two, it's better. Probably. What are all these central parking enforcement? I got that one taken off. That was here. Lots of O'Reilly's. Yeah, it's a 17.24% interest. Oh, my f***ing.

Kill me now. Yeah, interests have gone up. It's variable, buddy. It was at like 12.99 or something. It doesn't matter. Even at 12.99. If I open my brokerage app, Moomoo, okay, great. the S&P 500.

Best I'm hoping for all up years, down years combined, best I'm hoping for is like 10 to 12. So when it was at 12 point, whatever, you're still getting... Interest charge, yeah, yeah, yeah. Minimum monthly payment, what was it? 35 bucks, I think.

Let's see if you know your numbers. Is it on there? 25. Oh, I never make minimum payments. Licensed suspension, there it is. $11,354. I've gotten probably 1,200 of that dismissed in the last couple weeks.

Okay, so it was about 9,000? Yep, give or take. Okay. So I'm working on it. I had a law office working on it, but they went out of business and just left me on my own. Okay, well, they went out of business. It happens.

Yeah, but I'm sorry that sucks, but I don't think a business that is no longer in business is going to serve their customers. Yeah, it just sucks because, like, you know, I got a few. figure it out on my own or pay the link we're going to give you but that costs money i said the link we're going to give you the pro bono link oh okay what the f*** you talking about look i just want my license yeah talk to them man just five a conversation if you don't do anything nothing's

gonna happen 555 dollars and 51 cents we put our 25 dollar minimum fee payment what we put our vacation on that my girlfriend vacation You're living in a house that's collapsing, and we're talking about vacation. You can't pay for it to get a license. We're talking about vacation. That was her idea. San Antonio? No.

That was her idea. I don't give a fuck to say no. Be a human. That can stand up for themselves and advocate for themselves. I said that for our anniversary. Huh? I said no for our anniversary. Good.

Say no for San Antonio next time. Has a river. Woo! Has a building you can look at that was conquered once. Yay! How much was it? I don't know. Isn't the statement there?

I don't see the spending. It was after that, buds. Oh, I want to say it was probably like $7 or $800 total. But like I said, she's paying most of it. Almost like, well, how much does she put towards it? Like at least $350. A lot of it was through her job. I could have gone towards getting closer to a license,

i.e. getting your life back on track. I agree. I keep telling her. Oh, good. I'm glad you agree and didn't do anything about it. Okay, what is this? Checking $0. What am I seen? What is this? I don't know. Look at it then. Zellen out money every second of your life.

This is Zell, Zell, Zell. Zell. This is my city bank checking account. That's where all my DoorDash money goes. Okay, beginning, bound, zero, any bound zero. So this is Zell, Zell, Zell, Zell. So you're just transferring it in. Yeah. Oh, I send my stuff to my main bank. That's again how we don't know what is your money, what is not what is transferred back and forth, what is new money.

We don't know your money is to send this like throughout all your accounts. It's confusing. State Department, any balance, dollar, thank goodness, even though, of course, you owe to them $839 on a credit card. T-Mobile checking. You have a T-Mobile checking account? That's my main checking account. Team mobile? Yes.

You don't know that was a thing. I have T-Mobile. Four percent on your checking balances. Great. You have $199. in there. It's not. I think I got like 500 bucks in there right now. Okay. It's making $1.60

on a monthly basis. That's free money. It is free money. Store card. Went in, got some BS. Amazon store cards, demon. Oh, yeah, yeah, yeah, yeah. Klorna, what are we clarnedine? The stuff that I'm reselling. Oh, my good. What are we talking about?

Like, uh, did I just unbox another toy in the endless Russian doll toy? What? Like Stanley Cups, collectible things, limited edition stuff. What? What are you talking about?

What are you talking about? So like, you're going to need to explain this, buds. So like, I'll get like a limited edition Stanley Cup, like the Halloween one,

and then I'll resell it for make like $30, $40 on a cup. Why do I put it on a payment plan? I don't know. It's easier that way. Easier, how? It makes your minimum payments higher. What do you talk about?

No, it's zero percent interest. But it's make you, but your minimum monthly are still higher because you're making more minimum monthly. Oh, yeah. That makes sense. Plus, it's adding risk because you could not pay,

then you get hit with penalty or interest. Okay, a Halloween cup. What did a Halloween cup from Stanley cost? Like 50 bucks. Okay, and how are you reselling that? Why is someone buying it from you? Because you can't get them. They're sold out.

So some four-year-old white, blonde-haired-s suburbs needs are Halloween Stanley? I sold one right before I came here. Made 50 bucks on it. Okay. So Karen got her Stanley. Yeah. Proud of her. How often do we do this?

How many do you buy at a time? Like what? Limit two per customer. So usually I can't be making more than like a couple hundred bucks a year. A couple hundred bucks a month. They do a lot of drops. And profit. Yeah.

They do a lot of drops. It's not just. How are they coming to you? Where are you selling it at? Facebook Marketplace. Macari places like that I was using eBay

but the fees are too much I'm not if you can literally in a spreadsheet to me prove that you are genuinely making profits I am not against this

that's a bit scummy but I'm not against it I do take it reselling too huh I do take it reselling too that's scuming you take it reselling ticket reselling

ticket like concerts that's riskier and it's scummy I hate it great but it's also riskier. Yeah, but, you know.

Is that one as consistent profit-wise? I haven't made it. I haven't taken a loss yet. Okay. I'm not necessarily, I really think your time could be utilized in a better way. I bet you could be making more money

doing the time and mental energy you're spending on this. Two, it's scummy. But if you can prove it mathematically, I'm not going to fight you on it. What I will fight you on is just don't cairna it because it's making your minimum monthly payments even harder to manage.

And it's also adding more. risk because all of them you don't pay then boom you if you can afford to get it at the time get it there you go i will say that oh my what i return anything that i can't sell within the return period okay yeah yep scum scum scum i get it you do you slimy but it's legal money it's legal money you're doing lots of illegal money but that is legal money i think it's probably a waste of mental and i think you could be making more money somewhere else i don't know though i don't have your data. Also.

But either way, just don't clarn it. That's what I'm begging. Okay. And also no affirm, I assume. Yes. I have a problem after pay all that. Corey, I'm sure you do. Don't.

But Google payment. All of the food purchases is because I can't cook. Huh? What do you mean you can't cook? Like, I've started two fires with ramen and Rehame? The packets? Yeah, and reheating pizza.

Tell me how you started a fire with a fucking ramen. One time all the water evaporated and caught fire. Okay. Then stand there. Nobody ever taught me to cook. You don't have to talk at the water for it to not go away. Well, now I have like a fear of like cooking in the kitchen. You need to see a therapist like yesterday.

Listen, if you can't. If you're too afraid to boil water because of anxiety, then that's when we need to talk to a professional. I mean, I'm not afraid of boiling the water. I'm just afraid of burning the house down. Stand next to it and you avoid it. Look. Watch it. Ramen takes 10 minutes.

Max. I thought it was three. Maybe it's three. You can stand there for three minutes. But I was put the pizza was in the microwave when it caught fire. Was there metal in there? No. Tinfoil?

No. I think I put 30 minutes instead of three when I was reheating it or something. Then if four minutes passes by and you're like, oh, it's been longer than three minutes. Stop it. I have my ADHD is too bad for that. I don't. No, no, no. No, I'm not going to allow you to do that one.

ADHD, I will absolutely allow you to do for things. I think you can set a timer on your phone and make sure that you look at water and a microwave. I'm not going to let you use that to not set a timer. The microwave has its own timer. Listen, I'm talking about going forward to... You're smiling. This is a joke to you.

I wish I could cook. Oh, you, dude. Selling out money, T-Mobile Auto Pay. Zup. I've asked people to teach me to cook. Now, shut up. You're joking through it. Shut up.

T-Mobile. Another Stanley thing. Target, proof of pudding. You know what? I'd hang up on you too. I get it, Deloni. Dude doesn't give a fuck. It's all a joke to him.

It's a joke that he can't cook. Ha, ha, ha. I'm almost a 40-year-old who can't take care of myself. Ha-ha. It's hilarious, guys. Isn't it? It's so funny. Ha-ha.

Target, Target. Circle K. Walla, Fazzoli's. Goodwill. Sonic. Cash app, Amazon. I'm done. $4 and whatever that is.

$100 in an investing account. What? I think that's my Weeble account. I got like $2,000 in there. Cool. Take it out. Take it out and put it towards your license. That's the best investment you can make right now. If it amplifies your income dramatically

without getting extra tickets and pulled over, do that. I was going to connect you with a financial advisor from domain money as well. I was going to. But honestly, I think you would just treat it as a joke, so I don't even want to waste their time. I wouldn't treat it as a joke. No, no.

I'm done. We're going to go through the budget, but I... Come on, man. I can't cook food. It's so stupid. I can't... Set a timer. It's so funny, guys. This is my

horrible excuse, Frank. acting like an adult comedic. Minimum monthly payments, 800. Well, okay, but the car's kind of done. You're not paying on that, are you? Not right now. I'm focusing on like the stuff that's occurring interest. Okay, we're going to do 138 then.

What's your rent? 595. Utilities. Say 200? Internet. No longer car insurance, right? No longer gas, but I'm going to put it in 150 for Uber's. I spend a lot on gas.

That's how I got here. How much on gas? It's about 60 bucks per week. Well, I'm not going to advocate for you driving without a license, buddy. I mean, I put $240 and then Uber doing $150 bucks. T.P. Find anything else you need to survive, $100. Groceries, $300 because you're cooking like an adult. I don't give a

You're going to stand there And you're going to set a timer And we're not going to laugh about it Like it's a hilarious joke Pet food, seriously 500 You can still get good pet food for cheaper I'm not saying you have to get the Cream of the cop to be a good caretaker

I mean I don't have to buy pet food every month I buy big bags So How often then? I would say 150 bucks a month Huh? 50? 150 a month?

For everything. For five pets. Okay. I'll see if I can put $200 in for pet insurance. Let's see. Medical co-pays, what? I don't have insurance. Okay.

Get insurance, buddy. I don't have a job. Oh my. You don't need a job to have insurance. How have you existed in society? I'm so confused. You literally thought you needed a job to have health insurance. No, but my doctor says I'm healthy, so...

One. no we're not two this is so you can go you're not mentally healthy you can't look at water so I think I need you to see therapists and I think I need you to

get health insurance I'm gonna put a hundred fifty bucks in there maybe that's what it is after the exchanges I'm gonna say 150 bucks then I'm gonna do an extra 150 bucks for therapy we're gonna call it 300 for medical okay okay phone bill

you said 20 because you're canceling the other one in selling it right I mean, I can't cancel the plan But how much for phone 20 bucks is my part What about the other one Everybody else pays their stuff What about the other phone?

Your other phone Everybody else pays for everything I just got the $20 for my phone And you'll sell the other phone I'm trying to sell one today Apple offered me $500 There you go In Apple gift cards

Go to Daddy Tim Apple He'll give you all that money I mean we should be able to live off of $2,463 a month that's what you need while having health insurance getting therapy and taking care

of pet insurance and math and we think you brought in more enough for that we think you brought in enough for that do you pay for her car insurance no she doesn't even pay for her car insurance I'm serious I understand I've been trying to convince her

Stop. Stop. I haven't listened to the calls, but I understand why they just sent you out on your own. Listen, you're not doing basic adult responsibility stuff. The basics of life. The basics of life. Cooking ramen, you're not able to do the basics. And if you're not able to do the basics, I can't get you to the financial basic of getting under debt following a budget. I can't.

I can't. If you're not able to do literally. human survival basics, I can't get you to a position of getting out of debt. I kind of understand how you didn't get help because you're not able to do the basics of literally being a human being on this planet. I have a budget when I have a steady income, though.

Stop. Listen, man, if you bring in $3,000 a month after taxes, not including the collections, or their charged off car. Bring in an extra $3,000 a month or not an extra, bring in $3,000 hours a month after taxes.

Like all your debt except for the car and collections and the license is paid off in five and a half months, man. It's basic. You can do that. That's simple. What I actually need you to do is you need to look at the exchanges the moment you get home. You need to

declare your correct information. see if you can get health insurance. Need you to talk to a therapist. Maybe look at community resources to see if you can get something more affordable. Follow the link that we're going to give you for the pro bono resources to see if you can get your rent situation figured out

in the condition of the home and see if you can get maybe free rent for a while at a minimum. I need you to do those. If you follow a budget and bring in as much as you you should be fully debt-free except for that car payment in the collections, but including the license and the credit cards, you should be fully debt-free in almost no time.

But that's if you're actually responsible to do it on your own. Here's the thing, and this is what I've been sent in all conversation. You have the ability to do this. This is literally months away from you if you actually do it. Months away. But those little things like clicking the link, talking to the pro bono, going to the exchanges website,

requires you actually doing it. And you don't do any. anything. So this is relatively simple as far as, as far as things actually tend to go on the show, it just requires you actually doing it. And I'm not confident that you're going to do it. Stick around for the post show, guys. And I'm sure there's even more to dig into. We're going to have an extra 20 minutes of producers are going to come in. They know much more about him. So make sure to join that link in the description below.

But Hammer Financial Score, spending a budget, you technically didn't overspend, but we also don't know what was income. It was very convenient. visiting. You're spending money. You're smiling. You're laughing. Great. Hammer score. I'm done. Hammer financial score. I'm done. Let's go to the post show. Non-verbal things. Curious. Right? Yeah. Has she ever heard your voice? I think we've talked on the phone once or twice. Whoa. That's what. Does she talk to you? Yes. How do you guys go on dates? She talks and I text. Is she's cool? Don't talk about Miley like that.

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She's a thing. Great person. It's just she can't have a good person. We know she's a good person. Like, wonderful, wonderful human. But she's just so into me. And she always wants to hang. Oh.

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