Financial Audit - Clown Chooses Doordash Over Child Support | Financial Audit

Episode Date: February 23, 2024

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This is just real world. This is real world. This isn't trying to sprinkle little rainbows. This is just the real world. Maybe if you accepted the real world at any point in your life, you wouldn't be in the situation. And I do. But if I did, if I did as hard as you want me to, I wouldn't be here. A.A. A, just Devon here. I'm 29 years old. I'm in Austin, Texas right now. Can I say that? Can I say I'm in Austin, Texas? Okay. Okay. And this is financial audit. And this is fine. So what do you do for a living here in Austin, Texas? I'm a teacher.

teacher what do you teach yeah i teach them with autism and disabilities i'm a behavioral therapist basically wow very cool good well how much are you making in this position hopefully being reordered with that decent not enough all right yep that's yep how much um 1850 right now how many hours a week you're working 40 very cool now i know that you're also in the content creation space and you do twitch yeah i stream i do youtube a little bit and but mainly twitch mainly twitch mainly when you follow you have on twitch on Twitch, we just hit 4,000. Really? Yeah, we just,

are you part of the, whatever they call it over their fund? Uh, no, I'm not. I'm just, just by myself. Only team on part of it is neat,

dude, pretty much. That's the only team of mine. Um, yeah, that's pretty much it. Okay, how much do you bring in from Twitch also on a monthly basis?

Um, about a hundred bucks, 150-ish, yeah. How many hours a week are you putting into that? I would say, maybe, let's see,

I stream like four hours, Mondays, Wednesdays, Fridays. Each? Yeah, yeah, about four or five hours. I don't stream super long. Man. I'm not putting a lot of time into it. Oh, it sucks.

This Twitch kind of sucks, but it's just like 100 bucks. You think with 3,000 followers, I like to see a little bit more than 100 a month. Yeah, absolutely. What's your average concurrent viewers? Right now it's like 16. Yeah.

Oh, well, that would be why. Why is it so low? Just probably not putting out enough content. not streaming as... You stream three hours a week. Yeah, but not streaming as consistent as I should. There's a lot of... You skip days here and there?

Yeah, skip days here and there. Okay, well, you can't do that, unfortunately, on that platform. And YouTube on much do you make? Nothing. Nothing at all. Oh, how many subscribers do you have? 69. Sick.

Okay. All right, so about 3,189 from the day job on a monthly basis. Some weeks are going to be longer or some months are going to be longer. Some months are going to be shorter. That is what it is on average. And then plus 100 bucks from Twitch. Yeah. Yeah. So what does your life? What does your life look like? Financially, I know there was just a lot going on, but just give us a rundown. Ruins. Everything that's going on right now is since I moved here to Austin, I just, I feel like I've had a lot of bad luck.

Since I was younger, I've probably been, I've been living basically paycheck to paycheck since I got out here. I think even when I first arrived, I didn't have anything like saved up to really like pull myself in and right now it's just it's definitely piling up on me heavily. Well, and just weird things like paying for an auto loan but not having a thing you're paying on an auto loan for. Yeah, the car situation itself really is probably the biggest downfall that I've that I've faced since you're in here. How long have you've been here?

About six months and in the last three months Okay, well that's really recent Absolutely absolute chaos Wait, but you've only been here six months And you think you're going to be homeless next month Yeah, welcome to my situation Working to my life right now Why are you going to be homeless next month?

So, you've been here six months I think your situation would be Not necessarily stable, but just like that's That's a really quick get here And like everything goes Let's, I'll start with this So since I've gotten in, since I've been in Austin because six months, right, two accidents already.

Went ahead and run, and this last one, smashed the back of my car in. Didn't have, I didn't have insurance. You have to have insurance. It's the law. It's the law. I don't care. It's the law.

And then now you got... So, what, whoa, whoa, what? Okay, so during the accident, the end of the accident, the guy was at fault who was driving his own truck, like a company truck. And so I get out and I'm like, hey, like, you know you're at fault. He's like, yeah, I know I'm at fault. And I automatically told him, I was like,

like I don't have insurance. Just being honest. And I should have immediately have called the cops and I didn't because I was afraid, hey, I don't have insurance. I'm going to go to jail. And so immediately I was like, okay, let me just tell him the truth

and let him know what the situation is. And he was like, okay, cool, I have insurance. I'll find it under my insurance. And, you know, we'll get it settled. We'll get you situated and figure it out. My car again smashed into the back, but I was still able to drive it. So I just drove it back to my house.

Okay. just left it there. But it's smashed it in the back. The sale lights on work. When was this? This was in, I believe, October-ish, if I'm not mistaken. That was a long time ago. Yeah, no, I haven't had my car for quite some time.

And millions of Uber's. So he gives me his contact information, gives me his idea. I have pictures of his ID. Gives me his contact information, gives me his business contact information, and everything like that. So next day, I'm waiting for him to contact me. know what his insurance said, no response. So I'm like, okay, this is getting weird.

I don't know. Here we go. He contacts, he texts me. He texts me a little later on. He's like, hey, like, my insurance said that you're at fault. And that's it. They're just going to fix my stuff. Nothing else.

And I'm like, that doesn't make any sense. Like, if you show them, the pictures that we took, if you show them everything, like, you're obviously a fault. You even told me you're at fault. You didn't tell them you're at fault. Did you record it? I didn't record it. I just took the police?

I didn't call the police because I thought I would, I thought that I would end up going to jail. I have a bad experience with police. So I just, it was, it was a bad, a bad call on my end. I should, you should always call the police. Well, you should always have the insurance. And you should always, yes, you should always have insurance. My insurance was, again, just, it was too expensive at the time. And I didn't, I was irresponsible about it. It's just the law. Yes. Yes, it is a law. It is a law. But, um, and so he basically said that, oh, you know, I, aggressive thing I saw in your statements. So I ended up having to get insurance again or else my call was going to be repossessed. So yeah. Is that your monthly payment that I saw? That 400 and

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So now what? What's happening with your car? What's happening with your car? So I basically end up, he tells me that, yo, like, he basically tries to, he basically tries to ghost me with it. And so I'm like, no, like, I'm going to find you, I'm going to figure out your information. I'm going to figure out your insurance and follow myself. So I go and I file a police report and they're telling, I finally figure out his insurance. He has Geico. I call Guyco and I'm saying, hey, I follow my situation. They're like, hey, he doesn't have Geico. So I'm like, this is Euphoria Calvin Klein, the new Elixir Collection, featuring three perfume intense scents, inspired by a unique orchid accord paired with vanilla, each with its own distinct attitude, each with its own

universe, bold elixir, sensual, woody, addictive, magnetic elixir, sweet and romantic, like a lingering touch. Solar elixir, a radiant expression of joy. Ultra concentrated for amplified impact and lasting power. Find your euphoria. Discover the euphoria elixir collection by Calvin Klein. Okay, that doesn't make any sense. So I text him out. I know you don't have Guyco.

What insurance do you have? He's like, oh, I have a company insurance. And he slips up and tells me the company insurance. So I filed with the company insurance. They messaged me back letting me know that he had a lapse in his insurance when he hit me. Oh, fuck me. So now it's up to me to basically sue this guy

Let them know the court know that he was lying to me the entire way through What are you going to assume through? I don't know I'm still figuring out That's what I was thinking small claims That's a lawyer You couldn't have a lawyer Yeah I've been asking different lawyers

I have a couple of friends who know lawyers So they've been telling me like Hey go through small claims you can get up to like I think 20,000 was the most that you can get Oh what car What's your car? It's a BMW 328 I Then why are you going to be homeless?

We haven't even looked at the statements, but why are you going to be homeless? You just moved here. Just because I don't have any money, man. I have nothing left right now. I am negative $200 and something dollars right now. Why do you spend it on 25% of your spending is going out to eat? That's not you having no money. I got to eat.

What you mean? Got to eat. Do you ever heard of a sandwich? It's a grand new creation just invented yesterday called ham in between two slices of bread. for like $5 from H.E.B. Hold on. It's not even $1,000 going out to your monthly basis. Right now?

Where we are right now, groceries are expensive. Yeah, I know. What do you mean? That's a broad term. Our groceries is expensive right now. I could get you $300 a month, $2,500 calories a day with a diversified meal plan that we have proven and have written out that I can give to you. I like that.

But also, have you heard? Yeah. Hold on. Hold on. Hold on. Pause. Have you heard of. nacho fries.

You know nach fries? Fries with nachos. No, no, no, no, no, no, no, no, no. Nacho fries from Taco Bell? I've had them once. They've kept me alive, man. That's like, it's almost like,

it's how to get food from DoorDash or anything like that. It's normally because, like, yo, like, this is something that I know I'm going to actually enjoy. I have a really, uh, a really not the best idea with, like, cooking and stuff like that as well.

So I was just relying on DoorDash. I can get this right now. I can get this right now. Instead of trying to Uber somewhere or order groceries. I did end up ordering groceries at one point this last month or so. I don't give a single thing about anything you're just saying. You just said I don't have money and I'm going to be homeless. So we spend $1,000 going out to eat.

That's where I'm at right now. But literally before I got here, I did make the conscious choice to actually make to get groceries. Doesn't matter. Whatever you're doing right now is what matters. Exactly. Right now, the last thing I did was get groceries. I had to do Dora Dash now because I couldn't even afford to literally go and get groceries. That's the hard part. Oh, I go to the grocery store. I buy, I buy just

ham and bread and cheese and I come back and I just eat sandwiches every day. That's what you, that's what you're saying. Yeah, you could. You would do that. Oh, yeah, I've, I sacrificed everything when I was getting out of debt for multiple years. Absolutely. And we're different people. So we're going to do different things. Yeah, we're different people. One's responsible and one's saying they don't have money so they can't afford rent, but it's a thousand dollars going out to eat. That's not. It's not a thousand dollars. Yes, it is. It's $964.65. What do you mean? You send me your I know what the f***ast. Doordash, it's going out to eat in general.

It's going out to eat in general. And then Miscellaneous bull's. It doesn't matter in your life was 6.5%. I think that eating the door dash and getting what you like versus just eating sandwiches every day when you can't. It just makes me feel better. It's literally like at a time you have to think I'm going through this stuff. I'm also going to be depression. It's not about feelings.

If I went and shot up, it would feel pretty fucking good. But I know it's bad for my life. Nobody would tell you to do that, right? Nobody would tell you to do that. But ordering door. DASH and shooting up here. Don't, don't compare. What is that? Like, what kind of comparison is that? I'm saying things that feel good doesn't make it the right choice. When it comes down to buying Dordash, just because like, yo, like, I literally can't get out of bed to go to go do something

right now. I can't access groceries right now. Like, I'm having a hard time. I think if I'm not mistaken favor owned by H-EB, like it has a delivery cost of 25 bucks, which sucks. But if you do a major two-week, two-week grocery shopping trip plus like a $10 tip, which isn't absolutely fantastic, but just say you doing that as an example, that's still going to save you much more money in the long run than $1,000 a month. If you do a 300 grocery trip plus the delivery fee plus the tip for a month, that's going to say, let's just say it's $600. That still saves you 33% of your, you.

Like you, your excuse is want and joy, and that's fantastic. I want you to have it. There's a little thing called a roof over your head that I also would like you to have a little more. And that's facts. That's completely understanding. But I appreciate that thought. Up until this point, up until this point, up until this point, up until this point, I had the roof over my head. And now we're at this point.

So now we're at this point because also at the end of this month, the where I'm playing, where I'm staying right now is a room share, right? Where I'm staying right now, the realtor wants to sell the house. So now I have to find a different space. And every space that I'm looking at right now is just. out of my league in a way. Every space you're looking at. Yes. Every space that I'm looking at right now is out of my league.

I know now since I have all these extra bills, I have, you know, the insurance, I have my car. I know I have literally all this stuff. You can afford $1,000 a month in rent. Shall we pull up where there is? That's on your high end. That's your max. That's your max.

Okay, that's my, okay. It sucks. Even then, even then right now, even then places that are like $800, you know, to live in a month. aren't going to be in the best places or trying to stay while where my job is right now. Austin has like one dangerous place. I am very on the ins and outs of Austin.

Okay. There's a couple rough neighborhoods, yes. But in general, Austin has like the lowest crime rate of almost any major city. Okay. Welcome here. Congratulations. You led it in a pretty good town. Okay.

But even still, there's like one dangerous, it's like east of the domain for like seven and a half minutes. Got you. It's like a sketchy area. It's not even just on the south side. It's not even just that. I also am trying to stay close to my job since I don't have my car right now. Where's it? Yeah.

Well, where is it? We'll censor it or cutting it out. Well, that is great. So I'm currently seeing 105 places zoomed out, 105 places with multiple units within those places each of a thousand hours and less. Okay. So it's 105 places with multiple units within those 105 places. Within the area you need to get, let me zoom in here. We are getting about 27 places.

with multiple units in each of those places that you can rent for $1,000 or less. And a lot of these I know to be in quite decent and or some actually nice areas. There's a couple that are not. So this is the, you're right, the places, I'll let you talk on the second. Sorry, I know I talk a lot.

I might probably just be interrupting. Go for you. This is the statement you said was correct. For the places I'm looking, I haven't been able to find it. You're not looking at the places you can afford. I'm not even looking at $1,000. as my cap because I didn't know that.

I've never known how to like budget and stuff like that. So I'm actively trying to learn that right now. That's about 30%. Well, you're going to go through our budgeting program because of your guests on the show. So we're going to send you that whether or not you take it is up to you. Oh, I'm taking it. It's coming with you. I'm leaving here with something.

Okay. Yeah. No, no, no. And actually a lot more. But we'll tell you that afterwards. But I think. So I was looking at 800 bucks. That's what I thought that I could afford as far as rent goes.

That'd be much more comfortable. by myself because I want to be able to save. It's really, it's really, can I give you a hint on saving? Yeah, for sure. Spoiler. $1,000 on DoorDash doesn't save money on $3,000 a month? It's pretty funny, I know. Again, the DoorDaz situation is, I love to eat.

I like to eat food that, yeah. It is a feeling things. Who are you looking at right now? Well, then you should be able to understand, like, yo, like, when it comes down to when you're when you're okay say you're depressed yeah because depressing is something that I that I

fight with constantly yeah sure manic depression is something that I fight with constantly and just looking for a bit of a bit of happiness eating something that means a lot to me that is really good to me kind of just I don't think any therapist would support that as a valid cope though as a valid cope sure that you do but definitely definitely I'm not saying it's a cope

but I'm saying something that like cope. You are saying it's a club. I mean, I'm not, I'm not relying on it. I'm just saying it's something that I can choose to do that's not hurting anybody or, or, you're hurting yourself. Financially, yes. Financially yes, but I'm saying like, I'm not only eating. I mean, I'm active. I skateboard. I literally go outside and I don't skate. Congratulations. And then you spend a third of your income on DoorDash. Um, but I also do things that, that I try to like, I'm always like, yo, like, I'm going to try and make it up by doing this by, uh, whether it's like doing small gigs on Craigslist or- You wouldn't be going home.

homeless if that was the case. The reason I'm going homeless is because I'm not sure how to handle my money well. That's the reason. The door dashing you spend a thousand hours a month on DoorDash. You can't handle your money well. If that was the case, if that was the case that the doordasting was the major reason, then I would

already be homeless. No, what's your current run situation? My current rent situation is I'm paying $700 for. Paradee present. Ohos with Alercae and Picasson Contra El Jardino. And the ganador is Paradee Extra Fuerte. To alleviate the

Are you Alericketts Clarity and Flownase a 1 at 24 hours. Paradee. A room. That's why you're not homeless because you're drastically

under the Austin market. Gotcha. Okay. Well, I thought that I was handling well by just, you know, DoorDashing here and they're like 20 bucks. Yes, that adds up, of course. But I also had a mispayment.

I didn't think it. I didn't know it was at a amount. You had a mispayment on your credit card, which is the first thing on my statement. If you have a misspaying on your credit card, you're not managing it well. Yeah. And yes, DoorDash can.

lead to that because you don't have any money. Yeah, this is true. You haven't missed payment, so here we go. All right, 20 minutes and two, and we finally start the first payment. So, let's see, Mr. Capital One. Now, you paid off a previous balance, but then what you were doing is you purchased $200, and then you did have interest charge, and then you had a late fee also charged. Why?

Why? Why are you just paying it? It's not like this is like an incredible high amount by any means. $200 versus the $1,000 dollars on DoorDash? I don't have an excuse. I don't need you to have an excuse. It's just like a reason. There's literally just like moments where I just don't have the money or I move the money over and I have it ready for it to like at least play the minimum balance and then I don't have it.

Yeah, you're managing it well, right? Sometimes I just don't have enough money so I don't pay my bills. I make poor choices financially. Yes, yes, I do. But again, I definitely try to make up for it by literally trying to bring in money by doing different things. Like I said, yeah, but that never works for anyone because if people don't learn their money management skills, then they go make $100,000 a year from 30. They just inflate themselves beyond that extra income that they start bringing in. That's what everyone does.

You're just going and making the money is not your primary issue. It's how you're managing the money that you have is your critical issue. I constantly feel like I don't have money, though. That's the thing about it. Yeah, because you're not managing it. That's how it works. Feeling is a feeling. Well, I feel like.

Math is math and the math is you're not knowing how to do the math. And that's okay. I'll teach you, but it's not a feeling. $29.28 cent minimum of the payment. Oh, here we go. DoorDash, DoorDash, DoorDash, DoorDash, DoorDash. Not so far. DoorDash.

Do natural fries. Hello, bro. Waterburger. Whoa, whoa, whoa, whoa. Dude, natural fries was two things on here. The rest were just not. And then you stop and you get like, you don't have a car so I know this is the ass getting some like, what we

We call tequitos here, which is bull-necessary. It's a quitos is fire! I'm literally... Okay, you know that I'm feeling things, right? So I'm getting things... Yeah, you're feeling the fire come out of your ass after eating the taco bell. Hold on, hold on. I'm healthy.

I'm healthy, you know what I'm saying? I eat, you know what I'm saying? And I poop just fine. Don't talk about my ass like that. It's not cool. I know you're... The stopping $8.82 at a store, just like the shop. Okay, so...

Okay, so that is a store that's next to my... job so I will get I will get water the water situation is just because I just prefer bottled water because I can literally I get a big bottle water and I take it home a pack of like a million of them from HB the cheapest option which is what I personally get when I need water bottle water like the guess like I love the guess but I don't need expensive bottle water out there so I get the stupid big crate for like ten dollars it's incredible yeah instead of going and dropping almost ten dollars every time you want to get a couple Couple sips.

Yeah, definitely. I mean, it's not a couple of tips. Like I said, I take it home and I drink it. Like, I literally drink these things every day. Like, I literally drink it every day. Yeah, that's expensive. You could get 10 times the amount you're getting for the same price, though. This is true.

And DoorDash was twice. Or, door dash was a million times. Your little special little cheese fries were twice. Not so fries. Yeah, it's fucking cheese whiz dipping a fry. Whoa, whoa. I've had it. It's on a simple.

Okay, but did you enjoy them? Did you enjoy a nachi? No, no, no, no, no. Did you enjoy the naches? Sure, I enjoyed them. Thank you. That's great. Living in a place.

Notchifies, man. That exists. That protects me from rain. And I am right now where I'm headed. We don't know just yet. And that's what you're here for. I feel like you're about to save me for that, right? And trying, if you know how to listen for a single second of your life.

I'm hearing you. I'm listening. Go on. Go on, going. You're hearing me. Let's get what are you like listening to me? I think. I think I am. Complicated airflow is making its way over there. Whether or not it's being processed is beyond me.

Yo, that's why? You call me dumb. Is that what that is? You're acting a little dumb. Is that a, is that, is acting a little dumb. Your choices are dumb and you're defending them. You're defending dumb choices, which equals being dumb. I feel like I'm argumentive in certain areas just because they mean things to me. The door desk is not is not something that should happen. You're absolutely correct about that. And I'm trying to, I'm trying to explain to you. Yo, like. this is just a hard part of my life that I'm just like, yo, like, when it comes on the food, I'm like, okay, I'm going to eat. I'm going to eat at least. I'd rather eat than not eat. And that's where I just talked about the complicated airful of not being computed. Because I told you how to eat.

Yes, you said groceries. No, no, no, no. You said groceries. And that's totally fine. I understand it. Yes, buying groceries. Like I said, at one point, I did buy groceries. I spent that money on groceries.

And I ate that food. Like around the time when the freeze happened, I bought groceries. I bought groceries. Freeze. You weren't here. Yeah, yeah, yeah, I was. I was. Oh, the little 30-degree thing.

Yeah, everybody was like panicking, talking about that it was going to be like, you know, super hardcore. I bought groceries before that because I knew I wouldn't be able to. And I ate off that for a hot minute and I was like, okay, cool.

But it came down to again, I ate it all. So I was like, okay, I need to go again. You're prioritizing your wants. Yeah. Yeah. And you're accepting that?

Not willing to change that? Not willing to grow up with a, I wasn't willing to change that. I wouldn't be here. You're like acting 10 years younger. If I wasn't willing to change, I wouldn't be here. Okay, then why are you not? Why are you, you're arguing about every single second or door dash.

There's no point. There's no point. I'm not trying to argue with you. It's not an argument per se. I'm just trying to, how do I say? Voice my thoughts process so you can understand like, yo, like this is why I'm door dashing. It's not, it's not a, oh. I can't why, but I'm telling you not to.

And then you're like, but I want to. Yeah, no, it's not a justification. I'm not saying that I want to and I'm going to continue to. Are you going to continue to you? Are you going to continue to you? How about your answer that? No. Absolutely not.

No? Can I cuss here? Yeah. Oh. I said like a thousand. My bad. That's okay. Well, good, because I mean, that's everything.

I mean, that's not everything. But that is a big part of your thing. What scares me is we go to this chime credit builder statement and it's just these cash advance a damage draws. Cash advance is I owe them money right now. Yeah. Because I took out money when I'm. I was younger and um chime uh they're basically wait how long ago uh this is years ago but it's it's something that i've been having they they keep it's basically a bill collection so cash advance is

uh like a loan thing i know it yeah and i didn't pay a lot of money back and um because i was like you're willing to change so i'm not going to dig into the door dash anymore because you're willing to change but i just want to look back to in terms of decision process and I freak out on you about it. But if we owed them 496, don't you think at least one month in your past, literally one month out of the many years you've been doing with this, you could cut back for one month and just take care of this once and for all instead of kicking the can down the road, which is all you've been doing. Yeah, um, I, they had, they would contact me for a while and then they wouldn't contact me. So I didn't realize how much

I actually owed them. Um, I thought I had like paid off enough of it because they would just stop like charging me. It was like the, how do you say, the loan was getting passed around to people for them to come and find me. And I didn't know how much of it, yeah, that it was. You owe them 496. 496, you can change this thing that's been haunting you for years. 496, you don't make an incredible amount of money for the city you live in. But 496 compared to your money, man, this should be something that any responsible adult who realizes it's an issue should be able to just kill $496 all at one time. It's hard to grasp when you're trying to literally like pay off other things.

So like I say when I when I'm paying, it's like 496 win. You know, when? 496 win. Do I pay it in the beginning or do I say it in the beginning? But this is my thought process without even realizing how much money I'm already spending. I'm already wondering where my money is and trying to figure out where to spend it or where to pay things off. I have no, no, no numbers background. I have no math background when it comes down to it.

Like, I don't know how I'm budgeting. I just learned, like, an inci-bensy part of what, like, budgeting even is. So I'm trying. No, I get you. We'll get you there. But today's the wake-up call. I wish that financial literacy was taught in, like, telling me, man. So much, man.

Like, people actually need this. I wouldn't be in this situation that I'm in right now. A lot of people wouldn't be in the situation they're in right now. They wouldn't be suffering as bad if they had a little bit. bit of financial literacy. Absolutely. It's ridiculous. Yeah, but let me learn about all the

I never used once in my life. Instead. Yeah. $359.26 in collections. What's that for? Why have we not paid? Again, this is such a, it's not an insignificant amount of money to you,

but for where you are and what you make, this is something that a responsible adult could buckle down and take care of. But something went to collections and it's just sitting there. What was it for? I don't even know that. know what it's for i don't even know i pull up your credit karma you have credit karma pull up your carder carma let's see i know your car's on there as well at least my credit score ain't that bad i don't

think what is it uh like it's almost 600 oh that's not that's not that's not really bad right it was like 599 i'm getting there i'm trying to figure it out sir what's your credit square it's close to 800 now hey you'll take a loan out for me that's a really cool shirt thank you link in the description below do you even tell them to say that card usage is 104 1004% 104%

you're only supposed to use something like 60 right or something like that zero would be preferred credit card usage no no no no you just never hold the balance yes it'll be randomly reported in a moment of okay you have a certain percentage but in general what I'd want to see is closer to zero three counts let's see we already went over

so the only one must be a card whatever the stride bank is is like zero dollars i don't know what is that stride oh that's a when i worked for uber they uh they gave me a stride account there's nothing there okay the car that is non-existent because it's ruined 4,474 at what interest rate uh damn that's a tough one uh It was a low one.

I got it with my dad at the time. Yeah, but what's low? Point three or a. Or like point eight or something like that. No, it's not. Yeah. No, it's not. I'm pretty sure that it was something super late.

It's something that I could never again. Do you have it by chance? His car? Yeah, because that I would doubt. What's your minimum monthly payment? Three, is it like, I think it's $340, if I'm not mistaken. Yeah, yeah. You know, let them take a look and try to find...

Well, actually, I might be able to see you. He and his dad. He and his dad. Hey, Dad. Yeah, you didn't sense the statement, so... Oh, okay. We can't do things without statements. And trust me, that gets real weird in here.

Got you. We'll get there. I don't believe you on the interest rate? I can text him real quick and ask him. He'll respond really fast. Will he know? Yeah. I mean, it's under his stuff, so...

Honestly, maybe. He just had really good... He had really good, really good credit. I know, but then you would affect it because it's not your credit as well. But it was in like the best interest time. So it's possible. Okay. $252 in our chime checking account.

Yeah. And this is where they're not having a car thing. Uber. Twitch, you're supposed to be making money off of Twitch. Should you go on spending money on Twitch? Support the homies. Support the homies.

Support having a roof over your head. Support the homies. Support have the thing about it. That's another reason. Like, I mean, they get $100. but it's there's so many people that there's other things so like people are like uh subscribe to me on like co-fe and stuff like that like they support me in that way you didn't tell me that for your income how much do you make off that uh it's probably like 30 bucks um great i don't know that that mattered my bad but um it basically

doesn't yeah vigilante gaming group $13 $13 $15.000 visualizing gaming group uh oh um so for uh My friends took me to a game bar here in Austin. Your friends took you and then you spent money. And I split food with them. Yeah. I was like, you know what I'm saying? You pay for SoundCloud?

You pay for SoundCloud? That was an accident. I was using them. I was using the free, they give you like a free, you know, like month or whatever. And then it charges you.

And I forgot to take it off because I was practicing DJing. Take it off. I did after that. I can't. charge you back. 40 bucks door dashing

and then there's an Uber trip and there's your little water there's your water there's your water Uber trip D2 management

$56 okay so that's me paying off the loan thing so they got in contact with me and I just started Oh no so

sorry the Jetty thing What was you talking about So Jetty is from my last apartment it's like an insurance Oh yeah I'm Again

How much you owe Let's see And who's Who's it to? It's the last department's insurance? Yeah, it's like a... Jetty is like an insurance policy thing that they hold. Choice hotels get you more of what you value. Here's a little tune to help you remember.

Same drive, different day. Don't you wish you were getting away? Pack your bags and come on through. Texas, Ohio, Alaska, we're up there too. Comfort in. It's calling your name. Save on the stay. Oh.

And free waffles. are yours to claim. Well, I hope you like my little song. Book direct at Shoreshiltails.com. For your housing or something. I don't know. How much you owe?

400 and something? And that's the minimum of the payment? Yeah, the minimum is the 50 that they're charging me. Yeah. Damn, I'm getting hooked. But you see, like, all these bills that are just coming from which in which direction, and I don't know how to handle it.

I'm just like, hey, I'm a caveman. You understand? Get it? What? What is that? The caveman feet. Shoes? Yeah.

Their shoes. They're cool. Yeah, you're an interesting one. You know what a Dewee is? A duty? Doey. No. A duke.

Do you bought a du rag? Yeah. No, I've never bought a du rag. Amazon. You pass my test. Go ahead. Okay. Sending out $40, Apple Cash.

Another Uber trip. Roblox. What are you five? Whoa, whoa, whoa, whoa, whoa, whoa, whoa. whoa, whoa, whoa, whoa, the Roblox thing was an accident. I didn't even realize I was paying for Roblox. I bought it from my little cousin so he could use that account because I was like, okay, cool. Like I can use it for my little cousin and then I use it for the kids that I teach as well.

I need you to track the month basis, man. I didn't know. I didn't know how many times now. I was like, oh, I didn't mean to do that. It wasn't supposed to happen. Like we can't just keep doing that over and over again. You need to track the month basis. Sit down to your budget, take the budgeting program.

Get yourself actually figure. out like the thousands of people have taken it. Okay. Steam purchase. Snack time. We're back. Uber trip. Water. Uber trip. Uber trip. Tacos. Water.

Uber. Some Google Bill. The steam. Uber. Uber. Discord. Uber. Nitro's clutch. Everything's great and there's nothing wrong with any of the purchases we're doing. Amazon. Apple subscription. Microsoft subscription.

DoorDash. $128 of Doordash? What the f f f you possibly get? Oh. Did you possibly get? That was the heater thing. I'm pretty sure. No, no, no, that was groceries.

That was groceries. That was groceries. You'd check out probably a better delivery service. That was groceries. That was groceries. That was awesome. Dropbacks, Fiverr, we're paying people. Yeah, DoorDash, Uber, Uber.

There's your D2 management. Pated $56 a month or $56 dollars twice a month? It should be a month. Okay. Wait. It might be every two weeks. I didn't even think about that. It is every two weeks, huh?

They don't think about much. I'm thinking, though. I have deep thoughts. Apple money out. Snack. Spending more money at Twitch. But I'm going. Cash out, about $380.

So that's your rent. You do that twice a month, though, right? No, no, no, for rent, I take it all like literally like the day before, like a couple days before I take it all out. Water, water. Water. Water. Neat dude. Neat dude. So need dude, actually. I like your energy. I just wish you were better with your money. Uber trip. They send me a cool rug. So that's what the need dude is. The need dude, I got that money back. That's not, that's nothing. Uber trip, Uber trip. I can get you a water.

Uber trip. What? I can get you a rug. Need you. I have rugs. Amazon Uber trip Toll House Cook cookies $70? Toll House cookies It's Toll House

I don't know It's Toll House Toll House what Tell me you spend $70 There $70 dollars is a lot of money To you so you better know what it is I think that might be Ross Kill me now

I think that's Ross actually Ross I see Ross later in these statements Pizzeria Shakespeare's Pub Fantastic The most ridiculous statement I've ever seen my life. You think anyone can read this? Why didn't come out like that? If you should know how it looks,

you sent it to us. Yeah, but it was supposed to, it's supposed to be in white. If we request the statement, if we request the statement, I mean, send a statement, not screenshots. I thought I was being creative, dude. That's so silly of you. What the hell was I thinking? Super silly. Two hundred eighty dollars, ATM cash draw. Now what you do is you pull from your savings. You pull them from your savings that have money in your account and you don't even have any savings. I really don't have any I know. So you put a little aside and then you've... So chime automatically

makes a savings for you basically. But the way my check is split up is... You just pull from that, so... Great. Uber trip. I know how it works. Uber trip, Amazon, Uber trip. What are you doing?

What are you doing? Why are you at this table? Because I want to get out of this situation. Do you? I do. I do. You're going to have to prove it and show me. DoorDash.

I will. There's your Ross. Twitch. How much I spent at Ross? Two bucks. So in reality, the Ross situation, I didn't just spend $2 at Ross. I spent like maybe $70 at Ross that day. Okay.

I really like clothes a lot. You like a lot of things. I do. I do. It's just part of my personality. Personality. So I like to dress nice. I like to look good.

Can I introduce into your personality this little thing called responsibility? Yes, you can. Thank you so much. I appreciate it. Heard about it. I'm getting into it. But I'm going to responsibly try and look good too.

You're wearing something from the fucking Matrix. Sick, right? You don't like the Matrix? It better keep you warm under the bridge you're going to live under. Ooh, that was a good one. DoorDash, Uber Chip, water Uber trip Crackle Games

Uber trip DoorDash Uber trip Water Uber trip Uber trip Uber trip Uber trip Uber trip Uber trip water Uber trip sending $54 $54. Okay so $54 is because we pay for a storage in Houston where the rest of my stuff is at Oh my gosh Uber trip door dashed Uber trip

Uber trip Some Oh pavement you went to That was my first time I went to a thrift store here It was fire by the way and I got some pretty cool pickups. Yeah, you let your money on fire. It's awesome.

$496 out for insurance. Twitch. You spend a lot of money on Twitch. I can't, like, I can't really express to you what it is to buy clothes because I don't think you have like a, like, your style is like.

I just wear clothes because they're a necessity. Yes, you know, that's, that don't make sense to me at all. Like, I need to start. I would love for you not to be on the streets naked, but, you know what I'm saying? And style is a part of personality too. I'd be cute, naked. I'd be fine.

That is a wild statement to me. I'd be cute naked. Yeah, like, you can put me out there. It'd be great. I'd be cute naked. That's what you want to run with? I'll go with it. I'm bold.

I stick with my statements. I have no fear. Say you'd be on the street looking sexy. And they hit the flex. But I'm just saying, so like, clothes-wise personal, clothes is a part of my personality. So I'm investing in clothes is like investing in myself in a way.

That's really cool. I just don't want homelessness to be a part of your personality. It won't. It won't. That's what you're here for. You're jovial. You're happy. You're a silly little love. And that's awesome. I'm so happy for you. Congratulations. I'm sure you'd be pleasant to be around. Other than calling attention with your outfit to us, even though I'd rather be discreet in public, that's fine.

But I'm sure you're a fantastic person, Brown. Give a shit. I do. I do. You are not indicating that in any way whatsoever. I just try to add a little bit of positivity to the spin because I know you're upset with me. This is just real world. This is real world. This isn't true. trying to sprinkle little rainbows. This is just the real,

fuck the world. But the real world, if I didn't. Maybe if you accepted the real world at any point in your life, you wouldn't be in the situation. But if I did, if I did as hard as you want me to,

I wouldn't be here. What do you mean? You don't understand, bro. Like, this is heavy. This is hard for me. I'm living. This is hard for everyone.

This is hard for everyone. I'm telling you right now, bro, like, do you see a therapist. No, I don't. I can't afford to do that. You make no money.

You make no money. You make, you, where can I afford to do that? little money you would qualify under the Affordable Care Act to take insurance that would be basically $0 on a monthly basis. Your co-pays, they would be shit. They would be shit. But guess what?

With where your money is going, you can afford it. And I think that would do better for your future. And actually, whatever, I don't care what you think. I actually do care about your future. That would go so much further for your longevity and happiness in life and actually recovering through bad things that you may have gone through. I don't know. You haven't told me.

And it doesn't matter. But that would actually go a longer way to giving you a better life than just spending it on crap, man. If that went to co-pays for therapy, life-changing. I didn't even know. I had never even known that was like an option. Like no one's ever sat down. I've, I left my house at 18 years old.

Paycheck to paycheck thing, like this thing has been with me since I was young. Like I don't know anything. I don't know money management. at all. So like me, I'm trying. I'm trying so hard. And I know it doesn't look like it per se, but like I'm literally trying so hard to like figure out how to manage my money better. Like I said, I wouldn't be here if I didn't care. But okay this like if I really sat down and I wasn't, I wasn't, I wasn't myself. I wasn't, I wasn't trying to add a smile to my. I'm, when you say I'm not coping, I am coping. My jokes me, me, like, yeah. But you're saying like you think I'm, you think I'm

I'm laughing because like, oh, like, ha ha, this is a joke. Like, this isn't funny. If I didn't laugh, I'd be sitting here bawling, bro. Like, I know that my situation is. I know that it is. And prove it in your actions, man. And I will. This conversation is just a limited part of it.

This conversation is a break. Have a kid cat. This is just a limited part of it. I like to call the awakening of the insanity that a lot, that everyone goes through before they come on this show. I need to call their shit out. And now what you? do and your actions prove to us that you actually fix it and I will eat my my

my and I'll eat my words okay and I promise you I will I will I'll I'll change all this stuff is going to change now I promise I put that on my I put that on everything I put that on my son like this all will change you have a kid I have an eight year old okay yeah and so I you you're like they live with you you're gonna leave with you um no they don't so my son is actually in in in uh in my my hometown so he saves it his mom and and I give you know I basically try to give as much money as I can to help out because he has you know he has other money coming in from like the government and stuff like that as well he has special needs my son has uh he has done syndrome yeah and they the government helps out a little bit here and there with that

do you have child support dues no I don't I don't okay no I just give like as much as you Yeah, as much as I can, basically. Not as much as you can, but as much as, yeah. And I just go about it that way. But I'm lucky enough that, like, they, like, don't need a lot of money. It's just me being there. So, like, again, I was taking, when I lost my car, I was taking trips and stuff there, like, taking the bus there as much as I can.

So that's more money I have to shovel out. Like, why are you here? Why are you in Austin? I came to Austin because originally I wanted to do more content. Like, I actually got my job here. teaching and then I wanted to do content here. I wanted to try and apply for like somewhere where I could do like more content and just I have a couple of cool really cool friends here that do content as well and I wanted to be closer to them to do content as well and I just how's it going?

It hasn't it hasn't panned out that way. Are you considered moving back? Um no I'm not. I'm good with you coming out and making the dream possible but before anyone does that I want them to get out the bad interest debt and I want them to have a fully funded six-month emergency fund at a minimum. That's when you take the risk. It was right now. We jump shit. We jump ship. We jumped ship like randomly.

We thought we had things situated with like an apartment here and stuff, but things just kind of fell through. So when I got here, I didn't even have a place. When I got here, I had already, I've been, I've been living with a friend that I met online. Yeah. And I stayed with them for about. three months and then gradually i got my own room i got to the point where i got my own room well i know you talked about and you said you wouldn't be here without it but i just want to be

clear and i'll just say it one more time that stuff is fine that stuff is exciting i want you to have all of that i want you to have all that you get more of that man you get more of that if you just sorry i was getting worked up already i got worked up easily can you tell yeah you get you get pretty steam pretty quickly i'm just you just talking about therapy for me do you got therapy Yeah, therapy is great. That's what I'm talking about. Therapy is fantastic. It helps with my anxiety and it's made me a lot better person over the years.

Nice. No, I haven't passed. It sucks. But work and grow beyond it and you won't be judged for this situation right now a year from now if you actually take the actions and steps to make your life better. But that's all great. And you can have all of this and so much more if you sacrifice temporarily, temporarily, because your debt's not extreme.

If you sacrifice temporarily to get out of bad debt, have a fully funded emergency fund, start contributing to retirement in a way that gets you set up for life. If you do that, man, all of a sudden of the percentage of your income that you can actually start putting towards the things you want, become so much more substantial. You get to have so much more if you sacrifice

now, and it's so worth it. And I'm willing to do that. I'm willing to do that, except for not your advice, but for the most part, I'm... That's a joke. Please. Please. No, but real, we're talking. Yeah, that's a joke. I was about to just die. Microsoft So you also went to San Francisco recently?

Now there's a payment something out of San Francisco. I can't tell what it is because again, not a statement. Okay, so what if I, okay, all right, so let's, okay, nach fries. Okay. Oh my gosh. Just hear me out. So nach fries has a really deep lore in Taco Bell. That's, that's, what if I want to be, you know what I'm saying?

I just contribute myself to Taco Bell, Nacho fries just like once. Go work for them. I am. I'm trying to be like in a nach fries commercial. No. Sorry, my natural fries, I'd be like, not your fives. Go f-f-be-like a manager. Nah, I don't know.

You make more than you're making now. Really? Yeah, dude. People start off. What's up with education not being paid as much in this? No. Go ahead. Go on.

You have a degree in what you're doing? No. Oh, working in education. Yeah, yeah. I feel like working in education is, it should be getting paid, like, way, way more than I see. Well, I mean, it is what it is. We can all say, I wish, I wish, I wish. But you could go make more money some more.

If you're a hard worker, I know you could. I don't get you that. I mean, people start for like 15 bucks an hour doing a cashier job at Nicole Bell in Austin. Austin. I have tried applying to get like a second job. Like I didn't mind like, you know, just trying to get a second job and just nothing, nothing hits. It's hard to actually get a job here like my resume. What job is my resume?

Literally like even just bartending or I applied for, I applied for a wall. requires a lot of skill i will pride for wallgreens like cashier stuff like that and nothing nothing hits like mickey ds any of the service based i haven't done any service ones yet try service that's in high demand in austin still like austin can't speak for everyone where everywhere else but austin has never caught up to where we were pre-pendemic in terms of service-based jobs they are still like i swear you you just walk into any restaurant that serves food and it's like a neon sign that's just like please work for us please i might go work and talk about it uh yeah yeah San Francisco things. I don't know what it is. Whatever.

Okay, Amazon and some DoorDash and some classic. $19 in Capital One. Water. UberTrip. Apple Cash is a good, very repetitive. Amazon DoorDash. Prodash in Walgreens. I think that's the here. Apple. Apple Cash signed out. Steam purchase.

Water. Amazon. DoorDash. Jesus. DoorDash and $30. Burritos. This, again, is why we request statements. please listen to instructions let that be an example for you in your future i can't see what any of this is because you did not send a statement and this is impossible because this if we have the

spreadsheet we'd move this line over so that we could actually see what it is there's just debit card purchases and i don't know i think that's from cash apps i don't think it does tell that's not your cash app this is this is another cap this is february capital one February Capital One Oh And then this is cash Which is mostly just Ranting some

Sending out monies And getting monies And stuff like that Chime the savings $5. Why is it $5? Because whatever money goes in Immediately goes up

Okay Anything else Do you have anything else Or is that it? No, I think that's it That's the hard part You see like I don't even know

How much money is actually going out Like Oh, I'll tell you right now FunF Oh interesting how that works 37.7% of your spending 1,5005.5.7. 0.0.0.27 goes on to transportation.

Mostly Uber. Wait, wait, wait, wait. How much? 1,5005. $72.0.2. 0.2% goes to necessary food. That's known as going to a grocery store and getting groceries. Food going out to eat. $9.64.

$65. Mostly from food delivery. Unknown shopping. That's usually Amazon, Walmart, Target, because you never really know what's happening. That is 8.3% of your spending or $329.94. Putting money into savings. Mind you, this is money that went to savings in was immediately taken out, so it doesn't even really count. 5.7% or $2.22. Subscription, $76.69 or 1.9%.

Yep. Miscellaneous bull is going and getting your water, which you could be getting so much cheaper. So much cheaper, are you fucking broita filter and get a water bottle? I know you don't want it. I don't care if it's wants. 6.5% of your spending are $258 and $13. Large purchases, $580.1 cent or $14. point five percent. Those large purchases

are like the management thing. Okay. Some transferring money out, cash app out, ATM with draws, and Apple cash out. Okay. Then your phone was 1%. Sad on my mom. Damn.

Can I see that? Damn. It's an understatement. Because you're spending was... $500. $500. The transportation is bonkers.

You had three uh from the place that you work you had three thousand three hundred forty nine dollars come in you following on? I'm listening. Three thousand three hundred forty nine dollars came in. You spent three thousand six hundred nine dollars. You spent more money and came in, which is not a shock based on what we've seen. Yeah. So yeah, I don't think you managed your money well.

Well, thank you for, for pointing this out. Like, again, I've never had the opportunity to just like see it all in front of me. That's what I do. Well, that's why I'm here. So, like, Like, I'm here for you, man. It's tough love. It hurts.

But fun fact, actually, because most everyone's from the audience. You're not, but you're a fellow creator. So we want to work with you. But either way, on average, once people leave this desk, on average, within seven months, people have paid off $8,500 dollars of debt. That is amazing. Yeah. That is incredible.

Everyone that came on, people were like, well, what were they doing before? Maybe they would have paid off the same amount of debt. Well, everyone that's come on this show before was literally just building up debt. There was not a single person that's made progress before the show. So, I don't know. A weird thing to say. But, guys, it's a new year and you need to make your money work for you. You can do exactly what I literally do right now and put my money in the best high-yield savings account.

So-fi. I get a 4.6% yield on my money, and I also took advantage of the bonus of up to $250. when I signed up. You can start 2024 off amazing by doing the same by going to the link in the description below. So that's exciting. So there is hope. We just have to put action behind it. Let's get your budget, total income.

We'll do the 3,349 that came in last month. Wonderful. Plus 100 from Twitch, yeah? Is that pretty much guaranteed? Okay. Yeah. Shout out the community. Your rent on a monthly basis right now is 700.

but it's, I don't know what it's going to be. I'm going to put it at 1,000. You're like going to have to do 1,000. Okay. Internet? I'm going to put that at like, 700 is everything. Okay, well, at this new place,

I don't know if it's going to be baked in or not. Yeah. I'm going to budget, you're going to get, you're going to hate this as someone that needs the stream. I'm going to put it at like 35 bucks. What that is? Like, spectrum is some shit. Yeah.

Okay, so what if, okay, so I'm, I'm trying to take, them. I'm trying to take streaming seriously and grow as a streaming. Which we go in and we do when we have a fully funded emergency funding, no bad doubt. We take care of adult responsibilities first. Content creation to me is something that I want to be a part of my adult life. Yes, there's a lot of wants. You have. That's awesome. You got me. Yeah. All right. No, I can't. Like, I have to, I have to have better internet.

I'm not giving you 50 down, 50 up, man. Okay. Because that's what I'm not. That's what I'm, that's what it's signing like. I'm not like inhuman. Okay. All right. Okay. Okay.

Okay. Okay. I thought you was. 35. Like I'm about to be. Pick 35 bucks. But you're not getting, but you're not getting fiber. Gig.

Gig. No, no. I don't, I don't even have that now. Okay. Cuckoo. Ooh. Oh, I was scary. I was like, damn.

Nah, bro. Don't, don't cut my streaming. The rest of utilities, I'm doing $150. Okay. My insurance. I'm doing 15. Get it. You need it.

phone you don't take care of. Okay. All right. Right? Yeah. Well, so I pay 40, I pay like 40 bucks for my phone. It's in the 380 that's being dipped out to be a cash out. So I send it along with my car note.

40, but you could do something like helium for like $20 a month. I'm pretty sure my. Your phone's finances. Yeah, like they're like paying it. Or actually I think my mom's probably like adding, like she's like paying half of it or something with me. as well. Okay. This is being nice.

Let me get you a minimum with the debt payments. $175.66. Might sound like a lot of money. It's like the least we've had on this show. You are in such a good position. You have no idea. The income could do better, and I know you could do better because you're not making much for the area, so I know you could do better.

As long as we build out your resume and make it good. Bongers, that makes a no sense. The car insurance is wild. $496.70 cents. They hate me. Well, or you're just not responsible and you didn't have insurance, and then you got in a car crash. One or the other.

Which one is it? We'll never know. I have been in a car crash, but I wasn't at fault. Yeah, but that's... That's according to you. No, no, no. I believe you, but according to who? When I did have insurance, the reason, like, that it goes up...

They always want the other person to be at fault immediately. Yeah. They'll push for it, and then they'll negotiate, and then it gets... It does. But like that, I ended up getting paid out for that and everything. Oh, my. Your minimum money debt payment's wrong because the zero I wrote after your car payment did not make it down on my paper. Damn.

That makes much more sense. Yep, now your debt's not great. $475.65 is your minimum monthly debt payment. That mug is hard, too. Yeah. Nice, nice. Like of the subscription below. $300 for groceries.

$100. This is called total paper fund. The TP Fund. it is, is everything else you need to survive. This is just the any extra thing. Yes, absolutely. Gotcha. Yeah, well, I'm going medical.

I would love you to go to therapy. That would be awesome. That would be great. Check out the exchanges. I don't know when open enrollment is. Okay. You're 40 hours a week, though. Ye.

So you're offered insurance. Yeah. I just don't have, I haven't gotten a chance to go and access anything. I don't know. What do you mean? I've never used, like, just take the time and ask someone. from my job like that i have i literally ask them so like even for like my i care like these glasses

are not the best glasses like i i'm not doing well with my glass i don't know what to put for therapy yeah we'll figure it out and you'll put that in once you're taking the budgeting program and you have that thing figure it out i'll give you the discord but that's the only subscription you actually need right because you need that for your twitch yeah yeah i mean i can i can i'm pretty sure i can cut it i can cut it okay zero dollars for subscriptions okay almost allowed that i'm going to soft i'm getting a week. No more Netflix. There's nothing on there. Shout out whoever's paying for my Netflix right now.

Anything else you need on an ongoing monthly basis. Obviously not gas right now. We need to, well, we have to budget. Okay, how much did you spend on Uberine? A lot. I would want this small claims dispute to be settled or decided soon. I can offer me to pay

like a smaller amount sometimes Well I know I was just spending $700 a month in Uber and that's insanity Like we need to Send your thing to the junkyard Get another

Or hear me out Hear me out Let's sue this guy That's that's my plan I don't know any of the legalities Around this so I can't feel optimistic Or not around it I'm indifferent

Talk to someone Who knows what they're talking about When it comes to that Anybody know a lawyer? holla at me not for oh i thought you're asking me okay so i have to put i can i have to put 700 hours a month for uber right now

like i would rather you get like a 300 dollar car payment but i still hate that that's not good either you'd be getting a long term it sucks um i might be coming up on a vehicle then your gas goes up what does that mean um somebody offered me a vehicle they just said I have to fix a certain part with it. Like it still goes.

It just needs like a, it needs a repair. So I don't know how much the repair is going to be. I got to take it to see how much the repair would be. So I might get my car, get a vehicle back in the next month. So I, because looking at this is bananas.

Like that makes no sense. Right now with that $700, you're basically breaking even on a monthly basis. What you need to survive is $3,3,312,000. With your new rent. And this is your minimums. This isn't going out and getting that. This isn't getting that.

in DoorDash is $300 a month in groceries, $100 on essentials. So that's you breaking even. Which is the basics? Yeah. With everything I just listed out with the budget we just built, you're going to build a more concrete. This is like an idea of a budget. You're going to build a lot of concrete budget through the program, but this is the starter

gate basically. Yeah, essentially. Okay. I would love you to get more. And what's your certification? I'm in every T, registered behavior technician. Okay, that's good. Is that what you want to be in?

Is there any other interests you have other than social media? I know. I want to be a DJ. Okay. Thanks to my series, Dev. Cool. DJing a series. All right, fantastic.

So, what I'd be happy to do is I'm happy to do for every guest. If you can find something, this is a tech city. If there's something in tech you'd want, I'd gift you a certification through course careers. I partner with them. They're really good. They're great for tech certifications,

and I'm happy to gift you one. So look into that. But right now, you essentially, it's always easier said than none, but whether this is working more hours, the hours you dedicate towards, streaming. I don't want you to give up, but you might have to give that up and go work at McDonald's for now. Because if you, just one second, if you bring it an extra $500 a month, literally just an

extra $500 a month, which I know for a fact you can do in this town, man, you pay off that apartment in one month, the capital one's paid off in one month, the chimes paid off in one month. Like, fucking collections is paid off. And so all of that crap, except for the car is all paid off within two and a half months total. Two and a half months total, man. All the shit you've been kicking down the can down the road for years and years. It's literally taking two and a half months.

If you sacrifice for two and a half months, go work a little extra job that no one wants to do. Let's be real. But you'd be willing to do it because you're sacrificing. And then the car, man, you could take care of that in eight months. Eight months. You're out of debt in less than a year. You're out of debt in less than a year.

And that's with you Ubering everything. single day. Imagine what it is less by having a car payment and then you try to pay that as quick as possible. Maybe you're out of debt in a year and a half. It's so great. Then you can start investing because you have $0 invested in $29, which makes me scary. You start maxing out tax advantage accounts. Then you can start buying index funds or whatever. That's not an investing advice, but you start, you can buy what you can invest and there's great platforms. I use Mu-Mu personally. They're really good. But then you can also open tax advantage accounts on other platforms as well. So there's a lot of exciting things and I'm excited to have that conversation with

you at that time. It is not that time, but you need to get there. And what's so scary and what we haven't even talked about, and we don't have time to talk about it, unfortunately, is that I'm terrified for your future and the fact of you'll never be able to retire. And what happens if something happens? You can't rely on disability. It's not enough to live in a town like this.

So if you get hurt or something happens, what are you going to do? You're never going to be retired. You're going to be working in your 90s to be able to afford rent because you never saved up enough money to put it down payment on a house. You're just scraping by on a monthly basis because you're not. not doing the responsible things you need to do now, which is about 20% going to your retirement. But you can't do that until all your bad debt is gone. And you can't start investing until you have a six-month emergency fund. So this is probably a at your current state, a two-year

process, getting rid of this debt, if you go make an extra $500 a month and we're able to get the Uberine down by getting a car payment, then you have to pay off that car. So we include that in this process. Trust me, I know this is going quick. We're going to walk you through this more than just this video. No, no, no. But if you do all that in the six months of earners and I'm thinking like two years, two years, you're 31, you're still have your second best decade of growth for compound growth investing, letting it grow on itself. You still have the second best decade of your life to do it. You could definitely retire with like a million bucks man. I know you could do that. Well, it sounds crazy. Sounds crazy. And is that enough to survive by the time we retire?

Probably not. So security might not exist. Who the fuck knows? But we can get you to a point where you have a chance of survival, whereas right now you have zero, zero chance of survival. And that scares me because you're a human being that deserves to live a decent life, but you have to sacrifice for it. I took a, the reason I'm not getting paid, I could be getting paid roughly $25, $26 an hour. I took a pay cut because the clinic that I'm working at is a smaller clinic. It's a mom-and-pop clinic. And I took that pay cut because I told myself that I would work hard.

doing contribution to make up for that. I didn't realize how bad of a situation I arrived or any. Okay. So I'd say we go make that more money now and then you have the choice to give back like you are now. Once we have a fully front and emergency funding and we're out of debt. Okay. You can do that.

Just not when you're dying to do that. When you're suffering to do that. You give back when you can at minimum take care of your basic necessities. So I love the heart of it. But you do matter. Any final thoughts? Well, actually, before you do that, let's get your hammer financial score.

So our financial score, this is what we rank people based on five different categories, spending in a budget. All the door dash and everything, it was absolutely ridiculous. It's going to be a two out of ten. At least there was things being rounded up going to savings, but then you took it out. So actually, never mind. That's going to be a one out of ten. Damn. No, that's really bad.

Your debt, it's not even close to the worst, but there is collections. What does, unfortunately, according to the rules, make it an automatic zero out of ten. If you didn't have collections, you'd be closer to about a four. because it's really not the worst debt. They're not good debts, the individual debts, but you have two things in collections because you have the apartment thing, so it's definitely zero out of ten.

Emergency phone, you don't have anything zero out of ten. Fri-a-one, you have nothing zero out of ten. You have nothing zero out of ten. Hammer Financial Score, zero out ten. Make sure to check out all the resources. Linked in the description below as they are what I use or would use in specific situations,

including the best budgeting program in the history of the internet that thousands of people have taken and changed their lives. Thanks to all of our Patreon producers for making this episode possible. If you want to participate in an episode of financial audit and you're able to make it to Austin, Texas, please fill out an application on the survey linked in the description below.

You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at calebamber.com.