Financial Audit - Dumb Blonde Lives in Delusion | Financial Audit

Episode Date: July 17, 2024

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of Financial Audit A week earlier Check us out on YouTube What are you doing Making your situation worse Before that medically Necessary

$3,000 is about to hit Trying to To escape the situation that I was in So that means Go into New Day

Eatering And McDonald's McDonald's and McDonald's McDonald's and McDonald's Crack or Barrel This is because you're escaping. That's going out to eat every second of your life. This is all in one part that you can't pay off.

This festival that I'm going to, I wouldn't miss for my entire life. I am Marissa. I'm 23 years old out of Washington State, and this is financial audit. Thanks for coming down to Austin. So what do you do up there for a living? I'm a truck driver. Zoom in. Okay.

Are we long haul? Are we short distance? Wow. Okay. Yeah. That's a lot. but also could be good money as well. What are you making?

After taxes are taken out, I think about $4,500 a week. A week? Not a week, sorry, month. That would be cool, wouldn't it? That would be pretty cool. That would be really nice. $4,500 a month. Yeah, I would have no excuses if I had $4,500 a week.

Oh, so we're about to hear excuses, okay. Just a few. Okay, so $54,000 a year after taxes, the $4,500 a year. all that good stuff. Let me see if that correlates with what we saw. So we had coming in $4,309. So a little less. You're hourly?

No, I'm by the mile. Okay, by the mile. So maybe just a few less miles there. Yeah. And you had a little bit of cash app and a little bit of Venmo in as well. Yeah. Okay. I got scammed.

So one of those things is probably about the scam. How did you get scammed? What do you mean you got scammed? Um, I trusted someone that I shouldn't have trusted. Um, well, okay. So, uh, this person was from the EDM community. So I trusted them, but what like boops and cats and boots and cats. Yeah. E.D. Okay. Yes. And I'm very deep into that community. Oh. So normally I trust people because they're always watching out for each other. One of their mottoes is peace, love, unity, respect. The EDM community? Yeah. They got together and voted on that motto? Yeah, I guess. I don't know exactly.

Who coined the term? Who's the president of EDM? I don't know. Okay. If I knew I would like to meet that person. Oh, sure. But this person was from that community, and they told me that they needed help transferring the title of a car

because they were trying to sell their neighbor's car. And they said if I helped them transfer the title in order to make the sale, they would give me some of the profit from the sale. And so I was trying to help them transfer the title. From the sale. Yeah. Yeah, that's a bit weird.

Yeah, but I used to date like a car guy. So I, to me it made sense. And I also know people who don't have enough money to transfer a title. Sure. So I was like, this makes sense. And I also need more money right now. But yeah, he blocked me on everything. So, wait, how much did you lose?

380. So it's not like insane, but still enough for it to hurt. No, it's, well, I guess. I mean, depending on your situation, it's not a, It's not the most like egregious substantial hits your income. It's not going to end my life. But it also really depends on the rest of your situation. You said that has to do with your cash app in and Venmo in?

In? Yeah. I was saying you also brought in 227 through cash app and then 90 through Venmo. I don't really remember what that was for. Okay. Well, four thousand three hundred was made. How much was? Spent.

Probably more than that. You tell me. How much did you spend? Like this last month? Yeah, how much you just spent in the statements we saw, which is the most recent month? Yep. Most recent statements. 4,500?

Oh, that's interesting. $6,633. That is more than I made. Where the fuck with that go? Things that it shouldn't have, but things like fun. That's not an answer. Is that an answer? Um, if it has to do with festivals, I was probably escaping kind of from my family situation.

Okay. Yeah. We'll talk about that in a second, but how, how, how, how, I know you're paid by the mile, but how often do you work? What does your work schedule look like? Um, so I work for a month at a time and then. And you take a month off? No, I get a week off.

Oh, and then during that week, you just rage? Yeah. Yeah. Because I work with my ex. So that builds up. a lot of pent up energy. What I mean works with? You're a long haul.

Yeah. He's my co-driver, yeah. Oh, whoa. Whoa. It's an extremely uncomfortable situation. Yeah, what is that like? Originally, it was really painful. And then we kind of grew into it, like,

it would be more uncomfortable to drive with somebody else than it would be to drive with you. But then because we know each other so well. Does it lead to moments? No, not anymore that we're broken up. We've been broken up for six months now, but I'm not like... Okay, because there's no X I've ever had. This is inappropriate. Because we don't...

Can I ask it inappropriate? Can I say something inappropriate? Yeah. Okay. I've never had an X that I haven't seen again, that we didn't end up doing something. Yeah. And I feel like driving with that X would be an interesting situation. It is certainly interesting, but we're both adults.

who have decided that we don't like each other anymore. Why do you guys have to be cabin mates? We would take a pay cut. Well, I don't personally want to drive with someone else because it would most likely be an older male that I don't know. And that would be a freaky situation. And if I were to drive solo... Yeah, I get it.

Yeah. Yeah, but it's supposed to be a professional situation regardless, though. It is. Like, okay. It would just freak me out to be with some. else because I know him, but it's still uncomfortable at the same time. So I want to transfer to like a job that I can go home every day. I actually found a job. Yeah, you want short, shorter routes. Yeah. And I have my hazardous materials certification. The job that I had before this one, it was a fuel

job. So I've got, you know, experience with fuel and like hazardous materials. So there's another job that pays $40 an hour and you get overtime. So I don't have to go by the mile. Why don't you do this job? Why do I do this one? Why do you not do that job? Right now, I am staying with this company because I have a surgery. And I have... What surgery? A jaw surgery.

So I have... Coming up? Overbite? Yes, probably October or November. And it's with... Like, I have my insurance through this company and I went through the pre-approval process, which took a very long time and was not fun. So I don't want to do that again.

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to start your two-week free trial. Don't just take my word for it. Check it out for yourself and take control of your online presence today. It's peace of mind, people. Thanks again to ORA for sponsoring this video. How much is that going to cost you out of pocket? So I've been considering that. What do you mean you've been considering? I thought you were doing it. Well, no, I've been considering how much it is going to cost. How much is it going to cost? $6,000 out of pocket. It's $32,000 and I have a high deductible health insurance plan. Yeah. I've been working down my high deductible by going to therapy and stuff. So it's going to be less than $6,000 now because I've paid part of it with my HSA. Five? Like $3,000. Okay. It's still a lot of money. Yeah. And I'm going to have to not work for two to three weeks. That's the thing that I'm most scared of. Yeah. Well, is there not, I mean, you can't take, there's no pay time off? I do have PTO, but it's not going to go out for the whole time.

And it's also not as good as what I make. So educate me on this surgery a little bit because I don't know much about it. Is this cosmetic or is this like actual health? Yes, medically necessary. That's why it's covered by my insurance in the first place. Sure. I have a 15 millimeter overbite and they consider it medically necessary at 9 millimeters. So they're going to take this jaw, cut it like in half and forward and then wire my jaw shut.

So I'm going to have to drink out of a straw for like. a month or so. Oh. I might go on my diet during that time though, like after that, because I'm probably going to lose some weight anyways. So at that point, might as well just continue. You'll make that ex jealous. Yeah.

We got our new jaw and we lost some light. Right, yeah. Get a whole new life after the surgery. I wanted it my whole life, honestly. So. Yeah, I mean, well, if it's medically necessary, then. Yeah, my teeth don't meet up, right, so. So, yeah, like, does that, like, well, what's the bad?

part of that. Like what does it do? They can grind on each other in the wrong ways. Um, and that wear can cause cavities and could lose your teeth in the future. If it doesn't get handled. Yeah. So it needs to be handled. I also can't bite things with like the front of my mouth. So it's just not fun in general. I have a harder time eating than other people. Okay. So there is a lot of debt here and you're about to drop in other $3,000 and you're not willing to change change to a job. that does pay well to get away from your ex situation until after the surgery though and the surgery we're going to have to take more time off than we have in any kind of paid time off so it's an interesting financial situation we're looking at self-assess where do you think you are

zero to ten zero being the worst finances ever 10 being the best honestly I would say like a one okay yeah but it is medically necessary so it's not it's not like you're just doing this a want You're not getting like a larger earlobe or something. Yeah, it's not cosmetic. But they are going to take off like part of my chin because they said if they move my jaw forward, it's going to look like a witch's chin. So that part is technically cosmetic, but it's covered. They're getting it covered with it.

Yeah, we put witches to death. So I don't want to happen. Yeah, it would not be fun. Okay. So let's go through this first. Then I want to hear about how you feel like you're escaping the family or something like that. Okay. But this first card is huge.

First of all, how are you paying for the $3,000? Because I come on here. Yes, you can put $3,000 on here. But we're at a balance on the Discover it card. People love this one. Discover it. When I first got it, I thought it was a good deal because it was 1.5x and then at the end of the year, it gets doubled.

So I did make $1,300 off of that card. Yeah. If you don't hold the balance, sure. I did it for an entire year. Oh, great. and then it's $181 minimum payment. So this is what f***ed me off the bat. This ruins me.

And I don't understand because you're trying to pay for a large surgery that you have to pay a lot of money for out of pocket because you're trying to live a better life. But you do the classic thing that people do on the show. You only paid a minute, barely above the minimum fee payment. But then you took it from $5,490 to $8,33. Wow!

interest of $160,000. And $0.802 is accruing. So what the fuck are you doing? Because you have something very important coming up. So what are you doing? Making your situation worse before that medically necessary $3,000 is about to hit. Trying to escape the situation that I was in. So that means going to New Day eatery, meaning going inside a gas station, getting to bullshit.

Going inside a gas station, getting to bulge. Peninsula of food. Go into this espresso. going inside getting some bullshit this apple inapp thing the orange guy tacos going inside

getting some BS McDonald's apple inapp crap university tobacco and vape you vape you're getting a medically necessary thing for the health of your life I'm also going to quit I'm going to quit when the surgery comes because obviously I can't vape during that time

where I'll get dry sock it so that's going to be three weeks good Yes, good. I'm glad you're going to be forced to quit. And then McDonald's and McDonald's and McDonald's and Cracker Barl. Smoothie bar. Going inside getting some BS KFC Uber Trip, Uber Trip, Uber Trip, Hawaiian Bros.

Going inside getting some BS, Uber Trip, Panda Express, Dunkin Donuts, going inside getting some B S. Going inside getting some B S. Well, Sun at inside getting some BS. McDonald's. Silver Dollar. Silver. dollar.

Frugals and you're not being frugal. In app. Purchasing LaBelle Crapes. First Street Haven. Song Goku. Sushi. Asian cuisine.

Going inside getting some BS. Going inside getting some BS. Charlie's fillies. This is all in one month. One month on a card that you can't pay off. Going inside getting into a bullshit. Going inside getting is a bullshit. Going to second, it's a bullshit screwing out all this.

We have a $3,000 payment coming up. Dairy Green, subway. Going inside to get it to BS, you know how you'd be getting a dry, whatever, if you smoke, I'm getting a dry for whatever, saying all these words, because you're spending insanely subway. Going to take into bullshit. Jessica's Express. Executive Inn, Netflix, Bahama Mama Smoke Shop.

Uber eats, Uber eats, Uber, Uber eats, Uber, Uber, eats. Go inside again into bullshit. Uber trip, Uber trip, Uber trip, Uber trip. In apple crap, in app, apple crap. Oh my gosh, in apple crap. Please be the end of it. It is, thank. Because it's at a 26.24% interest rate.

What the? What is that? That's a joke. You said this was because you're escaping. That's going out to eat every second of your life. And I know you're on the road a lot, but that's not the only thing you can do while you're on the road. So I don't want to hear that as the excuse.

Have you ever tried to wash dishes in a public bathroom? dishes? I don't give about gish to get paper plates and shit, dude. Like, do it to cook. Plastic bag. There has to be microwaveable. Not everything. Things meats and cheeses and crap and a cooler. Listen, I get it.

This is the easier way to do it. And I wouldn't expect you not to eat it out at all. Yeah. But the fact is, you have a big surgery coming up. You can't pay off the car. The interest is accruing. And you're saying you built this up because you're trying to escape family or something. Well, that doesn't make any sense because it is just eating it.

out, eating out, eating out, eating out, eating out, eating out, eating out, eating out, eating out. A lot of... There's... There's... There's so many options that don't involve cooking. And, listen, I've never done the truck game. I don't want to do the truck game. Actually, I know that...

I could see myself, you're just throwing a podcast. I don't know. I feel like I'd kind of enjoy the road relatively. Maybe. But either way, not my dream job, and I haven't done it, so I can't speak about it. But I've at least followed people on TikTok that do prepare meals in their truck. Yeah. It is possible.

I just need to do it. But are those people that you watch, are they individuals? Because this truck is moving about 24 hours a day. Yes. So it's really hard to, like, cook while someone's driving. There is, yeah. We do have something. Microwaves chill, right?

Yeah, I have a microwave. It's just hard to eat microwave food all the time. Buddy, you're going at KFC every second of your life. I don't give a shit. Get some frozen meals. You just lost it. You just lost it. We don't have a free.

You just get a cooler. You just lost it, dude. That's it. If you have a microwave already, I'm assuming, right? Yeah, I do. Then you've lost it. You do not need to go out to eat. You do not need to go out to eat.

Even if you pre-pre-pre-pre-pre-pre-pre-pre-pre-pre-pre-pre-mills, package them up, you wouldn't have to do the dishes. You could do disposable if you need to. That would work for, like, the first week. What do you mean? You could do two weeks at least. Depends. on what kind of food it is.

Like a lot of stuff will rot by the end. So you're out for a month? Yeah. Fully. Okay. So even if the first half, you're saying you guys can't stop at a grocery store? That is also something that is difficult.

A lot of Walmarts don't allow truck parking and will tell you. Walmart's the only store. It exists. There are others, but a lot of them don't allow it. A lot of places they say that they don't allow it, like they'll put signs up. I'm going to say right now,

And what I need a lot of people out there to know that I'm listening to, anytime I say something, I'm not saying it's the easiest thing in the world. I'm not saying this is going to be you walk outside and it's just going to come to you. No, obviously you go to a place and figure it out through your research. You know the roads. You've been doing it. You know the stores. You go to a place where you can park. Even if you have to park at a gas station next to a Walmart for a second.

Those are rare, very, very rare. And we don't have like a dedicated route or anything like that. So all the places that we're going through, they're different every time. Okay, drop off the X. Drive around the block. Pick up the X. You're going to try to find an excuse for that one? He doesn't like to grocery shop.

I don't give a shit. Can he drop you off? If it were in the middle of the night when Walmart is closed, because that's when he drives. He drives nights, I drive days. Oh, oh, okay. He can't drive five minutes during the day. 10 minutes. Well, that would interfere with our DOT regulation.

Okay. Fair enough. I get that. There's still 24-hour places, though. They're more rare. There are 24-hour places still. Before the pandemic, you know, a lot of places were 24 hours. But even still, there still are 24-hour.

Again, I'm not saying you wouldn't go out to eat because it is a more difficult situation. Yeah. You will find yourself going out to eat, and I can, like, let's budget for that, right? Yeah. You're going out to eat every meal. Yeah. Basically, and you have a microwave. And you have the ability to cool things if you need to.

Yeah. Is there a fridge? There is, it's a mini fridge. Oh my fuck. I have a freezer though. So I can't have things that last longer than a week. I know you can stop places. Once a week I know you can make a stop.

Yes. Well, What's a f***? Week. Are you kidding me? I have done that before. And I will, I do. This is Euphoria Calvin Klein.

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I still eat out just because when you have a microwave food for all of your meals, it doesn't really feel like you're actually being sustained. What's the relationship like in the cockpit? In the cockpit, like with my co-driver. Oh yeah, your ex. It's hard to describe because we're, we get mad at each other sometimes. For what? The silliest stuff.

All right, you took that left turn a bit weird. there there were times when i wasn't waking up as early as i should be um like is it 12 off 12 on yeah okay um you sleep more than 12 hours well so sometimes not usually i don't usually get off work and then go straight to bed there's usually a time where i have to like brush my teeth clean up a bit you know, do my laundry and then like a little bit of phone time after I worked for 11 hours, you know, and then I go to bed after that. I'd get angry if the person showing up to work to relieve me for his limited free time also showed up late to work.

That doesn't seem unreasonable, does it? No. Okay. So what else? He's very rude. Go on. In all senses of the manner. Go on.

if something happens that was completely outside of my control there are things that are within my control but there are things that are sometimes also but how's he rude though i'm trying to understand your workplace situation basically telling me that everything is my fault and that i'm not going to get it right okay and i live up to his expectations i didn't used to be this way what way like i didn't used to have such a problem with finances you're blaming it on him no it's me I've just been really stressed out. Okay. I mean,

I'd be stressed if I was living with an axe, especially if it's a bad situation. Yeah. It's not like bad per se. He's like a good person, but he is very hard on me. Did you guys work together when you live together? Or when you, sorry,

did you guys work together when you were together? Yes. I mean, that's sketch in general. You kind of have a little bit of space. Yeah. And you're like literally cooped up. I desire space more than a lot. anything right now. And that's one of the reasons why I go to so many festivals and leave the

house so much. It's because I had an individual that was living at my apartment after my ex moved out. Okay. Well, how many rooms do you have? Two. Oh, okay. So they had a room? Yes, but they trashed the whole house. What? Why? Because they are an undiagnosed, like they have an undiagnosed mental disorder. Why do they live with you? Because I'm related to them and I wanted to help this individual out. Um, but I, he just got out to, or yesterday. I basically paid him to get out of my house. Yes.

So now that he's out of the house. Is this the, is that you're, you said that you're related to? Is this the family that you're going away from that you're running away from? Yeah. That you said. Like, yeah. Um, the house is just so trashed all the time. This individual literally boarded up the windows.

What the fuck? Yeah. And the house was always in such a mess. And when I would come home, I would spend like two days. just trying to clean it up to make it livable. Doesn't sound like someone safe to have in your house. Yeah, I got him out just yesterday. Yeah.

And so now I'm going to be going back. The reason I got him out actually is because there was, I'm having an inspection today. I get inspected like twice a year. Yeah. And if the place isn't up to code, like there's literally boards on the windows, I get evicted and I didn't want to be evicted. I don't want you to do. So I had to pay my mom.

and another person to come and clean the apartment in order for it not to be a total ruin and for me to get evicted from this place. Do you just destroy apartments and board up windows? You can apply to be on this show at Calebhammer.com. Applying, I'll tell you to stop it. Okay. Well, I'm glad at least you got that person out of there. It doesn't sound like the kind of person we'd want around our safety place.

Yeah, no. That's what you're running away from? At home, yeah. Like, if I'm at home... You didn't want to be at home, so you ran away from that, and you didn't want to be a work, so you run away from that. Okay, festival. But...

That's like a place... But again, you have this credit card debt that's a core win at 26.24% interest. What do you spend on these festivals? How often? Festivals aren't cheap. I go to the... Our Austin City Limits live once a year, and that ain't cheap. This year, two.

Last year... Well, that's not every weekend. Three... Slash four. Because one of them is... It's like three days, but it's indoor. It's still kind of like a festival, but it's not outdoors. Yeah, it's at the Tacoma Dome, so it's a really big venue in Tacoma.

What happens in there? You just live in there? No, I usually end up getting a hotel with friends, and we stay the night there, and then go to the show for three, four days. Okay. It's a great avoidance tactic for whenever I'm home. I'm sure. Is it a great money tactic? No.

No. but I love it still I would love to be able to budget so that I can still attend some but I do need to cut down Because last time you went To what like a festival festival festival?

Yeah that you're spending all this money on hundreds of thousands So I go to like raves too Which aren't quite the same as festivals festivals are like three How often is that? How often? Yeah how much does it cost? It can be about 70 bucks a ticket And then if you're going to be staying somewhere

Because I'm about a two-bar drive from Seattle. So that's a, I've tried to make that drive back home in the middle of the night and had to pull over and sleep because I get so tired. You know, they end at like 2 a.m. And then you have a 2.5 hour drive home. I love very different lives. Yeah.

I'm better at 11. The latest. I'm hoping that that will be my life now that this individual is out of my apartment. So you're stopping. You're stopping the rave. Every once in a, I love the music. Sure, sure, sure. Like love music.

Well, I'm not saying I even want you to stop what you're into. but you have death that you're not you can't pay off yeah you're adding more debt the i know this isn't very long but for the past week i haven't touched it at all okay i know that means nothing oh i'm gonna come on the show so let me stop for a week okay that that's nothing i know but i am ready to make a change when is the next time we're going to a festival or rave the next week okay see what the fuck are we doing then i bought those a while ago so it really doesn't matter What the fuck you've been doing this last week then? Does it?

This one though, this festival that I'm going to, I wouldn't miss for my entire life. What is it? It's, so I actually have a tattoo of their symbol. They're performing. Who, who? What symbol? The symbol of the festival? The symbol of the artist.

So their name's Odessa. And they're throwing. I know Odessa. Yeah. They're throwing a festival. It's called The Last Goodbye. Oh, wait. No, I know a town called Odessa.

This one's actually not spelled. same. It has a Z in it. I know what you're talking about because I've passed through that town before in the truck. Odessa like O-D-E-S-S-A. Odessa, the artist is O-D-E-S-Z-A. I know this song.

It's probably copyrighted, so mute them. Let's play some sick beats over that Brandon or Salah, but it says I've watched this before, so I must know of Odessa's existence. Yeah, they're my favorite. They've been the number one on Spotify for the past six years for me. Oh, for you. Okay. I was going to say.

Yeah. And they're throwing for three days and they're making a new installation that they haven't done for any of the other shows because they're from Seattle. So this is their home state. Okay. It's going to be incredible. How much are you spending? I think I spent. Life changing. Yeah. I've seen them twice before. It's almost a religious experience. It's incredible. I love the community. It sounds like a, it's a little different, but. that's what everyone wants to say when they're compared to a Swifty. Yeah. How much does it cost?

So the ticket was probably 350. That was actually on the cheaper end. That's like the GA kind of situation. And then I also had to pay for the camping. I'm going to be splitting that between three people. It was $200, so it's going to be about $70 a person. And they're also going to be paying for the gas because I'm going to be driving them. You know what else is life changing?

Spending $6,000 in a month, when you make $4. 4,500. Yeah. That's life ruining. Yeah. I do want to change that. And we're just going to go spend a thousand bucks on this. So I don't have...

I paid for this a long time ago. Yeah, but you're going to get food. You're doing the camping that you're splitting. I'm definitely going to be budgeting and we're going to be bringing like our own food. We're not going to be paying for the food in the festival. Yeah. Has everyone agreed on that? Yeah.

We've been talking about it. So that's different than your entire existence so far all of a sudden. Yeah, because it's recent, now I'm really trying to make a change, especially now that my life is starting to come together because I don't have this individual living in my space anymore. That's kind of the breakthrough points where I feel like I finally can be home and make my life better. Maybe you could also spend, get the balance of this next card down instead of doing things that are just, fun what do you think of like consolidation i wouldn't trust you did you see the spending on that last card that doesn't make any sense you're just going to build all the balances all the way back up you're going to consolidate your behavior's not going to change you just going to f*** up

i'm picking the cards off of my phone i've brought them here with me if you have a shredder i can shred that's great let's do that but uh one week i know that's nothing i so when it comes to getting my goals figured out and done i don't trust myself like until I figure out exactly what it is and I dedicate myself to it. When I was in school, I got my associates degree before I graduated high school because I dedicated myself to it and I have proven to myself that when I set myself on a goal, I will get there. I hope so.

Yeah. I just hadn't had the chance to set myself on it yet because there was so much other moving elements in my life. Okay. Well, we have this freedom. Freedom to be quiet. 7,826. This is interest-free right now.

Yes. Okay. When does the interest kick in? I believe it's December. Oh, it's the end of this year. You have to pay, you have to pay awful lot. I would like to consolidate it. Why?

Did we not just go over how that's bad? Even if you have goals, your behavior hasn't changed. You've done a week. Even still, you're going to a music festival. Trying to be a bit more mindful of things you buy. For you and your family? Well, when it comes to laundry, choose All Free Clear.

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No, using the cards. Two months. I don't know, man. That's pretty damn. The interest is pretty crazy on the other card. And I don't want it to get on to that card. No, I agree. You know what?

I agree. I would love you to consolidate. Yeah. But you don't trust me to be able to do it. I don't trust you to consolidate. Yeah. I don't know. I would love people to consolidate.

Look at this last month. You spent 6,000 hours. You brought him 4,500. You've been okay for a week. Yeah. That scares me. I know it needs to be longer. You're likely getting in a worse position.

Yeah, I don't want to do that, but that interest rate is crazy on the other card. And that one is going to be crazy too come December. It might be a bad idea. And you still had purchases on this. Some on WS dot, good to go. Is that tolls? Yeah. I probably just need to take the tolls off.

Yeah, take it off. It's on a credit card. Again, you can't manage it. You're not a credit card person. I'm sorry. You're not. If you anything, get a card like the FIS card that at least works for people like you. And that's okay.

It's okay not to be a credit card person. And again, maybe you can be. Maybe you can consolidate somebody. Just don't. One week, that gives me no confidence. Yeah. That gives me no confidence. Yeah.

And, and you're going to be out of this job for a bit. You have a $3,000 thing coming up. I don't want you to be like, oh, now there's some rules. amount of credit card because I consolidated. Let me pay the $3.000. You still have an answer. How are you going to pay for that? Because it's going through my insurance, I believe that my insurance will like pay it and then I pay my insurance and I can do payments to the insurance. So you're doing debt. Interest free debt. Debt. You're not paying for it. You're adding more to your minimum monthly payments. I can try and save up for it. This is your minimum monthly payments that you're stacking. I want to at least

save up for like the time that I am going to be off, you know? No, I agree. Do that. Do that. But when you're doing that, you're going to have less income in that situation. You're saving up to live off of that. I'm afraid you will then just spend on credit cards because that's what you've been doing. Yeah. So maybe wait until after the surgery to consolidate. If you consolidate, I don't know how much. Dude, I don't know.

I don't know if I trust you to. I mean, you were literally spending on this card. Either way, you have six months to pay an off until interest accrues. So you need to pay a real minimum of $1,319 on this month. Okay. To get it paid off before December. Mm-hmm. And then I have a minimum.

Normally $78 a month because they want that. So what I want to pay that one first are the one that's already occurring interest? We'll talk about that. Let's assess the entire situation first. Okay. Because we have a car next. 2024. Why do you even need this?

You're in a truck all the time. You don't drive? Except for one week. Yeah. Well, with festivals... It's an expensive situation. Yeah, with festivals, you can drive a 10,000 car to it. Well, I was involved in a car accident and I was... Sorry to hear that, but I don't say that means we get a 35,000-hour car.

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Oh, cars five years ago are all of a sudden the most dangerous things that have ever been creating the history of the world and everyone dies when they get in a car crash from cars five years ago? If I don't know their history, I'm not necessarily a car person. Like the last person that used the car. Okay, isn't that Carfax? I guess I could do that. Okay. Yeah. Yeah, there's used these solutions to when we bring up an excuse to do something that's 35,000 hours usually there's like answers to the excuses answers to the excuses well what do you think it's worth today because this is why it's bad probably not as much as I paid for it but I have gap insurance okay cool 30,000 24 24 welcome to cars you're serious you bought a new

car come on I didn't know it's going to be that much less that's how it works I do plan on running it into the ground as long as I didn't get I hope so because this is expensive pet or not upgrade. You're at a I'll have it paid off in 6.29% interest rate, which isn't the worst. Not good though, because you're barely beating the market, especially when you include depreciation,

you're certainly not. So we still want to pay off this. And look at this, a $623 minimum monthly payment. That's insane. That's a horrendous minimum wage payment. Just go into a car? That's disgusting.

What? I don't know. Yeah. It is gross. I do love that car. it's a car it's like the one nice thing that I have in my life but you can have so many nice things if you clear out your debt you have a fully funded emergency funding you have a little bit of retirement set up

and I know you have like a you know a few pennies set aside but it's I you could have so many nice things you're rushing into it though you're preventing yourself from yourself from having more nice things because you're getting yourself in a situation where you have incredibly Hyman hey you gave yourself a $623 minimum payment on this car when you need to put $1,319 towards the freedom card to pay it off in time.

You're making it harder. So I think that at that time I didn't have as high of credit card debt. Okay, then you did it worse. Then you did it even worse because you went into credit card debt even though you had a $623 minimum OTHPan under your car. So that's even worse.

You're preventing everything in my life. Hey, the nice things that you want, you're preventing yourself from getting. You are preventing yourself from getting Because you're just doing You just wanted the nice car right now at 23 Dude, you could have had a nice car of 26, 27 And it's been fine

I also didn't want to worry about it anymore Like I didn't want to worry about having to upkeep it Like you know, I agree I agree but even Actually I got like oil changes For the lifetime of the car That I have it It's gonna be like synthetic

Yeah but who knows that's worth it Who knows what you paid If it's like some for the lifetime of the car how often do people usually keep cars I know you say you're going to run it into the ground but life is yeah if somebody crashes into me or I crashes in well there's not even that life take turns sometimes you want a new car

like I know you say you don't right now but life is yeah okay well you know maybe that's not the absolute worst and again a lot of people just do their own oil changes yeah I don't have the space for that off of YouTube at my apartment I don't have the space to do that And also I already have just that week off after working an entire month at that point. I just... I spend more than $25 on oil changes. I had gotten the cheap oil change on my last car and they forgot to put oil back in it.

And I left. So I'm never doing that again. Well, that sounds like... They sounds special. It sounds like you went to a special place. It was difficult people. I probably shouldn't be working there. But that a extra $800 when you're so far under water, that does kind of scare me.

Again, I agree with the general concept. I don't want you putting a ton of money into the car. But again, when it comes to excuses and reasons why we got a $35,000 car, you know, we're going in, if we're getting like a 15,000-hour use car, we're going and getting it checked out by a mechanic, maybe two mechanics. If you're doing thorough research, making sure they look at everything, spend it a little bit of money just to have them be like, okay, you know, you might have to replace this in this amount of time. You know, it might not be safe for this reason, these kind of things.

And then you don't get it. Or they give you their seal of approval and you're like, okay, you know what? This is actually a smart purchase. Those are things you can do and you get to save yourself right there $20,000. Yeah. Whether it's a movie night or just midday, Skinny Pop is a salty snack that keeps on giving. Made with just three simple ingredients for an irresistibly delicious taste

and a large serving size that lasts. deliciously popped perfectly salted skinny pop popular for a reason shop skinny pop now there's a lot of extra work when well yes i feel like in a little extra effort saves you a 20,000 working and that's where my you get a week off goes to yeah but a full week instead of going to a rave maybe we went to one mechanic but if you worked for like an entire month would you want to spend that whole week off just want no no want No, kidding me? No. It's not about wants, though.

Yeah. This is literally your future. This is your existence. I'm a little confused why wants to precede the longevity of your financial health and life. It doesn't make sense. They shouldn't. Okay, well, there you go. You've answered your question, though.

Yeah. I mean, that's it. I don't want to be a heart ass. But, I mean, at the same time, it's like, don't make it. Don't make it to the point where I'm. If you're underwater on this car by $10,000, I don't think you're getting $500 a lot of time oil changes. Yeah.

I'm going to run it into the ground, but it doesn't. Yeah, if I pay it off in six years and I keep it for 20, that's 14 years that I'm not paying for a car that's reliable and also keeps me sick. I don't know. I might borrow $10,000 to sell it, pay off the loan. Orrown an additional $10,000.

and then get a $10,000 car. That might be what I'm doing. But I'm a get out of debt kind of person, a bad debt kind of person. I also want to get out. Oh, there's a solution. And what you did is not. Yeah.

Okay. Amazon. Do you pay this card off every month? Yeah. Yeah, that's what I thought. Cancel that one. Good job. That's a demonstration of a potential future credit card card person.

I used to do that until I was trying to escape. But I'm now in therapy. to try and teach myself coping mechanisms. So that way, if life, when life gets worse again, it always does and it always will, that I'm not trying to run away from my situation. I feel like that's been the theme of my life recently is I need to stop running

because every time I do, I screw myself over worse. But I hear that and I empathize with that. What helps you, though? And that situation is having an aesthetic of like, an emergency fund. If you had to run away from your apartment right now because that person was messing with it, but you just couldn't get them out.

You could stay in a hotel for a week with, you know, if we have some, if what we did was properly budget, properly manage our finances, not have to just rely on debt. You could have put yourself up somewhere and we could have, you know, well, maybe you're working with authorities

or mental health services or something. You know, that gives you the opportunity. That gives you the safety. It's a safety net for a reason. That gives you the safety. I don't want you to always have to be running. I don't know. You're putting yourself in a risky position

because we're deciding, every second of our life get a car that is way too much for your situation yeah i don't know i i i think those are i don't think they're immature child's behaviors like many people on the show but i still think they're ignorant decisions and kind of you're really i don't know i still you're putting yourself in a bad position you're kind of your future i know you're fucking your presence and i had such high hopes for my future too yeah but you say something well i mean come on you're 23 there's a lot of future to have. Like we can talk about how to turn this around. We will. So I mean, I'm just disappointed because I'm usually not this kind of person. Well, what's usually? You've been, you've been an adult

for only four years, five years. So I feel like I've grown up really fast as a kid. Okay. I know a lot of people say that, but I was able to get a lot of things done that like I actually broke the history of my school. There had only been one other person who had gotten their associate's degree before they'd graduated high school. And that was my, precursor to what I thought the rest of my life was going to be like. Then how do we end up where we are? Running away from things that I need to solve. Okay, what, then?

Give us some actual thing. I've heard this run a lot. Give us some, like, actual substance behind this thing. Okay. Running from, like, both emotions and physical things. Like, before this individual lived at my apartment, I lived there with my ex. And it was kind of a loveless relationship. Like he was always playing video games.

And I know that I could have been there, but it just reminded me so much of the failure of the relationship. What? You being there? Yeah. Okay. Okay. Sorry.

That's okay. There's tissues right there if you need them. So I would just go to festivals to distract myself from it. I literally don't even know I'm crying right now. I'm literally over this. And so we like live together. And so I would run away from it and eventually he moved out. But you were both running away.

It sounds like he runs away internally, but then you run away. I don't know. Like I don't want to put the blame on him or you or anyone. Because I was not a fucking out. But I mean, it sounds like you both were doing, like running away from each other. Sort of, yeah. But I did it in a financially irresponsible way. and he did it in a way that didn't cost money.

Oh, trust me. I've seen gamers below money. Yeah, he's very fiscally responsible. And I aspire to be a little bit more like him when it comes to finances. Okay. So that's your running away? That was the beginning of it. Yeah, because that's when I started to get into debt, was when I started going to festivals.

That's when I got used to spending money on credit cards in the first place, was because I would see this festival coming up and I'm like, oh, you know, it doesn't help that I also love. them you know it's a passion of mine I love music it lights me up inside but that combined with the fact that I also didn't want to be home so those two things together I would buy festival tickets before I had the money for them and that got me used to spending money that I didn't have and then after he moved out this individual moved in and trashed my place for like six months I would always

ask him to just clean up after himself. It's not that big of a deal, you know? And every time I would come home and it would be even worse. And I left it. I started taking pictures of how I would leave the place. So that when I come back and home, not just crazy, you know, it's like horrible. Six months. Why don't you try to get him out quicker?

It's been a long process because this individual is 19 years old. And they have a mental disorder that is strong. No. Okay. Yeah. Yeah, I didn't really know what to do with this individual, and I felt like his last straw was to be with me. What do they live now? They're going back to Minnesota with another individual that I know.

In their car, probably going to be on my grandparents' farm in the car. On the car? In the car? On the property? They're going to live in the car on the property. Mm-hmm. What the fuck? Okay.

Yeah, that's one of the reasons why it was hard to get it figured out because it's like, I know the position that you're in and it sucks. You can't live in a dangerous place. Yeah. No matter what. And it got to that point now. There were a few misunderstandings and I needed him to be out by the time I was going to be inspected so I didn't get evicted.

So I reached my breaking point and yesterday I was like, you need to get out. Please get out of my house so I can come back and not be evicted because my stuff, if I get evicted and my stuff gets thrown out and I'm working, all my stuff is gone, you know, and I can't make it back there in time to grab it. Okay. Yeah, it's been a tough situation, but I should have handled it better.

Well, I mean, that's where you were. That's where you were. You ran. Are you still running, though? Because we're going to this concert next week. That's my concern. I wouldn't miss it for the world. I know, but a week is nothing in anything.

A week is nothing in dieting. week is nothing of financial budgeting. A week is nothing. I don't know. I empathize with what you're saying in the past. It does not change my fear for your future, unfortunately. Yeah, I need to learn to stop running. This festival that I'm going to, though, it almost wouldn't have mattered what position that I was in. I seriously wouldn't, I wouldn't have missed it for anything. I would have found any way to go. I don't even know what to say about that, though. I can't combat that. I don't know. You're choosing that over your life. That's more important to you than your actual life. Experiences are important. There's going to be a lot of experiences you can have. You can't pay off

these credit cards. Like $1,319 to your required minimum fee payment on that freedom card to get to a place. And what you want to do to get out of this is consolidate, which is not going to be what saves you. Now with your spending habits One week is not going to do it Are these your medical debts? Yes So you owe to a total of $599? $599, like $599?

It's hard to say because Some of this stuff you pay it through the app But Well it says total load is $599 And I know that there is something on there that's like $2,000 That's from the car accident and I'm still At the end It says total load is $599

That's weird Because there is something that should be on there That was 2000 Yeah, this is just And it was also on the negative healthcare Oh, that's another one. There's two. Okay. Yeah.

It looks like you owe $599 for this medical one. I assume you're not on a payment plan yet. I am for one of them. Which one? The expensive one? Yes. Okay. It's about $2.23 a month.

Well, the, okay, this is going to be solved once I get done with my attorney, like it's still ongoing. The case is ongoing and it's going to be covered. Car accident. Oh. I got hit. So.

But I mean, you're assuming you're going to win. Legal systems? I know it was from the get-go. They admitted at fault. You have that in writing and video and audio. Yes. It's on the police report. Okay.

Yes. They admitted fault. So it is going to be covered 100%. There was a disabled individual. in the vehicle of the car. So why did you get on a minimumity payment then if it's going to be covered? Because it's not going to be covered until they're done with the case. They're still gathering their like any kind of medical expenses that I have.

Because I was truck driving at the time, there were a few hospitals that I went to that were out of state that I'm having issues finding which ones they were. I don't know what their names were. They haven't sent me emails. They haven't sent me anything in the mail. So I'm having a hard time finding. those claims. But at this point, I'm actually curious what you would do. Because like, if I don't

get this figured out, I'm going to have to pay off all of this medical debt up until the point that they do it. Would you let it go to collections, the thing that you can't find? Or would you just? Well, that's going to f*** your credit. I don't think you're in a position where you want your credit to be. Could you dispute it? Because I don't know where it is. I've looked everywhere. I've looked in my email. I've looked in my mailbox. What does your lawyer I recommend? They say to find I kind of is there anywhere online you can request oh I if I knew the name of the place that I went to I don't even know the route that I was on I know the state of one of the places that I went to there were two hospitals oh fuck me yeah that's difficult yeah I had given them my information

too and I had given them um healthcare and they didn't they didn't charge it would your truck could company be able to give you a location if you know the date? It's possible. I know that I think that they delete everything after like six months. Okay, well, contact them. At least see there. There's a place to start. Okay.

Yeah. And I do remember that I think one of the hospitals was somewhat off route. See where you're swiping your card around that date? Just get a general idea. Okay. Start making some calls. I don't know. I mean, I feel like you've got to do a little bit of work.

Yeah. I have been looking at going through all of my two different email accounts to see if any of them showed up checking my mail. You haven't gone through your email? No, I have. I've checked both of them and looked at the dates that they were up to a month before and after. And there's nothing from either of them. And that's really the thing that's holding us back. You don't have history of your routing?

Up until six months. they deleted after six months, I believe. What about like Google Maps? Do you use that at all? Mm-mm. We have our own system. Because Google Maps will put you under a bridge. If you know a city you were in via purchases,

and we know you purchased like multiple times a day. Yeah. Come on. I mean, we should be able to at least call the hospitals in that town. Okay. Right? That's basic. Yeah.

I don't think that I, maybe I bought stuff in like surrounding towns. Sure. I wrote a little song to remind. you choice hotels get you more of the experiences you value the can be a hotel's got it all a rooftop ball have a ball bring a date your squad or even your mom book direct at choiceotails com whenever i went to the hospital i hadn't bought anything in that town are you sure because you go out to eat three times a day i don't know yeah is that all you're up um i think i think so yeah the two credit cards and the medical debt and the car.

Forty two hours and what is this. So as savings and then, yeah. And then in the checking account, 1,511. Here we go again. This doesn't make sense, dude. Spending so much money. And the music festival thing,

it's not the biggest opposition thing in the world because if it's a once in a lifetime, well, you've already seen them twice. So what the fuck? Actually, never mind. It's their finale. Yeah, for now. For at least the next six years if they're not retiring.

But let's pretend that's okay. Even there, with all this debt you have to pay off, again, you're going to Wendy's. You are getting TikTok shop, McDonald's, Dickie's Barbecue, Dunkin' Donuts, going inside, getting some BS, Old West Trading, crazy rock, curiosity stream, and I like it but you just can't afford it

going inside getting some BS wait what is this you got paid oh no what is this Amazon $250 what did you get What did you get? Might have been festival equipment for camping See I told you you're spending like a thousand bucks

On this total At least I've finished buying things for the festivals That doesn't matter You're not paying on your debt I don't give a when you paid for it. Yeah. You're not paying you. Venmo, Venmo, Venmo, Nintendo.

McDonald's, Spotify, going inside, getting some BS, Starbucks, Erica's Cafe. McDonald's, Popeye's going and get in some BS. Two door sin, whatever. Going outside, get in some BS, Carl's Jr. Asian Fusion, Starbucks, MetaPay, Meta Pay, Sending out's through MetaPay, $150. Oh, more Metapey. $80. That time.

Starbucks, Starbucks. Something, Kent Station, something, and more MataPay, Willie Smoke, Starbucks, Domino's, Mata Pay, 20 bucks. Are these Facebook games? No, that's probably with my co-driver. Sometimes if one of us buys something, then the-

Your ex. Yeah, like if we're both eating food and one of us buys it, then the other one pays the other person. Going in getting some BS, going and getting some BS, Going in and getting some BS. Starbucks. Going in getting some BS. Going in getting to BS.

Going in getting some BS. McDonald's. Going in getting some BS. Yeah, we know you can f*** up places. You do it every second of your life. Big flavor. Starbucks. Medipay.

Starbucks. Your spending's insanity. And you're spiling about it, but your spending's insanity. Insanity. Yeah. Oh, the fuck the Starbucks. Okay, fine. Maybe the meal.

Let's excuse the meals for a second. The amount of times you stop for coffee and coffee. drinks like you have debt. And you think that something bad is going to happen, meaning you have to run again. But instead of setting yourself up for that, you're putting yourself in a bigger hole that's going to prevent you from even being able to run in the future. Yeah. I think a lot of it is the spending on food that I know.

No. What do you mean? That's what I just went through. Yeah. I guess when I say festivals and stuff, that's what kind of got me into spending. What are you going to see festivals on here? I'm not talking about festivals. I'm talking about your spending.

Most of it is the spending on food now. Yes, I know. What are you saying? What are you trying to tell me? Work on not eating out so much. Yes. Yes, you do. What are you going to do in order to do that?

What's going to actually change? I need to work. That means nothing. That means, guys, guys, guys, guys, guys, guys, guys, guys, guys, guys, guys, guys, guys, guys, guys, guys, guys, I need to work on working out more. Boom, did I just solve it? Did I just solve that I'm going to be working? No, what are you, what are you going to do? I am going to go to Walmart Weekly.

Oh, I thought you said you can't. I'm going to trip plan. Oh, so all of a sudden it's possible. Not that we're not making excuses. Every now and again, it is. There are some places that don't allow it, but. if I look ahead of time and I know where I'm going. Oh, so if we take a little bit of effort.

Okay. Yeah. Sure. Yes. Look ahead of time. Stop at the Walmart. Also got to make sure that we can make it to the Walmart before it closes. But yeah, going to Walmart and buying food there and not buying eating out.

Good. It is a much. So start. What are you going to get at Walmart? For the past week, I have been doing that. But I know the week is nothing to me. Don't bring it up again. That annoys me.

Okay. A week is nothing. Week is nothing. A week is nothing. I'm sorry. Yeah. I've done attempted a diet for many week. And then, you know, you fall off.

And then you fall back in. But I've been doing it for like a salad almost like three weeks now. Now I can kind of say I'm like on a diet because I've done pretty well. Yeah. Okay. You know, down some decent poundage. I should wait tomorrow and see where we're at. Though I think I might be getting pizza later.

Beside the point. You know. Listen, it's debate night. and on. Oh, is this excuses? It's, listen, it is. It is. I get two days.

You're going to tell me no excuses. You go to four music festivals a year. I get two days every four years, okay? Two days every four years you're eating pizza. You're telling me that's the only time you eat pizza. Two days every four years, I get to nom and watch two old men that can barely stand up, yell at each other. Okay, well, once and possibly a lifetime, I get to see my favorite. artists performed three days in a row.

Once and a possibly last time. You've seen them twice. Three days in a row. And they're also doing an incredible setup that they haven't done ever before. Could be the last time that they ever performed. Yeah. And then you'll find the next artist. That'll be the last time because you went to four concerts.

They were by number one on Spotify for the past six years. I really don't care. That's not what was killing you. I know. That's just what got me into it. That's what got me. Into getting food? Into using money that wasn't mine, getting used to it.

What happens if you don't get this job? I will apply for another one. I'm not quitting a job until I have another one lined up. So you're not miserable? Right now? Yeah. It's not comfortable. How often are you applying for jobs?

I haven't been applying for them yet because it's too early. My surgery... Once the surgery? October or November. We don't have a date quite... I might go to my orthodontist. They're probably going to set it. Gosh.

See, and you do all this while that's... coming up to that's another thing that's it's scary and then you're going to go into debt to them you already said 3,000 bucks unless i can get some real shudder before then well yeah that's what this conversation's about but you haven't so i i haven't shown it previously but i'm taking accountability by embarrassing myself okay three thousand hours in a house savings account happy to see that 12 000 bucks in a 4 o 4 o 1k hey right there surgery paid for Oh, that's what you're going to use? My HSA, possibly.

Yeah, if I don't... Yeah, sure, do it. Because it is tax-free. Why didn't you say that before? I forgot that I had an HSA. Oh, okay. Well, I didn't know. Yeah.

I have two HSAs, actually. Well, no, not two. They just... I transfer one from one to another account so I can actually invest it. I thought it was going to be a big thing we were going to have to solve, but you just made my day easier.

$12,000 in a 401k. Okay There's actually a great A great start for your age Okay I think that a 401K We have like a match So what's weird is you show

Some behavior things That are actually kind of good That many people on the show don't But then you also show some of the worst Spending for your situation And a really dumb car purchase Compared to a lot of people as well Your polar opposites on so many things

Like you have some good decision good sacrifice, good maturity, and then someone's just the worst. It's very confusing. Yeah. Which means I don't know which direction you're going to go in. Which one's going to pull the other one? This is kind of the deciding point.

I don't know. So I think a lot of the mature things that you've been doing, like the HSA and the 401K, a lot of those are automatic. So you don't have to think about them. Those are autopilot. But the things that you have to make daily choices on, they're over here.

and your daily choices are bad and immature and irresponsible. So I think when you're actually going in to make a decision, you don't make the right decisions. But if you're able to put things on autopilot, that's when you do okay. If I'm able to think about it for a certain amount of time ahead of time, then I will usually make the right decision. If it comes up right away,

then I will probably make the wrong decision. It's whether or not my thoughts can intervene. So like with the HSA and the 401K, those are things that I thought about and I decided to do. Maybe I just need to make it, more automatic that I make the right choices, like only allowing a certain amount in an account that is my spending account or something. We are basically halfway through the year, and I need to make sure you guys are saving your money in the right place. In my resources section in the description

below, you can sign up for one of the best high-yield savings accounts there are, but you can also get $300 for free with qualifying deposits. You can also get FDIC insurance up to $2 million on your money and get 4.6% on the money that's just sitting there. It's exactly where I put my money. Why let your money lose money when it could be making money? It's the biggest no-brainer in the world. Open up a SOFi high-yield savings account now and get that $300 for free.

So right now, your unknown shopping is $2,000. That's usually Amazon Walmart crap. Let me look. Yeah, it was Walmart. Jeez, what the, what the fuck? Because I know it's not groceries. You spent $1,373 at Walmart and $654 Amazon. What the fuck am you getting?

It's like half your paycheck. Okay, so this, this successful thing is starting to get to like $2,000 now, minimum. And you made it sound like it wouldn't even get beyond $700 earlier. So like, I don't know what the fuck you're talking about, dude. And future reference, now it won't because I have all of them. You mean more spending. it won't cost an additional 700. If I ever budget again for a festival.

You're not going to be doing that for a while. Yeah. That's an insane amount of money. That's where your extra thing. You're misleading is bullshit. Stopping in and just getting some extra crap. 10.5% you're spending. And again, your spending is already $1,500 over what you earn.

So that's already horrendous. 15% went going out to eat. 2% with the phone. What's your phone payment? Verizon 157, how much? Or what is it? What are you doing? Is it financed?

Well, it's paid off now, but I have a watch, which I set down. And then I have an iPad as well. Oh, and they're financed? Yeah. I think that they're interest-free. But I've just decided to shut off my Wi-Fi. And get its coverage on helium for $20 a month. Because that's ridiculous.

This is insane. Yeah. It also includes, like, my hotspot and stuff. And I'm getting rid of my Wi-Fi because the other individual that lived with me, they were the only one that needed it. Oh my gosh. Okay. So they'll take in like $80. This is ballooned. Let's see if this book didn't even work.

So, okay, $4,500 comes in. What's your rent? 960. Yeah, that's not bad. And total utilities? With just me not being there, probably like $40. Internet? I'm getting rid of it.

I don't need it. Oh, okay. Gas, room, room, drive, drive? Variable. Yes, give me a month of the average. A hundred bucks? Car insurance? I believe 200.

This car is costing you so much money. It's crazy. I paid every six months and it was like $1,200, so. I have to budget in getting, you're getting out of this. Your minimum monthly debt payments, including the medical payment, which hopefully we get rid of soon. It is $1,105. Your phone total was what again? It was insane.

I think now it's $16. because they just jacked their prices. Yeah, you need a switch. I do want to switch. Keep you find anything else you need to survive, $100, groceries. You're going to make it a little more expensive because you're going to have to get some more pre-prepared things in order to prepare them on the road, and that's okay.

$400. Anything else I need to put in your budget that's not there? Savings? No. No? You're paying off that, dude. Like an emergency fund? Well, we'll get there.

Okay. We're going to talk about the process, but. Okay, so I mean, right now it's your spending right now. your stupid festival choices because you have so much left over, so much left over. Right now you have 2,535 left over on a monthly basis. Well done.

Oh, wait, nope, that's a lie. 965 because I didn't include the debt minimum monthly payments. Sorry. Sorry. But still, 900. That's pretty good. But you know what? You can't actually make the full minimum payment

that you need for the freedom in order to pay it off that free anymore. you can't do it so that's gonna get there so then the other ones at a high interest rate anyway oh consolidation though it can help you save interest I'm afraid of the Gits that'll open for you yeah when I put my mind to something I do it

my problem is that I don't often put my mind to something yeah and I honestly no offense I can't trust that I don't know yeah so I'm not gonna make a path based on that okay I mean two months I'd save up a one month emergency fund, minimum monthly payments on everything. Can't really pick up more hours or more jobs. It takes eight and a half months to pay off the Discover card. Freedom card will be obviously accruing interest within those last two months.

But if that saves you more money over the long run but not getting into more debt, might be worth it. I mean, I'm excited to see your follow up and see what you end up doing. So eight and a half months for that, then you get a little more that you get to throw towards the other one for a minimum monthly payments call it 7-1-0-7. Okay. Okay, so it takes 17 months

to get a one-month emergency fund, pay off the discovery, and pay off the freedom. Then your car is also just kind of gross and insane. So at that point... I believe that's at like six years to pay that off. Great. At this point, you'd probably have about 1,250 left over on a monthly basis,

assuming no pay increases, then the car still takes two and a half years to pay off. your income's not bad is the thing you've just allowed yourself to get into more debt with your spending it's your immaturity and your choices and just thinking you can kick down the can and you wanted to get a nice car it's the nice thing in my life well now this nice thing in your life

is preventing you from getting out of bad debt for four years or so like and that doesn't make sense and then an only thing can you get a fully funded emergency fund and that you're 27 at that time you need the low jaw surgery yeah which hopefully the hSA covers but you you say it's also i'm more worried about like yeah kind of worried about like not being able to work during that time because i've done like the pTO and the pTO doesn't pay as much as we make when we drive so it's

going to be less at least to learn how to do at least okay Following the budget is going to be the most important thing. Having any money left over is going to get you there. So definitely go through the budgeting class. You can take it while your ex is driving the car. Okay. Take the budgeting class. Take the quizzes.

Also take the investing class because it looks like you're getting into investing so we can at least help you determine what kind of investor you are. I would love to get into real estate. Plus you get an extra, well, that's not a part of your conversation. Just yet. That's okay. Yeah. Not right now.

Eventually. And you'll get an extra $100 in cash gifts from me. that Moomu gave to me for you, which was really cool. So take those, but I'm just trying to figure out how to get out of debt quicker. And it's a little hard because in your current job, it's not like you can do much more. Yeah. Once I get to the next job, then I can do. Yeah, but you're assuming you're getting that job.

Yeah, it's been out there for a while. I've been keeping an eye on it. So it seems like they need people. And I have experience in both areas. Yeah, I mean, get that job. What will your take home be at that point? With that job? it depends on how much

overtime I'm allowed to do I haven't calculated what it would be on like a month to month basis or in a year but $40 an hour 60 for overtime I don't have a calculator on me Well those are the methods I would pay off the debts If you can prove yourself that you can consolidate maybe But it still scares me

Yeah Any other certifications you can take to get your income up I already have my hazmat doubles, triples. So my CDL, are you talking about for like the CDL?

I don't know. Anything in the truck and world? I don't know. The truck and world. I focus more on like the, I'm from tech, so I like the tech

certifications to course careers. Yeah. But I don't know. But the trucking, I don't really know that one. Yeah. It would be hazmat,

doubles, triples. I already have all of the certifications. Okay. Then obviously for you, you already want a new job anyway. Obviously,

I would just maximize that income. What you have to do is you have to budget. you have to stop the bullshit. No more excuses to go to the next concert, the next concert, the next concert, the next concert. You need to buckle down, your budget. Everything needs to go paying off this debt.

Or dude, you're going to be in your debt in your 30s, in your early 40s even. Yeah, I don't want that. Well, right now it shows that you do, no offense. So you need to change that now. We'll do a fall off in like three to six months and I hope you prove everything that you said that like when I set my mind to I'll do it.

I want to believe that. I do not know you. I cannot make any adjustments off of that. You say that I've been doing. well for a week. Great. I can't do anything with that. Let's do a fall off in three to six months. Okay. Prove to me that you've done those things and that you're starting to make progress. You won't be anywhere close to Audetat by then because you won't, you may not even had your surgery until then. Yeah. So, prove that I'm not going to be touching the credit cards

at all anymore. No, you need to obliterate them and burn them and have a ritual and something and something crazy and I have them here with me. We can burn them if you want to. We have scissors. Should we cut them? Yeah. Sure. Yeah. We'll cut them in the potion. We'll celebrate in the post show. Okay. Since we're wrapping up here. I'll get you your Hammer Financial score. We'll cut up.

And then I know as, I gave Noah a bunch of weird, no, just old pictures of myself. I think he wants to really embarrass me in the post show. So that should be fun. Or maybe it's going to be cute. Oh, nostalgia. I don't trust him. What changed? Yeah, I was hot.

I was hot. Well, the metabolism and dieting and Becoming an adult. Yeah. So spending in a budget, well, you spend $1,500 more than you brought in, which again, I guess is being concerned. You've got to prove it in the follow-up. Zero out of 10.

Debt. That car situation is going to bring it down for you and not being able to pay off the freedom before it hits. So it's going to be low. Two out of 10. Emergency fund. There was nothing in savings. So zero out of 10.

But retirement for your age, I'm actually quite okay. Okay with it a solid seven out of ten real estate zero out of ten retirement's definitely going to boost you up Or than you think you thought you were at a One one but you're gonna be at a two out of ten make sure to check out of the resources linked in the description below is there what I use or would use in specific situations including the best budgeting and Investing programs in the history of the internet now click the link below and come watch the post show today on the financial audit post show we're gonna cut her credit cards up Let's do that. We got scissors. Also, fuck those cards.

Fuck those cards. Oh, yeah you do. Well done. Thank you. I was making, you know, 30,000 bucks a year. Sales made much more money, so I was like, you know what? I'm going to sell out. The Caleb Maymer story.

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