Financial Audit - Financial Audit: 90-Day Fiancé

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Starting point is 00:01:04 Yeah, I mean, I know 90-day fiancé. What's different here? I mean, there's nothing really different about it. So, just fully mail-ordered bride. Well, I guess I did pay a dowry. I met a girl from Brazil. I met a girl from Turkey. Yeah, I think they want to come here.

Starting point is 00:01:17 That's kind of what my message said. Oh, what did it say? Would you like to come move to America with me? It's getting a lonely in my apartment with my cat. Oh, no! Download my budgeting app today. and take control of your money once and for all. And for a limited time only,

Starting point is 00:01:32 sign up for the annual version of premium and get my cookbook and notebooks signed and mailed directly to you. Link in the description and pin comment below. Hi, this is Jedediah. I'm 36. I'm from near Colorado Springs, Colorado. And this is financial audit.

Starting point is 00:01:49 Thanks for coming over to Austin, man. Glad to be here. Glad to be here. I don't think you're allowed to wear that. Oh, I sure am. I mean, I can't believe you'd even say anything like that. that, you know. Is this cultural appropriation comment? I don't know. I just feel like the internet is telling me that the internet is already telling you? Yeah. Oh, well, no. What are we doing? So I bought it. They told me to buy it.

Starting point is 00:02:14 Oh, they told me to buy it. And yeah, so I think it's okay. I mean, I was requested to buy it for an engagement ceremony. So who's who are you going to? Mine. You're buying it for your engagement ceremony. Yeah. but you're wearing it out in public. Well, yeah, because I thought it would be funny, you know? Like, you know, I... You hear that, whatever culture this is? No, no, I thought, well...

Starting point is 00:02:37 No, I'm kidding. I don't give a fuck. Trust me. I was pretty sure we're going to lead with a cultural appropriation comment. So I called it. I called it. The internet. I don't give a fuck anyone does.

Starting point is 00:02:48 But, okay. So, you're engaged. Yeah. Or you're getting engaged? Yeah, just got engaged. Just got engaged. Let's see. Is that the culture of the person you're getting an engaged?

Starting point is 00:02:58 engaged too. Yeah, it's, and then the colors are their native town and tribe. So like each, each area in the country has like a different colors. What is it? What country? Well, it's, the country is Cameroon and the region is Baminda. Is that like her roots or is she like there right now? Yeah, well, both. Yeah, she's, well, she's in Cameroon still, but she's in the big city. And she's What's happening? Two weeks in a row of like a 90-day fiancé African version. Yeah, I guess talk to Lindsay. Yeah, this is interesting. This is a double-dipper. What are we doing? I mean, okay. What did you even find her on? Okay, Cupid. Were you like in Africa on the maps? No, no. Okay, so they had a passport mode. And so, okay, okay, Cupid's like a less popular one. You know, right now. Hinge is like the big thing.

Starting point is 00:03:59 then Tinder and Bumble have been around for a while, right? So I wasn't like, I'd kind of gone through those already. I was just like, what's going on in OKCupid? You know, I haven't heard about that in a while. Sure. And so instantly, you know, I did a few swipes and instantly I was suddenly in Denver, you know, so I was out of the locals, like in, you know, like 10. So let's jump to Cameroon.

Starting point is 00:04:21 Well, they have passport mode. Right. So then there's states surrounding Colorado, but sure. Yeah, okay. So then I did passport mode. And so, yeah, I was just messaging girls from, like, kind of everywhere. Not just camera around. Did you, like, did you, like, drop your little passport mode in the middle of Africa?

Starting point is 00:04:41 Just like, no, you know, I don't think their passport mode work like that from what I remember. I mean, I could be totally wrong. I think it was just showing me girls from all sorts of different places. Has she always lived there? Yeah, she's always lived there. So, like, I met a girl from Brazil. I met a girl from Turkey. I met a girl from Nigeria.

Starting point is 00:04:59 So you know you would be on TLC, right? Well, no. What's different here? What do you mean? Why would I be on TLC? What's different here than the traditional 90-day fiancé story? Do you know 90-day fiancé? Yeah, I mean, I know 90-day fiancé.

Starting point is 00:05:19 What's different here? What do you mean? What's different about it? What's different about your situation than 90-day fiancé? I mean, there's nothing really different about it. So just fully mail-ordered bride. Well, it's not, I didn't, well, I guess I did pay a dowry, but yeah. We talked about that one too.

Starting point is 00:05:39 But yeah, no, so, okay. It's like just like a white dude like pays, pays the family tribe some money and then they get to marry their daughter, bring them over. Kind of. Yeah, I mean, that's kind of how the dowry works. Yeah, so, yeah, I was messaging different girls there. And so I wrote a message and I kind of had like pretty much 100% response. from it. Yeah, I think they want to come here. Yeah, that's kind of what my message said, too. It was like, oh, what did it say? It was like, let me see. What did it say, guys? It said, like, hey, like, nice to meet you.

Starting point is 00:06:16 Would you like to come move to America with me? Like, opening message? Like, yeah, like, let's see, would you like to move to America with me? It's getting a lonely in my apartment with my cat. Oh, no. Would just me and my cat? Oh no. But hey look, like, I think it was the right thing to say because, like I said. I guess you were being honest. Well, yeah, I got a 100% response rate. Like when you go-

Starting point is 00:06:40 And they all said yes? Yeah, well, it started a conversation. How did you select the Nigerian princess versus- She's a Cameroonian. Oh, Cameroonian. I think the other one was Nigeria. How do you do, how do you select this one versus the Brazil, the Russia, this? Well, she was the one like I got along with the best and I thought she was very

Starting point is 00:07:01 beautiful, obviously. Have you met? Oh, yeah, we have now. Yeah, that's why I got all the clothes. You went there? So you only met once? So it was like the before the 90 days series? Yeah, basically.

Starting point is 00:07:13 Well, to start the process, you have to meet in person once. So, like, you're not allowed to do the immigration forms until you've met in person. So, like, we had to meet in person. Like, we've been talking for two years. Two years, no meeting. Yeah, well, it was hard. How long are you in Cameroon? Oh, two weeks.

Starting point is 00:07:29 maximum vacation time. Two weeks in we're closing to town. We're giving money to the village. Well, yeah, but I've been talking to her for two years. And, like, you know, we kind of decided like, so there's more backstory. It's because I dated the Brazilian girl first

Starting point is 00:07:43 because she was able to come to the U.S. Like, because Brazil's, like, on the approved countries list, right? So they can just get a travel visa and come over. So she came over and she... Wait, who did? A Brazil? A Brazilian... So one other prospect came.

Starting point is 00:07:57 One other 90-day fiancé prospect? Yeah, another 90 day for a prospect came. So, you know, that went like good and bad, but mostly probably bad in the end. You know, I guess we just didn't get along. Do you have something for someone that like an international kink or something? Like, is there, it's not, it's not a bad thing. I'm not, but the fact that the only people you were talking to is international was like, did you have a hard time dating nationally?

Starting point is 00:08:26 Well, well, sort of. right like that's what I was saying like when I'd go on like Tinder and like yeah but you get to get someone in Florida right well yeah well I guess the quality was higher the quality was higher yeah okay so it's like you know

Starting point is 00:08:43 so accent ding ding ding well no it's just like they're they're nicer prettier like you know smarter you know like but aren't you not afraid that wait why did the Brazilian one not work out sorry we will get to the finances this is very interesting because she's a fiery Brazilian

Starting point is 00:08:59 You know, and she... You guys fought? Yeah, a little bit. What'd you fight over? Well, just all sorts of stuff, honestly. But, like, so she would drink a lot, you know, like a little bit finances. Because, so she was here and she was staying with me and, you know, I'd be like, hey, she was like, I would let her borrow my car, right? And then so she would, like, need to get gas.

Starting point is 00:09:23 And I was like, oh, hey, just come with me to Costco. I need to get gas too. And she's like, get really mad, like, that we could. couldn't just go to this other slightly closer gas station. And then, you know, I'd be like, oh, hey, maybe, you know, shouldn't, like, spend so much of your money, like, on beer. Like, you know, like, your percentage of money you're spending on beer is, like, pretty high. So, like, she got kind of mad about that. And then there's just, like, all sorts of stuff, like the air conditioning, you know.

Starting point is 00:09:53 How much did you pay to the tribe? $1,000. A thousand? Yeah. I mean, pretty decent price. You bought her for $1,000. I mean, it's like, well, I don't know if I want to use that language for that continent, but.

Starting point is 00:10:05 Yeah. Well, yeah, I mean, it's a dowry. It's the tradition. If you look up Cameroon Bride Price, it's like a thing. And like actually on 90 day, and on 90-day fiancee, right? Like they had a Cameroonian on there, but it was a guy. So then. Did you watch that shows the tutorial?

Starting point is 00:10:24 Yeah, actually, when I was going over there, because it was a guy from Cameroon. So I just wanted to see what was going on. But yeah, so then the American girl, like, had to be bought. And then her parents were just like, what, you're buying our daughter? Yeah, so definitely a thing. How does it feel? And I know that, again, this apparently, like, this is a big part of the finance.

Starting point is 00:10:48 This is this international thing bringing her over. So, like, I get it. This is the big part of the financial audit. And we're talking about it right now. but are you what's your thoughts on the fact that all those women including the one that will be coming and the one that has come literally agree to that first message about just using you to come to the United States. Oh, well, I wouldn't say that there was more like your opening message was do you want to come to the United States? Yeah, yeah. Well, because that's like the ultimate goal.

Starting point is 00:11:20 They don't know you. That's like the ultimate goal. But they don't know you. The only thing they knew was this is. a way to come to the United States. Yeah, so, okay, the Brazilian was able to come, right? So she was already, so she was already, like, looking to come. And then she didn't actually come for, like, I guess, like, two or three months after we started talking. So it wasn't like, hey, come here. And then they should. I get it, but they're using you as the ticket to get here. How does this

Starting point is 00:11:44 feel? Like, you don't, okay, what happens after five years? Okay, the alternative is me to go there. And did I want to go live in Brazil or did I want to go live in Cameroon? No, probably not. What happens after like five years of marriage and they can kind of less consequences kind of cut that ties? I mean, like I said, we get along. You know, like I've had a like... But what if her mission is just to get here? That was your opening message. I'm not saying it 100%, but that was your opening message.

Starting point is 00:12:10 Yeah, I mean, that's fair. So that's the first thing they knew. The first thing that started the conversation was this is their way to the United States. Yeah. I mean, I guess like that's a really negative way to look at it. But that was your opening message. No, hey, it's fair. You didn't bring it up once they knew you.

Starting point is 00:12:25 Yeah, but the whole time, like, people told me, like, oh, when you go over there, like, you know, are you sure you've talked to her? Like, are you sure sure you're not catfishing you? Are you sure you're not going to kidnap? Unless you's not at least catfishing. You know, like, there's, like, this huge, like, list of things that everyone told me to, like, worry about, like, oh, you're not going to get along. It's going to be different when you be in person. But, like, we'd been talking for two years, and we've been doing, like, video calls, like, pretty much. I get that.

Starting point is 00:12:47 That's not what I'm saying. No, we genuinely get along, and, like, we smile when we talk to each other. Okay. I mean, look, like... I smile with my friends when I talk to them. Yeah, okay. And co-workers, and you. That doesn't mean we're fucking getting married.

Starting point is 00:13:01 I love me and you. I don't think it's a high concern right now. I think the probability is relatively low. That can happen with people even that live next door to you. No, of course. But your probability is higher. I mean, is it, though? when you only talk to the people that

Starting point is 00:13:23 when you only talk to the people that responded yes to wanting to come to the United States from your opening message I would suggest. So I don't even ask what your job is. What do you do for a living? So I do software engineering. Oh, okay. Cool.

Starting point is 00:13:36 So you make some money. What are you making? Well, so I guess all income sources right now after taxes, after medical bills and all that. Yeah, sure. What hits a net? Sure. Yeah, okay.

Starting point is 00:13:49 10,000. A month? Yeah. Fuck yeah, dude. Absolutely killer. I know. Some foreign-born princesses would love that. That is great.

Starting point is 00:13:59 Yeah, so, but when I met her, I didn't make anywhere near that much money. What did you make? It was probably more like $3,500. A month? Yeah. $3,500 a month? Well, that's probably about like $3,000 more a month than their annual GDP per capita. Yeah.

Starting point is 00:14:17 Yeah, she doesn't make a whole lot of money. What does she do? Is she going to come here and moot? She does eyelashes and she does like hair stuff. Right. Right, right, tight. Well, eyelashes is pretty lucrative here. It's just not there as much.

Starting point is 00:14:33 Yeah, but will she do it illegally here? Yeah, once we get her a green card. Uh-huh. Cool. And what happens after three years of marriage and she has a green card? Because you pretty much got to be married like three years with the green card. Yeah. And then they can get divorced and then just...

Starting point is 00:14:53 Yeah. You can always, like anyone you get married to can divorce you. I mean, like... It's the intention. I mean, that's probably why you're not married. It's because you're worried about that. I mean, I was too. No, that's not what...

Starting point is 00:15:05 To be fair, I was too. You know, like, I was worried about it like that. No, I just specifically know this one guy here in Austin, Texas. I know, I don't know him personally. I actually know the girl. But he, they got married. She was from She's, I think, China or Taiwan

Starting point is 00:15:23 Was just over there And she Got married, got the green card Two years, two to three years after marriage Done Done. Out! Out!

Starting point is 00:15:36 And now she's just trying around with the green card. Yeah, hey, I mean, it's definitely a possibility But like I said, you know, I'll have to judge your character, right? And so I judge that Well, $10,000 a month is great.

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Starting point is 00:16:22 U-N. Details at Yamava.com must be 21-20. Please gamble responsibly. Monopoly is a trademark of Hasbro. Hasbro is not a sponsor of this promotion. Family and all this stuff? I didn't think it was that bad. It was mostly just like the trip and some medical expenses. And those medical expenses, you know, honestly, that's one of the reasons that's...

Starting point is 00:16:41 I don't know. I see a $1,000 on this first credit card alone. That has a high... I don't think this is just medical. No. One, two, three, four, five, two. No, I don't see one medical expense here. How much did you put on credit cards, middle expense?

Starting point is 00:16:53 About 4,000. Okay, well, that's not even a fourth of your high interest debt. So I don't think that's the reason we're in this mess. Well, yeah, I mean, the trip and medical expenses combined is about... What trip? The trip to go get engaged. But there's so much spending on these credit cards right now, dude. You literally spent $2,2,216 more than you brought in this month.

Starting point is 00:17:16 Well, yeah, well, because it's like a lot of... When did you go to... That was a lot of emergency fund spending. Why? Medical expenses and car expenses. What are you dying every month? What's happening? Does she know that we're dying?

Starting point is 00:17:29 No, it happened in January, and then the bills didn't come due until. What happened? Well, I'm not, actually, they told me not to say so we don't get banned on YouTube. Apparently, we can't mention specific. Okay, okay. Okay, no, it's just like a medical condition. Okay, and when did you go to Cameroon? Two months later.

Starting point is 00:17:52 Like, well, a month and a half after the medical. So March? Yeah. March. Okay. That does not, we're not looking at March's statements. Probably looking at like April's. Yeah, we're looking at April.

Starting point is 00:18:03 So that doesn't fucking matter. I mean, you're looking at Marches. I mean, I don't know. I see April. April, April, April, April, April, April, April, April, April. Okay. I mean, I don't know. I think, I mean, the April statement has March's payments.

Starting point is 00:18:19 usually, right? Like March is the one that comes out. April's minimum monthly payment maybe, but these are purchases being made in April. Okay, I mean, I sent you the statements April 15th, so like April wasn't even over yet. I mean... Wasn't over, but I am seeing some April and you're spending

Starting point is 00:18:35 in the last statement versus income. I think I sent you some screenshots too, the more recent cards. So there's... Either way, it's $2,000 more than you owed. Yeah, but like I said, a lot of it's emergency fund spending. Like, you know, when you have to do a car repair when you have to do a medical expense.

Starting point is 00:18:51 Okay, I had one large medical bill, but that still pushes you directly to the edge. Yeah, no. Well, yeah, I said, I'm not going on a trip to Cameroon every month. I'm not getting engaged every month. Like, the trip cost me like $8,000 or something. I don't think the trip was on this statement, buddy.

Starting point is 00:19:11 Okay. So, in general, what is going on? Because even if it was, even if it was just that spending, let's say, if it was one month, two months of bad spending, I wouldn't have this much paperwork. I mean, what is going on?

Starting point is 00:19:28 Because you're making too much right now to be this. I think, I mean, I think we'll just have to dive into it. I think you're going to. I want to see self-assess why you think it's, well, I guess we did. You think it was medical in travel, but this wouldn't all be existing just for that. Well, and I mean. That explains a month. Yeah.

Starting point is 00:19:44 And I mean, it's mostly, yeah, I mean, that's mostly when, because I wasn't making this income for that long of the time. Well, how long have you been making this? on. Essentially since, you know, well, I mean, and why did you use an emergency fund to go to Cameroon anyway? It's an emergency. Well, it kind of is. No. Well, okay. So like what? What? What? How? In what world is that an emergency? Because we can't get married and we can't be together until I went there. Why don't you save up for it? I did. That's what an emergency fund is. No, an emergency fund is for emergencies. And then a trip can be saved up for

Starting point is 00:20:21 as a trip fund. Okay, so this is how I looked at it. It's like, look, the longer I delay it, right? You wouldn't have to. You make money, though. You could have budgeted in a trip. I assume Cameroon isn't the most expensive trip in the world. I mean, it was pretty expensive.

Starting point is 00:20:37 What? Like I said, it cost about $8,000 all told, to do, like, the, like, I had to pay the dowry. Oh, well, that, but it's not the trip. Okay. I see what you're saying. Yes, you had to pay your tax to purchase a wife. Yeah, I got it.

Starting point is 00:20:50 Yeah. Yeah. And then I got an engagement. ring. Oh, for a sec. Okay. Was that included in the $8,000? Probably.

Starting point is 00:20:56 Okay, maybe we didn't need that purchase. I mean, I don't know. It probably was. Yeah, I'm including it in the $8,000, yeah. Okay. For sure. And then...

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Starting point is 00:22:21 Y-ReFi-78. That's AAA Y-Refi-78 and see how a real personal approach can help you escape the private loan nightmare because, let's be honest, living with crippling debt till your 90 is not the retirement plan you dreamed of. Yeah. Okay. Yeah, so, and then I also bought some sort of stuff in advance. So, like, I know she's going to come over.

Starting point is 00:22:48 Well, I don't know, but the plan is that it takes about... You don't know? Well, I don't know how long it's going to take. Okay. Right. So, like, early side, she gets over here around November, late side, you know, February of next year. So that's why, like, I didn't want to delay it even more.

Starting point is 00:23:05 What's life going to look like financially when she's here? What does she want? What is happening? Is she going to be like a fucking milker? A lot of the times on those shows, they are, you know, quite needy and they want to do a lot of things. They get a little upset if they don't get, like, allowances. It's very interesting.

Starting point is 00:23:22 And it's also boring. If they don't have like any kind of like work permits or anything, it's like, what do they do with their time? So like, what are you going to do? Well, yeah, yeah, definitely. Well, luckily I do work from home. So we can like still, oh, I mean not 100% of the time, but like a lot of the time I work from home.

Starting point is 00:23:38 So we can spend some time there. And that's one of the things I bought in advance was try to get like plenty of like entertainment stuff set up so that like, you know, like to get like, season tickets and stuff to various things. Do you guys agree on everything? Do you guys disagree on this money? No one agrees on everything.

Starting point is 00:23:59 Money related here. Well, she doesn't really have like, you know, I guess they're... What about her expectations of it, though? Their financial situation over there is a little different. I know, but what are her American dream expectations? Remember, she responded to the opening message. Do you want to live in America? Well, yeah.

Starting point is 00:24:16 I mean, that's a good question. I guess we'd have to ask her exactly what our expectations. You don't know. You talked to her for two years. I've talked to her, but like, you know. She hasn't expressed things? Yeah, I mean, well, she said that kind of stuff doesn't matter to her as long as she has like the base. Because it's like where she's coming from.

Starting point is 00:24:34 No, where she's coming from, but she wants to be here for a reason. Yeah, yeah. Why does she want to, fine, how about this? Why does she want to be here before she knew you? I've been to where she lives there. It's not very nice. Why does she want to be here specifically before she knew you? Because she responded to the application to come to the U.S.

Starting point is 00:24:49 essentially. Yeah, I mean, I think a lot of people there want to get out. You know, I think that's like a, you know, they watch movies and stuff and they see like it's like nicer. Like, I mean, I don't know exactly, but that's kind of like my gist of it. And then, you know, I went, I've seen where she lives, you know, and like, I would just say most Americans wouldn't be willing to live there. Not that it was that bad overall, but like just in general, they probably wouldn't be down for it. And then, you know, like their power cuts out. all the time, stuff like that, just like small annoyances. Yeah. I mean, she doesn't even know. And so that's not the reason you're going to get married. Okay, maybe it is. But like, you know, I think when she comes over here, the main thing that's going to change financially is, you know, I spend a lot of money on food already.

Starting point is 00:25:38 Not like eating out, but just like on food. Why? Well, to get good quality food, man. You know, like you don't want to get that like gross like CAFO beef. You know, you want to get some nice. grass-fed, dry-aged, you know? I don't know. You had more going out to eat than you had groceries. So, well, that's probably...

Starting point is 00:25:57 $600 going out to eat. Okay, that's not true. That's just not true. That is math. Yeah, but I didn't spend $600 going out to eat. Like, maybe you got some of my grocery purchases in there or something. I've only been out to eat four times, like this year, maybe five times. One of them was today.

Starting point is 00:26:19 We had some burgers. What is... Yeah, knockabout burgers. That was like the first time. That was one. We had some adding up a sweet treats that we were stopping and getting. Oh, it's so $25. No, some adding up.

Starting point is 00:26:32 We had about $198 and $63. Where? We'll go through the statements, buddy. I haven't gone through them. Someone else said. What are sweet treats? What's Carter County meat? Yeah, grass-fed beef.

Starting point is 00:26:44 That's beef. So, okay, you spent more just on grass-fed beef, specifically, than you need to, are groceries in an entire month that you could in a budget-friendly way. Right, right. I could eat less. I mean. And just meal prepping in general. I do milk-prep. I do milk-per. I do milk-per. I do milk-per. Then someone who's trying to budget and live a better, what are your goals what are you trying to do other than bring someone over? Okay. Even if I got Costco beef, right? Like I would, like, okay, that's 30 pounds. That's 30 pounds of ground beef. So even if you bought 30 pounds of ground beef from Costco,

Starting point is 00:27:16 So I mean, you'd save, I'd save like, probably like 33% on it or something. Like, I pay about $9 something a pound, and I think you can get Costco ground beef. And that's after Texas, nine something after taxes. So like Costco ground beef after taxes is like maybe six something. So I'm saving like $3 a pound. So but it's the problem. Look at how much meat are you eating beef? Dude, like over a pound a day.

Starting point is 00:27:42 Okay. That's what I'm saying. And then there's more groceries on top of that. yeah i mean i spend a lot of money 148 to trader jose and yeah that's water that's water 139 yeah king supers is groceries why what's your water situation you're not in cameroon right i know but i get um i get well okay yeah but that's like that's like three months worth of water and that's more important then not going further into debt uh well i mean you don't have filtered water i do i use it for tea and coffee

Starting point is 00:28:17 but like the that's like um it's like kind of mineral water so it's like works like a okay super hydrating and it like gives you magnesium and but let's just think about life where we are because this is this is what you're prioritizing if that's where life is fine you can prioritize it obviously we're going further in debt so maybe we don't when we're draining our emergency phone but what are your goals what do we try to do uh well okay so now that i'm getting married and she's going to come over here um I guess, like, sort of the goal is to want to buy a house. Okay. Now that's a good goal.

Starting point is 00:28:52 So, you know, like, you're hammering around the debt over here. And like, oh, yes, you have $40,000 or $20,000 in bad debt. Okay, but I haven't paid any interest. Substantial. I haven't paid any interest. So is it bad debt? Well, debt to income ratio, they'll look at it. And they're on credit cards, which will accrue interest.

Starting point is 00:29:07 But they haven't. Doesn't matter. They will. Okay. If you don't pay them off and you're not. Yeah, I'm trying to save up for a house. So, yeah, like, you know, that's kind of like... Save up how much?

Starting point is 00:29:22 Well, you know, you got to get a down payment, right? And so, like, I know you're like into real estate, like you mentioned it all the time. So I'm hoping that, like, you know, we're on a real estate bubble right now when all these foreclosures come up, that like the market looks a little bit better and maybe on that down payment. It's like, hope. I mean, but there are like, there has been foreclosure insurance for the last like four years. But what if that doesn't happen? Would if rates drop soon? People are able to refinance onto more affordable things.

Starting point is 00:29:51 It's not even rates. It's like the fact that... No, it's not even rates. But if people are near that level of foreclosure, if rates do drop, you might be able to refinance into a more affordable situation that allows them to get into something they can afford and not get foreclosure.

Starting point is 00:30:07 Yeah. That's true. Yeah, that's true. I don't know. Banking on that, something that's happened like a couple times in American history. It's like, good luck if we're waiting for that. A lot of the indicators are like looking like 2008, right? It's looking like 2007 right now. I mean, okay. But like, okay, I really want to get a house because, okay, A, like she's coming

Starting point is 00:30:29 over. Yes, I get that. And like, and then, you know, I was trying to start like doing some chicken farming. And so, like. Okay. Software engineer or farm. I don't know. Well, okay, so eggs are super expensive, right? And typically they're like, you know, not, okay, they're tortured. They're tortured eggs, okay. But you're able to, you get fanned beef. You know you can get better eggs.

Starting point is 00:30:58 Yeah, but they're like ridiculously expensive. But you make great money. If you're giving me a hard time about the grass fed beef, like, how do you feel about paying like a dollar an egg? It's less about that. It's more that you, it's less about that. It's more that you're going into an entire house purchase just for this. If it was you're able to do that in your current situation, I don't care.

Starting point is 00:31:16 Well, yeah, I mean, I did try to have the chicken live at the apartment. But then it got evicted. It got evicted? Yeah. What is the chicken getting evicted? Okay. So I guess, like, there's this girl I was kind of dating. Was she American this time?

Starting point is 00:31:35 Yeah, she was a Native American. But so, yeah. I mean, it wasn't like, we had dated before. And then so I guess like, I felt kind of hopeless because I was on unemployment at the time. And like, so I didn't think I could do this whole Cameroon thing even though that's like what I really wanted to do. But wait, you wanted to do this while you were dating the other one. Well, okay, what I'm saying is I've been wanting to do the Cameroon thing for like two years. Yeah, but it just hasn't been.

Starting point is 00:32:06 But you were dating this Native American girl while this was happening. Well, we weren't really talking so much. Does Ms. Cameroon know this? Yeah, she does. She's okay with it? Yeah, I mean, she did. So you just needed some local company as you were waiting for the big migration. Sort of.

Starting point is 00:32:24 But it was more like we were more friends than we were like, it's serious. Oh, they're saying the Brazilian was also an overlap. Yeah, well, yeah, the Brazilian too. Yeah, I mean, yeah. Because we were just talking. Well, you know, there's like no, yeah, anyway. Go on. Chicken eviction.

Starting point is 00:32:40 Okay, yeah. So, yeah, I guess she got kind of mad because, like, like I said, it was more like a friend thing, like for me at that point. Like, we weren't really, like, you know, hooking up a whole lot. And then so she was, like, kind of mad about that. And they weren't fucked. Yeah. Okay. Well, probably because, you know, I had my heart in other places.

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Starting point is 00:33:55 Take control of your financial future today. See you in the classes. So she was kind of mad about that. And then, like, so leftover from the Brazilian girl, like, I had these laundres. and so they were just like in my closet. And then I guess she like went into my closet for some. Not even my closet. It was like the closet in my office.

Starting point is 00:34:15 So like she goes in there and she sees them. And then she just like freaks out. And I'm like, well, they're not. It's kind of like not. It's a long story to get to a chicken leaving. Well, yeah. Okay. I'm getting there.

Starting point is 00:34:27 I'm getting there. So anyway, she finds lingerie and gets really mad and starts throwing stuff away. And then I got kind of. kind of mad at her for doing that. And then we kind of broke up. And then, like, right after we broke up, you know, like, I don't know, three days later, the chicken police came to my house. And, uh, the fuck is the chicken police.

Starting point is 00:34:48 I mean, this is the chicken police. I mean, I don't know what you want me to tell you. They just knocked on the door and they said, we need a, like, it's kind of like, you know. Was it an indoor chicken? Well, it lived on the balcony. So I made, like a balcony. I'm not sure. Neighbors loved that.

Starting point is 00:35:01 Well, okay. They're right. Okay. But if it was a day. The chicken like that, I thought you were all about moral space and for the chicken to run. Well, it's a lot more space than like if even like those, even the open pasture chickens, like they put them like, okay. Yeah, yeah, but it's still a balcony though. Yeah.

Starting point is 00:35:19 Yeah. I took it for walks. Uh-huh. You take your dog for walks. Are you torturing your dog by letting it live inside? No, but I don't keep it on a balcony. So the chicken police come and they're like, oh, this is like a safe, habitable, like, You know, it's warm area. You have a heater for the chicken. It's like a, you know, a safe environment.

Starting point is 00:35:39 It's like a happy chicken. And then, so then like three days later, then the apartment complex sent me a letter. Fair enough. And they were like, hey, you know, this chicken violates or pet policy. You have 24 hours to get rid of it. So then I had to find like a different home for the chicken. And so it kind of fostered it at a friend's house. and then so, you know, maybe one of the eating out things you have down for me is like a kombucha subscription I have. No. That's probably in the subscriptions, though. In the kombucha network, there was someone that I was able to live.

Starting point is 00:36:14 In the kombucha network, okay. What do you think are in the world of finances? Zero to ten, zero being the worst, ten being the best. I mean, probably four. Probably four. It's time to refresh your yard during spring. Spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill three-burner gas grill.

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Starting point is 00:37:07 If you want to see where you stand in the world of finances, take the assessment. Go to Calebhammer.com. You can also go to Calebhammer.com slash apply if you want to be on the show. Don't forget if you don't want to end up like a guest on the show, make sure you're downloading my budgeting app. And if you sign it for the annual version, I'll send you our budget-friendly cookbook, which can't be purchased anywhere. I'll sign it and I'll send it directly to you. All right, guy. Wilson, do you want to know the chicken's name?

Starting point is 00:37:30 Okay. It's Harriet Potter. the chick that lived because I tried a bunch of chickens and only one survived. Stop! You have a Chase Freedom card.

Starting point is 00:37:43 I love the Chase Freedom card. It's a classic. Is this the OG freedom? I don't fucking know, dude. You tell me. Okay. I mean, I have three. The man has found love.

Starting point is 00:37:53 He is giggly. Six thousand five hundred. Okay, that's the unlimited. $85. $77 with a minimum monthly payment of, I can't tell. Yeah, I don't know. Never made a minimum monthly payment.

Starting point is 00:38:08 What is the minimum of the payment? Honestly, I don't know. It's usually probably like 40 bucks. Okay, $40 minimum monthly payment. And on here, pending lands end for PayPal and PayPal and PayPal and PayPal. Oh, educational access.com. That one's blacked out. Carid.com?

Starting point is 00:38:28 Carried.com? Oh, my gosh. Summid, Rock Auto. Car parts. What the fuck is going on with your car? What are you doing? So that was oil filters, wiper blades, air filters. You do it all at once?

Starting point is 00:38:43 Yeah. In a month you couldn't afford it? But it's got like introductory interest. So it's like he doesn't have to be paid right away. Yeah, but it's still spending that could have gone towards other things. Like not draining our emergency funding cash flow in our trip to camera room. Right, but I'm going to need all that stuff anyway. I know, but you didn't have to do it that time.

Starting point is 00:39:04 They had a PayPal promotion. When does the interest-free period end? Like, in a few weeks. Yeah, but I'm getting paid. You're getting paid. You also have fucking bills. Yeah, that's what I... Yeah, good luck.

Starting point is 00:39:24 Okay. Birkin brands. Burk and brands. Oh, that's coffee. Oh, it's okay. It's not what I was thinking. Well, it's like coffee beans. Parts geek.

Starting point is 00:39:33 Blacked Out. blacked out. H. Matt, is that HBO Max? Or is that? Yeah, it's $3. Okay.

Starting point is 00:39:40 Pretty good deal. Burke Brands, Mountain Star, knockout burgers, Denver's Art Complex, Lands End. Is that, is Lans End also?

Starting point is 00:39:53 No, that's close. Like I bought them in, like, November, but the, like, product wasn't available. So I can just give.

Starting point is 00:40:01 In likely miscellaneous bullshit. And we'll go. through everything, we're seeing about almost $1,000 of purchases in miscellaneous bullshit. I mean, you're calling car parts? Denver. Arts Complex, Bomba, Sox, Lans, and Denver Center, Colorado Symphony, event tickets, chamber orchestra, Alibaba and Staples. That ended up to about a thousand bucks. Yeah, yeah, those were the season tickets I was mentioning.

Starting point is 00:40:27 Yeah, that's all miscellaneous bullshit. Yeah, that's fair. That is not car parts. That is $1,000. Yeah, that's fair. That is payoff debt before Interested Cruz. That is fucking giving to the village. That's, you know, $1,000 goes a long way.

Starting point is 00:40:41 No, that's fair, yeah. Yeah. I mean, yeah, but like I said, this is when they're doing the season ticket, so I figure it was better to get them now. Yeah, but you spend it in a month where you spend $2,500 more than you made. Yeah, but... And interested in a couple of weeks. Okay, we have another Freedom card.

Starting point is 00:40:58 Yeah, that one shouldn't have anything on it, though. I used to think life insurance was one of those someday things. It's like, I'll get to it someday after I organize my receipts, fix my car, figure out what my HSA actually does. And then I realized, a waiting doesn't protect your family, which is the literal reason for life insurance. Fabric by Gerber Life makes it ridiculously easy to stop putting it off and get term life insurance right now.

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Starting point is 00:43:45 Uh, well, it does. $3,960. And 96 cents. With a minimum monthly payment of $108. How long does this take to pay off if you're not, purchasing, which, by the way, you did, $267.64. How long does this take to pay off only minimum monthly payments? Which is what you did last month, by the way.

Starting point is 00:44:06 Right, because it's an interest-free period. So there's no reason. How long does it take the payoff? Well, there is a reason to pay more towards it. The amount that is necessary without purchasing, that pays it off before the interest-s. Would it make more sense to put that in my high-yield savings account and earn interest on the money? I guess. You're finessing

Starting point is 00:44:22 a couple dollars there, and you're on this show where you, like many other people. right. I mean, look what you've done. Like a couple dollars versus a mistake of losing, you know, like $50 in interest like that in one month. Yeah, that's fair. But that's why I'm doing it. It's like, I'm waiting to, I'm waiting to a last minute. People have, there are so many people that have come on the show that try to finesse and I don't want you to end up like that. You were so close. How long does it take the pay off? I have minimums only. No idea. What do you think? What do you think? 108 times. So probably like four years.

Starting point is 00:44:53 14 years. 14. There you. This interest will kick in. Well, see, that minimum monthly payment is a little skewed. It's not actually 108. That's because, okay, there's like a problem with my automatic payment. And what? Because I'm automatic. Well, Chase, it's a complicated story. But, like, the point is, is it's coming out of my savings account to automatically pay it.

Starting point is 00:45:17 But then when Chase runs that, they run it as a checking account. And then it gets denied. So then I end up having to do a manual payment for the Chase cards. So like that, it's like a $29 minimum monthly payment plus like a fee for being late. That's why it's so long. There is a late fee. 14 years is going to take a lot longer when it goes with that. And I get it.

Starting point is 00:45:41 It was a situation outside of your control. But this is what happens. We try to finesse. We get complicated. We spread all our shit too far. Then all of a sudden, uh-oh, we're out in control of this account. We lose our ability to fully manage things. Late fee hits.

Starting point is 00:45:55 And this is the Denver Art Complex, King Scoopers, Max. Yeah. Yeah. The balance for this interest rate would have ended a couple weeks ago. Yeah, it did, but then the payments not due for a month after that. Oh, sketchy world, man. That's putting yourself in a scary situation. You have a wife coming.

Starting point is 00:46:22 Well, that's how like a normal credit card payment works, right? I know, but you're pushing yourself to the edge. And you always have, like, what if a medical thing comes up and you can't just pay it off? I don't even think you can just pay it off with the way you do it with the way you live life. But, I mean, the fact is, what if something else does pop up? You don't take that in account. And now you've drained your emergency fund to go to Cameroon. I guess if there was a serious, like, medical bill.

Starting point is 00:46:45 But, like, my out-of-pocket maximum is, like, only $8,000. And I've paid, like, $4,000. So, like, absolute maximum I could pay maybe $4,000 more. There's so many more emergencies. The car breaks down. It did. It did break down. Well, there you go.

Starting point is 00:46:59 That's why I'm buying car parts. Or, there's so many, that's why they're an emergency because they're unpredictable. Yeah. And you put yourself in a risky situation with leading this entire huge balance that's about to hit the interest rate. The 6,585, about to hit infantry, interest rate. You're okay with that? I mean, especially with a wife coming. It's just, and you want to get a house.

Starting point is 00:47:24 Right. You'd get a house without an emergency fund and then all of a sudden a big expense would happen and you wouldn't be able to cover it. Yeah, well, see, that is kind of a worry. That's like why I feel like it's safe. That's why I just don't have a house and why I'm renting.

Starting point is 00:47:35 It's because, like, you know, the loss of freedom and then the loss, you know, just like, you're just, you know, what happens if you have to do repairs, insurance rates are going up, you know, that kind of thing. So it's just kind of like a, it seems scary to do the house. but I mean Do you want to then?

Starting point is 00:47:57 I do Yeah I do Because like I said You know I want to like have like the chickens And the goats And the sheep's I'm like you know Just be able to do what we can

Starting point is 00:48:08 With the house Like you know Make some of our own decisions Like you know You can't like You know Tear the house up I guess if

Starting point is 00:48:16 Landlords are in charge And then in the situation Where you're going And of course Spending more than you made in that monthly basis. It's the prioritization of things. I mean, you're getting, again, all the car parts,

Starting point is 00:48:27 we talked about that. But then also, it's like all that meat. The water is like stockpiling over the course of a few months, even though you could have spread that over a few months. Yeah. What are you prepping for? I mean, I'm not necessarily prepping. It's just like I'm at the store.

Starting point is 00:48:43 And then, you know, so I'll buy like four boxes of water or, you know, I'll buy like four jars of ghee or something. Okay. But in months where you cannot afford it, you had a drain of an emergency even to leave. Credit card bill comes due with interest hitting very soon. Because it was like interest free for that month, it's more like I had like two months to pay it. So I was looking at it as like, you know, a payment for the next month. I get it. But again, look what happens when we try to finesse everything. Yeah, no, you're right. I mean, it can happen.

Starting point is 00:49:17 It's not a horrible mindset if we do it right. I don't know. You seem like you're spreading things all over the place. I mean, I'm trying to do it, right? It's... Well, interest is about to hit, like, right now. And I don't see six, seven, eight, nine thousand, ten thousand, two hundred fifty dollars laying around. You know, like, I do save some money in some places. Like, you know, I spend a lot of money on milk because I make my own yogurt.

Starting point is 00:49:43 But, like, milk's a lot... Make your own yogurt. Yeah, like... Oh, she'll feel right at home. What? Yeah, well, the, the yogurt is like a lot. lot less expensive when you make it yourself. I guess. Well, because, like, I'm making...

Starting point is 00:49:57 You want to play the real finesse game? The time you're spending making yogurt, you can probably pick up, like, a contracting little thing for software engineering. Like, on, like, fiber or something. Oh, well, it's super fast to make yogurt. I'm just saying. You literally just pour milk in a jar. I don't care.

Starting point is 00:50:11 It's fine. You should make your own yogurt. I'm okay. It makes me shit. Not only, like, do I make yogurt? Like, I mean, I make sourdough, too. sometimes. You know, I'm like into the fermented stuff.

Starting point is 00:50:24 Sure. So I made like kimchi, you know, sourdough. Okay. Okay. Yeah. So. I'm against that. And then I guess like one of the bad purchases I did.

Starting point is 00:50:34 I mean, it was like, yeah, so I bought a bunch of computer parts because like it sort of started when, so I broke my computer because I was making sourdough in the winter. And then the computer's warm. So then I set the sourdough on top of the computer. Oh my fuck. And then it like over. overflowed and or actually I guess it was yogurt that did it so now I have like four four or five computers so um sell them I've been trying I've been trying then you're overpriced um yeah maybe I mean they're not price if no one's buying them they're overpriced the market says they're overpriced okay what would

Starting point is 00:51:11 what would you what I mean it's like a 4070 super dude I don't fucking know it's what people would buy it for if people aren't buying it it's overpriced I don't think it's that overpriced. I mean, it's like... Well, no one's buying it. It's not you. The other people are saying it is. You don't get to determine.

Starting point is 00:51:28 Okay. Yeah. Or maybe I'm just not selling the right place. You know, maybe Craigslist isn't a good place to sell it anymore. You haven't tried Facebook marketplace? I don't have a Facebook account. Make a Facebook account to sell them and then delete it. I don't know.

Starting point is 00:51:38 Okay. I don't think the Zuck will care that much. Okay. Look, look, this is a car, right? Wait. No, what is this? What has the $3,283-d-d-dounce? This is what happens with people to send screenshots instead of statements

Starting point is 00:51:56 Because I don't know what the fuck We're looking at That is Trading at Schwab is now powered by Ameritrade Giving you even more specialized support than ever before Like access to the trade desk Our team of passionate traders Ready to tackle anything from the most complex trading questions

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Starting point is 00:52:39 That was like a car expense. That was my car repair. That $3,000 was a car repair. What happened? So my clutch went out. What's your minimum monthly on this? Minimum month. I mean, I see.

Starting point is 00:52:51 activity since last statement. Of course you didn't send us the entire statement. Why would you? Korean restaurant. The statement hadn't come out yet. I got the card. In April, Korean restaurant, Pine Creek, Japanese domestic auto. There's that one. Yeah, that was my friend's birthday. And then the car payment. Okay. How much is this car worth? Well, it's probably not worth as much. But it's probably still worth like 16 or 17,000. Okay. Okay. That's not horrible. It's a lot of money to put into it. I get it.

Starting point is 00:53:22 Well, all this other stuff is coming up. Again, what if that happens? Right before our carter car balance is about the crew interest, yeah, then we already know that that's going. Also, we ran your car based on all the details you gave us, and we're giving a private sale value of $9,900. That would be if it was an automatic,

Starting point is 00:53:39 but it's a manual transmission, so it's like more of a... We search your VIN, though. Yeah, but I think, like, it's because the manual transmission is like super rare. I don't know. We searched your VIN and knows what car you have. Okay.

Starting point is 00:53:51 It kind of sounds like your GPUs where you... I mean, look, if you go look up on Car trader right now, Accur-T-L-2013 manual transmission, you won't be able... So it's going to be like your GPU where you put it at a price you think and then no one ever buys it in one. No, I'm saying like the only ones listed are listed at $17,000. Like if you go buy an automatic, it'll be listed at $9,000. I don't know.

Starting point is 00:54:14 We search your VIN. I'm going to go off of the VIN. Okay, if you say so. Not off of what, like, looking at what my... A souped-up car might have or something. It's not a souped-up car. I don't know. Your VIN, though, says 9,000.

Starting point is 00:54:27 Right? I mean... I mean, I don't know how you're searching it. I'm just telling you, like... Kelly Bullock. Okay, yeah. I mean, I don't know how Kelly Bluggo gets their numbers. Like, there's only five for sale at any time in the country, really.

Starting point is 00:54:42 And then they're all about 15,000 and so... It's not the biggest sale. I don't really care. But that's what we got. Okay. What's the minimum fee payment on this? I don't know. What do you think the minimum

Starting point is 00:54:54 multi-payment is? Probably like $40. It's usually like about 1%. Okay, what does the interest hit on this? I'm assuming this is your interest-free. No, this one's not interest-free. This one, I put it on there because it was like expense I had to pay.

Starting point is 00:55:10 And then there was like a... How did you put on one of your interest-free cards? Okay, because there's like the first $5,000 spend, you get $1,000 back. and then there's an additional 0.25 multiplier if you buy a plane ticket and then Cassie, I'm going to need to buy Cassie of an expensive plane ticket. Oh, sorry, I'm going to need to buy my fiance an expensive plane ticket. And then, so this essentially will cover the plane ticket.

Starting point is 00:55:35 And then why with an interest hits? Yeah, if I don't pay it, it will. Yeah. This is a lot of cards have to pay the full balance off all the once. Right now we're adding. six plus three plus three well really six plus four plus three you make 10,000 a month

Starting point is 00:55:57 yeah and my emergency fund you're going to use an emergency fund so really you've just kicked the can down the road and really all your savings is really going to it at the end so really the savings were nothing well yeah but they were earning interest what what APY like 4.35

Starting point is 00:56:16 okay so how much did you get a couple hundred bucks Yeah, like probably like a hundred-a- Great, and that's if you do this all right. All right, Wells Fargo. Here, we have 4,000 hours of purchases. You paid off the last balance.

Starting point is 00:56:39 And some medical expenses. Oh. No, and two thing foods. You got some food as well. I think it was Costco. Yeah, well, there's also Alley pay. Oh, that was the fraud.

Starting point is 00:56:55 Randy's High Country Towin? Yeah, that's car emergency. Cater Country meat. Yeah, we know that. Lockbox? Oh, that was the immigration fee. Okay, so this was not all medical.

Starting point is 00:57:10 Oh, well. A lot of this stuff was the stuff we were choosing to do right now. Maybe we don't do the medicals all in at the same time. I didn't really have a choice. No, the medical you can do. Not all that stuff at the same time. Yes, you did. Car repair, I get it.

Starting point is 00:57:23 Well, yeah, I got to get my tarts code. And then the other one was immigration fee. I know. Well, we could have maybe delayed a month when you had the money. But then it would delay her getting here a month. I get it. I get it. It's just putting yourself in a financially scary position.

Starting point is 00:57:39 I mean, you know, like, doesn't Dave Ramsey say stuff like, you know, spend your money on, like, people and experiences? He doesn't say spend $2,500 more than you make in a month. Yeah. He doesn't say going to credit card. Why do you, why the fuck you bring you? up Dave Ramsey, he would never recommend the little finessing thing you're doing. He wouldn't even let you look at a credit card. It doesn't matter.

Starting point is 00:57:58 If you're going to bring up one part, you have to believe the... Well, I don't believe in the religious part for sure. Well, either way, it doesn't matter. It's like... Okay, yeah. You're finessing. He wouldn't recommend any of this. Yeah, that's probably true.

Starting point is 00:58:11 Yeah, he doesn't like credit cards. I got a lot of them. It's for sure. What if you get laid off, man? Yeah, I mean, I'm worried about it. Like, I mean, that's definitely... That's probably the biggest worry, like out of all the... Well, that's why you have it a fully funded emergency fund.

Starting point is 00:58:25 But again, you're saying you're using your emergency fund to take care of all this, which, by the way, is not a learned... It's not a good learning lesson because with that, you were essentially allowing yourself to spend more money, bailing yourself out, then you have to cut back, build a fully funded emergency fund, then you're allowed to live a crazy life and put your emergency fund towards it. You're just... You're not learning the behavior that fucked you into a situation that you can't afford other than bailing yourself out.

Starting point is 00:58:53 And then what happens when you get laid off, if you get laid off? And hopefully you don't, but the tech market's a little interesting right now. Yeah, it is. You know, and the rise of AI, who even knows? What kind of software engineering do you do? I'm not at liberty to disclose that. It doesn't have to be the job. You can't say, like, what kind?

Starting point is 00:59:11 I guess, like, C++. I mean, is that what you're looking for? Okay. So, yes, AI could come for you. essentially. Yeah. It's just, it's, it's, it's a, that's a worrying position. Yeah, yeah, it's definitely worrying.

Starting point is 00:59:30 And so I guess that's like sort of a question I have, like an education question I have, is, so let's say you do have your emergency fund, right? I'm not saying this applies to me, okay? I'm just saying hypothetically, okay? So let's say you have your emergency fund, fully funded, right? But then an emergency happens, right? So then you use your emergency fund to pay. For an actual emergency?

Starting point is 00:59:52 Sure. I don't think we agree on what an emergency is, but yes. Okay. But then at that point, right, your emergency fund is no longer fully funded. Yeah. You'd agree with that. Then, yep, you scrap down to zero and you build it all the way back up again. Right.

Starting point is 01:00:06 Right. And that's why I feel like I'm out. You're neither scrapping down to zero nor maintaining an emergency fund. You're draining an emergency fund and not scrapping down to zero to build a back up. So you know the answer to it. Oh, so I'll just scrap down to zero. Like, just get rid of all the... Of course. It's an emergency not to have an emergency fund.

Starting point is 01:00:26 Okay, yeah. Okay, I can see that. Emergency fund keeps you alive for six months if you get laid off. Gives you options to, you know, go and find other jobs. And unemployment help because you've been paying into that system as well. I'm not saying you're going to get laid off. Hopefully not. Hopefully you're very talented.

Starting point is 01:00:41 And, you know, it's like, you know, in the software engineer scale, you're making, like, you know, money. It's like, it's fine. So, I don't know. where you stand, but you're living life on the edge, man. And that makes me nervous, especially since someone else is putting in their light, like, they're fully jumping. They're jumping into the deep end, you know? Yeah, no, you're right about that. It's just, it was just like, the timing was like really kind of, it's like, hey, let's do, you know, the, like the trip and then the, the medical thing kind of happened at the same time. And then as soon as I got back from the trip, the car thing

Starting point is 01:01:18 happen. Yeah, and that's welcome to emergencies. Maybe you shouldn't use an emergency fund for a fucking vacation. We're being honest, if we're being literal. And also, at the same time, your emergency fund was to cover you. When she comes here, that's a double person, an extra mouth to feed. You know, it's extra things. Maybe you put her, I don't know, if you can get her on your insurance, I don't know. But whatever ends up being done, well, yeah, I mean, you'll be married. I don't know. So, like, it won't be able to cover her emergencies and you would be her emergency fund. right yeah so you're putting it at risk for her for selfish desires so you can prep so you can do all this stuff so you can have that miscellaneous bull a thousand dollars even in a month where you had some emergencies with which i vibe with the car one the medical can't do anything about that got it did not need to go to camera room that exact month but whatever you did but either way well all that stuff is happening you still did a thousand dollars of miscellaneous bull did

Starting point is 01:02:14 not need to do your choice All well, what is this again? 6, 7, 8, 9, 10, 11, 12, 13, 13, 13, 13, $1,750 of interest-free. That's about to be very interestee. That is about to slam. This is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win-win for both of us.

Starting point is 01:02:42 What do you have to do? Sign up for a SOFI high-yield savings account and get a welcome bonus of $300. Sign up for acorns using my link and get $20 instead of the usual $5. Finally, sign up for silo and earn up to $5,000 and cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself $5,320 right now. Oh, plus the Wells Fargo, the Wells Fargo, because you're going to have to pay this as well,

Starting point is 01:03:16 or else interest will hit. Again, you paid off, you know, we could celebrate and be like, hey, paid off the last month. It looks like you paid off every month.

Starting point is 01:03:23 Well, it was a $100 balance. This time we're at $4,483. and $61. That's a chunky balance to also throw into the mix of the 6-5 and the 4 and the 3-2. So, like, good luck.

Starting point is 01:03:40 The minimum fee payment is $45 on this. I don't know how you're making all these payments. a double. You have to make a payment that is worth double your net income on a monthly basis. I don't know.

Starting point is 01:03:54 Math's not adding enough for me. Math's not adding enough for me. And the visa thing, I get it. I want you to have, I want you to have the person you love here. I do. Being able to take care of her is also equally as important. And you're fucking, potentially

Starting point is 01:04:10 fucking her. With draining her emergency fund that is also going to need to be here. And I'm being told him and you bought your ski passes on here. You got $500 snowboarding boots, new bindings for $300.

Starting point is 01:04:25 You go golfing all the time and you spend $70 on that. It's just like, you got a massive suit collection that you're spending money on, graphic novels, CD collection for some reason. It's just like,

Starting point is 01:04:42 it's just endless. Buddy, it says endless. Oh, but you know, I do hate Spotter. So that's kind of why. Yeah, I mean, I guess I just was like, okay, so I started to listen to classical music. And then, I guess, I was going to fucking NPR then. Well, okay, yeah, but all I'm saying is like, I didn't want to pirate it.

Starting point is 01:05:07 You've had fees this year, by the way. It's a $5 international purchase fee. It was very accidental. Well, everything's accidental to you. When you do something wrong? Well, I didn't know it was an international purchase. accidentally do things wrong honestly i would have used different color to keep going classical music yeah so classical music yeah so it's like harder to download that i guess like illegally and i guess that's

Starting point is 01:05:27 technically illegal um so i just bought a bunch of like two dollar CDs to kind of build up a classical music collection and then i ripped it into flak files and you put in my player you live in 2005 well they didn't have flag players back then you live in 2009 yeah that's more like it i don't know man I mean, you can use the FIS cards, so at least you can only spend what's in your checking account. She'll need it, so I'll also put you guys through couples therapy through Sondermine when you guys get here, three free sessions. She'll need it when she realizes there's no way to keep her safe. And when she's ready to jump into the job market, I'll gift her course career certification.

Starting point is 01:06:09 Yeah, that would be actually pretty helpful. Yeah, it'll be good. City double cash. Does he send a statement? No. He sends a picture. Well, I couldn't send a statement because for the Stapfire and the city custom cash, I had just opened them.

Starting point is 01:06:24 They were brand new cards. So, no state. Are these screenshots of within there? Is the city double cash? That's the city, yeah. Okay. What's the minimum fee payment? Don't give me your normal answer.

Starting point is 01:06:36 I'm assuming it's probably, I think it's $40. I think it's $40. They're always like $40 for some reason. They want to squeeze as much interest out of you as they can. $788,22. cents. Yeah, this is where we have the symphony. We went to the center.

Starting point is 01:06:54 UCCS. presence box. It's $182. Yeah, I know. I know what it is. It's like tickets to the theater. Oh. Okay.

Starting point is 01:07:06 And then the symphony was $3.96. That's the season? Yeah, it's the season. Okay. I like classical music too. I get it. You just, I mean, you're in a situation. You're living a $150,000 month

Starting point is 01:07:19 left life. sell at $110,000 net a month. Really overspending. Access, ticket resale. Chamber or... You said this place was steps from the water. We just haven't found the steps yet. How much did we save?

Starting point is 01:07:39 Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your oceanfront room. Just steps from the water. The Hilton sale is on now. Book on Hilton. or the Hilton app and save up to 20% to get the stay you expected.

Starting point is 01:07:56 When you want savings, not surprises. It matters where you stay. Hilton for the stay. Orchestra. Yeah, and those are all for like next year. This is Destroy Our Lives for the Arts card, I guess. When does the interest start on this card? It's a new card.

Starting point is 01:08:11 Oh, it's a 15 month away. Yeah, so 15 from now? Yeah, from now. But yeah, you know, what kind of upset me about that one? It's like I put all those on there because they're supposed to be like 5% cashback on, you know, live orchestra performance. It literally says orchestra.

Starting point is 01:08:28 Really? Yeah, and as you see, they say orchestra, but they don't show up as orchestra, so it's kind of just like super disappointed. They counted as charitable donations. You just got two? I just got one.

Starting point is 01:08:40 Counted as charitable donations? It counted as charitable donation instead of a... Cling that. Well, I'd have to itemize my deletions. It wouldn't. It gets brutal. probably wouldn't make sense. Okay, Capital One Quicks over.

Starting point is 01:08:59 You have so many cards, man. What kind of finessing? Are you trying to do? Well, I was just trying to have it like, you know, get the 5% back on, you know. You try to get every cash back thing you can, every intro, whatever. Yeah, the bank's gone.

Starting point is 01:09:12 $841 and $4. Minimum monthly payment, $25. Foo. It's just getting hot. This takes five years to pay off, minimum monthly payment only, $8.53. again you got paid off the previous was the previous zero dollars so not really but there's a hotel wait yeah this is a fuck on my travel oh so another accident yeah yeah can't wait until you guys start having intercourse um accidents work real well for you then you gotta have an emergency

Starting point is 01:09:49 fun for those yeah yeah no i mean keep going what's your little accident We got Air France. We got Relay. We got Air France. I guess. And the geography. I guess you can guess. No, no.

Starting point is 01:10:02 I don't know. The wrong ticket? You fucking bought to Zimbabwe? No, I mean, I missed the flight. I missed the flight. And then, yeah, how to rebook it. And now you're going to miss your payments before your interest is. You're predictable.

Starting point is 01:10:19 That's the car I should use on that international purchase because it has no international fee. So that's why I used it for those zones. because they were in France so I had to get a hotel and I had to redo the ticket see the real the real issue of that one is like the ticket

Starting point is 01:10:35 you know that's like one thing but man they they overweighted my bag so like my carry on bag like I was already through security and everything and then they made me go back through

Starting point is 01:10:48 and pay like 300 for it but that sucks I mean I should just throw on the books It's life things. It's the things you expect nothing to happen. And then life things happens. And then you're like, oh, shit, I don't have to pay this extra shit.

Starting point is 01:11:03 It always happens. And it's going to happen. And then you delay all these things that you're going to have to pay $20,000 right now. It's like, look what happens, man. Okay, at 0% until... It's not. I don't see a date. Oh, it's not 0%.

Starting point is 01:11:16 No. Okay, big balance coming. $841 and $4 on that. Add that on to the tally. Add that onto the tally. Okay. Let's keep going. That just fucking keeps going, man.

Starting point is 01:11:32 U.S. Bank, what? That was the one where they give you like the global entry free. So that's why I got that card because I was doing a global entry. Oh. Yeah, it was coming in. Okay. Now payment, $40. You owe $235.

Starting point is 01:11:56 I mean, it only has a limit of 500, so it's not like you can spend much on here anyway. I mean, you spent $593, but you put a little bit more towards it than the minimum. Yeah, you had to spend $500 to get the... So the credit line. To get the whatever $200 reward or whatever. Arts Complex, Uber Trip, Uber Trip, a little bit of dental, got some booking hotel. Uber, Uber, Uber, that's Uber. UPS, Walgreens, Radiology.

Starting point is 01:12:28 Yeah, that makes sense. ER, yeah. Sitting at 21.24% interest rate on this one. Yeah, that's pretty low, actually. It's not low. For a credit card. For a, yeah, compared to 30% credit cards, but it's not low. I'm shocked.

Starting point is 01:12:41 I'm shocked that's only 21, to be honest. Okay. Are we celebrating? No, I'm just saying, I'm surprised. You know, I feel like they're most of like 28, 29, 30. Okay. U.S. Bank. This one we're not going to put in the deck

Starting point is 01:12:57 is only $40 and there's a $40 minute payment. but you did purchase two of four, what could that money have gone to instead? Well, that was, that's my utilities card. So that goes to electricity and internet. Yeah, Comcast. Utilities.

Starting point is 01:13:16 Is that all your debt? You're not on your car? No, I don't know. That's good. Is that all your debt? Yeah. One, two, three, four, five, six, seven, eight. So all the credit cards that are about to come due

Starting point is 01:13:29 is $20,217. and 92 cents or else interest will start accruing and all the finessing we've done will go to fuck you. It's only two months worth of pay.

Starting point is 01:13:45 Do you not have rents? Do you not have utilities? Do you not have food? We know you have food. Do you not have extra cost that? The food's on there. I mean, the food's on there. You have future food to get probably.

Starting point is 01:13:55 I bet you're going to keep eating. But I bought it in Vince. How many months? I mean, at least one. Then you're probably going to go buy five for next month. Yeah. That's funny.

Starting point is 01:14:07 I'm about the sort of current. Yeah. I mean, yeah. I mean, at a certain point, you eat all the food, but I do have, like, food. And you will have to spend money. Money you do not have because two months gross. Gross is what is needed to pay off this debt and a little more. What is the, staple, staple, stapler, scoopers, super, super, super, super, super, super, super, super, super, super, super, super, super, super, super, super.

Starting point is 01:14:31 I mean, I want to tell you. I want to tell you the reason, but you're going to like, probably... What? Okay, so they had it like a promotion. Oh, super, super, super, super, super, super, super, super. Look, look. Old Merit. Super, super, super, super, super, super, super, super, super super super super super super super.

Starting point is 01:14:47 You have... Super super super. Can I get it? What? Okay. So that was like, okay, so they had this promotion. You do every promotion you can find. Okay, so they had the, well, no, it's just with the bank.

Starting point is 01:15:05 Like, so like, if you make a, if you make a, if you make a, purchase on your credit card, they'll, not on your credit card, but on your debit card, they'll round up the difference. So I was essentially buying one can of cat

Starting point is 01:15:19 food at a time to get the most roundup. And then, like, actually on that Staples purchase, it sounded like a couponer. On that, yeah, it took way too much time. And then they got mad

Starting point is 01:15:31 and told me they would, it was suspicious activity. But so on the Staples one, I actually made money on that purchase because it was like... How much? Like $2? Like 40 cents. But like...

Starting point is 01:15:43 But no, it was like a 30 cent purchase, but they gave me 70 cents. Oh, on that purchase. What did you make across this whole thing? Oh, I mean, I don't know. Like probably like 25 bucks or something. But yeah, it's funny. Like, it was kind of an infinite money glitch. If you spend 30 cents and they give you 70, that's probably why they said it was suspicious activity.

Starting point is 01:16:08 Yeah. But like, hey, a... real infinite money glitch there. Okay. $5 in this account. Capital one. It's curious. $500 went in, $500 went out.

Starting point is 01:16:27 Yeah, well, so they had a promotion. Oh my gosh, dude. They give you $300 if you do two direct deposits in there. So you make $110. I'm not saying don't be frugal and do all these things. Your time could be better spent. doing something else, especially in the world of what you do for a living, you could totally pick up some random little side projects.

Starting point is 01:16:49 Yeah. And make more than you are, the little bit of money you're spending on all this finessing. I get it's fun. I get it's fun. I mean, I am working the second job at night. So, you know. What? Yeah, that's why my income is so high.

Starting point is 01:17:04 Oh, so that's two? Yeah, yeah. Yeah. Well, damn, I thought that was one. So you definitely aren't on the chopping. for layoffs then with what you're probably making in your software engineering job. And we're about to hire some engineers for our apps. I shouldn't mean email if you want to.

Starting point is 01:17:21 But I mean, we're paying just the basic people, what you make for both years combined. Oh, 52 cents in this one, 4,774 came in, $80 debit card withdrawal, and then $4,705 went out. What are we doing? So it's going all over the place, the different Schwab checkings and stuff. Yeah, it was because I was going to that trip to Cameroon. So these accounts all had like international fees. So I got it in a shrub account that didn't have international fees. Okay.

Starting point is 01:18:00 And that actually. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. Makes sense. That's a good finesse. That probably was worth the time investing $127. That's the swab account.

Starting point is 01:18:27 Okay. Okay, so here's the title. So $13,000 is your six-month emergency fund. I doubt it. It's not enough to live off of six months for you. What's your rent? What's your rent? What's your rent?

Starting point is 01:18:40 Rent and utilities, $2,100. Okay, this is not enough for us. This is not a six-month emergency fund. Right, I know. and it's going to be all gone to pay all these things. Which is, those are not emergencies. What you have done is a disaster and is not. You're not doing this right, okay?

Starting point is 01:18:56 The finessing works if you pay it off and you can make the difference and all that stuff. You're having to use your emergency fund to take care of it. That does not count. That is not finessing. That is you putting yourself in a dangerous position. That is not good finances. Simply put, I need to be clear because you feel like you're doing this right. You're not.

Starting point is 01:19:16 You're destroying it. I know this wasn't like crazy finances type of episode, but you're still fucking yourself. And there's going to be people out there that are related to this because they're thinking they're finessing. You're draining your emergency fund. Yeah.

Starting point is 01:19:33 Yeah. I mean, you're right. I am draining the emergency fund. But that's because I had some emergencies. No, you're draining the emergency fund to pay off your credit card, which at least a thousand just this last. month alone went to Ms. Laney's someone going out to eat. It wasn't crazy amount.

Starting point is 01:19:53 It is not just the emergencies. You did not need to pre-buy all the water and all this bullshit. You did not need all the computers back then. You didn't. You could sell at a reasonable price now and try to pay for things. You did not need to pre-order all those filters and whatever. You did not need to go to Cameroon right then at that moment. I know what you want to do. It's not about want. I'm talking need emergencies or needs.

Starting point is 01:20:18 I mean, I could have waited indefinitely and she could never get a lot of to come over here. I didn't say way to definitely. I did not say way to definitely. And okay. But maybe not the same month that all these bills are due and emergencies are hitting. Yeah, but okay, I didn't know. Okay. But like I planned the trip before any of those emergencies happened.

Starting point is 01:20:37 So I didn't know it was going to be the same month. So that's like kind of how I got like in that situation. It's like, you know, I planned the trip. set it up and like right at the same time the medical thing happened and then uh and then as soon as i got back from the trips the car thing happened so it's just like i know rough time right but you i mean i'm saying i didn't plan it all spent a thousand hours of misleading some money going out to eat some other things as well it's like you're spent you still spent money what's that what's that orange section um they're going out to eat which it's a little higher because of the the the beef was

Starting point is 01:21:14 put in there but it was still a couple hundred dollars going out to eat oh that big orange on the side? Oh, large purchases. General large purchases that are a little harder to categorize. Okay. That is a sandwich raw, airlines ticket, tax payment, tax payment. Oh, yeah, I had to pay taxes. But I paid them.

Starting point is 01:21:32 I mean. Yeah, but again, you're doing this all at the same time. You're not willing to space. You can't space the emergency funder taxes. You can space the miscellaneous bullshit, which is just as much as the taxes. PayPal's out $2,511, hotel booking. K-1 visa application fee and international travel out.

Starting point is 01:21:49 So it's a big, big chunk, 5,827 for all that. A little bit on the subscription side. Medical health care, that was a big chunk, obviously. Unknown shopping very small. It's typically Amazon, Walmart. You don't really have that kind of stuff. Necessary food.

Starting point is 01:22:04 We got that transportation and then housing. Well, the good news is like a lot of those purchases aren't going to be recurring. Yeah, but now you have $20,000 right now. And you only have $12,000 for your merchandise. fun so you still need to basically put all of your net income towards it to pay it off for a month yeah it says to not go the way you thought this was gonna go you tried to finesse push yourself way too close to the edge it's a lot of 20 cent yes yeah 1,300 in retirement

Starting point is 01:22:46 well you're definitely not going to be a 4 out of 10 if this is your entire retirement i thought that would be the one thing that there is an IRA too it's a 6,000 hours you're still dramatically behind for your age. Yeah, well, I know. Dramatically. I know for your age. And you have to catch up to an emergency fund again. So, I don't know. Let's get your budget.

Starting point is 01:23:05 $10,000 is the income. Woo-woo. I mean, some time is past, you know, so, like, I have gotten paid a few times. Huh? Gotten paid, you know. What? What?

Starting point is 01:23:16 I've gotten paid $10,000 since maybe more. What are you saying? Well, yeah, I've been accruing income this whole time. Yes, I assume you were making money. Yeah, I know. Well, I didn't say you weren't making money a month ago. Well, I know, but I'm saying a month has like happened. So, like, I've made a month worth of income.

Starting point is 01:23:33 And you had a month worth of expenses. Yeah, yeah. But, okay, but I pre-bought a lot of these. Okay, yeah. You pre-bought, but you're a pre-buyer, which means you're still going to pre-buy. And again, emergencies happen. That's right. That's right.

Starting point is 01:23:49 Debt payments, if we just at our minimums, $259. What's your rent and you? utilities all combined? 21. Is that including the internet? Yes. Phone bill? None.

Starting point is 01:24:01 Okay, I'll do helium if you need it. Okay, gas, room from drive, drive. Like, 150. Car insurance? Like 75. Okay, you can do, I'll give you $400 for groceries. It's higher than normal, but still just meal prep, meal prep, meal prep. Try to live on the cheap until you get an emergency fund because there's an emergency

Starting point is 01:24:19 not to have a fully funded emergency fund. Look at what's happened to your life. $100 for TP fund. anything else you need to survive, toothpaste, all that good stuff. Medical health care. Co-pays? Multi-Basasas, medications? I mean, outside of this one, like, emergency thing,

Starting point is 01:24:32 I haven't really had any medical bills. Out of pocket? Okay. Yeah, I mean, dental. What about your cat, age health? It's like 17 years old. Okay, no pet insurance. Cat food, how much? $70.

Starting point is 01:24:45 Maybe something like that. Jim? No. I do cartwheels in the park. Of course you do. Anything else that needs to be in your budget that I have not taken an account? No, not really. Well, yeah, I mean, the food budget is a little light, I guess.

Starting point is 01:25:09 But I don't know. All right. Well, I mean, this is as simple as it is. What are we doing? It costs you $3,054 to survive on a monthly basis. $10,000 is needed. Pay off the day in a couple months. Take six months building an emergency fund.

Starting point is 01:25:31 I don't know. is pretty chill, pretty easy. You just have to, like, just live on your needs and not go crazy. Right. Well, okay, but even with that, right? Like, how long, like, that's going to take, like, I mean, that's going to still take a long time to get, like, a down payment for a house, right?

Starting point is 01:25:50 Yes. Yeah. But you don't even think about that until you have a fully $400,000, so I don't care about that for right now. And also, you're only willing to buy a house once the market collapses and the bubble breaks. So spending a budget, you overspent, zero out of ten. I know they had to do with emergencies, but you still spend money that you didn't necessarily have to on some things as well, especially for that time. Debt, not great

Starting point is 01:26:11 debt that's about to accrue, but it's not the worst debt by any means, especially for your income situation. I'll give you a two out of ten there. Emergency fund, I know that I'll go to that, but I would add to the debt score and take away from the emergency fund if I was calculating that part into it. So right now, I'll give you a six out of ten for emergency fund retirement. Definitely behind for your age, pretty intensely four out of ten, maybe even a three, but I'll be I'll be generous. 0 out of 10. Hammer financial score, 2.5 out of 10.

Starting point is 01:26:37 Guys, make sure to join us for the post show. We're going to hang out there. Make sure you join Hammer Elite. That's the best version of our YouTube membership because it's the best YouTube membership on the platform. The platform has even said so themselves. And we don't want to be like this. And you actually want to pay your bills on time and interest not accruing.

Starting point is 01:26:52 Download the Pudgeoning apps on it for the annual version. I'll sign the cookbook and I'll send it directly to you. Join us for the post show. Hello, my Cameroonian Princess. How are you? I'm fine. How are you? opening message was like, hello, would you like to come to the United States? I'm lonely.

Starting point is 01:27:06 Yeah. How do we know you guys love each other if that was the message you responded to? We couldn't really say we love each other. 8,000 hours of debt and he'll have no savings. How does that make you feel? Some of who went to you. Inclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You're great at protecting your data, but lots of places could still experience.

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Financial Audit - Financial Audit: 90-Day Fiancé

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