Financial Audit - Financial Audit's Biggest Cuck

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Starting point is 00:01:06 You were in the secret relationship. We were engaged for three years, and we spent three years planning a wedding, but she was busy marrying other people. What the fuck are you talking about? We weren't ever legally married. The total of people that she was married or engaged to was at least like, Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and

Starting point is 00:01:33 notebook signed and mailed directly to you. Link in the description and pin comment below. Hey, my name is Nate. I'm 25. I live in Houston, Texas, and this is Financial Audit. Nate, thanks for coming over. What do you do for living in Houston? I am a OVN at a skilled nursing facility. What's an OVN? I don't know. Licensed vocational nurse. So I'm one step below an RN.

Starting point is 00:01:54 Okay, what do we make in that then? I make 33 an hour. Not bad. How many hours, though? Anywhere between 40 to 60 hours a week. Sometimes I'll have. What's normal? Normal, probably 90 to 100 hours biweekly.

Starting point is 00:02:13 Okay, cool. What's in your account on a monthly basis? I think around like 5,500. Honestly, I don't. On a monthly basis, that's not bad. I mean, Houston, it's not one of the more expensive cities for the major cities in Texas. So, I mean, it works.

Starting point is 00:02:29 Okay. Why not RN? Why did you not go all the way? So I'm actually in school right now to become an RN. But that did have to take a pause. I took a three months sabbatical because I can't afford it. Just three months. You didn't qualify for any student loans?

Starting point is 00:02:47 I qualified for student loans, but they're not covering enough. it's just the regular like subsidized loans but I don't qualify for anything else what how much did you qualify for I think that they gave me $6,000 I'm honestly not sure

Starting point is 00:03:04 I wasn't paying that much attention Well you weren't paying that much attention But you decided you couldn't pay for school Okay So I was paying attention to how much I was gonna have to pay out of pocket How much are you going to have to pay out of pocket Starting this quarter it was $1,300 like $1,350 a month

Starting point is 00:03:19 Or you were going to pay quarterly? They pay, so I have to set up a payment plan if I can't pay it all up front. Yeah. So they only let you pay for the three months of the quarter. You have to pay that up front or can you pay it monthly? Monthly. Well, what's your monthly fee be? 1350. Where do you go to school? It's a private college. Why? Because that's your choice. It's a bridge program. It's for LVN to RN and I didn't have any prerequisites going in and so becoming R.N. would take me four years. How much more schools left? I will graduate June, July of next year. Yeah, but June, July of next year, based on when do you start again? I'm going to start back at end of June early July.

Starting point is 00:04:06 So you have a full year? Yeah. Of $1350. No. So for the quarter that I'm going to go back into is going to be $13.50. And then there's the potential that the following quarter, my payments will go up. I have like four or five more quarters left. We'll go up? Yeah. I started out paying... How are you living right now? How do you feel? What's going on?

Starting point is 00:04:31 I'm living paycheck to paycheck. 5,500 without the school payments? Is paycheck to paycheck net? 5500? Net? I just stopped the school payments this month. So I finished the... Okay.

Starting point is 00:04:45 The last quarter ended the end of March. How many hours of the week? Were you working during school? I was working full time 40 hours at least. Wait, why couldn't you pay the 1450 then? Because now I'm going to have to be in school more full-time. So the last two quarters, we were doing online classes only. How many hours a week would you have been able to work in this new semester format?

Starting point is 00:05:06 I would be able to work really only weekends, but I would be able to average 36 hours every weekend if my job had the availability. Okay, so obviously we're trying to figure out how to pay for it in the future. Why are you here? I'm originally from California. I was born and raised in California. So we better go to a private school in Houston, I guess. Well, September of 2023, I didn't have an option, but to run. I left to run?

Starting point is 00:05:38 To run. What are you running from? My ex-wife. Does she have a knife? What are we? What do you mean? So I was in a secret relationship for three years. You were in the secret relationship.

Starting point is 00:05:54 Yeah. So, no, it's that I was engaged to somebody for three years. She was also engaged in marrying multiple other people while we were together. I'm sorry, I'm just noticing something very interesting. I just have to call it out because your ginger is so light, you know on your face, you can only see the little caps of the mustache. Yeah. Meaning, as you have this, only this is available.

Starting point is 00:06:22 It's like a cat whisker. But you can't see this. No. Is this why she was hiding you from the world? No, I think she just really loved the fact that I had money. When we first got together. Oh, you did. I did.

Starting point is 00:06:37 I had $30,000 in savings as a 20-year-old. So she, but were you making a lot? or did she just like that there was a little pile there? She was 31. So I was 20 and she was 31 when we got together. That's crazy, but she was after 30,000 hours? Well, so I had started nursing school at the same time that we got together. And so she had just really seen how much money I was bringing in with a disability settlement

Starting point is 00:07:06 and then seeing the potential for money coming in, being a nurse out in California especially. And so I... At that time, I was a CNA and then when I became a nurse, my starting wage was 28, and I ended up making $38 an hour before I left her. I mean, no, no, it's very good.

Starting point is 00:07:27 California's higher, you know, in terms of what it costs to live. But yeah, 38, it's great. It's usually not like sugar daddy status, so I'm a little confused. Well, so she, I... She only liked you for the money? I would assume so.

Starting point is 00:07:43 I think maybe... What do you mean by secret relationship? So, everyone on my side of the world. So my family, my friends, everybody knew that we were together. Okay. Her family, her kids that she had that I was helping raise, didn't know that we were together. What? Okay.

Starting point is 00:08:00 That doesn't make any sense. What did they think you were doing? They just thought that I was her best friend. Her... Okay. I'm... Okay. How old is that?

Starting point is 00:08:11 the kids? One's 18 now and the other... No, was he a fucking moron? Wait, how old are you now? I'm 25. I was 21 at the time. Was he like a dumbest 15 year old or something? He's very intelligent.

Starting point is 00:08:26 I mean, that's probably the smartest kid I've ever met. I think he knew. I don't think so. But she proposed to me a month and a half into the relationship. So I'm... What the fuck I was doing? At this time, I was 21. I'm still a kid.

Starting point is 00:08:40 I lived at home with my parents. You were not a kid. I lived at home with my parents. I wasn't really doing much with my life. I had dropped out of college twice at this point. Congratulations. You made the adult decision to do it. You were three years into adulthood.

Starting point is 00:08:50 Don't say you were a kid. If you were a fucking kid at 21, you shouldn't be able to let a drink. You shouldn't be able to have a car. Well, that's the time she was my boss. So she was impressionable on me. She was your boss. Okay.

Starting point is 00:09:02 Listen, she was impressionable on you, but let's not use the I'm a kid. I'm not going to let you infanticize yourself. If you need daddy to hold your hand for you to make any life choices, then you're right. you're a kid, but you're 21. Stop with the stupid Gen Z infantilization.

Starting point is 00:09:15 You're an adult. You were three years into adulthood. So I left. Just please don't use the kid thing because you're not going to get sympathy with me with the kid thing. The boss thing, that's weird. And we can talk about that, but don't do the I'm a kid at 21. Like, fuck you.

Starting point is 00:09:29 You're not. And if you actually were too immature to be able to choose who you're having dinner with, then guess what? You can't have a job. You can't serve in the military. You can't smoke. You can't drink. You can't drive a multi-ton.

Starting point is 00:09:41 monster down the road, okay, if you can't decide who you're getting a salad with. So no, I'm a kid. Boss, weird. Not for that. Go ahead. Tell me. She also would make me take the engagement ring off that she gave to me. So any-

Starting point is 00:09:56 Tell me about the boss thing, because this is like, it might be, like, almost, not predatory, but, like, very inappropriate. So we worked in the same office. We worked at a skilled nursing facility out in California, and I had gone to, an admissions office because I got an injury on the floor as a CNA and I'm no longer allowed to work as a CNA. And so that's

Starting point is 00:10:18 where a lot of my $30,000 I ended up coming from. So she was the admissions director in that office. Oh, fuck. It was just me and her. How to start? She would start to make comments to me. Like, ooh, I love your

Starting point is 00:10:35 25% of a mustache. Like, no. Like, she would say I had gotten a new car and she would say, oh, when are you going to take me on a road trip? And then she was messaging me one night and we had been talking about work. Can I ask a penis to penis question?

Starting point is 00:10:53 Was she attractive? I thought so. Okay, well, you thought she was attractive. Yeah. I mean, if you thought she was attractive, you thought she was, even if she was in a position, you know, it's a bit, it's a, can I see a picture?

Starting point is 00:11:06 I don't have any. You don't know her name? I know her name? her name, but I don't, I, she's not a part of my life anymore. Right. Okay. So I don't, I don't have any access to her. She has no access to me. Uh, that's your business. But like, could we look her up? Lindsay's asking. Oh, uh, sure. If, if you want to. She's, she's the tea queen. No, each one. She just wants to see it. And I want to see too. Listen, it's not going to be on screen. It's not going to be on screen. Um, okay, I do have to ask one question, though, out of just concerned

Starting point is 00:11:39 for you because again in the age of Is this Instagram? Yeah. She's on Facebook. On the age of buzzwords and everything. Yeah.

Starting point is 00:11:48 You know, I just want to kind of see what things were. She was in a position of power. Correct. Positions of power exist in every instance of life. Right. The existence of one is not a bad thing.

Starting point is 00:12:03 The abuse of one is a bad thing. Did she ever leverage something over to your head saying you will not get a job, you will not get paid, blah, blah, blah. Or, or equally as bad, I will give you this from my position of power if you do this thing with me.

Starting point is 00:12:18 Did she do, if she did either of those, those are abuses of power and that's bad? No. Okay, so you wouldn't say there was an abuse of power dynamics? No. Okay. That's as just, as if we're having this conversation, it's an important conversation to set the stage with. Especially since, I'm very curious

Starting point is 00:12:35 to hear how this full running to Houston going to a private institute and getting a truly, I mean, listen, we have a lot, we have a ton of debt here. Yeah. Oh, we have a ton of debt here. Kill me. Okay.

Starting point is 00:12:49 Yeah. No, this is, this is the, all right, this is going to be an interesting. I actually can't even find her. Okay, well, it doesn't really matter that much. I was just, you know, you know, I was just like, well, as a dude, you know, if I saw an attractive person, it would be like, you know, maybe I'd flirt too. Yeah, boy. And I felt good about myself.

Starting point is 00:13:10 It was like a confidence boost. I have this woman who is 11 years older than me who's attracted to me. You think that I'm doing good for myself. You think that I'm capable to be a husband and to... That's an immediate jump. Okay, wow. Well, because a month and a half thing, she did propose. Okay.

Starting point is 00:13:27 You made it sound like she flirted with you once and they're like, I'm a husband now. No. Yeah, that's crazy. Did that not draw red flags like fucking mad? Oh, it did, but... I see red flags as green flags. Okay, you're going to have to explain that because that's the most thing I've heard. I've been with people who are not good for me.

Starting point is 00:13:49 So people who are unhealthy for me to be with and interact with, it's just what I go for because of the crap that I dealt with growing up, I just decided that that was the way to go. And I thought that, you know what, maybe being with somebody who seemingly had their shit together. How old is she now? turning 36 this year no turning 37 this year

Starting point is 00:14:15 okay so she had a kid at 1819 and you were honestly kind of closer an age to the kid than her to her oldest yeah I mean it's weird don't get me wrong the proposal thing is crazy and you think it's all because she saw 30,000 dollars in a checking account because that is not a make a break life thing I think she saw long term money

Starting point is 00:14:35 and somebody that cared about her because for me like you'll have a good medical Right. Potentially upper middle class, but it's not even like a true gold digging. Well, I'm also somebody who cares and she had seen that I would go above and beyond for people because she had asked me. So you accepted the proposal? Yeah.

Starting point is 00:14:51 Why? I thought that I was in love. Okay. Well, yeah, first month, everything's heated. Everything's exciting. Right. And so I ran with it, and she ran with my money. She knew how much money I had the whole time.

Starting point is 00:15:06 What did she do? She would consistently check it. in throughout the years of us being together, consistently checking in to see how much money I still had left over in my saving his account. And she would say, oh, I thought you had more. Or, oh, I thought it was all gone by now. Her intent was to drain me of my money. Yeah, but then there were legal issues because you were involved in a marriage situation. It's not that she could just leave. Well, we weren't ever legally married. However, she was legally... Did you know that? I knew that, yeah. We were engaged for three years and we spent three years planning.

Starting point is 00:15:39 But she was busy marrying other people. What the fuck are you talking about? Oh, this is Fullhammer Springer today. Caleb Springer, whatever we've called it, Caleb Bovich. What the f f f you talking about? And that is why I ran. So I... Tell me, tell me, give me context.

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Starting point is 00:16:23 Isn't it nice to have someone like that on your side? Save up to 40% your first year at lifelock.com slash Spotify. Terms apply. Of 23 weird stuff is going on. And she had gotten a new job, but she was working really odd hours for the position that she had. working overnight to be an admissions director for a skilled nursing facility, you don't get admissions at night. I was just, I was naive, and I cared at that point, I knew what was going on, but I cared more about the kids. And so during this time, she's rescuing her ex-brother-in-law, who is a drug addict, who's homeless.

Starting point is 00:17:00 Sure. She's getting me involved in the care of him. She didn't marry him. She did. She married her brother. her ex-brother-in-law. She married him. She actually got pregnant with him

Starting point is 00:17:14 and that's why. What the fuck are we too? I found that out when I left. The day that I left her, I found out that she was pregnant. Which is funny because we had done IVF about a year and a half prior. What the fuck? That I paid for out of pocket.

Starting point is 00:17:28 That's so expensive. How much did you spend on that? Um, a couple of grand. Okay. It's not as bad as I thought, but that's fucking crazy still. I don't know if it ever actually happened because it was during COVID time and so I wasn't allowed to go to

Starting point is 00:17:41 the appointment. Can babies not get pregnant? Oh, okay. So she, yeah. Sure. What the so. And you guys live together this entire time. No. So I was living out of a bag in like a spare room, storage room

Starting point is 00:17:58 is situation in a house that she had with her best friend and her kids turns out her best friend also happened to be her domestic partner. Wait, how many people was she fucking? At least like five. At least five from what I can count.

Starting point is 00:18:15 And that's all that I know. I don't know if there was more people intertwined in this web. This is very, I don't give a fuck, whatever. Were you guys... Me and my ex? Yeah. Yeah. Okay.

Starting point is 00:18:30 Up until like April. And then she started to act weird. And then... So what do you mean by run? You ran? Because we're talking... We're setting the stage, right? You're in this debt because of this.

Starting point is 00:18:41 So what was this run instead of like just move to like a half a city away? What was this run to like across the country? She would consistently make comments, casual comments, just throughout conversations randomly. You know, if I wanted to, I could harm you and then I would be with your mom. You didn't call the fucking cops. I, nobody believed this. So this is the problem with men experiencing abuse. Yeah.

Starting point is 00:19:09 Nobody believes us. Sure, but in the moment, though. At least in the moment, like past, that's hard. Yeah. But in the moment... I was more fearful of her. Because... Did she actually hurt you?

Starting point is 00:19:26 She had hit me a couple of times. Oh, my gosh. And she had tried to hurt the kids, and I had stepped in between. She doesn't still have the fucking kids, does she? Um, I have no clue. She had, she added a new one though. She added a new one with this ex-brother-in-law, that I put, I need to go into rehab.

Starting point is 00:19:46 There's someone in that room. Yes. Well, how long ago was this? So that, I, I left California's Labor Day of 2023. Okay. Why Houston though? Like, you could have gone to like... So my sister lives out here and I, I plan my move in a week.

Starting point is 00:20:03 I mean, I, there wasn't much planned. that went into it, I just ran as fast as I could as soon as I could get out. When did you decide? Okay, it was a fucking time. I decided a Thursday night when I found her wedding pictures. Oh my goodness. And confronted her about it. Sick. And she said, are you really going to do this right now?

Starting point is 00:20:22 That's Photoshopped. And I said, oh, okay. You're right. I'm not going to cause a scene right now. Her and the family went to Disneyland. I stayed. And then I started packing my stuff and I moved. I didn't tell anyone.

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Starting point is 00:21:56 Okay. What were your finances when you moved? Um, I was in debt close to $100,000. From her? From her. From her. From her. From her.

Starting point is 00:22:04 From her. From her. From her. From her. $1,000. From her. Oh, what was it? Over how long?

Starting point is 00:22:13 Over the course of the three years. What was it, dude? I was paying her rent towards the end there that she wasn't actually paying. I was taking care of the kids. I was taking care of the house that I didn't actually live in. I was taking... I bought her a truck. What the fuck?

Starting point is 00:22:33 Why? Oh, fuck. Okay. But you are you are... in love like the first month, the last two years? I still deeply loved her, and I thought you know what? You're

Starting point is 00:22:44 f***ed up in your own right. Let me do what I can to at least help you because you've you've gone through a lot, you know? What the fuck did she go through? She lost her mom at 11 and she had a... That's sad. That doesn't mean you... And so, well, I also took care of her grandma

Starting point is 00:23:02 who was on hospice and... You were not her. But it was her grandma. who was essentially like her mom at that point. Yeah, that's really hard. That doesn't mean you hurt people. She passed about a year and a half, two years into our relationship. Okay.

Starting point is 00:23:14 A hundred, a fucking hundred thousand. A part of that hundred thousand was me paying for like hotels and stuff like that for her newfound husband. What? Did you know you were? Oh, you thought it was just her brother-in-law? Right.

Starting point is 00:23:28 I thought I was helping a guy who was a dup addict who needed to go to rehab. How, okay. How many people did she get married to what you guys were together? While we were together, I think it's just the one, but the total of people that she was married or engaged to was at least like five. Why doesn't she just fucking move on? Why did she have to marry? I don't know.

Starting point is 00:23:50 Maybe she gets better benefits. I didn't come with benefits. I'm still on my parents' insurance. You did. You went 100,000 hours into death for her and lost 30,000. That was your benefit. Yeah. At the time, it felt like I was doing all the things right.

Starting point is 00:24:06 it felt like I was worthy, you know? She made it seem like I was undeserving of her, so I would have to do all of these things that way she could say, okay, you're right, you do deserve me in your life.

Starting point is 00:24:29 You do deserve these kids. And she wouldn't let you wear the wedding ring. Not in front of her side of the family, the kids, the now. $130,000 to a woman that wouldn't let you wear a wedding ring. Yeah. Okay. Well, let's jump into this money, dude.

Starting point is 00:24:46 What do you think your score is zero to ten financially? Zero to ten, zero being the worst, ten being the best. Obviously, your pussy score is negative five. I'll say like a two. Okay. Okay. Okay. The Audrey Hammer financial score.

Starting point is 00:25:03 Take the assessment at Calebhammer.com. See where you stand. The link is also in the description below. If you want to come on the show, you can also go to Calebhammer.com slash apply. We'd be happy to have you. All right. All right.

Starting point is 00:25:21 First off, a chunky fucking balance, dude. A chunky fucking balance. What is on your, I mean, listen, how have you been living well at school? Specifically, because in order to get these balances up high, I mean, are you spending on bullshit? Like, what is happening?

Starting point is 00:25:39 Like, this has gone insane. It's an Amazon cart. That's been maxed out for a while. If you're making minimumity payments alone without making any purchases, it would go down. While. Yeah. But it would go.

Starting point is 00:25:53 There's purchases on here. Because sometimes I don't have money in my bank account, and I need to buy food or something. It's not fucking groceries that would last you. You tit, you fucking ginger tit. It's renting a movie. It's Amazon Prime something, and that's something on Amazon. Let's have pull over Amazon.

Starting point is 00:26:18 Let me see. Let me see. It's not. I think it, okay. We know it's not monocino either. I ended up getting a cat. And so. Oh, we can't afford to take care of ourselves.

Starting point is 00:26:30 We better get another living thing that we have to take care of. Wise choices. I felt bad because she was home alone all the time. And so I. When you had her? Or before you got her? No, I got her in like November or December. And so.

Starting point is 00:26:46 And then you. you felt bad she was home alone all the time from you or from her previous owner? No, from me. I felt bad that I was having to leave her all the time. Good. Okay, go ahead. So I ended up buying a like cat tree and stuff like that. $154.73 is your minimum fee payment.

Starting point is 00:27:04 $4,868.4,86 is your balance. Purchasing $31.96, 36, $36, $96, $97, $97, $97, $97. In interest. It's not loading. All right. Let's see. Orders. Five pack of six-foot USB cables, C-to-C,

Starting point is 00:27:30 Fairyland Coloring Book. Adorable Farrant's Furnerese, yeah? That's for my niece. Congratulations. Is that what keeps your cat occupied? Glisten Garbage Disposer Cleaner. We're cleaning our garbage disposal

Starting point is 00:27:45 when you can't afford to live. allergy relief i can volley with that top kit 57 inch multi-level cat bull shit you insane a stupid expensive printer go to the library

Starting point is 00:27:57 I was needing to print stuff for school which I've now had to hold up library! Bowl a washing bowl towel holder I was buying

Starting point is 00:28:12 my wind men snow jacket in Houston Texas we had a huge snowstorm Chew necklace sensory Yeah, you had the snowstorm By the time your package got there, it was probably done No, it helped me get through work Working in the snowstorm

Starting point is 00:28:27 What's it? What do you do? Like, you're in the fucking hospital? No, I'm in a skilled nursing facility, but Yeah. Yeah, I don't know. We can't afford to live, guys. Chewable sensory necklaces. Okay, not even a thing for that.

Starting point is 00:28:46 In the cart is reset. how to change what's not working book um two picture frames and a dr arthuritis back brace support belt i got uh injured at work uh like a month and a half ago and i have two new herniated discs and so i was looking into buying a back brace but at work you did you let another cougar break your back yeah pretty much um no i My job doesn't have workers comp and so I've been having to pay for everything out of pocket. And so that's also kind of... How long does this take the payoff?

Starting point is 00:29:35 Big guy, how long does this take the payoff? Lovely lad. I don't know. Oh, come on. How long does it take the payoff? Probably 15 years. 17 years. Do you even know what you spent on?

Starting point is 00:29:48 Because you just told me about the cat thing, but you had all that extra stuff. Yeah. All right. I... You do not get to leave this building. until you download our budgeting app. You download the budgeting app, linking the description for everyone else, but you download the budgeting

Starting point is 00:30:01 app, and it will least tell you what you're spending in each category updated multiple times a day, and you'll see where your money is going. You can set limits on different things. You can just got to be so smart. It's automated. It's so, I don't understand that it's so fucking basic. Problem is, is that I have impulsive behaviors. I don't know, but you can at least see the results and adjust.

Starting point is 00:30:20 Right, but so for me, like, it's something that I'm newly adjusting. What are you talking? Huh? Is that why you have the How to Fix It book? Trying to. Okay. Income was $3,59. I know how much you spent, but I want to see what you think you spent category-wise. Can I have the whiteboard? I want to see you do this. I know you like free things and I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit Tumblr plus a 30-day trial. of simpler budget premium to new users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30-day simpler budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd,

Starting point is 00:31:16 so this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. and now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future or don't, and you can end up right here. I want to see where you think you spend things. Oh, they got me something special.

Starting point is 00:31:43 Whoa! Oh, I already have your categories, big boy. I need you to fill them in and tell me what each of them are in that color. What do you think you spent $1,632 on? What do you think you spent $93 on? What do you think you spent $496 on?

Starting point is 00:32:06 $138 on, $307 on, $318 on, $339 on. $160 on, $125 on. What do you think? Yeah, you're going to tell me, best guess. You live your life, you don't budget, you don't know anything. But go ahead. Please tell me. Best guess is, best guess is you're going to fill.

Starting point is 00:32:25 them in and write. Of course he goes for orange first. Double orange. And red. Come on. This is probably, this is probably rent. Okay, rent he has the big thick, that big thick boy.

Starting point is 00:32:41 Um, yeah. This might be groceries. Groceries. He says it's groceries. I don't know. This is probably eating out. I don't know.

Starting point is 00:33:05 Oh, you spend a lot, though. Where does it all go? This one might be guess. Where does it go? I don't, I don't know what. I've heard that already. Keep going.

Starting point is 00:33:13 I don't know anything else. You don't know where money could go in your life. No. Fucking my tits. That, so... Okay, he thinks... The problem with me is that I've been trying... This is something that I've struggled with my whole life.

Starting point is 00:33:28 He thinks $1,632 was spent on rent. Correct that was housing. That's the only one you got correct. What you said, groceries for $407? Yeah, that was going out to eat. And what you thought of going out to eat was $400, $96. That was just transportation. And then gas, $339. That was actually medical health care. The rest, unknown shopping, it's Amazon, Walmart. Now I know your Amazon is mostly necessary food.

Starting point is 00:33:55 That's $138. That was groceries while you're spending on bullshit was $710, basically. Miscellaneous bull's things that don't matter, video games, whatever, that prime video stuff, $116. And all the money that went to debt net. In the end, it was only $100,000. $25 while you spent $400, almost $407 going out to eat. I thought I had put a lot more in to... Net. Net. Because you spend on it. Yeah.

Starting point is 00:34:24 Net. A quarter of what you spent on going out to eat, win the actual debt. What are we doing, dude? What are we doing? You're away from her. That was a bummer. Right. That sucked.

Starting point is 00:34:41 But that was also two years ago when you're done. Three years ago when you were done with that. That is no longer why we are here. Here is your behavior in what you have spent on these items and what you're choosing to put towards debt. Your lack of budgeting, your endless impulse, not be able to spend it on a credit card. That is, you're over the credit limit on the Amazon card.

Starting point is 00:35:11 And it's just, at that point it's just choices. Because I saw what you spent on. Nothing there was necessary. nothing there was necessary. The allergy thing is probably the closest to it, but nothing there was necessary. Stim toy. Listen.

Starting point is 00:35:26 Buddy, I appreciate that you opened with the story to set the stage. I appreciate it, but that's not why you're here anymore. Look, it is your spending. You're over the credit card limit because of your fucking spending. Well, so I think what didn't help too is that I, so when I moved here in 2023,

Starting point is 00:35:44 I moved in with my sister, and I lived with her up until like January 7th of 24. And so I ended up moving out because I felt like I was, I just felt like I was in the way. I was sleeping on an air mattress in a hallway, essentially. And so I decided, you know what, let me just move out and get my own place. And so then I had to buy things to fill the new space. It was my first time actually having a place of my own.

Starting point is 00:36:13 And I also pick- So let's destroy our life? I'm confused. What? When I got my first place on my own and I didn't destroy my life, we all have our very first place of our own at some point. Well, I also picked a place that I didn't realize that the rent was actually higher than what it normally would be for the... 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.

Starting point is 00:36:42 Fit for your ambition for Citizens Bank. Area, out paying like $1,800 a month. to, buddy, oh my gosh, you're not talking to the innkeeper. Like, that's not where we are in life. You have access to the internet beyond the amount of tools that anyone has ever had to see what rent is. In fact, I bet I could just fucking GPT real quick, Google real quick, the median rent in that area. When I had gone searching for apartments, I looked at like probably 15 apartments. and every time I would look at these apartments,

Starting point is 00:37:22 there was a couple of them where there was like a homeless guy sleeping in the elevator or like cars consistently getting broken into. And so the one that I chose was supposed to be safe. There wasn't any issues. That's not what you told me. You told me you got into a place and you thought you didn't know that that was higher

Starting point is 00:37:36 than most rent. I didn't, right. But it also seemed safe. So it also seemed safer to me. So there, when I moved in. Well, definitely for safety. Right. So the appearance of it was safe.

Starting point is 00:37:48 But then once I moved in, all hell started breaking loose. Cars were getting broken into, tires were getting stolen off of vehicles. The security gates never worked. I would lose power and at the same time I would lose water. And so then I ended up having to stay at my work for a couple of days at one point because of it. That's crazy. So to cut back on rent at least, I ended up moving to the other side of Houston and I'm now in a spot where I pay just under like $1,300 a month in comparison. And I'm saving on gas money with my commute. Oh, is anyone helping you on?

Starting point is 00:38:26 Is there anyone in your corner? My mom, my mom tries to help me out a little bit. I, for the most part, I... Wait, no, no, no, no. I was hoping I would hear, if it all, helped. And I would have been okay with helped. You just use the word helps. What?

Starting point is 00:38:43 What is happening? So the only thing that she's paid for recently is she was out here last week and she told me that I needed to go get a haircut because I haven't really been taking care of myself like that. What do you mean? Why? You have a girlfriend. Why does she just chop your hair? For me, I have problems with using other people's money.

Starting point is 00:39:07 I don't like taking from people. And I think that's where I get myself in a lot of financial trouble because I would rather... How often does she help? Be honest. My mom? Yeah. Um, okay, well, no, she does help me a lot right now. Uh, she pays for my car insurance and she pays for my health insurance, which I'm going to fall off in June.

Starting point is 00:39:27 So why can't you take care of herself, but you can go fucking get a cat and you can buy all this bull for the cat and get all these stem toys and all this bullshit and be over a credit card limit. I'd say that's not taking care of you. I think for me though, I am because I have living alone is hard on its own. and I ended up out here in a way that was not by choice. And so... Well, you did choose to go to where your sister was, but I get what you're saying. Right, but I needed a make-it-or-break-it.

Starting point is 00:39:56 That was it. And so I ran, and this was the easiest, safest place for me to end up. And so I busted my ass out here. Over the credit card limit? I busted my ass to get out here and then... I get that. I'm on your page about that. You left.

Starting point is 00:40:10 I'm talking about buying fucking stim toys on a maxed out of fucking credit card, dude. So I haven't let my finances be anybody else's business, though. That's my thing. And so I got this cat so that I could have, I needed, I just needed something at home with me. I needed a reason to be home. Stim toy! Mouthy stem toy necklace. A human one. Yeah. You ever get one of those, I should really get life insurance thoughts and then immediately distract yourself with snacks or busy work. Yeah, same. But here's the grown-up move that I finally made.

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Starting point is 00:43:21 That is silo markets.com slash Caleb. Let's get back to the episode. We're buying stem toys for our tongues. When we are over the credit-ficking card limit and cannot pay it off and cannot pay for school, cannot pay for rent, cannot do all these things, do not have enough money in our checking account. So to go get Zyrtec, we buy it on Amazon instead of at a fucking store on a credit card. But we're getting stem toys.

Starting point is 00:43:46 And no, you are taking on the brief. responsibility of another living thing. It shouldn't just be about you that as selfish as fuck. And I know that. I'm doing what I can to take care of her. Yes, but you can't take care of yourself. You just admitted that. Mommy helped you because you can't.

Starting point is 00:44:03 Yeah. You don't go get, you can't afford a haircut. How are you going to afford the fucking cat vet visit? I figure it out. I, all those purchases. Your figuring out has led to almost six figures in debt.

Starting point is 00:44:14 Yeah. Well, I mean, I don't really regret any of those purchases. then what the fuck are we doing? Because you're not, you're never going to pay off this credit card if we're getting a fucking tongue stem toy on a monthly basis.

Starting point is 00:44:27 It was one, it was one purchase. That was one purchase out of like 15 purchases we went through. Right. You're going to do more of those going forward. Matter. We're not critical though. Did you need the cat tree then?

Starting point is 00:44:43 At that exact moment, 100% or else the cat would have died. Well, I had ended up putting that onto and affirm that I have ended up. I saw her purchase on the Amazon. Oh, but you purchased it. Oh, fuck's sake.

Starting point is 00:44:57 Okay. Yeah. Great. Did we need it or the cat would have died? I feel like it was better for her to have some more stimulation. I feel. She's home alone for God knows how many hours because I'm working because I'm trying to figure out this. school situation,

Starting point is 00:45:23 trying to pay for school and everything like that. So I wanted her to at least have something, I don't know, to stimulate her or something. I get that, but you can't even afford to take care of your own bills. That's the issue. But it's who I am, honestly, at the root.

Starting point is 00:45:40 What? Making bad life choices? Being somebody that gives a shit. Being somebody who cares. Except for your future. What are we going to do? If we don't give a shit about our future, what are we going to do? I do care about my future. That's why I'm trying to figure this out now.

Starting point is 00:45:57 And I'm trying to find a way. Well, I paused on school so that I don't go homeless over trying to make these payments. And I can't appreciate that. Absolutely. And so I'm going to find a way to get back into school. That's different. You're putting your credit cards above max. I'm not talking about school.

Starting point is 00:46:12 I didn't criticize that part. You were saying all these purchases are justified and you don't feel bad about them and essentially assinuating that you would do them again. No. Well, I've tried to. I've, over the last, like, year probably, I've tried to take out, like, other, like, private loans to help me, like, pay down some of the cards. That way I can at least maybe consolidate or have a cushion at least to help get me through. Cushion? No, because then you just get more debt.

Starting point is 00:46:40 And you basically have already admitted that that's exactly what would happen is you would just get more bad debt. Because that's your cushion. By unlocking more debt for you to have by moving your debt to one other debt. Okay. So. So. You just go stem it up, dude. That's all you'd do.

Starting point is 00:46:58 You'd go purchase. Now, you'd go consolidate or whatever. Personal loan, pay off the cards. However you'd do it, multiple ways, credit card transfer. But then you'd build up that original credit card again with stem toys and cat trees and you bullshit. They're not approving me for these loans. Thanks.

Starting point is 00:47:16 Because you're horrible with debt. Honey, you're horrible with that. Listen, in here alone, $311 in interest. This year still. At the time of filming this is basically barely even started. We're fresh into the air. And we're already at $311. I didn't know it was that much.

Starting point is 00:47:35 I knew that the interest rate was... You're not look at statements ever? I don't budget. You're not even willing to use an automated budgeting app that just does it all for to you. So, like, I guess I'm not surprised. Well, I've tried to budget. It's just it... I get overwhelmed because the numbers do look bad sometimes, but that's...

Starting point is 00:47:54 That's the reason why I'm trying to make life's change. The reason why I wanted to get the loan is so that way I could pay off a card and use it more intelligently and build up my credit. You can only do something like that if you change your behavior first. You haven't changed your behavior. That's what I'm working on. No, what? Buddy, you spent a fourth one to your debt net than you actually spent on going out to eat. You're not working on it.

Starting point is 00:48:18 Don't say that to me. Everyone says that when they come on this show. No, they're not. You driving here is not working on it. You have no demonstrated abilities in your financial statements to suggest that you are working on it. And you thinking about it does not work. You built a budget. You didn't see what you wanted.

Starting point is 00:48:33 So you walked away instead of actually making the changes in the budget necessary via the life changes you would actually have to do to fix it. Well, I disagree. I think that I'm making a lot better decisions financially. Yeah, tell me. Well, tell me, please. I have a full pantry now and so I am working on not going out. So you probably spend more than you need to the grocery store. store and then you still spent $407 going out to eat.

Starting point is 00:48:57 Oh, real big slap on the back for that. A lot of the going out to eat too is because when I get off of work, I'm just, I'm exhausted. I have spent all day trying to take care of these people and cater to them. Good, meal prep beforehand so you can warm it up in the microwave. Boom, solved your issue. Shut the fuck up. I don't care.

Starting point is 00:49:14 You're dying in debt. You're dying in debt. And that is what I care about. I care about you having a better life. I don't care about if you're tired after work. I don't. I care about you having a better life. in general

Starting point is 00:49:25 you get off of work go home warm it up boom good you live with her no okay well I'm mine you go home she stays over a lot though and so I'm the only one that she can't cook

Starting point is 00:49:39 I'm the one that she can't give her one of these give her one of the cookbooks it's the easiest recipes in the world and it's for $300 a month the budget it's for budgeting on $300 a month it's just like what do you mean the i can't cook is not a thing anymore

Starting point is 00:49:56 again just like i can't find rent prices that's not a thing anymore well i've tried to teach her how to cook but it's just we end up fighting you're just pushing buttons bake bake bake everyone can bake everyone can bake right everyone can bake jay can you bake let's it can you bake everyone can bake everyone can bake i could bake we can all bake bake bake is you go bluh and then you put it in and go you're baked

Starting point is 00:50:22 meatloaf baked I'm not talking about a fucking pan-fried incredible filet mignon which honestly is actually pretty easy too I've tried to teach her the simple things like mac and cheese she can't push a button I'm concerned that she can't push a button

Starting point is 00:50:41 well she started to she's using the airfire now oh she's using the air fire so she's learned how to push a button okay listen I got a little you know, can, Jay, can you go get it real quick? Can you go get her? She can, can you get her real quick?

Starting point is 00:50:59 A little ago, can someone go get her? I just don't know what we're doing. This is 2025. This is 2025. This is 2025. I'm very curious. Listen, here. Boom, recipe.

Starting point is 00:51:20 Neat-air. Okay, so she'll follow this on a recipe book. Hello? Take this crayon. Put it in here. Stir it up. Good. Push this button.

Starting point is 00:51:33 Push it right here. Push this button. Good. She's not completely disabled. She can cook. She can bake. You're welcome to leave. Thank you.

Starting point is 00:51:45 She can cook. She can cook. She stirred together ingredients. She put ingredients in. She can cook. I'm so proud of her. I'm very proud of her. I am too.

Starting point is 00:52:00 That was a lot. That was impressive for her. Okay, well, now you're just calling her stupid or something. That's not very nice. Only I do that. So there we go. I mean, also, just fucking make a sandwich. That's not cooking.

Starting point is 00:52:15 Like, there is no excuse. There is no excuse. I understand being tired. I'm tired of to work, too. We're all tired of to work too. And luckily, I can afford to get food if I want to get food. But if I needed to, I meal prep. The way I got out of debt, I sacrificed everything.

Starting point is 00:52:33 everything necessary, and if you do it, you can have a good life. But not if you actually don't do anything. My, I haven't. We've been out on this Amazon card forever. Quicksilver! $3,489. And $24, another just substantial balance with a minimum monthly payment of $115. Yeah, these payments stack up, so I definitely feel that.

Starting point is 00:52:55 That's it! It's at max. Yeah. When? We still purchased! We purchased! I think stuff comes out of there automatically. I think it's...

Starting point is 00:53:06 Well, stop! It takes five seconds. Open your phone. Open your phone. Open it. Take a phone. Give. Give.

Starting point is 00:53:22 Give. Yes. You have Apple Music. Apple TV Plus. Chegg. Good Notes. Microsoft 365 Family. QuizLack.

Starting point is 00:53:33 Cancel them all. Then he wouldn't have a lot of fucking matter. A fucking payments. I don't give a... I think that one's Netflix. That comes out of that one. Well, cancel that. There's nothing on there anyway. Well, there's a lot on there. There's nothing good.

Starting point is 00:53:47 Sometimes I just need my comfort show to go to, and I don't want... What's your comfort show? I'm watching... YouTube has all of this. YouTube has all of this, and you can watch the ads. And this is so much better. Netflix, they have the most boring financial show ever created. YouTube pretty great.

Starting point is 00:54:05 Just watch this. It's a free platform. I just don't get it. We're sacrificing a little, man. It's just, okay. It keeps your credit card max out. That's the point. If it was into checking account, it would be different. I'm getting hiccups because I'm stressed at this craziness.

Starting point is 00:54:25 If you're not a credit card card card for somebody, you can't have credit cards. I can't have for you open more debt. Well, I have one right now that has no balance on it. Very proud of you. You have two that we've talked about so far. One is maxed out. The other one's over that. So I don't give a fuck.

Starting point is 00:54:40 You can use the Fizz card. It's connected to your checking account, and you can't spend more than it's in there. So it acts like a debit card. You can do that. That's all you can do. Okay. That's it. That's all allow.

Starting point is 00:54:55 It's from PetcoVito care. It's not even Netflix, you Tith. So that's from my dog that I had to have put down in November. And it was... Is there a payment plan? It was a monthly subscription to make the vet payments cheaper. And so it... Horrible.

Starting point is 00:55:13 It did help me a lot when I was getting her checked out. And I am so sorry because that is like the worst thing in the world whenever that happens. Here is the thing I'm going to. There is no point of sugar-coding life on this show. You know, we'd be wasting our time if you left here and I just sugar-coded. If you can't afford a vet appointment, even for that horrible last one, you can't have a pet and you should not have gotten a cat. I'm sorry about the dog. You already have the dog.

Starting point is 00:55:38 This is what happened, okay? I'm actually surprised that there's not my vape per se. purchases on that one. What is with financial stupidity and killing our lungs? It goes hand in hand. There is not one person on the show anymore that doesn't vape. What? How much you spend on vaping? What are you vaping? What are you doing? Just nicotine.

Starting point is 00:55:58 How much? How often? What? All the time. I think I spend maybe $100, $250 a month on it. I've been smoking for like 11 years. So I'm... You have to do that.

Starting point is 00:56:13 The fucking pay off your... Well, I'm working... I'm trying to quit that. So you smoked cigarettes at some point? I did. Okay, so that's... And so I did quit that. You burned all this.

Starting point is 00:56:22 That makes sense. That makes my four sense. I understand that. Okay, well... Easy. Well, come on, man. You're talking about genetic... Here.

Starting point is 00:56:30 I don't have any control over that, right? I'm teasing you! Well, come on. Man, we're here talking about finances, and you're talking about how I can't grow a mustache. I can't either look at me. I'm a patchy a little... Exactly.

Starting point is 00:56:42 Come on. Pirate. Huh? Trading as Schwab is now powered by Ameritrade, bringing you an expanding library of education with even more ways to sharpen your trading skills. Access new online courses, insightful webcasts, articles, engaging videos, and more,

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Starting point is 00:57:18 I don't know that one. No? Okay. Well, I'm Patchy. You just got neck. What? You know. We're in the same boat.

Starting point is 00:57:28 Okay. Listen, why? How'd you pick it up at, you'd have been 14? Yeah. You picked up smoking? What? Why?

Starting point is 00:57:39 That's horrible. We need to get you off, man. We need to get you off. I've been trying for a couple of years. For me, I just, I'm so stressed out all the time. And so I know that it's harder to quit something that you're addicted to like nicotine. It is. It really is.

Starting point is 00:57:59 When you pick it up so early? Why did you pick it up so early? I was hanging around the people that I shouldn't have. I was trying to impress them because I wasn't the kid that people liked. I have red fucking hair. I have red fucking hair. And that I was... Lindsay, he has red hair.

Starting point is 00:58:15 I was an easy target. Lindsay, are you hated? Oh, no. I was an easy target. And so people didn't like me. And so to impress people, I started... They actually did not like you. They actually did not like that.

Starting point is 00:58:28 It was always their go-to. I've never not liked someone because of their appearance. It's a really weird thing. People are very superficial in California. Listen, if you smelled like cigarettes when you're walking in a home room, yeah, I would not like you.

Starting point is 00:58:39 I did not like those people. I... I don't know what the problem was. I mean, it always came back to me having red hair that was always their go-to. Yeah, me hair, like a toxic school. Is it a very clicky school? Yeah. I mean, yeah, I mean, that just may have, I don't know if it's the hair thing.

Starting point is 00:58:58 They probably used it as a point as a jab, but, you know, it's like, I highly doubt that was the reason they did not. Well, and I've always been a shy person, and so I didn't make friends easy. And so I... There you go, you're introverted and it was a clicky school. I think it's more that. Yeah, so I guess to get people to like me, I started doing stuff that they were doing. People liked you, people were going to like you by you showing up smelling like death?

Starting point is 00:59:20 I'm a little confused. How does that work? I was a little bit more accepted into the other groups. Oh, so it was the group that was smoking. Yeah. What was that group, Emo? No. That's who smoked in my school.

Starting point is 00:59:33 Emo and ghetto. Ghetto. Oh. Yeah. Gatto ginger. It's a new one. I've never seen that one. They call them gypsies in the UK, though.

Starting point is 00:59:48 It's the Irish. Ginger's? The Irish, yeah. It's not the Eastern European gypsies, but it's the Irish gypsies of the UK. I feel like that's a really weird fact to know offhand. I have British friends. Yeah, I know.

Starting point is 01:00:04 Edit? Yeah. 27.24% interest, right? We're accruing almost 300,000 interest on this one as well. So at this point, I mean, we're probably up to about $500, $550 in interest, lost. Just on two cards. Listen, buddy, I, this is, there's just so much to go through still. Like, I don't know.

Starting point is 01:00:30 And I appreciate you saying you think you're going to change, but I don't see the, with defending a fucking stem toy, get into the cast situation, I'm just, I'm a little nervous that you actually won't change. Um, I've given myself no other choice but to, change and so I agree with that. However, I've seen people not change even when they have no other choice but to change and they just fuck everything up. And you can go down the road of bankruptcy.

Starting point is 01:00:53 You could do that. But the fact is, without changing your behavior, you're going to be like many people who've been out through bankruptcy before on the show who they go through bankruptcy, didn't change your behavior before or during that and then they get into the debt again. It's like, it's going to be a reoccurring cycle for effort. That's the reason why I'm here, though. I don't want to declare bankruptcy. I don't want to declare bankruptcy. Okay. I don't. Well, what's your big fear of bankruptcy? see. Not being able to provide the life that I want for myself in seven years because I plan to be financially free way before the next seven years. I hope so. It's brutal. And so I don't want that

Starting point is 01:01:27 to inhibit me from doing the things that I want to do with my life. I mean, just alone, buddy, the interest that you've lost is insane, reaching like 30%. 30%. Like the best return thing I can think of is when I just have money that I'm not using, I just put it in to the Mo-Mu app that I use, and I get an immediate 8.1% return on my money. It's incredible.

Starting point is 01:01:50 It's delicious. That's awesome. It's their little savings thing. That is known as an incredible savings rate percentage. You're losing 30%. That point of financial freedom keeping a card over maxed, a card maxed,

Starting point is 01:02:03 and then losing 30% on it, that never gets us there. It is time to cut down your financial stress and gain total financial dominance. You gotta download my budgeting app today. It's free to start, and it's the simplest way to take control of your money. In the free version, you can manually create your budgets, track expenses, and monitor your spending all in one clean, intuitive dashboard.

Starting point is 01:02:31 And then you can take it a step further, upgrade to premium to securely link your accounts with Plaid, automatically categorized transactions, and with our new update, you can set cover. custom rules so you never have to recategorize the same purchase twice you also get access to our private financial community where you share tips learn the best practices and stay inspired plus i'm adding new features like every freaking week to make this thing even better and you can test it out with a 14 day for a trial so there's no risks and don't forget when you sign up for the annual version of the premium plan you'll receive a limited edition signed notebook and my exclusive signed hardcover cookbook all mailed directly to your door. So make sure you download my budgeting app today. It's in the description and pin comment below. You will not regret it. And this credit card we purchased on again. Where is this getting to this financial freedom thing that you're talking about? I'm not seeing it personally. I mean, what's even the max spend you can spend on this?

Starting point is 01:03:33 That one actually got lowered. I think it's... This is where Netflix is. I didn't even know where... It's a 34% interest. Me? I just talked about how 30 is so bad. So this one I got when I was with my ex because I actually was investing in a business for her. For her? Yeah. Oh, no, what?

Starting point is 01:03:56 So I was like a silent investor, essentially. And so she was selling like Sensi. Silent because she didn't want you to be seen. So she was selling Sensi and paparazzi. What is that? Sensi is, it's this pyramid scheme, it's like wax. Instead of candles, you use a wax warmer and they sell wax and room sprays and all this stuff.

Starting point is 01:04:21 And so she was doing that and she built up like a pretty big like online community, I guess. And so she then started meeting people who were doing like resailing online on like Facebook marketplace and doing like Facebook Lives. And so we would go to like. DJ Max and Ross and Marshall, then we would buy all of these like name brands. Yeah, that's how bad, but what happened? I kept investing money, but I wasn't getting anything back. Wait, how much do you were you investing?

Starting point is 01:04:55 So 10,000 was made, but was that 10,000 in profits after the investing? Uh, it was probably 7,000 in profits. Why didn't you get anything? Dude, she's... It was... It was... Crazy. Easier to let her deal with it.

Starting point is 01:05:11 instead of asking for the money because then it would start a fight. Two would have fought. If you said, can I have some of the money I'm investing into it? That's where you run. Yeah. It was a fear. How much did you put it into it? God, I don't know.

Starting point is 01:05:26 Probably over 10 grand out of my own pocket. And why is it associated with this credit card? Because we were getting points on that and then they have like a reward system that you can use. It's like you get $20 off purchases or whatever it is. And so we were using that to buy most of the product. It did have a higher limit, but it's coming down a lot. Yeah, I bet you're basically at the limit. And then again, there is the purchase.

Starting point is 01:06:00 It's a reoccurring. But it's at a 34% interest rate. I don't understand the point. Okay, so you owe on TJX, never even heard of that. It's the TJ Max. Oh, this is TJ Max? Yeah, so it's a synchrony. Great, we're doing a pyramid scheme at TGMX.

Starting point is 01:06:23 $441 and $24, the minimum fee payment of $38. It's fucking crazy. Interest this year alone. Why am I seeing fees? Did you have a late fee this year? Pull up the app. Pull up the... Pull it up.

Starting point is 01:06:41 I don't think so. It's easier for me to keep up with that one because the payments are lower? Well, yeah, because it doesn't let you spend more because it's deemed you to be an irresponsible child with credit. Okay. Statements. I got to go through the statements of this year. Okay. So here's the month before.

Starting point is 01:07:12 Yes, allow a interest. Okay, I don't think this is the fee one. It's been January. It may have been an annual. Let's find out. I don't know if there's an annual interest fee on that one. January? There's it is.

Starting point is 01:07:32 A $27 fee. What's you doing in here, credit card? It's a late fee. It's a fucking late fee. You're not even paying them on time. I like you as a person. I think. You seem chill. But buddy, you're not even the fucking stem toy over paying your lowest, most manageable in your words, credit card. Come on. Your choices are beyond irresponsible. Why are you late? Fitting them should be on auto pay. It's this.

Starting point is 01:08:09 I don't know what happened with that one. You didn't pay it on time. Why? You said that was in December or January. I'm not sure I had gone to California for like two days in November for my grandma's celebration of life or whatever and then after that

Starting point is 01:08:32 I don't know maybe I don't know what happened I don't know if it was maybe the plane tickets I don't know that just got a hold of my finance I don't know what happened I didn't know that it was late Uh huh

Starting point is 01:08:49 Costco So that one I also $144.68. Minimum monthly payment, 35. What are we going to say? So I got that one because back when I was with my ex, we were saving money by going and buying in bulk

Starting point is 01:09:09 at Costco. And so I got a Costco card and I had ended up buying a pool on that, actually. And then I ended up, I did end up returning the pool because Costco has this return policy where you can return it, however. So I got the money back.

Starting point is 01:09:24 They ended up closing that account, though. Think, fuck. You can't be trusted with credit to save your fucking life. Like, actually, literally, Mama's giving you hair-com money. Can't make food. I don't know. I think right now I'm doing the best that I can with what I have.

Starting point is 01:09:46 You're doing the best. You relate on your most manageable. You're doing your best. I'm not going to accept you're doing your best. Defined me how the fuck you think you're doing. doing your best please i want to hear this defined by you um recognizing that i am in an amount of debt that i can't survive with right now with not with my so big basic recognition is you doing your best i'm taking action though what i see nothing but moving them up except for the credit cards you

Starting point is 01:10:22 can't spend on trying to get help by coming here and figuring out what to do and i'm not a magic pill and So I haven't touched that other card that has no balance on it. Listen, you know without me having to tell you that the best thing you could do to get out of debt as a first step is don't spend on the debt. Nothing was a necessity that has been spent on the debt so far. Nothing. Not one thing has been a necessity. Not one thing. If you were trying, you would not need to say that.

Starting point is 01:10:52 In the moment, it does feel like a necessity to me. A stem toy feels like a necessity. Netflix feels like a necessity. Not paying your card on time feels like a necessity. what are you talking about so i i didn't know that i wasn't that i didn't make that payment on time because i i so what i've tried to do is i'll write down like my debt and then when it's due and then how much the payment is but that's the most i can only keep track of like the cards i don't auto pay budgeting app auto pay but i can't i can't put anything on auto pay when there's no

Starting point is 01:11:24 money in my account you would have money if you're using a budgeting app okay but when the The systems aren't easy for me to use, or I'm having to pay $50 something for a subscription. That feels like a waste. Why would you pay $50 for a... There's budgeting apps that I've tried to look at and they... Oh, our budget... Well, yes, for the automatic connections. It's because it caught...

Starting point is 01:11:44 People don't know this. I don't talk about it all the time. But when you download our budgeting app, right? Just your free account actually costs us money. It costs us money for AWS. But then if you do the automatic connections through your banking platform, no budgeting app does that. you pay a third-party service. So every account you connect charges us money.

Starting point is 01:12:02 So for some users, we would lose money if they have like a thousand in accounts to connect. For some that do, too, we make money. Yeah, what do you think? People are just like a charity? Like, yes, in order to build the service that costs hundreds of thousands of dollars to build, it is going to be. We all have that dream trip. We've been wishing we could go on.

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Starting point is 01:12:45 It can cost money. But if paying, you know, 15 bucks a month, which is what I think our premium version is or a lot cheaper on an annual basis, if charging that saves you thousands a year, I think it's worth. worth it? I just, I get overwhelmed and then by the time I can start getting to variable expenses, I freak out, and then I'm done. So I get the furthest that I can

Starting point is 01:13:09 with the debt that I have, and I write down the minimum monthly payments, and I make do. I move money around if I need to. You don't, you missed. Okay. What is this? What am I looking at? It doesn't have a title. That's, uh, an IRS payment plan. We're on, fucking IRS land. Oh, this is a fucking affinity stone.

Starting point is 01:13:34 When I was with my ex, I was... Always goes back to the X. Have you ever done anything wrong? I have done... I feel like I only hear what's been against me or it goes back to X. No, I know that I've done my fair share of things that I shouldn't have. I get that. I take myself responsible.

Starting point is 01:13:52 Right. Except for your spending, which you say is 100% necessary. So this, though, this IRS thing, she told me to go exempt the... That way we had more money to be able to afford the rent and the car payments. I hate this lady. And the kids, taking care of the kids and taking them to school and everything like that. She's not a good person. What years is this from that you owe?

Starting point is 01:14:13 From last... No. No. Uh, 23. But you left in 23. Right. You filed an exam in the year that you left? Okay.

Starting point is 01:14:22 Yeah. Okay. Are you on a payment plan? I am. I'm paying. I'm paying. $75 a month. What's the interest rate?

Starting point is 01:14:29 I don't know. 75's not going to get you there very quick at all. My gosh. I mean, it's probably, I think that's usually at a Fed rate plus two or three. It's probably like 8%, 9%. Yeah, I don't know. I just know that I pay $75 a month. So it's probably going to take like 46 months to pay off,

Starting point is 01:14:51 four-year process from here. I think I've been paying on it for a little bit. I just don't know how long. And then what did you do with the money that we were filing? exempt than just using it was going to her her it was going to the bills it was a truck

Starting point is 01:15:07 it I it was paying for um like the hotels and stuff maybe I don't know it could have been my idea maybe I got overwhelmed with all the debt and I didn't want to tell anybody I don't know

Starting point is 01:15:22 I don't know I I was doing payday loans at that time too trying to just get by I'm not doing the payday loans anymore. Those are all done and squared away. This is brutal. This is brutal. Okay, Kia. 24,000 while you're in school, can't afford school. You have a 24,000 dollar, $961.14 loan out of fucking Kia? So this. When you can't pay for school? With a $504 minimum with a

Starting point is 01:16:06 $50 million when you can't pay for school? This is because, so I ended up, so when I left my ex, I took the truck that I had bought. her and I drove that out here but my payments on that were like 800 and something dollars a month. So I ended up doing a voluntary surrender on that. And then my mom flew out here and she helped me search for a car. And so I wanted a used car. I was okay with a used car, but she was worried about reliability and so I thought that that made more sense but she so this car is in her name

Starting point is 01:16:51 it's your mom's name because I don't have I don't have the credit for that to be on mine even then oh okay so I make the payments on the car yeah I'd hope so her name's on it

Starting point is 01:17:05 and then so there is a car that's in my name out in California Um, what? So my mom's making the payments on that one. What the fuck? What is, what, what, what, what, what, what is that car? Uh, it's a 2021 Kia K5.

Starting point is 01:17:22 What is owed on that car? I think like 16. Okay. What's your minimum on that? Uh, it's like 3.85 or something like that. You guys need to drive me halfway in the country and swap. Well, so what happened was when I had left, I had given this, Kia K5 to

Starting point is 01:17:44 one of my coworkers and she took over the payments and we did a contract and everything. Well, so she had... Was this new or used when you got this? What was that? Is this new or used when you got this? It was brand new.

Starting point is 01:17:54 It was like five or seven miles on it. I bought it in 2021. My credit was a 740. And so... Okay. It was in mint condition when I left. I gave it to one of my coworkers to take over the payments on.

Starting point is 01:18:09 We had a contract and she took over payments. And then she started started being really late on payments or missing them. And then I was getting letters in the mail about the registration being late because she was supposed to pay the registration and all that. She didn't have insurance. She never paid the registration.

Starting point is 01:18:25 She stopped making the payment. So my mom ended up taking it back. And so she's actually having to put probably like a little over a grand into it to get it to where it's safe to drive. Dude, this is just such a mass. This is just such a fucking. Mass. And I looked at actually selling that to get it off of my credit,

Starting point is 01:18:48 but I won't even break even on the loan. And then this one, the one that you're looking at, the 2024, I'm in the whole probably $10,000 on that one. The truck, though, I was in the whole like 15, 20 grand, but they were actually able to, so when they repot it, they were actually able to sell it for a lot more than I would have been able to, like, privately at a dealership or anything like that. So there's about $13,000 in collections for the travel.

Starting point is 01:19:21 No, no, it's not. No, it is this? This one? This one confirmed? Oh. Oh, the other one? The other one is worth $6,900. Okay.

Starting point is 01:19:37 I need to get the value for this car, please. Okay, so that one's... Yeah, you can't sell. borrow make the difference for that one. This one we're getting the value on, but what is the interest on this? I don't know. You don't know?

Starting point is 01:19:53 No. Neither do I, because it doesn't say. What about the other car? The Kia back in California, that one, it was like a 2.9% interest. Why don't you guys swap? Me to Al Paso? I don't know.

Starting point is 01:20:13 I think that my... You've never talked about it? No. Why did you? get this car specifically uh we were

Starting point is 01:20:27 a car you couldn't even come close to a fording whether or not we were in a rush and with rush you can't rush what destroys your life well i this is worth 15 000 test drove it and it was a good car it was reliable it was good on gas so i'm yeah and now you can't afford to pay for life i don't care with the mileage if you can't afford to pay for life i don't care with the

Starting point is 01:20:49 mileage if you can't afford to pay pay the life. Wait, pay for life, dude. Okay, okay, okay, okay, okay, okay, okay, okay, okay, okay. Is this the other car? No, I think that's still part of the same one. In additional, $12,000? Oh, no, that's the truck. If it's the $12,000.

Starting point is 01:21:18 The truck that's repoed? Yeah, I did a voluntary... So this is what you still owe? Yeah, I did a voluntary... Oh, fuck me. I got, I know. I know. Oh my So what's up with this? Are you on a payment plan? No.

Starting point is 01:21:32 Are you going to? Is it in collections? What is it? Is this in collections? It's with a collections company, but it's not showing on my report that it's in collections. Really? Yeah. I'm... Is it showing on your credit at all? Uh... As non-collections?

Starting point is 01:21:45 I think it's showing. Yeah, it's still showing. It shows on my account as like a voluntary surrender, but it doesn't show as a collection. but my plan is to just leave it alone for as long as I can. Yeah, but if it does pop up in collections, you said I don't want to fuck over my financial future in seven years. It'll be on your collections. Well, for right now, that one's just really not a priority to me. Well, I understand how it might not be the, what's the priority?

Starting point is 01:22:16 The cards with the high interest. Which is why you're still spending on them and keeping them at the credit limit and above the credit limit? Interesting. Yeah, I'm trying to get better at not you. using them. I don't carry them with me. I don't carry them with me anymore. And when they attach to a digital wallet? They're just on the auto pay things with other accounts. What about Apple Pay? Tap tap, tap. No, I don't have any. When did you stop carrying?

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Starting point is 01:23:18 A couple of months ago. No, there was purchases on there. Then it was all through, like... Then, yes, if you have them attached in apps like Amazon, you can't be doing that. Buddy, it still counts. It sounds like it doesn't count because it's not in your fucking wallet. Jeez, oh, we do have student loans.

Starting point is 01:23:36 Yeah. Oh, my gosh, okay. Me? Wait, this just keeps going. This is relentless. Okay. Yeah, student loans, 17,000. 916, obviously, you don't have to pay them because you're in school.

Starting point is 01:23:57 Yeah. But are they subsidized or unsubsidized? Uh, mixed. So some are still accruing interest. You're already on IDR. Income contingent repayment. Yeah. We'll see how that goes.

Starting point is 01:24:14 I have to worry about that for like a year, year and a half. I think my total payment for all of the loans combined monthly was like $200 or something. Listen, I know it's not what you're going for, but if you ever want a boost to your resume, happy to give you a course career certification of your choice. A lot of people in our office. audience have done it and it's helped them make a lot of money so let us know we'll gift it kickoff so this isn't crazy this is $33 so this i got to help me build up my credit again oh great so this is uh 560 570 okay yeah yeah i uh no kickoff is good kickoff can help we've we've used them a few times like i get it but

Starting point is 01:25:00 not with what you're doing without fixing your other behavior. And you're not doing it. You're still purchasing on the apps and everything, even if you're not, okay, go on. Well, so there's a secured card, and that actually might be what I use to pay for my vapes. But then there's like the budget. There's a builder loan, and then there's another one. What snacks on snacks? It's a vending machine at work.

Starting point is 01:25:34 You're just going to the vending machine every second of your fucking life, dude. You're just vending machine in your life. It's cheaper than driving around the corner to go pick up food. It's not cheaper than fucking, well, that's your lunch. Once a day, $0.50? At work, yeah. And then I'll go home and I either have picked something up on the way or I'll make something out. Well, honestly, probably because you don't eat like an actual substantial lunch or substantial enough,

Starting point is 01:26:03 you have that craving of them pick up something in the way home. Yeah. But if you don't and you actually eat at home, if you're only spending $1.50, I'd be okay with that. That's it. That's the debt. That's the debt? Yes. Nothing else.

Starting point is 01:26:19 There shouldn't be. Other than that, that's actually in your name, but your mom's paying for, which is risk. Okay, $75 in our checking account. That's insane. DoorDash. I... Guys, we're changing our behavior. DoorDash!

Starting point is 01:26:33 I don't know where that door dash charge came from. I didn't make a DoorDash charge. Yeah, I don't know. We learned she can click buttons. Maybe she clicked the button all the way through door dashing to your door. Apple, Vapes, Waterberger, Barbershop. Thanks to Mommy. Zell it out.

Starting point is 01:26:56 Vap. Vap. Zell out. Vap. Dore. Target DoorDash, Starbucks, FAPE. We're going in and getting into BALSH. I'm just going to call it VAPE, honestly.

Starting point is 01:27:09 FAPE. Apple card. Vennie machine, Vennie Machine, McDonald's. Vave. Shake Shack. High Life? Vape. Apple Bill, Taco Bell, Apple, Apple, Bill, Apple, IHop.

Starting point is 01:27:33 Taco Bell. Apple, Bill. Raising Cains. vape, probably Applebee's. I mean, so much fucking stupid spending. One sentence. No. No.

Starting point is 01:27:51 No. Frippin. So the $1,500 was for rent. So I moved it. I moved to the savings. Because you have no ability to control yourself if it's in your checking account to just blow it all on vapes.

Starting point is 01:28:06 That way I knew that I at least had rent for the next month. And then $2 and this other. What a joke. What a joke. Listen, I'll make you a budget, but with your spending. The fact is, again, just the misleading spores hundreds. You're going out to use 407. Towards debt was net 100.

Starting point is 01:28:35 A hundred. The question is, if actually making a budget, just like when you try to make a budget, and it didn't work, oh, it didn't work, why didn't it works? You aren't making any changes. Are you actually willing to, when, leaving work, not pick up food

Starting point is 01:28:49 sometimes. Are you actually willing to not go out to eat sometimes to get out of debt? I really just don't think that that's something that I can come back on. Are you kidding me? That makes no sense. Why? When I'm tired getting off of work, why am I going to I don't want to starve myself? Then there is

Starting point is 01:29:05 no point. Then there is no point. So at least I'm eating. Then there is no conversation left to have and I'm done. I'm done with the conversation then because there's no conversation to be had if you're not willing to cut back on a single fucking thing. There's other ways. If you don't want to be him, use the budgeting

Starting point is 01:29:20 f***ing app. We're going to go into the post show. I don't want to hear your voice. I'm done. I'm sorry. I'm not going to waste the next 15 minutes of my life. If you're not willing to do just a simple little cutback, I'm done. Join us in the post show. Sake. She was a shit addict. What? We didn't even know this. We have a picture. Your girlfriend-ish is much cuter. Can we ask if she wants to come on camera? Yeah. Hi, girlfriendish. Hi. This is behind the paywall, just for your knowledge. Certain things I'm doing that he's not comfortable with. Are you really?

Starting point is 01:29:50 Do you tell us? I'm freshly getting into like having fun and stuff. And a whistle. You f***. That's selfish. And that's a . To watch the financial audit post show, click the join button below. You can't reason with the son.

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Financial Audit - Financial Audit's Biggest Cuck

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