Financial Audit - Financial Audit’s Thirstiest Guest

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Starting point is 00:00:35 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. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I kind of want to discover what's going on with the audience at the same time. So I am going in blind. I know nothing. I decided to come here because I saw you in Hinge 6-1. Are you a fucking kid?

Starting point is 00:01:00 What is that? I mean, I... You fucking kidding, man. I wish I was kidding. That is insane. Download my new simpler budget app today and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler budget premium annual. Hi, my name's Carly.

Starting point is 00:01:27 I'm 27. I live in Austin, Texas, and this is financial audit. Thanks for coming in. What do you do for a living here in Austin? So I do social media support for a bank. For a bank, okay. Are those huge social media pages? Banks, who's following the banks? That's interesting. Okay.

Starting point is 00:01:46 How much are you making? So I bring in around 56 before taxes. It's about 3,400 every month. Net? As I was hitting that? Yes. How are we living in Austin on that? How does that feel?

Starting point is 00:02:00 It feels okay. Yeah. There are, it feels a little bit better when it's a three paycheck month. Or it feels a little bit better when I get a stock payout. So you're biweekly. It's not semi-monthly. So sometimes you get the little three, the little special three. Okay.

Starting point is 00:02:14 Yeah, yeah, yeah. Well, what's your rent? My rent is $1,300 after. That's a little expensive. After what? After pest control, pet fees, water, sewage. That's all included in the $1,300. Okay.

Starting point is 00:02:30 So after the normal rent stuff that is an, everyone's rent. Yeah. Okay. I think it's like 1189 before you add all that stuff in. Yeah. Okay. Yeah.

Starting point is 00:02:41 I mean 36. We're stretching it. 36% of your income. Yeah. Definitely stretching it. But, you know, for the Austin area, that percentage isn't the most horrendous.

Starting point is 00:02:49 That's for sure. So what is going on? I'll be honest. I'm going in a little blind, a little more blind right now. Okay. We wanted to just test a little thing. And I'm curious.

Starting point is 00:03:00 Well, I just like, I'm like, you know what? I kind of want to discover what's going on with the audience at the same time. So I am going in blind. I know nothing about you. Okay. What the fuck is going on?

Starting point is 00:03:12 I feel like with my income, I should be in a better place than I am. And I know a lot of that has to do with me spending excessively, mostly on fast food. And we can't be doing that, man. Yeah, I know. And so. Listen, I'm assuming if you're on this show, I'm assuming if there is a chunk of paperwork and part of me. We got debt. Do I know your debt? No. Because again, self-discovery process on this. I don't know you. When we're going and we're just bending out, what are you doing? What does this

Starting point is 00:03:45 look like? Is this a daily occurrence? What is our life? I'm going to we're about to find out, so don't bode me. Yeah. So specifically for them, the December month that I sent you all my spending. I had just recently, I've just recently moved. And so, So my kind of excuse was that all my pots and pans are packed in boxes. And so let me just door dash here. Let me just stop at McDonald's here. Let me stop at Taco Bell there because all of my stuff was packed in boxes. And so because I'm lazy.

Starting point is 00:04:22 Okay. Your self-confessed lazy. Yes. So what does this look like? Do you have something in your mouth? What is happening? Oh, it's a cough drop. You sick?

Starting point is 00:04:30 I was. But I'm doing it. better. When? Um, like last week. With what? I'm not contagious. With what? It was like a sinus infection.

Starting point is 00:04:40 I'm okay. So you say you go out to eat all the time. Uh-huh. Oh, I'm scared. Why? Why would you be scared? I don't know. That's a big red.

Starting point is 00:04:50 Why don't you be scared? Because I know it's a lot. And I know that I have the ability to cook. What else do you do a lot? Um. I go to Michaels a lot because I live right next door to Michaels. So I do frequent the craft store often. Uh-huh.

Starting point is 00:05:15 Why? Well, how much? Like, what are we talking? How often are you going? Like, what does this look like? So probably four, like maybe once a week. I stop at the craft store four or five times a month or so. And what else?

Starting point is 00:05:33 Um Hmm I think that's I mean I know I spend a lot I see in here a ton of Amazon as well Oh

Starting point is 00:05:44 Uh huh I do So I get Um My cat food My cat litter My toilet paper And my laundry detergent

Starting point is 00:05:56 On subscribe and save So those are the majority Of my Amazon Purchases So Amazon Got miscellaneous bullshit in this here pile that I have here. Have I looked at your purchases? No, but we have the math.

Starting point is 00:06:09 Miscellaneous bullshund. Also, fees, and I'm going to need to see those fucking fees and then going out to eat. So I want to see where you assess yourself before we go into this world. Okay. This is your income. Okay. This is your monthly income. Okay.

Starting point is 00:06:29 Assess in three different piles what you think you spent. on going out to eat. Okay. Miscellaneous bullshit. Okay. Just the extra thing. It could be video games, it could be whatever,

Starting point is 00:06:40 it's just the extra miscellaneous bullshit. Yep. And then fees. Fees alone. Okay. Okay. Okay. So.

Starting point is 00:06:50 That's your total income. Okay. 600 eating out. What the fuck? 600. That's insane for your income. Yes. What's 600 B?

Starting point is 00:07:02 I think I didn't really grocery shop for the, The entire month of... The entire month! Yes, I think I went to the grocery store maybe like two times. Good. Probably one... 10 in fees.

Starting point is 00:07:17 What are fees do we have going on? This is insane. What was the last one? Miscellaneous bullshit. All the extra stuff that just doesn't matter. I'm going to say about... I'm being told they're overdraft on late fees, by the way. They are.

Starting point is 00:07:36 How much is that? Like 180. 180. Give. So this is what you think you have left. So why would you have debt with this much left? How much goes to your rent? Let me see the rent. I don't know to see how much you think you have left based on your assessment of your financial situation.

Starting point is 00:07:56 And why it wouldn't be going towards debt? Why would this fee pile exist? Fee pile exists. I don't think there's enough bills. Well, that's not a good sign. Is it? Five. How could we have been running out?

Starting point is 00:08:12 This is your income. Seven. Are you seeing a problem? Yep. Eight. Yeah. There's, yeah. Okay.

Starting point is 00:08:26 So how much did you say this pile right here is going out to eat? How much did you say this is? Probably 600. So you put $600 here. $859. Oof. $8159 when you're not surviving. and don't have enough money anywhere.

Starting point is 00:08:49 Yeah. How much is this? Your fee pile. What did you put? Late fees, overdraft fees. What you put? 110. 182.

Starting point is 00:09:00 Oh. Here's your Miss Lady's bullshit. What did you put? 180. 595. Oh, God. How the fuck are you surviving? How are you here?

Starting point is 00:09:11 How have you made it long enough to even sit a cross from us. How have you like made it? How have you done this? Yeah, the math doesn't really math. The math is not math. The math is not mathing there. How have you made it this far? I am genuinely

Starting point is 00:09:32 curious. I don't know because I feel like I... So what is going on in your life then? Give us a little backstory and we are going to dive into this. What is going on in your life? I have just moved and I currently have a lease on a house that I'm not living in with my ex-fiance. But that's a little complicated because his boss is paying all the bills for the house

Starting point is 00:10:06 because he had to move to San Antonio. What the fuck in his boss? Okay, okay. So what's your situation specifically in this? Me, I had to kind of move out of the house pretty quickly because the realtors were wanting to start showing it and get someone in there so they could take over the lease. It's fiance. How long were you guys together? We were together for just about three years.

Starting point is 00:10:34 What happened? Fianza means we got pretty damn far. Yeah. So I think ultimately we just were not. very compatible. He, I think, wasn't showing me love in the way that I necessarily... Wasn't showing you love? Wanted to be shown love.

Starting point is 00:10:55 How'd you want to be shown love that he wasn't doing? So it was a lot of, like, intimacy issues. What, it wasn't dittling? Yeah. And there were... You know, I suggested that we go to therapy together. and he kind of refused every time to kind of deal with those issues. Well, obviously we're not going to make it if he's willing to ref- if he's obviously not willing to even try.

Starting point is 00:11:21 Yeah, so I eventually kind of, it was a few months or really, it was a few years of us not being intimate, which is- A few years. Wait, of not. You mean not once in a few years? Well, hold on. You said you guys were together for three years. Yeah. What do you mean? What? He, um. Hold on. He, hold on. He, he has. How does that look like? Oh, I'm sorry. I guess that's personal. So he had a slight addiction. Oh, fuck.

Starting point is 00:11:49 And so. But wouldn't go to therapy even though he had addiction to the goon? Yes. The prime goon. Yep. So eventually. So literally years of not being together as a couple? Yeah.

Starting point is 00:12:02 So kind of after begging for things to change for, you know, months, years. Well, what did that look like? How was the communication on this? Um, not great. The reason all this matters, by the way, is because apparently, according to you, you started this off. And I'm asking what's going on. You're saying you got by the situation ending. So, yeah.

Starting point is 00:12:20 Yeah. So, um, really it, I think it, the communication was not great, um, because he's a very, like, avoidant person. Um, I think our, like, attachment styles are different. So I have a very, like, anxious attachment style where I need a lot of attention and, kind of, I need reassurance in a relationship. Yeah. And he's very like anxious avoidant where he doesn't want to have conversations. He doesn't want to talk about things.

Starting point is 00:12:49 If we would have an argument, it would be kind of like I was talking the whole time and he was just listening. And I would give him the opportunity to speak up or if he needed, you know, an hour to kind of get his thoughts together. I would come back and be like, hey, you know, do you want to continue this conversation and give me your opinion? But he would never give that to me. It was always just me talking at him and him just never really responding. I think when I broke up with him, he probably said a total of like 20 words to me in the whole entire like breakup conversation. Okay, but you are the one that pulled the trigger. Yes, I'm the one who decided to end things.

Starting point is 00:13:24 Okay. Even though you knew it would completely impact your life like that's so much. Yeah. Were you expecting it to move so quick? This is crazy. So we actually broke up in April of 2024 and we were living together until December of last year. So we were living in the same house for six months. What we decided was we were just going to cohabitate and live together and just kind of deal with it until our lease ended, which looked like him sleeping on the couch for all those ones. So you would just catch him in the goon?

Starting point is 00:13:55 No, because he would do that in his office in his own private room. Walk away. Yeah. So, um, so then his, his boss wanted him to move to San Antonio. Yeah. because his job has a location here in Austin and in San Antonio. And his boss wanted him to be the store manager or whatever at the San Antonio store. But he was like, I'm not going to drive two hours every single day to go to work. And so his boss said that he would cover our house bills until either the rental company finds someone else to live there or until the lease ends in March. So we're at the point where the rental company hasn't found anyone yet. I'm like half chewing on a fucking cough drop in between your words.

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Starting point is 00:16:07 Let's make your debt meltdown a distant memory, not a daily reality. I hear a crunch every like five seconds. It's gone now. Focus on your crunch. Okay, so you're on your own now. You have this living situation, but you're seeing this whole pile started from there. Which is a situation of which, of course, I sympathize. with and you couldn't make the relationship work out.

Starting point is 00:16:28 Okay, that sucks. I get it. But this stems from that. I think a lot of the like spending specifically in December kind of stems from that. And if I dig through this and I search that out, right now you're positioning yourself as the victim of life right now, which for many people is correct. And maybe for you it is. But is the paperwork that is in front of me going to confirm that?

Starting point is 00:16:52 I think a lot of it. Because if not, I'm going to be pissed. I think people who victimize them. themselves but are not. Kind of disgusting. I don't necessarily think I'm the victim in this scenario. Okay, well, so far the whole story has been about the breakup. Wow.

Starting point is 00:17:06 Which does suck again. And if that is the whole thing, then you have my sympathy full on. I've just seen so many people try to use this to try to get out of things. I don't necessarily think I'm the victim here. I think that it's just, it was an unfortunate timing that I had to go down quickly. You straight down me six months ago. Okay, so it ended back then. Yeah, yeah.

Starting point is 00:17:27 How's dating going? So I did. I decided to come here because I saw you in Hinge six months ago. Are you fucking kidding? The fuck is that? No, no, no. I'm just kidding. I'm just kidding.

Starting point is 00:17:43 I did see you on Hinge six months ago. But that's not why I decided to come here. Uh-huh. How was my profile? I mean, I swiped right. Rip. Yeah. I can't remember.

Starting point is 00:17:55 It was a long time ago. Oh, oh. Uh-oh. But, so I feel like with the income that I make, I'm almost as red as you. I'm embarrassed. Hey, okay. I'm sorry. Listen, I do get a little red.

Starting point is 00:18:11 I do get a little red one. I know. You're nervous. You just embarrassed me. I'm sorry. So. Where do you think your finances are today? Zero to ten, zero being the absolute worst, ten being the absolute best.

Starting point is 00:18:21 I think I'm out of one. Okay. Well, sorry. Elf assess pretty reasonable for what it's worth. Obviously, every spending category. We just had you lay out. That was all bold. You thought was less.

Starting point is 00:18:34 So download the simpler budget app. This guy, that's a tasty mug right here. Download that app. Okay. And actually connect your accounts. You get the premium version for free with all the education, the connection to the apps, and all that stuff. I actually did download it. Good.

Starting point is 00:18:47 Well, now you get it for free forever because you're a guest. So if you guys watch your hammer financial score, that is free. A link in the description below. And if you want to be on the show, And come on. I like to ask guests sometimes just because there's weird people online. I don't know. Whatever.

Starting point is 00:19:04 How are you fully aware that I'm going to meme on you? Yes. There's going to be a silly little thumbnail. Yes. I'm going to beat you up a little. Yep. Okay. I'm aware.

Starting point is 00:19:13 And are you a real person or a paid actor? I'm real. And I don't know why I have to even fucking do this, but there's some weirdos out there. The internet's fucking crazy. So if you want to come on the show, come down to Austin. We'll let you fully. aware of what you're getting into and we'll have a good time. Go to Calebhammer.com slash apply.

Starting point is 00:19:32 All right, we got some debt. Yes. What is this? What am I looking at? I don't even know with the brand here. What the fuck is this? Tell me what debt you have. You need to look closer than it.

Starting point is 00:19:50 Oh, this is like a uplift or upstart. This is an upstart loan. For why? What are you doing? So I took that out. So 26.9.30% interest. Yes. Upstart?

Starting point is 00:20:04 Yes. I'm pretty sure that's. I have two upstart and I have one uplift. That's one of the upstart ones. Okay. Upstart one then. We are at $2,976. $93 with a minimum monthly payment of one.

Starting point is 00:20:19 No, no, no. Wait. No, no, that is not the balance. Hold on. Where's the current balance? Because. Current balance, I think. No, no.

Starting point is 00:20:25 $276? At the top? $2,076. With a minimum monthly... It's $109. Payment of $109. $109. Okay.

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Starting point is 00:21:11 Exclusion supplies to home depot.com slash price match for details. Get this out. What is this for? I took that out when my ex-fiancee and I were moving from an apartment to a house. What was your guys' work situation? You couldn't afford to move? For what? What was your guys' life looking like?

Starting point is 00:21:31 If you couldn't afford to move, I'm not going to judge that, but that's a different situation. What did your life look like? So we were in an apartment, and they were going to raise our rent from $1,300 to $1,800. And so we decided to just get a house for that same amount of rent, basically. Sure. What did you guys' life look like? I was making less money than I am now.

Starting point is 00:21:54 What were you making? Oh my gosh. I was making probably around $2,800. And what did he make? Best guess because you weren't? Probably probably like $40,000 a year. Okay. Something around that.

Starting point is 00:22:09 So what are financial situation? We guys living on the edge? What were we doing? You didn't have enough money so you completely financed the move? What was the move? Why didn't you just pack up stuff? Where was the move to? Same town?

Starting point is 00:22:18 We moved from Austin to Leander. Okay. Why didn't you pack up a U-Haul? So. What is this? Was this? Movers? It's more expensive than any of the moves I've ever done.

Starting point is 00:22:27 We paid for movers. Why? In what world could you guys get movers if you were living on the edge of existence? I can't, like, I'm not very strong and we have a lot of-hken work out. And guess what? Neither am I. I'm a little boops. Look at me.

Starting point is 00:22:39 But guess what? And I've moved. Help my friends move. That's what we do. Do you guys have friends? He, so we actually. Yeah. So he moved from Ohio to here.

Starting point is 00:22:50 Oh, guys, people in Ohio can't lift up boxes. To move in with me. So he didn't have any. He doesn't have any friends here. Okay. And so there's no one, like, all my friends are. You guys can still move yourself. And I'm okay with movers if you could afford it,

Starting point is 00:23:02 but you had to borrow movers that are 26% interest loan. That's obviously the problem that I'm making here. That is what I am digging into. I'm not digging into the fact that you took movers. That is not it. You borrowed movers at 26% interest. Yeah. Well, living on the edge.

Starting point is 00:23:17 We couldn't afford to move. So, but we need to move. I think you could have with a U-Haul and movement. that's probably true and guess what if you can't pick up boxes maybe that's telling you something about your health unless you have something clinically diagnosed well it's not so much the boxes it's like the 500 pound dresser that i have yeah that part's hard really like and we lived we lived on like a second floor apartment so i can't like yeah that part gets hard maybe in the end you get a couple move you maybe you get a couple of labors or something you know just get some like an app like thumbtack or something just to move down into the truck but not the whole movie in process because it's so expensive. And they have hour minimums and their gas bills are crazy. There's so many alternatives here. And listen, again, I am not against it. You borrowed it at 26% interest. Listen, here's the thing. Here's the thing. You borrowed 3,58. The finance charge on it is 2,976,093 cents. Total payments. $6,564 on $3,58 that you borrowed. So that's what you paid for

Starting point is 00:24:20 your move. A move with someone that you're not with anymore in a place. don't live in, you are paying $109 a month for that to pay a total of almost $7,000 to borrow $3,500 for a move that is done with someone you don't live with in a place you don't live. Yes. Uh-huh. So that's what happens when we just defer our entire life and every kind of purchase. Yeah, this is the first kind of loan like this that I have ever taken out. If this was the first, so this just started just a fucking train wreck of a life and you guys

Starting point is 00:24:51 weren't even separated. I thought you said this whole third of when you guys separated. What are you talking about? You guys were completely together here. Were you fiancys at the time? No, we were just dating. See? We didn't even get to fiancé status and we're taking out a fucking like moving payday loan. Come on. Yeah. I, um, that's a big one. And I, I think I didn't realize how much, uh, I would actually end up paying at the end of it. Like all said and done after it's completely paid off. I don't know. It just... Whenever I took out the loan... The statement right here, you just got from me. You could have looked at it at any time. I mean, I did look at it whenever I printed it out, but this one's on auto pay. So I just like kind of let it take out.

Starting point is 00:25:41 26% interest. Auto pay $900 going out to eat. And yet we could make nine of these payments on this card. What the f- Aren't you trying to move on? I mean, this is kind of attached to your past relationship anyway. Like, are you even moving on? The question goes, financially you're not.

Starting point is 00:26:02 In fact, you're getting in a worse position. There are a lot of other things that are still attached financially, too, that is like... With him? Yeah, like, we're on the same car insurance. Oh, for fuck. I have his Apple Watch on my Verizon bill. Wait, we need you guys break up again? Sorry, my memory's bad.

Starting point is 00:26:19 In April. Okay. How are you still? still on car insurance together. Stop smacking your lips. Sorry. That's okay. I'm just, it's loud.

Starting point is 00:26:30 People are listening to you. Fuck me. This is crazy. Oh, plus the finance fee to kick it off for $312. I think that was included in. Like, I think they gave me. Gave you. It got added on to the debt.

Starting point is 00:26:46 Yeah. Like, I think they just took that out. You thought you paid for that out of the pocket? At the moment, you thought that's what I was talking about? No, no, no. I mean, they gave me the money after they took out that fee. Well, yeah, because the principal amount became $3,900 because of the money of the $312.

Starting point is 00:27:01 Okay, I see. Wait, what did you think happened? That they, when they paid out to my bank account, they gave me the money that I had taken the loan out for, but they subtracted that $312 fee. No. Oh. Nope, it was added to your principal. Honestly, that was so long ago. I don't remember.

Starting point is 00:27:20 yet we still have it even at 26% interest listen it's not like the income you make isn't like horrendous but it's also not like woo woo for austin you're kind of you're in a fine area yeah you're in a fine area but if you dig yourself too whole too far into a hole you're not given the flexibility in your situation yeah you make a fine income of the area but you don't have the wiggle room to fuck so dramatically and you did this years ago and the fuck up got worse Yep Okay, well this isn't a document This is just printed off things And you owe to your fucking mom For moving expenses Moving expenses again?

Starting point is 00:28:02 Extra on top of what you already did Or you didn't have enough For you through your borrowing? Or is this another move Are we borrowing for every move That's ever been moved in the history of the world? Do you fucking borrow When you move from your apartment

Starting point is 00:28:14 To your car to work every day? What are you borrowing? What move are you borrowing for? You move for every movement Every step you take you? borrow? That was from 2021. Oh, the past one you're saying because you're pointing it over there. This one is from whenever I just moved in December.

Starting point is 00:28:32 Last month. Last month. Last month. Yes. So we did not learn our lesson in two years. So you're on a repeated pattern. You're on a repeated fucking pattern. So whenever I was applying for apartments, I was having a hard time because I had a $750 collection from the old apartment

Starting point is 00:28:59 that we used to love at the fuck the one you borrowed to move to you that had a fucking collection from this oh f f f f f f f sate I had to pay that

Starting point is 00:29:09 oh there is not a thing you do in the world of living that you do not borrow for or just f f f f up I am learning I am learning it's happening the learning's being happening so i had to pay that before they would accept me before they would accept my application so i i paid that um and then whenever i moved in because i had that

Starting point is 00:29:34 past collection on my record they charged me like an extra deposit to move in so whenever i moved into the apartment because it was on my record and and they were like it's one of those things where if you move into an apartment, normally the deposit is like $500 or something. But because I had that passed $750 on my whatever, they charged me $1,500 for a deposit. Oh, so this wasn't even the expenses of moving. This is just you putting a deposit down? Into the apartment, yes. You borrowed from your mom for a deposit.

Starting point is 00:30:12 No, no, no, no, no. I paid that. And then I also had to pay $1,200 the rent because of it. I moved in past the 20th of the month. So whenever I moved in, I owed like $2,700 to the new apartment. Something tells me we didn't have an emergency fund. That is correct. So I didn't have enough to move.

Starting point is 00:30:36 And I, again... What? Did you use movers? Yes. Okay. I don't think you understand moving. You're allowed to put in fucking effort. 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.

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Starting point is 00:31:16 on April 23rd, 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. Is this just me? Can you guys let me know in the comments? Is this just me? Like every, like I used movers last time, but every fucking move with me and my friends, we all just pick up shit and move. Like we pick up stuff. Do people

Starting point is 00:31:52 not pick things up anymore? And I get that little, I get like a big dresser. I get that. And if you don't have an established friend group that can help you, I do get that part. And maybe I'd get some people off thumbtack or something. But my goodness. So I got movers because I didn't. If you have to borrow from your mom, I don't think we're getting movers. I wanted to make sure I got someone

Starting point is 00:32:10 who had insurance. I wasn't sure. But if you moved it yourself, your insurance would be you not fucking up. Well, yeah. But that's why I wanted someone else to move it because I don't want to break my stuff. And I don't want my friends to break my stuff. You didn't want to put it. You have friends.

Starting point is 00:32:25 Yeah, but I mean. They're incapable of moving as well. It was, I moved two days before Christmas. So I. Friends wouldn't help you? Probably not. Doesn't sound like good friends. I mean, one of them was out of town and then the other one.

Starting point is 00:32:41 Out of town makes sense, but. But I moved to the third floor and I have like the heavy. furniture and then I own like... Everyone moves from the third floor that I know because who wants to live on the bottom floor where there's noise above you. Listen, this is what happens. You're making an excuse for something that I feel like everyone, at least everyone in my life goes through. And guess what? We move each other.

Starting point is 00:33:02 I'm so confused. You guys seem so lazy. I mean, what the way you're eating and the way you're living are not surprised. I just don't think that I can carry all that stuff up three flights of stairs. It's going to take like 30 trips. Welcome to what the rest of us have done. I own like 800 books. So I had to, I'm glad you're well read.

Starting point is 00:33:23 I couldn't. You get to take them to your next place down the stairs. I couldn't bring those boxes up. So I needed help. You would use, but I do not know how this works. Do you not know the next step? What's the next step in that? What's the next step in that?

Starting point is 00:33:38 Help me here. What's the next step? And what? You couldn't take the book? You couldn't take the boxes of the books. What's the next step in there? Yeah, so I hired movers. No, no, no.

Starting point is 00:33:47 What would be the next step to avoid movers? What would it be? I guess carry it myself. Well, you said you couldn't. Yeah, I can't. So what's the next step? Hire someone else? Oh my goodness.

Starting point is 00:33:58 You go from, I can't do something to immediately hire someone when I have no money. Are you fucking kidding me? Is there no problem solving techniques that you are capable of in life? What would be next? Use it. Ask friends. Oh, we're getting closer.

Starting point is 00:34:13 Well, it would be out of the solution because your friends weren't there. It was Christmas. It would be another question. Come on. Oh, big. I don't know. Big. Big.

Starting point is 00:34:21 Big thinking we're doing. Big thinking. Oh, my goodness. You can get there. I believe you. Oh, go, go a little further. I want you to just put in a little bit of effort, a little bit of effort. Pretend like you actually did something that required effort in this world.

Starting point is 00:34:34 Huh? You mentioned the thumb tag thing. No, no, no. We talked about not hiring people for this. Go on. Go on. Don't move. I don't know.

Starting point is 00:34:40 How has you survived? Maybe if you can't move the box because it's too heavy. Take half the books out and put them in another fucking box. And then you can do. Take them down in two trips. What? Yeah. How the f*** did you not just get there on your own?

Starting point is 00:35:01 I'm sorry. I am learning throughout this. And it's okay. We lived in a privileged position in this country where we just get to relax. But guess what? You're allowed to put in a little bit of work and manual effort once a year. I promise you won't die. In fact, they actually might be good for you.

Starting point is 00:35:20 this looks like another upstart if I'm not well hold on okay so you owe 1,500 your mom to pay for the movers because you couldn't take out half books and put them in a different box separate the items do you pay her a minimum monthly where are we with this she told me to start paying her in February just whenever I can't the just whatever we didn't really no we didn't really go over a number she just kind of said you know send a few hundred a few hundred like 200 a month a month or so. Is what she suggested? It was, we didn't really get a concrete number. It was, we were just kind of like talking about. What did you feel?

Starting point is 00:35:59 What vibes did you get? Um, a little vibe of numberage. I think 200 a month is good. 200. Okay, let's put that on. 200.

Starting point is 00:36:08 So you think she would expect that? You think if you gave 50, she'd be like, oh, what the fuck? No. I think because we didn't talk about a specific number,

Starting point is 00:36:18 she. Why have you not talked about it? Because I haven't gotten paid in February yet. well what's i'm talking about what the f how the f that required to have a conversation well because she told me to start paying her in february so i figured whenever i get paid about the conversation of when to start pain yeah i'm asking why you guys didn't come to a number you knew your income whether or not the do you only know your income based on what hits that last week like you don't know your income right now until you see your paycheck for this next paycheck no i do it's the same amount

Starting point is 00:36:47 then what the what the why doesn't matter to come up with the number when i get paid in february if it's the same damn income. Again, the logic here is broken beyond. I guess we just didn't talk about it. I'm asking why, though. I think because she just wants me to be able to pay her back whenever I can within my means. How often has she supported you financially throughout these 27 years? Well, okay.

Starting point is 00:37:11 Obviously, before 18 makes sense. But go on. It's not a lot. Normally, the only time I have usually asked for my... money is like if I can't afford to get like a medication or something. Like if my insulin is really expensive at the beginning of the year, I, are you on olympic? No, insulin.

Starting point is 00:37:32 Are you on olympic? No, I'm not. Okay. How much is insulin? So at the beginning of the year, it's pretty expensive because it's, I have a high deductible. So probably 1,200. But if we get ourselves to a healthier weight, you won't have to pay for insulin. Unless are you type 1?

Starting point is 00:37:48 That's true. I'm type 2, but I kind of. treated the same as type 1. So like whenever I eat, I take insulin. Why? When you can get rid of type 2? I have a follow-up appointment with my endocrinologist and I'm pretty sure I've had diabetes since I was a teenager. And so I want to get a blood test done to see if I'm actually type 2 because. Oh, this has not been confirmed. So they have told me that I'm type 2, but I think it's like, oh, you're overweight, so you're naturally just type 2 kind of thing. Yeah, that's how it works. And so there are type 1 diabetics who are overweight. And so...

Starting point is 00:38:22 Yes. So they didn't test for type one? No, no, no. I've never been tested for type one. It's like a specific blood test that you have to ask for. Yeah, do it. Do it. If you're type two, though, I mean, if this, this is easier to, easier being said to, here's the fact. You're obese? I'm obese. We're obese pals. High five. Woo, woo, woo. I'm lucky. I don't have diabetes. But, you know, the thing is, it is a bit more in our control than many other things in life. Yeah. I mean, that is a brutally I used to weigh like 315 pounds. So it's like I.

Starting point is 00:38:54 You're telling me that number without me knowing how much you weigh now. I weigh like $2.15. Okay. Then good job. But all I'm saying is like if we can't afford insulin and I get at the insulation insulation, the insulin situation sometimes can be f***ed. Yeah. If we're having to borrow from our mom though, maybe we take control the one thing we can.

Starting point is 00:39:13 Yeah. In that situation. If you type one, less control. Right. So I've been doing something lately. Someone's going to say out there that I'm fat-shaming when we're literally just talking about basic. Well, I'm fat. So I mean, it's whatever.

Starting point is 00:39:25 And me too. I've been doing something lately, though, that I'm hoping will help. And I'm using my, uh, HSA that I put in every month to pay for my therapy. You put into HSA, which I get for tax advantage. That makes sense. But again, even with the tax advantages you're getting, is it really competing against like a, again, this new upstart loan is at 35.68%? I mean, maybe not, but because I have these medical expenses, I figure it's probably better to do that because I guess if the money is going to go to it anyway, I guess. I've been putting my therapy and it goes towards my monthly deductible or my deductible. It goes towards my deductible.

Starting point is 00:40:08 And so I've been able to, because I go to therapy every week, kind of build up that deductible. So when I need to get the insulin, it won't cost me $1,200 all at once because I'll have methamphetamine. the deductible. How many have to get the insulin? I have to get it once a month, but I hit my deductible last year. So I was able to get kind of a stockpile. So I have enough to last me. So how long did you lose this weight? And how did you do it? Um, so actually I lost it because I had undiagnosed diabetes for so long that, um, really rapid weight loss is a symptom of diabetes. And so, um, I probably lost about 75 of it. I could use a little bit of diabetes. And I could use a little bit of I probably lost like 75 of it in a two and a half three month time span.

Starting point is 00:40:56 And so this is why I also have an inkling that I might be type one because that is like a symptom of type one that you lose weight really, really rapidly. Okay. We'll get the test. Yeah. We'll go from there. But if it is a little bit more in your control and that is something that we're brutally struggling to take care of. Yeah. You know, maybe we take care of the one thing we can.

Starting point is 00:41:16 You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water.

Starting point is 00:41:33 The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton, for the stay. Can't control. I wasn't sure I could pull.

Starting point is 00:41:48 off a pair of boots, but y'all, I'm wearing my pair of Tikova's right now. And you better believe I'm not taking them off. These things are insanely comfortable, straight out of the box, no stiff leather, no awkward break-in period. Just perfect fit, solid support, and a whole lot of style. I've worn mine for a long workday, nights out, even just running errands. And every single time, someone's like, ooh, Caleb, those boots are clean. Yeah, I know. And Ticovas doesn't cut corners. Every boot is handcrafted with over 200 meticulous steps to give you that premium built to last quality. Whether you've worn boots your whole life or never owned a pair, T-C-C-O-V-E-C-E-C-E-E-E-C-O-E-E-E-C-O-V-A-S-H-Hammer. This upstart, though, is at $1,225 in $8.

Starting point is 00:42:48 No, sorry, that's the financial charge. I keep looking at the wrong fucking thing in these upsurts. They look so weird. Okay. This upstart is at $1,093 minimum monthly payment of $38,000, because they want you to pay this, 35.68% interest forever. Of course, again, you fucking took out $1,062. But the finance charge on it was.

Starting point is 00:43:11 It's $1,225. So if the $1,200,000 you took out your pay in total of $287. $1.338 finance fee at the beginning. What was even in this one? So the last one is moving. If you tell me this is moving again. It's not. No, you're going to be more mad, actually.

Starting point is 00:43:29 Fuck kill me now. Go on. So I took that out when my ex and I went on a vacation. So it's another debt that's attached to something we did with our ex-fiance. Fiance, not even a fucking boyfriend, fiance. Yep. And this is attached to them a whole big part of our fucking entire life that we are still. Yep.

Starting point is 00:43:52 Did he never pay for things? I'm so confused. Why is this all on you? Vacation. Where'd you go? What if you're, you borrowed a 35% interest for a vacation? Oh, there's so many things attached to this. So.

Starting point is 00:44:04 For fuck sake, where'd you guys go for 35%. It was, so I actually borrowed that for spending money, but we went on cruise to Mexico. I already paid for the cruise. And yet you haven't paid for the spending yet. No. And so, when was this? It was like three weeks before we broke up. No, fucking. Yeah. You fucking kidding me. I wish I was kidding. That is insane. This situation that is attached to him in the past three weeks before you broke up. Okay. Yeah. So I used my tax refund to pay for the cruise.

Starting point is 00:44:48 Oh my fuck. Okay. Instead of paying off our last moving expense that we were being a minimum month. Like, we're not going to fucking cruise. Yeah. You're still paid off the spending. And you broke up through. So this shit was building by then.

Starting point is 00:44:59 If you broke up three fucking weeks after with your fiance. So I think, I think going on this vacation was kind of like a last resort. Like it, if we're taken out of. If we're taken out of real life and all of the, you know, things that go on in a normal day to day and we're on vacation and we're spending time together, maybe this will fix the intimacy issue. Intimacy. I don't think dude wants to get off the goon and wants the fuck because he sees a Mexican. I don't know. I mean, like, we're in a cruise room where, you know, it's, I thought.

Starting point is 00:45:38 The ocean? Maybe. It didn't work, though. So. Well, because that was a bad plan. Yeah. offense. In hindsight, that was a bad plan.

Starting point is 00:45:47 You literally owe more on it right now than you financed. Like, the amount you took out is less than you owe on it now. This is fucking crazy, dude. Yes. I mean, the payment term is $59. It's a 60 month loan for spending money with our ex-fiance that we broke up three weeks after. At the time, I thought it would fix my relationship.

Starting point is 00:46:09 I'm so confused. So far, we've, again, at the beginning, you talked about breaking up and getting like the house situation is kind of what kicked out started the situation we've looked at three debts two out of the three happened before you broke up so i don't know what the fuck we're on about that's what i was worried about and called out at the beginning i think we both together we're not like neither of us are good financially at managing our money and so i think we kind of fed off of each other um in that way and so now there's a different reason okay Well, I mean, yeah.

Starting point is 00:46:50 Yeah. Yeah. This one, this one's the one uplift loan. That one has a story as well. Oh, good. If it's trying to, or if it's trying to move, like, at that part, okay. You just get into debt for the most literally insignificant things, except for I get the, the, Well, actually, no.

Starting point is 00:47:19 Again, you could have half packed. You could have stacked the books differently. Weight less. All this debt so far, is that even like, we haven't even looked at a credit card. Usually I tell people to use the Fizz card

Starting point is 00:47:34 because it's a debit card that builds credit because I know you're always going to say, my credit. So I usually like to say, but we haven't even looked at that. You're just building out. I see a credit card coming. So I guess we're going.

Starting point is 00:47:43 Yeah, I think that's the last one. I guess we will do that. Okay, so uplift. Uplift we are looking at. Let me see if I can actually read this one, correct? This one's also a 35.94% interest. I think that one has around 300 or so left. 35720 with a minimum fee payment of 125.

Starting point is 00:48:00 124.51. So what is going on here? So in June of 2024, I went on a work trip to Estonia. and that's where my company is based out of. Estonia? Hold on. Wait. Is that a Balkan?

Starting point is 00:48:23 A Balkan? Are there in the Balkans? I think so, yeah. Okay. It's like right down below Finland. Yes. So that was all paid for by the company. The whole trip flights.

Starting point is 00:48:33 Oh. All that is completely paid for. Oh, okay. So I went there and I, I matched with someone on. Tinder while I was there. And so... Good thing we did not... I was there for two weeks.

Starting point is 00:48:52 Good thing I did not swipe right. Let me just... And... There for two weeks for work or the Tinder swipe? For a work trip. Oh, okay. I was there for two weeks, and I matched with him about three or four days into the trip. And so the rest of the time, when I wasn't working, we were like spending time together,

Starting point is 00:49:11 going to, like, he was showing me stuff around Estonia and whatever. It's like, oh, Carly, I like the way you look American. Not quite, but really close. So I left and we kept talking. And I decided I was going to go see him in September. No, fuck off. This last September, obviously, it would have been. Yes.

Starting point is 00:49:36 You're cheating what you were. So, okay. And so I got that from United. To go see your fucking little. Scandinavian, overly white, never had a tan day in his life? Yep. Okay. So that's from the United...

Starting point is 00:49:54 I'm gonna see a picture of this. You want to see a picture of this? I want to see a picture of this. Okay. Because apparently he's worth 35.94% interest. Well, he's not because I actually didn't go. You bought this. It didn't go?

Starting point is 00:50:08 So now I have a, I have like an $1,000 United credit now, but I canceled the trip and they... Why did you? cancel. Well, because if you bought, you borrowed so you were so close. Well, why did you, did you guys break up? Yeah, we broke up. We just. Virtually.

Starting point is 00:50:23 Wait, you guys were together technically? Yeah. Why did you break up with this one? Well, because we kind of realized that the long distance thing wasn't going to work. I mean, long distance. Yeah. Yeah. Long distance in maybe the same country.

Starting point is 00:50:35 Okay. But I don't know. The time difference was really hard. And like, he didn't really have a job. So I wasn't really interested in that. I know the Europeans love it when we shove our insulin and it just gets them going. He did have a like a belly thing. Belly thing.

Starting point is 00:50:56 Yeah. Just got up in those rolls? He liked the belly, I guess. It gets a little sweaty. Okay. I have a picture. Would you like to see? Yeah, yeah, yeah.

Starting point is 00:51:04 Okay. Oh. No, he's a little less neo-Nazi. Yeah, he's not. He's very... More like I'm going to spread communism to your country force. swiping. It doesn't turn into like,

Starting point is 00:51:18 I don't know. A stoning in each other. I don't know. I don't know. So don't swipe that much. Okay. I'm not sorry. It's a natural thing to swipe with it.

Starting point is 00:51:26 Well, I would not want to see that. Oh. Okay. For the 35.94% man. Yeah. So we broke up. So I canceled my trip.

Starting point is 00:51:39 And now I have the United credit. it, but I need to use it before, like, July or something. Girl, stop swiping on people and making bad choices. Yeah, I do make bad choices. Did you go, how many McDonald's did you eat after I swip left on you? At least two, probably. See, that's what I'm saying.

Starting point is 00:52:02 Yeah. It can't. I prefer chicken nuggets, but, you know. Dude, the nugs are so, I don't really, I'm not really a fan of the mustard on the McDonald's, so I kind of just. You can't say no mustard? I can't, but. But I don't know.

Starting point is 00:52:15 Sometimes I want them to put mayonnaise on it. And they put way too much mayonnaise on things at McDonald's. Oh my gosh. Look at us. We're rubbing our rolls together. Okay. And Nell net. Yes, yes, yes.

Starting point is 00:52:27 Yes. Okay. 21,871. When did you go to school? So I went from... Wait, you're a fatt past two. Yes, that is true. Wait, how many...

Starting point is 00:52:40 No, no, no. Your minimum fee payment is 144 or 49. That's true. That's true. 565. You're past 2. 20. What the fuck is happening here?

Starting point is 00:52:48 How do you possibly? How do you possibly get to go the fuck out to eat or go to Estonia to bang a white fucking Estonian guy? I don't even know how to make fun of them. Why do you get to do that? Why do you get to do that if we were passed on our fucking student loans? Yeah, that one, that one was causing me a little anxiety. that was not an answer to my question.

Starting point is 00:53:15 Who the fuck do you think you are going to McD's instead of paying on your student fucking loans? It is less now. Huh? I paid like $2.50 on it. So now it's a little bit. Well, that's not what you owed. You spend $800 going out to eat.

Starting point is 00:53:35 Yes. How can you be okay with yourself going through that drive-thru when you owe this bill? And it is fucking holding you back in. live. You want independence. You want to move away from this past relationship. You want to separate yourself from the deaths that you got when you got him. You want to take control. Yet you are incapable of because you can't stop fucking spending money on fast fucking food. In what world does that take priority? It doesn't. But it does to you. It does. Every second. And I think the student loans feel worse because I didn't even finish school.

Starting point is 00:54:16 So they feel like they were all for nothing, really. 40% of people who borrow student loans don't. It's a, it's a, it's a, statistic. Yeah. It's a, it's a, it's a, it's a one. That's why I like, I like, I always talk about course careers. They're my boys. We'll gift you a course career certification.

Starting point is 00:54:34 Our audience loves them. Lots of people have used them. But just, even if it's not your full career, just to get in and see if you're interested in a subject. subject, like a few hundred dollar investment is so much better than $44,000 or $21,000. If it's worth, I dropped out of school student loans as well. Like, I get it. But the thing is, I at least pay my damn minimum monthly payments.

Starting point is 00:54:57 I go to the McDee, very clearly. But I don't put it over my student loans. Yeah. I think I was just lazy and stressed with moving. And with moving? Did you just say with moving? Yeah. Did you just tell me you were lazy and stress?

Starting point is 00:55:22 Yeah. Fucking moving. Are you bringing this to moving again? We all move. I've moved every literal year except for one. Since I've been 18, I'm almost a dead 30. Well, I had like a month to figure everything out. So I was like, it felt like.

Starting point is 00:55:35 That's been my entire life. Listen, listen, and the guardians can tell me if I'm wrong here, maybe you are, that is the more normal situation. Maybe I've just been a little more weird with my moving. And I'm normal, but that just, That's normal to me. And I pay my fucking payments.

Starting point is 00:55:52 When I moved, when I had no money to when I have money, I made my damn payments. Even if I was moving. Then again, you did have to borrow from mom $1,500.

Starting point is 00:56:04 Why? Oh, $900 a month. I'm fucking gold all $100 a month. I'm just going to shit. So no shit. No fucking shit we're borrowing money for Mama. Yeah, so I,

Starting point is 00:56:21 um. What? So my parents have had a 529 account for me. But what's how much in it? 26 or so. What the f*** 26,000? Yes. So this was after the 26,000.

Starting point is 00:56:39 So you spent like 50,000? No. So they used that to buy me a new car. Oh, okay. Which they can. But even still 26,000, does that all have to go to the new car? No, maybe like seven or eight, nine of it. When did they have to get the new car?

Starting point is 00:56:52 When was this? When was this? December 2021. Wait, when were you in school? You're 27. Yeah. So why was the 529 not being used while you're in school? Would you go to school?

Starting point is 00:57:01 18. Yeah. Well, why was the 529 still sitting there? I'm so confused. They used it for a few semesters. And then I guess I just didn't really talk to them about the borrowing and the student loans. And so then they. they, I decided to drop out and not go anymore.

Starting point is 00:57:26 What were you going to school for? Well, I changed my major so many damn times. Most of the time, what were you going to school for? The last thing I was doing was paralegal studies. Why did you drop out? Because I just couldn't do school and work at the same time. So I just stopped going. You mean you couldn't?

Starting point is 00:57:41 Well, you're incapable of doing anything that everyone else does. I just want to make sure you're aware of that. According to you, you are incapable of doing anything that anyone else does. Let's get just some general statistics. Huh? Let's get a little general statistics. Well, I tried for a long time to work and go to school full time at the same time. And that didn't work.

Starting point is 00:58:03 And then whenever I started working, and as the years have gone on, I've made more money each year. And so I figured I'm not really interested in paralegal studies anymore. I'm not. So how often did you fall on and off these memberships? By the way, 74% of people enrolled in. in 2020, we're working at least a part-time job, full-time students working at least a part-time job on the side. So I can't.

Starting point is 00:58:30 It's like you can't half pack a box. Well, I think I tried for so many years and I just realized school wasn't for me. Well, that part's okay, but let's be honest. That's not the excuse to use. I think you were being honest. You thought you couldn't. You are lazy. Yeah.

Starting point is 00:58:47 You are lazy in every aspect of life. is what we are learning. That may just be a part of your personality. I don't want to say that's okay. I think the amount of time that I was putting towards school just at the end of it wasn't really worth it for me if I wasn't going to finish and I didn't want to keep borrowing

Starting point is 00:59:14 and I didn't want to, you know, I kind of decided to choose to focus on working and, you know, growing my career and doing stuff like that before. Which I get that part. That part's fine. Okay, so you have the car? Do you have the car? Yeah, I have the car.

Starting point is 00:59:32 Did they pay for it in cash? Yes. How much? It was, I mean, it used all of it, all of the 529. So I think it. I'm getting a value of 16,000 now. Yeah, it was back when the, all the, it's good. It was, it was.

Starting point is 00:59:50 back when the used car market was really bad. Yeah. So. Still not great, but it is a bad, or even though it's, I honestly don't think it's ever going to be able to what it was again. Yeah, it's great. I keep up with the maintenance and everything and it's. How many miles we got?

Starting point is 01:00:04 I think it's at like 47 or 48,000. And what was the car? It's a Mazda 3, 2021, Mazda 3. So, yeah, it's in great condition. It runs great. The mom is giving you $1,500. they paid for the car for you. What else did they do for you?

Starting point is 01:00:26 What else have they done for you? Whenever we decided to get married, my fiance and I, my mom decided to take money out of her retirement to pay for our wedding. Guys, I just wanted to say an extra thank you for making simpler budget, an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. wanted to continue to say thank you and give people the opportunity to try out the app. So we still

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Starting point is 01:01:29 And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler budget premium annual. Your mom took money out of her fucking retirement? Mm-hmm. How much? Wireless can feel like a world of traps, but not with visible. It's one-line wireless with unlimited data and hotspot. Powered by Verizon for $25 a month.

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Starting point is 01:02:17 Why'd you even allow her to? I wouldn't have even accepted that. Well, I mean, I figured she was offering. She was offering, but do you know how bad? The way she phrased it, she's 64. Okay, so she could take it out penalty free at least. Yeah. What does her retirement look like, ish?

Starting point is 01:02:37 It's. Best of your knowledge. I mean, I don't know the exact number. Best to your knowledge. Really good. She worked for ExxonMobil for like 35 years. So, like, it's like. It's like, in her choice what she put to retirement.

Starting point is 01:02:49 It's probably in the million. Okay. So how much is she? she take out? Really? Yeah. Okay. Okay. So she took out the way she phrased it was that I have enough and I want to celebrate with you and I want to do this for you. Oh, okay. Well, that's different. Okay. So she took out 8,000. Okay. Total. And the wedding was the, the venue was non-refundable. So I think she paid in total 7,000. That was you couldn't cancel. You couldn't change the date. You couldn't change the name. on the reservation or like the venue.

Starting point is 01:03:25 And so she, we had to pay. She paid $7,000 because even if, even though it was canceled. You guys were close. Did you like spend money in wedding rings and the dress and groomswear? I actually, I actually bought my dress. And it was like $600. So I bought that. Everything with this fucking relationship.

Starting point is 01:03:48 It's on my mom's now. I told her to put it on Facebook. marketplace. What? It's your mom's now? No, it's out my mom's. Like, it just... And you're having her to sell it? I told her if she wants to, she can, but... Okay. I mean, what am I going to do with it? Sell it? Well, yeah, but... You're the one that doesn't have money. You're just borrowed from her. Yeah, but it's like... I guess she could sell it and put it towards your dad. I'm just not sure how, um, I don't know. I got it tailored, so I don't know if it, whatever. Um, no, we didn't spend money on the rings because my ring... Good.

Starting point is 01:04:20 from my stepmom, my dad kind of passed it on to me, so it is my ring. And then she, I think she, when I had the conversation with her that we were going to not get married, I think she was kind of okay with it because she's been married

Starting point is 01:04:36 like four times. Really? So. Yeah, she just got married to her new husband in September. Oh, is she pre-knapped? I don't know. Okay, well, we're sitting at about three to five percent interest on these loans.

Starting point is 01:04:52 So I'm okay with that minimum monthly payment until it's paid off. But you actually have to pay the minimum monthly payment. Yes. The reason I'm okay with the- Why not for it? I mean, the reason I'm okay with holding the 5% again because it's like, I think new users who sign up for the investing app I use Mumu.

Starting point is 01:05:12 It's like they get like 8.5% on their money for like six months. And then it's like 6% or something. I don't know. But it's a lot of money. And that beats your student loan. that's why I'm okay. Minimuthity payment. We can use the money for our investments. Yeah. It offsets that. Why am I seeing red on this? Usually if I'm seen red on a document that meets it's bad. Okay, what am I looking at? Capital one. Don't even, don't even spoil it for me.

Starting point is 01:05:35 I'm about to get just fucking sneaked up on by this. Okay, what's going on here? Oh, fees, $40. Hmm, that's curious. Oh, wait. I don't see a single dollar going towards it. Oh, wait. It's about the fucking credit limit. A $1,500 credit limit. We owe capital one. 5,000, or 1,000, $1,593.22. Miner with the payment, 141. What is that fucking normally? What is it normally? How many months are you behind on this?

Starting point is 01:06:02 How many months? How many months are you behind on this? I think, I think maybe two because the monthly payment is like 51. You don't not make money. You don't not make money. Yeah. I understand you got in a little predicament with the collections in the past, which you should have taken care of.

Starting point is 01:06:18 And that would have prevented you from fucking yourself over when you got into this new place. So your fault, your problem, actually dealing with the consequences of your own actions. Who would have thought? But either way, even with that,

Starting point is 01:06:27 you make money where you could have made like a $50. Damn, payment on this. Yeah. I... So I'm going to say it's like a normally like a $40 payment, right?

Starting point is 01:06:38 It's $51. Okay, sorry. Yeah, 51. Okay, but you have $141 right now because we're over the credit limit. Yes. We're not paying the bills. $35.55 cents of interest is accruing.

Starting point is 01:06:50 And what are these possible fucking purchases on your Apple and Apple And Pastor, what do you fucking Pull up your subscriptions Let me see in your phone Nope It's my own

Starting point is 01:07:00 Let me pull it up Pull it up Or I have a little I have a little sneaky little peek It's really not all exciting I'm having a little look A little sneaky little look There's only one that's active

Starting point is 01:07:14 And it's my Well yeah But look at all the subscriptions You have signed up for So yeah We had Twitch audible, Snapchat, Tinder, a channel membership

Starting point is 01:07:26 to Valka Reek, YouTube. Meet Kervi? I think that's a dating app. It's a thick dating nap? Yeah. Interesting. They got one for everything. Farmers only. That's where I'm going to find my three-tooth woman.

Starting point is 01:07:40 That's not on there. No, I said that's what I'm going to use to find my three-tooth wife. Three-tooth wife. Only three? Farmers-owned. Okay. Bumble. More Bumble. Those are really old.

Starting point is 01:07:53 Face tune. Come on. Those are really old. Faced. Kind of. Not really. The only active one that I have is. Like literally is a couple months ago.

Starting point is 01:08:02 My eye cloud storage. With the face tune, come on. Don't like, don't like, you know. I'm trying to remember why I got that. Just not for the dating profiles because that'll like, I don't think I use that. You just don't.

Starting point is 01:08:12 Don't. Don't. You know what I'm talking about that word for when you look like different. When you open mixology. Catfish. Hinge catfish. Thank you. Coffee makes bagel.

Starting point is 01:08:23 Jesus for a fuck. It's like you downloaded it every day. And I put the fuck is the coffee made bagel. I don't know. It wasn't very good. What's different? Not anything. I've hinged and bumble.

Starting point is 01:08:30 Actually, it wasn't. That was probably the worst one. LinkedIn trying to find a sugar daddy instead. Everland, ebooks and audiobooks. Yeah, those are easy here to carry. That's true. I did cancel the audiobooks because you can download those from Libby through the library. so I did cancel that.

Starting point is 01:08:54 When Jake added up your subscriptions, total was $372.62.65. And to YouTube TV, $181.58 cents is that cable? Yeah. So I subscribe to the NFL Sunday ticket. And I didn't realize. You can't afford it. I didn't realize I couldn't cancel it.

Starting point is 01:09:12 I have it too. And I love it. And it's great for everyone who wants it. If they want to watch like the lions, because I can't watch them down here. It's great. Guess what? You literally are.

Starting point is 01:09:21 Faring from your mom for fucking... That was... I really... Yeah, I regard that. Luckily, my best friend's husband gave me half because he used it. But... Well, we're going to be getting fees

Starting point is 01:09:32 every fucking second. Our life on this card. Okay, we got a freedom card. Freedom to fuck up our entire life. Which you do have, and you chose to take that freedom, man. You did. $1,949.

Starting point is 01:09:46 And 86 cents, with a minimum monthly payment of $1.0. five. Okay. I see a fees again. $40 fees and $46.

Starting point is 01:09:57 $0.44. What are we doing? I was going to say, oh, you're at the credit limit. What? I think the, I think the interest, or sorry,

Starting point is 01:10:06 I think the minimum, the normal monthly minimum is like $59 or $60. And then I had the, I think I had a late fee on that one. I think. The only thing I get, it's fucking true. That's,

Starting point is 01:10:21 the only thing that goes. that goes on that card is my DoorDash Pass. You fucking DoorDash and it's Max the fuck out. How much you spend in fucking DoorDash? Well, that is only... How much you spend in fucking DoorDash? So... How much you spend in fucking DoorDash? Would be the answer you're going to give me.

Starting point is 01:10:38 I actually added it all up. The full year... You, okay. I went through every single like purchase on there. Sure, what was your year in review for fucking DoorDash? It was around $3,900. And we're trying to get off in some. Okay.

Starting point is 01:10:52 But that's only... That is only the door dash pass. That's more than a month of your fucking income. Going to damn fucking door dash. Yeah. I mean sometimes it's buying lunch for work and then I get ready. No, you pack. You pack.

Starting point is 01:11:10 Yeah, pack. No, no. For like team events. Fuck your team. You pack. But I get reimbursed. Like. Well, how much would you honestly say?

Starting point is 01:11:20 So sometimes it's not. No, off the $4,000, how much? was that? Maybe 500. Uh-huh. Okay. It didn't save you. Stop. Yeah. Stop. It's fucking crazy, dude.

Starting point is 01:11:35 Got fees and interest. Fucking late fees. Stop. This is such a mess. You cannot... I think I need to put things on... I think you need to cancel fucking DoorDash. Probably.

Starting point is 01:11:48 Because then I think... So you said you're in therapy, right? Yes. Think of... Every week. It's expensive? It's $80 a session. So it's like

Starting point is 01:11:59 Yeah. We can get you just like everyone in the audience and I use personally. We can get you three free sessions to Sondermine. But you're already with it there, but I don't know if I want you take yours. I get it. Okay. It's very expensive though. Okay.

Starting point is 01:12:13 Really? I thought that was pretty cheap. I guess it depends on your insurance in terms of what your co-pay towards it is. Is she in network? She's in network. Yeah. I mean. I don't know.

Starting point is 01:12:23 It might change once I meet the deductible. My therapy is covered now, but last time I did therapy covered through an insurance I got through work because I'm assuming you got, you're getting used to work. My copay was like 40 bucks. Well, I think once I hit the deductible. Because I started seeing her in December after I'd already hit my deductible and it was zero. So I think once I hit it. Another capital one? Yes.

Starting point is 01:12:46 I have two capital ones. For sick. Okay. That minimum is, I think, 25. $293. and 35 cents with a $25 in a monthly payment. I can read numbers sometimes. $57 of purchases.

Starting point is 01:13:01 Thank goodness. That's the one that I put. Oh, it's maxed out. It's maxed out at your 300. Thank goodness the max is only 300 because you have no ability to not go to the max. You're obsessed with going to the max. You see the max and you're like, I'm going to go there. Yep.

Starting point is 01:13:13 $7.27 of interest accruing. $57.54 of purchases. You've purchased on every card so far. Why are we purchasing our fucking cards? We can not pay. Why are we purchasing on our cards that are Maxed out, out, out, out. You owe your mom, why are you purchasing on fucking cards that are max out?

Starting point is 01:13:31 That's when I have my Amazon subscribe and save things on that I just need to change the payment. Okay, start a screen recording and let me see the Amazon account. Okay. Let me see how many dating apps are we going to see on there, a physical in-person dating apps, huh? I don't think they sell those there. Okay. I can see it because this is insane. So some of these purchases?

Starting point is 01:13:52 How do you think this takes to pay off? This 300. dollars with only minimum payment without doing purchases which you're incapable of. Just this. Maybe two and a half years. 15 months, but that's still insane. So some of these. Amazon Amazon.

Starting point is 01:14:08 My ex still has my Amazon. Separate. Fucking separate lady. Yes. Separate. You've already gone on a date with a fucking tall Eastern European man that's going to conquer the Balkans for Putin again. Like, separate.

Starting point is 01:14:26 He has a very strong feeling about Russia. from what I recall. Which one? Balkan Man? Mm-hmm. They usually do that. So they're a part of NATO. Okay, you got books.

Starting point is 01:14:35 You got your wiping your ass with some toilet paper. Ultra plus. Ultra. Wow. Okay. And we got lots of gain. We're really stocking up on the gain. We have diet, indoor, oh, adult cat.

Starting point is 01:14:51 Cat food. Lots of yarn. Lots of more yarn. Oprah's book? Those are, that's start. Starting with my ex, those are Christmas presents for his family or whatever. Not, I didn't pay for those. Those were, he paid for those.

Starting point is 01:15:07 Puzzle for adults. Puzzle for adults. Maybe we do need to go on more dates. We got some pens, plushy things. So, natural forks. I do. Nutra Chef? What's a Nutra Chef?

Starting point is 01:15:20 I don't know. I think that was another. Pans. Really, you didn't have any shelves, not once. You didn't have any shelves. You didn't have any bag. You didn't have any cookware. I needed some.

Starting point is 01:15:30 You did not have any. crochet stuff with your endless crochet. Oh, more yarn. Wow, you go through yarn like that. I do. And I, I, I brought it. I brought it, um, I can show you. You brought your yarn?

Starting point is 01:15:41 No, I brought a blanket I made with the yarn. Is this show and tell? Okay. Yeah, I'll show you. I'm back in kindergarten. Let's see. And it's really soft. Okay, okay, better be for the amount of money you spent on it.

Starting point is 01:15:53 Okay, for really soft. Okay. Let me give you my full candid. Full candid. I made it. Stop. It's the first blanket I ever made. I have blankets.

Starting point is 01:16:05 This isn't what I would consider really soft. It's the softest yarn you can buy. Okay, then you need better yarn because why are there softer blankets? Well, I don't know. It's made of different material. It's not crocheted. Okay. Can you really stay warm with all these holes?

Starting point is 01:16:18 Yeah, it's really heavy. Yeah, it is pretty heavy. That part's cool. It's kind of like a weighted blanket. I need to sew those. It has like herpes. Yeah, I need to sew those in. Also, my cat sometimes.

Starting point is 01:16:29 Oh, it's nice. How much does it? It cost you in general? Well done. I'm sure that's taking time. It probably costs. Did you make that? That looks like you made that too.

Starting point is 01:16:39 No, this is a, this is a Taylor Swift card again. Oh, that's why it looks like that. Okay. Yeah. Yeah. Right. So, hey, this is the cutest one so far.

Starting point is 01:16:47 But this cost probably 40 bucks in yarn. And then. That's how yarn purchases is like crazy in there. Yeah. So I accidentally bought the wrong size. And one of these was the wrong size. I think it's, cool. I think it's really cool. It's a cool hobby.

Starting point is 01:17:03 I keep going, I guess. The fact is, I just struggle with the purchase of it when we're literally barring from my mom in order to afford to survive and we're late on every payment and we're only max out cards. It's like priorities, right? I think it's... Wishing you could be there live

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Starting point is 01:17:41 Download the Priceline app or visit Priceline.com. Actual prices may vary. Limited time offer. Cool. I was meming on you. I was meming on that. I don't actually hate it. It's fine. Whatever. But it's just, you don't have a kid, do you? No, no, no. That's my niece. Oh, no. No, no. Well, that would just add a wild element to the. this conversation. Absolutely not. Okay. Also, Joanne's and Michaels was another 6771.

Starting point is 01:18:09 Yes. I did buy more yarn. Okay. It's the priorities of it. I want to support that hobby. I'm good with that happy. I think it's pretty cool. It's cool to actually produce something physical. I think that too. I think it's kind of cool. It's really cool. You can't afford it right now. You can't. You really can't. Name this credit card is a 30.24% interest. Yeah. You what?

Starting point is 01:18:33 I did make my friend a Christmas gift and she's going to come watch my cat when I'm out of town. She would have watched it whether or not you got her a Christmas gift. I know, but she handcrafted me something and so I wanted to make me for her. That's nice. It's nice. Sometimes we put off things for a little bit if we can't afford to literally live. That's true.

Starting point is 01:18:53 I see comments where it's like, oh, Caleb's whole thing. It's fucking, cancel Spotify. like, you can't survive. Yeah. You're literally not able to afford your existence. It's as simple as that. It really comes down to that base level where you are literally borrowing from your mom to survive. And you've done that all throughout life.

Starting point is 01:19:16 Come on. You've taken different handouts from them. And it's okay that they saved up for you. I'm not, I'm not, but what if you did have to pay for that car? What kind of situation would you be in now? You're maxed out on the credit cards. You're fucking laid on the credit cards. is a disaster. It's when you put off those special things.

Starting point is 01:19:32 Yeah, I think I would be, you know. And I'm good with the get the Spotify, get the yarn, when you're not able to, when you're actually able to live. But you can't. You are not able to survive. And maybe this is harsh for me, I don't know, me personally. I'm choosing you keeping a roof over your head over yarn. Crazy. I know, but. I agree. And I think the, the one thing I'm, I'm never laid on is rent, because I feel like that's the most For now. Look how your lates are stacking. Yeah.

Starting point is 01:20:01 Your lates are stacking. It is a for now equation with you. $1,273.34 on my best buy credit card with a $46 minimum monthly payment. Yikes, yikes. So that one, um, how long does this take the payoff? Maybe six years? Eight years. Okay.

Starting point is 01:20:26 So I don't spend on that. I don't spend on that. I don't spend on that one. ever. Well, thank fuck. But honestly, you're barely able to anyway. You can make like a hundred-hour purchase and you'd be there. Yeah.

Starting point is 01:20:38 Interest as accruement constantly is 29.49%. Why are we in it in the first place? Like, what the fuck did you get? So I bought a TV. It's for a TV, but you can get so many cheap TVs these days. Yeah. What kind of TV were you getting? I bought it in like 2019.

Starting point is 01:20:52 Even still, you could get affordable TVs in 2019. It's like a 75-inch Samsung or something. Oh, why aren't you getting like a fucking fire? or whatever. Dude, in what world when you cannot survive or you're getting a 75 inch Samsung OLED TV probably? No, it's not OLED. It's not.

Starting point is 01:21:11 It's not. I kind of wish it was, but it's not. Well, don't upgrade. I won't until that one break. It's just the priorities, man. I'm not saying don't get it. Don't get it now. Yeah.

Starting point is 01:21:23 You could have got a pretty good 4K TV for 500 bucks. It is really annoying. We have 60 to 7. 70 inch 4K TVs all over here. I purchased them for like 400 bucks and they're good. Yeah, it's really annoying to like move places to because I'm scared it'll break. Again, something that everyone deals with for sake, stop. Well, I'm just saying that I could have bought a smaller one and that would have been probably a better decision than.

Starting point is 01:21:50 Yes, I agree. I have a checking account next. So it was very clear with these payments and everything that you're doing. And I'm already seeing every line on here being on just the first page alone being marked as a bull purchase. Yeah. You don't know what the debt is. You don't understand the implications or the importance of investing. Go through all three of our classes, budgeting, debt, and investing.

Starting point is 01:22:17 You get it for free. They get it for 15% off, but you get it for literally free. There have been guests that come on the financial audit follow-up channel. Financial audit follow-up channel. They've gone through the classes. They've turned their lives around. There have been those who get it for free so they don't go through it because they don't have that investment. Yeah.

Starting point is 01:22:33 So they don't go through it and they don't change their lives. 10,000 people out there have taken it and changed their lives. You can do that same. Take advantage of this literal opportunity like none other of yours right now. This could be your make a break. You have the fucking opportunity. Go through that. Take advantage of the resources.

Starting point is 01:22:53 Don't piss me off by not. This checking account. You have the. Oh, there's five purchases on this first page and all of them are highlighted as bullshit. And there's $2 in our checking account. So I keep most of my money in my other checking account. I keep it in my other one. But it's your purchases, dude.

Starting point is 01:23:24 So I try to keep the money on there of the bills that come out on autopay. And then I put the other money in my other checking account because it, has like 3.93% or something. So I figured that's probably a better option than keeping it in that one that doesn't have any percent. But but but but but but but but but but but you had overdraft fees. So fuck you.

Starting point is 01:23:45 So whatever percent you're getting it does not matter. Yep. So fuck you. It's as easy as that. Fuck you. You. Fuck you. Yeah.

Starting point is 01:23:56 Paramount for fucking paramount. We're overdrafting for fucking paramount. Taylor. Swift shop. Oh, we got one of these. Okay. Here they are.

Starting point is 01:24:07 Oh, good. A Patreon. PayPal. PayPal. I doubt it's even our Patreon, is it? We literally provide more content in our YouTube membership. But I am subscribed to it. Well, not Patreon because you don't have that.

Starting point is 01:24:20 Yes, I do. Oh, I don't know. We just like YouTube more. I meant the YouTube. And that's the conflicting part of it is you have done and you're not able to survive. We want to offer it for people who want to support the channel and watch all the extra content we produce. We have like so many shows in our membership.

Starting point is 01:24:38 Yeah. And it's great, but that's the fucking moral dilemma, man. And you're fucking killing me. You're borrowing from your damn mother fucking mom. Cash app. Disney plus you have every subscription. Discord. You have every fucking subscription.

Starting point is 01:24:56 And there's your NFL bullshit. And Venmo overdraft. Overdraft. Yeah, luckily NFL doesn't come out anymore. Peacock, Peacock, more NFL. I should cancel that. I don't. I don't watch.

Starting point is 01:25:10 Amazon. Going in and get into some Target. Better be fucking groceries, is it? Because you never know with Targe. I don't know how much of that. Especially with how white you are. Yeah. How much was it?

Starting point is 01:25:21 164. Oh, I think that was a Christmas gift. So we're going to overdraft for a Christmas gift. Well done. Guys, we're doing so well. The mall. Spotify. You can listen to ads.

Starting point is 01:25:33 You can listen to ads. If you're fucking unable to pay rent, we'll move, putting down money for it. If we're laid on credit cards, you can listen to ads. If you think it's about Spotify, you're literally... It's not about Spotify. You can't pay your bills, so you're able to make a sacrifice. Amazon, Book of the Month.

Starting point is 01:25:57 Just GPT what the book of the month is. You'll be fine. Google it. You'll be fine. then we're not money. Klarna. We're clarning? What are we cloning?

Starting point is 01:26:09 I didn't see a fucking clarnia. Oh, uh, I got new shoes, but I paid that off. F' due news. Did you now have shoes? Um,

Starting point is 01:26:15 I didn't have, like, walking shoes and my underchronologist told me that I should get some. So I can, like, start walking and, like, getting physical activity. But I didn't have any,

Starting point is 01:26:24 like, all I have is, all I have is, like, converse. And, uh, so I didn't have any, like, tennis shoes. Maybe we live different lives,

Starting point is 01:26:37 but every shoes I've put on our walking shoes because I walk in them. Well, I came, I came to my endocrinologist. I went to my endocrinologist and he said that I should get like new balances so that I have like support. Oh, hello.

Starting point is 01:26:58 New balances. Isn't that nice? Yeah. They're very nice. They actually, they actually, they, that's the rule. They're very comfortable and my feet don't hurt

Starting point is 01:27:06 whenever I walk a lot. anymore because I did so I went. That's indicative of something else. No, because I was wearing, so I was wearing these like really like, I don't know, cheap shoes that were not meant for walking. Okay. I actually wanted to date to like the Trail of Lights and I, um, I didn't realize how much walking that consisted of.

Starting point is 01:27:25 I mean, I knew the trail was going to be walking, but you have to walk like a mile and a half from the parking lot just to get to the Trail of Lights. No, the whole thing from parking back is like two miles. You couldn't do two miles? Well, it was like a mile and a half. I looked at my steps. Well, that's good. But in total, it was like five miles.

Starting point is 01:27:41 I'm not fully against this, but you clarinet it. That's true. You're a minimum length of payment and all your stuff and you're lucky. I was wearing those really bad shoes. And so I went to my endocrinologist just for a normal follow. Listen, if the doctor said it, I'm good with it. But again, you're cloning it. It's like the thing earlier.

Starting point is 01:27:56 I don't even remember all this. This conversation has been long. Not opposed to you getting it. That's how you did it. Yeah. Amazon, Golden Chick. Now it's going to make walking harder. Yeah.

Starting point is 01:28:08 That's spicy tenders. Give spicy diaries. The jalapeno poppers? Gamblip. Hulu, you have every subscription. More paramount, Amazon, overdraft fees $102 in the first month of the year. No, that was December. Okay, in the last month of the year.

Starting point is 01:28:32 So this is where I keep most of, like, my money. $754, most of our money. Yeah, like, anything that's not... Starbucks, Michael. Auto pay. Michaels, isn't that shoes? That's not shoes. No, Michaels is a craft store.

Starting point is 01:28:44 Crafts store. Yeah. Okay. I go to like the same like two stores. Okay. Tie and sushi, torn dash. Yeah. Borrow from a warm arm to survive,

Starting point is 01:28:56 but we're door dashing. Jersey mics, Jersey mics, Joe Hans, Choans, Creative reuse, sushi and Thai, went and got some BS from the gas station, door attaching dairy queen.

Starting point is 01:29:11 Oh, New York. times Mexican restaurant Michael stores McDonald's Taco Bell's Etsy I bought a pattern Stop your fucking patterns

Starting point is 01:29:23 How about develop a pattern And paying off debt And not being like Gonna die in poverty Michael's Starbucks Waterburger Send it out 50 bucks You send out 50 bucks to

Starting point is 01:29:33 Um This conversation is long Piteri Starbucks Amazon Starbucks Sending out money Five bucks You don't know who you send money to you So I'm not gonna ask again

Starting point is 01:29:42 McDonald's, Starbucks, sending out 25th Donalds. You don't know where it goes. Starbucks, McDonald's, door dashing, Cabobobs. I think that's what I... I think that's me moving money to my... You go out to eat every single

Starting point is 01:29:53 day of your life. Yes, in December. That was probably true. Steam purchase. That's not gonna encourage you to move. Taco Bell, more steam. Target, probably simple with knowing how you do things. McDonald's, McDonald's, Starbucks,

Starting point is 01:30:08 dairy green chick-fil-A, Taco Bell, McDonald's, Starbucks, Starbucks. fairy luke cobobobbs home my oh which fuck guys it's a real good purchase look at this guys Target Books Beteris

Starting point is 01:30:22 Russell's Bakery Target Michael stores Russell's bakery Stop Hub 50 bucks Amazon Starbucks To good to go To go

Starting point is 01:30:30 Amazon Go win inside I got some bullshit Starbucks huh Starbucks huh? A lot of bread What? I got a lot of bread From my Too Good To Go order

Starting point is 01:30:38 I have like a whole loaf In my freezer And it was only like 10 dollars Why are we obsessed with bread? What are we talking about? Why are we bragging our bread right now? Well, because then I can have it in the freezer and... You know, you can make your own bread for cheaper.

Starting point is 01:30:55 I did try to go, and that's actual home... I did try that. Taco Bell sending out $3508.48. Do you know where that one? So anytime the money moves somewhere, it's me sending money to my chase checking. Oh my gosh. So that we can try to not overdraft, even though you're overdrafted like four times, right? Yes.

Starting point is 01:31:13 I think you need to consolidate into one checking and it got, you cannot manage shit to save your fucking life. Yeah, that's probably true. Waterburger, Alamo, Alamo draft house. The Mexican restaurant, McDonald's, Twitch Plus, Twitch Interactive. So I see gaming and Twitch. Is that a big part of you? Yeah, so I, that's actually how me and my ex met.

Starting point is 01:31:35 We met on Twitch. Yeah, well, don't do that again, obviously. Yeah. But yeah, I watch, like, streamers and I play games sometimes. Who's your streamer? I like watching Valcuree and Ludwig I know Valcary

Starting point is 01:31:47 Cycuno and I know of Ludwig I've heard Valcary's name Don't know her Yeah It's a lot of people Who used to be really Into like the Among Us

Starting point is 01:31:56 When that was kind of popular Okay And I just still watching You set out money Animal Draft House Went to Target Amazon Amazon This is crazy more

Starting point is 01:32:06 Etsy Got to get some Patterns guys Went in got some B'Bing Got some bull-fing the gas station Beans Cafe Beans

Starting point is 01:32:12 Cafe, Beans Cafe. Oh, if it isn't, if it isn't fees, if it isn't $3476 of fees, overdraft. Well, that's from sending money. Oh, sending money fees, you have. Yeah. So I'm curious if I should keep my money in the chase or if I should keep it in there so I don't, and like move over all my auto. I don't know.

Starting point is 01:32:36 This bank I use Chase, Chase is fine. Yeah, but that one gets the interest. So. If you're interested, you're paying overdraft fees that don't. matter. Stop. Keep it in the checking that has interest versus the checking. Trading Eshwab is now powered by Ameritrade, bringing you an expanding library of education

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Starting point is 01:33:18 You're overdress. I don't care. I don't care. Just go to one. I don't care. It doesn't matter. You have $4,000 for retirement. I actually have like eight or seven.

Starting point is 01:33:30 I have two. No, because you have two. Yeah, you have about like $8,000 to $9,000. Okay. Good fuck. That was an hour and a half. All right, let's see if we can budget you. Okay.

Starting point is 01:33:41 I have all my numbers. she has her numbers. Yeah, she's incapable of following them. Yeah, I'm not going to trust your numbers. Well, I have all the... Your income, $3,600. That's $3,400. Oh, 34. So I have $3,400, and then I take out $3.20 from my HSA.

Starting point is 01:33:59 But that goes directly to therapy, so it kind of evens out. Hold on. Oh, okay, okay, okay, okay. But, okay, yes, yes. Then we'll cross that out. Yeah, yeah, yeah, yeah. I'll put therapy under there, but you already have it accounted for. Yeah.

Starting point is 01:34:12 That minimum of these, 843, 8. 18. Okay, your rent and everything? Rent plus the bullshit please. Yes, yes, yes. It's like 13.09. Okay, 13.09 utilities? The electric is only one. It's too expensive. You don't have to live like that here in Austin. I know for a fact. Electric is 25. And then AT&T internet is 60. Is there any gas? No.

Starting point is 01:34:42 25 for electric. That's really cheap. That was my first bill. I'm not sure what the next one will be. going to market as. Maybe 40. I'm going to call it 75. Oh. Gas, room, drive, drive. Probably about $45.

Starting point is 01:34:53 Phone bill. Uh, it is $1.15. How? What is with people? I have a, I have this. Because you financed it.

Starting point is 01:35:01 Yeah. Oh my gosh. They have created a racket. I think it's almost done. I think I have two. Good. When it's done, switch to fucking helium. 15 bucks a month.

Starting point is 01:35:07 Same towers is T-Mobile. What is it for now again? A 115. That's insane. How do people pay so much for that crap? Car insurance? Um, 137.

Starting point is 01:35:18 TP, 500 bucks, anything else you need to survive? All the Taylor Swift you need plus toilet paper. What's the difference? Food, $300 a month. Use our budget-friendly cookbook. Oh, it's right here. Look at that. There it is.

Starting point is 01:35:29 There it is. You get it with the simpler money premium or the simpler budget app when you sign up for premium and you get the digital version of the cookbook and work out a physical option as well. But check that out. Medical. We have the therapy. Anything else? Well, yeah, what's your co-pay?

Starting point is 01:35:47 Well, like, what are we putting there for insulin? I would probably give like $1.25 a month for... Extra? Yeah, for like all my medicines and stuff that I need. Perfect. What's you need? So it's insulin. I have a sensor that's like $70 for a month.

Starting point is 01:36:02 I have like other pills and stuff. Okay. A little more trail lights. Yes. Well, that's done, but yeah. Yeah, but you can repeat that. You can do it the whole thing. Listen, I know I've been joking and some people are going to see it as me

Starting point is 01:36:13 and salty and stuff like that. As I'm going through the process as well, I'm like finally starting to take some things a little seriously after some conversations and whatnot. So only a couple weeks in, whatever. It doesn't matter. But either way, I mean, it's just, it's seriously just, I want you to live a long life. I think I'm not going to baby you. And I want you to live a long life and a financially healthy life. And it's not, let's just be real.

Starting point is 01:36:36 It is not okay for someone just here and say, it's okay. Yeah. It's okay. It's not okay. You're objectively unhealthy. I'm objectively unhealthy. Yeah. Let's take control of this.

Starting point is 01:36:46 Let's acknowledge it. Let's not hurt ourselves for it. Like no one's so fucking suggesting that. But let's work on it. That'll help lower your costs. And I want you, you're going to put in so much work to get out of debt. I want you to actually live a long life in order and reap the benefits, right?

Starting point is 01:37:01 Yeah. Because what's the point of getting out of debt, saving for retirement if you won't retire? I think if I cancel the DoorDash pass, that will really deter me from ordering. I hope so. Delete the app. Because the fees,

Starting point is 01:37:13 After I see the fees, I'm like, actually, no, I really don't want to order that. But I think because the dad's- You're just going to follow the cookbook and you're going to make our budget on the recipes. I did unpack all of my cooking supplies. So. Well, that's the basic necessity. I'm not going to high-five you. What is your pet food?

Starting point is 01:37:29 Probably about $30 a month. Okay. Not a monthly basis. Axing out the therapy because that's covered. Yeah, it cancels. It's up. $3,134.18. So the $3,400, you have an extra $200's a extra $200.

Starting point is 01:37:45 65, 82 left on a monthly basis. That's brutal living. With that, I mean, if we minus the student loans. Just 132. Actually, you're a bad debt. We talked about a lot of debts, but they don't end up too much.

Starting point is 01:37:58 At 10,100. It's still horrendous, what? I shouldn't pay my student loans? Why are we so attracting it? Because you're doing minimum of payments until they're paid off. I'm trying to figure out what it would take to pay off the rest of this stuff

Starting point is 01:38:09 as hard as possible. Without any fun money. It would still take 38 months, even for just $10,000. thousand dollars is substantial but it's low compared to a lot of people on the show and it's a low for how many deaths we went through that still takes three years three years to pay off and then your student loans that's probably going to take like uh probably like seven more years and then you got to save up for an emergency fund this is probably three years and three quarters so you can do that

Starting point is 01:38:32 the reality of your situation probably going to need to pick up a part-time job or something i i'm probably getting a raise in april raise is going to be good i don't think it's going to stretch far enough I need you bring an extra 750. Buddy, you can knock this down and under a year if you bring in an extra 750. Not a year, three years or a year. Yeah. I choose a year.

Starting point is 01:38:53 Call it a year and a half and you got a fully funded emergency fund. You can stop that job. And your life has changed. And you can 50, 30, 20 until retirement. And your life has changed. You just need to take control. Here's the summaries of the conversation. You're lazy, beyond lazy.

Starting point is 01:39:09 You make endless excuses that everyone just doing things. things that everyone goes through and you're just not so far haven't been willing to put in the effort if you do we can get you out of debt in a year even if you put in the minimum effort required you can do this in three years but you can you can do more than that so should i put should i be putting like the i get a stock pay out every um quarter should i put that towards a certain debt or we'll bleep it what's the stock it's with my company Okay. It's about 700 every quarter.

Starting point is 01:39:46 What discount are they given you on it? Or is it just free? Yeah, it's like part of my package of employment. Yeah, that's fine. I think so. Well, well, how much? Okay. I see.

Starting point is 01:39:58 So it's 700 every quarter and I choose when I get the money sent to have them take out the like taxes and stuff up front. That's not make or break for you. You can. Okay. can. Yeah, it's not a break. You can. I would go get that extra $750 and that on a monthly basis. All right, guys, make sure to join

Starting point is 01:40:18 us in the post show. That's where we have an extra 20 minutes of fun after every episode. And usually we uncover something big as well because the producers, they know everything about your life. And I don't. There's always things missed. And we got like over a thousand hours of extra content. Make sure you join Hammer Elite for the best value of your dollar.

Starting point is 01:40:34 Okay. Spending your budget. Let's get your hammer financial score. Spending your budget. Yep. You didn't even go over it, dude. It's crazy. Let's find out. We know your income. And you spent $9,000.

Starting point is 01:40:49 Okay. Oh, fuck off, dude. Well, that's with all the... Zero out of ten. Yeah, it's with all the money that went out. And we also know you spent $900 dollars going out to you. Yeah. Shut the...

Starting point is 01:40:58 All right. Zero out of ten debt. No collections right now, right? No collections. But that's bad. I think we get out of it relatively easy. As far as that goes, it's more of a two out of ten. emergency fund. Nothing saves zero out of ten. Retirement barely started. I'm going to say, well, with $8,000, so there you are with your income. 27. I'm going to give you about a three out of ten there because we are going for retirement for age. And then real estate zero out of ten for now. It's going to be a hammer financial score. One out of ten. Guys, we'll see you in the post show. And don't forget to download the new simpler budget app. You get a free trial and it's great automatic connections. Actually change your life for the first time forever.

Starting point is 01:41:38 I'll see in the post show. What did you possibly f*** do? I went to go see Taylor Swift in Miami. I want to give a little reminder for everyone out there. She had to borrow $1,500 to move. She had to borrow $1,500 to damn move. It's not paying on her credit cards. But what does she choose over her mom?

Starting point is 01:41:58 She chose Taylor Swift over her mom. She chose Taylor Swift over her mom. Guess what Taylor's taken with the Chiefs, with the Chiefs. To watch the Financial Audit Post show, Click the join button below. You can't reason with the sun. Trust us. We've tried.

Starting point is 01:42:15 This summer, it's time to put that angry ball of fire on mute. Columbia's Omnichade Technologies engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your summer at Columbia.com to spend more time outside and less time slathering on allotion. You're welcome. Columbia, engineered for whatever.

Financial Audit - Financial Audit’s Thirstiest Guest

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