Financial Audit - He's All Over The Place

Episode Date: November 17, 2023

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Hi, my name's Hector. I'm 25 years old based out of Orlando, Florida, and this is financial law. You, Mr. Hector, have a pile of things I have not seen in quite the time. You've gotten yourself into a mess. For 25, man. I'm a little nervous. We'll jump into it. We'll get into it. First, I need to know what you do for 11. I'm a server Yeah, pretty much it I've been serving for a decent bit now

Going on two years Jumping around from place to place You have a lot of student loans For someone who's a server Yeah The student loans are actually a pretty long story So Did you, well, before you say the story

Story, did you get a degree? No, it wasn't for a degree I had got caught up in a situation Where I Signed up for a certificate program Yeah. I don't really know if I should be like disclosing the school. There's like no lawsuits or anything like that.

You don't really say the school. But a lot of things were promised. And this was when I was, I want to say anywhere from 19 to 21. I kind of like bit into the dream. And I went through the process. I went through the trial period. It was for cybersecurity. So it was a certification for cybersecurity?

Yeah. Yeah. And we were told that we were going to get like a lot of things akin to like a boot camp. So we were told that we're going to get like practice test. and we were going to get like opportunities to take certificate test and it never came. The school that it was with, we never really got access to the law. I want to say the school, but at the same time, I don't know. You can.

It was with like UCF. I love the school. I feel like in Florida they provide a lot for the community. But the course wasn't provided through UCF. It was provided from another like program. And they just used UCF like as essentially like a headspace. Dude, one of my best friends here in Austin, no degree, certification and cybersecurity makes over 100 a year. Yeah.

That's incredible. That was one of the things that we learned going through the program was like there's a lot of things that you can self-teach yourself. And even like when it comes to like the course of boot camps, like the course itself started at, um, $17,000, I believe. And that was with a $1,000 down payment. And then I've been. That's why I talk about course careers, man. Course careers is like a few hundred bucks. I don't, they don't have cybersecurity yet, but.

Um, they, uh, it's a. predicament in which I've been on deferment for so long that I've just... Why are you on deferment? Because I'm still going to school. And I... Still going to school? Yeah. When did you start going to school?

It's been on and off since I was like 21. Oh, 21. I've been taking like two classes a semester. And I took two years off when I initially graduated. I don't know. I don't know if school is necessarily for me. Then why are you doing it? If you are asking yourself, is school for me?

That means we probably at least don't. do it until we say the answer is yes. Is school for me, for a lot of people, the answer is going to be yes, and that's absolutely fun and there's right ways to go about it. Is school for me, you don't know the answer? Let's not go borrow total distributed amount, $17,000, which ballooned to $21,000. We don't go borrow that if we don't even know if we want to go to school. We don't take two classes a semester right now if we don't know if we want to be in school.

Yeah. it's a situation in which I feel like not an identity crisis but the idea of not knowing what I want to do for a profession that's fair is has put me in a predicament where I'm grasping for straws have you taken a career quiz

a couple a lot of them are like communications or like HR I do enjoy speaking to people it's just I don't know the idea of school itself hasn't been so it's schooling it's not the career it's to me it's not even the fact of schooling it's the length the amount of time that it takes to get a degree. Like, that's kind of what gets to me.

And I actually, I'm enrolled in course careers for tech sales, but I personally don't feel like I'd be a good agent. And that could be something. As much as I love them, as much as I like that, sir. And I was in tech sales and I made money. I made money in tech sales. It was great. It helped me get out of debt.

I want you to do that. I want you to take advantage of that. Why pay for that if it's not what you even wanted? If it's not, if you're like, I'm not even going to be good at it. Why are you doing it? I see it as an option. It's something, it's very impulsive. It's like,

are you an impulsive person in general? Typically, no, but I feel like there's certain aspects. Like my self-evaluation of myself, a big problem is that like lack of direction. So when I feel something that could be an option for a direction, I'm like, got to go with it. Option, got to go with it. Yeah, but there's just like a billion options.

It's more narrowing down what makes sense. Okay. So the direction of your life and what you want to do, that's something that's obviously going to have to be a big part of the conversation. I'm sorry, how much did you say you making your job? I do about $3,000 a month. After tips, after everything? Yeah, so that's actually I rounded out just what I'm taking home daily.

It doesn't include what I get on my paycheck, but my paycheck is only $30 a week. Yeah. So we'll call it $3,000, $100, including the paycheck. I am part-time, so I'm only scheduled two days. a week. I have the opportunity to pick up. Two days a week. I have a lot of free time on my hands. The...

Why? Why? You know you have like some of the most disgusting debt humanly possible. I know I need a second job. Oh. You total distribution amount 17,000 current balance 27,000. It's gone up $10,000. Yeah. Why are you...

Before this, he told me he's been watching for a year. If you've been watching for a year, man, why are you still around? Honestly, so a big part of it is I'm not making excuses. I know that I should have been doing it. I just got out of like a long-term relationship. And I feel like I was very complacent within the relationship. And it just wasn't something that was on my mind. And I was enjoying life, like, things day to day.

And I already know where this is going, like, oh, why enjoy life? while having this debt when I could just like sacrifice two years to the rest of my life. Temporary sacrifice for the rest of your life, man. I feel like once I kind of like left the relationship or well the relationship ended it put me in a predicament where I was more acknowledging my financial mistakes.

And so while I was watching the episodes, I knew that I needed to change things, but just complacency was there. You said this is an deferment. I want to take a brief moment to thank today's episode sponsor, ORA. When you get an unsolicited message, that's because your private information has been bought and sold. And unfortunately, that's done via data brokers who are making a fortune selling your private data on the web. These data brokers often sell your private information to scammers or various fishy websites.

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Thanks again to ORA for sponsoring this episode. I made my first payment actually today. Today. I was going to say the date is today. Yeah, I made my first payment today. $420. You're not in school right now. I took this last semester off and the time. How were you paying for school?

Financial aid. So this, again, this is something separate to college. When you say financial aid, does this mean federal student loans? No, no, no. Like they were covering all of my schooling. Yeah, I'm in community college doing like two classes a week. Financial aid covers it. This is something completely different from like my AA.

Yeah. certification and like a big red flag that I probably should have followed was like the fact that financial aid didn't cover the course. I don't even know if it was accredited. I learned a lot going through like this whole experience and it's- Well, certifications, they're a really good boost to the resume. They're not necessarily going to be everything. They might help you get your foot in the door, but you're going to have to show, especially in those more tech field. Yeah, the knowledge.

you process the knowledge and the skills. $27,131 at $12.37% interest. And it's fixed. You are beyond lucky that it was fixed. It was purposely put on a fix. I had the option to go variable, but. Fixed at 12% may have felt like death two years ago. But with where it is and where I've seen some people,

Sally Mae loans these days. Okay. Yeah, I made it fixed just because. $420 a month? $120. a month? If I buy your $3,000, it's 14% of your money. 14% of it.

And you're probably not claiming tip wages. Yeah, no. Does anyone, I don't know. I don't know if anyone claims to two wages, unless it's like forced upon them by the job. Yeah, I mean, I've also like people who are trying to buy like a house or something or like a car, but I know that that's not in my near future. No.

Yeah. No. Not even comparable. Okay. there was one bright spot before we go down the deep abyss of death and insanity. You had a credit one balance, and credit one's like evil, terrible card, of which you've lost $97 in fees this year so far and $40 of interest. But you paid it off.

This was the bright spot. This made me happy. All right, to the darkness. We had a solid 15 seconds of joy and happiness and a halo around the top of my head and yours. Now the horns come out We paid off a balance of a card But we immediately put $438 on this card It's not an excuse

I'm just gonna tell you why I happen I after my breakup I kind of like I didn't spiral But the opportunity arose Where like my best friends were like hey do you want to go to Puerto Rico And I was like you know what I handle my debt when I come back I 12% death private student laws

Let's go to Puerto Rico Yeah um I paid the balance off and I had all intentions to keep balance off, but what ended up happening was I, me and my ex were living together. And my insurance was based off that address. And because I couldn't provide proof of insurance, my insurance went from $220 to over $500. So insurance is back down to $200 and something dollars, but moved back in with the fam, if I'm not mistaken, correct? Yeah. I was paying like $12.50 and ran utilities prior.

Yeah, you don't really ever. choice but now i'm paying like two hundred dollars in right so on here's like four hundred eight bucks still right no it's three ninety something so four hundred dollars okay great okay yeah four hundred dollars okay okay fun fact no more trips to porto rico man yeah buddy you can't even afford to live right now can't afford to live right now porto rico is not i'm sure porto rico's great i've never been maybe someday not when not having a fully fund on an emergency fund not when we're having nothing in retirement you

35 dollars minimum monthly payment oh it's I mean the limit's at 500 dude it's at 4 okay all right yeah pretty high utilization and of course what were we doing we're getting some mehito liqueurio

and Mexican restaurant and mojito lique rio again churches chicken airport convenience in cowboy chicken and very important stuff that are needed. For a point. Foundation core. Foundation core. So that's actually something that I also wanted, well, have to bring up.

It's, I did it again. It's a $2,000 med school court, course. What the fuck you're doing? Grasping for straws. No, you're, hmm. So that's a zero. A med school course? It's, so it's provided through Avent Health.

Avidant Health is like, I think they have one here. Like they have a couple here. Advent Health. So it's a really big private hospital in Florida, in Central Florida. And they provide schooling since I don't work for them. Schooling for what, though? What is it accomplishing? It's an EKG monitor course.

It's 0.17.50. It's zero percent interest and it's going to be $100 a month starting 90 days after January 1st. That also causes me a bit of dilemma. How much is O total again? 1750. Okay. Okay. You're just sending me down a road of promotion, so I don't want to, whew.

Sure, that's 0% finance, but then you also did like your $250 minimum down payment, I'm thinking? Yeah, so it was a down payment. On a credit card that has a 27.24% interest rate. Fees and interest is yours so far, of course. Wally World Got a card for it Capital One Walmart Why do you have a Walmart card my friend

So this card was opened As well as the Savor 1 card Which I'm sure is going to come up either next or after the next one is This one specifically I had to open because I didn't have an emergency fund I got into an accident And it was considered like cosmetic damage So So I'm technically at fault because I was changing lanes.

And when was this? Like it was a while ago, like almost a year ago. Maybe actually a little bit over a year. Not having an emergency fund is an emergency. So I opened this card and I had to pull out essentially like taking out cash, like a cash advance. And I just haven't. I've been distracted and not really focusing on paying it off. But that's the only reason why the card exists.

aside from that the same thing on the saver one card is just that the reason why the balance is so high on the saver one card is because i then had to fix my brakes which was another thousand dollars because it was so bad my rotors were grinding down yeah yeah yeah we did the minimum monthly payment thirty one dollars of interest was recruited the balance only decreased by eleven dollars yeah that's also something that i just recently noticed because i haven't been that you're just not making progress because it's a 31 1.99% interest. $78 of fees this year so far

in $314.20 of interest. Save your, save your card. That's the one that I was just talking about with the whole brakes and the cash advance on the accident. I'll tell you what's not an accident hitting that subscribe button because they're trying to get

to a million subscribers. Thank you to everyone how to subscribe. Thank you for subscribing for a year now and thanks for putting a situation on display. Because other people are going to relate to it. There's other people that are like, I don't know what to do in life right now, and they're taking out dead, because they don't have an emergency fund, and shit is the cars all the time, and you need a car,

and then our car-driven infrastructure, so it's just like, I appreciate you for them. Hopefully we get you do a better situation, but until then, $2,783 on this card with an $85 minimum payment, $58 in a cent of interest, accrued in just the last month alone. Only on making the minimum-monthy payment, of course, the balance decreased by only like $30, even though you made an $88 payment. Interest $24.99, $595 of interest

agreed this year so far. It sucks. Yeah. It sucks. It is what it is. You did it. Okay, here we go. Okay, so here it was a card that was

basically paid off and then you put $69 bucks on it. Now, I'm assuming this is paid off. Yeah. Good, but again, why are we going and getting liquor for $70? when we have two credit cards we can't pay off. Actually, three credit cards we can't pay off now financing a medical program that we're trying to do

for something you probably don't even want to do and we're not going to do and you have no interest in doing. I don't even know because who knows. And private student loans at 12 point death percent interest rate at $27,131, which is 12% of your take, well, not even take home, your pre-. Yeah, but you're not paying your taxes. Okay.

Okay. I'm actually W-2. The taxes do come out of my paycheck. You just don't, but you don't claim. Oh, well, cash. I mean. Yeah, so it gets taken out of your, you know, $3 an hour or whatever it is. It's actually $8 an hour.

$8 an hour is, wow. That's the reason it's so little is because you work two days a week. $102 in interest this year so far and $50 of fees. We have all this debt. We're not going to the liquor store every second of our life. And by the way, two statements. now three liquor store trips within a month i i want to go ahead and preface by saying i'm not an alcoholic nor do i drink a lot it's just that i'm not suggesting the the month of october i

did go to a lot of events and with that being said i didn't want to show up empty-handed it's not it's not an excuse yeah it should show up to events without debt is what i say yeah also we're probably not going to events we're going to work instead of working two days a week we're working seven now you just take out these insane interest rates loans at stores. So I'm guessing this is a firm or something. Yeah, so it is a firm. The one from Best Buy is the larger balance one.

During the end of my relationship, I kind of was like realizing what a couple of like my wrongdoings. I had bought a TV. Is that what this is? Yeah. A TV at 35.98% interest. Yeah. Must be a great TV.

It's a Sony. It's pretty nice. Sony what? I don't I couldn't tell you the exact is it old-led? I believe so yeah it's um uh it was just like it was impulse like my ex wanted and I was like you know what so then you financed it of 35.98% yeah

with a 102 dollar minimum monthly you've paid 392 at this point 225 remaining with payments of it's 75 bucks living your life, living your life, minimum payment to minimum payment. It's the American way. You're living the average American.

I'm making sure I dig in any situation just so you know for the true first time in your life, how actually bad in devastating, how much this is holding you back, because I want you to succeed so bad. You know how cool it is whenever I get updates in the private discord from guests or emails, when they're making progress, that means people have come here, sat at my table, had a conversation with me,

and they've improved their life. You know how awesome that is? It's insane. First, I need you to know just how bad this is. What kind of situation when you got yourself in? This is, if you watch kitchen nightmares, this is the point where I'm going in, and I'm smelling the old moldy food,

and I'm throwing up at your debt right now. Let's get you to the better spot. Love you, Gordon Ramsey. Let's collaborate. We do love Gordon Ramsey. No way he knows what this show is, but I do love you. Mr. Gordon. Master Chef is my show.

Okay. And then an Amazon, Amazon Affirm or something? Yeah. It was nothing, dude. It was like $100. Oh, so this was for, honestly, me getting this affirmed was, like, I think I had, like, rent coming up when I lived with my ex. If you have rent coming up and you can't afford rent, do you then go buy this?

I could afford. rent. I couldn't afford rent and the bar. Exactly. So do you go buy this? No. Sorry. Sorry, that just kills me. That just logically, like I felt the fucking worm in my brain nibble on me, a worm of stupidity

from that kind of thought. I know you recognize it's dumb now, so I don't have to dig into you as much, but that one, because I know there's people out there who still think that right now. People have been on the show. You bought stool benches? It was a bar stool. It was a pair of two bars.

It was a pair of two bar stools. It was honestly, I purchased it again. I wouldn't affirm it, obviously, because once those affirmer are gone, there's... Yeah, necessary to survival, isn't it? $47. remaining. Okay.

$7. Oh. Oh, it's a $15.95 cents. Mm-hmm. Their monthly payment. Okay. It's a lot of debts. Now, this was insane.

Okay, so the EKG, we already went through that. Mm-hmm. You borrowed from your gross. Grandpa? Yeah. I'm sure that I'm, I mean, I don't think he cares about the fact that I don't He probably loves to fuck out of you, but like even still though. Shout on my grandpa.

He's the best. Sure. The whole owing the money to my grandfather is like a thing of like me personally. I just want to make sure that he gets that money back. Yeah. How old's your grandpa? Mid-60s. Okay.

Yeah. Young grandpa. Yeah. Yeah. My parents are young. My grandparents are pretty young for what grandparents are. Yeah. Yeah.

He never, he's never, what was it for? It was for the down payment on my car. So that, like, that's literally the only is. You know what?

You know what's interesting? Before I got my shit together, I borrowed a similar amount for my grandparents. Really? My grandparents for a down payment on a car. Yeah. My car is very similar. Paid off.

The only thing that I did have help with was the $1,000 initially. I've given him $500 since then. Actually, this is kind of exactly. The affirmed stuff wasn't around when I was going through messes. Trust me, I would have been in a worst mess if it was. But pretty similar. I had Sally Mae private student loans, which is you have it.

Yeah. And she's a... The biggest. Yeah. And I borrowed from my grandparents for down payment of car. I had a few credit cards that were close to max out. Our situations were very similar. Mine was slightly worse, technically,

because I just had more debt itself. But, man, I got out of it. I turned my life around well before YouTube, you know, well before I made a good amount of money. You can too. You can too. And that's actually just that clicked in my brain. It's like, I will say that I am very hopeful.

Like, I do think that, uh, I don't know, it's just a position of like the idea of who I want to be as an adult. Um, I feel like my finances are currently playing like a big role in like, me not being that person. And I understand like everyone's a work in progress, but I do. But this last year, you haven't really changed anything. Yeah. Or maybe you haven't.

It was worse before. So I'm going to go ahead and say this. Like my breakup was a big part of the self-evaluation. And that happened like two months ago. So. Two months ago. Yeah. I'm not saying here saying like this past year.

She broke up with me, but I kind of understand. Like it was. Yeah. We were both very complacent. But it feels worse. Yeah. Feels worse. Yeah.

I mean, it do, but I do. I do feel like that's also, like, played a big part of, like, my mental in terms of, like, going out and doing things. And, like, now I feel like, it's not, like, formal, but, like, the idea of, like, wanting to go hang out with my friends and, like, wanting to go, like, to parties or, like, wanting to go, just, like, hang out in general. It's like. It's time to hang out in the restaurant and make money and pay off the desk. Yeah. an amazing life. Yeah.

And who knows? Maybe some cute patron will leave you their number. I'm not worried about it. They might leave you their number, though. And then... I feel like I'm okay with being single for a little while. I got a lot of stuff to work on. Yeah.

How long was the relationship? Three years. Almost three years. Oh, yeah. You'll need a... Yeah, I'm okay. $295 in checking account. It's a little scary.

You sell out money like if nobody's... Okay, so... Is that to the X? Yeah. It's a long story. my sister's dog attacked my mom's dog over food. It has nothing to do with me. So my parents aren't financially sound.

I love them. They're great people. When it comes to finances, they're not necessarily the best. Most aren't. No emergency fun. Yeah. No emergency fund. One of the dogs, the dog who got attacked is I was hanging out.

And my ex went to the vet with my mom. And my ex was way better with five. finances than I was. I can't speak for her position, but I know she's more financially savvy than I was. And she went with my mom to the vet, and I was current, I was at work at the time. And so because there was no emergency fund, the vets told my mom that if she couldn't get the funds together that night, they were going to put him down. So they, oh my gosh.

So my ex paid for it. My mom was taking a really long time to pay her back. And my ex never, like, pushed her for it. Not that I like financing options. I'm just surprised they didn't have a finance. name. My mom didn't get approved for the financing options due to her bad finances. Like it was like stuff that still needed credit approval.

And so essentially like when me and my ex broke up, I told my ex that I wasn't going to like force my mom to pay her back. So I took on the responsibility of the debt. So that was a combination of that. And I had went to New York in the beginning of June. It was for my cousin's suite 16. And that I gave her like like like I. I had still older a little bit.

I thought you're going to say wedding. I would have been like... No, no, no, no. Sweet 16, who gives up? Closest cousin. That's awesome. Maybe don't have death and you can buy our pony someday. Yeah.

But yeah, that's what the Zell is. And then aside from that, all of the Zell transfers, I use Wells Fargo because Capital One doesn't have the best ATM system or kind of like a non-existent ATM system because they're an online bank. So essentially what I do is I get paid in cash nightly. and then I immediately go to the bank and I deposit that money and then Zell it to myself. So that's the only reason why they're so much. I know you're not going to highlight them because they're coming in, not going out,

but that's the only reason why Zell comes up so much. Gotcha. There should only be like a couple of Zells going out. Well, there's quite a few. So that makes sense. And I respect you paying that off. That was the right thing to do. That was the right thing to do.

Not the right thing to do, Tequitos, McDonald's. We have Apple bills up like crazy. then tequitos and apple bills and Amazon and Karnah and a firm. Studio movie GR Castillo tours for $138. Probably can't afford that tour or whatever the fuck that tour is. Some potential tequitos and seafood and movie house. Or studio movie, sorry. I mean, that's $37.

That should go towards Sally Mae. Apple Bill, Apple Bill, Affirm. Kitty Oshah's Irish Pub. SeaWorld. Don't need to be doing SeaWorld when Sally Mae is there. French wine. Tos, Tudu Italia. Zell and out money.

Regal Eagle Bar. Spice Road Bar Lake. Glas Porzella Lake, Buena. Mexico Pavilion. Joy of Titi. Pizza Hut. Affirm. A firm.

Hulu. Zumez. Zal and out money. Hollister. Hollister Express Popeyes. I bet you had closed. Did clothes exist? Did clothes exist?

Clothes existed. Okay. Not nice clothes. Well, I don't give it about that. That's Hollisers. It's not a nice clothes anyway. I'm not going to say that this was a unique month because... Well, you need to look like a little twink 10 years ago?

For one, I'm... This is all for the... The Puerto Rico trip, and it, like, I find a way to spend money. This was just the way to spend money. Yeah, you do. All of this stuff was for the Puerto Rico. Got a super tight shirt, and then you went to Popeye's so that they wouldn't fit. H&M.

Takedos. American Eagle outfit. Zelle. Zell, Asian, chow, some past retail, chick full of the past is, that's tolls. Okay, so it's expensive. Roku, I can't speak for everywhere. If you lived in Austin, I would say you didn't need to take it. No, so I can tell you straight up that the commute to my job would be, it would be twice as long without, like, you're talking about the difference between 30 minutes to an hour and 15 minutes commute if I didn't take the toll road.

normally I would say oh okay but you probably could also just wake up earlier yeah I mean you could I mean I $50 doesn't make a break but it's all this added together and you're spending money and money's just going other places because you're not sacrificing because you're not actually taking care of the debt that is holding you back oh okay so I see the zels now those are all zels in which we were in Puerto Rico and I was zelling somebody my portion of like dinner or something like so it's more you do now okay yeah I'll zelle Asian the past thing chickfilet roku champs because let me guess you did not have shoes uh i didn't have sandals and we went to the beach i went with vans and only vans sandals uh there were crocs really nice this is where i go yeah

exactly is where i go to amazon and get me a ten dollar sandals my friend actually bought 10 like five dollar sandals from walmer right there you go to that a lot burger east uh terrible burgers um mini donas there's more tolls dude that's a hundred bucks now yeah Zellin out. So eating out, Zelling out, Zellin out. Eating out. Eating out. Eating out. Eating out. Eating out. Eating out. Eating out. Eating out. What are you? The amount of the money your spending is itself. Also, I'm just going to go ahead and say this. I never really realized how much I was going out. Yeah, that's how it typically works. That's why I do it. That's why I do it. That's not necessarily the most entertaining part of the episode, but it's very important to do. It's very important to do.

You're going crazy with your spending. Your miscellaneous tequito bullshit spending 20% of you're spending. 20% of your spending. Do you also believe this? Also, uh, bull food going out to eat an additional 23%. So now we're talking 45%. 45% of your spending with the bull.

B0. Minimum 45%. Unknown shopping. We don't know if it's bullf or not. How many discounts does USA auto insurance offer? Too many to say here. Multi vehicle discount. Safe driver discount. Uh, new vehicle discount. Storage discount.

How many discounts will you stack up? Tap the banner or visit USA. A.com slash auto discounts. Restrictions apply. Walmart, it's Amazon. You don't know. It's probably bullshit the way you do. I'm going to go ahead and chalk it up.

Go ahead. Yeah, no, because. So now 55%. 55% total. Lovely. Yeah, we could call it. Other large purchases, let's see. Oh, they're Zeld out.

And we know the Zell out. Other than the thing you should have done, which is great. All the Zell out, we're eating out to eat. So I'll say the majority of that was paying back mom, paying back an ex-girlfriend for mom. I'm going to round it off to 60 then. 60% went to

bullshit. Bullshit. 60%. How much went to debt? 11% 60% to 11% to debt. 11% to debt.

That's choices, man. That's you saying you're now in me existing, getting that little reward, the dopamine. meeting hits is much more important in this exact moment than taking a temporary sacrifice, as you even said at the beginning, for decades, decades and decades of your life you have left that could be so much better.

It's you choosing that. You're choosing that right now, man. You have control. You can live a better life. It just comes down to your discipline. And of the money that came in, you're lucky. You're lucky. Another reason you can afford things.

You got your tax refund of a thousand. 400 yeah someone doesn't claim his money no no no that's not why it was because i didn't get a stimulus check so that's no but that number would not be that if you're um no my stimulus brought in $1,200 it would probably would have been a no no yeah i got what you're saying i would have paid way more in taxes because i would have been claiming my cash should the refund may have been the same because it would have been taken uh well well it depends i would have been paid out less yes exactly i i understand that but i wouldn't have had to like pay back taxes

These are very important rules. If you want to live a good life and you just don't want to be a f***, these are the good rules. You need an emergency fund. Rule number two, you're breaking that. Does that fit in the budget? No, 60% was bullshit. It doesn't.

So breaking number one. And number two, you don't hold a credit card balance. Breaking number three. I actually brought my credit cards to cut out. To chop? Good. Do you have a car? I do.

You have a car alone. Good. Good. You're not breaking rule number four. I will say, though. Live someplace you can actually afford. You're living with family. You're doing good with that.

Stop around with work. Rule number six. You are fucking around with work. Rule number six. This is a very important rule for him. That's why we have this rule book. You can get in the description below. You're fucking around with work, dude.

We're working two hours a week. Two hours a week at a job that is not making you as much as you could make because you just keep bailing on everything you try to do and you just don't focus up on what you want to do. You take these different programs. You sign up for everything. You're fucking with work. So speak on like the work position.

Speak on. I, the reason why my work predicament is what it is, is because I make a decent amount of money. Like, I'm bringing in $3,000 a month on three days a week of work. I get scheduled two days, but I try to pick up anywhere from two to three extra shifts. And if you can't, you get another job as well. But we just recently went through slow season. So, like, I pulled in almost. How was that slow season?

Winter's not slow season? No, we're coming out of slow season. So, like. So summer's slow season? No, September. Like when kids, August, late August to like mid-October is the slow season for restaurants everywhere, not just where I work. Yeah, yeah, yeah. Because parents are going back or parents are like less likely to spend money.

Sorry, just interrupts in the context is because I know where you work. We're not going to say it. But, I mean, that's why I was so confused. But it's like the restaurant industry. I mean, that specific. It's a special place. Yes. But it does have down times.

I still make decent money for restaurants. because of where I work, but the restaurant industry as a whole slows down drastically from like mid-August to mid-October. How is that place in the winter, though? Is it going to pick up? It's brand new, so it should because it's very, it's very unique in what it is. Rule number seven. School can be cool.

This is just, you've got to do it right, man. And you've not been doing it right. You've been signing up for every program. You're the first one to break rule number seven since we've created this. It's really. Yeah, because you're just doing everything and everything. You're taking every certification. You're doing everything.

You're borrowing. It's only May all this fucking around. It can be cool. You're doing it wrong. So you're breaking what? Five, six rules out of the how to not be a list? Yeah, retirement. Cancel your subscriptions.

I didn't see a ton of them, but that's rule number 10. I do have a couple. Well, not anymore. Heard. All this is debt. See this? No more. Oh, that's it.

not work. No more. None of that spending. We could have just pretended it did, but. Yeah. Okay. Okay. I get the symbolism. We can make the budget. We can do all this and I want to. It doesn't matter if you don't stop around. If you actually take control, are you going to, even though you've been watching this content for a year and that's what last month looked like, are you going to actually, for the first time in your life, actually give a shit and actually take control and not end up towards the list? Yeah. A hundred. I can say that with 100% confidence. And I also like to preface, like the whole me watching the show thing.

I've been watching the show for a long time. And the me watching the show was not the thing that like made me say, oh yeah, let me fix my situation. It was the more recent stuff. The breakup? Yeah, in general. I was knowledgeable about my predicament being bad. I wasn't not necessarily driven, but focused on it.

I do feel like I said earlier, like there's a certain. interpretation of who I want to be as a person. Tell me. So I want to be reliable. Like, I want to be someone that, like, can be counted on. I want to be somebody who, um, not only looks like they have their together, but like, has their shit together. Like, I don't want to be a typical person that's like, like, for instance, I love them.

Great people. Again, like my parents. Like, they're not the most financially sound. Um, and I want to be somebody that people can come to for advice or like information or, like, lead as an example to say, all right, this is what, like what I should be doing, essentially. Well, do you want to say, I mean, you made a step towards that paying back your girlfriend who helped make sure that that dog wasn't put down that night. That was a big step.

That's a responsible. It shows you're responsible. It shows that, you know, you have the maturity inside of you. So we just need to harness that energy. Yeah. I will say, like, I think it's definitely been like a discipline thing, a combination of things. Like, I know it's a lack of discipline. It's a lack of, like, a big thing is like formal.

Like I hate missing out on stuff and then like going to work. And then like I said, I work two days a week. A lot happens within this. You know, it's a big fomo though. I'll tell you this. Edging towards 60, everyone else is retiring around you and you're dying at Walmart and dying on the floor. That'll be a pretty big fomo. Everyone else has to go on their retirement vacations.

Driving topless corvettes. Sure. And, you know, maybe the people that are driving with is topless too. Maybe it's just an amazing day. Maybe retirement's fantastic. Can't wait. But I actually say that too. I mean, I know my retirement's not looking too hot, but...

Well, actually, I didn't have a statement for it. What's in return? There's no retirement, but I'm saying, like... Yeah, that's not too hot. Yeah. Yeah. Okay. If you're going to use a card, man, use the FIS card.

I even actually say that for you because the benefits are geared towards college students. I just like them and I like partnering with them because I know everyone on the show. You want to use credit cards. You want to build a credit. So at least take advantage of that. I'm going to be 100% honest with you. I'm probably not even going to do that. Just because I feel like...

Hey, you do you. Like, I feel like my credit is. isn't going to help me with anything particularly right now. Eventually. Right now, but that's what I'm saying. Right now. Right now I feel like I'm more worried about the debt as opposed to me fixing my credit. Oh, is this going to capture your rent, but you don't have rent?

Do you give your family anything? Yeah. And then you don't add anything to utilities or anything. No, it's just flat $200. Good. That's going to save you. Yeah. It's going to save you.

My goodness. How does the grocery and food situation and preparing meals work at the home? My mother cooks dinner, and I do have the option to eat it, but, Typically, I've been trying to, like, lose weight and, like, get into shape. So I've been, like, cooking for myself. They're unhealthy meals? A lot of fried stuff because I'm Puerto Rican and Puerto Ricans eat a lot of fried food. Okay.

Balancing the health, balancing it with the food. Okay. So can we say $200 a month on groceries where that gives you the food options to cook when something is unhealthy and then eat what is prepared and healthy when she makes that? Also, portion control helps as well, but I know it's not as easy as that. I've kind of like been meal prepping in a way. So like... Okay, 300.

I'll give you the traditional 300. That we have proven works for a single individual. Yeah. And then I'll go ahead and promise that if there's any excess balance, I'll put it towards my debt. Damn right. Toil paper, anything to keep you alive, you're getting you 50.

I do buy all of my toiletries. This is everything you need for survival. I'm giving you 50, though. Okay. I'll give you 75. Okay. Gas. That's steep.

Honestly, it's not that bad. Gas was really expensive in Florida at some point in time, but now it's starting to go back down. I'll go ahead and say, say I do like $40 a week. Oh, yeah. So like $160? What's that?

I mean, it'd be one, Tony, but... Oh, yeah, yeah, yeah. Sorry. No, it's okay. No, how? $40 a week? There's four weeks. weeks in a month it'd be 160.

I'm the dumb one. Public math is hard. On the spot, you're right. You're right. Okay, so 160 for that. Car insurance. 220. I don't know if it's 220 or 228.

I just recently switched on insurance. I was with... 100 for tolls. Yeah, that's perfect. We'll see if that fits in. I know that it's probably would still be like I don't know you're going to have to do the math yeah I've been told well the thing is that I've been told math wise it makes more sense to like take the toll maybe but I've never I've never fact checked myself so I probably should

prices are I mean you're also putting mileage on your car maintenance I mean you never know um okay and phone bill one I want to say 150 you pay for right yeah yeah how's health insurance right now non-existent. Are your parents on health insurance? I couldn't tell you. Well, this would have been your last year to be on there. Yeah,

no, no, I was on my dad's insurance. I might honestly still be. I don't know if it gets cut soft at 25 or if it's like, 26 if I'm not mistaken. No, it's definitely 25.

Yeah, I actually had a predicament in which I didn't have to go to the doctor, but I chose to go to the doctor because I was in my last year of insurance and they told me it was 25. I just don't know if it's like cut off at the year of 25 or like right before the year of 25, because I was still 24.

Oh, okay. Yeah. I do have like some basic care through my job. So like I do get free therapy. Good. But in terms of like getting a physical and like all of that stuff. Well, are you on any medication? No.

Okay. Okay. Okay. So I don't need to put anything in for medical? No. Mm-mm. I'd like to think knock on with that. I'm pretty healthy.

Sure. No, no. No, no. No. I do have some subscriptions. No, no. Not in your budget. No, no.

No, no. I'm saying like, Currently I do have, yeah, they'll be canceled. I'm just, I'm checking that. I'm probably just, I'm probably just brain. No, it is 26. It's when you turn 26. That's when you fall off.

In the state of Florida? No, nationwide. It's national law when they passed the ACA. I guess I probably do still have insurance for another half a year. Okay. Even still, man, I'd recommend it. It's going to be hard. You know, you might be on the exchanges.

My ex is doing public insurance And she makes a similar wage To what I do And she gets you to make more money And figure out a career path That's what I want Let's get you to the place that offers a better So I was gonna ask you

Because I did have full intentions To go through this EKG course And I did want to get like You already paid for you better No I'm gonna complete it But in terms of like getting a job The starting pay is like $15 an hour And then like the max pays like 18

How many hours though? Don't you get to? Can you work like 80 hours a week? I'm hoping it to be a full-time job Um, currently, like, so for instance, me going through the slow season, I've only really been able to work two to three shifts a week, which has put me at a little bit below 3,000. But when it's busy, I'm at an opportunity to make an exped, like a crazy amount more. So, like, for instance, I was making $4,000 a month doing, like, in the summers. and that was me working three to four instead of two to three.

Coming into the winter, I should be able to work four to five. I mean, just do whatever makes mathematical sense, but also think of the career path that you'll want to go on. Medical, you can typically work a shot. Yeah, but okay, so for preference, my friend makes a similar wage to what I'd be making in the UKG course, and I make more than what he makes currently working at the hospital. Okay, there you go.

If that's not in the career path, you want to go down, then, I mean, it's really hard. trust me I want to work I it's really hard to get full time where I work no that's fine so we get a second a second job yeah okay anything else in your budget then I'm missing we have right rent food uh toll the trees and gas tolls car insurance phone at the top of my head well I got to get your debt minute monthly payments obviously I'm gonna put the hundred in because that's gonna start in a second In a couple months.

Yeah, so we may as well put that in. For simplicity sake, a couple months goes back quick. Yeah, no surprise. Your biggest holder of your budget is your debt at $774 a month, which is wild. So, you should have an extra $1,000 left over, man. It should be a bit more than that. What do you have my budget at? 1,987.

No, that's not right. I make Let's see 774 Oh well Whoa whoa You said How much do you have me making

A month? 3,000 Okay cool Yeah So we're right You made me delete that I'm sorry Before I could write it down

I'm sorry So my minimum Debt payments are almost $800 Almost So you need in order to survive 1,800 1,900 You'll live with your family

So I'm gonna take a more risky Avenue. Instead of doing the one month emergency fund like we normally do, you live with family. You have a backdrop. If you need to eat, you can eat their food. They're not going to let you die on the street. I have a, you know. They're very accommodating. Oh, grandpa. I forgot about grandpa. How much is grandpa?

$1,500. Are there like minimum payments or is it just pay back? Like I said, I wouldn't be surprised if he's totally forgot about it. You haven't? No, never could have. According to the survey I ran, 33% of you are not investing.

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Okay, so with that then, we're immediately going to start throwing this $1,000. We're just going to say $1,000 for the sake of ease. On to the debts, starting now. First month, the end of this month, actually, since you'll have like $750 bucks left, you're killing Discover and you're killing Best Buy. It's a question. It's not like me fighting you on it because I'll do that. I was going to wait to pay the affirms last.

Why? Why? Because... They're the highest interest and the lowest balance. So you may as well kill them. Because I looked at how much I saved. It's literally like a couple of dollars. Yeah, I don't care, though.

It goes with the avalanche and snowball method at the same time. So you may as well kill it. It was just a thing in my head of like... Not even about that. You're right. Okay, you're right. Because you're only... It's only getting a couple of dollars of interest, right?

Because... Well, no. It's... Okay. I'm sorry. Marr! All right. And you're killing the Amazon.

The reason you're doing them is because we're freeing up minimum of monthly payments right now. You free up the minimum monthly payments. You're able to start throwing that into the other debts. Okay. What were you going to say? No, what I said is just, so like I think I saved like seven bucks if I pay off the Amazon or firm, and then I think I save like 30 bucks if I pay off the, and that's without

the payments that I've just made. We're freeing up minimum monthly payment and we're taking care of 35% death and sanity interest, right? Okay. Amazon Best Buy discovery paid off by the end of this month, this month, this month, paid off, not a question. So affirm and discovery. Yep.

Okay. Cool. Next month. Walmart, Capital One, dead. And $500. Uh, wait. Uh, no, we're going to save Grandpa to the end. $500 will be thrown towards.

Uh, should. Wouldn't it be the saver one? Maybe. Medical school is next and snowball, but that doesn't necessarily. Makes sense. It doesn't have any interest. I know.

When does interest accrue on it? It never does. So it's $100 forever. No interest. Okay. Minimuthi payment until that's paid off. So we put that towards Sally May next then.

Sally May $500 is put towards it. And that's the end of month number two. We're making progress. Quick, man. Quick because you're actually taking control of your life for the first time in your mother's life. So this is great. This is incredible.

This is awesome for the first time ever. Cool. $2,000 left. Oh, sorry. I read Sally Mae's $2,000, not $27,000. Never mind. Okay, yep, you threw the 500 towards the Savior. So month number three, then.

Month number three, we should be paying off the Savior card. Just about a little hangover into month number four. Little, a couple bucks. Cool. Month number four, because the Sally Mae's insane. I'd love to pay off Grandpa, because Sally Mae's insane. I had full intentions to pay him off, like, because. This is going to make this sound really bad.

Well, no, it's something in which and why I would want to pay off to Sally May before my grandfather as well. He actually co-signed for me on that loan. So the debt is also in his name just as much as it is it at just as much as it is in mind. Absolutely. Yeah, absolutely. Good call. $25,000 left at that time probably will see. I don't know.

Okay. So throwing. Um. Do you know what I did wrong? No. I'm assuming something that's gonna... Now, the situation's been going way too fast because for some reason I was throwing

what your monthly budget is towards it. Oh, not the thousand. Okay. So, well, but that's okay because we can easily map back. So say it takes twice as long. So it's taking twice as long. So we're headed into month number six now. Well, because we were headed into month number three,

so it took two months. No, four months. So we're... Yeah, eight. Because you had hangover from month number. number three into month number four for my Sabre one card. Oh, okay, I'll be quick map.

One second. No, see, that's what I thought. Four and a half months from now. So I'm calling that a total of this being one month. This is going to be the half month. So four months from now. So we're going to be starting, let's call this month one. It's going to take five months.

We're starting month number six now. Okay. Month number six now. On number six, we've taken care of capital one discover, savior, best buy, Amazon. Okay. So, you'll have a little extra money left over, not too much. I mean, we have an extra couple hundred bucks.

We can start throwing towards things, $25,000. Bide that by, let's call it $1,200 now. 21 months. And that's where the don't f-round with your work, how to not be a rule, applies here. You need to make more money. We're getting a second job if you can't get enough. hours you're doubling your income it's really not a choice i want this to be paid off in a year once

you start it not two years okay so that's what i need you to do if not now we're we're uh two years and almost a quarter into this process and we can finally pay grandpa off yeah unacceptable i need you to get year and a half year and a half you're through all the credit cards and the affirms and sally may year and a half sacrificing everything living with your family not spending any money on fun. You can go have fun. It's free. Swim in the ocean.

You're pretty close to it. Actually, no, I'm not. You're pretty close compared to most people. Well, Orlando Central Florida. I know, but what is it like three hours? Less, actually. There you go. You're close to an ocean.

Dude, I'm from the Midwest. You're close to the ocean. Oh my gosh. You're close to the ocean. It would have taken me 12 hours to get to the ocean where I'm from three hours now. But no one likes going to Fing Alaston, not to swim.

I can't tell you what Gavleston is. Nasty. Never heard of it. Nasty water. Okay. That's what I want you to do is a year and a half I want you to do it. Or you can send this to two and a half years. That doesn't make sense, though.

I would like to get it obviously done sooner rather than later. So I agree with you on that front. I do want to wait until after the winter to get a second job just because I know that this is a big opportunity for me to make a lot. lot of money at work? No, I don't think you heard what I said. If you can't get the money at your job, if you can't get the hours of your job, you get the second job, work as much as you can do that job. You're picking up extra if you're not getting it.

Okay. You're working. Well, how many hours a week are you going to work? Oh, five shifts. So anywhere. Okay. So go pick up two shifts somewhere else. Okay.

You don't need to have a life right now, man. Okay. You really don't. You just broke up. You're taking a break anyway. So if you're hooking up with people, that's going to take like two hours of your time. Cool. Great.

So like just work. Work. You may as well for your future. Yeah. It's worth it, man. I promise. Again, I was in worse death than this. I was in worth death than this.

I sacrificed hard. Life well before I started YouTube. Fantastic. Incredible. Yeah. Because I actually sacrificed and did what was necessary. Do that now. Yeah.

And then pay your grandpa off. I would minimum monthly payment, the little med thing you took it out until it's paid off. After that, you need to get a fully funded emergency fund or whatever your apartment. Because you can move out at that time. We need to start thinking about careers too. Gosh. Oh, we could talk for another hour just on that. I've done a lot of like career aptitude tests and like I've done like.

I know, but then you just randomly go sign up for other bull. I think, yeah, that's 100% correct. I don't disagree with that. I just feel like I can't really see my. myself not see myself doing anything because I know what I like to do like I do like talking to people communicating I do like um like presenting myself in a professional manner in a social setting okay the problem is that I can't see myself doing anything to where it's like if you like talking to people why do you think you're going to be bad in sales I went through the whole um not the whole

course careers things but like halfway through I kind of realized that there was a lot of aspects about the job that I'm not like like to come up. What about sales in general outside of tech? Was it the tech component? No, it wasn't the tech component. It was the sales component. Like, I don't like the idea of having to, like, pester people and, like, go back, like, three, four or five times to then hopefully get the sales is. Yeah.

I'm not afraid of, like, hard work. It's just the, I don't want to inconvenience anybody by, like, being like, hey, I know I've talked to you four times, but here I am another week away talking to you a fifth time. You know what I mean? Like, that's not something in which I feel comfortable doing it. But I will say this. And this is a light. but I mean sometimes I mean yeah you're right you could get a job and you know you're selling and that sucks but you could get a job where you're actually selling something that is like

helpful and good yeah and if you're pestering and you actually make a sale in that that could be something that's actually beneficial to that person so it doesn't all equal bad yeah you're right there are something that are I just feel like that component is there whether it's a good part well product or not like the way I see it is like so if I have something that benefits to your life. And I do genuinely feel like it'd make your company a better company or I do feel like it'd be positive addition to your life. If you don't want it for yourself, I don't want to feel like I'm like. What about customer support? I could do that. Like work, work in customer, uh, maybe a certification customer service. Mm-hmm. You know, like you don't need that to get an

entry level customer service job. But what I would want you to get on is not a temporary customer service job is to get into the door in customer service and start making your way up. Yeah. Customer service managers start looking at something like that if you're a people person if you like working in the professional setting if you like all that it screams that if you like helping people it screams that yeah customer service isn't the you know

call center tech job for seven bucks an hour yeah that's not what I'm talking about so I'm talking maybe maybe look for a certification for that not that I want you to go get your millionth but that might be worth something considering yeah I'm gonna yeah

yeah think long and hard about that. What I need you to do, and you can do that while you're doing this, but what I need you to do now is take care of this debt for the first time of your life, get a six-month emergency fund, then you have nothing in retirement in 25. That's terrifying. You need to start contributing 20% to retirement after you get a fully-footed emergency fund, and all bad debts are paid off. Yeah. Do that so you have a chance for future. I will say the company I work for is opening some newer restaurants. So this new restaurant that I just like was a part of the opening team for.

I was hoping to get full time out of it and it just didn't work out that way. So there's going to be another opportunity for me to get a full-time position. I'm actually like I'm trying to like study wines and stuff like that. All right. Well, we just found another. Well, no, no, no. It's not. I'm already in the profession of serving.

I know. I could see myself being a full-time server. You can see yourself doing it. There's an option, but you took all those other things because there's an option. What do you want to do? I don't know. I couldn't tell you. Okay.

It's been my lifelong question since I've graduated high school. Well, you've discovered through career quizzes that maybe HR and stuff like that, but you just don't want to do the college necessary. Yeah, that's exactly it. You've accumulated a lot of credit hours over the years, have you not? There's like a good two or three semesters where I just gave up halfway through. So I'm like right at my AA in general studies. So I would then need a transfer to a bachelor's degree and then do whatever pre-recks are required there

Which I mean for communications probably wouldn't be anything crazy All right man That's something you're gonna have to you know Take your own path on you need to think long and hard don't just jump at something though Yeah any opportunity especially when it costs money don't just jump at something Just because it's an option no more of that I thought I learned that lesson with the whole UCF Cybersecurity thing and then like the medical opportunity presented itself

and I was like, boom, that's what my identity is going to be for the next few months. And I'm ahead in the course, but it's just a matter of whether or not I want to pursue it as a career. Because I want you to get in the career path so you can start investing as well because, I mean, that's the scary part. Because right now you have nothing and you're losing the best decade of, you know, compound growth. And like, it's not complicated either. Man, you take your 401K, you do like a Roth IRA. And once you've maxed out all that stuff out, if you don't even want to think about it, you can just like throw money at Vora, you know, I've started putting money in there and

I get a 1% match after a couple years of vesting. It's good stuff, man. Yeah. It's good stuff and I need you to take advantage of that, but there's so many steps we have to do first. So focus on the now. Yeah. Focus on the now. Then I'll get out of debt.

Get a fully front on an emergency fund. Yeah. Sounds like a plan. Any questions? Any final thoughts? No, no questions. I guess I just want to say thank you for the opportunity. It's been a first of many for me to come here.

Like, it's the first time traveling by myself with no other, like, partners or siblings or anything like that. So that was like a new experience. This is the first time I've ever, like, exposed to, like, a camera or film. So it's also a pretty cool experience. And I do genuinely want to fix my predicament. So that's probably, like, the biggest thank you. For spending in a budget, I mean, come on, 60% going to both when barely anyone was going towards debt. That's a zero out of 10, hard, straight.

right there. Debt, as bad as you can get without collections or IRS debt, so one out of ten. Emergency fund, there's nothing zero out of ten. Terms savings, there's nothing. Zero out of ten. Real estate, there's nothing. Zero out of ten. So that's going to be a hammer financial score, zero out of ten. Make sure to check out all the resources linked in the description below, like the budgeting course and other resources that I personally use or would use in specific situations. Thanks to all of our Patreon producers for making this episode possible. If you want to participate in an episode of financial audit and you're able to make it to Austin, Texas,

please fill out an application on the survey linked in the description below. You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at calebhammer.com.