Financial Audit - Homewrecker Ruins EVERYTHING To Steal Married Old Men | Financial Audit

Episode Date: January 27, 2025

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Terms apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. A six-month pregnant girlfriend? You're saying he's with the mother of his child still. You are actively trying to sleep with him. I was he cheating on, though. Is it May or isn't her? Financial audit.

What is the fuff? It's happening right. The dude has a fucking family. I know it sounds like I'm the trash. How old is what a sound? He's 40 years old. Download my new simpler budget app today and take control of your money once and for all. I'm Haley.

I'm 27 years old from Florence, Alabama. And this is my friend of us. For Orange, Alabama. Yeah, you certainly are. Thanks for coming down to Austin. What do you do for a living? in in Florida, Alabama. Okay, I don't think it's that thick, first of all.

But I am a manager at a major retailer. Cool. What kind of level of manager? Because, you know, that can range widely. Right. So, like, at this company, it goes, like, district manager, store manager, and then me. So there's, like, two levels between me and the store manager. Which one are you?

I'm the assistant manager. Oh, assistant manager. So, like, right under the store manager. Okay. How much you making? So I make 65 a year. I'm salary. Thousand?

Not bad for, I don't know, Florence specifically, but Alabama's not one of the more expensive states to live in. No, it's pretty good. Like, the cost of living is really low, and then, like, the housing is low, so not bad. Okay, so how is life in Florence with this job? How are we doing? So, I mean, I feel like I'm doing okay,

but then, like, somehow I'm still in debt, so I don't know. What do you think is causing that? If we're doing okay. I think mainly it's, like, the bail. and then sometimes I do like spend a little bit of extra, you know, I have to go to like T.J. Max and stuff like that. What do you mean have to go to T.J.? What does have to go to T.J. Max?

It's a necessity. It's like I have to. It's a necessity. What part of it is a necessity? Well, I go there and like I have to get all my skincare stuff from there. From T.J. Max? Have you ever been to T.J. Max? Do you not T. T.J. I don't know. They have every name. I don't know if I've been to a T. And like anything you would ever need. Like they have like all my eyes serum.

that I need, which obviously, because I'm getting a little bit. My wrinkles are. You're 27. Yeah. Your retinal? Okay. Yes. I have to get the retinal.

Yes, of course. Of course. Of course. Okay. That's your half to go to T.J. Max. Okay. What are you spending on that a monthly basis? That's why you're in debt is because of T.J. Max for your skin care?

Well, no. I mean, I wouldn't say, like, in debt. But I think that's, like, a necessity. And then there's, like, stuff that comes up, you know, throughout the weeks. and months and like I have to get. What hits your account on a monthly basis? I think it's 1830. Monthly.

1830? Monthly. Oh, 3,600. Do you know what monthly means? Just want to confirm we're on the same. Well, I think weekly. Maybe it's every paycheck. You're paid weekly?

No, I'm paid bi-weekly. What are you talking about? What are you talking about weekly? It's bi-weekly, I think it's. 3,700 came in for payroll. Okay. Okay? Yeah.

Does that sound about right? That actually sounds a little bit higher than. But yeah, that's, it's a salary. So there's no. There's no overtime or like extra or anything. How many hours a week are you working? So it's base 50, but then like if you have to work. 50.

Yeah, you have to work. Base. Okay. And that's, okay. Okay. So what is it? Nine to like, what does that look like? So normally my schedule is like a seven to five or like a 10 to eight, 12 to 10, that kind of thing.

Oh, so it's not consistent. Now it changes. How many assistant managers are there? There's six total? Okay. I don't want to. Okay. Come on.

One, I'm offended. Two, that also wasn't the actual request. My gosh, okay. I don't know if you were asking or suggesting. Well, there's probably incest happening there, so I don't want to get a taste of that anyway. 3,700. So that's what happens on a monthly basis? Yeah.

All right. Cool. So you're in debt because of T.J. Max, apparently, because you have to go to T.J. Max. So how much did you spend last month if that's the paycheck that hits? And apparently a little high on your end. But okay, sure. So what would you spend? What did you spend last month? I'm going to say, I don't think I went over my paycheck because I very rarely do. Okay. I think I've stayed pretty much underneath. So I'm going to say, like, I think for sure, $3,000. $5,000, $26.000. What the fuck are you talking about? There's no way. That is what was spent. Also known as some credit cards. Well, now, I'm pretty sure that expense came from, like, the vacation that I had to take. What, that doesn't count?

Vacation's money that does. No, what are you talking about? Do you think that does not count towards your spending? Because it's a vacation. Well, no, what I'm saying is, like, that's not a normal. I don't care if it's normal. That's what you did. I don't care if it's normal.

That's what you do. It's not a normal moment, though. That's like. But that doesn't. Do you realize? that does not matter. That was just for the vacation that we were, that I was going to take. I get it. But do you not realize that that doesn't matter whether or not it's a normal month? It literally did happen. Yeah. But I was saving, I was actually saving up for this

vacation. So like I was taking a little bit out of my paychecks like every month. How much was, what did you do? Where did you go? I went to Orange Beach, which I've never been. Orange Beach, what? Like Orange Beach, Alabama. So you stayed in Alabama? Yeah. Well, I I was originally going to go to Florida and we were going to go to Universal for Halloween Horns Makes a lot more sense. So cool. Like love it. What?

But Halloween Horton Nines. Yeah? What were you and your friends? Me and my brother and his wife. We were going to go. You and your brother? Yeah. Okay.

Future husband? Already, actually. No, no. I'm just kidding. No, no. Not really. But he was actually going to pay for like the tickets and everything for me. It was like, you know, his trait, basically.

Because he knew, like, I was having a hard time and we had already planned. this out. But that's just the tickets. You would have still spent money going there. No, he was going to pay for everything. Everything. Then why would you need to save up money for the trip? He was paying for the rental car. He was going to pay for like the place we stayed at. And he was actually going to pay for my ticket. Why would you need to save up money then? Well, I was going to save up money for like food. Like I said, you have to spend while you're there. Yeah. So he wasn't covering that. It wasn't expensive. But I was saying not for it. Like I was skipping like a frat by here and there and like a red bull here and there. I was skipping. That saving is cutting back on like the bull

kind of expenses. So it's not even like, like, money that would have gone towards the debt anyway it's money that would have gone towards spending for both. Well, I do have a little bit of extra left over at the end of the month. Like, I have like $200 left over. What the fuck are you talking about? You spent $5,000. You brought in $3,700.

You don't know what you're talking about. No, there is not money left over. Why would your debt be going up? Why would you have debt if you have a little left over? Well, when I make like my budget for the month, there's... Then why do you have debt? There's normally like $20. Why do you have debt?

I don't know. Why? You make a budget so you should know. I think like the debt accumulated over time. How? So I had like a little mid-20s breakdown. Like a little mental. It is mid-20.

It's not even mid-20. Oh, your age, mid-20. Yes, yes, yes, yes. Okay. You're 27. So two years ago? Well, I was like 24, 25, something like that. Okay, what happened to years ago?

So I had like a little mental breakdown, right? There was just like a lot going on personally. What? Well, you know, I started like my salary job and actually what? Okay. Sounds like a positive thing. I started working in salary, right? So promotion, more money, great.

Different store, doing good, right? So good. But I actually, when I moved to the new store, I found out that my boyfriend that I was with was actually with somebody else. and we had been seeing each other for like close to two years. He actually had a girlfriend and she was like six months. He had a six month pregnant girlfriend? Yeah, so I found this out and I mean that was hard. I mean, that's what happens when you live in a place called Florence, Alabama.

Not really. And it just so happened that like the store I transferred to, she, while her family lived there and like they would come in with a baby. And it was so hard. But I was like, okay, you know, I was like, I'm doing it still. I'm good. How did you find out? I actually found out because I was like on like a little project, like a little salary project, my first little thing as like a salary member of management in his hometown. So like we live 45 minutes away.

I live in a town over here and he lives over here. We're like 45 minutes difference. So that's why it was like so easy, I think, for him to hide having a girlfriend. How'd you find out? And the baby. But so the way I found out is because I'm working at the store in his hometown and there's this guy there and we're like talking about because this guy. as a tattoo artist, right? And me and the guy are, like, talking about his tattoos, and he's like, I actually get my

tattoos done by this guy, or I used to. Okay. But then he stole my girlfriend from me, and I was like... Oh, my gosh. No. I have never dated this guy. Like, I thought I was his girlfriend, but obviously not. So that's how I found out that he had a girlfriend that was not me.

Then what happened? You broke up? Yeah, I mean, I... Yeah, of course. Yeah, no, totally fair. You know, I found out he had a girlfriend, and I found out she was six months pregnant. So yeah, like a... That's crazy.

And we saw... So were you the sidepiece? Yeah. That's... For two years you were the sidepiece? Did you tell her? I did. And?

Um, it was like, it was a whole thing. Are they still together? They are. But like... So we actually continued to talk to each other. Oh. No. For how long?

No. Well, that's drawn out, that drawn out process. I mean, that's gonna fuck you in so many different ways. We stopped talking for eight months because I was like, I can't, like this is, I can't do this. Okay. So we stopped talking for like eight months. And then he texts me one day and he's like, you know.

Hey? Yeah, basically. You up? Hey, what up kind of thing. But we started talking again. What's talking? No, no, no, no, no, no. We just started talking.

Like. Even though he was with his lady that had a baby. Yeah. But you knew you were the side piece at that point and you were okay with that? Well, I mean, like two years. What's talking? I was a long tongue, you know, and, like, you become attached to somebody. Of course.

And I was a little bit attached. I was a little bit attached. I just had a kid, though. Well, I mean, obviously he's probably a serial cheater. What? Oh, definitely. Probably. Yeah, most likely.

100% actually, I'm sure. How long did you guys keep talking? Last time I spoke to him was in June. This had that long ago. Wait for how long were you talking? We have been doing this back and forth, like on. You're never going to move on. You're never going to move on.

It's been. Six years. Six fucking years. You're never going to move on how old's this kid now. She is five years old now. What the f. Have you? Okay, let me ask this question.

Sorry. This is a little more like TMZ T-Sip for a second. But listen, I enjoy myself a little steaming glass here and there. So I got to ask this. But then we're going to jump into the money. But, uh, uh, you guys in that time? Such an inappropriate question. I know if I can answer that.

Oh my goodness. Yes. It's a loaded question. That's a, yes. Really? Really? How,

when's like the last time? No, it hasn't, like, I haven't actually, we haven't actually, like, been together,

been together. Come on, when was the last time, you guys? Like December, we were actually together. But you're saying he's with the mother

of his child still. And you're a lot, you are actively trying to sleep with him during those times. No, no, no. No, no, no, no, no, no, no. But you did.

You did. Over the past few years. It was always like, he would call me and he'd be like, we're not together anymore. He would tell me that. Yeah. How many times is he telling you that? The last time he told me they weren't together. And after he cheated on you the first time or cheated on her with you the first time.

Like, he was he cheating on, though. Is it may or is her? Her, I think. I don't know. Because I don't know. But, that's a little like, he told me they weren't together. Yeah, but how many times can you believe that over and over again? especially for someone that cheated on you.

He cheated on you and you're okay? I texted her. I texted her and I was like, hey, just so you know, this is what he's told me. He told me y'all are not together anymore. You've moved out. Like, I just want to make sure we're all on the same page this time. So is it okay if he sticks it in? Because we've done this over and over.

So like I just want to clear everything up. This dude better be fucking hot. Well, I mean, I think he's handsome. He's like, it's like a Joe Dirt. This is usually like a post-show conversation. We will, we, we, we, we, we, we, we, we, we, we, we, we, we, we, we, But like, you know, you gotta love it. Like, you think my accent's sick.

Okay, show me a picture. You want to see a picture of them? Yes, we'll get in the finances in a second. Sorry, guys. Okay, you have to be like, you have to be honest and tell me. Of course. If it's just like... If I do anything, it's...

Do I just have rose-colored glasses on? Huh? Do I have, like, rose-colored glasses on? Well, maybe. I don't know. You're probably... Or is he handsome. There's like five people that live in Florence, right?

I only have one picture of them. Hold this, man. He is, um... He's 40 years old. He turned 40 in November. But you know, when you love somebody and you just love him so much, and you just can't, like, that's how much I loved him. This dude is a great man.

Wait, did you look at the picture good, though? Yeah, I looked at it up pretty well. Well, I don't have another picture of him, but... Nor do I want to see another. He's got, like, the bluest little eyes. I mean, I liked him. No, conventionally attractive to a certain point, sure. he

maybe that wasn't the best picture was he's been 15 since you were 21 and he was 30 34 yeah Twitter's not going to like that one all right it's 2025

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Well, I don't think that's like that big of an age gap, honestly. That's a pretty big gap. Whether or not it's inappropriate is up to the individual. It's a pretty big gap regardless. Huh? We're in Tennessee. Huh? We're in Tennessee.

So it doesn't really matter, I don't think, does it? What does that mean? Well, I think, like, The age of consent there is like 16, which... You're in Alabama. Well, I am now, but originally, Tennessee. Maybe you didn't see a good picture. Hold on.

Because, like, if you could say... This is a fucking financial audit. What the fuck is happening right now? I don't know. This is, that's insane. You are literally... The dude has a fucking family and let you see... Okay, let's talk about it like that, though.

You told me with your own words that he is with her. Yes. I know it sounds bad and it's... sounds like. How old sort of sound? I know it sounds like I'm the trashy one, right? Yes. No, you all sound trashy in this story.

Okay. I know it sounds like I'm the bad one in this. Yes, and him. Not at all. Not at all. Because you pursue him. You continue the conversations. You allow them to happen.

You let him fuck you in December while they've been together. No, but he told me they were not together. Why would you trust the man that cheated on you before? You wanted to believe it. Exactly. You wanted to believe it. Believe it. Yeah.

I got to get into the numbers. That is certainly piping hot, but it's honestly quite kind of disgusting. Well, no. How old is a lady? I don't know, actually. Do you know her? I've met her. How old does she look?

I think she's 30. She's older than me. I think she's 30 years old. But I'm not sure. I don't know. Do you want to tell me if I'm prettier than her? This pork. You want to do a little?

We'll do like a hot or not. Do you want to say? Dude, you're fucking insane. I'll do it. Okay. You have to be honest, too. I never am not. If I'm ugly, then I'm ugly.

Just tell me to try it. Is that him? That's him and her. But like that's a very edited. You're literally dating like a dude that looks like. Tell me. Is it edited? So edited, right?

I would, I would, I would, I would pick you if I had to pick. Oh, thank you. Well, this is because she looks beyond caked. Like, what is she hiding? Right? Like, so much makeup. Like, I have makeup on, obviously. But like, yes.

Honestly, the TJ Max is, I feel like doing me good, right? With all the retinol and the eye serum. You look normal. Oh. What are we doing? What are we talking? You spent 5,000. 3,700 comes in.

You're f***ing married men who are 15 years older than you. He's not married. He has a kid with her. That poor kid. We have to make this like very clear. That poor kid. Dude is not married. That poor kid.

What is everyone at the store going to think when they hear this? You're choosing to say this on a public platform. Oh, goodness. I didn't think about that. Like, how'd you not? As in, we literally have videos saying,

oh, everyone around you will, you know, we'll see you in these videos. Please consider before you come on, like a million, jillion times. I didn't think about that.

Why? How? We literally, are you dumb? It sounds really bad, but it's, it's not like what it sounds like. How was it not?

Well, man with baby sticks, penal in you, the non-person he's with. Very, very explicit. It wasn't like that at all. But that is what happened. Not really. Not 100%.

How do I take this to finances? I don't know how we got here. What are you here for, lady? Well, I think, like, I just need help figuring out where my money goes. Because to me, it doesn't seem like I have enough to get anywhere with, like, my minimum monthly payments and stuff like that. and I don't know where I'm like missing the mark here. So I'm thinking about just to like get my finances back on track.

I currently have like a loan out on my 401K. Oh. And. For why? When did you do that? I did it when I purchased my house. You own your house? I do.

Wait, I don't see a mortgage in here. Yeah, there should be a mortgage. Yeah. So I bought a house back in 2022. 401K loan to buy a house. buy a house? Well, no, it wasn't always, like, it wasn't just to buy the house. It was for, like, a little bit of the down payment. But don't payment. You borrow your down payments from your own retirement. I don't think you understand how that fucking worked. Well, I feel like it's just paying,

I thought it would be better than getting like an actual loan. I'm paying myself. An actual loan. Like, yeah, but with interest. A personal loan. Yeah, but with interest. But the interest goes back to you, right? What do you mean? You think you're earning money on it? No, I don't think I'm earning money. I think that it's just like, it like, it's, they take, like. What is the school system like in Alabama? What do you mean? What do you think is actually happening? Please.

Please. So I don't, like, I'm paying myself back basically, but it's not like accruing any kind of. Interest? Yeah. Yes, it is. But that interest goes back to me, right? What the fuck do you mean by that? How do you think you, you, you, you, you, you, you, you, you, you, you, you, you, you, you, you, you, you, you, you, how does that.

And what world does a loan make money for you? What are you talking about? No, I'm not saying that it makes money for me. What I'm saying is like... How do you say it goes back to you? I'm so confused. So like you take out the 401k loan, right? And it stops accruing any like extra money from that.

But you... Like you got me confused, okay? You have me confused. You got me confused. Listen, okay, so... I just want you to tell me what you think is happening. It's not like, it's not like a... It's not like an actual loan, right?

Why wouldn't it be? What do you mean? I'm paying myself back, basically, right? Yeah, paying myself back. 100%. I don't know how it works. Paying yourself back, but what do you mean by that? Like, yes, all of a sudden you have the money is kind of like, if you want to think about it as yours again, you can kind of think about it like that.

But the interest on it, it's not, that's them making money off of the loan, not you. I don't know. The way that I understood it was like. Okay. What were you talking about? What were you talking about? So I'm thinking about taking another one out Why?

How much and for fucking what? Are you getting another other house? No, no, no, no. Wait, you still owe on that other 401k loan? I do. I owe $8,000. Will they allow you to take a second one on? No.

Then what the fuck are you even talking about? So you have to pay off the current one to take out another? What do you owe on the other one? I owe $8,000 right now. You don't have $8,000? Well, I get like a small bonus at the end of the year, and it varies based on, like, store sales, right? So we're going to use a small bonus to pay off a loan so that you can borrow a larger loan?

Yeah. For what? To pay off. So like I have my, I have three, no, I have two credit cards that need to be paid off, right? And then I have my car payment. So this is my idea. And I think it's like I thought this through and I think it's like a really good idea. This is what I really like I would love for you to say it.

It's coming. Hold on. So like what I'm going to do. Do you. He fucking 40-year-old says every day. He's easy. Okay. I'm kind of offended for him.

But anyways. You're being me to him. He's the one who has a child and he's fucking someone who's not. Yeah, he's just. Anyways, anyways. Can I call him in the post show? Dude's not my answer. No, he 100% has my number block.

What? Oh. Really? Why would he not? Why would it have your number block? Because you guys are, you said your. talking in June even and then you a few months before that I did first of all I never said that yeah I didn't use those words oh you sexed him oh I didn't say that either but anyways

that's what you said though no really look you got me all discombobbled I forgot what I was even saying compobbled the dis the dis the discombobbled yes anyways how do you run a store well how do you run employees do they have to depend on you for anything Yeah, no, I'm good at my job. You have me squeezing on this thing because this is insane. This conversation's insane. Oh, that's a you problem. It is, but it's also a you problem.

If we're trying to get some result in the end, it's also a you problem because I can't follow what you're talking about. You haven't even told me what you want to borrow this for. Yes, that's where we were. Okay. So what my plan is is to pay off the 401K loan. So I can take out. If you get that bonus as large as enough for it.

So I can take out another loan and pay off all my credit cards, which is two credit cards, pay off my car loan, and pay off, it seems like those. I think that's it. So I can pay off those three things, right? And then I can take my insurance, which is right now like almost $400. I can take that down to like a minimum. What, whoa, whoa. Awfully feisty over there.

But usually if you have good credit, even, the interest rate on a 401k loan is one to 2% over like the federal loan rate, it would probably be 8 to 9% if you have good credit. What's your credit score? It's like in the 500. What the fuck are you going to do? You're going to get it like a lot of 15% loan on your 401K? Wait, the one that you currently have. Obviously the most likely in what typically happens is the money that's hitting your account

is post you making a payment on it because it probably takes before you see your money. Yeah, it takes out. What is the interest rate on your current 401K loan? And you said it's 9,000? You said it's 9,000 401K. Okay. Go ahead. Okay.

So, I'm going to pay off all of my loans. And then I'm going to take my- No, I said, what's the interest rate on it? I think it's 11%. What are you doing for why? But I'm not 100% sure. That actually doesn't sound right. And it was part of a down payment.

That doesn't sound right. My me is 8%. I don't remember. 8% you're keeping up with just the average stock market return from beginning to end of forever yeah that's the average for a down payment that's stupid you could have got like a day but but but but listen no no no i've got 50 000 in my 401k i'm 27 i was the person talking i'm gonna talk i feel like i'm doing pretty good i was the person talking i'm just saying i feel like 50,000 for 27 years old, right?

You're relatively untracked you. Am I on track or? Shut the fuck. I'm going to finish your thought. Shut the fuck up. You're going to be close to that 65,000 that we'd want you to be at 30. That part is good. However, you don't own any of it.

You're going to borrow half of it. And you're going to be paying interest. All the return that you're going to be getting is going to be eaten up with that. Because, again, if I, if I open my brokerage right now, Mumu, and I open my moo-mooh out great, and I buy some S&P 500, that's averaging like a 10 10%. And if you're at 11%, 11% or the 8% of the average stock market gain up down all yours combined, you're not beating it. You're losing what you are supposed to be doing, which is taking advantage of time in the marketplace right now. Time. That is your best wealth

building tool is time in the market. I feel like I'm ahead of like where people for my age normally are. So in certain ways. But again, that whole, you're going to borrow against half of it. There's 50,000 in here. But 8,000 is the outstanding loan. So again, it's just like you're really at 42,000. You have 42,000 vested.

So like, and then it's going to, you're going to have like 25,000 vested. Once you're done with your little. plan here? What's the payment that comes out of your pay for this 401k loan on a monthly basis? It's like $100 and something. And what are you invested it? That's going to take for, wait, but at 11% that's going to take forever to pay off. But these 401ks because like 11 seems like a lot. Maybe it's six. No, you can't go from 11 to 8 to 6. You don't know. And also if your credit scores at five, no, it's not. 500? My credit score? In the fives. It's absolutely not. But when I bought my house, it was in the 700s, like high 700s.

Almost 8. That still thinks forever to pay off. And even still, regardless, if it's 530, your score is 530 for fuck sake. So if you pay off this 401k, how? How? What did you do to fuck up your life so bad? Wait, why did you go from being in a position where, like, you were ahead of the game to, like, starting to destroy things? So.

How? How did this happen? Like we were talking about at the end. And we got super sidetracked, right? But I ended up leaving my job, right? And I was only gone for eight months. But. What did you mean?

Only eight months? You do not understand a single thing in this world. Only eight months. That is significant. What did you do? So during that eight months. Wait, did you get fired or did you leave? No, I left.

What was it? So it was nothing to do with, like, the job. What was the job? Oh, it was what I'd currently do. It was... What did you do for eight months? Why'd you leave? Okay.

So, you know, I had my little, my little rank down, right? Oh, yes, because the dude who was a million years older than you who had a kid who had a kid, who had a kid, it was sticking it in constantly. He's not even that old. You couldn't leave him. You couldn't get away from him because you just keep going back like an addict. Go on and add dick. Get it?

Love him to death. Still do. But anyways. Are you ever going to live alive? Are you ever going to find a life? someone? No, you're not at that point. If you're just addicted to this dude who's a million years older than you, who has a baby and a lady he is with, the one that created the child with him, you're never going to have a life. That's so sad to see. I don't want you to do that.

Major channel announcement. Budgeting, budgety, budgeting. It's a new year. We're all trying to budget. We're all trying to make it a little better. We're trying to improve our life. A lot of people on the show, a lot of people out there that I've heard from, they try to start a budget. They can't stick to the budget. It's because it's all too damn complicated right now. You use any of the budgeting apps out there. It's crazy. It's hard to know what's even going on. It's impossible to set up and it's a chaos to manage. That's why over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated. You're trying to take control of your life. So it should be simple. It should be chill. It should be easy to set up and easy to manage. I've called it simpler budget. Because

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Can I give you three free therapy sessions and please talk to them about this with our partner, Sondermind? Can you please? I don't need like any therapy. I'm good. You are not good. You're the opposite of the good. Me, myself and I we talk and we're good. Like 100%.

You cannot therapy yourself at all. You're obviously beyond fucked up. And you keep going back to this guy. I just want you to be able to live a life. I want you to be able to live a life. It would be so sad seeing you hung up on this dude all the way through your 30s and 40s. We are done. Like we're not doing it.

For now, you've gone back and forth for six years. It is a long time. I think we're going to call him on my number in the post show and I'm going to tell him to get the fuck away. No, no, no, no. If we're calling you have to be quiet and we'll just. I'll just talk. Me and him. We'll do that in the post show then.

We'll do that in the post show then. He's definitely going to answer the phone for me. Oh my gosh, this conversation is a mess. Anyways, you keep getting me sidetracked. Let me tell my story. So this is a good story, right? I quit my job. Well, I didn't quit my job.

So, like, I left my job for a minute, right? And I went on, so my brother was getting married. I went on the bachelorette trip in Florida. And I was a bridesmaid. For nine months? No. And I was a bridesmaid. So like I had to pay for, and this all goes into like the credit cards, right?

So I paid for the hair and makeup and the dress. And some of that, not all of it, but some of it went to the credit cards. And then I went on the trip to Florida, the Bachelorette trip. Some of that went on to the credit cards. And then directly. Buy 40-year-old male strippers? Directly after the wedding. I went to Disney World with my nieces.

And then after that, I took a little road trip. How much was Disney? I was road tripping. But why not work during all this? You can't. You can't work and do all that traveling. Wait, how much traveling were you doing? Was this back to back to back or was there any gaps in between?

Because if you took a couple days off at her job to travel somewhere. No, no, no. At most it was like a week in between these things. So like. Why do all this, though? Why throw away everything? In all seriousness. Wait, and you already owned a home?

home? No, I didn't know on the home yet. I didn't know on the home. Oh my gosh. So like in all seriousness, I was having like a really hard time. Yeah, meaning, hey, maybe you should actually talk to a professional. And, um, you know, it just seemed like everybody else in my family was like kind of like moving and like their worlds were turning and mine wasn't like I wasn't doing anything. I felt like I was just working constantly, constantly, constantly and like, I don't know. No offense. Won't it feel like that if you're endlessly hung up on this dude? Won't it feel like that forever. Yeah, and I think

you'll have these spells constantly. Part of the issue was like it was just everything that was going on in my life, right? So anyways, I ended up leaving my job. I did the Disney thing and then I went on a little road trip. I was planning on going like from Tennessee all the way around.

All the way around. All the way around the thing. The thing. Yeah. But anyways, I got to South Dakota. Okay. And then I ended up turning around. It's the classic road trip destination. Have you ever been?

It's pretty. Nope. Okay. So that was nine months? I went to South Dakota and then I came back home. That was all nine months? Well, it was, no, it was eight months during this whole thing. You could have worked in there.

That was not enough for eight months. Well, I wanted, I wanted to take, the plan was to take like a six-month hiatus and just kind of like reset. And you got your job back like that? It was to reset my mom. Amand, yes. you got your job back like that you got your job back immediately

I don't give a I don't give a fuck um well I mean yeah because like I'm a good employee right I feel like I do a really good job at my job You leave without warning for nine months Um You know I'm I feel like I'm good at my job

And obviously I am or they wouldn't have wanted me to come back right So I actually got a phone call from one of the people That I had worked with previously I'm just starting to think the talent pool In that town with five people might be small. With five people? Come on, no.

I don't think so. I think it was me, you know, because I'm just me. Right? You had to be there. Anyways, so I actually got a phone call and it was like, hey, do you want your job back? And I was like, yeah, because I'm kind of like, I wasn't. 42,000 people. I wasn't running, what is that, the four?

Yes. Yeah, it's a small town. What do you think you are financially right now? This has been a mess of an audit. Usually I ask this more early on, but it's whatever. I feel like you got sad. Where do you think you are? Zero to 10, zero to 10, zero being the absolute worst,

10 being the absolute best in your finances today. What do you think you are? I think I'm a two. Okay. Yeah. Okay. If you watch your hammer financial score, it's free. Link in the description below.

Figure out where your finances stand. And if you want to be on this show, you want to come down here, Austin, Texas, Let's get a little. But it's also fun. It's a good time. We'll have fun. You haven't fun so far? So much fun.

Okay. All of it. Yeah, go to Calebhammer.com slash apply. We'll have you here. It'll be a good time. And I look forward to that. And we'll connect you to with resources like we're going to connect you with. Please do the therapy.

You need it more than almost anyone I've talked to recently. Oh my gosh. I'm not even kidding. That's not a joke. It's not an insult. Do you really think that? Yes. I encourage therapy.

I do therapy. Therapy's good. Regardless of where you're at, you could be perfect. And therapy would still be good. I don't really, like, I don't do that whole thing, you know, like the mental health. I mean, I support it. You got to be in close to. Why not do the whole thing?

I don't do that whole thing. Why not do the whole thing? Like, I'm fine. You're not fine. You're not, objectively. How do you think that, though? You're here. Well, no, I mean, financially, I do need, like, I got a little bit sidetracked and my finances got off.

But previously, I was doing really well for myself, I feel like, especially for my age. Hey, how'd you meet them, by the way? Um, we met in a tattoo show. He was the tattoo. It's where you find the best man. He was the tattoo artist. But, you know, we really, and you're going to love this part. Not doubt.

I felt like when we first met, because, like, I don't drink and I don't smoke and I don't do any of that kind of stuff. You're just a degenerate every other way. Kind of like me. It's fair. Go ahead. But, um, I don't do any of that kind of stuff. And neither did hate, you know, and like, we were kind of talking about how, like, neither one of us drink or smoke or anything like that. Just 20,000 to the 42,000 that live there are all his children.

We kind of, you know, it's hard to find people like that. It really is. You might need to go out and explore a little bit in life. Well, no, that's true, too. Okay, whatever, whatever. Stop it. What is this first thing that I'm even looking at? Because here's the thing.

Here's the fucking thing. You ready? Here it is. Okay. You owe 4. You owed 8,224. Now you owe 8,411. What is this?

Is this a credit card? Bread cash back? What the fuck is that? They're giving you cash back on the bread. I don't know. I don't see any cash back happening. You know what I see? I see $41 of fees because you're late.

Because you're late. Because you're not paying it. You make good money, especially for that area. Especially for that fucking area. But I haven't spent on that thing since, like, November of last year. How does that matter? You make over. You make.

Triple the median income in your city. Triple the median income yet you are late on a credit card. You're not paying on it. Yeah. Good. First step. Why not make any payments? Why be late?

I don't understand. Why have such a credit score? Your choice. Why do that? Why live in this situation? When I first bought my house and I first moved in and everything, I did not have enough money to cover all of my bills and my house. Then you couldn't have afforded a fucking house.

Well, when I did. the um like when i calculated my payment up and everything like i was two hundred dollars short based on how much i was making but i had a plan how'd you get approved they'll approve a lot of people for a lot of bad loans but if you're two hundred short based on your own projections how the my credit score was really good and my income that is not that is not everything but you said with your income you're 200 short well i was estimating everything like i was estimating the water and the electric and if you see you're 200 short why would you get it why would you

possibly fucking get it. I needed a house. No, you didn't. You could have rented. No, you did not. I didn't want to rent. And then I have my... What?

But you could have. I have my little puppy dog. So... Yeah, I've had my puppy dog in apartments. It was really hard to find somewhere that it was like, would let you bring pets and I found one place. That's not true at all. A new year means new goals, right?

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Apply today at meetfabric.com slash Caleb or click the link in the description below. That's meetfabric.com slash Caleb, M-E-E-T-Fabric.com slash Caleb. I found one place and the rent was $1,600 a month. And I was like... What's your mortgage? It's 14.

80. That's not... You could have looked. You totally could have looked more. I know people are not willing to look enough on the show. That is this is an endless common thread when it comes to loans shopping. I did have like a time limit because I was actually moving to... What?

I was moving out of Tennessee. What time limit? I was moving out of Tennessee. Yes. What was the time limit? Alabama. It was like I had a month. That's reasonable.

Would I prefer to? too, of course, but I've done it in a month. We've all done it in a month. I've done, when I moved to Austin, I did it in a fucking week. With the puppy? With a cat. I feel like that's different. It's worse.

That piss stains and they rip up carpet. Trust me, as a landlord, I would rather someone have a dog than a cat. Yeah, I guess that's true because I do tear stuff up. Yeah. Unless they're litter box trying to then it's a little bit different. But I couldn't find anywhere that was like a reasonable price where you could bring a pet. So, and then I also, I know,

I was like, let me invest. To that town. I wanted to invest in something. Yes, I agree, but it's not an investment if you can't make your payments. Instead of like just throwing money away at rent. It's not an investment if you can't make the payments. But I had a plan. You didn't listen to that.

What was your amazing plan? Was it as good as winning that guy over? Because that's worked so well. The plan was. So, like, that town is kind of like a college town. So I was going to door dash for like the extra money. That was the plan. And I did DoorDash for a couple of months.

But then I actually got a raise at work. So it was that. What are you making it? What are you making now? Oh my gosh. That time is in the middle of nowhere. So my- It is really in the middle of nowhere.

My bi-weekly was 14. And then when I got my raise, it turned into like an 18 or 16. Maybe it was 16 and then turned to 18. But now you're saying because the mortgage is hard or whatever. Plus, like the door-dashing was really not the girl. greatest investment because the gas was it was like almost three dollars a gallon which i know other places is a little bit more expensive but for me that was expensive and i wasn't really making that much money why is you making these payments now i think i'm so short money if you look at that

that's what happens when you spend a thousand five hundred dollars more than you make is six hundred now because you're behind payments you that's what happens you that's what happens what do you think happens when you are behind on payments. It was probably like a $50 minimum of the payment. No, it was always like pretty expensive. That card. You don't know.

You haven't made a payment in how? Dude, you have. To start with it was like $400. And now it's like $600 a month and it's just too much money for me to pay. Listen. It's just too, it's just too much money. You've had five miss payments.

So there's no way it's that much. So this is actually likely with that $41 fee. Yeah. 41 times 5. So, 205. Minimuthy payment was likely two. No. Okay.

And then divide and then divide number five. Your minimum fee payment was about $48. No. Yes. No way. Yes. It was never $48. Like if it had been $48, I would have.

There's no way this mask makes sense then. With those fees added, which would be, no, that would be added to the overall balance. Okay, one second. Let me think. Let me think. Let me. There was no. Shut, shut, shut, shut, shut, shut.

I would have. Shut, shut, shut, shut. I would have tied $48. There's no one. It was likely $89. Because it is stacked up for five fucking months. It was not. No.

It was not. I'm going to say 100. I'm going to say 100. I'm going to say a fucking 100. But I also don't think you know a single thing. I think 100 is a little, like you're a little bit low on that. But 100 is more, it's like closer to life. How can I trust you in any way to be a reliable narrator for your finances?

you are not able to adequately speak on anything we've talked about so far. Listen, $205 of fees this year. $1,777277 of interest this year so far. That's disgusting. Yeah, that's a lot. It's a lot. Disgusting. Not good.

Not good enough. That's fucking insane. And you don't give up. Why not make the payment? I still don't understand. Because you say you have too much. Because you say you don't have enough. You spent $1,500.

more than you made this last month. Like at one point... What, your mortgage is $1,200. At one point, it was so much. Your mortgage is $1,200. No, my mortgage is $14,000. Congratulations. You might as well say five.

Shut. That's not how that... What is... How have you... Your mortgage is... Your mortgage is 37% of your income. It's $1.98. So wouldn't you round that up to $15?

Or it's $14.998, so wouldn't you round that up to $15? 1498. Like we're literally a couple... $3,708. So it's basically $50. It's 40% of your income, 40% of your income. That means you have 60% left. Is that a little on the high side?

Absolutely. But that means you have money left. And of course, you also said you get these bonuses. So regardless. Not bonuses, not plural. The one. Okay, you get the bonus. If you're suggesting you can pay off an $8,000 loan with a bonus,

then that is a substantial bonus, lady. So that means, like, for your entire annual income, your mortgage is probably closer to about 37% of your income, okay? Meaning you have a substantial part of your income left. That is not why you did not pay a $100 minimum monthly payment. Or even stacked up,

that is not why you are not paying a $650 payment now. I was there for the whole thing. I felt every second of it. You're not anywhere. You don't live in reality. You're nowhere. You're not on the same. same plane that we all are.

There was a point in time last year when I could not... Dude, we're 46 minutes into this thing and I'm going to the second document. I couldn't even buy gas. Like, it was that bad. Like, I was struggling. It can't be because of your mortgage, though, because we know your mortgage at its worst is 40% of your income. So other expenses are being done somewhere.

My electric bill was like $300 during the summer, which I mean, I'm sure you... That does not make it up. We'll do the budget at the end. We'll do the fucking budget at the end. It gets hot during the summer. And I'm not used to having did like. So I have a three bedroom. To dead like?

Three. What? You're not used to what? I'm not used to like having to like heat and cool. What was the word you said? Why can I not understand you? What is the word that you said? I'm not used to having dead like. I didn't say that.

What are you talking about? And I'm not used to have and did like. Am I having a stroke? Are you not like from? Am I having a stroke or are you in a stroke? audible with your accent. I think the problem is... Do I need to find a, like a...

I think the problem is you're not abridget... Not the homeless hillbilly. No, not the homeless hillbilly. I think the issue is that you're not from the South, man. South, but I live in here. Yeah. But the Texan accent is definitely different than... I don't care. This is not a

conversation. You have a car? I do have a car. What's your car? So I have a Jeep Renegade. Yeah. 2015. Miles. 136, I think. So we should prepare for the worst.

Jeeps aren't historically known for being the most forever reliable. Not for being the worst either, but okay. How's she doing? She's not doing great. That's what I would expect. She does this weird thing when you go to like take off. It's like bo-boom. Take off?

You mean accelerate? Like when you drive? Well, like when you push the gas. It goes boom, boom? Oh, we're so sorry to hear about your brother that passed away. He gets five big booms. Boom! Boom, boom.

What's boom boom? Boom, boom. No, not the boom boom. No. What does it do? Not boom boom, boom. It goes like, da-d-d-d-d-d-d-t. It's more like the da-da-d-dunt.

Let me, okay, so when you... That sounds potentially transmission-related. Yeah. Or... But I also have no idea what the fuck you're talking about. I cannot translate. I feel like... Dude, I can barely listen.

I can barely understand the words you're saying. When you start talking in sound effects, I do not know what you're saying. So, I feel. feel like it might be a filter issue because like I think the filter filter what the air filter maybe but I had that time so no I don't think so like not getting gas or something it's like how'd you find your way to Austin how did you get without getting lost listen to me I struggled to get onto the airplane I am not surprised it was like a maze in there and I looked at the map too 9,070 dollars oh it on a breaking down car a car with a transmission failure

But like when I bought that car, they told me that it had one previous owner. And funny story, I went to the public's, right? And I parked beside this really cool Jeep Wrangler. That is funny. And anyway, the guy comes out, as I'm getting out of my car, the guy that drives this Jeep Wrangler gets, like, it's coming out of the store. And we, like, meet each other. And he's like, oh, my God, that's my card. And I was like, oh, yeah, like, it sucks.

I didn't say that to him because I felt like it would have been rude. And it maybe would have offended him. But, like, seriously, the car is not the best. But anyway, it was a one-owner vehicle. was like the own old. That was your story? Well, he was telling me about it. He's like, that was like right off the lot.

I bought it off the lot. Like, great car. And I was like, I doubt you're maintaining it because you probably don't even know where the oil goes. Dude. But like that's not for me today, though. That's for somebody else. Yeah, if you actually take it. Yeah.

Right. And I do. I try to maintain it. The fucking lights start blinking in there. And you're like, oh, it's Christmas time. I don't talk like that. That hurt my feelings again. What is the interest rate on this car possibly?

No, no, no, no, no. I think that's 11. Wait, wait, wait, wait, wait, hold on. I think that was the 11. The other one was 6, this is 11, I think. Yeah, is at 11%? 11% on a car that is breaking down. What are you going to do?

Insurance isn't going to cover a broken transmission. Well, we don't know that it's breaking down. We just, it's got the something. Yeah, that sounds, when I had a Nissan Ultima and the transmission started to go, which is a brutally expensive fix. Well, I mean, you know, foreign in that part, but makes it more expensive. Either way, um, yeah, that's how, that's what it at least sounds like. Hope not.

But, but, but, but that's what makes me nervous is what's the, what? What is your minimum? But listen, listen. But my other plan was like, okay, when I take this other 401K at loan out and I get a little bit of extra because I can pay off all of my stuff, then I can pay off that and I can get another vehicle that's like better and not breaking down with like the extra from the 401k loan. What's the minimum payment? For the car?

Listen, if you get a 401K loan, it's going to be like 13% for you. This is, it's not going to make the difference. And I feel like I need a little bit more education on the 401K loan because Transmission for you with that car is going to be about 3,000 to 4,500 and then obviously it's going to be labor. So it's probably going to be like a $5,000 job. Yeah, that's a lot. it's not worth it honestly but you don't have the money and you're just going to borrow against

your 401k forever what's the point of having built it up in the first place in your case especially if you borrowed it well beyond what it's going to make on average your minimum fee payment 270 297 yeah kind of expensive we think it might be worth around 7000 if in good condition we don't know if it is and they might catch on to that transmission thing if they run a transmission test anyway yeah okay so 297 are you at least making your payments yeah no I make my car payments. Why make that payment, but not the less? Why are you picking a choosing? So why not the other one?

Well, I got behind on the breadcash back card. No, I'm asking why. I got behind on it because I honestly was not making enough money to like pay all of my bills. Like I was having a really, really hard time. You make triple the median income there. Yeah, but I have like I have the house by myself and then I have like the water, the electric car payment, insurance. like gas gas was really expensive for a minute there and that was that was tough you're not budgeting you are not budgeting that was tough go through our budgeting class for sake please if you are even

able to figure out how to log in go through the investing class go through because that that's important eventually I don't know what funds you for a 1k thing is in it actually I'm very curious let's talk about that at the end and also go through the debt class so you can at least understand how to utilize that in a beneficial way in how to pay off bad debt with different strategies. Do that. It's all discounted for you guys all bundled together for 15%. I recommend anyone go through it. But go through it because you get it for free, okay?

Please. I mean, I have like a lot of expenses and then my mom lives with me. She's. Your mom lives with you? She does. Hold your mom. Wait, why does she live with you? Well, she's in her 70s, right?

She had me like, like, her life. She's, okay. I mean, she's not able to work or anything like that. So, I mean, I do take care of her. 70. She had you kind of old. She was 42 when she had me. Okay. Why does she live with you?

Well, she was, when I moved, I moved from Tennessee to Alabama. She stayed in Tennessee, and she just wasn't doing well. Like, she was there by herself. I think I was gone for about four to five months, and she just, like I'm saying, she was not doing well. Yeah. So I didn't want her to be there by herself. Well, I agree. I agree with that.

Mentally and physically not okay by herself. So she came to live with me. No, I fully support that. Totally cool. So I mean, but what is the added expense for you on that? Are you like taking care at groceries? I'm sure she's getting some kind of social security. Yeah, she does.

Okay, so what is the added expense on your end? She buys the food for the house for the most part. Like she keeps it. You have no reason to be behind on bills. In what fucking world. Okay, so like if I wasn't, if I was living by myself, right? Like the water wouldn't be going. Like I work constantly.

No water, no electric. Like, I feel like my bills would be a little. She can't be using that much. should be taking a shower like every five minutes i don't know what to tell you but like and the electric stays on you know whereas if i if it was just what's the square footage of your house um 26 yeah that's decently sized and if you don't have like efficient bedrooms three bathrooms there's a garage like well yeah and if if if the air is leak in her stuff like that yeah that definitely makes it more expensive like my electric was like 300 and something you have a capital one save your card

how about we talk about that 5,6005.15 and 16 on it. With 186,000 minimumity payment. So this doesn't make any sense. This really doesn't. You have a $6,000 credit limit. You're pushing it towards that. You started at $5,300.

You made the minimum of payment, but then you purchased almost $300 of things. Why would you purchase on a credit card that is accruing interest that you are not paying off that you can't pay off? About $130 in interest just this month alone. I had no money on my debit card,

and I have to leave a little bit in there because... Yeah, you had no money on your... credit card. So you should purchase all the bullshit. Because 90% of it's bullshit. I don't know about that. Let me let's look at it. Because I don't feel like it is. If it's T.J. Max, that's like I feel essential. Little Caesars. Sheen going in Speedway and getting in a fckin sippy, drinky bullshit. Jacks. Going in and getting a drink from Speedway.

Five guys. Pizzeria. Ruby Slipper. Yeah, necessity. Huh? Not even one T.J. Max on there. You got your sheen. So that was when we went on vacation and the Ruby Slipper plays. Your vacation, you can't afford to go on vacation. Where'd you just go to vacation?

You can't afford that? I told you I've been saving up for it, though. Let's be real. If your mental health is off, everything else feels off. Your relationships, your job, and yep. Even your finances. Ever wonder why you keep making those constant bad money decisions? Maybe it's because you're not.

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It was probably... How much did you spend on that occasion? He essentially, essentially, you know what he did? He spent money so that you could spend more money. It's one of the gifts that makes you spend more money. It happens. Well... For our boy Jake back there for his birthday, you know, boys came together.

We gave him a gift card to build a new fishink. But honestly, that just means he's going to spend more money. So this is what happens. If he pays for your vacation, but you're going to go spend money on food. It was the, first of all,

it was the ruby. How much did you spend? It wasn't much, honestly, because I actually went to, you wouldn't know. I went to Publix and I bought, I bought some of the stuff that we like,

you know, stuff to eat and like little snacky stuff, so I wasn't going to. You spent $40 of Publix. Yeah, that was like a week's worth of little snackies. Yes, and then you went out to eat a lot of times and you go inside the gas station and get some bullshit. Then what are you stopping to? speedway for and getting for $2.50

cents. Shut the fuck up then. Okay, lady, shut up. Sometimes when I'm so sleepy. Oh my gosh, I hate you. Okay. 28% interest. I wonder he chose the other woman to have the child with.

That cut a little bit deep. Maybe you should cut up your credit cards instead. Instead of what? Said that cuts deep, cut up your credit cards. Change your fucking life. Take control for the first time. Act like an adult for the first time in your life. No, I am, I think, like, very mature and very, um...

That's a good joke. For 27, I feel like I'm... Fuck you, 27! You're going to borrow against half your 401k. You're not making your minimum monthly payment on one of your two credit cards, and then on the other credit card, the balance is going up because you're spending it on bullshit.

Shut the fuck up. You don't know what you're talking about. Okay. Okay, maybe even more resources. Maybe get an accounting certification through course careers. Take that so you can learn how to account your own. Use the FIS card because it only allows you to spend what's in your checking account. So you're not being a dumb.

And sit down with the financial advisor that I use. Shut the fuck up. Sit down with the financial advisor that I use at Domain Money. You get a free session just like everyone else in the audience. You get a free session with them, okay? Go through those. Use our damn resources. Yeah.

But I will say what the credit. cards. I was doing really good when I first got the credit cards. I don't give a because you're not now. That means nothing. But I mean I built my credit up to like 700. And now it's 520 or whatever. So I don't give a f***. Like, like 20. Like why are you jerking yourself off over your past? Your past doesn't matter what you're doing now. I've done in the past. I don't shame myself for that. I focus on now and what to do in the future. You don't get to get all excited because of your- I know how to use credit cards. I know how to use it. And why aren't you doing that? How about that?

I just got in like a really bad position. Yes, a long time ago now. So why haven't you fixed it? You're not making a minimum payment on one or two of them. So what the fuck are you talking about? You're bullshit to me. Well, I didn't. And now this is for real, for real, right?

I wasn't necessarily like educated on how to pay them off. So I had all three. I had three credit cards, right? And they were all pretty high. So instead of like paying one of them off completely or like the high interest or something like that, I just put money across the board. And then after I did that, I realized like that probably wasn't the best decision.

I probably should have paid it off the way. Is there any reason you didn't Google how to pay off debt? I just didn't know. Exactly. This is so simple, guys. You can literally look this stuff up. Really? You know the interesting thing?

I just never researched it. This show should not exist. Even our classes shouldn't exist. The thing is everything you can just figure out. But no one's able to. So we have to put it in. We have to put in the work. and package it into consumable areas into the show, into the education.

It's not something I thought about Googling. I know, but you were thinking about it because you were doing actionable steps of putting money towards your debt. You could have Googled three seconds. I was trying to pay them all off. But that... Here's your 401k loan, $8,000. Great.

Kill me now. What are you invested in? What's your 401K invested in across the war? It's Merrill Merrill. I don't know what specifically. SRP No, like what's the fund that you selected to be in?

Merrill Lynch? I don't know what you're asking me. Say it and Sart. That's likely the manager of your account. Simplot might be. Yes, in there. Yeah. Are you in the S&P 500?

Are you in a target date retirement? What might you be in? I'm really not sure. I think it's the... Listen, I just contribute. Okay, I know that's good for me. But if you're contributing and it's not doing anything beneficial, then what's the point of contribute? Well, obviously it is because it's grown so much, right?

So I never really just like invested. So maybe it's falling in the general market. Maybe you're in a target date retirement fund. Since you're younger, it's a bit more on the aggressive side. Yeah. Okay, Jake, look deeper into the documents and it looks like it's a target date. Okay. Just a normal person.

It kind of makes sense. It goes a little too heavy on the bonds for my taste later on. But, you know, for just someone who doesn't want to think about it, it's certainly not a bad thing. Checking account. Okay. Basically the money that went in and went out, so great. Okay, well, we're blocking out the store name,

but every single one of these is a fucking store. What are you doing at your work? $2.76? At your work, $1.10? At your work, $8. At your work, well, then you went to Wendy's. And then at your work, $2.26, then $2.62. Taco Bell.

Then at your work, you did $2.80. At your work, $3.29. At your work, $4.63. You're obsessed. You're at there. You're walking down every aisle and shoving everything in your throat. No, not at all. What are you doing then?

Because they're supposed to be paying you, not you paying them. It's just like when you're right there, right? And like everything. When you're what there? When you're right there. At there, okay. Right there. Right.

Oh, when you're right there. Yeah. Oh, for f**, lady. At the store and like, I mean, obviously you can get whatever you want. They have everything there. And like, I always need a red bowl just to like, because it's a lot. It's a lot. Why are you buying individual fucking red bulls?

Go to a place where you can buy in bulk. Even at the store you work at buying bulk and put it in like the employee refrigerator. I try not to drink Red Bull because it's really bad. Yet you purchase it every day at work. So this trying has failed. So just either quit or do it smart. Well, I quit for a while, you know, like a long time I quit drinking Red Bull because it's not good for you and I don't agree with drinking Red Bull. What on this statement is a Red Bull purchase every other day?

But when you're there and like you're tired and like. So do it smart. If you're there, you can purchase a pack from the aisle. Yeah. I mean, yes. And then that gives you at least four for a more affordable per ounce price. If you're trying not to drink them, like why would you go buy a whole pack? Because obviously this is not working.

You're trying to resist the earth. It's the smart choice because you're not resisting. You're not resisting. But I'm trying. You can't resist Red Bulls. You can't resist gray hair on men. You have to make the right choice. You need to move on from him and move on from Red Bull.

Or if you can't move on from Red Bull, you need... So are you saying if I can't move on from him, I shouldn't. Huh? No, you should talk to a fucking therapist about that. This is every second of your life. And also, some of them are more... They're never the same price, so you're getting more than just a red bull.

You're getting a snack and stuff too sometimes. Or you're doubling up that bowl. It's the small ones and then it's the bigger ones. So it just depends on the day. Yeah, if it's a bad day, we gotta. Even still, literally not one of them with the same price. Like, it's always different. It is always different.

There is not one that was the same price. Are you sure? Yes, I have the numbers in front of my eyeballs. It might be like a little a snack with it. As in the thing I just suggested 30 seconds ago, but you couldn't comprehend? Yeah. Might be.

My gosh. But normally it's just the Red Bowl. Oh, by the way, fun fact, I forgot to even mention it. On the credit card that you were at least making the payment on, you have missed like eight payments this year so far late. So is that even like you pay those payments on time anyway normally? But that was back when, that was before I got my raise and I really was having a hard time. What was your income again before the raise?

So it was 16 every month. No, every, every, byweekly, it was 1600. Yeah, it was 16, byweekly. Okay, yeah, you got a $500 raise. That's great on a monthly basis, $500 a month. Net, I mean, no, no, no, good raise for sure. Should not make a break your entire life with the price of your mortgage. That does not make sense.

That does not make sense. You spend ridiculously. I was your dad-during. You spend ridiculously. Because I didn't have enough money. Because you spent ridiculously, lady, if you don't fix your habits, there you go. Purchasing from your store.

597, purchasing from your store, 229, purchasing from your store, 428, purchasing from your store, 1151, purchasing from your store, 890, Speedway, you went in and got another monster, purchasing from your store, 322, purchasing from your store, 411, purchasing from your store, 725, then you went to Dunkin Donuts to switch up the kind of caffeine we're getting, then you went Taco Bell, purchasing from your store, 424, purchasing from your store, 725, then you went to Dunkin' Donuts to switch up the kind of caffeine we're getting, then you went Taco Bell, purchasing, from your store. $1.94. Purchasing from your store. $2.29. Circle K winning, got a Bev. Arbized it up. The Yellow Deli, expensive, $25.

Speedway, went in, got that coffee. Purchasing from your store. $1.95. Purchasing from your store, $5.9. Cursicing from your store, $5.35. Sonic Drive-in. Purchasing from your store, $2.76. Purchasing from your store, $2.76.

There you go. That's the same price. Purchasing your store, $8.18. Speedway, winning, got a coffee. Jack S. Some restaurant. Purchasing from your store, $6.12. Or actually, sorry, that one's $2.76. And then, oh, there's Marshalls. That's not T.J. Max. And $17.56. Where are the T.J. Max? You keep talking about T.J. I didn't see T.J. Yeah. Purchasing from your store. $3.00. $0.22. What the f-

I think when I'm there, like, I just don't realize. And then happy hollow, $20. Happy hollow. Surprise. There's no overdraft fees. I don't. But you do have monthly fees because you don't have enough money in there. So you're giving your bank $5 just to exist.

Like, that's a joke. That's a joke. Do you have any other debts that I don't know about? Any family debts? Any friend debts? No. Nothing like that. I'm surprised.

I just don't know us. And what's up with your dad? My dad. Nothing. Nothing? Just not with your mom? Oh, yeah, no. They're just not together.

Okay. Yeah, they're just not together, so. I feel like if you have a lot of room left in your budget after I make you a budget, I'm going to be pissed. You don't have to pay for groceries. Like, I really think that you will see. Well, I will see on my own. I struggle so much. Oh, I'm about to buy now.

$3,7008 is what comes in. Debtment of the payments, $186. bucks. Wait, sorry. $583, probably. You know what? Let's say that minimum monthly payment on that other one that you said is more as $200. Okay, $200. Okay, minimum fee payment, $683.

Mortgage? Mortgage is $14.998. What's your interest rate? No. It's 8%. On your mortgage? Yeah. When did you get your house?

2022. You're raising rates in $20. Why was it so bad? But they start raising at the end of 2022? When in 2022? It was the beginning. So it was... Why is your rate so bad?

I actually purchased it in February of 2022. So... Okay. Water, gas electric. Average it out. Average for electric, I would say, is like $2.50. Summer months, it's more expensive. Keep going.

Gas? And then gas, water is... like 75. Is it combined? Yes, it's combined. Okay. Internet? My mother pays for that, so.

Nada. Phone bill? That is 186. You on your phone? Well, my mom's phone is on there also, and I own hers and mine, so. Oh, on both? Yeah. Oh, for, like, can't even get you to switch to helium for 15 bucks a month.

I gotta take care of my mommy. Well, yeah, but you can own the phones out right, and then you can both be on. helium, 15 bucks each. Well, I'm paying them off. Team mobile service. Yeah. Okay. Gas, room, room, drive, drive on a monthly basis.

It's very expensive. So, like, my, I live. Yeah, a number. I live probably 60 miles away from work. So I would say on average a month, it's around $3 to $400. $400. Car insurance. Car insurance is $3.80.

TP Fund, anything else you need to survive? 100. Your mom's social security can cover her. keep you fun. You don't pay for groceries nor do you need to because she does. Medical health care. Anything ongoing? No. You have any pets? You have a dog. I've got a dog. How much for pet food?

And then I have my little piggy. How much? Huh? My little piggy. My pig? My pig. My pig. How much for pet food on a monthly basis? Probably around, I'm going to say 70 because his food is a little bit more expensive. He eats a lot. Okay. Do you have pet insurance on the dog at least? I don't know if pigs can get it. I don't think pigs can get it. Okay, get pet insurance or else you're being a selfish pet owner.

I'm going to call that $40 a month. So no medical health care. Jim? Yes, $30. It's like $28. 28 then. Anything else that needs to be in your budget that I am not taking account for? I got a Spotify.

No, you don't. I guess I don't have a Spotify. Well, we put in things like that after the fact. This is your needs. Come on. Well, I cut off all of the things. my subscriptions when I moved into the house because I couldn't pay for them except for Spotify because like I drive such a long way to work every day. Let's see if we can fit it in. I feel like I need it.

I'm not against fitting it in. It's like the only thing I have. You can't fit it in. Can't? Nope, you are under by $2. See? I mean, literally if you can't afford it. I mean, this is because you're debtman of the payments. You've allowed yourself to go up and you got a mortgage that honestly you couldn't afford. Then you financed phones you shouldn't have. Again, we get rid of the financing of the phones. You get rid of some of the minimumity debt payments, even just one of them. All of a sudden, you are able to not only break even,

but start making progress. Cut the gym, unfortunately. You have to go on walks around. I'm chunky. I mean the gym. Listen, we both do. Great. Listen, you're literally under by $2,

so debt only goes up. Jim is great. Jim is great. You have to actually go into the branch and cancel. For a second. Jim is great. Yes, you do a little effort. Jim is great.

You're just going to be focusing. on home stuff for a bit and walking and jogging and stuff like that just until you have you know we have to cut everywhere we can yeah and I'd rather you have pet insurance than a gym why'd you buy so far away from your work well can you transfer to one closer no why I just can't there's no there's there's there's there's been no openings I mean there if there is take it but not right now there's not any but if there is you'll take it I'll try Because if gas can go from 400 to 200, boom, we start making moves. Yeah, much easier.

But that's why I'm saying, like, if I take out a 401K loan, and I know this sounds crazy. No. But sometimes it's not always like black and white, you know? No, it's not black and white. If I take out the 401K loan and I pay off my car and all those credit cards, then it cuts that minimum monthly payment. No, no, because that doesn't make sense for you because your behavior got you here. Your 401K loan is a shortcut. A shortcut that is not good because it's also tight enough of your retirement.

and also it's going to be like 13, 14%. Is that better than some of the credit cards? Sure, it's not better than your car. Either way, either way, here's the thing. You're not changing your behavior. You didn't work to get out of debt. Shut up for a second. If you didn't change your behavior, your debt will go back up.

It's happened a thousand times on the show. A consolidation loan, a personal loan, a credit card transfer, or 401K loan, just to pay off a debt, your credit cards go back up again. That's what will happen. I would rather you work to get out of debt because it's more sustainable. I am not against personal loans or consolidations or debt forgiveness programs. I'm not against any of that. But you have to change your behavior as you're doing it.

If you don't change your behavior, you're going to end up in debt again. You're on track for being close to the right retirement for your age. That $8,000 is denting against it already. But you're relatively almost on track. You're going to start fucking yourself. Here's the actual solution for you that I would personally do. Me? You said your schedule is unpredictable.

So does that mean the day's unpredictable? Yes. So I don't have the same days off and then I don't work the same hours schedule. And then because I'm salary, like if there's a need to stay over, then you stay over. And if there's a need to come in early, you come in early. I want you to get a part-time job, but I don't know how. Yeah, with that schedule, that's why I was doing the DoorDash because it's like that's reasonable. How was it your DoorDash earnings versus gas and shit?

It wasn't good. Yeah, I wouldn't think so, especially in the, town like that. Yeah, like the, there was no tips. So I was making just what you make from like the actual door dash. Yeah, the only tip you're getting is gray hair, 40 year old. Listen, you're breaking even by at least cutting the gym. Yeah. Phone bill. I shouldn't have done that. You really shouldn't have done that. That really fiss it all. Utilities, you're going to have room some months, some room you're going to be over. Mortgage you can't afford. You bought your house in 23?

Two. What's the remaining mortgage? So I've got 176 left on it. And I purchased it for 200. Type in your address. Fancy little computer. It's touched on. It's an iPad.

I like that. Listen, is that the math? I've got two acres of land too. I feel like I did well for myself, honestly. The pig ruins this solution. This solution. I'm not against the pig thing. I love it, actually.

You need a same. He's the cutest little. Maybe. He knows how to stand. For a second. Well, I was thinking about getting rid of him. I was because he keeps getting out of my pants. And I'm afraid somebody's going to either shoot him because... Someone will adopt them?

I don't think so. Like, where I work, there's a bunch of Amish people. Like, it's an Amish community. And I thought about maybe some... He'll be eaten. Yeah, they'll eat him, I think. You're okay with your pet being in? No, that's what I'm saying.

So you're not getting rid of them? No. Not to the Amish. What? It was like an option. It was a thought. and then, like, I was kind of talking about it. Lady, they're going to eat him. I said, oh, my God, my piggy.

I think the best solution is actually selling your house. And moving to a rented place, but with the pig, you can't. No one's going to light up. And I have my dog. Yeah, you can do that. My bagel. You can do that. The dog's fine.

There's a few. There's some landlords that will say no, but there will. Oh. I think because. You have an, you definitely have an equity position. I'm guessing you'd walk away with at least $40,000. I'm guessing this estimate's over by like $20,000 or something. You probably could walk away with like $40,000.

I don't necessarily want you to wipe it. Maybe we wipe the car with that, then we pay off the credit cards via behavior. That's what I want to do. And then you stuff the rest aside for a down payment on a home again in the future. But you just simply won. The mortgage is pretty unaffordable to you. Again, you're just behind.

behind on your stuff. If I didn't have the minimum monthly payments, I feel like I would be okay. No shit. So, like, that's what I'm trying to figure out. You should host the show. It's like the best way to get rid of these. Because that's really what holds me back is like the minimum monthly payments. And then...

What would your minimum monthly payment be on this 401K loan? If I took the loan out, it would stay the same. It would be like $100. A part of me, I don't like this because it vibes with my... Huh? You agree with me? No, a part of me is my morals don't buy but this because I believe if you borrow, pay it off.

But I don't almost let the other one, the carder cards go to collections at this point because your credit scores already ruined. So it's just like, and then you just, you hope they don't legally go after you, which they could. I mean, that $9,000 balance on one of them is pretty big. So they could go after you. Yeah, I don't want to be worth it to happen. I really don't want to do that. I know.

So it's definitely at risk. Yeah. Maybe one of the debt programs where you go into the debt program and then they negotiate it. It's really difficult. You're on that edge. There's really nothing to cut and I don't know how to get you a part-time job because your schedule is so weird. I think you need to move closer to you as soon as you can or you need to sell the house. Don't know what you do with the pig.

You need to cut expenses anywhere and everywhere you can. This is already without food. I don't know. So I'm starving. Maybe trade down our phones a little. I'm not going to the gym. Maybe we're trading down our phones a little. You're not starving.

You're not going out to eat. You said your mom buys the groceries. She does. That helps out of life. Then we just start cracking at these debts one by one. And you'll get there. Just go smallest to the largest. I'm making the minimum monthly payments on the save year.

It's just the bread. You missed five this year. Well, it was when... So shut up. It was before I got that extra 500. I don't care. You still missed five this year. So don't say I'm...

making them. Buddy, there's not, you missed almost half of them this year. But when I got my raise, that's what I put it twice. I get it, but your spending likely increased as well, because look, we have your spending. I don't know. There's some potential solutions. This one's going to be hard. Why don't you sit down with the financial advisor, see if they have any extra thoughts. You know, this is a live thing that we're doing right now. Maybe something's not popping my head that, you know, I could be thinking about. So sit down with those financial advisors that domain money. They might be able to help.

Either way, I'm going to call the dude on my number in the post show. We're going to have that crazy conversation. So make sure you guys join our YouTube membership. I recommend elite for thousands of hours of extra content, exclusive audits, a call-in show where you can talk to us, a lot of other things in live streams as well. Let's get your hammer for initial score. Spending a budget, overspent, debt.

No collections, but for a long day loan. It was really bad. And not paying on it. I can't give you better than a one out of ten. Emergency Fund didn't have any savings or $0. retirement. It's relatively good. I'm close to giving you, like, you know, it would have been damn like eight, nine, but you take a- On the financial score? I don't know. On the fucking retirement part. But your 401K is definitely bringing it down to at least five

out of ten. Real estate, you do own a home. The mortgage is too expensive. The interest rate is not good. That's honestly probably what's fucking you. Maybe refinancing it at a lower rate. Well, they say that it mathematically justifies if you can save 2%. This next rate cut, see where mortgage rates are about a month after that. If you can get under 6%, refinancing your home, you have a shi-as score. Your debt to income is horrible. You're not going to be able to refinance. Not for anything worth it.

Real estate, because of those qualities going against you, I'm also going to give it a 5 out of 10 because it's a risky situation. And for a financial score, 2.5 out of 10, real estate saved. you. Congratulations. All right y'all. All of our education is bundled together for 15% off. And I'll see you guys in the post show. Make sure you join that link in the description below. It's about to be a wild one. So you still love gray hair. I don't know. It's hard to say. I do. That's emotional cheating. Call him. He didn't want me to come on this show. He's a bad person. Oh, yeah. I'm getting nervous.

Listen, he was a dick so we can fucking him all right. Hi. To watch the financial audit post show, click to join button below.