Financial Audit - I've Never Been Lied To This Much

Episode Date: May 1, 2024

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Terms apply. watch episodes of financial audit a week earlier, check us out on YouTube. Are you f***ing me? Are you sitting here to f*** me? Is that what is happening right now? How'd you tell me you were paying for it? In the beginning I was. That's not what you said. My name is David and I'm 23 years old and I am based off with Dallas, Texas and this is the financial audit. Thanks for coming down from Dallas. What do you do out there for a living? I work as a sales manager for a production company. Oh, I love so. Production House rental. thing we it's categorized like that and what are you making uh about 50 50 000 a year is some of

that bonuses commission or is that just or hourly salary it's a salaried one salary at 50 yes uh it's potential for uh there's potential for commission but that hasn't been implemented yet so haven't been implemented how is a sales manager being a sales manager without incentive for making the team go out and sell, isn't that the whole point? Fruit fly from this plant right next to us. Get out of here. Yeah, that I blame our corporate office, so our lead team. So you're making $50,000 here.

Yeah. Okay. Which we had $3,010 come in last month from payroll? Yeah. And that? Cool. So, David, what is going on? Spoiler, I already know.

for the lads out there what is going on because we got a couple things and I'm like you know this dude's kind of average then he got some things on like you know those guy might be in the right direction

and then all of a sudden I get to some things and I'm like what the fuck is David doing what is he possibly doing why is he ruining his life at 23 so what is going on

um I think is just my um my reason to be generous. I guess that's to blame for it. Missing a payment? Is it being generous?

Is that being generous to your future? There's a mispayment. Oh, you don't even know? No. Oh, really? No, I've looked at everything. I've said nothing missed payments. Oh, if you're talking like, like,

because I've done like credit checks and this has no miss payments. Oh, yeah, that one. Oh, that one. Yeah, what the fuck, buddy. Yeah, that's my brothers. That's my brother. What do you mean? What do you mean?

So my brother works as a diesel tech, and so he just got a job with Freightliner. Okay. What do you mean? That's your brothers, though? No, so it's under my card, but he purchased a toolbox set, and so... So your responsibility, if your name's under it, you make your bills. You pay your bills. you make your bills paid

I asked them sending money and I try to get it in time it doesn't matter if you didn't send the money you still have to pay this your bills it's under your account

yeah that's my fault that's okay so never missed the payment first document in the pile is a missed payment so what is going on

was my question and let's get an answer now because that's sure generosity involved you helping get your brother toolbox or whatever, but then you didn't pay your bills. That's not a generous thing.

So tell me, what is going on? So the reason for that one is for, so I keep taking off. What is going on with your finances? I am in debt. So I don't know how to manage my money and it's clearly there. Classic American, sure, right? And I don't know. I just, I keep digging myself into a whole.

I try to find an opportunity to get myself out of it, but And opportunities, okay, so what opportunities are you pursuing to get out of this? I've looked at some different ways to get rid of it, like consolidating it, that didn't work out so well. What happened? I don't know if you have it there with you,

but I have a personal loan. Yeah. Yes. That was for clearing out those credit cards. The credit cards that I see right now that are still having balances and accruing interest. And, yeah. Yeah.

So you built them back up. Yep. This is why I just get closer and close. I swear, every day in my life, it just get closer and closer to just like, essentially just like, Dave Ramsey's opinion of never consolidate dead. I still hate that because things should be once,

should not be one size fits all. And there are nuances in life. But I swear every single person that comes on this show and says that they consolidated something. Turns out to be like this. and just build it right back up. Yeah. And that personal loans are accruing interest.

Yeah. And now all the credit cards are accruing interest. Yeah, that was, I thought I could get out of it by doing that, but that's, I just keep on digging myself into, oh, I see the money there and I just gravitate towards it. You also said, and I, let's go back to it, you said you are trying to find ways to dig out of it, right? Mm-hmm. is finding a way to dig out of it spending 12% of your spending going out to eat plus an additional 7%

stepping to gas stations and getting... Is that digging your way out of it? Is that finding a way to dig your way out of it? Those are my vices that I kind of... So are your vices digging out of it or are you just rolling around in the hole? Probably just rolling around in the hole. So be real with me then.

You haven't been. Ben trying to dig out of it. I'm pushing back. I know I'm pushing back pretty hard. We just started. You're a lovely guy. Trust me. It's not just about money.

It's not about just you know you. I'm not just bullying you for being you. But I need to get across that we can't just sit here and research. I'm trying to get my way out of it. I'm trying to find ways to dig myself out of it if your behavior is not connecting to that in any way whatsoever. Yeah. That's, uh, um, as what they say. rolling around like how long have you been in debt two and a half years okay so starting around 21 yeah

what changed to 21 why'd you get into debt um my uh i was trying to help i was living with my sister because she was having um father uh dad baby daddy issues um baby daddy issues okay so you know being the older sister you know try to help her out that doesn't make sense you're just like what okay okay that's because i was never heard oh the older sister that's the one we help out but okay sure but i'm the heart the heart's good so try to help her uh and uh for the span of six to eight months kind of just kept the curing occurring and not you know just putting the minimum in and not really just well how are you helping her out why does that equal debt for you what do you mean why does helping her out equal debt for you what were you doing

recovering like all her expenses no i was you know light bill here uh mainly the light one and then the wifi one and then uh that but those are those are those are so utilities utilities is what led to your financial destruction uh no it doesn't make sense it's that does not make sense okay but you're saying this started by taking care of your sister and then i asked okay so what taking care of your sister put you in the hole you're saying taking care of utilities I had a lot of coffee today. I don't know if you can tell. I'm just, I'm like, lasered in.

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is really not just a set way. It's me being reckless and saying, here, just use the card. Here, just use the card. They're using the card. Yeah. Okay. Well, this is interesting.

So you're using the card now with your brother. Hey, brother. Go buy the toolbox. That's his version of baby daddy. And then we go get sister two years ago with the baby daddy. And we're giving her the card. So we're giving other people credit cards. Well, they're the main one was the,

I think you can see on the file was the Apple Card one. That one, I added them as participants, so they build up their credit on there, even though it's already high in usage. Okay. You came with a girlfriend today. Yeah. Do you give her the card?

No. Okay. So why? What is it? Give your family card. Not girlfriend. Just trying to understand your psychology behind giving this card. So many people for things.

the from that situation it's uh i don't give it just because i just don't want to give another person another card i've stopped the access to the card to my brothers like i cut it off oh they had like literal access like here take this go make a purchase they had access to it yeah they had a digital card on there no to a fit like a sibling that's a terrible idea that's a terrible idea that's a terrible idea. Please do not do that. That's a terrible. Did you offer that out of the gate or was it asked for? I saw that

they could, like being an authorized user could increase their... No, if you ever want to give a gift for them to do something, let them be an authorized user on the cash that you give them in that moment. That's dangerous, dude. Especially

how's their behavior with spending and managing money? There's a small... Mine was, I was the biggest user out of those cards. They were doing like, oh, hey, can I have like 20 bucks in gas? Can I get 20 bucks in gas? How's your boundary with your families? I'm sorry?

How's your boundaries? Not there. Not there. So this family growing up, tight net? Yeah. Yep. Tight net families. Very close.

Okay. Yeah. All right. Give yourself a score. Zero being the worst for your finances. 10 being the best, five being average. Basic, doing okay. Three.

Three. Yeah, bold for someone missing a payment. If you want your Hammer Financial scores, it's free in the description below. Also, be nice to don't give him some love. He had the balls to come on this show. I don't see you applying to be on the show. And only I'm the one who can be Caleb Springer and make a wild thumbnail in title. And beat you around here.

But it's because we're just, I want to make very clear just how bad this is. And you didn't even know you had a missing payment. So it's just like, you need a wake-up call. if anyone needs a wake-up call. My gosh. Missing payment. One missing payment. First thing in front of me.

Okay. So, and that missing payment was a Best Buy card, which has a balance of $9.68.2 on it. $41 fees, because we didn't pay any money. It's a $90 minimum fee, probably not normally that much. That's probably just like with the late fee doing a catch-up. I'm guessing it's about a $45 minimum fee.

I think so, yeah. how do you not have interest interest how do you not have minimum payments set up um so wait a wait a f f f f f fuddy what

it's the second one this year so far and you said you've never had a late payment this is your second year this is your second one this year uh yeah it was twice yeah so you lie to me What do you mean?

You come here, you say you've never had a mispayment, even though I already had an information in front of me and went through your documents and knew that you've had a mispayment. You say you've never had a mispayment. Then I sent it to you and it said, oh, that won. But you've had it twice, twice this year and this year's barely begun. We're still in the first quarter of the year. A couple more days. This is in a frown zone.

I see that and it's the way I try to get out of like seeing those. So, yeah, I see the mispayment. but it's like... No, why'd you lie to me? You knew, and you just admitted that you had missed payments. But you said, I've never had a missed payment.

Why? Well, I thought those weren't, like, gonna be reported wise, so it's like... Doesn't matter if it's on your credit. You've had missed payments. Yeah. Tell me. Buddy, if we don't get down deep in this,

If I don't pull it out of your fucking, like, stomach, man. We're never going to make any progress in your life if we can't get deep down to the core of your issues. And I'm here to dissect every single part of you until we find it out. So tell me, the- Why'd you lie about having miss payments and why the fuck are you not set up on minimum monthlies? Well, like I was mentioned before, I was set up on auto pay. And they were going well for-they-they-we're going well. and then I got stuck

and so I just like no money I literally had $20 in my account okay now why because I've seen your spending that seems more of a behavioral choice yeah the spending okay so that's your responsibility to make sure you have the money in the account when you're making a decent income especially 23 and be able to pay those bills instead of being like

wham I spent all my money on fun let me turn off auto pay that doesn't make any sense does it the way I kind of justified it was I did I forgot when I did these things but I had like extra money and so when I would put the money in the account

So if you have extra money you pay off your debt What are you talking about? No that's why if I had extra money I'd say okay yeah I'm a deposit into the account And then just draft it from the Just take the payment off from there And it'll draw it Okay

and I'm going to ask one more time Why did you not Why did you lie to me about the most payments? Um, uh, I did you not know about them? Uh, well,

it said, it said late fees. So I was like, okay, I was like a day or two off. So I was like, uh, that shouldn't really matter.

Cause it's still, you know, some missed payment. Okay. Okay. Okay. Okay. All righty.

Well, long as we at least have learned that, hey, buddy, make your payments. That'll be progress in my book. yeah that would be a good choice to do yes oh f f f f fink of america dude seeing someone with four thousand dollars of credit card debt as such a young age because i'm getting old it's just like sad eighty five dollars of interest accruing there's still purchases twenty dollars it's not crazy but why would we be putting money on a card that we're only paying the minimum monthly payments towards that is accruing so much interest

Yeah, that one's the one. That's like my least favorite thing ever. So why'd you put more money on it? I know it was minimal, but still. Cess. Oh, again, I had like, like, I have literally no money. Which is a choice. There's the spending categories.

Take a look at it. You chose to not have money. You spent your money on you both. Yeah. So you delay your financial future? I'm trying not to. That's what I'm trying to avoid, but I guess it's just my habit of just keep on going on trying.

You're not trying not to. That's not trying. Do you know what the word trying means? Trying is trying. You're not trying. You're not trying. Trying when they indicate behavior and proof behind it. Not trying.

How are you trying? I want you to be able to speak on that. I know I'm interjecting. This year, just recently I just started. So I got desperate. So there's a which I'm using to try to kind of boost on paying stuff off. I'm donating plasma. Oh, okay.

Yeah, and I do, since elections are coming up, I'm working as a county judge. They pay like pretty decent for a day. How much you making on average on a monthly basis from either of these? Both of them combined preferably? The ones that I just did one back in. March. No, no, no, sorry. It was uh, yeah, March 6. So a couple weeks ago, yeah. Okay. I did the, uh, it was the joint election

for the, uh, to put them on the ballot. And so I worked as a judge. How often can you do this? It's only during election year. During the rest of this year, how frequently can you do whatever this is? Like three, four more, like three times. Okay. So look at the plasma then. Tell me about that. Uh, So they had a promo going on, which is, which I'm still going through, which is you get $800 for coming for eight visits. So they split it across a visit. $100 a visit, wow.

Yeah. But you know this isn't an income issue. This is your being a d***ing issue with your spending. I see that. Yeah, that's, I mean, I try to justify it by saying, I mean, I'll get more money later, but no. There's no justifying. That's gross.

$20 from 7.11. I'm guessing that's gas. Yeah. Best buy. Looks like it's in an interest fair period. When does that end? Do you know? Well, there's three things on there.

I think two things on there. Oh, 5.0% finance? Okay. Yeah, that was one of them is my, because I was still in college and my MacBook was dying. I had like a 2015 MacBook Pro, which was dying on me. And I bought, they had a really good deal going on with the, the, the, the 15,000. inch the new MacBook Air. I got it for like 800, 900 bucks.

And September. This year? Yeah. Okay, so you got the M2 MacBook Air. It was 900 bucks, so you got the base model. Really, those computers are actually pretty okay, but you kind of have to get the upgraded options because you have like a gig's a RAM man.

That's like, you can't really do. You can open like five Chromebooks or five Chrome tabs with that and your computer starts freaking out. I wouldn't spend almost a thousand dollars on that. the MacBook's only become worth it when you can really utilize the chip set. But you can't even utilize the fucking computer in general unless you get more than 8 gigs of RAM. So I would have rather you got like $900 on a Windows machine at that point. And I'm not like Windows is better than Apple.

Apple is better than Windows. But for that price tag, you could have gotten more. Okay. Well, that's a rabbit hole. And we all work on MacBooks here at the office. But, you know, when I went and purchased them, Those who use MacBook Airs in the producer setting, they got the upgraded options. Yeah.

I was thinking about it. Plus on yours, you can only have one external display anyway. You can't use two. I don't know that. No, I'm not turning the MKBHD over here. FKBHT. So what do you even use is MacBook Pro? Other than...

You can't even do in Texas anymore. I heard about that. Yeah, you heard about it? It was a top headline. heard about it. It was like, you know how. Yeah, that was the, that, that, you know, the headline was what you saw on your Chrome.

Mm-hmm. Uh-huh. So, are the answers free all throughout until the end of their scheduled payments? Or are the minimum of the payments a little less than what it would need to be to pay them off? No. Because you're getting deferred interest in the moment you don't pay it out. The deferred interest is going to come and bite you.

So for the MacBook, that's, that ends in October. They gave me, I think, That's 18 months. That period, but the payments end in October. Yeah. So I figured it out to equal out like 150, 200 bucks a month. But you're not paying that. No.

You're not paying that. You're not paying that. Yeah? Across the board, though. That's for three things. So we're going to have all this back interest hit you. Oh, thank you. It was okay.

Oh, no, there it is. $362. of back interest on one, one of them. The other one, 153, the other one, 45 because it just started. That's going to fuck you, man. Yeah. That's going to, like, all these together, it's going to almost double the balance. Yeah, it is.

That is not a joke. I'm going to put a, like, super extra star next to that. We've got to attack that at the end of this. Apple card. Speaking of Apple, that one's the worst. Whoa. Out of all of them, It's not the worst, but the one is the one I heavily use.

Why? So, I mean, there was a period where I didn't use it. 1% cash back on most things, 1.5? If it's Apple Pay, it's to like 3% on Apple Pay. For everything Apple Pay or only Apple Products? So I think it's, it's according to what it says on there, it says 3% on, if you use Apple Pay at checkout, not, if you use the physical card is 1%. That's interesting. I try to get people to convert.

Okay, $70 minimum fee payment. $1,880.73 is the balance. This wasn't where I really saw much spending. Paying some bills. There it is. Some Apple subscription. Five bucks. I think that's the ICloud.

I get extra storage. How much interest is occurring on here? Because I think it's 24, 26. I think that's the highest ones there go. So instead of paying that back, we get, we go to it. Okay. Interesting. Okay, we do have a couple of debts,

but this is like the credit union of Texas combined statement. So we're actually going to go through the checking first. Just to keep things organized. Now, we could pay off debt. That'd be great. But I said, Sonic. Uber Eats, Sonic, Waterburger, Dominoes, Tequitos, Best Buy, Zelling out money, Zelling out money, Clarnie.

Clarnia? Your clarane. Why are you clarnane? Uh, I don't know if you can afford to buy anything anyway, but it does. Uh, restaurant, NTTA online. Hot tolls. What is that? NTTTTA.

N. Yeah, yeah, that's my toll tag. Okay. Yeah, don't take tolls. You can not take tolls in Texas. I can't speak for everywhere, but in Texas, they're more of a convenience. Yeah, I work by the 635.

I don't know if you're familiar with 635. Not specifically. It's one of the worst trafficked areas. It's about an hour and 15 minutes to get home. Buddy, this hits your account constantly. And you just don't have money. You should be paying off debt. This is like, it's like,

an extra 20, 50 bucks a week. That is just slamming you. Zellin out money. Zelling out money. Amazon. Oh, there's another 40 from Tolls. Wingstop. Another 40 from Tolls.

Buddy, that's insane. It's like close to 100 a week. Uber, Uber 1, Dominoes, Texas light on barbers. Well, haircuts are okay. Some boots and wing stop. Tequitos car wash. It's Texas, buddy.

It's not winter. We're not getting the shit that comes in the, and like hits the bottom of our car, all the salt. Waterburger. We're cloning. Uber eats. And then that takes us to the car,

which is a 2017 Chevrolet Silverado 1500 ID. It's at 5% which is not the worst. Taking a depreciation and everything is probably closer to 7, 8%. in general if we look at it but a payment of 507 10 that's your minimum

507 that's my monthly payment okay stack that with all the minimums of payments we've talked about so far pretty rough in the overall balance on that 23,000 $721.92 cents yeah yeah now here's the fun one

here's the fun one this is our debt consolidation yeah our debt consolidation at a super duper fun 17.25%. Yeah, that one was not fun to get. No. Didn't even see this going through your documents. Didn't even see this. Are you f***ing me?

Are you fucking me? Are you sitting here to f*** me? Does that what is happening right now? Uh... This isn't Buhn'Hub on your browser. That's not what's happening right now. But you are f***ing me. A payment of a hundred

$181.95. Is past due. Yet we saw the spending on this statement, and we have more statements to see the spending on, but is past due. You spent out to eat $760, but a payment of $181 is past due. What are you doing?

For those, I'm doing the grace periods because they got a 10-day grace period. Why? You don't have to. You make decent money for some of your age. You are close to the median national average salary in your 23. If this is what you're doing with the median national salary at 23, I'm scared to see what you'll be doing at $100,000 a year. Yeah.

Your debt's going to be immense right now. You're in 10,000 dollars of high interest debt. What's it going to be then? 20, 30, 40? You're just going to continue? You're missing your paint. Yeah, those I'm not proud of. Three, that's three late payments that I've been able to put my eyes on.

I bet if we had these statements go back even further, what else would I see? You're doing this yourself. Yeah. Yeah. You're spending, man. This is a choice. It's at $6,930.86 at that insane. sanity, 18% interest rate, I think.

17.25. What's the minimum fee payment on that? The one you said 180, 189 something. Grace period. Why are you using the grace period? What in your mind and behavior and thought process? Are you doing like,

I'm going to use the grace period every month? Why? What's your why? the if I if I took it if I took the payment I'd be like $10 so I just try to have every month that happens at the exact same time you'll have $10 no

it was just certain months where I Why are you spending the money Why are you spending all that money going out to eat girlfriend spoiler this dude is not spending any more fucking money going out to eat so if you guys are going on dates you're paying dude can't pay his car payment Sorry, I'm not angry at you.

That one. Why are you spending money going out to eat if you can't pay your bills? I get desperate. Desperate? Well, that's what? Not desperate, but, um, I don't, I just, I like food. I like to eat, like I like to eat. Congratulations.

Okay. Do you like being in debt? You said you wanted to make progress. It's clear only your choices are preventing us from making progress. Yeah. How? I don't know, man. You find that going out to eat is more important than bills.

Correct. Correct? Your behavior is showing that. Acknowledge it. Is that correct? Mostly, yeah. Okay. Next statement, $144 in it.

Here we go. Pizza. Some hotel. Burger King Sonic Sonic at least eat food That tastes like food

My goodness Sonic What is the savers Cost Plus Oh that's Cost Plus is a A supermarket chain And then the savers cost plus

Is like the sister of it You're going and getting like $5 so you're going and getting like a snack Or something No it's Come on It's like Toilet paper

Like I get like occasionally like wish i could see are you purchasing it in an app by chance no paypal sonic tequitos jack in the box tequitos donuts tequitos dcccettos dcccdde connect oh uh i hope my girlfriend pay for her classes how how you can't pay your car payment how are you helping her pay for her classes um you can't pay your car payment this is as much as this was almost as much as your car payment or that personal loan payments are yeah why why why are you helping you can't pay your bills again the heart love it but you can't pay your bills why are you helping tell me answer the question so the way i have it set up is i think you see i have three bank accounts so i have that chase one

uh i get a hundred dollars and i put it towards there to help her pay for it what but you're spending so much here it's not just for that That's me. If we have extra money in there, we go out to you. Extra money, you don't have extra money. If you have extra money, you're paying your bills. What do you mean extra money? There's no extra money.

What are you talking about, man? Well, in my eyes, I kind of take it as extra money. But it's not. See it differently. I'm seeing the numbers add up like math, like first grade math. The math is you had extra money. you put that towards the bill you're choosing not to pay because you're like oh I have $10 in there

no you don't you got to fuck Sonic every second of your life and Zelen I'm money more Sonic jack in the box Jeffrey Star I got some Jeffrey Star stuff I think he's okay on his money I don't think he needs anymore maybe pay your bills That's a good plan I'm sure you look great glammed up

But we don't need that before paying bills buddy Buddy you can afford I love the heart you cannot afford to help was school. I'm just trying to put her name to something. You're helping everyone else except for your own your own future. Another banking account, 44 bucks and oh my gosh. I just all the lines that I highlighted earlier keeps going man. Sorry that uh, don't apologize to me. apologize to yourself. Apologize to your future self. You're f***ing yourself.

Yeah. That kind of hit hard a little bit. Huh? That hit hard a little bit. Good. It's the the purpose. Now you get it. Amazon, Amazon, McDonald's, Little Caesars, Tequitos, Aldi Story, McDonald's. Val-A. Paying for valet? You don't pay for valet when you can't pay your bills. Free play arcade. Yeah, it's real free. Tequitos. Carquest? What is that? Uh, parking. No, going out to eat. Uh, f-kitos. Burger Kame. tequitos going out to eat the reserve key uh key week peak food oh there's your little going in getting something

and little Caesars cash apping out money tequitos McDonald's Mexican food tequitos crepes Fangscha Waterburger and apple some other page of this buddy

This is all behavior and you, you're not trying to dig yourself out of a whole. That was the biggest lie I've heard today. You're not trying. This does not indicate trying. Do you know what the word trying means? Actually, trying or making an effort? Yes.

Sonic, Apple, Al Rancho. Klarna-in Amazon, fuck me. More Klarna. Subway. Tequitos, Tequitos, Tequitos, Tequitos, Klarna-in Bahama Bucs. Door dash, dash, pass, that's what we need when we're in debt, and we can't even pay bills.

AMC, at least go to a real movie theater. My goodness, you live in a city, a civilization, Apple Bill, Waterberger, Tequitos, DPS. Is that $37? Mm-hmm. Oh, uh, I, and I renewed my security license. Security license. Yeah, I'm a private, I have a private security license. What are you going to do?

Uh, I used to, for a small bit, for like a month or two, I worked for, uh, what? Who's that? they're the ones that Guard people? No, no, no. Securitas. There were a security company for like,

they're a private security company that companies offer. What are you, a twig? Who are you protecting? They hired me. They did. I don't think I want to hire their company. Tequitos.

Lots, there's more tolls, tolls, $40, $10. Bath and body works. At least we're smelling good while we're going out and not protecting anyone. and tequitos oh my gosh

it continues forever and ever and ever tequitos apple boys water boy so you look like a water boy Paramount plus there's nothing on there anyway Raising Cains Clorna

Coca Cola Coca Cola Restaurant Cash app there's the Cash Saver thing again and Southwestern UT Southwestern U.Southwestern Oh, parking They They're

They, they, they, You have to pay for parking There's no There's no way around it Brom store cash app More tolls Clarning in an Airbnb F*** my life

McDonald's You know nothing but just debt That's all you know Ticitos McDonald's Snow cones, great And you do have 401ks But I, you've mentioned Like a couple of career things at this point

What the fuck you even trying to do. You're like all over the place. It's Wednesday. You need a free $20. Usually you get $5 for signing up for acorns, but using my link in the description below, you get a free $20. There's no strings attached. Make your Wednesday better by getting a free $20 for signing up for an amazing platform in the link in the description below. That's, um, I have a curious mind to try to learn as much as I can. Um, primarily I was, because, well, it's my parents. Can you learn how to get out of debt first before you brown

yeah that'd probably be a good idea to do first yeah sorry continue I was being a little um well my parents always told me you know do a lot of stuff you know do this do that do this do that not do a lot of stuff very specific okay

from what I mean by do a lot of stuff is have a lot of um gateways to so if something doesn't work or you or I let's say I crap out of it you know because in the beginning when I was in high school I did I wanted to be a diesel tech to work on the 18

wheelers okay very far from that yeah I'll explain um yeah the I lost interest junior year and I figured out could get out of doing that school or college sorry uh I mean I just I have a associate associate year so I'm no no at that junior year of what oh junior of high school okay so you know they were like oh you know you can choose a different practice and then my junior year I got into photography, and that's when I started doing that. So that's where I got my associates in, in arts and photography.

Useful degree. All right. Next. You're not doing that. No. It's still in the arts industry, if you would call it, the production side. So I sell the equipment.

Then, you know, we go to these trade shows and all this stuff to learn about the equipment, but essentially I'm a salesperson now. Normally I'm willing to gift someone a course career certification when you come on the show, but I don't even want to do that for you because you don't need any more rabbit holes to go down career rise. You have an EMT certification, correct? Just a certification.

I tried doing the test. I failed it. It's hard. That just is hard. So if you manage to actually stop someone in security, if you hurt them, you're not going to be able to help them. I know the basic. Anything else you're pursuing education-wise, job-wise? job wise no

but job wise I'm also you're going to get a kick out of this one I'm also getting a real estate license why that's so far from everything you're doing why especially in harder markets like this it's so competitive now you gotta be at the top of your game

you don't have time why I kind of took interest in it and I had a one of the so the company I work for we do like pyro so we have chance to go out there. The technician's wife is a real estate agent and I was talking to her and she, you know, we got, she was able to help me with like, um, like knowing about the,

about like the real estate and housing. Does she do it as her full-time job? Yeah, she does it as a full-time job. Are you going to? Uh, it, I plan to. Oh, I'm like, uh, oh, so we're not even going to have income coming. Okay. Sorry, go ahead. Say your peace. Full time is like the future like like you know eventually but she said that she can I can be her assistant and she can get me part of her commissions.

My producer told me I'm being a shit you. Which is fair. I know I'm being pretty hard this episode but it's just like I haven't. It's just like you lied about your situation and everything's all over the place and it's just like now you want to go into real estate. I'm just like there's nothing irradiating of any positivity right now and I'm just like Yeah, it's, I'm very all over the place. I can't sit still and find one thing to do.

Yeah, well, that's not going to help your future. What do you want to do? Tell me what you want to do. In the beginning, it was photography, but... No, no, no, no. Tell me what you want to do right now. Like job-wise? Career, sure, yes.

Career? Well, I kind of took a liking of this. the what I'm doing right now so I plan to grow within my own company so why this real estate thing side thing okay no just don't just don't I'm gonna be honest just don't I I'm all about real estate love it I do real estate myself but don't and don't do it as a side thing right now I'll just be honest I'm just gonna lay it out don't the why because you're not gonna have enough time to fully dedicate it to yourself which is what you need to do in this market Again, if you wanted to go full-time, that's your passion, sure, but just don't.

You're getting distracted on these extra things, the EMT thing, the security guard thing. And you get distracted on, you're not satisfied. And you need to find different ways to be satisfied. Yeah. Counseling, hobbies with the girlfriend, you know, there's lots of things we can do in life that bring satisfaction. You mentioned it yourself. You just don't like sitting still. you're always on the move.

You're just ready to do something, ready to do something. That's awesome. I think the thing that needs to be your something right now, get out of debt quicker. Let this be your passion. Get this to be your passion. And that's what this conversation is hopefully able to do is light a fire and your let you at least know how bad your situation is, how bad your badger spending is, so that you can do what is necessary for this to be your passion.

And then you're able to go as hard as you need to to get out of this. Yeah. But if you're not, you know, if this isn't your passion, if you're not passionate about getting out of debt, you're not going to get out of debt. Because it's a comfortable lifestyle to just put your head in the ground. And you're just ignorant of the whole world in your situation, which is totally normal. That's much more comfortable than being uncomfortable about your debt, putting yourself in uncomfortable positions where you're working your ass off and cutting back on the things that you're used to. That's uncomfortable. Yeah.

But if you're willing to be passionate about getting. out of debt in actually improving your future instead of these temporary little wins through trying to achieve this new little thing that you got interested in and learned about. This is what's actually going to matter in the end. Let this be what's passionate in your life.

Let what's being passionate is growing your retirement. 2,241. I'm happy to see that at 23. It shows that there are qualities to you that has discipline behind it that you're able to like put into action. And you're in a 2060 target retirement fund.

Love that across your two different accounts. We have also 245 over here. That was a that one, that one was a rollover that I turned into a Roth. Okay. IRA. Because I'm very on that side, like investment side. I am very clueless. I know very little.

And I don't want to like. But guess what? You're actually doing it right. You got a target index. retirement fund fantastic for someone that knows nothing about finances it's great you made the right choice yeah and i want to add to that i absolutely eventually why eventually um because your debt or something yeah because of my debt like you said if i want to make that my you know what i want to focus on i mean i i could you know i i i just don't know how to add into it with what i got going on

okay yeah i mean debt will come first and then i would love you to max this out right now the max the 7 000 a year for this this upcoming year and i'd love to see you max it out and are you taking your match over your 401k at work uh the yeah so they do uh i forget where i'm at i think it increases a percent a year um which i'm going to keep it what are you at 3 percent and you're matched up to uh 6 percent okay i i would just switch to 6 percent okay i would just switch to 6 percent now. It's literally 100% return on your investment because it's free money and no interest rate is beating that. And in order to maintain your strong income is this career path that you're in, this company that you're in is where you see yourself in the next five years? There's some internal things going on that are making me question it.

Oh, I thought we're getting into somewhere. Okay. So, I'm kind of calling them out here, but it's okay. It's okay. You're using a thing. name and like that stuff. They actually, so the company I work for has all these plans. So we got bought out. So the company I work for got bought out by this company that owns other production companies, one in Orlando, Florida, California, and Georgia. And they just acquired us just a year and a half.

So I got in during the acquirement. So for a little, I was. still with the name of the company I was with and then it changed into oh we're now we're the same company but under the subdivision of this company okay and their their plans are like I mentioned earlier to include a commission-based thing but that's just another thing on their list is what they call it so you don't know if you see yourself there in five years no it's it's good for now for what would you go what would you do uh I mean my first year alone I made half a million in sales so but that's different in sales probably

market that in your resume to try to go get a different job in sales yeah it's not a bad answer it's a good answer i love sales that was my first like career position funny thing is i hate anything sales based i always told myself you know how many calls i get from primarica come so life insurance come so life insurance da da da da da i was like hmm okay if you don't like it then is that you're going to be doing you'll burn out and you'll just fall out of the career yeah but i like the so the reason i got into this was because of the background so i used to do like the theater theatrical theater theatrical lighting all this kind of stuff so i knew a little bit of the area yeah so i was like let me take a crack at it i knew a little bit and i built up on it um and and you i like it so i

kind of want to stay there's other now that i've worked there there's other production companies that are known. And not only in Texas, but in other places, but, you know, other places could mean that I have to leave. But that's, that's completely out of the question. It's a hard conversation with the career aspect because we don't know what you want to do and where you want to be and what things are going to look like. So we'll just do your budget based on today.

For your current spending your debt payments was 19.4% or $1,244.603 net. 2% went to housing. What does it put as housing? Well, they may have been like Zell type stuff, so we wouldn't have known for sure. What's your rent? I don't pay rent. Oh, well, that's why. I'm surprised.

Yeah. Okay. I'll take a look at what that was. 8.3% went to your phone bill. 533. What the f-switch the helium, dude, 20 bucks a month. We share one. Who's we?

My family, so we all pay our part. So my part It comes out of your bill No they send They send me their part And it comes out Out of my account It was a little risky

Especially with Okay 1,789 50 cents Or 27.9% Went to transportation 1.9% went to necessary food groceries

1.9% Where 11.8% Or $759.12 went to Go and out to eat 1.1.9% Went to unknown shopping That's typically Amazon's Walmart

Things we can't tell what it is probably bullshit in your case. 1.3 went to medical or healthcare. 0.4% went to subscriptions. $425.87 or 6.6% is spending with the miscellaneous bull. Stopping at the gas station, get into bulls.

You do constantly extra. Other large purchases, $18.3. $1,173.1.1.81. Internet. Yeah. That one is also, it's like what, $1.25?

Yeah, it was. Yeah, that one. So you pay that? That's your rent. That's shared between my brother, so half and half. So it's like 60 bucks. Okay. So they send it to you?

Yeah. ATM withdraws $210. These are in the large purchases. Private security $37. That was you getting re-certified, right? Mm-hmm. Yeah. Waterboy.

CU of Texas transfer $572 to $93. Hotel, Dallas College. We know where that's going. And Opportunity Inc. What's that? Opportunity Inc. Oh, do you mind if I see that? Oh, yeah.

Also, you told us you wanted to pay your debt off by the end of the year. I don't know. What the fuck I'm thinking. Now with your spending habits, you're missing three payments in what we have out of the few debts. So what was your mind behind that? How did you tell us you wanted to pay this off by the end of the year? Like, that blows me away after going through all this. It's a lot.

And it's a big... So how in your mind were you? you going to though? I was um, uh, like the beginning of the year, I think January, I kind of took a look at everything, like how you are now, but not that into detail. But, um, I fell off a bit off of it, but I want to jump back on and, oh, geez. And like, just fix it. A couple months ago and you fell off immediately. So if we get Gianni, you're going to fall off in a month? I don't, I don't want to I don't want to. I'm not going to.

I'm not going to because I don't want to promise you. Tell yourself. Tell yourself. Promise yourself. Yeah. We're going to send you through our budgeting program. It'll help you. There's lots of education and everything in there that helps you stick to a budget,

not just build, but stick to a budget. It actually keep you motivated and you have access to that for everyone. We're continuing to build on it. So go through that program. So 125 divided by two. So $62.50. That's what you brought for your rent. rent uh that and groceries my dad pays for but that's like uh he has no way of sending he has

that small bank from like walmart uh the united bank that he uses um so he can't like receive or send money through zelle or anything like that i give him 50 bucks for groceries okay and that's every two weeks okay and that's how much for gas driving room vroom skirt skirt i think average i fill up like once every five days. How much? Well, I think it's $60 a tank right now with the way prices are going. Sounds like you fill up twice five times a month. Yeah.

So every five days, that's a lot. You drive a lot. Yeah, $300. What's your car insurance? Do you pay for it? Yes. How much? That one is, that one's conjoined because we get a discount on it.

What is your portion of car insurance? $230. Okay. Pay 50 to food. I'm going to give you an extra $100. This is your TP fund. Anything else you need to survive in life. Do you have a gym?

Yes, but I'm going to cancel it. Why? So the thing is, is you have to go like three times. Are you going to switch to another gym? Yeah. Okay.

How much should we budget for? I'm going to go to fitness. I think they do like $10 a month. Any other medical things on an ongoing basis, on a monthly basis. Prescriptions, therapy, that kind of crap. No, surprisingly, and I got lucky. Okay, so $10 a month for Jim.

That's it. Cool. Subscriptions. Cancelled. Buddy, it's your debt minimum of payments. Your actual needs are so small. You've just ruined it. You've ruined it with your stupid debt.

And you're going to stop clarneting and going into debt for every single little purchase that has ever existed in the world. But you finance everything. stop debt minimum monthly payments oh what's your portion to the phone bill 120 no 150

your portion so 120 120? me switch to healing him immediately your phone's finance isn't it yeah kill me

your debt minimum monthly payments total $964 and 10 cents anything else we have not accounted for that is in your budget that needs to be in your budget as far as I know no no You have no reason to be in debt.

This is a joke. Not only that, not only that. Not only that. But with $1,836.60 needed to live on a monthly basis, there is no excuse. No reason in this world that you are possibly missing any payments. That's a joke. And it's legitimately upsetting to me. $3,010 comes in on a $1.10 comes in on a,

monthly basis, $1,836 is necessary to live on a minimum monthly basis for you. You have an extra. You have a surplus of $1,174 a month. That is insane. And that's just irresponsible bad behavior. Yeah. Seeing it all. Yeah. I don't even know that's how much I had left over. Y'all, this is the time to switch to my favorite high-yield savings account. With SoFi, you can get 4.6. on your money. I hate when my money is just losing value, so make sure you're keeping up with inflation at the very least. You can also get FDIC insurance on that money up to $2 million with them. Plus, they'll give you money up to $300 when you set up in account with them. There's even extra perks like being able to get paid a couple days early. So far is what I use when I'm

setting money aside, and it is the banking app of the future. Sign up, link in the description below. I always want my money to be making more money, so don't lose money on yours. Here's the amount that you've spent on these different restaurants in just this last month. Sheesh. Yeah. That's a lot. You have nothing on savings. Correct?

Building it, but... What do you have in savings? Like $300. Okay. Well, that's a start. First month, 1,174, and a saving plus that $300. I'm also a one-month emergency fund.

Let's call it that. Second month, pay off Home Depot. Okay. Now after that, we're going to attack. In the third month, we're going to start attacking Best Buy because it's going to hit us and a crew. That's going to take one and a half months to pay off.

That was month number three. So, I don't know, halfway through month number four, halfway through month number four, we throw some stuff at the Apple Card. And then the next month, month number five, we fully pay off the Apple Card. Month number six, seven, eight and a half, Bank of America paid off. monthly payments are now starting to disappear. Eight and a half months in. It's great. We have an extra 1,300 probably left on a monthly basis.

Personal loan. It's going to take an additional five months. Let's round it up. Let's call it. 14 months total. Year and two months. Car, minimum of these payments,

so at that point we're going to save up for a fully funded emergency fund, which is going to be $10,000 in your case because that's going to be larger than what it takes for you to live for six months. We already have, so we need to save up an additional essentially another $8,500, $8,500, $8,700. Okay, cool. Sorry, $8,600. $8,600. Okay, cool.

Divide that by now, the additional $1,400 you have left over on a monthly basis. It's going to take six months. So this is a year and eight months. A year in eight months, you are bad debt free. You have a fully funded emergency fund. You're halfway through 24 at that point. That's incredible. 24, 25.

That's incredible. That's incredible. That's nothing. All the mistakes, all the stupidity, all the bad things you've done in your life is corrected in under two years. That is a blessing of a lifetime that you do not have to live the rest of your life. F up financially. And you get to do that in less than two years, which is a blessing of a lifetime. So if you don't do it, if you don't do it, I'm going to have a hard time ever feeling bad for you.

If you don't do it, take the blessing that, many people would beg to have on the show, beg to be able to get out of their bad day, have a fully funded emergency fund in a year and eight months. That's incredible. That's insane. That's amazing. Do it.

Will you do it? Yeah. That was not confident. Fuck me. I will. No. I cut your spending out going out to eat zero. Yeah.

I'm going to do it. Really? I'm going to do it. Okay. As they say, as my mom says, there's food at home. Yeah. You literally pay into it. Yeah.

So there is food and home. Is it as good? No. Is it as fun? No, not at all. I'm sorry, you're not paying for her school anymore either. I'm sorry. It just doesn't happen.

You can't. You got to. You're not married. You got to take care of your future, man. You've put yourself in such a bad hole. You're missing three payments. It's done. you've like you've thrown your life away already,

but you don't have to because you can fix this in a year and eight months. Yeah. So what's the point, you know? May as well do it. Under two years, your life has changed. 20% into retirement at that point you're retiring a multimillionaire. It's incredible. The opportunities that are ahead of you are incredible.

And I'm glad we're able to stop this at 23. But now it's the behavior and actions that you put behind this after this conversation. Sure, we connect you with resources. Sir, we'll get you set up and all the favorite things. Like once you're ready to invest, I'll get you set up on moo-moo and it'll be great. And there's so many things that are exciting that are ahead of you. But from here, when you leave the store, it's all behavior and your choices. Yeah.

What would you, what do you want to, so these opportunities that I take, you know, do the, get the extra, so like working for the Dallas County elections. Yeah. Sure. Any extra income is awesome. Any extra income is awesome. So anything and everything you get. throw it at the mission at the time.

And what we did was we didn't do smallest to largest. We attacked the very, the much smaller Home Depot loan after the one month emergency fund. And then we attacked the best buy card so that we could kill it before the, it doubles the balance by all that back interest accruing. And then we did smallest to largest from there and we left the car minimum with the payment. Then we took care of the rest of the six month emergency fund. Okay. Which was 10,000 hours in your case.

And then when you're thinking about your future, you need to decide what you want to do. If you're staying at this company, if you're stitching careers, you need to figure out what you want to do. you dedicate your life to something. Yeah. You can change. Yes, you can change things. You can find new passions, but you're just flip-flopping.

You're trying new things because you don't feel satisfied. Right now, this needs to be your passion. Stick to this job. Yes, if you can get commissioned, that's incredible. Prove yourself to the company. And if you don't get anything, then switch to another sales position, potentially. But that is an other, like, potential red flag

in this conversation and in this future. Sure, of the next two years, You get to change your life around, but are you going to stay at this job or you're not going to jump into something else, try to do real estate and throw money into that and not make anything? Like, I don't know.

You need to commit to this, be passionate about this. You need to commit to a career, be passionate about it. Not saying go get any career, do something you hate, no. But when you have a six-month emergency fund and no bad debt,

you have so much more flexibility to be able to do what you want to do, even if it makes less money. Yeah. Earlier, about a year ago, I was actually considered getting another job to try to get it. Oh, okay.

Try to throw at it. If you can, that's awesome. Yeah. So we're very close with our clients. So most of our clients are venues. Sure. And so not practical, but with the private security license, I was thinking, hey, like, you know, hit up, you know, House of Blues.

Say, hey, like, do you need, like, a security personnel for, like, concerts? It's like, well, what's going on? Because they need more security people. I have the license for it. And I don't know what the income level is for that job, but I was thinking of doing that, like... Stand up? Okay.

Are you willing to be on mic off camera? The girlfriend of Mr. David, thank you for being willing to talk on Mike for a second. So there were a lot of hard parts of this conversation. One of the main hard parts is that, He can, he's just simply, if in order for his future to get out of debt in order to fully commit, he might not be able to send that $150 a month to your school. What do you think about that?

The truth is he doesn't pay for my school. Well, in the beginning I did. But now her aunt pays for it. She sends me the $150 to the card, the chase card, and I pay it off. That's why it's on his card. So like my aunt is the one. How did you tell me you were paying for it? In the beginning I was.

That's not what you said. Multiple things in this conversation, buddy. You're like, dude, this isn't a thing. And then it was a thing. Yeah, it was. Okay, so there's no issue with him not paying for it because he's not going to, right? Yeah. Okay.

Now, he hope, how long have you guys been dating? A year and a half. Okay. Are you going to be okay with him not taking you out on these lovely little paid-for dates? Well, the funny thing is, we also don't go on dates. I sacrificed all of that in order for him to pay off his debt. And like when he goes to like lunch for like work,

I offer to make him lunch when he doesn't have groceries at home and he doesn't accept it. So I try to help when I can. What is this creature in front of me? What is happening here? What do you think about his spending habits and his, I'm going to get out of debt, dig myself out of this hole, get out of here by a year, not a year. And then his actions. What do you think about his actions? I mean, I know there was a potential talk of marriage and stuff that we talked about pre-show.

Would you feel comfortable marrying someone who cannot manage his finances to save his life, like literally to save his life? Because he is not making his minimum payments. So I recently found out about the debt. When we started dating, I had no idea that he was in debt. So like a few months ago, he finally told me. And when I was working, I told him I could have helped him because I don't have any bills to pay. I don't want you to have him. I told her no. I told her no.

That I told her no. I don't. It's the one thing I agree with David on. He is correct. He needs to get out of this. You guys are not married. And he needs to be responsible and change his discipline because you could help him get out of debt and he'll get right back in it. He needs to change his behavior.

He needs to be disciplined. And he needs to grow the for the first time in his life. Did you know he spends $759 a month on fast food? not that much but he does tend to eat out a lot like before he did but now like i've been on like on his to like make lunch at home because it's like a waste of money going to lunch every single day i work okay okay i need you to continue being on his ass i'm not talking about pegging i need you i need i need uh i might one request for you is to seriously hold him accountable.

As much as you guys are willing to in your relationship in a healthy way, if you're willing to share your finances and show your progress and allow her to be the person that holds you accountable because sometimes that's what we need is an accountability buddy. Maybe there's something that you're doing in life, not financial related, that's not as great and that he can equally hold you accountable on. You know, find a good balance, whatever's healthy for your relationship. But did you know also that just the lack of boundaries

and everything with his family, that is just allowing himself to go further into debt based on his family. Yeah, and we have a lot of arguments about that because he's very defensive about his family, but I tell him that it's an issue because he's going in debt for them instead of like trying to have a future for himself.

I would like her to hold you accountable as much as you guys can. She does. And I, well, then you need to be open and accept things. Yeah. The talks that she's mentioned that we've had a few months ago and leading up to now has been a lot of open honesty. I've like opened up a lot about it. What do you guys argue about with the family stuff?

I feel like it has to be just so reasonable. Just don't. Put up the barriers. What's the argument? I guess how often I'm with, like, the way I like I drop things for my family. Like, you know, I do, like, the way I do anything for my family, like, regardless of what's going on. And girlfriend? It's more of, like, he doesn't set boundaries, like, have you have seen?

Like, the Best Buy stuff, it's mostly his mom's stuff. Like, the MacBook is his, but, like, I think she has, like, appliances on the car that he pays or, like, asked. No, she's, my mom paid that off. So the, the... It's still so. so risky. They are adults. They are adults. Don't enable whatever behavior they are doing. So, uh, the, the only like caveat around that is that my mom is also not from here. She's, she's not legally from here. I mean, that has to be very dangerous. Yeah. How are you guys navigating?

Uh, well, with what's been going on lately. Yeah, she was, she was hesitant to come with me today. Okay. So, and with my mom, uh, how are you guys? Uh, well, with what's been going on lately. Uh, well, she was, she was hesitant to come with me today. So, so, and with my mom, She just recently had my brother. So she just got back to working again. She cleans houses. I know there's a new law in Texas. Yeah. Deporting people who are here illegally.

It's currently on pause in a lower court. That's the only reason why she was comfortable to coming here because it was paused. It's on pause. Okay. All right. I need you guys to hold each other accountable. I don't want arguments. Be open-minded.

Listen. And hold his. accountable to his spending because if you guys are getting married, he's putting your future not only delayed but at risk. It's putting your future finances at risk and it's as bad. And if he's going into a marriage with you and his, his behavior around finances are so going to drag you down and that is not fair to her. I don't want to do. I told her I don't want to do that. And you wanted to be out of debt, but you've done nothing to do that. So I need your behavior to change now. I need you to be an adult and I want you to actually listen to her

when she's trying to hold you accountable. Yeah. Thanks sure to stick around for post show, everyone. We're going to have some fun conversations there. But let's get your hammer financial score. Spending a budget. That was absolutely ridiculous. But I am glad to see some money with the debt, but we are missing payments on debt. So, nah. Spending in a budget, two out of ten. Debt, because you're missing payments, one out of ten. It would be higher because it's not like the worst debt in the world. Emergency fund. Just started. I'll give you one in ten. Retirement for your age. I'm happy to see it get started. A little behind, but, you know, if we're thinking about college,

and everything, I'm actually going to put you an average 5 out of 10. Real estate, zero out of 10 and don't get into real estate. Hammer Financial Score, ladies and gentlemen of Mr. David, 2 out of 10. Make sure to check out all the resources. Linked in the description below is they are what I use or would use in specific situations, including the best budgeting program in the history of the Internet. Stick around for the post show. Today on the Financial Audit Post Show.

In my defense, they weren't really that bad, but okay. Whoa. What the fuck are you talking about? You're missing payments. Girlfriend, is that bad? Yeah. Yeah! What do you mean that's not bad to miss payments?

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