Financial Audit - I've Never Hated A More Vile Piece of Trash | Financial Audit

Episode Date: September 5, 2025

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Good afternoon. My name is Eric. I am 29 years old. I am from Houston, Texas, and this is financial audits with Hammer Industries. Oh, three things. One, you're younger than me. Yes. Two, it is neither being uploaded or filmed in the afternoon.

It is the morning for both. And Three, Hammer Industries is the Marvel thing. Yes. Your last name is Sadmer might as well. Okay. Thanks for coming over from Houston, man. No worries. Appreciate it.

Interesting start. So what do you do over there for a living? I currently have a part-time job at work at CVS. I've had a lot of odd jobs. Lyft, Uber, favorite delivery, door dash. But part-time is CVS right now? As of right now, yes. What are you making?

Well, it hits your account on a weekly basis, Monthly basis. I started about three and a half weeks ago, so my first paycheck was $980, and then after that, she's only going to give me 17 hours a week. Why? Because it's part-time. Why are you doing part-time? She won't give me full-time.

Why aren't you getting a full-time job? Because I've applied over 400 applications in the IT sector. How shit is your applications? They're great. How many interviews are you getting? Not that many. How's your application? How's your resume?

I give you my resume. Not now. We'll go into it at some point. But only IT. There's other full-time jobs out there between CVS part-time and IT. Yeah. So. I haven't applied for anything outside of information technology. Why?

I'd like you to pay bills. And part-time CVS likely doesn't do that. Not even close. In Houston, Texas. What the fuck you want me to say, dude? Like, I applied. Like, what is that? What kind of compatibilityness was that?

I want an answer. Like, why aren't you trying to go get a job so you can pay your bills? I'd like to make the most use of my degree, which is computer information systems. Cool. You're making zero juice. Zero juice is being made. I'd rather you use a degree, get into a field that isn't necessarily a degree focus, squeeze 20% juice out of it instead of zero percent of juice because you're not squeezing a single ounce of juice.

I have a single drip. No drip has been squeezed. I will. built computers on the side. That's great. Is it paying the bills? No. Cool. You're just using 1% shoes, so I don't give a f***.

God. No, I built like, so I built like four computers in the last three months. Okay, that much. You're doing great. Starting in your dorm room, going to build a massive tech empire for that? Like, I don't know. That's fun. How much have you made

from that? Profit. Well, profit? 800 bucks. So again, I'm just talking, paying bills. I'm not criticizing the hobby, but if you're going to bring that up as that is your making up for only being part-time. But we could be getting even just customer service or even just tech support. It's just like that kind of stuff.

I applied for IT help desk. The job was posted. I'm saying it outside of IT. And honestly, I'm more convinced that your resume isn't there. maybe you need to look a little lower than you want to get to immediately because you probably want to jump the gun and work your way up and build that resume experience and then get into the career field that you want to get into it is not going to be a perfect thing out of the game. I had two internships. I had two internships with Amazon Web Service and which I would hire a company. We hire people like crazy. I want to hire a single person based on an internship. I don't go. Based on work experience and things that they're actually delivering. If they're able to show me a product that they've worked on, produced, made sales that they've made. That's what I look for. I don't care. someone's done an internship. Internship is sometimes connections. It doesn't mean anything to me. Non-technical jobs that have applied for have been maybe about 30. Over the course of?

Three months. Okay. So what hits your account on a monthly basis? 4,100. That doesn't make sense. Not from your part-time CVS job. I also get VA benefits. Is this military disability? Yeah. Not a single case in the history of this show without it.

I run a financial red ledger. You're the first one on the show? To have never missed the payment. On the show? Is that what you're saying? You're the first one of military benefits? No, no, no, no. On the show, that's never missed a payment.

You're the first one on the show that's never missed the payment? Yes. You want a trophy? I'm like, okay, great. That's good. But if you're on the show, your situation's likely still financially completely f***. No, it's just.

I don't know. I need your help to make it math. About 4,100 to 5,000 comes in, and the expenses are about 7,000, and somehow I've never missed the payment. Somehow you've never missed a payment? Yes. What does that mean?

Like, why are you surprised? I don't know where the fuck my money goes. I don't know. I said you run like an in-depth financial statement thing. I said I run a financial red ledger, meaning more money goes out than money comes in and somehow I've never missed the payment. That's what makes this fascinating.

Okay. Well, that's good. So when we go here, there won't be any mispayments to these statements. I sent the T my entire credit reports, like, in detail from every card that's ever been open to every card. No. No, there's not a single mispayment. I've had maybe late payments with a late fee for about a week. Okay. But as far as...

Well, there we go. See, that's a little different. Because I was going to say, this literal, the first piece of paper in front of me, which I haven't even looked at. It's fucking, it is past due. And there's different things that can be done. It wouldn't necessarily be a late payment if you extend. What is this?

Looks like this is a car. You could put it at the end of your thing. That still counts in my mind. That is you not making the payment. Is it hitting your credit as a mispayment because you just refused to pay it? And it went past, you know, a couple months or something? No.

But you still, you still did not pay this on time. So what the fuck are you bragging? about. You don't even have a job. You're just getting the disability like every single other person that's ever been on the show. 4,700, you said? What is this brag? What is this brag? 4,700? No, 4100. 4100. How much is that is military? So, 4100 is military. And then I ask what hits your account. What? What about the CVS job? CVS part time every two weeks is about 600. Okay. Okay, an extra $1,200. Okay, so we're talking $5,300.

But I started CVS. What were you doing before that? And again, what was this brag about the misspayment? It's not on paper. I mean, it's on, I don't know. You have a late payment fee, but it's not on your credit report. No, what is the brag? Like, you really care about it.

Like, you bring that up, you bring up to not going through bankruptcy, not default. that kind of stuff. Like, most people have... Literally, I see past due immediately. So it's a stupid way to start this conversation. It's a very stupid way for you to try to get into this. Like, what the fuck are you talking about? Why is that something you're bragging that you're not getting a credit hit?

But you're still fucking your finances. What is it? What is your life? I mean, you won't even go get a job. You'd rather work CVS than work in a full-time job outside of IT. Like, it doesn't make sense. Why accept and apply for a part-time job of CVS, but not customer service or something? I have applied for customer service.

You said you've done 30 applications outside of your field in the last three months. That is 10 applications a month. And you need to do 10 applications a fucking hour. So I don't know what you're talking about. What? My finance is, though. I have no words. Are you going to brag about something that out is like, that you're,

you actually do again? No, no, maybe not. So I'm trying to think. Other applications that I've done I don't need down to the single application. It is very clear what you are doing though.

So why did you go and accept the CVS job? Because I needed money. So why not, I don't understand why you're not going and trying to apply mass job, full-time jobs, career positions outside of the IT field. then more than just like less than a dozen a month.

I'll give you a bright side. Tell me what you're doing before CVS. I don't need your bright side. No. Before CVS, I was mass applying. I was just mass applying for jobs in IT. How long were you unemployed but still getting your military disability? I graduated this past December as far as being unemployed.

The last job that I had was my internship with Chevron and ended this past August. When did you get out of the military? 2016. And then you went to school? No. Actually, between 2016 to 2018, I had about five different jobs. I worked for Comic-Con for two years. Doing what? Sales. I was an associate brand manager. And I did what? All right. What's your bright side? What's your bright side? I have an offer from Discover Financial. Okay. And that starts the first week of September. is that going to be? 65, 65 a year? All right, so what is it going on here, man?

What are we actually talking about? Because this is all... I don't know. I have a lot of paper in front of me, and you tried to brag at the beginning, working part-time job, but you did accept the job, but it doesn't start until... Timbuck, too, like, 10 months out of... Yes. Yes.

So what the fuck is going on, buddy? I'm in the middle of a divorce. Okay, what happened? Four years dating, two years married, out of those two years married, one year living separate. This wasn't a very successful marriage, was it? Was this a military marriage? Not at all. This marriage, I got married in 22.

In July of 2020. Is that math? Yeah, it is the married part. Yeah, okay. Okay, so how long has this divorce been ongoing? I filed at her behest at her request this past December. And now that I'm actually trying to go through with it at her request. Why did you wait?

Five months. Why did I wait? Oh. Yeah, you said you filed in December and now that you're ready to actually start going through with it. Okay. What do I mean by that is I started, I was ready to go through with it when I filed. Yeah. Now she's dragging it along.

Why? Getting cold feet saying she fucked up. She regrets. She wants to get back together with you. Yep. You sure about that? You sure about that? And?

I'm at a point of no return. Why? We've been going at each other for... Going to answer. Was there infidelity or anything in the marriage? She accuses me of cheating, but there's no genuine infidelity. She accuses you of cheating? Yeah.

What the fuck is them? Why? How? Contact. Okay. Context, right. Growing up, I didn't, growing up, most of my friends were female. I didn't have many guy friends.

Okay. I'll build up to it. I'm working on it. Yeah, you're a bit fam. I get it, yeah. Not really. No. No.

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How is this impacting all this? Lawyers, $3,000. What is she trying to fight for? But she's trying to pull back, so I'm confused. What is the need for the lawyer? She's just trying to know it, right? Well, no. She got a lawyer.

So when I served her. But she wants to get back together. You served her? Oh, yes. Okay. So when I served her, I went to the court. I paid $300. I have the court served her.

So I tried to avoid the lawyer at all costs. We have no children. There are two properties involved. Both properties cost about $320,000 each. They were both co-signed. Okay, get to it. What are you trying to say? Sorry, this is very draggy.

When she got her attorney, they won it's 61 lands of discovery. But it was a really short marriage. I don't know what the discovery they want. Okay. Well, you probably want to find anything they can. Mm-hmm. Yeah, I see... I don't see any mortgages in...

One mortgage. I see one mortgage, okay? P.H. I don't know, but I see one mortgage in your overall debt total. But you're $138,000 in really bad debt. What the fuck is going on? That's not divorce. That's not divorce. It's doing that $3,000, even if $3,000 a month or something, that still doesn't get you there.

So what is actually going on? I don't know. I really, I don't know. So you're getting into the houses and all this real estate stuff and you don't know a single thing about your finances? Apparently not. Sounds like this is an expensive divorce before we go into all this. How much have you spent on this? 3,000.

Oh, it's just been the 3,000. Yeah, it's just been the 3. That's crazy. But the attorney said that if she said that if you're going to do. She wants to go through 68 lines of discovery. It's going to cost another 9,000. Okay, but that's not that crazy. I don't know if it's defending a property.

I told the attorney she can have the property. She can, we can put the... How'd you pay for the attorney, the $3,000? Credit cards. Why, you don't make insignificant money. It's not like thrilling, but even just your part-time job. I mean, we're talking $63,300 or something like that, a year net. I originally represented myself.

I wasn't trying to spend $3,000 on the attorney. I spent $300 in court to paying the filing fees. You were going to represent yourself? Mm-hmm. Versus her with a lawyer? She got the lawyer after the fact. What was she going to do, represent herself? It's just going to be you v. her?

Yeah. Okay. I don't know. I would always have a legal expert in my corner. You wouldn't want to represent yourself in court. I have nothing to hide. It's not a hide. It's you wouldn't be able to make the adequate arguments.

Are you a legal expert? No. Okay, then why would you represent? Okay. To save money. It's only costing me more money trying to save. So I'm confused. She wants to battle for all the shit. She also wants to get back with you. She's being indecisive. When's the last time she proposed the getting back together? About a month ago.

And what happened? I told her no. I said, you don't respect me enough, no. And then did she start pushing harder after that? Yep. Well, that makes sense. There's context. There's nuance. That makes more sense. No shit. She probably feels a little slighted, probably taking it like a breakup because she just got denied.

So she wants to go hard. Maybe. Let me see a picture of her. Dear God, where are the photos? Do you know her Instagram? She blocked me on Instagram. Okay. She blocked me everywhere.

After you said no? No, before. Whoa. She's Indian. All right. Sick. Yeah. She's gorgeous.

Aren't you afraid you're going to... No. What was I going to say? I have no idea. Just a knee-jerk response. Aren't you like, she like, you know... Oh. She has some attractiveness.

No, yes. Aren't you afraid of not, like, getting there again? No, not at all. Like, I can go, I can go get myself fit, take six months to a year, lose weight, and find someone more... I can, haven't. I don't know. I do recommend shaving.

I've been lazy. Yes. I recommend shaving and then growing. Grow, shave. Grow, shave. Reverse. Reverse maneuver. Okay.

Why does she want to get back together with you? According to her, I'm her home, and I'm the only one who ever protected her from her life, from life, because she grew up in a bubble. Her family kind of kept her in a bubble, like life is sorehold, but just stay here, go school, go study. She was a bit of a... She grew up in India. She came to the U.S. She's a resident, permanent resident now. And no, I did not get her, her green card.

Okay. I'm just trying to... When I found her, I was in the middle of a breakup. She was in the middle of a divorce. Oh, wow. How old is she? She's getting some patterns. She is currently 35.

She's five years old with me. Okay. Now, every woman, right, Lindsay, loves to have a bottom that they're very close to. So I get it. Like, I understand why. I'm trying to come back, but, okay. What do you think you find? What?

My financial score? Oh, yeah. What do you think your financial score is zero to ten, zero being the worst, 10 being the best? Two. Okay. If you want to see where you stand, take our financial assessment at Calebhammer.com or click that link in the

description below. And you can also go to Calebhammer.com slash apply to be a guest on the show. But if you don't want to be like a guest on this show, all you have to do is download our budgeting app. Use it. Automatic Connection. lot of extra features in there and we're making it better and better every single day. And everyone that signs up for the annual version, I send you our cookbook and budgeting notebook

signed by me and then mail directly to your door. Navy Federal. This is the car, right? This is the Tesla. Yeah. Tesla. It's a really illy-polli. It's a black really oldie pulley.

I don't know what that means. I drive a Tesla Model 3 and I bought it in November of 22 right before the prices came down. Right. I made a final. I made a financial need into a financial wand. Yes. Before the Tesla, I drove a Ford Fiesta, 2016, Kona Blue. I drove it into the ground.

103,000 miles 400. What are you late on this? Why the fuck are you possibly late? Again, the guy bragged about never missed you to payment, but you are late. Why is it past due? I don't have. $727.23 is past due. I'm late because I don't have anything on.

anything on autopay. Then put it on, set an alert. What? Set an alert. Too lazy, no. Too lazy to hold down your phone with a button on your phone and just be like set a reminder or just get a monthly calendar. That's not lazy. That's like actually the opposite of lazy.

You're just creating a reminder for yourself. It's the easiest thing you can possibly do. And now you have late fee. Well, you have passed due. yield 35,217. with a minimum monthly payment of 727 of course we owe double that right now. We'll see when any

late fees start coming eventually. That brag will go away. Interest is, yeah, I mean, 6% so it's not good with depreciation and everything. What do you think it's worth though? Again, owning 35,000. What do you think it's worth? 13K. Why? Is there damage? We got 21,000, but

I've had, that's crazy. I've had two car accidents, one, one collision and one non-collision. What are you doing? Let's talk about student loans. I know it's something we all avoid talking about, but if your private stolen loans are crushing you, why refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay.

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I don't know. That's just like you're putting other people's life there. It's not cute. It's not funny. I was taking my neighbor to Costco because she didn't have a car. You're what? My neighbor. Okay.

Yeah, if we don't get the free samples, we're going to die. She wanted, and the car got hit on the rear driver's side. Only the driver's side airbags deployed. She was on the passenger side. And because she already had health issues, she decided to claim that all the health histories came from the car accidents. She went after my insurance. My insurance rate went up.

And then she tried to sue me in court. I got a... Good. You didn't wear your glasses. You should have. I didn't even... Good. Get sued. Fuck you. I didn't even...

No, it's not cute. You're putting other people's lives at risk on the road. You should wear your glasses. If you can't see, I don't want you driving a... thousand, multi-thousand-pound vehicle down the road. I didn't even know she had taken me to court. I don't give a f-you should be. That's a piece of, move.

There are people that are actual reckless drivers. And so are you driving not being able to see? Are you stupid? What are you talking about? That is reckless driving. It was at an intersection. It was a red light. You still were driving without glasses when you needed glasses to drive.

The light hit green. I went and go and someone was running their red light. And maybe you would have seen them if you had your glasses on. It's 11 in the morning. The sun's right in front of me. Are you stupid? That doesn't make sense. Even with glass?

No. No, noon is when the sun fucking hits here. The 11 all of a sudden it doesn't go there. I disagree with that one because you disagree with the move into the sun? No. The way. When was it? This was last year.

Last year month. January. Okay. So we are in the winter time. That means we are in state. time, meaning 11 would have the sun just about here. So, fuck you. You're completely wrong.

If there was daylight savings time, that's where I'm like, okay, maybe there's something a little we can talk about. What's that 10 in the morning? It was before now. 10 doesn't matter either. That would be like there. That doesn't matter. If you can't see, you shouldn't be driving.

And now you're trying to make excuses. You should be sued. Fuck you. Honestly, I don't fuck around with putting other people's lives at risk. It's not cute. It's my first accident ever with having someone in the car with me. And I've been... Great clarifier.

Not really. You shouldn't be getting in other accidents regardless, dude. You're 29. You're a year younger than me. I've been in one little, just like it was like, beep. Lovely. The other accident that I had was this past January. But it wasn't with another car.

Yeah, sticking with a theme. Yep, go ahead. Freaking trailer drops a ratchet strap. And it hits the bottom of the car. Like, I ended up running through it. So you weren't keeping enough distance. The thing is flying. crossed three lanes. What distance am I supposed to keep? Okay, it wasn't just the car in front of you?

No, it was a trailer, like three lanes over and the freaking ratchet strap just hit people were running. Yes. Okay. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. And I ended up hitting the ratchet's trap. So that means the car is likely worth even less than we have a value now. that one wasn't uh there was no body damage to that it hit the bottom of the car and the coolant lance kind of broke had to replace the whole battery because of that well yep that would do it yeah so that's that's that's where 10,000 dollars is that debt comes from you're going to be paying this

off forever a depreciating asset something not competing with the overall market if you're putting your money in the marketplace it's just like I don't know what are we doing I don't know the divorce probably has me all over the place because I've been spending more money than usual At the... What the... You got this car before the divorce. What are you talking about? What are you talking about?

That doesn't make sense. So... You decided not to wear your glasses before the divorce. That is the dumbest excuse in this context I've ever heard in my life. Past due. What a joke. I don't usually make excuses. Today, I have no idea.

Huh? To finance us next. We're already there, buddy. I just talked about the Tesla. Apple card, $6,591.39 with a minimum monthly payment of $279.32. Okay. What's going on with this card? I'm not sure.

I've been... Oh, my... There's telling me you've got like $4,200 worth of iPhones. My siblings needed a new phone. Why is it on you? Why is it on you? Because they don't have credit. cards. They're actually smart enough to not get credit cards.

And I'm like... Why would you put it on your credit card? You don't need a credit card to get a phone. I don't know if you know this. They went out the newest iPhones. What the fuck am I supposed to say? No. Family wants something. They're going to get it. They make money. You spend money you don't have. My siblings do work for H-EB full time. And that makes 16 bucks an hour. And you do worse. You just have disability. Like every single other person on the history of the show that's been in the military. So... Okay.

I don't get it. They work at H-E-B, so you go on your entire life? Do you say no to your family? If it would fuck my life. Yeah? Because that doesn't help them in the end. That means I can't support them. I have a problem saying no to people when it comes to asking to borrow money.

This is $4,200. Yes. This is crazy. This isn't $100. It's not $25. It's not $1,000. It is $4,200. Oh.

Was they at least supposed to pay you back? Half of it. Why did you agree to half? You're a part-time worker, CVS. I stopped working for Lyft because my, because, yes, I was working for Lyft before February 20 of this year. Okay. And I stopped working because I let my sticker expire and I didn't renew it.

So February, March, April. And this has to do with you paying half the phones? I'm confused this. No, this has to do with the lack of additional income that you don't see. So renew your sticker I did last week Okay Yeah

Well before then Why didn't you? I don't fucking know I was busy driving around Huh I was busy driving around Trying to take care I tell you didn't because you didn't have a sticker

That's correct So then do it You said it was last fall last winter No last week No when it expired February of this year Okay that's quite a few months To just go get it done

I was being lazy. Is that going to be your answer for this entire conversation? No. I didn't have the money, okay? At the time, I didn't have the money. But you, okay, let's just say you went into debt for it, okay? Yeah. With the amount of opportunity cost that you lost,

by not continuing your income with the delivery services, it would have well been worth it. I was trying to avoid putting more things on credit card. I get that, but the opportunity cost. How much did you lose in income? Probably 1,500 a month. And did it cost 1,500 to renew your sticker? No, it costs...

So what the fuck are you talking about? Come on, this is just some basic, basic, basic, basic brain maneuvers. It's like the most basic level stuff. How much have they paid back then if they're supposed to pay half? Nothing yet. When was this? These phones, when it was this? In the fall.

Okay. So six to nine months ago. I told them to pay me back when they have everything in full. That doesn't make sense, though. You can't afford to live. Why wouldn't they do a minimum monthly payment? Why are you relying on them being able to save a big chunk of money on $16 an hour? That doesn't make any sense.

Put them out of a minimum fee payment, even if it's a few years long. What kind of logical way? Where? What made you think that? That is going to be way harder for them to do. I don't know. My sister decided to go on vacation for Mexico instead of paying me back. Right, because you said do big lump sum instead of minimumly payment.

So why did you decide that was my question? Probably because I didn't care. I didn't pay attention. Money comes, money goes. What do you want to do? In your cases, it just goes, though. It doesn't come because you said due in full instead of minimum monthly. Yeah.

You're a pushover. I'm like the bank to my... You're a pushover. I'm the bank to my siblings. You're a pushover in this world. The X has pushed you over. They're pushing. you over, your new boss is pushing you over, the military probably pushed you over.

Wasn't always like that. You're a pushover. No, it really wasn't always like that. It became like that over the last six years. Why are you allowing that? I don't know, actually. That's a very good question. No self-reflection in your life whatsoever. Not in the last six years now. It's a long time. Yeah. Okay. Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central.

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Goss and Motto. Good to go. Eink. Good to go. Good to go. Good to go. What the fuck is good to go? For $7 every time. A meal.

A full fully cooked meal where I don't have to buy groceries. I don't have to. It's still more expensive. And I'm okay with things like factor and stuff, but it's for if you can budget it. You can't. You don't. You don't have money.

Still owed on here are phones that they're not paying for. So you're not going and spending $7 a meal. We get our meals down to $4 by meal prepping. So Gossett, I had a rental vehicle. When my car was in the shop, I had a rental vehicle. It was in the shop one month ago? My car was in the shop for three months. And you just got it?

I got it back mid-April. Okay. Mid-April, late April, something like that. It was in the shop since February. They didn't give you a Tesla? No. They always give me a Tesla. Why aren't you getting a Tesla?

I just ask them. They give it to me. Is that even in my insurance? Hertz didn't have a Tesla. a Tesla at the time? You're going to take it to Hertz? No, the Tesla Insurance. Tesla insurance.

I don't even have Tesla insurance. Tesla, so, Tesla, I went through my insurance for my second accident. Did you ask the Tesla repair place did you went to? They didn't have one. They didn't have one. They didn't have one. Okay, good to go, good to go, good to go, good to go, good to go,

peacock, nothing on there. Apple bill, good to go, good to go, good to go. What are you doing? Why aren't you cooking and meal prepping? come on, just got divorced. You have time. I study for certificate so I can level up my skills. Not as good and I'll give to your course career as one. But regardless, that doesn't take away just a little bit of time on a weekly basis, a few times a week to meal prep.

You can't afford these meals. No, I can't. Yeah, you do them. So, like, good, reasonable answer, but you do it. So it's like, what is that? Because it's an easy way out, okay? It's the easy way out. It feels good.

It's a lot to acknowledge what I'm saying is true without actually changing your behavior. Yeah, that is an easy way out. Sometimes. Not always. That's what a lot of people do. Hopefully things change after this, so we'll see. Pull up your phone. Pull up your phone for me.

Yeah. Got these Apple bills and peacock, these subscriptions that you can't afford to save your life. Open your phone. Is your phone open? Yes, it's open. Then just give it. There you go. I know how to navigate.

I'm not going on any. I'm not opening your grinder. It's okay. I don't have a fucking grinder. Okay. Capcut, Apple One. Notably. Notability.

Yes. Smart AI notes. Lots of subscriptions from the past. Audible. Meet me. So there was a time, there was a point in my life where I wanted to try to make a little bit of money doing live streaming and Meet Me was a smaller platform where you can actually just do live streaming and if you got good you can make a little bit of money and then work your way into different.

I don't know. I was trying something different. Well, they're telling me you want to start a YouTube channel. Actually, I'm going to. Oh, okay. What are you making? It's going to be a real simple channel. So I just bought a dog. I paid $500 for a husky. Great. Yes. You're so financially well off. What a good time to get a living thing that is depending on. No, the Husky's gorgeous. Do you want to say it real quick? I don't give a, what's the YouTube channel, dude? It's going to be the life of the Husky.

Right. I don't have a particular name for the channel, so there's no plug. No, no worry about that. So, here. It's a... May I suggest a different idea? Go ahead. A different idea.

Me? Yeah. No, I'm suggesting, do a different idea. Like what? And a different idea. Just not that. There's a lot of dog channels out there. It's just like saturated, saturated, saturated.

Good luck. You'd have to take a very unique spin at it. You know? So one of the reasons we were able to break out here is because we, you know, took a unique spin. You know, I made a show that I wanted to see that didn't exist. So we did that. I would think like that. What dog content is out there that doesn't exist, but you want to watch?

That's what I would look for. And make sure it doesn't already exist yet. Dude, you built this channel to yell at people because they're financially. screwed or they're screwing themselves over. You enjoy it. Why would I? You enjoy yelling at people and you made money out of it because it was like, it was related to money.

What are you saying? You saying we only do this to yell? Maybe. Well, no, that's overly simplistic. Not even close. A lot of people have changed their lives, including hopefully you. A lot of people in the audience as well, but of course. Yeah, absolutely. I'm very intense.

That's my personality. that's good that's good sometimes people like me need that so yeah a lot of people need it but no they didn't start a channel to yell people trust me these vocal cords hurt at the end of the day oh and there's Apple store Apple store Apple store I said a 26.24% interest rate buddy

he lost 500 hours this year in interest alone so far stop with that that is noisy stop okay a little I fiddle okay I fiddle I'm moving on I'm moving on to the Amazon chase Amazon for me. Okay.

I mean, this one's always paid off, so I'm not going to write it down, but you spent $41 on this. And it was Amazon, OpenAI, and Amazon. You have had interest this year so far, so you don't always pay it off. That's, no, yeah, that's correct.

Why? You want it in my Amazon? Yes, but also, why don't you always pay it off? I don't know. Why don't? Because I don't always have the money for it, and I don't have to... They don't purchase. Why the... few purchasing if you can't actually pay for it.

Because credit is good. Credit is addiction. What? Credit? Having bad, what's your credit score? Like, sick, it's above a 650. Great, yeah, it's doing so well. No, like, what the fuck you're talking about?

Three months ago, it was in the 720s, 740s. Great, so you're doing worse. What are you talking about? I'm doing worse because I put 10. Yeah, advice from you. The people code. Are you trying to learn how to have a conversation with people? Might be nice.

Razor Kinchi Ultra Gaming mouse. And I got that to test that out. I'm actually going to return that. So that one's the only thing I'm returning. Colossil foot, rasp and wood handle? I don't want to pay $50 to go get my, to go get a fucking, to go take care of my fucking nails. Okay.

Well, it says foot. Yeah. Well, my nail is my feet. Okay. And then toenail clippers for seniors. Okay. So we're spending on Amazon money we don't have. Interest is sometimes accruing.

That one was paid off this last month, so I'm not going to put it on there, but that is sometimes what is happening. Okay, Costco, city Costco card. We're the Hartford, with decades of experience insuring millions of unique small businesses when it comes to your small business insurance.

Thank you. One size, absolutely, does not fit all. Get a quote or find an agent today at thehartford.com slash small business. What's going on with this? Hello, this balance is insane, buddy, and you spent more on it while interest is accruing, then you actually pay towards it.

It takes 12 years to pay off. You'll be your age you look. No. Not at all. I'm not going to take 12 years to pay off the Costco card. Well, right now you're making it take longer because you're spending more on it than you put towards it. So that's just minimum payments without purchasing, but you're incapable of not purchasing. So what the fuck you're talking about?

No, you're over the credit limit. You're over the credit limit. That I had no idea. He bragged in the beginning about never missing payments. He's over the credit limit. You win some, you lose them, okay? Despite logging nearly a decade of consecutive losses, he's finally ready to hit back.

You lost your marriage, you're losing every debt in here. What are you winning? My sanity back, my peace of mind. Not that I see. That's a start. What? What is? Regaining my peace of mind.

Oh, I thought you were talking about sanity because Well, if you have peace of mind, you can get your sanity back. $3,270.66 is what you owe on here with a minimum de payment of $178.6. $196 of purchases in 26 when you only put $140 towards it. Well, $74.40 of interest is accruing. Why purchase on a card that is over maxed that interest is accruing that you can't pay off now? You laugh about everything. Is everything a joke to you?

The bank allows it. What am I supposed to do? Not. do that have some sort of discipline in your life you're in the fucking military you know discipline yeah laugh about that

no I had no I did lose my discipline over the course of years but I don't have words no I'm asking why because I f*** up that's not an answer that's not an answer dude

that is a fucking get out of this That is a, you're trying to get a, get out of jail free card. Why are you putting it on this card? A card that you cannot pay off that is over the limit that is accruing interest. Because the banks allow me to, that's why. Good. Okay. So you have no ability for any kind of self-reflection in your life whatsoever.

You are incapable of looking at why you do something. The cause of your actions, you are incapable of having any idea. Some days. Other days, not so much. Well, now would be a good day. Duly noted. No, we're in it now. Don't note it. Do it.

Okay. No, actually, no. Not yet. Let's keep going on. Not yet. Not yet. Go through the rest of the finances first and then we'll talk about it. Quiet.

Tiller H.Q. Trial over. $79. What is that? That was a one-time. yearly subscription that I got to try to manage my finances. Gan, how's that working? Because it'll put you over the credit limit. And then you purchase on Costco as well, of course.

30% interest, right? Late fees this year. You said you've never been late. There's a late fee this year so far. You said you've never been late? Okay, you've never had a late f***ing fee. There you go. That is.

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Undisciplined pushover, unable to self-reflect. Come on. Where's any integrity in your life? Any kind of self-respect. I need you to start having it. Do you go to therapy? Yes. Okay, go to more. Okay.

Or see a different therapist. I might need to see a different therapist too. I might need to see a different therapist, okay? Yes, I heard that. Why? Why? Because my therapist always just agrees with me. There you go.

See a different therapist because that's not good. You had a late for you. Why? Yeah? Because I was waiting for my, for my, for my, for my middle of the month paycheck to hit in order for me to make a payment on the card. Then why purchase on here if you're not able to make a payment on the card? Because even if I don't purchase it, I still have to make a payment. You don't have to make a payment.

Yeah, I don't have to make a payment. What? They would have to be lower payments. Lower more affordable payments if you weren't continuing to purchase on here. And then all of a sudden your late fees makes your balance higher. Your interest makes your balance higher because your balance is already higher. making your interest a higher amount, making it even more

unaffordable for you to be able to make that minimum monthly payment. Buddy, I don't know. I have no idea. For fuck sake, this next one, what is this? This amex every day. What's going on? My insurance goes on there. My charging goes on there.

My internet goes on there. My cell phone goes on there. And other than that, I don't really swipe it. Probably I have maybe one and two subscriptions. But you owe 6,7774.84 cents on here. That is fucking crazy. You purchased $833. That's not just subscriptions.

When you only put $200 towards it, we're 100 for growing. Mine's, you. $224 and $22. It's your minimum monthly payment. Hey, how long does this take to pay off if you don't purchase on it and you make your minimums? How long? Which you're incapable of, of course, as we learned across every statement.

A good 19 years, if I'm guessing. Yes, you looked when you sent it. I did not look. I'm blind as fuck. I'm a blind bat. I don't have my glasses on me. You're not able to look at your statements when you sent them to us? What are you talking about?

Don't be a moron. I just downloaded and sent them. I didn't even look at them. Fine. Scott's honor. I don't care. Buddy, it is a $224 minimum of the payment. No shit you can't afford this at this point.

And not to mention it. But you're still putting money on it. My insurance is $250. What is your living situation right now? I have a mortgage. I don't have roommates. So you live in a house? Yes.

Why the f*** don't you have a plug? It's all Tesla charging, Tesla charging. Charging, charging, charging, charging, Supercharge, Supercharge, Supercharge, Supercharge, Supercharge, Supercharge. Plug it in, and not. I don't pay Shoezy. This is spending. There's your insurance for Tesla, but the Supercharge, Supercharge, Supercharge, Supercharge. And other AI subscriptions, like the fifth we've seen.

It's not going to make up for not having a personality. Supercharging. And then your phone bill on here, that's crazy too. On a credit card? Come on. Supercharge, Supercharge. Why don't you...

Listen, you can even just get the bullshit. What is it? Four miles an hour charging? The 12 volts? Yeah, but at least it gets you something overnight. But still, it's like, what? 150 bucks one time and you get the, you know, when you have a plug at home? Then what the fuck you're doing?

Because this is moronic then. That's extra moronic. I do charge at home. Then what do you do? What's doing you, you just gonna see you. My new battery has like 220 miles of range. My previous battery had 270. You used 220 miles to go to your part-time job a day?

It's not the only driving that I do. What are you doing? I also try to do DoorDash on the side. But you don't. Is that even worth it at this point? No. Look how much you're doing. Supercharge, supercharge.

And then there's internet payments and supercharged. and then Microsoft, Supercharge, Supercharged, and Spotify. Fuck you. Listen to ads. You don't have money. You can't afford to live. I don't give a fuck. You're only surviving because you have disability.

That is true. That is, eh. Well, you wouldn't be surviving off of $1,200 a month. Yes, you're only surviving off a disability. No, because the mortgage is like 2375. Yeah, so you're only surviving off a disability. Yeah. These are insane.

And even if you shouldn't be making these purchases, but even if you do on a checking account, buddy. You're making this balance go higher and higher and higher and the interest goes higher and higher and higher. You're going to hit that wall. Like you hit everything else while you're on the road. And then there's going to be no...

Then your little brag about never going through bankruptcy? Yeah, that's going to happen. Car repoed. Mortgage foreclosed. You're going to be... Because you're pushing this to an unsustainable point. It already is. But you're pushing a high...

So you can have your little subscriptions and bullshit and charge on the go instead of plugging in overnight. You don't need a Tesla. You shouldn't have gotten a Tesla. You specifically. I like my Tesla. It's a good car. It fits my lifestyle. It does not fit yours.

I should have gotten a Camry after my Ford Fiesta. Sure. I don't give a Fitch. It doesn't make sense. For you specifically. I didn't want a Camry. Don't care. There's many other options between.

What other good cars are there? Buddy, you could just have anything. I'm just saying you can't have something where you can't just fill up a... Toyota's reliable and Tesla's reliable. Everything else? A lot of mechanical issues. Hyundai? Yes.

Yes, Honda. I had a Hyundai. Isn't that quite known for being reliable? Just don't get a Fri-Nisson. No, I'd never get a Fri-N-A-N-Son. That's what I just said. No fees this period. Interest $158.

Oh, you actual little piece of, you've had about four late fees this year so far in this card. We're in month five. You've had three to four late fees this year so far. What a joke. What a joke. Yeah, laugh about that. Cope giggle your way through it. What a joke.

Come on. Where's any self-respect you have for yourself in your future? If you want to get back out there, you want to meet another girl? You got to take care of yourself first. And that can start with finances. Because even if they're attracted to you, once they see this, they're going to run. They won't even run the fly. Like just vetoed, critical take off.

Go. So what the fuck are you doing? Three to four missed payments in five months. What? Does that not feel disgusting? I feel disgusted. I feel it in me. That is gross.

I... You did it. It was you who did it. Did I blame someone else? No. Yeah, but I want to hear why you at least think. Maybe you can't give me a perfect reason. I want to know, at least.

I want to see a little skill of reflections. I use spending as a coping mechanism when I'm not doing okay. Buddy, I asked why you weren't making your payments. Because I wasn't keeping track of anything. I don't have anything set on out of place. So what's different today? Nothing. Nothing's changed.

In fact, the divorce has only gotten worse. Now you're in a legal battle. So things have only gotten worse. credits gone down. So what is there positive for me to grab hold on to here? That's a very good question. Yeah, I want to fiddle some positivity. Uh, I got nothing. At least for right, I got nothing. Yeah, it seems to be a trend in this conversation. Yeah.

Which doesn't give me a lot of optimism here. I'm not trying to beat you down, buddy, but I am trying to wake you up and I am trying to crack you open. Unfortunately, there doesn't seem to either be anything there or you're just so far gone and you don't care. It's not that I don't care. It's really not that I don't care. There are points in your life when you get so

far down the hole that it just doesn't even phase you anymore. Do you not want to escape the hole? I'm trying to build a dirt out of, trying to build a ladder out of dirt. But there's not really... So don't use dirt, you moron. I have no other tools. I'm in the fucking hole. It's just

Gerge. You are not going to metaphor your way out of this. A for effort. Your little participation trophies is probably why you're where you are. You've got on the back, good job. And you can just be a failure throughout life. It doesn't matter. And then your wife leaves you.

$1,133.96 on this Bank of America card. With a minimum monthly payment of $37. No purchases, but $26,000. of interest is accruing. Eight years just to pay this one off using minimum with the payments, which is all you do. And no purchasing, which, at least lucky for you, you did not on this.

So, I can tell you where that $1,200 came from. Four to six months ago, I decided to try to take care of my car, puts around my coating on it. Oh, is this fucking car, man. Okay. Oh, good late for this year so far. Sure. Keep going.

And, uh, dude, it's crazy. This is insane. So I figured if my car looks good, my house looks good, and I look good, I feel good about myself, and I can start doing something about it. Do you? It didn't last. Buddy, this isn't easy. I see stoppel.

All you have to do is grow, shave. Just do the opposite of what you're doing now. This is so simple. You can be a thick boy. It's fine. Trust me, my little philosophy for everyone out there, when it comes to sex before I was, you know, you know, in a relationship, whatever. It was like, I don't really care.

And tell all of a sudden I can't people that I find attractive. But I've never hit that limit. For some reason, with the chub, people still go for. So it's okay. Just get rid of that because that's a little scary. And then grow this. And I bet you'd be a handsome dude. You got that natural tan.

You're a little olivey. You have something. You laugh a little too much at an appropriate moments. And you're a little. But you, I think you'd be okay. I probably will be okay. I probably will be okay. I just need to actually just take action.

You're out there. When's the last time you got some? I haven't gotten any since my wife moved out. She moved out in November 23. Oh, poor guy. Oh, poor man. Oh, buddy. Uh-huh.

Oh, geez. Yeah, that must fuck with yourself as theme. Are you trying to? Have you attempted to? No, I did have one, and that was in July when she came to visit, right before she was... From where? From the north. Okay.

The north, okay. I'm trying to keep discretionary to not say what state she's in. She's in the Midwest, North. Sure. Pharmaceutical company. From the union. Yeah. Okay.

Other than that, I really haven't had anything. But you... Okay, I'm just saying. You know, there is a little stuff to see me. You're young. I need to get out there. You're on dating apps? You're doing anything?

No. No point in doing any of that if the divorce is not finalized. There's no point to having... I mean, she's gone. It's the principle of things at the end of the day, because why do I want to have... Why do I want to start a relationship when I'm still trying to... go through a divorce.

I'm a very sexually active person, of course, but I'm a little lockdown now, so that's okay. $105 of interest accruing this year. And it's okay to be sexual. Who cares? Our culture is very anti-sex right now. That's whatever. I don't give a, get out there, man. Go live your life.

I need you to have some self-esteem back. That's what I'm talking about. I know it's very personal, and I love, you know, making jokes and going down that alley quite a bit. This is, you know, my immature little brain. Sure. but the thing is I do need you to get some self-esteem back. If you're not getting self-esteem back, I don't see you coming out of this.

If you don't have a purpose, I don't see you coming out of this. If you're not putting in any kind of work, like, okay, I get it. And I get pushed back sometimes where it's like, you know, I put in the effort, I put in the work to get out of finances to build a business, a lot of different things in my life. It's been very successful. But I haven't put in the effort for my own physical health. Okay, sure.

Got it. But I have my style game at least a little bit. This isn't like fantastic. But it's still better than it used to be. whatever, it doesn't matter. You got to put in work somewhere. Right now you're putting it in work nowhere other than coding it on your car. So I just, I need to see some self-esteem, some care about yourself, because if you don't have that, you're never going to put an effort. I'm not surprised to see no self-reflection because you have no care nor desire to look at your mistakes to

try to change them because you don't have anything going for you right now. And I'm not saying that it's a slam or a dunk against you or a beat down. I'm saying, you need to find reasons to live, reasons to get out of this. You need to find some self-confidence. Wishing you could be there live for the big game, soaking up the atmosphere in a crowd, but too often life gets busy, or the price holds you back. Priceline is here to help you make it happy. With millions of deals on flights, hotels, and rental cars, you can go see the game live. Don't just dream about the trip. Book it with Priceline. Download the

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Best Buy card. $7,828.14. That's chunky. For Best Buy? Why? I mean, you purchased like three bucks. Why you purchase?

Purchasing. Minimely payment $179, but even still, why it's just $2.55 of purchases. Why? $100 of interest accruing 25 years to pay off. You know, I actually don't know what went into this card. I don't know why the limits at $7,000 right now. I don't remember to be honest with you. So you're over the limit by $828? The limit's the credit limit in the card is $10,000. Oh, you just said it was $7. Okay. Go on. The current limit of expenditure is 7,000. The credit limit is 10,000. Okay, go on. And so in December, between three cards and...

You just got it at CVS. You work at CVS. You just got a snack at CVS. Yes. And you use your Best Buy card for it. Oh, good. Three late fees is here so far. Well, you do only live one, so...

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help you shape it. What? That doesn't make any sense. Explain that logic to me. If you're going to have some kind of logic in your life at all, please try to explain it. If you want a funny logic, you built debt, you die. No, the logic of what you just said. You only live once. How does that apply to this? Please. It doesn't. Anyways, I Yeah So in December of In December this past year

After I graduated from university Which I have no student loans by the way Yeah, you're in the military No actually I don't get the 9-11 I didn't get the 9-11 So I didn't get the $1,500 a month Plus my school paid for What'd you get?

I got two years of chapter 33 Which is vocational rehab I paid for my first two years of school Okay, you graduated what? What are you? what are you saying? What are you talking about? So after I graduated, wife wanted me to go to India to try to, quote, unquote,

deal with the whole dowry? I would, no, I wish. No, she wanted me to go to India to try to see where the marriage stands, separating or getting back together or something. She's in India? Right now? No, she was. Why didn't you have to go to India for that?

Because she wanted me to go see the family, too. So food poisoning would have to, Unite you guys? I'm confused. No, I don't... I mean, if you want to talk about food poison, just go to Mexico first. Okay. It's a lot closer. But you don't have to react to every single thing I say.

So you went to India? Yes, I went to India, and I spent $10,000 trying to get there. Why? Why? Because for the first time in my life, I did the incorrect thing and I tried to book through third party to trade money. Yeah, first time in your life. When I book flights, I book directly with airlines. This is the first time I booked with third party.

and I was not able to get any of money, any money refunded. Who was the third party? UK websites. Why didn't you just book a trip to India? I'm so confused. How did this cost $10,000? How possibly? So I had booked every flight.

Originally it was $5,000. Originally it was like $5,000. Because I was booking flights one week in advance. And December flights to India are the most expensive. So I tried to... Why don't you plan out? Because I wasn't planning on going to India Originally I wasn't planning to go in India

Yeah, but once you decide you are, just doing it a month later She wasn't, she was in vacation from the second week of December To the first week of January And it was mid-January or mid-December when she Okay, well obviously it didn't work No, it didn't What are you telling me? What are we talking about? What are we even talking about right now? Part of that 7,000 is

Okay Is the flights Still don't know how it cost $10,000. Oh, you didn't even go? even get on the plane? Oh, guy. Oh, gay. I wasn't led boarded.

So the ticket was through third party, and then they got the ticket from Air India, and it was operated by Turkish Airlines. Circus Airlines refused to let me board. You're going to be using Turkish Airlines again very soon. Turkish Airlines did not let me board because I didn't have a physical copy of my permanent a permit now. Visa. Why?

Because I booked, I got my expedited visa 12 to 24 hours before my flight, and it just didn't come in the email yet. And I told them, by the time I get to Istanbul, 12 hours from now, 11 hours from now, I'll have the visa on hand for immigration. They said, you're like getting on this flight. Within five hours of them not letting me get on the flight, after leaving the airport, my visa came in. You think if you went, you guys would be together? Oh, no. I ended up booking a second flight. Can you tell me exactly?

I understand the little line she did. And it sounds like she's probably a bit more traditional because they're a bit more conservative there. Relationship-wise, where she comes from. What was the straw? What made her be the divorce? Asked the divorce. What was the straw?

The final straw. Nail on the coffin. Blah, blah, blah. No. So there wasn't a final straw. It was... Oh, come on. There was the final straw.

Final nail in the coffin. Final dot on the head. She didn't ask for it once. She asked for it five times or the course of 18 months. She asked for a divorce five times? Or the course of 18 months, yes. I asked her on her wedding nights

Never uttered the worst divorce And I will stand next to you no matter what Through like Why was she asking consistently? She says I wasn't treating her nice Were you? Yes, I was I mean, you guys didn't have sex

For the last year of your marriage She moved out She was so when she Where did she move to when she moved out? She moved to the state in the north In Indiana The state and in the north, Indiana. Yes, okay.

So, like I said, she got picked up by a pharmaceutical company. So she was working for Honeywell originally. Why didn't you go with her? Because I was still getting my bachelor's degree. Okay. I would have transferred from my wife? There was no university that was good in Indiana for IT. I had like two semesters left.

I mean, Bloomington, Notre Dame. Notre Dame, I think it's private. But even still, Bloomington, great. I was, I had over 70 credit hours. Not enough. You can transfer you, you tits. What do you think transferring is? Yeah, but there's a limit on the number of credit hours you can transfer.

It's like 30 or 40. I don't know about that. It would have stepped me back a whole year. I don't know about that. Are you sure? Yes. So I'm going to fact check you right now. What is I going to say?

There's a, depending on the university. There's a, university you're transferring from or two? Two. Not transferring from. Come on. I bet you've went. I'm thinking of bowling green. That's in Ohio.

Like Kent State. I think that's in Ohio, too. There's a lot of universities in Indiana, though, that you go to. How many are going to let you transfer more than 50 credit hours? Because I was, like, at 80. But when she moved, I was at 80 credit hours, and my decree was 120. It would have sent me back a whole 30, 40 credits. And on top of that, I was using Chapter 33.

By the time that she moved out, I was using Chapter 32. Well, yes, that part's a bit more. soon. 64 credit hours. For which university? Indiana University. Indiana State is 94. Really? University of Southern Indiana. That one's

39. 32 for Purdue. Evansville, 72. So, you. Again, I ask you if I fact checked you, would it be true? Fact check you? Which ones are in Indianapolis? But, again, you might have been able to do online for those universities still as well. But Indiana is also not that big.

It's a small... It's a small town. Indianapolis? Still a city... I'm not going down your fucking rabblehold. Yeah, two mispayments on this card. Uh-huh, as usual. 357.

This is just a joke. I mean, how are we even going to pay all this off? Like, you don't even start your job. But if you honestly even, like... started to even begin with, because I don't even know with your life in the fall. Well, I actually was hoping to see if I can interview with you. I was hoping to use... You are interviewing.

Yes, for my financial life, not for a position here with you. One of our job openings? Yes. Okay, what job opening do you want here that we have open? What are you qualified for, Mr. IT? I don't think we have an IT opening. What do you want? We got sales, we got HR director.

Sales? I could actually be good at sales. Okay. I did sales for two years with Comic-Con, and I was actually pretty good at it. I really was. And as far as IT goes, probably fix your Wi-Fi,

because not all your rooms have good Wi-Fi. And then just make sure the network's always up. Yes. We'll see. We'll talk towards the end. Navy Federal Credit Union. Okay, Visa Signature Go Rewards card. It's a 19,000.

$368.67. That's horrible. What's up with this? The other 5,000 of the flights are on this card, I believe. And then... The other 15,000 you owe? The car accident. 10,000.

The other five? The other five. I'm not entirely sure, actually. Right, exactly. $453.33.32 is your minimum fee payment, which is disgusting, insane. and I bet there's late payments galore on here. You're going, you're getting groceries on this card. Of cards you can't pay off.

Going to the movie theater, not with a date. Los Crucos restaurant dining, not with a date. Going to the movies, not with a date. This is insane, buddy. Insane. Now, it's not a statement. It's screenshots, and I bet I'd see late payments galore, late fees galore in there.

This is your highest level credit card we've talked about so far. Highest balance and you're laughing. Is it another visa signature? Okay, a visa signature 2.0. What are I what? What do you want me to do? Cry on camera instead of laugh? $9,548.991 cents.

I don't know. I don't buy that. Listen, you're just incapable of self-free. You know you're in debt. I just don't think you have the motivation to change. I don't think you care to change yet. I really don't. You know you're in debt.

It's uncomfortable. I don't think you're there. $9,548. 91 cents a Zodon here. What's the minimum monthly payment? I think 240. No? 240. Well, maybe. I don't know. It's not right here. I can't send a...

Let me pull that up. Let's okay. It's fine. What is Primerica? And then, of course, we got Costco. Oh, I need to cancel Primeraica. Salon, Men Show, Men Show, GameStop. You went the... You spent $257 and $31 a GameStop? Yes. So, I mean, what? I got a PlayStation 5.

for $250. Why? Because I play video games. I don't buy skins on video games. I don't buy things. I love video games. Video games are great. We need to take care of some self-care first for you, though.

We need to turn around your life before we're sitting down and rotting. Yeah, and then you're paying for PlayStation Network, buying some video games, buying some video games. So the payment actually for this one's actually $200. It's not $200. $200. $200. Very good. $200.

Discover it. This is insane. This just keeps going. Yeah. This is the, uh, this is the interesting one. Yeah. Not in a good way.

$2,121.55 with a minimum of the payment of $43. Interest of 22.51 is accruing. This is the only... It's $1,244 of purchases. Why the possible, boosting it basically to the credit limit? Why? I actually look, this is the only statement that I looked at

when I sent everything. And I realized, I looked at the spending analyzer. Apparently I spend a lot of money on food. Yeah. About $568. Conja going into the gas station, getting some bullshit, foviot tastes, huet, Juan, Sean, the B-E-P-T house,

rainbow.l-l-L-C. I told you. Rainbow.l-L-L-C. Tosca, Italian, gourmet, N-H-A-T, Getting some bullshit. Ram Tech. Who knows? McDonald's.

Misho. Baggy Park. Bagby Park. Oh, La Calais. La Calais. La Calais. Break time tea lounge. It's La Calle.

Just $41. Yeah, the interest just started to recruit. This is new. This balance. Oh, this is so stupid. Why? So you can just fuck your life over more and push it to another one to the credit limit? Sometimes when we go out to eat, I buy for my friends.

Sometimes I don't. Why? Why? Why are you buying for your friends? You're financially... They can pay for their own food. You can't even pay for your own food. No, no, I can't.

The banks pay for my food. And I just pay the banks back. Buddy, I'm borderline about to give up on you. Just look at that. Look at your reaction. and how you say things. It's so stupid. Discover card.

The balance of the Discover card, because I don't know. You didn't send a statement. Like, again. That is a statement. The same one we just saw? No, so that's the... What's the balance? Like $2,000?

What's the minimum monthly payment? Oh, check me, dude. Discover card. Yeah, we're going. We're getting some rap and roll. Stopping and getting some bullshit. It's your job. Stopping to getting some bullshit.

twice. Just stupid. Oh. The balance is $2,400 and the minimum payment is $37.50. $37. And then we got

cruising. Told you guys. McDonald's going in and getting some bullshit. Fuji tea. Tortillas gigantes. Tortillas gigantes. Black market.

Interesting. The BEPT house quench it soda dude Starbucks this is all just a joke freedom card minimum

balance 1,3006 hours and 79 cents minimum monthly payment $40 still purchase this dude doesn't make sense $24.88 of purchases 3167 dollars and 58 cents of purchases $407 is your payment, but it's basically the same.

It's because of interest, and it's Turo, Inc. Renting a car of a Turo? No, actually, I can explain that one. I'd love to see you try. Please also explain why you have a late fee on here this year so far. The late fee I can't is explain, but I can't explain to Turo. Of course you can't. Go ahead. I told you my brother works at H-EB, so he has a friend who wanted to rent a car for prom, and he said, I have cash.

For prom? Yes. The guy said I have... Hold's your brother. My brother is 20. His friend is 18 and his friend is still senior in high school. My brother's already graduated. Great.

So you're paying for someone's prom. Okay, keep going. And the guys... My brother's like, can you do me this favor? The guy's willing to pay you cash just because he's not 25 years old yet. That's why he can't rent a car in thorough. He wants to get this car. Yeah, but his parents should be able to.

He has a parent. He has 18. He has parents. Why are you fucking around? Why are you fucking around? Because I fell for him for his... Stop. Sorry.

Parents are divorced. It's kind of illegal, isn't it? It's kind of illegal, isn't it? You rented a car for someone else because they didn't qualify age-wise. Nah, that I don't know. I don't know if that's illegal or not. I can't tell you. Uh-huh.

And the guy never showed up with the car, so I asked her for the money back. So that one doesn't really, it's going to come back. I give the kids back. We'll see, the phone, the phones that you purchased for them have a came back. Good luck. No, this one's going to come back. I asked Toro for the money. And I gave the kid back here. Oh, Toro. You asked Toro, and they said... Yes, they're going to

refund me. Why haven't they? They said seven to seven business days. Since? When? Like, last week. We'll see. I hope so. In the way, you still put it on a card that has a balance that has a green interest. How was this seriously continuing? This is so crazy.

All right, Sapphire. You owe $1,261 $0.65. Minimum monthly payments of $40. Takes five years to pay off. If you don't purchase, of course you're incapable that, oh, looky, looky. We have $95 of fees just this month. And then $25,17 of interest and $51 and $80 of purchases, even though you only made a $40 minimum payment because we're in our lives in every way whatsoever because we don't care because we've given up because there's nothing to live for. Oh my goodness. There's still another credit card next? This is insane.

You got premium. And then you also, a FICO, you're paying for $4.5. FICO score? Credit karma, it's free, dude, it's fine. Oh, okay. Yep, yep, yep, yep, yep, yep, annual membership fee right there. And then you've also had about the late fee every single month this year. So it's just like, ha ha ha ha. I'm giving up. I'm giving up.

Are you, like, because I, again, I don't have anything to latch onto for you as a reason to be like, let's go ahead and change for this. But you've given up. There's nothing here. I can't do anything for you if you're just gone. To your life. $20,221.71. You get disability for the rest of your life forever. And yet you've thrown away free money,

free college, all that military benefits and getting houses, all that shit, you're just thrown it away to swipe on credit cards. What a joke, man. You owe $20,000, $2,000. $1.72.72. I'm a monthly payment.

No wonder you can't afford life. $501.81. Interest, $153.53. That month alone. Then $39 to fees. Let me guess late. Yeah. What a joke.

How? How would you get this? How did you rack this all the way up? Yeah, it's a late payment. Shocker. Oh, yep. And that's a personal loan. What?

Oh, it is a personal loan. American Express personal loan. Why? For what? Originally, the loans were to consolidate my debt. You just bragged at the beginning. I didn't go through bankers. You basically did the other thing.

What a joke. Go on. Keep talking. No. Originally, I had all of my cards paid off at zero except for two, the two Navy Federal credit cards. This is right before the divorce essentially started happening and all this other bullshit. Ladies and gentlemen,

I'm going to say this to you because I don't think saying it will matter because I think this is done if we're being completely honest. But do not consolidate any debt or go through bankruptcy until you have proven you've changed your behavior and living in a budget, living within your means for at least six months,

because then you'll end up right back here. You can use our budgeting app and take our budgeting course and all that to help you get to that level if you're not there yet. But my, What a golden example of how to... Everything.

Be honest, dude, I don't know what the fuck happened. When I left the military... I do. You spent. Well, yes. But here, let me tell you how bad it's gotten. When I left the military in 2016, I had $1,000 in credit card debt and I had $10,000 savings.

I've gone from that to this. And yet you have no reason in your life to change it. And you have no reason. ability of self-reflection or care. And that's what scares me more than these numbers. A Solify personal loan, too? Yeah. Is this another consolidation?

It was supposed to consolidate the two Navy photo credit cards because the payment was actually more on the cards. Oh, that's a 12.76% interest rate. You know, $19,691. What the fuck is this piece of dog shit do-do? The actual monthly payment is 1427? Yes. What the f-f?

What the fuck guy? Part of the reason I'm here. I'm here, because I don't know what the fuck anymore. I really don't. And it hurts, you know. It hurts. It might not look like it. It might just be like I'm scoiffing off, laughing, coping with the fucking laugh.

But it hurts, dude. Like, I have never been this financially unstable. I've, I'll get... When were these taken out, these consolidations? And the cards brought to zero. When was this? Right before my wife asked. right before I filed for divorce and my wife decided to...

So the end of last year? Yes. So this all got up within five, six months? Well, one of the... What are you? Someone who went from being relatively stable and on track to paying up debts. Oh, dude. Dude, I don't know.

So the SOFI loan was taken out last August. It's okay. The Amex Car was... Look what you've done in a year, even just less than a year. I'm done. Type in your address. My audience won't know. Type in your address.

That's fine. Of the house that I'm looking at this mortgage. Yes, yes, yes, yes. How many discounts does USAA auto insurance offer? Too many to stay here. Multi-vehicle discount. Safe driver discount. New vehicle discount.

Storage discount. How many discounts will you stack up? Tap the banner or visit usa.com. com slash auto discounts. Restrictions apply. Your mortgage is 1726.05. Yes. And you owe $304,493.991 at a 4.5% interest rate.

Okay, it's only worth $320,000. So if you sold this today, you would likely have to offer up money. Yes. There's no equity whatsoever. A little bit, but after costing everything and commissions and bullshit, yeah, you'd be done. You'd be underwater. So this is not a good housing situation.

And interest rates great, but how do you afford a new roof if something happens or a leak or a H-FAC system or really any million things that can happen with the house. I'm currently looking for roommates. Yeah, that's a minimum. That's a minimum, buddy. That's a fucking minimum.

Checking account, $13. Is that it? I don't even see anything else. Oh, this is the safe? What is this? Yeah, Chase, $13. 146 in this Navy federal. Utilities and Zelling,

Zelling, Best Bike, Best buy. Not even the best buy cards. This is best buy. Didn't give you my Sofi checking account? You can pull it up. My taxes just hit.

I missed it. My taxes just hit, which is a good thing. If that's it, listen, and it's going to just go completely away. And even if it goes

towards the debt and not towards bullshit, the debt will be brought back up because look what you've done. Okay. A couple thousand in here. It's because the taxes. came in.

Yeah. That's why. Bills. Bills. Yeah, this is bills. Great. So all are spending is on credit cards. So it's the opposite of,

here's the thing, dude. Let's just be honest. If I added up all these monthly payments, it doesn't work. No, it doesn't, especially with income. So here's the thing. A budget isn't what's necessary

because I can budget and then you'll be underwater. It's like, okay. There's a few things. One, you just need to go pick up three more part-time jobs. Like Dave Rumpty says, I both have a debt problem and an income problem.

Hush now. Hush now. You need to go pick up a million part-time jobs until the sale of the job starts. We're not going to hire you. And you need to prove to yourself that you are able to live within a budget

and make just your minimumity payments or just let some of the minimumity payments go. Honestly, just let them not be paid a little bit and get some late payments to hit that credit or prove to yourself that you. you can budget for about three to six months and then go through bankruptcy. If you can prove that you're able to budget, manage your finances, and actually maintain life in a reasonable, disciplined way, you can go through bankruptcy.

That's what I would do if I were you. And you're going to go make all the income you can now, work in a million different jobs until this other job starts, live within your means there, prove that you can budget. show me when you come back on the financial auto follow-up channel and then go through bankruptcy because you're never going to like this the amount of income you would need to earn to get into the situation like at a minimum I would call the banks and just be like hey you know I'm I'm please please please please they'll bring the interest rates down to like 15% some will even bring it down to like 5% 1% 0% then they'll close the cards but that at least helps

with these minimum payments I don't know how the you can afford them even your 63,000 dollar your job, it's going to be tight, it's going to be hard. Yes, bringing roommates. Bankruptcy might be a play here. So you brag about no bankruptcy? It's honestly what I would do. But you have to prove that you're not going to end up right in this position again, just like you did after your consolidation. Because if you go through bankruptcy and you didn't change your behavior, I will be seeing you on this show in an identical situation in a year or two. Okay. Now, ladies and gentlemen, I am going to make the hammer financial score, but I will be seen you on the show. will say there's something he didn't want to talk about in front of the paywall for the post show because there's hundreds of thousands of people watching this but in the

post show we are going to talk about some juicy drama so make sure you join that hammer elite is the best youtube membership in the history of the platform the platform themselves has said that consider join really help support the channel thousands of hours of extra content but your hammer financial score you're lucky you have a house spending in a budget easily overspent you weren't making payments it was ridiculous debt missing payments zero out of ten surrender to season minimum of payments that doesn't make sense. First time I've given a zero out of ten without IRS debt or anything or collections, but that's horrible.

Emergency fund, a couple thousand in your checking. I'll give you a two out of ten there. This is because your tax return just hit. Retirement, I mean, you've got the disability thing's interesting. You have anything to TSP? I have $1,000

with shop. Okay. I'll give you a one out of ten. Real estate can't just go sell it today, so it's not a great situation, but at least you're in there with a low rate, four out of ten. It's the only thing that's going to give you any semblance of a score. So that's going to be a hammer financial score just rounded up to 1.5. Ladies and gentlemen, join us for the Post Show. It's going to be really good.

And don't forget, download the budgeting app, make everything automated, make your life a lot easier. Sign up for the annual version. I'll send you our cookbook and budgeting notebook that can't be purchased anywhere else. I'll sign by me, mailed directly to you. Join us to the post show. I am going to lovingly read you for Felfth right now and tell a bit of the story that we could not tell. like, hey, it's my last day here, but you're here for another month.

I've noticed that some days you wear your ring, some days you don't, you want to talk. It sounds like she was waiting to pounce the second that you were out of a marriage. She casts me fucking another girl, cheating, whatever you want to fucking go let. Cheating. Cheating.

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