Financial Audit - Most Delusional Woman I've Ever Met | Financial Audit

Episode Date: March 1, 2024

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I'm going to say you bring in 4,000 hours a month. No, I don't. You don't know. You don't count your cash. You don't know what you bring in. Hello, my name is Marie. I'm 27, and I am based out of Dallas, Texas, and this is financial audit. Welcome down from Dallas.

What do you do up there for a living? For two years, I was a truck driver. What are you doing for a living? A truck driver. You're a truck driver right now. Okay. I was under the impression that you're a delivery driver. No, I did it for two years, but now I do shuttle van, and then I also work part-time at Domino's.

What shuttle van? Like, I pick up pilots and flight attendants at the airport, and I take them to their destinations. How many hours a week are you doing that? 40. 40, okay, and that's good, and then we're working part-time on the side, so that's a lot of hours we're working. Yeah, and I hate it. Well, which one? Dormos.

Domino's. Oh, delivery driving for them? Mm-hmm. Okay. So what are we making at the shuttle job with 40 hours a week? $18 plus tips. On average, what are we looking at bringing home for tips? I don't know.

I don't count it. I just, I get in, I spend it. So I don't know, $20 a day, $10 a day. And tips, that's it? So they don't really tip for these. Well, a dollar and stuff. So I don't know. That's what they tip.

So they do the little drive and that it's like a buck. my hair. Well, that's bad? I don't know. I've never taken one of those. But I'm just like, if someone was doing something for me, I feel like a dollar tip is a little rough. But okay, so that's $720 a week. I think so. Yeah. Plus, and then you said an extra $10 a day? Uh, yeah, 20. So an extra $200 a month. Well, I don't count my tips because, you know. But it's money. It's money that you bring in, so it's money that you have. So we had contributed it to the income. Okay. Right? No.

What do you mean? What do you mean? If it's money that's coming in, would you consider that? I don't use it for bills. Shouldn't you? No. Why?

I use it for fun money or eating out because... But, spoiler, you're homeless. I feel like you... I feel like we don't have bullshit money when we can't afford to put a roof over our... Well, I just became homeless just January, so it's like... Okay. I don't think we have bull-f-money when we can't afford to live some.

It's not bullshit money because... You just said it was spending, like, on fun. Well, not fun eating out. Yeah. Okay, but I live in my car. I know, I know, but, okay. Well, we'll get into it. And then how many weeks, how many hours a week are you doing the delivery?

A dominoes? Yeah. 30 hours sometimes. Don't you do a little more as well? I'm not mistaken? Uber eats. Yeah. I'll do that whenever I feel like I'm in the mood.

So there's a lot of variable income in this. So it's just like, I'm like, okay, what are we actually making? First of all, why? That doesn't make any sense. I had a total income coming in $1,644. Did you like take time off work or did you just get this job? Yeah, I just got this job. When?

Both of the jobs, I would say February this year. Okay. We're at the end of February right now as of recording this. My first job, the show, I only been there for a month. Okay. Okay. Well, that's fair then. So how'd you become homeless?

What happened? Um, I didn't have enough money to for a down payment on an apartment. And I had this brilliant idea from car living. They are fucking liars. I bet you they do that on weekends. Don't trust YouTube content. We had one on the show recently. Did you see that episode?

What one? It was a few episodes ago from the time we recorded the, she's living in her car and she believes in like van life and all that no that sucks okay especially if you're big you should never do car life but i had this brilliant idea that oh i'm gonna get me an SUV and i'm gonna sleep out of it and stuff and i hated it so now i'm trying to get apartment i wanted to talk about something real quick that really changed the game when it comes to investing we all know that starting your investing journey can be overwhelming and maybe even intimidating

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there would really be no reason for you to not be able to put a security deposit down in like last month. Well, I just started. Everything that just happened in January because I quit my- So what were you doing before? Truck driver. You said you quit? What?

Is that what I thought you started to say? Yeah, my truck driving, I quit. Why? Because I hated it. Yeah, but you need to be able to live. But mentally I couldn't do it and physically Okay, what's better? Mentally physically working that job

Or mentally physically living out of a car I thought living a car was better Thoughts and now we know It sucks Okay so that job's better What the joke? Hell no So being homeless is better than working that job

Yes, I'd rather be homeless Than go back over the road What was so bad about it? It was over the road and I hated it I wanted to be local Okay Well, why not like search for more local shipping. I did. I did. I did get a local trucking job. It was a yard driver. And then I

quit that job because they were unorganized. Like hell no. No. I hate them. Go into more detail. What do you mean you quit because they're unorganized? Okay. How did that impact you? What was your day to day? What was your life? Why did you actually quit when you couldn't afford to live? At the time, they didn't even train me. Okay. So they just put me in there and I got stressed out and I started cussing that people and then I just love. Well, that just sounds like you just not being able to control your emotions. Yeah, I'm angry a lot. I got, I'm crazy.

Are you diagnosed with anything? Diagnosed medically by a professional. No. Okay. I think. I got angry issues. Yeah, you got anger issues. So that's just you mean.

I'm always irritable too. Huh? I'm always irritable. Whatever that says. Yeah. Okay. And okay, so you recognize that. That's what we're typically in our situation.

We're just trying to survive. It's, I mean, that's just you acting on immaturities in a way. And then quitting and then not being able to afford to live anywhere. That's like your actions. That's not. Okay, but still, like, you don't want to be out of a job that you don't like. No, of course not. You take it out on other people.

No, no, but you know the proper way to do it? One, don't take it out on other people because you're just, that's just immatural. mature. And two, I mean, it's like behavior here you control. I do, I get angry pretty easily as well. Shocker, you know, we're here on the show. But you love your job, though. But I love my job, but I have that. However, however, other than slip ups here and there, which is going to happen to everyone in any kind of issues that they deal with, in general, what a mature individual does is continue to work on themselves and they learn how to manage those emotions. You're just like, I quit because I'm going to always be angry you do all the stuff. Now, okay, let's get you out of that job. I would want you to get out

a job that you hate anyway. I'm not even saying I want you to stay there. But we stay at a job. If we don't have a fully funded or emergency fund and we can't afford a place to live, we stay at a job while we're applying for other jobs. Like it's a full-time job. Then we land a job that's better, and then we leave the job. This year, I'm going to get my stuff together. So what does that mean? What's your plan? What's your plan? My plan is not job pop anymore. Okay. How's it going to be different than the past? Because that's what you've been doing. So what's different?

Well, this car living has humbled me. I don't want to live in a car no more. Sure. So. Reasonable. But I really want to quit Domino's because I hate it. Did we not just say a statement like, we're done job hopping? We're kind of done green jobs. I feel like we went back on that within about five seconds. Like if I have a, like my first chef, I love it. This second job, Domino, it gives me, anxiety coming in there because one day just they never trained me so I don't know what the hell I'd be doing I'd just be standing there looking like a fool I've worked in jobs very similar to dominoes

though it's not terribly difficult yes it is I can't keep up I'm like the oldest person there I'm working with high schoolers how old are you again 27 yeah and if the high schoolers can do it I promise you can no but when it gets busy it's like dude it's stressful food service is stressful. I did it for many, many, many years at two different places. And then multiple chains within the place I was at the latest, Jimmy Johnson. That's a very fast-paced job. Not as much down here because no one really eats it down here, but whatever. Up there it was. And trust me, I get it. And yeah, a lack of training. That makes it hard. But that's where it's just like your responsibility as someone who wants to make money and wants to survive in a career field to then grind in.

Dig deep. I could get a better job, then. Sure. But again, your statement was, I just want a job hop. Or I'm done job hopping. And now you're like, but I want a job hop. I'm done this year job hopping, but I'm going to job hop. A little little job hop. Then probably hop again, because I keep landing in these places where they don't train me, apparently. So I'm going to job hop.

Okay. Do you not see how that's contradictory? So your plan, your personal plan. I'm just going to, well, after talking to you, I might not leave. dominoes. I don't know if I find another job. Listen, so we haven't, like, we got to get the whole financial picture before I would say, yes, leave or don't leave. But my point in what makes me nervous is, you said you have a plan to get yourself in a better position this year and fix your shit. You gave me the first part

of your plan and you contradicted immediately. So you have no plan. Then what's your plan that doesn't contradicts itself? There's too many plans. Well, that doesn't work. You don't have too many plans. You take a plan, you figure out what are the actions required along that plan to get to the final place, and then you do those actions. Okay. The first plan was to work these two jaws for a year, but my feet hurts when I work at dominole. Just welcome to fucking. I mean, I don't know. That's hard for me to have sympathy on that.

People stand up all day and work. Nurses are on their feet every single second of every day. I was a CNA for seven years, okay? So I understand it. But my second plan was to go back to school, but, I don't think I can I don't think that puts a roof over our head unless we're taking out student loans and using that as an apartment

fund Okay Correct Correct? Were you going to be homeless throughout going back to school? No So how were you going to put over a roof over your head with you paying money I was thinking about going to school

But now looking at my finances I can't right now Okay so the two plans you have Are Work the two jobs for a year But our feet hurt, so we're not going to. Or go to school of which we pay for and they don't pay us, and there's no way to pay for living. Or get a high-income job in a trucking field, but I don't know. They work you like a slave.

And then the fourth plan was to go back to school and get a work-from-home job. Some jobs, I mean, yeah, some jobs are shit. I've had jobs, dude. I've had jobs and I've had great jobs. sometimes when dealing with the crap you've gotten yourself into, we work the shubs temporarily to set ourselves up for success. It's a temporary sacrifice in the long, long, many decades of your life left so that you can live a better life.

You're trying to get the most amazing thing right now, which I'm not against. Again, if you got it, that's great. But you're like deline you getting out of your disaster by wanting this best job ever. And I feel like from everything you've said, from everything you said, feed her, multiple jobs in and train me, I'm getting angry at everyone. They work us like a slave.

All the language you're using around this, it sounds like you're never going to land a job that you're happy with. No, I hate job. I hate working, to be honest. Well, there we go. And that's like... I mean, I'm a hard worker just mentally. I can't do it. What would you rather do?

Just lay all day? No, I'd rather be financially stable. What would you rather do all day? Um, travel. I don't know. Yeah, that's not a job. Well, actually, it kind of was. You were a long road trucker traveling.

And that's what you complained about. And now you're like, I want to travel all day. Well, I ain't have money to go travel. Plus, I didn't have like, oh, I don't have the looks to go. So I just never went travel. Looks to go, what? Like, my insecurities, like, I don't know, like last two months ago. I was in Los Angeles.

Yeah. 20 minutes away. Didn't have the money to go travel. 20 minutes away? To go to Los Angeles because I was dropping a load in California. Yeah. And I didn't have the money to travel. I mean, that's what happens when we build up credit card debt and we're over our balances

and we don't have a fully funded emergency fund. That's a discipline thing. It's not like you didn't, you've never made money. You made money during that position. It's you managing your money and eating out constantly. And that was before you're homeless. Now it's harder to actually prepare food because you don't have a stove. You don't have a fridge.

You don't have that kind of stuff. So it is more difficult now. But you're not doing that starting now because you've become homeless. You've been doing that forever. What? Your money just flowing out on bull. Oh, yeah. I mean, every American is like that.

You want to be like every American. Every American who half can't even $4 to $500 emergency. That's what you want to compare yourself to? No. Every, no. Cool. Then who gives a shit what everyone else

who's doing bad is doing? Don't you want to be doing well? I don't give someone. If someone's over there fucking up and not like, oh, I can fuck up to because they're fucking up.

That doesn't make any sense. What kind of, what is that? That is an ultimate mental deflection. You deserve to live a good life. I mean, yeah. You gotta work for it. That's hard.

Yes. That's the system we're in. I could be, Some people want me to be the guy that's like, oh, the system. Oh, man, I wish your dinner had to work and you could do whatever you want, give you a handshake, you walk out the door. You get nothing from that because congratulations. When you wake up tomorrow, you're in the country you're in. You're in the economic system that you're in.

So it's not productive for us to have a I wish, I wish magic and rainbows conversation. This is what you have to do, is the conversation I try to have, to exist in the system we have and for you to be successful. If you're going to be lazy, I mean, this, our system does not. reward those who are lazy. It's not lazy. I'm just mentally fatigued sometimes. It's hard. Okay. Well, maybe because I eat too many processed food. I don't feel like working sometimes. I kind of wanted to say that, but I, you know, you got to be delicate in these days with how you want to phrase things. But, yes, there is, there is the fact. It be, I'm a, I'm a thing. And I got energy issues with it. I do. And that's why I'm starting to lose a little bit of weight again, again, again, again.

And I got some equipment to start working out of my house. Now I just got to do actions around it because it gives me more energy. I live longer. We are not the healthiest people physically. We're not. And that very much contributes to what you're saying. So why haven't you did anything? I am.

We eat quite well here other than a meal here and there. But we eat well here. I'm eating well. And like I said, I bought some equipment to use it. home that the home the room that we used to film this in is now in so I am doing something why aren't you doing anything uh well I don't have no one to help me I don't have no one to help me no one's teaching me how to find manage my money no no we're talking physical here you just said you just said because I'm eating all these processed

foods as if I don't have any energy I don't know I don't know I can't stop eating out I bet you can't stop eating know? I can. Yeah. My stomach curse right now. Well, don't fart or anything. Well, we don't need that in here. Okay.

What would you give yourself a score? Zero to ten, zero being the worst finances ever, ten being the best finances ever. Where is your score right now? Let's say one. Yeah. If you want your Hammer Financial score, you can get it for free in the description below.

Also, you talked about education. Talked about education. One thing that I'm able to do with the people I partner with is instead of you spending years and years in school, which I'm not opposed to either, just a little opposed in your situation because you can't afford to live. So how are you going to do school? Debt. But I can gift you, if you're interested in the tech field, I can gift you. You're not interested in the tech field. I was going to give you a course career certification, but never mind. I guess we're going to be very picky about where we're making our money from when we can't

afford to live, sure. And we're going to be very picky about our income when our balance on a credit card is currently $4,031 when the max credit limit on this card is $4,000. That's the interest payment. Yes. So. And also $70.37. I haven't been able to use that credit card because it's maxed out, so I don't know.

Says the person who went to McDonald's KFC, Chick-Fauley, Taco Cabana. When was that? Last month. We always go over the most recent month. My, duh, because I was homeless. I had to eat. You just said, but I don't spend any money on that card.

And then I went through it and you spent money on that card. I haven't spent money this month because it's maxed out. Yeah, I'm going to take that as Coplaff because. No, you're funny. No, okay, go, go. What? It's not a joke, though. And not.

Listen, dude, you're living out of your car. I want you to live somewhere where it's safe and secure. You're a human being. I don't want you to be in a dangerous situation. I don't even. It's not a joke. I know. So this freedom card, freedom to not have a roof over your head, is $4,031.

And 86 cents. I paid it off. No, I didn't. I paid. I made some payments. So now it's $3,000. 980, I don't know. 3,900.

80 something? Okay, so you put like 100 bucks towards it? Yeah. 3,980, so not even? All right. So it's $20 for being maxed out. Progress nonetheless. I mean, you made your minimum fee payment, is what you did.

Yeah, because I got paid. Yeah. $109 minimum minimum fee payment. Pass due amount. We had a fee for past dues, and then we had a fee for a balance over the credit. And then we had interest of nothing because it's in an interest-free period it's an interest-free period yet

somehow you're still losing money on it because you're just not okay yeah lay fees and well I didn't have a job at the time so I couldn't pay it because you quit your job because you quit your job if you're fired that's a different story you quit your job you chose to not have the income chose choice well I got a job was not assigned to you I got a job the week after so it's not like I'm quitting I can't find a job you quit and couldn't pay your damn bills. Because the job sucked. You chose that.

I didn't know I was going to suck. You chose to quit. Because the job sucked. Okay. How are you going to survive? How are you going to survive? You're always going to find something you don't like a job. You've quit multiple jobs.

Your job hopping. Your feet hurt. They work me like a slave. All these other little things that you say. How are you ever going to land a job that you like and don't quit after three months? Well, after maybe talking to you, I might not quit my jobs. Yeah. you might have a fire letting for a week, but if that is your mentality, that scares me for the longevity of your life.

How are you going to build a career anywhere? I don't want a career. I hate careers. Do you understand the economic structure that you live in? No, I don't have a career like, oh, I want to be a lawyer. I just want to get a job and be financially stable. A lot of that comes with building a career, though, at a place and getting raises and benefits. and yeah

Ugh survival gross I was thinking about like getting passive income like you know get a rental property and have no

how how possibly would you get a rental property you can't afford an apartment in the future I mean sure that's an unproductive line of thought right now though I have just no offense I'm not saying I don't want you to

$1,916 and $3. You're not willing to work How are we thinking about rental property? I know. You're not willing to... You said, but you quit constantly and you don't want a career in all this language

and... But let me get a rental property. Mental property is a lot of work. It's a lot of work. It's a lot of work. It's a lot of work. Yeah. Dude, managing tenants and repairs.

It's always breaking. It's a lot of work. You think it's just a sit-on-your-but-type thing? Unless you hire it out, but it's still expensive if you do. $1,916 $1,0.36 minimum monthly payment. No purchases, thank the...

Because the credit... We're $216 over the credit limit. Yeah, it's a good time to quit a job, isn't it? $30 of fees charged, $44. And $69 of interest. At 30%. I'm sick. Oh!

But guess what? We got a dollar and... uh what was that dollar and 45 cents of credit card points yeah i think i max my points and i paid it off i didn't use it hey didn't you redeemed it yeah and i paid that i redeemed the points to put it towards the credit okay yeah but 30 percent is hitting you what kind of car do you have what's your car uh 2021 Chevy equinox okay so on this car we have a 546 dollar minimum monthly payment. When'd you buy this car?

Last month. How? What you mean? How'd you get the loan jobless? Wow, they was hounding me. Like, are you going to keep this job? How much you made? I'm surprised they even gave me the car loan. Yeah, me too. That's why I asked. Okay, what's the interest rate on this? I don't know.

2021, by the way, Equinox. I think you said 12%. I don't know if I... It's not on there. No, it's not. You don't remember what you signed up for? I signed up for. What you mean?

The credit limit? Or the interest rate? I know it's 12%. Oh, you know it's 12%. Okay, you said I think it's 12%. Mm-hmm. And do you know the term on this? Like, how long?

72 or 84? Oh, come. Better not be... Okay, okay. So that's our card. $27,277.27 $1.27,000 with a $546.93

minimum monthly payment for many, many, many, many years to come. Man, I regret it getting it. Why? Because I can't afford it. Correct. Which is how I'm beyond surprised that you received it in the first place.

Well, because at the time, I wasn't working. Wow. I wasn't working. I literally quit my trucking job and they just, was a hounder. me about my income and I don't know I got approved because I guess they got a good credit score. How? How would you have a good credit score? You're over your balance. It doesn't make any sense. Do you have any other debts? I got a student loan. When did you go to school?

2018. How many years? Or semesters? A year. Okay, so you dropped out. No, I finished. One year? Yeah, it was a one year program. What was it? Medical assistant. Okay, what's your student loans? about 7,000 I assume you're on income based Then you're just not paying No, not income base You're not? No

That's meant for someone like you Okay, so It's only like $100, but I did make some payments Last month No, why? Because I didn't have a job Yeah, because you quit your job You know, they garnish

There's only been a month Since I missed the payments Yeah, but that's that, okay If that's acceptable in your mind, then your entire mindset on finances is incorrect. You should never miss a payment. I always been paying my student-in-law-off. Except for the time you didn't.

And stuff. It's just one month. Which is all it takes for you to have missed a payment. I'm confused. How... Whatever. It doesn't matter. What? I don't know. Your mindset scares me. No, I really want to get help.

I know. No, no. I think you do. I truly do. I just think your mindset is dangerous, and I don't think I'm convincing you of that. Yeah, I'm convinced. I don't want to leave in my car no more. I know that. But the actions along the way that have landed you in that situation other than just not wanting to live in a...

I'm stressed. What the fuck? Okay. No, it's just all of this. Yeah, it's stress. Oh, it's stressful. Money is a stressor. Money is a stressor, and I feel empathy towards that.

But your language is scared me. That's all. $0 in our checking account. Not great. Not great. Well, I have money now. How much? You handed that time.

No, I don't got no money. Huh? I don't got no money. All right. All right. Church is chicken. Las tapito. Tapido.

Los Tapidjo. Wendy's McDonald's. Chick-fil-A. drinks in a gas station. KFC, Coles, Lilies. Nails? We can't afford a roof over our head,

but we're getting nails done? No, I needed my nails done because my nails were long and I wanted to. they cut them. It's called a clipper or a teeth? What? They just clipped my nails and just cleaned them up.

I know, but just, it's the, it was a hundred, uh, 46, oh, Coles was $117.

If you can't, listen, if it was a one time purchase. Yeah, it was a one time purchase. If it was a one time purchase and our finances were a decent shape and it was in your 50, 30,

it would make perfect sense and I would give you a high five. You literally cannot afford. But I need my nails cut because they were long. Do you know how to cut your nails? No. I will show you. No, I'm talking about my toenails. I'm talking about my toenails.

Oh, clipper. Yeah. Yeah, clipper. A clipper. A clipper. A clipper. I could have done that. Could have done that.

And you still can going forward. Jamaican me hug? That's a Jamaican restaurant. They got some really good oxtails. Congratulations to their oxtails. I would like you to live in an apartment. Chick-fil-A, jack-in-the-box. First of all, just really, we're not eating anything healthy.

Well, they're cheap. So it's like... Not the way you're doing it. They're spending a lot of money. $20 a $20 at Chick-fil-A's a lot of food. $20. Yeah? What did I get?

Like, if I go get a meal at Chick-fil-A and that comes to the shake, it's like $10, $11. We're like a large frying of Chick-Fle-D-Lux. $20 for Chick-fil-A? $20 for Chick-fil-A? Huh. I don't know. Maybe you're reading it wrong. uh

nope I'm not I have confirmed that I am not okay okay jack in the box something that's square oh the home

the home D that time I was trying to do like what they did the carving like their window reflex miserable fail wasted money on that bead queen

that's laundromat okay totally fair totally fine C's pizza less fine. It doesn't really taste like anything. I haven't had C.C.'s piece in a long side. I just wanted to try it.

Great, but I would like you to try living somewhere. That doesn't make sense. In and out, basically trash. May as well eat out of the bathroom at that point. KFC, KFC Sonic Drive-In, McDonald's. Cedar Hill government, $5,0.40. That's the library. Okay. And going in and getting some drinks at the gas station.

Getting some tequitos. Coles. Again. Go in and getting some... Family dollar, it's really hard to tell. That could be okay. It could not. I really don't know.

Sonic Waterburger Pizza Hut and going in and getting some drinks, tequitos. I hop extra space so you have stuff that's just nowhere to put it. Mm-hmm. And purchasing something that's... Lots of places can expose you to identity theft. Oh, no. That's why LifeLock monitors hundreds of millions of data points a second for threats to your identity,

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your first year at LifeLock.com slash special offer. Terms apply. Square again and then purchasing something to the square again, $647. That's Cash App. Oh, so that's you transferring it to cash app? Yeah. That's $6 $6 is

That's my auto insurance $1.6666 in the cash app Oh, we're back! We're back! We're going out to eat! Sonic driving, going getting some drinks from QT, Subway, Chick-fil-A, Tequitos, Taco Bell, Chick-E express.

Taco Bell, McDonald's, McDonald's, Tequitos, Tequitos, Raising Cains, Dairy Queen. $100 came in, someone gave you 100 bucks, or was that from yourself? No, no, that was my aunt. She gave me $100. Why? Because I told her I needed money for gas.

Yeah, that's what I was assuming. I wonder if she's enabling your behavior, though. She don't know I love in my car. Why'd she give you money if she doesn't even know your situation? Because I'm not going to tell her. I know, but why does she give you money? Because I needed gas. I know.

Why she gives you money if she doesn't understand your situation? You're just like, I need money, and she's like, Oprah. She's my aunt. I know, but you typically don't want to enable anyone's bad behavior. If you're just giving money without any questions or understanding. I'm asking for that money a lot. Waterburger, Dairy Queen, $0.22 cents and savings, so no savings.

Correct? No retirement, neither. No. Do you want to be able to retire at any point? Yeah. Okay. I want to do the whole fire movement. No, shut up.

That's a prank. What? You're pranking me. What's wrong with the fire movement? Fire moment's great, but you start doing the fire movement at 20 or 27. Fire movement? Usually you want to retire by like mid-40s or something like that. How are you going to retire?

What fire? Firing. In 10 years, I would start like at, well, 28, and then, I don't know, retire in my mid-40s. How much money do you think you need to retire? How much money, a lot? That's not a number. How much money do you think you need to retire? I don't know. Oh, my gosh. How are you going to do the fire movement if you don't understand even know, you don't have a number set? You do it for me?

Yes, to prove that. That's stupid that's what you're saying. So I'm not going to be able to retire? Are you kidding me? In 10 years? Buddy, you have zero dollars in retirement. Okay, but when I start making good money, then... How much money do you think you could live off on a yearly basis? Give me that number.

I want to travel a lot. I don't know, like 30K. How are you going to travel a lot with 30K? Unless again, you're living on a van, but you hate that. No. I'm going to have a paid off, not paid off, but I'm going to have, like, tenets. Like, you know, house hacking? Have someone pay my housing?

and my bills. So you're saying you're also going to get a house and safe up? No, the rental properties. What? Now, then, I just think you may have been sold a dream on TikTok and you don't fully understand. Okay, on YouTube, I don't think you fully understand what goes into it and what's required. For the fire movement? Yeah.

Well, you're just saying this going to happen in 10 years? So, okay, fine, 30,000 hours, let's say. 30,000 hours? Is that what we're saying? Well, I don't know. If we're going to fall a 3% so that you basically never run out of money is what the thing is we need to essentially get to a million dollars in 10 years. Million dollars invested in 10 years.

A million dollars. Yeah, if you want to withdraw 30, if you want to withdraw 3% a year. Maybe I could live off less. Less than 30? How? I don't know. I'm single, no kids, so. Do you want kids?

Do you want to be single? No. I hate kids. Okay. okay well I want kids but I don't know oh boy okay you confuse me I confuse myself too I just you have plans that are basically impossible and that's what you're basing your life on

I was impossible you gotta get a million dollars in 10 years is what you said following 8% a year in return on average which is the stock market since the stock market started You would need to contribute $6,000 a month. That's fine. $6,000. What the f***? You can't afford an apartment.

Are you pranking me, legitimately? Are you f***ing me? In the future. What future? How are we getting there? You can't just, you can't, you can't manifest it or something. Are you one of those manifest people, if I had them on recently. Are you, how do you get it?

How do you get it in the future? You can't just say, in the future, I'm going to get $6,000. How are you going to do it? How do it? With a high income. Okay. How are you going to do that? How are you going to do that?

You don't even want to work in the tech field. How are you going to do that? That's like the easiest high income. A trucking business. Trucking business? It's called owner operator. Okay. You could become, since I have my CDLs,

I could potentially become an owner operator and make a lot of money. By getting a truck, right? Yeah. And just. You know the debt that people go into to get a truck? Unless you have a good credit score and stuff. There's no way you have a good credit score. Oh my gosh.

In the future. What is this future thing? You can't have a vision if you do not have the steps to get there. You have zero steps, zero plans, zero anything. You're just saying this will happen. That is not how anyone ever becomes successful in the history of ever. Unless they literally win the lottery, which I would not recommend you doing. Well, when I get this fix and stuff, my next plan is to either go back to school or start a business.

Start business is not a quick way to wealth. Most businesses fail. And even the businesses that don't fail is middle class successful maintaining business. And you work until you're 60, 70. So I can't get a business? I'm not saying that, but this is not the magical solution that you think it is. Because, okay. You've been, I think this.

Like, okay, with the high income as a truck driver, you can't make a lot of money. And one of my plans is. The debt, you have to, the cost of one of those semis is, insane. Okay, not go and get a semi, but work a high income at a trucking company. Oh, you know, just go work on high income, sure. Why aren't you doing that now if it's so easy? Because I have to study to get my upgrades. Uh-huh. And when are you going to do that? When I get an apartment. Okay, when are you going to do that? When I save? When are you going to do that? When I get my paychecks? Okay, you're getting your paychecks, but you're not saving.

you have one sentence. This is like my second paycheck. And it all went out the door. And you still have maxed out credit cards. You only put minimum monthly payment stores. You've sent everything on fast food. Trust me, I know it's very difficult in your situation for food. I really do.

But what we could at least do if we're trying to get to a goal, actions need to be implemented in order to get to a goal. We have a big cooler that we stop and we get ice. Okay. I was going to do that. Why haven't you done that? I did buy a cooler. but I had to return it back because 18T, that's my phone bill, turned off.

I was like, oh, crap, they turned my phone, so I had to scramble up $200. But then I realized they had an outage, so I was like, oh, I'm going to pay my phone bill. Oh, yeah. I remember that, okay. So I just do payment plans right now. On the cooler? No, on my phone bill. What's your phone bill?

215. What the What the possible My partner with helium Can I at least get you set up With them for 20 bucks a month They use the same hours Now my phone is finance right now

I gotta pay that off Plus I got a laptop And an Apple Watch Finance Why do you need those Well this was when I was a truck driver And I thought You know

Sell them and pay it off How am I gonna sell it? Facebook Marketplace Craigslist What do you mean? So then Sell my stuff? Stuff that you don't need

When you can't But they're on a payment plan It's finance I know You sell it Then you take that money And you pay it off Okay

You're not even wearing In your Apple Watch Yeah I don't even wear it Yeah So let's throw it They The sales person Got me

I was only there To get an 18T Payment plan And he talked me into You're the one That signed the contract No excuses You're spending

Percentages net nothing's going to debt and we're not surprised at that phone total 8.7% of your spending or $17.72.83. Transportation total, $615 and 62 cents or 31.1% of your spending. Not a surprise seeing how that's how you live. Grocery stores and food that is essentially what we consider necessary food. 5.7% or $113.66. Bull of food going out to eat. 533.33.38. cents or 26.9%. Now on that, I will say when we have our $250 to $300 food budget for a single person with groceries, that does require stove oven and stuff like that. So it's going to be harder for you. It is going to be harder. Your food budget is going to be a little higher because of your

situation. It does not need to be close to $600. Actually, with both of these combined necessary food and going out to eat, it's closer to like $650. Unknown shopping. Usually things like Amazon, Walmart, Target, never really know what it is. It's hard. $336. $1.1.0.17 or 17% of spending. Health care, 1.4%. Miscellaneous bullshit that you definitely do not need.

You stop. You go get a tequito. 2.3% of your spending. Other large purchases that don't fit in a category, 6.9% or $136.26. That is... Coles. Okay, I have a reason for Coles.

It was January. I didn't think Texas was going to get that cold. I needed warm clothes, so I bought some warm clothes. That's fair. That's fair. Can't be against that. I would try to do goodwill. Like, I would just try to budget as much as I can.

They don't get big people clothes and goodwill. Well, isn't it random, though, a goodwill? It just depends on what people drop off. So it's worth at least attempting. Because if someone like you dropped off clothes, they would have clothes for someone like you. So it just depending on what they have I guess so

And then the overstock stores Those are also decent at looking at As well It's just like the extra crap That never got sold They just send to the overstock stores I don't know if they have people in your size I really don't

I'm gonna make a budget I'm going to follow the budget Cause Well I hope so I think you might follow it While you're willing to work And I don't know how long you're willing to work the jobs But

Owie My feet seats are a little sores I quit Sorry that is my fear Total income still a little confused $3,080 from the other job Before taxes

You won't be taxed too much But before taxes And benefits of any kind And are you taking advantage of Health Insurance through them? I don't have it Why? You should, you need I just started a month ago

So I don't know Okay, make sure you're enrol Because you'll end up In a much worse situation if anything medical happens. And people in your and my position, my thickness, medical things are more important to happen to us. COVID happens, we are the ones that get hurt.

It's people who are old or fat, I fat. I'm surprised I'm still alive. Yeah, well, other things like that. So it's definitely important that you have health insurance if we're just being real world. And it's unproductive in this conversation to not be real world. What I'm confused that is the money you're bringing in from down Domino's new breeds on average.

If you could tell me. I haven't gotten my paycheck from Domino's yet. Okay, but tips, though. Are you delivered driving? Where are you working? In-house? What's your job? I'm a delivery driver plus in store.

Tips then. What are you doing? Come on. I get tips and reimbursements. Mm-hmm. Yeah. You're a deliver driver, yes. I don't count that.

I don't know. But it's a delivery driver. That's the primary source of income in that position. And I also get like an other income too, like $11 an hour. Throughout the whole thing, not just when you're in shop or anything. Like no matter what, even when you're on delivery. Cool. Congratulations.

Still, the vast majority is probably going to be tip of revenue and you're not counting that at all. Just goes out the door. So, oh, fuck. What you're also saying, you're saying our percentages are definitely off because you get a bunch of tips in cash. And then you told me as the conversation started, that immediately gets spent on fast food. So we're like probably double fast food spending because all your tip money just goes. to that, terrible for you and your finances. Let's just be honest. What I'm supposed to do with cash?

Put it in the bank. I got discovered. They don't have an ATM so I could put it in there. I can't speak for Discover, but open a Chase account. I've, I'm not partnered with them or anything, but I've been using them for five years and I've had no issues whatsoever. So, just get a Chase bank? Sure, or any other Brick and Mortar Bank or, I, of course. credit union of any kind of any kind. I don't care. Well, I was thinking, it's not hard to open a bank account.

Well, I was thinking about doing the cash envelope system. Sure. If you want to do that, that's fine. But you just said, what's the point of cash or whatever you just said? So it's like, this is insane. I'm going to say you're bringing four thousand hours a month. No, I don't. You don't know. You don't count your cash. You don't know what you bring in. Do you? This is insane. Do you, do you, this conversation, I, I'm stressing.

I'm legitimately stressing. Because I want to create a plan for you, but you don't know what your income is because you don't. Okay, create a plan. But I can't because I don't know your income. Because you don't know your income. I work 40 hours. How many hours do you allow me?

And I make $18 an hour. I know. I have that one. We're talking about that extra. You said you do 30 hours a week somewhere else. Yeah, dominoes. We need to be able to calculate that. So I'm saying 4,000 hours a month total.

across everything. With the tips include it? Yes, of course, because that's the primary part of that job. Okay. Good. Sorry. Sorry. I am sorry.

I know. I'm needed. But it's like, how can I help someone create a plan if they literally cannot give me basic information? I just started these two jobs. I am getting frustrated. I'm sorry. I'm quick to being upset.

Do I have that in common? Bestie? Okay. Your debt payment total, pain on your stealing loans, which is impressive because people, people in much better situations than you are not. So, well, and then you miss the payments, or are you really faint?

I don't know. But debt payments in total $831.93. So because it's going to be more complicated for you, because a lot of it's going to have to be like things you can't cook, but more things you prepare and keep cold, like soups and colds. I was thinking about microwave food. Where do you have access to a microwave? At work.

Okay, that'd be awesome. Or do gas. But because it's going to be harder, I'm doing your necessary food grocery store. We're not going out to eat anymore. $400. Oh, okay. And I know that's hard because I think you're pretty similar to me

and the fact that that greasy, fatty, sweet shit. Yeah, addictive tendencies. That's shit. When you take that away, your brain freaks out for a bit. It really does. And you crave it. You crave it more than anything in the world. So I get it.

But also, you're killing yourself and you're killing your future financially. So we just have to stop. Mental health help through. different affordable community plans that are in the Dallas area, or taking advantage of the health insurance to your company and doing co-pays, because you don't make it insignificant amount of money. You probably bring home, and I'll give you credit at this exact moment. You are working your ass right now.

The only thing is you've done that in the past, and then you always fall off, and then you get in a worse and worse situation. But either way, either way, you're probably bringing home right now about $50,000 bucks a year. Bringing home. Really? You just started so you don't feel it yet. Okay. and you're spending it all and not tracking half of your income.

So, yes, about $400 a month. Toad paper front, is anything else you need to survive? It's going to be a little higher in your situation, $150. It's anything else you need to survive. It's going to be extra things for your car for safety and things like that. So there are going to be extra things. Your phone bill, what is it again? $215.

Absolutely. Kill me. Your gas on an average on a monthly basis. It's not on there. No, I do. How much? Like $30 a week. What's your car insurance again?

So $120 for gas. How much for car insurance? $6.46. Holy cow. What? Never hurt? A month? Mm-hmm.

I've never heard of a car insurance that high. I think because I haven't had insurance for three years. Illegally? Like you didn't have a car for three years? I had a car and I canceled it. It's illegal. No, no, I wasn't driving. Oh, okay.

I was a truck driver. And my car, the car that I had, they wanted $5,000 to fix it. I don't have $5,000. I want you to shop around car insurances. I can't speak on that industry as a whole, like the ins and outs. But that's an insane rate. Insane. Shop around.

Shop around. Shop around. That's crazy. That's fuck. And Jim, you have. Planet Fitness. Yep, 2711. Thank God I got that.

Yeah, you have to. How much you spent on the laundry machines on a monthly basis? We had to guess. $20 a month. Okay. Certainly in necessity. Actually, that's a new total paper fund, so I'm taking that away. It's just everything else you need to survive.

We don't need to put that on their extra. Your debt minimum monthly payments, good, good, good. And that's also your Coles would be included in that typically. Not nails because that's stupid. It makes no sense. It's dumb as stuff. Clip them. Well, can I do add something to my budget?

What? Well, while I'm going through this debt payment, I do want to add, like, stuff that will keep me motivated because I do tend to get burned out a lot. Sure. That depends on how much is left over. I only give that if there's room, but if, like, you're only able to make $100 to progress on a month basis,

mathematically, we just can't. Or else you're just... You'll be doing this for decades. So, yeah, if there's, like, a large enough gap left, Of course, I'll give you some fun money. But also, it's easier said than done, but your life is what it is now. It's, and it can be so much better. That should be motivation enough on itself.

It's not always, especially because you can get into the just routine of it. You're used to it. You've kind of given up. Okay, that's fine. Sure, little positive rewards. That can be helpful, but only if it fits in the budget. Guys, it's a new year and you need to make your money. work for you. You can do exactly what I literally do right now and put my money in the best high

yield savings account. So-fi. I get a 4.6% yield on my money and I also took advantage of the bonus of up to $250 when I signed up. You can start 2024 off amazing by doing the same by going to the link in the description below. I think I have everything here. So you don't have utilities or anything like that. I don't have storage unit. Yeah, how much? 34. Storage for 34. And you do have room. If, if you actually take your cash and count that as your income, which is a large part for your income. What you need to survive on a monthly basis is $2,484 currently because you don't have an apartment. Well, when I do get an apartment, can you add that in?

Yeah, it will probably be like, what, $1,200? No. On the low, what? $900 or less. Okay. Really? In Dallas? Yeah.

Sure. What I mean? You're going to be safe? Is it going to be healthy? It might have roaches, but I'm... I saw... $2,000. I can't afford $1,000.

I don't know. Technically, you can. You just can't quit anything. But that would be 25% of your net pay. You can afford it. Okay. $1,000. Then you would be at like $3,484.

Now what sucks is with the $2,484,000, I can give you, couple hundred bucks of motivational BS. When you have a thousand-dollar apartment and you're at $3,484, it only gives you a wiggle room with like $500. And if we're going to make any parker's or anything, if we take even $100 from that, then it takes a fifth away. $500 left over?

Once you have an apartment. Yeah. Well, then you have utilities and everything on that. Maybe they're included. Maybe they're not. So I'm not going to be able to make debt payments? You'll have $500 left over, probably $400 after utilities, $300.

So that's $300 towards debt. But if you give yourself that motivational fund that you were talking about, no, you will not be able to put anything towards that essentially. And this is why I need to upgrade my skills and get another job. I'm down for that, but you're not making a terrible income. With how much you're working, it's not great. But when you combine all the grinding and everything you're doing together, you're not making a bad income across the board.

But you're working a lot of hours to get it. Either way, with a thousand, let's say, okay, So you have 1,515 left right now. So let's put, if you hit goals, that's when you give yourself your motivational thing, you know, just do it. Let it be a positive reinforcement. Boom, I get something, I get something good. I did something good, I guess something good. Well, eating out, maybe I could do two times a month.

Well, what I'm giving you, in order to get to 1,250. you get $265.996 for fund money. Well, you're not living in an apartment. So you have $1,250 left on a monthly basis. Now with that, what we're going to do, first month, set it aside, second month, set it aside. Then you have a one-month emergency fund. So two months, you're setting aside.

For emergency fund? Mm-hmm. One month. Can I just put that towards getting an apartment? I know. That's where my head's at, too. Yeah, because you need that. you're going to have to

your credit score is you have missed payments and shit it's not bad my credit score what is it about 630 I doubt that it is

not anymore not after your missed payments I just check my credit score 630 today yesterday on what app experience

okay cool well okay maybe you can get an apartment I'm just saying there you might go I'm just saying you might get some denials

but I hope you get an apartment yes and the lower income side you actually might get one anyway. So, gosh. I could just get a roommate or a room. Yeah, absolutely you can. Absolutely you can.

Again, that immediately, our mass situation, but roof over your head is very important. It's one of the most important things. So regardless of the math, yes, do that. Fine, let's just say you have an extra $500 to put towards the debt. What are we doing? $500. Unfortunately, to get a one month of emergency fund,

and this is why it's so dire, and why at that point you can't really have extra fund money after you get an apartment. You really can't. Well, you really can't because we need a one-month emergency fund before we get into all this stuff. And once you get an apartment,

your one-month emergency fund is going to be about $3,500, which $3,500 dollars, I'll fight it by $500. It's going to take seven months. Seven months for a single month emergency fund. It's insanity. I get a better paying job. That's great.

Just like everything you say were, I get this. How are you going to do it? What is it? What? field is it in. You don't have a plan. I do. I will study

to get an upgrade on my CDO. So you'll pay for that. It's not that expensive. I just study. I might become a bus driver and stuff. Oh my gosh. You have no plan. You've just thrown out so many things. You need to have a set goal.

Line out what it takes to get there and then start executing my dude. You're all over the place. You're never going to get anywhere with just a broad variety. of plans like this could all work and sit back and well none of it happens that just that is not a way to live life it's not saying that with all love my dude all love well about you just kill me there no but if that if that's where your head's at then at that point it's no no because you're making it seem like i'm not going to be able i'm not going to do it no no no no you're not going to do it with

mentality that you're having. I'm trying to correct it. I'm trying to let you know that the way you're speaking about this, having a million different plans, even though you should have one objective that you're trying to get, which is a higher paying job. Okay, but you can't do that with a thousand ways to do it and not actually going towards one.

I'm not against you doing any of these things, but you have to decide what you actually choose to do and then go that direction. We can't just say, I could do this, I could do this, I could do this, I could do this, and then do none of it. well my plan is to get a high pain job a bus driving job but how much two bus drivers make 22 dollars yeah but how many hours a day i don't know i think they do overtime yeah if you do like weekend trips and stuff right no like activities no it's a city well i was thinking school bus sorry

okay sure sure what's that it's not a high paying job but yes yes if you work overtime and stuff if that's available. I don't know. I can't speak for dart. Right? Isn't a dart? I can't speak for them. But if that's available, sure. Yeah, work so make as much money as possible. So bring it to five, four thousand hours a month that you're bringing in with a $1,000 apartment. Then you have an extra $1,000 to throw towards things. I still wouldn't put fund money in there. I wouldn't until you're at least out of debt and have a fully funded emergency fund. So it's really going to take me seven months to build an emergency fund? If you only have $500 hours left on a monthly basis, yeah.

Wow. If you have a thousand hours left, it's three and a half months for a one month of emergency fund. With $1,000 left, you can pay off the two cards in about six months after that with $1,000 left or a year with $500 left. So a year and so. Yeah, this is what, so learning lesson to people out there, this is what happens when you dig yourself in a hole. So that's why it's very important as you're digging that hole to realize you're in it.

Stop and start reversing course. You're where you are now. Actions have consequences. You are where you are now, and that's fine. Pass doesn't define you. What you do from here is what defines you. So it's your choice. It's your choice what to do from here.

I would try to get the cheapest, safe apartment that you can get because that gives you extra money to throw at it. If you can get the bus job and do like 60, 70 hours a week, sucks. It's going to take a long time. It's also not particularly or healthy. You do not move in that job. But either way, if you do that and you truly just pack food, cook food at home, follow the meal plan and the budgeting program that we're going to give you.

We're giving you a full budgeting educational program, and I want you to take it. It's incredible. It changed so many people's lives already. There is a path out, but it's not going to be overnight, which concerns me with you and how you were receptive to the three and a half months to get a one month of purchase fund. What makes me nervous about your reception to that, it's, we're going to be multiple months down the road, and we're not towards the finish line yet, but we're starting to make progress. us, but because we're so far from the finish line, and we realize this is so hard, and that's

not fun, and it's going to be hard, it's going to be a pain. I think you are someone who gives up when things get hard. You can say no, but based on everything you've said about your past and jobs, that is what you've done. Would you rather me be honest and call you out, or do you want me to just say, no, you're awesome and you've never given up in your life, pat on the back? Well, mentally, it's hard. It is hard.

I literally just said it's going to be hard. What us adults do is when we know what we need to do for a better life, we go through the hard period, the sacrifice, to get that better life. Because what we're talking about here, let's say two years total for one to have a fully funded emergency fund, get out of the bad debt except for the car. That's going to take longer. Let's just say the credit cards. Can I sell my car? Sure. I don't know what equity position you have in the car.

You'll need a transportation thing. hopefully maybe you can just ride the bus depending where you're based out of but yes, sell the car and then pay off the remainder of the debt if you can. So all I'm saying is let's just pretend it takes two years

to get out of this whole thing, even three years. Three years. Trust me, compared to a lot of people on the show, three years is a good thing. Three years sounds like so much right now you should have like six decades of your life left.

Decades. Three years is nothing. Nothing. That's a long time. Okay. All right. Okay. No.

Your mindset's so bad. No, I'm going to do it. I'm going to do it. Your mindset's so bad. No, no, no, I'm going to do it. The language you use, the dismission, nope. If you live to 80. I'm going to get out of debt in three years.

If you live to 80, three years is 6% of your life. Six percent of your life is dedicating to make the other 94% of your life to be incredible. The remainder 94% of your life is, you're incredible. The remainder 94% of your life is. your life is incredible by a 6% sacrifice. Yeah, that's worth it, but sure, three years is a long time. So that's it.

Hammer Financial Score, it's easy as ever, just like... I'm gonna come back. It's as easy as ever. It's as easy as ever. It's zero out of 10. Make sure to check out all the resources linked in the description below there, what I use or would use in specific situations. And don't forget to check out the best budgeting program in the history of the world.

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