Financial Audit - Pathetic Loser Is “Too Good For Work” | Financial Audit

Episode Date: July 31, 2024

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Terms apply. watch episodes of financial audit a week earlier, check us out on YouTube. I cashed my 401k out, had a big amount of money. I know. I bought a PS5. Great. And I played video game for nine weeks. No. I went through my whole 401k, my 401k is gone. Are you kidding? It's gone. You are borrowing from your retired elderly parents. Disgusting, immature, baby, childish. You. Hi, my name is Mark. I am 46, currently residing in Austin, Texas, and this is financial audit. So what do you do here in Austin, Texas for a living?

Right now, I am a full-time Uber driver. Okay. Regular Uber driving and Uber Eats and the such lift as well. Yeah. And then acting on the side. I bet everyone who's ever been on this show has Uber ate from you because they Uber eat every second of their lives. Better not see any Uber eats in here.

This is you said, Uber driving, okay. How much are we bringing in doing that? Well, I would say on a good week, anywhere between 650 and 750. Okay. And that's across all the different Uber variations and driving variations and food. Correct. Correction, I tend not to do Uber Eats that much because it doesn't pay that much versus the mileage you have to go for an order to take it today. Yeah, I know it was great during the pandemic, but I think.

Yeah. But recently it's not been as good. But obviously you have gas after that and maintenance and everything. Yeah. So what do we think actually comes? Okay. I looked at your income. What was the largest piece of incoming money?

From this month or for? From the most recent month, the statements that we have. Okay. That's probably the largest thing was probably about, it's going to probably show like 500. $97 on there. No. The largest thing that came in was a paid day loan.

A paid day loan disbursement. Okay, well, yeah. That was a little bit larger than the other one that was on there. That was the largest thing. Yeah. Yeah. Fuck me. Okay.

Well, okay. So unknown transfer in of 209. What was that? It was just a transfer into your account. It was $209. We don't know what it was. What was? What was that?

That was, that was, oh, God. That was money from my dad, actually. He, he, uh, hold on. Well, how long has you been Ubering? Because something's telling me it's not working out to pay the bills of the two things I've called out so far are not income. Well, I mean, it is working. It is working. The problem is that it's summer.

You took out a payday loan. I did take out a payday loan. I did take it, but hold on. Let me, but it's summertime. College is out. It slowed down significantly. So maybe we need a job that's not so seasonal if we're taking out payday loans. I am.

What have you been doing? And then you said part-time acting. Okay. How much do you bring in doing that? In May, I brought in about 2000 on that. May, June. Well, okay. We're looking at June because there's nothing that hits your account that's 2000.

No. June, so I've only done a couple of gigs this month. And they only... How much does that made? About 300. Okay. See, that's, you know, we've had a lot of... But I am getting an agent.

You're getting an agent. I have an interview actually tomorrow with a large agency, with a large agency in Dallas. Okay. So hopefully that will... We've had a lot of people in the show who want to make it in that industry from... And you know, a lot of people in the audience that want to make it in that industry. and this is, it's a big thing. For some reason, people are moving to Austin to make it.

That doesn't make sense to me, but whatever. Okay, I want to help you get to your dreams if there's a way we can get there. But we're taking out payday loans. Yeah. We're taking money from our dad. I don't think Uber is what's going to be what pays the bills if we can't pay our bills. How long have you been doing Uber, though? I have been doing Uber about five months.

Okay, what were you doing before that? I was working at FedEx Express. Okay. There we go. That sounds like a job. What happened? I hated it. Um, you hate paying bills? No, I don't. Everyone hates paying bills, but, no, I don't hate paying bills. And you're, and you're right. It was a good job. It was 20. What are you making? Oh, I know you're going to ask me that. Um, well, yeah. And you're going to not like the response. Response of me on this one. Uh, it's 2379 an hour. Okay. 40 hours a week. 40 hours a week. good health insurance. Pay time off? I pay time off.

Okay, so probably make like 50,000 bucks a year. 45 to 50. What? But in my defense... Hold that mic right up to your face. In your defense, what? In my defense, I've been part-time acting

and starting to delve into that for about a little over a year. Okay. Started to get so busy that I used all my PTO and sick time to pursue it. Which is great. Which is great.

I had to have a major surgery. Dreams, let's go. Dreams let's go. I had to have a major surgery. So I was off work for six weeks. It would pay time off work, disability. Yeah. And I thought, I just, I have two bulging discs in my back, all the stuff from lifting for

because I worked for Amazon before that. Okay. And I decided, you know what? I need something more flexible so I can pursue this. I had a buddy that had been doing Uber for seven years. said making his living do it and i said that'll give me the flexibility to do it i'm going to do it and k-lop let me tell you it would have worked out i cashed my 401k out had a big amount of money i know i know but i but but but but here's you're going to you're going to kill me on this one you're going to

kill me on this one you're not going to like this luckily i don't have a weapon yes yeah it's a long story but i what the no what that's how this works so i used to be a full-time partner streamer on Twitch. Okay. What? Yeah. This was when I lived in Arizona before I moved here. So, and I'm like jumping back and forth.

Wait a minute. What were you doing? Full time on Twitch. You were full time on Twitch. Yeah. You've been everywhere. What the, so how much were you making doing that?

I was making between, I would say, on a good month, top ending about five to six, low end, three to four. Okay. That's making a living on Twitch as streaming. Yeah. It was. Yeah. What were you streaming?

I was considered a variety streamer. What happened? Open world RPG games. I basically gave my whole soul and life to that. Oh, sure. It's streaming so much, yeah. I ditched everything for that. And made it doing it full time, but I basically was just me in my space station in my living room.

Oh, yeah. I had no table. It was my space station and just me and the internet. my moderator, Discord. I mean, it was great, but eight to ten hours streaming a day. Oh, yeah. I had no life, and I just got

burned out of it. I felt like... And you just stopped? I stopped. Everything. I've also been clean and sober for over 12 years. So the stuff I do to keep that, I discarded all that stuff.

That helps me with that. Was there a better content strategy that we could have adapted to? There was. Because, again, you're literally borrowing money from your dad and taking out payday loans. And I think, the pay that came in was like $500.

Like I and that's so different than making at the top end six, seven thousand hours a month. Yeah, well, I mean, it's a little bit of a hiccup right now, but I think we can get past it. I mean, the way I'm thinking about, I realized what I did wrong is got the chunk of my 401k when I quit FedEx. How much was that? I ended up with around 5,250 after they took the penalties. And. And here's what I did. How long were you doing Twitch?

I did Twitch for two years, but then I moved here. And I know that a lot of people that are streaming full-time, it's like, it's seriously like crazy, crazy, crazy hours, and you give up. You give up so much of social life and a lot of things. I would have rather come up with a different content strategy than just giving up because where are you not? Do you have anything?

Well, yeah, you do have something in retirement. Let's see. What is it? Oh, $200. Okay. So that's, I can't, yeah, yeah, well, that's, that's, that's going to be zero. Oh yeah.

When did you just pull 600? You just pulled 6,000 out? I, no, no, I pulled that out like four and a half, five months ago. Okay. Some reason it's still gaining money. Oh, this is, it's, well, it's shown her from the year. Okay. So when I pulled it out, sorry to go back to this, but when I pulled it out, I would have used

that for my nest egg and then I would be driving Uber and making six to 700 a week so I was like great but I decided before gas before maintenance before gas and maintenance I decided well I haven't had a console or you know indulged in video games in three years so oh so let's do it when we have to pull from retirement and make no money I bought a PS5 great and a 4k 240 hertz um HD monitor and I didn't drive for nine weeks and I played video games for nine weeks you know what? Oh, no. And I went through my whole 401k, my 401k, my 401k is gone. Are you kidding me? It's gone. And so then I realized I need to start driving. I appreciate your candor, but this is the most, that's the most childish. Why didn't you really stream it? Why didn't you only stream it for nine

weeks and try to get some tips of donations? Because, uh, because now, unlike when you stream, there's all these different areas you can stream on too. Well, I don't have a webcam anymore. I didn't have the, okay. I think if we went and drop, I don't have a computer. I don't have a gaming computer anymore. It's just too many factors. If you had a computer... Well, honestly. You can stream from PlayStation's these days. You can.

You can. You got to buy an excuse. Okay. Okay. You're an excuse. Just bundle of excuses. Sure. Whatever.

Great. I don't know if I would call it that. I would just... Well, you just try to make a thousand excuses. Why? Well... Probably none of them are valid. If you can go spend on a PlayStation 5 and all that and you can stream from your

PlayStation, you could have got a $25 webcam and you could have been streaming. Yeah, but you got to make it. You got to make it. gotta make it look good. You do, but you could have at least been trying. So you literally drained your 401k, sat on your ass for nine weeks playing place. What do you even playing? At least let it be something good.

Yeah, I've replayed the, uh, it's a replay. It's not even a new play. Well, you know, last. What'd you replay? Okay. I replayed the remake of Last of Us One. Okay, all right. All right.

Last was two that they upgraded for. Okay, okay, okay, okay, okay, payday loan. Hey. payday loans what what does that mean I don't know I don't know I don't know okay well I appreciate trying to be a part of the conversation but that was yeah that was a little awkward

that's just dumb the green dot transfer is that work the Uber that is green dot transfer is Uber and then what's the Venmo in of $589 that's that I borrowed from my mom

oh buddy I mean, I didn't know. Your dreams are killing you. I want you to get to your dreams too. You're just doing it in a stupid way. Listen. Okay, what about the cash app in of $100 something dollars?

Cash app of $100. That is... Total over the course of the month. Cash app of $100. Total cash app in was $117.90. What was it? 40 of... Oh, wait.

No cash yet. Oh, oh, oh, $1. That cash shop, that was from an acting cake. Okay. So actual earned income was like $600. And then you've... $750 payday loan. $209 from dad, $589 from mom.

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a job. You made it. It was a real job. Just like I've been able to make this a real job. Thank you all. And then you're like, okay, done. Find that it's your choice. But you replaced it with a good job. Making $50,000 a year with bennies. And you're like, because I want to be an actor and it's a little hard with this job,

and I barely make any money doing it. Let me go make no money. In what world? Your parents? How old are your parents? You're 46. How old are your parents? In their 70s And you're taking money from them

How does that feel? Because I would feel disgusted Personally Now if it was to help you in a certain situation Because you're going through a rough time That's different But this is your choice This is very much your choice

You are choosing this Well Well Oh come on Well it is kind of a rough time I mean by your choice Well not necessarily Because I mean

You left your job I did But I actually had a plan when I left my job, which, which if I would have followed it, I wouldn't be, I wouldn't be in well, yeah, you sat in for nine weeks. So what was the plan versus what happened? I was going to keep that five grand as a nest egg and then start driving Uber while I'm doing self-tapes and applying and auditioning for roles. But that way I'd always be ahead. I'd have that five grand. I'd be making $650 to $7.50 a week. It was going to be great. So what happened after the nine

weeks? What made you finally decide to get up from the couch? I, the gaming is, uh, it got to the same feeling it got when I was streaming. I, I, uh, I had it was like doing, geezer drinking. I felt like I had my fill of it and I couldn't, it wasn't, it wasn't filling the void anymore. And I was like, plus I need to pay rent bills and I'm not, I'm down to my last minuscule money. Are you saying it had the same feeling of when you were drinking and stuff? Or were you drinking? No, I wasn't drinking.

No, I'm so clean. It's still clean and sober. Happy to hear that. Yeah, thank you. Appreciate that. Appreciate that. But I realize I need to start working. I need to start getting off my, and so I sold the PS5 and the monitor.

I mean, I didn't make the amount of money back that I paid for it. But that's something good. You know, I took that step. It is. It's just like, that's like the worst.

So it's not really that bad. Okay, shut up. That's not true. Sorry, but that's not true. This, I mean, you literally,

okay, let's look at the first document. It's not that bad. I mean, that I can't escape. accept. I will accept, hey, you got up and you tried to do something. That's good. I will not accept borrowing $750 at 680% interest rate. I don't think that is not that good. I will not accept that that is not that good or not that bad. Sorry. Okay. Well, what was I supposed to do?

Just work like an adult, like a human? That's 46? Well, I'm a mature person, like a big boy. well uh i i've been applying for jobs and okay what do you mean you said you're ubering and you're trying to act what do you mean you're applying a job what does that look like i'm putting in for part-time work right now part-time why part-time so i can supplement i can still do ubering and do part-time you want to do ubering you're not making anything in the car you're doing it's insane by the way no i know uh i just uh you know you got you got to follow your dreams man you only live once and I, my body is wrecked. I'm not, I'm not delivering packages anymore.

I'm not going to drive around in the 985 degree heat. You're right. You only live once. So sacrifice just in case you live longer. But if you die today, you won't know that you sacrificed and didn't live your dream because you died. So it may as well bet on the likelihood that you're going to live a while and make sure you actually have a chance for retirement. Because you only do live once. And I'd rather you not spend the rest of that under a bridge, which is where you're,

headed. Well, yeah. I'm not against your dream. We could have done this. If we sat down before you quit, we could have literally come up with a good way to do it. I, again, am blessed to live my dream. I decided not to do this in a stupid way. I didn't quit my full-time job until I was able to do this full time. I know it's different than acting because acting is relying on these other gigs and you ate up your PTO but maybe we're finding different job strategies. But the

Uber is clearly not working. 65% of your money or something like that came from either parents or payday loans. This is not working. Can we agree that this is not working? Well, hold on. I can agree with that halfway, but

But part of it why it's not working is because I'm not actually, I'm not actually getting out there and doing it. Doing what? Driving. So, so, so, so, so maybe, maybe, maybe. How many hours a week are you driving? Oh, the last, I've slacked off this last month. Are you lazy? Why do you not care?

No, no, no, no, no, no, no, no. What are you doing during that time? What are you doing during that time that you're not driving? What are you doing? Honestly. As honest as honest as. possible. Oh.

Hats off. This is a big thinking exercise. What am I doing? Yeah. Applying for other jobs, auditioning for roles. Come on, the whole time. Literally the whole time that you're not driving.

Watching YouTube, sitting around doing nothing. Okay. There you go. So, to be clear, you not. So to be clear. you are borrowing from your mid-70 old parents

so that you can sit on your... In the end, that is, how that has worked out. Selfish, child, immature, baby. That's a little harsh. I don't think so. Taking from your 70s, your mid-70s, old parents, you can start taking from your tax advantage retirement accounts of 59.5. Social Security retirement age is mid-60s.

They're mid-70s. They're well within where they should just be enjoying the good life. You're taking from them so you can sit on your... You're taking them for them so you could play PlayStation for three months. You're taking for them so you can pursue your dream instead of allowing them to live theirs. Selfish. Child. Baby.

Immature. Okay. You disagree? How could you possibly? I don't know. Grain of the beard is supposed to mean wisdom. I'm not saying it. I would say this is just...

I mean, this is the first time... This is the first time I've been in this situation like. this. I've never borrowed money from any of my family. Guess what? You are. But I am. So I wouldn't call myself being child. I've worked my ass off my whole life. Where's that let us? $200 in a retirement account and no money to our name, payday loans. So that we could. First time I ever took out a payday loan. Doesn't matter. You've never done it before. You're 46. You have a payday loan. You have no money in retirement. I don't care what has been. I don't care if you made a bunch of mistakes in your life and you're incredible right now. I would reward you for being incredible right now.

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Why would we go and give hugs and high fives and blow bubbles and have rainbows flying all over the room for what happened 10 years ago? That's not where we are. you're taking from your parents who are in their mid-70s right now and barring payday loans because you don't want to get off the couch self-assessed where do you think you are on finances truly where do you think you are zero to ten zero being the worst ten being the best you know how this goes um i would probably say i'm at a four every time they know how it goes and they okay

four is reasonable you have a payday loan Okay. If you watch your Hammer Finance Discord, it's free in the description below. And if you have payday loans, let me tell you. But you're also an interesting individual and, you know, you like to have... They're not that bad. What? Who?

The payday loans. Just feel free to apply to be on the show. Calebhammer.com slash apply. Okay, you were about to ruin me there for a second. I'm glad you've decided to have a moment of attempted humor. I wouldn't. seeing how, again, so you borrowed $750. The minimum of the payment for 12 months is $194.

You're going to pay a total of $2,522 from that $750. Are you at least making your minimum wage payment on this? When did you borrow this payday loan? About two. Speedycdycash.com. Speedycaddycash.com. Don't go to that site. It was a anti-sponsorship.

About two, three weeks ago. Okay. So you may, so you're, minimum for your first payments probably coming up soon right uh the 17th and and i'm not gonna two days and that's why the interest rates are so high on those by the way because like no one ever i can't pay it i mean i i don't know i i i would you use your money on what did you use your parents money on my rent what's your rent uh 1290 dollars from markles you're you're you're not allowed to You're not allowed to leave your job with a rent like that.

That's, you just can't. Again, we would have strategized. We would have gotten you into a cheaper living situation. Maybe you don't want to, like hostels or something. So you could grind it out your dream, make the sacrifices necessary. But you're doing the thing where you are not making the sacrifices necessary while also trying to live your dream. It's insane. You're willing to sit on your not work and also keep your crazy rent while pursuing it.

That's not how. that's not how we pursue our dreams. We sacrifice. Well, if you're going to tell me you've sacrificed, I would like to hear that. Oh, I would love a good comedic bit right now. I mean,

I've tried. The first couple months, the first two or three months I've been able to make, I was able to make it. You know, and I just figured, uh, the acting would pick up.

What do you mean the first few months? Three months. once you sat on your ass and played PlayStation. Making it by draining your 401K. What are you talking about? Why, I was still able to pay my bills and live. Yeah,

because you're 401K, but not because of earnings. That's, that's true. Well, no, that's why I'm looking for part-time work. Oh, God.

Power time work, buddy. You're doing Ubering right now and you're bringing in $500. I don't know if part-time work's going to get you to your rent unless you're working a lot of part-time work, part-time work full-time.

Oh, this payday loan? you I want to make sure do you know the payday loan's bad because it's not that bad what do you mean but you but you but

I explain please for please well I mean I'm I'm pretty sure it has a high interest rate I would say I would

gather I already said the you probably don't even know because I already said it but what do you that's probably six well but 16 17 17%

buddy I've said it already. Are you here? Oh my gosh. Are you really? No, I, no, go ahead and tell me. What was your addiction or choice back in the day? Um, uh, alcohol, wow. Okay, I am glad you're clean. Yes, thank you. I just wanted to make sure you were like, weren't smoking right now because I already said the

Frienton. Mountain Dew, but I mean, that's not really meant. It's the closest thing to it in the world of I can get to it. 600. Oh, buddy. Buddy, buddy. We're going to get there.

We're going to get there. Sorry, a little bit of caffeine in me. Just had to write myself up there. Honestly, payday loans. You know, the thing is, 680%.

Well, if you pay it off. What is well? Are you paying it off? You just said you're going to miss your payment. What the fuck I'm talking about? Well, here's a thing, if I get.

Stop looking at the producers. Look at me. Okay. No, I was just, okay, sorry about that. If I get off my ass, yes.

and drive five to six. And how's that going? Well, it's not, it's, it's not going good right now. But I also have a bunch. I mean, I have, this is going to sound like I'm whining and complaining and I'm not this kind of person. But I have a bunch of medical shit that continues to plague me. I don't know if you know, but I had a major surgery five months ago. You said that.

Okay. Cause your discs in your back. No. I had a colon resectioning where they cut a section my colon out and resitched back together. That's why I was off. for six weeks. It didn't solve any of the problems. I don't have money to pay any co-pays to go get tests they want me to get for so I'm just I guess I'm not you on any of the exchanges you can apply for that if you like fall out of a job. You didn't get fired or laid off though so it's different.

Yeah. I don't know if you're able to say a loss of job without saying why on the exchanges, but you could have honestly free health insurance. Well, I have I do have health insurance. Oh, okay. But it's through Oscar Health, which is a no name whatever insurance. So, I mean, maybe we just ride this off into the sunset until my intestines explode. Who knows? Is that a thing potentially? I don't. At this point, I have no idea.

I mean, but that's neither here nor there. It's not a medical thing and I don't mean to bring that up. So I'll let you get back to 684%. That is high. Unless you pay it off immediately, unless you pay it off of me. That's not going. It's not going. Well, okay, sorry.

Yeah. It's 684, you say? Give you a box of craye, it's a draw all over it. That helps you. That's a little harsh, bro. Come on. If you need a circle the interest rate. Well, that's, it's there. Capital one.

Yeah, capital, yeah. This is new? I wouldn't even recommend the FIS card to you, and I recommend it to everyone. I just don't trust you. It's good for people out there, It's about a month old. So you did just open it and you immediately put $334 on the... Oh!

No, you did it. You didn't max it out. You over max it out. How do you allow you to spend $334 when you had a 300 credit limit? What happened here? What the fuck happened here? I... I don't know.

I don't know. Oh, my death. Oh, my death. I want to... Well, no, hold on. Let me... Let me... Oh.

Okay, so I was doing an Uber shift. And I think I had close to $3 left on it. And I needed gas. And I knew as long as I had some money on there would let me use it. So I had to fill up my tank with gas. We have a taser in the office protection. And I want to use it right now because that was a big lie. You're going.

You're getting wings. You're stopping in a store getting some bullshit. He needs to barbecue chicken. Stopping in a store getting some bullshit. Stopping in a shore. getting some bullshit. Panda Express. Stopping in the store.

Stopping in the cafe. Stopping in the storing cafe. Stopping in the storing cafe. And then your gas. So no. You put all the money on there. The vast majority of it from... We got to eat.

Oh, don't you dare. I swear. I mean, I... Don't do that. Just shut up. Just don't even say that. Those aren't even words. Those aren't even words.

Well, they are. I haven't heard someone say that in a hot second. I honestly thought we were kind of done. Because, I mean, a lot of the people who come on the show, it's just like, okay, they, you know, they watch a couple, like a month of episodes. And I guess we haven't had someone say that in like a month of episodes. So I'm just going to...

You have to eat. Yes. Pack a sandwich. Pack a f*** a sandwich. Get a thermos with ramen in it. Soup, gum, anything. Air. Eat air.

You're right. You have to eat. Not stopping every second of your life to eat. And eating out. It's so expensive the way you're doing it. You max out a credit card. Took out a payday loan. Reminder in a way, in a way of how you are doing this is you are borrowing from your retired elderly parents to go to Panda Frien Express.

In a way that is how that works. Disgusting. Immature, baby, childish. I can see that. Good. In a sense. Okay. In a sense.

You're a defensive one, aren't you? Okay. Well, okay. I hear what you're saying. There's also another Capital One card. We're gutting through the death. It's a 30% interest rate and that's going to start nailing you. And you're also going to get probably fees for being over the credit limit.

$25 minimum. the payments. That won't even bring it below the limits. I'm going to take a few of those. 30%. 30%. Still worse than what you thought the payday loan was.

I don't know what you think. I didn't even know that was that 30% to be honest with you. Not just, just I genuinely, I feel like you don't care about your life. No, I do.

I do care about it. I do. I just feel like. You're not acting like someone who does. your choices are not indicating so I just I just don't know what I'm doing anymore I just feel like I just feel like there's no way to

get ahead of any of the stuff I just feel like that's what are you going to do when you get evicted because that we're talking that soon like there's only so many payday loans you can take out I don't know what's the situation with your parents and we have a lot of bills to go through still and you have a ginormous rent.

Yeah. What are you going to do when you get evicted? That's a good question. Live in your car? It's the next payment we have to take care of because that'll probably... Well, I don't think for long because this one's going to get repaid. That's going to get reaper. Well, that's another thing, too.

I mean, that's what I'm saying. That's what I'm saying. There's so many things that have just piled up where maybe it was stupid of me to leave FedEx Express. Maybe. We're using the word maybe. It wouldn't have been stupid if I would have followed my original plane. kind of disagree though because it's stupid to pull from your 401k that was your that was your retirement living off of that isn't going to do it and don't tell me that's just the nest egg on the side while

I work because you're doing the work right now even though you're not doing as much as you said even if you do it as much I don't think with your rent and your minimum fee payments you'd be able to afford to live I don't think that I don't think your plan would have worked even with seven I mean because there's a week I can show you that I mean there's we I usually average about if I worked six days on Uber and now this was during the fall when everybody was here but I would make $700.

If you work $600 and how are you doing auditions then if that's the dream? Because you do them during the day. So you Uber at night? Yeah, I would have to well sometimes I would do day shifts and then I would go from like 9 a.m. to 5 p.m. 6 p.m.

And then you get off and do self-tape auditions at night and send them in and stuff like that. Maybe it would have. Maybe it didn't. But also that's in the past. It's in the past. You're right. You're right.

Now we're talking about potential repo. You're still a few months away from it, but. I mean, I think I'm 50 days behind on my, I mean, they're going to eventually repo. Yeah, I'm basically bearing me. How are you going to get to auditions? How are you going to drive Uber? How am I going to drive Uber? How am I going to drive Uber?

How am I going to get to auditions? How am I going to, it's just falling apart. And basically at this point, but you're accepting this. Why aren't you doing anything? I mean, well, I, I, I am. Where are your parents? My mom's in San Francisco. My dad's in Oregon.

Do you have friends here? My brother's out here, my little brother. Could you guys live together? You need to decrease your rats. He's got a 25-baker ranch out in Dripping Springs. He's got three kids. I mean, we're pretty close, but no, that's the other thing I'm looking at you. Okay.

Listen, yeah, I was looking trying. Roommates or get a cheaper place. I have a buddy from Arizona that was going to move out here. He was going to come and live and share a rent with me. That fell through. He got out of a 10-year relationship. Got all messed up in the head, and he's going somewhere. He's going to San Diego now.

So that's not going to, he's not coming out here anymore. Okay. I mean, it might be like roommate finders. I need to do that. I need to do that. We had a guess on here. Not that I would encourage necessarily, but at the lowest of the low, there's like housing for people that have been through addiction.

You know, you live. with a bunch of people. Not doing that again. You did that. Yeah, I lived in a halfway house for a year this last time. Well, I'm not,

again, I'm not saying that's what I want. I was just saying, like, in the extreme case, you just can't pay your bills and I don't, in the car-dependent infrastructure

we have, a lot of the jobs are going to require you having a car and you losing your motor transportation is going to make it very difficult. And you don't have to tell me

in what area of town you live in, but like, you can bus a lot of places here, and you can train in some specific areas, But I think things are going to get real complicated real quick. Yeah. So the car, let's see.

Oh, God. What is the car? It's a 2011 Toyota Camry, X-L-E. Okay. Miles? 113,000. How is it? It's good.

It's good. It was kind of an impulsive buy. When? About two years ago. Okay. They didn't sell it at. value. No, it's sold it way above they must have. Because you still owe $14,025. With a $440 minimum payment, of course, you are back multiple payments. You owe $1,714. That's a 17%. Yeah, 17%.

Two years ago, ah, me. So a really exciting thing that you guys should be thinking about is we now have all these extra things with our YouTube membership program. You can sign up for our post show. We talk about extra drama for the episode that we didn't have a chance to dive into. Why would I want more than one stripper? I don't want one stripper. You don't f-mm. You just touch them. Why would I want to do that again?

Because it's fun. Is that? And it's awesome. You're good. Hey, bro. How is Caleb as a lover? I would give a solid nine. Wow!

How do you get to a nine? I just don't know how to answer that because, I mean, I just do. I just do. For the upper-tier memberships. All the people from the crew from over there, they come together, they make a crew cast, and they talk about behind the scenes content and how we do everything here. I don't want to contribute as much

because I'm already so much on camera. That is the greatest thing I've ever heard. Twice a month, Noah and I come here. We have a live stream with you guys and we hang out with you, we answer questions, we chat it up, we talk about the show, we just have a good time. Caleb reads that book every day.

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Link in the description below. How much do you think it's worth? Uh, it's probably eight. Five. Five? You're underwater by $9,000. yeah see i'm i mean at 17% 440 gone yeah you know if you get repoed though i mean they're only gonna like get rid of it at auction

it's probably get three for it you're still gonna owe 11 000 bucks i have a rep yeah like the repo's not gonna really help you no like nothing's i mean i i i had it the car i had before you're acting like a which a child in life i don't know i don't know i think i think i think this was the biggest mistake you've ever made was leaving this job. The biggest mistake. I mean, honestly, no. Huh?

I don't, I don't, I think it was, the only way I think it was a mistake was in the fact that I didn't fall through with the plan that I had designated for myself, if that makes sense. Or maybe I'm just delusional. I'm trying to tell myself that to make myself feel better. But if I, if I, I would have followed the plan that I had.

I would not be in the position I'm at. You didn't because you're a child. That's what I'm saying. Okay. You didn't. So 17% in a car. You're $9,000 underwater and you're missing your payments by like three months. Okay.

Okay. What is this? Okay. So you bought some loan from a bank? Make Mother's Day even more special at Whole Foods Market. Kick off brunch or dinner with quality cheese. and charcutory with no synthetic nitrates. Then go seafood.

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Okay. For what? I'm guessing just to survive Yeah, exactly Right Not well This is a fucking mess It is

It's It was alone to survive And I kept up on the payments with that Although they're behind now But The balance isn't even crazy man If I just get you in a

Place of work Like an actual Job You could just pay off the $237.80 cents Yeah $33. minimum fee payment what's the interest rate on this i don't see it i don't know because it's through my it's attached to my bank account so when i applied for it it's like a thing on online where you go on they

give you like 12% it's it's hot i think wait do you owe money to the irs oh yeah oh my gosh it's all the way back in 2014 2015 what was happening what was happening during that time what are you doing well uh yeah i hope life your way through that my goodness those are years that i um I was working at, I had a good job. I was working at Wells Fargo, personal banking. You've done everything in the world, apparently. And you can't commit to any of it. Well, no, no, not everything.

That's because my true calling is not any of this garbage. But anyway. I get it. That's fine. And now you're going to. I claimed exempt for like six years on my taxes, exempt. To try and get as much money as I needed. to get to get to to get me ahead even way back then and get you ahead in what ways for what like what was the play

what was the play to to not be uh in debt anymore to not to not be struggling all the time even though i was making struggling then too this is just a lifestyle this is just your life it's been happening okay okay okay it's been up and down for years uh where's the up at the beginning at the beginning of when I graduated from school 2004. Okay. And I got that job at Wells Fargo. I initially started off great. I had a budget.

I wrote everything out. I followed it to the T. So you know how to budget. I know how to do it. Then, okay. I followed it to the T and then I was making more money than I ever made. So I started getting,

I would have like $1,000 left over after all my bills. And I just started buying shit. And then got into the credit cards. got credit cards. I started putting it out. And it just, I just, um, got my, eventually stopped doing my budget and just let everything get out of whack and then just got into this cycle where it's just, can I tell you, so something honest? I've been down. And I'm 46 now and it's come to the point where it's like, uh, what's doing? I don't know. Let's just get my car and drive away. I don't know. I mean, that's a 12 year old way to think, but like,

it is and the car is not going to be there. it's true that's true that's true I'll tell you an honest truth it's a brutal honest truth but honestly I really have no filter and I just kind of say whatever the fuck want go ahead

you're kind of my greatest fear oh how so 17 years like doing well starting off well budgeting doing all that then somehow because we're both creative people it sounds like you you were doing streaming I'm doing YouTube I used to play, made my living playing music in Arizona's

Exactly You are my greatest fear Sitting across me I'm terrified It terrifies me Yeah dude you're not gonna You're I don't know man No you've got it all set up bro

Like you did it I don't know you did too And Twitch I'm just saying this can happen to anyone Your mistakes and everything Because you think you have it all figured out You have your budget And then you just make these life choices

I feel like I'm looking into like a future mirror and it's scary it really is I'm sorry don't mean to scare yeah no it's not about it's this I don't know you owe IRS that from 2017 from 2015 to from 2014 I mean that was the year after I graduated high school you're still you're you're still oh I'm old yeah look at I mean that's 12 I own like 12 grand but why haven't you have you made any progress I was on a Yeah, I had a CPA in Arizona, and he went back.

They got me on a payment plan. And I was on it for a year. And they were supposed, he was supposed to renew it for me in a year. The guy never called him up and did it. So it fell apart. Why aren't you? And when was this? When did he not?

That was, that was about. When was this? Okay. Okay. It was about 12 years ago. Okay. So why haven't you, why haven't you done anything in 12 years? Again, because I was,

I know, but then COVID hit and they weren't worrying about it. Oh, guess what? That's all done. Yeah. So I don't have the money. I don't have the money to pay anything. You're right. You don't know. I'm just surprised you haven't done anything in 12 years. I mean, I can't.

How my- COVID was four years ago. So there's a lot before then as well. It's almost, well, yeah. Honestly, you might be able to claim some hardship stuff. But I don't know, though, Because you didn't lose a job. You quit a job.

I did quit it. I did quit it. And not in a good way. Not in a good way. Well, did you go out like guns of blazing? No, I was on long-term disability for the surgery. And I just call them and said I'm never coming back. Great.

For your career stuff, we obviously need to talk about this in the end. But what I'm happy to do, just like for any guest, I'm happy to offer you to go through a certification of your choice at course careers, which is great for tech certifications. I don't think that's the world you're in, but I do offer that to you. You can gift it to someone if you'd like as well, but for being a guest, you do get that. What is that? What is that?

So certifications that you can go through courses and get certified in something, for example, accounting as one that they offer. Then you can have that on your resume. Really? Certified in that, yeah. So we can get that to you. That's kind of cool. Usually they're like resume boosters, really. Okay.

Yeah. Resumade accelerator. Okay. Is this additional taxes to Arizona? Oh, God. Oh, God. I did send you that one. Okay.

Are there things you did not send me? No, I sent you. I pretty much sent you everything. Okay. What did you not send me? Stuff that I couldn't find anymore. Oh, things that are so old? Yeah.

They probably. falling off. I think they're gone. I think they're gone. One of them is an eviction and a repo. You had payday loans from Arizona 12 years. You were taking out payday loans 12 years ago. Noah's telling me.

Oh, buddy. So this is just your behavior forever. No, but forever and ever. But it's not that. See, that's what scares me about, just potentially never changing. We can send you through the budging program, the investing program,

which I encourage everyone, to go through. We can do all that. That's, I don't think that's your issue. But the thing is, I can do it. Huh? I can do it. Maybe. I don't know.

It's just like, but for 12 years you've been taking up a day loan. So it's going to change. I could get you to open a moo-moo account start investing. I could get you to switch over to helium and spend $20 a month. I can get you to do all these resources that we've accumulated to help save money and make money. I don't think that's your issue. You've been borrowing for payday. loans.

No. Forever. No. What do you mean forever? 12 years ago, you were taking out payday loans. That's what you told them over the phone according to. I did tell them over that over the phone, but that was once or twice. But you just took out a payday loan last month.

I mean, we're just, it's just like that's a part of you. But hey, that was like, you know, a good amount of years in between that. Okay. Why do you owe $5,120 to... That is from Arizona. Okay, that is from COVID. That is from being on unemployment. And they, I was being on unemployment.

They were offering an additional amount plus regular unemployment for Arizona. I feel like you're doing, you're in a new part of life every six months. No, it's great. Okay, don't be a dick. Okay, yeah, no. You're going to be a dick? What were you going to say? No, no, no.

You can be a dick. I can take it. No, I'm not, I'm not trying to be a dick. I probably using that as a coping mechanism and defense mechanism because you're probably right in the sense of and I've had other people tell it to me before it is like a broler coaster

it's like a roller coaster up and down that's from being on unemployment getting the benefits during COVID the extra amount went off for a period. Remember when they dropped that off for a little bit? So then I was like, I get a job. Got an over-the-phone job. So you weren't getting a job because of unemployment?

Well, I had, I worked in behavioral health for six years. It's just another thing. It's another career. Yeah, yeah, yeah. I did that for six years. I was good at it. And you can be a dick, but you can't hit the table. Oh, sorry.

No, because of the net. Yes, sorry. It's okay. I'm sorry. sorry sorry sound guys um yeah i mean i was in that but i feted that i don't i've never like any job i've been in because i always what's the oh though you were just getting more then why do you oh because so i got it over the phone job customer service through a company called afny that does like cell phone customer service whatever the field collecting unemployment during that

um good good Well, hold on. I didn't necessarily stop making my weekly claims. So you steal from the taxpayer. I don't know if I put it that way. I would. And then you also take money from your parents. Okay.

Well, hold on. You're right. Your life is a roller coaster with how many times you say, hold on. Okay, well, stop. Okay. Hold on. No. There it is.

But so I only went through the training part of that job and then I quit. And then they, then they said, hey, you got another job. We can't give you benefits anymore. And that's how much they said that I over, they overpaid me. But that's outrageous because they only gave me two payments. There's not $5,000. So I'll be honest. I'm, and this sucks.

I hate that I feel this. I'm just going to share it. I'm losing hope because like you tried to make it through training. You didn't do that. You've been like fifth. different jobs in like a year. I mean, do you want to sit on? I'm sorry, interrupted you.

To see what? I mean, do you want to sit on the phone and talk to people with their stupid cell phones? No, no, no, no, no. Well, no, no, no, no, no. No, I didn't do that. But, you know, my first job down here

before I was able to get fully in sales, I did have to do some customer service as well. And I f***ing hated that shit. Guess what? I also, like, wanted to get out of debt. I wanted to live a better life. I wanted to have retirement. I wanted to be able to pay bills.

I wanted to have my car and I get repoed. I didn't want to take. money from my parents. I didn't want to take out payday loans. So I chose the adult activity of making money, making sacrifices. So I don't give it if you wanted to or didn't want to. I know. It's... What is this? Uh, didn't get the care you need. Is this health? Uh, that's medical bills. Yeah, that's medical bills. So we have a few of these. There's a lot. Okay. Yeah, they kind of built up. Oh, fuck. Okay. And... And... And... And... I have these all up.

Usually the ones I let sit till the last penny. 1,893, 4394, 40310. Okay, so those are the last of the medical bills. Just three? Or there should be... There should be... Are you on payment plans? I'm assuming not, because you can't even pay rent.

No. Okay, $2,736 and $65. That's, yeah, that's medical. Okay. Well, I'm sorry with what you went through. What happened? It's, well, from sitting around on my for two years gaming and streaming on Twitch, I got, and being 40 when I started that, I got digestive issues that turned into. It was from sitting?

Yeah. I was from sitting, not exercising, literally. I'm an animal when it comes to, like, I can game for three days straight. without moving or doing any. I mean, it's disgusting. And then eating at 5, 6 a.m. in the morning, fast food. Doing that for two years and not having any type of social life and just sitting around it. I system up.

I stand again when I say, I'm afraid. I'm being you. No, no. I like the game and I eat bad things. Well, no, but you're. No, no, but you're not. Time to get out there and run. If you don't want to be 70 working and dying on the Walmart floor, well, I've got something for you.

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Again, check out Wiser Advisor at the link in the description below. Your future self will thank you. No, but I don't think you're... Yeah, no, but you don't game like that. You see this? No, I don't game like that. I don't really game as much anymore.

But you probably... But I want to stream. You could have a successful Twitch... You could have... With what you do now, you could have a successful Twitch channel with the amount of people you have. I would YouTube live stream. Thank you. But.

I don't know. Actually, actually, money these days. Actually, YouTube is probably a better platform for gaming than Twitch. Honestly. Anyway. And Twitch is dying. We had our first member stream last week. If you want to join us in our member stream every other week. Oh, really? For to join us. It's pretty fun. Oh, cool. Yeah. I'm, I'm, it's really, I think it's great what you're doing. It's kind of an inspiration, dude.

You're doing what you want to do. It's great. Thank you. You've given me help to at least finish this one out. $6333. Is this collections? Yes, sir. Let me see this. First National Bank. Yeah, that's a credit card. In collections?

Yeah, in collections. Okay. 633. How long have these been on? Do you know? Probably two years. They're also probably the last ones we're worrying about as well, but that's okay. 481 and other collections.

That's another. credit card. And payday long is going there soon. I'm sure the balance of the car will go on there soon after they. Well, is there any way for them to not repo it though? Is there any way for... Yeah, you make your payment or you run. Maybe I could hide it somewhere.

You can try. And another guest, talk about that the other day. This is Euphoria Calvin Klein, the new Elixir Collection, featuring three perfume intense sense, inspired by a unique, Orchid Accord, paired with vanilla, each with its own distinct attitude, each with its own universe, bold elixir, sensual, woody, addictive, magnetic, magnetic, like a lingering touch, solar elixir, a radiant expression of joy, ultra-concentrated for amplified impact and lasting power. Find your euphoria. Discover the euphoria elixir collection by Calvin Klein. It worked too well, though. Refinance? I can't do it, man. I mean,

I'm telling you- Probably not. I mean, your card's probably horror. And they don't like When they asked for your employment. What's your credit score? My credit score? Yeah. What is it? We had a credit karma. Yeah, it's bad.

560. It's bad. It's bad. It's not good. So I'm just, I'm a little just. It's embarrassing. Sure, I get that. I'm just trying to figure out a solution for you.

It's complicated because I don't know. You've built these routines and acceptabilities. over the course of decades now. You're not 25 in this mess, and we can start correcting things now. You've been doing different versions of the mess for decades. And that's a hard thing to just fix. You'd have to essentially be starting fresh.

I would like... I would like... I mean, you want to retire in mid-60s. It's so... That's why I'm... I'm hoping that if I get an age, and get an agent, I can start getting roles that pay. What have you done?

What have you done? I've been in 11 short films, one commercial. And how much have you been paid total across all of that? Probably 4,000. But it's been a little over a year. But a lot of this, some of them I had to do for free to build my portfolio up. I mean, some of me you have to do for free. It's just a beyond competitive world.

And I'm not saying you can't make it. This is beyond competitive. You need to pay your bills. If you can't get to an acting gig, I don't know what's going to happen. If you don't have a place to live, I don't know how you're going to... Get rolls. It's just... I don't...

You're headed such down a dangerous path. I don't think you even understand. You're checking account... Oh, fuck me. At the time of this statement, you had $2.61. This is just insane. It's... Going in a store getting some crap.

Going to start getting some crap. Pass-due collection set up. $71 and your checking account. Kill me. so essentially like overdraft i think going inside getting some bs going inside getting some bs coat and tie food go inside getting some bs going inside getting some bs

going inside getting some bs incoming wire fee great $15 going inside inside getting some bs going inside getting some bs going inside getting some bs going inside getting some bs jack in the box going inside getting some bs go inside getting some bs oh $8 from uber woo and got some coffee got some coffee going inside getting some bs going inside getting some BS going inside

get into BS going inside to be s going inside get into BS going inside get into BS going inside get into BS Amazon going inside gets a bit I don't know if we can't pay around I don't think we're doing things off of Amazon jack in the box going to set get into BS airport

you traveling to airport quick thing oh maybe it's something on an airport before Lord I don't know yeah PayPal out jacking the box going inside get into BS oh my goodness uh going inside against the BS jacking the box going inside getting some BS

it looks bad and there's your collection an offset. Yep, they put in 15 bucks and then they And then as we talked about the retirement, what was it like 25 bucks? It's just What's your relationship with your parents? Like, how is this going? How is this?

How is this like, I need money, mama, daddy. I don't do that though, honestly. I mean, well, I did do it. I did do it. Okay. So answer my question then. Yeah, it's, what do you mean relationship as far as like? Buddy, you're asking your 70-year-old parents.

What do they think? Conversation go. My dad's fine. We get up, he, uh, yeah, in a way I'm kind of like my dad though.

It's honestly my dad's, it's, so we, yeah, my dad's, if he had more money, he'd give me, he would give me what he,

whatever he has. He's a good, he's a relatively, it's not helping you. I don't think it is. No. It's allowing you to not get a job. It's enabling,

you know. Well, if I could just, if I could just, I'm almost glad. I'm not glad for his sake that he doesn't have more money, but for your sake, I'm almost glad.

I'm almost glad he doesn't. Well, he's pretty much being taken care of by somebody else in his own life anyway. Sure, sure, sure. I'm just saying for you. For myself, if I could just get a chunk of like five grand and then so I could. No, no. Oh, yeah. If I could just get a chunk of like five grand just so I could clear some stuff and be fresh and start over.

I don't think that's not going to happen. One, that's not going to happen. I'm not going to give it to you. If I thought it would change your life, I would actually give it to you. Like, sure. Let's help a dude out. You're right. I'm not. You don't have to convince me not to. I'm not going to because I don't think that would help you. You've been taking out payday loans for 12 years. Sure, big gaps in between them, but you've done, you've changed careers every six months.

This doesn't help you. That's not what's wrong with your life. What's wrong with your life is you don't stay anywhere. You don't, you have to change everything immediately. Always, like you're always on to the next thing. And then you're just willing to lose everything for whatever your brain is set on in that moment. it might be like that whatever it's called like the addiction offset where you just get out addicted to the new thing and I think you might have a very addictive personality such as I do and you get your brain fixated on something and you're just like into it because you know you've given up your addiction so sometimes those are displaced unto new things at that point and you're just oh and obviously I can't diagnose that as like a mental health expert but you know just reading it from the conversation I have it's and I I don't think the $5,000 would help you.

It might clear some minimum wage payments, might delay getting an eviction, might delay getting a car repoed. But I think you'd be right back there in three, six months. I really don't think it would do anything for you. How would it do anything for you? I don't get it. I just feel like it would just give me some room to be able to be like,

okay, now I feel like I could, because I feel like everything is crashing down. There's no, I mean, what is the, what am I going to do? I'm going to go out and drive and make $150, today, tomorrow, whatever. Well, no, you have worked experience.

You have a very long resume. I've done a lot of shit and I've even mentioned. I mean, I've had over 50 jobs probably my whole life. I'm not surprised. I don't think anyone's surprised.

But behavioral health, who the fucks work on a psych unit? I did that for three years. In the community. It's not about want at this point. If clearly your want to be more happy with your

where you're showing up to get your bills is more than your want to actually fix your situation. You say you're like putting your head in the sand and avoiding this because it's all crashing down, but your want to not do a job that you don't like is more than you want to get out of that crashing down.

No, no, you're right. Well, yeah, you're, I mean, I... Which is another reason that $5,000 wouldn't fix anything because they're not willing to do the sacrifices that are necessary to actually improve your life. You're not. I don't know. I am going to make a budget for you.

I guess. It really doesn't matter because you don't bring in any money. We can figure out what it takes for you to at least live, but it doesn't matter because you don't bring in any money. You just need to get any job.

You need to work 60 hours a week. You need to... And that's not the only answer to the situation. So let's be a little more nuanced. I would leave the tax for a bit. Well, I mean, have they hounded? Okay. No.

I think we can kind of risk. that a bit. I think what's going to be important, the shelter is most important. You're going to pay for the roof over your head and food on the table and utilities. The next is going to be the car. We need to make sure we get caught up on that car

because in the infrastructure we have, I need you to be able to get to and from places reliably. Sure. From there, that's when we can start making our minimum-worthy payments on the credit cards and then we take care of the taxes and then we take care of the collection. And sometimes I do taxes first, but I'm just, you know, you're going to lose like a roof over your head and I'm a little nervous with that.

And sometimes the IRS will have sympathy if you go to them first and talk about it. Yeah, yeah. That's the, no, and I understand what you're saying, Kelvin. And now that we're, and actually I'm glad that all this stuff is out here and looking at it because, um, it is, uh, maybe let's just that's stuff I don't want to look at. Like you put it, it's just like going, living my life up and down and not sticking to something. But, but in my head, it equates like sticking to something. But then I'm sacrificing what I really want to do.

It's like, why the fuck I'm sticking to this when it's. Because you matter. Your life matters. I'm never going to be able to fulfill what I want to do. I'm 40. I need to follow this and chase it. I don't know. Many people have stuck it whole time at this place.

How the fucking do it. The majority of actors who make it are, you know, who have made it are just making like a living off of it. You know, they don't get famous or anything. Right, that's all I want. And that's all you want. And that's still a small minority. But it doesn't mean we can't get there. But you're right.

This is going to make it harder for you to get there. I'm just trying to think about your finances. And in general, like, you mean, you need to retire. And people have made it when they're old, you know. Yeah, that's true. That's true. I think we almost, I usually never encourage it. And I don't really know.

Bankrupt. Well, bankruptcy is a potential solution But we also might just not pay the cards and let him go to collections Because we need to pay rent and car bill Rent and car bill and eventually the IRS that Okay Rent and car bill, rent and car bill I mean, and there's no way to get out of this car bill

In a mathematical way that makes sense From repo or from refinancing, which you can't do Or from trading it in and borrowing money and getting a different car You're so far underwater on it and the value of the car is so low a lot of them more like, ooh, let's, you know, play the game. It just doesn't work.

You've lost the game. I've lost the game. Plus when they, I mean, I could, once they see what I do for a living or my income, they're going to be like, how many discounts does USAA auto insurance offer? Too many to say 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 slash auto discounts. restriction supply. Yeah, no. Well, you could also just be a fucking and just, like, work 80 hours a week.

Like, I mean, you can, you can't, you can't, you can't, and I need to. I actually, and I can keep time. Like, trust me, you're not going to get sympathy on that. You'll get sympathy on the medical bill and sympathy how hard it is to look at your situation. Like, I will get sympathy on that, but, I mean, you also need to work. You're not going to get sympathy for pulling out your 401k to sit on your three months. What about Ubering? It's not working.

you're not doing it i think you need to be told when to show up and where unfortunately i think oh god no no you're right i've always wanted to be one of these people again just be like let's just go with the flow and you're irresponsible i need struck i need some kind of structure and discipline unfortunately i think and i think you're right on that i'm going to do your actual minimum minimum minimum to survive so like i'm like i'm not even going to include some of these minimums view payments because i just want you to survive it's dave ramsies like four walls things. He probably didn't come up with that, but, you know, that's what he talks about.

So your car payment, 455. If we at least start making payments, 440. 440 in 55 cents. If we start making payments, we can at least avoid the repo. Okay, so we'll do that for your car payment. What's car insurance? $200. Are you paying it?

It is current. Wow. It is current. Impressive. I know. I know. I'd almost, no,

I'm not even going to suggest it. Stop paying car. No, no, no, no, no, no, no. Gas, vroom, drive, drive, how much? Without Uber. Without Uber? Probably.

Because we're going to get a better job. Probably. God, I would say, maybe less than a hundred a month. Yeah, 100. Rent. Rent is 1290. When's your lease up?

November. Okay. You're moving into a studio in the cheapest place. I don't mind. that at all. Well, it's not really an option. 1290 for now. Gas, electric, all utilities, water.

Yeah, okay, so water and stuff's included. The gas is a, I mean, electric is probably like 65 a month. Water gas. That's included in the rent. Okay, internet? Internet is 65. And home insurance?

Rent insurance, 24. Okay. And that phone. TP fund. Anything else you need to survive? in life going 75 on that necessary food. I am going 300 hours on that follow our meal plan for a budget program. Yeah.

A month for groceries? Oh yeah. Super easy. I can live off way less than that. Okay, 250. Okay. Unless, yeah. No, you can. We just try to give some room. Are there ongoing co-pays that you need to take in like prescriptions and no.

Okay. Definitely no subscriptions. Do you have any pets? I do not. No. Good. No savings. Oh, phone bill. Phone bill is 65 months.

So you own your phone outright? I do own the phone. I do. Switch to helium, $20 a month. It's not an option. Okay. You just, you really do not have the choice of just...

But I've had this phone number for... You can keep this in phone number. Okay. But if you're not going to make the smallest sacrifice, I've lost all care. No, no, no, no, no. No, no. I'm willing to do it. it. Good. I just don't want to live in a crap area.

Crap. Oh, you're going to. $2,5.255. That is the minimum we have to come up with for you to actually not lose life and living in your current situation. That's just the car payment of your bills. That's no other debt. See, it's crazy. Yeah, it is. But a lot of people make that money. It's 30,000 hours a year in the Austin area, the immediate. household incomes like 70. Median, not average, median.

It's more in your favor. Okay. You literally just need to work. I know. The lowest, the median lowest wage in Austin's 18 bucks an hour. Yeah, 18. 18 times 40 times 52.

37,000 hours a year, boom. You just made it. You no longer have sympathy. Go work. Get a job. Be an adult. Okay. Well. Bulls food.

You spent 200. $43 but go and get grocery stores only $190. And actually they, they weren't because you're stopping at stores

and getting some crap so I know it wasn't. Well, what do you mean? Yeah. You're stopping you're just getting like $5, $10 things. How often do you cook?

Almost never. Yeah, there it is. Exactly. There it is. I'm devastated. I'm sorry. I am sorry. You've been through a lot

and there are, there are sad things, but there's so much personal choice in here and you're reaping the consequences of our system that is based on personal choice. You've lost the game because you've decided to be lazy. And that is unfortunately the consequence. Now, the good thing about the game is doesn't mean you're stuck there forever. You have a lot of time left. You can recoup your losses. You can make gains on this life, buddy. You can make your money. You can try to live the dream. That doesn't mean you're going to make it enacting. You're not entitled to

make it enacting. But you can, and you do have the ability in our system, to pick yourself back up and actually be able to pay your bills and live a halfway decent life. You have that ability. You have the ability still, still to live a relatively comfortable retirement. It will be on the lower end, but you do have that ability. It requires sacrifice and requires you actually having some discipline and not sitting on your playing video games through three months.

Your hammer financial score, spending a budget, I mean, you spent way beyond, you had to borrow money. It's not even, it's a fucking 0 out of 10. Pay the loan for debt. Zero out 10. You have $2.00 in your checking account. Retirement me, you just drained it all 0 out of 10. Real estate, 0 out of 10. It's, I mean, obviously, zero out of 10. Make sure to stick around for the post show. We'll have a conversation and dive more into some of the more dramatic things. While we have the numbers here, we'll dive into some of the drama in the post show. So check that out in the description below. And there's also resources down there that I use or would use in specific situations, including the best budgeting and investing programs in the history

of the internet. Stick around for the post show. on the financial audit post show. You were a Twitch streamer for two or three years. You say you were making five to six grand a month. It sounds like you had a lot of success doing that. Most of the Twitch streamers we have on the show make like $30. You killed your social life. But you got to where so many people want to be.

You know, and my followers would give me a hard time because they're going to take days off. I'm like, that's news or talk. You don't take any days off. But I killed myself. Yeah, you push it so hard that you went to zero. I would have rather you played the long game. To watch the financial audit post show, click the join button below.