Financial Audit - Pathetic Simp Drowning In Debt For Busty Latinas | Financial Audit

Episode Date: December 3, 2025

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Base time Graham Steffat. No, no, it's just your fault. Oh, it's just my fault. Sorry, Graham. He says it's just my fault. I was doing well when I was just watching Graham. If you had all that money still and you didn't blow it all on women, booze, you lost out on $4 million. Black Friday starts now.

Master Your Money, my own one personal finance membership is finally live. It is every single course I've ever made, exclusive content and a member's only community. Click the link balloon, become the member of the best money membership on the planet. I'll see you inside. My name is Logan from San Antonio, Texas, and I'm 21, and this is Financial Audit. Yes, it is. This has been interesting the few minutes I've been in the room. When I saw you from afar.

Yeah. I thought you were either a day, them making me my coffee or just straight up lesbian. Oh, yeah, that's incredible. He has birthing hips. For those who don't know. Maybe you want to stand up and give us a twirl? Happily. Happs?

I think I don't have birdies. Oh, this is why I saw it afar because he has so many things in his pocket. So when I saw him across the studio, I was like, all right, we got a lesbian. Yeah, big time lesbian. I'm a big time woman lover, so I'll take that. Yeah, unfortunately, I just have a straight dude. Yeah, it's not as interesting. No, it's not.

Everyone likes good lesbian mix up. Yeah, we love the lesbians. We really do. So, Logan, thanks. for coming up to Austin. What do you do for living in San Antonio? So in San Antonio, I work at a data center and I also work at a zoo part-time. The zoo, perhaps? The San Antonio Zoo.

Yeah, I would guess. What's your position at the data center? The data center, I'm a critical engineering tech, so it's a multifaceted role. And people hate you guys right now. They're wrong. Oh, they're wrong. Yes, they're wrong. Data centers, some big upsetness. Now, people overestimate the water thing, but they don't, they don't.

don't overestimate the energy use. They don't understand it at all. The energy use is an actual real thing. And it's making energy more expensive. However, the water use, they have no idea what they're talking about. People, no, no, no, no. People don't know what they're talking about with energy either. They have no idea. Really? No, yeah.

So with how much we do, how much infrastructure is built just because of us, like, it's silly. Like, the argument that we spend too much and all this other stuff. And not to mention the data standard. I don't care about what private parties are choosing to spend. That's not the issue. But, you know, energy prices are dramatically going up, and it is, maybe a correlation isn't causation, but it is pretty aligned.

But the water use thing, they have no idea what they're talking about. Like 90% of water in California goes to almonds, so I don't want to fucking hear it. Alpha and bullshit like that. It's supposed to look water systems. Exactly. But either way, good.

You probably make a lot of money. I think it's a decent amount. What do you make? So at the data center job, I bring in about 3,300 a check, so 66 a month net. Yeah, in San Antonio, honestly, kind of cheap.

Major city, what is it? Fourth or fifth, most populated, I think fifth in the country, maybe sixth. Something like that. It's like a mill. But, well, no, it's one than that, but yeah, it's cheap.

You can stretch that pretty far. And then the zoo, why are you doing zoo things? Why not? Are you sure they don't put you in and then we just observe it lesbian in her natural habitat? Yes, I'm pretty sure. No, I don't actually work at the zoo for zoo purposes.

I do injection molding. What? Injection molding is like plastic. It fills into a mold. For what? For like toys and stuff. Oh, that's fun. So the zebras can be all zebra addict and whatnot. Yeah, yeah.

No, it's more like those kids. Good. Yeah. Good, good, good. You're a vocal fry champion, aren't you? How much do you make in that job? I make a band a month. That's a thousand.

You know what a VAT. I even know. Uh-huh. Yeah. You know the Vaz. So I get that as a stipend. If I've translated my. ethnic rap music.

Ethnic rap music is crazy. It is. You like that? Yeah. Bam, bam, boom, bang, boom, bang, boom, bang. Boom, beep, beep. Oh, my God. Nope, but that's my stipend,

and then I get 7.5% of gross sales. What does that average out on a monthly basis? So I'm at Annie up annually. So I've only been doing it like three months. So I'll know. Can we ring in Tyler real quick? This is very important. This is very important.

Oh, man. Just hold on. Oh, here he comes. You know, you love him, especially if you're a hammer link member. One of our favorite producers, come on in, Tyler. Come on in, Tyler. I just, I need permission. He said he makes a band for one of his jobs, and I said,

oh, I know what that is through my translating from ethnic rap music. Am I excused in saying that? Yeah. Okay, perfect. Because I was invited to the cookout, right? No, no, you were invited to the cookout. Invited to the cookout is insane, bro. You had a doo-ie on his head.

I had a Dewey on his head. He's invited to the cookout. He's valid, bro. You get him to do-e, bro, it's crazy. Doey, bro, he made Kool-Aid the right way, bro? Sugar, mix that bit? Come on, bro. It's true.

Come on, bro. We're getting them culture, brother. We're getting them culture. I got you, bro. I got you, bro. That was a weak dad. What's love? What's love?

Thank you, Tyler. All I'm going to say is the snap after the DAP tells me all I need to know, bro. Sorry for the detour. I just need you to know you don't have to cancel me for saying that. And now we're good. Uncanceled, once again. Yeah. So it looks like it's a total, well, yeah, the gross sales.

They're the percentage. Like, what is averaging out? So doing, like, I get access to all the reports and everything. So I would say it's about an extra right now, $600 a month, that I'll ante you up at the end of the year. Uh-huh. It's handed out at the end. So it stacks up all year? Yeah. Well, I can pull from it earlier, but I'm just not.

Why? I don't know. I haven't thought to. Okay. So 8,200, right? Yeah, seems about right. That's what hits your account on a monthly basis. If you withdraw what you should? Well, I don't want to withdraw from that, the 7.5%. Why, sitting there at 0%?

Well, the guy, like the owner, he uses a lot of that for like operation stuff. It's your money. I mean, yeah, but I don't know. Hold it. I'm going to get the end of the year. I'm just going to let you know. Yeah. little spoiler. If you're on the show, you're

you need the extra money. You don't get approved to come on a financial audit unless you're f***. You need the extra money. Well, I can make more extra money for my main job than that. Either way, it's money you earned. Pull it. Okay, okay, okay. I'll talk to

him to get it pulled. Talk to him. You don't have access? Well, no, the way it works is he has to like fill this form thing. It's like a whole process. Okay, good. And you'll do that on a monthly basis. 8,200. Okay. Yeah? Yeah. So the sound about right to you. Yeah. If I look in here, will that look about right? Yep. Yeah, looks about right. And then you spent basically all of it, it seems, okay. So what's going on here? So pretty much,

if you think about it, it's actually kind of all your fault for the reason I'm here. Um, because I invited you? A lot of like my problems in debt and stuff are all surrounded around this one car. Did I sell you a car? You didn't sell me this car. You didn't sell me this. car, no. But it's a Jeep compass. And see, as avid fan of the show, why did Jeep Cherokee? I know. And I couldn't afford the Jeep Cherokee. So I got the Jeep Compass and it has pretty much financially ruined me over the last two years. How? What happened? Was it new? Was he used? It was used. Okay. How used? Uh, 60,000 miles. Okay. Yeah. So. What was the condition? That's Miles. What was the condition? I got it in perfect condition. And I was traveling a lot for my old job then.

In this perfect condition, did you get that approved by multiple mechanics before you purchased it independently? One mechanic, but he's on my bike. Well, fuck you, dude. It cannot be a personal attachment mechanic. It never can be. You should never use a mechanic, you know. It just gets weird. I mean, it could be good for a quick emergency, sure.

But if you're actually trying to get done, I want to go with someone who's out there grind and there's no personal impact. Yeah, so. So you got a cheap that I've never had. that I never said to get. What did you buy it for? Well, you guys, here's the thing. Here's the thing. Like, I coming out of high school was like super into you, Graham, me, Kevin, all these guys.

Okay, high school. I was literally just starting, by the way. Yeah, yeah. And so what I'm saying is... I'm glad you know lesbians are into me. I had gotten the Jeep Compass. And at the time, I was like in like Graham Steffin Discord talking to people about which would be a good investment and stuff.

And they said Jeep Compass? Well, no, because I was talking about like, oh, you know, Caleb has a Jeep Cherokee. makes more sense. And so I got the Jeep Compass and it was good for like maybe eight months and then it's been a FaceTime Graham, Stefan. That's a subtle flex. You don't think

we're friends? I don't know if he'll answer. It's early. His time. He's West Coast time. I'm actually such a big fan. This is crazy. I don't know if he'll answer. Oh my goodness. He actually did. Hey Graham. Oh my God. I have a question real quick and I did assume

that. I am talking to We're calling him Logan. Hi, I'm a huge fan. What's up, man? Do you have 30 seconds real quick? Yeah, I can be it. I haven't had my coffee, so sure. Well, you know, Logan is on this show,

and he blames all his financial mistakes on buying a Jeep compass, of which apparently Caleb Hammer, Graham Stephan, and who else did you say? like Andrejik, like who else? Meet Kevin. Meet Kevin.

Okay, meet Kevin. Come on. I don't even know him. But he says we recommended to buy a Jeep compass. I don't remember ever recommending this. Did you? No, when did I recommend a Jeep compass? No, Graham didn't recommend the Jeep Compass.

I was in your Discord whenever I was buying it. And I was messaging the guys on there. And they're like, yeah, it seems like a good idea. Big difference between me. No, yeah, yeah. That is a big difference. What are you talking about, Logan? No, no, no.

I was just taking the seal of approval from the gurus of the field. If the internet says it's a good idea, it probably is. Exactly, bro. As an iPad kid, you know, I got to take that. Okay. Well, thank you, sir. He could have done worse. He could have done worse.

to mention I still 013 on it. And it's just bad after bad after bad after bad. That's not Graham's fault. That's not my fault. And I can't speak for me, Kevin. I've never talked to him. No, no, it's just your fault. Oh, it's just my fault.

Sorry, Graham. He says it's just my fault. I'm not holding Graham. Graham, I was doing well when I was just watching Graham. Then you came out. Dude, I'm just saying when I was just watching Graham, I had the 10K. I had my fidelity set up. You know, I was doing well off you, Graham.

And then the Chase rewards? I got hell of money off of that, bro. Thanks for you. But then I got involved. Yep, and then Caleb You have to pay for it, Caleb. Now it's your responsibility. That's what I'm saying.

Yeah, so I think Caleb should owe me the 13 for the Jeep, the eight for the damages, pain and suffering, that's going to be at least another 25. Let's call it an even 50. Even 50. Don't forget insurance. Oh, and insurance. Gas.

You know, my insurance was $4.20 a month. Yes. Graham, thank you, bro. I think he owes me 50. We'll call it 50, right? Round it out. Thank you, Graham. Go enjoy your coffee now, Graham.

You're welcome. Grab you the goat. Bye. I'll see you. Bye. Do you feel bad? No. Explain to me how this was my fault, please?

Because I haven't heard that yet. What do you not understand? Well, you got a cheap compass. Why was that my fault? What did financial audit recommend? Did you come? I mean, I said, yes, go get it approved by. Okay, what did you buy it for?

Let's get some more details. Okay. So I originally was listed for 25. I got it for 21. And then I've paid it down to 13 now. But I had to drive it a lot all across America. So I put a lot of miles on. What was your first?

It's your fault. How many miles did you put on it? Did Caleb Hammer call you and say Go put a ton of miles on a car? I put 65,000 miles on it. I mean, I drove my Jeep Cherokee from Austin to Michigan and back many times. And I didn't have it.

I drove to Michigan as well, that's weird. I had a couple issues. Yeah. And that's that my battery died just like a couple times throughout the years. But that's like a couple hundred hours. The battery was the least of my worries. The battery, the overheating problems, the radiator, the cooling lines, everything. I replaced every hose, every, every, I replaced every hose, every, I

I replaced the whole engine in it. It was a nightmare. Why would you do that? Was that even worth it? Like, would I necessarily recommend replacing an entire engine? Well, so the reason it made sense to replace the entire engine was at the time I had blown a head gasket and I had a warped head. And so it was cheaper to buy a new engine for me than it was to get that repair. And I actually got an engine with lower miles on it and such.

I had that inspected by another mechanic as well. But my confusion still is exactly the point of why it was. was my fault. Well, if you think about it, you're advising people on the internet about money and then you go on here and, you advertise this lifestyle of financial responsibility. Yeah. Oh, no. I'm just imitating.

It's evil. What exactly was my fault specifically? I would say that, you know, advocating for a certain type of vehicle that is reliable and getting it, you know, checked out by a actual mechanic and all these sort of things, it's exactly what I followed and I got screwed on it. What did you buy it for? 21. I mean, listen, I'm okay with like a $10,000 beater to get from point A, point B, oftentimes.

But just like in personal finance, one, it's all personal. There's no one size fits all. If you're a national traveler in every way whatsoever for a job, am I necessarily recommending a $10,000 car? No. 21, sure, probably. I don't know if you got a good deal specifically. If it's in a price range for, I don't know what your income was,

like that's something we could do. And you took it to a mechanic. You did well there. But you'll put a lot of miles on it. Who knows if it was worth 21, though? Was it worth 21? I would say it was worth 21, yeah. It's just...

Well, things ended up going wrong with it later on. Yeah, how long did you have it before things started going on? I would say about six months. And then I remember I was in Oklahoma for some work thing. And then it was just time and time again, the AC went out, and it started overheating and all these other issues. It has an absolute nightmare to deal with. And constantly breaking down, 300.

dollar toes. Sounds like you got a 21,000-hour car. He got unlucky. Yeah, it's a real nightmare. Do you think the alternatives to that is spending a 50,000-hour car you can't afford? No.

Then what the fuck are you saying? I'm saying, just go ahead and slide me the 50. We'll call it even. Shut up. No, now I actually have a truck as well. See, so I don't give a fucking why do you have a truck for this?

You don't do truck stuff. Sometimes I have to do stuff. You don't do truck stuff. It's a Ford Ranger. It has a ton of cover, so it's good de ass mileage. But I do have to haul some things. I feel like a lot of, of my issues aren't actually with financial literacy and with the online sort of like courses

and all these other things that are available online. I feel like a lot of my issues have just been with the personal responsibility because I've been very responsible and financially literate with my money in the beginning and it ended up turning into a lot of just bury my head and mistakes that were mostly surrounded around like not paying attention to money. So I don't think financial literacy is really the problem. Okay. How much data? Do you have today? In total, 60. Basically 64.

So you're off by 4, which is a substantial number. 4,000 is not insignificant. There's a little bit of financial illiteracy there. If we don't know how much debt we have. I mean, you are close. I'll give you credit for that. But how are you so f***ed today? No, not Caleb Hammer.

Like I said, a lot of my mistakes, they did start with the Jeep, to be frank. The Jeep started the lot of it. Okay, when did the Jeep start? Two years ago. Okay, when did it end? It's still in my parking lot. It's there, but it's not your main thing.

It's not sure you're not putting money into it because you don't need to because you're driving another car now. You're a truck. So when did the Jeep end? Well, the repairs are still ongoing. The truck came almost a year ago. Okay, so for the last year you didn't need required to put money into the Jeep. Yeah, but I need to sell it. I agree, but it wasn't like a requirement for life and living.

But I need to have transportation that's reliable. But you have that. You have the truck. Yeah. So what are you talking about? That doesn't mean we're putting money into the Jeep this last year. Well, I haven't been putting money into the Jeep last year trying to get it up to the What the fuck you're talking about?

Well, I know that, but you don't have to. But I need to be able to get rid of it. I got to repair it. I agree. But how much money is worth actually putting into it versus just letting it go? Are you, what's your credit score? Well, I don't know. What's your credit score?

My credit score, I'd have to look it up on Experian. It's like 60 or something like that. Okay, I don't necessarily want a voluntary repo necessarily. We could pay it off. I mean, you make good money. You could tackle. I'm guessing that's the 13K. Yeah.

You can tackle that. That's well within your ability to tackle big guy. Even if you sold it now for a few thousand, it wasn't absolutely great. You're at least not putting more money into it when you could be putting more money towards the debt. And see, I try. I see you're trying to make the difference. I tried to do that. I, um, I.

Lord all the money go that you made senior year of high school because, again, it was only three years ago. You're young. So I'm not going to lie. When I was a little bit of a bender. Okay. I'll be for real. Wait, when full alcoholism? before 21?

No, that was, yeah, I guess so, yeah. Traveling, women, food. Women? What are you doing, you fucking go? I'm proud of you, but what are you doing? Women are my demise, bro. Me too. So much stupid purchases, so much stupid money.

I agree. Why do you think I get canceled once a month? Hell yeah, bro. It's an addiction. Latina baddies are my addiction. It's like I'm addicted to the shit. I don't know, I can't explain it to you, bro. You're addicted to bitches punch you in the face.

Well, Yeah, okay. God damn it. San Antonio. Yeah. Okay, fair enough. But, no, yeah. With a lot of these, like, the debt that got racked up,

it's all within like an eight-month span. Racking up debt for racks? Where are you paying to come? No, no, no, no. You look like a dude that would pay to come. What the fuck, no, bro. I would just, I like, when I would have a girlfriend, and then I would just spoil the fuck out of them.

Why? Sugar Daddy? No, not Sugar Daddy. You made, like, $120,000. You made, like, $120,000. It sounds like, before graduation. I made more in my, like, last job, actually. No, before graduation.

Oh, yeah, yeah. How much were you spending on what for these women? I don't know, Airbnbs or hotels or flying to places, food, boogie dates, like that. Okay, and how much did you spend on this? What, so you could get your dick sucked? No, I got that anyways. But would they have stayed?

I don't know. I take care of my own. That's all it is. You know, it's nice to be able to give them stuff and do things with them and... I mean, going into debt to be a simp is a bit. It's a little pathetic. Well, a lot of the debt actually would come. I would make the bad financial decision.

I mean, I'm being told. And later than month, I would be like, oh, fuck. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting $179, like the next grill three-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all together. Shop Spring Backyard Day. for seven days at the Home Depot.

Now through May 6th. Exclusion supplies to homedebo.com slash price match for details. I don't have enough for X-Y-Z. I'm being told you moved to San Antonio took a shit job pay cub and you immediately because you matched with a woman. Oh, no, no, I forgot.

He told you about that. This is what a sim. Okay, so, no, no, no, no. There's more to this. There's more to this. There's more to this. So that chick didn't actually cost me much money. She had an O.F. She did. That was bad, bro.

She was freak. But no, I, uh, In what way? In what way? Bro, she did degenerate shit. So, like, with me, she was pretty... That could be great. I remember I came home one day, and she was like... She was at my place.

And I was like, what are you doing? She was like, I mean, you gotta go to the animal store. And I was like, the... And she was like, for my only... I was taking it back. She had to go buy crickets to squish between her toes to fucking film for a request. Oh, that's not degenerate shit.

That's... That's what I'm saying, bro. Okay, because I like degenerate shit. I can get behind some degenerate shit. Don't get me wrong. But that shit was fucking weird, bro. She was on some fucking... And you took a pay cut and all this shit

just to be with your OS princess. No, no, no, no. I took the pay cut because I was doing the big box contracts, right? But robotics has always been my passion. And so I wanted to go into the field of robotics. And so I just applied hundreds and hundreds of jobs.

And then I got in contact with this one owner of like a local automation company and they were like, hey, you seem cool, you want to come do shit work for us? And I was like, bet. And I got from the money I was making all the way down to $21 an hour. Yeah, I mean, that kind of makes sense, especially if you continue to sim, let's see her. Huh?

Let's see her. Oh, I don't have the... You don't know her Instagram. I'm blocked on there. I'm not. I mean, I can try to find it. Try to find it. I'm blocked on there.

I don't know her name. You don't know her name. Yeah, I know her name. I mean, I told you spent $17,000 in just too much. on women. Airbnbs and all this stuff. But no, I couldn't. I scroll to the bottom. You don't know? That was like a year and a half, almost two years ago now.

Yeah, go ahead, $17,000. Look, private student loans can make you feel like you're one miss payment away from selling your grandma's hairlums. We miss your grandma. Why Rify says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates on

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Because, let's be honest, living with crippling debt until your 90 is not the retirement plan you dream. of. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money is going every single month, spending, subscriptions, and savings all in one simple dashboard, everything you need and nothing you don't. And when you download Dollar Wise today, you'll get to try it for free. plus three months for just $9.99.

So you can finally take control and see what your money's been doing behind your back. Click below to get started. But no, the $17,000 in two months, that actually had nothing to do with women. I was single then. That was actually, oh, dude, I was fucking, I remember those two months.

I was traveling around back and forth from here to Chicago, and then I had to stay in Chicago for several of those weeks, and I was with my boys, and we just went ham. We were working nights, And so in our days off, we were just out and about.

I was buying a bunch of stupid shit. I bought the meta glasses when those first came out. You know, new phone, new iPad, this, that, and the other. It was just a bunch of tech stuff mostly. And then a lot of booze. I feel like that's why you are where you are today. Because if you had all that money still, and you didn't blow it all on women, booze, tech friends.

But the debt didn't start until I got the Jeep. The debt wouldn't have been there. If you didn't blow all that money, you would have bought the Jeep in cash. You would have done the repairs in cash. You would have cut your losses, got a different car in cash. If you didn't blow all your money, this wouldn't be a problem. You were 18. You made a lot of money. You considered yourself financially sound. I mean, you told me you were watching Graham and others and whatnot back then. So, and I guess me, even though we barely just started. However, even still, if you did, you didn't follow what anyone would have said.

You could have set yourself up for an incredible success. How much did you have in savings at your height. Before you f*** this all. So it was a little over 10K. It was like almost 11. And then in Fidelity, it was like 3.000. 3,000? Yeah. And then in Robin Hood is like another band. And then I kept a lot of money

in PayPal for some weird reason. How much? I'm like another band or two. This doesn't make sense. What does that get us to like 5-7? I don't remember at this point. It was like 15, 16K. That math that don't add up. But either way, you made it sound like you made like a hundred

$140,000 a so junior senior year combined. No, it wasn't 140. It was like 120. 120. How did we only have 2015 to show? Call it 100,000 because you were like low, low, low, low, low, low, low, low, low, low, low. At 10% growth, not putting anything in, not putting anything in at all. At all?

Yeah. And just letting that 100 sit for 41 years to 65. You don't hold your whole income. You had no overhead. You were in high school. You had low overhead. Very low. Fine.

Call it 80. Because you could have set aside the vast majority of the income. Vast majority in your situation. Yeah. You lost out on $4 million. $4 million. And now it's not only that, but you're negative $65. Yeah.

From having $4 million you could have had. And by the way, probably closer to $20 if you kept contributing throughout. You know, $20. $20 million to now a negative. worth of 65. And yet you were watching all the financial channels of which who no one recommends. People follow those channels. They turn their lives around. They get massive investments. They get good credit cards. They live good lives. Yeah. And then you show up at 21 negative 65,000 hours. I got to show forth than potential STDs. I have no SDDs. I got checked. Well, that means you

didn't live enough. Honestly, I got burnt out to be frank. Like, I was just tired. Or the tip of your dick was burning. Which one? The tip of my dick is never burned. I never got STDs. Then you never left you. You wrap it up. But no. I was burnt out from all the work of everything. I had been since I was 16 working, you know, 60 to 80 hours a week. And I mean, I still am.

I mean, you crashed out with your family, apparently. I mean, just I don't think you're living your life like crazy. Oh, yeah. Fashing around with our family. There's been so many events and all this craziness, blowing all your money. There's so many situations throughout this entire process that at the time just... Why did you catch out with your family? I'm learning you.

I need to learn everything about you. So my family and I, we've never been. close. They're not like, I wouldn't even call it family. They're just people I grew up with. What? Like, it's not like that. Like, I got two my close friends, they're my family. Well, they ask you for money all the time, even though you're negative 65, I'm being told.

Luckily, that's mostly stopped. They have borrowed a lot of money for me. Well, now you're poor, even though you make money. Yeah. They Which is ridiculous. They're all for the vagina. It wasn't all for the vagina, maybe like 60%. Vagina booze traveling. Come on.

Power of the pussy man's. Yeah, but No, with the family thing... Except I don't spend money for that. I never had to, like, work. I mean, you don't have to. I've had a lot of sex. Yeah. That's a weird statement, but...

No, no. No, we're goon brothers. We're goon brothers? We're goon brothers. I've had a lot of sex. I've never had to, like, you don't have to do anything. But when you have a girl... But I get them a McFry.

When you have a girl, and they make, comparatively to you, almost nothing. You don't want to put them in, like, the same life, style you have. Yeah, in marriage and engagement, or really far into the relationship. Not an old chick who's squishy crickets. Okay, like I said, that one I didn't, that was a six-month thing. It was on and off. That one wasn't as serious.

It was my most recent one. So what's your current living situation then? What at least do we live in? If you're just breaking up with everyone endlessly, we live in alone finally. So yeah, I live alone. I have an apartment in San Antonio. It's a two bedroom. One of the bedrooms are in my lab.

And when was your last breakup? Two months ago. Did that push you to this apartment? No, so I actually, the one before this was a lot cheaper And I was gonna stay in there But with her, she ended up moving in with me pretty early on But you just broke up Yeah, we just broke up, that was like a year and a half ago

Let's see her Okay, let's see what he pulls I have pictures of her Let's see what he pulls I don't like, if what I said I've had a lot of sex sounds weird I have pictures of her also sounds very I don't, well, not like that, what the fuck

You know, this reason I haven't deleted him But I don't pull, let's make that very clear I have no game He's really bringing the expectations down. But she's cute, but give me more pictures. Oh, okay. Bring up like an Instagram or something. Like, that's, but I find like, you know, just like the morning messy look cute.

So like almost anyone would look cute in that. A lot of my pictures of her are like that. Just bring up her Instagram, creepy thinking pictures in the morning. You're blocked? Why do you always have bad breakups? I've never been blocked by one. That's when we went on a date. She's cute.

I know she is. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. Be careful going through my photos. You might see some shit you don't want to. What would you have?

There's no Dickies. Are you saving Dickies? No, I don't save Dickies. What the fuck? You might forget to, or I don't know, there's weird shit in there. What would be weird? Well, now I want to look. No, what the fuck?

They'll do that. You're gonna see some weird shit. What's weird to you? Tell me what weird is before I stumble upon something. I don't know. You might see some personal shit. I don't know. Some fucking, I don't know.

Me and her. I don't know. I don't know what I'm looking at. They're wires. Okay, here she is again. No, she's cute. You pull okay. I don't pull.

I don't pull. They come to me and I don't know how it happens. It just does. I have no game. I'll admit that openly. Zero game. You know how I got her? What the fuck is?

What is that? Oh. That's my shit. This is actually, I would say, one of the most boring camera rolls I've ever gone through. It's not boring. Those texts are exciting. You know how much China would pay for this shit? It's just cats.

My cats are adorable. They are adorable, but it's not weird. I was hoping to see like a line of cucker. No, I don't. That's actually a talking point of why we broke up. No, she's cute. I know she's cute. So she had a problem with and I told her I've had a lot of, I lost my friend to.

it. My mom was going on through. He's not dead. He went schizophrenic and now he's homeless and just on the streets. And you think that was because of, I know it was because he lived with me and I watched it happen. It does lead to higher chances if you're doing those kind of drugs when really young. But with her and it's, it's so bad. I told her when we got together. I said, you can't be with me and do and there was like constant. Every time she would go home, she would end up doing it. It would cause issues. She would do something. Every time you guys went home? She was snorty? No, no, no, no. She went to her hometown. What?

With her family? She was like, let me get some... With her ratchet-ass friends that are over there. And I would always... Why would you stay with a... Well, that's the thing. Just flat out, why would you? So she kept...

She would go like three, four months without doing it. She would go back home with her ratchettous friends, and she would say, we're not going to do it, and then she'd end up doing it. But the reason we broke up was, because of alcoholism, she would, like, get super drunk and go on these, like, four to five-hour tirades of just, like, talking,

throwing, shh, breaking shit. She keyed my Jeep, poured water, my beds, smashed my alarm. Yeah, bro. And you know what? You broke up with her. Yes. Good. Because she sounds like a crazy.

You know why she keyed my Jeep? Why did she key your Jeep? So we went out to get some food. And I was closing out with the bar keep, you know, getting a couple beers. I tipped $4 on a $21 bill. And she said that I was showing the chick bartender special treatment. And that's what led to it. $4.00 is a special treatment?

That's what the fuck I said, bro. How much was she spending on? That's what I want to know. Because also she barely fucking worked. So that was all my money. Boring, Camero. Okay, well, I'm wrapping it up because I've f***led forever. I didn't get this.

See, there wasn't one weird thing. See, a line of fucking thing. Like, that would have been incredible. All right, what do you think your financial score is zero to ten? Zero being the absolute worst? 10 being the absolute best. I'm going to go with a two. Just because I have some in 401K

and I have a decent income. Income doesn't really. You can be making a low income and still be in a good financial place. It's what you can be, you can make millions of dollars a year and be absolutely beyond. Well, if income is account, then I'd say one. Okay. If you want your Hamer financial score, see where you stand in the world of finances at Calebhammer.com.

Take the assessment. It is free, and you will see where you need to improve where you're doing well. So take it. Why not? And if you don't want to be like a guest who ends up on the show, make sure you download the dollar-wise budgeting app. My preferred budgeting app. It is great tens of thousands of people have changed their lives with it.

You can take a free trial. And if you like it, send it for the annual version to save a lot of money. And when you do, only for about a month or two left, I will sign my budget-friendly cookbook mail directly to you. And then it's going to go away forever. You giggling? Yeah, you fucking giggling at. Your cookbook, bro, it's funny.

Why? You look so cute. What? Oh, this is the big car. Yeah, that's the Jeep. It has been a nightmare. Yeah, it's entirely your fault. And none of your own actual decisions.

I'm just saying, you know, get advice. Because you chose to put a bunch of money into it before you got your truck. Yeah. How did you put into it? I put in almost $8,000. That was your choice. Yeah, fixing it and trying to get it right. And then I was going to sell it and get a lot for the difference.

Yeah. Because you're still putting more money into it to bring it to a place where you can sell. Instead of just, oh, okay, cut our loss and let's just focus on paying on the debt. Yeah. Like how much, for every dollar you put in, how much, how many dollars are going towards the actual sales price, right? Well, I looked it up online and, as it is now, I have a couple more things to do. I have to fix the key from the Latina.

But I think I can get like a... Keating cars. I don't know why, bro. I'm like, I'm glad you didn't do it to the truck. I was like, okay, you didn't do it to the truck. But yeah, that piss me to fuck off. They're taking advantage of the flexible motion that they have before they hit 25.

God damn it. Oh. No, definitely. She was hardcore with it. And the worst part was I had to wake up for work the next day. And she was yelling at me until like two, three in the morning. And that's whenever she poured water all over the bed so I couldn't go to sleep. And she have... Why were you with this woman?

I've never been with someone that has done one percent of these things. And then she punched me in the head twice. She, uh... Yeah, she threw all my shriek, broke it, smashed my alarm clock. I'm calling her in the post show. I can't. You can't. She blocked me on there. She just didn't want to talk to me.

I have. phone. She doesn't want to talk to me, bro. She won't. I will. Bro. That'll be fun. Stay tuned for that. She made it clear. I don't know. I don't even want to f*** it anymore. I'm just kind of tired of women in general. I'm good on them. You know what I mean? You're going men. You know, I was actually joking when we were in the green room. I was like, it'd be so much easier if I was gay. One of my, like, day one. Yeah, so you were talking to very gay Colton. Yeah. One of my one of my day one homies, my gomi, if you will, he's married now

and I was talking to him and I was like damn bro I wish I could switch teams it'd be so much easier stick it in a dude I don't know I'm good on that but unfortunately

I'm sorry I'm sorry it's just I hate y'all so much what's the interest rate on this card on that one it's gonna be 8% that was also not my fault nor did I ever say

to go get an 8% alone 17 or 18 I forgot what I got this a couple years ago yeah yeah I don't know that was a lowest century Probably about 6% is what you would have gotten. Yeah, but that, I was only on my income.

I was, I'd never had, uh, my parents car insurance or anything for history. And so, I don't know. It's for history. Uh, like, um, most people are on their parents' car insurance when they're like 16 to 18. Why weren't you? I mean, I'm not cool with them. And, um, why aren't you cool with them? It's a lot, bro.

Okay, so my mom took us everywhere growing up, you know, place to place, place. We moved every, like, eight to, eight months to a year. and we were never ever stable anywhere. And so everything I've done and everything I've built has all been with just me. So she was always kind of just like a place I stayed sometimes. Such weird dynamics with everyone. Is it not an odd thing that every single person

you've had an interaction with in like a more close relationship, family and girlfriends, everything ends up in crash out blocks? Yeah, it sucks pretty hard. Except my day one homies. Those guys are right or day. Uh-huh. For now.

You're 21. Yeah, well, I've known since sixth grade. They're cool. You're 21 for now. Yeah. I don't know. Trust me, life comes. I mean, I rock solo down here.

They're all far away. Exactly. I rock solo here in San Antonio. And I got to say, like, I'm in my best when I'm alone. Like, ever since the breakup, I've been doing a lot better. You know, $13,730.15 on this, 8% interest rate, $386. 0.36. Minimony monthly payment.

Mm-hmm. It ain't cheap. No, it's not. But. For your income, that's certainly okay. but it's just sitting there doing nothing. Yeah. So you looked at, okay, if I do this,

if I do this, I can sell, what's the number you're seeing? So I think I can get about 8K for it once I finished this last year. After you already put in 8? Yeah. And then I can't get a loan for the difference. Again, if you listen to the show,

if you listen to any of the other people, you would have known that, okay, maybe if you owe $13,000 on this and it costs $8 to sell for $8. Well, that was like a year ago. Cut your loss. Because you got the truck already. ready anyway. How much more do you have to put into it to bring it up to that?

To bring it to where I can sell it? Or wait? Eighth, yeah. Okay. How much more money? Oh, it's going to be about 500 bucks. Okay. 300 for the paint and then 200 for the doing and get rid of it. Yeah, that's my current plan. I've been trying for a while, but I'm just now finally about to. I just got to pay it down some more before I can sell it. 600. Okay, so it's your four. That's the truck. And this is much more expensive. Yeah, it is. And I got to be honest, This was a little bit, or a lot of it, of a what I want purchase. I've always wanted a Ford Ranger. Why?

So you might be big and shit, but you ain't no fucking Farfucking Ranger? Well, when I was a kid, I grew up in East Texas, and so, you know, it's like I want to have trucks. And I just really like the Ford Rangers. They're sick. It's like a tiny truck. You get good gas mileage, but all the benefits of a truck. Okay. Well, you owe $33,723.

I know. What do you think it's worth? I looked it up on Kelly Blue Book. I think it's worth about 28. What are you getting? What did we do? We have $16,188. Oh, yeah, probably don't have all the packages, right.

Okay, so 20? 20. Is that what you said you saw? No, 28. 28? Really? Are you sure? Yeah, because it's the Ford XLT.

The package just brought it up that much over like 12,000. It's the XLT with a tunnel cover with a slight lift. No, we did your VIN. We would have it. Oh. We did his VIN, right? Oh, you didn't send a VIN. That's my fault.

But yeah, I looked it up and it was about 28. But this I want to keep. That's fine. I mean, with your income situation, if it was just this, we can deal with it. Yeah, so that's your plan. You got the old Jeep that you put more money into than you'll ever get back. And we have credit cards galore that we're about to go into. Well, the credit cards.

So if it was just this, I would agree for your income. It's fine. Yeah. The reason I'm not worried about the truck is I'm going to get rid of the Jeep pretty soon. I just got to pay it down. And the credit cards are with my main focus is right now. So the plan is credit cards, Jeep, and then you spend everything you made. Well, basically the dollar, you didn't necessarily overspend, but you didn't underspend either.

So what's the interest rate on this? That one I refinanced to 9%. It was at 13. It's the best like of debt. Yeah, because your debt to income, well, your debt to income is not maybe the most horrendous in the world. It's probably not great. But the thing is you do have bad debt and a lot of it. And it was worse.

And probably young credit because you have so many cards you've opened. You'll see. it was a, my credit was a lot. Nine's insane. My, my total credit, like, usage was a lot worse then. You can get a car loan for 6% right. I don't know. 21 year old, you're right, that is hard, but you're making it even harder by opening all these accounts, making your credit. I know. It was like an extra 5K. And you have substantial debt. Yeah. It was a lot worse. I paid it down. And so I might be able to refinance again here soon. We'll see. I'd wait, I'd wait for rates a little more. Yeah. So I was really happy to refinance, though. Um, I did keep the payment the same. You can probably tell us. But at 9% took off a lot of time. So I was really happy with that. Yeah, it's $630.34.

It's not too bad. Honestly, the insurance is a little high. It's 330, which is probably pretty average for my age group. The Jeep insurance was $480 at one point, though. And that was monstrous. That sucked. It was more than the payment. Yeah, and the mid-monthly payment's chunky, too.

Because when we add these both together, Yeah. We're talking we're at like a thousand bucks a month. And then insurance is 300. Now luckily you're bringing in 882 because you need to bring in all your income. Yeah. You really do. And luckily the income too is it's one of those things that I'm able to control a lot.

So like if I'm low one month, I can work more and make more money. Why aren't you always making more? I am. Pay off your debt closer. What? No, you just said you can make more. Yeah. I mean, I have down months.

I have down months where I'm like. Wait, why is it down? Well, like that month, for example, is going through a break up. If you can make more, why? I am. What do you mean? Well, I was depressed after the breakup. Oh, dude, just literally download Grindr and stick it in a hole.

You'll be so happy. Dude, no, okay, hold on. Tender is cursed. Okay, I'm gonna tell you that right now. That shit is cursed. That's what led to that one f***-s chick. And, oh, man. Dude, no, swipe on Tinder, stick it in.

Have yourself a couple rebounds. I've been burned too many times, bro. I'm tired of women. I'm not saying go out there and date. I'm saying go out there and fuck. See, that's how you actually get a CD. That's nice. Put a condom on or people.

that you trust. I was supposed to trust when you meet on Tinder. Huh? Well, I'll build that relationship, then take it off. Yeah, I guess so. But, um, I don't know.

I'm just on women right now. Like I said, download Grindr, but that's an even quick way to STD work. Better than Sniffies. Yeah. You know Sniff? Huh? You know the sniff?

I thought you're talking about, um, no, but Grindr and Kuh, goes very well together. Oh, wow. That's a statement. What's this? Oh.

The, AT&T phone. Yeah, so that one... What? Okay, so this credit card... Okay, so this credit card... Okay, let me explain. What? Back up.

So, I got this card when I was with AT&T, right? And they were doing a promo, hey, pay your bill through this credit card, and you'll get $20 a month off your bill. Tight. And so I got that, and then what ended up happening is the Jeep repair came up. And that is the card that actually put the engine on. And that's where a majority of that comes from. And then, yeah, it's been really weird.

I switched to T-Mobile, and there's more complications with that that we can talk about. Bring it up on your phone. Bring what up? This? Because he didn't send a statement. He sent a screenshot. Oh, my fault. Someone who watches finance YouTubers doesn't know how to use these apps.

No, I don't think there was anything on there is why. Here go. No, you can download statements. There's monthly statements, big guy. There are monthly statements. Yeah. But I'm not with AT&T anymore. I switched to T-Mobile.

That's exciting. Yeah, but there's actually... Okay, so balance has not really changed. haven't really done any much even though you said this is your focus well i'm doing the snowball here's what no one warns you about the end of the year is basically a health battle you've got airports delays holiday chaos sugar comas and a sleep schedule that looks like a stock market crash but that is why i start my mornings with ag one scoop a day and i'm covering foundational nutrition that actually supports me through this mess when i am dragging through the crowded airports or getting tossed into

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junior, senior year of high school. Yeah, and I made more after that. And this is what we have. And this is what we have today. Yeah. That's insane. Yeah, I know. It was a lot of bad decision making.

See how I just clicked view statements? Yeah. Yeah, that's how you do it. So if you come on the show at Calebhammer.com slash apply, actually send a statement. Well, there wasn't anything on there. Yes, there is. There's interest accruing.

Yeah, yeah. $113.79. I get the total just like look of a year. Making minimum. How long do you think this takes to pay off minimum monthly payments only without any purchases? 113 minus $15.57, so 44, roughly 120 months, so 10 years.

16 years with interest. Oh, did the math wrong. 16, you did the math wrong. Math competitions were for nothing. Thousand hours in interest this year so far. Years end that will be close. close to two on one card alone. One out of many that we're going to go through.

That is my highest one. But barely, because there's many close to it. It's rough. Yeah, that one is probably going to... That's a rough one. What, and you want to start a company soon? No, no, no. Oh, I'm being told he wants to leave the zoo job in here

and start a robotics company soon. I do, I do. I want to do that after I pay off my credit cards. And have a year worth of emergency funds, and a minimum if you're going to the world and starting a business. Yeah, I'll probably do that next summer. What?

What? In what way? You're not paying off debt? You don't think so? I don't see any indication of. Oh, okay. No, yeah, I reckon I'll be done with the credit cards by like January and then I'll get a bonus. In what way?

I mean, we can go over the numbers. We are right now. I don't see it. And you'll have a full 12-month emergency fund. No, I won't have a 12-month emergency fund now. I'll probably have like a 3-6. Which, by the way, I know the little savings emergency fund you have right now. was completely blown yesterday.

Yeah, okay. So, buddy. Booz. I'm not doing. Women. Friends. That's where all your hundreds of thousands you've made in your young life have gone. And family. And I'm to,

and to family, I guess, even though you say you're not close to them. And I'm to believe that all these credit cards, this will be paid off. I'm late in a few months from now, and then a 12 month of the market after that. Locked in for a second, big guy.

You're, you're zinned up and you're gone. You're going to find another flap. You're going to dive head in as you all. See, this is what my homies were telling me. They're telling me to not include women, and so I pay the shit off. And I was like, this is a look at you.

Yeah. Sure, until you don't. Like you said, you and I have the same problem. Yeah. We like women. Whoops. You will fall back in. God damn it.

Luckily, I'm locked in, locked down. Yeah. With a good one, too. She costs you a lot? No. Really? No. Okay.

We live together, but no. I mean, anything I do, she just does with me. So I guess, yeah, sure, if I'm going out to eat, it's double now, but that's not like crazy. Oh, dude, that was a big thing is whenever I finally switched from eating at home,

because the original deal was, since she wasn't working, she was going to, like, cook and clean. That was, like, you know, a pretty good deal. The co-thead? Yeah. Okay. Well, she, I wouldn't call her a co-ed-ed-ed. Well, I mean, yeah, but.

She was a co-ch-ed. She relapsed like four times in the course of a year and a half. Yeah. It was really hard, though. It was emotional. It was really rough. These bad habits and stuff,

I felt like we're, you know, eating out every month I was spending like over $1,000 eating out on bullshit, you know, for two people covering everything she needs covered, which, you know, is obviously not her. I should have not done that. But now I'm in that mode. I'm locked in. I'm going to get the shit done. I hope so. temporary.

We can all get locked in for a day or week or month. I've done this before. You have. And that doesn't scream, okay, great, because that means we're not learning our lessons. We're not doing anything. We'll be here again. So that's why I'm just a little nervous. And again, if you blew your emergency fund yesterday.

Oh, yeah, about that. So I was doing the Dave Ramsey, banned, and then, you know, pay off debt. Why would you do that? $1,000 and then pay off debt. A thousand hours is not even close to enough. Well, because I know it's not. But what I'm saying is... Anytime people have been on this show throughout the three years that have done the $1,000

and then end up in more debt than they were before they saved up $1,000. No, one-month emergency fund or the money guy rule. Do you watch them? Yeah, I watched you on that. Okay. Okay, well, watch the money guy, too. They do highest deductible. Because $1,000 is nothing. He just hasn't changed it for decades,

and now their argument because they want to stick to the rules in order to sell their stuff, is that, well, it's because it's just about changing behavior and getting a W. It doesn't matter. More people, you end up with worse debt in the end because no emergency is less than $1,000, and then you end up in more debt.

So get that high-ded deductible, highest deductible over a month, whatever you want to do. I was going to do a rate. Well, either way, you blew it. Where? Oh, so I didn't, I didn't spend it. homie, he's going to police academy, and he's a newlywed, so he's down bad for cash right now.

And last minute, they dropped on him some big expenses, and so I spotted him. He's never asked for money before. It's an emergency fund, though. You can give, when you have more to give, that's when I do it, now you're f***ed if something pops up. Well, no, I'll be straight. Next week, I'll put it back, but. You'll put it back with your income, maybe, based on the spending. I mean, we'll see.

But two, what about does he owe it back to you? Yeah, he said he's going to get me back. I told him, you know, well, um, just, you'll put it. let me know when we're going to do it. But he's always been cool with me, and he's never borrowed money for me before. I trust him. I hope so.

It's not about trust or if he can pay it back. That's all you had to your name. If something happens tomorrow, you're done. Well, I still have money in my account. How much? Like $1,000 total. But I paid on my bills. It does nothing.

What do you think is an emergency is? It's not a bill. True. But I don't know. My other car is running. I'm good on the car. I feel like I've had every possible bad that can happen this year.

This is the thing. This is the thing. Yeah. Nothing feels scary. Yeah. When you haven't had an emergency before. I have. I've had all of them, bro.

I had the dog surgery. I had the someone died. Then having a thousand should terrify you. The car breakdown. Huh? Then having a thousand should terrify you. I really should. I guess I'm just jaded from it.

Hey, City, pull up this. This is a double cash hook. Yeah, it's the same. You can just swipe on here. It's on the same app. See, there you go. But, yeah, so that one, it was also car repairs. This balance went up, by the way, since the statement you gave us.

It went up. Oh, wait, no, it did. No, it did. It's about the same. Okay. $3,287. Yep. Minimum monthly payment of 91.11.

Yeah, those minimums get me, man. They always hit it the worst times. Yeah, because you're putting everything on credit cards, and this makes no sense of how you've lived your life and went from the most blessed position. and you could ever imagine I would I'd say I took it myself

but yeah but you can it's okay to be humble well no that's the thing is 12 years to pay it off minimum what? I was gonna say like what he said I had every possible bad thing happen happen

during those times like not everything but pretty much you had some bad things listen this will be a thousand a year a thousand this year in interest so now we're at about three things How is that one the same as the other one?

That's crazy. No, no, not a thousand this year so far by year's end. So we're talking 3,000 hours by year's end in interest. Fuck, that's tough. Yeah. No, but see, on that one, half of your month of income from your main job. And I guess you used this card for your robotics lab in your house.

$10,000 to $20,000? Oh, okay, okay, okay. So the lab itself is 10 to 20K. My lab is so sick, bro. If you saw it's so awesome. But I like to build robots. And I build a lot of them all the time. It's a fun hobby.

and I actually made you a robot. It's in my bag. All right, let's see it. Okay, okay, okay. And I put the little boo-boo on just for you. Oh my gosh, I didn't know you're a fucking... It's not mine. A word I don't want to say.

Okay, so keep in mind. I only had four hours yesterday, and I was left by, like, one... You didn't know you were coming on the show, and then that... Huh? You didn't know you were coming on the show? I work a lot. Okay.

Okay, but see... I have to plug it in. I only had time to do the essential parts. I was limited by print time. It says hammer. Hamma dat dollar. Oh, sorry. Yeah, yeah.

It's incredible. The money. Yeah, yeah, yeah, yeah. So this is kind of like my whole bit is I just make stupid robotics. And sometimes I do make actual robotics for work. This is what? We're starting on business with a nice tree?

No, no, no. No, no. The business is not this. Okay. And. Not loving your AT&T or T Mobile Bill. Yeah, we've been hearing that a lot. Good news.

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That's the whole bit. To save you from heartbreaking in the future, put your dick under there right now. Yeah, that probably would help my financial situation, remove the little head and think of the big one. But we've all. Yeah, you're right out of the show Silicon Valley from HBO. I don't know what that is.

You should watch it. Because you're like that. What do you mean? It's just all about you. You're every character in that show. How so? This. I don't know.

Well, I don't get the references, so I won't say it. No, I have a lot of robotics. And that's actually how it got into the job field that I'm in that is making the money. Yeah, I mean, I'm sure. My personal projects. It was a robot arm. Yeah. Hey, PayPal credit.

Hey, you learned how to send a statement this time. Yeah. Really proud of you. That one had stuff on it. Yeah, so the PayPal credit card, that one I originally got out for the flights, going back forth to Vegas. And what I did was kind of stupid. They had like a zero-interest thing. If it was work, did they not pay for it?

No, it was for my girl. They paid for mine. I know. I should have said that we were married. From the car. Oh, fuck. But, yeah. And so, yeah, I would take her to Vegas with me.

and yeah, it was a thing. But I got my check from it, and I was going to pay that back, but it had zero interest. So instead I paid another credit card. $2,363.95. And there's some other bullshit on there. Minimum monthly payment, $77.

You got Peacock. Oh, I need to cancel that, bro. Yeah, you do. It's Peacock. You should cancel it. But also, Peacock. You're spending on bullshit on a card you can't pay off that is accruing interest.

That doesn't make sense. Yeah. So, $54. $0.82. cents of interest accrued this month. I know, it's rough. Peacock, I need to cancel. I don't like Love Island those for my ex.

But there is a purchase on there that you'll probably roast me for. I don't see it. What is it? Okay, so we were talking about it in the green room. I got scammed. I got swindled. I got bamboozled. I got false advertised.

Tell? Okay, so what happened was, because I just got to get it out there before you see it, is I was growing on IG, fine shit popped up, and I was piqued my interest. And she was working an integral, right? but in like a slutty dress and I was like

that's pretty cool wait wait into huh calculus oh okay yeah yeah so that's like I was like

I was like this is pretty cool and she was like if you want to see me do this but naked go on I'm never been

this guy I've never done it but I didn't even get to goon to it I got scammed okay I was straight up scam bro I swear to God

I didn't even get to go on there and I'm like hell yeah shoddy's about to solve a you know you didn't take the leak site first I didn't, no, I should have.

A real gooner knows to check the leak size first. I'm a nude to only fans. I know, I've never done that before. And so I subbed and it was just her tits. And I was like, well, this is fucking lame. Oh, you saw titty. Yeah, but she wasn't doing math. So I was like, this is pretty lame.

Like, I'm just saying, ladies out there, if you want to make some money, you know, maybe like, you know, calculate the resistance of a circuit while you make it, throwing it back. Huh? Are they nice? I mean, their boobs are cool. I'm just saying it would have been cooler

if she was doing differential equations while doing it. I agree. Did you go through all their videos to make sure? I scrolled a little bit, yeah, and I got to be honest, I was duly disappointed, and I think I deserve a reflid. Yeah. You didn't come? No, I didn't. What? Yeah, I didn't.

I was really disappointed because I was down bad because, you know, I was pressed after this breakup, you know, and I haven't had none in like two months. What was a strip club? That was always my reaction. Brough. And then I went once with these people. You sound like my co-word. No, then I went with these people. And it was fun.

I've always thought of it to be a smelly, horrible. That's what it is. That place was smelling. Yeah. For what it's worth. But what the fuck's the point I've gone to a strip? And then I went with my girlfriend the next week. Yeah.

Yeah, we got laugh dances together. You're joking. Oh, why would I? That's crazy way. I can't just say I'm a gooner and then I don't goon in real life. She let you cuck her alive? That's crazy weird. No, we cucked each other.

We were next to each other. You're like swingers. She was making out with a woman grabbing tits. That's crazy work, bro. Yeah, it was hot. Okay, I mean, that is kind of high. We circle back to the lesbians. We like that.

I'm glad we have common ground there. Yeah. So, yeah, that's fine. Go to a strip club with your boys. Hard pass. I think I'll stay in my lab. Brandon, Lindsay and I will take you to the strip club. Bro, I don't want to go to the show.

Okay, you're a financial guy. I would go, but. You tell me, you will not go with me. You're a fan of the show and you will not go hang out with me at a strip club. Club. How much money does it cost? We'll take care of it. If y'all pay for it, then I would consider it.

Yes, we'll cover the cover fee and we'll give you a hundred bucks in dollar bills. God damn it. Okay, okay, okay, okay. Maybe, baby, baby. I got a Latina bias, though, so that's got to be noted. We might have to be able to say. They're very prevalent here. We're not that far from the border. Yeah, yeah, yeah. In fact, some would suggest they're the vast majority.

Because most of them cannot speak English. That's incredible. You all blitzkling. Whether or not for here legally, we do not know, but... Okay, we ball. I'm down for it. They're there. Dude, that's the most f***ed up thing Trump's done.

I'll be dead ass. He's trying to ban the Latinas. That's where I draw the line. Like, you know, make rich people richer and all that. That's fucked up. But when you try to get rid of the Latinas, I'm going to have to march in the streets. And I did.

There's picks of me. I'm saying don't get rid of the Latinos, man. That's f*** up. 15, 13 years to pay this one off. Oh, yeah, back to the day. You're paying for the O-F. Did you cancel your sub? Yeah, yeah, I did.

Good. I canceled it, and I wanted a refund, but they're like, now you already saw it. Hold on. I have to vet you. I'm not looking at anything necessarily, but log into your only fans right now. I'll show you, bro. I'm telling you, she didn't have math on there. It's f*** up.

I honestly really feel like I got scammed. All right, here's her page. That's not what I'm vetting. I don't want to see her page. That's not what I'm vetting. I don't have any subscriptions on you. Uh-huh. Check.

Uh-huh. He got a message from one lady this morning. They all message you. Yes, but that means you subbed at some point. No, they message you, though. She's Asian showing whole. I know, but they don't message you unless... Asian showing whole is crazy.

They don't message you unless you have, like, subbed at one point. Oh, wow. You can check my subs. We got two. We got three. I shut the fuck. Uh-huh. I'm not subbed.

You have previously. To suggest this was your first, it's not true. You successfully subscribed to Margot. That must have been a long-ass time ago, but that must have been like 17 or some shit. And she's very busty. Who doesn't like titties, bro? We circled back to that.

Yeah. It would be cool if they did math, though. I'm saying. One of them was Asian. I think that was the supposedly math one. Well, yeah. She disappointed her culture. Apple card

Bring up your Apple card for me Okay Oh yeah So this one I racked that one up When I got the truck unfortunately And also I know you said on your show

To like unadd all your credit cards Off your Apple wallet I couldn't unad that one But all the other ones are Well for many people I'd close The fact that you get in and out And in and out of debt constantly

That's what she said Yeah Kind of That's just that's what's concerning to me. This is like basically maxed out. Minimum is... Well, the reason it's maxed out is because they lowered...

48, 14, I think. They lowered my availability after it sat with a balance for a while. It was... The availability at one point was higher. 71 is your minimum fee payment. Yep. Apple card used, Apple card used. This was just last month.

Apple card used Apple card used. Yeah, my subscriptions... HBO Max. We definitely don't be... I can't need that right now. I'm pretty sure. I cloud that's okay. Yeah, I think it's storage.

I don't remember. Okay, here we go. Interest charge 40. I mean, this is probably like a 20%. I'm sure this is also about a couple hundred bucks. Or like a thousand or two thousand this year so far. You can see actually. By end of year.

Oh, okay. I was going to say, you can see the interest on there. Yeah, I mean, so that's a little bit of spending on these cards so far aren't crazy. I'm sure most of the spending's in the checking account. Yeah. But, I mean, every card's max out. I'm not seeing it. Whatever this progress is, I haven't seen yet.

That's the thing is, I want to see it. They weren't maxed out. Like the ones that you're seeing on City, originally they were like 10K and $70,500. I know, but now they're maxed out. Yeah. They brought it down because they don't trust you with money. $1,447.56 on this freedom card.

Hey, you sent a statement again. Six years to pay off, $49 minimum fee payment. Yeah. It just charges last month $34. $0.97. A lot of those Chase ones. Again, maxed out. Yeah, they lowered that one.

A couple dollars off, but maxed out. Listen, the concern is, yes, I believe you can pay this off. I'm picking that up from you. I believe, I don't know by beginning a year. That doesn't make sense to me. But I believe you can pay these off. I don't necessarily believe that you will not get them again. I know.

And I've- Not ran them up again. You've done this before. I've come to the conclusion because I did well on credit cards for the first, because my first one I got at 16. And I did well until I was about 19. And so I think I just, now that I live the adult life and have real bills and stuff, I think I might just have to not be a credit card person

and not have them at all. But I would like to use them responsibly. Maybe. Maybe. And so what I want to do is, I don't want to close them yet. I'm thinking when I pay them off, I might reintroduce one that's secured and just work that for a bit. Because I would really like to retrain that muscle.

Use the Fizz card, Fis card, debit card that builds credit. It works. It works the same. It just doesn't let you spend more than what's in your checking account. Also get you an accounting certification through course careers. Not for you to change your career path or get more money. It's not about that. But when you start your own business, I want you to be able to do true legitimate business accounting.

Well, I got a guy for that. Well, save your money at the beginning. Sure, sure. So, you know, I want to make sure you're going in on the right butt. I know. And see, with that one, originally, I'm not going to lie, I went to Puerto Rico. And that's the reason I got a balance on it. What, for a Puerto Rican baddie this time?

Yeah. Actually. Dude, what are you doing? Okay, so what happened was? Let me see. Let me see what? Her. Well, no, that was a random fucking thing.

I don't have any picks of her. You don't know her on Instagram. I can pull all my people. No, bro. Why do you get blocked? No, no, no, I wasn't blocked. I wasn't blocked. I wasn't blocked.

I wasn't blocked. So I had gone there with the idea of it'd be cool to pull pretty can faddies. And then I went there and I met with the, I got these random tech bro friends I made on the plane and ended up just getting smashed with them. Huh? You ended up what? Oh, I ended up. So I was flying there. I met this guy who worked at Apple and some other tech bros and they were cool as fuck.

And so I ended up just getting smashed with them on the beach. And then I got fucked up and we went to like these weird prisons and shit. And then the next thing you know, my three days were up. You didn't even have sex with the Puerto Rican. No, that's what I'm saying. I didn't even get to link up. What is the point? If you want to land a high paying job but don't have experience or a degree,

then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest fact is that the single biggest factors someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online court. We're the Hartford with decades of experience ensuring millions of unique small businesses when it comes to your small business insurance.

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click below and get started today. Um, good point. Honestly, that was a really badass trip, though. I'm not going to lie. That was pretty tight because I was 18 or no, I was 19 or 20. I don't remember. But I couldn't drink in America, but I could drink there. So it was pretty tight.

Okay. But, yeah, that's how I originally got that balance because I was so burnt out hearing an essay. And I don't know. I just feel like I needed a break. And I shouldn't have done that, I know. But honestly, it really did help a lot. And then I did pay that down,

and then I racked it up on bullshit being behind on bills. Dude, your life is just crazy. Where are you putting money? and I just don't... I know. Listen, you had a breakup. You're a little bitter in the dating world now,

but I don't believe you're gonna change your lifestyle for a bit. I've been locked in, bro. I've been in that mode. I don't know, man. I don't know, man. I can lock in as well,

but when I was in my goon, early 20s, my goon, I mean, it's just, you'll goon. You're a gooner. I'm a real gooner? You're a gooner. You're always going to want to fucking. You're going to spend money on dates the fuck.

Well, so here's the new play. Traveling. Here's a new play. Instead of spending money on women, right? I build them a robot instead. Think about it. What, does it give hand jobs? I mean, I could.

I'm just kidding. You know, it's like a whole industry right now? Yeah. The hand job machines? Well, because men are pussies and losers and women are insane. So, yeah, there's among the young generation, the men and women are in your age range. Yeah.

Dude, I agree. Women are hyper extremists on TikTok. And men are f***ers that just inscribe stuff on bullets. So I'm trying to, that's what I was thinking. I was like, I should pull me a milf next. And that's like when I, when I was looking on like Tinder and shit a little bit. I wasn't going to do it though. I was like, I should pull me a milf.

Hold you a milf. Okay, a couple hundred bucks in interest this year so far. So 500 by end of year. We're talking almost like, I think we're at this point, we're a three, four, five. I think like almost 5,500 by year's end in interest. So almost a total month of everything combined. Well, actually of your main income gone so far. The interest sucks ass.

And that's what kind of sucks. with the snowball method. But I got to be honest, the snowball is feeling good. Why don't you avalanche? Well, because the snowball, I've tried to avalanche before. And that's what I try. You don't get those wins. So you don't get those wins. Yeah. And that's what happened.

That's why I would prefer snowball for you. I paid off like 5K of the total that I had the highest. And I was trying to do the avalanche. And then now I'm switching to snowball and I'm finding it a lot better. Okay, saver, one of your small ones yet no progress. $934 and $0.18. This one got maxed out. I got maxed out because my ex's birthday.

Tell me. So it's actually so f***ed up. That's how I got this a luboo. So I had, for her birthday, she told me she won a lububu's, right? And so I bought them and she saw the email of them coming in. So she's like, oh, no, I'm getting for my birthday. I was like, lame. And so I was like, okay, let me get you another gift.

And so those came in and I just gave her the box, right? And then she almost broke up with me because I didn't wrap it. Why? It was like two weeks before her birthday. The crazy cut. Yeah. Yeah, she's insane, dude. We everything, there's not one thing that sounds normal.

Other than she was like a seven. I was, I don't know, man. I was, I was down bad, I guess. But she's a really cool person. It's just, I don't know, I wish you were the best. I hope things are well. We'll see. But yeah, and then I ended up getting her a different gift.

But those, yeah, I got off stock exchange. I did pay it now. It's just. Yeah, I'm, but that was from the gift. Yeah, I know. It's crazy. Again, there will always be something to get you up there, and that's what concerns me about you more than anything. Luckily, I don't do Christmas. I'm not religious, so I don't have that holiday.

Did you delete your text messages with her? With who? Her? My most recent ex? No. You want to say them? In the Post show, yes. Yeah.

Better, f***ing. You're going to see some bats shit. Exactly. That's why Hammer-O-Lee is incredible. I'm not going to lie. I got crashed out a couple times. I'm sure you did. I would have as well.

Crashing out's normal for humans as long as... You can see the text where she's. said, I feel like it's feeding your ego to talk to me. You can see that text. 140 an interest is here so far, so it'll be a couple hundred bucks. We're getting close to about 6,000 an interest by year's end. Amazon secretany card. What's going on with this? Okay, so Amazon, bro, when I moved to San Antonio, best part, best part about me in the city is same day shipping. That shit is awesome. Not from West Texas? No, I came from East Texas. We didn't have same day. Okay. But San Antonio does because it's like a major city.

$29 minimum payment balance $487.44 cents 23 months to pay this off No purchases but I think it is Yeah it's maxed out Started over maxed out actually With a interest charge

A $12.75 cents Yeah I don't remember that one Yeah I bought a lot of Amazon And my ex would buy stuff on my Amazon too It's all on there And I bought a bet on there Eighty-two dollars of interest this year And that's at a 30% rate

Yeah it's not Not good. Getting close and closer to that. 60,000 in interest. Or 6,000 in interest. Again, I'm not seeing Parker's here. Okay, so this card started a zero, but you put 251 on it.

With the Freedom Flex? Yeah. I don't remember that. Great. Well, that's absolutely great. Because that one I normally keep at zero. Well, it's at 251.51 with a minimum fee payment at 40.

Damn. Sip it. Oh, that's booze. Oh, yeah. Oh, good news on the vape. So I quit vaping. That's good. The ultimate big brain strap. So what I did is I went from vaping to cigarettes.

Big brain. Okay, yeah, let me cook. Let me cook. Let me cook. Let me cook. Let me cook. Okay. So here's the strat.

Here's the strap. Let me put you on game. I'm faking that shit day and night. I'm working in an office. So I'm chiefeing day and night. Cigarettes, I got a smoke outside. And so what I did was I had to separate out with my cigarettes. I switched to cigarettes.

And then I, uh, Murphys or whatever, they were doing a promo. give me free zins with every pack of cigarettes. And so now I switched to zins. And so I've been two weeks almost, no vape or smoke. What I said locking in with zins earlier? I was making a joke. I didn't know you actually took zins.

No, stop it. I don't care. Okay. But yeah, I'm off the vapes. No more vapes. Wing stop. Went in and got some bullshit. What you get?

From gas station, seven bucks. Oh, wait. You said wing stop. Circle K. You went in. Oh, circle K? Probably a Red Bull. Why?

Okay, don't do that. Listen, here. Try one of these. Oh, I was telling them in the thing. I got Gamer slips. I fuck with GamerSoup. Yeah. It's so good here. There's a free sample.

You guys can get free samples now. Again, with the powder, you put it in this. It's really good. No, I know. 10% off with my link or get the free samples. Type in code Caleb. 25 cents a serving. It's like making your Red Bull at home,

like making your coffee at home. 25 cents a serving. Get the degenerate V-tuber ones. They're the best ones. They are. They are. I like the blowhole one. That's my favorite one.

Yeah, that's good. It's that German chick. Yeah, I don't know who it is, but it's tropical and I like it. Yeah, I saw her at Weebcon. Well, you got more Red Bulls. Don't. There's gas.

Yeah, I got to stop with the Red Bull. Sports Bar, Sports Bar, Red Bull. Raising Cains and Red Bull. Yeah. Now, you usually pay this off every month, so I'm going to cross it out because no interest accrued this year. Yeah.

Yeah, that's my Good Boy credit card. Honestly, I think what happens when I use that, most time I use it accidentally because I would do Apple Pay. Whoa, whoa. And then it was on my Apple, like, thing before I took them off. Whoa, what the fuck? Okay, I see it to your debt, but your checking account so weird.

What's wrong about my checking? Well, we ended with $2,6.96, which is great. Oh, okay. You started with negative $394. I remember talking to Colton about this. So what happened was, is I guess I forgot whenever everything was hitting at the beginning in the month, because the all statement is like in the middle of the month, and instead of the first, and I guess I just lost track, and I spent the...

too much because I was right around the breakup and I sent her money so she could go drive home and then I was dead broke. That's crazy, dude. I know. This is fucking crazy. She didn't have any money. She had to get home. And so I sent her some money and...

To negative? No, not to negative. The negative came because all my minimums hit right then and I wasn't getting paid until Friday. You can see on there. They're like all right there and then boom, I get paid. Well, if I look at this, I want to look at your Amazon. Oh, okay. Yeah, you'll see some shit that she bought as well.

she's not on anymore just to be clear but um and then you'll see my most recent is my bed here go and you can get to my credit card from if you go to the account and show starting the screen recording we'll blackout private oh yeah my fault the tunnel a novel

mattress you got your new mattress yeah and the tunnel is just multivitamin US Army forces oh that's another book okay I have a lot of books for an ear adjustable weighted ankle oh yeah those are from my

Air Air Okay, okay, the AirPods. Pencil set. That was for drawing. It was achieved. Dip pen. It's just like a calligraphy thing. Okay.

But it's just for art. But the AirPods, I did justify. I worked at like almost a hundred hour a week. And so what I justified it is, is I've come in a half hour early and leave a half hour late for three days. It more than pays for the AirPods. So. But you could put it towards your debt, dude. I know.

It's just because I need that reward to get through that week. and then I really wanted AirPods to be able to wear at the zoo. Neodium cup magnet. Oh, that was for a robotics project. It was magnets. Lots of birthday stuff. Canceled, canceled, canceled, canceled, canceled. Yeah, I ended up canceling.

Colton said there are sex toys on here, but I don't see it. Sex toys. Oh, that's deep. You got to find that deep. That's deep in there in my orders. I don't know. Colton knows this amount. No, he was asking what's on there.

I didn't know which ones you'd be able to see, but yeah, I had bought some stuff in yourself? Oh, yeah, big sense. I just love plugging. And again, going negative in the checking account to give our X money. What did we do? Yeah, I know. Well, you got Red Bull.

We got liquor. You get a lot of liquor. Okay, so that was, okay. I went, I'm not drinking. I'm not drinking anymore. I went a month clean and I had two beers the other day. That's it. But, uh, the reason, yeah, that was, you're seeing my depression week and I was not well,

and I did drink a lot. And I think I, if you look at the liquor store, though, I also buy my cigar. there. So I was smoke a cigars then too. Why? Dude, you just want to, you do everything bad to yourself. I know. Red Bull. My doctor hates me. Audubile. Apple. Apple. Cash app.

Slackers St. Mary. Slackers St. Mary's. Apple Cash. Slacker St. Mary's. Joey's. La Peronas. A Red Bull. Panday Express. Red Bull. Chipotle. Again, we could be paying down all our debt. By the way, you said, oh, I'm Mickey's Snowball. There was no more than a minimum of the payment on any of these. So f***ed off.

I mean, that's what I was expecting, but I needed to go through to see. Actually, no, that isn't what I was expecting. I was expecting maybe you did make a progress on a small card. You didn't. Red Bull, Chipotle, Red Bull, Red Bull, Red Bull, Hazel Sky. Red Bull, Red Bull, McDonald's, Chick-fil-A, Thirsties, Thirsties, Taco Bell, Schlotsky's, Flex, Finance. Oh, so that's when I was doing my rent and two payments.

So, like, it would be around the first and around the 21st. You make money, good money. Well, because what had happened that made me do that is I had gotten hospitalized or like a month before this. And then I was behind. I had a seizure. That's not good. Yeah. So I have like a sleeping thing because I was just stressed and working so much, especially in my last job.

I was working like 80 to 100 hours and flying. So I was only able to sleep like three or four hours at a time, like on an average day. And it ended up causing a seizure. so I was hospitalized and I was out for like two weeks. Yeah, and my work was really cool about it. You know, they... That's good. But, yeah, I ended up being behind on rent and...

Perfect tender taut. Walkway. El Camino. PayPal, Apple card. Well, that's the payment to the Apple card. Cash app. Red Bull. Tacos.

Red Bull. Crunch your roll. Apple Bill. McDonald's, McDonald's. Waterburger. All could be going to debt. And we're not putting money. more than minimum payments on debt.

We're simply not. Paying Cha, Starbucks, Cash app, Raising cane, Spex, Chick-fil-A, jewelry. Spex is a liquor store.

Wait, jewelry? Yep. SP Hard jewelry. S-P. Hard jewelry. Oh, yeah, yeah. I didn't wear it. Yeah, I bought a ring. Great.

Instead of paying off our debt. Liquor, Chick-fil-A. I was down bad. Smoke and Eve. Alexa. I was down bad. Monster, Wal. Waterburger? Yeah, for the whole month.

I know. I was rough. I was a rough, bro. I'm not proud of it. I was going through, man. All my homies now, I was just down bad. Sure, sure. That was a really rough way. And plus, we were still kind of talking for like a little bit afterwards until she decided to go to me. Because I really want her to get right because she was on some shit. I know, but I don't know. And especially an X, like, that might not be. I know it's just when you care for someone. I get it. I know you wanted to try.

Red Bull, Apple, Appal Cash, tacos, flex finance again, that's the fee for it. Amazon, Spectrum, well, that's fine. I don't have the flex anymore, just to be clear. And sauceplus.com. Total overdraft fees this year so far $170.

That's insane. I honestly thought you were kind of like pretty okay. Finance guy, pretty okay, really in the niche. You're not. You're overdrafts seem like insane. You're not making any more than minimum fee payments on anything when I thought you might. you're spending a lot of money on bullshit endlessly,

and it's really bad habits, too. I know, and they were... Even if it was last month, you're in crash out months. I mean, you're still not making your progress. You're just getting liquor and doing zins and getting cigarettes. This is really bad habits.

I know, I know. And that's the main thing is I'm focused on my health and when I'm focused on my health. Well, that's what I've been doing. And so, like, with the prep meals and stuff, I'm about a month into that diet, and it's been helping my bank account, too.

Plus I've lost 10 pounds. Well, that's good. Total income, 8,200. Well, hopefully that's good. Did you lose it in a good way? I mean, I think so. I'm pretty out of shape still, but I'm working on it. $386.36 to the Jeep.

Trucks, $630.34. The AT&T card, $157 and $98. These are your minimum payments, by the way. $91.11 for the city. Double cash. PayPal credit, $77. $71 to the Apple card. Freedom card.

$49.33 for the saver card and the Amazon card for all the dildos, $29. Your minimum payment's right now, just debt, $1,524.79. Now, what I am going to do is you're going to put $500 immediately into the Jeep. You're going to sell it. That doesn't get rid of the minimum of payment, but it is going to bring it down to about $5,000. Wait, what? $6,000. To the Jeep, right?

You said you put it in $500. You sell it for $8. You put A towards the debt that brings it to about six. But I can't sell it until I pay it down to this whole amount. I can't get a loan for the difference. Because I went to a credit union and they were like, nah. Not until I pay up credit cards. Okay.

We might be able to look at some resources afterwards. Yeah, I'll try another some more, but I was looking at my local credit unions. But even still, you'll set that money aside and I'll consider bringing it down to the debt. Yep. So I'll bring the Jeep debt down to six. Okay, what's your rent? 1645 and then plus internet, water, stupid fees. It's like 19.

Okay, I'll call it $1,900 total. That's expensive, by the way. Phone bill, especially for San Antonio. Yeah, 165. Gas, Vroom, Drive Drive. 160 a month. T-Mobile, I know it was good in this area. It switched to helium. How much for gas again?

I'm, like, locked in. They did something stupid. Yeah, once you're out of that. How much for gas? 160. And car insurance. 3.30. Okay, groceries, you can do 300, follow the meal plan. I have been.

Prep. You can. It's so easy, especially with HB, and we know that. TP Fund, anything else you need to survive 100.

Medical health care. Any co-pays? I have a lot coming up, but I'm just not going to do it for now, so nothing. Okay. Jim? I got it for free.

Good. Oh, wait. My dojo for a Jiu-Jitsu. Give you $50 in subscriptions. My J-Jitsu is 180. Okay. Yeah. 50 for subscriptions.

Anything else that needs to be in your budget that I've not put in effect? Let's say you're, I know there's some room here. Let's say wiggle room for hobby. How much do you need? So for books, I probably spend like at least 50 bucks. Actually, what I'm going to do is give you fun, 500.

What? 500 bucks? Do you have any pets? I have three. I have two kitty cats and a dog. Ages and health. The dog's four. The smallest kitty, she's less than one.

She's going to be one in her a bit. And then my other one's two. All healthy? Yep. Good. Get pet insurance. Good pet insurance. Not the shitty stuff.

You had talked about lemonade. Who should I go with? I was looking around. Spot. Spot? Okay. Yeah. But look, make sure you get the right plan

because that's what's hard. Yeah. So 150. How much for pet food? Uh, 40, 50. So like 90 bucks a month. Okay. Good.

I get the good shit. Good. I think you can afford it. Oh, well, this rents is actually pretty high. Okay. Okay. Yeah, I mean, you still got wigaroon, but not much. I'm cutting your fund down to $250.

That's my Zen budget. I guess so. $5,199. $775. Damn. You're going to bring an $8,200. I mean, I was going off of the gap from the $660, but you need to pull in the money.

That is like the extra bonus. Okay, I'll pull in that and then... 3,000 hours a month. That's the leftover. Yep. Now, we have $63,528. $18. I'm going to minus

$7,500 for the Jeep. 500 or that goes to fixing it. Okay, very good. Now, 56,000, $28,000, divided by this $3,000, you'll be debt-free in a year and a quarter. Yeah, my goal is debt-free by 23. That's my...

Okay, well, you said by January. That doesn't make sense. No, no, the truck included. So I turned 22 in a couple of months. Well, if you actually follow this budget, $250 for fun, nothing more beyond that, which you blow everything on women and craziness. One and a half years,

and then don't start your business until then. You think, because I read this, I read this book about it, and he was talking about starting a small business, like solo. You can't if it's low and it doesn't take money away from the other things. Because you're going to quit your zoo, and that brings in money. We can't do that. Right, right, right. And so my plan was, because the business, whenever I initially started,

it takes very little upfront investment from me. Because I'm doing, like, control work, like control panels. And so the customer will buy the parts. And so I'm just doing labor. Okay, as long as it's not taking away from the progress. It pays nutty is why I want to do it. Because, like, in three days, I can make, like, 8 to 10K just from building panels. So that's what I would do.

And I would get a fully funded emergency phone if you really want this business to be your big thing eventually. Yeah. And I had some more questions, too, is I was listening to Dave Ramsey. I had stopped investing in my Roth IRA in 401K. But I was thinking about it. The payoff is so huge on my Roth, and I have the margin. Should I keep contributing to my Roth, at least? Some of these interest rates are just so substantially high.

for your IRA, I would certainly take your retirement match at work. But with interest rates on these cards being like 30%, it doesn't make sense for the market. Even the best years is that, but they have to take it down years too. I know, but this will compound too. Yeah, true.

So I'd focus on this. Yeah, yeah. So take your matches. Take your matches. And then we'll heavily invest. You'll have a great retirement. You just can't bounce back into the situation again. I know.

All right, I'm going to look through his text. Let's get the Hever Financial Square. I'm going to look through those girlfriend texts, and then I'm going to look through those girlfriend texts, and then I'm going to try to call her. So joining that post show, but Hammer Financial Score, spending her budget,

you spend exactly what you made, so you didn't over your spend. I'll give you a two out of ten for that because more of this money should go towards debt. Yeah. Debt, no collections, pretty bad debt, two cars,

but that's about a two out of ten. Emergency funds, I didn't see a savings ago. I have one. It was a thousand. Okay, one out of ten. Retirement.

I have like $2,500 in my 401K. 21. I can give that about a five out of ten. What? Maybe, well, at 21, because that's age dependent. I was expecting a zero for that. I thought you needed like 10. Well, at 21, well, you get on track, and I'm going to give it a three because I want you to be on track to hit your total income.

Yeah. Whole year's worth of income by 30, you need to be saved up. Okay. So I'll give you a three out of ten because you're just getting started. Okay, I'll give you two out of ten. Real estate, zero out of ten. Yeah. The more I think about how long it's going to take to get there.

No, I'll get the retirement of three. Sorry. Okay. Hammer Financial Score rounded up to what you said from the score you took. two out of ten. Get yours at Caleb Pamper.com and click that joy in button right now. Join us for extra 20 minutes and three premium shows posted every single day, Monday through Friday, and Hammer Elite.

I'll see you there. Okay, I'm looking through his text messages. Let's find something to juice. She got evicted and ended up moving in with me after like two months of us being together. I'm nervous. I don't know if I can handle that, bro. Come on. What is that?

Strengthen your resolve and prove yourself. Be so for real. That's why I don't text. She said, are you okay with losing me? Well, that answers that. That's okay, I understand. That was after she told me she don't want to talk anymore. Camera Elite is the best YouTube membership on the platform, and I just upgraded it.

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