Financial Audit - The Most UNHINGED Financial Audit

Episode Date: February 12, 2025

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It's a conscious clearing thing. The a million warnings we gave you before coming on here. Yeah. What the fuck are you doing? Well, hundreds of thousands of people are noticing you now. I want to be noticed by YouTube. That's not like this weird. I'm not trying to. It's not weird. I'm just... Now it's weird.

Download my new simpler budget app to date and take control of your money once and for all. Hey, this is Justin. This is financial audit. I'm 30 years old and I'm an airline mechanic. And this is financial audit. Welcome.

Okay, a little out of order there, but that's okay. Just don't mechanic my airline will be fine. Sure, that's the most of my life. Well, usually people don't say, what did you say? You're from Tulsa, Oklahoma. You messed out something, but that's fine. Okay. So airline mechanic.

Yeah. How much you make it? I mean, did you say 30? Yeah, I'm 30. Well, one year apart, my dude. No, no, no, I'm 30 in like half a month. You're graying. Yeah, I mean, shoot, this would be you in about one more year, bud.

When did you start graying? I think I was like 22, 21. Okay, well, that sounds like a you problem, then. Okay, so what do you make in this airline mechanic living? I make 80,000 a year. And in Tulsa, not too bad. It's not necessarily known for being an aggressively high cost of living area. Yeah, we are the top 10 lowest.

cost of living. Wow. So $80,000. Yeah. Does not explain this in a stack of insanity. Honestly, you haven't had a big stack like this in a while. I've had quite a few small stacks for a bit. And this is insane. The things that are in here that we discovered and just chaos beyond chaos beyond chaos. It's going to be, it's going to be an interesting one. How the fuck. Well, well, I can explain all that, man. Well, before that, just how are you doing? How you live in 80,000 hours? How does it feel? Tulsa. Not very good. I'm back in my mom's house.

I have to like. You move back in $80,000? Yeah. If you're really want to like buy a house nowadays, you got to like think about like lowering your costs. So is that what it is? It's literally just trying to be savings opportunity. That and I. Oh, wow.

And. And losing my job over a thing because I made an unsafe condition. The $80,000 job? Yeah. I ask what you do for a living. You said this. Not this. job. I was the last job at

in Oklahoma City. And they weren't only paying $31 an hour. So I feel like I did good by fucking and falling back into this job. Okay. Well, I'm glad you make more. I mean, I would have rather you had just changed jobs. But okay. So you're saying it's a good thing.

When did you get fired? I got fired in September or around September. Okay. Why? of unsafe condition I Yeah I'm trying to Trying to push a plane out

Without doing the proper channels to Yeah you should be fighting Honestly shouldn't be hired again Yeah but But good thing is Is I skipped ahead through my stuff To before they could Somebody could do a reference on me

To get this next job Buddy I'm gonna call it a couple things real quick Yeah. Just a couple of things. One, breathe through your mouth because your nose whistles. Two, as the a million warnings we gave you before coming on here, you know your current employer is probably going to see this. Yeah.

Yeah. Which, by the way, we also ask, hey, what can we not talk about? Whatever they decide not to talk about, we don't ask a second question. We just don't talk about it. What the fuck are you doing? More along the lines is I was doing an inspection, did everything, was supposed to pull circuit breakers. I did it without pulling the circuit breakers,

which I still was able to do the inspection. But because I was in probation, they were like, hey, you can't do that in the future. You're admitting this online right now. Yeah, I am. It's a conscious clearing thing. Sure, sure, sure, sure. Clear those nasal pathways.

Yeah. All right, man. Well, very bold and brave of you. Again, people knew the onboarding process, the amount of opportunities you had to not doing that. Okay, cool. So why are you struggling? You said, oh, there's a reason for this and that and this and that.

So you moved in back with your mom in September? About September, October. I got a job at an airline for general aviation. And then I fell into this next job. What does fall into? Whereas I didn't really like the job because it didn't fit me in bed good enough. And it wasn't paying me. fast enough for what I wanted.

Fast enough. Because I knew in my industry that I could get paid more by going. They weren't paying you enough. Yeah. Fast enough. Okay. Yeah. But for me to because my grandpa died and that's why I was like, I need to get by his house and stuff. Need to buy his.

Okay. Whoa. There's so much that I'm back here. Buddy. You were just, well, you were laying it down. You were just like, pop, pop, pop, pop, pop, pop, pop, massive things. When did you move in with the mom? September. September. September. September, you moved in with the mom as a 40-year-old, 30-year-old moving back in with your mom. Yeah, with my soon-to-be ex-wife.

Soon-to-be? In September. What's going on there? So before I even took all my tests for all these stupid, my career's not stupid, but. Well, I feel like I would actually like you to pass the test when people's lives are in your hand. Yeah.

I can pass the test. Yeah. Is that she decided that she wanted to feel independent and be independent. and be like, I, we rushed into it and be like, oh, don't want to be with you anymore. Maybe she wants to fly without crashing. Yeah, most people do. Okay. I mean, you only get to do that once in your life.

I don't want to be the person that makes you feel that way. Yeah, no one fly out of Tulsa. Oh, my fleet's all across the nation is what I work on. Oh, comforting. I'm a maintenance. Comforting. You know what's really interesting because this conversation is crazy. Even my producers are giggling right now.

It's like, I keep seeing people ask like, is this show fake? No, this is reality. We are in this. No, it's okay. You guys can laugh. It's okay. They just, they equally cannot comprehend what is happening right now. But I'm spewing.

I know you're spewing. Yeah. I feel it and hear it. It's happening right now. Okay. So how long are you guys together? We were three years in February. And she decided in February of last year, so about to be four.

Okay. So you guys were basically four years together. Yeah. When did you get engaged? We got engaged July before that year. So in like 2021, we lived through COVID together and all that stuff. This is rough time to be dating and like getting together with someone. So moving in with mom, she wanted to be into, well, honestly, okay, I mean, hear me out.

This isn't coming from a place of judgment. I'm just trying to put myself in her shoes. If, well, what's her career? What does she do for a living? She's a part-time clerk at a... Okay, so she's not the breadwinner of the household. No. If I'm not the breadwinner of the household,

then I'm marrying someone who is, and I feel like that person keeps getting fired because people are going to crash and burn and die. And he's a 40-year-old, 30-year-old, moving into his mom's place and taking me with him. I might seek some independence as well. Yeah, especially since I, before that, I had gone through four different jobs. I thought you're going to say divorces.

Four different dodges in how long? Say again. Four different jobs and how long? Go ahead, take a swig. Within one year. How, fuck it. Okay, so the $80,000 that wrote down is exciting. How confident are we going to keep that?

Pretty confident. Why are you feeling that confident? Because I've learned my lessons since the OKC job. What? You learned your lesson to do your job? Yeah, and not to skip steps. If I have a new job once a quarter or two,

my hair line would be the same. Even if it's more along the rules of like how the culture is within that type of place where they want to push the plane out as fast as possible. Of course they do, but that doesn't mean they obviously have the standard, which is why you were fired. Yeah, that's why I didn't make it past probation.

But what makes you think you're going to stick to this now? Holding myself accountable and knowing that I have gambled everything to get to this. What have you gambled? Because, yeah, this is, man. This is thick. A lot of that is living expenses, like having for my apartment to stay. Well, I, well, my apartment when I was in L.C. Has she moved out?

No. So you guys are living together with your mom as ex-fiance's. And nephew. Okay. In a very like 1,200 square foot home with bugs and all the other stuff. Yeah. Boy, this is what are like, there's a cricket that you have to smash a month or are you saying? No, they have, they have Cox in their name and some someone have beds in their name and and.

Why are you still there? You make 80,000 out. Why is she still there? Because she doesn't want to work extra hours. Yeah, she would rather sleep. with bed bugs and cockroaches, then work extra hours. She wants independence, but she's not able to work for her. I think she needs to come on the show.

Maybe we'll call her in the post show. That's when we... I've tried to do the whole schick of, like, how you do your show to her. And she's like, don't tell me I like that. Don't do... Come on. Yeah, I get it. I mean...

I don't, like... I'm just trying to think, like, how would I take that conversation coming from you? I'm sorry. Well, I'm just trying to follow. I was just trying to follow the formula. Also, you have to remember, you can't just have that conversation with people. I don't walk up to people on the street and have that conversation. Yeah, I am.

We have people that are volunteering weeks in advance, like trying to have that conversation. If you're just going up there, you're a fucking bitch. Like, I don't think she's going to be very receptive. Here, eat this cockroach woman. Well, she, I mean, I've even tried to get her to push her to go take her test for cybersecurity, which I even I had to. Why is she taking a cybersecurity test? She works at a gas station. What do you mean?

Because she wants to do cybersecurity. and move out and be like her friends. Does she have a degree or certification in cybersecurity? Yeah. I even had to push her to go do that. Like I had to poke and prod her. Maybe you should have left her. She sounds like a fucking low life.

Like a never achiever. And who can be around that? I would, you're kind of like, you don't have the, before I was on what I am now. On? Yeah, I take a medicine for anti-anxiety. I got. Okay. I do too.

It's called Calexa. Yeah, I'm Venniflexia. It's going to flexing. So. Oh, is that a medicine? Yeah. Okay. And it was like,

desperate for to be noticed and, like, feeling like. So you're just saying because you got one, because you got a lady, got the wife that, like, okay, I'm just going to deal with all the bullshit. Yeah. How'd you get in all this debt other than obviously being fired once a quarter? Spiring in the Navy of getting a credit card thinking. Navy? Yeah.

I was. When were you in the fucking Navy? I joined out at high school. How many layers are in this thing? A lot of layers. Yeah. Enough to make someone cry. So,

when were you in the Navy was the question? I was started out in 18. I did that. 18, 2018, 2018. No, or 18 years old. I was 18 years old. I asked, when were you in the Navy? 2013 to 2017.

Yes, yes. We are about the same age. That actually makes sense. That's true. I can do that math. Okay. To when I'm sorry? To 2017.

I did four years. And the spiral started in the Navy, but you ended in 17. That's so long ago now. I'll be honest. It's kind of spiraled into like when I was 16 and I got my first car and I did modification. Okay. So now we're going back to 16.

Yeah. Well, I mean, I'm being honest. Like, if I'm being honest here, it's just, I would like that. Is that when I was 16. my mom took my dad's truck away and gave it to me and I was able to start modifying it and get into it and make it look cool and try to be noticed and stuff by girls and stuff.

What is with this be noticed thing? I like going on dates too. Days are super fun. I make always jokes about it, but it's super fun to go on dates. But what's up with this like incessant need to be noticed and willing to bet your entire financial future on it? That's actually, that's something we've not had on the show ever as far as I know. It's because I feel like I need to compete between my brother and my sister.

Oh, competition. To be noticed by my mom and my, well, my dad left me. Or he didn't left me. He came in and out of my life. He's just getting some cigarettes at the store. That's okay. It was more beer than anything and then the beating. But, yeah.

Hold on. I should have giggled that. This conversation is just wild. This conversation, that's not funny. That's not funny. I'm very sorry you went through that. I'm giggling more of the absurdity of this conversation. It was against my mother, me watching it.

Okay, buddy, I don't, the way you say this is just, I'm not laughing at the situation. I'm laughing at just the way you lay these things that you're just so just, I, okay. Well, hundreds of thousands of people are noticing you now. I hope makes you feel better. So,

so yeah, we don't want to be noticed by him. He's a piece of shit. If he ever comes back, fucking call me over. We'll beat him up together. He's a cuck up to fucking. Well,

I mean, the whole thing I want to do is just, I want to be noticed by you too. Don't like this weird. I'm not trying to. No, no, it's not weird.

I don't call you hammer daddy, but now it's weird. I don't have a filter. I just keep going. I don't have a filter either, but I don't go around calling people, daddy. It feels like nowadays you need a phone for everything.

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download the app, and use the code Caleb to get access to those new plans. That's hello helium.com and use the code Caleb. Thanks to Helium Mobile for sponsoring today's episode. Let's get back into it. All right, son, so let's talk about how you are... Did your mom... Not...

I'm not going to let them sit on my lap, guys. It's not happening. You're giving me stuff at the end, anyway. We're a 17 minutes in and this is... Okay. I appreciate your existence. Well, you're the first one to say that. No, stop.

I mean, my dad didn't. I know that, but that's good. Good. That's good. You're very forward. You're very unfiltered. I like that. It's rare.

It's rare. A lot of people kind of reserve themselves on the show. Well, everybody thinks I'm a little on the spectrum, but a little. So thanks to this insurance, I might be going tested after this, that I finally got in this year. You finally what? I finally got insurance after six years of not having it.

It's probably one of the reasons why I was like. All right, whatever spectrum are on, let's try to stay on it. Instead of jump into another one. This is like, we need to like stay on this path. Stay on this path. Breathe through your mouth. Do I talk to you now about bond ladders or do I talk later about? bond ladders. I've always want to know what your opinion was on that or do a

you've been 111,000 hours in bad debt. Yeah. Fuck bond ladders. I'll get out of it soon. I know I can't. I mean, I'm making 80,000. You are making 80,000, but you know, I want to be clear. This is not an income situation.

I'm struggling to find a way to like get into this conversation because you're interesting. But like I keep trying to understand you. little bit more, but it just keeps unpacking, unpacking. Did your mom not pay attention to you very much? She had to deal with my brother going to Juvie and then going to in and out of prison and having to deal with his prison right now? No, he actually owns a dispensary up in Oklahoma. He's doing pretty well. He just got married.

Hey, him, but he's all met to him too. almost you hate him because he took the attention away yeah and some other things we've gotten in fights and stuff go to therapy I did I have gone to therapy buddy I'm sorry you desperately need to go to therapy

to unpack this I've done a lot of self-help stuff too and reading and trying to help and everything you're talking to a professional Sondermine it's our partner for guests and for the audience and for myself you get three free therapy sessions. Thanks to them. Thank you Sondermine. Please see them. And I can get you, I can get you, we'll get you a cybersecurity tech certification through course scores. I think they have that for

your ex so that she can get out of the fucking house and be an adult. She's all got the certificate and she has one of the licenses, but she still won't will enough to work to, to even go. So a lot of this stems from the need to get a test. Is that what we have learned? In the 20 minutes of this conversation, is that we'll package all this down, is that what we are learned? Make Mother's Day even more special at Whole Foods Market.

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deviled eggs and fresh cut fruits to go. Celebrate Mom with Whole Foods Market. We started with the car, pumping money into a car. What kind of car at 2013? 2010. So that was a Chevy Avalanche. So we're pumping money into a Chevy Avalanche so that girls see us, so that mom sees us. And you said your sister took attention away from you too.

So what was up here to his sister? I feel her as more of the golden child. And so she's a nurse of anesthesiologist. Cool, but back then, do you feel like you were ignored? Well, because my mom basically had to be a one, a single parent, but taking dad. Yeah, that's very difficult. Yeah, and having to work night shifts to afford all three of us with the whole bail and everything of my brother.

So you got noticed by this girl. How did you meet this girl that you're, I guess, breaking up with heaven because she lives with your mom? Yeah, that's, I met her through work as in I used to work with her at the, local gas chain quick trip in Tulsa. Yes, the local gas chain. Yeah, well, that's where it started with Tulsa. Okay.

I actually was suggested to her by my mother and everything. That's like to go talk to her and stuff. She wasn't even on my radar until my mom said anything. Okay, we might call her on the post show. This is weird. We've got to get into these finances, man. This is so,

such an interesting episode. Breathe out of your damn mouth. Your nose makes instrumental sounds. Okay? Okay. Give me where you think your finances are. Zero to ten. Zero being the absolute worst,

ten being the absolute best. Where do you think you are? Zero. Okay. That's reasonable. If you watch your Hammer Financial Score, see where you are assessed. We'll link in the description below,

which is Calebhammer.com. And you can come on the show as well. If you're as forward as this guy, definitely feel free. We'd love to have you down here in Austin, Texas, go through the onboarding process, all the good stuff. It's a good time. Go to Calebhammer.com slash apply, which, by the way, we'll get you hooked up with things.

So I am glad you're here. I know it's been meaming on you a little and I appreciate it. But thanks for being here. Thanks for taking the trip from Tulsa. We do appreciate it. And hopefully we'll get you on the right path, yeah? Because that is the main goal here, yes? Who, yeah.

It's a saying in the military. It's just like to go with it. Like, hey. That was a Marines thing. No, that's Uberrah. Huyah is Navy. Or is like how I learned it. I might be just picked it up somewhere else.

Out of your mouth. All of them have a little like, let's go saying. M. What is M? This is a document called M. M is as mercury. It's a credit card. It was I got it during my time at.

You just texted me. so much that I forgot to even ask you. Like, what hits your account on a monthly basis? My, what goes into my account on monthly basis is, is $5,000 a month. And then on. When did you get this job? Because I do not have that. I have 1,839 that hit through payroll.

I got it in December. We just got a through our union. So $5,000 a month. Yeah. Through our union contract, we make $2,500 every two weeks now. Okay, $5,000 a month. Yeah. Net?

Yes. And now on the month. month, by the way, that you made 1,839. Let's just say that's, I was just say you bring in the 5,000. That's okay. What did you spend in the month breathing through your mouth? It was, well, it's a let. I, I doubled down instead of doing 5% of matching my company.

I put 11. That's why it's eight. That's not calculating in your spending. Yeah. I'm asking how much you spent in the month that we're looking at. I would say about 22 to 2,400. Yeah, you spent 7,7,700. So what the fuck are you talking about?

I don't know. Obviously, have you ever made a budget in your life? No. Why? Because I've always had either something to fall back on like the Navy and go. Your fault back. You know the things that came in. You know, we actually had money coming in.

6,3141. 1,839 of it was your income. Guess what the rest was? Personal loan. Acorns deposit. Earning disbursement. Credit fresh funding. Lending club.

cash app loan drawdown Yeah So what the You're talking about Things to fall back on You brought like A thousand personal loans

In one fucking month Well that All All All While While spending $670

Going out to Ficking 8 Is that my Fiancé Just broke up with me I'm going to go gorge Miss Laney's Bullshit

This could be Video Games It can be whatever Was $929 dollars right uh it's it's more along the lines like i have i just want to go out and and i and eating at the cafeteria at work and stuff it'll be because we're in a food desert and i don't have and i you forget to pack talsa yeah the entirety of tulsas the food desert uh the where my base is uh your base yeah the the air the airline base of we'll bleep we'll

you put out what's the airline base called. Tulsa's like 8 minutes to drive anywhere. Like this is not that big of the city. Two, Aldi is not that far away. Three, Walmart's literally right next to the damn airport. Shut the fuck up. Food desert. You know what the food desert is? It means they have nothing but

dollar stores. Yes, there's a lot of dollars stores. But you have a fucking Walmart right there. Shut the fuck up. You also have an Asian market right there. A Latina Latina supermarket. I guess it's It's a feminine one. But I'm only allowed 30 minutes. What are you fucking talking about?

But I'm only allowed 30 minutes to get into my car. You bring your damn food. What the fucking you're talking about? That's what I was talking about. It's like it's only 30 minutes. Like the whole thing. So bring it. Yeah.

That's why I was trying to use the cafeteria is just like, because it's real quick. Hey, you little tit, you think when people go and eat food every single time I eat food at home, I'm stopping at the grocery store to eat food at home? I think every time someone packs their lunch here, they're going to the grocery. store to get to eat their meal here. No, you go to the grocery store once or twice a week. That's what it is. And you pack your food and bring it to the damn airport.

You're 30. How the fuck if you're not able to... Can you cook? My basic skills is rice and chicken. Okay. Use our cookbook. We have a budget-friendly cookbook. That's one of the things you get.

People get it when they sign up for the app. Our budgeting app, you get the budgeting app as well. Simpler money. You get the joy in or simpler budget. join in simpler money premium. So you get access to all the live sessions every week with financial professionals, the community, the mini classes. But most importantly for you, obviously, one, budgeting, automatic connection to your accounts.

Two, use the fucking cookbook and cook. Yeah. Cook! I will. You don't live in a food desert. That was a bad excuse because it was bullshit that I was able to call out immediately. Yeah. You don't know what a food desert is.

Thank you so much to the tens of that. of people who downloaded my budgeting app, Simpler Budget, it means a lot. So much so that we wanted to extend our offer. There is now an extra week left to get a 30-day trial to Simpler Budget with a 30-day free trial to Simpler Budget Premium and lifetime access to my new budget-friendly cookbook. On top of that, anyone who signs up for an annual membership right now or before February 14th, which is my birthday, and renews of full price will be sent a free Founders Edition

notebook upon renewal. All copies will be decked with our Founders Edition stamp and the Simpler Budget logo and signed by me. Just make sure you provide us your address and your proof of purchase in the email we send you. Thanks again to everyone who's already downloaded Simpler budget and you can download it right now for free at Calebhammer.com slash app. I was just thinking for the area for around my work. I know that. No one goes to the grocery store to make a meal for every meal. Yeah.

In America, at least. I should have worded that differently. How would you word it, giving it another try? Is that I just don't want to cook? It's just like, because it's just easier, like, to be honest, and just go to a cafeteria. That's more important than being able to move out from your mom. with your ex? That's why I'm here.

It's like because I want to figure out if... It's why you're here. There it is. There's a catchphrase. It's a classic. You've seen the show. Come on. Everyone says that.

Yeah. Just like I'm trying to like put it mentally. Uh, acquire it. Okay. Use the cookbook. Yeah. Use the cookbook and start making some of this. Um, so why do we have this credit card?

Uh, this mercury, which is at... Um, is that... I had it for to try to help keep my overall credit limit high. Why? But you abuse your credit limits. You just immediately f*** it all up. Oh, you're over the limit on this card. I used this to get my credit limit up.

You're over the fucking limit. What are you talking about? Well, I was paying it off. And then it just. Oh, gosh what? It doesn't matter because it's over the limit. I don't give a fuck it if it was being paid off. It's not being paid off.

It's not being paid off. There's no paid off. Yeah. Well, it's just because I haven't had a car payment until just two years ago. And that's why, well, you haven't had a car payment until two years ago. Yeah. Fuck you're two years ago. This is not, what, what do you mean? You can change so much in two years. You got fired from a job every damn quarter.

That's different. Yeah, but I kept a job for over five years is like, you know, and you got fired from four. And I'm making six yards. Yeah. If you get fired from four in a row, I think, fuck you is what I'd say. And it leads me to no confidence of maintaining this. income. We'll make a budget around it at the end, but even still, how long does this take to pay off just the minimum of the payments without purchasing it on it, which, by the way you do. Seven years. Okay, 19. Shut the fuck up. Yeah.

He purchased $1,110 on here. $58 of interest over the credit limit. What the fuck is your philosophy here? Oh, I'm a lower credit limit because I purchased the car two years ago. Fuck you. It's because you spent $1,110 in it last month. What are you talking about? It's because you got a car two years ago. Excuse, excuse, excuse. you, be an adult. Yeah. Yeah, go ahead and answer.

It's just, as, as, as, it's okay. Take a second. Take a second. Take a drink.

You're good, man. I know. It's hard to get confronted with the reality for the first time in your life. Yeah. No one's ever done it. Well,

I mean, I understand that because I've, I mean, I was paid attention to, but I was also really coddled because of how my dad treated my mom and stuff. So she coddled you?

Yeah. But I thought she didn't give you attention. I mean, she bailed me out more than three times. Bailed? What? I built up a loan. Oh, fuck. And the Navy.

She paid it off. I built it up when I moved out of her house the first time. And then she paid it off. And then she paid off part of it when I got married. But she has a good heart. That's why I'm against, obviously. That's why I'm against either. But I'm starting to see the effects.

She's not going to be able to retire. Are you fucking kidding me? Yes. I'm sorry. It's okay. There's tissues right there, but that's why I'm against debt consolidations and honestly even, I'm not against that consolidations, but I'm against that consolidations and bankruptcy and stuff, unless you fix your behavior first because people just end up in the same situation.

You didn't learn a lesson. You just had a bailout. How old is she? My mom is 57, I believe, now. 58. Luckily she has a little time on her side. It's just not like crazy. But.

But, I mean, I don't want to really work it into your 80s out of your mouth. Open those lips. Open those lips. Good boy. So, oh. Yeah. You want to say something. I know you do.

I'm ready for my beating. Stop. Oh, no, we don't make those jokes in your episode. I mean, I went to a whole club for it. So. Okay. And I can tell you all about the other side. When's the last time you saw that ass?

A couple weeks ago for Christmas. Why? He comes around the family? No, he doesn't. I go visit him because you want to. Yeah. We've had a rough time, but I also know he has. So piece of shit.

Well, we've gone through that he has some mental disorders now that he's finally gotten recognized for. What? I don't think people have the ice hit my spouse mental disorder. Uh, bipolar disorder and stuff like that. I know people with bipolar. They don't hit either way. He's also, he's a very, very violent alcohol.

Has he, there it is. I think that's a bigger place. Combine them, it obviously gets worse. But he never, he's, she's never around him, right? No, no, they're separated. They've been separated for 20 years. Fuck him. Kim.

Kim. I honestly wish him 12 years. I honestly wish him the worst. Yeah. That's not something. Well, he's in the worst. Good. I mean, very after they separated.

I'm a very redemption person. I'm good with pretty much redemption on anything. Well, unless you, like, touch a kid or unless you, uh, beat like a spouse or pet or,

you know, kids, those are those, you know, those two things, oh, there's no coming back. Six weeks after,

uh, being separated, he had a major wreck that crushed his whole leg. Good. And, uh, he got to pay out for over $100,000 dollars and then squandered it all. Kim.

And, I mean, I, I, I, I, I, And like my enemies, even the people that, like, have, like, tried to, like, harm me in this industry and just different stuff, whatever it is.

Like, even them, I'm not, like, actively wanting something bad to happen. But you do that level that he did, fuck him. I hope the worst happens to him. And then that honestly sucks to have that feeling, but it is what it is. So $82 minimum fee payment on here in 50 cents. What were we saying? We were obviously on an important topic. We were over the limit and we were.

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See you on the roof. We were spending over 1,100. Yeah, why are you doing this? Because you said it was because I got a car two years ago. that's subjectively incorrect. You put half your balance on just this month. Right now,

it's... I, what we're talking about. It says, I like to use the little split-for payments on these credit cards to pay for... Oh, yeah, zip. Pay later. Zip to installments.

Zip at pay later. For pay for fishing and stuff. Is this like my... Fishing? The tug is the drug, man. I can't... The tug is the drug. Yeah.

If you ever been a part of that guy... I bet you're a part of... to the tug community, especially now with her gone. No, I try to have something else do that for me. Something else? Yeah. Well, I don't know how much I can share on that, but... You can share as much as you want, but I'm beyond curious because you didn't

can say someone else. Well, I mean, there's like machines that can do it or... You're not using like a fish, are you? No, I'm not using a fish. But no, I was just like, uh, those auto blowers or or if you ever know the place called dot com

what is that yeah it's a you know is that a hookup site well kind of it's it's where you go for like massage parlors and stuff like that you're admitting to a crime you're admitting to a crime stop I've never actually done it

it's just why would you bring it up but you know it but I've always been interesting in it, but I always know. Oh, we know you. There's no way you haven't. I haven't. There's no way.

You're using machines? I'd rather use a machine sometimes because I mean, you don't have to pay for it. I pay for all the extra. Where are we? And I'm too afraid to be somebody's bottom bitch in prison or something. You spend money at McDonald's and shields, some bullshit for the target probably. More shields, Popeyes. He went into QT.

Couldn't stay away after you left there, or you were trying to see the misses almost. And got some bull's shit from there. Yeah. $58 of interest and just, you know, a month. Last year, $513 breathe from your mouth. 31.49% interest, right, on this card. It's not the best. Well, ladies and gentlemen, we made it through one card at 40 minutes.

How can you not breathe through your mouth normally? because I've gotten in a lot of fights and stuff where a lot of my structure is broken up. Who are you fighting? I got in fights in like middle school, high school, and defending against for being bullied and stuff. Really? Yeah. That's really sad. Because I don't have a filter.

I'll say shit that. Well, you do have to learn that. I don't have a filter, but I also know how to not get myself shot. Yeah, I've learned that too now. Okay. All right, Navy Federal. What's going on here, my dude? Which part?

The credit card. Oh, credit card. It's a closed one that I bought, got in my sec. This isn't closed, man. This is accruing. Oh, the cards closed. Yeah, the cards. But it's not sent to collections.

Yeah, no, it's never been sent to collections. It's been closed voluntarily. Good. What's the credit? How long does this take to pay off, do you think? Miner monthly payment, which is, oh. $8,000 or something? right now.

8,041. It would probably take like 50 years at my guess. 24. $8,0.41.63. Minimum monthly payment, 184, 69. I'm trying my best, man. You just sound like you're just dying. That's my concern is do we need to call a hospital?

I don't know how much the mic is picking up. Never had someone die on set. And if we do, it's probably going to be me. So, like, don't take that for me. pay for all the rest of this stuff. To who? To, well, beneficiary is my current wife. This is huge for financial audit.

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No, she's my wife. Did I miss hear that? Oh, fuck me. Yeah, I said. Why wouldn't you guys get married? It was in February 22nd of 2022. What? No. No, no, no, no.

That's when you guys said you got together. No, I got, we took out together during COVID and stuff like 21. Okay. So you guys are actually together for a couple years. Yeah. Three years. Was it a good marriage? It was the first good two years.

We still had her spouts and stuff. Would she call it a good marriage? I'd say halfway decent. She said she'll recommend me until the next. That's what everyone wants. that's she said she wouldn't recommend me to the next girl so i don't know what the credit limit on here is i guess it goes the credit limits nothing now but um okay yeah that's $8,041 man with 104 dollars of interest accruing on our monthly basis well yeah 1,355,000 of interest accrued last year long

a late payment fee why why this one's closed you're not purchasing i tried to send you one that was a had the late fee i was trying to well i'm glad you didn't because now you're getting called out what you want to get off you're not going to get off easy like that this isn't f's slappy maps or whatever you call the sloppy mop mom is i should i know i have a problem i even had it to where i mean going back to the relationship i was like i did too i asked for a small loan of like 50 bucks to put a down payment on a layaway for a toy gun to a toy gun yeah it's like airsoft is my big hobby this Wait, how old are you?

30. Airsoft. Yeah. It's for 16-year-olds. Well, me and my buddies like to do it. It was very good to exercise. You have a good friend group? Yeah, I did.

Good. Oh, did what is did? One friend went and get his life together, so we cut him out. Yeah. Well, he went to. What does that mean? One person. He's not, he's one.

He's one of the. Shut up. up, shut up. I need to talk through this. One of my friends and my friend group decided to become a better person so we cut them out. Oh, it's not a better person. I swear to you

on that one. He's one of those like pick me boys like, hey. And he posts like depressed stuff like, hey, I'm like all. Like he like Hey on. Hey. I'm having a bad day.

or like I don't want to get hurt again so I don't want to get this so I don't want to ask this girl out I'm like oh my God and you just see this on like Snapchat's TikToks of all his and you're just like hey man and they constantly ask borrow money

from us and we are like we have the problem to and he had a better job than me so what did he do? He was a line technician no what did he do that made you guys kick him out he kept getting boo hooey and asking for money

yeah so every time he got with a relationship so that's him trying to get his life better is him asking for money from you guys yeah well no we would give him the money he would spend it on like airsoft or something really ridiculous and not you recognize it's ridiculous yeah oh yeah shoot everything I've done so far has been ridiculous

I think I was thought I've gonna be honest I always thought my 20s was just be the around moment and then I'll get together my 30s people it is, but obviously you're not. Yeah, I hit 30 before I can fix it. And the rest of your friends, you have a good support system and good friend group. Yeah. Okay, so when you said I did, you meant you only kicked out that one guy.

Yeah, the other ones are really nice. The other one just bought his first house. Good for him. I've never heard of Credit Fresh. Credit Fresh is a line of credit. But instead of like a credit card, you ask for draws to a thing. Because I was trying to keep my accounts from overdrafting. I thought it would be good in trying to get it out.

You didn't even ask my past question. Why was there a late fee on that past card? I forgot about it. I didn't. This is my first time that I've had a late fee in doing this. It's just I just forgot about it. overdraft. Yeah.

You're drawing this loan out so you don't overdraft. Probably to make the payments so you're not late. So you're borrowing debt in order to not be negative in your checking account in order to pay your minimum fee payments in your debt. I recognize I'm a Rob Peter, save Paul kind of pay Paul person. And it's not working. It just keeps digging and digging and digging. And it's like, I mean, I really just wanted it to like,

I just want to like, I just. want to be like just go out and and not worry and then I can just worry about it at home when I'm not doing anything like just keep posting it off because I ask you a question shoot like next week I might die yeah but on the statistical likelihood that you're not why not sacrifice today for the better future if you die you won't know that you have sacrificed you don't you won't know that you missed fun because you're dead so who cares and breathe out of your mouth if you keep breathing on your nose like that, I'll make you die right now. So, okay.

We can do an NG. Can I ask you a question, your philosophy? Yeah. Versus your goals here. Is it working? No. So stop! Yeah.

I will never understand the, this is what I want, but this is what I do because. It's. So change it. Change it. Yeah. Heedanism isn't for me. Huh? Heedanism is not for me.

So it's $1,538 dollars with the $533,000. with the $53 minimumcy payment. What is the f***ing interest on here? 138%. No. Yeah, it's... Why are you still taking money from this? Because you just drew 125 and then $1.80 and then $7.50 and one fucking month.

One month three draws. To keep... I really needed some like... That much? How are you that far down? Some, some, so I can't, they don't give me the tools. I have to, at work, I have to have. Oh, don't tell me.

I have, oh, you're not one of those. How can you get it with? I have a minimum equipment list. I have to have. I know, well, what did you do to get it? Did you get any used tools? No. Uh-huh.

Of course not. I wasn't able to get used tools because there was a lot of problems going at the time. How do you mean a lot of problems? Was 9-11 happening? I don't think so. No, it was okay. Because with my situation with my mom, uh, and, and everything.

I couldn't ask her for extra money to try to. How does that? Because I needed a toolbox and everything to go down to OKC. And OKC already accepted my offer. Okay. But you could like personal loan or even credit card. Yeah, but I didn't have the credit score to do that. You're drawing on here.

Yeah. So I needed like almost $5,000, $6,000 in tools. Yeah. What would it have been used? Have you looked? Have you even shopped you now? I tried getting used tools. My brother-in-law actually offered.

me his uncles try to get his deceased uncle's tools but it just I couldn't get them in time for it couldn't get them in time buddy

buddy because the because I had to get it in I just got the offer in May I understand that go in June so I had to get

a toolbox in everything for this current oh for the other okay see for the job that you got fired from after the three jobs he got fired from before this job that you're going to get fired from

right okay that's what i'm not going to get fired from this one i swear so far statistically i'm not living up to that i'll be honest okay great so you're one of the tool deck guys really collecting the financial audit and infinity stones yeah but i haven't i mean i've at least paid the truck off but not the but not the so oh so there's two truck the sexy old tool truck where the dude comes out with his nips and And you're like, buying all the tools in a million percent. Yeah. But once I actually started getting the money coming in and whatever tools I needed, I went to like Northern Tool and Harbor Freight and all of them for the rest of the stuff.

But my minimum stuff, I had to feel like I had to finance it. There's a big. Oh, bad debt, that one. Ally, let's see. Oh, no. Yeah, oh no. 2019 Hyundai Vloster. One, I've never even heard of that car.

Two, you're getting fired from jobs left and right during this time. So what the fuck? That's actually how I got. Three. You owe $31,9190.40 cents. Four, how much do you think it's worth? I think the last check is $13,000. 12,000.

$12,500 on a $31,9190. Loan. What is the interest rate on this loan? 16.99. Why have you done this? So I will not understand. Because the car that I had no payment on, I had fixed the alternator. I had fixed ball joints and everything out of it.

And I finally, it started and finally giving out electrical issues with the starters and not cooperating. Cool. Cool. Cool. So what did you purchase this car for? Out of want more so than. No, no, no, no, no. What?

Price. 36,000. Cool. So there was nothing between the zero. car in the 36,000 hour car. There was nothing. There was no cars available. There was certainly nothing we could do. There was nothing.

No matter what, I was going to come underneath for any car that I was going to go. I would rather you be underneath on a 10,000 hour car, 10,000 hour loan than a 30,000 hour loan. Are you fucking, what are you talking about? You're fixing, we're trusting you to fix planes and you don't realize that that's a big difference. Come on. Yeah.

No wonder you think you live in a food desert with a Walmart next door. What are you talking about? It's just more like, it's a. Car, I've always wanted, like, and I... Always wanted, so we do it when we're $100,000 in debt? It was $100,000 back then. No mortgage. It was a hundred thousand back then.

I mean, that was, I only had one card back then stuff. And that was... Did you meet your... Mawai fish? Before I got that car, no, I got that. So you got this alone. We're actually co-barrowers on that car, and now we're suffering. So that's...

What did you put down? Nothing. With the amount of interest that accrued on this car man, because of how the S&P 500 has done over these past few years, it just literally had its best year in the millennium this last year, man. If I opened up my brokerage that I personally used Mumu and I bought into the S&P 500 around then, instead of this $30,000, $36,000 that I'm paying interest to, that you would just made so much. It's just so against you. This is not productive.

And now you're dramatically underwater. Everything's f***. retirement? I have my 401k. I'm much. Oh, $600. And $100 in investments. I mean, what's the dream of like having the car you've always wanted since you were a kid?

I'm down with it. I mean, you have a Tesla Y, which is one of the more premium. I will answer your question because you asked it. Would you like to hear the answer? Yes, sir. Because I could afford it. you couldn't afford this. Yeah, I was,

we get the car we can afford. And my first part is before my grandpa did I was the one asking him for money to pay. Oh, stop. Am I in a privileged position? Absolutely. Absolutely. So I was able to get the car that I wanted to and it was really cool and I'm very blessed for that. And I'm sorry that you could not afford the car that you wanted.

But math is, math is math. And we live in the real world and you're not coddled. And we don't get to the end of life in a better way throughout life. Everyone just goes around you and says, oh, I wish you could have got to call you that we wish you would get. That's not how our society and culture works. No one helps you if they're going to baby you. No one helps you if they're just going to fuddle. So guess what, dude?

You couldn't afford this. Even if it was your dream car, so you don't get it. I'm sorry. That's the way the world works. I'm sorry. Because now you fuck yourself. You have fuck yourself. I will, I'll, I'll take it right out of me.

Huh? I'll be I'll be I'll will myself this you see you just wait your wheel I will sorry I have a slot twang I will I will I will

when I get nervous I start doing that okay good try to say what you're trying to say I will unfitting myself okay go ahead how because the death's only been going up and you miss payment on one of the cards we looked at and you're above the credit limit on the other one and you're dramatically underwater by two thirds on this car because I have a guaranteed

contract to go 150,000 in five years. But what if they fire you? What's the buyout? Is there a buyout of the contract? No. Then what the fuck are talking about? So there is no real guarantee. You're just saying if you stay there.

So shut the fuck up. Buddy, as someone who's been fired from the last four jobs, statistically, you are not landing up correctly for this. I haven't been a, you, no. Okay. Take your time. I haven't been fired from the last four jobs. I've only been fired.

from that job. I have picked up another aviation job in between those for prop aviation. I'm not much of a car gun. I'll be honest. I more go for the technology.

That's why I went for the Tesla. I know. Everyone loves it when I mentioned it. It's insane. It's like I just go over the technology. I really don't get it. Why is this a dream car? This doesn't seem

like anything to me. Well, after put a picture up of a 2019 Hyundai Veloster. Speck in. in spec. It's a special edition. It's for track use, mostly.

Right, which I'm sure you're doing all the time. What's it's at 0 to 60? It was like three or four seconds. Okay. So it's a topout of 300 horsepower. Yeah. It's just probably, it's just, okay.

It's more of the specs on like how it fasts on the Nourby area. It's not worth fucking your life. That's 16% interest. What's the term length on this? Because you've barely made it any progress. Have you missed payments? No. Have you put payments to the back of it?

You've made no progress in that way. When did you buy this? 22? You've made no progress on those. 2020. Yeah, 2020. Yeah, 2023. That was it.

It was December. So it would only be that a year and now. Oh, my gosh. Okay, Capital One quick silver. What's up with this? We're going to learn from this. Because every single one of these so far. It started out as a 750 card and I was like, I can't do this.

So I cut it down in half so I can pay it off every time. Huh? Okay. So what's going on? I'm still not paying it off. Because I know. You paid it actually a big payment towards it, but then you spend $1,431. Easy.

$31. What? Wait, how can you spend $1,4131 to the credit limit of $350? Because I cut it down. Oh, well, there is a balance of $3.40 right now. So basically maxed out and $3 with the minimum fee payment of $25. What the fuck happening here? Oh, it's all bullshit.

There's not a single necessity on here. It's all just highlighted lines. Yeah, yeah. But it's, I'm self-deprecating. I put myself down when I'm like. What do you say? You just made a sound. I'm a dumb ass.

This is what I said. And I was like, ugh. You are a dumb asses. Yeah. And your actions and other areas of life, maybe not. But this is the dumb rassery of a statement. Yeah. This is a credit card that is maxed out.

That it's accruing interest. What the fuck are you doing? You're going to macto cool. Maxco tools. $123 and Waterberger going into a gas station, get in some BS. What's Imperial? It's the, I'm basically owned by the, uh, of the, uh, what are those things? Vending machines.

I, they're owned by the, the vending machines? No, I'm basically owned by the vanning machines. I like to get like my breakfast and stuff out of them. Your breakfast from a vending machine? What a way to start the day? Yeah, it's a... What do you get from a vending machine for breakfast? A Pop-Tart maybe or sometimes there's... You know,

they have those at Walmart where you work right next to you're on cheaper. You know they also have cereal at Walmart where you work where it's close to work that is cheaper. It's just convenience of me being... They would be more convenient to grab a pop-tart, eat it on your fucking car ride. Yeah. I don't I mean, I do have a 30 plus pen.

All right. So you pass many a grocery stores on the way. Yeah. I do, but it's just, don't do me like that. Buddy, come on. Of course I'm going to do that. You said you lived in a food desert.

That's a certified. But it's also not correct. But it's also not correct. Buy a food desert? I don't care if it's buy if it's in. It's not. I looked at the map. Yeah.

All vending machine, Venomachine, Venomachine, Venomachine. Working at, fucking just the eatery. Oh, McDonald's. Going in, getting some BS. Venomachine, Venomachine, Venomachine, Venomachine, Venomachine. McDonald's, Venomachine. Reesers?

Mm-hmm. Reeser says our local is our food, is our food supermarket. I go there to get stuff to make, like, jumble eye and stuff like that for the family and everything. Food dessert. I cook, yeah, I cook for the family sometimes. Food desert. Waterburger Returned mobile

ACH payment A returned ACH payment Returned ACH payment Returned I didn't have enough Money

What did it happen Because I don't It's Donald's Sake Tackling outdoor Yeah for your little Fish Tackling outdoors

Stop buddy You can't afford That happy Obviously Obviously Obviously Just Swin

Okay Catch them with your Mouth One Korean Barbecue And hot One Korean Is that one of your place on your special map?

Yeah. A little rub map? No, that's actually a cream barbecue place that me and my wife go for special occasions. Special? Yeah, well, not. Well, maybe special. Go inside the gas station. Go inside the gas station.

Get some BS. Go inside the gas station. Get some BS. It's just like. Benning machine. Actoak tools. Brewing. Got some stuff and some BS.

Stop to the gas station. Got some BS. Stop at the gas station. Got some BS. Slim's barbecue stop to the gas station Gives and BS Interaction Restaurant for $70 I mean if you don't Wait why the fuck are you going with your wife?

She broke up with you. Well, because we're still on good standing. We're still best friends And we hang out. That's why she lives with your mom with cockroaches. Why do you live there making so much money? I'm so confused. I don't get this whole situation.

It's fine. It's paper. Buddy. He broke the chair. It's a habit. It's a habit to break the chair? No, it's a habit like, oh, something dropped because if you're working on...

Like the planes of the air that you work on? Yeah, if you drop something, you want to make sure it doesn't get left behind. Let's prevent it from dropping next time. So as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner. I actually own stock and I'm an investor.

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in course careers is here to help you shape it. Yeah, but it's just, we're still on good standing. And I also just, it was at the time like I just didn't want to leave her. Why do you still live there? Because after I lost my job in OKC, every other job was to come back home because also is a much bigger. Cool. Why do you live at home, though? Because I want to get a down payment ready for, to buy my.

Are you really going to get a house? I'm a little nervous for you to have the responsibility of owning a house. I'm going to buy my grandpa's land. Is that a car also? It's in Biggsby. It's in the area. How far away from that from the airport? 30 minutes.

You're really not going to cook out there. It was the closest grocery store of. Biggsby. 15 minutes to Glimpool. Actually, Biggsby is sprawling out. So I think if I buy that land, it'll actually. That'd be great. What do you need?

Who owns it? My grandma. It's fully bought out. And she wants to sell it to you. She says she's going to sell it this year. Why doesn't she do owner financing, do you? And just like, she wants me to, she wants whoever is going to get it is to get a loan. So it's a lot of them.

Between family members, it's a race? None of my family members make any money. Well, I grew, I said your sister does well. They're, they're half siblings. They're not from my dad's side of the family. It's very complicated in that world. world. Not really. It's just...

They're your half siblings. Yeah, but they're not in like... They get upset if I say they're half siblings. So I just call my brother and sister. Because they probably just view you as your brother. Nobody else in my... So what is this? She wants someone to take out a loan. So you're just trying to get enough money down to qualify for a loan?

Yeah. Well, I also get the... How much money? Technically, I won't need any money for... How much is she wanting for the house? You fuck. I think she wants about a $150. $200,000.

Okay, so what are you trying to save up for a down payment even though you get the VA loan? Because it puts skin in the game. I said how much? Oh, I won about 5% in before. She wants to sell it for exactly. You gave a range. She doesn't have a number? She doesn't have a number yet.

So what are you going to do? Then $150? Is that what you said? Yeah. So $7,500. We can get there in two seconds. But you shouldn't get a house without a fully funded emergency phone. You shouldn't get a house without having all this bad debt paid off.

If you get a mortgage for like $150,000, it's almost equal to all your bad debt added up. The money guy says that emergency fund should come after debt. That's what the, that says money of order of operations says that. Yes. I said don't get a house until you have an emergency fund or until you're not a debt. I'm misunderstood. Yeah.

It's okay. Maxco Tools. I don't even know what technically the interest is on that. Great. It's like 60. or it's like five years worth of weeks because they do it by the week and then they don't tell me the interest, they just tell me the payment.

Looks like 32% interest rate. Wow. I was close to my calculation when I did it at home. Well, maybe not though. I mean the balance has gone up. I was calculated off that. Why is the balance gone up? That should just be a quarterly statement. They only send it out every... Why is it going up at the quarter, though? I've made every payment. I don't know why.

it's going up. Oh, the beginning of this court. Wait, no, no, no, no. But the beginning of this quarter. The very bottom is what it's supposed to talk about. Sorry. You're a mess.

What, okay, what are you owed today? Yeah, no, your balance went up. Your balance went from 20,5004 to 22,000. I did have to get some tools. Oh, did you? But I didn't think I financed

through them. I did it through the What a fucking racket. They got you guys locked down. Weekly payment. A weekly payment of 8625. Yes. Yo, $345 a month. These are stacking now, man. So stacking out.

This is fucking stupid. Stop it. You almost got entire free tools from your uncles, dead someone. This, we don't need. This is stupid. Did you get the free fucking tools? No. Because I already had to get the tools. anyway, just from...

Hey, but get the free tools and sell the other fucking tools. It paid out of the debt. Yeah. I would have lost the contract if I didn't get the... I'm saying now, you shit! Okay. Get it now, sell your tools. You'll take a loss, but it goes towards the fucking debt.

Math! Merrick Bank, for what? Another credit card. Um... For what? Because why is it $1,964.48? Because it's not at its max limit. No, no, no.

Why did you get up to that? Buddy. It's just a feeling of instance. It's like, what did you spend on it? Oh, my, fuck. Oh, my, fuck, buddy. A lot of it's questions are not difficult. I got that turned temporarily off for six months.

So it was mostly fishing stuff. Oh, that was my, yeah. Stop. Stop. I mean. $216. Oh, fees, buddy. $96 of fees this year.

Yeah, they have an automatic, yeah. They have an automatic like $100 a year spread out over a month and then late fees. I know it's that baked in stuff, but I felt like I, that was bought. So I could start, re-tried-try, try to re-buy, build credit. And that was my very first card to buy back. Your credit, man.

I don't care. You're destroying your life. $41 minimum fee payment. And I've looked at the FISCard and everything and stuff. I just thought that. It's just the $200 intro membership was like, oh. Well, that's new. They kind of just turned that on.

But we're working with them on our link to make sure it's like much more, much, much, much. So it incentivizing my mind. is like, oh, I can just fix this card. Well, they do that instead of like interest and stuff. So it's different or, you know, extra fees. I mean, anyway, they would still work out over and to be better. But it's just like, the intro rate is just like, oh, I can fix myself.

I can't fix myself. I can't. How's that working? Okay. It'll get there. Oh, what is the sheet? What is the sheet? Money owed a mom $13.

At 6%. She's charging the interest. Simple interest. So it's not compounded at least. Yeah, so take the take whatever I did initially and then just add six. Oh, it was just added. And then is that the 13,000? That's the final.

Is 13,000 the final amount? Yes. Why do you have this to your mom? It's well, because I needed money to move down to. Okay, see, that's why I can't. You've never had money for anything yet you just do everything. This doesn't make any sense, but you have always made money. Because I've always been able to just ask my mom or ask my.

But that's that money. That is fucking debt. And, but it's just. But I've made a good case. It's like, I'm going to be making this. I can pay you this amount. No, I'm sure you're able to justify it like crazy. But guess what?

It still has not worked. Shut up. I don't care. I don't care. What's the minimum monthly payment on this? Is there? 300 amounts to her. Yeah, she lives with the roaches.

Is she in like Section 8? Or like, what is going on? Her house is bought and paid for. It's a house that she owns. Yes. For f's sake, why is she not getting pest control? I do the past control. You're failing at that like everything else.

I've knocked it down several times. It's just we have neighbors that are very kind of grody. You're going to blame them? Yes, because we also live in a very wet area, which is what the natural environment for Roaches is. Tulsa? And because, no, for the Sepulpa area, we are in green country.

We get the most rain out of all of Oklahoma. Oh, out of Oklahoma. All Oklahoma is just can just. Well, we're in the old climate range. okay good show 13,000 hour owed to this breathe out in your mouth 300 hours a month

money owed to a former employer what the fuck man what is that my contract stipulated that for sign on I have to do three years for the O KC job What happens about this job if you leave

Same thing? No I don't owe them anything Sorry go ahead continue Is this but we've already talked to I've already talked to them It's 375 a month Your monthly payments are insane, man. This is fucking crazy.

The shit is stacking up. This is fucking crazy. I've never had a conversation like this is fucking crazy. Money owed to unemployment fraud? Oh, you're collecting new stones that it didn't know existed. But I've tried talking to them several times and they've never reached out to me. What do you mean? What does that even fucking mean?

That I got the unemployment when I was let go. in COVID and I thought there was still more work to do but I was just let go and it was fired so I misunderstood what the phrase of the sentence meant and so

I collected unemployment for the stimulus or not stimulus what is that the extra taxes or whatever during that time to increase unemployment money to help me survive to afford a life what do you owe

monthly to them. You don't know. You just know that you owe it. Yeah, I've tried talking to them several times. They never called back. They said they were going to garnish me, but it's been like four or five months. I hope they kind of do. Oh, four or five months, that's not long enough for me to just like void this. Four or five months is nothing. Well, it's been five years since I took it out.

The federal government was just going through a big change. I know, but four or five months since then, like, like just give a time. We'll see, man. Oh, medical debt, 2,586. breathe out of your mouth. Yeah. I'm going to make you have more medical death soon. That's supposed to be like workman's comp was supposed to pay for that,

but then they never did it. And so now I'm on the hook, it feels like for that. I've tried reaching out to my former boss, but that's all they give me is the insurance code and they won't. You talk to the insurance? No, I haven't tried them yet. Because I don't know how that, like, I didn't know that was an option. It's to talk to the insurance.

Well, they gave you a code. Yeah, because I gave it to the emergency room when I got emitted. The code? The insurance providers, welfare, whatever number from my employer when I got hurt. What happened? How'd you get hurt? So I was working on a car, and he had this car. At work?

Not this job. I was, while I was in school, I was a automotive slash tire tank. Danger technician. Okay. And I was, I went to lift a tire, and it was really heavy. And I threw my back out. It was so painful that I had to go to the emergency room. And I was, I couldn't move for a week and a half.

So I was on a lot of pain meds and stuff. Okay. What am I seeing here? Okay. It's pretty fun. Thanksgiving, though. Just being on my back when pig meds. Are you talking to yourself over there?

What is happening? Well, yeah. Sorry. I'm trying to talk about you. messing on that one. I'm trying to talk about student loans here, my guy. Because I see them existing. They were, I actually didn't have to do those student loans.

What do you mean you didn't have to do them? They're right in front of me. Well, because my GI bill paid for all the school. I just... But you have 22,000, 8703,000 to the loans. It was to take out and use for, to lower, like, my principal on the Navy federal card because it was because if you had the whole credit limit is $22,000.

You took out student loans to pay down credit card. Yeah, because instead of like 18%. You were so lucky they did not know that at the time. Well, it was to keep me in school. Does this help me so I could fight that? 22,873 dollars to pay down credit card balances. So you build yourself out again without. Well, it was no.

It was just to absorb that one. I paid off another credit card. I closed it. And then a few months later, I bought. I'm sorry. I don't think you're getting out of debt. I'm leaving a real. I don't think you're getting out of debt.

You've been down the cycle a thousand times. And for some reason, you refuse to change your behavior. And we'll connect you with all the classes, the debt class, the budgeting app, the therapy. We'll connect you with all of it. I don't think you're getting out of debt. Use the tools. Yeah. And use the people.

You have to go to therapy. You especially have to go to therapy. I'm on a medicine now that makes it a whole lot easier. It's good, but you need to talk to someone. Yeah. It's not just the medicine. Yeah. You need to go to therapy.

You need to go through the budgeting class. We just recorded a follow-up today, and the person went through the budgeting class, and I got them through their debt. They paid off all their active credit card debt. It's incredible. Do that, too. Over 10,000 people have taken it. Your student loans, is there a minimum fee payment?

No. forbearance right now. I already talked to them. Is it because you are on the save plan? Adjusted. Well, because during the time, it was active until I got out of school in about March. And then I finally got a job. What?

When does it start? It's supposed to either start March or, but I mean, with the current administration, I don't know. It could just immediately start back up. That's what I'm worried about. Well, I don't think so. So the deferment from graduation, I don't think so. But that's already done. It was supposed to start.

You requested an additional deferment. Yeah. Okay. Well, that's within the system. Well, I think more like the different forgivenesses and like the save plan, that stuff will probably get destroyed. But okay, so you're likely looking at a minimum monthly payment of, I'm guessing about $250, $350.

I'm going to say $275. How are you said? The income-driven one. So you are on income-driven? Well, no. I asked for it. be put on. They said they're reviewing it, and it's been a while.

I'm putting $2.75 on there. We'll see. What was your last taxes? What was your claimed income in your last taxes? $25,000. Okay, you'll probably get put in, well, unless it happens after this next tax year. Because, okay, what did you make last year? $30,000 on this last year because I only just started.

I'll cross that out for now. I'll cross that out for now because we don't, who knows. Yeah, I just got a, I just got this job. so I know. Okay docks. Student loans. More student loans. All them add it up.

Good, good, good, good, good. Set all your debts. They've gone through all your debts. They're horrendous and you're thinking about getting their house. You. Yeah, I think that's about it. Wait, do you have American Airlines Credit Union? No, I don't.

I have it on, I have a $2,500 initial loan for, and then, but it's $50. Is it a personal loan? Yes. Guaranteed by they just take it out of my paycheck. So what is it? It takes it out of your paycheck. Yes. What's the balance?

$2,500. So. And it was given to for moving expenses and stuff. Pretend like you fell out of the fishing boat. Plug your damn nose. Zero dollars in this balance, a thousand dollars spent from the cash app. A loan, you're taking out cash up loans. Yes.

What is your balance owed on there? I, e another loan. $75? Your balance is $75. Yes. Why do you have it? Because I'm going to be honest.

It's like a cycle I can't really because I pay it. $80,000 is a $75 cycle. Literally you went out to E-700 and you spent miscellaneous bulls $900. Shut the fuck up cycle. This is your behavior. Yeah. This is you being a little. literal child.

I just acting like a child is not going to have your mom recognize you as still being her little boy. Okay? Yeah. That's not how this is going to work. I'm really trying to make sure I'm not the bottom of the barrel

of all the kids. Well, you're competing against someone who went to prison, so I don't know if you'll get there. Yeah, but he has two businesses now that are flourishing. Well, and you committed unemployment fraud. Okay. Cash app, loan, Loan repayment, loan repayment, loan repayment.

This is crazy. Drawdowns, blah, blah, blah. That's fucking ridiculous, dude. Let's checking out. This is nothing in here. $156. No wonder you're getting your payments are being declined.

Flex finance? What's that? Is that another one? Flex finance is the one to split your rent. How often are you doing that? I'm not doing it anymore, but during the time of my apartment, it was just every month. It was, and I paid it.

It was just, it was just, it was. It was just, it was. was 15. Overdraft! Overdraft! Kings, Sol. I like...

Yeah. Salpapa, Salipa, ATM, Atal, which raw, Popeyes, PayPal,

in a restaurant, this is really hard to read. This statement is not a good statement. Went inside S&PS from a gas station, more zip pay later, Zip pay later.

A tool sales, tool sales, stop. Please. Well, that's the payback the truck. That's not just to, How much you order the truck?

The truck was like $5.00. How much do you owe to the truck? The 500 was took. But currently right now, it's it's, it's, it's 175. That's a debt, you tit. Add it to the debt. That's paid off in two weeks. That's still a fucking debt.

Wait, what is this? Why am I seeing a personal loan here? What is this? Oh, that, that is the, that's American airline. For a 15.75% interest rate? It is. It's here. Yes. Let's say if I can even budget this.

This is going to be an interesting little equation. Breathe out of your mouth. $2,201. $26. It's insane. You don't pay rent. Do you pay utilities or anything? I pay $100 towards my mom for rent, $150 for insurance, and then $50 for my phone.

What insurance? What insurance? Car insurance. Yes. And then what was your phone bill? 50. Okay, do helium for 15. I don't own my phone. When you own your phone, do helium for 15. Okay, so we'll put 50 for now, right? Yes. You said? Yes. Oh, my gosh. People. Okay. Utilities, you do anything for that or is it just the rent? Just the rent. Okay. Groceries, $300. You're doing it for yourself. Use our cookbook and our budgeting app. The simpler budgeting app. Use the cookbook.

Get it at simplermoney.com or Calebhammer.com slash app, by the way. $300 food payment TP fund. Anything else you need to survive all your happy endings? $100 or your machine glucky glucks. Okay, gas, room, room drive, drive?

It would be about $60 a month. You know, you're going to have no incentive to try to go out there and date if you have a machine that gets you off every day. I actually already have a date lined up for in a couple weeks. How'd you get? Bumble. Or not Bumble. No, Hinge. I did it.

Well, that's, yeah. I mean, it's online. So, okay, cool. Cool. Cool, cool, cool. So 100 for rent again. That's what it is. Yeah. Okay. Medical health care that comes out of your pay. Do you have any co-pays or anything like that? $25 per. Per visit.

How many visits? With a deductible of $1,600. How many visits? I only do it once every couple months for a physical. I'll just put it in your budget. 25 bucks physical every couple months uh it's for as right now i'm doing it a little bit more because i'm trying to get on tight tie zip hood with zep bound it's the it's not big kind of it's a it's a it's a different type of formulation yeah yeah yeah okay any pets yes no i have three frenchies

oh no they're one expensive to me they're living at that house oh poor guys yeah Yeah, they are, they do live at that house, but they're treated better than I treat myself. But it's just, it's insane because now we need to put in $60 dollars of pet insurance, because you can't afford if something big happens. Yeah. How much dog food on a monthly basis, price, price, price? Nothing right now. I take it from the bulk buy from that my mom gets for her dog.

Okay, get pet insurance for them. Anything else that needs to be in your budget that I have not put in? No. I think I can say What a fucking joke 3,146 hours and 26 cents You're freaking 5,000 hours a month Fuck you

Stupid dude You don't even have to take care of the The lady that Never contributed to anything It has no ambition or anything 1,850 I do 1,000, what?

One of the reasons I get a lot of food out Is because I just bring it home for us Yeah, well, Because of the roaches and everything. Say, hey, what up, girl? Yeah, we're broken up. Ever since I started watching your show, I started doing that. I'm giving you $250 a month for fun because you have that.

You have money left over. So you have now $1,603 to 74 cents after your fun of $250 a month. Come on, man. This is so stupid. Now let's minus your student loans from your debt. Let's just get, how long does this? takes off. I'm going to take off your medical debt and I'm going to take off your student loans and then we'll deal with those when that happens. Dude, you have no control over your body. Seventy-sixthousand-fourty-three

of bad debt outside of the medical debt outside of the student loans. Yes. $1,603 to go towards it on a monthly basis to take you 47 months, 47.8 months or four years. You know, sucks. Four years is actually not the worst, especially with me giving you a fund budget. Four years is not the worst for the amount of mess you got yourself in. I'd actually be happy with that. People have to go through longer processes with less debt. So four years, that's not bad. And your pay will hopefully continue to go up. Maybe you can pick up hours somewhere. Maybe you can go work a second job. What? Overtime starts in April.

There you go. Do as much as you can. Bring it down to three years and get a fully funded emergency fund. Then save up a little bit of money. Is your grandma going to die? She don't think so. Okay. Then let's focus on this.

Fully funded emergency fund. Then a 5% down payment on the home. Then you get to go. It's called that entire process five to six years. That is not bad. You will be beating the median age for the first time home buyers and you'll be living a good life. Okay. No more

around, dude. There's no reason why you should be in this. There's no reason why you should be getting fired. There's no reason why you should be a child. There's no reason why any of this stuff. What a joke. You're spending in a budget score. You overspend.

Zero out of ten. You're debt. You have unemployment fraud. Zero out of ten. Emergency fund. Nothing in savings. Zero out of ten. Retirement.

Barely anything in 401k, but at least there's something there. One out of ten. You blamed some of your things of throwing up a massive percentage to your 401k at the beginning. There's $400 in there. What the fuck are you talking about? Shut up.

I'm just trying to make excuses the whole time. Zero out of 10. Because of that excuse in the dumb shit, I'm just pissed. I'm going to actually round you down, which is never happening. Zero out of 10. Guys, come to the post show.

Link in the description below our YouTube membership. Join Elite for the best value of a dollar. You can actually call in and talk to us in our call-in show. Join us for the streams and the exclusive audit. So much stuff. Join us. I have a feeling with this dude. It's going to be a little.

interesting post show. I feel like we're about to hear from the best hugs that you can get on a map in Tucson. I got so drunk, I kissed a grandma and then I ran off and threw up on the beach. I saw Lindsay in the post show. I wanted to come here and be like, hey. Well, not in that way. It was just like, it's just she looks like the woman I would be really interested in. So it is like that. But no, but some ways that would be a lot closer to me. Lindsay would destroy you. I'm into those types of clubs where they destroy me. I like really strong like women that will like basically kill you.

I should not have said what I said because I did not know that. To watch the financial audit post show, click the join button below.