Financial Audit - This Walking STD Pisses Me Off | Financial Audit

Episode Date: August 28, 2024

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To watch episodes of financial audit a week earlier, check us out on YouTube. She called me saying that she had an STD. So you consider this STD test to be bullshit, but not all of the going out to eat? Yes. It wasn't. So don't try to come in with that. Don't try to make yourself look like the good guy out of a sympathy play. Um, Lucas, I'm 25, and I am currently living in Houston, and this is the financial audit.

The financial audit. It's back again. So thanks for coming over to Austin. and what do you do for a living in Houston? I have three jobs. Oh. Yeah. Okay.

So first job is, I guess, the day job, Monday to Friday mornings most of the time. And that's, I inspect welding using X-ray. How many Monday to Friday morning? So is just like, what, six to ten? It kind of depends. Sometimes I'll come in like 4 a.m. Yeah. Some days I'll come in at 11 a.m.

How many hours a week are you working that job? It's very inconsistent. I'm not going to lie. Like, since the storm hit Houston, the week that the storm hit, I didn't work at all. Makes sense. The week after the storm hit, I worked one day. And then the week after that, I finally... Is there an average?

What are you, Thanos? What is happening on your hand right now? This is probably the number one reason why I'm in debt. Really? Okay, we'll talk about that in a second. Sorry, it just caught my attention. We were just chatting for a little bit, and I literally did not see it. put them on before we started.

That's funny. Okay. I never had a ring in my life. I mean, I don't think any of these are going to fit you, to be honest. Nope, probably not. Well, I don't know. Actually, our fingers are pretty similar. But, okay, cool.

So you don't know how many hours you work at that job? It's not consistent, but I say, I say base 40 just average because sometimes I work 60, you know, so. Across all jobs? No, across that one job. A month? A week. 60 hours. Sometimes.

and you worked one day. No, no, no. So the Monday to Friday, some days, like, so example, like, some days, like three days a week, you know, just depending on how busy it is. Okay. I'm sorry. That's, I'm confused. What are your other two jobs? Okay, the other two jobs, I'm a bouncer at a bar.

Oh, okay. That I usually work Friday, Saturday, and Sunday night. It's pretty good. I mean, I probably get somewhere close to 20 hours a week just doing that. And your third job? Third job is I work at a jewelry store. I'm an office associate technically. Is that where you got those from?

Partially. Some of these I went to a custom jeweler. How many hours of week do you work at that one? That one is a lot less. I usually work like once or twice a weekend. Or not a weekend, a month. On average, how many hours a week do you work through all these jobs a week?

Baries, but... Average, I'd say around 70. Okay, so that's what you meant. Okay, what's the best paying on? And what's the worst paying on? Well, hourly rate, it'd be the bouncer job. Is the best? Hourly rate.

Okay. Well, that's hours. And the worst? The jewelry store job. Okay, that's the worst. So why are we working 70 hours a week right now? And then also, why the fuck are you in so much debt working 70 hours a week? What are we doing here?

Because let me tell you, the progress wasn't really made. I'll let that be known. Yeah. So, I mean, it started before I was working three jobs. And honestly, I had to basically get the third job for two reasons. One, struggling with paying the minimum payments. Just the minimums, okay. Well, I mean, one of them I'd put more into than just the minimums.

Yeah, but you're struggling to literally just pay only the minimums? Yeah. Okay. So your needs were just out of control? Needs slash exploits, I guess you could say, or splurging on ridiculous. Yeah, okay, sure. And then the second reason was I got the day job. Because before I was just working at the bar and then at the jewelry store.

but my so I had a girlfriend for a year when we broke up for a year but we were still having classic and she said she was pregnant oh um yeah uh so I was like well I got to you know start busting some ass and really try to get out of this debt that I'm in yeah you should have busting her ass well yeah that's I mean that are just pulled out but um um um but any so

um um but then uh came June when the baby was supposed to be born uh so me and her weren't living together oh sure um but we were planning to move out

a month after the baby came you know because the first month the baby's really susceptible and not it's really supposed to go outside much because were you seeing her during this time did you see her through the pregnancy Yeah, we were together, but not living together, you know? And then they were working three jobs and then hardly had time to really do stuff. Okay, go on.

I'm intrigued. So apparently early June, she went to a doctor because she wasn't feeling well. I didn't, she didn't tell me about this. And when she went, basically she found out that the baby wasn't mine. Oh. Yeah. So. Interesting.

But she didn't tell me that. Were you guys exclusively diddling? Uh, or? I think we just didn't talk about it. Fair enough. Okay. But, uh, yeah, she definitely didn't let me know that she had anyone else. Sure.

Let alone unprotected. Okay. Um, yeah, risky. Definitely risky. Uh, what was I saying? So. So she had a baby that's not yours. Yeah.

So then after she found out wasn't mine, she still went ahead and, And she gave birth to the baby without letting me know either and just kind of let me, I guess, just continue to think that she was still pregnant because we just hadn't seen each other. Very curious to see how this got you in debt, but go on. And so then at the end of last month or the beginning of last month, she finally went ahead and told me that the baby passed away. You mean last month, like last month last month?

Yeah. Like from right now. Okay. Wow. Really? Yeah. That's tragic. It was, I mean, definitely one of the worst feelings you can imagine. Yeah. Let me sit with that for about two weeks until she finally told me the truth, you know, about. What the fuck? What was the truth? The truth that she had with someone else. Oh, that's their baby. Yeah. Okay.

So. Did the baby die? No, the baby's healthy. Baby's fine. So she told you the baby that you thought. thought was yours died. Yeah. Instead of telling you that she f***ed someone else.

Yeah. Because she knew that basically she was going to lose me and, you know, she loves me and how does this mean you got into debt? Well, no. What I'm explaining why I got into the third job and why I really started. Oh, because you were ready to start working for the kid. Yeah. Oh, okay.

I get it. And now are you maintaining to hopefully get out of debt or? Oh. I mean, yeah, I mean, I just, with that situation, you know, thinking that my baby passed away. Yeah, that's horrible. I still was in the mindset of like, well, I still have to work because I still have to pay everything that I owe, you know, at least make the minimums. So the fact that I didn't really have the opportunity to take off work and really grieve was very unfortunate. The same thing happened last year when my...

Remind me, how long did she allow you to think you lost a child and then say that you just never had her child? So she allowed me to sit with that for almost two weeks. Honestly. Makes mistakes. That's, yeah, and mistakes are okay to do, but this just happened. So she's a bitch right now. And hopefully she grows beyond that. But that's f***ed up.

That's f***ed up. Because one, when you did kind of lose a baby twice, you thought it died, which is the worst. And also the baby that you thought was yours, you also just realized just isn't yours. Yeah, but it was a big relief, though. You know, having the baby was fine. It is. Before that, I mean, it was a wreck. I mean, no lower point in my life.

And then after she told me the truth of everything, I went and got hammered at a bar with my friends. Okay. You know. And this is why you're in debt? Because you got hammered with your friends? No. Why the fuck are you in debt? Why are you in debt?

I'm in debt. What is happening? Well, okay. I'm sorry. It's a sad story. It's the wild story. Interesting, wild, but why are you in debt? I think when I was younger, I just, man, I, like at first I started off $10,000.

What's younger? Like three, four years ago. Okay. Sure. I thought, you know, like 10,000 wasn't too crazy, you know? And then it just continued to snowball. 10,000, what? You went into 10,000 hours of debt immediately?

Not immediately. Or you had 10,000, like, credit limit. You thought that was... What are you talking about? 10,000 that you crazy. Basically, with some of my cards combined at, like, you know, a couple years ago, it was already around $10,000. Their balance? Yeah.

Balance or their limit? Balance. Okay, so you're at $10,000. Gotcha. And they're what? Just like bullshit. Just like, fuck around. Rings.

Frize. What are you rings? What is, what is? What is... What is... this. Is this like an obsession? So it's... I don't know.

I mean, they're really nice to look at, you know? And I feel good when I wear them. You're not going to almost get another woman pregnant if you keep wearing those. Well, I don't wear them all at the same time. It's actually a good birth control. Then maybe I should wear them more often.

I'm just kidding with you. But is this like actually... So a lot of the debt was because of these rings? I say a significant part because so with one of the cards which is where I put How many discounts does USA

Auto Insurance offer? Too many to say here. Multi vehicle discount. Safe driver discount. New vehicle discount. Storage discount. How many discounts will you stack up? Tap the banner or visit usa.com

slash auto discounts. Restrictions apply. Most of I guess the funding towards these I guess funding towards these. So walk me through this. How much cost what? What is what?

Let's see. This one costs approximately around like $3,500. Oh, my. Oh, my. Kill me. Okay. Wow. Green diamond ring.

Kind of got it partially for the Eagles. One diamond, like one green diamond represents the... Yeah, I guess you can see it's green if you're like literally like this close to it. Yeah, but, you know, represents the one Super Bowl they got so far. Yeah. I should try harder next time. And then this one was actually the first string I got. This one was about 2,500.

Okay. I got this after Kobe passed away. And he was purple? Well, it was Lakers. Okay, sure. And then... I don't know that sport. This one, so like I said, I probably mentioned to you earlier.

I go for the Angels and the Dodgers. Yes. That's baseball, right? Yeah. Sport where nothing happens, yeah. Yeah, so the center one represents the Angels World Series win. The six Sapphires represents the six World Series. They won while they're the L.A. Dodgers.

And then the one, Tanzanite, represent. It's a very sentimental rings. And how much was this? This one is probably the most expensive. How much was it? The Center Stone. How much was it? Well, how much was the Center Stone?

Center Stone was almost 2000. And it looks like it's. and like bejeweled or something like i don't know offense no you but like yeah what um but yeah this one probably around to close to four all together four grand and then this one the center stone is a thousand and then the rest of the ring itself was probably no that that was two thousand on this one uh-huh and then i have both my gold chains oh so both of these are about 2500 this one this one used to be longer, but I cut it down. Gosh, I want to make fun of this so bad, but I just really don't like.

This is, okay. So, yeah, so, but the one thing is, uh, when I put this on the finance card. Finance card. It's called the finance card? No, but I mean, as the jewelry. Oh, financing? The jewelry stores card. Yeah.

They're financing card. Okay. Yeah. So, um, very obscure with the words you say, like a very general term, just hoping I, yeah, know exactly what you're talking about. So they offered deferred interest Sure For 12 months

Oh you bet you But of course Me not really Being responsible Okay I didn't pay it off in those 12 months So if you don't pay it off in those 12 months All that interest gets slapped on

When did that get slapped on After 12 months after I've tried When? When did it Are you kidding me? Okay sorry sorry Sorry sorry we're best friends we're best friends when did that hit? Well, I bought these all at different times. If you're still investing on basic brokerages like Robin Hood,

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The deferred interest. I guess this one hit March, uh, 20, 22. Okay, a couple years ago. Okay.

And so that was, so has been rolling, the deaths has been rolling? Pretty much. It's been rolling. Because I was paying minimum payments on, on these. And is that all your,

is that your collection? Is this your entirety of things? This is all I really have to show for. Do you wear? How often do you wear these things? I don't wear them too much. Oh, let's sell them. So,

oh, great, yeah. So lack of sacrifice. Okay, yeah. No, the thing is what I came to find out when I tried to sell, I guess, this chain. Okay. Even though I get 50% off at the jewelry store I work at,

what I would get offered. How do they have margins on it? that. Are we saying the march that's already like 95%? Well, I think you also have to put into perspective the work that they pay the jewelers to make it. So it's partially. And then whenever you go and sell it to a pawn shop, for example, they only pay for what the gold is like worth in the sense of weight. So even though you get 50% off. I get 50% off. I'd only make about 50% of what I bought it for originally. You'd only make,

wait, so you got it 50% off, but it's only worth 50% of that, so it's worth 25% of what the sales price would have been? Pretty much if we were to sell it through a pawn shop. I was unaware. Through pawn shop? That's not the only way to sell it, though. It's not. You can try to sell it

privately, but it's more difficult. And most people on there trying to lowball you as well. Of course, of course. And only want to pay what the goal is worth in the sense of way. If you sold all this what would you get conservatively? All of this, all of this stuff that looks like you could buy it from the dollar store.

Less than $10,000 for sure. Maybe five to six. Okay, $5,000 to $6,000. Do you still have the debt on these things? Yes. What's the interest rate on the debt of those? Approximately somewhere between $25 to $30. That's insane.

So you lost 50% of the value immediately. You lost 50% of the value immediately. And then there's an additional 30% you're losing on the balance. True. That's insane. But if I were to hold these for longer, eventually they will be worth more. Because the price of gold goes up. Oh, you're going literally just off the price of gold.

I mean, it skyrocketed. Yeah, during the inflationary period, gold hedges well against inflation, absolutely. But, I mean, it's just not as fast as... Well, not only that. Is it appreciating it 30% a year? No. Is gold appreciating it 30% a year? No, I don't think so, is it?

No. Last 10 years, gold is up 22%. I think is 22% for the last 10 years, and you're losing 30% a year. So sell it and get rid of it. What are you talking about? In what world is there that makes sense? And also that's a return in terms of investments. If I invested in the stock market and I only got 20% over the course of 10 years,

I'd be changing fund managers. I'd be changing index funds that I'm investing in. True. But I think it's just the fact that the amount that I've spent on them and the amount that I'll get for them. No, that's can't. This is this website. One second. I want to price this correctly.

Let's get gold futures. Okay. Last five years, gold feature. Yeah, 60%. Okay, well, that's different. All time, the GCW00 is up 39.9%. The price of actual gold, like, I don't know. I don't tart that because I don't follow this.

It's pretty complicated. Yeah. But, I mean, if the dollar ever becomes worthless, I have gold, which always holds its value. What did you just say? I was just looking at this, but I feel like I just heard something moronic. I said that, I mean, if the dollar ever becomes worthless, then gold is always worth something. You think that is going to be your main concern?

I'm just saying it. Buddy, people are going to shoot you if you have gold if the dollar becomes worthless. I have a gun too, though. Yeah, they're going to have like a bazooker or something. I don't know. All I'm saying is that's not going to be the concern when, no offense. I mean, you are technically right. technically. But if the dollar goes to is absolutely worthless, the number one economy in the world,

the world leader, the military superpower. If it goes absolutely worthless, stock market collapse, no economy. Or bullets, bullets and rice. That's what's going to be traded. Yeah. Fair enough. And I apologize to the audience. I'm trying to get some good price tracking on gold and a live, a live view. But this is absolutely, I can't find any good real tracking thing. here. Yeah, it's pretty inconsistent. But either way, I know it doesn't, on average, compete with the S&P 500. That's correct.

I was trying to think something else I was going to say. But yeah, I think it's just the fact that the amount that I spent and the amount that I'd get back makes me want to just go ahead and just hold it. Because on that card that I owe now, it's approximately 6,000 or so, 6,500 maybe. Okay.

So I see a light at the end of the table compared to what it used to be, or I guess it never exceeded the credit limit. But I don't plan to spend more money on these items anymore, no more jewelry for me. I mean, I might eventually want some better situation. Because I do have the stone for this last ring, but not so much the first. funds to make the ring yet so it's just a stone that's just sitting there that's and that's really more important than your future to be clear no but like I said eventually when my situation is better I would like why don't we speed run it though can't you you can't you can get things like this in the future like this no for what it's worth none of these are about a lost family member

or anything other than about a sports team who gives a fuck yeah money dot com has from when this the United States ended the gold standard in 1971 to now the average yearly return all up, all down for gold has been about 7.7%. It's not horrendous. It's not bad. But again, you're losing 30% a year on it. That's where it's very different. Of course, you know, I'm aiming more for a 12% return on a yearly basis.

So again, it's not where I put my money. That being said, I know that it can be used as a good inflation hedge. And you are losing a lot of money on it because you're at, 30%, which is absolutely ridiculous and beyond stupid. Well, we all make mistakes when we're younger. Yeah, but I'm just saying maybe we cut our losses. Maybe we cut our loss. Okay, well, let's get, let's get, and the, your financial, your financial situation,

I would like you to give a score from zero to 10. Where do you think you are? Zero being the worst, 10 being the best. Oh. About a two. Okay. Because like I said, I mean, struggling to make minimum payments.

Yeah. Isn't great. It means I don't really get a chance to take time off. Hence with, you know, the passing's like that. I mean, that's what's really been, I guess, the hardest part about being, you know, trying to make the monthly minimums

was that, you know, like, I can't afford to not work. Yeah. So if you watch your Hammer Financial Score, free link in the description below. Also, if you have interesting stories, if you have, I guess, a bunch of rings or something like that, a bunch of chains,

interesting stories, different things like that. Feel free to go to Calebhammer.com slash apply. We're always happy to take a look at every application and consider people to come on the show. Let's start going through the debt. We've been talking about, you know, just one, an interesting story from you. It explains how you got a job.

It doesn't necessarily explain how you got in the debt, but I do understand the jewelry part. But we have a best buy card here. Are we in a best buy credit card because of jewelry? No. So originally when I opened that up, I went to just buy a laptop. And they offered, you know, like 12 months deferred interest, I believe.

Yeah, you're great with those. You're great with the deferred interest. Have we learned any lesson? Well, that one I did pay in time. Okay. Well, I'm seeing a credit card balance regardless. So. one that's not being paid off by the way.

So the thing about the best by car, eventually I started using that to pay for my now dog that passed away last year. I used to pay, I used to use it to pay her, basically her allergy pills because she had really bad allergies. And those were expensive.

And my brother wouldn't pay for them. My sister was in college. My mom doesn't make much money. and my dad's definitely not going to pay for it. So it was mostly set on me to pay them, and they get pretty expensive. So every month, every few months, depending on how I wanted to do it,

I was spending money purchasing them, and it just kind of just stacked up until eventually I eventually tried to pay it off. Okay. All right. Yeah. That was a whole lot of. like, with moderate to severe eczema,

also called atopic dermatitis that is not well controlled with prescription therapies used on the skin or topicals or who cannot use topical therapies. Ebglis can be used with or without topical corticosteroids. Don't use if you're allergic to Epglis. Allergic reactions can occur that can be severe. Eye problems can occur. Tell your doctor if you have new or worsening eye problems.

You should not receive a live vaccine when treated with Epglis. Before starting Epglis, tell your doctor if you have a parasitic infection. Ask your doctor about Evglis. And visit ebglis.com or call 1800 lilyrx or 1-800 545-97. nothing. No offense. Yeah. I get trying to take care of a sick animal, and that is okay if the only situation is to put it on debt, but then we do everything in our power to pay it off. Yeah. It was a horrible explanation for why the fuck you're not paying it off now.

It's all f*** you bullsh-spending. You make a payment towards it, and then you immediately build the balance all the way back up. Yeah, I mean, that's... So that was just a lot of us... Both, that was just, that was this, you've tried to do a sympathy plate or try to make yourself feel better. I understand what you got it there in the first place and then you pay it off. But it looks like you kind of paid it off because you put money towards it. But you immediately f***ed it by going out to eat every second of your life. So you're allowing interest to accrue.

We have a balance of $1, 112. $23 and 70 cents of interest is accruing. $30 minimum fee payments. You put $856. dollars and 88 cents towards the card which is incredible fuck yeah let's pay it off but then you wrecked it all the way back up again

with $721 spent so like what is the purpose there that was not to take care of a dog it wasn't so don't try to come in with that don't try to make yourself look like the good guy out of a sympathy play because no offense that's going to piss me off because guess what

it's all bullfending so I don't want someone to be fucking with me because That means you're not taking accountability of your actions. That means you don't actually care about getting out of debt. That means you don't actually care about paying off this card because you're going to try to make it sound like a sob story instead of what's actually happening right now.

So what I was using as my day-to-day usage card was my Plan American Express card. But when those minimum payments became too much, I started using the Best Buy card instead. What does that tell us? Why in your mind are you allowed to continue this lifestyle? If all the money you were spending on going out to eat, all these little purchases stacking up that were all your choice, not needed to survive in any way whatsoever,

why do you think that we then just move it on to the next card? Because something was getting stacked up too much for the minimum of payments so we couldn't afford it and said maybe, maybe we act like a mature adult and just manage a budget. Well, minimum payments on Best Buy card was a lot lower. Sad about the minimum payments, buddy. If you wrecked up too much on another card, how does it make sense to continue that lifestyle

onto another card? Yeah, now that you put it that way. And you try to say that this is because of a dying dog? It's not. I said why it opened up the card and then how I guess continues to say that. I just care about why it's where it is today. And why it's where today?

Because you put a big payment towards it, but you immediately spend the money. Yeah. Trying to think of all the things that I, I guess, spent last month on using the Best Buy Car, but I don't really remember. You don't remember. I know most of it's food. Yeah, and that's okay? I try to be affordable when it comes to food, you know. Go to Domino's, get a large pizza.

That way I eat. And that's more affordable than, again. Get meal prepaid and doing your own food. Well, $8 for a pizza, three slices per meal. And are you affording that right now? And is that exactly how you do it? Yeah, I do three slices per time I eat. So I'm able to get almost three meals out of one pizza for $8.

Yeah, go for yourself. You tried to leave me down on the thing again. You went to down when it was four times in the month. That was four out of the like 25 going out to eat purchases. So I don't know what the fuck you're talking. talking about. Stop trying to fuck with me. So the food truck is for whenever I'm at work. Right next to everything there. X next to all. Everything that is bullshit. Everything that is bullshit right an X next to it. As in bullshit like food. Bullsh. Bullsh. Things that don't matter.

Things that are not improving your life. Things that, I mean, they might give you that instant dopamine hit, but things that are not necessary in your life to serve. and that are making it harder for you to pay off debts. This can't be that challenging, buddy. I mean, it's just all food from where I can see. It's just all food for the Amazon one. But that was... X next to every bullshit purchase.

That's it. So to be clear... That one's upside down. So to be clear, you are saying that the food truck here wasn't bullshund. The food truck there wasn't bullshit. You going in and buying a drink from Circle K wasn't bullshit. You're saying that Shipley's Donuts wasn't bullshit. Going into Buckees and getting something wasn't bullshit.

Even Domino's, you're saying wasn't bullshit. Go inside 7-Eleven getting some bullshit. Going to the food truck wasn't bullshit. Domino's going inside Chevron wasn't bullshit. Sonic Drive-Thru wasn't bullshit. You mark Amazon as the one bullshit thing or Lab Corp? Yeah, LabCorp ended up being kind of a just-in-case thing. It was for, I guess, to check just in case I didn't have any more or any STDs.

Sounds like the one thing that's not bullshit. The thing is, so another thing that I didn't mention was basically around May, she called me saying that she had gotten an STD, a curable one. But she blamed Chlamydia. She put

blame on me. Like I said, I didn't know what she had. Even though she was getting raw-dogged. Or by many. At one point, by someone else. Even though the last time I had someone else was protected. But, you know, I didn't know

that she had anyone else and she made it seem like she didn't. So, um, so you got chlamydia? I did. Oh, actually,

I guess technically it never confirmed. I had it. Oh, okay. But, but you took the medication to be safe? But I took the medication. So you consider this STD test to be bullshit,

but not all the going out to eat? I'm so confused. Like, there's like no hope here. What? Like, how do you, if that's your mindset coming into this,

I don't even know what to do. Well, so. How are you possibly saying that going, out to eat every second of your life. Raising Cains, the food truck again. More dominoes. Ramen, dominoes, Amazon, Chick-fil-A, food truck, food truck, Giaro food truck,

Raising Cains, Dominoes. Going inside a gas station, getting some bullshit, Dominoes and Amazon, how are we not saying that that's bullshit? And mind you, mind you, you are putting this on a credit card that you are unable to pay off that is a 30% interest rate and is accruing interest. So how in the possible world in your mind is that not bullshit?

Your exes next to the bull. That's a joke. Those are the exes of a child. How in the world are those not bull's purchases to you? In what way are they not? Because they're less than $10. Less than $1. If you're meal prepping, we can get meals down to like $4 a meal.

Three bucks, depending. Actually, we got our meal prepping down to $3 a meal. $3 a meal we got down to That's what I mean The Domino's is pretty much Three dollars me Because like I said three You even know how much you spent going out to eat

No Buddy Buddy Buddy O'Pow Oh guy oh man I want to give you free money Right now I've partnered with different resources

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investing program and get $100 in cash deposit and into your money. Mumu account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below, so don't pass up the free money because I'll punch you. Should we play game number two? May as well address it in this moment because you clearly have no idea what is going on with money in general in terms of what's bullshit in terms of anything important whatsoever. a little game I call. Don't be a dumb fuck.

And this is debt payments. The amount of money that you put towards your debt, you will put here. Your needs, you will put here. Your bullshit ending, you will put there. Needs. Needs or needs. Basic needs. Your minimum requirements to survive.

This is how much money you brought in last month. Do your math. Go ahead. Allocate away, buds. Say most of this goes to here. Okay, so you put $2,000 to debt on a monthly basis? Around.

Are you even putting effort into this? You're just picking up the different time. Do you even know? What are you doing? Do you even know your life? I mean... This is okay. Food is still technically a need,

but I want to say... Yes, you're doing it in a dump way. I'm talking groceries, not eating out. Give us the breakdown. How much is there? How much went to debt? So 2000. Okay, 2000 went to debt.

How much went the needs? needs uh i mean i mainly just put the gas that i spent 250 how much you okay put 250 and then the rest which i guess is 75 or almost almost 1,000 so around 800 some change towards BS spending so in the end you think net that went towards paying off debt was 2 000 yes net after everything after you spent on cards after you did everything net was 2 000 well as in the sense of like how much I sent out, not including what I eventually spent on cards. So like basically around my minimum payments would all together is around $2,000 that I would send. Okay.

Well, $3,668. $3,68. $3,568, sorry. That went towards that. But none of it really mattered. Okay. Because. kept spending

because net in the end after you're spending on the debts only $234 went towards it not $2,000 well going out to your needs $250 and your bullshit was $800

well we have $540 going out to eat and then miscellaneous bullshut $288 and then unknown shopping that's usually Amazon you know for your case a lot of it was Amazon That was a digital 590. You're dramatically overspending.

I think a lot of the Amazon was for the car parts. And what is your rent? Because no way it's less than 250. Currently, as of right now, I'm living with my parents planning to move out in October. Okay. Because I moved out of my apartment in May and decided to just stay at my parents until the baby came and get an apartment a month after the baby. was born. So currently with my parents, but not for long, hopefully. I was planning to move out in October since I am traveling a little bit in September. All right. Let's keep going through

these statements because what this tells me that just your finances in general are all over the place. You don't know your spending. If you ever built a budget, that's the important part of this exercise is you didn't know how much you're spending on bullshit. In debt, I mean, you put less to it than you thought but again net you put basically nothing towards it in general you put it all back on so it's just a this is this kind of a mass man yeah I never I never did a budget

I was always kind of like let me try and uh I guess not spend how's that going you're spending up on a 31.49% interest card so I don't think going well could be one two

a one two three four Give me a break, give me a break, break me off a piece of that Kit Kat. Give me a break, break me off a piece of that Kit Kat bar. Have a break. Have a Kit Kat. Better? Platinum card. This one's huge, buddy. So is this the one you were spending on?

And then the minimum payment got too big. So let's start spending on a different card instead? Yeah, exactly. $710 minimum monthly payment. Before it used to be more. Sure, but that's still absolutely insane. And you want to go get your own place? You want to rent?

You're going to rent with that. 5,658. $0.53 is the overall balance. Why are there new charges? You're doing it again. What's the point? What is the point? It's like you don't give a shit.

Yeah, this budget? You're right. You don't know how to budget. You've never budgeted. This? You don't know what this is. That just goes away. That's nothing to you.

Benji? Uh-uh. Benji. That's what you say. It's fake money. I didn't just break. the law. Like, I just, I don't get it.

I don't get your intentions here. And then again, when we mark next to bullshit spending, you just didn't. One, you don't know how to use a credit card. So you need to use something like the FIS card, a charge card that forces you to pay it off early. And two, go through our budgeting program. Every guest on our show gets access to the budgeting and investing program. Go through it.

I promise it'll actually help you manage and stick to a budget. We'll build you a budget by the end of this. So what will we like. And you need to figure out how to actually go through your own. own manager budget and build it out yourself because this is absolutely insane you put you paid off from the painful $611 but you put $543 on it then you also spent an additional $1,000 pay over time dollars where $116 of interest was accruing there plus yeah so total $1,610 was spent with $160 of interest and you want to move out hopefully and you almost

Okay, NFL shop.com, great. Yeah, that's what we need to survive, right guy? Chick-fil-A, wonderful. Hulu, not really anything on there anyway. I'm watching the handmade still for the first time. I get that mostly for free, though. Mostly for free. $20.

I don't think you know what money is. No, it's because it gets reimbursed to MX. 100%. Yeah, except $1, maybe. Okay, that's not the worst thing. audio or... Mathematically, it's not the worst thing. It's not the worst thing.

Okay, fine. But then you went to shop bar and some restaurant there, then some restaurant there, then Amazon, then the Little Pities Rescue. What is that? $214. Do you get a new animal? I was sorry, Little Pity's Rescue is $50.

Amazon was $214. Charity. Charity. Charity to yourself. Buddy, you're living at home because you can't afford to live anywhere. And I'm okay if you want to live at home, but you can't afford to live on your own because of all this bullshit

because you decide going out to eat is more fun than anything. I mean, going out to eat itself. Again, I can get you on a meal plan, $250, 300 bucks a month, safe, conservative, healthy meal plan. You're spending $550 going out to eat. And again, clearly you are not prioritizing

paying off debt. Clearly, you are not prioritizing wanting to get your own place. Like you say these things, but clearly they are not a priority to you, Dominozes. more Amazon, more Amazon, more dominoes, plane tickets, spirit, where are you going? Where are you going?

Where do you think you can go anywhere? You can't go anywhere? You can't afford to go anywhere. What are you talking about? Where are you going? Well, so if I would go down the places that I'm going from basically next weekend, I'll wait to September. Oh, fuck you.

Where are you going? Where are you going? Okay. So next weekend, I'm going to Denver. Why? Visit my sister. Your sister. Get out of that.

and probably catch a baseball game. Okay, definitely not that one. Cheap tickets. This is the one I almost, I actually, I'm relatively okay with if we do it in a smart way, if there's something happening. And I'm staying with her,

so I don't want to worry about hotel. Yeah, but you also can't afford the playing tickets. And the baseball game, out of the question, stupid. Nothing happens at them anyway. Plus, you'd have to get endless beer to get through it. So, like, I mean, pregame. Yeah, which you'd spend money on anyway.

So stop. And the next trip, this next magical trip, you don't care. What are we doing here? What are we doing here? You don't give a shit. The Ohio one does matter. Ohio.

Yeah, everyone's dream destination. In Ohio. Okay, very good. Cancel the first sister trip then. Go to the wedding. Well, I mean, if I cancel, I'll get a fee for canceling the flight. Yeah. And what would the fee be versus...

I mean, the ticket was only like 80 bucks. Yeah. Round trip. Uh, 180. Spirit. Unless that's for a different one. Plus another spirit 60. Different one.

Okay. So the wedding, I can excuse a wedding, do it as cheap as you can on a budget. Next. How many travels are you doing? So, I mean, they're only like two to three days, max. So the second week of September is the Philadelphia trip that I'm going to, planning to watch that Sunday, a baseball game. and then Monday, the Eagles game.

What, what? Shut up for a second. Like, I'm sorry. What the fuck are we doing here? You don't give it. You really don't. Why are you here in this show? Why are you in that seat?

When someone else who wants to pay off debt, people come on, yeah, they have crazy stories. They have crazy financial situations, but they actually do want to get out of debt in the end. You're going on all these vacations and shit. You're not willing to sell those. Yes, for a loss, I know, but you're not willing to do anything. Why the fuck are you?

you here. I'll be honest, I'm not liking you right now. Kind of grossed out. So. Baseball, that's more important than making any progress. Guys, Domino's, it's a smart investment. Like, why are you in this chair? I like having a good back and forth,

a little digging in on someone. That's fun. But you're just being a dump. I realize that I don't make the best financial decisions sometimes. Wow. Okay. But revolutionary. Like I said, after the situations from last year and this year with I thought I'd lost someone very important to me,

it made me realize that I want to be able to take time off for... Take time off at work. For the possibility... You're not even surviving. For the possibility that, I guess, mourn... Fine. in case, like in case it were to happen again, like I wouldn't be able to. Well, now you're just living in fear.

You're not going to make good decisions for your life if it's only based in fear. Okay. Cool. Do it. Okay. You go do it. You're never going to get out of debt. You're never going to be able to move out of your home.

You're going to be living there until you're 40. You're never going to get out of debt. You're never going to budge. You're never going to actually live a healthy and good lifestyle financially or, you know, I mean, eventually all this kind of eating will catch up to you. Trust me. Um, go ahead, do it. Your life is going to be, and that's fine.

If that's the life you want to live, great. That's not the life that we teach here. We teach people how to actually take control of the money and live a better life. You don't give a shit about that. You're taking these trips. That's what you care about. So I don't know what the fuck we're doing. I want to get better.

No, you don't. Show that in any way whatsoever. I can't after I leave. No, I don't think so. I mean, one thing we talked about, and I know I was going to bring it up once we got through the cards. I know you just got a payment. You got a payment.

coming in, right? Yes. And you might put that towards your debt. Yes. Some of your debt. It's 10,000, right? Yes. Great.

It's not based on your earning. It's not based on anything you did. It's because you got in a car crash. Yeah. It's something that happened in life and you're getting this extra thing. None of the progress you have, there is no progress, one. But even that, none of it is based on your own actions. And you're not sacrificing anything to do it.

So again, I don't know what we're doing here. And I'm sure I'm probably coming across like an ass. But I feel like being an ass because you're just, you're around. I had you cross off what you think is bullshit. And even at least people that come into this room. And yes, we have intense back and force and stuff. They at least know that going to Chick-fil-A for 15 bucks is bullshit. Like, I don't know how you don't think that.

That's ridiculous. And now you're talking about all these trips that you're going on that you're going to be going on. You're not going to stop them. You're not willing to even talk. about considering getting rid of those. So what the man? I consider getting... I'm legitimately kind of pissed off. I consider

getting rid of these, but like I said, it's just... Considered, then you stopped, and then it doesn't matter. Amazon, Chick-fil-A, Bar-Louis. Went in a gas station, got some drinks. What are you getting? Monster energy drinks? I assume they're not bullshit to you. Starting a business can seem like a daunting task. Unless you have a partner like Shopify. They have the tools you need to start and grow your business.

From designing a website to marketing to selling and beyond, Shopify can help with everything you need. There's a reason millions of companies like Mattel, Heinz, and all birds continue to trust and use them. With Shopify on your side, turn your big business idea into... Sign up for your $1 per month trial at Shopify.com slash special offer. Oh, great. That's necessary for life. I mean, when I have to wake up at 4 a.m. after getting off late, Sometimes. Brew a cup of coffee.

Shut the fuck up. You know why you're waking up before I am and why you're getting off late? Because you don't have any money. You know why you don't have any money? Because you keep building up your damn debts. So go ahead. Again, continue this lifestyle. Go for it.

I support it. I do. If that's what you actually want, go for it. But you're waking up at 4 a.m. for the rest of your life. So no, because life is a whale hard because you got yourself in a little bad situation based on your own actions. Doesn't mean it's justifying. you to make more stupid actions that are keeping you in the endless cycle of being in a place.

In no way is that justified. I do want to get out of my situation. I do want to not have to work for a long time. You want to get out of the situation? What are you going to do? What's your plan? What sacrifice are you making? Go ahead.

Well, one, I would like to hear what you think I should do. Not a magic pill. But good advice is still good advice. Yeah. And I mean, just do my best to make more sacrifices and not make the same mistakes that I made in the past. I mean, I don't really know much more else that I can do. You don't want to make the same mistakes in your past. Okay.

Sure. There's a relatively general broad statement. What the fuck you're going to do? To not make the same mistakes. What actions are you going to put in place? What are you going to do? What are some basic things? I want...

Actually, you know what? You know, I can help you with that part. I want to hear why. Why? Why do I want to get out of my situation? Yes. Okay. Well, it's very uncomfortable, like I've mentioned.

Just the fact that, you know, had, like I said, I can't really take more than a week off ever. Aren't you taking weeks and weeks and weeks off for this? There are all these travels. There are no more than two nights, none of them. Yeah, but how many are there? Do they not stack up to more than a singular five days? Yeah, over the span of...

Okay, sorry, go ahead. A month. Sorry, go ahead. But I know, I'm obviously on edge. Go ahead. Yeah, and I want to eventually get to the point where I can help my parents And I mean there's other things I want to do in life too I want to create a clothing brand

And it's kind of hard to do You know in debt Listen any amount of wants I'm I'm happy to hear because they can give some drive Behind getting out of this Unfortunately I really just wanted to hear something like Not about like I want to go get ice cream or I want to do this.

Like starting the company, that stuff is good. What I was more hoping to hear and what's, you know, making me a little more nervous that this might not have the longevity your want to get out of all this and making the sacrifice necessary. Because I was really hoping I would hear something like right now, this is so stressful for me. This is making it so I feel like I don't see a future and I want to see a future. I want to see a future where I'm able to be independent or I'm not.

going to bed with the weight of debt over my, over my life. A lot of the people that get out of death that have been on the show, they are in like a last case situation. There's nothing else. There's no, there's no potential for a future. But your want is so that you can go on vacations. And that's okay. That might be what kind of pushes you. But I'm, like, I'm, I'll be honest that I don't know if that is going to be enough. Because a lot of the time, the reason people change their situation around is because they get to rock bottom. Not being. being able to go on vacation is not rock bottoms. So is that enough of a drive to fully get out of this?

I don't know. I mean, I am stressed. It's a continual thing. So it's a feeling that I feel all the time. So it's kind of just like a, at this point, I'm just kind of, I guess, used to being stressed out about financial. And you've accepted it to this point. Because you haven't done anything.

I don't want to accept it. Why have you been accepting it then? I guess because it's easier. Okay. If I'm being honest. Yeah, putting the head in the sand. And yeah, I mean, like I said, I want to do better for my family, for my future family. Okay.

And be able to do the things that necessarily like I would like to do. I have a comfortable future. And like I said, invest in things that I want to do. like the clothing brand and also I do want to enter the entertainment industry in some kind of shape or form. Oh gosh. Whether it be comedy. Okay.

We might save some of that for the post show then. Let's save. I think Noah does comedy. No, really? Yeah. He does comedy pretty well. I've seen him do. Well, so Brandon and him have both done like, you know, a few attempts at a

jokes and he's pretty funny. So I want to see you do some funny in the post show. So stick around for the post show. You can join the membership in the link below and we'll do the post show. Extra 20 minutes after every episode. I'll do my best. Oh, you better. You want to make a career in it.

$6,120 on this Apple card, $199. He comes in for the post show. That's why I brought him up. So he'll judge you. $199 minimum payment. Oh, my, you continue. It's PlayStation Network, Apple Bill. Apple Bill, just whatever in-app purchases.

PlayStation Network again. So, oh, we got a game here is $75, and then $10 maybe for a subscription. Netflix, really nothing on there, unfortunately. Cinermark, great. Yeah, it's going to movies when we can't afford to live or on our own. Yeah, live in the movie theater. That makes sense.

And another in-app Apple purchase. So I just don't know what we're doing. LA Fitness, fine with that. CVS extra care, fine with that probably. But again, it's every card you're spending on. You refuse to allow yourself to make any progress. So for the video game, my hopes was, okay, I won't go out as much if I have entertainment at home, at least. That doesn't matter.

Because now you're still in debt, so 137 hours of interest occurred. Okay, another card. Oh, we've been going for a long time. That's okay. I'm okay with going for a while, but these take a toll. Halfway not? Of the cards. Better be more than that.

$5,551. In 29 cents. On this one, with $173 minimum monthly payment. $183 to purchase is again. You're doing it again, man. I want to strangle you. This is ridiculous. Your balance went up.

Your balance went up. What a joke. Because there's $121 of interest as well. You just did. This is why, listen, listen, listen. At least some of the people that come on the show, even if they just seem absolutely wild and stuff because, you know, people in front of the camera, sure, I get it. It happens.

But then at least know not to spend on their cards. You, buddy, you have no indication of giving a single shit about getting out of this. And maybe you do walking away from here. And you know what? I want you to do the best. So, yeah, I hope so. But there is no indication in any way whatsoever based on your behavior at all, it all, not in a microcosm that you care about getting out of debt because you're doing nothing. nothing you're just spending and none of it's on anything important either

none of it except for the scd testing don't get committee again oh it's more travel don't get committee in denver it's the worst kind that high altitude committee i would know what is this oh is this the financing of the jewelry okay you didn't purchase think and it's probably because you just didn't get another piece of jewelry but think for the first time ever you've not purchased on a card Kill me. Only making minimum monthly payment. $6,361.4. With a $161 of interest accruing.

$224 minimum monthly payment. These are stacking like crazy. But again, you're not purchasing. Professional plan expired, expired, expired, expired, expired, expired, expired. Wonderful. And those are what we have to show for it. Yeah. boy and they're all 30% wonderful that's very good investment we're going up 7% a year and also losing 30 on them oh my gosh okay so we have an amex gold as well this really just does

keep going this is going to be a long episode i know some of those segments earlier get cut down but this is wild okay 8,880 and 67 cents with a minimum fee payment of three hundred four kill me now. If you purchased on this, I don't know if you did yet, but if you purchased on this, I'm throwing a crayon at you. Bad!

Naughty. Why? Why are we doing this? $52. It's not the most amount of purchases, but why are we putting anything on this anymore? Because you know, this is my issue here.

You're at $8,920. You made a big payment towards it. $310 is the minimum. a monthly payment, sure. But after the interest accrues of $2.17, if you even put just a little bit of money on it, sure, the $52 of new purchases against the $310 payments looks like nothing. But add that to the interest. And you only made progress of $40.

And at that point, it's just like a what the fuck, you know, your money, you're just, you're not utilizing money in any way whatsoever. That makes sense. Any of this, any of this. If I'm not even going to do some basic math. Not even going to do some basic math because there's no point. But literally, the spending that you're doing on these cards, if you opened up a broker, for example, Moomoo, that's the one I use.

You open up your Moomu. You buy into just a low-cost index fund. It follows the overall market. Buddy, you're gaining that 8 to 12% a year. And that goes so you have a chance to retire. But instead, what we're doing with the minimum fee payments that we're putting on this, we're just negating them completely because we're purchasing. Again, it's just the indication that you don't care.

It's the behavior. Behavior shows that you don't. So a really exciting thing that you guys should be thinking about is we now have all these extra things with our YouTube membership program. You can sign up for our post show. We talk about extra drama for the episode that we didn't have a chance to dive into. Why would I want more than one super? I don't want one super.

You don't f*** them. You just touch them and you move on. Why would I want to do that again? Because it's fun. Is that? And it's awesome. How is Caleb as a lover? I would give a solid nine.

How do you get to a nine? I just don't know how to answer that because, I mean, I just do. For the upper tier memberships. All the people from the crew from over there, they come together, they make a crew cast and they talk about the behind-the-scenes content and how we do everything here. I think he's been on the Husky side of personal. That's great. Twice a month.

We have a live stream with you guys and we hang out with you. We answer questions. We chat it up. We talk about the show. We just have a good time. As far as what I understand Gooning is, I believe it's an endless edge, an edge without no end. It is an edge that never concludes. Actually, I don't know.

Does Goonin conclude? And then most exciting right here at this table with even more pie charts, we have an exclusive, uncensored, ad-free financial audit episode for the top-tier members that no one else gets to see anywhere else. Consider joining me because ad rates are always up and down. We're trying to build something great here, and I wanted to make sure to provide the best content and the most. amount of content that's ever been in a YouTube membership link in the description below. What does it say what that purchase is by chance? Cheesecake factory? And two Uber Eats. So let me explain partially. So with cheesecake I get $10 off every month I have these gold card and then for the Uber Eats I get $25 a month on

Uber credit and sometimes I need a I guess you've purchased $52 so I mean the math isn't working out already still purchasing more than any kind of credit and how's it working for you buddy you're balancing down $40 even though you put $310 towards it so I don't give a simply like how would I it's a 29% interest oh my gosh

this is the episode that never ends did you go to college or anything what do you want to do for your career, just in general while I write this down. Currently thinking about it. So you haven't gone to college? No, no, not at all. I don't really. Just like any guess, I'm happy to offer you any course career certification, things like

accounting, things like any kind of trade as well. They're doing that and lots of tech certification. So we can do that. And then college degrees are also really good. The thing is, I don't want you to work in three different jobs for the rest of your life. It's great in a temporary situation, especially when you're trying to get out of debt. But that will take a big toll on your body and mental health for doing that over the

course of, you know, 40, 50 years. Yeah. So some of the things that I'm thinking about is thinking about joining the military, army, possibly. You might need that structure. Not that people manage their finance as well that do that. You might at least need the structure. If not that, hopefully there's a new job that it might get. I get an interview, but it would pay me more. It'd be a day job and pays around 20 something an hour warehouse type job. You haven't gotten this because it just recently came up. Okay. So you're not even like in the process yet.

No, I just have to go and do the interview. Oh, just the interview. And then thought about carpentry. Yeah. Sure. And that's. Do you have a passion? Because so far that those are all over the place.

passion i mean like i said i want to be an entertainer in some kind of shape or form um but also like writing you're very monotone though yeah well that's what kind of you know like how uh dave chapelle like has a very monotone for the most part he's kind of a storyteller yeah but mostly what my passion is is i want to write stories like scripts for movies or shows and i have written a few uh they just never gone anywhere. Because I don't really know where to go with them. In all fairness. Just like you don't know where to go with your debt because you have $2,7008 on the

city card and you have an $85 minimum fee payment. $58 of interest is going. Thank you for not spending. Okay. 29% interest. No one's surprised. Okay. Checking account.

$1,8004. It's like nothing of a checking account. They haven't had a checking account in just one page and forever. Then moving out $250. And Zelling out $20. Is that rat? No, wait. No, you don't do that.

What is that? What? What do you abandon me now $250 to? Booky. Huh? It was for a bookie that debt I've owed a long time ago. Well, why? Lost the bet.

Buddy, you were not in a position to make any bets. You're already negative. How do you want to, you really want to fiss up more? And I guess from what you can't see, I mean, that bet, that debt or whatever that I owed was from a couple months ago. He was patient, you know, and then eventually he asked me for it, and I went and I sent it to him.

Yeah. And I haven't placed any bets since, so. And please don't. Have you been placing a lot of bets before that? That's on what? Sports betting? Yeah. Of course you are.

You need to get away from sports for multiple reasons. Better at football, I think, but baseball is, what kind of? Do you think your net is positive? When it comes to football? Uh-huh. Yeah. last year I would

average around $35 like in putting towards a bet and I mean that was like each weekend so I guess $140, $150 like that I would I guess wager that would come out about $500 bucks a month

nothing crazy but I'm glad you paid them before you got shot or something do I even do I make a budget here I'll be honest I have no desire to but it says your behavior you're going on these trips still you're not willing to sell your ring pops

I've been trying to sell my gold chain for what it's worth I could put more I could put more passion into selling it I guess you'd say but I'm trying to get close to basically what I paid for it you're going to do your basic budget and that I just want to go to the Post-Sha

because I want to hear your stand-up or whatever. Your income. What is it? So what came in was... Sorry, it's a mess over here. Always ends up being chaos. It's a chaotic show. It said it varies because of the day job.

I'm not counting the Zellin or Applicash or ATM, but... Well, okay, average then, yeah. Because instead of going off of this, average, what hits your account on a monthly basis? Average. 3,400. Okay.

okey-tocks let me get your debt do you have a car debt no what do you have what's your car it's a beat-up challenger and

how's it doing it could be better is it gonna last probably not much longer I just got it fixed from my mechanic so to be clear you're going out to eat and you're traveling all this stuff

is delaying your safety around your car situation because you could be piling up an emergency fund to be able to take care of that, either repair or a new car. Yeah. But you're just saying my future, dominoes and baseball games are more important. Your debt monothe payments without even a

car or mortgage is $1,731.45, which is ridiculous. You don't contribute anything to rent utilities at all? Internet? Nothing? There's insurance for my car and also, I guess, my phone. I'm talking about your housing. Yeah, sure. What's your phone bill?

It's like maybe it's like 100 bucks. Something around. Okay, I'd switch the helium. It's 20 bucks a month. And then... What's your car insurance? About 100. How much in gas a month? 250.

Okay, 120 there. 250 for gas. TP fund, anything else you need to survive is $100. How do groceries work at home? Yeah. What do me? What? I'm sorry. How do groceries work at home? Do your parents buy them

Do you need to get your own? As of right now, my parents pay for the groceries. I mean, that's... There is no no excuse to be in this debt. You are literally doing this to yourself. Nothing in the world does this to you. This was all you

and it's you justifying your purchases and travels. I can accept that. How much is the gym? Well, after tax is $27. Any ongoing medical health care, therapy, co-pays, prescriptions? No. How much was Jim again, sorry? 27.

No subscriptions. You honestly probably could if you need it to. You have room. This is, buddy. I'm sorry. You have not made me a happy soldier today. For those that get pleasure out of seeing me suffer You'll love this one

You're 1,328.45 cents I mean, you have a thousand left over It's a joke that you have debt. It's a joke. In a month, pay off the Best Buy card. You don't really even need a one-month emergency fund because you live at home. In a few months, pay off the city card

and then just pay off the platinum, then the jewelry, then the Chase Sapphire, the jewelry and the apple card, then the Amex card. I think in general, and it's going to snowball. I would do smallest to largest. It takes 36 months to pay off. You make more money. You can take it down even further, but it's a year and a half, right?

Oh, well, sorry, no, that I didn't. Oh, I can't do math right now. It's three years, three years. Or you could probably make it two and a half years if you work a bit more. You already work it a lot. Three years isn't that bad, but probably not going to be moving out just yet. Yeah. I don't know, man.

I don't know. I did that. We can obviously connect you with all of our resources, but this is just going to come down to your behavior. And your behavior, no way whatsoever indicates that you'll get out of the debt. Good news. You got that $10,000. Yeah, throw it to the debt.

Again, pay off your smallest ones that you can. Then it should take you two years, you know. It'll take you just under two years to pay off the debt. So that's actually really good. I forgot about the 10. So that's great. With that, you're done in a year and eight months or so. get a fully funded a mercy fund, call it two and a half years.

Boom, two and a half years. You could bring it down to two if you're able to work more or earn more. And with that, you live an incredible life going from 27, 27 forward. You know, 50, 30, 30% on your needs, 30% on your wants, 20% to investing. You're retiring a multimillionaire. Like, you have a bright future. It just depends on your discipline now. And based on this conversation, I honestly have zero hope in it.

But you can come on the follow-up channel whenever you want and you can let us know how things are going. and I want you to prove me wrong. I really do. I really do. Hammer financial score. Make sure to stick around for the post show. We're going to talk about some things. Noah knows more about you because he knows like everything about your life.

He's been with you since birth. And he'll come in and he'll bring in some more questions that we didn't have to talk about. And we'll also talk about your stand-up, which I'm excited to see you perform, which I will force you to do. That's great. Spending in a budget, technically you spent less than you brought in but it was still horrendous where it was going to. I'll give it a three out of ten being generous.

Debt you don't have collections or IRS debt, but the debt for your situation is beyond stupid, one out of ten, which is the way you're doing. An emergency phone, you have nothing to saving zero out of ten retirement. Do you have anything? No.

Zero out of ten. I'm not counting the feteens retirement. You can't even sell them, so good luck. No. Things going up in value are only as good as you can sell them, by the way. Real estate zero out of ten.

financial score. Point five out of ten, make sure to stick it around for the post show. And check out all the resources linked in the description below. Is there what I use or would use in specific situations, including the best budgeting and investing programs that are now bundled at a lower price. Stick around for the post show. Today on the financial audit post show. The thing he marked down his BS was getting a medical check. And going out to eat, was it?

At the end of the day, it's food. You know, like, I need to eat in order to... Yeah, you fucking need to spend 600 hours and you could do it for 200. No, no, not even that. No, did you hear the thing at the end? Some groceries are free at home for him. No, I know. So, fuck you, you need to eat.

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