Financial Audit - Trans Socialist Blames Capitalism For Their Mistakes | Financial Audit

Episode Date: December 4, 2024

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check us out on YouTube. I got cuddled a lot, and that's one of the reasons why my ex, typically. It sounds like you're just trying to take an excuse for why things are bad today and why you're not doing well now. He paid for a majority of our life when we moved into that. That's not your boyfriend poddling. That's you being a dump in borrowing payday loans for his Xbox. I'm going to be honest with you. I think he is to blame him. The fuck are you? You just want to blame it completely on him? Do you have no

ability to take any kind of responsibility? Hi, my name is Ellis. I am 23 year old from Dallas and this is Financial Audit. Thanks for coming on. You know, I just want to ask a question. I know that you went through a lot of things

with our producer, Lindsay, just to make sure you're comfortable on the show. But I'm a pretty abrasive person, especially when it comes to talking about finances. And, you know, the first thing you hit me with is, like, asking what you're even, like, allowed to, like, say to me, which I appreciate. But, like, are you sure you're going to be able to handle this conversation? Because this gets pretty intense. Caleb, I'm ready.

I am fucking ready. I need a fire lit under my ass, and I'm, I'm ready. I was just getting some sensitivity vibes. Yeah. So I just want to make sure that I'm not, like, destroying someone. You don't know me, so you don't know me. so you don't know what my boundaries are. So you can't hurt me.

Fair enough. So what do you do for living in Dallas? I am a studio manager. I manage a store and it's storage. So basically that. I'm basically a property basically like that. So it's like a studio. No, it's like a storage company basically.

I don't know why I said studio. Okay. How many hours a week do you work in that? 40. What's your income there? 1850. I just got a pay increase. I was making.

1675. Oh, okay. Wow, that's actually percentage-wise, a good increase. Yeah.

How do we feel living 1850 an hour in the Dauce area? Not great. I am definitely living above my means a little bit. My rent is increasingly, like,

it's bad. It's really bad. I know it's, but I mean, I choose to, what do you mean? What is it? It's,

it's, what do you not know? Do you know? I, I do know. How long have you been living in this rent? Your motive. Okay.

Oh. 950, I think about, because it fluctuates sometimes. $950. Yes, because I split it with the roommate. I split a two bedroom with a roommate. Oh, well. So that's why it fluctuates a little bit because sometimes I like, what do you mean why? That doesn't make sense.

If you split it with a room, are you talking about utilities included? Yes. So half. That sounds that bad. No, for the Dallas area. So in total, I think it's about two grand. We pay close to two grand for a two bedroom. Yeah, but you don't.

No. I pay nine. You have roommates. Yes. I'm looking at someone with the roommates and not freaking out about what their total run of their places, just what they're providing. Yeah. So 950, give or take.

950 for the Dallas area is relatively reasonable. And you're saying you struggle with that? Yes. I mean, there are some weeks where you're not cutting back on other things in order required to get that. Ish. Ish? What is an ish?

Well, I mean, like, I like trinkets. I like trinkets. What can I say? The fuck is a trinket? What are you talking about? Okay, so like I like to fill my room with little trinkets. I like, you know, little supplies and like, like, little frogs. Why not pay for the room first?

I'm, frogs? They're cute. What can I say? I'm sorry. But, okay, I do pay for the room first. I do pay for the room first. You got your little stem ball there. You're good.

I know. Stimball. It's fun. Have you tried these before? Girl, I walked in with one. Guy. Sorry. I'm sorry.

That's, I call everyone that. You are okay. You are okay. You're okay. You're okay. You're good. So they call me liege. You're okay if you want to.

call leash. I like leash. What's that? It's like a non-binary term for a girl, guy, princess. Okay. Hold on. Okay. I'm just, let me, let me, okay. You're very emotive, very excited. I appreciate it. I need to like come back down to Earth real quick. Okay. So we struggle paid with a rent, even though that's about a week's worth of your income, just a little bit more than a week. Well, the electricity of those is what's kicking my. Yeah, but you just said it's variable. You said that's including utilities sometimes. Or, well, it is including artillery. It is.

So is it including electricity or not? No, because the electricity comes. Do you know what utilities are? What are you saying? Okay. The 950 comes from my second paycheck. Because my second paycheck. No, no, no, no, no.

The rent that comes, the $9.50, you said that includes utilities. But you're saying not electricity? Not electricity. Electricity is entire because it comes from the second paycheck. This is the first, so the first paycheck. Oh, that's where we're starting. We're starting with that kind of mindset. Why would we not include electricity and utilities?

Because I don't include it in my, in my second. Like that is like, so the way I budget mentally is my first paycheck is electricity. Because my first paycheck is like my flex paycheck and everything like that. Flex paycheck? So like if I want to get myself a little treat for the month, that's why I have that paycheck I do that with. Instead of rent. Well, that's the second paycheck because the second paycheck is all rent. So electricity instead of.

Electricity's first paycheck. But you said sweet treat was first paycheck too. It's both because first paycheck is like, I think right now it's- Wait, why don't I set yourself up? You could be good for the month. though. Because I just paid it. I just paid the rent for the first paycheck.

No, you said first paycheck goes to electricity. Second paycheck goes to rent. Yes, because electricity, I mean, first paycheck is, fifth is $1,200. So electricity is only like $100. So $100 of $1,200 and then I have $11. The $100, a hundred, hold on, just to confirm. I want to make sure I heard this right out.

You're a Rambler. I was tuning out. It's okay. $100 goes to electricity. Yes. That's what you're freaking out about. It's $100. If you're freaking out about $100, we have more problems.

$100 is not an insignificant amount of money. I don't want to be clear. You can get a lot with $100. But that if we are make or break on life from $100, there's much worse happening. It's more the second paycheck that fuck me up a little bit. You were just complaining about electricity. You said the issue here. Electricity is way more than it needs to be, I feel like.

Like electricity should not be like $200 bucks a month, I feel like. Should not be. it should not be. You mean entitlement? Are you saying what? Like I'm saying I'm overpaying. That's what I'm saying. I feel like you're probably paying on what you use.

I don't care. Listen, that's a completely different conversation. The electricity is used. You pay for it. That's what it is. But you were complaining that the issue that you're dealing with was the electricity. It was $100. Not insignificant to be clear, but not to make a break for your life.

You complete that in a day. You make that in a day. I do make it in a day. I do make it in a day. the day, but I just, I feel like the way that my brain works is just, what? I don't know. It just feels, it feels, it feels not right. It just feels like I'm overpaying for that.

But that's not the make a break, though. You said it was the make a break, essentially. The maker break is the total amount that I pay to live. I feel like. Which sounds like a thousand fifty. Yeah. Even still, that's not the, like for Dallas. I still feel like it's not the craziest.

I think it's, sure, it might be a lot. Listen, a lot of money in terms of percentage of your income, potentially. But the thing is you could afford it. That screams to me that that is not the issue. And there's a much larger substantial issue in your life and your finances and your spending and your management and your lack of budgeting and your ability to survive like an adult who knows how to look at their money and see where it's going. I don't like looking at my bank account. Okay. I hear that all the time.

Why? Because it's, okay, so it's like when you're a child and you get scolded for like doing bad choices. Uh-huh. I don't like looking at the bank account. That scolding doesn't compound, though. It's not like if you do those bad choices and eventually they catch one at the end, you get all the other bad choices plus more. This compounds.

The less and less you look at it, the worse and worse it gets, meaning the anxiety is building because you know it's only getting worse. It's something you have to confront. That's why I don't look at my grades when I was in college because I was afraid of- Actually. Yeah, I didn't look at my grades because I got so terrified that I was doing a terrible job. Why are you here? Why are you here?

I am here because I have gotten a lot of money recently from my streaming. services and I don't know what to do. Really? Yes, I have actually. Streaming services. Yeah. What do you do? I am a contact trader on Twitch. Uh-huh. Okay. Any specific niche? Gaming and slice of life typically. Okay. I don't play a lot of video games. My video games have been like mobas, if you will. So I'm branching out to single players and a lot of people like that. Okay. And we don't a lot of people to come on to plug their things. That's why, you know, using a fake name and there's no socials linked. So like that doesn't matter. So you got a lot of money and you're wondering what to do with it?

Or was it like a lump sum? Like you had a really good month or things are ramping. Things are ramping. What are we talking? Like these last two months have been close to a thousand. The first one was 970 and the last one was a thousand. You really set me up for a much larger number. Come on.

You know you did, right? Maybe I teased a little bit. But it's a lot to me because I mean that's like an entire paycheck right there. No, no. I get that. And it's not an insignificant amount. Yeah. But when you say I'm coming into a lot of money, we're probably thinking like tens of thousands.

No, it's like a thousand. Well, that's great. I mean, that's good for extra supplemental income for something you probably enjoy more. Yes. Okay, 40 hours a week on that other job. How many hours a week on the Twitch stuff? Probably close to 40. I'm definitely working.

As long as it's growing, what is like the percentage growth month over month revenue wise? I don't know off the top of my head. I just know. What's the to what? So, okay, this one so far, it's your projected revenue. My projected revenue is close to 600. Because that, because... You said you have what?

So you're going down. Well, no, because the last two months, I was doing a birthday thing. And I kind of overspent for my birthday stuff. But that is what it is. Oh, I swear. I'm a giggler. I'm sorry. I swear.

Every person. You just start seeing these. You got to. Hey, yeah, by that one second. I'm talking. I don't get it. I'm talking. I swear, all these people that just have these financial issues.

These dots connect every single one of them What is this obsession with like birthday months and all this bullshit Who cares? Set yourself up for any success in the future How about that? Okay, so I do set myself up for success Because yeah? Yeah, because before when I get- Does you have like a thousand hours in retirement?

No, no, no, actually I have $1 in my 401K. Thank you very much. Okay, come on, don't be a dumb- What do you mean? Okay, but listen, listen, I, I... Are you fucking with me? No, I'm not. Because I put,

when I get my paycheck, because I know I overspent, I send my roommate the money for rent. So that way I know I don't Do you watch a show a lot? I've watched a couple episodes, yeah. I feel like you just mimicked me. What do you mean? Okay. Um, so the supplemental

income. Yeah. What have you done with this? So what does the birthday thing? Okay. I spent $400 on a piece of art. Yeah, but I'm confused. Again, the income from Twitch went down. Yeah. 1,000 to 600. What does I have to do with the birthday thing? Because I... Are you donated more for the birthday?

Yes, because I did birthday. Okay, so that's not done any skill of the content. That's just a unique situation. Before that, I was making like $100, but now the birthday thing is over. Okay, what's your concurrent viewers on average? On average, I, 25 to 30, depends on. Okay, they're just high donators, high subscribers, very passionate. Yes, and it's a lot of people hear my story and they want to help me out.

Okay. Well, that's cool. I'm glad, I'm glad. So what is going on right now with your debt, with your finances all around? The little more is coming in. Okay, wonderful, good. That is not a bad thing. Utilizing it and putting it in the right place is what matters.

So what is going on? What are we looking at? My biggest thing that's eating my... Right now is my student loan debt. Like my private student loan dad. It's a... Yes. It is my...

I think I had private student loans. College Avenue is what it is. head and uh and that's that's the government one yeah yeah yeah because that my APR oh my APR is at 14 and I am yeah that is what is eating my life right now yeah no that is what I'm freaking out about because that is that that payment is due I deferred it for six months again because I didn't get the promotion yet and I was still living on 1675 oh for sick what did you go to school for I didn't finish college. What did you go to school for was the question?

I went to school for business, for marketing. Okay. How many years did you go and where? So I started out with at Baylor University. And then I went to, I went back. I failed out of that year. And I went back home to do. So I didn't want to go.

I knew I shouldn't go, but I am a little like, I'm a people loser. So I gave in to pure pleasure of... From who the fam? Yes. That's crazy. One of the first few episodes we ever recorded someone was peer pressure to go to Baylor and it completely f***ed their life.

Oh, it did. Luckily, you have a lot less student loan than them, but it ballooned. My mom took a lot of that debt. My mom took a lot. Really? How much does she have? She has 30K from Baylor. And I took out, I think, 10K for myself from like the, because I know with students,

they do a little thing where like you get your own personal debt and everything like that. So I took out 10k with that. So that's what the other student loan is for. And then I went back home because I graduated in 2020. I graduated high school in 2020. So, 2020 was to begin with. So that's your big issue then? Yeah, is student loans. Okay. Then why possibly? Why possibly? Would $416 go to going out to eat a loan? One category out of many a bullshit. One thing that could be going to compounding that payoff of the student loan debt. Private student loan debt. I like food.

That's not cute. That's not funny. I love food. It's nice because it's like you come home from a day of work and you just want to eat food because it like warms your soul. It's like soul food. I need little trinkets in life. I need little pleasures and stuff like that. I feel like, are you joking?

Is that a joke? No. No one talks. like that. I talk like that. No, you don't. I do. So you know I'm all about helping you avoid messing up your finances. So let me tell you about the FIS card. If you're a college student or you're just not a credit card person, listen up. FIS is a total game changer. It's a debit card and it's the best way to build credit and budget your money. With FIS, you're not dealing with any hidden fees, hard pulls, and no interest rates that'll eat you alive. It's just a debit card

that builds your credit without costing you extra. And here's the kicker. Fizz links to your bank account and sets a spending limit based on what you actually have in there. So no maxing out on tiquitos or impulse buys because Fizz keeps you within your means. Fizz doesn't just help you with better budgeting. It's legit credit building plus you earn cash back on the stuff you're already spending money on. So if you're ready to build credit the easy way without stress, debt, or hidden fees, check out Fizz at joinfiz.com slash Caleb or in the link in the description below.

And as a bonus, just for my audience, the first 10,000 people who sign up and use code Hammer 10 get a $10 sign up bonus. Check out Fizz today and let me know what you think. I do talk like that. This is how I talk. This is me. This is my life. And I love food. I love food so much.

Well, clearly, but so do I, clearly. The thing is, you said the student loan thing was the major issue you're dealing with and that I say you could be putting more money to it. And then you say, I like food. If that is it, that's the end, right? Well, wouldn't that just be it? That's the conversation. They wanted more. So my minimum payment for that student loan was $300.

Good. Was $300 a month. Good. They want more good than you pay it. My interest alone on that loan is $200, if that. Good. Then pay it. I'm not saying you have to deal with that.

I'm not saying it's exciting that you have to deal with that. deal with that, but that's what it is. So you deal with it. And you don't say, I like trinkets. I like food. I say good. That's my life. Let me go ahead and sacrifice temporarily so that I have a chance for a better life. Do you have anyone dependent on you? Do you have anyone in your life? Are you with someone? It's me myself and I. So okay. You know your trinkets. Okay. Well, they'll be very sad when you're dying in poverty. You have to throw them away. They would be sad. But I want to give you a real thing. Real thing. Oh, you just feel like a joke.

I'm sorry. Not as a person. No, it's okay. I like being a joke. My, I was a joke for a lot of period of my life. Okay. All right. Let's, I mean, we're talking finances.

I'm sorry, but I don't know. Well, I mean, I got coddled a lot. like in my adulthood. And that's one of the reasons why. My ex typically. Your ex. Okay. Yeah.

A lot. So when I moved, because I failed out of Baylor, came home, went to community college, and then I moved out to Arizona. He coddled me a lot in that aspect because I was- Doing what? I was going to school again. Yeah, what was coddling? Come on.

He would pay my rent because I was not making enough money to live in Phoenix. Because my rent was $1,000 a month. Are you working? Yes. I was working at Starbucks. I was not kidding 40. was a week though. Not getting? Because Starbucks would not...

Okay, so he was helping subsidize. That's not necessarily... He was paying for the entire rent, typically. Yeah, but it's weird that you're blaming his past action for you. I get it if it was enabling bad behavior, but I don't necessarily know if it was because you were working, and it sounded like you were trying to get more hours,

but you didn't have the job, so I don't know what you're talking about. It sounds like you're just trying to take an excuse for why things are bad today and why you're not doing well now. I think... I think he is to blame. I'm going to be honest with you. is to blame. The fuck are you?

What do you mean? Do you have no ability to self-reflect internally and take any kind of responsibility? We barely even looked at your numbers yet, but that's insane. I think- What, and X? Again, when did you break up? A year ago. Okay.

I broke up with a year. I broke- How long were you guys together? Five and a half. What other coddles? What? Five and a half years. What other coddles?

He paid for a majority of our life when we moved in together. Like what though? Like, he paid for all of our food. He paid for- So needs. Okay, but you're working. You're going to school. sometimes that happens.

I want to hear why it was actually detrimental to you. I understand if it was enabling bad behavior, but you're not making it sound like it was necessarily. It was detrimental to the fact that I never learned how, but like I never knew the value of the dollar. I didn't know like how much. Yeah, but you've had a year now. Why haven't you tried to learn anything?

I mean, I... Are you saying did he coddle all the way up to the moment you broke up? Yeah, because I mean, I felt shit about myself to the point where like, everything I have notes that you got your boyfriend in Xbox and used payday loans for it.

Yes. That's not your boyfriend coddling. That's you being a dump in borrowing payday loans for his Xbox. Because I felt that way. I have notes here about this. I had to scroll down and find it

it's deep in here. These notes aren't even like for me. This isn't for me. This is them taking notes for themselves. Like I don't go deep into the depths, but I know you were calling bullshit. You were making bad choices in that relationship.

I know from the conversation. you had based on me digging deep here. But you just want to blame it completely on him. That disgusts me for like the rest of this conversation. That just suggests to me that, oh, we're just never going to take responsibilities for a single thing. You're going to marry him. Okay. Well, this one's interesting.

He was a feeder. Yes. So at like, trying to get you like bedbound. I weighed for, or I've lost 50 pounds. Oh. I've lost, no, I think I'm pushing 75 now, but I've lost like, oh, that's great. I was pushing 300 pounds. And now I'm teeter tottering on, on 200.

I'm about to be under 200. And I'm so freaking excited. But he, like, I mean, he would come up and ask me at like 2 a.m. Do you want McDonald's? And I'd be like, yeah, let's go. Or say no. That's not feeding. He asked if you want food.

I was so, I was so depressed, Caleb, that I needed. Hold on, but that sounds different than someone who's like, just like endlessly bringing food. He came to you and said, do you want to go, right? No, DoorDash. He would do you door dash because he would. Yeah, but did he dooredash and then give it to you? Or did he ask, hey, do you want to order some DoorDash?

I'm getting food. No, he would doordash and give it to me. Okay. Well, that's different. You made it sound different. Okay. But he would constantly like, let's go get food. All of our dates was let's go get food.

Let's go do this. Let's go eat food. I'm the type of person where I want to go out and do activities. Granted, I can't do it now. But like. Activities? Well, I can't do activities now. Because my final-

You need free things? Go to a park. Have you ever heard of a park? There's trees. It's great. There's water. That's okay. But like-

Wait, you can't go to parks? No, but that's not entertaining. It's not like I... Well, you got to find some value in the happiness of just nature. But it's not like flashing lights like an arcade or something like that. You know what I mean? It's not... Yes, park is free.

Go to the park in the wintertime. There's flashing lights everywhere. Ho, ho. Okay. But he... So you're blaming all this on him. The feet. thing definitely sounds weird and I'm taking your word for it.

Well, okay, you've been apart 50 for a year and you've lost 50 pounds, which is incredible, or even 75. Incredible. If you've improved that part of your life, why are we improving this part of your life? I feel like I am because I know that I have a problem. I'm aware I have a problem, which is one of the reasons why when I get... No, no, no, no, no, no, no, no. When you're aware, you have a problem, you don't spend $450 going out to you, which is already bad for you because it was already bad for you in that relationship. And you put it towards student loans that you said we're holding you back specific.

the private student loans because they're like 14% because you went to Baylor. You know what actually happens? I'll give you a real world example. Again, this is one of the first few episodes that we uploaded on this channel. She went to Baylor. She didn't want to go to Baylor. Her parents forced her to go to Baylor. They said they'd pay for the whole thing.

Your parents didn't do that from the sounds of it, but okay. So she went there because it sounded like, okay, this is where they want me to go. They ended up not paying for her. She ended up taking more student loans than you about double. But guess what? Because she couldn't afford to pay for them for multiple years. They went from like $80,000 to $250,000 dollars of high interest private student loans. That'll never be forgiven.

that'll never be a go away via bankruptcy. And that's where you're headed if you continue to spend money going out to eat instead of putting it towards the student loans. They wanted to raise the minimum monthly payment so that it would actually start going towards the principal a bit more instead of just the interest. Good. That's beneficial. The minimum monthly payment was right off the bat. Like I haven't paid anything when they called me. You haven't paid anything?

No, I haven't. But I mean, when did it start? When did it drop out of school? This year. So my, I think, I can't remember what the six-month period. period it's called. But that started in September. My first payment was doing September, but I did

the deferment. Oh, you got an extra deferment on top of that? Yes, because Oh, but the interest is accruing most likely during that. I know, but I didn't. You're headed into that same situation that that guest had. It's like a full two and a half year reunion with that guest two years before. I didn't know. Like, I knew, but I couldn't afford it because it was like I

had to. Why? What were you doing during that time in September? I, I, I didn't, I didn't I didn't have. I'm still making 1675. So I didn't know if I was going to be able to budget it in. Go ahead. Go ahead. Go ahead.

Why don't you? Why don't you? Where was a lot of your spending? I think a lot of it was in a checking account, right? A lot of it was in savings. Let's go ahead. Show me your checking. Huh?

A lot of it was savings. Okay. Go ahead. Show me your spending account in September. Let's see. Let's see. I'm going to see what it looked like because you were unable to make a payment. Let me see.

Let me see. I would be very curious because, again, so far, it sounds like victim of the world. So let's see. Completely out of your control. September couldn't make any payments, right? Let's see. Let's take a little look. August.

Let's take a little peek. Okay. I changed to August. No, because I started, because I started, because it was deferred because the first payment was due at the beginning of September and I didn't get the promotion until September. Let's see, August. Let's take a little peeky, a little August peeky. And screen recording will censor things, just like in your regular statements.

I can't remember because I switched banks. So I don't know if it was in. No, go ahead and take a look. And you're spending an account while you're doing it. I want you to give me a 0 out of 10. Where do you think your finances are today? Zero being the absolute worst, 10 being the absolute best. I'm seeing a 1 on your lips.

I'm one. Okay, if you want your Hammer Financial Score, it's free, it's fun. Go ahead, check it out. It's link in the description below. If you want to be on the show, I would love to have you here in Austin, Texas. We reimburse travel and all that stuff. Go ahead, go to Calebhammer.com slash apply. Super fun, easy application.

And then you get the talk and hang out with Lindsay, and she's like the coolest person in the world, and then I'm going to yell at you and punch you verbally. you know, it'll be wonderful. Did you find it? And then Jake is there too. I can't find it because it's just like more account management maybe. This is so much easier on the web.

I'm sorry. This is why I don't like the phones. You're going to give me time for a whole other ad read. This episode is brought to you by learning how to use a smartphone. Guys, starting in this upcoming Monday all the way through December 6th, we are 33. percent off our entire class bundle. Also 20% off everything else, including our merchandise. I've also added four brand new sections to our budgeting class, cementing it as the best

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Mobile. They actually are good. But there you go. You can check off your bingo card for the episode. I think. Can I just show you like the transactions? Does that work? Or to say what do you want? Yeah, yeah. Oh yeah. Transactions is fine. Okay, so I will start. I think you want me to scream record? Oh, yeah. Guys, course careers is having a Black Friday cell right now. You got to check it out.

A lot of people in the audience took advantage of it last year. Help their resume. Made more money. Oukidoaks! We're back! We're back! The extended egg and said man is done. We went to Panera.

Guys, I'm good thing we went to Panera in Kava and the colony. And it's like not fully... Oh, did you scroll to the bottom? I don't have the beginning. This is only starting mid-August. Yeah, because I don't, I don't spend at the beginning of the month. Because how my page. Oh, you do this is so weird.

Okay, I got you. I'm sorry. I don't apologize to me. We got tacos, Dutch bros, an Apple subscription of some kind of winning. I got a drink from 7-Eleven. We're zining up. We got some best buy. Tropical smoothie, Amazon, Tom, Thumb.

No, you did not have to take a deferment. All of this stacked up, you probably could have made a minimum of payment. You got DoorDash there. You got Amazon there. You got some more Amazon there. So a lot of that was probably. No, we've literally only progressed two days. Star donuts, McDonald's.

Okay, okay. Freeman G. What is that? Let me say. Oh, Chick-fil-A. DoorDash! We're back. Good, $30.

Guys, we have to do first. We're going to pay these, and we're going to allow interest to continue. But let's get DoorDash because we're four. We don't want to leave the house. $120 sent out there. We'll obviously black out that name, but Crush Taco and Sonic Drive-Thru. let's get real food. Surprise you're eating like this and losing weight.

Good for you. I wish I could eat like this and lose weight. If I touch a calorie, I gain 100 pounds. I stopped eating sugar. $27, I guarantee you the sugar and all this fast food you're getting. $27. Twitch Center. Great.

Wendy's, oh my gosh, we're still barely through the latter half of mid-August. Starbucks, Sonic, Waterburger, Amazon. This is crazy. More cova. I canceled my Amazon account because I was spending too much money. Congratulations, but guess what? You defer to the loan as well doing this. Apple Bill, Sonic, Netflix, and I am not, Canva that time.

PayPal. Oh, that was PayPal in that time. McDonald's. PayPal out. PayPal out. So that's all of my Twitter stuff. Oh, that was Twitch. Hey, aye, aye, aye, aye.

I'm sure you're even breaking even with it? You spend so much money. Ugh. Five or out. Okay, come on, that was $138. So you're barely bringing in any money from Twitch. I'm glad you're bringing in supplemental income from Twitch, but the amount of money that is going out for Twitch, another $45 there,

and then all the extra things surrounding Twitch is crazy in the Canva. I'm sure that was associated with that. And Sonic and Etsy out. And Zalien out $10. Zelling out $45. And right around there, that's where your deferment went in. That's bull-uh. You decided you wanted to live fun, have fun.

If you deferred because you could not survive, I would have sympathy. But the fact is, I don't even care if you take deferment, whatever. It's not the action of taking deferment that I care about. It's the fact that you're aligned to sit there without paying any balance and the interest is accruing at 14%. And I've seen someone in your exact position from Baylor with private student loans who got it to $250,000. I want to be surprised if they're not like $350,000, $2,5 years later. You're going to end up there. You are going to end up there and seeing you're a human being that exists on this planet.

Seeing you get to that position when you do not have to, but you choosing Taco Bell or whatever and DoorDash $30 over actually, any kind of progress in trying to live a better life and have even more independence? Because guess what? Let's pretend that last relationship. It was full hand owning you, all that kind of stuff from kind of how you made it sound. Let's just fully take your word on that. 100% victim was correct. Okay, you know, like the victimizing yourself was 100% correct. Cool. Cool. Wonderful. How do you get more independence and never have to rely on anyone or ever get dependent on anyone? You get yourself out of this debt. But you are not choosing that. You are choosing Taco Bell. Ring ding, ding, ding. You're just Winging that bell every day of your life throwing it down the throat whilst losing weight.

Congratulations, I'm jealous. Crunch rap Supremes hit hard. I'm sorry. They do, and they hit my fat hard. Somehow not you. But the thing is, you have the chance for the better life. You have the chance to not be dependent on anyone else again, but you are choosing no. You are choosing my future.

I want to enjoy the goods now, my trinkets, my fast food, my whatever. Because, I mean, now is guaranteed. later is not. Yeah, but guess what? If later's not guaranteed and you die tomorrow, you won't know that you had sacrifice or if you had fun. You won't know. Even following, let's pretend,

let's follow most religions, even then you don't, it says that you don't know the majority of stuff that happened in your sentient life here on earth anyway. So no matter what happens, essentially based on your beliefs, it doesn't matter. So bet on the higher statistical chance that you're going to be here tomorrow

and sacrifice for it. Because you won't know if you had fun and you won't know if you sacrificed either. Okay. But fun. Okay. Now, see, are you trying to be a little cheeky, a little fun? You're a little silly guy.

Stop. You're not. Stop. Stop. This is your life. You're, what? I like having fun. This, this, this, this, I don't care.

It's hard. It's hard to be better when you, like, old habits die hard, I guess. It's really hard to try to be. Then you don't care. To an extent I do, I feel like. Yeah, but you care about Taco Bell and Door Dash more. Because I want to feel okay. If I don't feel okay.

What's okay? What is feeling? Okay. What about safety and security, not having to depend on anyone ever again? That feels better. I guess. You're together five and a half years and you had to fight to get away. It sounds like. Cool. So if that's the case, why set yourself up for a higher likely chance you would be in that position again? Instant gratification then. Call it what you will. Okay. But I, it's hard to see it the future because it's, I want instant gratification now. Yes, we all do. We all too. But when I got out of debt, which was,

similar debt to what you have, I put that aside. And my life is so much better now. I can see how it can be better, but it's... And you'll have amazing Instagramifications when life is better, I promise. It's a relatively temporary sacrifice. Let's start with this Discover card. Okay. On here, you owe $1,368.

I think your private synonylons are a couple documents in. We have a $49 million. minimum entertainment for your income these minimum monthly payments are going to stack hard so i typically pay right now it's actually down it's at a thousand right now spent two thousand dollars in the last eight months on art for twitch i did for twitch but you've barely made that much you just got lucky these past couple months because it's your birthday and you have a dedicated fan base which is awesome i love that for you and good for them as well of being so kind but come on what can art what are you kidding what do what What do you mean spending on art?

What are you buying? What are you doing? My model art. She looks hot as f- But I like-model? What's a model? So like I am a V-tuber. So like the model art moves-

So it's not even you. No. It's of my model. Who looks hot as f- Okay. We're not going to show it on screen, but can I see? Yes, you can.

Do you want to see right now? I would like to see right now because I can judge hotness. Do you want to, I'm going to show you. This is going to be good. There is involved? I can show you one with.

No, okay. Do you want to see one with Buhr or do you want to see with butt? I'll let you pick. Are you a guy or are you a butt guy? I want you to give me what you think. Okay. Sure. I guess if I found cartoon characters, I can't, that doesn't excite me.

I'm sorry. Well, then that's, that's on you. But it is on me. See, yeah, the butt doesn't do it either. It's a cartoon butt. It's a very animated butt. Yeah. Like, well, that doesn't, you know, okay.

Yeah, no. You know, we save the gooning behind the, our YouTube membership, typically, if you, if you're a fellow gooner like the rest of us. I am a fellow gooner. Okay. Clearly. You can't afford it. The thing, those two pictures, a little bube, censored, by the way.

It wasn't even real. I had to pay for commercialing fees because I am opening a merch shop tune. So I have to pay for commercially. What are you paying? My artist. Like, I have a personal artist. What have you made net? Like $5 in the end?

So for this, I haven't heard it. It's soft lunches next week. But I don't know. But based on how much interest. it is because I did like an interest check and everything like that. Of the 24 people that show up? So it's consistently. I know.

I know. Because it rotates. Like not every point of it. I know. We live stream in our YouTube membership. I get it. So I'm projected to make about 600. I think.

I need to look at the numbers. Mind you. You spent 2000. That's not all in the all in the commercial art though. Because I spent that is also on my model, which is a lot of them. Do you sound like this when you're V-tubing? No. So you have like a voice modifier?

No. Oh, you mean like, I didn't know what she meant. I thought you meant like my dialect or anything like that. No, I sound like this. This is how I sound. What's, because people like different dialect. People talk different.

You get like a British accent all of a sudden? Sometimes I do. You know what I mean? Okay. Stop. It's a terrible bridge accent, but it's an accent. Stop yourself, please. With the sake of my sanity.

Thank you. They're typing tomato in my chat with them. Tomato. Boo. Tomato. No, like boo. Oh. Like, fuck you, boo.

Stop. I think I'm doing a great job. No, job? This isn't a job. My accent. This is not a job new. Oh my gosh. Okay.

You're turning me into the, I've been on your side. You're literally, I'm going to start not liking you. Please, I do not want to have that feeling. I'll stop. I'll stop. Again, you are a person that exists. I've seen people who get in the situation where you're headed to. I want to prevent you from getting there.

Okay. And I take this very seriously. And I know I'm intense, but I take this very seriously because I want you to have a better life. But if you're just around, I'm not recording this. I'm not filming if you're fucking around. I'm not I promise. I pinky promise. I want to touch your V-tubing pinky.

So, 1368 dollars and 22 cents on here. $49 minimumity payment, please. $145 of purchases. Meaning your balance went up, even though it is accruing interest. So, mind you, here's some bingo financial

audit. It's a credit card that you can't fully pay off. That's accruing interest yet you decide to purchase on it. Go ahead and walk me through your logic there. Please, because there's none. So I had an event that happened in October that I didn't have to make purchases. Yes. However, what was the event? It was a event in the DFW area that I was a content creator for and I got, was like featured or whatever. Okay, so you should have been paid instead of sending money. That I purged just because there were little trinkets. Thinking about GLP1 meds like OZempec or Wigovi, then you know the struggle of dealing with insurance and endless appointments.

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I have some barbecue catering. That was when... That I have specs, then I have specs, and then I have Amazon. So that's not all that. The food, because they wanted to go out to eat after the event and everything like that. Huh? They wanted to go out to eat to barbecue after we did the event one night. They who's they?

The people who invited me to go to the event and everything. They wouldn't cover your food even though you invited you to go to the event. What are the fuck are these people? No. If you're listening, stop being bad invites. Well, I mean,

it's, I also struggle with people paying for me as well. I don't give a fuck. Why? Because I don't, I think it has to go back to like being financially like depended on him. Which I know, I mean,

based on finances, it's like I'm not doing well for myself. But like I don't want to go back to people. I get it. But you know that's different. We can separate it a little right. Yeah. I get this probably a little trauma surrounding that relationship.

Yes. I guess. I get it. I get it. I get it. And then just liquor for days and liquor for days. I don't normally. So the Amazon one was for the business stuff. I didn't get it. And then went inside Texaco and got some bull. I did get bullshit. I got a monster, which I have been doing better on because what I do is I now bulk buy instead of, because if you go to the gas station, it's like $8 for monsters or whatever. So instead I go to Kroger and I get a 12 pack of monster for 20 bucks. I don't care. You went and did it. Okay, but like I'm doing better. I feel. to like?

It's not reflected in your statements. Anyone can say anything. Okay, that's fair. But like I... Yeah, it had a 24.74% interest rate. Oh, that's how much that was. What? I don't remember how much my interest rate on my discover.

Okay. Capital One, what's the balance? Because you provided like screenshots of your purchases, but not a balance or interest or anything. Oh, no, I should have did that. But my balance is currently... There is a pending payment right now to pay off the card. So it's completely.

Really? Yeah. Because what I do is that I'm switching everything over to all of my stuff that I need to pay for Twitch. That is all going to be on Capital One. So what I'm going to start doing since I'm making enough money is I'm just going to pay off that card every single month. So right now.

Jake, did you have a balance? Okay. So do we just treat this like paying off then? It did say on the court that there is a balance of a hundred bucks. Because it's paying now. It's like I literally paid today. Okay. What was the balance?

I want to make sure we actually made substantial progress. It was 300, I believe. Oh, okay. Listen, and that's not, it's not, no, good job paying that off. That is showing a little bit of discipline there, specifically with that card. Gosh, but compare that to like the $1,368 on that other card in these student loans. I really thought when we pay it off a card, we like paid off a card. So when I pay off Discover, that will be a big win for me.

because I've had that card since I was 18. Okay. Gosh, I'm sorry. Sorry, I don't want to take away from that win. I was, I kind of like when you say, I come into a lot of money. It was like, well, I paid off this card. Woo! I was like, but okay, $300.

Okay. So you put money on here to spend it off. It's okay. If you want the little extra safety, you know, dude, use the FIS card. It's a debit card, but it builds credit. So you get the same kind of things, but you're not going to overspend on it.

It's been more money than you have in your checking account. Valve is spending in there Humble bundle Oh wow I haven't heard of that in a bit DoorDash we're still door dashing Stick listen here's the thing You're right you put it on this card You pay off this card

Congratulations that's wonderful But guess what we still have the Student Student The movement It was funny I'm excited You have the student loans To pay off

Even if we're putting the DoorDash on the card That we're paying off That is still $30 that you were paying off Towards the card That could have gone to pay off The Frient loans that are accruing at a 14% interest So it's still not a good purchase.

Amazon, I need to look at your Amazon. And then Sonic and Sonic and Zone Noodle. It's all bullshit. This isn't Twitch, Spending. What are you talking about? Well, this is, this is this month. This is me switching over. Because as you can probably...

Great. So it wasn't, what's actually going to be different other than you thinking that it's going to be different? Well, because I have to close my Chase account. I have to... Why? Because I don't want to be with Chase's because with Discover checking, they pay you early. Oh, come on. That shouldn't be.

the thing. But this shouldn't be the issue. I don't want to have... Listen, if that's the reason, then again, is stemming from just financial... Inability to... Not immaturity, but inability to a manager of financial... Maybe financial immaturity.

But, like, getting that pay quicker, like, a day or two early, that shouldn't be what's making or breaking us. If you're managing a budgeting... Go through our budgeting class. You get all three of our programs. You get them for free. Go through the quizzes.

Do it. Do it with your family if you want to. I don't give a fuck. Right now they're all bundled together for 10 or 15% off. I don't remember what we decided, but check it out. But come on. Like, obviously with the Chipotle and the Dickies Arena, tropical smoothie, go inside and getting some bullshit tacos and Chick-fil-A.

That all, even if paid off on the car, could have been going to the damn student loans and prevented you from turning like that guest that was on the show two and a half years ago. The Dickies Arena, that was a purchase for my sister. My mom paid for it. She gave me money on that. Okay.

That's fine. I'm okay with that. Yeah. I don't know if I would put it on credit cards, a little risky. What if you don't pay it on? Yeah, yeah. True an interest. Maybe some business purchases.

I don't know. Like office, who knows? Okay, so this is the big guy. This is the big dude in the room. Chris, he thinks it's about something you can deal with. Really? he is. As far as student loans go, 28,961 is not... Look at the starting balance.

Listen, I get it. It started at 22. I've seen worse on the show. I'm not trying to diminish this. But the thing is, I think the average person walks away school 40,000 hours of student loan debt. I don't have a degree, though. That's the thing. I know, I know, but walks away. 40% of people who go to college don't graduate. So I was one of them. But, you know, as far as like, you made it sound like this indestructural.

flexible force. Where it is statistically, if we put it out of the scale, it's pretty darn in the norm. The interest rate is rough. Don't get me wrong on that front. But the deferment when you could have paid on it, we know what was the minimum fee payment at that time? $300.

You could have paid that. I saw $300 of purchases times to minimum. And we already know you spent $400 on going out to eat. So I don't give a fuck you. You're doing this to yourself. You're destroying your life. That's your choice. So you're acting like this is much bigger than it is.

It's not insignificant. against and it might feel like it has feelings. Sure. Okay. Great. Because that's what's, you know, making or breaking. Our financial situation. Because it's the actual number.

The, the, everything feels like a giant mound to me. Everything feels huge. And just looking at that number because it accused so much over these last year. It did. Because you chose not to pay on it. For this, this is a couple of months. I'm going a couple months into my number. Yes, but that's a couple months of no money going towards it at that 14%.

That's insane. Let's see. Come on. One month, almost $300. of interest is accruing. It's eating my ass like I said. Okay. No more tongue destroying

conversations. We don't need to have that. That's fine. Listen, the thing is you're just, I don't know, you're making it sound indestructible. Like you have no control over this.

And that is victim mentality. And if you have that your entire life, you're never going to conquer it. You're never going to conquer anything. You're never going to be able to retire. You're never going to have self-control. You're going to end up in a relationship like that again. Like, if everything is beyond your control,

that's where you're going to end up. You're going to end up at the. bottom of this mountain that you're afraid of. Constantly, you're never going to make a single step up. Maybe once you go up is shorter than it seems. You don't know. In fact, it is because, again, even still, this balance, after all the interest accrued and never making any progress towards it, it is still over $10,000 less than I think the median person borrows when they go to college whether or not they graduated or didn't. But I don't think my salary reflects, like, paying it off quickly.

Like, it's just like, because it's going to. Sorry. Again, I say that for whom. You're good, you're good, you're good, go for it, go for it, go for it. Go for it. Go for it. Go for it. I'm ready. I'm ready. You spent $400 going out to eat. So salary, we're fucked. We know you could have put an extra $100 more than your minimum fee payment if you had your minimum payment on it. This is your choice. Yeah, exactly.

Yeah, we're starting our lives. It's a funny joke. It is a funny joke. I mean, life is a funny joke. What are you talking about? Well, because it's, it's, I don't know how to deal with that. Life is a joke, I feel like to an extent, because sometimes I feel like it's not real. You know what I mean? I feel like you're just endlessly deflecting with humor. Like you have no other coping mechanism.

I don't. You're so right. Other than just like, our life's a joke, whatever. I don't have a joke. And again, that with assuming that this is indestructible and you cannot conquer that, you are never going to get anywhere with that. Never. Well, then let's change that.

Well, I would love to. Participate, please. And that change would be good. I mean, you're making it sound like you can't do this, but I know you can. I think I can because I feel like I want to make my life better. I feel like I do. And I think I can because it's- What would make your life better?

Paying on that loan. Why? Because it's not going to keep incurring rate after like 300-com. Sure. What's better about your life not having this debt? Being able to buy a house soon. A house. A house.

We want a house. I would love a house. House is great. I would like to be debt-free by the time I'm 30. You can do that, I think, unless there's something here I don't know about. No, because the only other thing that I feel like would be significant is my car loan, but I don't have one.

My car is paid off. Oh, well, okay. Well, that's your car? My car is a 2017 Volkswagen Jetta. How's she doing? She is going to need a replacement here in the year and a half, I feel like. Okay, so we got to essentially calculate $10,000 bucks into that. Yeah, because she's at one, I'm, I'm, with numbers.

It's one five, or no, 138, comma, zero, zero, zero. I don't know how much. 138,000? That, that's how much miles she has on. You didn't know how to say that? No. I think I have the thing where the numbers like to jump around in my head a lot. And sometimes I see the number wrong.

That's probably, yeah. It's okay. You do you. But I feel like that is also, I think I see all of this, right? I see all of this stuff. And I get. Went down two numbers. I know.

But it's still, like I see everything that I have. And I think it's just really overwhelming. And I think I get the sense of overwhelming. That's fine. But again, I want to correct that mindset a little. The longer you let it sit, the more overwhelming it's going to become. May as well just rip that band-aid off. It's going to become even worse.

And we know that because it went from what? Oh, 2020-200 to 28? Yeah. So you know it gets worse. I know it gets worse. Actually, let's just do some basic math on this. Let's just pull out my compound calculator. If I don't pay it for, because my next payment is due in March.

So if I start. I'm just going to say you keep deferring this. this thing, right? Because you just keep saying, I can't make a payment. I'm an endless victim. So, you know, it's absolutely burst. 14% annual interest on this. Okay. Let's just say you don't pay it off the next five years. That becomes 76,000. Holy. Yes, and that's what happened to that other person. She just kept deferring. So it just kept building. Absolutely. And the minimum three payment, it gets worse, $150,000 if you don't pay it over the next decade. That is a lot more than what. If you're not terrified of that, I don't know. This looks.

overwhelming, you don't even know how bad this is going to get. $150,000, that's like, that's like a down payment for a house, basically. Oh, well, that's a huge down payment for a house. Well, no, that's like, that's like half of a house because the houses that are, are like 30. Exactly. 300K. But it's, that's a lot of money. Uh-huh.

Yeah. Yes. That's what I'm saying. So I think maybe possibly cutting back may help just a little bit. But I. A villain laugh. $2,327 on this a firm. Yeah, I defaulted on that.

Oh, for it. It's closed. Does this hold off to collections yet? I think so. No, I don't think so. You don't think so? No, because it's a count. I do have a collection.

Count. No, it's still under a firm. Okay. Okay. Could be go to collections and that'll hurt your credit even worse. And you want to get a house? Okay. Well, that is, so what happened with that is I was still trying to do school and everything

like that, so I try to do that with the dental stuff. Huh? So I just try to do it. a dental program and that didn't work out very well. For sure. Yeah. Why were you affirming things that you couldn't pay? Because I needed an education.

That was the pressure. Why are you affirming though? Because it was a program that costs. You affirmed the program? I did, yes. Were you still in school while doing this program? This was the school. What did you try to do?

So I went. So I went to two different schools. Yeah, get what? Baylor. And Grand Canyon University. Okay, Grand Canyon. And then this was. after Grand Canyon.

Oh, this was a third attempt. Yes. And I did not do well, clearly. Okay, obviously the course careers are going to hook you up with one of those certifications. But, and it's free for you, 25% off for everyone else for Black Friday, but free for you. Grand Canyon University, we owe the, we owe to them. So, I mean, it's 1,361.

Again, not insignificant, but what happened with them is I didn't see when I was signing up for my scholarships that if I failed a class, I would have to owe them back. Oh, come on. Why did you fail a class? We already know you weren't doing anything. Actually, why did I feel a class? I think I was fucking around, if I'm being honest.

Oh, Shogger Houdathon. Yeah, probably. That makes sense. I think I was fucking around a little bit. No, actually, I was working at Target, and I was trying to, I was putting more effort into Target than school. That's what was happening. And I would miss my class time because I would try to work.

So why? Haven't you paid this? Because guess what? It's been almost two years. No, that just started showing up on mine. I, like, I just now started getting calls for it. Calls for it being closed. But I think it's not new, though.

You've owed it since 2023, it says. Yeah. Because they started, what they did is they called me when I was still in my old apartment. When? In 2023. So it was like probably like. So why my question. stands why not pay because I didn't have a job at that point because I I what happened is I didn't

get my full-time job that I'm at right now until February of the year why why didn't you have a job because I was the quote unquote homemaker in quote unquote I was still going in the relationship yes he wouldn't let you work he I wouldn't allow he was wanted to make my life better he wanted me to like because I he wanted trad okay yeah but I'm not a trad person sure why didn't you say that people please her I guess it's just I really really wanted to be something. Well, did you guys talk about it, though? Yes.

Because that's what I'm curious. I don't mean like, why don't you say it if he won't make you? I'm just like, you did talk about it. And he was like, no. We talked about it and we decided it would be better if I say that. We decided. Yeah. So you did?

We did talk about it. Yes. And you agreed. Yes. I am a pushover when it comes to that kind of thing. Did you agree, though? In my heart, no, because I know that I wouldn't be happy as a triad. I would not.

Okay. Because I like to be with people and I like to go out and I like to create things and stuff like that. All right. Grand Canyon is 1,00361. That was probably my biggest. How long have you had a job now? February. Oh, why haven't we paid it since then?

Because I've been paying off other things. Okay. I haven't been going out to eat. Come on. Come on. Come on. Look at the closet. Look at the closet.

Even in October, August, August, when I was looking at your statements, it was every day. This is going on. It was just shoving food down your throat. What do you mean? Honestly, I kind of forgot about the Grand Canyon's scholarship. There is. It's an actual.

Stop trying to make excuses. Upstart. So that was also a, it's supposed to be a student loan. I used it to go to community college. So what happened is I did this program. Oh, wait. Okay. I did a program where they told me to stop paying everything and then they would.

Oh, no. And? And they. Oh, sometimes. Oh, fuck it gets. Yeah, okay. What? Sorry.

And they would take care of it. and deal with the thing, whatever. And then my mother said to not do that and said I should pull out of that. So then I started. Okay. Sure. Yeah. So I started.

That's why there's a dip in my credit record because it went. I was in the 400s. Well, but you didn't deal with it. No, because I let them deal with it. But you didn't. You pulled out of it. So why didn't you then deal with it? Because I don't have that money right now because it's a lot of little things.

Little things add up. Yeah, but this has been for four years. Well, because, no, I was making. the payments on that one for for a little bit I was making the payments well that's 4,228 out yeah team mobile for sake that one was supposed to be closed because that one wasn't me that one was supposed to get it's on your credit dude well no I did the dispute the thing in credit karma where you can dispute it I did it for that and they I guess it's back on so I guess they need to figure out what's going on but that one like you failed

the dispute probably probably so I need to call them and figure out it sounds like you were likely on it I mean when you signed up for the service with this other person you were probably on it which means you were owed it I mean you don't get to get out of it just because of that, because of emotions. That's not how this works. That's not how this is ever going to work. If you signed up for something, you get it still. But I didn't think I owe it on it.

Okay, but you do. But I didn't think I did. I honestly. Okay, but you do. I'm confused. That doesn't. You know you do. I know I do, but I just, I didn't, honestly, I didn't think it came back.

I thought it got rid of it. Okay. Well, only 364 there again. Actually, I think that's the one. No, I paid off a different one because I did have a collection. I probably don't have that. Okay, I paid off one collection. I don't have it because you paid it off.

Okay. Okay. And then we have federal student loans. This brings you closer to that average. So federal, I have been paying on time. So what I do is I get bonuses from work and everything like that. So I put that because it out of side and out of mind for me. I put all my bonuses.

$82 a month? Yeah. I put all of my bonuses in a separate savings account. and this auto drafts from that account. So that way I know it gets made. You can make $82 a month. You can make your $300 a month one as well. They actually budget.

So, okay, I mean, sure. I guess I can give you a high five for an $82 a month payment. Okay. I'm glad you are paying on it. Don't get me wrong. They would have actually like probably deferred you without interest accruing. So what I should have done is deferred? No, you shouldn't have deferred any.

You should have cut back in your wants for, for my sake. 2.5% is shut up. 2.5% interest, 7.4.7% on the highest one. So none of them are desperate to pay off early student loans. I'd minimumly payment until those are paid off specifically. Oh, never mind. I think I have another collections. 364 through T-Mobile.

I already looked at that. I can't remember if that's the one I paid off. I paid off a different one. Because there was two collections and I paid off one collection. Okay. Well, we'll pretend like you didn't since I don't have another one anyway. Is that it? No other debts.

I think that's it. because it's just my credit cards, my student loans, and then, um, can I check credit karma? Is that okay? Oh, yeah. Check her. Have a little. Because I think that is, I think honest to God that's it. Because I couldn't get into my credit karma.

I could be honest. For a fuck, please. What I'm supposed to do if you're not? Because I think. You keep looking. We ended with $152 in our discovered checking you come for a fuck sake. It's better than me. For fuck sake.

Sure, it is better than being negative. But for the sake, that's scary because that leads us to being negative. I mean, it was started with $30. Oh, because this last month was rough. This last month. Why? It was your good earning month. No, because I had to pay.

On birthday month? No, because I had to pay for car insurance. I paid, I prepaid for car insurance. Oh, okay, listen. And I think most people should. But even if you pay a little more to make it more affordable for you in the moment, so you don't go negative, maybe it makes sense for a quarter to do. Monthly?

For a moment, like if it literally puts you on the edge of not having money, you don't push yourself. To save a few bucks, which I want you to do, you don't push yourself to the edge of overdrafting. That obviously doesn't mathematically make sense in the end. I think that is all of that. Because then sounds about right. Okay.

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You're paying for Twitch here. You pay more for Twitch than you... Like, you paid for Twitch $27 there as well. Razzie Keynes. So I'm glad a little bit more money came in, but I guarantee on your business, you spent more than you made. At this point, absolutely. 7-11, you win and you got some bull-dominos, Amazon. I got my bull monster.

People like you, I don't know. Steam purchase, $10. Amazon, PayPal, PayPal winning, and got your special little monster. Amazon, paid for Discord Nitro, Amazon, PayPal out. More Discord purchase there. Valve, Sushi Neko, Amazon. PayPal and out, Amazon McDonald's, Etsy, Dutchbro, QT, $100. Gosh, dude.

Chipotle, White, Ron. McDonald's, Queen something, it's a restaurant, steam purchase, Shusey Necco, went inside got some bullshit, when inside got some bullshit. Lots of PayPal transfers. Do I have your PayPal account? I don't think I call down. Do you want me? Yeah, I want to see it.

There's so much money going back and better than your PayPal. Of course I want to see it. Come on. Why would I want to see that? In what world would I not want to see another statement if we're looking through your statements? Come on. A lot of it is for Twitch. Screen record for us.

Screen record. What are you saying? A lot of it's for Twitch. A lot of it. So even more money to spend on Twitch? You've doubled what comes in from Twitch? No, no, no. Even in your good months?

Come on. A lot of the stuff that's interesting from poll is, is from like, I pull from my bank account. I don't have a bank account with pay PayPal. When we make a budget, what do we, how much do I put in for Twitch? You know? Not for income, for spending because you spend this insane, stupid amount of money. Yeah, paying, paying for people, paying for people, commission, commission. Humble, bumble, a blossom stream.

that thing, Val. It says more going out to D in the Microsoft subscription. So it's more video games. McDonald's. I got to cancel. McDonald's. Come on. More going out to you.

More McDonald's and Twitch and Twitch. Gosh, I wish I could eat. McDonald's every day. Lose weight. More Twitch. More Twitch. McDonald's Etsy. Twitch, Twitch.

Video games. Discord. Paying people. He'll make sure we're liking out their name. You pay for stickers $240. I pay that person a lot of money. Yeah, you do, and you don't make enough to do it. And you have high interest student loans that are going to hold you back.

Remember what we just talked about if you don't pay it? Where those student loans go? Remember that? Remember the little conversation? I think I do. Yeah, that's where it's going to go. How would you do that instead of paying for stupid stickers? Put up your Amazon where you're at it.

Don't stop the screen. We'll keep going. There's so many Amazon purchases are all these things. Oh, for a f*** sake, there's even more purchases. There's another check-in-go. End me. I do it. appreciate you coming this show. I know I'm hard, but

come on. I got to call you out for your bullshit. I mean, it's there. This is so stupid the way you're with the Twitch stuff, it's so stupid. Oh, for sake. Okay. So a lot of the... Oh, good. We have a harmonica guys. Life saving. That's, that's for a Twitch thing than I did. Stop. You're spending more on Twitch than you make it. It doesn't make sense because you have student loans that you can't pay off that are at 14% are going to ruin your life. Okay. USBC stuff. 50 sheets of heavyweight white card stock ideal for

something some cat litter stuff dish drying electric shock collar only use the buzz it's on my thigh it's on my thigh so it doesn't i can use shock on my thigh it's a kink thing well no it was for twitch it was it was a stream thing yeah i was gonna say if you're using it for dogs only do the beep and vibrate but i don't like the shock shock no i don't either it though my thigh actually got another one no this is a heart rate my yeah okay you have a heart high rate so those two Record, you don't need to be doing record stuff for now. Come on. I do have record. I know, you don't need to be doing.

But I don't, my, Facebook Pro, come on. I didn't buy that. That is. Oh, that's a recommended thing. Yes, no. I don't have money. A lot of those purchases are stupid. You can end the screen recording.

Oh, fuck I see. Okay. And then again, in here, we have more Discord. For fucking say, that was the, the, the, nitro. All those other ones were extra. What are you doing on Discord? No, they should all be Nitro. No.

They are a Nitro. 100%. I will back myself up on. My tropical smoothie, Amazon, Amazon. Venet out $10. F Fah F F F FFU. You've Venmo's so much money, too. Popp icing. More Canva.

For Frizz. Well, canva is how I make all the cool shit. I know, but you spend more than you make. Again, we've been through this and we know where your student loans go, so I don't give a... Waterburger. Huh? Nothing.

Continue. Go. Don't make me. Don't... Come on. Zell. AT Matured $40. $40.

Zellio, 782, what? That's rent. So what I do is I give my roommate the name. Dark crystal, $85. That is, yeah. Zelling out. Chick-fil-A, subway, went inside, got a monster.

The fuck is a dark crystal. I think that was when I, uh, went to do the con thing, and I bought cool things. Oh, my, you didn't get paid for it, and you spent money, and you got,

um, come on, come on, come on. And then his neck check in account, $212 in there, zelling out money, and just transfers. It was simple. What was that original checking account?

How have you not had an overdraft fee? I am so surprised. You bring yourself so dangerously low. It's crazy. Is 100 dangerously low? Yes. If any payment hits or any emergency happens. Are you kidding me?

Then in your savings account, 171, retirement's $1,400. Okay. So we're definitely behind it a lot. of things. I thought I was ahead on my, on my 401k. For my age, yeah.

No. No? Well, probably compared to like the median, but in terms of where you should be, no. Where should I should be? Because I feel like I'm...

You want to essentially be on track to have one times your income by 30, and at this point, you're not on track to hit that. I would probably guess. What's one track of my income? What's your total annual income? Great question. Come on.

I think it's like, I think I calculated it. I think... I'll calculate it. How about that? 1850. 1850 times 9 hours, 40 hours a week

40 hours a week 38,000 hours you should have about 40,000 hours in retirement that that 1500 does not double enough to be able to hit 40,000 hours so I know you're behind. I do 5% and then my company

matches 5%. Well, 10%'s not going to be enough to get you to retirement. You want about 20. It's okay to start little when you're, well, it's okay to have a smaller balance when you first getting started,

but to think you are on the right track you are not in terms of having enough. I feel like since I started in February, I feel like it's good for starting in February. For starting in February, okay. But again, I just don't want you to think that it is enough. How much would be enough? Like, like, one point five. By getting into 40,000 by the time you're 30. So whatever gets you on track to get that. Well, then how am I going to afford that in a house too? Oh, you got to start making sacrifices, but we need to be able to have enough money to live. You can get house poor. House poor is when you have a house, which you just can't afford to live there and can't

afford to retire at any point. That's more dangerous. I would rather. you have retirement and rent in terms of just life security by being able to take advantage at compound growth in the overall market. Listen, I'll sit you down to talk about this in your retirement stuff with the domain money financial advisor. They're my financial advisors. I like them. Everyone in the audience gets a free session with them.

If you guys want, I highly recommend it. They're really smart. You get a free session as well. We'll get you connected with them. They can tuck that retirement stuff with you, okay? We need to get you to manage your budget else you won't have enough money to retire. It's as simple as that. So let's do the budget.

What do you think hits your account on a monthly basis? Payroll deposit I had $3,000. Does that sound about right? Yes, because that just got, it's a little less. It's typically about 28s because I got an influx paycheck recently for my last paycheck was $1,500. And then I'm going to add $500 for Twitch, okay? Yeah? Yeah.

Is that going to be manageable? You're going to be continuing to do that? Yes, because $500. Yeah. But how much money we're spending on Twitch? What am I putting? aside for Twitch. A lot since I have two trips to California.

Come on. Come on. I have two trips to California plans. For fuck for the sake. What? I have to go to TwitchCon. Have to. Yes. Well, according to my manager, I have to.

You have a manager? I do, yes. Come on. Manager who? A Twitch manager? Yeah, like a partner. Okay. Well, of course he wants you to go to TwitchCon.

It's his fucking job. Yeah. Because I have to go to TwitchCon in order to like perfil myself forward. Because if I don't go to TwitchCon. You have to. Yes, because that's where all the partnerships are. That's in order how I move up What, sponsorships?

Yeah, sponsorships. Get a actual manager, a real person who will go advocate for you for sponsorships and get you sponsorships. But I don't have the money to do that. No, they take a cut. They take a cut? They take a cut. They take like 25%. So, but if then I lose more?

Or is that? No, they go get you sponsorships and whatever they bring you, they get 25%. How much is this trip to TwitchCon? It's going to be like. How much? It's going to be like 3K. 2K3K. I mean, you objectively can't afford that.

You can't. But then also, then I have another one too. So I have like, What's your other one? That one's in June. That one's called. What is it? It's called off kai.

That one is like a V-tuber only convention. Okay. Don't go to that one. Okay. Don't go to that one. But that one's just for V-tubers and that one has a lot of like, it has more opportunity for V-tuber for us. Why are you doing this?

Come on. We are so close to the fucking end, man. We are so close. Are you kidding me? Are you kidding me? We are so fucking close. but I it's just in the budget so that way we can like that it's not in the budget it's not it's not hey hey hey okay we'll see how much money's left over but I

f***ed out if you're gonna get at some point you're gonna get to some damn point listen it's probably not gonna this is such a stupid thing to bring it to the end you know you can't afford this is this funny no this is not funny then why the f*** you laughing because like you said I'm trying to figure your shit out buddy how much do I need to set a set on a monthly basis, you were spending money on Twitch stuff. So Twitch stuff. So how much money do I set?

You know what? This is what I'll do. This is what I'll do. Whatever money you bring them from Twitch, you can spend that on Twitch, but you cannot spend any more because right now you're spending double, okay? Okay. Okay, so $2,800 is your income.

All right? That's what it is for a f***ick. Your portion of rent and utilities altogether is $1,050, right? Yes. Is that including Internet? No. What is it? internet for you.

50. Car insurance. It is about $200 a month since I prepay it. So I'm prepaid until six months from now. So, but I should put a sign money. It's going to be $200 a month? We don't know since we're switching providers since it was outrageous. Phone bill?

I don't pay for my phone now. Parents? Yeah. Okay. Gas, room, room, drive, drive. That is about $200 a month, give or take. TP you find anything else you need to survive. It's going to be $100. Food. You're going to meal prep cook a couple times a week and refrigerate $300.

Do you have any pets? My mom pays for them. Including pet insurance? Yes. She has everything for that because she knows that I need them. Medical health care. Mom. Everything. Yeah.

Because I'm under her plan. So to be clear, you're very still much dependent on someone. I pay for co-pay. You said, okay, how much on a monthly basis? So I pay $50 because I go see my. therapist twice a week or twice a month. So $50 a month? Yeah. That's cheap. Okay. So to be clear, you are still dependent on someone. You said you didn't want to be and you refused to allow people to pay your meal, but you're very much still dependent on someone hearing all this.

Health care, it's just because she has a better plan. No, and I get that. But again, with her paying for it, you're not even reimbursing her because she's getting money taken out before her pay hits. You're still dependent on people. I'm not saying that's necessarily bad thing, but based on what you were saying earlier. Yes. to know it doesn't hit because she still pays for the same because she has two other kids so it's me no that's fine i'm just saying you said you refused to be dependent on anyone earlier but you are very much dependent on her for multiple bills yeah but it i feel like if i was less dependent i think it would i don't think i would have the money for trying to pay off anything else no i again i don't

necessarily disagree with that i'm just saying based on what you said earlier of refusing to be dependent on anyone else but that is not true you are To an extent. To an extent. Yes, of course. But your pets, your phone bill, your health care. Come on. Anything else that needs to be in your budget that we don't have?

This is pretty damn minimal. Just gas food we got. Gas is there, food is there. Is there a gym? No, I have a home gym. And then I would like a trinket budget. If your trinket, I'm going to. I want to.

What is a trinket? I still don't even know. What are you doing? Because I've never heard. Is this the new sweet treat? What is a f***? A trinket, it's like a little thing that you can just have like this. So this is a trinket.

Why don't you use your trinkets? This is a trinket I already had. I don't need to buy a new trinket. I have this trinket. Because I like shiny new things. You're shining new things. Your shining new thing is being debt free. It'll be awesome.

But I like this. Oh, I get it. You are a child. Can I have a 23 year old baby. I am. But I just want. That's not funny. It's not cute.

It's not. But I need a trinket. I just, okay, just 25 bucks, 25 bucks. 25 bucks. I'll put 25, but I feel like I'm just giving you an excuse to spend money and you're going to go over. This is so stupid. But I need it.

Shut the fuck up. That's the dumbest thing. I'm upset. I even agreed to that because I feel like I'm just allowing you to be bad, allowing you to refuse to sacrifice. I mean, I'm already sacrificing food. I'm sacrificing with food. Oh my gosh.

Oh, no. So I'm sacrificing. You have that. extra thousand hours a month, okay? You have an extra thousand hours a month. Listen, if you want to start paying off that you got to pick TwitchCon or paying off that quicker. How quicker would it be?

When's TwitchCon, when you need to pay for it? TwitchCon's in October, so I was going to do a don't-o-thon in April. If they pay for it, you can go. Okay. Because I'm saying you can spend what you make your Twitch money on Twitch stuff. Can I budget like a thousand

if possible? I don't like... You're taking away a month of progress. Fine. What if I... But that... I mean, sure, you can. But that is a month of progress you are losing. And that you have to be willing to accept. That's going to...

Can I wait until closer? Because I... Of course, but that payoff is going to be by then. Okay. Again, all your students... Okay, all of your debt together is $47,000. So we know that that takes about 47 months. That's not that bad, actually.

No, it's not that bad. But Twitchcon is before then. A couple Twitchconns. Yeah. It's four years. So that's going to set me back a lot. But if the... If you do four Twitch cons and you pay more out of pocket than your Twitch people pay you, then yes.

It will. It's stupid. Listen, I definitely get it. I definitely get it. But guess what? I've done pretty good on YouTube. I've never gone to a YouTube gone of any kind. Well, then you need, but you need partnerships.

So I don't know how you understand do that. I think... Yeah, you need someone that goes in shops partnerships for you. They bring it back to you. You have to see if it vibes with your morals, vibes with what you want to do. You probably turn down the majority of them like, we do. And then at that point, you just accept them and then they get a little cut. It's an agency. So then I need an agency then. So that way I can stop spending so much money on stuff.

Yeah. Yeah. Reach out to some agencies. Okay. Okay. But try that. If your entire region of going there is getting partnerships, try that. It is. It is my entire. Then try that first. You haven't until October. But even four years, I don't think it should be four years. I really think I get you wanting to do this strict thing. But the fact that you're doing 40 hours a week. week at your job in the 40 hours a week on Twitch. You can be making so much more progress if 20 of that extra 40 hours a week was at a second job actually bringing in real money. And at that point, you know, that would probably bring in an extra $1,000 in that

after taxes minimum. So you do that wonderful. And at that point, that doubles your debt payout journey from four years to two years. Because you're also going four years without a fully funded emergency fund, which is absolutely scary. Yeah. Because my car has, like, I've had. Exactly.

So if we incorporate that into it, that's an extra $10,000. hours. Now we're at a five-year payoff zone. Why not get that to two and a half by using 40 hours that you're doing Twitch and doing 20 for another challenge? I know what you want to do, but what matters more? The Twitch or being debt-free with an emergency without and being able to survive? Give me the honest answer. Honestly, Twitch. I know it's selfish. I know it's selfish, but I would rather, I would rather- Listen, that's your answer. That's your choice. That's how you're doing it. I get it. That's fine, but you're setting yourself up for a much harder, longer stressful life. you really are whatever spending in a budget

and you overspent zero out of ten wait did you i think you did i'm pretty sure you did let's see uh spending oh guys what even we didn't even talk about this oh wait there yeah wait okay there's confusion thousand dollars you made four thousand you spent five thousand seven hundred and seventy six how did i spend that much what i what was the what was the highest one we went through a lot of spending but that was your Categories are insane. You had a lot of large purchase, Twitch spending categories. Yeah.

Okay. So you definitely overspent. The debt, you have collections, zero out of ten. Emergency Fund. We have nothing. I'll give you a one out of ten. Retirement, you're about a two out of ten. Real estate, obviously, zero out of ten.

Let's see if you at least got two and one. I don't think so. Did you? Rounded up, barely, barely rounded up, because you're at a 0.06. So, rounded up. Hammer Financial score, 1 out of 10. We'll have you back on the follow-up.

channel. Go check out the follow-ups to the follow-up channel. But we'll head into the post show for now. I know those extra things like maybe calling your mom and crazy stuff that we're going to do that. The producers are going to bring in and dive deep into extra things that they know about you. But guys, definitely be sure to check out our entire bundled package of education programs bundled together at a large discount just for you. And make sure you check that out.

And we'll see you in the post show. You have a f*** pay day long. What is the payday long? When I was in the whole hole, like... What's the whole hole? When I was still with the shi-ex boyfriend. And you have the payday long. I am in collections and they called me for it.

They're hunting down the payday loan you got. How much is over on this pita loan? Like, Caleb, I need to take a big breath. To watch the financial audit post show, click the join button below. Hi, how you doing? Hey! How are you? Good.

We got a lovely little cameraman right here. I know we already got your consent on everything for all the fun little lovelies, but we made a wild thumbnail as we kind of talked about in the post show and stuff. I'm sorry, I'm excited. You just want to get your eyes on it and just get, you know, that extra little consent from you for happiness, because it's a wild one compared to normal. I'm ready. You ready?

Yeah. Here we go. What you think? I love it so much. Oh, my God. This is great. All right. Well, your video's going out tomorrow.

Are you excited? I'm so excited. I'm so excited. This is great. Oh, my God. Just probably don't read the comment section as always is suggesting because people are crazy online. No, I'm going to send it to one of my mods and he's going to read it and make sure everything's all good for like, um, which we call it doxy purposes, but everything else. Oh, beautiful. Yeah. Okay, beautiful. See, people have a fun sense of humor and people can have fun online. You can calm down now.