Financial Audit - Unhinged Twink Nearly Makes Me Walk Out | Financial Audit

Episode Date: July 24, 2024

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. Why weren't you able to work that other job that you didn't like? I just did not like being in school. Congratulations! I'd like you to be able to pay bills. Follow up on jobs we don't like. I've done jobs that I don't like. I've also done jobs that I didn't. Cool, so why couldn't you do it for a couple weeks? Because I didn't want to.

What the fuck can I do to help that? Over your future. I'm ready to stop this thing if you're being... My name is Jack. my age is 25 and I'm based currently in Fort Fort Lauderdale. I mean, this is financial audit. Cool. And what do you do for a living there?

That's a great question. I'm kind of in between. It's a great question. Okay. Yeah. Thank you. I am very good at being a host. I appreciate it.

Thanks. I've been kind of like in between jobs. So I kind of went back into the food industry after getting fired from my customer server job last year. Customer service. So I'm guessing you weren't servicing the customer very well. It was kind of a mixture of a few things. Like the job that I was working at, they started becoming very much micromanaging. Okay. And I had an issue earlier that year where I had a knee injury. And it was like, I had a brace on my leg. How did that get you fired?

So at the beginning of the year, I had the brace on my leg and I had a problem of, being able to get to work every single day. Oh, it was in person, okay. Yeah, so I was showing up late, and they basically gave me a final notice. Why didn't you leave a little earlier than if it took longer to get there because of the knee? Well, it wasn't like particularly, like, particularly with the knee. It was just like the fact that was hard for me to drive, so I couldn't like, you're right. I could have definitely, like, gone out earlier.

But the thing was in the end of the day, like, they literally did not help me at all. Like, I tried contacting HR multiple times to put in claim. names, nobody responded. None of my managers helped me. And then like towards the end of the year, there was an issue with one of the customers that I was talking for, and they basically just told me that that was it. So the lateness kind of built up a potential resentment on the company's end, just seeing, you know, maybe this guy doesn't really care about his job, you know, from their perspective, you know, because it sounds like you try to reach up, but maybe some other people just weren't aware, whatever.

So maybe they see that. And then bad experience with the customer. Yeah. And they're like, okay, that's it. Bye-bye. Why didn't you just wake up a little earlier?

How long were you running late? How many weeks in a row? A lot. Okay. See, well, that's... Because eventually that does become on you, right? I agree. It would be great if you reach out to your manager

and different things. So you're having trouble... Okay, I know. I barely even jumped in this. No, like, the thing, the thing also is, is that I'm going to be honest with you as a type of job where I was in a call center refilling pap supplies for patients. Yeah. And it this may- You weren't doing it physically.

I wasn't doing it physically, but like, honestly, it had a very strong effect on my mental health. And my mental health was continuously diminishing by the time that I got fired. Okay. But you got fired? I'm confused on the part. Are you trying to say it was because of your mental health that you got fired? I didn't want, I honestly, like, at that point by the time they fired, I really didn't want to be there anymore. Okay. Well, this is starting to add up. And this is why I did get on people, because you made it sound like you were fired because I had an injury.

That's how it started. I mean, like, I'm like, come on. Well, the injury was like, you didn't want to be there by the end, so you probably weren't showing up on time. And was it because of the injury? What made it harder to drive? What made it harder to drive? What was harder? The truth, I mean, preferably from the beginning would be nice. I mean, being able to drive there every single day with a brace on my leg was really hard. And I understand like, I'm definitely maybe I'm wrong in the instance, but like, they could have handled things differently on their end. What did they do wrong?

Not be helpful in pertains to my, like my disability. What would they have helped with? Was it an injury, not a disability? Well, it's called a short-term disability. Sure, I got you. So they were like paper. Did you try to make a claim? Okay.

I made multiple claims. Yeah. Well, if they didn't hear any claim and even have a conversation, then yes, obviously they were wrong in that. What leg was it on? My right leg. That would be right, yeah. You're right, like, okay. And that, yeah, that would make it harder to drive.

I'm still confused how it made you late though Like were you unable to push the pedal to 30 and you were stuck at 25 Like how does this work? It just this is just weird The way you're talking about this being fired is kind of weird And I know this is such a random thing to dig in off the beginning but it's just like There were other there were other things also like besides that I mean Yeah you had a bad experience with the customer tell me about that and be truthful What happened in the conversation?

So what happened was I had two customers that called him and I mixed them up. And because we go through like HIPAA and certain requirements and regulations, I placed an order for the wrong patient. And by law, because I placed the order and the customer called in and due to policy, you know, because of me showing up late and me also having that issue earlier that year. What was that? Earlier that year with my leg. Oh, okay. Okay. Because that was 2003 in the beginning of the year, and they fired me at the end in November of 2020.

You were late every day for a full year. No, I was late probably maybe two or three times a week. Okay. Out of a five-day work period. Yeah. So, yeah. And basically what happened was, like, we were having, because of that situation.

You clearly don't take that that seriously. I mean, you were smirking through that. Like, you were just like, a little silly little guy. I honestly, like, that job, I just didn't. So were we surprised you got fired? Was it, it probably, maybe it wasn't even because of the knee thing.

You had a bad call sound like you broke the regulations that the company has to follow that. You potentially put them in rest. risk for, like, disciplinary action would come from that traditionally at most workplaces. Yeah. A hundred, like. And then it sounds like you didn't want to be there. So maybe your work ethic was bad.

Maybe you brought negative energy to the office. And, you know, just like other people weren't as inspired to work around you because you were probably just in the, like, in the, um, bending machine room being like, oh, please, I was not that type of person. I definitely made connections with people that I work there. I definitely was a type of person that helped out as much as I can. Okay. It was honestly... So what do you do now, then?

Right now, I'm in between jobs. I just landed a new customer service job with a home remodeling company. I start on July 8th. Okay. What was the job previous? The job previous to this one, I was working in a cafe as a line cook. And what do you mean you're in between? So you left that one?

Yeah. Why? Because the company that just hired me for this position, they hired me for... a different position. Doing in-store promoting for the company. So basically, like, I would have a kiosk and a BJs, and you'd basically approach people that are exiting or in the aisles and sign them up. And you did that?

For a few days. And then? I didn't like it at all. Oh, my gosh. So I reached out to management, and she was really sweet. She got me in contact with the other department and the other team. And then, like, for the past week or two, I've been talking with them doing interviews to work in their department.

Is that hourly this customer service job? Yeah. Okay. Are you ready to deal with customers again? With this type of job, yes. Okay. For now. What's the hourly rate going to be?

For now. What's for now? What do you mean for now? What? What is that? What is that? Honestly, I'm sorry. I know.

Maybe it looks like an app- the YouTube perspective. And I get it. But when someone's sitting in cross me and we're literally talking about their job and their income and you have a cheeky little smile like I don't know what that indicates I don't know what that indicates to me honestly right now I just like I need a job that can be able to pay my expenses and cover things um but they're like I do want to do other things like I do not want this to be a permanent thing what do you want your career to be

I'm still trying to figure that out what did you say your age was 25 okay it takes a It takes a while to figure these things out. What's the hourly rate for this upcoming job? This job is 15 an hour before commission. So it's sales, too? Yeah. Okay. Based on, do you know what, like, an average?

pertaining to the commission. Yeah, so the commission is kind of structured the same way as in stores. How many hours are you working? they would be between 38 to 40 hour a week okay so 39 I'll do times 40 okay times 52 divide that by 12 for a monthly average of six thousand seven hundred sixty dollars yeah six times 39 times 52 divided by 12 two thousand five hundred thirty five dollars yeah yeah that would be I must have typed in like 50 or something. And then what is the expected commission?

So depending on if the canvases, those are the people that actually go out and sit with... For the job you're in, dude. For the job you're going to be in, what is the average commission? If you know, if you don't, it's fine. It depends on final sale, but it's between 50 per... 50 per order. What is the average person in that? position, walk home with in commission?

If you don't know, it's okay. I honestly, I don't know. Okay, thank you. Thank you. Okay. I'm honestly just going over the numbers they gave us in the training course. What did they say then? He told me it would be somewhere in the neighborhood of like 18 to 20 an hour.

So he gave me a full number. So like between 35 to 4,000 with commission, based on their numbers with their agents. Okay, so $3,500 a month. About, yeah. Okay. So $2,500 to $3,500. Okay.

And obviously with commission and everything, it can take a few months to ramp up, build our relationships, learn the game, and figure it out that obviously happens. Yeah. All right. Your finances.

Okay. This is fun. Okay? Why? What's fun about it? Well, I mean, like, I'm talking about, like, pertaining with this job on us.

because like the whole process so far like said this is fun pertaining with the job like the job that the job that i'm getting hired for i thought you meant this no no i'm talking specifically with the job that i'm getting hired for okay i'm happy you got a new job yeah thank you um congratulations self-assessed your finances where do you think you are zero being the worst 10 being the best your finances probably a three okay and being real okay i hope so okay you confuse me you're an interesting little creature aren't you

I try to do okay it's a fun shirt it's a fun shirt interesting and that's okay I love it I mean I'm weird

and interesting in my own ways as well you got to start somewhere okay sure three out of ten says the person that is $200

over the credit limit on this first card that we're looking at sure sure sure sure get your hammer financial score it's free in the description below well you don't like that plug

what you reacted you don't like that plug you like laughed no plug I sometimes I sometimes like kind of make noises and things it's just a weird thing I just make weird noises okay this is more interesting and interesting

if you make weird noises then you want to be on the show Calebhammer.com slash apply or actually if you don't make weird noises. Extra apply. Okay. Synchrony, we're sitting at $1,074.33. So what's confusing about this one is your $200 over the credit balance, actually basically $300 over the credit limit. Yeah, most of that is actually interest.

Okay. Okay. The original credit limit was only $800. Right, but your past due $63. it wouldn't be above the credit limit on just interest if you were making your minimum repayment it would still take a long time to pay it off five years in this case but it wouldn't go above the credit limit if you're at least making your minimums i haven't made any minimums on this car why i just couldn't why three out of ten why i because i couldn't afford paying and why is that because i was living over my expenses and also like i i I just didn't have the extra funds to pay for it.

Yeah, but why? What were you living over your expenses? What were you doing? I had my rent. I had other... What was your rent? Well, my rent was $12.75. Yeah, and what was your income at the time?

Um... Well, I mean, it depending. If it was last year... No, just when you had $1,200 rent! What was the income at the time when you had $1,200 a rent? My income then was about like $32 to $3,300 a month. Cool. So you can pay the rent.

A little expensive, sure. Why couldn't you pay a $36 minimum fee payment? Because I just, I couldn't. I just didn't have. That doesn't make any sense. Where'd the money go? To other expenses. What?

Like other things that I was paying for. What? For fucking. You're just saying all these broad terms. Okay. What? What? Okay.

Like, for example, like my car payment. I had also my insurance. Sure. Car insurance or Calton insurance. Both? Yeah. I had also my medical coverage. There was also other expenses, like my example, like an electric bill.

And this is also not the only credit card that I have. Like, I have multiple ones that have been maxed out. So it's like trying to make out like monthly payments for all of these. But still, let's include all the payments you have to make. 36 hours. You were incapable of that. Yes, I was incapable of doing that. I mean, like...

How much do you think hidden payroll this last month? Most recent month. payroll? Last month? Mm-hmm. Well, last month I had... The most reason of month, the statements we have. Okay, so for May, I had my regular job that I got paid, and then I also...

How much was the question? $2,300 from the... Okay, $33. 33 is what we had in payroll. Okay. Okay. How much do you think went out in terms of spending? Okay, so this is not included.

expenses. So this is just... No, it's total going out. Everything going out. Probably maybe $28, $2,900. $6,200. Yeah, that makes sense. You just said $2,200. Yeah, well, I... And then I times it by $3 and you, I'm going to...

Okay, so let me explain. My brother helped me out financially... So your expenses go up then? He loaned me some money. So your expenses go up then? Yeah, well, because... Because last month I had to, I wasn't, it was behind on my expenses for a lot of my bills. So he sent. I didn't see any catching up.

I mean, the money that he sent me went to pay for the rent electric insurance. What's your rent right now? Rent right now is 1575. Okay, electricity? Is 102. Okay, that is not making up $6,246.46. Math is a math and somewhere. I mean, I'm telling you, he sent me.

Oh, I'm sure. he did. He sent you $3,330.98 cents. Yes. You did. Yeah, I'm talking about what went out. Well, the money that went out for that, like I said, was for the rent. Of which was $1,500. And then electricity said it was a few hundred bucks. Then there was- then there was GEICO. Oh, okay. So car insurance. And then you have your income on top of this. Math isn't mathing. There's something. You have them. budgeted in your life, have you? No.

Yeah, it's okay. It's okay. Gee, a little cheeky smile. Are you proud? Do you have a, no, I'm being honest with you. Like, I've never, I've never budgeted before my life. When you get called out, you immediately just like, it's like, I told you, I do word faces. Okay.

Listen, I mean, if that's, if that's you, that's you, I just want to make sure you're taking it seriously. Are you taking it seriously? Yeah, I am. Okay, cool. Because, I mean, that's, I don't want it to be a waste of time, you know. Okay. So I'll break it down for you.

We'll figure out where your money went. We'll create a budget at the end. Or obviously, just like any other guest that has been on the show and that anyone out there can take advantage of we're going to put you through our budgeting program. I highly recommend it. Takes the class, take the quizzes. Actually do it. I don't know how much of an education person you are, but actually do it.

Do the investing one as well where I'll give you $100. I will literally give you a $100 gift thanks to Moomoo. So you get a free $100. Congratulations. Thank you. Yeah. I actually take the class, though, and learn things. Okay, so synchrony is 1,074.33, with a minimum monthly payment now, now, because you're, again, behind by two months.

Keep in mind also that this is a part of my debt consolidation. Like, they... What? I have a debt consolidation. The fuck you're talking about? What? It's through national debt relief. Okay.

So I had another company at the beginning of the year, but I couldn't afford to pay them anymore. So they basically dropped me out of the program. Are they in the negotiating process right now? Because this debt is not consolidated anymore. They haven't consolidated this debt. No. So what national debt they told me they're doing is I basically send them out payments biweekly, and they do a settlement within, I think they said about three.

That's what I asked. So they were negotiating. So when did you talk to them? I started National Debt Relief last month. And? And I've been making the payments. You have. What's the payment?

Just like 169. Okay, but you couldn't make a $36 payment. And you're doing this while your brother said, and then you, but, but, but, but, but, but, but, but, but, but, but, but, but, but, you tried to do this before. You tried to do this before, and you said you couldn't make the payment, so the debt consolidation dropped you. What's different this time? well nothing really is different honestly it's just as a different program how long is your then how are you going to make it through this program i don't i honestly don't know so why are you in it because i've been told that debt consolidation is the best way to consolidate your debt well yes

consolidating consolidating is the best way to consolidate that is how that works slapping this calculator is the best way to slap that calculator sipping that drink is the best way to slap that calculator sipping that drink is the best way to sip that drink. Yeah, consolidating is the best way to consolidate. That doesn't mean it's the best way to pay off your debt. There is nothing more important than preparing for your financial future by starting to invest. So you don't want to end up on the Walmart floor in retirement. And who better to assist you than Moomu, my personal favorite investing app in the official

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I understand that, but again, like, this is what I know and this is what I do. What do you know? I know. I was told that debt consolidation is the best way to take care of your debt. Oh, to take care of your debt. Okay. Who told you that? One of my friends. Have you changed your behavior? I don't think so. Again, you spent $8,000. Does it make sense to consolidate before you've changed your behavior? Because then your debt will just go all the way back up.

Yeah, I understand that. But at the same time, like, what else am I supposed to do? Like, I wasn't making a $36 payment. If you can make $176 or whatever it was, you can make a $36.1. fact, one's a bigger number. I understand. One's the lower number. The lower number is the one you weren't paying. Yeah, but like, it's either 36 plus an additional, like, monthly payments that I have to make for other creditors instead of just paying a lump sum that covers a lot of these creditors.

How long has your brother been helping you? Years. What's he helping you with? He's helped me out financially. He's also helped me out mentally. through a lot. What does that mean? I was kind of, I was like raised in a religious home and I kind of left religion in 2017

and struggled a lot. My brother helped me out tremendously, like getting me in touch with programs and helping me out like financially. Was it like cultish? Yeah. Okay. So he's kind of like helped me get apartment. like I'll, you know, for example, like paying, like, whatever fees and stuff like that.

And then also with like co-signing. But that hasn't helped though. That part, the mental, sure, but that hasn't helped. No, it hasn't. Are you, if I'm not mistaken, are you not being evicted right now? My lease is terminated as of July 15th. Terminated because you weren't paying. It's terminated because my landlord made a decision to raise a rent to, I was paying $1,200.

and then he decided to raise it to 1575. After your lease, and then you re-signed a lease with that? No, no, no. Well, my lease ends July 15th. He decided in June to raise it to 1575. So I basically told... Was that in your lease agreement? Yeah.

Oh, okay. They have the right to raise the rent whenever they want to. Well, there you go. I mean, you signed it. Yeah. So... So he raised it a few hundred bucks. Yeah.

And... I can't afford to spend... So you just stop paying rent? No, I didn't stop paying rent. I basically told him that I do not wish to continue renewing the lease in July. You told us you owe the landlord $1,500. I do currently owe him for June. I have not paid him for this month.

Okay, why? Because I haven't been working. Why weren't you able to work that other job that you didn't like, at least throughout, until you got your customer service job? I just didn't I just did not like being in Congratulations I'd like you to be able to pay bills What we've all done jobs we don't like I've done multiple jobs I don't like

I've also done jobs that I didn't like Cool so why couldn't you do it for a couple weeks Because I don't want to Okay that's the mind of a child Especially after that little smirk you did after you said I don't want to What the fuck are you a baby? What is this? I just feel that I've been in and out of jobs Since the beginning of the year

And I'm not going to stick around on another job just because... How does not sticking around in a job help you with being in and out of job so much? It's the opposite. It's just... That's honestly the decision that I made. Yeah, no... It was a stupid decision, no?

Okay. You're not paying your rent. You're not paying your minimum fee payments. Is it not? You disagree. You somehow actually disagree with this. No, I agree. I'm not able to pay, like, my basic expenses.

I know, but wha? I didn't like the job. I can't do it in an extra two weeks. Is that not the mindset of an absolute child? You're not 15. You're 25. Mm-hmm. Yes, I am 25.

But like, like I said, I... But you're not acting like an adult. You can do another two weeks in a job, yes? I did not want to... I did not. No, I got that part. Agreed. I could have done that for an additional two weeks, but I didn't.

Okay. Okay. All right. So what happened on this card? Yeah, fees $123. So that's just going to make you continue to go up. Payments, you made a small payment, but it didn't make up for all the other minimums you owe.

So funny enough, you actually made a payment of what the minimum monthly payment could have been. Okay. But you didn't pay back all the other minimumity payments you accumulated. So you still got fees added, which is just hurting your position even more. And then $24 and 46 cents of interest accrued. Again, credit limit of $800, but you're at $1,074. Well, how did you build this credit card debt in the beginning to start? So that was a cure credit card.

Primarily, that was used for medical expenses. Really? But usually, a lot of the times you can talk to the hospital that can do like 0% interest payment plans. I had co-payments for my physical therapy. Oh, these were co-payments you were putting out there. Co-payments plus for like my doctor's expenses. So that's how the card got maxed out. Doctor expenses?

Yeah, so like for example, I had an MRI that I needed to get done. I'm being honest with you. I don't remember the exact numbers. But it was somewhere like around $200-something dollars on that card that I had to pay to be able to get that MRI done. so okay and then why if we not paid anything towards it then while you're doing this i like i said it's i maybe it's because i haven't been able to have a control of my finances i probably that is the case but i just it was just too many payments coming at me at once that i just what were you

seeking physical therapy for uh for my leg okay oh sure how is your leg doing my leg is perfectly fine now usually able to keep... Oh, so you won't show up to work late anymore. Lots of places can expose you to identity theft. Oh, no. That's why LifeLock monitors hundreds of millions of data points a second for threats to your identity, which is way more than anyone can do on their own. If we find anything suspicious, like new loans or changes to your financial accounts,

we alert you right away. All through text, phone, email, or the LifeLock app. Get the alerts that could make all the difference. Save up to 40% your first year at LifeLock. slash special offer. Terms apply. Yes, I don't show up to, I generally do not show up to late, to work late, but like. Except for three times a week for a year.

Yeah, I guess. Your leg didn't heal at all that year? It did, but the thing is, I had a bone contusion. So I twisted, I was roller skating and I twisted my knee about 40 degrees inwards. So the bones kind of like snap back. Why don't it take like an Uber though? I know that wouldn't have been necessarily price effective, but at least would have gotten you there.

Yeah. No, I honestly think you should have been able to work this from home on just like a cheap laptop they have all the security measures in. This is a thing they did have where we could work remotely. So that was one of the things that I tried to get approved from from HR, and they just kept on denying it. Okay. So.

All right, capital one. Yeah. all right new balance $662 please don't be over the credit limit or over the credit limit $162 and 60 cents shocker

interest accruing $16 you didn't pay a minimum monthly payment what are you doing new minimum monthly payment $212 dollars probably normally like $49 what the again why not at least

attempt to make some payments you're doing your little cheeky little oh that annoys me people don't understand how much that actually annoys me I'm a man of faces. I can't help it.

It's just me. It's fine. I just need to accept it. I just need to accept it. But it's like you're getting turned down that you're over the credit balance somehow. Trust me, I am not. This actually makes me quite anxious.

Really? Yes, it does. Oh, maybe that's your natural response then because that's fine. When I get anxious, I have my own weird tics and stuff like that. So that's fine. This account ended up becoming suspended, of course.

So I don't think anyone's shocked. Speaking of Turndown, you see that little nerd back there, no other producer? Mm-hmm. Yeah. In the post show today, I get the grill, grill his lady friend that's in town visiting because he grilled mine once in a post show, so I'm going to grill her. Nice. It's going to be fun. You can ask her any questions you want as well.

I will definitely do the 100%. Yeah. This should be fun. You know what they say? Three's the company. Whatever you guys want to do after the show is what you guys want to do after the show. Cool. Okay, no, no.

He's already half naked with his shirt. I like this. I mean, it's Texas and it's hot outside. It is very warm. Okay, and that's a 39%. So, of course, I mean, when's the last time you made a payment on that? Five, five months ago. You're killing me.

Why the fuck haven't you at least attempted anything? It's the same thing with the, with like... No, attempted. I know you've had some money. It's just it doesn't do anything. It's just every single time I've made, I've made payments. Well, it means you're not getting fees added. Yeah, but when you make the minimum payment,

you're looking, you're looking at Noah? That's in the post show. Look at me. Okay, but the thing is, is that whenever you make a minimum payment, it doesn't change anything on the account. It's just going to still... It prevents you from getting those extra fee. What is you doing? Okay.

I'm ready to stop this thing if you're being... Like, I don't know. Are you joking? No, I'm like... Because you're like, the minimum payment doesn't help anything if I put it toward. That's what you looked like. Honestly, like, that's how I feel. It doesn't do anything.

Like, all it does... But it stops late fees. It starts paying down the card. Yes, it takes forever. But instead of it going up, it actually does start decreasing the balance a little bit. Barely. Okay, but like the thing is, if I make those payments, it's going to take like... Do you not care about your credit?

I do, but it's going to take... Okay, no, you don't. No, you don't. But it's going to take 14 years for those things to get paid off. I honestly don't. I honestly feel that making the monthly payments, it just takes... No, you're a lazy baby, and your excuse for all the shit. You just make up numbers.

It's going to take 15 years. No, it takes five. I can just be lazy. You're just a lazy child. You're a child. And I call it how I see it. I'm not trying to do that to insulting you. But you're acting like a child who just got access to credit.

You have no responsibility. The Capital One would be paid off in two years. What's a bigger number two or fifteen? You have a point. Yes. Okay. CarMax, so we got a car. Mm-hmm.

CarMax is a horrendous place to get a car. I'm sorry. That's all right. The interest rate on there is pretty high. Yeah, 13.45%. Definitely not good by any means. No. And I'm, I kind of had a,

I kind of had a perfectly, perfectly good car before those. People are gonna, like, mass dislike this video, you know that, right? I don't care. Great, thank you. But, yeah, I, I made the decision because I found

a car that I really liked, and, yeah, I basically did, like, a, trade swap and I got my car the one that I'm currently driving, which is a Mustang. So, yeah.

I don't, I mean, it was not necessarily the smartest decision that I made. What is the car? It's a 2011 Ford Mustang. One that I currently drive. What do you think the car is worth? Last time I checked Kelly Blue Books.

It was somewhere between... You do check, okay. Yeah, I did. It was between like four. 14,000 and 15,000. Okay, 8,500. When did you check? Last year. Oh, okay.

Kind of the same time around that I got the car. Oh, Mustang. Lots of experience with people with Mustangs on this show. It's always a little exciting car to go into a lot of debt for. I mean, $10,000, $1,815 of car debt. It's not a horrendous amount of car debt, but for your income situation, it's really bad, especially for someone who can't make payments. Do you make payments on this?

I do. Okay, so again, you can make it $274.73 minimum payment on this, but you can't on a $36 minimum payment card. True, but I did have problems at the beginning of the year of making payments. So they did push the payments about two months. Like they said, you have a grace period or something? Yeah, so it was basically, I made two payments in one month. Okay, but the normal minimum fee is 274?

Yeah. Oh, okay. Oh, you did pay it. Oh, fuck. There's a late charge. You're so late, $27 and $0.48. You were late. You were late, buddy.

Buddy, you were late. This is just financial mismanagement at its core. It's hard for me to keep up with... See, there's lots of that. There's lots of that. of just, I don't know, we need to get the full financial picture before I can tell you, you're right, you know what, it is hard, there's just shit here, and maybe we can find a way. Or it's just like, you're just acting like a child.

But so far from a lot of the excuses, I do lean more towards that way. I hate wanting, I hate passing judgment before we get the full picture. I really do. Because I don't want to think you're like a bad person or anything, because I don't. Finances are only one part of a person's life. But gosh, is it because it's hard? I mean, you chose to take it out. You got in the credit card debt.

Like, you chose to take, fine, credit card debt, maybe some of it went to somehow things. Okay, you chose to take this car loan out from CarMax, which usually, you know, you can't really negotiate. You can't even negotiate a CarMax, couldn't you? So, yeah, the price is what the price is, and it's usually over the value of the car. And then you got at a 13.45% loan. Okay, maybe that is hard for you. But you chose to do that. I did.

I did. And you're not even dramatically underwater in it either. You're lucky for that. Thankfully, yeah. I mean, it's sad to say, like, this is honestly one of the only debts I've been able to kind of. But it's more expensive than the other ones. The thing was my car before, my payment was close to $400 a month. It was like $365, but it had zero APR.

and I owed like 5,900 left on it. No, why didn't you just work your to pay off that 5,900? Sure that minimum payment was uncomfortable for your situation, but if we talked, we could have figured out a way. True, but I really wanted that car. Yeah. Yeah. Like, I just, I don't honestly, like, I, I know it sounds crazy.

Like, I honestly don't, like, this is one of things, like, I understand, like, I made a really bad decision, but I don't regret it. I mean, that's the, that's the thing. I honestly, I don't know how to respond to that because, I mean, I could dig in on you and everything to do for a lot of people, but when it's just, okay, this is obviously a very dumb decision

and it's, well, because I wanted it. And then there was the, obviously quitting the job before, or stopping to work that job before you got your new part, well, because I didn't like that job. Like, what, like, I want to help you? What the fuck can I do to help that? You're choosing your wants, wants, over your life, over your future, over any sense of security, over any chance of retirement,

what the fuck am I supposed to do with that? I would love to help you, but what can I do? Like, that is just the most give up, like, words ever. What do I do with, I wanted it? So it's okay, and I don't regret it and I would do it again. What do I do with that? I wouldn't say I would do it again. If the situation, for example, came along again, I probably would not make the same decision. But I do feel for myself that I have given up to a certain extent. Instead of trying to be able to work and figure this stuff out, I kind of just did what I can and just to get by.

Just to get by. That doesn't make any sense. But you're not getting by. No, I'm not. So what the fuck are you talking about? I just making it I've managed to make it through every single month You borrow double your income from your brother

Yeah It's true Half of your livable wages from your brother Doesn't make sense Hold your brother He's 39 Okay Oh wow that's a big gap

Yeah we're 16 years apart I know we're not gonna name the specifics But just in general What can you say in concept what he does? So my brother operates one of the largest, like, rebuilding and manufacturing plans for a specific car company where they handle certain components such as like rebuilding and remaking. I'm going to say something to him. If he watches this, I don't know if you're going to send this to him or what. But speaking to your brother for a second, I don't think you should give any more money.

I think he's enabling you. You're allowing yourself to just coast. You're allowing yourself to just say, it's hard. You're allowing yourself to do, I get this because I want it. I'm going to stop working because I don't like the job. He's allowing you to do that because he's doubling your income through helping you. Now, you know what? I have a big gap between me being the oldest brother and then my youngest brother.

Five years, my middle brother is five years below me. But then it's something like a, I don't know, he's, I'm 29 and he's going into a freshman year of high school. school next year. So there was a big gap there. And honestly, I would probably want to do the same because, I don't know, I love that dude. I want to help him out too. I get it. It's a helping spirit from him. But I think he's hurting you. He's enabling you to be able to do whatever the fuck you want. And you're getting yourself in worse positions because you think, oh, daddy brother's just going to bail me out because he's always bailed me out. He helps me get a house. He helps me get a car. He helps me pay my bills. He helps me do all this.

is going to bail me out, which is putting you in a worse position. I mean, you, because of all being able to bail out, you, yes, a higher minimum payment, but you swapped that a 0% loan with a car that we could have gotten together. We could have figured out a strategy to pay it off as quick as possible so that you got out of pay for, Rav4. You traded that in for something at 13.45% interest rate that's going to take you a long time to pay off. And I think he's just enabling you. Again, I think it comes from a warm heart from him. I don't think he's a bad person for this at all, but I think you're getting hurt.

There's been kind of tension with my family because, like, because of like my certain, like, my current, like, predicament right now with my finances. They wanted me to reach out to him, and I've been very strong as to not reach out, like, to your brother? To my brother for help. And I basically, when was the last time you talked? Because we just had 3,500 coming to your account. This would have been last month.

The last time I spoke to him was last month. Okay, so this isn't ongoing. This is like, I mean, this is a new thing. Yeah, my family, like, they basically want me to reach out because of, like, my moving situation right now. But I basically, like, have told them that... Basically, get evicted. Yeah, go ahead. I basically said, like, I'm not reaching out for him for any money.

I just... I just... I don't want to. I don't want to keep on relying on him to... I mean, he's helped me out. pretty much with every single apartment I've moved into. Like, I feel that I should be able to be able to move in an apartment on my own. I think so.

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Like in terms of you don't know what to do, you don't know what you want to do, you're just accepting all this help around you. And maybe you're not anymore. And honestly, I would appreciate that. But you do seem to be directionless. And that's going to hurt because even at the best, getting your commission, I mean, before taxes, you're bringing in $42,000 a year. It's not like crazy money by any means.

And it's not a cheap area either. No, and I'm in the process of trying to figure out a plan of moving out of the state of Florida. Have you, to where? Either to Iowa

or to North Carolina. I have two really good friends. One lives out over in Iowa and one lives in North Carolina. Okay. I ask someone from the Midwest, go to North Carolina. Okay. I know. Yes.

Yeah. You don't need to become best friends with corn. No. Now they're pig farms or Dutch County. Have you gone to school? Have you done education? That's high school. I went to cosmetology school in...

That doesn't pay much until you're pretty far into the career. Yeah. And I did not do a lot of research. It cost me about $6,000 to do. But you have your certification in it? Yeah, but I never did anything with it. Oh, you can still leverage it for an entry-level job. Again, the hours are a bit weird.

True. I actually have some friends in this, like current friends in that industry. So, you know, I get to see their daily lives. It's not necessarily also, like, what I want to be doing. Is that the only schooling you've done? That's the only schooling I've done. I have been thinking about going back to school for something else. it's not a cure all by any means but i'll give you obviously any tech certification that you want they

just came out with an accounting certification through course careers so that's good to add to your resume if you ever want just a booster so i'm able to gift you one of whatever you want okay i recommend them so if that's ever something you want to consider that's okay what do you want to do do you know what you want to do i kind of do um i i'm thinking about getting into the automotive industry. Okay, you're into that. I... I...

Why you have a shit Mustang. Sorry. I just hate... First off, excuse me, first off, I have a Mustang that's the S-197. Oh, has a naturally aspirated engine.

Oh, my goodness, aspirated! Okay, it's a really cool car, and I love it, and I know, like, I'm one of those type that I will defend the S-197 from today until tomorrow.

It's one of the best Mustangs that have ever been made, period. That's certainly a letter and a number. But I'm kind of like the person around my friend group that it was like known as a car guy. So the car guy.

I worked for my brother's company for three years. Oh, why don't you do that again? That's what I'm thinking about. But the thing is his company, you have to be an automotive technician. Yeah. Trade school? Yeah. Okay.

Yeah. So there's a program out by us called UTI, Universal Technological Institute. Now the better UTI, yep. The better UTI. They have a program with Fast Track with BMW, which has a scholarship baked in, which they would pay for your schooling. That's cool.

So I'm talking with the administration. They have an orientation on... This gives me hope. Now, here is a glimmer, a hope, in the conversation. I like that. That's good, and it seems like it's something you're interested in. Yeah, that's cool. I mean, you're not to your Mustang on a daily basis,

so I know this is something you like. No, of course, it's not a BMW, and you work you're going to work with well I mean with BMWs it's going to be a constant day-day basis with the amount of vehicles that come in with problems so I'm not worried about that

it's a BMW after all so not much it's okay I'm the enemy of the car world I have a Tesla and I like it and they hate it I kind of think Tesla's are cool it's fun to go fast yeah it is especially the Plaid model

yeah okay so yep we have the car payment let's keep going Disney Reward What the fuck are you doing Of the Disney Rewards card Okay, this Okay, this is the card

That I Took out because my mom asked me to Your mom asked you to? Yeah, and I should have, I... What do you mean she asked you to? She was like... I think that's the second time That's happened on the show

With this card. Oddly enough, sorry, go ahead. I didn't want to open up that card. Like, I kept on telling her I literally think this is the second time this has happened for this card. That's so weird. I really, really, really, really. Why did she want you to open it?

Because my mom loves Disney and she wanted a credit card if we... Why did she get one? Because she doesn't have that, she didn't have that grade of credit. So she wanted a fuck her son? I don't know. That's okay. In some parts of the country.

What? Yeah. Move to Iowa. Hey. but it just it just kept on spiraling i mean the credit limit was so high like okay this is going to sound did you guys put like a disney trip on this or how do you rack this up purchases okay so i mean i didn't yeah you're not a credit card person i'm not i'm not i'm not okay so i would close these accounts it's not it's this is not benefiting you use a charge card like the fizz card and at least that helps is that interesting you you're so

interesting to watch your eyes go you're just you're your you're yeah you're just like you're you're like yeah you're just like you're just like you're you're like you're like yeah you're like you're like I'm I should have mentioned earlier on like I'm kind of like dyslexic and I have like that makes you look at itching arms no I also like I'm it's kind of like undiagnosed like almost like autism almost okay why does everyone on the show that suggests they have autism say it's undiagnosed like can anyone go get diagnosed things? days please. I know. Like before we start saying we have things, can people please get diagnosed? It's like one of those things where I've had like quite a number of friends that just

bring it up and it irritates me because like the stuff that you're doing, like they're like, why are you doing that? Like why are you looking like that? And I'm like, I don't know. That's just me. It was just so interesting because I was trying to talk about this, this credit card and you're just like, that man's it in his arm. What is happening? Look, I'm doing it again. Look, check it out. Okay. Cool.

So, $2,367. $69.69 on here with a $57 interest accruing, kill me now. $40 a fees. Wait, what's the limit? You must be over it. Oh my gosh. Yep. 2000.

So you're over by $365. Yeah. $0.59 minimum payment is insane. It's only that way because when's the last time you paid on this card? January. January was a lot. time. I made a payment. That was a long time ago.

Yeah, it is. This is, like, I can't. I just don't know. Maybe I do know it's just, I don't even, to be honest, I don't even remember what I use is a card for. Maybe like Target or Walmart. I just, I just don't even remember. I don't even know what to say this one, because this is like what the fifth late fee is in a row. Yep, late fee.

It's hard for me to emotionally just like I'm so desensitized to that in this conversation because this is you're just nothing but late fees There hasn't been a non-late fee so far And you're late by six months now in this, five, six months. Summer seven. Yeah. Yeah.

And you're okay with that. You just accept that. You're fine with it. Like you just like, it's just like how is that okay for your life buddy I don't know any other I don't know any other way of dealing with this

I just I How many hours a week Where are you working in your last job 37 hours a week Okay There's more weeks There's more hours in the week than that And if you can't afford to pay your bill

Sometimes you do have to work more Sucks It's not like I'm like yay go do it I'm thrilled that I have to see this dude and work more hours. But if you got yourself into a situation, which you did, you did. You took out the car loans. You took out the credit card debts. You self-confessed.

A lot of this was just targeting bullshit. You need to take the responsibility to actually get out of it. At 25, this is insane. You're throwing your life away already. So young. I know. But. But you're going to give me a but?

I don't know. Like, this is all I've known. This is like, I just know that, I've always known, like, you use a credit card when, you know, you have expenses that you can't cover and then you pay it later. Whoever told you that? That's literally the opposite that anyone ever says in the credit card space. Well, that's what I was told. By who? Family, some old friends.

Okay. Well, they're stupid. Don't listen to them ever again if they mention anything financially. related to be clear. Ever. They clearly don't know what they're talking about. They're dumb. Yeah?

Yeah. Yeah. Yeah. Okay. As long as you know that. So there we go. It's the fourth one. Late, not paid.

Well, I have a feeling the fifth one's going to be the same. Discover. Let's see. Let's discover how to not make our minimum multi payments. We are at 2,800. $123 and $63. The account has already been sent to collections. Oh, good.

I haven't made a payment on that in over a year. Yeah, you don't give it much of credit. It's basically, it's 500. Cardo scores like 500 on here. Well, that one has the credit on there is 25. I'm surprised even got approved at CarMax. You're over the credit limit by, you know, $823. interest was accruing.

Now it's in collection, so. It was actually one of my first credit cards. So. And you just didn't pay it. I mean, you're eventually not going to pay your consolidation thing. You're going to fall out of that. You're going to find a reason and excuse to not pay for your car. It's going to get repoed.

I don't know. You're going to get evicted from your car. Where are you moving to? My mom. Well, you're moving in at home. I'm moving in with my mom. Well, you're going to save money with that. Yeah.

But you said you're considering moving to. This is after I finished schooling. So I have to... Oh, so trade school is like imminent. Yeah, I'm thinking of going to trade school because I need to start working on some type of career for myself. I've started to realize that I've been in a predicament where I'm just paycheck to paycheck. And like...

Hey, buddy, you're less than... You're paycheck to paycheck. You're not putting in your paycheck towards your debt. It's not paycheck to paycheck. I mean, whatever it is, it's like I'm in the situation where I have to move back in with my mom because I just cannot afford to pay rent anymore. JetBlue, it's the last card we need. You're past due $408.

Who would have thought? With a new balance of, again, I'm just desensitized to this. $773.44. It's sad. I don't have the payment due. It's more than half the card. Is this in collections yet? No, they want me to settle.

Sure they do. It's a joke. It's so bad. Your life isn't insignificant, but you're treating it like it is. This is just like my situation. But it's your situation that you got yourself into. True. Don't just say this is my situation. You've allowed this to be it.

Don't just sit there and just accept this. What else am I supposed to do? Action! growing up not taking from brother not listening to stupid people not sitting on your not quitting a job because you don't like it

not showing up late to work for a year you actually put in action I am gonna it's just I am angry for you that you just accept this as my situation that I'm in no

you got yourself here and you are preventing yourself from getting out of it. And that's a joke. You're allowing yourself to be a joke. You're not a joke, dude.

You're not. You don't have to be the punchline of this world. Stop! Literally. I know, but there's just, there's some... Oh, are you going to, just don't. Just don't. What the... What are you? But what?

There's just so much death. No shit. And you got yourself into it. Put me. I mean, like, where am I supposed to start, to be honest? How about let's get there and we'll figure it out? Student loans. Student loans? Yeah, that was for cosmetology school.

I mean, one of the benefits of gunned of the cosmetology school is I got my GED. 6,000. You dropped out of high school? I never finished high school. So you dropped out of high school. Are you paying this? I had it on layway until now in June.

So my payments start this month. They'll garnish your wages if you don't pay it for it. Fun fact. It's federal loans. They'll garnish your wages. They can do whatever the fuck they want, essentially. Okay. Pay for it.

Set all your debt. Pretty much. Yeah. Well, kind of. The consolidation, what's owed total for that? If that's the route we go down, that obviously takes away the cards, everything except for the student loans in car, right?

Yeah. How much is owed on that? So the estimate that they gave me was... Right, because they're still negotiating. I think was 19,000 for everything total. So it must include your car. No, there should be... I also had a loan with Best Egg, which was for 9,000.

Oh, my... Yeah. What was that for? Oh, that's insane. What is best egg? It's some loan company online. Okay, what did you get it for? That's insane.

25. Honestly, like, I don't remember why I got that loan. When did you get it? A year, a year and a half ago. A year and a half ago, and you don't know what you spend it on? No, I don't remember. I mean, like I said, like, there's just, there's so many accounts. Stop.

just stop. Buddy, I really don't want to hear more. Okay. This is just wild. It's a podcast. You have to talk. I mean, if you want me to, I can. Ah, this is just, this is just, I'm just, I'm blown away.

I mean, what? So they're saving you $3,000 total? So they're saving you $3,000 total? I guess so. And they probably have baked in fees. and all that you should do because they're going to make their money they're a company. It's not a charity.

Oh, great. This check-in-h has a dollar in it. It's a zeal and money. Zellin money. Zellin money. I don't really use that account anymore. Oh, you better not. There's a dollar in there. And whatever this checking account is. That is my main checking account that I have through a credit union in Florida.

Sorry for that weird smell, by the way. I promise no. doesn't just make weird farts all the time. It's that new plastic stuff on the ground so that people don't trip over the cords. You sure? He also makes weird farts, but... Okay.

$49 is in... Oh, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, $66 in this checking in this checking. What, did you overdraft? Did you overdraft? Did you overdraft in your checking? Yes. Once, like, two weeks ago, because I was waiting for my paycheck to come,

in and the money didn't come in quick enough. So that happened. They're making me a laugh with it. I can't control it. What? The laughing. No, because you said, yes, yes. I can't even do it.

Sorry. Do you want me to get it like on a tape or something? Because I can. I do have a cassette player. Okay. Some casting service for podcasting. You spend $6 on. Yeah, that's for

Podmatch, which I use for interviews for my podcast. You have a podcast? Okay. How much time do you spend on your podcast? Depending on a week. I spend between four to ten hours. Okay.

Congratulations. You no longer have a podcast. I'm proud of you. Go use that 10 hours and work 15 hours an hour somewhere. And we can start paying off debt. You don't get to just do a hobby. You don't get to do a hobby when you're not making your minimum wage payments. I hear you, but I...

What are you going to? Because I've been doing this for three years. How's that gone? It's been going really... I mean, it hasn't profited anything, but... Oh, well, it's primarily a hobby. Oh, remember what I just said? You don't get to do hobbies when you're not paying your minimumity payments.

When you're getting evicted. Okay. I understand that, but the thing is I do... Oh, don't. You're going to ruin it now. You're going to ruin this whole thing. I'm just saying that I do the podcast with my best friend. Cool.

And it's just a great outlet for us to just chill out, zone out, and I... I'll allow you to do 10 hours a week towards your podcast if you work in an extra 20 hours a week at another job. How about that? Okay. That sounds fun. Like, I'm not giving up my podcast. As long as it doesn't take... As long as it doesn't take away from you...

Well, first of all, how much... much money you're spending on your podcast? So it depends on the month because me and her, we split the expenses. I pay for our, the Captivate, which is what we use to distribute our podcast. Then there's Zencaster, which is for our recordings. You put, what is that? What do you mean? What does Zencast?

Like, what are you paying for your recordings? So Zencastr is because we do the podcast. virtually because she lives in Iowa and I live in Fort Lauderdale I do the to the podcast virtually Zoom Google Hangouts okay there's a problem with Zoom the problem with Zoom is that like probably doesn't sound as good yeah the problem with audio quality like especially when I need to do editing how much do you spend on the podcast on a monthly basis between oh I've given up 75 to 90 dollars you no thank you I meant that as a...

Like I said, it's a hobby that I enjoy doing and I've been doing it for three years. I'm like, it's important to me. Yes. That's the dumbest thing I've ever heard of my life. You are choosing a hobby of $90 a month and you literally told me you couldn't make your minimum fee payments.

That covers at least two of your minimum fee payments together. That's a joke. That's a joke. I'm insulted that we're even having this conversation at that point. That's a joke. That is what a child does. That's your basic minimum responsibilities that you signed up for. And you're choosing a hobby over that.

That's embarrassing. I don't even know what to do. Fuck me. Zelling out $600. Where'd that go? That goes, that was for rent. Zell your land? Lord? Yeah. He doesn't live in the States. He's actually...

Going inside a thing, getting some bullshit. Going to a liquor store. That's great. Let's do that instead of paying our minimum monthly payment. Uncollected funds charge $35. Actually, the liquor store was somebody sent me money to... Yeah, because they only had cash and they needed a card. So... ATM withdraw $33.50. Where'd that go? That's a minimum monthly payment. Where'd that go? ATM withdrawal Yes

Where'd that go I don't remember Oh good Good death What the what is happening I don't remember Every single transaction that's on My statement

Budget I can I couldn't tell you right now Every single transaction that I did But if you showed me my statement In a location I spent money I could tell you what it was You went to Drew from an ATM Two weeks ago

But it's a minimum monthly payment ATM foreign transaction transaction fee sending out 1,900 via Zell, so you paid rent twice? What are you doing? It's a lot of Zell. That's more Zellin than your rent is. Well, keep in mind

last month I had to pay for two months. What? Because I didn't pay for the previous one. I didn't know that. So keep in mind that I don't know things unless you tell me.

That's good. kind of why the expense. ATM would draw 173. Where'd that go? Are we conveniently not remembering that either? Do you know what the date is? Oh my, uh, 420. You better not, oh.

It better not be. Mm-hmm. It was. That's like three or four minimum monthly payments on your cards, but you're usually smoking over that. Okay, okay, let me... On Hitler's birthday?

Wow. It's a great day, but, um, that was, I had somebody that wanted me to like for example like we split the cost wonderful I'm glad

it's because someone wants me to do something doesn't mean I do it what the fuck what I care I think that my basic needs come before that yeah but she gave me some of the money I don't give a pay your payments you

ask me how much like that was so as far as I remember that that's what it was so great yeah enough to make multiple payments. You're a... Am I being an asshole? Okay.

One thing that's difficult about this job. I'll vent a little because usually I don't get to vent as much in the main show. I don't know sometimes because I just like this. Like I don't like don't pay attention to this. I just have the conversation.

And like I can get irritated very, very, very easily, especially in these finance talks and people excuses and all that stuff. And I can get irritated. And I never know if I'm going to look like an or not. because I mostly just focus on the conversation and then all of a sudden the episode comes out of that. Who the f f f*** knows?

I hope I don't look like a little, but I don't necessarily like you. That's okay. Very much. Well, that's not true. A lot of people don't like me. Okay, calm down. I think, no, you're probably an okay person. It's just like, I don't know.

You're just, you're both. I don't know. I don't know. I feel like I'm losing my mind. Is it Monday? Maybe I didn't get enough sleep. Maybe I didn't drink enough coffee? I don't know.

I don't know. I don't know. I feel like I'm losing my mind. Everyone's seeing the decline of my sanity right now on full display, and I'm just letting it happen. We are basically halfway through the year, and I need to make sure you guys are saving your money in the right place. In my resources section in the description below, you can sign up for one of the best high-yield savings accounts there are, but you can also get $300 for free with qualifying deposits. You can also get FDIC insurance up to $2 million on your.

money and get 4.6% on the money that's just sitting there. It's exactly where I put my money. Why let your money lose money when it could be making money? It's the biggest no-brainer in the world. Open up a SOFI high-yield savings account now and get that $300 for free. We're going and getting some vape getting some more vape you vape. Yeah, a little vaver. Yeah, let's destroy our life in another one. Going to the bar. Okay, but keep in mind, I am one of those people where I did get addicted to cigarettes. I was like a pack, a pack and a half at one point,

and then I switched to nicotine, like, around 2020, and haven't been off since. And I've tried to quit, I tried quitting this year for two months. Listen, I'm not going to put it in the budget. I don't even know if you're going to make you a budget. I don't think you're going to fall out. I have to. They get angry. The producers get

angry if I don't make someone a budget. It's like, way, I'd be nice. Okay. Taco Craft, Glitch Bar, out $250. What's the date? 425. $250.

I don't remember. Amazon, Tribe T. It's a copy place. ATM reversal because you don't have enough money. Inactivity fee for an account. Some park buy app? Oh, that's, we don't have park by meter in Fort Lauderdale. It's via smartphones.

Zell and out $600. Use Zell up. so much money. That zealous for my landlord. Okay, well, you've given him like $4,000 now. Like, what is happening? So some... You miss another rent that I wasn't aware of? No, the way that I do, what I did the rent was I'd send him two payments. So I would send him a payment at the beginning of the month and then a payment at the end of the month. Zellin out $10. Get in liquor, $43, $8, $84 again, enough for a couple of monthly payments. So by the way, you were lying again. Like, you could have paid your bills.

You're ATM a drawing. You're smoking it up. You're just, this is your... You're going to the bar. Like, yes, you could have paid your bills. You were spending money on bullshit. You were relying on your brother to bill you out. I can't respect that.

I have zero respect right now. This is horrendous. You lied to me. At the beginning, you just directly lied. Podmatch again. McDonald's. Yeah, let's go to McDonald's instead of paying our bills, guys. And then let's take money from our brother and say,

cry, cry, cry. I can't afford to live. But I'm going to go to McDonald's. getting going and getting tiquitos and zelling out $40 because we zeal every second of our life SQ and zelling out $60 and more

McDonald's because a McDub that's certainly more important than just paying our bills because we can't pay our bills because we're going to Fick Donald's Wham! When, the world's against us. Oh wait, I just spent everything a McDonald's! We got some... Shut the fuck.

All right, can I end this? Am I allowed to end this? Am I allowed to end this? That's... That's stupid. Sorry. It's a joke. Yeah, this is a joke.

$15 on pizza, Dunkin' Donuts, $28, Spirit Airlines, great. Wow, okay. Oh, $5 in wealth fund. We're going to retire. $40 in fidelity. Everything's great.

I'm throwing a fit right now. And what do you want, honestly, like, what do you want me to say? It's just, I understand that I've made a lot of bad decisions and a lot of poor choices. I just, I want to do things better. I want to be able to have better control of my finances and expenses. I haven't made a lot of great decisions, and I know that.

What do you think would change it? What have you been doing wrong? That'd fix it. I haven't been keeping a budget that's won. What would you do in your budget? Well, it'd be different. making certain things priorities such as monthly payments additional expenses like for example like what else would you change that we just looked at my spending oh interesting yeah yeah

said you couldn't afford a 35 dollar a month monthly payment you told me that you told me that that's a lie i thought i couldn't afford buddy you're spending so much more than that you're spending I'm bull-should. So much more than that. I'm bull-should. It's not a can't afford. You chose not to pay it. You chose.

I'm hoping this is your rock bottom so that you can bounce back. So I don't want to see anyone suffer. But you've chosen this. You've chosen this. It's... I don't like to... Do you have things that you can sell? I have.

From your apartment and stuff? Like, what do you have? I've been trying to sell. Like quite a few things. Okay, what do you have? I have a camera collection. I have a few cameras. I have a record collection.

Record. Okay, how much is the record collection worth? So I have a record. The turntable itself is valued at about $1,200 to $1,200. Valued by who? So the turntable I have is called a Sansui SR-838. it was Japanese and they were imported into the states in the late 70s. It's considered like one of the best,

it's not an actual belt, it's electrically driven. So they sell pretty well. They're pretty rare and kind of hard to find. I have close to 300 records that I own. Some records that I have are valued at about $2 to $300. I couldn't remember the name of the app. What does Discog say your collection's worth? You have it all on discogs?

I have some of it on discogs. I'd get it all in there, just see what it's worth and sell it. I would just put them up, private marketplace, sell that shit. Okay. I mean, it's... I would sell everything, everything you have. That would change your debt life because you could get out of some of these... I mean, $662.

I don't think you would need to do the consolidation thing, but not if it matters if you don't change your spending habits, if you don't change what got you on the debt in the first place. Right now, you can't spend it. anymore on your credit cards because you've over maxed them out. But if you pay off some of these, I'm afraid you're just going to rack them back up. I'd close your accounts. Don't allow yourself to have access to debt until you've budgeted for like at least a solid year and have been disciplined on it. I don't plan on using a single credit card ever again. You don't plan on it, but you haven't

changed your behavior. Change your behavior. Close your accounts. Okay. Okay. So rent's going to be nothing, right? With your mom? Yeah. Internet utilities, nothing. So right now, know what the internet is covered by the HOA. They cover certain, because my mom lives in a, like, over 55, like, adult community. So they cover her internet and other expenses. Do you have to pay for anything? Yes. How much?

I'm just going to throw out a number. About $6 to $700. For what? Grocery bills. Oh, this includes groceries? Yeah. And then also, like, for example, there is also, like, HOA fees that I have to...

That you're going to cover? Half of it, yeah. Phone bill? My mom currently covers right now, but... Dude, you're throwing away so much and you have so much support. It's crazy. When you have to get your own phone bill, do helium. It's 20 bucks a month off of T-Mobile towers.

We currently have T-Mobile. Yeah, it's great. Yeah. So, car insurance, how much? It's about close to $300. Gas, room, room, drive, drive. Surprisingly, my car gets pretty good gas mileage. It's about $30 a week.

$120. TP fund, $100, anything else you need to survive? You already said groceries. It's kind of thrown in that $6.50 subscriptions. You're not paying for any subscriptions. Copays, therapy, anything at all. My therapy sessions are about $10 a copay. And then my medication is about $25.

So how much a month? I'd say about $40. bucks. I'm so happy I get to grill Noah's lady. I don't know what else to call her. I don't know the relationship. That's going to put me in a better mood after this conversation. Nice. I'm going to put your normal minimumity payments in because you're going to start catching up on that. I'll just this consolidation thing. You'll obviously have to pay off the one in collections on its own, but your minimum fee payments are going to be about $5.25. That was really angry there for a second. It feels good to not be right now

but do not like the feeling of anger 1,735 is what you need to survive obviously 3,500 is what you're going to bring in after a few months learning the ways, learning the system, it's like 1,000 I can do that, 1,765 I mean, buddy, you can pay off the JetBlue can be paid off

in the capital one in the same month and you can pay off the synchrony the month after that. This is pretty simple. The Disney can be paid off in two months. Discover can be paid off an additional two months. It's nothing, dude. You can pay the shit.

Your Ford could be paid off in what? Six months? Seven months? Buddy, you're out of debt in a year and a half and you have a fully funded emergency fund. It's the easiest thing in the world. This is like beyond, this is so easy compared to so many people that come on

the show, mostly because you're moving into home. That's going to help. but it's so easy. You can do this and that's it. Well, that's without working extra hours. Work extra hours. Get out of debt in a year and save up a fully funding emergency fund. Trade school, how much is that going to cost?

Well, you're hoping to get it for free, right? With the scholarship. With the scholarship, it's about $43,000. $43,000. $43,000 if you don't get it? Oh, $43,000. $43,000. Because it's automotive technology and it's expensive.

It is expensive. But the thing is that pertaining to that expertise, like ASC certified technicians, it's high in demand. Yeah. What's the certainty of the scholarship? If at all. Pretty high, specifically of where I'm based in Florida. I hope you get it.

If you don't, I try to work as much as you can. I don't know about cash flowing. Maybe federal loans could help. It could be an investment because we need to get rid of these credit cards. And then obviously pay those off anything above 4% probably. Then minimum fee payment on everything else. But I honestly think you could be debt-framing a year, have a fully fund of mercy fund. Are you going to be able to continue your work schedule in school?

Yeah, so that's the thing also with them is they have a where they can help you get a job that works with your hours. Yeah, but they get you the job. Yeah, but how many hours is that going to be? I don't know. It's probably going to be around the same base pay as I'm making, going to be making with this company. Okay, but how many hours? I don't know. Okay.

So things are in flux. That makes this conversation harder. I think if you don't go to school, which I encourage this school thing. I mean, there's a lot of different paths. And as you approach them, feel free to reach out and we can help with each of those.

I think you have a way to make this good. You've taken a lot of excuses. You just say you can't do. You just accept this as your situation when it's clearly not. You can get out of it. You just need no more victim mentality, buddy. You need to actually put in the work.

Grow up. Take some responsibility, budget. It's pretty basic stuff, but it's basic adult stuff. And hopefully it's the first, hopefully you just need to hear it. And I really think you can be in a good spot. This conversation has dramatically irritated me. I hope you don't feel insulted from that. No, it's okay.

I'm kind of used to this, to be honest. Well, that's not good. Fun fact. But, okay. Yeah, maybe I talked to your third episode about that. Okay. Get me to the post show, please. Spending in a budget.

It's horrendous. Zero of ten, you're overspending. After even taking money from your brother, you have collections, so debt, zero out of ten. No emergency funds, zero out of ten retirement. No, you got like a cent in there. It's not going to count. Real estate, nothing. Every financial score zero out of ten, you thought it was a three.

That's hilarious. Make sure to check out all the resources. Link to the description below is there what I use or would use in specific situations, including the best investing course, best budgeting course in the history of the world. Sorry if I seem like an apple, but we're going to go to the post show, and it's going to be more fun. Today on the Financial Audit Post Show. He's very straight, and he just had a thing for many. Very straight, that man.

Caleb has body proportions that I have never seen. I have a big button before. That's what I'm saying. Just saying there's always the only fans. That's my retirement plan. It's going to be one picture, and this is going to be... I mean, it's... To watch the Financial Audit Post Show, click the join button below.