Financial Audit - Wimpiest Momma’s Boy I’ve Ever Met

Episode Date: March 29, 2024

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But you can't pay rent. You're putting it out of the car. Well, maybe, what if I just don't feel like getting a job right now? I just want it. Well, that's just the most childish thing I've ever heard of my life. Yeah, I guess it might be. How are you okay with being essentially a leech on society at that point? I guess I just don't want like a job that I just would find a boring.

I don't want a boring job. Be an adult. What do you mean? That's not a thing. I'm Josh. I am 23. I am based out of Dallas, Texas. And this is financial audit.

Well, thanks for coming. down to Austin. So for a living, looks like we are a golf caddy currently. That is correct. You say you bring in a certain amount of money on a monthly basis, like 1,500 to 1,500, which, first of all, not really enough to live.

No, absolutely not. But you worked three days last month. Yeah. Well, what's going on? Well, I get a ludicrous amount of money hourly when I do have work. It's a contract job. and if people aren't golfing in February, then I don't necessarily get the work.

There are months that are really good, though. So you kind of have to balance it out. What was last month? Not good. Okay. So what are you doing in the not good? I mean, you've told us specifically that you bring in what, like $12,000 a year, something like that?

If every month was like last month, yeah. Yeah, no, it would not be great. It would not be manageable. But in the meantime, I, yeah, not much else. What is your average monthly income? I'd see on average, if you look at the whole year, it's probably about $3,000. That being said, the statements that I was able to give you from last month and the time I've been a caddy, I've never reached that.

It's kind of a new position up there. You've never reached 3,000? It's a new position for the past two months during the winter, so I don't really have a way to tell. Well, then how can you say the average is 3,000? Based on talking to the other caddies and what they get, based on the averages that I have, based on how getting more loops would be extrapolated in the future. Okay, because it obviously is winter. There's probably less people out there. It's bad. How are you compared to the other caddies?

I am new, so not a lot of people know me, but I am very good, I am personable, and I'm very knowledgeable at golf in the game when it comes to mindset stuff. A lot of people like that. One guy I just went out recently said that I should get into psychology because I was really good at teaching him how to approach shots with confidence. Now, if I'm not mistaken, just from conversations we've had, you took this job as a downgrade, but because it has upward mobility? What is the upward mobility in this that you see for yourself? Well, here's the thing. I was working at the cart barn before. The cart barn is very, you know, it's basically a minimum wage job.

It makes the equivalent that Waterberger makes for the most part. 14 bucks an hour. 14 bucks an hour. Double minimum wage in Texas, but go ahead. But yeah. So as far as, you know, mobility goes there, all the members kind of, they're polite to you, but a lot of them really look down at you. When you get out on a golf course with these really high-profile people, you have the ability

a network and you can then kind of communicate with them at a at a deeper level and build relationships. What are you trying to network? What are you trying to get to? I don't know yet. I'm at a stage where I don't really know what I want to do in life and I'm kind of just hitting what I see is fun. And I feel like. Are you surviving? Fantastic question is I'm surviving via zero percent APR credit cards and I don't want that debt to snowball. What does the zero percent end? The earliest one is December 2024. The other one is sometime in 2025. December, 2024 is going to be here before you know it,

especially if we're only making $1,200 a month, which is what you claim in our pre-show interview that you're making. Also, $400 is what you brought in the previous month. You're right. It's the colder month. You're new, sure. But double, triple that. You're still not going to make it.

What's your rent? Yeah, my rent is $1,200 a month. How are you paying that right now? Yeah, right. It's 0%. You're putting it all in the 0%? basically everything goes to rent and then I have that makes sense then I want you to network sure network's cool but survival is also pretty cool building up a massive amount of debt when you're

coming from a place where your debt wasn't insane before you were starting the bad cycle that we so see so many people come on this show and be on the other side in yeah no it's definitely absolutely starting I would 100% agree with that then why why have you done this these last two months and not gotten like bacon. So here's the, here's the mental calculation. The mental calculation, the idea is that when I start to get requests and members start to know me, that's where you really make your money as a caddy. If I was able to start building relationships in the winter months when there's not a lot

of people, by the time the spring months came around, I get a lot more work and I would be able to pay it off. That being said, didn't necessarily work out that way. I will also say I got my first request last weekend and I'm super hyped about that. First request, how much does that cost? A request for you're going to get? It's an extra loop. So anywhere between the minimum is like, it's either 120 or 180 based on the job.

Average I would say you get about 200 with the way that you get tipped. And every request is going to be that. And that's extra on top of the cycle that the caddies have. Are you sure your mom's not just supporting you to live? I would say that she helps a little bit, but she doesn't help a ton. Give us, okay, give us the, that's an interesting mental calculation that you've done. because if I do calculations a little bit, let's just see. Hmm, interesting, interesting.

Typing a lot here. Oh, I found out that $1,200 a month in rent is slightly more than $200 that we're bringing in from a loop. It's also slightly more than $400 we brought in last month. So Mama has to be picking up the bills other than the extra you've been putting on. Now, now if she has offered and thinks that's okay. Yeah. But the fact that I had to bring that up and you not fully is the saying, yo mama be helping me.

Here's the thing. It was a responsibility. She's helping with certain things, medical expenses, and she pays for lift rides so I can get to and from work. So you don't have a car. I don't have a car loans suck. People have cars without car loans. Yeah, I guess. I guess.

I'm definitely not super well versed on that. But the other thing is I'm not permanently in Dallas. and that that's i'm i'm down here to i've been down here to visit my girlfriend and there's no she lives in austin no she lives in dallas okay where where else are you new york is where i'm gonna go home and i'm gonna go into school oh what the where is this cat no it's not funny where is this what listen your glasses buddy i'll give you a fist button for that but don't ruin it's already all right where's this caddy job uh not the actual location but like the city okay so something tells me that's a little more than a couple hours away from New York City.

And we're moving to New York City? Yeah. So this investment you're doing into this job doesn't even matter because by the time you move back to go to school, you won't be doing this caddy job anyway. You won't have had the opportunity to get it up that magical $3,000 that doesn't exist. And by the way, isn't an incredible living. It's like $36,000 a year. That's not like we're going crazy and buying jets or anything.

So I don't know why that was the number we're super excited about anyway, but even if you get to that, you have to be there. You actually have to dedicate yourself to it, but we're going back to New York for school? Yes, absolutely. So this doesn't make sense, though, does it not? Well, it might. I'm going to ask you a question.

If you're going to apply for a job, what looks better? One month of experience at a high-profile place or three months of experience at a high-profile place? Well, I guess three, but this question of high-profile place, experience of what? What kind of jobs are you applying for up in New York? So caddy jobs? Caddying is a contract job.

If I go back up to New York, I want to have a higher chance of getting a job as a caddy. I don't want to have to go work in a cart barn again. That being said, if I... Why do you have to work in... Is that what you go to school for? No, it's not what I go to school for. But that's where I would have... So it doesn't matter.

It doesn't, but I genuinely like the job of being a caddy. And I like you liking the job. I also like you being able to afford to live. I love that, too. There is the choice when it comes to that. And being 23-year-old, trying to make rent due, having, putting everything on a 0% interest card, having Mama taking care of transportation, moving back home in order to pay for school. We don't pick, unfortunately, our dream job that we want. That's not what wins.

What wins is you actually being able to pay the bills. And you cannot. Mathematically speaking, you actually speaking, you cannot. I agree. And I think that the struggle is, how do I keep this caddy job and in my other spare time that I have? Because objectively, I make a lot for, like, for three days of work, that is a lot more money than something else would be. And I have a lot of free time. It doesn't matter.

Leverge what free time. I need to leverage the time to be able to make more money. But you haven't. Exactly. And it's a failing. It's a direct shortcoming. And I agree. Okay.

So it hasn't worked. So we then, okay, if something doesn't work, we then try something. else. Yeah, but how do we how do we make it work? Like maybe it's not the correct path for you. Maybe you need guaranteed hours on a month, on a weekly basis, even if it's lower per hour, if it's giving you more in a

monthly result because that just correlates better with your personality, that's okay. This isn't your career. Yeah, it's not. So it doesn't, it honestly doesn't, I would rather do a job. I'd rather anyone do a job that they like more than a job they don't like. I want you to pay

your rent. Yeah. Before we continue the video, I want to take a moment to share something personal with you. Taking care of your mental health is something that I have preached on this channel since the very beginning. For years, I have struggled with anxiety and a panic disorder and I continued to battle it today. Along my journey, I discovered that seeking help wasn't a sign of weakness, but rather a courageous step towards healing and becoming more self-aware. That's where today's sponsor, BetterHelp comes in. There was a time when I believed that seeking help would make me appear weak or that I could become a weight on those around me. So for a while I didn't take any action in improving my mental health.

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or the personal connection of a phone call or video chat, BetterHelp makes it easy to start your journey towards healing. And the process is quick. You'll typically be matched with a therapist in 48 hours so you can begin receiving support when you need it most. Remember, it's okay to not be okay. And it's okay to ask for help. Whether it's therapy, speaking to a trusted friend, or reaching out to a professional, taking that first step toward healing can be transformative. Believe me. So if you're ready to take that first step toward improving your mental health, visit betterhelp.com slash Caleb Hammer or choose Caleb Hammer during sign up to get a special discount off your first month of therapy. A roof over your head is more important to me.

Graduating college without a massive pile of credit cards that you have to pay off that are at that point accruing interest is more important to me than a couple years of working a job that gives more money because it correlates with your personality a little better of not being able to work outside of the work hours that you're getting. Yeah. That's what matters to me. How does that not, how is that not what matters to you? I mean, I guess it definitely does matter to me, but I feel like there has to be a way that I can figure out how to supplement contract income without dropping the job and getting a different job. And I haven't figured that out yet. Like I'm okay with admitting I need genuine help figuring that out because that is a path that would work for me.

That does fit with my personality very well. What is really hard for me is standard nine to five work hours. I have really bad ADHD, which totally not an excuse for anything, but it fixes how my changes how my brain works and how I react to certain environments. I love contract for. What are you going to school for? I'm going to go to school for cybersecurity. Cyber security. Great. You might be working a 9 to 5 job. How are you going to

survive that if you can't survive it today? And I'm not knocking on your disorder by 80 means. I'm not saying you are. So that's a really good question. And from my knowledge and my understanding, a lot of cybersecurity jobs are remote, which inherently makes them flexible. That being said, there's probably going to be a couple of years where I do have to work in an office to build up experience to be trusted or not.

Remote is going down a little bit too. Yeah. Like in a more competitive job market in the tech industry specifically, though of course you can do cybersecurity and more than just tech. But tech's going to be a heavy player in that field. Companies are wanting people to work on site more. And if those are the jobs that an entry level person gets access to you, you might be showing up 95 for a bit. And if you're incapable of doing that now, I don't, I don't, what, so what help are you seeking? Are you on medication? You have, yeah, I have, behavioral help. Yeah, I've been going to therapy for a while. A lot of it hasn't stuck. Some stuff is.

It takes a bit. Probably, it's been about 10 years and I've been through things. I've tried four or five different medications. I've had a psychiatrist. I've, as far as that, you know, mental stuff, that's documented. And that, that doesn't, that doesn't really relate to the accountability of my actions, right? That's like, that's there, that's on the side. I need to manage that myself. And I've been doing that for the past 10 years and I'm trying to. That being said, there are certain things that work better for me and work worse for me. And my challenge is figuring out what does and what doesn't. That nine to fives are very standard. They're also very difficult.

And I'm just desperately trying to find a workaround so I don't find my life miserable. Right now, this caddy thing is a bit of a workaround and it is affecting me negatively financially. Yeah, which, okay. So not a great work around. I mean, yeah. Well, it just hasn't accomplished a goal in the end. The goal in the end is it needs to be something that you can deal with because of your personality and also pays the bills.

If we fail either one of those, then we failed. Well, that's where I feel like. So you're giving up one issue for another issue and that's just not achieving anything in the end. If you can't pay your bills, what happens, man? Or out on the street. I mean, and that's probably worse on my mental health than anything else. I mean, well,

that'll be worse to your mental health than anything. Oh, yeah. And you said you quit the job so that you could go here and get upward mobility. What's this upward mobility that you're achieving anyway? Because, again, it's not a career path. You're making some connections.

I don't even know what those are. So a lot of really, like, do you follow pro golf at all? No. Okay. So if you look up a couple people, like,

they come out to that club. That's what is his home club? What are they going to do for you? They're not going to do anything for me immediately. A lot of the caddies there have caddied for them. Some of the caddies there have caddy for time. Once you get these connections as a caddy, you will start to make more. It's a very slow start thing.

But you're only going to be doing this job for a couple. So what's the f***ing then? The logic doesn't work anymore. If I come back to Dallas, which isn't if I do have a girlfriend that lives in Dallas, I will have that connection at that club. Now, you don't know what your future looks like, do you? No, I did. No, but nobody does.

I can only go with the first and now. No, you're right. Sorry, I phrased it in a wrong way. You don't know what your future looks like, but you should have a plan. I have a very rough plan. What's the point of going to college if you don't have a plan? What's the point of doing a job that doesn't have a future if you don't have a plan? It's okay if you do any of them if it's leading you to a certain goal.

What's your goal? What's your plan? Where do you see yourself? That's the question. Where do you see yourself? Things change. We don't know the future, but where do you see yourself? I could end up in Dallas.

I could be in New York. I could be a caddy. I could make connections. I might be in cybersecurity. There's no plan there. There's no where I see myself. You're just a throw the dice and hope to get a 20. Yeah, it's definitely, it's like,

it is a little like gambling for sure. But I can't push back on that. You're right. There's no real cut and dry plan. I think that being red team on a cybersecurity, job would be fun, which is why I think that pursuing that would be good. I had a little bit of a stint of I don't want to go back to school because I'll make my own way and blah, blah, blah, you know, internet red pill stuff. And I thought about that a lot. And I was like, as much as this

is possible, I've been failing with consistency so hard that I need to go back to school. And the jobs that are available for people without a degree because so many people have degrees now are so bad. Like even if people who have degrees aren't getting jobs, the people who don't also aren't. Well, jobs in certain places. Yeah. Yeah. Because right now, I mean, the labor market, like still, you could go get a service-based job. Yeah.

And they're still very much in demand trade school jobs. And that's not a degree. It's a more of a certification. So, I mean, the one-size-fits-all doesn't work. Yeah. I've never liked the don't go to college. College. College is bad. Yeah.

And I don't like the you must go to college. College is great. And it's the end-all-be-all. Nothing is one-size-fits-all. You're going to have. your own path and own journey. What about, I mean, you know, I always talk about tech certifications through course careers and those are great.

And there's one of my best friends here who makes over 100,000 hours of your own cybersecurity, went to a boot camp and doesn't have a degree. You consider it a boot camp. So I actually am certified with cybersecurity through Google, through the Google Career Certificate. It has not landed me an interview. I've applied to over 100 jobs. It is really hard. Well, the things I like about certification.

Well, the thing I like about certifications is that it's a good boost to a resume. It's a good boost. Exactly. It's not the, okay, I have no experience in anything and this is all I have to say to my name. It's a great, you know, thing to push you over the edge. And that's why I feel like I need to. And also your resume, my resume, my resume is totally, I have no idea how to make one of us. I am no, I'm getting into.

Yeah. Bachelor degrees are gay. Again, I'm not against it. Yeah. I'm against it if I have to pay a ton of money for it. That's when I'm against it. If it's not... What's your background with education? You're 23. Yeah, so high school was really, really rough for me. I effectively tested out of high school. I really didn't show up, didn't really make the seat time. And I took all the state mandated tests in finals, and I passed every one of them. So they put me through, and I have a high school degree with honors. And I went to college for a couple years. COVID happened, and I fizzled out with everybody else. else because I was already dealing with the strike. Well, not everybody else, but some people did.

A very large portion of people. A decent amount of people. Yeah, they're like, I'm not going to pay the full price for going online. Yeah, and well, everybody had their own reasons. Mine was basically, I'm struggling super hard when it comes to school anyways. A lot of the world is taking a break. You can afford to do that right now. Okay.

But now it's time to go back. It's been two or three years. So how much more schooling will you have left for the cyber security degree? It should be about, it should be two to three years. It might take long. based on if I need to get my GPA up to go to a certain school. I don't know. It might be the main plan is to go back to community college,

get an associates, and play up a year from there. I have some plans, but they're short term. They're not like, I don't have this goal in the distance. That's like, this is my life plan, you know? I know one of those plans was kind of weird. You're chasing some scholarship. I was told. Yes.

And I'm confused. So what's the college you're looking at going? So I'm looking at, I'm looking at, I'm looking at, different things. Right now I'm going to go to community college for a year until next year. That's for sure. That being said, I'm kind of laying down some connections for a scholarship because I need some kind of scholarship. What's the scholarship? It's for gaming. I'm a very high-level gamer. I play Overwatch is my game of choice. High-level gamer, but you're the third best in the lobby that we went to that we have access to. Your damage is third best in the lobby. Yeah. Okay.

All right. So, so. Your overall. So people who have seen that, including coaches at different universities, have looked at that. They've said they thought it was a very high-level lobby, which it is. Sure. That is a lobby. So they're going to give a scholarship to the third best KD ratio versus number two and one.

All right. So I'm not going to fully expand Overwatch2, which is okay. But there's a lot of different jobs and things that happen in games that don't directly rate to your KD. Did I make mistakes in that game? I've looked at and I've been like, you know, we could have won if I did something else. Absolutely. That's part of improvement. Oh, because that was a game that I lost.

I shared that one because that was one that I saved for some coaching because there's no reason to look at games where you just totally popped off and beat everybody because you can't learn anything from them. That was what I had on my Twitch. That was what was using said. You can't learn what you did well and make that even better though. It's harder. It doesn't really make sense. You can, but it's harder. I mean, I get learning from failures as well, but it doesn't mean you can't learn from successes.

Either way, regardless of how. good you think or don't think I am. I have stats to back it up. I've been ranked 41 in North America multiple times. I have that. Where you're ranked there now? Somewhere in the top 500, like 200-ish, I think 220 is my season. Why is 220 getting the scholarship versus one? Because one is pro and not everybody's going to college. Not everybody there's going, the collegiate scene, that's crazy good. That's enough to get a scholarship. Colleges who want to have a strong e-sports program. And the college you're going to wants to have a strong use sports program?

Well, one that I'm looking at pretty extensively is up in Massachusetts. I just don't want to disclose any names or amounts because I don't want to. Which is going to be out of state, so it's going to be much more expensive. It is. Is it a private school? Yes, it is. What's the scholarship? If you get rewarded the full scholarship.

It's, I don't want to give you a direct amount. It is a, it's a, a range then. It's equivalent to an athletic scholarship for, like, football, like anywhere. Like, like a full. Okay, so full ride. it's over... If I live off campus, it's very close to a full ride. It's like 75 to 80%.

Okay. Room and board, which I think I might not be... How many people get awarded the scholarship at a university like that? I would. How many people? I don't have a number for you. I haven't looked into that enough. But what I'm told is top recruits awarded this would be awarded this scholarship.

Why don't you have it yet? I'm not going to college yet. I'm not going to that school yet. But if it was paid for it, it wouldn't matter. You could go there. Community college is a great way to go more affordable for college, but if college is free. Yeah, so it wouldn't be totally free. It's just very low cost. You said it would, if you lived off campus, it would basically be...

Yeah. But still, like, if you're looking at a school... If it's basically free, though, that still might be cheaper than community college. It might be, but I have to run the numbers of that, and I haven't yet, because the plan is to go to community college to live close to home as well, so that I don't have to be away from home and, like, struggle with all... You're not really doing well with school. Like, get your academic feedback for a year. year. The price is comparable. Maybe fix your GPA. I don't know if my GPA after tanking out of college could qualify for this school. Even with them looking at me for gaming and saying we want you, the GPA is still a factor. Have they, in the conversations of the scholarship, for someone who's in the top 500, not top 100, top 100, top 500, what have the conversations been of, hey, we want

you? How's that good? Depends on the school. I typically just kind of, of right now. If it depends on the school, then it typically means a more mid-program is going to be the one that's offering it. Academically, yes. That being said? Well, the sports program. Oh, yeah.

Well, why would ever, if you were the top of the class in terms of recruitment, I'm sorry, I'm just trying to get a full understanding on this. I know I'm pushing back to something. Yeah, no, no, no. It's just hard to explain because there's not like a ton of knowledge in the area. I'm trying to communicate what I know, but I'm not somebody who works at these schools, so I don't have full picture. I have some pictures.

If I was a pro player, there's one school that I could go to, which you can look up right now, very, very top Overwatch team, I'm not good enough to go there. I wouldn't be able to qualify for there. There's a bunch of other schools that are also very high in collegiate that they would want me to go there. I don't like Maryville academically. I like someplace like, for example, Clark University. I like that academically a lot better. Even if the program might be a little lower than Maryville, I don't want to strive to go to him. I like some place like, for example, Clark University. I like that academically. I like that academicallyally. I don't want to go to. I don't want to strive to go to. I'm Maryville because I want a good education and the point of this is to leverage a scholarship. The point of this is not to go be a pro player. Like, would it be really fun to like take a year and do that if I improve to the level where that's like good? Yeah, but that's not the end goal. Is that why you're investing money into like a professional coach? Yeah, I mean, how much money have I invested into a professional coach?

That's a fantastic question. I've had one session so far with him. Okay. And he has connections to $35. Oh, here comes the connections thing again. Yeah, so you cannot tell me. connections are not useful. I know I fall back on it a lot. No, no, no, no. I'm not saying they're not useful, but a lot of people justify a lot of things in life based on connections that have never gone anywhere. I hear that on this show all the time. So what are these massive Overwatch connections? It's it's just it's good to be known in the CNN. It's good to be known by somebody who works at a top level school that I might want to go to. Okay, so connections in the school. Yeah, directly in a school that I might want to go to. And I'm not going to. No, no, you don't have to say the name or anything like that.

But isn't at this point if your mom's taking care of all these extra bills, isn't she essentially paying for the coaching in a way, indirectly? Indirectly, yes. How many? Okay, I don't know about that. She pays for transportation. She would not give me money for coaching. Isn't she paying for community college once you go there?

For community college, yeah. But how does that? And then she'll be taking care of your rent as well while you're up there. Well, you'll be living at home. Yeah, that's the plan. save money. My lease is up in April down here. The plan is not to continue with a rent bill. The reason I'm moving home is because rent, like, everybody has rent. Rent sucks. Yeah, but everyone works and pays for their rents. Yeah. You don't. How many hours a month are you putting into Overwatch?

Definitely more than my job. Okay. Doesn't the big boy maturity thing mean let's go, at least take care of our bills first before the video game? Yeah. And as, a video game nerd love them i focus more these days on like strategy games that's kind of my thing that i've fallen into and like building city games but yeah um they're very fun and i pumped many too many hours into them but before i do i pay my bills yeah yeah like an adult okay i mean i i don't i don't i don't have anything to really disagree with you like what you said is objectively correct and i i don't have i mean you worked three days last month and you streamed 18 days.

Yeah. Oh, sorry. You worked three days last month. Well, how many days? Oh. When was the last time you streamed? Because I know you do some streaming. Yeah, it was a while ago.

It was, I really wanted to start it back up. And my girlfriend and I kind of went through a rough patch. And we were, you know, at that point, she kind of just took the PC that I was using and I haven't really had access. Okay. How often do you stream? I would like to stream every day for about four hours. Okay. Do we do that again when we worked three days last month?

I want our priorities, man. Well, I can't just get more caddying loops. If I don't have them, I don't have that. No, but we can work another job in the service-based industry at the minimum, at a minimum. You know, they have Summer Moon up there, summer moon coffee. Yep in the Dallas area. They do. Yeah.

It's just, this is, just walk with me here. It's an example. Okay. I'm addicted to moon milk currently. That's very good. Yeah, it's, they're like creamer. And so every once in while, I go in there and I get some from the office. The manager, the other day, recognized me. He was like, oh, Caleb, I love your show.

So if I was like, oh, thanks, we stuck up with a conversation. He was like, dude, anyone you talk to on your show who, like, says they can't get a job. Please, dude. Just, like, force them all to come here. We pay $25 an hour for, like, the easiest job ever in the history of the world. Please, we literally just need humans to come here and just stand for a second. You can get a job that pays money, man. And work more than three days a month.

I don't care if you can't get more loops. You have the ability to work if you want to. You don't want to. You stream instead. If you can get a scholarship, fantastic. We looked into the scholarship a bit. You talked about your ranking. You're putting a bit of a bet on it.

And that's okay. A lot of people do when it comes to a good. going for sports scholarships and stuff like that. And this is very similar. Same with music scholarship and stuff like that. I got a scholarship for my music, not as extensive as a full ride, not even close.

But even still, we're putting a lot of weight on that instead of being able to pay our bills today. But you can't pay rent. You're putting it on a card. Well, what if I just don't feel like getting a job right now? What if I just don't want to do that for a couple months? Like,

what if I just want to... Well, that's just the most childish thing I've ever heard of my life. Yeah, I guess it might be. How is that okay? How are you okay with being essentially like a leech on society at that point? I just, I guess I just don't want like a job that I just would find boring. I don't want a boring job. Be an adult. What do you mean? That's not a thing. What?

Boring jobs. How are boring jobs not a thing? Did you ever work a job where you were like? No, this is not an, that's just not a thing that is like real world. Like that's not a, I don't even know. I don't even know how to like phrase this because that's totally. No, that's not, I'm not saying that. I'm saying the thought you had is like the stupidest thought I've ever heard. You're free to think that. What the fuck are you? That doesn't make sense.

That doesn't coordinate with your ADHD, does it? Lboardom. Oh, that 100% does. It coordinates, but it does, I mean, I guess. Yeah, that's what I'm figuring. What about like delivery driving for like Jimmy Johns? That's what I did. It's not boring.

With what car? Well, that's true. Sorry, I was just going off of my own example I was trying to think of like What did I do through college that wasn't boring And that wasn't boring So it doesn't I don't know

I mean I think walking out of a golf course is boring But yeah I have different things We agree to disagree on that I mean I guess there's not you know with I mean I think driving over the like Sand pits going way too fast Dangerously in a golf cart is very fun Yeah

I think the courses Tony Romo would love you, dude. That's what that dude does. Yeah. All right. So on one of these cards, that is currently 0%. The Capital One Saviour, $1,215.34. The $25 minimum minimum payment.

Yeah. It was making minimum monthly payment's bad. I mean, you got to keep that going, right? What? What are you talking about? No. Yeah, you put a minimum monthly payment towards it. You didn't put anything extra towards it.

No, not right now. And then you put $836 against it, new transactions, bringing it up from $604 to $1,215. Great. Oh, it's just going out to eat, so it doesn't even matter. 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.

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Michael Cors, Adidas, 108 bucks from Adidas. Is that for golf cadetian? Those are all tax deductible, which is cool. Bush, no golf. Oh, because you're not. contractors tax deductible with what income what are you talking about ambit waterburger waterburger sonic McDonald's taco bell taco bell and joe's pizza so great what are the things we're actually putting out a zero percent interest credit card going out to fcquit you have to eat you have to

eat food like i what is this world what is this society what have we got into if you ever heard this wonderful invention called a bag of chips or a sandwich or lasagna do you do you know like Like, when's the last time you went to a store and like tried to buy things to make those things? I go to the grocery store like once a week. Last time I went to the grocery store, I bought water. I bought a case of, you know, the drink ice, so I hadn't buy as much drinks out. And I bought bread. Oh, that's a bag of chips.

Oh, yeah. And I was at Kroger and I was trying to buy things that were on sale with the Kroger car to save money. It was $37. Okay. Most of that sounds like the, the, ice thing. It was, that was 11.

Yeah. And then what was the water? A bag of chips? What water? Like what? Ozarca. Like a big old thing of like a bunch of individual packs of water? No,

it was so I actually, since I was using like a lift to get home, I didn't want to carry, like figure out of a lift and up my stairs. So it was two small packs of like six water. Yeah. Bottled water. Okay.

Well, bottle water is kind of an expensive way to go about water versus a water bottle one-time charge for $5. Yeah. Yeah. But, But realistically, is that going to make or break my financial situation? Like, that amount. What do you mean?

You put it on a 0% interest card you can't pay for it. When we did our budgeting program, which you get to go through for free, congratulations, we put together a grocery budget from H.E.B., which you have access to up in Dallas. I personally don't have access to an HB. It's too far. Okay. Well, either way, it was just an example of a grocery store. Oftentimes on grocery stores, what you can do is when you have a item,

that you need to shop for, you can sort of buy cheapest to most expensive on the website, and you can find where it is in the aisle. And what we do are the free pickups. Not every grocery store offers that. But what we did in the budgeting program is laid out 2,500 calories a day, plus snacks and desserts, all that. $300 bucks a month for a single person. You are spending $20 a meal going out to eat. $20 a meal going out to eat.

How many, how many? What do you eat for breakfast? Do you eat breakfast? No. Okay. Lunch. Do you go out? 15, 20 bucks in that round.

Okay, then dinner. 15, 20 bucks in that room. Okay, so 17 plus 17. 17 plus 17 plus 365 days a year. 17 plus 17 plus 365 days. Divide that by 12. Yeah, that's $1,304 a month versus the 300 hours a month

if you went to the grocery store. I've never been able to go to the grocery store and do that. Then you haven't budgeted. You haven't meal prepped. You haven't placed. planned. You walked in there and you bought you didn't plan. I absolutely did not plan. You're correct.

And the other thing though is So no, it didn't work. What are you? It doesn't make sense. What kind of argument? I guess it doesn't make sense, but then it also comes down to like, one, if you eat at home, the food is not just free. You have to still spend that cost. And then you're on top of that. Yeah, $300. Yeah. Well,

you're on top of that, I have to buy a bunch of cookware. Does it make sense to buy a bunch? You don't have anything. I have nothing. Buy a pan. A pan. You can multi-use. If one has lips and one is flat, you can multi-use it and wash it between things. Then get one fork, one knife, one spoon, one bowl, one plate, you win.

What is? Yeah, I guess. That sounds like a ton of effort. It sounds like a ton of effort. Well, you're just lazy then, and you're not going to get anywhere in life with that attitude. It's as easy as that. Work three days a week. Ma-ha.

Not get a single piece of cookwork. Ma-ha. this is being a lazy little Yeah, I guess I guess there's some truth Okay, stop. All right. Freedom card. If you give a shit,

which I personally think you do from the pre-show talks and everything, if you give a shit, it's going to take some work. That's obviously your hard part is not being lazy and actually dedicating yourself and seeing things through

and coming in with plans. Minim monthly payment on this one, 40 bucks. And that's, So you put towards it, Shocker, and we've added an extra $655. We're just bringing these balances up, and that interest is going to start accruing, and it's going to fuck you. Now it's at $1,040, $21.

Oh, what did we do? We went to McAllister's Deli, Pizza Hut, Pizza Hut, AMC Online, so we went to the shit's movie theater that exists. Great. Popeyes, some puttery, Portillo's, Pizza Hut, Steam. Great, I thought you only played Overwatch. Cookshack. Huh?

You got to branch out sometimes. You can't just play with a year. Cookshack and Telet bar. Interest rate on this guy. It's going to be about 30% when that kicks in, dude. It's not going to be good.

That's 2025. And you're just building it early 2025. You're just building it up. Actually, technically, less than a year from now, now at this point. Yeah, that's, yeah, that sounds right. No, just about a year. Yeah.

And you're just building it up. You're like, yeah, I'm not going to work. Building it up, building it up. I'm not going to bring in any money in order to pay it off. building it up, building up, and it's going to fuck you. And you're going to be in the middle of college. Interest is going to be accruing.

Like on the student loans you already have, even though we haven't completed college. I was just like... Well, those actually aren't accruing because I... I don't think I deferred them, but I applied for a plan where they wouldn't accrue interest until a certain point in time. Yeah, interest has occurred, though. Yeah. I think it accrued pre-COVID, I want to say.

The belt card. That's just rent and it gets paid off every month. Better, I don't know how you do it. It's... You made $400. You have to be... You have to be getting money from someone or somewhere. Well, I had, so before I switched my job, I had a bit of money saved aside for that month's rent.

And I held it in my bank account, so then I added it and then I made sure I did that. Now what's the plan? I didn't have a plan past that. I thought I'd be making more money. Yeah. New plan, get job. That's what adults do. Yeah, I think that finding a supplemental job would be a really good idea.

and I've genuinely been struggling with that. In what ways? A lot of the jobs that I have applied for, which, you know, ultimately, I guess, isn't too much. I try probably only about a week, and then I just kind of gave up. Well, that's obvious. Yeah, well, a lot of them just wouldn't take me, wouldn't respond to me because I had another caddying job

where I wasn't able to, like, commit to a shift. Because if I get called into work, I'm going to pick the thing that I want to do more. I don't care about what you want, though. I mean, I always will. Yeah, I mean, I... Always will? I will care about what I want to do.

You put your wants above your needs. You will always put your wants above your needs. If so, this conversation is pointless. Okay. To be honest. I don't think that that is a true statement. I don't always put my wants above my needs. Right now, I just said you always will, though, so...

Well, I know. I said I always will care about what I want. I never said I would always put my wants above my needs. I can care about my needs. Two. Okay, well, that's not how I took that about. Sure, okay. I will trust you and say that's what you meant.

So if that's the case, then today. When do you get back on? When are you moving back to New York? April 14th. Is a job going to hire me for a month? What was the point of this whole networking thing that we took advantage in the can't anything? Because if I come back, I have the connections. If I work another job, that money disappears.

I don't know where I'm going to be. You're just building up debt range. Yeah, the debt money's disappearing. Future money's disappearing. Future money, yeah, that's true. Student loan somewhere at 5% right now. You're not having to pay it. The status is in repay, but it's in the loan program you're in.

But interest, no, your interest is still occurring. You're incorrect. Your interest is still accruing. You don't have to make payments right now. You might be on some income-based thing. Yeah. And you're not paying any interest. Your interest is accruing.

Your total principal balance started at $11,000. But what you're going to pay back in total at the end on your current path is $23,318. Does that make sense? Yeah, I don't. That's with interest being paid. Yeah, I don't. That's insanity. It's a lot.

I don't plan to make it go full term. What do you mean? I don't plan on like paying off. I plan to pay. off more of the loan with what income with right now nothing right now nothing exactly so how does that change in the future i guess that's the future thing i haven't directly thought about that oh that's such a dangerous mindset that's such a dangerous mindset that's not how this works that it is an instant good feel good thing it's a sigh relief when we're just like we're not going to worry about this

today it's a tomorrow thing yeah it does there is trust me i get that feels good that's not what an adult does. Yeah. And congratulations 23. Welcome to adulthood. You've been here for a couple years now. Now it's time to level up. Yeah. I mean, reflect. That's the plan with school is if I can go back and do it with smaller amounts of debt, I will have a better pay.

Yeah, but with school, what if you don't get the scholarship? Because you're banking on it. If I don't get a scholarship, well, I'm, it's, it's pretty, I'm not going to say it's like, sure, but I can get a scholarship somewhere. Let's say, let's say the likelihood is high. It's very high. Well, let's say it's high. There's still a chance you don't. What happens if you don't? And that's an if.

Well, it doesn't that go against all the other stuff of like having a plan? Like the plan is this. It's banking on a good idea. I don't want to take out a bunch of money for student loans. No, no, I know. A plan. So the plans I usually talk about, there are more plans where there's steps along the way to execute in order to hit a goal. What your plan is relying on is hoping to get accepted into something. There's a lot more out of your control. there. Yeah, it's definitely kind of a backwards mindset. But I would say the steps with this are

continuous improvement and keep in contact with people who know me and know that I'm improving. And then, you know, there's the goal of stuff. Do you think you might be relying too much on this hope that other people are going to be the ones that save you? These connections that you formed. Networking

is not a bad thing by any means, especially in the industry you're trying to do you know, your career in. you're like taking a big bank on these other people on this scholarship a lot of things outside of your own control it is a big gamble I guess if you put it that way yeah but I but

so why not be the one in control well I I am not in control financially that that is that yeah I mean okay but to make the argument that I'm totally out of control is wrong I'm in control with my skill level I'm in control with yes well whether or not someone accepts you There's also the academic part.

Well, that's in my control, too, is improving my GPA at a college in order to get accepted. That's totally in my control. What's not in my control right now? What can you improve your overall GPA too, even if you have a perfect semester, perfect two semesters of community college? What will it improve your overall record to? I don't know. I haven't I have not looked at that. Shouldn't we know before we're committing to this big plan?

You're already planning to move back to New York to execute this, but you don't know what you can raise it to overall? I don't know the specifics, but I do know. I have to go to New York anyways and college come. Why? Well, I'm not, I can't pay rent. I can't afford it. That's where it's really obvious. Well, yeah, but that's because you're choosing not to work.

That's a choice. You could live here if you wanted to. I, and also what about your relationship? I mean, that's gonna fuck you with your relationship, right? Aren't you down here together? Yeah, but we started long distance. Okay, and you're gonna go backwards now. In that aspect, yeah.

I also, it's- That adds extra stresses to life. It does, but it also, quite honestly, I'm not, I don't really like it down here to the level that I'm mentally like super okay. And that's something I really have to be honest with myself about. And I have to say, hey, I want to go home and I want to make sure that I get mentally okay. And that's once again, that's that stuff that's over on the side. Sure.

That that factors in everything. But I don't want it to affect the accountability of what I'm saying. Well, I'm down for that. If that's the reason you said from the beginning, I'm totally down to that. But you said I can't afford to live here. You can. You can. You're choosing not to. So. Okay.

Okay. Yeah. I'll concede on that point. So in the cash app, we're just sending money to someone and we're just transferring money out somewhere. So really not much there. And we're using Fidelity as a checking account. Started with a lot of money. And we only ended with 1,000.

Yeah, you know what? There's a lot of relying on other people with that stuff where you're looking at start a lot of money ended with. And it's, I had some stuff put away. And then when I decided to stay down here and, you know, pursue the relationship, I put a deposit on an apartment and everything kind of. Is you at least up in April? Yeah. Good. That's, yeah.

I only got a six-month lease because I, as much as... You were prepared to fail, weren't you? It usually doesn't set us stuff for success. I am, as much as you're saying that what happens if this doesn't work, what happens if this doesn't work, I always tend to put up contingencies that prepare my worst-case scenarios to not spiral. So that's what I do. And it's like, it's a, it is flawed. contingency of example, I'm in debt right now, I'm home in a month. That's the contingency. I can't accrue a sh-hundred more debt in that time, even if it sucks.

It's not going to be- Wait, wait, wait. Like, there's no way for me to, if I can, if I'm just, if I'm just paying for food, going out to eat a thousand hours a month. Okay. I can probably save money by eating at home. I, I, I, I, I mean, $700, mathematically. I have never, probably, we'll be able to do that in practice. Go through our program. Okay. All right. Maybe with your program.

I'll over send that point, but right now I will. If you actually fall. I don't think you will. Yeah. All right. Sorry. Go ahead. All right.

Well, so the other aspect of that is realistically, you just said yourself that you go get lattes and stuff or moon milk, right? I don't have bad debt. I have a fully funded emergency fund. And if it's in my 50, 30, 20, you have bad debt. You do not have a fully funded emergency fund. You are not in your 50, 30, 20 period of your life. I can afford it.

Yes. I agree with that 100%. With all of that, realistically, is somebody going to be able to hold to that plan? And I know myself... I would find it incredibly hard to hold to that. There's certain things that I would, in practice, I would buy the groceries and I would still buy food. And it was always when I was doing that. And it was every time. I... Well, you didn't go in with a plan. You said that before. I didn't. Well, I actually did multiple times with Aldi. And I... Well, now you're lying then. You either lied before or... you're lying now. Choose which one. I didn't fully finish what I was saying before. Okay. There have been times I've gone to Aldi. I know that I've used with cookware and stuff. They have like kind of pre-prepared stuff that's a little cheaper. And I have tried to keep to a decent plan. I spent about, I spent like 100, 150 bucks and that was one week's worth of food. And that was... Even that will save you so much money.

Yeah. It, in theory it would. But then I was also like, my girlfriend asked, hey, do you want to go out and grab this thing because if I'm just buying food for myself, I'm going to go do it. And in practice... Don't start pushing blame. You can say no. You can say no or you can say I can't afford it and that she might offer to pay. I'm not pushing blame is I would always want to go do that and I would always want to go there. And I would be the person who would always be like, yes.

And I would sometimes I would pay for her too. And that's just what I wanted to do. Whether or not there's blame that that was a decision, that was a choice. But again, what's more important than wants? Needs. Yeah. So you have a lack of discipline. Yes.

And, you know, that's okay. It's lack of discipline. We will get you the discipline, lack of accountability, lack of plan, preparation, a lot of things. You just have to be willing to change that. And if you are, but you've already set yourself up for defeat. You said, I'm not going to be able to do this, is what you said. I set myself up for failure a lot.

I put contingencies in place. Contingencies are okay. That's what an emergency fund is. It's a contingency in your financial life. But sending yourself up for failure is not okay. You're giving yourself a preemptive excuse to fail. trust me it's not going to be perfect when i was getting out of debt and i went hard and extreme i had slip ups i was not perfect of the average people on the show who paid off eight thousand dollars

or seven eight thousand hours in seven months or the median six thousand dollars and six months um from getting my numbers right they had slip ups along the way too it happens but preemptively excusing your future slip up is unacceptable because that'll just spiral man that'll just spiral That's justifying. It's making it okay. And you're doing that. And that scares me. That is, I, I can see it.

And that is, I agree with you. That is genuinely the, the biggest problem. Good. It is, it's, oh, man. Yeah, it's just, uh, in your fidelity, you're just transferring things in and out. Your Venmo is, uh, again, just back and forth. Yeah. Back and forth with people.

Great. This cash app. This is money coming in for my mom, 50, 50, 50, 50, 300, 100. That's all only transportation? Where was that? In February, it's 350. I don't, okay. The 300 was because I bought my own Christmas gift back in December,

and she wanted to reimburse me for that. That's what that was. The 50s transportation stuff. Mama Josh. What are we going to do? I'm very aware that I wouldn't be able to really survive without it right now I'm very aware of that yeah it's not like a place I want to be forever but it is absolutely a place that I am now

by choice a bad choice I don't want to be there by choice by choice yeah yeah does your mom know that you're choosing this yeah I mean is she enabling bad behavior I'd say potentially yes does she know I wonder how informed she is I don't know I don't know her but looking at her picture she seems like a very nice lady she's a very nice lady and i think that she's helping until i come home but is it actually helping you and that's what i don't know three dollars sitting in this extra account

is doing nothing whatever that's it so you have nothing in retirement scary no scary yeah you'd want to start now i wouldn't it wouldn't be anything significant now but you'd want to start now of your spending categories y'all this is the time to switch to my favorite high yield savings account. With SOFi, you can get 4.6% on your money. I hate when my money is just losing value, so make sure you're keeping up with inflation at the very least. You can also get FDIC insurance on that money up to $2 million with them. Plus, they'll give you money up to $300 when you set up in account with them. There's even extra perks like being able to get paid a couple days early. SoFi is what I use when I'm setting money aside, and it is the banking app

of the future. Sign up, link in the description below. I always want my money to be making more money. So don't lose money on yours. First of all, remember, total income that came in just from whole 995 of this was from your mom, essentially. Well, no, from Venmo's in. Venmo's in total. I also get paid in Venmo sometimes for caddying. Okay. So total that came in from Venmo's.

About 500 of that came from your mom with the 300. With the 300, it did. But that would already. I know, but all I'm saying is that's what came in. Okay. So what probably actually came in minus what your, minus the gift was about $1,000. Yeah, probably what came in. But total spending was $2,7509.

Yeah. Housing, $1,182.68 cents or 42.9% of your spending, transportation, 0.9%. Where are the transportation bills going? To her card. Oh, that's why I don't see them. Yes. They go into her card? Yeah, it was.

And why is she's sending you $50 here and there? What do you mean? With, was, if it's going, if it's charging her car, right? She's sending you money.

Okay, yeah. Answer the question. Sorry, my, my brain is like short-circiting. Sorry, if we could,

like, just... Take a moment. It's okay. Because I, I know the answer, and I'm just, like, lost and I'm not, I don't feel like

pressed or anything. I'm just kind of like... You're okay. Just lost. No, that's okay. So my mom does, my mom does cover transportation. She covers that.

That is going to her card via lift, which is why you don't see it. she was also sending me a little bit $50 a week, which was helpful. And she was being nice and doing that. Just to help because she knew that I was struggling with the not getting work. And we've talked about it. And it is much more nuanced with that with caddy politics and what I thought I would get and wouldn't get.

And she was like, okay, I can help you a little bit. Here's what I have. She's very, very kind. She's very kind. That's what you're seeing with the Venmo. I thought you were looking at a different thing. But you know now from the beginning when you said she only did transportation that is now incorrect. Because she has not only been a couple.

Because she's giving you a couple hundred bucks a month. She pays for, yes. She pays for transportation. She helps a little bit as well. Okay. I wasn't trying to own it anything. And I'm concerned that it's not actually helping you. It is not helping me financially.

That is objectively true. Because you're able to slightly skate by you having access to the credit cards is not helping you. It's allowing you to be lazy. Necessary food. Use your grocery stores. 16.8%. $4602 of $15. It's expensive.

going out to $802.53 cents or 29.1% you're spending. Unknown shopping. Typically Walmart, Amazon, I think in your case it was Walmart. We just don't know what was there. 0.4%. Miscellaneous BS is a stop and getting some bull. 8.6% or $236.30. And $0.38.

Other large purchases, 1.3%. Now, I think in some of the miscellaneous, I think we may have calculated some of the golf things there, which is not totally fair. Yes, it was. Well, I mean, mini golf, come on. that's not taxed up. Yeah, you, yeah, no, that's not taxed.

Blizzard, AMC. Now champion clothing, that was for work, Adidas, and. So that's okay. What I will say about AMC? But still, come on, before you say that, just still on this. That's the food spending. Not only is the food, but with some of the miscellaneous bull,

and probably overspending on groceries as well, because we're just food, food, food, I'd say about 40% of your spending is unnecessary. What are we going to say? well that was that was oh well the AMC thing is AMC Stubbs is great entertainment value if you're trying to save money and oh save money sure I wouldn't if I was if I wanted to see movies yeah and I could only afford the movie theaters I guess I would go to the

I think we've established I can only afford videos movie theaters I think we have well no I don't think you can afford any movies well yeah there you go in reality okay um thousand plus mom thousand two hundred

I guess yeah it's gonna be interesting oh people people get upset if I don't make the budget

because everyone likes to be upset and everything but this changes in a month you move back home so is there even a point to this is what I ask

I mean you could I think that your job but your spending is going to be You don't have a rent. You don't have this.

I don't think there is a point to making a current budget immediately. I think that may be like a helpful, like kind of rough plan of like what things should be going. Totally could do wonders for me. Okay. Sure. Well, that's fair enough. These cards, man, they make me nervous. Right now they haven't bloomed to something that's like will destroy you.

Yeah. They're in the beginning process of turning into something that could destroy you. I'm a little nervous relying everything on this scholarship. I hope you get it. I'm rooting for it. If you get it,

all about it. I'm a little nervous relying on it, especially if we don't understand where our academic standing is going to be. The academic standing is the hard part. The other stuff is that's the thing.

I appreciate your confidence in your skills. Number three in the lobby. But. What do you want me? I've never played that guy. I know. I'm sure if I played what city skylines

that you'd have a little bit more experience that I would build such a better highway than you. So it wouldn't look like Dallas highways. Depends if I wanted

my Sims to suffer or not. Yes. But, okay, if we're moving back home, let's assume the balances are going to be like

$500 more when you move back home. Okay, so you move back home. What I would like to do focus on that community college so you can get your grades to where they need to be.

It sounds like mom is going to be covering living expenses, potential transportation at that point? Well, I have a car up there. I just don't... How am I going to ship a car to Texas?

There are things called roads. Yeah, I mean, I know. Well, okay. I brought mine down from Michigan. I will tell you the actual reason. The first is it started as a visit and I didn't know if I was going to get a six-month lease,

so I ended up doing that. Okay, once you signed it, that's when you go back and to get the car. The second thing is, driving down here is scary on Dallas highways. It is until you... compared to like where I'm from,

and I just never got over that hump and I was always just like, in six months I'm just going to be gone, it's going to be okay. So you knew you were going to be gone six months from the beginning. So again, you set yourself up for failure. Yeah, I did something. If you want to look at it like that, yeah,

but the idea was I just, you know, I had a good idea that I might be. I didn't, I had not decided whether or not to permanently stay or permanently leave and I was kind of in a state of limbo. And I was just, there was no direct plan. Okay, but yes, no, the highways are scary until you do them after a while.

It's kind of the practice makes perfect type thing. So you get used to them. But I get it. You just have to, this is something you have to overcome. If I'm going to live down here, 100%. Sure, I'm fine. Fair enough.

It was your mom paying for it anyway, so whatever. So you'll be, how is gas going to be afforded up there? That's going to come from my work, probably. Okay, so you are going to work with that. I'm planning to get caddy jobs. The whole, one of the entire three years. Isn't it going to be hard with college,

though? Because you're going to have to block off so much time for college. So for the, so for the summer? where the golf season is like really popping in New York? You're not going to be in school? I'm not going to be in school. What are we doing for the April?

From April to the fall. What are we doing the other eight months of the year, seven months of the year? Well, that's going to be school. But the goal is that. So you're saving up a big chunk? If I could get a caddy job up there and save that up and pay off my debt, that would be ideal. That would be awesome. We're relying on this kiddie job being successful when you've never had a job.

Yes. We are relying. We are relying. We are relying. We are more than 400 a month from it. It's a lot of relying. But 400 without living. expenses is a big chunk. That's 400 directly to debt. Well, I thought we were doing this to save up

for gas money. How are we paying for gas money during school years? I, okay, that's, I don't know, I didn't get that far yet. Oh, geez, buddy. Okay. Okay. Okay. I mean, problems can be solved that are like three or four months out when I'm home and I have like less mental stress. That's fine. There's nothing wrong with waiting. You know what's going to help with mental stress though? Not being in debt. Yes, of course. But actually having. a plan knowing what the plan is what do we have to accomplish it sometimes the overwhelming of what you know you have to do is still going to carry stress but knowing you have a way to get there other than headed into the unknown fog that can take a lot off of your brain a lot off of your

shoulders man so i think what is actually going to be most important for you right now who do you who can you trust financially career wise who's like someone in your corner that you can trust to have a good conversation with so do you have something someone that is that trusted person that is knowledgeable that you can sit down with. Yeah, I, I, what do you mean knowledgeable just about my life or about, just about careers, just, you know, good in, good in terms of like, they'll give good advice for your life, for your career, for your money. I actually might have a call.

I have a couple people in mind. I'd ask to sit down with them. Give them your situation because this is going to take much longer, much longer than any time that we have. right now. But these are the things that I want to accomplish. Here's my overarching plan of where I want to hit. Can we take all this and construct it into an ABC to EFG? Where does it go? Because I think that's what's going to be most productive to you. At some point, these credit cards are going to be some letter in that plan. What you need to do is sit down for a few hours with someone over a meal or just whatever and just try to construct what do we do from here in what order? What are we

trying to attack. And I think if you're able to do that, one, sure, it might cause stresses in different ways. At least it's not headed into the unknown. You know what you have to do in order to accomplish something. That gets you to the next place. That's going to be what's most important for you because right now, again, you started towards the beginning of the conversation. I could end up in doubt. I could end up doing this. It could be a caddy. I could be security. We need to narrow down a little more. And I think that's what's going to be most important. So I know it's difficult, but I think hopefully this is at least

a wake-up call in terms of your finances and where your actions are. And the finances and actions, I 100% agree. I think it's more of a wake-up call on like, so what, like the big thing that really resonated with me was you saying so you just give up buying groceries

because you haven't had success in the past and that like it's, even with your finances, it still makes sense to try, even if it's not succeeding to try. Even if it's not succeeding to try. to go down the right path despite not you know good hammer financial score i get you for free in the description below spending in the budget zero out ten because you're putting it on a credit card because you don't have enough so just you can't get a point there debt not the worst of the worst

i'd say three out of ten merchant's fun just a little so one out of ten retirement nothing zero out ten real estate nothing zero out ten that's gonna hammer financial score Yeah, one out of ten. Make sure to check out all the resources linked in the description below there, what I use or would use in specific situations, including the best budgeting program in the history of the internet. Today on the Financial Audit Post Show. Man, what scares me about you?

You go into so many things uninformed. Yeah. You're just like, fuck it. I'm jumping in. I do kind of jump in and then swim, and that's just, I thrive in chaos. Sometimes I don't thrive. Sometimes it blows up. Yeah, but you also have a lot of ADHD issues.

And I don't think chaos is going to help. To watch the financial audit post show, click the join button below.