$350,000+ Of LGBT Debt | Financial Audit

24:25You're not going to get any reasonable offers. Well, I did tell them not to lower it until the next month, so that way it was working out. It doesn't matter, buddy. This is how the buyer works, man. You've got to go through our real estate program. I mean, that's ridiculous. You're starting way too high over market. Those are the people that have to sell lower. I didn't even offer that price or recommend that price. You did? Your realtor? Yeah. You had a bad realtor. Apparently, she's the number one realtor in Florida, and she recommended that price. I was like, okay, well, you're the expert in this, so might as well.

24:53And since then, we've already cut it twice. Yeah, I don't f***ing know. Number one according to what? We've had two scheduled showings. Because you're overpriced. You're dumb tit. Of course. This is not, I mean, she is not the realtor to have. Listen, buddy, this might have to go off the market for like six months, 12 months, and put it back on at a reasonable price in order for it to adjust. But at that point, it would go into foreclosure, whatever. It actually would. Yes, you f*** yourself double. Yeah, so that's what I'm trying to figure out, and that's why the short sale is the current option.

25:22And that's why. But you're living at home now. I know you have debt minimum payments, of course. But even still, the mortgage, you actually, even though it's a horrible chunk of your net, because you live at home with the parents, you would be able to technically afford it if you needed to. It's$3 ,400. If I'm looking at$5 ,000, then that's$16. Exactly. It's insane. It is. But you have no overhead because you live at home. Other than that, it's just the other debt minimum payments, which I don't know what they stack up to yet. It's, I mean. It would just be no fun spending. I think it would cover the entire month of my income.

25:51There you go. So that's that. But you have no overhead. You don't need to have fun. I know I don't have overhead. Okay. And you don't need to have fun. But what about other expenses like gas, food, all that other stuff? Well, that's overhead. Oh, okay. Would you not be able to afford that in your minimum month? No. I don't think I would. We'd have to see it at the end. I don't know, man. I guess we'll see. But even still, if you rented it out for half, you could cover half. You were covering half. And I'm not saying that's what we want to do, but I just think you're going to get on this housing situation.

26:16and it's going to come down to what we could get if it was renting at that point and if it's even worth doing if we sell the house in a couple months then that kind of fucks a couple months after dropping another 20k with zero equity in the house already yeah it's a fuck situation if you have a fuck situation go to calebhammer.com slash apply and come on the show what do you think your score is 0-10 0 being the worst finances 10 being the best finances I'm going to say a 2 If you want your financial score, financial assessment take that assessment at calebhammer.com or click the link below Also, if you don't want to be like a guest who shows up on the show download the DollarWise budgeting app We made it specifically for you, specifically for me Sign up for the free trial and then take the annual if you want to save a lot of money and get our budget friendly cookbook signed by me, mailed directly to you and if you want to bundle all of our education with the premium version, you can also sign up for our premium program, DollarWise Central which includes all of that bundled for 80 % off dollarwise.com.

27:13Click the link below. Okay. So you're living with parents for a year or two at this point. You want to go into an MBA program. You haven't even finished your marketing degree. That's my second degree. Yeah. That's my second degree. Why are you getting a second degree? What are you doing? You already made good money. What are you trying to do? So the first degree was in management and that was paid for through a scholarship. But the second degree is marketing because my GPA was after, after I graduated. Well, Well, if you go into the master's program. Oh, to get into your master's program. Yeah, you got to have like a three point.

27:43Yeah, I was looking at like entry level for the NBA and it was a 3.0 GPA. You had to have all these scores and through the marketing program. Also, I heard you're a douchebag. Yeah, I could definitely get that thought. You have this souped up car that is costing a stupid amount of money and you just refuse to get rid of it. Why? Why? It's a dream car. If you can't afford to live. I don't give a shit about your dream. I care about you living. I don't give a shit. It's a dream car that I've always wanted. I don't give a shit. I care about you living. I've always hated people with Mustangs, and that's what it is.

28:10Well, it's a Mustang. It's not that exciting as far as dream cars go. I'll be completely honest. Oh, believe me. I would love to get into a different vehicle. Good. It's not your dream car, so let's get rid of it. But I'm not going to sell the Mustang. Why the f*** not? Because, like I said, it's a dream car. I'm not going to sell the car. It's a car. Who gives a f***? If you can't afford to live and you're about to get foreclosed on, get rid of the car. It's paid off. Yeah, but you're pumping an endless amount of money into it. No, I'm not. Come on, buddy. You got a$1 ,200 injector purchase. You're endlessly getting parts to modify it.

28:38So I will speak on that. You wouldn't even send us the VIN. You're the first one ever to never send us the VIN. Why the f*** wouldn't you send us the VIN so we can get the value? Because I was so determined that I'm not going to sell this car. And what's the f*** coming on a show where someone tells you what you should probably do? Because with the injector, I'm going to just speak really quick on the injectors. I have returned those, but I swapped them out for other parts for maintenance and all that kind of stuff. What's the car worth? I would say about$23 ,000,$24 ,000. Good. Sell it. Get a$10 ,000 car.

29:11Take care of your debt. The rest of it, I mean, it goes to pain off a fifth of your debt. That wouldn't even put a dent in my debt. It accelerates. A fifth is a dent, you dumb tit. That accelerates that progress really quick. It gets rid of minimum payments. That way, snowball to it. You live at home as a 30-year-old. I don't give a fuck about your Mustang. That's a pretty nice Mustang. I'm not going to lie. Yeah. you live at home with your parents at 30 you're a little boy I definitely am not proud of living at my home over having any sort of independence you know with all the points that I put into a car I would thought that maybe it's valued a lot higher than 23, 24 I completely agree but it's like why sell it so that you can start paying off debt I have my...

29:59You need a motor transportation? You'd get a$10 ,000-hour car. That's paying towards my debt. You're not... Buddy, how much came in last month? $5 ,000. How much was spent last month? I'd have to say$4 ,000. $8 ,636. So you have no idea what the fuck you're talking about. That is math. That is what was added up. I would love to go into how. We certainly will. What do you think happens on this show? So you're spending way more than you make. Paying off debt? What the fuck are you talking about? You're not paying off debt. You're not a debt pay offer. Yeah, if you go through my record. You paid a minimum payment to this first debt we're talking about.

30:35It takes 26 years to pay off. Shut the f*** up. And, you know, if this is the card that I'm thinking about, is this the Reflect card? Yes. Yeah, okay. So this card was a debt transfer. Great. So instead of paying off debt, and that's what you consider paying off debt, all we do is just move debt. I didn't say that was me paying off debt with that. You said you're paying off debt. I am paying off debt, but that card is from something that I did about two years ago. Wonderful. Zero percent interest period descended. It did. Yeah. I have been - Paying off debt. Spending more than we make. Off. The number one YouTube membership just got upgraded.

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32:27What are you talking about, dude? What are you talking about? Miscellaneous bullshit alone was$2 ,000. Going out to eat was$700. That's crazy. Shut the fuck up. That is your math. That is your normal shit. I'm living with mommy and daddy. Are they charging you rent? No, they're not. 30-year-old baby preferring jerking off to his Mustang than having any sort of independence. They would rather me get into a position where I can pay off debt by living without paying rent. You are in a position to pay off debt, and you're not. I am paying off debt. You are literally not. Shut the fuck up. No. You put a minimum monthly payment to it.

32:58You're jerking off to a Mustang. That's all that's happening. Well, I'm doing more than just paying off the minimum. Not on that card. That is the minimum payment, but I'm paying off. I'm about to get foreclosed on. I don't want to hear it. It's not a good position. No, it is not. Yet it is the position that you are allowing and choosing. I just went over$2 ,000 in miscellaneous suspending. $700 going out to eat Shut up That within itself is$2 ,700 of bullsh** spending You bring in$5 ,000 That is over half of your spending What the f*** are you talking about? You don't know what you're talking about Do you budget?

33:33Clearly not I try budgeting but I know it's very loosely Then why? What's the point? What's the point of budgeting without budgeting? I mean I've heard about this whole like 50-30-20 with the needs, wants, and saving and all that kind of stuff. But that's really the gist of it. I've tried it before. You're in bad debt. You wouldn't be 50-30-20. You'd be paying off debt like crazy getting a fully funded emergency fund and then 50-30-20. I've listened to the whole David Ramsey stuff and I have the app on my phone. Kill you. But it doesn't let me track all the cards that I have. Okay, then use ours.

34:07It probably does. Well, what is it? I'll download it. So you use the app that doesn't connect to your cards. You can submit manual purchases if you need to if you want to use his budgeting app. That's fine. What's wrong with that? It does the transactions and all that, but it doesn't allow you to add the card to where you can automatically do your purchases through that. So it just works. Just through his budgeting app? No, what I'm saying is it wouldn't let me link my account and it's for the Apple Card is what I'm talking about. Apple Card doesn't allow account connections. Yeah. So that was the issue that was having.

34:35That's Apple Card, that's not budgeting apps. Yeah, so it was the Apple Card that was giving me that issue. So I just stopped using it. Well, you have to submit your statements and it still works. Well, I just stopped using it at that point. So you've given up because the Apple card doesn't work. I wasn't giving up necessarily. You didn't know how much you spent last month. I figured that I could figure my spending myself. You didn't know how much you spent last month. Yeah. And I didn't know that. I thought I was spending under what I was making. Objectively not.

35:06Buddy, I don't know. This is just a transfer. You're not paying off debt. You're transferring debt. So Wells Fargo Reflect Visa card. It's called the reflect card. Okay. Well, on this card alone, you owe$12 ,333.94 with a minimum monthly payment of$124 now. And that's all, of course, you made last month, even though interest is starting to accrue right now. And that's before the interest. I think I looked at it recently. Yeah, now the interest is charging like bucks. It's like 300 something. Yeah, it's going crazy. Yeah. Which means your minimum, what, is that like 350? Just about, yeah. It was like$325.

35:44$325. That's your new minimum. Great. Even worse. I don't know how you'd survive that with your mortgage payment. $325. Getting in a household. This is insane. You see the situation that I'm in, though, with the mortgage? It's like, if I pay it, then I have no money. Yes, you're a moron. And I don't have any money to pay towards my minimum debts. I know that now. But listen, buddy, we just saw what you spent on miscellaneous bullshit going out to eat. Like, shut up. That's objectively what you were doing. Yeah, and that's why. around. There's no way that I spent that much. I would love to go through the transactions.

36:15What do you think this show is and what happens from here? That's what we're doing. Let's get to it. That's not the card. I'm going through the document order that is placed in front of me. You moron. You think you're the producer of the show? I don't know what you think is going on here. No, but Lindsay is the best. Now, I know you're a big travel person as well and you're endlessly just going to EDM concerts doing VIP. You'll only go VIP because you need the exclusivity. So we transferred that so we can go to VIP bullshit shows. Listen, have you been to an EDM concert? Why would I? It's amazing.

36:53Are you kidding me? It's the best. Have you ever listened to any EDM music? Yes, I'm doing it right now. That's pretty good, actually. You might be the next top hit. Okay, I don't know what I'd get out of that. I do go to music Austin City Lemons Music Festival because there's a wider diversity of music than just... I don't think I've ever listened to that music or like what that festival is. Okay, that's fine. I don't care. But why the f*** are you living at home, jacking off to a car, spending bulls*** endlessly, going VIP experiences at festivals all over the country? Who do you think you are?

37:27Well, I love the experience. I love being able to travel and go to these concerts. Mama's boy being enabled to just go f*** around and destroy his life. Poor new girlfriend being dragged down, girlfriend. she is a sweetheart I love her to death who the f*** are you to go VIP to all these experiences around the country I never said that I do all VIPs for this I just buy a ticket for it that's what you told the person you love Lindsay yeah I mean like she does these upgrades for these tickets every once in a while who does these upgrades for these tickets that you pay for sometimes she pays for it sometimes I do but you live at home you live at home and you said my parents support my ability to stay home as long as I pay off my debt You're going VIP to concerts.

38:08What are you talking about? It's not that often that I go. How often then? Maybe like three, four times a year. That's insane. Once a quarter is crazy. If you're living at home at 30. You want to know insane? I went seven times. I don't give a fuck. Shut the fuck up. Your girlfriend, does she live at home? No, she has her own place. Oh, great. So she's the leader of the relationship. She's the mature one. She's the one that's actually getting done. Yeah, she does get her done. How old is she? She's 35. Great. Okay. Yeah, she's a great professional. She's really good at what she does for her job.

38:43And why is she actually with a literal child like yourself? I don't know. I don't know if I was funny or if I was just like super attractive. We met on Hinge and she sent me the rose. So, I mean, she saw something to me. But, you know, it's one of those things where like you go on your first date and you just know it's the right person. And we just kind of hit it off. I don't care about your love story. That's fine. That's wonderful. No, I'm asking about how she lives. I don't give a f*** about your love story. Dude. Okay, great. So I don't know why she's staying with you. Good luck on this marriage situation if you guys ever get there.

39:19The fact is interest has just started hitting on this now. What have you communicated your financial situation with her? So actually when I got the word that I was going to be on the show, I realized that now would be a good time to talk about this. That's what it always is. happens. What always happens, I'm about to get exposed online, yeah, I better come clean about all this. So we do realize that we're both kind of in a bad financial spot. Both? You just said she was doing great. Yeah, she does great. She makes good money, but she also does have her debts as well. Then that's not great. Well, it's kind of something, this is our wake-up call for this.

39:59So you're about to make a trade based on a friend's text, but which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at FINRA.org slash trade smart. Yeah, after this show, we're going to start budgeting. Buddy, you told me at$40 ,000 of bad debt, it was 56. You don't even know your own financial situation And you're trying to tell me you told her Yeah no I told her about my debts and all that kind of stuff You didn't know how many debts you had How much I told her I was like listen it's not going to be pretty Okay And you know we're going to work on this and we're going to get through it So you're not going to a VIP EDM concert I actually have a couple plans Exactly so shut the f*** up You're not cutting back on anything You just want to be a douchebag running around I want to have fun You know it's like No, so you're just going to live at home forever, mama's little boy, and being a joke in the existence of humanity.

41:06No, obviously I don't want to live at my parents' house. Well, you certainly do because you're spending all your money on bullshit instead of actually doing anything worth value of paying down your debt. I definitely want to do better, and I don't think that I want, you know, I don't want to be in this position. I want to be able to pay this off. Which is why you're going to the Bahamas all-inclusive. It's Cancun, not the Bahamas. All-inclusive. Yeah, it's all-inclusive. That was the only option. Yeah, that's what we really care about when we're trying to get out of debt. I made that purchase back in January, and it's$4 ,000 for the entire trip.

41:39Can we be real about this entire situation? Your mama's boy, she's taking care of you, she's enabling you, and once you are slightly done with that situation, you have your girlfriend just be your new mom. I don't think that's the situation. I think that it's reading as clear as day, buddy. You're a child. You live like a child. You just go and live all this experiences and spend all your money on bullshit instead of taking care of your real shit. And then you want mama or new mama to come in and save the day and take care of you. Their little boy. I think as long as I'm paying off these things, then, you know, why not?

42:13You don't think you're going to leech off your girlfriend at all in this relationship? No, I don't allow her to. Okay, well, you were already on the outs with your last girlfriend, but you used her to get a mortgage. So, gone. I didn't use her, actually. I think she used me for my credit, if I'm being honest. What the fuck are you talking about? You only got on with her to make it. I co-signed for the mortgage. Yeah, but you wanted to get in there. It was you pitching it. I wanted to get a house, yes. Yes, what are you talking about? Yes, she agreed to your idea. You used her. I don't think I used her.

42:41To be able to afford the minimum payment? Absolutely, even though you're ready to break up. How else can you read that situation? You know, we got back together and I was like, all right, you know, I think we should get a house. So we got a house. I was under the assumption That we were going to be together for a while Thanks for going well No it wasn't You just got up after breaking up and then you broke up immediately What are you talking about dude You just used people around you To be the little baby Having mothers everywhere She didn't want to renew her lease there So I was like why don't we just start looking at a house then How many have you been at home With zero dollars a rent Zero dollars a rent For about a year for about a year now.

43:25And there's nothing wrong with living at home, especially if you're falling back on hard times. But the fact is, they're just enabling you to go VIP at EDM concerts seven times a year, i.e. last year. All-inclusive in Cancun. I don't give a f***. It's a bulls***, man. You're just living a bulls*** life and relying on all the mothers around you. Come on. What a joke. Listen, I know it's not perfect for your career with what you got, But I will get you a course career certification to boost that resume. I'll also get you on the FizCard to help you actually manage your money, debit card that builds credit.

44:01And I'll get you on Webull as well if you really care about investing. It's a great place to buy stocks. That's where I'm building my portfolio now. Great sign-up bonuses there. So I'll get you set up with all the resources that the guests got. But listen, this is ridiculous. Again,$12 ,333.94, minimum monthly payment,$325. You've had a late fee this year. He's had a late fee this year. He's had a f***ing late fee this year. VIP experience. you cancun you late february this year living at mom and dad at home off dude but listen joke listen i so i listen you're really gonna defend this yeah yeah let's hear it yeah so the cards were not on autopay good then pay it on time i was i was paying them on time and then i had one month slip and then after that moment i did set it up on autopay you're probably paying over a hundred bucks a month for your phone plan for what dropped calls and data caps that disappears faster than my hope during a financial audit today's sponsor helium mobile the only phone service that somehow manages to be reliable and free fixes that and yeah because guess what their zero plan is literally zero dollars a month it runs on a combo of nationwide 5g plus this wild concept a community built network think of it as the airbnb a phone service same great coverage but without the tower markup.

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47:01ro.co.safety. Now, back to the episode. Why would you have a slip? You live at home. You live a motherfucking home. I oversaw it. That's all it was. Over what? I oversaw it. So it was... Over what? I don't know what the day was. The over what? Oversaw it. It was an oversight. I, I, I, I... Meet the computer you can talk to. With Copilot on Windows, working, creating, and collaborating is as easy as talking. Got writer's block? Share your screen with Copilot Vision to help spark inspiration and use Copilot Voice to have a conversation and brainstorm ideas. Or maybe you need some tech help. With Copilot Vision, Copilot sees what you see.

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47:51Oversight? Yeah. Is that how you say that? It's just an oversight. Oversight, oversaw, I don't know. However you want to say it. So, it was an oversight. I let it slip. Oh, there you go. Yeah, there you go. Okay. So, it was an oversight for one month, and after that point, I did put it on auto-paste. But why would it be an oversight, buddy? Because you're living at home being enabled in every way whatsoever. You should not be macing payments. No, I completely agree with you on that. And you're the one that did it, not me. Since then, I haven't missed a payment on it. What's the interest rate now on this?

48:22Oh, I believe it's about 30%. It's high. And you think investing in the market makes more than that. Listen, you'll have your good years, but up years, down years combined, 10 % for the S &P 500 overall stock market, 8%. Yeah. So I'm still confused. It was 0 % for about 18 months. So I had the idea to have this card paid off by then. But obviously it did not. Well, great idea. Just like you have the idea of paying off your credit cards before retirement. No, you're just going to keep transferring, transferring, transferring. More debt, more debt, more debt. You'll be in debt until the day you die.

48:49Your idea to pay this off did not work. I don't know what the balance was to start, but less than$12 ,333.94 is a lot regardless. Oh, it's not the first debt transfer that went over. Huh? So we're going to have another one. Oh, f*** off, dude. So why'd that plan fail then? Just like, because now you have all these other plans, you were so confident about telling me. So many plans with the deed transfer and the selling the house. Not that much lower. I'll never have debt by the time I get a retirement. I'm just going to contribute retirement forever. Yeah, all your plans. So why'd this one fail?

49:18So that one, like I said, it was a transfer of a lot of debts. We got that part. Why'd it fail? So I was paying it off. And then there was just major purchases that I didn't have money inside. VIP experiences. No, it wasn't. F*** off. It was. F*** off. I had an issue with the car. $1 ,700 last month in bullshit. Minimum. Minimum. Minimum. Minimum. Minimum. So, f*** off! I had an issue with the car and it needed to go somewhere and that was the car that I had the most available credit balance. So, it went on to that. The issue with the car? Yeah, with the car. Good. Sell it. Well, obviously now, it's working.

49:55So, I'm not going to sell it. No, because I just put a major... Sell it, get a$10 ,000 car, put the rest towards debt. I just said, I didn't tell you about the repair. So it was a major transmission issue that was from Ford itself and they weren't going to cover it. Good. Sell it. Why would I sell it? Sell it now. It's my dream car. Buddy, your dream... No offense. No, I'm sorry. This isn't... Your dream car's a Mustang. Yeah. I grew up... Listen, when I was growing up, my dad had... He still has it. It's a 1992 Mustang. I have everyone in the room shaking their head at the fact that your dream car is a Mustang.

50:31What's your dream car? I guess I have my dream car. Is that Tesla? Model X Plaid, yeah. I love it. No, I love the Plaid's. Don't get me wrong. Yeah. Okay. But that's at least the price of a dream car. I don't think anyone's dream car is$24 ,000. Again, it's not bad. I'm not sure about the fact that it's not an expensive car. It's just like you make a lot of money. We could get you to a cool car at some point. Who gives a f*** about this? Pay off the debt. Drive a beater for a bit. It was the first car that I had bought myself, and I wanted to keep it. So it's a car. Who cares? And the car community can back me up on this.

51:10A lot of people, when they sell their first car, they end up regretting it. Dude, I'm getting AV is shaking his head hardcore no, which is suggesting I bet he's in the car community. I'm sure he is. He's shaking his head yes, and he's shaking his head no with you. So I don't know. I'm sure we'll get a diversity of opinions in the comments section. A lot of people regret selling the first car that they bought, you know, if it was one of their dream cars. It's a piece of metal. It's a collection of parts. Who gives a f***? Buddy, who gives a f*** selling their first car? And at this point. What is this nostalgia?

51:42What is this like weird attachment to a f***ing motor? And at this point, it's already paid off. So what's the difference? Because you could sell it for 24, get a 10 ,000 hour beater and f***ing go and pay off 15 ,000 hours of debt like this. That still doesn't solve my problem. Your problem is that you're in debt. So yes, it does. It solves like a fifth of it. That's big. It solves a little bit. That accelerates. It solves a lot because that takes away minimum payments that you can accelerate towards your debt. I don't agree with that. You don't agree? What is there to disagree with? Because the car is paid off.

52:17It doesn't need much maintenance. What? Do you not? But my math was sound. What is your disagreement? Because there's no minimum monthly payments on this car. So why would I sell the car to buy a Peter car? What is wrong with my math? There'd be no minimum payment on the other car you'd get either. If you sell this car and you buy a$10 ,000 car, who's to say that it's not going to break down in the future? Well, first of all, it seems like you're pretty good with cars. So take a hardcore look at it, but also take it to two independent mechanics separately. Make sure they get a seal of approval that it's going to last for at least a few years, safe and good, without major repairs.

52:50Not everything's perfect, but you're going to have an emergency fund pretty soon. that will help take care of things. And we're going to get in a dream car, a better dream car, by the way, pretty damn soon. It's not about that. This accelerates your debt payoff journey. This is like the one thing that I'm not going to say you did right, but at least you have going towards you so you can at least throw it towards your debt, buddy. You know, that would be something that I would consider then at that point because there are bigger and better cars. A win! A win! A potential win. You know, if there is a time and place where I can buy a better car, then so be it.

53:20Tell me how much all that piece of s*** costs. That piece of shit That is done by one of the better Artists in Miami Yeah you have the best realtor and the best car Now we have the best tattoos It's the best everything That was pretty bad It used to be so good Shane Gilles does a really good impression Well that's his job you dick Listen it used to be good It got rusty But everything's the best to you It's a sleeve that you cannot even tell what is going on Which makes it just a mess So it's all Greek mythology based and it's color realism. And it was$14 ,000 for all. It looks like my current two weeks of diarrhea has just happened.

54:01Oh, yeah. I heard you were having tummy issues. How are you feeling? By who? By the producer. You haven't done it? Lindsey!

54:13Please! Is this why you're a little angry today, Caleb? No, I'm angry every day. Buddy, that looks like shit. And how much have you spent on it? I spent$14 ,000 on all. What is wrong with you? It goes all the way into my chest. Oh, for fuck's sake. What a use of money when we can't pay our mortgage and we're about to get this. Were you living at home when you got this done? With mommy and daddy? The arm piece, no. But the chest piece, yeah. What a joke. Mom and dad kick him out tomorrow. You are supporting such horrible behavior that you are just allowing. such bad behavior. Trust me, Caleb. I don't trust you were sh...

54:56I'm not getting any more after this. I don't believe you. None of your plans have succeeded. Have you ever gotten a tattoo? No. You don't look like a tattoo person. Listen, I'm considering a bass clef here. I'm just a little nervous of the needles. I'm a band guy, too. Okay. Trumpet guy, though. I told you you're a douchebag. And gay. Listen, buddy, I don't know. what a horrible use of money. We're living at home and they support this. It's a joke. It's disgusting. It's not a good time. And now we're accruing interest 30 % on that card. Well done. Well done, big guy. And we missed the minimum payment on it.

55:35Okay, Wells Fargo. What's going on with this? So that one, is that the platinum card that we're talking about? So that one is... It says Wells Fargo card. I don't see platinum. Yeah, so it's the platinum card. So that's the very first credit card that I got. Oh, which means just like the car, we can't get rid of it. It's special. Well, credit age. You got to have credit age. Yeah, but you could pay it off, you dumb. $10 ,000 and$560.54. Minimum monthly payment,$241.

56:10You're still purchasing on it. Still purchase on it. There shouldn't be how many purchases on it. Well, you're a moron then because$23.57 of purchases were made on it. You know what that is? I'm guessing a purchase. Yeah, I had my reoccurring Spotify on there. Almost like that is considered a purchase. $135.14 of interest accrued, 24 years to pay this one off. Yeah, you'll borderline be at the retirement age penalty free for your 401k if you ever decide to do that. Or your IRA, which we know you love. So, yeah, you'll borderline be there. So will it technically be paid off? Sure. If you don't purchase anything else, but we know you love to purchase.

56:48The maximum amount that you can put towards your Roth IRA, it's only what,$500 a month? Yeah, 401k is substantially higher, but it doesn't even matter. That's not going to make much of a dent in the amount of debt that I have. It would pay this off three times quicker. I'd say that's substantial. I would rather put that money towards retirement when there's another money. I want you to max out retirement. and mathematically it doesn't make sense, dude. I don't understand why you think 10 is larger than 30. Because if I'm putting the maximum towards my Roth IRA, then it's tax-free when I withdraw it.

57:22It is tax-free. So maybe that boosted to about 15%. But even still, that 30 % is not making it. So if I delay that by, what, like a couple years, then I'm losing all that in the market. 30 is still more than 15. But it's the principle of just wanting to invest this. Guy, buddy, no matter the growth you're getting in the market, S &P 500 averages up years, down years, 10%. Stock market, 8%. How many times are we going to go through this exercise? 30 % is higher than that. Now, if we're taking the tax savings, which by the way, you're doing Roth anyway. So you're saving taxes on the back end. Yeah, exactly.

57:55You're not even saving taxes on the front end. So I don't know what the fuck you're talking about. But either way, listen, you're still losing. And that's why I was putting towards it. You're not making money. Oh, you really are a boy. You're a little boy. You're a little boy who jacks off to his Mustang every day. You collect F1 posters? Yeah. You go around, spend money collecting F1 posters? Living in your little goon cave? What world are you in? So I had the F1 posters. They were going up in my office in the house that I don't live in. So I haven't put them up in my room. So they're just sitting off to the side right now, honestly.

58:31And they're just collecting dust. What a weird life you live. What a weird life you live. Do you watch F1? Are you bald? Am I bald? No. I actually got nice hair. okay then why do you have a hat collection I love hats I've always been a hat person I love wearing hats and you know it kind of adds to the style so that's why I love hats I buy them all the time there is no way that you are not a homosexual man with the way you present yourself and talk which is great we love it take it up the ass full support full support we got a ton of kids at the office yeah it's Adobe and Spotify so it's double oh he's out of late fee this year so far what is wrong with you?

59:10there's a late fee on that one? oh my f*** he doesn't even know what a joke that one is also set up on auto pay when I realized that the reflet card had a late payment I just went ahead and put auto pay on both cards she wanted to watch this live but I guess you guys don't have a live why would this be live? I don't know it would be dangerous for you sometimes we have to cut out privacy things that's true I didn't even think about that Yeah, we used to stream live to Patreon members, but that was a long time ago. Either way, I mean, I feel like I should call her and the ex in the past. She actually might want to talk to you.

59:49Which one? The new one. I care less about that one. The old one? No, she's a bitch. She's a bitch. She doesn't even answer the phone. She's a bitch. She doesn't even answer my question. You hear how he answers that, guys? Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only. Prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California and for delivery. Are we hearing this? We're hearing this. Actually, the bitch. I didn't sound like that. When are you moving on with the current?

1:00:25So that's actually why I'm going to do the Thanos thing with the gemstones. That's kind of why I'm on the show. I want to get to a good financial point where we do move in with each other and we want to be in a good financial spot. But the moment you move in with them, you break up with them in two months, this is at a 15.4 % interest rate. So this relatively is close to the market. Right. And you're lucky on this. You're lucky on this. However, for what it's worth, this is risk. This is minimum payments that prevents you from going out and doing the things you want to do. There is that aspect of it to also take into that equation.

1:01:01So for this card, I don't know if I should keep this card or cancel out, but it's obviously a lot better than the other ones. Sure, but it's horrendous debt regardless. Oh, yeah. Obviously, I plan on paying that off. Obviously, just like he planned on paying the other one off. He didn't pay it off. But what? That means nothing. Well, I want to get to a point where I'm building my credit history. And, you know, if I cancel that card. What's your I don't give a fuck. Well, that's why I'm trying to rebuild it right now. I don't give a fuck. And I can't do that until this house is out of my head. But a credit is not a tool to you.

1:01:37You are absolutely, it's like a hammer, but you're just swinging back and hitting your head. My credit score was at a 700 before the missed payments. And then as soon as the missed payment happened, it dropped significantly. Now it's at a 550. That is, like I said, you know. 550? It is garbage right now. What are you doing, dude? Okay, PayPal credit. What's going on with this? It's dangerous. So easy to spend. Pay malcredit right now is in a promotional offer right now to where it's 0%, but that's where the injectors came from. Oh, for f***'s sake. What is wrong with you guys? Get rid of this car.

1:02:09It's also just damaging because you just want to put, it's a toy to you. You just want to spend all your money on it. Like I said, I traded in those injectors because I had maintenance that I was working on. Yeah, but it was still for other things. Exactly. Or else you would have kept the injectors. So it doesn't even matter. Trust me. I tried to return those for cash and a return so I didn't have to pay off that card, but it was past that return period. So it was either a store credit with them or figure out something. So I ended up pulling the trigger on return. $6 and$7 spent this last month.

1:02:38What's fast spring? Fast spring. Fast spring. I don't even know what you're spending on this card, big guy. Let me guess. You're just using an investing app that doesn't invest in you. It is time to change that. Right now, Webull is offering up to a 3.5 % match when you open an IRA with them. That is real money going into your retirement, not just points or coupons. And that's just the start. Deposit$100 and you get 30 days of Webull Premium. Anywhere from$2 ,000 to$10 ,000 sitting around in your account, move it to Webull and get$200 in cash. And if you worked your way up to$5 million, that's$30 ,000 in your account just for moving it over.

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1:03:52Let's get back to the show. It's a 0 % for a second. He doesn't know what he even spends on eight years to pay this off. So yeah, 0 % is going to expire by then, by the way. Minimum monthly payments. That promotional. Oh, you put towards it. That promotional. After bragging at the beginning about putting more towards it. Yeah, that promotional offer ends in six months after the purchase. So it's like. You're a moron, dude. That is obviously going to. You're going to have such a substantial balance by then. And I don't care what you plan. You're going to tell me about a plan. That's never going to happen.

1:04:19You never do a plan. You never commit to anything in your life. Especially your girls. $1 ,184.09 It's the balance on here with a minimum to payment of 30 8 years to pay off does not get you there in about 4 months from now Well I plan on paying that off Of course you do! Of course you plan on it! Your plans never achieve anything because you never follow through with a single thing in this world You never do anything Wayfair's big sale is returning Get ready for Wayday For 4 days only score up to 80 % off all things home with free shipping on everything From October 26th through 29th, score Wayfair's best deals, like up to 80 % off area rugs, up to 60 % off mattresses, up to 60 % off bedroom furniture, and more exclusive doorbuster deals.

1:05:05So mark your calendar and shop Wayday starting October 26th at Wayfair.com. Wayfair, every style, every home. You plan on it? Your plans are just thoughts. But you never put in any action to achieve anything. You've planned for a lot. You've planned for that mortgage, that house, to get in with the girl. What financial plan have you ever done that has actually led anywhere? Nothing that I know of. I paid off the car. I paid that off early. That's because you're f***ing addicted to that thing. You care more about it than any girl you've ever dated. That is my longest relationship right now. Exactly.

1:05:41That's what I'm saying. You're a f***ing freak, weirdo. Hey, at least I'm not one of those people who have that fetish for it. Except I don't fully believe that. You keep using this as your excuse of deflection to get out of any kind of pushback. My plan. I plan. F*** your plan. Well, the balance transfer idea was my plan, but obviously that hasn't been working, you know, with this. So I don't know what else to do or what the other plan is. You know, if there was some sort of direction. Come back on your spend and just pay off your f***ing debt. You dumped it. Amex gold. Oh, that's a fun card.

1:06:17Pay over time charges. interest new charges interest what is going on with this card? So the Amex card I only got that because it's an Amex card it's an Amex gold so I thought that it was going to be this What the f*** does that even mean? You see the people who have an Amex platinum or Amex black card and all that kind of stuff and it's like whoa like a cool status symbol and all that kind of stuff What? I don't even know this So that's why I got the card Who'd you see? I don't know. What are you talking about then? Credit Karma. You know, I saw it as an option to get. So that was a cool status?

1:06:54No, I didn't say it was a cool status from that. I've just seen people with the gold card. I don't know. I just said, you know, you go to dinner and somebody pulls out an Amex gold card or a platinum card. You know, so I wanted to get one of those cards and they approved me for it. So I was like, all right, cool. I'll use this card. And it was my everyday card. And you racked it up to a billion dollars? So I use that card for my everydays. And I was using it for gas because you're still spending on it, dude. I know. I don't like using that card much anymore. Yeah, you do it. So what are you talking about?

1:07:26Is your plan not to use it? Because you still do. That lines up with your historic plan-making abilities. I have an idea. Can I pitch it to you? So I just take all the cards out except for my debit card. Maybe that would reduce my spending. What? All the cards out? What does all the cards out mean? You take the credit cards out of the wall. It's still probably in a digital wallet and you're going to spend it online and it's going to be dumb bullshit. What if you take those cards off the digital wallet? Regardless, even if you put it on debit, it's probably still horrible bullshit. At least now I'll be able to overspend.

1:07:57That doesn't make sense. Overspending in your position is spending a dime on fund money. A dime. Because it'll all be going to debt and then a fully funded emergency fund. What are you talking about? That is exactly what I'm talking about, buddy. Gotcha. I mean. Okay. Yeah. I mean, you know, obviously I don't want to spend on this card, but, you know. Yeah, you do. You know, it's like major purchases that might go onto that card that I could just pay off. All right, big guy. You owe$6 ,478.72 with a minimum monthly payment of$137.23. You're right. I mean, I had a little more sympathy towards the beginning, a little more grace, where it was like, yeah, it's hard to make my mortgage payment, you know, if I have to do that when she doesn't pay you.

1:08:43because I have all these minimum payments on the high debts. Yeah, wild debt is said. He has high debt. It doesn't matter. He doesn't pay anything more than the minimum, even though he's bragging about paying off debt at the beginning. And he still puts purchases on that. Quiet now. He puts more purchases on here. Listen, it doesn't matter. Buddy, what do you, if I go through that, if I go through it, okay, he made a minimum payment. And then he purchased. Shut the f*** up. Shut the f*** up. That car should have more than just minimum payment. It was about 10 more, and then you purchased 80. No.

1:09:11Yes! I've been putting more money for it. Put it on screen. It's there, you dumb.

1:09:17157 was put towards it when you owe 137. That is$20 more you paid. And then you purchased$80.

1:09:28West Pasco class. West Pasco class. He doesn't even know what he purchased. Wait, I do know that. Okay, no. So I do know what that is. Then tell me. So that is the dump over in Pasco. That's where the house is. So when I had to clear out the house of her. Why on a credit card that you can't pay off that you are barely putting your minimums towards? Because at the time that was the card that was available because they wouldn't accept any other card. So I had to put that one on. You wouldn't accept your debit card? No, they didn't accept the debit card. Then why didn't you immediately pay that extra 80 towards it?

1:10:00You said I didn't. You didn't. I may have. I may have since then. I'm not too sure. No doubt. You probably planned on it. I probably planned on it.

1:10:14Current girlfriend, he plans on not cheating. He plans on being a good boyfriend. He plans on moving and he plans on progressing your relationship.

1:10:29So that's why that purchase is on there. 11.99 % for now expires and already expired. Okay, it is now at 28.24%. So, moronic. $810 this year in interest already accrued on this card alone. Now it's going to be that every couple months. Yeah, I think it was like three months or so for the promotional offer. So, I think that, yeah, obviously that expanded. No, you're f***ed. It's dumb. Dude, it's so f***ing stupid. I don't get it. And for a status, is everyone's status that they borderline max it out and accrue interest endlessly? Actually, now your minimum payment has to be higher. I bet it's like$200 now, right?

1:11:09Someone in that ballpark. Okay, someone in that ballpark. I don't really use that card other than that one purchase. But since then, I don't use it. Since this literal last month. Okay, great. What? And then you put nothing extra. Dude, that means nothing. That is such a nothing statement. Okay, Amazon card. Pull out your Amazon. Listen, this looks like this one's paid off every single month, so I'm not going to freak out about this. But you still did make$285 of purchases towards it, which could have gone towards debt. You want my recent purchase? Yes! Amazon, Amazon, Amazon, Amazon, Amazon, Amazon.

1:11:5030 % interest, so you better never hold a balance, big guy. Oh, he got some nuts and bolts for his dumb car. So that's actually not for my car. That's not only should you sell this car to pay off debt, you got to sell this car so you stop spending money. So that's actually for my girlfriend's car. So there's a hex set on there for struts, and then there's a knuckle spreader for the lower of the strut. Some bullshit thing. I think we got, okay, we're getting dog food on there. That's not horrible. Brochure holder. That's for work. Why isn't work paying for it? They are. They reimburse me, and then I pay it off.

1:12:24Weird. Acrylic sign holder, some tape, gauze pads. That's for my dog. Gauze, rolls. Okay, that's fair. Dog food. Roller skates. Definitely don't need that. I don't give a fuck. This is for the girlfriend either. The same flip flops that I have. They are comfortable. They are very comfortable. You don't need them. Pay off that. You live with your mom. With your F1 posters. Dog toys for aggressive chewers. That's not the worst. Swim trunks. I'm sure you already had some. More swim trunks. I actually did. You definitely had some at that point because you bought two pairs. Men wide's calves loafers.

1:12:57You sure as fuck had shoes. I know that for a fact. Boxer roofs. so if you didn't have underwear, I'm definitely concerned. Live, laugh, love, toaster, bath. Okay, buddy. Yes, why get out of debt and move out of our parents' house? Dead inside patch. Yeah, those are patches for my backpack. That person, whoever it is, I don't give a shit. Oh, it's for your backpack. It's for you. Extra fuck you. I don't give a shit. For when I go to the gym and everything like that. To look cool for all the other kids? I don't know. That's for myself. Buddy, you live with your mother. I don't care. You're not cool.

1:13:33I mean, that's a reality. Queen Comforter set. Risen with the tism. But you don't have the tism. You're just a d***. Total War pre-workout. Okay, so for these purchases that you're about to say, yes. Shut up. You don't say a word. Don't say a word. I'm going to explain it. It's a book that he purchased, How to Tell Her You're Gay. Yeah. So I'm going to tell you. I told you. Now, this is great. I can't wait to tell you this. Oh, he's going to defend it. Good luck. Good luck. Good luck. Good luck. My friend, it was his birthday. Oh, he has a coffee mug. I'm gay coffee mug. So it's a coffee mug. And he watches this show too.

1:14:11He has a cum rag. Yes. Cum rag. Actual thing that says cum rag on it. He has a dicks scented candle. Ladies and gentlemen, it is not looking good. This is why he breaks up with women the moment he moves in with them. Yeah. Oh, boy. So I got him the pre-workout. Yes, our friend. I got him the mug. We all have one of these. And I'm willing to even call him so that way it can justify these purchases. But it was a nice little like. Call him. Yeah. Your girlfriend. Yeah. So it was a nice little birthday present for him and then send it off. I knew that purchases was going to come up too. Yeah. It's almost like it's all adding up.

1:14:51Oh, he loved it. He loved that gift. Uh-huh. Okay. Apple card also looks like it's paid off every month. so I'm not going to freak out about this one specifically. Oh, it's all bullshit. This is still money. Even if it's paid off, it's money that could go to other debt, dick. Huh? So it's the Apple Card that was getting the payoffs for that. So I kind of had my own little plan. Obviously, it was loose, but... Just like you are, I assume. So any sort of money that I had left over was going towards a card, and that was my idea of payoffs. And it looks like it was the Apple Card at that moment. Captivity Cum Shop?

1:15:28I don't even know. Great. That's one of the purchases. Of course it is. Of course it is. Hard Row. Apple something bill. See tickets. There he is. There he goes. Apple bill. Apple bill. Captivity come shop. Coastal cruises. Apple bill. Oh, I know what that is. Access cover. Hey dude shoes. I'm wearing them right now. They're comfy. You buy a lot of shoes for someone that lives with mom. Apple bill. Apple bill. Total charges. this month alone and it was all bullshit was$1 ,478 and that could have all gone towards debt. That would have paid off the PayPal credit. Plus more. You're horrible. You live with mom and she just allows this.

1:16:13This is disgusting. Should we call mom? I'm going to call mom and ex-girlfriend. They need to not not enable this anymore. What a joke. And you've had interest charges this year so far so you certainly don't always pay it off. You don't always pay it off. I had a debt journey. Pull up your phone again. What do you want? Debt journey or on a debt journey. Your debt journey is your entire life. Shut up. Your debt journey is you just spent$1 ,500 on this card alone. What do you want? And your phone. I was going to pull it up for you. Pulling up Grindr. And that could have gone towards paying off PayPal credit, and that interest is going to hit.

1:16:53He has chat GPT for$20 a month, every dollar annual. You get ours for free and at least allows those extra account connections and fallbacks unlike us. Now that the update should be live by the time this episode goes live. Formula One$11 a month subscription. Yeah. That's how I watch it. Dude. iCloud Plus.

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1:17:47Okay, no grinder, officially. Doesn't mean Sniffy's isn't in the browser history, though. I don't even know what that is. Uh-huh. He said with his totally straight face. No, what is that? Sniffy's? Oh, I totally believe you right now. You're playing this off so well. I wish I was playing it off well, but I don't know what that is. Trumpet players understalling each other as they usually do. SoFi and a 9 % loan. What's going on with this? So there's two SoFi loans. What's the balance of that one? The balance of this SoFi is$4 ,981.98. So that is the repair that I had to give for the Mustang. So that's with the transmission that completely took a shit and Ford wasn't going to cover it.

1:18:38I had to get a new transmission for the car. Get rid of this car, buddy. You're just putting money into it. So stupid. Stupid. Minimum monthly payment owed$295.75. I know. And what I will say, like with that one, you know, I wish I had, you know, an emergency fund and all that kind of stuff. So I could have paid for it, but I didn't. And that's why I went with SoFi because it was the cheapest rate at the time. but he it's just i don't know these minimum payments are stacking like crazy now did you go a little bougie on your fix i did or on the car exactly so listen but bulletproof what it's bulletproof yeah and i'll explain it so if i went with a ford new transmission it was going to cost twelve thousand dollars so this one is a stage three RSA transmission.

1:19:39It means nothing to me. Yes, the car guys know this. So with the transmission, I bought a stage one, so it was only meant for 1 ,000 horsepower. So it's a pussy car. Pussy car? No. I haven't finished yet, Caleb. And they had some issues putting in the transmission, so they upgraded me to a stage three, so it's meant for 1 ,400 horsepower. And I got that for the price of stage one. So that include labor costs, everything like that. So it ended up being cheaper than buying a brand new transmission through Ford. And it's meant for 1 ,400 horsepower rather than the 600 that the Ford would offer. I just wanted you to sell this car, man.

1:20:20It makes no sense to have for you at this point. At this stage of life, you'd rather have this car than not live with your mom at 30. At this point, it's just maintenance costs. Buddy, it's not that. It can accelerate your dad. I'm not going down that rabbit hole again. And if you're too moronic to be able to listen to sentences, then you can go and leave. $7 ,480.61 on the second SoFi loan with a minimum payment. Yeah, and now I see why when the mortgage payment comes due, you wouldn't be able to afford it anymore. $413. So how much debt? You say the debt's free, yet the repairs on the car itself, you still have debt on a credit card and a SoFi.

1:20:58Yeah. So that's not a debt-free car. Shut the f*** up. If you're thinking that, you're a moron. I didn't say it was a debt-free car. I said all it is is maintenance now No, you said no, that's not true You're paying your minimum payments for previous repairs So shut up You can pay it off by selling the car and then getting a beater and you'd be done You address all your old mistakes Listen, what was this one for then? What, the second so far? So that was a consolidation loan Which worked so well because now all the other credit cards are maxed out And the reason why I did that one is because it was a lower interest rate than what was current.

1:21:35Yes, I understand why you did it, but then you built up your debt, and then you have double the debt because you didn't change your behavior. Everyone knows why you did it, but it is stupid, and it's at 11.72 % interest rate. Which is way better than 27. It is. It doesn't matter when you raked up to 27 % again. So what's bigger, 27 or 11? Did you not just hear it? What did I just say? I wasn't paying attention. You are.

1:22:01and I'm not going to repeat it for you because I, you just, I, buddy, you're lost. The future of our country. Thank you.

1:22:13Student loans. Okay. This is for the original degree, the original marketing degree at the low GPA. No. So that one is, that one's actually for the marketing degree. The second one, because like I said, the first one was paid with a grant. Okay. And with a sponsorship. Student loans, which are you still borrowing? Yes, yes. Great. What's your next semester cost? What's the first semester cost? So right now I'm in the summer semester and it was$1 ,200, which I did pay off. So I would imagine that it'd be another$1 ,200 since I'm taking three courses. Okay, well, you're over$12 ,026 for now. Obviously no payments because you're in school.

1:22:48I have been paying on it though. Just like interest? Just a hundred bucks. Why? Just in case. I don't know if they were all subsidized loans or unsubsidized. Some of the two are unsubsidized. Yeah, so the ones that are accruing interest, I think that's what the payments are going towards. Yeah, I would pay just interest only and then throw the rest towards the rest of the debt, though. Listen, yeah. And here's the mortgage. This is crazy. Down payment assistance and deferred balance of$16 ,447? Yeah. You had down payment assistance? Yeah, like I said, I didn't put anything down for the house. So that was our down payment.

1:23:24It was with the assistance since it was like a first home. Oh, man, dude. Since it was like an FHA. What the f*** are we doing?

1:23:34$323 ,891.44 owed on this. With a minimum monthly unpaid pass due$13 ,000. Kill me. Okay. Total amount due$17 ,392. So what is your plan here, buddy? If you cannot sell, what is your plan? Because I don't f***ing know. So right now, like I said, we are lowering the price to be more competitive. And if it's not, then we'll keep lowering it. We've had two showings. Yeah. And we're going to be doing an open house this weekend. So hopefully we get some people coming through now that it's priced differently. But, you know, if we end up lowering the price to the point of - It doesn't look like a very nice house.

1:24:09It's okay. It's fine, but for what you're trying to get. Yeah. And so the point that I'm at right now is if it ends up being a short sale, then I can contact the mortgage company and put it into kind of like a limbo stage to where it's not going to get foreclosed on. And then after a couple months of being short sell if it doesn't sell to somebody then we can do it a deed in lieu. That is what I was told the last time I called a mortgage company. Might be the only thing left at this point buddy and it just absolutely sucks. The way you went about this is so f***ing. The payment that is due right now is insane.

1:24:48at a 6.75 % interest rate. It's crazy. I don't even know if that's a good rate. Huh? I don't even know if that's a good rate. Fine. This is kind of where rates are. And that's why I wanted to get the house because I didn't know what was going on with the market. I didn't know if rates were going to keep going up. Well, we definitely knew rates were kind of at the peak. Really? Yeah, I didn't know about the rates, if they were going to go higher or if they were going to stay stagnant at the time. So I was like, it's better to buy it now than buy it tomorrow. Well, it was either going to go stagnant or down.

1:25:13It was like inflation was cooling. Okay. Interesting. Okay, checking account. Got about$1 ,800 in there, down from the last month. Grasparilla Bar, Starbucks, going in and getting some BS from 7-Eleven. Venmoino,$80. FSPRG.com. ABC Fine Wine, going in and getting some BS. Crumble Cookies, Uber Eats, Car Wash. Great, you live in Florida. What the f*** are you doing? You're not in a desert. You're not in snow. Stop with the stupid car wash. You move out of your parents' house. FSPRG.com. What is that? I actually don't know what that is. Well, you spent there twice so far. What were the amounts? One was 99 cents the last one.

1:25:56The other one was$7. That might be micro-purchases, honestly, for a game. What the f*** is wrong with you? Now you're a gamer collecting f***ing F1 posters, living in your mom's basement, going into a Mustang. This is not a good look. PayPal. PayPal. Smoothie King going in and getting some BS Fine Wine going in and getting some BS Going in and getting some BS Going in and getting some BS Smoothie King Car wash again More shoes how many shoes do you need In one month It's the hey dudes they're comfy I don't give a fuck how many do you need in one month Shut the fuck up ABC Fine Wines There it is Five dollars of the micro gains Oh my goodness it's Clash of Clans He's just endlessly going in and clash again.

1:26:44He lives in his mom's basement just for Clash of Clans. Have you played that game before? What a joke you are. No, but I'm also not a joke of a human being. It's fun. It's addicting, obviously, to you because you spend money you don't have. Late on mortgage, spending on Clash of Clans. F*** off. It's a good game. That's all I got to say about it.

1:27:12You ought to give it a try sometime. Is that what Jinkies is playing? What, are you watching streamers playing Clash of Clans? No, I don't watch the streams. I don't have time for that. Well, you're playing Clash of Clans. I don't have time to watch other people play video games. Are you kidding me? People usually do it in the background, but I get it. I mean, if I'm not doing this, then I'm watching your show. Well, you've clearly taken away nothing. You're a moron. So Clash of Clans instead of moving out Oh what a life we are living Oh fuck dude Clash of Clans instead of moving out Coney Gainson BS Men's Depot Clash of Clans$7 Smoothie King Fit Stop Eatery Barcelona Base Store Bellasina Italian Cafe Texas Roadhouse AMC Fit Stop Eatery Crumble Cookies, Clash of Clans,$10 that time.

1:28:11Going in and getting some BS. PayPal, Fit Stop Eatery, Dave & Buster's, ABC. Going in and getting some BS. Ben went out$30 in. Spotify again. We have Spotify on our credit card. Why do you have two Spotify's? I believe that's when I transferred it over to my debit card. Oh, my, dude. Yeah, I didn't want it on the credit card anymore, so I put it on the debit, and I believe it charged me for that. $800 in this one, down from$1 ,000. This is our savings. Savings are only going down. Great. so we can do Clash of Clans. $2 ,512 in this high-yield savings account. That was my start at Emergency Fund.

1:28:48We have 30 % interest. I understand wanting to have a basic to start with. $19 ,206 in retirement. Definitely behind for your age, but you should be because you need to pay off debt. Yeah, I started late with the retirement. I wish it was definitely a little bit better than that, but that's where we're at with it. That's fine. I just need you to hyper-focus on paying off debt, dude.

1:29:12Let's see if we can budget our way out of this. I don't know, man. Little hope. The mortgage, we won't add that payment into it because you're either going to foreclose or get fucked or done or just sell or deed thing and just... I'm stupid. You got quite the collection here, Caleb. No, honestly, you do. $5 ,000 is what comes in on a monthly basis. Okay. Wonderful. Great. Let's get your debt minimums, not mortgage included. Now, do you do anything like internet or utilities for the household? Currently, no for it, but I did just recently start paying utilities for the house. What house? For the house mentioned, like with the mortgage.

1:29:57So I'm paying those utilities. Okay, your debt minimum monthly payments, not including your mortgage,$1 ,505.37. That is insane. That is disgusting. Good thing we're doing. Clash of Clans and F1 posters. What is the utilities? So it was$300 initially for the water, but that's going to be about$80 afterwards. Yeah, utilities in total? In total,$200. $200 for utilities. Gas vroom vroom drive drive for your special little car? About$150. Car insurance? $130. It's not horrible. Phone bill? Phone bill, I don't pay anything. He is a man, baby. He is a man baby. Okay. If T-Mobile is good in your area, do helium once you have to pay for your phone bill, if you ever do.

1:30:40Groceries, do$300. You can do it. Use the meal plan in the budget-friendly cookbook and use the budgeting app. You can do it for$250. We gave you$300 for wiggle room. TP fun. Anything else you need to survive,$100. Medical health care, co-pays. That's automatically taken out of my paychecks. No co-pays. I don't have any co-pays. What about Jim? Jim, right now I'm paying$30. Okay, that's okay. Subscriptions, I'll give you$25. I don't think I need that much, honestly. I'll give you$15. Do you have pets? Yes. That's right. Okay, the dog? Yes. Just one dog? Just one dog. Age and health? He's five.

1:31:20You have pet insurance? No. Okay, I'm going to put in$40. Get good pet insurance. A lot of them are sketchy. Do you have recommendations for pet insurance? What is it? Spot pet. What is it? Spot pet. Spot pet's pretty good. Okay.

1:31:40And pet food, how much? About 60 a month, I would budget. I can show you a picture of him later. The dog. Quiet. No need. I will find him cute. But you need to survive, and this is what's crazy, without the mortgage, I mean, it's only half. $2 ,530.37. so I would just eat the loss on this house and just try to get out of it or get it rented or I don't know man because without it you should be able to pay off debt pretty damn quick you have an extra$2 ,469 left over and for the girlfriend and everything and fun I'll give you let's call it$469 of fun money a month so$2 ,000 left with your what was it $55 ,000 of bad debt well one sell the car get rid of that boom $10 ,000 beater,$15 ,000 towards debt.

1:32:33Now you have 40 ,000 hours of bad debt. Well, student loans are a minimum monthly payment until we're paying that off. I was just about to ask you if that includes or not. What is that? That is$12 ,000, so minus$12 ,000,$26.91. So we have bad debt,$27 ,973.09. Divide that by the$2 ,000. It takes 14 months to pay off just over a year. It's not that bad. You can move out, live a life with a girl. That's actually a lot better than I thought. Yeah, that requires you, one, selling the car. Two, doesn't take care of the student loans. Three, budgeting. And actually sticking to a plan for the first time in your damn life.

1:33:07It's pretty simple, my guy. Listen, come back on the follow-up channel and prove that you can do it. But I'm having a hard time because, listen, you've tried to do so many plans. That's what I planned. And then you never do anything. You just consolidate debt or transfer debt and spend all this money on bullshit. You spent so much money on bullshit. It was fucking crazy. And live with your parents while you just do Clash of Clans. So good luck. Good luck. We're going to call some of them in the post shows, so make sure you join Hammer Elite, the best YouTube membership on the platform. Let's get this Hammer financial score.

1:33:39Spending and a budget. Oh, you overspend, so 0 out of 10. Debt. You don't have collections. Behind on the mortgage. It's a 1 out of 10 for sure. Emergency fund. What was it, 2 ,500? I'll give you a 2 out of 10 because you'd want a little higher than 10 anyway. What was your retirement number? It was$19 ,000. Okay, for where you're at. It's at$21 ,000 right now. $30 ,000, that's about a 3 out of 10. Definitely behind for your age. Real estate, zero. You own real estate, you're behind on the mortgage. I'll give you a 2 out of 10. I'll go with 2. Hammer Financial Score rounded up, just barely making the cut to 2 out of 10.

1:34:18Join us in the post show, guys. Best YouTube membership on the platform. I'll see you there. Join Hammer Elite. Link in the description below. You want to call the mom and confront her? Has your son ever sucked? I would hope not. Confirmed. Mom hates the gays. Why do you allow him to stay there if he spends all his money on BS? Can he do anything? I don't think he can, which is starting to make me look like a failure. Are you willing to kick him out so that he can actually figure it out? Collusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

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