$400,000+ Of LGBT Debt | Financial Audit

26:33$1 ,081.11. Is this where you put your tax refund? Yes. What? the fuck, dude? You put the $5 ,000 towards it, it doesn't matter. You went and spent$7 ,688.06. Well, nearly$700 of interest accrued. Yeah, it definitely snuck up on me. I mean, um... Snuck up? What? What are you talking about? You went and spent $8 ,000! Snuck up on you? Well, overall balance is what I'm talking about. I mean... I don't understand how that I stuck up and you spent$8 ,000. That's not a sneak. That's not a sneak. It doesn't feel like I spent$8 ,000. I don't know. There's just a bunch of smaller transactions. It just adds up.

27:23And I just didn't realize where it got it. What does spending$8 ,000 feel like? That's more than your, literally more than your monthly income. Like, how is this sustainable? Well, it's not reminder mortgages. No wonder we have no, our savings isn't even close to a six-month emergency. We hate our job. Yeah. Not lining up great so far. What does spending 8 ,000 hours feel like? I don't know. I just kind of, I black out. I kind of like turn a blind eye and then we have a big balance. I just, it's not on the forefront of my mind, unfortunately. What's on the forefront of your mind? So I don't know if you're going to like this answer, but like during my relationship, I was like kind of like closed in.

28:12Like wasn't like I couldn't hang out with a bunch of friends. Like it was just it felt I felt smothered. And like ever since I've gotten out of that, I've just kind of done a 180. And I have. Oh, you're overcompensating. I am. I am. I am. I feel like I'm. So 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. What are you spending on this?

29:02I'm trying to have fun. In your perspective, what are you spending this on? I think most of it is going to be like eating out or like Ubers or going to concerts going to festivals traveling it's fun you should try it I go to the local one Austin City oh ACL that's fun but I can afford it and you should be able to as well but you're spending more than you make in a monthly business just on one credit card alone and then the monthly payment is half your mortgage the mortgage is your mind on So you have to, you can live a fun life on your income if you actually stay at this job, but you have to budget it in.

29:43And now we have to pay off all the consequences of your previous actions, the fun, this life that you've been living for two years. And you're going to have to bring in more money, guy, if we want to pay this off quicker so you can get back to fun quicker. How long does this take to pay off, dude? How long do you think this takes to pay off minimum monthly payments only without purchasing, which if I was just doing just the minimum 30 years? 31 years. You'd be okay with being in retirement age. You'd be able to take from your retirement accounts if there's anything left at no penalties. You'd be able to take it out 59 and a half.

30:23That's how long you'd be paying this off. This payment that is half your mortgage. In fact, this would be paid off after your mortgage. I don't know. to say.

30:38Hamper. What the f*** is hamper? $31.14. That's a laundry service. Laundry service. You do not live that life. You're not there. Sorry. I mean, just straight up sorry. It's not a ego stroke. I could afford that. I'm in that life. Yay for me. You're just not. I would love you to be there. I'd love anyone to get there. If you cannot afford something, you cannot afford it. And I don't do that. I wash my own clothes. You can too! Yeah, I mean, most of the time I do, but when I'm... If it's a week where I'm working 60 hours and I need... 60 hours? I mean, sometimes we have deals happen. Sometimes we have transactions and, you know, I don't think you understand what it's like to work in a law firm.

31:32In a law firm? but I know what it's like to work 60 hours plus. There are people out there with kids that work 60 hours plus that do their own laundry and their kids' laundry. You have no dependents. Law firms specifically, no, but the hours for sure. For sure. Yeah, I mean, I sometimes just need to do what's convenient. Need? I mean, that's what I felt in the moment, yes. while we were maxing out a credit card that you can't pay off. Tickets to disco.com. So we're spending that. Great. We're going to Shake Shack. Certainly not bottoming that night. And he went in, got some bull from 7-Eleven subscription, went in, got some bull, went in, got some BS.

32:20Wendy's timed village. Bloomingdale's outlet. Nordstrom, Nordstrom, Nordstrom ain't cheap. Nordstrom ain't cheap. And you could actually afford Nordstrom. but not with the way you're spending on everything else in this world. You're beyond spending more than you make. I mean, listen, again, more than comes in a normal month you spent on this card alone. We have many to go through. Express, and I love me some Express. They give me 50 % off, so shout out. Starbucks, Zara, going in and getting some BS, Greek lover food, Sparks Smoke Shop. What are you doing? What are you smoking? I had to pick up a vape.

33:00Why? You're not even in that age. Buddy, I'm a year older than you. We miss the vapes. I know. We miss the vapes. You're going back. It's not a healthy habit. I mean, I was smoking in high school, so I guess it's better than that for now. As far as we know. I mean. As far as we know, sure. As far as we know. But we do not know the long-term consequences. There have been many people with collapsed lungs. In fact, one on the show from vaping. Sounds like a problem for another day. Huh? Sounds like Bryce's problem for another day. Oh, he said his real name. That's what happened. That's what that bleep was.

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34:57And it sounds like a very expensive program as well. Problem, expensive problem. One thing at a time. Yeah, but maybe we stop that so we don't have to deal with it. I mean, do you work out? You seem, okay, you do that so you can live a better life. Why harm yourself at the same time, especially with a very expensive addiction? Put in the work, man. Put in the fucking work. Also, I love how you don't have enough time to wash your laundry, but you have enough time to go to all these festivals and concerts. In fact, the second purchase on here after the laundry was to go to a concert. Priorities.

35:31Yeah, priorities are... Cochina on the something. When he got some BS, what are you going into the gas station and getting constantly for like six, seven bucks? Usually like a Red Bull and a snack. What? Dude, just buy a bulk, man. Just buy a bulk. If you just properly budgeted, you could live so well, you have no idea. People out there that are watching this video right now are begging to have your income. And yes, even with 60 hours a week sometimes, they would beg to have your income. They should work for it. I agree. If they want that job, they should work to go get that job for sure. But that's a little easier said than done.

36:10You are in a position where you are childless and you're single. Other people have harder obstacles. If they put their life on hold to go to school, they might not be able to pay for their kids' ability to, you know, get school supplies or in a sports program, whatever it is. You are in a mortgage situation. If someone else is in a mortgage situation, how do they pay for that if they put their income on hold to go to school? It's easier said than done. I went to work full-time. I went to school full-time. It's doable. Again, without kids and stuff. Other people at 30, 29, it's a little harder.

36:43I'm not saying, oh, trust me, people should, if people want to do it, you're right. They should work for it. I'm not jacking them off. You know? But still, people out there wish they had your income, and look what you're doing with it. It's a joke. You could be living such a good life, and you're choosing to live a f***ed life, and I don't understand why. The soap factory venue? Twice? It's the venue, yeah. Great, so two concerts this month. I got two drinks, that's it. Two concerts this month, but we can't do our laundry. It's so easy to just throw it in, let it go. It's the folding and putting it away.

37:16Don't fold it and put it away, hang it up. that too that's quick and easy it's awful I hate it quick and easy I'm a lazy little bitch and I do that I mean you wear black t-shirts I wear a lot more than this I don't wear as fruity as that but I've been wearing more collars I'm proud of you thank you you're doing great even still I'm confused how folding up this versus folding up that is or hanging it is much more complicated buttons I'm just saying it's a lot of laundry's a lot of work and it's the one tour I really don't like. It's really not. I understand not liking it, but it is not a lot of work for a single dude.

37:53I'm sorry. When you live in the closet, you build up a wardrobe and it just keeps expanding when you get older. That is the gayest excuse I've ever heard in my life. I mean, it's true. I have a lot of clothes. Yeah, but you can get rid of clothes and you're not wearing all your clothes. You have a lot of clothes. You're not wearing them all every week. So that doesn't make sense for your laundry situation. Just because you're owning clothes doesn't mean your laundry's high. It's based on what you wear. Yeah. It's also based on how big that stack of unwashed clothes gets before you decide to not be a lazy piece of shit.

38:28I mean, I do live alone, so I get to it when I get to it or I have somebody else do it. Yes, and look how that's working. It's going so well. Riches? What's that? I don't know, you tell me. In San Diego. Oh, I'm not sure. I was on a work trip, so. So you're blacked out again? I mean, it's being reimbursed, so. Really? Going to the bar there? Yeah, it's called business development. Yeah. No, I'm not even joking. I know you're not. I think it's a joke. No, it's not. Not in my industry. No, it's not, but I think it's a joke. I'm not joking. I know you're not, but it is a joke. Why do you think it's a joke?

39:11Because it's stupid. Okay. went in and got some bullshit Tom Thumb Einstein Bros poolside DJ set so here's the third one third one can't do our laundry more DJ set I'll do it club went to the club can't do laundry door dashing door dashing Gong Cha 7-11 went and got some bullshit SoundCloud monthly who the f*** does that it was Spotify which I'm not even digging in on as much these days but SoundCloud Monthly what the f*** are you doing? Hobbies Are hobbies paying for SoundCloud Monthly? So I DJ when I'm not working at a law firm So we have time to DJ but we can't do our own laundry Priorities!

40:01Yes, that is a priority It shouldn't be It sparks joy Sure doesn't clean clothes? Yes, that's why I have somebody else do it How much you spend? That is not a cheap hobby, man. People get in the equipment world hard. I've come from the music world. I know how expensive this can get. How much have you spent on DJs? We're probably around 10 grand. 10 grand? Yeah, new controller alone. You just spent$3 ,300. Whoa, what is your life? Why have an emergency fund to be able to pay our mortgage on time when we can spend$3 ,300 on a new controller? I bet your beats aren't even good. you should come to one of my gigs no I will never be seen oh DoorDash, DoorDash, Gong Cha Winning got some BS, Winning got some BS there's just on Cloud Monthly Grand King Spots, we have time to go to the spa but we can't do laundry lots of time to do pretty much anything but basic chores Vicky's gardening I had some plants to put in my landscaping Great, so we're landscaping, but we're not doing laundry.

41:08Dude, this is so f***ing stupid. Winning, got some BS. Gardening again. Oh my gosh, the statement is insane. The statement is insane.

41:21Winning, got some BS. Pressed of Town Plaza. DJ Pool.

41:28Winning, got some BS. Ooby Dooby. Ooby Dooby. It's a festival. I'm sure it is. What is this? Number six and you still haven't done laundry? Oh, Winning Got Some BS, DJ City, number seven. But we, no, that's a subscription. West Enterprises, ooby-dooby, ooby-dooby. So that's number seven. Renaissance, Tom Thumb, Beatport. That's a grocery store. Panera Bread. Yeah, well, you went in there, buddy, and you spent$9. So I don't know for a fact you weren't getting groceries to prepare. Oh, Red Bull and a snack. Yes, Red Bull and a snack. Winning Got Some BS, DFW Brand Shop. Winning Got Some BS. Univision Shop, I think Amazon, Vending Machine, Music Mate, Vending Machine, Spotify, Uber Eats, Beatport, CapCut.

42:18For f***ing what? I don't even know. Oh, for f***s sake. Oh, you have lifestyle inflated beyond, beyond what you could possibly handle. And good luck coming back down to earth, man. Drop Oxy Pace for that as well. 360 Market, Racetrack, After Hours, Video. What even is that? It's$114. It's an adult shop. What are you getting? What do you get at an adult shop? I don't know. What are you getting? Wouldn't you like to know? That's why I asked. What do you think your question is? Um, what did I get? Just twice.

42:59Another concert? F*** sake, man. See tickets? And Seagull's Beverages.

43:09You've had a late fee this year so far. I'm sorry? You've had a late fee this year. I've had a couple.

43:20The slippery road that he doesn't seem to understand is slipping. I mean, obviously, I don't want a late fee. And most of the time, I get it right. Buddy, we're not even fully halfway through the year yet. And you said a few. you you're choosing all that bullshit the Red Bull in a snack and then you're late I don't know how those two have anything to do with each other but buddy if you're going out and blowing all your money and your minimum payment is so high that you are too afraid to put something on an automatic payment I'm not afraid to make a payment you're too afraid to put it on an automatic payment because it is so chunky you're afraid that You refuse to listen to the idea that I don't get paid on a consistent schedule.

44:06I don't get paid in a line with the due date of every single bill in my mortgage statement. So I don't have everything on auto pay. Sorry. If you're budgeting like a big boy and not blowing all your money, your minimum monthly payments wouldn't be so high that you're not afraid that they can be on a minimum monthly payment that you are having on an automatic payment. Limu, Limu! And Doug. Here we have the Limu Emu in its natural habitat, helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally, Doug. Uh, Limu? Is that guy with the binoculars watching us?

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44:59You shouldn't be afraid if you budget properly. Your minimum payment shouldn't be so high that you're afraid of an on-demand payment if you're not spending all your money. What are you talking about? Where is this logic? I don't know. You know more than me about this, I guess. Buddy, this isn't complex stuff. This is a very basic show. Very basic show. I yell, I goon, I roast, and we talk about basic finances. Come on. They ask you how you are and you just have to say that you're fine. fine. You're not really fine, but you just can't get into it. Saying I'm not listening to your logic. I understand your logic.

45:31Your logic's flawed. Your logic's moronic. It's you blowing all your money until you're maxed out. All right. Well, that's where, where I, that's my perspective. Your perspective. And if we have a flawed perspective. Maybe that's my flawed thinking. I don't know. But I'm just telling you where I'm coming from. You don't seem to accept that. So we have, but the thing is, if we have flawed thinking or flawed perspective, that's when we change it. All right. Teach me your ways, sir. Teach me your ways. I just did. If you're budgeting properly and not blowing it all on snacks and Red Bull,

46:01that's that easy. You budget and you don't blow all your money. Your minimum fee payment gets lower. You start paying it and you can put it on automatic and you budget properly and you won't be afraid when they hit. I don't know. I'm sorry. I'm sorry. I don't understand the complexities. Maybe you can tell me where you're confused on that. Let me be real with you. You can't fix your finances if you're running on four hours of garbage sleep every night. And I'm not talking about staying up late grinding. I'm talking about tossing and turning, overheating, waking up more tired than you went to bed.

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47:10And right now, 8Sleep's giving$350 off the Pod 5 Ultra and$200 off the Pod 5 Core. Or just use code HAMMER at checkout and go to 8sleep.com slash HAMMER. Again, that is 8sleep.com slash HAMMER. And use code HAMMER. This is one of the few upgrades I made that actually paid off. So if you're serious about changing your life, start by getting some real sleep. I'm not confused. I'm just telling you where my mind was at. Where I'm at. Like where I'm at. So that's it. Yeah, but you can change your thinking. I mean, you're having late fees again. That's why I'm here. I mean, I'm trying to. Yes, yes. First step is acknowledging a problem.

47:55Second card. This is another city advantage, no? Yeah. I like the travel benefits. Which is completely negated by all the interest that is accruing, so I don't really understand. I don't know. It's paying for my trip next month. Yeah, and you've more than paid for your trip in the amount of interest you've given them. I still enjoy it Okay But you could have paid for it Plus Maybe a first class Ticket If you weren't giving them all money and interest I'm saying the money would have stretched further Okay, gotcha Where are you going even? Tomorrowland In Belgium

48:39You have maxed out credit cards You're behind on your mortgage and you're going to Belgium? You are prioritizing the wrong things. You are living such a delusional life. You are going to be the wealthy person that loses it all and everything. You could be so wealthy. You could be so wealthy. You could... I don't know why you accept this life. No wonder he left. $5 ,093.99. with a minimum monthly payment of$224.11. You purchase, again,$1 ,454 on this. $173 of interest was accruing. Is accruing. You're also going to Peru later this year. My, dude, my absolute, what are we doing? At a wedding. You're getting married?

49:34No. Then I don't care. You don't, you can't afford it. It's as simple as that. Destination wedding. and some people, if someone picks a destination wedding, they have to accept that not everyone can afford to go. It's Machu Picchu.

49:51Once in a lifetime. No. No. You make a lot of money. You can go multiple times in a lifetime. I don't want to go multiple times. If you budget. You can go one time later. I want to go with my friends and celebrate their wedding. Couldn't even sell your house right now. You'd be underwater. I told you I'm dying in my house. Yeah, but if in case of an emergency laid off, you would rather sell it than get foreclosed on. Yes, of course. You wouldn't be able to sell it. After commissions and fees and everything. No. You'd be f***ed, dude. I feel like the points have kind of made it easy. I mean, the points paid for all the travel.

50:36Shut the f***, dude. Yes, but you have paid more in interest How do you think they make money? They're not a charity organization handing out free travel Uh, Zatio Fifth Fireside Select Start Arcade Arcade, Arcade Grand King Spa Water Burger Pax and Beneficia Yolk Main Brunch. Great. All this while we're paying for laundry again. STK, Papa Docs. By the way, laundry services, someone comes and picks up the laundry, watches it, and brings it back. Well done. I'm letting them know because why the fuck would people know that? I only learned about this a month ago when someone suggested to me. Who the fuck knows these things?

51:25Like, he's not going to a laundry place. They're coming and babying him. Papa Docs, DJ Suite, RSV Complex, RSV Complex, Thirsty Beaver. Water Burger, Taco Bell, Burger King, Panda Pagoda, Coin Op, North Pa, I don't know, Observer North, Riches, Riches, Riches, Drink, Drink, Drink, or a development. A late fee this year as well on this card. What the f*** are we doing? This month I was just distracted. Every month, it apparently seems. No, because I don't get late fees every month. It wasn't this month, though, but you were late on your mortgage this last month. So you have had three. These are all the same cycle.

52:15No, I'm saying this year so far. It wasn't this last month. It wasn't this last month. You've had multiple months within this year. Are you looking at interest? Oh, my. I'm saying fees, late fees. Buddy, mortgage is behind this most recent month. Early in this year, this was behind. Earlier in this year, another one was behind. mind you are having multiple times throughout just the six months we have been existing this year where you have been late all right but did you see the payment i made the day after because i knew that i missed the payment i was like oh let me pick that up you're paying fees because of it look how you're managing that's the consequences of my actions no it's the consequences of credit cards you're not a credit card person why would you possibly use credit cards because i used to be really good at it doesn't matter you're not i don't care i mean i've just kind of gotten in a A murderer used to not murder, and then they murdered.

53:02We should probably put them in prison because they're a murderer now. Listen, you're bad at credit cards. This is a tool that you are, it's a tool just like a hammer, but you're swinging back in yourself in the head. I mean, I used to pay, I used to be really good, you know, pay it off, buy the due date in full, you know. Okay. I don't, and then I got in a cycle and I got carried away. Which is where you are. So why would we still use credit cards? I used to. Well, because when you get into the cycle of using credit cards for everything, then all your payments need to go to the credit cards, and then you don't have anything on your checking account left.

53:36I understand how that works. So you're asking why am I still using them? Because I'm in a cycle and I don't know how to get out of it. Buddy, all you're spending on here has been bullshit. You don't have to spend this money on this stuff. If it was necessities, that'd be a different conversation. Never looked at it that way. Okay. Well, either way, buddy, listen. If you used to be a bad person, you no longer are. I'm not treating you as a bad person. You turned your life around, okay? It's not TikTok where we punish people forever, okay? You used to be a credit card person. Now you're not. I'm not going to treat you as a credit card person because you were.

54:12You are not right now. That's all I care about. I see. What happened? What was the turning point where you were like, okay, I was paying them all off and all of a sudden not? I don't know. They're good at what they do. They give you all these intro offers and they let you carry balances. and there's like 0 % for such a long time and then it sneaks up on you and then they have these like built in with a credit card. They're like, oh, do you want to take six months to pay this large purchase off? And sometimes I do that. And it's like, and then all that expires and here we are. I don't know. There's a lot of reasons.

54:46A lot of reasons other than you just being like, oh, I'm bad with money. Yeah, I've had that realization. Yeah, but all the reasons you gave for everything outside of you and what you're doing. Deflection, deflection, no accountability. How do you get far in life without accountability? I don't know, man. You gotta change, you gotta realize what you've done is wrong. I mean, honestly, I'm not accountable to anybody. But you should be at least to yourself. That's fair. And also, you're accountable to your boss, what the fuck are you talking about? You're also accountable to the city to pay your property taxes.

55:19Which I do. Exactly, you're accountable to people. You're accountable to the bank to pay your mortgage. I just don't... Yeah, but it's a lie. You are accountable to many people. That's just incorrect. If your worldview's there, we need to correct it real quick because he ain't just walking around not owing anyone anything. That's not my worldview. I'm just saying that's part of the problem. I mean, I just... I love the moment he gets called on. Excuse me. I don't have self-discipline all the time. I'm impulsive. I don't... Am I giving you the answers? I'm trying to tell you how I got in here. And this is why I love it.

55:55Does this make sense? This is his answer that he gives for everything. He says something that is like objectively a bad worldview. I call him out on it. He's like, oh, but that's what I was thinking. You just told me you're accountable to no one. And now you're saying, oh, that was just past me thinking. No, I'm not saying. I said I am an impulsive person. You said you're accountable to no one. The two are not mutually exclusive. But that's what I was talking about. That's what I was having a conversation about. Unless you're having a different conversation. I don't know. Excuse me. You're dying, don't die.

56:33Air. All right. You okay? I'm okay. Yeah, you still got coke eyes, so I don't know. Cocahina. No. Flower. I didn't sleep well last night. A little nervous? A little nervous guy? Yeah. Yeah, that's okay. I'd be nervous too. I get it. Next is a slate card. Oh, good. We paid$500 towards it. Then we spent$3 ,083. I don't understand the point. You owe$4 ,535.19 with$145 minimum fee payment. These minimums are stacking. No wonder we're late on shit. Who would have thought? It's not a disorganization. It's you have stacked your minimum fee payments so high that they're hard to afford. 15 years to pay off minimums only without any purchases.

57:15Oh, here's a$40 fee. Yeah, so this meal's recent month on this one was a late payment. multiple months throughout the year four accounts so far all behind schedule I'd vibe with your logic if you at least made something on time but so far you haven't it's been completely f***ed it was a bad month but the other ones were from previous months so every month's been a bad month according to you no okay think what you want what are you talking about all of these are in the same month No, you tit. You're not listening. I don't know what you're looking at because this makes no sense to me. I don't make late payments every month.

57:57I don't incur late fees every month. But that's what it sounds like. We've had four this year so far. One from this most recent month. This one. This statement is from the most recent month and you had a fee on this statement for not paying on time. Your mortgage was behind from this most recent month. Okay, good. We got that. Yes, from those two. The two credit cards that we talked about before this. The fees happened earlier this year Not this most recent month Earlier this year So you have been late at least twice A couple times, yes We've established this I don't know why you keep saying it No, because you just said it was a hard month Suggesting that everything has been this last month No, I'm not suggesting that at all Oh my gosh I'm saying I've been late a couple times And you keep repeating it I don't know what else to tell you Yes, you're right And why say this was a hard month?

58:45You're only looking at this last month's statement I'm just saying it's not something that is a regular thing for me. Four times this year. It's been six months. I don't know what you're talking about, man. Maybe twice. I don't know. Four. I've had four. I've had four statements of this. I'm sorry. Maybe we're looking at it different ways. I'm just looking at the statements. Yes, I understand. You're looking at it account by account. I look at things month by month. Hey? Okay. You can't tell me what months from the two-city van. advantages that you were late on? Would you even know? No, I don't.

59:20So you're not looking at things month by month? But generally, when I'm late on one, if I'm late on a credit card, there's a good chance I might be late on something else in that same month. How's that memorizing? It just happens. You don't know when you were late just like a couple months ago? Like, I would know it. It's not memorizing. It happens so you know. We dedicate our memory to different things. Yeah, but that's a simple one. That is a very simple thing.

1:00:14Very simple thing. Kia, Wendy's, Guitar Center,$563. Come on. Amazon, Apple Belt, Art, Nails, Spa. They look like nails. Use a f***ing Clifford, dude. Urgent CBD Hookah.

1:00:38DoorDash Pass, Strike and Reel. Insomnia Cookies, Going In Against the BS. Insomnia Cookies, Strike and Reel. singles beverages. So you are trying to get back out there, I see. I'm sorry? Singles beverages. It's a liquor store. Oh. For singles? No, Seagulls. Seagulls. What were you going to say? No, I saw me a cookies. I sent my dad some cookies for Father's Day. You can't afford it. You have two different gym memberships? Why? One for cruising, one for working out? That's funny. Gold's Gym ladies and gentlemen That's what they're known for Really? Guess I'll have to get a third I don't know my video editor Used to go to the one downtown He said men were always trying to Get a little glucky glucky I just need to go into the LA Fitness And cancel that one I just haven't Do it There's so many easy things that you're able to do Just even save a little bit That would at least allow you to Like, it's not what I want you to do, but at least you'd be able to spend that money on something more beneficial to you, more fun.

1:01:48Like, I would rather put it towards debt and budget, but even still, just, you'd be able to...

1:02:00You've had three late fees on this card alone this year so far. Really? Yes, really. Buddy, what the... You're right. Three out of six isn't technically a majority, but it is half. What the f*** are we doing? What the f*** are we doing, buddy? You can't be trusted to make payments on your own without automatics. You can't. You can't. You're not disciplined. You're immature financially. You're spending so much on bulls***. Late fees accruing like mad. interest like crazy at a 27.24 % interest rate. Can you pull out your phone for me? You have two phones? Yeah, one's a work phone. Are there subscriptions on that?

1:02:53No, I don't pay for that. That's work issued and all that. Do you have Botox? Yeah, you should get it. I'm considering it, but I don't really move my upper forehead. That's why I don't have any lines. You also have hair. Yeah, but I could change my hairstyle at some point. That being said, I do have a little this and a little this. But I noticed your forehead's not moving. You got Apple one. Cheshi Bautiba, that is expiring. Chord Butter, easy songwriting. I don't know. It is expiring. I sign up for dumb shit all the time. Snapchat Plus. Is that still active? It's expiring, but the fact that you actually did it.

1:03:33And of course you have this one here. And then Roomster. X, Walkie Talkie, Rattles. Yeah, you get so much. Balance Premium, iRoomit, Roomit Finder. No, these ones are canceled, but just see what you've had. LinkedIn, Max, Disney +, Grindr, Apple, Canva, Hulu. You were trying to get back out there, at least in September. What happened, buddy? Why'd you stop trying to get back out there? Well, there's a difference between getting out there and looking for a relationship and looking for a good time. So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner.

1:04:14I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees.

1:04:47In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date self-paced courses one-on-one or group coaching from people that work in the industry and most importantly They help you actually get hired Just look at graduates like Nemeso who went from driving FedEx trucks to a cyber security job at Disney that didn't happen by chance He put in the work and course careers guided him every step of the way and what truly sets course careers apart Is that it's not just about learning skills?

1:05:27But landing a job their curriculum is designed based on what employers actually need and their network of industry coaches will guide you through the entire process from learning the skills to interviewing resume help and beyond so if you're serious about starting a new career without wasting years or piling up debt give course careers a try start with their free intro course linked in the description to explore your options and when you're ready use the link in the description for 50 off the full course your future starts right now and course careers is here to help you shape it okay i have a Amex, but I don't have a statement for it.

1:06:01That's not mine. I was an authorized user on my ex's account. Oh, the 50-year-old? I didn't realize I was on my credit report. I had no idea I was an authorized user. When did you become an authorized user? How old were you? A couple years ago. If you're a 21 little immature, I can understand that. Why does it matter? I'll call and get it removed. Why does it matter? Because you got on a couple years ago. You should have known better than 27. As an authorized user, or you didn't at least look up what it would be? Because you can look anything up. You had a chat GPT subscription. I know you're able to do a little bit of betting.

1:06:34What am I supposed to look up? How does this affect my credit? I don't know. I mean, it probably helped it, right? You don't want to be informed on the decisions you do? Yeah, if he doesn't f*** it up. I see a balance of 979. But if, I mean, well, that's not good. Yeah, I'll dispute that. This is making, dispute it? No, you're an authorized user. No, I can remove it. Yeah, and you need to. All right, then I'll do that. But you have, I didn't know who was there. You sent it to me. Okay, but how many pages was that credit report? 60? You don't look at things? No. Buddy, these are under your account section.

1:07:09I generally don't look at my credit report. You know why? Why? Because there's never any late payments reported to it. That's all you care about? If I'm not, if I don't have negative credit history, then why would I be so hyper fixated about my credit report? Not being hyper fixated, but you've had this for a couple of years. You've never looked at your accounts once. Also, I have no desire to open more credit. So why am I... Well, good. That's the same thing. Thank you. I appreciate that. So why would I look at my credit report? I'm just saying, listen, you sent this to me. You asked for it. You were an authorized user on his account, and you did not know what the impact of that was?

1:07:45Well, I didn't know that I was on there at all. That being said, though, buddy. Like, if you do care at all, this being removed will be an account removed from your credit. so it might slightly hurt your credit if this has been managed correctly but it is also risky to have someone else so I'd still rather but it is going to potentially lower the age of your credit which will kind of suck for your credit score it'll bounce back eventually eventually but this is just something to be informed about I'm not going to add that into your debt situation I would definitely get on the website for sure though I'll take care of it okay TD Car through TD.

1:08:29Okay.

1:08:34I love that the one account that wasn't passed through was someone else's account. But we're passed through the car! You better believe it! You better believe it! Jeez, what is the car, dude? I'm sorry? What is the car? Oh, I drive a Ford Bronco. $32 ,444.23. the minimum payment is$7.90 but of course we owe $15.80 because we're behind what the fuck are we doing man what is the interest rate on this it's probably like I think $7.00 okay that's not great no it's not like I'm gonna vomit but it's definitely not great take that I mean that's barely competing with the market throwing the money in the market but taking depreciation you're definitely losing on this it's worth a few hundred bucks less private sale not trade in private sale then you owe on it so it's not great it would be hard to get out of but But honestly, one thing I would consider doing, if we really care about paying off our debt, one thing I'd consider doing is selling this private sale, getting a$10 ,000 car and getting a$10 ,000 loan on that.

1:09:33Getting that car, don't trust me. I know the first thing you're going to say is, oh, it's going to be a beater. It's going to be shit. No, I was literally. You take it, you get it approved by multiple mechanics before you purchase it, that you're not going to have to pump a lot of money into it and it's going to be safe for a few years. that would be a quick way to one, eliminate the chunkiest debt so far for sure, except for the mortgage obviously and also just our minimum monthly payment would be lower and that allows us to throw more money at the other debt. The fact is you can afford this, this is relatively fine if all that other stuff didn't exist.

1:10:08Because that other stuff exists and you can't just sell a credit card to pay off a credit card, you need to sell this car and throw everything we can at the other day, and then you can get even a nicer car, honestly, if you want to after that. But it's the sacrifices now for a better future. I'm open to it. You're actually open to that? I appreciate that. That is a rare thing to hear. This car, like, I love my car, but, like, I used to have a Ford Ranger that had a 0 % interest rate. I loved it.

1:10:42What happened? I totaled it. Okay. Did you have gap? I didn't have gap, but I had a lot of equity. Yeah. And around with that, but that's a whole different story. But I mean, this car I kind of was bought out of necessity and just had to take what I got as far as interest goes. I mean. And you didn't use the equity from that last car. Where'd it go? Card of cards. Which we know how that works. Again, this is the same thing with putting your tax refund on it. Same with putting the equity on it. Same with bankruptcy. Same with credit card consolidation. Someone like you that isn't capable of changing their behavior yet, and I hope you do, but someone who has not shown any indication of being able to change their behavior because you spent more than your higher income month because of the tax return and you're late on fucking everything.

1:11:32You can't do any of those shortcuts. You shouldn't have put your tax return to that yet. I would have just put that on an account and let it sit until you fixed your behavior and then throw your tax return towards it. Because if you do not change your behavior, you're going to end up like everyone that's been on the show after bankruptcy or consolidation. You're going to be right back in that position. And guess what? You did. You threw the tax return out. And then you spent$2 ,500 more than you even put towards the card. This is what happens. You use the equity from that card. You use the tax return.

1:11:58You use bankruptcy. Whatever you do, it just immediately f***s because you did not change behavior. Why are we past due on a car? A car that's not even completely f***ed, honestly. Why? I missed the payment. This is every account besides your ex's account. It's been late this year at some point. Like, what are we doing? This doesn't make sense. You have such a privileged position. And you're throwing it away. How long have you been making this good of an income?

1:12:38two three years I'm sure part of it was lifestyle inflation but you're too far in you're too far in buddy you are 29 there's no excuse for immaturity you should be learning how to budget I don't understand it of course we're going to get you set up with the premium version of our budgeting app we're going to put you in our servers dollar wise central where you get all of our classes as well which teach you how to budget invest get real estate which at least you did that first part but in our class we would have taught you not to do what you did and you wouldn't be in a position. You go through all the classes.

1:13:12Because you should be budgeting to 29. I'm concerned that you don't or that you haven't even attempted. It's scary. Student loans. Chunky, how many student loans? 20 grand. And your payment on your student loans? Like 150 maybe. Okay. It's a bit lower than I'd think. Why? I mean, it's the cheapest debt I have, so I figure why rush to pay it off. Is that the standard 10-year payment, though? I don't know. I think I did stretch out the payments. Why, though? Why would you do that? Because you're just going to be paying more interest. I would just do the standard 10. Well, the interest is nominal, and it comes out in the taxes.

1:13:57I can kind of vibe with that relatively. It comes out in the taxes. At your income? I mean, the last tax return, I believe. Did you push for it? It was deducted, I believe. You're like at that threshold. If you make as much as you say. It might have been. I mean, you have my bank statement. No, the total, the total yearly. Yeah, I mean, it might have been a timing thing, but I don't know. I'm seeing student loans$17 ,343. I would have guessed it would have been closer to about$2 ,250. in the 10-year. I mean, I'm okay. Student loans are a little more on the back burner in general interest-wise.

1:14:37It makes sense, but I would at least just do the 10-year payment. Just get it taken care of. Because 10 years is still a long time and we don't want to have debt over our head. It makes it harder for us to do so many things in life. It's risk. Though it is one of the least risky debts because there's a lot more flexibility when it comes to losing a job or something. Why are you even here? Why are you on the show? In your perspective, what are you trying to do? So, my best friend told me that I had to be on the show. Really? Yeah. I mean, we talk every day. I don't know, because I guess she's a big fan of yours.

1:15:14I just found out about you about like a week ago. But she looked at you and she's like, go on the show. Why? From your conversations with her, other than just being a fan. She looked at you and determined, yeah, you got to go over there. Well, she's got the best mind for me. I mean, she's the one who told me to buy out my ex of the house. I take a lot of advice from her Okay Did the ex want to get bought out of the house? No he didn't He was a bitch about it Did it make sense at the time? Because I would agree in general to get him out But you had to take out some weird debts to get there It was definitely not traditional He didn't want it Because he was like He didn't want me to have the house Because he's like well what do I get out of this relationship Well the equity that you put in you had in the house, that's giving you money.

1:16:04So he's just being petty. Bad breakup? Yeah, I mean, yeah. What breakup is good? I had a good breakup last year. It must be nice. It was nice. Well, I mean, it's not nice to break up. I guess the gays don't break up very well. Okay. Drama. Sure. I'm sure he's found a nice new twink now, Brian, right? Yeah, he's imported one. They're legally somebody else's problem See? And they're married very quickly Anywho Gay men have the lowest divorce rate I wish them well Do you? What does your friend tell you? Quite often you guys have these conversations around money She's basically like I bet she's not as good as I am She's basically like a a female version of you.

1:16:58It's a little bit toned down. A little toned down. I was going to say, because I'm a... Yeah. She's a little bit more... nice. Yeah. Yeah. Most are. I accept that. Yeah. But what does she say you should do here? I mean, budget. Okay. That's it? Has she done the deep dive? I mean, she... Everything I sent to y 'all, I sent to her. And? And she's like, well, yeah, this is a disaster. Is it embarrassing? It is. Listen,$277 ,000 is your mortgage, but your total debt pile is$415 ,000. She's like, you have almost half a million dollars in debt. Yeah, but half of it's, your mortgage is chunky, but it's really only half still.

1:17:47Right. Like, that's crazy. Your checking account. I mean, this is, I mean,$2 ,000, I'm at least glad that's been there. the only automatic payment it would technically be able to afford every minimum payment if you put them on automatics not at the same time but if any of them were to hit your mortgage by$1 and$0.01 and$0.04 I guess maybe my thing with the minimum payments is like I don't make minimum payments I'm always making more than that that is not what we come on buddy that is not what we're seeing in these statements well no I'm spending more on some of the credit cards you put more than your minimum payment but then you spent more than you put on it but that's what I'm saying my bank account is empty at that point if we are doing something and it's never working out what do we do?

1:18:39try something different why haven't you sat down and tried to figure out I get overwhelmed because it's you're working legal though you're working overwhelming I'm really good at solving other people's problems. And then when it comes to your own, you just freak out? Yeah. Go to therapy then, I don't know. Maybe I should. You don't? No.

1:19:10Cash app. Zellen money out,$255. Zellen money out,$62. Zellen money out,$30.

1:19:21Sniffies? Hmm? You paid? for Sniffies. And we at Hammer Media here know what Sniffies is. We love to joke about Sniffies. It is like the craziest if you go to that website, it is the craziest thing you see. We had a Gooner that worked here once pure Gooner. Love him to death. He just showed us around Sniffies. Let me tell you that thing. It is a it is you open that website. It is a map full of schlongs that are hanging and flopping around booty holes and you just pick which one you want and you go there. It's like a buffet. It's a buffet. And there's like locations where it's like go to this bathroom and you can come.

1:20:03It's crazy. And you're paying for it? I didn't even know it was a pay for. Well, I do so so that I can hide from people. You can go in hidden mode. If I'm messaging somebody, I don't want to see a bunch of messages from everybody else. Dude, this is like a fast track to an STD. Sniffies, You're showing up to a picture of a schlong and you're like, that's the one I'm choosing today. PrEP and DOXY. You're using, yeah, but that, what's the other one? DOXY. I don't know about that. I know PrEP does HIV. What's the other one? DOXY is, it's like a post interaction. So it'll prevent syphilis, chlamydia, and gonorrhea.

1:20:43Does that, is that, is it in the antibiotic world? Yeah. You take two pills. That can't be great though, right? Always hitting yourself with that. That's going to make you resist. I mean, I'm not around as much as you think I am. Well, you're paying for sniffies. Sniffies. It is the craziest platform. Well, you've seen I like to acquire subscriptions, so that was a natural progression. So you're just going to San Diego, work trip, doing some understalls, doing some f***ing holes, glory holes? No, I'm a little more classy than that. Really? Isn't that all I saw on that app when he was showing us?

1:21:13It's not even an app. It's like a website because the app store won't even allow it, right? I think they just banned it, yeah. Because it's insane. It's a f***ing. It's a hive of hives. Different strokes for different folks. Yeah, but this entire app is just pictures of people stroking. There are literal, guys, if you want trauma, go to that website and you will see. We call it trauma. I call it an opportunity. You will see, you will see, you will see in progress on that app. Yeah. You will see progress. You will see someone that just posts a picture of their hole and they're like, come through.

1:21:53And there's like, oh my gosh. It was one of the craziest experiences ever. And it's hilarious. Mom, if you ever see this, I'm sorry. You should be sorry to your body, man. That shit's crazy. That shit's crazy, man. It's one of the craziest things I've ever witnessed in my life. And you're paying for it. That is wild. It's a good investment. I never thought I'd see. Is it? It's one of the craziest things. I have ever I never thought I would see it on this show Wow Oh$40 in our savings Emergency fund Almost enough to pay for sniffies HSA I'm glad to see a little bit of money in there Guess it pays for all your post nut antibiotics

1:22:4525 ,000 hours in retirement definitely not even close to where we'd want you to be we'd want you to be around probably 112 ,000 right now really? yeah because by 30 you should be a minimum one times your retirement one times your income for retirement it's the traditional thing and honestly those traditionals usually don't even give you enough if you want to maintain your lifestyle in retirement

1:23:14Let's get you a budget Okay, we know what hits your account Is$7 ,583.30 On a monthly basis Let me get your debts Wait, I didn't see your other debts That you said you have for this house The home equity loan? Where is that? I sent it How much is it? How much is owed on it? I can pull it up Okay, I do have it in the spreadsheet. I just don't think I have the document. $48 ,477. What is your minimum monthly payment? It's$501. And the 401k loan, is that still active? It is, but that's like a$25 payment. It comes out of my paycheck. No, no, no, no. That's not the scary part. If you lose your job, they can call it due.

1:23:58Then they have to pay the whole thing. It counts as a withdrawal and I have to pay taxes on it. Yeah, and penalties. I mean, let's not lose the job. Well, yes, but recessions happen, law firms close. Yeah. You know, a lot of things happen. Okay, so again, the home equity is$48 ,877. What's owed on the 401k loan? I think it's on that page, the one that you just tossed. Let me find it. Okay.

1:24:31It's got a pie chart on it. I see the repayment,$74, by the way, not$25. Oh, that's a month. Okay. I don't see the loan specifically, but it's okay. It's okay. I don't need to put that in your loan thing. Oh, you're in a target date index fund. That is good. I am happy to see that. I don't know what that means. It's essentially applying risk based on what year it is close to retirement. You're saying you want to retire around 2060 is the fund you picked. So right now it's going more aggressive. as it approaches 2060, it gets more conservative and like bonds. Now, typically index retirement funds do start moving a little heavily towards bonds quicker than most people would suggest.

1:25:11However, for the average person that doesn't want to get in and mess with the retirement and a lot of stuff, index retirement funds are good. Average person. It's a little too bond heavy, a little too quick, in my opinion, and honestly, a lot of CPAs' opinions, but it's good for the average person. So I'm okay with that. And that gets you about$65 for retirement, right? It looks like you still owe$3 ,821. On the 401k. On the 401k. It's chunky. All right, let me get you a minimum fee payment. That$501 is substantial. A substantial thing we've missed. That's chunky. So not including your mortgage, your debt minimum fee payments alone are$1 ,810.11, which for your income, non-mortgage debt, is already 24 % of your income.

1:26:01A quarter is going to minimum monthly payments. Are we shocked that there's late fees? I'm not, unfortunately, at that point. So we know your mortgage is$2 ,117.04. Utilities, gas, electric, internet, trash, sewer, all that combined, how much on a monthly basis? HOAs,$270. That's a chunky HOA A month? Oh, for what? It's a neighborhood It's not even a I mean, they do all the landscaping And the amenities And it's just That's expensive landscaping Let me tell you Welcome to Dallas I live in a more expensive city I live in a new development I'm moving to a new development And still Well, be prepared Landscaping's not the I know what it's Okay, continue you?

1:26:49Electric, water, trash, usually around$200 a month. Gas, I would say I would put$40. Internet,$50. Phone,$180. Not phone. Okay, so for utilities,$560. Okay, now what's your phone bill? $160. Chunky, you still owe on your phone? Yeah. You should just be buying your phones, man. It also just makes it harder to transfer if you ever want to. 0%, 0%. I know, but it makes it harder to transfer if you want to for a cheaper carrier. Gas, vroom, vroom, drive, drive on a monthly basis. $200? $200? $250. $250. Okay. Car insurance. $285.

1:27:32Necessary food, groceries,$300 a month. Follow the recipes in our budget-friendly cookbook if you need help. But meal prep, meal prep, meal prep. And yes, you can put in a little time to meal prep. You'll be fine. And buy your shit in bulk. We can get you$250 a month. I'm giving you an extra 50 for Red Bulls TP fun anything else you need poppers all that good stuff$100 a month medical bills how much do you need for co-pays whatever you do on a monthly basis you have those medications I mean I think my HSA contributions can cover that like I don't have a bunch of medical expense yeah after the Okay, that's fine.

1:28:13After everything, I would say$2 ,500 a year. Because we have health reimbursement that lowers the deductible. Okay, but you don't take it out of your checking account? No. Okay, from your HSA, which is getting funneled through your paycheck, and we're talking about your net income, so we don't have to worry about that. Okay, so$0. Subscriptions, I'll give you$25. You decide where that goes. Do you have any pets? No. Are you not alone? I am alone. You don't feel like lonely? I love it. I guess this is why you go to clubs every second of your life. Okay, so no pet insurance, no pet food. That's okay.

1:28:47Anything else that needs to be in your budget that I have not put in yet? Not that I can think. No, just so you can do your hobby. I'll do subscriptions to$75 a month. But no more buying new equipment. Understood. What? No more equipment. Yeah, for now. Well, I don't need any more. Well, trust me. Trust me, buddy. I'm in that world to a point. you always want the new thing.

1:29:20I mean, this is pretty simple. If you literally just budget, and I gave you a higher subscription fund than anyone, $5 ,657.15. Okay, so you don't have the cold turkey. I'm going to give you$250 in fund. So you choose where that goes. So let's say you need$5 ,907.15 to survive now. minus your$7 ,583.30 that comes in. You have an extra$1 ,676.15 left. That's minus the student loans. That's minus the mortgage. That's minus the 401k. And you have bad debt of$120 ,794.11. It's your Chase Slate card, American Express, American Airlines, or the American Airlines, American Airlines, Amex card, home equity, auto loan.

1:30:08Home equity you consider bad debt. It's 10%. Okay. Yeah, it's a bad interest. It's losing to the market. A car loan, is that bad debt as well? Yeah, because it's 7 % on an appreciating asset. And your mortgage is an asset that is going to go up in value traditionally. And student loans is a lower interest rate. So those I'm not freaking out about. But$120 ,794 in bad debt. Honestly, your 401k loan, I'm not putting it in there because it's automatically going from your gross income before your net hits. And we're just basing this off a net income. But that's also not great debt because it is risky debt to have if you ever lose your job.

1:30:40But of the$120 ,794.11 with your$1 ,676.15 left over, it takes 72 months to pay off. Which honestly, for how chunky that debt, six years isn't the worst. But what I would do, my guy, is you're obviously in a career field where your income can keep going up. What I would do, I gave you$250 for fun. I personally wouldn't do that. I would try to pay this off in four and a half years instead, which is probably where that would get you. as the income goes up, I wouldn't lifestyle inflate anything. I wouldn't be going on trips. I wouldn't be doing anything. I'd take all that money and pay this off. I think you can pay this off at about three and a half years.

1:31:16Hard budgeting, you know, 32 years old. That is okay. That is not the worst. And then you have a long life of a high income in a great situation. A great situation. You got to play some catch up in retirement. If you want to maintain your lifestyle that you have now by, you know, 59 and a half or 65. Sure. But you need to get a six month emergency fund. The fact that you're a homeowner without a six month emergency fund is scary. So you need to pay off this debt as soon as you can, which is going to be about a three and a half year. I'd get a one to two month emergency fund before that. Maybe two months because you have a mortgage and a lot of your stuff sounds commission based.

1:31:48So maybe a two month emergency fund. Then we start tackling the debt. Pay it off in about four years by funneling your raises to it. Pay off your smallest debt to your largest debt. Smallest balance to largest balance. It gets you to fuel there. Don't include the 401k. Don't include the student loans. Don't include the mortgage. Then build the fully funded emergency fund and I'd do after that, I'd do 50 % of your income on needs, 25 % on fun, 25 % on retirement. So you can catch up on your retirement. Okay. If that retirement ever becomes close to where it's actually caught up, you can convert that to 20 % and then do 30 % for fun.

1:32:20If you want more percentage wise to go to fun, you do not take it from your retirement. You take it from your needs. You cut down your life if you want to have more fun, but you never cut down retirement because you need to be able to retire. Who knows what social security is going to look like by the time of retirement. Guys, join us in the post show. And don't forget, Hammer Elite, which is the best YouTube membership in the history of this platform, is free for this month right now. All you have to do is join and then submit your proof of purchase at hammerelite.com. And we'll reimburse you with a gift card that can be spent anywhere in most countries.

1:32:49Hammer financial score, spending in a budget, you overspend, so 0 out of 10. Debt, at least you don't have collections, but you're late on everything. I'll give you a 1 out of 10 to be generous because there's no collections or IRS there. Retirement, the emergency fund, nothing, 0 out of 10. retirement plus the hsa i mean you're definitely behind on retirement for sure with where we want you to be and where you are yeah i'll give you a solid three out of ten real estate yeah no i mean the equity position sucks with the weird loans you've taken out you took it a 401k loan for it it's not great but at least you have a house it's gone up in value it's at a great interest rate it's at a payment you can afford that helps but i'm gonna negate some points for the weirdness that you have four out of ten that'll go up once you pay off those other debts pretty easily that'll boost your score.

1:33:35It's going to be a Hammer financial score of, rounds it up just barely to a 2 out of 10. Guys, join us for the first show. Get Hammer Elite for free. I'll see you guys there. Did you know he pays for a f***ing STD app? That is the most homophobic thing I've heard all month. At least you got tested. So what are you doing? Are we understalling? Are we going to the woods? I don't do any of that nasty s***. What else is there on there? Shut the f*** up and just f*** it. Elusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.