Clown Chooses Doordash Over Child Support | Financial Audit

0:28This is just real world. I teach children with autism disabilities. I'm a behavioral therapist, basically. Wow. Very cool. Good. Well, how much are you making in this position? Hopefully being reordered with a decent. Not enough. All right. Yep. That's, yep. How much? $18.50 right now. How many hours a week are you working? $40. Very cool. Now, I know that you're also in the content creation space and you do Twitch. Yeah. I stream. I do YouTube a little bit. But mainly Twitch. How many followers do you have on Twitch? on twitch we just hit 4 000 yeah really yeah are you part of the whatever they call it over their fund uh creator thing uh no i'm not i'm just just by myself uh only team i'm part about uh is neat dude pretty much that's the only team i'm on um yeah that's pretty much it okay how much do you bring in from twitch also on a monthly basis um about 100 bucks 150 ish how many hours a week are you putting into that i would say maybe let's see i stream like four hours mondays wednesdays fridays um each yeah yeah about four or five hours i don't stream super long i'm not putting a lot of time oh it sucks this twitch kind of sucks but this is like 100 bucks you think with 3 000 followers i like to see a bit more than 100 a month but yeah absolutely what's your average concurrent viewers um right now it's like 16 yeah oh well that would be why yeah this is so low um just probably not putting out enough content not uh streaming three hours a week yeah but not streaming as as consistent as i should there's a lot of skip days here and there yeah skip days here and there okay well you can't do that unfortunately on that platform and youtube on what do you make uh nothing nothing at all oh how many subscribers do you have 69 sick okay all right so about 3189 from the day job on a monthly basis some weeks are going to be longer or some months are going to be longer some months are going to be shorter that is what it is on average and then plus 100 bucks from twitch yeah yeah okay so what is your life what does your life look like financially i know there was just a lot going on but just give us give us a rundown um ruins uh everything that's going on right now is since i moved here to austin uh just i feel like i've had a lot of bad luck um since i was younger i've probably been i've been living basically paycheck to paycheck since i got out here um i think even when i first arrived i didn't have anything like saved up to really like pull myself in and right now it's it's definitely piling up on me heavily um well and just weird things like paying for an auto loan but not having a thing you're paying on an not alone for yeah the car situation itself uh really is probably the biggest downfall that i've that i've faced since being here uh how long have you been here about six months and in the last three months okay well that's really been absolutely absolute chaos wait but you've only been here six months and you think you're gonna be homeless next month yeah welcome to my situation welcome to my life right now why are you gonna be homeless next month so you've been here six months i think your situation would be not necessarily stable but just like that's that's a really quick get here and like everything goes let's i'll start with this so since i've gotten since i've been in austin because six months right two accidents already went ahead and run and this last one smashed the back of my car and didn't have i didn't have insurance you have to have insurance it's the law it's expensive it's the law i don't care it's the law and then now you got so okay so during the accident during the accident the guy was at fault he was driving his own truck like a company truck and so i get out and i'm like hey like you you know you're at fault he's like yeah i know i'm at fault um and i automatically told him i was like yo like i don't have insurance um just being honest and i should have immediately have called the cops and i didn't because i was afraid hey i don't have insurance i'm gonna go to jail um and so immediately i was like okay uh let me just tell him the truth and let him know what the situation and he was like okay cool i have insurance i'll find it under my insurance and you know we'll get it settled we'll get it we'll get you situated and figure it out um my car again smashed into the back but i was still able to drive it so i just drove it back to uh back to my house okay left it there but it's smashed in the back the tail lights don't work when was this uh this was in i believe uh october ish if i'm not mistaken a long time ago okay yeah no i haven't had my car for uh quite quite a quite some time um and millions of ubers so uh he gives me his contact information gives me his id i have pictures of his id gives me his contact information gives me his business contact information and everything like that so uh next day i'm waiting for him to contact me let me know what his insurance said no response so i'm like okay this is this is getting weird oh here we go um he contacts uh he texts me he texts me a little later on he's like hey like my insurance said that you're at fault and that's it they're just gonna fix my stuff nothing else and I'm like that doesn't make any sense like if you show them the pictures that we took if you show them everything like you're obviously at fault you even told me you're at fault you didn't tell them you're at fault did you record it?

5:45I didn't record it I just took the pictures I didn't call the police because I thought I would I thought that I would end up going to jail I have a bad experience with police so I just it was a bad call on my end you should always call the police well you should always have the insurance uh and you should oh yes you should always have insurance um my insurance was again just it was too expensive at the time and i didn't i was irresponsible about it yes yes it is a lot it is a lot but um um and so he basically said that oh you know what's a progressive thing i saw in your statements so i ended up having to get insurance again or else my call is going to be repossessed so yeah is that your monthly payment that i saw that that 400 and that's death do you own a business if so i've got something special for you that something special is today's sponsor net suite by oracle as a business owner myself i can't tell you how important it is to keep things organized and efficient there's nothing worse than having things that used to work no longer working or having employees wasting hours drowning in manual tasks.

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7:44Take action now and download NetSuite's highly recommended KPI checklist for free at netsuite.com forward slash hammer. Visit netsuite.com forward slash hammer to get your personalized KPI checklist or check the link in the description below. For the insurance. That's just the insurance. So now what? What's happening with your car? What's happening with your car? So I basically end up, he tells me that, yo, like he basically tries to ghost me with it. And so I'm like, no, like I'm going to find you. I'm going to figure out your information. I'm going to figure out your insurance and file it myself.

8:14So I go and I file a police report and they're telling me, I finally figured out his insurance. He has Geico. I call Geico and I'm saying, Hey, I filed my situation. They're like, Hey, he doesn't have Geico. So I'm like, okay, that doesn't make any sense. So I text him. I'm like, I know you don't have Geico. What insurance do you have? And he's like, Oh, I have a company insurance. And he slips up and tells me the company insurance. So I filed with the company insurance. They messaged me back, letting me know that he had a lapse in his insurance when he. Oh, me. So. Now, it's up to me to basically sue this guy, let them know, the court know that he was lying to me the entire way through.

8:49What are you going to sue him through? I don't know. I'm still figuring it out. Small claims? That's what I was thinking. Small claims? Well, you're kind of a lawyer. Yeah, I've been asking different lawyers. I have a couple of friends who know lawyers. So, they've been telling me, like, hey, go through small claims. You can get up to, like, I think$20 ,000 was the most that you can get. Oh, what car? What's your car? It's a BMW 328i. Then why are you going to be homeless? We haven't even looked at the statements, but why are you going to be homeless? You just moved here. Just because I don't have any money, man.

9:17I have nothing left right now. I am negative$200 and something dollars right now. Dude, why do you spend it on 25 % of your spending is going out to eat? That's not you having no money. I gotta eat. What do you mean? Gotta eat? Have you ever heard of a f***ing sandwich? It's a grand new creation just invented yesterday called ham in between two slices of f***ing bread for like five dollars from H-E-B hold on hold on it's not even a thousand dollars going right now right now where we are right now groceries are expensive yeah no what do you mean that's a broad term our groceries expensive right now I could get you a three hundred dollars a month two thousand five hundred calories a day with a diversified meal plan that we have proven and have written out that I can give to you I like that but also yeah have you heard yeah Hold on, hold on, hold on, hold on.

10:07Pause. Have you heard of nacho fries? You know what nacho fries are? Fries with nachos. No, no, no, no, no, no, no, no, no, no. Nacho fries from Taco Bell? I've had them once. They've kept me alive, man. That's like, it's almost like, I get food from DoorDash or anything like that. It's normally because like, yo, like this is something that I know I'm going to actually enjoy. I have a really, uh a really not the best idea with like cooking and stuff like that as well so i was just relying on doordash i can get this right now i can get this right now instead of trying to uber somewhere or order groceries i did end up ordering groceries at one point uh this last month or so i don't give a about anything you're just saying you just said i don't have money and i'm gonna be homeless so we spend a thousand dollars going out that's where i'm at right now but literally before i got here i did make the conscious choice to actually make to get doesn't matter whatever you're doing right that was what matters i definitely exactly right now the last thing i did was get groceries i had to do do it now because i couldn't even afford to literally go and get groceries that's the hard part oh i go to the grocery store and i buy i buy just ham and bread and cheese and i say and i come back and i just eat sandwiches every day that's what you that's what you're saying yeah you could you would do that uh yeah i've i sacrificed everything when i was getting out of debt for multiple years absolutely and we're different people so we're gonna do different things yeah we're different people one's responsible and one's saying they don't have money so they can't afford rent but it's a thousand dollars going out to eat that's not it's not happy yes it is it's$964.65 what do you mean you sent me your statement i know what the math is door dash is going out to eat in general it's going out to eat in general then miscellaneous bull doesn't matter in your life was 6.5 i think that eating the door dash and getting what you like versus just eating sandwiches every day when you can't when it just makes me feel better it's literally like at a time you have to think i'm going through this stuff i'm also going it's not about feelings if i went and shot up it would feel pretty good but i know it's bad nobody would do that right nobody would tell you to do that but ordering doordash and shooting up don't don't compare what is that like what kind of comparison is that i'm saying things that feel good doesn't make it the right choice when it comes down to buying doordash just because like you're like i i literally can't get out of bed to go to go do something right now i can't access groceries right now like i'm having a hard time i think if i'm not mistaken favor owned by heb like it has a delivery cost of 25 bucks which sucks but if you do a major two-week uh uh two-week grocery shopping trip plus like a ten dollar tip which isn't absolutely fantastic but just say you're doing that as an example that's still going to save you much more money in the long run than a thousand dollars a month if you do a grocery trip plus the delivery fee plus the tip for a month that's gonna say let's just say it's six hundred dollars that still saves you 33 of your you like you your excuse is want and joy and that's fantastic i want you to have it but there's a little thing called a roof over your head that i also would like you to have a little more and that's facts that's completely understandable i appreciate that thought i up until this point up until this point up until this point i had the roof over my head and now we're at this point so now we're at this point because also at the end of this month the where i'm playing where i'm staying right now is a room share right where i'm staying right now the the realtor wants to sell the house so now i have to find a different space and every space that i'm looking at right now is just out of my league in a way every space you're looking yes every space that i'm looking at right now is out of my league um i know now since i have all these extra bills i have you know the insurance i have uh my car no i have literally all this stuff you can afford a thousand bucks a month in rent shall we pull up where there is that's on your high end that's your max it's your max that's okay that's my okay even even then even then right now even then places that are like 800 bucks you know to live in a month aren't gonna be in the best places or trying to stay where my job is right now has like one dangerous place i am very on the ins and outs of austin okay there's a couple rough neighborhoods yes but in general austin has like the lowest crime rate of almost any major city okay welcome here congratulations you landed in a pretty good town okay but even still there's like one dangerous it's like east of the domain for like seven and a half minutes gotcha it's like a sketchy area it's not even just that south side it's not even just that i also am trying to stay close to my job since i don't have my car right now where's your uh yeah uh yeah well where we'll censor it we're cutting it out well that that is great so i'm currently seeing uh 105 places zoomed out 105 places with multiple units within those places each of a thousand hours or less okay so it's 105 places with multiple units within those 105 places and within the area you need to get uh let me zoom in here we are getting about uh 27 places with multiple units in each of those places gotcha that you can rent for a thousand dollars or less and a lot of these i know to be in quite decent and or some actually nice areas okay there's a couple that are not so this is the you're right the places i'll let you talk in a second sorry i know i know i'm i'm my apologies for interrupting go for it um this is the statement you said was correct for the places i'm looking i haven't been able to find it you're not looking at the places you can afford i'm not even looking at a thousand dollars as as my my cap because i didn't know that i didn't know i've never known how to like budget budget and stuff like that so i'm i'm actively trying to learn that right now that's about 30 well you're gonna go through our budgeting program because you're guests on the show so we're gonna send you that whether or not you take it is up to you but i'm taking it oh it's coming with you but i'm leaving here with something okay yeah no no and actually a lot more but we'll tell you that afterwards but um i think so i was looking at at 800 bucks that's what i thought that i could afford as far as rent goes that'd be much more comfortable by myself um because i i want to be able to save i it's really it's really can i give you a hint on saving yeah for sure spoiler alert thousand dollars on door dash doesn't save money on three thousand dollars a month it's pretty funny i know um again the door dash situation is i i love to eat i like to eat food that that yes it is a feeling are you looking at It's a feeling.

16:33Well, then you should be able to understand like, yo, like when it comes down to when you're when you're OK, say you're depressed. Yeah, because depression is something that I fight with constantly. Yeah, sure. Manic depression is something that I fight with constantly. And just looking for a bit of a bit of happiness, eating something that means a lot to me, that is really good to me. Kind of just I don't think any therapist would support that as a valid cope, though, as a valid cope. Sure. that you do but definitely definitely i'm not saying it's a cope but i'm saying something no it is a cope you are saying it's i mean i'm not i'm not relying on it i'm just saying it's something that i can choose to do that's not hurting anybody or or hurting yourself financially yes financially yes but i'm saying like i'm not only eating i mean i'm active i skateboard i literally go outside and i skate congratulations and then you spend a third of your income on doordash um but i also do things that that i try to like i'm always like yo like i'm gonna try and make it up by doing this by uh whether it's like doing small gigs on craigslist you wouldn't be going homeless if that was the case the reason i'm going homeless is because i'm not sure how to handle my money well that's the reason the door does you spend a thousand hours a month on door dash but you can't handle your money well if that was the case if that was the case that uh that the door dashing was the the major reason then i would already be homeless no what's your current rent situation my current rent situation is i'm paying 700 for a room that's why you're not homeless because you're drastically under the austin market gotcha okay well i thought that i was i thought i was handling it well by just you know door dashing here and there like 20 bucks yes that adds up of course but you also had a mispayment i didn't know it was you had a mispayment on your credit card which is the first thing on my statement if you have mispayment on your credit card you're not managing it well yeah and yes door dash can lead to that because you don't have any money yeah this is true you have a mispayment so here we go all right 20 payments into and we finally start the first payment so let's see mr capital one now you paid off a previous balance but then what you were doing is you purchased two hundred dollars and then you did have interest charge and then you had a late fee also charged why aren't you just paying it it's not like this is like an incredible high amount by any means two hundred dollars versus the thousand hours on doordash i uh i don't have excuse i don't um i don't need you to have an excuse for just like a reason there's literally just like moments where i just don't have the money or i i move the money over and i have it ready for it to like at least play the minimum balance and then i don't have it yeah you're managing it well right sometimes i just don't have enough money so i don't pay my bills i make poor choices financially yes yes i do um but again i i definitely try to i definitely try to make up for it by literally trying to bring in money by doing different things like i said um um yeah but that never works for anyone because if people don't learn their money management skills then they go make a hundred thousand dollars a year from 30 they just inflate themselves beyond that extra income that they start bringing in that's what everyone does you're just going and making the money is not your primary issue it's how you're managing the money that you have is your critical issue i constantly feel like i don't have money though that's the thing about it because you're not managing it that's how it works feeling is a feeling well math is math and the math is you're not knowing how to do the math and that's okay i'll teach you but it's not a feeling 29 28 cent minimum monthly payment oh here we go door dash door dash door dash door dash natural fries hello bro water burger whoa whoa whoa whoa dude natural fries there's two things on here the rest were just not and then you stop and you get like you don't have a car so i know this is a gas getting some like what we call taquitos here which is bull necessary it's a fire i'm literally you okay you know that i'm feeling things right so i'm getting things yeah you're feeling the fire come out of your after eating taco bell hold on hold on i'm i'm i'm healthy i'm healthy you know i'm saying i i eat you know and i poop just fine don't talk about my like that it's not cool i know you're just the stopping uh eight dollars and 82 cents at a store just like the shop okay so okay so that is a store that's next to my job so i will get i will get water water the water situation is just because i just i prefer bottled water because i can literally i get a big bottle of water and i take it home pack of like a million of them from hb the cheapest option which is what i personally get when i need water bottle water like the guests like i love the guests but i don't need expensive bottle water out there so i get the stupid big crate for like ten dollars yeah it's incredible yeah instead of going and dropping almost ten dollars every time you want to get a couple sips yeah definitely i mean it's not a couple sips like i said i take it home and i drink it like i literally drink these things every day like i literally every day yeah that's inexpensive you could get 10 times the amount you're getting for the same price though this is true and doordash was twice or of doordash was a million times uh your little special little cheese fries were twice yeah it's fucking cheese whiz dipping a fry whoa whoa whoa i've had it i'm trying to simplify okay but did you enjoy them did you enjoy a nacho no no no no no no did you enjoy the nacho fries sure i enjoyed them but i also enjoy living in a place nacho fries that exists that protects me from rain and i am right now where I'm headed.

22:07We don't know just yet. And that's what you're here for. I feel like you're about to save me for that, right? You can try and if you know how to listen for a single second of your life. I'm hearing you. I'm listening. Go on, go on, go on. You're hearing me, but are you like listening to me? I think I am. Complicated airflow is making its way over there. Whether or not it's being processed is beyond me. Yo, that's wild. You call me dumb? Is that what that is? You're acting a little dumb. Is that a... You're acting a little dumb. Your choices are dumb and you're defending them. You're defending dumb choices, which equals being dumb.

22:38I feel like I'm argumentative in certain areas just because they mean things to me. The doordest is not something that should happen. You're absolutely correct about that. We're just hell to die on. And I'm trying to explain to you, yo, like, this is just a hard part of my life that I'm just like, yo, like, when it comes down to food, I'm like, okay, I'm gonna eat. I'm gonna eat at least. I'd rather eat than not eat. are you and that's that's where i just talked about the complicated airflow not being computed because i told you how to eat yes you said groceries no no no you said groceries and that's that's totally fine i understand it yes buying groceries like i said at one point i did buy groceries i spent that money on groceries and i ate that food uh like around the time when the freeze happened i bought groceries i bought groceries uh when it was supposed to freeze yeah yeah yeah i was i was this is uh little 30 degree thing yeah everybody was like panicking talking about that it was going to be like you know super hardcore so i bought groceries before that because i knew i wouldn't be able to um and i ate off that for a hot minute and i was like okay cool um but it came down to again i ate it all so i was like okay i need to go again versus needs you're prioritizing your wants yeah uh yeah and you're accepting that not willing to change that not willing to grow up i wasn't willing to change that i wouldn't be here like acting 10 years younger if i wasn't willing to change i wouldn't be here okay then why are you not why are you you're you're arguing about every single second or doordash there's no point there's no point i'm not trying to argue with you it's not an argument per se i'm just trying to how do i say voice my voice my thoughts process so you can understand like yo like this is why i'm door dashing it's not it's not it's not a oh why but it's not a justification but i want to yeah no it's not it's not a justification i'm not saying that i i want to and i'm going to continue to are you going to continue to how about just answer that no absolutely not no can i cuss here yeah oh i said like a thousand my bad that's okay well good because i mean that's everything i mean that's not that is not everything but that is a big part of your thing what scares me is we go to this chime credit builder statement and it's just these cash advance a damn withdrawals um cash advance is i owe them money right now um because i took out money when i was younger and um chime uh they're basically wait how long ago uh this is years ago but it's it's something that i've been having they keep it's basically a bill collection so cash advance is uh like a loan thing i know it yeah and i didn't pay a lot of money back and um because i was like yo like now you're willing to change so i'm not gonna dig into the door dash anymore because you're willing to change but i just want to look back in terms of decision process and i'll freak out on you about it but if we owed them 496 don't you think at least one month in your past literally one month out of the many years you've been dealing with this you could cut back for one month and just take care of this once and for all instead of kicking the can down the road which is all you've been doing yeah um i they had they would contact me for a while and then they wouldn't contact me so i didn't realize how much i actually owed them um i thought i had like paid off enough of it because they would just stop like charging me it was like their uh it was like the how do you say the loan was getting passed around to people for them to come and find me and i didn't know how much of it yeah that it was you owe them 496 496 you can change this thing that's been haunting you for years 496 you you don't make an incredible amount of money for the city you live in but 496 compared to your money man this should be something that any responsible adult who realizes it's an issue to be able to just kill 496 all at one time um it's hard it's hard to grasp when you're trying to literally like pay off other things so like i like i said when i when i'm paying it's like for it's where you're spending wind you know when 496 when do i pay it when you don't spend or do i say in the in the beginning but this is my thought process without even realizing how much money i'm already spending i'm already wondering where my money is and trying to figure out where to where to spend it or where to pay things off i have no no no numbers background i have no math background when it comes down to it like i don't know how I'm budgeting.

26:59I just learned like an insy-bincy part of what like budgeting even is. Yeah. So I'm trying. No, I get you. We'll get you there. But today's the wake-up call. I wish that financial literacy was taught in like so much, man. Like people actually need this. I wouldn't be in this situation that I'm in right now. A lot of people wouldn't be in the situation that they're in right now. They wouldn't be suffering as bad if they had a little bit of financial literacy. Like absolutely. It's ridiculous. Yeah, but let me learn about all the shit I've ever used once in my life instead. $359.26 in collections.

27:36What's that for? Why have we not paid? Again, this is such a... It's not an insignificant amount of money to you, but for where you are and what you make, this is something that a responsible adult could buckle down and take care of. But something went to collections and it's just sitting there. What was it for? I don't even know. You don't even know what it's for? I don't even know. I Pull up your credit card man You have credit card man? Pull up your credit card man Let's see I know your car's on there as well At least my credit score ain't that bad I don't think What is it? Like It's almost 600 Oh f*** That's not That's not really bad right?

28:11It was like 599 I'm getting there I'm trying to figure it out Sir What's your credit score? It's close to 800 now Hey you'll take a loan out for me?

28:25That's a really cool shirt thank you link in the description below didn't even tell him to say that credit card usage is 104 104 you're only supposed to use something like 60 right or something like that zero would be preferred credit card usage no no no you just never hold the balance yes it'll be randomly reported in a moment of you okay you have a certain percentage but in general what i'd want to see is closer to zero three accounts let's see we already went over so the only one must be a card uh whatever the stride bank is is like zero dollars i don't know what is that stride oh that's a when i worked for uber they uh they gave me a a stride account it's there's nothing there okay the car that is non-existent because it's ruined 4474 at what interest rate uh damn that's a tough one uh it was it was a low one i got it with my dad at the time yeah but what's low uh point three or eight or like point eight or something like that no it's not yeah no it's not i'm pretty sure that it's it was something super it's something that i could never do we have it by chance uh his car yeah because that i i would doubt what's your minimum monthly payment um three uh what is it like i think it's 340 if i'm not mistaken yeah i'm gonna let them take a look and try to find well actually i might be able to see it uh he and his dad he and my dad hey dad yeah you didn't send us the statement so okay we can't do things without statements and trust me that gets real weird in here got you we'll get there i don't believe you on the interest rate i can text him real quick and ask him he'll respond really fast will he know yeah i mean it's under his stuff so honestly maybe he just had really good he had really good uh really good credit i know but then you would affect it because it's on your credit as well but it was in like the best interest time so it's possible okay 252 dollars in our chime checking account yeah and this is where the not having a car thing uber twitch you're supposed to be making money off of twitch should go on spending money on twitch support the homies support having a group over your head support the homies support they do that's the thing about it that's another reason like i mean they they get a hundred dollars um but it's there's so many people that there's other things like people are like uh subscribe to me on like ko-fi and stuff like that like they support me in that way you didn't tell me that for your income how much do you make off that um it's probably like 30 bucks um great i didn't know that that mattered my bad but um it basically doesn't yeah vigilante gaming group 13 dollars 13 dollars vigilante gaming group uh oh um so for uh my friends took me to a game bar here in austin your friends took you and then you spent money uh and i i split food with them yeah i was like you know you just pay for soundcloud you pay that was an accident that was an accident um i was i was using them i was using the the free they give you like a free you know like month or whatever and then it's and then it charges you and i forgot to take it off because i was practicing djing i'm trying to run on a dj i did after that well i can't charge it back 40 bucks door dashing and then there's an uber trip and there's your little water there's your water there's your uber trip d2 management 56 dollars okay so that's me paying off the uh the loan thing so they got in contact with me and i just started oh no so sorry the jetty thing um what are you talking about so jetty is from my last apartment um it's like an insurance yeah i'm i'm what how much you owe let's see and who's it to it's the last department's insurance yeah it's like a Jetty is like an insurance policy thing that they hold for your housing or something.

32:37I don't know. I just... How much do you owe? $400 and... And that's the minimum of the payment? Yeah, the minimum is the$50 that they're charging me, yeah. Damn, I'm getting hooked. But you see, like, all these bills that are just coming from which in which direction, and I don't know how to handle it. I'm just like, hey, I'm a caveman. You know what I'm saying? Get it? What is that? They're caveman feet. Shoes? Yeah. They're shoes. They're cool. You're an interesting one. You know what a Dewey is? A Doody? Dewey. No. A Durag? You bought a Durag? Yeah. No, I've never bought a Durag. Amazon. You passed the test.

33:18Go ahead. Okay. Sending out$40. Apple Cash. Another Uber trip. Roblox premium? What are you,$5? Whoa, whoa, whoa, whoa, whoa, whoa, whoa. Whoa, whoa, whoa. The Roblox thing again? the roblox thing was an accident i didn't even realize i was paying for roblox uh i bought it for my little cousin um so he could use that account because uh i was like okay cool like i can use it for my little cousin and then i use it for the kids that i teach as well i need you to track the monthly basis man i didn't know they was i know you just this is like how many times now it's like oh i didn't mean to do that it wasn't supposed to happen like we can't just keep doing that over and over again you need to track down monthly basis sit down do your budget take the budgeting program get yourself actually figured out like the thousands of people have taking it okay steam purchase snack time we're back uber trip water uber trip uber trip tacos water uber some google bill the steam uber uber discord uber nicho's clutch everything's great and there's nothing wrong with any of the purchases we're doing Amazon, Apple subscription, Microsoft subscription, DoorDash.

34:29$128 of DoorDash. What the f*** did you possibly get? Oh. Did you possibly get? That was the heater thing, I'm pretty sure. No, no, no. That was groceries. That was groceries. That was groceries. That was groceries. You need to check out probably a better delivery service. That was groceries. That was groceries. That's awesome. Dropbacks, Fiverr. We're paying people. yeah doordash uber uber there's your d2 management paid it six dollars a month or 56 twice a month it should be a month okay wait it might be every two weeks damn i didn't think about that it is every two weeks huh they don't think about much i'm thinking though i have deep thoughts apple money out snack spending more money at twitch bitch but i'm gonna keep going cash out about 380 dollars so that's your rent you do that twice a month though right no no no uh for rent i take it all like literally like the day before like a couple days before i take it all out water water water neat dude neat dude so neat dude actually uh i like your energy i just wish you were better with your money uber trip they sent me a cool rug so that's what the neat dude is the neat dude i got that money back that's not that's nothing Uber trip, Uber trip I can get you a rug I have rugs Amazon, Uber trip Toll House cookies $70?

36:04Toll House cookies It's Toll House, I don't know It's Toll House Toll House what? Tell me you spent$70 there $70 is a lot of money to you So you better know what it is I think that might be Ross Kill me now I think that's Ross actually Ross, I see Ross later in these statements Pizzeria Shakespeare's Pub Fantastic The most ridiculous statement I've ever seen in my life You think anyone can read this? Why did it come out like that? You should know how it looks You sent it to us Yeah, but it's supposed to be in white If we request a statement If we request a statement I mean, send a statement, not screenshots I thought I was being creative, dude That's so silly of you What the hell was I thinking?

36:44Super silly $280, ATM cash draw now what you do is you pull from your savings you're pulling from your savings that money in your account and you don't even have any savings i really don't have any i know so you put a little aside and then you've so chime automatically makes the savings for you basically but the way my check is split up is uber trip i know how it works uber trip amazon uber trip what are you doing what are you doing why are you at this table because i want to get out of this situation do you i do i do you're gonna have to prove it and show me door dash will there's your ross twitch uh how much am i going to a bar two bucks so in reality um the raw situation i didn't just spend two dollars at ross um i spent like maybe 70 bucks at ross that day um Okay.

37:47I really like clothes a lot. You like a lot of things. I do. I do. It's part of my personality. Personality. I like to dress nice. I like to look good. Can I introduce into your personality this little thing called responsibility? Yes, you can. Thank you so much. I appreciate it. Heard about it. I'm getting into it. But I'm going to responsibly try and look good, too. You're wearing something from the Matrix. Sick, right? You don't like the Matrix? It better keep you warm under the bridge you're going to live under. Ooh, that was a good one. DoorDash, UberTrip, Water, UberTrip, Grackle Games, UberTrip, DoorDash, UberTrip, Water, UberTrip, UberTrip, UberTrip, UberTrip, Water, UberTrip.

38:34It's$54. Okay, so$54 is because we pay for a storage in Houston where the rest of my stuff is at. Oh, my gosh. UberTrip, DoorDash, UberTrip, UberTrip. some uh oh pavement you went to yeah that was my first time going to a thrift store here it was fire by the way and i got some pretty cool pickups so yeah you let your money on fire it's awesome 496 out for insurance twitch you spend a lot of money on twitch i can't i can't like i can't really express to you what it is to buy clothes because i don't think you have like a like your style is like i just wear clothes because they're a necessity yes you know that's that's that don't that don't make sense to me at all like well i need to start i would love for you not to be on the streets naked but you know what i'm saying style is a part of personality too i'd be cute right i'd be fine that is a wild statement to me i'd be cute naked yeah like you can put me out there it'd be great i'd be cute naked that's what you want to run with i'll go with it i'm bold i stick with my statements i have no fear say you'd be on the street looking sexy and you hit the flex but i'm just saying so like clothes wise person clothes is a part of my personality so i'm investing in clothes is like investing in myself that's really cool i just don't want homelessness to be a part of your personality it won't whoa that's what you're here for you're you're jovial you're happy you're a silly little love and that's awesome i'm so happy for you congratulations i'm sure you'd be pleasant to be around other than calling attention with your outfit to us even though i'd rather be discreet in public that's fine but i'm sure you're a fantastic person brown give a i do i do you are not indicating that in any way whatsoever I just try to add a little bit of positivity to this man because I know I know you're upset with me This is real world.

40:19This isn't trying to sprinkle little rainbows. This is just the real world Maybe if you accepted the real world at any point in your life, you wouldn't be in the situation But if I did if I did as hard as you want me to I wouldn't be here What do you mean? You don't understand bro like this is heavy. This is hard for me. I'm living this This is hard for everyone. This is hard for everyone I'm telling you right now, bro, like. Do you see a therapist? No, I don't. I can't afford. Where can I afford to do that? You make no money. You make. Where can I afford to do that? You make a little money. You would qualify under the Affordable Care Act to take insurance that is a very.

40:54It would be basically zero dollars on a monthly basis. Your copays, they would be. They would be. But guess what? With where your money is going, you can afford it. And I think that would do better for your future. And actually, whatever. I don't care what you think. Like, I actually do care about your future. That would go so much further for your longevity and happiness in life and actually recovering through bad things that you may have gone through. I don't know. You haven't told me. And it doesn't matter. But that would actually go a longer way to giving you a better life than just spending it on crap, man.

41:27If that went to co-pays for therapy, life changing. I didn't even know. I had never even known that was like an option. Like, no one's ever sat down. I left my house at 18 years old. paycheck to paycheck thing like this this thing has been with me since i was young like i don't know anything i don't know money management at all so like me i'm trying i'm trying so hard and i know it doesn't look like it per se but like i'm literally trying so hard to like figure out how to manage my money better like i said i wouldn't be here if i didn't care but okay this like if i really sat down and i wasn't i wasn't myself i wasn't i wasn't trying to add a smile to my i'm when you say i'm not coping i am coping my jokes me making me like yeah but you're saying like you think you think i'm i'm i'm laughing because like oh like haha this is a joke like this isn't funny if i didn't laugh i'd i'd be sitting here bawling bro like i know that my situation i know that it's improve it in your actions man and i will say just a limited part of it this conversation is just a limited part of it i like to call the awakening of the insanity that everyone goes through before they come on this show.

42:40I need to call their shit out. And now what you do and your actions prove to us that you actually fix it. And I will eat my shit out, man. I'll eat my words. Okay, and I promise you, I will. I'll change. All this stuff is going to change. I put that on everything. I put that on my son. This all will change. You have a kid. I have an 8-year-old. Okay. Do they live with you? you gonna leave me hanging um no they don't so my son is actually in in uh in my home my hometown so he stays with his mom and uh sure and i give you know i basically try and give as much money as i can to help out because he has you know he has other uh money coming in from like the government and stuff like that as well uh he has special needs my son has uh as uh he has down syndrome um and uh they the government helps out a little bit here and there with that do you have child support dues no i don't i don't okay no um i just give like as much as you can yeah as much as i can basically not as much as you can but as much um yeah and and just go about it that way but um i'm lucky enough that like they like don't need a lot of money it's just me being there so like again i i was taking when i lost my car i was taking trips and stuff there like taking the bus there as much as i can so that's more money i have to shovel out like why are you here why are you in austin um i came to austin because originally i wanted to do more content like i uh i actually got my job here teaching and then i wanted to do content here i wanted to try and apply for like somewhere where i could do like more content and just i have a couple of cool really cool friends here that do content as well and i wanted to be closer to them to do content as well and uh just how's it going it hasn't uh it hasn't panned out that way are you considering moving back um no i'm not um i'm good with you coming out and making the dream possible but before anyone does that i want them to get out of the bad interest debt and i want them to have a fully funded six-month emergency fund at a minimum that's when you take the risk it was right now we jump ship we jump ship um it was we jump ship like randomly and we thought we had things situated with like uh an apartment here and stuff but things just kind of fell through so um when i got here i i didn't even have a place when i got here i had already i've been i've been living with a friend that i met online yeah and i stayed with them for about three months and then gradually i got my own room i got to the point where i got my own room okay um well i know you talked about it and you said you wouldn't be here without it but i just want to be clear and i'll just say it one more time that stuff is fine that stuff is exciting i want you to have all of that i want you to have all that you get more of that man you get more of that if you just sorry i was getting worked up already i get worked up easily can you tell yeah you get you get pretty steam pretty quickly i'm just you're just talking about therapy for me do you go to therapy yeah therapy's great that's what i'm talking about therapy's fantastic helps my anxiety and it's made me a lot better person over the years um no i haven't passed it sucks but work and grow beyond it and you won't be judged for this situation right now a year from now if you actually take the actions and steps to make your life better um but that's all great and you can have all of this and so much more if you sacrifice temporarily temporarily because your debt's not extreme if you sacrifice temporarily to get out of bad debt have a fully funded emergency fund start contributing to retirement in a way that gets you set up for life if you do that man all of a sudden the percentage of your income that you can actually start putting towards the things you want become so much more substantial you get to have so much more if you sacrifice now and it's so worth it and i'm willing i'm willing to do that i'm willing to do that except for nacho fries but i'm for the most part i'm i'm that's a joke please please no but real we'll talk yeah that's a joke i was about to die microsoft some you must have went to san francisco recently now there's a payment something out of san francisco i can't tell what it is because again not a statement okay so what if i okay all right so let's okay nacho fries okay oh my gosh just hear me out so nacho fries has a really deep lore in taco bell that's that's what if i want to be you know i'm saying i just contribute myself to taco bell nacho fries just like once work for them i am i'm trying to be like in a nacho fries commercial no not so fast i'd be like nacho guys go be like a manager you make more than you're making now really yeah dude people start off what's up with education not being paid as much in this well go ahead go on you have a degree in what you're doing no i have a certification yeah yeah i feel like working education is it should be getting paid like way way more than i than i see well i mean it is what it is we can all say i wish i wish i wish but you could go make more money somewhere else if you're a hard worker i know you could all right i'll give you that i mean people start for like 15 bucks an hour doing a cashier job at um bell in austin austin i have tried applying to get like a second job like i didn't mind like yeah you know just trying to get a second job and just nothing nothing hits it's hard to actually get a job here like my i don't know if it's my resume um literally like even just bartending or i applied for uh i applied for bartending requires a lot of skill i will probably for walgreens like cashier stuff like that and nothing nothing hits like mickey d's any of the service based i haven't done any service ones yet try service that's in high demand in austin still like austin can't speak for everyone everywhere else but austin has never caught up to where we were pre-pandemic in terms of service-based jobs they are still like i swear you just walk into any restaurant that serves food and it's like a neon sign that's just like please work for us please i might go work at taco bell then uh yeah san francisco things i don't whatever okay amazon and some doordash and some classic 19 in capital one water uber trip apple cash is very repetitive amazon doordash production walgreens uh i think that's the apple yeah apple cash signed out steam purchased water amazon doordash Jesus.

49:03$30 burritos. This, again, is why we request statements. Please listen to instructions. Let that be an example for you in your future. I can't see what any of this is because you did not send a statement, and this is impossible because this, if we had the spreadsheet, we'd move this line over so that we could actually see what it is. They're just debit card purchases, and I don't know. I think that's from Cash App, so I don't think it does tell. That's not your Cash App. This is February Capital One. every capital one oh and then this is cash app which is mostly just ranting some sending out monies and getting monies and stuff like that chime the savings five dollars why is it five dollars because whatever money goes in immediately goes up okay anything else you have anything else or is that it um no i think that's i think that's it that's the hard part you see like i don't even know how much money is actually going out like oh i'll tell you right now fun for no interesting how that works 37.7 percent of your spending 1 505.72 cents goes out to transportation mostly uber oh wait wait wait wait how much 1 505.72 cents 0.2 percent goes to necessary food that's known as going to a grocery store and getting groceries food going out to eat 964.65 mostly from food delivery unknown shopping that's usually amazon walmart target because you never really know what's happening that is 8.3 percent of your spending or 329 dollars and 94 cents putting money into savings mind you this is money that went to savings and was immediately taken out so it doesn't even really count 5.7 percent or 227 dollars 52 cents subscription 76.69 cents or 1.9 percent yep um miscellaneous bull is going and getting your uh water which you could be getting so much cheaper so much cheaper you can brood a filter and get a water bottle i know you don't want it i don't care if it's wants 6.5 percent of your spending are 258 dollars and 13 cents large purchases 580 dollars and one cent or 14.5 percent those large purchases are like the management thing okay um some transferring money out cash app out atm with draws and apple cash out Then your phone was 1%.

51:16Shout out to my mom. Damn. Can I see that? Damn. That's an understatement. Because your spending was... Almost$1 ,500 in transportation is bonkers. From the place that you work, you had$3 ,349 come in. You following along? I'm listening. three thousand three hundred forty nine dollars came in he spent three thousand six hundred nine dollars he spent more money and came in which is not a shock based on what we've seen yeah so yeah i don't think you managed your money well well thank you for for for pointing this out like again i've never had the opportunity to just like see it all in front of me that's what i do well that's why i'm here so like i'm here for you man it's tough love it hurts but fun fact actually because most everyone's from the...

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52:42audience you're not um but you're a fellow creator uh so we want to work with you but either way on average within once people leave this desk uh on average and within seven months people have paid off eight and a half thousand dollars of debt that is amazing yeah that is everyone that came on that people were like well what were they doing before maybe they would have paid off the same amount of debt well everyone that's come on this show before was literally just building up that there is not a single person that's made progress before the show so i don't know weird thing to say but guys it's a new year and you need to make your money work for you you can do exactly what i literally do right now and put my money in the best high yield savings account so far i get a 4.6 percent yield on my money and i also took advantage of the bonus of up to 250 when i signed up you can start 2024 off amazing by doing the same by going to the link in the description below so that's exciting so there is hope we just have to put action behind it let's get your budget total income we'll do the 3 349 that came in last month wonderful plus 100 from twitch yeah is that pretty much guaranteed okay yeah shout out the community your rent on a monthly basis right now is 700 but it's i don't know what it's gonna be i'm gonna put it at a thousand you're likely gonna have to do a thousand okay internet uh i'm gonna put that at like every 700 is everything like okay well at this new place i don't know if it's gonna be baked or not yeah i'm gonna budget you're gonna get you're gonna hate this as someone that needs to stream i'm gonna put it at like 35 bucks what that is like spectrum yeah okay so what if okay so i'm i'm trying to take 200 down i'm trying to take streaming seriously and grow as a streamer which we go in and we do when we have a fully funded emergency fund and no bad doubt we take care of adult responsibilities first content creation to me is something that i want to be a part of my adult life yes there's a lot of wants you have that's awesome you got me yeah all right nah i i can't like i i have to i have to have better internet i'm not giving you 50 down 50 up man okay that's because that's what i'm that's what i'm i said it's sunny like i'm not like inhuman okay all right okay okay okay i thought you was 35 like i'm about to be 35 but you're not getting but you're not getting fiber gig fiber no no i don't i don't even have that now okay cuckoo oh i was scared i was like damn nah bro don't don't cut my streaming rest of utilities i'm doing 150 okay my disinsurance i'm doing 15 get it you need it phone you don't take care of okay all right right yeah yeah well so i pay 40 i pay i pay like 40 bucks for my for my phone it's in the 380 that's that's being dipped out to via cash out so i send it along with my car note 40 but you could do something like helium for like 20 dollars a month um i'm pretty sure my my your phone's finances yeah like they're like paying or actually i think my mom's probably like adding like she's like paying half of it or something with me as well okay it's just being nice let me get you a minimum of the debt payments

56:11175 dollars 66 cents might sound like a lot of money it's like the least we've had on this show you are in such a good position you have no idea the income could do better and i know you could do better because you're not making much for the area so i know you could do better um that's not as long as we build out your resume and make it good bonkers that makes the car insurance is wild 496 070 cents they hate me well or you're just not responsible and you didn't have insurance and then you got in a car crash one or the other which one is it we'll never know um i have been in a car crash but i wasn't at fault um yeah but that's that's the raises according to you no no i believe I believe you, but according to who?

56:51When I did have insurance, the reason that it goes up... They always want the other person to be at fault immediately. They'll push for it and then they'll negotiate and then it gets... It does. But I ended up getting paid out for that and everything. Give me the multi-debt payment's wrong. Because the zero I wrote after your car payment did not make it down on my paper. Damn. That makes much more sense. yep now your debt's not great 475 dollars and 65 cents is your minimum monthly debt payment that mug is hard too yeah nice nice look at the description below 300 for groceries 100 this is called toilet paper fund the tp fund what it is is everything else you need to survive this is just the any essentials basically yes absolutely gotcha yeah uh well i'm going medical i would love you to go to therapy that'd be awesome that would be great check out the exchanges i don't know when open enrollment is okay you're 40 hours a week though so you're offered insurance yeah um i just don't have i haven't gotten a chance to go and access anything i don't know like what do you mean i've never used like just take the time and ask for my job like that i have i literally asked so like even for like my eye care like these glasses are not the best glasses like i i'm not doing well with my glass i don't know what to put for therapy yet we'll figure it out and you'll put that in when she's taking the budgeting program and you have that thing figure it out i'll give you the discord but that's the only subscription you actually need right because you need that for your twitch yeah yeah i mean i can i can i'm pretty sure i can cut it i can cut okay zero dollars for subscriptions okay almost allowed that i'm gonna soft i'm getting weak no more netflix There's nothing on there.

58:41Shout out whoever's paying for my Netflix right now. Anything else you need on an ongoing monthly basis? Obviously not gas right now. We need to... Well, we have to budget. Okay, how much did you spend on Ubering? A lot. I would want this small claims dispute to be settled or decided soon. I can... they'll offer me to pay like a smaller amount sometimes like well i know she's spending 700 hours a month on uber and that's insanity like we need to send your thing to the junkyard get another or or hear me out hear me out let's sue this guy that's that's that's my plan i don't know any of the legalities around this so i can't feel optimistic or not around it i'm indifferent talk to someone who knows what they're talking about when it comes to that anybody know a lawyer holla at me not for oh i thought you're asking me okay so i have to put i can't i have to put 700 a month for uber right now like i would rather you get like a 300 car payment but i still hate that that's not good either you'd be getting a long term that sucks um i might be coming up on a vehicle then your gas goes up what does that mean um somebody offered me a vehicle they just said i have to fix a certain part with it like it still goes they just it just needs like a it needs a repair so i don't know how much the repair is going to be i got to take it to see how much the repair would be so i might get my car get a vehicle back in the next month so i because looking at this is bananas like that makes no sense with that 700 hours you basically break it even on a monthly basis what you need to survive is$3 ,312.35 with your new rent.

1:00:32And this is your minimum. So this isn't going out and getting that. This isn't getting DoorDash. It's$300 a month in groceries, $100 in essentials. So that's you breaking even. Which is the basics? Yeah. With everything I just listed out with the budget we just built. You're going to build a more concrete. This is like a idea of a budget. You're going to build a lot of concrete budget through the program. This is the starter kit, basically. Yeah, essentially. Okay. I would love you to get more. And what's your certification? um i'm an everyt registered behavior technician okay that's good is that what you want to be in is there any other interests you have other than social media i know uh i want to be a dj okay into my serious stuff cool djing is serious all right fantastic so um what i'd be happy to do is i'm happy to do for every guest if you can find something this is a tech city if there's something in tech you'd want i'd gift you a certification through course careers i partner with them they're really good they're great for tech certifications and i'm happy to gift you one so look into that but right now you essentially it's always easier said than done but whether it's just working more hours the hours you dedicate towards streaming i don't want you to give up but you might have to give that up and go work at mcdonald's for now because if you just one second if you bring in an extra 500 hours a month literally just an extra 500 hours a month which i know for a fact you can do in this town man you pay off that apartment in one month the The Capital One's paid off in one month.

1:01:54The Chime's paid off in one month. Like, collections is paid off. So all of that crap except for the car is all paid off within two and a half months total. Two and a half months total, man. All the shit you've been kicking down the can down the road for years and years. It's literally taking two and a half months. If you sacrifice for two and a half months, go work a little extra shit job that no one wants to do. Let's be real. But you'd be willing to do it because you're sacrificing. then the car man you can take care of that in eight months eight months you're out of debt in less than a year you're out of debt in less than a year and that's with you ubering every single day imagine what it is less by having a car payment and then you try to pay that off as quick as possible maybe you're out of debt in a year and a half it's so great then you can start investing because you have zero dollars invested in 29 which makes me scary you start maxing on tax advantage accounts then you can start buying index funds or whatever that's not investing advice but you start you can buy what you can invest and there's great platforms i use muumuu personally they're really good but then you can also open tax advantage accounts on other platforms as well um so there's a lot of exciting things and i'm excited to have that conversation with you at that time it is not that time but you need to get there and what's so scary and what we haven't even talked about and we don't have time to talk about it unfortunately is that i'm terrified for your future and the fact that you'll never be able to retire and what happens if something happens you can't rely on disability it's not enough to live in a town like this so if you get hurt or something happens what are you gonna do you're never gonna be retired you're gonna be working in your 90s to be able to afford rent because you never saved up enough money to put a down payment on a house you're just scraping by on a monthly basis because you're not doing the responsible things you need to do now which is about 20 going to your retirement but you can't do that till all your bad debt is gone and you can't and you can't start investing until you have a six month emergency fund so this is probably a at your current state a two-year process getting rid of this that if you go make an extra 500 a month and we're able to get the ubering down by getting a car payment then you have to pay off that car so we include that in this process trust me i know this is going quick we're going to walk you through this more than just this video no no but if you do all that in the six month emergency fund i'm thinking like two years two years you're 31 you still have your second best decade of growth for compound growth investing letting it grow on itself you still have the second best decade of your life to do it you could definitely retire with like a million bucks man i know you could do that which sounds crazy sounds crazy and is that enough to survive by the time we retire probably not social security might not exist who the knows but we can get you to a point where you have a chance of survival whereas right now you have zero zero chance of survival and that scares me because you're a human being that deserves to live a decent life but you have to sacrifice for it i took a the reason i'm not getting paid i could be getting paid roughly 25 26 an hour i took a pay cut because the clinic that i'm working at is a smaller clinic it's a mom and pop clinic clinic and i took that pay cut because i told myself that i would work hard doing content creation to make up for that i didn't realize how bad of a situation i arrived here any okay so i'd say we go make that more money now and then you have the choice to give back like you are now once we have a fully funded emergency fund and we're out of debt right okay you can do that just not when you're dying to do that when you're suffering to do that you give back when you can at minimum take care of your basic necessities so i love the heart of it but you you do matter any final thoughts well actually before you do that let's get your hammer financial score so our financial score this is what we rank people based on five different categories spending in a budget all the doordash and everything it was absolutely ridiculous it's going to be a two out of ten because at least there was things being rounded up going to savings but then you took it out so actually never mind that's gonna be a one out of ten damn no that's really bad your debt it's not even close to the worst but there is collections which does unfortunately according to the rules make it an automatic zero out of ten if you didn't have collections you'd be closer to about a four because it's really not the worst that they're not good debts the individual debts but you have two things in collections because you have the apartment thing so it's definitely zero out of ten emergency fund you don't have anything zero out of ten any bad care me you have nothing zero out of ten real estate you have nothing zero out of ten hammer financial score zero out of ten make sure to check out all the resources linked in the description below as they are what i use or would use in specific situations including the best budgeting program in the history of the internet that thousands of people have taken and changed their lives thanks to all of our patreon producers for making this episode possible if you want to participate in an episode of financial audit and you're able to make it to Austin, Texas, please fill out an application in the survey linked in the description below.

1:06:34You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at calebhammer.com.