Dumb Blonde Lives in Delusion | Financial Audit

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0:30I am Marissa. I'm 23 years old out of Washington state, and this is financial audit. Thanks for coming down to Austin. So what do you do up there for a living? I'm a truck driver. Zoom in. Okay. Are we long haul? Are we short distance? Wow. Okay. Yeah, that's a lot, but also could be good money as well. What are you making? After taxes are taken out, I think about 4 ,500 a week. A week? Not a week, sorry. Month. That would be cool, wouldn't it? That would be pretty cool. That would be really nice. $4 ,500 a month. Yeah, I would have no excuses if I had$4 ,500 a week. Oh, so we're about to hear excuses.

1:10Okay. Just a few. Okay. So$54 ,000 a year after taxes, deductions, all that good stuff. Let me see if that correlates with what we saw. So we had coming in$4 ,309. so a little less you're hourly no i'm by the mile okay by the mile so maybe just a few less miles there yeah he had a little bit of cash app and a little bit of venmo in as well yeah okay i got scammed so one of those things is probably about the scam how'd you get scammed what do you mean you got scammed um i trusted someone that i shouldn't have trusted um well okay what happened this person was from the EDM community so I trusted them but what like boots and cats and boots and cats that EDM okay yes and I'm very deep into that community so normally I trust people because they're always watching out for each other one of their mottos is peace love unity respect the EDM community yeah they got together and voted on that motto I guess I don't know exactly who coined the term who's the president of EDM I don't know okay if i knew i i would like to meet that person oh sure um but this person was from that community and they told me that they needed help transferring the title of a car because they were trying to sell their neighbor's car and um they said if i help them transfer the title in order to make the sale they would give me some of the profit from the sale and so i was trying to help them transfer the title yeah yeah that's a bit weird yeah but um i used to date like a car guy so i to me it made sense and i also know people who don't have enough money to transfer a title sure so i was like this makes sense and i also need more money right now but yeah he blocked me on everything so wait how much did you lose uh 380 so it's not like insane but still enough for it to hurt no it's well i guess i mean depending on your situation it's not a it's not the most like egregious substantial it's not gonna end my life but but it also really depends on the rest of your situation you said that has to do with your cash app in and venmo in in yeah i was saying you also brought in 227 through cash app and then 90 through venmo um i don't really remember what that was for okay well three four thousand three hundred was made how much was spent probably more than that you tell me um how much did you spend for like this last month yeah how much did you spend in the statements we saw which is the most recent month yep uh recent statements forty five hundred oh that's interesting six thousand six hundred thirty three dollars that is more than i made where the f*** did that go things that it shouldn't have but then why do they go there fun that's not an answer is that an answer um if it has to do with festivals i was probably escaping kind of escaping from my family situation and okay yeah we'll talk about that in a second but how how i know you're paid by the mile but how often do you work what What does your work schedule look like?

4:34So I work for a month at a time. And then... And you take a month off? No, I get a week off. Oh, and then during that week, you just rage? Yeah. Yeah. Because I work with my ex. So that builds up a lot of pent-up energy. What do you mean works with? You're a long haul. Are you guys dual cabney? He's my co-driver, yeah. Oh, whoa. Whoa. Whoa. It's an extremely uncomfortable situation. Yeah, what is that like? originally it was really painful and then we kind of grew into it like uh it would be more uncomfortable to drive with somebody else than it would be to drive with you but then because we know each other so well does it lead to moments no not anymore that we're broken up we've been broken up for six months now but i'm not like okay because there's no x i've ever had this is inappropriate because we don't can i ask an inappropriate can i say something inappropriate yeah okay i've never had an ex that i haven't seen again that we didn't end up doing something yeah and i feel like driving with that ex would be an interesting situation it is certainly interesting but we're both adults who have decided that we don't like each other anymore um why do you guys have to be cabin mates we would take a pay cut uh well i don't personally want to drive with someone else because it would most likely be an older male that i don't know and that would be a freaky situation and if i were to drive solo yeah i get it yeah yeah but it's supposed to be a professional situation regardless though it is like okay it would just freak me out to be with someone else because i know him but it's still uncomfortable at the same time so i want to transfer to like a job that i can go home every day i actually found a job yeah you want short shorter routes yeah and i have my hazardous materials certification all right um the job that i had before this one it was a fuel job so i've got you know experience with fuel and like hazardous materials so there's another job that pays 40 an hour and you get overtime so i don't have to go by the mile to do this job why do i do this one why do you not do that job right now i am staying with this company because i have a surgery and i have um what surgery a jaw surgery so i have coming up overbite yes probably october or november and it's with like i have my insurance through this company and i went through the pre-approval process which took a very long time and was not fun so i don't want to do that again have you ever googled yourself i did and man the The amount of personal info floating around is just mind-boggling.

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8:31I thought you were doing it. Well, no, I've been considering how much it is going to cost. How much is it going to cost? $6 ,000 out of pocket. it's 32 000 and i have a high deductible health insurance plan yeah i've been working down my high deductible by going to therapy and stuff so it's going to be less than 6 000 now because i paid part of it with my hsa like 3 000 okay it's still a lot of money yeah um and i'm gonna have to not work for two to three weeks that's the thing that i'm most scared of yeah well is there not i mean you can't take there's no pay time off i do have pto but it's not going to go out for the whole time and it's also not as good as what i make so educate me on this surgery a little bit because i don't know much about it is this cosmetic or is this like actual health this is yes medically necessary that's why it's covered by my insurance in the first place sure i have a 15 millimeter overbite and they consider it medically necessary at nine millimeters so So they're going to take this jaw, cut it like in half and forward and then wire my jaw shut.

9:40So I'm going to have to drink out of a straw for like a month or so. I might go on my diet during that time, though, like after that, because I'm probably going to lose some weight anyways. So at that point, you'll make that X jealous. We got a new jaw and we lost some weight. Right. Yeah. Get a whole new life after the surgery. I wanted it my whole life honestly so yeah I mean well if it's medically necessary then yeah my teeth don't meet up right so so yeah like does that like well what's the bad part of that like what does it do they can grind on each other in the wrong ways um and that wear can cause cavities and could lose your teeth in the future if it doesn't get handled yeah so it needs to be handled I also can't bite things with like the front of my mouth.

10:29So it's just not fun in general. I have a harder time eating than other people. Okay. So there is a lot of debt here and you're about to drop another$3 ,000 and you're not willing to change to a job that does pay well to get away from your ex situation. Until after the surgery though. Yes. And the surgery, we're going to have to take more time off than we have in any kind of paid time off. so it's an interesting financial situation looking at uh self-assess where do you think you are zero to ten zero being the worst finances ever ten being the best honestly i would say like a one okay yeah but it is medically necessary so it's not it's not like you're just doing this a want you're not getting like like a larger earlobe or something yeah it's not cosmetic but they are gonna take off like part of my chin because they said if they move my jaw forward it's gonna look like a witch's chin so that part is technically cosmetic but it's covered they're getting it covered with it so yeah we put witches to death so i don't want that to happen yeah it would not be fun okay so let's go through this first debt then i want to hear about how you feel like you're escaping the family or something like that okay uh but this this first card is huge first of all how are you paying for the three thousand because i come on here yes you can put three thousand dollars on here but we're in a balance on the discover it card people love this one discover it when i first got it i thought it was a good deal because it was 1.5x and then at the end of the year it gets doubled so i did make 1300 off of that card yeah if you don't hold the balance yeah sure i did it for an entire year oh great and then it's 181 minimum payment so this is what with me off the bat this ruins me and i don't understand because you're trying to pay for a large surgery that you have to pay a lot of money for out of pocket because you're trying to live a better life but you do the classic thing that people do on the show you only paid a minute barely above the minimum payment but then you took it from five thousand four hundred ninety to$8 ,333 while interest of$160.82 is accruing.

12:44So what the f*** are you doing? Because you have something very important coming up. So what are you doing making your situation worse before that medically necessary $3 ,000 is about to hit? Um, trying to escape the situation that I was in. So that means going to New Day Eatery, meaning going inside a gas station, getting some bulls***, going inside a gas station getting some bullshit uh peninsula food going to this espresso going inside getting some bullshit this apple in-app thing the orange guy tacos going inside getting some bs mcdonald's apple in-app crap university talk tobacco and vape you vape you're getting a medically necessary thing for the health of your life i'm also gonna quit your lungs i'm gonna i'm gonna quit when the surgery comes because obviously I can't vape during that time or I'll get dry socket.

13:38So that's going to be three weeks. Good. Yes. I'm glad you're going to be forced to quit. And then McDonald's and McDonald's and McDonald's and Cracker Barrel. Smoothie bar. Going inside getting some BS. KFC. Uber trip. Uber trip. Uber trip. Hawaiian bros. Going inside getting some BS. Uber trip. Panda Express. Dunkin' Donuts. Going inside getting some b s going inside getting some b s well so going inside getting some b s mcdonald's silver dollar silver dollar frugals and you're not being frugal in-app purchasing lapel grapes first street haven song goku sushi asian cuisine going inside getting some b s going inside getting some BS.

14:32Charlie's Philly Sticks. This is all in one month. One month on a card that you can't pay off. Go inside getting some bullshit. Go inside getting some bullshit. Go inside getting some bullshit. Screwing out all of us. We have a$3 ,000 payment coming up. Derek Green, Subway. Go inside getting some BS. You know how you'd be getting a dry fuck whatever? If you smoked, I'm getting a dry fuck whatever. Saying all these words because you're spending insanely. Subway. Go inside getting some bullshit. jessica's express executive inn netflix bahama mama smoke shop uber eats uber eats uber eats uber eats go inside getting some bullshit uber trip uber trip uber trip in-app apple crap in-app apple crap oh my gosh in-app apple crap please be the end of it it is thank because it's at a 26.24 interest rate what the what is that that's a joke you said this was because you're escaping that's going out to eat every second of your life.

15:29And I know you're on the road a lot, but that's not the only thing you can do while you're on the road. So I don't want to hear that as the excuse. Um, have you ever tried to wash dishes in a public bathroom? Dishes? I don't give a f*** about dishes. You give paper plates and s***, dude. Like, to cook. Plastic bags. There has to be microwavable. Not everything f***ing things. Meats and cheeses and crap in a cooler. Listen, I get it. this is the easier way to do it and i wouldn't expect you not to eat it out at all yeah but the fact is you have a big surgery coming up you can't pay off the car the interest is accruing and you're saying you built this up because you're trying to escape family or something well that doesn't make any sense because it is just eating out eating out eating out eating out eating out eating out eating out eating out you know you there's smoothies for lunch there's so many options that don't involve cooking and listen i've never done the truck game i don't want to do the truck game actually know that i could see myself throwing a podcast i don't know i feel like i'd kind of enjoy the road relatively maybe but either way um not my dream job and i haven't done it so i can't speak about it but i've at least followed people on tiktok that do prepare meals in their truck yeah it is possible um i just need to do it but are those people that you watch are they individuals because this truck is moving about 24 hours a day yes so it's really hard to like cook while someone's driving there is yeah we do have something wave microwaves chill right yeah i have a microwave um it's just hard to eat microwave food all the time because buddy you're going at kfc every second of your life i don't give a shit get some frozen meals you just lost it you just lost it that's it you just get a cooler you just lost it dude that that's it if If you have a microwave already, I'm assuming, right?

17:19Yeah, I do. Then you've lost it. You do not need to go out to eat. Okay. You do not need to go out to eat. Even if you pre, you could pre-prepare so many meals before you hit the road, pre-prepare so many meals, package them up. You wouldn't have to do the dishes. You could do disposable if you need to. That would work for like the first week. What do you mean? You could do two weeks at least. Depends on what kind of food it is. Like a lot of stuff will rot by the end of the week. So you're out for a month fully? Okay. So even if the first half. You're saying you guys can't stop at a grocery store?

17:52That is also something that is difficult. A lot of Walmarts don't allow truck parking and will tow you. Walmart's the only store that exists. There are others, but a lot of them don't allow it. A lot of places, they say that they don't allow it. Like they'll put signs up. I'm going to say right now, and what I need a lot of people out there to know that I'm listening to, anytime I say something I'm not saying it's the easiest thing in the world I'm not saying this is going to be you walk outside and it's just going to come to you no obviously you go to a place and figure it out through your research you know the roads you've been doing it you know the stores you go to a place where you can park even if you have to park at a gas station next to a Walmart for a second those are rare very very rare and we don't have like a dedicated It's a dedicated route or anything like that.

18:41So all the places that we're going through, they're different every time. Okay, drop off the axe. Drive around the block. Pick up the axe. You going to try to find an excuse for that one? He doesn't like to grocery shop. I don't give a s***. Can he drop you off? If it were in the middle of the night when Walmart is closed, because that's when he drives. He drives nights, I drive days. Oh, okay. He can't drive five minutes during the day. Ten minutes. Well, that would interfere with our DOT regulations. okay fair enough i get that there's still 24 hour places though they're more rare there are 24 hour places still and before the pandemic you know a lot of places were 24 hours but even still there still are 24 hours again i'm not saying you wouldn't go out to eat because it is a more difficult situation yeah you will find yourself eating out to going out to eat and i can like let's budget for that right yeah you're going out to eat every meal yeah basically and you have a microwave and you have the ability to cool things if you need to yeah yeah is there a fridge there is it's a mini fridge oh my i have a freezer though so i can't have things that last longer than a week i know you can stop places once a week i know you can make a stop yes well once a week are you kidding me i have done that before and i will i do have some things in my truck now that are like microwavable items and every now and again i still eat out just because when you have a microwaved food for all of your meals it doesn't really feel like you're actually being sustained what's the relationship like in the cockpit in the cockpit like with my yes co-driver oh yeah your ex um uh it's hard to describe because we're we get mad at each other sometimes what the silliest stuff all right you took that left turn a bit weird um there there were times when i wasn't waking up as early as i should be um like is it 12 off 12 on yeah okay um you sleep more than 12 hours well so sometimes not usually i don't usually get off work and then go straight to bed there's usually a time where i have to like brush my teeth clean up a bit you know do my laundry and then like a little bit of phone time after i worked for 11 hours you know um and then i go to bed after that i'd get angry if the person showing up to work to relieve me for his limited free time also showed up late to work that doesn't seem unreasonable Well, does it?

21:18No. Okay. So what else?

21:24He's very rude. Go on. In all senses of the manner. Go on. If something happens that was completely outside of my control, there are things that are within my control, but there are things that are sometimes also. But how's he rude, though? I'm trying to understand your workplace situation. Basically telling me that everything is my fault and that I'm not going to get it right. Okay. And I live up to his expectations. I didn't used to be this way. What way? Like, I didn't used to have such a problem with finances. You're blaming it on him? No, it's me. I've just been really stressed out. Okay.

22:05I mean, I'd be stressed if I was living with an ex, especially if it's a bad situation. It's not like bad per se. he's like a good person but he is very hard on me um did you guys work together when you lived together or when you uh sorry did you guys work together when you were together yes that's sketch in general you gotta have a little bit of space yeah and you're like literally i desire space more than anything right now and that's one of the reasons why i go to so many festivals and leave the house so much it's because i had an individual that was living at my apartment after my ex moved out okay well how many rooms do you have two okay so they had a room yes but they trashed the whole house what why because they are an undiagnosed um like they have an undiagnosed mental disorder why'd they live with you because i'm related to them and i wanted to help this individual out um but i he just got out to her yesterday i basically paid to get out of my house yes so now that he's out of the house is this the is that you're you said that you're related to is this the family that you're going away from that you're running away from yeah that you said like yeah um the house is just so trashed all the time this individual literally boarded up the windows what the yeah and the house was always in such a mess and when i would come home i would spend like two days just trying to clean it up to make it doesn't sound like someone safe to have in your house yeah i got him out just yesterday yeah and so now i'm gonna be going back the reason i got him out actually is because there was i'm having an inspection today i get inspected like twice a year yeah and if the place isn't up to code like there's literally boards on the windows i get evicted and i didn't want to be evicted so i had to pay um my mom and another person to come and clean the apartment in order for it not to be a total ruin and for me to get evicted from this place you just destroy apartments and board up windows you can apply to be on this show at calebhammer.com apply and i'll tell you to stop it okay well i'm glad at least you got that person out of there doesn't sound like the kind of person we'd want around our uh safety place yeah no that's what you're running away from at home yeah like if I'm at home you didn't want to be at home so you ran away from that I go to festivals you have this credit card debt that's according to 26.24 % interest how much are you spending on these festivals how often festivals aren't cheap I go to our Austin City Limits live once a year and that ain't cheap this year too last year well that's not every weekend three slash four because one of them is it's like three days but it's indoor it's still kind of like a festival but it's not outdoors yeah it's at the tacoma dome so it's a really big venue in tacoma happens in there you just live in there no i usually end up getting a hotel with friends and we stay the night there but and then go to the show for three four days okay it's a great avoidance tactic for whenever i'm home i'm sure is it a great money tactic no no but i love it still i would love to be able to budget so that i can still attend some but i do need to cut down the last time you went um to like a festival festival yeah that you're spending all this money on hundreds of thousands like so i go to like raves too which aren't quite the same as festivals festivals are like how often yeah and how much does it cost um it can be about 70 bucks a ticket and then if you're going to be staying somewhere because i'm about a two-hour drive from seattle so uh that's a i've tried to make that drive back home in the middle of the night and had to pull over and sleep because i get so tired you know they end at like 2 a.m and then you have a two and a half hour drive home very different lives yeah i'm better 11 the latest i'm hoping that that will be my life now that this individual is out of my apartment and i'm not so you're stopping you're stopping the rave and every once in a while i love the music sure like love well i'm not saying i even want you to stop what you're into but you have debt that you're not you can't pay off yeah you're adding more debt the i know this isn't very long but for the past week i haven't touched it at all okay i know it's not very long I know that means nothing oh I'm gonna come on the show so let me stop for a week okay that's nothing I know but I am ready to make a change when's the next time we're going to a festival or rave the next week okay see what the f*** are we doing then I bought those a while ago so it really doesn't matter what the f*** you've been doing this last week then does it this one though this festival that I'm going to I wouldn't miss for my entire life like what is it it's so I actually have a tattoo of their symbol they're performing um who what symbol the symbol of the festival the symbol of the artist so their name's odessa and they're throwing odessa yeah they're throwing a festival it's called the last goodbye wait no i know a town called odessa this one's actually not spelled the same it has a z in it like i know what you're talking about because i've passed through that town before in the truck odessa like o-d-e-s-s-a odessa the um the artist is o-d-e-s-z-a i know this song it's probably copyrighted so mute that uh let's play some sick beats over that brandon or sala but it says i've watched this before so i must know of odessa's existence yeah they're my favorite they've been the number one on spotify for the past six years for me oh for you okay yeah and they're throwing um for three days and they're making a new installation that they haven't done for any of the other shows because they're from seattle so this is their home state okay it's gonna be how much are you spending i think i spent life changing yeah i've seen them twice before it's almost a religious experience it's incredible i love the community you sound like a swifty uh it's a little different but that's what everyone wants to say when they're compared to a swifty yeah how much does it cost so the ticket was probably 350 that was actually on the cheaper end that's like the ga kind of situation um and then i also had to pay for the camping i'm going to be splitting that between three people it was 200 so it's going to be about 70 bucks a person and they're also going to be paying for the gas because you know you know what else is life changing spending six thousand dollars in a month when you make$4 ,500.

29:01Yeah. That's life ruining. Yeah. I do want to change that. And we're just going to go spend$1 ,000 on this? So I paid for this a long time ago. Yeah, but you're going to get food. You're doing the camping that you're splitting. I'm definitely going to be budgeting and we're going to be bringing our own food. We're not going to be paying for the food in the festival. Yeah, has everyone agreed on that? Yeah. Really? We've been talking about it. So that's different than your entire existence so far all of a sudden. Yeah, because it's recent. Now I'm really trying to make a change, especially now that my life is starting to come together because I don't have this individual living in my space anymore.

29:42That's kind of the breakthrough point where I feel like I finally can be home and make my life better. Maybe you could also spend, get the balance of this next card down. instead of doing things that are just fun what do you think of like consolidation i wouldn't trust you did you see the spending on that last card that doesn't make any sense you're just going to build all the balances all the way back up you're going to consolidate your behavior is not going to change you're just going to f**k it up i've taken the cards off of my phone i've brought them here with me if you have a shredder i can shred them that's great let's do that but uh one week i know that's nothing i so when it comes to getting my goals figured out and done i don't trust myself until i figure out exactly what it is and i dedicate myself to it um when i was in school i got my uh my associate's degree before i graduated high school because i dedicated myself to it and i have proven to myself that when i set myself on a goal i will get there i hope so yeah i just hadn't had the chance to set myself on it yet because there was so much other moving elements in my life okay well we have this freedom freedom to be quiet 7826 this is interest free right now yes okay when does the interest kick in i believe it's december oh it's the end of this year you have to pay you have to pay i would like to consolidate it why did we not just go over how that's bad even if you have goals that there's a your behavior hasn't changed you've done a week even still you're going to a music festival and next week prove to myself in like two months no using the two months i don't know man two that's that's pretty damn interest is pretty crazy on the other card and i don't want it to get on to that no i agree you know what i agree i would love you to consolidate yeah but you don't trust me to be i don't trust you to consolidate yeah i don't know i would love people to consolidate look at this last month you spent 6 000 hours you brought in 4 500 you've been okay for a week yeah i did that scares me i know it needs to be like getting in a worse position yeah i don't want to do that but that interest rate is crazy on the other card and that one is going to be crazy too come december it might be a bad idea and you still had purchases on this some on uh w s dot good to go is that oh that tolls yeah i probably just need to take the tolls yeah take it off it's on a credit card again you can't manage it you're not a credit card person i'm sorry yeah you're not if you anything get a card like the fizz card that at least works for people like you and that's okay it's okay not to be a credit card person and again maybe you can be maybe you can consolidate someday just don't one week that gives me no confidence yeah that gives me no confidence yeah and and and you're gonna be out of this job for a bit you have a three thousand dollar thing coming up i don't want you to be like oh now there's some room on a credit card because i consolidated let me pay the three thousand you still have an answer how are you gonna pay for that um because it's going through my insurance i believe that my insurance will like pay it and then i pay my insurance and i can do payments to the insurance so you're doing debt interest free debt debt you're not paying for it you're adding more to your minimum payments save up for it but i want to at least save up for like the time that i am gonna be off you know no i agree do that great but when you're doing that you're gonna have less income in that situation you're saving up to live off of that i'm afraid you will then just spend on credit cards because that's what you've been doing yeah so maybe wait until after the surgery to consolidate till i if if if you consolidate i don't know how much dude i don't know i don't know if i trust you to i mean you were literally spending on this card Either way, you have six months to pay it off until interest accrues.

33:58So you need to pay a real minimum payment of$1 ,319 on this month. Okay. To get it paid off before December. And then I have a minimum. Normally$78 a month because they want that. So would I want to pay that one first or the one that's already accruing interest? We'll talk about that. Let's assess the entire situation first. Okay. Because we have a car next. 2024. Why do you even need this? You're in a truck all the time. You don't drive. Except for one week. Yeah. Well, with festivals... This is an expensive situation. Yeah, with festivals, you can drive a 10 ,000 car to it. Well, I was involved in a car accident, and I was...

34:37Sorry to hear that, but I don't say that means we get a 35 ,000-hour car. I have an exciting channel announcement, and it's one of the most exciting things we've done so far. By popular demand, we've launched a new tier to our channel memberships. There you'll get an exclusive audit that can't be found anywhere else. It's ad-free and completely uncensored on the first Tuesday of every month. On the second and fourth Tuesday of every month, myself and members of the company will be doing exclusive member live streams where we can hang out with you and talk about whatever you want to live. And finally, on the third Tuesday of every month, we'll be posting a new behind-the-scenes podcast called Crewcast where we'll be discussing everything behind the scenes at Hammer Media.

35:16And of course, this new tier gets access to all the badges, emojis, and the financial audit post-show. This is honestly going to be really fun and I'm super excited. And we kicked it off this week with an exclusive couples audit and an updated office tour since we've expanded so quickly. Check it out. Link in the description below and in the pinned comment. I really wanted something that I knew was safe. Oh, cars five years ago are all of a sudden the most dangerous things that have ever been created in the history of the world. And everyone dies when they get in a car crash from cars five years ago.

35:45if i don't know their history i'm not necessarily a car like the last person that used the car okay isn't that carfax i guess i could do that okay yeah yeah there's usually solutions to when we bring up an excuse to do something that's 35 000 hours usually there's like answers to the excuses answers to the excuses well what do you think it's worth today because this is why it's bad probably not as much as i paid for it but i have give me a number gap insurance okay cool 30 000 24 24 welcome to cars are you serious you bought a new car come on i didn't know it was gonna be that much less that's how it works i do plan on running it into the ground as long as i didn't get i hope so because it's expensive better not upgrade you're at a i'll have it 6.29 interest rate which isn't the worst yeah not good though because you're barely beating the market especially when you include depreciation you're certainly not so we still want to pay off this and look at this a 623 dollar minimum payment that's insane that's a horrendous minimum payment just going to a car that's disgusting what i don't know yeah it is gross i do love that car it's a car it's like the one nice thing that i have in my life but you can have so many nice things if you clear out your debt you have a fully funded emergency funding you have a little bit of retirement set up and i know you have like a you know a few pennies set aside but it's i you could have so many nice things you're rushing into it though you're preventing yourself from yourself from having more nice things because you're getting yourself in a situation where you have incredibly highman hey you gave yourself a six hundred twenty three dollar minimum monthly payment on this car when you need to put one thousand three hundred nineteen dollars towards the freedom card yeah to pay it off in time you're making it harder so i think that you're making him i didn't have as high of credit card debt okay then you did it worse then you did it even worse because you went into credit card debt even though you had a 623 dollar minimum of your car yeah so it's even worse in the span of like you're you're preventing everything in my life hey the nice things that you want you're preventing yourself from getting you are preventing yourself from getting because you're just doing you just wanted the nice car right now at 23 dude you could have had a nice car of 26 27 and i also didn't want to worry about it anymore like i didn't want to worry about having to upkeep it like you know i agree i agree but actually i got like oil changes for the lifetime of the car that i have it i don't but yeah but who knows if that's worth it who knows what you paid if it's like if it's like some eight for the lifetime of the car hmm how often do people usually keep cars i know you said you're gonna run it into the ground but life is yeah if somebody crashes into me or well there's not even that life take turns sometimes you want a new car like i know you say you don't right now but life is yeah okay well you know maybe that's not the absolute worst and again a lot of people just do their own oil changes yeah i don't have the space for that off of youtube at my apartment i don't have the space to do that and also i already have just that week off after working an entire month at that point i just i spend more than 25 on oil changes i had gotten a cheap oil change on my last car and they forgot to put oil back in it and i left so i'm never doing that again well that sounds like home they sound it looks it sounds like you went to a special place it was full of special people um i probably shouldn't be working there uh but that a extra eight hundred dollars when you're so far underwater just that does kind of scare me and you're just again i agree with the general concept i don't want you putting a ton of money in the car but again when it comes to excuses and reasons why we went and got a 35 000 hour car you know we're going in if we're getting like a 15 thousand hour used car we're going and getting it checked out by a mechanic maybe two mechanics if you're doing thorough research yeah making sure they look at everything spend it a little bit of money just to have them be like okay you know you might have to replace this in this amount of time you know it might not be safe for this reason these kind of things and then you don't get it or they give you their seal of approval and you're like okay you know what this is actually a smart purchase those are things you can do and you get to save yourself right there twenty thousand dollars yeah that was a lot of extra work when well yes i feel like in a little extra effort saves you 20 000 working and that's where my work goes to yeah but a full week instead of going to a rave maybe when we went to one mechanic but if you worked for like an entire month would you want to spend that whole week off just want no no want no kidding me no it's not about wants though yeah this is this is literally your future this is your existence i i i i'm a little confused why wants to precede the longevity of your financial health and life it doesn't make sense shouldn't okay well there you go you've answered your question though yeah i mean that's it i don't want to be a hard but i mean at the same time it's just like i understand it wasn't don't don't make it don't make it to the point where i'm if you're underwater on this car by ten thousand I don't think you're getting$100 off that oil changes.

41:05Like, I... Yeah. I'm going to run it into the ground, but it doesn't... Yeah. If I pay it off in six years and I keep it for 20, that's 14 years that I'm not paying for a car that's reliable and also keeps me safe. I don't know. I might borrow$10 ,000 to sell it, pay off the loan, borrow an additional$10 ,000, and then get a$10 ,000 car. That might be what I'm doing, but I'm a get out of debt kind of person, a bad debt kind of person. I also want to get out of debt. Oh, there's a solution, and what you did is not. Yeah. Okay. Amazon. Do you pay this card off every month? Yeah. Yeah, that's what I thought.

41:49Cancel that one. Good job. That's a demonstration of a potential future credit card person. I used to do that until I was trying to escape, but I'm now in therapy to try and teach myself coping mechanisms so that way if life when life gets worse again it always does and it always will that I'm not trying to run away from my situation I feel like that's been the theme of my life recently is I need to stop running because every time I do I screw myself over worse but I well I hear that and I empathize with that what helps you though and that situation is having an aesthetic of like an emergency fund if you had to run away from your apartment right now because that person was messing with it but you just couldn't get them out you could stay in a hotel for a week with you know if we have some if what we did was properly budget properly manage our finances not have to just rely on debt you could have put yourself up somewhere and we could have you know well maybe you're working with authorities or mental health services or something you know that gives you the opportunity that gives you the safety it's a safety net for a reason that gives you the safety i don't want you to always have to be running you i don't know you're putting yourself in a risky position because we're deciding to eat out every second of our life get a car that is way too much for your situation yeah i don't know i i i think those are i don't think they're immature childless behaviors like many people on the show but i still think they're ignorant decisions and kind of you're really i don't know i still you're putting yourself in a bad position you're kind of your future i know You're f***ing your present.

43:22And I had such high hopes for my future, too. Yeah, but you say something. Well, come on. You're 23. There's a lot of future to have. Like, we can talk about how to turn this around if we will. So, I mean, don't do that. I'm just disappointed because I'm usually not this kind of person. Well, what's usually? You've been an adult for only four years, five years. I feel like I've grown up really fast as a kid. Okay. I know a lot of people say that, but I was able to get a lot of things done that, like, I actually broke the history of my school. There had only been one other person who had gotten their associate's degree before they'd graduated high school.

43:55And that was my precursor to what I thought the rest of my life was going to be like. And how did we end up where we are? Running. Running away from things that I need to solve. Okay, what then? Give us some actual. I've heard this run a lot. Give us some like actual substance behind that statement. Okay. running from like um both emotions and physical things like before this individual lived at my apartment i lived there with my ex and it was kind of a loveless relationship like he was always playing video games and i know that i could have been there but it just reminded me so much of the failure of the relationship what you being there yeah okay okay sorry that's okay there's tissues right there if you need them um so i would just go to festivals to distract myself from it i literally don't even know i'm crying right now i'm literally over this um and so we like lived together is and so i would run away from it and eventually he moved out but you're both running away it sounds like he runs away internally playing video games but then you run away i don't know like i i don't want to put the blame on him or you or anyone i because i wasn't out of but i mean it sounds like you both were doing like running away from each other sort of yeah okay but i did it in a financially irresponsible way and he did it in a way that didn't cost money so oh trust me i've seen gamers blow money yeah he's very fiscally responsible um and i aspire to be a little bit more like him when it comes to finances okay yeah so that's you're running away that was the beginning of it yeah because that's when i started to get into debt was when i started going to festivals that's when i got used to spending money on credit cards in the first place was because i would see this festival coming up and i'm like oh you know i it doesn't help that i also love them you know it's a passion of mine i love music it lights me up inside um but that combined with the fact that I also didn't want to be home so those two things together I would buy festival tickets before I had the money for them um and that got me used to spending money that I didn't have sure and then after he moved out um this individual moved in and trashed my place for like six months I would always ask him to just clean up after himself it's not that big give a deal you know and every time i would come home and it would be even worse and i left it i started taking pictures of how i would leave the place so that when i come back and i'm not just crazy you know it's like six months why don't you try to get them out quicker it's been a long process because this individual is 19 years old and they have a mental disorder that they can't live at home strong no okay yeah um yeah i didn't really know what to do with this individual and i felt like his last straw was to be with me where do they live now they're going back to minnesota with another individual that i know um in their car probably going to be on my grandparents's farm on the car on the car in the car on the property on the property they're gonna live in the car on the property what the okay yeah that's one of the reasons why it was hard to get it figured out because it's like i know the position that you're in and it sucks you can't live in a dangerous place yeah no matter what and it got to that point now there were a few misunderstandings and i i needed him to be out by the time I was going to be inspected so I didn't get evicted so I reached my breaking point and yesterday I was like you need to get out please get out of my house so I can come back and not be evicted because my stuff if I get evicted and my stuff gets thrown out and I'm working all my stuff is gone you know and I can't make it back there in time to grab it okay yeah it's been a tough situation but i should have handled it better well i mean i mean that's that's where you were that's where you were you ran um are you still running though because you're going to this concert next week that's my concern i wouldn't miss it for the world that's why a week is nothing in anything a week is nothing in dieting a week is nothing in financial budgeting a week is nothing yeah i don't know i empathize with what you're saying in the past it does not change my fear for your future unfortunately yeah i i need to learn to stop running um this this uh festival that i'm going to though it almost wouldn't have mattered what position that i was in i seriously wouldn't i wouldn't have missed it for anything i would have found any way to go i just i don't even know what to say about that though i i can't combat that i don't know you're you're choosing that over your life that's more important to you than your actual life experiences are important there's going to be a lot of experiences you can have you can't pay off these credit cards like 1319 dollars is your required minimum payment on that freedom card to get to a place and the what you want to do to get out of this is consolidate which is not going to be what saves you not with your spending inhabits one week is not going to do it are these your medical debts um yes so you owe a total of 599 599 like 599 um it's hard to say because some of this stuff you pay it through the app but well it says total load is 599 i know that there is something on there that's like two thousand dollars that's from the car accident and i'm still at the end it says total load is 599 that's weird because there is something that should be on there that was 2000 um yeah this is just and it was well oh that's another one there's two okay yeah it looks like you owe 5.99 for this medical one i assume you're not on a payment plan yet i am for one of them which one the expensive one yes okay it's about 223 a month well okay this is going to be solved once I get done with my attorney.

50:25Like it's still ongoing. The case is ongoing and it's going to be covered. Car accident. Oh. I got hit. So. But I mean, you're assuming you're going to win. Legal systems? I know it was from the get-go. They admitted. They admitted. You have that in writing and video and audio? Yes, it's on the police report. Okay. Yes, they admitted fault. So it is going to be covered 100%. There was a disabled individual in the vehicle. So why did you get on a minimum monthly payment then if it's going to be covered? Because it's not going to be covered until they're done with the case. They're still gathering their, like any kind of medical expenses that I have.

51:08Because I was truck driving at the time, there were a few hospitals that I went to that were out of state. And I'm having issues finding which ones they were. I don't know what their names were. They haven't sent me emails. They haven't sent me anything in the mail. So I'm having a hard time finding those claims. But at this point, I'm actually curious what you would do. Because if I don't get this figured out, I'm going to have to pay off all of this medical debt up until the point that they do it. Would you let it go to collections, the thing that you can't find? Or would you just... Well, that's going to f*** your credit.

51:40I don't think you're in a position where you want your credit to be f***ed. Could you dispute it? Because I don't know where it is. I've looked everywhere. I've looked in my email. I've looked in my mailbox. recommend they say to find it i kind of is there anywhere online you can request oh i if i knew the name of the place that i went to i don't even know the route that i was on i know the state of one of the places that i went to there were two hospitals oh yeah that's difficult yeah i had given them my information too and i had given them my health care and they didn't they didn't charge it would your trucking company be able to give you a location if you know the date um it's possible i know that i think that they delete everything after like six months and it happened well contact them at least see there there's a place to start okay yeah and i do remember that i think one of the hospitals was somewhat off route see where you're swiping your card around that date just just just get a general idea okay start making some calls i don't know i mean i feel like you got to do a little bit of work yeah i have been looking at like going through my all of my my two different email accounts to see if any of them showed up checking my mail well you haven't gone through your email no i have oh i've checked both of them and looked at the dates that they were up to a month before and after and there's nothing from either of them and that's really the thing that's holding you don't have history of your routing um up until six months they deleted after six months i believe what about like google maps do you use that at all we have our own system because google maps will put you under a bridge if you know a city you were in via purchases and we know you purchase like multiple times a day yeah come on i mean we should be able to at least call the hospitals in that town.

53:37Okay. Right. That's basic. Yeah. I don't think that I, maybe I bought stuff in like surrounding towns, but whenever I went to the hospital, I hadn't bought anything in that town. Are you sure? Cause you go out to eat three times a day. I don't know. Yeah. Is that all your debt? Um, I think, I think so. Yeah. The two credit cards and the medical debt and the car. 42 dollars and what is this so that savings and then yeah and then in the checking account 1511 here we go again this doesn't make sense dude spending so much money and the music festival thing it's not it's not the biggest opposition thing in the world because if it's a once in a lifetime well you've already seen them twice so actually never mind um it's their finale yeah for now for at least the next six years if they're not retiring but let's pretend that's okay even there with all this debt you have to pay off again you're going to wendy's you are getting tiktok shop mcdonald's dickie's barbecue dunkin donuts going inside getting some bs old west trading crazy rock curiosity stream i and i like it but you just can't afford it go inside getting some bs and wait what is this you got oh no what is this amazon 250 dollars did you get um did you get might have been festival equipment for camping see i told you you're spending like a thousand bucks on this total at least i finished buying things for the festivals it doesn't matter you're not paying on your debt i don't give a when you paid for it yeah you're not paying your debt venmo venmo venmo nintendo mcdonald's spotify going inside getting some bs starbucks erica's cafe mcdonald's popeyes going and getting some bs two door sin whatever.

55:47Go inside getting some BS Carl's Jr. Asian Fusion, Starbucks, MetaPay, MetaPay. Setting out through MetaPay$150. Oh, more MetaPay! $80 that time. Starbucks, Starbucks. Something, Kent Station something. And more MetaPay. WillySmoak, Starbucks, Domino's, MetaPay,$20. Are these Facebook games? No, that's probably with my co-driver sometimes if one of us buys something than the your ex Yeah, like if we're both eating food and one of us buys it then the other one pays the other person Going in getting some BS going in getting some BS going in getting some BS Starbucks Going in getting some BS going in getting to BS going in getting some BS McDonald's going in getting some BS Yeah, we know you can out places you do it every second of your life big flavor Starbucks MetaPay Starbucks your spending's insanity and you're smiling about it but your spending's insanity insanity yeah okay fine maybe the meal let's excuse the meals for a second the amount of times you stop for coffee and drinks like you have debt and you think that something bad is going to happen meaning you have to run again but instead of setting yourself up for that you're putting yourself in a bigger hole that's going to prevent you from even being able to run in the future yeah i think a lot of it is the spending on food that i know what do you mean that's what i just went through yeah um i i guess when i say festivals and stuff that's what kind of got me into spending i didn't see festivals on here i'm not talking about festivals i'm talking about your spending most of it is the spending on food now yes i know what are you saying what are you trying to tell me work on not eating out so much yes yes you do what are you gonna do in order to do that what's gonna actually change um i i need to work that that means nothing that means guys guys guys guys guys guys guys guys guys guys guys guys guys i need to work on working out more boom did i just solve it did i just solve that i'm gonna be working no what are your what are you going to do um i am going to go to walmart weekly oh i thought you said you can't i'm going to trip plan oh so all of a sudden it's possible now that we're not making every now and again it is there There are some places that don't allow it, but if I look ahead of time and I know where I'm going.

58:32Also, if we take a little bit of effort. Okay. Yeah. Sure. Yes. Look ahead of time. Stop at the Walmart. Also got to make sure that we can make it to the Walmart before it closes. But yeah, going to Walmart and buying food there and not buying at eating out as much. It's a start. Yes. What are you going to get at Walmart? For the past week, I have been doing that, but I know the week. A week is nothing to me. Don't bring it up again. That annoys me. okay a week is nothing week is nothing a week is nothing i'm sorry yeah i've done attempted a diet for many week and then you know you fall off but i've been doing it for like a solid almost like three weeks now now i can kind of say i'm like on a diet because i've done pretty well yeah okay you know down some decent poundage i should wait tomorrow and get see where we're at though I think I might be getting pizza later beside the point listen it's debate night and oh is this excuses listen it is it is I get two days you're gonna tell me no excuses you go to four music festivals a year I get two days every four years okay two days every four years you're eating pizza you're telling me that's the only time you eat pizza Two days every four years, I get to nom and watch two old men that can barely stand up yell at each other.

59:56Okay. Well, once in possibly a lifetime, I get to see my favorite artist perform three days in a row. Once in a possibly a lifetime. You've seen them twice. Three days in a row. And they're also doing an incredible setup that they haven't done ever before. Could be the last time that they ever perform. Yeah. And then you'll find the next artist. That'll be the last time because you went to four concerts. They were my number one on Spotify for the past six years. I really don't care. that's not what was killing you i know that's just what got me into it that's what got me into getting food into using money that wasn't mine getting used to it what happens if you don't get this job i will apply for another one i'm not quitting a job until i have another one lined up so you're not miserable right now yeah um it's not comfortable how often are you applying for jobs i haven't been applying for them yet because it's too early my surgery surgery it october or november we don't have a date quite am i going to my orthodontist they're probably going to set it see and you do all this while that's coming up too that's another thing that's it's scary and you're going to go into debt to them you already said three thousand bucks unless i can get some real sh** better before then.

1:01:10Well, yeah. That's what this conversation's about. But you haven't, so... Okay. I haven't shown it previously, but I'm taking accountability by embarrassing myself. Okay. $3 ,000 on a health savings account. Happy to see that. $12 ,000 on a 401k. Oh, hey, right there. Surgery. Paid for. Oh, that's what you're going to use? My HSA? Possibly. Yeah, if I don't... Yeah, sure. Do it. because it is um tax-free why didn't you say that before i forgot that i had an hsa oh okay well i didn't know yeah i have two hsas actually well no not two they just i transfer one from one to another account so i can actually invest it i thought it was gonna be a big thing we're gonna have to solve but you just made my day easier 12 000 and a 401k okay there's actually a great a great start for your age okay i think that uh 401k we have like a match so what's weird is you some behavior things that are actually kind of good that many people on the show don't but then you also show some of the worst spending for your situation and a really dumb car purchase compared to a lot of people as well your polar opposites on so many things like you have some good decision, good sacrifice, good maturity.

1:02:31And then some is just the worst. It's very confusing. Yeah. Which means I don't know which direction you're going to go in. Which one's going to pull the other one? This is kind of the deciding point. I don't know. So I think a lot of the mature things that you've been doing, like the HSA and the 401k, a lot of those are automatic. So you don't have to think about them. Those are autopilot. but the things that you have to make daily choices on they're over here and your daily choices are bad and immature and irresponsible so I think when you're actually going in to make a decision you don't make the right decisions but if you're able to put things on autopilot that's when you do okay if I'm able to think about it for a certain amount of time ahead of time then I will usually make the right decision if it comes up right away then I will probably make the wrong decision whether or not my thoughts can intervene so like with the HSA and the 401k those are things that I thought about and I decided to do.

1:03:25Maybe I just need to make it more automatic that I make the right choices, like only allowing a certain amount in an account that is my spending account or something. We are basically halfway through the year and I need to make sure you guys are saving your money in the right place. In my resources section in the description below, you can sign up for one of the best high yield savings accounts there are, but you can also get$300 for free with qualifying deposits you can also get fdic insurance up to two million dollars on your money and get 4.6 percent on the money that's just sitting there it's exactly where i put my money why let your money lose money when it could be making money it's the biggest no-brainer in the world open up a sofi high yield savings account now and get that 300 for free so right now your unknown shopping is 2 ,000 bucks that's usually Amazon Walmart crap let me look yeah it was Walmart because I know it's not groceries you spent$1 ,373 at Walmart and$654 at Amazon what the f*** are you getting it's like half your paycheck okay so this festival thing is starting to get to like$2 ,000 now minimum and you you made it sound like it wouldn't even get beyond 700 earlier so like i don't know what the you're talking about future reference now it won't because i have all of you mean more spending it won't cost an additional 700 if i ever budget again for a festival you're not going to be doing that for a while yeah that's an insane amount of money that's where your extra thing you're miscellaneous bullshit shopping and just getting some extra crap 10.5 % of your spending And again your spending is already$1 ,500 Over what you earn So that's already horrendous 15 % went going out to eat 2 % went to phone What's your phone payment?

1:05:19Verizon 157 how much? Or what is it? What are you doing? Is it financed? Well it's paid off now But I have a watch Which I set down And then I have an iPad as well Oh and they're financed? Yeah I think that they're interest free But I've just decided to shut off my wifi Take your phone and get it's coverage on Helium for$20 a month Cause that's ridiculous This is insane It also includes my hotspot and stuff And I'm getting rid of my wifi Cause the other individual that lived with me They were the only one that needed it Oh my gosh So it'll take in like$30 for wifi This is ballooned Let's see if this bucket even works So okay$4 ,500 comes in What's your rent?