Frustrated Incel Desperate To Buy Women | Financial Audit

32:10The difference for this is like, this is like a hundred percent related to what I do with YouTube. So it's incredibly useful. And I go through it like consistently. Sure. And I could go through like 10 ,000 YouTube classes, but unless I'm putting the action into it, that's all I'm saying. So I'm not necessarily against that, but when I start seeing all these different ones start combining together, that starts making me a little nervous. That's it. So it's a little nervous, but it's not me saying I'm against that. I am against that putting on that card because you're not paying off that card and it's accruing$100 in interest a month which is a stupid fee to pay to be able to pay for your different subscriptions.

32:46Do you guys pay$100 a month just so you can pay for subscriptions? Have the privilege of paying for subscriptions? Because that's what you're doing. I didn't realize it was that bad. I thought it was like over the course of the year it was like$100. I didn't know I was paying that. Almost$600 this year so far. Wow. Yeah, that's... Kind of... Yeah, no, it's very... That's like a month of rent. I would just rather you use something like a Fizz card, man. It's geared for your age anyway, but a debit card that builds rewards and builds credit. Again, I don't know. You're not a credit card person. You're not managing it correctly.

33:25You're just spending it on a card that's a coin. It just doesn't make any sense. It doesn't make any sense. It's okay, Apple card. Why do we have an Apple card? because it is so much money. Your balance is insane on this. Yeah. Sorry, before you say it, for the audience's sake, you owe$7 ,107.50 with a minimum monthly payment of$447. Kill me now. I'm glad you make money because good death. Yeah, so I got the Apple Card because I can't remember. I was watching a bunch of financial YouTubers. I have an iPhone, and I was like, they're like, oh, get the Apple Card. I'm like, okay, cool. So I did that, and like I had like I started off like a like let's say like a low balance maybe like uh or amount um and it was like maybe two thousand dollars um and then I never reached it I always paid off and then as things like got like more and like more and more so I was able to like a five thousand dollar balance or like a more amount right uh line of credit and then a seven thousand dollar line of credit right yeah so I would end up like buying things like I bought this you are listen I'll just cut you off you are not a credit card person you cannot be trusted with credit cards because if a balance increasing or the available uh spending balance increases means you spend more money then you are not not someone that can manage credit cards because when i see my ability to spend go up i'm like yay my credit score just went up because my availability of credit just went up and i'm excited this is great someone thinks i'm good well you just use it you're using it the wrong way you're using it against every single teaching that you saw on the financial youtube space when you started watching yeah i'm guessing graham was one of them yep graham and he wouldn't advise what you did neither would andre i i haven't really seen his stuff as much but he wouldn't advise that he wouldn't advise that all the others out there and even the artist space like not remita roman or uh or just any of them i don't know dave ramsey not a single person would advise so you talk about how you watch them how'd you go from watching them to up no to the your available spending going up to you just using that spend yeah so uh it's all lifestyle so like you know when i had like you know i know but you had the education so why are you wearing two watches uh oh so who's ever worn two watches well hold on so i've got this one for my health much like you do probably stupid you got the like 500 million dollar one you didn't need that for your health you could have got the simple one uh i like tech uh yeah there's another excuse okay it's not just for health yeah um well it's nice it's nice to have this yeah but you don't need the big one you don't need the one for hikers well yeah so i had i look like you haven't been outside a day in your life well i mean so do you but that's why i have a normal one okay well i had a normal one and i was going to the gym relatively frequently and then it broke and then i also stopped going to the gym um but i got this one when i was going to the gym relatively frequently because I didn't need it to break in the sauna.

36:15It has a higher heat rating. And also I can wear the sauna. Yeah, dude. Sauna is awesome. You don't need to wear a watch in a damn fun sauna. Yeah, but it's just more convenient to wear it. I can track my heart rate and then I can be like, okay. Yeah, that's worth going into that. Okay. And then you have to wear the other watch because the other one doesn't tell time. This one tells time. I just wear this one because it's more of an art piece for me. Uh-huh. How much is that? So this costs$2 ,500. Oh, good. Yeah. Which is so This is one of the watches, by the way. I have like$10 ,000 in watches in total.

36:46Yeah. Are they at least holding their value? Yes. Most of them hold roughly like$70 to$60. Sell them. Sell them. Why not get our debt? Are they gaining? Are$4 ,605 of them gaining 30 % a year? No. So I've thought about it. I've thought about it, but I can't. I've thought about it for you right now. Do it. No. Because the way I look at them is art, right? I'm not using them as like velvet goods. yeah you're 22 I don't give a f**k I don't give a f**k their art what yeah 100 % I love them I love like wearing them I like their intricacies like I know a bunch of that's great that's great we all get to do the things we enjoy this is a hobby this is you know the artist type stuff we all get to do that when we're in a financially healthy place you're not and if that was your investments for the future I would say one that's dumb that's not any diversification I think that's an okay fun little extra investment to have but if that's your entire portfolio.

37:40It'd be silly. Right now, by the way, it is your entire portfolio. Fun fact. Yeah, I do know that. Either way, either way, that is not what someone does when they have 30 % interest on their debt. Yeah, so I'm not going to sell them because at the time when I bought all these, like they weren't like, I had cash flow. Like it wasn't like debt and I don't want to sell them now. Like everyone has like a story to tell and like maybe you don't get it because you're not into watches, but like I'm sure some of the members No, I'm into money and your money sucks. Yeah, but I'm into improving your life and your life sucks.

38:07It's actually pretty good outside of the debt. Yeah, but it holds you back from so many things that you don't understand yet. You haven't been in the process of trying to buy a house yet. You haven't been in the process of trying to retire yet. You haven't been in the process of trying to leverage your financial situation for anything beneficial. You're just bringing in some cash flow. You don't understand the use of wealth or anything yet or any kind of investment. You don't know what you're talking about. Yes. So that is all true. It does suck. I have to move out in January. So I actually do need to pay my credit and pay stuff off.

38:35What do you mean you have to move out from what? You live with your mom? No, no. Chapel? No, that'd be nice though. That would be nice. No, she has a big. No, you're her cousin. We can't say that. That's dumb. I'm sorry. You're all good. You're all good. The green outfit though. Yeah, so I live with some friends in San Antonio. We rent out a house, but that house is being sold sometime early next year. So they want us out by January 31st, which is cool. If you're a foodie like me, you'll want to keep listening. Picture this. You want restaurant quality meals, But who has the time or patience to cook like a pro every night?

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41:02Probably not. I'm looking at, yeah, I'm looking at either Austin. Oh, that's not the cheaper major city. That's the expensive major city. Or an even expensive city, Miami. Oh. Yep. Okay. Any particular reason why? Yeah, so I have a lot of clients in Miami, so it's good to have that in-person relationship. And in addition to that, my family is in South Florida, so my mom and dad are an hour away. And long term, I'd like... Why are you here then? why are you in san antonio so i moved out here uh in 2021 because it was like my roommates were like hey like or my friends at the time were like hey we need a an additional roommate would you like to fill that spot and at the time i was a twitch streamer um and like did the consulting stuff and i was like how much did you ever make off of twitch what was your highest earning month my highest earning month was 5300 and people pay you to advise them um on youtube yes what was your highest earning month on youtube uh personally don't lie okay personally my highest earning month not a lot why would people trust you because i'm really good at what i do um it's less about it's less about like okay so some people are better at doing things and some people are better at coaching i'm much better at coaching i can do you know what to coach that you couldn't do yourself though okay so doing myself i really hate doing it myself uh i could okay well that's relatively reasonable what do you hate about it um the like project management so like let's say if i do it myself i have to have like editors etc things like that script writers so managing all those different pieces i don't enjoy doing every youtube not not every youtube channel has that gaming channels don't necessarily need that the gaming channels i work with at the scale i work with do sure but you could do something that doesn't require scripting and editor obviously great to use but yeah um at that point comes a time thing and also there is some level of like investment you do get a return so like if i did do it myself i do run a channel it makes me a thousand dollars a month in roughly passive income and i have to put that with my partner um but like yeah that's like a massively successful channel like we average business partner or like diddle diddle partner no not diddle diddle partner business partner uh so so you're not moving in into a place with a significant other no absolutely so this is gonna be all on you yeah all on me okay okay um i mean i'm okay with it i mean like you know one of the reasons why i felt comfortable making our budgeting class our investing class and our debt class they actually are really good you get them for free fun fact but let's go i love free stuff.

43:14Yeah. Free stuff is good. Um, but the reason why I felt good about doing that is because I've paid off my debt. I love working with experts and gaining their knowledge and bringing their knowledge into our programs. I love budgeting. It's fun to figure out. So I love teaching the skills around that. And I built a very successful investment portfolio and I love teaching about that and like how to determine investing profiles and what to invest in based on that. I like that, but I was successful at that stuff. You weren't successful. So that's not necessarily true. I did work on a channel originally so I was hired as a thumbnail guy and then the guy who ran the channel was like hey would you like to do some strategy stuff and I'm like sure some strategy stuff so he was like hey can you come up with ideas for videos and I did so I took that channel from 70 ,000 subscribers to 240 I think I want to pause on that though because this sounds like the classic resume thing that we all do and this is not a bad thing we all work at a company the company does something successful and then on our resume we said we brought it from this to that it's like realistically in your mind please be honest how much of that was legitimately 100 % you?

44:18Me. All of it. I have full documentation of everything I've done. I'm more than happy. I'm taking your word on it. I'm taking your word. And then you know I've got like a YT jobs portfolio that has all my work. What did you do? What did you do? Yeah so we had a roster of creators. First and foremost I did ideation so I figured out what ideas made the most amount of sense and then I then gave those to the like those creators. Then I looked at and figured out what thumbnails were working the best in the space with our direct competitors and indirect competitors. Why couldn't they do that? It's so simple.

44:42They don't have time to do it. So that guy that I was working with, he's a father, he has two kids, and he's running the other side of the business. So the YouTube thing was like an auxiliary thing that he gave to me at that time. He's more just exporting a job. Yes, exactly. Which is fine. That's normal. And that's where I cut my teeth. And then I ended up working with all the creators that we worked with. So we would hire creators to work at this business. So we'd pay them a flat rate and they would do videos for us, but it would be our video ideas, our packaging. and then eventually that was relatively successful and then they also learned a lot so I was also working with those guys as well so I was working on that business and I worked with seven creators at one time so I was basically working with eight creators at once when I was like 17, 18 and you learn a lot really fast we got sidetracked, that's okay that's good to know though that's good to know for the future of your career in general so this card in general because you just got a higher limit to spend on you just started spending more?

45:33yeah um it was one of those things where it was like you know you know flying economy and i'm like oh or or like business right and it's like i i can fly business now and then i would and then i'm like i probably shouldn't have done that but i'm like but i i like doing i don't do it anymore i fly economy i fly the cheapest seats now okay okay i i've scaled back on that i'm also short so it kind of works out how tall are you like five six i'm like a manlet no we call them short kings oh short kings you get it i respect that yeah i have i have like an uh uh puerto rican midget that works for me nice vertically challenged yeah he's not only around here is the puerto rican dump truck though for those of you in the uh youtube membership uh for our channel members yeah okay so let's see okay all right so you say you stopped now you're flying cheapest and no it wasn't necessarily the flying that got you there but regardless that isn't what this up anyway because the balance was 6 ,813 sorry 6 ,471 it has gone up by 600 so you scaled back the flying woo no more post uh flying clarity on your seat purchase great i'm thrilled you're still spending increasing it by 600 so yeah that's uh doordash things like that oh for sake why Why?

46:59So I work from home. What is Twitch inter? Oh, so that's Twitch. That's like streaming. Is that you donating? No, I'm like subbed to a few creators. It's just good for relationships, things like that. Yeah, but it's like every – you have one, two, three, four, five, six, seven. And by the way, by the way, little reminder on those seven. Reminder, your balance is going up. You're not paying them down, and you're accruing interest on these, and they're f***ing your life, and you don't have anything in investments, and you're going to die in poverty. I hope I don't die in poverty. Don't be terrible.

47:27on this track because you could make dude there are people that make over six figures all you all their life and guess what they still die with absolutely insecure in retirement because they just blow their money every year they live the high life especially if you go to miami i really see you blowing the high life constantly gonna love it there yeah you're gonna love it and then you won't be able to retire again so that's not a over exaggeration it's simplifying your life down really quickly but that's not an over exaggeration where you couldn't be so why is paying those twitch It's really worth it over that.

47:58Now you're saying it for the relationships. I'll let you talk in a second. You're saying it for your relationships. I can justify that. But then the money that comes in from those relationships, pay off the card instead of the card going up only. Yes. 100 % agree. But, however, hear me out. I pay off the other cards, right? So I have the Discover card and I think the Capital One card. Yes, but it doesn't matter. Why have all this if you're not paying off all cards? You shouldn't have any debt. You shouldn't be. That's your bet. You're not a credit card person. I know. It doesn't matter if you're paying off one debt, but you're leaving others.

48:29Yep. The thing is, I try to pay it off in chunks, right? You're not! I know, but I pay it off, and then it gets more. It's back. It comes back. So there's no point in paying it off in chunks. You really just decided to bubble up all the months you would have paid for it, and then you put it towards it, and then you just spend it up again. So you're really changing nothing. Yeah. It's kind of like a wheel. Yeah, so I don't get what you're talking about. I don't get your logic here, man. It's not working. It's not good logic. So why follow the logic? Why continue to use logic if it's obviously not working?

48:57Because you knew coming in here that your logic was broken, right? That's the thing. I don't think it really is that broken. But it is. You have debt that is accruing interest. Is that not bad? That is bad. Then if that is continuing and never stopping and only getting worse, then how is the logic not broken? Please. How would it not be broken? Give me any logical reason how it would not be broken. I don't think I really can. It's kind of like the way I compartmentalize it. If you can't think of a reason why it's not broken, then that has to mean it's broken. Yes. Okay.

49:32So, change it, man. When something is not working in life, you change it. If your doctor talks to you and says you're going to have a heart attack if you don't change your life, you don't just continue down the logic if you can eat whatever the fuck you want and not move at all. You have to change it. yeah that's where the thing is though where it's just like right now like yeah the debt sucks and i want to get rid of it because like it would be nice to have an investment you don't want to get rid of it more than you want to do all this other stuff though or else you do it yeah that that seems to be the the major issue yeah yeah yeah yeah so what's gonna make you want to get out of debt more uh well first of all like because i don't think i think i really uh there are things Like I know I made fun of you for the, or, or, or, or, or, or, blah, blah, blah, blah.

50:20But there are some things of real world when you're younger. Sometimes there's a lot of hubris that comes with it. Sometimes there's a lot of just like, oh, these are consequences. There's no consequences. Yeah. I'll deal with it in the future. So there is some of that. And I think for you, it's like retirement's not on your mind because it's so far away. It doesn't matter. But you don't understand that retirement is now. So because you can get your retirement taken care of. Really? If you really wanted to, I'm not advising this because it means living no life in your 20s but you could set yourself up for complete success if you invested like 75 % of your money throughout your 20s you would never have to invest again and then you'd be able to retire easily that's the thing so I think maybe that stems from this so I have a friend I've worked with him on YouTube and he is I think on paper millionaire like he owns his own house he has I think $350 ,000 in stocks mostly between Tesla and Nvidia and things like that okay millionaire yep and like has like a full card payoff and for him like you know he lives life and he doesn't really work much like he just like sell stocks when he has to and then like he'll buy some stuff back um and i don't like that but yeah and and the thing is like you know he doesn't really like live life i'm sure he's happy but like i enjoy living i'm not saying get to that point but you're not even contributing one percent yeah i was just literally advising not to do this thing that i said you could do yeah i'm saying you're in a position where if you really wanted to you go crazy and then your retirement would be set up but i'm just using that example saying of how strong of a position you're in if you're just contributing 20 and how strong time is but if you just contribute 20 now you're gonna retire multi multi multi-millionaire so and that really doesn't take much life away from you also i feel like this was a pretty damn felix you have to sometimes spend more than you make or else you would not be honest credit card yeah i think i think i do um i know i didn't last month but potentially in august i did um where it's just run it all the way up and I just party.

52:10I can party. I can do whatever and I just put everything on the bar. Are you a big partier? No, not really. It's more like because Miami can get really expensive for that lifestyle. It's not partying like clubbing, but it's more like I like going to very high-end bars. I like high-end things. I have relatively high-end clothing. Everything is fun. That would be nice, right? No, but it's like the jewelry I buy, the clothes I buy. You don't need that. Young and Scrappy is okay. Onion Scrappy is okay, man. Set yourself up. I'm not saying don't live, but you don't need to live the$300 a year lifestyle on$120.

52:45Yeah, that is the issue, which is what I try to do. You know it so you would stop. But again, you know it, but you like it more than stopping. I do like it a lot. You're addicted to it, man. You got that. Yeah. And then there's Chick-fil-A and Apple Bill in here. Some Hibachi and another Apple Bill and other Apple. What are all these? You're like getting subscriptions or in-app purchases and then an Apple bill. Apple bill. What are all these more Apple bills? What are they? I think the Apple bills are me. No. So that's going to be maybe that is purchased with DoorDash. Things like that. And I do have like let's say.

53:23They are in the DoorDash price range. Yeah. I think that's what it's going to be. It's just through Apple. Apple Pay. Why would you do that? why would you allow yourself to lose an additional$152 in interest? So now we're up to$250 of interest in one month gone. You're paying$250 as a fee to be able to have access to these cards. That's what you're doing. So that you can sustain your bougie lifestyle. Yes. $1 ,345 in interest this year so far, meaning that to me i feel like this card will i mean it's a lot of money at 27.24 interest okay oh paypal credit do we really need paypal credit can be a good tool for quick financing things at zero percent but it doesn't matter because you are having interest being charged you're having fees being charged you're spent the minimum of payment 73 you paid more than that$245, but it doesn't matter because you spent$994 with a$30 fee and$4.50 of interest.

54:33And then the balance down with the PayPal credit, just, I don't understand why. So this is attached to your business or you. The Apple is, that's personal. Yeah, the Apple's personal. So you said you're prioritizing personal over the ink, but you're not. The Apple went up. PayPal credit went up. So that's a lie. You're bullshitting. $3 ,915.97 with a$73 minimum payment. Again, why run it up? Why run it up? Up. Oh, it's all for a factor. Oh, yeah. Which can be good. I like them. They're a good sponsor sometimes, and they're also a good, I eat their meals here for lunch. Well, guess what? I pay it with cash flow.

55:19You're putting it on debt, and that's when you don't use those kind of products. Yeah. So I was doing Factor for a while just because it was really convenient for my work is structured. $900 a Factor. Yeah. Dude, it's good.

55:36Good sponsor. But it's just insane because this is all added in debt. Yeah. I believe it's 0%. If you were cash flowing, it would be different. you know zero percent factor that's not the zero percent financing of stuff i like are usually things that are gonna add value to life this is just a little convenience it is it is a little convenience yeah why why put this on debts factor that's kind of like where i really only had like like the ability to put it on um was was the paypal um i don't think i could have put it on the apple card or any of the other cards um so that way i just kind of kept it there and then i would pay it off over time again barring for myself in the future why why do this to someone you were you have so much time man i don't understand why compound in the opposite direction because that's what you're doing man you're compounding downwards it's i hate to see it as someone that has such a potential for success i hate to see this compounding downwards and you're i don't know man it's all just it's all to fill like a hole man you're just like it's just to fill a hole in you oh the fee what was the fee guy what was the fee what was the fee for oh what was the fee oh yeah oh it's a complete fee oh you're not even paying your damn debt on time So what's the point?

57:09If you can't pay a debt on time, you are not qualified in any world to take out debt. Yeah. Again, that's just like the manual payment. I just prefer it. You prefer paying fees? No. Set it on auto and go. Guess what? I pay off all my cards manually too, but I have them on auto. If for some reason I'm the dumbest mother in the world and forget to pay it, which I never do. but if I did I wouldn't have a fee hit yeah I well I should do that's a safety net why not give yourself the extra safety tools yeah um I don't have a good answer to that no you don't so there is no good answer I should do that and that's by the way in addition to the door dash so you're factoring and then your door dash and what one flumps one's dinner yep the discover yes okay So these two cards, you're right.

58:04Pay it off, absolutely. But the money that you're spending on here is ridiculous. Because, listen, even if paid off, it depends on the kind of money we're spending. Your credit score is 640. It's not like complete dog. It's not great either. Not as where I would want it to be. No, and it's probably because your utilization is bad on so many of the cards. It really is. That's the main reason. We can bring up my Equifax if we want. Yeah, the late fee isn't going towards it because it's not considered a mispayment. But the kind of spending that you're doing on here, I don't understand why I add this.

58:36I'm not going to add this to your debt because it's not a debt. You're paying these off every month, right? Yes. Right? Because there's no interest charge. Okay. But listen, you got workspaces on here. You got Biohacker. You got your PayPal and out Venmo and or Venmo service and PayPal service. And then who goes Inventados and Amazon and Amazon texting court convention spanner, convention spanner. I am sports. IME Sports, Dragon's Lair Comics, Dragon Lair Comic, Dragon Lair Comic, Dragon Lair Comics, Hulu, Discord, OpenAI, ChatGBT, Frame.io, Venmo, Domino's. It's not even on a business card. You have these expenses that you could probably do with the business.

59:16And Amazon and Society Awards. Come on, guy. Those are free to people who actually earn them. So, yes. But if I work with clients to get a second one, so they get their free one. To work with a second one, I have to pay it. there's a replacement fee. Yeah, but if I work with them, I also earn it. You can get it with your team. So that's how I've done that. I know, I know. Which is why I've got a few. I'm sure. Do they have your name on it? No, they have my client's name. I would not. That's my client. That's not me. Yeah, yeah, okay. It'd be dumb if I had my name on it. It'd be like... That just won 280 for one?

59:50That was the gold one, yeah. Yay, yay, yay. The silver ones are I think 125. I get the pride behind it, but it's just like, man, you don't have the money. Oh. okay yeah so also on this card I also just bought a TV on this card as well is it still going to be paid off every month? probably yeah probably is not a yes so there is a chance that this card will accrue interest this card will get paid off because this is only the$2600 balance no matter how much I make this card just gets eradicated every month what if you have a bad month for commissions what if the business you work for loses a client like the one time you lost a client and then you couldn't pay your damn bills because now you're accruing bills from things you already purchased.

1:00:33I'll cross that bridge when I get there. That hasn't happened yet. I don't think it would just because of like where I'm at in the business and what I bring to the business. And also like clients churn every three to six months. Can you pull up your account on that? Let me see. Are you doing dumb stuff on there? Let's chat about your savings for a second. If you're letting them just sit in a regular account, especially one with a low interest rate, you're missing out. It's time to talk about CDs or certificates of deposits. and I've partnered with money.com to make finding the perfect fit for you as easy as it can be.

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1:01:35Finding a CD that fits your savings timeline and goals is important and only a few clicks away. Trust me, your future self will thank you. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners. We got Grammarly on here and Amazon and Amazon and Amazon and Venmo and Amazon. What do you eat on Amazon? And Substack and DoorDash. You have everything possible. DoorDash, Buffalo Wild Wings, Crunchyroll. Oh, my gosh. HBO Max, Frame.io. You already paid for that. Oh, my gosh. $111 for that. That is being covered by the business now. The Frame.io is being covered by the business now.

1:02:08Good. DoorDash, that's a review video, right? Yes. DoorDash, Amazon, Amazon, Amazon, Amazon, Amazon. DoorDash, DoorDash. Another subscription. Amazon, Amazon. I'm going to want to take a look at your Amazon, too, because these are all ridiculous. Do you want to bring up my Amazon account or my Discover account? Discover first and then DoorDash and then DoorDash McDonald's. You DoorDash CVS and then you DoorDash McDonald's. Mind you again, it's listen. You pay this off, that's good. But the category that a lot of purchases are the, some of these are in work. And some of these are in bullshit. And the bullshit could be paying off the Apple Card quicker.

1:02:40So even if it's not a card that is being paid off, that money that you are being forced to pay off could be going to something else. Meaning it is still dumb. Yes. Let me see. There you go. What kind of fun is this? It's a nothing phone. I'd say so. Okay. Uber. Mortis cord. How? Contra? Yeah. So Contra is a payment service for people I work with. So you still do pay people? Yes. Henley's Gentleman. Got a haircut for the show. I was looking really disheveled. Okay. Audible. Yeah. It's a lot of the same purchases. Tinder. Paying for Tinder. That was when I was on vacation in Miami. Did not work.

1:03:26You were trying to f*** her? Yeah. Went in Rome. Yeah, but go out. Yeah, but I don't like going out very often. Occasionally. Okay, pull up your Amazon. Ooh, I'm going to get my sh** rocked for this. Okay, because that was like half the purchases on here, guy. So why do that to yourself? I don't really get it. Have you had interest charges just so far on this card? Let's see. you have had interest this year so far meaning you probably were late on a payment once not late on a payment but late on making the full payment hey you hear me yes so you can't have access to this credit card because you negate all your points instantly when you have interest charged even once wait okay was the TV purchased on the card but through Amazon you purchased the TV through Amazon got it so that's what that is okay some shampoo I think maybe toothpaste toothbrush brush screen protector fine lots of ramen yeah you got a poop cleaner and more ramen yep lots of ramen xbox controller probably don't need it but you did get it refunded did you get covid did you have covid yes uh well i was i was super sick so that's when i had the flu uh and i wanted to make sure it wasn't covid it was not some ceramic shaving bowl yeah i just didn't even know people use that i didn't know we were in the 1800s more xbox controllers oh i do believe that coffee table was the first coffee table i purchased when i moved down here hey we have good taste yeah it looks just like it no no no i wouldn't get something like that no no no it's like the it's like the fake yeah it's that fake i had like a real nice wood thing you got like the fake rustic looking wood i hate that look i don't know why people like that look it looks so bad it's just what's available yeah that's fine probably not 100 necessary when we can't afford to pay off our other debt i don't think i don't think we wrote furniture downstairs yeah a coffee table that's the critical piece of furniture we got a couch okay listen cool that's awesome doesn't mean you need a coffee table when you are losing 250 dollars in interest in a single month off of your two other credit cards okay yeah and again there was interest this year so far here's another card that you pay off right but still 745 dollars of purchases i can add it to the debt because you are paying it off but ebay ebay ebay ebay uber eats and amazon and amazon what are all these well first of all uber eats stupid what are all these ebay 86 hours 26 hours 47 hours 23 dollars so we're building up the downstairs so who's weird me and my roommate my me and my room but you have to leave soon we didn't know that at the time uh we found out this month on the first so yeah that kind of f***ed a bit or not on the first on the fifth so it wasn't them it was the landlord yeah it was the landlord so they're selling the house I might have heard that wrong no interest charge in this year for this card let's go yeah you did one card correct but again do all the eBay furniture things make sense and the Uber things and the Amazon things make sense when we have cards that are occurring$250 a month in interest I don't think so they do not return that kind of value those things that you're purchasing in fact they only go down in value especially the food because it's gone but it's tasty though 28 okay okay is that all your dad oh i have a firm um hi i'm here to pick up my son milo there's no milo here who picked up my son from school streaming only on pico i'm gonna need the name of everyone that could have a connection You don't understand.

1:07:05It was just the five of us. So this was all planned. What are you going to do? I will do whatever it takes to get my son back. I honestly didn't see this coming. These nice people killing each other. All her fault. A new series streaming now only on Peacock. And for why and what? Okay, so I have 1 ,800 right now on Infirm, which is down from 43 a year ago. So I bought a brand new computer. I needed a new computer. my other computer like self essentially um what computer what'd you get so it's a 4090 ti it is a okay so this is a tower yes name the specs okay so it's a 4090 ti it's 64 gigs you did not need a 4090 need you did not you could have gone with the 4080 so i stream and i also use it for remote rendering yep you did not need it yes i did uh for what i was specifically doing like streaming and the video encoding I do.

1:08:01It saves me so much time. Yes, there is a little bit of time on there, but you did not need, the word need, as in critical, you could have spent an extra 15 minutes on the rendering. I know for a fact we have all the different GPUs here. I know you could have done it. We've played with them all. Okay? You could have saved a little bit of money there. Okay, go ahead. Continue. Then it is a 7900X, 7 ,950X, something like that. It was a top-end AMD processor at the time. Sounds like you went full top, tippity top. Yeah, I maxed out everything. Great. How much RAM? 64 gigs of DDR5. You didn't max out everything.

1:08:36I could have had 128, yes, but I only needed 32, but I got 64 for Adobe applications because they're pretty RAM-hungry. And Chrome tabs. Amazon purchases continuing the checking account. Oh, wait, what's the minimum monthly payment on the Affirm? The minimum monthly payment on the Affirm is, I think at this point, 220. It's 173, and then I have one last thing that's going to get paid off this month. So it'll be 173 flat after that. And then what, okay, what will the balance be after that? After that, it'll be zero. I mean, after I pay off this last thing. Well, I have two things. No, you said 173.

1:09:09Yeah. Okay. Yeah. What will your balance be with that minimum of the payment? Oh, it'll be 1650, I think, roughly. Okay, 1650. So we'll put that as your balance. Okay. And the checking account, right? Because you don't have any other debt. Right? That's correct, yeah. You have a thousand bucks in here, which is insanely low for someone who makes as much as you. It's stupid. I know. That's like the biggest pain point. It's another thing he knows, but he doesn't actually work on. Biggest payment. I'll have the money transferred into my account. We already know the bullshit you spent your money on was probably about a thousand bucks at a minimum.

1:09:41Like generous. Thousand. What's going on with the unknown spending? We had. I don't know. I'm guessing. Oh, well. It's$1 ,500. What the? Yes. That's bad. So you spent about$2 ,500 on guaranteed bulls. Yep. Guaranteed. You could have, if you didn't do that,$3 ,500 in this checking account then. Again, this is all a choice and you are doing it to yourself. Amazon. A return fee? You had a return fee because what? Okay. So that, I do know what happened there. So I, do you use Wise? Do you know what Wise is? I've heard of it. It's basically like PayPal, but not Dog. Okay. Best way to describe it. Yeah, you used PayPal.

1:10:27Okay. That's the legacy thing I had for a while. But yeah, so I get paid through Wise and then I have to transfer Wise to my bank account. And when I transferred the Wise money to my bank account, you have to like put the exact amount in. And I didn't calculate like the amount that I would need for like the fee. So I put more in by like a dollar. Come on, dude. So yeah. Amazon, PayPal. There's the fee. Uber trip, Uber trip, DoorDash and Sonic. Oh my gosh. This one's so good. Oh, this is where all the food spending is that we haven't get through. I was going to say that number surprised me because I didn't feel like we went through it all.

1:11:00But that makes sense. DoorDashing 7-Eleven. PayPal and out. Cash App and out. $143 for PLFUI.

1:11:15143? That's it. Some terminal fixing. DoorDashing 7-Eleven. What are you kidding? Mostly energy drinks. guy go to the grocery store and buy a bulk you dumb little door dashing sonic why don't you get food sonic is like literal bottom of the bottom of the barrel i totally it's so good i love sonic i recently got it i recently got it i felt like ill because you gotta get my order my order's what's your order so i get i believe it's like the blast they call it i think or something like that i it's like vanilla ice cream but then i get like cookie dough reese's oreo crush and then i get the Coney Island dog and then I get a corn dog.

1:11:54Okay, I had the dog. It was... The hot dog's not great. It depends. It depends on the location. I think I had the corn dog too and I don't remember being good. I do like their ice cream's fine, but there's so many better places like Andy's Frosting Custard. Okay, DoorDash 7-Eleven, PayPal-ing Pay-ing, DoorDash and McDonald's and DoorDash and Little Caesars and DoorDash and 7-Eleven and DoorDash and Sonic and DoorDash and McDonald's. We're on a repeat here. This is just an endless cycle. Uber trip, Uber trip, Uber trip. Why do you not drive? You hate driving? Do you have a car? I do not have a car.

1:12:23Okay, yeah. Do you want a car? Not. You're going to be moving, so we don't know what your life will be like. Not particularly. And then if I move to Miami, relatively walkable city, like third or fourth most walkable. It really depends where you live. I would be living. If you live in the heart, yes. Yeah, I'd be living in Overtown. I was going to say, because it is endless suburbs as well where you need a car. Yes, it is endless suburbs, but I'd be living in downtown in an area called Overtown, and they have the Miami Metro mover, and it's mostly walkable. Okay. PayPal out, PayPal out. A lot of money,$1 ,200 there.

1:12:52PayPal is$63. More Uber, Uber, Uber, Uber. Cash mapping out$325. Where is that going? So much money. That's bills. And the PayPals? Depending on what the transaction for PayPal was, it's either PayPal credit, or if it's a direct PayPal transfer fee, it's likely me paying my partner for the YouTube channel we run. DoorDash and Out, or sorry, DoorDash and Whataburger, Uber, Uber, door dash mcdonald's door dash check in the box you only get fast food door dash cvs door what are you getting cvs is that more energy drinks um no that's probably when i'm sick um like that's like you get sick like every day you don't go outside i don't go i mean i'm paid look at that i look like i know yes um yeah no so i don't go out very often um and i have like you kind of get sick constantly yeah kind of a weak immune system probably because you don't door dash and spice door dash and sonic door dash and chick-fil-a door dash and mcdonald's what is YouTube me?

1:13:52Oh, that is membership. Is it short for membership? Maybe. Oh, it might be. That might be a YouTube membership. Yeah, we have a membership. Tens of thousands of hours of content back there. Really good stuff. Highly recommend checking it out, but you have debt. So it doesn't make sense for you to have it. Microsoft, PayPal, PayPal, cash app, Uber, Uber. And then, yeah, your return fees. That was kind of crazy. That was a one time return fee, I think. Yeah, it was one time, but it still happened. Yeah. It's ridiculous. Your debt could be paid off so simple. I bet your budget is going to be so chill.

1:14:25I bet it's going to be so chill. I hope so. We lived the opposite lives. Now, for what it's worth, you ended up making six figures before I ever did, but I ended up getting into sales, and I did really well there, and I ended up making six figures. But we did the opposite. You're just going to live the high life, and I went and paid off all my debt instead. I feel like I turned out in a better position financially. Even without this business. You're definitely better positioned financially. I had a quarter million dollar net worth after four years of doing that because I was properly investing, taking advantage of time and making smart choices instead of accumulating lots of debt before I ever started this channel.

1:15:06What do you do? You don't do anything. Everything here is door dashing. That's the more fun. When I travel, I do travel a lot. In July, I had a trip in Miami. I had a trip in New York in March I just went to Miami recently I don't think you can afford these man not anymore just temporarily you can afford them just budget them budget them properly I feel like I could get you out of debt in like 5 minutes your income is so strong I know it would be sick you can do it okay so that pisses me off because I feel like you're going to prioritize going on more trips and DoorDash and all that stuff over actually getting out of debt.

1:15:51I'd like to really... Are you coming on just because it's a YouTube channel? No. Since you're in the space and you like that? No. But I would really like to pay down the debt because I'd like to get serious about living my life and this is really kind of holding me back. So with the low credit score, it's going to be hard to apply to certain apartments that I would really like. And with my income, if I had no debt, it would be not difficult for me to afford that. I could budget it. What on average hits your account on a monthly basis for your pay? Across everything commissions and pay? Hits your account.

1:16:18Yeah,$10 ,000. We'll do$10 ,000. That's incredible. That's delicious. I love it. It could be more as well. Post taxes. Again, are you a contractor? Are you supposed to be setting money aside for taxes? Yes, I should. Have you paid taxes? I have paid taxes. Oh, thank you. Yeah, I have paid taxes. No bingo this episode, guys. Okay, so you're setting$3 ,000 aside, so we're going to live off of$7 ,000. Okay, there we go. Cool? Yep. Okay. Because you have to take care of your social security taxes, self-employment taxes, all this stuff. Okay. So your debt payments. There's some thick, chunky minimum monthly payments.

1:16:57$447 plus$283.96 plus$73. Okay. Yeah. Why already take such a substantial portion of your income away from minimum monthly payments? It's so stupid. And then you're still adding money to those credit cards. It makes no sense when you can afford it. Because even in this last month, when you were spending money on those credit cards, you made more than you spent. So it's extra, extra dumb. It's dumber than the people that are spending more than they actually make. $803.96 for your monthly payments. What's your rent? And when does that end again? January 31st. Okay, what's your rent? So my rent is$500 flat.

1:17:31And utilities? That's going to be variable, but let's say$325. Does that include the internet? Yeah, that does include internet. Do you have renter's insurance? I do have renter's insurance. Is that included in that? Yes. No, that's separate. That's$21 a month. Cool. Gas, room, room, drive, drive. You don't, but you Uber. Could we get away with 150 bucks a month in Uber? Yes or less. Probably 100. Okay, we'll do that then. Some months are different. Like, for example, that one. What do you grocery shop? I didn't see any grocery shopping. No, but there is an HB literally right up my road. Like, it's a five.

1:18:01I could walk there. There's a sidewalk there. I do. Good. Do that. 300 hours for all our meal plan. That's for your necessary food. Follow our meal plan. Tweak it to your needs. You're going to meal prep a couple times a month just while you get out of this. A couple times a week. TP, fun. anything else you need to survive,$100 a month. How much would you say is required to fund your business across all these extra things? Pretending you cut back, well, pretending you should, cut back on some things that you really don't need. Give me just a rough guess. You'll budget this out later. Let's say$250.

1:18:28Okay. Going to do$250. And luckily, yes, with some end-of-year taxes, some things will still work out. Anything medical, health care? Yeah, I have insurance. That's$267 a month. And then are there co-pays or anything on a monthly basis? Medications, anything? Oh, yes. How much? Adderall,$20 a month. Okay, that makes sense. Phone bill? Phone bill is going to be$110 a month. Do you owe money on your phone? International phone. That thing I was holding? International phone. International? Yeah, so I'm going to say get helium. We like helium. It's$15 a month for T-Mobile Towers. International, though.

1:19:06Yeah, I have clients in every country. So$115, you said? $110. $110. what else needs to be in your budget? Do you have any pets? I have no pets. Besides my roommates. They may as well be pets. You're not funding them. So what, what else needs to be in your budget that I have not taken account for? Um, anything else at all? And I know your rent situation is going to change, but let's see what it looks like for a few months for three months. I think that's it. Just a little child. $2 ,796.96 so a simple thing in the world you have an extra$4 ,203 on a monthly basis okay this month you pay off PayPal, it's gone next month you pay off Chase included in that because there's a little left on PayPal throughout those situations you should also be able to pay off a firm then it's January maybe instead of paying off the Apple set some money aside for security deposits and set everything your credit score will have gone up because you decrease your overall utilization of credit because you're paying off some of that stuff helping you to get an apartment wonderful if you move somewhere you're going to put the security deposit down maybe first month's rent you're going to utilize this 4 ,200 then let's say because of rent you're going to go up to about 1 ,500 okay cool so you have 3 ,200 dollars left so you pay off your apple card in two and a half months so after that month of saving and the two months two and a half five and a half months you're debt free it's simple get a fully funded emergency fund what you need to survive which at that point will be about 3 800 wheel call potentially actually without your debt never mind that's a lie three thousand dollars a month with your new rent all that good stuff times six uh eighteen thousand dollars with your extra money you have left over of the three thousand dollars just about should be able to save that up in about six months and under your debt free you have a fully funded emergency fund this is the most basic dumb easiest solution in the world it's just you not being a child pretending like you make 300 000 hours a year and then just literally 50 of your needs which will be a ton of money spend 50 of your needs 30 on wants which will be a ton of money then 20 on investing and like i showed you'll be a multi multi multi millionaire there's no more to say because this is the dumbest thing in the world you could do this tomorrow but you chose not to there's no reason for you to be in this situation it's stupid it's dumb don't do it some months you're going to make more throw that accelerate this process what the spending a budget technically you spent under but you're still putting things on the credit cards and not paying them off wholly and money was going to bad things so i'm still going to call it a three out of ten being generous there debt for your income situation with where you are in life it's not the worst of the worst of the worst we just showed you can pay it off relatively quickly but it's still pretty bad that you are accruing interest on many things i'm going to give you a three out of ten it's the most generous i can be there emergency fund no savings zero ten retirement no savings zero ten uh, emergency funds, you're out of 10.

1:22:04That's going to be a hammer financial score, a 1.5 out of 10 guys. We're going to try this girl, try to call his girlfriend in the post show. There's actually something else that we need to bring up in the post show as well. I just realized that the producers are texting me right now. So make sure to join the YouTube membership below hammer pro hammer elite hammer VIP. We have a ton of extra shows where you can even call in and talk to me. It's really cool. Make sure to join that and make sure to check out our investing bundling and the budgeting course all bundled for 25 % off right now. See you guys in the post show.

1:22:34I have an ex-girlfriend that so much stupid money was spent. How much? $10 ,000 in 10 days. How do you spend$10 ,000 in 10 days to fly a woman to New York? That is insane. Call this woman. Call this woman. I need to call her. I'll see if I can call her and give her a call. This is right. To watch the financial audit post show, click the join button below. All right, guys, I get it. You need more financial audit. So we've decided now in our membership below, you get two exclusive, see nowhere else, uncensored financial audits every month. Again,$384 came in from your job. How much do you think you spent?

1:23:13How much did I make? $384. You don't think you overspent? Oh, I probably, I guess I did. Yeah. Seven, maybe. I don't know. Also, three post shows a week for every financial audit you're seeing right here on YouTube. In the post show, we have an extra 20 minutes for every single episode where we go into more drama. We can't find you on Facebook. Did you block me on Facebook? No. No way. You can join Hammer Pro where you get every financial audit post show for every episode. Priority replies to comments, custom loyalty badges, and special channel emojis for the comment section. And then there's Hammer Elite if you're wanting more.

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1:23:56A member stream every single Tuesday with myself and the crew. He could break up with her today. He's already decided to five weeks ago. He could break up with her today. Why is he not? Because her birthday is coming up. When, though? Two weeks. Two weeks. Thanksgiving's after that. Oh, a couple weeks after her birthday. Then Christmas is only a couple weeks. Then New Year's and then MLK Day. But wonderful human. Guys, she's just not good. Wonderful, wonderful human. I do love her. She is a wonderful person. I like her. No, she's a great person. Here's the thing. Great person. It's just she's a good person.

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