He's My Arch-Nemesis | Financial Audit

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0:30Logan. I am 21 years old. I'm from Beaumont, Texas, and this is Financial Audit. Thanks for coming over from Beaumont. What do you do there for a living? Well, now I'm technically unemployed, I guess. I was working at a car dealership. I was selling cars. When did you become unemployed? People love it when unemployed people come on the show. I know. Okay. Well, I'm sorry that you're unemployed. Was this a... Were you intentionally unemployed or yes i i did quit my job okay why because that's you people are gonna say oh you're not relatable but you quit i know i quit this is people are doing this all the time but it's really because like car sales is rough like okay i i had to do some kind of shady stuff just to like make quotas what you're sucking for cars well what are you talking about you know okay but but really i was like i wasn't making a whole lot of money like i know that sounds then you must have sucked at sales pretty i mean i would sell in between like 10 to 12 cars a month and then it just kind of dried up once i went on vacation that one time and it just well yeah you usually don't sell cars when you're on vacation yeah then my mindset was just like in vacation mode all the time and i was just like what's vacation mode i just wasn't ready to work I mean I wasn't ready just to go and like grind and grind I just went a week in Hawaii I was like heck yeah let's enjoy Hawaii So for f*** sake man Okay And I get why some people are upset every once in a while It's just like what can we do to pay off your debt now Like what What is your situation Like are you making money Yes I am kind of doing odd jobs here and there And I have been applying for some jobs Well why didn't you get have a job lined up before you left it mental health honestly 100 of it was mental health and what i was working 70 hours a week okay request less i did it sells you got to be there to sell cars and if you're not there you're not selling cars okay so where was the mental health then what did it look like mental health was i was waking up every day at 6 30 in the morning going into work and I was getting home at eight o 'clock at night.

2:48I had no social life at all. I had no me time. Uh, it was honestly kind of driving a little bit of a stake between me and my girlfriend because we were never seeing each other. I'd come home, eat dinner, talk about my day and complain. And she, so it sounds like you were more just very unhappy. I was extremely unhappy at that job, but this wasn't like a clinically diagnosed mental health. It was not. So you just, you, you hated your job yeah i mean which i totally vibe with okay you hate your job but then we're applying for jobs like it's crazy and then you don't end your end up putting yourself in a bad situation where apparently you're addicted to going on vacation and you continue to do that without making any money racking up debt and having to work out jobs just to pay things off and now i don't have a job did you have to fully phone an emergency phone before you left no so what are we doing then i used it all man i was i was okay what were you using it for i'm paying bills i mean honestly i was i had i had a new wait before you left yeah before i left it because i wasn't making money you had a new car of course a card salesman had a new car yeah i mean that that was well you weren't making car sales that was kind of their gimmick was like hey man you should get a new job competition of who has the highest interest rate who has pretty much i actually i leased it so so you still have it i do i do it is wait did someone talk you into this at the shop or did you get it yourself it was uh i say a mutual agreement but it was it was yeah mutual agreement we'll go with that we'll go with that somebody said hey uh you should you should get a new car because i was driving a uh 2011 honda accord it was a great car i miss it every single day now but she was like hey your car is kind of a piece of i was just brought aware i was just i was talking i was i was chit-chatting with the producers over here and i was like hey why do we have someone who's unemployed we're not doing that anymore people hate when people are unemployed you quit your job after applying to be on the show so you were employed when you applied so this is moving quick when did you when did you leave probably two days after applied it was just when was that i don't know your application date oh maybe three weeks ago maybe but if you want to apply calebair.com apply don't leave your job before coming on though i would 100 what are you trying to be a cheeky little you think this is going to land you a job somewhere No, people are going to hate that.

5:05I'm going to hate that. I'm not going to let you sit there. You're going to be a little. OK. Calm down and take this seriously. So. So now, I mean, after I got the car and everything, it was a Kia EV6. They said they gave me a great, great rate on it. They gave me tons of discounts and everything. Not too long ago, probably about two months ago, I went in and I looked at really what all discounts they did and they like car salesmen got car sold sold were the top car salesman selling if you were in that 10 to 15 were you doing well when you were in the 10 to 15 range a month before you came back on vacation mode i was doing probably four to six a month okay it was commission well was there a base pay no base no they had a draw it was fifteen hundred and if you don't cover your draw yeah so like the legal minimum okay um yeah okay what were the top guys doing 20 to 22 and well the reason why i got into it is because in my interview they were like hey our top guys are making 300 grand a year and i was like oh hell yeah like that sounds awesome you think you would go in and become a top guy immediately I mean, it shows how good you could be if you become a top guy.

6:31But if they tell you what a top guy is, do you think everyone sitting there is a top guy? The way that they made it seem is that they were like, hey, everybody who works here is over six figures in their first year. I know you don't have any experience doing this, but we should definitely get started. You came with your friend. Is he a car dealer? No, he's not. Looks like a car dealer. He does kind of look like a car dealer. i just took a picture of him we'll throw it in episode if he allows us to looks like a car dealer to me well he looked very happy there because he gave a thumbs up but he looks like a car dealer sitting there okay so what are you doing with these jobs right now these little side jobs what are you actually making because we need to have some kind of income for this to be a relevant conversation i i've been doing like favor here and there okay it's grocery delivery in texas grocery delivery uh i've been working odd jobs for friends and family well what is that Is it just fixing things?

7:23Fixing things. I'm mowing lawns. So what are we making? That's not even close to sustainable. What are you making? I'm making probably like maybe$400 to$500 a week. Maybe. Like if I like try. Are you trying? Yeah. I mean, I'm out there, man. Okay. So you're making$500 a week then? Yeah. You said if I try. Are you trying? Yeah. I mean, I had to, you know. Are you paying bills? or are you relying on the girlfriend? I'm not relying completely on girlfriend, but she is helping me out in this situation a lot. She understands where I'm coming from. Where are you coming from? You're not doing anything.

8:01Well, yeah, I'm trying. I'm trying to sit here and I've applied for a few restaurant jobs down there. Oh, a few restaurant jobs. Yeah, yeah. I mean, there's a new sushi place that opened up. I love sushi. So I was like, yeah, I can't. Relying on a few restaurant job applications is not what gets us somewhere. Also, wait, but you're going to make less. What do you mean? how am I going to make less if I go and do a restaurant job? Yeah, likely. Then what you're making, your last payroll that hit was$4 ,675 for the month. You're probably going to make less than that. You're going to be making, what, are you going to be a server?

8:34Tip minimum wage plus tips, hopefully? Probably. Okay, so you're still probably going to make less than that, depending, who knows what kind of restaurant it is. You're probably not going to get into one of those top restaurants where you're actually making a killing right away. I would hope we're trying to move at least laterally in the income scale, maybe a brief dip while we try to move laterally while applying to other jobs that 4500 or so is not consistent at all that was yeah welcome to sales that was one month i sold 12 cars and hours at restaurants are consistent hours at restaurants are consistent aren't consistent it depends it depends if they start seeing you slacking or anything all of a sudden you notice wait i have five hours less this week wait why do i have two hours less this week what what's happening quiet fire something i just need something that is paying the bills at this point are you paying the bills that's i've put most of everything on credit cards i mean that's where i've gotten this amount from is hey i gotta pay for stuff somehow i gotta put it on credit cards what's your plan here man what was your plan to figure out how i can just get no no no no no no No, no, no, no, no, no, no, no, no, no, no, no.

9:41What was your plan when you quit? What was the plan? I didn't think. I'm going to be completely honest with that. Oh, come on. You had to have a semblance. A semblance. I thought, you know, maybe the next week I'd wake up one day, go put a couple of job applications in. You know, I mean, that's usually how it works, right? Like, I go put in a couple of job applications and. That was it? Yeah, I mean, that's how I got my jobs before, right? I just go put a couple in. I'm cool, you know. Why don't, are you lazy? I'm not lazy. You seem like someone just has nothing together You couldn't even do a plan You had concepts of a plan That was pretty much it Concepts, you know, dreams I had dreams, you know What are you?

10:23What am I? I don't know I want to be a world traveler, that's what I want to be What are we doing right now? What am I even supposed to do with that? You know that's not a thing It's a thing for a very, very, very very small percentage of people that are like bloggers or vloggers or maybe i can get into that i mean start what can you please tell me is that a serious sentence or are you saying that because there's a camera pointed at you that's an actual serious sentence that you were traveling well no but you said that's what i think i could actually do you think you could actually do that yeah why not seems why not because it's probably a 0.001 chance of doing it yes there's a chance it's insanely small.

11:07Do we bet our future on that without having a consistent income that we're at least relying on while we're trying to achieve that? I've got time, right? Time? You're dead! Why'd you apply to come on this show? I need to know this right now. What the f*** is happening? What am I sitting in front of right now? The Pillsbury Doe F***? I love that Panda Express, man. What can I say? at least i wear shirts that fit me even though i'm fatter yeah it's all right it happens okay what so what what what why'd you apply why'd you actually apply because you don't seem like a serious person at all and by the way these are people that are out there actually existing in the world so person you're walking on in your evening walk that you pass by just like this welcome to my insanity why are you here i'm i'm here you know so i can get a plan together i can i can start no no no no so you can travel more plan together i can get a plan together with your delusion where you think that what you want to do is just immediately go into world traveling and you're applying to a couple restaurant jobs i can't make a plan from that i can't do anything from that i can go through debt i can make up a make uh made up budget based on what i hope your income is that's nothing let you do it for not doing i've got somewhat incomes here and there what i said about 450 a week or so i mean that can pay most of my bills there and what's your monthly bills i know rents like over a thousand i got your portion or total total so just so you guys split it do you live together we do okay so 500 about 500 okay and then i've got about it's 5 30 a month what was your spending last month spending last month yeah what was it i don't know 2 000 maybe okay 4 279 so what the are you talking about what are you on you're not living on the planet that we're living on i'm sure most of that was necessities all right i mean are you actually stupid no most of it was no no no are you again are you saying that because there's a camera pointed at you or are you dumb i don't know you know that's not how this show works yeah but i don't want to be a but 792 dollars well what are you what are you doing getting do you have insane dietary restrictions snacks i do like snacks we we do a lot of charcuterie boards okay is this just how you talk is this is how you present yourself is this how it just presents himself in the world i got a thumbs up you what you're a creature i'm sorry i'm being extra mean but your presence is upsetting the girlfriend ever tell you that i mean you spent 356 dollars going out to eat 454 dollars in miscellaneous bs the transportation about a

14:13oh gosh your car insurance whoa what the car insurance is 614 dollars evs are expensive to insure i have an ev it's not even close to that uh young driver state farm state farm is high that's also including a life insurance policy that my agent said if your car insurance and car payment is more than half of your current take home you're applying to every job that exists in the entire town of beaumont it's not a couple restaurant jobs it is literally every job that exists in beaumont including being a corner walker for you to you need anything okay not actually that last one to be very clear don't do that well i was thinking about going back to school as well like going and get a certification I know that certifications are really big right now so I was thinking about going back there getting maybe a certification like drafting or something you might need to talk closer to them like you're very quiet I do apologize your delusion is soft okay yeah just certification certification yeah and drafting and drafting like computer drafting like CAD okay yeah if Course Careers has one of those we'll give it to you okay I'm not sure about that one specifically that's a tech stuff and they're going into the trades as well um okay all right i'm gonna get into the this money but it's just i'm just a little disappointed man i don't know this just sounds like i get that some people say it's not relatable but talk to your brother-in-law at thanksgiving man let's see who it is i'm sorry and i'm sorry i need to not be so mean to you what people just out there don't realize this just just it's not the camera's time for lights are just talking and but you're just like i don't know you just seem like a unreal entity uh so far and i just need to trust your realness and um accept it and just go with it i'm sorry this is it's a little weird for me What does the future hold for business?

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17:47And thanks to them for sponsoring today's episode. Now, let's get back into it. Okay, what would you think your finance score is? 10 being the absolute best you could ever get, zero being the absolute worst? I'd probably give myself like a three, like a three, solid three. Okay. Mind you, just your car payment and car assurances, over 50 % of your pay. I got investments though So watch your Hammer financial score Link in the description below Do you? How much? About 5600 Oh, okay I try to max out my Roth IRA So you're trying to say that as your score Yeah, maybe For 21, that's not It's not a bad start Not by any means Let's start this Apple card I hate that card How do you have it?

18:40Because it was a metal card he's a metal card and i wanted a metal card oh my gosh you really are a creature i mean i have to judge that i'm sorry i'm not usually i sit here and just react to the finances instead of judging the person but how do i not judge that that's crazy you're gonna buy this pen because it's metal there you go why don't you go into debt for this oh sorry kind of i don't know my emotions are weird right now my dog's also going into surgery as we're speaking so i am actually a little weird um okay it's okay she just can't stop eating and then it gets a blockage now it happened last year too and we were with the money guy it's annoying okay and expensive dog insurance okay okay okay okay so just because you had a wanted a metal car that's fine that's fine okay cool but why'd you go into debt for it it's easier to tap whenever i tap i don't really think i'm spending all money because it's just like a take my phone out and tap kind of thing do you get that way too?

19:42every card is easy to tap no but it's on your phone so you don't have to pull out your wallet well you can put every card in your wallet your digital wallet no you can't no you can't I thought it was just like the Apple products that's interesting no no

20:06oh man can you even delete apple wallet from your phone i don't think so i just can't you have you just can't have credit cards because it taps easy this is why we're in debt because it taps easy at that point we can't have credit cards to save our life we can't use other people's money to save our life we can't have any loans to save our life we can't do anything you're not capable if if because you're just like that's what gets you going like that's if if that is why we're in debt because then like they made things so easy just to spend money these days like just oh yeah just tap twice and you're fine what is it what do i not like about him is it because he's like mono like he's like flat it's just something seems like an uh something about you and i don't want to me being just maybe because you're flat it almost feels like nothing matters to you but maybe it does maybe it's how you present yourself but is anyone seeing what i'm seeing like are you seeing what i'm I need to know right now.

21:05What is happening? Sorry. Sorry. I'll try to make that the last time I bring it up. It keeps me. They make it really easy. And that's just like, what? Like, okay. Yeah. I mean, they do. Like, it's so easy. It's like an ad pops up. Hey, buy this now. Just click twice. Why listen to the ad? Probably the same reason why I ended up buying a car. I think I'm gullible. just kind of marketing works really well on me you think you're gullible yeah okay so you recognize the flaw why not work on the flaw like a adult like a relatively mature individual i probably should grow up a little bit shouldn't i like just a little bit oh you okay yeah

21:58$25 minimum payment $477.38 balance Oh, it's all just You're spending on this card Why? Macalester's Crumble? Are you kidding me? Inaption Probably a little click click Apple Pay Wendy's Why is this getting hair? Wendy's Cafe another Apple thing click click Panda Express going in getting some BS getting a vending machine fantastic Chipotle going in getting some BS Subway Apple Bill going in and getting some BS going in and getting some BS Chapman Enterprises what's that? oh that has to be like a little vending machine or something you get it twice and it's the same price it's a vending machine at work or at my old job Crumble Maybe I should put it in a vending machine So you guys have to pay for the drinks And I get to make money No I wouldn't do that But maybe Eagle on the way What is that Did you Amazon a bald eagle to you Eagle on the way I don't even remember that one Sounds like it's probably a place you stop at While driving and get some BS Because you then did it again At Cruising Market Starbucks store Chapman Enterprises is the little vending machine.

23:20You love your$2.35 something. What are you getting? A Dutch Pepper. Great. And then you also got vending machine there and vending machine there. Pop shelf? It's like a little dollar store thing that sells home goods. Do you have emotions? Yeah. Marshalls? You're not going to go dumber on us later, are you? Plan on it. Huh? Don't plan on it. That's a lot of work. Oh, my gosh. Weird. Okay. $512.08. Oh, that's your balance. 27 % interest rate. $11.81 of interest accruing. Maybe Patrick Bateman, not Dahmer. Much better. BJ's Wholesale Club makes holiday hosting so easy, we called in Thanksgiving's original host to talk about it.

24:13Pilgrim here. We could have used BJ's back in the day. Imagine stepping off a boat, then foraging for your first Thanksgiving. It's a whole new world now. BJ's brings Thanksgiving right to your door with free same-day delivery on your first order of$100 or more. We're talking turkey, squash, pies, all at prices so good they'll knock the buckle right off your hat. For terms, visit BJ's.com slash Thanksgiving and get the same great savings online as in Club. Blue cash. Preferred. I'd prefer if you weren't sitting in front of me. I do like that one because I get 6 % back at grocery stores. And we do eat it out a lot, like you said before, at groceries.

24:50Okay. We've established you're not like literally dumb, right? No. Are you clinically diagnosed dumb? No. 6 %? Who gives a f***? You're accruing$106 in interest. It's that much? Oh, my gosh. Okay. I don't look at that. So you've never looked? Okay. Then I take back the dumb. That's just ignorance. And that's okay. Ignorance is okay. Ignorance, we teach. We inform. that's a lot yeah it's a lot and uh you're six percent i really thought you were okay okay so you actually thought you were getting something from this well it's clear you don't really understand this and that is fine you need to go through our new debt program you need to go through it you'll get it for free for being on the show but you need to clearly because the fact that you just don't know how to utilize that it's i mean it goes over how to pay off that in the most effective ways but it also goes over how to utilize that in the most effective way so it's a full debt package and you the fact that you don't even know to like look at interest you don't understand credit cards and we go over the benefits of credit cards and how to completely yourself and you yourself and you didn't even know so please go through that so you can just learn you also get the budgeting and investing program go through all of them learn as much as you can suck in the information take the classes or take the quizzes and everything the fact that you just didn't even And no.

26:09And you thought 6%. Okay. So let's see. You purchased$1 ,490. Okay? Mm-hmm. Cool. So you got$89 from that if they were all the grocery stores, which they weren't. So it wasn't the full 89 in cash back. I mean, that's pretty substantial cash back. Yeah, but it doesn't matter because you still lost$26. Right? Yeah. Just about? Yeah, about that. Yeah. Math was a little off, but you still did lose. And it wasn't that full amount because it wasn't all grocery stores. So$4 ,640.60 with a minimum payment of$151.47. You paid more than the minimum, but it didn't matter. It wasn't even close because you purchased$1 ,490 with$106 ,013 accruing an interest.

26:5916 years to pay off this takes doing the minimum payment. 16 years. This is why we need to learn how to utilize debt because you don't. No. You're not a credit card person. you can not take advantage of debt dude even making your extra big thick payment still takes three years to pay off and yes well you have insurance on here so you're not getting that beautiful percent back but then there's tons of h-e-b you're addicted to going to h-e-b and you want that in your veins h-e-b it's like like have you okay are you you're not trying to be silly are you trying to make jokes like seriously like it's it's good stuff like have you ever tried their sushi like i know it's not like amazing but like h-e-b sushi is almost every day i would get lunch at there and get h-e-b every day it was good i mean well i said it's good i don't give a what did i ask if it was good are you what i figured it was better than going out to fast food because like at least oh or maybe we pack a sandwich you already spend a thousand hours a month on groceries so maybe we can pack some lunch if we're spending $700 more than making meal preppy at.

28:05What? I don't like sandwiches all that much. Oh, my. It's an example. Put something in a thermos, you dumb. Okay, fine. I never call people dumb. I never insult people like this. I just get angry at their money. But that's. Oh, you. Oh, man. Oh, I don't look good this episode. I'm sorry, guys. But I can't help. I'll just let raw motion go.

28:32But come on, you know I wasn't talking about a sandwich, you little Right? Yeah, yeah, yeah, yeah. You could do so much! So much for packing lunch! Hey, do you pack lunch? No, his friend doesn't pack lunch. Never mind. For f***ing sake. He actually works at H-E-B. Claire, what'd you pack for lunch today? Pesto pasta. That sounds pretty f***ing yummy. Maybe do that. Jake, what'd you pack for lunch? Oh, protein bar and apple slices. is uh lindsey a sand well okay pasta pasta okay pasta lots of insurance do you pay your insurance in two payments throughout the month that was a little bit different because it was a it was an overlap period because one month had ended with the insurance policy ending have you ever cried or laughed or got angry or sad.

29:33Becky Sue's Ice Cream and Netflix. We're not getting the 6 % with that. And then you're a Spectrum Cable. Now, okay, you're saying all these HGP stops are telling me they're sushi. So it's not even groceries. You're just getting lunch. So we put that towards the grocery budget and we can't even do that. So it turns out you're going out to eat. It's likely going to be$500,$600 a month. Maybe. Yes! Yeah. Taking away from the groceries, what we thought were groceries, being sushi for lunch. Yeah.

30:0330 % interest. Do you like to cook? Because you buy groceries? Yeah, I actually wanted to go to culinary school whenever I was. And you seriously cannot put anything in a lunchbox that insulates the temperature? I could. Cook your favorite little thing. The person who's doing the graphics on this, his name is Salah. He also cooks. he cooks multiple times a day. It's one of his favorite things to do. So he brings in all these things. He handmade egg rolls. You could do this. You could be having great lunches. If you love to cook, make good lunches. Bring them! Okay, what is this? That is the personal loan I took out.

30:41Why'd you take out a personal loan, my dude? So, back in February for my birthday, I went to Hawaii to see my best friend. He... Does he live there? He does. Yeah, he does live there. Okay. And he moved there? Yeah, he joined the military. Oh, OK. So me and him went out there. I brought my girlfriend as well. So we did pay for her. Yes. Oh, good. Now, legitimately, guys, I believe that you, everyone in your life, everyone around us can actually take control of their financial future and make their lives better. And we've spent over a year here creating tools to help make those goals a reality.

31:16Right now, our budgeting program and investing program are bundled together at a 15 percent discount and you get$100 in cash gifted to you right into your Moomoo account. There's honestly no time like the present to actually take control of your future. Don't wait. Don't let this opportunity pass you. And we will tell me how much your girlfriend makes. I don't actually know. I don't ask her those questions. I. Okay, go on. So we went out there. Wait, a personal loan, Not for a trip. Yeah. Well, no, not necessarily for a trip. I did a debt consolidation loan because I put everything on a credit card first, and then I put it on the personal loan.

31:57Oh, good. So I get the points out. You can't consolidate. Get the points. Have you spent on that credit card since? Yes. A lot. Then. I think it's our next. Then shut. Then shut. Shut. Shut. You negated it. You negated any progress. You didn't pay off debt. You just moved that and then you racked up more debt because you had more access to a credit limit. Again, you're not a credit card person. You're not a debt person. You can't utilize debt. You don't know how to. It's uncontrollable for you. You put Hawaii on a credit card. Yeah, we went out there, had a great time, spent my entire birthday there.

32:29Did you cause the fire? No, there was actually an earthquake there when we happened. It was kind of scary. We had to evacuate. I know you didn't feel fear. It was scary. Being on an island with nothing around you at all is terrifying. But also I thought personal loans, don't installment lines help your credit more, right? What's your credit score? It's like a 727. Is it really? Mm-hmm. Because I also tried to get another loan to consolidate all my debt again. And? They said no. No shit. You don't. They said no. What was that? Are you trying? Again, are you a... Okay. Oh, my God. Okay. Are you a little...

33:19Are you a child? Are you like an actual child? Like physically and emotionally? The way you act, man. Your little responses to things. I can't stop mentioning it. But I think they gave me a deal on that actually. So they were like half a point less than their normal rates. Oh, wow. Now it's only 10%. I thought it was like 9.5, right? It's 9.5? Or is it 10.5? 9.5. Yay. Not competing with the market in any way whatsoever. So just losing money.

33:54So$4 ,657 for this Hawaii thing. And 9.5%. What is the minimum monthly payment? I believe it's$175. That's what I pay every month. The 175. Man, what do we do for the post show? Because I don't want you to be here. Okay. Yikes, yikes, yikes. Yikes, yikes, yikes, yikes, yikes. Yikes, yikes. Okay. All right. All that stupid as fuck. What was the balance you took out? Or the consolidation? What was the total consolidation amount? 5 ,000. Are you going on any more trips still? We usually take a trip to Houston about once a month. and me and her split that evenly there. Well, how far is away Houston from Beaumont?

34:43About two and a half hours. That's further than I thought. Do you guys just drive? Yeah, we just drive up there and stay the night. Why don't you just drive two and a half hours and just do a day and then go back? It's a lot of driving. I don't care. Oh, you cannot. One drive there, one drive back. I guess we could start doing that. How often do you do this? At least once a month. And how much does it cost once a month, 12 times a year? We probably spend about$750. you you about yeah because we gotta go out to eat you spend 750 you not split why don't you split it does she not make money nine thousand dollars a year that's you make uh 450 a week before setting aside any money for taxes which i'm sure you do well that is split i mean we usually the hotel room is about$500.

35:36Oh, they're telling me you spent a few thousand dollars on a Houston trip just a couple months ago. That was for her birthday. You don't have money! You have bad debt! Did you have bad debt at the time? Did you take out the personal loan for the stupid trip? I did. Okay, then no! A few thousand dollars? No! Why didn't you pay off the debt? It was her birthday. I mean, I would... What, was it a magical birthday? What age did she turn? She turned 20. I turned 29. That's nothing. She turned 20. That's not even anything. 18. You're an adult. Woo, you can do a little more things. 21. Okay. Yeah, you can drink.

36:12Woo. 20. It's nothing. Why spend a few thousand dollars? Who cares? I felt bad because we went to Hawaii for my birthday and I was like... You should feel bad because you have a lot of debt that you're not taking care of in any kind of future of your relationship with her. You're putting on hold because you have bad debt and if you guys got married, you'd only be holding her down. How would you feel bad about that? How would you feel bad about keeping her? Just stringing her along in life. How long have you guys been together? Almost three and a half years. Oh, there you go. You're stringing her.

36:40You're not a birthday month person, right? That's my birthday month. No, I'm not. That's good for you. You seem like it. What about for her? Is it her birthday month? So it's time to. No, we just, we went all out for that weekend and had a good time. Yeah. Thousands of dollars. Yeah. it's expensive to travel i know to houston it's not that crazy a two and a half hours drive that's not trap it's like a day trip that's not a thousands of dollars trip what'd you guys do we went oh i don't even give a i don't care i don't care i don't want you to relive those pleasantries in your mind this debt is bad man and you're you're prioritizing a 20 year old birthday over literally putting yourself in a financially sound position so that you guys can be together forever in no way should she be attached to you marriage wise while you're like this yet you don't care you go on this little trip every month a couple months ago you spent multiple thousands because she turned 20 big birthday woo new things unlocked there Are you going any more trips planned for the future?

37:55We were thinking about going to New York Are you thinking about it? Don't I mean it's Huh? Macy's Day Parade I want to go see that Oh shut the f*** up Are you going to live until 25? Plan on it yeah Yeah probably go then Get out of debt Get a fully funded emergency fund Get retirement going because it's going to be delayed here for a little bit And so you're going to have to re-catch up And then go Be an adult adults go to the macy parade now thoughts comments concerns potentially any emotion we we're like we're travel people we like to travel i mean that that's our big thing i'ma go eat a ton of insane food kind of person i don't anymore because i well this last these last like couple months down a few pounds i'm happy i don't do that because i don't want heart disease when I'm older.