I Actually Hate Him

0:28Shopping is hard, right? of financial audit a week earlier check us out on youtube i am isaac i'm from houston i'm 21 years old and this is financial audit oh 21 okay on the younger side of the show typically so what do you do for a living right now usually that could be college that could be yeah so right now i'm going full-time college full-time college okay what are you studying uh biotechnology where are you going uh okay cool and what some what year are you in uh i'm a fourth year but with credits i'm a junior so i'm gonna finish in five years okay five years i know a lot of people that did that what is it taking you five years um so basically in covid i kind of got i fell behind i wasn't really the best that online classes yeah um so yeah i basically did not pass most of my classes during covid yeah so i had to well now i'm making up for it now so what's going on with your finances oh so finances uh i put all of my school loan well all the school money that i was going to pay on my credit cards instead of getting the put them on your credit cards yeah on my credit cards credit cards are like 30 percent yeah i didn't know better back then when um well i thought i was going to be able to pay credit cards you look older i thought you're gonna pay him off with what with what i had a job i was getting paid well what were you doing when when when was this when this is like 2022 okay yeah so i was working as a sales rep at a tile store i was making around three four grand a month um when you were going to school full-time yeah and i was going to school full-time are you not doing that anymore putting it's on credit cards yeah that's insane student loans federal student loans like on the bad side start getting to eight percent yeah the credit cards are like 30 it's not this apple card is it it's that apple apple card you put student loans on tim apple's credit card yeah unfortunately i've never seen that never even heard of someone doing that i'm sure people have I mean, there's a lot of stupid things that are done.

2:43Um, wow.

2:47So all of your tuition you've been putting on this card since 2021. When did you learn that's a thing to not do? Um, so the problem was that I wasn't going to put it on my student, on my credit cards, but then I didn't get FAFSA anymore. Yeah, but even private student loans at their worst, not at their worst, but they are typically pretty bad. They're still like 15%, 30 % on credit cards. Plus, it's showing on your credit. Not that I even give a **** about your credit at this point because it's not too bad. What? What is it? 690. Surprised. But even still, it's going against it because it's showing that your utilization is so high.

3:35Oh, yeah. Private student loans wouldn't show that. I haven't missed a payment. Why did you choose 30 % over 15 %? It wasn't a decision. I just didn't have the money because I left that job to focus on my classes so I could pass and finish college. And then once I left that job, obviously, I wasn't making the same. I wasn't making anybody. Because I was going towards focusing on school more than focusing on works more than school. I have transcripts in here. Let me get them.

4:08biochemical engineering is that what you said biotechnology biotechnology i mean your community your total gpa across everything is 2.0 yeah i just got 2.0 last semester got up to 2.0 yeah with the covet classes that i failed and then a couple other classes what are your grades right now this semester right now i got 4 A's, 2 B's, and 1 C. Okay. What's the C in? CGMP. Current good manufacturing practices. That shouldn't be that hard. Oh, you would be surprised. I guess I would be surprised. But we all have different things we're interested in. These science classes I would probably fail at because I find it boring as f***.

4:52NCR, what's that? I think that believes no credit received. Why? uh which class is that oh this is 2020 this is 2020 oh yeah all of those should be ncr you earned three credits out of the attempted 13 yeah i passed one class in covid because of online classes yeah but you just kept going i didn't know any better bills i wasn't paying i had fafsa yeah so but now that i'm paying for my classes um wait so do you have federal student loans um i applied for federal federal student loans this year and i got apply i got accepted for next year with zero family contribution next semester attempted 12 credits earned six the semester after that attempted 13 credits gained zero attempted nine credits obtained six attempted seven credits earned four buddy how you just keep this up every semester no it gets better i'm a reformed failing attempted 14 credits earned 11 yeah but every semester there's still one that you just you're just missing credits yeah that d the introduction to biotechnology that's what your biotechnology is what you're trying to do and you failed the intro intro class the intro used to be easy it wasn't easy maybe it's you're not fit for that i was passing that class up until the final all that matters is final grade i don't give a shit i don't care yeah but you can save up so many if you go blow it you're poor you're right next semester after that one semester ago two semesters ago attempted 15 earned 12 because we got an f and fundamentals of chemistry chemistry is my enemy you know how you say we're interested in different things i hate chemistry as well but even still dude last semester still attempted 17 earned 14 i had uh it's gonna sound funny because it's probably just like from the outside looking at one of your failures i had one college class that i did not pass because i got a d of course you have to get a c yeah and it was music history two and to everyone else they're probably like they're thinking of like music appreciation but i mean that that was like i could not obtain the information in that as a music major so i get failing a class missing a card and having to redo it i redid it and then i passed it minimum once a semester you fail a class minimum i'm not the best at school but i'm trying i know but you're putting it on a credit card it would be different if this was like a Pell Grant, if your parents were paying for it, being a little less focused in.

7:49Plus, have you been the whole time? What about community college if you're paying for it? I know you weren't for a bit, but... What's a semester cost? What's a credit hour cost? I think one class is like$1 ,250. So expensive. So expensive. Dude, ACC is like... Oh, ACC is like$300 a class. I'm at the final stretch, so I have one year left. Maybe. Based on your track record, I don't know. Well, yeah, maybe I got one year left. And so I can't take any more classes from outside after this semester. Why did you pick this major? um it was interesting to me and in what ways i mean like the job the career the what or just what you're studying like yeah like when graduating high school i didn't know what i really wanted to do i just knew that i kind of was interested in biology and doing the research on the majors that i could have chose i saw biotechnology as one of them so what's your career path oh what do you my career what's your career path what do you mean what do you mean what's your career path so i've gotten like three jobs so far and they're all in sales no what is what are you trying to do with this degree i'm trying to get a job in biotechnology sales to biotechnology sales yeah what do you typically sell in biotechnology um so you can sell anything from like medicine to uh surgical equipment and stuff like that that'd be cool um when you're ready for it i can gift you a certification for sales that can boost your resume from course careers they're really good um if you graduate and for what it's worth every semester you are getting better yeah a 2.0 that one hurts 2.0 is good though because you need 0.2 to shut the shut up it is not good you're getting past the finish line.

9:56It's not good. Don't use the word good. Hey, finishing is what matters. Yes, but don't use the word good. Better than under a 2.0. Yes. No. The number two is higher than less than two. I want to take a moment and chat about something that hits home for every entrepreneur, cash flow management. Today's sponsor NetSuite by Oracle is here to help with this. Think about it. the less money you spend on lackluster business systems, the bigger your profits will be. Enter NetSuite. It's the industry leader when it comes to financial systems, easily transforming your entire business flow into one sleek, efficient machine.

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11:17And here's the kicker, Over 37 ,000 businesses are using NetSuite, and they're not just getting by, they're crushing it. By popular demand, NetSuite has extended their flexible program for a few more weeks. Head to netsuite.com slash hammer. That's netsuite.com slash hammer, or click the link in the description below. How are you making payments without a job on all these credit cards that you've maxed out? I do DoorDash, Uber Eats on the side. Get some money from my dad once in a while. Okay. Well, that's not necessarily bad, but it's like, let's go through this and see if he's enabling anything.

11:55Any bad behavior, essentially. How much do you get from your dad? It's not like a set amount. If I need some, I'll ask and he might send it. But do you need it? Because going out to eat is 10.4 % of your spending. Stopping and getting miscellaneous bull**** that doesn't improve or help your life in any way whatsoever it was an additional almost 17 % you're spending subscriptions 1 % unknown shopping almost 3 % some other large purchases that again are nothing it's about 10 % so why would you need the money sounds like you're spending money you don't need to be spending and then he's bailing you out I mean I have to eat

12:47I swear I keep hearing this I'm gonna be the one that causes this is absolutely ridiculous you need to eat and have you heard of this great new thing called a sandwich called a apple like two pieces of bread cheese meat mayonnaise we're both white we love mayonnaise that's how it works it's so much cheaper than going out to eat i have to eat you don't have to go to mcdonald's or whatever i don't always go to mcdonald's that's a that's an example you do not have to go out to eat to eat for your daily caloric intake do you No. Okay. So why f***ing say I have to eat when it comes to money that you're spending that you're getting from your dad because he thinks you're not able to survive, but you're spending it on f***ing you bulls***?

13:51I've been doing grocery shopping. I mean, what is that graph based on? You're spending. Which statement? I said it was you're spending. Where's the grocery shopping? I don't see any grocery shopping in here. There's no grocery shopping in there? where do you grocery shop from heb target uh walmart may have seen a bit of walmart and target that's usually unknown because you don't really know what it is but even if that's all grocery shopping it was 55 versus you're almost 300 hours eating out how much you've made from doordash just last month oh i haven't doordash this month at all uh you said you uber eats then is that the other one you do yeah i haven't done any of those because i've injured my knee playing basketball okay you can't switch to just uber what do you mean uber why not uber then instead of uber eat why not uber humans oh my car doesn't qualify for uber what do you have corolla 2012 so you're telling me you can't get up and walk to that so how'd you get to the seat today i didn't see you walk in how'd you get to the seat uh i drove here How'd you get to this f***ing seat From the entrance of this building I walked in And you can't walk to someone's doorstep Why would I need to walk to someone's doorstep You said you haven't done Uber Eats Because you injured your knee Explain Yeah my knee hurts when I drive Drive Okay so your girlfriend drove you here today No I drove here Three hours from Houston Buddy what the f*** am I dealing with I mean are you and then you're driving my knees got better this and then you're driving three hours back right yeah okay then if you can drive six hours in one day you can uber eat for a couple hours in one day 100 so why the haven't you i'm also taking 26 credits this semester oh my gosh yeah you can't do that can't do it at one college no no no you can't do that i've seen your transcripts you can't take 15 and pass your classes i'm not failing any of them yet remember the last ones came down the final sounds like you're not a test taker sounds like you may be a homework person that's more like me i can do the homework but it sounds like you suck in the test environment also like me i hate school i've learned a few new techniques this semester so i'm dialed in what um no techniques to drive apparently what spending more time to study that's a technique maybe with a little bit of but it helps are you prescribed yes

16:37okay

16:46I love it when it's prescribed

16:52careful buddy very careful just don't want to see you getting any dependents of any kind oh no I hate taking it but it's useful to do things it's the opposite of what you just said it's useful to do things that you don't want to do like study for 26 credits of classes i don't you're not gonna okay it's bold of you to do so that's how you're graduating in one year and doubling up every semester where's this other college you're going for and how are you paying for that and how are you paying for that oh i haven't paid for it yet and you're in the classes right now oh how are you paying going to pay for it how much do you owe i haven't so i owe 1600 to lone star and are you gonna pay it i haven't figured that out yet oh my what are you and yet you refuse to drive because you got a boo-boo on your knee it's my meniscus it's not a little boo-boo okay but you drove six hours today driving six hours it's gotten better in the past week wonderful but i've had three tests in the past week as well okay cool drive it's gotten better drive if you can drive six hours here because you wanted to be on the show drive i'll start driving proud of you thank you what's your car again corolla 2012 why doesn't it qualify for uber it's it's above i believe it's above the miles what's the miles i don't know or it's you don't know how many miles you have oh the miles on my car yeah it's 185 000 what's up there it's a corolla yeah it's interesting i'm driven i've been in the back of some okay so this apple card what would you give yourself a score zero to ten zero being the worst finances ten being best finances i've been waiting forever to be able to give this score on the show so go ahead i'll give myself a five okay i don't want to just bully you into the ground but you've seen this show before you're a fan of the show you're so excited you just sat there you're like wow i'm actually seeing this set in person i've seen it under how the do you think you're a five unless you're like objectively a stupid person i don't think you are and i don't want to just be insulting how do you think you're a five i would like to just know because in there is no way to in any context of ever watching the show would anyone consider themselves in your position to be a five so why do you think you're a five let me change my answer real quick i change it to a zero why did you say five i was being generous

19:36okay okay i get it people get nervous on the camera first time on camera first time on lights this conversation works if we accept our flaws and our failures I dig through your mess I let you know how bad it is it's the intro part of Kitchen Nightmares where I go through the kitchen have a couple of vomits don't bulls**t me if you're going to bulls**t me we're not going to get anywhere no more being generous it's not even about being generous you're just like not the answer of five is just not living in reality like I need you to pull you into reality We need to agree on basic reality if we're going to get anywhere.

20:15If you want your hammer financial score, it's free in the description below. Also, I get to be Caleb Springer. I get to beat him up for being a little and go wild in the title and thumbnail. But you be encouraging in the comments below. And if you want to be on the show, you can apply. If you're brave enough like this man to come in here and say he's a 5 out of 10. Okay. Okay. So Apple Card. 14 715 dollars is owed and 78 cents the minimum monthly payment of 548 dollars i i'm sorry i asked you and i'm i kind of forgot how are you paying for this oh you said well i do uber e's and stuff on the side but you haven't been yeah not this so how the f*** are you paying for this that's an insane minimum payment for someone that doesn't make any money how the f*** are you possibly paying for that how the f*** yeah this this month i paid for it and now to pay for it for this month next month i'm gonna have to do a lot of uber eats yeah but your knee has boo-boo my knee boo-boo is better okay when did you hurt yourself uh it's been a month you haven't driven for a full month no i'd say like two three weeks in the past week and a half i started driving here week and a half is a long time why haven't you driven any uber eats i've had three tests in the past week okay yeah you said so your second excuse was after you made your first excuse and obviously didn't check out was that because you were having so many credit hours okay you have so many credit hours we're trying to get close to graduation okay okay okay sure well fine okay fine if that's the case then we can't work how are we paying for a 548 dollar minimum monthly payment with uber eats and door but you just said you can't because you're taking 26 billion credit hours yeah if i'm not injured i can do the both oh your excuses do not line up your reasonings you're okay you're one of those people okay are you a justify everything in life kind of person no i okay we'll see what you're a bit of a your dad i'll be honest why is that because you take money from him because he thinks you need it now that on this apple card that reminder is a minimum monthly payment of 548 dollars with a balance of almost 15 000 when we don't bring in any money because boo boo on me oh wait but it has it's been working the last week and a half oh but i have too many classes oh but it doesn't matter we'll start driving at some point maybe ah so you take money from him because oh i can't do it oh poor me every purchase on this first line is a bull you purchase a couple of them you might be able to justify here in a second but most of them are stupid unnecessary dumb enablement being provided by your dad water burger raisin canes water burger mcdonald's water burger chick-fil-a chick-fil-a fat boys pizza the den cafe apple bill some taquitos vape city yeah go ahead and kill yourself young while you're 21 that makes sense smart good choices study okay uh hot chicken and then sorry oh my gosh okay i'm coming i'm being aggressive i'm being aggressive vaping's bad i recommend trying to quit because it bad okay

23:43study pool so study pool is a website where you get help on your assignments as in cheating No. As in your assignments go out and it's kind of crowd worked on if I'm not mistaken. No, it's just they give you assistance. How? I would never cheat. How? By helping you do the assignment. How? By giving you guidance. Explain it, dude. I just explained it. You're giving the most vague answers. What kind of guidance? What do they do? There's a question. There's a chemistry question. So there's tutors on there. What do they do? There's tutors on there that you pay and they help you with the assignment by providing an outline.

24:27Can you give me an example though? There's a chemistry question. What are they helping you? How are they helping you? So if, let's say, there's a writing assignment. Yeah. You give them the writing assignment and they send back an example of what you could write. Right. An example of what you could write. Yeah. You would never cheat. oh no that's bad it bad you're trying to so this is why you're trying to skate your way you're just trying to how are you going to survive in the real world I'm so confused tutoring totally down for absolutely

25:10why are you being a little about it by the way why are you being a little like it's very clear that they just give you the answer and that's what you just said why are you being like oh no cheating's bad are you trying to like look good are you trying to like impress someone no because your girlfriend's over there and you're what like obviously you are cheating you are cheating why not just own up to it instead of being a little

25:41it's just a little bit of help

25:45you are a brick wall What are you even taking the answer for? People are doing the answers for you What? The arrow in what? I don't like you Why not? No, I don't like you This is like one of the first times in the show Where I just do not like the person in front of me I'm sorry, I don't like you Really? No, you're a bit of a douche My bad Yeah I'm sorry Because that's rude but I'm also kind of filterless that's fine you're cheating, you won't admit to cheating you're legally taking but you're like oh no

26:28making excuses that don't make any sense and have to change constantly so it's like what the f*** am I talking to you what kind of creature is in front of me right now I probably can't even upload this because I look like a piece of s*** I do not like, you're not a good person why not In the context of this, I have nothing to think you're a decent person in any way whatsoever. What makes me such a terrible person? You're cheating, dude. You're cheating, but you're like lying about cheating. Same with the drug thing. Same with every excuse you're making. You have to deflect to another excuse the moment I call it out.

27:03I mean, why does that make me a terrible person? Because I haven't seen a good quality in you. Only negative, negative, negative, negative, negative.

27:15I mean, you're kind of only looking at the negatives of me. Yeah, but you could also just own up to s***. For I've had many juicy things in the past, probably coming off like a douche right now. I own up to that s***, and I try to improve my life. You're just being a defensive little brick wall.

27:35And this Chegg, is it a Chegg order? Is it pretty similar? That's where you actually get help on questions. Noah's telling me it's cheating. No, it's not cheating. Well, I personally never used it, but his friends in college a few years ago used it to cheat. So, do I trust the person who's lied like 50 times this episode or the person who doesn't lie to me? I don't know. The commenters will decide.

28:02Oh, if this is uploaded. Okay. Wingstop. Cheating. Cheating. Netflix. Taquitos. nbs facts what's that nbs facts nbs facts yes i don't know what that is oh my gosh how do you spend money and you make no money you don't even know what it is it's 30 nbs facts i have no idea oh kill me now mcdonald's cheating cheating microsoft cheating using chegg itself is not illegal or against school policy however using chegg to cheat or commit academic dishonesty dishonesty is a serious offense and can lead to severe consequences such as failing the assignment and expulsion from school. Suck if you put everything on a credit card just to be expelled.

28:49And then we have... Oh, good. Oh, lovely. Interest charged this month$310. Hmm. Yeah, I need some debt consolidation for sure. No, is that really what you think? I know. Wouldn't moving it to a less APR loan be better? Oh, my God. okay no i'm wrong no no it's it's not about that if you were that ignorant it's it's different you've you told me you were so excited because you've seen clip tell me what you've seen of this show before please give me your experience and extensiveness of what you've consumed from this show um i've watched the hour-long youtube videos and i've seen some how many like two three and then i've seen mostly clips okay so mostly the short form yeah the short form don't go into details the short form editor takes that to uh just make the best shorts possible so it's fair enough okay then i'm not gonna freak out on you for this because i was like there's no way if you've seen a lot of our content that you would think consolidation is a good thing two three videos fair enough and shorts doesn't go into consolidation um my hatred of you has gone away thank god i just i had anger there for a second i am someone who gets angry and i just need to take a moment and i took a moment and i apologize if i came off in a bad way no so i don't want you to feel like okay so what typically happens in consolidation for someone in your situation who clearly has behavioral issues in terms of spending and not being able to manage that in any way you consolidate it it gets put onto a consolidation of some kind then you have to pay that off then these balances go to zero and if you don't cut up these cards closely it counts which i don't think you would do um because you're just not educated on the subject which is totally fine what happens historically including people who've come on the show multiple times as after the balances get wiped uh-oh just like this card where you're pretty much at the credit line you're not at the credit line anymore so you just spending goes all the way back up then all of a sudden you have double the amount of debt because you have the debt that's consolidated that was the previous debt and then you built up the new debt and it puts you in a double position you already can't pay your bills what are you going to do when you have double the debt consolidation for someone in your situation who does not address the root causes and the root causes for you is behavioral issues when it comes to your spending and managing money and just your in general understanding of how to manage a budget everything like that it's it will damage you a deck consolidation will damage you it will put you in a worse position than where you are now thoughts um i didn't know that but that does make sense that if my credit cards did get wiped to zero that it might get filled up again but i think getting rid of that 30 apr like you said is pretty important but yes no that's good But again, what is more damaging in the end?

32:04And I think it's if you build up that 30 % debt again, but now you have all this extra debt on the side. That is going to be more damaging than just tackling this. What I would personally do, you're not a credit card person. Actually, you're a student, so it's perfect. I would use the FIZ card for you. It works as a debit card, but it acts like a debit card, but it's like in the system as a credit card. Use that. Close these accounts. Chop up the cards. Never use them again. They're terrible for you. you've abused the system they're bending you over there is nothing good and beneficial from you having these sure you're closer to a 700 than i would ever think in your credit score like how that happened no idea but you're getting 100 i do not want you to consolidate and if you do the only time you ever do is because you've demonstrated you've changed your behavior and you close these and cut them up.

33:01So what if I didn't close them? I just stopped using them. No. No, that doesn't work. Because I don't think you will have to address your overall behavior. Oh, here it is. Here we go. Missed payment. Missed payment? Missed payment. I don't have any missed payments. uh late fee late fee we're late congratulations take a look welcome to your own finances bank of america everyone's favorite balance 9 188.92 you didn't know you legitimately didn't know i think i okay i remember this uh i searched it up it just happened uh i searched it up i was like late for you why do i have a late fee because i paid it uh i think i paid it like a day late and i believe what i researched late sorry go ahead uh i think i searched it up and from what i searched up i saw that there's a difference from a missed payment and a late payment um i don't know if that's true okay well a missed payment is if you just never paid it you did you pay but you're late why are you late you can't manage this you are not a credit card person you do not know how to manage finances you do not know how to manage debt yeah consolidation's not going to help you in any way whatsoever how'd you have a late fee why are you not making your payments on time that would be the one time that i would ever have a late fee all it takes is one and guess what it's the most recent so we're here i'm not gonna go based off of if you were successful in the past five years yeah all that matters is what you're doing now i can multiple years ago and it's okay as long as what i am doing now is better and what i'm trying to do in the future is better.

34:44You can be a perfect person five years ago, but if what you're doing now is bad and what you're planning to do in the future is bad, you're a bad person. In this case, bad with finances. Not necessarily a bad person, but bad with finances. So I don't give a s***. You never missed a payment. You missed a payment. You were late on a payment. Yeah, it's not going to happen ever again. I don't know that. I don't know that this just happened. What encourages me? You don't make any money! And you have all these minimum payments! 548 on the Apple credit card on this Bank of America 294 how are you making that you're not driving dad daddy no not who's covering this girlfriend no that's she helping my girlfriend how are you taking her out on dates um with my doordash money not this month this month is the exception that's why i signed up for the account It should be going...

35:39$190... No, what? No. $164 of interest. $190 of interest is...

35:47Amazon card. No interest charge because you paid the balance off on this one. Okay. Thank... $190 balance. Oh, and consider that starting to pay off. Hilton Parking. What parking? Oh, Hilton parking. That's on our campus. You don't have a parking pass? There's two campuses. I had to go to the main campus to take a test and I had to pay for parking there. Amazon. Oh, cheating. More cheating. Good. Community Medical Center. A couple of charges there as well. Yeah, that would be for my knee. Yeah. None of this card. There was nothing, so it doesn't matter. Just a quick pause in your Monday viewing experience to give you$20.

36:37Usually when you sign up for Acorns, you get$5 for signing up. But I negotiated for this month only with Acorns that you get$20 if you sign up using my link in the description below. It's literally free money and a great way to start investing. So start your Monday off in a great way and sign up using that link in the description below. Any other debts? That would be all. Well, other than what I old school right now. Oh, what? Somewhere in here. let me find it what about your car what's up with your car you don't owe anything on it that's good what happens if it breaks do you have anything in savings I know the answer to that exactly so what happens if the the the how'd you get the car in the first place oh it was my dad's old car daddy would he get you your new car would he get you your new car if this were to break down What happens if there's a major repair?

37:32I would have to figure it out. And how would you figure it out? You're maxed up on all your debts. Probably take the bus for a couple months. And your income source would be zero. There's a Costco opening right next to my house. I'm planning on getting a job there. Absolutely. Spring 2024. That's this semester, right? Okay, so$8 ,604. Yeah. what's this additional spring 2024 1130 what's that is that extra take a look take a little peek this is so you got a bow yeah what'd you think of the clips versus being here in person there Mr. Isaac it's a lot more interactive that's a good answer it's funny you watched the onboarding video though right uh the one the clip of you before you the 10 minute onboarding video we sent you i don't think so why was that after i got the when you get accepted to come on the show we send you an onboarding video to watch that prepares you for the full experience you didn't watch that why i didn't see it do you not check emails no i do check emails i was replying back to noah yeah we just checked you open the email we have we're able to track that you just didn't watch it yeah i guess i didn't see his fault not ours eight thousand six hundred four dollars fourteen cents i'm not surprised that you don't read the emails based on this conversation okay so you owe eight thousand 604 dollars tuition and then to the national 1 130 dollars and you were just putting it off hoping that somehow it got paid what was your plan before this conversation to pay that for the school right now yes that's what we're talking about no idea you didn't have an idea so you're just you're just like it i mean you had no plan you didn't even have like an inkling of a plan A start of a plan?

39:43A little beginning building? So, beginning of the semester, I had a job as a solar salesman. And that company closed down. So now I have no idea. I've been looking for another job, but haven't had any luck. Are you willing to be on mic for a second? On mic? Not on camera, just on microphone? Huh? No, I just want to ask you a question real quick. Can we get on mic real quick? All right, Miss Girlfriend, well done, by the way. Thank you. This, how long have you guys been dating? It's about to be two years. Is this? This is not how he was when we first started dating because he started taking more classes, so he started to focus on school more, which, in my opinion, is a good thing, but he also needs to find a way to get income.

40:37Do you know that this dude, you've listened to this conversation. Is this someone you've - No, I didn't know how much debt he was in. He would never tell me because he knows I would freak out. It's not even just the debt, just the way he's talking, his mentality on this. I think he's nervous. He's not usually like this. Fair enough. I think that happens to a lot of people on the show and then people are like. He gets defensive when we argue. So I think that's why he was defensive at the beginning. Wait, I'm sorry. What? He gets really defensive if we argue. So I think that's what he was. He was like just doing with you.

41:04You're a defensive little boy. Okay, great. I'm working on him. Are you? or is that just being defensive okay um is this a man you've considered potentially marrying i know we're young but um yes would you really marry the creature that i just talked to you in terms of not right now with his situation right now not to put you on blast buddy but also i'm putting you on blast buddy your mentality around this like i couldn't i mean imagine a future future partnership with someone that are saying the things that you're saying the the way that you defended things the way that you spend money while taking money from your dad and the way you don't work your excuses your defensiveness you didn't even have a plan you're trying to double down on school but you don't even have a plan a start of a plan well i had a job in the beginning of the semester i don't know if this is so that was back to getting defensive but i would make good money every time i made a sale um this is interesting though see you're you're hearing you're hearing it here from the girlfriend and from mr isaac over here people are like oh people on the show they have to be fake how do people act like this natural human instincts come out when they're on this i swear that's an intense conversation so where'd you apply through apply through what yeah where'd you like apply where'd you find the like link to apply instagram instagram okay you applied through instagram cool so what is your take on all this debt this is scary how's this guy paying for school what is your thoughts on all this i actually have no idea his dad doesn't really give him money i think he came off like his dad gives him a lot of money but he's not like his financial support at all um i think he is just taking it like one step at a time because at first he had a job that was full-time and that was going well but then he started to focus on school and then he found the solar sales job and that one was good because like it was on his own time but the company was not that good and then they ended up closing down and i mean now he's not doing anything 600 hours last month no that's not life-changing but come on if we looked at the money that he was spending on his dad essentially just paid for that he just enabled that bad behavior so the main reason that i put my tuition on my credit card was i thought my dad would help me pay it off why what gave you that thought so the thought was in 2021 uh we bought a house and who's we me well my dad bought a house and my dad was like i need help with the down payment and he was like how much money do you have he was like how much money do you have and i had around 15 000 yeah and so you know it's my dad i don't really i don't really mind giving him the money so i thought there's a loan or a gift well i didn't really you know discuss all that with my dad it was just like how old were you i was 18 oh yeah so i thought you know since i gave all my money to the house i thought that it would be reciprocated on the you know school payments but it wasn't have you brought this up at all um i tried but it always gets like deflected tell me and like what do you mean give me an example i mean he says like i pay for all this i pay for the monthly payment on what oh like the house like the mortgage payment it's his house yeah and like that mean do you live there yeah yeah it's he's gaining equity in the house you're not i don't i have no sympathy for him in that that doesn't make yeah and then he says like oh i pay for like you know the gas the electricity the groceries and stuff like that okay so you're rent-free yeah okay sure that helps a little but fifteen thousand dollars let's say you're paying three hundred dollars a month for utilities you know or fifteen thousand dollars sorry not fifteen hundred right yeah three hundred for utilities i mean that's 50 months also known as four years have you lived there for free for four years yet well actually maybe 18 18 to now oh three years yeah so he technically might be even but also people stay at home for college all the time it feels like he's just kind of i don't know i would feel okay i'll just say me because technically i gave him the money there's no contract so blah blah blah legal legal legal morally which morals are all subjective if i took the money from my kid for a down payment on a house i would want to pay that back i would want to pay that back so that's just my morals though morals are subjective maybe he doesn't give a maybe he truly believes that he is paying you back through living there for free even though a lot of people live at home through college for free so but either way maybe he genuinely feels that way that's kind of um essentially just view it like you gave it as a gift and you'll never get it back yeah i've kind of parted ways with that money already and it was two years ago though that you started putting this on a credit card so at that point you thought he would i would be getting some assistance when was the first time you brought it up to your dad um so the first time when i got my financial my my my financial aid cut uh was because i was under a gp of two because i was working the same time so when i quit my job i didn't have any way to pay for the classes but at that point i didn't have my 15k in savings either so and then i asked him and i believe it was around two and a half 3k that i had to pay uh for those classes and i believe he sent me like a thousand or well he didn't send me all of it basically and ever since then i've been slowly trying to you know make money paid off um just going back and forth between grinding with school grinding with work and paying off my credit cards i am hating you a little less as the conversation goes on so it's a win uh no puts my producer put some notes in here just in case i miss things every once in a while and uh he's been referring to you throughout this episode as daddy's little boy but no but but i think after that last point which is a very important thing you gave so much more money than most people have at 18 towards a down payment on a house i personally think he owes you so he just deleted it coward caption has been changed uh so yeah that sucks and i think he should help personally uh will not necessarily help with that i would like to see him give something back even even if it's just a few thousand dollars which maybe he's done I mean, he gave you$600 last month.

48:21How often? How frequent is that? It's not really often. I'm kind of shy of asking because I do get the pushback. I do get the we'll see. I do get the I'll look into it. Tell me about mom. Mom is in Philadelphia. She doesn't want to support at all? I got two siblings. They're not like. Just wondering. I'd say like we're better off than they are. Huh? it's not like she has to i'm just i'm just trying to get the full picture yeah i think if i asked um i could get many from them i just don't want to be a burden to like my mom's side do you think he's going to graduate college because he keeps failing classes every semester this semester he's doing really good i don't know how he's taking 10 classes that's double what i'm taking and i'm barely surviving oh maybe he got the fire uh he has like 10 classes left and that's it well i mean you do know he's spending hundreds of dollars a month cheating right i did not know i actually the study pool stuff i found out about it recently and i personally told him i'd help him with those assignments but he paid somebody like a hundred to do it for him what do you think about the fact that he tried to say he wasn't cheating like the dude was straight up lying to me that's when i didn't like you i honestly don't know what to say about it because i offered to help with those assignments he said he didn't want to be a burden because i'm already like struggling with my classes he just doesn't ask for help i don't know why like he doesn't ask anybody which i i i okay sure i i feel sympathy towards that i'm also not someone who's like always like wants to go to the parents or anything to help but there's a lot of people that would help him true like not just financially in a lot of aspects but then you cheat and then you've lost the respect in that so now to be fair to pass music history the second time in the final exam when apple watches were new i had some of my notes on here and i was like what's going on so i did a little cheat cheat cheat because all i cared was about getting the degree in the end but you lied to me about it and you're all suspending what what is it how much was it did we do how much was it yeah someone told me it's like 300 or 600 bucks or something it's like it's 360 bucks so divide that in half because i split it with my friend okay even still i'm on a monthly basis with someone who doesn't make any money yeah okay especially with 88 dollars in our checking account taquitos taquitos stop stopping at gas stations getting oh and nico's nico's stop stopping at gas stations and going inside and getting some gosh i mean come on you don't have money you sell what the is this american auto 440 dollars you zelt to what happened uh my car got messed up see this is what i was saying what happened uh misfire cylinder two and three how is it now better okay great one and others out i can't say what that one as far as blacked out 98 bucks in this banking this is transfers it's nothing oh and new york times and an apple bill really important when we have again no money saving 60 dollars we're on our way okay what is this oh interesting that's okay so they actually didn't see this they put this in uh the pile after i already went through things and then they put it under here um because it's a little surprise for me uh this is robin hood oh no that's um you pull can you pull it up i want to see your portfolio i personally prefer uh muumuu as my single stock app but this is fine that's coinbase and oh there is robin hood okay let me see the coinbase oh is it crypto yeah which is done well recently but for someone that doesn't have any money that's well what is it like 2021 no no no crypto's done well recently bitcoin's done well recently oh i haven't i haven't looked he got traumatized what say that again he got traumatized so he stopped doing stocks oh yeah it's not about stocks buddy but okay 2021 we made it to 3666 today we're down to 60 dollars dude that could have paid for bring up bring up the other Robin Hood I'd get traumatized too if I was a dumb um sorry that was mean uh just i wouldn't rounds with that kind of okay so robin hood was at the max of 300 photos here let me um open the app i keep okay sorry photo apps a dangerous place dude yeah we were six thousand six hundred dollars now we're down to six dollars low cost index funds all day baby your target retirement date funds that's a good thing that i personally do and it's not investment advice because i can't legally give investment advice but it's what i personally do and tell me i would do that instead of those single crypto you're getting and i'm not anti-crypto i have crypto in my portfolio but i like to have a well-balanced portfolio you went from like ten thousand dollars total down to a couple dollars so that's and that could have paid for it could have paid could have paid off 10 000 to the 14 000 you could have completely paid off the bank of america card so that's i see i get it yeah i just got ahead of myself at 18 making money pressing buttons on my phone so i see i would i know you're trying to get through school quickly i do respect that but you can't pay for it i'd rather you do have the credit hours double the you know take two more years half the credit hours and uh work at that job again and like cash flow as much as you can and then student loans the rest certainly not on a credit card okay i don't know how to budget you people get upset when i don't do a budget but i don't know how to budget you um because your income's weird and how to pay for things i honestly don't know So I think we need to talk more major life things.