I Finally Met The Devil

0:28Shopping is hard, right? This is a real good story about Bronx and his dad, Ryan, real United Airlines customers. We were returning home, and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew. I got to sit in the driver's seat. I grew up in an aviation family, and seeing Bronx kind of reminded me of myself when I was that age. That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. this was a joke okay but okay stop for a second let me finish my thoughts it's not even that bad it's like a quarter of some of the other people the fact that you can't after all that you can't wake up to anything go hi my name is alex i'm 26 i'm from houston and this is financial audit welcome over to austin so i want to know what you do for a living here in a second but

1:28honestly this thing right in front of me this document right here it's one of the more like what the f*** have I ever seen in my life you made a decision my dude you made a decision and I know I'm jumping in right away but I mean this blew my mind so much that I can't not talk about it the car the car that you have you had a what you had a loan on it that was what like 10 000 something like that 13 000 and then you refinanced it in order to try to take some cash out leverage against the car ended up getting a 21 560 loan at 29 interest rate 29 that's like insane that that is one of the most insane interest rates i've ever seen on this show ever you took that out amount due 938 dollars which is double because you're getting extra charges in here what is that late fees probably you're probably late on this and the car the car in tippity-toppity condition with your vin number that you provided for us at the top at the top is worth$8 ,734.

2:42You're upside down, dude. Dramatically upside down in this car. And you took it out. And some of the money is to sit in your checking account. So I'm just, I'm sorry. I know, jumping in right away with this, but it blew our whole minds. We have one person who goes through all the documents, makes sure they're redacting things and putting everything in spreadsheets. And then another person that reviews everything, making sure redactions are good and uh put together your entire financial picture then we all sit down we all look through it and then we just try to fully understand your situation come out with a plan and every time we did this every step of the way we were like what the so what the

3:26um yeah it was a bad decision oh oh um i feel like immediately like after i I regretted the way it was done originally. Why did you do it? You went from 13 % to 29%. Yeah, 13 % to 29%. Yeah. And I was paying$430. And now, well, the starting rate is$692. And then I called them because of my... Yeah, the$900 is... I don't know why it's like that. I already called them and asked them. and they said that it was wrong but um i mean it has other charges i don't have the second page of this so i don't i don't yeah no i don't um so originally the monthly charges are 692 and but then i did i called them asking them what the option or what the process is if i did a voluntary repossession well i was considering it and so because they didn't want me to do it they lowered my well no of course not i mean they they're making more money off of this why would they want you to do it yeah why would you take their advice regardless of what you're doing well they're the money people they're the i want money from you people they lowered the monthly cost to 400 no but what else did they do i don't know if they modified the interest so it's probably me with oh probably not even that but maybe the term got extended probably you don't know when the term extends to you don't know like the loan um length it was it's probably like five years so it's probably back payments that you haven't paid is what brought it up to that 938 no um i don't know why it showed like that like when you look on the app it says that the payment i owe which is my second payment because i did this recently um it is at 400 it's not 900 i don't know why it's like that what's your normal payment 404 61 now now 402 yes how is that different than that how is it different than what than 900 no 404 61 how are you at 402 like how is it different than the document i'm looking at well because you said it said 900 no look down at the payment it says 404 yeah is it the 404 61 or is it a different number it's 404 what is what is the car it's a ford fusion year 2017 and it's really under the negative equity is it's not even close but why did you do it because i was unemployed for six months and so originally like in my folder i save like loan offers that i get and the loan offer was offering me 21 000 why do you do that Because I need money Just saving loan offers that come in the mail Those are the most predatory F*** loans ever Other than walking into a payday loan Is it a bigger f*** than being Like homeless Well we can talk about that in a second Well sure I mean let's okay fine What was your job before you lost your job Before I lost my job I was a remote call center repressor How'd you lose your job They severanced us Okay how many weeks or months of severance did you get So they gave me six months of time frame.

6:51I was applying the entire time. It was hard because... Six months severance? No, no. They didn't give me six months. So they paid me out, I think, around like 6K. Okay. How many weeks of pay is that? They didn't frame it that way. How many weeks of pay is it, though, based on what you were getting? Probably three months. Okay. Wow. So that's half the time you were unemployed. What happened during the six months you were unemployed? um okay so i just want to first say that uh i had found a job the the like catch of it to get the severance payout was to stay until my end date and so it was hard because i was trying to find a job but i also didn't want to find a job too soon and so i did find a job but then we were incompatible and then i got laid off from that employer y 'all this is the time hablas espanol If you used Babbel, you would.

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8:26You can also get FDIC insurance on that money up to$2 million with them. Plus, they'll give you money up to$300 when you set up an account with them. There's even extra perks like being able to get paid a couple days early. SoFi is what I use when I'm setting money aside, and it is the banking app of the future. Sign up, link in the description below. I always want my money to be making more money, so don't lose money on yours. Incompatible how? I didn't like the way they ran things, and then they didn't like what I had to say. But, buddy, at that point, we're just trying to collect a paycheck and survive.

9:00I want you to get into the culture you want to get into, but if we're on the brink of you said the word homeless, if that is in the conversation, we don't go into a place, and the first thing we do is, you know, I think the company should be ran this way. That's not what I mean. Like, okay, for example, the trainer, he was making fun of the sexual harassment training. He's like, ah-ha, ah-ha-ha. Like, he wasn't taking it seriously. And then he, like, that character carried through in so many other areas. And so, like, he wanted to scare us in, like, with our tests. When we were doing tests, he would, like, make it seem like we were going to get fired if we lost the test.

9:41Or, like, if we failed the test. and so i'm like that's stupid and the issue that i have bringing up to no i didn't tell like that wasn't the issue i kept that to myself but the issue was is that um i have certain disabilities so i had to shut off my camera and so they said that i was shutting off my camera way too often and they thought maybe it's in there it has to be on but obviously like if i have a disability i'm like i'm gonna go handle it you know so um no take a look if that is covered by disability well when they fired me um they used different reasonings um and they completely disregarded what were the reasons they said huh um so they had pulled me into a conversation and they were really aggressive and they were like you keep shutting your camera off and like if you do this you're gonna get fired but i told him i'm like i have a disability disability huh i have overactive bladder i have asthma and i have like allergies that trigger my asthma so and that requires you to turn off your camera when i go to the restroom you're taking it into the bathroom huh okay so the way that a call center like remote call center job works is they want you hardwired they want you like your headset to be hardwired to the computer yeah i don't follow those rules because i have a usbc headset that is wireless so i know it's the rules i'm still meeting their requirements but you said it was their rules if you're not following the rules you're not meeting the requirements i'm not saying the rules make sense but a company is allowed to choose their own rules okay well they didn't know that so it doesn't matter but um what's it called you're the one that got fired so maybe it does well um so they didn't know that i was still listening whenever i would go to the restroom they didn't know that i had a disability either because i feel like it's hard to navigate that and being open about it um but that's no offense i'm sorry like i i i uh sympathize with your position but for anyone to ever be upset for uh anyone ever to be upset as someone for not proactively doing something they didn't know about based on something they didn't know about that's kind of up if you didn't tell them how would they possibly ever know to cater to it well i did tell them in the meeting when they came at me like okay oh like you're if you do keep doing this you're gonna get fired and instead of having like what's going on that's how stuff is supposed to go probably because at that point you just stacked up so much that they're just like we can get someone better in here they had never given me a warning or anything and so well no offense but a call center job i mean i assume that has to be one of the higher turnover industries they can probably get someone to fill your seat relatively easy people are always looking for jobs even though our unemployment is still close to record lows like those low as in like there isn't a lot of unemployment right yes the unemployment rate yeah is low right now it's recently but yes it is still very low comparatively oh well i either way all i'm saying even with that statistic um wherever i'm at right now i could google it but i don't get what what is this attitude that you have and first of all to be clear we are not lawyers or anything but just from quick googling um from our producer the employer has to provide reasonable accommodation if it doesn't harm the bottom line of the business but but since you did not tell them about it beforehand before the meeting came of letting you go it's hard to see you having any ground to stand on legally but we're not lawyers you might and then in that case you'd probably want to talk to an employment lawyer and if there is a case for you then you could probably get some money from it so two things i did put that i had a disability in my application i just didn't bring it up to the training people because they are my trainers okay we'll talk to a lawyer then and talk to a lawyer then because i don't know talk to a lawyer then but i will say this you typed us up a whole paragraph and statement of things you want to talk about and i mean a lot of it read is just blaming everything on other people instead of taking any accountability which immediately this conversation kind of strikes me as like it doesn't shock me it's talking about well it seems like literally everyone in your life is a bad person and nothing is your fault just from what you typed up to us i'm describing my financial like how i got into a certain financial everything else is someone else's fault everything is someone else's fault well no like how are we gonna you're not gonna walk with away with anything and do anything beneficial if everything is always someone else's fault and you're not able to take accountability for anything well i know that i needed okay we're gonna loop back to this let's get through your finances one main financial immediately let's talk about this oh late payment i don't have a late payment read the document the one that you sent us are you kidding me look all the way down at the bottom it's highlighted late to payment um i made the payment now and it was the first time it was late no i didn't make it late late i don't know why it says that i just got the loan and like yesterday was the first day i had to make a payment okay you know it was my fault from everything that we talked about and stuff i was ready to just jump on the moment that i saw a late payment and they just framed this in a weird way what it was trying to say is the payment was due on the 12th and then a late payment would be the 22nd oh so that's my fault happy unlike some people at this table to admit when i was wrong i can admit when i'm wrong 198 31 a month and this is on a six thousand hundred dollar new loan balance what is this it looks like a personal loan potentially yeah so these two were supposed to be personal loans I didn't want to do that.

15:56Wait, this is a 29%. They're both 29%. Kill me. They both suck. What is this for? To pay my rent. Both of these were to pay my rent. If people are unemployed, people lose their job, and they literally cannot find any job to sustain themselves, you're right. I have sympathy in that, and there are support systems that they pay into through their work, and I want them to get assistance. You got a job. you had a job i do have sympathy that you went through a hard thing but in terms of sympathy for the consequences of your actions that's a little hard well at the end of the day i was just kind of like it that they're we're not compatible like they're yeah but you needed to pay bills yeah so simple as that now you're taking out 30 percent death insanity debt just to survive exactly so what i'm saying you know it's not compatible your finances and your living so we probably work there and apply like it's a full-time job on the side especially since it's remote and you're just applying to jobs applying to jobs applying jobs and when you have something that fits your cultural needs then you jump ship well don't take out 30 loans to survive because we were that was not immediate that was not immediate so um i because i knew i was not compatible with the way they ran things at that company and they had all like i was still getting calls about other people hiring and i turned them down but that doesn't make sense because i should have i should have said yes yeah and i f***ed up and i because you said you realized you were in a cultural fit at this job while you're getting these calls so why why did you turn them down because well i'm telling you i f***ed up no i know i want to know why well because i already had a job and even though it was the wrong fit i was looking for something that paid higher the job that i got offered paid the same oh franchise tax for what so because i took out my because i dissolved my 401ks um i'm pretty sure that that is the taxes because i didn't submit a 1099 form i didn't know how there was no part part for that what was your 401k through what was the so fidelity the second one with the the job i got severance was with fidelity fidelity i use fidelity for my taxable accounts and then i do mu mu for my individual stocks and with fidelity they send you a form at the end of the year or beginning of the next year for tax season they send me the 1099 forms but when i was filing my taxes i didn't see a part to submit it oh if you did like what did you do like turbo tax or something yeah i've used turbo tax and they do they ask you questions and then they only make you submit the right forms based on the questions that you answer you just answer the questions wrong now don't get me wrong filing taxes for someone in your position is overly complicated than it needs to be but even still if you just went through the system and answered the questions correctly and you knew you had to pay right even if even if they didn't say submit the phone we knew you had to pay right well they taxed me when i withdrew so i was like okay fine then maybe they taxed it when i withdrew it okay so you're 1 552.62 this came in december we are three months past that oh we've not done anything i haven't been able to get in contact with them okay our penalties He's accruing.

19:38Let us find out. Don't get me wrong. The Texas comptroller is like beyond outdated. People say Texas is business friendly, man. Just to get a form from them, you have to physically mail in something and then wait another week for them to physically mail something out. So this office is a pain in the deal. Trust me. I know. Just trying to see. Because this is a screenshot of a piece of paper. I have it if you want it. Yeah, I want to see if there's penalties. Oh, the account balance will increase periodically due to the additional, addition of penalties and interest on tax due until paid in full.

20:18It just doesn't say how much. And that is, this balance is probably higher and it's probably just getting higher and higher and higher and higher and higher and higher and higher and higher.

20:30Oh, she's looking for that. If you want your hammer financial score, check it out free in the description below. I have a feeling we're not going to get a great score here. You're organized. Like, I love it. It's so good. It would suggest that your finances are decent. And I'm glad you're getting here. You're here to start getting help. But... Yeah, I don't know where it is. There's no point in being organized if we can't get the things we need. Okay, Capital One. Oh, wait, it's right here. I'm going to hide this so that things aren't. So it says penalties. It just doesn't say what the penalties will be.

21:12It's probably on their website. Okay. And Capital One. Balance of$34.07. So it's not really much. You paid off the balance. Oh, my gosh. What? Well, this one I did not f*** this time. This is the one. past due fee and i ain't one up this time past due fee yeah but i paid it in full i know but you missed the payment and then you went and paid it because i had gone i hadn't gone in the loans yet oh so the money from the 30 loans paid on this well yeah i was trying to consolidate oh if you're taking out loans just to pay on your debt why in the possible possible are you spending 227 dollars 84 cents going out to either 4.1 percent of your overall spending and you're miscellaneous bull on things that don't matter 229 dollars 58 cents or 4.1 percent of your spending why the possible is a single cent being spent on that if you're borrowing a 30 loan to pay a past due thing on a card oh my gosh and also as organized as you are what concerns me is when you talk to us and you're like i have a thousand dollars in credit card debt you have like two thousand five hundred dollars in credit card debt um okay it's like you're you're organized to the t you just don't know what's in your organization no i know i didn't address that um so i have the closed accounts we haven't we haven't talked about those um um but the credit cards most of the stuff i paid with the um with the severance check and then with the 401k withdrawal a lot of that stuff but then the one main financial i took out you've drained your 401k twice by the way yes in your life yes you're 23 and you've drained your 401k sorry 26 and you've drained your 401k that's exactly how i feel about it i didn't want to do it but i'm really grateful that i had it to withdraw if i didn't that would have ruined my credit my family member would have ruined my it because we didn't finish i hadn't gone in there financially because because because let me guess when you had the job when you had all that stuff you probably didn't cut back down on all your desires before you built up a six-month emergency fund which is a requirement to get the baseline foundation of any personal financial decent position well i was not like in there yet And you probably didn't cut back on your bull Because you haven't even cut back on your bull now I wasn't living like a freaking monk or minimalist Like If you don't have an emergency fund And look what happens if you don't It's worth living like a monk or a minimalist For a second Insulting people who sacrifice in order to get their emergency fund Fuck off I'm not insulting them but I'm just saying Like the average person is not just gonna live off Like And guess what the average person in the United States can't pay a thousand dollar emergency the average person in the united states is you want to be the average person in the united states you're going to use that the average person in the united states is as reason for you being okay to be that doesn't make any sense don't be the average person sacrifice get the baseline requirement for a decent financial future and then you wouldn't be in the position where you're borrowing 30 on loans just to survive after you quit a job because you fell asleep at a job then you took another job and then you weren't culturally compatible pissing me off i'm i'm sorry kind of i don't know i don't know how i feel i'm i have confusion my emotions are testing with me i am episode two obi-wan kenobi uh anakin oh my gosh i can't even make references to can't even make nerdy references right now i'm struggling so much i'm about to go slaughter some younglings i can't i don't know what you're talking about yeah it's okay bank of america 402 dollars 44 cents purchases 600 let's see what those are 500 limit we're at 402 we spent 603 ruined my entire life now 25 minimum repayment fantastic great interest is accruing lovely is that my credit card oh good we're going getting some taquitos from the market we're getting some panda express go to raw stores i'm gonna show glow compete it compete it compete it competition competition you're competing with glow glowing whoever glows the most no it's for wellness competitions they're posing clinics why'd you pay for that why'd you pay for that it's a fitness thing oh yeah that's about to be a whole thing you and your fitness i'm all about it do it it was ten dollars yeah okay but okay stop for a second let me finish my thoughts no let me what i let me finish so what i'm saying is that the people that are training you and teaching you there usually you have to pay three hundred dollars for each individual congratulations you couldn't afford ten dollars either way so guess what as we go through the statements you go to every gym that you've ever passed by every gym that you drive by i bet you're on your way back to houston you're gonna sign up for five austin gyms before you leave the city you have every gym subscription health and fitness i'm all about it i'll put it in your budget i'll put it in your budget when you are someone who's not doing well and you're trying to get out of debt because that is important you subscribe to every gym fitness thing ever no well we'll go through i might get a day pass here but we'll go through

27:21them specks is glasses right specks not uh liquor well never mind i just apparently i don't since i don't drink i just assume specks means spectacles so great yeah glug glug glug all the i got well whiskey for 16 and then i got coffee cool can't afford that i can't afford coffee like beans yeah okay that's okay yeah but you like went and got like some coffee from there they ground it for me there no well that kind of sucks you'd want to grind it right before you start your brew just saying you know i'm a i'm a combative little connoisseur here i like a good bean okay so but we're not trying to spend money what yeah because if not because i bought an espresso machine but then now you have to buy like the grinder and the little thingies and all that stuff and i'm not i just got my beans ground when'd you buy your special machine you're not gonna like it it's an investment oh shut the f*** up i bought it on black friday shut the f*** and i got you know it's an investment mr coffee for 40 f***ing dollars that's an investment because you're paying off your debt better coffee i agree but you can't afford to survive no no no no i bought it on black friday it was valued at 300 and i got it for 75 I got it for$75 And now you need to get the grinder Now you need to get the beans I didn't get it I just got my beans ground Yeah for$7 H-E-B will grind your beans for free I love H-E-B But Spex had whiskey Coffee grounds No whiskey coffee grounds Like it's a flavor It tastes good Verizon That's a big one $2 ,020 $20.17 in terms of a payment.

29:14Why the f*** you're not using something like helium for$20 a month? I don't know. But what the f*** is this for? So, I didn't... I had to discontinue my services. And I had bought devices. And so, that's the remainder of the cost. You leveraged devices. You took out debt for the devices. You did not buy the devices. Well, I was financing the devices. What devices? What did you get? Like the phone Yeah you got a phone That's not$2 ,000 a month Huh So I got the phone I had gotten my dad a phone And then he didn't He didn't like it So he broke it Instead of letting me return it What the f*** is he?

29:55A child? That's what I say That's what I have to say Then why are you supporting him? Because he's living like a homeless person And I felt bad I wanted him to be able to contact me That's enabling That's enabling I like that pen But that's enabling And then the other thing is my watch it fits your aesthetic thanks oh the watch oh pull that out pull that out look what you got you got the hiking biking watch you've never hiked and biked a day in your life excuse you what the fuck i'm just what you mean and yes i do gravel bike i like to hike i like to do all that outdoor stuff that's why i was assuming you're all glammy with the gold pen you look like go inside do the elliptical girl I'm taking assumptions the elliptical is what I like if I like to do any cardio you should sprint run I don't like to do cardio I think you should sprint run that's fun check this out it lets you give you timers and so you can do like 30 seconds at 12 and 45 I'll be honest I don't give a single okay there's so much more to get through your situation is wild than notes we have your life is like a interesting just a quick pause in your monday viewing experience to give you twenty dollars usually when you sign up for acorns you get five dollars for signing up but i negotiated for this month only with acorns that you get twenty dollars 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 you're trying to build up your credit score but it's only 65 it's certainly better than 500 so it was at 690 but with the two loans it dropped oh oh and then also we haven't gotten to like the other aspect of the vehicle is that i was trying to trade it and see if the negative equity would transfer over obviously they're not going to transfer over like 17 000 yeah no um so when i was looking into doing the voluntary possession the guy ran my credit to get the truck on its own i got approved but he ran like six reports like hard inquiries um so that's not the same category huh no they all pulled differently like they all reported differently um yeah separately well well for a car loan or what personal what kind of loan no for a car loan like with the dealership yeah Typically, it would only count.

32:31I don't know. Let me see your report. As he was running it. I think, what is it, 30 or 90 days after you apply for credit, you can apply within that certain category without it just stacking up against you. Like he was applying to different loan providers. No, I know. But it's like if you're like shopping for a mortgage, you can apply for a different mortgage. Yeah. Let me see. Every time, like it pulled all these hard inquiries. No, that's fine. But whether or not they're all counting is different That's like something individual This is also credit karma though So credit karma is gonna just calculate things Quit shit on credit karma No I love credit karma but they're guessing This isn't your actual credit report They're guessing based on things that have happened I mean it's pretty accurate Well have you pulled a free credit report?

33:17No How would you know if they're accurate? What are you? It was literally alerting me as he was pulling those inquiries I know how credit karma works well i'm just saying that sounds pretty accurate to me no i guess but it's doing its guess it's not getting the perfect credit score yeah either way okay i agree but pull pull your free credit uh report where what is it's like free credit report.com pull it you'll get your actual credit report don't do it now do it when you have the time to sit down and go through the entire thing because it's a it's a it's a thing but i have a job now so i know we haven't talked about it yet because this is taking forever.

33:55$10 ,000 of student loans for what? I studied multidisciplinary studies in business administration, digital marketing, and sculpture. One of those is not like the other? For curating. You graduated? No. How much schooled? So I transferred from one university and to the university that I'm in, the current city that I'm in. But I didn't like... How many semesters did you do? The time frame's not accurate because I had to do... How many credit hours have you completed? Probably like 90. Okay. Did you do like three years of school? Technically, I'm a junior. Yeah. But then COVID hit, so I stopped going to school.

34:46Because you didn't want to do remote? Well, as an art student, that's kind of stupid. And then plus, like I said... educational value is not as good remote you're right um in the end personally i look at college as more of an investment get your piece of paper than get your job but you're right especially for the things like that uh in person is certainly better i like school plus i didn't like the university that i transferred to trade school's good certifications are good i like tech ones to course careers there's a lot of good ways you can go about education there's a lot of good ways right now we have 10 272 which isn't crazy of 90 credit hours if i'm not mistaken are we thrilled no especially the five percent interest rate not super excited i thought that was good i want to see five percent or like less than five percent is what i try to go for for student loans my student loans are like two percent so i refuse to pay them off uh more than the middle monthly payment because you know my investment accounts are just like

35:50but you're considering i'm not mistaken from my notes but you're going to school you're considering going to school going back yeah going back okay why um so to to finish and um also i was considering using personal loans so up to now i've used subsidized so interest has not accrued especially because of covid um but with these loans that i had to take i'm looking to transfer them to get a lower interest rate and i don't know if that is a good idea just to make sure i'm understanding you're thinking of paying them off with student loans to transfer it over then i will pay the student loan what do you mean transfer it over i will use the the loan money that i get pay them you know if they find that out that could be like actual trouble for you because when they give you student loans it's qualifying for certain things student loans can qualify for things related to transportation and housing stuff like that well that went to my housing these are their own individual loans whether or not they will accept in their agreement that you are using the student loans to pay off another debt i would doubt now that relies on you getting caught even still and then what how are you paying for school if you're using all the loans to pay off the other well i get financial aid and then i would probably have to pay that financially you can mean a few different things pal grants yeah so why would you be getting so why would they approve you for student loans i that's how i've always gone in i've always gone and offered for the grants and then i've always gotten loan offers how much do the pal grants cover because you have student loans right now they cover you like from when i was going to school i used to like out of pocket i would probably have to pay like three less than three thousand out of pocket okay how can you do that you're taking out student you're taking out loans to pay your credit card minimums um are you paying three thousand dollars i would do both i would probably get like i would get offers to probably for like probably like twenty thousand and i would only take the subsidized loans buddy no offense but i don't think you know what your plan is here with actually an option with paying for the three thousand dollars because you literally drained your 401k the second time to pay off five thousand dollars and tickets i'm i'm trying to buy time because if they would be deferred and well some five thousand dollars worth of tickets and you drained your 401k for that how are you paying for three thousand hours out of pocket for school with the loans student loans you said the student loans were paying off these loans but i get more than that so this is debt for debt for debt for debt but at five percent interest versus twenty thousand dollars in tickets huh oh yeah so like happen like you said when you were talking that i don't think no you said i don't take responsibility but also as a child like how am i if my parents didn't set me up for success how am i supposed to be operate successfully you know what i mean are we about to have the excuse again where oh i don't learn anything from my parents so i'm incapable of doing anything like that's that's what i didn't say i'm incapable i would trust me my parents were financially the vast majority of my life i'm i'm very proud of them and happy that after i left to go to college my dad's small business started to pick up and my mom's nursing career started to do well and they actually live a good life now but the vast majority in my life no it was a struggle if we wanted to go out to eat it was something special it was something special i didn't learn budgeting their first financial tip for me when i was 18 was take out a credit card to buy a piano that i wanted good for you at least you had that at least you had that oh shut the what i am saying is that is not an excuse for my failures i then went out of my way no no i then went out of my way to learn what it took to fix my life to get out at 16 17 18 that's when you got these tickets yes because no one told me how to drive my dad my dad literally told me to go pick up a car and then he was like go drive it back to the city you're why didn't you ask like a counselor at school they're supposed to teach you how to drive no why didn't you ask a counselor at school hey my parents will teach me how to drive how can i learn how to drive i didn't know to do that okay that's okay but that's okay so it goes back to i don't think enough people approach their counselors for things that they probably shouldn't need i know i didn't i should have so that's fine um obviously i would have loved you to you know take a bus to driving school or something that's what i would have preferred so you ended up just picking up a car yeah he gave me a car he has a auto shop um but it had black plates and they're not supposed to drive them like 10 miles away from the dealership i didn't know that and then i kept getting stopped obviously okay well first of all what the after one stop that's it they didn't tell me they were just giving me um no tickets for no insurance and then for the vehicle not being under my name and then did you get insurance to get the vehicle under your name um i did my dad wouldn't help me to get the okay so why'd you continue to drive it though you knew that was incorrect and you were facing penalties because i had school full-time and i had three jobs so you know that i i find it valid okay you didn't know you could talk to the counselor your parents are not helping you and your dad said hey go do this and you took the advice of your dad that's great you do that but after the cop tells you here is a ticket that you now owe congratulations you're in trouble with the law because of this that and this you don't then go do this that and that and all of a sudden the excuse is no longer valid because you learned your lesson and you chose to continue so it wasn't until marf when i went to go to marfa that the border patrol agent that stopped me there told me about the black plates and made me aware of why i kept getting stopped so i i had already gone in several tickets from that time but it doesn't it doesn't matter though because you still didn't take care of what was necessary that you're getting tickets i didn't know how my dad had You didn't know why you were getting pulled over, but they still told you you need insurance and it needs to be under your name.

42:15That's what I'm saying. I didn't have the ability to do that. No, but you knew that you were getting in trouble for it. Yeah. So you don't regardless if you know how to then fix the situation, which, by the way, Google. But regardless, if you don't know how to fix the situation, you still knew that's why you were getting tickets. So stop bus. You live in a major metro. No, no, no, no, no. I was going to school in a border city. And the transportation there, the public, I did have to take it in Laredo. Okay. Well, Laredo is one of the bigger ones. No, the buses. Okay. Because so the time chain on my, on the car ended up busting.

42:57Well, I'm not going to assume Laredo. I don't know their public transportation. What I'm saying is a little better. Eventually I didn't have a car to drive and I didn't like, are you my dad? so i just bought a bike from um walmart and i was riding it until literally like the seat fell off the handlebars fell off and then i tied it up and then it got stolen okay and i was literally like running 12 miles from my house to school listen i i feel sympathy but this is again if you know you're breaking the law it doesn't mean that you're allowed to just continue doing it and the cop has to tell you why they are giving you a ticket they have to they said they only described they didn't tell me why they were stopping me yeah i didn't know the black again that doesn't matter it doesn't i don't give it why they were stopping you they told you why they were giving you a ticket yes and yet you still did the thing because i didn't know how to fix it matter doesn't matter you still chose to do it and also yes i didn't need to drive oh look i just googled it well at that time i was a completely different person no i mean that's fair all right for to an extent that it's fair you know i am beating up your past a bit a bit um and i have been very open and honest on this show that my past is filled with a lot of troubled things a lot of f***ed up uh you know f***ing up and just a lot of stupid things not treating people well and just all this stuff and that does not define me today what happened a decade ago what happened five years ago doesn't define me today what happened 15 years ago doesn't define me today same with you same with you so i will stop beating you up for this what you are today is all that defines you what you decide to do from here is all that defines you my main purpose of bringing up the ticket thing is because since you had to drain your 401k to pay for the five thousand dollars that's why i'm concerned like how are you going to in the future now pay for this three thousand dollars out of uh for school and i guess you said for student loans so we can move on yeah you're under the PSFL program, but PSLF program.

44:55I always say it wrong. Yeah, that's how right now it is. The loans are deferred for 12 months. So basically I have 12 months to figure out. It should say it on there, but around January. But I have 12 months to figure out what to do with them. If I go back to school, they will continue to be deferred. So that's also another reason why I wanted to go back. Because before all of this, when I was in San Antonio. No, don't go back to school just because it continues to firm that's stupid yeah but it also goes ten thousand dollars isn't like an insane amount of money it's like a hundred bucks a month and if you are actually properly working that is not a make or break what i was gonna say is when i had the job and when i was in san antonio i was already getting ready to pay these back okay you owe an energy company yes and it was 200 and then because i disconnected they added a 200 disconnect i paid it and when was this um i don't know and like i just 402 dollars 18 cents let me just try to get through your finances my guess synchrony didn't we already do synchrony no great so you have nothing available to spend you're over the credit no those are closed they closed because when i was unemployed not good those are my favorite that's you know that's the stupidest thing you've ever said in your entire life what do you mean that favorite credit card yeah they're taking advantage of you you're not taking advantage of it you are not a credit card person i don't give a shit that's your favorite credit card is you're getting what do you mean you're getting what do you mean do you see that late fee that just happened what do you mean one late fee okay calm down and i could have called to get it taken off late fee is one late fee is all it takes to not be a credit card person you failed it interest were accruing on two cards because i was unemployed your credit cards were closed you failed it i was unemployed yes because you didn't sacrifice previously in order to have a full and kiss someone's ass stop interrupting me you didn't have an emergency fund you had an emergency fund you could have paid for that if you didn't quit a job without a backup you could have paid why are you slamming the table if you didn't because that's what that's what i do that's like welcome to me no you don't like when people slam on the table.

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48:30And then you're also fired from a job because you fell asleep, which is a very reasonable position for a company to fire someone synchrony those are emergency credit cards those are emergency credit cards and that's why i like them but i wasn't paying on time so they did close me out emergency fund 1323 dollars 45 cents where's rosa huh where's rosa uh hanging out with our video editors mika really likes dogs so do i i wish she was in here but it's okay do you want to hear about that poor decision oh sure so that that so prior to all of this i was on track i was paying everything i was doing good but i had made a lot of poor financial decisions rosa was one of them she was six thousand dollars really well i love her she's awesome um selfishly i'm glad you did it financially for you i'm sorry yeah i don't regret it i love her no it's i wouldn't do it again sure yeah sure sure sure but i mean dong man's best friend yeah wouldn't regret that you have pup insurance no i'd get dog insurance because something happens to rosa it's gonna cost thousands of dollars well that's what that card was for because that's not how that's not how that's let me tell you the story because she bit my inhaler and then she got albuterol poisoning and that cost me two grand yeah get dog insurance so it costs you 200

50:08who else would like to die right now just me oh calm down i'm not even the worst person on here 697 dollars 88 cents and so those are on auto draft but the interest is literally like half yes welcome to credit cards and why you sue you should never use them i am a credit card person i pay them i just got unemployed you know what i feel no desire to continue this conversation you just said you're a credit card person i think so yeah i have all the other credit cards that i have that are paid off they are they are two of them are accruing interest and one had a late payment so shut the ones that you didn't see those are at zero there's a checking account here with a bunch of bull spending there's you getting kicked off a lift why are you kicked off a lift there's all the sex and stuff you're spending 200 hours a month on various gyms for this there's so much more we could go through that's just absolutely ridiculous the fact you just said that is a joke look at you what is that smirk what is that smirk you're being dramatic you're being oblivious if you think you're a credit card person oblivious to your reality and the fact that you consider yourself a credit card person the fact that you made so many excuses for so many things and sounds like you're gonna make dumb decisions with your schooling i have zero confidence in what can i do to help you going forward i don't know this is upsetting going through getting some tie market suits by jody taquitos cash app and our money cash app and our money a vending machine you don't want to shut the apple taquitos you didn't get cash shut up apple cash app cash app clarning and something starbucks taquitos oh my gosh what what do you want i'm just trying to read some documents i good is this how any conversation with you is i clarna'd she in thanks for interrupting me for that that was necessary what did you spend a thousand three hundred eighty four dollars on walmart for rent from walmart yeah i get the money order starbucks church's chicken very necessary we can't afford our bills and have to take out 30 debt in order to make a 25 minimum monthly payment on our credit card.

52:38This is so smart, guys. Taquitos. Taquitos. You do keep the change transfers all the time, but guess what? Your balance is too low, so it didn't allow you to. Cash out money. Apple money out. Taquitos. Some tostada. Tostada. Apple. Cash sent out. Keep the change transfer. We're transferring it, but it all comes back in. There's one of the gems. There's one of the gems. We had one of the gyms on the last one. And Henderson Cain and Cash Happen Out. Henderson Cain, Cash Happen Out. That might just be a repeat from your screenshots. Vietnam Kitchen, Vietnam Kitchen, Vietnam Kitchen. Dumplings. Oh, my gosh, I'm turning into George.

53:23That was a George sound. Kill me. What is my life? Street food, taquitos. Another gym. Cash Happen Out,$25. Maintenance fee. Laughter is pissing me off. These are your f***ed up decisions and you're laughing about it? Shut the f***. Oh my god. What? Have you ever had anyone in your life sit you down and actually give you any sense of reality? Ever? No. Yeah, that's apparent as f***. Well, I'm sorry, I didn't have that. But then come into this conversation and just f***ing take it in so that you can improve your life. And then instead of just sitting there like a smug. Bad word. well you're just a little dramatic selling out money keep the change gonna be transferred because you had nothing in there cash money shut the f*** up let me get through the document for

54:23sake little caesars taquitos taquitos people are gonna think i'm being so mean at this episode they just have no idea what it's like to say right here oh they have no idea he is mean huh I said he is mean. Savings has a little bit of money. It was mostly from the thing that you took out the loan. So I was just sitting there. And I have$1 ,000 in this Chase account. Great. They're taking out the loans. Stupid. You threw my pen. No, don't pick up her pen. Yeah, pick up my pen. You picked up my pen. You dropped it. You're capable of doing anything. Okay. That was funny. That was funny. Now you can pick up both of our pens.

55:13Shut the fuck up.

55:17What? What the fuck did I do with you? What was that stare? I don't know what the fuck did I do with this creature in front of me. Look. What kind of creature am I? I'm sorry. I'm just losing my mind in this conversation. It's not even that bad. It's like a quarter of some of the other people. You know, it's not about that It's about your actions and what you're doing. I had no choice. I giggled for a second I was happy for a second and you just you just had no choice Honestly, okay. I'm sorry. I hate to do this people think it's for drama That there I can't get past that I can't get past that and yes this is a real human being there are actually somehow people like you out in this world and it's insane I don't know how we're even surviving as an economy and culture this is crazy I'm gonna pet your dog to calm myself down but I would like you to leave this studio I'm gonna go in the other room and just like get on my phone and like melt away from this insanity this was a joke you're being a joke and I'm being an insulting little right now because I'm pissed.

56:29The fact that you can't, after all that, you couldn't wake up to anything? Go. Okay. I'm done. Let's save it for the post show. Let's say hi. Oh, yeah. Today on the financial audit post show. You asked me a question. I'm trying to answer you. Okay. Absolute creature. She says, you know, I don't know how to use Kikos. Maybe, maybe she's not using the credit card since you don't know how to use them and you're like, I'm going to use card cards. I'm really good with card cards. You're not. Huh? I think I am. Oh, there it is. There it is. To watch the Financial Audit post show, click the join button below.