I Had To Call This Failure's Mom | Financial Audit

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. That is so stupid, irresponsible, borderline disgusting. As a parent and as a partner, that is... I feel a little called out right there. What the f*** do you think this show is? Hey, this is Miles. I am 25, based out of Lake Mary, Florida, and this is Financial Audit. Welcome over to Austin, Texas. What do you do for a living in Florida? I'm an IT consultant right now. Okay, cool. Could be a good industry to be in. What are you making? I'd say typically like last year I had made about like 65. And then this year I'm probably trekking for like 62 after taxes paid.

0:46Okay, so is it based on after taxes paid? Oh, okay. So this is a contractor job. Yeah, it's a contracted job that I consult for. Makes sense as a consultant. So with that, it's hourly based then? Yeah. What's your hourly pay? I get 28 an hour. okay i'm typically working about how does that stack up for most it consultants 28 an hour honestly not that great i'm kind of i'll be honest i'm a little low-balled i probably should be getting more in like the 35 an hour maybe how long have you been in the position uh for with with them consulting for them uh since january oh okay well job before oh you lost your job what happened well uh what was the job well i had worked at at mitsubishi and basically um i had some issues with the vice president uh director she's kind of an issue and they ended up you know giving me the boot okay yeah that's very specific were you in it there yeah yeah i did i did it there for about two years and then yeah the average is about 38 bucks an hour for it consultants in texas and florida but it's pretty it has i'm assuming it's pretty similar anyway so with that you know 25 versus 38 you know on that upper range it's like 46 to 61 and then the lower range it's 26 which is only 28 so that's a little oh yeah yeah yeah 20 i was reading your age yeah okay cool so obviously i have a lot of debt we have a lot of things what is going on so basically uh what it all kind of happened is i never really took my finances too seriously because like my parents they like had a pool well they still have a pool resurfacing business okay and uh essentially for most of the time i was renting there for about 500 a month yeah in orlando uh no no i was renting at my my parents house okay they were letting me stay there for 500 a month and it was in central orlando which is actually extremely good for what the market is over there sure they're your parents okay and then uh essentially uh they would kind of just always come in whenever they felt like it they would just you know never really uh let us know when they were coming over to the house even though i was paying the money and we kind of got into an argument where house i mean okay so okay to be fair i mean even though i'm giving them i mean if i'm giving them 500 and no of course i would love respective boundaries and stuff like that but it's just like okay fine it just seems okay go ahead and then so that had happened and i basically told them hey uh you know i'd really appreciate you guys give us a call you don't have to you know we don't we don't need permission for you guys to come over come over whenever you want it's your house girlfriend or roommate yeah it's me my fiance uh she was uh and our baby uh which our baby right now yeah yeah yeah a little nine month old oh two little girls so this is also recent this story yeah yeah this is yeah this is pretty recent and yeah so essentially it gave them that conversation they told us you know we'll come ever come over whenever the f we want you have a problem you need to be out by by x date and then they kind of just kept coming by and harassing us all the time okay what's harassing harassing is like like straight up like they came over and they gifted my sister uh tv that she was living with us too at the time okay and they gifted her a tv and then they just came came into the house while we were watching ufc and just just straight up took my tv and like walked out your hudson well i mean the tv in the house that we were watching the one that they gifted yeah the one that they gifted to my sister but then they took it from me while I was watching it.

4:39Okay, just to be clear, I asked, so what's going on? And right now I'm hearing about a TV that gifted and taken away. I don't think all the missed payments we're about to go through is because the TV got taken away. What are you on about? Guys, it is finally time. I've been building this thing out for six months and now I finally get to share it with you all. It's investing time, baby. I worked with professionals across the board and mixed in my own philosophy to create what I honestly believe is the very best investing program that can be found anywhere online. Right now, you can join for$97 until the end of this month, or it'll then go up to$147.

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6:58Then all of a sudden we went from a TV was gifted that was taken away and I was forced to move. What the f*** forced you to move? What forced me to move? That was a jump. It's because when they took all their s***, I basically found anything in the house that was, you know. They took all their s***? Yeah, they took the TV. They took a trash can. Is it theirs? Yeah, it's theirs. Okay. So they needed it for something maybe. No, no. Maybe they weren't properly communicating. Trust me, they were being petty. they're being petty petty about what for why because of the fact that i said that i want them to call before they come over and not just come over what is your relationship with them they're my they're my parents yeah no what's your relationship with them like uh it's not great it's not great doesn't sound like it's a little it's a little toxic okay let's not pretend you were probably a perfect angel though were you no no i definitely might have reacted in ways that have not been the greatest and so temper transforms oh you know you know but basically it led to an eviction uh paper well yeah i don't think it was a real eviction they just kind of like put eviction papers on like all the doors all the windows they did yeah my parents yeah that's weird instead of just having a conversation while i have a baby oh i'm proud of the baby thing yeah and then so at that point so like okay i i first of all i mean we're hearing your side we're hearing your side so it's just like sure you know maybe there's maybe they didn't want to enable some kind of behavior they're seeing you know maybe there's all this different stuff maybe you're being spoiled maybe they're just pieces of we don't know we're only hearing your side but even still it's it's it's the the eviction paper versus like a conversation especially when their grandchild is involved that's that's a bit weird i'll be honest regardless like there would have to be some major context missing for that not to be weird okay so you got the eviction papers and then at that point uh it said that you know to be out by november and so i kind of just had to i was like okay i'm gonna find a job uh place near my job sure got a place and then within that same month uh a co-worker had basically uh got in my first face cussed me out and why though come on it didn't just well because no one just shows up well because he was trying to he was trying to break a law and then i was just like well It's like a security privacy law.

9:30Okay. And in that, it's like a security privacy law. It's like this basic IT thing that you follow with how you move data between countries and different companies. You know? And so I said, hey, this different company that's trying to access our data for our company in this country, you know, they're a foreign country with a foreign company trying to access our data. We shouldn't do that. And you said it just like that. Huh? I did. I did. And then he told me to mind my business. And then I told this old man, I said, well, if you didn't, you know, if you knew. Where is this going? This is one of the biggest opening stories.

10:12What are we? Ten minutes in. Where is this going? It's getting there. It kind of just happened. If you're going to tell the long story, at least tell it into the mic. It's a dominant. Look, it's a domino effect because, you know, I was like, okay, let me move to Mitsubishi. let me move closer to my job and then got an argument with a co-worker i tried my best to do things the right way i told my boss perfect saint okay i was i was like you could like you know in the whole video i like he yelled at me i kept my composure i went straight to my boss and then were you fired yes yes that that was the car company uh yeah well it was a power company oh sorry i thought it was like mitsubishi power they do power oh i was thinking of the car no Okay, okay, cool.

10:57Sure, but you're in a better job now. So just why, where are we today? That's like, what is going on? That's what I asked. Well, I guess I was just so, okay. So after all that, you know, spent a bunch of money, spent a bunch of money on like, you know, move. Starting a business can seem like a daunting task unless you have a partner like Shopify. They have the tools you need to start and grow your business. From designing a website to marketing to selling and beyond, Shopify can help with everything you need. There's a reason millions of companies like Mattel, Heinz, and Allbirds continue to trust and use them.

11:29With Shopify on your side, turn your big business idea into... Sign up for your$1 per month trial at shopify.com slash special offer. Moving, getting an apartment, putting in down payments, buying a motorcycle, and then what's it called? What? Okay, I don't think that's necessary to live, is it? I needed a way to get to places. You didn't have a way to get to places. Well, I did have a Jeep, but I had to sell that Jeep because the insurance was really expensive and the gas was like$100 a week. How much was the motorcycle? It was like$4 ,000. How much was the Jeep? Did you get for it selling? No, my parents bought it for me, but it was like$18.

12:14Who got the money when you sold it? I got the money. How much did you get? i got like 13.5 it was a leak in trend it had like where'd it go where'd the 13.5 go then uh i bought a motorcycle and i moved this is okay well let's give context to this because this is i i'm gonna cut off your story i'm gonna cut off your story because let's have context like numbers behind this because what the well first i always want to hear someone's own interpretation of their own situation, give yourself a score of 0 to 10. 0 being the absolute worst finances possible, 10 being the absolute best finances possible.

12:54I say like 6.

13:00Easily. Easily. Yeah.

13:05If you want your Hammer financial score and you're reasonable about your expectations and not expecting something stupid like 6 if you have all these missed payments, It's free. It's in the description below. Why a sex? Well, I have a good amount of money saved up. And my rent is paid on time. And I have food. Okay, so basic requirements for the rent and food part. What's the money saved up for? Part of it is for taxes. And then part of it is just because I was so scared when I did lose my job because I didn't have any savings at the time that I just... How much is emergency versus taxes? I'd say like I'd say like a third of it is going towards taxes and then the other two thirds I'm probably pocketing from what my from what my finance app thing that I use tells me pocketing for savings well not pocketing but like I keep it in okay I'm curious why we have like I'm looking at this if there is like a couple thousand dollars in savings or so which okay cool what why do we have a late fee on the first card i'm looking at what do we have a late fee on the first card if we have actual money sitting inside you're blessed compared to a lot of people that have been on and there's a late fee doesn't make any sense doesn't make any sense well 37 37 dollar fee with$26 of interest this card the balance went up shocker because of that so what do we have bank of america everyone loves them$1 ,129.50 again for your income situation fiance right not married yeah fiance how does she contribute to the house does she yeah well i mean she keeps the house clean okay so it's like uh what huh i get my dindins and stuff so oh okay so she does not bring an income is what i was asking yeah yeah trying to ask okay 73 dollar minimum payment i'm pretty sure it's normally 45 but late fee for payment due 37 dollars and that's not your only one this year so far we're not even halfway through the year there's been two it's been two why do you have a little bit of money sitting on the side more than most people on the show but you have leave fees not everyone on the show has late fees why aren't you paying your damn bills if you have the money you have a kid because man uh well what well see the thing is the thing is the i want to have some kind of like money no side if something happens why are you not paying your basic bills six out of ten because i want to make sure that i still have some money but you're not paying your required bills like that comes first like you make the bill payment and then you have the leftover money you're just you're skipping step one pay your bills but i'm gonna get to it you're not you have you've had two this year that little smirk what the fuck is that sorry no i guess you know well because i'm just like at least i have the money and then once i i will you know at some point pay it i just need to figure out how am I going to pay it?

16:29What do you mean? You have the money. Yeah, but then like what am I going to have if something happens to me? This is literally making a$45 payment. If you have a few thousand dollars set aside, you could have made a$45 payment. But I need to make sure that I have savings. How are you not receptive to that? How is that not like making it? How do you have to be so... Humans, including all of us, including me. Defensive, defensive, defensive. But how? That is like the most basic thing I think anyone could ever say if you have a few thousand dollars you can make a 45 payment how are you how is that how does that not make sense to you because it's just like then i'm not gonna have it what 45 dollars yeah that's what's gonna make or break when you lose a job 45 dollars you surviving is 45 dollars you can make a you can make a week groceries out of 45 dollars i get it uh oh okay are you like really hard-headed just naturally uh your fiancee do you guys ever talk about that your parents well my parents for sure yeah yeah because you're you're very

17:37you're being quite hard-headed with this part of the conversation well like how i i don't know how you just haven't been receptive to that. That scares me. It's just like, I guess it's hard for me to see the benefit. It's a responsibility. You're a parent now. You're a parent now. And I guess from my perspective as a parent. You want to see a benefit? I'll show you a benefit. You wouldn't have these fees there. You're losing money. That's a benefit. Not dealing with the consequences.

18:16that's insane what is this what even is this what is this yeah that's my that's my affirm i use i like affirm though great yeah they love you are these all zero percent no then why do you like it because you like it okay see and then you were talking about how much i was spending time talking about some tv and home story but now you go there you go now you get the context oh you had to go get your tv you can't live without a tv how am i gonna watch ufc uh phone you have one of those i do but i like to have the boys over okay when we watch it whatever we all just gonna cuddle up with each other and watch it on my phone sure be a little gay they probably like that too yeah and go to their place your place is the one with the screaming child i'd rather go to someone else's place hey hey my kid my kids chill she's cool peoples don't bother nobody okay but still Come on, that's not a good...

19:12Oh, you're a f***ing little smile. You have a great smile. I hate it. Because it comes out in the wrong times. You know, my fiancé says I have a s*** eating grin. Have you ever heard that saying? You have a s*** eating grin? It's a great thing to hear from a fiancé. Sure. All right, all right. Back to the TV. Back to the... Well, you don't like getting called out for your little... Your little... Your energy. Your way of taking on life. I think that might be an important part of your story. it's a pretty chill way about living life yeah but that might not always be the best thing well i know people everyone comes into this conversation and they literally they have an idea in their head where the conversation is going to go but i always see different things than they expect me to see that's how it always goes and then people are taken off guard it's like i don't know you have an energy about a way you're presenting the world it's just like i don't know it's just so many things that happened throughout this past year that kind of just led me to being like you know throw it throw it on the credit card or or i can't pay this bill because i need to make sure that i pay for this do you have a kid now though and that's exactly why i have money in my savings no which i get that i get that part that doesn't mean we don't pay our bills and start having you know people coming after the bills it's just like how how do why this is like i have the money maybe okay maybe we need to get through it have a full financial picture so i can like literally show you i might have to show you uh so walmart is that the tv yeah um okay how much is left on that uh that one i'd say like oh actually four hundred dollars yeah the total of firm balance is 1 371 19 uh ncs pearson what is that that one that one i'm pretty proud of because this is a good thing it's an investment in myself um getting uh since i do it consulting i wanted to get myself a certification that i've been actively studying for that's great no i'm good about it but you you financed it though but they're like i don't know what these interests are it's the test is like it's like four or five hundred dollars and i just don't have four or five hundred dollars to spend i could have gifted you an it certification through course careers they're my boys i love them they're great and i'll still gift you one but i guess you've already purchased this as well so yeah maybe i'll take another yeah you can take another i mean it's how's the it consulting business well i mean it's always good for just you know boosting resumes and income so that's good but okay the financing i'm not the i'm not against the education or things like that i'm against the way you went about it because again it's not like you didn't have money either i mean you're really a finance everything and make those minimum monthly payments stack up kind of guy so let me calculate these minimum monthly payments a little called out right there because now i think about it kind of what the think this show is then universal my fiance kept complaining about she had nothing to do and maybe she should get a job sorry that was no uh listen okay well you know it was something for her to go do with the baby you know so they could go she could go baby what is a baby gonna do at universal look at the little creatures little thingies they won't remember it it's under three there's pictures pictures are nice pictures are nice and you can't even smell them in the pictures so like i'll be honest maybe i didn't have to get all three you know like i didn't have to get myself one because i'll be honest i never i never go i'm always working well i actually think just you know from the overview of your situation that i kind of have i honestly think you could do a decent amount of this stuff if you literally just paid for it's again you're paying interest on these what are the interest rates i'd say like honestly all of them are like in the 25 to 30 range see that's that's stupid that's stupid that's stupid why doesn't she work by the way is it to take care of the kid yeah oh then that's great that's great and if the house can afford it it makes sense so okay that's okay cool uh so Oh, yeah.

23:10Sorry about that. I hope we can afford it. I guess we'll figure that out. If you need to have a money talk and you don't have a kid, that you'll bring here and make my place sticky and stinky. Which you didn't. Thank you. It's back in Orlando. Kept it back there. Thank you. Feel free to apply. Calebhammer.com. Slash. Apply. Okay. So, minimum payment is like$127. Something like that. It was a little hard to tell. Oh, here's more firm. Oh, yeah. that just kind of goes into like the percentages oh are these the same ones yeah those yeah those are just showing the the like how much but you don't know your interest rates man whatever this one was i don't i don't know which one this one was but it's at 36 percent 36 percent when you again have a little bit of savings what are you just you're not winning anything in a high yield The savings account that you're in is at like 4.4%, I think.

24:12Buddy, this is at 36%. Which is a bigger number. It is a bigger number. So how does it make sense? And again, you're right. Let's have some money set aside. But if you're doing a$500 thing as an investment to create a better income, how does 36 % interest on that make sense? because a network engineer can make 85 000 something about 85 000 you know i know no no i i just said that part was good how does it being on 36 make sense when the cash is there i guess in the moment the way i see it is just like i rather have the cash on me you know it's there okay well yeah we got that i get that hopefully we can show you in the end that what you're doing either makes sense or doesn't make sense the other thing one of the other things you financed again i don't know which one this is but it's one of the three farms this one's at 30 imagine getting their tv at 30 percent that's insanity it's not even that good yeah how much was it oh i think it was actually the sucky part is how much was it it's like a 400 tv that i'm 600 bucks for bought it oh well even so you could have just bought it guys i'm super excited to share what feels like a total life hack that is all about putting money back into your pocket.

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26:58then the the this other one's at 36 again i don't know if this is the universal you're just you are the buying we just did a story on our new show your week in money um about the prevalence of buy now pay later it's not a firm but one of the other ones just got like record profits and their stock is soaring and they're about to go or they're about to do an ipo and their stock's going to sore it's because of people like you you're just buying out pay later in everything and they're getting a literal 36 return on every single one of their investments with you that's crazy you're just you're making that money you're their perfect product it's incredible you're literally you exist right now to give a firm 36 that is not a life to live yeah it's so bad especially since we're talking about the interest that's accruing on that could be going towards a college fund for your kid could be going to paying for potential daycare eventually saving up to do like after school care if both you know parents want to work at some point and i do want to do that i just don't know how i go about making that happen i'll tell you not how to not by losing 36 on all of your purchases like you're you're extending the price of your purchases by 36 if you want to think about it that way okay oh god amazon chase bad one yes yeah that one that one i think is like one of my worst ones and how do we how do we get in this place in the first place so the balance is at 5145 how did you get there because that's a lot of money it was originally just uh using it for groceries like i go to whole foods and then i get my groceries and then i pay it all right back as soon as i did that and then uh something had happened in which my fiance had to go take care of uh her grandparent so she was there with her for like a couple of months okay and so i had to pay for my groceries and then groceries for my fiance for her day and then i then i on the weekends i drive out and like i told you in that jeep it's crazy ass dude so you couldn't budget this in have you ever done a budget like not really like i do a fake one in my head but oh that doesn't work okay go through our budgeting class every guest gets them for free go through our new investing class as well because you literally you get you get a hundred dollars a free hundred dollars for going through it thanks to mumu so we're gonna give that to you but you need to learn how to budget man i can't believe you never budgeted i just i get scared even with the investing stuff man like one time I got some advice to invest in Alibaba.

29:38I had invested like three grand into that. And then... You're not going to get that advice from ours. Who advised you that? It was like a buddy of mine. Yeah, listen to the buddy, especially the day trading buddy. Yeah, I ended up with it went from like$3 ,000 to just having $300. I haven't really touched investing since then. Do you not have a retirement account? uh no i don't this is your best decade of compound growth that money in there just continues to grow hopefully you know if invested correctly doubling every seven or so years seven to ten years that's the time the time you're losing and that is so you can be set up for success so that you're nine month old who will eventually be like 35 when you're trying to retire or whatever they don't have to forcefully take away from their life and goals to take care of their parents who were never responsible enough to take care of themselves it's time now you you went from the young adult get the life to nine months ago you're forced to now actually make sacrifices for on behalf of other people and that's really not an option at that point the kid didn't choose to be brought into this world it and and you're right i just it's just different you know i don't i don't know where or how to start so i kind of just ignore it and i'm just like you know i'm just gonna you know if i could pay the bills make sure we have a roof you're not paying the bills you're not paying the bills you had a mispayment you had a mispayment let's see oh good a mispayment on here too yeah so paying the bills you're not paying the bills you're not being a responsible adult you're not being a man well i paid it a week later you're paying them late and then you're paying extra fees on top of them how long was your uh fiance there with the grandparents i'd say about like six months so 5 000 hours worth of groceries in six months well then that's not including gas 5 000 hours worth of groceries and gas in six months

31:45and the cat well there's this thing that no no the cash because you could get cash advances and then i'm using the cash advances for never cash advance well i didn't realize how horrid the cash advance interest was why how i because i kind of was just like oh i could just pull the money out you didn't think okay and so i was just you know buying no way that's a new one that's a you get a special little reward for that stupidity You got your cash advancing at like 30 % interest rate to buy. Not anymore. Not anymore, but you did. I did. That's insane. How much do you spend on? I'd say it could range anywhere from like two or four.

32:40I'd say like it could range from like$200 to like$300. Now? Yes. So to be clear, your big fear that you've been telling me since the beginning is that you might not have enough money for you and your family if you get laid off but you're literally willing to spend 500 hours a month smoking shit storing your lungs that's obnoxious it's the dumbest thing i've ever heard in my life you'd rather spend five thousand dollars giving yourself lung cancer instead of making your payments on time that's the most immature 15 year old dumb thing i've ever heard in my life that is so stupid irresponsible and childish borderline disgusting as a parent and as a partner that is that is your entire reasoning for never getting things in cash and financing them at 36 % is because you needed money to survive on the side but you're willing to spend$500 on your own lung destroying smoke gross and I have nothing I have nothing against whatever vice someone wants to do we all have our own vices but that was your reasoning for missing payments that was your reasoning for getting 36 % interest because you were too afraid of not having enough money on the side and now we know$500 a month literally goes to child I'd say more$300 you said$300 to$500 either way$500 is too much if you if you can't make a minimum card payment of 40 bucks that's an eighth

34:28but no you're you're right okay i thought you're trying to piss me off no i'll begin a little bit why why that's stupid tell me tell me right now why are you here why are you here give me like an actual reason why you're here because i want to i want to plan because you keep telling me to like do all this to pay my bills but i'm just like all right how do i pay how do i pay them have you ever seen this show yes i seen i see because you apply through being a part of the audience yes yes i've seen the show plenty of cool so you know we go through the documents first to get a full understanding of your situation you sitting there being a smart doesn't help anything and then we get a budget at the end then we send you on your way we do a checkup in multiple months we answer any questions you email in we put you through our budgeting program our investing program we help as much as we can and you get the help you get the help that we try and you're being a smart ass sitting there when i brought up probably one of the most egregious stupid things you do with your money stupid what the dumb dumb irresponsible not a parent not a partnership type of thing do you sit there oh it's an eighth like a child that pisses me off that's dumb that's dumb so shut the up i'm gonna go through this that's stupid We can shut shut for a second.

35:46I know I'm being a dick people are probably not gonna like it But they don't know what it's like to send in this have a smart that that's stupid Off have you ever had to deal with people like you have to deal with in IT You asking if I ever have to deal with people have you ever seen this show, but I have people like you on So yeah, I deal with people and you might do some good with some It makes me very anxious gives me panic attacks see hey well then you probably went with a sativa should have went for the indica or indica leading shut the way shut for shut the f*** up for a second i'm gonna go through this card shut the f*** up for the second for a second shut just shut the f*** up your minimum fee payment normally what's your i don't even see a f*** around here oh the credit limit the credit limit is 5 ,000 or 5 ,145 and that's you're above the credit limit $40 of fees $116 of interest $118 sorry Oh and purchases $15 of purchases Minimum monthly payments Probably$150 But you Purchases Yeah purchases I didn't even realize I put anything on that card Probably subscriptions Amazon Prime something Oh Okay You ordered something Noah you better have something good In the post show Cause I'm about to Break this table in half Oh, we're playing Fruit Ninja with a sword.

37:11Good, I need to slash something with a sword right now. So, thank goodness. Can he be the fruit? No. We murder him. We murder the guest the first time. Sorry. Oh, and this isn't even your first time having a late fee this year so far on here. Of course not. Of course not. You've had maybe three. Maybe three. Maybe. what a silly obnoxious stupid card

37:43you're obviously not a credit card person just like anyone on the show you should use the fizz card it's the only thing that makes sense for you you're forced to pay it off and it still builds credit that's the minimum monthly on that one less I think I just paid it before I got here is $3.75 Yeah, that's because you had missed payments. Those are extra added on top of that. It's probably like$150 normally. I didn't know that. Yeah. You see the consequences of not being responsible? You see them yet? You have to pay a bigger fee. Bigger minimum monthly payment. Oh, what is this? Florida Career College?

38:21Is that where you went? Yeah. I mean, hey, it got me five years of the career. No, I'm okay with that. I don't know the college. What I don't like is$2 ,373. They're giving a third attempt notice trying to get. You still owe them money. Did you get the degree? Well, they never gave it to me. Because you haven't paid. Well, because, see, when they called, they originally said, when you finish the cert or whatever, they're going to go ahead and give it to you, the diploma, or whatever, at the graduation. If you pay. No, no, no, no. They said you get it at the graduation, right? And then after you start, you start going about your payments and stuff.

38:59Right. But I ended up not going to the graduation because I was just like, I don't want to do it. I don't care about any of that. I just want my things. And then they're like, OK, well, you just got to start doing your payments. But I'm like, well, how am I going to go get a job if I can't show them that I completed the damn course? Just put it on your view. Do you think people actually are like physically come in and bring in your certification? Put it on your resume. At the time, I thought they would check because I was about to get a job with Dell. And I wanted to prove it to them that I did something.

39:29And then they're like, oh, well, we're not going to give it to you unless you start paying. And I'm like, I'm not going to start paying until you start giving it to me. And then they're like, well, we're going to f*** your credit. And I said, f*** away. Yeah, that's what a responsible adult partner and parent would say. I was like 20 or 21. I wasn't even a parent at the time. So at the time, it felt like a very reasonable response. Reasonable? You consider that reasonable? Yeah. Just give me the product and I pay for the product. But it was probably in their terms and conditions. You smoke so much shit on a monthly basis, I doubt you're f***ing able to comprehend what was going on.

40:02But my other friends that literally took the course with me got their diploma because they went to the graduation. But just because I didn't go, I have to now pay. Okay, I get that. And maybe that's just how it f***ing works. Literally, you probably just had to make a minimum monthly payment. Just like one and they would have sent it or something. But you weren't willing to do that. You weren't willing to just f***ing just grow up. because they were one in the whole oh my gosh it's not a type of situation buddy it's just do it you paid for their services they provided the services well you said you'd pay for the services and then you didn't and they're not delivering the final thing i'm not surprised i wouldn't give it to you either if you didn't pay me for the thing you were supposed to pay me for and i'd be clear and at the time and see the thing is like now i know that i have to pay it here's another excuse and all of a sudden because yeah you know you have to pay so you're gonna pay for it so that's why i did it who my parents were like oh another go to school and we'll pay for it so i went to school uh honestly they just kind of like they said you work now you make money you pay for it so i was just like so i kind of just got stuck with the bill when the whole time i was just sitting there expecting okay it's just going to be taken care of okay and it sucks it didn't whatever we're just gonna take your full word on that because you know no one else is here to what if we call them right now would they agree yeah yeah but i mean it'd be in spanish so i don't know how how good that would be i have someone here who can speak spanish no you can you know what if you want to we can we can call if she answers because she can tell you that you know she said she promised she would do it yeah she said she was gonna promise to do it and that she was like she's like go ahead put my card on it we'll go ahead and get the get the auto They put their card on it?

41:47They said that they were going to put their card on it. And then, like, you know, nothing kind of came up after it until as of recently that I started getting said, like, hey, you got to pay for this. And I was just, I didn't even know that it wasn't getting paid for. We have a hero here. A hero that works here. He goes by the name of Puerto Rican Dump Truck. Because he's a Puerto Rican with a massive... That's for the vlog people back out in the vlog days. we're gonna bring him in and we can call her up yeah yeah yeah i'm pretty confident she said you know she told me that she was gonna pay for it and take care of it but i used to have what seemed like a massive before i got fat i'm just buying time while noah goes you look a lot of smaller in person that's what everyone says that's what everyone says and then and then i'm like i look like on camera to people but let me tell you let me tell you i was fit and my was just as big delicious lumpcious oh if it's not the sword from the post show oh so you speak spanish yes uh hola

43:07sorry no no i wanted to absolutely um so we need to call his mom who only speaks spanish and confirm no one told me to bring the sword what is this for just intimidation oh okay cool we're gonna use that um but we need to confirm with you need to like hey i'm from this show um can you confirm that you promise to pay for your son's certification at college college certificate uh certification yeah i'm with it i don't have my phone on me oh he can no no it's that's okay I can translate, though. I feel like that might be easier. I don't know. Hello. Everyone say hi to Mika. He's been in the post show.

44:01He's been in the vlogs. He also edits your weekend money. Which is taking away time for it, but it's okay. Yeah, I'm taking... Sorry, bud. Yes, and they were asking me, because... Do you remember when I went to school? At Florida Career College? Okay, I don't know. And remember that you told me that you were going to pay me the school, but then I left it paying. Okay, well, I wanted to... because they don't believe me when I tell you that you told me that you were going to pay me the school. Is it correct or not correct?

44:39And you told me that you were going to pay me the school. Can you speak? She's saying you. She's saying you? She's saying you? that he was going to pay? Ask her why she hasn't. And she wanted... Right now, like... Like$8 ,000. Wow. $8 ,000. So, I'm going to try to pay it, then. She said that she's not going to pay it then, anyways. Okay. Why? And how can I do it to... Do it directly? Well, if you want to pay it,

45:18I don't know. I don't know. I don't know. I'm going to look at a paper. And in that paper there is the information. Okay. Can I ask you a question? Yeah. Ask her why she agreed to pay for it, but she's not paying for it. Okay. They're asking me. And don't get angry. It's for the show. And of course they're going to do it. But they told me, why did you say you were going to pay it, but you haven't paid it yet? Because I have a mortgage in my house and I haven't been able to. Okay. Well, he said, because I have a mortgage, so I haven't had time to get to it. So, she lied. Wow. But if you send me a message, you're trying to get me killed?

46:11Uh-huh. Okay, no, we don't have to do that, but it sounds like I would... One more question. Why did she take the TV? Okay.