I Had To Kick This Insane Guest Off Financial Audit

33:43It's like$900 something. $900 on the utility startup loan. Yeah. At 26.83 % interest.

33:54$900 owed on it. We'll say. I'm actually going to ride$200 because you said less than$1 ,000. So I'll just do$1 ,000. Okay. Okay, so middle monthly payment, it looks like on this, is$41.08.

34:08Yes? Yeah. This was just to start utilities. So. It didn't look as bad because it was only$41 a month. Oh, I guess I missed a debt loan. What is this? I have one that was like$1 ,200 and one that was$1 ,500. The$1 ,200. The mosaic? The mosaic was the windows. Lakeview is my mortgage. Oh, wait, what is this? why does it say horse oh you have a horse is this you have a horse debt what is a horse debt um what is a horse debt is it debt for a medical or is this for the even horse itself it's for the horse itself 200 monthly payments 200 dollars for the horse itself is the horse what do you mean is this a car no what are you talking about um so i bought the horse when did you get this from from my friend yeah in july um and for how much 4 ,500 oh you're lucky it's zero percent yeah i am lucky on that one but yeah so 4 ,500 um for her and it's 200 monthly payments um and i was also able to work off some of it so it i bought it from the guy that owns the ranch that i board my horses at So when I first bought her, I was able to do some work around the ranch and work some of it off as well, like almost$200 of it.

35:23But I did the math the other day, and I should be owing him for like 22 months from time from the beginning. So you make$1 ,400 of earning income on a monthly basis. Let's look up. I have some stats here. Horse. Guess what? Obviously, they live 25 years. Yeah. On average. How old is the horse? She's seven. Okay, so seven. But guess what? yearly average maintenance for a horse is$15 ,800. And you have one or two. I've had the one since she was 14 or since I was 14. So I've had her since I was a kid. So her expenses to me like don't even matter. Like they are priceless. I don't even. But they are priced.

36:06They are priced. You have goals you're trying to get to and you couldn't start utility payments and you can't afford anything related to your house. so i think it is price and life impacting i don't know what the f you're talking about so 15 ,800 one horse but you have two that's insane so your average maintenance of the horse on a monthly or annual basis sorry annual yeah it's 31 ,600 if you didn't have the military if you didn't have the oh no i'm so over their lifetime that is 79 ,000 yeah yeah 79 ,000 dollars yeah and that's like 200 to 500 in veterinary care feeding is 1 ,200 to 2 ,500 huff care is 400 800 and boarding is 3 ,000 to 12 ,000 yeah that on of the 25 years or

37:04if i'm just again i'm just let's just talk about we already know you're losing money we already know you're in horrible debt. We already know that even the equity you gain in your house, it doesn't matter because of your window loan debt and then your utility debt, which you paid an extra thousand 500 just to be able to turn on utilities and extra. You paid a fee of a thousand five hundred hours to turn on utilities, by the way, is how that works out. But let's just say this, let's like, let's think about lost money, lost money in lost time. So thirty one thousand six hundred dollars a year, right?

37:29Over the course of twenty five years, you take that. Let's say I invest it. I opened Moo Moo, my investment app that I use,$31 ,600 a year, 10 % return, S &P 500 over the course of 25 years. Okay. So what's your lost money? You essentially lost, and I'm not saying you can't have a horse, but in your position with no retirement, actually pulling money out of your time, which I need to know more about, you lost$3 ,107 ,000. Okay. I heard this saying. It's a good thing to laugh at. I heard this saying once. It's, it's, you know how you make a small fortune with horses? Nope. You start with a large one.

38:11Yeah. Major channel announcement. Budgety, budgety, budgety. It's a new year. We're all trying to budget. We're all trying to make it a little better. We're trying to improve our life. A lot of people on the show, a lot of people out there that I've heard from, they try to start a budget. They can't stick to the budget. It's because it's all too damn complicated right now. You use any of the budgeting apps out there, it's crazy. It's hard to know what's even going on. It's impossible to set up and it's a chaos to manage. That's why over this last year, I did the thing. I made a budgeting app for you guys.

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39:59I love that we're able to summarize our entire life and the goals we're trying to get to and everything we care about down to a joke. Because in the end, that is what your life is right now. A joke. You're set up with incredible benefits where you have this first disability. I know it's for something. It's not like it's for nothing. I was able to get the house. Shut the f*** up, I am talking, lady. So, I mean. No, I am talking. It's not like I'm squandering. No, I am talking. I am saying you got the opportunity where you get the benefits, obviously. Yes, it is because of the thing that you are receiving.

40:29Something that happened, but$3 ,800. Okay. You have that on a monthly basis forever. And you got access to a VA loan. But you're squandering it by getting into a home that has increased in value, but you're not able to realize because you have actually lost money via the interest on the loans that you have taken out. And because of the loans you have taken out, you are then putting money into horses that you cannot afford because you really don't make much money and you are losing any opportunity for investing on that money because you are throwing half of your salary after benefits a year to horses.

41:01And then you had pulled out of your TSP. Tell me why, when, what? So I pulled out of my TSP. I pulled my entire TSP. It was like$1 ,200 when I moved.

41:16So that covered the move? That and that other loan. It was like$2 ,400 altogether. This house.

41:27But it's my first house. What? What the fuck do I give a shit about that? First house, guys, I'm allowed to get my life ruined because it's my first house. What the fuck does that even mean? What are you even trying to say? What are you possibly trying to say right now? People fuck up. People fuck up. People do fuck up. You fucked up over a 30-year loan. Yeah. Well, that's why I'm here. Multi-hundred thousand dollars. You're not doing anything to fix it. I don't know what you're talking about. Your miscellaneous purchases alone were in the hundreds and hundreds of dollars in this last month. So I don't know what the fuck you're talking about.

42:03It's better than it was. You say you want to fix this. You have these horses that cost$30 ,000 a year to maintain. Yeah. My spending was better. You make$60 ,000 a year with your benefits. I don't know what you're talking about trying to fix it. You are keeping these anchors of your life. You essentially have$30 ,000 a year to play with. I'm not getting rid of my horses. Not even saying that necessarily, but of the$30 ,000 a year, that equals$2 ,500 left in your bank account. Of the, what was your mortgage? Like$900, right? $975. $975. so of the the 2500 that you have now on a monthly basis your mortgage is your cheap mortgage to be clear cheap mortgage is taking up 40 % of your leftover money that's crazy it would be more like 25 % of your money before but since 50 % of your income is dedicated to horses you're not getting to the goals you told me at the beginning you're not because you're putting having horses or doing horse girl math over the reality of life i want to do with what you want to do but you got to start somewhere it is what you want to do you are limiting your being able to get to what you want to do because you're trying to rush there to feel good.

43:31But you're not! So you're never going to! It is as easy as that! Those of us that rush to get to our goals without actually following a plan to get there that is realistic never reach them! And you're making it so I care more about your goals than you do!

43:57When did you get the other horse? The original horse. Horse OG. Oh, OG? I got her in 2012.

44:08That's fucking crazy. That's fucking crazy. You do not leave this building until you download the Simpler Budget app. I already did. Good. You get premium forever because you're a guest on the show. So you better fucking utilize it. But the crazy thing is, I bet if we put in there, we'll see 40 % of our money just in the fucking horse category. Yeah. Which is insane because it's automatic connections and all this. You guys get two-week trial, but that's crazy. That's crazy that we would open up your budget and we'd see 40 % towards horses. Horses. We can giggle about it, but that's fucking losing everything.

44:41It is losing every goal that you want to get to. Not if my goal involves the horses that I have.

44:50my board and what it costs to feed my horses and everything a month is like 1200 1500 a month is that is that everything or is there more than that so what does it cost what is it costing you on a monthly basis so for like hey it's like 250 dollars just for For grain, it's$250. And then their supplement is$200. It's like$100 a month for the two of them. So it's like$100. So it's$200 over two months. And then my board is$125 a head. So I have two heads. So that's$250. And then my$200 payment on top of that for the one horse. Plus vet care. So yeah, and then every six to eight weeks, they have to get their hooves trimmed.

45:46The son of the owner of the ranch, he does my feet for my horses and that's$250 a month. You don't have this money. You have debt. We have debt. You're paying off from windows from a year ago. You're still paying windows for a year ago with 10%. You're still paying. You move the deer. house what a year ago no two years ago almost three years ago that makes it worse because you moved into your house three years ago and you are still paying on your literal bill to start the utilities and we're focusing on thousands of dollars a month for whores priorities man yeah your priorities that's what i'm saying and it's not a joke it's not a joke your life matters but maybe not to you of which what the f*** is the point there's also going to be other stuff added because like i'm really trying to get a truck and trailer by the end of the year no yes how much does that cost well so i'm looking at trucks that are like less than 10 000 because that's like the only f***ing thing that i can afford you have no desire to actually meet the goals that we talked about at the beginning You're never gonna get there You're never going to get there I don't know You don't know How do you not know you're never gonna get there I think I can I don't know I just have determination Determination does not do That is not how that works I think I can Shut the fuck up It is not funny I am trying to get you to your goal Stop being a dumb Listen listen to me and explain to me how you're actually going to get there please tell me i so the idea was like i get this horse right and this horse has potential due to like her bloodlines and also like her athleticism and everything so she has potential to do some really cool things so my thought process was to buy her and train her and then go and show her and win money and how's that gone well i mean i need to train her first which and how's that gone not horrible actually um i just need i need to go to these clinics which clinics are also extremely expensive it's fucking price oppressive uh to maybe make money some of the small ones it's like 500 for some of the bigger ones it can be like in the thousands um but yeah and then so then after that Then I get her trained.

48:24I go to these clinics. But I need a truck and trailer to be able to do all of that. Like at the end of the day, a truck and trailer like. But you're talking about. What are you talking about earning conservatively? Well, hey, no, I really don't know. Then why the are you doing it if you don't know? Because I know because it's not an answer. Tell me the why. I don't have a number, but it's. Well, you should have a number. If you're investing$10 ,500 into it plus$30 ,000 a year, plus the payment to get into these shows you should probably have at least a little bit of a number i don't invest into anything if i don't at least have a little bit of a number and then i go on the conservative side so what the fuck are you telling me what level what is it what what are you gonna be in what levels are gonna be called let's do a little bit of research tell me so i want so it's okay the whole the world of horses is vast i'm sure it is how would you give me something to work with um so like uh do a cutting clinic and what would it be called for you to make that money?

49:20What do you mean? So you pay to get into the clinic, right? Yeah, and that's to teach my horse. But it's be like a cutting show. So then you have different levels. Do you get paid to be in the show or do you get paid based on the results of the show? It's winnings. Okay. So a cutting show. You can also get sponsors and stuff. Much like you were talking about. What level is your horse at? What level would it be at? She's in kindergarten right now. What level would it be at in this winning? No, it depends on how many clinics I can go to. You're not able to give me a f***ing answer. for us to because there's so many hypotheticals you have a hypotheticals does not so many hypotheticals does not work in the world of like investing we want at least an idea of what we're trying to get to okay so like a couple i base i base my investments off our historic returns or i base my investment investments based on like uh when we invested in the budget in apple costs hundreds hundreds of thousands of dollars we're based on what we think we could get in terms of what could we actually build with that would people actually want to use it and of the people that want to use how many people are willing to support us.

50:19We were able to kind of come up with a conservative number and we're like, okay, it is worth it to do this. So we figured that out. What would you possibly make in a normal world how often? I don't know. Like if I go like once a month and I win like first place at some of the, I don't know. I don't, I don't, I don't know. What places make money? I don't know. I need to learn about the world. So you're investing into this without even learning first. I know something. It's a different. so okay so I've been in the horse world since I was eight years old so it's not that I don't know anything about the horse world it's I don't know about this specific side of the horse world like I could I could tell you about like barrel racing but I'm not trying I don't want to do barrel racing you need to tell me about the thing you want to do how can how are you not able to tell talk to me about what you want to do because I haven't gotten there yet but you're willing to invest ten thousand five hundred dollars into it and a one-time purchase with the horse with the trailer and then you're willing to do thirty thousand dollars a year on the horses and then you're willing to spend time on training which is the opportunity cost away from your work the truck is like the truck is like a must like i am going to be getting you don't even know the internet doesn't even know what are you referring to hair cutting timber logging uh meat cutting what what is it what do you mean meat oh i said hour that's why

51:34yeah but so like the truck is a is a must because i need like i was late today because i was waiting on somebody else to go get hay. And now I'm late for the people who are subscribed to this for the live session that I'm doing. Yeah, like I was late today because of freaking, I need to borrow other people's trucks to go get hay or food for my freaking horses. Like the truck is a must. Like that is, that will be happening by the end of the year. Price will be like 5 ,000 maybe, 2 ,000. It really depends. obviously can range high and this is for like second place entry fees are 500 so you're buying for the chance to win so there's not only that but you're buying entry into these competitions geez for f***s sake this is a that's why i want to you're doing this as a want you're doing this as a want not a business woman i've also thought about uh doing like a small breeding operation but that takes money to start up also exactly and you probably have no data or anything around it that you're able to speak on adequately enough for us to determine if the money you are willing to invest into it actually makes f***ing sense.

52:41I really don't really care at this point. It's kind of just my dream. Then why the f*** am I wasting my time with the conversation with you? Because I want to make it work. Make what work? Because I don't support this. Make what work? I don't support this at all. I don't know. This is a hobby for you. But it's what I want to do with the rest of my life. But you're not able to speak on how you're able to make Make it work for the rest of your life. And if you can't even say a literal number, we can't talk about the rest of your life. I'm not. If I am more educated on what you can make out of a competition than you, someone who doesn't give a, then you should, this shouldn't even be a consideration for you.

53:25I'm not, I may have put the wagon before the horse a little bit on this one. No pun intended, but I don't think, I think, I think I can do it. How many times have you made that joke in your life? i mean i thought you dropped that one daily i'm a marine i became a marine so i told myself i thought i could do that and i did so i think i can do that i thought i told myself that i could thought i could buy a house and i did you did but look where you're at you still lost money even though you've gained 30 000 equity that doesn't happen for most people you've done it the wrong way you can't sell the house and still make a profit today well you gotta learn somehow no you learn through education beforehand we're doing a real estate course next i don't think it's out by the time this video goes out but that's what you would have needed you get the debt class you get the investing class you get all the classes make sure you go through them and uh the budgeting class especially for you because well this is a mess go through them you get it for free and come back on the follow-up channel and prove it okay challenge well thank you promise over 10 000 people have taken our debt class and uh they people literally out there in the audience people have turned their lives around so take it oftentimes people don't take classes and take them as seriously if they get them for free usually there's like the if i pay i forgot what it's called but when people pay for something they're more likely to do it and do it efficiently and actually learn from it so there is that like psychological element behind it so don't get up unfortunately for you i don't have a horse class but maybe you should take one because you obviously have no idea what the f**k you're talking about for this as a career you look the part but you can't talk the part i'm by the seat of my pants, dude.

55:04What do I do with that? What can I do? Tell me what you want from me. Because I feel like I'm wasting my time right now. And I haven't felt that in quite a long time. And it's pissing me off. I don't. I want to. Hopefully they're still learning something or at the very least entertained. But I'm not entertained. I'm pissed. I. I don't know. You can't tell me what you want. I want to be better financially. But you won't listen to me or answer questions. And you joke about everything and laugh everything off like it's a joke. So the horse thing is kind of a non-negotiable thing. But that's everything.

55:44That is 50 % of your income. There is nothing that is 50 % of our income that we cannot consider non-negotiable when we're talking about fixing our financial life. Then I'll work more. No. you're working 30 hours a week and you said i'm grinding i'm working my ass off you work 30 hours a week you can't work more i know you i internalize your language trust me even though you piss me off i hear what you say and i base everything i say off of what you say and you specifically said at the beginning of the conversation that you grind a lot work off you work a lot i work my ass off you work 30 hours a week shut the okay that it might be hard while you're there stuff on top of that by choice not work but it's work if i but you would have to take time away from that to work more and not the horse is non-negotiable the time thing is a little bit different but like 30 000 hours a month is non-negotiable to someone that's making 60 000 hours a year you have no respect for the money because you are on the disability the disability i'm not complaining about that i need to make that clear because people will cry about it in the comments.

56:52It is accurate. It puts me in a very privileged position. Exactly. Because you just get it no matter what. You have no respect for the dollar. Yeah, it puts me in a very privileged position. You're willing to just blow it. That's why I don't blow it. Because I got all this shit.

57:09Oh, what is this? Upstart. 21.59 % interest. That was... Okay, so you borrowed$1 ,500 two years ago. That's about two and a half.

57:27Okay, what's left on this? Monthly payment of$4 ,108. What's left? Probably like not. I mean, it's only a year old, so there's still a good chunk of it. Or two years. No, it should be a year. You don't know how much is left? I'm going to guess it's like$1 ,000. Okay, so$1 ,000, let's just say. just to be safe. $1 ,300? Yeah, I want to say like$1 ,300. Okay, what was this for? What was this for? So my windows were on auto payment. Are we back to the windows again? Yeah, yeah, yeah. Oh, I can't escape these fucking windows. My windows were on auto payment and I didn't realize that I had a payment that didn't get made.

58:06Like the auto payment bounced. And so I just kept on my merry way with my life and later I was like, I feel like I have more money in my account than I should. this long about windows um and then i looked at my account and i was like 800 900 behind on my windows and so to make up for that instead of incredible windows instead of make like instead of accruing the like late fees and everything i took out a personal loan and paid off what i owed and then now i'm just paying off the is the 21 interest on this over the course of the multi-year process of this loan about what is it a four-year five-year loan six-year loan something like that whatever is that really less than one-time late payment i don't i i did the math at the time i did the math at the time and it was like ridiculous dollar amounts a day something hey you look at me my job is to sit right here and be the absolutely stunning figure that i am and some things I just can't help, like my incredible ass, which is why you're all here, of course, but also some things are in my control.

59:21For example, the pearly whites. I yap a lot, and some would say too much, so I get it, but listen, if I'm going to yap, my teeth may as well look pretty damn good. I drink a lot of coffee to get through these audits, and I started noticing some staining on my teeth, so I've partnered with today's sponsor, Auriglo, and they brought back my confidence for continued yap sessions. The reason I prefer them over competitors is because they actually whiten, but they do it sensitivity free. And that's always been why I can't use these types of products for long due to my sensitive teeth. Seriously, these things are incredible.

59:54Make sure to go to Amazon and get the Aura Glow teeth whitening strips or click the link in the description below so your yap sessions can be just as confident as mine with stunning white teeth. Well, how long would you have been late? I was late by like two months oh okay yeah okay that's yeah that is pretty brutal that's still crazy you could not afford this you can afford anything you do guess what if you didn't spend 60 30 000 a year on horses and also you are just a horse collector at this point i was crazy i only have two shut the up you won't let me finish my point the fact is you had one you really couldn't afford one because you couldn't afford the house you couldn't afford the movie couldn't afford the windows you couldn't even afford the payments on the windows so obviously you couldn't afford one horse so you decided to get a second horse as an investment it's not though for you because you can't even describe how it will return on its investment in a financial way you're not you probably can and other people might be able to say and that's not a return on investment if we're actually talking finances but the fact that you can't describe it means it's fucking it doesn't matter shut the up i am talking so in the reality of the situation you got a second horse when you You couldn't even afford the first horse because you didn't afford the house or anything wrong with it.

1:01:07You can't afford the second horse. You can't afford the first horse. You can't afford your life right now. But that didn't matter the first time. So what is stopping us from saying, you know what? I've had fun with this. Now I need to take my fun to the next level because I know how hobbies work. We always just keep going further and further down the hobby. Yours is just more. So all of a sudden, let's add another$15 ,000 a year expense via another horse. Technically, we can't afford it. Our disability covers it. So you're going to end up with a third horse a year and a half from now. you're never going to have retirement you're never going to be able to sell your house because you're always going to be underwater on it by the loans you take out in order to pay the minimum payments on the loans you already did take out because you couldn't afford to get the house in the first place you are never going to be in a financial well spot i know how people like you work unless you completely change this around but guess what you said the biggest thing in there is non-negotiable so what the f*** are we talking about nothing is what we're talking about it's bull this conversation is bull

1:02:02well got anything to say no not really i mean

1:02:10meh i'm making progress i'm doing better than i was so i would love to see proof you would have had an aneurysm if you would have seen my I'm having an aneurysm now. Oh, it would have been like an aneurysm times two. It would have been bad. You would have seen this like. Everyone on this show says they're doing better. That's what happens with every single person. I don't believe you for a single second. I bet you have two weeks of doing slightly better because you're preparing to come on the show. And to you, that is I'm doing better. when in the historical world of what's going to happen from here months from now after the fire from under your ass is a little bit depleted, you're going to be back to where you were again.

1:02:56In two weeks of progress, we'll have meant nothing. So this is a personal loan in order to make the payments on the loan that we took out in order to get the windows that we didn't need on the house we couldn't afford to get. Yeah. What a train of loans. It's great. Human set of loans. Okay. So what is this? What is this? I don't know. What is it? The creditor is Cross River Bank. You borrowed$1 ,080 with a finance charge of$549. What is this? I don't even know. What is this for? It's another upstart loan, but what is it for? $1 ,080 you borrowed. I forget. I just, I needed, I needed something.

1:03:38I'm getting better, guys. I need, I don't know. I just, I needed something. I forgot what it was for. It was for something that I needed. I wouldn't have done it for nothing. For fuck's sake. You can't even speak. Not only can you not talk of what you can make on this hobby that you're in, you can't even talk about the money you've already spent. Good fuck. How have you made it this far? I ask that a lot. And I'm just as serious now as I am then. I don't know. Your guess is as good as mine on that one. Yeah. Yeah. I don't know.

1:04:19not the first time i've heard that one

1:04:31you can't make you mad at me for laughing at that one because they're laughing at that one back there too it's because you look like an idiot

1:04:42take the spotlight off you for a while you cannot tell me what this was for that you borrowed in october a year of previous this last october i think it had something to do with the horses of course i know so oh october last year my horse had to get x-rays a year before this october this past october so not this it was october 2020 oh no no sorry it was this past october yes um my horse had to get x-rays so obviously you cannot afford the horse if we are financing what needs to be done on a horse at 17.54 and that's still a non-negotiable yeah you're freaking broken then financially you're done you're done there is no conversation to be had i'm trying to think of another way to get through to you so i don't just walk away but i'm not seeing it right now you're fucking done dude you you're not willing to negotiate on something that you objectively cannot afford this is embarrassing for you not for me no why would i be embarrassed i don't get this isn't It's not embarrassing for me.

1:05:54It should be. It's embarrassing that it's not because this is horrible. You have two things, two things that you rushed into, the horses in the house, and all of your debts have related to them so far. This is as easy as it gets compared to other people. Other people, so many things have happened that have gotten them in debt. You just didn't need to try to rush into a house, and you just didn't need to have your wants of horses, and you'd be totally fine. You would have been totally fine. the horse so the first horse the one horse that the first horse that i've had since i was 14 that was kind of like pushed on to me that was not necessarily a thing that like you could have sold it if you really wanted to i'm not so you're gonna sell your childhood dog you're you're telling me you're gonna sell your childhood dog you said that's the equivalent on you yes it was pushed on me different yeah because so she was up north up in minnesota and also the reality is unfortunately Unfortunately, people do have to surrender their pets when they cannot afford them.

1:06:51It is a sad reality. And you can't afford yours. I'm not selling my childhood horse. So how is it forced upon you? Because so the people that had her up there where she was when I was like in the Marine Corps and everything, they were getting ready to like downside. In the Marine Corps? Yeah. This is not your childhood horse. Yeah, I've had her since I was 14 years old. why are you saying you in the marine corps i didn't have so okay so i got her when i was 14 years old i left for the marine corps at 18 okay she stayed with people up north while i was in the marine corps allowed you to get a horse at 14 it was a it was a some irresponsible parents it should have been them it should have been your parent that took on the horse responsibility my dad my dad is my dad is not being irresponsible you do not put that on a 25 year plan it's not something that is beyond expensive on a 14 year old child my dad so okay so i had i had the horse right the neighbors that had the horse they were like hey we're trying to get rid of some of our horses because we're trying to move down to florida to take care of our parents all this other stuff and so they were like here here's your horse take her and like yeah they kind of just didn't i would have put her back with dad my dad doesn't no my dad doesn't have any horse stuff then he shouldn't have been able to buy you a horse if he didn't buy me a horse so what how'd you get it at 14 so my neighbors bought the horse and i leased it from them like it was my horse someone allowed you to at 14 i.e.

1:08:30your dad yeah at 14 yeah i worked um with my grandma to make some money and they shouldn't have allowed you to commit to something of 25 years long at 14 that costs this much money why horses like that costs this much money it's not about it being a horse it's you are required to pay 15 000 a year for 25 years and you're committed to that at 14 that is irresponsible of the parent unless the parent is willing to take responsibility for it so i mean so like when it came to vet stuff and whatever they would pay for most of it but i was still sure well you were 14 but you were still required to for the rest of the 20 years once you graduated and i still had to pay show entry fees and everything when i was 14 also and all that other stuff so it's so i think that's why i'm going back to this all like one horse it's your fault for a lot of the mistakes you have it was your dad's fault for not being responsible and allowing you to get this you were 14 you weren't able to make the choice you wanted it it is the parent's responsibility to say no or to deal with it in a different way and take you to ride horses somewhere else instead of you getting a horse that you would have to commit to for the next 25 years of 14 i have nothing wrong with getting a horse but there needs to be different levels here the dad could be able to take care of it it can you cannot put a lifetime commitment horse lifetime commitment on a 14 year old that is crazy no but yeah so when i got out of the marine corps then my neighbor was like yeah so come get your horse and so i came and got her

1:10:03oh my is this a is this seriously no i think that's the same one i think that's the same one i had trouble trying to find the statement for the No, it's a different I'm getting different numbers Is it? Yeah No, this is a different one Jake's confirming it

1:10:24Okay

1:10:31KJewler's Black Friday sale is on Now's the time to get up to 50 % off Black Friday deals With savings this big You can get gifts for everyone on your list Plus, if Black Friday lines aren't your thing, skip them. At Kay, you can buy online and pick up in-store or get free shipping right to your home. This holiday season, unwrap love and savings with Kay. Exclusions apply. See Kay.com slash exclusions for details. So what is this for? You probably can't tell me. You borrowed$1 ,200 at 12.77 % interest on October of 2024. Similar time as the last loan But different amount I don't know Was this a different x-ray?

1:11:16No You don't even know what you borrowed like four months ago Five months ago Come on Life changing amount of money for you Oh so I started delivery driving for Domino's So at first when I first started Domino's I was just an insider Now I'm doing the delivery driving And I had to get new tires for my car You're borrowing that at 12.77 % interest rate? no way they had a return on investments that you were hoping for how much is still owed on this i'm going to say about a thousand probably even yeah it's being generous honestly okay so tired out of a thousand gosh everything every instance in your life is anytime you do anything you do you take a debt for it that's just how you do it you know no other way you've never cash flowed anything in your life you just debt debt debt debt debt i think there's a credit card next which means It's like where your spending would be.

1:12:06Oh, yeah. I forgot we didn't even get to the credit card yet.

1:12:13This credit card's insane. Yeah. I told you. I told you. I wasn't lying. I was not lying. She's so loud just for saying nothing.

1:12:26Can I pee really quick? I'm so sorry. Please. So that you can not be in front of me. Okay. Go.

1:12:38ladies and gentlemen she on the tire loan which I won't even have a conversation with her about because it is pointless at this point she probably still owes a thousand dollars is what I'm going to market the minimum monthly payment is$27.16 insane but the thing that she was freaking out about and cope laughing the f*** out of is the fact that she owes on a Navy Federal credit card

1:13:15$20 ,178. Reminder, she makes$1 ,400 a month of earned income. Of money that she's going out and earning. She is lucky she has a disability. Not for the disability itself, but she is lucky that she is bringing that money in. It is a... this is insane okay well i'm gonna wait for her because this is crazy whatever twenty thousand one hundred seventy eight dollars and ninety three cents with a minimum monthly payment of four hundred fifty one dollars four hundred fifty one dollars and guess what guys four hundred fifty one dollars is a thousand four hundred dollars she brings in from her earned income thirty two percent over thirty two percent of her earned income goes to literally a minimum monthly payment on a credit card.

1:14:01Literally a minimum monthly payment on a credit card. Well, as I was telling the camera before, essentially this is, dude, 33 % of your earned income goes to this on a monthly basis. It is accruing alone $251 in interest a month, and why the possibly would you purchase $129 and you are close to the credit card limit? If you didn't even make any purchases and you You just did your minimum monthly payment. How long does this take to pay off? I did the math. Or I looked at it. I looked at something. And it said like 44 years. 31. But yes. Insane. Yeah. That's why. And yet you're willing to purchase on it?

1:14:41I was. You're willing to purchase on this. It was like a. It was like a. I didn't have my card. And like I. What? It was the only thing available. Like because I. It's for multiple things. It's for buying things at your own work. Domino's. It's something at a bank It's going in and getting some bullsh** From a gas station This is not a one time thing You are lucky It is at 13.9 % interest But no $6 ,162 of it are F***ing higher interest Because they're cash advances I'm telling you It's a lot better though Than it was I don't give a f*** No it's not This is the number It's not like I have a giant This is the number This isn't better than before It's not like it's a bunch of Timo purchases It's at max I don't give a f*** about I don't give a f*** I don't know what that means.

1:15:25I don't care. All I care is that this is a max credit card limit. That's all I give a shit about. No way is better than before you are purchasing on it. It's stupid. You're not able to make it as bad as before because you're basically at the limit and it takes 31 years to pay off. Listen, you have cash advance balances on here. Cash advance balances. Yeah, I don't know how to get rid of those. You pay it. I have been but it hasn't gone away Because you still purchased on the f***ing cards The interest is high You purchased I just don't know what the f*** This conversation is f***ing enraging Enraging It's okay

1:16:18Hey f***ing I don't know if I can New York. Domino's, it's fine. And you can make a career there. You can become a franchise owner. I don't care. It's just, I don't, your goals of getting to the, I just don't see how you get to the goals when you can't even define them in a monetary way. Listen, if you ever decide to change career paths, I can at least gift you a course career certification. I love them for resume enhancements and switching careers. But, dude, I just, I don't know what you're going to do. I don't know either. I really don't. It's so funny. It's not, but I want... But you laugh about it.

1:16:56It's more of like a, well, I'm f***ed kind of situation. Situation. No, it's not. Because guess what? You can get rid of half of your expenses. Or you can get rid of the expenses that take up half your income. But you started that with it's a non-negotiable. There's a lot of reasons why that's non-negotiable. It's because it's a horse and you love them and it's an animal. And I get that. And I am an animal lover. And I'm the last person that would tell you to get rid of it. The simple fact is if you cannot afford it, you cannot give them the quality of life that is required over the course of their entire long term.

1:17:23It is a selfish thing for you to do. You're correct. And right now I'm scraping the bare minimum. No, you're not. You're borrowing. Look, we just had that. You borrowed two little huge high interest debts just a few months ago for them because you can't afford it. No, you're not scraping. You're below. You're drowning. You're not scraping. One of them was for them. One of them was for one. Yeah, but something else was for something else because you didn't have enough money for it. Like you don't have enough money for anything. If anything pops up today, you don't have enough money for it. You cannot adequately take care of them.

1:17:54It was irresponsible to take on this other one and you shouldn't have the first one anyway. And it was irresponsible for your dad to allow you to stick to that commitment. $47. My dad didn't really have anything to do with it. It wasn't, my dad was not involved. Someone had to approve you doing this. Well, he, he didn't say no. Exactly. And he should have like an adult. $5 in savings because we're doing so well $671 in checking

1:18:27subscription cash out $200 McDonald's do a lingo what are you doing for why because I'm in Texas I don't speak Spanish I feel like speaking Spanish is kind of important I don't know. I want to learn how to speak Spanish too. There it is. You want to learn. Thank you. You were trying to justify it. I think it's a valuable skill as well. Sure. To be dual. Yeah, I agree. You can't afford it. Well, I, you're literally borrowing like almost micro payday loans. If you were to compare it, if you were to compare it to like, like taking a Spanish class, I would say you can't afford that either. Yeah. Well, so that's cheaper.

1:19:11No, you can't afford it either. It doesn't matter if it's cheaper or not. If you can't afford it, you can't afford it. You're literally borrowing for utility payments. You do not afford. When I first moved in. You're still paying for it two and a half years later. So, fuck you. You can't afford it. You can't afford it. 10 % interest. Fuck you. This is literal basic stuff. This is so pointless. Massage. Can't afford it. Massage. Yeah. Effective massage. That was a freaking. So, somebody gave me a gift card. And so, I went and I got this free freaking massage. and then at the end they were like oh are you gonna tip your and I was like well now I feel like a dick if I don't so I tipped him$25.

1:19:52You went to the saloon McDonald's line of credit payment net deposit check line of credit payment what the fuck is that? So Navy Fed has a$500 checking line of credit so if you overdraft it goes into this$500 checking line of credit and then when you get paid it will automatically pay off your checking line of credit and just give you the remaining. Oh no I am so sucked into that cycle. It is horrible. I'm fine. You can't afford the horses. You can't afford Duolingo. You can't afford anything. You're cash advancing. You can't afford life. You can't afford anything. You can't afford anything. You can't afford anything.

1:20:27Where does your dad live? Minnesota. How's your relationship? Not great. I mean, it's not horrible, but. Do you have any family that you have a good relationship with? Some, but I'm not going to live with any. You might need to live with them. You might need to sell your house and get your payments to nothing. Unfortunately, that might be the only way to still keep the horses or you have to get rid of the horses. We have to lower these payments some way. No, I agree with that one. You can't do it. You cannot do this. This does not work. And finally, I got you to Spotify. Listen, people think I'm just like anti-Spotify.

1:21:02I'm not. You literally are borrowing for utilities, borrowing for your horse's x-rays. You can't afford it. It's as simple as literally that. When I first bought that second. What is FCHF? FCHF. I honestly. $450. Given? To? Out. Out? Yes. Out. Oh, wait. It's an ATM. What's wrong? Where the f*** did that go? Oh,$450. That's my board for my horses and my horse payment. I do it in cash. You're crazy, man. Fucking McDonald's. You can really afford it, can't you? vape city great so we're also killing ourselves with a habit that costs so much money on a monthly basis yeah that is not cute that is disgusting i am trying to quit i am trying to quit what everyone says who comes on the show well convenient that they're all trying to quit but no one does car wash and you really need that we live in texas there's no ice there's no it's because i am a delivery driver and that's required by work that i get a car wash time to get a new job it sucks anyway you're being paid i don't give a it's not about that did i suggest you didn't like your job because like to me me liking my job is more than making money and torturing myself mentally over this shit all right i'm done i'm done i'm done you're not even willing to get a job that pays more than nine dollars an hour i mean i didn't say i wasn't willing the conversation in a long time i was i'm sorry guys i haven't had to end a conversation in a long time but i'm ending this conversation because this is the dumbest thing this is the worst conversation i've had in my life listen hammer financial score let me eat a horse that'll save you a lot of money yeah we're gonna go into the po show and have a more pleasant conversation i'm gonna cool down and maybe we'll talk about the rest of this but i'm done i'm done just join join it link in the description below and make sure you download the simpler budget app so you don't end up like this make everything automated and join the community and education and everything that comes with it.

1:23:03Bye. See you in the post show. You're an f***ing participator? I have. I was like dating and you're like, no, I f***ed my friends. I thought everybody did. Why couldn't you have opened the show with this information? No, but this is like the post show, right? People have to pay for this. I tried to do an only f***ing thing. It did not do well. Wait, you tried only f***ing having it? I posted the t*** on Twitter. Yeah. Who's f***ing doing? I was also a stripper. Super flexible. I'm glad we're learning this all at the end. I'm sorry. is not relevant to my financial. We will decide if it's relevant to finances.

1:23:36Take two. Let's start again. Start from the beginning. To watch the Financial Audit post show, click the join button below.