Incel Loser Forcefully Cucked By Wife

0:28Get your mother-loving ears on watch episodes of financial audit a week earlier check us out on youtube i'm casey 27 based out of beaver oklahoma this is financial audit beaver oklahoma that's an interesting town name um cool thanks for coming down what do you do for a living in beaver i work at the local grocery store and then doing what uh unloading early morning trucks doing wholesale deliveries to other businesses cool what are we making in that position 20 75 an hour 20 75 okay 20 and 75 cents Gotcha how many hours a week are we working that 40 sometimes 42 to 43 So I think it's 41 ,000 something like that 43 ,000 a year And then Is that total household Income for the house Are you married Because I also do DoorDash and Spark on the side I go to another town for that Is it a single income household though Kind of my dad lives there right now And he's on social security He pays like utilities huh interesting i don't okay keep up with him and then how with who i don't really keep up with his finances oh with his finances okay okay we'll keep up with him yeah okay i was gonna say you live together well i don't hang out with him i don't talk to him like at all with your dad that you live with correct not a great relationship long story short why is he with you because he can't afford to survive that we'll get to that we'll get to that we'll get to that it's part of the story of how I ended up here.

1:57Oh, great. Okay. So, and then the income for the other sources. So I'm looking at the income that came in. Yeah. We had deposits of 3 ,895. Some of that stuff is contract stuff though. Are you setting aside proper taxes from, what were those other hustles you said you did altogether? It's a DoorDash and Walmart Spark. Okay. I'm assuming the Walmart Spark is also contract. Yes. It's 1099. And are you setting aside money for taxes? I have like 30 bucks coming out of my store paycheck every week going to the tax stuff and i also track my miles well that's good but what how much is coming in if we're only setting 30 30 dollars aside how much is coming in from those uh it's the floor is 400 and the ceiling is 600 a week like it just ranges between those two numbers what's what's normal for you 500 so you're setting six percent aside i guess so yes a week and you said you said 30 is that a week or per paycheck a week which is unpaid weekly so oh okay cool cool cool so total coming in again we had three thousand eight hundred ninety five but then you had a loan disbursement as well some leftover debt payoff that you pocketed i came in that was a pull from a credit line why'd you need to do that i don't honestly remember so it probably wasn't that much of a need well it was a month ago how do you not remember it was within the last month i don't you have to remember two thousand dollars you specifically chose to pull two thousand dollars uh two thousand oh that was something different i'm just looking at the 400 one that was oh yeah the envo lock distribution for 418 that is a net credit line of credit uh-huh you don't remember what i think it was to prevent me from being overdrawn okay so um fine give us a rundown where are we what are we looking at what are we looking at we got your income got your job what are we looking at in life right now where where's mr casey at i'm feeling stuck in a box just not making any progress i've just been winging it i don't keep track of much other than debt payments so i don't know how much i'm spending on anything else that doesn't make sense but if you're keeping track of debt payments does that encourage you to want to put more towards debt or what what part of debt payments are you keeping track of because well i want to know the answer to that first i just keep track of the minimums nothing else and why is that i that's just what i've been doing there's no real reason you have no desire to put extra towards it i do but i just haven't done it okay why haven't you done it because if there was any desire to do it that's where you start tracking your other expenses when we create a budget and obviously we're going to put you through our budgeting class which everyone should go through but it's in general you haven't taken that step out of laziness like a discipline immaturity lack of discipline and building the habit oh let's talk about let's talk about uh

4:55habits this pile of insanity by the age of 27 has required quite aggressive habits to get into my ex was very much a money pit always wanting money from me she was playing this whole i want to harm myself card at me all the time what okay well hold on that is a lot to do yeah it's that is a lot to hear oh okay um what do you mean card like are you sure she that's i don't know that's something i'd take very seriously obviously um what do you what do you mean because i don't know you bring up the pile of that you bring up the x and then this is like what what are we what are we talking about i would pick her up and give me a sec sorry is this fresh no it's just kind of repressed i think so i've kind of shut it out but i would get the stories of i want to kill myself all the time from her and spend money on me this and that and i kind of played into it for a while maxed out four or five cards at the time i got these two upstart loans to pay those cards off and then i ended up doing it all again that's what happens yeah through the same guilt situation would you say you built him back oh sorry so they she said i will end it if you do not spend money on me that was like the no it wasn't quite that she was saying that she just wanted to go buy stuff to feel better type stuff if that makes sense okay well obviously that's hardly a solution that's a cope right but she's not sitting you say x so when did this end we separated in april of 2022 like married we were really but it shouldn't have ever happened i only knew her for six months when we got married okay yeah just lovely decision making that okay well i mean i am not the one to judge you should in this case okay but so uh 2022 it ended yes and then i drug my feet on getting the divorce done that was finalized in november of that year did she get anything from it did you know i took everything that i bought her back though like the big purchases for why did you not sell it did you sell it all i have not yet the phone yes i traded that in actually it got me a new one and the car the car not yet what what yeah i know we're getting into some cars okay yeah before we jump in i just want a self-assessment give yourself a score zero to ten zero being the absolute where's ten being the absolute best where do you think you are in the world of finances uh double zero okay at least it's honest so i've done your score twice and it was zero both times you've taken the quiz yes if you want to take the quiz it's free it's in the description below thanks for that natural segue now let's segue into your debt capital one everyone everyone on the show loves to come into some kind of capital one this is capital one classic we have a balance of oh good$302.15 on a credit limit of$300 okay we can't blame this on our ex because it was two years ago that we separated but you're going to spend it on a card that's maxed out all the that makes sense you went and spent$55.85 after you only put$25 minimum monthly payment towards it and then had$6.86 of interest accruing why did we go spend why did we go spend on a card that's maxed out.

8:31We can't immediately blame the accident. The first thing I see is you spending and going over the credit limit. I thought I was going to have that paid off last month. I just didn't get to that point. You did the complete opposite. You did the complete opposite. You built it up. So why are we spending on a card? You have a checking account. I've seen it. Why are we spending on a card that we're maxing out? I just thought I was going to pay that card off and didn't get to that point. So what did you think you were going to do? What was this? What was this? I think I'm going to pay the credit card off.

8:59tell me about that what was that thought didn't keep track of my other expenses so you thought you would have the money left over have the money left over yes even if you think you're going to pay it off does it make sense to put more money towards it or does it make sense to put a higher balance on it it makes more sense to put money towards it yes no no i meant like well yes i mean that answered the question i just i phrased it wrong to begin with but okay by the way did you guys have any kids or anything we you have to do things to make kids that never happened okay well fair enough i asked it so i guess that is well problems okay we've had people on the show who've probably stuck it in too many times than they needed to you just went the opposite direction and not by my choice okay well let's talk about the purchase instead car wash oh good we can get we can over over max out a card through a car wash what a stone creek development that's the car wash so you had another car wash i think i did it twice on that card one was that a different car Oklahoma in the spring what were you washing off like the the snow i get and like the salt and the winter environments to avoid rust and stuff like that that's fine There's some actual reasons for maintenance purposes to do car washes.

10:28The f***er. You're twice in a month. Lots of bugs from the commute to the other town. Sand and dirt. I try to keep my car clean so when I show up with people's food, it doesn't look gross. But that's just my thought process behind it. Do they even see your car? Isn't everything just dropping off at the door? 99 times out of 100, yes. Then who cares also? I mean, have you seen that video of like... There's a... I'm not going to... Well, there was a video of a girl where her dog in the back took poo on someone's groceries that she was delivering. And even they accepted the groceries. I think you can have a little dust on your car.

11:03Then we went inside a convenience store and we just got some bulls**t taquitos. Again, we're maxing out a card for taquitos for a double car wash. I don't think we're doing that if we're a self-confessed double zero. No, shouldn't be, but here we are. But we are because you thought you were going to pay it off. I thought I was going to pay it off. but you weren't able to because you don't track any of your spending and finances anything once i'm okay no one okay okay okay i had a 30.48 interest rate of death you're obviously not a credit card person if you're going to use a card use the fizz card my man there's nothing else at least you can use that and not destroy your life and it still builds your credit this is crazy destiny not the streamer the credit card apparently never heard of this one This is a new one.

11:55Yeah, there's another one under the same company. It's a fee. Monthly fee. They charge a monthly fee and I genuinely don't... But just close the f*** out. Just close it. Can I close it while there's a balance on it? Yes, just close it. Well, most of the time. Didn't know that. Close it. Will do. You've learned. They might push back, but just f***ing close it. I don't know if you guys knew this about me or not, but I love buying real estate. It's a great investment and there is something about it that I just can't seem to get enough of. Now, I know buying real estate may sound like a complicated process, but I'm here to tell you it doesn't actually need to be.

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16:59It was the line of credit that I had pulled$400 out of previously. Not the one I saw? A different one? The$400 that was on that initial statement. It's that one. At 31.5%. $14 ,170! It was a$7. They call it a pre-computed loan. It's a$7 ,000 loan. That's just interest already calculated into it. which it's kind of scary to look at but yes is there a payoff or is the interest calculated into it? The interest is calculated into it. You have to pay off that no matter what? No. That doesn't make sense. So what's the payoff then? If we paid it off today so we could avoid paying that interest I think it's just under$7 ,000 because I've only made one payment on it.

17:39It's brand new. When'd you do this? You're telling me you max out all those cards after using these to pay them off that quickly? No. I paid off a different loan with that. What loan? It was from a company called Rise, and the interest was like 108%. It's ridiculous. And what was that loan for, and how much was it? This was after the divorce was fresh. I can't tell you exactly what it was for. I think I had my first one with them for$1 ,500. Legally? Okay. Well, no, it's not that. It's just I genuinely don't remember. Because the original$1 ,500 one, I don't know what I did with. and then I refinanced it for five, which dropped the rate a little bit.

18:24And I think I paid off that line of credit and then racked it up again. You're not a debt person. Yeah, I know. You're not a debt person in general, not just a credit card person. You can't utilize leverage in debt. You just can't. You can't. You can't. You get access to it and you just borrow and you max. You go crazy and we have$7 ,000 at 31 % with a$235 minimum of the payment at 13 cents. This is stacking, man This is stacking What have we got so far, debt-wise? The brand new debt counter Has calculated it for y 'all Now you've been asking for it If everyone's happy that the debt counter Is back and better improved than ever Make sure you give this video a like, guys And if you want me to calculate Your debt by sitting right there While I give you a good old Go to calebhammer.com Slash apply 8 ,595 dollars and 19 cents at this point uh that's crazy that's crazy man none of it's even like good debt none of it's even going to your benefit minimum monthly payment so far of 350 dollars and 13 cents okay upstart you mentioned these towards the beginning mm-hmm what the f*** is this for that was when i paid off the cards with my ex okay so when was that that was 2021 i think it's just somewhere in that summer five year loans and then you just rack you just went this is why i'm i'm not one size fits all but i get why dave ramsey's like okay we're not gonna do any debt consolidation over here up here in nashville tennessee uh because i mean when people in positions like yours they rack up debt they get it consolidated or transferred in another way and then it brings that debt that they got into in the first place that credit card debt back down to zero and then they have the limit they can spend up again they just they just do what you do and then we've had so many people on the show that have done that so again not one size fits all but you're not even close to a person where i would consider consolidation especially since it's it's 27.11 interest was it really even saving money No.

20:38That just wasn't what I was focused on at the time. What were you focused on? Trying to get the cards paid down, which was my initial desire. It just pushed it, though, right? Okay.

20:52Upstart one, because I know there's a second one. It's a$62 minimum payment, and we brought it down from$2 ,000 over the course of three years to, which is insane,$1 ,267.52. disgusting disgusting disgusting speaking of disgusting upstart 2 the sequel back and worse than ever yeah a balance brought down from in three years 1400 bucks to 914 dollars and why is it worse than ever i'll tell you because it's a 31.2 interest rate of death and insanity and craziness with a minimum of the payment uh 46.33 okay oh this is a car loan i don't know who it's through bridgecrest carvana carvana kill me now what what is this what is this car a 2019 hyundai Ioniq hybrid really I kind of like that car but well at least the look of it I know nothing else about it but why then why the f**k do you have this no I'm sorry this isn't this isn't it's not an income shame but you make 20 bucks an hour I don't think we're getting that car right I needed something to door dash with the charge we get a car twice or three times of expenses as you could have gotten I get the car that's available with no down payments no no no no no what do you mean you get you get what does i get the card that's just what i have this is how you get cards in this case yes what does that mean i wasn't making enough money at the time because the charger broke down and i couldn't do doordash anymore i was looking out for something and just came across that zero percent down through carvana huh yes what was when did you get this january a couple months ago really the 505 dollar minimum payment how long is the term 72 your favorite better than like the new 84s but me that doesn't mean it's good what's the interest rate 20 i don't know the exact i think it's 22 if i'm being specific but i'm not sure you've legitimately like murdered yourself you're so self-aware of it which is good because usually sometimes so many people are just like blindly just like it not even just ignorant they're just like defensive and everything and i'm glad you're not but so aware of this like this was just a couple months ago like how'd you allow yourself to get into this few years ago i can understand it because you know you can make a lot of progress in life in three years in maturity and understanding and education just a couple months ago what the are we doing i understand you've got the first one you could get at zero percent down but why why do you accept that because i needed to be able to doordash i i could make more money doing that than getting a second job anywhere else in my town so how much money do you how many hours a week do you drive doordash uh 30 to 40 on top of my 40 from the store 30 to 40 okay 30 to 40 and what do you earn do you have like an average hourly what are you bringing through that on a monthly or weekly basis weekly basis what are you bringing that's the one that i said was between four to six hundred a week that we averaged at 500 okay but that's what comes in a week do you take away gas do you take away car depreciation not car depreciation well i mean that is honestly but do you also take away maintenance on the car i don't okay so that's probably not the exact number plus you're not sitting any money aside for taxes Right.

24:38Aside from that 30 extra coming out of my paycheck. Which might do it because it's not like you're a crazy high earner by any means. But yeah, whatever potential tax returns from the withholdings you're getting is going to be very negated through this, depending on how you have that set up. This year I paid about$600 total for all my taxes. That's not crazy. Were you doing just about as much last year as you are this year? Like all last year? I think I'm actually making more now with Spark added to it. Be safe then. Be safe. I don't want you to give it. because if you're in a situation where we're taking out 22 % loans because we don't know what the fuck else to do in a moment of terror, what happens when a$2 ,000 tax bill comes?

25:15What are you doing in that? Taking out a 25 % loan? Can you even take out debt anymore? What's your credit score? Just under 600. It's like 602 one side, 579 the other. Carvana, have their way with you. oh there is a nicer version of that car is the one that i'm thinking of isn't there like a hyundai ionic maybe like 2024 version it looks really cool it's like i think they discontinued that car like they don't make never mind i don't know what i'm thinking of them it's the probably the elantra those look really nice okay uh either way it's worth ten thousand six hundred ninety nine dollars we just took it out and it's worth half of our debt yeah i tried to refinance it and get a lower rate recently and they told me that thing you just said and it's not worth their effort to refinance i guess right now how do i understand you needed a car quickly okay so that drives us into a sense of urgency and we need to like figure out things but why did you do zero due diligence in any way whatsoever zero i had nothing else available i tried looking into cheaper cars how big is your town what's like the metro area uh 1500 people or so okay are you close to any other town not really but you could drive a few hours to get a car if you wanted to right what i did for that i had to go to oklahoma city for that you're telling me no okay oklahoma city you're telling me no other car existed in oklahoma city for sale come on yes like that i guess i didn't look into it like that well you just like you couldn't google i'd been looking through the other ones but they're just as bad car max you find you found one car did you look at facebook marketplace did you look at craigslist uh not craigslist but marketplace yes okay there wasn't anything around me but i also around you but did you look in like oklahoma city did not okay you should it's just a little put in just a little extra effort in anything right could have saved yourself literally ten thousand dollars man that's wild that double zero is holding up first savings credit card it's it's not saving you anything we have a balance of 383.17 the minimum payment of 30 bucks interest charge $19.31 and you paid the minimum.

27:29Okay. What was this card for? Why is this one? That one was back with my ex. Okay. Then why is it only$100 paid off of the credit limit? Because ex was two years ago. Right. I started filling them all up after the divorce. Okay. Yeah. But there was two years ago. $100 has been made progress in two years. Apparently. No, come on. Give me an answer. How do you not know? I have a lot of these to worry about, so I just don't think about it anymore. But do you put money on it? Just the minimum. No, no, no, no, no. Do you spend money? I don't remember the last time I did.

28:14It's so interesting. You're so self-aware and also ignorant to your own situation at the same time. You can't answer questions from two months ago, but you know that you're in a bad position and that things were mistakes. Yes. But you can't answer like simple, what happened here? Questions? I didn't have my car throughout the entire month of December because the charger broke down. So it was probably then, but I couldn't tell you on what. But I just know that I was like$100 negative every single week because I wasn't doing DoorDash. What do you want to do for your career? Because right now you're working$80 a week, but we're bringing in$4 ,000.

28:48That's before you set money aside of taxes, almost$4 ,000 a month, a little less. I'm content with working at the store forever. Okay. That's good. But can you afford to? Not right now. I want to get my stuff down to the point where I can, which I think I can once I start getting rid of stuff. You're content. Yes. Content's good. What do you want to do, though? Like, want. That is what I want to do. Oh, that's great, though. I want to be able to stay there. Okay, so you love your job. I do. Like the people, community, all that stuff? Yeah, I can say that, yeah. Okay. I mean, I've been there since 2011.

29:22I was 14 when I started there. I pretty much grew up there. I'm used to it. So is it because you know nothing else? Kind of, but I also like it. It takes care of me. I just haven't been taking care of myself to let me show that. Agreed. Are you open to potentially, okay, well, I don't want you to. We need to think about this income thing at the end because the income was not your major problem. It was obviously you're spending the discipline, but now you've gotten your debts in such a minimum monthly payment situation where. It was worse a couple months ago. If you ever think about any changes, I am lucky enough to have connections.

29:55so if everything changes I can gift you like tax certifications to course careers I love those and a bunch of other resources you just let me know but I love that you're in a position that you enjoy work wise that's cool it's very manual yeah all these box movings yeah but I don't think much of it sure I'm just thinking longevity on the body and everything I know people have worked manual jobs since the history of forever for the most of their lives and you know it's okay but Yeah, I mean, if it's something super heavy, I'll just leave it on the ground, cut the case open, take stuff one by one.

30:29That's my goal is to take care of myself in the process. Okay. Now we went from first savings to first national. What's a first? That's the same case of back in 2021 and then just not paying attention to what I'm doing with it. But again, I don't think so because if it was since 2021 and the balance on here is$568.01 with a$30 minimum payment, but the credit limit is$600. You can't tell me over the course of two years you made$30 of progress. Something's not adding up. I probably ran that one back up in December as well. In what? With what then? What were you getting? what were you doing what was the in your lack of discipline and lack of being able to just what was it what what has what racks it back up in your life uh getting gas getting taquitos and just gas stations just yeah and what makes us put it on credit cards versus checking account i don't have any money in my checking account at the time so I want you to just seriously close every account.

31:41I do not want you to have access to these lines of credit anyway. You just, you can't. And it's okay that you can't. It's okay. Just, I know if I have a bunch of candy and shit in my house, I'll just gobble it down like a fat fuck. So I don't allow myself to have access to it. You want to spend any kind of credit line that you have access to. But it's damaging to you, so don't allow yourself to have access to it. Plus, your credit's already under 600, so don't give me that I need good credit. Okay? Okay. You're already f***ed anyway. Yeah. Are you down to cut up your cards? I can, yes. Do you want to cut them up after we go through these?

32:18I don't have them with me. They are at my house. I don't keep them in my wallet for that same concept. Probably smart, but I would rather close the accounts because you can order them. You can reorder cards and you can attach them to digital wallets. Add a 30 % interest rate. Okay. oh is this the oh credit one we know we've entered the the pits of just absolute death and insanity once we see credit one the most evil it's the sally may of credit cards that i hate when it comes to student loans and i hate credit one when it comes to credit cards okay let's see we have a balance on here of 814 dollars on a limit of 800 dollars why is this above the limit.

33:02I missed a payment twice on that one. No, but you say I'm aware of the payments. That's your thing that you're aware of. Why'd you spend money on that first credit card that we saw? Why'd we spend money on that first credit card you saw? If we're missing a payment on the worst credit card that's ever existed in this world. I did that on both of those cards. No, why? They were due on the same day. I get home. If you don't make the payment by 5 p.m., then it's considered late. And I fell asleep. This happened twice. the day before you don't have auto payments you don't have auto payments no i manually because you can't manage your money no listen personal finance is hard and i struggled with it for a long time until i personally educated myself we decided to create resources that can actually help people at an affordable price so if you want to learn how to budget we have the best budgeting program in the history of the internet but if education and quizzes and resources like that are not what you're looking for.

33:58We also have a unique coaching program with a licensed professional who you can sit down with cheaper than anywhere else. We made these resources for you so you can change your life around and have the best financial future possible. They're at the top of the description below. I highly encourage checking them out. I'm gonna overdraft my bank account if i do that on some of those seven seventy five dollars and seventy four cents of fees kill eighteen dollars and eighteen cents of interest i you know why i'm like actually like you know why i'm like raging right now i rage for many different reasons i know my rage is pretty similar across the board but i rage for different reasons usually i rage because the person in front him he's like oh what's a debt i don't know what a debt is i'm raging because you're aware of your situation you're nice i legitimately like you as a person and this is so bad for you and it hurts to see it is tearing my heart out that credit one out of all them you're this hurts man this is like you're so nice you're so aware you're like the last person i would want this to happen to and there it is annual fee of 39 credit protect of 7.74 and a late fee of 29 and interest of 18.17 cents absolutely end me oh okay prestige oh oh the balance this this just keeps going this just keeps going 19 184.27 with the minimum payment of $5.13 and$1.10 What is this for?

35:50That is the Charger. Charger? Car Charger? Oh yeah, but Dodge Charger, here we go. Okay, I went from liking you. That's a quick way for me to not like you. If I can defend myself here, I didn't want this car from the start. Yeah, I don't think anyone should want a Dodge Charger. I agree. Worst car ever. I hate it. The people drive up into the Dodge Charger and I'm like, that's the ugliest thing I've ever seen. and you're an embarrassment for driving that next to me at a stop sign. Yeah, I don't feel like I fit the demographic of that car. No, I don't know what the demographic of that car is. I could be on a pink bicycle with flowers hanging from it.

36:23I could be riding up, and I pull up next to a Charger, and I look cooler than that piece of Charger, Dodge Charger. Kill me. What do you mean you didn't want to buy this? Why do you have this? My ex wanted it. Oh, we're back to the ex. Your ex wanted it? She was very specific about wanting this specific type of Charger. Wait, why is it your debt?

36:46That's a great question, but I just bought it. She wanted it, and I did what I could. So you went into debt? Yes. Wait, the balance is... Oh, this is... But you broke up. When did you take this out? Because you broke up two years ago, and the balance is still so high. January of 2021, I believe. So right before you broke up? Yes, a couple months before. Is she on the credit? No. Yes? She was not on the application at all. Where's the car? Is she driving it? It's broken down in my driveway. I'm going to... I have pot brains in here. This is the one that broke down, and I didn't have a car for a month.

37:16Then I got the other one, the Hyundai. What's it broken down? The oil filter assembly on top of the motor broke. What does that cost to fix? I don't know. I bought the new one, and I was going to fix it, and broke some more trying to fix it. What? You could take it to a can and borrow$2 ,000 to get it fixed. Let's assume it's that. Even if it's$10 ,000, that would have saved you$10 ,000. instead of going and getting the other car. That's crazy! You owe$20 ,000 in debt instead of doing an oil repair? $10 ,000! $20 ,000 in debt instead of doing an oil repair! That's the most insane thing I've ever heard in my life!

37:55What was that? What is that? Buddy, that is a... That is a decision! What kind of decision? I wanted something cheaper to operate. Which... What? Cheaper to operate? I don't think doubling your car debt from 20 to 40 is cheaper oh this is this is this is mind-boggling because i'm trying to try to put myself in that position real quick and i'm just trying to think in what world would i ever think doubling my car debt instead of doing a repair is what makes sense uh a couple months ago 20 bucks of gas a day versus 20 lasting me half the week buddy buddy buddy buddy buddy buddy you still owe this debt let's even the point like you just you doubled your debt if you got rid of one debt for the other debt and your gas was cheaper sure let's go that's not where we are that's that's it's not even that's not even close to what happened here yeah long-term goal i do want to fix it so i can sell it and then get a gap loan pay the difference but i'm nowhere even close to that i'd say fix it and sell your other car but it's only worth half of what tell me okay what's this worth well this is worth 7 ,582 but was that broken down uh the the charge charger is yeah valued broken down okay so it's valued at that 7 582 can we get a prediction on what it would be valued uh fixed i think it's going to be like 12 really maximum 12 me but that was also we are underwater so much on cars so we are currently underwater 30 000 in our vehicles there's another one not near as bad but there is another one one man three cars two bricks just the other one doesn't run either the other one I ran into the ground driving her to and from Dallas going all the time

40:00it was burning all of its oil I couldn't figure out why so you take it to a mechanic Well, it ended up just breaking down on the side of the road Commuting to the other town for DoorDash DoorDash instead of What's the interest rate on this Charge Charter On the Charter, it was initially 21, but it's since come down to 17.5 Oh good, it's down to 17 Oh good Made the payment cheaper Yeah From 5.75 to 5.13 13.10 Yeah, it came down to 17 I think they added three months when they did that too. You were fine. They called me and gave me the option to drop the rate, and they said that was just part of it, was adding three more months.

40:45Freed up more monthly money for me, so I just said, why not? That's what I'm about to say. Except I still like you, so I am. Sometimes I want to give up because this is just like devastating. This is like, I couldn't know. What does the weight feel like to you? Because just the weight of going through these numbers to me, I feel like I'm being crushed. How do you feel on a daily basis? Like I can't breathe. Yeah. But I persist. I have no other choice. Okay. Yeah. It's what a man does, right? Something like that. He just persists. A real man wouldn't have a Dodge Charger, but... I laugh at myself in it, too.

41:32I get it. Okay. okay we're laughing through the pain folks we're laughing that's part of why i wanted to move on from it but still have the that yeah quicksilver oh we and we persist through this pile uh oh oh good oh good oh good we owe five hundred ten dollars fifty seven cents on a Credit limit of$500. Oh, good. Minimum monthly payment was? It's normally$25. Why is it$46? Because that was due the same day as those other two that I slept through. You need a budget. You need a budget more than anyone I've ever met. If you know a payment's coming, we budget to make sure we have money. The money was there.

42:24I just didn't make the payment on time. Why? Because I fell asleep when I got home. Didn't pay it in time. How does someone just, how do you just, I'm picturing you just, skrr, walk in. That's pretty much it, yes. Like, let's do a couple actions before that. Like, we go, berr, and walk in. Oh, okay. Now I'll sleep. Let's do that instead, right? You would think, but if there's a time to f*** something up, I will find it. You just never found time with your ex to, that didn't make sense. any sense i tried to make that made no sense i i tried i make that same joke myself too it was kind of painful going a year without so okay well okay so i keep getting into it then i get another detail yeah i don't need to know it's painful oh man okay what was more painful that or this debt yes okay okay so$12.85 of interest $25 of fees and it was for that mispayment so past due yeah 30 % interest this must be that other car what is this car that is a 2016 Hyundai Sonata now why why does this one exist that was just what I had whenever all this started why is it still here that's what happens when you have a five-year loan.

43:53You're past the lifespan of the car, and then you're still paying on it. When did you get this? Like 2018. I've had this forever. The maturity date is November 2025. I refinanced it at one point, because it started at 19 % with Wells Fargo. Now what is it? 9 point something? 9.6, I think? Usually that's considered a bad rate compared to the rest of your debts. That's one of the best ones I've got, but that was before I fucking did that. insane to say wait before what? I refinanced it before I got all these cards and maxed them out so it was my credit was a little bit better I was like$6.50 back then Sonata okay Sonata it's broken down not gonna run of course it is good my carport broken has guaranteed got a wall sitting on it what the we had a big windstorm can you take a picture and send it to us and put in the video I have a picture at the ready yeah I'm curious we'll put this on screen for all all y 'all oh wow yeah and what's wrong with the car other than that uh engine issues i'm not sure what's specifically wrong you you're allergic to the mechanic like that's a bill i don't have an emergency fund for yeah but you've taken out twenty thousand and i what you didn't have an emergency what you couldn't afford the other mid-monthly payment you took on i didn't know how I could get a loan without anything for it.

45:13So, I mean, security or whatever. Oh, this is the last time. Okay, then we'll add up a minimum of your parents because this has to be just wild. You have a mortgage. Yes. Speaking of which, I mean, you probably have insurance on. Why don't you use that for the carport? When the carport happened? Sometime like October, I think we had a big windstorm. It ripped the roof off entirely. Because I wanted to tear it down eventually anyway. The carport? Yes, Mother Nature just kind of helped. Yeah, but you haven't done anything. Unless that's an old picture. I took that picture a couple days ago. You don't do anything.

45:46You actually do work. I get home and I'm just tired. Well, yeah, you work 80 hours a week and you're making no progress. Okay, but we have a mortgage. Yes. Man, small town Oklahoma. Apparently that's where to move folks because you have a $47 ,000 mortgage. That's insane. That's a down payment on a normal house. It's a fixer upper, but it's got quite a lot of land to it it's a corner lot yeah garage and i used to be carport uh i don't know off the top of my head how do you do you like it you like are you happy with that there's a lot of stuff i want to do to it but i can't do it okay but you want to stay there yes very good 4.7 interest okay 528 dollar minimum payment after everything that'll be about 450 in a year there was an escrow shortage so they bumped my payments up a lot so it was like 4 30 so that was kind of a shock about a year from now yeah okay so but a little fact

46:48over the next six years that you're going to be putting the minimum of the car payments essentially essentially oversimplifying this stuff like 1500 bucks a month towards this is a little graphy that we made and we'll put it on screen as well if instead that money wasn't going to the car which by the way these are the depreciating ever depreciating value of the car is this if that money was put in the overall market instead let's say at seven percent to be a bit more conservative doing the overall stock market since the beginning of the history to the ending for the end of retirement and this is only putting 1500 bucks away a month which is what you put towards the car payments for the next six years this isn't forever this is just the next six years that's where the line all of a sudden stops growing as quick it still compounds and grows and grows and grows to a million bucks by the time you retire but instead all that is going down to two broken down cars and other ones with 30 percent interest which by the way is a higher number than seven percent that's scary to think about yeah it's like not even just scary it's like it's legitimately sad that's a potential one thousand dollars or one million dollars that you could have had a retirement that over the next six years is going to paint on the cars on a minimum that's required so you said you had these extra things from your wife what's the value of all of that you got all these things that you bought her you said it was apple watch iphone the car well that you still have the main things just the car is the only thing i still have the broken down uh sonata that looks to be worth about two thousand six hundred eighteen dollars and we owe what was that five thousand eight hundred nineteen dollars i want to get your minimum of the debt payments because we're going into your checking account next but we just went through what one two three four five six seven eight nine ten eleven twelve thirteen fourteen debts there's another one there is one affirm account well before that with the ones that we knew about your total debt is 113 159 okay 47 for that being a mortgage but even still what's this affirm uh 450 bucks due right now and which cars by the way do you have car insurance on hopefully not the ones that are just sitting there broken i was under the impression i needed comprehensive on them because I'm still paying for them, so I have comprehensive...