I've Never Hated A More Vile Piece of Trash | Financial Audit

26:07Yeah, sticking with the theme. Yep, go ahead. Freaking trailer drops a ratchet strap and it hits the bottom of the car. Like I ended up running through it. So you weren't keeping enough distance. The thing is flying across three lanes. What distance am I supposed to keep? Okay, it wasn't just the car in front of you? No, it was a trailer like three lanes over and the freaking ratchet strap just hit. Were you wearing glasses? Yes. Okay. In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices.

26:52Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middlemen. And I ended up hitting the register. So that means the car is likely worth even less than we have a value now. So that one wasn't There was no body damage to that It hit the bottom of the car And the coolant lens kind of broke Had to replace the whole battery because of that So that's where$10 ,000 Well this is crazy But are you going to be paying this off forever A depreciating asset Something not competing with the overall market If you're putting your money in the marketplace So it's like I don't know, what are we doing?

27:31I don't know The divorce probably has me all over the place because I've been spending more money than usual. You got this car before the divorce. What are you talking about? What are you talking about? That doesn't make sense. You decided not to wear glasses before the divorce. That is the dumbest excuse in this context I've ever heard in my life. Past due. What a joke. I don't usually make excuses. Today, I have no idea. Huh? The finances next. We're already there, buddy. We just talked about the Tesla. Apple card,$6 ,591.39 with a minimum monthly payment of$279.32. Okay. What's going on with this card?

28:21I'm not sure. I've been... Oh, my... They're telling me you've got like$4 ,200 worth of iPhones. My siblings needed a new phone. Why is it on you? Why is it on you? Because they don't have credit cards. They're actually smart enough to not get credit cards. Why would you put it on your credit card? You don't need a credit card to get a phone. I don't know if you know this. They want it at the newest iPhones. What the fuck am I supposed to say? No. Family wants something. They're going to get it. They make money. You spend money you don't have. My siblings do work for H-E-B full time. And that makes$16 an hour.

29:00And you do worse. You just have disability Like every single other person On the history of the show that's been in the military So Okay I don't get it They work at HEB so you go and f*** your entire life Do you say no to your family? If it would f*** my life Because that doesn't help them in the end That means I can't support them I have a problem saying no to people When it comes to asking to borrow money This is$4 ,200 This is crazy This isn't$100. It's not$25. It's not$1 ,000. It is$4 ,200. Were they at least supposed to pay you back? Half of it. Why'd you agree to half? Because you're a part-time worker at CVS.

29:47I stopped working for Lyft because my... Yes, I was working for Lyft before February 20 of this year. Okay. And I stopped working because I let my sticker expire and I didn't renew it. So February, March... And this has to do with you paying half the phones? I'm confused. No, this has to do with the lack of additional income that you don't see. So renew your sticker. I did. Last week. Okay. Yeah. Well before then, why didn't you? I don't fucking know. I was busy driving around. Huh? I was busy driving around trying to take care of it. I tell you didn't because you didn't have a sticker. That's correct.

30:27So then do it. You said it was last fall, last winter? No, last week. No, when it expired. February of this year. Okay, that's quite a few months to just go get it done. I was being lazy. Is that going to be your answer for this entire conversation? No. I didn't have the money, okay? At the time, I didn't have the money. But you, okay, let's just say you went into debt for it, okay? Yeah. With the amount of opportunity cost that you lost by not continuing your income with the delivery services, it would have well been worth it. I was trying to avoid putting more things on credit cards. I get that, but the opportunity cost.

31:07How much did you lose in income? Probably$1 ,500 a month. And did it cost$1 ,500 to renew your sticker? No, it cost$400 to renew my sticker. This is just some basic, basic, basic brain maneuvers. It's like the most basic level stuff. How much have they paid back then if they're supposed to pay half? Nothing yet. When was this? These phones, when was this? In the fall. Okay, so six to nine months ago. I told them to pay me back when they have everything in full. That doesn't make sense though. You can't afford to live. Why wouldn't they do a minimum monthly payment? Why are you relying on them being able to save a big chunk of money on$16 an hour?

31:49That doesn't make any sense. put them on a minimum payment, even if it's a few years long. What kind of logical way? Where? What made you think that? Because that is going to be way harder for them to do. I don't know. My sister decided to go on vacation from Mexico instead of paying me back. Right, because you said do big lump sum instead of minimum payment. So why did you decide that was my question? Probably because I didn't care. I didn't pay attention. Money comes, money goes. In your case, it just goes, though. It doesn't come because you said due in full instead of minimum monthly. You're a pushover.

32:28I'm like the bank to my siblings. You're a pushover in this world. The exes pushed you over. They're pushing you over. Your new boss is pushing you over. The military probably pushed you over. It wasn't always like that. You're a pushover. No, it really wasn't always like that. It became like that over the last six years. Why are you allowing that? I don't know, actually. That's a very good question. No self-reflection in your life whatsoever? Not in the last six years now. It's a long time. Yeah. Okay. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history.

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34:18But that's still more expensive. And I'm okay with things like factor and stuff, but it's for if you can budget it. You can't. You don't have money. Still owed on here are phones that they're not paying for. So you're not going and spending$7 a meal. We get our meals down to$4 by meal prepping. So Gossett, I had a rental vehicle. When my car was in the shop, I had a rental vehicle. It was in the shop one month ago? My car was in the shop for three months. And you just got it? I got it back mid-April. Fuck, okay. Mid-April, late-April, something like that. It was in the shop since February. They didn't give you a Tesla?

34:54No. They always give me a Tesla. Why aren't you getting a Tesla? I just ask and they give it to me. It's not even in my insurance. Hertz didn't have a Tesla at the time. You had a ticket to Hertz? No, the Tesla shop. Tesla insurance. I don't even have Tesla insurance. Tesla, so Tesla, I went through my insurance for my second accident. Did you ask the Tesla repair place that you went to? They didn't have one. They didn't have one. They didn't have one. Okay, good to go, good to go, good to go, good to go, good to go, good to go. Peacock, nothing on there. Apple bill, good to go, good to go, good to go, good to go.

35:30What are you doing? Why aren't you cooking and meal prepping? Come on. You just got divorced. You have time. I study for certificates so I can level up my skills, upgrade my skills. good and I'll give you a course career as one, but regardless, that doesn't take away just a little bit of time on a weekly basis, a few times a week to meal prep. You can't afford these meals. No, I can't. Yeah, you do them, so good, reasonable answer, but you do it, so it's like, what is that? Because it's the easy way out, okay? It's the easy way out. It feels good. It's a lot to acknowledge what I'm saying is true without actually change your behavior, yeah, that is an easy way out.

36:12Sometimes. Not always. That's what a lot of people do. Hopefully things change after this, so we'll see. Pull up your phone. Pull up your phone for me. Yeah. Got these Apple bills and Peacock, these subscriptions that you can't afford to save your life. Open your phone. Is your phone open? Yes, it's open. Then just give it. There you go. I know how to navigate. I'm not going on any. I'm not opening your grinder. It's okay. I don't have a f***ing grinder.

36:44Okay. CapCut, Apple One, Notability, Smarter AI Notes, lots of subscriptions from the past, Audible, Meet Me. So there was a point in my life where I wanted to try to make a little bit of money doing live streaming. and Meet Me was a smaller platform where you can actually just do live streaming and if you got good, you can make a little bit of money and then work your way into different... I don't know, I was trying something different. Well, they're telling me you want to start a YouTube channel. Actually, I'm going to. Okay, what are you making? It's going to be a real simple channel. So I just bought a dog.

37:25I paid$500 for a husky. Great, yes, you're so financially well off. What a good time to get a living thing that is depending on you. No, the Husky's gorgeous. Do you want to say it real quick? I don't give a fuck. What's the YouTube channel, dude? It's going to be the life of the Husky. Right. I don't have a particular name for the channel, so there's no plug. No, don't worry about that. So here. It's a... May I suggest a different idea? Go ahead. A different idea. Me? Yeah. No, I'm suggesting do a different idea. Like what? And a different idea. Just not that. There's a lot of dog channels out there.

38:06It's just like saturated, saturated, saturated. Good luck. You'd have to take a very unique spin at it. It's like one of the reasons we were able to break out here is because we took a unique spin. I made a show that I wanted to see that didn't exist. So we did that. I would think like that. What dog content is out there that doesn't exist but you want to watch? That's what I would look for. And make sure it doesn't already exist yet. Dude, you built this channel to yell at people because they're financially screwed or they're screwing themselves over. You enjoy it. Why would I? You enjoy yelling at people.

38:40And you made money out of it because it was related to money. What are you saying? You're saying we only do this to yell? Maybe. Well, no, that's overly simplistic. Not even close. A lot of people have changed their lives, including hopefully you. A lot of people in the audience as well. but of course, yeah, absolutely. I'm very intense. That's my personality. That's good. That's good. Sometimes people like me need that. Yeah, a lot of people need it. But no, they didn't start a channel to yell at people. Trust me, these vocal cords hurt at the end of the day. Oh, and there's Apple Store, Apple Store, Apple Store.

39:18That's at a 26.24 % interest rate, buddy. He lost$500 this year in interest alone so far. Stop with that. That is noisy. Stop. Okay. A little, okay. I fiddle, okay? Fiddle? I fiddle. I'm moving on. I'm moving on to the Amazon chase. Pull out your Amazon for me. Okay. I mean, this one's always paid off, so I'm not going to write it down. But you spent$41 on this. And it was Amazon, OpenAI, and Amazon. You have had interest this year so far, so you don't always pay it off. No, yeah, that's correct. Why? You want to know my Amazon? Yes, but also, why don't you always pay it off? Why don't... Because I don't always have the money for it.

40:02And I don't have to... Then don't purchase. Why the f*** are you purchasing if you can't actually pay for it? Because credit is good. Credit is addiction. What? Credit? Having bad finance... What's your credit score? Like, it's above a 650. Great, yeah. It's doing so well. No, like... What the f*** are you talking about? Three months ago, it was in the 720s, 740s. Great, so you're doing worse. What are you talking about? I'm doing worse because I put 10... I get advice from you. The People Code. Are you trying to learn how to have a conversation with people? Might be nice. Razor Kinshi Ultra Gaming Mouse.

40:40I got that to test that out. I'm actually going to return that. So that one's the only thing I'm returning. Colossal Foot Rasp and Wood Handle? I don't want to pay$50 to go take care of my fucking nails. Okay. Well, it says foot. Yeah. Well, my nail is my feet. Okay. Okay, and then toenail clippers for seniors. Okay, so we're spending on Amazon, money we don't have. Interest is sometimes accruing. That one was paid off this last month, so I'm not going to put it on there, but that is sometimes what is happening. Okay, Costco, City Costco card. Rinse takes your laundry and hand delivers it to your door, expertly cleaned and folded, so you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you, like tea time you.

41:26Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. What's going on with this? This balance is insane, buddy, and you spent more on it while interest is accruing. Then you actually paid towards it. It takes 12 years to pay off. You'll be your age you look. No, not at all. I'm not going to take 12 years to pay off the Costco card. Well, right now you're making it take longer because you're spending more on it than you put towards it. So that's just minimum payments without purchasing.

42:10But you're incapable of not purchasing. So what the f*** are you talking about? No, you're over the credit limit. You're over the credit limit. That, I had no idea. He bragged in the beginning about never missing payments. He's over the credit limit. You win some, you lose some, okay? Despite logging nearly a decade of consecutive losses, he's finally ready to hit back. You lost your marriage. You're losing every debt in here. What are you winning? My sanity back. My peace of mind. Not that I see. That's a start. What? What is? Regaining my peace of mind. Oh, I thought you were talking about sanity because...

42:50Well, if you have peace of mind, you can get your sanity back. $270.66 is what you owe on here with a minimum repayment of$178.06. $196 of purchases and$26 when you only put$140 towards it. Well,$74.40 of interest is accruing. Why purchase on a card that is over maxed at interest is accruing that you can't pay off now? You laugh about everything. Is everything a joke to you? The bank allows it. What am I supposed to do? Not? Do that? Have some sort of discipline in your life? You're in the f***ing military. You know discipline. Yeah, laugh about that. No, I did lose my discipline over the course of years.

43:30But... Take this. I don't have words. No. I'm asking why! Because I f***ed up. That's not an answer. That's not an answer, dude. That is a f***ing get out of this. That is a, you're trying to get a, get out of jail free card. Why are you putting it on this card? A card that you cannot pay off that is over the limit that is accruing interest. Because the banks allow me to. That's why. Good. Okay. So you have no ability for any kind of self-reflection in your life whatsoever. You are incapable of looking at why you do something. The cause of your actions, you are incapable of having any idea.

44:22Some days. Other days, not so much. Well, now would be a good day. Duly noted. No, we're in it now. Don't note it. Do it. Okay. Actually, no. Not yet. Let's keep going. Not yet? Not yet. Go through the rest of the finances first, and then we'll talk about it. Quiet. Tiller HQ trial over. $79. What is that? That was a one-time yearly subscription that I got to try to manage my finances. Yeah, and how's that working? Because it puts you over the credit limit. And then you purchase on Costco as well, of course. 30 % interest rate. Late fees this year. You said you've never been late. There's a late fee this year so far.

45:07You said you've never been late. Okay. You've never had a late fee. There you go. That is. You know what hits harder than a sunburn after a three-day festival? Check in your bank account after summer. With all the travel, concerts, and that daily iced latte habit, your wallet is probably looking thin, but one thing you don't need to keep overpaying for? Your phone bill. And today's sponsor, Helium Mobile, helps that, and they've got something called the Zero Plan. It's a real, reliable phone plan that costs$0. Seriously, bring your own phone, your own number, and boom, you got nationwide 5G service.

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46:17That's how they keep things affordable or even free without sacrificing coverage. So, yeah, take the win. Reset after summer spending and switch to Helium Mobile. It's free, it's smart, and it doesn't feel like financial sabotage. Let's get back to the episode. I've never had a late fee hit my credit reports. That's what I was bragging about. I'm just saying it hits your credit. You had a f***ing late fee this year and you're late on your Tesla. What a joke, dude. Undisciplined, pushover, unable to self-reflect. Come on.

46:49Where's any integrity in your life? Any kind of self-respect? I need you to start having it. Do you go to therapy? Yes. Okay, go to more. Okay. Or see a different therapist. I might need to see a different therapist, too. I might need to see a different therapist, okay? Yes, I heard that. Why? Why? Because my therapist always just agrees with me. There you go. See a different therapist because that's not good. You had a late fee. Why?

47:20Because I was waiting for my For my middle of the month paycheck to hit In order for me to make a payment on the card Then why purchase on here if you're not able to make a payment on the card? Because even if I don't purchase it I still have to make a payment You don't have to make a payment I don't have to make a payment What? They want to be lower payments Lower more affordable payments If you weren't continuing to purchase on here And then all of a sudden your late fees makes your balance higher Your interest makes your balance higher Because your balance is already higher making your interest a higher amount, making it even more unaffordable for you to be able to make that minimum monthly payment.

47:53Buddy, I don't know. I have no idea. Oh, for f***'s sake, this next one. What is this? This Amex everyday, what's going on? My insurance goes on there. My charging goes on there. My internet goes on there. My cell phone goes on there. And other than that, I don't really swipe it. Probably I have maybe one or two subscriptions. Buddy, you owe$6 ,774.84 on here. That is f***ing crazy. You purchased$833. That's not just subscriptions. When you only put$200 towards it, well,$158 of interest is accruing. Mine's f***ing you. $224.22 is your minimum monthly payment. Hey, how long does this take to pay off if you don't purchase on it and you make your minimums?

48:42How long? Which you're incapable of. Of course, as we learned across every statement. A good 19 years, if I'm guessing. Yes, you looked when you sent it. I did not look. I'm blind as fuck. I'm a blind bat. I don't have my glasses on me. You're not able to look at your statements when you sent them to us? What are you talking about? Don't be a moron. I just downloaded and sent them. I didn't even look at them. Fine. I, Scott's on her. I don't care. Buddy, it is a$224 minimum payment. No shit, you can't afford this shit at this point. And not to mention it. But you're still putting money on it. My insurance is$250.

49:14What is your living situation right now? I have a mortgage. I don't have roommates. So you live in a house? Yes. Why the f*** don't you have a plug? It's all Tesla charging, Tesla charging, charging, charging, charging, charging, supercharged, supercharged, supercharged, supercharged. Pull you in and not at your f***ing house like I do and I don't pay sh***. This is f***ing crazy. This is crazy what you are spending. There's your insurance for Tesla. But the supercharge, supercharge, supercharge, supercharge. And other AI subscriptions like the fifth we've seen. It's not going to make up for not having a personality.

49:54Supercharging. And then your phone bill on here? That's crazy, too, on a credit card. Come on. Supercharge, supercharge, supercharge. Why don't you? Listen, you can even just get the bullsh**. What is it? Four miles an hour charging? The 12 volts? Yeah, but at least it gets you something overnight. Right? But still, it's like, what,$150 one time and you get the, you know, when you have a little free prong? Then what the f*** are you doing? Because this is moronic then. That's extra moronic. I do charge at home. Then what are you doing, you t***? You just gonna see me? My new f***ing battery has like 220 miles of range.

50:28My previous battery had 270. You used 220 miles to go to your part-time job a day? It's not the only driving that I do. What are you doing? I also tried to do DoorDash on the side. But you don't.

50:43Is that even worth it at this point? No. Look how much you're doing. Supercharge, supercharge, supercharge. And then there's internet payments and then supercharge and then Microsoft. Supercharge, supercharge and Spotify. Fuck you. Listen to ads. You don't have money. You can't afford to live. I don't give a fuck. You're only surviving because you have disability. That is true. No, that is. Well, you wouldn't be surviving off of$1 ,200 a month. Yes, you're only surviving off a disability. No, because the mortgage is like$2 ,375. Yeah, so you're only surviving off a disability. Yeah. These are insane.

51:21And even if you shouldn't be making these purchases, but even if you do, on a checking account, buddy, you're making this balance go higher and higher and higher, and the interest goes higher and higher and higher, and we end up with the payments go higher and higher and higher, you're going to hit that wall. Like you hit everything else while you're on the road And then There's gonna be no Then your little brag about never going through bankruptcy Yeah that's gonna happen Car repoed Mortgage foreclosed You're gonna be Cause you're pushing this to an unsustainable point It already is But you're pushing it higher So you're gonna have your little subscriptions And bullsh** And charge on the go Instead of plugging in overnight You don't need a Tesla You shouldn't have gotten a Tesla You specifically I like my Tesla.

52:06It's a good car. It fits my lifestyle. It does not fit yours. I should have gotten a Camry after my Ford Fiesta. Sure, I don't give a f***. It's not a Tesla. It doesn't make sense. For you, specifically. I didn't want a Camry. Don't care. There's many other options between. What other good cars are there? Buddy, you could just have anything. I'm just saying you can't have something where you can't just fill up a... Toyota's reliable and Tesla's reliable. Everything else, a lot of mechanical issues. Hyundai? Yes. Yes, Hyundai. I had a Hyundai. Isn't that quite known for being reliable? Just don't get a Nissan.

52:45No, I'd never get a Nissan. That's what I just said.

52:51No fees this period. Interest$158. Oh, you actual little piece of s***. You've had about four late fees this year so far on this card. We're in month five. You've had three to four late fees this year so far. What a joke. What a joke. Yeah, laugh about that. Cope giggled your way through it. What a joke. Come on. Where's any self-respect you have for yourself and your future? If you want to get back out there, you want to meet another girl, you got to take care of yourself first. And that can start with finances. Because even if they're attracted to you, once they see this, they're going to run.

53:30They won't even run. They'll fly. Like, just vetoed. Critical takeoff. Just go. So what the f*** are you doing? Three to four missed payments in five months? What? Does that not feel disgusting? I feel disgusted. I feel it in me. That is gross. I? You did it. It was you who did it. Did I blame someone else? No. Yeah, but I want to hear why you at least think. Maybe you can't give me a perfect reason. I want to know, Elise. I want to see a little skill of reflection.

54:07I use spending as a coping mechanism when I'm not doing okay. Buddy, I ask why you weren't making your payments. Because I wasn't keeping track of anything. I don't have anything set on out of it. So what's different today? Nothing. Nothing's changed. In fact, the divorce has only gotten worse. Now you're in a legal battle. So things have only gotten worse. Credit's gone down. So what is there positive for me to hold on to here? That's a very good question Yeah, I want to fiddle some positivity Uh

54:42I got nothing At least for right, I got nothing Yeah, it seems to be a trend in this conversation Yeah Which doesn't give me a lot of optimism here I'm not trying to beat you down, buddy But I am trying to wake you up And I am trying to crack you open And unfortunately, there doesn't seem to either be anything there or you're just so far gone and you don't care. It's not that I don't care. It's really not that I don't care. There are points in your life when you get so far down the hole that it just doesn't even faze you anymore. Do you not want to escape the hole? I'm trying to build a ladder out of dirt.

55:25So don't use dirt, you moron. I have no other tools. I'm in the hole. It's just dirt. It's just a hole. You are not going to metaphor your way out of this. A for effort. Your little participation trophies is probably why you're where you are. You've got on a slap on the back. Good job. And you can just be a failure throughout life. It doesn't matter. And then your wife leaves you. $1 ,133.96 on this Bank of America card. with a minimum monthly payment of$37. No purchases, but$26 of interest is accruing. Eight years just to pay this one off using minimum monthly payments, which is all you do, and no purchasing, which, at least lucky for you, you did not on this.

56:10So, I can tell you where that$1 ,200 came from. Four to six months ago, I decided to try to take care of my car. Puts around my coating on it. Oh, it's this car, man. Okay. Oh, good late fee this year so far. Sure. Keep going. And, uh. Dude, that's crazy. This is insane. So I figured if my car looks good, my house looks good, and I look good, I feel good about myself, and I can start doing something about it. It didn't last. Buddy, this isn't easy. I see stubble. All you have to do is grow, shave. Just do the opposite of what you're doing now. This is so simple. You can be a thick boy. It's fine.

56:53Trust me. My little philosophy for everyone out there when it comes to sex before I was in a relationship, whatever. It was like, I don't really care until all of a sudden I can't people that I find attractive. But I've never hit that limit. For some reason with the chub, people still go for. So it's okay. Just get rid of that because that's a little scary. And then grow this. And I bet you'd be a handsome dude. You got that natural tan. You're a little olivey. You have something. You laugh a little too much at inappropriate moments. And you're a little ****, but you, I think you'd be okay. I probably will be okay.

57:37I probably will be okay. I just need to actually just take action. You're out there ****. When was the last time you got some? I haven't gotten any since my wife moved out. She moved out in November 23 Oh, poor guy Oh, poor man Oh, buddy Uh-huh Oh, geez Yeah, that must fuck with your self-esteem Are you trying to? Have you attempted to? No, I did have one And that was in July When she came to visit Right before she was From where? From the north Okay The north, okay I'm trying to keep discretionary to not say what state she's in. She's in the Midwest, North. Sure. Pharmaceutical company. From the union.

58:29Yeah. Okay. And other than that, I really haven't had anything. But you... Okay, I'm just saying. You know, there is a little stuff to see. You're young. I need to get out there. You on dating apps? You doing anything? No. No point in doing any of that if the divorce is not finalized. I mean, she's gone. It's the principle of things at the end of the day because why do I want to start a relationship when I'm still trying to go through a divorce? I'm a very sexually active person, of course, but I'm a little locked down now, so it's okay. $105 of interest accruing this year. And it's okay to be sexual.

59:12Who cares? Our culture is very anti-sex right now. That's whatever. I don't give a f***. Get out there, man. go live your life

59:23I need you to have some self-esteem back that's what I'm talking about I know that's very personal and I love you know making jokes and going down that alley quite a bit this is you know my immature little brain sure but the thing is I do need you to get some self-esteem back if you're not getting self-esteem back I don't see you coming out of this if you don't have a purpose I don't see you coming out of this if you're not putting in any kind of work like okay I get it and I get pushback sometimes where it's like you know I put in the effort I put in the work to get out of finances, to build a business, a lot of different things in my life.

59:51It's been very successful, but I haven't put in the effort for my own physical health. Okay, sure. Got it. But I've, my style game at least a little bit, this isn't like fantastic, but it's still better than it used to be. Whatever. It doesn't matter. You got to put in work somewhere. Right now you're putting in work nowhere other than coding on your car. So I just, I need to see some self-esteem, some care about yourself. Cause if you don't have that, you're never going to put in effort. I'm not surprised to see no self-reflection because you have no care nor desire to look at your mistakes, to try to change them because you don't have anything going for you right now.

1:00:27And I'm not saying that it's a slam or a dunk against you or a beat down. I'm saying you need to find reasons to live, reasons to get out of this. You need to find some self-confidence. The Burlington Coat event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details.

1:01:07Or I'll tell you the point. You'll never have the incentive to actually sacrifice because it's going to take immense sacrifice to get there. Okay. Best Buy card. $7 ,828.14. That's chunky for best buy? Why? I mean you purchased like three bucks. Why are you purchasing? Minimum monthly payment$179. But even still white. $2.55. Why? $100 of interest accruing 25 years to pay off. You know, I actually don't know what went into this card. I don't know why the limit's at$7 ,000 right now. I don't remember, to be honest with you. So you're over the limit by$828? The credit limit on the card is$10 ,000.

1:01:55Oh, you just said it was$7 ,000. Okay, go on. The current limit of expenditure is$7 ,000. The credit limit is$10 ,000. Okay, go on. And so in December, between three cards... You just got it at CVS. You work at CVS. You just got a snack at CVS. Yes. And you use your Best Buy card for it. Oh, good. Three late fees this year so far. Well, you do only live once, so. So as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with course careers? Because I truly believe in what they're doing.

1:02:32A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Horse Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow.

1:03:05I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, it's about landing a job.

1:03:40Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process, from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for$50 off the full course. Your future starts right now, and Course Careers is here to help you shape it. What? That doesn't make any sense.

1:04:10Explain that logic to me. If you're going to have some kind of logic in your life at all, please try to explain it. If you want a funny logic, you build debt, you die. No, the logic of what you just said, you only live once. How does that apply to this? Please. It doesn't. Anyways, I, yeah. Yeah, so in December of this past year, after I graduated from university, which I have no student loans, by the way. Yeah, you're in the military. No, actually, I don't get the 9-11. I didn't get the 9-11. So I didn't get the$1 ,500 a month, which my school paid for. What'd you get? I got two years of Chapter 33, which is vocational rehab.

1:04:51I paid for my first two years of school. Okay, you graduated what? What are you saying? What are you talking about? So after I graduated, my wife wanted me to go to India to try to quote-unquote deal with the whole dowry. No, I wish. No. She wanted me to go to India to try to see where the marriage stands, separating or getting back together or something. She's in India right now? No, she was. Why did you have to go to India for that? Because she wanted me to go see the family too. So food poisoning would unite you guys? I'm confused. No, I don't. I mean, if you want to talk about food poisoning, just go to Mexico first.

1:05:35Okay. It's a lot closer. But you don't have to react to every single thing I say. So you went to India. Yes, I went to India, and I spent$10 ,000 trying to get there. Why? Because for the first time in my life, I did the incorrect thing, and I tried to book through third-party to trade money. Yeah, first time in your life. When I book flights, I book directly with airlines. This is the first time I've booked with third party, and I was not able to get any money refunded. Who was the third party? UK websites. Why didn't you just book a trip to India? I'm so confused. How did this cost$10 ,000? How possibly?

1:06:10So I had booked every flight. Originally it was$5 ,000. Originally it was like$5 ,000. Because I was booking flights one week in advance. And December flights to India are the most expensive. Why didn't you plan out? Because I wasn't planning on going to India. Originally, I wasn't planning to go to India. Yeah, but once you decide you are, just do it a month later. She was in vacation from the second week of December to the first week of January. And it was mid-December when she... Okay, well, obviously it didn't work. No, it didn't. What are you telling me? What are we talking about? What are we even talking about right now?

1:06:48Part of that$7 ,000 is the flights. I still don't know how it costs$10 ,000. Oh, you didn't even go? You didn't even get on the plane? Oh, guy. Oh, guy. I wasn't let boarded. So the ticket was through third party, and then they got the ticket from Air India, and it was operated by Turkish Airlines. Turkish Airlines refused to let me board. And you're going to be using Turkish Airlines again very soon. Turkish Airlines did not let me board because I didn't have a physical copy of my permit. Why? Visa. Why? Because I booked, I got my expedited visa 12 to 24 hours before my flight and it just didn't come in the email yet.

1:07:39And I told them by the time I get to Istanbul, 12 hours from now, 11 hours from now, I'll have the visa on hand for immigration. They said, f*** you, you're not getting on this flight. Within five hours of them not letting me get on the flight, after leaving the airport, my visa came in. You think if you went, you guys would be together? Oh, no, I ended up booking a second flight Can you tell me exactly I understand the little line she did And it sounds like she's probably a bit more traditional Because they're a bit more conservative there relationship-wise Where she comes from What was the straw?

1:08:08What made her be the divorce? Ask the divorce What was the straw? The final straw? Nail in the coffin? Blah, blah, blah No, so there wasn't the final straw Oh, come on There was the final straw Final nail in the coffin Final dot on the head She didn't ask for it once And she asked for it five times over the course of 18 months. She asked for a divorce five times? Over the course of 18 months, yes. I asked her on her wedding night, never utter the worst divorce when I will stand next to you no matter what. Fine, why was she asking consistently? She says I wasn't treating her nice. Were you? Yes, I was.

1:08:43I mean, you guys didn't have sex for the last year of your marriage. She moved out. Where did she move to? when she moved out? She moved to the state in the north in Indiana. The state in the north, Indiana. Yes, okay.

1:09:02So, like I said, she got picked up by a pharmaceutical company. So she was working for Honeywell originally. Why did you go with her? Because I was still getting my bachelor's degree. Okay. How would I transfer from my wife? There was no university that was good in Indiana for IT. Bullshit. I had like two semesters left. I knew Bloomington, Notre Dame. Notre Dame, I think it's private. But even still, Bloomington, great.

1:09:33I had over 70 credit hours. Not enough. You can transfer, you tits. What do you think transferring is? Yeah, but there's a limit on the number of credit hours you can transfer. It's like 30 or 40. I don't know about that. It would have set me back a whole year. I don't know about that. Are you sure? Yes. So I'm going to fact check you right now What is it going to say? Depending on the university University you're transferring from or to? To Not transferring from Come on, I bet you've went I'm thinking of Bowling Green, that's in Ohio Kent State I think that's in Ohio too There's a lot of universities in Indiana though that you can go to How many are going to let you transfer more than 50 credit hours?

1:10:14Because I was like at 80 But when she moved I was at 80 credit hours and my degree was 120. It would have sent me back a whole 30, 40 credits. And on top of that, I was using chapter 33. By the time that she moved out, I was using chapter 33. Well, yes, that part's a bit more interesting. 64 credit hours. For which university? Indiana University. Indiana State is 94. Really? University of Southern Indiana, that one's 39. 32 for Purdue. Evansville, 72. So, f*** you. Again, I asked you if I fact-checked you, would it be true? Fact-checked you, not true. Which ones are Indianapolis? Buddy, again, you might have been able to do online for those universities still as well.

1:11:07But Indiana is also not that big. It's a small town. Indianapolis? It's still a city Buddy, I'm not going down your f***ing rabbit hole Yeah, two missed payments on this card As usual, 357 This is just a joke I mean, how are we even going to pay all this off Like you don't even start your job If you honestly even like f***ing started To even begin with Because I don't even know with your life In the fall Well, I actually was hoping to see if I can interview with you I was hoping to use You are interviewing Yes, for my financial life not for a position here with you. One of our job openings? Yes.

1:11:49Okay, what job opening do you want here that we have open? What are you qualified for, Mr. IT? I don't think we have an IT opening. What do you want? We got sales, we got HR director. Sales, I could actually be good at sales. Okay. I did sales for two years with Comic-Con, and I was actually pretty good at it. I really was. And as far as IT goes, probably fix your Wi-Fi, because not all your rooms have good Wi-Fi. And then just make sure the network's always up. It's a work in progress. Yes. We'll see. We'll talk towards the end. Navy Federal Credit Union. Okay, Visa Signature Go Rewards card.

1:12:30It's at$19 ,368.67. That's horrible. What's up with this? The other 5 ,000 of the flights are on this card, I believe And then The other 15 ,000 you owe? Yeah The car accident, 10 ,000 The other five? The other five, I'm not entirely sure, actually Right, exactly $453.32 is your minimum fee payment Which is disgusting, insane And I bet there's late payments galore on here You're going, you're getting groceries on this card A card you can't pay off Going to the movie theater, not with a date Los Crucos restaurant dining, not with a date. Going to the movies, not with a date. This is insane, buddy.

1:13:19Insane. Now, it's not a statement. It's screenshots, and I bet I'd see late payments galore, late fees galore in there. This is your highest level credit card we've talked about so far. Highest balance, and you're laughing. What do you want me to do? Is this another Visa signature? Okay, Visa signature? 2.0. What do I what? What do you want me to do? Cry on camera instead of laugh? $9 ,548.91. I don't know. I don't buy that. Listen, you're just incapable of self-reviewing. You know you're in debt. I just don't think you have the motivation to change. I don't think you care to change yet. I really don't.

1:13:59You know you're in debt. It's uncomfortable. I don't think you're there. $9 ,548.91 to throw down here. What's the minimum monthly payment? I think$240. No? $240. Well, maybe. I don't know. It's not right here. I can check. He didn't send a... Let me pull it up. It's okay. It's fine. What is Primerica? And then, of course, we've got Costco. Oh, I need to cancel Primerica. Salon. Men's Show. Men's Show. GameStop. You went the... You spent$257.31 at GameStop? Yes. I mean, what? I got a PlayStation 5 for$250. Why? Because I play video games I don't buy skins on video games I love video games Video games are great We need to take care of some self care first We need to turn around your life Before we're sitting down and rotting Yeah and then you're paying for PlayStation Network, buying some video games So the payment actually For this one is actually$200 $200 $200 Discover it This is insane.

1:15:07This just keeps going. Yeah. This is the interesting one. Yeah? Not in a good way. $2 ,121.55 with a minimum of the payment of$43. Interest of$2 ,251 is accruing. This is the only - It's$1 ,244 of purchases. Why the possible f***? Boosting it basically to the credit limit. Why? I actually looked - This is the only statement that I looked at when I sent everything. and I looked at the spending analyzer. Apparently, I spend a lot of money on food. Yeah. About$568. Ganja going into the gas station getting some bulls**t. Faux Viettes. Huet, Luan, Sean, the BEP Tea House. Rainbow.llc. Told you. Rainbow.llc.

1:15:59Tosca Italian Gourmet. N-H-A-T. Get in some bulls**t Ram tech Who knows McDonald's Michaud Baggy Park Bagby Park Oh La Calais La Calais La Calais Break time tea lounge It's La Calle Just $41 Yeah the interest just started accruing This is new Yes This balance Oh this is so stupid Why? So you can just f**k your life over more and push another one to the credit limit? Sometimes when we go out to eat, I buy for my friends. Sometimes I don't. Why? Why are you buying for your friends? You're financially... They can pay for their own food. You can't even pay for your own food. No, no, I can't. The banks pay for my food.

1:16:59And I just pay the banks back. Buddy, I'm borderline about to give up on you. Just look at that. Look at your reaction. How you say things. It's so stupid. Discover card. Tell me the balance of the Discover card because I don't know. You didn't send a statement. That is a statement. The same one we just saw? No, so that's the... What's the balance? Like$2 ,000. What's the minimum monthly payment? Oh, check me, dude Discover card Yeah, we're going, we're getting some wrap and roll Stopping and getting some bullshit at your job Stopping and getting some bullshit twice So stupid Oh! The balance is$2 ,400 And the minimum payment is$3 ,750 $3 ,750 $3 ,750 Yep And then we got Cruisin' Told you guys McDonald's Going in and getting some bullsh** Fuji tea Tortillas Gigantes Tortillas Gigantes Black Market Interesting The BEP Tea House Quench It Soda Dude Starbucks This is all Just a joke Freedom card Minimum Balance $1 ,306.79 Minimum monthly payment $40 Still purchases under here too You f*** Dude Doesn't make sense $24.88 of purchases $367.58 Of purchases $407 is your payment But it's basically the same Balance because of interest And it's Turo Inc I think.

1:18:57Renting a car? Of a Toro? No, actually, I can explain that one. I'd love to see you try. Please also explain why you have a late fee on here this year so far. The late fee I can't explain, but I can explain it to Toro. Of course you can. Go ahead. I told you my brother works at HEB, so he has a friend who wanted to rent a car for prom, and he said, I have cash. For prom? Yes. The guy said, I have - Who's your brother? My brother is 20, his friend is 18, and his friend is still a senior in high school. My brother's already graduated. Great, so you're paying for someone's prom. Okay, keep going.

1:19:30And my brother's like, can you do me this favor? The guy's willing to pay you cash just because he's not 25 years old yet. That's why he can't rent a car in thorough. He wants to get this car. Yeah, but his parents should be able to. He has a parent. He is 18. He has parents. Why are you f***ing around? Why are you f***ing around? Because I fell for his sad story. Parents are divorced It's also kind of illegal isn't it It's kind of illegal isn't it They rented a car for someone else Because they didn't qualify age wise That I don't know I don't know if that's illegal or not I can't tell you Uh huh And uh The guy never showed up with the car So I asked her for the money back So that one doesn't really It's going to come back I give the kids back See, the phones that you purchased for them never came back.

1:20:21Good luck. No, this one's going to come back. I asked Turo for the money, and I gave the kid back. Oh, Turo. You asked Turo, and they said? Yes, they're going to refund me. Why haven't they? They said seven to ten business days. Since when? Like last week.

1:20:39We'll see. I hope so. Either way, you still put it on a card that has a balance, that has a community interest. How is this seriously continuing? This is so crazy. All right, Sapphire. You owe$1 ,261.65, minimum monthly payments of$40. Takes five years to pay off. If you don't purchase, of course you're incapable of that. Oh, looky, looky, we have$95 of fees just this month. And then$25.17 of interest and$51.80 of purchases, even though you only made a$40 minimum payment because we're f***ing our lives in every way whatsoever because we don't care because we've given up because there's nothing to live for.

1:21:15Oh my goodness, there's still another credit card next? This is insane. You got premium and then you also, a FICO, you're paying for FICO score? Credit card, it's free, dude. It's fine. Oh, okay. Yep, yep, yep, annual membership fee right there and then you've also had about a late fee every single month this year. So it's just like, ha ha ha ha! I'm giving up. I'm giving up. Because, again, I don't have anything to latch onto for you as a reason to be like, let's go ahead And changed for this But you've given up There's nothing here I can't do anything for you if you're just gone

1:21:59Buddy

1:22:04It's the Amex What have you done to your life? $20 ,221.72 You get disability for the rest of your life forever, and yet you've thrown away free money, free college, all that shit, military benefits and getting houses, all that shit. You're just throwing it away to swipe on credit cards. What a joke, man. You owe$20 ,221.72 on here. Minimum monthly payment. No wonder you can't afford life. $501.81. since interest 153 53 that month alone then 39 hours of fees let me guess late yeah what a joke how how would you get this how'd you rack this all the way up yeah it's a late payment shocker oh yep and that's a personal loan what the america oh it It is a personal loan, American Express personal loan.

1:23:10Why? For what? Originally, the loans were to consolidate my debt. You just bragged at the beginning how you didn't go through bankruptcy. You basically did the other thing. What a joke. Go on, keep talking. No, originally I had all of my cards paid off at zero except for two, the two Navy Federal Credit cards. This is right before the divorce essentially started happening and all this other bullshit. Ladies and gentlemen, I'm going to say this to you because I don't think saying anything will matter because I think this is done if we're being completely honest. But do not consolidate any debt or go through bankruptcy until you have proven you've changed your behavior and living in a budget, living within your means for at least six months because then you'll end up right back here.

1:24:00You can use our budgeting app and take our budgeting course and all that to help you get to that level if you're not there yet. But my, what a golden example of how to f*** everything Be honest, dude, I don't know what the f*** happened When I left the military I do, you spent Well, yes, but here, let me tell you how bad it's gotten When I left the military in 2016, I had$1 ,000 in credit card debt And I had$10 ,000 savings I've gone from that to this And yet you have no reason in your life to change it and you have no ability of self-reflection or care. And that's what scares me more than these numbers.

1:24:44A SoFi personal loan too? Yeah. Is this another consolidation? It was supposed to consolidate the two Navy photo credit cards because the payment was actually more on the cards. It's a 12.76 % interest rate. You owe$19 ,691. What the f*** is this piece of dog s*** do-do? Scheduled monthly payment is$14.27? Yes. Oh! What the f***? What the f***? Part of the reason I'm here, because I don't know what the f*** anymore. I really don't, and it hurts, you know? It f***ing hurts. It might not look like it. It might just be like I'm just goofing off, laughing, coping with a f***ing laugh, but it f***ing hurts, dude.

1:25:31I have never been this financially unstable When were these taken out These consolidations And the cards brought to zero When was this Right before I filed for divorce So the end of last year So this all got up Within 5-6 months What are you Someone who went from being relatively stable And on track To paying off debts Oh, dude. Dude, I don't know. So the SoFi loan was taken out last August. Buddy, it's okay. The Amex card was... Look what you've done in a year. Even just less than a year. I'm done. Type in your address. The audience won't know. Type in your address. That's fine. Of the house that I'm looking at this mortgage.

1:26:24Yes, yes, yes, yes. At Capella University, learning online doesn't mean learning alone. you'll get support from people who care about your success, like your enrollment specialist who gets to know you and the goals you'd like to achieve. You'll also get a designated academic coach who's with you throughout your entire program. Plus, career coaches are available to help you navigate your professional goals. A different future is closer than you think with Capella University. Learn more at capella.edu.

1:27:00Your mortgage is$17 ,26 ,05. Yes. And you owe$304 ,493.91 at a 4.5 % interest rate. Okay, it's only worth$320 ,000, so if you sold this today, you would likely have to offer up money. Yes. There's no equity whatsoever. A little bit, but after costs and everything and commissions and bullshits, yeah, you'd be done. You'd be underwater. So this is not a good housing situation. And interest rates great, but how do you afford a new roof if something happens? Or a leak, or a HVAC system, or really any million things that can happen with a house. I'm currently looking for roommates. Yeah, that's a minimum.

1:27:43That's a minimum, buddy. That's a f***ing minimum. Checking account,$13. Is that it? I didn't see anything else. Oh, this is the safe. What is this? Yeah, Chase,$13. $146 in this Navy Federal.

1:28:01Utilities and Zellin, Zellin, Best Buy. Not even the Best Buy cards, it's Best Buy. Did I give you my SoFi checking account? You can pull it up. My taxes just hit. May have missed it. My taxes just hit, which is a good thing.

1:28:23If that's it, listen. And it's going to just go completely away. And even if it goes towards the debt And not towards bullshit The debt will be brought back up Because look what you've done

1:28:39Okay A couple thousand in here It's because the taxes came in Yeah That's why

1:28:48Bills Bills Bills Yeah this is bills Great so all our spending is on credit cards So it's the opposite of Here's the thing dude Let's just be honest If I added up all these Midnight payments It doesn't work No it doesn't Especially with income So here's the thing A budget isn't what's necessary Because I can budget And then you'll be underwater It's like okay There's a few things One You just need to go Pick up three more Part time jobs Like Dave Ramsey says I both have a debt problem And an income problem Hush now Hush now You need To go Pick up a million in part-time jobs until the sale of the job starts.

1:29:29We're not going to hire you. And you need to prove to yourself that you are able to live within a budget and make just your minimum payments or just let some of the minimum payments go. Honestly, just let them not be paid a little bit and get some late payments, hit that credit, but prove to yourself that you can budget for about three to six months and then go through bankruptcy. if you can prove that you're able to budget manage your finances and actually maintain life in a reasonable disciplined way you can go through bankruptcy

1:30:10that's what I would do if I were you and you're going to go make all the income you can now working a million different jobs until this other job starts live within your means there prove that you can budget show me when you come back on the financial audit follow up channel and then go through bankruptcy because you're never going to. The amount of income you would need to earn to get into this situation, at a minimum I would call the banks and just be like, hey, I'm f***ed, please, please, please. They'll bring the interest rates down to like 15%. Some will even bring it down to like 5%, 1%, 0%.

1:30:41Then they'll close the cards. But that at least helps with these minimum payments. I don't know how the f*** you can afford them. Even your$63 ,000 a year job, it's going to be tight. It's going to be hard. yes, bring in roommates bankruptcy might be a play here so you brag about no bankruptcy it's honestly what I would do but you have to prove that you're not going to end up right in this position again just like you did after your consolidation because if you go through bankruptcy and you didn't change your behavior I will be seeing you on this show in an identical situation in a year or two okay

1:31:20Now ladies and gentlemen I am going to make the Hammer financial score But I will say there is something he didn't want to talk about In front of the paywall For the post show Because there's hundreds of thousands of people watching this But in the post show we are going to talk about some juicy drama So make sure you join that Hammer Elite is the best YouTube membership in the history of the platform The platform themselves has said that Consider Join really helps support the channel Thousands of hours of extra content But your Hammer financial score You're lucky you have a house Spending in a budget, easily overspent You weren't making payments, it was ridiculous Debt, missing payments, 0 out of 10 Serenity is minimum payments, it doesn't make sense First time I've given a 0 out of 10 without IRS debt or anything Or collections, but that's horrible Emergency fund, a couple thousand in your checking I'll give you a 2 out of 10 there This is because your tax return just hit Retirement, I mean The disability thing's interesting Do you have anything to TSP?

1:32:13I have$1 ,000 with Charles Robbin. Okay. I'll give you a 1 out of 10. Real estate can't just go sell it today, so it's not a great situation, but at least you're in there with a low rate, 4 out of 10. It's the only thing that's going to give you any semblance of a score. So that's going to be a Hammer Financial score just rounded up to 1.5. Ladies and gentlemen, join us for the post show. It's going to be really good. And don't forget, download the budgeting app. Make everything automated. Make your life a lot easier. Sign up for the annual version. I'll send you our cookbook and budgeting notebook that can't be purchased anywhere else.

1:32:44Signed by me mailed directly to you. Join us in the post show. I am going to lovingly read you for filth right now and tell a bit of the story that we could not tell. Just like hey it's my last day here but you're here for another month. I've noticed that some days you wear your ring some days you don't. You want to talk. It sounds like she was waiting to pounce the second that you were out of a marriage. She castes me f***ing another girl or cheating whatever you want to f***ing call it. Cheating? Cheating. Collusive members content. And click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

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