Loser Freak Wants To Sleep With His Students | Financial Audit

26:06So the story behind the truck is that I had two cars. I had a Kia Sportage that was a lease, and then I had a Nissan Bursa that was a purchase. And I drove the Nissan Bursa when I would come home. That way I didn't put mileage on the lease. Well, my friend moved in with me and stayed there, and then he took the Nissan Versa because I was going to move home back to Houston. And whenever he took that car, he was making the payments on it. I traded my Kia in for a Cadillac lease that I was working at the dealership at the time. Oh, you guys sold his job. It lowered my monthly payment. And then, so I was leasing that because I was only driving five miles to work.

26:42So it made sense at the time. Well, they - Boring. Okay. I want to hear more about this. I want to get into the statement and then hear the rest of this. But first, please give me where you think your financial score is, zero to 10, zero being the worst, 10 being the best. Zero. Good. If you want your Hammer financial score, take the assessment at CalebHammer.com. See where you're standing in the world of finances. It is free. You can see where you're doing well, where you need to improve. And if you don't want to be like a guest who ends up on this show, make sure you download the DollarWise Budgeting App.

27:12My preferred budgeting app. It's what I actually use in my daily life. Take the free trial. I'll sign up for an annual version if you want to save a lot of money. And when you do, I will sign and mail my budget-friendly cookbook right to your door. Learn more at DollarWise.com or click those links in the description below. Okay. Yeah. Keep going. So when that car had so much damage on it and it was a lease, I felt unsafe driving it every day. So I traded it in for that truck. For a truck? You could have got an SUV or something. Trucks are insane. So that was a service loaner truck. So it had mileage on it when I bought it.

27:46So it made it, I ended up getting like a really great deal on that. Yeah. Really great deal. You owe$60 ,724 and 55 cents making 22. You, you make 24 ,000 hours a year outside of the, what you get with the VA, uh, because your dad, which is only when you're in school and that's not going to last forever. 24 ,000 hours a year and you owe$60 ,724.55. That's a good deal? What are we talking good deal? Yeah, you're selling yourself, car salesman. So I originally financed on that truck$75 ,000. Why? What were you making at the time, you f***? So that was when it was pretty... 72-month term. Pretty good.

28:34Well, it was incentivized right then. Dude, dude, dude. Dude, the minimum monthly payment is$1 ,115. Which is less than it was on my Cadillac. What? What was it on your Cadillac? Why'd you need a Cadillac? It could be because the lease was going to get rid of all the negative equity. Dude, this is worth less than$30 ,000. Yeah. You're underwater by half, more than half. Oh. Yep. That truck sits at home, outside of the gate. What the fuck? Dude. Dude, what are we doing? Did you roll negative equity over? Yeah. How much? $24 ,000. Even that hasn't even. Yep. That doesn't count for the whole loss you have on it.

29:17With the deal I got on the truck, though. Deal. You keep saying deal. The mileage and rebates on the truck and my employee discount on the truck when I bought it, it did negate about like$10 ,000 of that negative equity. But you still got about$7 ,000 other than what you rolled over. Yeah, and that was only because it was the only truck expensive enough that I could roll the negative equity with what we had on the lot. It was only they had enough discount to cover it to keep the LTV in wet. There is nothing good here. No matter the cope, there is nothing good. You got the negative equity rolled over$25 ,000.

29:45Great. Plus an additional about$6 ,000,$7 ,000 of depreciating equity. Yeah. This is, what's the interest rate? 1.9%. Well, at least you got that, but this is still absolutely destroyed. And plus,$2 ,200 a month, half of your income goes to this car. Yes. A car you couldn't sell to save your life. It's impossible. No, I can't. Who the f*** would buy that? You wouldn't. No, this is insane. Yep. Honestly, if it is still sitting there, it might be worth selling for hopefully 30 and then beating down the other 30 as quick as you can. But not a jury income. I wouldn't know how. So the best way that I'm thinking about doing with that is just making the monthly payment that I have been until it gets to that point.

30:26Because a lot of it's going towards the principal, not the interest, since it doesn't have high interest. and then once it gets to that range, I'm not sure what you're seeing value-wise on it. It's Kelly Blue Book private party, so that's not even trade-in. Because when I looked at it... It's based on your VIN. Yeah. When I looked at it at the lot, when I was looking at trading it in for the car that I did buy, but I couldn't roll that much negative over, I was getting about like... When did you look? Three months ago, maybe. Okay, well, I mean, the car market hasn't been going great. It does drastically change every month.

30:53It does? Yeah. I was thinking it was only like$21 ,000 in the hole in the truck. Dude, I don't know. But I was just going to keep paying it down until I got it to the point where I could just sell it to the lot. And it's not driving. It's not gaining any mileage. I was debating putting it on Toro, but I figured with the cost of everything, putting it on Toro wouldn't be worth it because it's going to depreciate even faster then. Plus the insurance I'd have to hold on it would be too expensive. Dude, this is f***ed in every way possible. This is f***ed. And that truck is co-signed. By who? My dad.

31:24Why would he accept this? My dad co-signed on it because he didn't want me driving the XT5 either. when the airbags didn't deploy, it kind of was really scary. It messed up my back really bad. I agree, but this... So he was cosigned on the XT5 as well. Because when I rolled the negative, my credit wasn't strong enough by myself to lease it. What does he think of his dad? We don't talk all that much anymore, so... Why? We kind of had a huge falling out. What, the gay? No, I've been out since I was 14. Yeah, I was going to say, you're gay as... Yeah, I mean... Well, why'd you fight? They didn't come to meet my boyfriend that flew out at the time Okay We had the whole point of him coming out Because it was gay or because they just were busy or something They went, so they were gambling out in Lake Charles And then when they came back, they were like, oh, we're going to go dinner now We had just eaten They're like, but they kept pressuring me that if we're going to go out to eat Like you're going to pay for it because we're not going to pay for this meal to meet him So they were like, oh, we're going to go now and they were like, I wasn't going to pay for a meal that I wasn't going to eat at.

32:29So it didn't make any sense. So we didn't meet. And then after that, they kind of went radio silent for the rest of the weekend. He was there. And then when I dropped him off at the airport, I toured the apartment I'm in now, went home, packed all of my shit and I used my tax return to move out. I think someone just needs to make contact. How long has it been? We don't need to end an entire relationship because of a bad weekend. It was, they weren't very nice. I get it, but we can rebuild. Yeah, and we could. There's a lot of other stuff between me and my mom. That's just we're too much alike.

32:56So we... She's gay? No. Well, I don't think so. Okay. I don't like seeing people have damaged relationships with their parents when it doesn't need to be something longevity, if there wasn't like abuse or anything. It's kind of where we're both petty, and neither one of us wants to admit we're wrong. But you've got to sit and reflect sometimes and be willing to... How long has it been? Want to know a dirty little secret? And now I'm not starting an only. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck.

33:34That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money is going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get to try it for free. plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. March of last year. Ooh, no. You haven't had a point of contact? Big guy. This episode is brought to you by State Farm. Listening to this podcast?

34:11Smart move. Being financially savvy? Smart move. Another smart move? Having State Farm help you create a competitive price when you choose to bundle home and auto. Bundling, just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings, and eligibility vary by state. Come on, I think it's time. Let's just try to be the bigger person, and you probably are. Actually, for my mom's weight, she's probably more obese than I am.

34:44Well, you said you're similar. Because her height, she's like 5 '4". And she's like 180 pounds. I don't know. I don't know. I wouldn't have a forever relationship destroyed. That's very like Gen Z TikToker. Where it's like someone disagrees with 1 % about them. And then they will never talk to them again. And think they're evil. It's like, it's not a very healthy mentality. It was a f*** weekend. You were not in the wrong. I'm going to be very clear. They were. And they might not apologize. but yeah I've honestly come to terms with the fact of being on my own so it's like I don't know I don't know if I want that because well it's up to you in the end I'd rather see people try to heal relationships than go nuclear in the end maybe once I get my own life in check then maybe there's going to be room to let other people back in but with everything else going on especially with the with the f*** of it all it's like I've been kind of like not emotionally available for anybody I just don't want to be around anyone yeah but fuck it besides Steve are you Steve oh yeah really yeah but he's kind of hot he's very hot are you saying I'm not hot have you seen Charles you saw him have you seen Charles absolutely that was one of the first things I showed her when I got here yeah like give me show me yeah because he told me on the phone how hot this guy was and I was like Like, okay, and usually, you know, people are saying, like, oh, the person's really hot.

36:15He undersold it. Yeah, I'm not saying you're not. We're just in very different leagues. Like, I'm in very different leagues than him. He's like, like, that's the guy you have to be afraid of. He's extremely attractive. So I'm all for it. Take it while you get it. Houston's a bear-friendly city, I would say. Okay, well, if I ever go gay, I'm moving to Houston. You would do well. Thank you. Thank you. We'll see you at Ripcord one night. Huh? We'll see you at Ripcord one night. It's a gay bar. Oh. One of them. I don't even go to normal bars, so. Yeah. It's okay. If you ever come out, I'll invite you.

36:49Dude, I've seen this. Can I tell you? A little offshoot. I've, some people have sent me a post that someone is, I don't know if it's on Reddit or Twitter. This one guy has posted a few times that he's seen me at gay bars in Austin or gay clubs. I don't even go to normal clubs. Like, it's just, that's the last place I would be found. Sure, Jan. Not even because it's gay. It's just like, I don't do that. Stop the cow. Stop the cow. It's just so fun. People say the most interesting things about me. You are gay. So that's curious. Maybe it's you. Maybe they saw you. Today, we're zeroing in on projection.

37:31Yeah, maybe. And they're like, oh, it's Caleb. Folks don't choose to be gay any more than I choose to be straight.

37:40Yeah, he put on a lot of weight since the last episode Who? If I was you Huh? Oh, yeah So, that truck's almost paid off Well, let me rephrase That's not almost paid off It's a year and a half into it And by the end of year three I should be able to sell it As long as it doesn't devalue you a whole lot I hope so, you're talking if you make your minimums But your minimums are half your income is the issue That's the scary thing Okay, we know your inflow on a monthly basis won't win out last month What was your outflow? I'm really bad about tracking how much money I spend on myself. I'm very good at tracking my bills and making sure I know that those are paid.

38:14We had lots of credit to the disbursements, and we had your final payroll, it looks like. Yeah, so it's difficult. And a new uploan loan disbursement, but that doesn't count in terms of income for me. I know my bills are like$44 ,000, so I probably spend like five. Okay, yeah, it was$12 ,388.25. Some of it may have been having to pay for school from disbursements or something, but even still. One of those was a consolidation, which did not work for me at all. No sh**. You consolidated and then you built up your debt again, huh? Yeah. So what always happens? You cannot consolidate unless you change your behavior.

38:53You're not a credit card person. I'll get you on the Fiz card, especially since you're a student because a lot of the perks are student related. Debit card that builds credit. You can't spend what's in your checking account. So it actually works for people like you. But like, why the f**k would we consolidate? dude. So I was really worried about when I lost my job because I just did that in June. When I lost my job, I was like, well, I need something in order to like it pushed the payment out a month. Let me try and find a job, consolidate it. It lowered the payment of what the total amount was.

39:21It just increased the total amount of debt. So I was like, this makes sense. I rationalized it to myself that this was going to make sense and it was going to help me and then proceeded to not change anything. It just never works. It's never worked in the history of this show. It doesn't make sense. It doesn't make sense. Okay, so this must be the second car alone. Yes. What is this car? It's a Kia Niro. I've never heard of this in my life. It's a hybrid. It gets 54 miles a gallon. Uh-huh. And so for my drive, for example, driving here from Houston, I don't have to fill up. I'll drive all the way here and all the way home and I won't need to take a guess.

40:00What's the interest rate on this? 10.99%. Oh, for f***s sake. You got a second car and then an 11 % interest rate loan on it? Why'd you get a car that was$23 ,344.38 is what you owe on it? What the f***? Why did we get a balance like that? You can't even come close to a 40 % balance like that. So with that car, I wanted to trade my truck in, but I was too upside down in it, and I didn't have a down payment saved. Yeah, but still, this amount is way too much for you. The payment is less on the car than what I was spending in fuel on the truck to get to and from work every month. That is not the justification, though.

40:35you can still get a cheaper car. Yeah. Because your minimum payment is$555.97. Now we are talking. Now we are talking. Put the 1115.07 plus 555.97. That is$1 ,671.04. Divide that by the 22 you make. 76 % of your income goes to your minimum monthly payments in your car. And now you have a balance that you definitely also cannot afford for a new car. Not even close, but you're at 11 % interest rate on it. That is so beyond f***. That is so beyond f***. Oh, great. Oh, but winner, he met quota because he purchased this car. Yes, I did. He met his monthly quota because he purchased this car. I did.

41:22Now that's a salesman. I also bought it to DoorDash with because I can't DoorDash in the truck. But when I finance the car, the maintenance is included in the financing, so I don't have to worry about maintenance and all that's covered.

41:45Dude. I haven't even spent a thousand years in fuel since I bought that car. Sure, but how many miles have you put on it since you got it? When did you get it? I got it in August. A month ago. Uh-huh. No, July. Sorry then, July. Just over a month ago. Yes, it has 7 ,000 miles on it. Well, I don't know. Dude. Two car loans, one at 11 % interest rate, taking 76 % of your income, all so you can f***ing door dash. Oh, f***. If you sold it in today, traded it in, or whatever the f***, what would you get? Nowhere near what I owe on that. What would you get? It's too new for a KBB. Yeah, I've... Come on, what would you get, sales guy?

42:29See, I don't do the appraisal part. Dude, come on, what do you think you would get then? Come on. Probably like 22. Oh! You're$40 ,000 under cars. $40 ,000 is what people owe on an expensive car, and that's what you're under on your cars, guy. That's insane. That's insane. I haven't had a car situation like this in long, long days. It's been a long time. Long time. I felt like it was a good decision to buy the car. Do you still feel like it was a good decision to buy the car? I mean, DoorDash was the only way that I was making my bills. Buddy, this balance doesn't make sense. This is the balance.

43:10You can't afford a$32 ,000 car in any way whatsoever. You went under$10 ,000 immediately. Great. You got hybrid. That's it. That's it. Buddy, this is 76 % of your income and you say it's good? You're at 11 % interest rate and you say it's good? Well, the interest rate could be better, but my credit took off. Could be. No, your credit's too bad of thought. I feel like the rate for a second out of that wasn't that bad. But that rate, a bad rate is a bad rate is a bad rate. That is a bad rate. I'd rather you get that on a 15 ,000-hour car. Yeah, we didn't have anything low enough mileage. You! There's other dealerships in Houston, Texas.

43:44But then I have to deal with all their shit, whereas I can just do it on the own. I know, but that would be better than save$15 ,000 to$20 ,000. Yeah. Dealing with someone else's shit in paper? I would rather do that and save$20 ,000. Well, at least I don't have to worry about maintenance on it. Like, the maintenance is all included. There's going to be 20 ,000 hours of maintenance? Well, I mean, I'm already due for my first oil change on it, and that's covered in, like, tire rotations and tires and stuff. And that's going to be$20 ,000? No. Uh-huh. But at least I don't have to pay for it. Like, at least it's covered and included in the car.

44:18Yeah, thank goodness. We're doing really well. This is f***ing insane.

44:28This is insane.

44:33You're doing that while also going out to eat, and that immediately pushed you over your budget. Just that alone, your two-car payments and then going out to eat. You're over budget. Over budget. And he told me while we were in break, we had to pause because it started, like, thunderstorming, that he has lost, like, 120 pounds in a year. You know what drives me insane? Cell phone bills. A hundred bucks a month so I get dropped calls in the middle of a grocery store parking lot. No thank you. And that is why I'm excited about today's sponsor, Helium Mobile. Helium Mobile is shaking up the phone carrier industry.

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45:39Paying huge cell phone bills is officially outdated. Head to the link in the description below to download the Helium Mobile app and enter code Caleb. Let's get back to the episode. When I say game day, you probably think chips, screaming at your TV, and maybe emotionally regretting your fantasy picks. But you probably don't think Wayfair. Well, you should, because that's where I just decked out my setup for football season. Talking folding chairs that don't collapse after one use, a cooler big enough to hold all your bad decisions, and yes, even a grill. In America, half of every dollar spent on brand medicines goes to entities who don't make them.

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47:01Now's the perfect time to gear up. Whether you're tailgating outside or building the ultimate game day cave, Wayfair has your back. Wayfair is your trusted destination for all things game day, from coolers and grills to recliners and slow cookers. shop save and score today at wayfair.com that is w-a-y-f-a-i-r.com wayfair every style every home crazy how possibly with the amount of going out to eat do you do what did you spend going out to last month i have come on what do you think big guy accounting come on account this 350 it was a thousand it was over a thousand hours almost a thousand one hundred dollars going out to eat You take that, you take your two car payments, and you're well over your budget.

47:44Well over your budget. Well over your income plus DoorDash budget. Completely. It's the disbursement that keeps you there. But even that, you're barely breaking even at that point. Yeah. I'm always exhausted. Just the amount of work that I'm putting in. Good. Then meal prep twice a week and warm it up at home. So that's great when you're exhausted. That was great when I had the surplus of food to do that. but now I don't have that anymore. Okay. Tell them to go buy groceries. They, every now and then, will go grab, like, stuff. But, like, at this point, it's all gone, so anytime I do, Yeah, he's your friend, right?

48:17Yeah. Call him right now and tell him you need him to contribute to the grocery budget. He's working right now. And you can't afford it. Sometimes people answer during work. Okay.

48:30Leave a voicemail if he doesn't. Also, did you get the number? Oh. Do you know? I know you're on silent mode. Yeah I listened I put it in do not disturb mode Many don't He won't send it to me Is there someone else who will? There's a whole circle There's a whole lot of people but I know that He wouldn't give it to me either Because he doesn't want me talking to him at all Come on who would have it? I might be able to find it but let me Do you want me to call? Sure I don't want to get messy and then put the speaker up to here up to the mic if both of them are going to stay there they need to contribute an additional$300 a month of groceries

49:19I'll try to put it like on the mic hello hey I wanted to talk to you really quick we're filming right now for the financial audit show and are you busy what are you doing just at Starbucks Oh, okay. We were talking about my finance and everything when it comes to groceries and all of that. Uh-huh. And I need y 'all to contribute a little bit more when it comes to that. Whenever, because we need to... Oh, yeah, of course. Yeah. So I was hoping y 'all could do like around$300 whenever we do groceries and everything. Yeah. Yeah. So is that going to be a problem at all or no? No, it should be fine.

50:14Okay. And when is he leaving? And when are you leaving? We'll leave next week. Okay. Really? Okay. when? The last day of the month is when we move in. Okay. So, you know, I have the attention span of a goldfish, so. Well, I know. All right. But. Okay. Cool. Well, that's a win. That's a win. Yeah. Contributing groceries. Yeah. Hopefully they give you like 300 on the way out so you can restock. Yeah. Hopefully that'd be good. It seems like he was very receptive. Hopefully it wasn't just for the cameras. I don't know. You know, him obviously better than I do by far. He knows he's being filmed. We've been friends for a few years, but we weren't best friends.

51:02This was a favor that he asked out of the blue. Hadn't talked in a while. But do you think he'll actually contribute? And you think they're moving out next week? I would believe that they're moving out. They've been talking about it, but when he got fired, getting all the income documents to them has been the struggle. So I didn't know how long that was going to take or how long it was going to last that he was going to just push that out. Because it seems and then with his boyfriend friend not working. And you think they'll give$300 on their way out to restock? It would be very nice if they did.

51:30I hope they do. Well, do you think? He just said yes, but you know then. Did he save it for the camera, or is he... He might have said it for the camera, just because he doesn't want to look bad. Especially because he watches the show. Ah. So he's gonna see this. Ah. Right. Okay. Alright, we have, I think, a credit card. But, wow, this is so over. Wait, is it? No, this is cash advances. Yes. What the? He did$2 ,550 in cash advances? Yes. I've never even seen that on this show. $260 of fees. Oh, dude, why? What's happening? So I opened the net credit when I needed money to gamble. What? What the fuck does that even mean?

52:26What the fuck? 50 minutes in, what the fuck does that even mean? So whenever I would gamble and I overdid it. You're gambling what? Slots. Where? On my phone. Oh, fuck. Oh, fuck.

52:49Dude, what the fuck? So whenever I would overextend myself out of my checking account, I would take a cash advance in order to cover everything else. Slots on your phone? What does this even look like to you? Because this is insane. Again, you took out 2 ,550, but it brought it to a balance to 2 ,810. What did you use at all for slots? To recuperate the loss on slots, yeah. Slots when? When slots? June. What the f***? You spent that much on slots? Or you lost that much on slots in your phone? Buddy! No! How much slot playing even is that to get there? I don't know. I've never done it. Unfortunately, not a lot.

53:33The story behind why I even got into it was because my parents, they won$200. $5 a spin, Lindsay's saying? Yeah,$5 a spin. Sorry, go on. My parents won$200 ,000 on there and did receive that money. Actually, they probably net almost$250 ,000 in total. and uh so I was doing it to see if I couldn't net something out of it too and then I kind of fell into it where it was like no there were times that it did make up differences where I was like struggling and then yes no struggling this is more than your income on a monthly basis and you had to cash advance for it you had to cash a advance

54:16dude this is insane just to like pay for your groceries Yeah. Yeah, you got almost an 11 % fee. That's a monthly one. You paid 11%. 11%. And now it's going to sit there and accrue interest, right? So that 11 % fee is like every month. Yeah, the balance. It accrues 11 % a month? Yeah, it's a statement. A month, not a year and then broken down month by month. No, it's a. It is 11 % a month? Yeah. So there's a statement balance fee. Like, that's what that is. So the s*** is like 100 % a year Depending on how long it takes me to pay it off, yeah

55:00What the f***? So we're talking, we're basically talking like a Like 130 % a year. 130 % a year

55:14for slots? 130 % loan for a slot. Yep. I was trying to win big and it didn't work. How long have you been doing this? So when I was living with my parents is when I started. When was that? So I moved out of my parents' house in 24 so it was probably in 23 is when I started. And then June of this year, you f***ed. So it ramped hard Did it ramp hard or was that just a common thing It was kind of constant So a lot of this debt we're going through Is just you slotting it up Yeah whenever I would like Get sad or whenever I would like I would do slots To Try and feel better You got sad? But now Rodrigo or whatever the f*** his name is In your slot so you shouldn't be doing slots anymore Because you're not as sad right?

56:06Is that how this logic works? I guess kind of, yeah. I'm a little busy with that. He's got me back into exercising again, so it's like. Are you slotting less? Like, wait, like. Are you slotting less? Him slotting me or slotting less on my phone? On your phone? Yes. How much less? What was your monthly average you were losing in slots? Anywhere from$1 ,000 to$2 ,000 a month. That's your entire income. You f***ing. When I was making money at the. And now?

56:35Now, it's gone. It's not going to happen anymore. No, no, no, no, no. Leading up to now, last month, what was it? Because no, no, no. You can't just say from this point on. Last month was maybe like 500 bucks. That is money. That is substantial money when making 2 ,200. That is not a joke. 500 is substantial still. That is still literally 23 % of your income that went to slots. The hard part with my income is there's also like spiff money, which is like bonus. What is a spiff? That sounds like a slur. It's a bonus. So like if you sell this many cars in a day, like you'll get a bonus. If, you know.

57:08Yeah, but big dude, you're not even hitting your f***ing draw. Right. Is that included into paying back your draw? Your spiffs? It's taxed and then it would, they pay it out as a check. So I would get it as a check and then they tax it on my draw check. So they pay me the full amount of whatever the bonus is and then. So we really shoot for the spiffs? As often as I can, as often as they're available because they're not consistent. So how often were you hitting the SPFs then? So the first month, it was probably like$1 ,100. It's just not consistent because when the store is doing well, there's SPF money.

57:44When the store is not making as much money, there's not as much money for SPFs. So it's like dependent on how the industry is doing, really. Okay. Yeah, this is crazy. Your minimum monthly payment on this is$387.50. It does go down every month. like the monthly payment for that is like, it drops like 50 bucks. So when the balance goes lower, it goes lower. Okay. So every time I make a payment, it's like$50 less. This is insane. Yeah. Yeah. Literally two months and we've had$515 total fees. This business is crazy. They make so much money. If I had no morals, this is crazy how much they make. Yeah.

58:22I wish that I could get it. That's the only, so I don't, I guess that's the only like line of credit that I have. when it comes to pulling money like that. Oh, yeah, pulling a cash advance? Yeah. It better be because you should never do that. That's as bad as it gets. Yeah, no, I don't have any other ones besides that one. Where are we with getting the number? Because we've got 30 minutes left, and I want to close with it. For you, chat, I'm messy for you. We're messy. We're messy. We're messy, buddies, aren't we? Oh, absolutely. Should that be our team name? He won't send it to me. But you said you have another way to get it?

58:55If I asked Caleb for it, but Caleb would read me for filth asking for it. That's okay, right? No, because also he doesn't know that me and Charles are sleeping together, and we don't want him to know. Does Caleb maybe know who I am? Is there a chance? No. There's no chance. More than likely not. But there is a chance that he might eventually see it. so I'm like so that's why I don't care if I talked about it like on the show but like we like even at the bar and stuff like he doesn't see us do anything besides just be friends this is just this is one of the craziest accounts I've ever seen again literally like I like money but unfortunately morals are subjective and unfortunately I do have some that really sucks cause what a money making opportunity that is they own you They own you.

59:54They really do. What is this? This looks like a payday loan. No, that one is an Upstart loan. Upstart? Okay, what'd you get Upstart for? Which one is that? Because I have three. Oh, my. Why? What are you doing with your life? I think that one was the consolidation one that I just recently did. You got a consolidation at higher interest rates than credit cards? Hey, that makes sense. This is at a 36 % interest rate. That's lower than some of my credit cards were. What? No. Yeah. What credit cards did you have? I have like six. No, no, no. I don't see credit cards above 36. It's extreme when they're at 35.

1:00:31Yeah. I don't know what my milestone card was, but it was high. What? So. This is insane. He borrowed$4 ,312 and the finance charge attached to it at that 36 % interest rate is literally more at$5 ,002.71. He owes a total of$9 ,314.71. That is insane. That is insane. Does it say when that was paid? Yeah, that... Yeah, it took out in August, and it's done in 2030. $9 ,314.71. Minimum monthly payment,$155.02. It's going to be for... That's if I pay it. Ever. Is that if I pay it like only the minimums? That's what I would pay total? But I don't see any other way at this point is the thing. This is crazy.

1:01:28Okay, so what did you do? This was the consolidation? That was the consolidation one to kind of like float me through, like get the payments paid and paid off and then float until I found a job. This is wild. This is wild. Yeah, the craziest part about it is I had just paid off a different Upstart loan like two months before that when I was making good money at work. And then I ended up having to take another one from Upstart again to make it. Okay. I got another one. What's this for? This one's also at a 36 % interest rate. You borrowed$1 ,100, but the finance charge is only$400 for this one.

1:02:05It must be a quicker payment term. It is. Two years. So that one was when I took the job at the school, I had to go to Dallas for training. They did reimburse part of it, but not at the level at which they said they were going to reimburse it. So you don't have any savings? No. Have you ever had any savings? Not successfully. Not that I haven't touched. Because that's what the point of this all is, is when those things pop up that are opportunities. Instead of yourself with a 36 % interest rate, $1 ,439.13, monthly payment,$79. That's crazy. Well, that's good. What's the balance today? I assume you wanted to get out of the car sales, and that's why you went into this field, right?

1:02:47But now you're back in. Yeah. The story behind getting back in was that I was kind of moping after losing my job and then woke up a Saturday morning from a text from my old boss that said, come sell cars for me. And so I went back to selling cars. Good. At least you're getting the disbursement, right? Yeah. And I'm hoping I'll start doing better. Because as I'm in school, this isn't a bad thing when it comes to that. Oh, I guess it's half paid off. I'm sorry. Ah. So what's the balance? Balance. That's why we check. Probably like$750? $800? $719. $719. Minimum of the payment,$79. Okay. Yeah, that's f***ed.

1:03:27Here's another f***ed one. Not as bad interest, but it is still substantially bad interest. It's 17%. Whoa, you borrowed$6 ,564 and you had to pay back a total of$9 ,759? What the f*** was this for? That's when I moved to El Paso. You had to borrow$7 ,000 to move? I used part of it for moving, part of it for living, while I was getting adjusted to being back on a paycheck. Come on. Because I didn't have any content creation money coming in then. How quickly did that die? A year and a half. $9 ,759. Where were you streaming? Were you streaming or making games? Facebook gaming. This is the second time we've talked to a Facebook streamer.

1:04:02This week and in my life somehow. Two days in a row. What the f*** is happening? I swear when one person does something for the first time on the show, all of a sudden I get like four of them in a row. That's so weird. How long did you live in El Paso for? two months. This for two months? Buddy! Part of it, so I didn't spend all of it when I was there. I used it to move, pay for the UOL and stuff, and then deposit. Going to the other side of gays. I don't move in that quick. I actually prefer to live alone, mostly. No, lesbians move in quicker. Gays move into their holes quicker. That's how it goes.

1:04:38It was only a month before, you know. They should have a grinder for the straight stuff. That's all I'm saying. Honestly, I thought, isn't that what's in, like, Bumble is or Tinder? Yeah, you got to swipe. Grindr's like a buffet. Oh, it really is, yeah. But it's funny. There's a lot of straight guys on Grindr. Okay, I want to... Yeah, sure. Yeah, sure. But that, I also used part of that to move back to... I moved to Victoria, Texas after that. Is that Houston? It's two and a half hours away from Houston. It's kind of middle ground. It's called the Crossroads. So it's two and a half hours from Austin, San Antonio, and Houston.

1:05:08It's like right in the middle. I thought that was College Station. Mm-mm. Not for me. If you want to land a high-paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high-paying career path.

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1:06:12Click the link below to sign up for one of their free courses today. Okay,$2 ,455.23. So what are minimums you payments are up to right now? You're already over budget. You're over budget. We're done. Like, we're done already. Like, this is insane. How much school do you have left? So I'll finish my accounting associates this semester. Associates? Yeah. Are you going bachelor? I was going to, yeah. When are you going to be done with that? It would be two years.

1:06:44All right, what is Milestone? Milestone's a credit card. What are you doing with this? We got fees. We got purchases. Interest. Oh, for sake. What are we doing? You're at the limit. So that credit card I originally had opened, and I was only going to use it for fuel and stuff and increase my credit limits when I was trying to get everything paid down. And then... 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. Mmm. Or this tea time you.

1:07:22Or even this tea time you. Said you hear about Dave. Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. When I went to Tennessee in June, right before I lost my job. Why? Just for fun? I met with— You still had bad debt during that. I paid for the trip itself and everything, not on a credit card, not on any credit. Why the fuck are you paying for a trip when you have those other debts that we already looked at that you got before you lost your job anyway? This was kind of like a once in a blue moon kind of a trip.

1:07:57It wasn't a trip. Tennessee, that doesn't exist at any time else. Well, so the reason we went to Tennessee was because it was a main meetup for like all of us that used to play together. And like we're all in a discord together. You guys don't make money. I don't care. Yeah. You'll meet up again. I mean, maybe, but this was a chance that I had and I was at a good job. What did it cost? So I paid, I think,$300 was my share of the cabin we stayed in Gatlinburg. And then... Cabin? Yeah. We stayed in like the nice cabins up in the mountains in Gatlinburg, Tennessee. Were they gay? Two of us were. Three of us were.

1:08:34No, I didn't sleep with any of them when I was there. What? No. You're such a bad gay. Those are like my friends. One of them is literally we call him... Which probably shouldn't have said that. But gay uncles love touching their... Stop. One of them is like family. A lot of these people are my friends that kind of kept me going. So it was like a nice chance to go and I didn't want to sleep with any of them. Why is there$15.07 of fees? Buddy, why are we spending on a credit card right now that we cannot pay off while we have bad debt while interest is occurring? I don't even know what I put on there.

1:09:11I'll tell you. You stopped at the gas station and got some bullshit. It wasn't gas. What are you getting? Because I do see gas right after that, what you go in and get. So when I went and got gas, I was going to put it on my debit card, but... No, no, no, no. I see gas. At the same time, you also went in and got something. What did you get? That's when I tripped. That's when I was on my way. So it was a snack or something on the road when I was driving to Tennessee. This just happened in June? Yeah, the meetup was in June. Listen, listen, this is, this is, I, we gotta stop this out there, ladies and gentlemen.

1:09:36People go in and they stop and they get their one-off snacks. They get their one-off energy drinks. This happens every show. This is, that's specifically why I work with the Gamersubs. Dude, no more$4 energy drink bullshit. 10%, 10 % off, link in the description below for the best tasting energy drinks I've ever personally had. And it's 25 cents a serving. It is just like making coffee at home instead of going to Starbucks. It's stupid. Stupid. And there's free samples. Use my code Caleb. Free samples. Get your gamer subs. Figure out what flavor you like. That is 25 cents a serving. No more stopping at the gas station getting some bullshit.

1:10:12I'm done with this. I'm so done with everyone doing this because you did with Bucky's as well. So stupid. McDonald's. Chinese restaurant. Swing Baytown Plaza. McDonald's. Burgers. Come on. We're losing weight. What are we doing? What's the fees? Well, that was a splurge trip when it came to like food. Oh, also Raising Canes and you went in and got some bulls**t. Again, Gamer Supps. I guarantee you it's f***ing tastes better. I promise. It's literally, actually, it's f***ing incredible. I'm like addicted. But it's bad. It's bad. It's bad. Go in and get all this bulls**t. Do you have a sugar-free option though?

1:10:45Because I don't do sugar, so. It's very low-cal. It's a super low-cal drink. Okay. No, dude. And the Monster's like 300. It's f***ing great. Yeah, total fees this year so far,$41.27. This is crazy. Mm-hmm. This is insane. What is the fee? Oh, it's a monthly protection fee and then a monthly fee. This is crazy. They're making so much off of you. They're making so much off of you. Yeah, this is at a 36 % interest rate. Oh, f***ing death. Synchrony home. For what? When I moved to El Paso. It's so long ago now. Yeah. The main reason with that card it's super weird is that I didn't use it enough, and so they closed it.

1:11:27Um, there wasn't anywhere that I had that accepted Synchrony Home. Good. You're not a credit card person. But that was, I don't remember exactly how the breakdown of it was because I took out a loan and the credit card and I got like my couch, my love seat and my washer and dryer and computer. All for two months. Well, I took everything with me to the next apartment. That's expensive to move from El Paso with a bunch of furniture. We packed it all in a big U-Haul. Interest. You've had, you've had a late fee this year. Yeah, you've had a late fee this year. That's insane. Interest accruing 30%.

1:11:59Balance$896.67 with a minimum payment of$32. Do you still have this furniture? No. Yet you are paying interest and late fees on it. That's insane. Do you not get this computer? Yeah. One of this was the computer? So I had a con. I bought it through Cons Home Plus before they went out of business, or at least the one that I had went out of business. And I had a washer, dryer, computer, couch, and loveseat that I bought when I moved. I needed the computer for work, and I bought it when I got there because there was no desk space for me. So I bought a computer so I could do that, and then it was also good for me to do my homework on.

1:12:34So I didn't have a – my tower was moved, but, like, I don't know. It was easier with a computer. This is insane. Best Buy, speaking of computers. So what's up with this? I took that card out originally when I started streaming is what I bought my first computer on. What do you think dried up? Why did you think it dried up? Like it doesn't just go away. It went back to work. There's always reasons why. Well, for me it was like. Yeah, but you. Because streamers still made it. Why you? So I didn't have like multifaceted content then. I was purely on Facebook gaming. Gamers still made it though. Well, Facebook gaming.

1:13:10Yeah. I guess I don't know Facebook. It didn't transfer very well when I tried switching to Twitch. Because I did try to switch to Twitch. And not a lot of the people followed from Twitch. And it was really hard to build Twitch without having a following. You can't. Yeah. So it was like very difficult. my actually my twitch now that i still sometimes go on just for fun to see the people that i used to see has more followers than my original one did nine hundred seven dollars eighty eight cents still owed on here for something you're not even making money off of anymore that's actually newer stuff on that credit card then what is it um it was my keyboard broke so i bought a new keyboard this is nine hundred seven dollars and then i also did buy an alexa on that an alexa what?

1:13:50An Alexa Supreme Max? Like what the f***? This is$907. So my Best Buy Supreme stuff, like for me to take all of my tech to Best Buy no matter where I bought it from is on that card. And then like I bought the Alexa Home and like the keyboard and that kind of stuff. It's just, it piled up on there. $23.02 of interest accrued, five years of minimum payments. To pay this off is f***ing crazy. You're going to pay a total of almost$2 ,000 and then $33 is your minimum. F***ing insane. 107 this year so far. 30 % interest rate. City Advance, Planum Select. Is this the one that you said you thought was over the interest rate of the other one?

1:14:32No, that was a milestone card. Okay, well, we'll see. That one. This is a crazy balance. Basically at the max. Why? Purchasing 115, why? So my medical bills were on that one. Partially for my surgery in May. What? Why didn't you just get a payment plan from the hospital? Why'd you put it on your card? It's a payment plan from the hospital on the card. On the card? Yeah. When I filed on there, it was supposed to be like$100 that ended up being$85 a month. It goes on that card. That's part of it. Wait, you pay your payment on this card? Yes. Oh, your payment plan's not actually on this card. It's not like an actual loan payment plan.

1:15:08It's just through the hospital itself. Yes. And you could win on that card. But you put it on an interest accruing card. Yes. Dude, you are at$2 ,072.73. because you can pay it from your debit card because the payment plan from the hospital is not necessarily the worst thing, but you're just going crazy putting it on an insane card. $53.98 of interest recruit last month. This will take nine years to pay off the way you're going, but that's if you don't put anything on here. And you always do. You put your hospital, your medical bill on here. So this will never be paid off. Do you want to know why I opened it?

1:15:41Why'd you open it? Sure. So I went to South Dakota in May and it was... I guess that's where bears are found, right? You like that? Actually, a lot of them are twinks out there. Like, they just all have heavy coats. Bears. When it comes to the city card, I opened it because it gave me a credit for my flight when I flew to South Dakota. And then it just kind of spiraled from there. Because I used to be, when I was heavier and it was that flight that taught me that I don't need to book first class anymore, but I was so heavy. But Stacy? In Stacy? Like I see you're Methodist. Okay, yeah, that's the medical bill.

1:16:20What's this In Stacy Incorporated? $30. I don't know. What? Come on. You're$85 medical? Sure, but then there's an extra$30 from Stacy Incorporated. You don't even know what that is? I don't. I could have used it. I had a late fee this year so far. Yeah. So you put a payment plan on this card, and then you don't even pay this card on time. Dude. Yeah, that's a 30 % interest. Those two late fees happened when a paycheck was, it fell weird. And so I couldn't get it paid on the day. And it was like a day or two late. So I made it late. Capital One. What's going on with this? Which Capital One card?

1:17:00Oh, this Capital One. You owe$1 ,709.97. So that's my Platinum card. That one, I opened that one when I was looking at Victoria. And it's maxed out again. Sorry, go ahead. So, yeah, with that one, I used that one as kind of like my baseball card. That's what I would buy video games with. That's what I would buy. Dude. What now? Because you're still spending. Yeah, that one I feel like was only my chip on my debit card was messed up for a while. And so I got a new debit card. But it had to be mailed to me. So I was using the credit card. 12 years, minimum payments only without any purchasing. And you always purchase.

1:17:44This is crazy. This is crazy. And no, you stopped in the gas station and got some bullshit. Yeah, because my chip didn't work on my debit card. Gamer stops. More affordable. They have a hydration drink version as well, by the way, if you don't want the caffeine version. I usually do the hydration drink version. Yeah, late fee this year so far, almost$300 of interest. We're at a 30 % interest rate. Yeah. Insane.

1:18:11Okay, Quicksilver 1 What's going on with this? This just keeps going That one had my anesthesia on it from the surgery Which is what Because the anesthesia wasn't fully covered by my insurance But it was through the hospital So I have a$51 monthly $51 monthly payment On the anesthesia that I'm paying But I moved that to my debit card But you're paying via this card But again, you're not paying. This isn't that debt. You are paying that debt with this credit card. So that doesn't explain the overall balance. $25 of interest,$29,$21 of spending, eight years to pay off no spending, but of course you are, and that is paying off another debt.

1:18:53And yes, actually, no. No, I don't have any of the anesthesia. I have a vending machine in Planet Fitness. My Planet Fitness didn't go on that card too, yeah. But I canceled that. I don't see anesthesia. It should be on that one. Or maybe it was going to be on that one. I moved it to my debit card because the payments on those are coming out soon. And then vending machine. Again. At work, yeah. Stupid. $3 drink or 25 cents per serving? What are we doing, guys? This is what we have to do in budgeting. Come on. Make coffee at home. Make your energy drinks at home. Make your hydration drinks at home.

1:19:28What are we doing? Meal prep, sandwiches. Come on. We've had a late fee this year so far. No one surprised. $150 of interest. Almost 32 % interest rate. Discover it. Oh, my goodness. This balance is insane. That was my first ever credit card that I opened in college. Great. It's$2 ,693.92. Minimum monthly payment,$84. Yeah. So when I was originally at the car lot, before I moved away from the car lot, I tried doing a debt relief program. Oh, great. So twice. But I canceled it. when I did that, it broke the terms of service with the Discover card, so it closed. $84 minimum fee payment, 11 years to pay off.

1:20:1211 years, minimum fee payments only, which is what we're doing. $63.05 of interest accrued. Late fee this year so far, $500 of interest, 28 % interest rate. Yep, all those late fees are from the same one time now. Oh, man. And we keep going. Student loans. Yes. Why didn't you use the same thing you're using now? Because I was living in South Dakota at the time. So I couldn't do that. What's your total? Okay. Well, these are deferred right now, so we don't have to worry about it. Well, I'm in school. But some might be accruing interest still. Yeah. $30 ,000. $30 ,886.36. So what did you do before?

1:20:53School-wise? Can you bless me with something? Oh, gosh. Money-wise? Yeah. That's when I was in school for a music performance. Oh, right. And then I was living on my own at the time and then dropped. Great. So you already have$30 ,000 student loans for music performance. Yeah. That's about what I got. So that one I'm trying to, while I'm in school, they're deferred and it's helping me stay. Yeah, but we're going to have to pay it back. And that's like a minimum of$350 when you get it. There's the anesthesia. This is the anesthesia. Yeah. Okay, of which you owe a total of what? It's at the top there,$3.05.

1:21:34That's the total? Yeah. That's not the minimum? That's the total. Okay, that's not bad. It's not a lot. Do you know the minimum or are you just charting it? Okay, so anesthesia,$305.95, interest-free, I assume. Yes. $51 minimum fee payment. And so that'll be almost done. That only takes like six months to pay off. Yeah, it's not the worst. and then here's the hospital bill. That one's$85 a month. Also not the worst. I just don't like that. Now we're putting it on a credit card. Both have been moved. So I took all of my credit cards out of my wallet. I don't carry them anymore. I don't have them attached to anything.

1:22:12I canceled everything on it. Nothing charges onto a credit card and moved both of those payments to my debit card. $709.64, minimum payment 85. Okay, probably interest-free as well, right? And that's all your debts, correct? Yes. Good. Checking account. Let's see. Started with 1 ,691. Oh, my goodness. Dude, I'm seeing a lot of bullshit in here. Yeah, there's a lot of bullshit. This is insane. You're putting minimum payments on credit cards, yet you're spending this much on bullshit. That's unacceptable. That is disgusting. That is horrendous and unacceptable. And we ended with 1 ,500. Okay. Wait.

1:22:56Is there extra loan in here? What is this 14 % thing? Quick loan? Oh, yeah. It's like a... It's an extra loan? Yeah, it's$1 ,000. Why? What is it? What is it? So it's kind of like the net credit. It's a line of credit. It's a line that I can pull from. Oh, it's$1 ,000. You maxed it out by the end of the month.

1:23:28at a 14 % interest rate, minimum payment of what? 50? Yeah. For fuck's sake. All right. And in here, well, we put our debt, minimum payments on credit cards. We went in Pokemon. We spent 11 hours on Pokemon. VGW,$99? We don't even know. I think that was... Kindle, 13, McDonald's, Lucky Land, Starbucks, Buffalo Wild Wings, more Pokemans, Lucky Land Amstar Starbucks Oh, vending machine, great Again, 25 cents a serving Stop f***ing around It's like meal prepping, except easier Lucky Land That was the slots That was all of the slots No VGW, Netflix Going in and getting some bulls*** 25 cents a serving Chick-fil-A going in and getting some bullshit.

1:24:25Chick-fil-A, Vending Machine, Sonic, Starbucks, Sonic going in and getting some bullshit. Steam Games,$82. Pokemans, Wendy's going in and getting some bullshit. Wendy's, Uncanny.com Uncanny.com What the fuck is that? That was a trading card shop. Stop. It's a new form of gambling. Yeah, well, that was something that Mark got me into. so I'm not into it anymore. VGW is an online casino. That's what that is, by the way. Oh, so it's probably just the... It's more slots. It's the same slot, but it sometimes comes at a different charge. I only ever use the one. Going in and getting some bullshit. Starbucks, Hay Day Mountain.

1:25:07It's an in-game bullshit on an app. Lucky Day, Baskin, Coney Island, Amazon, Sonic, Heroes Collectible, Starbucks. Yeah. uncanny there it is cash app oh looks like you got some bulls mcdonald's burger king freddy's frozen custard amazon taco bell mcdonald's starbucks lucky land lucky land vending machine panda express this is insane this is insane in-app purchase amazon prime amazon prime mobbo's food gambling lucky land mcdonald's marshall's going and getting some bullsh**. McDonald's, Wendy's, Amazon, in-app purchase. Oh. Going and getting some bullsh**. There's gambling right there. Taco. By the way, no.

1:25:58June was... No. Yeah, last month. This was just a couple weeks ago, this gambling. Taco Bell, McDonald's, Cracker Barrel, gambling another $99. Gambling $99. Gambling$99. Gambling$99. Gambling$99. It was not$500. Your release is at$800 by now. That was... That was in July, right? Yes. Last month. This is insane. Oh, another$99.99. Okay, we're easily over$1 ,000. You said$500 when I said last month. August, yeah. You said$500. Come on. Oh, yeah. Yeah. That's okay. This was. So going from like$1 ,200 to$500? Yeah. Still not great. Dairy Queen, Chick-fil-A, Sonic. Gambling, gambling, gambling, gambling.

1:26:33Every time,$100. We're approaching about$2 ,000 now. McDonald's, Raising Cane's, Taco Bell. Gambling, gambling, gambling. Popeyes, Nintendo, Sonic, Spotify. Gambling. Gambling, gambling, gambling. Chicken Express. I'd join a group, buddy. I'd join a group. Amstar, Vending Machine. Donuts, McDonald's. This is crazy. McDonald's, Burger King, Panda Express. Gambling, Sonic, Pokemon. Going in and getting some bullshit. Vending Machine, Vending Machine, Vending Machine. This is insane. We've also had fees on the cash advance bullshit this year so far. I don't know if these savings to save my dick. The thing is, we know you're dramatically over budget already.

1:27:16so this is going to be sad. So there was something that I was considering but obviously not until I could kind of figure everything out when it comes to sticking to it. Bankruptcy? There's a debt relief program that could lower take all the credit cards and loans into one and it drops the payments from like$1 ,100 to like$357. And it's something I was open to consider. Just the credit cards though. Remember your car's alone. The credit cards and the loans. The car loans too? Not the car loans. Well the car loans alone are almost 80 % of your income So I still don't think we even like break even.

1:27:50Because then you got rent and you got, this is going to be interesting.

1:27:58You're lucky the student loans are deferred right now because you're, oh.

1:28:07Also, I don't want you to do a consolidation again. Didn't you just do it a couple months ago? Like, what are we doing? The loan didn't pay out. Like, this would be a lot more. It would cover a lot more of it. Let's not even think about that yet. Let's focus on changing behavior. Because here's the thing. Your minimum fee payments,$3 ,002.21. That's what your student loans are deferred to. That is f***ing crazy. That is f***ing crazy. What's your rent? $1 ,425 to$1 ,450. And we're over, including disbursed months. There it is. That was it. And now we're over. We're over by$400. just like that, including DoorDash, net, including pay, including the payouts that sound like a slur, and including the disbursement while you're in school.

1:28:55You're already over by 400. But let's continue. Internet, water, gas, electric, utilities, all combined. So water and stuff is in the rent. The electric bill is normally around like 80, so about 130 bucks for electricity. Phone bill? $30. That's not bad. Gas, vroom, vroom, drive, drive. Maybe like$150 at most. Car assurances. $386. It's another reason to just kind of sell it. Just sell it. Necessary food. We could do$300. Use the meal plan that you get in the budgeting class and use the cookbook. Just warm up your food meal plan a couple times a week. and again, no more vending machines.

1:29:45TP fund,$100. Anything else you need to survive? Medical healthcare, co-pays on a monthly basis? So co-pays is once every three months. It's$30. I'll put 10 bucks and then gym, how much? So I don't go to the gym anymore. We go running in the park. So it's like$2 every time we go to park. 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.

1:30:24We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. And it's like$10. Oh, really? Yeah, we go... $20 a month? Yeah. So$30 for medical health care. subscriptions. I try to do about 30, I guess. Do you have any pets? No. Thank goodness. Subscriptions are less than that, actually, because it's just Netflix, Amazon. I'll call it 20. It's just Netflix and Amazon and Spotify. That's it. And Nintendo. That's it. They're all student-based, so they're all pretty cheap. You have to probably let your credit cards go to collections for this thing to work, right?

1:31:03Yes. So they say that I should stop making the payments and just pay them. So it would be$357 a month that I pay them. Yeah,$5 ,542 to survive right now. That's not even close. That's not even close. This is impossible. This is impossible. Except it's not. You have two options. There's that. Well, yes, I would just stop paying the debts now. Okay. Honestly, even including the Silverado. Well, the hard part with the Silverado is just, it's not just my credit. I signed on it. Trust me, I thought about letting it go, but I can't do that. Even though we don't talk, I still won't do it. Okay, let's get a job closer to you and get rid of the other car and then just drive the Silverado to the closer work.

1:31:54Yeah. Because we can't have these two car payments. That doesn't work. Just let it go. Not even sell it. Just let it go. And then after you change behavior in three months, either do this thing, but honestly even more in order to get rid of the, essentially you're going to do a voluntary repo on the Kia once you get a closer job. And then we're just doing bankruptcy. We're doing bankruptcy. Use it now. Won't be able to for the next seven to 10 years. And it's going to f*** you for a while credit wise. But you need a fresh start. And it's the time. And even still, you're going to be f***ing that Silverado release.

1:32:21That'll be our only debt, not including student loans. But it's time. But you need to change your behavior for at minimum two months before you do that. And you can stop paying on that debt except for the cars for now. So voluntary repo, once you get a closer job on the Kia, that's it, man. That's it. Because there's no way out of this by plowing through. Your income jump would just be substantial in order to even make any kind of progress. It would have to be at least like$3 ,000 extra. And that's crazy. You would have to just be the best car salesman in the world all of a sudden. And in your job, you're not getting out of college for a better job for a couple years still.

1:33:05So that's what I would do. Let's get his hammer financial score. But I will say, apparently, there's something incredibly insane we got to talk about in the post show. All right. Well, I'm excited. So let's get his hammer financial score. Spending a budget overspends. You're a 10. Debt? Dude, there's no way. This is not a just, it's, there's no IRS or collections, but it's as bad as it gets. One out of 10, essentially. Without that emergency fund, there's nothing zero out of 10 retirement. There's nothing zero out of 10 real estate. There's nothing zero out of 10. Hammer financial score rounded up out of generosity, 0.5 out of 10.

1:33:44Hit that join button. Join Hammer Elite for an extra 20 minutes of this and every single episode of the post show and three premium shows posted every single day, Monday through Friday. We'll see you there. This is something we wanted to say for Behind the Paywall. Your friend's boyfriend is attracted to you, who's kind of moved in and milks you. Kind of, yeah. What the f***? But then there's also, like, drunk messages I've gotten from him since that were like, you're a better friend than, you know, he deserves. I think the new addiction is the new boy toy. Your life is so messy. What the f***?

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