Military Wife Is Choosing Eating Out Over Her Future

0:28Americans told Washington what they want. The holidays mean more travel, more shopping, more time online, and more personal info in more places that could expose you more to identity theft. But LifeLock monitors millions of data points per second. If your identity is stolen, our U.S.-based restoration specialists will fix it, guaranteed, or your money back. Don't face drained accounts, fraudulent loans, or financial losses alone. Get more holiday fun and less holiday worry with LifeLock. Save up to 40 % your first year. Visit LifeLock.com slash podcast. Terms apply. My name is Roy. I am based out of Austin, Texas.

1:04I'm 22 and this is Financial Audit. All right, you're pretty young. We haven't had someone that young in a second. So what do you do for a living in Austin, Texas? I am a phlebotomist. I work on like a bus, usually collecting blood donations. No, you're good. Oh, really? So you're just going around collecting in the bloods yeah pretty much wow okay i would pass out in a heartbeat people all day and i would be fainting uh okay very cool what are you what are you making i actually we have some of the so this must be hourly because i have two pay stubs yeah it is hourly so i sent you one pay stub so i get paid twice a month um but they give us i think like three or four times a year i get um a three-week paycheck so that's why one of those is like way bigger than the Yeah, I don't know.

1:57Oh, that was one of the rare three-week paychecks? Yeah. Oh, gotcha. Okay, so I see you make$21.32 an hour? Yes, and I did just recently get a promotion, so I got a little bit of a pay increase. To what? I brought it with me. All right. Congratulations on that. Thank you. This better promote me. okay now I get paid $22.82 an hour and I'm going to be getting paid more because I'm going to do more things but that's what it's going to be in like four days well you have good overtime anyway because it increases it by$12 it looks like so that's pretty nice but of course in this statement we only had seven hours of overtime but you did get 40 hours of regular pay two weeks okay very good and then your gross pay here was$1 ,950 $1 ,571 being net after withholdings and contributions for 1K, all that good stuff.

3:00So is that more average than that big one then, right? Yeah, pretty much. I only get the big one like three or four times a year. Okay, and with your pay raise, it's probably going to be more like $1 ,750 hitting your account on a monthly basis, I'm thinking. Maybe so, yeah, I guess so. $1 ,750, but oh, not on a monthly basis, on a biweekly basis. Yeah. So, of course, that would be... You really think it's 1 ,700? Well, you think it's going to be higher or lower? Sounds like a lot to me. Well, you're at 1 ,571. Well, okay. Well, let's just do some quick math. What did you say your new rate's going to be?

3:362 ,280, I think is what it was. And you're getting pretty much a guaranteed 40 plus a little bit of overtime. Always. I think it'll be like 1 ,650. Okay. But of course, with overtime, it could be higher. It could be less. 1, 650 times that by 2. So pretty much$3 ,330 hitting your account on a monthly basis is that net income. What's your percentage to 401k contribution? It's 4%. Okay. And what's it matched to? I think all of it. Pretty sure. Okay. Because the employer, you actually, with what you contributed is less than what you're - Oh, it is? Oh, I'm not sure. I'm not kidding. So, like, it looks like they're matching almost more than 100%.

4:23Oh, really? Oh, oh. But it might be, like, certain percentages up to a certain amount. So, you know, I don't know. But essentially you put in 58 bucks. They put in 78 bucks. Oh, wow. Okay. And then that other paycheck was a little more. So, okay, cool. Well, after that raise, we're getting$3 ,300 net on a monthly basis. So let's figure out your financial situation. Like, I want to know what we're getting into here, you know. and give the audience some background. What's up? What's going on? Well, right now, I guess in terms of what I pay for, like I'm a renter. I do roommate with, well, technically with my husband and my brother, but my husband is away right now because he just joined the Navy.

5:09I want to take a brief moment to thank today's sponsor, SoFi. So as we know, with so many people on the show, people are just burdened down by high-interest private student loans. And because of that, they can't even think of their future. What does it even take to pay those off with the insane interest rates? Am I ever going to be able to get a new car? Am I ever going to be able to get a new house? What does my future look like? But the good news is there is a potential solution that can help people save thousands and thousands of dollars. And it's super easy to see if their rates are competitive with what you have today.

5:43And that is thanks to SoFi. SoFi is a mobile first personal finance company that helps you bank, borrow, and invest all in one app. They understand the impact of student loans and what they have on your personal life and your future. They offer a range of financial products and services, including personal loans, mortgages, and investing opportunities. And if you're concerned about some uncertain things in your life, their unemployment protection is applicable to student loans in good standing, providing you with additional peace of mind. So refinancing your loans to a lower rate, as we've seen with many people on the show, can help you take control of your personal finances and lead you towards financial freedom.

6:23And you can do that today by going to SoFi.com forward slash Caleb. There you can explore your options and that link is also in the description below. Find out if the rates are competitive for you. Oh, geez. Okay. But he still pays a third of the rent. So that's cool. So he got deployed for the first time? Well, he's still in school right now. and then he's going to be stationed when he graduates in August. So you're going to do like the three-year stint or full career? Yeah, he's going to be in. Well, he signed up for four years and that's it. I'm not going to let that man do any more than that because I'm tired of being by myself.

6:58But he's... And you're not going to go join? So, yeah, that's the thing is, so he got orders to go to San Diego and so... Oh, no, the terrible, horrible city of San Diego. Diego. Yeah. That nobody likes whatsoever. Yeah. So, but I think I'm just going to go with him anyways, just because I want to be able to see him and he's going to be on a ship. So that's like my best opportunity to be able to see him as much as possible. Oh no. 75 degrees and sunny with no humidity all year. Oh no. Beaches and palm trees. Well, it's$6 a gallon over there. Yeah, but then you get to live in, like, perfect climate.

7:41So, also, just don't drive. Yeah, you're right. You know what? I'll just. Live in a walkable area. Yeah, I'll just be homeless, you know. I don't have to pay rent. I can beg. Okay, either way. So, okay, continue. What's your financial situation? Oh, yes, right. Okay, so we want to buy a house whenever he's done with the military. It's kind of like the goal right now. I mean, I'm not going to dig myself into a hole to do it. but with our plan right now it's he gets out we buy a house and then we have kids um and then i just need to pay off my car and that's really it and i don't really have any debt or anything other than the car right yeah other than the car so we have the car you you've recently put a good amount of money towards it which is great but it's still at twelve thousand one hundred eighty dollars by the way give yourself a score zero out of ten where you at currently do you think like 10 being amazing zero being maybe like a six or a five five or a six like middle of the road five and a half out of ten okay let's see how that stacks up at the end okay so car 12 180 75 cents very good what's the interest rate on this it is 5.6 i think yeah that's in that range with cars like yeah i mean certainly not crazy but with depreciation and everything when it just comes down to basic Mac, we'll still want to pay it off kind of early.

9:11And your minimum monthly payment is what? It's like$280, I believe. Well, okay, actually, it might be more. I can't remember. Well, what's the term length on that thing? It was like the longest one. Is that 66 months or something? That's not the longest one, but still. But it's still long. I like to follow the money guys rule the money guys rule being that you're putting 10 % down it's 3 years long and it's no more than 8 % of your total income before taxes so pretty much like after taxes and stuff like that what I like to do I kind of adjust it to more like 12 % post tax income which doesn't mathematically necessarily work out but in terms of net income do we really want more than 12 % going towards it I don't think so so So we're definitely three years, but you're making, you know, why are you?

10:05So you started making more payments to it. Why? Well, okay. So this is my first time like buying a car and like taking out a loan for it. So I didn't exactly know. Wait, when'd you do it? Like I think in May or maybe a little before that. Yeah. Pretty recent. I just got it. But yeah, it was my first time doing that. so um i i guess i i just tried to do it the best way that i could now and i had like eight thousand dollars i was like okay like this is my down payment and then they like never asked me for a down payment so i was like okay well i guess i'll just pay it on the account and like they gave me the option to put a down payment at the dealership but i could only put two thousand down i was like i don't know why because they want to suck that interest out of you so i said no and i I just put it in my what's the car it's a Corolla 2016 um but it had like 74 ,000 miles on it so yeah it's too expensive for that car I paid too much money for it for sure why why'd you do that um because well I was trying to talk the guy down I really probably should have said no but um yeah I was I wasn't sure if I could find a better deal but I was trying to talk the guy down and I, well, he, I heard that you shouldn't like tell them like exactly like how you're planning to pay for it until the very end.

11:25So they don't swindle you out of your money. And then I, he was like, okay, so like, you know, how are you going to pay for it? And I was like, well, you know, I was thinking about financing through the bank unless you can offer me a better interest rate. And he was, he was like, okay, like what'd you, well, what was the, you know, like interest rate that you got from your bank. And then he just, I just showed him like the paper that shows the approved loan amount. And he was like, okay, well, you already have this, so I'm not going to take any money off of what the car's worth. And I was like, oh.

11:53And all the oil changes were done on time on it, and I don't plan on buying another car unless I really have to. I'd prefer to just keep this one forever. So it's like. Well, it won't be forever. But I get what you're saying. Yes. Okay, cool. Now, I see you have a credit card, but you pay it off every month, it looks like. Yes. Cool. So you're a credit card person. That's lovely. that's rare but uh you know nothing what's common interest common interest oh that was a karaoke bar you spent 183 bucks there it was my it was for my birthday my husband venmoed me for it so i just put it on my card and then he paid me back yeah and then some holy roast and takiras la papaya Yeah.

12:39And. Palapa. Palapa. Frivolous spending. And sea rain. Yeah. So nothing really important on here that needed to happen. But you are paying it off. Yep. Now you're checking the count. With available balance, 746, which I'm happy with. 747, sorry. In here. Okay. These cheaper 7-Eleven trips, what are you doing? Are you filling up just a little bit of gas? Or are you going in and getting shit? No, I'm getting caffeine. And snacks. What caffeine? $12.30. Because. No, what? oh wait which one what are you spending 12 30 cents in caffeine caffeine and snacks yes yeah because i'm drinking well i i need to have like minimum 200 milligrams of caffeine to start off with so i usually it's like those monster coffees with extra caffeine in it or um the celsius ones are pretty good i like those okay 7-eleven but i should not be doing that so we're getting caffeine We're getting Fritos.

13:39We're Chick-fil-A, caffeine, restart, CBD, and some brewing thing, and Andy's frozen custard, and some caffeine, double apple smoke shop. Again, let's not have unhealthy habits that are also expensive habits. That's almost$100. What are you smoking? Oh, wheat. Yeah, for sure. Okay, in what kind of form? Well, I mean, sometimes I'll vape it, and sometimes I'll smoke it in the bong and just get it from my dealer. But I threw away my bong this morning. It's an ongoing addiction that I'm trying to get rid of. Oh, really? Okay, well, not only the addiction thing and the financial thing, but really out of all places in our body, do we really want different kind of chemicals going into our lungs?

14:18No. Our lungs of all places? Like, if we want anything to exist in us, it's like our brain, lungs, and heart, and we're just putting, we don't know what, you know, vapes. We don't know the long-term consequences of that vapor, but either way. And then McDonald's and Palapa again And then you pay$8 ,000 towards the car That's fantastic So that was the down payment you saved up But then you just put it This episode is brought to you by NBA on Prime This Tuesday at 8.30 Eastern It's the Emirates NBA Cup Championship Game on Prime This year's quest for the Cup has been building to this The Championship Game Live from Las Vegas Not a Prime member?

14:57Sign up for a 30-day free trial to get started today The Emirates NBA Cup Championship Game This Tuesday at 8.30 Eastern. Only on Prime. Restrictions apply. See Amazon.com slash Amazon Prime for details. Yeah. Ramen to Tzuya. Mid-Ramen in Austin. Okay. And some more CBD and caffeine and KFC and Starbucks. And TJ Maxx. ATM would draw of 80 bucks. Who knows where that went. Netflix, Nomad Bar, Austin, Whataburger, and some caffeine. And Popeyes and Popeyes. And you transferred in$2 ,245 from savings. why are we doing that okay so um the reason why is because my dad just inherited because my grandma died so he inherited a trust and he you want to see somebody with some crazy financial plans you talk to that man because he does not have a bank account well i don't think he does anyway and he doesn't have an id so he can't open a bank account and so he had no way to get the money and i was talking to my aunt she's trying to figure out how to get this money to him and i was like well just send it to me like all i was thinking i would open up another savings account and put it in there for him so that he can just ask me when he needs it so i emptied my savings account so that she could send me all that money i gotta keep track of it you know what i mean be like okay this is my dad's money and this is my money so it's it's not like a permanent thing for it to be in my savings account right now but that's why i moved money for my savings and if you want to keep track of things keep track of your to-do list and at the top of that to-do list is hitting that subscribe button because we're trying to get the 750 ,000 subscribers.

16:30Thank you to everyone who has subscribed so far. So, okay, that$2 ,245 that came in, is that all that's going to come in? Yes, that's it. Okay. And then, again,$500 to the Corolla and Pineapple Express and Pineapple Express and Uber Technologies, Uber and Wendy's and IHOP and Venmo in out,$210. That might have been. Usually, I use Venmo for bills, too. so sometimes my brother will go shopping and I'll send him because we do the shopping as a group and we'll just pay each other for half and caffeine and Uber again you have a car but we're Ubering and Waterburger and Venom we now$610. Oh that was when I bought my car to pick it up.

17:10Oh okay. The Uber and Venom we now$25 Venom we now a lot of monies but again if that's for bills. So really I didn't really I think I saw one grocery store in here Rosedale Market for$55. Did you just eat out for every single store okay so where's where's the grocery shopping or do you just eat out every single meal so this past month has been a little bit irregular for me um that's why i've been going to 7-eleven so much is because i haven't been grocery shopping um because i just and i haven't really been eating anything i also lost five pounds on accident jails sorry um but it's i've just been having a hard time with my husband being gone so that's why i'm like kind of not only do i spend a lot of money for like weed and stuff and like going to 7-eleven like buying my one meal of the day there but are you bored oh no no i well i go out with friends a lot because that's what all that lapa lapa and stuff is i'm going out with my co-workers because i'm trying not to be at home by myself so i'm trying to yeah but also like going on drinking and eating is kind of expensive so i need to stop doing that but um yeah no i've just that's why i haven't been grocery shopping all the bs spending was just over a thousand bucks which isn't crazy but it sounds like a lot to me well it is a lot for your income for bs spending it's a third of your income yeah so that's kind of a lot if a but then again if that's all the fun you're having and you're not in a bad situation then if that's the 30 that you want to put towards having fun okay But I would rather get you out of your car debt now first.

18:49And then last but not least, there is a savings account. What's the current balance in there? Because I know things have changed. What's in your savings right now? I believe it's like$22 ,500. All right. I think we have found. But that's my dad's money. That's not my money. Well, what's your money? Oh, my savings? Yeah. Oh, I haven't really allocated a set amount for savings because I've just been kind of doing whatever with my money. What's your savings? What do you have? Like in my checking account right now? No, that's all my money in my checking account. You don't have anything else outside of that?

19:29No. Where did the$8 ,000 come from? $8 ,000? Well, I had it already. That's what you saved up. Yeah, but half of it my husband gave me. So right now the$700 in your checking account is all that you have towards your name. Why'd you send the savings? That's your dad's It's not even yours What are we doing? What do you mean? You sent the savings That's your$23 ,000 Oh yeah, no, no, no That's just in my savings account But it's not yours Yeah, no, it's not mine So your dad's money's in your savings account? Yeah, because he doesn't have a bank account Oh my god, that's just weird I know How old is this dude?

20:09Well, he's like 56 or something like that What, is he like a weirdo that... Yeah, he's a weirdo. He's a weirdo for sure. All right, so, well, now I'm a little less happy. I was like, all right, we're going to pay off the car today, and we're going to have pretty much a fully funded emergency phone, and that was it. So, but nope. Sorry to burst your bubble. Bubble bursted. Spending a third on fun while we have all that. I'm glad you saved up$8 ,000 to begin with. I am glad you put a good down payment down on a car. We can, you know. I mean, it kind of was, but you didn't do it the traditional route.

20:46But either way. Right. Your portion of rent. $610. Incredible for Austin, but that's with the roommates and stuff. We got a backyard. Oh, it's a house. Yeah, it's a duplex. I got three dogs, so I need a backyard. Oh, very good. Very good. I have a puppy too, but he's in my bedroom. Oh, okay. So he didn't jump all over you when you came in. Oh, that's okay. Okay. And your portion of utilities? um so uh me and my brother are splitting it in half since my husband's not there so he's not paying any of it and usually it's uh around this time it's like between 150 and like 180 oh so my portion would be about like uh 75 to you so you pay half yeah okay maybe 80 bucks i guess what's your car insurance um my car insurance well it freaking was 140 and then they canceled it because they didn't have i don't know it was weird like i put i had to get the insurance before i took the car home right because the dealer wouldn't let me take the car home and so i got it and then they sent me a letter in the mail saying like oh like we don't have your name on the title and i was like what are you talking about i just bought it but i guess it's because when i started the insurance like i wasn't on the title yet or something like that i'm not sure but anyways I just restarted it yesterday and I was playing phone tag with them because they kept me around and not doing anything.

22:09How much is it? It went up to like 200 something. Maybe like 250 or something. I can't exactly remember. How much you spend on gas a month?

22:23Maybe like 60 or 70 dollars. I don't have to fill up very much. though it is a very driving you need to drive in order to live in Austin once you're directly downtown or in the domain so healthcare is that through work? I have my husband's health insurance so I don't pay anything other minimum expenses well we have the car payment it was 280 so my gas bill is separate from my utility bill that's usually like no yeah sorry I forgot it's usually like$20 maybe for my portion okay I'm gonna give you grocery spending of which is what you're gonna be doing now is getting groceries like a big girl of$300 and then I'm giving you toilet paper anything else you need for the house make up all that good stuff$100 do you think$300 for groceries is enough for one and a half people because you have a kid no it's my younger sibling but me and my brother we just split the groceries in half.

23:29How old is your younger sibling? Like 16. Boston with the Boys is here to let you know that every college football Saturday, FanDuel is dropping profit boosts that can turn wins into bigger wins. Sounds like we should rename Saturday Booster Day. Nice. 21 plus and present in select states. Opt-in required. Bonus issue does not withdrawable profit boost tokens. Restrictions apply, including any token expiration and max wager amount. See full terms at FanDuel.com slash sportsbook. Gambling problem? call 1-800-GAMBLER.

24:02Is he the brother that you're talking about that splits the payments? No, no, no. I have my older brother, yeah, and then my younger sister. Younger sister is who you're taking care of? Yeah. Okay. And you and your older brother both take part in this? Kind of, sort of, yeah. Taking care of them. I'm the younger sibling. I don't really do anything except for get groceries and stuff. but he is the main yeah okay what's the situation there why is he living with you guys well as we've established my dad is weirdo so um my sister oh no she's crazy they're all crazy okay all right i'm gonna allocate just an additional uh since someone else is also helping to put into it i'm gonna have you put in it it's only groceries and other little things that you're helping with or Are you helping with more stuff too?

24:56Like school supplies? What does it look like? No, just food. I mean, I'll do the odd thing here and there, but I don't think it's really anything usually expensive. I'll get them pants sometimes. Then I'm going to put on a monthly basis an additional$250 that you can put towards that. A little more than I was going to go, but that's just in case there's pants and shoes and stuff like that. So let's try to have that less. This is what you put towards the brother front. Your portion. Okay. And then, you know, whatever else comes from the other side is awesome too. Okay. I put it, that as a max of$250.

25:32Make it a little lower when you can, but then when those odd things pop up that you should help with. Right. You said$16 as well? Yeah. Okay. He can also start, you know, working on some Mickey D's if he wants to bring in some extra money. Right. Does he have a car? No, it's my younger sister. Oh, is she? I'm just sorry. No, she does not have a car. No. She has a bike that's like electric and stuff. So she gets around that way? Yeah. And you're pretty close to things? Yeah, I would say so. Okay, then she can start getting a job. As long as it does not detract from school and does not put her in a bad mental health place with the balance between school and stuff.

26:09But she can also help. Okay. I just want to frame this right. She does not necessarily need to be fully self-efficient right now. But she can start gaining some of the skills and contributing. Yeah, but she's probably not going to. because she's going into a self-paced school right now, so she's trying to graduate a year early. So kind of the plan was just focus on school. Probably at the beginning of next year, yeah. But by that time, I may be in San Diego, so it's kind of relevant to me. Okay, just one thing to consider going out there. I'm way on the outside of this conversation, so I don't want to make any immediate adjustments.

26:49Just make sure as we're heading into the next year and heading towards 18, skills are good to learn we do not want to be enabling anything of course not any leaning on people well actually leaning on family is good in a healthy way i just want to make not excessively yeah yeah for sure through a weird family situation that is currently there with parents that are not in the picture i want to make sure she is fully successful when she hits that adult age in our culture to go out and make a path of her own without having to rely on others. Leaning healthily in a healthy way on family and friends, totally good.

27:31Nothing wrong with that. But just making sure that she's fully set up. Any other minimum monthly payments you can think of? Oh, you know, you should probably put on there, I have to pay, let's see, I buy a lot of dog food, so it probably comes out to like 120 a month, maybe? I have big dogs. typically the way i do that is i put that in your own groceries oh oh so i'm changing your food budget to 400 okay that that works i just get the h-e-b brand so it's not too expensive okay and you're canceling all your other subscriptions because you do not need them right now like netflix and all of this of course of course

28:22I don't really watch Netflix anyway so I guess I don't need it who does at this point okay so your needs category comes out to $2 ,060 and after your raise not taking into account much overtime well a little bit of overtime but not much after your raise your needs category is is 62 % of your income. So that's too much. Yeah. That's too much. That's with also helping your younger sister. But even still, take that away, and you're still well above 50%. 50 % should be the maximum that goes towards your needs. 50%. Okay. So what we need to do here is, you know, when you're moving to San Diego, which is, I'm going to say, well, I mean, the income situation will change then, too, because you'll need another job.

29:12So it just gets weird. essentially what needs to happen right now is needs are cut somehow where do we make wiggle room in the needs i don't know i don't want you to you know starve yourself i don't want you to not give your little sister what she needs i don't want you can't break leases or anything so well actually we can break a lease because there's a clause in leases for people in the military and is your brother going oh well he we already talked about it and he said he was fine to just stay at it sounds like a bad decision to me but it's hard to tell right now because like everything the military tells us bj's wholesale club makes holiday hosting so easy we called in the ultimate host to talk about it mrs claus here you think santa has it tough delivering all over the world try cooking for hundreds of elves good thing bj's offers low prices on all the menu must have plus free same day delivery on your first order of 100 or more no more squeezing in trips to the store.

30:09The only squeezing here is the big guy into a suit after dinner. For terms, visit bjs.com slash holiday and get the same great prices online as in club. The next day turns out to be a lie. So don't ever trust the military, but he's supposed to get, he's going to, my husband's going to graduate in August. And then at that point he should be able to take maybe three weeks of leave. And then we were going to spend that time to move, but we have to get on a wait list for the housing so we're not even sure if we can move by that point we may have to wait longer so everything's kind of kind of cluster right now yeah yeah it's hard to make plans it is but i'm not gonna screw myself and go to san diego without a job or anything because i mean i have a good job here that i like so well your needs are obviously too expensive but you do have$1 ,240 left over on a monthly basis with some overtime that's in there.

31:07So we can start making progress towards things, and we can have an emergency fund and stuff like that. Yay! Yeah, celebrate, but the amount of time that's necessary in order to get that is well beyond when you would move, even if it's delayed a bit. Right. So it's like, how much of a plan is going to be a plan right now? So should I just work a bunch of overtime? Well, absolutely. Do you have the option to work as much as you want? Yeah, I can work as much as I want. Work a bunch. Work a bunch. Go crazy. Stretch that to$4 ,000,$4 ,500 that's coming in net. Monthly? Net, yeah. Okay. Go crazy because you're working, what, 45 hours right now or something like that?

31:4944 hours? Usually, yeah, around there. Okay. Work 55, 60. 55, 60. Go crazy. Go crazy because you're moving. Let's get you in a club. I as well, right? Let's get you in a clean spot. It doesn't matter right now. You're looking for distractions anyway at this point because you miss your husband and you're going and spending money right now. Let's use that time and just be making the money right now. Okay. Because the cool thing is if you have an extra net$2 ,000 a month, I mean, just for the sake of moving and the expenses around it, you know, for two and a half months, save up$5 ,000, which is two and a half months of emergency fund for you right now.

32:24But that covers some of the moving expenses when that needs to happen. and putting down security deposits and stuff like that. Well, never mind. Yeah, because we don't really have to do it. The military will pay to move all of our stuff. Okay, maybe we save up$4 ,000 just for a little extra safety net than we would normally have in this situation. But then everything after that$4 ,000 for these coming months, you're just putting it towards the car, putting it towards the car, trying to get the car balance, you know, after a few months, maybe down to$6 ,000,$8 ,000 because you're just going crazy.