My Lawyer Had To Step In | Financial Audit

25:57Oh, I see it. Keep going. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff.

26:31Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? You can try DollarWise for free until September 1st. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to DollarWise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. DollarWise.com. Let's go. The only person that I knew who had dealt with similar things, I reached out and he has since then become a confidant, manager, supporter and someone that I kind of talked to earnestly and honestly about.

27:18To moved in with. Yes. Yes. Not the best decision. And he did not use your holes. No, he didn't. Okay. There was a chance he wanted to. Oh, see? Very poly. I can smell this from here. He's very in the poly. I'm not one of them. Hold on. Easy. He's not a racist show. Yeah, but very much. That's not my vibe. But yeah, he's a good human. A good human that I wanted to learn more and be more like. So he's a manager. So what was wrong with the move-in, though? If this equated to all this, what the f***? I was working for YouTube and Google at the time as a stage manager for their former YouTube space.

28:02No, for their productions. There was a brief moment where they tried to do their own originals. Yes, yes. I thought that was a long time ago. It was like two years ago. And then I basically was hired as a part of that. They started to cut down on their own production saying wonderful creators can handle it on their own. And they kept us around for about a year just in case. And then they completely laid off all of the people in that kind of area and world. It's cool to go to the Howard Hughes hangar every day and get the Google facilities. But I was never a Googler. I was just a hire. Why was it bad to live with this person?

28:41Because it was too expensive. It was too expensive for my living. Okay, you really.

28:48loaded the fact that living with him was bad or something. So I gotcha, I gotcha, I gotcha. He also had lived by himself for seven years, so he was not used to having roommates. So? I became the dish man, the clean record. You were his little b**** boy. I was the little b**** boy. Well, you look like everyone's little b**** boy. Yes, we get it, we got it. I mean, if you want one, I'm here. Nope, absolutely not. I will kill myself. and

29:17what was your rent? It was$2 ,400 a month. Yours? Yeah, that one was crazy. No, no, no. Your cut was$2 ,400 a month? Oh, my cut. The rent for the place was$2 ,400 and then I paid$1 ,400. Oh, even still, that's crazy. That is a massive chunk. And that was before utilities, yeah. Was your income the same at that time? When I was working at Google, so there was about a year of when I was living there and I didn't have the job but when I was working at Google it was 76k a year was my salary. And then they just closed it down. And then they just shut down all of the vendors that were associated with that.

29:53That happens. It happens. And I didn't have an emergency fund at the time and tried to figure out my sh**. When that just equals going into debt forever. It was a problem. That's what you started. It was a problem. And it was only since November? Yeah, I looked at it. Were your finances good before that? No, no. There was a lot of thinking, oh, future ivory will deal with this. This is a future ivory problem. Oh, that is what we named you. That is a weird name. Yeah. That didn't even sound right. Oh. No. Okay. Okay, okay. So paying bills today is literally just transferring it onto other things then?

30:30It's finding the means of, you know, donating mixed with other jobs. Just not. You don't do blood, plasma? No, no, I haven't. I applied for plasma about two years ago, and I didn't get it. I was drinking at that time, and I don't drink now, so maybe I should try again. But it's working the day job. Try drinking again? Oh, yeah, try donating plasma and applying for that again. But, yeah, the day job, the prop house mixed with the good gigs. we did reference the$30 gigs but there's a lot of 700, 900 travel gigs, I was actually here about two months ago with some shows at South by Southwest and stuff and those ones really do help out with rent and bills so and yeah so that was from the, it was just the Arizona bank hack where I was, yeah because I basically I opened the account in Arizona and then I had mine one in California.

31:32And then when I would try to make these things happen, I mean, you, you called it, but it's the swap between the two until I found a job or something to bring me back to zero. Um, so I get a charge for 300, I go to negative 250, and then I have to bounce that between the two until I can find a job, whether it's donating, whether it's, uh, working at a crazy out of town thing or selling my body in musically. Okay. Oh, you're a tough one. To be around. You sound just like my father. Yeah. He's never coming back. I promise you. Aja. Just made an Austin Powers reference. The quirky millennial. Come here, man.

32:22Dude. Oh, you are. Oh my gosh. Okay, what do you think your financial score is 0 to 10, 0 being the worst, 10 being the best? I'm going to say a 1 just because we didn't talk about it. Why are you so excited about this? You just had to say 1. If you want to see where you're sticking to the world of finances, take the financial score assessment at CalebHammer.com or DollarWise.com and if you don't want to end up like a guest who comes on the show, make sure you download the DollarWise budgeting app today. If you ruin my plug, I will murder you. I will end your entire life. I will make sure that there is no chance you even make it to the airport after this you dumb little f***ing c*** if you don't want to be like a dumb c*** download the DialWise budgeting app take the free trial sign up for the annual version you get your budgeting cookbook signed by me mailed directly to you sign up for DialWise Central if you want all of our education bundled with it for 80 % off DialWise.com sounds like a deal I'm holding it back I'm not playing any songs they're in me they're in me you can hear them if you think hard enough, but I'm not playing.

33:27I might want to make it to the airport. Oh, yeah, yeah, buddy. I don't even know, man. Oh, I just, um, I'm, I'm, I'm, um, you know, I'm a band kid. That's what I did. And, uh, wow, I don't like performative motherf***ers such as yourself. I'll tell you that. $1 ,500 on miscellaneous bullshit in the last month. $1 ,500. What's your rent? Because you couldn't do a$1 ,400 rent payment. It's$800 now. 800. Okay, then why the f*** are you spending$1 ,500 on miscellaneous bullshit? Well, the 800 is all cash. The way I work it out with my person is 800 cash. No, no, no, no. You actual, come on. Don't be a dumb.

34:08Don't be stupid. Don't be a moron. You couldn't afford a$1 ,400 rent payment, so you downgraded. Then why the f*** in the last month are you spending$1 ,500 on miscellaneous bullshit? You know, it's the only way I know how to find joy in myself. You just said the only way you could find joy was going out and taking the low-paying gigs. I said the two ways. Those are the two ways. Well, choose one. You can spend more on miscellaneous bullshit if you actually go make some money by providing value to society. Or you can cut all your dumb shitery and go out and make no money doing your hobbies. Choose.

34:44I want to make the music. Good, then cut the dumb behavior. No more bullshit. I don't give a fuck. It's the only way I know how to feel good, though. Why did he just say the performance was? No, no, I told you. Don't you damn dare. I said no. I will break it next time. If you think that's a f***ing joke, I don't even care if I get any criticism for it. I will smash this on there. I will do it. And unfortunately, it looks a little old, so I hope it doesn't mean anything. But if you f***ing even try to play something, I'm going to destroy it. All right. And that's not a f***ing joke. I'm not f***ing joking.

35:19Give me this. Okay, what is a Mobi loan? A mobile loan, it was one of the s*** loans that I got from a letter when I applied on them. Oh no, it came in via mail? Yeah, it came in via mail. I had applied for some other options. Oh, APR ranges from 73.7 % to 405%. What is this? Yeah, it's a nightmare cash advance. It was after I got shut down from everything. Oh, we need to shut you down, buddy. What the f*** is this? You have one that you... Oh! What are you... Oh! If I pay it off immediately, it's$32 ,000. You owe$3 ,200 right now! But then it's... But then, yeah, it's also... I know it goes up, obviously.

36:09Way up. But there's no chance of you affording$3 ,200. It's at$141.75 % interest! What is your minimum monthly? No, it's at$210 ,000! $210 ,000 is your average out rate. And that's every two weeks No, no, no, no, no, no, no, no, no, no I'm talking about the interest rate What's your minimums of payment? Um, about four $10 ,000 is your total fucking payment? $10 ,000? If you pay it off with minimums Then no way you can't do anything more than minimums I mean, that was the one place I was debating Taking out from the retirement To just hit that in one fell swoop But it doesn't make any sense Because you'll just do it again Because that's all you do Because you never fix your behavior That got here in the first place Buddy, how much is your minimum monthly?

36:51It's$420. That's your monthly? Yeah. It's two payments of$210 every two weeks that match my pay cycle. This is insane. Okay, when did you borrow this? So I know it was a part of the whole thing, but what did you use this for specifically? I used it to pay off other loans. I had other loans kind of default on my account when I lost some jobs and we were cut back on our work. So I went extra negative in all of the accounts. And my tricks that had worked in the past did not work. What tricks worked? Oh, the transferring back and forth over and over? Yeah, the transferring back and forth had happened.

37:28And my family doesn't support financially. So because of that, I tried to find a way that I could handle it myself. Well, good. I'm glad they don't enable you. Why would they enable such bullshit behavior and immaturity? Why would they? You think they should f*** you No I wouldn't They You know I love my family dearly And they'll give me food And they'll give me shelter If I ask for it But I don't want to burden them With this I want to be I want to be Just like how I want a family I don't want them to have to worry Buddy In what world Could you possibly Take care of a family? Probably a good Like Lord of the Rings Kind of world Where we're just like Giving bread You're obnoxious Oh you might be Oh f*** There's a few It happens It happens once a quarter not that I'm everyone's biggest fan but once a quarter I meet someone who I think is the guy I've hated the most in the history of this show I don't think I like you I don't think I like you I like you I don't think I like you you're annoying your personality your existence is bad your existence is bad oh f*** I'm gonna be a piece of s*** this episode because I do not like you and I am incapable of hiding my emotions.

38:45I'm incapable. It is one of my biggest flaws. One of my biggest flaws by far. Okay. And then you were denied by Upstart for serial delinquency? I had applied for, I already had one loan with them, so I had applied for a second one. And yeah, when the mobile loans came through, that was to fight the serial delinquency because I couldn't make two payments that I was struggling with. Oh, man. Have you been making your payments on? 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.

39:24Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Yes. Really? How? I mean, working the 8 to 5 and then getting up early and donating and then playing whatever shows. You're doing morning nuts. Morning nuts. They open at 7 a.m. I'm more of an evening nut. That's okay. I don't know if I can pull it off myself now that I'm 30, unfortunately. All the jizz works, you know, whenever, wherever. Well, that's not true.

40:04That's not true at all. It's true. 48 hours. You got to wait that and drink plenty of water. True. Okay. Okay. Okay. So do you go every 48? Um, not every week, especially because... Why, though? If you're willing to do it, why not take full advantage? Um, just because when I have the good-paying shows that come in, the 300 to 700 types, that'll keep me out until about 12 or 1 a.m. Good, wake up and nut. It's, uh, then the nut's not as pure. Doesn't matter, they give you the money. Mm, that, that is, that is... I'll consider that. I'll consider that. I just need you to make money, because this is insane, buddy.

40:42because it's insane. We're talking$25 ,000 a year just to literally jack off. And that's my passion. It's a decent passion. Okay, I have Empower slash Tilt. Yeah, they just switched over to the name Tilt from Empower, but it is a banking app that basically links with your bank account, watches what you get paid regularly, and then will cash advance you towards your paycheck. This is crazy. This is crazy. That's why I advocate for the f***ing Fizz card because it only lets you spend what's in your checking account. So it's basically a debit card that builds credit. That's what I advocate for. This is f***ing madness.

41:25This is madness. And you owe$309, repaid$0. Shocker. Oh, but you have to pay the full thing. Yes, they give you$300 and then you pay back$309. What a deal. Okay, so when do you have to pay it back? Oh, so it happens every month that you have to pay. And what happens if you don't? Do you? Yeah, yeah. It happens every month. And it really happens actually every two weeks. So they just have unlimited money. They just get unlimited$18 from you forever. You're on a subscription to them forever because the moment you pay this back, you need it. Yeah, yeah. And then in – Oh, my goodness. Oh, can someone please take my morals away from me so I can just start one of these companies?

42:07because this is incredible money, incredible money for nothing. Yeah, it tracks itself for markets as a way to track your spending and to work with how to see where it's going. And it actually does the breakdowns. And that's where I got my general ideas of what was happening because a lot of those on that list are in a similar vein.

42:32Dude, I don't even know, man. I don't even know, man. And I'm being told you figured out how to scam the AI assistant to get more time to pay things off? Yeah, well, all of them basically use AI assistants for whenever you need support or whatnot. So on one of the previous times when I did have a hard time to make that payment or to get it taken care of, I went in and asked for an extension. And then I found out that if you say that you can't make it in the next two weeks, the AI assistant basically says, all right, when can you make it? And it'll give you about a month. So I've done that a handful of times where I try to just extend the time.

43:13So instead of$18 a profit going to them, it's$9 a profit. Dude, I don't know, man. And you think you're doing something good? You think you're making progress? You think you're being effective in life with that? All the time and energy you spend on that, buddy. It's just like, what is your hourly at this 8 to 5? $20 an hour. Do you have a degree? Yes. Jazz, piano, performance. a business minor. As someone who went, what business minor? Well, shocker. As someone who went to school for a relatively similar thing, what a worthless degree. But, you can leverage, you could, you can take the fact that you had a degree, became a well-rounded student and graduated, get some work experience, leverage that into a career position at some point.

43:58You decided not to, clearly. That was never an option in my brain. It seemed kind of just like chasing the dream and following, I've been a yes man to whatever project comes towards me. I've had a lot of friends blow up and go off to bigger, better careers with their performance, whether it be on Twitch. Like one of the things I worked with a lot was playing music behind Dungeons & Dragons games. And a lot of those people now are working on big networks as D &D players or game show contestants, things of that nature. And hoping, you know, I would like, I'd hope for that to be something, to be a piano player at one of those fun kind of live show networks.

44:36Play Breaking Point again.

44:44I added some chords on the end Because I didn't memorize the whole thing I just memorized that motif So all your friends became successful And now the thing you've done at the highlight of your career Is play a song that someone else wrote While they were in college For a student project poorly on their own show I thought it was beautiful Well done, maybe it's time to go into a career Hmm There's a lot of sh**ty music careers. You can make really bad music. Or you can go do a f**k career. Work in a call center, man. It's more effective. Yeah, you had asked earlier about things to pursue other options, and the biggest one that also kind of pertains was going back to school for music therapy.

45:24Oh, you know where your money goes? I just learned. Smuggling in illegal cigarettes into California. Yeah, they made menthol cigarettes illegal about a year and a half ago. they lumped them in with the flavored vapes that the kids smoke. And that's the one last thing that I have on my vices. Your bank might not be your friend. I see so many people on financial audit get stuck in vicious cycles of paying off late fees, overdraft fees, and interest from their own bank, which is why I'm excited about Current. Current isn't a bank. It's better. With Current, your money actually works for you. Qualifying members can get up to$750 with Paycheck Advance.

46:04Fee-free overdraft covers when you accidentally go a little over. And you can use the build card to actually grow your credit. No credit check, no interest. Earn up to 4 % APY and savings pods and access 40 ,000 plus ATMs without fees. And get 24-7 live support. It's not just banking, it's banking that actually has your back. Join millions choosing better banking. Go to current.com slash hammer and use code Caleb50 to get$50. Start building, saving, and breathing easy. See their website for terms and conditions. The thing is, that is the third time you've used essentially a dissimilar excuse. For smoking, for continuing your evening low-paying music, and for going in miscellaneous bullshit.

46:45It's basically the third thing. It's like, it's the last thing I have. It's the one thing I have. There's nothing else I have. Pick something, buddy. Yeah, living day by day, trying to take it each day by day has just been hard to kind of see farther than that, especially with the debts that have been ran over. Are you at a pack a day? I'm a little bit less. A little bit less than a pack. About 16 a day. That's insanity. Do you not know how insanity that is? That is disgusting and horrible for you. It seems like less years where I don't have to file extensions. That is true. Less years that I have to allow you on the follow-up channel.

47:24That is true. So that's essentially, yeah, it's$1 ,750. Pack of cigarettes is$1 ,750. But what about the smuggling? Or is that what it costs you? That's what it costs me. So$1 ,750 a day is your subscription to lung cancer. Basically. You've subscribed to lung cancer for$1 ,750 a day. 365 days a year. Okay, that is$6 ,300. That's insane. That is insane. That is like, that's two months of your income goes to cigarettes a year. two months of your income goes to Siggy's, to future lung cancer, to just And it goes to feeling so, so good. No, it goes to you looking older than 35 because you smoke. I mean, I got the Botox before I came on.

48:10I thought it would look better. Dustin, you got lines on that forehead like crazy. That Botox is not working, my dude. And I did come with a big-ass pimple on my forehead, too. I made sure I was here for it. Does Botox do anything about that? I don't know. But it ain't working. Okay, so I'm not going to write down the 309 as a debt because I mean, like you can just pay it off and it's done and you're required to pay it off but it's, because it's not a minimum, well okay, I'll write it down. Okay, so he owes 309 but the minimum fee payment is just paying it off so I'm not going to add that into the minimums.

48:41So you just got to pay it and it's done. It's the one time. Listen, and if you ever decide you want to grow up and get a real job, I'll get you a course career certification anyway. Okay, course careers. So you try to get into something. I'll get you like an accounting certification, a trade certification, something to just get your butt in the door and start making money. Okay, so we don't even have statements. These are just written down on paper. Yeah. Why? Those ones are apps that don't present statements, similar to the earn an app. But people usually give screenshots. And I'm pretty sure Upstar has statements.

49:15We've received many Upstar statements in our time, have we not? Yes. Yes, but, you know, it's a pretty chunky stack. I think we extended some grace. We extended some grace. I had never seen my credit report before, but it was 52 pages. That's quite a lot. It seemed like a lot for a report of credit. So earning you owe 300, and then you owe that 300 immediately, right? It's the same type of thing. So we'll add it to the debt. There's no AI extension on that one. So that one is every two weeks. I don't even f***ing understand you, man. Found the ways I could make it work without asking friends or family for money.

49:53It was the easiest thing to do without troubling them and not being a burden on them. So$300 to earn it. And how frequently are you using that? I mean, you've started using it since 2018, which is right when the app started. Like literally when the app started, you downloaded it and you just started going crazy. Yeah, I also get ads for it whenever I watch this show, which is crazy. Really? Yeah. That's interesting. Yeah, and then... Not a sponsor, but it's an ad. Yeah, it's interesting. But then with that, yeah, they used to rise. Well, actually, I should be clear. I have to note that the same with consolidations and a lot of other things, 0 % credit cards.

50:32It is okay. There are ways to actually utilize a tool like this, but every single person, obviously, on this show does not know how to use it. They get abused by it. They abuse it, and they get... There are ways to finesse. You were just using it incorrectly, but go ahead. Keep going. I was just going to say that when the layoff that I previously spoken about happened, I had actually used those loans to pay off all of these in one giant lump sum. But then once I had no work or nothing promised, I had a very weird job for a minute, but it wasn't very good paying. And that one, that was when I paid them off.

51:10But then with the layoffs, it kind of ended up making me go back to them and not utilizing them correctly. thinking I would get paid for something and then losing it. Okay, what is this AishCast Express? This is a 769 % Aishis rate. Is that a payday loan? Yes, it's a payday loan. Oh, yes, a f***ing payday loan. What are we doing, dude? Just so you can f***ing have your menthols. What a disgusting joke. Menthols and paying off my other... In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices.

51:58Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middlemen. Bills. No, it's menthols because you'd be able to pay off your other bills if you didn't have a$6 ,000 a year subscription of menthols. That was one that I just found, and it was accessible. How do you even do this import? What is this? This is menthols. I basically, in my days when I was partying a lot, I basically put a smoke shop lady's son through college because I paid so much for different things back in the past from her. And so her little payoff to me is that she brings them across the border and then charges a little bit.

52:41The Nevada border, the Ohio border. You can't get them. So she sells menthols under the table. Yes. That is wild. I love how we always create industries by banning things. And I think it's worth noting that when I was still working at that YouTube spot, there was a guy who would leave his business cards around because he sells menthols for$25 a pack in California. And he'll only sell a minimum of two packs. What's good about it? It says minty, right? They're minty. Yeah, it's minty and just some of them have more nicotine in them. You're paying a premium for that? Shuts down my brain a little bit quicker than the others.

53:19Plus, I don't like the taste of normal cigarettes. I only like the one cigarette. Good, quit. They taste like what? I brought my lozenges in my gum today because I am trying to shift down and counting how much I do daily and then also adding in alternatives. Why is your life so performative? It's so weird. Yeah, it's funny because it's not me trying to have a voice as much as it's me trying to be the sprinkles on all the other artistic cupcakes that I'm surrounded by. It's always felt like... What the f*** are you talking about? Well, so being performative, it's always I'm assisting the talent.

53:55I'm assisting the thing, whether I was working production or whether I'm playing piano. It's never my name on the marquee. Still isn't. Literally, you played three things on today's show. two of them were one song that I made as a literal school assignment in college. And it was a brilliant song. It's fine. It was too long. I should have cut about two minutes from it. The comments of it said that it was one of the hardest songs they've ever played, too, which I thought was really cool. It is. But, yeah, it's, you know, it's finding that voice. That's something that I've been trying to explore over.

54:25Also, I'm going to have to link it because he did not give it a good representation. I'll tell you that. I want that to be my legacy. I mean I can do it again if you want no no no trying to find confidence in myself all of these things are decisions I tried to make to step forward and be my own person without asking other people for help without trying to trouble my family my friends so instead you trouble me $255 owed to Ace now is there a minimum monthly payment with that that's also a that's the payday loan So it's$255 given to you, and then$300 is paid back. Over the course of when? A month, yes.

55:06So every time? Yes. And you just repeat it? Yes. Oh, you do a monthly 769 % interest? Oh, f*** it, Caleb. Get rid of your morals. Get rid of your morals. Go make an infinite amount of money. There's so many dumb f***s out there that will give you an infinite amount of money. Oh, just abuse them. Oh, what the f***? Why can't... Oh, I'm a Gooner Prime. I'm a Gooner Prime. Why can't I also just be a piece of s*** that milk society? We can work together on a theme song for that company. I was trying to have a moment with myself. Pretending you weren't here. Gooner Prime!

55:50Oh, f***, dude, you don't even know how close I am. You don't even know. We can go to the sperm clinic if you're that close. Oh, I do not like you. Audience, I do not like him. Dooner prom. Shut the f*** up. Seriously. Seriously. Seriously. I don't f*** you. Hey. Hey, you little c***. Why are you here? Why am I spending my time with you? Because I don't know where to turn anymore. And I am screwed. I'm screwed. It doesn't matter. Your skin's turning yellow from all the s*** you do to your body. So you're not going to be here long anyway. Yeah, I want to get out of it with outgoing 40 years or whatnot, paying the super big 10 ,000 amounts on them without cashing out my retirement and with building an emergency fund.

56:39Because I'd like to have a dog. I'd like to have a family. I haven't dated in forever because of the self-hatred that is present. Oh, my. He's a horrible human. You are the person that nobody wants to be around. You are the person that nobody wants to be around. And I am forced to be for my job. And I have the best job in the world. Why am I complaining about it? Because it's miserable right now. Oh, is anyone even watching this?

57:112 ,163 owed to upstart. For what and why? And give me more details. Yeah, that was the$2 ,000 loan that came a while back to help with the time when I was in the layoff. Yeah, I get a weird self-confidence or a weird feeling of myself whenever I'm in, whenever I have debt or whenever I have a negative bank account and can't really do anything or go anywhere because it feels like you have to spend money to make music or to do any of this stuff to even go to your day job. How much did you even spend on a stupid little piano thing like that? What are you wasting your money on just so you can be cute on camera?

57:49I mean, this is actually gifted to me, but it's only about 30 bucks. Gifted by who? One of the groups I work with. Because I work with, I also coach and teach several different groups like improv techniques. Why didn't you buy it yourself? I mean, I have another one that I did buy myself. It's rainbow colored. So this one's sentimental? I mean, not too much. It's pretty, it's just a good easy thing to take on a plane that I don't have to check when I put in my bag. Okay. Okay. That's the way you're spending money on things. I'm glad you at least didn't spend money on that because I just don't understand what you're trying to do.

58:33So the upstart is$2 ,163. Tell me, what's your minimum monthly payment? For that one, it's$54. $250 every what? No,$54. $54? Yeah, once a month. Okay, so$54 once a month. What is the interest rate on this?

59:01I hate this episode. I hate this episode. I hate this episode.

59:09I'm buying him a new one because I'm not a piece of shit. But I had to confirm it wasn't sent to mental first. I hate this episode. I want to see that happen with the Labubu. Oh, trust me. I'm burning that thing. Okay. $54 a month of upstart. When did you take that out? Did you already answer that question? No, I didn't answer with a date. No, that one I took out in, that was October. And what was it for? Because that's before your November crash out. Yeah. I actually do feel better. That one, yeah, that one was to kind of help just with the moving out and moving around expenses. to help me pay off all the other monthly things that had been tabulated up.

59:56Okay. Oh, dude, you have a credit one. I have two credit ones. Two credit ones? It's like the worst credit cards you can get. That means you're in the worst position you could ever possibly be in. Yeah, that happened after I went through the debt relief program. They were the only credit card that would give me any sort of card. Of course, because they make an infinite amount of money off of you. They got to pay for their stadium in Vegas somehow. I didn't know that they have a stadium in Vegas. That's hilarious. Are they the Sphere? It's not a stadium, is it? I thought it is. It's a venue. Credit one.

1:00:33Okay. Certainly not paid off every month, I'll tell you that. Not purchasing. Oh, it's because it's over the credit limit by 86. It's over the credit limit by about 25%. I've been paying the minimum, but that doesn't bring it down to even that limit. No, it doesn't. Because you went well, B-OV. And you know why? Because there's, you know, late fees, you dumb f***er. If you pay the minimum, but it's a late, and then a late fee comes on, you're right. It doesn't go below. Oh, weird little, wait, let me check that math one more time. Oh, true. I'm correct. What a f***ing thought, you moron. You think you go and you pay late, your minimums is going to go down?

1:01:12F*** you. You dumb piece of shit. How the fuck do you even say, oh, look at me. I'm paying my minimums, guys. I'm paying my minimums. This is you every morning. I'm paying my minimums. Oh, my goodness. And that's going to make it go down. Oh, but I pay it late. Fuck you. Fuck you. Why would you even set it up with I pay my minimums and it's not going down? Fuck you. No shit is not going down, you dumb actual cunt. Yeah, 7.15 a.m. I'm always jerking it like that. But that is, you know, the credit one is the one that I've dropped the ball on. That one I kind of got spiteful for. You dropped the ball by three months now.

1:01:48You've been late. You're actually dumb. Why do you exist on the same planet as me? Why am I not entitled to being around better humans? I've never been one to be entitled. I talk against entitlement all the time. But this is the first entitlement I will grab. and it is I am entitled to not have to deal with pieces of sh... Oh, I hate this. Okay. It's, uh, you know, that card, I just, I kind of hate the company and it was done out of spite for a little bit. That doesn't make sense. They're making more money off of you dumb... You benefited them, you actual dumb creature. Well, now that I know, there's a...

1:02:26Shut the f*** up. I don't even give a... Class action lawsuit. What? There's a class action lawsuit going against Credit One right now, too, for the predatory tactics that they use. I'm sure there is, and who even knows it will actually work. Class action doesn't mean it succeeded. Yeah, it got me inspired, though. It just made me feel better about it. Are you a part of it? Yes, I signed up with the website I found it through. It was like Washington Post had done a post about it. It's interesting. I'm curious to see where that goes, but I don't know. You opened this in 2019. Like, if it was fully taking advantage of you predatory things, then you would have paid it off at least a couple years ago.

1:03:04when it said you're above the credit limit like a dump. Yeah, I paid it off when I took out the big, there's another fund that you're going to get to that we haven't dealt with, and that one I actually paid it off and then had to, I used it as an emergency card for those emergency menthols. Hundreds of dollars of fees and interest from that card alone this year. Normally a$30 minimum payment right now is$90 because he's late the past few months. keep going

1:03:43I have to make it to the end of this and actually give you a budget because I know you actually want f***ing help. You're just, it's your personality that is performative and quirky millennial, and I hate it. So I know you're genuine, and that's why I'm going to f***ing do this still. Trying to stay positive and grateful? No, buddy, you look like someone who's been HIV positive for the last 10 years. Go survival. $557.05. You're what happens before they invented PrEP. Is that something you do in Excel? Okay, another late fee. Why? For the credit one, I honestly had lost track of it.

1:04:28What did you lose track of? You can have automatic payments on. What do you mean I lost track? Well, so everything kind of turns into a day-by-day payment with all the funds and the mixing between of these different kind of one-off cash advance loans that link up with the account, like the Tilt or the Earning or the Clio that's going to come up. And with those different ones, I get to a place where I take care of some of them and then didn't take care of things like Credit One like I should have. Okay. Yeah, that's crazy. Late fees, like madness, hundreds of dollars. Interest, late fees, 28 % interest.

1:05:05Over the limit, you owe$557.05. The limit is$500. The minimum payment is normally$30. right now at 60 because you've been late by a month. Cast Central Payday Loan. People don't even call themselves payday loans anymore. This is when you know you've gone to the bottom of the barrel. That one was through an email. So you got an email and you signed up? Yes. Oh, you creature. When, where, why, how, why? That one was about last year, February. Last year, February? So don't tell me it got this s*** in November of last year. If it was last year, February, f*** you. Well, that one, yeah. That one, I mean, that one was kind of I didn't want to use any of the other ones I had used before.

1:05:45And then when I read reviews online, that one was a little bit better than Ace or Speedy or the other ones that are. If you're taking out a singular payday loan, that's bad. There is no good payday loan. You can finesse a lot of things. The pay advance, you can even kind of finesse here and there. Payday loan? I can't think of a way to finesse that. Yeah, it made sense. I mean, the$45 charge made sense when I had good jobs on the books that seemed like I'd be able to pay them forward, treating it as a cash advance. But I've had a lot of jobs fall through or contractual things. So you still owe$290 and you took it out?

1:06:26Well, it's because you just do it every month, don't you? It's one of those. Oh, promo code brought it down,$9. Yes. Cash central. Okay, it looks like you owe$290.38. Again, not going to put it in the minimum because you just got to pay it once and it's done. But you're just in this cycle where you're just using one to pay for the other and to pay for another to pay for another to pay for another. That's like the main reason I wanted to come here because it's kind of felt like a brick wall. I first thought I was taking care of it myself, and then it just is completely without a paddle. This is just crazy, man.

1:07:09Oh my gosh. I can't believe this is even more going. This one's out of Las Vegas. 188.86 % interest rate. I'm not even surprised anymore. Okay, here we go. 36.76 a month. No, every other week. Okay, so it's just two monthly payments and then it's done. You borrowed 125? For what? Literally$125. $125. I'm not saying it's an insignificant amount of money, but when it comes to everything, it shouldn't be make or break a life, and you had to borrow that at 188.86 % interest? What? What happened? I needed gas. I needed food. Getting around in my RAV4, getting from the gigs, the west side. I mean, I drive probably about way too much.

1:08:03It makes it... That's an interesting number. But that makes it so that obviously, obviously then these gigs are just not worth it because you're not even getting paid what you're using to travel. This is not worth it, man. You got to stop. Join community bands and just call it there, buddy. This is not working. This isn't working. I don't know if your networking is flawed or if your skills are flawed, but something's flawed. Yeah. I want to play. There's things that I want to still play, but then I think there are a lot that they are starting to look a little lame, and it's not worth it to go down to Hollywood and do six hours for$30.

1:08:47Maybe go with the wind. Go with the wind. You just said all of the market there is moving out anyway. They're going to tax-advantaged locations. They're going to London. They're going to Georgia. They're going to Vancouver. They're leaving. Even Texas just passed a massive subsidy and encouragement for film organizations, and maybe they'll come here. Yeah, I've heard of some things here. But then it's actually, yeah, because with that, before I moved back home or back to my home state, I was actually surviving pretty well. Wait, what's your home state? California. Wait, where were you? I was in Arizona.

1:09:23Why? Because I went to Arizona State as a college. Oh, yeah, okay, sorry. That's where I studied music. And then after I got out of school, you know, the networking was kind of pre-built from school and it was very easy to make a living just doing the music prostitute life. Ever thought your tax return felt like a courtroom drama and you're the defendant? Well, what if I told you you could turn that chaotic vision into a full-blown cinematic masterpiece? With today's sponsor, InVideo AI, now you can. InVideo is the only AI video creator that turns your wildest ideas into actual full-length videos.

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1:11:08Meet the computer you can talk to. With Copilot on Windows, working, creating, and collaborating is as easy as talking. Got writer's block? Share your screen with Copilot Vision to help spark inspiration. and use Copilot Voice to have a conversation and brainstorm ideas. Or maybe you need some tech help. With Copilot Vision, Copilot sees what you see. Let Copilot talk you through step-by-step guidance so you can master new apps, games, and skills faster. Try now at windows.com slash Copilot. Yes, then I was kind of enticed by it. Go to Arizona. I don't know, it's kind of hot there. It is, that's why I would never.

1:11:43It's pretty toasty. I would never. And the rent was super cheap. It was$4.75 for a four minute. Brandon, I would never. He's giving me a look. He lived in Arizona for a long time. Why the f*** would I live in the middle of the desert? Not near any coast. You're not getting any benefit. At least Vegas. You can drive to LA in three hours. There's Filibertos in Arizona. I'm not going to drive for six hours to go to f***ing LA from Phoenix. I mean, after I moved back, I was also playing casinos. It's just urban sprawl. It's not even walkable. It's just suburbia forever. Yeah. It's just depression and f***ing stick a barrel in my mouth immediately.

1:12:14They have a lot of casinos. It's the last city I would consider moving to. Yeah, they have a lot of well-paying casinos there, too, that also work out well, which were good for the music gigs. Those ones usually pay$300 to$500. Okay, so this gets paid off in two months, but then you probably just take it again and we'll find out. Okay, Moneyline. We've seen Moneyline before. Okay, what's going on? So with Moneyline, it was a credit builder loan. One of those ones where once you have an account with them, they give you a certain amount of money. and then as you pay that off biweekly, I believe in$35 increments, it reflects on your credit, building your credit.

1:12:50Yeah, but it's at a 23.99 % interest rate. This is not a generous program. And then once you get to the amount, like if they give you$800, then once you pay off$600, they hold$200 in a reserve that's unlocked once you've made those good payments. Okay, your monthly payment comes out to$78.45. cents. Every two weeks with the paycheck. No, that's your monthly. Because I added your bi-weekly payments together. But it's at a 23.99 % interest rate. It is not beneficial to you. It's just making money. This is making money forever. After I did the first debt relief, my credit was real low. So it's kind of come up much higher than it was then, which feels better, but still don't have a lot of options in building or getting funds whenever there's a struggle.

1:13:42Is this a different thing, this Moneyline Instacash? That is similar to, yes, that's through the same thing, through the same app, but it's... But it's a different thing. Yeah, similar to... What do you owe to this? That one I owe about$800. What's your minimum? The minimum, it's a one-time payment. So this is back and forth, back and forth, back and forth, and you pay a fee for it every time, huh? Yeah, it forwards you$760, but then you pay back$808. Oh, you creature. These companies, man. These companies. But listen, listen, yeah, these companies are evil, but look at this guy. Look at the life choices he's made.

1:14:22He's actively decided to go do these and not cut back on his wants in order to even while doing his nothing income hobbies. Like, this is all on him. He signed up. So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum? Get optioning those options. We could lose everything. Or, let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. For the rent, I don't have sympathy for that. He signed up for the expensive rent in an expensive area because he wanted to be with his cult leader.

1:15:10This is like, normally I'm vehemently against these companies, but it's not even their fault. You just did this. And you just kept going. But where else would someone go then? A job! The market, though, with that, I mean... F*** your market. Buddy, you could get a job paying better than$20 an hour. I mean, Costco right now is at$30 an hour. Uh-oh, he solved it. So that was actually a pretty opportune thing I saw over the past couple weeks. You get a hot dog on the way out, buddy. It's the prime life. I'm more of a chicken roll guy, but I'm down with that. False. That's trash. Yeah, I mean, it's to do the art.

1:15:48I mean, because that's the one thing with working where I'm at right now. I was working production and was making good money from that because those days would be like$250 a day for the short three-month contract or whatever it is. But now I'm working at a more corporate entity that utilizes like vacation hours and has - Get a job at Costco. Then go get a job at a second Costco and then a third Costco. Go get a million Costco-like jobs. Costco on repeat. Give up your stupid passions that are not working. Or Trader Joe's. Yeah, yeah, yeah. Yeah, yeah. That's another payday one. Oh, it sure is that 230.04 % interest.

1:16:29This is insane. Oh, my goodness. Are you making history? Is this the most amount of payday loans we've had? It is. Bam, bam, bam, bam. Oh, I'm going to murder you. Can't break my face. Because it's already broken? Yeah. It says it. You sound like my mom now.

1:16:49Okay. So$225 for advanced America. Very patriotic. Got to support America. Oh, you're draining it. Yeah, two of these four payday loans, by the way, do still have an option that you can once a year go for a payment plan of doing four payments. I don't think we've gone over it yet, but Speedy Cash and Cash Central do not offer that program, but Advance American Ace Cash do offer that. Well, are you going to do it? I don't know, because you just have to make the full payment and then borrow it again. It's just endless repeat. Yeah, I mean, I was looking at the, I think it's called the popcorn method.

1:17:27my friend who has been in a similar struggle told me to pay it off and then take less and then pay it off and then take less you see how his personality is insane by the way not with what he was just doing right there but with the bum bum bum and everything this is an ultimate now that we know how bad this is and how this is more payday loans than anyone's ever had in the history of the show

1:17:46you are cope performing and trying to be interesting and trying to be entertaining and trying to be funny because you're just coping through your life because it's nothing but misery and despair. Because there is nothing here. There is nothing here upside for you. Your hobbies, your passions are not working. You're failure at that. You're taking out more payday loans than anyone in the history of the show that features all the worst finances you could possibly imagine. You have nothing. So your little goofs and gaffs and your performative nature, it's just a massive cope. You know, I've got to find happiness somehow because otherwise the hopelessness just kind of takes over everything.

1:18:28But unfortunately, your desire and quirkiness to try to find happiness drains everyone else around you of happiness. You just don't know that yet because people aren't normally candid enough to tell it to your face. Luckily, I have the show's an excuse to do so. Okay, Speedy Cash. That one's just a payday loan. Just a payday loan. Number four. $255 and you get a payback$300. Hammer loans, ladies and gentlemen. Hammer loans, I swear. I swear. I need to let myself be just a horrible person And I will make all the money I liked the other name I said I liked the other name Gooner Prime I thought that was a fun That's like an energy drink buddy Energy that gets you funds Okay Wow we're actually to a traditional credit card No wait No we're not Nope It's a car title on A car title loan.

1:19:25Yes. What the fuck is wrong with you? Why? I had two Priuses before that had completely died and after that happened I got this car. I knew he was gay. I used up all of my savings to kind of get to this car and so after that I still had these other loans that were sticking around and I had this all amassed together. And then that was when I thought if I take out the one, I could have a

1:20:00debt consolidation type payment with the car title loan. But then that all fell apart with the layoffs. Yeah, it sucks. Sucks. I mean, you owe over what your limit even is on this. It's kind of crazy. I'm sure you were late, right? Actually, you owe the full thing. I haven't been late on this one. How are you over what you're literally able to borrow them. That doesn't make sense. Well, they gave me, I mean, I think it's the interest with it. They gave me the 10K or the it was like 11.5 with that one because it was first your previous balance was 4.48 and then it went up to 7.56. Yeah, well, they, I reloaned when I was.

1:20:38Oh, man, that's insane. That's insane. Okay,$756 and 84 cents is owed. Yeah, we lost a couple months of work. We lost January and February due to the fires. We? The places I was working with that. Another reason to move. Yeah, that was the way we couldn't. I didn't know where else to go. It's crazy, man. Yeah, 30 % interest on that piece of shit. Oh, one main financial. We've seen her. We love her. Here she is. That was the same one. That we already saw? Yeah, that was the one. This is all one main. What? The past two pages you just threw. Well, but this balance is substantially higher. Oh, then that must have been the reloan?

1:21:19There's only one. I only have one loan with one main. It was reloaned where I got the 10K, and then they brought it up to 11. They gave me 500 on top of that. Oh, so you owe a total of 12 ,456? Yes.

1:21:37Oh, no, no, no, no, no, no, no, no, no. So First National is a part of that? No, First National. Wait, what's the one main? So this is the, so we got mixed up. That was, I thought that was one. First National. Oh, I thought you threw a one main page. I haven't seen one main, have I? Okay, I thought, my bad. This is a new death. I done screwed it up. No, so I was mixing it up then. The First National is a cash advance that they see against the. $12 ,456.56. Yeah. This is the car title? Yeah. Oh. Oh. Okay. Your monthly payment, which I'm sure you don't make, is$446. I do make it. I haven't missed that one once.

1:22:25How? Like, borrowing all this in months? And jizzing in cups. In months. Yeah, that one I make, it's twice a month every time with the pay cycle. 35.49 % interest rate is f***ing crazy. That is f***ing crazy. I didn't know any other options. I didn't know where else to turn, and then that was like one of the only things I have of value. A career. But how do I afford school when that happens? I don't give a shit about, wait, you took this out when Arizona State? No, no, no. I said, how do I, like, go for a career? Yes, a career would be a great idea. Costco can be a career. Yeah, I mean, I don't have many things that are assets to me.

1:23:04When we were talking about it before I came on here, it's not a cool things. I mean, I have one, like, cool Batman artwork, but it's not worth much at all. I don't like you. You don't like Alex Ross? And then a pawn shop debt. Yes. Two things there. You owe a pawn shop debt. Yes. What? It's my Fender Rhodes. What is that? It's a Fender keyboard. Oh, okay. So it's a keyboard that instead of strings, it uses tine bells. You have pawn shop loans? That's also a first time in the show history. Yeah, it's got a tube amp. This is becoming just sad.

1:23:45Oh, okay. So go ahead and walk us through. If I'm not mistaken, you give it to them. They give you money, but you have to give them more money to get it back, right? Yeah, so they gave me a$400 loan when I lent over my keyboard and tube amp, and then six months down the road, you pay$435 to get it back. Six months? They actually changed it. It was six months last year because not the first time I've done it. This year it's down to four months. But you can also go in and pay that$35 interest if you can't pay the full amount on time. So you go in, if you can't pay$4.35, you pay$35, and then you have another four months to either get the full amount or extend the interest again.

1:24:26That's crazy. Oh, my goodness. What a f***ing racket. Dude, you've fallen into every trap. The only trap I don't know is just like, what is it called when you brought it? It's a loan shark. I haven't done those recently. I did those back in my early 20s. Did you actually? In my early 20s. You have to tell me. Tell me. Yeah, I mean, I did one of those. Like, they gave me, I was working at a$5 store on Hollywood Boulevard where I had a regular paycheck. And I was very performative there. I was the emcee. But with that, I was into some dastardly kind of things and partying a lot. And from there, they would give you$1 ,500.

1:25:08and then if I remember correctly, it was about 6 ,000 % interest. So in total, you would pay back about$24 ,000. You get$15 ,000. By when? Who gave this to you? Not name, but just a person that would come up? Yeah, it was like a Google search. I thought they'd been outlawed because those are the one things that I try to look and not fall into. I mean, I have some pretty bad interest percentages, but the mobile loans is the closest to that. But on the other side of that, the shark loans, I was always told they were called shocked ones, but those ones, yeah, they would be upwards of 600%. No, I mean like the shady dude at a bar that'll give you money.

1:25:45If you don't pay it back, he'll literally break your knees. Oh, no, this was like a Google. This was like actually through. That's still insane. Yeah, through money. When was the last time you took one of those out? When I was 22, so 13 years ago. Jeez, 22? Yeah. 20? Like 22, 22, 35. That's insane. What were you doing? Why did you have to take it out? I was living outside of my means. I was living outside of my means, and I was definitely partying my ass off. Trying to, I mean, trying to just, like, forget everything. Trying to just be in a stupid moment that I learned is kind of not in gratitude.

1:26:24What now is different? What now has changed that has made you come on here and actually want to change? Because I know you have. You're just obnoxious. Yeah. But what has actually changed? I'm realizing that, you know, there's a lot of things that you got to be more. I got to show gratitude. I got to have gratitude. I mean, I try to force the gratitude. And that's where this happiness kind of comes. And then I also got to just kind of give myself grace. I hate it. I've hated myself for the longest time. That was me. I mean, when I took those out, that was the longest. Like I said, that's the future ivory problem.

1:26:58Future ivory, we'll deal with it. Let's do this other stuff and party. Who knows what will happen? and maybe I won't make it through the weekend. It'll be a fun time. And nowadays, I do want to keep going and keep doing stuff. I mean, a family would be ideal, but to actually just be a normal human who doesn't have the problems like this and the end-all, be-all running around like a chicken with his head cut off when things fall apart. What is this, Klarna?

1:27:30That is... I heard an uh-huh. From Lindsay, so I guess it's Klarna. Klarna, yeah. Oh, baby, you got Klarna. I did Klarna for a flight. No, and TikTok shop and Airbnb and TikTok shop, you actual creature. You don't even remember. How f***ed up were you? Dude, seriously? Yeah, I didn't even know I have a TikTok shop account.

1:28:00Are you getting scammed, Lindsay just asked? She just gave a face of, like, shocking confusion that I have not seen since I've met her. Yeah, I mean, that's even a document that I don't remember even submitting. I mean, this was one of the most chaotic that we've ever put together in terms of documents. And thank you for working through it. This was a financial crime scene. Yeah, and I'm glad everyone's still alive. May I see that?

1:28:33Yeah, it has auto pay with TikTok and auto pay with Airbnb, and I don't use either.

1:28:42These are accounts that I have. These aren't debts. You have$11 ,000 with Morgan Stanley. Two accounts make that. It's at about$10 ,000 right now. So$10 ,000 total. So the$7 ,000 is just a part of that? The$7 ,000 is the traditional IRA. So that's something extra, separate? So$17 ,000. No, no, no. That's part of that. That's part of the$10 ,000. Okay. Well, there's a piece of hope on there, I guess. I mean, that's surprising, oddly enough. Okay, I started the checking account with negative$30. Can only move up from there. Nope, that's not true. But you did at$1 ,017 ending. Smoke Shop, no one surprised.

1:29:22ATM withdrawal. ATM transaction fees. Smoke Shop, Bright.com membership. Smoke Shop, ATM cash overdraft approved. Great,$120. ATM would draw. Smoke shop. Apple bill. Starbucks. We're bleeping the name of the smoke shop for reasons you've learned earlier in the conversation. Jack in the box. ATM would draw. Smoke shop. ATM would draw. Apple bill. Smoke shop. Starbucks. ATM would draw. ATM would draw. Going into some BS. Probably smoking. Starbucks. Smoke shop. 7-Eleven. N &S. N &S. C-Store. C-Store. Smoke shop. Zellin' out. Smoke shop. Dude, this is disgusting. You should be disgusted hearing how much you get smoking, man.

1:30:10Market traveler. Bullshit. Wear traveler. ATM withdraw. Overdraft authorized. $140. ATM withdraw. Reoccurring payment from Clio AI. Yeah, that's the... Oh, good. Dude, reoccurring payment. ATM withdraw for overdraft authorized. $260. ATM withdraw, Starbucks, Hillcrest Liquor, Smoke Shop, Accrua, Smoke Shop, Apple Bill, Smoke Shop, Bubble Up Express, Smoke Shop, Vola, Smoke Shop, ATM withdraw, going against NBS, ATM withdraw, Apple Bill, Smoke Shop, Smoke Shop, ATM overdraft approved,$340. $50. ATM cash approved overdraft,$50. Bright.com membership, ATM withdrawal,$1 ,000. Yeah, a lot of those ATM withdrawals are when I would transfer it over to the other one to prevent overdraft.

1:31:09I would acknowledge the overdraft, which could happen, but then I'd have 48 hours to get that covered. I don't know why you accept this life. Savings went down from$200 to$20. Well, what's this even savings? Is this just another spending account? Smoke Shop BS, Google One, Smoke Shop, ATM Withdraw, Intelligentsia Coffee, Microsoft, ATM Withdraw, ATM Withdraw, ATM Withdraw, Hollywood Fringe, ATM Withdraw, ATM Withdraw, ATM Withdraw. I can try to budget you out of this. The budget, unfortunately, is not going to be the answer because I doubt you can afford it. This makes no sense. It's like, right now, this doesn't make sense.

1:31:49The real answer to this, big guy, the real answer to this is change your behavior to prove that you're actually able to budget and not completely mess up your life, and then go through bankruptcy. That's it. Get as close to a fresh start as you can. Lots of rage this episode, and annoyance, and upsetting. But the reality, and honestly, it doesn't really matter because, again, you're stuck in these cycles. in order to get, well, the minimum fee payments are actually not the worst because you just have to,

1:32:22what sucks is everything that's owed right up front in order to get rid of the other debts, but the ongoing minimum fee payments alone are not the actual worst. Well, they are bad for your income. They're about a third of your income at$1 ,132, but you don't make enough to pay for all the rest of that. The ones that come out all in one to pay them off, you know? What's your rent? $800? $800 a month. Utilities? It's included. Okay. Gas? Drive? Yeah, that one is about$250 a month. Phone bill? Phone bill is$25 a month. That's pretty good. That's like doing helium, the one that we support. So that's good.

1:33:05Okay, car insurance? That one is, I just paid it. It is$137 a month, and it's every six months. $137 a month every six months? Yeah, I don't know why, but I can pay it. Okay, groceries,$300. Use our cooking book, known as a cookbook, budget-friendly cookbook. $100 for TP Fun Medical Healthcare. I mean, you're probably dying. I get it through my job. Yeah, but co-pays or anything? Oh, yeah. Okay, I pay about$50 a month in co-pays. Okay,$50. You have any pets? No.

1:33:41Subscriptions, I'll give you$25. Figure it out from there. I mean, yeah, you're going to have room, but the fact is you just need to either let these things that you cannot pay off go to default and then just never go into debt again and then live by the skin of your teeth and pay off the rest of this debt because technically you'll have a$700,$600, maybe$600 to$700. Okay, you need$2 ,819.01 to survive unless there's something I'm missing. I don't think there is.

1:34:11$2 ,817. But if you bring in$3 ,500, if you set aside some money for taxes, so$3 ,500 net, you can knock out the rest of the debt. But the fact is, the rest of the stuff, you're either going to have to settle some and give some up or settle some and be dramatically late on some and then settle the rest the next month. What you might be able to do, you might be able to settle over the course of multiple months and just be late on some or just do bankruptcy after you change your behavior or do a consolidation, get that payment on here and start and then you only have maybe$200 left on a monthly basis and you have to grind out your debt.

1:34:44There is a way to do this. It's just change of behavior and no more fun. And honestly, I'd give up the little side hustles. I'd do some hobbies, absolutely. Do some music, you know, maybe to just keep up the resume and skills a little bit, but you got to pick up an evening job, make more money and pay off this debt. You can do this. This is a cycle of you making a choice at this point because the numbers actually do work. Are you serious in regards to the like, doing the donations as often as possible because that's something I've thought about. If you don't care, then sure. Yeah, okay, cool. If you don't like it, then I don't want you to do it.

1:35:16No, no, no. If you don't give a f***, then sure. It's been considered. I just kind of, I get so many judgy friends and family whenever I talk about it. You're already doing it, so I don't see what the difference is. Nah. I mean, don't do it or do it. That's kind of what I'm thinking. Let's make more little ivories all around. All right, Lindsay told me we have something absolutely juicy in the post. I don't know what it is yet. or we're about to show you the teaser. So make sure to join Hammer Elite and do that. But let's get the Hammer Financial Score. Spending it in a budget, 0 out of 10. You overspent debt.

1:35:45This is like some of the worst debt ever without collections. And I'm sure you have collections. 0 out of 10. Emergency fund, there's nothing. 0 out of 10. Retirement, surprise. 35 is still behind for retirement. But I'll give you a solid 2 out of 10 for that. Real estate, 0 out of 10. So Hammer Financial Score, we're going to round you up to a 0.5 out of 10. Join Hammer Elite for the post show and get three exclusive shows posted Monday through Friday on the best YouTube membership in the history of the platform. Subscribe below or click that join button. I'll see you on the post show. You owe money to your parents?

1:36:20I mean, I was taking advantage of them when I was a junkie. They enabled this bullshit. How much do you owe to your parents? You're breaking history left and right. I am exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. This next one's for all you CarMax shoppers who just want to buy a car your way. Wanna check some cars out in person? Uh-huh. Wanna look some more from your house? Okay. Wanna pretend you know about engines? Nah, I'll just chat with CarMax online instead. Want to drive? CarMax.