Pathetic Simp Drowning In Debt For Busty Latinas | Financial Audit

22:55You don't know. That was like a year and a half. Almost two years ago now. Yeah, go ahead. $17 ,000. Look, private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss you, grandma. Y-Refi says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway.

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24:36it shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try for free, plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. But no, the$17 ,000 in two months, that actually had nothing to do with women. I was single then. That was actually, oh dude. I was f***ing, I remember those two months I was traveling around back and forth from here to Chicago and then I had to stay in Chicago for several of those weeks and I was with my boys and we just went ham we were working nights and so on our days off we were just out and about I was buying a bunch of stupid s*** I bought the Metaglasses when those first came out you know, new phone, new iPad, this, that and the other it was just a bunch of tech stuff mostly and then a lot of booze I feel like that's why you are where you are today.

25:37Because if you had all that money still and you didn't blow it all on women, booze, tech, friends. But the debt didn't start until I got the Jeep. The debt wouldn't have been there. If you didn't blow all that money, you would have bought the Jeep in cash. You would have done the repairs in cash. You would have cut your losses, got a different car in cash. If you didn't blow all your money, this wouldn't be a problem. You were 18. You made a lot of money. You considered yourself financially sound. I mean, you told me you were watching Graham and others and whatnot. back then. Yeah. So, and I guess me, even though we barely just started.

26:08However, even still, if you did, you didn't follow what anyone would have said. You could have set yourself up for an incredible success. How much did you have in savings at your height? Before you f***ed this all. So it was a little over 10K. It was like almost 11. And then in Fidelity, it was like three. 3 ,000? Yeah. What? This doesn't make any sense. And Robinhood, it was like another band. And then, I kept a lot of money on PayPal for some weird reason. How much? another band or two. This doesn't make sense. What does that get us to? Like 5, 7? I don't remember at this point. It was like 15, 16K.

26:42That math didn't add up. But either way, you made it sound like you made like$140 ,000 or so junior, senior year combined. No, it wasn't$140 ,000. It was like$120 ,000. $120 ,000? How did we only have$15 ,000 to show? Call it$100 ,000 because you were like low, low, low, low, low, low, low, low. at 10 % growth, not putting anything in, not putting anything in at all. At all? Yeah. And just letting that hundred set for 41 years to 65. You don't hold your whole income. What do you mean? You had no overhead. You were in high school. You had low overhead. Yeah. Very low. Fine. Call it 80. Because you could have set aside the vast majority of the income.

27:26Vast majority of your situation. You lost out on$4 million. $4 million. and now it's not only that, but you're negative 65. Yeah. From having$4 million you could have had. And by the way, probably closer to 20 if you kept contributing throughout. You know, 20. $20 million to now a negative net worth of 65. And yet you are watching all the financial channels of which who no one recommends. People follow those channels. They turn their lives around. They get massive investments. They get good credit cards. They live good lives. Yeah. And then you show up at 21, negative$65 ,000. I got the same. Nothing to show forth and potential STDs.

28:07No STDs. I got checked. Well, that means you didn't live enough. Honestly, I got burnt out, to be frank. Like, I was just tired. Or the tip of your dick was burning. Which one? The tip of my dick is never burnt. I never got STDs. Then you never left. You wrap it up. But, no. I was burnt out from all the work of everything. I'd been, since I was 16, working, you know, 60 to 80 hours a week. And, I mean, I still am. I mean, you crashed out with your family, apparently. I mean, just, I don't think you're living your life like crazy. Oh, yeah. Crashing out with our family. There's been so many events.

28:34Hating all your exes and all this craziness. Blowing all your money. There's so many situations throughout this entire process that at the time just. Why'd you crash out with your family? I'm learning you. I need to learn everything about you. So my family and I, we've never been close. They're not like, I wouldn't call it family. They're just people I grew up with. What? Like, it's not like that. Like, I got two of my close friends. They're my family. Well, they ask you for money all the time, even though you're negative 65, I'm being told. Yeah, yeah, no. Luckily, that's mostly stopped. They have borrowed a lot of money from me.

29:04Well, now you're poor even though you make money. Yeah. Which is ridiculous. They're still poor to me. All for the vagina. It wasn't all for the vagina. Maybe like 60%. Vagina booze traveling. Come on. Power the pussy, man. Yeah, but no, with the family thing. Except I don't spend money for that. I never had to, like, work. I mean, you don't have to. I've had a lot of sex. Yeah. That's a weird statement. No, no. No, we're goon brothers. We're goon brothers? We're goon brothers. I've had a lot of sex. I've never had to do anything. But when you have a girl. Get them a McFry. When you have a girl and they make, comparatively to you, almost nothing, you don't want to put them in the same lifestyle you have?

29:47In marriage and engagement or really far into the relationship. Not an old chick who's squishing crickets. Like I said, that one I didn't. That was a six-month thing. It was on and off. That one wasn't as serious as my most recent one. So what's your current living situation then? What at least do we live in? If you're just breaking up with everyone endlessly, we're living alone finally. So yeah, I live alone. I have an apartment in San Antonio. It's a two bedroom. One of the bedrooms are in my lab. And when was your last breakup? Two months ago. Did that push you to this apartment? No. So I actually, the one before this was a lot cheaper and I was going to stay in there.

30:22But with her, she ended up moving in with me pretty early on. But you just broke up. Yeah, we just broke up. That was like a year and a half ago. Let's see her. Okay. Let's see what he pulls. I have pictures of her. Let's see what he pulls. I don't like... Okay. If what I said... First of all... I've had a lot of sex sounds weird. I have pictures of her. Also sounds very weird. I don't... Well, not like that. What the fuck? You know, it's a reason I haven't deleted them. But I don't pull. Let's make that very clear. I have no game. He's really bringing the expectations down. That's her. But she's cute.

30:50I know she is. Give me more pictures. Oh, okay. Maybe on Instagram or something. Like, that's... But I find, like, you know, just like the morning messy look cute. So like almost anyone would look cute in that. A lot of my pictures of her are like that. Just bring up her Instagram. I'm blocked on Instagram. You're blocked? Why do you always have bad breakups? I've never been blocked by one X. That's when we went on a date. She's cute. I know she is. Be careful going through my photos. You might see some shit you don't want to. What would you have? There's no dickies. Are you saving dickies? No, I don't save dickies.

31:24What the f***? You might forget to, I don't know, there's weird shit in there. What would be weird? Well, now I want to look. No, what the f***? Don't do that. You're going to see some weird shit in your garage. What's weird to you? Tell me what weird is before I stumble upon something. I don't know. You might see some f***ing personal shit. I don't know. Some f***ing, I don't know, me and her. I don't know. I don't know what I'm looking at. They're wires. Okay, here she is again. No, she's cute. You pull okay? I don't pull. You pull okay? I don't pull. They come to me and I don't know how it happens.

31:55It just does. I have no game. I'll admit that openly. Zero game. You know how I got her? What the fuck is that? Oh. I don't know. That's my shit. This is actually, I would say, one of the most boring camera rolls I've ever gone through. Shut the fuck up. It's not boring. Those techs are exciting. You know how much China would pay for this shit? It's just cats. My cats are adorable. They are adorable, but it's not weird. I was hoping to see like a line of c*** or c***. No, I don't c*** with c***. That's actually a talking point of why we broke up. No, she's cute. I know she's cute. So she had a problem with c*** and I told her I've had a lot of, I lost my friend to it.

32:36My mom was c*** going on. You lost your friend c***? He's not dead. He went schizophrenic and now he's homeless and just on the streets. Jeez, and you think that was because of c***? I know it was because he lived with me and I watched it happen. It does lead to higher chances if you're doing those kind of drugs when we're young. With her, and dude, it's so bad. I told her when we got together, I said, you can't be with me, Andrew. And there was like constant, every time she would go home, she would end up doing it. It would cause issues. She would do something. Every time you guys went home, she was snorting?

33:04No, no, no, no, no. She went to her hometown. What, with her family? She was like, let me get some c***? With her ratchet ass friends that are over there. And I would always say. Why would you stay with a c***? Well, that's the thing. Just flat out, why would you? So she kept, she would go like three, four months without doing it. She would go back home with her wretchedest friends and she would say, we're not going to do it. And then she ended up doing it. But the reason we broke up was because of alcoholism. She would like get super drunk and go on these like four to five hour tirades of just like talking, throwing, breaking.

33:34She keyed my Jeep, poured water in my bed, smashed my alarm. She keyed your Jeep. Yeah, bro. And you know why? You broke up with her. Yes. Good. Because she sounds like a crazy. You know why she keyed my Jeep? Why'd she key your Jeep? So we went out to get some food and I was closing out with the barkeep, you know, getting a couple beers. I tipped$4 on a$21 bill. And she said that I was showing the chick bartender special treatment and that's what led to that. $4 of special treatment? That's what the f*** I said, bro. How much was she spending on c***? That's what I want to know because also she barely f***ing worked, so that was all my money.

34:08Boring camera roll. Okay, well, I'm wrapping it up because I've f***ing scrolled forever. I didn't get this. See, there wasn't one weird thing. See, a line of a thing, like that would have been incredible. All right, what do you think your financial score is? Zero to 10, zero being the absolute worst, 10 being the absolute best. I'm going to go with a two. Just because I have some in 401k and I have a decent income. Income doesn't really, you can be making a low income and still be in a good financial place. It's what you can be. You can make millions of dollars a year and be absolutely beyond.

34:36Well, if income doesn't count, then I'd say one. Okay, if you want your Hamer financial score, see where you stand in the world of finances at calebhammer.com. Take the assessment. It is free and you will see where you need to improve, where you're doing well. So take it. Why not? And if you don't want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app, my preferred budgeting app. It is great. Tens of thousands of people have changed their lives with it. You can take a free trial and if you like it, sign up for the annual version to save a lot of money.

35:00And when you do, only for about a month or two left, I will sign my budget-friendly cookbook mailed directly to you and then it's going to go away forever. You giggling? Yeah. You giggling at. Your cookbook, bro. It's funny. Why? You look so cute. What? Oh, this is the big car. Dun, dun, dun. Yeah, that's the Jeep. It has been a nightmare. This is the one you blame me for. Yeah, it's entirely your fault. And none of your own actual decisions. I'm just saying, you know. Because you chose to put a bunch of money into it before you got your truck. Yeah. Which one have you put into it? I put in almost$8 ,000.

35:39That was your choice. Yeah, fixing it and trying to get it right. and then I was going to sell it and get a loan for the difference. Yeah. Because you're still putting more money into it to bring it to a place where you can sell instead of just, oh, okay, cut our loss and let's just focus on paying on the debt. Yeah. Like how much, for every dollar you put in, how much, how many dollars are going towards the actual sales price, right? Well, I looked it up online and as it is now, I have a couple more things to do. I have to fix the key from the Latina. But I think I can get like eight. Latinas love key in cars.

36:09I don't know why, bro. I'm like, I'm glad she didn't do it to the truck. I was like, okay, you didn't do it to the truck. But yeah, that pissed me the fuck off. They're taking advantage of the flexible motion that they have before they hit 25. God damn it. Oh. Turn it into the torta. No, man. I've been to San Antonio. You wanna get all the big old women down in San Antonio? Man, them chitrolls are the bomb. No, definitely, yeah. She was hardcore with it. And the worst part was I had to wake up for work the next day. And she was yelling at me until like 2, 3 in the morning. And that's whenever she poured water all over the bed so I couldn't go to sleep.

36:41Why were you with this woman? I've never been with someone that has done 1 % of these things. And then she punched me in the head twice. She threw all my shit, broke it, smashed my alarm clock. I'm calling her in the post show. You can't. I don't know. She blocked me on there. She doesn't want to talk to me. I have a phone. She doesn't want to talk to me, bro. She won't. I will. Bro. That'll be fun. Stay tuned for that. She made it clear. I don't know. I don't even want to f*** with it anymore. I'm just kind of tired of that, of women in general. I'm good on them. You know what I mean? You're going men.

37:16You know, I was actually joking when we were in the green room. I was like, it'd be so much easier if I was gay. One of my, like, day one. Well, yeah, so you were talking to very gay Colton. Yeah. One of my day one homies, my gummy, if you will, he's married now. And I was talking to him, and I was like, damn, bro, I wish I could switch teams. It'd be so much easier. Stick it in a dude. I don't know. Why not? I'm good on that. but unfortunately that's right I'm sorry it's just I hate y 'all so much what's the interest rate on this card on that one it's gonna be 8 % that was also not my fault nor did I ever say to go get an 8 % loan what 7 % or 18 % I forgot what it was you got this a couple years ago yeah yeah I don't know that was the lowest interest rate I could get probably about 6 % is what you would have gotten yeah but that I was only on my income I was I'd never had my parents car insurance or anything for history and so I don't know What's your difference for history?

38:10Like most people are on their parents' concerns when they're like 16 to 18. Why weren't you? So they have a history. I'm not cool with them. Why aren't you cool with them? It's a lot, bro. Okay, so my mom took us everywhere growing up, you know, place to place to place. We moved every like eight months to a year. And we were never, ever stable anywhere. And so everything I've done and everything I've built has all been with just me. So she was always kind of just like a place I stayed sometimes. and it would just be like that. Such weird dynamics with everyone. Is it not an odd thing that every single person you've had an interaction with in like a more close relationship, family and girlfriends, everything ends up in crash out blocks?

38:50Yeah, it sucks pretty hard. Except my day one homies. Those guys are ride or die. Uh-huh. For now, you're 21. Yeah, well, I've known since sixth grade. They're cool. You're 21 for now. Yeah. I don't know. Trust me, life comes. I mean, I rock solo down here. They're all far away. Exactly. I rock solo here in San Antonio, and I got to say, I'm in my best when I'm alone. Ever since the breakup, I've been doing a lot better. You owe$13 ,730.15 on this. 8 % interest rate,$386.36 minimum monthly payment. It ain't cheap. No, it's not. For your income, that's certainly okay, but it's just sitting there doing nothing.

39:27Yeah. So you looked at, okay, if I do this, if I do this, I can sell. What's the number you're seeing? So I think I can get about$8 ,000 for it once I finish this last year. After you already put in eight. Yeah. And then I can't get a loan for the difference. See, this is, again, if you listen to the show, if you listen to any of the other people, you would have known that, okay, maybe if you owe$13 ,000 on this and it costs eight to sell for eight. Well, that was like a year ago. Cut your loss. Because you got the truck already anyway. How much more do you have to put into it to bring it up to that?

39:59To bring it to where I can sell it? To eight, yeah. Okay, so it's going to - How much more money? Oh, it's going to be about 500 bucks. Okay. $300 for the paint and then$200 for... Do it and get rid of it. Yeah, that's my current plan. I've been trying for a while, but I'm just now finally about to. I just got to pay it down some more before I can sell it. $600. Okay, so this is your Ford. Oh, yeah, that's the truck. And this is much more expensive. Yeah, it is. And I got to be honest, this was a little bit, or a lot of it, of a what I want purchase. I've always wanted a Ford Ranger. Why? So you might be big and shit, but you ain't no fucking Ford fucking Ranger.

40:33Well, when I was a kid, I grew up in East Texas. And so, you know, it's like I don't have trucks. And I just really like the Ford Rangers. They're sick. It's like a tiny truck. You get good gas mileage, but all the benefits of a truck. Okay. Well, you owe$33 ,723. I know. What do you think it's worth? I think it's worth. I looked it up on Kelly Blue Book. I think it's worth about$28 ,000. What? What are you getting? What did we do? We have$16 ,188. Oh, yeah. I probably don't have all the packages, right? Okay. So,$20? 20? Is that what you said you saw? No, 28. 28? Really? Are you sure? Yeah, because it's the Ford XLT.

41:09The package just brought it up that much, over like$12 ,000. It's the XLT with a tunnel cover with a slight lift. No, we did your VIN. We would have it. Oh. We did his VIN, right? Oh, you didn't send a VIN. We always do. Oh, that's my fault. But yeah, I looked it up and it was about 28. But this, I want to keep. That's fine. I mean, with your income situation, if it was just this, we can deal with it. Yeah, so that's your plan. It's the old Jeep that you put more money into than you'll ever get back. And we have credit cards galore that we're about to go into. Well, the credit cards. So if it was just this, I would agree.

41:41For your income, it's fine. Yeah. The reason I'm not worried about the truck is I'm going to get rid of the Jeep pretty soon. I just got to pay it down. And then the credit cards are what my main focus is right now. So the plan is credit cards, Jeep, and then. Yeah, you spent everything you made. Well. Basically, the dollar. You didn't necessarily overspend, but you didn't underspend either. So what's the interest rate on this? That one I refinanced to 9%. It was at 13. It's the best I could get. Yeah, because your debt to income, well, your debt to income's not maybe the most horrendous in the world.

42:13It's probably not great. But the thing is, you do have bad debt. Yeah. And a lot of it. And it was worse. And probably young credit because you have so many cards you've opened. You'll see. My credit was a lot. Nine's insane. My total credit usage was a lot worse than... You can get a car loan for 6 % right now. I don't know a 21-year-old can get 6%. 21-year-old, you're right. That is hard, but you're making it even harder by opening all these accounts, making your credit age so low. It was like an extra 5K. And you have substantial debt. Yeah. It was a lot worse. I paid it down, and so I might be able to refinance again here soon.

42:44We'll see. 9%. I'd wait for rates a little more. Yeah. So I was really happy to refinance, though. I did keep the payment the same. You can probably tell. But at 9%, it took off a lot of time. So I was really happy with that. Yeah. Yeah. It's$630.34. It's not too bad, honestly. The insurance is a little high. It's$330, which is probably pretty average for my age group. The Jeep insurance was$480 at one point, though. And that was monstrous. That sucked. It was more than the payment. Yeah, and the mid-monthly payment's chunky, too, because when we add these both together, we're talking we're at like$1 ,000 a month.

43:21And the insurance is$300. Now, luckily, you're bringing in$8 ,82 because you need to bring in all your income. Yeah. You really do. And luckily the income too is, it's one of those things that I'm able to control a lot. So like if I'm low one month, I can work more and make more money. Why aren't you always making more money? I am. Pay off your debt close. What? No, you just said you can make more. Yeah. I mean, I have down months. I have down months where I'm like. Wait, why is it down? Well, like that month, for example, is going through a breakup. If you can make more, why? I am. What do you mean?

43:49Well, why is there a down month then? Well, I was depressed after the breakup. Oh, dude, just literally download Grindr and stick it in a hole. You'll be so happy Dude no Okay hold on I have Tinder is cursed Okay I'm gonna tell you that right now That shit is cursed That's what led to that This chick And oh man Dude no Swipe on Tinder Stick it in Have yourself a couple rebounds I've been burned too many times bro I'm tired of women No no no I'm not saying go out there and date I'm saying go out there and See that's how you actually get a STD That's nice Put the condom on Or people that you trust How are you supposed to trust The one you meet on Tinder Huh Well build that relationship Then take it off Yeah I guess so But um I don't know.

44:26I'm just a songwomen right now. Like I said, download Grindr, but that's an even quicker way to STD work. Better than Sniffies. Yeah. You know Sniff? Huh? You know the Sniff? I thought you were talking about C***. Oh, no. But Grindr and C*** goes very well together. Oh, wow. That's a statement. What's this? Oh. The AT &T phone. Yeah. So that one. Okay. So this credit card. AT &T phone? You have a credit card? Okay, let me explain. Back up. So I got this card when I was with AT &T, right? And they were doing a promo. Hey, pay your bill through this credit card and you'll get$20 a month off your bill.

45:05Tight. And so I got that. And then what ended up happening is the Jeep repair came up. And that is the card that actually put the engine on. And that's where a majority of that comes from. And then, yeah, it's been really weird. I switched to T-Mobile and there's more complications with that that we can talk about. Bring it up on your phone. Bring what up? This. Because you didn't send a statement. You sent a screenshot. Oh, my fault. Someone who watches finance YouTubers doesn't know how to use these apps. No, I don't think there was anything on there is why. Here you go. No, you can download statements.

45:35There's two cards on there. There's monthly statements, big guy. There are monthly statements. Yeah. But I'm not with AT &T anymore. I switched to T-Mobile. That's exciting. Yeah, but there's actually... Okay, so balance has not really changed. I haven't really done any much, even though you said this is your focus. Well, I'm doing the snowball. Here's what no one warns you about. The end of the year is basically a health battle. You've got airports, delays, holiday chaos, sugar comas, and a sleep schedule that looks like a stock market crash. But that is why I start my mornings with AG1. One scoop a day and I'm covering foundational nutrition that actually supports me through this mess.

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47:32It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a$350 bonus with a new Chime checking account and earn up to 3.5 % APY on your savings. And second, my investing app of choice these days is Webull and get a 2 % match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, sign-up bonus is only five bucks but with my link you get twenty dollars ladies and gents you get money i get money enjoy links are in the description below five thousand three dollars and nine cents oh minimum monthly payment of 157 dollars and 98 cents again we're talking someone who made 120 000 100 110 000 junior senior year of high school yeah and i mean this is what we have and this is what we have today.

48:32Yeah. That's insane. Yeah, I know. There's a lot of bad decision making. See how I just clicked view statements? Yeah. Yeah, that's how you do it. So if you come on the show, CalebPammer.com slash apply, actually send a statement. Well, there wasn't anything on there. Yes, there is. There's interest accruing. Yeah, yeah. $113.79. I get the total just like look of a year. Making minimum. How long do you think this takes to pay off minimum monthly payments only without any purchases? 113 minus 157, so 44. Roughly 120 months, so 10 years. 16 years with interest. I did the math wrong. 16, you did the math wrong.

49:12Math competitions were for nothing. A thousand hours in interest this year so far. Years end, that'll be close to two on one card alone. One out of many that we're gonna go through. That is my highest one. But barely, because there's many close to it. It's rough. That one is probably gonna... That's a rough one. What? Then you want to start a company soon? No, no, no. Oh, I'm being told he wants to leave the zoo job in here and start a robotics company soon. I do, I do. I want to do that after I pay off my credit cards. And have a year worth of emergency funds and a minimum if you're going to the world of starting a business.

49:44Yeah, I'll probably do that next summer. What? What? What do you mean? Wait, you're not paying off debt? You don't think so? I don't see any indication of. Oh, okay. No, yeah, I reckon I'll be done with the credit cards by like January, and then I'll get my bonus. What? In what way? I mean, we can go over the numbers. We are right now. I don't see it. And you'll have a full 12-month emergency fund? No, I won't have a 12-month emergency fund now. I'll probably have like a three to six. Which, by the way, I know the little savings emergency fund you have right now was completely blown yesterday.

50:18Yeah, okay. Funny. Booze. I'm not joking. Women. Friends. that's where all your hundreds of thousands you've made in your young life have gone and I'm to and to family I guess even though you say you're not close to them and I'm to believe that all these credit cards this will be paid off in a few months from now and then a 12 month emergency fund after that locked in for a second big guy you're zinned up and you're gone you're gonna find another flap you're gonna dive head in as you always have done they're telling me to not fuck with women until I pay this shit off and I was like this is a little key good idea Sure, until you don't.

50:54Like you said, you and I have the same problem. Yeah. We like women. Whoops. You will fall back in. God damn it. Luckily, I'm locked in, locked down. Yeah. With a good one, too. She cost you a lot? No. Really? No. Okay. We live together, but no. I mean, anything I do, she just does with me. So I guess, yeah, sure, if I'm going out to eat, it's double now. But that's not like crazy. Oh, dude, that was a big thing is whenever I finally switched from eating at home because the original deal was since she wasn't working, she was going to like cook and clean. That was like, you know, pretty good deal.

51:27The c***head? Yeah. Okay. Well, she, I wouldn't call her a c***head. Well, I mean, yeah, but. She was a c***head. She relapsed like four times in the course of a year and a half. Yeah. It was really hard though. It was emotional. It was really rough. These bad habits and stuff, I felt like we're, you know, eating out. Every month I was spending like over a thousand dollars eating out on bulls***. You know, for two people covering everything she needs covered, which, you know, is obviously not her. I should have not done that. But now I'm in that mode. I'm locked in. I'm going to get this shit done.

52:00I hope so. Temporary. We can all get locked in for a day, a week, a month. Well, see, I've done this before. I've done this before. You have. And that doesn't scream, okay, great, because that means we're not learning our lessons. We're not doing anything. We'll be here again. So that's why I'm just a little nervous. And again, if you blew your emergency fund yesterday. Oh, yeah, about that. So I was doing the Dave Ramsey band and then, you know, pay off debt. Why would you do that? A thousand dollars and then pay off debt. A thousand hours is not even close to enough. Well, because I know it's not, but what I'm saying is - Anytime people have been on this show throughout the three years that have done the$1 ,000 and then they end up in more debt than they were before they saved up$1 ,000.

52:34No, one month emergency fund or the money guy rule. Do you watch them? Yeah, I watched you on that. Okay. Okay. Well, watch the money guy too. They're good. They do highest deductible because$1 ,000 is nothing. He just hasn't changed it for decades. And now their argument because they want to stick to the rules in order to sell their stuff. Yeah. Is that, well, it's because it's just about changing behavior and getting a W. It doesn't matter. More people, you end up with worse debt in the end because no emergency is less than$1 ,000 and then you end up in more debt. So get that get that highest deductible highest deductible or a month, whatever you want to do.

53:06I was going to do, I was going to do. Either way, you blew it. Where? Oh, so I didn't, I didn't spend it. My homie is going to police academy and he's a newlywed, so he's down bad for cash right now. And last minute they dropped on him some big expenses, and so I spotted him. He's never asked for money before. It's an emergency fund, though. You can give. When you have more to give, that's when I do it. Now you're f***ed if something pops up. Then you're destroyed. No, I'll be straight. Next week, I'll put it back. You'll put it back with your income, maybe, based on the spending. I mean, we'll f***ing see.

53:38But two, what about, does he owe it back to you? Yeah, he said he's going to get me back. I told him, you know, just let me know when we're going to do it. But he's always been cool with me, and he's never borrowed money from me before. I trust him. I hope so. It's not about trust or if you can pay it back. That's all you had to your name. If something happens tomorrow, you're done. Well, I still have money in my account. How much? Like$1 ,000 total. But I paid all my bills. Like I said, it does nothing. What do you think an emergency is? It's not a bill. True. But I don't know. Mother car is running.

54:09I'm good on the car. I feel like I've had every possible bad thing that could happen this year. This is the thing. I should be maxed out. This is the thing. Yeah. Nothing feels scary when you haven't had an emergency before. I have. I've had all of them, bro. I had the dog surgery. I had someone die. Then having a thousand should terrify you. The car breakdown. Huh? Then having a thousand should terrify you. I really should. I guess I'm just jaded from it. Okay, Citi, pull up this. This is a double cash flow. Yeah, it's the same. You can just swipe on here. It's on the same app. See, there you go.

54:44but yeah so that one it was also car repairs this balance went up by the way since the statement you gave us it went up it's about the same $3 ,287.56 yep minimum monthly payment of$91.11 yeah those minimums get me man they always hit it the worst times yeah because you're putting everything on credit cards and this makes no sense of how you've lived your life and went from the most blessed position anyone could ever imagine. I wasn't blessed. I'd say I took it myself. Well, yeah, but you can, it's okay to be humble. Well, no, that's the thing is... 12 years to pay it off minimum. What? I was going to say, like, what you said, like, I had every possible bad thing happen, happen during those times.

55:33Not everything, but... Pretty much. You had some bad things. Listen, this will be a thousand a year, a thousand this year in interest. by the, so now we're at about 3 ,000. Wait, how is that one the same as the other one? That's crazy. No, no, no, not 1 ,000 this year so far by year's end. So we're talking 3 ,000 hours by year's end in interest. Fuck, that's tough. Yeah. No, but see on that one too. Half of your month of income from your main job. And I guess you used this card for your robotics lab in your house. Yes. $10 ,000 to$20 ,000. Oh, okay, okay, okay. So the lab itself is 10 to 20K. My lab is so f***ing sick, bro.

56:06If you saw it, it's so awesome. But I like to build robots and I build a lot of them all the time. It's a fun hobby and I actually made you a robot. It's in my bag. All right, let's see it. Okay, okay, okay. And I put the little booboo on just for you. Oh my gosh, I didn't know you were a. It's not mine. The word I don't want to say. Okay, so keep in mind, I only had four hours yesterday and I was left by like one hour. You didn't know you were coming on the show, then that? Huh? You didn't know you were coming on the show? I work a lot. Okay. Okay, but see - I have to plug it in? I only had time to do the essential parts.

56:40I was limited by print time. It says hammer. Hammer that dollar. Oh, sorry. Yeah, yeah. It's incredible. The money.

56:52Yeah, yeah, yeah, yeah. Yeah. So this is kind of like my whole bit is I just make stupid robotics. And sometimes I do make actual robotics for work. This is what we're starting a business with next year? No, no, no, no, no, no, no. The business is not this. Okay. And... 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.

57:38That's the whole bit.

57:45To save you from heartbreaking the future, put your dick under there right now. Yeah, that probably would help my financial situation. Remove the little head and think with the big one. But we've all. Yeah, you're right out of the show Silicon Valley from HBO. I don't know what that is. You should watch it. Because you're like that. What do you mean? It's just all about you. You're every character in that show. How so? I don't know. This. I like building stuff. Well, I like won't get the references, so I won't say it. Oh, okay. No, I have a lot of robotics, and that's actually how I got into the job field that I'm in that is making the money is my personal projects.

58:16It was a robot arm. Yeah. Okay, PayPal credit. Hey, you learned how to send a statement this time. Yeah. Really proud of you. That one had stuff on it. Yeah, so the PayPal credit card, that one I originally got out for the flights, going back and forth to Vegas. And what I did was kind of stupid. They had like a zero interest thing. If it was work, did they not pay for it? No, it was for my girl. They paid for mine. I know. I should have said that we were married because I would have paid for it. Oh, fuck. But yeah, and so, yeah, I would take her to Vegas with me. And yeah, it was a thing. But I got my check from it, and I was going to pay that back, but it had zero interest.

58:55So instead, I paid another credit card. $2 ,363.95. Yeah, and there's some other bullshit on there. Minimum monthly payment,$77. You got Peacock. Oh, I need to cancel that, bro. Yeah, you do. It's Peacock. You should cancel it. But also, Peacock. You're spending on bullshit on a card you can't pay off that is accruing interest. That doesn't make sense. Yeah. So. $54.82 of interest accrued this month. I know it's rough. Peacock, I need to cancel. I don't like Love Island. That's for my ex. But there is a purchase on there that you'll probably roast me for. I don't see it. What is it? Okay, so we were talking about it in the green room.

59:31I got scammed. I got swindled. I got bamboozled. I got false advertised. Tell. Okay, so what happened was, because I just got to get it out there before you see it, is I was scrolling on IG, fine s*** popped up, and I was piqued my interest. And she was working integral, right? But in like a slutty dress. and I was like, that's pretty cool. Wait, wait, wait. Into, huh? Calculus. Oh, okay. Yeah, yeah. So that's like, I was like, this is pretty cool. And she was like, if you want to see me do this, but naked, go on my ass. I've never been an ass guy. I've never done it. But I didn't even get to goon to it.

1:00:07I got scammed, okay? I was straight up scammed, bro. I swear to God, I didn't even get to goon. I go on there and I'm like, hell yeah. Shadi's about to solve a, you know, some equation. You didn't check the leak site first? I didn't. No, I should have. Real Gooner knows to check the leak sites first. I'm a new to OnlyFans. I've never done that before. And so I subbed, and it was just her tits. And I was like, well, this is fucking lame. Oh, you said titty. Yeah, but she wasn't doing math. So I was like, this is pretty lame. Like, I'm just saying, ladies out there, if you want to make some money, you know, maybe like, you know, calculate the resistance of a circuit while you're naked.

1:00:39Throwing it back. Huh? Are they nice? I mean, their boobs are cool. I'm just saying it would have been cooler if she was doing differential equations while doing it. I agree. Did you go through all her videos to make sure? I scrolled a little bit, yeah. And I got to be honest, I was duly disappointed. And I think I deserve a request. Yeah. You didn't come. No, I didn't. What? Yeah, I didn't. I was really disappointed because I was down bad because, you know, I was pressed after this breakup, you know, and I haven't had none in like two months. What about Shrift Club? That was always my reaction.

1:01:12Bruh. And then I went once with these people. You sound like my co-worker. No, then I went with these people and— What the fuck? It was fun. I've always thought of it to be a smelly, horrible... That's what it is. That place was smelly. Yeah. For what it's worth. What the fuck's the point of going to a strip club? And then I went with my girlfriend the next week. Yeah. Yeah, we got left answers together. You're joking. No, why would I? That's crazy, Wade. Can I just say I'm a gooner and then I don't goon in real life? She let you cuck her alive? That's crazy, Wade. No, we cucked each other. We were next to each other.

1:01:44You're like swingers. She was making out with a woman grabbing tits. That's crazy work, bro. Yeah, it was hot. Okay, I mean, that is kind of how we circle back to the lesbians. We like that. That we have common ground there. Yeah.

1:02:00So, yeah, that's fine. Go to a strip club with your boys. Hard pass. I think I'll stay in my lab. Brandon, Lindsay, and I will take you to a strip club. Bro, I don't want to go to a strip club. You won't go with me? I would go, but. You're telling me you will not go with me? You're a fan of the show and you will not go hang out with me at a strip club. Okay. How much money does it cost? We'll take care of it. If y 'all pay for it, then I would consider it. Yes, we'll cover the cover fee and we'll give you$100 in dollar bills. God damn it. Okay, okay, okay, okay. Maybe, maybe, maybe. I got a Latina bias, though, so that's got to be noted.

1:02:35We might have to do this. They're very prevalent here. We're not that far from the border. Yeah, yeah, yeah. In fact, some would suggest they're the vast majority. because most of them cannot speak English. That's incredible. Y 'all bless. Whether or not they're here legally, we do not know. Okay, we ball. I'm down for it. They're there. Dude, that's the most f***ed up thing Trump's done. I'll be deadass. He's trying to ban the Latinas. That's where I draw the line. Like, you know, make rich people richer and all that f***ed up. But when you try to get rid of the Latinas, I'm going to have to march in the streets.

1:03:06And I did. There's pics of me. I'm saying don't get rid of the Latinas, man. That's f***ed up. 15, 13 years to pay this one off. Oh, yeah, back to the net thing. So you're paying for the OF. Did you cancel your sub? Yeah, yeah, I did. Good. I canceled it, and I wanted a refund, but they're like, nah, you already saw it. Hold on. I have to vet you. I'm not looking at anything necessarily, but log into your OnlyFans right now. I'll show you, bro. I'm telling you, she didn't have math on there. It's f***ed up. I honestly really feel like I got scammed. All right, here's her page. Oh, I think it already...

1:03:40That's not what I'm vetting. I don't want to see her page That's not what I'm vetting I don't have any subscriptions on me bro Check He got a message from one lady this morning They all message you Yes but that means you subbed at some point No they message you bro She's Asian showing hole I know but they don't message you unless Asian showing hole is crazy They don't message you unless you have like subbed at one point Oh well You can check my subs We got two We got three Shut the fuck up Aha. I'm not subbed. You have previously. To suggest this was your first is not true. You successfully subscribed to Margot.

1:04:21That must have been a long-ass time ago. It was a while ago. It must have been like 17 or something. And she's very busty. Who doesn't like titties, bro? We circled back to that. Yeah. It would be cool if they did Matt, though. I'm just saying. One of them was Asian. I think that was the supposedly math one. Well, yeah. She disappointed her culture. Apple card. Bring up your Apple card for me. Okay. Oh, yeah. So this one, I racked that one up when I got the truck, unfortunately. And also, I know you said on your show to, like, un-add all your credit cards off your Apple wallet. I couldn't un-add that one.

1:05:03But all the other ones are. Well, for many people, I'd close it. The fact that you get in and out and in and out and in and out of debt constantly. That's what she said. Yeah. Kind of. That's what's concerning to me. This is like basically maxed out. Minimum is... Well, the reason it's maxed out is because they lowered... 48, 14, I think. They lowered my availability... No, 71. ...after it sat with a balance for a while. It was... The availability at one point was higher. 71 is your minimum payment. Yep. Apple Card used. Apple Card used. This was just last month. Apple Card used. Apple Card used.

1:05:38Yeah, my subscriptions. HBO Max. We definitely don't need that right now. I can't sell Max, I'm pretty sure. iCloud, that's okay. Yeah, I think it's storage. I don't remember. Okay, here we go. Interest charge, 40. I mean, this is probably like a 20%. I'm sure this is also about a couple hundred bucks. Or like a thousand or two thousand this year so far. You can see, actually. But by end of year. Oh, okay. I was going to say, you can see the interest on there. Yeah, I mean, so. That's a little bit of spending on these cards so far aren't crazy. I'm sure most of the spending is in the checking account.

1:06:11Yeah. But, I mean, every card is maxed out. I'm not seeing it. Whatever this progress is, I haven't seen yet. That's the thing. I want to see it. A lot of my, they weren't maxed out. Like the ones that you're seeing on Citi, originally they were like$10K and$7 ,500. I know, but now they're maxed out. Yeah. Because they brought it down because they don't trust you with money. $1 ,447.56 on this Freedom card. Hey, you sent a statement again. Six years to pay off. $49 minimum fee payment. Yeah. It just charged this last month$34.97. A lot of those Chase ones. Again, maxed out. Yeah, they lowered that one.

1:06:43A couple dollars off, but maxed out. Listen, the concern is, yes, I believe you can pay this off. I'm picking that up from you. I believe. I don't know by beginning of year. That doesn't make sense to me. But I believe you can pay these off. I don't necessarily believe that you will not get them again. I know. Not rag them up again. You've done this before. I've come to the conclusion because I did well on credit cards for the first. because my first one I got at 16 and I did well until I was about 19. And so I think I just, now that I live the adult life and have real bills and stuff, I think I might just have to not be a credit card person and not have them at all.

1:07:17But I would like to use them responsibly. And so what I want to do is I don't want to close them yet. I'm thinking when I pay them off, I might reintroduce one that's secured and just work that for a bit because I would really like to retrain that muscle. Use the Fiz card, Fiz card, debit card that builds credit. It works. It works the same. just doesn't let you spend more than what's in your checking account. Also get you an accounting certification through Course Careers. Not for you to change your career path or get more money. It's not about that. But when you start your own business, I want you to be able to do true legitimate business accounting.

1:07:46Well, I got a guy for that. Well, save your money at the beginning. Sure, sure, sure. So I want to make sure you're going in on the right foot. I know. And see, with that one, originally, I'm not going to lie, I went to Puerto Rico. And that's the reason I've got a balance on it. What, for a Puerto Rican baddie this time? Yeah. Actually. I'm not even going to. Dude, what are you doing? Okay, so what happened was. Let me see. Let me see what? Her. Well, no, that was a random. I don't have any pics of her. You don't know her on Instagram. I can pull up all my people. No, bro. Why do you get blocked?

1:08:20No, no, no. I never get blocked. I wasn't blocked. I wasn't blocked. I wasn't blocked. So I had gone there with the idea of it'd be cool to pull Puerto Rican baddies. And then I went there and I met with, I got these random tech bro friends I made on the front, on the plane and ended up just getting smashed with them. Huh? You ended up what? Oh, I ended up, so I was, I was flying there. I met this guy who worked at Apple and some other tech bros and they're cool as f***. And so I ended up just getting smashed with them on the beach. And then I got f***ed up and we went to like these weird prisons and s***.

1:08:51And then the next thing you know, my three days were up. So. You didn't even have sex with the Puerto Rican? No, that's what I'm saying. I didn't even, I didn't even get to link up. What is the point? If you want to land a high paying job, but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers.

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1:11:56Um, good point. Honestly, that was a really badass trip, though, I'm not going to lie. That was pretty f***ing tight because I was 18. Or no, I was 19 or 20. I don't remember. But I couldn't drink in America, but I could drink there. So it was pretty tight. Okay. But yeah, that's how I originally got that balance because I was so burnt out here at SA. and I don't know. I just feel like I needed a break and I shouldn't have done that, I know, but honestly, it really did help a lot. And then I did pay that down and then I racked it up on bullshit being behind on bills. Dude, your life is just crazy.

1:12:26Where are you putting money? And I just don't believe - I know. Listen, you had a breakup. You're a little bitter in the dating world now, but I don't believe you're going to change your lifestyle for a bit. I've been locked in, bro. I've been in that mode. I don't know, man. I don't know, man. I can lock in as well, but when I was in my goon early 20s, my goon, I mean, you'll goon. You're a gooner. I'm a real gooner? You're a gooner. You're always going to want to f***ing. You're going to spend money on dates to f***ing. Well, so here's the new ploy. Here's a new ploy. Instead of spending money on women, right, I build them a robot instead.

1:13:02Think about it. Does it give handjobs? I mean, I could. I'm just kidding. You know, it's like a whole industry right now. The handjob machines. Well, because men are pussies and losers and women are insane. So yeah, there's among the young generation, the men and women are f***ing. In your age range, women are hyper-extremists on TikTok and men are f***ing losers that just inscribe stuff on bullets. Yeah, I'm trying to, that's what I was thinking. I was like, I should pull me a MILF next. And that's like when I was looking on Tinder and s*** a little bit. I wasn't going to do it though. I was like, I should pull me a MILF.

1:13:37Pull you a MILF. Okay, a couple hundred bucks and interest is here so far. so$500 by end of year. We're talking almost like, I think we're at this point, we're at 3, 4, 5, I think like almost$5 ,500 by year's end in interest. So almost a total month of everything combined. Well, actually of your main income. Gone so far. The interest sucks ass and that's what kind of sucks with the snowball method. But I got to be honest, the snowball is very good. Why don't you avalanche? Well, because the snowball, I've tried avalanche before and that's why I tried. You don't get those wins. I don't get those wins.

1:14:07So you don't stay committed. Yeah, and that's what happened. That's why I would prefer snowball for you. I paid off like 5K of the total at the highest, and I was trying to do the avalanche, and then now I'm switching to snowball, and I'm finding it a lot better. Okay, saver, one of your small ones, yet no progress. $934.18 of the$33 monthly payment, and it is maxed out. It got maxed out because of my ex's birthday. Tell me. So, it's actually so f***ed up. That's how I got this little boo-boo. So, I had, for her birthday, she told me she wanted the boo-boos, right? And so I bought them and she saw the email of them coming in.

1:14:42So she's like, oh, no, I'm getting it for my birthday. I was like, lame. And so I was like, okay, let me get you another gift. And so those came in and I just gave her the box, right? And then she almost broke up with me because I didn't wrap it. Why? It was like two weeks before her birthday. The crazy c***head. Yeah. Yeah, she's insane, dude. Everything, there's not one thing that sounds normal. Other than she was like a seven. I was like, I don't know, man. I was down bad, I guess. But she's a really cool person. It's just, I don't know. I wish her the best. I hope things are well. We'll see.

1:15:11But yeah, and then I ended up getting her a different gift. But those, yeah, I got off stock exchange. I did pay it now. It's maxed out now. Yeah, but that was from the gift. Yeah, I know. It's crazy. Again, there will always be something to get you up there, and that's what concerns me about you more than anything. Luckily, I don't do Christmas. I'm not religious, so I don't have that holiday. Did you delete your text messages with her? With who? Her. My most recent ex? No. You want to see them? In the post show, yes. You better believe it. Dude, you're going to see some batshit shit. Exactly.

1:15:45That's why Hammer Elite is incredible. I'm not going to lie. I got crashed out a couple times. I'm sure you did. I would have as well. Crashing out's normal for humans as long as... You can see the text where she said, I feel like it's feeding your ego to talk to me. You can see that text. 140 in interest this year so far, so it'll be a couple hundred bucks. We're getting close to about 6 ,000 in interest by year's end. Amazon synchrony card. What's going on with this? Okay, so Amazon, bro, when I moved to San Antonio, best part, best part about being in the city is same day shipping. That is awesome.

1:16:15From West Texas? No, I came from East Texas. We didn't have same day. Okay. But San Antonio does because it's like a major city. $29 minimum payment, balance$487.44, 23 months to pay this off. No purchases, but I think it is, yeah, it's maxed out. It started over maxed out, actually, with an interest charge of$12.75. Yeah, I don't remember that one. Yeah, I bought a lot on Amazon, and my ex would buy stuff on my Amazon, too. It's all on there. And I bought a bed on there recently. $82 of interest this year. Adds at a 30 % rate. Yeah, it's not good. Getting closer and closer to that. $60 ,000 in interest, or$6 ,000 in interest.

1:16:59I'm not seeing progress here. Okay, so this card started at zero, but you put$251 on it. with the Freedom Flex? Yeah. I don't remember that. Great. Well, that's absolutely great. Because that one I normally keep at zero. Well, it's at 251.51 with a minimum fee payment at 40. Damn. Sip it. Oh, that's booze. Oh, yeah. Oh, good news on the vape. So I quit vaping. That's good. The ultimate big brain strap. So what I did is I went from vaping to cigarettes. Big brain. Okay, let me cook. Let me cook. Let me cook. Let me cook. Let me cook. Okay. So here's the strat. Here's the strat. Let me put you on game.

1:17:35You're vaping, right? I'm chiefing that shit day and night. I work in an office. I'm glad to do what the fuck I want. So I'm chiefing day and night. Cigarettes, I got to smoke outside. And so what I did was I had to separate out with my cigarettes. I switched cigarettes. And then Murphy's or whatever, they were doing a promo. They gave me free Zins with every pack of cigarettes. And so now I switched to Zins. And so I've been two weeks almost, no vape or smoke. When I said locking in with Zins earlier, I was making a joke. I didn't know you actually took Zins. No, stop it. I don't care. Okay. But yeah, I'm off the vapes.

1:18:08No more vapes. Wingstop went in and got some bullshit. What'd you get? From gas station. Seven bucks. Oh, wait. You said Wingstop. Circle K. Oh, Circle K? Probably a Red Bull. Okay, don't do that. Listen, here. Try one of these. Oh, I was telling them the thing. I got gamer steps. I fuck with gamer steps. It's so good. Here. There's a free sample. You guys can get free samples now. Again, with the powder, you put it in this. It's really good. No, I know. 10 % off with my link or get the free samples. Type in code Caleb. 25 cents a serving. It's like making your Red Bull at home, like making your coffee at home.

1:18:3725 cents a serving. Get the degenerate VTuber ones. They're the best ones. They are. They are. I like the blowhole one. That's mine. That's my favorite one. Yeah, that's good. It's that German chick. Yeah, I don't know who it is, but it's tropical and I like it. Yeah, I saw her at WeebCon. Well, you got more Red Bulls. Don't. There's gas. Yeah, I got to stop with the Red Bull. Sports bar, sports bar, Red Bull. Raisin canes and Red Bull. Yeah. Now, you usually pay this off every month, so I'm going to cross it out because no interest accrued this year. Yeah. Yeah, that's my good boy credit card.

1:19:09Honestly, I think what happens when I use that, most of the time I use it accidentally because I would do Apple Pay. And then it was on my Apple thing before I took them off. Whoa, what the f***? Okay, that's the end of your debt, but your checking account's weird. What's wrong with my checking? Well, we ended with$2 ,696, which is great. Oh, okay. That's good. You started with negative$394. I remember talking to Colton about this. So what happened was is I guess I forgot whenever everything was hitting at the beginning of the month. Because y 'all's statement is like in the middle of the month instead of the first.

1:19:46And I guess I just lost track and I spent too much. Because that was right around the breakup. And I sent her money so she could go drive home. And then I was dead broke. That's f***ing crazy, dude. I know. This is f***ing crazy. She didn't have any money. She had to get home. and so I sent her some money and... To negative? No, not to negative. The negative came because all my minimums hit right then and I wasn't getting paid till Friday. You can see on there, they're like all right there and then boom, I get paid. Well, before I look at this, I want to look at your Amazon. Oh, okay. Yeah, you'll see some shit that she bought as well.

1:20:18She's not on anymore, just to be clear. But, um... And then you'll see my most recent is my bed. Here you go. And you can get to my credit card from... If you go to the account and shit. Starting screen recording. We'll black out private. Oh, yeah, my fault. The Tunnel, a novel. Oh, it's a Spanish book. Mattress, you got your new mattress. Yeah, and the Tunnel is just Spanish. Multivitamin, U.S. Army Forces. Oh, that's another book. Okay. I have a lot of books. Sporting Ear Adjustable Weighted Ankle. Oh, yeah, those are from my marathon. The new AirPods. Okay, okay, the AirPods. Pencil set. That was for drawing.

1:20:52That was cheap. Dip pen. It's just like a calligraphy thing. Okay. But it's just for art. But the AirPods, I did justify. I worked almost a 100-hour week. And so what I justified it is, is if I come in a half hour early and leave a half hour late for three days, it more than pays for the AirPods. So. But you could put it towards your dad, dude. I know. It's just because I needed that reward to get through that week. And then I really wanted AirPods to be able to wear at the zoo. Neodium comp magnet. Oh, that was for a robotics project. It was magnets. Lots of birthday stuff. Cancelled, cancelled, cancelled, cancelled.

1:21:29Yeah, I ended up cancelling them. Colton said there were sex toys on here, but I don't see it. Sex toys? Oh, that's deep. You gotta find that deep. That's deep in there, my orders. I don't know. Colton knows it somehow. No, he was asking what's on there. I didn't know which ones you'd be able to see, but yeah, I had bought some. Stuffing yourself? Oh yeah, big time. I just love plugging. And again, going negative in the checking account to give our ex money. What did we do? Yeah, I know. Well, you got Red Bull. we got liquor. You get a lot of liquor. Okay, so that was, okay, I went, I'm not drinking, I'm not drinking anymore.

1:22:01I went a month, I went a month clean and I had two beers the other day. That's it. But, the reason, yeah, that was, you're seeing my depression week and I was not well and I did drink a lot. And I think, if you look at the liquor store though, I also buy my cigars there so I was smoking cigars then too. Why? Dude, you just want to, you do everything bad to yourself. I know. Red Bull. My doctor hates me. Chili's. Audible, Apple, Cash App, Slacker's, St. Mary's, Slacker's, St. Mary's, Apple Cash, Slacker's, St. Mary's, Joey's, La Perona's, Red Bull, Panda Express, Red Bull, Chipotle. Again, we could be paying down all our debt.

1:22:41By the way, you said, oh, I'm making snowball. There is no more than a minimum of the payment on any of these. So, f*** off. I mean, that's what I was expecting, but I needed to go through to see. Actually, no, that isn't what I was expecting. I was expecting maybe you did make a progress on a small card. You didn't. Red Bull, Chipotle. Red Bull, Red Bull, Hazel Sky. Red Bull, Red Bull, McDonald's, Chick-fil-A, Thirsties, Thirsties, Taco Bell, Schlotzky's, Flex, Finance. Oh, so that's when I was doing my rent and two payments. So like it would be rent on the first and rent on the 21st. Why? You make money.

1:23:16Good money. Well, because what had happened that made me do that is I had gotten hospitalized like a month before this. For what? And then I was behind. I had a seizure. That's not good. Yeah, so I have like a sleeping thing because I was just stressed and working so much. Especially in my last job, I was working like 80 to 100 hours and flying. So I was only able to sleep like three or four hours at a time, like on an average day. And it ended up causing a seizure. So I was hospitalized and I was out for like two weeks. yeah and my work was really cool about it you know they that's good but um yeah I ended up being behind on on rent and perfect tender tot walkway El Camino PayPal Apple Card well that's a payment to the Apple Card Cash App Red Bull Tacos Red Bull Crunchyroll Apple Bill McDonald's McDonald's McDonald's Whataburger all could be going to debt and we're not putting more than minimum payments on debt or simply not.

1:24:21Paying cha, Starbucks, cash app, Raising Cane, Specs, Chick-fil-A, jewelry. Specs is like a store. Wait, jewelry? Yeah. SP Hard Jewelry. SP Hard Jewelry. Oh, yeah, yeah. I didn't wear it. Yeah, I bought a ring. Great. Instead of paying off our debt, liquor, Chick-fil-A. I was down bad. Smoke and Eve, Alexa. I was down bad. Monster, Water burger Yeah for the whole month I know I was rough I was rough bro I'm not proud of it I was not I was going through it man All my homies now I was down bad Oh I'm sure I'm sure That was a really rough one And plus we were still Kind of talking For like a little bit afterwards Until she decided to ghost me Cause I really wanted her To get right Cause she was on some I know but I don't know And especially an ex Like that might not be I know it's just When you care for someone I get it I know you wanted her to try Red Bull Apple Cash Tacos, Flex Finance again.

1:25:19That's the fee for it. Amazon, Spectrum. I don't have the Flex anymore, just to be clear. And SaucePlus.com. Total overdraft fees this year so far,$170. That's insane. I honestly thought you were kind of pretty okay. Finance guy, pretty okay. Really in the niche. You're not. You're overdrafting like insane. You're not making any more than minimum payments on anything when I thought you might. You're spending a lot of money on bullsh** endlessly, and it's really bad habits, too. I know, and they were— Even if it was last month or in crash out months, I mean, you're still not making any progress.

1:25:51You're just getting liquor and doing zins and getting cigarettes. This is really bad habits. I know, I know. And that's the main thing is I'm focused on my health. What? Well, that's what I've been doing. And so, like, with the prep meals and stuff, I'm about a month into that diet, and it's been helping my bank account, too. Plus, I've lost 10 pounds. Well, that's good. Total income,$8 ,200. Well, hopefully that's good. What is? Did you lose it in a good way? I mean, I think so. I'm pretty out of shape still, but I'm working on it. $386.36 to the Jeep. Truck,$630.34. The AT &T card,$157.98. These are your minimum payments, by the way.

1:26:34Oh, yeah, yeah, yeah. $91.11 for the city. Double cash. PayPal credit,$77. $7.71 to the Apple card. Freedom card,$49. $33 for the Saver card. The Amazon card for all the dildos,$29. Your minimum payments right now, just debt,$1 ,524.79. Now, what I am going to do is you're going to put$500 immediately into the Jeep. You're going to sell it. That doesn't get rid of the minimum payment, but it is going to bring it down to about$5 ,000. Wait, what? $6 ,000. to the Jeep, right? You said you put it in$500, you sell it for eight. Oh, yeah, yeah, yeah. You put eight towards the debt that brings it to about six.

1:27:15But I can't sell it until I pay it down to the total amount. I can't get a loan for the difference because I went to a credit union and they were like, nah, not until I pay off credit cards. Okay. We might be able to look at some resources afterwards. Yeah, I'll try another, some more, but I was looking at my local credit unions. You'll set that money aside and I'll consider bringing it down to the debt. Yep. So I'll bring the Jeep debt down to six. Okay, what's your rent? $1 ,645 and then plus internet, water, stupid fees. It's like$19. Okay, I'll call it$1 ,900 total. That's expensive, by the way.

1:27:50Phone bill? Especially for San Antonio. Yeah,$165. Gas? Vroom, vroom, drive, drive. $160 a month. T-Mobile, I know, is good in this area. It's switched to helium. How much for gas again? I'm like locked in. They did something stupid. Yeah, once you're out of there. How much for gas? $160. And car insurance 330

1:28:14Okay groceries You can do 300 Follow the meal plan Follow the meal prep You can It's so easy Especially with HB We know that TP fund Anything else you need to survive 100 medical healthcare Any co-pays Medications I have a lot coming up But I'm just not going to do it for now So nothing Okay Jim I got it for free Good Oh wait My dojo for jiu-jitsu Give you$50 in subscriptions Okay, Dojo. Jujitsu is$180. Okay. Yeah. $50 for subscriptions. Anything else that needs to be in your budget that I've not put into effect? Let's say, because I know there's some room here. Let's say wiggle room for hobby.

1:28:50How much do you need? So for books, I probably spend like at least$50. Actually, what I'm going to do is give you fun$500. What? $500 books? Do you have any pets? I have three. I have two kitty cats and a dog. Ages and health. The dog's four. The smallest kitty, she's less than one. and she's going to be one in her bit. And then my other one's two. All healthy? Yep. Good. Get pet insurance. Good pet insurance. Not the shitty stuff. You had talked about lemonade. Who should I go with? I was looking around. Spot. Spot? Okay. Yeah. But look, make sure you get the right plan because that's what's hard.

1:29:23Yeah. So$150, how much for pet food? $40,$50. It's like$90 a month. Okay. Good. I get the good shit. Good. I think you can afford it. Oh, well, this rent is actually pretty high. Okay, let's see what we can do. Okay. Yeah, I mean, you still got wiggle room, but not much. I'm cutting your fund down to$250. That's my zen budget. I guess so. $5 ,199.75. Damn. You're going to bring in$8 ,200. I mean, I was going off of the gap from the$660, but you need to pull in the money. That is like the extra bonus. Okay, I'll pull in that and then... 3 ,000 hours a month. That's your leftover. Yep. Now, we have$63 ,528.18.

1:30:13I'm going to minus$7 ,500 for the Jeep. $500 of that goes to fixing it. Okay, very good. Now,$56 ,028.18 divided by this$3 ,000. You'll be debt-free in a year and a quarter. A year and a half. Yeah, my goal is debt-free by 23. That's my last point. Okay, well, you said by January. That doesn't make sense. No, no, the truck included. So I turned 22 in a couple of months. Well, if you actually follow this budget,$250 for fun, nothing more beyond that, which you blow everything on women and craziness, one and a half years, and then don't start your business until then. Okay. Because I read this book about it, and he was talking about starting a small business, like solo.

1:30:54You can if it's low and it doesn't take money away from the other things. Because you're going to quit your zoo, and that brings in money. We can't do that. Right, right, right. And so my plan was, because the business, whenever I initially started, it takes very little upfront investment from me. Because I'm doing like control work, like control panels. And so the customer will buy the parts. And so I'm just doing labor. Okay. As long as it's not taking away from the progress. It pays nutty is why I want to do it. Because like in three days, I can make like eight to 10K just from building panels.

1:31:23So that's what I would do. And I would get a fully funded emergency fund if you really want this business to be your big thing. Yeah. And I had some more questions too. is I was listening to Dave Ramsey. I had stopped investing in my Roth IRA and 401k, but I was thinking about it. The payoff is so huge on my Roth, and I have the margin. Should I keep contributing to my Roth at least? Some of these interest rates are just so substantially high. Yeah. For your IRA, I wouldn't certainly take your retirement match at work, but with the interest rates on these cards being like 30%, it doesn't make sense for the market.

1:31:54Even the best years is that, but they have to take down years too. I know, but this will compound too. Yeah, true. So I'd focus on this. Yeah, yeah. Take your matches. So take the company match. Okay. Take your matches and then we'll heavily invest. You'll have a great retirement. You just can't bounce back into this situation again. I know. All right, I'm going to look through this text. Let's get the Hammer Financial Score. I'm going to look through those girlfriend texts and then I'm going to try to call her. So join that post show. But Hammer Financial Score, spend in your budget. You spend exactly what you made so you didn't over your spend.

1:32:23I'll give you a two out of 10 for that because more of this money should go towards debt. Yeah. Debt. No collections. Pretty bad debt. Two cars, but that's about a two out of ten. Emergency funds. I didn't see a savings account. I have one. It was a thousand. Okay, one out of ten. Retirement? I have like 2 ,500 in my 401k. 21. I can give that about a five out of ten. What? Maybe. Well, at 21, because that's age dependent. I was expecting a zero for that. I thought you needed like 10. Well, at 21. Well, get on track. And I'm going to give it a three, because I want you to be on track to hit your total income.

1:32:58Yeah. Whole year's worth of income by 30 needs to be saved up. Okay. So I'll give you a three out of 10 because you're just getting started. Okay. I'll give you a two out of 10. Real estate, zero out of 10. Yeah. The more I think about how long it's going to take to get there. No, I'll get the retirement of three. Sorry. Okay. Hammer financial score rounded up to what you said from the score you took. Two out of 10. Get yours at CalebHammer.com and click that join button right now and join us for an extra 20 minutes and three premium shows posted every single day, Monday through Friday in Hammer Elite.

1:33:25I'll see you there. Okay. I'm looking through his text messages. Let's find something to juice. She got evicted and ended up moving in with me after like two months of us being together. I'm nervous. I don't know if I can handle that, bro. Come on, what is that? Strengthen your resolve and prove yourself? Be so for real. That's why I don't text. She said, are you okay with losing me? Well, that answers that. That's okay, I understand. That was after she told me she didn't want to talk anymore. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday.

1:33:58Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.

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