Pathetic Simp Drowning In Debt For Mail-Order Wife | Financial Audit

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0:33We're already engaged. She's not a U.S. citizen. That's kind of what I'm getting at. Oh, sure. How long did you guys know each other before getting engaged? Six months. Out of safety for yourself. Are you positive that this is for good intentions? I just want to be protective. Yeah, and also comes with a lot of complications too because now I have to spend$5 ,000 on immigration papers. Did you get a ring? It was$2 ,500. It was while we were on vacation. Vacation? I had to borrow$1 ,600 just to afford to go to that vacation. Hi, my name is Mason. I'm 29 years old. I'm based out of Boundary View, California, and this is Financial Audit.

1:11Oh, we're the same age, and we have curly hair and glasses. The whole comment section is going to be like, oh, it's another Caleb twin in the Caleb verse. Okay, well, okay. Or as Noah says, the Ozempic version of Caleb. Yes, my producer. So, yeah. Ozempic. What do you do for a living in California? I actually work at a EV infrastructure. Tesla? No, no, no. No, I don't work at Tesla. I work at an EV integrator. They are a competitor to Tesla. What do you do? What's your job? I work as a R &D engineer. It's kind of what I do there. Sounds like money. What are you making? I make no money, which is why I work there.

1:53So I only make$80 ,000 a year. What the fuck are you talking about? I make no money. okay but yeah well but that doesn't the the rent there is like money the rent's like 2000 what town mountain view okay yeah it's expensive it's like yeah it's like two thousand dollars a month it's like half my paycheck oh three thousand dollars a month well how much are you contributing to like retirement i i don't say i don't even know i don't i don't look at any of those maybe you don't know you had to have set it up and i chosen the amount i just click through buttons I really don't know well I can't get into your retirement account so I wouldn't know why was payroll in only 2115 yeah why?

2:37that's not your payroll it is 80 ,000 hours now yeah after taxes and fees yeah that is that means you're contributing like an insane amount to like your 401k or something I I don't know that's why you feel like you make did you give us your 401k statement i don't even know how to get it are you like a hopeless child we're the same age i sometimes i guess that's funny i don't i don't right if i think about it then i would look at it but why would i if i if it's just well done automatically then there's probably the think about a stage would be when we asked you for documents yeah yeah okay all right so no offense but what the buddy in no way shape or form are your taxes going down from 80 000 a year to 25 000 a year you're not in the top tax bracket top tax bracket after everything in california and federal that's like 50 sure but you're not in the tax top bracket I get paid every two weeks not every month so that's it would be more like what 48 I think everyone else gets paid I just I feel like it's not$20 ,000 I feel like it's a little bit more than that but you just

4:08you just told me that the$2 ,115 that came in was correct yes that is what comes in that equals 25 000 hours a year buddy so which one is it is that wrong or is that correct it's i i think you're doing your math to monthly pay isn't it this is what came in in the last month payroll that's how i'm asking how that's realistic that's what came in in payroll the last month i uh i have no idea like i i just don't account on a monthly basis buddy buddy why is your account on a monthly basis i on a monthly basis i i expect four thousand dollars okay a paycheck not a month yeah that's paycheck yes okay okay it's okay it's okay i'm just i'm just literally just trying to figure out baseline yeah okay now that can be a bit more reasonable you know we're talking maybe 50 000 hours a year yeah still don't think your taxes would get you to that But after health insurance, maybe you're doing some HSA and maybe a decent amount to 401k, math could start mathing.

5:26Now, here's my question. You said I'm making no money for the area, which, again,$80 ,000 does not go as much there. Absolutely not. Don't get me wrong. I'm not trying to say it does. but if you feel like the money that's hitting your account why don't you look into where it's going i honestly don't ever look at my accounts i just swipe the card and then i keep cash if it gets declined no the pay the pay in your account i don't look i just don't no no no i'm sorry i don't i don't i don't i don't sorry i don't mean these accounts okay i mean your pay like your girl like pay stubs like where the money do you could you get could you get access to a pay stub for me yeah i can get access to pay stubs yeah those are on a platform that i have access to that you have access to right now yes you pull it up right now oh yeah okay i can show you my oh yeah okay that's a that's my last paycheck thank you for pulling this up so quickly you only have 12 battery if you need so this was just this was one one yeah okay very good uh very very very very very good

6:45so we had taxes at 27 okay but we had post-tax deductions at 7.7 percent there we go things are making a little more sense also it's a little more than you suggested so is this an average check would you say all right i'll be an average check okay so you're actually walking away with four thousand five hundred sixty four dollars a month and after that post-tax deduction you know ranging close to that 10 things are starting to make more sense okay i wish i had a little more insights into specifically where everything went but that's that's okay all right buds oh my god you know i feel like we haven't even like started this conversation but we've figured out the baseline it's always an interesting one when we talk about the pay and somehow that lasts like seven minutes but we got there together that's all that matters i'm sure we twins twins i'm sure what's up buddy what's going on uh yeah so currently uh i have a lot of debt and uh i am currently living out of my leased car i just threw a mad least car and just okay yeah yeah you're currently homeless yeah currently homeless okay yeah i'm sorry that yep it's okay i mean i'm well how long have you been it's only like a it's only been like three weeks wow what happened three weeks ago uh so what happened three weeks ago is the um guys whose room i was renting out uh he ended up selling his property and kicked me out and because i have no saved money i couldn't even afford a down payment for another place oh so what what was your rent at that time uh the The rent at that time was$1 ,400 a month.

8:40That's including utilities. Okay. So with that, I know you had debt, but in what way you're managing your finances in a way with that$1 ,400, which is substantial for your post-tax income. Again, we need to look at those deductions. But in what way were you not saving any money? Like, how are you living? Because I've been trying to put a little extra towards the credit cards. yeah so i like so if the credit card says oh it's 200 a month i would be like okay 250 if it said it was like 178 i would be like okay 200 uh so like i i really don't know how much that he goes out to as i don't really look too hard at my balances or where stuff goes i just kind of like no stuff goes places is all of mountain view pretty safe for their dangerous areas no most of it's really safe okay well good news then i am seeing some places for like two thousand dollars that are one bedroom yeah um now yes you know you have to pay for a background check sometimes application fees security deposits sometimes first month last month you know things like that here's 1.9 000 that's right off a highway so it's a little noisier probably but it is there and it actually looks pretty nice inside like 2 000 still like half my entire paycheck i get that i get that it's too much it yes i get that which is what i was saying what we have to do is if about 10 percent are going to you know retirement accounts you might need that 10 right now but what isn't like the whole thing supposed to be that you're supposed to put as much as you can towards your your uh retirement income quiz pop quiz i'm sure are you homeless yes oh that's interesting yeah i think we solved that i i have a place to sleep in your car that's not necessarily safe though man that's not necessarily safe and you know if a freak winter storm happens and like for some reason you don't have gas like people have gotten in trouble when they live in their car in those type of situations of course that's a rarity but even still break-ins and different things you know showering is more or less convenient it's harder to live even even though you're saving money on rent yes it's harder to save money on these other things you're going to be eating less healthy your sanitation is going to be less healthy there's a lot of downsides and again just basic safety as well so what your plan is to live in a car until you're 59 and a half and you can start taking money out of your tax advantage retirement accounts i i was planning on living in my car until at least i feel like i have a better handling on my situation now why do you have to live in an expensive place like this with your background it seems like you might be able to get a good job clearly you're not from there you have uh a shirt on from the land of corn so yeah i i am i am why do you have to live in one of the most expensive cities in the world it's uh because i actually never went to college so uh but have you but have you built up the experience now on the resume i guess yeah you could say i built up the experience on the resume but i don't i just feels like it's it's so hard to show that when most places are expecting throwing your resume through an ai and be like yes unless you say bachelor's we're not even going to look at your resume.

11:51They don't care you have four years of experience being an integration engineer for a company that does millions in revenue. Yeah, it's certainly complicated. It really depends on the industry and it depends on the job market. There is a certain threshold where two recruiters and two certain jobs that a certain amount of experience will essentially negate the education thing that's there. Because you know bachelor's degree was 20 years ago and you know you have like 20 years of senior level experience you know that's what's going to take the priority there's a certain level it's not like there's a perfect math behind it and where that threshold hits on some bell curve but you know i would be curious to see like what does your resume look like is it horrible is this um and honestly i'm not saying to lie

12:41but who checks that your college degree don't yeah but we're not saying we're gonna yeah exactly they don't i know because clearly this is not working for you to be there this job is not enough for you to live there in your current situation with the mess you've gotten yourself in while also trying to contribute as much as you are to retirement accounts this is not working flat out or you're just gonna need to get on a roommate website there's that option as well i obviously haven't done that you know i'm just looking at you renting your own one bedroom one bath but you know maybe you're renting uh a bedroom with a shared bath at a place with like four other dudes or something you know what it's four people that's crazy you're living in a car shut the fuck i i don't know yeah i mean fair it's sure that's fair but still like i don't know I've never lived with other dudes.

13:33I lived with two other people before in my old living situation. But it was kind of like separate. It wasn't. Yeah, you would get your own room, but you might share a bathroom. The sharing of the kitchen is the hardest part. That depends on who you live with. Maybe. I recently discovered I was still paying for a subscription I hadn't used in months. And trust me, I was mad as hell. Cause I hate them digital taquitos, ladies and gentlemen. But today's sponsor, Rocket Money, is here to help. This app is a game changer for anyone looking to get a grip on their finances. Whether it's canceling unwanted subscriptions, like the ones you and I forget about, or setting up a budget that actually works.

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14:47I've had many different roommates. It depends on who you live with. Oh my gosh, do you get to be that picky when you're literally homeless? laugh it off yes yes but do you get to be that picky uh i mean that's fair but i i don't know i i made the choice i figured like i could do it so you want to well i i feel like i don't really have very many options so i feel like that the best option for me is just to stay homeless and just use the facilities you've been in mountain view me um i've been in mountain view for two years okay so what has the living situation been throughout then all right yeah so uh originally i had moved to california uh and to be with um my then ex and uh we ended up getting a place together and so uh we uh i paid for most of the stuff so i paid for the um the initial move in um i paid for most of the furniture i paid for everything else uh and then uh paid for some cats that is basically entirely on a piece yeah a whole totally on a credit card but paid for that pay for the cats and then she ended up uh kicking me out uh to be with somebody else because uh i didn't do enough for her or something but uh tongue skills aren't on point that's inappropriate that's inappropriate we don't make those kind of jokes i make those kind of jokes okay what but what does that actually mean in all serious like it means that uh there was at least 12 000 in debt at that point in time and that is you not doing enough for her yeah that was yeah i mean i can't she saw you as someone who wasn't contributing in a way and may not have the future that she's looking for that's not an unreasonable reason to break up with someone necessarily yeah like i i'm not saying you're this person but i wouldn't want to be a person with someone that doesn't have any kind of you know ambition if they are kind of like stagnant in life again not saying that's you but i can kind of like correlate to if you're seeing someone who's in a lot of death they're not really getting out of death they're not really having the discipline in the future to get out of it is that who i want to lock myself down to now kicking you out that's different but especially to bring in someone else right away that's certainly different like i would want to give you a like you know but the thing is is like the debt was not it wasn't there before it was there because we decided to move yeah yeah right all of all 12 000 yeah it's expensive yeah okay well that's certainly not pet fees no it wasn't all like it was like a four thousand dollar bed uh there was like a twelve hundred dollar tv machines okay yeah there was a 500 nightstand not nightstand tv stand uh the couch was like she specifically brought up the debt as the reason to break up and kick you out no she didn't bring up the debt she just said that we weren't going anywhere oh then maybe you weren't going anywhere buddy what how do you bring okay but like it wasn't like i wasn't doing anything we just said you guys weren't going anywhere maybe the thing is like she She didn't like you anymore.

18:01But the thing is, she's not entitled to like you. That was two months after we moved in. No, that's... Trust me, I'm not saying she's right for the kick out. But if someone's not feeling it, they're allowed to break up. Of course. No, no, no. I understand that. I'm not... But the kick out, that kind of sucks. How quick was the turnaround between get the fuck out and you had to get the fuck out? It was basically like a week. It was like, oh, hey, this new guy's coming over now. there's new guys coming over that's fishy yeah i i know so then you had to like scramble and yeah i had to scramble and find a place yep and uh i got i got lucky there's just some some rich guy was like i have a room available i'm like okay sure well speaking of rooms available we've done the research now on the roommate site if you go to roomies.com slash rooms slash mountain view california lots of options under uh 1 200 a month and a few options under a thousand dollars a month you can do that you just need to be a little humble and accept that you can live in a place where other people use the kitchen besides yourself i mean okay yeah i could i i could i could live in a place with somebody else for a thousand dollars a month versus staying in my car i don't want to but i could have you found a new girlfriend yet to live together in that area yeah so uh i actually did meet somebody else um oh good okay yeah uh within the last year uh she is actually she was a uh foreign aid teacher that they um gave a visa to to basically support teaching in the area for a year uh so she's not a u.s citizen that's kind of what i'm getting at oh sure okay uh okay so but uh we're already engaged and we're uh so i got it on like uh oh you're engaged yeah she had to go so she still has to go what visa was she here uh j1 j1 okay yeah and in china she's here no no she's already gone back back in july 10th where back to china to finish her master's because she still has another year of master's you met her in person i met her in person yeah yeah when she was because she was teaching here in america how long did you guys know each other before getting engaged um six months okay uh i just i mean you know i just want to just out of safety for yourself are you are you sure 100 positive that this is you know for good intentions i just want to be protective yeah that's always the first question everyone asks i know and i feel rude for asking i really do and it's i i understand where it's coming from uh yes i we are i am sure because the original discussion was like i have to go to china okay but the problem is that uh their restrictions on being able to immigrate to china is a lot yeah that's why the really really is collapsing yes it's really stringent like you have to have you know a bachelor's you have to have four scientific papers written you have to be 15 plus work experience right no that country is destroying themselves yeah so uh so the other the only other conversation we were able to have was well maybe you have to come to america right but then that also comes with a lot of complications too because now i have to spend five thousand dollars at least on immigration papers not including potential lawyer fees when you when she's here you guys gonna live together is that gonna solve the living problem she's gonna bring an income that's the hope when is she coming uh so that depends on the lawyer situation because her j1 visa requires a two-year all right two-year and then she can come and then she can come but oh me so we got to figure out your situation i don't give a about that then no offense that's too far away i need to figure out you now we got to jump into these finances we've been talking about setting you up now for a bit self-assessment before we jump into this first debt where do you think you are on a financial scale zero being the worst 10 being the best oh uh i would say two okay don't you want your hammer financial score it's free link in the description below if you have any interesting situations any financial situations that you need help with and opinions you want challenged feel free to come join me on the show go to calebhammer.com slash apply so u.s bank yeah now that's an american bank that's a bank of freedom you owe

22:40$3 ,793.77 and these minimum monthly payments you and your situation without having any money left over $123 these minimum monthly payments are going to stack yeah that's only one of the US bank cards why the why buddy you don't have rent anymore so your expenses are a little lower Why the possible f*** are you purchasing$108.53 on this card that is accruing$82 in interest that you're basically just making the minimums on slightly above? But why? Why are we purchasing? The balance went up. Oh, okay. Balance went slightly lower. Even though you put$200 towards this because you got a payment credit, that's the only thing that saved you.

23:23It went down just a little. It went down. Just a little, even though you put$200 towards it because you're purchasing on it. Why are you purchasing on a car that you cannot pay off that is accruing$82.64 of interest? And what kind of behavior is that? It's probably I needed food. So this is the situation that you align yourself in now. Because you do not have a place to live. Because you're not willing to get a roommate because you're a child. I'm not a child. Well, adults, sacrifice and get roommates. That's why I'm sacrificing and living in my car. No, buddy, but that's not an acceptable option.

23:59That puts you in danger. That is not what an adult doesn't put themselves in danger. I don't see it as being putting myself in danger. Well, I don't give a shit what you see. That doesn't matter. That's not safe. And also, it's unproductive to a lot of parts of life. Again, now you have to shove likely less than healthy food in you. You always have to figure out where you're going to put your car. Sanitation is a completely different story. You've got to stop somewhere just to take a shit. And you've got to brush your teeth somewhere and shower. and figure it out yes acting like a child is not willing to share a kitchen with someone that is being a child i don't care if you're offended by that people are willing to share kitchens i've had to deal with really bad roommates yes bad roommates suck yeah you would get the f*** out of people you'd be going to lunch with them a few times there is a lot of things i've had a bad roommate and i've had plenty of good roommates good roommates can be good you might be make lifetime friends with them buddy i know a bad experience like that might turn you off from it and i do get that getting over that hump might be difficult but it is something worth at least talking to people about fair a thousand dollars we found places for a thousand dollars where you could rent a room with people looking to rent a room yeah so well you're paying for parking i don't think we're shocked they're auto parts so we're getting things for your home i guess i don't even remember what that's for show place icon uh movies that's not that's not i need food that's not getting food you can't afford to the movie go to the movies you can't if you can't afford to have a roof over your head but there's some movies i like going out and watching but it's not i understand it's a luxury but it's like i don't do it very often how do you justify doing it all the basic things that you have to take care of just as a human being for just any sort of decency there's also i i can't say this for a fact because it's going to determine on the person-to-person basis but a lot of people lose their sense of humanity when they find themselves in homeless situations, which you are.

26:17I know you consider your car that right now. You've only been doing it for two weeks, but I don't want you to lose that either. And no offense. Actually, I don't give a shit. A movie's not more important than your humanity. It's not. Okay? Starbucks? Coffee. I know! You said it's just getting food! It's not just getting food. If it was just getting food because you have nowhere to make food, that would be different. You're getting movies. You're getting auto parts that you might need to get. And you're getting coffee. No. Child. When I said child, this is what it means. And then Wingstop for$22, you could get cheaper food if you have to survive.

27:00Get a sub for like five bucks. Or get a cooler. Or get a thermos. What do you want for yourself, buddy? what do you want for yourself you seem content you come here you want you you want help but you seem content i live in my car and it's okay what do you want what are you trying to get what do you want to do i would ideally want to help a little bit within my situation like if i felt like i could afford to do more i would do more i just feel like i can't feelings not a that's not reality that's not reality i get panic attacks a lot that's a feeling it's not reality my body's telling me that something bad's happening but nothing is i don't give a shit if you feel like you can't afford anything mathematically if you're willing to share a kitchen with somebody you can afford it with your four thousand whatever dollars you know three thousand seven hundred ninety three it's you know about let's say you do a thousand two hundred which there were tons of options for.

28:05Tons of options. And we can send you the link for after your contributions because you'd rather contribute to retirement than have a roof over your head. We can still get you to spending 31 % of your income. 31%, which I will accept on rent to get a roof over your head. I don't care what you feel. That's math. That's reality. That's the world you actually live in, regardless of what you feel. This is a real good story about Bronx and his dad, Ryan, real United Airlines customers. We were returning home and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew.

28:37I got to sit in the driver's seat. I grew up in an aviation family and seeing Bronx kind of reminded me of myself when I was that age. That's Andrew, a real united pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. You're an engineer. You live in the world of science and reality. Numbers are important. are they not yeah they are so this you're just choosing to be ignorant which isn't ignorance then you're just choosing to be oblivious yeah i wouldn't call it ignorance yeah because you know i do know yeah that's yeah you're obviously not a credit card person i'd use a charge card more like fizz helps build credit but you have to pay it off you're just not disciplined to be able to handle these unlimited amounts of money to spend without having to pay it off you're just not okay we have a line of credit this must be your checking account credit union yeah I had a late charges you don't even spend money on rent anymore okay you're choosing a movie theater over rent but now you're choosing a movie theater over literally just paying your minimums I will come back to the word child again because that's what a child chooses going and watching Thanos kick someone's ass is not more important than paying your minimum fee payments.

30:07I'm seeing Deadpool this Sunday. I'm very excited. I can't wait. It's going to be a good time. I can afford it because I'm paying my payments. I want to actually go see Deadpool. Yeah. Congratulations. Make your payment. Yeah. That's my plan actually is to go see it later. Today. What? Yeah. Later today. I was going to watch that movie. you don't give a I do no you don't oh don't do that no you don't what a joke no you don't you're willing to just go have these luxuries instead of literally pay a bill on time you don't care you wouldn't be going and doing it today if you cared after having a conversation with me uh if it makes you is that the reserve line of credit that's there or is that what were you gonna say i was gonna say i actually use that uh to uh cover not paying for the other credit card on that account sometimes huh so the if there's not enough funds on my account in that credit union right the reserve gets pulled first because it's going to go negative so it's supposed to catch that yeah and then you're not even paying your reserve minimum payment yeah so that doesn't mean anything yeah yeah that makes me feel so much better and good job addressing the and laugh all you want but good job addressing the fact that you're gonna go around and have a luxury instead of just literally taking the care of the minimum thing in your life you don't even have a response to it i not really what are we doing here man this is like the most disappointed i've been in a long time and i'm sorry i don't want to make you feel bad but so much of this is just your choice if you were homeless outside of your own choice i would have so much more sympathy but you just literally will not share a kitchen with someone instead of paying your minimum payments on your bills that are protecting you from overdrafts and don't get me wrong there are overdrafts coming spoiler alert but you go to see deadpool and then two other movies spending upwards of$100 this past month at movie theaters.

32:23What are we doing? That's why I'm disappointed. That's why I'm having a hard time bringing sympathy right now because you're doing that. The ex-girlfriend thing? Yes, that was beyond your control. I'll feel sympathy about that. That was also a year and a half ago or whatever. So it's like, okay, that's not now. Right now you're choosing this. So new wifey is going to be coming over. she's gonna be coming over to uh when she wants to cuddle in the living room she's cuddling in your trunk no that's hilarious no that's not what i was planning i was planning on like you know paying some of this down to be able to yeah afford by missing your payments for going to the movies to be able to afford to uh get a place for us i don't know what the normal minimum payment is it's 55 now but there's a past due i think that just got added to the balance of course there's interest occurring it's 518.71 cents is owed now 500 credit limit so guess what if you have less money it's not gonna pull from this they're above your credit limit yeah 55 when she was when was the last time she was here uh she was here july 10th is when she had to go back so she just how did you guys live together uh because it was before july uh we hadn't i had my uh old um living situation and then the last month of july i spent 600 bucks on a hotel for a week if right before she went back 600 for a week of living when we now know if you spend an additional four hundred dollars you get four weeks of living what are we doing well at the time what i was doing is i was like oh a place to rent is 1800 bucks a month and then the hotel was only like 73 a day so it's like the same price i'm like i can deal with that how are you guys doing this wedding you're not going to try to have like a wedding wedding are you uh i haven't really a a ring i got a ring yeah it was please tell me this was like a pop ring no it was uh 2500 bucks uh and uh it was while we were on vacation and i technically vacation how are you and i had to borrow 1600 from my friend just to afford to go down to that vacation oh when um back in March maybe June or March Yeah, earlier this year I don't remember exactly when it was Real talk man, legitimately real talk Not even For the episode Or not even for whatever, this can be on camera This can be off camera, whatever This is This is terrifying I don't think you understand how bad this is You are really Walking yourself into the Fiery pits of just death you have no idea how bad this is what you are doing right now and just borrowing every cent of your life to do i don't know man this i don't think you realize how bad this is this is one of the worst overall situations even though we haven't looked at like payday loans or anything like that this is one of the worst things i've ever seen you cannot be doing this you cannot be doing this all right to be fair the money i borrowed from my friend was guaranteed to come back to me through my company okay so you're just borrowing a future paycheck you took out a payday kind of yeah i i it was different than a payday loan because it was more like it was like an equipment buddy it was more than what a month of the rent would have cost on the what we just what what the site has dozens and dozens of options yeah so i don't give a shit what was the vacation to uh it was to la all right let's keep filming oh la okay i i feel actually kind of like gross like you know when you just kind of feel like a little sick do you ever get that when you like maybe eat a meal it's a little too naughty you just kind of feel you just get a sense of sickness yeah yeah i feel that through this this this grosses me out why are you kidding me you don't understand what you're doing to your life the wedding ring borrowing from your friend a future paycheck not being able to live with someone because they use the kitchen?

36:47I don't know.

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38:01And snag 50 % off add-ons as well. Scan the QR code on screen or click the link in the description below and check out Geology today. your skin deserves it okay amazon this amazon card the amazon's the last thing i need you to where could they even deliver for you i used to have a place i know then you chose not to get one and didn't use the extra money that you're saving on that to actually do any progress great you know 1415 70 cents the 47 dollar minimum payment

38:39Oh, wonderful. Wonderful. Oh, we're making so many good choices in life. We're making so many good choices. You're purchasing an extra$117.43. That was a gift for my mom? Oh, wonderful. Wonderful. Yeah, her son's homeless. I don't think you're getting a gift for her. For f*** sake. $33.50 of interest is accruing. Are you kidding me? Gift. Gift. Gift. Three different purchases. Just like you told me with the last card. Oh, I'm just going and getting my meal so I can eat. Movie theater and all the other sh**. No. Here. Oh, I'm just getting a gift. Three different purchases. U.S. Bank credit card.

39:24It says that you do not give a sh**. That's what's pissing me off. That's why I'm really mad right now. I'm sad and disappointed for your life, but I'm pissed that you don't give a sh**. $3 ,482 owed on this one and 19 cents. I have not been this man in a very long time. $133. Thank you for not purchasing anything. Oh, but you're... Oh, okay, no. You're approaching your credit limit. It's probably because I don't use that card very much, so it's just... Yeah, I don't think you're using any card. Sorry for interrupting you, but I don't think you're using any card. That's okay. Let's keep going.

40:02uh a visa through some credit all this balance is insane it's basically after credit this is what have you done what have you that's the card i all right not only but most of that balance is from my cats that i have since gotten rid of what what what ten thousand dollar cat do you have uh i had two cats and it was 600 bucks every two weeks for the first six months and then the one cat had to get eye surgery. What do you mean? For what? Is there shots and stuff? I don't know. Wait, how many months? For the first six months of their... Every month for the first six months? Every two weeks for the first six months.

40:46Jake, you have a thousand cats. Is that how it works? No, apparently that's insane. For dogs, it was like three rounds of shots when I got mine. What are you talking about? That's what I was... Why don't you adopt from a shelter that does the shots? And usually does like free community shots as well. You couldn't afford this. That's so irresponsible and unfair to the cats. I've since gotten rid of them because I can't afford them. Great. Yeah. That's even more traumatic. Yeah. But I was already, I already paid for everything for him. But I don't know. I really don't understand the every other week for six months thing.

41:21I have not heard of that. That's what the vet that I took him to. Were they sick? Was this, were they getting shots for something specific? A disease? No, no. it was just generic shots. The only extra expense that I got from the cat was the$2 ,000. What did you get them from? Where'd you adopt them from? Oh, I adopted them from a from a rescue shelter. So they're already spayed and neutered. So I didn't have to pay for that at least. Really? The rescue centers out there. Yeah, the when I returned the cats to the shelter, the the person who's in charge of the shelter was all like, I don't blame you for getting the kittens.

41:56They're kittens. Yep. She's like, I don't blame you for giving them back because you were pretty much scammed by your vet is what she told me oh why didn't you start with that why don't you start with that why don't you okay so either way ten thousand dollars um is that math adding up even still no there's that's not all of it that's probably about six thousand to seven thousand dollars of that was from the cats uh because the other one was a previous balance that was just on there get the rabies vaccination once and then you get that I think every year oh two oh wait no no once if they're an indoor cat and then you get the initial vaccines which are in four rounds so what you just said does not add up in any way it sounds like you needed five different rounds potentially if they're an outdoor cat a couple extra two extra doses of the FELV vaccine yeah feline immune virus vaccine yeah which even still i mean that does not bring you to the 12 rounds that you did yeah i said the uh i understand that now because you know i i was i told the um the shelter when i gave it back to him that like i just can't afford him they're like there's no reason why you can't afford them okay so you already did it then why didn't you keep them well obviously i'm glad you did yeah that's because they're also don't know how this added up to ten thousand dollars it was literally only cats no no it's not only cats there was probably an existing balance of like four thousand dollars prior maybe three thousand dollars prior to that um why didn't you have pet insurance there's deductibles you can hit i wasn't aware pet insurance was a thing at the time it was insurance for everything uh i'm sure there is i just wasn't aware that it was um a thing okay uuw credit union no here we owe nine thousand eight hundred fifty one dollars and sixty three cents with a hundred and ninety seven dollar minimum payment yeah these minimum payments have uh and uh you know they're adding up i do put more towards the minimum monthly what i noticed is you put just a little more towards most of them just a little more yeah but then you go and purchase and ruin them but you didn't on this what is the purpose of putting just a little more on them across the board instead of focusing on one uh because when i look at it times on this show so so what i what i'm doing right is i see that and so they're like okay well here's the minimum monthly right it's like um 123 and then you go and they're like now your percentage um apr or whatever now you're now we're gonna take 120 and add it to your balance and now you're only paying three dollars a month i get that but again this isn't a debt payoff strategy that really anyone recommends it's either pay off the smallest balance while making the minimum with your payments on everything else so that you start you know snowballing the debts and collect the minimum payments that traditionally go towards them and put them towards the next step that's called the snowball method or the avalanche method where you're attacking the highest interest rate debt while paying the minimum payments on everything else you attack one at a time those are both the debt payoff strategies that people recommend no one recommends pay a little more across the board because you're not making progress you're not releasing yourself from the highest interest rate one quicker you're not releasing yourself from the lowest balance one quicker to collect the minimum monthly payment there you're not doing anything to make progress towards anything helpful for the overall payoff journey yeah i i'm not mad at you for that but i do want to correct that behavior yeah i i realized that and that's kind of like um one of the reasons i kind of like reached out a bit because i realized that i don't know what i'm doing and i'm just making it worse yeah well yeah if you if you purchase on your debts it makes it worse you're not a credit card person i want you to have credit so you can get an apartment and but i mean you have other loans i'd close your credit accounts you just can't be trusted to have access to credit you can't be you can't be we need to improve your income situation as well uh not not your income but like the income versus the cost of living or your retirement thing gosh if you could move okay well i don't know that's not gonna be you never got your bachelor's degree that's fine i'm always able to gift you tech certifications through course careers but for what you're looking to do you know i think that applies to most people but maybe not you.

46:31Okay. We'll talk. We'll think. I'm trying to have a little brainstorm. That's at 18%. Yeah, it's actually one of the lower ones. BJ's Wholesale Club makes holiday hosting so easy, we called in Thanksgiving's original host to talk about it. Pilgrim here. We could have used BJ's back in the day. Imagine stepping off a boat, then foraging for your first Thanksgiving. It's a whole new world now. BJ's brings Thanksgiving right to your door with free same-day delivery on your first order of$100 or more. We're talking turkey, squash, pies, all at prices so good they'll knock the buckle right off your hat.

47:05For terms, visit bjs.com slash Thanksgiving and get the same great savings online as in Club. It's a little bit nicer. Okay, so we have a Hyundai. Yeah, that's another beast. Huh? Yeah, so it's another beast. Oh, the balance? Is that what you mean? No, the balance, it's the returning the car is going to be the problem because... Returning? Yeah, because it's a lease, right? So I have to return it. I forgot we haven't had someone with a lease in forever. And so the problem I'm having right now is that the original lease was for 3 ,000, or sorry, 32 ,000 miles. And it's currently sitting... Across the term?

47:50Across the term. I'm currently sitting at... What was the lease length? uh 36 months okay but i'm currently sitting at uh 38 000 and there's like how much longer is left uh october this month or this year sorry october this year okay what's your cost per mile yeah see the problem is it's like 1500 per thousand miles or i think it's either for per thousand or per 3 000 miles additionally how many miles over are you uh i'm currently 6 000 miles over so it's at least wait how many miles did you say you're at that you used uh it's three three sorry 30 38 ,000. And how many miles were you allowed to?

48:2832 ,000. Oh. Yeah. Okay. So you think about 1 ,500 bucks? Or 3 ,000 depending on how the. How much more you use from now to then? Yeah. Oh, man. Yeah, leases are. And what are you going to do about your car situation, which is your living situation in October? I so the two options I was thinking about doing was extending the lease for a little bit longer which would basically just force me to pay essentially what it would be like eight thousand dollars a month what is the current value or at the perceived value at the beginning of the lease where it said the value would be at the end I'm unsure how extending leases work would it be an extension or would you be redoing at least yeah i don't know the the other option is yeah the other option is to buy the car for 26 000 so that's what they valued it being at the beginning yeah at the end of your lease now that's what i'm wondering if they calculate the new lease off of that or if they reassess the price um yeah and then so the option is to buy it at that break so you're getting kicked out of your house again yeah okay yeah that's all right uh no it's not but the yeah and then hoping that the uh the hope is that the dealership will buy it back for a reasonable amount that is less than what i would end up owing after returning the car if i do end up buying it or hoping that they can extend it yeah i'm curious what the private market of value is.

50:17Okay, they're going to do it. What's the condition of the car? It's used. What's the condition of the car? It's pretty good. There's some scratches on the inside. Yeah, because the tools and stuff I just carry for work inside of it. 38 ,000. how many miles do you think you're gonna put on it doesn't matter okay we're gonna figure that out i'm curious yeah you might have to redo yeah but this is 521 a month i mean it's a lot add these all together these are what's you why do you feel like you can't afford rent 521 a month 197 a month 133 a month 47 a month 55 a month 123 a month no like you can't afford month rent you put everything in your life on debt and now you owe the minimum monthly payments of it.

51:09And you're going to owe $1 ,500 to$3 ,000 for the extra miles. This just keeps going, man. This is just like a rabbit hole of debt, I swear.