Professional Victim Is Pathetic | Financial Audit

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1:05Yeah, we were. Well, you know how this works. They're going to sell it for what they can and then you still owe the rest. Yeah, dude, this doesn't go away. That's actually news to me. The bar that you have to cross is so low. I think I'm just scared of, I don't know. Work? I guess so. Pay your bills like an adult! My name is Isabella. I'm 21. I'm from Houston, Texas. And this is Financial Audit. so what do you do for a living in houston uh okay right now i work front desk at a pure bar pure bar yeah it's a fitness studio um mostly for like it's a bar yeah like a ballet bar how you like hold the bar and yeah but it's not even oh okay it's really but you do the you do that yeah i just kind of i just work front desk i don't i don't teach anything cool yeah okay and how much are we making doing that job twelve dollars an hour and i work about like 15 hours a week maybe maybe so how are you i mean that's this explains the first document um okay well we'll get into that in a second how are you surviving on that i'm not i'm really not and what are you doing um like what are we doing in general and like what is happening okay well i most of that money kind of just goes to food i don't pay for groceries most of the time i pay for like picking up groceries or like if we need like something in the house but my mom mostly pays for groceries whenever we go okay so you live with your mom yeah i live with my mom and my brother this your car is a hundred days delinquent yeah how'd you even so so like you're not even paying but remind me your hourly rate because i didn't write it down uh 12 bucks an hour okay first of all that has to be pretty low for the houston area in general because even like i just looked up the median like i gathered a bunch of information for the austin area i know austin's you know a little more expensive uh the the pay is a little higher here but the median of all the lowest wages i could find in austin was like 19 bucks an hour for like the you know mcdonald's and cilantro and places that are just like food service right that was the median lowest you know a couple be lower a couple be higher median 12 hours an hour okay it's because you wanted to work in this industry or else if you could be making 15 16 17 18 yeah doing something and more than 15 hours a week and your car is 100 days delinquent yeah this is gonna be taken from like any time it did on the 4th of july okay how'd you even get here uh yeah yeah oh your friends that's why they're here because your friends okay so your car's repoed right now yeah and i can't afford to get out of the repo because it was like it was i think june was the fourth month plus is it the payment that is due here to get it back um or have they come to some kind of agreement there was some i wasn't even there for the phone call my mom called them and they told her because you're not an adult yeah well you can't be on the phone call for your own i didn't even let your mom take care i didn't even know she called them yet honestly until she let me know when i woke up the next day and my car was or when we woke up on the fifth because no one was open why aren't you paying your payment why haven't you been working why haven't you been bringing in money why haven't you been doing any basic responsibilities you took out the loan right i honestly when we got the car i thought it was gonna be like a-okay and my mom was like oh just give me like a hundred bucks every month and like that'll be like your payment yeah wait what what are you talking about why would it go to your mom my mom co-signed on the car but what would you give money to her and then she makes the rest or something yeah that's that was like our agreement not very well how many of you had this when did you get the car in 2022 september i was after two years you did it yeah so almost what is happening now i feel like we were behind like the whole time and it was just a game of catch what is this car it's a it's a 2020 nissan ultima nissan ultimas oh that was one of my first cars yeah this is only my second car so i feel like i'm doing okay for like what the f*** are you talking about doing okay you just got your second car repo yeah that's hilarious well my first car was wrecked so i had to get the second car was it wrecked because of you or someone else no it actually was not okay so i'd say the second one's worse than because you lost it yeah and the first one who was able to pay bills or have any basic responsibility yeah for sure i i thought it be okay blame you for having a wreck that wasn't your fault right so i think the second one's worse no for sure i i didn't honestly understand how like steep it would be steep what would be the car note because i never my first car note i didn't have one for my first car it was a cash car so it i didn't have to worry about that i just had to pay for insurance but since the car note my car was 591 something a month i don't even make that in a paycheck i was gonna say well like what even hits your account uh income that came in payroll 523 uh 32 dollars 532 dollars make nothing yeah that's not even enough to do my car no whoa you make nothing how are you it's because you live at home and your parents get groceries but even this car yeah pretty bad that's up yeah 2020 nissan altima i think that's past when their transmissions used to just go absolutely insanity yep and we had to we had to replace the transmission to like wait what do you mean you don't know like if there's any kind of agreement to get it back some kind of price agreement or if it's this because your mom had the phone call on the uh 6th you said on the 5th oh she had the phone call on the 5th because the car got the 12th yeah so how have you not asked your mom so you depend on her for everything else can't ask her a question well yeah she told me that the car was gonna be like 3100 to get it out of repo and we couldn't refinance it yeah and we we couldn't refinance it either so we still have to pay like the 600 so we literally we just went to the the the lot and just got my stuff out the car and they're just gonna do whatever they want with the car because well you know how this works no they're gonna sell it for what they can and then you still owe the rest yeah dude this doesn't go away what do you think this is some magical thing can we look up what a used 2020 nissan ultima is just do like basic across the board that's actually news to me i did not know that because i was like oh we can just take the money that we were or like save up the money we were gonna pay and just fix my mom's truck and use that that was like the plan i honestly did not know that it would still have to get paid like the i guess like the 3 000 i had no idea until literally just now that's crazy so here's how the process works in general this is just a normal just regular lot of the gate process right to the sale of the car um they'll sell the repossessed car usually at an auction to recover some of the money owed on your loan.

8:43The proceeds from the sale are applied to your outstanding loan balance. However, cars sold at auction often sell for less than the market value, obviously, and the amount may not cover the entire loan balance, which is what I was telling you in terms of you will still owe things. The sale price of the car is less than what you owe on the loan. The remaining amount is called a deficiency balance. You are still responsible for paying this deficiency balance to the lender. Collection of deficiency. the lender will usually contact you to arrange payment of the deficiency balance if you aren't able to pay they may turn the debt over to a collection agency which yeah or take legal action because they are entitled to but just sometimes they don't because it's expensive to go through might might not always make sense and obviously the credit right and uh yeah again they can come after you uh for legal uh they could sue you they win the lawsuit they can potentially garnish your wages replace the lien on other assets i don't think you have other assets oh oh that's not true your mom co-signed on it oh yeah they should go after her yeah mom yeah i probably if we don't pay i guess what we have to pay now or whatever we're still getting the value of a used version on your car based on the detail we took a moment and uh we got some details of the car um and again at auction they are typically sold less so you're still gonna oh okay let me just get some basic information here so the car itself the the remaining loan on this 2020 nissan ultima what was the normal minimum payment 591 and some change say 592 then and you owe kill me i mean for your income this is insane were you ever making more than this um and you got a 25 000 dollar loan no you got a bigger loan than that but it's currently at 25 171 that's insane yeah why did you and your mom why'd your mom even agree to support this i honestly was following her the whole time because i mean i never bought her she poor i mean like legitimately just in the like would we when she sits down and thinks about her financial situation she like we're poor yeah okay for sure this is not usually the people i follow for example she's your mom i'm not saying don't follow your mom's guidance on different things she might be very knowledgeable on a lot of things but usually if someone is not doing very well in a specific area that's not the person we follow but again i understand the relationship i understand that that can get difficult and it can get complicated but she was just leading this whole charge yeah kind of i mean i i just kind of trusted her she bought me my first car too but i mean i guess it was less like bank responsibility because it was just bought with cash yeah how much like 8 000 it was a 2008 mazda 3 and she got it in new mexico because she is a she's a travel nurse why did you guys decide to get this what was the logic behind this because this is insane for your situation literally insane yeah and then she's failing so she said give me 100 bucks and she'll take care of the other 500 bucks yeah well why'd she start failing to do this i again that's also why i asked if she consider herself poor because also once you just consider yourself poor you're all of a sudden in the victim mentality of just the never-ending cycle of it as well right which is a real thing uh but once you're just fully acknowledged and you're poor you're just like okay you know i'm sorry guys i'm everything's just right um so because of that it's just like i wouldn't trust her to make a 500 payment usually in that kind of mindset so what happened honestly i thought about that too because there's been like other financial stuff where it was kind of like you know just kind of trust me we'll figure it out and i'm like okay mommy but uh yeah i that's probably i i don't even know i really was just following her like relationship with your mom i think it's okay it's hit some rough patches but like it's okay said she would take care of this not saying she's morally responsible too but she actually is because she co-signed on it so it's a little weird but well at least legally responsible what she did kind of agree to something because she didn't do it you're getting freed off a car yeah you're getting places right now um the last week and a half week well the last week i've been at home because of the the hurricane just hit houston so nothing's really been happening um i'm also like i am like a active dancer so i'm on a team at a studio nearby and how do you get there um well i would drive there but i haven't been there since okay how are you planning to get there um well i live like five minutes nearby okay so you're gonna walk or bike or yeah like if i have to walk i'll walk but i can you know text a group chat like hey guys someone come scoot me um and hope i just don't want to overuse that kindness but maybe they'll give me rides or if anything i can like lift it's like a five dollar ride but it's still there is still a part though here that is just kind of unacceptable right why are you allowing yourself to work at 12 hours an hour for 15 hours a week when you have nothing but free time on your hands and allow yourself to be so far behind on a car payment that it gets taken like you did that why are you allowing that That's the actions of a child.

14:07Child. You're not a child. You've been in adulthood for a few years. You're not a child. Why acting like a child? I just was like, I don't want to have, I don't want to don't have a job. What? I don't want to don't have a job? Yeah. Or I don't want to don't have a job. I don't want to be unemployed. I don't want to not have a job. What the fuck are you talking about? Why don't you work more? If I were to, I don't get the hours. You get a different job. What are you talking about? I can't. well i can i'm i think i'm just scared of i don't know work like existing i guess so i don't i want to find something more what are you like lucrative lucrative you're making 12 dollars an hour 15 hours a week what are you talking about you know what's more than that 13 dollars an hour 14 an hour 15 an hour yeah what are you you're waiting for 500 an hour like this is that doesn't make sense you know fun fact i just want to let you in on a little secret you lost your car yeah because you're not paying how is waiting for something lucrative making sense how does that make sense and what sense is that making it's not yeah it's definitely so okay i just had a job interview on wednesday um for a boba shop boba i love me some balls yep yeah and i'm debating it i told him i'd let him know by like the end of the week you would let them know yeah so you got the job i i'm pretty sure yeah but why would you have to let them know if you don't know if you got the job what the fuck is well because they are only paying like 11 to 12 an hour and he said they were gonna pay eight for the training and i'm like why make$12 an hour already 15 hours a week yeah I was I my mindset is like okay let me find something that's at least$12 an hour somewhere so I can at least make that and then like if it's a job that involves tips or something I can get that on top what are your like what are your hours the 15 hours a week what are they when are they uh Mondays 4 to 8 Tuesdays 7 30 to 12 actually it used to be 130 but she changed it to 12 because yeah and then fridays yeah i've been thinking or you need to find another job that somehow perfectly fits in the schedule to allow you to work at least 40 hours a week yeah i what you told me what you wanted to do right what do you want to do now because there needs to be some kind of income solution like yes you can work in the like real wage minimum wage like that's like the cost of living minimum wage for the houston area you could do that forever but i don't think that's necessarily anyone's goal what do you want to do now i want to find some sort of full-time job i but in what i mean i i can gift you you know certifications to course careers to add that to your resume and that helps get in like the tech environment but even but but this isn't you haven't shown that i don't know your dance like i don't what are you trying to do i i well dance is my passion and i i want to i want to pursue that and also have it so what the fuck is all that around your neck are we gonna like summon something to come kill me or what's happening here maybe who knows it was like okay i don't think i just noticed it well if it makes it any better i don't think i paid for any of these cherry bombs cherry vodka.

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18:58Personally, I use Upside every time I go out and get that extra sweet treat. And last month, I earned enough cash back to buy a cool new toy for my pups. All you do is claim an offer on the app, pay with your card as usual, and boom, cash back on your account. Frequent users earn on average$340 per year. And to get you started, click the link in the description below, download Upside, and use my promo code HAMMER to get an extra 25 cents back per gallon on your first tank of gas. So don't sleep on this. Go download Upside now and start earning cash back on stuff you're already buying. Hit that link below or scan the QR code right here to start earning today um i i want to find something more full-time so that i'm able to still like nurture in what though in literally anything at this point i applied for like this cvs um work from home job like claims benefits specialist thing i don't know it's funny because we're gonna pay our intern more if you lived in austin i'd be like you could intern for noah but imagine that's a long commute though i'll drive out there every day no i won't yeah no no no no i won't yeah i'll walk i don't know how to pay bills i'll walk um i i literally anything i did the assessment for cvs and it literally as soon as i went back to like the workday page it was like i'm not looked at not considered and i was like okay well whatever well yeah that's what's happen so you apply for a 9999 jobs and you get one like that's just like in the end you're just it's it's a it's a numbers game to a point to a point you need to make sure wait i think i have your resume don't i yeah i did email it we can review that at the end that'll be interesting i'll we're gonna go through your finances and then we'll review that okay um because yeah maybe that could show some things if it's more than one page i'm gonna punch you in the face it is one page oh thank god i was gonna say you've done nothing um but so many people like to have like i didn't It's not everything is on there though.

20:57After having three jobs. There's nothing. I didn't put everything on there though. What about tip-based stuff like waiting tables and stuff? I used to be a host. Well, that's. But like in high school. Then for hosting, don't you just kind of get whatever the waitress and waiters feel like? Yeah. And then the tip pool was split between the servers and the hosts. Oh, really? Yeah. It was kind of weird. What about where you could get tipped? Like waiting tables and stuff like that? I thought about being a server, but I don't know. I'm kind of picky about it because I don't want to be a server. I'd rather, if I'm going to, like, get a tips job.

21:37You just said anything. I'd rather be, like, a barista or something that, like, can, like, you know, a starting wage of, like, maybe 10. Like, I think Dutch Bros pays, like, 10, and then you get tips on top of that, which honestly would probably be more lucrative than pure bar. Why haven't you applied for barista jobs? I have. i applied for all like three dutch bros near me i applied for like a million star no probably like six starbucks that's on the way and then the boba place and that was like the only one that really got back to me how can you be picky about a job though if you literally just lost your car you lost your car and if there's any city where you need a car it's houston right a highway that's the city is a highway literally and i live next to the highway too yeah everyone does it's the worst city ever created in the history of the world why you how can you be picky about a job you literally just need to make enough to make your car payment that's your basic survival everything else is taken care of for you you have the most minimal responsibility ever compared to like most people on the show you have almost no your bar that you have to cross is so low and yet somehow you're picky your pickiness I just...

22:53In what world are you allowed to be picky? That's just being like an entitled little brat. I just want to work somewhere that'll pay me a reasonable amount and I won't hate my life at the same time. Listen, I agree with that as well, but also pay your bills like an adult! That's probably true. Like, but first of all, what are you talking about? Lots of people that work at the food industry like the food industry. Not everyone! i don't know the statistics on it in terms of the exact percentages but not everyone hates it i hated one food industry job i had i liked the other one that's true so who's to say because you get a job in it that you're gonna hate it and i don't give a if you do anyway hate it for a couple months but while you're in it for a couple months actually being able to pay your bills you're applying for every job in the history of the world that exists that you want to work in yeah i i i feel like i don't know nothing's getting back to me or no one's getting back to me except for the boba place you applied to six starbucks and two bagel whatever's like yeah like that is the you're the odds are not in your favor dude also oftentimes in those jobs what what everyone highly recommends is just go in and introduce yourself to the manager yeah i haven't done that yet i was gonna follow up because it's been about two weeks yeah well also yeah it's been two weeks okay yeah so i was gonna follow up soon because i've like two weeks is like the you know the average like follow-up time i guess i was gonna try um but what what is for now still technically the interest rate on this car loan what if i said i have no idea yeah i don't know i just go on the website and i do it or my mom would send like the money in my bank account and i just do it online you owe 3182 to get it out of repo are you going to try to get it out of repo like what what are we trying to do well the cost to fix my mom's truck by the way you're still gonna cost to fix your mom then why didn't you guys do it in the first place you're still probably because we still had to pay you're still gonna have to owe a minimum 10 000 on it based on the condition of your car and then once it goes in auction you're probably gonna have to owe like 15 000 on it still so you're really not gonna save that much do we know the interest rate on this by chance 18 what are you what is your existence is that bad is that bad it's bad what's like okay what's like a good interest rate below three percent oh four percent or below at the top in terms of good if you want to use the word good like i don't really vomit when it's like seven percent or less like i start getting a little uncomfortable above that you know eight to twelve we're going like oh not anything above that man is just what i'm just like

25:45yeah honestly i didn't i did not know like all the details of it whenever we got the car i was just kind of signing my name you know how some people retire sometimes maybe not you yet not like this like you're not getting there i would like you to be able to but you know how some people retire right yeah that happens in this world um Oftentimes they buy stocks, like the overall stock market. They invest in like a 401k. You know, that's their taxable account. You know those? I know of it. Okay. In there, for example, like I open up my Moo Moo app so I can buy into like an index fund. And I get SPY so I can follow the S &P 500, which is a collection of essentially like the top companies in the United States economy.

26:32So it's following the United States economy. on average all up years all down years combine that out on average you're only getting 10 % on your money 10 % the money that you have here in this car loan this$25 ,000 you are losing 18 to 19 % your money in the best case scenario typical on average will make 10 % best case on average and you were losing almost double that you were making them so much money and now they're going to try to recoup the cost of the loan and then they're going to try to get the rest of it through you still so so it's yes 18 is bad to answer your question that was the question okay let's go on to the credit card the self-assess where do you think you are finances you and your life just you zero being the absolute worst 10 being the absolute best where do you think you're on that range probably like a solid like four you know i'm gonna like absolutely shank you right now right that's insane that's the most stupid thing i've ever heard in my life like what's the giggle what because i don't i don't know i feel like i don't really know anything about my finances or like at least the details of it a little secret you your car was just repoed that's true that's bad yeah we just discussed how your interest rate is bad yeah even if i were to get it out of the out of repossession we'd still have to pay the car note and the check engine light is on oh my gosh so we'd have to get that fixed too and the brakes your mom's car in a second i want to get through this credit card if you want your hammer financial score it's free link in the description below also we're always looking for people to come on the show people with interesting situations interesting finances that i can dig into so we can look at different situations so that people in the audience get a wide variety of financial situations to learn from and if you're an interesting person who you think you'd be good on a podcast as well because you do need to be able to say a couple words feel free to come on so like people across the board uh including even if you think like you know you have an opinion that needs to be challenged because we all have opinions that need to be challenged feel free to apply to be on the show at caleb hammer.com slash apply you are on a credit a capital one thank goodness that was credit one oh i guess i did have a credit one credit card but i couldn't find i it was like my first credit card that my mom got me what are we doing and oh your mom great yeah and i didn't great and i didn't a kfc tale in the pursuit of flavor the holidays were tricky for the colonel he loved people but he also loved peace and quiet so he cooked up kfc's 4.99 chicken pot pie warm flaky with savory sauce and vegetables.

29:19It's a tender chicken-filled excuse to get some time to yourself and step away from decking the halls. Whatever that means. The Colonel lived so we could chicken. KFC's Chicken Pot Pie. The best$4.99 you'll spend this season. Prices and participation may vary. Supplies last. Taxes, tips, and fees extra. I didn't know really. And then she told me, how she explained it to me, she said we're on this credit card too, that we're on the same credit line. Oh, you're an author. She was an authorizer. you were authorized yeah so that was the same one with the credit one one too but i think it got canceled i don't know i can't use it anymore i tried and it doesn't work um it's the first time anyone's hearing about this my producers are saying no one knows this do you have credit karma on your phone i have an account i don't have the app because i don't have any storage on my phone but i have like i have an account and delete something and download it yes okay well she does that uh the friends that are here are they your friends yeah they're your friends yeah did you know her finances are this absolutely this is wild oh their friend recommended you to be on the show that was the push yeah good it's a good friend because this is an absolute disgusting mess unable to contact credit karma do you have any others uh i i think it worked whenever i did it on the browser okay yeah they locked me out of my account for a minute but i just sent a code to my email maybe it'll let me log in okay okay it worked on the browser you're in yeah all right cool cool cool let me take a little peek did you join the internet yes oh my 512 credit score and it's up seven points that's yeah and check that after the car got repotent it went up i don't know how that happened but it did i'm gonna screen record all right payment history 84 credit card use 97 credit age is only a year and 11 months uh hard inquiry six how much credit are you applying for in that little amount of time what is happening what is happening oh no make sure you guys are blurring the screen of names and things like that the yeah the auto loan isn't recognized as being in major major major major did you miss one two three four i did get an email seven payments that was like yeah the late payment but i don't think they recognize the repo situation until it turns into its different thing well good news this credit one doesn't seem to be on your credit okay um and they've just been your mom it may have just been your mom yeah i had that credit card in like high school i had no she was just like just use it for emergencies and gas yeah maybe she gave it to you to use her emergencies and gas but it was still like hers and only her maybe okay it's on my apple wallet i guess i don't remember even putting it on there there you go thank you cute cat thanks okay so the card then the card and only card as of now it's 482 on the capital one okay it's not like the highest bands in the world but what's the credit limit 500 okay so that's right because we're at the credit yes and that's why your utilization is so high obviously that makes sense what are we doing why is it so why are you purchasing it why'd you put 105 dollars on it that was my mom oh you guys are on this together yeah i used it for only gas and what is she doing i don't know maybe she should be on this show that's what i told her but she said she how old is she she's like like 47 what's 1990 1976 i don't know 40 something okay well at least the minimum payment was made by you or her uh i think the last one was by me because she was like make the minimum payment on it real quick oh my gosh you guys you guys are way too intertwined what is happening how are you ever going to be independent and she's like almost kind of holding you down at least in this one no and the car because she said she'd pay and then she didn't if you're a business owner listen up ever feel like your company's finances are one big old mess taken away from what really matters growing your business this?

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34:57And it's not just approved by me. Over 37 ,000 companies have already switched to NetSuite and are taking advantage of its tools with real profit growth. So right now, NetSuite is rolling out an amazing flexible program, but it's available for a limited time only. Head over to netsuite.com slash hammer or click the link in the description below. That's netsuite.com slash hammer. Take advantage of this offer and elevate your business with NetSuite your business deserves it so how the can it get like untangled I have no idea oh you need to get off I yeah I was thinking like maybe I could save up and like pay off just pay off as much as I can on the credit card but she'll just put it back up you need to get you need to not be an authorized user or she needs to not be an authorized user anymore I don't know in which case who's who yeah i think most most of the payments are my mom if it's like for gas that's probably me and i asked my mom for like gas money and she's like oh i just put it i just cleared something off the the credit card just use that i just cleared something off the credit card that has no room to spend any money so why don't you just max it out again that's great that means it's that means her credit can't be much better than yours yeah i don't think insane living off a 500 credit card cannot be the way we're doing life.

36:14You're never going to get ahead in life if that's what we're doing. You're going to end up and again, this is not saying she's a bad person. This is not judging any other aspect of her life. But this way, you're going to end up just like your mom financially. If you continue on this path, it's going to be generational. You're going to allow it to be generational because you're just being tangled up in that. Yes. Of course, a lot of the normal education you get, because I don't really teach personal finances in school, at least required, for a lot of people but in terms of where you learn your personal financial stuff from it's oftentimes through parents right it's a very personal thing and you're deluded from someone who can't do it and that's gonna make it generational if you want to break free you gotta we need to we need to separate from the being tangled in yeah that's another reason i'm i mean i guess it's not really on my plate but i kind of want to move out well i mean that's like a goal right you can't even make a carpet what the are you talking about move out sure i like you too but what are you talking about you refuse to get enough you're picky about your job well work move out where how are you moving out you're gonna get kicked out of a place that you move out to yeah and our lease ends in a year so i was like oh i'll just move out whenever it ends but hold your brother that lives at home he's 19 okay what are you trying to do in life right now i what are you doing what's the goals here what are we well my goal i i just graduated from community college with my dance degree not yeah full bachelor no i got an associate associates in dance yeah and what are we gonna do with that um yep okay well that's yeah that's cute i i well you know it's the whole thing it's like fine you know go after your passion and everything will work out so that um i guess myself yeah and you want to stick with associates and dance we don't want to go back we don't want to i assume you have a decent amount of gen eds under your plate uh yeah i was thinking about going back to school for a certificate for barbering so that's like because i i wanted to do cosmetology before like as like as a career before dance i thought you said you really wanted to be paid high i do but i just need something to do like i guess in my 20s something to do in your 20s for the career don't just if we're just looking for something to do that doesn't mean it has to be going back to school and borrowing more money that's not the only thing that can be done listen and i'm totally down for it if you have a career path you want to go down if there's things we want to do totally okay let's do it let's figure out how to do it

39:04you're just trying to figure out something to do in your 20 that no that's we don't get a temporary degree yeah certification i feel like i don't know you need to go career quizzes or something because you're just you're the thing you just said you want to make money which is great it's a good start so let's find out the things that make money and let's figure out what you like within them and what it takes to be able to do those that's why i was kind of thinking about barbering because i i mean i like hair and cosmetology and stuff but um i feel like that that's more specific so i can find something or find a career in that yeah i do what do you think of noah's haircut should he go we were talking about this the other day we were talking about this the other day should he go full and commit to awesome sexy beard and shave his head or Should he still try to embrace The hair on his head?

40:00Like embrace the hair on his head? Yeah should he shave? Honestly I can see him being bald Yeah I think he would look pretty good Because the beard is a good counterbalance Can you call me Noah? We're gonna do that bit right now We're doing that bit I'm not allowed to do any bits in the post show Other than when Caleb's at home You're allowed to do the ones That the audience left

40:27this is what he looks like bald

40:31it's a halloween costume let me make sure oh but they didn't see that's okay it's okay i took a screenshot oh good great awesome you can see it on uh at noah chrysler on instagram

40:51he should keep the beard yes yes i agree no he has a sweet beard i like i'm very jealous of that thing um okay so texas roadhouse and amazon i guess that's worth ruining our credit score and you guys are only paying the minimum payment and interest is accruing it's only 11.75 because because the balance is small but it is 32 interest remember that interest thing we talked about remember how 18 was bad 32 isn't better damn um so yeah i used to be or i i am a teacher i teach color guard at a high school um but i and i got i started getting into it how did you make doing that and because that's only during the march of man season no it's during winter too oh you do winter guard as well yeah i do the whole year how much you make doing that um well it was this the job i'm at now it was 18 an hour which for the amount of it's not very many hours yeah not very many hours so it's like the pay kind of but for this upcoming season i would get paid a thousand a month and i would have to be there more what can you make now and i'm like but does it take away from you to be able to work a real job yeah it does and it's like a hour drive away for me with traffic so i would have to get up there and back that's like almost two hours of commute every time because it's like it's long day late night love putting on your makeup but hate taking it off there's really no better feeling than coming home getting comfy and removing your makeup with garnier waterproof micellar water it easily removes even stubborn waterproof mascara none of that harsh rubbing needed and you don't even have to rinse afterwards it leaves skin cleansed refreshed and never dry head to amazon to shop garnier waterproof micellar water now what else so in 2022 i did blue nights and i paid five thousand dollars to march blue nights yeah okay um and that's that's just so expensive yeah yes so and that was just a tuition that wasn't audition fees that's how many years did you do it i did it for that season and i did half a season how'd you pay for that okay blue the first season i did that was um my financial aid refund i every time i got that i would spend that money because i got like a thousand bucks in financial aid refund so i would spend that on my on my drum corps tuition um i'm more of a blue coats guy but i was a blue coat oh you did blue coat yeah garden of love okay very cool um but i did not i didn't finish spring training why because they i got a concussion and they made me an alternate how'd you get a concussion from a flag uh yeah so but they they filled my spot and i didn't think that was fair because there were other people on concussion protocol that it's funny it's funny listening uh uh because i i i didn't know 100 what you did but when i was talking to know about it before this is funny because i i know that world and he was this is the way he explained it he was like i think she spent like ten thousand dollars on some drum line i mean that's pretty much yeah you did color guard in dci yeah so i had to pay for equipment and um blue coats is that guard is expensive they were trying to pay me i i think they're gonna win this year but um i that was six thousand dollars um i got a contract for this season two but i turned it down because i didn't have the money so how much did you spend outside of the financial aid refunds for this though did you spend your any yeah oh how much did it cost so so that was when i marched blue nights that was before pure bar um and i my only job at the time was my how much did it cost like a couple thousand at least how'd you pay for it from my teaching job so there was no debt uh for blue knights no for blue coats yes where is it uh they waived it who did the blue coats so it was debt to them debt to the organization yeah because when i i went there last i know right out debt to them well they just didn't let because the rule is like you have to pay everything before spring training starts what about the flights and the transportation and all this stuff yeah paying for this that came out of my pocket but you did pay for it so yes i guess not for that no um but i mean if blue coats wants to find me and charge me but i guess i could but yeah that's like three thousand dollars that i didn't pay from 2023 i mean like

45:55yeah i mean again in this conversation i really only care about the debt you have now and the choices you're making now but if that that does come back to bite you but it's not like they're they haven't sold it to collections they're not reporting it anywhere no i'm not i'm not overly concerned about it my my winter guard it's still something stupid to do i love i love it but this is money you didn't have yeah i mean it sounds like you're coming from a household that just knows nothing about money so it's just like she's like yeah go do it go spend all this money on things you don't have in money you don't have yeah and even winter guard too winter guard was really expensive too yeah all that all this extracurricular crap is expensive yeah and that's why i would i stayed in color guard for so long and wanted to be a teacher because i mean i had the most experience in that but i don't want to be a color guard director anymore i think that's where i said we don't know what you want to do which is not really here so okay we have 325 dollars in your checking account which is dramatically down from what it was thousand less than before atm withdraw 120 dollars where the did that go which one 120 dollars from atm i don't know um oh i think i do know what that was i was i was buying uh i was buying vapes for me and my friend i swear just everyone in the world vapes or zins or vapes or zins i tried to quit it didn't work yeah that is beyond addictive it's

47:27it's not it's not yeah great so i can do anything in this world that's not as bad as and i can say at least it's not well yeah so i can just walk over there and punch one of your friends in the face at least i wasn't doing guys okay okay well salt is on the same level as like great i think it's worse okay okay okay at least for you for the person who takes it like of course for me then there's i don't know doesn't really matter that's that i don't think that's a good reason to be like oh okay vaping yay yeah no not happy about it but probably probably that much a month 120 bucks yeah well that's a little extra because you actually make that payment instead of your car payment yeah great vape over car oh my goodness it's it's i just i literally am so lucky i escaped vapes entering school by like two years literally like two years it was like two years under me uh people just started to vape like so much it like barely started and i remember in like two years into college it started and i was like oh i'm about this at that point but i don't know man so many people your position you're i'm seven years old eight years older than you and i just can't imagine there's so many people around your age just vape i know people like way younger than me oh my um i knew someone had a sister in like the third grade and she would talk about bus vaping all right fiv gong getting some tea cash up and out four bucks who knows patreon what the and it's not even mine wait is it mine no so so you but also you can't afford it i wouldn't want you to get mine anyway so it doesn't make sense support yourself get a car back get be able to make your payments be able to live on your own don't support someone else's lifestyle until you can mcdonald's value village some secondhand clothes you do it again and then starbucks and total wine and more we're glug glug glug and vape vape vaping hondage 181 dollars korean barbecue is expensive dude korean barbecue is well people send me money for that how much like everyone paid for their own thing and we're like oh let's just put on one card and i was like oh i got it because i have money in my checking for once barely okay mcdonald's gingy restaurant bar zing vu tang you love uh southeast asian food i do taco bell and then we went south of the border shipley donuts you cannot what the 61 door dash and jack in the box how in any world are you able to afford that i'm sorry you can't that's what is that that's like an eighth of your car payment that's insane what are you doing in what world that's like a seventh of your car payment i think what are you doing combine that combine the baby combine the drinking and you a car payment this is crazy as a full-time creator, I can tell you creating engaging videos takes a lot of time and effort.

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52:25Scan the QR code on screen or check out the link in the description below and use my code CalebeHammer50 to get two times the number of video generation credits in your first month. Gym, yeah, that's okay. Cabo Bob's not okay. McDonald's not okay. Going into the store getting some bulls***. Yoga, you're to go to the gym. let's let's let's i i want you to be as healthy and as much as you can but at some point we might have to only pick one unfortunately just because you really can't make you you're not making anything and you're not even making your payments getting some grapes yeah you better do all the yoga in the world with how much you're eating it out parking parking parking limp biscuits cage the elephant what the are we doing what is the band's yeah i i bought concert tickets oh it's only 50 bucks yeah it was the live nation concert week so i kind of went crazy ah but you can't even come close and then you got to figure out transportation and you're gonna get food and yeah it's gonna cost more than just those 50 tickets the kc elephant concerts like later so where in houston so you guys are going back to me and then you're gonna spend money and it's gonna be stupid and you get yourself further in a hole and it's gonna be wonderful but there's your dance studio 250 dollars yeah dance studio yeah they we had a required uh what's it like a little like convention thing at the studio and we had to take like nine classes in a weekend and it was 250 bucks what are you doing you can't even make your car payment literal basic the most basic thing you can you're a child you're not you're you're not 21 you're still you're still 16 no you're 14 these are actions of a child look how much you're eating out then you're right when you said it the beginning no shit then we're not five dollars then we're not six dollars velvet taco cash happen out five dollars pearl lunch this is insane pearl lounge cash happen out fifteen dollars cash about twenty four dollars parking going to the are getting some bullshit microsoft something game probably oh my god that's probably minecraft great well what are you spending in minecraft i have a realm this week oh my

54:57ruchies l ringkong i don't know go to the store to get into both going to store getting some going to store getting some bullshit purchase they're 80 hours to your dance place again yeah that's the monthly payment yeah you're oh my gosh you're spending almost as much on dance as you get paid from a different dance studio that's crazy going to the store getting some mods pizza cash app and out ten dollars cash app and out ten dollars cash app and out ten dollars what the are you doing mcdolls cash app out twelve dollars what is all this cash apping uh what are you doing i think that was from there was like a little event at my dance studio and everyone was selling their old dance clothes and I was buying.

55:37Yeah, that's where I got these pants from. They look like pants. Did you not have pants? Great. We had more pants, then we went out$9, then we went out$6, then we went out$8, then we went out$30. Insane. House of Pies, Restaurant Bar, going to the store getting some bulls**t, selling out$20, Bakery Cafe, Popeyes, going in getting some bulls**t, ruchis el recon again new cafe to yori why do you have to go to places that are so hard to pronounce then went out five dollars value village value village torchies doing a lift ride which you have to do now because you lost the car but it wasn't at that time so my mom was using the car i think and i took the lift to work well she has a right to it because she's a co-signer she just doesn't know how to be a responsible co-signer actually make the pills uh the the pay and it's five new ice and drinks great that's insane that's insane like i don't even know how to combat that really i mean this whole conversation is gonna boil down to it's like are you willing to change that because if you're not willing to like not that's your actions if you're not willing to do that and make more money at the same time there's nothing happening you're living at home your entire life you're or just milking off of friends you're doing nothing forever if you're not willing to change anything and what were the 213 hours that came in via zell um all at once this is over the course of the month oh um probably different like people like oh let me send you money for this or like my mom's sending me some money or so not earned okay yeah So payroll$532.

57:24How much do you think you spent in total in the month? Probably more than that. How much? Maybe like... Like$800 maybe? How much do you think? $1 ,000. How much do you think? I'd say$1 ,000. Okay, they both said$1 ,000. You said$800? Yeah. Yeah, try$2 ,000. You brought in$500. Oh, it's hilarious. It's a joke. Guys, it's a joke. Great. No, we got a comedian. This is hilarious. Our life's a disaster. We're going to die in poverty and it's great. It's a joke. Let's laugh about it. Everything's so good. Damn. Yeah? You have like a humiliation kink? What is happening? No! What are you trying to do?

58:04What is the point? You're just going to laugh about it? Oh my goodness. I spent like eight times what I brought in. It's hilarious. I didn't even realize it was that. Like it was that severe. No s***. You said$800.

58:21And if you knew how severe it was, hopefully you would do something. You signed up for a car payment. You're not making it. You're a child. You know, I just didn't realize that's where it all goes. How? That's 90%. Have you ever looked at one of your statements? I mean, not really, honestly. Obviously, go through our budgeting class for the sake. go through our budgeting class take it and then eventually go through our investing class i don't even want you to do it yet because i don't want you to get any bright ideas but go through it luckily they're both bundled for a lower sales price right now you get it for free but go through it please go through it learn how to make a budget that way we're going to make a basic budget to get started i don't know the ins and outs of your entire life so that's where you have to figure out yourself and also if you don't make your own budget and if you don't manage it on a monthly basis you're never going to be in a good place it's if you rely on everyone else to do everything for you it's nothing but your behavior dramatically need changes this is this is a spreadsheet uh this is a pie chart of a child that i'm about to read so if you're spending it was two thousand dollars great even though you brought in five hundred dollars so everything's fantastic okay for what it's worth you know what i will give i think it was about 150 was actually from your mom on the capital one card probably yeah okay so you just spent a thousand eight hundred dollars okay 55 dollars and 55 cents or 2.8 percent of our spending went to transportation because there was no car payment because we didn't make a car payment and what about car insurance i had car insurance but i couldn't afford it kind of by choice actually by choice yeah because it was like 600 of the car note plus like 200 300 for insurance and i could not find a lower rate when did you get yeah yeah and guess what work or just don't be a person with a car and rely on public transportation or biking and it sucks and it's harder especially in houston but guess what i don't know you're making choices when did you stop having car insurance like like january what the are you did you guys know those you know how illegal that's illegal yeah i i needed to get places so i was like well let me not get pulled over so luckily i did not get pulled over but yeah instead you got permanently pulled over by your car getting taken away necessary food 126.49 cents i don't even know you going to the grocery stores probably necessary foods are probably just getting bullshit drinks and bullshit bullshit 6.3 percent of your spending based on what you told me from your mom so i can't even call it necessary food bullshit food that was 36.6 percent of that 2 000 hours of spending or 737 dollars and 29 cents what a joke 737 dollars of bullshit food and you literally brought in 500 that's a joke that's a joke and you let you allowed your car to get repoed that's a joke you allowed yourself to get uninsured car insurance uh an uninsured car but you spend 737 dollars on bull food that's a joke your life right now is a joke and i know that's brutal to say and i know it probably comes across as rude but i need you to know that it is a joke it's not funny it's not cute you can laugh about it you can be whatever you want to be but it's not it's an embarrassment it's a joke it's disgusting and you're yourself you're destroying your future and it's not going to be cute when you're 50 and you can barely afford to live in a studio apartment while all your friends over there have made it and are living good lives this is a joke it's not cute it's not a little movie it's you're not on some story arc you're just some cells slammed together and you're making terrible choices there's not some destiny for you it's all your actions going into the rest of your life it's not cute with all your laughter this is a joke and right now based on your own actions your life is a sad joke unknown shopping is 3.9 percent of your spending 78.48 cents medical health care 19.5 percent of your spending or 392.60 cents miscellaneous bs other things that don't matter the concert tickets all the other crap 16 or 16.2 percent of your spending or 323 $326 other large purchases $299 so 14.8 % of your spending so to be clear the medical healthcare that stuff is kind of uncontrollable but in terms of just complete bulls**t that doesn't matter 65 % of your spending at a minimum and we allowed our car to get that's wonderful there was another account sorry let's see what's happening here this is moving money back and forth via cash app and then fundamental treats um i think that was from mother's day and me and my mom went to this like lounge club place and we got crawfish and she wanted like a little thing so i got her a thing from them and they were like a small business yeah um i don't know i think i just kind of see money as like you know i'll die one day and when i die i won't have any money guess what technically people with a lot less money which is what you're allowing yourself to be in die earlier statistically and you're choosing that this one's not forced upon you there are some people that are in situations that things are more forced upon them you have so much opportunity you are in such a privileged position you have no idea and you're squandering it so you will die without money and you'll die younger well i i don't i just i just need a job that you're picky about it child also not cute you don't get to be picky about what comes to paying the bills if you're not paying your bills yeah i don't i guess i don't pay any bills except for what was my car note but i don't i don't know i think me and my mom definitely fell off of the car note situation i didn't think they'd really i didn't think they'd really i didn't think they'd take it honestly because they said they were going to take it for months and they didn't and then we kept making like minimal payment kind of or like the monthly when we could but then it just kind of got taken on the worst day and literally on fourth of july so we couldn't even like call to figure out where it was that day either and i had a trip planned actually that weekend trip how yeah again i don't get it just in your mind how do you think it's acceptable to have a trip or get concert tickets if you're literally not paying your own damn bill i what was the trip it was to dallas um i was gonna go to like some water park in dallas you told noah that you guys were purposely dodging the repo man yeah we were because my mom would take it to work and she works like well when she go and get canceled from her shifts she would work overnight at the hospital so she'd take the car overnight and then i'd take it to work during the day and then in the evening i'd go to the studio so we just kind of dodged it i'm pretty sure like on the third like the the day before it got taken i saw the the tow truck going like the opposite way of me like when i was about to park into my spot and i was like that tow truck was probably from my car and then my car was gone that's cute again this is just some fun little movie that you're in like i don't know you seem so nonchalant like you just don't care i i don't understand and And at a certain point in this conversation, for a lot of the people, I can create a budget.

1:06:33I can do tough love. I can do all this stuff and I can get them on their way. For you, it's just like you're in just fantasy world. Nothing matters yet. You're so nonchalant. I don't think anything matters unless you get out of that mentally. I really don't. I don't think there's anything I can do. You just literally need to grow the fuck up and actually act your age for the first time in your life. That's your core issue. What is acting my age though? You pay a bill. Like a single bill. You get a job that might not be your favorite job. Right. That allows you to pay the bills. Right. You set any kind of goal in your life and you try to figure out what it takes to get to those goals.

1:07:20And you start mapping that out and start being actionable on those different steps to get to the goal. And you care about it. at the very least you care about it i think i do care you were dodging the uh the the truck man mr beep beep drive drive truck man because i needed a way to get to work at least you pay your bills you what an adult does doesn't spend 750 on going out to eat when they owe a 500 car bill that's what an adult does an adult takes care of basic responsibilities before they give themselves a little bit of a sweet treat. And you are fully injecting your entire life with a sweet treat.

1:08:03You live high on the sweet treat. I just feel like I didn't have any money. If you didn't have any money, how are you spending$750 on going out to eat? I guess it all goes to that. I don't know. I think I'm just, I'm super like, okay, let me just live my life. Let me be broke. or I try to tell myself. There it is. And again, I can't do anything about that. Let me just live my life and I'll be broke. If that is your mindset, there's nothing else I can say than, okay, now what? Because if that is your mindset, there's no escaping that until you do. I want to. No matter how many budgets, why do you want to?

1:08:47You've put no actions in wanting to, so I don't believe that, but let's play into it a little bit for a second. Why do you want to? because it's really exhausting being broke uh-huh you know and like nothing to fix it then if it's so exhausting um i don't know i think i i i definitely give myself the excuse like oh i'm i'm just i'm tired i'm mentally tired and i mean i am i feel like i don't know you have the most amount of energy you'll have in the rest of your life right now i promise you that unless there's something medically wrong but no yeah exactly yeah i you can trust me yes hi i'm here to pick up my son milo there's no milo here who picked up my son from school streaming only on pica i'm gonna need the name of everyone that could have a connection you don't understand it was just the five of us so this was all planned what do you get to i will do whatever it takes to get my son back i honestly didn't see this coming these nice people killing each other all her fault a new series streaming now only on peacock someone aging on that big three zero you uh have more energy than you'll have in the rest of your life and right now i have more energy than i'll have in the rest of my life unless i get fit but you know you're already fit so you're you have more energy than you'll have i i try to like you know seek dance as like my outlet okay how many hours a week do you dance oh maybe let's what like maybe like 20 to 30 oh you know it'd be fun no it'd be fun this is actually fun uh you should teach me in the post show okay how to how to do the dance because i'm just a nerdy little white boy okay yeah i got you wearing flip-flops i got you okay oh i actually had a little bit of happiness there for a second that was nice because this has not been happy um okay so let's just maybe let's just move on to that because like i i don't think there's anything for you i'll actually let's look at your resume real quick okay so here's just a start i mean this is literally spend trust me we know you like to spend money spend five dollars use a resume builder online that'll add just some color and design and anything make it look presentable this is built in a google doc like this is crap yeah is from google docs exactly this is horrible um okay so hostess texas roadhouse shared customer satisfaction by i love these things that was definitely people in warm yeah they honestly probably know that they probably run it through an ai generator and they're like all right this person's lazy i'm gonna do it because this is the most chat gpt like i could have said that myself also wait texas roadhouse you stopped in 2020 but you're trying to get that was covid that it cut everything off oh sales associate at your current job yeah your title sales associate involved in client engagement promoting fitness packages achieving sales goals to enhance overall client satisfaction and see you successful maintaining a welcome sense of community sure customer satisfaction okay high school band high school band uh so it's not a very dense because you haven't really done much there's some i left off of there just because i don't know i didn't know if i should put it probably not if they're less than this because i don't even like the color guard stuff necessarily being on there but i it shows that you do have some like uh not management but you're able to i guess commitment no no no no definitely not because it's seasonal uh but you're able to like teach and man you can manage those little oh man

1:12:28um i wouldn't uh in any way ever change on your resume what you say your degree was in i wouldn't okay i'd also put it above your high school diploma in fact uh put your most recent at the top oh okay skills character got wow my skills not being able to read charismatic and friendly hospitality skills okay that's a uh what i would look just yeah go on a resume building they'll give you like actual skills and of course i doubt anyone's skills they put on there are actually applicable they probably gave like one person a handshake ever and they said i'm the best sales closer in the world and also athletic and dance training for seven years take that off we're trying to get a real job you can have a dance resume to try to get dance jobs then then have a job resume to try to get job jobs okay i definitely just use that as like my all-rounder i know and you're not getting jobs yeah that's probably why i guess i didn't really think about that yeah i would definitely just use one of the services that's honestly kind of all it needs and it really fills in a lot of the stuff it doesn't need to be complicated it really doesn't so okay well they're typing chat gbt is also a really great resume building tool what do you think she said built this yes yeah i'm sure you can feed it much better to give you better results but yeah it's not not the best great yeah not the best but i mean that's literally all i i also worked at ulta for a while i'm ready to learn how to dance in the post show and then we'll go into some more drama we always hide some of the drama for the post show because you know this likes this is more finance riddled and then we'll save some of the tea for the post show spending in the budget well you spent two thousand dollars you made uh five hundred zero out of ten debt you don't have collections oh what you got your car repo what are we talking about zero out of ten emergency fund there's nothing to save 010 retirement there's nothing to retirement okay hammer financial score 010 i don't think anyone's surprised uh make sure to stick around for the post show you can check out that you can join in the link in the description below you can also see in the description different resources that i use or would use in specific situations including the best budgeting and investing programs in the entire internet that are now bundled at a lower price so make sure to join those see you in the post show today on the financial audit post show he's where i'm like he's dancing around thorns over there let's dance I would love to You wanna teach us?

1:15:08Sure I could teach you something No I was reviewing it This the arms here Right off goes straight to the shoulder Watch the financial audit post show Click the join button below