Psycho Tried To Manipulate Me | Financial Audit

34:50So I want to. I'm not saying. So this is why I'm digging into this. But I'm. Exactly. And I want to. I'm trying to figure out how. How are you a victim? I didn't. Because he sold my cell phone to make sure that I couldn't contact people. Yes. Which is weird. He was blocking my friends. He was blocking my family. Let's talk about that. D &D. He was cheating on me. Like, do not disturb. Like, he put my sister on D &D. So it's weird. So he kept taking your phone. Like, oh, yeah. Okay. My family would come around. He would be like, oh, my grandma died. So I'm like in a bad spot. Hang out with me. He told me his sister.

35:21So it's very manipulative. A fake sister. So it's insanely manipulative. When did you learn it started to be manipulative? When we had gotten back to Virginia after everything happened in Maryland. And at that point, my mom. Hold on. Hold on. So how long was that manipulation going on before you realized it was going on? About six months before I found out. and then six months before you found out he was deleting contacts and blocking people yeah and then six months before i left him after that okay why did you not break up the moment you found out i personally felt like at that point it was like the sunken cost fallacy like i well that's that's on you then that's on you that part's on you on not being able to advocate for yourself as an adult like if you can't advocate for yourself then you shouldn't be dating i no i would i would agree with that assessment but i mean that's what i was doing i was 20 like i don't you know yes young this was my first like relationship in college you know this is what he was doing don't get me wrong not even close to defending what he was doing was but when we learn that it gotta run and you can lean on family and you can lean on friends and your mom got you out of there so we know you were able to but you say because i was in this relationship for a while i'm gonna stick it out that is just you know at the time my mom and i were not on good terms and like things were not doing well and like that was her last draw of like coming down and being so he took your phone and sold it and you just no i didn't see it every day no no i told him every single day i i needed it so he i wasn't allowed to work jobs because then through him he said you could not yes okay the moment i hear that i'm done the moment i hear that i'm breaking up because that is controlling that is weird and don't get me wrong he is up i I know, but by the time we had gotten to that, I was already financially dependent on him.

37:06Uh-huh. And my mom, like, I didn't, she wasn't a person that I could go to at the time. What about your friends about anything? Did you have any support system? Be real with me. At that point, like, the way that you're addressing it right now, how I'm a victim, right? That's how I think my friends are going to respond whenever I tell them all these things that he's doing. Right? Wait, why? Because now it's my fault that I'm staying in this and being in this stuff. Well, hold on, hold on. If they're good friends, you know how to listen. the only the only reason i thought about the victim thing is because you said it multiple times so the only reason your friends would do it is if you uh did the you know cry wolf thing constantly or if you came to them and this being your first time saying hey here is the situation i'm dealing with can i crash on a couch for a little bit and you know maybe score some of the groceries for a little bit can i do that unless you're calling victim constantly and they're and then they're starting to realize oh wait she just calls victim a lot then of course they would support you if they wouldn't then they're not good friends i agree i just think it's a very difficult place to be in because of course i'm not saying it's incredibly embarrassing to admit of course it is that happened but what's more important so at that what's more important being embarrassed or someone who's literally stealing a phone and selling it i'll say at that point like i did not think i was going to be you know in the world for too much longer so oh my gosh what you were gonna do the s word is that what you're saying he was going to do it to you thought he was going to why'd you not go to the police i just i like he he didn't lay hands on me until my mom came to get me oh my gosh this is wild i'm listen i'm very sorry you've been through this the again the only reason i'm digging deep is because we talked about you know with uh like and if you said this at the beginning i wouldn't have dug deep at it it's only because of the conversation we've had so far so i'm just trying to understand it and you are correct that was a bad relationship he was a f***ed up person i'm just trying to understand then at that point gosh i want you to get away it's okay to be embarrassed it's okay to lean on family it is okay to get out of that situation and i need people out there to hear that as well and i know that all now but like he so i wasn't allowed to work jobs right so i wasn't paying my rent um the fact that the the okay i'm gonna fine i will say this to you if your significant and other says you cannot work leave that relationship absolutely if they say they're going to kill themselves if you leave oh my do it okay leave them that is their decision that is not okay let's move on then because that but so he we he ended up we we sold a lot of my clothes and things to get money and um different things like that so then in 2020 i basically like had to rebuild everything that i owned had to pay off like a whole bunch of stuff that i had been paying on.

39:48So I started really rough on my finances there. And then I was paying rent while I was living with my mom. So it was really difficult to save. So then I moved out here to Austin and then everything happened here. So let's get straight to the point. If you're paying more each month on your mortgage than you'd like or have a reason for change, it may be time to consider refinancing. Luckily, money.com has put together a list of its best options. That could be a game changer for you. First off, refinancing with the right company could significantly lower your monthly payments. Who doesn't want to keep more money in their pocket each month?

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40:53It can seriously be a financial game changer. This is a paid endorsement sponsored by Money.com, which is compensated by its marketing partners. Hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on, hold on. This cannot be correct. Wait, there, no, no, no, there is something wrong here. This cannot be correct. When was the last time you got a statement before this? Since 2018, 2017. I'm trying to understand because I am seeing estimated interest accrued since last statement $15 ,287 meaning this is doubled doubled since when? when was the last statement?

41:27because that is literally what it's putting next to it this is a brand new they just sold it to this company so are you telling me you borrowed$15 ,000 it's gone to$30 ,000 for this loan? I don't think so I think that's the same because it's a brand new like they just sold it to them listen estimated interest accrual since last statement and the number next that has 15 287 dollars and 18 cents was it zero before that i can't see because i'm looking at this statement and all i'm reading is estimated interest accrual since last statement and then that number i think all that's saying is that like that's how much interest i have on the total loan because this was my the total loan of the the estimated outstanding wait wait wait one second because estimated payoff is$30 ,189 and that's what we got that's what we wrote down estimated interest accrual since last statement$15 ,287 and that's just and I don't know what the last statement is what was the last statement you got was it the original was it when we were taking these I don't know how much it was though I'll be honest I could pull up Yes, that has to be it.

42:42Because all you borrowed was$9 ,700 from here and$4 ,293 from there on this loan. Because I have another account that has$15. That's great. That's a different account, though. I'm looking at this account. This account was$15 ,000 borrowed, but it's$30 ,000 owed, meaning it accrued$15 ,000. And the way it possibly did this, because it's been sitting since 2017, 2018, is because you keep going on these low payment things, allowing interest to accrue instead of making any any attack towards interest or principal so you've allowed yourself to get 15 000 when i was when i was at my last job i was making over the minimum payment so when i had the ability to i was trying to for how long for how long about a year okay again we're talking since 2017 i know but i was in college then like when did you drop out um 20 the spring semester of 2019 i stopped so 2019 this has had five years to accrue even if you even if you're paying decently for a year this had five years to accrue so i am not surprised at all that this is doubled doubled which is insane and i did you didn't know that how do you look at the 30 000 and you didn't even know that how do you look at the 30 000 and not even know that if it started at 15 000 and you see 30 000 how do you not know that went from 15 to 30 000 how do you know that's not double you see there and you're sitting there and you're looking at 30 ,000 hours and you thought it's 30 ,000 hours the whole time you didn't think that doubled you didn't know what your balance was when you first got it what do you mean how did you not know it was doubled it's a double the number I didn't I don't I feel like that cannot be correct it is correct because I I just like the last time that I looked and I went through everything when probably like six months ago okay ago uh-huh like that's not what it looked like like i mean yes i was paying like well then you didn't look at the numbers correctly you need to go through our debt class to understand your debt and how to go through your debt know what is good bad how to utilize good debt and how to get out of bad debt and different strategies you know need to go through our budgeting program you get all these for free they're all bundled together for a 25 discount link in the description but you need to go through them so that you know how to look through your statements how to plug numbers in how to track things and actually understand what your finances are because you if you didn't come to this conversation you wouldn't even know that this was doubled because you looked at it last time and you didn't know you just thought it was just the normal numbers you didn't i you don't know how to even look at your numbers so please go through the education please go through the education and i'm sure that whole like two percent because i think i'm at like a two percent rate right now no six months no no no that's what I was at.

45:21No, no. I'm at 11. I'm at 11. Half of it is at 2.7. Half is at 11. You don't even know. You don't even know. You look at your statements, you don't even know what you're looking at. Oh, for f***s sake. When they were with Discover, they were like that. I don't give a s*** about Discover. I literally only care about what's in front of me. I know, but I just, I have not looked through. Why? Because they just sold it, like, last month. Why didn't you look last month? It's stressful You know what's more stressful? Being late and accruing fees And having your loan Double I think that's stressful It's stressful to me too I'm the one that has the debt Then look and figure it the f*** out It gets more stressful longer You let it sit I'm a little stressed so I don't look at it Guess what?

46:12It gets more stressful when it's worse later Okay so we have this loan $4 ,000, this loan$9 ,000 This loan$7 ,000. This loan$8 ,000. But total estimated, because they didn't start there. This one started at$7 ,000. This one started at$7 ,000. That one started at$8 ,000. $8 ,000. But total estimated interest accrual on the first loan,$2 ,700. $4 ,900 on that one. $3 ,000 on that one. $4 ,000 on that one. Jesus. So like half of the loan is. Yes.

46:44Literally per day. per day the interest that's accruing now that you've gotten most of them down to 2.7 temporarily but 4 ,000 is still at 10.9 yeah you're accruing like$3 a day in interest but it's gonna be like it's gonna be like $10 to$20 a day in interest in like a month or two I know it's honestly crazy to me that it's legal for us to do that at like 18 like i just think that's crazy how do because like you're essentially a child they oh they restrict you that's interesting everything right that's good as soon as they do they say you were essentially you're a child at 18 okay then you shouldn't be able to drive then you shouldn't be able to vote for the future of the country then you shouldn't be able to serve in the military then you shouldn't be able to work at a job because you wouldn't know how to advocate for yourself if you were working with co-workers and having employees then you should be coddled by your parents and you shouldn't be allowed to go outside you shouldn't be allowed to go to college and live on your own if you're a child at 18 if you're going to emphasize yourself then you have to emphasize yourself across the board i'm not saying me personally you just did it shouldn't be legal because you're a child if you can't sign a piece of paperwork because you don't know how to read words then you shouldn't be allowed to do all those other things either you shouldn't be allowed to do it without them teaching you about this teaching you teach yourself if you're expected to do all this other you can learn how to read numbers isn't that like why there's an entire like h &r block like an entire industry there other than lobbying is because they make it purposefully difficult so that you have to pay people to do these things pay to make it like purposely convoluted but when i signed up for student loans i knew the number i was at least going to be a variable rate but i don't i didn't know that it i i didn't know realistically where i was going to end up nobody was like this is how much you're going to be making when you graduate can afford like blah blah blah like there was no classes for that there was no there was no nothing i was you are hold on hold on hold on first of all even though they're not always the best you can talk to advisors at universities that will at least if you ask the questions they will answer it whether or not they'll you know tell you without you asking that's different and then there's advisors at high schools as well you can also have this um oh what's it called um hmm this interesting little thing called google yeah it's it's really curious i thought i was going to work in a lab how much does this person make working in a lab

49:26okay okay okay don't get me wrong it is hard and we set up people incorrectly we set up people where it's like you have to go to college. Don't get me wrong. We set up people incorrectly, but you're infantizing yourself. Again, I'm not fully against what you said, but the fact that you said it should be illegal because we are, you're basically a child and you don't know what you're doing. Then you have, then you have to take that across the board. You cannot do all that other as well. I agree. I agree. It would be like that. I think that you should step kids up in responsibility and give them more.

49:59I just, I don't think America does that a great. No, the process is quite bad. But if you're just infantizing yourself endlessly, then it's just like, what's the point? Again, this is more victim stuff, and that's what I don't like. All right. Accountability, then. I signed up for these student loans. I need to make sure that I'm paying them. You're good with being accountable? Yeah, absolutely. Okay, so you would be an accountable citizen, meaning that you pay your taxes. I am filing them when I go home in two weeks. Huh? You haven't paid taxes in two years. I have not. I have not filed taxes.

50:32You don't even own a business. So there's not even like a good excuse of, oh, I just kind of forgot. W2 is plug and play. Yeah. It's the easiest thing that you could possibly do. So what I did, I filed for an extension. You're probably someone that thinks that you're owed all these extra little benefits, but you don't even pay taxes. Absolutely not. I'm not taking advantage of any government services. Nothing. I use the smart, but that's it. we don't have access to anything. Like, SFID and stuff like that. That's right. You use the smart... She uses the local subsidized housing, but she won't pay her taxes.

51:07She uses the roads, but she doesn't pay taxes. If she gets laid off, she'll probably file for unemployment, but she doesn't pay for taxes. I didn't get unemployment when I was unemployed. If there's a fire, I bet she's going to call 911 and request fire services. I bet if someone robs you, you'd probably call for the police. They wouldn't pick up. It's APD. So I feel like you probably, exist. You know, if... Why go down that road? They're just going to charge me more for it. I'm just going to end up paying more for them. Yeah, so you'll pay penalties. Yeah, so they're just making more money off of me.

51:42It's just you being responsible. That's what I care about. It's you acting like an adult, but you didn't. Why haven't you for two years? I didn't because I had filed for an extension that first year because I saw my Connecticut taxes and they were insane. Okay. And so I filed for the extension so that I would have time to pay them off. And then things got like insanely crazy at work and I completely forgot about the October 15th deadline until after it was done. You just have no responsibility. And then I lost my job and I was scared to file them because I knew that I still couldn't afford them.

52:14And then I was - Well, there's hardships declarations at that point. But what there is - I didn't know that. Google, my gosh. Why does no one have the ability? I'm so curious. If I - How am I supposed to go to ask that question? One second. I'm about to tell you whenever I have a problem that comes up and I just like, I don't know what to do. I literally just try to seek some information to figure out what solutions there are. You didn't even look to see if there were solutions. Yeah, that's fair. Cause I didn't think that there were. I thought that I just, how would you know without asking this?

52:49I will never understand this. So many people on the show is just like, I didn't, I didn't even try to find out if there was anything. it's not a question that i knew to ask no not even that question you wouldn't know that question and that's fine but looking for solutions you would have found an answer that's fair that's fair yeah no i just like i was just like no i can't yeah no there's only seven hours left in my day after we did the math but i'm too tired i could possibly type something into a search bar i was busy i guess i don't know busy you had extra time yeah i just would i guess whenever you're out there raging on sixth street seven days a week oh god no okay then you're fine when i first moved here but not anymore yeah you were probably fine then yeah unless the other whatever five to seven hours whatever it was we determined you're at a restaurant which wouldn't surprise me i mean yeah i was in some of that time i was doing like free things but I, I, no, like free, like free time.

53:50So filing your taxes, how much do you owe? I have no idea. How much did you owe before penalties? I owed$1 ,000 to Connecticut and no money to Texas. You could have done$1 ,000 at that job. So, so$1 ,000 is all you back owed? Yeah. You are a literal child. That's why I, that's why I applied for the extension because at that very moment, I didn't have the$1 ,000 to pay. So I was like, okay, let me file for the extension. I'll be able to save up for the$1 ,000. Stop hitting the damn table. Sorry. It's okay. So I was like, okay, I'll be able to save up for the$1 ,000. And then I just, I guess, fell off.

54:27I wasn't responsible enough to make sure that I completed it by the deadline. And then I rolled into last year and I got more freaked out. Probably, oh, like$1 ,200 or something. Oh, is that it? Probably. I don't know. I thought that it was going to be crazy. And then I read on the internet that they'll put you in jail for the third year. So I was like, freak. But my mom knows a tax guy who knows Texas. Okay, okay. I mean, they'll... The IRS would much rather get their money than put someone in jail, trust me. They're actually quite chill if you work with them. Oh, okay. Yeah, I got really stressed out.

55:09I was like, okay, mom, we have to deal with this when I come home. You're 26? Why are we still relying on mommy to help pay taxes? Just to make sure that I'm doing everything right. And she knows a tax guy. So he's going to help me to make sure. Well, I'm okay with that connection part. But literally here you could have found a CPA that would have spent like five minutes on this probably. But they cost money, right? They do. But again, it wouldn't have been a lot. Oh my gosh. Okay. Discover. We have a Discover card. Yes. I do have a Discover card. Oh my f***. Oh. Yeah. Yeah. So it's... Who do I have to punch right now?

55:46This is crazy. It's over maxed out. It's over maxed out. It's over maxed out. It's been over maxed out for a while. What's a while? And why? At least three months. Oh, for f***ing, why? Because I keep putting large amounts on it. Why? But the interest keeps hitting and taking it over. So don't put large amounts on it then. What do you mean? Don't I have to pay? Oh, you mean payments? Yes. Yeah. No, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no. If you were below the limit and you were just even putting just the minimum of the payments to it, the interest, the way the math works is you would still still make progress.

56:19Even if it's like five dollars of progress, it wouldn't have put you over. You had to have spent on this or you or or or or you didn't pay towards it. And then fees happen and fees will push you over. But there is no way you were making the payment and you went over. There is no way. No way. I know there is not. it i think what not on this card this isn't one of those cards that gets you fees on a monthly basis there is no way unless you were already over it maxed out while i was unemployed so i've been paying like large amounts to try okay there we go if it was already maxed out that's different yeah it maxed out while i was unemployed so i've been putting like 300 400 towards it and then at the end of the month the interest hits and i'm still over well the interest is 119 but the minimum is 140 so again it's still putting 300 400 or 200 200 200 200 interest is here so far it's under 25.24 interest rate which for most credit cards on this show isn't actually the worst it's usually like five percent more interest is here so far a thousand dollars is allowing yourself to get why is this maxed out to begin with because i was unemployed so i was putting like utilities and like groceries and things on it while I was unemployed.

57:34You were unemployed for three months. Plus you had 5 ,000 hours. I'm confused. Your spending must not have stopped. Well, I also like I was, I had the$1 ,500 rent at the time. So even I know, but even with that, okay. Cover all the months. No, I get that. But that wouldn't lead to this max out. I paid to get out of my rent. Oh, to break? How much was that? That was the entirety of the rent. So that was$1 ,500. And then I had to pay for movers because I have, I have medical problems. I can't move. You don't have friends? Any of my stuff. No, I didn't have anybody. that could help me. He would rather pay for it than to do it.

58:04How much did you pay for movers? You can't afford to pay for movers. It was like a thousand dollars. What's your medical issues? I have a herniated disc and a few other things. Okay. So I have issues with, like I can't carry weights and, you know, walking and standing. So I was in a wheelchair for most of like, for a good last year. Yeah. That's wild. So I'm glad you're not. Part of why I'm struggling is because like, I used to work food industry, right? So like, I would just, I would just get a bartending job. And pay all this off. Like that's what I would do. Except for the fact that like once a month for like three days I cannot get out of bed because I can't walk.

58:39And then on top of that. Once a month? It's whenever my back flares up. I don't really have a choice on when it does stuff. I do my best to make sure that it doesn't. But it's about once a month? We could do some remote customer service jobs after hours though. Okay. I mean I just I hadn't. I've looked into things around town right. Like Planet K. and just things that would be more chill and that would maybe be more willing with my issues. And I just like they don't want somebody that can work the hours that I can work because I work six to or nine to six at my current job. So like shifts even get like a call center job, something like that.

59:15OK, I mean, I would be open to that. It's not going to be great pay, but it's just extra. Yeah. If you're concerned, it's to actually pay down the debt. How much do you write you lie on your brother? Not anymore. I haven't at all for anything. I haven't taken any money for him since June. But he got you the car? It's his car. He owns the car. And you drive it when you need it. He takes public transportation to work. And then you... Okay. It makes him so angry. Well, that's fine. So it's just better for him to not drive. I mean, that's okay. I'm just... When I'm done with... Without your brother, I don't know what you'd be doing in life.

59:50Oh, I would be living in Connecticut. That's why he didn't want me to have to move home. But he also didn't want me to move into his place. what are we affirming we have a firm switch dental yes so that is my retainers i um clench my teeth so hard i break them sometimes so i have a very fancy i have very fancy uh uh retainers top and bottom but um i mean like my so my brother does still pay for like going out things whenever we go out but that's because he wants to do things so that's how he's like he is planning on setting up a bank account and putting me as like a person on it solely for entertainment.

1:00:31You're not a child. Because he, I know of all the things that are going on around town. So he would rather me just buy the tickets so he doesn't have to go through it and then just be like, hey, we're going to this. This is so weird. He just, he just, he's a dink. Like he just, he has so much spending money. He just. Which is great. Maybe he should spend it. I just, I don't know. it's weird. I just, if he was on doing things and he did, they both work remotely. So they don't have, I'm chill with it. It's just, it's just the, the account thing's a bit weird where he's going to give you a fun account.

1:01:03Like you're no, no, it's not for me. No, it's for, it's for events that we are going to together. Like if we're going home, hitting the table, we're going home, I'll buy the tickets and it'll be through that account. So then I'll just send him the itinerary. He doesn't have to worry about it. Type of thing. If you saw your high yield savings rate drop down, You need to keep listening. The Fed just started cutting rates with more expected to be on the way, potentially even dropping all the way back to zero. Even I got a notice from my bank about the cut. So if you see your savings rate already shrinking, it's time to take action.

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1:02:15So don't wait. The Fed's next rate cut decision is November 7th, and there's a good chance they'll cut it again. Check out Silo Markets using the link in the description below and you'll get a 1 % bonus on your deposit. That means a 4.2 treasury becomes over 5%. Take advantage of this last opportunity to lock it over 5 % rates only with Silo at the link in the description below. Now let's jump back into the episode. So you're still a personal assistant. Yeah, essentially. Okay. So you owe$211 on a Swiss Dental. it's a 23.14 interest rate so it may as well be a credit card yes what's the minimum um it's 78 or something like that it's like 80 i have it was 750 so we're almost done with the yearly it'll be paid off in january that's when the last payment is i deferred it one time why because i didn't have the money because i was because of the unemployment but not having an emergency fund is an emergency why would you try to get fired before having an emergency fund i couldn't stay there i if i could stay any longer i would have i wouldn't have like ended up in this situation but i could not stay there and you can't tell me it yeah i have too many ndas and things but okay oh for the camera but so are these federal student loans yes i believe so so more student loans yeah okay oh my gosh yeah that 15 000 is the other discovered one well these interest rates are lower but we still just have so much so student what oh it's um these are income sensitive yeah so they're um subsidized and unsubsidized and then i also took uh the perkins loan oh wait oh that's you're not making any payments because the income you know what that's done to them though oh yeah they're the interest is probably insane i'm sure well even though the interest rate's actually low at 2.74 they've gone from 15 000 to 17 161 because you're just doing nothing and the thing is it's being challenged in court so this kind of status could be thrown out who knows or you know a different administration comes in let's say the person overseeing the department of education is just like you know that we're not doing these kind of loans anymore all of a sudden you owe more this is they're not bankruptable this You're just putting yourself in the riskier situation.

1:04:44You don't necessarily make bad money as the thing either. You're just allowing yourself to give for no reason. I'm putting it towards the private instead. It would be like$175 is what your payment would have been. We could have done that for the traditional 10-year payoff. I mean, I think I would love to start paying on them. I'm just putting more of it into the private just because of my co-signer. No, you're not. You lowered your... Who's your co-signer? It's my mom's husband. Stepdad? Okay, so you... What? Huh? We don't call him that. Sure. Because my sister has... Her dad is technically...

1:05:23We call him the stepdad. Her husband came in when I was like 17. Oh, gosh. There's three of them. Yeah. Okay, 200... But you lowered your student loan payment on the private side. So what you're saying is incorrect. I did, because I lost my job. So what you're saying is incorrect, though, because you've had your job now for a bit. I'm trying to get there again. I'm trying to get back to paying on all of it. But you know what f*** me about all this and what I just don't understand here is we have all these situations and we have relatively easy ways to get out of this. But there's one thing you told our producer that just grubs me in a concerned way.

1:06:02Okay. You specifically said, quote, I hate Dave Ramsey. i do okay i do but his is so simple to get you out of this his little thing so why i just i don't because that concerns me for this i don't like how he like comes after people morally i just think that like he's kind of like a grimier person yeah like morals are subjective yes i think just doesn't work okay you know he doesn't literally mean beans and rice it means don't go out to eat you dumb yes i know that my mom is obsessed with him and she she's obsessed quite literally if she's obsessed then she knows it's not literally yes so we used to listen to him in the car though like we would she would put on that show and yeah it's entertaining laura and all of that right and it's just i don't know that okay she's another like uh radio person but like and they're just it's just him like like yelling at people and like yes like what do you think i'm doing i know you i am more you get heated but you don't get mad at me for morally being a person or whatever well it depends one of him with being like you shouldn't be living in the house with this woman's daughter blah blah blah and i'm like what does that have to do what does that have to do with his finances like who are you so the social things yeah like i'm just like ew you're just like if we're talking about morals well morals are subjective i don't care whatever one's morals are so as long as they're not like ruining someone else's life that's all i care about but you don't think morally you should have to pay back the debt that you signed when you were 18?

1:07:32Oh, I absolutely, I do think that I should have to pay that back. Okay. I think that future people should have the government ones waived. I don't mind paying on mine. I know people get mad about that. What's the point of waiving them without changing the process that got them there in the first place, though? I agree with that, too. Okay, so change the process before you do that, right? Yeah, change the structure of, like, everything. Absolutely. Then I'm confused, because that's also what he says. I know, I just don't like the way he says it, I think. Okay, so you just don't like his... I just don't like him.

1:07:58Like, as a person, I think I don't like him. Okay, but budgeting is good it is it's fine it's chill i don't think that my mom's interpretation of his beans and rice is very well she might be stupid i don't know like she yeah but i i understand like not eating out like that is a reasonable request right but next the only time you see the inside of a restaurant is if you're working there this is pretty this is a pretty no it's not come on it's pretty entertaining well yes um yeah i just but that's even even whenever i was working at fast food restaurants you end up spending a lot of money whenever you work at those places if you're if you're undisciplined sure okay i mean if that's why if if it's not about the the pay off the debt thing then i don't really care because that's what concerned me was reading it was hearing that you said that is like how are you gonna get out of debt if you're not willing to follow pretty damn basic debt payoff advice i think i can i just don't think i could take it from that man okay like i don't think that's the source that i can get my advice from because i'm just going to be like you know like i think i do it matters right yeah i get that but that's also just sounds so like uh almost a little virtue signally in certain ways because it's like there's people that i don't agree with on everything but that doesn't mean that their good advice also isn't good like it's it's bad it's it gets really weird as a society and very twitter-brained if you don't like one thing about someone means that we immediately dismiss their entire existence like that is so twitter-brained i think that it's reasonable to say because this person has views that i do not agree with i'm going to go in questioning the question is fine but you said i hate dave ramsey i i did say that it was a little it might have been a little intense i think maybe hate is not the right word i think uh i dislike dave ramsey i don't like his influence on people of a certain age maybe well but hasn't he helped like upwards of hundreds of thousands of people pay off that i'm sure he's talked to a lot of people I don't know the stats on how many people he's actually helped.

1:10:18Well, in terms of the people that have listened. You just don't like the social aspect, his social views. Yeah, I just don't. I don't think I like his social views. He's a bit old school. Yeah, he's a little too old school for me. But again, it's just like, I don't know. I just don't like the idea. It's a very new school that it's just like if I disagree with a certain ideology from someone, then everything they say is wrong. And that is just so counterproductive as a culture. It's so immature. it's an immature worldview i agree i think it's more i don't like the things this person has to say therefore i'm not listening to them therefore i'm not like i'm not getting into that nitty gritty the way that you know him right i'm only listening to the radio show hearing him yell at people and being like whoa this guy sucks and then my mom just repeating it back at me like forever while i was living with her you know so then it just perpetuates this thing in my head where i'm oh, this guy.

1:11:10Alright, well, I don't care enough. Checking account. 470. Any balance? Okay. Yeah,$0? Was it$0? A little. Was it? Stupid little. Stupid. It probably was like less than$5. No, that's not even what I'm looking at. Oh. Every single second of your f***ing life is spent on bulls***. Bulls***! and you come in here and you try to say that you're trying you come in here and you're questioning why you weren't able to make a payment you come in here and you say you had to lower payment because you don't have enough money you come in here and say that the world is against you and all this stuff doesn't make sense all of this is bullshit going to botanical garden amazon chinese takeout amazon chick-fil-a uberine target you have your brother's car use it the target is rarely ever groceries we find on this show jw mario so ah cbd great apple bill chick-fil-a chick-fil-a netflix los gatos that might be like my name on it is that your name uh i don't know is your name los gatos no oh then okay i don't know what that means what the f*** are you even same chick-fil-a thunder chef home goods chick-fil-a fireball cafe prime video going in and getting some bulls hulu hut i don't care because you still paid the other half dispensary wonderful playstation network chick-fil-a venmoing out 39 dollars venmoing out 25 venmoing out 50 where's all that going so my friend paid for my ticket to go home great because she wanted me to come so i'm teleport uber chick-fil-a uber in and out going in and getting some bs barley ben spotify you can listen to ads if we literally can't pay our monthly payments i promise torches uber more dispensary getting our nails did they're just normal black nails what are we paying for come on this was for a wedding shake shack american eagle

1:13:29it's all stupid bullshit almost all of it the necessity bills in here are rare and far between i don't think i have that many it's all necessity bills yeah then you're really a child because it's all bull fuck it's all fucking highlighted bullshit guys

1:13:52Well if I just stop eating out I'll be totally fine And all that extra bullshit All that extra bullshit Playstation Network Prime Video Netflix All the extra crap The Spotify and the Venomillionaire and all this stuff dude Yeah my friends pay me back for the Prime That's supposed to be on hers Fully fully fully fully Wait Prime Prime Prime Video Okay get rid of that shit No it's hers Well stop how long like three months but she's paying me back for all of it she better be she damn better be so you're spending it's out of control it was 750 dollars on both at least right yeah i'm not mistaken going out to eat 250 unknown shopping that's targeting amazon we don't know what that was 88 bucks subscriptions 29 miscellaneous bull this was the gardens the dispensary apple stuff home goods prime video playstation network apple's a f1 tv subscription huh stop then nails in american eagle that's all 428 dollars and then other large purchases that's been went out 75 and hotels of 43 come on this is stupid i don't get it why you have an extra 750 left a month let's take 100 away put towards the$200 you did for groceries, so$300 for groceries, that would give you an extra$600.

1:15:13Like, I don't even have to do the budget. You have an extra$600 left to go towards debt. But that's before we're adding in the student loans coming back, right? Because once we do that, that's zeroed out. What does it go to again? I was paying, it was, I was putting$350 on one and$150 on the other for my student loans. That isn't zero. So you're saying it goes from$220 to$500? Mm-hmm. And you're saying that equals$600? I thought it was$600. You think the difference between$220 and$500 is$600? No, no. I forgot that they're charging me the full amount for one of those student loans. I don't even still.

1:15:54Because it was my payment. Okay, okay, okay. What does that bring us down to? What does that bring us down to? Let's do some basics. $350, you would have left over. If you cut out the miscellaneous bullshit, you need it now only. And even if you still did the hotel and the Venmo is still included, you probably have an extra$400,$400,$400 damn dollars. It's so easy. I mean, that's reassuring. I thought I was going to have less money than that. Let's see. What's your rent? What's your rent? It's$10.40. What's your utilities? My water's metered. So usually all of that comes out to$110 plus like the pet rent and like all of the amenities and stuff.

1:16:36What's your utility? total. Come on! Including the internet. What do we got? Including the internet? Okay, very good. Gas, vroom, vroom, drive, drive. I assume you take care of that. Yes, I do. How much? Maybe like$50. You take care of car insurance? I'll do$75. I do not. Okay. Your brother spoils you. Total debt. Let's do it after the payment goes up. Just to see. So we'll call the total debt$718. Of course, it's$250 less right now to$270 less, but we'll call it$718. Good. TP Fund, anything else you need to survive? This is$100. Okay, necessary food,$300. Follow the meal prep in our debt program.

1:17:23Not our debt program, our budgeting program, and tweak it to your needs. That's enough for a month? Yes. $250 is enough for a month. We've done it. We've done it. We've proven it. The HEB. You just meal prep. it's called meal prep you have pets you said i do how much for pet food um i mean total for like her litter and everything maybe like 50 bucks a month okay do you have pet insurance i do not get it 30 okay anything else how co-pays medical what what do we got um yes uh well my premium's taken out so that's included because it's what they're my yes so co-pays anything um yeah i do have a copay my my doctor's appointments a month kind of vary i would estimate two hundred no no two appointments so for eighty dollars okay how much for the dispensary just medically necessary 150 taking 50 of that from the tp fund you're gonna have 50 left for the tp fund and then i'm giving you 100 you're there so it's an extra 100 okay anything else you need to survive nails, makeup, whatever.

1:18:32Yeah, I would say. I gave you 50. Oh, okay. That's how much it costs to get the nails. There you go. Yeah, it's just about what we thought, right? 3 ,040 comes in. 2 ,618 to survive.

1:18:49422 left. It's over what I said. Because he did all that extra bullshit. Are you kidding me? this is okay go you need to work as what i know i was just gonna say like i'm i've i've like have mint mobile and all that different stuff like trying to make sure that all those costs are low well you oh what is your phone bill sorry i didn't have that um i paid like 300 for the year so nothing so the discover card would take 13 months to pay off so if that is true then that That means this whole process, the federal student loans, I'd get on a regular payment plan when you're ready for that. 2, 11 for the affirm, 5, 5, 1, 6 for the discover.

1:19:33I mean, it's still going to take too long to pay off for my comfort. Yeah. 85 months because that private student loan is so ridiculous, which is seven years. So that's unacceptable. What I need you to do is go bring in an extra thousand hours a month. Thousand. Okay. Yeah. You can go bring in an extra thousand hours. I promise you can. in Austin I promise you can work around your health huh I I don't know I listen it's all everything's always easier said than done but I know for a fact you can go find an extra thousand dollars a month post taxes here in Austin I know for a fact go work at summer moon okay but that's the thing I can't do those things like I've worked in a coffee shop before I can't get too heavy onto those levels I can't the up and down is so physically yes because like they store everything below the counter.

1:20:18So you need to work within your means. Yes. You might have to do call center, sit down, bulls***, administrative, maybe even it's like 10 bucks an hour. Okay. Which is low for Austin, but maybe that's what you just have to cater to in order to get it. But go, you need to, you need to bring in. Or do you want to pay debt for eight years? Well, having no fun. All my debt. Yeah. No, uh, everything but your federal student loans. That's a private student loans, your discover card and you're a firm. I mean, that's, I've, that that's long. Yeah. yes that's too long for no one to have no paid for fun you won't be able to sustain that that's impossible no that's fair okay because yeah i guess we're not giving you like any entertainment or anything just that 50 right yeah which is usually just life stuff but go bring an extra thousand so a thousand four to two month goes for it that takes 25 months we just went from eight years to two years.

1:21:15Come on. In two years, you can 100 % do. You'll be 28. You're still younger than me at that point. Okay? So you can do that. Call it another three quarters of a year to get a fully funded emergency fund. So let's call it three years to be conservative. Then boom, your base level, you have a fully funded emergency fund so you don't give next time that you don't have a job. You have a fully funded emergency fund. You do have no bad debt and you start maxing out those retirements. But first, you have to just stop being a child and you've been a child through a lot of this conversation and you just can't do that.

1:21:44It's as simple as you just can't do that. And I'm excited to have you on the follow up channel and see where you go from there. But this is you follow the budget, go through the education so you know how to do all that. Go get an extra job, bring in an extra 500 to a thousand. I recommend a thousand. Call it a three year thing. Your life gets the basic and then you can start contributing 25 or 20 percent to retirement, 30 percent towards fun and 50 percent on needs, which you can do in your current situation even still right now. So this is pretty chill. You just have to go get that extra money.

1:22:16Once you have the fully upfront emergency fund, you can stop that extra job, even if you're making what you're making now, which your income will go up. But even if you are, you can still stop it and live 50, 30, 20. So, okay. Hammer financial score. Stick around for the post show. Some of the stuff that we weren't able to talk about and some extra drama and things that we don't know. The producers are going to come in. They're going to bring it up. Make sure you subscribe to the membership below. helps out this channel a lot spending in a budget you broke even money actually wasn't spent on debt but more money should have gone towards that you spent 750 dollars on bull minimum it was closer to like 850 um i'll do three out of ten there debt not paying your taxes zero out of ten yeah include that it's a thousand hours so the first month we'll cover that emergency fund nothing in savings retirement is there anything I think that my old company liquidated it so like when I left because they wouldn't they wouldn't liquidate it it's a sitting they sent me a check yeah for you to transfer it or did you liquidate it no I didn't I didn't do anything with the check

1:23:30take a look I don't know how much it was like a 1200 or something like that One out of ten. You're very behind on retirement. Real estate, zero out of ten. That feels like a stretch. At some point, not now. Hammer financial score isn't for where you're supposed to be for your age. It's where you're supposed to be, where you're trying to get to. It's about the journey. Do I have to buy something? You don't have to, but it's healthy for a good overall financial situation. You don't have to, but it is good for it. Is that because of how they make it? Huh? Who make what? The way that the whole institution is set up, is that why it's good to...

1:24:10It's good to go into retirement without having to pay for the roof over your head, other than property taxes and insurance. It's also a good way to utilize, let's say you put down$20 ,000, well, all of a sudden you're getting$400 ,000, let's say, of the house's worth. That$400 ,000 is accruing the gain in the marketplace, even though you only spent$20 ,000 going down. That's a separate conversation. We'll save that for the follow up. You're not there yet. Hammer financial score rounded up one out of 10. Check out all of our education. It's all bundled together right now for 25 % off and that's limited.

1:24:44So make sure you guys check that out. Now stick around for the post show. It's going to be fun. How big is that? Actually, we did measure it one time. What did you get? Like six and a half or more. Oh, that's so like not not like we're not trying to have a giant. You do not have a six and a half inch. Don't don't even look. Wait, are you being serious? Yes. Can we get a rule measuring tape right here? Yeah, yeah, yeah, yeah. To watch the financial audit post show, click the join button below. All right, guys, I get it. You need more financial audit. So we've decided now in our membership below, you get two exclusive, see nowhere else, uncensored financial audits every month.

1:25:24Again,$384 came in from your job. How much do you think you spent? How much did I make? $384. You don't think you overspent? Oh, I probably, I guess I did. Yeah. seven maybe i don't know also three post shows a week for every financial audit you're seeing right here on youtube in the post show we have an extra 20 minutes for every single episode where we go into more drama we can't find you on facebook did you block me on facebook no no way you can join hammer pro where you get every financial audit post show for every episode priority replies to comments custom loyalty badges and special channel emojis for the comment section And then there's Hammer Elite if you're wanting more.

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1:26:10A member stream every single Tuesday with myself and the crew. He could break up with her today. He's already decided to five weeks ago. He could break up with her today. Why is he not? Because her birthday is coming up. But when, though? Two weeks. Two weeks. Thanks for giving after that. Oh, a couple weeks after her birthday. Then Christmas is only a couple weeks. It's a New Year's and MLK Day. Wonderful human. Guys, she's just not good. Wonderful, wonderful human. I do love her. She is a wonderful person. I like her. No, she's a great person. Here's the thing. Great person. It's just she's a good person.

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