Radical Femcel Is Literal Garbage | Financial Audit

31:51That's not. Okay. Oh, you have a way of getting me completely lost because you are completely lost. What? You just dragged me down with you. Okay. So car insurance. Why would you have the car insurance, your roommate's car insurance? Because I was trying to help her out. But you need to help yourself out. You're spending more than you make. You don't have any savings to save your life. You could be under a bridge with your daughter on this trajectory. Well, that's not going to happen. It could happen. It won't. Why? Because I have friends that would let me. Sure, hundreds of thousands go homeless every single year.

32:23I also have my siblings here. Yep, and many of them have them too. You never know what's going to happen. One, they might think they're enabling you, so they're no longer going to allow that. Two, you never know. Accidents can happen. Three big fights. I don't think I'll just, I've never been in that situation, I guess. I mean, I thought about, like, oh, what would I do if I was homeless? You know, not having been in a situation doesn't mean you're not going to be in the situation. Just because I've never had cancer doesn't mean I'm not ever going to. Oh, yeah, but I apply myself to finding new ways.

32:52And I sure hope you do. What happens to all the other people that go homeless? You're just saying they didn't apply themselves? Some, I mean, why do they? Some, sure, but every single person? Not every single person. There's mental illness. Some didn't apply themselves. But there are some. where there's almost no other option in that situation. Yeah, but then they get themselves out. Most of them. A lot of them. Really? That's a statistical truth. Yes. I actually dated someone that used to be homeless. So anecdotal truth. What? You have statistics around this, that majority of those people get out of homelessness.

33:29Yes. What's the statistics around that? Well, I don't know the statistics, but I... You're telling me the majority... I didn't say majority. I was just saying that I know someone. No, you said the majority and then you brought up the person you know. That's literally what you said. Well, I didn't mean to say majority because. Okay, because that's a big difference. So again, what would happen? You already know someone that went through that situation wants to say you couldn't. Your daughter's life is too important. So why put yourself in a risky position where you're taking care of someone else before you're taking care of you and your own?

33:58Because you can take care of other people, but that's once you're in a position where you can take care of other people. You don't take care of other people until you can take care of your own. I'm learning that. I'm just a people pleaser. What was she asking you? Was she begging? No, she wasn't. Then what pleasing are you trying to do? Okay, so not last year, but... She didn't ask. What? She didn't ask? What do you mean she didn't ask? You said she didn't ask. Ask for being put on the car insurance? Yeah. No, I... Are you participating in this conversation? How much of your brain is participating in this conversation?

34:28I'm just baffled. At what? I don't know. I'm just... I don't know either. I'm trying to figure that out for you. Well, what we were talking about. We were talking about my roommate and I sharing car insurance. And how you're putting them over you and your daughter, yes. Not really. But car insurance. Mathematically, financially, obligation-wise, yes, because you could not pay that. You could all of a sudden become short on that or she's all of a sudden short. Something happens to her income and you're still liable for it. So, yes. Yes. And I mean, I don't like that. I mean, I don't know how to.

35:02Yeah, you do it and she didn't ask. We don't have to have the conversation with like, like, cause we, we've had our, I guess, finances combined since we were rooting. We can call her. We can call her in the post show. Oh, okay. I mean, I suggested her coming on the show cause then. Well, we don't have people that aren't couples. So that wouldn't have made sense. What? Oh, you mean separately? Yes. Okay. Well, we'd be happy to look at her application, but maybe we should call her in the post show. We'll keep her anonymous, but I can help navigate that hard conversation. Yeah. Cause it is, it's crazy.

35:30And then what bill did she take care of again? So she pays rent and electricity. So$1 ,439.55 on this on a$1 ,500 limit. So our credit card is completely maxed out. Interest is accruing. Everything is worth$1 ,100 more than we're making on a high-earning month. Yet we are taking care of someone else's bill, and if they don't take care of it, we're so liable for it. And then all of a sudden, uh-oh, whoopsie. I have a daughter that didn't consent to come into this world. That is my responsibility. So wonderful. Do you want me to finish explaining the half bills that we do? Okay, so car insurance, rent.

36:04It's$700 for rent, but I subtract that$288 from my car insurance because I pay that. From your rent? Yes, so she pays the rent part. No, no, no, that doesn't make sense. What do you mean? Oh, she pays the rent. Yeah, she pays the rent, and then since I'm paying the car insurance, I subtract the car insurance from my rent. This is so weird. Why are you guys doing this like this? And then we do that with water and— Why are you overcomplicating this? why are you over complicating this and you put yourself in such a position your roommates but what if something both supposed to be on the insurance or not insurance supposed both supposed to be on the water and electricity she's on the electricity i'm on on the water not necessarily you don't have to both be on the i know that's what i'm saying like that's why she's on electricity i'm on water and then whatever water bill so that's like$35 if you split it.

36:59I'm just curious why you guys are overcomplicating this. Why not just take care of your damn bills and Venmo each other if you're splitting bills down the middle? Why are you subtracting my bill that I took from this from her bill that she did with that and this and this? What happens if she gets hurt and injured, can't take care of her bills? Again, you are just putting so much risk in this situation that doesn't make sense for someone that has a child singly. Well, she also has a child too. yes that doesn't mean she can't get hurt or something bad happened to her you don't know what happens an economic downturn layoffs you don't know well we just help each other out until you can't you don't seem to understand that sometimes things don't always work out for the best that's not how the world works i mean we're both not we don't really have family here so that's why we we're basically you can help each other out but i'm good i'm more so with the venmoing instead of having your name on her insurance and all of this weird stuff you're over complicating it venmo each other back and forth for things that you guys are splitting take care of your own insurances yeah it's just less venmoing or yeah but more risk because your name's on it you're liable you can't possibly can be confused about that no i'm not i'm just i guess what is happening I trust her.

38:15No, I honestly, I probably trust her too. Sure. You do not know how the economy is going to go. You do not know what life events are going to happen. You don't know if she's going to get hit when she goes outside next time by a car. Things happen all the time. Is there a less than likelihood chance? Absolutely. But you are allowing that to dictate you. Do you have what's in your savings? Nothing. What's in her savings? Nothing. Okay. So there's this is this is and you guys work the same job. So if an economic downturn does happen, maybe you both laid off at the same time. You don't know. You don't know.

38:48I think the things that if an economic downturn does happen and we haven't had a recession in, you know, like two decades, like a true recession. Now, technically, I guess we actually did. But in terms of something like the Great Recession or the dot-com bubble pass a lot, dot-com, oh, my gosh. That stuff, you know, it's like a once every 20-year type thing. We're kind of on track for looking for a major recession, kind of. If it continues that cycle, typically what happens when people, you know, when people have a little less money, they order less of the bullsh** and less Amazon packages, meaning less delivery drivers.

39:23You both work that job. I'm not saying that's going to happen. I'm not saying I want that to happen. I'm just saying you're just allowing for no risk of something happening. You have zero dollars in emergency fund and you guys can't take care of each other that way. I mean, I would love to. No, you wouldn't. That's why I'm here. No, you. That's why I'm here. You guys are copying and pasting each other Every episode That's why I'm here Come on $659 going out to eat No you're not trying That's not what you want That's what you wanted That would be going to savings or paying off debt That's not what you want You want to go out to eat$659 You want to spend$750 on groceries $600 on fast food?

40:03Going out to eat? Yeah $659 And then how much on food? You said half of Walmart was groceries, so$750. Oh, wow. It's an eye-opener. By the way, that's actually her personality. I know someone's going to ask in the comments. She's being weird. We've had many conversations in preparation for this episode. Some people are just unique individuals. because someone's gonna ask like why don't you have someone who's like wants who's being serious on the show i know you actually do care about this from everything we've done you're just a you're you're yeah you're interesting you're interesting business owners you're making money but do you actually know where it's going if you're consistently scrambling to cover payroll taxes and expenses it's time to clean up your cash flow with today's sponsor relay relay is a business banking account and money management platform that puts you in total control of your business finances.

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42:09Everything is online and easy to manage from your phone. No monthly fees, no minimum balances, just full control of your cash flow. So take charge of your business's finances today. Go to RelayFI.com slash Caleb Hammer to sign up and get a$100 bonus when you open and fund your account. Seriously, stop guessing where your money is going get organized with relay and a future self will thank you so 52 dollars on a monthly basis is your minimum monthly why did you purchase 312 dollars on a credit card that is growing 37 dollars 80 cents on a monthly basis interest that you cannot pay off why the possible would you spend money on this well that was like i think that was my first and only credit card so so that means you should spend money on it when it's getting pushed and maxed out you can't pay it off and it has accruing interest what kind of answer is that only one credit like i only have one credit card.

42:57I feel like that's pretty good compared to a lot of other people. You do not seem to understand the question I'm asking. I'm asking why the are you purchasing on it? I behavioral I behavioral probably but why do you think I talk to myself but then I end up doing it but why does it have to be on this versus your debit card? Because my debit card probably doesn't have money at that time. So you can afford it then if you have to put it on debt. This is exactly why we have the Fizz card for people like you. This is why they use that. It's in the resources just like everything else. Debit card that builds credit.

43:40Because I know you care about the credit part. That's why you're using this. That's what everyone says. You want to build the credit? Good luck with a maxed out credit card. You want the rewards? Good luck with all the interest accruing. So at least this, it won't allow you to spend money if you don't have it in your checking account. It's a debit card. And you cannot have access to credit. Look, the way you just define this is I did not have money in my checking account. So I use the credit card. If that is the case, you cannot have a credit card because you are misusing it. That's why I only have one.

44:08Thank you. But you max out the one. But I also. The one. I mean, I also use possible sometimes or Dave. Okay. I've never heard of possible, but I know what Dave is. You have the little pay advance. Yeah. For sake of course. Come on, dude, you have a f***ing kid What are we doing here? To be able to pay bills No, no You spent$6.59 eating out F*** you to pay bills That's not true, we know where your actions went You could pay bills But I am paying bills You just said you had to pay advance to pay the bills And you're maxing out a credit card Oh yeah, but my bills are paid Only because you're pay advancing Only because you're putting money on a credit card Because you don't have any money in the checking account they're not paid with your money they're paid with someone else's money whose money if it's are you kidding me you're borrowing from dave are you kidding me well yeah you are putting money on a credit card because you don't have any money in your checking account how is this not making sense on the credit card i pay i pay the 56 minimum and then i you know so it's and then you spend 316 or whatever it was 312 because you didn't have money in checking account i mean how are you not dude okay how can i break this down how can i break this down for you i need i need you to get this if you don't get this there's no conversation to be had so i need you to understand this before we move on i've never had to break down something so simple that i can't figure out how to uh do it um are you can you explain to me what i'm saying you were saying okay so you're saying that i'm not paying my bills because the credit the credit i have is like it's debt and debt is not paying my bills i mean it's not the best explanation but try it again what am i saying on bills with my credit card is not paying bills because it's debt and debt what about dave and dave not just dave you're in the right direction okay in the right direction i'm more saying you're only able to pay your bills because of the money that you're going to spend on your debit card you're putting on a credit card because you don't have enough money you're checking account and then in order to pay your bills you have to take it from dave yeah and then makes sense so you're not paying your bills not with your own money you're borrowing money you're paying your bills with other people i mean whenever i worked at mcdonald's it was probably worse because i i did the great like every that doesn't mean we should still be bad because it was worse previously what is up with that shirt what like what is it well i just don't have really because your ex yeah i hurt me instead of what it goes crossing out men boys because i just i just have not had the good best experience with my relationships date better people most men cheat yeah is this going to be one of your interesting things where you don't have a statistic okay there you go yeah not all because you had a one life experience just like multiple i had four boyfriends four cheated yes all of them cheated oh my god i'm sorry that sucks that sucks that's horrible i mean them yeah i mean that's not on you like they're don't get me wrong i don't want that to turn you off from the existence of operating society again yeah no it did take a toll for for a minute from being cheated on yeah i could imagine i could dude if i was cheating on i couldn't yeah i don't understand why people do i'm like just break up with it doesn't it doesn't correlate with me either i really don't get it okay so this credit card let's see where we're unhealthy loyal well it is showing that you're dating bad people i just don't know the people you've dated and i also i call them munchers or like leeches because yeah but i just want to maybe we're finding different personalities next time yeah it seems like i have a whole kind of personality that attracts me.

48:05And maybe we're not choosing those. I like nerds. Are they all nerdy? No. They're more extroverted. I'm more introverted. How long does this take to pay off just doing the minimum payment without you spending any money on it, which is impossible for you? But let's just say you did it and you paid the minimum payment. Good job. How long does it take to pay off?

48:38that's a good question come on you know I'm looking for an answer that you think you're guessing yes I am guessing I'm going to say a year two years 11 f***ing years yeah go ahead be in your 40s instead of changing any behavior Lynn's International DoorDash and Raising Canes Chili's DoorDash's Chipotle Amazon. Huh? Huh? What? That sounds familiar. This sounds like you're f***ing up your entire life. You're f***ing up your entire life. Even if it's a spoiled daughter, which I love the heart. I love the heart of that. And I want you to do that as much as you want. You cannot do it if it's putting her in a more dangerous position.

49:23And if you do not have an emergency fund, you are putting her in a dangerous position. I grew up in dangerous positions. Dangerous positions of foreclosure notices. Do you want your kid to have to go through that? Eviction notices? But she's not going to. That's not how this works. I don't know how to get that through to you. I had another guest on the show that had that same mindset. That's not how this works. That's not how the world works. How would I put myself in position? Because you don't have an emergency fund. If you get laid off, it might happen. How is this difficult for you? Come on.

49:54Dude, do you think to the potential low millions that that happens to in the United States on a yearly basis that get a notice, you think that it just, like, it wasn't going to happen to them? Like, I'm so confused. Or, like, it wasn't, I don't even know. I guess I just can't imagine myself in that position. You're literally using a, girl, you're using a pay advance service. You don't think you're on the edge of that position? You're more on the edge of that position than anyone. You're using a pay advance service. F*** you.

50:31I just I need to get through to you here dude I don't know how Well I thought we were on the same page I said I agreed on the Yeah but you somehow don't think an eviction notice is possible Oh I think it's possible I'm just saying I don't You said it won't happen to me Oh my gosh What are we laughing about? I don't understand why you don't understand can you explain why it won't happen to you because well i mean yeah i could get an eviction but i'm saying like homelessness i can't imagine myself can't imagine it because you can't imagine it's not possible if you don't see something that's not true if you don't see the curvature of the i do have a backup plan though if i'm homeless like i know what i would do what's your backup plan i would every day i would walk around look for change this is an actual thing i i think of you know all the scenarios yeah so think of the scenario where homelessness is a possibility so maybe we have an emergency fund in order to do that we cut back on the things like donuts you have a kid that is living in a risky scenario because of your selfish actions it is not cute it's not funny it's not an attractive quality trait it's disgusting honestly so shut up don't smile at that it's disgusting you know it's really interesting it's really interesting just you you're the way you act this the way you act at any kind of pushback or any kind of question you have to act with some kind of like filler some kind of like immature little sounds i'm like like you're i feel like maybe because you had a kid so young or something you have not been able to mature beyond that moment in time you have not gone out and experienced or something i don't know i feel like you are a permanent 13 year old or something like i don't know what's happening and i'm not i'm not trying to say that is an insult it's really not it's just an observation and something i want you to think about something i want you to think about do you go to therapy yes how much Well, it was like once a week.

52:27But I was going to the free one. But I just got insurance. So hopefully I can get it. Well, you're a guest on the show. So I can give you three free therapy sessions with the people I use at Sondermind. Definitely. But I need you to go to therapy and work on this. Just the way you're acting and the way you view the world. It's just I can't have you treating this like a child. Or else your literal child is going to go through a shitty life. And that is not fair. My dad always said that I was like two years behind behavioral wise. yeah well you're not acting like a 22 year old 24 year old oh sorry you're not yeah you're right yeah what do you think is yes the math gosh just i feel like i'm being mean but i just like i i i maybe this isn't the right conversation to get through to you it is for a lot of people the median guest pays off 10 000 in 10 months i hope you're a part of that but you don't seem like the person that this is resonating with I'm I don't know okay what is W what am I seeing here what's W oh that is my car or car loan Wes what car do you have I have a Ford Echosport was it new when you got it it was$40 ,000 okay so you gotta use car I'm glad it's at least not late oh my gosh$406 a month that is a large sum of money for you that is a huge sum of money for you that's a huge sum of money regardless but for your income situation that's a huge sum of money $14 ,642 left what is the interest rate on this?

53:56I think$17.9 no! that's horrendous! Do you even know that's horrendous? I mean I thought it was 12 % but whenever I looked at it so is it$17 or$12? it's$17.9 I just for some reason I thought it was$12 you just found out yeah I just found out 18 % interest rate on a car. Yeah, wouldn't that be like 140? Yeah, what do you think it's worth? What do you think the car's worth? $8 ,000. You nailed it. It's worth $8 ,000. Nice. Well, not nice, but my guess, nice. Yes, the 13-year-old, yes. It's because of me driving. Well, you're not going to like this. It's because of you driving. No. The whole time of me working at Amazon, my roommate was also needing to get her car fixed so she was also using my car roommate inbreeding financially incest yeah well okay so she she was basically using my car for a whole year but with therapy i had that tough conversation and she finally got her car fixed so now she has her own car good so we are able to have the tough conversations yes it's just very uncomfortable that's why it's a tough conversation whenever it's uncomfortable i start being extra goofy yes and hence you're experiencing that hence this character trait that i don't like okay i'm sorry it's it's i shouldn't be mean about that maybe it's maybe i think i think i don't like it you're like the you're like the popcorn girl that thinks she's funny if we're going she's like the hell i don't even know what you're talking about i don't know that personality traits never vibed with me so i apologize if i'm being mean oh no you're good like i understand people are not gonna like me

55:47okay yeah i mean it's not a great feeling but it's okay a lot of people don't like me either it happens like some people don't like my personality it's fine it's fine it is what it is it is what it is it is what it is i mean we i feel like we have like same sarcasm but like you and me yeah like but yours is more like on a mean side and one mine's more on like a oh trust me i can get real goonie it's usually in the post show and are different behind the membership stuff that's that's where we have like extra fun but i don't do i have access to that or no no unfortunately we're actually not able to give direct access it's like not an option we have for the youtube memberships okay i'm sorry i i would i legitimately would okay so yeah 17.9 percent on the interest yeah that's insane 14 ,642.34 i think it's worth eight thousand dollars minimum payment 406 that's crazy yeah how much is that going towards interest is that like uh at this point how when did you get the car uh it's not two years ago i don't have the statement where it breaks down how much is going to so and what's the term of the loan oh okay so you got it two years ago yeah it's about a six-year loan yeah it's not you're not over that hump of interest more will start going to principal and you know like a year and a half ish so how much do i have to like put down a month to actually i don't have it does i don't have the statement breaking it down well can't you do the like the math of 17.9 well we're gonna go through the debt payoff strategy regardless i don't want you to put necessarily anything extra towards us right now anyway like you know maybe the credit card will come first maybe this will come first well i mean i did file my taxes and i was i wasn't sure if this was at least you did that You're like a step ahead of the guests on the show usually.

57:33Oh, yeah. No, I count down on income tax. I like, well, I'm a single mom. So I get that deductions. Yeah. So like I'm like not the deductions. So ready. So, yeah, I got that. So I should be getting. I mean, I don't know. Should I tell you how much? Yeah. Six thousand six hundred. Good. So I was thinking to use that. Oh, well, we'll definitely factor that in in the end. Don't get me wrong. And maybe the$2 ,100 that I owe on an apartment. You're telling me it's impossible for you to get evicted and you're telling me you owe$2 ,100 on an apartment? I was not evicted. It was the... Yeah, but it's a pattern of behavior.

58:14But, okay, listen. What? It shouldn't even be$2 ,100 because they screwed me over. What? What do you mean, what? What is it for? Okay, so it's from the month that I was supposed to be there. but I was only there for two days and they charged me the full month. But I was only there for two days and they even told me that they were going to re-rate me. Did you have proof of that communication? Yes. What? No. It said it should have been$60. They said that? Yes. In email? Yes. And I tried to dispute it and stuff but again. Dispute how? Through the credit agencies or through them? Like through them.

58:53And? They're just bitches. Like they don't. That's not, no, no, no, what happened? They charged me$8.99. Yes, what did they say? They didn't say, they didn't respond. Go in there. But. Go into the office. If you're not getting a response, go there. Well, life happens and I forgot, so now it's been two years. Yeah, it's$2 ,100 is a lot of money. Is it in collections? Yes, now it's in collections. Shit. Oh, well, it's pretty much. You can try to dispute that specifically and show the email. You know, I tried to do that too, and they're like, oh we're waiting for the management management uh response and i'm like more management from who what do you mean dispute management from the apartment no i'm saying disputed on your credit report oh i never had to do that so like do i just ask if i can pay half of it or something no that that would be talking to no you're talking about negotiating okay so i'll get you i'll look at i'll look at what you got after this and we can talk about we can talk about that yeah i want to pay that off but i also told my roommate she she owes some of that too because she was the same person yeah she was super reliable this narrative is fully forming she sounds like someone who can 100 is that what this is is that what i'm looking at here because i have a collections in front of me yeah the 21 2162 yeah that's the apartment okay wonderful i said that she was gonna owe 600 of that.

1:00:18And what did she say? She said, okay, but not right now because she has to go through like divorce and stuff and she has to come up with her stuff with that. But I was like, I need to pay that off because it's a divorce. Yeah. This is huge for financial audit for a year now. My team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life, and then teach what specific investing strategies applies to you in that situation.

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1:01:35You will not regret this. That's why she needed a roommate because she was going through - When? Two years ago. Why is she still going through the divorce? Because she hasn't gotten an attorney. They're fighting it out? Well, they were married and then they have a kid, so. Well, how much is, oh, so they're fighting over custody. Probably. And she doesn't think that he wants to pay child support, so. Does he want to? Well, the court will tell him. Yeah. I'm like, just wait for that money. Yeah, never get a woman pregnant, Caleb. Look at that. She actually adopted. So, it's a whole different thing.

1:02:07What was the situation of the adoption? um so from my understanding they adopt them together yes and they were married yes they had to be married to adopt because it was through his family they adopted i think it was baby daddy's cousin does he want custody if he gets split custody why would he give support he wouldn't unless he had more well he doesn't i mean to be honest i don't even think he wants her why would they adopt this is disgusting yeah she uh y 'all disgust me me or the baby daddies in the other ways that we were talking about but come on oh yes they disgust me in that way that's crazy like the actions around your spending is like your kid doesn't matter and then their actions around they adopt and now they just don't give a about the kid him like it's just i'm this is this conversation is filling me with disgust yeah she has a lot going on so i i said that She just needs to pay me.

1:03:02Which is great for you to rely on her again. Come on. Are you seeing this? Are you not seeing? You're defining what I was saying earlier where this is such a risky situation. How do I get myself out of that situation when we have already combined? Is the insurance being paid on a monthly basis? Yes. When's the term of your insurance done? I think it's like six months. Like every six months. Yeah, the adopted child. So it would be counted for that. But I wanted to look it up just to be extra safe in the state of Texas because you never know whether he adopted or whether it was his DNA, you know, but since they adopted together.

1:03:35Okay. At least that's what I'm seeing. I'm not a lawyer. This is the, you know, the quick, quick check. But I mean. Well, this is insane. Have you even seen like doctors just Google something right in front of you? So like what, you know, like someone just like a lawyer searching it up because you just said you weren't a lawyer. Yeah, but don't they search more databases? I don't know. I'm pretty sure I've seen I don't fucking know I don't know okay okay here's credit wise real estate zero personal loan zero that's good oh my gosh credit cards we already saw yeah I paid off all my so this is we already saw everything here right or is there another debt that I don't know about no that's that is there any other I don't know where it's at rack it's an iPad with an Apple pen it's like 1100 you do seem like an iPad kid this is making sense okay what tell me well Well, yeah, no, I purchased that back in 2021.

1:04:31And I got, it's like$1 ,100. I have not made a payment in a few years. A few f***ing years? Yeah. Why? From who? Who'd you borrow? Progress lease or something off of Best Buy. I don't, yeah. How is that not in collections yet? I don't know. I don't know how it's not affecting my credit. I even called them and they say that it's not affecting my credit. Who'd you call? The Progress. lease. Okay, so it's still open with them. They haven't sent it to collections, maybe internal collections, but they haven't sold it off or reported it. I haven't opened my thing. What did they say? Did they say that they will sell it to collections?

1:05:08No. They just said that it won't affect it, just make a payment whenever. Are they just letting it balloon? I guess. I don't know. I'm surprised they haven't even came in and like, oh, give me my iPad. You haven't made any payments or anything. Maybe they're trying to allow that balance to balloon, balloon, balloon, so when they sell for pennies on the dollar, they get closer to recouping their cost. I have no idea. But there's still a way for you to get f***ed in the end on that. Any other debt? I believe that is it. Would you know? Yeah, that's it. Here's your checking account, which we had to zoom in on because when you sent your checking account, it was about this big.

1:05:47Oh, hey, that was the PDF file. Yes, after he blew it up. Glasses? Huh? With your glasses. Like, you can read with those. once he blew it up yes because we had to fix your confusion okay you went in circle gate got some bullshit lost and found raising oh my gosh suspending on here is fucking crazy dude this entire sheet is filled with bullshit bullshit bullshit not surprised yeah i'm kind of curious on how much bull i already told you the amount oh 5 000 right or is that included with Have you been here? Yes. You said$600 something with fast food, but the other bullshit, what did you tell me a number?

1:06:33At the time of this,$157 in checking account. That is risky as f***. How you didn't have an overdraft? I have no idea. Okay. and then poor house downtown some restaurant downtown Bury Market 360 yeah you went and got some bull and got some bull McDonald's Apple Bill Whataburger went and got some bull Apple Bill she's what is an apple we're gonna have to look at your subscriptions went and got some bull smoothie went and got some bull what are you stopping in and getting $3 purchases from constantly every second of your life that's my energy drinks for work yeah all your miscellaneous bullshit Something I didn't tell you about earlier, guess what?

1:07:16That comes out to an additional$3.47. So stack that with your Go-NOT-T. You're basically spending$1 ,000 on bulls**t there. Well, the energy drinks. Yeah, buy them in bulk if you're going to buy them. Incorporate them into your grocery budget. Don't, by the way. Brew coffee. I do brew coffee as well. Brew double the coffee. Well, I drink the energy drink. Yeah, you're not paying your damn bills. Because you're pay advancing. Because you're maxing out credit cards. How have I not gotten through to you yet? You know, even like the guests where it's like, it seems like an insane guest. I know I'm at least breaking through to them by the time we get to this.

1:07:52Come on. The fact that you are not understanding what I'm saying. Come on. Dunkin Donuts, Subway. I guess I shouldn't be mad about that. But this is, I don't know. I don't know. I feel like all this work. Okay. Apple Bill going in and getting some monster. Apple Cash sent out. Apple Cash sent out. What is all that Apple Cash sent out? uh well the apple cash is also with well is it oh okay apple cash what's the 80 and 21 80 21 80 and then 21 oh yeah well that could be either um for like vape oh you're vaping don't vape you have a child you want to be there i've had people on the show their her lung was collapsed from vaping.

1:08:36I don't know. Fuck me. I don't know the one who's with someone who had a lung collapse and is now still vaping. Like, come on. Two times in the show? What are we doing? Don't do it. Survive for your kid. Starbucks. Going and getting a monster. Going and getting a monster. Going and getting a monster. Going and getting a monster. Starbucks. Oh, 3724 from Starbucks. What the fuck are you possibly doing? good McDonald's going in and getting a monster going in and getting a monster this is a joke every day I go and get Santic Santicox Santicos it's a movie theater in San Antonio oh my gosh and then more movie theater more movie theater Starbucks more movie theater Raising Cane's Monster Monster

1:09:31Apple Cash sent out So vape Monster Monster Possible Possible Two possibles in a row $34 Oh I paid I was paying a loan off That I borrowed Oh possible That's the day of alternative I've never heard of possible Apple cash sent out again So we're killing ourselves And there's more movie theaters In five below Go to the park with the kid Go to the f***ing park When was her birthday? Go to the park Congratulations Happy birthday We're going to a park You're a six year old You barely know the difference she also likes doing that too but i want to take her out to i get you want to and i like the heart but if you are potentially putting her at risk for the housing situation or future things you're it up you're putting her through more stress in the end she doesn't know it yet so do you have any suggestions but we have warm days all the time especially in san antonio yes it's cold today but it'll be it could be warm tomorrow in fact on i believe on friday and saturday it's gonna be like 60 or 70.

1:10:27It's going to be fine. It's an example. It's always hit or miss in the winter here. Probably a monster. Cash app out $110. Movie theater. TikTok f***ing shop. Good thing it's getting banned for you. SBS. Is that even true? We will see. I don't know. By then by now it might be completely different but it hasn't been done yet. At the time of filming this. More epic. Shut up$395. dollars. The what? $3.95 Apple Cash. Oh yeah, that's that was rent. Monster. Panda Express. Monster. Monster. Apple Bill. Monster. Apple Cash sent out. Oh there's more. What a joke. Well, I six year old kid we have to take care of.

1:11:18A roommate we can rely on. Uh huh. Bills. We're paying our bills. Our bills are paid. F*** you. Oh, wait, this is a different account. Starting balance at$1.60, ending balance$2.06. What's this account?

1:11:33I know you couldn't do a PDF. You probably don't know what this is either, but what it will just like, try, try, try your best here. I'll let you touch it. Thank you. Maybe I need glasses. Oh, this is my, um, child support card. I didn't know this. Okay. That's my child support card. So. So I have three. You spend your child support on monster Dunkin' Donuts, Planet K Games Monster Panda Express Claire's and GameStop GameStop I don't even remember that one Well everything is coming together now guys Good use of child support That okay You're being real supportive I was going to say the bills are being paid but then you're going to yell at me And that they're not being paid Welcome to reality So income 2950 Your debt minimum payments It's not insane I mean, that car payment is hard, but you don't have a ton of debts.

1:12:26$5.58 on a monthly basis. What's your portion of rent? Your portion of rent. Not with the funky math. Your portion of rent. Okay,$700. Utilities? Like all of it together? What you pay for? Well, okay, so$35 for water. $65 for electricity. I pay$60 for Wi-Fi.

1:12:5460 every three months for trash okay so 20 a month um you have renter's insurance no get renter's insurance you dumb tit i'm getting 10 renter's insurance it's dumb not to have renter's insurance that's why i said dumb tip please if something happens make sure you're covered 10 dollars it's so cheap i have renter's insurance under my well under my car insurance Well check I'll take it out for now Put it in if you need it Okay What's your phone bill? My parents are actually paying for that Yeah that makes sense I'm thankful for that Yes you're 16 Okay But that's fine I guess For now Yeah it was$70 Groceries You should be able to do$500 The roommate She takes care of herself TP fund You should be able to do$150 That takes care of essentials And anything else you need Okay I know that can get a little complicated around school beginning season.

1:13:51Sometimes you take a little more in a month and you do less the next month. Please download the Simpler Budget app. Please. You get it for free forever. The premium version with all the classes and all the live sessions where you talk to financial advisors. Please do it. Don't f*** this up. Gas from Drive Drive on a monthly basis. $300. Okay. Car insurance, your portion. $288. That's your portion. Okay. Because I'm also - Medical expenses. I don't have any so far yet. Therapy is not a co-pay? No. Medications? No. What were you saying? I just recently got insurance through my work. Good, but no expenses outside of that?

1:14:34No. Gym? I just got a gym. How much? That's okay. I support it. 35, but in February there's going to be - How old are your pets? How old? Yes. Both of my cats are like two, three years old. And then my dog just turned one. Oh, shit. We got to take$130 out of your paycheck for the health insurance. Okay. So your new income is$2 ,820. Okay. I'm sorry. How old are they? Like two years old for the cats and then a one-year-old dog. Are they healthy? Yes. Okay. I'm putting in$120 for pet insurance. Or else you can't have pets. Or else you can't have pets. because you are not going to be able to cover a life-saving emergency.

1:15:23And if you can't cover it, you shouldn't have them. Are you incorporating my insurance that I just got too? No. Oh, okay. Pet insurance. Pets aren't covered under your health insurance. I know, but like for the budget. Then why the fuck would I do that? But for the budget part, wouldn't you incorporate to see? Your insurance payment? Yeah. Yes, it's taken from your income. That's why your net income went down. Oh, okay, okay, got you, got you. I'm putting in$120 for pet insurance. anything else that needs to be in your budget that i do not that i have not put in there i feel like i'm gonna forget something later on you probably will but build the budget go through the budgeting class so you also know how to build the budget go through well eventually the investing class again you get everything for free we want to set you up with so much stuff for success we you get so much they get it all bundled together for 15 off all the classes and i think everyone should take it but you get it for free so make sure you can do it or else i'm gonna to be pissed i'll make you proud you better i mean we can put you take take the free course through course careers as well so we can get you set up with a certification to boost your income or change your career if you ever want yeah my dream job is actually videography videography well they don't do that but go go ahead and take take the free course and i mean i would like to okay your budget's over by 16 you need to you need 2 836 is why you're paid fancy this is why your credit card's getting to max this is why you're not making any progress this makes sense can you pick up more hours at this job is that an option or do you hit 40 and that's it rare rarely okay i'm a trainer is it consistent do you know your days in time yes or does it fluctuate um it doesn't fluctuate good what work days do you work again i remember they were longer hours i work um tuesday thursday friday saturday good tuesday thursday friday saturday wonderful Sunday, Monday and Wednesday I'm off yes, what happens to the kid well the kid's in like first grade now, second grade right?

1:17:17kindergarten, kindergarten, okay so they're in public school good, okay you're working at a coffee shop or something while she's at school on Monday and Tuesday, Monday and Tuesday yeah just something during the day, anything you can do Monday and Wednesday, even just going in and plugging numbers into someone's system I tried to apply for Starbucks well okay you didn't get that one, good job work more, figure out other ones well they said that I needed specific hours to go. Yes, they will. You're going to have to apply like it's a full-time job. You're not going to apply to one job and say, oops, I didn't get it.

1:17:44You're going to be applying to everything and you're going to give them your work hours. You're going to get no's 99.9 % of the time, but you need to work more. The fact is you are negative$16 on a monthly basis now with your health insurance. And I'm glad you have health insurance. It's something that you're required to have. And even if we are missing anything from this budget, you're going to be negative even more. And this is just basic survival. I didn't put a single cent of fund money in there. And we know you spend money on fund approximately a thousand, if not a thousand,$500 on it, which is not surprising with how you're doing the Dave thing.

1:18:09How much do you owe on Dave right now? Because I know you haven't back paid Dave. Yes, I have. Really? So you're currently on Dave. Okay. So I have not used Dave in a while. It's just that. Oh, no, no. Well, I saw the other version though in there. Possible. I paid off that. Okay. Never use it again. Listen, you are getting a, even if you're just nannying or dog watching, you download Rover, go walk some dogs and stuff during that time. There is so much you can do. Even if you're just driving Uber Eats or something, literally. I used to do Uber Eats. Listen, it's not as good as it used to be. But the thing is, there are so many options and the limit is you.

1:18:40So whatever you can do to work during the day, well, she is at school on Monday and Friday just to make progress. Bring in an extra$300 a month. This debt will still take a while to pay off, but at least we can start making progress. At least with that extra$300 a month, you have 55 months. And that still takes four and a half years. But obviously, hopefully pay increases more hours, holiday sessions, stuff like that. but the fact is you might have to take something to course careers and try to get a better paying job that might have to be something that you're doing I do want to go to college well that's I'm sorry that's going to be difficult right now yeah with the reality of your situation if you're doing it we're getting out of debt we might be cash flowing some community school oh yeah no my plan was to do community I know but even still we can't take away hours from work right now because your minimum survival is this and I need you to work more than you are so I You need to pull in an extra$500 a week.

1:19:34And that's going to be difficult if you work those two. It wouldn't even be eight hours. It would be six hours at each. The earliest I can drop them off is seven. And then I can pick them up by two. I got you.

1:19:48But with my income taxes, I was thinking I could maybe. There is that. But you'd be working. No, that'd be$41 an hour. At the best, you'll be half of that. but the roommate's okay with watching the kids on some evenings right? You're going to have to work some evenings. We alternate days Good, good, good, good. Just the ones that you're alternating, you're working This is the grind time. You're in the grind time. You need to work That's the fact. Your tax return for a second That is great. Let's pay off the credit card with the tax return. Let's put $1 ,000. No, let's put let's put$2 ,000 aside on the savings $1 ,500 to the credit card that's gone and then with the remaining amount we're putting towards the car loan and we're aggressively paying down that car as quick as possible okay we're leaving the collection so you can negotiate in the end we'll talk about it on the financial audit follow up channel when you come back on but you have no emergency fund you're dramatically behind on investing like you're in a scary situation I don't think you fully realize that investing in something because of your situation right now no but yes you should have been at this point even if minimal yeah i have no like i would like to know we'll get you there and you'll take the investing class as well but either way knowledge of that we will get you there that's not where you are today i need you to focus on this i'm just saying you're in a very dangerous position the fact that you don't understand that is worrisome and i need you to get a fire under your butt because i'm scared for you and your child legitimately and you do not deserve that as a human on this planet i do not want you to have to go through that but the fact is that the choices you are doing have gotten you here this has all been your choice all been your choice The kid coming into the world, okay, that happens.

1:21:24But from here, the financial choices that you're making have been your choice. You're in a blessed situation where your rent's relatively cheap. She's going to watch the kid sometimes and you're going to be working. You need to bring in a minimum$500 extra a month. That is a minimum. Yes, I'm glad the credit card will go away. You're going to actually close the credit card. You're going to close it. It's going to hurt your credit, but you're going to close it because you cannot be trusted. Until you can build the behavior necessary to have a starter credit card again in the future, you cannot have it again.

1:21:46You can use the Fizz card so you can still be building credit. but and then we're paying off the car as quick as we can with that i'm guessing with the extra 500 hours coming in on a monthly basis with where your car will be you'll be out of debt in two years you'll be out of debt in two years but you'll have pay increases and better months so you'll be out of debt and probably i'm guessing about a year and three-fourths then you're going to get a fully funded emergency fund probably a two and a half year process so should i not try to refinance my car um because i'm i was trying to build my credit up to refinance my car well you're you're trying is complete failure because you're at a max out car to car so that doesn't make any sense that's not the make or break because we're going to pay off this car so quick that it'll be pretty mid it can if you're if but the fact is i don't want you to refinance it and think that you've made progress so all of a sudden we let the foot off the gas i don't want there to be a psychological failure there that's the only reason why i'm like a little against it i'm not against it in a mathematical perspective but because i refinanced a car before and it it's and look where you are now so it doesn't matter hammer financial score you thought you're two let's see you spent over your budget so that's a zero out of ten you have collections so debt is a zero out of ten emergency fund you don't have a single dollar zero out of ten retirement doesn't even know what that is zero out of ten real estate zero out of ten you don't own anything yeah through my payment i think i have a 401k oh how much is in it i do not know how much you think is in it i'm gonna say 12 000 12 000 i don't know that's not reliable is it what do you mean like i i don't know do you guys know by chance okay no you did not in in my uh pay stub somewhere it said like 401k i don't know probably the amount that went to it do you know the percentage you're putting to your 401k no probably like hey hey i need you to talk to hr just anyone at the company whatever even a manager figure out your contribution that's going to 401k if you're taking a match is there a match i think so take the match only do not contribute anything more because you do not have enough to survive what do you i'm not very educated no it didn't you failed trust me they didn't teach me how to file taxes they didn't teach me how to do x most don't you have failed life let's be honest you have access to google and youtube and everything yeah people are wondering like why would you charge for a class so because even with the free resources out there people cannot figure it out people cannot wade through the information there's so much out there that we put it in a good navigable way and actually teach real value like i'm good at math like i know listen it was my strong suit listen they offer a they offer a 401k match probably you're going to take that match anything over that match you are not going to do so what no what is the match we'll talk about this in the financial audit post show because I am moving on and I am currently done with this because it was a little frustrating retirement I'm putting it a 0 out of 10 because you I'll put it a 1 out of 10 because you can't tell me anything I'll round up to a hammer financial score 0.5 out of 10 guys join us in the post show we're going to explain the match but we're also more importantly going to call and have that confrontation with her uh roommate who apparently refuses to do anything mature in this entire world and that'll be good and join us for the extra thousand hours of extra content we have in our elite membership best value for your dollar check out all our education 15 off bundled see you there we need to get your roommate off the car insurance confront her call her right now yes ma 'am better believe i need like a few therapy sessions before this time They suggest that we get separate car insurance.

1:25:31I pay more on the motherfucking rent, so if you're at risk of me taking care of my bills, you're fucking a bitch. You have one kid. You don't need to. He's a fucking ass. Fuck you. You're a fucking boy. He's a fucking bitch. He's great. To watch the Financial Audit post show, click the join button below.