Tax Evading Freak Disgusts Me | Financial Audit

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. Pokemon? We know this is a bad card so why so much money being spent on here dude? I don't know why the minimum is that high. Because you're not paying on it! What do you mean? That's what happens! I have to. It's stacks! No you're not! It says no! Hello my name is Adam I'm 32, I live in Virginia Beach, Virginia and this is Financial Audit Thanks for coming down to Austin. What do you do there for a living? In Austin? Oh, in Virginia Beach. Sorry. Are you working while you're here? Yeah, what do you do? I could be. I work remotely in Virginia Beach.

0:43I work for a company that basically does tech solutions and I'm pretty much just a software developer. Software developer. What are you making? I'm making$107.5 a year right now, but my wages are currently being garnished. Being garnished from who? The government? is there anyone else okay i'm assuming for taxes yeah um what are we not paying and what what is up with what why is everyone on the show obsessed with like hey there's taxes to pay let me not um well well wait is it taxes because it could be student loans no it's taxes it's uh taxes on my honda crv what you're being garaged for taxes on your honda yeah i kind of i've actually never even heard of that honestly well property taxes that one i've heard of yeah it's property taxes on the honda so yeah okay yeah yeah it's interesting how much was owed and why didn't you pay it um so i think it's about two years um i think it's totals about 1250 um and why 1250 1250 1250 1250 yeah you make a hundred something yeah um i kind of why did you pay you make so much money forgot okay but when all of a sudden like the threat of garnishment came up why would that not be like okay maybe i should just pay it then well the the threat of garnishment didn't really come up it was more like uh now you're being garnished okay then just pay it instead of being garnished you make money yeah but like but you make money i don't know how much they're gonna garnish so i'm just like probably the full amount maybe some penalties you know if i'm already gonna maybe like put it in you know like small payments i just know that this is a drop in the bucket compared to what we're going to get to really so sake okay yeah has the garnishment hit yeah no so you just got notified yeah i got an email to my work email and it doesn't say how much or details or anything no not that i saw i had payroll 5 784 does that sound about right feels a bit low low um i i feel like it's probably closer to if if if we're doing just like every like two paychecks a month maybe uh i'd say probably closer to 49 or 59 maybe I think.

3:33Okay, closer to$5 ,900? Something like that. So we're only a couple hundred off? It still feels a bit low. How much do you contribute to 401k? How much gets taxed in Virginia?

3:44401k, nothing. Health insurance? Health insurance, yes. I do do health insurance. Do you have the top plan? It just seems a bit... No. I want the top plan for next year, but I do not have the top plan. I think there's only two plans, and I have the one that isn't the top one. Okay, so$5 ,900 a month, and we don't know what's going to be garnished. I'm just so confused. Why wouldn't it just pay? Well, actually, never mind. It makes sense. How much do you think you spent? How much do you think you spent in the same amount of time? In the last month? Yeah, in the month that we have your statements from.

4:20Again,$5 ,784 is payroll. I'll say$5 ,900. Sure, why not? What do you think was spent? From my checking account. Everywhere. Spent everywhere from anything Take that mic, pull it a little closer Okay, yeah, maybe Oh wait, I put it in the wrong place again That's fine, just if you're going to lean back Take the mic and do this Okay, okay, okay How much was spent? I am thinking For The last month Probably, maybe a little bit more Yeah, go ahead Give me a number Maybe like 60 7 ,360. That's. So no, you're not paying your taxes. Like, why are you spending so much money than you bring in? Again, you don't make an insignificant income.

5:10Is this a single household income? Yeah, I have a roommate. Oh, okay. But, okay, but it's not like no significant other. No, and I don't. But a roommate. Okay. Well, the house, even with the roommate and a relatively strong income, It's not like Virginia. I don't know about Virginia Beach specifically, but I know Virginia can be a bit expensive. My mortgage is not high enough. Oh, mortgage. That's right. What's your mortgage payment? It's literally only like$1 ,200. Okay. Well, I mean, yeah, it easily fits in your situation. And then you have a roommate. How much is your roommate giving you? The house.

5:48So she has asked to pay me in the past, but I don't know. I don't feel comfortable accepting money. Why? Is she like no limbs or something and you just feel terrible if you did it? I just feel like she worries about money a lot more than I do. but even if she chipped in like a few hundred bucks it's at least contributing to you providing shelter she has like medical like debt or like medical school loans oh man she's gonna make money she is if she's not dumb but she's not yet well okay well honestly that's your choice if you want to that is fine it's your place do whatever you want but But$1 ,500 more than spent.

6:44Yeah. And she's like pestered me about it. Well, then let her pay, dude. What are you? Yeah. You guys aren't weird, are you? No, no, no, no. You're not getting like weird rent. No, no, no, no, no, no. She's just been my friend since I was like 12. So I'm. Oh, she's been your friend since 12. How long have you guys lived together? How long has she lived with you? I mean. Yeah, yeah, yeah. On and off two or three years. She stayed with me for over a year when she was studying for her step exams for medical. How much does she want to pay you? Different numbers have come up. Median? So she's mentioned$500.

7:34and then i've been like i don't know if i could see myself charging her over 100 over 100 i just feel like she's in medical school right now but yeah so she's probably not earning no she's not in medical school she's actually first year resident so so she's making money it's not substantial but she's making money but she like wants to pay off her credit card. I don't give a f*** what you guys do. I don't care. This is pointless, but if she's offering and your finances are f***ing, it's not you demanding. She's offering. It's different. I just have a really hard time with when people... You guys don't have any weird relationship?

8:19No, no, no, no. You're not deeply in love? I'm actually Arrow Ace, so it's not... You're going to have to explain that for me. Aromantic, asexual. I am not interested in by any stretch of my imagination. Except for her t***, right? Especially her t***, no. Jokes, jokes. Yeah. I just have like a really hard time when I know that people are worrying about finances, accepting any money from them. So like I had a dinner with her medical resident friends who are like my friends now too. But basically at the end of the dinner, they tried to like split checks and stuff. And it seemed like it was going to be like, you know, stressful.

9:12And so I just kind of medical debt. I mean, yeah. So I just I ended up just like paying for everybody. and that's something are you easily guilt tripped and manipulated and they don't my issue try to yeah yeah they didn't but in general are you though historically not the greatest the thing is i'm good with the warm heart totally good totally good you spent a thousand five hundred dollars more than you brought in and your wages are getting garnished because you didn't pay your taxes so i don't think we're having a warm heart yeah in that kind of context you can you have a free warm heart but not where it's costing you money i just like paying for people's dinners in the future no it was it was 400 um for my roommate i also always pay for meals when we go out and sometimes we have like pretty pretty expensive tastes especially if we're like in dc um or new york or you know you just don't get those options anymore okay yeah i just i want to see the car i want to learn more about that can you give me a self-assess where do you think you are today financially a score zero to ten zero being the absolute worst ten being the absolute best where do you think you are today so i did do the online thing yesterday it said two but uh or no it said one sorry but i feel like probably closer to a three because i think i have options maybe and i do make like a decent amount of money um in the grand scheme of things i okay like what like um options i think you're asap but i think you're a conceptual to the sense of money as well i used to be really good i really was um a few years ago i went on a medical leave of absence from my work um due to like really bad depression okay and um at the time i had probably about sixteen thousand dollars in my savings um i was paying everything off perfectly on time um i wasn't budgeting i wasn't like contributing to like a 401k or anything but i was doing much better but following that medical leave of absence i kind of like i was just like kind of throwing everything at the wall to see what sticked as far as like things to get me out of the depression.

11:59Okay, well, all right. I spent a lot of money on... Is that where the debt is? That's where a lot of the debt came from. Okay, if you guys want your Hammer Financial Score, it's free. Link in the description below. And if you want to come on the show here in Austin, Texas, you know, like Weird Al over here, you can, you know, calebhammer.com slash apply. It's exciting times. All right, let's get into it. Yeah, let's get into the money. Let's figure out How long would you say you've been in debt? 32 years old How long have we been in this situation? Probably the past One and a half years This is a lot of Debt for one and a half years Especially for someone that makes so much money I accrued a lot I will say Oh, will you?

12:49Well, I will If it's okay Oh, please So I did get a raise Oh, congratulations. That got me up to 107. And where were you? I was at like 91. That's still incredible. Median household income in the United States is what? 65? Something like that? Come on. Come on. It's just you. I know. It's just you. Yeah. $5 ,518.88 on the Capital One Quicksilver card. With 100. Great. $181 minimum monthly payment. not insignificant so this is this will always get me man i really don't get it you probably want to pay off this card right yeah okay if you want to pay it off why are we purchasing on a card that is accruing interest that you are not paying off i will never understand that especially for someone that has strong income and can spend their money with a pretty low mortgage for their income I feel like the Capital One cards, they're both Quicksilver, by the way.

13:56I feel like I haven't spent that much. Why would you spend a cent? A cent. $126.54 of interest was accruing. You spent$58. Your balance went from$5 ,526 only down$8. $8. Even though you put$184 to it and had other credits of almost$10. Yet only$8 actually went towards that net because you're spending. So I don't care if it's a lot of money. Why put money towards it at all in terms of spending? I'm somewhat of a budgeting master myself. So when friends and family are going abroad and need help with travel budgets, I'm the guy for the job. And you know what's a crazy charge I see every single time?

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15:59Scan the QR code on screen and don't miss out on the 15 % discount with code CaleBHAMMER today. Now, let's jump back in today's episode. Um, I think I've had like some subscriptions maybe on it. Okay, cancel the damn subscriptions! I think I have gotten rid of some of them. Tokyo, Japan. Wait, what was that? Oh, you know what? That may have been a$550 purchase. Well, exchange rate. Is this? What year is this? August 2024. Is that financed, though? Is that a purchase that's financed? 500 then we have fan box tokyo japan oh oh okay if it's just like smaller payments um for the fan box stuff that was like art tutorials um i think there's also patreon which is like japanese yeah there's a patreon you're not subscribing to our post show which is the amount of money with much more value i thought about it no please don't you can't your situation stupid i'll punch you in the face well i didn't because of that yes but even still 1450 oh is that yen yeah because it has the u.s dollar mark that's why okay oh well still it's a three three dollar 80 cent purchase then a ten dollar two cent purchase then a twenty dollar pharmacy thing and then a five dollar patreon so i just twenty dollar pharmacy thing is from my um treatment Wonderful.

17:34Spend it on a debit card. How's savings account? I guess I have to talk to them about it because they're the ones who do it. Yeah, update your card. You can update your card on anything and everything. Okay. Yeah, I could do that. I can definitely do that. And the Patreon and Fanbox stuff is really – I don't even use them anymore. They've just kind of been sitting there from when I thought I would be doing art stuff or more Japanese stuff. and I didn't. What were you going to do? Well, so like I said, during the medical leave of absence even, I was really trying to throw stuff at the wall, see what would get me out of my depression.

18:17I spent like$3 ,000 on a Wacom drawing tablet, having no digital art experience at all. Can I ask, what's your social life like? my social life it's it's pretty okay yeah um i co i co-run a japanese language meetup group in virginia beach um gosh you look like you'd be in the japanese well is it the shirt is it the hair is it the i don't know general unkept it's just written all over you i'd go get sushi with you oh okay okay i don't eat fish but um yeah um i i do do that and then i have i have friends okay i just want to make sure i don't really ask them to do stuff very often why um because i feel like a lot of them are like in couples and third wheel join it well you wouldn't okay i just feel I feel like I don't know I feel like I'm being presumptuous if I try to insert myself into anything but I don't know people need to be more forward I don't know they should say and I have my roommate asking like hey do you guys want to go do this that's not inserting yourself into something you're inviting people but then like I feel bad if they don't want to but they say yes and like why would they say yes if they don't want to unless they're your friends aren't your friends just out of sympathy are they?

19:50Or are they your friends? I mean they're my friends. Oh there you go. So it's fine. I just feel like I say yes a lot of time when I don't want to do stuff. Well and we know that's a major flaw of you. Okay. Okay. Well I just wanted to make sure you know you talk about depression and stuff. I just want to make sure just kind of where you are at in life. $29 a fees this year so you've probably had a late payment this year so far. on this card and then 555 dollars of interest this year so far on one card we're going through many cards the whole year hearing that that's a big haven't looked do you not look at your statements or you know no i i look at the i look at the individual statements but i've never so you look at the statements okay congratulations then why are there four purchases on this damn card if you look at the statements is it the subscription one no no no even while there was the five dollar subscription but even still if you're looking at your sorry uh six dollar six purchases oh five purchases even if you're but if you're looking at your card why would there be purchases then because you'd be informed on your interest you'd be informed on your minimum payment you'd be informed on how much is actually going towards it net yeah so why is there purchases on here because a lot of people that come on the show they don't even look at the cards so what What I feel like happens is like my cards kind of turn into black boxes.

21:13Okay, cut them up. Burn them. Feed them to the sharks. But what if I need them? Why would you need them? You make good money. Your required living expenses are quite low. I'm spending$7 ,000. Apparently you're stupid with money. That's different. But you don't. I don't think you would need them. Yeah. I don't know if I can get down to$5 ,900. Huh? I just don't know. Because if I'm spending like$7 ,000, that sounds like. What do you spend$1 ,000 on going out to eat? I think we have room to cut. That is literally only one category. Miscellaneous bullshit. It could be video games. It could be the Japanese crap.

21:53Another$1 ,122 of purchases. Unknown shopping. That's typically Amazon or Walmart. Don't really know. $548. There's things to cut. other large purchases$696. Come on. Yeah, like the food stuff is like... This is thousands of dollars this stuff, almost$3 ,000 of things we could easily cut. I've tried to do meal prepping. I have. And? And I've done it like one weekend and then it lasted for like a week. So you're lazy. Yes, that's true. but I also feel like I should make enough money to be able to do these. Sure. And we actually might be able to budget in the end. We'll see. But yeah, but I don't budget.

22:42I, I, it's more like, I'm not surprised, but I didn't budget before the medical leave and I was like completely fine. I was like, were you though? Would you know if you weren't budgeting? No, I was, how do you know? Because I had like everything in my head. Like I didn't, I didn't budget. So what changed? What's different then? I think the depression kind of reduced a lot of confidence. And it's made it so I'm less confident in just what I'm remembering I've purchased. And so I probably should be writing it down. Go through our budgeting program. Go through our new debt class. going over the best ways to pay off your debt and the best way to utilize that as well the other debt classes they don't talk about that we want to cover both parts uh it's discounted right now 30 off 35 off uh make sure you guys check that out link in the description below but go through those you get them for free so go through them build your budget follow the meal prepping use the debt strategies and we're going to go over that in general in this um in a high level way okay 28.24 % interest on this yeah I think both of them are around 28 installment loan $20 ,000 for what you're right you probably could go do that doesn't matter though because you have $20 ,000 loan on just what on what what is this for what it's my Honda CRV this is your car yeah um and I feel like it's probably worth more than that because it actually is it's worth seven thousand dollars more i don't really drive it a ton um we might utilize that accurate position at the end of this like it's gonna be inconvenient but but right now what's the interest rate of this um for the that one it's i think around four point it's not not not too bad 533 dollar minimum payment and 42 cents yeah you have an equity position in the car would I like take out another loan?

24:56no we'll talk about it at the end we'll figure out what we want to do what is this? a Navy Federal so we have a credit card with Navy Federal they gave me a very high at least by my estimate credit limit your balance is horrendous yeah you're almost maxed out it's a 20 this card's insane 23 ,720.59 the minimum of the payment is almost as much as your car payment yeah 449.62 this is insane yeah it's got lower interest Why are you purchasing$1 ,669 on there? Why? This is the bad card. We know this is the bad card. So why? Why so much money being spent on here, dude? Why? So I. Why the? I use it or I have used it for all of my medical stuff.

25:59Oh, a Navy Federal credit card. We're not even negotiating with the hospitals for a payment plan. Well. Even a personal loan at like 10 or 12 %? Why the f***ing It's not really hospitals. It's like psych offices and therapy. Is that the S-P-R-A-V-A-T-O? It's bravado, yeah. Which I think I should be able to stop. What's your health insurance like? Have you not hit your deductible this year yet? I hit my deductible. That's what the deductible is. Yeah, it's very... No, you, you, you. Oh, come on. Shut up. That's not even true. You got some stupid little and pizza and hot pot and honey. I said historically.

26:44Oh, you're historic. Historically, I'm getting by the statement. Yeah. Honest Pastures, right? This is a historically high credit card. $23 ,000. That is, that is insane to be going and getting Honest Pastures on there. They're good. You're good. I don't care. What? They're the only vegan place in the area. Just go eat some nuts off the ground. I don't care. You're stopping at a grocery gas station getting some bullshit, some vegan drinks, Amazon coffee, peace, love, little donuts, creme bakery, Pokemon,$47 Pokemon, Pokemon Go? No, you're going to be... Oh, good. Yeah. Let's ruin our life and make a credit card go all the way to his - Top of the limit at$25 ,000.

27:34It might be better if it was Pokemon Go. What? It's Pokemon Sleep. Feeling trapped by debt? What if I told you debt could be your secret weapon to financial freedom? In my new debt mastery class, I'm not just teaching you how to get out of debt. I'm showing you how to make your debt work for you. Imagine negotiating lower interest rates like a pro, using strategic debt to boost your wealth, and finally breaking free from the psychological traps that keep you financially stuck. This isn't just another pay off your credit cards course. We're talking next level strategies. We got 10 powerful tools to accelerate your financial journey, insider tricks to negotiate any payment, not just debt, and psychological hacks to curve your overspending and live your dream life.

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29:06Learn more at Microsoft.com slash M365 Copilot. Only a few spots remain, but they're going fast. See you inside. I've never heard of that in my life. It's a great, it's gotten me to sleep. Huh? I sleep. What is it? Explain. Just explain. Basically, it's a sleep partner app. So when you're sleeping, you have it on. It tracks your sleep. And depending on how you slept in the morning, you get to catch Pokemon. And they join your team. What? And they help feed your Snorlax. And it's just like, yeah, I know. It's a great concept. Is it? Yeah. Yeah. I mean, it really did help me sleep. Because it's forcing you to lay in bed?

29:52Yeah, because it's like if I don't go to bed at 10.30, Pikachu's not going to be very happy with me now, is he?

30:01Oh, boy. Yeah. This concerns me. And you can buy biscuits to catch more Pokemon. Oh, for fuck's sake. Pokemon Sleep is pay to win? Pokemon Sleep? Yeah, and I'm winning. so there's that you don't actually give a Pikachu's upset right of course not that would be weird listen if we're talking about depression we're talking about social lives I just want to make sure like this can't be an important part of your life right the sleep aspect is definitely but the reason behind it making Pikachu upset I've been playing it for since it came out and it's just like I I don't know I like want my I see big numbers you see big numbers I see really big numbers what are the big numbers my sleep scores the amount my berries give to Snorlax like my drowsy power I don't know now we've gone beyond You should try it.

31:18I'm not trying that. Well, how's your sleep? I think it's okay. Maybe less good after this. I hope not. Why? Because that's... What, are you cursing me or something? We're still dropping in buckets. Huh?

31:37It's a good game. It's a good app. That's all I'm saying. Listen, if it's up in your sleep, I'm good with it. I just want to make sure you actually do not... You're not treating them like sentient beings. No. That matter. No, no. They are cute, but, you know. And also, why are you spending$47 on it? This is to help you sleep. There was an event. A sleep event? Yeah. Happens every night. Not for me, it doesn't. I'm sorry to hear that. Well, it's gotten better. I've started taking stuff for it. But, you know, Suicune came out. and it costs a lot of business. You spent$500 this month on this, I'm being told.

32:21This month? No. Over time, more than that. But this month, no. Or in a month, you've spent$500 before previously. Oh, in a month, yeah. That's true. That's crazy, man. That was mostly when it came out. Buddy, you are spending$1 ,500 more than you make. You have horrendous debt, even though you make substantial income. I know. This is bad. it also it is like when i see all of the debt i'm like the big numbers yeah all the big numbers but like the bad big numbers not the good ones like i have um you have both well in pokemon like you know um it's like what is probably tell what's 47 what's 47 relative to 23 000 on a credit being added to that you know well no you're at like 21 22 000 now you're at 23 000 it's like okay The way I'm thinking about it, and this is definitely not a great way to think about it, but I'm definitely thinking about it this way, is relative to the amount of interest I'm already paying,$47 on 23 % interest.

33:26No, I just feel like I have some pie in the sky maybe kind of things that I think will happen. What? Like I could get a second job. That's pie in the sky? but also that doesn't fix anything that doesn't fix anything it's your behavior you get more money you'll just spend double well no I part of me is like hoping like oh if I get stuff down I'll go kind of back to the responsible or like it's more the big numbers that are causing me to be irresponsible if I had the small numbers back I don't know it makes sense in my head like the big numbers stress me out and it makes it so like you're talking about this like you're a five year old in therapy yeah if I got the second job and it had like a similar income like you think you could do that well yes it also doesn't matter you'll just spend double what you bring in more well so for my current job I probably work like realistically like five to ten hours a week because and it's not like I'm like not doing anything on purpose it's just like I can get this stuff done um in that amount of time I have all my they need to give you more to do that clients no why would I let that happen because they are spending a lot of money on you and I would want to make sure I'm getting what it's worth they they are requesting a certain amount of work get done no absolutely I totally agree with that they should do more work yeah but they don't know so and I'm not gonna let them though like why would i do that like other developers are working the same hours i don't really care i don't get it just if i was the owner of the business like they're probably paying a lot of people a lot of money when you could probably cut that in half they're getting paid a lot of money by these contracts through these contracts i mean well no but yeah okay i don't really care coffee no you already did that there's no i never drink coffee okay but yeah but you went to a place with coffee in the name oh mcdonald's real good yeah i'm not vegan i'm vegetarian i get real breakfast sandwiches only yeah historically don't have any meat on them the egg and cheese biscuit Oh, egg.

35:53Veggies can have eggs. Yeah, it's vegetarian. And then webtoon. We're webtooning. He spent$1 ,669 on this card. I think Spravato's up there. And my... What did you just say? Spravato? The treatment? Once a week I get the treatment done. But I think I'm going to be able to... What's a treatment? Well, I... Basically... It sounds very weird the way you're saying it. It's like, I've heard of cat. Oh, you're doing that? No, well, kind of. It's esc. I guess. I don't quite know the difference. But it's a nasal spray. You go there. They observe you for two hours while you're basically like high off your ass.

36:35Is that why you're wheezy? Okay. Maybe. But I've talked to my. Is it helping you? Not at all. And I've done like 25 sessions. And I've talked to my. Yeah. Yeah. I've talked to my prescriber and I think he's okay with me not doing it anymore. So definitely a pro if you got to 25 and that would be like$600 a month. Okay. Probably because of Uber. Does it feel good? What does it feel like? It feels, it depends. Sometimes I feel like very little. Sometimes I have like really creepy, like, I don't know. I feel this conversation in my toes. I don't want. Sometimes it's nice, you know. As someone who owns their home, let me tell you, you know how you feel when you try to pick a show that's on a streaming service and there are way too many options?

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38:01Seriously, it's like having a GPS for your mortgage journey. So get started by checking it out at the link in the description below. This is a paid endorsement sponsored by Money.com, which is compensated by its marketing partners. Colors. Okay, okay. Amazon on chase uh yeah um i don't think i spend that much on that anymore either it doesn't matter if it's that much you're still spending on it yeah so it doesn't matter well but it's like oh shut your isn't progress listen progress huh isn't progress it's 20 dollars of progress even though you put 174 dollars towards it only 20 dollars of progress because you're purchasing and there's interest you're purchasing on a car that there is interest that you're not able to fully pay off I don't know what the f*** you're talking about It's like I gotta get there you know I can't It's like quitting cold turkey is not Easy Buddy even if the spending was translated To your debit card that's Different you're spending on a card That is accruing interest I'd still be upset at that Don't get me wrong yeah no s*** it's true Yeah but it's like But if it's small amounts What's it doing to the interest really Here I'll tell you this I'll tell you this you little 18 years without you purchasing on this is how long this takes you to pay off without you purchasing with your purchasing you'll be in your 60s okay that's that's a long time uh-huh i thought maybe like a few years okay well programmer doesn't know how to look at a number.

39:35Well, I don't like looking at them. Okay. But, I mean, I could do the math, you know. Don't have to. It's right there for you. If I wanted to. No need. It's on the savings. Wait, it says 18 years? 18 years. Only the minimum depends. It doesn't even matter, though, because you spend money on it. I did not know that. Well, you did Amazon purchases. It's at 24.49 % interest. It's at$1 ,000. $1 ,090 of interest on this card this year so far. $1 ,000. And then$156 of fees this year. Who knows what the f*** for? Probably mispayments. Why? Why would you make too much money? You're so undisciplined. No, you're just too lazy.