The Internet's Biggest Freak | Financial Audit

25:19I don't like D &D. Okay, go to the Bottoms Up Gay Club that I assume exists somewhere close. I don't like that either. Come Dump.

25:34Let me think. Maybe Pokemon's good. That's good. Maybe stationary. Stationary's fun. Where is it? Is that a place? Trains, dinosaurs. They're good. I'm confused. I'm confused. I'm sorry. You're trying to find hobbies or something, right? You said D &D night, and then I was like, I don't really like D &D. You could go to dinosaurs? Yeah. Is that a thing? I don't know. No, it's not a thing. No dinosaur club? I don't think there's a dinosaur club. Is there a train club? Probably be a train club. I know my one neighbor was really into trains back in the day. Okay.

26:20How do you feel about leaving Everett? I think it would be good. I think I need to leave Everett eventually. Okay, eventually. You don't have a term. You're renting with your parents. You could leave whenever. Yeah. We can get you to a financially sound place, emergency fund. They're eventually selling that, but yeah. Do they have a timeline? Oh, as soon as they can. Then why the fuck did they offer it to you? What do I not know? Oh, no, I'm just running. Yeah, no. Of course. Just the one unit. I want to sell the whole building. Yeah but then you'll be a tenant to a real landlord You'll be locked into a lease Yeah Okay So the goal then Is to leave Everett The goal is to get our debt Have a fully funded emergency fund So we can leave Everett Hopefully go to a place where you can find a community Really settle down Get some exposure from the world And disconnect from our parents Financially and life controlling Not love, not anything like that Go home all the time, I'm good with that Okay, but mommy in the checking account, not anymore.

27:24They're keeping the roof over her head, not anymore. I need you to get out there. Yeah. Yeah, I mean, I definitely do need to get out there. Do you like meeting new people? Meeting new people? No, I'm kind of nervous meeting people. Me too. To be honest. Me too. I'd rather read. Yeah, yeah, yeah, yeah. Okay, I get it. Maybe a reading club. Reading club, man? Reading club club. Trust me, if you want the literal hottest women in Austin. Book clubs, really? No. Well, I'm sure you can find a couple twinks there as well, but hottest women. So you're right. I don't know your type. Maybe a couple bears.

28:00No. The bookshops. The bookshops on a weekend. Crazy world. Crazy world. Crazy world. Why would you know this? Girlfriend, you don't hear me saying this, but crazy world out there. We technically go there together. and what's your genre? What do you read? White women. What? Sorry.

28:26Sorry. It's a silly episode so far. Let's do some math. Okay. From a range of zero to ten, what do you think your financial score is? Zero being the worst, ten being the best. Including zero? Yeah, zero. Okay. Why'd you let it get so f***ed?

28:49Because you don't care. We kind of established this. That's okay. Yeah, I just fall into some bad habits. If you want to know your financial score, go to CalebHammer.com or click that link in the description below. And if you want to come on the show, go to CalebHammer.com slash apply. Where are you looking? You good? I'm just looking at light, yeah. It's bright. PayPal credit. What's going on? PayPal credit. But I use that to buy stuff online. It's easy if I don't have money in my bank account because everything's PayPal nowadays. What do you buy? I'm sure you use everything in PayPal nowadays.

29:23I mean, figures, anything online. What are these figures? Do you have one? Concerts. I should have brought one. You should have brought one. Comfort anime. Comfort anime. I almost brought a plushie, but I think I lost her when I was leaving the house. I hope I didn't lose her in the airport. That would be terrible. Horrible. Horrible. I would never do that. Yeah. Okay. It's like a$200 plushie. And you lost it? I think it's in my car. Well, the zipper doesn't. Okay. I just want to make sure you didn't lose the$200 thing. They told me you have pictures of the figures. Can I see? And we'll put them on screen for everyone.

30:02Yeah, I don't have my phone. Where is it? I don't know. You don't know where your phone is. Well, it's so good, don't they? No, I can't go back. No. What? You have your phone. No. Oh, well, I guess I lost my phone. Go find it. Okay. Posters. Oh, this is a goon cave if I've seen one. It does look like a goon cave, doesn't it? You know gooning, but you don't know what they were. Okay. I am on the internet sometimes. we talked before the conversation we had like a three minute conversation usually it's the producers onboarding everything and onboarding videos and all this stuff before but we were talking and I was like hey you know just have fun make sure you're talking be yappy you know we tell people to be yappy because sometimes people are a bit nervous he didn't know what the word yapping was but he knows what the word goon is I didn't know what you meant in that condo what other yap is there yap okay this is a horny those are tits Oh, good, good.

31:09There's more. Trust me. Dude, I don't want to know how many Krusty Socks are in this room. Krusty Socks. No.

31:24Okay. This is insane. And you spend how many thousands on all this? There's my hat. Then we're done. That's your hat. Yep. It's a$5 ,000 hat. The fucking why? Why? bought a$5 ,000 hat. That was before I got into debt, but yeah, that was not a good decision. Sell it! I can't. It's going to ruin now. From your fucking... No, I... I see what's around that room. I know we'd be dropping loads. My parents' cat kind of ruined it, and then I kind of got toothpaste on it, I think. Toothpaste? It doesn't really get out. I don't know how... The toothpaste can't get out? No, it can't. Oh, I get it. Okay. I get it.

32:08No. That's funny, though. Thank you.

32:14What is happening with the PayPal credit? Like I said, if I have to buy something and I don't have money on it, I can just put it on the PayPal credit because everything is PayPal. It's at$408.03, the minimum monthly payment of$30. Okay. $30. Yes. But you're... Well... Payments, credits. Looks like you pay this off every month. Yeah, I've never had interest. Well, it's occurred... I'm going to cross that one off. But you're still purchasing$415.91. Why are you purchasing that much money? If you are literally missing a$500 rent, $400 whatever... $450. Yeah,$450. Then why are you purchasing$415 on PayPal credit?

33:03That could go the rent. Huh? Yeah, that could go the rent. Yes, that's what I'm saying. I don't know. I'm purchasing things. Like I said, if it's online and I don't have money, I can do it. What's Fast Spring? Fast Spring? Yeah,$7.42. Fast, I don't know what that is. Fast Spring. Fast Spring. $7.42. What do you mean Fast Spring? That's the description of the purchase. Okay, wait, let me look.

33:41We had Matt, the security guard, check this bag, right? This is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high-yield savings account and get a welcome bonus of$300. Sign up for Acorns using my link and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself$5 ,320 right now.

34:29I don't think I have my PayPal card in here. spring so which one are you looking at paypal credit yeah consolidated I probably don't have it sorry after all that you don't have that see

34:51Tris I printed these out very haphazardly come on all of this and you don't have oh here we go No, that's Capital One again. Why do I have three Capital Ones?

35:07Okay, yeah, I don't know what Fast Spring is. It might be... Okay, and$408.49 spent on Animamy. An? Amy Amy. An Amy. Yeah, that's where I mostly buy anime figures, yeah. I thought you were done. Significantly less than$1 ,000. This is$408.49. $408, yeah. That's your rent and you're not paying your rent. Yeah. That was the only one that month though.

35:40But that's your rent. That doesn't matter that that's the only one. If you are not paying your rent on time, how are you going to live on your own if you cannot pay your rent on time? I would have to get more disciplined. Exactly, but that's what I'm saying. There's no chance of you being able to do that. No, not with those habits, no. Exactly, but you're doing nothing to change it. uh yeah you have your goon cave you've maxed it out to the just the tits galore yeah everyone else like I said go to a coffee shop in Pittsburgh Pittsburgh yeah or DC DC okay Pittsburgh Pittsburgh yeah when you walk into a Burlington you're walking into amazing prices and great gifts that's main character energy because at Burlington the holiday savings aren't the only things turning heads discover quality finds and perfect presents for everyone on your list.

36:31Even those who are hard to shop for toys and jewelry to new beauty brands and styles. These gifts go seamlessly from our stores to under your tree. Seriously with these savings, why shop anywhere else? Pittsburgh. Pittsburgh coffee shop. Attractive women. Just don't do it in public. I'm talking about approaching approaching, Approaching people. Okay. Who's your celebrity crush?

37:04Chewy. Huh? K-pop. Spell it. T-Z. Chewy starts with T? Yeah. T-C. T-Z. Okay, T-Z. U-Y-U. Okay. She's hot, but would I be racist to say she looks like all the rest of them? The K-pop. The K-pop women. The K-pop women. They look different. Not Asians. I like the one that was in the White Lotus. Okay, yeah. I never watched White Lotus, to be honest. Well, she was very hot. Okay. Okay, so that's your type. So we're approaching those in the coffee shop. Yeah. My mom kind of gives my number out to any Asian woman she meets. And how does that work? She wants me to text this one girl. I don't think I will.

37:53Do you know what she looks like? Yeah. Can I see? where's my phone

38:02I'd have to go to Facebook then I have to bring up social then I have to sort by nevermind I'm just saying I need you to get you out of the house because you keep buying goon material and it's costing you hundreds of dollars a month that's the point I'm trying to make are you willing to sell all this all of it Yes. Some of it's kind of hard to sell. Why? Because it has toothpaste all over it? No, because, I mean, they're fairly rare. Isn't that good to sell then? It is. I guess that's true, but I don't think I'll ever be able to get it again is the problem. Good. I don't give a f***. Make a lot of money, and then you can get whatever collectibles you want.

38:48I thought about that, yeah, if you just make it. Yeah, but okay, what's the goal? Is the goal f***ing goon tits all around the room or is the goal moving away and having a little bit of independence and separating from mommy and daddy? Move away. Then sell the boobs! Sell the boobs. Gotcha. Get online and crank it old school. Crank it old school. eBay or what do you guys... Well, I mean, you could do... It's better. My figure collection is a little bit better. Maybe do Mercari.

39:25It's at a 30.39 % interest rate, but again, you're not holding a balance. Yeah, yeah. I've never paid interest on that. But it's the money that could have gone towards debt, the rest of your debt, and it's money that could have gone towards rent. Okay, this one has a balance, substantially. Capital One, what's going on with this? What is that? It's over the limit, right? $3 ,500. It is! Why is it over the limit? Because I'm spending on it and it's a current interest. But you're$400 on animation. Could have gone to this. Could have got this paid off even quicker. Yeah, I don't remember how that one ballooned up.

39:57I knew there was a concert that I spent a lot on, merch on it, but that was like$500, so I don't know where the rest came from. I do use that for sheets. Going to concerts? What concert? That was Edo. I don't know. Okay, but that shows that you at least want to get out there and do stuff. Yeah, yeah, that was fun. I talked to people there. What's Edo? She's a Japanese singer. She doesn't show her face. She's really cool. I hope you keep it in prime, babe. What do you mean by that? Just hope it didn't f***ing happen there. No. I'm just saying. I don't know. How can I f***ing? We don't know what she looks like.

40:39Listen, buddy, I'm putting you in two camps. Gooning all day or a f***ing school shooter. So it's like... School shooter? Really? I've never had that before. That's interesting. It's really interesting And listen, the fact is You purchased $71.54 Yeah, that was probably mostly sheets Sheets? Yeah You don't know what sheets is You got toothpaste all over your set? What? Oh, the location sheets? The fast Not fast food Gas, convenience store. What are you getting there? Like a Wawa? Does that make sense? What are you getting there? I understand. Yeah, yeah, yeah. Probably breakfast. Okay, so fucking you were, you got Google Play something.

41:34You got Audible, you got breakfast, you got breakfast. Oh yeah, I need to cancel that Audible. And then Viz Media. Viz Media, so how much was that? $3. $3.17. Yeah, that was a subscription. A subscription to what? You paying to chat? No. that's like anime or not anime, manga that I need to cancel. I don't even use that. Get out of this world, man. Yeah. I don't even use that. So. I'm surprised you don't have any late fees this year, but you have lost$339.19 in interest. This year? Yeah. And just this car. Just this car. Okay. It's the minimum monthly payment that is scaring me because I know we have so much that we're stacking up.

42:15I don't know. Just this year is kind of crazy because it's been like four months. Well, we're on number six, but I get it. I get it. I don't get it? Math. Math, okay. We're in the sixth month. Okay. Yeah. That one's on the fourth.

42:40Actually, he's right.

42:44He's right. It's like$100 a month on interest. Yeah, it's insane. You lost in just this last month$83.88 in interest. Yeah. I mean, the higher this balance goes, and now you're over. You're lucky you're not getting any fees. This is going to get worse and worse. How long do you think this takes the payoff if you only make your minimum monthly payments and you don't purchase anything? Which, by the way, you're incapable of because you always purchase. Yeah, isn't it usually like a factor of 17? So 17 years? Very close. 18. Oh, 18. Okay, gotcha. Yeah. So sometimes the math works. Sometimes it doesn't.

43:16I get it. It's a topological problem. It's funny. Listen, I don't think you can manage credit cards. I really just don't. You shouldn't have credit cards. If they have balances on them right now, it's not good. Yeah, but that's what happens. If you're above a credit limit and a coin interest on a credit card, you're not a credit card person. It's as easy as that. Do you accept that? That you cannot use credit cards? I think if I paid off all my balances and I just paid. But are you? Are you? If I just use them and I paid them off as we go, that would be the way they use it. That is the definition of a credit card person, but are you doing that?

43:55I'm not doing that right now. So you shouldn't have credit cards, correct? I shouldn't have those credit cards. Good. It is a dangerous tool. It's a tool that can be used to benefit you, but the vast majority use it against themselves. They take back the hammer and they hit themselves in the face. Well, yes, yeah, absolutely. Well, credit cards mostly make their money through transaction fees. But either way, you should not have a credit card. Can we agree on that? I can agree with that. I should have less credit cards. You shouldn't have credit cards. Okay. And zero. Because look what you've done with credit cards.

44:34I don't think my past is reflective that I can be trusted with credit cards. What else would we judge you on? about what you're going to do than what you're doing now and in the past. Yeah. I can't do it unless I try. Do what? To use the credit cards the way they're meant to be used. Exactly, but what's the point? What's the point? Why do you care? That's true. What's the point of a credit card anyway? Well, I like it for the rewards. I like it to build a credit score. and with a good credit score, I'm able to utilize leverage with real estate. That's why I did. Yeah. You already said you don't care about getting a house.

45:20I don't think I'm looking for any of those benefits at this time, so I shouldn't use a credit card. Yeah, what is the point? Yeah. Is there a point? No, right? No. So you'll close them all? Yeah. Yes, you will. Yes, I will. Good. I'll let you have the Fizz card because it acts as a debit card. It only lets you spend what's in your checking account. Because remember how you said you literally spent on the last card when you don't have enough money in your checking account? Yeah, that at least counteracts that. So then what happens? It just cancels the transaction? Huh? So then what happens if you try to do that?

45:51Do what? Spend what's not in your bank account. It'll let you decline. Yeah, okay. Okay. Yeah. You just got to use tools that you're able to actually use. And clearly you're not able to do this. I mean, listen, I have a note that says you got a ticket as a birthday gift to go see your big girl that you love, the Asian Addo and you're planning to spend another $400 in merch again. $400 for merch. That's estimated, yeah. Listen, dude. Now, here's an assessment. You'll love boobs. They're everywhere. They're all over your room. That's just the figures. They're all over your room. Yeah. She doesn't have any.

46:29So what are we even doing? Cognitive dissonance.

46:35I'm joking. I mean, it's like real versus fake, but yeah. I'm joking. I'm joking. I'm joking. I got it. I'm just saying you're going to spend$400 on merch. Yeah. You say you told them you're going to. That's rent. Yeah. I mean, I already bought like the light stick. I used to think getting life insurance was like flossing. You know, you should do it, but somehow it ends up on your later list right next to organizing tax receipts and canceling that gym membership you swore you'd use. But here's the deal. Waiting doesn't help your family if something unexpected happens, which is the whole point of having life insurance, and that is where Fabric by Gerber Life comes in.

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48:18M-E-E-T fabric.com slash Caleb. Thanks, Fabric. Let's get back to the episode. If you aren't earning up to$5 ,000 every single year just for holding your investments, then honestly, why are you even still with your broker? Today's sponsor, Silo, is the world's first cashback investing platform. And if you deposit using my link, they'll boost your balance by 1 % every single year for life. Not a typo. Every year, forever. Let me break that down. I've got$100 ,000 in the S &P 500 VOO ETF with Silo. And that's a$1 ,000 bonus every single year, stacked on top of the average 9 % market growth. And over time, instead of growing to$3.2 million like usual, with Silo bonuses, it grows to$3.8 million.

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49:33Sort of like a... Actually, I think I probably have it. Oh, fuck. The backpack is bottomless. It's... I don't know where I put it. Probably put it in the sta... The fucking... Pencil sharpener. No. Huh. But it's like a... Get it? I don't know where it is. In the backpack. I don't think I can find it. To be honest with you. This backpack is amazing. Yeah, I'm not going to be able to find it. I'm sorry. So this thing we're very excited to purchase you cannot find in a backpack. Okay. Okay. Okay, up here. Yeah, sorry. It's okay. So why are you allowing yourself to spend another$400 on merch, man?

50:20That is your rent. That is potential freedom getting out of it. Everettville. Yeah, Everettville. Everettville, yeah. Yeah. That is your path out. Because I want it. What do you want more, though? I need you to get exposure in life. I need you to have something. And merch isn't what does it. What are the goals, right? Like right now I'm just driving myself towards merch, merch, merch, anime figures. Exactly, but that's what you're still going to do. Impulsive desires as opposed to something more solid. And you prefer? Impulsive desires at the moment. Then why are we having this conversation? Because that's not sustainable.

51:02I agree, and I'm telling you what to do, but you're saying no? Yeah. I could try not to purchase for Edo concert. Well, I don't even know. What merch would I buy? That's a good question. You'd have a good time in Thailand. Nah. You'd have a good time in Thailand. Nah, I wouldn't have a good time in Thailand. You'd bring one back. What? What I know that it's before I bring one back. Huh? What I know that it's a key before I bring it back. Oh, I thought we were going to the shoes. But it's Thailand. It is Thailand. Yeah. Listen, you might get pegged. You might not. I don't know. Yeah. It's Thailand.

51:48You know, I had a dream that you said that and now you did. It's funny. I'm in your dreams. No. Well, kind of. I got excited being on the show. Oh, okay. Not in that way. I heard the word excited. I got a little nervous. Yeah. I've had my toothpaste fill for the day. Look at that toothpaste. It's great. Alrighty. Okay. Okay. Yeah. I did a 29.49 % interest rate. Yeah. I thought it was like 30%. Basically. Yeah. I don't know. I don't know. Hey, you're still going to go purchase this merch. It's like, what's the point at that point, right? It's not good. You got to talk about this coping skills. If you're impulsive decisions or everything, I need you to start taking care of the coping skills, okay?

52:44That might be a thing to talk about. I have a therapist right now, but yeah. Good, talk about that. Okay. And I'll also give you a course career certification if we can find something that gets you a little more in the career field that you want. Okay. Quicksilver. What's going on with this? You were not paying off this card. It was a small bounce. It's like, oh, okay, he's probably paying this off like the PayPal. No, it's maxed out. Maxed out. So what's going on? It's like$500. Yeah. Yeah. I mean, it's the same as the other cards, is what I would say. I'm trying to have a conversation. Yeah.

53:17What's going on with this? In your perception. That one I used for rudders, because I have it linked to the account. It's just really easy. What is that? Rudders. Yeah, what is it? That's like sheets. Like Wawa. So you're going to an alternative to mix it up? Yeah, I can't go to sheets every day in the morning. You shouldn't go to either, right? No. Okay. Yeah. They also have better food and it's cheaper. I probably should go there. Oh, taco Tuesday? Tacos are half off. Okay. Yeah. They just finger gunned me. Yeah. That's good breakfast.

53:57Is that more important than escaping Fayetteville, though? I don't think so. No, it's not. You could probably meal prep. Huh? I had chicken noodle soup today. Yes, meal prep. Easier, yeah. You had chicken noodle soup today. Yeah. Handmade. There you go. Handmade? Yeah. Why are we doing that shit? Egg noodles. That's great. Great, yeah. Yeah, why aren't we doing that? Cheaper, for sure. You're learning to cook for your future Taiwanese princess. Yeah, yeah. Yeah, that'd be nice. Yeah. Yeah. Okay. It's not a criminal interest, but you did purchase$62.14 on it. Yeah, and that's probably all rudders, to be honest.

54:35Maybe sheets. Yeah, sheets, rudders, sheets, sheets. Yeah, taquitos. Yes. Yes. Okay.

54:49Honestly, I didn't understand what taquitos were until I sat down and looked at my own. Okay. I don't have the physical card for the PayPal either. I do have my Capital One. I don't think I've ever used it physically. Everything's just online transactions, to be honest. You have it in your Apple wallet? I have it on Capital One. Okay, okay, okay, okay. You need to delete every app that exists. Ban your... Do you go to the office? Yeah, you do. Yeah, I'm an office person. Mostly I'm in the office, yeah. Ban... That's why I have too much time. Because you're in the office? That's why you have too much time?

55:25I mean, I do. Ban passing by sheets on the way to and from work. And cut up your credit cards. And call the banks and close your accounts. Okay. What? What's the confusion? I need my bank account. No, close your credit card accounts. And that's saying, no, obviously, yes, have a checking account, of course. If it seems to count, of course. Trus isn't the best, but yeah. Bank with whatever, I don't care. It doesn't matter to me. This is... If you're at ease of just... Yeah, it's real easy. Yes! You need to limit yourself. If I can't not keep away from... Amazon? Candy. Candy? I don't have candy in the house.

56:18That is... Oh, yeah. Like if you have something sugar in the house, you're always going to go get it. Or I am for sure. It's an example of why you shouldn't have your credit cards handy. Friggin' like cake. Yeah, so no credit cards. They're like sugar in the house. Or no, no online transactions that are like sugar in the house. Just having the credit cards. Just having them, yeah. Okay. You have to take away the things that you can't control. This episode is brought to you by Amazon Prime. Black Friday game day on Prime is an epic day of live sports. It all starts at 9 a.m. Eastern with the Capital One Skins game.

56:56Then, Black Friday football returns when the Bears take on the Eagles at 3 p.m. And it culminates with the final night of Emirates NBA Cup group play with Bucks Knicks at 7 p.m. and Mavs Lakers at 10 p.m. Black Friday game day, only on Prime. Pro. Right? Is this making sense? It makes a lot of sense because sometimes the things control you instead. And you're being controlled, right? That's the concept of the meme. I'm being controlled by purchasing things that I don't really want. Right? Yeah. Okay. Okay. Good. I'm glad we're aligned. Yep.

57:41Yeah, 0 % interest rate until... It's probably a career in interest, I thought. No, 0 % until something. Okay. I can't see where. I might be on the site, though. I won't open my thing. Huh? I won't open my thing. You can open your thing. You probably just won't find it. Yeah, I won't find it. Okay, one main financial. What's going on with this? Yeah, so I took out a loan. For why? What do you have in life where you need a 23.49 % personal loan? Yeah, that's pretty. Oh, it's$19 ,054. That's how much you do if you pay off all the payments. That's not the payoff amount. It says that's the balance.

58:26Yeah, the payoff amount would probably be... What is your payoff amount? You'd have to call them. They're loans. Well, I'm going to say$19 ,000 because that's what's at least accruing interest. Is it really so they accrue interest on that, not the$12 ,000? Yes, that's the balance. Okay. That is the balance. And usually the payoff is not that far. No, it is like$12 ,000. If I pull Credit Karma, it would say$12 ,000. Credit Karma doesn't know. Okay. You're going off of Credit Karma and not them? Credit Karma doesn't know. When I calculate against the interest, it came up to$12 ,000 too. Listen, that's the balance subject to interest right now.

59:00Okay. And you have to pay minimum monthly payment of$381.08. What did you possibly borrow for and when? Right, so I took out, and there's two other personal loans that you'll get to. And it's for a similar reason. What? Yeah, I had like 30-something thousand dollars in savings back then. You borrowed against your savings? No, I lost it all. Gambling. Oh, for f***s sake. What else was it? Gambling. Stock markets. What are you doing? Remember when GameStop happens and people got crazy? Oh, for f***ing sake, what was the gambling? No, guy. You want to talk about the gambling? Yes, I just... Yes. Okay.

59:52Yeah, so, I mean, really, it started with the GameStop stuff. Like, that's sort of gambling when you get into that. Yeah. I know there's a right way to do it. I know there's a right way to do it. You're not doing it. But you can take our investing class for free. We'll put you through it. Yeah. That'll help you. But, yes, the gambling, tell me. Yeah, so it started with that, and then we sort of got into other things. Higher rate of virtue. Well, it's a social thing, because sometimes people do it at work, too. But, yeah. Tell me about the gambling. What were you doing? How much? Over how long?

1:00:25I probably lost$60 ,000 in gambling. $60 ,000? Yeah. $60 ,000 over how long? Since, what was that, the beginning of 2001? I quit two years ago, I think, so, yeah. Two years ago you quit Yeah so that So in two years you lost$60 ,000 Yes sir And you still have personal Wait what are the loans for though I took out loans and then I sort of gambled those away Oh Cause I wasn't used to not having money in my checking account I worked hard for that But yeah Whoa That's insane Yeah it's not good Oh, my God. Most of that was within two months, like 40 ,000. Huh? Yeah. Huh? Huh? What the fuck? It's addicting.

1:01:16You can play blackjack. It's horrendously addicting, yes. You ever play blackjack on your phone? No. You can do it during weddings. Huh? Yeah. You're doing it during weddings? Yeah. Why specifically? That's just what I remember, sir. You were blacking out? that's the only one you remember is you were at a wedding and you lost$60 ,000 and you took out personal loans for it? No, I mean, you can do it. And loans are too. You can do all that online too. So it's just real fast. Oh, guy. You live a dangerous life. No, that was not. Yeah, that was good. You live a dangerous life. You are beyond addictive personality.

1:01:58I'm an addictive personality too, but you take it to the next level. I'm Tism too, but you take it to the next level. you're the enhanced version of me the bad part is you can be like good for a vast majority of the day but if it takes like I don't know an hour or 30 minutes how much did you lose in GameStop in GameStop well on stocks I think I have 12 ,000 on Robinhood and probably 1 ,200 no 4 ,000 on Weeble 4 ,000 yeah I could pull it up no it's okay I screenshot it all. How much did you lose in total across the board? $60 ,000. It was$60 ,000 if we combine all of it. Yeah. Two years ago. I consider that gambling.

1:02:42Yeah, two years ago I stopped. Well, I did. I have gambled a bit on ESPN bet. I thought it was a good. Ah! What? Tell me. $600 since, I don't know, mid last year. Oh, he's picking it back up. Don't. You're going to get into sports betting. Oh, that shit will go down so hard. No, we knew what you've done. Listen, you took out personal. The only reason you haven't bet more than$600, let's be honest, is because you literally couldn't get access to it. Yeah, I did lose a lot of that$60 ,000 from sports betting, to be honest. Oh, so let's get into ESPN betting, right? Yeah. No, my guy. There is no independence if you're doing this.

1:03:20No. What was your living situation two years ago when you stopped? And four years ago when you started? Four years ago, I was living with my parents. And did they know this was happening? They didn't know it was this bad. What did they think? They thought I had a problem. But they didn't know it was this bad. And so I called them one time when I was working. And? Tell me about it. The bottoms fall out. That's what you told them? Pretty much. You told them that the bottom has fell out? Yeah. What the fuck would they think that means? Well, that's not exactly what I said. Yeah, tell me about the conversation.

1:03:58Because this is insane. This is$60 ,000. It's almost as much money as you fucking have made It's my parents, you know, the first thing they think of is Okay, how can we help? What's the problem? We'll have to look into it Have a better conversation about They know it was devastating I didn't understand how devastating it was at the time Can you tell me how devastating it was? How? Two years ago, you were 26 That is 39 years until 65 when many people retire. $65 ,000 is a retirement. Correct. Good. Are we relying so far on that? Yeah, I gotcha. If that$60 ,000 was in the S &P 500, which averages a 10 % annual return, up-years, down-years combined since the start, it would have been worth, and this is what you've lost.

1:04:45Yes. $2.916 million. dollars. You lost three million dollars because you chose to throw away your money on sports betting, meme stocks, instead of just investing in the overall marketplace or any other kind of investing strategy. Again, there are so many that do work. That's not the only one that works, but that is good for just the average person. Yeah, technically it's worse than that because then I took out an occurring interest. So, yeah. If you think about it. Oh, f*** me. Yeah Buddy That's insane So Since last year You have still sports betted Hundreds Yeah six I've lost I think 600

1:05:39Fuck dude You got into Russian table tennis They're telling me Oh yeah the Russian table Betting on Russian table tennis Yeah that was a weird one What are you talking about, dude? What are you doing?

1:05:58Did you get banned from anything? Oh, yeah, I got banned from, what was it called? DraftKings. You got banned from DraftKings? Yeah, I used a VPN in New York to go to Pennsylvania.

1:06:12That was a bad one, too, because that was a good game. Matt, none of these were good ones. That was a Hail Mary. I don't know if you watch NFL. Is this why people have broken up with you? Because this would be a good reason. No, but it doesn't. It's not. I think. Actually, I don't know if that affected anything. Because I've been pretty honest with them about it. And? Nobody likes it. I wouldn't make people stay. No, they usually say, well, as long as you're not like that anymore. But you are. You are still sports betting. Yeah. So you are still like that anymore It's tough when everybody in the office does it Oh, f*** me man What's your relationship with people like at work?

1:06:57Great, I love people at work Yeah? Yeah They like it too, you guys are friendly, everything's good Yeah And I want that for you, I want that, that's so good We talk breakfast every Friday Okay Fuck, they just told me And who owns your business? My dad owns it with his partner You've never done anything independently I mean I Yeah I think about that But I work hard I'm not saying you don't buddy But it wasn't you Got this job because you got our job out of school And you're not using math degree It's you got our job because of daddy You got our house because of mommy I mean but I feel responsible to stay there You know I don't want to leave them No No.

1:07:44Like, at work, I mean. No. Okay. I bet you your parents would celebrate if you became independent. Not celebrate as, yay, we got rid of them. We're not saying that. Celebrate because they're seeing their son become, going from like an immature boy to a man. Yeah. This is something they would want to see. True. And they feel, listen, they've coddled you a lot, and it's because you're socially awkward, and that's okay. You have autism and ADHD. I do worry about that. I don't know why they're coddling me. Well, it's because of that. And because of that, they are holding you, and that is not allowing you to actually go out.

1:08:26And listen, they would celebrate if you went out and you were an adult, but they're also probably so used to coddling you that they're afraid to not, and they're just enabling you. They're enabling you. They enable the gambling. They're enabling you. They're giving you a job. They're giving you a place to live. They're enabling you not paying your rent on time, and then mom puts money in the checking account. So this further enables you to gambling and going to sheets and spending money on such you don't have. And now you have a 23.49 % interest loan at a balance of$19 ,054 minimum payment of$381.08 for your past gambling.

1:09:00So now you're paying for your past gambling with personal loans. Yeah, and that's against my car too. Huh? Yeah. Really? This is against the title? Yeah. Of your vehicle? Yeah, it was collateral.

1:09:17Oh, we've never had that. Really? This is new. Yeah, I didn't really understand how bad that was. They really don't explain that to you. Why don't they explain, here's a bad product, why don't you please take it? Yeah, true. That's not how, I mean, come on. Yeah. That was credit karma again. You last your savings in two months? Pretty much. Two months. Okay, so it had to have been more than$60 ,000 because you lost$50 ,000 in savings, right? I had$30 ,000 in savings. $30 ,000 in savings and now you have how much in debt because of it? This is$20 ,000. I have at least$50 ,000. We have to make sure that's accurate.

1:09:56But yeah. I think like$24 ,000 of bad debt. But probably more because of the$7 ,000 difference between what we have on the 1Mate. What is your parents' knowledge of the numbers around this and how much you lost and how much in debt you have because of it. I don't think they comprehend how bad it is. Call your dad right now. I could. No, no, no. Before you do, call him. Be like, hey, dad, I have something to confess to you. I just want to get this off my chest. I lost$30 in savings when I lived with you for gambling and I gained another$20 ,000 to$30 ,000 in high interest debt for the gambling.

1:10:37and I am still gambling and I'm struggling with it because you still are. People ask me all the time, Caleb, how do I turn my wild video ideas into something watchable? And until now, I'd say good luck, learn to edit, or spend a ton of money. But now enter in video AI V3. This thing lets you create full length videos from scratch just by typing. No timeline, no software gymnastics. Just type something like make a one minute funny cinematic video about how people deal with their finances and boom! I'm a Sarah. Just your average person trying to, you know, adult and stuff. Finances? Yeah, I've got those somewhere.

1:11:16You've got a cinematic sequence in minutes. You want to tweak it? Just say, add my voice or make it funnier. It's like texting your editor, only faster and cheaper. And unlike clunky traditional tools that make you feel like you need a film degree, NVIDIA puts you in the director's seat. Your vision, their horsepower. And yeah, you can even clone your voice so every video sounds just like you. Spooky? Maybe. Cool? Definitely. Try Envideo AI for free. Save your time, your budget, and your sanity. Can you do that? Should I be a speaker or what? Speaker phone and put the speaker here. Okay. Put the speaker here.

1:11:50Speaker here. Here? I don't understand. Where's the speaker? Put it here. I don't know where the speaker is. It's at the bottom, probably. Okay. Oh, that makes sense. Hello? Hey. How are you? What's up? How'd your day go? That's good. I'm on the thing right now. You're still there now? Yeah, I was told to call you. Oh, yeah? I'm on the podcast right now. Yeah, kind of.

1:12:21Yeah, I was told to tell you that I have, I accrued, I had$30 ,000 in savings. I lost it all and I accrued$20 ,000 of bad debt. Why? because I was gambling and I'm still gambling. Like$600, I lost$600 since December. That's not good. No, it's not good. So you're struggling and you need help with it. You're struggling and you need help with it. I'm struggling with it. Yes, I'm there. Yeah, I know you are. Yeah. Whatever, you know, we've always, our door's open. What do we got to do to help you? I gotcha. I don't think that's the best. It's kind of coddling.

1:13:10Well, not necessarily we're going to bail you out. We just, what do you need to succeed? I gotcha. But yeah, I think I'll continue with this. Thanks. All right. Well, give us a call when you're out. I will. Yeah, no problem. All right. See ya. So it is not good Listen they want to help They're not helping He grew up very poor He helps out his parents So he's making almost a repeated cycle then By not helping you By helping me He's thinking he's helping but he's harming Oh okay I gotcha yeah Do you disagree? No I didn't understand Look what they're doing Listen his reaction to you losing$50 ,000 And$20 ,000 of it being in debt was That's not good I'm not saying he needs to blow up and slap you through the phone But come on That was my reaction too Yeah but you're autistic I gotcha I don't know about him I don't think he is no he's pretty social Okay so it's

1:14:22Yeah go ahead I don't know man I'm afraid they're just fully enabling you Let's move on I don't know if they're enabling me Because I don't know what the norm is The norm is you don't work for your dad Your mom doesn't put money in your account at 28 And they don't pay for the roof over your head By a subsidized thing And you're also Not having them bail you out at every single moment Yeah but they helped out my sister And she's successful Doesn't matter And listen some people can be successful But look it's not working for you You're 28 not 18 This has been proven not to work for you for a decade of adulthood.

1:15:02Yeah. I mean, I was doing good in school. School, but that's something completely different. School and real life are so different. They are. School's coddled. You're in little boxes. It is coddled. I hated how slow we went and stuff like that, but yeah. You're a rain man, we all know. Okay. Genius Bank? Chinus. I don't know how to pronounce it, to be honest. That was another one. That was completely online. But it's an 18.99 % interest rate. Listen, you finance$5 ,000. The interest charge throughout is going to be$2 ,174.19 if you don't pay it off early. So it's like 50%. Yeah, what's the balance now?

1:15:40Like$4 ,000. $4 ,000, minimum monthly payment$148. I don't know how you're going to pay these stacks so much. Which means, good luck, you're never going to pay them off early. Which means you're going to pay that total$2 ,174.19 of interest. You're going to make them so much money. You make the gambling money? You make the other people on the other side of the bet money? You make the banks money? You make the credit card companies money? Buddy, okay, what's this for? I've borrowed$5 ,000 for what? Like I said, it was the same thing. I didn't have money in my checking account. So far, if we lost$30 ,000 there, we're at least$50 ,000.

1:16:17$55 ,000 for gambling. It's going into increasing. Yeah, but currently we're at$55 ,000 total for the money lost in gambling. If we're taking the$30 ,000, we're saying there's$20 ,000 from previous, $5 ,000 for this. Yeah. So we're over that$50 ,000 already, and you're saying there's more? It's$60 ,000, yeah. Huh? We're at$60 ,000? No, I said$60 ,000. You said$60 ,000 earlier? Yeah. Okay, sorry. Then we have$5 ,000 to go to get to it. Yep. I'm so gambling. Can you delete these f***ing apps, please? Well, hey, your dad's the boss, right? I put myself in it. Your dad's the boss, right? Yeah. If he's the boss, have a frank conversation that you're struggling with this because of work and see if he can just ban it from work.

1:16:59Yeah. I mean, I don't know if I want to do that. I know that's hard because it's a social thing. You don't want to take it from other people. But it would be great. He doesn't say why. He doesn't say why. Maybe he can go in there and be like, hey. We're very relaxed at work. So you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum. get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart.

1:17:42I know, and we are here too, but if someone was dealing with a, I don't know, yeah, but we wouldn't have here to begin with. That's what you think, but then it creeps up on you. It does? I don't know. Okay. Hasn't creeped up on me yet. Okay, gotcha. I don't know. If someone had a severe gambling addiction here and people were gambling out in the foyer, I'd be like, hey, can we just take this outside? Go downstairs. Don't talk about it. Don't talk about it. Because it's sports. I know it's hard. It is difficult. But the fact is you're struggling with it, you are addicted. I'm in a rural area. All you do is talk about hunting and sports.

1:18:24You need to leave. We've established that. But two, I don't know. You're addicted. If you're a drinker, you shouldn't go to a bar. You're addicted to sports gambling and everyone around you gambles sports. I don't want to take you away from them socially. I really don't. This is the complicated part of it. Maybe someone has some better advice in the audience. Maybe a therapist has some good advice and this is not popping in my head right now because this is live, you and me. Try to block it out, I guess. That's harder, but coping mechanisms can be very powerful. You'll have to work with your therapist on that.

1:18:57And you lost all your money gambling, so you're borrowing some of these to pay your bills too?

1:19:05What bills? You were living with your family. I was pretty much borrowing it because I didn't have money in my checking account. And then I gambled it away. That's what happened. I don't know how I can spend that. You stopped two years ago, but now you started back up. What made you stop and now you're starting to back up again? Well, it's definitely ramped down a lot. So it never stopped at ramp. It's ramped down a lot. It's not as bad as it used to be. But that means it can rebound so easily, you have no idea. I put myself in an exclusion for one Fandle, which was mainly what I was using for, I forget, I think it was like a year or something, two years.

1:19:39Oh, the amount of sponsorship requests we get from them, let me tell you. I only take good sponsors. But I mean, that's pretty much why it stopped. I can't use that account anymore. So once you find a way, it'll ramp back up. Because it's been forcefully taken from you. Does anyone at work know this? I stopped for months and then I found ESPN Bet. Does anyone at work know this? Know that I have exclusion on that? The struggle, and yes, the exclusion. I think they can relate. People have lost$60 ,000 there? I don't know, not that much, but they've lost a lot. Nobody wins. Some people break even.

1:20:20I mean, it's like what my one friend says. As soon as you win something on gambling, that's cursed money. Okay, this next one you borrowed, come on,$4 ,500. So boom, that takes us to the$60. What's the current balance on this? I think this is upstart. Yeah, probably like$3 ,800. Okay,$3 ,800 with a minimum monthly payment of$121.32. Again, I don't know how we afford these minimums. Is this the same thing, same time? Yep, that was the first one. The interest rates get worse because you're taking on more. You took out the previous loan, the Genius Loan, because it was deposited the next day. You immediately essentially lost it and had to go into a brick and mortar one main to get this.

1:21:03Yeah, it went Upstart to Gynas, then one main. Upstart and Gynas were all completely online. I found one main because of F***, but I had to go online with that one. Is that not a sign? It is a sign. Hey, I had other ones too. They were pretty bad. I had. Why had versus have? Okay, why aren't these? No debt here has been made progress on that we have. Well, it's because anime has become the new fixation. Gambling to anime. I think that's what we were going to talk about when we were talking about hobbies, gambling and anime. At least I went from gambling to something that's better. It is better, but it is clear you get hyper-fixated.

1:21:44and then you don't care about the consequences. Like, okay, now we have Goon Cave, great, but... That's why my friends were supportive of that because at least it's not gambling. Which I agree, but listen, replacing one addiction with another is not good. You need to work on this with your therapist and if your therapist is fully just enabling you, which some therapists do, then we need to try to find another therapist. Maybe find a good addiction. Yeah. Yeah. Whatever we can do. Wellness. Sure. Math. Oh, we have you type this in. Oh, for fuck's sake, what is this? Oh, that's right, because I did see that earlier.

1:22:18Yeah, that's wrong. I owe$20 ,000 loosely to parents that they have given me the past two years. Yeah, it's more like... I feel like you and World of T-shirts would create a nuclear explosion if we put you guys across from each other. I added up all the Venmo transfers she sent me because she's like, oh yeah, you'll have to pay this off later. It's$6 ,800. Oh, well, okay. If we have wrong information than you, then yes, our math's going to be wrong. Yeah, yeah. How did you give us$20 ,000 to$6 ,000? Because I thought it was like$20 ,000. I never added them all. Oh, for f***'s sake. Okay, so$6 ,000.

1:22:50How much? $800. Okay, so$6 ,800 owed to the parents, though. Yeah. What's our plan with this? What conversations have been had? Pay that, well, none. None. Come on, give me the plan. Huh? None really. How long? Over how long has it been? $6 ,800. Like two years. Something like that. It's going to continue, though. She's been spending money and you're checking it. It was in December, so. Okay. Your dad's successful from the business? Yeah, relatively. And your mom? She doesn't work. Okay, and they're still married? Yeah. Okay. So you're just spoiled, coddled, to your own detriment. Ask mom to get off your checking account.

1:23:32I need you to overdraft and feel the consequences of your actions. I have overdrafted. And? Have you felt the consequences of your own actions? That's not good. I don't like overdrafting. I need to get her off. Okay. Can you call her and ask if she can get off? Do you want me to call her? Yeah, and ask if she can get off from your... You don't want her on your checking account anymore. This is what I want you to say. I don't like how you said it to your dad. Oh, I'm sorry. No, it's okay. I tried to be honest. Hello, mother. My finances are bad. You keep bailing me out. Can you please get off my checking account?

1:24:06Okay. Okay? That's what you need to say. Just say that. Hello, mother. That's funny. How did you know I called her mother? I know you.

1:24:18I'm surprised if she answers. She doesn't answer very often? No, she might be busy with the dogs. With dogs? She's like, well, my sister's dogs are there now. There's just five dogs.

1:24:32You can double call. Send her a text as well. I'll send her a text. Maybe call me back. Yeah. Yeah, text asking to call back. and then make sure you have notifications on. Yeah, I'll get it. Okay, student loans. You went for math. Yes. Why don't you go into engineering or something? I started out in aerospace engineering, but I failed physics because it was a really bad... They didn't understand my joke, so I failed the exam. Please, do tell. I wrote gnomes for... I can't remember exactly what it was. No, no, no. Tell us the jokes. Full context. See, I only remember parts of the context. But I was really pissed at him.

1:25:19And it just made me drop the entire thing because I'm like, sciences are not for me if people are like this. Try to tell me the joke the best you can. Right. So when he was doing his lessons, he mixed up the, what is it called, the units for something and wrote gnomes. So then I did that on the exam pretty much. and uh why would you joke on an exam that was funny it's an exam he marked everyone wrong though huh he marked them wrong wait how many times did you say gnomes that was the whole exam like anytime there was gravity I think it was gravity but that doesn't make sense because that's not you just put gnomes on every answer no like like that's the units yeah yeah and you put well I had the right number But they marked you wrong on every question.

1:26:10When I put it, yeah. Did you bring it up to him and tell him why? I brought it up to him. He wasn't listening to me. He didn't like me. Okay, well, student loans, you owe. So I went into math. Huh? So I went into math. Yeah, but it's not working out. $27 ,424.08. Yep, that's accurate. Okay, thank you. And do you have minimum monthly payments? Yeah. What's your minimum payment student loans? I don't understand how these payments work because, I mean, I wouldn't pay them. What payment plan are you on? I don't think I'm on any payment plan right now. So traditional, you didn't select a payment plan?

1:26:49I was on a payment plan. What was your payment plan that you were on? It was like$400,$420, something like that. Really? No, your traditional would probably be like$300. $300, okay. $384. No, that's the slumming. Sorry, I'm losing it. Why? Are you okay? I'm okay. I mean, I see accruing interest that is happening. Yeah, it's probably 50. Are you not making minimum monthly payments right now? I'm just doing 200 right now. I'm not on a payment plan, and I don't understand why it won't let me on a payment plan. It's very annoying. It's an advantage. Just contact them. Okay. I'm going to say your minimum monthly payment is...

1:27:25Well, if you're saying it's 200, then... I don't know. I mean, interest is accruing for what it's worth. 200 will be the interest. That's why I was doing 200 every month. Okay, your minimum fee payment, once you get on the traditional... Listen, there are some weird things with the save plan and everything. That might be some weird things. I'm going to mark it as$300. You need to contact them. I don't want interest accruing when you are not paying, okay? It's not like they're horrendous loans. I just want you to do a minimum fee payment until they're paid off in the traditional 10-year program.

1:27:55Gotcha. You don't want me to focus on paying them off if I... You have 30 % debt on the other side. I don't want you to focus on paying off student loans. I mean, afterwards. Maybe, they're at 4.7%. How much is in your retirement? Actually, I'm talking to him next week. Who? The 401k guy. I've never talked to him. Okay, so an admin that manages that for you? Okay. I think it's definitely over$20 ,000, but I can't say much more than that. Wait, do you owe on your car? Well, it was used as a loan. It was used as collateral. They took over the loan. The value of it is$17 ,400. That's what we're getting.

1:28:35Go on. So you have nothing to retire. I put it into a 401k. I have at least$20 ,000 as what I remember from my last statement. I just don't know what it actually is. So weird. I never talked to Steve. Steve, okay. Sorry. It's okay. You started your checking account with$157. You ended it with$35. No shit, you overdraft. No. Oh, savings$1.65. Great. Yeah, I used to have like a lot more. Like$30 ,000? Yeah. Yeah, I had more in savings than that back in the day. Well, you had more than$30 ,000. No, no. I don't know how much you had savings. $30 ,000, I think, was together. Like$20 ,000, then$10 ,000.

1:29:19Yeah, that makes sense. Okay. For DoorDash and game funds and Patreon membership, is that ours? No, I don't know what the Patreon was. We literally have more shows and better content and more content than any other membership on Patreon, YouTube, memberships, all that stuff. Yeah, I've never watched your post show. The post show, but our Hammer Elite has all these extra shows. It's crazy. Thousands of hours of extra content. Literally, it's the second largest on the entire platform. And the platform has told us it is the best one because we offer more value than all the others. Yeah, it's serious.

1:29:54Oh, what is Game Funds? Gaming Fund. Yeah, that's the ESPN bet. It's not a couple hundred dollars since last year. This is$50,$50,$50,$50. Yeah, but I win something back. Oh, f*** off. PayPal paid for DoorDash. Gambling. Who are you subbed to on the OF? Oh, yeah. OF,$60.22. That was March, wasn't it? Yeah. Who are you subbed to? I have no idea. I don't remember. Was it a V or a donut? Doesn't matter. What's a V? Chess.com. Blizzard. Gambling. $50. PayPal paying for. McDonald's. Wikipedia. Discord paying for Discord. Merch, of course. Great. Crunchyroll. You'll fuel your addiction there even more.

1:30:53Gambling. Gambling. Pizza Hut. Tinder. We'll look at that in the post show. Okay. Yeah, betcha. My Tinder's not great. And we'll look at it in the post show. Oh, I could tell you something funny about Tinder, but yeah. We'll save it for the post show. Okay. YouTube, Danny's, PayPal, and Ford, Microsoft, gamblingthrone.com. What is throne.com? I don't know. You tell me. Is that like subscribing to one of them? Sending one of them money? It's a wish list for creators. Oh, my. No, don't do that. A wishlist for creators? Oh, come on. Come on. How much was that? You don't even know? Like$100? $89.32.

1:31:42So like$100, yeah. PayPal paying for, PayPal paying for, Amazon Prime, Blizzard, Blizzard. Overdraft! Overdraft for OnlyFans and gambling. Oh, F in gambling. Overdraft. Ah! Yes! Sorry,$36 in overdraft, right? That last month? You've overdraft$324 this year. Yeah, I told you it was a lot worse. What the fuck are we doing? Dude, I want you to do so well. You're a pleasant person. You're socially awkward, but you're a pleasant person. I want you to do well. You're not going to do well like this. You've overdraft nine months this year. But, by the way, guys, These statements went through March. He overdrafted nine times to mid-March.

1:32:34Yeah. Yeah. Who even knows what it's like today? For sake, that's insane. 15 to 25K in our 401K. Okay, there we go. Here we have the Lemo Emu in its natural habitat, helping people customize their car insurance and save hundreds with Liberty Mutual. fascinating it's accompanied by his natural ally doug uh limu is that guy with the binoculars watching us cut the camera they see us only pay for what you need at liberty mutual.com liberty liberty liberty liberty savings vary underwritten by liberty mutual insurance company affiliates excludes massachusetts i have no idea how to check it body pull up your amazon let me see oh my current amazon's a lot worse than it was in march

1:33:25I actually got the Amazon card You got the Amazon card? Yeah What's owed on it? Right now? I mean, it's different than what it was in March So it's tough to say I didn't have the Amazon card, did I? No, I didn't have the Amazon card in March No, what do you have on it now? I think it's like$400, but I can pay that off right now Dude That's$400 that could be going to debt you already have though Yeah, pull up your Amazon. Just your Amazon account for me. Okay. What are you doing to your life? I've been focusing on wellness now. I got into skincare. Oh, f***. It doesn't look that good. What a hyper fixation for no reason.

1:34:07Yeah, you got a little makeup. You got a little makeup. You got a book. What is it? A skincare book. You got Vaseline. You got hand cream. It was that book. That's the book I got. Towels. I don't like where this is going. Okay, skin perfecting 2 % BHD liquid. Tolerance, double repair matte face. Resist, perfectly balanced foaming. Buddy, you go, you you're going down a rabbit hole. UV clear face sunscreen. I'm glad you're doing sunscreen now, but just do that at a minimum. I've never done sunscreen and moisturizer. I've never done any case. So I kind of go hard when I get into something. Yeah, no.

1:34:41And it's bad. Razor. Lots of socks. Got to replace the crusty ones. Contact lens case. Yeah, I don't have matching socks. I think it sucks. Moist shampoo Natural bar soap I don't know Natural bar soap Deep moist treatment Premium hair mask Buddy how much are we doing here Thickening shampoo That's just a hyper fixation I get into And spray aroma something And you have Oh Elon Musk just tweeted I'm glad you have You have Twitter notifications on for people I'm sorry but I can't I just can't stand it anymore. This massive, outrageous, pork-filled congressional spending bill is disgusting and abomination.

1:35:26Shame on those who voted for it. You know you did wrong. You know it. Notifications can kill you because it's just like it's always constantly something to look at. I've just never had a notification on for anyone. Really? No, anyone posting tweets? No. I don't. Yeah, bad notifications. Well, you know, Elon, if you're watching this, come on financial hit. I think his finances are fine. I'm not worried of that. It would be interesting. But you got a fan here. All right. He's autistic too. Yeah. Total income is$3 ,400. That's brutal, man. Almost a third of your income goes to debt minimum monthly payments.

1:36:05$1 ,094.86. But at least we still subscribe to OF. But it's a fucking Japanese boy or girl. I don't know. But definitely Japanese. Probably not Japanese. I think Korean. You're right, South Korean. Yeah. What's your rent again? $4.50. Utilities? Non-existent. Phone bill? Non-existent. Okay. When you're ready, switch to helium if T-Mobile's in your area. $15 a month. It'll save you money. Gas, vroom, vroom, drive, drive. How much a month? None. What? Yeah. How? Use the card.

1:36:47Buddy. Oh, buddy. Come on. Oh, dude. Car insurance. 80. And do you pay it? Yeah. Groceries, 300. Use our cookbook. 305. 305, sure. Because that's$10 a month. Okay, use our cookbook. TP fund,$100. Okay. $100. Okay. Medical, healthcare, anything? I do have my pills. they're probably$60 a month. That seems a little high. For ADHD? ADHD, yeah, ADHD pretty much, yeah. $60? Yeah. You f***ing wired right now? No, I don't take the stimulants. Okay. No subscriptions necessary. Okay. You have a pet? Nope. Yeah, you killed your cat, right? No. No. There's a cat that lives at my parents' by. Okay. Okay. Anything else that needs to be in your budget?

1:37:48Because this is getting kind of stupid. I don't think so. Food. We have food. We did food. Yeah. Okay. It's all because of debt, but 2 ,095.80 is required to survive. What number did you have? To survive? Yeah. Well, I included subscriptions. Well, we don't do that. We're paying off debt, so you can have any kind of independence, buddy. Come on. And that's$25 more for TV. Okay, listen. Listen, okay, you have an extra$1 ,304 left over. Yeah. I'll subtract$100, put it to whatever you want, okay? $100 for fun. Yeah,$100 for fun. $1 ,200 left over, let's just call that. If you tackle this debt, not your student loans, and some of the balances were a little different, so let me re-add it up.

1:38:39$37 ,582, a bad debt. It's going to take 31 months, which is okay. two and a half years and call out a total of three years to get a fully funded emergency fund, okay? And then you have a little more independence. What I would do is I'd pick up a second job. You said you don't have much to do. I was out of work. So pick up a second job. Pay off this debt quicker. Try to be fully debt free. Get a fully funded emergency fund by bringing an extra $1 ,200 a month extra. That is by a year and a half you would be done. And then we save up a little extra money, a couple months more, and you go use it as first month, last month security deposit, and you move somewhere and you live a little bit of independence, okay?

1:39:15Get a better job. I think that is the goal, okay? Okay. So go bring in an extra$1 ,200 extra net with a second job, whatever it is. Second job, okay. Any second job, third job, I don't care. Get rid of this and get a fully funded emergency fund in a year and a half and have enough to move and then move. Guys, join us for the post show. We're going to go through his dating profiles, probably his OF things, and then some extra drama that we couldn't do in front of the paywall because it's a big platform. But come join us. Hammer Elite is the best YouTube membership on the platform, so make sure you join it.

1:39:50It helps us out a lot, and we give you a lot in return. Hammer Financial Score, spending in a budget, you overspend 0 out of 10. Debt, I mean, it's some stupid debt, high-interest debt. Come on, it's gambling debt. It's not good. But no collections, no IRS debt, so 1 out of 10. Emergency finance, C-savings, 0 out of 10. Retirement, what was it? It was like max 25. It was between 15 and 25, so we'll call it 20. 20 with your income, with where you are in your age, it's going to be about a 4 out of 10. Real estate, 0 out of 10. Definitely behind for your age for retirement, though. Hammer financial score, 1 out of 10.

1:40:22How much have you spent on skincare total in this last month? Probably like 500. 500 and a f***ing why? See your dating app. Oh, dating app? Okay. His location set to Asia. He just had his location set to Asia. I saw that! What? I saw that! What? Are you trying to get like a Taiwanese bride? Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.