The Most UNHINGED Financial Audit

32:48you want to say something i know you do i'm ready for my beating this is you know stop oh no we don't make those jokes in your episode i mean i went to a whole club for it so okay and i can tell you all about the other when's the last time you saw that ass uh a couple weeks ago for christmas why he comes around the family no he doesn't i go visit him because you want to yeah we've had a rough time but i also know he has a piece of well we've gone through that he has some mental disorders now that he's finally gotten recognized for what i don't think people have the i hit my spouse mental disorder uh bipolar disorder and stuff like that i know people with bipolar they don't hit either way he's also he's a very very violent alcoholic has he there it is i think that's a bigger play combine them it obviously gets worse but he never he she's never around him right because that's no no they're separated They've been separated for 20 years.

33:52Kim. Kim. I honestly wish him. 12 years. I honestly wish him the worst. Yeah. I, that's not. Well, he's in the worst. He's good. I mean, very after they separated. I'm a very redemption person. I'm good with pretty much redemption on anything. Well, unless you like touch a kid or unless you, uh, uh, beat like a spouse or pet or, you know, kids, those are those, you know, those two things. Oh, there's no coming. Six weeks after getting separated, he had a major wreck that crushed his whole leg. Good. And he got a payoff for over$100 ,000 and then squandered it all. Kim. I never wish ill on my enemies, even the people that have tried to harm me in this industry and just different stuff, whatever it is.

34:39Like even them, I'm not like actively wanting something bad to happen. But you do that level that he did, Kim, I hope the worst happens to him. and then that honestly sucks to have that feeling but it is what it is so$82 minimum payment on here and 50 cents what were we saying there we were obviously on an important topic we were over the limit and we were uh we were spending over a thousand one hundred and yeah why are you doing this because you said you said it's because i got a car two years ago that's subjectively incorrect you put half your balance on just this month right now it's i what we're talking about.

35:14Yeah, it says I like to use the little split floor payments on these credit cards to pay for it. Oh, yeah. Zip. Pay later. Zip, pay later. Zip to installments. Zip at pay later. For fishing and stuff. Fishing? The tug is the drug, man. The tug is the drug. Yeah, if you've ever been a part of that type. I bet you're a part of the tug community, especially now with her gone. No, I try to have something else do that for me. something else yeah well I don't know how much I can share on that but you can share as much as you want but I'm beyond curious because you didn't say someone else well I mean there's like machines that can do it or it's not you're not using like a fish are you no I'm not using a fish but no I was like those auto blowers or or if you ever know the place called dot com what is that yeah it's a you know is that a hook up site well kinda it's where you go for like massage parlors and stuff like that you're admitting to a crime you're admitting to a crime stop I've never actually done it it's just why would you bring it up you know it I've always been interested in it but I always Oh, we know you have.

36:39There's no way you haven't. I haven't. There's no way. You're using machines? I'd rather use a machine sometimes because I don't have to pay for it. I have to pay for all the extra.

36:55Where are we? And I'm too afraid to be somebody's bottom bitch in prison or something.

37:02You spend money at McDonald's and Shields some bull target probably. More shields. Popeyes. You went into QT. Couldn't stay away after you left there. Or you were trying to see the misses almost. And got some bullsh** from there. $58 of interest in just a month. Last year, $513 breathe from your mouth. 31.49 % interest rate on this card. It's not the best. Well, ladies and gentlemen, We made it through one card at 40 minutes.

37:42How can you not breathe through your mouth normally? Because I've gotten in a lot of fights and stuff where a lot of my structure is broken up. Who are you fighting? I got in fights in middle school, high school, and defending against for being bullied and stuff. Really? Yeah. That's really sad. Because I don't have a filter, I'll say shit. Well, you do have to learn that. I don't have a filter, but I also know how to not get myself shot. Yeah, I've learned that too now. Okay. All right, Navy Federal. What's going on here, my dude? Which part? The credit card. Oh, credit card. It's a closed one that I got in my second.

38:27This isn't closed, man. This is accruing. Oh, the card's closed. Yeah, the card's closed. But it's not sent to collections. Yeah, no, it's never been sent to collections. It's been closed voluntarily. What's the credit limit on this? Good. Thank you. What's the credit? How long does this take to pay off, do you think? Minimum monthly payment, which is... $8 ,000 or so right now. $8 ,041. It would probably take like 50 years, at my guess. $24. $8 ,041.63. Minimum monthly payment,$184.69.

39:04i'm trying my best man yeah you just sound like you're just dying that's my concern is do we need to call a hospital i don't know how much the mic is picking up never had someone die on set and if we do it's probably gonna be me so like oh my insurance will pay for all the rest of this stuff to who to well beneficiary is my current wife this is huge for financial audit for a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money.

39:43And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10 ,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15 % discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better.

40:23and finally you can too at a more affordable price head to calebhammer.com or click the link in the description below you will not regret this i thought you said engaged i thought you said my wife i'm good did i miss hear that oh yeah i said why would you guys get married it was in february 22nd of 2022 what no when that's no no no that's when you guys said you got together No, we got together during COVID and stuff, like 2021. Okay. So you guys were actually together for a couple years. Almost three years. Yeah, three years marriage. Was it a good marriage? It was a first good two years. We still had our spouts and stuff.

41:07Would she call it a good marriage? I'd say halfway decent. She said she would recommend me to the next girl. she said she wouldn't recommend me to the next girl I don't know what the credit limit on here is I guess because the credit limit is nothing now but okay yeah that's$8 ,041 man with$104 of interest accrued on a monthly basis $1 ,355 of interest accrued last year a late payment fee why? why? this one's closed you're not purchasing I tried to send you one that had the late fee well f*** you I'm glad you didn't because now you're getting called out. What, you want to get off? You're not going to get off easy like that.

41:49This isn't fucking Slappy Maps or whatever you call it. Sloppy Map.

41:56I know I have a problem. I even had it to where, I mean, going back to the relationship, I asked for a small loan of like$50 to put a down payment on a layaway for a toy gun. To who? A toy gun? Yeah, it's like Airsoft. It's my big hobby then. Wait, how old are you? 30. Airsoft? Yeah. Is for 16-year-olds? Well, me and my buddies like to do it. It was very good to exercise. You have a good friend group? Yeah, I did. Good. Oh, did? What is did? One friend wouldn't get his life together, so we cut him out. Yeah. Well, he wouldn't keep it. Wait, what does that mean? One person. he's not he's one he's one shut up shut up shut up i i need to talk through this oh one of my friends and my friend group decided to become a better person so we got them out oh it's not a better person i swear to you on that one he he's one of those like pick me boys like hey and he he posts like depressed stuff like hey i'm like oh like he like hey i'm having a bad day or like i don't want to get hurt again so i don't want to get this so i don't want to ask this girl out i'm like oh my god and you just see this on like snapchats tiktoks of all his and you're just like hey man and they constantly ask borrow money from us and we are like we have the Stop talking, please.

43:37And he had a better job than me. So what did he do? He was a line technician. No, what did he do that made you guys kick him out? He kept getting boo-hoo-y and asking for money. Boo-hoo-y. Yeah, so every time he got with a relationship. So that's him trying to get his life better, is him asking for money from you guys. Well, no, we would give him the money. He would spend it on Airsoft or something really ridiculous. And not use it. You recognize it's ridiculous. Yeah. Oh, yeah. Shoot. Everything I've done so far has been ridiculous. I think I was thought, I'm going to be honest, I always thought my 20s was just be the around moment and then I'll get together my 30s.

44:15For a lot of people it is, but obviously you're not. Yeah. I hit 30 before I could fix it. And the rest of your friends, you have a good support system and good friend group. Yeah. Okay. So when you said I did, you meant you only kicked out that one guy. the yeah the other ones are really nice the other one just bought his first house good for him I've never heard of Credit Fresh Credit Fresh is a line of credit instead of like a credit card you ask for draws because I was trying to keep my accounts from overdrafting I thought it would be good to and trying to get it out. You didn't even ask my pass question.

45:03Why was there a late fee on that pass card? I forgot about it. I didn't. This is my first time that I've had a late fee in doing this. I just forgot about it. But you overdraft. Yeah. You're drawing this loan out so you don't overdraft. Probably to make the payment so you're not late. So you're borrowing debt in order to not be negative you're checking in in order to pay your minimum payments and your debt? I recognize I'm a Rob Peter save Paul kind of pay Paul person and it's not working it just keeps digging and digging and digging and it's like I mean I really just wanted to like I just want to like I just want to be like just go out and and not worry and then I can just worry about it at home when I'm not doing anything just keep posting it off because I'm going to shoot like next week I might die yeah but on the statistical likelihood that you're not why not sacrifice today for the better future if you die you won't know that you have sacrificed you won't know that you missed fun because you're dead so who cares and breathe out of your mouth if you keep breathing on your nose like that I'll make you die right now so okay can I ask you a question your philosophy yeah versus your goals here is it working no so stop yeah i will never understand the this is what i want but this is what i do because it's so change it change it yeah hedonism isn't for me huh hedonism is not for me so it's a thousand five hundred thirty eight dollars with It's a$53 minimum payment.

46:48What is the interest on here? 138%. No. Yeah. It's. Why are you still taking money from this? Because you just drew 125 and then a hundred and then 890 and then 750 in one month. One month, three draws. To keep. I really need some. That much? How are you that far down? some some so i can't they don't give me the tools i have to huh at work i have to have oh don't tell me i have oh you're not one of those well i have a minimum equipment list i have to have i know but what did you do to get it uh did you get any used tools no i didn't i wasn't able to get used tools because there was a lot of problems going at the time how do you mean a lot of problems was 9-11 happening i don't think so no it's just it was okay because with my situation with my mom uh and everything i couldn't ask her for extra money to try to because i needed a toolbox and everything to go down to okc and okc already accepted my offer and okay but you could like personal loan or even credit card yeah but i didn't have the credit score to do that you're drawing on here yeah so yeah i needed like almost five six thousand dollars in tools yeah what would it have been used have you looked have you even shopped you know i tried getting used tools my brother-in-law actually offered me his uncle's try to get try to get his deceased uncle's tools but it just i couldn't get them in time for get them in time buddy buddy because the because i had to get it in you i just got the offer in may i understand that go in june so i had to get a toolbox and everything this current oh for the other okay see for the job that you got fired from after the three jobs you got fired from before this job that you're going to get fired from right okay that's i'm not going to get fired from this one i swear so far statistically I'm not living up to that I'll be honest okay great so you're one of the tool deck guys really collecting the financial audit and infinity stones yeah but I haven't I mean I've at least paid the truck off but not the but not the so the sexy little tool truck where the dude comes out with his nips and he's like and you're like buying all the tools in a million percentages.

49:20Yeah, but once I actually started getting the money coming in and whatever tools I needed, I went to like Northern Tool and Harbor Freight and all of them for the rest of the stuff. But my minimum stuff, I had to feel like I had to finance. There's a big... Oh. Bad debt, that one. Ally, let's see. Yeah, oh no. 2019 Hyundai Veloster. One, I've never even heard of that car. Two, you're getting fired from jobs left and right during this time. So what the f***? That's actually how I got it. Three, you owe$31 ,919.40. Four, how much do you think it's worth? I think the last check was$13 ,000. $12 ,000.

50:04$12 ,500 on a$31 ,919 loan. What is the interest rate on this loan? $16.99. Why have you done this to yourself? I will not understand. Because the car that I had no payment on, I had fixed the alternator. I had fixed ball joints and everything out of it. And I finally started and finally giving out electrical issues with the starters and not cooperating. Cool. Cool. Cool. So what did you purchase this car for? Out of want more so than. No, no, no, no, no, no, no. What? Price? $36 ,000. Cool. So there was nothing between the$0 car and the$36 ,000 car. There was nothing. There was no cars available.

50:49There was certainly nothing we could do. There was nothing. No matter what, I was going to come underneath for any car that I was going to go. I would rather you be underneath on a$10 ,000 car,$10 ,000 loan, than a$30 ,000 loan. Are you f***ing, what are you talking about? You're fixing, we're trusting you to fix planes and you don't realize that that's a big difference? Come on. Yeah. No wonder you think you live in a food desert with a Walmart next door. What are you talking about? it's just it's just more like it's a car i've always wanted like and i always wanted so we do it when we're a hundred thousand dollars in debt it was a hundred thousand mortgage it was a hundred thousand back then i mean that was i only had one card back then stuff and that was did you meet your wife-ish uh before i got that car no i got this alone we're actually co-borrowers on that car and now we're separating.

51:42What did you put down? Nothing. With the amount of interest that accrued on this car, man, because of how the S &P 500 has done over these past few years, it just literally had its best year in the millennium this last year, man. If I opened up my brokerage that I personally use, Moo Moo, and I bought into the S &P 500 around then, instead of this$30 ,000,$36 ,000 that I'm paying interest to, you would have just made so much. It's just so against you. This is not productive and now you're dramatically underwater. Everything's f***ed. Do you have retirement? I have my 401k. How much? $600. And$100 in investments.

52:24I mean, what's the dream of having a car you've always wanted since you were a kid? I'm down with it. I mean, you have a Tesla Y. You did it just because. Which is one of the more premium. I will answer your question because you asked it. would you like to hear the answer? Yes, sir. Because I could afford it. You couldn't afford this. Yeah, I was. We get the car we can afford. The worst part is before my grandpa did it, I was the one asking him for money to get this car. Am I in a privileged position? Absolutely. Absolutely. So I was able to get the car that I wanted to, and it was really cool, and I'm very blessed for that.

53:00And I'm sorry that you could not afford the car that you wanted, but math is math is math, and we live in the real world, and you're not coddled, and we don't get to the end of life in a better way throughout life. Everyone just goes around to you and says, oh, I wish you could have got the call that we wish you would get. That's not how our society and culture works. No one helps you if they're going to baby you. No one helps you if they're just going to fucking coddle. So guess what, dude? You couldn't afford this even if it was your dream car, so you don't get it. I'm sorry. That's the way the world works.

53:30I'm sorry because now you fuck yourself. You have fucked yourself. i will i will myself i'll take it right out of me and huh i'll be i will myself this you see you will wait your wheel i will sorry i have a slight twang uh i will i will it when i get nervous i start doing okay good try to say what you're trying to say i will myself okay go ahead how because the death's only been going up and you missed payment on one of the cards we looked at and you're above the credit limit on the other one and you're dramatically underwater by two thirds on this car. Because I have a guaranteed contract to go$150 ,000 in five years.

54:13$150 ,000? But what if they fire you? What's the buyout? Is there a buyout of the contract? No. Then what the fuck are you talking about? The only severance I get is... So there is no real guarantee. You're just saying if you stay there. So shut the fuck up. Buddy, as someone who's been fired from the last four jobs, statistically, you are not lining up correctly for this. I haven't... Okay. Take your time. I haven't been fired from the last four jobs. I've only been fired from that job. I have picked up another aviation job in between those for prop aviation. I'm not much of a car gun. I'll be honest.

54:48I more go for the technology. That's why I went for the Tesla. I know. Tesla. I know. Everyone loves it when I mention it. Yeah, the rental car is insane. It's like I just go for the technology. I really don't get it. Why is this your dream car? This doesn't seem like anything to me. Well, after... Put a picture up of a 2019 Hyundai Veloster. Spec in. Huh? In spec. It's a special edition. It's for track use, mostly. Right, which I'm sure you're doing all the time. What's at zero to 60? It was like three or four seconds. Okay. With a top out of 300 horsepower. It's a normal fast car. Okay. Yeah.

55:30it's just it's just it's not worth fucking your life that's 16 % interest what's the term length on this because you've barely made any progress have you missed payments? no have you put payments to the back of it? like you've made no progress in that wait when did you buy this? 2022? 2023? you've made no progress on those yeah 2023 that was it it was December so it would only be a year and now. Okay, Capital One Quick Silver. What's up with this? Are we going to learn from this? Because every single one of these so far is crazy. It started out as a $750 card and I was like, I can't do this. So I cut it down in half so I can pay it off every time.

56:19Huh? Okay, so what's going on? I'm still not paying it off. Because I know... Well, you paid actually a big payment towards it, but then you spent$1 ,400 $1 ,431. Easy. $31. How can you spend$1 ,431 with a credit limit of$350? Because I cut it down. Oh, well, there is a balance of$340 right now. So basically maxed out and$0.03 with a minimum payment of$25. What the fuck is happening here? Oh, it's all bullshit. There's not a single necessity on here. It's all just highlighted lines. Oh, you. Yeah, yeah. I'm a d***. but it's what i'm self-deprecating i try i put myself down when i'm like what'd you say you just made a sound i'm a i'm a dumbass this is what i said and i was like you are a dumbass yeah in your actions and other areas of life maybe not but this is the dumb rassery of a statement yeah this is a credit card that is maxed out that it's a crewing interest what the f*** are you doing you're going mack to cool mack co tools 123 dollars and water burger going in a gas station getting some bs what's imperial it's the i'm basically owned by the uh of the uh what are those things vending machines i they're owned by the vending no i'm basically owned by the vending machines i like to get like my breakfast and stuff out of them your breakfast from a vending machine what a way to start the day yeah it's what do you get from a vending machine for breakfast a pop-tart maybe or sometimes you know they have those at walmart where you work right next year on cheaper you know they also have cereal walmart where you work where it's close to work that is cheaper uh it's just convenience of me being like that would be more convenient to grab a pop-tart eat it on your car ride yeah i don't know what you're talking about all right so yeah so you pass many grocery stores on the way yeah i do but it's just oh don't do me like that buddy come on of course i'm gonna do that you said you lived in a food dessert.

58:24That's a certified belief. But it's also not correct. But it's also not correct. Buy a food dessert? I don't care if it's buy if it's in. It's not. I looked at the map. Yeah.

58:39Alright. Well, vending machine, vending machine, vending machine. Working at just the eatery. McDonald's going in, getting some BS. Vending machine, vending machine, McDonald's, vending machine, vending machine mcdonald's vending machine reezers the research is our local uh is our food is our food supermarket i go there to get stuff to make like jambalaya and stuff like that for the family and everything food desert i cook yeah i cook for the family sometimes food desert water burger returned mobile ach payment a returned ach payments returned i didn't have enough money when it happened because i don't it's just donald's sake tackling outdoor yeah for your little fish yeah tackling outdoor stop buddy you can't afford that hobby obviously obviously just swim okay catch them with your mouth one korean barbecue and hot one korean is that one of your place on your special map yeah a little rub map uh no that's actually a Korean barbecue place that me and my wife go for special occasions.

59:50Special? Yeah. Well, maybe special. Go inside the gas station. Got some BS. Go inside the gas station. Get some BS. Go inside the gas station. Get some BS. It's just like... Bending machine. Acto Tools. Brewing. It's less than a minute. Got some stuff and some BS. Stopped at a gas station. Got some BS. Stopped at a gas station. Got some BS. Slim's Barbecue. Stopped at a gas station. Got some BS. Intermexion restaurant for$70. wait why the fuck are you going with your wife she broke up with you well because we're still on good standing we're still best friends and we hang out why do you live there making so much money I'm so confused I don't get this whole situation it's fine it's paper he broke the chair it's a habit to break the chair no it's a habit like oh something dropped because if you're working on like the planes out of the air that you work on Yeah, if you drop something, you want to make sure it doesn't get left behind.

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1:02:29And when you're ready, use the link in the description for$50 off the full course. Your future starts right now, and Course Careers is here to help you shape it. Yeah, but we're still understanding. And I also just, it was at the time, like, I just didn't want to leave her. Why do you still live there? Because after I lost my job in OKC, every other job was to come back home because Tulsa is a much bigger. Cool. Why do you live at home, though? Because I want to get a down payment ready for, to buy my. Are you really going to get a house? I'm a little nervous for you to have the responsibility of owning a house.

1:03:08I'm going to buy my grandpa's land. Like renting is okay with people. Is that a big also? It's in Bigsby. It's in the area. How far away from that, from the airport? 30 minutes. You're really not going to cook out there. Where's the closest grocery store to Bigsby? 15 minutes to Glenpool. Actually, Bigsby is sprawling out. So I think if I buy that land, it'll actually. That'd be great. What do you need? Who owns it? My grandma. It's fully bought out. And she wants to sell it to you. She says she's going to sell it this year. Why doesn't she do owner financing to you? She wants me to, she wants whoever is going to get it is to get a loan.

1:03:44So it's a race between family members. It's a race? None of my family members make any money. So your sister does well?

1:03:56They're half siblings. They're not from my dad's side of the family. it's it's very complicated in that weird world not really it's just they're your half siblings yeah but they're not in like they get upset if i say they're half siblings so i just call my brother and sister because they probably just view you as your brother as nobody else in my so what is this she wants someone to take out a loan so you're just trying to get enough money down to qualify for a loan yeah well i also get the how much money technically i won't need any money for how much is she wanting for the house you fuck i think she wants about a 150 200 000 okay so what are you trying to save up for a down payment even though you get the va loan because it puts skin in the game i said how much oh uh i i wanted about five percent in before she wants to sell it for exactly you gave her range what she doesn't have a number she doesn't have a number yet so what are you gonna do then 150 is that what you said yeah so 7 ,500 we can get there we can get you there in two seconds but you shouldn't get a house without a fully funded emergency fund you shouldn't get a house without having all this bad debt paid off you have over if you get a mortgage for like 150 ,000 dollars that's almost equal to all your bad debt the money guy says the emergency fund should come after debt that's what the money of order of operations says that yes I said don't get a house until you have an emergency fund or until you're out of debt I misunderstood yeah it's okay Okay.

1:05:26MaxcoTools. I don't even know what technically the interest is on that. Great. It's like five years worth of weeks because they do it by the week, and then they don't tell me the interest. They just tell me the payment. Looks like 32 % interest rate. Whoa. Wow.

1:05:48That was close to my calculation when I did it at home. Well, maybe not, though. I mean, the balance has gone up. I was calculating off that. Why has the balance gone up? That should just be a quarterly statement. They only send it out every quarter. Why is it going up at the quarter, though? I've made every payment. I don't know why. If it's going up. The balance of nine. Oh, the beginning of this quarter. Wait. No, no, no, no. But the beginning of this quarter. The very bottom is what it's supposed to talk about. Sorry. You're a mess. What? Okay, what do you owe today? Yeah, no, your balance went up.

1:06:26Your balance went from$20 ,554 to$22 ,000. I did have to get some tools. Oh, did you? But I didn't think I financed them through them. I did it through the... What a fucking racket. They got you guys locked down. Weekly payment. A weekly payment of$86.25. Yes. Yo,$345 a month. These are stacking now, man. Just stacking. This is stupid. Stop it. You almost got entire free tools from your uncles. Dead someone. This we don't need. This is stupid. Did you get the free tools? No, because I already had to get the tools anyway.

1:07:12Get the free tools and sell the other tools and pay down the debt. I would have lost the contract if I didn't get the tools. I'm saying now, you shit. Okay. Get it now. Sell your tools. You'll take a loss, but it goes towards the f***ing debt. Math. Merrick Bank for what? Another credit card. For what? Because why is it$1 ,964.48? Because it's not at its max limit. Why do you get up to that? Buddy. It's just a feeling of instances. What did you spend on it? Oh my f***. Oh my f***. These questions are not difficult. I got that turned temporarily off for six months. It was mostly fishing stuff. Stop.

1:08:15Stop. I mean. $216. Oh, fees, buddy. $96 of fees this year. Yeah, they have an automatic$100 a year spread out over a month. And then late fees. I know it's that baked in stuff, but I felt like I could try to rebuild credit. And that was my very first card to buy back. Your credit, man. I don't care. You're destroying your life. $41 minimum fee payment. and and well I've I've looked at the fizz card and everything and stuff is just I just thought that it's just the $200 intro membership was like oh well that's new they kind of just turned that on but we're we're working with them on our link to make sure it's like much more much much so it incentivizes my mind like oh I can just fix this card well they do that instead of like interesting stuff so it's different or you know extra fees I mean, anyway, it would still work out over end to be better.

1:09:21But it's just like the intro rate is just like, oh, I can fix myself. I can fix myself. Yeah, obviously. How's that working? Okay. So it'll get there. What is the sheet? I mean, what is the sheet? Money owed to mom$13 at 6 %? She's charging the interest? Simple interest. So it's not compounded at least. Yeah. So take whatever I initially and then just add 6 % to it. and then is that the 13 000 that's the final is 13 000 the final amount yes why do you have this to your mom it's well because i needed money to move down to okay see that's why you've never had money for anything yet you just do everything this doesn't make any sense but you have always because i've always been able to just ask my mom or ask my that's not money that is debt and but it's just but but i've always made a good case is like i'm gonna be making this i can pay you this amount no i'm sure you're able to justify it like crazy but guess what it still has not worked that's how i got up i don't care i don't care what's the minimum monthly payment on this is there 300 months to her yeah she lives with the roaches is she in like section eight or like what no her house is bought and paid for it's a house that she owns yes she for sake why is she not getting pest control i do the pest control it's you're failing at that like everything i've knocked it down several times it's just we have neighbors that um are very kind of grody and you don't blame them yes because we also live in a very wet area which is what the natural environment for roaches is and because no for the sepalpa area we are in green country we get the most rain out of all of oklahoma but out of oklahoma oklahoma's just can just well we're in the It goes up in the time in range.

1:11:10Okay. Good show. $13 ,000 owed to this. Breathe out of your mouth. $300 a month. Money owed to a former employer. What the fuck, man? What is that? My contract stipulated that for sign-on, I have to do three years for the OKC job. What happens about this job if you leave? Same thing? No. I don't owe them anything. Sorry. Go ahead. Continue. But I've already talked to them. it's$375 a month. Your monthly payments are insane, man. This is f***ing crazy. This is f***ing crazy. I've never had a conversation like this. This is f***ing crazy. Money owed to unemployment fraud? Oh, you're f***ing collecting new stones that I didn't know existed.

1:11:57Unemployment fraud? But I've tried talking to them several times and they've never reached out to me. What do you mean? what does that even mean that i got the unemployment when i was let go in uh it's covid and i was i thought instead there was still more work to do but i was just let go and i was fired so i misunderstood what the phrase of the sentence meant and so i collected unemployment for uh the stimulus or not stimulus what is that the extra taxes or whatever during that time to increase unemployment money so help me survive to afford a life what do you owe monthly to them you don't know you just know that you owe it yeah i've tried talking to them several times they never called me back they said they were going to garnish me but it's been like four or five months they kind of do oh four or five months that's not long enough for me to just like void this four or five months is nothing well it's It's been five years since I took it out.

1:13:00The federal government was going through a big change. I know, but four or five months since then, just give it time. We'll see, man. Oh, medical debt,$2 ,586. Breathe out of your mouth. I'm going to make you have more medical debt soon. That's supposed to be like Workman's Comp was supposed to pay for that, but then they never did it. And so now I'm on the hook, it feels like, for that. I've tried reaching out to my former boss, but all they give me is the insurance code and they won't you talk to the insurance no i haven't tried them yet because i don't know how that like i didn't know that was an option is to talk to the they gave you a code yeah because i gave it to the emergency room when i got admitted the code the the the insurance providers welfare whatever number okay from uh from my employer when i got hurt what happened how'd you get hurt i so i was working on a car and i was uh he had this car work not this job i was while i was in school i was a uh automotive slash uh tire changer technician okay um and i was i was went to lift a tire and it was really heavy and i threw my back out it was so painful that i had to go to the emergency room and i was i couldn't move for a week and a half.

1:14:23I was on a lot of pig meds and stuff. Okay. What am I seeing here? Pretty fun Thanksgiving though. Just being on my back on pig meds. Are you talking to yourself over there? What is happening? Well, yeah. Sorry. I'm reminiscing on that one. I'm trying to talk about student loans here, my guy. Because I see them existing. I actually didn't have to do those student loans. what do you mean you didn't have to do them they're right in front of me well because my gi bill pay for all the school i just but you have 22 000 870 yeah but it was to take out and use for uh to lower like my principal on uh the the navy federal card because it was because if you the whole credit limit is 22 000 student loans to pay down yeah because instead of like 18 % you're so lucky they did not know that at the time well it was to keep me in school so I could fight $22 ,873 to pay down credit card balances so you billed yourself out again it was just to absorb that one I paid off another credit card I closed it and then a few months later I bought I'm sorry I don't think you're getting out of debt I'm I'm leaving it real.

1:15:49I don't think you're getting out of debt. You've been down the cycle a thousand times. And for some reason, you refuse to change your behavior. And we'll connect you with all the classes, the debt class, the budgeting app, the therapy. We'll connect you with all of it. I don't think you're getting out of debt. Use the tools and use the people. You have to go to therapy. You especially have to go to therapy. I'm on a medicine now that makes it a whole lot easier. That's good, but you need to talk to someone. Yeah. It's not just the medicine. Yeah. You need to go to therapy. You need to go through the budgeting class.

1:16:20We just recorded a follow-up today, and the person went through the budgeting class, and I got them through their debt. They paid off all their active credit card debt. It's incredible. Do that, too. Over 10 ,000 people have taken it. Student loans, is there a minimum monthly payment? No. Forbearance right now. I already talked to them. Is it because you are on the save plan? Adjusted. Well, because during the time, it was active until I got out of school. in about March. And then I finally got a job. When does it start? It's supposed to either start March, but I mean with the current administration, I don't know.

1:16:59It could just immediately start back up. That's what I'm worried about. Well, I don't think so. The deferment from graduation, I don't think so. But that's already done. It was supposed to start. You requested an additional deferment? Yeah. That's within the system. While I think more like the different forgivenesses and like the save plan, that stuff will probably get destroyed. But, okay, so you're likely looking at a minimum monthly payment of, I'm guessing about$250,$300. I'm going to say$275. I used to say the income-driven one. So you are on income-driven. Well, no, I asked for it to be put on.

1:17:35And? They said they're reviewing it, and it's been a while. I'm putting$275 on there, and we'll see. What was your last taxes? What was your claimed income in your last taxes? 25 ,000 okay you'll probably get put in well unless it happens after this next tax year because okay what did you make last year 30 ,000 on this last year because I only just started I'll cross that out for now I'll cross that out for now because we don't who knows I just got this job so I know okie dokes student loans more student loans all them added up good good good good good set all your debts they've gone through all your debts they're horrendous and you're thinking about getting a house yeah I think that's about it wait do you have

1:18:25American Airlines credit union no I don't I have it on I have a 2500 initial loan for and then but it's$50 is it a personal loan yes guaranteed by they just take it out of my paycheck So what is it? It takes it out of your paycheck. What's the balance? $2 ,500. And it was given to you for moving expenses and stuff. Okay, okay, okay. Shh. Shh. Shh. Pretend like you fell out of the fishing boat. Plug your damn nose. Zero dollars in this balance, $1 ,000 spent from the cash app. You're taking out cash-up loans. Yes. What is your balance owed on there? I.e. another loan. $75. Your balance is$75. Yes.

1:19:23Why do you have it? Because I'm going to be honest, it's a cycle I can't really. You make$80 ,000. It's a$75 cycle. Literally, you went out to eat$700, and you spent miscellaneous bullets. $900. Shut the fuck up, Cycle. This is your behavior. Yeah. This is you being a literal child. I just act like a child is not going to have your mom recognize you as still being her little boy. Okay. Yeah. That's not how this is going to work. I'm really trying to make sure I'm not the bottom of the barrel of all the kids. Well, you're competing against someone who went to prison, so I don't know if you'll get there.

1:20:05Yeah, but he has two businesses now that are flourishing. so well and you committed unemployment fraud okay cash app loan repayment yeah loan repayment loan repayment this is crazy drawdowns blah blah blah that's ridiculous dude let's check it out there's nothing in here 156 dollars no wonder you're getting your payments are being declined flex finance what's that is that another one uh flex finance is the one to split uh your how often are you doing that i'm not doing it anymore but during the um time of my apartment. It was just every month. It was, and I paid it. Flex? It was just, it was$15.

1:20:44Overdraft! Overdraft! Kings, Salsapa, Salsapa, ATM Latra, Popeyes, PayPal, you know, restaurants. This is really hard to read. This statement is not a good statement. Went inside, got some BS from a gas station. More zip, pay later, zip, pay later. A tool sales, tool sales, stop! Please. Well, that's to pay back the truck. That's not just to... How much did you order the truck? The truck was like$500. How much did you order the truck? The$500 was... But currently, right now, it's$175. That's a debt, you debt. Add it to the debt. That's paid off in two weeks. That's still a f***ing debt. Wait, what is this?

1:21:33Why am I seeing a personal loan here? What is this? Oh, that is the... That's American Airlines. For f***ing sake, it's a 17.75 % interest rate?

1:21:50It is! It's here! Yes. F***ing dude. Let's see if I can even budget this. This is going to be an interesting little equation. Breathe out of your mouth. $2 ,201.26. cents. It's insane. You don't pay rent. Do you pay utilities or anything? I pay rent. I pay$100 towards my mom for rent,$150 for insurance, and then$50 for my phone. What insurance? What insurance? Car insurance. Okay. $150 for car insurance? Yes. And then what was your phone bill? $50. Okay. Do helium for$15. I don't own my phone. When you own your phone, do helium for$15. Okay. So we'll put$50 for now, right? Yes. Is that what you said?

1:22:29Yes. Oh, my gosh. People. Okay. Utilities, do you do anything for that or is it just the rent? Just the rent. Okay. Groceries,$300. You're doing it for yourself. Use our cookbook and our budgeting app, the Simpler Budget Budgeting app. Use the cookbook. Get it at simplermoney.com or calebhammer.com slash app, by the way. $300 food payment, TP fund. Anything else you need to survive? All your happy endings,$100 or your machine. Lucky Glocks. okay gas vroom vroom drive drive uh it would be about uh sixty dollars a month you know you're gonna have no incentive to try to go out there and date if you have a machine that gets you off every day i actually already have a date lined up for uh for in a couple weeks how'd you get uh bumble or not bumble no hinge i did it well that's yeah i mean it's online so that's fine Okay, cool.

1:23:27So$100 for rent again? That's what it is? Yeah. Okay. Medical health care that comes out of your pay. Do you have any co-pays or anything like that? $25 per visit. How many visits? With a deductible of$1 ,600. How many visits? I only do it once every couple months. I'll just put it in your budget. $25. Physical every couple months? uh it's for as right now i'm doing a little bit more because i'm trying to get on tight tight zip head with zip bound it's the kind of it's a it's a different type of formulation yeah yeah yeah okay any pets yes no i have three frenchies oh no they're one expensive and two me they're living at that house oh poor guys yeah they are uh they do live at that house but they're treated better than i treat myself but it's just it's insane because now we need to put in 60 hours of pet insurance because you can't afford if something big happens yeah how much dog food on a monthly basis price price price uh nothing right now i take it from the bulk buy that my mom gets for her dog.

1:24:44Okay, get pet insurance for them. Anything else that needs to be in your budget that I have not put in? No. What a f***ing joke. $3 ,146.26. You're bringing$5 ,000 a month. F*** you. Stupid, dude. Stupid. You don't even have to take care of the lady that never contributed to anything and has no ambition or anything. 1850. What? One of the reasons I get a lot of food out is because I just bring it home for us. Because of the roaches and everything. Say, hey, what up, girl? Yeah, we're broken up. Ever since I started watching your show, I started doing that. I'm giving you$250 a month for fun because you have that.

1:25:36You have money left over. so you have now$1 ,603.74 after your fund of$250 a month. Come on, man. This is so stupid. Now let's minus your student loans from your debt. Let's just get how long this takes off. I'm going to take off your medical debt, and I'm going to take off your student loans, and then we'll deal with those when that happens. Dude, you have no control over your body. $76 ,643 of bad debt outside of the medical debt outside of the student loans. Yeah. $1 ,603 to go towards it on a monthly basis to take you 47 months, 47.8 months or 4 years. You know? Sucks. 4 years is actually not the worst.

1:26:26Especially with me giving you a fun budget. 4 years is not the worst for the amount of mess you got yourself in. I'd actually be happy with that. people have to go through longer processes with less debt so four years that's not bad and your pay will hopefully continue to go up maybe you can pick up hours somewhere maybe you can go work a second job but overtime starts in uh there you go do as much as you can bring it down to three years and get a fully funded emergency fund then save up a little bit of money for is your grandma gonna die uh she don't think so okay then let's focus on this fully funded emergency fund then a five percent down payment on the home then good to go it's called that entire process five to six years that is not bad you will be beating the median age for the first time home buyers and you'll be living a good life okay no more around dude there's no reason why you should be in this there's no reason why you should be getting fired there's no reason why you should be a child there's no reason why any of this stuff what a joke you're spending in a budget score you overspend zero out 10 your debt you have unemployment fraud zero out of 10 emergency fund nothing and savings zero out of 10 retirement barely anything in 401k but at least there's something there one out of 10 you blamed some of your things of throwing up a massive percentage to your 401k at the beginning it's 400 in there what the are you talking about shut up just trying to make excuses the whole time zero out of 10 because of that excuse in the dumb i'm just pissed i'm gonna actually round you down which is never happening zero out of ten guys come to the post show link in the description below our youtube membership join elite for the best value of a dollar you can actually call in and talk to us in our call-in show join us for the streams and the exclusive audit so much stuff join us i have a feeling with this dude it's gonna be an interesting post show i feel like we're about to hear from the best tugs that you can get on a map in tucson i got so drunk i kissed a grandma and then i ran off and threw up i saw lindsey in the post show i wanted to come here and be like hey well not in that way it was just like it's just she looks like the woman i would be really interested in so it is like that but no but some ways that would be a lot closer to me lindsey would destroy you i've been to those types of clubs where they destroy me i like really strong like women that will like basically kill you i should not have said what i said because i did not know that to watch the financial audit post show click the join button below