This Walking STD Pisses Me Off | Financial Audit

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0:41No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. To watch episodes of Financial Audit a week earlier, check us out on YouTube. she called me saying that she had an std so you consider this std test to be bullshit but not all the going out to eat yes it wasn't so don't try to come in with that don't try to make yourself look like the good guy out of a sympathy place um lucas i'm 25 and i am currently living in houston and this is the financial audit the financial audit it's back again so thanks for coming over to austin and what do you do for a living in houston i have three jobs um oh yeah okay uh so first job is uh i guess the day job monday to friday mornings most of the time and that's i inspect welding using x-ray how many monday to friday mornings so it's just like what six to 10 uh it kind of depends sometimes i'll come in like 4 a.m yeah some days i'll come in at 11 a.m How many hours a week are you working that job?

1:58It's very inconsistent. I'm not going to lie. Okay. Like since the storm hit Houston, the week that the storm hit, I didn't work at all. Makes sense. The week after the storm hit, I worked one day. And then the week after that, I finally. Is there an average? What are you, Thanos? What is happening on your hand right now? This is probably the number one reason why I'm in debt. Really? Okay. We'll talk about that in a second. Sorry. It just caught my attention. We were just chatting for a little bit and I literally did not see it. I put them on before we started. That's funny. Okay. I never had a ring in my life.

2:34I mean, I don't think any of these are going to fit you, to be honest. Nope, probably not. Well, I don't know. Actually, our fingers are pretty similar. But, okay, cool. So you don't know how many hours you work at that job? It's not consistent, but I say a base 40 just average because sometimes I work 60. Across all jobs? No, across that one job. A month? a week 60 hours sometimes and you worked one day no no so the money to friday some day like so example like some days like three days a week you know just depending on how busy it is what okay i'm sorry that's i'm confused what are your other two jobs okay the other two jobs uh i'm a bouncer at a bar oh okay that i usually work friday saturday and sunday night um it's pretty good uh i mean i probably get somewhere close to 20 hours a week just doing that and your third job third job uh is i work at a jewelry store i'm office associate technically is that where you got those from yeah partially some of these i went to a custom jeweler how many hours a week do you work at that one uh that one is a lot less i usually work like once or twice uh a weekend or not weekend uh a month but like on average how many hours a week do you work through all these jobs a week varies but average average i'd say around 70.

4:04okay so that's what you meant okay what's the best paying on and what's the worst paying on uh well hourly rate it'd be the bouncer job is the best hourly rate okay um well less hours and the worst the jewelry store job uh okay that's the worst so why are we working 70 hours a week right now uh and then also why the f*** are you in so much debt working 70 hours a week what are we doing here because let me tell you the progress wasn't really made yeah i'll let that be known yeah uh so i mean it started before i was working three jobs and honestly i had to basically get the third job for two reasons one struggling with paying the minimum payments just the minimums okay well not i mean one of them i'd put more into than just the minimums yeah but you're struggling to literally just pay only the minimums yeah okay so your needs were just out of control uh needs slash uh exploits i guess you could say or splurging on okay yeah okay sure um but yeah and then the the second reason was uh really i got the the day job because before i was just working the bar and then at the jewelry store uh but my so i had a girlfriend for a year and we broke up for a year but we were still having classic and uh she said she was pregnant oh um yeah uh so i was like well i got to you know start busting some ass and really try to get out of this debt that i'm in yeah you should have busted her ass well yeah that was i mean that are just pulled out but um um but and you so

6:05um but then uh came june when the baby was supposed to be born uh so me and her weren't living together oh sure um but we were planning to move out a month after the baby came you know because the first month baby's really susceptible and i was really supposed to go outside much because were you seeing her during this time did you see her through the pregnancy yeah we were together but not living together you know and then working three jobs i mean hardly had time to really do stuff okay go on um i'm intrigued so apparently early june she went to the doctor because she wasn't feeling well i didn't she didn't tell me about this and when she went uh basically she found out that the baby wasn't mine oh yeah so interesting uh but she didn't tell me that were you guys exclusively diddling uh or i think we just didn't talk about sure fair enough okay but uh yeah she definitely didn't let me know that she had anyone else sure let alone unprotected okay um yeah risky definitely risky uh what was i saying so so she had a baby that's not yours she found out then after she found out wasn't mine she still went ahead and uh she gave birth to the baby without letting me know either and just kind of let me i guess just continue to think that she was still pregnant because we just hadn't seen each other very curious to see how this got you in debt but go on and so then uh at the end of last month or the beginning of last month she finally went ahead and told me that uh the baby passed away this you mean last month like last month last month yeah like from right now okay wow really yeah uh that's tragic it was i mean it's definitely one of the worst feelings you can imagine yeah um let me sit with that for about two weeks until she finally told me the truth you know about what's happening okay what what was the truth the truth that she had with someone else and that's oh that's true yeah okay so did the baby die no the baby's health baby's so she told you the baby that you thought was yours died yeah instead of telling you that she someone else yeah because she knew that basically she was gonna lose me you know she loves me how does this mean you got into debt well no i'm explaining why i got into the third job and why oh because you were ready to start working for the kid yeah oh okay i get it and now are you maintaining to hopefully get out of debt or oh i mean yeah i mean i just with that situation uh you know thinking that my baby passed away yeah that's horrible i still was in the mindset like well i still have to work because i still have to pay everything that i owe you know at least make the minimums so the fact that i didn't really have the opportunity to take off work yeah and really grieve was very unfortunate the same thing happened last year when my uh remind me how long did she allow you to think you lost a child and then say that you just never had a child uh so she allowed me to sit with that for almost two weeks honestly makes mistakes that's yeah and mistakes are okay to do but this just happened so she's a right now and hopefully she grows beyond that but that's up that's up because one when you did kind of lose a baby twice yeah you thought it died which is the worst but then also the baby that you thought was yours you also just realized just isn't yours yeah but it was a it was a big relief though you know sure the baby was fine because i mean before that i mean it was a wreck uh i mean no lower point in my life and then after she told me the truth of everything i went and got hammered at a bar with my friends okay you know and this is why you're in debt because you got hammered with your friends no why the are you in debt why are you in debt i'm in debt what is happening well okay i'm sorry to the sad story it's a wild story um interesting wild but why are you in debt i think when i was younger i just man i like at first i started with ten thousand dollars younger like three four years ago okay sure um i thought you know like 10 000 wasn't too crazy you know and and then it just continued to snowball and 10 000 what you went into 10 000 hours of debt immediately not immediately or you had 10 000 like credit lemon you thought that was what are you talking about 10 000 not too crazy basically with some of my cards combined at like you know a couple years ago it was already around ten thousand dollars their balance yeah balance or their limit balance okay so you're at ten thousand dollars gotcha and they're what just like bulls just like around rings around what are you rings what what is what do you what is this this is like an obsession so it's i don't know i mean they're really nice to look at you know like and i i feel good when i wear them you're not gonna almost get another woman pregnant if you keep wearing those well i don't wear them all at the same time it's actually good birth control oh then maybe i should wear them i'm yeah i'm just kidding with you but uh is this like actually so a lot of the debt was because of these rings uh i say a significant part uh because so with one of the cards which is where i put most of i guess the funding towards ease i guess you can't So walk me through this.

12:06How much cost what? What is what? Let's see. This one cost approximately around like$3 ,500. Oh, my. Kill me. Okay. Wow. Green diamond ring.

12:21Kind of got it partially for the Eagles. One diamond. Yeah, I guess you can see it's green if you're like literally like this close to it. yeah but you know represents the one super bowl they got so far yeah um i should try harder next time and then uh this one was actually the first ring i got this one was about 2500 okay um i got this after kobe passed away and he was purple well it was lakers okay sure and then i don't know that sport this one uh so like i probably i mentioned to you earlier uh i go for the angels and the dodgers yes uh that's baseball right yeah yeah so sport where nothing happens yeah yeah so the center one represents the angels uh world series win the six sapphires represents the six world series they won while they're the la dodgers and then the one tanzanite represents very sentimental rings and how much was this this one is probably the most expensive uh because the center stone how much was it well how much was the center stone center stone was almost 2 000 and buddy it looks like it's like bejeweled or something like i don't no offense no but like yeah what um but yeah this one probably ran to close to four all together four grand and then this one the center stone is a thousand and then the rest of the ring itself is probably another thousand two thousand on this one uh-huh and then i have both my gold chains oh so both of these are about twenty five hundred this one used to be longer but i cut it down i'm gonna make fun of this so bad but i just really don't like this is okay um so yeah so but the one thing is uh when i put this on the finance card finance card it's called the finance card no but i mean as the oh financing the jewelry jewelry stores card their financing card okay yeah thank you um very obscure with the words you say like a very general term just hoping i yeah know exactly what you're talking about so uh they offered deferred interest sure for 12 months oh you betcha um but of course me not really being responsible okay i didn't pay it off in those 12 months so if you don't pay it off in those 12 months all that interest gets slapped on when when did that get slapped on after it was after 12 months after when when did it are you kidding me okay sorry sorry sorry sorry we're best friends we're best friends when uh did that hit well i bought these all at different times if you're still investing on basic brokerages like robin hood for the love of everything in this world consider switching to better alternatives like muumu which is my personal favorite investing app and the official brokerage partner of this channel and the sponsor of today's video just like robin hood muumu offers no commission fees on u.s stocks etfs or options and no hidden costs, contract fees, or minimum deposits, which is crucial.

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16:20And for everyone that's still stuck using basic brokerages like Robinhood, bring those portfolios over to Moomoo and they will cover the ACAT transfer fees and give you up to$300 in cash rewards. Thank you to Moo Moo for supporting my audience's financial future and for supporting this channel. Now back to the program. We did the deferred interest hit. The deferred interest. I guess this one hit March 2022. Okay, a couple years ago. Okay. And so that was... So has this been rolling? The debts has been rolling? Pretty much. Because I was paying minimum payments on these. and is that all your is that your collection is this your entirety of this is all i really have to show for do you wear how often do you wear these things i don't wear them too much oh let's sell them so oh great about that lack of sacrifice okay yeah no uh the thing is oh sure what i came find out when i try to sell i guess this chain okay um even though i get 50 off at the jewelry store i work at what i would get offered how do they have margins on that or are we saying the margins are already like 95 well i think you also have to put into perspective the work that they pay the jewelers to make it okay so it's partially and then whenever you go and sell it to a pawn shop for example they only pay for what the gold is like worth in the sense of weight so even though you get 50 off i get 50 off um i'd only make about 50 of what i bought it for originally you'd only make wait so you got a 50 off but it's only worth 50 of that so it's worth 25 of what the sales price would have been pretty much if we were to sell it through why the did you i was unaware through a pawn shop that's not the only way to sell it though it's not uh you can try to sell it privately yeah but it's more difficult and most people on there trying to lowball you as well of course of course and uh only want to pay what the gold is worth in the sense if you sold all this what would you get conservatively all of this all of this stuff that looks like you could buy from the dollar store?

18:42Less than$10 ,000 for sure. Maybe$5 ,000 to$6 ,000. Okay,$5 ,000 to$6 ,000. Do you still have the debt on these things? Yes. What's the interest rate on the debt of those? Approximately somewhere between$25 ,000 to$30 ,000.

19:05That's insane. so you lost 50 % of the value immediately you lost 50 % of the value immediately and then there's an additional 30 % you're losing on the balance that's insane but if I were to hold these for longer eventually they will be worth more because the price of gold goes up oh you're going literally just off the price of gold I mean it skyrocketed Yeah, during the inflationary period, gold hedges well against inflation, absolutely. But, I mean, it's just not as fast as... Well, not only that, is it appreciating at 30 % a year? No. Is gold appreciating at 30 % a year? No, I don't think so, is it?

19:56No. Last 10 years, gold is up 22 %? I think it's 22%. for the last 10 years and you're losing 30 % a year. So sell it and get rid of it. What are you talking about? In what world is there that makes sense? And also that's a return in terms of investments. If I invested in the stock market and I only got 20 % over the course of 10 years, I'd be changing fund managers. I'd be changing index funds that I'm investing in. True. But I think it's just the fact that the amount that I've spent on them and the amount that I'll get for them. 20 years, 20%. No, that's... This website, one second. Let me...

20:35I want to price this correctly. Let's get gold futures. Okay. Last five years, gold futures. Yeah, 60%. Okay. Well, that's different. All time, the GCW00 is up 39.9%. The price of actual gold, like... I don't know. I don't chart that because I don't follow this. It's pretty complicated. Yeah. But I mean, if the dollar ever becomes worthless, I have gold, which always holds its value. What did you just say? I was just looking at this, but I feel like I just heard something moronic. I said, I mean, if the dollar ever becomes worthless, then gold is always worth something. You think that is going to be your main concern?

21:19I'm just saying it. Buddy, people are going to shoot you if you have gold, if the dollar becomes worthless. I have a gun too, though. Yeah, they're going to have like a bazooka or something. that I don't know. All I'm saying is that's not going to be the concern. No offense. I mean, you are technically right. Technically. But if the dollar is absolutely worthless, the number one economy in the world, the world leader, the military superpower, if it goes absolutely worthless, stock market collapse, no economy. Bullets. Bullets and rice. That's what's going to be traded. Yeah. Fair enough. and I apologize to the audience I'm trying to get some good price tracking on gold and a live view but this is absolutely I can't find any good real tracking things here yeah it's pretty inconsistent but either way I know it doesn't on average compete with the S &P 500 that's correct I was trying to think something else I was going to say but yeah I think it's just the fact that the amount that I spent and the amount that I'd get back makes me want to just go ahead and just hold it.

22:27Because on that card that I owe now, it's approximately$6 ,000 or so. $6 ,500 maybe. Okay. So I see a light at the end of the table compared to what it used to be. Or I guess it never exceeded the credit limit. But I don't plan to spend more money on these items anymore. more no more jewelry for me i mean i might eventually want some better situation because i do have the stone for this last ring but uh not so much the funds to make the ring yet so it's just a stone that's just sitting there that's and that's really more important than your future to be clear no but like i said eventually when my situation is better i would like why don't we speed run it though can't you you can get things like this in the future like this no for what it's worth none of these are about a lost family member or anything they're about a sports team who gives a yeah money.com has from when the united states ended the gold standard in 1971 to now the average yearly return all up all down for gold has been about 7.7 percent it's not horrendous it's not bad but again you're losing 30 a year on it it's that's where it's very different of course you know i'm aiming more for a 12 return on a yearly basis so again it's not where i'd put my money that being said i know that it can be used as a good inflation hedge and uh you are losing a lot of money on it because you're at 30 which is absolutely ridiculous and beyond stupid well we all make mistakes when we're younger yeah but i'm just saying maybe we cut our losses maybe we cut our loss okay well let's get let's get and the your your financial your financial situation i would like you to give a score from zero to ten where do you think you are zero being the worst 10 being the best oh uh about a two okay uh because like i said i mean struggling to make minimum payments yeah isn't great it means i don't really get a chance to take time off hence with you know the passings and things like that i mean that's what's really been I guess the hardest part about being you know trying to make the monthly minimums was that you know like I can't afford to not work yeah um so if you want your hammer financial score free link in the description below also if you have interesting stories if you have I guess a bunch of rings or something like that a bunch of chains interesting stories different things like that feel free to go to calebhammer.com slash apply we're always happy to take a look at every application and consider people to come on the show let's start going through the debt we've been talking about you know just one an interesting story from you uh it explains how you got a job doesn't necessarily explain how you got in the debt but i do understand the jewelry part but we have a best buy card here are we in a best buy credit card because of jewelry no so originally when i opened that up uh i went to just buy a laptop uh and they offered you know like 12 months deferred interest i believe and yeah you're great with those you're great with the deferred interest have we learned any lesson well that one i did pay in time okay well i'm seeing a credit card balance regardless so um one that's not being paid off by the way so thing about the best buy card eventually i started using that to pay for my now dog that passed away last year yeah i used to pay used to use it to pay her uh her basically her allergy pills because she had really bad allergies and uh those were expensive and my brother wouldn't pay for them my sister was in college uh my mom doesn't make much money and my dad's definitely not going to pay for it yeah so it was mostly set on me to pay them uh and they get pretty expensive so every month every few months depending on how I wanted to do it I was spending money purchasing them and it just kind of just stacked up until eventually it started until I eventually paid tried to pay it off okay alright yeah that was a whole lot of like this is a real good story about Bronx and his dad Ryan real United Airlines customers we were returning home and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew.

27:17I got to sit in the driver's seat. I grew up in an aviation family, and seeing Bronx kind of reminded me of myself when I was that age. That's Andrew, a real united pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. Nothing. No offense. Yeah. I get trying to take care of a sick animal, and that is okay if the only situation is to put it on debt, but then we do everything in our power to pay it off yeah uh it was a horrible explanation for why the you're not paying it off now it's all you bull spending you make a payment towards it and then you immediately build the balance all the way back up yeah i mean that's so that was just a lot of both that was just the that was just you try to do a sympathy play to try to make yourself feel better i understand why you got it there in the first place and then you pay it off but it looks like you could have paid it off because you put money towards it but you immediately f***ed it by going out to eat every second of your life so you're allowing interest to accrue we have a balance of 1 ,112 dollars 23 dollars and 70 cents of interest is accruing 30 dollar minimum repayment you put 856 dollars and 88 cents towards the card which is incredible yeah let's pay it off but then you wrecked it all the way back up again with 721 spent so like what is the purpose there that was not to take care of a dog it wasn't so don't try to come in with that don't try to make yourself look like the good guy out of a sympathy play because no offense that's gonna piss me off because guess what it's all spending well so i don't want someone to be with me because that means you're not taking accountability of your actions that means you don't actually care about getting out of debt that means you don't actually care about paying off this card because you're going to try to make it sound like a sob story instead of what's actually happening right now so what i was using as my day-to-day usage card was my platinum american express card but when those minimum payments became too much i started using the best buy card instead which what does that tell us why in your mind are you allowed to continue this lifestyle if all the money you were spending on going out to eat all these little purchases stacking up that were all your choice not needed to survive in any way whatsoever why do you think that we then just move it on to the next card because something was getting stacked up too much for the minimum payments so we couldn't afford it and said maybe maybe we act like a mature adult and just manage a budget well the minimum payments on best buy card was a lot less about the minimum payments buddy if you racked up too much on another card how does it make sense to continue that lifestyle onto another card yeah now that you put it that way and you try to say that this is because of a dying dog i said it's not i said why i opened up the card and then how i guess continue i You just care about why it's where it is today.

30:31And why it's where today? Because you put a big payment towards it, but you immediately spend the money. Yeah. Trying to think of all the things that I, I guess, spent last month on using the Best Buy car, but I don't really remember. You don't remember? I know most of it's food. Yeah, and that's okay? I try to be affordable when it comes to food. you know uh go to domino's get a large pizza that way i eat and that's more affordable than get meal prepping and doing your own food well eight dollars for a pizza three slices per meal and are you affording that right now and is that exactly how you do it yeah i do three slices per time i eat so i'm able to get almost three meals out of one pizza for eight dollars uh yeah go yourself you try to leave me down the thing again you went to dominoes four times in the month that was four out of the like 25 going out to eat purchases so i don't know what the you're talking about stop trying to with me so the food truck is for whenever i'm at work right next to everything there x next to all everything that is bullshit everything that is bull right next to it as in bull bull bull things that don't matter things that are not improving your life things that i mean they might give you that instant dopamine hit but things that are not necessary in your life to survive and that are making it harder for you to pay off debt.

32:14This can't be that challenging, buddy. I mean, it's just all food from what I can see.

32:28It's just all food from what I can see. To be honest, except for the Amazon one, but that was... Next to every bullsh** purchase.

32:40Let's see.

32:46Oh, no.

32:51Oh, buddy. It's hard to see exactly which ones are where. Buddy. That's it?

33:06So to be clear

33:13That one's upside down

33:18So to be clear You are saying That the food truck here Wasn't bullsh** The food truck there Wasn't bullsh** You going in and buying a drink from Circle K Wasn't bullsh** you're saying that shipley's donuts wasn't bullshit going into bucky's and getting something wasn't bullshit even dominoes you're saying wasn't bullshit i guess go inside 7-eleven getting some bullshit going to the food truck wasn't bullshit dominoes going inside chevron wasn't bullshit sonic drive-thru wasn't bullshit you mark amazon as the one bullshit thing or lab corp yeah lab corp ended up being kind of a a just in case thing um it was for i guess to check just in case i didn't have any more uh or any stds sounds like the one thing that's not bullshit the thing is uh so another thing that I didn't mention was basically around May she called me saying that she had gotten an STD, a curable one but she blamed chlamydia she put blame on me yeah like I said I didn't know she had even though she was getting raw dogged by many at one point by someone else even though the last time I had someone else was protected but you know i didn't know that she had anyone else and she made it seem like she didn't so um so you got chlamydia i did oh actually i guess technically it never confirmed i had it oh okay but but you you took the medication i took the medication so you consider this std test to be bullshit but not all the going out to eat i'm so confused i like there's like no hope here what like how do if that's your mindset coming into this i don't even know what to do well so how are you possibly saying that going out to eat every second of your life raising canes the food truck again more dominoes ramen dominoes amazon chick-fil-a food truck food truck yarrow food truck raising canes dominoes go inside a gas station getting some bulls dominoes and amazon how are we not saying that that's bulls and mind you mind you you are putting this on a credit card that you are unable to pay off that is a 30 % interest rate and is accruing interest.

35:45So how in the possible world in your mind is that not bull? Your exes next to the bull? That's a joke. Those are the exes of a child. How in the world are those not bull purchases to you? In what way are they not? Because they're less than$10. Less than$10 for a single meal. If you're meal prepping, we can get meals down to like four bucks a meal. Three bucks, depending. Actually, we got our meal prepping down to$3 a meal. $3 a meal we got down to. That's what I mean. The Domino's is pretty much$3. Do you even know how much you spent going out to eat? No. Buddy, buddy, buddy, oh pal, oh guy, oh man.

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37:16You can also sign up for our investing program and get$100 in cash deposited into your Moo Moo account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you. Should we play game number two? May as well address it in this moment because you clearly have no idea what is going on with money in general in terms of what's bull in terms of anything important whatsoever. So here's a little game I call don't be a dumb and these this is debt payments.

37:56The amount of money that you put towards your debt, you will put here. Your needs, you will put here. Your bullsh** spending, you will put there. Needs, needs are needs. Basic needs, your minimum requirements to survive. This is how much money you brought in last month. Do your math.

38:21Go ahead, allocate away, buds. What's... Say most of this goes to here. Okay, so you put$2 ,000 to debt on a monthly basis? Around. Are you even putting effort into this? You're just picking up the different... Do you even know? What are you doing? Do you even know your life? I mean... This is... Okay. Food is still technically a need, but I want to say... Yes, you're doing it in a dumb way. I'm talking groceries, not eating out. Give us the breakdown. How much is there? How much went to debt? So$2 ,000. Okay,$2 ,000 went to debt. How much went to needs? Needs, I mean, I mainly just put the gas that I spent,$2 ,50.

39:01Okay, you put$2 ,50. And then the rest, which I guess is a$75 or almost$1 ,000, so around$800 some change towards BS spending. So in the end, you think net that went towards paying off debt was$2 ,000? Yes. net after everything after you spent on cards after you did everything net was 2000 well as in the sense of like how much i sent out not including what i eventually spent on cards so like basically around my minimum payments would all together is around 2000 that i would send Okay. Well,$3 ,068. $3 ,668. $3 ,568, sorry. That went towards debt, but none of it really mattered. Okay. Because net in the end, after you're spending on the debts, only$234 went towards it.

40:04not 2 000 well the going out to uh your needs 250 and your bull was 800 well we have 540 going out to eat and then miscellaneous bull 288 and then unknown shopping that's usually amazon you know for your case a lot of it was amazon that was an additional 590 you're dramatically overspending i think a lot of the amazon uh was for the car parts and what is your rent because no way it's less than 250 currently as of right now i'm living with my parents planning to move out in october okay because i moved out of my apartment in may and uh decided to just stay at my parents until the baby came and get an apartment a month after the baby was born so currently with my parents but not for long hopefully i was planning to move out in october since i am traveling a little bit in september all right let's keep going through these statements because what this tells me that just your finances in general are all over the place you don't know you're spending if you ever built a budget so that's the important part of this exercise is you didn't know how much you're spending on bullshit in debt i mean you put less to it than you thought but again net you put basically nothing towards it in general you put it all back on so it's just a this is kind of a mess man yeah i never i never did a budget i was always kind of like let me try and uh i guess not spend how's that going you're spending up on a 31.49 interest card so i don't think going well could be a kfc tale in the pursuit of flavor the holidays were tricky for the Colonel.

41:54He loved people, but he also loved peace and quiet. So he cooked up KFC's 499 chicken pot pie, warm flaky with savory sauce and vegetables. It's a tender chicken filled excuse to get some time to yourself and step away from decking the halls, whatever that means. The Colonel lived so we could chicken KFC's chicken pot pie, the best 499 you'll spend this season. Prices and participation may vary while supplies last taxes, tips and fees extra better. platinum card this one's huge buddy so is this the one you were spending on and then the minimum payment got too big so let's start spending on a different card instead yeah exactly seven hundred ten dollar minimum monthly payment before it used to be more sure but that's still absolutely insane and you want to go get your own place you want to rent you're going to rent with that five thousand six hundred fifty eight dollars and fifty three cents is the overall balance why are there new charges you're doing it again you do what's the is the point what is the point it's like you don't give a yeah this budget you're right you don't know how to budget you've never budgeted this you don't know what this is that just goes away that's nothing to you benji uh-uh benji that's what you say it's fake money i didn't just break the law like i just i don't get it i don't get your intentions here and then again when we mark next to bull spending you just didn't one you don't know how to use a credit card so you need to use something like the fizz card a charge card that forces you to pay it off early and to go through our budgeting program every guest on our show gets access to the budgeting and investing program go through it i promise it'll actually help you manage and stick to a budget we'll build you a budget by the end of this what do we like and you need to figure out how to actually go through your own manage your budget and build it out yourself because this is absolutely insane you put you paid off from the painful 611 but you put 543 on it then you also spent an additional 1000 pay over time dollars where 116 of interest was accruing there plus uh yeah so total 1610 dollars to spend with 116 of interest and you want to move out hopefully and you almost

44:12okay NFLshop.com great yeah that's what we need to survive right guy Chick-fil-A wonderful Hulu not really anything on there anyway I'm watching the Handmaid's Tale for the first time I get that mostly for free though mostly for free$20 I don't think you know what money is no it's because it gets reimbursed to MX 100 % except$1 maybe so because i get$20 um uh audio or mathematically it's not the worst thing it's not the worst thing i okay fine but then you went to shop bar and uh some restaurant there then some restaurant there and then amazon then the little pity's rescue what is that$214 do you get a new animal i'm sorry little pity's rescue is$50 amazon was 214 charity charity charity to yourself buddy you're living at home because you can't afford to live anywhere i'm okay if you want to live at home but you can't afford to live on your own because of all this bullshit because you decide going out to eat is more fun than anything i mean going out to eat itself again i could get you on a meal plan 250 300 bucks a month safe conservative healthy meal plan you're spending 550 going out to eat and again clearly you are not prioritizing paying off that clearly you are not prioritizing wanting to get your own place like you say these things but clearly they are not a priority to you.

45:35Dominoes. More Amazon, more Amazon, more Dominoes. Plane tickets, Spirit. Where are you going? Where are you going? You think you can go anywhere? You can't go anywhere. You can't afford to go anywhere. What are you talking about? Where are you going? Well, so if I were to go down the places that I'm going from basically next weekend. Oh, f*** you. Where are you going? To the end of September? Where are you going? Where are you going? Okay, so next weekend I'm going to Denver. why visit my sister uh your sister get out of debt and probably catch a baseball game okay definitely not that one ticket this is the one i almost i actually i'm relatively okay with if we do it in a smart way if there's something happening and i'm staying with her so i don't have to worry about yeah but you also can't afford the plane tickets in the baseball game out of the question stupid nothing happens with them anyway plus you'd have to get endless beer to get through it.

46:28So like, I mean, pregame. Yeah. Which you would spend money on anyway. So stop. And the next trip, this next magical trip, you don't care. What are we doing here? What are we doing here? You don't give a shit. The Ohio one does matter. Ohio. Yeah. Everyone's dream destination. In Ohio. Okay. Very good. Cancel the first sister trip then. Go to the wedding. Well, I mean, if I cancel, I'll get a fee for canceling the flight. Yeah. And what would the fee be versus? I mean, the ticket was only like 80 bucks. Yeah. round trip uh 180 spirit unless that's for a different one plus another spirit different one okay uh so the wedding i can excuse a wedding do it as cheap as you can on a budget next uh how many travels are you doing so i mean they're only like two to three days max um so the second week of September is the Philadelphia trip that I'm going to.

47:33Planning to watch that Sunday, a baseball game, and then Monday, the Eagles game. Shut up for a second. I'm sorry. What the f*** are we doing here? You don't give a f***. You really don't. Why are you here in this show? Why are you in that seat? When someone else wants to pay off that people come on yeah they have crazy stories they have crazy financial situations but they actually do want to get out of debt in the end you're going on all these vacations and you're not willing to sell those yes for a loss i know but you're not willing to do anything why the are you here i'll be honest i'm not liking you right now i'm kind of grossed out so baseball that's more important than making any progress guys dominoes it's a smart investment like why are you in this chair i like having a good back and forth a little digging in on someone that's fun but you're just being a dumb i realize that i don't make the best financial wow sometimes okay but revolutionary like i said after the situations from last year and this year with i thought i'd lost uh someone very important to me it it made me realize that i want to be able to take time off for time off of work for the possibility you're not even surviving for the possibility that i guess mourn fine in case what like in case it were to happen again like i wouldn't be able to well now you're just living in fear that you're not going to make good decisions for your life if it's only based in fear okay cool do it okay do it you're never gonna get out of debt you're never gonna be able to move out of your home you're gonna be living there till you're 40 you're never gonna get out of debt you're never gonna budge you're never gonna actually uh live a healthy and good lifestyle financially or uh you know i mean eventually all this kind of eating will catch up to you trust me um go ahead do it your life is gonna be and that's fine.

49:38If that's the life you want to live, great. That's not the life that we teach here. We teach people how to actually take control of their money and live a better life. You don't give a about that. You're taking these trips. That's what you care about. So I don't know what the we're doing. I want to get better. No, you don't. Show that in any way whatsoever. I can't after I leave. No, I don't think so. I mean, one thing we talked about, and I know I was going to bring it up once we got through the cards. I know you just got a payment. You got a payment coming in, right? Yes. and you might put that towards your debt some of your debt and it's$10 ,000 right?

50:09great it's not based on your earning it's not based on anything you did it's because you got in a car crash yeah it's something that happened in life and you're getting this extra thing none of the progress you have there is no progress one but even that none of it is based on your own actions and you're not sacrificing anything to do it so again I don't know what we're doing here and i'm sure i'm probably coming across like an ass but i feel like being an ass because you're just you're around i had you cross off what you think is bullshit and even at least people that come into this room and yes we have intense back and forth and stuff they at least know that going to chick-fil-a for 15 bucks is bullshit like i don't know how you don't think that that's ridiculous and now you're talking about all these trips that you're going on that you're going to going on you're not gonna stop them you're not willing to even talk about considering getting rid of those so what what the man i consider getting i'm legitimately kind of pissed off i consider getting rid of these but like i said it's just consider then you stopped and then it doesn't matter amazon chick-fil-a bar louis went into gas station got some drinks what are you getting monster energy drinks i assume they're I'm not bullsh** to you.