Trans Socialist Blames Capitalism For Their Mistakes | Financial Audit

36:49Tomato. Boo. No, like boo. Like, f*** you, boo. Stop. I think I'm doing a great job. No, job? This isn't a job. My accent. This is not a job, no. Oh, my gosh. okay you are you're turning me into the i've been on your side you're literally i'm going to start not liking you please i do not want to have that feeling i'll stop i'll stop again you are a person that exists i've seen people who get in the situation where you're headed to i want to prevent you from getting there okay and i take this very seriously and i know i'm intense but i take this very seriously because i want you to have a better life but if you're just around i'm not recording this i'm not filming if you're around i'm not i promise i think you promise I want to touch your V-tubing pinky.

37:32So$1 ,368.22 on here. $49 minimum fee payment, please. $145 of purchases, meaning your balance went up, even though it is accruing interest. So, mind you, here's some bingo financial audit. It's a credit card that you can't fully pay off. That's accruing interest, yet you decide to purchase on it. Go ahead and walk me through your logic there, please, because there's none. so i had an event that happened in october that i didn't have to make purchases yes however what was the event it was a event in uh the dfw area that i was a content creator for and i got uh was like featured or whatever okay so you should have been paid instead of sending money that i purchased just because they were little trinkets thinking about glp1 meds like ozempic or we go be, then you know the struggle of dealing with insurance and endless appointments.

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39:04Over 250 ,000 people trust and use Roe for GLP-1's medication. So what are you waiting for? That's roe.co slash Caleb. It takes just a few minutes. So what are you waiting for? Go to row.co slash Caleb to find out if you're covered for free. I have going inside a gas station for a drink. I have some barbecue catering. Then I have specs, then I have specs, and then I have Amazon. So it's not all that. The food because they wanted to go out to eat after the event and everything like that. Huh? They wanted to go out to eat, to barbecue after we did the event one night. They? Who's they? The people who invited me to go to the event and everything.

39:43They wouldn't cover your food even though he invited you to go to the event? What the hell are these people? No. If you're listening, stop being bad invites. Well, I mean, I also struggle with people paying for me as well. I don't give a fuck. Why? Because I think it has to go back to being financially dependent on him, which I know. I mean, based on finances, it's like I'm not doing well for myself. But I don't want to go back to people paying. I get it. But you know that's different. We can separate it a little, right? Yeah. I get this probably a little trauma surrounding that relationship. Yes.

40:15I get it. I get it. I get it. And then the like just liquor for days and liquor for days. I don't normally. So the Amazon one was for my the business stuff. I went inside Texaco and got some bull. I did get bullshit. I got a monster, which I have been doing better on because what I do is I now bulk buy instead of because the if you go to the gas station, it's like$8 for monsters or whatever. So instead I go to Kroger and I get a 12 pack of monster for 20 bucks. I don't care. You went and did it. Okay, but like I'm doing better. I feel like. It's not reflected in your statements. Anyone can say anything.

40:49Okay, that's fair. But like I. Yeah, it added 24.74 % interest rate. Oh, that's how much that was? I don't know. What? I don't remember how much my interest rate on my Discover. Okay. Capital One, what's the balance? Because you provided like screenshots of your purchases, but not a balance or interest or anything. Oh, no, I should have did that. But my balance is currently there is a pending payment right now to pay off the card. So it's completely. Really? Yeah. Because what I do is that is I'm switching everything over. So all of my stuff that I need to pay for Twitch, that is all going to be on Capital One.

41:27So what I'm going to start doing since I'm making enough money is I'm just going to pay off that card every single month. So right now. Jake, did you have a balance? Okay. So do we just treat this like paid off then? um it did say on the experian report that there was balance of like a hundred bucks because it's it's paying now it's it's like i literally yeah okay what was the balance i want to make sure we actually made substantial progress it was 300 i believe like 300 oh okay yeah listen and that's not it's not no good job paying that off that is showing a little bit of discipline there specifically with that card gosh but compare that to like the 1368 on that other card in these student loans i really thought when we paid off a card we like paid off a card so when i pay off discover that will be a big win for me because i've had that card since i was 18 okay gosh i'm sorry sorry i don't want to take away from that win i was i i kind of like when you say i come into a lot of money it was it was like well i paid off this card i was like but okay So you put money on here and spend it off.

42:38It's okay. If you want the little extra safety net, dude, use the Fizz card. It's a debit card, but it builds credit. So you get the same kind of things, but you're not going to overspend on it and spend more money than you have in your checking account. Valve is spending in there. Humble bundle. Oh, wow. I haven't heard of that in a bit. Door dash. We're still door dashing. Listen, here's the thing. You're right. You put it on this card. You pay off this card. Congratulations. That's wonderful. But guess what? We still have the student. What? The movement. It was funny. I'm excited. You have the student loans to pay off.

43:10Even if we're putting the DoorDash on the card that we're paying off, that is still$30 that you were paying off towards the card. That could have gone to pay off the student loans that are accruing at a 14 % interest. So it's still not a good purchase. Amazon, I need to look at your Amazon. And then Sonic and Sonic and Zone Noodle. It's all bullshit. This isn't Twitch spending. What are you talking about? Well, this is this month. This is this month. This is me switching over. Because as you can probably see. Wait, so it wasn't – what's actually going to be different other than you thinking that it's going to be deaf friends?

43:39Well, because I have to close my Chase account. I have to – Why? Because I don't want to be with Chase because with Discover checking, they pay you early. Oh, come on. That shouldn't be the thing. That shouldn't be the issue. I don't want to have – Listen, if that's the reason, then again, it's stemming from just financial inability to – not immaturity, but inability to manage our finances, maybe financial immaturity, but like getting that pay quicker, like a day or two early, that shouldn't be what's making or breaking us. If you're managing a budgeting, go through our budgeting class. You get all three of our programs.

44:18You get them for free. Go through the quizzes, do it, do it with your family. If you want to, I don't give a right now. They're all bundled together for 10 or 15 % off. I don't don't remember what we decided but check it out uh but come on like obviously with the chipotle and the dickies arena tropical smoothie cafe going inside and getting some bull going inside and getting some bull tacos and chick-fil-a that all even if paid off on the car could have been going to the damn student loans and prevented you from turning like that guest that was on the show two and a half years ago the dickies arena my that was a purchase for my sister sister my mom paid for it.

44:55She gave me money on that. I'm okay with that. I don't know if I would put it on credit cards. It's a little risky. What if you don't pay it? Crew an interest. Maybe some business purchases. I don't know. Office? Who knows? Okay, so this is the big guy. This is the big dude in the room. Chrissy thinks the balance is something you can deal with. It really is. As far as student loans go,$28 ,961 is not look at the starting balance listen i get it it started at 22 i've seen worse on the show i'm not trying to diminish this but the thing is i think the average person walks away school 40 000 hours i don't have a degree though that's the thing i know i know but walks away 40 of people uh who go to college don't graduate so i was one of them but you know as far as like you made it sound like this indestructible force where it is statistically if we put it on the scale is pretty darn in the norm.

45:55The interest rate is rough. Don't get me wrong on that front, but the deferment when you could have paid, I don't know, what was the minimum payment at the time? 300. You could have paid that. I saw$300 of purchases times two minimum. And we already know you spent$400 on going out to eat. So I don't give a fuck you. You're doing this to yourself. You're destroying your life. That's your choice. So you're acting like this is much bigger than it is. It's not insignificant. And it might feel like it has feelings. sure okay great because that's what's you know making or breaking our financial situation because not the actual number the the everything feels like a giant mountain to me everything feels huge and just looking at that number because it accued so much over these last year then because you chose not to pay on it for this this this a couple months i'm going to come yes but that's a couple months of no money going towards it at that 14 that's insane let's see oh come on one month almost$300 of interest is accruing.

46:51It's eating my ass, like I said. Okay, no more tongue-destroying conversations. We don't need to have that. That's fine. Listen, the thing is, you're just, I don't know, you're making it sound indestructible. Like, you have no control over this. And that is victim mentality. And if you have that your entire life, you're never going to conquer it. You're never going to conquer anything. You're never going to be able to retire. You're never going to have self-control. You're going to end up in a relationship like that again. If everything is beyond your control that's where you're going to end up you're going to end up at the bottom of this mountain that you're afraid of constantly you're never going to make a single step up maybe once you go up it's shorter than it seems you don't know in fact it is because again even still this balance after all the interest accrued and never making any progress towards it it is still over ten thousand dollars less than i think the median person uh borrows when they go to college whether or not they graduated or didn't but i don't think my salary reflects like paying it off quickly like It's just like because it's going to – Sorry.

47:49Again, I say that for a moment. You're good. You're good. You're good. You're good. Go for it. Go for it. Go for it. Go for it. I'm ready. I'm ready. I'm ready. You spent$400 going out to eat. So salary reflected. We know you could have put an extra$100 more than your minimum payment if you had your minimum payment on it. This is your choice. Yeah, exactly. Yeah, we're just throwing our lives. It's a funny joke. It is a funny joke. I mean life is a funny joke. What are you talking about? Well, because it's... I don't know how to deal with that. Life is a joke, I feel like, to an extent, because sometimes I feel like it's not real.

48:23You know what I mean? I feel like you're just endlessly deflecting with humor. Like, you have no other coping mechanism. I don't. You're so right. Other than you're just like, our life's a joke, whatever. I don't have a coping. And again, that with assuming that this is indestructible and you cannot conquer that, you are never going to get anywhere with that. Never. Well, then let's change that. Well, I would love to. Participate, please. And that change would be good. I mean, you're making it sound like you can't do this, but I know you can. I think I can because I feel like I want to make my life better.

48:56I feel like I do. And I think I can because it's - What would make your life better? Paying on that loan. Why? Because it's not going to keep incurring right after like$300. Sure. What's better about your life not having this debt? Being able to buy a house soon. A house? A house. We want a house. I would love a house. This house is great. I would like to be debt free by the time I'm 30. You can do that. I think. Unless there's something in here I don't know about. No, because the only other thing that I feel like would be significant is my car loan, but I don't have one. My car is paid off. Oh, well, okay.

49:28Well, what's your car? My car is a 2017 Volkswagen Jetta. How's she doing? She is going to need a replacement here in a year and a half, I feel like. A year and a half? Okay. So we've got to essentially calculate$10 ,000 into that. Yeah. Because she is at one, I'm f***ing with numbers. It's one five, or no, one three eight comma zero zero zero. I don't know how much. 138 ,000? That. That's how much miles she has on. You didn't know how to say that? No. I think I have the thing where the numbers like to jump around in my head a lot. And sometimes I see the number wrong. That's probably, yeah. Okay.

50:04Good to you. But I feel like that is also, I think I see all of this, right? I see all of this stuff and I get down two numbers. I know crazy. But it's, it's still like, I see everything that I have and I think it's just really overwhelming. And I think I get the sense of overwhelming. That's fine. But again, I want to correct that mindset a little, the longer you let it sit, the more overwhelming it's going to become. May as well just rip that bandaid off. It's going to become even worse. And we know that cause it went from what? Oh, 20, 20, 22 ,000 to 28. Yeah. So you know, it gets worse. I know it gets worse.

50:39Actually, let's just do some basic math on this. Let's just pull out my compound calculator. If I don't pay it for, because my next payment is due in March. So if I start. I'm just going to say you keep deferring this thing, right? Because you just keep saying I can't make a payment. I'm an endless victim. So, you know, it's absolutely a burst. 14 % annual interest on this. Okay. Let's just say you don't pay it off the next five years. That becomes$76 ,000. Holy. Yes. And that's what happened to that other person. She just kept deferring. She wasn't making payments. building absolutely in the minimum payment it gets worse 152 000 if you don't pay it over the next decade that is a lot more than what if you're not terrified of that i don't know this looks overwhelming you don't even know how bad is that 150 000 that's like that's like a down payment for a house basically oh well that's a huge that's like that's like half of a house because the houses that i want are like 30 300 okay but it's that's a lot of money uh-huh yeah yeah Yes, that's what I'm saying.

51:40So I think maybe possibly cutting back may help just a little bit. But I. Villain laugh. $2 ,327 on this Affirm. Yeah, I defaulted on that. Oh, it's closed. Does this hold off to collections yet? I think so. No, I don't think so. You don't think so? No, because account. I do have a collection. Account. No, it's still under Affirm. Okay. okay but collections and that'll hurt your credit even worse and you want to get a house okay well that is so what happened with that is i was still trying to do school and everything like that so i try to do that with the dental stuff huh so i just try to do a dental program and that didn't work out very well for sure yeah why were you affirming things that you couldn't pay because i needed an education that was the pressure why are you affirming though because it was a program um that costs you affirmed the program i did yes were you still in school while doing this program?

52:39This was the school. What did you try to do? So I went... This was post-Baylor. So I went to two different schools. Yeah, yeah, yeah. What? Baylor. And Grand Canyon University. Okay, Grand Canyon. And then this was after Grand Canyon. Oh, this was a third attempt. Yes. And I did not do well, clearly. Okay, obviously, the course careers are going to hook you up with one of those certifications. But... And it's free for you. 25 % off for everyone else for Black Friday. Free for you. grand canyon university we owe the we owe to them so i mean it's 1361 again not insignificant but what happened with them is i didn't see when i was signing up for my scholarships that if i failed a class i would have to owe them back come on why'd you fail a class um we already know you weren't doing anything actually why did i fail a class i think i was around if i'm being honest oh shocker who'd have thought yeah probably that that makes sense i think i was around a little bit i think no actually i was working at target and i was trying to i was putting more effort into target than school that's what was happening and i would miss my class time because i would try to work so why haven't you paid this because guess what it's been almost two years no that just started showing up on mine i like i'm just now started getting calls for it or calls for it being closed but i think it's not it's not new though you've owed it since 2023 it says yeah because they started what they did is they called me when i was still in my old apartment and when in 2023 so it was like probably so why my question then stands why not pay because i didn't have a job at that point because i i what happened is i didn't get my full-time job that i'm at right now until february of the year why did you have a job because i was the quote unquote homemaker and quote unquote I was still going in the relationship yes he wouldn't let you work he I wouldn't allow he was wanted to make my life better he wanted me to like because I he wanted trad okay yeah but I'm not a trad person sure why didn't you say that people pleaser I guess it's just I really really wanted to be something well did you guys talk about it though yes because that's what I'm curious I don't mean like why don't you say if he won't meet you I'm just like you did talk about he's like no we talked about it and we decided it would be better if i decided yeah it so you did we did talk about it yes and you agreed yes i am okay i'm a pushover when it comes to that did you agree though i know in my heart no because i know that i wouldn't be happy as a triad i would not because i like to be with people and i like to go out and i like to create things and stuff like that all right grand canyon it's 1361 that was probably how long have you had a job now uh february oh why haven't we paid it since then because I've been paying off other things.

55:32I haven't been going out to eat. Come on, come on, come on. Look at the clothes. Even in October, August, when I was looking at your statements, every day was just shoving food down your throat. What do you mean? Honestly, I kind of forgot about the Grand Canyon scholarship. There it is. It's an actual. Stop trying to make excuses. Upstart. So that was also a, it's supposed to be a student loan. um i used it to go to uh community college so what happened is i did this program um this is oh wait okay i did a program where they told me to stop paying everything and then they would um oh no and and they sometimes oh yeah okay what sorry and they would take care of it and deal with the the uh thing whatever and then my mother said to not do that and uh said i should pull out of that so then i started um okay sure yeah so i started that's why there's a dip in my credit report because it went i was in the 400s well but you didn't deal with it no because i let them deal with it and then you didn't you pulled out of it so why don't you then deal with it um because i don't have that money right now because it's it's a lot of little things little things add up yeah but this has been for four years well because no i was making the payments on that one for for a little bit i was making the pain well that's 4228 owed yeah t-mobile for sake that one was supposed to be closed because that one wasn't me that one was supposed to get it's on your credit dude well no i did the dispute the thing in credit karma where you can dispute it i did it for that and they i guess it's back on so i guess i need to figure out what's going on but that was like you failed the dispute probably so i need to call them and figure it sounds like you were likely on it i mean when you signed up for the service with this other person you were probably on it which means you were owed it i mean you don't get to get out of it just because of that because of emotions that's not how this works that's not how this is ever gonna work if you signed up for something you get it still but i didn't think i actually consequences okay but you do but i didn't think i did i i honestly okay but you do i'm confused that doesn't i didn't you know you do i know i do but i just i didn't honestly i didn't think it came back i thought i got rid of it okay well only 364 there again actually i think that's the one i no i paid i paid off a different one because i did have a collection i should probably don't have that okay i paid off one collection i don't have it because i paid it off okay okay okay and then we have federal student loans this brings you closer to that average so federal i have been paying on time so what i do is i get bonuses from work and everything like that so i put that because out of sign out of mine for me i put all my bonuses a month yeah i put all of my bonuses in a separate savings account and this auto drafts from that account so that way i know it gets made yeah you can make 82 dollars a month you can make your 300 a month one as well you actually budget so okay i mean sure i guess i can give you a high five for an 82 a month payment uh okay i'm glad you are paying on don't get me wrong they would have actually like probably deferred you without interest accruing So what I should have done is deferred.

58:43No, you shouldn't have deferred any. You should have cut back in your wants. 2.5 % of, shut the fuck up. 2.5 % interest, 4.7 % on the highest one. So none of them are desperate to pay off early student loans. I have minimum payment until those are paid off specifically. Oh, never mind. I think I have another collections. 364 through T-Mobile. I already looked at that. I can't remember if that's the one I paid off or I paid off a different one. Because there was two collections and I paid off one collection. Okay, well, we'll pretend like you didn't since I don't have another one anyway. Is that it?

59:14No other debts I think that's it Cause it's just my My credit cards My student loans And then Can I check credit karma? Is that okay? Oh yeah Check it Have a little Cause I think that is I think honest to god that's it Cause I couldn't get into my My credit karma I'm being honest For a second please I don't know what I'm supposed to do if you're not Cause I think You keep looking We ended with 152 dollars On our Discovered Checking account for f***s sake. It's better than being f***s sake. Sure, it is better than being negative. But for f***s sake, that's scary because that leads us to being negative.

59:50I mean, we started with$30. Oh, because this last month was rough. This last month. Why? It was your good earning month. No, because I had to pay. No, because I had to pay for car insurance. I prepaid for car insurance. Oh, okay, listen. And I think most people should. But even if you pay a little more to make it more affordable for you in the moment so you don't go negative. Maybe it makes sense for a quarter to do. Monthly? For a moment. Like if it literally puts you on the edge of not having money, you don't push yourself. To save a few bucks, which I want you to do, you don't push yourself to the edge of overdrafting.

1:00:28That obviously doesn't mathematically make sense in the end. I think that is all of it. Because then sounds about right. Okay. Good. So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner, I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt.

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1:02:17Start with their free intro course linked in the description to explore your options. And 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. You're paying for Twitch here, paying for Twitch here. You pay more for twitch and you like you paid for twitch 27 there as well razy canes so i'm glad a little bit more money came in but i'm i guarantee on your business you spent more than you made at this point absolutely 7-eleven you win and you got some bull dominoes amazon sports

1:02:51people like you i don't know steam purchase ten dollars amazon paypal paypal winning and got your special little monster amazon paid for discord nitro amazon paypal out more discord purchase there valve sushi neko amazon paypal and out amazon mcdonald's etsy dutch bro qt hundred dollars gosh dude chipotle white ron mcdonald's queen something it's a restaurant steam purchase Shushin Echo Went inside got some bull Went inside got some bull Lots of PayPal transfers Do I have your PayPal account? I don't think I called out Yeah I want to see it There's so much money going back and forth in your PayPal Of course I want to see it Come on Why would I want to see that?

1:03:40In what world would I not want to see another statement If we're looking through your statements? Come on A lot of it is for Twitch Screen record for us Screen record What were you saying? A lot of it's for Twitch A lot of it Great so even more money is spent on Twitch You've what? You're doubling what comes in from Twitch? No, no, no. Even in your good months? Come on. A lot of the stuff that you're seeing from poll is from, like, I pull from my bank account. I don't have a bank account for PayPal. When we make a budget, what do we – how much do I put in for Twitch? You know? Not for income. For spending because you spend an insane, stupid amount of money.

1:04:13Yeah, paying, paying for people, paying for people, paying for people. Commission, commission. Humble Bumble. Blossom Stream. That thing. Valve. It says more going out to eat in the Microsoft subscription. It says more. Oh, I got to cancel that. McDonald's. I got to cancel that. McDonald's. Come on. More going out to eat. More McDonald's and Twitch and Twitch. Gosh, I wish I could eat McDonald's every day and lose weight. More Twitch. More Twitch. More Twitch. McDonald's. Etsy. Twitch. Twitch. Video games. Discord. Paying people. I'll make sure we're blocking out their name. You paid for stickers$240.

1:04:50I pay that person a lot of money Yeah you do and you don't make enough to do it And you have high interest student loans that are going to hold you back Remember what we just talked about If you don't pay it Where those student loans go Remember that? Remember the little conversation? I think I do How about you do that instead of paying for stupid stickers Put up your Amazon while you're at it Don't stop the screen recording we'll keep going There's so many Amazon purchases Oh for f*** sake there's even more purchases There's another check and count End me i do appreciate you coming on the show i know i'm hard but come on i gotta call you out for your bulls i mean it's so stupid the way you're with the twitch stuff it's so stupid oh for f**k sake okay so a lot oh good we have a harmonica guys life saving that's that's that's for a twitch thing that i did stop you're spending more on twitch than you make and it doesn't make sense because you have student loans that you can't pay off that are at 14 are going to ruin your life okay usbc stuff 50 sheets of heavyweight white cardstock ideal for something some cat litter stuff dish drying electric shock collar only use the buzz i it's on my vibrate it's on my thigh so it doesn't i can use shock on my thigh it's a kink thing what no it was for twitch it was it was a stream thing yeah i was gonna say if you're using it for dogs only do the beep and vibrate but i don't like the shock shock no i don't either it felt my thigh actually got another one no this is a heart rate monitor yeah okay you have a heart high right so those two record you don't need to be doing record stuff right now come on i do have good i know you don't need to be doing but macbook pro come on i didn't buy that that is oh that's a recommended thing yes no i don't have money a lot of those purchases are stupid you can end the screen recording okay and then again in here we have more discord for f***ing sake that was the nitro all those other ones were extra what are you doing on discord no they should all be nitro no they are nitro 100 i will back myself up fine tropical smoothie amazon amazon then we out ten dollars you've been so much money too popeising more canva for f***ing sake well canva is how i I make all the cool shit.

1:07:01I know, but you spend more than you make. Again, we've been through this and we know where your student loans go, so I don't give a f***. Whataburger. Huh? Nothing. Continue. Go. Don't f*** me. Don't. Come on. Zelle. ATM at all,$40. Zelle out,$782. What? That's rent. So what I do is I give my roommate the money. Dark Crystal,$85. That is, yeah. Zelle ain't out. Chick-fil-A. subway went inside got a monster the f*** is a dark crystal i think that was when i uh went to do the con thing and i bought cool things oh my f*** you didn't get paid for it and you spent money and you went got come on guy come on come on and then this next checking account $212 in there zelling out money and just transfers it was simple what was that original checking account how have you not had an overdraft fee i am so surprised you bring yourself so dangerously low it's crazy it's 100 dangerously low yes if any payment hits or any emergency happens are you kidding me then in uh your savings account 171 retirement's 1400 okay so we're definitely behind on a lot of things i thought i was ahead on my on my 401k for my age yeah no no well probably compared to like the median but in terms of where you should be no where should i should be because i feel like 23 you want to essentially be on track to have one times your income by 30 and at this point you're not on track to hit that i would i would probably guess what's one track of my income what's your total annual income great question come on come on i think it's like i think i calculated it i think i'll calculate it How about that?

1:08:49$1 ,850. $1 ,850 times 9 hours, 40 hours a week. 40 hours a week. $38 ,000. You just have about 40 ,000 hours in retirement. That$1 ,500 does not double enough to be able to hit. 40 ,000 hours, so no, you're behind. I do 5%, and then my company matches 5%. Well, 10 % is not going to be enough to get you to retirement. You want about 20. Okay. It's okay to start little when you're, it's okay to have a smaller balance when you're first getting started, But to think you are on the right track, you are not in terms of having enough. I feel like since I started in February, I feel like it's good for starting in February.

1:09:27For starting in February, okay. But again, I just don't want you to think that it is enough. How much would be enough? By getting into$40 ,000 by the time you're 30. So whatever gets you on track to get that. Well, then how am I going to afford that in a house too? Oh, you got to start making sacrifices. But we need to be able to have enough money to live. You can get house poor. House poor is when you have a house, but you just can't afford to live there and can't afford to retire at any point. That's more dangerous. I would rather you have retirement and rent in terms of just life security by being able to take advantage of compound growth in the overall market.

1:09:58Listen, I'll sit you down to talk about this in your retirement stuff with a domain money financial advisor. They're my financial advisors. I like them. Everyone in the audience gets a free session with them. If you guys want, I highly recommend it. They're really smart. You get a free session as well. We'll get you connected with them. They can talk that retirement stuff with you, okay? Okay. We need to get you to manage your budget or else you won't have enough money to retire. It's as simple as that. So let's do the budget. What do you think hits your account on a monthly basis? Payroll deposit at$3 ,000.

1:10:27Does that sound about right? Yes, because that just got – it's a little less. It's typically about$28 ,000 because I got an influx paycheck recently where my last paycheck was$1 ,500. $28 ,000 and then I'm going to add$500 for Twitch. Okay? Yeah? Yeah. Yeah? Is that going to be manageable? Are you going to be continuing to do that? Yes, because$5 ,000. $3 ,300. But how much money are we spending on Twitch? What am I putting aside for Twitch? A lot since I have two trips to California. Come on. I have two trips to California planned. Oh, for fuck's sake. What? I have to go to TwitchCon. Have to.

1:11:00Yes. Well, according to my manager, I have to. You have a manager? I do, yes. Come on. Manager who? Who? A Twitch manager? Yeah, a Twitch manager. Okay. Well, of course he wants you to go to TwitchCon. It's his fucking job. Yeah. Because I have to go to TwitchCon in order to like Provel myself forward because if I don't go to TwitchCon You have to. Yes because that's where all the partnerships Are. That's in order how I move up to the next Sponsorships? Yeah sponsorships. Get an Actual manager or a real person who Will go advocate for you for sponsorships And get you sponsorships. But I don't have the money To do that.

1:11:30No they take a cut They take a cut? Yeah they take a cut They take like 25 % But if Then I lose more? Or is that? No they go get you sponsorships and whatever they bring you, they get 25%. How much is this trip to TwitchCon? It's going to be like... How much? It's going to be like 3K. 2K, 3K. I mean, you objectively can't afford that. You can't. But then also, then I have another one too. So I have like... What's your other one? That one's in June. That one's called... What is it? It's called OffKai. That one is like a VTuber only convention. Okay, don't go to that one. Okay. Don't go to that one.

1:12:06But that one's just for VTubers and that one has a lot of like... it has more opportunity for VTuber growth. Why are you doing this? Come on. We are so close to the end, man. We are so close. Are you kidding me? Are you kidding me? We are so close. But it's just in the budget so that way we can like. It's not in the budget. It's for next year. Hey, hey, hey. Okay, we'll see how much money is left over. But I doubt if you're going to get at some point, you're going to get to some damn point. Listen, it's probably not going to. This is such a stupid thing to bring it to the end. You know you can't afford this.

1:12:41Is this funny? No, this is not funny. Then why the f*** are you laughing? Because like you said earlier. I'm trying to figure your s*** out. Buddy, how much do I need to set aside on a monthly basis? You were spending money on Twitch stuff. On Twitch f***ing stuff. So how much money do I set? You know what? This is what I'll do. This is what I'll do. Whatever money you bring in from Twitch, you can spend that on Twitch. But you cannot spend any more. because right now you're spending double, okay? Okay. Okay, so$2 ,800 is your f***ing income, all right? That's what it is for f***ing sake. Your portion of rent and utilities altogether is$1 ,050, right?

1:13:19Yes. Is that including internet? No. What is internet for you? $50. Car insurance? It is about$200 a month since I prepay it, so I'm prepaid until six months from now. so but i should put aside money so it's gonna be 200 a month we don't know since we're switching providers since it was outrageous phone bill uh i don't pay for my phone now parents yeah okay gas vroom vroom drive drive that is about 200 a month give or take tp fun anything else you need to survive it's gonna be a hundred dollars food you're gonna meal prep cook a couple times a week and refrigerate$300. Do you have any pets? My mom pays for them.

1:14:04Including pet insurance? Yes. She has everything for that because she knows that I need them but I can't afford them. Medical healthcare. Mom. Everything. Yeah. Because I'm under her plan. So to be clear, you're very still much dependent on someone. I pay for co-pay. You said, okay, how much on a monthly basis? So I pay$50 because I go see my therapist twice a week or twice a month. So$50 a month? Yeah. That's cheap. Okay, so So to be clear, you are still dependent on someone. You said you didn't want to be and you refused to allow people to pay your meal. But you're very much still dependent on someone hearing all this.

1:14:36Health care, it's just because she has a better plan. No, and I get that. But again, with her paying for it, you're not even reimbursing her because she's getting money taken out before her pay hits. You're still dependent on people. I'm not saying that's necessarily a bad thing. But based on what you were saying earlier. Yes and no, it doesn't hit because she still pays for the same because she has two other kids. So it's me. No, that's fine. I'm just saying you said you refused to be dependent on anyone earlier, but you are very much dependent on her for multiple bills. Yeah, but I feel like if I was less dependent, I think it would I don't think I would have the money for trying to pay off anything else.

1:15:11No, I again, I don't necessarily disagree with that. I'm just saying based on what you said earlier of refusing to be dependent on anyone else. But that is not true. You are to an extent to an extent. Yes, of course. But your pets, your phone bill, your health care. Come on. Anything else that needs to be in your budget that we don't have? This is pretty damn minimal. Just gas. Food we got. Gas is there. Food is there. Is there a gym? No, I have a home gym. And then I would like a trinket budget. If you're a trinket, I'm going to. I want to. What is a trinket? I still don't even know. What are you doing?

1:15:52Because I've never heard. Or is this the new sweet treat? What is a trinket? A trinket, it's like a little thing that you can just have like this. So this is a trinket. Why don't you use your trinkets? This is a trinket I already had. I don't need to buy a new trinket. I have this trinket. Because I like shiny new things. Yeah, shiny new things. Your shiny new thing is being debt free. It'll be awesome. But I like this. Oh, I get it. You are a child. You are a 23-year-old baby. I am. But I just want. That's not funny. It's not cute. But I need a trinket. I just. Okay, just 25 bucks. 25 bucks. 25 bucks I can't I'll put 25 but I feel like I'm just giving you an excuse to spend money and you're gonna go over it this is so stupid shut the f*** up that's the dumbest thing I'm upset I even agreed to that cause I feel like I'm just allowing you to be bad allowing you to refuse to sacrifice I mean I'm already sacrificing food I'm sacrificing with food oh my gosh oh no so i'm sorry you have an extra thousand hours a month okay you have an extra thousand hours a month listen if you want to start paying off that quote you got to pick twitchcon or paying off that quicker how quicker would it be when's twitchcon when you need to pay for it um twitchcon's in october so i was gonna do a don't-a-thon in um if they put if they pay for it you can go okay because i'm saying you can spend what you make your twitch money on twitch stuff can I budget like a thousand if possible you're taking away a month of progress fine sure you can but that is a month of progress you are losing and that you have to be willing to accept can I wait until closer of course but that payoff is going to be by then okay again all of your debt together is$47 ,000 so we know that that takes about 47 months that's not that bad actually no it's not that bad but twitch con is before then a couple twitch cons yeah it's four years so that's gonna set me back a lot but if if the that's if you do four twitch cons and you pay more out of pocket than your twitch people pay you then yes it will it's stupid listen i definitely get it i definitely get it but guess what i've done pretty good on youtube i've never gone to a youtube con of any kind well then you need but you need partnerships So I don't know how you understand that.

1:18:10I think. Yeah. You need someone that goes and shops partnerships for you. They bring it back to you. You have to see if it vibes with your morals, vibes with what you want to do. You probably turn down the majority of them like we do. And then at that point, you just accept them and then they get a little cut. It's an agency. So then I need an agency then. So that way I can stop spending so much money on stuff. Yeah. Yeah. Reach out to some agencies. Okay. Okay. Try that. if your entire region of going there is getting partnerships try that it is it is my entire then try that first you have until october but even four years i don't think it should be four years i really think i get you wanting to do this thing but the fact that you're doing 40 hours a week is your job and then 40 hours a week on twitch you could be making so much more progress if 20 of that extra 40 hours a week was at a second job actually bringing in real money and at that point you know that would probably bring in an extra thousand bucks in that after taxes minimum so So you do that.

1:19:05Wonderful. And at that point, that doubles your debt payoff journey from four years to two years. Because you're also going four years without a fully funded emergency fund, which is absolutely scary. Yeah. Because my car has like I've had. Exactly. So if we incorporate that into it, that's an extra 10 ,000 hours. Now we're at a five-year payoff zone. Why not get that to two and a half by using 40 hours that you're doing Twitch and doing 20 for another channel? I know what you want to do, but what matters more, the Twitch or being debt-free with an emergency fund and being able to survive? Give me the honest answer.

1:19:36Honestly, Twitch. I know it's selfish. I know it's selfish, but I would rather... Listen, that's your answer. That's your choice. That's how you're doing it. I get it. That's fine. But you're setting yourself up for a much harder, longer, stressful life. You really are? Whatever. Spending in a budget. You overspent. Zero out of ten. Wait, did you? I think you did. I'm pretty sure you did. Let's see. Spending. Oh, guys, we didn't even... We didn't even talk about this. Yep. Oh, wait. There. Yeah. Wait. Okay. There's confusion. $1 ,000. You made 4 ,000. You spent 5 ,776. How did I spend that much?

1:20:14What did I? What was the, what was the highest one? We went through a lot of spending, but that was your categories are insane. You had a lot of large purchase Twitch spending categories. Yeah. Okay. So you definitely overspent the debt. You have collections. You're out of 10 emergency fund. We have nothing. I'll give you a one out of 10 for just starting retirement. You're about a two out of 10 real estate. Obviously zero out of 10. Let's see if you at least got to a one. I don't think so. Did you round it up? Barely, barely rounded up because you're at a point zero six. So rounded up hammer financial score.

1:20:46One out of 10. We'll have you back on the follow up channel. Go check out the follow up to the follow up channel. But we'll head into the post show for now. I know those extra things like maybe calling your mom and crazy stuff that we're going to do that the producers are going to bring in and dive deep into extra things that they know about you. But guys, definitely be sure to check out our entire bundled package of education programs bundled together at a large discount just for you. And make sure you check that out and we'll see you in the post show. You have a f***ing payday loan. What is the payday loan?

1:21:12When I was in the hole hole. What's the hole hole? When I was still with the s*** ex-boyfriend. And you have the payday loan. I am in collections and they called me for it. They're hunting down the payday loan you got. How much is owed on this f***ing payday loan? Caleb, I need you to take a big breath. F*** dollars. To watch the financial audit post show, click the join button below. Hi, how you doing? Hey, how are you? Good. We got a lovely little cameraman right here. I know we already got your consent on everything for all the fun little lovelies, but we made a wild thumbnail as we kind of talked about in the post show and stuff.

1:21:48I'm so excited. We just want to get your eyes on it and just get that extra little consent from you for happiness because it's a wild one compared to normal. I'm ready. You ready? Yeah. Here we go. What do you think? I love it. I love it so much. Oh, my God. This is great. All right. Well, your video is going out tomorrow. Are you excited? I'm so excited. I'm so excited. This is great. Oh, my God. Just probably don't read the comment section. It's always a suggestion because people are crazy online. No. I'm going to send it to one of my mods and he's going to read it and make sure everything's all good for like, um, which we call it doxing purposes.

1:22:30Oh, beautiful. Yeah. Okay, beautiful. See? People have a fun sense of humor and people can have fun online. You can calm down now.