Unhinged Twink Nearly Makes Me Walk Out | Financial Audit

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0:30name is jack um my age is 25 and i'm based currently in fort fort lauderdale i mean this is financial audit cool and what do you do for a living there that's a great question um i'm kind of in between great question okay yeah thank you i am very good at being a host i appreciate it Thanks. I've been kind of like in between jobs. So I kind of went back into the food industry after getting fired from my customer service job last year. Customer service. So I'm guessing you weren't servicing the customer very well. It was kind of a mixture of a few things. Like the job that I was working at, they started becoming very much micromanaging.

1:14Okay. And I had an issue earlier that year where I had a knee injury. And it was like I had a brace on my leg. how did that get you fired so at the beginning of the year i had the brace on my leg and i had a problem of being able to go to work every single day oh it was in person okay yeah so i was showing up late and they basically gave me a final notice why didn't you leave a little earlier than if it took longer to get there because of the knee well it wasn't like particularly like particularly with the knee it was just like the fact that was hard for me to drive so i couldn't like you're right I could have definitely like gone out earlier.

1:54But the thing was, in the end of the day, like they literally did not help me at all. Like I tried contacting HR multiple times to put in claims. Nobody responded. None of my managers helped me. And then like towards the end of the year, there was an issue with one of the customers that I was talking for. And they basically just told me that that was it. So the lateness kind of built up a potential resentment on the company's end. just seeing you know mom maybe this guy doesn't really care about his job you know you know from their perspective you know they because it sounds like he tried to reach out but maybe some other people just weren't aware whatever so maybe they see that and then you bad experience with the customer yeah and they're like okay that's it bye-bye yeah but i didn't why didn't you just wake up a little earlier how long were you running late how many weeks in a row a lot okay see well that's because eventually that does become on you right i agree it would be great if you reach out to your manager and different things so you're having trouble okay i know we barely even jumped no like the thing the thing also is is that i'm going to be honest with you as a type of job where i was in a call center refilling pap supplies for patients yeah and it this may you weren't doing it physically i wasn't doing it physically but like honestly it had a very strong effect on my mental health and my mental health was continuously diminishing by the time that i got fired okay but you got fired i'm confused on the part are you trying to say it was because of your mental health that you got fired i didn't want i honestly like at that point by the time they fired i really didn't want to be there anymore okay well this is starting to add up and this is why i dig in on people because you made it sound like you were fired because i had an injury that's how it started i mean like i'm like come on well you didn't want to be there by the end so you probably weren't showing up on time and was it because of the injury what made it harder to drive what made it harder to drive what was harder the truth i mean preferably from the beginning would be nice i mean being able to like drive being able to drive there every single day with a brace on my leg was really hard and i understand And like, I definitely, maybe I'm wrong in the instance, but like, they could have handled things differently on their end.

4:21What did they do wrong? Not be helpful in pertaining to somebody like my disability. What would they have helped with? Was it an injury, not a disability? Well, it's called a short-term disability. Sure, I gotcha. So, they were like paper. Did you try to make a claim? Okay. I made multiple claims. Yeah. well if they didn't uh hear any claim and even have a conversation then yes obviously they were wrong in that um what leg was it on um my right that would be right yeah your right leg okay and that yeah that would make it harder to drive i'm still confused how it made you late though like were you unable to push the pedal to 30 and you were stuck at 25 like how does this work it just this is just weird the way you're talking about this being fired is kind of weird and i know this is such a random thing to dig in off the beginning but it's just like there were other there were other things also like besides that i mean yeah you had a bad experience with the customer tell me about that and be truthful what happened in the conversation so what happened was I had two customers that called in and I mixed them up and because we go through like HIPAA and certain requirements and regulations I placed an order for the wrong patient and by law because I placed the order and the customer called in due to policy you know because of me showing up late and me also having that issue earlier that year What was that?

6:00Earlier that year with my leg okay um because that was 2023 in the beginning of the year and they fired me at the end in november of 2023 you were you were late every day for a full year um no i was late probably maybe two or three times a week out of uh out of a five-day work period yeah so yeah and basically what happened was like we were having because of that situation you clearly don't take that that seriously i mean you were smirking through that like you're just like i'm a silly little guy i honestly like that job i just didn't i just didn't care you got fired was it probably maybe it wasn't even because of the knee thing you had a bad call sound like you broke the regulations that the company has to follow that you potentially put them in risk for at risk for like disciplinary disciplinary action would come from that traditionally in most workplaces yeah a hundred like and then it sounds like you didn't want to be there so maybe your work ethic was bad maybe you brought negative energy to the office and you know just like other people weren't as inspired to work around you because you were probably just in the like in the vending machine room being like i was not that type of person i definitely made connections with people that i worked there i definitely was the type of person that helped out as much as I can.

7:27Okay. So what do you do now then? Right now I'm in between jobs. I just landed a new customer service job with a home remodeling company. I start on July 8th. Okay. What was the job previous? The job previous to this one, I was working in a cafe as a line cook. And what do you mean you're in between? So you left that one? Yeah. Why? um because the company that just hired me for this position they hired me for a different position um doing in-store promoting for the company so basically like i would have a kiosk and a bjs and you'd basically approach people that are exiting or in the aisles and sign them and you did that for a few days and then um i didn't like it at all oh my gosh so i reached out to management and she was really sweet she got me in contact with the other department and the other team and then like for the past week or two i've been talking with them doing interviews um to work in their department is that i really this customer service job yeah okay are you ready to deal with customers again um with this type of job yes okay for now what's the hourly rate gonna be for now what's for now what do you mean for now what what is that what is what is that that that honestly i'm sorry i know and maybe it looks like an the youtube perspective and i get it but when someone's sitting across from me and we're literally talking about their job and their income and you have a cheeky little smile like i don't know what that indicates i don't know what that indicates i mean honestly right now i just like i need a job that can be able to pay my expenses and cover things um but they're like i i do want to do other things like i do not want this to be a permanent thing what do you want your career to be i'm still trying to figure that out what did you say your age was 25 okay it takes it takes a while to figure these things out what's the hourly rate for this upcoming job this job is 15 an hour before commission so it's sales too yeah okay um based on do you know what like an average pertaining to the yeah so the commission is kind of structured the same way as in stores um i how many hours are you working they would be between 38 to 40 hour a week okay so 39 i'll do times 40 okay times 52 divide that by 12 for a monthly average of 6 ,760 dollars yeah six times 39 times 52 divided by 12 2 ,535 dollars yeah yeah that would be i must have typed in like 50 or something um and then what is the expected commission so um depending on if the canvases those are the people that actually go out and sit with for the job you're in dude for the job you're gonna be in what is the average commission if you know if you don't it's fine it depends on final sale but it's between 50 50 per 50 per order what is the average person in that position walk home with in commission if you don't know it's okay i honestly i don't know okay thank you thank you okay i'm honestly just going over the numbers they gave us in the training course what they say then they he told me it would be somewhere in the neighborhood of like 18 to 20 an hour so he gave me a full a full number so like between 35 to 4 000 with commission based on their numbers with their agents okay so 3 500 bucks a month about yeah okay so 2 500 to 3 500 okay and obviously with commission and everything it can take a few months to ramp up build certain relationships learn the game and figure that out that obviously happens yeah all right your finances okay this is fun okay why what's fun about it um well i mean like i'm talking about like pertaining with this job honestly because like the whole process so far like said this is fun pertaining with the job like the job that i the job that i'm getting hired for i thought you meant this no no i was talking specifically with the job that i'm getting hired for okay i'm happy you got a new job yay thank you um congratulations self-assessed your finances where do you think you are as you're being the worst 10 being the best your finances probably a three okay and being real okay i hope okay you confuse me you're an interesting little creature aren't you i try to do okay it's a fun shirt it's a fun shirt interesting and that's okay i love it i mean i'm i'm weird and interesting in my own ways as well like you gotta start somewhere okay sure three out of ten says the person that is two hundred dollars over the credit limit on this first card that we're looking at sure sure sure sure sure get your hammer financial score it's free in the description below well you don't like that plug what you reacted you don't like that plug you like laughed no plug i sometimes i sometimes like kind of make noises and things it's just a weird thing i just just make i make weird noises okay this is more interesting than interesting if you make weird noises and you want to be on the show calebhammer.com slash apply or actually if you don't make weird noises extra apply okay synchrony we're sitting at 1 ,074 dollars and 33 cents so what's confusing about this one is your 200 dollars over the credit balance actually basically 300 dollars over the credit limit yeah most of That is actually interest.

13:44Okay. Because the original credit limit was only$800. Right, but your past due$63, it wouldn't be above the credit limit on just interest if you were making your minimum repayment. It would still take a long time to pay it off, five years in this case. But it wouldn't go above the credit limit if you're at least making your minimums. I haven't made any minimums on this card. Why? i just couldn't why three out of ten why i because i couldn't afford paying and why is that because i was living over my expenses and also like i i just didn't have the extra funds to pay for it yeah but why what were you living over your expenses what were you doing i had my rent i had other rent well my rent was 12 75 yeah and what was your income at the time

14:40um well i mean it depending if it was last year no just when you had 1200 rent what was the income at the time when you had 1200 hours of rent um my income then was about like 32 to 300 a month cool so you can pay the rent a little expensive sure why couldn't you pay a 36 hour minimum payment because i just i couldn't i just didn't that doesn't make any sense where the money go to other expenses what like other things that i was paying for what you're just saying all these broad terms okay what what okay like for example like my car payment i had also my insurance um car insurance or like health insurance both yeah i had also my medical coverage there was also um other expenses like my example like like an electric bill and this is also not the only credit card that i have like i have multiple ones that have been maxed out so it's like trying to trying to make out like monthly payments for all of these so let's include all the payments you have to make 36 hours you were incapable of that yes i was incapable of doing that

15:50i mean like how much do you think hidden payroll this last month most recent month payroll uh last month well last month i had the most recent month the statements we have okay so for may i had my regular job that i got paid and then i also how much was the question 2300 from the okay 30 33 33 is what we had in payroll okay okay how much do you think went out in terms of spending um okay so this is not including expenses so this is just no it's total going out everything going out uh probably maybe 28 2900 6200 yeah that makes sense you just said 2200 yeah well i and then i i i times it by three and you're like okay so let me explain my brother helped me out financially so your expenses go up then he loaned me some money so your expenses go up then yeah well because last month i had to i wasn't was behind on my expenses for a lot of my bills so he said i didn't see any catching up i mean the money that he sent me went to pay for the rent electric insurance what's your rent right now rent right now is 1575 okay electricity is 102 okay that is not making up 6 246 math isn't math in somewhere i mean i'm i i'm telling you he sent me oh i'm sure he did he sent you 3 330.98 yes you did yeah i'm talking about what went out well the money that went out for that like i said was for the rent of which was 1500 uh and then electricity so there's a few hundred bucks to then there's okay cool then there was geico oh okay so car insurance and then you have your income on top of this math isn't math thing there's something you haven't budgeted in your life have you no yeah it's okay it's okay gee a little cheeky smile are you proud that you haven't no i'm being honest with you like i've never i've never budgeted before in my life when you when you get called out you immediately just like so i told you to do word faces okay listen if i mean if that's if that's you that that's you i just want to make sure you're taking it seriously are you taking it seriously yeah i am okay cool because i mean that's i don't want it to be a waste of time you know uh okay so i'll break it down for you we'll figure out what your where your money went we'll create a budget at the end We're obviously just like any other guest that has been on the show and that anyone out there can take advantage of.

18:38We're going to put you through our budgeting program. Highly recommend it. Take the class. Take the quizzes. Actually do it. I don't know how much of an education person you are, but actually do it. Do the investing one as well where I'll give you$100. I will literally give you a$100 gift thanks to Moo Moo. So you get a free$100. Congratulations. Thank you. Yeah. I actually take the class though and learn things. Okay. So synchrony is$1 ,074. 33 with a minimum payment now now because you're again behind by two months keep it keep in mind also that this is a part of my um debt consolidation like they i have a debt consolidation the f*** are you talking about what um it's through national debt relief okay so i had another company at the beginning of the year but i couldn't afford to pay them anymore uh so they basically dropped me out of the program what are they are they in the negotiating process right now because that this debt is not consolidated anymore they haven't consolidated this debt uh no so what national debt they told me they're doing is i basically send them out payments uh bi-weekly and they do a settlement within i think they said that's what i asked So they're negotiating.

20:00So when have you, when did you talk to them? I started National Debt Relief last month. And? And I've been making the payments. You have. What's the payment? It's like$169. Okay, but you couldn't make a$36 payment. And you're doing this while your brother's, and then you, but you tried to do this before. You tried to do this before, and you said you couldn't make the payment, so the debt consolidation dropped you. What's different this time? Well, nothing really is different, honestly. It's just it's a different program. Then how are you going to make it through this program? I honestly don't know.

20:40So why are you in it? Because I've been told that debt consolidation is the best way to consolidate your debt. Well, yes, consolidating is the best way to consolidate. That is how that works. Slapping this calculator is the best way to slap that calculator. Sipping that drink is the best way to sip that drink. Yeah, consolidating is the best way to consolidate. That doesn't mean it's the best way to pay off your debt. There is nothing more important than preparing for your financial future by starting to invest. So you don't want to end up on the Walmart floor in retirement. And who better to assist you than Moomoo, my personal favorite investing app in the official investing app of this channel.

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22:44I understand that, but again, this is what I know and this is what I do. What do you know? i know i was told that debt consolidation is the best way to take care of your debt if you take care of your debt okay who told you that uh one of my friends have you changed your behavior i don't think so again you spent eight thousand dollars does it make sense to consolidate before you've changed your behavior because then your debt will just go all the way back up yeah i understand that but at the same time like what else am i supposed to do like i wasn't making $36 payment. If you can make$176 or whatever it was, you can make a$36 one.

23:21Fun fact, one's a bigger number. I understand. One's a lower number. The lower number is the one you weren't paying. Yeah, but it's either$36 plus an additional monthly payments that I have to make for other creditors instead of just paying a lump sum that covers a lot of these creditors. How long has your brother been helping you? Years. What's he helping you with? he's helped me out financially um he's also helped me out mentally through a lot what does that mean i i i was kind of i was like raised um in a religious home and i kind of left religion in 2017 and struggled a lot my brother helped me out tremendously like getting me in touch with programs and helping me out like financially um like cultish yeah okay so he's kind of like helped me get apartments like help you know for example like paying um like whatever fees and stuff like that and then also with like co-signing but that hasn't helped though that part the mental sure but that hasn't helped no are you if i'm not mistaken are you not being evicted right now um my lease is terminated as of july 15th terminated because you weren't paying um it's terminated because my landlord made a decision to raise our rent to i was paying 1200 and then he decided to raise it to 1575 after your lease and then you re-signed the lease with that no no no well my lease ends july 15th he decided in june to raise it to 1575 so i basically was that in your lease agreement yeah oh okay they have the right to um raise the rent whenever they want to no there you go i mean you signed it yeah so so he raised it a few hundred bucks yeah and i can't afford to spend so you just stopped paying rent no i didn't stop paying rent i basically told him that i do not wish to continue renewing the lease in july you told us So you owe the landlord$1 ,500.

25:35I do currently owe him for June. I have not paid him for this month. Okay, why? Because I haven't been working. Why weren't you able to work that other job that you didn't like, at least throughout until you got your customer service job? I just did not like being in the store. Congratulations! I'd like you to be able to pay bills. We've all done jobs we don't like. I've done multiple jobs I don't like. I've also done jobs that I didn't. Cool. So why couldn't you do it for a couple of weeks? Because I didn't want to. Okay. That's the mind of a child, especially after that little smirk you did after you said, I don't want to.

26:12What the are you a baby? What is this? I just feel that I've been in and out of jobs since the beginning of the year. And I'm not going to stick around on another job just because. How does not sticking around in a job help you with being in and out of jobs so much? It's the opposite. it it's just i that's that's honestly the decision that i made yeah no it was a stupid decision no okay you're not paying your rent you're not paying your minimum payments is it not you disagree you somehow actually disagree with this no i agree i'm not able to pay like my basic expenses i know but wow i didn't like the job i can't do it in an extra two weeks is that not the mindset of an absolute child you're not 15 you're 25 yes i am 25 but like like i said i but you're not acting like an adult you can do another two weeks in a job yes i did not want to i did get no i got that part agreed i could have done that for an additional two weeks but i didn't okay okay

27:21all right so what happened on this card yeah fees 123 123 so that's just gonna make you continue to go up payments you made a small payment but it didn't it didn't make up for all the other minimums you owe so you funny enough you actually made a payment of what the minimum monthly payment could have been okay but you didn't pay back all the other minimum payments you accumulated so you still got fees added which is just hurting your position even more and then 24 and 46 cents of interest accrued again credit limit of 800 but you're at 1074 well how did you build this credit card debt in the beginning to start so that was a cure credit card um primarily that was used for medical expenses really but usually a lot of the times you can talk to the hospital they can do like zero percent interest payment plans i had co-payments for my physical therapy oh these were co-payments you're putting out co-payments plus for like my doctor's expenses so that's how the card got maxed out expenses yeah so like for example i had um an mri that i needed to get done i i'm being honest with you i don't remember the exact numbers but it was somewhere like around 200 and something dollars on that card that i had to pay to be able to get that mri done so okay and then why have we not paid anything towards it then while you're doing this i like i said it's i maybe it's because i haven't been able to have a control of my finances i probably that is the case but i just it was just too many payments coming at me at once that i just what were you seeking physical therapy for uh for my leg okay oh sure how is your leg doing my leg is perfectly fine now i'm usually able to keep so you won't show up to work late anymore yes i won't show up to i generally do not show up to late to work late but like several three times a week for a year yeah i guess you're like your leg didn't heal at all that year it did but the thing is i had a bone contusion so i twisted i was roller skating and i twisted my knee about 40 degrees inwards so the bones kind of like snapped back why not take like an uber though i know that wouldn't have been necessarily price effective but it at least would have gotten you there yeah no i honestly think you should have been able to work this from home on just like a cheap laptop they have all the security measures in this is the thing they did have where we could work remotely so that was one of the things that i tried to get approved approved from from hr and they just kept on denying it okay so all right capital one yeah all right new balance 662 dollars please don't be over the credit limit or over the credit limit 162.60 shocker interest accruing 16 you didn't pay a minimum monthly payment what are you doing new minimum fee payment two hundred twelve dollars it's probably normally like 49 what the again why not at least attempt to make some payments you're doing your little cheeky little oh that annoys me people don't understand how much that actually annoys me oh i'm a man of faces i can't help it i it's it's just me it's fine i just need to accept it i just need to accept that um but it's like you're getting turned on that you're over the credit balance somehow trust me i am not this actually makes me quite anxious really yes oh maybe that's your natural response then because that's fine when i when i get anxious i have you know my own weird tics and stuff like that so that's yeah that's fine uh this account ended up becoming suspended of course so yeah i don't think anyone's shocked speaking of turn down you see that little nerd back there no other producer yeah in the post show today i get the grill grill his lady friend that's in town visiting because he grilled mine once in a post show so I'm going to grill her.

31:31You can ask her any questions you want as well. I will definitely do the 100%. Yeah. This should be fun.

31:42You know what they say? Three's a company. Whatever you guys want to do after the show is what you guys want to do after the show. He's already half naked with his shirt. I mean it's Texas And it's hot outside It's very warm

32:03Okay That's a 39 % So of course when's the last time you made a payment on that Uh Five Five months ago You're killing me Why the f*** haven't you at least attempted anything It's the same thing with No attempted I know you've had some money it's just it doesn't do anything it's just every single time i've made i've made payments you're not getting fees added yeah but when you make the minimum payment where are the you looking you're looking at noah that's in the post show look at me okay but the thing is is that whenever you make a minimum payment it doesn't change anything on the account it's just gonna still it prevents you from getting those extra feet what are you doing okay i'm i'm ready to stop this thing if you're being like i i don't know are you joking no i'm like because you're sitting you're like the minimum payment doesn't help anything if i put it towards that's what you look like it honestly like that's how i feel it doesn't do anything like all it does stops late fees it starts paying down the card yes it takes forever but instead of it going up it actually does start decreasing the balance a little bit barely okay but like the thing is if i make those payments it's gonna take like do you not care about your credit i do but it's gonna take okay no you don't no you don't but it's gonna take 14 years for those things to get paid off if i'm i honestly don't i don't i i honestly like feel that making the monthly payments it just takes no you're a lazy baby and you're excuse for all this that's you you just make up numbers it's gonna take 15 years no it takes five i can just be lazy you're just a lazy child you're a child and i call it how i see it i'm not trying to do that to insulting you but you're acting like a child who just got access to credit you have no responsibility the capital one would be paid off in two years two what's a bigger number two or 15 you have a point i yes okay car max so we got a car carmex is a horrendous place to get a car i'm sorry that's all right the interest rate on there is pretty high yeah 13.45 definitely not good by any means no and i'm i kind of had a i kind of had a perfectly perfectly good car before those people are gonna like mass dislike this video you know that right i don't care great thank you but yeah i i made the decision because i found the car that i really liked and yeah i basically did like a trade swap and i got my car the one that i'm currently driving which is a mustang so yeah i don't i mean i It was not necessarily the smartest decision that I made.

35:09What is the car? It's a 2011 Ford Mustang. The one that I currently drive. What do you think the car is worth? Last time I checked Kelly Blue Books, it was somewhere between... You did check? Okay. Yeah, I did. It was between like$14 ,000 and$15 ,000. Okay,$8 ,500. When did you check? Last year. Oh, okay. Kind of the same time around that I got the car. oh mustang lots of experience with people with mustangs on this show it's always a little exciting car to go into a lot of debt for i mean ten thousand dollars ten thousand eight hundred fifteen dollars a car debt it's not a horrendous amount of car debt but for your income situation it's really bad especially for someone who can't make payments do you make payments on this i do okay so so again you can make a 274 73 cent minimum payment on this but you can't on a 36 minimum payment card true but i did have problems at the beginning of the year of making payments so they did push sorry they did push the payments um about two months so i like they said you have grace period or something yeah so it was basically i made two payments in one month okay but the normal minimum fee is 274 yeah oh okay oh you did pay it oh there's a late charge you're so late 27 and 48 cents you were late you were late buddy buddy you were late this is just financial mismanagement at its core it's hard for me to keep up with see there's lots of that There's lots of just, I don't know.

36:55We need to get the full financial picture before I can tell you. You're right. You know what? It is hard. There's just here and maybe we can find a way. Or it's just like, you're just a, you're just acting like a child. But so far from a lot of the excuses, I do lean more towards that way. I hate wanting, I hate passing judgment before we get the full picture. I really do. Cause I don't want to think you're like a, like a bad person or anything. Cause I don't. Finances are only one part of a person's life. but gosh is it because it's hard i mean you chose to take it out you got in the credit card debt like you chose to take fine credit card debt maybe some of it went to some health things okay you chose to take this car loan out from carmex which usually you know you can't really negotiate you can't can't even negotiate a carmex can you so it's just yeah the the price is what the price is and it's usually over the value of the car and then you got at a 13.45 loan okay maybe maybe that is hard for you but you chose to do that i did i did um and you're not even dramatically underwater in it either you're lucky for that thankfully yeah i mean it's so like it's sad to say like this is honestly one of the only debts i've been able to kind of but it's more expensive than the other ones the thing was my car before my payment was close to 400 a month it was like 365 but it had zero apr and i i owed like 5900 left on it no why didn't you just work your to pay off that 5900 sure that minimum payment was uncomfortable for your situation but we could if we talked we could figure out a way true but i really wanted that car yeah yeah like i just i don't honestly like i i know it sounds crazy like i honestly don't like this is one of the things like i understand like i made a really bad decision but i don't regret it i mean that's the that's the thing i i honestly i don't know how to respond to that because i mean i could dig in on you and everything to do for a lot of people but when it's just uh okay this is obviously a very dumb decision and it's uh well because i wanted it and then there was the obviously quitting the job before or stopping stopping to work that job before you got your new part well because i don't like that job like what like i want to help you what the can i do to help that you're choosing your wants your wants over your life over your future over any sense of security over any chance of retirement what the am i supposed to do with that i would love to help you but what can i do like that is just the most give up like words ever what do i do with i wanted it so it's okay and i don't regret it and i would do it again what do i do with that i wouldn't say i would do it again if the situation for example came along again i probably would not make the same decision but i do feel for myself that i have given up to a certain extent like instead of trying to be able to like work and figure this stuff out i kind of just did what i can and just to get by like just to get by that doesn't make any sense but you're not getting by no i'm not so what the fuck are you talking about i just making it i've managed to make it through every single you borrow double your income from your brother yeah it's true half of your livable wages from your brother doesn't make sense how's your brother he's 39 okay oh wow that's a big gap yeah we're 16 years apart um i know we're not gonna name specifics but just in general can you say in concept what he does so my brother operates one of the largest um like rebuilding and manufacturing plans for a specific car company where they handle certain components such as like rebuilding and remaking i'm gonna say something to him if he watches this i don't know if you're gonna send this to him or what but speaking to your brother for a second i don't think you should give any more money i think he's enabling you you're allowing yourself to just coast you're allowing yourself to just say it's hard you're allowing yourself to do i get this because i want it i'm gonna stop working because i don't like the job he's allowing you to do that because he's doubling your income through helping you now you know what i have a big gap between me being the oldest brother and then my youngest brother uh five years my middle brother's five years below me but then it's something like a i don't know he's i'm 29 and he's going into freshman year of high school next year so there's a big gap there and honestly i'd i would probably want to do the same because i don't know i love that dude i want to help him out too i get it it's a helping spirit from him but i think he's hurting you he's enabling you to be able to do whatever the you want and you're getting yourself in worse positions because you think oh daddy brother's just gonna bail me out because he's always bailed me out he helps me get a house he helps me get a car he helps me pay my bills he helps me do all this this is gonna bail me out which is putting you in a worse position i mean you because of all being able to build out you you yes a higher minimum payment payment but you swapped out a zero percent loan with a car that we could have gotten together we could have figured out a strategy to pay it off as quick as possible so that you got out of pay for rav4 you you traded that in for something at 13.45 interest rate that's going to take you a long time to pay off and i think he's just enabling you again i think it comes from a warm heart from him i don't think he's a bad person for this at all but i think you're getting hurt i there there's been kind of tension with my family because like because of like my certain like my current like predicament right now with my finances they wanted me to reach out to him and i've been very strong as to not reach out like your brother to my brother for help and i basically when was the last time you talked because we just had 3500 coming to your account um this would have been last month the last time i spoke to him was last month okay so this isn't ongoing this is like this i mean this is a new thing yeah my family like they basically want me to reach out because of like my moving situation right now but i basically like have told them that basically getting evicted yeah go ahead i basically so like i'm not reaching out for him for any money i just i i just i don't want to i don't want to keep on relying on him to i mean he's helped me out pretty much with every single apartment I've moved into.

43:53Like, I feel that I should be able to be able to move in an apartment on my own. I think so. Let's talk about skincare. It's something we all need, but most of us have no clue where to start. I used to be the same, spending an insane amount on random products, hoping for clear skin. But then I found geology, and trust me, it's a game changer. Geology makes skincare stupid simple. Start with a quick 60 second quiz about your skin goals and then boom they developed a personalized derm grade routine just for you and deliver it to your door no more guessing games or wasted dollars don't sift through endless products geology has changed skin care to its essentials with trusted dermatologist approved ingredients you've got concerns about acne dark circles or just want that healthy glow they've got you covered i personally love their vitamin c plus e plus virulic acid serum they seriously revitalizes your skin and it's so easy and quick to apply.

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46:16Okay, ask someone from the Midwest, go to North Carolina. Okay. I know. Yes. Yeah. You don't need to become best friends with corn? No. Neither pig farms or Dutch County. Have you gone to school? Have you done education? That's high school. I went to cosmetology school in... That doesn't pay much until you're pretty far into the career. Yeah. And I did not do a lot of research. which cost me about$6 ,000 to do. But you have your certification in it. Yeah, but I never did anything with it. Oh, you can still leverage it for an entry-level job. Again, the hours are a bit weird. True. I actually have some friends in this, like current friends in that industry.

47:00So, you know, I get to see their daily lives. It's not necessarily also like what I want to be doing. Is that the only schooling you've done? That's the only schooling I've done. I have been thinking about going back to school for something else. It's not a cure-all by any means, but I'll give you, obviously, any tech certification that you want. They just came out with an accounting certification through Course Careers, so that's good to add to your resume if you ever want a booster. So I'm able to gift you one of whatever you want. Okay. I recommend them. So if that's ever something you want to consider, that's okay.

47:36What do you want to do? Do you know what you want to do? I kind of do. i i'm thinking about getting into the automotive industry okay you're into that i sorry i just hate i just hate first off excuse me first off i have a mustang that's the s197 naturally aspirated engine oh my goodness aspirated okay it's a really cool car and i love it and i know like i'm one of those type that i will defend the s197 from today until tomorrow it's one of the best mustangs that have ever been made that's certainly a letter and a number but the i'm kind of like the person around my friend group that is like known as a car guy so the car guy i worked for my brother's company for three years um why don't you do that again that's what i'm thinking about but the thing is his company you have to be an automotive technician yeah trade school yeah okay yeah sir there's a program out by us called uti universal techno technological institute now the better uti up the better uti um they have a program with fast track with bmw which has a scholarship baked in which they would pay for your schooling that's cool so i'm talking with the administration they have an orientation on this gives me hope now here is a glimmer of hope in the conversation i like that that's good and it seems like it's something you're interested in yeah that's cool i mean you're not to your mustang on a daily basis so I know this is something you like.

49:08It's not a BMW. And you work. You're going to work with BMW. Well, I mean, with BMWs, it's going to be a constant day-to-day basis with the amount of vehicles that come in with problems. So I'm not worried about that. It's a BMW after all. It's okay. I'm the enemy of the car world. I have a Tesla and I like it and they hate it. I kind of think Teslas are cool. It's fun to go fast. Yeah, it is. Especially the Plaid model. Yeah. Okay, so, yep, we got the card payment. Let's keep going. Disney rewards. What the f*** are you doing with a Disney rewards card? Okay, this is the card that I took out because my mom asked me to.

49:51Your mom asked you to? Yeah, and I should have. What do you mean she asked you to? She was, like. I think that's the second time that's happened on the show with this card. Oddly enough. Sorry, go ahead. I didn't want to open up that card. like i kept on telling her i i literally think this is the second time this has happened for this card and that's so weird i really i really really really why'd she want you to open it because my mom loves disney and she wanted a credit card if we why did she get one because she doesn't have that she didn't have that great of credit so she wanted to curse son uh and that's okay in some parts of the country what yeah move to iowa hey but it just it just kept on spiraling i mean the credit limit was so high like okay this is gonna sound did you guys put like a disney trip on this or how do you bit rack this up purchases okay so i mean i didn't even yeah you're not a credit card person i'm not i'm not i'm not okay so i would close these accounts it's not it's this is not benefiting you use a charge card like the fizz card and at least that helps is that interesting you you're so interesting to watch your eyes go you're just you're you're you're yeah i like yeah you're just like you were so interested in me watching my arm he was like locked in i should have mentioned early on like i i'm kind of like dyslexic and i have like that makes you look at itching arms no i also like it's kind of like undiagnosed like almost like autism almost okay why does everyone on the show that suggests they have autism say it's undiagnosed like can anyone go get diagnosed these days please i know like before we start saying we have things can people please get diagnosed it's like one of those things where i've had like quite a number of friends that just bring it up and it irritates me because like the stuff that you're doing like they're like why are you why are you doing that like why are you looking like that and i'm like i i don't know that's just me it was just so interesting because i was trying to talk about this this credit card and you're just like that man's itching his arm what is happening i mean you know look i'm doing it again look check it out okay cool so 2 367 and 69 cents on here with a 57 interest accruing kill me now $40 of fees.

52:21Wait, what's the limit? You must be over it. Oh my gosh, yep. $2 ,000, so you're over by$365.69. $509 minimum if you pay it. It's insane. It's only that way because when's the last time you paid on this card? January. January was the last time. I made a payment. That was a long time ago. Yeah. It is. This is... Like, I can't... I just don't know. Maybe I do know. It's just, I don't even, to be honest, I don't even remember what I used that card for. Maybe like Target or Walmart. I just don't even remember. I don't even know what to say this one because this is like what the fifth late fee was, you know, rowing up late fee.

53:10And it's hard for me to emotionally just like, I'm so desensitized to that in this conversation because this is you're just nothing but late fees there hasn't been a non-late fee so far and you're you're late by six months now in those five six months summer seven yeah yeah and you're okay with that you just accept that you're fine with it what am i like you just like it's just like how is that okay for your life buddy i don't know any other like i don't know any other way of of dealing with this i just i i'm how many hours a week were you working your last job 37 hours a week okay there's more weeks there's more hours in the week than that and if you can't afford to pay your bills sometimes you do have to work more sucks it's not like i'm like yay go do it i'm thrilled that i have to see this dude work more hours but if you got yourself into a situation which you did you did you took out the car loans you took out the credit card debts you self-confessed a lot of this was just targeting bulls**t you need to take the responsibility to actually get out of it at 25 this is insane you're throwing your life away already so young i know but but you're gonna give me a but i don't know like this is all i've known this is like i just know that i've always known like you use a credit card when you know you have expenses that you can't cover and then you pay it later whoever told you that that's literally the opposite that anyone ever says in the credit card space well that's what i was told by who family some old friends okay well they're stupid don't listen to them ever again if they mention anything financially related to be clear ever they clearly don't know what they're talking about they're dumb yeah yeah yeah yeah okay as long as you know that so there we go it's the fourth one late not paid well i'm i have a feeling the fifth one's gonna be the same discover let's see let's discover how to not make our minimum payments we are at two thousand eight hundred twenty three dollars and sixty three cents the account has already been sent to collections oh good i haven't made a payment on that in over well in over a year yeah you don't give a what your credit it's basically it's 500 credit score is like 500 on here well that one has the credit um on there is 25 i'm got approved at car max you're over the credit limit by oh you know 823 interest was accruing now it's in collection so it was actually one of my first credit cards so and you just didn't pay it i mean you're eventually not gonna pay your consolidation thing you're gonna fall out of that you're gonna find a reason and excuse to not pay for your car it's gonna get repoed i don't know you're gonna get evicted from your where are you moving to my mom well you're moving in at home moving in with well you're gonna save money with that yeah but you said you're considering moving to this is after i finished schooling so i have to oh so trade school is like imminent yeah i'm i'm thinking of going to trade school because i i need to start working on some type of career for myself i like i've started to realize that i've been in a predicament where i'm just paycheck to paycheck and like buddy you're less than you're it's paycheck to paycheck you're not putting in your paycheck towards your dad it's not paycheck to paycheck i mean whatever it is it's like i i'm in the situation where i have to move back in with my mom because i just cannot afford to pay rent anymore.

57:18JetBlue is the last card we need. Your past due,$408. Who would have thought? With a new balance of... Again, I'm just desensitized to this. $773.44. It's sad. I don't know what the payment due is. It's more than half the card. Is this in collections yet? No, they want me to settle. Sure they do.

57:43it's just a joke it's so bad your life isn't insignificant but you're treating it like it is this is just like my situation but it's your situation that you got yourself into don't just say this is my situation you've allowed this to be it don't just sit there and just accept this what else am I supposed to do action growing up not taking from brother not listening to stupid people not sitting on your not quitting a job because you don't like it not showing up late to work for a year you actually put in action I am gonna I am angry for you that you just accept this as my situation that I'm in no you got yourself here and you are preventing yourself from getting out of it.

58:42And that's a joke. You're allowing yourself to be a joke. You're not a f***ing joke, dude. You're not. You don't have to be the punchline of this world. Stop. Literally. I know, but there's just, there's so much. Oh, are you going to, just don't, just don't. What the, what are you, but what? There's just so much debt No sh** and you got yourself into it Fuck me I mean like where am I supposed to start to be honest How about let's get through and we'll figure it out Student loans Student loans Yeah that was for cosmetology school I mean one of the benefits of going to the cosmetology school is I got my GED You dropped out of high school?

59:38I never finished high school So you dropped out of high school Are you paying this? I had it on Layway until now in June So my payments start this month They'll garnish your wages if you don't pay for it Fun fact It's federal loans They'll garnish your wages They can do whatever the f*** they want Okay Pay for it is that all your debt pretty much yeah well kind of the consolidation what's owed total for that if that's the route we go down that obviously takes away the cards everything except for the student loans and car right yeah how much is owed on that so the estimate that they gave me was they're still negotiating uh i think was 19 000 for everything total so it must include your car no uh there should be i also had a loan with best egg which was for 9 000 oh my yeah what was that for oh that's insane what is best egg it's some loan company online.

1:00:55Okay, what did you get it for? That's insane. 25. Honestly, like, I don't remember why I got that loan. When did you get it? A year, a year and a half ago. A year and a half ago and you don't know what you spent it on? No, I don't remember. I mean, like I said, like, there's just, there's so many accounts. Stop. Just stop. Buddy. I really don't want to hear more okay this is just wild it's a podcast you have to talk I mean if you want me to I can this is just I'm just I'm blown away I mean what so they're saving you$3 ,000 total so they're saving you$3 ,000 total I guess so and they probably have baked in fees and all the shit that you should do because they're going to make their money.

1:01:53They're a company. It's not a charity. Oh, great. This checking account has a dollar in it. This is Zellen money. Zellen money. Zellen money. I don't really use that account anymore. Oh, you better not. There's a dollar in there.