Wannabe Trans Victim Steals Money From EVERY Friend | Financial Audit

26:23Those are your finances. Why would you not let it go to collections? I have some collections, and I used to be able to have a couple still. Some have paid off. Some have dropped off. So why not let those go to collections? As I'm trying to keep it from getting worse and pay those collections. Good. My credit is finally not totally in the crap. What? What number? Uh, 623. It used to be 404 two years ago. 621. I've been corrected. My bad. Can I? Credit karma money? What the f*** is a credit karma money? Yeah, so what it does is it's like a line of credit savings thing. and so what it does is every credit savings every well i can't touch it every check it puts 40 in there and then once it hits 500 it deposited back in my account yeah but the annual percentage yield earned is 0.00 percent it just earns credit or like it gives me good payment yeah it's like a card builder i'd rather use like the fizz card so you can actually spend money but it's no more than in your checking account it starts building those habits so you can become a credit card person again yeah that's what i would rather you be yeah because this one this one i got because it was automatic it was like i couldn't i could not touch it i mean i have read so 80 contributions 80 withdraws so you said you couldn't withdraw did i misunderstand this one of those accounts is the um spend account so i have a cart like a it deposits of two dollars on a spend account isn't that nervously nervous because i don't touch that account it deposits the 40 for each thing from my check direct deposit every time i get paid and then the day after that it deposits that 40 into the credit builder thing i don't touch that account you have so much debt for a 26 year old wait well i mean it could be worse it could always be worse what do you of course That does not justify having it.

28:22It's not about it being worse. Or the ability to be worse. It's better than it used to be. What did it used to be then, possibly? Because, again, I've seen another 18 % loan here. We're about to be on the fourth loan of you. Barely through your 20s. What? The good thing is I no longer can have credit cards. So it's not even you changing behavior. It's literally the fact that you do not have access to the ability to borrow unlimited money cards It helps out Yes, it's a forced mechanism, but what about your f***ing behavior and maturity? How about that? It could be worse It could be worse, but only by the f***ing limitations of the system Is why it's not worse So why would we be proud about it could be worse?

29:09Because it couldn't be worse from your own actions It couldn't, you're not allowed to be Because you can't qualify for anything. Probably your debt to income ratio is probably considered s***. When? How long have you had this job currently? About a year. Okay. So I don't know if they fully calculated into your debt to income ratio. Have you filed taxes? I don't even know. No. I haven't filed taxes since 2020. Did you even know this? Uh-huh. Oh, they did know. They just didn't let me know. Why the possible f***? Why? Why? Why? Why? Just why? It's just I feel like you're collecting the Just like stupid infinity stones of dumb up and so 2020 I you know filed and I got a return 2021 I was gonna have to pay Money and I didn't have the money and so I would how much like 300 bucks Go on, you know the next year comes around and it was a little more You're ruining your life on$750 so far.

30:17What the f*** are you talking about? Go on! This year, I actually would have... You've made money this year. I would have gotten a return. What do you mean this year? Not this year. 2023. Sorry, not this year. This year... Oh, good death. Okay, yep. 2023. I would have gotten a return. A small one. Uh-huh! But they ask for a pin from your last year's taxes so you can file this year's now. and I didn't have that pin so I couldn't file it. So I have to do like buy mail and figure that out. With penalties and everything you probably only owe a thousand dollars. Why not just get this taken care of before they come after your f***ing wages and garnish you and you with penalties and interest?

30:58You can't do this to yourself. Why put yourself in such a risky position at such a young age for no reason? I really don't understand. I think I've just been pushing it out of my mind because it's stressed me out so i was like okay let's just not think about this every time people say that though this is like i guess we just live our lives in a different way my dude this is like putting off putting off putting off because i don't have to think about it but it just becomes worse and then you are forced to think about it and then it's worse than it ever was if you just thought about it before why do that delay why not rip the band-aid off instead of letting it become I'm infected.

31:37I'm so confused why you would do this. Yeah, I think it's a just like, OK, well, I don't have to deal with that. Future Casey can deal with that. So that's future Casey's problem. But then it got to the point. It's like, OK, well, now future Casey's having to deal with it. So for all my students, remote workers, anyone out there stuck at a desk all day, I feel your pain. Running this channel means I spent a lot of my time at the desk. At one point, my posture was tanking faster than a bad stock pick. Something needed to change and that's where today's sponsor Uplift comes in. With Uplift, I realized that sitting all day wasn't just bad for my posture, it was wrecking my focus and energy too.

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34:03No, I'm curious, you know, it is. What about this next year's taxes? You're probably going to owe. Well, I don't know. I mean, it sounds like you don't really have your deductions all correct. I put a voluntary deduction in there. What? 40 bucks, every check.

34:22extra or 40 bucks extra oh it's w2 so there's there's you can set up how much is essentially being set aside what does yours look like what have you done that's the only thing i've done is only 40 dollars voluntary hold on but you didn't set yourself up in any are you hold on well a ton of taxes come out of my my check i i am more than 40 Oh, yeah, way more than$40 ,000. Hold on, hold on, hold on, hold on. Yeah, but possibly, possibly Social Security and stuff like that. Social Security is taking out. Yeah, yeah, yeah, yeah. What about income tax? Income tax is year to date. When I looked at my last check, I paid like$6 ,000 or$7 ,000.

35:05Okay. Yeah. Oh. No, my taxes are high. Oh. Yeah, okay, you might not owe, but pay this$1 ,000, dude, that you're probably going to owe. just why not at this point can you give me a why not at this point

35:22it seems like a it's just been an overwhelming process it's a thousand dollars which is not insignificant but for you you could do it that's almost how much you spent going out to eat in a month right yeah yeah i yes yeah i just have to figure out how to go about doing that i guess talk to a cpa anyone credit karma i don't care okay yeah i've only yeah i've only used turbo tax so all right yeah do that well the turbo tax won't message them call them yeah because i looked what is this installment loan a thousand one hundred seventy seven dollars is the balance at an 18 interest rate flat that's a personal loan i was using to try and get caught up on my rent of my previous apartment?

36:09Your rent of your previous apartment? When was this? When did you take this out? $140 minimum payment? July? Of last year or this year? This year. What? Wait, to try to catch up in your last apartment? When did you get into your current apartment? I'm in a house. What's your current rate? My current rent? 540. Is one of your parents a roommate? No. No parents are in the state. As far as you know. Okay. Well. um why catch up with your last apartment what do you mean were they hounding you for what for why pay a running late in payments um was it it was base rate was 13 50. remind me how long you've been in your current job over a year you could have paid it what are you talking about yeah it's all the cycle

36:58um yeah the thought it was like okay well i'm getting behind on this i'm having to pay like now 1600 plus a month because the late fees i was like okay well if i get a loan the extra hundred dollars is less than an extra three hundred dollars you're trying to finesse man you can't finesse you don't know how to finesse you're not a finesser i i definitely tried

37:28yes all i care about is you not doing it again because you continue down this path and you are gonna be you're again again you are behind on retirement now sometimes there takes a bit of catch up in the 20s because you can start late depending on what school looks like that's Okay, but as long as we're hitting one times our annual income in retirement, it's kind of that minimum goal we shoot for, and it starts to compound from there, so you're setting yourself up for success, you know? And you can do that in a variety of ways, in your 401k, in a fucking just brokerage like Moo Moo that I use. You can do it anywhere.

37:58Do you have a Roth IRA as well? Good! There's not, like, anything in it. It should be like 20 bucks a month. All I'm saying is you continue down this path, you're never going to be able to retire. I know retirement seems so far off, but it's really important to start compounding now, because this is the time where you set yourself up. Not in your 40s, not in your 50s. It's now. It's your late 20s and your 30s. But you're around with 18 % loans and you are not getting that kind of return on an annual basis averaged. Okay. Oh, good death. It's one of these again. The world moves fast. Your work day, even faster.

38:37Pitching products, drafting reports, analyzing data. Microsoft 365 Copilot is your AI assistant for work built into Word, Excel, PowerPoint, and other Microsoft 365 apps you use, helping you quickly write, analyze, create, and summarize so you can cut through clutter and clear a path to your best work. Learn more at Microsoft.com slash M365 Copilot. Oh, this has to be the other bike. Yeah, I think so. Bike two. Bike numero two. Yamaha. Yeah, that's the R7. That one I bought brand new. Proud of you. How much is owed on it currently? $7 ,399? Ode on it currently? Uh-huh. $9 ,400. The f***? Whoa, whoa, whoa.

39:23What was the purchase price? It's at 12. It's at 18%. What was the purchase price? Well. Oh, the purchase price was$7 ,999. $7 ,399. But you're saying it's at$9 ,100? $9 ,500, I think. Oh, for f***s sake. I did a really low down payment, but I also... What did you put down? 60 month. Oh, this is the second bike. That's right. So when did you get this? I got it around the time... Okay. This is also a story. Oh, let's hear it. It was with my ex at the time. Okay. And the relationship was not going well. Whose dad was the ex? I don't know. Revenge story. I don't know. Not that. and this is in Alabama so it wasn't mine sister?

40:10no no no no actual throw Alabama in there I don't know go ahead go on go go go non related living with her at the time I actually didn't want to get that apartment what does this bike have to do with it I didn't want to get the apartment I was paying for everything because she wanted to get the apartment with me I wanted to get roommates so I didn't pay as much and I don't know the relationship was kind of getting rocky and instead of you know communicating we both retaliated so what communicating what even literally anything how are you that bad at relationships i'm saying that is the most single mother in the history of existence how are you that bad at relationships i can communicate no i don't like you that relationship was that's rude that relationship was entirely uh physical it should not live together it should not have been a relationship yeah well it was we got together and thought it was like oh yeah we're in love but no it was just um it's a retaliate she started her boss and well hold on why okay were you guys in a relationship Yeah.

41:21And she started f***ing her body. Why is everyone f***ing figures that are considered inappropriate in your life? Oh, good f***ing. Who were you f***ing? I wasn't. Well, I was. You didn't revenge. What I was doing is I used her credit card for the down payment. Of this? Yes. Of the bike? When was this? That was relationship ending. When was this? That was relationship ending, not her taking the boss's d***. Oh, that was at the same time. Like, within weeks. Her boss? What was her job even? She's a chef. She was the restaurant owner? I think her manager. Oh, guys. Why am I not working in restaurants?

41:58Sorry, I'm putting too hard right now. It is a perk of restaurants. We usually save that kind of degeneracy for the post show. If you guys just want that bulls**t wild stuff and whatever we're going to do, check out the post show. That's where the more fun is. I'm going to keep it tame here and mature. Okay, so how much did you use to get on her card? When was this? You did not answer. Oh, end of April. This year? Yes. Dude, this is so f***ing recent. I didn't... That's a bad breakup. In Alabama, then you had to figure out where to go. Oh, no, that was here. The Alabama thing was an in-house joke.

42:31Oh. You brought up the dad thing. Oh. Yeah. But yeah, no. $253 minimum payment, by the way. 18 % interest rate,$9 ,500 owed. On a bike that costs$7 ,000, which is probably worth, what, three? Go ahead. What? I knew I couldn't... You knew what? I knew I couldn't afford it, so that's why I used her card. You had the down payment, but what about the minimum of the payment? I'm sorry, I keep getting lost in the T. How much did you spend from her card? Like$1 ,600, whatever that down payment was. I don't know. I don't see. Oh, it's not on that? $1 ,620. $1 ,620. Very nice. $1 ,620 or whatever. Okay, so you committed credit card fraud.

43:05No, I was an authorized user. What? That affects your credit, though. You dumb little tit. I paid her back a couple days later through... A little guilt? A little guilt. Good. That's a sense of a little maturity. Yeah. Well, what I did was. You're a little degenerate, aren't you? Sort of sold-ish my Kawasaki to my brother for a year. For a year? What do you mean for a year? Did you buy it back from him? He still has it right now. Was he renting it from you? More or less. he basically paid me back for the down payment and I was like, you can keep it for a year and I'll pay the payments. And if you want to take over the payments...

43:50Did that mathematically even make sense? How much was the down payment that he paid you for? Oh, this? Yeah. But your payment on that other thing is$1 ,400. So that's not equaling that. So really, you're losing interest to him as well. Yeah, but it paid her back. That way you didn't have to... Debt for debt for debt. That is your life. That way you didn't have to deal with her. You just had to deal with him. Leave her and then you wouldn't have had to anyway Not that you should have paid it back Yeah, no Is that the eviction? Is that the apartment that you're paying for? That is the apartment How many apartments have you been to since then?

44:24No, that is the apartment I was there mostly by myself Huh? I was there mostly by myself Until a month and a half Two months ago And then just kind of left Listen, it doesn't teach you about relationships but go through our budgeting class you get it for free. Go through our investing class you get it for free since you have an investing account. Actually use it. Go through the quizzes. Go through our debt class so you can understand the implications and negotiation and all that. Go through it. That has to be like 10 hours of class work for you to do plus quizzes and everything. Go through it.

44:58Literally 10 ,000 people have done it. Go through it. You get it for free. If you don't take it by the time you come on for a follow up I'm going to be so pissed. It's discounted right now for these people 15 % off which is great for them. Good job but you get it for free. so do it okay i'm ready to move out charges so is that this apartment yes okay uh am i looking at here water allocation gas allocation drainage pest control trash final gas gas admin final what the basically it's three thousand four hundred thirty nine dollars and fifteen cents yeah it's basically wait but you said you took out the personal loan for this right To catch up and then I didn't catch up.

45:36Where'd the person alone go to? I ended up not catching me up. No, where'd it go to? Um. If it didn't have not to this.

45:51Probably eating out. I honestly have no idea. What was it? 12 % to go out to eat or 18 %? I remember 18 % probably all your interest rates are 18%. To go out to eat? At least it's consistent. That's not funny. That's not funny. Yeah, shake your little jaw. That's not funny. Quiver in fear. That's stupid. 18 % would keep me up at night. That's dumb. Yeah. So you still owe this? Yeah. I got a payment plan with them? What's going on? I'm on a payment plan now. You ready? Okay. Okay. Okay, what? It's a 12 month. I paid the first payment. The minimum is$2.95. Is there interest on that? No, no interest.

46:30Lucky. So you got about... uh they said if i do that then it won't go 5250 left probably yeah they said if i do that i won't you know screw my credit yeah because they would send it to collections and yeah which you love doing okay all right let's be real for a second dealing with car insurance is absolute death one minute you think you're getting a decent rate and the next you're hit with some random 50 fee don't even get me started on trying to compare different companies it's like trying to find a needle in a pile of taquitos. You're probably getting ripped off without even knowing it. But here's where you can stop this madness.

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47:36So if you're tired of throwing dumb, dumb money at overpriced insurance, check out money.com at the link in the description below, and you can start saving now. Stop paying more than you need to. Your wallet will thank you later. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners. Federal student, you went to college? Yeah. Yeah, yeah, yeah. For a little bit, It dropped out, that type of thing. No degree? No degree. No. 3.1. This is when I was like 18, 19. 3.5%. Yep, yep, yep. 2.5%. Okay. I'd minimum monthly payments until these are paid off. $57.18 minimum monthly payments.

48:09This isn't that crazy. Just like I think 40 % of people that go to college and borrow debt, you didn't get a degree. You're not crazy for that. You're lucky though. $5 ,008.55. $5 ,108. because I think the median person or average person that borrows for college borrows$40 ,000. I just went to ACC, so. Austin Community College. Yeah. Yeah, it is cheap. I'm actually surprised you borrowed that much for limited school at ACC. I have a minimum of the payment until that just pays off because the interest rate is really low. You're getting by the 18 % ones, okay? Okay. What do I have here? Oh, collections.

48:43Okay. Yeah, sure. Collections won 426. What are you doing with this? How long has this been on here? what is it for? I think that one is the rental musical instruments? I think I had a rental saxophone for a while. And you didn't pay your rental saxophone? Yeah. You look like every saxophone player in high school that would get bullied looked exactly like you. I was the section leader. Oh yeah you were. I was a trombone player that's why I'm fat. Yeah. So I was yeah. You didn't get bullied did you? What? You didn't get bullied. Oh no. Good good good good because then I'd feel bad about that joke.

49:21I was just joking with you, but I'm hoping you didn't. Good. Okay, good. Hold on. Why were you renting? In college? That was later. That was like 2019. Because I was like, I kind of want a tenner. Why did you pay for it? I moved back to Texas with it and then forgot about it. But what about the payment? Why weren't you on automatic payment? Because I didn't know if I'd have the money in my account every time. Then why take it out? Have we learned a lesson?

49:56Yeah. You know the answer to those questions. So, yes, you please have learned a lesson. Okay, great. More collections? How much collections do you have? Collections number two. Just those two. Good. $966. That one's a medical pill. I got crushed by a forklift. You got crusty armpits? Crushed by a forklift. Oh. Professor, okay. What is my hearing right now? I promise my armpits aren't crusty. I don't want to confront you. Crushed by a forklift? Yeah, my stomach got... What situation? Probably an OSHA violation. But it was a small welding shop I was working on. Yeah, no, I got crushed in between the mast and the roof of the forklift.

50:35Any payment plans for either of these? No. You could just pay them off. They are not insignificant amounts, but you have the financial ability to pay off. You could have paid off that one in a month and a half if you weren't going out to eat. You could pay off the first one in less than a month if you didn't go out to eat. yeah basic adult for 26 not 12 no matter how you look is that all the debt there's personal debt more personal loans or no to people to people to people to who to who possibly why uh very wait you're multiple people like five oh for oh for why over the well all right number one who's it to uh oh person number one i still owe four hundred dollars for a transmission i bought like four years ago who uh a now kind of former friend in Tennessee I was I intend to what do you mean was and intend to why I paid half of it off it was$800 and then I stopped why'd you stop and why are they a former friend uh well I mean because they're mad at me for the debt but they lent it to you they're mad that you didn't pay it yeah because you're an irresponsible prick who's being selfish about the money that you borrowed yeah uh-huh yeah reasonable I'd be upset too because that's not a what a friend does a friend can lend in fact i would prefer a friend gift i would have gifted but either way of course you don't pay me back that's a trust violation taco ocean violation violation his trust okay um okay i'm not surprised and it was for a transmission yeah for the being that you said you have a car debt i don't have a car debt i don't have a car debt your car's cash i got it for free what is it i was six civic it was my brothers oh how's it doing it needed a lot of work but i'm a mechanic so yeah yeah yeah i got funny to parts i put my paper about 500 bucks in parts four days of work now it's fine sure sure sure how many miles 197 how's her condition beat her uh how long you think she's gonna last hopefully a year or two okay okay i hope so because i don't know what you do i really don't without pulling on a retirement but i wouldn't want to do that or taking out i do okay for work I have a company truck.

52:44But you shouldn't be driving that for personal use. I can't use it for personal use. I can't. People never do. But yeah, don't. No, I'm strict about it. I do not want to lose this job. That's good. That's responsible. It's weird. You have a very mix of responsible ideas and ideals. And then you have the most irresponsible things I've ever seen in my life. And the most stupid things. Very confusing person. That's okay. Number two. 300 bucks to someone else for another car part. I forget. What car? Are these both this car? No, that was a Mercedes. Okay, so is this a friend? Yeah. Ex-friend again?

53:17Former. For f***ing why? Because of the debt again? Yeah. Why aren't you paying your f***ing friends? Huh? I just, I intended, I keep... Never lend this f***ing money. Not reliable. Yeah, probably don't lend me money. No, don't! Third is, I owe like$600 to another person that like, Let me finance an old Audi from him. Oh, wait, wait, how much? 600 bucks. Ay, ay, ay. It was like originally like... This is an ex-friend. Another ex-friend. I literally think I have one ex-friend in my life, and it was from sixth grade, being petty little sixth graders. I've never had ex-friends in my life, in like actual adulthood.

54:00How are you this much of a middle school child? This is embarrassing. What a joke. Okay, number three. No, four, sorry. What else is there? there's the six i think i still have 1600 for the bmw that i what the fuck it's all car stuff oh yeah another ex-friend oh you're disgusting you know this is just like everything just screams immaturity literal child behavior in this it really does it's all connecting do you not realize that are you embarrassed by this i would be embarrassed and i don't want people to get some embarrassment embarrassment but you should feel embarrassed and hopefully change that action to feel better and more mature in life okay what about number five uh the last one is to current friend actually for now 28 50 this one was when i'm like exes go through bosses yeah this one was when i moved back to texas and i how much is it again 28 50 for what uh you lent me money when i moved back to texas have you ever not borrowed anything for anything you've ever done is anything you've ever done not been debt i don't think so i don't think so you're the debt king you're the king of the debt yeah i grew up with it my mom had me paying like going in and paying her like uh pawn shop fees monthly fees when i was like 16 did you see that that was bad it was normalized to me okay at the time okay yeah payday loans title loans pawn shops yeah and you you did not take away through this late teens early 20s that that was bad it was normalized to you it got really normalized yeah okay yeah this is the first time i've seen it as for what i break that cycle yeah and unfortunately here's the reality of just the world we live in like i don't like the bull around i don't want to do that i wish i wish i wish stuff because you don't walk away with any benefit from the i wish you know so we re-roll this only you can change that cycle only you have the control over your numbers here and i hope you do because that sucks but if you ever have kids you do not want to continue that cycle to them that's not fair and you'd be irresponsible no actually you know it now and you have a wake-up call yeah yeah i don't want kids because of the way i grew up well talk to a therapist about that but yeah well yeah no no don't worry i'm seeing one 40 separate dollars in a checking account oh my oh this is spending like crazy we haven't had spending so far we just had insane debts by the way one two three four five six seven eight nine ten eleven twelve thirteen fourteen debts wonderful good job starbucks well we have 18 debt mod pizza a subscription torches door dashing we're really doing door dash come on dude you just got a car congratulations use it come on you're door dashing what the f*** mcdonald's amazon taco bell Whataburger, McDonald's, Zaxby's, Amtrak Amplified?

56:54Applied, applied. Oh, that's the vending ad. Oh, it's Airmark. Apple Bill, some kind of subscription you got in there. You probably got your grinder popping off. McDonald's, GameSups, Airmark. I keep saying Airmark. I keep thinking it's Amtrak for some reason. Okay, it's a vending machine,$7.99 and a vending machine? Well, it's not the event. It's like the break room for food. Stop. Pick a f***ing sandwich. You have a kitchen? Yeah. Beautiful. Do it. Okay. Amazon. Oh, the f***ing meal place. The meal place. Amazon. Kendall. Kendall. Meal. Meal. Then we know$540. That's rent. Better be. Yeah. Taco Bell.

57:43You're not going to be able to bottom after that. That was a joke. Making lots of assumptions then. Probably inappropriate and rude to make. You're good. Apple. Applebill. Taco Bell. Getting a meal. Amazon. Amazon. Men Menchies. You mentioned them some men? I've noticed. We did it again. I can't stop myself. I'm addicted. Kobe Steakhouse. Apple bill. What are you getting in apps? In apps. Apple bill. Apple bill. What are you doing? Probably what? Duolingo. I think there's a VPN in there. Stuff like that. DoorDash. You're DoorDash in 40 bucks. Come on. We have 18 % debt, but we're DoorDash in Amazon.

58:29Amazon. Freddo. Freddo. Summer moon. And I love the moon milk, but you can't afford this to save your life. More DoorDash. $35. It is really good. Microsoft. Microsoft. Huel. Amazon. Apple. Airmark. And I should probably look at the Amazon spending shit tonight because there's more Amazon and Taco Bell and Netflix. Jeez. Amazon, Amazon, Amazon. There's the getting food. Gamer Supps. I've heard of that. Isn't that most critical? Yeah, a few of them. I learned it from Shlat. Shat? J. Shlat. Another Twitch streamer, YouTuber person. Yeah. That sounded like a word. I was confused. Plume Heel. that's$99 what is plume heal no no that that's my um my health um it's a health thing for hormones hormone hormone's messed up it's hormone therapy what i take um estrogen oh are you are you trans are you transitioning yeah to female in the middle i used to be fully trans i'm confused i'm sorry i'm not as informed on this this is costing you$99 what do you mean you wait you oh wait have you gone from female to male no no no no no i'm sorry i'm confused i went to full hormone therapy for like years starting like 2019 and was going to transition to female um and then uh various life situations i i don't know felt pressured and insecure and i ended up stopping it for over a year.

1:00:07Okay. And completely just, especially with very blue-collar work, I kind of just, like, introduced myself as not that. Uh-huh. And, uh, went with that, and then I kind of got back onto it recently. So you're trying to do it again? Yes. What do you identify as? I've been calling you dude. Uh, non-binary. Are you, so you're trying to get to, uh, no, no, no. I'm sorry. It's not my expertise. I'm not uber informed. I'm trying to stay up to date. You're good. It's costing you$100 a month? Yeah. With insurance? It's not insurable. It's uninsurable? Yeah. Well, I'm sure some insurance, right? But maybe not your insurance.

1:00:52Not my insurance. Some insurance take it. It's very hard to insure stuff like that, especially in the South. Okay. So how long are we doing that for? That's permanent. it oh it's for the rest of your life yeah what does it do what does it do that covers like um my appointments and medical and prescriptions and stuff like that and it's the actual like physical like hormone that's why i look like i'm 12 really yeah i can de-age if i take hormones hormones yeah but you're i don't look young you'll i already have tits so yeah yeah you'll have other changes but yeah that's that's why i look like a twink as we've cured aging yeah just become a woman and you won't age again we already went over this 5600 in this retirement account of some kind uh yeah 401k through my through my work i'm surprised that it's down oh it's only down for a month wait this period okay what is the period because everything's kind of up for everyone so i'm a little curious that you're down so just for uh oh it looks like just for the month of October.

1:01:57Maybe it started, ended slightly down for October. Okay. Uh, and then$33 in this Roth IRA. So, Oh wait, two 42, whatever. Acorns. Okay. That's pretty much nothing. Yeah. But the retirement, that's a relatively decent start. What are you, are you contributing? Yeah. Yeah. On a monthly basis? Uh, 7%. Is that your match? No, my match is abysmal. What's your match? My bat, my match is 30 % of the first 5%. Only take that then only take that. No more. Okay. No more because, again, if you're getting 10 % return average up years, down years combined, S &P 500, let's just say, for example, you're paying 18 % in interest on all these debts.

1:02:33There's no point. Okay. So let's do the mathematical thing. You're getting a 30 % return on a dollar that you're putting in for the first few dollars, which is great. So take that. So drop it down to my match and I'll do that. Okay. There you go. Okay. It's a wild one, my friend. Wild one. Wild stories. Wild information. Wild life. I'm going to sit you down with a free financial advisor, Domain Money. You know, all throughout this conversation, I love setting up my guests with connections. Everyone in the audience also gets free sessions, the first free session with a real financial advisor that I personally use, actually.

1:03:06Okay. Like, she's pretty cool. But, you know, we'll do, you know, we'll get you your free session, okay? Same. Do that. Talk to them about all this and how it all fits in. What we're going to do is make, like, what a budget should look like for you. And after you go through the programs, actually put in the work, you're going to get your full detailed budget because there's always more in life than can be found in an hour and a half. But we're going to figure out what we relatively have. $4 ,000 is your account. Okay. What is your rent? $540. What utilities? I'd say you sent$100. $100. Is this$100 no matter what?

1:03:38It varies. I would say$150 just to be safe. Is that including the internet? Gas electric? Yeah, gas electric internet. It's split between four people. You have renter's insurance? Yes,$20. Good. A month? Yes. Gas, vroom, vroom, drive, drive? Not much, I'd say. let's put$100 a month just to be safe. Car insurance? Cars and motorcycles $3.85. What I would honestly do is sell both bikes use the money from both to pay off one of them and then let's just try to kill the other one. So how do I so how do I sell sorry how do I sell something that's underwater like that? We can borrow the difference. And you can pay it off.

1:04:16Can I borrow the difference? Can you? $6.40 debt to income is probably bad. We can make progress on a couple of these things and that'll help. Yeah, because maybe if I could save up the difference. Well, we'll find out. We're going to go through it. What about 385? Oh, for all insurance. What about phone bill? 240. What? Are you calculating that as your payday phone loan? No, that's separate. What is this? Also, iPad with service and Apple Watch. Sell. Sell. Sell. Let me see. Oh, cool. Sell. Sell. 240 is insane. Buddy, if you didn't owe on this shit, we could get you over to Helium for 15 bucks a month, and you don't need better than that.

1:04:55T-Mobile Towers in Austin, you're fine. Are you kidding me? This is insane. Yeah. $2.40? That's insane. I do have to use the iPad at work, and it has to have service on it. Like, I need to. You have to buy your own work equipment, and you're not a contractor? No. Then what? I just have a lot of downtime. Then you don't need it. You mean you just have it for your entertainment. and use your phone you already have. Okay, sell it, please. Sell it, please. Sell it, please. Like, it's payment. Yeah, you're going to try to... You're going to... Okay. Who's it through? Verizon. Talk to them, see if you can return it and take it off of the overall balance.

1:05:35Then we're going to pay off the rest as quick as we can. I'll put it$240 for now, but you need to do that. That's a ridiculous payment. Are you kidding me? That's stupid. It's half your rent. Groceries,$300. It's all you need to survive. Follow your plan and our budgeting program to get to your needs. $100 for TP fun,$150 if you continue that medication, I guess. Ah, that was$200. That was$100. Ah,$100 for TP fun. I'll put$100 for medical. Anything else on the medical side? Therapy,$70 a month. That's not bad. Yeah,$35 copay twice a month. How much? What else? Health-wise, I think that's it. Pets?

1:06:08No. Good. No subscriptions. We're canceling them all. They're stupid. You're done. We got our debt. Buddy, you've ended up in such a bad position for your age. what actually changes after this conversation to you what actually changes i might be able to oh you might oh my come on what that's stupid don't do that come on what i can see actually how bad it is i i didn't think about it until now and what do you mean i don't know i pushed it to the back of my mind i mean because all of it every single little thing yeah every time you took on a new debt as well because that was so like generational debt is such a big thing in my life i never even thought about it at all i get it but you've also self-confessed that you've tried to borrow more money and you haven't been able to so why was that not a oh i can't borrow any money anymore because i'm so i guess i thought it i'd just pay it off and then borrow later but you haven't been so what are you talking about yeah okay well it's actually going to change i'm That left me with very little confidence.

1:07:11Your debt payments, by the way,$1 ,311.21. Okay. Most expensive category by far. Go ahead. Continue. What's actually going to change? Come on.

1:07:28I'm going to listen. Because obviously I don't know. Please take the classes. Yeah. I will take the classes. Yes. Yeah, that is... Consider it done. And when you come onto the financial audit follow-up channel, I better see Real Park. Let's talk about milestones where I want to see you. You have an extra$683.79 on a monthly basis because in order to survive, you need$3 ,316.21. You have$4 ,000 that hits your account. Okay. Because extras can go towards paying off debts quicker. Yeah. Not collections. We let it sit. Do you have a minimum fee payment to your friend that's a current friend? Not right now.

1:08:09I should live with him. Oh, great. So for the debt that's sitting there, what,$26 ,368, that's a current interest and that is bad debt, isn't collections, isn't owed to a friend, with the money you have left over, we're going to call it$650 to be more conservative, still takes 40 months to pay all that off. That takes about three years and a quarter. That's too much to only pay off half of your debt in terms of how many categories exist, That's not total number. What I need you to do is you need to start grinding on your days off. I need to see an extra minimum$500 comes in, preferably extra$1 ,000 come in net.

1:08:44You need to speed this up. Extra$500, you should be able to get that down to about a year and a half to two years, probably closer to two years. Bring in an extra$1 ,000. I think we can get that closer to a year and a half, a year and a quarter. And that is easily doable. Easily? Yeah. Everything's easier said than done. But three and a half years, we're starting to struggle there because then we still have to talk about collections. We still have to talk about your friends that you owe, that you should morally pay. Then at that point, we're still one year from needing to have about 65 in retirement.

1:09:11So it's like, you got to speed this up. You up by making a lot of bad decisions and putting it off. You've put it off. Now we are where we are. You have to play some catch up. You play some catch up by eating some for a while. That's okay. Eat some for a couple of years. If you eat for two years, bring an extra thousand dollars a month net by grinding on your weeks off, which is every other week. you can pay off your funds and collections and all those other loans which are stupid the loans you could pay them all off i bet in two years and a quarter all of that then get a fully funded emergency fund let's call it two years and three quarters you have a six month emergency fund so you never get you can get a phone you can get a car you can get whatever you need when an emergency happens no more medical you know collections that stuff doesn't happen no more apartment debt that stuff doesn't happen because you have a fully funded emergency fund because you actually put sacrifices in.

1:09:58Is this making sense? Yes. Yeah. So, gosh. Really, there's no milestone in terms of a follow-up plan, because follow-up, I usually like to have people on in, like, three to six months. So, three to six months, you know, I want to see a couple of the debts gone, maybe the AT &T personal loan. I want to see that, okay? Okay. I can do that. That's the start. Let me come on and we assess progress, assess spending, assess debt. Okay. That's where you'll be. use the resources we connected you with you spent over your budget zero out of ten debt you have collections zero out of ten emergency fund you don't have anything in savings zero out of ten retirement you do have something you're definitely behind to get to your goal but three out of ten there real estate zero out of ten so it has to be hammer financial score rounded up barely made it hammer financial score rounded up one out of ten guys make sure to join us in the post show.

1:10:52It's an extra 20 minutes and that's where we get a little more delinquity. That's where things are. There's extra stuff that I don't know about that they know that didn't organically come up and we're going to talk about it with the producers. And also there's extra financial audits and tens of thousands of hours of extra content if you join Hammer Elite and it helps support this channel. I'll see you guys in the post show. You are going to allow your financial situation to get worse. Yes. Yeah. Well, I've lost all f***ing hope. Do you know how bad your brother's finances are absolutely f***ed.

1:11:23Owes an ex-friend $1 ,600. And Osa's current friend and roommate $2 ,850. $3 ,000 owed to a past apartment that is kicked out after your dad f***ed someone that was 22. I don't actually know that much. To watch the Financial Audit post show, click the join button below.