Broke Loser Is Mad I Won’t Hire Him | Financial Audit
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To watch episode of financial order a week earlier. Check us out on youtube. How are you doing .

your thirty six?

What doing? I can't work. why?

I don't art driving license .

as you probably deserve for driving without a license.

I asked if you guys .

we're having how many times .

a rest once in the five years. I probably every last three .

or four a week, and you're not getting in the job.

Hi, my name is soyer. I'm thirty six. From we go texas, and this is financial on IT.

Thanks for coming down. awesome. What do you do up there for a living?

And wao, I come down here in door dish.

Austin, yeah. Well, hot way. How far would drive is IT from wako .

our thirty years .

to eat into the whatever in a little profit for making a door at a with me and its gas IT means.

you know, IT paid to play, I guess. Oh.

okay. A lot of pay to play things typically lose money is usually what paid to play is kind of known for these. That is, I don't know this surface I want to started using, okay what are we making? How how much door dash we doing?

Um I usually work two four shifts like saturday, sunday like so sixteen hours do you do in .

monday of your friday? Wait you're thirty six. What are you're .

doing that that's .

what i'm doing.

i'm.

But you just said you were too full just saturday, sunday. Okay, walked me through monday. Oh, how much daughter are are you doing in a week?

Um mostly just the sixteen hours in Austin. But like if IT picks up in wako, i'll pick up a couple hours here and there.

Okay, what are the side hustles .

that used to some I do adventure reselling um I fixed cars for people. Do you like some handy man stuff?

How frequent is all .

this really? People called me for self all the time.

How much money do you make in a week, immediate week?

I have averaged out um like two weeks ago. I want to say I made probably six or seven hundred dollars.

Doing two cars was considered a good week or bad week.

I say that was a good week.

Oh, that's just from the car thing. You don't know total how much do you make in a week? Usually .

total between four, seven hundred dollars across .

everything .

yeah give or take .

and that is before expenses, right? Are you doing that post gas, maintain insurance, car payment? And even I .

haven't really factor in a that in lately.

Lately, what do you mean? But that is not how you determine if you're making a losing money on door cash. A .

moto, the car situation being complicated. So I go on, so my car broke down, my new car and IT twenty one new sounds.

Okay, how did he break down?

Transmission is completely coke and seemingly warrant he was like that have stolen. So we're not covering IT. okay.

So took IT to the dealership to see if they could do anything. And they're like seven thousand dollars to fix a car that's worth eleven thousand years. I was like.

now how are you doing dash .

girlfriends car that I picked out for her.

a girlfriends car? yeah. Can I make fun of you for second? Normally i'm not like a make fun of kind of person, but can I make one of you for second? Come on, no.

career. Rain wearing gear. Z epic blaster battle. And you got a girlfriend, was my girlfriend.

Where's my girlfriend? Guys, what do I do wrong here? How I failed this game? O, i'm done making for you.

I mean, maybe you should show about his a big boaster battle.

Okay, that will we meet them?

I mean.

are you going to wing man me a jerod epic class? P, absolutely. We OK thank you.

OK, okay. Uh, so you drive a car. yeah. okay. cool. And is that how live is dating? And we just had our two year version no good really nice. Um is IT how does he get around when you'd do like how does he get around SHE had .

on him so her car broke down um and I told her IT wasn't worth fixing her parents sagas donated a vento her and we are trying to sell the van and got this car for her but I ended up needing .

to use the car the .

car that i'm using. Yeah, nineteen ninety nine in honor.

V okay, okay. How many miles on .

the thing I want to say two hundred .

and fifty thousand OK. 我 how much you think came in and the in the most recent months in your statements， most recent month? Yeah yeah.

In the most recent months across everything. This is coming through cells and meta and cash up and chain and a bank transfers, paypal, apple cash door, dh payout and payroll. actually. So what do you think came in?

Um I want to see twelve hundred books. Okay, so this where IT gets a little confusing.

where this is going to a be an interesting up. So i'm excited to dive in of these like letterman, excited to just wait to this mass. Technically, what we think potentially came in was five thousand three hundred six seven.

What's confusing is it's a lot of anthem transfer answers, uh, like jack tried to sort throw a lot of IT, but a lot of that also could moving around accounts. We don't know what's necessarily moving around, what's coming in fresh. You know, it's a little hard in time.

You know, know, know who you knows the payroll. Confusing, you say, don't have a job. So this was a man. Obviously, I want to get in these finances and start waiting through, but a lot of people are probably wondering, and i'm also very curious, where has our career ban like what is going on in your life of career?

So um I went to school for automotive of madness technology. Oh, OK, it's kind of where my background is. yeah. So most of the jobs that I am qualified for, I can't work.

I why? I don't want .

the driver's license.

Oh, you wait. But technician, you need license for that. I didn't think about that.

That makes no sense. I get IT, so have a license. Okay, so let's get .

you you a license, okay?

Let's do IT OK need .

ten thousand years.

What's a few talking about?

I have to pay off about ten thousand thousand .

six six for one. And when you shoot someone to heart at jazz, epic blaster battle.

no, I got shot to heart at a big at that.

What are these .

locations for? No license, no insurance, no registration from when I was a broke college kid.

And this is, how does they haven't I? Have you now faced more? We reperfusion for not pain what you oh .

I have um that's the thing. So every time you get stopped with no license, they add a suspension of the.

as you probably deserve for driving without a license. And what would IT, of course, at the beginning, if you just doubt with like twenty .

five thousand dollars and I paid fifteen, oh my.

is that are .

completely gone now in couple .

twenty five thousand years old? yes. But so what exactly happened to mount up to that.

like I said, is just you get one ticket and every they add a suspension every time .

at the beginning, how much would have just cost the first, first time?

Oh, I mean, whatever insurance and you go.

why don't we do that?

I didn't .

have .

a job .

or find A B within .

hours .

a day. Okay, that's a lot. But also, I mean, life things happened at a certain point. I'm not I said like everything that i'm about to say here uh and the next minute it's gona be a lot if you are said and done. But when life happens, you know everyone is around, may be we have to take a pause from school because, I mean, where you in we go. Yes.

that was a bailer. I know I went to a technical college, awesome. And I want there for a place to live OK.

Well, this is an other reason then, because you can get a place to live by working a job if you're not going to school fifteen hours a week.

I mean, you're not wrong. No, I didn't know. I didn't have any resources. I didn't know anything. I just got dropped out there.

Mean, just got dropped out there.

So I turned eighteen and Foster care and they drop off in wao. I didn't .

know anybody in wako where were you?

Ah I was in west little city like twenty miles north there and we .

go they just like but they they took me in .

a van and drop me off like at the like health and human services officer said, good luck.

That's hard. Yes, that's hard, man. I'm sorry. So my god .

didn't even have like my idea or transcript or anything and .

that seems pretty that seems like some negligence on their .

part yeah I mean, that's the faster care system.

I mean, to not have your idea with you.

yeah, I mean, I had to even graduate at high school at the time. I still had like half a semester left.

Okay, did you end up completing that?

I had to take a year off from high school to get my parent scripts. And I am fine information o but then I enrolled myself and graduated yes.

I did. I'm sure everyone's bright out there has connected this I did in now my producers like kill you're stupid and i'm like, you know what you're not wrong. How the can you driving in tour dash .

right now um so I use other people's accounts.

but you drive without .

a license yeah that's why you somebody .

else this account oh my so you just I mean, you going na get a rest at right at some point subway.

they're to be done with your i'd got arrested a couple weeks ago and .

on the way home and it's .

just another addition to the money that I know.

I mean, doesn't that become some breaking though where the judgment is? Like you're obviously just come in around. I think we need to take you off the streets.

It's traffic code so they can do anything more travel. Yeah no.

Traffics won't add up eventually to any .

kind of IT is in hat to our classroom. But like because it's traffic, could they can do anything beyond that? If I was like criminal code, then I could actually get like get jail.

prison. You know, the crazy thing is sometimes that feels like our laws and are very, very strict for what seems like kind of minor things. But then in this case, like you're like actually like dangerous in certain ways and very much breaks in the law and makes sense that you should honestly probably be punished like actually a little more.

I mean, it's costing me a lot of money.

so kind of not paying IT.

I'm also not making any money.

Yeah, you're not making any money. okay. So the first thing that absolutely sucks, absolutely sympathy with them, I get that and they definitely failed you in some areas.

Have you say I was in there knows there were just your side boat. Okay, now we'll take your word for that sucks. And then you had to figure out your way on your own from meeting.

Now there is a lot of time. It's been about two decades since then. Starting from additional vans position makes IT a lot harder. I know for a fact.

I understand that maybe you started school that time in order to get a place of your head, because you found that to be a reasonable thing. I can connect those dots. Okay, that makes sense.

What I start not like, you know, is if you have a little fine, as you have to pay off for your first traffic thing before I started a mountain, or twenty five thousand hours, whatever, IT would have been okay to take some time off school, pay for an apartment for a year, work, work for a year, you know, pay off that minor fine, pay off for a living expenses, maybe even save up a little bit money. What you drop in fries, most likely. And but that out of an fine and cash? No, there there will comes a certain point where I totally understand the background.

And in that sucks and we can sympathize with IT. Are we going to use that forever? Does that to find the rest of of your life forever immediately? Because that is just like, where does this conversation go at that point, right?

I mean, I feel like i've been trying to make changes sense.

okay. Well, you're kind of from the sounds of IT, I don't know necessary know about numbers wise is financially but life wise pretty much the worst on this show that I talk to accept. Or maybe someone knows we had a addicted, a substance and another substance besides that.

Now I addicted to a substance, are you? No, okay. But hey.

so will put .

your number .

three o but I don't live in my parents at least.

No.

you probably really on your girlfriend. No, I make more than jeos by .

a lot confusions .

ly illegally.

Are you making money?

I mean, I guess that I do a lot of reselling street farmers part time.

I guess what do you sign? Was people still need to do that?

what? It's legal here.

but they grow like in half the buildings and off and you could just going to buy IT. They're just like I hope this doesn't x doesn't accidentally catch on fire and you inhale. There's like weird loops no whatever. Okay how much you make from that?

Um about one hundred and eighty dollars for outs.

Okay, how what else is do you sell? How often I know .

about one every two weeks? Like i'm not like a big like dealer something I well.

that's what i'm trying to see. We're going to keep your income we have once the can shaps made, pay apple cash one more in. So you know, who knows what's from one? okay. And then you're live in situation.

You live with her by myself.

okay? What's your live in conditions? Like, what do you live in situation?

Like my house is barely livable.

Would you ask my .

gold what I mean? It's cheap. So as they there.

no, what's barely livable? I mean, I want to know .

more information here. Whenever we had the .

big freeze like whatever years ago.

no, the first one I think was a little bit longer, like twenty six .

was four years ago. Okay, four .

years pipe.

okay. So the land order to take the pipes?

No, I won't. I i've been trying to get IT done for since then.

Tk.

promotion on Susan, he's A A real state later. So seemingly he knows all the loops already.

He probably knows what can escape by and know that he would be expensive process I anyone have .

been like a month to month, this thing they don't do.

even doing months a month for over four years there.

Um so I did move for like nine months in twenty twenty two. I don't know. I know i'd hardly sleep there.

What do you sleep?

I'm so what are you? I been my all my time at. Girl.

cool. So let's cut the least and right?

I can't. I have it's a month .

to month you can her .

least is about and SHE can't afford IT.

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And for the i've been trying to convince her to do that .

and SHE doesn't want to be near.

you know, she's afraid of change, kay. Well.

something is going to change, right? Because he can afford her place.

I keep telling you that, but that that's her does not mean.

what are you guys? You have animals at her house.

SHE has three cats. I have three cats. I have two dogs.

是 the police month， wonderful OK. There is an animal over. Honestly, I would have that same.

I would have like two dogs, two cats and two cowers if I could. okay. So what's barely livable about your place?

Like so, uh, so there's basically no running water like I IT works, but I have to turn that off to not flood the house or .

under the house what .

all the water like supply yeah like all .

the pipes in both reins. Talk to that.

I ve had A C working since twenty eighteen. Um they did send somebody out to look at IT, but he was like, i'm too fat to call under there and he needs too much work, I feel and then he never came back OK.

Well, I don't think it's a legal requirement .

requirement. Yeah I would assume .

that gets the in the house. Okay, what else?

I mean, so those are really the big things like .

the house of shower.

Yes, like I said, I at her house like every day because SHE.

So why don't we can see a she's because .

I have too many animals and too.

which that once at least done.

then in two weeks.

what's happening in two weeks, her least in now I know what's happening. I don't know SHE doesn't know you guys.

I ve tried adult children.

I am so confused.

I ve tried to talk into moving with me .

was SHE dropped off and like where you build dropped off at .

a cult like I don't know what she's doing. SHE has been SHE spent fourteen years at walmart and still makes less than twenty dollars an hour. okay. And there's .

nothing wrong with that, but you're talking about IT like a bad thing, are you? So if that's the case, well, if that's the career track that you don't want to be with.

why are you guys together? We're trying to help each other be Better.

this more of a dependency thing than an actual enjoyment of each other.

I don't think so. We're both pretty independent.

Do you guys .

enjoy each other most of the time?

Okay, I oh my god, so much here. okay. Was going to be an interesting one, right? Where do you think you are your finance score? They're been the worst, tend be the best one point five.

kay.

if you want to him and financial courts free link and description below, you want to apply to be on the show as well. Go to kill him at our supply. You live in an unlivable place.

Feel free to come. Tell me about are am, are am capital one savior, savior from sowing bounces and huge. Do you pay taxes?

Yes, I file my tax return every year .

correctly.

I hope so. Also, isn't IT saver not save your there's no eye.

No, you're right now. You sir, on the aren't saving anything. Three hundred thirty four hours and forty six cents, twenty five thousand minimum payment.

Okay, you made more than the minimum, but you know Better because you immediately put even more than what you pay towards IT on IT the purchases. And then there is interest six hundred or six one cents. I mean, the credit limit only five hundred or so.

It's not like you can't even like go that high. Thank goodness. I don't think you should be able to. All of the cake is based on.

The chaos of your money come in and not knowing how much when he comes in, you live in situation. Just every part of this conversation of heart would suggest to me that you really shouldn't have access to a credit card. You don't seem like someone who can manage to her, and that is a bad thing. Like who cares? You don't need to I don't care if you get cash back or don't, but this doesn't seem like something that's benefit you are helping you in any way.

When I was working full time, I had all.

and when .

was that last A A year ago, I blamed .

in his license, which has been gone forever. So what were you doing?

I was working for a pharmaceutical.

I want to do that.

Um they refuse to give me a promotion, and I didn't want to stay with the company that .

was not going to .

let me how you making seventy.

lars and I agree relatively to do that in fight for yourself. absolutely. But I have something lined up the tray able to go to in order to use that as leverage.

I was making more door dashing than I was for my weekly page.

Er yeah illegally. A little smart. What's a little smile?

It's not legal to drive .

without a license, stupid of certain. I mean, listen.

I know you ended .

up of completing high school. You know that driving without a license is I?

No, no, yes. But i'm making legal money.

Not really. So we are breaking a lot to do IT. I don't know that equate still legal money you're selling to necessary ue.

So is IT now? Uh.

legally we're talking legal, right?

Okay, fair enough.

So so why are you pretty much on a card in the end regardless less of all that, that you aren't paint off, and that's Green interest edge usually .

because I don't have the cash .

you eating right now.

not right now.

Okay.

yeah. So my money is very spirit tic as as you probably saw. So a lot of times I put stuff on a carden pay IT off .

when I actually get money, you are not paid card, even looks like I paid .

off all my cards like less than a year ago.

I don't give A A year guy I care about right now.

Why do I care about a year ago? You can say I don't know .

how to pay years ago is A.

I ll think you that back.

Okay, wo matic?

Ally, okay, same.

yeah. What I don't care. What are you, guy, I know. What is that? How you gonna base everything off of?

No, but my income is spirit.

S I like I pay. yeah. May be we need a stable income. Go job back.

They won't hire me.

I want to be surprised, uh, I asked if .

you guys are hiring kay.

Would you ask and .

ask me now is my first time thing you okay? Would you ask? I ask the nice lady in the first in the front.

okay. And what you say.

he said you guys had at least one opening last he saw linz.

you're very pleasant. You're not the job 啊。 Note, oh, for a friend of years or for me.

I need a job more OK. Yeah.

I don't think you're able to commute here. reliable?

Yes, I am.

No, you're not on my okay. It's a producer job. I don't think that makes sense.

I have an I T background. I do I T that's great. That's what and I do production .

for no like a creative producer. Someone ah I .

look into IT.

you look into IT and if if .

I feel qualified, you'll get an application.

But the jobs went out for a couple weeks. We probably close in and out soon. We have a few candidates, okay, whatever they went inside, the girl share got a little as little ceases.

Uber, yeah you should probably only be doing that. And the brand, the brand, can, can. D brand.

yes, because, because I break my phone all the time.

get a protection case. Doesn't be A D brand, one d brand. expensive.

I didn't pay. Well, love.

M, K, B, H, D. Doesn't need.

you need to find more money. I didn't pay for my last d brand .

order what you steal IT off of someone.

They shipped IT and then they refunded IT.

What cause you did you claim? IT wasn't there? No.

they claimed, but never got.

They clam, got lucky. Either way, I don't again, I don't care if you got a free one and still spend money on one. And why are you replacing something .

that obviously didn't work? I got around around the highway. Why the police left at on top of the .

car when I got arrested. That's how many times have you been arrested .

once in the last five years, I want to say. But prior to that, I was like probably every like three .

or four weeks having you called into dave M. C. I think my producer told me that before twice. And did you get on? Yes, what do you ask him?

IT was trying to figure how to fix .

my car .

situation. Did you say? Um the loney said, sell the car .

and hung up and dave said.

I don't know how to help you refer you to this church in Austin and they emailed me one time and never heard back from them.

Are these clips live?

I have no idea. Haven't looked.

You haven't looked.

They didn't give me anything useful. There is nothing to look at.

You didn't want to go back to the corner like I would. okay? I wanted to listen because who .

knows if I find .

that out to you? OK, uh, so he referred you to a church. Yeah, yeah. Don't only said sell the car.

Sell the cars, the obvious answer, but you have to have the negative equity to do that so well.

no. I mean, if we were talking about paying off the full bouncer, but IT does help you get closer, guys, for a few weeks only my new debt master classes, thirty five percent off pus, the first five hundred that sign up will get access to a private live stream where I break down how I got out of every single set of bad, and how I now use good debt to my advantage. We still have a few pods available, so get in now.

I'll answer all of your questions there as well. In this that program, we don't just focus on paying down that. I'll you had to use that to reach your life, how to negotiate your death and Frankly, negotiate any type of payment with anyone also over how to curb those psychological and overspending issues that keep you from living your dream wife.

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Cars go now. So no longer mean I got repossess like too.

Is this, I feel like, is just one of those like russian toys. You just open one, then there was another one that you get. Opens is an end less thing.

What are we going to discover? How many people have you murdered? But what we're going to find at the end of this thing?

Look, I have statistically avoided felonious my entire life, so I think i've done alright.

statistically. You mean by the amount of illegal things you have done, you have been convicted the least among the times that you should have?

No, most people from my background have some kind of real criminal OK. I get.

just have I, I get that I think so. I'm curious about that. Now again, I want to be very clear, especially the audience, because they not here have this conversation so little different online. And that is just a person very much sympathy with the background of where you came from a couple times.

Now, of course, we've brought IT up in terms of different things and and then going to be proud of the not being a felon, I guess, but almost feels like, you know, I don't want you to be a weight that is this whole city. I don't want IT be eighty you make a mistake and you say, well, I was a faster kid like there's a certain point right where it's like or we victim for ever or do we try to pick ourselves up and got there? Doesn't make IT harder, absolutely, especially at eighteen, of course, almost two decades ago later.

Now doesn't mean that that doesn't make IT harder still. You have less people to rely N I can lean on my parents. I absolutely have to.

You do not have that luxury. So there are harder things. But are we forever victimized in in ourself, or are we trying to make the absolute best?

That's why i'm here.

I'm trying to find someone, call them a day toys OK.

They was pretty useless.

I don't want have the call. I don't know. Q V C, oh, I mean no offense, but if I connect with race forces and anything like that um and you don't change your situation and the second to be my fall.

I mean, i'm not going to blame you. I was a blaming day so connecting me with one church .

I don't know. Again, I haven't had. Uh, Q V C, Q V C.

yes.

what?

I got refunded. good. My girlfriend wanted us a fitbit and that wanted pay for the one that he got because that kept breaking. So I found her one for cheap.

How do you find her?

Um we went high school together .

and the last six months .

of IT yeah and I lived with her um after I left college the first time when I was bouncing between coaches or no IT .

was before bounce .

on you and eventually like, okay very .

recently glad .

to hear that .

you anyone that question .

is about which .

gas station 喂喂， do you have conversations with your girl end?

Sometimes i'm being .

told you're nonverbal with her as and he doesn't speak to her that doesn't know.

I don't have conversations.

I guess i'm confused on what the word verbal means. Usually that means I am conversations. How are we talking to someone to being non? Am I being non verb to you?

No, but I had a conversation with your team before I got here. Be a text message.

Okay, okay OK, okay, so, okay, okay. So you guys do not talk with tongue, correct? But we send at each other and we click, click clock.

yeah. And so yeah. Is he not a talker?

No, i'm not a talker. I, yes, I I don't know you.

Okay, so I see you to knows someone. You can talk to .

them if I met you not talking that I can talk to you really?

yeah. And you might have not talking. yes. So you can not say our ward. Nope, I am probably need to .

see a psychologist, but that's expensive .

ther's sure this community resources and no, i'm sure you are formed for, uh, you qualify for the earth care exchange plans. It's four people that basically don't make any money. You basically don't make any money.

I mean, my tax returns says I make money.

Um yeah, I mean, we could probably get you to see someone that was a month, man, at least that would probably be good for me. You say x, i'm just picking. No, no, no, no, no. No jokes, bad. No jokes. No jokes.

I like jokes, but my life.

my minds going to interpret ate places with with this text. Do you text to speech? How do you text to that? You're going.

oh, I mean, I yeah, but yeah haven't like, I was like mute from like second grade until like I turned probably I graduate a high school.

When you're getting there, do you text O M W and an auto cracks to on my way exhibition point?

I mean, that's any time I take O M W, but I I hate O M W.

Sorry, I am not make a funny his situation and let you feel little boys.

sometimes I just need a lot of anxiety medication.

but we don't for sure, don't know sure.

just talk to sycom gio when I saw them as a child. Sure.

there are different kinds. I have a pank to our minds, untreated by medication, and would need to be treated by actually just coming over phobia things.

Okay, that's part of what I am here.

The stake of IT. Was this a big step? yeah. Like.

good job, man. That I know. Like, I don't talk to them, so like them seeing me talk on video.

maybe everything.

Yeah, what the only part that made me anxious about being here?

What's like your friend situation in life?

Friends, what do you mean?

Yeah, what do you like? France groups from?

They are suck. Um there are a bunch of people that i've like, i've financially ordered at them and like got them from like a four hundred two .

or seven got their .

life together. But I don't know how to do IT for myself.

okay?

First, gin alter watch.

First of all, why? Yeah, why do you have that? You don't need that. It's stupid. He has the stupid, expensive.

Got a really .

good deal on IT. I just have .

the stand of still. Yeah, I met cause this once, not black. They just came out the black one. But I don't want to pay retail. Yeah, you don't .

have money. You only have that. okay. And seeking that that lets continue month auto statement, was this this one to go get report? yes. okay. So what's the baLance? You know, now.

M, S, I would have to do, which I might think is like.

twenty three thousand.

No, after rebel, they had, like a eight hundred dollar fee for picking IT up, and then, like five hundred dollar fee for paying.

But we got, have they got in rid of IT? Have they .

liquidated the essay?

They said they will on the OK.

And I want to the early days.

but it's so the cars, yes.

like it's worth eleven thousand running and driving and IT needs seven thousand dollars in repairs.

So this might a few thousand. I good net of this maybe so we're going to say for now, I mean, it's reported at twenty two thousand six hundred two dollars and sixty accents but the thing yeah yeah your late fees and past two, past two is one thousand four hundred three dollars I stop paying .

IT IT was sitting in the shop because I knew they we're going na x well.

you're not entitled to them fixing IT necessarily. If the warty listen, there may be fine print right like okay but but they're not really the ones getting hurt. Yeah absorb the easy. You're the one getting now of the son. You don't even have the ability to fix this if if you want to do when you're good at cars you you get fix IT.

I could not get the translation for a less than five thousand dollars right?

Okay so five thousand um what he knows Better than ten thousand amErica but how much we are in to the our car, who knows but either way you know you you're taking away the choices from you and then this your credit yes.

So there's the i'm planning to pay IT off. I just like didn't make sense to keep paying .

no no cause that's the stupid. You may as well least have IT if you're onna pay IT off it's .

a long ornament what I couldn't do anything with .

yeah but with five thousand you could of i'm not saying that that was the smart move anyway, but you've taken away all options for yourself now was just gone and you all wanted .

and that's IT yes. But now I have a extra eleven hundred .

dollars per month.

Was how much a cost was hundred a month. My payment was in like four ninety.

Curious about olympic or we go away, but not sure if your insurance cover that. well. Say goodbye to waiting rooms in paperwork.

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That's R O dot code slash Caleb. Seriously IT just takes a few minutes what and call my me. I bought IT during .

the chip shortage, so I was like the only car in the lot because R I had that was paid off.

Get an older car.

They didn't have anything like different.

Come to Austin.

There's lots everybody b uber you .

talking about are you going to get Austin? Yeah, it's an hour or way, but you could get .

here and have any money. I walk, the reason I want to a deal.

we could have got you twenty five box to get on a .

greytown didn't know you guys back then?

No, no, no. You could have got twenty five dollars to get on a greyhound.

I was about to lose my house. I didn't have anything.

No, I know. But that's easier than making a housing payment. Do you just give up like likes? Listen, listen, things are someone hard to bit? You, you, you kind of sound like that person on twitter where it's like I see IT endlessly.

If just people say that it's impossible, it's impossible. There is done. There are done. And then I guardie, if we look at the statement, I know we are he saw so much, both went on that create card. So just very like I guarantee I went through the statements, i'll see them.

We can get create if we can find solutions, you just give in twenty five dollars, make a break your life. So this is like at that point, what is the point of this? If you able to, if you just give up like that, things are hard. Everything is that we can talk about, and only like an hour and a half or so is always going to be easier said than done. But done is possible still.

But can we go to, like, how I got to this car?

How do you get to this car?

So I was, that's when I moved them away from this cheap house, and I was living about forty minutes away.

You're back in the cheap house now you went.

I I never got rid of the cheap house my x mate was paying for while I was gone.

Okay, have a room made at this.

He's in jail now, and I don't think he's getting out.

What do you do .

a injury to a child as his charge but he he was on product and .

somehow that after injury .

to a child, I don't know the details, but he he's gone for a while.

Okay, sorry.

go on. So I was living like forty minutes away in temple um and I was commuting to work, go for work in my car, blew up on the highway, why I don't .

have checked oil. You had your cooling in all the world. My girlfriend x .

girlfriend um I bought that car from her SHE didn't believe in changing the oil.

You know how to .

yes but like he had no maintenance prior to my ownership ah how long .

you honor before I blew up like a year and a half and where you're checking on is yes okay.

but if IT was already worn out when I got IT, but that .

blew up 的， see that I was worn out.

I mean, IT was running fine, but you know.

I thought you were good at this stuff.

I mean, yeah, but i'm not going to take an engine apart in my driveway if I don't .

have to listen. When you have the ability and a prevent you from in the situation of a car, look at the engine.

But yes, so I went a month without a car after I told that one to my job to make sure I showed up from my shift. And I was like, I I don't have a reliable way to make money. So I want to the dealership and took what I could find, one deal ship. I, no, I had started out at a dealership in Austin. They were gonna me a use car for the same Prices that .

no one IT was a hard time that was a very hard time in the car market. yes.

How long did we spend looking? Uh.

probably weak there. And I know it's hard to be without one, especially in a my .

job was forty miles away.

Exactly um so I get I get the urgency. But yes, if we are in like the worst car availability time and like since cars were invented in the united states and you forced yourself to do with within a week .

that I was really hoping you .

said you had a job. He said you had no money you could have if you had a job, I know you could have got uber or bust your way through mobile lion .

transfers the they don't have buses that run from I can't .

speak for out there.

but I know you could have yeah, here is a lot easier yeah.

I I can't think that, but you could have a word. If you are making money from the job, you could I would do the job. You would have had to cut back some morals. But again, not everything is impossible like you're suggesting.

But that was gig work. So I was only like two weeks.

Good one marker eight hundred, twenty seven thousand and forty five, thirty three elements of the payment you given up. Oh, like, what am I doing here? You ask, what are you doing here? What I doing here, I think you give up, you're done. You're done with life, aren't you?

No, I was done with that car. Without the car, I can pay .

this off easy. No, it's okay. Y to be a little of the feet, but you just seem like you're done.

I mean, that the car did make me just .

the car and talking about everything.

but the car is the issue.

Okay, made big payment, put them again on the card that screw in twenty four dollars and ninety cents of interest. You went to purchase five hundred eighty three dollars. So I really don't get the point.

I don't have any money how we can get oh, OK guys, we're got a solid drive there. We're going to have an x box x box game um yeah and in apple and that purchases awesome subscription water burger, water burger, samsung, tropical smoothly. More experts what you get I couldn't tell you.

I have no idea.

You could not tell which you got for sixty .

four dollars x box at when .

was IT september, october in between september, october?

Maybe some D, L, C.

I honestly don't know. Six, to see what is happening. I have not playing. This is our store space storage .

yeah my my storage unit .

why you have a house?

It's I don't have enough space for the stuff. Plus i'm trying to make room for my girlfriend and stuff.

Yes, still yes. She's going to move with you. I'm trying to the unbelievable .

place you know we're trying to get one of the other units .

you want to run from this guy. No.

but it's cheap and IT would help us both save.

I think it's cheap for a reason yeah .

in this month, the month. So we don't .

have any like I get IT is just like whether or not I can have running water.

that's just not come, but all the ones that they would like fixed habit for now. So I feel like we could. Stick IT out for a year, save some money.

They get into somewhere that doesn't suck. Then another subscription.

Why do you want?

Oh.

you have two. I'd have two phones. good.

You are such a beast. Why you have two phones?

ExcEllent question. I, I don't have a good answer for that.

What you use the other one four to keep up .

with the technology because I what what do you have?

What are the phones do .

you have as twenty four alter?

And I one is IT for the selling on the street.

No, i'd have different phone numbers for that course, but same phones.

Okay, I don't cell one, cancel the service.

You can't afford that. I was planning to someone today after good and .

then switch the heating figure other one of fifteen dollars a month.

Why I want IT. No, I have A A business plan and I have a bunch of people on IT cancel .

and them I don't care. You're trying to survive. You don't running water.

I don't care. But i'm getting .

a really good what you really good .

and what's your .

portion after S O K. I guess we could say five box, but sounded biggest maker break, but the other people don't pay.

Yeah, but I got rid of the .

people I know, but other people can also and still not pay. You're right. You not a credit or person. You don't want to use you as credit cards. I want to build to build your credit scores. So you can still use a card like a face card that's like a debit card that reports of the credit euro still so benefits you. You can get benefits and helps your credit. So use something like the fish card you can not use a capital one walmart card you can but you just spending on both anyway that this is help the new suspect payment and a band field pat, uh, you have pendentives on all year a million pets.

It's not insurance just like .

do you have pendentives my question? okay. So what happens to when a pet get sick?

Guess what? I had my b my job.

I had IT here. You don't know, so do not OK. So what happens? You let an animal die, then you shouldn't .

have them all I do.

It's not fair to them. You're not a reliable caretaker can afford, guess what? My dog, a little pair. That's your name pair. Great parenting is apparently that I was talking to.

SHE also has when they love to just put things in their mouth yeah and just decide that they no longer would want to be a because a little piece of this big, this big, no idea didn't see that happen. Who knows? Guy could turn away for two seconds.

So I throw away every broken toys, whatever, in testing that to go into twice in the surgery for me to keep alive. IT costs thirty two thousand dollars over the course of multiple weeks for me to keep her alive and give the chance to be able to live a long life. And Lucy, she's doing well now.

And hopefully SHE, you know, lives or like another decade or so. That's great. Petersons saved my hap tens of thousands of dollars.

You wouldn't be able to keep a pet alive because you can afford something like a twenty thousand or a month peinture ance. And that is not fair to them. You can afford the Better food, the food that is good for that.

They get good food there, like a hundred and something only a month per per animal.

Yeah okay, we can probably for pendant son.

you're probably, I have the band pill.

Tell me now.

what doesn't that cover?

Most of the emergency surgery now there is like an emergency. I see if there was an emergency. That's what is so expensive. The routine path is are really not the worst. If you have to take a man because they ate something you found in the moment they do a little thing that makes them throw up, that's something worthy there. But if you have to go on for the an emergency surgery, yes.

that would you up absolutely most of five .

hundred dollars a month for pet food is what you're going.

What like that doesn't make sense for they .

do they eat Better than .

I do look like he's .

been any pretty gun.

I got all the facts from from your lobby.

Okay, kind appliance. What are we appliance in? What appliance do you have? All just a matter right now.

That's from my room. They want to jail.

What did? Okay, why why do I have .

IT in front of me? He didn't any credit.

So I try to tell you right now that so bad never do again.

Ah, I learned that lesson. People, dollars .

for what? For money you lend them or for credit you .

took out on the behalf rent, uh, credit I took out on their behalf of what was this a wash, your dry? Well, he was living there, and I was living in the other city because I took my refrigerator in my washing and dryer.

You own the refrigerator in your rental.

He sold IT for like two hundred dollars IT was like a two thousand refrigerator that .

the lord orm there.

you know, the refrigerant, the landlord, I was like, the door is falling off, but I can't use IT .

do see if you can talk to someone. Probe one on man.

I don't know how to find anybody .

like I have google other to posting redit. I've talked to the bailer post on next door poston reddit do go to a one place and other people that no moon .

to one of those. Is this a about that?

Because I don't have that. I'm lucky enough .

where but you you know people I don't know.

a proponent lawyer in wao who wants to fight a landlord. I have a lawyer. I have many lawyers for different things.

Do you have one for that?

I don't. And I don't have one. Or do provo now as far as I know.

oh, that's my issue too.

I like I exactly. So go to the one place and ask if anyone else that's a long time read IT next or facebook, whatever IT is, I will.

I will do my best well, that that's the thing .

that's the thing with this conversation, is if you never try to actually do something.

it'll never happen. But I have tried a couple times what like we went to court.

okay, and and everything.

they just kind of brush IT off.

What what do you mean that that's .

let's do anything.

What happened? Tell me what .

happened like the judge basically is said, like there not there is no violations.

The fridge, I know of the pipe, the pipe. Okay, well, let me see. Like you can find anything on this. I don't know. I'm a landor's.

It's mostly in this, then I tip top, I feel like it's a requirement, like have all of that stuff. Fc, like I can even use the shower there because like you can see the ground through the floor like I would fall through is a hazard.

Sim, okay, thirty thousand nine hundred forty eight for this many collections is twenty twenty .

three very way at a business.

and twenty twenty two in taxi. And lots illegally require repair conditions in rental property that might materially affect the health and the safety of tenets. Schools, broken water pipes, as these can to issues like flooding, like a water supplier, potential heart health hazard.

However, to ensure the landlord responsibility, the tenant must notify the landlord and writing about the issue, have done that, okay, the landlord then has a reasonable time, typically seven days to just to repair, unless is the urgent situation requiring fast action, the lin lw fails, make necessary repairs after proper notice. Tennis have options such as terminating in the least, repairing the issue and deducting the calls from the rent. Oh, I could be interesting.

So I did .

like also in the landlord.

I did do some patch work on the pipe so that I can at least .

like do my laundry and duct .

from the I I um stop .

paying because then he's going to have to go to a court and get eviction notices. But that core, you will be able to plead your case and you might be in the right legal place again. I don't feel comfortable saying do that because you know like legally, whatever, i'm not the lawyer, but if you can just please give some a little advice because that actually might be the plan important that tenants sure that is current when requesting repair.

Was IT always i've never missed a red po.

And this is from the office of the atti general texas. All that information, you know, compacts. And I think so I think that probably has some standing agreed.

I just need to figure out how to let go about IT. Well.

and again, if you don't do IT, they will never happen. Create one is usually good sign. Basically the word you can get.

yeah, great.

What do you have? A close? What close? IT close 就是 call close。

What that hurt my credit more.

Can you create? What's your credit? zero. What's your credit?

I don't know. After three, four, I haven't look at.

do you get a car on your phones? One of your two phones? Yes.

open I T1个。 You guys had my credit.

Peer.

you're supposed .

to no hold on. Look, they want you to look look a little look OK.

I'm looking .

and also there's uh they sent me like problem or texas state work slash's oranienburg slash mission dash wao dash legal dash services.

I'm not member.

of course, now we're going to send you that link, but it's a link we can get connected of. Do IT please. But again, this requires him actually doing a whether not, well, I don't know, getting finished protein bar.

I was like, i'm trying to I don't want to eat into the microphone. This is my lunch today.

Open up to. Well, he does the credit one we are sitting at fc three box. Okay, minimum of paint. The minium payment is thirty. But fees, of course, and interest a lots of fees this year so far in lots of interest in in thirty percent.

Great, great, great, great, great. Do you want to look at this or d just want me to tell you, just tell me a trade union is five sixty nine, equifax is five two.

Better than I think IT is. But I also I don't give you don't have a license to do a hard to help for things in general, of course, working with the same lander that you're going to rent from anyway. So you goes done a little really care.

Close this account. You're just getting fees at the boat, man. This is fees, fees, fees, fees, fees.

We can work on a created eventually. And I talked about the fish card you can do then start working on credit. The thing is okay.

I want you to go through our new deck class, go through our debt class. Are you willing to take a class if we give you free? absolutely.

Go through IT a few hours long. Go to the a talks. why? I'm going to give you ways to get out of this by the end of this, but in detail with you, go through the questions and everything, the best way for you to pay off your that, but the second hf is also the best way, is the utilized that like someone who's good with that, we help you learn what that are good in the best way to alias them.

And that are things that can positively affect your created, and that's when I will allow you to use created hearts again. So go through the deck class, go through the origin class in the investing class as well, of course, to go through the debt class, please. It's free, free. Thirty five percent all for you right now, but it's free for you.

Ah, i'll started as soon as I leave.

Please do the other thing in collections. What is this tools?

So I worked at a shot for a little while here.

Go and every dam time.

No, I was going into my career field. Yes.

I know in the little trucks showed up, right, the special little truck which shows up ice cream. Man for man, oh yeah.

they offered me a ten thousand million line of credit. Yeah, I did not take IT good. But five .

thousand and twenty five, six that's just when an integrations .

when integrations .

a while ago.

twenty and fifty yeah OK. But I want to a Better job and I couldn't take my tool box with me why I didn't have a way too. I didn't have .

a car was that the tool box was like.

yeah, like to, O, K, yeah.

okay. I think we get a rest at a thirty five dollars in truck from home.

Deeper with what various license .

you write about that I think you're girlfriend, friend, you could have not verbally texted them.

I was in dating her at the time.

okay? You still had someone, a friend.

right?

Probably they're not to ask again if we don't put any action, anything, nothing I can come of. The solutions are always easy, said and done, but they're actually things to try and you didn't do them. So doesn't matter.

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It's probably not even .

all of the great hundred sixty two dollars and thirty eight cents with a thirty hour minimum payment, no purchase. Thank you. You made a decent payment to and no interest of crew to twenty nine percent. But that's not where the baLances your baLances being defer interest one hundred sixty box is currently being differing. If you don't pay IT off by last month.

i'm pretty sure paid all that off.

Paid is a gone. Pretty sure i'd .

have to do a check.

Okay, and cross IT off, and cross IT off. And okay, another thing I can give you, luckily I am able to get a lot of things, thinks the great partners. But go through course careers, a little assessment on the website, go through and IT connects you with the certification that you know they think is best for you based on the career you want to do different certifications to different things that can be in trades, that can be an accounting.

Do that. We can get that on a resume, help you find a job. We will give you go through the thing for free.

cool. I'll probably do accounting because I just signed up for school again, but i'm not doing .

student loans. how? how? What do you done?

I have a tuition waiver from being a Foster kid that I didn't know about when I first .

got them to school. Yeah, that's great.

Do you have IT? Yeah, I wish I would ever known that forty thousand dollars o of course.

Okay, regular paypal thirty box. Steve is even a bounced on here anymore.

Uh, probably not usually if it's less than one hundred box. I paid off in .

one payment, paypal out three sixty train and then fan home three sixty.

Training was by A, T.

A, B, C. I needed IT for that.

Won't got refunded. They I signed up for something that was supposed to be free and they never seen IT. They refunded IT.

I send everything you can send everythings state department.

federal credit union.

That's my savings account. And well, yeah and credit card yes, I just talking about that savings account and wonderful .

the west rest of has an eight hundred .

and thirty nine dollar baLance. I highly doubt that the interest is competent with the market in any way.

What's ever no but is Better than all the.

yes, I only take one here today instead of two. It's Better .

probably .

wonder all these central parking enforcement.

I got that one taken off that was here.

lots of a rally. He has a seventeen point two four percent interest.

Tell me.

variable body IT .

doesn't matter.

Even the point, I opened my broken age apple mom, okay, grey, I buy the S P. Five hundred best time hoping for all of years, down years to find best time hoping for. I tend to twelve. So when I was a wild point, whatever you're still getting the minimum monthly payment and what was .

IT thirty five books, I think.

and see if you know your numbers.

is IT on there.

Twenty five? I never .

make minimum payments.

Life and suspension. That is one thousand, three hundred and fifty four dollars.

I ve gotten probably twelve hundred of that dismissed in the last couple weeks.

Okay, so about nine .

thousand and give her take. So I am working on that. I had A A law office working on IT, but they went out of business and just left me on my own.

Okay, well.

they went out of business. I have yes, yeah.

but i'm sorry, that sucks. I don't think of business that is no longer and business is going to serve their customer.

Yeah, I just sucks like, you know, I got to figure out on my .

own or ink we're going to give you.

but that cost money.

I said the link were going to give you the proponent link.

O okay.

you think about .

OK silver. I just want my license.

Yeah, talk to them. And just five of government section. If you don't do anything, nothing's gona happen. Five hundred, fifty five dollars and fifty one sense. We put twenty five thousand and payment .

what we put our vacation on.

that my girlfriend are living in, how that's collapsed in. And we're talking about vacation you can pay for to get van. You got a vacation tone. No.

that was her idea. I don't give, say no, be human .

that can stand for themselves and advocate for themselves.

I said that for va, huh? I said, no fur anniversary.

good. Say no for catti y and next time as a river, wow has a building you can look at that was conquered once. How much .

was IT? I don't know the isn't the statement there I told see the spending .

IT was after that buds um I .

want to say this was probably like seven eight hundred box total. But like I said, she's paying most .

of IT most like how much you .

put towards IT, like at least three fifty I put on towards getting .

closer to a license. I E getting your life back on track.

I agree. I keep telling her.

oh, good, i'm glad you agree. Didn't really what checking this?

I don't know.

Look at them there in so our money every second of your life, this is my .

city bank, a checking out. That's where .

all my door ash when he goes.

yeah, I send my stuff to my main big.

That's again, how we don't know what is your money, what is not? What is transfer back and forth? What is your money? We don't know. Your movie, your money is to send throughout to all your accounts is confusing state department any bounds dollar like going, even though of course you oto them eight hundred thirty dollars tea mobile .

in a tea .

mobile account count, think four .

percent F T move the uh four percent on h on your checking baLance.

five hundred thousand dollars and not I think I got .

like five hundred books in there right now.

Okay, is making a dollar sixty cents .

on and that's free money.

IT is free money. Store card winning garson. B S.

Amazon starts step. Yeah, yeah, yeah. Ah the cloning.

the stuff i'm selling.

Oh, my good. What are we talking .

about like that?

I just on box and toy in the and russian doll toy, what like .

standing cups, collectible things, limited edition of what?

What do you talk king about? So what are you talking about? So like you going to need to explain this buds.

So like i'll get like a limited edition, gently cup like the halloween one. And then i'll resell IT from make like thirty forty dollars a cup. Why do I put that on a payment plan? I don't know. It's easier .

that way easier how that makes your minimum tired. What do you talk makes sense? But plus is that in risk because you could not pay that you get hit with penalty or interest. Um if I okay, a halloween cup, what's a halloween cup from standing .

cost like fifty books?

okay. And how are you resulting that?

Why is someone buying IT from you because you can't get on their sold out?

So some forty old White blond hair suburbs need to halloween. Stand one right before .

I came here, made fifty books on IT.

Okay, so Carrying out her standing. yeah. Proud of her. How do you do how many you buy a time like .

limit to per customer. So usually like .

so point like this, you can't be making more than like a couple hundred box a year.

a couple hundred bx a month.

They do a lot of drop in profit.

Yeah, they do a lot of drops is not just .

how do they coming to you .

where you've signed in at facebook marketplace? Mi, I was using ebay, but the fears too much.

I'm not if you can literally, in a fred cheat to me, prove that you are generally making profits. I am not against this. It's coming, but i'm not against that. I do take .

IT reselling to, huh? I do take IT reselling to you.

take IT reselling.

take IT reselling, take IT all like concert rescue and it's coming. I hate IT great .

but it's also risk.

Er yeah but yeah no is that one?

Ask consistent profiles.

I haven't made I haven't taken a loss yet. okay. I'm not necessarily.

I really think your time could be utilized in a Better wake. Abit IT could be making more money, doing the time and mental energy spending on to it's coming. But if you can prove with mathematics going to fight you on our will fight you on IT is making your minimum monthly payments even harder to manage and it's also adding more arrest because often you don't pay, then boom, you, if you can afford to get IT at the time, get IT go.

I will say that what I return, anything that I can't sell within the return period.

Okay, yeah, comes comes, come. I get IT you do you simmy but it's .

legal money.

IT is legal money. You're doing lots of illegal money, but that is legal money. I think it's probably be a waste of mental and or I think you could be making more money sometimes. I don't know though I don't have your data also, but either we just don't clarin.

that's what i'm begin OK and also no affer .

my assume yes I have .

after pay all sorry.

i'm sure you do don't but google payment all of the .

food purchases is because I can cook.

I ve started .

two fires with roman the packets ah and reheating pizza .

tell me how you have .

a fire with a one time all the water evaporated. Nobody ever tell me to go.

You don't have to talk at the .

water for IT to not go away. Well, now I have like a fear .

of like cooking in the kitchen. yes. And if you can, if you do afraid to boil your water because of anxiety, then that's when we need to talk to a professional.

I mean, i'm not afraid of boiling the water. I'm just afraid of burning the house down.

Stand next to IT and you've avoid IT. Look, watch IT romantic ten minutes. Max, three. Maybe it's three. You can stand there for three minutes.

but I was put, the pizza was in the microwave when I cut fire.

That was a metal in there.

No, no. I think I put, I think I put thirty minutes a set of three when I was reheating OK.

Then if four minute passes by and you're like ocean, it's been longer than three minutes. Stop IT.

I have my A, D, H, G is too bad. I don't. No, no.

no, no, no. I'm not going to allow you to do that one. A, H, C, I will absolve you to do for things.

I think you can set up timer on your phone and make sure that you look at water and a microwave. I'm not gone. Let you use that to not set up timer.

The microwave has a long timer.

Listen, I am talking about going forward, your smile, and this is a joke.

I wish I could cook.

Ah.

you did like .

a many t mobile op up.

I have asked people to teach.

shot up. You're joking through. Shut up, t mobile. Another standing thing, target proof putting. You know, I hang up on you too.

I get IT the longer do doesn't give up all joked him the joke that he can cook ha, i'm almost a forty year old who can take care of myself. I A little guys and so funny target target circle. O K, A wall of violas goodwill cash up amazon and done four dollars and whatever. That is one hundred dollars account.

I think what I think that's my weibo account. I got like two grand.

And there, cool. Take IT out. Take IT out and put IT touch your license that's the best investment you can make. Ran out if they amplify es your income dramatically without getting extra tickets and pulled over and do that I was going to connect you with uh um uh h financial advice from domain money as well. I was going to that say, I think you just treated as a joke, so I know you want to .

waste their time.

No, no, i'm done. We going to go to the budget, but i'm come on, man OK, I can cook food is so stupid at a time like so funny guys is is my horribile excuse Francis, like an adult commit. Minimum monthly payments eight hundred. Well, okay, but the cars come up, down and up paying on r not right now.

I'm focusing on like that stuff is occurring interest.

Okay, we're going to do one hundred thirty eight then. What's your branch?

Five .

ninety five utilities say.

Two hundred international, seventy.

no longer your insurance, right? No, no longer gas when i'm going to put in .

one hundred fifty thousand. And guess how I got here now how much .

I guess .

about sixty books for a week?

Well, i'm not onna advocate for you drive without a license body.

And I put two .

hundred forty dollars and then doing one hundred fifty box. T, P, find anything else you need to survive. Hundred box groceries.

Three hundred, because you're cooking like an adult. T, I will give up. You're GTA stand there.

You're gonna set a timer and are going to laughter bottle because the is joke pet food years and five hundred, you can still get a good pet food for cheaper. And now you have to get cream me the cup to be a good caretaker. Mean.

I don't have to buy pet food every month. I buy a big bags. So how .

often then was .

three hundred fifty box a month, fifty hundred and fifty a month for everything, for five pits?

Okay, i'll see if I can put two hundred dollars. And for Petersons will see medical code one.

I don't have insurance.

OK get insurance. Body, I don't .

have a job.

Oh, so need a job to have insurance. And how do you existed in society? I'm so confused. You little thought you needed a job to have health insurance?

No, but my doctor says i'm healthy. So one no we're .

not too ah this is so you can go you not mentally, although you can look at water. So I think I need you to see therapies and I think I need you to get how the joins. I'm going to put hundred fifty box in there may be that's what is after exchanges. I'm going to say hundred fifty box and i'm going to do an two hundred fifty box for there. We are going to call three hundred for medical okay.

OK .

phone bill. You said twenty because you're cancel in the other one and selling, right?

I mean, I can't cancel the plan.

But how much for phone .

twenty boxes by part.

love with the other one.

Everybody else pays their stuff.

What if the of their phone, your other phone.

everybody else pays for everything? I just got the twenty dollars for my phone.

You will sell the other phone. I'm trying .

to sell one today. Apple offered me five hundred dollars where you go in apple gift card.

Go to daddy tim apple, you'll give on that money. I mean, we should be able to live off for two thousand and four hundred sixty three dollars a month. That's what you need.

Well, having health insurance, getting therapy and taking care, pet insurance. And Matthew, we think you brought and more enough for that, we think you brought an enough for that. Do you pay for her currencies?

No, he doesn't even take her car insurance.

And i've been trying .

to converter.

I will listen the calls, but understand why they just sent you out on your own. I did not do in basic at all. Responsibility lies of the basics of life, the basics of life, cooking, roma and you you're not able to do the basics.

And if you're not able to do the basics, I can't get you to the financial basic of getting under that following of budget. I can't. I can't.

If you're not able to do literal humans survival basics, I can give you to a position of getting out of debt. I kind of understand how you didn't get help because you're not able to do the basics of literally being. A human being on this planets.

I have a budget when I have a study income of stuff.

Listen, man. You bring in three thousand hours a month after taxes now, including the collections or the charge of car, bring in an extra three thousand box of month or not, an extra bring in three thousand hours of months. Taxes, like all your dex suffered, the car and collections and uh, the license is paint off and five hundred and a half months.

Man, it's it's basic. You can do that, that simple. What I actually need you to do is I need to look. You need to look at the exchange at the moment you get home, you need to declare your correct information, see if you get health insurance, need you to talk to a thapa, maybe look at community resources if, see if you get something more affordable.

Follow the link that we're going to give you for the proponent, resources saving that you rent situation figured out and like the condition of the home and see if you can get maybe free rent for a while. At a minimum, I need you to do so. If you follow a button and bring as much as you, you should be fully debt free, except that car payment in the collections, but including the license and the created cards, you should be fully debt free and almost no time.

But that if you're actually responsible, do on your own, here's the thing. And this is what i've been sent in all conversation. You have the ability to do this.

This is literally months away from you if you actually do IT a month away. But those little things, like clicking the link, talking to the probe, ono, going to the exchanges website, requires you actually doing IT and you don't do anything. So this is relatively simple.

As far as as far as things actually tend to go on the show just requires you actually doing IT. And I am not confidence that you're going to do IT, uh, stick around for the post, you guys. And i'm sure there's even more to dig into.

We're going to have an actual twenty minutes of producers are onna come and they know much more about him. So make sure to join that link in the description below the hammer financial score. Spending a budget you technical didn't overspend, but we also don't know what was income is very confusing.

You spending money what you're smiling and you're laughing. great. Never got.

I'm done. Hammer phone score done. Let's go to the post, not verbal things. Curious, right? Yeah, you ever heard your place?

I think we've talked on the phone .

once or twice. Wa, that's what does he talk to you? Yes, how do you guys go on dates?

He talks and I D text .

and she's cool.

Don't talk about miley.

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