He's My Arch-Nemesis | Financial Audit
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Hi. Sorry, did I startle you? When you're used to hearing a certain type of commercial, something like this can, well, take you by surprise. That's kind of how it is with the Lexus RX, a vehicle that has continued to defy expectations for over 25 years. From the first luxury vehicle of its kind, to the first hybrid luxury vehicle, to the only plug-in hybrid worthy of the RX name, we understand you want more than the everyday SUV. And isn't being understood an amazing feeling?

Experience amazing at your Lexus dealer. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I hate that card. Why do you have it? It's a metal card. I wanted a metal card. Oh my gosh, you really are a f***ing creature. We've established you're not f***ing dumb, right? No. Are you clinically diagnosed dumb? We'll go with that. You quit your job after applying to be on the show. What, are you trying to be a cheeky little f***? You think this is going to land you a job somewhere? Yes.

that I'm not going to let you sit there. If you're going to be a little calm down and take this seriously. Hi, my name is Logan. I am 21 years old. I'm from Beaumont, Texas, and this is financial audit. Thanks for coming over from Beaumont. What do you do there for a living? Um, well now I'm,

Technically unemployed, I guess. I was working at a car dealership. I was selling cars. When did you become unemployed? People love it when unemployed people come on this show. I know. Okay. Well, I'm sorry that you're unemployed. Was this a...

Were you intentionally unemployed? Yes, I did quit my job. Okay, why? Because that's you. People are going to say, oh, you're not relatable. But you quit. I know. You quit. People are doing this all the time. But it's really because car sales is rough. I had to do some kind of shady stuff just to make quotas. What, you're sucking for cars? Well, you get jobs, you know. Oh, okay. But...

But really, I was like, I wasn't making a whole lot of money. Like, I know that sounds... Then you must have sucked at sales. I mean, I would sell in between like 10 to 12 cars a month. And then it just kind of dried up once I went on vacation that one time. And it just... Well, yeah, you usually don't sell cars when you're on vacation. Yeah, then my mindset was just like in vacation mode all the time. And I was just like... What's vacation mode?

I just wasn't ready to work. I mean, I wasn't ready just to go and like grind and grind. I just went a week in Hawaii. I was like, heck yeah, let's enjoy Hawaii. So for sake, man. Okay. And I get why some people are upset. Everyone's wrong. Like, it's just like, what can we do to pay off your debt now? Like what? I am. What is your situation? Like, are you making money? Yes, I am kind of doing odd jobs here and there. Okay. Applying for some jobs.

Well, why didn't you have a job lined up before you left? Mental health, honestly. 100% of it was mental health. What? I was working 70 hours a week. Okay, request less. It sells. You got to be there to sell cars.

And if you're not there, you're not selling cars. Okay. So where was the mental health then? What did it look like? Mental health was I was waking up every day at 6.30 in the morning going to work and I was getting home at 8 o'clock at night. I had no social life at all. I had no me time. It was honestly kind of driving a little bit of a stake between me and my girlfriend because we were...

never seen each other. I'd come home, eat dinner, talk about my day and complain. And she, so it sounds like you were more just very unhappy. I was extremely unhappy at that job, but this wasn't like a clinically diagnosed mental health. It was not. So you just, you, you hated your job. Yeah. I mean, which I totally vibe with. Okay. You hate your job, but then we're applying for jobs. Like it's crazy. And then, you know, and you're end up putting yourself in a bad situation where apparently you're addicted to going on vacation. Um,

and you continue to do that without making any money racking up debt and having to work odd jobs just to pay things off and now don't have a job did you have a fully funded emergency fund before you left

no what are we doing then i used it all man i was i was okay what were you using it for i'm paying bills i mean honestly i was i had i had a new wait before you left yeah before i left it because i wasn't making money you had a new car of course a car salesman had a new car yeah i mean that that was why you weren't making car sales that was kind of their gimmick was like hey man you should get a new job competition of who has the highest interest rate who has pretty much i actually i leased it so so you still have it i do i do

Wait, did someone talk you into this at the shop or did you get it yourself? It was, I say a mutual agreement, but it was, yeah, a mutual agreement. We'll go with that. We'll go with that. Somebody said, hey, you should get a new car because I was driving a 2011 Honda Accord. It was a great car. I miss it every single day now. But she was like, hey, your car is kind of a piece of shit. I was just brought aware.

I was chit-chatting with the producers over here, and I was like, hey, why do we have someone who's unemployed? We're not doing that anymore. People hate when people are unemployed. You quit your job after applying to be on the show, so you were employed when you applied. So this is moving quick. When did you leave?

Probably two days after I applied. When was that? I don't know your application date. Maybe three weeks ago. If you want to apply, calebherr.com. Don't leave your job before coming on, though. I would. 100%. What, are you trying to be a cheeky little f***er? You think this is going to land you a job somewhere? No, people are going to hate that. I'm not going to let you sit there if you're going to be a little c***. Okay. Calm down and take this seriously, little c***. So...

So now, I mean, after I got the car and everything, it was a Kia EV6. They said they gave me a great rate on it. They gave me tons of discounts and everything. Not too long ago, probably about two months ago, I went in and I looked at really what all discounts they did. And they f***ed me. Like car salesmen got car sold. Sold.

Were the top car salesmen selling? If you were in that 10 to 15, were you doing well when you were in the 10 to 15 range a month before you came back on vacation mode? I was doing probably four to six a month. Okay. It was commission. Was there a base pay? No. They had a draw. It was $1,500. And if you don't cover your draw, you're kicked rocks. Yeah, so like the legal minimum. Okay. Yeah.

Okay. What were the top guys doing? 20 to 22. And well, the reason why I got into it is because in my interview, they were like, hey, our top guys are making 300 grand a year.

And I was like, oh, hell yeah. Like, that sounds awesome. You think you would go in and become a top guy immediately? I mean, it shows how good you could be if you become a top guy. But if they tell you what a top guy is, do you think everyone sitting there is a top guy? The way that they made it seem is that they were like, hey, everybody who works here is over six figures in their first year. I know you don't have any experience doing this, but we should definitely get started.

You came with your friend. Is he a car dealer? No, he's not. He's a... Looks like a car dealer. He does kind of look like a car dealer. I just took a picture of him and we'll throw it in an episode if he allows us to. Looks like a car dealer to me. Well, he looked very happy there because he gave a thumbs up, but he looks like a car dealer. Okay. So what are you doing with these jobs right now, these little side jobs? What are you actually making? Because we need to have some kind of income for this to be a relevant conversation. I...

I've been doing like favor here and there. Okay. It's grocery delivery in Texas. Grocery delivery. I've been working odd jobs for friends and family. Well, what is that? Is that just like fixing things? Fixing things. I'm mowing lawns. So what are we making? That's not even close to sustainable. What are you making? I'm making probably like maybe four to 500 a week. Maybe. Like if I like...

try. So like, are you trying? Yeah. I mean, I'm out there, man. Okay. So you're making 500 a week then? Yeah. You said, if I try, are you trying? Yeah. I mean, I had to, I had to, you know, are you paying bills or are you relying on the girlfriend? I'm not relying completely on girlfriend, but she is helping me out in this, in this situation a lot. She understands where I'm coming from. Where are you coming from? You're not doing anything. Well, yeah, I'm trying. I mean,

I'm trying to sit here and I've applied for a few restaurant jobs down there. Oh, a few restaurant jobs. Yeah. I mean, there's a new sushi place that opened up. I love sushi. So I was like, yeah, I can't. Relying on a few restaurant job applications is not what gets us somewhere. Also, wait, but you're going to make less. What do you mean? How am I going to make less if I go and do a restaurant job? Yeah, likely. Then what you're making, your last payroll that hit was $4,675 for the month. Yeah.

You're probably going to make less than that. You're going to be making, what are you going to be a server tip minimum wage plus tips. Hopefully it probably. Okay. So you're still probably going to make less than that. Depending who knows what kind of restaurant it is. You're probably not going to get into one of those top restaurants where you're actually making a killing right away. Um,

I would hope we're trying to move at least laterally in the income scale. Maybe a brief dip while we try to move laterally while applying to other jobs. That $4,500 or so is not consistent at all. Yeah, welcome to sales. That was one month I sold 12 cars. Hours at restaurants aren't consistent. Hours at restaurants aren't consistent. Aren't consistent.

It depends. It depends. If they start seeing you slacking or anything, all of a sudden you notice, oh, why do I have five hours less this week? Why do I have two hours less this week? What's happening? Mm-hmm.

Quiet firing. I just need something that is paying the bills at this point. Are you paying the bills? I've put most of everything on credit cards. I mean, that's where I've gotten this amount from is, hey, I got to pay for stuff somehow. I got to put it on credit cards. What's your plan here, man? What was your plan? To figure out how I can...

No, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,

That was it? Yeah, I mean, that's how I got my jobs before, right? I just go put a couple in. I'm cool, you know. Why no... Are you lazy? Lazy? I mean... You seem like someone who just has nothing together. You couldn't even do, like, a plan. You had concepts of a plan. But that was pretty much it. Concepts, you know, dreams. I had dreams, you know. I still... What are you? What am I? I don't know. I want to be a world traveler. That's what I want to be.

No, that's what I want to be. What are we doing right now? What am I even supposed to do with that? You know that's not a thing. No, but that's... It's a thing for a very, very, very small percentage of people that are like bloggers or vloggers or... Maybe I can get into that. Oh, what? Can you please tell me, is that a serious sentence? Or are you saying that because there's a camera pointed at you? That's an actual serious sentence that you were saying. Well, no, but you said that's what I think I could actually do.

You think you could actually do that? Yeah, why not? Why not? Because it's probably a .001% chance of doing it. Yes, there's a chance. It's insanely small. Do we bet our future on that without having a consistent income that we're at least relying on while we're trying to achieve that? I've got time, right? Time? You're dead! Why'd you apply to come on the show? I need to know this right now. What the f*** is happening? What am I sitting in front of right now? The Pillsbury Dough F***.

I love that Panda Express, man. Can't say. At least I wear shirts that fit me even though I'm fatter. It's all right. It happens. What? What? What? Why'd you apply? Why'd you actually apply? Because you don't seem like a serious person at all. And by the way, these are people that are out there actually existing in the world. So person you're walking on in your evening walk that you pass by just like this. Welcome to my insanity.

Why are you here?

I'm here, you know, so I can get a plan together. I can start working towards that. No, no, no, no. So you can travel more, plan together? I can get a plan together with your delusion where you think that what you want to do is just immediately go into world traveling and you're applying to a couple restaurant jobs. I can't make a plan from that. I can't do anything from that. I can go through debt. I can make up a made-up budget based on what I hope your income is. That's nothing. Let you do it, or not do it.

I've got somewhat incomes here and there. I said, what, $450 a week or so? I mean, that can pay most of my bills there. What's your monthly bills? I know rent's like over $1,000. Your portion or total? Total. So you guys split it. Do you live together? We do. Okay, so $500. About $500. Okay. And then I've got about $530 a month. What was your spending last month?

Spending last month? Yeah. What was it? I don't know. $2,000 maybe? Okay. $4,279. So what the f*** are you talking about? What are you on? You're not living on the planet that we're living on. I'm sure most of that was necessities, right? I mean, I have a lot of... Okay. Are you actually f***ing stupid? No. Most of it was... No, no, no, no, no. Again, are you saying that because there's a camera pointed at you or are you f***ing dumb? No. You know that's not how this show works. Yeah, but... I don't want to be a c***.

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I mean, you spent $356 going out to eat, $454 on miscellaneous BS. The transportation about... Oh, gosh. Your car insurance. Whoa, what the... Car insurance is $614? EVs are expensive to insure. I have an EV. It's not even close to that. Young driver, state farm. State farm is high.

That's also including a life insurance policy that my agent said. If your car insurance and car payment is more than half of your current take home, you're applying to every job that exists in the entire town of Beaumont. It's not a couple of restaurant jobs. It is literally every job that exists in Beaumont, including being a corner walker for you to...

You need anything. Not actually that last one, to be very clear. Don't do that. Well, I was thinking about going back to school as well. Like going and get a certification. I know that certifications are really big right now. So I was thinking about going back there. Maybe a certification in like drafting or something. You might need to talk closer to Mike. You're very quiet. I do apologize. Your delusion is soft. Okay. Yeah, just certification. Certification. Yeah, and drafting. And drafting? Like computer drafting, like CAD. Okay. Yeah.

If Course Careers has one of those, we'll give it to you. Okay. I'm not sure about that one specifically. That's a tech stuff, and they're going into the trades as well. Okay. All right. I'm going to get into this money, but I'm just a little disappointed, man. I don't know. This sounds like I get that some people say it's not relatable, but talk to your brother-in-law at Thanksgiving, man. Let's see what it is.

I'm sorry. I need to not be so mean to you. What people just out there don't realize is this isn't just... It's not the camera. It's not the lights. We're just fucking talking. But you're just like... I don't know. You just seem like an unreal entity so far. And I just need to trust your realness and accept it and just...

Go with it. I'm sorry. It's a little weird for me. What does the future hold for business? Ask nine experts and you'll get 10 answers. Bull market, bear market, inflation rising. Who knows? If only someone would invent a crystal ball. But until then.

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at netsuite.com slash hammer. That's netsuite.com slash hammer. NetSuite is helping you stay ahead of whatever's coming next. And thanks to them for sponsoring today's episode. Now, let's get back into it. Okay, what would you think your finance score is? 10 being the absolute best you could ever get, 0 being the absolute worst? I'd probably give myself like a 3. Like a 3, solid 3. Okay. Yeah.

Mind you, just your car payment and car assurances. Over 50% of your pay. I got investments, though. So what's your Hammer Financial Score? Link in the description below. Do you? How much? About $5,600. Oh, okay. I tried to max out my Roth IRA. So you're trying to say that as your score. Okay. Yeah, maybe. For $21, that's not a bad start. Not by any means. Let's start with this Apple card.

I hate that card. Why do you have it? Because it was a metal card. It was a metal card and I wanted a metal card. Oh my gosh, you really are a f***ing preacher. I mean, I have to judge that. I'm sorry. Usually I sit here and just react to the finances instead of judging the person. But how do I not judge that? That's f***ing crazy. You're going to buy this pen because it's f***ing metal?

There you go. Why don't you go into debt for this? Oh, sorry. Kind of. I don't know. My emotions are weird right now. My dog's also going into surgery as we're speaking, so I am actually a little weird. Okay. It's okay. She just can't stop eating and then it gets a blockage. Now, it happened last year, too, and we were with the money guy. It's annoying. Okay. Expensive dog insurance. Okay. Okay. Okay. Okay. So...

Just because you had a wanted a metal car. That's fine. That's fine. Okay, cool But why'd you go into debt for it? And it's easier to tap whenever I tap I don't really think I'm spending all money because it's just like a take my phone out and tap kind of thing Like you do you get that way to every card is easy to tap Are you know but like what's on your phone so you don't have to pull out your wallet I've got like we can put every card in your wallet your digital wall. Oh, no, you can't no you can't

I thought it was just like the Apple products. That's interesting. No. No. Oh, man. Can you even delete Apple Wallet from your phone? I don't think so. You just can't have credit cards.

because it taps easy this is why we're in debt because it taps easy at that point we can't have credit cards to save our life we can't use other people's money to save our life we can't have any loans to save our life we can't do anything you're not capable if if because you're just like that's what gets you going like that's if if that is why we're in debt because then like

They made things so easy just to spend money these days. Like, just, oh, yeah, just tap twice and you're fine. What is it? What do I not like about him? Is it because he's, like, mono? Like, he's, like, flat. Something seems like something about you. And I don't want to be being just maybe because you're flat. It almost feels like nothing matters to you. But maybe it does. Maybe it's how you present yourself. But has anyone seen what I am seeing? No.

Are you seeing what I'm seeing? I need to know right now. What is happening? Sorry. Sorry. I'll try to make that the last time I bring it up. It just, it keeps f***ing me. They make it really easy. And that's, it's just like, what? Like, okay. Yeah. I mean, they do it. Like, it's so easy. It's like an ad pops up. Hey, buy this now. Just click twice. Why listen to the f***ing ad? Probably the same reason why I ended up buying a car.

I think I'm gullible. Just kind of marketing works really well on me. You think you're gullible? Yeah. Okay. So you recognize the flaw. Why not work on the flaw like an adult, like a relatively mature individual? I probably should grow up a little bit, shouldn't I? Like just a little bit. Oh, you. Okay. Yeah. $25 minimum payment, $477.38 balance.

Oh, it's all just... You're still... You're spending on this card. Well, why? The Callisters? Crumb? You kidding me? Inapt... Probably a little click-click Apple Pay. Wendy's? Why is this getting hair?

Wendy's, Cafe, another Apple thing. Click, click. Panda Express, going in and getting some BS. Getting a vending machine. Fantastic. Chipotle, going in and getting some BS. Subway, Apple Bill, going in and getting some BS. BS! Chapman Enterprises? What's that? Oh, that has to be like a little vending machine or something. You get it twice and it's the same price. It's a vending machine at work. Or at my old job. Crumble? Crumble?

Maybe I should put it in a vending machine so you guys have to pay for the drinks and I get to make money. No, I wouldn't do that. But maybe. Eagle on the way. What is that? Did Amazon a bald eagle to you? Eagle on the way? I don't even remember that one. Sounds like it's probably a place you stop at while driving and get some BS because you then did it again at Cruisin' Market. Starbucks store. Chapman Enterprises, the little vending machine. You love your $2.35 something.

What are you getting? A Dutch pepper. Great. And then you also got vending machine there and vending machine there. A pop shelf? It's like a little dollar store thing that sells like home goods. Do you have emotions? Yeah. Marshals. You're not going to like go Dahmer on us later, are you? Plan on it. Huh? No plan on it. That's a lot of work. Oh my gosh. Okay.

$512.08. Oh, that's your balance. 27% interest rate. $11.81 of interest accruing. Maybe Patrick Bateman, not Dahmer. Much better.

Hi. Sorry, did I startle you? When you're used to hearing a certain type of commercial, something like this can, well, take you by surprise. That's kind of how it is with the Lexus RX, a vehicle that has continued to defy expectations for over 25 years. From the first luxury vehicle of its kind, to the first hybrid luxury vehicle, to the only plug-in hybrid worthy of the RX name. We understand you want more than the everyday SUV, and isn't being understood an amazing feeling?

Experience amazing at your Lexus dealer. Blue cash. Preferred. I'd prefer if you weren't sitting in front of me. I do like that one because I get 6% back at grocery stores, and we do eat it out a lot, like you said before, at groceries. Okay, we've established you're not, like, literally dumb, right? No. Are you clinically diagnosed dumb? No. 6%? Who gives a f***? You're accruing $106 in interest. It's that much? Oh my gosh. Oh my gosh.

Okay. I don't look at that. So you've never looked? Okay. Then I take back the dumb. That's just ignorance, and that's okay. Ignorance is okay. Ignorance, we teach, we inform. That's a lot. Yeah, it's a lot. And you're 6%. I really thought you were okay. Okay, so you actually thought you were getting something from this. Well, it's clear you don't really understand this, and that is fine. You need to go through our new debt program.

You need to go through it. You'll get it for free for being on the show. But you need to clearly, because the fact that you just don't know how to utilize that, it goes over how to pay off debt in the most effective ways, but it also goes over how to utilize debt in the most effective ways. So it's a full debt package. And the fact that you don't even know to look at interest, you don't understand credit cards. And we go over the benefits of credit cards and how to completely f*** yourself, and you f***.

You didn't even know. So please go through that so you can just learn. You also get the budgeting and investing program. Go through all of them. Learn as much as you can. Suck in the information. Take the classes. Take the quizzes and everything. The fact that you just didn't even know and you thought 6%. Okay. So let's see. You purchased $1,490. Okay. Cool. So you got $89 from that if they were all the grocery stores, which they weren't. So it wasn't the full 89 in cash back.

I mean, that's pretty substantial cash back. Yeah, but it doesn't matter because you still lost $26, right? Yeah. Just about? Yeah, about. Yeah. Math was a little off, but you still did lose. And it wasn't that full amount because it wasn't all grocery stores. So $4,640.60 with a minimum repayment of $151.47. Yeah.

You paid more than the minimum, but it didn't matter. It wasn't even close because you purchased $1,490 with $106.13 accruing in interest. 16 years to pay off this takes doing the minimum monthly payment. 16 years. This is why we need to learn how to utilize debt because you don't. You're not a credit card person. You cannot take advantage of debt. Dude, even making your extra big, thick payment still takes three years to pay off.

And yes, well, you have insurance on here, so you're not getting that beautiful percent back. But then there's tons of H-E-B. You're addicted to going to H-E-B. You want that in your veins, H-E-B. It's like, have you? Okay. You're not trying to be silly, are you? You're trying to make jokes? No, no. Seriously, it's good stuff. Have you ever tried their sushi? I know it's not amazing, but H-E-B sushi is...

Almost every day I would get lunch there and get H-E-B-C. Every day? It was good. Well, I said it's good. Did I ask if it was good? Are you f***ing kidding me? What? I figured it was better than going out to fast food because at least it's a little bit healthier. Or maybe we pack a f***ing sandwich. You already spend a thousand hours a month on groceries. Maybe we can pack some lunch if we're spending...

$700 more than making meal prep yet. What? I don't like sandwiches all that much. Oh my, it's an example. Put something in a thermos, you dumb. Okay, fine. I never call people dumb. I never like insult people like this. I just get angry at their money, but that's... Oh, you. Oh man. Oh, I don't look good this episode. I'm sorry guys. But I can't help but just let raw motion go. But come on, you know I wasn't talking about a sandwich, you little...

Right? Yeah, yeah, yeah, yeah. You could do so much. So much for packing lunch. Hey, do you pack lunch? No, his friend doesn't pack lunch. Never mind. He actually works at H-E-B. Claire, what'd you pack for lunch today? Pesto pasta. That sounds pretty f***ing yummy. Maybe do that. Jake, what'd you pack for lunch? Oh, protein bar and apple slices. Lindsay. Well, okay. Pasta. Pasta, okay? Pasta. Pasta.

Do you pay your insurance in two payments throughout the month? That was a little bit different because it was an overlap period because one month had ended with the insurance policy ending. Have you ever cried or laughed or got angry or sad? No, I don't get that.

But Peggy Sue's ice cream and Netflix, we're not getting the 6% with that. And then you're a Spectrum Cable. Now, okay, you're saying all these H-E-B stops are you telling me they're sushi. So it's not even groceries. You're just getting lunch. Yes. So we put that towards the grocery budget, and we can't even do that. So it turns out you're going out to eat. It's likely going to be $500, $600 a month. Maybe. Yes. Yeah. Taking away from the groceries what we thought were groceries being sushi for lunch. Yeah. 30% interest.

Do you like to cook because you buy groceries? Yeah, I actually wanted to go to culinary school whenever I can. You seriously cannot put anything in a lunchbox that insulates the temperature? I could. Cook your favorite little thing. The person who's doing the graphics on this, his name is Salah. He also cooks. He cooks multiple times a day. It's one of his favorite things to do. So he brings in all these things. He handmade egg rolls and all this. You could do this. You could be having great lunches. If you love to cook, make good lunches. Bring them.

Okay, what is this? That is the personal loan I took out. Why'd you take out a personal loan, my dude? So back in February for my birthday, I went to Hawaii to see my best friend. Does he live there? He does. Yeah, he does live there. Okay. Did he move there? Yeah, he joined the military. Oh, okay. So me and him went out there. I brought my girlfriend as well. Did you pay for her? Yes. Oh, good. Okay.

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Can you tell me how much your girlfriend makes? I don't actually know. I don't ask her those questions. Okay, go on. So we went out there. Wait, a personal loan, not for a trip. Yeah. Well, no, not necessarily for a trip. I did a debt consolidation loan because I put everything on a credit card first, and then I put it on a personal loan. Oh, good. So I get the points out. You can't consolidate. Get the points. Have you spent on that credit card since? Yes.

Then shut, shut, shut, shut.

You negated it. You negated any progress. You didn't pay off debt. You just moved debt and then you racked up more debt because you had more access to a credit limit. Again, you're not a credit card person. You're not a debt person. You can't utilize debt. You don't know how to. It's uncontrollable for you. You put Hawaii on a credit card. Yeah, we went out there, had a great time, spent my entire birthday there. Did you cause the fire? No, there was actually an earthquake there while we happened. It was kind of scary. We had to evacuate.

I know you didn't feel fear. It was scary. Being on an island with nothing around you at all was terrifying.

But also I thought personal loans like don't like installment credit help your installment lines help your credit more, right? What's your credit score? It's like a 727. Is it really? Because I try to get I also try to get another loan to consolidate all my debt again. And? They said no. No shit. You don't. They said no. What was that? Are you trying again? Are you? Okay. Okay.

Oh my... Okay. Are you a little... Are you a child? Are you like an actual child? Like physically and emotionally? The way you act, man. Your little responses to things. Oh, I can't stop mentioning it. But I think they gave me a deal on that actually. So they were like half a point less than their normal rates. Oh, wow. Now it's only 10%. I thought it was like 9.5, right? It's 9.5? Or is it 10.5? 9.5.

not competing with the market in any way whatsoever so just losing money so $4,657 for this Hawaii thing and 9.5% what is the minimum monthly payment I believe it's $175 that's what I pay every month $175 man what do we do for the post show cause I don't want you to be here uh okay yikes yikes yikes yikes yikes yikes yikes yikes

Yikes. Yikes. Okay. All right. All that stupid is what was the balance you took out or the consolidation was. Imagine what's possible when learning doesn't get in the way of life. At Capella University, our game changing flex path learning format lets you set your own deadline so you can learn at a time and pace that works for you. It's an education you can tailor to your schedule. That means you don't have to put your life on hold to pursue your professional goals. It's a

Instead, enjoy learning your way and earning a degree without missing a beat. A different future is closer than you think with Capella University. Learn more at capella.edu. Total consolidation amount? 5,000. Are you going on any more trips still?

We usually take a trip to Houston about once a month. And me and her split that evenly there. Well, how far is the way to Houston from Beaumont? About two and a half hours. That's further than I thought. Do you guys just drive? Yeah, we just drive up there and stay the night. Why don't you first just do a day and then go back? It's a lot of driving. I don't care. Oh, you cannot. One drive there, one drive back. I guess we could start doing that. How often do you do this? At least once a month. And how much does it cost once a month, 12 times a year?

We probably spend about $750. You? You? About, yeah. Because we got to go out to eat. You spend $750. You? Not split? Why don't you split it? Does she not make money? $9,000 a year? You make $450 a week before setting aside any money for taxes, which I'm sure you'd... Oh, that is split. I mean, usually the hotel room is...

About $500. Oh, they're f***ing telling me you spent a few thousand dollars on a Houston trip just a couple months ago. That was for her birthday. You don't have money! You have bad debt! Did you have bad debt at the time? Did you take out the personal loan for the stupid f***ing stupid trip? I did. Okay, then no! A few thousand dollars? No! Why didn't you pay out the... It was her birthday. I mean, I...

What? Was it a magical birthday? What age did she turn? She turned 20. I turned 21. That's nothing. She turned 20. That's not even anything. 18. You're an adult. Woo. You can do a little more things. 20. 21. Okay. Yeah, you can drink. Woo. 20. It's nothing. Why spend a few thousand dollars? Who cares? I felt bad because we went to Hawaii for my birthday and I was like...

You should feel bad because you have a lot of debt that you're not taking care of in any kind of future of your relationship with her. You're putting on hold because you have bad debt. And if you guys got married, you'd only be holding her down. How would you feel bad about that? How would you feel bad about keeping her? Just stringing her along in life. How long have you guys been together? Almost three and a half years. Oh, there you go. You're stringing her.

You're not a f***ing birthday month person, right? That's my birthday month. No, I'm not. You seem like it. What about for her? Is it her birthday month, so it's time to f***? No, we just went all out for that weekend and had a good time. Yeah, thousands of dollars. It's expensive to travel, I know. To Houston, it's not that crazy. A two and a half hour drive. That's not travel. It's like a day trip.

That's not a thousands of dollars trip. What'd you guys do? We went. Oh, I don't even give a, I don't care. I don't care. I don't want you to relive those pleasantries in your mind. This debt is bad, man. And you're, you're prioritizing a 20 year old birthday over literally putting yourself in a financially sound position.

So that you guys can be together forever. In no way should she be attached to you marriage-wise while you're like this. Yet you don't care. You go on this little trip every month. A couple months ago, you spent multiple thousands because she turned 20. Big birthday. Woo. New things unlocked there.

Are you on any more trips planned for the future? We were thinking about going to New York. Are you thinking about it? Don't. Okay. I mean, it's, it's, it's Macy's a parade. I want to go see that. Oh, shut the fuck up. Are you going to, are you going to live until 25? Plan on it. Yeah. Yeah. Probably go then get out of debt, get a fully funded emergency fund. Yeah. Get retirement going. Cause it's going to be delayed here for a little bit.

And so you're going to have to re-catch up and then go. Be an adult. Adults go to the Macy parade. Now, thoughts, comments, concerns, potentially any emotion? We're travel people. We like to travel. I mean, that's our big thing. I'm a go eat a ton of...

insane food kind of person. I don't anymore because I, well, this last, these last like couple months down a few pounds. I'm happy. I don't do that because I don't want heart disease when I'm older. Okay. So that's me. That's what I am. I don't do it because it's not good for me. You're a travel person. You don't do it right now because it's not good for you. Why do I give a f**k?

if you're a travel person. That means nothing. You could be an Xbox person. That doesn't mean I'm saying go out and buy every game on the Xbox store right now. I'm not saying go and get an Elite Controller right now, because that's not good for

for you you could be a cannibal person i wouldn't encourage you to go eat human meat so don't give a if you're a blank person you don't have to do it if it's bad for you right now okay okay so you won't i i'm so you won't okay i won't travel will you actually no will you are you serious are you will you are you will you i once i get to a better position and i want to start traveling okay so you're not going to go to new york right now i will not go to you will not i will not go to new york good

okay your lease 48 month lease okay but on the extending side the the thing about this what kills me leasing is not the way to go no it is not but it's also 536 dollars a month man and you are baked in i am baked in my thought was well i'm really paying yeah go ahead my thought was is i'm gonna

I'm going to be paying a car note anyway. Might as well get a nicer car in that case. That's the way that they made it seem. You're going to have a car note anyway. You know the tricks. You work there. Why did you fall for the tricks? It sounded good. That doesn't make any sense. If I'm going to have a payment, I may as well have a more expensive payment. That's what you just said in a different way.

That's what you just said in a different way. You understand that, right? If I'm going to have a payment, I may as well have a more expensive payment. That is what you said in a slightly different way. You said if I'm going to have a car payment, I may as well have a nice car. You just said if I'm going to have a payment, I'm going to have a high payment. How does that make sense?

That doesn't make sense. I mean, the average car. I'm going to have a credit card balance. I may as well have $100,000 credit card balance. Today's sponsor is Exeter and their new Parliament wallet and new cardholder pro are the perfect upgrade for your wallet game. Now let's talk about why both wallets are crafted from premium materials with the cardholder pro made from recycled aluminum. No plastic inside. These wallets are designed to fit your life, holding up to 14 cards without any bulk.

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The average payment on a car right now is like $750. Are you seriously going to compare yourself to the average dumb who doesn't know how to budget? I thought I was doing good. I was like, I got- Well, you're not. It's, this is a quarter of your income and it would be doing well and you're still not. At that point, I was making the five grand a month. Whenever I got that, I got that three months in working there. So even still with an extended lease, you would want it to be 10% of your gross?

I figured I was going to be making more, like I said before. Why? For a job you hated? Or did you only start hating it in the last three days and decide to quit? If you already hated it, then that wouldn't have made any sense to do. I probably hated it in probably the past six months. What's the buyout? Buyout right now? Not that I would recommend it, but I just want to know what the buyout is. If I sell it to Carvana, it's right at, I believe, $13,000.

I can pay $13 to sell it to Carvana or I can buy it out. Or I can buy it out for $22. $22 plus the price of the remainder of the lease? It's valued at $27 right now. So with the price of the remainder of the lease in it, it's probably well above that.

But you can pay $13,000 to sell it and get out of the lease. I can pay $13,000, sell it, get out of the lease, walk away. But at that point, I was thinking about it. At that point, I would have had to pay about $26,000 in total because I put down $6,000. Oh, for f***'s sake. All this is with putting $6,000 down? Mm-hmm. Yee!

I traded in my car and then put down another $1,500. A 2023 Kia EV? Is this even a nice car? Did you drive it here? No, it won't make it this far. You have an EV. You know the mileage is not like that. Yeah, but a supercharger takes like two seconds. It takes two seconds. There's not a whole lot between here and...

Beaumont. Well, that's Beaumont's fault for being Beaumont. I have to drive three towns over to use a supercharger. Well, there you go. How many miles do you get on this? The highest I've had is 350. That's fully charged. Fully charged, zero to 100.

I'm going to look up pictures of this then because what the is this car? How is this so expensive? It's a compact SUV. I'm like, is this, is there any chance? No, what a creative name. EV6. Looks kind of cool. It's really cool. It has the fastest zero to 60 right now. What is it? SUV. For the GT, it's two and a half. For you? For me. For yours? Like four. It's not even. Okay. Then, I mean, mine beats that and I have an SUV. So. You have the Model Y? Yeah.

X. Also, the X plaids, I think, 2 to 2.5 seconds. So, I mean, that's just an inaccurate statement. But, yeah, it was a really nice card. You got your selling point. I got my selling point. It's a lie. Yeah. It always feels good to sell people when it's a lie. I think I tried to sell myself on it because I kept saying, all right, it was a good idea, Ethan. I kept telling myself that because I think I knew it wasn't a great idea when I did it.

I wouldn't have wanted you to lease this, but if this was your car payment at three years, I would have at least wanted you to make $6,500 a month. I thought that's where I was going because whenever I... But even still, it was leased, so you weren't like... Whenever I started working there, I sold a bunch of cars my first month. Everybody was hyping me up. And then month six happened, and month six was just...

Well, all markets have up and downs. So, I mean, it's you weather that. That's what happens in commission. That's what happens in owning a business. We have up, we have downs. I had major lifestyle inflation. It was complete lifestyle inflation. I went out, bought my new car. I was thinking about buying and going to see if my girlfriend wanted a new car too. I was like, we moved into a nicer apartment at that time as well. Right as I got the car, upped our rent, got into a nicer neighborhood.

Now that I'm being around you more and I'm realizing this is just your existence, I don't hate you as much. Actually, I don't hate you now. Good. I don't hate anyone. I don't dislike you. At first, I thought you were putting on a little show because I didn't have a chance to meet you before because I was on a phone call with the vet. So I thought you were just coming in here and being a cheeky little boy. I was like, what the fuck is this? But this is you. Okay, that's fine.

We'll get with them. Yeah, we need to think about this card situation at the end. That one is mine. I do know that. Capital One Quicksilver. Yes. That's my oldest card. It has no annual fee. That's not a reason why I keep it open. Keeping it open is fine, but why even hold a balance at $207 when it's accruing interest? There's a balance on it? Oh, you little...

There might be stuff like on autopay or something like that. What are you talking about? You got a $25 payment, but either way, you only made a $50 payment, so it's not on a full auto. It's not auto balance. You have a payment set to it. How do you not know this? That's a...

I know if I don't spend over X amount of money that I make per month, but whenever I was swiping cards, I was like, all right, I've got $4,000 to spend this month on everything. You would give yourself $4,000 on everything? On everything. Including rent? No. Is that including investing? Oh, for f***'s sake.

Okay, walk me through it. So I would say, all right, I got $4,000 this month. I've got to do this, this, and this this month. Plus, I also have to be able to, well, I don't have to pay for gas, which was nice, as well as I've got to be able to eat every day and at that time with sushi. So that's kind of where my mindset there was is I've got to be able to just stay below that $4,000. We should be all good. You started it wrong.

One reason why I think you're in this is because you started it with the incorrect money. When you start with, I have $4,000 to spend, you're not going to end up in a better position than where you are right now.

that's not how it works buddy we assign where every cent is going on a monthly basis by establishing what goals you have where do you want to get where do you want things to be uh how quickly do we want debt paid off what do we want for a retirement goal what is required to get the there what are the steps along the way what does our budget need to do to reflect that and then if our budget is not fitting that maybe it's an income thing at that point what do we need to fix around that to reflect that if we f***ed up looking at the past month we're like oh so what do we need to

fix in our current budget to reflect it. What do we need to adapt? That is what we're doing. But if we're starting the month with, I have $4,000 to spend.

And you're saying that after you're not even taking into account rent or investing or anything like that, are you taking into account the car bill? Yes. But even still, not taking into account rent and investing, this is a dangerous place to go. $4,000 to spend. I think a big thing was they gave me huge credit limits. Which is why then you are not a credit card person. If you do not know how to manage, you don't even know there's a balance on here that's accruing interest. And there's still auto charges probably happening.

No, a return to payment. I think you had a payment declined. A payment declined for pulling from your checking account. I didn't know about that. Genuinely, I don't ever check that card. You need to check all cards. Sit down on a monthly basis. Again, you're going to get this going through the budgeting program, so just please make sure to take that. Please promise me you'll go through it. Thank you. Oh, it's at 31.7%. 4% interest. That one was high. Capital One does have really high rates. Capital One be doing high rates.

Okay. Mileage plus United. That's the big one. Is it the big one? Oh, it is. I don't understand why you've allowed yourself to get into this position at 21. This is by 21.

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If you took a half a decade or a decade to accumulate this, it's not like I would excuse it or any means, but the fact that you've done this by 21 creates a pit in me. A lot of this has happened since January. Oh, for f***'s sake!

I opened two of these cards since January. What about this one? That one was in February. Oh, for f***ing Hawaii. What? For the Hawaii trip. Yeah, but that was already sent to the personal loans. How did it get all the way back up again? Because I used the personal loan to pay that off. No, no, no, no, I know. You used the personal loan to pay this off. How did it get all the way back up to $4,319.08 again? Because that was kind of like my daily spender. I would just use that. Oh, for f***ing. But why weren't you daily paying it off then?

I got paid once a month. I wasn't. No, no, no. That's an example. If you're daily spending on it, then why don't you pay it off because you're not daily spending on the debit card. So just apply that to this. Why was that not being done? Obviously not. Cause we racked up all the bills and accumulating $93 in interest. You're killing me. $269.

$269 of purchases on here. Why? Double your payment. Why? Why? It is accruing interest. Why? Is this still your daily spend? Your little daily spend? It is.

I was honestly waiting for that big payday again just to pay everything off. I need you to top up those credit cards. I need you to close the credit cards. I don't care if it hurts your credit because there is no credit in the credit system that you are taking advantage of that is helping you more than this is hurting you by you having access to it. You need to close it. You need to destroy it. You need to burn it. I don't give a how.

how it affects your credit score until you are ready and proven to be able to utilize this. Then we can talk about being a credit card person and building credit. Okay. I will for sure close that one down. No, I need you to close every card. All of them? Yeah, because you're going to take this behavior and apply it to another card. If you close one card, it just gets moved to another one. You've already proved that with the personal loan. This is what's going to happen. Without changing your behavior, and this will at least, if you can't control the behavior, this will at least prevent you from spending on debt, and you can only spend what is in your checking account.

You just need to do it from a behavior thing. I know. It sucks. It sucks. You can use a charge card like the Fizz card that will build credit. You can still do that, but it's only applying the money that you put on it. Oh.

So you can't spend more than that. You cannot have access to these credit limits. You can't. Yeah, they gave me, what was it, like $50,000 in credit limits there, I think. Across the board? I don't know. This one's $9,500, but $137 minimum monthly payment. These things are stacking, my boy, my dude, my guy. Oh, for f**k's sake. It's all bulls**t.

In some golf thing, checkers, donuts, donuts, donuts, Xbox Game Pass. Wow, I called it earlier. Schlotzky's, donuts, Raising Cane's, Japanese Sushi, donut, Raising Cane's, Schlotzky's. Game Pass twice? What the f*** is wrong with you? Are you, what are you? Do you have two different Game Pass accounts? What are you? Schlotzky's and donuts. What are we doing? I've got two different Xboxes, so I might have accidentally paid twice for them. F***, log into one account, you s***.

Just because you look like an Xbox avatar doesn't mean you should be spending it twice. And then the golf stuff, I remember that I had to take somebody out for golf for work because I sold them. I would buy them a round of golf. Well, that's fine then. And that one in the sales game, I get it. But the rest, come on, come on. I mean, there was like 15 others. Everything else was... Almost $400 in interest on this year alone. This card this year alone. And it's your lower interest credit card at 25%. Good death, man. Good death.

It kills me that you've done this by 21. It really does. I know I didn't really care for you very much there for a bit. Luckily, people can grow on me pretty quickly. But the fact that you've done this to yourself since 21. It's been nine months. Yeah. It's heartbreaking, man. You have so much life ahead of you. And you're limiting yourself so much. You have...

Chained some weights to you in a way that you don't even recognize yet. You don't because you haven't felt the full effects yet. Oh, for good sake. What is VGW gold coins via Trustly? What is this and why is it every single thing on your checking account? 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 on one page. What is it? So please. I play a lot of poker.

Oh, it's worse than I thought. I thought you were like buying gold or something. No, I play a lot of poker and that's online poker. That's online poker? It's online poker, which I play probably every night. Is he? No, it's one of my other co-workers I used to work with. He got me into the poker game. Okay. Never talk to that person again.

Okay. Yeah, then that's online poker. And then we also, I go out probably once a month and spend between $200 and $300. I'm going to punch you if you keep doing this, buddy. You can't do this to yourself. It's networking. That's the way I thought about it is networking. Is that the way you still think about it?

I think I'm kind of wasting a lot of money. Okay, good. I'm glad you figured it out. I'm not very good at poker, obviously. I don't know. I don't see any winnings. So what is this, a buy-in per game? Probably about three or four buy-ins per game. Ten bucks every time? Okay, well, you're throwing ten bucks in like every five seconds. So that's on the online stuff, but the in-person stuff is about $60 to $100 every game. How often do you win anything?

Not that it matters. You're going to stop. I need you to stop. I won $5 once. You say everything like it's a joke, but I believe you said that as like a genuine thing. Yeah, genuinely. I genuinely won $5 once. Okay. What's your addiction tendency around this?

To the best of your knowledge. Because this screams gambling. I think it's a vice. Whenever I was working long hours. What, are you telling me you don't do this anymore? I've slowed down. I slow down a lot. But it was a vice. And it was something I was like, either I can do this and go start drinking. I can start smoking cigarettes and cigarettes are gross. Why do you need something bad? I don't get this. Why do you need something that's bad for you? Go jerk off for a second and call it a day.

That's a lot, man. No, it doesn't have to be. Multiple times a day? No, I said just go do that once. Oh, just, okay. Call it a day. Have that be your vice. I don't know. Why do you need something bad? It was just something to let some steam off and it was... Go to...

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And trust me, this right now is stressful. I don't need something bad. I pet my dogs to feel happier.

I go on a walk. Why do you feel like it has to be something that's bad for you? I don't know. Like everybody I worked around was like smoking cigarettes. You work with scumbags. They're car salesmen. I don't give a fuck what the, why are those the people we're looking up to? You're looking at the degenerates of society. I was the youngest salesperson there. And so like, I just kind of puppy dogged around and I was just like, Oh, these are, this is how I become successful in life.

At a place I was working at before this, I was one of the younger ones and someone older than me f***ed the intern in his car in the parking lot. That doesn't mean I look up to him and start f***ing interns in parking lots. Like, I don't understand. That doesn't... Okay. Maybe you're very impressionable. Maybe you're very impressionable. I like to stand on my own, so maybe I just can't relate to that. But you're a f***ing man. Oh, yeah.

Oh, okay, okay, okay, okay, okay, okay, okay. So you pick gambling out of all the bad things. Okay, but you're like weaning off and it sounds like you're struggling to wean off. If you stop today, could you actually stop? If I stop today? You didn't do one. One, let's just be simple. On the math side, you cannot afford this. No, I can't. To be very clear. So I would say stop today. Can you stop today?

I think I could. Okay, then we have a problem if you cannot say yes. And at that case, you might need to do like a Gambler's Anonymous thing, man. And that's like beyond this conversation. So that's something you have to do on your own. And I highly recommend if you want, we could find some in your area and send them to you if that would help. But that's a push you have to take on your own. Just like fixing the behavior on that, but we can talk about that. But addiction, that's not my life. So finances, that's my life.

Okay. Yeah. I mean, I think getting out of that would be, you know, less expensive for sure. Yeah. Yeah. But especially in the long run, cause you're going to end up in something bad because people like you who can't stop end up in something bad. You don't see it yet. And that's the, my thoughts is like, at least I'm not going to Vegas and like getting caught up. I don't understand. I will never understand that just because, uh,

I don't look like Tammy on A Thousand Pound Sisters does not mean that I am in healthy condition. I don't... I will never understand that just because I'm not doing this thing that is objectively worse means this bad thing I'm doing is okay. I will never understand that. And so many people say that on the show. Be a f***ing adult. For f***s sake. It's just not everything...

I think everyone's just looking for a way to justify. Everyone's looking for a way to make things look good to them that they're doing. Most people don't want to accept that they're wrong. Yeah, but you're on the show, the show of accepting things that are wrong. Yeah, and having this conversation has really brought light to a lot of things. I'm just like, oh, shit. So, and I'm sorry I was mean to you at first. No, I... I hope you don't feel bad. My producers want me to hug you, but I don't want to touch you. So we're not doing that.

You don't want a hug? Nope. Okay. $10 in your savings account. I don't know. I know you more than I know him, and I don't want to hug you, so I'm not there yet. I'll rub knuckles. That's all I'm going to do. Phrasing. Once I get to know people more, then I'm willing to touch. What? Just the way you phrase certain things is...

You ever seen Archer before? Uh-uh. He has a line. It's just when somebody says something, like that's what she said instead. He's like phrasing. Oh. Good show. Maybe we can dock when we're done if you want. Sure, man. That's as far as I'll go. All right. Try everything twice, right? That's what my mom said. Is she dead? No. No. Second husband though. There it is. 5,000 hours of retirement. Cool. Yeah. Thrilled.

Again, and this was the issue that I was struggling with at the beginning. It's what do we do for budget? Because, I mean, $2,000. Well, let's see what it looks like. Let's see what it looks like. I'm curious. I added up if I get my job at the restaurant, which they did say that they're planning on calling me back. Great. To tell you yes or no. They said that they're fully booked at the moment, but they'll give me a call. So that's a no. No.

They'll give you a call back and that could be in six months. What are you going to do? Sit around and tell them? I've been applying for a couple other places. You keep saying a couple. What does this look like? What does your applying look like? I'm walking in asking if they're hiring.

most of the time. Okay, I appreciate that. I mean, it's not like your resume is blank though. How long did you do sales? I did sales for about a year and then before that I did... Try to utilize that. Try to get another sales job. One that's less scummy. Okay. Because I get to, for example, I get to talk about the budgeting, investing and now the debt programs that we offer. I get to tell this and I get to sell it to the audience.

But there's nothing scummy about it. I can feel good about it because the people that take them improve their lives. We provide value and value is given from the other side. And then, you know, mathematically, we find that it's not even close. People get more out of it than they spend because they change their lives and they make, you know, a ton of money in the end by, you know, saving money essentially. But like you can, there are things you can sell.

That will not be scummy. I don't want to like, I don't want to sell insurance. That was, that was a big thing. Is that the only other thing that exists in this world? Are you, why do you immediately go to that? I didn't, I didn't suggest insurance. No, but I didn't say the word insurance, but that's like the big thing is car sales or insurance. And I'm like, okay, get into like tech sales, get into even customer service as a lead into tech sales.

I don't know. There's a lot of different selling things. Okay. I'll definitely have to do some research into that and see what I can do. Well, I don't know. All I know is if you're just applying to a couple jobs and you're waiting to hear back from someone that's full on positions, we're not doing anything. Let me listen. Your minimum repayments are $1,049.69. And what's your car insurance again? Around $500.

No, it was like 600 something. 600 or something? What, you don't even know? For f***'s sake, you're supposed to be able to answer this. Car insurance was 614. 614, that's what it was. Okay. So at that point...

We're already almost 75% of your current budget. So it's just like, okay, what's your portion of rent? $500. There we go. So there's no point in making a budget anymore. You've lost it. That already maxed you out, buddy. The $614 was before I got the drive safe thing. So it actually dropped it down to like $488 now. You're still over your budget. Yeah. Yeah, you're still over your budget. So...

And this is what I worried about at the beginning. This is what some people will be upset about. And I do apologize for that, guys. But again, this is a very...

Just walk on the street. These are the people you'll find. The world is crazy. That doesn't mean you're crazy. You just jumped the ship too early. You're immature. You're not planned. You didn't plan, and you have ignorance around your own finances. You didn't even know that one was accruing interest and had a balance. You didn't know how much the other one was accruing anyway. So this is just reality, and it's an important conversation to have as well because for you –

I need you to at least know your situation. Now from here, what I need you to do, man, is apply to every job that is in Beaumont. And that's not an over-exaggeration. I want you to look at every job that's going to be stocking shelves at night. Listen, you bailed too quick. It's as simple as that.

You might end up in a job that you also don't like, but that's okay because you're going to pay your bills instead of going because what you're doing is you are pushing yourself to a point where you're going to be forced to work a job that's even worse twice as long just to get out of the debt that you're accumulating because you decided to quit that job without a plan. So what I need you to do is to get into any job and then while you're working that job just to keep steady, right?

or hopefully pay off some debt, but at least keep me steady. You are applying for the better jobs and you're interviewing for the better jobs. And then you go to those jobs and quit the job you don't like while you're doing that. But you're applying for every job. You're stocking shelves at Walmart. You are...

Working in a warehouse, you are doing anything. You are running Amazon. I don't care. You are making money because you have no other option. I mean, it probably costs you about $3,000 to live, and I probably need you to bring in about $3,000 a month at a minimum. You probably should bring in about $4,000 to start making some dents of this debt. The debt, I mean, it still takes minus that one that we thought was yours. It still takes you if you make it. Literally, if you make double what you're making now,

It still probably takes three years to pay off your debt, making double what you make now, assuming that it takes you $3,000 to live and assuming you're not paying taxes.

But you make your hole even worse if you don't go get another job now. So really, I need to put a band-aid on just to start. We need to start the bleeding to at least make sure you live. And that is going to get you an income source. I did get an offer. What? Tell me. It was for drafting. Cool. Tell me. What was drafting? Computer drafting, like cost plans. And how much? They were saying...

With everything, I kind of calculated it once. I don't remember exactly what they said, but with everything added together plus my side stuff, I would be around $35 a month. There you go. And this would keep us survival and you'd start making – your debt would take six years to pay off, but you wouldn't stay there. You'd be applying for better and better jobs. You'd be getting pay increases. You'd be working second jobs. Yeah.

Take it. Call them now and take it because I need you to survive. Right now you've been shot on the battlefield and you're about to head towards death, bankruptcy, failure. That's where you're headed now. I need to at least patch the wound and make sure that you're able to survive and then we can talk about improving the job, improving our career, improving your income, and paying off the debt. But we need to get to survival first and you're not there right now.

So that's priority number one, my man. So if I go ahead and take that job, which they're waiting on a callback. They called me yesterday. Are you kidding me? Yes. Except can you call them right now? Yeah, I'm sure. Call them right now. No, I'm not even kidding. Call them right now and say you accept the job. This is not. This is. I am being 100% serious. Turn around. They'll still be open. It's 245 our time. I'll take a little hydration. You're about to get a job. Congratulations.

So that'll put me, what, $3,500 a month or so? If it does that, you're probably staying steady, maybe a little progress towards that. If you're actually budgeting, not spending, not gambling. Give him a call real quick. Yeah, give him a call real quick. Hey, is this Christine? Hey, this is... I talked the other day about accepting a job offer that you gave me. Yes, we did. If the position isn't filled, I would love to come in and finish the onboarding process and the interview.

Okay. All right. What's the best time for me to come in? Let me see. I'm going to get my phone. You did. She asked how to go. She already knows you. She knows you're here. Oh, okay. I told her, hey, I'm going to go do this. I won't be able to. Are you friends with her? Do you know her? We're family friends. What did you say? Friday afternoon, the 27th, around 2 o'clock. Yeah, I'm fine with that. I can do that. Okay. All righty. I'll give you a call whenever I'm on my way.

All right. Bye-bye. Okay. That's weird. Well, we're not like we're family friends. So it was like kind of like she answered. Hey, how'd it go? And then you acted like you were. Okay. We'll break this down and other things and other drama in the post show. You guys can join the membership link in the description below. We're going to bring in the producers and talk about more that they know about you being scammed by your job. Lots of travels and apparently sent behavior that I don't know about. So stick around for that.

Hammer 5 score. Okay, yeah, let's give you a real one. That was such a weird phone call. Hey, how'd it go? Hi. We talked about getting her a job the other day. What are we doing? At least she played with it. She understood what you were doing. She was a family friend that was offering me a job. She had your number saved. You didn't have her number. She knew who it was calling. No, I didn't save her number. I feel bad. I mean, we had to get the number for you. Are you kidding me? Spending a budget.

Technically, you underspent on your income there, but you weren't paying off your debt, so I can't give you a better score than 2 out of 10. Now, of course, if you were spending that amount on your current income, it would be a 0 easily. Don't have any collections, but this debt is bad for your situation, especially with the unemployed. Not the worst ever, 2 out of 10. Emergency fund, there was no savings, 0 out of 10 retirement. You're okay for your age. I'm glad what you've put away. I'm going to give you a 4 out of 10 there.

Real estate, zero out of ten. Draft yourself up a make-believe house and live in it.

1.5 out of 10. Make sure to check out the new debt course where we teach you how to pay off debt the best way and utilize debt in the best way altogether. You can get it link in the description below. See you guys in the post show. Today on the Financial Audit Post Show. Why did you play into it like you were talking to a random person you've never talked to before? Camera. I mean, honestly, at that point, it was camera. Were you trying to get out of it? Be honest right now. The first one, yes. I knew it because he put it on speakerphone. He was like, wait, wrong number. He's like, who'd you call? Go for it.

girlfriend and then you didn't think i would ask you to put it on speakerphone did you i called that out too i called that does your boyfriend have any emotions to watch the financial audit post show click the join button below