Wannabe Trans Victim Steals Money From EVERY Friend | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. This is embarrassing. I think I still owe $1,600 for the... Yeah. Oh! And their ex-friend. Oh, you're disgusting. I still owe $400 for a transmission I bought like four years ago. Who? Former friend. $300 to someone else for another car park. Ex-friend again? Former. Why aren't you paying your f***ing friends? Hi, my name's Casey. I'm 26 years old. I live in Austin, Texas, and this is Financial Audit.

The life of a f***ing twink, let me tell you. I'm sure you were like 13-year-old. Why would I have a 13-year-old on this show? All right. Yeah. 26, kill me now. I'm just a couple years older and I look like I'm f***ing dying.

What do you do for a living in 26 in this good city of Austin? I am a robotics technician, so I babysit robots. That sounds like money. It's not bad. What are you making? Pulling about four grand a month. What do you mean you're pulling? Does that hit your account or is that what it is before? It hits my account. Okay, not bad. So, I mean, now across the year, we're looking at 48. How do you feel? So, I'm guessing you're around 60, 65,000. So, how you doing? How you doing, budds?

How are you doing here in this Austin, Texas with your $4,000 a month? I mean, I pay my bills. Do you? Yeah. That's an interesting assumption. Yeah. Go on, continue, because I feel like that's incorrect, but sure. I mean, I feel like they're on, I pay my bills and I can, you know, can afford some things. Yeah, but how are you doing? How are you doing here in Austin? How are you living on this $4,000?

I think pretty good. I mean, I do have two payday loans. Usually not the definition of good. I mean, again, I think the most. But I can pay them. But it's not just about paying them. Wait, you know that, right? It's not just about paying them. It's the fact that. Okay, usually I don't hit finances this quick. I mean, we'll get to have a get to know you section here in a bit. But I just need to call it off for the sake of the audience. The cost of the interest on your iPhone is $200 more than the price of the iPhone.

The amount of money that you're spending on f*cking interest alone. Interest alone! Interest alone! I don't like to go this hard out of the gate, but come on! That was stupid! And I need to really make sure you know that's f*cking stupid. Well... If you don't, we're starting from a pretty scary place, and we have a long way to go at that point. I didn't have the money at the time for it, and I needed a phone.

Did you need an iPhone? Well... Blue bubbles. They're nice. Are they worth $800 of interest? Oh, sorry. $927 of interest. Everyone I work with has an iPhone. That's great. I don't give a f***. So go on. Come on. Why couldn't you get a cheaper phone? I mean, I have only had iPhones my entire life, so I didn't want to...

Switch? You needed a phone, though. Yeah. So I'm guessing you lost the phone. I... Broke a phone. Dropped in a bathtub, yeah. Okay, and you couldn't go temporarily on a cheap phone? Now, why'd you not have money? You said you're doing well. You said you're paying your bills. Doing well would suggest you'd have a fully funded emergency fund. What is your fully funded emergency fund that would have paid for an iPhone that would have paid for 10 iPhones that would have paid for maybe 12 iPhones?

So, what are you really doing well? I don't really know about that. Ah, I want to get to know you more before I jump into all this. I'm sorry. I'm sorry. But that's crazy. That was a crazy thing to hit me with out of the gate. Think you're doing well and a payday loan's okay because I can pay them? Working robotics, $4,000 coming in. What's going on here? What do we have in your lovely life? Well, I spend...

half my time working and half my time off because I work weeks at a time so really yeah what are you doing on the weeks off uh I've I don't know ride my bike how many hours a day are you working on your weeks on uh 12 12 and a half okay yeah those are extensive days okay so

Dang, no gig work we could pick up on those off times, right? Because if you can't afford a new phone when a phone breaks, you're on a pretty dire straight. Because I feel like the average American has like $1,000 in savings, and that's horrible, but you can get an iPhone with $1,000 in savings. I didn't have a car until recently. Okay. There's public transportation in Austin. It's the best in the world. Not even close, but you can get around. It's inconvenient. Yeah.

I mean, I had a motorcycle, a couple motorcycles, but I can't do DoorDash on those or anything. Oh, for gig work. Gig work. Okay. I was thinking, I mean, you look like a little nerd. I thought we would be having maybe some online gig work. No, no man going on. I guess I didn't really think about that. I was like, I thought I was like, okay, well, I make good money from my job, so I don't need to do anything else. You are taking out payday loans.

Are we not on the same page there? Do you not understand? $759 phone, but the interest on it was $927. You pay a total of $1,682 on a $754 phone. Are we not comprehending? If you're not making enough to be able to do that, why are you...

$4,000. I know you can live off of that in Austin. Let's be honest. I know for a fact you could have lived off of that. And you could get a fund if you needed to. So where's your money going? Where do you think? Where do you think you are failing? Did you spend all your money on a 2009 haircut? Like what's happening? I have a lot of bills. What? Like what bills? Yeah, I mean rent's a bill, but... Well, both of my motorcycles are financed. Why do we need both when we have a car now? Why do we need two motorcycles? Well, the first one...

I bought one. I didn't have a car. And I was like, okay, transportation, cheap. Wait, you have a car now? I do. So you can do those door running things if you need to. Yeah, I could. Okay, but why do you need two motorcycles now?

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The pretty? Oh, for f***'s sake, come on. You're a gear guy. You're a gear head. Very much so, yes. Motorcycles? Both. Great, what about f***ing, uh... I mean, if I've looked at retirement, I mean, let's... I never get to retirement first. $5,000 in Fidelity? That's not horrible!

But you are behind for your age. Listen, you make about $65,000 a year is what I'm guessing. You should have $65,000 in your retirement by 30. You have four years to get there. How are you going to get there being at $5,000? Not by having two motorcycles and interest paying on those motorcycles and taking out payday loans for iPhones. Also taking out a car loan without getting rid of the motorcycle before it, without getting rid of the motorcycle before that. I guess I could just work more. Sure. You have some time off.

But that's not it. What about your behavior that got you there in the first place? Do you need the motorcycles? You made the choices to do that. That's the issue that I am trying to pull here.

Sorry, I feel like this has been out of the gate a little, you know, more intense. I know that the conversations get intense, but I like to rev up to it. But you really hit me with that. Payday loan's okay because I can pay on it. And I need you to know that that is not how it works. Yeah, yeah, yeah, you're right. Where's your money going? You say bills. So what? Because you have three vehicles? What else? Where do you think your money's going? Probably food. What kind? What do you mean food? What food?

Oh good $726 and going out to eat? Gosh and your metabolism is incredible you f***ing dick

Yeah, well, since I work so many hours on my on weeks, I just order food all the time because it's easier. On your on weeks? On my on weeks. But even just dinner, ordering food wouldn't add up to that. But we're also getting almost $500 in groceries. I can get you on a $300 grocery plan with meal prepping. So you're spending more on groceries than you need to. A good portion of the grocery bill isn't groceries. What? What is it? What is it possibly? Cigarettes and alcohol? No.

At the grocery store? Yeah, it should be. So it's not liquor then. Yeah. Wine and beer? Yeah. How much of that almost $500 is going to cigarettes and alcohol?

You're going to kill. Why do this to yourself so young? I don't get it. It's okay to have a drink. I mean, the cigarettes, this is objectively horrible for you. I don't think anyone suggests that by any means. Like, it's a good diet. Good to help your diet. Other than that, I don't know what else. I mean, it keeps my metabolism up, I guess. Well, it's probably because you're not eating. But you don't smell, I'll be honest. And most people that smoke on the show, I can tell immediately. Because we're quite intimate. I'm going to be 100% honest. I like honesty, please. I haven't smoked in six days. Okay, fine.

So why? I'm trying to quit. Trying to quit? How long were you smoking? About a decade. For f*** sake, you started smoking at 16? Yeah. Cigarettes. Not even vapes like a cool guy. First of all, payroll was less than $4,000. Barely. But you were close. Okay. Okay. Well, it does vary sometimes. How much did you spend? Guys, $3,850 a game, man. How much did you spend?

I feel like I was probably right at that. I mean, probably a little like... You seem nervous. A little bit. I'm a little nervous. That's okay. People forget that it's just random ass people. Yes. Usually... Did you watch the show? Yes. So usually it's from the audience, but people forget that. Thank you for coming on the show. If you want to come on the show and you want to be nervous, go to calebhammer.com slash...

casting, I think. No, slash apply. Slash apply. We'll have you on the show. And we'll help you not be anxious. And then I'll yell at you and you'll be anxious again. Yeah. Well, how much do you think you spent? What? Like $38,000 maybe? Okay, you spent $3,945. So you spent $100 more than you brought in. Which, honestly, the crazy thing is, compared to a lot of people on the show, it's actually technically not even close to the worst. But it is still bad! Especially when we're behind... What? I'm...

But high end on retirement, we don't have savings to our name and we're taking out payday loans! Payday loans for spending $100 more than we make on mother- When did you get this phone? Almost a year ago. What is it? iPhone 14. Taking out a payday loan and you didn't even get the newest? You didn't even get the little action button? No, no I didn't. No. No fancy camera. I'm taking out a payday loan and I'm getting a f***ing action button. Okay. I should have brought that up. Yeah.

Self-assessed. Where do you think you are today? Zero to ten. Zero being the absolute worst finances that your twink brain can think of. Ten being the absolute best. I actually took the test. The score. The score that you can get for free. Link in the description below. I got a big fat zero. Okay. I'm not surprised. Let's start adding these up. Because honestly, this is a decently dense stack of paperwork. I seem nervous. You kind of got like some like.

Energy. Relax. You're good. You can pull the mic to you. I don't want you to be freaking out. This is just life or death for your entire financial future. But where is it at today then? Because it couldn't be a year ago. It's a rental period of 12 months.

But payments are 27, looks like, so kind of doubling up. I'm confused. Like, where's the status of this today? I think I have a month or two left of it. You have a month or two left of this loan. Yeah. What is your monthly payment and how much is left on it? Month or two, but they're buying weekly payments, right? It takes 68 out of 67, 68 of each check. Each check, it hits it before the check? It takes on the check.

Yeah. Before the check hits? No, no, the day after the check hits. But it hits your account. It's not taking from your check, is it? Oh, yeah, my account, my account. It's not attached to your payroll. No, no, no, no, no. Okay, $67 what? $67 every two weeks, basically. $67 every two weeks, and you're confident in a couple months? I think payoff is December 6th. Do you know what a couple months is? $134, balance unknown. Can I have any information? No.

I can pull it up. But yeah. I'll have you do that later. Yeah. Okay. I don't think there's much left on it. It better not be the tax, the lease, the own cost. This is crazy. Again, $754 to purchase, but it costs you $1,820. Why would you accept that in your life? Do you even know the implications of the interest that is on here? Do you even know how much you spent? You could have got...

Two new, brand new iPhones throughout this situation. Yeah. Do you understand that? I'm starting to. When are you starting to, guy? You had the numbers in front of you. I just looked at the payment. I was like, I can afford the payment. I need a phone. Oh, shit.

That is so classic American. Yeah. You see the payment, you think you can afford it, but the fact is you spend more than $100 more than you bring in on a monthly basis anyway. So can you even really? You keep stacking. This is what Americans do. They stack, they stack, they stack, they stack. They think they can afford it forever, but you can't. I thought I could at the time, I guess. Now seeing that. You've made it. Have you missed the payment? No. Have you been late on a payment? No. On one of these at least? Not on one of those. No. No.

It's horrendous. Zero out of ten. Are we surprised? No. Because I know going through here, as I have already done, there is another one somewhere in here. Oh, it's the next one. How generous. It is an 18% loan. Listen. Okay. The purchase. Okay. What was your total payment? What the f*** is this? That might be one of my bikes. This is an 18% bike? Both of them. Motorcycle? Yeah. They're both 1%.

Why? What is it? Do you have a picture? Is it here? Is it here? I have pictures. You didn't even drive it here in the same damn town on a nice day, 71 degrees sunny? It was colder. Okay. What is it? A Yamaha R7. I asked that like I knew what that would mean. I don't know. Here we go. Not even a full year.

Good. Wait, that one might. This is a Kawasaki. No, they are. Okay. That's a Ninja 400. Yeah. I can't. I don't know what that is. Whatever. Smaller sport bike. It's $5,491. Is that how much it costs? Yeah. That was sticker price on it. That was the sticker price, but it's going to cost you $12,448. I didn't even look at that. You're okay with this? How do you not? It's literally, you pulled the statement for us. You gave it to us. How do you not know how to look at a number on a piece of paper? Yeah.

I fail to ever understand this. I guess I thought I would make the payments like extra payments. Oh, and did you? First few months, yes. Oh, you got a little excited that you can do it. And that's what worries me from this conversation. Okay, you get a little fire under your butt. That's great. Wonderful. Glad you did. And then you...

And then you don't. It's not funny. It's not cute. I didn't know how APR worked until yesterday. What did you think it was? I thought it just was like, okay, I pay it off and I'll pay 18% more total, not yearly. You didn't know what the A in APR meant? I didn't know what it stood for. I thought it was just like some acronym for interest.

So I was like, okay, it's like 54. Oh, yeah, 18%. I'll pay like a grand more. What? Something like that. How long is this term? 60 months. That is a third vehicle of yours. Is this the first one you got? The second one? That was the first one. So why? Listen, can you get? What is the value of it today? What's it worth today? If you sold it right now, what is it worth? Higher mileage, probably three, three, four grand. But what is the current? The current sales price? Oh, good.

What is the balance now? Balance now is $5640, I think. With a minimum monthly payment... $167, rounded up. $165.81. So that was the one I bought, like, I didn't have a car. I was like...

homeless living with a friend. Why would a homeless person be getting a motorcycle? You can't sleep in a motorcycle. Right, but it was I was like, okay, well, it's going to be cheaper on gas and like cheaper payment than a car. Yeah, but you didn't have a fucking home. Roof comes over our head before a rocket pocket. Well, I had a place to stay. I was staying with someone. You just said you were homeless. I was for a little bit and then I was staying with someone. What is staying with someone? Were you a roommate or were you couch scratching?

Couch crashing. Okay, so you didn't have a place to live. You had a roof over your head for safety temporarily, but that's unsustainable for a long time. Tell me about it. When was this? Last June. June 2023. June? 2023. Why were you in this situation of homelessness? My dad came back into my life that December, crashing on my couch. He crashed on your couch? Oh, yeah. Why is dad crashing on your couch? Oh, because he has a cycle of like...

uh, dipping on tenants or like dipping on his, uh, he'll not, he'll rent something out, not pay it and then leave in the middle of the night. Do I not have an eviction charge in here? Uh-huh. Yeah. Of yours. That was a conscious decision. Yeah. This seems genetic. Go on. I moved in with me from California. I mean,

Me and my roommates. And then he managed to get a job within like a few weeks making over six figures. Good for him. Yeah. And then was like, hey, you've been homeless somehow, but we should all rent a house together. That's three grand a month. Why is that? Is that not weird? Yeah. Well, at least American culture. There's more. There's more to that story that makes it even more weird because he was sleeping with one of my roommates. No. Yeah.

Okay, your parents are not together. I take it. Oh, no. Long, long sentence. I mean, I think we all could have picked that up. Yeah. Guys, just a reminder that our Black Friday Cyber Monday sale ends at the end.

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I think it only was a few weeks, but after that, it was very, very hostile between them for reasons I don't fully know. Broke up? I guess so. How old? I think you weren't in a relationship. How old was your dad? How old was your roommate? 45, 22, respectively. How did it even start? Do you know? So my roommates were brother and sister and I... Which one did he have sex with? Yeah.

The brother or sister? The sister. The sister. Okay. And I learned about it later. I bet the brother wasn't very happy. No. No, he was not. And he tried to get you all to get in a house and a lease together? I found out this information later. You were already in the lease all together? Oh, yeah. You guys accepted to get a lease with him? Yes. Is it not weird to get a lease with him?

With your friends as well. At the time, I was like, okay, we're going to get this nice house. And Kyle is brand new. It's huge. And he was like, I'll pay $2,000 of the rent. And you can split the other $1,000 between the three of y'all because we don't make any money. We were working at pizza places. I'll be honest. I honestly don't give a consenting adults do as long as they're in good mind and good health.

But it is weird and inappropriate from a dad to have sex with a friend of their child. That part is bad. Yeah, yeah, that was... And a relative of their roommate as well, the rec sibling. Is the eviction or whatever the f*** I have in here that's thousands of dollars, is that that place? No.

Then we'll save that for when that happens. Okay, so what does this have to do with what? I forgot how we got on this. We moved with him. We lost a job, all that stuff. We're trying to make up the $3,000 rent. Eventually, you know, a few months later, evicted. And I didn't have a car because I liked buying. Did you guys kick him out or was he evicted with y'all? Evicted with us. You guys were all living together even though you knew the diddle diddle?

No, I didn't know this until almost like months later, like months, months later. Like by the time we got evicted, I found this out way later. And at the time, I didn't have a car. I didn't have any money at all. Oh, this was the homeless. I was bought. That's how we got there. Yes, yes. I borrowed, I was borrowing a Jeep, like a little two-door Jeep from a family friend. Oh, sure. And was living in that for a few weeks, almost a month.

Until that family friend that was borrowing it to me or loaning it to me found out. And they were like, no, you're staying with me. How'd you get into robotics? You're making good money now. This is only a year and a half later. What did you do? Yeah, I was an experienced mechanic before.

Really? Yeah, I've worked on semi-trucks. Why the f*** were you making that money in that moment then? That seems more like a personal choice. Oh, it was. Because that was a booming job market, I can tell you. It was. I couldn't pass a drug test and I didn't want to. What the f*** were you doing? Because I already know you drink and smoke. Congratulations on not smoking for six days. It's actually very good. Good job. It shows discipline. I like that. It shows change. I like that. It gives me more hope than usual. Good, good, good, good, good. I like. What were you doing? Mostly f***ing. Some other stuff. What? Uh, z***. What? Why are you doing f***ing?

Look at those nostrils. They're huge. You can let so much in. Invert the energy from the powder to making money. That's what they do on Wall Street. I did do that for a while. I was doing that when I was working on semi-trucks and stuff because I was working for small companies. Well, obviously, I don't actually support that. Well, yeah. Yeah, I don't. Don't do that stuff anymore. Good, good. I got the kind of slap in the face with the homelessness thing. And so I got what I referred to as legally sober, which meant just drinking and smoking.

And I was, with my experience, able to just get a decent paying job fairly easily. Well, I'm always happy to offer you a certification in something through CourseCruise. I don't think you need it right now. Maybe if your dad ever becomes not a piece of shit and he needs something, I can gift it for free to someone you know. Okay? CourseCruise is great to add to the resume, try to make more money. But I think you're good in this current situation.

In the future. Just let me know. I think it would help a lot. For you? I would like to get out of it. I would love to get out of it. I want to get out of the technician side of it and more into the IT side of it. There is an IT one with that. Yeah. IT certification. And then with the experience you have, that could actually be pretty darn good. AT&T? Wait, is this? Oh, that's, yeah. This has to be collections. It is a collections. Yes. For AT&T? I was financing a phone to them and the phone kept breaking. Oh, f*** it.

And I... Every time I... Good thing we didn't learn from that. Yeah, every time I broke, they wanted me to charge me $300 for a new one. Did you get the insurance on it? I did, and they still charged me money. It was weird. What was the insurance like? I think it was... Like the low plan? It was probably the low plan, yeah. Like bare minimum. So... So yeah, I ended up... The payment started a week ago. Did you do it? I paid the first payment, yes. Okay, so you're on a payment plan. Yes. So AT&T Collections, we...

So $1,000, probably about $100 now, I'm going to say. $1,100 minimum monthly payment of $265.03. Why did you decide to get on a payment plan? So it didn't hit my credit with the collections. Oh, is it internal? It's internal. Yes. Oh, very interesting. So if I started paying it now, they would contact me. Thank f***ing you should. This is actually relatively responsible. Thank goodness. Good job.

A lot of people just let it go to collections. Why wouldn't you just let it go to collections? I have my moments. Well, I just want to assess kind of, you know, where you're at mentally in terms of your finances. Why would you not let it go to collections? Because I have some collections and I used to be able to have a couple still. Some have paid off. Some have dropped off. So why not let those go to collections? Because I'm trying to keep it from getting worse and pay those collections. Good. My credit is finally not totally in the crap. What? What?

What number? 623. It used to be 404 two years ago. 621. Corrected.

My bad. Can I... Credit Karma money? What the f*** is a Credit Karma money? Yeah, so what it does is... It's like a line of credit savings thing. And so what it does is every... Credit savings? Every... Well, I can't touch it. Every check, it puts $40 in there. And then once it hits $500, it deposits it back in my account. Yeah, but the annual percentage yield earned is 0.00%. It just earns credit. Or like...

it gives me good payment. Yeah. Oh, it's like a credit builder. I'd rather use like the Fizz card so you can actually spend money, but it's no more than in your checking account. It starts building those habits so you can become a credit card person again. Yeah. That's what I'd rather you be. Yeah. Cause this, this one I got cause it was automatic. It was like, I couldn't, I could not touch it. I mean, I have read. So $80 contributions, $80 withdrawals.

so you said you couldn't withdraw did i misunderstand this one of those accounts is the um spend account so i have a car like a it deposits of two dollars on a spend account isn't that nervously nervous because i don't touch that account it deposits the forty dollars for each thing from my check direct deposit every time i get paid and then the day after that it deposits that forty dollars into the credit builder thing i don't touch that account you have

You have so much debt for a 26 year old. Wait, well, I mean, it could be worse. It could always be worse. What do you? Of course. What does that justify? That does not justify having it. It's not about it being worse.

or the ability to be worse. - It's better than it used to be. - What did it used to be then possibly? Because again, I've seen another 18% loan here. You're taking out, we're about to be on the fourth loan of you, barely through your twenties. What? - The good thing is, is I no longer can have credit cards, so. - So it's not even you changing behavior. It's literally the fact that you do not have access to the ability to borrow unlimited money cards. - It helps out.

Yes, it's a forced mechanism, but what about your f***ing behavior and maturity? How about that? It could be worse. It could be worse, but only by the f***ing limitations of the system is why it's not worse. So why would we be proud about it could be worse? Because it couldn't be worse from your own actions. It couldn't. You're not allowed to be. Because you can't qualify for anything. Probably your debt-to-income ratio is probably considered s***.

When, how long have you had this job currently? About a year. Okay, so I don't know if they fully calculated it into your debt-to-income ratio. Have you filed taxes? I don't even know. No, I haven't filed taxes since 2020. Did you even know this? Oh, they did know. They just didn't let me know. Why the possible f- Why? Why? Why? Why? Just why? It's just, I feel like you're collecting the f-

Just like stupid infinity stones of dumb. So 2020, I filed and I got a return. 2021, I was going to have to pay money and I didn't have the money. And so I was- How much? Like 300 bucks. Go on. You know, the next year comes around and it was a little more. How much? 4,500. Oh, for f*** sake. You're ruining your life on $750 so far. What the f*** are you talking about? Go on.

This year, I actually would have... You've made money this year. I would have gotten a return. What do you mean this year? Not this year. 2023. Sorry, not this year. This year. Oh, good def. Okay, yep. 2023. I would have gotten a return. A small one. Uh-huh. But they ask for a PIN from your last year's taxes so you can file this year's now. And I didn't have that PIN so I couldn't file it. So I have to do like buy mail and figure that out.

With penalties and everything, you probably only owe $1,000. Why not just get this taken care of before they come after your wages and garnish you? And you're with penalties and interest. You can't do this to yourself. Why put yourself in such a risky position at such a young age for no reason? I really don't understand. I think I've just been pushing it out of my mind because it's...

stressed me out. So I was like, okay, let's just not think about this. Every time people say that though, this is like, I guess we just live our lives in a different way, my dude. This is like,

putting off, putting off, putting off because I don't have to think about it. But it just becomes worse. And then you are forced to think about it. And then it's worse than it ever was if you just thought about it before. Why do that delay? Why not rip the band-aid off instead of letting it become infected? I'm so confused why you would do this. Yeah, I think it's just like, okay, well, I don't have to deal with that. Future Casey can deal with that. So...

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Trust me when I say, after you make the switch, you will not go back. No, I'm cursing. You know, it is... What about this next year's taxes? You're probably going to owe. Well, I don't know. I mean, it sounds like you don't really have your deductions all correct. I put a voluntary deduction in there. What? 40 bucks. Every check. Extra? Or 40 bucks extra? Oh, it's W-2, so there's...

You can set up how much is essentially being set aside. What does yours look like? What have you done? That's the only thing I've done. Only $40. Hold on. But you didn't set yourself up in any... Are you... Hold on. Well, a ton of taxes come out of my check. More than $40. Oh, yeah. Way more than $40. Hold on. Hold on. Hold on. Hold on. Yeah, but possibly, possibly like Social Security and stuff like that. Social Security is taken out. Yeah. What about income tax? Income tax is...

Year to date, when I looked at my last check, I paid like six or seven grand. Okay. Yeah. Oh. No, my taxes are high. Oh. Yeah, okay. You might not owe, but pay this $1,000, dude, that you're probably going to owe. Just why not at this point? Can you give me a why not at this point?

It seems like a- it's just been an overwhelming process. It's a thousand dollars, which is not insignificant, but for you, you could do it. That's almost how much you spent going out to eat in a month! Right. Yeah. Yeah. I- Yes. Yeah. I just have to figure out how to go about doing that, I guess. Talk to a CPA, anyone! Credit Karma! I don't care! Okay. Yeah. I've only- yeah, I've only used TurboTax, so... Alright, yeah, then just do that!

Well, the TurboTax won't... Message them. Call them. Yeah, because I looked it up. What the fuck is this? What is this installment loan? $1,177 is the balance at an 18% interest rate flat. That's a personal loan I was using to try and get caught up on my rent of my previous apartment. Your rent of your previous apartment? When was this? When did you take this out?

$140 minimum monthly payment. July? Of last year or this year? This year. What? Wait, to try to catch up on your last apartment? Yeah. When did you get into your current apartment? I'm in a house. What's your current rate? My current rent? Uh-huh. $540. Is one of your parents a roommate? No. No. Okay. No parents are in the state. As far as you know. Okay. Well... Um...

Why catch up with your last apartment? What do you mean? Were they hounding you for what? For why? Running late on payments. How much was it? It was, base rate was $13.50. Can you remind me how long you've been in your current job? Over a year. You could have paid it. What are you talking about? Yeah. You could have sold the cycle. Yeah, the thought, it was like, okay, well, I'm getting behind on this. I'm having to pay like...

Now, $1,600 plus a month because of the late fees. I was like, okay, well, if I get a loan, the extra $100 is less than an extra $300. You're trying to finesse, man. You can't finesse. You don't know how to finesse. You're not a finesser. I definitely tried. Yes. All I care about is you not doing it again. No.

because you continue down this path and you are going to be, you're again, again, you are behind on retirement. Now, sometimes there takes a bit of catch up in the twenties because you can start late depending on what school looks like. That's okay. But as long as we're hitting one times our annual income in retirement, it's kind of that minimum goal we shoot for. And it starts to compound from there. So you're setting yourself up for success. You know, you could do that in variety ways in your 401k and just brokerage like Moomoo that I use. You could do it anywhere.

I do have a Roth IRA as well. Good! There's not like anything in it. It should be like 20 bucks a month. All I'm saying is you continue down this path, you're never going to be able to retire. I know retirement seems so far off, but it's really important to start compounding now because this is the time where you set yourself up. Not in your 40s, not in your 50s. It's now. It's your late 20s and your 30s. But you're f***ing around with 18% loans and you are not getting that kind of return on an annual basis averaged.

of these again oh this has to be the other bike yeah i think so bike two bike numero two yamaha yeah that's the r7 that one i bought brand new proud of you how much is odon are currently 7,399 i would on it currently uh 9,400

What was the purchase price? It's at 12. It's at 18%. What was the purchase price? Well... Oh, the purchase price was $7,399, but you're saying it's at $9,000? $95, I think? Oh, for f***'s sake. I did a really low down payment, but I also... What did you put down? Uh... 60 month. Oh, this is the second bike. That's right. So when did you get this? I got it around the time...

Okay, this is also a story. Oh, let's hear it. It was with my ex at the time. Okay. And the relationship was not going well. Whose dad was the ex?

Revenge story, I don't know. Not that. And this is in Alabama, so it wasn't mine. Your sister? No, no, no, no, no. Actual... You throw Alabama in there, I don't know. Go ahead, go on, go, go, go. Non-related ex. Go, go, go, go, go. Living with her at the time. I actually didn't want to get that apartment. What does this bike have to do with it? Okay, I didn't want to get the apartment. I was paying for everything because she wanted to get the apartment with me. I wanted to get roommates, so I didn't pay as much. Um...

And I don't know, the relationship was kind of getting rocky. And instead of, you know, communicating, we both retaliated. So what? Communicating what even? Literally anything. How are you that bad at relationships? I'm saying that is the most single mother in the history of existence. How are you that bad at relationships? I can communicate. No, I don't like you. That's rude. That relationship was entirely physical. Oh, you're just f***ing.

Would you guys live together? It should not have been a relationship. Yeah. Well, it was... We got together and thought... It was like, oh, yeah, we're in love. But no, it was just... What's a retaliate? She started f***ing her boss. And... Well, hold on. Why did... Were you guys in a relationship? Yeah. And she started f***ing her boss. Why is everyone f***ing figures that are considered inappropriate in your life? Oh, good f***. Who were you f***ing?

I wasn't. Well, you didn't revenge. What I was doing is I used her credit card for the down payment of this. Yes. Of the bike. That was this. That was really that was relationship ending. What was this? That was relationship ending, not her taking the boss. Oh, that was at the same time. Like within a week. What was her job even? She's a chef. She was in the restaurant owner. I think her manager. Oh, guys. Why am I not working in restaurants?

Sorry, I'm playing too hard right now. It is a perk of restaurants. We usually save that kind of degeneracy for the post-show. If you guys just want that bulls**t wild stuff and whatever we're going to do, check out the post-show. That's where the more fun is. I'm going to keep it tame here and mature. Okay, so how much did you use to get on her card? When was this? You did not answer. Oh, end of April. This year? Yes. Dude, this is so f**king recent. I didn't... That's a bad breakup.

In Alabama, then you had to figure out where to go. Oh, no, that was here. The Alabama thing was an interesting joke. Oh. You brought up the dad thing. Oh. Yeah. But yeah, no. $253 minimum payment, by the way. 18% interest rate, $9,500 owed. On a bike that costs $7,000, which is probably worth, what, three? Go ahead. What? I knew I couldn't afford it, so that's why I used her card. You have the down payment, but what about the minimum payment? I'm sorry, I keep getting lost in the tea. How much did you spend from her card?

Like $1,600. Whatever that down payment was. I don't know. I don't see. Oh, it's not on there? $1,620. $1,620. Very nice. Fees or whatever. Okay. So you committed credit card fraud. No, I was an authorized user. What? That affects your credit though. You dumb little tit. I paid her back a couple days later through... A little guilt?

A little guilt and a sense of a little maturity. Yeah. Well, what I did was you're a little degenerate, aren't you? Sort of sold ish my Kawasaki to my brother for a year. For a year. What do you mean? So basically, you buy it back from him.

He still has it right now. Was he renting it from you? More or less. He basically paid me back for the down payment, and I was like, you can keep it for a year, and I'll pay the payments. And if you want to take over the payments... Did that mathematically even make sense? How much was the down payment that he paid you for? Oh, this? Yeah. But your payment on that other thing is $1,400, so that's not equaling that. So really, you're losing interest to him as well. Yeah, but it paid her back.

Debt for debt for debt for debt. That is your life. That way I didn't have to deal with her. I just had to deal with him. Leave her and then you wouldn't have had to anyway. Not that you should have paid it back. Yeah, no. Is that the eviction? Is that the apartment that you're paying for? That is the apartment. How many apartments have you been to since then? No, that is the apartment. I was there...

mostly by myself for huh was there mostly by myself for until a month and a half two months ago and then just kind of left listen it doesn't teach you about relationships but go through our budgeting class you get it for free go

go through our investing class you get it for free since you have an investing account actually use it go through the quizzes go through our debt class so you can understand the implications and negotiation all that go through it that has to be like 10 hours of classwork for you to do plus quizzes and everything go through it literally 10 000 people have done it go through it you get it for free if you don't take it by the time you come on for a follow-up i'm gonna be so pissed it's discounted right now for these people 15 off which is great for them good job but you get it for free so do it

Okay. So I'm ready to move out charges. So is that this apartment? Yes. Okay. What the f*** am I looking at here? Water allocation, gas allocation, drainage, pest control, trash, final gas, gas admin, final water. Basically, it's $3,439.15. Yeah, it's basically. Wait, but you said you took out the personal loan for this, right? To catch up and then I didn't catch up. Where'd the personal loan go to? Ended up.

Not catching me up. No, where'd it go to? Um. If it didn't have not to this. Probably eating out. I honestly have no idea. What was that? 12% to go out to eat or 18%? Remember, 18% probably all your interest rates are 18%. To go out to eat? At least it's consistent. That's not funny. That's not funny. Yeah, shake your little jaw. That's not funny. Quiver in fear. That's stupid. 18% would keep me up at night. That's dumb.

Yeah. So you still owe this? Yeah. I got a payment plan with them? What's going on? I'm on a payment plan now. You ready? Okay. Okay, what? It's a 12-month. I paid the first payment. The minimum is $295. Is there interest on that? No. No interest. Lucky. So you got about... Instead of a do that, then it won't go up. $3,250 left, probably.

that probably yeah they said if i do that i won't you know screw my credit yeah because they would send it to collections and yeah which you love doing okay all right let's be real for a second dealing with car insurance is absolute death one minute you think you're getting a decent rate and the next you're hit with some random 50 fee don't even get me started on trying to compare different companies it's like trying to find a needle in a pile of taquitos you're probably

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federal student loan you went to college uh yeah yeah yeah yeah for a little bit dropped out that type of thing no degree no

No. This is when I was like 18, 19. 3.5%. Yep. 2.5%. Okay. I'd minimum monthly payments until these are paid off. $57.18 minimum monthly payment. This isn't that crazy. Just like I think 40% of people that go to college and borrow debt, you didn't get a degree. You're not crazy for that. You're lucky though. $5,000.

$8.55. $5,108? Because I think the median person, or average person that borrows for college borrows $40,000. I just went to ACC, so... Austin Community College. Yeah. Yeah, it is cheap. I'm actually surprised you borrowed that much for limited school at ACC. I have a minimum monthly payment until it just pays off. Because the interest rate is really low. You're getting about 18% once, okay? Okay. What do I have here? Oh, collections. Okay. Yeah, sure. Collections. $1,000.

426. What are you doing with this? How long has this been on here? What is it for? I think that one is the rental. Musical instruments? I think I had a rental saxophone for a while. And you didn't pay your rental saxophone? Yeah. You look like every saxophone player in high school that would get bullied looked exactly like you. I was the section leader. Oh, yeah, you were.

I was a trombone player. That's why I'm fat. Yeah. So I was, yeah. You didn't get bullied, did you? What? You didn't get bullied. Oh, no. Good, good, good, good. Because then I'd feel bad about that joke. No, no. I was just joking with you, but I'm hoping you didn't. Good. But why were you renting? In college? That was later. That was like 2019. Because I was like, I kind of want a tenner. Why did you pay for it? I moved back to Texas with it and then forgot about it.

But what about the payment? Why weren't you on automatic payment? Because I didn't know if I'd have the money in my account every time, so I'd pay for it. Then why take it out? Have we learned a lesson? Yeah. You know the answer to those questions. So, yes, you please have learned a lesson. Okay, great. More collections? How much collections do you have? Collections number two. Just those two. Good. $966. That one's a medical bill. I got crushed by a forklift. You got...

Crusty armpits? Crushed by a forklift. Oh. Okay. What is my hearing right now? I promise my armpits aren't crusty. I don't want to confirm. Crushed by a forklift. Yeah, my stomach got... What situation? Probably an OSHA violation.

But it was a small shop, welding shop I was working on. Yeah, no, I got crushed in between the mast and like the roof of the forklift because I was standing there. Any payment plans for either of these? No. You could just pay them off. They are not insignificant amounts, but you have the financial ability to pay off. You could have paid off that one in a month and a half if you weren't going out to eat. You could pay off the first one in less than a month if you didn't go out to eat. Yeah, fair enough.

Basic adult sh**. You're 26, not 12. No matter how you look. Is that all the debt? There's personal debt. More personal loans? No, to people. To people. To people. To who? To who possibly? Why? Very... Wait, you're multiple people? Like five. Oh, for f***ing... Why? Over the...

Alright, number one. Who's a two? Oh, for f***. Person number one, I still owe $400 for a transmission I bought like four years ago. Who? A kind of former friend in Tennessee. Are you paying? I was. I intend to. What do you mean was and intend to? Why are you? I paid half of it off. It was $800 and then I stopped. Why'd you stop? And why are they a former friend? Well, I mean, because they're mad at me for the debt.

But they lent it to you. They're mad that you didn't pay it. Yeah. Because you're an irresponsible prick who's being selfish about the money that you borrowed. Yeah. Uh-huh. Yeah, reasonable. I'd be upset too because that's not what a friend does. A friend can lend. In fact, I would prefer a friend gift. I would have gifted. But either way, of course you don't pay me back. That's a trust violation. Takochi violation, you violated his trust. Okay?

Okay, I'm not surprised. And it was for a transmission? Yeah, for the BMW. Wait, you said you have a car debt. I don't have a car debt. I don't have a car debt. Your car is cash? I got it for free. What is it? An 06 Civic. It was my brother's. Ooh, how's it doing? It needed a lot of work, but I'm a mechanic. Yeah, yeah, yeah. Still got plenty of parts. I paid about 500 bucks in parts, four days of work. Now it's fine. Sure, sure, sure, sure, sure. How many miles? 197. How's your condition? Theater. All right.

How long do you think she's going to last? Hopefully a year or two. Okay. Okay. I hope so because I don't know what you do. I really don't. Without pulling on a retirement, but I wouldn't want to do that or taking out a predatory. I do. For work, I have a company truck. But you shouldn't be driving that for personal use. I can't use it for personal use. Yeah. You can't.

People never do. But yeah, don't. No, I'm strict about it. I don't want to lose this job. That's good. That's responsible. It's weird. You have a very mix of responsible ideas and ideals and then you have the most irresponsible things I've ever seen in my life and the most stupid things. Very confusing person. That's okay.

A number two? 300 bucks to someone else for another car part, I forget. What car? Are these both this car? No, that was a Mercedes. Okay, so is this a friend? Yeah. Ex-friend again? Former. For f***ing why? Because of the debt again? Yeah. Why aren't you paying your f***ing friends? Huh? I just, I intended, I keep... Never lend this f***ing money. Not reliable. Yeah, probably don't lend me money. No, don't. Third is...

I owe like $600 to another person that like let me finance an old Audi from him. Oh, wait, wait, how much? 600 bucks. Ay yi yi. It was like originally like... This is an ex-friend. Another ex-friend. I literally think I have one ex-friend in my life and it was from sixth grade being petty little sixth graders. I've never had ex-friends in my life in like actual adulthood. How are you this much of a middle school child? This is embarrassing.

What a joke. Okay, number three. No, four, sorry. What else is there? There's the six... I think I still have 1,600 for the BMW that I... What the f*** is that? Oh, yeah. To who? Another ex-friend. Oh, you're disgusting. You know, this is just like...

Everything just screams immaturity, literal child behavior in this. It really does. It's all connecting. Do you not realize that? Are you embarrassed by this? I would be embarrassed. And I don't want people to feel my embarrassment, but you should feel embarrassed and hopefully change that action to feel better and more mature in life. Okay. What about number five? The last one is to current friend, actually. For now. 2850. Yeah.

This one was when I... Both of them, like exes, go through bosses. Yeah, this one was when I moved back to Texas and I... How much is it again? $28.50. For what? You lent me money when I moved back to Texas. Have you ever not borrowed anything for anything you've ever done? Is anything you've ever done not been debt? I don't think so. I don't think so. You're the debt king. You're the king of the debt. Yeah, I grew up with it. My mom had me going in and paying her pawn shop

monthly fees when I was like 16. Did you see that that was bad? It was normalized to me at the time. Okay, yeah. Payday loans, title loans, pawn shops. Yeah, yeah. And you did not take away through this late teens, early 20s that that was bad. It was normalized to you. It got really normalized, yeah. Oh, wow. Okay, yeah. This is the first time I've seen it as...

for what it is yeah and unfortunately here's the reality of just the world we live in like i don't like the bull around i don't want to do that i wish i wish i wish stuff because you don't walk away with any benefit from the i wish you know so we rewrote this only you can change that cycle only you have the control over your numbers here and i hope you do because that sucks but if you ever have kids you do not want to continue that cycle to them

That's not fair and you'd be irresponsible. No, actually. Especially since you know it now and you have a wake-up call. Yeah, yeah. I don't want kids because of the way I grew up. Well, talk to a therapist about that. Yeah, well, yeah. No, don't worry. I'm seeing one. That's separate. $40 in a checking account. Oh, my. Oh, this is spending like crazy. We haven't had spending so far. We just had insane debts. By the way, 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14. Debts.

wonderful good job starbucks well we have 18 debt my pizza a subscription torches door dashing we're really doing door dash come on dude you just got a car congratulations use it come on you're door dashing what the f**k mcdonald's amazon taco bell water burger mcdonald's zaxby's amtrak amplified applied applied oh that's the vending ad oh it's airmarked

Apple bill, some kind of subscription you got in there. You probably got your grinder popping off. McDonald's, GameSups, Aramark. I keep saying Aramark. I keep thinking it's Amtrak for some reason. Okay, Venue Machine? Is that a Venue Machine? $7.99 at a Venue Machine? Well, it's not a Venue Machine. It's like the break room for food. Stop. Pack a sandwich. You have a kitchen? Yeah. Beautiful. Do it. Amazon. Amazon.

Oh, the meal place. The meal place. Amazon. Kindle. Kindle. Meal. Meal. Then we're now $540. That's rent. Better be. Yeah. Taco Bell. Not going to be able to bottom after that. It was a joke.

Making lots of assumptions that are probably inappropriate and rude to make. No, you're good. Apple. I'm sorry. Apple bill. Taco bell. Getting a meal. Amazon. Men menchies. You mentioned on some men? I've never heard of this again. We did it again. I can't stop myself. I'm addicted. Kobe Steakhouse. Apple bill. What are you getting in apps? In apps. Apple bill. Apple bill. What are you doing? Apple bill.

Probably Duolingo. I think there's a VPN in there. Stuff like that. DoorDash, you're DoorDashing. 40 bucks. Come on. We have 18% debt, but we're DoorDashing. Amazon, Amazon. Freddo, Freddo. Summer Moon, and I love the Moon Milk, but you can't afford this to save your life. More DoorDash. $35 a bit. It is really good. Microsoft, Microsoft. Huel. Amazon. Apple. Air Mar. And I should probably look at the Amazon spending, shouldn't I? Because there's more Amazon and Taco Bell and Netflix.

Jeez. Amazon, Amazon, Amazon. There's the getting food. GamerSupps. I've heard of that. Isn't that most critical? Yeah, a few of them. I learned it from Slatt. Shatt? J Slatt?

Another twitch streamer youtuber person. Um, yeah, it sounds like a word. I was confused plume heel. That's $99. What is plume heel? No, no, that that's my um, my health. Um, it's a health thing for hormones Hormones myself. It's hormone therapy. What I take um estrogen Oh, are you are you trans? Are you transitioning? Yeah to female

In the middle. I used to be fully trans. I'm confused. I'm sorry. I'm not as informed on this. This is costing you $99. What do you mean? Oh, wait. Have you gone from female to male? No, no, no, no, no. I'm sorry. I'm confused. I went to full hormone therapy for like years starting like 2019 and was going back. To transition to a lady. And then...

Various life situations, I don't know, felt pressured and insecure and ended up stopping it for over a year. Okay. And completely just, especially with the blue collar work, I kind of just like introduced myself as not that insecure.

Uh-huh. And went with that. And then I kind of got back onto it recently. So you're trying to do it again? Yes. What do you identify as? I've been calling you dude. Non-binary.

Are you sure you're trying to get to a woman? No, no, no. I'm just this. I'm sorry. It's not my expertise. I'm not uber informed. No, no, no. I'm trying to stay up to date, but. You're good. It's costing you a hundred bucks a month. Yeah. With insurance or. It's not insurable. It's not, it's uninsurable. Yeah. Well, I'm sure some insurance, right? But maybe not your insurance. Not my insurance. Some insurance take it. It's very, very. You can get insurance for anything.

Very hard to insure stuff like that, especially in the south. Uh, okay. So how long are we doing that for? That's permanent. Oh, it's for the rest of your life? Yeah. What does it do? What does it do? That covers like...

my appointments and medical and prescriptions and stuff like that. And it's the actual like physical, like hormone. That's why I look like I'm 12. Really? Yeah. I can DH if I take hormones, hormones. Yeah. But you're like young. You'll already have tits. So yeah. Yeah. You'll have other changes, but yeah, that's, that's why I look like a twink as we've cured aging. Yeah. Just become a woman and you won't age. Yeah. And we already went over this 5,600 in this retirement account of some kind and

Yeah, 401k through my work. I'm surprised that it's down. Oh, it's only down for a month. Wait, this period. Okay, what is the period? Because everything's kind of up for everyone. So I'm a little curious that you're down. Is it just for...

Oh, it looks like just for the month of October. Maybe it started, ended slightly down for October. Okay. And then $33 in this Roth IRA. So, oh wait, 242. Whatever. Acorns. Okay. That's pretty much nothing. Yeah. But the retirement, that's a relatively decent start. What are you, are you contributing? Yeah. Yeah. On like a monthly basis? 7%. Is that your match? No, my match is abysmal. What's your match? My match is 30% of the,

The first 5%. Only take that then. Only take that. No more. Okay. No more. Because again, if you're getting 10% return average up years, down years combined, S&P 500, let's just say for example, you're paying an 18% in interest on all these debts. There's no point. Okay. So let's do the mathematical thing. You're getting a 30% return on a dollar that you're putting in for the first few dollars, which is great. So take that. So drop it down to...

my match and I'll need that. Okay. Okay. It's a wild one, my friend. Wild one. Wild stories. Wild information. Wild life. Um...

I'm going to sit you down with a free financial advisor, domain money. You know, all throughout this conversation, I love setting up my guests with connections. Everyone in the audience also gets free sessions. The first free session with a real financial advisor that I personally use actually. Okay. Like she's pretty cool, but you know, we'll do, you know, we'll get you your free session. Okay. Do that. Talk to them about all this and how it all fits in. What we're going to do is make like what, um, a,

A budget should look like for you. And after you go through the programs I actually put in the work, you're going to get your full detailed budget because there's always more in life than can be found in an hour and a half. But we're going to figure out what we relatively have. $4,000, it's your account. Okay. What is your rent? $540. What utilities? I say you sent $100. $100. $100 no matter what?

It varies. I would say $150 just to be safe. Is that including the internet? Gas, electric? Yeah, gas, electric, internet. It's split between four people. You have renter's insurance? Yes, $20. Good. A month? Yes. Gas, vroom, vroom, drive, drive? Not much. Let's put $100 a month just to be safe. Car insurance? Cars and motorcycles, $385. What I would honestly do is sell both bikes, use the money from...

Both to pay off one of them and then let's just try to kill the other one. So how do I sell something that's underwater like that? We can borrow the difference. Can I borrow the difference? Can you? 640. Debt to income is probably bad. We can make progress on a couple of these things and that'll help. Yeah, because maybe if I could save up the difference. Well, we'll find out. We're going to go through it. What about 385 for all insurance? What about phone bill? 240. 240.

What? Are you calculating that as your payday phone loan? No, that's separate. Then what is this? Also, iPad with service and Apple Watch. Sell. Sell. Sell. Let me see. Oh, cool. Sell. Sell. 240 is insane.

Buddy, if you didn't owe on this, we could get you over to Helium for 15 bucks a month. And you don't need better than that. Team Mobile Towers in Austin, you're fine. Are you kidding me? This is insane. Yeah. 240? 240?

That's insane. I do have to use the iPad at work and it has to have service on it. Like I need. You have to buy your own work equipment and you're not a contractor? No. Then what? I just have a lot of downtime. Then you don't need it. You mean you just have it for your entertainment. Use your phone you already have. Okay. So.

Sell it, please. Sell it, please. Sell it, please. Like, it's painful. Yeah, you're going to try to. You're going to. Okay. Who's it through? Verizon. Talk to them. See if you can return it and take it off of the overall balance. Then we're going to pay off the rest as quick as we can. I'll put it $240 for now, but you need to do that. That's a ridiculous payment. Are you kidding me? That's stupid. It's half your rent.

Groceries, $300. It's all you need to survive. Follow our mirror plan and our budgeting program to get to your needs. $100 for TP fund. $150 if you continue that medication, I guess. Ah, that was $200. That was $100. Ah, $100 for TP fund. I'll put $100 for medical. Anything else on the medical side? Therapy, $70 a month. That's not bad. Yeah, $35 copay twice a month. How much? What else? Health-wise, I think that's it. Pets? No. Good. Thank you.

No subscriptions. We're canceling them all. They're stupid. You're done. We got your debt. Buddy, you've ended up in such a bad position for your age. What actually changes after this conversation to you? What actually changes? I might be able to. Oh, you might. Oh, my. Come on. What? That's stupid. Don't do that. Come on. What? I can see actually how bad it is. I didn't think about it until now. What do you mean? I don't know. I pushed it to the back of my mind.

I mean, because all of it, every single little thing. Yeah. Every time you took on a new debt as well. Because that was like generational debt is such a big thing in my life. I never even thought about it at all. I get it. But you've also self-confessed that you've tried to borrow more money and you haven't been able to. So why was that not a, Oh, I can't borrow any money anymore. Cause I'm so, I guess I thought it, I just pay it off and then borrow later. But you haven't been. So what are you talking about? Yeah. Okay. Okay.

What's actually going to change? That left me with very little confidence. Your debt payments, by the way, $1,311.21. Okay. Most expensive category by far. Go ahead. Continue. What else? What's actually going to change? Come on. I'm going to listen.

Because obviously I don't know. Please take the class. Yeah, I will take the classes. Yes. Yeah, that is considered done. And when you come on to the financial audit follow up channel, I better see real progress. Let's talk about milestones where I want to see you. You have an extra $683.79 on a monthly basis because in order to survive, you need $3,316.21. You have $4,000 ahead to your account. Okay. Okay.

Because the extras can go towards paying off debts quicker. Yeah. Not collections. We let it sit. Do you have a minimum monthly payment to your friend that's a current friend? Not right now. I actually live with him. Oh, great. So for the debt that's sitting there, what, $26,368 that's recurring interest and that is bad debt isn't collections, isn't owed to a friend. With the money you have left over, we're going to call it $650 to be more conservative. So it takes 40 months to pay all that off.

That takes about three years and a quarter. That's too much to only pay off half of your debt in terms of how many categories exist, not total number. What I need you to do is you need to start grinding on your days off. I need to see an extra minimum $500 comes in, preferably extra $1,000 come in net. You need to speed this up. Extra $500, you should be able to get that down to about a year and a half to two years, probably closer to two years. Okay.

Bring in an extra thousand, I think we can get that closer to a year and a half, a year and a quarter. And that is easily doable. Easily? Yeah. Everything's easier said than done. But three and a half years, we're starting to struggle there because then we still have to talk about collections. We still have to talk about your friends that you owe, that you should morally pay. Then at that point, we're still one year from needing to have about 65 in retirement. So it's like...

You gotta speed this up. You f***ed up by making a lot of bad decisions and putting it off. You've put it off. Now we are where we are. You have to play some catch up. You play some catch up by eating some s*** for a while. That's okay. Eat some s*** for a couple years. If you eat s*** for two years, bring an extra thousand dollars a month in that by grinding on your weeks off, which is every other week, you can pay off your friends and collections and all those other loans, which are stupid things.

the loans you could pay them all off i bet in two years and a quarter all of that then get a fully funded emergency fund let's call it two years and three quarters you'd have a six month emergency fund so you never get and you can get a phone you can get a car you can get whatever you need when an emergency happens no more medical you know collections that stuff doesn't happen no more apartment debt that stuff doesn't happen because you have a fully funded emergency funding because you actually put second prices in this is making sense yes yeah

So, gosh, really there's no milestone in terms of a follow-up plan because follow-up I usually like to have people on like three to six months. So three to six months, you know, I want to see a couple of the debts gone, maybe the AT&T personal loan. I want to see that, okay? Okay, I can do that. That's the start. Then you come on and we assess progress, assess spending, assess debt. Okay. That's where you'll be. Use the resources we connected you with. You spend over your budget, zero out of ten. Okay.

Debt, you have collection zero out of 10. Emergency fund, you don't have anything in savings, zero out of 10. Retirement, you do have something. You're definitely behind to get to your goal, but three out of 10 there. Real estate, zero out of 10. So it has to be. Hammer Financial Score rounded up.

barely made it. Hammer Financier School rounded up one out of ten. Guys, make sure to join us in the post show. It's an extra 20 minutes and that's where we get a little more delinquency. That's where things are, you know, there's extra stuff that I don't know about that they know that didn't organically come up and we're going to talk about it with the producers. And also there's extra financial audits and tens of thousands of hours of extra content if you join Hammer Elite and help support this channel. I'll see you guys in the post.

You were going to allow your financial situation to get worse. Yes. Yeah. Well, I've lost all f***ing hope. Do you know how bad your brother's finances are absolutely f***ed?

owes an ex-friend $1,600 and owes his current friend and roommate $2,850. $3,000 owed to a past apartment that he was kicked out after your dad f***ed someone that was 22. I don't actually know that much. To watch the financial audit post show, click the join button below.