I Had To Call This Failure's Mom | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. That is so stupid, irresponsible, borderline disgusting. As a parent and as a partner, that is... I feel a little called out right there. What the f*** do you think this show is? Hey, this is Miles. I am 25, based out of Lake Mary, Florida, and this is Financial Audit.

Welcome over to Austin, Texas. What do you do for a living in Florida? I'm an IT consultant right now. Okay, cool. Could be a good industry to be in. What are you making? I'd say typically like last year I had made about like 65 and then this year I'm probably trekking for like 62.

after taxes paid. Is it based on after taxes paid? Oh, okay. So this is a contractor job. Yeah, it's a contracted job that I consult for. Makes sense as a consultant. So with that, it's hourly based then? Yeah. What's your hourly pay? I get $28 an hour. Okay. I'm typically working about

How does that stack up for most IT consultants? $28 an hour? Honestly, not that great. I'll be honest. I'm a little low-balled. I probably should be getting more in the $35 an hour range. Maybe. How long have you been in the position? With them? Consulting for them? Since January. Because I had lost my job before. Oh, you lost your job? What happened? What was the job? Well...

I had worked at Mitsubishi and basically I had some issues with the vice president director. She's kind of an issue and they ended up, you know, giving me the boot.

Okay. Yeah. That's very specific. Were you in IT there? Yeah, yeah. I did IT there for about two years. Yeah, the average is about $38 an hour for IT consultants in Texas, in Florida. But I'm assuming it's pretty similar anyway. So with that, 25 versus 38, on that upper range, it's like 46 to 61. And on the lower range, it's 26, which is...

I want to make it 28, so that's a little... Oh, yeah, yeah, yeah. 28, I was reading your age. Yeah, okay, cool. So, obviously, we have a lot of debt. We have a lot of things. What is going on? So, basically, uh...

What all kind of happened is I never really took my finances too seriously because like my parents they like had a pool well they still have a pool resurfacing business. Okay. And essentially for most of the time I was renting there for about $500 a month. Yeah in Orlando. No no I was renting at my parents house. Okay sure. They were letting me stay there for $500 a month and

And it was in central Orlando, which is actually extremely good for what the market is over there. Sure, they're your parents. Okay. And then essentially, they would kind of just always come in whenever they felt like it. They would just, you know, never really let us know when they were coming over to the house, even though I was paying the money. And we kind of got into an argument where... It's their house. I mean, okay, so...

Okay. To be fair, I mean, even though I'm giving them, I mean, if I'm giving them $500 and no, of course I would love respect the boundaries and stuff like that, but it's just like, okay, fine. It just seems okay. Go ahead. And then, so that had happened. And I basically told them, Hey, uh,

uh you know i'd really appreciate you guys give us a call you don't have to you know we don't we don't need permission for you guys to come over come over whenever you want it's your house girlfriend or roommate yes it's me my fiancee uh she was uh and our baby uh which our baby right now yeah yeah yeah a little nine month old oh two little girls so this is also recent this story yeah yeah this is yeah this is pretty recent okay

And yeah, so essentially it gave them that conversation. They told us, you know, we'll come over whenever the F we want. You have a problem, you need to be out by X date. And then they kind of just kept coming by and harassing us all the time. Okay, what's harassing? Harassing is like...

Like straight up, like they came over and they gifted my sister a TV that she was living with us to at the time. Okay. And they gifted her a TV and then they just came, came into the house while we were watching UFC and just, just straight up took my TV and like walked out. Well, I mean the TV in the house that we were watching. The one that they gifted? Yeah. The one that they gifted to my sister, but then they took it from me while I was watching it. Okay. Just to be clear.

I asked, so what's going on? And right now I'm hearing about a TV that gifted and taken away. I don't think all the missed payments we're about to go through is because the TV got taken away. What are you on about?

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Listen, it's hard. It's hard to see. Then after that happened, then we ended up having forcing to move. Then I had to basically just... Whoa, whoa. Okay. Hold on. Easy. Okay. You were going very slow in that story for a long time. Then all of a sudden we went from a TV was gifted that was taken away and I was forced to move. What the f*** forced you to move? What forced me to move? That was a jump.

It's because when they took all their shit, I basically found out, found anything in the house that was, you know, like, like, like, like took the TV. They took a, like a trash can. Just like, like, yeah, it's theirs. Okay. So they needed it for something. Maybe. No, no. Maybe they weren't properly communicating. Trust me. They're being petty. They're being petty. Petty about what? For why? Because of the fact that I said that I want them to call before they come over and not just come over. What is your relationship with them? They're my, they're my parents. Yeah. No. What's your relationship with them? Like,

It's not great. It's not great. It doesn't sound like it. It's a little toxic. Okay, let's not pretend you were probably a perfect angel, though. Were you? No, no. I definitely might have reacted in ways that have not been the greatest. You know, temper tantrums?

Oh, you know, you know, but basically it led to an eviction paper. Well, yeah, I don't think it was a real eviction. They just kind of like put eviction papers on like all the doors, all the windows. They did? Yeah, my parents. To their kid? Yeah. That's weird. Instead of just having a conversation over a meal? While I have a baby. Oh, f***. I'm proud of the baby thing, yeah. I'm then... So at that point... So...

Like, okay. First of all, I mean, we're hearing your side. We're hearing your side. So it's just like, sure, you know, maybe there's, maybe they didn't want to enable some kind of behavior they were seeing. You know, maybe there's all this different stuff. Maybe you were being spoiled. Maybe they're just pieces of shit. We don't know. We're only hearing your side. But even still, it's, it's, it's the, the eviction paper versus like a conversation, especially when their grandchild is involved. That's,

That's a bit weird, I'll be honest. Regardless, there would have to be some major context missing for that not to be weird. Okay, so you got the eviction papers. And then at that point, it said to be out by November. And so I kind of just had to, I was like, okay, I'm going to find a place near my job. Sure. Got a place. And then within that same month,

a co-worker had basically got in my face, cussed me out. Why though? Come on. It didn't just, well, because no one just shows up. Well, because he was trying to, he was trying to break a law.

And then I was just like, well, it's like a security privacy law. Okay. And in that, it's like a security privacy law. It's like this basic IT thing that you follow with how you move data between countries. Okay. And different companies, you know? And so I said, hey, this different company that's trying to access our data in

in for our company in this country you know they're a foreign country in a foreign company with a foreign company trying to access our data we shouldn't do that and you said it just like that huh i did i did and then he told me to mind my business and then i told this old man i said well if you didn't you know if you knew where is this going this is one of the

It's getting there. It kind of just happened. If you're going to tell the long story, at least tell it into the mic.

It's a dominant. Look, it's a domino effect because, you know, I was like, okay, let me move to Mitsubishi. Let me move closer to my job. And then got an argument with a coworker. I tried my best to do things the right way. I told my boss. Yes, you were a perfect saint. Okay. I was. I was. Like, you could, like, in the whole video, like, he yelled at me. I kept my composure. I went straight to my boss. And then. So were you fired? Yes. Yes. That was the car company. Yeah. Well, it was a power company.

oh sorry i thought it was like mitsubishi power they do power oh i was thinking of the car no okay okay cool sure but you're in a better job now so just why where where are we today that that's like what is going on that's what i asked well i guess i was just so okay so after all that you know spent a bunch of money spent a bunch of money on like you know move

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Moving, getting an apartment, putting in down payments, buying a motorcycle, and then what's it called? Okay, I don't think that's necessary to live, is it? I needed a way to get to places. You didn't have a way to get to places. Well, I did have a Jeep, but I had to sell that Jeep because the insurance was really expensive and the gas was like $100 a week. How much was the motorcycle? It was like $4,000. How much was the Jeep? Did you get for it? No, my parents bought it for me.

But it was like 18. Who got the money when you sold it? I got the money. How much did you get? I got like $13,500. It was a leak in transit. Where'd it go? Where'd that $13,500 go then? I bought a motorcycle and I moved. This is, okay. Let's give context to this because this is, I'm going to cut off your story. I'm going to cut off your story because let's have context, like numbers behind this because what the fuck?

Well, first, I always want to hear someone's own interpretation of their own situation. Give yourself a score of 0 to 10. 0 being the absolute worst finances possible. 10 being the absolute best finances possible. I say like 6, easily. Easily? Yeah. If you want your hammer financial score and you're reasonable about your expectations and not expecting something stupid like 6 if you have all these missed payments, it's free. It's in the description below.

Why a six? Well, I have a good amount of money saved up and my rent is paid on time and I have food. Okay, so basic requirements to the rent and food part. What's the money saved up for? Part of it is for taxes and then part of it is just because I was so scared when I did lose my job because I didn't have any savings at the time that I just... How much is emergency versus taxes? I'd say like...

I'd say like a third of it is going towards taxes and then the other two thirds I'm probably pocketing from what my finance app thing that I use tells me. Pocketing for savings? Yeah. Well, not pocketing, but I keep it in a... Okay. And I'm curious why...

We have like I'm looking at this if there is like a couple thousand dollars in savings or so, which okay cool What why do we have a late fee on the first card? I'm looking at what do we have a late fee on the first card if we have actual money sitting inside You're blessed compared to a lot of people that have been on and there's a fee doesn't make any sense any sense well 37 37 dollar fee with 26 of interest

This card, the balance went up. Shocker because of that. So what do we have? Bank of America. Everyone loves them. $1,129.50. Megan, for your income situation, fiance, right? Not married? Yeah, fiance. How does she contribute to the house? Does she? Well, I mean, she keeps the house clean. Okay. I get my din-dins and stuff. Oh, okay. So she does not bring in income is what I was asking. Yeah, yeah. Trying to ask.

Okay, $73 minimum fee payment. I'm pretty sure it's normally $45 but... Late fee for payment due: $37. And that's not your only one this year. So far we're not even halfway through the year and there's been two. It's been two! Why do you have a little bit of money sitting on the side more than most people on the show? But you have late fees! Not everyone on the show has late fees! Why aren't you paying your damn bills if you have the money? You have a kid!

Because, man, well... What? Well, see, the thing is, the thing is, I want to have some kind of, like, money to the side if something happens. Why are you not paying your basic bills six out of ten? Because I want to make sure that I still have some money to the side. But you're not paying your required bills. Like, that comes first. Like, you make the bill payment, and then you have the leftover money. You're just, you're skipping step one.

Pay your bills! But I'm gonna get to it. You're not! You have- you've had two this year. That little smirk, what the f*** is that? Sorry. I guess, you know. Well, 'cause I'm just like, at least I have the money and then once I- I will, you know, at some point pay it, I just need to figure out how am I gonna pay it. What do you mean you have the money?

Yeah, but then what am I going to have if something happens to me? This is literally making a $45 payment. If you have a few thousand dollars set aside, you could have made a $45 payment. But I need to make sure that I have savings. How are you not receptive to that? How is that not making it? How do you have to be so...

humans including all of us including me defensive defensive defensive but how that is like the most basic thing i think anyone could ever say if you have a few thousand dollars you can make a 45 payment how are you how is that how does that not make sense to you because it's just like then i'm not gonna have it

What, $45? Yeah. That's what's going to make or break when you lose a job? $45? You surviving is $45? You can make a week groceries out of $45. I get it. Oh, okay. Are you like really hard-headed? Just naturally. Your fiance, do you guys ever talk about that? Your parents? Well, my parents for sure, yeah. A little bit. Because you're very...

You're being quite hard-headed with this part of the conversation. I don't know how you just haven't been receptive to that. That f***ing scares me. It's just like, I guess it's hard for me to see the benefit versus having money in my pocket. You're a parent now. And I guess from my perspective as a parent... You want to see a benefit? I'll show you a f***ing benefit. You wouldn't have these fees there. You're losing money. That's a benefit.

Not dealing with the consequences. That's insane. What is this? What even is this? What is this? Is that Klara's? That's my Affirm. Affirm. I like Affirm, though. Great. Yeah, they love you. Are these all 0%? No. Then why do you like it?

How do you like it? Okay, see? And then you were talking about how much I was spending time talking about some TV and home story, but now you go. There you go. Now you get the context. Oh, you had to go get a TV. You can't live without a TV. How am I going to watch UFC? Phone.

You have one of those? I do, but I like to have the boys over. Okay. When we watch it, what are we all just going to cuddle up with each other and watch it on my phone? Sure, be a little gay. They'd probably like that too. Yeah, and go to their place. Your place is the one with the screaming child. I'd rather go to someone else's place. Hey, my kid's chill. She's cool peoples. Don't bother nobody. Okay, but still, come on. That's not a good...

Oh, your little smiles. You have a great smile. I hate it. Because it comes out in the wrong time. You know, my fiance says I have a sh**-eating grin. Have you ever heard that saying? You have a sh**-eating grin? It's a great thing to hear from a fiance. Sure. All right. Back to the TV. Back to the... You don't like getting called out for your little... Your energy? Your way of taking on life?

I think that might be an important part of your story. It's a pretty chill way about living life. Yeah, but that might not always be the best thing. Well... I know, people... Everyone comes into this conversation and they literally... They have an idea in their head where the conversation is going to go. But I always see different things than they expect me to see. That's how it always goes and then people are taken off guard. It's like, I don't know. You have an energy about a way you're presenting the world, right?

It's just like, I don't know. It's just so many things that happened throughout this past year that kind of just led me to being like, you know, throw it on the credit card or I can't pay this bill because I need to make sure that I pay for this. Do you have a kid now, though? And that's exactly why I have money in my savings. No, which I get that part. That doesn't mean we don't pay our bills and start having...

You know, people coming after the bills. It's just like, how? How do I? You have the money. Maybe, okay. Maybe we need to get through it and have a full financial picture so I can literally show you. I might have to show you. So Walmart, is that the TV? Yeah. Okay. How much is left on that? That one, I'd say like $300 or $400. Yeah. The total firm balance is $1,371.19.

NC S Pearson. What is that? That one I'm pretty proud of because this is a good thing. It's an investment in myself. Since I do IT consulting, I wanted to get myself a certification that I've been actively studying for. That's great. No, I'm good about it. But you financed it though. I don't know what these interests are. The test is like $400 or $500 and I just don't have $400 or $500 to spend. I could have gifted you.

an it certification through course careers they're my boys i love them they're great and i'll still gift you one but i guess you've already purchased this as well so yeah maybe i'll take another yeah you can take another i mean it's how's the it consulting business well i mean it's always good for just you know boosting resumes and income so that's good but okay the financing i'm not the i'm not against the education or things like that i'm against the way you went about it because again it's not like you didn't have money either

I mean, I guess... You're really a finance everything and make those minimum monthly payments stack up kind of guy. So let me calculate these minimum monthly payments. I feel a little called out right there because now that I think about it, it's kind of... Well, what the f*** do you think this show is? Then Universal... My fiancée kept complaining about how she had nothing to do. And maybe she should get a f***ing job. Sorry, that was... No. Listen...

Well, you know, it was something for her to go do with the baby, you know, so they could go. She could go. Maybe what is the baby going to do at Universal? Look at the little creatures, little thingies. They won't remember it. It's under three. There's pictures. Pictures are nice. Pictures are nice. And you can't even smell them in the pictures. So I'll be honest. Maybe I didn't have to get all three.

You know, like I didn't have to get my cell phone because I'll be honest, I never go. I'm always working. Well, I actually think just, you know, from the overview of your situation that I kind of have, I honestly think you could do a decent amount of this stuff if you literally just paid for it. Again, you're paying interest on these. What are the interest rates?

I'd say like honestly all of them are like in the 25 to 30 range. See, that's stupid. That's stupid. That's stupid. Why doesn't she work, by the way? Is it to take care of the kid? Yeah. Oh, then that's great. That's great. And if the house can afford it, it makes sense. So, okay. That's okay. Cool. So, yeah. Sorry about that. I hope we can afford it. I guess we'll figure that out. If you need to have a money talk and you don't have a kid, that you'll bring here and make my place sticky and stinky, which you didn't. Thank you. It's back in Orlando.

Kept it back there. Thank goodness. Feel free to apply. CalebHammer.com slash apply. Okay. So minimum monthly payment is like $127. Something like that. It was a little hard to tell. Here's more firm. Oh, yeah. That just kind of goes into like the percentages.

Oh, are these the same ones? Yeah, those are just showing how much. Buddy, you don't know your interest rates, man. Whatever this one was, I don't know which one this one was, but it's at 36%. 36% when you, again, have a little bit of savings. You're not winning anything. In high yield, the savings account that you're in is at like 4.4%, I think.

Buddy, this is at 36%. Which is a bigger number. It is a bigger number. So how does it make sense? And again, you're right. Let's have some money set aside. But if you're doing a $500 thing as an investment to create a better income,

How does 36% interest on that make sense? Because a network engineer can make $85,000. $85,000, you know? No, no, I just said that part was good. How does it being on 36% make sense when the cash is there? I guess in the moment, the way I see it is just like, I'd rather have the cash on me than knowing it's there. Okay, well, yeah, we got that.

I get that. Hopefully we can show you in the end that what you're doing either makes sense or doesn't make sense. The other thing, one of the other things you financed, again, I don't know which one this is, but it's one of the three farms. This one's at 30%. Imagine getting their TV at 30%. That's insanity. It's not even that good. Yeah, how much was it? I think the sucky part is... How much was it? It's like a $400 TV that I'm paying $600 for. You should have just bought it. Even so, you could have just bought it.

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You are the buying. We just did a story on our new show, Your Week in Money, about the prevalence of buy now, pay later. It's not a firm, but one of the other ones has got like record profits and their stock is soaring and they're about to go or they're about to do an IPO and their stock's going to soar. It's because of people like you.

You're just buying out, pay later, and everything. And they're getting a literal 36% return on every single one of their investments with you. That's crazy. You're making them money. You're their perfect product. It's incredible. You exist right now to give a firm 36%. That is not a life to live. It is so bad. Especially since we're talking about the interest that's accruing on that could be going towards a college fund for your kid.

Could be going to paying for potential daycare eventually, saving up to do like after school care if both parents want to work at some point. And I do want to do that. I just don't know how I go about making that happen. I'll tell you not how to. Not by losing 36% on all of your purchases. Like you're extending the price of your purchases by 36% if you want to think about it that way.

okay oh god amazon chase car bad one yes yeah that one that one i think is like one of my worst ones and how do we get in this place in the first place so the balance is at 5145 how did you get there because that's a lot of money it was originally just uh using it for groceries like i go to whole foods and then i get my groceries and then i pay it all right back as soon as i did that and then uh

something had happened in which my fiance had to go take care of her grandparent so she was there with her for like a couple of months okay and so i had to pay for my groceries and then groceries for my fiance for her day and then i then i on the weekends i drive out and like i told you in that jeep it's crazy gas dude so you couldn't budget this in have you ever done a budget

um like not really like i do a fake one in my head but oh that doesn't work okay go through our budgeting class every guest gets them for free go through our new investing class as well because you literally you get you get a hundred dollars of

a free hundred dollars for going through it thanks to mumu so we're gonna give that to you do you need to learn how to budget man i can't believe you never budgeted i just i get scared even with the investing stuff man like one time i like you know i got some advice to to invest in alibaba so i had invested like three grand into that and then i'm not gonna get that advice from ours and then at that point who advised you that it was like a buddy of mine he does day trading yeah listen to the buddy especially the day trading buddy you know his

Yeah, I ended up with like, it went from like $3,000 to just having 300 bucks. So, yeah, I haven't really touched investing since then. Do you not have a retirement account? No, I don't have a retirement account. Buddy, this is your best decade of compound growth. That money in there just continues to grow. Hopefully, you know, if invested correctly, doubling every seven or so years, seven to ten years.

That's the time. The time you're losing. And that is so that you can be set up for success. So that you're 9 month old who will eventually be like 35 when you're trying to retire or whatever. They don't have to forcefully take away from their life and goals to take care of their parents who were never responsible enough to take care of themselves. It's time now. You went from the young adult get the f***

life to nine months ago you're forced to now actually make sacrifices for on behalf of other people and that's really not an option at that point the kid didn't choose to be brought into this world and and you're right i just it's just different you know i don't i don't know where or how to start so i kind of just ignore it and then i'm just like you know i'm just gonna you know if i could pay the bills make sure we have a roof over you're not paying the bills you're not paying the bills you had a mispayment you had a mispayment

Let's see. Oh, good. A mispayment on here, too. Yeah. So, f***ing paying the bills. You're not paying the bills. You're not being a responsible adult. You're not being a man. I paid it a week later. You're paying them late.

And then you're paying extra fees on top of them. How long was your fiance there with the grandparents? I'd say about like six months. So $5,000 worth of groceries in six months? Well, then that's not including gas. $5,000 worth of groceries and gas in six months? And the cat. Well, there's this thing. No, no, the cash. Because you could get cash advances. Oh.

What were you using the cash advances for? Never cash advance. Well, I didn't realize how horrid the cash advance interest was. Why? How? Because I kind of was just like, oh, I could just pull the money out. You didn't think, okay. And so I was just, you know, buying. No f***ing way. That's a new one. You get a special little reward for that stupidity. You got your f***ing cash advance at like 30% interest rate to buy w***.

Not anymore. Not anymore, but you did? I did. That's f***ing insane. How much did you spend on f***ing? I'd say it could range anywhere from like $200 to $300. Now? Yes. So to be clear, your big fear that you've been telling me since the beginning is that you might not have enough money for you and your family if you get laid off.

but you're literally willing to spend $500 a month smoking shit and throwing it in your lungs, that's f***ing obnoxious. It's the dumbest thing I've ever heard in my life. You'd rather spend $5,000 giving yourself lung cancer instead of making your payments on time. That's the most immature, 15-year-old, dumb f***ing thing I've ever heard in my life that is so stupid, irresponsible, and childish.

borderline disgusting as a parent and as a partner that is your entire reasoning for never getting things in cash and financing them at 36% is because you needed money to survive on the side but you're willing to spend $500 on your own lung destroying smoke. Gross. And I have nothing against

I have nothing against whatever vice someone wants to do. We all have our own vices. But that was your reasoning for missing payments. That was your reasoning for getting 36% interest because you were too afraid of not having enough money on the side. And now we know $500 a month literally goes to child. I'd say more $300. You said $300 to $500. Either way, $5 is too much if you pay me $40. $40.

that's a eighth but no you're you're right okay are you trying to piss me off no a little bit why why that's stupid tell me tell me right now why are you here why are you here give me like an actual reason why you're here because i want to i want to plan because you keep telling me to like do all this to pay my bills but i'm just like all right how do i pay how do i pay them have you ever seen this show

Yes, I've seen the budgeting part. Because you applied through being a part of the audience, right? Yes, yes. I've seen the show plenty of times. Cool. So you know we go through the documents first to get a full understanding of your situation. You sitting there being a smart a**hole doesn't help anything. And then we f***ing get a budget at the end. Then we send you on your way. We do a checkup in multiple months. We answer any questions you email in. We put you through our budgeting program, our investing program. We help as much as we can. And you f***ing get the help.

You get the help that we try and you're being a smart ass sitting there. When I brought up probably one of the most egregious stupid things you do with your money. Stupid. What the f***?

Dumb dumb irresponsible not a parent not a partnership type of thing do you sit there? Oh, it's a nice like a child that pisses me off. That's dumb. That's dumb So shut the fuck up. I'm gonna go through this that's stupid. We can't shut shut for a second I know I'm being a dick people are probably not gonna like it, but they don't know what it's like to send in this Have a smart that that's stupid. Oh

Have you ever had to deal with people like you have to deal with in IT? You asking if I ever have to deal with people? Have you ever f***ing seen this show? Buddy, I have people like you on. So yeah, I deal with people. And you might do some good with some f***. It makes me very anxious. Gives me panic attacks. See? Well then, you probably went with the Sativa. Should've went for the Indica. Or Indica leading hybrid. Shut the f*** up for a second. I'm gonna go through this card. Shut the f*** up for a second. For a second. Just shut the f*** up. Your minimum monthly payment normally...

What's your... I don't even see a f***ing around here. Oh, the credit limit! The credit limit is $5,145. You're above the credit limit. $40 of fees. $116 of interest.

$118, sorry. Oh, and purchases, 15 bucks for purchases. Minimum monthly payments, probably 150, but you're stupid. - Purchases? - Yeah, purchases! - I didn't even realize I bought anything on that card. - Great, probably subscriptions. Amazon Prime something. - Oh, okay. - You ordered something. Noah, you better have something good in the post show 'cause I'm about to break this table in half. - We're playing Fruit Ninja. - Oh, we're playing Fruit Ninja with a sword. Good, I need to slash something with a sword right now, so thank goodness.

Can he be the fruit? No. We murder him. We murder the guest. First time. Sorry. Okay. Oh, and this isn't even your first time having a late fee this year so far on here. Of course not. Of course not. You've had maybe three. Maybe three. Maybe this. What a silly, obnoxious, stupid card.

you're obviously not a credit card person just like anyone on the show you should use the fizz card it's the only thing that makes sense for you you're forced to pay it off and it still builds credit that's the minimum monthly on that one less i think i just paid it before i got here is uh 375 yeah that's because you had missed payments those are extra added on top of that it's probably like 150 normally

I didn't know that. Yeah. You see the consequences of not being responsible? You see them yet? You have to pay a bigger fee, bigger minimum monthly payment. Oh, what is this? Florida Career College? Is that where you went? Yeah. I mean, hey, it got me five years of a career. No, I'm okay with that. I don't know the college. What I don't like is 2,373. They're giving a third attempt notice trying to get...

You still owe them money. Did you get the degree? Well, they never gave it to me. Because you haven't paid. Well, because see when they called, they originally said when you finish the cert or whatever, they're going to go ahead and give it to you, the diploma or whatever at the graduation. If you pay. No, no, no, no. They said...

You get it at the graduation, right? And then after you start going about your payments and stuff, right? But I ended up not going to the graduation because I was just like, I don't want to do it. I don't care about any of that. I just want my things. And then they're like, okay, well, you just got to start doing your payments. But I'm like, well, how am I going to go get a job if I can't show them that I completed the damn course? Just put it on your...

Do you think people actually are like physically come in and bring in your certification? Put it on your resume. At the time, I thought they would check because I was about to get a job with Dell and I wanted to prove it to them that like I did something. And then they're like, oh, well, we're not going to give it to you unless you start paying. And I'm like, I'm not going to start paying until you start giving it to me. And then like, well, we're going to your credit. And I said, way. Yeah, that's what a responsible adult partner and parent would say. I was like 20 or 21.

That wasn't even apparent at the time. So at the time, it felt like a very reasonable response. Reasonable?

You consider that reasonable? Yeah. Just give me the product and I pay for it. But it was probably in their terms and conditions. You smoke so much on a monthly basis, I doubt you're able to comprehend what was going on. But my other friends that literally took the course with me got their diploma because they went to the graduation. But just because I didn't go, I have to now pay. Okay, I get that. And maybe that's just how it works. Literally, you probably just had to make a minimum monthly payment. Just like one and they would have sent it or something. But you weren't willing to do that. You weren't willing to just...

Just grow up. Because they were one in the whole. Oh, my gosh. It's not a man type of situation, buddy. It's just do it. You paid for their services. They provided the services. Well, you said you'd pay for the services. And then you didn't. And they're not delivering the final thing. I'm not surprised. I wouldn't give it to you either if you didn't pay me for the thing you were supposed to pay me for.

To be clear. And see, the thing is, now I know that I have to pay it. Here's another excuse. Someone told me that they were going to pay for it. So that's why I did it. My parents were like, go to school and we'll pay for it. So I went to school. Honestly, they just kind of like, they said, you work now. You make money. You pay for it.

So I was just like, so I kind of just got stuck with the bill when the whole time I was just sitting there expecting, okay, it's just going to be taken care of. Okay. And it sucks he didn't. Whatever. We're just going to take your full word on that because, you know, no one else is here to. What if we call them right now? Would they agree? Yeah. Yeah. But I mean, it'd be in Spanish, so I don't know how good that would be. I have someone here who can speak Spanish. You know what? If you want to, we can. We can call. If she answers.

Because she can tell you that. That she promised she would do it. Yeah, she said she was going to promise to do it. And she was like, go ahead, put my card on it. We'll go ahead and get the auto payments. Wait, they put their card on it? They said that they were going to put their card on it. And then nothing kind of came up after until as of recently that I started getting said, hey, you got to pay for this. And I didn't even know that it wasn't getting paid for. We have a hero here. A hero that works here. He goes by the name of Puerto Rican Dump Truck.

Because he's a Puerto Rican with a massive ass. That's for the vlog people back out in the vlog days. We're going to bring him in and we can call her up. Yeah. Yeah. I'm pretty confident. She said, you know, she told me that she was going to pay for it and take care of it. But I used to have what seemed like a massive before I got fat. I'm just buying time while Noah goes. You look a lot smaller in person. That's what everyone says. That's what everyone says.

And then I'm like, I look like on camera people. But let me tell you, let me tell you, I was fit and my ass was just as big. Delicious. Lumpcious. Oh, if it's not the sword. Oh, so you speak Spanish? Yes. Uh, sorry. No.

No, no, I wanted to. Absolutely. So we need to call his mom who only speaks Spanish and confirm. Noah told me to bring the sword. What is this for? Just intimidation? Post show. That's foreshadowing to the post show. Oh, okay, cool. We're going to use that. But we need to confirm. You need to like, hey, I'm from this show. Can you confirm that you promised to pay for your son's certification at college?

College certification. I could try. Yeah. I'm with it. I don't have my phone on me, but I think I'll get it. Oh, he can... No, no, that's okay. I could translate, though. I feel like that might be easier. I don't know if

Yes, and they were asking me because, do you remember when I went to school? And do you remember that you told me that you were going to pay me for school, but then I ended up paying it?

Okay, well I wanted to... because they don't believe me when I say it, that you told me that you were going to pay me. Is that correct or not correct? And you said that you were going to pay me. And I wanted you right now for like $8,000. So I'm going to try to pay you then.

She said that she's not going to pay it then anyways. Okay. Why? And how could I make the payment directly? Well, if you wanted to pay it, you could pay it with... What's it called? I don't know. I don't know. With the... I don't know. I'm going to look for a paper and in that paper is the information.

Okay, you want me to send it to you? Can I ask a question? Yeah. Ask her why she agreed to pay for it, but she's not paying for it. Send it to me in email. Okay, and I wanted to ask you, they're asking me, and don't get mad, it's for the show, and of course they're going to do it like that, but they asked me, why did you say you were going to pay for it, but you haven't paid for it yet? That's the question. Because I have a mortgage in my house, and I haven't been able to.

But yeah, send it to me by email. The information is for me to send. And also, the story of the TV said it and I wanted to ask you why you took the TV, they want to know.

She's saying it's hers. It was hers. She's like, no, it's mine. Thank you, Madre. Okay. Thanks, Mick. See you later. See? Alright, well, since you might get murdered by...

yeah i didn't want to push too hard take the katana that we will be using in the post show to slash through fruits you can protect yourself that way uh interesting i couldn't understand any of it but mika told me that oh it's really interesting one reason why i wanted he said not to ask her but one reason i was like i kind of wanted to ask her so like it's what i would ask you like oh so you're a liar like that's interesting she did promise to pay for it and she's like well how am i supposed to pay for it with my mortgage

I don't know. I would feel bad if my kid went and signed up for all this money and I promised I would pay for it and then now it's on the kids because I let down my promise. I hate doing IT. I don't even like it. Oh, good thing you're getting certifications in it. It pays my bills. Okay. I mean, that's a different conversation. But I actually empathize a little more now. I mean, you've been a little bit of a... A little cheeky. Okay, yeah. But...

The TV. Yeah, it's theirs. Take it. I don't know. They can take it. I don't give a ****. But, yeah. No. If someone promises to do something, I don't like anyone who breaks their promises regardless. So, yeah. It sucks. It sucks. When you realize you had to pay for it, though, to get it, it's still the responsible thing as an adult where it's like, ****.

It happens. The world is hard. You know, bad things happen all the time. Yeah. You should have paid it. Just so you could... If you knew that's what you had to do in order for you to get the thing you needed to get the job, it was worth it. Yeah. I was just like, you know, I was just kind of hoping Papa Biden would be like, you know...

those those charges uh well they don't look like student loans though yeah it's like this one would be a private one yeah exactly so it wouldn't have been forgiven so papa b wouldn't have done anything private they were for federal student loans well i had some this is owed to the college this isn't even a debt in terms of student loan debt this is i don't want to have done anything i have one of those two though oh okay well let's keep going then what is this

What'd you finance for $939.99? Oh, that was my, that was my phone. Okay. Well it's a 0%. So that makes sense. And then we'll incorporate that into your phone bill typically instead of writing that down. It's a separate debt. Uh, okay. Here's the Mojito. Yeah. So this, this, this would have been forgiven, but it, you know, also wouldn't have been because it got struck down by the Supreme court. So it doesn't matter regardless. Okay. So student loans.

So you own your motorcycle right out? Yeah, I own my motorcycle. And that's your only vehicle? I have a 2005 PT Cruiser I got for my fiance. Okay, so we can carry the kid around. I was going to say, how do you do that on a motorcycle? $5,496.92 on the student loans. Thanks for letting us call your mom, by the way. Yeah, of course. I mean, I'm not going to lie, I was a little scared. I was like... I know, that's why you have the zero safety katana. So, minimum monthly payments, are you making? Yeah.

Not right now. I'm not. Are you on a payment plan that says you don't have to or are you just not paying? I'm just not paying at this moment. I just found out recently. I got the email within this month that says, hey, you should be paying it. And then all this time I've been sitting here thinking that it's been getting paid for. Paid for? How? Because like I said, I had sat here thinking my mom has been paying for my student loans. I never looked at it. The student loans, not even the certificate. And so that's why I was just like, oh.

What led you to believe that she was paying for it? Because she said a long time ago that she would. Yeah. And I just never got any. And you gave it to her saying, okay, here it is. Here's what you agreed. You gave it to her? Yeah. Like I set up the app on her phone and everything. And she said, yeah, I'm going to put my card on there. I do believe you. I do believe you after that conversation. I do. Okay. Well, luckily there is a little bit of a grace period. Interest is accruing.

Might be fees, but it's not negatively affecting your credit right now until this fall, and they're not going to garnish your wages until this fall. But if you don't start making your payments on there, they will start garnishing your wages this fall. Even if I'm a contract worker? Oh, yeah. Why would that matter? I don't know. I was just like, how would they know I got my money? Well, you got to report it. Unless you want the IRS to come get you. I record all of it. Well, there you go. Very good. Yes. And they would want you. Okay, come on. I do. Okay.

Yeah, but do you? I do. Why are you on here again? Because I don't know what to do with all this stuff. And I don't know how, you know, how to. And then, you know, I think about the show because I have seen the show, man. And I do think about I'm like, holy crap, man. I don't want my daughter to not be able to do cool stuff because I keep living paycheck to paycheck or me being stressed out. So you keep adding minimum payments to your life through terrible financing.

Okay. Well, we're almost through your statements. $363 in a checking account is a terrifying thing. Disney Plus. For the kid, kind of. Amazon. Amazon. Go in a store getting some bulls**t with a fucking sweet treat of some kind. Go in a store getting some bulls**t. Oh, it was a NASCAR event. That one. Great. Some in-app purchase on your phone. Go in a gas station getting some bulls**t. A vending machine.

A clothing company, $63, AYR. Gator Vending. Going to a gas station, getting some bullshit. You're probably going to want to know this, but the AYR place is the dispensary. The AYR is the dispensary. Hulu. Not putting that in your budget, buddy. Going to a store, getting some bullshit. Hulu, Spotify. You can listen to ads when you're trying to get out of debt. It won't kill you. Amazon, Wendy's, McDonald's. Man, I've had my Spotify since I was like 15, though. Oh, no. Oh, no.

What, like you get like a reward for that? Who gives a f***? It's not an old sentimental car. It's hard to let it go. No, you're not letting it go. You just listen to some ads after every few songs. Like an ad. Like a 30 second ad after like four songs. It's such a minor sacrifice. Going into gas station, getting some bulls***. There's the dispensary again. Canva. Overdraft. Overdraft. Overdraft.

You have a kid, you're missing two payments on credit cards, we have an overdraft. We're getting things at 36% interest and we haven't paid our student loans and we still owe money, back money to a college. This is a mess. This is a mess. Your finances are the finances of what a 10-year-old would have if they could have access to debt and checking accounts and jobs.

See, the overdraft, I already knew was going to come. Then why the f*** did you allow it? Because. Instead of moving money over. Because I make sure that I save at least $1,300 to $1,500. No, no, no. You can go f*** yourself real quick because you know why? Buddy, we saw Wendy's like five times in there, the dispensary, all that s***. You were having this fun going into gas stations and getting some bulls***.

You were having all this bullsh** spending and you knew you were going to overdraft. That means you are not sacrificing. You're not willing to take any hit of your own fun for the sake of your own finances. Like, it just, what hope is there in that case? Well, I was kind of hoping you might be able to help me budget it in. No, no, no. You just said you've seen the show. Stop being a little cheeky. Seriously, for a second, you little f***.

I am. I am taking it seriously. It's just like... Have you ever seen me budget in Wendy's when someone's getting out of debt and not making their bills? Okay, no, not the Wendy's. Okay. Overdraft. Some fee and then another fee. Your business account, $310. I don't feel too bad about that one. Vending machine, vending machine, vending machine, Amazon, DoorDash, more Disney Mobile, $80, something high-end florist...

and some flowers it was my fiance's birthday from a business expense well wait can you not do that how's your business formed was it an LLC yeah all right so the the LLC is more used as a pass-through in general but this starts messing it up it starts getting messy at the end of the year when you are trying to do your taxes or a quarter by quarter basis you're trying to figure out what you're able to deduct what you're able to write off what was business what was expenses all that this is not a business expense

So it just starts getting confusing and harder. And then he went to a natural attraction, some Esperon Lagoon, and going to a gas station to get into bulls**t and Chili's. Huh? It was my boy's birthday. Oh, another business expense. Good. And then Chili's, they give you two beers off the rip every time. And you got to love it. And we know you love your substances, and that's also a business expense, right? Great. Let's talk a business. Brooklyn Water, the big old place, and then...

You door dashed again. Your spending is all stupid, buddy. All the spending is so stupid. Then you have $5,000. It's like close to six. I'm confused. You said about a third of it is meant for taxes. But by the end of the year... Because I've already paid two quarterly so far.

Oh, okay. And then after I can, each of my quarterlies are like seven 50. And then, uh, then after I go ahead and just, uh, I pay from what my, my finance people told me is that I'm going to end up paying after my quarterlies about $9,000. And so I have it estimated that if I keep, uh,

But if we only got to like $5,000 halfway through the year, that means you'll be like $10,000 by the second half of the year, meaning that $9,000 would only give you your remaining $1,000 for your emergency fund. That doesn't make any sense. No, I should have more because I'm saving about $1,700 every month. No, with where you...

Because I'm making sure that I'm taking away some. No, but first of all, no. Yeah, okay. So, yeah, but then after quarterlies, though, some of it goes away. And then after that, we're halfway through the year, buddy. We're almost halfway through the year. You got $6,000. So that gets you on track of having $6,000 per half a year, giving you $12,000 by the end of the year after the quarterlies. And if you have to pay an additional $9,000, it gives you $3,000 for an emergency fund.

Does that not make sense? That's how your math is lining up. I can only go off the numbers that are given in front of me. Plus, you're actually saving up for this quarter of taxes anyway, so it's going to be taken off. I think you save about a quarter after the tax is paid only to go towards the $9,000, about $2,500 to $3,000 a quarter on the high end of extra. So I don't think you have the money left. You said a third of it was for taxes. That can't be true. Mathematically, that can't be true.

That can't be true. Because see, I did originally have like $7,000 something dollars, but I've already gone through two quarterlies so far. Exactly. So I'm saying after quarterlies. I'm looking at the trend after quarterlies and where you are. So you're not taking that into account. I have actually. With the amount of money that I'm saving, I'm estimated to have about $14,000.

Because if I'm saving $1,700 a month. Okay, let's say you have $14,000. That means by the end of the year, your emergency fund would be $5,000. And that would be great. That's kind of like what I'd love to have. Okay, but you said a third of this was for taxes, and that doesn't line up. And I'm being generous with you saying you get to $14,000 because on track right now, you could be on track potentially, maybe. I don't know. Because you still have the quarterlies for this last quarter to be taken out. And you're not taking them.

No, for the quarter we're in now. Yeah, I did. I paid it. One month or two. It would be paid in June. You've paid Q2. Yeah, we paid Q2 already. Okay. So yeah, 13, 14 could be possible, but it's certainly not a third. That's kind of why I've been ignoring it the whole time because I was just like, let me- Also, what is this high yield savings account? If there's a $2.50 fee- There is?

no no no that wasn't a that wasn't a fee that was when i was paying the the treasury that like when you pay taxes it's like charge me two something dollars for that but i don't i don't think they charge any fees for having the money in there okay i hope not because that would just essentially void the purpose of having that interest in there yeah and the gula goon i did i just didn't want to take it from my it's so weird that you are not making payments you could put your your

you you're you're just this is one of the weirder financial situations i've seen it's really weird let's get you a budget because i don't think you need to be i don't you need to be so much more intentional and smart with your money okay uh income what comes in after taxes on a monthly basis normally okay so what we had payroll five thousand dollars but you set 30 aside for taxes

Yeah. Like I'd say like I get each paycheck comes out to be about like I typically try and get them to come out to twenty six hundred. OK, so five thousand hours, five thousand hours, 70 percent of it. So let's say like thirty five, thirty five hundred is your actual usable income on a monthly basis.

Just based on the numbers we have in front of us. If you're setting the right amount aside for taxes to be safe, it might be a little overdone. Because I think I'm putting away like 18% to 20%. Okay, well, the income you had come in before taxes was just under $5,000. So I'm saying you set 30% aside of that, leaving you 70%, which is $3,500. Okay? It just looks like a lot less than I feel like I have. Maybe you're not putting enough aside. Maybe you don't know. I don't know.

Maybe you can set 25% aside, but... Yeah. Well, you've also never budged it. That is true. I am what they call mentally... Okay, what's your... And financially... That part. And what's your rent? My rent is $1,470 for a two-bedroom, one bath. Utilities? I don't pay utilities because... Baked in? My fiance's cousin sleeps on our couch, so he pays utilities. Internet? So him too? Uh...

for the internet internet i do pay i pay about 70 bucks oh kind of expensive yeah this is like you know i do it and stuff and so gotta make sure i have a good connection google fiber gigabit is like 35 bucks i don't have fiber in my place so i've kind of just like screwed with what i have renters insurance renters insurance i don't have that that just gets charged into my what's your total phone bill

It is $125. When you pay that phone off, switch to helium. It makes so much more sense. Same towers, 20 bucks a month. There's no reason not to. Gas, vroom, vroom, drive, drive. For your wife's car and your car.

I'd say like, I'd say like 60 bucks. I only really need like seven or $8 for my, for my motorcycle. And then her, it's a PT cruiser, man. So it's like car insurances, car insurances, uh, for both the motorcycle and the car, I'm spending like two 30 for both of them. Uh,

Okay. It's not thrilling. TP fun. Anything else you need is five because of baby. It's going to be, I'm going to go more 175 actually because of wife. She doesn't make 200. Okay. Yeah. Food necessities. She mostly drinking these days. No, no. She's on, she's on formula, but she's, she's on the track to get off of it soon. So she's drinking a lot less. Okay. Groceries. I wonder, I think we could do 600 again. When you go through the program and you really build your own budget,

You're really going to get it more official, but I think we could do $600 there. Anything medical? Like, I have, like, well, no, right now we're on government insurance, so, like, they're paying for it, I think. And there's nothing that you have to? No, not as far as I know. You know that's going to go against your taxes as well. For realsies? Why did they offer it for free then? Well, it kind of offsets it. Oh, shit.

You're talking about the affordable health care exchanges? I think so. I was paying for private insurance before, but it was just too expensive. Well, you are right now. It's subsidized through the government. Unless, are you saying you're on Medicare and Medicaid? Yeah, I think so. Because it says, like, you know, zero monthly payment. I just have... Well, that's... Okay. Okay. Who's your health care provider? I don't know. My fiance knows that kind of stuff. Okay. Well, that's not helpful. Jim?

Yeah, I go to LA Fitness. How much? $55 and then Jiu Jitsu gym for $125. Do you have to do that one?

yeah dude i love it i love i love to do that stuff okay let's see if it fits in the budget because i love isn't necessarily something that needs to be in a budget i'm gonna allow disney plus for the kid what is that like 20 bucks i i got the i got the the triple bundle thing so like i'm paying basically like 2025 for three services yeah that's what i thought i saw okay 25 do i allow that i'd allow the disney plus for the kid isn't the ad version like eight bucks we're gonna do that kid won't even know it's watching commercials

you really want to stop my kids bluey time though eight dollars let's say okay um anything else you need to survive what about co-pays for medical stuff uh so far i haven't seen any co-pays would you even know

Honestly, no. I usually send my fiance. You guys need to get aligned on money. She should be here, honestly. You guys need to talk. You need to figure out what your goals are, what you're trying to do. Your rent's way too much for, well, it's on the edge of too much for sure. Just over. But you need to know what is coming out when she's out and what's being spent on medical and all that stuff, what your situation is. Good news is you do have leftover.

after you set aside for taxes 2,943 but of course take that from the 3,500 ish every month it will be up and down a little bit but should have an extra 557 dollars left on average based on what we have sounds about right because that sounds about how much i'm trying to put away

I do want a one-month emergency fund. I want your emergency fund and tax account separated, though, to do two different savings accounts or at least two different buckets if they can do buckets in that. I think you're in a firm. Okay. It's really messy. Set the 30% aside for taxes, maybe 25%. Probably 30% of what you're doing with health insurance. We don't 100% know. But be aware of a potential bigger bill at the end of the year that you're not aware of.

Could also be a reason why he's having you set aside an additional nine on top of quarterlies. So you can probably take from that tax account with where you are $2,000 of it, I think. $2,000.

into savings put that in another savings and keep the rest for taxes okay uh what you need to survive is three thousand dollars and i want you to have at least one month emergency fund so what we're doing for two months the first two months of this process okay is we're throwing that into the savings and you have just over a one month emergency fund okay from there student loan payments by the way i didn't calculate that they're probably going to be something like 75 bucks so we got to add that in as well

So you actually need $3,000 to survive just about because of that. I'm going to do some rounding on that part. It's about $490 left on a monthly basis now. Oh, no. Because you need to start making those student loan payments because they are going to start negatively impacting you once that grace period ends. And then that's coming up very soon.

Y'all gotta use my favorite high yield savings account where you can get up to 4.6% on your money plus FDIC insurance up to $2 million. You can also get up to $300 for signing up today. It's the personal high yield savings account that I use for my money, so don't let your money be losing money while it's just sitting there. Click on the link in the description below and get those bonuses. Oh, this actually isn't even that hard, man. Your 10 isn't even that crazy. You're just insane with it. You're just so stupid with it.

Of course I'm not putting weed in your budget. It's just like how? Like where? I guess like I'm not seeing what you're seeing. You have an extra $490. You have a one-month emergency fund after two months. So, okay, lovely. You're literally able to pay off Bank of America in two months. So by the end of month number four, Bank of America cards paid off. The affirms, bad interest rates. Those are paid off in an additional three months.

So we just completed month number seven. Going into month number eight. Month number eight, let's pay off the college in two months at that point with the extra money we have left over from paying off the other cards. So we have left over money on a monthly basis now. That'll... Eight, nine. Just completed month number nine. Headed into month number ten. Month number ten, this is where we tackle the...

Amazon card that's probably gonna be about four thousand seven hundred by then because you're only doing minimum with the payments with you also not purchasing on them if anything I'd actually close the accounts but you probably have an extra just about you're gonna get this six is that gonna negatively impact my credit if I once I can we can talk about in a second that'll take about seven months to pay off we just did nine so that's sixteen months yeah

almost a year and a half it's not bad student loans had minimum monthly payment till they're paid off and the minimum payment is only 75 so with that that's actually pretty okay and at that point you have an extra like almost 700 basically 600 700 maybe 750 dollars left on a monthly basis two thousand dollars in an emergency fund let's get you to because you brought down your debt payments

You know, I'll say this and people have already realized it because they've been watching it. This is live to you and me, not to everyone else that are able to think through things a bit more, but I did a dumb and didn't put your debt minimum through payments in there. So it's actually going to take twice as long. Minimum through payments were not put in the budget and that was my fault. I just missed that somehow. So it's about three years, three years in your debt free other than the student loans, but three years also really isn't that bad.

Just take the numbers I gave you and essentially just times them by two, and that should work. Should work, but still not that bad. And then at that point, then you really have an extra $500 off on a monthly basis. And we're going to do an $18,000 emergency fund. It's a six-month emergency fund for you, minus the $3,000 you already have in there. Divide that by the $500 you have left over on a monthly basis. Takes another two and a half years. Oh, God.

Five years to have a fully funded emergency fund and pay off all your debt. I'd rather you go quicker than that. And you can go quicker than that by also increasing your wage because through, you know, the certification you're doing now, getting the one you already have on your resume, maybe the one I gift you as well. Shopping around, job shopping, you haven't been there very long. Yeah. So let's, you know, show that we've been at a job a little longer and obviously use the one you had previous for your resume as well. But,

now that we know you're on the lower scale, at least again, Texas, you know, Florida could be a little different. Maybe it's a little lower there, but let's, let's pretend that you're still just on, maybe it's a little higher there, or maybe the average wage is a little lower there, but you're still on the lower end of the scale. Probably. Yeah. You know, increase an extra few bucks an hour, you know,

buy a better job, getting some raises. With that, you accelerate this process dramatically. I really think this is going to be a total of a three to four year process instead of a five, but you do have to budget. You really do have to budget. And at some point it'd be great if she could bring in money. It's not necessarily required, but it'd be great if she could, even if it's just a couple, you know, just like a part-time job on the side every once in a while. It's,

You guys are 25. The kid can't form concrete memories until they're about three anyway. So you may as well grind it out now. If you both grind it out, if you work even more hours, if you get a part-time job, the more money you make, the better you can budget and cut down and stop the smoking as well. The more you do that, buddy, in two to three years, if you really go hard, you could have it. You could have it f***ed up.

dealt with. But you also have to just at least make your minimum monthly payments and you're not doing that and that's what f***ing scares me. Your behavior is what scares me. So, and I get that we just did this budget, but I would, I kind of did have a plan to go on a cruise this August with my fiance because like, you know, we're engaged, we don't really get to do much. First of all, you guys just went to Universal. That is something. It's more than a lot of people get to do.

More than I got to do until I was like into like late high school. It was like, you know, a kid, my family. Well, you guys aren't even married. It's not even in a honeymoon. See, but it'd be nice to just like, you know, go to a courthouse and just go on a cruise. Oh, well go to the, sure. Go to the courthouse and get married, but you guys can't afford that right now. Again, this is a sacrifice for your future. It's a sacrifice for your kid's future. It's, I wouldn't do it. You haven't bought it, right? No, I haven't bought it yet. Okay. That would have been the main concern. Yeah.

Normally I'd yell at that, but my throat hurts and it's just like, I've just, oh, so what I'm already, I'm already kind of defeated from your lack of payments and just your behavior in general. So it's just like, I just don't know if any extra going into you would even help. To be honest, you should know that that's bad. I hope you know that that's bad. I hope you don't do it. I hope you're an adult for the first time in your life. You act like a man, you act like a partner, you act like a dad, you act, you just, I just be an adult. Finally.

Don't do it. It's dumb. So no. So your question is denied. Okay. I can accept that. You won't go on it? Yeah. Thank you. Okay. Well, there's a win to end this. Spending on a budget. Spending was bad. It wasn't the worst we've seen. Let me look at the pie chart. Let's see where our categories are. I could cut back on the...

Uh, yeah, to zero. Going out to eat 300. It wasn't good. Miss Laney's f***ing F-139. That's definitely not good. God damn. Uh, yeah, so maybe don't do that. Debt was so insignificant. It was only 1.5% of your thing. We actually had to stop you from smoking before coming on. You were like, oh, please, Mr. Producer, Mr. Noah, let me spliff up before we come on. And Noah was like, is he allowed to smoke before? I was like, no! F*** no!

Just call town, dude. You don't need to smoke in every second of your life. Legitimately, though, I know there's actually been more conversations because it was always among the conversation that, no, it's not addictive and stuff like that. And then now it's becoming more a part of the conversation. People have found themselves like it's become a major part of their life and they're like, wait a second. So if you need help, reach out, help. If you need resources, I'm happy to connect you with them. We're happy to connect you with them. Spending your budget is going to be a three out of ten.

Because those percentages, I just wish more went to your debt, obviously, but the percentages themselves weren't the most outrageous thing in the world. Debt. One of them's in collections that immediately brings your score down to a 0 out of 10, that college thing. Well, it's internal collections. Internal collections. Maybe I, hmm. You're missing the payments. The debts are honestly not the end of the world. What's the end of the world is you're not paying them. So the debt you have itself, the score of the debt...

I would say is a 3 out of 10. But because you're not putting the money towards it and paying your... That's going to bring your spending in a budget to a 0 out of 10 because you're not budgeting correctly. You should be paying your minimum fee payment. So they just kind of swapped. Emergency fund. You have started. It's confusing with what's going on in taxes. What's going on in emergency fund? You started. It's a low. You're hoping to get somewhere by the end of the year. I'm going to give it a 2 out of 10. Retirement. Retirement.

No. Zero out of ten, that's stupid. Best years of your life for Comic-Con. But go through and say zero out of ten. That is going to be a hammer financial score.

One out of ten. Make sure to check out all the resources linked in the description below. They are what I use or would use in specific situations, including our brand new best of the class, best of the world, best in the history of the internet investing program that you get for free by taking it because MooMoo gives you $100 worth of free stocks that I personally chose and because they're the ones I invest in. So make sure to check them out and stick around for the post show.

Today on the Financial Audit Post Show. The way I was seeing it is like, I already got some land and shit out in like another country. You said something that sounded almost good for a second, and then you went complete insane again. In another country? What other country? Honduras. Okay. How are things going in Honduras these days? Not so great, actually. They have a narco president. He just got arrested recently. A lot of violence. Great. Probably one of the most dangerous places for women. But...

You could do what you want with your land, which you can't do here. Yeah, until you're a woman on that land, right? To watch the Financial Audit Post Show, click the Join button below.