$160,000 Of LGBT Debt | Financial Audit

I am here to get revenge on my ex. >> So, we're here to fix your finances so. that you can be like, "Look what you. missed.". >> I've already got revenge in one way, so. I'm trying to get revenge in another. >> What the does that even mean? >> It acrews 11% a month. >> Yeah, it's a. >> a month, not a year and then broken down. month by month. >> It is 11% a month. What the he did in. cash advances? Never even seen that on. the show. >> I needed money to gamble. >> Oh, [ __ ].

With a refresh look and upgraded. features, download Dollarise, the best. budgeting app there is, and until. October 27th, you can lock in the first. 3 months at over 30% off. Or upgrade to. annual and save an additional 25% and. get a free signed cookbook by me. Download the Dollarise budgeting app. today and take advantage of your free. trial. >> I'm Xander. I'm from Houston, Texas, and. this is Financial Audit. >> And how old are you, Xander? I am 26. >> Perfect. What do you do for a living in.

Houston, Texas? >> Um, currently I am a car salesperson. >> Okay. Yeah, Houston drivable city. It's. the only way to get around. It's a. horrible place to live. It's only a. highway. I get it. You probably do well. Do you do well? >> Um, I do okay. I don't I wouldn't say. that I'm doing well. I'm getting back. adjusted to it, but I'm definitely doing. okay. >> Okay. And what's okay? What's hitting. your account? What are we talking? What's the money? Yeah. So, I'm paid. purely as commission. I don't make a. salary. And it is essentially um I get a.

prepayment every month of my commission. check called a draw check um which is. $3,000 a month um before taxes, before. insurance. And. >> I have not surpassed that since I've. gotten back into the car business. >> Why? Well, how long have you been back. in? >> Um I got fired from my last job in June. and I came back in July. >> So, the same job? >> No, different job, different field. Why. did you get fired for Oh, from a. different field. What was it? >> Um, I was a So, I was in car sales in 21.

until 2024 and then I went and worked. for a school in admissions from December. until June. >> How do you get fired from admissions. where you're not admitting enough. people? Did you a student? But I didn't. >> What? >> Sure. >> I was I was a good noodle, you know. >> Oh, I know you like a good noodle. That's for sure. Um so essentially um in. May I had surgery and then they ripped. me on that. They said that I did not.

perform that week well enough and then I. went back to work the week after. >> Okay. What was your surgery? >> Um so they. >> which is minors and majors. >> So I had surgery at the base of my. spine. Um there were cysts that were. growing their pilonidal cysts and they. were worried that the multitude of them. was something more serious. >> Dude, >> I'd love to. They are painful. essentially imagine that you're like. your butt crackers can't close. >> No, thank you. >> I would not like to imagine that. >> Yep. >> Okay. >> Um they wrote me up for it said that I.

didn't perform well enough that week. Um. and then. >> so you got fired for not being able to. close your butth hole. >> essentially. Um and then the following. >> I'd fire someone for that. That's nasty. >> I mean essentially if you know that if I. was in that line, the oldest line of. work, maybe. But maybe not if I'm. sitting at a desk all day. >> Okay. So, you got fired and went right. back into car sales. Were you doing well. in car sales before? >> Um, I was doing okay in car sales. I was. beating my draw. Like, I was making a. decent living, but I was also over.

>> in Houston. We're talking ranging from. 55 to 60 a year is what people are. making in car sales. >> It's about what I was making. >> average. >> about $5,000. >> You're not meeting your draw. What are. you having to. >> Are you accumulating a debt or is this a. draw that breaks uh cuts even? >> It cuts even. So, if I don't break the. draw, then I just get paid. It's. essentially meets minimum wage. Okay. So, you're hitting three. Well, what. hits your account? Because you said. that's before all the goodies. >> Yeah. So, I make about $1,100 every two. weeks. >> So, it's about. >> 22. How are you doing on 22, big guy?

That's kind of not wonderful. >> No, it's not great. Um, essentially, I. didn't really want to go back into car. sales when I went back into it, but. >> sure not. Remind me, how many months has. it been? >> Uh, three. >> Okay. Yeah. You're literally making less. than $30,000 a year net in the fourth. largest city in the United States. That's not not great. >> No, it's it's not. Um, essentially, uh, beforehand at the old job, I was making. anywhere from, you know, 4 to $6,000 a. month. >> Um, which is still a little bit, but.

that was consistent. I was an hourly and. a bonus employee. So, like it was better. than what I was making before. >> Okay. What's What are you trying to do. now? Is does this has the feeling of. temporary just to try to survive? Like, what are we what are we doing? So, um. I'm in school. I'm getting my accounting. degree. >> You're in school? >> Yes, I'm in school full-time as well. >> Accounting degree. I'll get you. accounting certification course careers. as well. A lot of people out there have. used it and that has got them good jobs. >> Yep. I'll have my associates in um the. end of this semester. I'll have my first.

part and then I want to go back for my. bachelor's um and get it in business. administration. >> I mean, that's pretty good. But that. means you must not be working a ton. >> Um I'm working full-time doing both. I. go fully online for school. >> Okay. So, what are we talking about. today? What's going on? >> I am here to get revenge on my ex. [Music]. >> Get revenge on your ex? >> Absolutely. >> Are you about to call him names? >> Um, I want to put myself in this like.

really good situation so that he can see. that he's missing out on everything. >> Oh, so we're here to fix your finances. so that you can be like, "Look what you. missed.". >> Absolutely. Oh, well, if you're on this. show, he should be glad that he's. missing. No offense. >> Well, his finances are definitely worse. than mine. So, >> no way. Why is he not on the show? Because, listen, you have to honestly be. a part of the worst of the worst of the. worst finances in the United States of. America to get approved to be on the. show. Just going to let you know. >> Yeah. No, my finances are not great by. any means when it comes to the decisions.

I've made. However, >> why are you trying to get revenge? Um. because the entire time that we were. seeing each other um then was told that. we weren't dating, I was just a friend. Um he was cheating on his boyfriend with. me. >> The the the gays. We love them. Big fan. of the gays. Um I've uh. >> that makes one of us. >> Yeah. Well, you're a you're a gay. I'm a. fat. You're a fat I'm a. >> cub. >> Cub. Yes. As we established, that is.

true. We make fun of everyone here. I. don't give a uh but yeah. Okay. So, well. that's weird. Usually gays are able to. uh and I say that in the most loving way. possible each other constantly and they. usually stay together. >> Yes. So, the whole situation is kind of. they were open when we originally. started messing around and started like. talking and then whenever everything. kind of shifted, they closed their. relationship after Pride and he lied to.

me the entire time saying they were. still open until August. >> Ooh, maybe he liked the degeneracy of. it. >> Mhm. So, they were monogamous from. >> Wait until this August. So, this just. happened. >> This just happened. >> This just happened. >> Yep. >> So, that's why you're here. Okay. >> I've already got revenge in one way, so. I'm trying to get revenge in another. way. What's the first way I have to. know? >> Me and his ex are now sleeping together. >> Does he know? >> He does now. >> Now with this. >> with this? Yeah. >> Someone may or may not have said that. they would send him the link to it. >> Beast.

>> This is crazy. No. >> Yes. >> You offered to text the ex with a link. to the episode. >> Yes, she did. >> Oh, Lindsay did. This is messy and I. love it. I love it. I love it. This is. crazy. Um, you know what you should do? Can I give you the ultimate revenge. strategy? Absolutely. Um, asleep with. Brandon right now. He has he has. ganorrhea, chlamydia, all the good. stuff. So, and then you pass it to the. ex and then the No, no, no. You pass it.

to the ex's boyfriend and then the. boyfriend passes it to the ex and then. all of a sudden the ex has gorrhea and. chlamydia. It's incredible. What a. prank. >> Yeah. No, no, thank you. >> Okay. >> As much fun as that would be. Um we we. both just recently got tested and we're. both clean and I I ain't messing around. with that again cuz it also turns out. that we were not the only ones that he. was sleeping with. It turns out he was. sleeping with other people too. >> But they're still together. >> No, they're not. They broke up in. August. >> And that's So the whole tea on that is. that.

they broke up. We went to a birth his. birthday party, the main guy's birthday. party for all intents and purposes. Um, he took us all out to for his birthday. We went to like a Korean barbecue place. He brought his ex with him that they had. recently already broken up. Like it. might be easier if I like write this. down. Can I see? >> Oh, he wants to draw. >> Yeah, >> the gays are artists. >> Oh, not that kind. Um, so we all went to. dinner. Um, and then his they broke up.

in August, right? So in August they were. done. Um, >> is anyone eating ice cubes at dinner? >> Um, no, because I am on fiber pills, so. I don't have to do that. I actually eat. food before and after. >> Well done. >> Yep. So, they broke up in August. Um, and let's say this is my friend over. here. >> Sure, that works. Um, this is my friend. >> Looks like me. If you think you see the. man in this sketch, they want you to. call the police tips hotline. That.

number. >> Sure. For all intents and purposes, this. is Caleb. Um. um and Caleb knew the whole situation. between me and um. >> Marcus. >> So um we'll make him look like a dead. person. Um so then he knew everything. about this and then the whole time that. I was with. >> Marcus, >> he was with. >> Steve. >> from Minecraft. >> No. Ew. I'm not into.

>> like a sassy bottom. Oh. >> no. I am a bottom. So, I'd rather not be. with the bottom. >> We can talk. >> I mean, they they make those, you know, double-sided ones, but I'm good. I'd. rather have the real thing. Um, so then. this is. >> Steve. >> Um, he was with. >> Steve. >> And then there's me down here. >> Um, I'll put me a smile cuz I'm happy. about. >> running a train on you. >> I mean, wouldn't be the first one. Um, so. this whole time was with me, but he was. also with. >> Steve. Whoops. Um, Caleb knew that we.

were a thing. When they broke up, Caleb. and Steve became friends and Caleb. realized none of the timelines matched. up. >> Uh-uh. >> So then Caleb got me involved. >> and then we became friends. >> And once we became friends, I kind of. invited him out to go get Boba. And then. I was like, "Hey, by the way, I have. something really terrible to tell you.". And then told him everything. the fact. that. >> well that's what we're having Boba Yeah.

>> Yeah. So um and then ever since we. became friends and then in a more recent. development over the last like 3 weeks. we've beening. >> Can I see a picture? >> Yes, you absolutely can see a picture. >> Lindsay requested for me to see the. picture by the way. I just want to I. want to throw that out here. And the one. we're trying to get revenge on by fixing. our finances. >> Absolutely. >> Out of all the motivations for someone. to fix their finances on this show, this. one might be what gets someone to the. finish line. I'm a penny. >> If if if if gay couples are the ones.

that break up the least, why are we. never getting gay male cup? [Laughter]. >> Okay. >> Yeah. >> All right. >> So, >> Latina buff Latina. Sure. Latino. Sorry. Latino. >> Latino. Batty. >> Latino batty. Okay. >> Because we never get the gay guy. couples. We get the gay women couples, which is just gay. Like where's where's. the dudes? >> Probably. >> Probably. Okay. So, what are what what.

is wrong with your finances right now? Like why why are we in the situation. where he'd be ashamed? Would be ashamed. >> Um. >> like happy to not be with you. essentially. >> So, and also I do want to point out his. finances are much worse than mine. because he instead of taking his mom. pulled out a whole bunch of like credit. cards and debt in his name when he was. like younger and instead of actually. like fighting any of it, he's just like, "Oh, I'll just pay it then." And so he's. probably like $300,000 in debt just from. his mom. She just kept pulling out credit cards.

and loans and vehicles and stuff in his. name and just stopped paying them. >> This is a finance show, but. >> do you want to be messy real quick? >> I always want to be messy. >> You want to call Marcus? >> I would if I had still had his number. >> Oh, how do you not have it? Um, after. everything kind of hit the fan, he was. repairing relationships with everybody. else and kind of left me off as the. mistress on the side. So, I went through. and I deleted all of our text messages,

all of our pictures, everything. >> How can we get it? >> Um, >> someone probably has it. How can we get. it? You want to get it? >> I could. >> And then I think we call them on the. show and you tell them how you're. actually getting your [ __ ] together and. then at the end drop a Oh, by the way, I'm. >> Yeah, >> you want to? >> Yeah. >> That could be fun. You want to text and. get that number? >> Yeah. We'll get into the finances and. wait for the response. We're going to. get We're going to get Whoa. We're going. to get messy. We're going to get messy. Oh,

>> I can't wait. >> I just asked uh for it. >> Oh, so you also do Door Dash on the side. right now? >> Yes, I do. >> Okay. Well, how many So, if we're doing. school what? 40 hours a week and we're. doing car dealership 40 hours a week. Is. that correct? >> Um car dealerships more than 40 hours a. week, but yeah. >> How many hours are we doing into Door. Dash? So I would so the way that I do. that is I focus on my homework on. Sundays and on Wednesdays which are my. days off and then I work Monday, Tuesday, Thursday, Friday, Saturday and. then after work every day I would dash.

So if I work 9 to 6 I would dash from. 6:30 to 11:00. >> So how many hours are we getting in. dashing? >> Um so when I'm dashing I normally will. do. 2 hours. 3 days a week so 6 hours plus another. like eight. So anywhere of like 14 to 20. hours a week depending on. >> and what's coming in with that now. obviously uh gas maintenance all that is. higher. Are you taking that in account. when you calculate how much you're. bringing home? >> Yes. So. >> okay then what would you say you bring. home after all that? >> After gas and everything I'm probably.

and I've not put aside much when it. comes to taxes cuz I just started doing. this. Um, >> I would say probably somewhere like $300. to $400 a month, which is just a little. bit essentially I do it. I was. >> call it three to be conservative, especially after taxes. So, that still. only brings us to $2,500 a month. >> Um, while I'm in. >> Is that what Xander's going to be all. not Xander Zach? What was it? >> No, you're Xander. But what the was his. name? >> Marcus. Marcus. >> Going to be all jealous about $2,500 a.

month. >> So, no. >> How are you paying for school? Um, so my. dad was a veteran, so my school is paid. for by the U. >> Well, that's nice. Thanks. Yes, that's. still taking obviously time away, but. you're going into a good career field. I. am happy to hear that you're going to. have a lot of flexibility there into the. different jobs you're doing. You're. starting that kind of late. What were we. trying to do this whole time? >> Um, so, and there's also more income, too, cuz I get paid VA, uh, GI Bill, Chapter 35, every month I'm in school. Bringing in with that. >> $1,500 a month while I'm in school.

>> Okay. So total then we're at least up to. four. >> Yeah. >> Okay. 4,000 is much more survivable. That makes sense. So why are you then. honestly? >> Um months I'm not in school um hurts cuz. I I don't do summer courses. >> Why? Why not then? >> Because my classes aren't available over. the summer at the school that I'm at. Um. >> how many credit hours do you have to be. in school in order to do that? Can you. take gen eds that you must complete? >> My gen eds I completed back in 2016. So. I don't have gen eds left to complete. Um, I went to school for uh, music. performance when I first left high.

school. >> [ __ ]. >> I know. Um, >> so dumb. I did composition. >> Yeah. >> What did you play? >> Um, I sang. I was a vocal music. performance major. >> Oh, yeah. Real gay. >> Um, very musical theater, too. >> Oh. Oh, yeah. >> Rap in Hamilton. >> Oh. Oh, no. I actually haven't seen. Hamilton yet. >> The the months. Are you saying all this. stems from literally the months you're. not in school? >> Um, so that um job transitions were. hurting me too. Moves. Um, I moved. across Texas three times in the last.

four years. >> Wait, what's across Texas? Are you out? >> I moved from Houston to El Paso. >> Oh, actually across Texas. >> I did. I moved. So, I was a content. creator and during co I turned my. stimulus check into like playing video. games for a living and I did that for a. year and a half. >> Did you actually make a living? >> Mhm. >> How much? >> It would depend on the month, but I was. making like about the same as what I. made from the school. About $4 to $5,000. a month. >> How'd you stop? What happened? it dried. up pretty heavy um after co I didn't. have the hugest following um you. couldn't make the transition between co.

content creation postco content creation. got. >> luckily I started afterwards so I got. lucky I didn't have to try to do that. transition um what was the game. >> I was playing Apex Legends. >> yeah and I'm sure people also moved on. from that as well and you kind of have. to keep moving on to whatever the big. game is right. >> absolutely so I was I didn't I didn't. switch at all I played Apex I was. actually nationally ranked at one point. for Apex Legends, which helped boost my. content. But then after CO ended, I. couldn't do it anymore. Um, and my best. friend was pregnant in El Paso and she.

wanted to um me to move out there and. sell cars for her husband. So that's. what I did. >> Okay. How long were you there? What does. it cost to move? Cuz again, you could. just sell everything and move your car, dude. When it cost me to move down to. Austin from Michigan, much bigger move. I just sold everything, packed up my. sedan, and it probably cost me like a. few hundred bucks. >> Yeah, that's what I did when I left. South Dakota. um when I was living. there. Um I moved back to Texas in 2016. or 20 excuse me, 2018. And uh when I did. that, I sold everything, packed up my. little Chevy Impala 2007 and drove all.

the way back to Texas. But when I moved. to El Paso, um I was living at home at. the time during CO and then moved out on. my own again. So deposit, rent, all that. kind of stuff was more than I expected. Um and then so that's kind of where it. started. And then getting adjusted to. sales life was not easy. Um, and that. became like the hardest part cuz I. wasn't beating draw when I first got in. the business either. So, it was like. >> you're getting a draw that you don't. have to pay back cuz there are sales. positions where you have to pay back.

>> Yeah. I'm very lucky that I haven't. >> Don't meet it. >> I forgot what that's called. Uh, it's. the other kind of draw. There's two. different kinds. Uh, but either way, okay, so we're going to jump into these. numbers, but is there anything else. weird going on? Mh. Um, so when it comes. to that, yeah, I've got a situation. going on at home that's not great. Um, I. let my friend move in. It was supposed. to only be him. Um, and the his. boyfriend to sometimes stay, like if he. wanted to stay with him one night, that's fine. >> How many bedrooms? >> Uh, I have a one bedroom. They're. sleeping on a couch. >> Two people moved into a onebedroom with.

you. >> Yeah. So, there's three of us. >> They're sleeping on the What the Why'. they move in? Is that not a temporary. move? You'd think it is with a bedroom. >> Supposed to be temporary. Um, they were. supposed to be out beginning of August. or I'm sorry, beginning of September. >> Okay. Well, we're at the end. >> Yes. So, >> what are they contributing to rent? >> Um, $300 a month since they've been. there. >> 1450. >> Yep. >> Why are they still there if they're How. long have they been there? >> Um, August 1st is when um one month it.

was supposed to be. >> Yep. It's supposed to only be the one. month. >> Why have they extended? Why' they move. in in the first place? >> Um, they moved in cuz their apartment. had a leak. So, they were moving from. one lease to the next lease and there. wasn't another apartment ready for them. at that place. So, they was like, "Hey, I just need a place to stay for a month. while they're getting my next place. ready. Hopefully, it won't be that. long." Turned out, no. It was It's been. almost 2 months now. >> Now, what? >> Um, well, he got fired from his job that. he was at. So, he. >> So, you want him gone? >> Yes. >> But he got fired. Why did he get fired?

>> Um, automotive industry. He was a. manager. So management in automotive. comes and goes very quickly. Um so they. let him go from that one. He's found. another job, but now it's just getting. everything in line for him to leave. Um. but it's not. >> be able to. >> Um here's hoping because I'm I'm getting. tired and tired of it. >> Oh, they moved in with a cat and you're. worried about getting evicted if they. find out? >> Yes. >> Oh, that's a possibility. >> Yes, >> you can't just pay like a cat fee. I.

could pay a cat fee if they find the. cat, but I'm also worried about the fact. that I have two people living in an. apartment they're not on the lease on. And for them to find out that and then. also the fact I have a cat that I'm not. supposed to have. that it could end up getting me evicted. from my place and with my finances the. way that they are, I'm scared of finding. another place cuz I live in a pretty. nice apartment right now. >> That's hard, man. Why Why can't the. other one contribute to rent a bit more. than. >> So, they're not working. Let's talk. about student loans. I know it's.

something we all avoid talking about, but if your private student loans are. crushing you, Y refi might be exactly. what you need. They don't rely on your. credit score alone. They look for. borrowers who have the desire and the. ability to repay. That is a gamecher in. a market where most lenders only see a. number. Interest rates under 6%. guaranteed. That's practically a unicorn. in student lending. Plus, they offer. structured payment plans to lower your. monthly bill and even a co-signer.

release program so your mom and dad can. step off the hook. Y Refi is known for. their personal service. No faceless call. centers. You get a dedicated rep who. actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like. working with them. So, if your private. student loans are burying you, it is. time to reach out. Yrefi wants to help. you climb out of debt, not push you. further into it. Check them out at. yrefi.com/hammer.

That is yfy.com/hammer. Or call89733978. That is89733978. Break free from the highinterest trap. and get your finances under control once. and for all. >> They. >> What is wrong with everyone in your. life? You're surrounded by weirdos, dude. Yeah. and getting fired or laid. off. Again, that that's fair, but um the. fact that they're not moving out even. though they found another job. Well, and. then the other person's just not.

working. These sound like leech. Are. they leeching. >> a little bit? Yeah, I would say so. Like, and one of them is my friend. I've. known him since I was in the car. business in 21. >> Well, friends are good, but you don't. want to enable friends or let them leash. cuz that's not a good friend. >> Yeah, they've depleted. So, I had I. worked really hard at building up a. stockpile of like stuff. So, like I had. laundry detergents and and stuff like. that and food. Like I had a full pantry. and a full freezer of like meat. Um. that's all. >> something people work to build up. >> I saved. >> I've never heard of that. >> I like was working to like kind of. >> save up and not have to buy it all the.

time. >> Okay. Sure. >> And it's gone. >> And it's gone. >> But it's okay. >> You should be able to budget that on a. monthly basis. That doesn't need to be. all bought like. >> But I had like three or four months of. like in case it's a bad month not having. to be able to go get groceries. I'd have. >> you know you're hitting your draw every. time. >> Yeah. But we'll see. How much debt do. you have? >> Um I want to say that I'm somewhere. around like 168,000. >> 160? >> Yeah, >> that's insane. None of which is a house. I'll say none of which is a house.

>> That was the goal. And then. >> two car loans. >> Why do I have two car Why do you have. two car loans? >> Uh I have two vehicles. Um. >> why? >> So my. >> Why possibly? >> So the first car um is my truck. Um, >> well, one of them's the first. statements. Oh, >> why do you have two cars? Why possibly? >> So, I work an hour from where I live. Um, an hour and a half some days. depending on traffic. >> For why, dude?

>> Because it was what was available for me. to find a job right away. I had problems. finding jobs before. So, >> are you looking for jobs closer? You. better be. What the I don't know why. that means we need two cars, two car. payments, two car loans. So, it's 58. miles for me to drive to work every day. Um, and the truck is an 8-cylinder. Silverado. >> Get rid of it. >> Um, I can't. I am 21,000. in the hole on that truck. >> Um, when it comes into the truck, um, I. had two vehicles before. A friend I.

don't learn from my mistakes, I guess, cuz I had a friend live. >> Um, I had. >> Dude, you're a bottom. Why do you have a. truck? >> Um, well, my truck has blue seats on the. inside. that way it didn't look like I. was going to hate crime myself when I. drove down the street. >> Um, so the the story behind the truck is. that um I had two cars. I had a Kia. Sportage and then uh that was a lease. and then I had a Nissan Versa that was a. purchase and I drove the Nissan Versa. when I would come home. That way I. didn't put mileage on the lease. Well,

my friend moved in with me and stayed. there and then he took the Nissan Versa. cuz I was going to move home um back to. Houston. And whenever he took that car, he was making the payments on it. I. traded my Kia in for a Cadillac um lease. that I was working at the dealership at. the time. >> Oh, [ __ ]. >> Lowered my monthly payment. >> Um and then so I was leasing that cuz I. was only driving 5 miles to work. Um so. it made sense at the time. Well, they. >> boring. >> Okay. I I I I want to hear more about.

this. I I want to get into the statement. and then hear the rest of this. But. first, uh please give me where you think. your financial score is. 0 to 10. Zero. being the worst, 10 being the best. zero. Good. If you want your Hammer. financial score, take the assessment at. calehammer.com. See where you stand in. the world of finances. It is free. You. can see where you're doing well, where. you need to improve. And if you don't. want to be like a guest who ends up on. the show, make sure you download the. dollar wise budgeting app. My preferred. budgeting app. It's what I actually use. in my daily life. Take the free trial. sign for an annual version if you want.

to save a lot of money. And when you do, I will sign and mail my budget friendly. cookbook right to your door. Learn more. at dollarwise.com or click those links. in the description below. Okay. Yeah. Uh. keep keep going. >> Um so when that car had so much damage. on it and it was a lease, um I felt. unsafe driving it every day. So I traded. it in for that truck. >> for a truck. You could have got an SUV. or something. Trucks are insane. >> I needed the So that was a service. loaner truck, so it had mileage on it. when I bought it. So it made it I I. ended up getting like a really great. deal on that truck.

>> Yeah, really great deal. You owe. $60,72455. making 22. You You make $24,000 a year. outside of the what you get with the VA. uh because of your dad, which is only. when you're in school, and that's not. going to last forever. 22 thou $24,000 a. year, and you owe $60,72455. That's a good deal. What are we talking.

good deal? >> Um, so. >> yeah, you're selling yourself, car. salesman. >> Uh, so I had originally financed on that. truck 75,000. >> Why? What are you making at the time, you. >> um, so that was when it was pretty. >> 72month term. >> Pretty good. Um, well, it was. incentivized right then. >> Dude, dude, dude, the minimum monthly. payment is $1,15, >> which is less than it was on my. Cadillac. >> What? What was it on your Cadillac? Why'd you need a Cadillac? Give them. >> because the lease was going to get rid.

of. >> less than $30,000. >> Yeah, >> you're underwater by half. More than. half. >> Oh, >> yep. That truck sits at home outside of. the gate. >> Dude, what are we doing? Did you roll. negative equity over? >> Yeah. >> How much? >> $24,000. >> Even that hasn't even. >> Yep. That doesn't account for the whole. loss you have on it. >> With the deal I got on the truck though,

um the. >> deal. You keep saying deal. De deal. >> The mileage and rebates on the truck. Um. and my employee discount on the truck. when I bought it, it did negate about. like $10,000 of that negative equity. >> But you still got about 7,000 other than. what you rolled over. >> Yeah. And that was only because um it. was the only truck expensive enough that. I could roll the negative equity with. what we had on the lot. It was only they. had enough discount to cover it to keep. the. >> There is nothing good here. No matter. the cope, there is nothing good. You got. the negative equity. You rolled over. 25,000. Great. Plus an additional about. $67,000 of depreciating equity.

>> Yeah, >> this is what's the interest rate? >> 1.9%. >> Well, at least you got that. But this is. still absolutely destroyed. And plus, $2,200 a month. Half of your income goes. to this car. >> Yes. >> A car you couldn't save to sell save. your sell to save your life. >> Mhm. >> It's impossible. >> No, I can't. >> Who would buy that? You can't. You. wouldn't. No. This is insane. >> Yep. Honestly, if it is still sitting. there, it might be worth selling for. hopefully 30 and then beating down the. other 30 as quick as you can, but not a.

jur income. I wouldn't know how. >> So, the best way that I'm thinking about. doing with that is just making the. monthly payment that I have been until. it gets to that point cuz a lot of it's. going towards the principal, not the. interest. >> since it doesn't have high interest and. then once it gets to that like range. I'm not sure what you're seeing. value-wise on it. >> Um, >> it's Kelly Blue Book private party. So, that's not even trade in. >> cuz when I looked at it, it's. >> based on your VIN. Yeah, when I looked. at it at the lot, when I was looking at. trading it in for the car that I did. buy, but I couldn't roll that much. negative over, I was getting about like. >> When did you look? >> Three months ago, maybe.

>> Okay. Well, I mean, the car market has. been going. >> It does drastically change every month. But. >> it does. >> Yeah. I was thought I was thinking I was. only like $21,000 in the hole on the. truck, >> dude. >> But I was just going to keep paying it. down until I got it to the point where I. could just sell it to the lot and it's. not driving. It's not gaining any. mileage. >> Um I was debating putting it on Toro, but I figured with the cost of. everything, putting it on Toro wouldn't. be worth it. cuz it's going to. depreciate even faster then. Plus the. insurance I'd have to hold on it would. be too expensive. So I. >> dude this is in every way possible. This. is.

>> and that truck is cosigned. >> by who? >> My dad. >> Why would he accept this? >> Uh my dad cosigned on it because um he. didn't want me driving the XT5 either. When the airbags didn't deploy, it kind. of was really scary. It messed up my. back. >> I agree. But this. >> So he cosigned he was co-signed on the. XT5 as well because when I rolled the. negative I was uh my credit wasn't. strong enough by myself to lease it. >> What does he think of this dad? >> Um we don't talk all that much anymore.

So. >> why? >> Um. we kind of had a huge falling out. >> What the gay? >> No. I've been out since I was 14. So. >> yeah, I was going to say you're gay as. >> Yeah. I mean. >> why'd you fight? Um they didn't come to. meet my boyfriend that flew out at the. time. Um okay. >> we the whole point of him coming out. >> because it was gay or because they just. were busy or something like that. >> They went um so they were gambling out. in Lake Charles and then um when they. came back they were like oh we're going. to go to dinner now. We had just eaten. They're like but they kept pressuring me.

that if we're going to go out to eat. like you're going to pay for it because. we're not going to pay for this meal to. meet him. So they were like oh we're. going to go now. and they were like, I. wasn't going to pay for a meal that I. wasn't going to eat at, so it didn't. make any sense. So, we didn't meet. And. then after that, they kind of went radio. silent for the rest of the weekend he. was there. Um, and then when I dropped. him off at the airport, I tooured the. apartment I'm in now, went home, packed. all of my, and I used my tax return to. move out. >> The I think someone just needs to make. contact. How long has it been? We don't. need to end an entire relationship. because of a bad weekend. It was They. weren't very nice. I get it, but we can.

rebuild. >> Yeah, and we could. It's there's a lot. of other stuff between me and my mom. that's just we we we're too much alike. So we we. >> gay. >> No. Well, I don't think so. >> Okay. Um. I don't like seeing people have damaged. relationship with their parents when it. doesn't need to be something longevity. If there wasn't like abuse or anything. >> It's kind of we're both petty and. neither one of us wants to admit, but. you got to sit and reflect sometimes and.

be willing to How long has it been? Want. to know a dirty little secret? And no, I'm not starting an only. You're not. broke because you suck with money. You. just can't see where it's going. If your. bank account is empty at the end of. every month, that is not bad luck. That. is bad tracking. And it's exactly why I. use Dollar. It shows you exactly where. your money is going every single month. Spending, subscriptions, and savings all. in one simple dashboard. Everything you. need and nothing you don't. And when you. download Dollar today, you'll get a to.

try for free. plus three months for just. $9.99. So you can finally take control. and see what your money's been doing. behind your back. Click below to get. started. >> Um March of last year. >> Ooh. No. Let's try to make a You haven't. You haven't had a point of contact. >> Mm-m. >> Big guy. Come on. I think I think it's. time. >> Let's just try to be the bigger person. And you probably are. >> Actually, for my mom's weight, she's. probably more obese than I am. Well, >> you said you're similar. >> cuz she her height she's like 5'4 and. she's like 180 pounds.

I don't know. I don't know. I wouldn't. have a forever relationship destroyed. That's very like uh Gen Z Tik Tocker. where it's like someone disagrees with. 1% about them and then they will never. talk to them again and think they're. evil. It's like it's not a very healthy. mentality. It was a weekend you were not. in the wrong. I want to be very clear. They were. And they might not apologize, but. >> yeah. I I've honestly come to terms with. the fact of.

>> being on my own. >> So, it's like I don't know. I don't know. if I want that because. >> Well, it's up to you in the end. Yeah. >> I just I like to I'd rather see people. try to heal relationships than go. nuclear. >> Yeah. >> In the end, >> maybe once I get my own life in check, then maybe there's going to be room to. let other people back in. But with. everything else going on, especially. with the. >> with of it all, it's like. I I've been kind of like not emotionally. available for anybody. I just don't want. to be around anyone.

>> besides besides. >> Steve. >> Are you Steve? >> Oh, yeah. >> Really? >> Yeah. >> But he's kind of hot. >> He's very hot. >> Are you saying I'm not hot? >> Have you seen Charles? >> You saw him? >> Have you seen Charles? >> Absolutely. That was one of the first things I. showed her when I got here. >> Yeah. It's like, "Give me show me." Cuz. he told me on the phone how hot this guy. was. And I was like, "Okay." And. usually, you know, people were saying. like, "Oh, the person's really hot.". >> He undersold it. >> Yeah. I'm not saying.

>> you're not. We're just in very different. leagues. Like, I'm in very different. leagues than him. He's like. >> like that's the guy you have to be. afraid of. >> Attractive. >> So, I'm all for it. >> Take it while you get it. >> Houston's a bear friendly city, I I. would say. Okay. Well, if I ever go gay, I'm moving to Houston. >> You would do well. >> Thank you. Thank you. >> We'll see you at Ripcord one night. >> Huh? >> We'll see you at Ripcord one night. It's. a gay bar. >> Oh, >> one of them. >> I don't even go to normal bars, so. >> yeah. >> Um, >> it's okay. If you ever come out, I'll.

invite you, >> dude. I've seen this. Can Can I tell you. a little offshoot? I've some people have. sent me a post that someone is I don't. know if it's on Reddit or Twitter. This. one guy has seen uh posted a few times. that he's seen me at gay bars in Austin. or gay clubs. I don't even go to normal. clubs. Like it's just that's the last. place I would be found. >> Sure, Jan. >> Not even cuz it's gay. It's just like I. don't do that. >> Stop the cap.

>> Stop the cap. >> This is so fun. People say the most. interesting things about me. >> You are gay. >> Uh so that's that's curious. Maybe it's. you. Maybe they saw you. Today we're. zeroing in on projection. >> Yeah, maybe. >> And they're like, "Oh, it's Caleb.". >> Folks don't choose to be gay any more. than I choose to be straight. >> Okay. >> Yeah, he put on a lot of weight since. the last episode. >> Who? >> If I was you. >> Huh? Oh, >> so um that truck's almost paid off.

Well, let me rephrase. It's not almost. paid off. It's a year and a half into it. and I'm by end of year three I should be. able to sell it. Um as long as it. doesn't devalue a home. Oh, you're. talking if you're making minimums, but. you can't. Your minimums are half your. income is the issue. That's the scary. thing. What do you Okay, we know your. inflow on a monthly basis. Well, went. out last month. What was your outflow? >> Um, I'm really bad about tracking how. much money I spend on myself. >> I'm just I'm very good at tracking like. my bills and making sure I know that. those are paid. And. >> we had lots of credit the the. dispersements and we had your final.

payroll it looks like. >> Yeah. So, it's it's difficult. >> A new uplo loan dispersement, but that. doesn't count in terms of income for me. I probably spent I know my bills are. like4,000. so I probably spent like5. >> okay yeah it was $12,38825. some of it may have been having to pay. for school from dispersements or. something but even still. >> one of those was a consolidation um. which did not work for me at all um. >> no you consolidated and then you built.

up your debt again huh yeah. >> so what always happens you cannot. consolidate unless you change your. behavior you're not a credit card person. I'll get you on the fist card, especially since you're a student, cuz a. lot of the perks are student related. Debit card that builds credit. You can't. spend with some in your checking. account. So, it actually works for. people like you. But like, why the would. we consolidate, dude? >> Um, so I was really worried about when I. lost my job cuz I just did that in June. Um, when I lost my job, I was like, well, I need something in order to like. it pushed the payment out a month. Let. me try and find a job, consolidate it.

It lowered the payment of what the total. amount was. It just increased the total. amount of debt. So, I was like, this. makes sense. I I rationalized it to. myself that this was going to make sense. and it was going to help me and then. proceeded to not change. >> It just never works. It's never worked. in the history of this show. It's It's I. It doesn't make sense. It doesn't make. sense. >> Okay, so this must be the second car. alone. >> Yes. >> What is this car? It's a Kia Nero. I've. never heard of this in my life. >> It's a It's a hybrid. Um it gets 54.

miles a gallon. Um. >> Uhhuh. And so for my drive, um, for. example, driving here from Houston, I. don't have to fill up. I'll drive all. the way here and all the way home and I. won't need a gap. >> What's the interest rate on this? >> Uh, 10.99%. >> Oh, for sake. You got a second car and. then a 11% interest rate loan on it. >> Why'd you get a car that was $23,344.38. is what you owe on it? What the Why. would we get a balance like that? You. can't even come close to affording a.

balance like that. So, with that car, um, I wanted to trade my truck in, but I. was too upside down in it and I didn't. have a down payment saved, but I was. spending. >> this amount is way too much for you. >> The payment is less on the car than what. I was spending in fuel on the truck to. get to and from work every day. >> That that is not the justification. though. You can still get a cheaper car. Yeah, >> cuz your minimum payment is $555.97. Now we are talking. Now we are talking. Put the 1115.07 07 plus 555.97.

that is $1,6714. Divide that by the 22 you make. 76% of your income goes to your minimum. monthly payments on your car and now you. have a balance that you definitely also. cannot afford for a new car. Not even. close. But you're at 11% interest rate. on it. That is so beyond That is so. beyond Oh, great. Oh, but winner. He met. quota because he purchased this car. He.

met his monthly quota because he. purchased this car. Now that's a. salesman. >> I also bought it to um Door Dash with. because I can't Door Dash in the truck. >> But when I financed the car, the. maintenance is included in the. financing. So I don't have to worry. about maintenance and all of that's. covered. Dude, >> I haven't even spent it that in fuel.

since I bought that car. >> Sure, but how many miles have you put on. it since you got it? When did you get. it? >> Um, I got it in August. >> Uhhuh. A month ago. >> Uhhuh. >> No, July. Sorry then. July. >> Just over a month ago. >> Yes. It has 7,000 m on it. >> Whoa. Dude, two car loans, one at 11% interest rate, taking 76% of your income. Also, you can. Door Dash. Oh, if you sold it in today, traded it in or.

whatever the What would you get? >> Nowhere near what I owe. >> What would you get? It's too new for a. KBB. >> Yeah, I've. >> Come on. What would you get, sales guy? >> See, I don't do the appraisal part. I. >> Dude, come on. What do you think you. would get then? Come on. >> Probably like 22. >> Oh, we're. $40,000 under cars. $40,000. $40,000 is what people owe on an. expensive car. And that's what you're. under on your cars, guy. That's insane.

That's insane. I haven't had a car. situation like this in long, long days. It's been a long time. Long time. >> I felt like it was a good decision to. buy the car. >> Do you still feel like it was a good. decision to buy the car? >> I mean, Door Dash was the only way that. I was making my bills, >> buddy. This balance doesn't make sense. This is the balance. You can't afford a. $32,000 car in any way whatsoever. You. went under 10,000 hours immediately. Great. You got hybrid. That's it. That's.

it, buddy. This is 76% of your income. and you say it's good. You're at 11%. interest rate and you say it's good. >> Well, the interest rate could be better, but my credit took. >> could be no. Your credit's Who would. have thought? >> I feel like the rate for a second auto. that wasn't that bad because. >> that rate a bad rate is a bad rate is a. bad rate. That is a bad rate. >> Yeah. I would rather you get that on a. 15,000 hour car. >> Yeah, we didn't have anything low enough. mileage for that. >> There's other dealerships in Houston, Texas. >> But then I have to deal with all their. [ __ ] whereas I know but that would be.

better and save $ 15 to $20,000. >> Yeah, >> dealing with someone else's in paper. I. would rather do that and save $20,000. >> Well, at least I don't have to worry. about maintenance on it. Like the. maintenance is all included. >> There's going to be 20,000 hours of. maintenance. Well, I mean, I'm already. due for my first oil change on it, and. that's covered in like tire $20,000. >> No. >> Uhhuh. >> But at least I don't have to pay for it. Like, at least it's covered included in. the car.

>> Yeah. Thank goodness that we're we're. doing really well. This is insane. This is insane. You're doing that while also going out. to eat. And that immediately pushed you. over your budget. Just that alone, your. two car payments and then going out to. eat. You're over budget. Over budget. And he told me while we were in break, we had to pause it because it started. like thunderstorming. That he has lost. like £120 in a year.

>> Yeah. >> You know what drives me insane? Cell. phone bills. 100 bucks a month. So I get. dropped calls in the middle of a grocery. store parking lot. No thank you. And. that is why I'm excited about today's. sponsor, Helium Mobile. Helium Mobile is. shaking up the phone carrier industry. They've got plans starting at free. Yeah, free as in $0 a month. No. contracts, no credit card, no hidden. fees. Just bring your own phone, download the app, and boom, you're. connected. And if you need more than the.

free zero plan, they've got the Air and. Infinity plans that are crazy. affordable. even have a kid's phone plan. starting at just five bucks, so you. don't need to hand your 9-year-old a $70. phone bill. Plus, Helium mobile rewards. you with cloud points that you can spend. on gift cards for places like Amazon and. Apple. So, instead of paying your. carrier more, you actually get a reward. for using your phone. Paying huge cell. phone bills is officially outdated. Head. to the link in the description below to. download the Helium mobile app and enter. code Caleb. Let's get back to the. episode. When I say game day, you.

probably think chips, screaming at your. TV, and maybe emotionally regretting. your fantasy picks, but you probably. don't think Wayfair. Well, you should. because that's where I just decked out. my setup for football season. Talking. folding chairs that don't collapse after. one use, a cooler big enough to hold all. your bad decisions, and yes, even a. grill that made me feel like a backyard. chef instead of a guy over cooking. burgers and flip-flops. Wayfair's got. everything. indoor furniture, outdoor.

gear, serveware, tailgate grills, you. name it. And it's not just about having. options, it's about style, affordability, and easy shipping. I got. everything delivered fast, free, and. without wrestling a massive box through. my front door. Now is the perfect time. to gear up. Whether you're tailgating. outside, or building the ultimate game. day cave, Wayfair has your back. Wayfair. is your trusted destination for all. things game day. From coolers and grills. to recliners and slow cookers, shop, save, and score today at wayfair.com.

That is w afir.com. Wayfair, every style, every home. Crazy. How possibly with the amount of going. out to eat do you do? What did you spend. going out to eat last month? >> I have. >> Come on. What do you think, big guy? Accounting. Come on. Account this. >> 350. >> It was a,000. It was over a,000 hours. Almost $1,100 going out to eat. You take. that. You take your two car car payments. and you're well over your budget. Well. over your budget. Well over your income. plus Door Dash budget.

>> completely. It's the it's the it's the. dispersement that keeps you there. But. even that you're barely break it even at. that point. >> Yeah. It's uh I I'm always exhausted. just the amount of. >> good meal prep twice a week and warm it. up at home. So that's great when you're. exhausted. That was great when I had the. surplus of food to do that, but now I. don't have that anymore. >> Tell them to go buy groceries. >> Um, they every now and then will go grab. like stuff, but like at this point it's. all gone. So, anytime. >> he's your friend, right? >> Yeah. >> Call him right now and tell him you need.

him to contribute to the grocery budget. and you can't afford it. But. >> sometimes he'll Sometimes people answer. during work. >> Okay. >> Leave a voicemail if he doesn't. Also, did you get the number? >> Oh. You know, I know you're on silent. mode. >> Um, yeah, I listened. I put it in do not. disturb mode. >> Yeah. >> Um, >> many many times. He. >> He won't send it to me. >> Is there someone else who will? >> Um, there's a whole.

>> There's a whole lot of people, but I. know that I don't remember what uh he. wouldn't give it to me either cuz he. doesn't want me talking to him at all. >> Come on. Who would have it? >> I might I might be able to find it, but. let me. >> Yeah. >> Do you want me to call? >> Sure. I want to get messy. Then put the speaker up to here. >> Up to the mic. >> If they're If both of them are going to. stay there, they need to contribute an. additional $300 a month of groceries.

I try to put it like on the mic. >> Hello. >> Hey. >> Huh? >> Um I wanted to talk to you really quick. I'm up I'm filming right now for the. financial audit show. >> Uhhuh. >> Um and are you busy? What are you doing? No. Um, just Starbucks. >> Oh, okay. Um, we were talking about like my finances. and everything when it comes to like. groceries and and all of that. >> Uhhuh. >> Um, and I I need y'all to contribute a. little bit more when it comes to that.

whenever cuz we need to. >> Well, yeah, of course. >> Yeah. So, um, so I was hoping, um, y'all could do like around $300. whenever we do groceries and everything. >> Yeah. >> Yeah. So, that should that going to be a problem. at all or no? >> No, it should be fine. >> Okay. >> And when is he leaving? >> Um, and when are when are you leaving?

>> Leave next week. >> Okay. >> Really? Okay. When. >> the last day of the month is when we. move in. >> Okay. So, >> you know, I have a the attendance span. of a goldfish. So, >> well, I know. >> All right. But. >> Okay, >> cool. >> Well, that's a win. That's a win. Um, contributing to the groceries. Yeah. Hopefully they give you like 300 on the. way out so you can restock. Yeah. >> Um, hopefully uh that'd be good. It.

seems like he was very receptive. Hopefully it wasn't just for the. cameras. I don't know. You know him obviously better than I do. by far. Like he knows he's being filmed. >> We've been friends for a few years, but. like we weren't like best friends. Like. this was a favor that he asked like out. of the blue. Hadn't talked in a while. >> But do you think he'll actually. contribute and you think they're moving. out next week? >> Um I would believe that they're moving. out. They've been talking about it, but. like when he got fired, getting all the. like income documents to them has been. the struggle. So, I didn't know how long. that was going to take or how long it.

was going to last that he was going to. just push that out cuz it seems and then. with his, you know, his boyfriend not. working. >> And you think they'll give 300 on their. way out to restock? >> It would be very nice if they did. I. hope they. >> Well, do you think because he just said. yes, but you know, then did he say it. for the camera or is he. >> He might have said it for the camera. just because he doesn't want to look. bad, especially cuz he watches the show. Ah, >> so he's going to see this. Ah. Right.

Okay. All right. We have I think a. credit card, but wow, this is so over. >> Wait, is it? No, it's not. No, this is. cash advances. >> Yes. >> What the he did? $2,550 of cash. advances. >> Yes. >> I've never even seen that on this show. $260 of fees. Oh, dude. Why? What's happening? Mhm. >> Um, so I opened the net credit when um. >> I needed money to gamble.

>> What? >> Yeah. >> What the does that even mean? >> What the 50 minutes in? What the does. that even mean? >> So whenever we would whenever I would. gamble um and I overid it. >> what? >> Um slots. >> where. >> on my phone. >> Oh. [ __ ]. Oh,

>> dude. What the. >> So, whenever I would overextend myself. out of my checking account, I would take. a cash advance in order to cover. everything else. >> So, lots on your phone. >> Mhm. >> What does this even look like to you? Cuz this is insane. You again, you took. out 2,550, but it brought it to a. balance of 2,810. What did you What? You. used that all for slots? >> Um to recuperate the loss on slots. Yeah. >> Slots when when slots. >> um June. >> What the. You spent that much on slots or you lost.

that much on slots in your phone? >> Mhm. >> Buddy, no. How much slot playing even is. that to get there? I don't know. I've. never done it. >> Um unfortunately, not a lot. Um the the. story behind why I even got into it was. because my parents, they won 200. >> $5 a spin, Lindsay saying. >> Yeah. $5 a spin. >> Sorry. Go on. >> Uh my parents won $200,000 on there. Um. and did receive that money. Um actually. they've probably net almost $250,000 in.

total and uh so I was doing it to see if. I couldn't net something out of it too. And then I kind of fell into it where it. was like. >> no. >> There were times that it did make up. differences where I was like struggling. And then. >> yes, no struggling. This is more than. your income on a monthly basis. And you. had to cash advance for it. You have to catch a vance. Dude, this is insane. Just to like pay.

for your groceries and. >> Yeah. >> Yeah. You got 11 almost an 11% fee. >> You pay 11%. >> 11%. >> And now it's going to sit there and. acrew interest, right? >> So that 11% fee is like every month. Yeah, the balance. >> it acrews 11% a month. >> Yeah, it's a statement a month, not a. year and then broken down month by. month. No, it is 11% a month. >> Yeah. So there's a statement balance. fee. Like that's what that is.

>> So this like 100% a year. >> depending on how long it takes me to pay. it off. Yeah. >> What the. So we're talking We're basically talking. like a. like 130% a a year. 130% a year. for slots. 130% loan for a slot.

>> Yep. I was trying to. win big and it didn't work. >> How long How long have you been doing. this? >> Um so when I was living with my parents. is when I started. >> When was that? >> So I moved out of my parents house in. 24. So it was probably in 23 is when I. started. >> and then June of this year you you so it. ramped hard. Did it ramp hard or was. that just a common thing we've been. >> kind of constant? >> What the [ __ ] So a lot of this debt. we're going through is just you sliding. it up. >> Yeah. Whenever I would like.

get sad or whenever I would like I would. do slots to. try and feel better. >> You got sad? >> Yeah. But now Rodrigo or whatever the. his name is in your slot, so you. shouldn't be doing slots anymore cuz. you're not as sad, right? >> Um, >> is that how this logic works? >> I guess kind of. Yeah, I'm a little busy. with that. We He's got me back into. exercising again. So it's like, >> are you slotting less? >> Like Wait, like. >> are you slotting less? >> And slotting me or slotting less on my. phone? >> On your phone?

>> Yes. >> How much less? What was your monthly. average you were losing in slots? >> Anywhere from a,000 to $2,000 a month. >> That's your entire income. You when I. was making money at the. >> and now. >> um now um it's it's gone. It's not going. to happen anymore. >> No, no, no, no, no. Leading up to now. Last month, what was it? Cuz no, no, no. You can't just say from this point on. >> Last month was maybe like 500 bucks. >> That is money. That is substantial money. when making 2200. That is not a joke.

500 is substantial still. That is still literally 23% of your. income that went to slots. The hard part. with my income is there's also like. spiff money, which is like. >> what is a spiff? >> It's a bonus. Um, so like if you sell. this many cars in a day, like you'll get. a bonus if you know. >> Yeah, but big dude, you're not even. hitting your draw, >> right? But. >> is that included into paying back your. draw, your spiffs? >> It's taxed and then it would they pay it.

out as a check. So I would get it as a. check and then they tax it on my draw. check. So, they pay me the full amount of. whatever the bonus is. And then. >> So, we really shoot for the spiffs. >> As often as I can, as often as they're. available. They're not consistent. >> So, how often are we hitting the spiffs. then? >> Um, so the first month there was. probably like $1,100. Um, it's like it's just not consistent cuz. like when the store is doing well, there's spiff money. When the store is. not making as much money, there's not as. much money for spiffs. So, it's like.

dependent on how the industry is doing. really. >> Um, okay. Yeah, this is crazy. Your. minimum monthly payment on this is. $387.50. >> It does go down every month. Like the. monthly payment for that is like it. does. >> So when the balance goes lower, it goes. lower. Okay. >> So every every time I make a payment, it's like $50 less. >> This is insane. Yeah. Yeah. Literally two months and. we've had $515 of total fees. This. business is crazy. They make so much. money. If I had no morals, this is crazy.

how much they make. Yeah. I wish that I. could have it. That's the only So, I. don't I guess that's the only like line. of credit that I have like when it comes. to like pulling money like that. >> Oh, yeah. Pulling a cash advance. >> Yeah. I don't because you should never. do that. That's like as bad as it gets. >> Yeah. No, I've never I don't have any. other ones besides that one. >> Where are we with getting the number? Cuz uh we got 30 minutes left and I want. to close with it for you chat. I'm messy. for you. We're messy for We're messy. We're messy buddies, aren't we? Is that.

Should that be our team name? He won't send it to me. >> But you said you have another way to get. it. >> I if I asked um. Caleb for it, but Caleb would read me. for filth asking for it. So. >> that's okay, right? >> No, because also he doesn't know that me. and um Charles are sleeping together and. we don't want him to know. >> Does Caleb maybe know who I am? Is there. a chance? There's no chance. >> More than likely not.

But there is a chance like that he might. eventually see it. So I'm like. >> so that's why I don't care if I talked. about it like on the show. But like we. like even at the bar and stuff like he. hasn't seen us do anything besides just. be friends. >> This is just this is one of the craziest. accounts I've ever seen. again literally. uh like I like money. >> Mhm. >> But unfortunately morals are subjective. and unfortunately I do have some that. really sucks cuz what a money-making.

opportunity that is. They own you. They. own you. >> They really do. >> What is this? This looks like a payday. loan. >> Um no that one is um an Upstart loan. >> Upstart. Okay. What'd you get Upstart. for? >> Um which one is that? Cuz I have three. Oh my why. >> Um, >> what are you doing with your life? >> Was the consolidation one that I just. recently. >> This is a consolid You got a. consolidation at higher interest rates. than credit cards. Make that makes. sense. This is at a 26% 36% interest.

rate. >> That's lower than some of my credit. cards. >> What? That's No. >> Yeah. One of my. >> What credit cards did you have? >> I have like six. >> No, no, no. I I don't see credit cards. above 36. >> I I stream when they're at 35. >> Yeah. I don't know what my my milestone. card was, but it was high. What? >> So, >> this is insane. He borrowed $4,312. and the finance charge attached to it at. that 36% interest rate is literally more.

at $5,2.71. He owes a total of $9,314.71. That is insane. That is insane. >> Does it say when that was paid? Yeah, that. >> Yeah, it took out in August and it's. it's done in 2030. >> $9,314.71. Minimum monthly payment $1552. >> It's going to be forever.

>> Is that if I pay it like only the. minimums? That's what I would pay total. >> But I don't see any other way at this. point is the thing. This is crazy. Okay. So, what did you This was the. consolidation. That was the. consolidation one to kind of like float. me through like get the payments paid. and paid off um and then float until I. found a job. >> This is wild. This is wild. >> Yeah. The crazy part The craziest part. about it is I had just paid off a.

different Upstart loan like two months. before that when I was making good money. at work and then I end up having to take. another one from Upstart again to make. it. >> okay. I got another one. What's this. for? This one's also at a 36% interest. rate. >> Um, >> you borrowed $1,100, but the finance charge is only 400 for. this one. Must it must be a quicker. payment term. It is two years. >> Yeah. Um, so that one was, um, when I. took the job at the school, um, I had to. go to Dallas for training. Um, they did. reimburse part of it, but not at the. level at which they said they were going. to reimburse it. Um, so.

>> you didn't have any savings? >> No. >> Have you ever had any savings? >> Not successfully. Not that I haven't. touched. Because that's that's what the. point of this all is is when those. things pop up that are opportunities. instead of yourself with a 36% interest. rate. $1,439.13. monthly payment $79. That's. >> Well, that's good. What's the balance. today? I assume you wanted to get out of car. sales and that's why you went into this. field, right? But now you're back in.

>> Yeah. Uh the story behind getting back. in was that I was kind of moping after. losing my job and then woke up a. Saturday morning from a text from my old. boss that said, "Come sell cars for me.". And so I went back to selling cars. >> Good. At least you're getting the. dispersement, right? >> Yeah. And and I'm hoping I'll start. doing better like and cuz there I'm in. school like this isn't a bad thing when. it comes to that. Um Oh, I guess it's. half paid off. I'm sorry. >> Ah. So what's the balance? balance. >> That's why we check probably like 750. 800.

>> 719. >> 719 minimum payment 79. >> Okay. Yeah, that's. Here's another one. Not as bad interest, but it is still substantially bad. interest. Wow. You borrowed $6,564. and you had to pay back a total of. $9,759. What the was this for? >> That's when I moved to El Paso. >> You had to borrow $7,000 to move. Um, I. used part of it for moving, part of it. for living while I was getting adjusted. to being back on a paycheck. >> Come on. >> Cuz I didn't have any content creation.

money coming in then. So, >> how quickly did that die? >> Uh, a year and a half. >> $9,759. Where were you streaming? Were you. streaming or making games? >> Facebook gaming. This is the second time. we talked to a Facebook streamer. >> this week and in my life somehow. Two. days in a row. What the is happening? So, >> I swear when one person does something. for the first time in the show, show all. of a sudden I get like four of them in a. row. That's so weird. How long did you. live in El Paso for? >> Two months. >> This for two months, buddy.

>> Part of it. So, I didn't spend all of it. when I was there when I used I used it. to move like pay for like the U-Haul and. stuff and then um. >> go to the other side of gays. >> I don't move in that quick. I actually. prefer to live alone mostly. >> No, lesbians move in quicker. Gays move. into their holes quicker. That's how it. >> goes. Yeah, it was only a month before, you know. >> They should have a Grinder for the. straight stuff. That's all I'm saying. >> Honestly, I thought Isn't that what like. Bumble is or Tinder? >> No, you got to swipe. Grinder is like a. buffet.

>> Oh, it really is. Yeah. But it's funny. There's a lot of straight guys on on. Grinder. >> Okay. I want. >> Yeah, sure. Yeah, sure. >> But um that I also used part of that to. move back to I moved to Victoria, Texas. after that. >> Is that Houston? >> Um it's 2 and a half hours away from. Houston. It's kind of middle ground. It's called the Crossroads. So, it's two. and a half hours from Austin, San. Antonio, and Houston. It's like right in. the middle. >> I thought that was College Station. >> Mm- Not for me. >> If you want to land a highpaying job, but don't have experience or a degree, then you need to learn about course. careers. It is the easiest way to land.

the highpaying career that you've been. dreaming of. I've done financial audits. for hundreds of people, and what I've. learned is that the single biggest. factor someone can take to improve their. life is getting a higher paying job. And. that is why I've been such a huge. promoter and even an investor in course. careers. The way it works is you simply. go through an affordable online course. to start a new highpaying career path. They teach many different in- demand. jobs ranging from technology sales to. accounting, construction project. management, the trades like electrician, plumbing, HVAC, supply chain, and many.

others that can be done remotely. And. the coolest part about course careers is. their platform works for people who. don't have any previous experience or. degrees. Their courses teach you. everything you need to know to land your. first entry-level job. and they have a. 100% free introductory course for each. career that teaches you all about what. the job is like, how much money you'd. make, and how exactly to land your first. job with starting from scratch. Click. the link below to sign up for one of. their free courses today. Okay, $2,45523.

is what our minimum payments are up to. right now. You're already over budget. You're over budget. We're done. Like, we're done already. Like, this is. insane. How much school do you have. left? Um, so I'll finish my accounting. associates this semester. >> Associates? >> Yeah. >> Are you going bachelor? >> I was going to. Yeah. >> When are you going to be done with that? >> It would be two years. >> All right. What is Milestone? >> Uh, Milestone's a credit card. >> What are you doing with this? This is um.

>> We got fees. We got purchases. Interest B. Oh sake. What are we doing? You're at the limit. So, that credit. card I originally had opened and I was. only going to use it for like fuel and. stuff and like increase my credit limits. when I was trying to get everything paid. down. And then um when I went to. Tennessee in June right before I lost my. job. Um. >> why? Just for fun. >> I met with. >> You still had bad debt during that? >> Yeah. Um I I paid for the trip itself. and everything. Not on the credit card,

not on any paid for a trip when you have. those other debts that we already looked. at that you got before you lost your. job. Anyway, >> this was kind of like a once in a blue. moon kind of a trip. It wasn't I don't. trip. >> Tennessee that doesn't exist any time. else. >> Well, so the reason we went to Tennessee. was cuz it was a a main meetup for like. all of us that used to play together and. like we're all in a discord together. >> You guys don't make money. I don't care. >> Yeah, >> you'll meet up again. >> I mean, maybe. this was a chance that I. had and I was at a good job and I was. like I could go. Um, so I paid I think.

$300 my was my share of the cabin. We. stayed in Gatlinburg and then. yeah. >> we stayed in like the nice cabins up in. the mountains in Gatlinburg, Tennessee. >> Were they gay? >> Two of us were. Three of us were. No, I. didn't sleep with any of them when I was. there. >> What? >> No. >> You're such a bad gay. >> They're they're my those those are like. my friends. One of them is literally we. call him which probably shouldn't have. said that. >> but gay uncles love touching their. >> stop.

Um one of them family like uh a lot of. like these people are my friends that. kind of kept me going so it was like a. nice chance to go and I didn't want to. sleep with any of them. >> Why is there $15.7 of fees buddy? Why. are we spending on a credit card right. now that we cannot pay off while we have. bad debt in that while interest is. occurring? I don't even know what I put. on there. >> I'll tell you, you stopped at the gas. station, got some [ __ ] Wasn't gas. What are you getting? Um, >> cuz I do see gas right after that. What'. you go in and get? >> So, when I went and got gas, I was going.

to put it on my debit card, but then. >> No, no, no. I see gas. At the same time, you also went in and got something. >> That was when I went That's when I. tripped. That's when I was on my way. So, it was a snack or something on the. road when I was driving Tennessee. >> This just happened in June. >> Yeah, the meet up was in June. >> Listen, listen. This is This is I We got. to stop this out there, ladies and. gentlemen. People go in and they stop. and they get their one-off snacks. They. get their one-off energy drinks. This. happens every show. This is That's. specifically why I work with Gamer Subs, >> dude. No more $4 energy drink bullsh.

10% off. Link in the description below. for the best tasting energy drinks I've. ever personally had. And it's 25 cents a. serving. It is just like making coffee. at home instead of going to Starbucks. It's stupid. Stupid. And there's free. samples. Use my code Caleb. Free. samples. Get your gamer subs. Figure out. what flavor you like. That is 25 cents a. serving. No more stopping at the gas. station getting some [ __ ] I'm done. with this. I am so done with everyone. doing this cuz you did it with Bies as. well. So stupid at the McDonald's. Chinese restaurant. Swing Baytown Plaza.

McDonald's burgers. Come on. We're losing weight. What are. we doing? What's the. >> That was a splurge trip when it came to. like. >> splurge. Oh, also raising canes and you. went in and got some [ __ ] again. Gamer subs. I guarantee you tastes. better. I promise it's lit. Actually, it's incredible. I'm like addicted. But. it's bad. It's bad. It's bad. >> But I also. >> go in and get all this [ __ ]. >> A sugar-free option, though, cuz I don't. do sugar. So, >> um, it's very lowal. It's a super lowal.

drink. >> Okay. >> No, dude. An energy monster is like 300. That's great. Uh, to Yeah, total feast. this year so far, $4127. >> This is crazy. >> Mhm. >> This is insane. What is the fee? Oh, it's a monthly. protection fee and then a monthly fee. This is crazy. They're just They're. making so much off of you. >> They're making so much off you. Yeah. This is at a 36% interest rate of death. Synchrony home for what? >> Um when I moved to El Paso, um this is a.

so long ago now. >> Yeah. Um the main reason with that card, it's super weird, is that I didn't use. it enough and so they closed it. Um. there wasn't anywhere that I had that. accepted Synchrony Home. >> Good. You're not a credit card person. But that was I don't remember exactly. how the breakdown of it was cuz I took. out a loan and the credit card and I got. like my couch, my love seat, and my. washer and dryer and computer. >> all for 2 months. >> Well, I took everything with me to the. next apartment. >> Well, that's expensive to move from El. Paso with a bunch of furniture. >> We packed it all in a big U-Haul.

>> Interest. You've had You've had a late. fee this year. Yeah, you've had a late. fee this year. >> Mhm. >> That's insane. Interesting 30%. Balance. $8967. with a minimum fement of $32. >> Do you still have this furniture? >> No. >> Yet you are paying interest and late. fees on it. That's. >> Did you not get this computer? >> Yeah. >> One of this was the computer. >> So it was So I had a con I bought it. through Cons Home Plus before they went. out of business. Um or at least the one. that I had went out of business. Um and.

I had a washer, dryer, computer, um. couch and love seat that I bought when I. moved. I needed the computer for work. and I bought it when I got there because. there was no desk space for me. So, I. bought a computer so I could do that and. then it was also good for me to do my. homework on. So, cuz I didn't have a my. tower was moved but like. >> I don't know. It was easier with the. like computer. >> This is insane. Best Buy. Speaking of. computers, so what's what's up with. this? >> Um I took that card out originally um.

when I started streaming is what I. bought my first computer on. Um and then. >> what do you think dried up? Why do you. think it dried up? Like it doesn't just. go back. There's always reasons why. >> Well, for me it was like. >> Yeah, but you cuz streamers still made. it. Why you? >> So I didn't have like multiaceted. content then. I was purely on Twitch. >> Streamer still made it though. Well, Facebook gaming. >> It didn't transfer very well when I. tried switching to Twitch cuz I did try. to switch to Twitch and not a lot of the. people followed from Twitch and it was. really hard to build Twitch without.

having a following. >> You can't. >> Yeah. So it was like very difficult. My actually my Twitch now that I still. sometimes go on just for fun to see the. people that I used to see has more. followers than my original one did. >> $97.88. still owed on here for something you're. not even making money off of anymore. >> That's actually newer stuff on that. credit card. >> Then what is it? >> Um it was my keyboard broke so I bought. a new keyboard and. >> this is $97. >> And then I also did buy an Alexa on.

that. >> An Alexa what? An Alexa Supremium Max. It's like what the this is $97. >> So my Best Buy Supreme stuff like for me. to take all of my tech to Best Buy no. matter where I bought it from is on that. card. Um and then um like. um I'd bought the Alexa home and like. the keyboard and that kind of stuff. It's just it piled up on there. >> $232 of interest acred, five years of. minimum payments. to pay this off. It's crazy. You're. going to pay a total of almost $2,000.

and then $33 your minimum. Insane. 107 this year so far. 30%. interest rate. City Advance Platinum. Select. Is this the one that you said. you thought was over the interest rate. of the other one? >> Uh, no. That was a milestone card. >> Okay. Well, we'll see. >> that one. >> This is This is a crazy balance. Basically, at the max. Why? Purchasing. 115. Why? >> Um, so my medical bills were on that. one. um partially for my surgery in May. Um. >> what? Why didn't you just get a payment. plan from the hospital? Why did you put.

it on our credit card? >> It's a payment plan from the hospital on. the card. >> On the card? >> Yeah. When I filed on there, it was. supposed to be like a hundred bucks that. ended up being $85 a month goes on that. card. That's part of it. Um. >> wait, you pay your payment on this card? >> Yes. >> Oh, your payment plan's not actually on. this card. >> It's not like a fine. It's not like an. actual like loan payment plan. It's just. through the hospital itself and you go. on that card. >> But you put it on an interest acrewing. card, >> dude. You are at $2,72.73.

cuz you could pay it from your debit. card cuz a payment plan from the. hospital is not necessarily the worst. thing, but you're just going crazy. putting it on an insane card. $538.98. of interest acrewed last month. This. would take 9 years to pay off the way. you're going. But that's if you don't. put anything on here. And you always do. You put your hospital your your your. medical bill on here. Yeah. >> So this will never be paid off. >> Do you want to know why I opened it? >> Why'd you open it? Sure. Um, so I went. to South Dakota in um May and it was.

>> I guess that's where bears are found, right? >> Um, >> you like that? >> Actually, a lot of them are twinks out. there. Like they just all have heavy. coats. Um, bears. Um, when it comes to. the city card, I opened it because it. gave me a credit for my flight when I. flew to South Dakota. And then it just. kind of spiraled from there. cuz I used to be when I I was heavier. and it was that flight that taught me. that I don't need to book first class. anymore, but I was so heavy. >> It's Stacy. In Stacy, like I see your. Methodist. Okay. Yeah, that's the.

medical bill. What's this in Stacy. Incorporated? 30 bucks. >> I don't know. >> what. Come on. I your $85 medical. Sure. But then there's an extra 30 from Stacy. Incorporated. >> You don't even know what that is. >> I don't. had a late fee this year so far. >> Yeah. >> So, you put a payment plan on this card. and then you don't even pay this card on. time. >> Dude, it's at a 30% interest. >> Those two late fees happened when. um a paycheck was it felt weird and so I.

couldn't get it paid on the day and it. was like a day or two late. So, I made. it late. >> Capital One, what's going on with this? >> Um, which Capital One card? >> Uh, this Capital One is. >> you owe $1,79.97. >> So, that's my platinum card. Um, that. one um I opened that one when I was. Victoria again and it's maxed out again. Sorry. Go ahead. >> Um, so yeah, with that one, I I used.

that one as kind of like my base pull. card. Um, that's what I would buy video. games with. That's what I would buy. >> Dude, what now? Cuz you're still. spending. >> Yeah, that one I feel like was only my. chip on my debit card was messed up for. a while and so I got a new debit card, but it had to be mailed to me. So, I was. using the credit card. >> 12 years minimum payments only without. any purchasing. And you always purchase. This is crazy. This is crazy. And no, you stopped in the gas station and got.

some [ __ ]. >> Yeah, cuz my chip didn't work on my. debit card. >> Gamer stops. more affordable. They have a hydration drink version as. well, by the way. If you don't want the. caffeine version, I usually do the. hydration drink version. Yeah. Late fee. this year so far and almost $300 of. interest. We're at a 30% interest rate. Y. >> insane. Okay. Quicks over one. What's going on. with this? >> Um this just keeps going. >> That one had my anesthesia on it from.

the surgery. Um, which is what cuz the. anesthesia wasn't fully covered by my. insurance, but it wasn't through the. hospital. So, I had to I have a 51. monthly uh $51 monthly payment on the. anesthesia that I'm paying. Um, but I. move that to my debit card. >> via this credit card. >> Again, you're not paying. >> this isn't that debt. You are paying. that debt with this credit card. >> So, >> so that doesn't explain the overall. balance. $25 of interest, $29,21 cents. of spending, eight years to pay off no.

spending. But of course, you are. And. that is paying off an other debt. And. yes, actually, no. No, I don't have any. of the anesthesia. I have a vending. machine and Planet Fitness. >> My Planet Fitness didn't go on that. card, too. Yeah. But I canceled. >> That was the Anastasia. >> It should be on that one. Or maybe it. was going to be on that one. I moved it. to my debit card. >> cuz the payments on those are coming out. soon. >> And then vending machine again. >> at work. Yeah. >> Stupid. $3 drink or 25 cents per. serving. What are we doing, guys? This. is so It's just This is what we have to.

do in budgeting. Come on. Make coffee at home. Make your energy. drinks at home. Make your hydration. drinks at home. What are we doing? Meal. prep, sandwiches. Come on. We've had a. late fee this year so far. No one's. surprised. $150 of interest. Almost 32%. interest rate. Discover it. Oh my goodness. This. balance is insane. Um, that was my first. ever credit card that I opened in. college. >> Great. It's $2,693.92.

Minimum monthly payment $84. >> Yeah. So, when I was originally at the. car lot before I moved away from the car. lot, um, I tried doing a debt a debt. relief program. >> Oh, great. So, twice, >> but I canceled it. Um, when I did that, um, it broke the terms of service with. the Discover card, so it closed. >> $84 minimum payment. 11 years to pay. off. 11 years min payments only, which. is what we're doing. $635 of interest. acred. Late fee this year so far, $500.

of interest, 28% interest rate. >> Yep. All those late fees are from the. same one time now. >> Oh, man. And we keep going. Student. loans. >> Yes. >> Why didn't you use the same thing you're. using now? >> Because I was living in South Dakota at. the time, so I couldn't do that. >> What's your total? Okay. Well, these are. deferred right now, so we don't have to. worry about it. >> But, um, some might be acrewing interest. still. >> Yeah. >> $30,000. >> $30,886.36.

So, what did you do before. >> school-wise? >> Can you bless me with something? >> Oh, god. >> Moneywise. >> Yeah. >> That's when I was in school for a music. performance, >> right? >> And then, uh, I was living on my own at. the time and then dropped. Um, >> great. So, you already have $30,000 of. student loans for music performance. >> Yeah, that was university. Yeah. >> So, that one I'm trying to. while I'm in school, they're deferred.

and it's helping me stay. >> Well, you know, but we're going to have. to pay it back. And that's like a. minimum payment of 350 bucks when you. get it. So, >> there's the anesthesia. >> Uh, this is the anesthesia. Yeah. Okay. Of which you owe a total of what? >> 30? It's at the top there. 305. And. >> that's the total. >> Yeah. >> That's not the minimum. That's the. total. >> Okay, that's not bad. >> It's not It's not a lot. Um, >> do you know the minimum or are you just. charging it? >> Okay, so anesthesia $35.95 interest. free, I assume. >> Yes. >> $51 minimum payment.

>> And so. that'll be almost done. Uh, that only. takes like 6 months to pay off. >> Yeah, it's not the worst. And then here's the hospital bill. >> That one's $85 a month. >> Also not the worst. So, I just don't. like that. Now, we're putting on a. >> both have been So, I took all of my. credit cards out of my wallet. I don't. carry them anymore. I don't have them. attached to anything. I canceled. everything on it. >> Um, nothing charges onto a credit card. Um, and moved both of those payments to.

my debit card. >> $7964. Minimum payment 85. Okay. Probably. interest free as well, right? That's all. your debts, correct? >> Yes. >> Good. checking account. Let's see. Started with 1,691. Oh my goodness. This, dude, I'm seeing a. lot of [ __ ] in here. >> Yeah, there's a lot of [ __ ]. >> Insane. You're putting minimum payments. on credit cards, yet you're spending. this much on [ __ ] That's. unacceptable. That is disgusting. That.

is horrendous and unacceptable. >> And we ended with 1,500. Okay. Wait, is there extra loan in here? Hm. >> What is this 14% thing? Quick loan. >> Oh, yeah. Um, it's like a. >> It's an extra loan. >> Yeah, it's $1,000. >> What? What is it? >> What is it? >> So, it was a It's kind of like the net. credit. Um, it's a line of credit. It's. a line that I can pull from.

>> It's $1,000. You max it out by the end. of the month. at a 14% interest rate. Minimum payment. of what? 50. >> Yeah. [ __ ] sake. All right. And in here, well, we put our debt. Minimum payments. on credit cards. We went in Pokemon. We. spent 11 hours on Pokemon. >> VGW $99. >> We don't even know. Think. >> Kindle 13, McDonald's, Lucky Land,

Starbucks, Buffalo, Wild Wings, more. Pokemons, Lucky Land. That was. >> ven Starbucks am Oh, vending machine. Great. Again, 25 cents a serving. Stop. around. It's like meal prepping except. easier. Lucky Land. >> That was the slots. >> That's more sl No, >> that was all of the slots. >> No. VGW Netflix. Uh, going in and.

getting some [ __ ] 25 cents a. serving. Chick-fil-A. going in and getting some [ __ ]. Chick-fil-A. Vending machine. Sonic. Starbucks. Sonic going in and getting. some [ __ ] Steam games $82. Pokemon's Wendy's going in and getting. some [ __ ] Wendy's. Uncanny.com. Uncanny.com. What the is that? >> That was uh a trading card shop. >> Stop. It's a new form of gambling. >> Yeah. Stop.

>> That was something that that got me. into. So, I'm not into it. VGW is an. online casino. That's what that is, by. the way. >> Oh, so it's probably just the. >> It's more slots. >> It's the same slot, but it sometimes. comes at a different charge. I only ever. use the one. >> going in getting some [ __ ]. Starbucks Heyday Mountain. It's an in-game [ __ ] on an app. Lucky Day. Yeah. Baskin. Coney Island. Amazon. Sonic. Heroes. Collectible.

Starbucks. Yeah. >> Uncanny. There it is. Cash App Chef. Oh, looks like you got some [ __ ]. McDonald's, Burger King, Freddy's frozen. custard, Amazon, Taco Bell, McDonald's, Starbucks, Lucky Land, Lucky Land, Vending Machine, Panda Express. This is. insane. This is insane. Inapp purchase, Amazon Prime, Amazon Prime, Mobos Food, Gambling, Lucky Land, McDonald's, Marshalls. Going in getting some. [ __ ] McDonald's, Wendy's, Amazon.

Inapp purchase. Oh, going in and getting. some [ __ ] There's gambling right. there. Taco, by the way. No, June was. No, this was Yeah, last month. This was. just a couple weeks ago. This is. gambling. Taco Bell, McDonald's, Crackco. Barrel. Gambling. Another $99. Gambling. 999. Gambling 999. Gambling 999. gambling. It was not $500. You're at. least 800. >> Was that that was in July, right? >> Yes. Last month. This is This is insane. Oh, another $99.99. Okay, we're easily.

over a,000. You said 500. When I said. last month, you said 500. Come on. >> Oh, yeah. That's okay. >> This This was. >> So, going from like 1,200 to 500. Still. not great. Dairy Queen, Chick-fil-A, Sonic. >> Gambling, gambling, gambling, gambling. every time. $100. We're approaching. about 2,000 now. McDonald's, Racing. Canes, Taco Bell. Gambling, gambling, gambling. Popeyes, Nintendo, Sonic, Spotify. Gambling. Gambling. Gambling. Gambling. Chicken.

Express. I'd join a group, buddy. I'd. join a group. Amstar. Vending machine. Donuts. McDonald's. This is crazy. McDonald's. Burger King. Panda Express. Gambling. Sonic. Pokemon. Going in [ __ ] Vending machine. Vending machine. Vending machine. This. is insane. We've also had fees on the. cash advance [ __ ] this year so far. And I don't see savings to save my dick. The thing is, we know you're. dramatically overbudget already. I'm So, this is going to be.

>> So, there was something that I like was. considering, but obviously not until I. could kind of figure everything out when. it comes to sticking to it. >> Bankruptcy. >> Um, there's a debt relief program that. could lower like the take all the credit. cards and loans into one. And it drops. the payments from like 1,100 to like. 357. And it's something I was open. >> The credit cards though, remember your. car. credit cards and the loans like not. the car loans alone are almost 80% of. your income. So I still I still don't. think we even like break even.

>> cuz then you got rent and you got it's. just this is going to be interesting. You're lucky the student loans are. deferred right now because you're Oh, >> also I don't want you to do a. consolidation again. Didn't you just do. it a couple months ago? Like what are we. doing? >> Yeah, the loan didn't pay like this. would have be a lot more. It would cover. a lot more. >> Let's not even think about that yet. Let's focus on changing behavior because. here's the thing. Your minimum monthly. payments $3,221.

That's why your student loans are. deferred to. That is. crazy. That is crazy. What's your rent? >> 1425 to 1450. >> And we're over including dispersed. months. There it is. That was it. And. now we're over. We're over by. uh $400. Just like that. Including Door. Dash net, including pay,

including the payouts that sound like a. slur, and including the dispersement. while you're in school. You're already. over by 400. But let's continue. Internet, water, gas, electric, utilities, all combined. >> Um, so water and stuff is in the rent. Um, the electric bill is normally around. like 80. The so about 130 bucks for um. >> for electricity. >> Phone bill. >> Uh, $30. >> That's not bad. Gas vroom vroom drive.

>> Um, maybe like 150 at most. >> Car insuranceances. >> 386. It's another reason to just kind of Oh, sell it. Just sell it. Necessary food. We could do $300. Use the meal plan that. you get in the budgeting class and use. the cookbook. You just warm up your food. meal plan a couple times a week. And. again, no more vending machines, TP fund, $100. Anything else you need to survive?

Medical healthcare co-pays on a monthly. basis. >> Um, so co-pays um is once every three. months. It's $30. Um, >> good. I'll put 10 bucks. And then gym, how much? >> Uh, so I don't go to the gym anymore. We. go running in the park. So, it's like $2. every time we go to park. >> Okay. We'll put. >> And it's like Oh, really? >> Yeah. We go. >> 20 bucks a month. >> Yeah. >> So, 30 for medical healthcare. Subscriptions. I try to do about 30, I. guess. You have any pets? >> No. >> Thank goodness. >> Um, yeah. Subscriptions are less than. that actually cuz it's just Netflix, Amazon. Um,

>> I'll call it 20, but. >> it's Netflix and Amazon and Spotify. That's a and Nintendo. That's it. They're all student based, so they're. all pretty cheap. >> You have to probably let your credit. cards go to collections for this thing. to work, right? >> Yes. So, they say that I should stop. making the payments and just pay them. So, it would be $357 a month that I pay. them. >> Yeah. $5,542. to survive right now.

That's not even close. That's not even. close. This is impossible. This is impossible. Except it's not. You. have two options. There's that. Well, yes. I would just stop paying the debts. now. >> Okay. >> Um, honestly, even including the. Silverado. >> Well, the hard part with the Silverado. is just it's not just my credit. I signed on it. Trust me. I thought. about letting it go, but I can't do that. to Even though we don't talk, I guess. still won't do it.

Okay, let's get a job closer to you and. get rid of the other car and then just. drive the Silverado to the closer work. >> Yeah, >> cuz we can't have these two car. payments. That doesn't work. Uh, just. let it go and not even sell it. Just let. it go and then after you change behavior. in 3 months, you either do this thing, but honestly even more in order to get. rid of the essentially you're going to. do a voluntary repo on the Kia once you. get a closer job and then we're just. doing bankruptcy. We're doing. bankruptcy. Use it now. won't be able to. for the next seven to 10 years and it's. going to you for a while creditwise but.

you need a fresh start and it's time and. even still you're going to be with that. Silverado but at least that'll be our. only debt not including student loans. but it's time but you need to change. your behavior for at minimum 2 months. before you do that and you can stop. paying on that debt except for the cars. for now. >> okay. >> voluntary repo once you get a closer job. on the Kia. that's it man that's it cuz there's no. way out of this by piling through, plowing through. You you just your.

income jump would just be substantial in. order to even make any kind of progress. It would have to be multi. It would have. to be at least like 3,000 bucks extra, you know, and that's like crazy. You. would have to just be the best car. salesman in the world all of a sudden. >> Yeah. >> In your job. You're not getting out of. college for a better job and, you know, for a couple years still. So, that's. what I would do. Um, let's get us hammer. financial score. But I will say. apparently there's something incredibly. insane we got to talk about in the post. show. All right. Well, I'm excited. Uh,

so but let's get a camera financial. score. >> Spending a budget overspend zero out of. 10. Debt, dude, I'm there's no way. This. is not a just it's there's no. IRS or collections. But. it's as bad as it gets. One out of 10. essentially without that emergency fund. There's nothing 010 retirement. There's. nothing 0 out of 10 real estate. There's. nothing 0 out of 10. Hammer financial. score rounded up out of generosity.5 out. of 10. Hit that join button. Join Hammer.

Elite for an extra 20 minutes of this. and every single episode of the post. show and three premium shows posted. every single day Monday through Friday. We'll see you there. >> This is something we wanted to say for. behind the payw wall. >> Your friend's boyfriend is attracted to. you who's kind of moved in and milks you. for. >> kind of. Yeah. What the [ __ ]. >> But then there's also like drunk. messages I've gotten from him. >> since they were like, "You're a better. friend than you know he deserves.". >> I think the new addiction is the new boy. toy. >> Your life is so messy. What the. >> Hammer Elite is the best YouTube.

membership on the platform, and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a promise.