$400,000+ Of LGBT Debt | Financial Audit

You are in a situation where you have a. strong income that people would die for. Well, maybe they should work for it. You're basically saying, "Well, you make. a lot of money. You you don't have. problems. You're not human.". I didn't suggest that. It came across that way. But anyway, moving on. You are failing dramatically. You refuse to listen to the idea that I. don't I don't get paid on a consistent. schedule. I love the moment he gets. called out. I don't Excuse me. I don't. have self-discipline all the time. I'm. impulsive. You are putting yourself in a. dramatically dangerous position.

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. And for the rest of the month, I. am paying for you to sign up. Sign up. for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammer elite.com. After. that, I'll send you a $10 digital gift. card that can be spent basically. anywhere and in most countries. This is. the best membership you'll ever join. That's a promise. Hi, my name is Bryce. I'm 29 from.

Dallas, Texas. And this is Financial. Audit. Thanks for coming down to Austin, man. Uh, what do you do up there for a. living? So, um, I'm an intellectual property. parallegal. Okay, very cool. So, parallegals, not. always making the most amount of money. What you make? So, I make 138,000. Well, that's a lot of money. What the is. going on here would be my question cuz. wow that's one of the strongest at least. single incomes we've had for in a very.

long time. Household income. Sure we get. that we get up there but which is still. incredibly strong but it's a single. income that is incredible. Is it a. single household? Yeah it's just me. It's just you. Okay. What hits your. account on a monthly basis? I'm sorry. What hits your account on a monthly. basis? Uh. 7600. What are you struggling with? I'm so. confused. Cuz I I don't I I don't. remember. I'm I'm not um. Don't remember. What What do you not. remember? Do you not remember what you. don't remember? What do you not. remember? I don't know. I don't know. I don't know. specifics all the time. Income. I'm not.

good at I can tell you payments. But. payments of what? Like what what's my utility bills or. whatever, but income? I don't I don't. exactly remember. What are you not So what you don't. remember is your income. Yeah. So you don't know what hits your. account. Correct. I think it's 7600. How do you possibly budget if you don't. know what's coming in? Like you can't. make there's nothing you can do if you. don't know how much money is coming in. 76 or 78. I mean it's 70 something. I had 75. I had 7,583.

That sounds about right. Okay. But why are you struggling then? It. can't be a I don't remember. What do you. like? Sure you don't remember your. income. Why would you be struggling? I. would suggest well if you don't know how. much is coming in you wouldn't know how. to budget. But why are you struggling? I. just uh I don't I I'm a bottom who've. hit rock bottom, you know. I I don't. know. How many How many weeks did he practice. that before coming on the show? Yes. I.

feel like I'm in Glee right now. I know. it's. I'm glad you're here. You're gay. We're. all thrilled about it. It's Pride Month. You look like you're on with your eyes. right now. But I I Are you bottoms love, right? No. Colton, isn't that true? Oh, he says no. Uh, bottom who hit rock bottom. Good, good little catchphrase. This would be. rock bottom. What am I seeing? What is. this first state? This is your mortgage. statement. You're pass on your mortgage.

statement. That's what they put at the. top of the pile. How can you be passed. due to on a mortgage state? This. mortgage is not. Hold on. You want your stupid little. catchphrase? What's a budget? I think. you're cute. This mortgage is 27% of your income. Strong income, an income that is easier. to budget than a low income because the. less percentage has to go to necessities. typically other than the roof over your. head because you picked the mortgage.

that is this amount. But $300 for. groceries is a lot less of your budget. than it is for someone making $4,000 a. month in that. So, I don't see why the. you would be struggling. You got your. little catchphrase. I'm proud of you. Good job. You did it. loop up, sniff the. sniff all the poppers you need, but you. are failing dramatically and being. behind on your mortgage. Why? Why are. you behind on your mortgage?

So, I mean, sometimes I'm just few few. days late. I I you know, things happen. I work and whatever. You you work we all work. Yes, I realize we all work. Okay. Rent is not due because you work. I'm confused. Okay. But it gets paid. It might be paid. a few days late, but it's paid. If we're getting late on our mortgage, that is just. Yes. If you're not paying your mortgage. on time, that is just suggesting that. you are putting yourself in a.

dramatically dangerous position, especially with such a strong income. Like you shouldn't even be in a world. where something is ever late. You're right. But I I I mean I was a few. days late. I'm human. It's okay. No. Why don't you have automatic. payments? Oh, I don't trust I don't trust. automatic payments because I don't get I. don't I don't get paid on like a. calendar day. I get paid every other. Friday. This is 27% of your income. That. shouldn't matter unless you're blowing. all your money on [ __ ].

Well, maybe. But I don't I don't get. paid on like the 1st and the 15th. I get. paid every other Friday. So I I don't I. I don't know when the first is going to. fall, right? I don't know when. I don't know when the first is going to. fall. I don't know when the payment is going. to withdraw in relation to my paycheck. Does that. If you're consistently late, I'm not consistently late. But it's. unfortunate. you found this this month is when we uh. have this conversation. where you have a strong income that.

people would love, people would die for. Well, maybe they should work for it. What do you mean? I work my off. You You're talking to me. like that. Yeah, but you're willing to throw it. away. I'm being late like couple days, 3 days. Look where you are. This is the most. recent month. Do you not see what a. dangerous slippy slippery slope this is? You are late now. You've been late. before. You know, you catch it before it. hits your credit. Sure, before a full. missed payment is declared on your. credit report. I got you. But this is a.

slippery slope. If you are late at your. strong income because you are afraid to. put it on an automatic payment because. 27% of your income going to the roof. over your head, which is by the way. normal or low compared to most people, you are refusing to put it on a minimum. payment because you don't know how to. budget your income. That is just. suggesting how dangerous this is. How. you are in a position where you could. very much have an actual past due late. payment before you know it. 4 days. becomes 5 days, five becomes six. You.

never really know. Maybe the poppers. convention is popping up around the. corner and we have to go blow all our. money there. Test out the new flavors. Maybe. And you suggest others should work for. it. Do you look down on others jobs? You're talking to me as if I'm like, you. know, I I'm I'm um. talking to you as if you're throwing it. away. Okay. What? How do you think I'm talking to. you? I mean, you're. you're basically saying, "Well, you make. a lot of money. You don't have problems.

You're not, you know, like you're not. human, right? What? I I didn't suggest that, but. Well, it it came across that way. But. anyway, moving on. Why? You should be able to dissect. arguments in a more, you know, practical. way. You're a parillegal. It is very. clear what I am saying. This is a. dangerous position to be in. This is a. slippery slope. This leads to people. getting foreclosure notices on their. house like I grew up with. This leads to. people losing their house. People get. foreclosed on all the time.

It leads into a position where uh-oh, you get laid off and then you're do you. have a substantial emergency fund full 6. months? No. Mhm. And we're already living on the. edge of 5 days, which becomes six, which. would become seven late on our mortgage. Yeah. Oh, I have the house. It's a It's a fine house. Looks nice. from the outside. It's unfortunately one. of those neighborhoods that was built in. the last 10 years and they decided to. plant no trees, so it's kind of soulless. and dead. But yeah, nice house. Do you.

have equity in this house? How much did. you put down? When did you get this. house? So, I bought the house um with my ex uh. January 2021. Is he on the mortgage? No. Was he on the mortgage? He was on the mortgage. Yes. Oh, yeah. Yeah. Okay. Me. So, um, bought. the house, lived in it for, I believe, a. year, year and a half or so, and then we. parted ways. Okay. Interesting, uh, story for me asking if you have. equity in the house. Uh, do you have.

equity in the house? M, I don't think so. Not right now. Just. cuz I I bought him out of his equity and. I had to finance. Yeah. Really? Okay. You had to finance that. How did you finance that? So, I did a FHA loan. Um, so. you can do an assumption um, and keep. the interest rate. So I assumed the. first mortgage, took a home equity loan out for 50,000.

and then took a loan out of my 401k for. around 10 and paid him out that way. Oh my goodness. Okay, so what's the. house worth? Do you even know what the. house is worth? Do I know what the house. is worth? I would I would say probably. 360. somewhere 350 360. Well, that would suggest an equity. position, but you're saying no. Well, I. guess your other probably like a wash. Now, you said you're rock bottom. Why. would you be at rock bottom to you? What. is rock bottom?

I mean, I I just had a moment um well, you'll see in the credit cards, but. where I just uh realized, you know, I've. just got too much credit card debt. It's. been too much and I don't know. Why are you spending too much? I don't know. Fill the fill the void. No. What void are we filling? I mean, you broke up with your exes. Honestly, that's not that's not the void. I mean, I I just. work and I don't have family around. And. I mean, cuz I live elsewhere.

Where's your family? Um, on the East Coast. Why do you want to Why do you want to be. here? Why do you want to have this house. here? Well, I'm going to die in this house. I. have a 2.75. interest rate. I'm never leaving. unless rates get to that again. Do you think they're ever going to get. that way again? I don't know. It's It's You never really. know, but you have a long life, a very. long life left. I love where I live and. in treeless zan land. Um I have a tree in my front yard. So you bought this house with another. with a dude, but you guys weren't.

married. No. Why would you get on a mortgage with. someone you're not married to? I mean, it was co I we were stuck in in. a small apartment together. Make a bad financial decision. Okay. I thought it was a I I stand by that. decision. You. 100%. buddy. You had to take out a 401k loan. and a home equity loan. And what's the. interest rates on those? Um. what do you have? What's your highest. interest rate? The home equity is probably 10%. Okay, then off. Um so obviously. objectively bad financial decision. Look. what you had to do in order to get out. of it. You weren't married. There wasn't. a good way to actually get out of it.

Well, you bring in strong income. Was he. bringing in strong income? Yes. What was he bringing in? Probably 250. And no one helps you with. this now cuz that's a that's a strong. income to lose. No, I it's just me. I mean, I I. I'm a lone ranger. The Lone Ranger. Okay. So, you're never going to date. again. Mm-m. Well, not not right now. It's not. in the cards. I'm just um I'm living.

life. I'm I'm. So, why did you guys decide to get on a. mortgage together, though? is that is. what has been seen as an objective. mistake here. Um because it it was we were in the. middle of COVID and stuck in a small. apartment and the the houses the house. was reasonably priced at the time. Interest rates were low and. I'm asking mortgage together though. I I I do regret that honestly. I mean I. regret that whole relationship. Um but. regret that whole relationship. Why did. you guys break up? How long were you How.

long were you guys together? We were together for like four years. Okay. Uh, and how long how long were you together. when you got the house? Uh, just over two. Jeez, dude. That is Okay. Without even. the marriage. It just It just doesn't. really make sense. Okay. And why did you guys break up. then? A mortgage together. It gets scary. There's a lot of reasons. I mean, but. honestly, it's it was the dynamic. I. mean, um, what? Two bottoms together? No. Uh he was twice my age. So.

like I mean and I didn't think that was. a problem when we first started dating. I mean if it's. if it works it works, right? But it. works. It works. Like I don't care. I mean I just felt like. How old were you when you guys met? I was 21. Like a sugar to Eddie situation. like for a little bit. Yeah. Yeah. Cuz he was making money. Yeah. I was making good money. So you were 21, he was 42. Mhm. Ooh. Yeah. That's chunky. Yeah, it's chunky. I don't really care.

Consensing adults can do whatever the. they want. I mean, yeah, it was it was good when at. the at the beginning, but um I don't. know. Pretty soon I realized that uh. we're just on different paths. Yeah, he couldn't get hard anymore. Uh no, he's just like he's got an. established career. He's already. So do you. No, I don't. And not at that time. Oh, not at the time. I mean, when we. met, I was working at a call center. making. I don't know when you broke up.

35. When you broke up, right? But that's part of the reason we. broke up is because I wanted to go and. make uh, you know, a success with. myself. I was building my career. I was. going to school. I wasn't. Yeah. He did. He He. He wanted you to be a trad wife. I I. I think I know what you're saying. Like. he. Well, yeah. Like, why wouldn't you be. allowed to go outside unless the dude's. like, "No, you must stay at home and. cook and clean." Correct. Really? Well, it's not cook and cleaned, but it. was just like you're mine. You can't.

have friends outside of this. relationship. Oh, okay. Well, that has nothing to do. with the age gap. That is just him being. weird. Yeah, it was weird. Okay. Yeah, that's a good reason. Well, that's a good reason to break up. I. mean, if the that. actually compared to how most people use. the term is actually closer in line with. the real definition of grooming where. you like you separate people from their. outside support system so you can't have. anywhere to go. Yeah, it was a little toxic. Yeah, toxic for sure. I'm glad you broke.

up, but now this house is all on you and. you guys got into it to be in it. together. Yeah. Now you're behind. by a few days, but yeah. Yes, but it's the start. It's the start. I mean, yeah. And you don't have an. emergency fund. Do you like your job? Law can be hard. It is hard. It could be a lot of hours. Do you like. your job? Um, I. [Music]. I feel a little burnt out lately, honestly. Okay. I've noticed that he told his. producers, by the way, that he straight.

up doesn't like his job. So, okay. That's what you told them. That's what. I'm going to go off of. you're on camera. now. So, some people get a little. nervous to say the real answers. Um, okay. Yeah, if we're late, we don't have. an emergency fun. You don't even like. the job that you have that is making it. so that you're able to do these things. That is the three pillars of get pretty. soon. Cuz if you get burnt out, you stop. performing as well, you get fired, or. you get burnt out, and you uh, you know,

decide to step away. I've had people. that have come on the show that abandon. their job without an emergency fund, without a job lined up because they just. could not take it anymore and they're. like, "Mental health, mental health, mental health.". Oh, I'll never do that. Yeah, we'll see though. We'll see. People get pushed to that edge where. they see no other option. Are you. looking for other jobs? I kind of have golden handcuffs here. I. mean, exactly. So, you might get pushed to. that edge. I don't I don't I don't have a lot of. options as far as like. unless I downsize. I've seen people just like you. I've. seen people just like you who abandon a.

job that they do not like and they don't. have anything land lined up cuz they get. pushed to that point. Then they get to a. position. position. I mean I see Yeah, savings is. horrible for what your. for what your income is. And listen, here's the thing. Your income it was. 7,583, but you had more money come in. because of a tax refund. Good job. Congratulations. You've put too much in. taxes throughout the year. Uh but.

doesn't matter because even with the. total 13,193 that came in, how much went. out in your opinion? Not in your. opinion. What do you think? Probably. 15 17 something around there. 16,379. So you had almost double your income. compared to normal. being behind, not. having an emergency fund, hating your. job, and yet you still go below more. than came in with a tax refund month. Why? Why is that even close to.

acceptable? Maybe you need a 50-year-old. Dom daddy to come in and actually hold. you down because you can't be trusted. with your own finances. I mean, I guess that's why I'm here. Uh, trying to figure things out. I mean, I. That is such a copout answer. Why does. everyone [ __ ] say that answer when. they're pushed into a corner? I don't. get it. I want to know self assess why. you think that is okay. Why you did. that? I'm trying to get into your brain. at this moment, buddy. So, we can have a. conversation and I'm able to take the.

perspectives that I learned through this. moment. Let's shave $3,500 off the top of that. because. I was at I was a conference for work and. those were business expenses that I'm. getting reimbursed on. Mhm. So I get you. pretty much if you just do that, which. by the way, when does that reimbursement. come in? Cuz you would have to put an. amount of debt, which means you pay. interest on a business expense with even. you reimbursing it, you still lose money. via interest. It's very annoying. Yes. Yeah. How long does it take to get it. reimbured? I mean, I I should get it in a week or.

two. Whenever this Whenever. Yeah. I. mean, I. When'd you go? May. End of May. That's brutal. It takes a month and a. month. I mean, I was slow to submit my. my receipts. Why? That's on you. See, there we go. Right. Because when you're at a. conference mortgage, slow to submit. when you're at a conference, you're. you're um also working and you're you're. like the work doesn't stop. So, when I. came back from from that, it um I had a. whole bunch of catchup and and things to.

do and and that was my priority. Ketchup? You work ketchup? Yes. You don't have any time. You do not have. 5 minutes to gather receipts. Um, better go to stupid answers for 200. I. think. I just had other priorities. What were your other priorities more. than uh we're financially and we're. behind on our mortgage? Um, keeping up with work. It was not 24 hours. It wasn't 24 hours. 24 hours for a month. No, I'm not saying that. But I I just I.

was backed up and so it took a while and. so I'll get it. It's It's coming to me. It's been submitted. Yeah, but you lost. interest for a couple months almost. and even that you brought in your tax. refund and you just blow it immediately. spending let's say getting rid of. credit cards. Huh? I put it on a credit card. I I I I spent I put it towards. uh credit card. which you then turned around and. completely spent on. So it negated it.

You really just used your tax refund. money to go spend on bull. So, it's. like, okay, that sounds nice, but we. know what actually happened cuz your. documents are literally in front of us. I didn't think about it like that. Why? You're such a smart guy. I don't really pay attention to my. finances as I should. I'm a mortgage, man. You're on your own. now. Uh, how many years has it been. since you've been on your own? Two. Okay.

I don't know, dude. Next time you go to. a conference, man, got to spend more. time collecting receipts and less time. cruising the stalls in the conference. center. Let's talk about student loans. I know it's something we all want to. avoid talking about, but if your private. student loans are crushing you, why 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 ability to repay. That's a. gamecher in a market where most lenders. only see a number. Interest rates under.

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Okay. If you want your financial score, if you want to see where you stand, take. the free assessment at cablehammer.com. or click that link in the description. below. And if you don't want to end up. on this show, all you have to do is. download the Dollar Wise budgeting app, sign up for your free trial, and if you. want to take it to the next level, sign. up for our Dollar Wise Central program. You get the premium version of our. budgeting app, and you get all of our. educational programs bundled together. Literally, it's an 80% discount. We. wanted to make it more accessible to. people. Go to dollar wise.com, click the. link in the description below. Anyone. who signs up for that or the annual.

version of the budgeting app gets a. signed version of our budget friendly. cookbook and I'll mail it directly to. you. If you want to go on the show, you. can also go to kale.com/apply. Okay. Well, we already have the. mortgage. So, home Zillow's seeing it. worth about 330 or so, I think, is what. I saw. And Zillow's not 100% perfect. It's been, you know, getting better, but. you know, it gets a little excited. sometimes. So, you had $277,592.11.

on your primary mortgage. Obviously, we know there are more debts. that are involved. Of course, the. payment that was overdue was $2,1174. And again, I mean, this is how this. starts working and starts compounding, man, is, you know, we get past due on. $2,117. Then in order to make that payment, you. don't have the $2,117 to make the next. payment, which starts compounding. And. then you push that again 6, 7, 14 days, you know, behind. Then you just get to a.

dangerous point where you're always. behind. Then all of a sudden you're a. full month behind. It's late payment. You get, you know, multiple months. behind. You get foreclosure notices. Again, the only reason I am harping on. this is because I saw this cycle as I. was literally growing up. People get. foreclosed on every day. You're not au. unique unicorn. No offense on life. Not. ever going to see any consequences for. your actions.

Um. I don't I don't know what to say. Just accept it. Okay. Yes, we love the interest rate. The interest rate's great. 2.75%. I. understand why you want to kind of lock. in. Okay. Well, especially if you have to make. minimuming monthly payments like this. No wonder. you're at a maxed out city advantage. platinum card. What the is happening. with this? This thing is insane. What is.

going on with this card, my guy? I use it for everything. And you're okay pushing it to max out. while interest is acrewing? Nearly $700. of interest in one month. Yeah. Again, it's 28,86460, whereas I mean the minimum monthly. payment itself is disgusting. Like, yeah, no wonder we're late on mortgages here. and there. How can you do it if this is. half the cost of your mortgage on a. monthly basis? $1,000 $811. Is this.

where you put your tax refund? Yes. What the [ __ ] dude? You put the $5,000. towards it. It doesn't matter. You went. and spent $7,6886. Well, nearly $700 of interest acred. Yeah, it definitely snuck up on me. I. mean, um, snuck up. What? What are you talking. about? You went and spent $8,000. Snuck.

up on you. Well, overall balance is what I'm. talking about. I mean, h I don't I don't. understand how that snuck up, but you. spent $8,000. That's not a sneak. That's. not a sneak. It doesn't feel like I spent $8,000. I I don't know. There's just a bunch of. smaller transactions. It just adds up. And And I just didn't realized where it. it got it. What does spending $8,000 feel like? That's your That's more than your. literally more than your monthly income.

Like, how is this sustainable? Well, it's not buying our mortgages. No. wonder. We have no like our savings. isn't even close to a six-month. emergency fund. We hate our job. Yeah. not lining up great so far. Uh what does. spending $8,000 feel like? I I don't know. I just kind of um I. black out. I kind of like turn a blind. eye and then we have a big balance. I. just it it's. not on the forefront of my mind, unfortunately. What's on the forefront of your mind? So, I don't I don't know if you're going.

to like this answer, but um. like during my relationship, I I was. like kind of like closed in. Like wasn't. like I couldn't hang out with a bunch of. friends. Like it was just it it felt I. felt smothered. And like ever since I've. gotten out of that, um I've just kind of done a 180. and I have. Oh, you're overcompensating. I am I am I. I'm feel like I'm. What are you spending on? I'm trying to have fun.

In your perspective, what are you. spending this on? Um I think most of it is going to be. like eating out or like Ubers or going. to concerts. Um going to festivals. Oh my gosh. So many festival people on. this show. It's fun. You should try it. I I go to the local one. Austin City. Oh, ACL. ACL. That's fun. But I can afford it and. you should be able to as well. But. you're spending more than you make on a. monthly business just on one credit card. alone. And then the minimum payment is.

half your mortgage, the mortgage that. you're on. So. you have to you can live a fun life on. your income if you actually stay at this. job. But you have to budget it in. And. now we have to pay off all the. consequences of your previous actions, the fun, this life that you've been. living for two years. And you're going. to have to bring in more money, guy, if. we want to pay this off quicker so you. can get back to fun quicker. How long does this take to pay off, dude? How long do you think this takes. to pay off? Minimum monthly payments. only without purchasing, which.

right? Yeah. Uh if I was just doing just the minimum. um I don't 30 years. 31 years. You'd be okay with being in. retirement age, you'd be able to take. from your retirement accounts, there's. any left at no penalties. You'd be able. to take it out 59 and a half. That's how. long you'd be paying this off. This. payment that is half your mortgage. In. fact, this would be paid off before this. would be paid off after your mortgage. I. I don't know what to say.

Hamper? What the is hamper? $31.14. Uh that's laundry service. Laundry ser you are. You do not live. that life. You're not there. Sorry. I. mean, just just straight up sorry. That's that's not a ego stroke. I could. afford that. I'm in that life. Yay for. me. Uh you're just not. I would love you. to be there. I'd love anyone to get.

there. If you cannot afford something, you cannot afford it. And I don't do. that. I wash my own clothes. You can, too. Yeah. I I mean most of the. time I do, but when I when I'm I I when. I if it's a week or I'm working 60 hours. and and I need I need. 60 hours. I mean sometimes we have deals happen. Sometimes we have, you know, transactions and and you know there I I. don't think you understand what it's. like to work in a law firm. in a law firm. But I know what it's like.

to work 60 hours plus. There are people. out there with kids that work 60 hours. plus that do their own laundry and their. kids laundry. You have no dependence. Law firms specifically. No, but the. hours for sure. For sure. Yeah. I mean, uh, I sometimes just need to do what's. convenient. Need. I mean, that's what I felt in the. moment. Yes. While we were maxing out a credit card. that you can't pay off tickets to.

disco.com, so we're spending that. Great. We're. going to Shake Shack. Certainly not. bottoming that night. He went in, got. some [ __ ] from 7-Eleven, uh, subscription, went in, got some. [ __ ] went and got some BS. Wendy's, Timed Village, Bloomingdales outlet, Nordstrom, Nordstrom, Nordstrom ain't. cheap. Nordstrom ain't cheap. And you. could actually afford Nordstrom, but not. with the way you're spending on. everything else in this world. You're. beyond spending more than you make. I.

mean, listen, again, more than comes in. on a normal month you spent on this card. alone. We have many to go through. Express, and I love me some Express. They gave me 50% off, so shout out. Starbucks, Zara, going in and getting. some BS. Greek Lover Food, Sparks Smoke. Shop. What are you doing? What are you. What are you smoking? I need to pick up a vape. Why? Uh why? You're not even in that, buddy. I mean, you're older than you. We.

miss the vapes. I know. We miss the vapes. You're going back. I. it's not a healthy habit. I mean, I was. smoking in high school, so I guess it's. better for now. That as far as we know. I mean, as far as we know. Sure. As far as we. know, but we do not know the long-term. consequences. There have been many. people with collapsed lungs. In fact, the one on the show from Vavine. Sounds like problem for another day. Huh. Sounds like Bryce's problem for another.

day. Oh, he said his real name. That's what. happened. And that's what that belief. was. The number one YouTube membership just. got upgraded. And for this month only, you can join for free. Three exclusive. shows every day, Monday through Friday. Financial audit post shows, exclusive. and uncensored financial audit episodes, our call-in show, Hammer It Out. Who then take the train? And brand new shows, Fat and Fatter.

That is wild. That one is. I would go off brand. behind the audit. What? This was wild. Hammer versus internet. And now upgrading from one live stream a. week to two. No other channel offers. what Hammer Elite provides. Join with. the link in the pinned comment or. description below. Submit proof of. purchase at hammer elite.com and we'll. reimburse you for the first month with a.

$10 digital gift card that can be spent. anywhere in most countries. Sorry, North. Korea. This one isn't for you. Yeah, this is how we have to do a free. trial on here because the platform. doesn't currently offer free trials. It's okay. It's worth it. Yeah, it is. Join Hammer Elite, the best membership. on YouTube today for free. Uh, yeah, it does. And it sounds like a. very expensive program as well. problem, discussing problem. One thing at a time. Yeah, but maybe we stop that so we don't.

have to deal with it. I mean, do you. work out? You've seen Okay, you do that. so you can live a better life. Why harm. yourself at the same time? Especially. with a very expensive addiction. Put in the work, man. Put in the work. Also, I love how you don't have enough. time to wash your laundry, but you have. enough time to go all these festivals. and concerts. In fact, the second. purchase on here after the laundry was. to go to a concert. Priorities. Yeah, priorities are.

coachina on the something. Went and got. some BS. What are you going into the gas. station getting constantly for like six, seven bucks? Usually like um Red Bull and a snack. Why, dude? Just buy in bulk, man. Again, just buy in bulk. If you just properly. budgeted, you could live so well. You. have no idea. People out there that are. watching this video right now are. begging to have your income. And yes, even with 60 hours a week, sometimes. they would beg to have your income. They should work for it.

I agree. If they want that job, they. should work to go get that job for sure. But that's a little easier said than. done. You are in a position where you. are childless and you're single. You. other people have harder obstacles. if. they put their life on hold to go to. school, they might not be able to pay. for their kids' ability to, you know, get school supplies or in a sports. program, whatever it is, you are in a mortgage situation. If. someone else is in a mortgage situation, how do they pay for that if they put. their income on hold to go to school? It's easier said than done. Yeah, I went to work full-time. I I went.

to school full-time. I mean, it's. doable. It's tough. again without kids and stuff. Uh other. people at 30 at 30, 29, it's a little. harder. I'm not saying, oh, trust me, people should, if people want to do it, you're right. They should work for it. I'm not jacking them off, you know, but. still, people out there wish they had. your income and look what you're doing. with it. It's a joke. You could be. living such a good life and you're. choosing to live a life. And I don't. understand why. The soap factory venue.

twice. The venue. Yeah. Great. So, two concerts this month. I got two drinks. That's it. Two concerts this month, but we can't do. our laundry. It's so easy to just throw it in. Let it. go. That. It's the folding and putting it away. Don't fold it and put it away. Hang it. up. That too. That's quick and easy. It's awful. I hate it. Quick and easy. I'm a lazy little and I do that. I mean, you wear black t-shirts. I wear a lot more than this. I don't. wear as fruity as that, but I've been. wearing more collars.

I'm proud of you. Thank you. You're doing great. But even still, I. I'm confused how folding up this versus. folding up that is or hanging it is much. more complicated. Buttons. I'm just saying it's a lot of. laundry is a lot of work and it's it's. the one chore I really don't like. It's really not. I understand not liking. it, but it is not a lot of work for a. single dude. I'm sorry. When you've when you live in. the closet, you build up a wardrobe and. it just keeps expanding when you get. older. That is the gayest excuse I've ever. heard in my life.

I mean, it's true. I have a lot of. clothes. Yeah, but you can get rid of clothes and. you're not wearing all your clothes. You. have a lot of clothes. You're not. wearing them all every week. So, that. doesn't make sense for your laundry. situation. Just cuz you're owning. clothes doesn't mean your laundry is. high. It's based on what you wear. Yeah. It's also based on how big that stack of. unwashed clothes gets before you decide. to not be a lazy piece of. I mean, I do live alone, so I get to it. when I get to it or I have somebody else.

do it. Yes. And look how that's working. It's. going so well. Riches. What's that? I don't know. You tell me. In San Diego. Oh, I I I I'm not sure. I I was on a. work trip. So. So you're blacked out again? I mean, being reimbursed. So. really going to the bar there? Yeah. Business development. Yeah. No, I'm I'm not even joking. I know you're not. I think it's a joke.

No, it's not. Not in my industry. No, it's not. But I think it's a joke. I'm not joking. I know you're not, but it is a joke. Why do you think it's a joke? Cuz it's stupid. Okay. Went in and got some [ __ ] Went in. and got some [ __ ] Tom Thumb. Einstein Bros. poolside DJ set. So, here's a third one. Third one. Third. one. Can't do our laundry. More DJ set. I'll do it. Club. Went to the club. Can't do laundry. Door dashing. Door. dashing. Gongcha. 7-Eleven. went and got some.

[ __ ] SoundCloud monthly. Who the. does that. Spotify, which I'm I'm not even digging. in on as much these days, but SoundCloud. monthly? What the are you doing? Hobbies. So, or hobbies paying for SoundCloud. monthly. Um, so I I DJ um when I'm not um working. at a law firm. Good. So, we have time to DJ, but we. can't do our own laundry. Again, priorities are that is a priority.

Well, it shouldn't be. It sparks joy, huh? It sparks joy. Sure. Doesn't clean clothes? Yes. That's why I have somebody else do. it. How much you sp That is not a cheap. hobby, man. People get in the equipment. world hard. I've come from the music. world. I know how expensive this How. much have you spent on DJ? Um, we're probably around 10 grand. 10. grand. Yeah. New controller alone, you just. spent 3,300. Oh, what is your life? Why have an. emergency fund to be able to pay our. mortgage on time when we can spend 3,300.

on a new controller? I bet your beats. aren't even good. You should come to one of my gigs. No, I will never be seen. Oh, Door Dash. Door Dash. Gongcha. Winning and got some BS. Winning and got. some BS. There's just uncloud monthly. Grand King Spa. So, we have time to go. to the spa, but we can't do laundry. Lots of time to do pretty much anything. But basic chores. Vickiy's gardening. I had some plans to um put in my.

landscaping. Great. So, we're landscaping, but we're. not doing laundry. Dude, this is so. stupid. Winning and got some BS. gardening again. Oh my gosh. This. statement is this statement is insane. This statement is insane. Winning and got some BS. Pressed uptown. Plaza. DJ Pool. winning got some BS. Ubby Doobie. Ubby. Doobie. Ubie Doobie. I'm sure it is.

What is this? Number six. And we still. haven't done laundry. Oh, winning. Got. some BS. DJ City. Number seven. But we. No, that's a subscription. West. Enterprises. Ubie Dooby. Ubie Doobie. So. that's number seven. Renaissance. Tom. Thumb beat. That's a grocery store. Panera Bread. Yeah. Well, you went in. there, buddy, and you spent $9. So, I. know for a fact you weren't getting. groceries to. Oh, Red Bull a snack. Yes, Red Bull and a snack. Went and got. some BS. DFW Branch Shop went and got.

some BS. Univision shop, I think. Amazon, Vending Machine, Music Mate, Vending Machine, Spotify, Uber Eatats, Beatport, Cap Cut. Foring what? I don't even know. Oh, for sake. Oh, you. have lifestyle inflated beyond. beyond. what you could possibly handle. And good. luck coming back down to earth, man. Dropbox. He pays for that as well.

360 Market racers. video. What even is that? It's 114 bucks. It's. an adult shop. What are you getting? What do you get in an adult shop? I don't know. What are you getting? Wouldn't you like to know? That's why I asked. What do you think. your question is? Um, what did I get? Just twice. Another concert sake, man. See tickets. and seagulls beverages.

[Laughter]. You've had a late fee this far year so. far. I'm sorry. You've had a late fee this year. Had a. couple. The slippery road that he doesn't seem. to understand is slipping. I mean, obviously I don't want a late. fee. And most of the time I get it right, buddy. We're not even fully halfway. through the year yet. And you said a few.

you. You're choosing all that [ __ ]. The Red Bull and a snack. and then you're late. I I don't know how those two have. anything to do with each other. But. what are you, buddy? If you're going out. blowing all your money and your minimum. monthly payment is so high that you are. too afraid to put something on an. automatic payment. I'm not afraid to make a payment. You're too you're too afraid to put it. on an automatic payment because they're. just so chunky. You're afraid that. you refuse to listen to the idea that I.

don't I don't get paid on a consistent. schedule. I don't get paid in in align. with the due date of every single bill. in my mortgage statement. So, I don't. have everything on autopay. Sorry. If. you're budgeting like a big boy and not. blowing all your money, your minimum. monthly payments wouldn't be so high. that you're not afraid that they can be. on a minimum monthly payment that you. are having on an automatic payment. You shouldn't be afraid if you budget. properly. Your min your minimum. advantage shouldn't be so high that.

you're afraid of an automatic payment if. you're not spending all your money. What. are you talking about? Where is this. logic? I don't know. Oh, you know more than me. about this, I guess. Buddy, this isn't complex stuff. This is. a very basic show. Very basic show. I. yell, I goon, I roast, and we talk about. basic finances. Come on. They ask you how you are, and you just. have to say that you're fine when you're. not really fine, but you just can't get. into it. Saying, "I'm not listening to your. logic. I understand your logic. Your. logic's flawed. Your logic's moronic.

It's you blowing all your money until. you're maxed out.". All right. Well, that's where where I. That's my perspective. Your perspective. And if we have a. flawed perspective, maybe that's my flawed thinking. I don't. know. I'm just telling you where I'm coming. from. You don't seem to accept that. So. if we have, but the thing is if we have. flawed thinking or flawed perspective, that's when we change it. All right. Teach me your ways, sir. Teach me your ways. I just did. If. you're budgeting properly and not. blowing at all on snacks and Red Bull, it's that's that easy. You budget and.

you don't blow all your money. Your. minimum payment gets lower. you starting. paying it and you can put it on. automatic and you budget properly and. you won't be afraid when they hit. I I don't know. I'm sorry. I I'm sorry. I I don't understand the. complexities. May maybe you can tell me. where you're confused on that. Let me be. real with you. You can't fix your. finances if you're running on 4 hours of. garbage sleep every night. And I'm not. talking about staying up late grinding. I'm talking about tossing and turning,

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I'm not confused. I'm just telling you. where my mind was at, where I'm at. Where like where I'm at. So, that's. that's it. Yeah. But you can change your thinking. I mean, you're having late fees again. That's why I'm here. I mean, I'm trying. to Yes. Yes. We're We're First step is. acknowledging a problem. Mhm. Second card. Well, this is another city. advantage. No. Yeah. I like the travel benefits. which is completely negated by all the.

interest that is occurring. So, I don't. really understand. I don't know. It's paying for my trip. next month. Yeah. And you've more than paid for your. trip in the amount of interest you've. given them. I still enjoy it. Okay. But you could have paid for it. plus maybe a first class ticket. if you weren't giving them all money and. interest. First class. I'm saying you the money would have. stretched further. Okay, gotcha. What do you Where are you going even? Um Tomorrowland in Belgium.

You You have maxed out credit cards. You. were behind on your mortgage and you're. going to. Belgium. What? You are prioritizing the wrong. things. You are living such a delusional. life. You are going to be the wealthy. person that loses it all and everything. You could be so wealthy. You could be so. wealthy. You could. I don't know why you accept this life.

No wonder he left. $5,93.99. with a minimum monthly payment of. $224.11. You purchased again $1,454. on this $173 of interest was acrewing. Is acrewing. You're also going to Peru later this. year. My dude, my absolute What are we. doing? A wedding. All right. You're getting married?

No. Then I don't care. You don't You can't. afford it. It's as simple as that. Destination wedding. Some people If. someone picks a destination wedding, they have to accept it. Not everyone can. afford to go. It's Machu Picchu. once in a lifetime. No, no, you make a lot of money. You can go. multiple times in a lifetime. I don't want to go time. You can go one time later. I want to go with my friends and. celebrate.

Max out. wedding. debt. Couldn't even sell your house right now. You'd be underwater. I I I told you I'm dying in my house. Yeah, but if in case of an emergency. laid off, you would rather sell it than. get foreclosed on. Yes, of course. You wouldn't be able to sell it. After commissions and fees and. everything, no, you'd be dude, I feel like the the the scared points. have kind of made it easy. I mean, the. points paid for all the travel.

Shut the dude. Yes, but you have paid more in interest. Why do you think they make money? They're not a charity organization. handing out free travel. Uh, Zatio, Fifth Fireside, Select Start, Arcade, Arcade, Arcade, Grand King Spa, Waterburger,

Pax and Beneficial, Yolk, Maine, Brunch. Great. All this while we're. paying for laundry again. STK, Papa Dos, by the way, laundry services, someone. comes and picks up the laundry, washes. it, and brings it back. Well done. That's. I'm letting them know because why the. would people know that? I only learned. about this a month ago when someone. suggested to me. Who the knows these. things? Like, it's not He's not going to. a laundry place. They're coming and. babying him. Papa Docks, DJ Suits, RSV. Complex, RSV Complex, Thirsty Beaver,

Waterburg, Taco Bell, Burger King, Panda, Pagota, Coin Op, Northpaw, I don't know, Observatory, North Riches, riches, riches, drink, drink, drink, or a. development. business. a late fee this year as well. on this card. I'm telling you, what the are we doing?

This month I was just distracted. Every month it apparently seems cuz it's. the three month. because I don't get lay fees every. month. It wasn't this month though, but you. were late on your mortgage this last. month. So you have had. the same cycle. No, this is I'm saying this year so far. It wasn't this last month. Yeah. It wasn't this last month. You've. had multiple months within this year. Are you looking at interest? Oh my I'm. saying fees late fees buddy mortgage was. behind this most recent month earlier in. this year this was behind earlier in. this year another one was behind you are.

having multiple times throughout just. the 6 months we have been existing this. year where you have been late. all right but did you see the payment I. made the day after because I knew that I. missed the payment I was like oh let me. pick that up. and you're paying fees because of it. look how you're managing. that's the consequences of my actions. no it's the consequences of credit cards. you're not a credit card person. Why. would you possibly use credit cards? Because I used to be really good at it. Doesn't matter. You're not. I don't. care. I mean, I've just kind of gotten in a. psych. A murderer used to not murder and then. they murdered. We should probably put. them in prison. They're probably cuz.

they're a murderer now. Listen, you're. bad at credit cards. Okay. This is a tool that you are. It's It's a. tool just like a hammer, but you swing. it back and hitting yourself in the. head. I mean, I used to pay pay I I used to be. really good, you know, pay it off by the. due date in full, you know. Okay. I I I don't I and then I got in a cycle. and I got carried away and. Yeah. which is where you are. So why would we. still use credit cards? I used to. Well, because you know when you get into. this cycle of using credit cards for. everything, then all your payments need. to go to the credit cards and then you.

don't have anything on your checking. account left. I understand how that works. I'm just. So you're asking how do I why why am I. still using them? Because I'm in a cycle. and I don't know how to get out of it. Um buddy, all you're spending on here. has been [ __ ] You don't have to. spend this money on this stuff. If it. was necessities, that'd be a different. conversation. Never looked at it that way. Oh, okay. Well, either way, buddy, listen. If you used to be a bad person, you no. longer are. I'm not treating you as a. bad person. You turned your life around. Okay? It's not TikTok where we punish.

people forever. Okay? You used to be a credit card person. Now. you're not. I'm not going to treat you. as a credit card person because you. were. You are not right now. That's all. I care about. So, I see. What happened? What was the turning. point where you were like, "Okay, I was. paying them all off and all of a sudden. not.". I don't know. The credit they're they're. good at what they do. They give you all. these intro offers and they let you. carry balances and there's like 0% for. such a long time and then it sneaks up. on you and then they have these um like.

built in with a credit card. They're. like, "Oh, do you want to take 6 months. to pay this large purchase off?" And and. sometimes I do that and it's like and. then all that expires and here we are. I. I don't know. There there's a lot of. reasons. Um. a lot of reasons other than you just. being like, "Oh, I'm bad with money.". Yeah. I've had that realization. Yeah. But all the reasons you gave were. everything outside of you and what. you're doing. Deflection. Deflection. No. accountability. How do you get it far in. life without accountability? I don't.

know, man. You got to change. You got to. realize what you've done is wrong. I mean, honestly, I'm not accountable to. anybody. But you should be at least to yourself. That's fair. Also, you're accountable to your boss. What the [ __ ] are you talking about? You're also accounted to accountable to. the city to pay your property taxes, which I do. Exactly. You're accountable to people. accountable to the bank to pay your. mortgage. I just don't. Yeah, but but it's a lie. You are. accountable to many people. That's just incorrect. If your worldview. is there, we need to correct it real. quick because you ain't just walking.

around not owing anyone anything. That's not my world view. I'm just. saying that's that's part of the. problem. I mean, I I just I love the. moment he gets called. I don't Excuse me. I don't have. self-discipline all the time. I'm I'm. impulsive. I I I I don't Am I giving you. the answers? Like, this is I'm trying to. tell you how I got in here. And this is why I love it. This is the. This is his answer that he gives for. everything. He says something that is. like objectively a bad worldview. I call. him out on it. He's like, "Oh, but.

that's what I was thinking. No, you just told me you're accountable to. no one and now you're saying, "Oh, that. was just past me thinking." I called. you. I said, "I said I am an impulsive. person.". You said you're accountable to no one. The two are not mutually exclusive. But that's what I was talking about. That's what I was having a conversation. about. Unless you're having a different. conversation. I don't know. Excuse me. You're dying. Don't die.

Air. Sorry. Are you okay? I'm okay. Yeah. You still got Coke eyes, so I. don't know. Coahina. No flower. I hope I didn't sleep well last night. A. little nervous. Little nervous guy. Yeah. Yeah, that's okay. I'd be nervous, too. I get it. Next is a slate card. Oh, good. We paid $500 towards it than we. spent $3,083. I don't understand the point. You have. $4,535.19. with $145 minimum payment. These.

minimums are stacking. No wonder we're. laid on sh. Who would have thought? It's. not a disorganization. It's you have. stacked your minimum payments so high. that they're hard to afford. 15 years to pay off minimums only. without any purchases. Oh, here's a $40. fee. Yeah. So, this most recent month on this. one was a late payment. Multiple months. throughout the year, four accounts so. far, all behind schedule. I'd vibe with. your logic if you at least made. something on time, but so far you. haven't. It's been completely.

It was a bad month. No, no, but the other ones were from. previous months. So, every month's been. a bad month according to you. No, you. No. Okay, think what you want. What? What? What are you talking about? Again, on the other the two credit. cards, these are in the same month. No, no, you t You're not listening. I don't know what you're looking at. because this makes no sense to me. I. don't make late payments every month. I. don't incur late fees every month, but. we've had four this year. We've had four. this year so far. One from this most.

recent month. This one, right? This statement is from the most recent. month, and you had a fee on this. statement for not paying on time. Your. mortgage was behind from this most. recent month. Okay, good. We got that. Yes. From those two, the two credit. cards that we talked about before this, the fees happened earlier this year, not. this most recent month, earlier this. year. So, you have been late at least. twice, a couple times. I we've established. this. I don't know why you keep saying. it. Like, yes, I. because you just said it was a hard. month. Suggesting that everything has.

been this last month. No, I'm not suggesting that at all. Oh my gosh. I'm saying I've been late a couple times. and you keep repeating it. I don't know. what else to tell you. Yes, you're. right. Then why say this was a hard month? You're only looking at this last month's. statements. I'm just saying it's not something that. I've that is a regular thing for me. Four times this year. It's been 6. months. I don't know what you're talking. about, man. Maybe twice. I don't know, maybe two. months. I have four. savings. Maybe we're looking at two. We're. looking at it different different ways.

I'm just looking at the savings. Yes, I understand. You're looking at it. account by account. I look at things. month by month. Hey, okay. And and. you can't tell me what months from your. two the the two city advantages that you. were late on. Would you even know? No, I don't. So you so you're not. looking at things month by. month that but generally when I'm late. on one if I'm late on a credit card. there's a good chance I might be late on. something else in that same month. memorizing it just happens but you don't. know when you were late just like a. couple months ago like I would I would.

know it that's not memorizing that's. just it happened so you know. we dedicate our memory to different. things. Yeah, but that's a simple one. That is a very simple thing. Very simple. I'm just saying by and large the. majority of the time I'm not late. And. majority of the time. it happens. Whatever. Four in 6 months. Okay, that's a majority. Apple bill. Apple bill. Roku for Disney. Apple bill. Main Street Bakery. Apple.

bill. Faded and co. Beatport. Beatport. The amount you're spending on this music. sh is insane. Instead of actually paying. off our debt. What the Apple, Best Buy, Guitar Center, IKEA, Wendy's, Guitar. Center, $563. Come on. Amazon, Apple Bill, Art, Nail. Spa. They look like nails. A Clifford, dude. Urgent CBD hookah.

door dash pass strike and reel insomnia. cookies going in getting some BS. Insomnia cookies strike and reel singles. beverages. So you are trying to get back. out there. I see. I'm sorry. Singles beverages. It's a liquor store. Oh for singles. No seagulls. Seagulls. What were you going to say? No. Uh, insomnia cookies. I sent my dad. some cookies for Father's Day.

H, you can't afford it. You have two. different gym memberships. Why? Uh, one for cruising, one for working out. That's funny. Uh, no. I. Gold's gym, ladies and gentlemen. That's what they're known for. Really? Guess I'll have to go get a. third. I don't know. My video editor used to go. to the one downtown. He said men were. always trying to get a little gl. Um, I. just need to go into the LA Fitness and. cancel that one. I just haven't do it.

There's so many easy things that you're. able to do. Just even save a little bit. That would at least allow you to like. It's not what I want you to do, but at. least you'd be able to spend that money. on something more beneficial to you, more fun. Like I would rather put it. towards debt and budget, but even still, just you'd be able to. You've had three late fees on this card. alone this year so far. I Yes. Really,

buddy? What the. You're right. Three out of six isn't. technically a majority, but it is half. The are we doing? What the are we doing, buddy? You can't be trusted to make payments on. your own without automatics. You can't. You can't. You You're not. disciplined. You're immature. financially.

This is You're spending so much on. [ __ ] Late free fees acrewing like. mad. Interest like crazy at a 27.24%. interest rate. Can you pull out your phone for me? You have two phones? Yeah. One's a work phone. Are there. subscriptions on that? No, I don't pay for that. That's work. issued and all that. Do you have Botox? Yeah, you should get it. I'm considering it, but I don't really. move my upper forehead. That's why I. don't have any lines.

You also have hair like. Yeah, but I could change my hairstyle at. some point. That being said, I do have a. little this and a little this. So, but I. noticed your forehead is not moving. You got Apple one ch but that is. expiring. Cord butter easy songwriting. I don't know. It is expiring [ __ ] all the time. Snapchat plus. when is that still active? It's expiring but the fact that you. actually did it.

and of course you have this one here and. then Roomster. X walkietalkie rattle. Yeah, you get so. much balance premium I room. finder. No, these ones are canceled. But. just see what you've had. LinkedIn, Max, Disney Plus, Grinder, Apple, Canva, Hulu. You were trying to get back out there at. least in September. What happened, buddy? Why'd you stop. trying to get back out there? Well, there's a difference between.

getting out there and looking for a. relationship and looking for a good. time. So, as many of you know, I've been a big. supporter of course careers for a long. time. I'm not just a partner. I actually. own stock and I'm an investor. So why. did I partner with course careers? Because I truly believe in what they're. doing. A lot of people have questions. about online certifications versus. traditional college degrees. Let me be. clear. I wouldn't put my name behind. something unless I knew it worked. The. thing is, not everyone has the time or. resources to spend four years in college.

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up-to-date self-paced courses, one-on-one or group coaching from people. that work in the industry, and most. importantly, they help you actually get. hired. Just look at graduates like. Nomeso, who went from driving FedEx. trucks to a cyber security job at. Disney. That didn't happen by chance. He. put in the work and course careers. guided him every step of the way. And. what truly sets course careers apart is. that it's not just about learning. skills, about landing a job. Their. curriculum is designed based on what. employers actually need. And their. network of industry coaches will guide.

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authorized user on my ex's account. And. Oh, it's a 50-year-old. Oh, I I didn't realize I was on my credit. report. I had no idea I was an. authorized user. When did you become an authorized user? How old were you? A couple years ago. Couple years ago. Okay. If you're a 21, a little immature, I can understand. that. Why does it matter? I'll call and get it. removed. Why does it matter? Because you got on a. couple years ago. You should have known. better at 27. As an authorized user, you didn't at. least look up what it would be because. you can look anything up. You had a chat. GPT subscription. I know you're able to.

do a little bit to look up. How does this affect my credit? I don't. know. I mean, I want to be informed on the decisions. you do. Yeah, if he doesn't it up. I see. a balance of 979. But if I I mean, well, that's not good. Yeah, I'll dispute that. At least he's making dispute it. No, you're an authorized user. No, I can remove it. Yeah, and you need to. All right, then I'll do that. But you. have I. I didn't know it was there. You sent it to me. Okay. But how many pages was that credit. report? 60. You don't look at things.

No, buddy. These are under your account. section. You. generally I I generally don't look at my. credit report. You know why? Why? Because there's never any late payments. reported to it. That's all you care about? If I'm not If I don't have negative. credit history, then why would I be so. hyperfixated about my credit? Not being hyperfixated, but you've had. this for a couple years. cuz you've. never looked at your accounts once. Also, I have no desire to open more. credit. So, why why am I good? Like, that's that's the same thing. Thank you. I appreciate.

So, why would I look at my credit. report? I'm just saying, listen, you sent this. to me. You you were authorized you were. an authorized user on his account and. you did not know what that impact of. that was. Well, I I didn't I didn't know that I. was on there at all. That being said. though, buddy, um, like if you do care at all, this being. removed will be an account removed from. your credit. So, it might slightly hurt. your credit if this has been managed. correctly, but it is also risky to have. someone else. So, I'd still rather get.

it, but it is going to potentially lower the. age of your credit, which will kind of. suck for your credit score. It'll it'll bounce back eventually. I. mean, eventually. But this is just something. to be informed about. I'm not going to. add that into your debt situation. I. would definitely uh get on the website. for sure though. I'll take care of it. Huh? I'll take care of it. Okay. TD car through TD. Mhm. Okay.

I love that the one account that wasn't. passed through was someone else's. account, but we're passing through the. car. You better believe it. You better. believe it. Jeez. What is the car, dude? I'm sorry. What is the car? Oh, I drive a Ford Bronco. $32,44423. The minimum monthly payment of 790, but. of course we owe$,580 because we're. behind. What the are we doing, man? What. is the interest rate on this? It's probably like I think seven.

Okay, that's not great. No, not like I'm going to vomit, but it's. definitely not great. Take that. I mean, that's barely competing with the market, throwing the money in the market. But. taking depreciation, you're definitely. losing on this. It's worth a few hundred. bucks less private sale, not trade in, private sale than you owe on it. So, it's not great. It would be hard to get. out of. But honestly, one thing I would. consider doing if if we really care. about paying off our debt, one thing I. would consider doing is selling this. private sale, getting $10,000 car, and. getting a $10,000 loan on that. Getting. that car. Don't trust me. I know the.

first thing you're going to say is, "Oh, it's going to be a beater. It was going. to be. No, I was literally. You take it, you get it approved by. multiple mechanics before you purchase. it that you're not going to have to pump. a lot of money into and it's going to be. safe for a few years. That would be a quick way to one. eliminate a the chunkiest debt so far. for sure except for the mortgage. obviously. Uh but that would and also. just our minimum monthly payment would. be lower and that allows us to throw. more money at the other debt. The the. fact is you can afford this. This is.

relatively fine if all that other stuff. didn't exist because that other stuff. exists and you can't just sell a credit. card to pay off a credit card. You need. to sell this car and throw everything we. can at the other debt and then you can. get even a nicer car honestly if you. want to after that. But it's the. sacrifices now for a better future. I'm open to it. You're actually open to that? I. appreciate that. That is a rare thing. this car. Like I love my car, but like I. used to have a a like a Ford Ranger that.

had a 0% interest rate. I loved it. That's a Ford [ __ ] Ranger. What happened? I totaled it. Okay. And. did you have GAP? Uh I had I didn't have GAP, but I had a. lot of equity. Um and around with that, but that's a whole different story. But. I mean I this car I kind of was bought. out of a necessity and just had to take. what I got as far as interest goes. I. mean.

and you didn't use the equity from that. last car. Where'd it go? Credit cards, which we know how that works. Again, this is same thing with putting your tax. refund on it, same with putting the. equity on it, same with bankruptcy, same. with credit card consolidation. Someone. like you that is incapable of changing. their behavior yet, and I hope you do, but someone who has not shown any. indication of being able to change their. behavior because you spent more than. your higher income month because of the. tax return and you're late oning. everything. You can't do any of those shortcuts. You.

shouldn't have put your tax return to. that yet. I would have just put that on. account, let us sit until you fixed your. behavior and then throw your tax return. towards it because if you do not change. your behavior, you're going to end up. like everyone that's been on the show. after bankruptcy or consolidation. You're going to be right back in that. position. And guess what? You did. You. threw the tax return at it and then you. spent $2,500 more than you even put. towards the card. This is what happens. You use the equity from that car. You. use your tax return. You use bankruptcy. Whatever you do, it just immediately. it's because you did not change. behavior.

Why we passed you on a car? A car that's. not even completely honestly. Why? I missed the payment. This is every. account besides your ex's account has. been late this year at some point. Like what are we doing is this doesn't. make sense. You have such a privileged. position. and you're throwing it away. How long. have you been making this good of an.

income? Um. 2 3 years. I'm sure part of it was lifestyle. inflation, but you're too far in. You're. too far in, buddy. you you are 29. There's no excuse for immaturity. You. should be learning how to budget. I. don't understand. Of course, we're going. to get you set up with the premium. version of our budgeting app. We're. going to put you in our servers, Dollar. Central, where you get all of our. classes as well, which teach you how to. budget, invest, get real estate, which. at least you did that first part. But,

uh, in our class, we would have taught. you not to do what, which you didn't, and you wouldn't be in a position. You go through all the classes. cuz you should be budgeting at 29. I'm. I'm concerned that you dealt with that. you haven't even attempted. It's scary. Student loans. Chunky. How many student loans? Like 20 grand. And your payment on your student loans? Like 150 maybe. Okay. It's a bit lower than I'd think. Why? I mean, it's the cheapest debt I.

have, so I figure why rush to pay it. off. Is that the standard 10-year payment, though? I don't know. I think it I think it I. think I did stretch out the payments so. that. Why, though? Why would you do that? Cuz. you're just going to be paying more in. interest. I just use the standard 10. Well, the interest is. nominal and it comes out in the taxes. I can kind of vibe with that relatively. comes out in the taxes at your income. at your income. I mean the last tax.

return I believe. Did you push for it? I was deducted. It was deducted I. believe. I think there. you were like at that threshold. Did you. make as much as you said? It might have been I I mean you have my. bank statement. No the total the total yearly. Yeah. Yeah. I mean it might have been a. timing thing like but I don't know. I'm seeing student loan 17,343. Yeah. I would have guessed it would have. been closer to about 22 250 in the 10. year. I mean, I'm okay student loans a.

little more on the back burner general. interest wise. It makes sense, but I. would at least just do the 10-year. payment. Just get it taken care of cuz. 10 years is still a long time and we. don't want to have debt over our head. Makes it harder for us to do so many. things in life. It's risk. Yeah. Though it is one of the least risky. debts cuz there's a lot more uh. flexibility when it comes to like losing. a job or something. Why are you even. here? Why are you on the show in your. perspective? What are you trying to do? So, um, my best friend, um, told me that.

I had to be on the show. She was. really. Yeah. I mean, we talked we talk every. day. I don't know because she I guess. she's a big fan of yours. I just found. out about you about like a week ago. Well, she looked at you and she's like, "Go on the show." Why? From your conversations with her other. than just being a fan. She looked at you. and determined, "Yeah, you got to go. over there.". Well, she's got the best in mind for me. I mean, she's she's the one who told me. to buy out my ex to the house, just like. she she she I take a lot of advice from. her.

Okay. Did the ex want to get bought out of the. house? No, he didn't. He was he was he was. about it. Was it a Did it make sense at the time? Cuz I would agree in general to get him. out, but you had to take out some weird. debts to get there. It did. It was definitely not. traditional. Um he didn't want it. because he was like well you know he. didn't want me to have the house cuz. he's like well what do I get out of this. rel relationship? Well the equity that. you put in you had in the house that's. giving you you money. So but um so he.

was just being petty. Um. bad breakup. Yeah. I mean yeah what what breakup is. good? I had a good breakup last year. I must be nice. It was nice. Well, I mean, it's not nice. to break up. The gays don't break up very well. Okay. Drama. Um, but. but I'm sure he's found a nice new twink. now behind, right? Yeah, he's imported one. They're legally. somebody else's problem. See, um, they're married very quickly. Anyh.

who, um, the, uh, gay men have the lowest divorce rate. I wish him well. Um, do you What does your friend tell you. quite often? You guys have these. conversations around money. She's basically like. bet she's not as I am. She's um. she's basically like a a female version. of you except a little bit toned down. Little toned down. I was going to say. cuz I'm a. Yeah. She's a little bit more um.

nice. Yeah. Yeah. Well, most are. I accept that. Yeah. But what she what does she say you. should do here? I mean, budget. Okay, that's it. Has she done the deep dive? I mean, she I I everything I sent to. y'all, I sent to her. and. and she's like, "Well, yeah, this is a. disaster.". Is it embarrassing? It is. Listen, 277,000.

is your mortgage, but your total debt. pile is $415,000. She's like, you have almost half a. million dollars in debt. Yeah, but half. of it's your mortgage is chunky, but. it's really only half still, right? Like that's crazy. Your checking account. I mean, this is I. mean 2,000 ML. Glad that's in there. The only automatic payment it wouldn't. Well, it would technically be able to. afford every minimum monthly payment if. you put them on automatics.

Not at the same time. But if any of them. were to hit, I guess. you're mortgaged by $1 and one cent. uh. in 4 cents. My I guess maybe my thing with the. minimum payments is like I don't make. minimum payments. I'm always making more. than that. That is not what we Come on, buddy. That. is not what was seen in these. statements. Well, no, I'm spending more. Like I. said, on some of the credit cards, you. put more than your minimum payment, but. then you spend more than you put on it. So, it's like. But that's what I'm saying is my bank. account my bank account is is empty at.

that point or like. if we are doing something and it's never. working out, what do we do? Yeah. try something different. And why. aren't you then? Why haven't you sat. down and tried to figure out what the. be I get overwhelmed? Cuz it's. You're. working legal though. You're working. overwhelmed. I'm really good at solving other. people's problems. And then when it comes to your own, you. just freak out. Yeah. Go to therapy then. I don't know. Maybe I should.

You don't? No. [Applause]. Cash App. Zelen Money Out $255. Zeling. money out $62. Zelen money out $30. Sniffies. H. You paid for sniffies. And we at Hammer Media here know what. sniffies is. We love to joke about. sniffies. It is like the craziest. If. you go to that website, it is the.

craziesting thing you see. We had a. Gooner that worked here once. Pure. Gooner. I love him to death. He just. showed us around Sniffies. Let me tell. you that thing. It is a It is. You open. that website. It is a map full of. schlongs that are hanging and flopping. around booty holes. And you just pick. which one you want and you go there. It's. like a buffet. It's a buffet. And there's like there's. like locations where it's like go to. this bathroom and you can uh come. It's crazy. And you're paying for it? I.

didn't even know it was a pay for. Well, I pay I Well, I I do so so that I. can hide from people. Like, if I like. You can go You can like go in hidden. mode. If I'm messaging somebody, I don't want. to hear see a bunch of messages from. everybody else. Dude, this is like a fast track to an. STD. Sniffies. You're showing up to a. picture of a schlong and you're like, "That's the one I'm choosing today.". Prep and doxy. You're using Yeah, but. that What's the other one? Doxy. I don't know what that I know. Prep does.

HIV. What's the other one? Um Doxy is It's like a post um. interaction. So, it'll prevent syphilis, chlamyia, and gorrhea. Does that is that is it in the. antibiotic world? Yep. You take two pills. That can't be great though, right? Always hitting yourself with that. That's going to make you resist. I mean, I'm noting around as much as you. think I am. Well, you're paying for sniffies. Sniffies. It is the craziest platform. Well, you've seen I like to acquire. subscriptions. So, that was an unnatural. natural progression there. So, you're just going to San Diego work.

trip doing some unstalls doing some. holes glory holes and. No, I'm a little more classy than that. Really? Isn't that That's all I saw on. that app when he was showing us. It's. not even an app. It's like a website cuz. the app store won't even allow it. Right. I think they just banned it. Yeah, cuz it's insane. It's a It's a It's a hive. It's a hive. of hives. Different strokes for different folks. Yeah, but this this entire app is just. pictures of people stroking. There are literal guys, if you're if you.

want trauma, go to that website and you. will see. we call it trauma. I call an. opportunity. You will see you will see you will see. in progress on that app. Yeah, you will see in progress. You will see. someone that just posts a picture of. their hole and they're like, "Come. through." And there's like, "Oh my gosh, it was one of the craziest experiences. ever.". See this? I'm sorry. Should be sorry to your body, man. That. crazy. That is crazy, man. That's It's.

one of the craziest things I've ever. witnessed in my life. And you're paying. for it. That is wild. It's a good investment. I never thought I'd see. Is it? It's one. of the craziest things I have ever. I never thought I would see it on this. show. Wow. Oh, $40 in our savings. That's. emergency fund. Almost enough to pay for sniffies.

HSA, I'm glad to see a little bit of. money in there. Guess it pays for all. your postnut. antibiotics. $25,000 in retirement. Definitely not. even close to where we'd want you to be. We'd want you to be around probably. 112,000 right now. Really? Yeah. Cuz by 30, you should be a minimum. one times your retirement. Really? Okay. Yeah. One times your income for. retirement is the traditional thing. And. honestly, those traditionals usually.

don't even give you enough if you want. to maintain your lifestyle in. retirement. Let's get you a budget. Okay, we know what hits your account is. $7,583.30. on a monthly basis. Let me get your. debts. Wait, I didn't see your other. debts that you said you have for this. house. The home equity loan. Where is that? I sent it. How much is it? How much is owed on it?

Uh, I can pull it up. Okay. I do have it in the spreadsheet. I. just don't think I had the document. $48,477. What is your minimum monthly payment? It's $51. Oh, yeah. And the 401k loan, is that still active? It is, but that's like a $25 payment. It comes out of my paycheck. No, no, no, no. That's not the scary. part. If you lose your job, they can. call it due. Then they have to pay the. whole thing. It counts as a withdrawal and I have to. pay taxes on it. Yeah. And penalties.

I mean, not lose the job. Uh well, yes, but recessions happen, law firms. close. Yeah. You know, a lot of things happen. Okay. So, again, the home equity is. 48,877. What's owed on the 401k loan? Uh I think it's on that page, the one. that you just tossed. Let me find it. Okay. It's got a pie chart on it.

I see the repayment. $74 by the way, not. not 25. per month. Okay. I don't see the loan specifically, but. it's okay. It's okay. I don't need to put that in. your loan thing. Oh, you're in a in a. target date index fund. That is good. I. am happy to see that. I don't know what that means. Um, you're it's essentially applying. risk based on what year it is close to. retirement. You're saying you want to. retire around is the fund you picked. So, right now it's going more. aggressive. As it approaches60, it gets. more conservative in like bonds. Now,

typically index retirement funds do. start moving a little heavily towards. bonds quicker than most people would. suggest. However, for the average person. that doesn't want to get in and mess. with the retirement and a lot of stuff, index retirement funds are good. Average. person gets a little too pond heavy, a. little too quick in my opinion and. honestly, a lot of invest uh uh uh uh uh. CPA's. opinions, but it's good for the average. person, so I'm okay with that. And that. gets you about 65 for retirement, right?

Uh, looks like you still owe $3,821. on the 401k. The 401k. It's chunky. All right, let me. get your minimum payments. That $5001 is. substantial. A substantial thing we've. missed. That's chunky. So, not including. your mortgage, your debt minimum. payments alone are $1,81011, which for your income, nonmortgage debt, is already 24% of your income. A. quarters is going to minimum monthly. payments. Now, are we shocked that.

there's late fees? I I'm not, unfortunately, at that point. So, we. know your mortgage is $2,1174. Utilities, gas, electric, internet, trash, sewer, all that combined, how. much on a monthly basis? HOA is $270. That's a chunky HOA. Oh, for what? It's a neighborhood. It's. not even a. I mean, they do all the landscaping and. the amenities and it's just. that's expensive landscaping, let me.

tell you. Welcome to Dallas. I live in a more expensive city. I live in a new development. I'm moving to a new development and. still it's. be prepared. Landscaping is not that I know what it's. okay. Electric, water, trash, usually around. 200 a month. Uh gas I would say I would. put 40. Uh internet 50. Phone 160. No, not phone. Okay. So, for utilities. 560. Okay. Now, what's your phone bill? 160.

Chunky. You still owe on your phone. Yeah. Take you should just be buying your. phones, man. It also just it makes it. harder to transfer if you ever want to. 0% is 0%. I know, but it makes it harder to. transfer if you want to for a cheaper. carrier. Gas V from drive drive on a monthly. basis. I. two. 200. 200. 250. 250 Okay. Uh car insurance. 285. Necessary food, groceries, $300 a month.

Follow the recipes in our budget. friendly cookbook if you need help. But. meal prep, meal prep, meal prep. And. yes, you can put in a little time to. meal prep. You'll be fine. And buy your. [ __ ] in bulk. We can get you $250 a. month. I'm giving you an extra 50 for. Red Bulls. [ __ ] Blah blah blah. TP. fun. Anything else you need? Poppers, all that good stuff. $100 a month. Medical bills, how much do you need for. co-pays? Whatever you do on a monthly. basis, just you have those medications. So, I mean, um. I think my HSA contributions can cover.

that. Like I I I don't have a bunch of. medical expense. I have a after the. Okay, that's fine. after everything I. would say 2500 a year. for like. that's. cuz we have uh health reimbursement that. like lowers the deductible. but you don't take it out of your. checking account. No. Okay. From your HSA which is getting. funneled through your paycheck and we're. talking about your net income so we. don't have to worry about that. Okay. So. $0 subscriptions I'll give you 25. You.

decide where that goes. Do you have any. pets? Nope. Are you not alone? I am alone. You don't feel like lonely? I love it. I guess this is why you go to clubs. every second of your life. Okay. So, no. pet insurance, no pet food. That's okay. Anything else that needs to be in your. budget that I have not put in yet? Not that I can. No, just so you can do your hobby. I'll. do subscriptions to $75 a month. But no. more buying new equipment. Understood. What? No more equipment.

Yeah, for now. Well, I don't need anymore. Well, trust me. Trust me, buddy. I'm I'm. in that world to a to a point. You. always want the new thing. I mean, this is pretty simple. If you. literally just budget and I gave you a. higher subscription fund than anyone, $5,657.15. Okay? So, you don't have to cold turkey. I'm going to give you $250 in fun. So, you choose where that goes.

So, let's say you need $5,97.15. to survive. Now, minus your $7,583.30. that comes in. You have an extra. $1,676.15. left. Let's minus the student loans. Let's minus the mortgage. Let's minus. the 401k. And you have bad debt of. $120,79411. It's your Chase Slate card, American. Express, American Airlines or the.

American Airlines, American Airlines MX. card, home equity, auto loan. Home home equity you consider bad debt. It's 10%. Okay. Yeah. This is bad interest. It's losing. to the market. You know, car loan is that bad debt as well? Yeah, cuz it's 7% on a depreciating. asset. And your mortgage is an asset. that is going to go up in value. traditionally and student loans is a. lower interest rate. So, those I'm not. freaking out about. But $120,794. in bad debt. Honestly, your 401k loan, I'm not putting it in there because it's. automatically going from your uh gross.

income before your net hits. And we're. just basing this off of net income. But. that's also not great debt cuz it is. risky debt to have if you ever lose your. job. But of the $120,79411. with your $1,676.15. left over, that takes 72 months to pay. off, which honestly for how chunky that. debt, 6 years isn't the worst. But what. I would do, my guy, is you're obviously. in a career field where your income can. keep going up. What I would do, I gave. you $250 for fun. I personally wouldn't. do that. I would try to pay this off in.

four and a half years instead. Uh, which. is probably where that would get you. As. your income goes up, I wouldn't. lifestyle inflate anything. I wouldn't. be going on trips. I wouldn't be doing. anything. I'd take all that money and. pay this off. I think you can pay this. off in about three and a half years. Hard budgeting, you know, 32 years old. That is okay. That is not the worst. And. then you have a long life of a high. income in a great situation. A great situation. You got to play some. catch up in retirement if you want to. maintain your lifestyle that you have. now by, you know, 59 and a half or 65. Sure. But you need to get a six-month.

emergency fund. The fact that you're a. homeowner without a six-month emergency. fund is scary. So you need to pay off. this debt as soon as you can, which is. going to be about a three and a half. year. I'd get a 1 to two month emergency. fund before that. Maybe two months. because you have a mortgage and a lot of. your stuff sounds commission based. So. maybe a two-month emergency fund. Then. we start tackling the debt. Pay it off. in about four years by funneling your. raises to it. Pay off your smallest debt. to your largest debt. Smallest balance. to largest balance. It gets you to fuel. there. Don't include the 401k. Don't. include the student loans. Don't include. the mortgage.

Then build the fully funed emergency. fund. And I'd do after that I'd do 50%. of your income on needs, 25% on fund, 25% on retirement. So you can catch up. on your retirement. Okay? If that. retirement ever becomes close to where. it's actually caught up, you can convert. that to 20% and then do 30% for fun. If. you want more percentage-wise to go to. fund, you do not take it from your. retirement. You take it from your needs. You cut down your life if you want to. have more fun. But you never cut down. retirement cuz you need to be able to. retire. Who knows what social security. is going to look like by the time you.

retire? Guys, join us in the post show. And don't forget, Hammer Elite, which is. the best YouTube membership in the. history of this platform, is free for. this month right now. All you have to do. is join and then submit your proof of. purchase at hammer elite.com and we'll. reimburse you with a gift card that can. be spent anywhere in most countries. Hammer financial score spending in a. budget. You overspend so 0 out of 10. Debt, at least you don't have. collections, but you're late on. everything. Give you a one out of 10 to. be generous cuz there's no collections. or IRS there. Retirement, emergency. fund, nothing. Zero out of 10.

Retirement plus the HSA. I mean, you're. definitely behind on retirement for sure. with where we want you to be and where. you are. Yeah, I'll give you a solid. three out of 10. Real estate, yeah. No, I mean, the. equity position sucks with the weird. loans you've taken out. You took a 401k. loan for it. It's not great, but at. least you have a house. It's going up in. value. It's at a great interest rate. It's at a payment you can afford. That. helps, but I'm going to negate some. points for the weirdness that you have. Four out of 10. That'll go up once you. pay off those other debts pretty easily. That'll boost your score.

It's going to be a Hammer financial. score of rounds it up just barely to a. two out of 10. Guys, join us for the f. show. Get Hammer Elite for free. I'll. see you guys there. Did you know he pays. for a like STD app? That is the most homophobic thing I've. heard all month. At least you got tested. So, what are you doing? You going to or. are we under stalling? Are we going to. the woods? I don't do any of that nasty. What else is there on there? Shut the up. and elusive members content. Click the.

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