Bipolar Disorder Driving Him Into Poverty | Financial Audit

hi my name is Duncan I'm 26 and I'm. based out of San Antonio Texas and this. is financial audit what do you do for a. living in San Antonio uh I work for Tiff. streets actually I love Tiff Street oh. yeah I was actually gonna break. something. I had yesterday off because I had to. deal with some stuff. I feel so bad you should feel better. I love those sugar cookies that's cool. what do you do I'm a delivery driver and. on the weekends I am. sometimes on the weekends I'm a manager. so the way it works is like the manager.

and assistant manager open and close. respectively on the weekdays and and. drivers who will be on duty managers. pretty much cover on the weekends okay. cool you like it yeah I like it. um not so much anymore because of just. uh cut hours and oh no yeah. um and because of that I'm losing my. insurance in July and what are your. hours cut. um. sales going down year over year and. really you know cookies people trying to. be healthier I don't know. I know it's it's a lot of maybe business.

decisions that you know kind of force. forced us into this position but I. really don't know honestly no tips. future down there I thought they were. Austin only but that's that's. interesting yeah they're in multiple. multitude of different states but um oh. well one of my my manager does try the. best to give me the hours that he can. and um last month was I was really. struggling because my finances were. it was going down a lot because you know. I lost my hours uh what are you at right. now for hours.

um well recently it's kind of had an. uptick because recently with Mother's. Day I had almost 40 hours that week. um this coming schedule one of the other. managers is like hey do you want to be. scheduled to this other day and I'm like. oh yeah and she's like yeah we got 34. and a half hours so I'm like okay that's. good so right now I'm kind of like. grasping I was grasping a straw is like. trying to pick up shifts here and there. but because everyone's hours are cut. it's hard to pick up a shift especially. considering we're in a district with. only six stores where it's here in. Austin it's like. 18 somewhat stores you know yeah what do. you think you're going to be like.

averaging out two hours wise. um so usually I average out about a 32. to 34. the cutoff for the insurance. thing is an average of 30 hours and. because as I said the hours are cut the. average out somehow to be turned 27 and. I talked to my boss about that and I was. like he was confused as well because I. was like okay why am I losing my. insurance because you know. I have mental health needs and you know. I just don't want to lose my insurance. because it puts me in a much tighter. bind and that was pretty much the Kick. In The Head at this point where I'm.

really busting my find another job. because. um it's just been a little bit. discouraging because like. you know it's a lot of no's and and it's. eventually you know going to be a yes. but like every now I get it's just like. it's more and more discouraging yeah. yeah absolutely and I'm sorry it's it's. been very hard you know I just. I'm sure yeah. um. but I'm I actually I actually checked my. indeed on the way here. um I did get a call back from a possible.

um job which hopefully they'll pan out. um I tried applying to a few like Bank. jobs but you know with no previous like. banging experience you're not likely to. get my banking um well specifically. Frost Bank they pay 20 an hour and uh. they have benefits day one including. 401K matching and um I'm gonna preface. with this I have nothing in retirement. right now and yeah I'm at 26 and I know. like I want to get started yeah I want. to get started I don't want to be in a. worse position because. you know.

I want to I don't want to work for the. rest of my life you know sure yeah you. want to be able to enjoy the golden. years yeah exactly what's your hourly. right now um so it kind of it fluctuates. because monthly I typically make two two. to twenty four hundred dollars but again. it's fluctuating on hourly hourly as a. driver I make ten dollars an hour plus I. make. um I make delivery fees on tips so I've. averaged it out I typically as a driver. make about 23 an hour but as a manager.

on the weekends it's 18 an hour but. that's compared to like a driver that's. guaranteed money compared to like you. know as a driver you don't always have. the luck of the draw you don't have the. best tips in the world why would anyone. want to be a like a manager I mean it's. not that hard on the weekends actually. like because but you get less money well. anyone want to have the added. responsibility yeah I mean it's not much. responsibility compared to what my. actual bosses do sure because they you. know handle scheduling so it averages. out to like two thousand one hundred. fifty dollars a month about so yeah okay. how okay well but for me it's it's it's.

because it's guaranteed money I mean. because like on a good day like a full. shift would be like 130 on a good day. but like typically when I'm closing at. my location it's. it's a bit like it can be hit or miss. like on Mondays especially it's terrible. like you're not gonna get much tips and. you're just spending spending ten. dollars an hour in the store doing. basically nothing yeah we'll we'll take. a look at the income situation we'll. have conversations around that but let's. dive into your overall finances uh. I want to know what you'd give yourself.

0 out of ten your own score to be. perfectly honest like a three three like. I'm gonna be quite Frank like it's I. don't know if it's just you know me. being terrible with handling finances or. or anything or just the amount of like. bills I had to pay or Necessities but. I'm gonna say it's a three I mean three. wouldn't be like the worst we've seen a. lot of a lot of the people who come on. here are kind of in like the worst of. the worst situations so that you know. they come on for help and then to. demonstrate to others uh out there in.

the audience yeah so we tend to get lots. of zeros and ones so three I mean that. could be a little bit of a step up let's. see uh but you should also subscribe. I cannot think of a silverware but you. should subscribe because I'm trying to. get to we're trying to get the 500 000. subscribers we're so close oh yeah thank. you to everyone who has love you all all. right so much like I I saw you on Tech. talk before I deleted it and then you. just pop up my YouTube shorts and I'm. like man you went from like 200 000 to. 500 almost 500 yeah. oh that's the best I'm so beyond blessed.

I feel like I've done absolutely nothing. but I don't know yes we're so cool uh so. let's jump in yeah to this overall. financial situation so we got I want to. take a brief moment to thank today's. sponsor Sofi to be completely. transparent this sponsorship spot was. recorded after we filmed today's episode. but it's a perfect fit for what's going. on either of you've gotten there in the. episode or not so far these kind of. student loans are just terrible the. interest rates are insane they're so.

predatory and of course we want to pay. them off as quick as possible but guess. what it makes mathematical sense which. is always what's right in the end to. refinance them if that is an option so. that's why I'm happy to work with. today's sponsor so far with Sofi as a. resource refinancing your student loans. can be a step forward in making your. financial goals a reality imagine being. able to focus on your forward-looking. goals like buying a home or starting a. family instead of being weighed down by. this horrible debt with a lower interest. rate we could be saving thousands of.

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seconds by going to sofi.com forward. slash Caleb you can also use the link in. the description below a lot of different. screenshots a lot of different documents. so let me just try to find a checking. account who do you bank with for. checking USA. yeah yeah. it's a USAA credit card so that was the. charge off from a long time ago that was. the only statement because like spoiler. I saw the word Sally made that. no yeah you have no idea I hope that.

absolute yeah let's rough okay USA hey. check and I had Sally melons by the way. yeah it's terrible like yes I'm gonna be. perfectly honest like the interest rates. are. terrible like they're terrible. especially not with the FED like jacking. up interest rates again yeah they're. variable yeah okay so we started with. 225 2133 came in which by the way is a. thousand dollars more than you say you. bring it on average three thousand. dollars went out ending with 281 so why.

did more come in than average. um typically uh that statement. specifically because I was doing GrubHub. Uber Eats doordash on the side I made. about maybe. I mean that that month I think it was I. mean that one specifically for that. statement I made only like 1900 well. specifically in that statement but in. that statement I made maybe about three. four hundred dollars in like on GrubHub. ubereats doing that on the side and then. for hustling yeah I appreciate that um. it kind of works because I live like. near a uh pretty big like Restaurant.

Center so. um. but it kind of fell off for me because I. mean I got deactivated from GrubHub for. some reason. um they said it was like some section. like oblique section four thing where a. parent like nobody knows what it is. because I look through the terms and. service and everything and section four. doesn't exist and I actually looked up. on Google like what this section 4 is. and apparently people in other markets. are getting deactivated for not high. acceptance rates. um so I'll tell you what's against my. terms and conditions yeah.

you do ubereats to make money yeah you. don't spend 25 on ubereats yeah. especially. when it comes to this overall income. situation and the debts and we want to. get out of Sally May for sure if we're. doing that we're trying to drive who. free to make money why are we spending. 25 on ubereats where's the launcher. behind that it doesn't really make sense. honestly spooky boy sorry oh no you're. good it's. to be quite Frank it's a lapse of. judgment like I'll get stressed I'll. I don't I don't cook myself enough I. will literally just make the worst.

decisions and then after I make the. worst decisions I'm like man I shouldn't. have freaking did that and you know. that's how it is super easy to. order food but there's still enough. barriers between there to like you have. to click and then click and then click. and select payment and then click and. then click then click and then get your. food there's a lot of opportunities to. stop so it's not just a quick. ah food ordered yeah so like. as we're going through that process why. are we still going through it.

I honestly don't know I mean over the. past few weeks I haven't done that at. all like I don't I don't want to do that. like legitimately like I've been trying. like I mean and I know like compared to. or based on what I have in my statements. like I've been trying to lose weight now. because I want to actually focus on. doing better you know. and exercising and but I realized hey. that's not going to help me at all. because Uber Eats and doordash is stupid. expensive like um and like I've been.

doing like my best like trying to go to. the grocery store you know get food for. me as simple as I can like well speaking. of that to keto man we're stopping at. gas stations every like few seconds and. getting like 188 purchases into 80. purchases uh that would be my very bad. going to Bolero and so and soda habit I. would tell you that so you said 188. right yeah that's yeah that's Bolero. that would be you're buying pop yeah why. don't you just go to the grocery store. and get like. for a few dollars more like a no what is.

it like a 16 pack of cans that's what I. do I got my diet coke I got my Vernors I. got my uh something else which I'm. blanking on but I like I like I like my. I like my pop yeah. I used to I used to do that like I used. to make coffee for myself and again it's. just used to yeah what happened again. multi old habits die hard for me well I. mean again there's a lot of friction in. between getting in your car driving to a.

store grabbing a drink that you choose. and then checking out and then driving. back home well typically so like where. like what is driving you to do that we. need to get into some kind of mindset. yeah typically for me I mean I'm doing. it at work like like yeah yeah I'll be. driving around and just like I'm losing. my I'm losing my focus and well honestly. I wouldn't say losing focus is a good. excuse because like quite frankly it's. just. I mean this was that was twice in one. day you know not three times in one day. then also getting donuts that day.

so this was not a healthy day we're also. getting Chick-fil-A that day and burger. boy that day and Chick-fil-A so maybe. it's all just settling it's it's kind of. the way USA is it's kind of weird. because it'll put pending based on. certain vendors for like a long time it. won't be the exact same day oh these. weren't pending but these were recital. but yeah either way you do that a lot. Circle okay 7-Eleven P Terry's Little. Caesars. you're selling money ow so wait no USA. transfer to yourself okay transfer.

transfer so we have some transfers in. Whataburger yeah these are definitely. not healthy choices in terms of just. spending money but certainly not healthy. healthy. in fact. is there anything in here so far that's. not bold I don't see one single purchase. so far that's not just like both. defending yeah Walgreens maybe that's. not but honestly with the price tag and. what your history already is I'm kind of. assuming that's both yeah. a selling out 390 so what what that was. what's that for that's so uh who's the.

name on there I mean well no obviously I. know who's the name on there it's um. it's for the share checking my. girlfriend and I. um share so shared checking why is there. a share checking for. because we pay bills like we I mean we. live together so we pay bills like you. know energy uh internet why don't we. just transfer to each other though. portions of bills instead of having to. share checking account I mean it it's. pretty much our mindset just to make. sure hey we don't have so much money and. accounts that way if we put it into a.

shared account we know actually how much. money we have left compared to you know. transferring it to one person or the. other okay so that may have been the. only bill so far we paid because then we. immediately go back to Circle K Circle K. uh freaking 7-Eleven and donuts again. and donuts and Sizzle or Sizzle and. Whataburger says it was a pan for. PetSmart okay well that's something yeah. that's something so that that could. actually that's the only constructive.

purchase I made and I know car and. GrubHub and Circle K that one could have. actually been guessed 37 unless you just. went crazy oh 37 an hour in or out. none of this is in that I've mentioned. oh yeah but there is some in from those. hustles that you're doing again and I I. as I said that's good but a 421 CarMax. okay we're gonna have to definitely take. a look at that because that immediately. scares me yeah and Tiff's Treats. remember they give you they give you. money you know you.

you know a few times here every single. every single thing you should be getting. since we already saw a car loan it was. an expensive car loan for you by the way. yeah very expensive uh. uh since we already like 25 of your. income we'll afford no. okay and we already know there's Sally. May. everything should be going towards that. stuff shouldn't be going towards that. crap and just going through finally in. HEB and it's a different. for 1.37 so we're getting a pop again.

and HEB I got excited I was like we're. grocery shopping we're gonna cook and we. got pop yeah Sizzle love that place and. there's this again it's supposed this. statement goes on forever and this is. Circle K Circle okay Circle K P Terry's. dude this is endless shell this is crap. and this is pop pop pop pop what do you. do please be all diet beverages like. that oh yeah no I hate I hate regular. stuff well I know a lot of people have. things against that in general for.

reasons that are valid or not I really. don't know I haven't looked into the. science but either way at least they're. not getting calories yeah. money again this is just craft dude this. is continued crap I'm just there's. another page I'm on the what page am I. on I'm like on the billions page so far. and I've mentioned maybe 25 of the. things. Cecil PlayStation this is just crap oh. Costco we had Costco yeah everyone we. had Costco thirty dollars finally he. should be 43 okay cool.

and then Olive Garden 62. we had a date. night instead of just stopping and for. popping. my goodness okay let's just scroll to. the end page. what do we have here oh Cecil we're back. Golden Chick Cecil. dude Hector juice bar Donuts everything. is the same thing over and over again. this is a crap so what's Sizzle because. it says oh it's paying for it. huh it's a paying for service.

no what are you paying in for Dude too. much what what like what kind of. purchases are you doing for the pain for. I mean I. again the very bad decisions I made is. going into Uber and going into I mean. other GrubHub like Amazon to make. like. other other than all that it's pretty. much like Amazon calls and Uber. other services like that yeah. so to deliver food which is already.

overly expensive you're paying in four. yeah and there's probably like a little. extra fee so they make their money on. that right no they don't no the only the. only way they make them running it seems. like is if if you pay with your credit. card and they put in like a convenience. fee which is like a dollar fifty Seven. oh okay so for some reason or if you. don't pay if you don't pay out it's uh. if you ever missed a payment huh you. ever missed the payment no. yeah um but for some reason it's just. all withdrawals from from a bank account. I don't know how they make more money. but well yeah.

please. but please the swipe the swipe I'm about. to do on this iPad. a savings please be more positive no. please be more positive that's. Mr Duncan yeah. what are we doing why are we starting. with 7 and 13 cents and going up going. up almost two thousand dollars that's. that's fantastic and we took it all out. what it's my my paychecks get deposited. into my savings oh yeah why what's even.

the point it's not savings well I had to. I was going through different accounts. because of some. it was just a whole thing where I just. opened a new account and because I did. that I did put in savings and then I. just haven't deposited into my uh my uh. my checking account either way I'm still. super confused because you're putting. money in here and then you're to put a. transfer into your checking but then. checking comes in like six seventy five. five dollars 346 260 uh thousand dollars.

there from checking into here I'm very. confused and then all the money. immediately leaves again what are we. doing what's the purpose of this this. isn't savings what are we doing what is. pause it in there. in there I tried like my best to put. build up savings but I can't do it to. save my life like I can't I'm trying. okay but let me guess you're not. budgeting no I'm not I'm TR like how. long have you been watching I mean about. a couple months but like. and I don't I don't want to make excuses. here I I don't like I've tried I tried.

well it's good to know the reason why. you're not saying it's excusable because. of the reason it's not it's about what's. the reason why what were you gonna say. it's just I get so much anxiety or. numbers and everything. I don't want to cry it's okay it's okay. to cry the. uh the overwhelming nature of financial. situations and everything like that. built up anxiety and these emotions and. it's beyond natural you know that.

position you're in so it's okay so. what's what's the underlying anxiety. around the numbers. I'm just scared. I'm just scared to look at them and how. much is going to affect me and. I'm I'm trying very hard to like. bring up cohesive thoughts right now I'm. sorry okay. it's it's really okay it's just.

okay you're okay. it's been a really. really bad situation I've been in for. the past couple years it's just. whenever I um. whenever I moved out of my. um apartment with my sister. I was living on my own and. I was doing my best to budget and you. know those habits right there they were. the same thing back then like.

and I tried budgeting I tried like. putting in savings but I just I kept. making stupid decisions. and it's just. I think it's just because like over. those couple years I. I just I I got so much anxiety over it. because I mixed I kept making such. stupid decisions because and again it's. not an excuse again it's just I was. struggling so hard with my mental health. you're not excusing yourself it's okay. you're you're giving us valid reasons.

it's okay. what are your mental health struggles I. am diagnosed with bipolar 2 disorder. okay back then I thought I had just. depression I was I was diagnosed with. depression when I was 14 I went to a. psychiatric hospital for a weekend. and. um recently I got medicated to handle my. bipolar disorder income. um. um. people who have bipolar disorder it's.

called anagnosia I think it's where you. don't understand how. you don't understand how you have. bipolar disorder it's pretty common in. patients with Alzheimer's because I. don't know if you've ever been known a. person with Alzheimer's they don't they. legitimately don't understand that they. have Alzheimer's they just think oh I'm. fine and for the longest time I I don't. know if it's true like I don't I mean. there's no scientific backing for it but. I feel like that was causing me to just. make the worst decisions of my life like.

like whenever I came into this job it. was like super happy I was like making. some good money every month and then. when covet hit it was it was so terrible. like we were making sales up the up the. Wazoo every day like we were making 20. 30k sales every day and I was working 50. to 60 hours a week working so much. overtime and also I was working as an a. manager every few days because of whole. like management changes and everything.

and I was getting paid 15 an hour wow. and at the time and it was just such a. detriment on me it's like oh great I'm. making money but when I make so much. money I don't know how to handle it like. that's why I can't kind of fell out. because whenever everything was stable. for me. I was able to budget right and then. whenever I got more and more money I. just kept being so like careless with it. and and I realize now it's just how much. it's affected me over the past few years.

because you know again I whenever I. started taking medication again it was. like taking blinders off a horse I never. knew how much it affected me oh yeah. like like you saw how many charge jobs I. have out there so it's okay. it's so terrible the position I put. myself in because. Calvin whenever I was I mentioned that I. was going to school for film whenever. covet hit I was in the middle of my.

internship and then they told me hey. because of Kofi and liability reasons we. can't be going back in the office and. that was my last credit to graduate. and I just I gave up on it. yeah and that's where just everything. fell apart like I was just I was barely. touching my classes I I just fell apart. on my grades and I just. right here. and I just fell apart with my money. handling because I just kept going. deeper into a hole mentally and. financially that I didn't realize was. affecting me because I kept getting more.

and more depressed and I thought oh. maybe it's just because. I'm working too hard I'm working too. much overtime. but I mean it's it was one factor but. in the back of my mind I just keep. pushing back my mind and I don't realize. how much it affects me. and that's why I want to be better today. because like I said taking the blinders. off the horse I just I don't want to be. in this position anymore like I just. really don't here is the good part one.

you are on medication you're seeking. help two you aren't here because you've. recognized you've had a spending and. financial issue so we are going to look. for the through the full financial. situation so we can see where we are. today we're going to lay out a plan and. help support you and encourage you. everyone's going to encourage you and. get you to a place where you're in a. better place so those underlying. anxieties around the numbers aren't. something and this is something I. haven't really talked about in General. on here but I also I mean I don't have.

bipolar so I can't relate to that but I. have a pretty severe panic disorder and. it's been debilitating in my life and. you know I seek mental health for that I. take medication for that and it creates. lots of phobias in my life which have. been big struggles. um so I definitely get the mental health. aspect of this there's some days I can't. operate essentially and it's terrible so. I really get it I understand it it. doesn't make you any less of a person. what we are going to do is together.

create a plan where you can get to a. place where the numbers are. not only not anxiety-inducing but might. be exciting to look at because you'll. have made progress and then you're going. to be making progress in the right. direction in terms of investing and. building a portfolio yeah you're already. on the right track in terms of your. mental health you've received medication. and help you've reached out to me to. come on the show for help regarding. finances. you're well and Beyond I would say the.

average person if if you need to know. that but not that that even matters the. thing is. you're on the right track so it means a. lot to me it really does I just I really. needed to hear that like I know it's. true I've needed the kick in the head. for a while because like. you know I was never really taught. finances growing up and honestly I think. that's a big like detriment to the. American like education system nobody. gets taught finances ever in school the. state state this is District to District. but yeah but not here in Texas I'll tell.

you that but it was I mean I want to. just get better and just not ignore I. mean not ignore this anymore I mean I. mean I'm not ignoring it now but you. know I'm actually wanting to get better. for my sake for my girlfriend's sake. because I just want to build a future. for myself my future family and that's. all that matters I can sit here all day. and say this is wrong this is wrong this. is wrong here's what we need to do if. you if someone right there does not. recognize that they need a change then. nothing's gonna happen you've already.

recognized that you said that so I don't. have to do what I typically do where I. really dig in and emphasize hey this is. bad why are we doing this it's because a. lot of people just sit there and like. you know it's not great but it's also. not the worst thing ever you know the. situation you're in you're ready to. change so we're just gonna take a look. at the situation we're gonna lay it out. and then we're gonna put together a plan. so let's let's move on to what I assume. the debts right because I don't think. there's another checking or savings. that's correct okay we already saw our. lovely resident.

Sally Mae let's I'm gonna pray I'm gonna. break down the the interest rate for you. right now Wanna Miss three is fourteen. percent uh the other the other two are. ten. and right now I'm paying interest only. because they just saying. yeah I'm like oh they're like hey guess. what you got to pay up now I'm like I. don't have exactly the money to do that. but I guess we'll try to figure out what. I can do and so I made um I made a full. like non-interest only payment last. month and then they're like okay well.

what we can do is do interest only which. is the post graduation program. I had less than you and telling me when. I was done with college I just did. College in a very stupid way I did I did. not understand finances and you know I. wasn't. in the you know the headspace knowledge. financial position that I'm in now at. that point and. yeah I I had to work my butt to pay off. pay it off and we will get that to you. uh we'll get you to that point 14 251 is. where we're sitting.

yeah uh are you making the payments on. this because I see unpaid interest and. fees yeah I'm I made I make I made well. so I made that full payment that was not. interest last month because they called. me and said hey you didn't make a. payment I'm like okay apparently because. the whole thing that I was in I took. Classics last semester and whenever. you're taking classes they defer that um. to a certain date and I was under the. assumption that I was going to defer up. until the end of May which is this. semester even though I'm not taking. classes this semester and they called me.

back in March and say hey you got to pay. up I'm like uh I don't know what to do. right now I don't really exactly have. the money for that and they said to me. okay well we can do interest-only. payments if you make the payment right. now I'm like okay I can do that I'll. scrape together 240 some odd dollars how. much however much it was to pay for it. and just get me out of this well here's. the thing for the I mean there are. companies who help they don't get you. out of this debt situation but what I. actually would do I only talk about what. I would do and I would have used their.

resource if I was another situation if I. was uh still in this situation. um or if I knew about them then. this not good debt. absolutely the interest rate is bad it's. really bad I know Dave Ramsey hates Sofi. hates them yeah. that's his thing I respect him I. actually I like him a lot but if I can. get you to a competitive more. competitive rate say down eight to eight. percent from these variable rates which.

are continuing to go up you're one one's. at like 14 percent. that's gonna save you so much money in. the long run because I don't know where. this is going to sit in your debt. repayment yeah so if we bundle these all. to a lower interest you'll have to you. know go to a website see what works best. for you. um see if it's competitive I've thought. about that can be helpful yeah I've. thought about that before but the. biggest concern is like as you saw like. so many so my credit's bad my credit's. really really bad like that's the. biggest problem I've had can you lean. into the microphone yeah I'm sorry no.

it's okay um yeah but my credit's just. really really bad because like that's. the biggest concern I have it's like if. I'm going to refinance into a different. into a different um student loan. refinance or I'm not even sure if. they're going to be willing to let me do. it well as far as I understand it at. least with them because I have worked. with them because this product is. applicable for your situation yeah is. you can go shop the rates and see what. actually works with you without having a. like hard pull okay if I'm not mistaken. so it's worth a look at the very least. and I'm not one to say go get him more. debt but.

going from 14 to a more competitive rate. always makes sense but don't think that. just because you did and this is where a. lot of people fall victim and this is. why Dave Ramsey doesn't like it don't. think that just because you refinanced. we made progress so we don't have to do. anything we're still going to. aggressively pay it off just as. aggressively but it could save you. hundreds of dollars and hundreds of. dollars matter in this situation. especially with mine yeah CarMax so. we're going right to the car yeah. and what's even worse is that my. insurance just went up it's skyrocketed.

what the is this total amount do. 1137 what is that. yeah it's a lot of late fees over the. past year. um my Jew it is not. like 30 days passed through my credit. but it is again bad financial planning. where I just lose. sight of what I'm gonna do I just pay it. off later and you know I. I just pay I paid at the. end of the 29 day Mark and that's it. just sort of scrape together we don't do. that anymore yeah we get you to a place.

where you're budgeting this because the. normal payment is 421 yeah and 15 cents. and that's what I'm gonna put down in. your budget because we're going to catch. up on this but you know your late. charges of 294 and then having to pay. two normal monthly payments yeah oh it's. real bad it's so bad. at a 10.45 interest rate. yeah no not great what's your credit. score you mentioned bad credit God do. you want Experian or do you want credit. karma credit Karma's fine okay because I.

know Credit Karma isn't always the most. accurate from it's not always but it'll. give me just the idea. products huh 551. yeah that's not great. it's not very not good at all okay we. will get it in a better place yeah. um I um I uh recently. um found a mortgage or mortgage um. a credit repair company that has like a. 4.9 on Google and I've been wanting to. reach out to them to see what what they. can do to help be cautious. well I I don't know what's in them we've.

had someone who had credit repairs on. here yeah and they're like yeah we're. getting it all down to like five percent. interest but after all their fees in. charge they bundled everything down to. like a fifteen percent just like don't. pay your payments we can negotiate it. I'm like oh well that what that does is. yeah well either they're negotiating or. what these companies do is that they're. waiting for it to fall in your. collections and then negotiate the. collections and if you're trying to care. about your credit score in general. that's something we're not even thinking. about because that's going to take. almost a decade yeah so.

I mean I'm gonna not think about that. right now but we'll look at the end of. the conversation because there's still a. lot of documents to go to 16. 584.52 cents what's left so we have a. credit card USAA credit card that's. that's close it's charged off oh I don't. have any credit cards at all. good but it still has a balance correct. yeah I got charged off to a collections. company. oh this is already in collections yes. well all three of my all three of the um. credit cards I I emailed to you about. were our own collections.

okay yeah well we'll capture that. information in a bit then. uh. uh okay it's a screenshot that's a. Sizzle can we just stop using that yeah. we can't pay for something we're not. doing it and you can't afford it now. anyway because we need to get out of. debt no more Sizzle yeah those Sizzle. screenshots are crazy we'll throw them. on screen because this is a wild way to. do things after paper we're doing after. pay two we're not doing after bay. anymore I haven't done that fun facts. but that's good I haven't paid at all. what is this 404 overdue do do you owe.

money on after pay yes I do. I also owe money on PayPal and Corner as. well. [Music]. okay I'm getting a series of really. really bad decisions. I'm trying to not have. a heart attack yeah there's only 63. bucks due yeah and we haven't paid that. you know and again it's the stupid. stupid anxiety of just. not of not knowing what I'm gonna have.

left so. I gotcha. um. so it's a Ticketmaster thing. 91.91 total Ticketmaster in Groupon no. for. which one is this karna yeah. yeah okay. PayPal it's up it's terrible what are we. doing booking.com GameStop. it's about 240 in total I think.

okay. okay. are there any others other than what's. in collections. anything else that's other that's not in. collections yeah anything else um what. is this V. uh 1 324 a firm yeah that was that was. the one I was thinking of it's really.

really bad. what'd you do with this I just stopped. oh Samsung Target this is yeah. yeah okay your credit definitely makes. sense now are you behind on this yeah. I'm I mean it's gone up to collections. this is in collections yeah that's back. that's from like two and a half years. ago. oh buddy this is one of the more. [Music].

that's the current report again Credit. Karma can you pull that up yeah is there. any other outside of collections no no. that's all I'm. derogatory remarks because we're missing. payments I think that's the uh. the obvious I had. so what lbs I had and what was my old an. old credit card I had three credit cards. in total well one of them was a store. card. um and the other two were the USA one.

you saw. and so the USA Carter saw the Visa I had. and the Kohl's card I had unfortunately. I was stupid and God. I got that whenever I worked there and I. don't know yeah. yeah you're up to like at 6 30 there for. a bit you know just three months ago. yeah so you were. [Music]. okay total accounts let's see 28 yeah. quite a bit Yeah Midland Credit. Management Collections and then we have.

a firm collections. fine wise op loans depend on Amazon. balloons. yeah okay well those are two two uh. that's I forgot to mention. um. what was that it's about. it should stay on there yeah that's. 1400. what is it it's a personal one I took. out about a year and a half ago why'd. you take out personal loan uh mostly.

because I was just freaking out about. money in terms of paying rent and. everything again mismanagement of money. and I did you have enough money to pay. for rent. I think I did but like I was just no. that was um. that was uh. that was the money after rent I needed. because I literally had no more money. left and I have to do that what's money. lion ink moneyline oh that's another. personal loan 986 are you paying it no. so the way that loan works is kind of.

weird it was one of those budgeting apps. or well I'm not budging that but as one. of those finance apps where you pay. uh you pay a certain amount you get a. certain amount of the loan and then. after you pay off the loan you get the. rest of it back. and the one the one payment that's not. on there what well it's that. um that money I owe to my grandfather. okay how much was for Grandpa uh I think. about. forty five hundred dollars. why do we borrow four thousand five.

hundred dollars from Grandpa so that was. that was a terrible situation so my. grandfather my first car I bought died. so I need a new car my grandpa cosigned. Alone. um and then a month into the car I got. T-boned by an F350 and I got totaled and. I did not have gap insurance so when my. um when that happened. [Music]. um they were trying to look for a new. house and they wanted to pay it off so. that way you know they get a better. mortgage and I agreed to pay back the.

rest of it and. um based on. what I can afford which is very. minuscule it's like ten dollars and. that's not even enough and I mentioned. that I wanted to pay it off early. because you know it's family and I. wanted I want to make sure that you know. I give them money back that from a. stupid mistake that I made. is there a minimum monthly payment. you're doing with him. um again ten dollars it's not even. remotely enough oh sorry I missed that I. know you're good. we also have hidden student loans. federal loans it looks like I have no.

idea what those payments are like well. there will be about 225 a month I'm. guessing starting up pretty soon so. we're going to include that in your. budget 16 845. what I'm struggling with. this I cannot like there's this in the. collections can't get a uh what I don't. know what your minimum monthly payment. is for well let's see the private let's. see so right now the minimum monthly. payment for interest only is about a. hundred and twenty four dollars well I'm. trying to figure out minimum monthly. payment for some of these other things. we have.

that's in collection so we don't have to. worry about well the private the. personal loans and collections so I. don't know uh there are firms in. collection so yeah PayPal this is that. who after pay after okay. okay yeah let's uh have a little. addition shall we no all right so we. have 57. 000. 57. 303 85 cents of really bad debt there's. nothing beneficial to this that's.

nothing leverage on good rental. properties or yeah real estate or. whatever again since a lot of them don't. have any minimal healthy payments. because they're in collections and stuff. yeah your current minimum monthly. payments is 501 so. um. yeah. sorry much less fun yeah 880.65. also known as 41 percent. of your income is that your take home. that you gave me or is that pre-tax.

that's let's take home yeah okay yeah. but again it varies from you know how. busy it is and how busy it's not the. most have taken home in one month is. about 3 200 but that was a long time ago. is it the least you've taken the least. have taken no but um in my statements I. only took about 1900 1900 home last. month which is last month. yeah and this this month is better. um. recently I mean I got paid a thousand. dollars but hopefully this coming. paycheck will be another.

another thousand dollars but again it's. it's just not it's a thing where it. fluctuates and it's not a job that can. sustain me especially if I want to. tackle all of these I just want. something that's you know I mean it's a. job that I need to find where I need to. have like consistent paychecks rather. than just thinking about the look of the. draw. a minimum four hundred dollars of. Interest accrued minimum I think it's a. little more than that well it's. definitely with the collections like. those aren't those just try to be. gathered for you but some of the other.

personal ones and stuff that we've seen. and of course the federal student loans. are not getting interest ran out but. they will soon so it's going to be. higher than that probably like 600 yeah. with everything combined. fast food 766 dollars no. 766 dollars. that could have gone toward that you. know yep also known as 36 of your income. with the you know fast food really no. no subscription's not much seven dollars. eleven cents well maybe 45 50 at most.

yeah. so. [Music]. not proper budgeting but what we can do. to get you in this better spot is create. a budget okay a simple budget but. aggressive budget because aggressive is. what's necessary to get you to a place. where there are not these Financial. anxieties. I would that Sallie Mae. get that uh consolidated refinance okay. I would it's gonna be the same amount.

but mineral multi-payments might be a. little less and your interest should be. less and hopefully with a much better. company that will actually help me out. yeah all right so crap okay. debt. 880. rent what's your portion. um it used to be 865 but now it's going. down to 665. we are moving into a rental. house with with a friend this Friday. good thank God because that like again.

rent was. killing me I paid way too much well the. crazy thing is that rent's actually not. crazy but it feels like it like San. Antonio for what I'm living in it's it's. crap yeah that's that's the thing yeah. I'm just ready to be out of there and. I'm very excited to be in a house at. least your portion of utilities internet. and all that good stuff. um that's gonna be a hard ballpark since. we're gonna be living into a house. I'm gonna guess maybe about. I'm gonna say maybe 45 so 45 so between.

how many people is this three. so I I don't seems a little low it's. because I mean surprisingly CPS is. actually not the worst in terms of. energy bills I don't know how Austin is. well let's say we'll say 50. that's fine. um 45 so let me see internet would be. 30. uh water I'm gonna guess 20 because I've. never paid water before insurance will. be like 10 bucks. [Music]. um. house. I think that's about it so what is the.

total for you 105. oh okay never mind I. thought that 45 was total no no that's. uh this energy bill but it could be a. lot lower considering we're spinning. against three people like I don't know. how it is in terms of like the house how. it's going to be because like usually. our Energy bill was about 45.50 each. when we live in the only living in the. apartment. it fluctuates rapidly I don't know why. okay phone bill for yourself phone bill. [Applause].

that's about. 85 okay how much you spending for. therapy. right now I'm not in therapy but I'm. paying 20 a month for my psychiatrist to. get my medication including my. medication it's about. 30 34 a month or a week yeah about 34 a. month yeah okay. car insurance oh my God yeah okay so it. used to be 90 but it's skyrocketed to. 224. sounds about death.

and oh geez okay yeah no that's not fun. no it's not oh but I'm just laughing. with you it's just the absurdity of. these numbers it's just you know. um. uh we're trying to look into other. insurance companies but they're not much. better well the thing is I think uh if. your hours continue to go down you might. have to get on the ACA what's that or. ACH. Affordable Health Care Act that would be.

uh yeah yeah because my um one of my. co-workers talking about that because. whenever I've learned that it wasn't. well I was losing my health care I was. very upset at work and they're like oh. yeah I mean Affordable Health Care Act I. paid like 15 a month I'm like what what. because last time I looked at Affordable. Healthcare Act I mean it was so long I. don't know if you'll be that low and. you'll probably want a little better. than she has but probably like a hundred. well last time I looked at it it was. like a few years ago I remember it was. like four five hundred dollars it. depends it really depends on your income. situation so. okay and then gas bill yeah gas I would.

guess it's around. eighty dollars a month you don't drive. much okay no luckily for me when it. comes to work I typically drive a a. company car so I keep like my uh my. guess to a minimum and if like if I'm. ever using if I'm ever forced to use. like my own car it's in downtown so like. everything is like a mile apart from. each other so yeah. let's just walk yeah let's just walk.

honestly people had to do that before. well bad news every single dollar yeah. you're this is in oh wait no we didn't. even do groceries groceries is 300. groceries is 300 yeah. you're not eating out anymore no I'm not. I mean cut it below 300 if you can yeah. and since it's you and your girlfriend. you probably cook together or cook for. each other and stuff you might be able. to do 200 for yourself 200 for her or. however she might want and in fact let's. actually put you at 200. that's what you. contribute to the grocery fund then what.

you contribute to the toilet paper fund. or whatever else is need to keep the. house in order we're gonna do 50 for you. that's about right. because now we're uh we're a hundred. seventy three dollars over what you. bring in on the tight budget so no. wonder we were taking out personal loans. no wonder we're going into questions. we're not paying on these debts no. wonder because we're just not making. enough so. what are you interested in career-wise. what do you like what did you graduate. in or what did you study sorry I studied. film um right I wanted excuse me.

um I wanted to be um an editor for like. a production company excuse me. um or freelance I wanted to go back to. school but right now I can't um not with. these. um but I want to do like a business. degree and see where I can put my feet. down on you know business okay if we're. talking business you've heard me say it. a million times. just check out my boys who I work with a. core screws in the description check. them out because what you can land is.

like a tech sales job and other a few. tech jobs they have the specialize in so. that you can get certified relatively. quickly and then go get a higher paying. job because we can get you in a 40 50 60. 000 a year there was someone on the show. a couple months ago who got a. certification through them in Tech sales. they're they're. um they got a job and uh grinding. through commission they were starting to. bring in like 60 70 000 a year. good but that's a little more than you. make. trying to I was trying to look for sales. jobs at first and a lot of them is like.

hey guess what it's door-to-door sales. like the interview would be like okay. that's cool let's go it's door-to-door. sales no base salary no only commission. I'm like that's something I can't do no. baby yeah base is good unless you. already have like vast experience and. you can just get out there and grind uh. 25 800 is what you bring in here though. now. so we're gonna need that to change so. Certification depending down you can. check out my people or you can check out. anyone I don't care I think we look at. certifications instead of college. um.

when you just. you just drive Uber Eats like crazy um. and doordash and anything like that and. not give them any more money yeah and. that way you cash flow certification. um because this is unsustainable right. now what we can do is anytime that. you're planning on working plus an extra. 20 hours a week minimum. that is not happening driving at Tiff. streets. you are driving for Uber is driving for. blah blah blah blah yeah another thing. that might be worth considering.

I mean I was bringing in more money. working just as many hours at Jimmy. John's delivery driving yeah I just look. at other other driving Services you. would have to get you'd have to pass a. certification I'm not overly. knowledgeable on this but using the. Driving Experience you have maybe doing. short route Trucking yeah that's what I. was thinking too my um my best friend. said actually does that he he's he has a. CDL and uh he just does like I mean well. I mean CDL obviously not going to get.

that because it's I mean I the anxiety. would be too much for me but okay my. friend also got a got a job into working. for I think Pepsi so he does like. stalking. um sure gas stations. but um yeah I'm gonna the biggest. reservation I have when it comes to. driving is um when I first started the. job during covid. the Corolla being totaled that was on. the clock. when I was a job I got a second car or I. got another car after that got totaled.

again on the job and that's the biggest. reservation I have I've had this car for. almost three years and you know. I want to keep it that way I want to. keep it for more because it's going to. be it's gonna I'm Gonna Keep it for as. long as I can it's a Camry I mean. honestly if you're willing to grind. you're willing to grind. we could get you working 40 hours a week. yeah stocking things at Walmart yeah. because they're trying to still hire. people yes Tech has fallen back. construction has fallen back but. service-based Industries are still like. please come work for us on every place.

you walk into yeah we can get you a job. might not be the dream job but if we can. get your job two jobs if we can get you. working 60 hours a week because what. makes most. the biggest priority is starting to to. get it caught up on our payments making. sure we can pay for things and then. let's get you into a better position. that you like through a certification or. just do a job. um. you need to find your own career path. but right now we just need to work I. can't necessarily lay out a full game. plan here because your income situation. is right now we're in the hole.

like 170 whatever. so. it's. this is income yeah you need to go make. more money now not spend any money. eating out everything that we laid out. you really can't cut down much the only. thing you can cut down is like total. paper spending and groceries yeah that's. pretty much it but when you get money. this you should definitely refinance. that sadly made to something better just. to minimize minimum monthly debt. payments and interest.

we're paying off that after pay 63. immediately immediately you drive one. ubereats and you pay that off and you. pay off the clarn as well the 91 dollars. and the PayPal unless those are gone. they're killed then PayPal has gone. after that then you pay off that 921. thing in collections then the 986. dollars personal loan. yeah I mean you're gonna follow the. classic uh snowball and it definitely. makes most sense for you because you.

just have so many accounts and most of. them are relatively small except for a. couple High ones yeah then you go you. kill the affirmative. 1224 and then the collection's a. thousand 498 these collections are not. old enough to just allow you want to. live so much more life in the next seven. years. like maybe you guys could even get a. house yeah towards the end of that. that's not gonna happen if we're just. allowing credit to fall off so we're not. going to be doing that yeah and we're. not going to work with negotiating. companies then I would okay is your.

grandpa chill with how's what's the. relationship like with this situation um. he has Alzheimer's. um yeah he is. um. I'm not sure how I mean I'm gonna just. say it to you I mean I'm kind of wanting. to keep this private right now so the. power of attorney for the grandpa who. you owe um. who is are are they chill if you have a. good conversation saying hey I'm paying. off these debts I will get to that but. I'm going crazy yeah because like. whenever we talked about in the first.

place. um like she said I know you're in a. really really really bad situation right. now and it's like I mean even as low as. 10 months I'm willing to let you do that. and. um but she said recently it's like he's. getting old he doesn't we don't know how. long he has hot so. um I mean she wanted. she's more lenient I mean if I explain. it to her I'm sure she'll be. understanding I mean especially after. that last conversation but she's she's. understanding my situation because she. knows it's bad okay in that case then we. hold off on that 4 500 we pay off the.

refinanced private student loans as fast. as possible then we pay off that car at. 10 as fast as possible I don't know how. long any of this is gonna take because. again right now we're in the hole Yeah. so this just you just need to make more. money you just need to make much much. much much more money uh just either by. grinding 70 hours a week never seen. anyone at home never be in a home. sleeping like six hours a day be healthy. about it but yeah and take care of. mental health about it but we're. grinding every single second we can yeah.

we're packing lunches we're going crazy. any fun we have is paid for by someone. else or it's free yeah then after that I. would pay the grandpa off and then. depending what the interest rates look. like for the federal student loans if. they're five percent or less minimum. monthly payment until they're paid off. if they're like six percent or above we. aggressively pay them off too and then. you get a six month emergency fund what. I would do because your minimum monthly. payments in order to survivors 3 323 I. would save that up as quick as possible. set that aside to lower the anxieties. around this whole thing if something. were to happen you can cover all that. for a month while you go aggressively. look for something else.

so. if you do you think bringing an extra. how how much driving for these other. companies do you do right now on average. right now I don't do it because we're. just trying to right now I haven't been. doing it as much because we've been just. trying to pack everything and move okay. knowing it in your area if you did an. extra 30 hours a week driving ubereats. and all these other things how much do. you think you could bring in reasonably. 30 hours and usually an average about 2. 25 26 so maybe about.

I would say four or five hundred Maybe. 500. a week a week okay yeah 500 a week. we're gonna take a hundred off for gas. and maintenance 150 off for gas Mains is. that reasonable yeah it's reasonable. okay so what does that bring us to about. I would say 350 400 350 we'll call it. 350 be conservative times 52 divided by. 12 gives us an extra 1516 a month okay. so that brings us a little extra money. but if we do the 57.

303.85 cents. plus the three thousand three hundred. twenty three dollars of the emergency. fund you need to save the initial. emergency fund that you need to save up. and then because of your minimum monthly. expenses being relatively expensive plus. the additional let's call it. twelve thousand dollars for a fully. funded emergency fund after that. divide that seventy two thousand six. hundred twenty six dollars by one.

thousand five hundred sixteen all your. extra money that takes 48 months to pay. off which is four years. but in reality even if that's the best. you can do which I think we can do. better than that by getting a higher. paid job yeah that means that you have. an initial Merchants fund you pay off. all the debts which are crazy debts and. you have a fully funded emergency fund. by the time you hit 30 that's actually. not that bad yeah that's actually not. that bad the difficult part is you're. going crazy in a good way you know to.

pay all this off and just go wild and. intense. for four years yeah it's hard to keep up. every single day for four years or like. reasonably it is yeah so. what we could do is we say Okay a. minimum thousand five hundred is going. to hit these goals okay we have our. 3323 that's going towards. these uh keeping us alive these minimum. expenses yeah you need to Keep Us Alive.

anything above that that you want to. bring in let's say you go bring in an. extra couple hundred bucks a month if. this is what keeps you to the plan. as long as we are hitting those minimum. numbers that we talked about that extra. couple hundred bucks a month that you. bring in doing a couple extra shifts on. new breeds you can go spend that on 80. now or on a little trip if we save up. them for a few months but if that's what. keeps us engaged throughout the process. I'm cool with that yeah of course I. would rather that extra money go towards. paying it off because you could change.

this from four years to three years or. something that's better but if you're. more likely to fall off doing that than. you would be by extending it to four. years instead of three because you go. out to eat like once a week or something. like that even something cheap or have a. picnic or whatever yeah I would rather. that because I want I would rather you. be in a higher chance of being in a. better place a perfect place almost by. 30. then just not at all yeah.

what do you think about that that's. something honestly that sounds pretty. good like because I do I do want to just. get this down because you know investing. my future especially like I mean I don't. wanna. go home with no retirement as you said. as you always say it's just like the 20s. are the best time for compounding they. are but you'll have your second best. yeah exactly. um so I don't I mean I've also wanted to. do like I've heard about Roth IRAs I. don't know how good those are but like I. don't like I'm just in the retirement. game I'm not very knowledgeable like.

we'll want you to take advantage of that. right now your interest rates you're not. gonna beat yeah these interest rates. with being in the marketplace averaging. out eight percent or averaging the sap. at like 10 point whatever with dividends. reinvested so we're not really thinking. about that right now we want you to. start going crazy maxing those out. maxing out 401ks all the stuff once you. get into 30s because you'll play you'll. be paying ketchup playing ketchup a. little but that's okay the fact is. being here's the crazy thing if you go. wild and even do that little compromise.

we talked about and you're fully out of. bad debts by four or by 30. you're. actually well above the average 30 year. old and that's the sad part that's the. sad part for the United States because. you have a fully funded emergency fund. at that point. that's like unspeakable for so many. people who are 30. yeah and then there. you're saving up for potential you know. 30 you're getting a mortgage of 35. while saving for retirement and if you. start maxing out Roth IRA maxing out. 401K as best you can starting your 30s.

you're going to be able to retire okay. you're going to there is there's. actually as devastating as this. conversation was yeah because it was. the hopeful side of this is actually. quite Pleasant that just depends what. you do for your income do we go get a. better job do we just go work our butt. off working a billion hours a week what. do we do yeah that's all dependent on. you and what you choose yeah. and that's understandable.

um one of the big things I mean one of. the big things I've kind of questioned. when it comes to certain people on here. is why they come on here asking for help. and then just be like the most. hard heading it's like well I'm wrong. I'm I'm right you're wrong or whatever. but I mean I feel like it's the most. important thing to just. be okay with your situation like. understand it's not it doesn't make you. any less of a person than anything else. you know. I think uh because I hold conversations. with them well after follow-up with.

email or attention or whatever I think a. lot of people are just naturally. defensive in person when seeing their. situation laid out for the first time. yeah people do tend to come to accept it. whether or not they go as wild as I. suggest yeah. that's up to them but this is knowing. how bad the debt is because I've been in. similar positions in the past in my. early 20s. this is the plan I would personally. follow because I know how bad it is or. else I wouldn't recommend it yeah I'd. never recommend something I wouldn't do. so it's up to you yeah drive that income. pay these off okay that's the plan it.

was laid on it on screen and I'm rooting. for you everyone in the comment section. is rooting for you I appreciate any. final thoughts. um well one of the biggest things is. that. um I think the most important thing to. understand is like. um. I I kind of want to platform mental. health at this point because I I. mentioned to you that you know mental. health was like the biggest reason why. I'm in this place in the first place is. that. anybody else who's in my situation. because of their mental health I just.

understand that because you're mentally. ill doesn't make you any less of a. person and that you can get out of out. of your situation if you just seek help. and get your finances together and make. sure that you keep yourself surviving. for the rest of your life or just keep. yourself alive that's the most important. thing. well said. for Duncan he gave himself a 3 out of 10. for his score I think it's gonna be. lower than that we'll break down his. score in a moment but thank you again. for coming on and starting awareness for. mental health and sharing her situation. for everyone hopefully it's helping. people out there and give some him give.

him some encouragement in the comments. below first Hammer Financial score. spending zero out of ten way over budget. I mean it's not even close debt zero ten. can't get much worse retirement there's. nothing zero out of ten emergency fund. nothing zero ten real estate there's. nothing zero out of ten so his hammer. Financial score is unfortunately 0 out. of ten but he has a path there is hope. and I really believe in him sitting here. across the table so I have path if you. want a free five dollars use the link in. the description below to sign up for. acorns you put in five dollars you get a.

free five dollars I get a free five. dollars everyone wins it's awesome and. don't forget to follow my Instagram and. Twitter thanks.