Borrowing $70,000 To Buy Fast Food | Financial Audit

Hi, my name is Carl. I am 27 and I am. based out of Dallas, Texas and this is. financial audit. 27 years old, Dallas, Texas. What do you do for a living? I am. a junior construction estimator. Okay. So, by junior is there's three other. guys at the company and they've kind of. taken me under the wing to kind of show. me the ropes everything. Mhm. Um so, I. started that back in November. So, pretty much a junior position because. entry-level? Yeah, because they have a.

lot more plumbing experience and other. construction experience on top of what I. know. So, they kind of just wanted to. make sure that I knew it was like. Estimators like estimating the price? Yeah, so the process is is a commercial. construction company and they specialize. in just the plumbing side of the. construction business. So, if you need a. new building, they're going to send our. company blueprints and. and we basically take the blueprints and.

we. look at all the plumbing involved in it. We get prices, we get prices from people. that make all the products and all the I. guess fixtures and everything that goes. along with it. And we estimate how much. this is going to cost them to have our. company do it. Got you. Yeah. What do you make right. now? Right now, I make 677 a week. That is. after taxes, after uh taxes, medical. everything. Contributions to retirement? Not yet. They have a certain amount of.

time and they have certain dates like. every 6 months where that becomes open. So, not yet and they don't do much of a. match. I think it's maybe only like a 1%. but I will make sure to. utilize that when it does come up but I. can't utilize it yet. Okay, that just. comes out to an average Are you paid. weekly? Yes. That comes out to an average of 2,934. post-tax Yeah. and health care and all that stuff for a. month, health insurance, yeah. So. I do have a like a Aflac. some of that too. Like it's a little bit.

of like Aflac stuff. So, it's like if I. get cancer, break a bone or anything. like that. It's mostly for guys that. work in construction, they'll have those. things that happen but also if I get. hurt or if I need to use the emergency. room, anything. There's a there's a list. of things that Aflac kind of covers but. I also have some of that. So. And that's 35 35,000 bucks a year. That's uh in a major city that's that. can be a little difficult. It it yeah, so I'll kind of. I want to. Also, you took out a student loan, a lot.

of student loans just to get that. Yeah, so. I have to kind of back up a little bit. I have to kind of give some basis to. what ended me up where I'm at now. Um. so, I was a graphic designer for 3. years. Um I went to college for it. I. was I loved it, it was my passion. I. learned everything at school. Um came. out of college, I worked for 3 years as. a graphic designer. And even that job. with the 4-year degree and everything.

was not paying very well. I think. How much? What were you getting? 42. salary and I was doing like 3D graphics, logos. I mean like all sorts of stuff. and I felt like I was really good at it. and what my boss at that time told me. was I wanted to move up and they were. basically like we just need somebody to. get this job done. Sounds like a company did you try to. move to a different company? A lot of. the other companies kind of had the same. kind of things they would have needed. and my area that I was doing graphic. design it is so niche to be a.

combination of graphic design and. Yeah. um and 3D, so niche. Um so. that area is so niche that I didn't. expect to find anything that would be. similar or above. I could have found. something that was one way or the other, either more graphic design or only 3D. route? So, I felt like uh after 3 years. working in an office, I kind of got this. need to do things with my hands. I would. like try and work on my car when I. didn't need to, clean things, whatever.

I don't know. Physical activities just. made my brain happy. I wanted to try. something different. So, I was like. Mhm. Nah, I'm good. So, then I became a. plumber. Okay, sure. Then I did plumbing. Yeah, so I did that for I started at a. company. I did that it was a commercial. company, it's the company I work for now. actually. Did that for a year and a. half. I learned how to do everything, moved over to the residential side so. houses and um that kind of plumbing. I. did that for another year and a half. Um.

I kind of worked my way up the pay. grade. Actually about after a year of. doing that plumbing, I was already. making what I was making as a graphic. designer. So, the new job is a. combination of graphic design and the. plumbing. So, it's learning the software. that the company doesn't utilize yet. It's learning that software and knowing. the plumbing side to do it properly. Brilliant. Yeah. Good. Well, I'm glad. Um so, you did come here with someone.

else. She's not on our camera but I want. to understand the relationship just as. we're talking about the income. Mhm. Friend, girlfriend, not wife. Girlfriend, yeah. Okay, not wife. Okay, so it's a uh 2,934. and that's it for you. Yeah. Yeah. On a. monthly basis. Okay, I want to know how. you would describe your financial. situation from your perspective as. honestly as you can and give yourself a. score zero out of 10. Okay, if 10 10 being just like. the best, you're totally fine, emergency.

fund, everything and then zero just. you're completely underwater. I would. give myself probably a three. Um because. I feel like I'm kind of underwater and. I'm barely barely above making it happen. but I'm also I feel like I'm kind of on. the way to figuring it out and it's. going to be a time thing for me to kind. of figure it out and get get it better. into a place that I need to and I'm. looking at. off of. your debts? I do, yeah. And one of. them's pretty extreme but.

Yeah. All right, we need to talk about. something important real quick and. that's you spending way too much money. on your cell phone mobile carrier. I'm. partnering with Mint Mobile for a very. specific reason. 15 minutes spending as. little as $15 a month on your cell phone. coverage, what is not to love? This is a. financial YouTube channel about putting. your money in the best places, why be. putting all your money towards your cell. phone bill? Imagine what you could do. with as little as $15 a month. Pay off. debt, save for a vacation, save for a.

home, save for retirement or pay off. really bad debts. Come on. So, make sure. you go to mintmobile.com/hammer. It doesn't get better than that. Check. them out. Thank you. Now, we'll get into. all that. Let's start with checking. account first. Okay. First of all, these. checking accounts, I'm confused. You're. all over the place, dude. It doesn't. make sense to me. What are we doing? We're immediately starting with a dollar. and 69 cents. Yeah. We end with 33 like woo, improvement but. Yeah. So, the way that I have set up my.

accounts is very similar to how people. utilize the envelope system. Okay. So, I don't like cash. I am very similar. to you that I've heard where you if you. see the numbers going down on your app, it makes you anxious or whatever. Like. that's very similar to. But cash is nothing. I can burn it, I. feel nothing. Exactly and it just annoyed me to have. to go to an ATM, go to a bank or. whatever and so this is my solution to. that. So, I have one checking account.

that pays all of my bills. I figured out. how much all my bills and my debts and. everything that I need to pay, that. automatically gets sent from my work. that amount. And that's so that's 600. and you'll see the amounts. That 600 is. all my bills, all my debts, everything. that needs to be paid and make progress. goes to both and then one goes to. One uh. my paycheck gets split twice. 600 is the. uh 600 is just the bills and then the.

whatever's left over in the check, usually about $77 or so, $58, that gets. sent to my main checking account that I. only have one debit card for. I have no. other credit cards, no other debit cards. that I can access money. That one debit. card is it for me. So, whatever is in. that account to me is my budget for food. and entertainment for the week. All. right, I don't like the way you're doing. it because I get the envelope system. The envelope system's fine, it works but. you're paying 15 bucks in service fees a. month. Right, the $5 for each account.

it's stupid. What I would rather have. you do is have a primary checking. account and then have like Ally savings. buckets and then just put those into. those buckets. Even though there's not. going to be much left over in those. specific buckets, you know it's being. pulled from there and you're not getting. absolutely slapped around with stupid. service fees. Ally savings buckets. Yeah, so in within Ally savings. accounts, you can have different. buckets. So, put it in here and have it. withdraw from those buckets under the. different things that you're doing. Yeah, I would definitely have to look. into that. I have no.

Please do because we're losing 15 bucks. when we're trying to get out of debt, that's essentially like interest is. being accrued Yeah, the. the third account was. So, I have three checking account with. Bank Bank of America. to it. What is this account for? Which. one? Let me see. This one is this one. So, that is my that is my bill, I. believe. Your bills, so ongoing bills? Yes. Okay, so again. why it's so close because when it begins. that's when all my bills have yeah, right. So, again, we did that. Now, what came.

in here a lot were from. Zelle transfers from I think the person. sitting over there. Yeah, yeah. Why? So, when we like go out or if we if we go to. the grocery store or something, one of. us might pay for the groceries and then. we'll just just to go through one line. instead or if we go out and like it's. $35 or something and if we go to like. Texas Roadhouse or something, it's like.

one of us will pay and then just oh. Zelle me you know, 15 bucks or whatever. or whatever. But of course it was $350. and $250. Yeah, so that's her half of. the rent. Plus more. Yeah, that's just. based on how she gets paid. Um so, yeah. So this is the bills accounts, but Yeah, so there should be no fast food, no. nothing out of there. Yeah, so this next one. must be the crap account. Yeah. Which. appear to have lost the first page.

for some reason. I don't know how I did that. But either way, it doesn't really matter. because this is the crap account and. this one was relatively close as well. Mhm. It was relatively close, but. Yeah. It was relatively close, but from. here we're doing like corner stores and. we have an. Adobe photography plan which makes sense. now that what you talked about. Then we. have Crunchyroll membership and. McDonald's and McDonald's and an Apple. subscription and a YouTube subscription. and a Microsoft subscription and a.

McDonald's and Google storage and. Wingstop and IHOP and Total Wine and. more and Raising Cane's and Raising. Cane's Funimation Productions McDonald's. Hi-Dive. That's like that's like Crunchyroll. Oh got you. So great, more Crunchyroll. YouTube TV and McDonald's. uh Singles Beverage and The Home Depot. I mean that could be something for your. place, but. then we have Team Games and we're PayPal. and out money and Team Games and Team. Games and of course a $5 monthly.

maintenance fee. So. we have two high balances on credit. cards which we haven't even gotten into. yet and we have a ridiculous private. student loan. Why are you possibly Why is this even. possibly happening? Uh just I don't know. I mean just. combination of just wanting to I mean. when it's at the when you're there you. kind of give it to yourself and you're. just like. you there? Uh.

You don't go there if you self-diagnose. if I'm there I automatically pay for it. even if. We'll we'll come back to the spending. We'll come back to the spending. Yeah, there's man there is no. there is no easy way to say oh I go out. because of this that and the other. reason. I mean it's just when you get. there and you're hungry, you come up. with all sorts of reasons why. do you get there in the first place? I don't have maybe it's not enough food. Maybe I am Oh come on. at home. Yeah,

because I start out the week, I go to. get groceries, right? With my whatever. it be $77. If you look on there most of. the time I don't pay $77 or whatever it. is. Um I don't usually use all of that. I usually use all of that and then No, but why isn't that slightly higher then. instead of going out to fast food? Yeah, yeah. It's tough. This is a this is um I. know you get you get this a lot on the. show where it's just like oh yeah, that. was last month and now now it's fine.

It's tough. It's that was my last. statement and then I was sort of trying. to bring it back because the main. problem was okay, so. I just got this apartment back in. January. like late Yeah, it was like late. January. Just got this apartment. And. before that I was living with my mom who. lives in it's like I guess it's like 45. minutes away from my work. So I live.

with her. Um before that I went through a divorce. So I had to we had to split things off. I couldn't we couldn't either afford the. apartment by ourselves. So I went to my. mom's house live with her for a while. It was very far away from my work um 45. minutes both ways. Where is this going? What? Um so in. order to I basically I got the new. apartment and it was as cheap as I could. find. um and it was now close to my work. And.

so that's I left my mom's house because. I just didn't want to be there anymore. What does this have to do with your fast. food spending? N- not with the fast food spending just. mostly just because my money's so tight. My money's so tight. Well, if money's so. tight, why is everything on here. highlighted green? Uh poor judgment. There you go. Thanks. Okay. Yeah. Yeah. Well. and then we have the service fee which.

not a good way to do this. First I. wouldn't even I would get a better bank. Yeah. Well, my bank's been great to me. Yeah, they're great at charging you 15 bucks. to exist. Yeah, I so one Now, what are. we talking What what what what's what's. the purpose of this other account, the. third account? The third account was. because every month I needed to save a. certain amount for medical. medical. um for car maintenance, gas and I needed. to make sure that I had a set amount put. into that account. That ends up from my.

budget that's ends up of being about $65. per check. I need to take $65 every time. I get paid and I need to put that I need. to basically hold on to that and say. this is my miscellaneous home goods, medical. all that stuff. I need to put that away. and not touch it. I'm good with you. trying the envelope system. I think. you're just doing it in kind of a weird. risky way and I say that because okay, yes you got to a low balance in that. first checking account and if you knew.

exactly how much it was going to get to. you knew exactly how much to put in and. okay, that'd have been fine. But guess. what? We started with negative $4.25 on here. 20 negative $4.27. So is this really working? Uh I'm not sure when that start I think. that started last in like. 23rd to March 27th. For which one? Is. this the The the account you just talked. about the the the final checking. account. This one so this one I believe.

Yeah, they're all named something. different. So I use I use Mint for all. my stuff and I named everything so it's. easier for me to follow. that within one checking account then? Why do we need the different accounts? Um because when I. oh we're overdrafting. Yeah, when I look. at it on the app and I see I know I. can't touch the amount in one account. and if I go okay, one account is But can. we say if it's can we say it's working. if we're negative in our checking. account? N-. I'm never getting overdrafts or. anything. If it's negative, it's.

negative for less than 24 hours and I. figure it out. That means I have to move. stuff around or I've used up that budget. for that week. So to me for it to be. successful, if I put $65 in there and I. spent that $65 on medical, on my gas and. on miscellaneous home goods, that means. that at the end of the end of that week. it's going to be zero and I'm going to. be like okay, I used it on the proper. stuff and I didn't just take out of this. account. use it on the proper stuff though cuz it. again went negative. That's. It looks like you had to transfer an.

emergency five bucks in there to get. that reversed. Yes, probably in that in. that scenario I most likely did, yeah. Okay, well it's the only one I have. Yeah, most likely I used up everything. in that account and then I don't know. where the $5 would have came out from. probably just from the service fee or. something. well there was yes the service fee which. makes which is gross to have. Then you. wrote a $66 payment for something and. then it was 25. 66 that's that is me transferring over. from when I get paid. That is my $66 is.

for And the 25? The 25? Um if I if I. took out money from it. Yes. before I was supposed to or if I. used it on something I wasn't supposed. to and then I'll pay it back and I'll. say I wasn't supposed to use that 25. Right, if I took out $25 that means. it back. That means I used it on gas, on this, on. that cuz I don't have that card. I make. sure I don't have that card. So I can't. start swiping at any store. So again is the envelope system working.

if you have to pull from one envelope. because you have to get gas? N- So the. envelope is working to me because I have. to transfer in order to use the money. inside that envelope. Okay. Right, so if. I get gas and it cost me $25, I have one. debit card swipe. But the purpose is. each category has an envelope and if you. don't have any money left in that. category, you don't spend it. Right, so. I guess technically with that system I. would need five checking accounts in. order for it to be a gas account, a. miscellaneous account, that kind of.

thing. is why I think the envelope system. within this service fee disaster. isn't Okay, if it's if we are making. progress because of it, okay. Yeah. But in general we're seeing like some. red flags. That's why I think maybe. let's look at Ally cuz you can make like. infinite. buckets and that might be great for you. That sounds great. I have no I've I've. used bank that bank since I was in high. school. So I've never looked at. anything, never used anything else. So. yeah, Time to get on those internets. Yeah,

okay. For sure, I will definitely look. into that. Oh and then the. uh. So yeah, I did get a little. out of order cuz. I think the most useful one is one I. sent you from Mint. Because on Mint I go. in there and I change the name of each. purchase. Yes. Um I changed the name of each purchase. because I wanted it to be as one, it's. easier for me to follow, but I thought. when you were looking at it that you can.

tell what's what. The only problem is. these bank statements are from last. month and I started using Mint like this. month. Okay. So some of them might. correlate. Well, I usually prefer. statements cuz I can get into the. nitty-gritty of it. Yeah. But I wish I. was using Mint when I. when I was using this, but I started. using Mint halfway through that month. So some of it would probably correlate. and some of them wouldn't. But, yeah, the Mint I sent you is probably going to. be the most accurate for how I'm. spending currently. Got you. Now, that's a very temporary.

thing though. So, I can I only I I like. to go off of history more than a. temporary change. Yeah. Because temporary change doesn't. necessarily mean anything. Yeah. Makes. sense. If we have changes that have been. lasting for a quarter, okay, we can go. off of that. Yeah. Temporary. A lot of people that we have find when. they're coming on from the audience. they're like, "All right, I'm going to. change something for a quick week or. two." Yeah. Yeah. Before I come on. Yeah. And that's. Yeah. We'll see if that actually works. But, we have two really bad credit. cards.

Yes. we have an absolutely disgusting student. loan. So, these are clearly balance. transfers, yeah? Cuz you have no. interest. Yes. Okay. So, they are balance transfers. One, the. origin of it is from my ex-wife. We She. put a bunch of stuff on her cards and. and uh and loans um and stuff like that. So, like we did a trip, we did um I. think she got some like Well, either. way, she had a credit card balance. Yeah. Yeah. So, it was like stuff that I. owed her and we basically just evenly. went down it and said, "Okay, I'd pay.

for half of that. I'd pay for this. half." And it ended up being about. $5,500 that I would owe her. She said. she was fine with me paying over months. and I'm just like I just want to get. done and over with it and then we can. just call it even stevens. So, I took. out a card. balance transferred over to her. We're. even steven. It's done. Blah blah blah. And it's 0% so I'm like that's the best. way for me to control that. Got you. Um well, Steven must be very. happy because. $6,308.09.

at least on this card. I don't know if. that was that card, but either way, $127. minimum monthly payment. When does this. payment thing. transfer end? end. Yes. I think it I remember seeing. it on one of those. I think it's on. there. know? Yeah, I mean. would I would know cuz that's scary. If. that balance starts accruing interest. Yeah. Woo! Oh, yeah, I know. I would. just I think in my head I was always. like if I ever got to that point it. wasn't paid off, I would just balance. transfer again. But, in my mind I always.

the road. I always like the idea of. being able to pay it off before that. happens. Yes. I would also enjoy that idea. That is the plan. Right now. So, you don't know when it is? I don't. know how long, no. It's It should be. them at the same time, both? No. Okay. Uh I believe they're might be like a. month apart or so. Okay, so they'll be similar period. Yeah. The city the. one ends in December. Yeah. So, that one. does say it on there. That one That one. was a godsend, okay? The city one.

because I owed. $700 or so on a Best Buy credit card. that I thought at the time was a good. purchase. Was not a good purchase. Very. not good. I won't go into detail what I. purchased. It was not good for me. I. didn't need it. But, that credit card. had a 27% interest and I did not like. that. So, I balance transferred over. into this new card and so now I'm paying. 0% interest on that and I have avoided. the Best Buy credit card of 20% 27%.

interest. I can offer you 0% interest on something. and that's by if you hit the subscribe. button, we won't be charging interest on. that. But, you should do it cuz we're. trying to get to 500,000 subscribers and. thank you to everyone who has subscribed. so far. Like y'all. Thank you. Okay, so on the city, $35 minimum. monthly payment. Yep. $2,341. And 9 cents. Yep. And I'm making. overpayments on both of the cards. Yeah, you went from 35 minimum to 50. Yeah, because they they like to go up. and down and I'm just like, "You know.

what? I just have a. solid payment of $50 on the one instead. of the 35 and then I have a 150 on the. Discover. That one I know is going to. come out. the minimum. So, we're paying barely. over. So, these are not even going to be. close to done by the time at that rate. at the time the interest If the If the. way that I am doing my debts the debt. snowball, if that works out the way that. I do. the classic snowball method, smallest to. largest? Yeah. No, you're not. What do you mean? No, you're putting more to the Discover.

when the smallest one's the city. So, everything in the world should be going. to the city. And that's just minimum. monthly payment on Discover. Currently, I have some smaller even smaller than. that stuff that I am I thought I didn't. have that Oh, no. I have two other things. Well, what do you have? that I'm currently paying and that is. collections for like 400 bucks. Um that. was for a company that like I It was. like a dating site that I thought was a. scam and I put unfortunately I signed up.

for their crap. it? What eHarmony. And so, eHarmony when. you sign up for them, I'm like, "Okay, you know, if I if I use this site like. I'm going to find people." Yeah, within. like 100 miles like 25 people showed up. and I'm just like, "Okay, this is useless." So, I tried to. get my money back as soon as possible. like less than an hour after I signed up. and they were like, "Nah, we're not. going to give you your money back." But, I paid through PayPal so I got my money. back and then they're like, "Yeah, we're. going to charge you all of it now." So, This is that's why I I use Hinge extra.

super premium plus supreme. to try to find love. Oh, yeah. Yet, I have not found love. So, Well, match with me. That's what That's what I used and they. they put it to collections. I tried to. fight it. I asked them for like. for like evidence of the collections cuz. sometimes they don't if it's small. enough they don't even send you any. evidence of it. Yeah, it wouldn't be worth it. But, they sent me everything on it. So, I was like, "Okay, fine. I'll pay it.". I started a payment plan for that and. that's. What's the payment plan? How much a. month? $75 a month.

Okay. For six months. Yeah. Okay. What What. else? Uh taxes. So, taxes last year. Taxes last year, it's not too bad. Um. taxes last year I signed up Anything to. the IRS is bad. Yeah, I know. It's annoying. Payment. plan? Yeah, it was very annoying. For 2022's taxes? Yes. So, like this was like we've just. did the we've. Yeah, they don't even tell me I owe it. yet, but I know I'm going to owe because. I did it through I did it through. TurboTax and it said I'm going to owe.

$650. And I was like I was like, "Nah." So, I. signed up for a payment plan that's on. $65 every. bi-weekly basically. So, when she pays. me for rent, she pays me bi-weekly and I. take from that from her payment and I. take that 65 and I put it towards the. IRS bi-weekly. So, that is. I have it on one of the statements I. sent you. bucks? So, it's done? Uh $130. a month. That's right. $130 per month.

Um so, that will take me a little bit. I've already made about four or five. payments on it. Good. How much is left? Not sure. It. would be on the What was the payment. term again? Uh I believe six months. Six months and you've done it for three. months? Maybe like two and a half. I'm not sure. Oh, you said three payments. Yeah. Three four payments? Yeah, something. like that. Um about 260 so far I would. say. But, I'm making progress on it. So,

currently my idea on on the all the. debts, all the things I owe is the taxes. and the collections first. And then I. would be focusing on my city card. Get. rid of that. And then I put all of that focus on the. Discover. Well, again, the thing is. you're putting extra towards the cards. anyway. We put everything towards the. smallest if what you want to do is the. snowball method. We can do other. methods, but. Yeah, but I mean the difference between. me doing the extra on the credit cards.

is like very minimal. Like you said, it. was like an extra $14 or something. plus what your minimum payments are on. the taxes and with how low the balance. is, it makes a difference. It's only. like 390 bucks left. Yeah. So, if we're doing that extra It. is something. what I could do and. I've kind of just created the schedule. to pay these things off. But, I had uh. theorized that I can instead of paying. the taxes because they're just waiting.

for me to make payments on that and they. I can make a $300 payment at all at once. instead of their plan. Right. So, I could technically I can. stop paying the $65 bi-weekly and I. could just put that straight towards the. collections and just get rid of that. quicker and then then put the whatever. from the collections and the 65. We'll talk about it. We'll talk about. it. We'll talk about it. We'll talk. about it. We'll talk about it. We'll. talk about it. We'll talk about it. We'll We'll talk about it. But, we have. one more. And this must be your student debt.

loans. Sure is. So, you went to Full Sail I saw. Yeah. Yeah. I would recommend no one ever go to Full. Sail. I personally loved it. No, I'm sure you got a good experience, but it's stupid expensive for what you. could get elsewhere. The way that I did it made it expensive. I got a. It's expensive for almost anyone. I got a $40,000 scholarship. So, what. you're seeing that I owe is actually.

after a scholarship. Yeah, I bet. No, Full Sail stupid. expensive for the return on investment. Yeah. Like the return on investment is almost. nothing. Now, if I went about it in a different. way, I would have been just fine. So, I'll kind of go start from nothing, okay? So, this school, Full Sail, they. have an accelerated program or regular. long-term program. The long-term program. is similar to your normal college. It. takes 4 years to get a bachelor's and. that's what it is. The accelerated, you.

get your bachelor's in 2 years and. you're going to school like 40 plus. hours a week and you got like 10 hours. of homework. So, I wanted to do the accelerated. I said, "Let me just get my school over with. I'm going to go there full-time, 100%. just focus on it." And that's what I did. and I. went through all the classes, courses, and everything, and I got my bachelor's. degree in about 2 years. It was like. Yeah, in graphic design as a bachelor of. science. state are you from? Uh Texas. I would have gone to Texas. State University and got a degree for.

like $20,000 in graphic design. Yeah. And guess what? The institution. that you graduate from, no research has. ever suggested that you will land a. better job. 100% no, it does not. Or increase your income. As as far as graphic design goes, even. employers I've been told that they don't. care about what school you go to for. graphic design as long as you can make. good stuff that looks nice. That's all. that it matters. This dude back here, I didn't even come. close to asking where he went to school. All I cared about is if he could get the. job done well. Yeah, that's all they. care about. I could have learned.

everything on YouTube. Yes. But it was a very good school. They knew. what they were talking about. They had. very well-trained professors and. everything. even better yet for people who are. looking to get out of that, certifications, man. I I don't know if. Course Careers, like the people that I. work with, even offer something like. that, which is certifications. People. need to look into certifications. Out of. my friend group here, out of everyone. that has a college degree, the person. that doesn't have a degree and got a. certification in cybersecurity makes. well more than anyone else. Yeah. It was. it was some advice I got from a high. school.

my high school teacher. talk to them. They they don't know. It was my graphic design teacher. To all. the people who are. in education, their world is go get. education. Yeah, yeah, for sure. I mean But I asked him, I said, "Hey, I'm looking to get into graphic design. more professionally. Where do you Where. would you say I should go?" And he said. the only one he was familiar with was. Full Sail. Most likely they did some. sort of presentation with him at the. school, so that's why he knew it. Yeah. Again, the school is not.

going to that school is a problem. financially. I feel like the stuff. everything that I learned there was very. good, but yeah. Okay. Financially was not good. $70,742.55. Yep. of debt, and that's terrible. We're at a. 6.5% right now. I do want to talk about. that in a second, but we have a minimum. monthly payment of $593. These minimum. monthly payments are stacking up, sir, at $2,934. But $396 of it goes to interest, where. basically $200. So, basically $400 goes.

to interest, $200 goes to principal. That being said, did you take out. private student loans to go there in the. first place? So, yes, so I had I. Well, yes. First First, I don't remember. I. basically signed When I went to school, all I remember was I wanted to go to. school I Thinking back on it now, What were the student loans that you. took out to do it? Um for the school itself, yes, it was. only it was like 20 grand. The rest of. it, everything else, was living. expenses. Because Because when you're.

going when you're going to school that. much. much for living expenses? You lived well. beyond your means. I bet you Ow, I bet. you just went stupid stupid stupid. Okay. Very very stupid. Very stupid. in your past. We're not going to. bully you for that. I will bully you for. the stupid spending you're doing now, but I'm not going to bully you for that. You have a something you have to pay. off. But what you borrowed was a lot of. money. What was the interest rate? So, when they when I came out of school, they had like.

It's like it each time you got some loan. payment or whatever, they they made. separate loans for it. They don't make. just like one loan and they're like, "Here you go." So, when I was in school, they gave me like multiple like checks. What were the interest rates? Yes. Yes. Yes. Yes. Yes. grand check and they're just like. federal or private? Those larger. payments were private. Those were Sally. Mae. interest rates? Yeah, Sally Sally. Uh. Those were some of them were six, some. of them were lower like three, but they. were variable. They're variable rates.

Oh, okay. Now, when I left college, I. was like, I I don't like having all of. these different payments taken out at. every time. And if they were variable. right now, it would be terrible right. now. Our interest rates have gone up. Now, I will say this. So, if I get some. lot of hate. They get a lot of hate, and. I mean, I. Peo- people can have their different. opinions on everything they do. Yeah. What I am cool with with variable rate. interest rates for all that, which would. probably be at like 10% now, 11%, 12%.

You were able to get a fixed rate. fixed rate at 6.5%. I'm not happy with. you having that interest rate, obviously, and I want you to get out of. that. You want to get out of that. I. would much rather you refinance under. one roof where everything's on one thing. at a stable interest rate that's not. variable. So, that's good, and those. kind of services are good for people who. have an insane pile of student loans. If. you have like 15,000 bucks, all right, let's just attack that. But if we're at. 75,000 where you came in, then okay,

that makes sense, and that's where I. think services like them are okay, and I. know there's lots of discussions around. them, but that's where I'm okay. But. either way, without your without your. collections and IRS debt, your total. debt is $81,329.65. uh 63 cents at the time of those. statements. Uh paying on those, uh you know, it's. just. you were just doing basically a little. over minimum monthly payments on the. cards, and then minimum monthly payment. on the. uh. on your student loans. Yeah.

Guess what? This makes no sense. This is where I get. actively upset. Not necessarily at No, okay, a little bit at you. A little bit. at you cuz how long have you been. watching this channel? Um for probably the last month or so. Okay, only the last month, and I won't. be too angry. I was going to slap the. table at you, but I guess I don't have. to. Dude, within the statement, we went out. to eat $375.28.

times. Yep. You could have paid the remainder of the. taxes. We could have basically paid the. collections. Yeah. Instead of Mickey D's, which you're. obsessed with. And guess what? Let's. also talk about this. Let's There's an. honest discussion to be had as a man. with a dad body who's trying to eat. better. I get going out to eat. I really do. I. get the temptation of it, and it's kind. of addicting the fast food, the the fat, the grease, the salt. I love it. Shove.

McDoubles down my throat, I'm all about. it. Let's go. That being said, one, you. cannot afford it. Two, let's talk about. the health aspect. If we're doing that. every single day, that is not good for. us. That is just not good for us in. general. Yeah, yeah, for sure. that's not to say anything against you. or to shame anyone for anything, but. that's just the fact of the the. conversation of that kind of food. If. we're going to eat food, let's at least. try to be healthier cuz I also want you. to live longer. Yeah. I think when I.

I think from this statement, I think you. might have been seeing where they like. the smaller McDonald's. It was like four. something dollars. It added up to. basically 400 bucks, though. Yeah, so. when I was doing that, that was actually. my breakfast in the morning on my way to. to work. the easiest meal. Yeah. But what I thought I went to the store, and I looked at like frozen sandwiches, Frozen sandwiches? You have frozen. cereal. Okay, I don't eat frozen. a breakfast bar.

BREAKFAST BAR. YOU NEED A frozen sandwich? I don't do. bars cuz I'm I'm allergic to nuts, but I know what you mean. I know what. you mean. Cereal, it was a little bit. more. Um the best thing I found was like. oatmeal. Oatmeal was like way easier. Okay. Yeah, so you can overnight oats. Yeah, at that time, I literally found. that frozen breakfast sandwiches at the. store was the same cost as like. McDonald's sandwiches. cuz McDonald's it's a frozen thing that. they make there. So, I mean, yeah, what. it's pretty similar, but frozen at the.

store is not the only option. We can't. use that as a justification. It was a It was a convenience to cost. kind of thing that I did, but yeah, at. that time, that's what I was doing. I. haven't been doing that in the last. month. no distractions, few minutes to eat. Yeah, yeah, for sure. Yeah, that's way. better. could do a granola bar, no nuts. Yeah. I. I actually I'm just not a big breakfast. person. Um so, like right now, I'm just. I've been I've been skipping breakfast. right now. just don't eat it. We don't give. McDonald's the money. Yeah, for sure. And then, you've sent out Zelles, by the.

way, of the month. Sent out Zelles of. $886,000. Yep. Zelles, PayPal. So, accounting for all of that, dude. I. mean, come on, with the debt, the. minimum monthly payments, how much. you're eating on fast food. I mean, you're There's not There's like nothing. left. Yeah, so like I said, it's basically with all my payments and. everything, but I do see a light at the. end of the tunnel. I kind I If you look at one of them, I. have like a Google Sheets of like my.

snowball calendar that I kind of created. for myself, and I was starting with the. the collections and the taxes, and then. what I did was I compared how long it. would take me to pay all these things. off just making the payments that I'm. making now. I compared that with an. additional $1,000 a month in doing some. Uber Eats. And I saw the difference. Uber Eats? I started doing Uber Eats. last week. Good lad. Um and it's it is good, um and.

I I need to keep up with it. The idea. for me is after work every day to do at. least $50, and that will end up. 50 bucks a day? 50 bucks a day for. weekdays. So, every time I leave work, I. go do about 2 hours or so, and that'll. make me about $50. Um and then, if I keep up with that for. a whole week, that is $250 a week. At. the end of the month, that's $1,000 a. month. Did you take into account gas as well. with that? No. We We have to account for gas and.

maintenance when it comes to what we. consider profits from there. For sure. Plus, you're setting aside tax money, 30%. 25%. Yeah, but I'm also collecting. the information on my driving miles, and. every math thing that I've done. calculated. Now, I still want to do that. to protect myself cuz I know I I don't. want any taxes at the end of the year. just surprising me. I don't like that. But, everything that I've looked at is. when you drive for Uber Eats and you. track your miles properly and all your. expenses that it equals out your taxes.

and even if a profit. sure you're doing maintenance and gas as. well. Yeah. Yeah. Any advice on like. what I should apply for that? Um Um I I. just cuz it depends on the car and how. the frequency you're driving you're just. going to have to figure it out. Yeah. Yeah. Um. but I do see cuz you have no savings. You have nothing, right? Nope. There's Is there any retirement? Nope. Oh. Yeah. I used to. I used to have some. really nice savings. happened? Um so, I used to have about 10. grand in savings in a 401k from when I.

worked as a graphic designer for 3. years. No, yeah. Not I mean the 401k. Where did it go? Then, when I left that. job, I started doing plumbing. Um I had. a $6,000 credit card. and I took the money out of my 401k to. pay that credit card off and I did that. and then I left the rest of that in that. account. Then, I when I got married, um. I did not know where I was going to get. that money and so I took it I took the. rest of the money that was in that 401k.

and I paid for the wedding. And I know that's not a very good thing. to do and I should not have done that. of which the rest of no longer exists. Correct. Yes. So, in your budget timeline debt. payments, you're not saying the student loans will. be done in No. No. No. The student The. student loans are just whatever that. payment's going to be forever for like. 20 years or whatever. It's just a small. stuff. accept you getting out of credit card. debts in 2. years and 1 month.

Yeah. Yeah. That sucks. So, that's why. that's why I kind of made that timeline. to to visually show myself how long it's. going to take. Yeah, if you're doing it. that way I don't like your way. Yeah. For sure. So, that's why I kind of. made that timeline. I'm like, how long. is this actually going to take if I if I. did everything correctly, made all my. payments, everything. That's how long. it's going to take. Let's do this the real way, shall we? Okay. Sounds good. Okay. Uh rent is 1,035. What's your portion? Uh half of that.

So, five. Whatever. It's a Well, actually it's. 11:35 because we have to pay $50 for. each car reserved spot. Okay. Good to know. We did not want to do that, but. unfortunately, the place that I live at. tows cars like nothing. Yeah, you need. you need a car to live in America. It's. the greatest tax we have. I have been towed twice since moving. there since January. So, that was $320. in tows. Utilities your portion. utilities internet all that stuff. combined. Yeah. Yeah. That's um with.

everything Renters insurance. 11:25. Renters insurance is about $45 a month. Yeah. The internet's 65. Energy is about. 100. Um and the rest of the stuff is in. in the cost of the apartment. So, what do you think your portion? 13 something. My portion. like 700? What is that? Like 700? utilities? No. No. The for for So, it's.

five it's about 550 or so for the. apartment for the reserved spot and the. rent. Oh. All the So, and and it's still 150? Yeah. Yeah. Yeah. Sorry. I'm trying to. do the math like in my head without. writing it down. It's okay. You don't have a car payment. I don't. Yeah. So, I had I had a cat I. bought a cash car. My mom actually let. me borrow about five grand. It's a 2009 Toyota Corolla. Good. Do you. owe your mom still? Nope. Good. Gas I. see like 100 bucks a month is what we. kind of saw. Yeah. So, that Pretty not.

much. Okay. 100 bucks a month. Yeah. That sounds about right. Um but, that will increase with the Uber. Eats. I need to figure out like an. average for that. That's true. Well, we'll figure that out as a like a. business expense and all that stuff when. that happens. Okay. So, gas I am I am. worried about the car. I don't know if. you can. What's the mileage? 161,000. I just put. I put a. I put a $1,500 in it before I moved into. my new apartment when I was living with. my mom. I had actually started saving. money up living with my mom again, but.

all that money went straight back into. that car and then I moved. So, I was. basically at zero again. All right. We'll talk about that. I'm I'm just worried about it. I I mean, it's a Toyota Corolla. Those things. go for years, but anything can happen. and I'm worried about it because if I'm. doing all these Uber Eats at any time. this thing could just All right. We'll. talk about it. So, rent, utilities, gas, health. insurance that's taken out of work. before you get it. Um good. Good. Good. Car insurance is also also through USAA.

Both of them are about 45. I have a USAA. for the car and my renter's insurance. car insurance. It's about $90 total for. both of them and I make two $45 payments. a month. sorry. For renters and car insurance. both put together. Yeah. I mean, the. coverage isn't great. Like I got my car. broken into once and I replaced the. mirror the window myself by going to a. junkyard. They didn't give me any kind. of coverage. So. Congratulations. Your food budget is now. $300 for groceries.

and nothing else. Yeah. Your portion. I know it's like a. household thing. You guys can do. whatever. She can do whatever. Your. portion is no more than 300. And your. portion to things for the apartment, toilet paper, all that good stuff. Congratulations. No more than $100. And then your medical thing is 65 bucks. a month, all right? Yeah. So, that's medical, gas, and. gas? Like driving gas? Yeah. Oh. I was. putting that away because if I was. getting $77 into my account, I didn't. want to get blasted with a $30.

gas. But, but gas is gas and medical is going. to be no more than 65. A week side Oh, a week. Yeah. 65 is miscellaneous house goods. So, that's my toiletries, my I need some. soap, I need some paper towels. Then, I. will cross out. house stuff. I will cross out your gas. We'll do medical, gas, toiletries. 65 * 4 at $260 a month.

Now, of course there will be additional. gas, but that will be for business. expenses. And we'll we'll think about. that separately. Okay. Any other expense. you take care of outside of the debts. that you can think of? I have one. I owe. $2,000. to my stepmother That's a debt. that I. borrowed. Um but, she is completely fine with. Waiting. as it takes for me to get on top of my. stuff, but that was two grand to borrow. before I went into the apartment. Have you been in open communication with.

hey, I'm trying to get out of a. situation? Uh I am. She's not very good about. calling and communicating. So, she just. kind of understands. She's in a good. place financially. So, she's she told me. basically she's okay with how long it. takes for me to figure it out, but I. definitely want to keep it and I want to. make sure that I pay it back. Your. minimum monthly expenses on your debt. are a third of your take home. Yeah. Yeah, that sounds about right. That is. insanity, but that is I mean, that's an. average American. Yeah. And the the.

reason why I like okay, this is this. Blah blah blah blah blah blah is cuz I. want people to understand just how dire. this is. Yeah. Yeah, for sure. I mean, that's why started watching your videos. and started trying to listen and started. budgeting and I hope it's helped. my stuff. It has. Yeah. It definitely. has. Um like I said, I mean, the. statements are like a month old. So, I. started really looking at everything. Before that, I was just kind of. willy-nilly like I know I need to not. buy this. Like now I'm like really. looking at every purchase. Um I'm going into my Mint app and I'm.

literally categorizing each thing. Um. so, yeah. I'm watching it a lot more. closely and I I feel like if I just keep. going on that right track that I'll make. my progress. Well, your minimum needing to exist in. my budget that I've laid out for you, which I think is a better one than the. one you gave yourself, is $2,278.10. a month, which is 78%. So, your needs. category 78% of your income, which is. terrible. Should never be more than 50%. I would like it to be less than 50%, but. that's the max it can be. Yeah. So, that. gives us some extra money though can cuz.

congratulations. What's usually left. there is spent on the Golden Arches. The. Golden Arches are no more. So, of your $2,934, you get on a monthly basis post taxes, post health insurance, all those. goodies, 2,000. 278 is gone, meaning you have an. additional. woo $656.

a month. is left. So, that's going to be the additional on. top of my whatever I pay for my stuff. right now. Yep. These are outside of. minimum monthly payments. I want to do. those little extras that you're doing on. the car. I want to do that. So, this is. 100% what I do. I agree with your. situation. I think the snowball method. works except for the stepmom debt. We're. not going to worry about that now unless. she comes barking. So, month number one, essentially starting next month. Month. number one, congratulations. That extra 650 bucks. will immediately take care of the taxes.

and will take care of half the. collections. Month number two, actually hold on for a second. Before we. do that, I think we do minimum monthly. payments for that month. Put that $650. $656 aside for 2 months. Give yourself. 100. uh 1,300 dollars. Okay. Have that on the. side just in case. I need you to have. something. And even that's smaller than. I would like you to have. That's Yeah, that's very good cuz. Do that. Minimum monthly payment on. everything else. Do not do the extra on.

the car. Put all that 650 bucks on the. side in a high yield. Do like Ally cuz. you're going to use that for your. buckets anyway. Now, month number three, boom, taxes is gone. Boom, half of collections is gone. Month. number four, collections is completely. gone, and we start throwing it to City. Okay. With where City's at and where. it'll probably be at the time at. 3 4. So, this is like starting to go in. month number four. It's probably going. to take about.

probably an additional three three and a. half months. Okay. So, that was. So, we're starting month number seven, I. think. Seven or eight, somewhere around. there, we start attacking the Discover. as much as we can. Yeah. Now, what I. like to usually do is exactly kind of. how you're doing it is this is. the worst case scenario kind of deal. Um Of course, I know. We'll We'll talk. about the other incomes. We'll We'll. talk about that. Yeah. Yeah, I think uh But, with what we.

have right now, it'll then be an additional nine months. to pay off the Discover card. So, of. course, we're like a year and a half now. almost just about giving it a little. wiggle room just in case anything. happens. And at that point, that's where. we no longer have the extra minimal. monthly payments on all these other. things like the taxes, the collections, all this stuff. So, we have We're. probably to about. uh. about $925.

extra a month. And these two student. loans, they're going to be at about. $70,000 at that time, unfortunately. Maybe Let's just say $69,000. You. will have 925. That's going to take 74. and a half months. Yeah. Divide that by. 12, that is six years. So, what's scary. about this situation, and that's not. even your stepmom, then your stepmom has. to be paid up, then you have to get an. emergency fund. And of course, you're in.

your mid-30s at this point, and we have. zero for retirement. So, that's. unacceptable. We do not accept that, obviously. What is critical. is. And even though you're at a relatively. good interest rate for our private. student loan, I'm happy you refinanced, that was good. That was a very good. choice. So, good job on that. Okay. Uh. it being over five 4% by an additional. two and a half percent, we do need to. kill it as fast as possible. Plus, your. income to that debt ratio is scary.

And the minimal payment is bad for your. situation anyway. So, yes, you're. correct with what you're doing. You're. Uber eating like crazy. You're Uber. eating You are just driving every second. of your life. What I would prefer, try. to get a better job, better paying main. job, Yeah. and then and then continue that. Uber Eats. If you can bring in like 50. 60,000 dollars a year, This job has a. great potential. Good. The guys in my I In my office, I don't. know the exact numbers, but I know they.

get paid paid very well for what they. do. And I am getting trained in every. aspect of what they do, and they want me. completely replacing. their duties currently estimating things. out. as that's provided with the income, Yeah. Yeah. So, of course, and and the. There's a lot of bonuses with this. company. When they. When I first started, I was there for. only like a month, and I mean, at my. pay, you kind of realize what I get paid. weekly, they give me 500 bucks. And.

after I was only there for a month, and. they're like, This is just like They're. like, This is just because everybody. else is getting a bonus. It was like. Christmas time. Um. Normally, we wouldn't give you a bonus, but you've been doing great, so here's. $500. So, they didn't need to give me. that, and I just know this company is. just great. And I know if I stick to it, then I'm getting I'm going to get So, you work your butt off, you're the best. employee ever, you make more money, and. then you drive Uber Eats. The sad thing. is, you I mean, for this to cuz to pay off all the.

debts, that's going to be like eight and. a half to nine years total, plus getting. a fully funded emergency fund and. starting retirement, we're looking like. almost a 10-year process. You're 37. before you even start contributing to. retirement. Yeah. We find that. unacceptable. If you double your income. to like 70,000 bucks, actually, well, no, after taxes, like 80,000 bucks in. total, Yeah. I mean, this is still a. five-year half a decade process, and you don't want to be not going out. to eat once or having paid no paid for. fun once for five years, and that's if.

you double your income. So, we need you. to try as much as possible, and I'm over. here just sitting here on this side of. the table. I. It's easier to say than do, Yeah. but if. we can get close to doubling your income. through bonuses and stuff like that at. your primary job, that's great. And then. still, every single second of your life, driving Uber Eats that you're not. sleeping. Yeah. And I'm sorry, and I. know a lot of people say, Oh, it's too. strict. You can't do it. If it's 10. years going as crazy as possible on our. our current income,

then even with the extra income, five. years, you just We can't be spending money on. extra stuff. We just can't. We have free. fund, or your significant other takes. care of If you want to go out to eat, they take care of it. Mhm. But, you. cannot be doing it cuz you have a mess, and you need to clean it up. And at this. pace, at the pace you're on now, not. going aggressive, this debt's not paid. off for 30 40 years, and you're dying on. the workplace for. because you have nothing saved for.

retirement, and hoping you're hoping and. praying that social security exists for. you, which who knows for us. I think I. think it all kind of just started from I. mean, most people when they get into. college, they have that time where. they're just like struggling, where. they're eating that top ramen, they're. eating whatever, they're making that. happen. I didn't get that. They gave me. $24,000 checks. I paid my rent, and I. used the rest of that. I was supposed to. save. give you everything. Oh, yeah. So, I had no struggles in.

college. I was going out to eat and. doing all sorts of crap. So, I did not. have that time. And in between that. time, I've slowly started realizing all. these faults. And so, I feel like I'm at. that point where I'm just like, I need. to You do. I need to turn it off. I need to figure. this. out. And what's scary is for how long you'll. have to turn it off. I'm curious if it's. sustainable. So, you got to figure out. coping things, take advantage of your. health insurance, mental health, make. sure you're checking in, make sure your. relationship is strong. And if you have. fun, they're covering it, you know. So,

and then there's lots of things you can. do for free that's fun as well. I love. going to parks and just doing lots of. free activities, just hanging out with. friends at their place. Yeah. This is going to be a long journey. I'm. nervous for you, and I feel bad. I. legitimately feel bad cuz I know this is. going to suck. Yeah. But, the light of. the tunnel does exist. Even if it takes. a while, just go crazy. But, you are a. perfect example to everyone who's. watching of, Hey, maybe we don't go to a private school in. Florida. Hey, maybe we go to a public.

school, public university. Hey, maybe we. go to community college for two years. Hey, maybe we check out course careers. and just get certified. Yeah. Hey, maybe we go to trade school. I think I was I'm a perfect example of. Your parents told you to go to school. Go to college. Go to college. Go to. college. And I'm like, Fine, I'll go to. college. Now I'm Now I went to college. Now I Now I got to live with it for 10. years. Thank you. You're the classic American. Yeah. And like the thing that I wanted. to do, and I learned how to do it, and I.

did it very well, and it still didn't. pay very well. So, yeah. It is what it is. It is what it. is. So, please please just sacrifice a. budget, do what's necessary, get rid of. those $15 fees. Yeah. Yeah. It's And. then And then you're going to probably. want to throw, depending on how long. it's going to take to get out of this, probably about 35% of your income, 30 to. 35% towards retirement cuz it's kind of. play catch-up game. Cuz you're going to. obviously you'll miss your first decade. of It's a given at this point. You will. miss your first decade, best decade of. compound growth. You'll probably miss.

half of your second best decade of. compound growth. Unfortunately, a lot of. it is at the the whim of this job. I feel like again, where I start I started this job back in. November. So, I mean, it's barely been. six months. So, I don't plan for there. to be any crazy changes this year. There. might be a little bit extra, but really. the change is going to come in the next. years after that when I show that I can. do these this job professionally and and. get to that level.

And don't let a single job in a single. company control your outcome. Build your. skills, make sure you're marketable. throughout the marketplace just in case. anything happens. It's really tough. It's this This job. market that I'm in is just very niche. I. bet. Yeah. Any final thoughts? Final thoughts? Um I think you kind of. said it with the school. Um. if you guys plan on going to those kind. of schools, figure it out. Look at those. job markets, and don't be like me and. get, you know, that many uh years of.

debt that you need to pay off. That is about it. And I need to I know. about the accounts. I need to look into. that, the Allied, right? The Allied. buckets. Um so, I don't know if that involves. just getting a whole new bank, or if. it's a separate program that I send. money to. I'm not sure, but I'll look. into it, and that sounds like it's a. really good solution for me. Well, for Mr. Carl, he thought his score. would be a three out of 10, but let's. break down the Hammer Financial score. When it comes to him spending within a.

budget, I'm going to give him an average. five out of 10. He's budgeting in a. weird way, and he's certainly spending a. lot on fast food and other fun things. while he needs to be getting out of. really bad debt. So, five out of 10. His. debt, zero out of 10. I mean, owing the. IRS in collections, crazy amounts of. student loan debt and credit card debt, zero out of 10. You can't give him a. point for that. Retirement, he has. nothing, zero out of 10. Emergency fund, he has nothing, zero out of 10. Real. estate, he's not even close to being in. that world yet, zero out of 10. That.

aggregates down to a Hammer Financial. score one out of 10 and that's only. because he's slightly budgeting and he. is starting to get better. Make sure to check out all the resources. in the description below and don't. forget to follow me on Instagram and. Twitter. Thanks.