Clown Choosing DoorDash Over Child Support | Financial Audit

this is just real world this is real. world this isn't trying to sprink our. rainbows this is just the real world. maybe if you accepted the real world at. any point in your life you wouldn't be. in this situation I do but if I did if I. did as hard as you want me to I wouldn't. be here hey hey just Devon here I'm 29. years old I'm in Austin Texas right. now can I say that can I say I'm in. Austin Texas mhm okay yeah and this is. financial audit and this okay so what do. you do for a living here in Austin Texas. I'm a teacher teacher what do you teach.

I teach withm disabilities I'm a. behavior therapist basically wow very. cool good well how much are you making. in this position hopefully being. reordered with it decent not enough all. right yep that's yep how much um1 1850. right now how many hours a week are you. working 40 very. cool now I know that you're also in the. content creation space and you do twitch. yeah I stream I do YouTube a little bit. and but mainly twitch mainly how many. followers you have on Twitch on Twitch. we just hit 4,000 yeah really are you.

part of the whatever they call it over. there funder thing uh no I'm not I'm. just just by myself only team I'm parted. about uh is NE dude pretty much that's. the only team I'm on um on team yeah. that's pretty much it okay how much do. you bring in from twitch also on a. monthly basis um about a 100 bucks. 150ish how many hours a week are you. putting into that I would. say maybe let's see I stream like 4. hours is Mondays Wednesdays Fridays um.

each yeah yeah about about four four or. five hours I don't stream super long. yeah I'm not putting a lot of time it. sucks cuz twitch kind of sucks but it's. just like 100 bucks You' think with. 3,000 followers I'd like to see a bit. more than a 100 a month but what's your. average concurrent viewers um right now. it's like 16 yeah oh well that would be. why why is it so low um just probably. not putting out enough content not uh. streaming 3 hours a week yeah but not.

stream as consistent as I should there's. a lot you skip days here and there yeah. skip days here and there okay well you. can't do that unfortunately on that. platform and YouTube how much do you. make uh nothing nothing at all oh how. many subscribers do you have. 69 sick okay all right so about 3,189. from the day job on a monthly basis some. weeks are going to be longer or some. months are going to be longer some. months are going to be shorter that is. what it is on average and then plus 100. bucks twitch yeah yeah okay so what does.

your life what does your life look like. financially I know there was just a lot. going on but just give us give us a. rundown um ruins uh everything that's. going on right now is since I moved here. to Austin uh just I feel like I've had a. lot of bad luck um since I was younger. I've probably been i' I've been living. basically paycheck to paycheck since I. got out here um I think even when I. first arrived I didn't have anything.

like saved up to really like pull myself. in and right now it's just it's. definitely piling up on me heavily um. well and just weird things like paying. for an autol loan but not having a thing. you're paying on an autol loan for yeah. the car situation itself uh really is. probably the biggest downfall that I've. that I've faced and seeing here uh long. you've been here about six months and in. the last three months okay well that's. really been absolutely absolute chaos.

wait but you've only been here 6 months. and you think you're going to be. homeless next month yeah welcome to my. situation Welcome to my life right now. why why are you going to be homeless. next month you've been here 6 months I. think your situation would be not. necessarily stable but just like that's. that's a really quick get here and like. everything. goes let's I I'll start with this so. since I've gotten since I've been in. Austin because 6 months right two. accidents already one a hidden run and. this last one smashed the back of my my. car in didn't have I didn't have.

insurance you have to have insurance. it's the law it's expensive um it's the. law I don't care it's the law and then. now you. got okay so during the accident during. the accident the guy was at fault was. driving his own truck like a company. truck and so I get out and I'm like hey. like you you know you're at fault he's. like yeah I know I'm at fault um and I. automatically told him I was like yo. like I don't have insurance um just. being honest and I should have. immediately have called the cops and I. didn't cuz I was afraid hey I don't have. insurance I'm going to go to jail um and.

so immediately I was like okay uh let me. just tell him the truth and let him know. what the situation is and he was like. okay cool I have insurance I'll find it. under my insurance and you know we'll. get it settled we'll get it we'll get. you situated and figured out um my car. again smashed into the back but I was. still able to drive it so I just drove. it back to uh back to my house just left. it there but it smashed in the back the. tail lights don't work when was this uh. this was in I believe uh October is if.

I'm not mistaken a long time ago okay uh. yeah no I haven't had my car for uh. quite quite quite some time. um the million Ubers millions of Ubers. so uh he gives me his contact. information gives me his ID I have. pictures of his ID gives me his contact. information gives me his business. contact information and everything like. that so uh next day I'm waiting for him. to contact me let me know what his. insurance said no response I'm like okay. this is this is getting weird here we go. um he contacts uh he text me he text me.

a little later on he's like hey like uh. my insurance said that you're at fault. um and that's it they're just going to. fix my stuff nothing nothing else and. I'm like that doesn't make any sense. like if you show them the pictures that. we took if you show them everything like. you're obviously at fault you even told. me you're at fault you didn't tell them. you're at fault did you record it I. didn't record it um I just took the. pictures I didn't call the police cuz I. thought I would I thought that I would. end up going to jail I have a bad. experience with police so I just it was. it was a bad a bad call on my end I. should you should always call the police. well you should always have the.

insurance uh and you should yes you. should always have insurance um my. insurance was again just it was too. expensive at the time and I didn't I was. irresponsible about it the law though. it's just the law yes it is the law it. is the law but um um and so he. basically said that oh you know I what's. a progressive thing I saw in your. statement son so I ended up having to. get insurance again or else my car was. going to be. repossessed so yeah.

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not so now what what's happening with. your car what's happening with your car. um so I basically end up he tells me. that yo like um he tries he basically. tries to ghost me with it and so I'm. like no like I'm going to find your I'm. going to figure out your information I'm. going to figure out your insurance and. file it myself so I go and I file police. report and they're telling I finally. figure out his insurance he has Geico I. call Geico and I'm say hey I file my. situation they're like hey he doesn't. have Geico so I'm like okay that doesn't. make any sense so I text him I like I. know you don't have Geico uh what. insurance do you have and he's like oh I. have ay insurance and he slips up and.

tells me the company insurance so I file. with the company insurance they messaged. me back letting me know that he had a. laps in his insurance when he hit me so. now it's up to me to basically Sue this. guy let them know the court know that he. was lying to me the entire way through. what are you going to sue him through I. I don't know I'm still figing claims or. what I think small claims lawy of lawy. yeah I've been asking different lawyers. uh I have a couple of friends who no. lawyers so they've been telling me like.

hey go through small go through small. claims you can get up to like I think. 20,000 was the most that you can get oh. what car um what's your car uh it's a. BMW 328i then why are you going to be. homeless we haven't even looked at the. statements but why are you going to be. homeless you just moved here just. because I don't have any money man I. have nothing left right now I am. negative2 and something dollars right. now why do you spend it on 25% of your. spending is going out to eat that's not. you having no money I got to eat what. you mean Gotta.

Eat have you ever heard of a sandwich. it's a grand New Creation just invented. yesterday called ham in between two. slices of bread for like $5 from HB. instead of spending $1,000 going monthly. basis right now where where we are right. now groceries are expensive yeah or no. what do you mean that's broad term our. groceries expensive right now I could. get you a $300 a month 2,500 calories a. day with a diversified meal plan that we. have proven and have written out that I.

can give to you I like that but also. have you. heard hold on hold on hold on pause have. you heard of Nacho fries you know what. nacho fries are fries with nachos no no. no no. no nacho fries from Taco Bell I've had. once they've kept me alive man that's. like it's almost like I get food from. door Dash or anything like that it's. normally because like yo like this is. something that I know I'm going to.

actually enjoy I have a really uh a. really not the best idea with like. cooking and stuff like that as well so I. was just relying on door Dash I can get. this right now I can get this right now. instead of trying to Uber somewhere or. order groceries I did end up ordering. groceries at one point uh this last. month or so I don't give a sing about. anything you're just saying you just. said I don't have money and I'm going to. be homeless so we spend $1,000 going out. that's where I'm at right now but. literally before I got here I did make. the conscious choice to actually make to. get groceries doesn't matter whatever.

you're doing right now is what matters I. definitely exactly right now the last. thing I did was get groceries I had to. do door Dash now because I couldn't even. afford to literally go and get groceries. that's the hard part oh I go to the. grocery store and I buy I buy just ham. and bread and cheese and that's say and. I come back and I just eat sandwiches. every day that's what you that's what. you're saying yeah you could you would. do that uh yeah i' I sacrificed. everything when I was getting out of. debt for multiple years absolutely and. we're different people so we're going to. do different things yeah we're different. people one's responsible and one's. saying they don't have so that can't.

rent but it's $1,000 going out to eat. that's not that's not yes it is. 96465 cents what do you mean you send me. your statement I know what math is D Das. it's going out to eat in general it's. going out to eat in general then. miscellaneous bull doesn't matter in. your life was. 6.5% I think that eating the door Dash. and getting what you like versus just. eating sandwiches every day when you. can't when it it just makes me feel. better it's literally like at a time you. have to think I'm going to stuff I'm. also going it's not about feelings if I.

went and shot up it would feel pretty. good but I know it's bad would told you. to do that right nobody would tell you. to do that but ordering door Dash and. shooting up don't don't compare what is. that like what kind of comparison is. that that does sense saying things that. feel good doesn't make it the right. choice when it comes down to buying door. Dash just because like yo like I I. literally can't get out of bed to go to. go do something right now I can't access. groceries right now like I'm having a. hard time I think if I'm not mistaken.

favor owned by. H like it has a delivery cost of 25. bucks which sucks but if you do a major. two week uh uh twoe grocery shopping. trip plus like a $10 tip which isn't. absolutely fantastic but just say doing. that as an example that's still going to. save you much more money in the long run. than ,000 a month if you do a 300. grocery trip plus the delivery fee plus. the tip for a month that's going to say. let's just say it's $600 that's still. saves you 33% of your VI like you your.

excuse is want and joy and that's. fantastic I want you to have it but. there's a little thing called a roof. over your head that I also would like. you to have a little more and that's. facts that's that's completely. understandable I appreciate that thought. I up until this point up until this. point up until this point I had the roof. in my head the roof and now we're at. this point so now we're at this point. because. also at the end of this month the where. I'm playing where I'm staying right now. is a room share right where I'm staying.

right now the the realtor wants to sell. the house so now I have to find a. different space and every space that I'm. looking at right now is just out of my. league in a way every space you're. looking at yes every space that I'm. looking at right now is out of my league. um I know now since I have all these. extra bills I have you know the. insurance I have uh my car know I have. literally all this stuff you can afford. a th bucks a month in rent shall we pull. up where there is that's on your highend. that's your max to Max that's okay.

that's my okay even even then even then. right now even then places that are like. 800 bucks you know to live in a month. aren't going to be in the best places or. trying to stay around where my job is. right now Austin has like one dangerous. place I am very on the ins and outs of. Austin okay there's a couple rough. neighborhoods yes but in general Austin. has like the lowest crime rate of almost. any major city okay welcome here. congratulations youed in a pretty good. town okay but even still like one.

dangerous it's like east of the domain. for like 7 and 1 half minutes it's like. a sketchy area on the south side it's. not even just that I also am trying to. stay close to my job since I don't have. my car right now where's your uh uh well. where is it we'll censor it we're. cutting it out well that that is great. so I'm currently. seeing uh 105 places zoomed out 105. places with multiple units within those. places each of ,000 hours and less so. it's 105 places with multiple units. within those places and within the area.

you need to get uh let me zoom in here. we are getting about uh 27 places with. multiple units in each of those places. that you can rent for $1,000 or less and. a lot of these I know to be in quite. decent and or some actually nice areas. there's a couple that are not so this is. the you're right the places I'll let you. talk in a second sorry I know I a lot my. apologies for interrupting go for it um. it say the statement you said was. correct for the places I'm looking I.

haven't been able to find it you're not. looking at the places you can afford I'm. not even looking at $1,000 as as my my. cap because I didn't know that I didn't. know I've never known how to like budget. budget and stuff like that so I'm I'm. actively trying to learn that right now. that's about 30% well you're going to go. through our budgeting program because. you're a guest on the show so we're. going to send you that whether or not. you take it is up to you but I'm taking. it it's coming with me but I'm leaving. here with something okay yeah no no no. and actually a lot more but we'll tell. you that afterwards but um I think so I.

was looking at at 800 bucks that's what. I thought that I could afford as far as. as rent goes that'd be much more. comfortable by myself um because I I. want to be able to save I it's really. it's really can I give you a hint on. saving yeah for sure spoiler alert. $1,000 on door Dash doesn't save money. on $3,000 a month it's pretty funny I. know um again the door Das situation. is I I love to eat all right I like to.

eat food that that yes it is a feeling. are you looking at now it's a feeling. well then you should be able to. understand like yo like on when it comes. down to to when you're when you're okay. say you're depressed yeah because. depressing is something that I that I. that I fight with constantly yeah sure U. manic depression is something that I. fight with constantly and just looking. for a bit of a bit of happiness eating. something that means a lot to me that is. really good to me kind of just therapist. would support that as the of valid cope. though as a valid cope sure that you do.

but as definitely I'm not saying it's a. c but I'm saying something that it is a. cope you are saying it it's a c i mean. I'm not I'm not relying on it I'm just. saying it's something that I can choose. to do that's not hurting anybody or or. you're hurting. yourself financially yes financially yes. but I'm saying like I'm not only eating. I mean I'm active I skateboard I. literally go outside and I skate iations. and then you spend a third of your. income on door Dash um but I also do. things that that I try to like I'm. always like yo like I'm gonna try and.

make it up by doing this by uh whether. it's like doing small gigs on Craigslist. or you wouldn't be going homeless if. that was the case the reason I'm going. homeless is because I'm not sure how to. handle my money well that's the reason. the door Dash because you spend $1,000 a. month on door Dash can't handle your. money well if that was the case if that. was the case that uh that the door Das. thing was the the major reason then I. would already be homeless no what's your. current rent situation my current rent. situation is I'm paying $700 for a room. that's why you're not homeless because. you're drastically under the Austin.

Market gotcha okay well I thought that I. was I thought I was handling it well by. just you know door dashing here and. there like 20 bucks yes that adds up of. course but you also had a misay I know. was had a Mis payment on your credit. card which is the first thing on my. statement if you have Miss payment on. your credit card you're not managing it. well yeah and yes door Dash can lead to. that because you don't have any money. yeah this is true you have a Miss. payment so here we go all right 20. minutes into and we finally start the. first payment so let's see Mr Capital. One now you paid off a previous balance.

but then what you were doing is you. purchased $200 and then you did have. interest charge and then you had a late. fee also. charged why aren't you just paying it. it's not like this is like an incredible. high amount by any means $200 versus the. $1,000 on door Dash I uh I have an. excuse I don't um I don't need you to. have an excuse I just like a reason. there's literally just like moments. where I just don't have the money. or I I move the money over and I have it.

ready for it to like at least play the. minimum balance and then I don't have it. yeah you're managing it well right. sometimes I just don't have enough money. so I don't pay my bills I make poor. choices financially yes yes I do um but. again I I definitely try. to I definitely try to make up for it by. literally trying to bring in money by. doing different things like I said um. yeah but that never works for anyone. because if people don't learn their. money management skills then they go. make $100,000 a year from 30 they just. just inflate themselves beyond that.

extra income that they start bringing in. that's what everyone does you're just. going and making the money is not your. primary issue it's how you're managing. the money that you have is your critical. issue I constantly feel like I don't. have money though that's the thing about. it yeah because you're not managing it. that's how it works feeling is a feeling. math is math and the math is you're not. knowing how to do the math and that's. okay I'll teach you but it's not a. Feeling. $29 28 minimum monthy payment oh here we.

go door Dash door Dash door Dash door. Dash Das door Dash door Dash D nacho. fries hello bro waterb wo w w w w dude. nacho fries there's two things on here. the rest were just not and then you stop. and you get like you don't have a car so. I know this is a gas getting some like. what we call Taquito here which is bull. unnecessary toito is fire I'm literally. you okay you know that I'm feeling. things right so I'm getting things yeah. the Fire come out of your after eating.

Taco Bell hold on hold on I'm I'm I I'm. healthy I'm healthy you know what I'm. saying I I eat you know what I'm saying. and I poop just fine don't talk about my. like that it's not. cool I know you're the the stopping uh. $882 at a store just like the shop and. you do this constantly so that is a. store that's next to my job so I will. get I will get. water water. the water situation is just cuz I just I.

prefer a bottled water CU I can. literally I get a big bottle water and I. take it home pack of like a million of. them from HB the cheapest option which. is what I personally get when I need. water bottle water like the guest like I. love the guest but I don't need. expensive bottle water out there so I. get the stupid big crate for like $10. got you it's incredible instead of going. and dropping almost $10 every time you. want to get a couple. sips yeah definitely I mean it's not a. couple sips like I said I take it home I. drink it like I literally drink these.

things every day like I literally drink. day yeah that's expensive you could get. 10 times the amount you're getting for. the same price. though this is true true and door Dash. was twice or door Dash was a million. times uh your little special little. cheese fries were twice fries yeah. it'sing cheese whz dipp in a fry whoa. whoa whoa I've had trying to simplify. okay but did you enjoy them did you. enjoy nacho no no no no no no no did you. enjoy the nacho fight sure I enjoyed. them but I also enjoy living in a place.

that exists that protects me from rain. and I am right now where I'm headed we. don't know just yet and that's what. you're here for I feel like you're about. to save me for that right can try and if. you know how to listen for the for a. single second of your life I'm hearing. you I'm listening go on go on go on. you're hearing me but are you. like listening to. me I think I am complicated air flow is. making its way over there whether or not. it's being processed is beyond me yo i w. you call me dumb is that what that is.

you're acting a little dumb is that a is. that you're acting a little dumb your. choices are dumb and you're defending. them you're defending dumb choices which. equals being. dumb I feel. like I'm argumentive in certain areas. just because they mean things to me the. Door Des is not is not something that. should happen you're absolutely correct. about that and I'm trying to I'm trying. to explain to you yo. like this is just a hard part of my life. that I'm just like yo like when comes on. the food I'm like okay I'mma eat I'mma.

eat at least I'd rather eat than not eat. are you and that's that's where I just. talked about the complicated air flow. not being computed because I told you. how to eat you said groceries no no no. you said groceries and that's that's. totally fine I understand it yes buying. groceries like I said at one point I did. buy groceries I spent that money on. groceries and I ate that food uh like. around the time when the freeze happened. I bought groceries I bought groceries. freeze uh when it was supposed to freeze. yeah yeah yeah I was I was this was uh. everybody was like panicking talking.

about that it was going to be like you. know super hardcore so I bought. groceries before that cuz I knew I. wouldn't be able to um and I ate off. that for a hot minute and I was like. okay cool um but it came down to again I. ate it all so I was like okay I need to. wants versus needs you're prioritizing. your wants yeah yeah and you're. accepting that you're not willing to. change that not willing to grow up. wasn't willing to change but you're like. acting 10 years younger if I wasn't. willing to change I wouldn't be here. okay then why are you not why are you.

you're you're arguing about every single. second or door Dash there's no point. there's no point I'm not trying to argue. with you it's not an argument per se I'm. just trying to how do I say voice my. voice my thoughts process so you can. understand like yo like this is why I'm. I'm door dashing it's not it's not it's. not a i why but I'm telling you not. you're like but I want to yeah no it's. not it's not a justification I'm not. saying that I I want to I'm going to. continue to are you going to continue. are you going to continue to how about. you saying that no absolutely not no can.

I cuss here yeah oh I said like a. thousand my bad that's okay well good. cuz I mean that's everything I mean. that's not that is not everything but. that is a big part of your thing what. scares me is we go to this chime credit. Builder statement it's these cash. advance at DWI draws um cash advance is. I I owe them money right now um because. I took out money when I was younger and. um chime. uh they're.

basically wait how long ago uh this is. years ago but it's it's something that. I've been having they they keep con it's. basically a bill collection so cash. advance is uh like a loan thing. basically I know yeah and I didn't pay a. lot of money back and um CU I was like y. like now you're willing to change so I'm. not going to dig into the door Dash. anymore because you're willing to change. but I just want to look back in terms of. decision process and not freak out on. you about it but. if we owed them 496 don't you think at.

least one month in your past literally. one month out of the many years you've. been dealing with this you could cut. back for one month and just take care of. this once and for all instead of kicking. the can down the road which is all. you've been doing yeah um I they had. they would contact me for a while and. then they wouldn't contact me so I. didn't realize how much I actually owed. them um I thought I had like paid off. enough of it because they would just. stop like charging me it was like their. uh it was like the how do you say the. loan was getting passed around people. for them to come and find me and I.

didn't know how much of it yeah that it. was you owe them 496 496 you can change. this thing that's been haunting you for. years. 496 you you don't make an incredible. amount of money for the city you live in. but 496 compared to your money man this. should be something that any responsible. adult who realizes it's an issue should. be able to just kill 496 all at one time. um. it's hard it's hard to grasp when you're.

trying to literally like pay off other. things so like like I said when I when. I'm paying it's like 496 you know when. 496 when do I pay it in the beginning or. do I pay it in the in the beginning but. this is my thought process without even. realizing how much money I'm already. spending I'm already wondering where my. money is and trying to figure out where. to where to spend it or where to pay. things off I have no no no numbers. background I have no math background. when it comes down to it like I don't. know how I'm budgeting I just learned.

like an iny biny part of what like. budgeting even is yeah so I'm trying no. I get you and we'll get you there but. but today's the wakeup call I wish I. wish that financial literacy was. taught telling me man so much man like. people actually need this I wouldn't be. in the situation that I'm in right now a. lot of people wouldn't be in the. situation that they in right now they. wouldn't be suffering as bad if they had. a little bit of financial literacy like. absolutely it's ridiculous yeah but let. me learn about all never used once in my.

life. instead yeah $359 26 in collections. what's that for um why have we not paid. again this is such a it's not an. insignificant amount of money to you but. for where you are and what you make this. is something that a responsible adult. could buckle down and take care of but. something went to collections and it's. just sitting there what was it four I. don't even know you don't even know what. it's for I don't even know I pull up. your cred Karma you have Credit Karma. pull up your credit karma let's.

see I know your car is on there as well. at least my credit score ain't that bad. I don't think what is it uh like it's. almost 600 oh that's not that's not. that's not really bad. right it was like 5.99 I'm getting there. I'm trying to figure it out sir what's. what's your credit Square it's close to. 800 now hey you'll take a loan out for. me that's a really cool shirt. thank you link in the description.

below didn't even tell them to say that. credit card usage is. 104%. 104% you only supposed to use some 60. right or something like that zero would. be Preferred Card usage no no no no you. just never hold a balance yes it'll be. randomly reported in a moment of okay. you have a certain percentage but in. general what I'd want to see is go. closer to zero three counts let's see we. already went over. so the only one must be a card uh.

whatever the stride bank is is like zero. I don't know what is that stride oh. that's a when I worked for Uber they uh. they gave me a a stride account it's. there nothing there. okay the car that is non-existent cuz. it's ruined 4,474 at what interest rate. ah damn that's a tough one uh it was it. was a low in uh I got it with my dad at. the time yeah but what's low.

uh or or like8 or something like that. yeah it's not yeah like no it's not I'm. pretty sure that it's it was something. super it's something I I could never. have it by chance what's account uh his. car yeah because that I I would doubt. what's your minimum monthly payment um. three uh what is it like I think it's. 340 if I'm not mistaken yeah yeah going. let them take a look and try to find. well actually I might be able to.

see uh he and his dad yeah me me and my. Dad hey Dad yeah you didn't send us the. statement so oh okay we can't do things. without statements and trust me that. gets real weird in here got you we'll. get there I don't believe you're on the. interest rate I can text him real quick. and ask him he'll respond really fast. will he know yeah I mean it's under his. stuff so honestly maybe he just had. really good he had really good uh really. get credit I know but then you would. affect it cuz it's on your credit as.

well but it was in like the best. interest time so it's possible okay. $252 in our chime checking account yeah. and this is where they're not having a. car thing Uber twitch you're supposed to. be making money off of twitch you're. going and spending money on Twitch. support the homies support having over. your head support the homies support. they do that's the thing about it that's. another reason like I mean they they get. $100 um but it's there's so many people. that there's other things like people.

are like uh subscribe to me on like Kofi. and stuff like that like they they. support me in that way you didn't tell. me that for your income how much you. make off that uh it's probably like 30. bucks um great I didn't know that that. mattered my bad but um it basically. doesn't vigilante gaming group $13 $13. vigilante gaming group uh oh um so. for uh my friends took me to a game bar. here in Austin your friends took you and.

then you spent money uh and I I split. food with them yeah I was like you know. what I'm saying you pay for SoundCloud. you pay for that was an accident that. was an accident um I was I was using. them I was using the the free they give. you like a free you know like month or. whatever and then it's and then it. charges you and I forgot to take it off. cuz I was practicing DJing I'm trying to. a DJ I did after that one those I can't. charge it back 40 bucks door dashing. then there's an Uber trip and there's.

your little water there's your water. there's your Uber. trip D2 management $56 okay so that's me. paying off the uh the loan thing so they. got in contact with me and I just. started oh no so sorry the jetty thing. um what what are you talking about so. Jetty is from my last apartment um it's. like an insurance for the yeah I'm I'm. what how much do you owe let's and who's. it to it's the last Department's.

Insurance yeah it's like a Jett is like. a insurance policy thing that they they. hold for uh for your housing or. something I don't I don't know I just. how much you owe 400 and and that's the. minimum monly payment uh yeah the. minimum is the the 50 that they're. charging me yeah damn I'm getting. cooked but you see like all these bills. that are that are just coming from which. and which direction and I don't know how. to handle it I'm just like hey I'm I'm a. c ceman you get it cuz what what is that.

they're caveman feet I'm shoes yeah. they're shoes they're they're cool yeah. you're an interesting one you know what. a Dey is a dudy Dy no like a doag you. bought you bought a dag yeah no I've. never bought a dag Amazon you passed the. test goe okay uh sending out $40 Apple. cash another Uber trip Roblox premium. what do you w wo W wo wo wo wo w whoa. whoa whoa the Roblox thing again the.

Roblox thing was an accident I didn't. even realize I was paying for Roblox uh. I bought it from my little cousin um so. he could use that account cuz uh I was. like okay cool like I can use it for my. little cousin and then I use it for the. kids that I teach as well I need you to. track this monthly basis man I didn't. know it was this is like the how many. times now I was like oh I didn't mean to. do that that wasn't supposed to happen. like we can't just keep doing that over. and over again you need to check on a. monthly basis sit down do your budget. take the budgeting program get yourself. actually fig out like the thousands of. people who've taken it okay steam.

purchase snack time we're back Uber. trip water Uber trip Uber trip. tacos water Uber some Google Bill the. the steam Uber Uber. Discord Nitro nitro's. clutch when you own everything's great. and there's nothing wrong with any of. the purchases we're doing Amazon Apple. subscription Microsoft subscription door. Das. $128 a door Dash what the did you.

possibly get oh uh did you possibly get. that was the the heater thing I'm pretty. sure no no no that was groceries the. that was groceries that was groceries. that was groceries you check out. probably a better delivery service than. that was groceries that was groceries. was it was it that's awesome dropbacks. Fiverr were're paying. people yeah door Dash Uber Uber. there's your D2. management $56 a month or $56 twice a.

month it should be a month okay wait it. might be every two. weeks damn I didn't think about that it. is every two weeks huh they don't think. about much think I I have deep thoughts. I snack spending more money twitch I'm. going keep going Cash Out wow $380 oh. that's your rent you do that twice a. month though right no no no uh for rent. I take it all like literally like the.

day before like a couple days before I. take it all out water water water water. neat dude neat dude so neat dude. actually uh I like your energy I just. wish you were better with your money. Uber trip they send me a cool rug so. that's what the KN dude is the KN dude I. got that money back that's not that's. nothing Uber trip Uber trip I get water. Uber trip what I can get you a rug you. do I have rugs. Amazon Uber trip Toll House like cookies.

$70 Toll House Cookies it's Toll House I. don't know it's toll housee toll house. what tell me you spend $70 there $70 is. a lot of money to you so you better know. what it is I think that might be Ross. kill me now I think that's Ross actually. Ross I see Ross later in these. statements Pizzeria Shakespeare's Pub. fantastic most ridiculous statement I've. ever seen in my life you think anyone. can read this why did it come out like.

that if you should know how it looks you. sent it to us yeah but it was supposed. to it's supposed to be in white if we. request the statement if we request the. statement it means send a statement not. screenshots I thought I was being. creative too that's so silly of you what. the hell was I thinking super silly $280. ATM cash withraw now what you do is you. pull from your savings you pull from. your savings to have money in your. account and you don't even have any. savings I I really don't have any. side and then you so chime automatically.

makes the savings for you basically but. the way my check is split up you just. pull from it so great Uber trip I know. how it works Uber trip Amazon Uber. trip what are you doing what are you. doing why are you at this table because. I want to get out of this situation do. you I do I do you're going to have to. prove it and show me door Dash there's. your Ross. twitch uh I SP two bucks so in in.

reality um the Ross situation I didn't. just spend $2 at Ross um I spent. like maybe 70 bucks at Ross that day um. okay I really like clothes a lot um you. like a lot of things I do I do it's part. of my personality um the dress you know. I like to dress nice I like to look can. I introduce into your personality this. little thing called responsibility yes.

you can thank you so much I appreciate. it heard about it am getting into it but. I'm going to responsibly try and look. good too you're wearing something from. the Matrix sick. right you don't like the Matrix it. better keep you warm under the bridge. you're going to live under oh that was a. good one um door Dash Uber trip water. Uber trip grle games Uber trip door Dash. Uber trip water Uber trip Uber trip Uber.

trip Uber trip water Uber trip sending. $54 okay so $54 is because we pay for a. storage in Houston where the rest of my. stuff is at oh my gosh um Uber trip door. Das Uber trip Uber. trip some uh oh pavement you went to. yeah that was my first time going to a. thrift store here it was fire by the way. and I got some pretty cool pickups so. yeah you let your money on fire it's. awesome $496. out for. insurance twitch you spend a lot of.

money on Twitch I can't I can't like I. can't really express to you what it is. to buy clothes cuz I don't think you. have like a like your style is like I. just wear clothes cuz they're a. necessity yeah see no that's that's that. don't that don't make sense to me at all. like well I need to start I would love. for you not to be out on the streets. naked but you know what I'm saying style. is a part of Personality too I'd be cute. naked I'd be fine that is a wild. statement to me I'd be cute naked yeah. like you can put me out there it' be. great I'd be cute naked that's what you.

want to run with I'll go with it I'm. bold I stick with my statements I have. confidence say you be on the street. looking sexy and you hit the flex but. I'm just saying so like clothes wise. person clothes is a part of my. personality so I I'm investing in. clothes is like investing in myself. that's really cool I just don't want. homelessness to be a part of your. personality it won't it won't that's. what you're here for you're you're. jovial you're happy you're a silly. little love and that's awesome I'm so. happy for you congratulations I'm sure. you be pleasant to be around other than. calling attention with your outfit to us.

even though I'd rather be discreet in. public that's fine but I'm sure you're a. fantastic person. Brown give a I do I do you are not. indicating that in any way whatsoever I. just try to add a little bit of. positivity to this spin because I know I. know you're upset with me this world. this is real world this isn't trying to. sprinkle little rainbows this is just. the real world but the real world if if. I did maybe if you accepted the real. world at any point in your life you. would to be in the I do but if I did if. I did as hard as you want me to I.

wouldn't be here what do you mean you. don't understand bro like is heavy this. hard for me I'm living this this is hard. for everyone this is hard for everyone. but I'm telling you right now bro like. do you see a therapist no I don't I. can't afford where can I afford to do. that you make no money you make where. can I afford to do that make little. money you would qualify under the. Affordable Care Act to take insurance. that is a very that would be basically. $0 on a monthly basis your co-pays they. would be sh they would be sh but guess.

what with where your money is going you. can afford it and I think that would do. better for your future and I actually. whatever I don't care what you think I. actually do care about your future that. would go so much further for your. longevity and happiness in life and. actually recovering through bad things. that you may have gone through I don't. know you haven't told me uh and it. doesn't matter but that would actually. go a longer way to giving you a better. life than just spending it on crap man. if went to co-ace for. therapy.

lifechanging I didn't even know I had. never even known that was like an option. like no one's ever sat down I I I left. my house at 18 years old paycheck to. paycheck thing like this this thing has. been with me since I was young like I. don't know anything I don't know money. management at all so like me I'm I'm. trying I'm trying so hard and I know it. doesn't look like it per se but like I'm. literally trying so hard to like figure. out how to to manage my money better. like I said I wouldn't be here if I.

didn't care but okay this like if I. really sat down and I wasn't I wasn't. myself I wasn't I wasn't trying to add a. smile to my I'm when you say I'm not. coping I am. coping my jokes me Mak yeah but you're. saying like you think you think I'm I'm. I'm I'm laughing because like oh like. haha this is a joke like this isn't. funny if I didn't laugh i' I'd be. sitting here balling bro like I know. that my situation is I know that is okay. and prove it in your actions man this.

conversation just a limited part of it. this conversation is just a limited part. of it I like to call The Awakening of. the insanity that a lot that everyone. goes through before they come on the. show I need to call their out and now. what you do in your actions prove to us. that you actually fix it and I will eat. my man I I'll eat my words bet on it. okay and I promise you I will I will I I. I I'll I'll change all this stuff is. going to change now I promise I put that. on my I put that on everything I put. that on my son like this all will change. you have a kid I have an 8-year-old okay.

yeah and so I I that you you're like. with you you me hanging um no they don't. so my son is. actually in in uh in my home my hometown. so he stays with his mom and um and I. give you know I basically try to give as. much money as I can to help out cuz he. has you know he has other uh money. coming in from like the government and. stuff like that as well uh he has. special needs my son has uh has uh. he has Down syndrome um and uh they the.

government helps out a little bit here. and there with that so do you have child. support dues no I don't I don't no um I. just give like C as much as you can yeah. as much as I can basically not as much. as you can but as much as um yeah and. and just go about it that way but um I'm. lucky enough that like they like don't. need a lot of money it's just me being. there so like again I I was taking when. I lost my car I was taking trips and. stuff there like taking the bus there as. much as I can so that's more money I. have to shovel out.

like why are you here why are you in. Austin um I came to Austin because. originally I wanted to do more content. like I uh actually got my job here. teaching and then I wanted to do content. here I wanted to try and apply for like. somewhere where I could do like more. content and just I have a couple of cool. really cool friends here that do content. as well and I wanted to be closer to. them to do content as well and uh just. how's it going it hasn't uh it hasn't. panned out that way are you considering.

moving back um no I'm not um I'm good. with you coming out and making the dream. possible but before anyone does that I. want them to get out of the bad interest. debt and I want them to have a fully. funded six-month emergency fund at a. minimum that's when you take the risk. because right now on we jump ship um it. we jump ship like randomly and we. thought we had things situated with like. uh an apartment here and stuff but. things just kind of fell through so.

um when I got here I I didn't even have. a place when I got here I I had already. I've been i' live I've been living with. a friend that I met online yeah and I. stayed with them for about three months. and then gradually I got my own room I. got to the point where I got my own room. okay um well I know you talked about and. you said you wouldn't be here without it. but I just want to be clear and I'll. just say one more time that stuff is. fine that stuff is exciting I want you. to have all of that I want you to have. all that you get more of that man you. get more of that if you.

just sorry I was getting worked up all. like it worked up easily can you tell. yeah you get you get pretty steam pretty. quickly I'm just you was talking about. therapy for me do you go to therapy yeah. therapy is great that's what I'm talking. about th is fantastic helpen my anxiety. and it's made me a lot better person. over the years um no I have a past it. sucks but work and grow Beyond it and. you won't be judged for this situation. right now a year from now if you. actually take the actions and steps to. make your life better um but that's all. great and you can have all of this and.

so much more if you sacrifice. temporarily temporarily because your. debts not extreme if you sacrifice. temporarily to get out of bad debt have. a fully found emergency fund start. contributing to retirement in a way that. gets you set up for life if you do that. man all of a sudden the percentage of. your income that you can actually start. putting towards the things you want. becomes so much more substantial you get. to have so much more if you sacrifice. now and it's so worth it I'm willing to. do that I'm willing to do that except. for nacho F but I'm for the most part.

I'm I'm that's a joke please please no. but real what's talk yeah that's a joke. goodness I was about to just die. Microsoft some you must have went to San. Francisco. recently now there's a payment something. out of San Francisco I can't tell what. it is cuz again not a statement okay so. what if I okay all right so let's Okay. nacho fries okay oh my gosh just hear me. out so nacho fries has a really deep. lore in Taco Bell. that's that's what if I want to be you. know what I'm saying I just contribute.

myself to Taco Bell Nacho fries just. like on go work for. them I am I'm trying to be like in a. Nacho Fri commercial no nacho Fri I be. like nacho Fri go be like a manager n. you make more than you're making now. really yeah dude people start off what's. up with the education not being paid as. much in this never mind go ahead go on. you have a degree in what you're doing. no I certific education. I feel like working education is it. should be getting paid like way way more.

than I than I see well I mean it is what. it is we we can all say I wish I wish I. wish but you could go make more money. somewhere else if you're a hard worker I. know you. could all right I'll give you that I. mean people start for like 15 bucks an. hour doing a cashier job at T Bell in. Austin Austin I have tried applying to. get like a second job like I didn't mind. like yeah you know just trying to get a. second job and just nothing nothing hit. HS it's hard to actually get a job here. like my I don't know my Ros um literally.

like even just bartending or I for uh I. applied for requires a lot of skill I. will apply for Walgreens like cashier. stuff like that and nothing nothing hits. like M any of the service based I. haven't done any service ones yet try. service that's in high demand in Austin. still if Austin can't speak for everyone. where everywhere else but Austin has. never caught up to where we were pre-. pandemic in terms of service based jobs. they are still like I swear you just. walk into any restaurant that serves. food and it's like a neon sign it's just.

like please work for us please might go. work talko about. it uh yeah San Francisco things I don't. know what it is whatever okay Amazon and. some door dashing so classic $19 in. Capital. One water Uber trip Apple cash is very. repetitive Amazon door Dash door dashing. wall. grains uh I think that's the heat apple. yeah apple cash sign out steam purchase. water Amazon door Dash Jesus door Dash.

and $30. burritos this again this is why we. request statements please listen to. instructions let that be an example for. you in your future I can't see what any. of this is because you did not sent a. statement and this is impossible because. this if we had the spreadsheet we'd move. this line over so that we could actually. see what it is they're just debit card. purchases and I don't know I think. that's from cash app so I don't think it. does tell that's not your cash app this. is this is another cap this is February. Capital One February Capital.

One and then this is Cash app which is. mostly just rent and some sending out. monies and getting monies and stuff like. that chime the savings $5 why is it $5. because whatever money goes in. immediately goes up okay anything else. do you have anything else or is that it. um no I think that's I think that's it. that's the hard part you see like I. don't even know how much money is. actually going out like oh I'll tell you. right now fun uh interesting how that. works 37.7% of your spending.

$1,557 goes out to Transportation mostly. Uber who wait wait wait wait how much. $155.8 2% goes to necessary food that's. known as going to a grocery store and. getting groceries food going out to eat. $964 65 mostly from food delivery. unknown shopping that's usually Amazon. Walmart Target cuz you never really know. what's happening that is 8.3% of your. spending or $329. .94 putting money into savings mind you. this is money that went to savings when.

was immediately taken out so it doesn't. even really count 5.7% or $227 52. subscription $76 69 or. 1.9% yep U miscellaneous is going in. getting your uh water which you could be. getting so much cheaper so much cheaper. youing breid a filter and get a water. bottle I know you don't want it I don't. care if it's. want 6.5% of your spending or $258 13. large PCH purchases $580 And1 or. 14.5% those large purchases are like the.

management thing okay um some. transferring money out cash app out ATM. withdraws and apple cash out okay then. your phone was. 1% shout up my mom. um damn can I see that damn it's an. understatement because. spending uh was almost $1,500 to.

transportation is Bonkers you had uh. from the place that you work you had. $3,349 come in you following along I'm. listening. 3,349 came in you spent. $369 you spent more money than came in. which is not a shock based on what we've. seen yeah so yeah I don't think you. manage your money well well thank you. for for for pointing this out like again. I've never had the opportunity to just. like see it all in front of me it's what.

I do well that's why I'm here so like. I'm here for you man it's tough love it. it hurts but fun fact actually because. uh most everyone's from the audience. you're not um but you're a fellow. Creator uh so we wanted to work with you. but either. way on average within once people leave. this. desk uh on average in within seven. months people have paid off $85,000 of. debt that is amazing yeah that is.

incredible and everyone that came on. people were like what were they doing. before maybe they would have paid off. the same amount of debt well everyone. that's come on the show before was. literally just building up thatb there. was not a single person that's made. progress before the show so I don't know. weird thing to say but guys it's a new. year and you need to make your money. work for you you can do exactly what I. literally do right now and put my money. in the best high yield savings account. soofi I get a 4.6% yield on my money and. I also took advantage of the bonus of up.

to $250 when I signed up you can start. 2024 off Amazing by doing the same by. going to the link in the description. below so that's exciting so there is. hope you just have to put action behind. it let's get your buget total income. we'll do the. 3,349 that came in last month wonderful. plus 100 from twitch yeah is that pretty. much guaranteed MH okay yeah. shout out the community your rent on a. monthly basis right now it's 700 but.

it's I don't know what it's going to be. I'm going to put it at a th you're. likely going to have to do a thousand. Okay. Internet uh I'm going to put that at. like every well 700 is everything like. okay well at this new place I don't know. if it's going to be baked or not yeah. I'm going to budget you're going to get. and you're going to hate this as someone. that needs to stream I'm going to put it. at like 35 bucks what that is like. Spectrum or. something yeah okay so what if okay so.

I'm I'm trying to I'm trying to take. streaming seriously and grow as as a. streamer which we go in and we do when. we have a fully funded emergency fund. and no bad debt we take care of adult. responsibilities first content creation. to me. is something that I want to be a part of. my adult life so there's a lot of wants. you have that's awesome you got me yeah. all right nah I I can't like I I have to. I have to have better internet I have. I'm not giving you 50 down 50 up man.

okay that's cuz that's what I'm that's. what I'm that's what it's s like I'm not. like inhuman okay all right okay okay. okay I thought you was put me under like. I'm about to be 35 but you're not. getting you're not getting fiber gig gig. fiber no no I don't I don't even have. that now okay cool. cool fo I was scared I was like damn nah. bro don't don't cut my streaming rest of. utilities I'm doing 150. okay r Insurance on doing 15 get it you.

need. it phone you don't take care. of okay all right right yeah yeah well. so I pay 40 I pay I pay like 40 bucks. for my for my phone it's in the 380. that's that's being dipped out to Via. cash. app so I send it along with my car note. 40 but you could do something like. helium for like $20 a month um I'm. pretty sure my my your phone's finances. yeah like they're like paying it or.

actually I think my mom's probably like. adding like she's like paying half of it. or something with me as well just being. nice let me get you minimum the debt. payments. $175 66 cents might sound like a lot of. money it's like the least we've had on. the show you are in such a good position. you have no idea the income could do. better and I know you could do better. because you're not making much for the. area so I know you could do better um as. long as we build out your resume and. make it good Bonkers that makes no sense. the car insurance is wild $496 70 they.

hate me well or you're just not. responsible and you didn't have. insurance and then you got in a car. crash one or the other which one is it. we'll never know um I have been in a car. crash but I wasn't at fault um yeah but. that's according to you ACC I believe. you but according to who according to. when I did have insurance the reason. like that it it go they always want the. other person to be fall immediately yeah. they'll push for it and then they'll. negotiate and then it.

gets it does um but like that I ended up. getting paid off for that and everything. oh monthy debt payment's. wrong because the zero I wrote after. your car. payment did not make it down on my paper. so I need. to that makes much more sense yep now. your Deb's not great. $475 65 is your minimum monthly debt. payment that mug is hard too yeah nice. nice look at the description below.

$300 for groceries $100 this is called. toilet paper fund the TP fund what it is. is everything else you need to survive. this is just the any extra yes. absolutely gotcha you have uh well. ongoing medical I would love you to go. to therapy that'd be awesome that would. be great check out the exchanges I don't. know when open enrollment is okay you're. at 40 hours a week though ye so you're. offered Insurance yeah um I just don't. have I haven't gotten a chance to go and.

access anything I don't know like what. do you. mean I've never used. like from my from my job like that I. have I I literally ask them so like even. for like my I care like these glasses. are not the best glasses like I I'm not. doing well with my glass my I don't know. what to put for the therapy yet we'll. figure it out and you'll put that in. when she taking the budgeting program. and you have that thing figured. out I'll give you the Discord but that's. the only sub destion you actually need. right cuz you need that for your Twitch. thing yeah yeah I can I I can I'm pretty.

sure I can cut it I can cut it okay 0 to. subscriptions almost allowed that I'm. getting soft I'm getting weak no more. Netflix there's nothing on there shout. out whoever's paying for my Netflix. right now anything else you need on an. ongoing monthly basis obviously not gas. right now I we need to well we have to. budget okay how much did you spend on. ubering a lot. I would want this uh small claims. dispute to be settled or I mean decided.

soon I can they'll offer me to pay like. a smaller. amount sometimes like all I know is just. spending $700 a month in Uber and that's. Insanity like we need to send your thing. to the junkyard get another or or hear. me out hear me. out let's Sue this guy that's that's. that's my plan I don't know any of the. legalities around this so I can't feel. optimistic or not around it I'm.

indifferent talk to someone who knows. what they're talking about when it comes. to that anybody know a lawyer holl at me. not for Oh I thought you were asking me. okay so I have to put I have to put $700. a month for Uber right now like I would. rather you get like a $300 car payment. but I still hate that that's not good. either you'd be getting a long term it. sucks um I might be coming up on a. vehicle then your gas goes up what what.

does that mean um somebody offered me a. vehicle they just said I have to fix a. certain part with it like it still goes. it just it just needs like a it needs a. repair so I don't know how much the. repair is going to be I got to take it. to see how much the repair will be so I. might get my car get a vehicle back in. the next. month so cuz looking at this is bananas. like that makes right now with that $700. you're basically break it even on a. monthly BAS. what you need to survive is. $3,312 35 with your new rent and this is.

your minimums this isn't going out and. getting that this isn't getting door. dashes $300 a month on groceries $100 on. Essentials so that's you breaking even. which is the basics yeah with everything. I just listed out with the budget we. just built you're going to build a more. concrete this is like a idea of a budget. you're going to build out a concrete. budget through the program but this is. the starter kit basically yeah. essentially okay I I would love you to. get more and what's your certification. um I'm in RBT registered Behavior. technician okay that's good is that what.

you want to be in is there any other. interest you have other than social. media I know. uh I want to be a. DJ okay it's to my series stuff cool DJ. is series all right fantastic so um what. I'd be happy to do is I'm happy to do. for every guest if you can find. something this is a tech City if there's. something in Tech you'd want I'd gift. you a certification through course. careers I partner with them they're. really good they're great for Tech. certification and I'm happy to gift you. one so look into that but right now you.

essentially it's always easier said than. done but whether this is working more. hours the hours you dedicate towards. streaming I don't want you to give up. but you might have to give that up and. go work at McDonald's for now because if. you just one second if you bring in an. extra $500 a month literally just an. extra $500 a month which I know for a. fact you can do in this town. man you pay off that apartment in one. month the capital 1es paid off in one. month the Chimes paid off in one month. like collections is paid off in so all. of that crap except for the car is all.

paid off within 2 and a half months. total two and a half months total man. all the you've been kicking down the the. can down the road for years and years is. literally taking two and a half months. if you sacrifice for two and a half. months go work a little extra job that. no one wants to do let's be real but. you'd be willing to do it cuz you're. sacrificing then the car man you can. take care of that in 8 months8 months. you're out of debt in less than a year. you're out of debt in less than a year.

and that's with you ubering every single. day imagine what it is less by having a. car payment and then you try to pay that. off as quick as possible maybe you're. out of debt in a year and a half it's so. great then you can start investing. because you have 0 invested in 29 which. makes me scary you start maxing out tax. advantage accounts then you can start. buying index funds or whatever that's. not investing advice but you start you. can buy what you can invest and there's. great platforms I use Mumu personally. they're really good but then you can. also open tax advantage accounts on. other platforms as well um so there's a.

lot of exciting things and I'm excited. to have that conversation with you at. that. time it is not that time but you need to. get there and what's so scary and what. we haven't even talked about and we. don't have time to talk about it. unfortunately is. that I'm terrified for your future and. the fact that you'll never be able to. retire and what happens if something. happens you can't rely on disability. it's not enough to live in a town like. this so if you get hurt or something. happens what are you going to do you're. never going to be retired you're going. to be working in your your 990s to be. able to afford rent because you never. saved up enough money to put a down. payment on a house you're just scraping.

buying on a monthly basis because you're. not doing the responsible things you. need to do now which is about 20% going. to your retirement but you can't do that. till all your bad debt is gone and you. can't and you can't start investing. until you have a six-month emergency. fund so this is probably a at your. current state a 2-year process getting. rid of this debt if you go make an extra. $500 a month and we're able to get the. ubering down by getting a car payment. then you have to pay off that car so we. include that in this process trust me I. know this is going quick we're going to. walk you through this more than just.

this video no no um but if you do all. that in the six Monon emergency Fone I'm. thinking like two years two years you're. 31 you still have your second best. decade of growth for compound growth. investing letting it grow on itself you. still have the second best decade of. your life to do it you could definitely. retire with like a million bucks man I. know you could do that which sounds. crazy sounds crazy and is that enough to. survive by the time we retire probably. not Social Security might not exist who. the knows but we get you to a point. where you have a chance of survival. whereas right now you have zero zero.

chance of survival and that scares me. because you're a human being that. deserves to live a decent life but you. have to sacrifice for. it I took a the reason I'm not getting. paid I could be getting. paid roughly 25 $26 an hour I took a pay. cut because the clinic that I'm working. at is a smaller Clinic it's it's a mom. and pop CL clinic and. I took that P because I told myself that. I would work hard doing content creation. to make up for that I didn't realize how.

bad of a situation I arrived here any. okay so I'd say we go make that more. money now and then you have the choice. to give back like you are now once we. have a fully funed emergency fun and. we're out of debt weird okay you can do. that just not when you're dying to do. that when you're suffering to do that. you give back when you can at minimum. take care of your basic necessities so I. love the heart of it but you do. matter any final thoughts well actually. before you do that let's get your Hammer.

Financial score so our financial score. this is what we rank People based on. five different categories spending in a. budget all the door Dash and everything. it was absolutely ridiculous it's going. to be a two out of 10 because at least. there was things being rounded up going. to savings but then you took it out so. actually never mind that's going to be a. one out of 10 damn no that's really bad. your debt it's not even close to the. worst but there is collections what does. unfortunately according to the rules. make it an automatic zero out of 10 oh. didn't have collections you'd be closer. to about a four cuz it's really not the. worst debt they're not good debts the.

individual debts but you have two things. in collections cuz you have the. apartment thing so it's definitely 0 out. of 10 emergency fun you don't have. anything 0 out of 10 bad retirement you. have nothing 0 out of 10 real estate you. have nothing 0 out of 10 Hammer. Financial score 0 out 10 make sure to. check out all the resources Linked In. the description below as they are what I. use or would use in specific situations. including the best budgeting program in. the history of the internet that. thousands of people have taken and. changed their lives thanks to all of our. patreon producers for making this. episode possible if you want to. participate in an episode of financial. audit and you're able to make it to.

Austin Texas please fill out an. application in the survey Linked In the. description below you can also send a. link to your friends or family who you. think might be good to be on the show if. you have any questions you can email. casting cop hammer.com.