Debt To Nut And Won’t Stop | Financial Audit

He did her dance and she was like, "You. want to tell him?" I was like, "Let's do. it." So, we in the club and way. So, I. pay for my ex-girlfriend's business. She. doesn't talk to me. So, what do I do? I. go blow 700 at the bar. She has a. boyfriend. So, she's like not even. answering my messages. So, my friend, my. name is Jordan. I'm 31 years old. I'm. from Houston, Texas, and this is. Financial Audit. What do you do for a living in Houston? It's a good question. Um, okay. Wow. I. start them off with bangers, ladies and.

gentlemen. Like, what do you do for a. job in a finance show? I know, right? Um, so I have three jobs. The first one. is a full-time job as a software. engineer. I work in a government agency. Um, that's 40 hours a week. Um, okay. What do you make doing that job? So, that job I get paid 119,000. and uh I think it's like $218 or. something like that. Um, yeah. And then. uh my second job, I am a cons a computer. science instructor for a community.

college in Houston. Uh that's part-time, so I work on average 15 hours a week. Um. and I make $44 an hour uh doing that. job, but only like But that's not every. week forever though. So that's like. semester wise. Yeah. So the classes I. teach I'll actually get into it in a. little bit, but I'm going to move that. mic close uh further from you. You're a. little yeller. That's okay. That's okay. Keep yelling. You're good. Yeah, I was. like deep throating it. Um Um Yeah. So the classes doing that to.

your students. It's all good. Exactly. Um yeah. So I I'll get into the classes. in a bit, but my classes are year round, so there aren't really any semesters. Oh, okay. Yeah. Yeah. So I mean there. are breaks for like the holidays and and. that. But probably an extra 2,500 a. month then. Yeah. Could be a little more. than that. I was trying to be a little. more conservative. Yeah. So, the thing. is I can work up to 19.5 hours, but then. there's some weeks where I will work um. like 12. So, I just did like the average. of like 15. Okay. So, and what's the.

third? So, the third job, this one is. kind of seasonal. So, um it's a it's a. computer science instructor position. Um. except this is for a company. Um I teach. a class that's 10 weeks long. It's once. a week. Uh, I work four and a half hours. a week uh during those 10 weeks and I. get paid a I get paid $95 an hour. Are. you in that right now? So, it ended in. uh April I believe. Okay. So, what we. have for your payroll that hit your. account is. $8,95. Does that sound about right?

Yeah, that sounds about right. Yeah. Okay. But sometimes it's a little more. Yeah. Yeah. Sometimes it's a little more. for sure. Have you ever heard of this little. thing we like to. call lifestyle. inflation? You heard of that? Have you. heard of that term before? Is that term. ever scratched your brain? Yeah. No. I. mean, from context clues, I guess I I. know what it is, but like I don't know. I've never heard of it. Where'd you say. you're from? Houston. Interesting. How'd. you get here today? Flying.

H Yeah. Yeah. You know, we looked up. your car and everything right before. this just to get a little idea. It would. have cost you like 40 bucks of gas to. get here. Yeah. You know what? Let's. let's. just add add in some snacks. Add in. some, you know, uh maintenance and depreciation on the. car. Okay, sure. 60 bucks, 70 bucks. Spent 350 bucks on a plane ticket. Yeah.

Now, your flight was short, but there. was also airport time, and there's going. to be airport time on the way back as. well. And there's airport time on both. sides. Yeah. Why do you fly? Because. also, just spoiler alert, it's a big. packet. You make a lot of money, but you. spend like you make double the money. You've lifestyled inflated yourself into. oblivion. We haven't had an higher. income person in a while. And it's. interesting because you're doing exactly. what you're not literally what you're. not supposed to do. So, first of all, just why did you fly.

here? Okay, so because of my job. essentially, like I couldn't um take. that much time out of work, right? So, from Houston to Austin, it's like a 2. and 1 half hour drive. Um and then I. have to rent a car um and then I don't. drive back. So, I own a car, but it. probably wouldn't make the drive. What. is it? It is a 2003 Honda CRV. Has. 280,000 miles on it. So, Okay. Yeah, that's interesting. Okay. So, the rental. would have added to it. That's so I mean. I think driving is probably the best.

choice but in terms of like was co uh. what's called cost opportunity or. whatever like or miss cost I don't know. what is did you gain an extra 30 minutes. of work uh like it couldn't have been I. g I gain like an hour and a half I think. the issue more is with the time at the. airport on both sides yeah because I got. TSA pre-check I just like fly in and out. and. um but yeah I mean I just I need to be. present right so like if someone I drive. to the airport too so there's time for. parking and but go ahead. Yeah. Also, like I am a member with United, so I get.

points. Yeah. Yeah. So, yeah. So, that's why I flew. Um, but yeah. Do you find yourself just. spending money without really thinking? Yes. So, I blow a ton of money on food. That's like my main thing. I have no. idea how much money I spend. Um, yeah. It's a It's bad. So, you're a skinny. boy, though. Yeah. Just have the. metabolism that all of us dream. Exactly. Yeah.

Okay. So, self-evaluation. Zero being the worst in. financial history, 10 being the best in. financial history. Where are you on the. scale? What's your score? Uh um I would. probably be like a a one. I would say a. one. I'll I'll give myself a one. Yeah. Okay. So why do you think with such. strong. income, how long have you had such a. strong income? Yeah. So that's a whole. long story. So um I I'll give you like.

the I'll give you a little uh synopsis. of it, but like essentially um I didn't. go to school um for computer science. I. studied some other thing um which I have. a lot of student loan debts because of. uh that degree. But any case, um went to. a boot camp later. Um and then. transitioned into a career software. engineering. This was in 2021. So, um. prior to that, I was unemployed, undermployed. I wasn't making any money. Um was living off of student loans and.

like living with my parents. Um had a. lot of anxiety issues as well. Um which. I can talk about later. Um but in any. case, um was able to kind of steadily. like get better jobs. And then I I ended. up getting a job at Coinbase, which is. like a crypto company. um was working. there for 9 months. I was a contract to. hire um employee. Uh the crypto market. crashed in 2022. The financial situation. in general just uh wasn't well, you. know, around the world. So, I ended up, you know, leaving Coinbase. My contract.

wasn't converted to a full permanent. position. Sure. Um and yeah, I was. unemployed for like a year and I was. like at an emotional low and you know, they could definitely take a big. emotional hit. Why were you fully un. like I did you get unemployment of any. kind? No. Okay. Um. and that's because you were a contractor. but your contractor didn't get renewed, right? But you weren't let go early, were you? No. No. No. It was just a. contract ended and then they they didn't. want to convert me. Yeah. So, and a year.

a year of nothing, though. Like I'm not. saying you would have landed the best. job in the world immediately, but why. nothing for a full year? Yeah. So, I did. work part-time actually. So, I reached. out to like the community college that I. work for and I was like, "Hey," because. I had interviews lined up at some. companies and I was like, "Hey, I just. need to meet make ends meet, you know, while you know, all this stuff like kind. of plays out." And they gave me a job as. a teacher and the classes I teach. actually is for Apple. Um, Apple has. partnered with us. Um, they've given us. like millions of dollars to teach these.

like coding and technology classes at. jails around Houston in hopes of. reducing recetivism. So, um, so how long. have you been making this amount of. money? So, yeah, back to the original. question. Um, I started this job in. government back in January of this year. Um, okay. Yeah. Then I know they haven't seen it yet and. we're about to jump into it right now. What I see is very concerning if you've. only been making this income. temporarily. Yeah. So, we have we're. going to start with a card that you. didn't spend on, but it has a outrageous.

balance. You only paid the mineraly. payment towards, which is ridiculous. Again, spoiler alert when it comes to. the spending that we're going to see. But we have a Bank of America. card. Bank of America card. Paid a. minimum monthly payment towards it. You. brought it down to $12,911. That's. insane. It's an insane number with. $282 of interest, which is crazy. And a. $48 minimum monthly payment. How is this. up to 12? How is this up to is basically. 13,000, which the total credit line is.

13,700. So, this was basically maxed out. and it's still very close to it. So, how. did we get it this high? Yeah. So, this. card and all my other cards, they were. all maxed out at one point. So, whenever. I left Coinbase, emotional low. I didn't. know what the I was going to do. Couldn't get a job. And I did the maybe. not so smart financial decision. And I. was like, I'm going to go travel and I'm. going to live life. Travel. So, we go. from income to no income and we go do. one of the more expensive things. Yes. H I definitely get there's a big.

psychological level that happens on in. unemployment. Like people can really. get destroyed like ego, not just that, but just like it's just every emotional. stability. Um, it can really get hit hard. And then. like even having a hard time finding a. job can also, you know, hit that really. hard as well. So, I get that, but we. then maxed out our credit card spending. or traveling. That's like the last thing. we'd want to do. Yeah. No, no, it was.

awful. I mean, um, I, you know, burnt. through all my savings. I had about like. $13,000 in savings. Maxed out of all my. credit cards. I had seven at the time. Retirement. What's your retirement at? So, that's a good question because I I. don't fully know. Like, I get retirement. as a like part-time teacher with the. community college I work at. You don't? So, I looked and that's like $2,400. right now. Um, but then since I started. working for the government agency, um,

there's like three, it's like a. three-prong approach for retirement. So, one of those is a pension. Yeah. Um, that one I always have to contribute. I. believe it's like 4.4% of my, uh, monthly or or bi-weekly statements or. something. Um, and then I have like a. what's it called? TRS, which is like a. 401k. That one I actually stopped. contributing like because I was like, I. just need that cash to pay off this. credit card debt. Um, so I haven't been. contributing. Yeah. Okay. Well, I mean, spoiler alert. I mean I mean I'm just.

gonna say this because you said that you. spent $2,000 going out to eat. So yeah, I don't think contributing to your 401k. was the issue. Yeah, that and and that was the thing. like when I left Coinbase and I was. like, you know, living this bohemian. lifestyle like traveling like I went to. the World Cup and I went to Europe and. all these places, dude. Yeah. It cost a. ton of money. Yeah. And that's why this. is a maxed out card. Yeah. But in spite. of all that, I was like, you know, I can. get myself out of this whole I don't. regret my decisions. Even though like,

yeah, I don't recommend anyone to do. that, right? But like I don't regret any. of that because I mean, I went to the. World Cup and saw Messi play and went to. Europe and all these things. So I I I. don't know. I believe in experiences, right? So no, experiences are great. Experiences that you can pay for. And I. mean, now you're paying for it. What. what's being put on hold right now? Some. things have to be put on hold. Or maybe. they're not because you're still like. you owe money left and right. So I mean. the regret I'm not like go beat.

yourself. I'm not saying that but it's. like okay you put off the payment for. all that stuff and now it's due and you. got I don't want any use the word luck. because there is skill you did. I I mean. I love the fact that you went to a boot. camp. I love certifications like I tech. certifications through course careers. I. absolutely love them. There's like I'm. all about it. So, you have the skill set. and you have the work. ethic. So, but if you didn't land this. job, man, you took a there was a big. risk. Yeah. No, no, you're absolutely.

right. You're only making the minimum on. this one anyway. Yeah. Yeah. Okay. Well, we'll go through and make see if that. makes sense or not terms of regret or no. regret. Would you do it again right now. though? Maybe regret it, but would you. do it again? I don't think I would do it again under. the right circumstances. So like like. for instance right now if they're like. hey you know go to this place this place. I would say no because right now my my. thought process is like I need to get. myself out of this hole. What's.

different? Um it's just I have. stability, right? Like I have financial. stability. I'm older. I want to be a. millionaire at some point. I want to. help my community. So the reason for me. getting money and being rich isn't just. to enrich myself. Like I'm very a. missiondriven person. So, like I want to. use that money to like impact uh. positively communities um you know my. family because my family came from. nothing essentially. Um so it's it's. more for that. So now that I'm older and.

a little bit more mature, it's like. that's. you're only two years older than me. You're not older. I promise. Please. If. you're aiming to save a bit every month. and grow your money over time, I've got. just the tool for you. Let's talk about. Mumu, an investing platform that makes. investing accessible to everyone, no. matter your starting point. And before. you tell me that you aren't ready to. start investing, Mumu is giving my. audience up to 15 free stocks just for. making a qualified deposit. And if you.

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your financial future. Okay, Chase Freedom Flex and good goals. overall. And this one, so this one's a. bit weird. Some of these cards you kind. of pay off like this one you paid off. but there was still interest. So. like you didn't fully pay it off in time. it looks like cuz there's $22 of. interest that accured but you still paid. off the balance. Then you wait and. purchase $2,000. So there immediately. goes a fourth of your takehome that was. just purchased on this card. Yeah.

$2,60. But again, do you pay this off. every month? Yeah. So now I'm in a. position where so that credit card, there's some other ones uh that I pay. off the full statement balance. Um the. ones that I don't really make a dent in. are the Discover card that we haven't. talked about and then the Bank of. America card. Those are the ones that. are just like. well why? Uh so for example the Bank of. America card. 12,911 that could be 10,911.

But instead on here we went and got we. went to an Asian restaurant, Barnby's. Cafe, Gyro King, Chick-fil-A, Flying. Saucer, Barbarella, Smoothie King. Barbarella is like a dance club, right? And then uh Rice Village, Taco Bell, Samosumi, the Korean, some Korean place, Chicken Finger, Waterburg, Chick-fil-A, Hobbit Cafe, Firehouse Subs, Cafe, Grison, Uber Eats, Nadal's, Clash, Klashi Factory, Smoothie.

King, Burger King, uh Vending Machine somewhere, Domino's, Local Foods, Rice Village. thing, another cafe, Basil. Cafe. You're paying for Google Ads and. Domino's and Domino's and Rice Village. and Amazon and a beastro going to a. Google ads thing is like that's a whole. that's a whole separate thing. We'll. talk about it cuz you spend another $50.

there on that. Yeah. And then I went to. the movies and Uber Eats, Einstein. Bagels, Domino's, Burger King, Istanbul. Grill, Chick-fil-A, Common Pond, Cocoa. Crep, Crepes, Kalashi, Shopee, and Brown Bag. Deli, Burger King, another something on. Google, $200. Then Uber Eats, Jersey. Mike's, another. cafe, Einstein's Bagel Bros, Bros.

Bagels, Panda, and Firehouse Subs. So, there we go. Thousands of dollars that. literally could have gone towards paying. the debt. So, what do you what do you. mean? Like, oh, they're just sitting. there. They're big and we're trying or. something. Whatever you suggested. I. mean, but you went and spent $2,000 on. this card. Yes, you're paying it off. Yes, we can talk about that. Yes, that's. a good thing. That's that within itself. is a good thing. But that should have. gone to the card that you lose you lost. what what was it $250 in interest that. was just stolen from you on a single.

monthly basis. So why are we going to. around when we have such a high balance. on that Bank of America and the Discover. it which is coming next. So why why are. we spending so much on there? I mean sh. I don't know. I was just like food is. just like an outlet for three times a. day minimum for you by the way. Yeah. Yeah. It's bad. And pri so prior to the. whole coinbased thing like I actually. like was very disciplined with like my. finances at least like I had a budget. I. knew how much money to spend on food. this and that. After I lost a job I said. you know and then just like went all.

out. So that mentality is still there. you know. Okay. But it's time to move. beyond it. January you got the job. You. have the income. You have the position. where you could be out of debt and live. the life that other people want to. But. you're literally $3,600 in a single. month across going out to eat and going. grocery shopping was spent on food. alone. $3,600. Almost half of your take-home. went to literal calories. Like that's. absolutely insanity. That's absolutely.

insanity when another $300 is lost on. this Discover it card in interest. So. what is that like 600 bucks gone in. interest on a monthly basis? That that. What is that? That's like an eighth of. your income, something like that. Like. what what are we doing? Yeah. I think. that's like that's just the most lack of. discipline. Yeah. You are given the. blessing of a lifetime with this income. Take advantage of it. Literally sit down. and budget. Do you budget? Do you. budget? So I have projections on when.

money comes in and goes out, but I don't. know how much I spend per month on. Okay. So you don't budget. I don't. budget. Yeah. Why don't you budget? I. used to and then I said, I, you know, live this hippie lifestyle or whatever. Yeah, but January's it was different. since January. Now you live that. lifestyle. Okay, that happened. If if. we're all punished for every little. stupid mistake we've made in the past, like no one would ever be anything in. this world. We would all be just like. shamed forever. Yeah. Where you are is.

now. And where you're trying to get is. where you're trying to get. That's all. that matters. So since January, you've. had this new life, big change. Yeah. Why. have you not changed since then? Yeah, I. think a part of me was just like, okay, I dug myself in a hole. I was able to. get out or I'm climbing out. Um, and. maybe maybe a part of it is pride, right? It's like, okay, I was able to do. it then I can do it again. But that's. just climb out of what specifically? So. like for instance, it's like so my goal. is to like increase my income like you.

said before like you climbed out of. something. You mean the unemployment. situation? So yeah. Yeah. So, well, so. for instance, like before I got the. Coinbase job, I was working at like. different jobs. Uh, but I had. accumulated a lot of credit card debt. Um, so something I didn't mention is. like I suffered from anxiety and me too. Like I mean, no, it was pretty bad. anxiety. Like I was an agorophobe for. like a year. Like I could not leave my. house. Oh, I get the panic disorder. I. can't go on planes. I have a hard time. traveling beyond the city of Austin.

Yeah. Take a flight to Houston. It is a. short flight. That's That's what we just. talked about. We'll see if it's a thing. No, my panic disorder prevents me from. doing things like that. So, I relate to. it more than you'd think. Okay. Yeah. No, I mean it it it sucks, right? And um. point is I wasn't bringing any money and. I like got into $15,000 of credit card. debt and then I got the Coinbase job and. I was able to pay all of that off and. then have a savings of like 13,000 in. the span of like 9 months. So, I was. like, I believe in myself. All the.

sacrifice though for that. Why would you. want to do it again when this money. instead could be compounded in the. market? You've already given up the best. decade of your life for compound growth. to have any chance of retirement. Now. you're you're you're willing to give. away your second best decade of growth. That doesn't make any sense. You want to. start investing at 40 other than your. pension. And who knows how far that's. going to stretch. I don't know. You. know, they don't have the best ROI. depending on the the pension usually. because there's so many limitations on. them in terms of what they're able to. invest in. Really depends. I mean,

there's there's this Canadian school. system now. They've had a downturn. because of the commercial real estate. market uh recently, but they've had like. the best pension ever because they. invested in like the best things around. the world. But yeah, either way, it. really depends. Can you rely on that? I. don't know. I don't know the ins and. outs of yours. So, this is like you could be setting. yourself up for life. Do you own a home? No. You could be setting yourself up. You could have a good chunky down. payment on a home if that's what you. wanted. There's so many different.

No, I think that's I think that's. accurate and that's something I'm. working on now because yeah, I think a. lot of it is psychological. It's kind of. like putting myself in these positions. to like climb myself out. It's like why. the am I like punishing myself or. self-sabotaging? Um but like I recognize. that, right? And that's what I had to. do. I had to look in the mirror and see, you know, all my flaws and who I was and. yeah. Yeah. So that's why I came on the. show, right? So I need to hear tough. love and I'm willing to make the.

changes, you know. Um so $260 on Google. ads. Yeah. So that's what's going on. with that. Yeah. So um me and my ex um. it ended. We were kind of on again, off. again. This was like a while back. Um. and yeah, I was I was devastated. She. moved on with another guy. Um I just. want everyone to take a moment. Where do. you think the story is going? I broke up. with someone and I'm spending $260 a. month on Google Ads. What? Okay, go on.

Yeah. Yeah. So, I'll I'll get to that. point. Um, but essentially, um, yeah, so. we, you know, she moved on, you know, it's like over. I was devastated because. I treated her like throughout the whole. relationship. Didn't value her. I just. wasn't I wasn't involved. I was like, you know, she loved me. I, you know, loved her, but I couldn't show it. You. know, she had issues. I didn't want to. hear about it. Um but in any case, um. but yeah, so she got herself in a. financial hole. So her friend's mom.

owned a compound pharmacy. Mom was uh. you know uh prosecuted for fraud and had. to sell that compound pharmacy which my. friend bought from her for millions of. dollars. Well, I mean did she commit. fraud? So the friend's mom did. Yes. Oh, okay. Well, so so you refilled she Yeah. Yeah. So yeah, the friend's mom went to. jail. Like she deserved it or whatever. So but my friend um ended up owns the. pharmacy or my my ex, I guess, owns the.

pharmacy now. Oh, your ex. Okay. Okay. Um so the ex Yeah. Oh, okay. So it was. like it was like my ex's friend's mom. owned the pharmacy. And now why does. your ex have it then if it because. essentially because essentially she the. the lady wanted to sell the pharmacy and. she knows my ex. They're like kind of. like family friends millions of dollars. of financing. I don't know how the how I. don't know how the she paid for it, but. she it was like a $3 million thing, right? Um but the the pharmacy isn't. even worth that much. It's worth like a.

hundred,000. So Well, how are you. defining worth? Um I mean just in terms. of revenue revenue, right? Like three. times I like what what do you I mean I. don't I don't know any business, but my. friend the my ex who owns the pharmacy. is like hey this is not generating the. amount of money that How much did she. spend on it? So the e my ex, you know, she she bought for like $3 million. No, you're saying three million, but like. did she finance a $3 million loan, but. put like a thousand down or something? Like I don't know the details. All I. know is that she's in debt for 3. million. She's in debt for 3 million.

Okay. For something you think is worth a. hundred. Okay. Yeah. So yeah, it's not. worth it, right? She was mis misled. But. in any case, because I was Sounds like. fraud 2.0 now. Yeah. I don't think that. lady's uh she's not a good person. But. um in any case, because me and my ex. split and our relation, how our. relationship was before, I was like, you. know what? I need to like kind of even. the scoreboard because like she's always. done good to me and I've always been. like an So like I was like, let me help.

you make this uh pharmacy profitable. So. like I made her a website. I'm paying. money for Google ads. Don't like that. Um yeah, I'm paying a lot. Um and. website I mean that's good gesture. And. the and the tough thing about this whole. thing is that like she has a boyfriend, so she's like not even she's not even. Yeah. So like my friend is Yeah. My. friend's like, "Don't be a s, don't do. this, blah blah blah." But a part of me. is like as a good person. I should try. to help her out. And well, you did the. website though. I don't know if like. holding back your entire financial.

future is like again, this is $360 or. 200 whatever it was. It's not an. insignificant amount. So much debt. That's a reoccurring thing. Um, but long. story short, I don't know if I'm going. to continue doing that because like she. refuses to talk to me. Um, oh my. goodness. Yeah. So, it's like I'm doing. all this stuff and she's like not even. answering my messages. So, yeah. Is that. why you send you spend $700 a month? So, that was a whole different u I guess.

it's related. Um, but so I pay for my. girlfriend's business, ex-girlfriend's. business. She doesn't talk to me. So, what do I do? So I go below 700 at the. bar. So yeah. So at that time I was low. Like I was emotionally Oh, sorry. 1400. It was bad. 1400. I've been corrected. It was It was bad. I mean I had Wait, when was this? Because this has to be. relatively This was I don't know in. April, March or something like that. This was like Well, we saw ATM.

withdrawals that we figure were going to. that. Yeah. I mean I I I don't go to the. club or anything. So what happened was I. was feeling like emotionally low. My. friend came into town and he was like. bored. He's like, "Do you want to go?" I. was like, "Sure." So we go to this. random club in Houston. It's like. Sunday, middle of the day, so there's. nobody except like three girls. Two. friends getting boners next to each. other. Exactly. Right. Uh yeah. So we're. like sitting there for an hour and I was. like, "Well, I want to get a dance. Like. I'm not, you know, I spent money to come. in here. I need to get something." And.

this like girl like out of nowhere shows. up and then I was like, "VIP room. Let's. go. That's like the private room. Sure. And uh yeah, she you know, she did her. dance and she was like, "You want to?" I. was like, "Let's do it." So we [ __ ] in. the club and that's where Yeah. That's. where that's where it all happened. Yeah. And on top of it, what happened. was um she attractive. Yeah. I thought. she was attractive. Okay. Um Yeah. I. wasn't just going to like whoever. Why. don't Okay. Yeah. And also like we So.

she just asked Yeah. So we were in the. show. So, she's g me a dance and and. then she was like, "Hey, you want to. let's do it." Did you wear a condom? Yes, I did. Oh, yeah. So, what happened. was she was like, "You need to get a. condom." So, I left the club, went to. the pharmacy, got it, and then came. back. Pharmacy? Yes. So, yeah, exactly. I stopped by her. pharmacy and was like, "Look what I'm. look what I got right here." Um, but in. any case, no, so it was this whole thing. and then like my bank shut down the card. because it was she like, "Do you want to.

like Yeah." She was like, "And this is. the cost?" Yeah. So, you're prostituted? Yes. I won't get in trouble, right? I. don't know. I don't. I don't know. Guys, it is finally time. For the past 6 months, I've been working. on what I believe is the very best. investing course that can be found. anywhere on the internet. I worked. directly with a team of financial. professionals who helped me distill my.

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also give you everything you need to. know about tax advantage accounts, children's accounts, health accounts, and much more. Taking this program is. the best investment you can make right. now for your future. Make sure to sign. up with the link in the description. below or the pinned comment to secure. your basically free purchase after the. cash that is gifted or go to. caleb.com/investing. I don't know what. the statute of limitations was, but um. in any case, it happened. Um okay, so it. happened and there's a lot more drama. that went into that. Um but uh what can.

you don't have to if you don't want to. I'm I'm an open book so I can get into. it if you want but um well it's not. really super finance related. So let's. let's post show. Sure. Yeah, let's talk. about it on the post show. Well, we can. get back to finances. Uh I'm interested. in the tea. I mean, I I I I love a good. little good little sip of tea, but we'll. save that for the post show where we can. tends to be. more wild finances though to discover. it. Okay. Yep. $10,000.

$647. How much of this went. to we do not know uh $322 minimum. monthly payment? How where did we how do we even get to. that trying to figure out from like what. am I leaving something out in the in the. financial conversation that we were. talking about before we got to that. Usually I'm not so flabbergasted. Okay. Uh okay. Now another card that we pay.

off. It's the freedom card. So this one. doesn't acrew interest cuz we paid it. off. But. again you're getting uh going to a cafe. Kashi Factory, Chick-fil-A, Waterburger, Cocoa Crepes, Cocoa Crepes, Brown Bag. Deli, Chipotle, Gro King or Gro or. Girro, Girro King. Oh my gosh. Firehouse. Subs, Cole Sword. It's a tabletop gaming. restaurant and. Characco's Woodland Mexican restaurant. Apple Bill, Kalashi's, Popeye, Thai Cafe,

Waterburger, Apple Bill, Apple Bill, Apple Bill, Burger King, Chick-fil-A, Bies, uh, which that was not gas. It. looks like $6.90 plus. Yeah, I don't. know if you drive your car out there. Anyway, Social Bar, Bufffords, which is. a grill/bar, LB Social Bar, Peter's, which is burgers, taco joints, speak. easy. My goodness. Bufords. Oh, you were in Austin, weren't. you? Yep. Speak easy and Bufords. I know.

those. If you frequently take out loans. to. Bang, apply to come on the show. Caleb.com/apply. So again, we spent. $2,000 there. Just going out to eat. So. that original card could have been. brought down to 18 $8,000 from the 13. It's at Yeah. cards. I'm just like, dude, I'm just trying to picture it. Like, you're paying off your cards. Usually I tell people to like get the.

Fizz card cuz it's a charge card. I. think you kind of know how to use credit. cards at this point. Yeah, you're. proving that you're on the right. direction, but you're having this big. behavioral issue with not being able to. control your spending, but you're able. to manage paying off the cards that I. think it's only your income situation. that I'm just like, man, if thating if I. was you and I was just sitting there and. I just like I opened mumu and I was. like, I'm going to buy some S&P 500. today. Like, let's get in it. And you're. just [ __ ] that. Just that. Let's get.

some compounding going on. So, say you. had nothing for the. next 30 years, you're investing that. $4,000 a month you've literally spent. eating out so far at 8% a year. So, average stock. market, $6 million. What? 6 million? No. Yeah, that's the value of compounding. over the course of 30 years. $4,000 a. month. $4,000 a month is a ton of money, but you're literally spending it on. going out to eat, going to bars, going. to cafes, getting whatever you're doing.

Like three times a day minimum. Three. times a day minimum. And even groceries. itself, again, you spent like 1,600. bucks going to grocery. Like, what what. are you what are you kidding? That's. weird. I I actually don't I didn't know. that was 1,600 because generally I go. there and I try to spend. $100. Um, but a lot of it is like um I. don't I mean cereal, juices, water.

Um, no. So, I mean that's why I asked. the budgeting. thing. So, luckily cuz you're a guest, you're. going to go through our budgeting. program. Yeah. And our investing. program. I recommend it for anyone. But. of course, you need to go through it cuz. what I need you to do now is next time. you're in a grocery store, man, just. track what you're purchasing, put it. down in the budgeting spreadsheet. Yeah. You need to know what you're doing. And. like I can't see your purchases. So, I.

don't know. But you spent like 1,600. bucks at grocery stores. Was that over. the course of We only have one month. That's [ __ ] Yeah. 1,600. Damn. I don't know. I have no idea. Are you like in a. cooking class? Are you doing like crazy? What What is your life? I mean, I think. a part of that is whenever I go to the. grocery store, like I will buy stuff for. my students. Um, but that's generally. for students. Yeah. Which ones? So, the. ones at the jail. Um. Okay. What are you.

getting? So, it's like this graduation. ceremony and like so my students like. they eat like dog food. Like they don't. eat anything good and um they haven't. had outside food in forever. So I'm like. I kind of go all out. So like I'll buy. them ice cream. I'll buy Yeah. But how. often is that? So that is once every six. weeks did and then in between. How much. do you spend on that? I like the heart. There's a good heart there. There's a. good thing there. I think that's really. good. There's some It's a positive.

reinforcement also just things for them. to look forward to. And yeah, like at. the graduation ceremony, they get the. food, they get the certificate. Like a. lot of my students were like, I've never. graduated from anything. This is Yeah, that's really cool. It's like Yeah, it's. a lot. I think you can budget it at. least, though. I think you can budget it. cuz 1,600 bucks. How many people are in. your class? Uh, it's like 22. Okay. And. it can be more than It can be every 6. weeks. I mean, that I don't know. That's. a lot of money. It is a lot of money. I. need to sit down and just look at the.

numbers because as you can tell, like. I'm You need to look at what you're. purchasing. I could teach you how to. budget every day, but I if I don't know. what you're purchasing at the grocery. store, that's very difficult. So, you. need to really track that. Yeah. go. through our investing pro. Sorry. Um, well, yeah, you should, but that's the. one that's in my head. Um, go through. our budgeting program. And you really. need to learn that. Um, okay. $435 on. another card. Again, you pay it off, but. it's just Apple bills. It's parking. It's more Apple bills. More Apple bills. and tons of grocery stores and.

uh Apple bills. Patreon. Upsplash. Stock photo library for what? That was for the website. I need to. cancel that. Cancel it. She doesn't even. talk to you. Yeah, I know. It's bad. I think. Yeah. You Yeah. I mean, what's. your friend saying? How long you guys. How long have you guys been broken up? You're doing a bit of sing. I know. Well, that's the thing. He's like, "You're doing all this." He's like, the. boyfriend's like, you know, you know,

I'm like, I get it. I mean, they're. dating, so I mean, yeah, that's normal. But I felt like um No, I mean we were on. and off for like 10 years, dude. Okay. But when was the official like the. official breakup was back in fe in early. March or something like that? February. She bounced back quick. Okay. Um yeah, I. mean it was just like she was waiting. for me to change and I was just too. [ __ ] up to realize and then she just. ended up meeting a guy and then she You.

met a guy. You met a love story all this. time. Exactly. Yeah. Um, but yeah, so. she just met a guy and she moved on and. I was like, I I didn't move on, you. know? I tried to move on, uh, but I. always held out for her, you know? So, um, well, I mean, yeah, like what the I talk about. relationship wise, I'm like I don't. know. I, you know, I'm not married or. anything. I haven't met the successful. thing, but as someone who's been through.

breakups, it's totally natural to feel. like for, you know, yeah, quite a few. months depending on the situation. So, yeah. I mean, with that, I'm not going. to knock you for that. But yeah, with. that, it was like a lot of regret, right, of things that I didn't do cuz. you knew you could have done better. So, you're always looking back like, I could. have done this. I could have done this. Yeah. Exactly. Because like she I mean, she literally like begged me to like. make it work and I was like, nah. And I. was just doing my own thing. I was lost. in my own world. You deserved it. Yeah. No, so that's the thing. Like, you know, she's moved on, I'm moving on. We're.

probably never going to get back. together or at least How tall are you? I. mean, you're a attracted dude. You're. going to do well. So, that's the thing. It's like guys are always like, "Oh, it's your height. You can just pull. chicks." It's not like that. Okay. But. there is an easier part of it. The top, what is the statistic? The top 80% of. women only swipe right on the top 20% of. men in terms of conventional. attractiveness. and like you know 6'5. blue eyes trust fun you know that kind. of I mean yeah I think if you have like. all of the different variables to I know. but the height like they see someone.

below 6 foot it's like swipe left like. that is so classic that how tall are you. I'm 64 see you have a better chance I. think yeah no I I mean I think plus you. have conventional attractiveness so nah. you'll be fine you just got to you got. to actually create like a good dating. profile though yeah no I mean so my I I. used to use hinge and my profile wasn't. that good. Um, do you have a new one? No. I mean, we can we can review my old. one if you want. I still have it. I. don't You can look at it in the post. show. Yeah. Yeah. But, um, in any case,

uh, yeah, height isn't everything. And. yeah, sure. No, it's not everything, but. you I mean, you have things going. I. gotcha. You have a strong income. You. have conventional attractiveness. You. have height. You have a full head of. hair. You have uh you're not a fat. You're you know, there's there's things. going for you. Yeah. still had to pay. for, but you have things going for you. Uh, went and purchased $900 on here. So, what is this point? What if we spend on. the credit cards that No, we spent like. close to 6,000 now. This is mostly. [ __ ] This one, you know, movie pass.

and this is grocery stores, dude. [ __ ] Kroger, Kroger, HB, Kroger, Kroger, HB, Movie Pass, HB insurance, HB, HB, Target, the potential car thing, HB, Whole Foods, and then another movie. You're. just You go to the grocery store every. second of your life. I feel like you're. never not somewhere swiping for food. You're always swiping for food. That's a. interesting point. Um I need to look at. the transactions because like I also get. my prescriptions from the far uh from.

the pharmacy at like grocery store. But. are you saying you get a new. prescription every day of the week? No. No. I'm just saying like I don't know if. some of those transactions were for. that. I mean, maybe one or two, but even. still across all these statements, that's crazy. And also like the things. you're getting in like the Apple Apple. store as well, like 200 bucks, what are. you getting? Sure, you have some. subscriptions like Apple Music or. Spotify, but like what are you doing? And we know you don't have Hinge Premium. Plus Extra, so like what? Well, no. So, that's the thing. I actually I So, I had. it. I just never canceled it. I don't.

because I don't use I don't use the apps. anymore, but like I still have that. So, I need to go in there and like, you. know, cancel that. I used to buy roses. too and all that and super likes and so. I blew that's what I do right now. Yeah. Yeah. You know I always I want my. friends to set me up with one of their. friends. That's like a conventional. normal way. But guess what? All my. friends friends are already my friends. So it doesn't work like. that. It's annoying.

$26 of purchases on here. It's all. Kroger. Great. But you pay that off. But. it's just the spending and you have. those two big credit. cards. Now, this one's. weird. Do your parents who you owe. $6,000 to know that you're blowing all. this money. You blew that much money, $6,000. Yeah. In this last month, you. blew that all. You could have paid them. back. Yeah. Do they know? No. Okay.

Well, how much did this How much did. this cost? No. No. How much did it cost? Like I'm not joking about it for this. one. It was like 700. It was like 700. Okay. Like I mean when we owe 6,000 to. our parents. Yeah, I know. It's bad. I. don't think And then 4,000 to a friend. So why do you owe 6,000 from to the. parents? So 6,000 um I think it was like. three from my mom and three from my dad. Are they divorced? No, no, no, no. It. was just like they both had their own. money and they just gave it to me. Okay. Um, but I think this this was I mean during.

my unemployment, right, from Coinbase to. this government job. Um, I think I. needed money or something like that and. they they lent me the money. And you. haven't paid it back? No. A penny? No. So, no minimum monthly payment. Agreed. Okay. What about the friend? Cuz that. can be even more embarrassing. No, it. is. I haven't asked for a friend. No, it. is. Um, so with my friend, he So, whenever I What did I just get sent? What the [ __ ] No. Whatever. What did. you borrow? 4,000 your friend for so so.

all those trips that like the World Cup. and this and you know your friend he. yeah he lent me a lot of the money like. when I went anything back um no I. haven't me uh what's your relationship. to this friend that's so irresponsible. you just blow $6,000 on bull in a. monthly basis just this most recent. month when you owe money $4,000 to your. friend that's legitimately that's. actually kind of disgusting I'm. disgusted in that no I I agree it is. disgusting um I didn't even realized. like I was spending all this money or. whatever, but um yeah, I mean he's one.

of my good friends. He's not like some. Joe Schmo. Like me and him are really. close. Does he ever talk about it? No, he never talked about it. But um Jeez, I. I need I need to pay him and my parents. back, you know? You need to take. control, buddy. Yeah, you're you only I. I see it now. I mean, it's coming. together now. It's like you haven't. changed. Your income has changed. So, you've been able to sustain and kick. things down the road a little more, but. nothing has changed since you got the.

income. And that's clear. You didn't. lifestyle inflated yourself. You were. already in a position where you're just. around and this has just allowed you to. do it a bit longer. Yeah. And but the. thing is like I'm able to go and be. disciplined because prior to all this, I. was disciplined. Like I was like, "Okay, well, why haven't you showed a single. inkling of that though?" I think because. for me right now I'm like I know I can. make more money. So like I'm going to be. It's not about more money. It's your. spending. Well, it's like if I have more. money then it's like I can No, because. people like you they'll just increase.

their spending. You'll take a flight to. the other side of Houston instead of. driving across the city. No, I mean I. think there's a middle ground, right? You'll Taylor Swift every like chance. you get. You'll take a private jet down. to like get a drink of water in the. middle of the night. Yeah. No, there is. a middle ground for sure. Um, but like I. need to be more disciplined, but my. other goal is like I can make more money. which will allow me to spend more, but. to your point, I need to be disciplined. That's not even like the big thing. because again, we have.

$52,939 of federal student loans. Yeah. Why don't you owe any money? So, before. I got this job, I applied for They don't. know. They don't know yet. That'll be. next tax year. Yeah. Okay. Right. Well, but you work for the government. though. Yeah. So, um, so yeah. Um, so my agency. actually has a like student repayment. plan. I don't know if I should do it or.

not because it ties you in for three. years, but isn't bad. Yeah. It's just in. terms of my career trajectory, right? Do. I want to stay in government for that. long? I'm actually kind of leaning towards it. because before whenever, you know, I was. like grinding and jumping from company. to company. I wanted to work at like a. Google or Microsoft or Netflix. You're. less likely to get laid off as well. Especially, they don't know, but I know. the department you're in. You're less. likely to get laid off. Yeah. Yeah. Exactly. So, because of all the layoffs. and like the instability, I think. government is kind of the right way to.

go. And like the people I work with are. cool and knowledgeable and I'm learning. That's really inefficient. They don't. know how to like cut any kind of waste. So, it's it's the perfect place for. someone to sit down and make a ton of. money. Yeah. Like, they'll spend they'll. spend our money. They don't care about. that. Trust me. Um, but yeah, so it's a. three it would tie me into a three-year. contract. And it'll pay up to $60,000 in. student loan debt or student loans. So, okay, that's pretty cool. Federal or. all? Uh, it I think it's just all. actually. Even private? Really? I don't.

know about that. Okay. You know what? Let me Yeah, let me take a look at it. Yeah. I I don't want to say for sure. Uh. okay. But while you're not making. payments, I mean, this one has that one. had 7%. I just saw 7% interest. So, some. of these have some higher interest rates. and that is accumulating. And if you. don't get them forgiven, like that's. going to you. And then what is this? There's this. um. other loan. Yeah, it's the state of. Texas. State of Texas loan. You You were.

late there. You were late there. You. were late there. You were late there. You've had late payments all throughout. Yeah. Granted, I believe that's when you were. unemployed. Yeah. So, that that was probably in 2020. or 2021 before I was employed. And I was. adopted and I assumed that the the whole. um deferment of federal loans applied to. to state loans. So, I was like, "Oh, I'm. good." And then, yeah, it's like I. checked my credit report and I have like.

all these like bad remarks and it's like. late payments. So I was like, "Oh shit.". What's your credit? Um, so I checked. yesterday. It's 694 surprisingly because. like my credit utilization is like 60. because you've paid off most of your. credit. Yeah, because I've been paying. them off and [ __ ] Yeah, it's getting. better. I think you'll actually have a. good credit score once they're all down. Yeah. Um, what's your minimum payment on. this thing? It's like 170 or something. like that. Okay. Because it's two loans. Oh, it's okay. Total it's or it's more.

It's like what? 220 or something. That's. a little more. It's about 228. And. what's totally total to total owed on. all this? Uh I think I have no idea. It's like what 13,000 or something like. that. Great. So that's the thing. It's like I need a. budget because I can pay a lot of this. off. I just don't know what how much I'm. blowing money. And then is this. separate? Yeah. So that's my private. loans. Oh no. Yeah. That's insane. And.

you've gone. to How much school did you do? Yeah. This is so much dude alone that this is. insane. Yeah. So I mentioned earlier that I got. a degree uh a bachelor's degree in. biochemical and biohysical sciences. Um. and I was a bad student. So I was lost. I didn't know what the I wanted to do. Um so I ended up staying in school for. like six years. Um you know accumulated. all these student loans. loans. I had to. get private loans because I was like on. academic probation. Um and then the the.

I guess the up or funny thing, however. you want to look at it. Um you know, consequence of all that is like I ended. up not even pursuing that. I I was. interning at some labs in the Texas. Medical Center and I just did not like. the lifestyle and the job of being a. biomedical researcher. Okay. Um I didn't. have the grades to get into PhD so I'd. have to take more classes to boost my. GPA. So I was just like this. Um, okay. Yeah. $376 a month is your minimum. Y,

you're at 31,146. What's the interest on. this? Um, let me take a look at my doc. I don't see that on here. So, the. interest You have had fees before. through a potential Yes. So, the. interest for those uh the private ones. is 5.54%. Okay. Originally they were Sally May and. I was getting over my old Sally's a yeah. old Sally's Yeah, I was getting charged. like 10 to 15% interest and I was like. that. So I was able to refinance uh with.

these people which reduced Yeah. Greatly. reduced it. But any other debt? No, I'm. pretty good. Um there's nothing else. except uh I'm about to have an operation. that'll cost $10,400. Okay. What's wrong with you? It's a good. question. So, I guess it's subjective. I'm loaded with good questions today. I. guess it's subjective because I think. there's something wrong with me, but. like there's no like medical. So, this.

isn't like a medical necessity, right? It's not like, you know, I have like a. kidney stone or some like that. It's. like a cosmetic thing. Yeah. For like because what is it? Yeah. So. what 10,000? Yeah. So okay, that's why. the bill because it's cosmetic. So your. insurance isn't covering anything. Yeah, exactly. What are you What are you. getting? So I was hesitant to say, but. I'll say so I'm getting a hair. transplant.

I don't see anything wrong. So to the. untrained eye, I'm good. But to people. that know I'm losing hair, and I am. losing hair. Losing. Yes. Shouldn't you. wait until it's fully gone before you. get a transplant? No. Oh, so that's a. misconception because once it's fully. gone, you have less graphs to work with. So what about finasteride? I Yeah, I've. been taking finasteride for Has it. worked for you? I mean, I don't know. Generally, like after a year, you're. supposed to see if it works or not, but. I've been taking Were you taking that.

when you're already losing? Yes. I think. finasteride is more of a preventative. Yeah. I think it holds you, right? Yeah. Well, that's the thing. I don't I don't. I don't know if it's maintaining what. I'm current what I currently have. because I still, you know, when I take a. shower, there's like a bunch of hairs, right? Um, well, there's a bunch of. hairs with most people's showers. I. don't I mean, I think the amount of. hairs that I have are probably more. more. Okay. Yeah. And that's indicative. of like hairs that will not grow back. As someone who's been terrified of. balding my entire life, I kind of get. it. Yeah. Um, that's why I do finest as.

a preventative. Preventative. And have. you done like the beep beep, you know, the drops of serum stuff? Minoxidone. Yeah. Uh, I did it once, but I just was. like, it doesn't really it it's like. some weird mechanism that scientists and. doctors don't really understand how it. works, right? It's like increases blood. flow, but like what is the pathways? So, like finasteride treats the actual. cause. Minoxidil does help and it does. work. Um, people have had good results. Yeah. Yeah, for sure. But I was like,

I'd rather just take finasteride, which. No, you'd rather spend $10,000. Well, there's that. Yeah. 10. That doesn't. make any sense, though. reminder. I mean, where are we at, dude? One second. Like, these student loans areing. insane. And sure, maybe some of them. will get forgiven through your job if. you stay for 3 years. And I think that. actually might be a. play cuz in general, it's actually a. good job regardless of the forgiveness. But just your Oh, no. We got to add the.

Bank of America, too. What? Your debts. are. $130,000. We're going to add to How are. you paying for this? So, I just got. approved for an American Express card. You see, you've you've lost it. You've. lost it. That doesn't make sense. You're. going to put a hair transplant on a. debt. I'm I listen, I support the. cosmetic. Do whatever you want to do. I. do support that. But you're putting it. on a debt while you're unable to pay off. your other debts fully because you're. spending all your money on [ __ ].

That doesn't make sense. This is not. good for your future. This is not good. for Can you put your head down? Can I. Can I see the tippity tubby? Okay, buddy. You look fine. And I I know I. know you see something that we don't. like. You probably have some dysmorphia. about it. And then you probably see some. fear in the shower and stuff. You may. see some receding as well, but the breakup really got to you, didn't it? Yeah. Did a number on me. But. um I mean, I've been wanting this thing. for 4 years. And what? Yeah. I've been.

wanting position. Yeah. And I was just. like at the time I couldn't. No, this is. what bald looks like. Look at my producer. That's I mean I'm. there getting there point. You're not. It's just there's a lot of smoke and. mirrors and you know how like what are. you combing over like girls they do like. the filters on the dating apps or. whatever with their photos. I'm seeing. you in real life though. And in any case. um okay again I'm not against cosmetic. at all. Do it. Like people should feel.

confident. Do it. Yeah, that's but the. cosmetic is a cosmetic. It's if you can. afford it. It's not a life or death. thing. Uh like take a Sharpie. Like you. you're $130,000 in debt. This is an. additional $10,000 in debt. It's just. increasing your minimum payments. Even. if you're 0% for like a year or two. years, whatever. It's increasing your. minimum payments. You're not paying down. your debts. I think it's a big mistake. I think it's a stupid thing to do. I. think it's ridiculous. Especially. Especially when you owe your parents. money and your friend. they should be.

paid back before you ever take out. something for just a want because that. is a want. Let's be clear. Again, I'm. not against it. I'm against it in your. situation potentially. So, that doesn't. make sense. Yeah, I agree. It doesn't. make sense. Um but I'm going to do it. anyways. And to your point, well, there's not that I can do that. That. doesn't What's the point? So, what's the. point of being here? I mean, no. What's the point of being. here? Yeah. I mean, I still have to do. it and that has to have to. What the I.

don't think you know what the word have. to is. Yeah. You don't know what the. word have means. It's just I have things. in the pipeline that will allow me. What. pipeline? What? Okay. So, from July, all. of July, I got a teaching job at a top. 10 university here in uh the United. States. Okay. Don't want to disclose. what it is. Um it's computer science. thing. So, the government job granted me. permission to do it and then I'll work. some hours a week with the government. job, right? Um, but this is a full-time. job for 6 weeks. I'll be getting paid.

$110 an hour. See what you're doing. And. I love that what you're doing again. This is what you did last time and it's. why you're still in debt. You're like, I'm going to make more money so I can go. get in this debt now. And it's not debt. that it's adding any return on. investment. It's not real estate that. you can sell. It's not even a car that. you can sell. But you keep going into. these debts because you're like, I'm. going to be making more money. That's. different, buddy. Work that job for a. bit. Save up the cash and do it. You. keep getting into this situation where. you're preemptively getting debts based.

on uh this this income we're hopefully. getting and you are in this situation. But what it leads to is you get in that. situation, you up your lifestyle, you up. your spending, you spend $8,000 a month, you spend 80% of your income, then boom, these debts still exist because you're. only putting your minimums to them. So. it doesn't you haven't even paid a scent. back to your mom, dad, friend, your best. friend hasn't had a scent paid back to. him and you're going to get cosmetic. surgery. Yeah, that's a joke. No, you're.

right. It is a joke. Yeah, so stop being. a joke. You're 31. Be a man. Yeah, you. all got to use my favorite high yield. savings account where you can get up to. 4.6% on your money plus FDIC insurance. up to $2 million. You can also get up to. $300 for signing up today. It's the. personal high yield savings account that. I use for my money. So, don't let your. money be losing money while it's just. sitting there. Click in the link in the. description below and get those bonuses. It's just not a joke. No, I agree. I.

think um if I'm able to That's stupid. If I'm able to cut back on the food. spending Yeah. If you haven't. demonstrate to yourself that you can for. a couple months, but if you cut back on. your food spending for literally a month. and a half, you can afford it in cash. Yeah. A month and a half. Can you wait a. month and a half? Your hairline can. It's not that bad. Yeah. No, I got to do. it now. Okay. I'm done. Then I'm done. I'm done then. Cuz it's stupid. $3,000. in your checking account. Zelling,

moving some things back and forth, making some payments. Okay. I don't even. want to like take a look at those things. cuz if you're That's so stupid. You have. nothing in retirement. You have nothing. in retirement. But you. Yeah. It's stupid. It's stupid. It's. selfish. It's immature. It's stupid. It's stupid. I agree. So change it. What. do you mean? If I cut back on the spending and I do. my other things. When's the cosmetic. surgery? It's next week. Oh me. This is.

why did you even come on this show? Why. did you I was on your side and tell. this. This is the dumbest thing I've. ever heard in my life. This is the This. is a stupid. Cancel it. Be a big boy. This is stupid. What's it even going to. look like? What's going to be different? That's a good question. Uh it it'll look. a lot different, I think. Um it'll What. do you think you look like? It'll fill in the areas where I've. receded. It'll add more density. I mean,

we can get into the technicalities of. all that, but it it will look different. in the long term for sure. Yeah. I don't know. It's so stupid. It. is stupid. I don't even want to make you. a budget cuz it's again, you're just. you're willing to go below $10,000 on. something like that. It's like it. doesn't really make sense. Like why make. you a budget at that point? You're not. doing anything. Housing 600. Yeah.

Your your proportions are weird. Do you. have a car payment? No. Cuz it's a But. that car like you're not even buddy. You're in a position where you won't. drive that car because it's going to. break down. Yet you're willing to spend. $8,000 a month on [ __ ] You're. willing to or $6,000 a month on. [ __ ] You're willing to spend. $10,000 into debt on a on a hair. transplant. And then if you if your car. breaks down, you have no choice but to. borrow money for a down payment, then.

just borrow everything on the car. Like. you've just it's a it's a joke. Going to. the grocery store, 1,738. What a joke. Going out to eat. 1,94. What a joke. Miscellaneous bull. $667. Of the large purchases, $2,675. You have the potential to have the life. that everyone out there who's watching. this wishes they could have. The life we. all wish we could have and you're.

literally throwing it away. And it's. it's so stupid. Cooking classes, FedEx, ATM withdraw, 1400 bucks. That's the. That's what we thought this. is. Oh, cash app out $10. Zelian out. 1,178 and Venu out 10 bucks. Where's all. that money going? Yeah. So, the $10. transactions. Oh, those are fine. I. don't give a about that. 1,700 from the. ATM and then uh or 1,700 from Zel and.

1,400 from the ATM. The we doing that. I. actually don't even know. I think the. ATM withdrawal is from the the whole. club thing. Yeah, that was last month. So, I don't actually I don't know. I. have to look into that. Um so, yeah. I I'm gonna end it because. normally I make a budget, but I think. it's a waste of my time and everyone's. time to do a budget for you. I mean, you're you're going to blow the money no.

matter what, which makes me question. why. Why did you come on? I want a. budget because I know No, I'm not going. to give you a budget if you're not. willing to change anything. You're not. even willing to cancel something that is. so substantially large. And so I that's. dumb. It makes no sense. People get a. budget when they're willing to change. when they have the ability to make. sacrifices, but you're not willing to. literally not do a hair transplant. So, the hair transplant? No. Like, I got to. do it. Yeah. Then I'm done. Then I'm. then I'm done. I'm done. We We'll talk.

more about that fun story in the post. show and we'll make fun of how the. producer is actually bald and you're. not. And we'll we'll do things that. it'll be silly silly heiha times, but. I'm with this finance cuz this No, this. is stupid. No, this is stupid. Look, the. spending on the food, I'm willing to. reduce that to rice and beans and. chicken, right? Hammer financial score. You This is. the We're going to go to the post show. Stick around for that. Uh check out the.

investing course. You get $100 when you. sign up for it. And the class is only. $97. So, you actually make some money. when you sign up. So, make sure you guys. check that out. It is the price is being. raised next month. So, check it out now. We'll go to the post show today on the. financial audit post show. You know, met. the she was like, "Let's I was like, let's do it." Manager walked in halfway. through. I was like, "What the?" Yeah. I. don't know if she does that normally. with other clients. Should we send Noah.

to find out? No, thank you. Noah. Yeah. To watch the financial audit post show, click the join button below.