Degenerate Son Exploits Parents | Financial Audit

a couple hundred to you know a couple. thousand not really gambling if you ask. me what what do you mean that's not. gambling I don't always lose you know. sometimes you win n you've lost so. you've lost that's all your income with. both your jobs can't be that bad I mean. I know I need to stop I don't lose every. time are you serious are you going to me. right now what the are you talking. absolute wor what are you talking about. like legitimately what are you talking. about I never claimed to be a good. Gambler uh my name is Trenton I'm from.

Minnesota I'm 22 years old and this is. financial. audit welcome down from Minnesota cool. fellow midwesterner I'm glad I escaped. and welcome to escaping what do you do. for a living up there in that Barren. snowy Wasteland of freezing um yeah I uh. I work weekends for Old Dutch Foods um. so I stock shelves with products that. are already there okay how much do you. make doing that job um probably around. 30 grand a year maybe a little more just.

weekends yeah no it's a really good job. okay wow yeah okay and is there another. or then I I work um delivery driver for. a pizza shop called shanana clear and I. work like two to three days a week there. so okay and what are we bringing in with. that one probably around 20,000 a little. more a little more more hours at the. touch the Dutch Place uh well it's just. a weekend job so if I were to go. full-time yeah it it'd be Monday through.

Friday yeah but the pay would be less. how much uh so I'd probably start at. like for the just the Monday through. Friday would pay about 42,000 a year at. at the minimum okay but then once I. would if I were to do that I could get. like uh my own route and then I could. make up to maybe 60 70,000 a year gotcha. and then the weekends on top of that so. another. so obviously we have some debt we have. some spending but I want to ask you give.

us me and the audience us a little. background what are we looking at here. uh so a lot of my debt and stuff comes. from my gambling so I 22 Yeah well I. started when I was 15 how wait how um. well you know you had a fake no the. casino just you you you get to know. which ones are tight with the security. which ones are not the Minnesota accent. is it's a powerful one oh you bet I love.

it okay sorry but anyways I was 15 I. brought $5 at the casino sat at a. blackjack table they allow that 15y olds. well no but they didn't check my ID cuz. I I've always looked older okay but you. don't look old wow when I was younger I. looked old actually had a similar. haircut I guess so yeah if mine hung. over a little bit more on the. sides um yeah anyways but I turned $5.

into 200 at a blackjack table and then. ever since then I've just kind of always. wanted to keep trying to repeat that um. experience you're into debt for the. gambling a lot of it because of the. gambling a lot so what I would do is my. American Express would allow me to send. money like venmo money to my friends off. of my card and then I would just have. them give me. cash Okay so.

what does this gambling look like today. um kind of the same thing but how are. you gambling with how much and what are. you playing and where and why and when. and what. anything I don't know you know I I like. playing Blackjack I'll play I'll gamble. on any anything anywhere I mean if I. think I can make money I'll bet money. towards. it okay. and how. often um um lately uh it's been like.

maybe once every other week for like big. time gambling trips where I'm going to. be where I'm going to be spending you. know a couple hundred dollars to you. know a couple thousand. dollars but a lot of times I'll thousand. every other week so like 4,000 bucks a. month Ian I don't always lose you know. sometimes you. win yeah but net have you lost or won. well I've lost quite a bit that's all. your income that's all your income with. both your jobs.

if you lose it all n have you lost more. or won more lost. more okay so it's not about sometimes I. win sometimes I lose n you've lost so. you've lost I never claimed to be a good. Gambler no of course not but that. doesn't but you you spend if it's really. $2,000 a week uh every other week I. mean on the top. end you know it's not always that much. and I don't always lose all the money. but.

52 divided by two no it is okay it's. like 52 okay that's. wild so you're clearly addicted oh yeah. definitely can't get away from it and. like like me and my buddies even when. I'm not like going to the casinos and. gambling you know the bigger chunks of. money like I feel like once a week we're. hosting like poker kns where we buy in. for you know 20 40 bucks but between 10.

guys then we play like tournament style. like Winner Takes all or but this. addiction it's obviously brought. Financial stress to your life and. potentially other stressors I don't know. what have you done to combat it or get. help or do. anything I mean there was a while there. uh last March till like August I didn't. gamble at all okay or besides maybe like. you know the $20 $40 house games which. not really gambling if you ask me what. do you mean mean how that what what do.

you mean that's not gambling well it's. you know it's like going out to eat it's. like oh 20 bucks you know it's like but. if you're addicted to going out to eat. and then you go and get a cheaper meal. out to eat you still went out to. eat yeah I guess that's true so you. never stopped no I guess not then and. then what made you get back into the. high roll or um I don't know. just my buddies asked me to go one time. and I just decided to and then it kind. of wanted to start keep going to the.

casinos again so is your friend group a. big gambling group very big gambling. group you I mean you know the end result. of this right the end result of this is. you probably can't be friends with them. which is so hard it's so e so much. easier to say than do because what are. we without friends you need a support. system you'd be bored you'd feel lonely. but also they're dragging you down cuz. if you want to get to a better place. where you're not addicted to gambling. spending your entire.

existence on it and every single scent. you make you'll you need to get out of. that situation. but like how can you it's. hard if you ever sought. help um I don't think like really like. I've I've asked my friends to like not. invite me to anything but there's Gamers. is like groups I'm talking like you know. the oh no nothing like why I don't know. I always figured I could if I really.

wanted to I could quit by myself and. how's I gone not well at all okay so. that leads us to probably the other. thing then good old G uh Gamblers. Anonymous yeah why not I don't know I. yeah I suppose I probably should do that. but is your is the de that we're looking. at basically all because of the gambling. or is or is more I'd say it's probably a. 50/50 split between really gambling and. then just like what uh going out to eat.

and drinking and just uh going on. vacations and you were vening from this. card this first card you were vening. money to your friends and then they. would give you the cash I mean they. weren't all super supportive of it like. but they get it like I'd be you know. down all of my cash from my bank account. and then I would have to basically beg. them do you have rent yeah how do you. have you ever missed rent no how how.

feel like you're skirting the line yeah. um I don't know there there's been you. know occasions where I'll take out like. a two we loan from a buddy just to like. two we loan from a buddy just to make. sure I like don't miss a payment like. yeah that should scream that you've. reached like you're basically. you're inches away from bottom if you're. getting loans from your friend so you. don't miss the payment so you don't. become homeless yeah like how close are. you to the bottom I'd say pretty damn.

close from that as of recently it's kind. of been like well American Express I. used to have a 30 grand credit limit on. that and just recently they cut me down. or they basically cut it down to like my. 22,000 did they really they that's not. reflected on here so that happened after. this statement I think it came into. effect like June 1st oh okay so let's. talk about this uh I want you to self. assess a score for me real quick though. your financial score zero being the.

absolute worst 10 being the absolute. best where do you think you are on the. score of finances zero okay I'm not I. don't think anyone's super surprised. based on what we've talked about so. far but that's tragic because you are. too young you are too young for that man. and you're too young you had a to be. throwing your life away for this if you. want your Hammer Financial score it's. free in the description below and if you. have anything that you want to discuss. with me on this show definitely feel.

free to apply at caleb.com. apppp let's jump into the debt this is. insane this card is. insane the debt is basically your age on. one card alone like that's ridiculous. like you're accumulating $1,000 of debt. on this one card alone for every year of. your existence so. AMX we're sitting at 2.

$1,138. N4 that's that sure that's crazy what's. even crazier the minimum monthly payment. is $71. 1755 what hits your account that we. could see on a monthly basis that we. could see and please correct me if I'm. [Music]. wrong what's the mobile deposit. tips uh or ATM deposit is that tips oh. okay yeah yeah that's we had payroll.

1,468 we had flash seats. 1,500 so flash seats that's me selling. my season tickets and that's just the. okay what's the ATM deposits of. 2,640 um it could be uh me winning. gambling I'm not exactly sure how much. hits your account from your earnings on. a monthly basis jobs earnings jobs. earnings um should be right around. 5,000 or no like four to 5,000 somewhere.

in there it ranges with. tips. 2,500 12 54. no it doesn't add up you said 20,000. from one job 30,000 from another job. that's $50,000 you're saying net you get. $54,000 that makes zero. sense do you either not know your income. or not know what hits your account which. one I don't know exact like well my tips. range like a lot like sometimes like. it's a small pizza shop so sometimes. I'll make you know $50 one night one.

night I'll make like $100 three days a. week though yeah and occasionally I'll. work like four days a week if they like. really need me but mostly it's three. days a. week how much can I trust cuz I can't. see by the way cuz again payroll we had. 1,468 hit your account we had a mobile. deposit of $71 again maybe that's. gambling vli in $257 ATM cash deposit. 2,640 you don't know what's gambling you. don't know what isn't and then selling. your season tickets. we'll talk about that as.

well I don't know what hits your. account how how certain are you on this. 4,500 average so I get paid uh monthly. from Old Dutch just how certain are you. on this $4,500 average I'm positive okay. let's call it that then taking your word. on that the reason. like like I don't care if it's for ,000. or $5,000 but if we have a wrong number.

the conversation we have at the end of. this where we do a budget and we try to. figure out systems can be completely. thrown off and I'm having to take your. absolute word on. that AMX yeah $717 55y payment okay. what's going on here you made a minim. then you purchased you purchased. $1,533 that's crazy that's an insane. number you know why that's extra insane. because here's your credit limit now. because they lowered your credit limit. because you don't know how to manage.

[Music]. this would you like to join me in this. conversation. um I don't know. what what was the what was the purchase. for what you don't even know what you. purchased buddy that's purchases that. you had oh purchases yes I mean it was. probably just getting food and so.

they lowered your credit limit because. you can't manage this the minimum. monthly payment is absolutely insane for. your income situation what is it okay. 4,500 and the minimum the payment is 77. 77 added by. $4,500 16% of your income goes to just. one minimum monthly payment on One. credit card on one of your debts out of. the many debts you have okay so we. decideed to go purchase on it bull food. which is what you're saying we didn't. even go through the purchases but you're. saying it's probably just been going. getting food non shalant you know this. is nothing it's nothing it doesn't.

matter you think that's okay you think. that's acceptable it's charging $511 and. 28 C in interest that's okay no then why. the are you doing. it um I don't know I'm just trying to. like cuz I don't have money on my other. cards so what am I what am I supposed to. do am I supposed not go out to eat what. are you talking about if you do not have. money you do not go to Mickey D's I. don't know where you went but we look at. that in a second does that not make.

sense how does that not make sense I. mean it does but like I. just I don't know I I just I I don't. like to just sit in home do nothing it's. it's just super hard for me I don't know. Park both of us could use a few more. miles of walking a day yeah I like I go. out and do things but there you go. Mission solved problem solved mission. accomplished as you know this channel is. all about making sure people stop making.

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to eat what's at home then why don't you. buy better things for. home cuz it's just easier to eat out I. don't know it is easier to get out so. laziness would you define your life. around. laziness sure I guess sure you guess. yeah I guess I'm lazy and know what do. you think like we're finding it out. we're figuring out we're trying to. diagnose this so we can try to come up. with a plan all right I guess then I'm. I'm lazy and I you guess I mean I feel. like you're just trying I am I am lazy.

okay I'd much rather go out and have. somebody else make my food than me make. it. sure uh I'd like to go out and do things. with friends rather than sit at home and. do nothing that's fine that doesn't mean. you have to spend money though. yeah I don't hang on with friends is not. a bad thing I'm not opposed to that by. any means let's talk about laziness. laziness is interesting because what. happens with laziness well your laziness. of this going out to eat pushing this to. the credit limit is going to go above. the credit limit very soon because it's.

acre $511 in interest every month and. it's actually going to start acre even. more than that because you put a larger. because you started at 199,000 and it. went up to 21,000 so you made the. balance bigger because we were spending. money on things we can't afford so let's. talk about laziness you do that because. you're lazy what happens to a lazy. person later in life hm well then. they're forced to. either get or not be lazy anymore. because you're going to have to start. earning more income because your mid. monly payments are going higher kicking. the count down the road we're just. building up more debt more debt more. debt more debt more debts building up.

more debt cuz we continue to be lazy. then it catches up to us and then you. have to pay for you're paying for all. the laziness now in the future which. means you won't be able to be lazy in. the future you're making it hard for. yourself maybe years down the road. sure but you're making it hard for. yourself and someone that has an. addiction let's be honest I'm not going. to shame the addiction itself cuz that. is a real thing that a lot of people. fall into a lot of people fall into. nicotine a lot lot of people fall into a. lot of people fall into a lot of people.

fall into gambling these are very real. things not going to shame you for that. but as someone who deals with that. you having this thing coming down the. road that you're going to have to deal. with is going to make your fight of that. addiction 10 times harder because if you. have to deal with all these major. responsibilities that you're just. kicking down kicking down kicking down. kicking down forever how are you going. to deal with that when you're trying to. fight one of the hardest things. ever a big addiction. you're ruining your potential of the.

future life you are making a couple. years down the road maybe a decade down. the road sure you're making that so much. harder for. yourself yeah I'm I mean that's what. laziness does yeah I don't doubt I need. to make a change but I just it's really. hard for me not to just go and spend. money somewhere like what all I'm doing. is.

all I'm like I'm I'm working and I'm not. at home for you know you know 6 to 12. hours a day to like weekends I'm out on. the road almost 12 hours a day like I'm. going to have to go talking about Road. like so I'm weekend service I it's like. a route so I do like you know you know. 15 stores in a certain area okay got so. like when I'm out doing that I have to. go get food somewhere so I and it's I. don't have money on my so many times a.

thermos have you ever seen a thermos. anywhere ever seen one of those you ever. seen a th yes I've seen a ther. interesting what do they do uh they keep. food warm oh. H is your car big enough to hold a. thermos it is big enough to hold it. there oh that's interesting it's an. interesting little tidbit. H how's that is that an option yes that. is an option soup good I love me a. soup yum yum.

um samies. coolers. nice things you can put there. fruit. vegetables you can get crazy be a weirdo. put some milk in your cooler eat some. cereal on the road be a freak I don't. care saves you money yeah I can I'm a. freak I'd eat cereal on the road sure. why not all right well I'll. stop you will stop yeah I I don't really. have an option I don't have credit. anymore I think you can open up another.

land of credit which is what I see a lot. of people do on the show so that's why. I'm taking this very seriously cuz. you're right on here you can't purchase. anymore but you could find more Predator. Services AMX isn't bad but people in. your situation where they have this. behavioral issue that they just cannot. stop going out to eat all of a sudden. Credit One shows up in the mailbox and. they're like yeah I'll take credit one. they start getting interest in fees yeah. I'll take the next Credit One I'll take. the next Credit One I'll get the next.

predatory lender and the next predatory. lender then I'll get the next payday. loan then I'll get the next payday loan. that's happened so many times on the. show that would be devastating for your. life and you're too young you are too. young am I getting old kill me now. you're too young to have a. $2,138 balance that you're still. accumulating that had its credit limit. decreased because you don't know how to. manage it with a $717 minimum payment. with $511 of interest agre you are too. young for that.

I mean it's not like I want to keep you. know spending the money and keep growing. my debt and all that it's just what do. you think you haven't stopped we've. talked about laziness for sure yeah have. you recognized that laziness. though before this conversation uh yeah. I I would say I have recognized that. laziness but so what have we done with. that then when recognizing it I don't. know I try to get myself motivated but I. can usually motivates you. money money motivates me okay well.

you're losing it all you're in you're. negative negative net worth as far as I. know yeah no. that's um what motivates you about money. because money is more of a. tool I guess I guess probably one of the. reasons I I'm get so far into debt is. because I like I guess I maybe it's not. money that motivates me it's what money. buys that motivates me so what is that. for you uh. vacations nights out with friends life.

experiences yeah life experiences okay. well you're now at the credit limit and. you're losing your money with gambling. as well so that has all of a sudden. limited what you care about if that. isn't enough for you to start turning. things around really don't know what it. is sometimes people have to hit rock. bottom sometimes when we're looking at. it from the outside it's like what more. Rock Bottom is that but people find a. way and I hope that's not what you have. to experience first I hope you can catch. us s on the way down so the purchases in.

here. uh a record store thing or like an apple. Bill uh Cub Foods golf. golf go in and get in some booze going. inside a gas station getting some bull. animal Draft House and I love myself in. animal Draft House don't get me wrong. but again we're at the cap and it's aing. hundreds of dollars interest and the. minim of you payments almost $1,000 golf. course you're at the golf course every. second of your life liquor again do you.

drink a lot I'm trying to quit but well. that tells me you drink a lot yeah I. yeah. 22 your life does not have to be this. Denny's oh no tobacco and vape. $145 what okay what is it um yeah so. like I'll just buy a disposable and I. like to have a disposable and like a so. like a vape that comes with juice in it. and then I like to have a vape that I.

can. refill and you're double fisting yeah. yeah shake my hand for a second hi my. name is Cam Hammer nice to meet you I. have an addictive personality just like. you. do one thing I've learned because of. this addictive personalities is I don't. get into things that are typically. addictive for other people to get into. because I know I'm going to get addicted. into those things that are find very. addictive for most. people what I need you to do as we're. continuing throughout life obviously yes. you're combating this you're trying to. stop drinking and The Vaping that's a.

whole thing that you're going to have to. you know figure out and then the. gambling it's a whole thing you're going. to have to figure. out as we're going through this you're. four years into adulthood we need to. have some self-realization of your life. if you know you have an addicted. personality which from the outside is. very clear to me but you know you I need. you to figure that. out one thing I've learned that has. helped me is I just stay away from that. cuz I know I'll go down those Lifestyles. if I start jumping into them cuz I am a. happy ridden person I am an addictive.

personality that is something that if. you think that is you I want you to. recognize potentially talk to a. therapist about but also try to stay. away from those things and if your. friend group is pressuring you into. those things because that's how they. live their life every day of their. life it's not the right friend group for. me which again I know is so hard because. how do you not have friends and it's so. hard to get a friends as adults outside. of college outside of you know maybe. potential work or something I don't it's. hard. I know I'm asking the world uh what.

would you have me do then would you have. me you stop talking to like most of my. friends and just keep around like one. group it's probably a I mean we're all. basically friends with each other it's. like a maybe a group of like 20 of us. what do you guys all do when you hang. out uh well poker nights um going out. drinking okay yeah going racing up in. Brainard we have a uh Raceway up and. brainer and Al some of my buddies have.

like you know couple hundred thousand. cars that just fly I mean I'm okay with. that one unless it's sinking a lot of. money into an addictive for you well but. what we do up there is we just drink. every night like that's probably it just. sounds like it's AK it's just the friend. group that is it just sounds like this. is not the friend group for you and I. know that's so hard yeah but if you're. around that every day. I don't know what you're I it's going to.

be so much harder to. stop Cup Foods Dairy Queens liquor again. liquor or twins Legend twins. Legend uh McDonald's Cub Foods Alm Draft. House Almo Draft House getting some. coffee go to the golf course go to the. golf course let me get guess we're. drinking and smoking on the golf course. oh Portell hot dogs China Panda Elmo. draft what the Elmo Draft House Elmo. Draft House I love Elmo Draft House. you've gone more than me this year.

McDonald's continues what's holiday. stations uh it's a gas. station that is probably not gas with. that. price animal Draft. House. DQ DQ Portillo's Hot Dogs got our chili. dog looks like hotel booking company. where the are you going maxed out credit. card um well I was going to go to Vegas. but I've since cancelled that trip thank.

thank why did you cancel cuz I didn't. have money to go that's certainly a. reason I would rather it be because you. recognize you have a problem and Vegas. is probably not the city for you yeah. yeah no I I agree I need you to go to a. cabin in the mountains or something. Tanner's Brook Golf Course Tanner Brook. Golf Course Tanner book golf course you. golf you you wake. up you go get some breakfast. then you hit the golf course then you.

see a movie in Alo Draft House then you. stop at the liquor store and vape store. load up and then gamble it's like every. day of your. life not every day I mean but certainly. one of those are at least every day feel. like if you don't have fun every day. with something then you're I feel like. you just can't live because again this. is like every day is at least something. oh going to the bar going to the bar. going to the golf course going to the. bar Golf. Course going to to a gas station getting. some bull possibly Bar Bar Bar.

[Applause]. Bar oh that's it thank goodness loss. this year in interest so far is. basically $2,000 just from one. card I mean I I could start you know. just I have a membership to a golf. course so I don't have to pay for golf. all the time but it's just another thing. like me and my buddies we love going. golfing and and I love that too now with. the buddies are going golfing again it's. just encouraging drinking. smoking yeah. it's so I just I don't really want to.

get rid of my friends cuz if I get rid. of my friends I feel like I'm just going. to you know stay at home and I'm going. to like start doing like or something I. don't know drugs I don't know like maybe. I'll start smoking we again and okay so. I yeah I used to smoke a lot but and. then but I I'm I don't do it anymore. good but like no I know that's why I. said it' be hard cuzz I don't want. anyone you know feel like they're. friendless and they're alone and and.

that might push you to a worse situation. that's why I'm so scared but they're. certainly enabling you and you're behind. you're surrounded by all these. addictions that you have and you can't. escape so finding friends is hard are. you in. college uh are my friends in college are. you no I'm not in college okay are you. friends with anyone at work um I got. have a couple friends at work but I. don't hang out with anybody outside of. work maybe try. yeah I don't know I'm just I'm not going. to get rid of my friends like as much as.

like maybe they're a bad influence on me. the bottom line is I'm making my own. choices they're not you know you're. making choices though I do yeah. but it's not I don't know it's not like. I'm sitting here and I'm just spending. money every single day as much as you. might think you are spending money every. single day oh everybody spends money. every single day but I'm not going out. and just yeah but sometimes on bills and. utilities yours you you had at least one. bull the day. minimum can look at it you have eyes I.

see them feel free three pages trust me. every day I can fit in three pages what. are you going to do differently if. you're not going to get rid of them. again it's I'm not saying I want you to. get rid of them it's almost more like. just like a thing that's being forced. upon you as someone trying to get better. so what are you going to do differently. then I I guess I'll stop hanging out. with some of my friends but like can you. do that cuz it sounds like a big group I. I can make it so I'm only hanging out. with like two or three of them but what.

do you do if like one Show's like oh my. gosh a Darren showing up today I'm not. going to hang out with Darren's. here I don't know I if that's the way it. goes on I probably shouldn't be friends. with those people like that's not the. kind of friends I want to have anyways. mhm I I don't know it's risky man it's. risky man I would uh certainly have do. you see a. therapist uh no I don't see a therapist. now I think that could be important to. navigate those relationships it's pretty.

good you're obviously not a credit card. person buddy just like anyone on the. show I'd recommend using the Fizz card. just charge card grows credit so you can. be so you don't have to do it this. way also have you ever budgeted in your. life no okay that is clear I need you to. budget you need we're going to make a. rough budget at the end of this but I. need you to sit down on a monthly basis. and budget figure out how what you what. you want your budget to look like what.

you did wrong the previous month what. you need to adjust for the future month. so just like anyone else who comes on. the show we're putting you through our. budgeting program go through the. budgeting program take the education. take the quizzes use our uh budgeting. spreadsheet all of that can also take. our investing program you're obviously. not ready for that yet but you do get a. free100 for signing up which is good. thanks to our uh boys over at mumo love. those guys but go through that learn. we're providing the resources for you. for free for a reason. so please take advantage of that let's.

talk about the second card Freedom Card. freedom to get bent over pegged by Chase. $. 5,124 15 with a $51 minimum to. payment thinking it's the minimum the. payment's not over the hundreds at that. point at this. point what do we have here made a this. one's 0% interest it seems and you. didn't put any new charges on it oh well. you can it's basically maxed out but it. uh okay so it's a.

0% yeah so I took um 5,000 from the AMX. and open that card just to put it on. there for a 0% interest oh so it's just. a transfer from the AMX and then the AMX. got REM maxed out again see this is why. you're not a credit card person I would. rather you until your disciplined with. finances close these accounts take away. any access to credit cuz you just can't. take advantage of it you like you build. up a credit then you use a consolidation. but or more of a transfer in your case.

and then you just build it right back up. again it shows that you just can't. manage it and it's more bad for you than. good yeah I don't know I mean that card. to me seemed like a great idea at the. time which one the the freedom okay but. but it didn't make a difference though. because the money that you transferred. from your AMX you built right back up. again yeah well I think the main reason. I got the freedom one because that's. back when I was on top of my card so. like I transferred the 5,000 C your. cards why did you have to transfer money. if you were on top of it well it it was.

like at the beginning of it getting out. of hand so I transferred it to 0% 5,000. is not the beginning but then this card. was empty when I did that like 5,000 is. not the beginning when was this oh gosh. like seven eight months ago I want to. say 21 uh yeah $5,000 credit balance at. 21 is not just the beginning of a. getting bad that means it's been bad for. a second that's a amount of money yeah. kind of like bull me I mean yeah maybe I.

wasn't the the most uh financially you. know set person at that time but it was. certainly a lot better than it is right. now like it. was you know probably 25 grand less than. what I'm looking at right now you know. people are going to call us twins in the. comments below anytime anyone wears. glasses they're like oh it's Caleb's. twin especially if they're white but we. actually do have relatively similar hair. where your hair you know is a little. more curly in the front and simar. haircut I don't have the earrings but uh.

should get some. earrings and uh and we're both thick so. there's going to be so many twin. comments so many twin comments that's. going to be. crazy total fees is probably the. transfer. fee looks like you have about nine. months in interest starts acing this I. don't think you can have access to. credit you can't manage it you're 22 and. you you. can't and I was your age when I started.

to get out of bad bad debt and then I. learned to manage it and then I you know. have given myself access to credit cards. cuz I I you know I like credit I like. credit scores I like taking advantage of. Leverage but right now it's taking. advantage of you and you're not taking. advantage of. it I mean I I don't know I what like I. don't just I don't know where I'm. supposed to spend money then like how am. I supposed to for a a gas tank when I. have checking account budget but like.

how am I supposed to pay these cards. down and be able to like fill up my car. with gas and get groceries far we're at. a minimum monthly payment of. $768 I do believe you said $4,500 comes. in so I think uh you can afford gas I. don't know what I I mean I got a lot of. other payments too like you know I got. to pay rent and I got to how much do. your rent 500 that's the cheapest I've. ever heard in my life are you kidding me.

kill me now stick a gun in my head. that's dumb that can't be an excuse and. then I have my car payment that's we'll. get to it you know so what other. payments uh insurance and then how. much's your car insurance uh 380 almost. as much as a rent okay great and. then gosh I don't know like oh I have. season tickets to the Timberwolves. that's the a timberwolf a timberwolf. it's a who are what is the season ticket. to basketball Milwaukee no no Minnesota.

Minneapolis yeah not a basketball fan no. no I like. football I like golf as well all right. so we can we can we can Vibe on the golf. game but yeah I'm paying like 1,00 a. month for those is that a professional. team yeah I've never heard of them in my. life but again we made it to the Western. Conference Finals that certainly means. something to someone um but from. Michigan I would think I would at least. know what Minnesota professional.

basketball team is okay interesting you. have season tickit to them yeah you. can't afford that how much is a season. ticket well it's an investment the are. you talking about if you want to take. your investing to the next level my new. investing course is still on sale until. July 1st we're offering the course for. only $97 which is $50 off you'll get. over 55 lessons the best budgeting. spreadsheet known demand portfolio. strategies worksheets re strategies and. I'll give you a $100 Mumu cash reward.

when you sign up with Mumu check out the. link below for more stop buying Sweet. Treats people and start investing well. yeah you know so I'll you know pay what. 14 Grand after huh the 12 monthly. payments of about wait what the are you. talking about wait 14 it cost $144,000 a. year yeah so it's two seats in the club. level no you no yeah that's what wild. but here's the thing I can sell wild and.

I can see you're almost proud of it I. see it on your little face but I you can. sell them for a profit I made money last. year so you buy the tickets and then you. sell them so you don't even I sell like. half 14,000 you know how much that is. compared to your. 50,000 that's insane okay so last year. you made money how we doing this year so. far is the finals like right now or. something no the finals are over they. just ended how'd that go we did not make. it to the final selling the ticket. selling the tickets oh selling the.

tickets I don't give a the team made. it um I mean it went well I probably. made like four or five grand in profit. this. year and that was aw how many years have. you done this this is uh last year was. my first year um doing it where I've. been selling everything but those were. also seats up in the nose bed so I only. paid about um 1,700 for the whole season. and now we're doing 14,000 I figure I'll. just make Mone 1,700 to 14,000 whole the.

fing risk that is for someone making 50. to $60,000 a year that's so much money. that's so much risk yeah how'd you pay. for it uh credit card oh what credit. card uh the next one the Discover. oh I I actually thought you had two. credit cards I forgot got a third one. thought we were getting to the car. payment the Discover discover it. everyone's. favorite discover how to balloon a.

credit card balance on basketball. tickets. 2,747 that doesn't make sense you said. it cost $14,000 well but I pay in. monthly payments of 11100 a month so you. finance it and you pay your financing. payments on a financed card so the loan. that the timber give you is free like. they don't charge they don't charge you. that you can either pay it all at once. or pay it in 12 months either wait you. finance it and then the payments for the. financing you're using a credit card.

which is financing you're financing a. financed. payment I guess I. am. I yes yes you. are $82 minimum monly payment and there. is interest creu on this so that payment. ain't free $24 of Interest fees of. $41 then. $2,825 a purchases kill me. now and have you made money from this so. far. uh this not last season no because well.

you can't you don't get to sell your. tickets till the season when the season. start uh I believe for like October or. September around the same time football. starts so until then you're paying. $2,825 a month until the fall yeah how. are you paying for that let's say you. even do make a profit cool how do you. how do you pay for that cuz there's a. $3,800 limit on here how do you pay for. that. I well that's the Discover is the card. that I really try to attack with the.

payments like I I want to remind you how. this part of the conversation started. for a second because that actually just. pissed me off now that I'm actually. remembering it you said it's because of. my bills I I can't pay I can't pay this. I can't pay these credit cards off. because of my bills what are your bills. oh $500 for rent Benny's for rent oh you. know $300 for car insurance that's. actually kind of an expensive car. insurance almost as much as your rent. but you know we still have thousands of. dolls to play with oh you know I just. finan. 2,82 $25 a month for season tickets of.

of game that doesn't start until late. fall what the now that's a bill you're. right and that's a stupid bill for your. situation cuz it's going to take you a. long time even if you do make money I. don't know how you're how are you paying. for it until then well that I just every. any payment I make on my credit card. usually goes minimum payments and then. anything extra goes towards that one so. that I can charge charge the next month. to it but what what happens when that.

you lose it in a gambling thing and you. can't fully make the payment and then. you're obviously not fully making the. payment because interest is acre anyway. so you're not making the full payment so. it's still going to get bigger and. bigger every. month what is happening here there's no. refunding this is there uh. no. me can you sell these now just so you. know you at least break even. this is so risky for your position.

listen it's a hustle I do get what. you're saying I'm not saying you're. going to completely fell from that. specifically of the Hustle but in your. situation you can't pay for this right. now I you've you you've put yourself in. one of the most risky situations I've. ever seen for. purchases well I'm a gambler at heart. you know yeah you are you certain the SC. and that's not going to be an answer. that I'm gon to accept Timberwolves. tobacco bar grill Portside restaurant.

Portside restaurant Portside restaurant. MCD doubles Timberwolves animal Draft. House Timberwolves game pass um 10 bucks. okay yes I thought no and then there's. Game Pass. 30012 is that yearly yeah is that that's. a. year expensive or it might be 6 months. but I think it's like 30 bucks a month. is what it game gone up to $30 a month. okay you can't afford it Almo Draft.

House and Timberwolves again kill me now. kill me. now to. 30% this harmers. me I mean it can't be it can't be that. bad I mean are you serious are you going. right now what the are you talking the. absolute worse what are you talking. about like legitimately what are you. talking about that is what are you. talking about see no no what how do.

you what do you mean buddy do you not. understand that you can't fully pay off. that card all the other cards are maxed. out you can't fully pay off that card. you said whatever extra I have I've put. towards it but it's not even all of it. so you can't pay it off and every month. this is going to hit and hit and hit and. hit until late fall when you can finally. sell it and until then this balances. goes up and up and up and you're already. close to maxing it out so it's. potentially only a couple months away. until it's maxed out then you won't be. able to make the payment that you.

financed Through The Temper. wolves what do you mean it's not that. bad how do you possibly mean that that's. going to ruin. me what do you me I don't know I I think. that's insane I just think that if I can. you know get through five four five. months of you know just making these. payments I don't think you can I can and. I will I how mathematically it's not. looking great it's not looking great but. I'm going to fight a way the are you. talking about I'm I'm not going to lay. down and die I'm going to find a way to.

make the what's your way well I don't. know I'm going to go get another job. prob a great plan I don't. know I'm going to go get another job I'm. going to start working more I'm going to. start making more scheme of viers you're. going to have to go work three jobs now. just to do be able to pull off the. scheme you know I mean I should be. working more than an average person with. this debt should I not you should but. you're not doing it for the debt you're. doing it so you can this Timberwolf yeah. because when it comes time to start. selling the tickets I'm I might make 30.

grand this year oh might was a very. powerful. word that's an interesting word why. don't you say it again I might make 30. grand this year on the top end yeah yeah. that's. a your life is a gamble right now and. uh I can't help that part very much to. be completely honest I can help people. budget I can help people get out of debt. addiction of gambling everything. everything everything everything there's. not much I can do about that and it's.

going to it's going to I'm going to wake. up one day and see you under a bridge of. 25 and that's going to break my heart no. because that's where you're going you. you gamble everything I don't I don't. think the season T could start a gamble. at all you said the word might you said. the word might that's I was referencing. might as in like talking about top end. of how much I could make I'm going to. make money you're the Trader who made. $200 off $11,000 and then you're like oh.

so let me go ahead and do. $14,000 good. luck what's your car uh 2024 Equinox you. have a 2024. car oh oh no it's. $40,000 buddy that's almost as much as. your. income yearly income that's horrendous.

yeah I need to lube my throat to swallow. all this debt as well I get it. $696 144 is your minimum monthly payment. that's an insane minimum monthly payment. that is more that's $200 more than your. rent that's ridiculous that is the most. American thing I've ever seen in my life. interest rate. 9% so not going to beat it in the market. what do you think the car is. worth.

35,000 yeah probably 23,000 is that what. it's worth do you know or is probably we. don't have your exact Vin but that is. what your car would be worth in decent. condition good condition in good. condition good condition right uh. excellent condition excellent condition. we quoted at the base model though I. didn't know what model you have it's. it's the RS R so it's probably worth a. little bit more than that okay. 27,000 28,000 either way dramatically. underwater well I did roll in negative.

equity with that loan because I oh you. did so I blew my um I used to have a uh. 2013 Ford. um SUV a Ford Edge and the engine blew. up on that and I still had about $88,000. on a. loan so what I just ended up uh rolling. in about 5 to 6,000 in negative equity. into that loan at 9%. that's was huge minimum payment why did. you get such an expensive car uh it was.

just the easiest way to roll over the. was a new car you could have car it was. brand new yeah yeah and yeah yeah yeah. yeah I know that. yeah you couldn't do that with a used. car I don't know if if I I would I don't. think so I don't think I would have been. able to roll it over onto an used car. how much was your credit card debt when. you decided Ed to do this um probably at. like 10 to.

15,000 okay and uh um how much did you. put down um I put 5,000 down but it was. on my credit. [Music]. card. W I want to go take a. nap this is um do we have something fun. for the Post show to lighten us up make. us happy I got jelly beans jelly we have. jelly beans I don't know what the that.

has to do with the post show but maybe. we can get happy because this is the. literal opposite of happiness or now. there's $7 in this checking account $7. we're gambling we're putting down. payments on credit cards we're $7 in a. checking account financing Timberwolf. tickets all right okay all right like at. this point I don't even know what to do. other than just react now like that's is. that's just all this is I'm just in. horror I'm in absolute stunned I'm just. ven we out $40. 980 uh ATM withraw of $980 to the where.

the did that go. Blackjack yep great $7 on our checking. account $1,000 a blackjack sounds great. guys this other account has 200 bucks in. it 256 ATM withdraw $24 where' that go. black. jack a rejected Discover payment cuz you. didn't have enough money try to tried to. pay 1,700 bucks when you're had 224. remember when I was talking about how.

you might not be able to fully pay you. might not you said you don't know you. can't fully pay the Timberwolf thing. every single month and I'm saying that. balance is going to continue to go up. because you don't have enough money to. pay it off well here's an. example cuz that was the Discover Card. you try to put more money to the. Discover card and it bounced this. great I'm going through it right now I'm. going through a mental breakdown I feel. it going to gas station or who oh no ATM. withraw $200. want to bet on it where' that go um. should I enable some betting I'm betting.

that goes the gambling yeah no passport. passport sorry I know I'm I'm I know my. brain's on fire right now I'm sorry I. might need to take a second to cool. down ATM withraw $24 ATM withraw $24 ATM. withraw $24 18 $24 buddy that's so much. money that's so much money that's so. much money I mean you know like. careful careful when it's not like I I.

don't lose every time I I know I need to. stop but I'm the words of a gambler. addict if I've ever heard him that is. the words of an addicted human being if. I've ever heard I don't overdose on. heroin every time guys it's okay I mean. like listen I can't help with that and. I'm not going to hear it I'm not going. to listen to. that and. that's exter Turnal withdraw paid oh. it's a Fe. oh because you were negative in your. account $414 then you're negative in.

your account. $386 we're overdrafting we're. overdrafting guys guys guys we're. overdrafting guys hey chat we're. overdrafting so yeah yeah let's go. gamble $1,000 we don't lose every time. so it's okay it's okay when we're. negative cuz we might win well net. you've lost so I'd say you lost that's. all that matters I I I don't don't think. you understand like when I'm at the. blackjack table when you've lost 10. hands in a row I me maybe this is the. gambler's fallacy but I want to I want.

to bet you know $10,000 on the next hand. cuz it has to hit yeah oh yeah because. you're. addicted which I'm not going to shame. the addiction I just there's nothing I. can do about that you need to go get. trying to make you understand you just. think I understand I don't. know yes it's like sunk cost I get it. it's like that when I'm on a constant. streak of losing it whatever I'm like. ready go just double down triple down. quadruple down cuz I want toing win I. want to be a winner. I get it I don't have a gambling. addiction but I do have an addictive.

personality I get it I'm not going to. shame the addiction but I also don't. know much that I can say on it cuz it's. literally you need to go get help. therapy gambles Anonymous get different. friends there's different suggestions. that I've thrown out that are the basic. things but that require you going and. doing it mhm there's not much I can say. about that and I don't think you're a. heinous evil person for that I don't. want you to think that I don't this. these finances I'll be honest they are. making me kind of die so I know know I'm. I know I get a little Intense or.

something I can barely do words right. now so I get. it I don't want you to think it's. because of your gambling and addiction. though I. understand that that is less of a choice. but it is your choice to go seek help. and that's what I want you to go do okay. especially while our. retirement is. $10.98 yeah. well we're just not gambling in general. cuz what this is is gambling your future.

well see that's you G I used to have. 10,000 in there but at 20 what what when. in. 2021. 2022 when you were 20 10,000 hours is. incredible do you even know how. incredible that is $10,000 at 20 in a. retirement account that's insane that's. well beyond your average person that's. crazy but how is it.

$10 so what I did was I would invest. like heavily into margin so like only. having like 30 40% of my own money there. and then I was like all in on Tesla oh. and it was just happened to be one of. the times it decided to shoot down like. 60% oh you know as stocks do who would. have. thought yeah let's pick one of the most. volatile stocks that's great to better. our entire portfolio you didn't do like.

meme stocks and stuff did you that's hot. right now that's right when I got in was. during the gme oh did you buy at the. peak I I bought at 170 sold at 180 and. then I bought at. 330 and the whole stock market crashed. on me or gme did gme dud if you're. anything like me you hate seeing a. statement full of subscriptions on top. of subscription itions on top of. subscriptions every single month it's. like your money is getting drained by.

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the time 2023 came around I literally. didn't have like any money in invest was. it 10,000 that you put in or uh did you. earn did you get 10,000 from gam it's um. I it I put in at least eight grand I'm. not 100% sure that's so much money. that's actually that's really that's. really good no like I was I like back. then that was before I had credit cards. and everything I was actually putting in. like $200 every week like I was I was. forcing myself to invest W.

incredible I wish this wasn't the past. that we were talking about I do too I do. oh you could be in you could be oh man. the rock the ride in the market these. last what six 12 months it's been saying. you'd be making so much money just. sitting in the S&P 500 you'd be making. money. gosh and the Heat at this conversation. somehow my phone fell on the floor. that's how intense this has been since.

October uh 2023 we've gone from 410 in. the S&P 500 to. 546 that's the time of filming those buy. at the when the market was going down. all 2022 yeah that was the rough year. once that got to its bottom it went from. 357 to the 546 now oh man if that was. just sitting in the mark. [Music]. Market why is it at 10 now how do we get.

how do we get to 10 though um so like a. lot of the I basically even though I'm. in the stock market you know I'm. gambling so I'm doing calls and puts. trying to guess the short term what's. going to. happen and no shocker I'm not a genius. on Wall Street so I lose that money even. the genius is barely beat the overall. market. so okay do we do this.

anymore no now I just I I sit there and. watch the $10 in the account I don't. even think it's invested have you. learned your. lesson cuz that would be the important. thing here 22 it's it's it's still okay. to start fresh around now yeah even 25. like I'm happy with that uh 30 sure so. it's not like you don't feel like you've. lost your life but it's important did. you learn your.

lesson yeah I I think I've learned my. Les or I'm learning my. lesson. um I don't know it's if I if I could. just get back. and really. start you know focusing on my budget not. going out to eat okay speaking of going. out to eat Noah just told me you're. getting barbecue after this buddy. barbecue is expensive can't afford it. can't afford it you can't afford it yes. we give you travel reimbursement but you.

set for the travel you can't afford it. where were you going to barbecue uh. Interstellar interstellar's. good I know you can't I got to eat. something like I'm do that don't do that. we already had the ther talk we already. had the thermos talk I promis it was. grocery stores in Austin inter seller is. going to cost you money like if you get. the full experience there it's going to. cost you money money barbecue is. expensive I don't know about across the. country but Texas barbecue is expensive.

cuz brisk is expensive beef ribs are. expensive you can't do. that how long have you been here uh we. flew in yesterday we or flew into San. Antonio yesterday how much money have. you spent while. here um probably around. ,000 oh I went to the Mother Ship last. night and who was performing last night. Joe Rogan and friends oh yeah it's a. good show Shane Shane oh it was awesome.

it damn it I don't all show Jo Joey Diaz. and Tony and it's still a great show n. it's a good show but I love. gilas but yeah I kind of jealous I. wouldn't have done it if I were you cuz. I don't know where you got that $800. from. $800 it well the drinks there are quite. expensive yeah two drinks minimum well.

they didn't really hold that minimum key. word I'm sure you went well above Beyond. okay don't get barbecue you're going to. make me want it go back and see the show. cuz I want to I want to see. Shane is it bad that I'm like was. planning on going there again tonight. yeah you got tickets again. no well we did the standby line and it. actually worked.

yeah an hour and a half before the show. and then you don't get in until 30. minutes after see we waited like two. hours so you didn't get the opener okay. that's. fine I mean I just I'm struggling here I. mean you you want to make more money. like what's your career plan like cuz. you said my goal is to make more money. and you might need to make more money to. get out of debt what's your career plan. it doesn't matter if you just drain it. all down the drain uh gambling but you. know what's your plan cuz right now.

you're stocking shelves or whatever and. pizza driving um I'm looking into. working Old Dutch full-time um doing. what just this is my same weekend job. but just the Monday through Friday as. well okay um otherwise I'm also been. looking into just like working at Cub. Foods grocery store up. north working like uh overnights or. something okay about I'd be making life. what do you want to. do if if you want the grocery store life.

that's fine people make great careers. there actually HB down here people. actually make good careers there so. that's fine it's typically not what you. hear so I just want to make sure MH I. don't know I like I I've always worked. in the food and retail industry so it's. like what I'm used to I don't. necessarily know if it's okay what I. want to do totally fine listen if you. ever want to take a tech certification. course through course careers I'm happy. to put you through that for free and see. if you learn something else that you. want to go through that's fine I guess.

I'll do your budget cuz I do every guest. budget. [Music]. um I really don't think it matters here. I'm going to be honest because you have. to deal with your addiction first yes. you have major behavioral problems of. spending money in food but again if you. have that extra money I think you're. just going to gamble in anyway so I. don't think it's and then you did the. stupid thing with the the the. seats and you don't even seem to think. that that's wrong or bad so it's just. like I don't think this matters but I'm.

going to do it for you anyway $4,500. budget okay debt minum monthly payments. let's get this $696 for the car that. one's obviously ridiculous and. 14 the Discover was $82 and $51 for the. freedom and. $717 55 for the AMX. 1,000 1,000. $546.

69 okay how much for rent is 500. utilities uh no utilities dude you have. the rent dream my goodness Minneapolis. is cheap apparently what I'm like uh 45. minutes north of Minneapolis yeah 45. minutes north of Austin is 1,200 bucks. okay. whatever internet uh no oh my gosh. renters insurance no live in the. D why why um you should it's safe to get.

renters insurance I'd get that I'm going. to budget 10 bucks in for that uh gas. vroom vroom drive drive skirt skirt zoom. zoom uh month um. probably. 250 car insurance it was a big one 380. yeah I don't like. that uh phone.

bill uh my parents pay for it good we. need when you need to get your own do. helium for 20 bucks a month trust me 100. bucks for your TP fund anything else you. need to. survive uh you further put those in. different buckets when you do your own. budget $300 for groceries is perfectly. fine use our meal plan you adjust it for. what you need but $300 is perfectly fine. I promise you subscriptions and do you. have any pets um I do have a dog how. much a month for food like nothing maybe. he's a small dog.

he yeah 20 I guess uh pet. insurance oh gosh whatever that is. probably another 20 okay 20 anything. Jim um I'm on my parents. gym Medical Healthcare prescriptions. co-pays no okay anything else I need to. put in your budget that I did not um. well there's the Timo of tickets which. are month one I don't know if. you're for the Timberwolf buddy you're.

at. $3,126 you could pay off your. debt insane amount of time how much is. the Timber wol tickets um guess 11100. that's the most ridiculous stupid thing. I've ever heard in my life and now all. of a sudden we're at. $4,225 giving you. only. $473 or sorry $273 $3 a month we had. $1,373 a month but you decided not that.

let's only have. 273 the car the car you might be able it. depends what your car is actually. worth I think you borrow. $23,000 potentially as a personal loan. or car loan or multiple you sell this. car you use 13 of that to pay pay it off. and then you go get a $10,000 car that. you get a mechanic approved that it's. going to last and be safe for a few.

years to. come that's the potential way to get out. of that situation make it easier then. you owe $23,000 instead of $40,000. interest rates going to be higher. minimum three payment is going to be. probably around the. same but it's a lot less debt to pay. off. yeah the the payment would be the same. on a so I'd be taking on a loan for. $23,000 yeah. and or multiple but yeah and then. selling the car for the using the over.

and then $110,000 car so essentially I'd. trade 40,000 for 23,000 if you can get. approved yes okay which obviously that's. a substantial dip if you can get out of. this ticket thing and I know you really. do not want to and you might make money. yes but you are putting yourself in such. a precarious situation until then it. doesn't make sense I would get out of. debt before you try those that's. essentially let's pretend it's like. owning a business I would want you to. get out of debt have a fully emergency. fund before you do that anyway so what I. would do is I would try to sell that it. just break even price now just get out.

of it so you have the extra money to. throw it towards the debt then pay off. your freedom and Discover card in the. matter of just a few months and then. grind away at the AMX well shouldn't I. wait on the freedom until it it hits uh. interest. occurring cuz that one's zero% right now. yeah so what you could do is um in. whatever debt payoff method you decide. to do well again I'm really I'm I'm kind. of honestly rushing through this part. right here because I really don't think.

any of this matters unless you do the. gambling thing I don't think you're. going to get rid of the tickets and you. have to be willing to get rid of the car. so there's a lot of things there mostly. the gambling thing but either way sure. yeah kill the Discover Card start paying. as much as you can towards the AMX at. that point and then when the Freedom's. coming up wipe it off before it hits. interest and then continue to paying off. the AMX and then the. 203,000 in personal loans that you have. for the car then you're debt free have a. fully funded emergency fund start. contributing 20 to 25% a month to. retirement just I'm not going to tell. you what to invest in take our investing.

class take our investing class it gives. you good. ideas. and explains lots of different. investing strategies that professionals. use one thing I promise you is it's. not single stock Bull and meme stocks. okay I want you to be able to retire. that's what I would do but I need you to. go talk to a therapist now I need you to. potentially change friends I need you to. at least have a conversation with your. friends saying you just can't do this. anymore you're destroying your life and.

maybe they'll understand if they don't. then they're not your friends to begin. with I need you to potentially go see uh. go to a group for this gambling thing. because again I mean you took out $1,500. this last month for. gambling minimum and that's obviously we. just can't do that right now you I mean. you're going negative I mean in terms of. your. spending. uh so again make what 4,500 net but what. went out total including debt going up.

and what you're doing with the gambling. and all this stuff was. $8,000. like it's a bit more than. 4,500 yeah I don't know man that's what. I need you to. do if you don't actually put in the work. to try to actually save yourself from. your addictions and I am not the expert. in that I need you to we can connect you. with resources absolutely but I need you. to go pursue the actual help for. yourself and if you don't do.

that I don't think there's a actual. sustainable future here and I'm that. breaks my heart you can live a great. life it requires some sacrifice and you. actually going and seeking that help and. I hope you do and I hope as we do. follow-ups you can come down here we can. do virtual whatever it's up to you that. we see substantial progress and that. you're getting help with that other than. that I don't know much else that I can. do for you right now but it's definitely. definitely a telling story for many of. the people that are watching it um let's. get your Hammer Financial.

score you said is. zero and the debt U the spending in a. buet I mean it was $8,000 versus 4,500 0. out of 10 the debt The Temper wolf thing. is absolutely stupid Beyond risky with. the car um no collections no IRS debt so. it's a one out of 10 emergency fund. there's nothing in savings correct no 0. out of 10 retirement $10 0 out of 10. real estate there nothing 0 out of 10. hmer Financial score I'll round up be. nice 0.5 out of 10 make sure to check. out all the resources Linked In the. description below as they are what I use. or what use in specific situations.

including the best budgeting program and. best investing program where you get a. free $100 shumu gifted to me through you. gifted to you through me through them. whatever though doesn't matter this. episode's been wild let's go to the Post. show today on the financial audit post. show this is strawberry banana smoothie. or dead. fish oh it's actually really bad oh it's. really this actually blows soci maral.

all righty darn shame like the only win. on a gamble that buy huh that's kind of. up we're doing this with. you to watch the financial audit post. show click the join button below.