Delusional Creature Dying In Poverty | Financial Audit

We are in your corner and you took this. last year and you said no, I'm going to. come back on him. Nothing's done. You're. just going to piss about someone's. situation, not their actions, but since. you've been on here and chose to do. this, I'm upset at you because your. future matters and you chose what you. did that it clearly doesn't. is Candace. I'm 34 years old. I'm from. Temple, Texas and this is Financial. Audit. So, what do you do for a living? I am a product photographer. Product That's right. That's right. Yeah. Okay, so I mean I have I have your.

whole thing. We watched your episode and. we're coming back for a follow-up. Is it. a follow-up? This is. You do not have to have seen the first. episode. This is like any other. financial audit. So, here we go. We're jumping into it. So, you have product. Now, you were making. $48,000 a year last time or $4,000 a. month. What are you making now? So, I think now it's like just under. 50k and I bring in. Well, it was just under 50k. Well, Well, so you got like a thousand five. hundred more?

Yeah, yeah. Okay. And um. so, post taxes I bring home 3,000. and then. 200. of Well, 100 of each of my checks go. into SoFi savings. Just so I can have like. it automatically goes in the savings. So, I don't even see it. It just goes in. there. I don't think that was a part of our. plan, though. No, it wasn't a part of the plan, but I. wanted to. Then why are we deciding to.

do that, especially when you've gone. into more like debt? Well, I wanted to have an emergency. fund. I I needed something. Yeah, you didn't have a one month saved. up? No. Okay, well, one month saved up, obviously that is a part of it. So, it's been a year. Yeah. Give us the rundown cuz this doesn't. look like things are fantastic. Um. By any means. It's It's been a year, for sure. I've. definitely. done a lot more and accrued a lot more.

Not Not a lot more debt, but more debt. Why? Well, I I I didn't mean to. Things just. happened, and I didn't have an emergency. fund, so I couldn't pull from that to. fix it. on average, the people who have sat on. this desk and left pay off $8,500 within. 7 months. of bad debt. Why the [ __ ] you? Uh. I'm working on it. Okay, come on. No, no, no, why not you? I just. Working on it. It's been a year.

Yep, well. I. You'll get You'll see. You'll see what. I've been up to. So, the hard part, just for y'alls. information out there. So, my team does. a deep dive on the follow-up guests. Uh. usually, you know, we all do beforehand, and then uh but I like to come to the. follow-up blind, cuz I want to know. what's going on. But. Right. I was told that the debt situation is. not great, and I was prepared for that, and now I'm Okay. Okay. Okay. Ah. Ah. Yeah, that's right. Okay, so you're. 16 It was a.

If you kept your current income, and. your income only went up barely, it. would take 16 years to pay it off. So, you had to double your hours to get a. side gig to make any progress. So, for your solution, if you took up. some more hours and snowballed your. debt. So, So, what did you do? Have you gotten. another job? Yes. Yeah, really? How much? What are we. doing? I'm doing Instacart on the side, like. Okay. What I mean. No, I know, I know. That is just a. little less predictable, though. So, but. that's okay. That's okay. What What are. you bringing in on average?

So, average per month, like I work. weeknights and weekends, and I bring in. Every day? Yeah, I mean, if there's orders with Oh, heck yeah. With good tips, I do it. is that in Temple? I'm sorry I. interrupted. No, it's okay. It's um it's more popular. than I thought. So, uh on average, it's anywhere between an. extra 400 and 600. a week? Oh. I wish it was a week, but. Is that the proper side job then instead. of working hourly somewhere in the. evenings?

So, I work my regular 9:00 to 5:00, and. then as soon as I get off, I get online. with the Instacart, and I just get. orders. Like my average is. You said extra 2 to 300 or 300 to 400? What was it? Per How long? Per month? No, extra 4 to 600 a month. 4 to 600 a month, okay. Yeah, I try to get at least. How many hours do you think you're. working? Um it varies. Like. How many hours on average are you. working? 4 to 600 hours a month, how. many hours on average are you working? Uh it's.

I really can't say. Come on. I don't know the hours. I just know the. money. average. You're going It's a normal. week. What are you doing? How many. hours? It's It's every day, right? It's. every day? It's not every. Okay. 8 to 10. a week extra, maybe. Hours? Maybe. I don't know. It's not a lot. I just I get good tips, so. Well, if it's 10 hours, then it's you're. getting 400 bucks. Well, that's 10 bucks. an hour. Yeah, no. I mean, I usually. Okay. But then, depreciation on your.

car. Yeah. Gas. Right. And you're setting money aside for. taxes. Sort of. It's important to stay up-to-date with. the latest news, especially if the news. may influence your money. With that in. mind, I'm excited to introduce you to. today's sponsor, Ground News. I only. partner with businesses I believe in or. trust, and Ground News is a game-changer. when it comes to understanding news. biases and breaking free from the. influence of news algorithms. Their app.

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unlimited advantage plan. The same plan. I personally use to stay on top of. current events. At less than $1 a month, it's a teeny tiny investment for huge. insights. That's ground.news/caleb. or click the link in the description. below. Well, I mean, I talked to my tax guy and. he was just like, "Set aside a little. bit and then make sure you track your. mileage and we can. Okay, so that's a start. That's basic. level. Yeah, so. I I don't know. How. Walk us just.

Okay. We were CareCredit 181, Bank of America. 546, Best Buy 1,905, credit union 8,721, student loan 73,100. $77. Mortgage 117,000 hours and you owe. your family $9,000. How are we looking. today? Just how is your life? Just give us the. last year of Candace. Oof. Um. I I feel better. I feel like I'm in a. better place. Maybe not financially, but.

I feel like I'm more. aware of. the bad decisions I've made. Um. I definitely still. track everything. But track everything and more where. then why. sorry continue. It's okay. I uh. I I'm not perfect and. Okay. Look, I'm not perfect. Oh, this is such a bull. That's such a. cop out. That well, that's what I got. I mean, I. can't really I did what I did and I.

can't change it. I walked over there and I punched you. and I was like, "Sorry guys, I'm not. perfect.". Uh. That is not an excuse, is it? It's not a. reason. No, I Please don't punch me. I I would never punch you. I'm not I. wouldn't cuz I'm not a physical anger. kind of person. All right. That's just an example of just like. you can't just You're not out because of. that. You're not just. What do you mean I'm not out? You're not just excused because of it. You can't use that as a cop out. How So, how are you tracking things?

Every month. No, no, no. How are you tracking things? How are you more aware of your issue, but after 365 plus days. Okay. Let's open your financial. situation. at look. Your Hammer financial score is one out. of 10 last time. What do you think it is. today? Two out of 10. Really? So, you've improved. You're. telling me you've improved. Yeah. Things have had Some things have. improved, some things have not. You'll see. If you want to get your Hammer financial. score, you can get it for free in the. description below.

Okay. Texel. This is a credit union. Right. through the credit union. Yeah. Let's compare it to the last one. I have a checking and a savings there, too. Balance did go down. Not as much as it. should have in a year. Not as much as it should have in a year. But I'm glad to see there's no spending. on this. No. I just paid 250 a month. Minimum being 119. Okay. Yes. Why are you putting a little extra to. this one specifically? Like, what's your. process that you've been trying to do? Yes, you brought it down from 8,721 to.

5,916. We can celebrate that over the. course of a year. Maybe not, but. a little bit. It is It better. It is It. is better. I So, let me absolutely just. When something's better, it's better. Right. Now, why is it not more? Why Oh, why haven't I paid more? And why are you putting a little extra. to this? What's your strategy? What's. your debt payoff strategy that you're. trying to do? Um I'm just That's just what I had. calculated was a good amount, and then I. could afford to put towards it. What was your calculation based off of? What were you calculating?

Good amount how? What was the math? Just I wanted to pay more like. Why? Instead of extra debt. We talked about. snowballing last time. This isn't. snowballing. What is this? Avalanching? No, cuz you'd be putting everything. towards one debt. You're just putting a. little extra to this. So, I'm confused. Why'd you leave here? We had a concrete. plan to get you out of debt and change. your life forever, and you're like, "No.". I. Honestly, it went a little fast last. time. Yeah, but the video is there. Yeah, I know. You could have emailed.

Yeah, I know. There's the Discord. should have followed up. And you get the budgeting program for. free. Yeah. I. I I didn't. you with resources, man. You had us at. your full disposal just like any other. guest. True. And you get like the [ __ ] like what I. legitimately think is like the best. online budgeting program in the world. Have you taken it? No, not yet. You get it for free, and you haven't. taken it, and it's been It's existed for. like 4 months? I didn't know. What do you mean? I didn't know I could get it for free. What do you mean? We reached out and. gave it to you. You might have. I I don't check my.

emails a lot. Well, are you in the private Discord? Yes, but I don't know how to use. Discord. Okay. I'm Look, I'm 34. I don't I don't. I don't know how that works. years apart. I What? know what how Discord works. 34 is not like you're 90 in a rocker. What? But it it's fine. It's fine if you don't. know how Discord works. The excuse of. being 34 was weird, though. Like that's. some ancient number. I don't I don't do those type of apps. and stuff. That's okay. You should consider joining. it, though. Just I'd watch a 30-second.

YouTube video, and it's very easy. Have. you ever used Slack in your life? No. What is that? I just thought you may have in the. workplace. No. I'd rather just be hanging out in my. rocker. You okay? Huh, this is we're just going there's. just a lot. Okay, no worries. But. you did put $250 to this and that is. more than the minimum monthly payment, so I am happy about that. I I really am. I'm confused on the process that I want. to look through, but. Okay. we're like 33 bucks a month is lost. Okay.

CareCredit. That's that's a big one. My dog had to have emergency surgery. Oh, no. Yeah. What happened? He had a punctured salivary gland. in his neck and it started it started to. swell and it was like getting to the. point where it could cut off his. breathing. Oh my gosh. So I had to bring him to Round Rock sent. like a specialty vet. To all the way in Round Rock from. Temple? Yeah, cuz my his normal vet couldn't. take care of it, so we had to do. emergency surgery. Wow.

So that's why that. surgery go? How's the pup? Oh, he's great now. He's a big old. floof. Big old floof, what kind of dog? Husky. Why did I recommend getting pet. insurance to you specifically? I don't recall. I recommend it to a lot of people with. pets. It saved me thousands of dollars. and it would have saved you thousands of. dollars. Oh, yeah. I know. in the future. Let's put it in your. budget at the end. Okay. Pet insurance in the future. I get it. Yeah, no. it. Well, let me see then. Oh, this doesn't make any sense. This is.

the stupidest thing I've ever seen in my. life today, right now. What's that? Your dog was sick. Yeah. You took care of your dog. Yeah. You put it on your credit card. I put it on CareCredit, yeah. That's okay. You didn't have the money. and you're getting out of a thing and. you're not going to let your dog die. Right. Then you go and pay it off as quick as. possible instead of spending $600. in a single month on fast food. You pay. it off. It's okay if you then grind to pay it. off. $600 a month in fast food? Do we.

not remember the conversation we had. last time? What's happening? What's. happening? What's happening? I don't I didn't really think it was. that much. You said you track your sh-. I do. I do. Then no you don't Then YOU DON'T LOOK AT. IT. YOU TRACK IT, but you don't look at. it. Pretty much. Oh, come on. It's more of just like. That's the stupidest thing I've ever. heard in my life. Again. Yeah, well. Remember I'm spreadsheets. That's what. you called me last time. Huh? You called me spreadsheets last time cuz. I like spreadsheets. Okay, then look at them. Yeah, I should probably look at them. Build them and then look at them.

$4,600. $60. When does the interest-free period. of this end? Soon. Uh March 14th. Oh, kill me. And you put uh $250 towards. this on a monthly basis. Yeah. Again, that's a that's a weird thing. Like you're making inc- a little more. than the minimum progress on all these. First of all, it doesn't even make any. sense. This is interest-free and the. other one's gaining like 30% interest. So, why wouldn't that extra money go. towards this? Like what was the logic? Where are you in this? I don't know. Like I don't know how I. came. Explain it. Be like, "This is why I did. it and this is.

and then it happened.". I wish I could tell you where I came up. numbers, but. they. to do if you don't even know how or why? Like what can I like object to and teach. you if you don't know why you did. something? You can teach me how much to put towards. each thing. I already did. You can tell tell me again. How's it going to change after a year? It'll It'll. How? Why? What's different? What's. different sitting here right now than. last year? My headspace, I guess.

Like. Oh, go on. I If I'm told like, "Hey, you need to. specifically put this to this and this. to that, I'll do it.". And how is that different from last. time? When you very clearly did not? I don't I don't think I had specifics. last time. So, maybe this time. No, no, no. We talked about going. through the snowball method. We talked about needing to get the. income to a certain point then we talked. about going through the snowball method. Snowball method is very clear. That's the one where you do it one at a.

time, right? Okay. Okay. Okay, maybe I just. no. If you don't know it is Oh, well, that's a nice little surprise. See, I was getting all upset. But this has made me happy. Any chance the pup is here? No, he's not. here. Oh, dang. That would have been awesome. Sorry. It's okay. Next time. Next time. If. Next time you better. It better be paid off. Yeah, hopefully. Bank of America. This is basically I. mean, it was the smallest balance. What's the point of having a balance on.

No. No. See, all the progress you lost. on the credit union or all the progress. you made on the credit union is now. lost. It's ruined. It's destroyed. So, what the. So, I've been using my Bank of America. credit card as like my every day. spending on anything. What the. Why? Because I. You're losing $68.17. in interest. How is this possibly your. spending account? That's aggressively.

dumb. So, it wasn't I didn't always have a. interest accruing. No, last time it was $400, $546. No, $546. you were at the point. You were at the. point where you could have paid this. thing off and you would have had a. credit card paid off. That would have. been so awesome and we could have hugged. and it would have been great. Instead, you come here and this. This is it. $2,286.97. that ruins me. That ruins me. 34, you're. ancient. 34, you're throwing away the.

last year of your life. No, no. I. So, since I was here last, I would use the card and pay it off. every month. I ran Hold on. I ran into. the some issues in November cuz I had to. pay for some extra stuff like I had to. get new glasses and. Yeah, who would have thought? Issues. never pop up, right? know. So, that's why I've been building. my emergency fund. That's why I've like. I've I'm going to pay this off. So, there won't be any more.

choice. There won't be any more interest. accruing. But, it it I I feel bad. because it's recent. Go good death. Good death. only been 2 months of. Good insanity. What is happening? Starbucks, El Pollo. Loco, Amazon, Amazon. Naomi. Buffalo Wild Wings. Natural Grocers is an expensive way to. shop. Buffalo Wild Wings, Jack in the. Box, BJ's Restaurant, BJ's Restaurant,

Jack in the Box, Team Fans Shop? Taco Bell, Starbucks. Green Sausage House? This is insanity. You're trying to pay this off. Why are. you bu-. You didn't change your ways at all. Yes. This is so sad. No, you didn't. What do. you mean? Look at the spending. I'm only. halfway through. Chuck E. Cheese, Weirdos Cafe, Saigon Cafe, Jack in the. Box, Buffalo Wild You go to eat out. every second of your life.

Ta- Taqueria, I can never say that word. Whataburger, Wendy's, Team Fans Shop. again? Susie's. Grooming. Dogs got to be groomed. Yeah, that Okay, I'm I'm allowing that. one. Starbucks, Amazon. Jack in the Box, Pizza, not allowing. that one. Whataburger. Cotton Patch Cafe, Rosa's Cafe, Zaxby's, Jack in the Box.

And I thought you wanted to change your. life and do. do better. I do. No, you do-. If you did, your actions would show it. I know. You're right. That's No, honestly, like I really. year. I went through last time and. showed you just how bad your finances. were so that I could light a fire under. your. so I could get you to understand your. income to debt situation, Yeah. your spending situation, so that you.

could fix your life and I gave you a. path to fix your life and you come here. 1 year later, your spending is as. ridiculous as ever, your debt went down. on one card and it was replaced on. another card and that debt that was. replaced on that card is all bull eating. out stupidity. This is embarrassing. It is. It really is. Like, you don't. realize how much. to you, then why the. You don't realize how much you you spend.

when you're when you're out cuz I'm out. doing deliveries and stuff. No. So, I go out. Last time. Last time we made a budget. Make a budget every single freaking. time. You just follow the budget. It doesn't. You don't need to know how much you go. out to eat because in the budget there. was no going out to eat and you go out. to eat twice a day now, still. So, what's the No. No. How many days do. you think are in a month? How many days. did I just call out? Okay, once a day at. a minimum.

Yes. All right. If that's what it says, then. that's what it says, but I don't I don't. think it's true. are not. There's no tracking. There's no. self-awareness. I'm sorry. I'm I'm going. to be a little rude because this is This. is so [ __ ] sad. You just threw away a. year. Like, you know how much progress. you could have made? You would have been. uh. If you did what we followed, you would have been one fo- Wait, 1/4 of. the way through this and instead. we're in a basically a worse position. A.

worse position. We are in a worse. position. That was a thing that was out. of your control, but you could have. started paying it off, but instead, Jack in the Box. It's not even that good. It's not even. that good. not good and it's not funny. No. This is your life here, dude. This isn't. a content thing. Oh, I know. This isn't a This is your life that. you're doing, that you're actually. throwing away. And you're a guest that. came on my show. You I root for you more. than like anyone else in the world cuz. you came on this show. We connect you.

with resources. We build out for you so. we can get you connected and cheer each. other on and build through education for. free and all this and you can you have. access to us at any and every time. And. every time we launch a product, we'll. have you guys through it. Go through it. for free. We are in your corner and you. took this last year and you said, "No, I'm going to go to Jack in the Box and. I'm going to come back on and nothing's. done.". I I'm legitimately pissed. You're saying. pissed about someone's situation, not. their actions, but since you've been on. here and chose to do this, I am upset at.

you. I am upset at you. I'm upset at you. because your future matters and you. chose through your. what you did that it clearly doesn't, according to you. Sorry you're pissed at me. What How would. It doesn't Be pissed AT YOURSELF. BE. SORRY for yourself. This isn't about me. This isn't even close to about me. So. the channel name is my name, but this. isn't about this or this. This is about. you. I. Okay. Sorry, I am mad. I am mad. I'm sorry. I.

know my emotions are showing like crazy. right now, but this is I'm This is very. upsetting. Best Buy, we're at 1,000. 905. We're at 1,064. So a little off. Paid off about half. No purchases. Thank. Again, a little more than the minimum. monthly payment. I don't know what the. strategy is here. You're making very. small progress and then building up two. other cards. Well, that one is zero interest if it's. paid off within the promotional period.

When does the promotional period end? Um for that one, I believe it's. September. So, I broke it down to where it's $120. November. November, okay. It's $120 to be paid off. by that time with no interest. Okay. That one I know. I vibe with that. That one I know. Quicksilver is new? No, it's I've had it. You didn't have a balance on it. Yeah, but that's going to be paid off. soon cuz. Everything's going to be paid off.

Well, it wasn't. If it's going to be paid off, then it. should be paid off. It It was wasn't for me. What? My mom needed some help and I. But you put it on debt, so you weren't. the person to be able to help. There Well, yeah, but there was no. interest and she's already paid me back. I just It just hasn't hit. Then it would. It just hasn't hit the It hasn't hit the. statement. That's That's the statement. It came out before I. When does it hit? What do you mean? When does it hit? When does what hit? Her payment. Oh, it should be done now.

So, you've paid off this card? Yeah, but I needed to show you because. it was there. Yes, absolutely. Absolutely. Thank goodness. That's risky. I'd help. my mom, too, any and every day. But it. is risky what you did, especially with. the debt situation. Yeah, I just I told her I was like, "Hey, you have until this date and you. have to pay it off before then before. any interest accrues.". And she did. So, this is a. Medical debt. I had it last time, but I didn't think. to bring it last time, so that's.

probably why you didn't see it. Yep. Well, I only see things that I see. True. That was on me. So, it's 50 bucks a month. Yes. What was this for and when? Um honestly, I couldn't tell you. I've. been on it for a while. You don't know what it was for? Yeah, I I don't know. It's. probably a long time ago. I have no idea. what it was for. Probably like. X-rays. Okay. Round to point. Mortgage. Went down by a thousand bucks, but. that's, you know, Mortgage. You're early into it.

Yeah. And we're still at. Man, so cheap. So cheap. $938 a month. It actually went down. It's awesome. It's 909. Wow. Student loans. What is What is the. progress been on student loans? Nothing. It is in academic forbearance. Because I I like I applied for the. borrowers.

defense. And. It's still pending. But there's no. It I don't know. It's It says it's. Borrowers defense. Yeah. Where'd you go to school? Art Institute. There's a lot of like stuff going on. with them. Yeah. That the school. Is like fraudulent, didn't deliver. Yeah. A lot of people are. A lot of people are? Yeah, a lot of people I went to school. with. Huh? What school? Art Institute of Austin. It's no longer.

around. Wonder why. But. When was the last time you had to make a. minimum monthly payment? It saves you on. a monthly basis, truly. I I haven't made a payment in like. 5 years. But this borrowers uh the. academic forbearance is until 2026 or. when it's. not pending anymore. Okay. So that's why I've kind of left it. alone. Ooh, some of these interest rates are. bad, thank goodness. Yeah. Ooh, some of. these interest rates are bad. Debt loves. Debt loves you, you love debt. Credit.

score 740. So that's it. All right? Is there any. more? Uh I believe that's it. Do you still owe your family anything? Yes. I believe that's it. And then. Well, I mean. What do you owe your family? Um. I don't know. I know I I. I'm on payment 22 of 36 and each payment. is $375. You ever missed one? No. Do some basic math real quick.

Do some math. Where's your calculator? Forget about where you're at. So I don't know what you started with. I started with 13,500 was the original. price. 5,250. is my remaining balance. $375 a month. until like mid next year. I think May of next year and then it's. done. No interest. So it went down from 9,000 to that, so. you're at least paying good. Yes. Student loans is the same. Mortgage is.

basically the same. Credit union went. down a little. Best Buy went down a little. Bank of. America went dramatically up. Care Credit Pet Card went beyond. dramatically up. $134 and a checking account. That's. scarier than the mortgage. Uh that was right before my check hit. I have more. That doesn't matter. That's terrifying. That should not be a balance. Well, I still. of an adult checking account. It is what it is. Well, I know and I'm telling you it's.

bad. Yeah, I know. I mean, that's me paying. So risky is. That's me paying off everything and then. Yeah, paying off the that you decided to. go out to eat. $600 reminder reminder. and we haven't even gone through the. other stuff. Yeah. So don't just blame that on bills. Stuff. you're spending and doing. How are the in-game purchases and in-app. purchases these days? Very seldom. Good. Like one a month, maybe. Why? Cuz I mean, that's my pastime. Like I.

don't. you playing? Uh. Township. It's like a little farm. I mean, I don't go out drinking or. clubbing or anything. I just. Yeah, those are the two options. Drinking, clubbing and buying in-app. purchases. Well, you know, that's that's just what. I do. I play my games. I got it, but. Okay. Little Caesars, Applebee's, Tiff's. Treats, Shoot Proof, KFC, Arby's. This continues is. ridiculous. Cash App,

ATM $140. Who knows where the [ __ ] that. went. Another Applebee's, couple of net. purchases, DoorDash, DoorDash. Uh sorry, I always get that at Dunkin. Donuts Baskin-Robbins. Okay. I always read DD as DoorDash. Sonic. Drive-Thru, especially since I'm I've. never been through these documents cuz. you're a follow-up. Cow sir, that might be gas. No, that's a sandwich shop. The uh the ATM withdrawal is for my my. family payment.

Oh, okay. Yeah, cuz I pay him in cash. Who? Who? Who? Who do you owe? Who? You sound like an owl. I'm sorry. I owe my aunt. She's the one that loaned. me the money. And that's who I'm paying. back, and she wants to be paid back in. cash, so I withdraw. Porto's delivery? Porto's? Yes. Uh cuz you Zelle'd someone money for a. Porto's delivery. Oh, yeah, cuz that's only in California.

I was like, "What?" Okay. Yeah, my. friend was in California, and I wanted. her to bring me back something. stupid. $915 in savings. I. It's probably a little more than that. now. What? Give me the balance. Uh uh. It's either $100 or $200 more. So, is it $100 or $200 more? That makes. a lot when it's about a thousand. Well, it's $100 every check. Is it a thousand? $115 or a thousand. 15? To be on the safe side, thousand 15.

Oh my gosh. Okay. Potatoes! Your friendly neighborhood. finance daddy has some exciting limited. time St. Patty's Day crack for ya, but. only if you're not acting the maggot. Okay, so my Irish accent isn't great, so. I'll I'll stop that for the rest of this. spot now. We always talk about how. important retirement savings are here, but remember, it's not luck, it's basic. math. And if you want to get there, you. need to make sure your black stuff, also. known as Guinness, fits in your. 50/30/20. But if none of these are for. you, that's okay. You can still kiss me.

I have an emergency fund. Now, [ __ ] off. Okay, I mean, it makes a big difference. in your situation when we're when we're. about to go through what we're about to. go. through. Yeah. SoFi, killer for it. Killer. Good job. Got that from you. Well done. Well done. Yeah, no, no, SoFi's great. I use them for my high-yield savings, and then. That's what this is. Once you start getting investing, you. can start throwing some money in Moomoo, which also has high yield in that before. you pick what you're investing in. So. that's really cool. That's really cool.

My girl using the resources from the. store or from the store from the show. I did one good thing. I know, I mean, no, no, no, no, you you. put some towards your debt. Yeah. It was just repurposed then again. towards another card, and you're. spending so ridiculously. Like. this isn't a positive audit or this. isn't a positive follow-up. This isn't like uh you've gone. necessarily worse. This is like we've. stayed the same, and that's really. disappointing. Yeah. It's like. I I realized that when I was like.

reviewing everything, and the numbers. they moved, but they stayed the same. Okay. So 13,000 in uh 401k looks like. Yeah. Is this separate? No, this is different. This is the same. It's the same. It was just updated. Got you. Recently. What's it in? I have no idea. 30%? Well, I should look. Sure. Okay. I don't know. I don't know anything. about investing, retirement. Fidelity large cap Yeah, it looks like. you're in.

probably some target retirement fund of. some kind, probably. Good. Glad it's not just sitting in like Never. mind. I'm not going to give investing. advice. That would be terrible. Okay. What the [ __ ] can we do? Wait. Why are my producers telling me that you. want you want a new car? Cuz I need a new car. Oh. I needed a new car last time, but I. Oh. I don't I don't even have the same car.

anymore because it it basically died on. me. So. No. I'm in a. What's your current car? 2007. Chevy Tahoe. Miles? 164. Condition? Um there's a few issues, but it's. nothing that I can't. Gosh. It's bet Look. Gosh. It's. Could you imagine if you just followed. what I [ __ ] said last time? We could like We could like maybe do. something. We could maybe do something. and get you in a car. Gosh, you just made it harder for. yourself. Th- This is what happens for.

everyone out there. This is what happens. when you just kick the can down the road. because just going out and to eat and. getting the in-app gems and whatever and. just the life we're used to, even if you. cut back a little and you just sustain a. lot of the life you're used to, you're. just kicking down the can- you're. kicking the can down the road. Eventually just comes a. You just. Gah, you get to the moment and what are. you going to do? You're going to have no. choice, just like with the your dog. situation, you have no choice but to go. into debt. And when this car breaks down, you'll.

have no choice but to go into debt. And. what are we going to do? We're going to. borrow family money? Like, you know, like yes, your credit. score is good, but your debt-to-income. ratio is not great. So, like. What's a good. debt-to-income ratio? I thought it was. like 30%. You think yours is 30%? I thought it was about 33. Think last. time. figure that out. Let's figure that out. for you. Last time I looked. Debt payments total 20.8%.

or $945. Sure. That makes me happy. Should be much. higher. That does make me happy. That is. progress, you know. Clap of the hands and you can get it. Housing total 27% or $1,227.55. Your phone is $70 or 1.5%. What are you. using? Um it's a family plan with AT&T. Okay. I just started doing Helium. Check. that out. You can do like 30 bucks a. month. And if that cuz it's like what.

I'm earning, you know. Well, that's a phone and watch. Oh, damn it. Transportation total 1.8% or $81 cuz. it's just gas, but that's going to Wait, what about car insurance? Uh. I don't think we have that reported. No, my family pays for that. You're 34. I know. It It It was just part of the. car. Like when they gave me the car when. I graduated from college, they're like, "We'll pay for. Grocery store? Necessary food? 6.3% or. $287.99.

Going out to eat again. 12.8% or. $581.96. Disgusting. Terrible. Nasty. You could. have. added an additional 33% to your debt. payments just with your going out to. eat. And then an additional 33%. You. would have sped it up by 33%. You know. how crazy that is? Unknown shopping. That's usually. Walmart. That's Amazon. It's very hard. to determine what it is. And Target. $306.40. or 6.7%. Mhm. Medical health care $50.44 1.1%.

Savings contribution $332.71. was 7.3%. Um I am happy to see that as well. That. is an improvement. I'm trying. Miscellaneous. Typical just we what we. call taquitos as you know. Yeah. Just definitely don't need. It's a. little It's minimal, but it's an. additional 1.6% that could have gone. towards that. Whereas $72.84. Another. large purchases were 12% 12.9% or. $587.43,

which were. the ATM withdrawal ATM withdrawals of. $400, the pet grooming. Pet grooming's it's hard especially with. the husky. I know the fur. Oh, he's yeah, he's he started to blow. his coat. So, we. And then you Venmo'd out $90 as well. So, that was that's kind of hard to. account for some of that. These percentages are still quite out of. whack. It's the food. It's it's. That's the that's the big thing. It's convenient because I'm always out.

doing orders and I'm just like I get. home late. So, I'm just like let me just. pick something up. But. What if I gifted you like a tech. certification from Course Careers and. you just spend a couple months since. this is a multi-year debt payoff. situation. Like what if I got you a tech. certification or something that is like. an after hours something you can hop. online and do like phone calls for or. something? Yeah. You know? Like some tech sales or. something. What if I did that? I would be interested because I just. went with Instacart because it was. something I can do and I could do it. when I.

Well, I know in Austin you could be. making much more money than you're. making right now. Not from just. Instacart, not just from Instacart. But. right now you're $10 an hour. No. Yes. Oh, for Instacart, yeah. And then that's before depreciation on. the car that's barely surviving before. gas for car insurance usually that. you're not paying for anyway. Yeah. And. uh. Thanks, folks. And then you got to set money aside for. taxes which isn't going to be that much, but. Yeah, I just got my taxes back. I did. them this year already. Okay, you claimed all the income you got.

from Instacart? Yeah. Okay. I I brought everything. got a refund? Yeah. Okay, cool. I I didn't touch it because I didn't. know what you wanted me to do with it. So, I just. A refund's coming? It's here. It's already. How much? Uh 11.56. Okay. I just got it. But it's in my account. I. was like, let me leave this alone. and let Caleb figure out what I should. do with it. I will help you figure out what to do. with it. Thank you. Help me spend my money. correctly. All right, we need to like actually.

If I make you a budget this time, will. you actually follow it? Yes. I just need specifics, not like I. need like you need to put this towards. this, you need. went through our budgeting program, you'd be able to do it, but I'll I'll do. this for you. We'll we'll baby a bit. Okay. Okay. Which everyone needs a little baby. in here and there. I need a little I. need a little baby, all. All right. Well, let's not get people to click off. Yeah, I know, right. Sorry. Say 3,000. a month plus an additional.

Say 500 because it's anywhere from 4 to. 6. Okay. 500. Debt payments total, let's. get it. Let's figure it out. What's. that? Not including mortgage, 119. Gosh, your mortgage is incredible. People. would kill for that. I know. That's why I did all the hoop. jumping that I had to do to get it. You're lucky you're not paying on your. student loans. Yeah. If if if you if that. school is actually a scam, then yes, you. deserve to get them forgiven cuz that's. like unacceptable and gross and. disgusting of that school to sell people. on getting a failed product.

Right. 909 for insurance. Uh 909 for mortgage insurance, property. taxes. What's your water bill, gas bill, electric electricity bill? Utilities, I rounded for 60 a month. Electric. It was high this last month, but I put. two 250. Just to make sure in case it. even hot out. It's cold. You have electric heating? Yeah.

Oh, that's expensive. Yeah. I'll do 200. Okay. Yeah, electric, okay. And internet? Um. 55. And we're spending on gas I've lost it. I budgeted about 100 to 125. Okay, we you did 81, but maybe it was a. lower month, so let's do 110. Okay. Your phone 70. Yes. Car insurance you don't pay for. No. Good for you. Groceries.

300. Same as before. Toilet paper, fun, anything else you need to survive in. life. It's $100. Uh okay, your ongoing uh medical and. health care. What is that? Um the. We had the pharmacy $50.44. That's just for the pharmacy. Yeah, I. have like regular medicines I get every. month. Good. Good. Good. What did I budget? I budgeted 100 just. in case there's co-pays and stuff. Like. if I have to go to the doctor it's like. 30 40 bucks. a lot of medical conditions going on. You don't have to give us the deets, but.

Um not really. I mean, I have like. the normal stuff like checkups and. stuff. I just go do that every. couple couple times a year. to do Okay, I might get somewhere with. this. You do not have to tell us. There. is not a single ounce of pressure. Okay. Well, your medications. What are they for? Um asthma. I've had that since I was a. kid. Yeah. Uh. high blood pressure. Okay, that one. Going out to eat less. will very much help with that one.

Yeah, true. I'm just I'm just throwing that out. there. It's been better. Let's let's budgetly help our finances, absolutely, but let's uh physically. Yeah. So. And I'm saying that as like. chunky ball. So. Over the last year I've lost about 45. lbs. Come on. Come on. Get in here. Um that's awesome. Yeah. Uh eating out less is going to help. And. then to the If you do the uh grocery. budget and stuff that we have in the. class, you're actually going to lose. weight with it. It's it's a healthy uh.

the amount of calories you're supposed. to have on a daily basis. Right. Plus a. little extra too for dessert and stuff, but if you you you know, maybe we don't. do that. Either way. Um all I'm saying is that there's double. benefits. That That's what That's the. point that I was trying to get across. So, there's double benefits to not. eating out. Yeah. um in your situation, which is great. And then that saves you more money down. the road regardless cuz, you know, clinically uh people our size, you know, I can speak of this as someone who is, you know, technically obese. Um that gets expensive later in life.

Yeah. That's why I'm trying to make like. change stuff now to where I can get off. of stuff. Good. Good. Good. Good. And imagine the energy and amount of. money you could make. True. Yeah. Oh, like doing the Instacart shopping? That definitely has helped cuz I'm out. Oh, yeah. You're gone. just sitting on the couch and stuff. I'm. out shopping and bending and lifting and. walking upstairs, so. When I was delivering Jimmy John's in. college, I was hot as.

And now I just sit here. Okay. Cool. So, is that it? Am I missing. anything from your budget? Uh I have like monthly subscriptions. No. Well, what are they? What are they? What. are they? They're for photography and then I have. Spotify. What do you mean no? do you make from photography? It depends. It depends on if I have a. extra gig. What is it? Um. An Adobe subscription? Uh yeah, I have Adobe and ShootProof. What's that second one? ShootProof. It's a way to like. have that? It's a way to.

Does she need that? What is it? ShootProof? What does it do? It It's a way for me to deliver files to. the clients. Oh, come on. $10. Uh you're probably better off doing a. Google Drive subscription or Dropbox. Yeah. I used to do Dropbox, but I like this. cuz. Google Drive? They can pay through it. How much is your least expensive shoot? Least expensive shoot, how much does. that cost? Uh. Like. Your Your clients. Like 200 bucks, maybe? That's That's not worth your time.

That's 1/20. That's That's way too. expensive for a shoot. Way too expensive for a shoot? Professional photographer right there. It's a 1/20 is immediately taken just. for transferring. I'm a professional photographer, too. No, I know, but like he has like a whole. career going on. You don't. I'm sorry, that's not insulting. Well, it's. insulting, sure, but you don't. for a company 9-5 and I have. career. Yeah, I do that on the side. Oh, you do? Do I got gosh, oh my gosh. Okay, well, I was just I listen, listen, it's Friday, it's late, I'm tired, and I. feel like a See, you're right. You do. photography for a living at the top. I.

meant I meant what the extra stuff that. you're doing on the side. Yeah, like portraits and real estate. Okay, whatever. How much for your. subscriptions? I don't even care. I'm. not going to push back. 35. Anything else? Pets. How much? 135. Yeah, you have to. just like last time, you have to make. that extra money because you just break. even. Yeah. So, essentially $3,000 a month to. survive. I mean, it's $2,976, but I. mean, it's probably not 100%. This is. like your loose budget. You go through. the program and you get your solidified.

budget. Yeah. Extra $24 in your checking cap. So, I'd. be looking into different post-work. options. Okay. Like I would. not love to see you do it, but. for the sake of getting out of debt, I would love to see you go work. an extra 15-20 hours a week. somewhere after work. That sucks. It. sucks. But, look where you are now, and. look how no progress basically you made. in the end because of a couple things.

that popped up, which happens in life, but also then you went and spent on fast. food and a bunch of [ __ ] But, either. way, I'll be getting a Bank of America card, right? Yeah. Yeah. So, if you do that, man, you can you can start paying off. $500, which you should set aside for. taxes. Let's say even 100. Okay, so $400, $400 How much should. Sorry. No, go ahead. How much do you. think I should make? Like What What. should my goal per week be extra income?

So, I know. Cuz know I don't know Temple as much, but I would love to see you bringing an. extra. 750 bucks a month. 15 hours a week at like 12 bucks an. hour. Okay. On your extra thing. That's incredible. I mean, then all of a sudden with that. you have essentially a guaranteed $1,000. a month in your pocket at the end of the. On top of what I already have? Oh, you're right. I got to take away. that 500. So, it's extra 250. Okay, so just. get a little bit more. Yeah, when when like.

So, if I set my goal at like $200 a week. for Instacart, that's just what I'll do. If you can, but remember depreciation on. the car that's already in a bad. situation, gas. Yeah. Now, you can sure you can write some of. that off, but. Right. You know, deduct, but either way. I just like that cuz it's flexible. Like. I can work. I get that, but I also like you get in. out of debt, so I don't really give. Well, I mean, as long as there's money. coming in. Yeah, but again, the depreciation. What. happens when that car breaks? Then you don't have that extra job.

with my last car. And then your family gave you a car from. the sounds of it. Yeah. Okay, what happens this time? I'll have to buy another car. Yeah, so we go into debt. So, our. situation just gets worse. I'd rather. you just as much as I hate it. make nugs, throwing those bad boys out. the window, you know? Oh. Like Yeah, I know I say things weird. This is. No, it's okay. I was like, you want me. to deliver nugs? Okay. Y'all, this is the time to switch to my. favorite high yield savings account. With SoFi, you can get 4.6% on your.

money. I hate when my money is just. losing value, so make sure you're. keeping up with inflation at the very. least. You can also get FDIC insurance. on that money up to $2 million with. them. Plus, they'll give you money up to. $300 when you set up an account with. them. There's even extra perks like. being able to get paid a couple days. early. SoFi is what I use when I'm. setting money aside, and it is the. banking app of the future. Sign up link. in the description below. I always want. my money to be making more money, so. don't lose money on yours. Okay, so you. let's say of the 500 you have only 400.

is coming in. Not including your student loans or. mortgage. Yeah, you're like $20,000 of. debt. Insanity debt. Which after the $400 you can put towards. that on a monthly basis. takes 48 months. Or 4 years, which is just about where we. were last time. So, you're doing the. thing where we said where you would be. last time, but that's if you follow the. budget. You're not following the budget, so that's why you've stayed the same. If you actually follow the budget, go. through the program, you can be out in 4. years. And do you know how quickly a.

year goes by? I'll tell you. I just saw. you a year ago. You'd be a fourth of the. way through this. A fourth of the way. through this. That's incredible, but now. you have to start all over again. That's. what kicking the can down the road does. So, now you're going to be 38, and. you're dramatically behind in retirement. for your age. You will be dramatically. behind in retirement for your age. So, what you need to do. listen the next 2 months, the extra. money that you get in, including the tax. refund, you're till you're getting the. tax refund right now, put it in your. high yield. Then the next 2 months, the. extra money that you get, put in your. high yield. Then you have $3,000 saved.

up on the side. That. you know, go make more [ __ ] money and. make it just one more month, but either. way, what you're trying to do is get. $3,000 in there. That's a 1-month. emergency fund in case anything happens. Okay. It's not going to cover the car, but. it's going to if you lose a job for any. reason, you know, you you're good for a month. It gives. you wiggle room to go get just go out. and figure [ __ ] out. Right. So, um. the CareCredit the promotional.

time. ends the 14th of March. And it's like. the one that's due in March is like. 3,000. So, should I just let the interest hit. it? I didn't want to. Is there back interest? I'm assuming. If there is, I would try to attack that. as quick as possible. So that's what I was thinking of using. my uh. tax return to like throw at. Listen, you can. It just.

you're. puts you in a riskier position. Typically, I start this as get the one. month emergency fund because it helps. offset your risk. You can. But. But it puts your risk level a little. higher cuz it keeps you at basically a. thousand bucks in emergency fund which. believe it or not Dave Ramsey is not. even close to enough money and many. people have come on the show and they. did the $1,000 emergency fund and then. they ended up in a worse situation than. they were before because it's not enough. money to cover anything in this world. It's not. So. and they say, "Oh, it's not supposed.

to." Then what's the point? I mean, I. know what they say the point is, but. even still, if it puts you in a worse. position then don't do it. One month. emergency fund or the money guy rule, cover your highest deductible. So. you can. It just maximum It just brings. your risk level up. It brings your risk. level to where it is right now. Yeah. And if you're comfortable right now. shouldn't be. But. I'm not. But that's where it is. And then the. next four months or two months, go make. more money. Yeah, get to that 3,000 from there and. then start paying off the debt. Uh and I.

would, you know, kill the CareCredit as. quick as possible. Yeah. I really just. avalanche or snowball. I think you're. going to be more of a snowball person. Stop putting little bits of extra. towards the debts. That's That's not a. method that works for anyone. Uh cuz you're just going to see like the. feeling of no progress. Yeah. Close your credit cards. You're not a. credit card person. Stop spending your. daily spending on that other credit. card. It's stupid. Budget. Follow the. budget. Follow the program. Join the Discord. Learn how to use. technology. It's a very simple thing. It's like a It's just a text app. It's.

so easy. Please. Okay. Just Just because it There's a good. community there of past guests cheering. each other on, asking questions. Okay. Like just please. It's there for a. reason. And you need help. You don't. You're not in this alone. And ask us questions this time. Yeah, I will. I didn't know. that I I don't feel comfortable asking. for help a lot, so. Well, please, we're here. I mean, our. process is different. Now, we have. producers and stuff that, you know, they're they help better explain what. the post-show process is where me, when.

it was just me, you know, there's a. trillion things to juggle, and I. probably missed some communication along. the way. But. take advantage, dude. This is a. life-changing opportunity. With where you are, the amount of debt you have, on average, 7 months, 8,500 for people. without the high incoming outliers. Mhm. The income out outliers and without the. like selling something and paying off. the debt. We took out those outliers. The average person who comes on the. show, 7 months, 8,500. That's basically.

half. That's basically half. If you follow the. average, you finish this. in a year and a half. Year and three You finish it in 2 years. instead of 4. That would be good. Hopefully, I can get a new car if I do. that and hustle. Don't think about your new car. Drive. this thing until you can't anymore. Well, yeah, I'm going to drive it till. the wheels fall off, but I mean. I harmed myself at some point in this. episode. Look, I'm harmed. I'm harmed. I'm harmed from you not making any.

progress more than this. Okay. Okay. Do you have any questions, any final. thoughts? No, that was really it. Just the care. credit um. deadline coming up and. when you think I'd be able to get a. different vehicle. Afford a different vehicle. So. Well, when can you actually afford it? In this current progress, probably 5. years. And that's not acceptable. So, you have. to go make as much money as possible. I'd get a job where you don't have to. drive. And pay off the debt as quick as. possible. And then.

you can follow the Money Guy rule, which. we can get you set up with, or even save. up enough money to buy a $5,000 car in. cash, catch up on your retirement, and. then get like a 10,000. $15,000 car after that. Okay. That's it? Thank you. Yeah, that's it. That's all you have to. do. Yeah, I know. That's all that. No, I mean like that's that's it with. the stuff. For your turning a budget going to give. you a three out of 10 because you did. make progress, but it's so ridiculously. disgusting. Debt two out of 10 because. you have some family debt, which is. never great.

Emergency fund. You're a tenth of the way there, so one. out of 10. Retirement very behind for your age two. out of 10. At least you have something. Three out of 10. Real estate Glad you have a house. Good. mortgage. Rate is meh. Seven out of 10. Uh Hammer Financial score three out of. 10. Make sure to check out all the. resources linked in the description. below. They are what I use or would use. in specific situations including the. best budgeting program in the history of. the internet. Thanks to all of our. Patreon producers for making this.

episode possible. If you want to. participate in an episode of Financial. Audit and you're able to make it to. Austin, Texas, please fill out an. application in the survey linked in the. description below. You can also send the. link to your friends or family who you. think might be good to be on the show. If you have any questions, you can email. casting@calebhammer.com.