Dumb Blonde Lives in Delusion | Financial Audit

what are you doing making your situation. worse before that medically necessary. $3,000 is about to hit trying to escape. the situation that I was in so that. means going to new day eery and then. McDonald's and McDonald's and McDonald's. and Cracker Barrel this was cuz you're. escaping that's going out to eat every. second of your life this is all in one. month one month on a card that you can't. pay off this Festival that I'm going to. I wouldn't miss for my entire. life uh I am Marissa I'm 23 years old. out of Washington State and this is.

financial. audit thanks for coming down to Austin. so what do you do up there for a living. I'm a truck driver zoom in okay are we. Long Haul are we yeah I'm short distance. wow okay yeah that's a lot but also. could be good money as well what are you. making um after taxes are taken out um I. think about 4,500 a week a week or not a. not a week sorry month oh that would be. cool wouldn't it be pretty cool that.

would be really nice 4,500 a month yeah. I would have no excuses if I had 4500 a. week oh so we're about to hear excuses. okay just a. few okay so $54,000 a year after taxes. deductions all that good stuff let me. see if that correlates with what we saw. so we had coming in. 4,300 $9 so a little less you're hourly. no I'm by the mile okay by the mile so.

a few less Smiles there he had a little. bit of cash app in a little bit of venmo. in as well yeah okay I got scammed so. one of those things is probably about. the scam how did you get scammed what do. you mean you got scammed um I trusted. someone that I shouldn't have trusted. um but okay what happened uh this person. was from the EDM community so I trusted. them but what like boots and cats and. boots and cats that EDM okay yes um and.

I'm very deep into that Community oh so. normally I trust people cuz they're. always watching out for each other one. of their Motts is peace love unity. respect the EDM Community yeah they got. together and voted on that motto yeah I. guess I don't know exactly who coined. the term who's the president of EDM I. don't know. okay if I knew I I would like to meet. that person oh sure um but this person. was from that community and they told me. that they needed help transferring the. title of a car because they were trying.

to sell their neighbor's car and um they. said if I helped them transfer the title. in order to make the sale they would. give me some of the profit from the sale. and so I was trying to help them. transfer the title from the sale yeah. yeah it's a bit weird yeah but um I used. to date like a car guy so I to me it. made sense and I also know people who. don't have enough money to transfer a. title sure so I was like this makes. sense and I also need more money right. now but yeah he blocked me on.

everything so wait how much did you lose. uh. 380 so it's not like insane but still. enough for it to hurt no it's well I. guess I mean depending on your situation. it's not a it's not the most like. egregious substantial hits your inome. end my life but but it also really. depends on the rest of your. situation you said that has to do with. your cash app in and venmo in in yeah. saying you also brought in 227 through.

cash app and then 90 through venmo um I. don't really remember what that was for. okay. well three 4,300 was made how much was. spent more than that you tell me um how. much did you spend for like this last. month yeah how much did you spend in the. statements we saw which is the most. recent month yep uh most recent. statements 4500 oh that's interesting $.

6,633 that is more than I made where the. did that go things that it shouldn't. have but things then why you go there. fun that's not an answer is that an. answer um if it has to do with festivals. I was probably escaping kind of escaping. from my family situation and from your. okay yeah well we'll talk about that in. a second but well how how how I know. you're paid by the M but how often do. you work what what does your work.

schedule look like um so I work for a. month at a time and then and you take a. month off no I get a week off oh and. then during that week you just rage yeah. yeah cuz I work with my ex so that. builds up a lot of pent up energy what. do you mean works with you're a long. haul are you guys dual driver yeah oh. whoa. whoa whoa it's an extremely. uncomfortable situation yeah what is. that like um originally it was really.

painful and then we kind of grew into it. like uh it would be more uncomfortable. to drive with somebody else than it. would be to drive with you but then. because we know each other so well and. does it lead to. moments no not anymore that we're broken. up we've been broken up for 6 months now. but I'm not like okay cuz there's no X. I've ever had this is inappropriate we. we we don't need can I ask an. inappropriate can I say something. inappropriate yeah okay never had an ex.

that I haven't seen again that we didn't. end up doing something yeah and I feel. like driving with that X would be an. interesting situation it is certainly. interesting but we're both adults who. have decided that we don't like each. other anymore um why do you guys have to. be cabin mates we take a uh well I don't. personally want to drive with someone. else because it would most likely be an. older male that I don't know and that. would be a freaky situation and if I.

were to drive solo it's but yeah I get. it yeah yeah but it's supposed to be a. professional situation regardless though. it is like okay it would just freak me. out to be with someone else cuz I know. him but it's still uncomfortable at the. same time so I want to transfer to like. a job that I can go home every day I. actually found a job that yeah you want. short shorter routes yeah and I have my. hazardous materials certification all. right um the job that I had before this. one it was a fuel job so I've got you.

know experience with fuel and like. hazardous materials so there's another. job that pays $40 an hour and you get. overtime so I don't have to go by the M. why don't you do this job why do I do. this one why do you not do that job. right now I am staying with this company. because I have a surgery and I have um. what surgery a jaw surgery so I have. coming an over bite yes probably October. or November and it's with like I have my.

insurance through this company and I. went through the pre-approval process. which took a very long time and was not. fun so I don't want to do that again. have you ever Googled yourself I did and. man the amount of personal info floating. around is just mindboggling data Brokers. are out there selling our details names. emails addresses even health records. it's all up for grabs that's why I've. been using today's sponsor Aura this gem. shows me exactly which data Brokers have. my info and helps me send opt out.

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company couldn't keep my data secure so. whether your data is being sold or. leaked Ora has you covered here's what. you got to do go to aura.com hammer to. start your twoe free trial don't just. take my word for it check it out for. yourself and take control of your online. presence today it's Peace of Mind people. thanks again to AA for sponsoring this. video how much is that going to cost you. out of pocket um so I've been. considering that uh what do you mean. you've been considering I thought you. were doing it well I've been considering.

how much it is going to cost how much is. it going to cost 6,000 out of pocket. it's 32,000 and I have a high deductible. health insurance plan yeah I've been. working down my high deductible by going. to therapy and stuff so it's going to be. less than 6,000 now because I paid part. of it with my HSA five like. 3,000 okay it's still a lot of money. yeah um and I'm going to have to not. work for two to three weeks.

that's the thing that I'm most scared of. yeah well is there not I mean you can't. take there's no paytime off I do have. PTO but it's not going to go out for the. whole time and it's also not as good as. what I make so educate me on this. surgery a little bit because I don't. know much about it is this cosmetic or. is this like actual Health this is. medically necessary that's why it's. covered by my insurance in the first. place sure I have a 15 mm overbite and. they consider it medically necessary at. 9 m.

so they're going to take this jaw cut it. like in half and forward and then wire. my jaw shut so I'm going to have to. drink out of a straw for like oh a month. or. so oh I might go on my diet during that. time though like after that cuz I'm. probably going to lose some weight. anyways so at that point as well you'll. make that X jealous we got our new jaw. and we lost some light right yeah get a. whole new life after the surgery I. wanted it my whole life on honestly.

so yeah I mean well if it's medically. necessary then yeah AB teeth don't meet. up right so so yeah like does that like. what's the bad part of that like what. does it do they can grind on each other. in the wrong ways um and that wear can. cause cavities and could lose your teeth. in the future it doesn't get handled. yeah so it needs to be handled I also. can't bite things with like the front of. my mouth so it's just not fun in general. I have a harder time eating them than. other people okay.

so there is a lot of debt here and. you're about to drop in other $3,000 and. you're not willing to change change to a. job that does pay well to get away from. your ex situation uh until after the. surgery though in the surgery we're. going to have to take more time off than. we have in any kind of paid time off so. it's an interesting financial situation. looking at uh self assess where do you. think you are 0 to 10 Zer being the. worst finances ever 10 the best honestly.

I would say like a one okay yeah but it. is medically necessary so it's not it's. not like you're just doing this a want. you're not getting like like a larger. earlobe or something you know it's not. cosmetic but they are going to take off. like part of my chin cuz they said if. they move my jaw forward it's going to. look like a witch's chin so that part is. technically cosmetic but it's covered. they're getting it covered with it so. yeah we put witches to death so I don't. want that to happen.

yeah it would not be fun okay so let's. go through this first debt then I want. to hear about how you feel like you're. escaping the family or something like. that okay uh but this this first card is. huge first of all how are you paying for. the 3,000 because I come on here yes you. could put $3,000 on here but we're a. balance on the Discover It Card people. love this one Discover it when I first. got it I thought it was a good deal cuz. it was 1.5x and then at the end of the. year it gets doubled so I did make 1,300.

off of that card year if you don't hold. the balance sure Wonder did it for an. entire year oh great and then it's. $181 minimum monthly payment so this is. what me off the bat this ruins me and I. don't understand because you're trying. to pay for a large surgery that you have. to pay a lot of money for out of pocket. because you're trying to live a better. life but you do the classic thing that. people do on the show you only paid a. minute barely a the minimum payment but.

then you took it from. $5,490 to. $833 well interest of $160 182 is ACR so. what the are you doing because you have. something very important coming up so. what are you doing making your situation. worse before that medically necessary. $3,000 is about to. hit um trying to escape the situation. that I was in so that means going to new. eery meaning going inside a gas station.

getting some bullsh going inside a gas. station getting into [ __ ] uh. Peninsula food going to this. espresso going inside getting some. bullsh this apple inapp thing the orange. guy tacos going inside getting some BS. McDonald's Apple inapp crap University T. tobacco and vape you vape you're getting. a medically necessary thing for the. health of your life why why kill your. lungs at the same going to quit when the.

surgery comes because obviously I can't. Vape during that time or I'll get dry. socket so that's going to be 3 weeks. good yes I'm glad you're going to be. forced to quit and then McDonald's and. McDonald's and McDonald's and Cracker. Barrel Smoothie Bar going inside getting. some BS KFC Uber trip Uber trip Uber. trip Hawaiian. Bros oh going inside getting some BS. Uber trip Panda Express Dunkin Donuts. going inside getting some BS.

go inside getting some. BS go inside get in some BS McDonald's. silver dollar silver. dollar frugals and you're not being. Frugal in app purchasing lot Bell Crepes. First Street. Haven song Goku Sushi Asian Cuisine. going inside getting some BS going. inside getting some BS Charlie's Philly.

s this is all in one month one month on. a card that you can't pay off going. until I get into bull going until I get. into bull going inside get into bull SC. out all of this we have a $3,000 payment. coming up Dair Queen. subway going inside get into BS you're. you know how you'd be getting a dry. whatever if you smoked I'm getting a dry. whatever saying all these words because. you're spending insanely Subway going. bull Jessica's Express executive in. Netflix Bahama Mama smoke shop Uber Eats.

Uber Eats Uber Eats Uber Eats go TI get. into some [ __ ] Uber trip Uber trip. Uber trip inapp Apple crap inapp Apple. crap oh my gosh in apppp apple crap. please be the end of it it is than cuz. it's at a 26.24% interest rate what the. what is that that's a joke you said this. was cuz you're escaping that's going out. to eat every second of your life and I. know you're on the road a lot but that's. not the only thing you do while you're. on the road so I don't want to hear that.

as the. excuse um have you ever tried to wash. dishes in a public bathroom dishes I. don't give about dishes to give paper. plates and dude just little things. little plastic bags there has to be. mic not everything things meats and. cheeses and crap in a cooler listen I. get it this is the easier way to do it. and I wouldn't expect you not to eat it. out at all yeah but the fact is you have. a big surgery coming up you can't pay. off the car the interest is acre and.

you're saying you built this up cuz. you're trying to escape family or. something that doesn't make any sense. because it is just eating out eating out. eating out eating out eating out eating. out eating out eating out. you smoothies for lunch there's so many. options that don't involve cooking and. listen I've never done the truck game I. don't want to do the truck game actually. no the I could see myself just throw a. podcast I don't know I feel like I'd. kind of enjoy the road relatively maybe. but either way um not my dream job and I. haven't done it so I can't speak about.

it but I've at least followed people on. Tik Tok that do prepare meals in their. truck. yeah it is. possible um I just need to do it but are. those people that you watch are they. individuals cuz this truck is moving. about 24 hours a day yes so it's really. hard to like cook while someone's. driving there is yeah we do have. something microwave microwave is chill. right yeah I have a microwave um it's. just hard to eat microwave food all the. time cuz buddy you're going to KFC every.

second of your life I don't give a get. some frozen meals you just lost it you. just lost it that's don't have a freezer. you just get a cooler you just lost it. dude that that's it if you have a. microwave already I'm assuming right. yeah I do then you've lost it you do not. need to go out to eat okay you do not. need to go out to eat even if you pre. you could pre-prepare so many meals. before you hit the road pre-prepare so. many meals package them up you wouldn't. have to do the dishes you could do.

disposable if you that work for like the. first week what do you mean you could do. two weeks at least depends on it what. kind of food it is like a lot of stuff. will rot by theend so you're out for a. month yeah fully okay so even if the. first half you're you saying you guys. can't stop at a grocery store that is. also something that is difficult a lot. of Walmarts don't allow truck parking. and we'll tell you Walmart's the only. store um that exists there are other. but a lot of them don't allow it a lot.

of places they say that they don't allow. it like put signs up but I'm going to. say right now and what I need a lot of. people out there to know that I'm. listening to anytime I say something I'm. not saying it's the easiest thing in the. world I'm not saying this is going to be. you walk outside and it's just going to. come to you no obviously you you go to a. place and figure it out through your. research you know the roads you've been. doing it you know the stores you go to a. place where you can park even if you. have to park at a gas station next to a.

Walmart for a second those are rare very. very rare and we don't have like a a. dedicated route or anything like that so. all the places that we're going through. they're different every time okay drop. off the axe drive around the block pick. up the. axe you going to try to find an excuse. for that one uh he doesn't like to. grocery shop I don't give a sh can he. drop you off if it were in the middle of. the night when Walmart is closed cuz. that's when he drives he drives nights I. drive days oh oh oh okay he can't drive.

5 minutes during the day 10 minutes well. that would interfere with our DOT. regulations a okay fair enough I get. that there's there's still 24-hour. places though they're more rare there. are 24-hour places still and before the. pandemic you know a lot of places were. 24 hours but even still there still are. 24 hour again I'm not saying you. wouldn't go out to eat cuz it is a more. difficult situation you will find. yourself eating out to going out to eat. and I can like let's budget for that. right yeah you're going out to eat every. meal yeah basically and you have a.

microwave and you have the ability to. cool things if you need to. yeah yeah is there a fridge there is. it's a mini fridge oh my [ __ ] I have a. freezer though so I can't have things. that last longer than a week you can. stop places once a week I know you can. make a stop yes well once a week are you. kidding me I have done that before and I. will I do have some things in my truck. now that are like microwavable items and.

every now and again I still eat out just. because when you have a microwaved food. for all of your meals it doesn't really. feel like you're actually being. sustained what's the relationship like. in the cockpit in the cockpit like with. my yes Co driver oh yeah your ex. um uh it's hard to describe cuz we're we. get mad at each other sometimes for what. the silliest stuff all right you took. that left turn a bit.

weird um there there were times when I. wasn't waking up as early as I should be. um like is it 12 off 12 on yeah okay um. you sleep more than 12. hours well. so sometimes not usually I don't usually. get off work and then go straight to bed. there's usually a time where I have to. like brush my teeth clean up a bit you. know do my laundry. and then like a little bit of phone time.

after I worked for 11 hours you know um. and then I go to bed after that whyd get. angry if the person showing up to work. to relieve me for his limited free time. also showed up late to work that doesn't. seem unreasonable does it no okay so. what. else. um he's very. rude go on in all senses of the manner. um go on it if something happens that.

was completely outside of my control. there are things that are within my. control but there are things that are. sometimes also but how's he rude though. try understand your workplace situation. basically telling me that everything is. my fault and that I'm not going to get. it right okay and I live up to his. expectations I didn't used to be this. way um what way like I didn't used to. have such a problem with. finances you're blaming it on him no. it's me um um I've just been really.

stressed out okay I mean I'd be stressed. if I was living with a axe especially if. it's a bad situation yeah it's not like. bad per se he's like a good person but. he is very hard on me um did you guys. work together when you live together or. when you uh sorry did you guys work. together when you were together yes I. mean that's sketch in general you got to. have a little bit of space and you're. like literally I desire space more than. anything right now and that's one of the. reasons why I go to so many festivals.

and leave the house so much is cuz I had. an individual that was living at my. apartment after my ex moved out okay. well how many rooms do you have two oh. okay so they had a room yes but they. trashed the whole house what why because. they are an. undiagnosed um like they have an. undiagnosed mental disorder why they. live with you because I'm related to. them and I wanted to help this. individual out um. but I he just got out to or yesterday I.

basically paid him to get out of my. house yes so now that he's out of the. house this the is that you're you said. that you're related to is this the. family that you're going away from that. you're running away from yeah that you. said like yeah um the house is just so. trashed all the time this individual. literally boarded up the windows what. the Yeah and the house was always in. such a mess and when I would come home I. would spend like 2 days just trying to. clean up to make it sound like someone.

safe to have in your house yeah I got. him out just yesterday yeah and so now. I'm going to be going back uh the reason. I got him out actually is because there. was I'm having an inspection today I get. inspected like twice a year yeah and if. the place isn't up to code like there's. literally boards on the windows I get. evicted and I didn't want to be evicted. I want so I had to pay um my mom and. another person to come and clean the.

apartment in order for it not to be a. total ruin and for me to get evicted. from this place do you destroy. apartments and board up Windows you can. apply to be on this show at Caleb. hammer.com apply and I'll tell you to. stop. it okay well I'm glad at least you got. that person out of there doesn't sound. like the kind of person we'd want around. our uh safety Place yeah no that's what. you're running away from though home. yeah like if I'm at home you didn't want.

to be at home so you ran away from that. and you didn't want to be at work so you. ran away from that okay Festival but. that's like a place you have this credit. card debt that's awing at 26.24%. interest how much are you spending on. these festivals how often um festivals. aren't cheap I go to the uh our our. Austin City Limits live once a year and. that ain't cheap this year two last year. well that's not every weekend three. slash four cuz one of them is it's like. 3 days but it's indoor it's still kind.

of like a festival but it's not Outdoors. yeah it's at the Tacoma Dome so it's a. really big venue in Tac happens in there. you just live in. there no I usually end up getting a. hotel with friends and we stay the night. there but and then go to the show for 3. four days okay it's a great avoidance. tactic for whenever I'm home I'm sure is. it a. great money Tac no no but I love it.

still I would love to be able to budget. so that I can still attend some but I do. need to cut down the last time you went. um to like a festival Festival yeah that. you're spending all this money on. hundreds if thousands so I go to like. Raves too which aren't quite the same as. festivals festivals are like how often. yeah and how much does it cost um it can. be about 70 bucks a ticket and then if. you're going to be staying somewhere cuz. I'm about to drive from Seattle so uh.

that's a I've tried to make that drive. back home in the middle of the night and. had to pull over and sleep because I get. so tired you know they end at like 2:00. a.m. and then you have a 2 and a half. hour drive home very different lives. yeah I am better at 11: at the latest. I'm hoping that that will be my life now. that this individual is out of my. apartment and I'm not you're stopping. you're stopping the Rave and every once. in a I love the music sure sure sure. love I'm not saying I even want you to. stop what you're into. but you have debt that you're not you.

can't pay off yeah you're adding more. debt the I know this isn't very long but. for the past week I haven't touched it. at all I that's not very long I know. that means nothing oh I'm going to come. on the show so let me stop for a week. okay that that's nothing I. know but I am ready to make the next. time you're going to a festival or Rave. the next week okay see what the are we. doing then I so it really doesn't matter. what the you've been doing last week. then this one though this Festival that.

I'm going to I wouldn't miss for my. entire life like what is it it's so I. actually have a tattoo of their symbol. they're performing um who who what. symbol the symbol of the festival the. symbol of the artist so their name's. Odessa and they're throwing I know. Odessa yeah they're throwing a festival. it's called The Last Goodbye wait no I. know a town called. Odesa this one's actually not spelled. the same it has a z in it like I I know. what you're talking about cuz I've.

passed through that town before on in. the truck Odessa like o d SSA Odessa the. um the artist is o d e s Za a I know. this song it's probably copyrighted so. mute that uh let play some sick beats. over that Brandon or Salah but it says. I've watched this before so I must know. of's. existence yeah they're my favorite. they've been the number one on Spotify. for the past six years for me oh for you.

okay I was going to say yeah and they're. throwing um for three days and they're. making a new installation that they. haven't done for any of the other shows. cuz they're from Seattle so this is. their home state okay it's going to be. in changing I think I spent lifechanging. yeah I've seen them twice before it's. almost a religious experience it's. incredible I love the community it sound. like a. Swifty uh it's a little different but. mhm so everyone wants to say when. they're compared to a Swifty yeah how.

much does it cost so the ticket was. probably 350 that was actually on the. cheaper end that's like the ga kind of. situation um and then I also had to pay. for the camping I'm going to be. splitting that between three people it. was $200 so it's going to be about 70. bucks a person and they're also going to. be paying for the gas because I'm. driving them you know you know what else. is life changing spending $6,000 when. you in a month when you make $4,500. yeah that's life ruining.

yeah I do want to change and we're just. going to go spend a th bucks on this I. so I I paid for this a long time agoe. the ticket came out you're doing the. camp that you split definitely going to. be budgeting and we're going to be. bringing like our own food we're not. going to be paying for the food in the. festival yeah has everyone agreed on. that yeah we've been talking about it we. that's different than your entire. existence so far all of a. sudden yeah because it's recent now I'm.

really trying to make a change um. especially now that my life is starting. to come together cuz I don't have this. individual living in my space anymore um. that's kind of the Breakthrough point. where I feel like I finally can be home. and make my life better maybe you could. also. spend get the balance of this next card. down instead of doing things that are. just fun. what do you think of like.

consolidation I wouldn't trust you did. you see the spending on that last card. that doesn't make any sense you're just. going to build all the balances all the. way back up you're going to consolidate. your behavior is not going to change. you're just going to up I've taken the. cards off of my phone I've brought them. here with me if you have a shredder I. can shred them uh that's great let's do. that but uh one week I know that's. nothing I so when it comes to getting my. goals figured out and done I don't trust. myself until I figure out exactly what. it is and I dedicate myself to it um.

when I was in school I got my uh my. associates degree before I graduated. high school because I dedicated myself. to it and I have proven to myself that. when I set myself on a goal I will get. there I hope so yeah I just hadn't had. the chance to set myself on it yet cuz. there was so much other moving. elements in my life okay well we have. this freedom freedom to be VI 7,000. 826 this is interest free right now yes.

okay when does the. interest kick in I believe it's December. oh it's the end of this year you have to. pay you have to pay I would like to. consolidate it. why did we not just go over how that's. bad even if you have goals that your. behavior hasn't changed you've done a. week even still you're going to a music. festival in next week proed to myself in.

like two months no using the cards two. months I don't know man two that's. that's pretty damn interest is pretty. crazy on the other card and I don't want. it to get on to that no I agree you know. what I agree I would love you to. consolidate yeah but you don't trust me. to be able to I don't trust you to. consolidate I don't know I would love. people to consolidate look this last. month you spent 6,000 hours you brought. in 4,500 you've been okay for a week. yeah I that that scares me I know it. needs you're likely getting in a worse.

position yeah I don't want to do that. but that interest rate is crazy on the. other card and that one is going to be. crazy too come December it might be a. bad. idea mean you still had purchases on. this some on uh WS oh dot good to go is. that oh that TOS yeah I probably just. need to take the tolls off yeah take it. off it's on a credit card again you. can't manage it you're not a credit card. person I'm sorry yeah you're not if you. anything get a card like the Fizz card.

that at least works for people like you. and that's okay it's okay not to be a. credit card person and again maybe you. can be maybe you can consolidate someday. I just don't one week that gives me no. confidence yeah that gives me no. confidence yeah it's them in this and. and and you're going to be out of this. job for a bit you have a $3,000 thing. coming up I don't want you to be like oh. now there's some room on a credit card. cuz I Consolidated let me pay the 3,000. you you still have an answer how are you. going to pay for that um because it's.

going through my insurance I believe. that my insurance will like pay it and. then I pay my insurance and I can do. payments to the insurance so you're. doing debt interest free debt. debt you're not paying for it you're. adding more to your minimum monthly. payments save up for this your minim. monly payments least save up for like. the time that I am going to be off you. know no I agree do that great but when. you're doing that you're going to have. less income in that situation you're. saving up to live off of that.

mhm I'm afraid you will then just spend. on credit cards cuz that's what you've. been doing yeah so maybe wait until. after the surgery to consolidate till I. if if if if you consolidate I don't know. how. much dude I don't know I don't know if I. trust you to do that I mean you were. literally spending on this card either. way uh you have 6 months to pay it off. until interest Cruise so you need to. pay a real monthly payment of. $1,319 on this month okay to get it paid.

off before December mhm and then I have. a normally $78 a month cuz they want. that so would I want to pay that one. first or the one that's already. occurring interest we'll talk about that. let's get let's assess the entire. situation first okay cuz we have a car. next 2024 why do you even need this. you're in a truck all the time you don't. drive except for one. week yeah well with Festival an. expensive situ yeah with festivals you. can drive a 10,000 car to it well I was.

involved in a car accident and I was. sorry to hear that but I don't say that. means we get a $35,000 car I have an. exciting Channel announcement and it's. one of the most exciting things we've. done so far by popular demand we've. launched a new tier to our Channel. memberships there you'll get an. exclusive audit that can't be found. anywhere else it's add free and. completely uncensored on the first. Tuesday of every month on the second and. fourth Tuesday of every month myself and. members of the company will be doing. exclusive member live streams where we.

can hang out with you and talk about. whatever you want to live and finally on. the third Tuesday of every month we'll. be posting a new behind the scenes. podcast called crew cast where we'll be. discussing everything behind the scenes. at Hammer media and of course this new. tier gets access to all the badges. emojis and the financial audit post show. this is honestly going to be really fun. and I'm super excited and we kicked it. off this week with an exclusive couples. audit and an updated office tour since. we've expanded so quickly check it out. Link in the description below and in the.

pinned comment I really wanted something. that I knew was safe um oh cars 5 years. ago are all of a sudden the most. dangerous things that have ever been. created in the history of world and. everyone dies when they get into a car. crash from Cars five years ago if I. don't know their history I'm not. necessarily a car like the last person. that used the car okay isn't that Carfax. I guess I could do that okay yeah yeah. there's usually solutions to when we. bring up an excuse to do something. that's 35,000 hours usually there's like. answers to the. excuses answers to the excuses well what.

do you think it's worth today because. this is why it's bad probably not as. much as I paid for it but I have Gap. insance number gap insurance okay cool. 30,000 24 24 welcome to cars are you. serious you bought a new car come on I. didn't know it was going to be that much. less that's how it works I do plan on. running it into the ground as long as I. didn't get I hope so because this is. expensive better not upgrade you're to. I'll have it 29% interest rate which. isn't the worst not good though cuz.

you're barely beating the market. especially when you include depreciation. you're certainly not M so we still want. to pay off this and look at this a $623. minim monthy payment that's. insane that's a horrendous minimum Mony. payment just going into a car that's. disgusting what I don't know yeah it is. gross I do love that car it's a car it's. like the one nice thing that I have in. my life but you can have so many nice.

things if you clear out your debt you. have a fully fed emergency fund and you. have a little bit of retirement set up. and I know you have like a you know a. few pennies set aside but it's. I you could have so many nice things. you're rushing into it though you're. preventing yourselves yourself from. having more nice things because you're. getting in yourself in a situation where. you have incredibly High hey you gave. yourself a $623 minim monthly payment on. this car when you need to put $1,319. towards the freedom card to pay it off.

in time you're making it harder so I. think that at that time I didn't have as. high of credit card debt okay then you. did it worse then you did it even worse. because you went into credit card debt. even though you had a $623 minim you pay. on your car so it's even. worse you're preventing yourself hey hey. the nice things that you want you're. preventing yourself from getting you are. preventing yourself from getting because. you're just doing you just wanted the. nice car right now at 23 dude you could.

have had a nice car at 26 27 and it. would have been fine I also didn't want. to worry about it anymore like I didn't. want to worry about having to upkeep it. like car agree I agree actually I got. like oil changes for the lifetime of the. car that I have it it's going to be Sye. yeah but who knows if that's worth it. who knows what you paid if it's if it's. like some eight for the lifetime of the. car how of do people usually keep cars I. know you say you're going to run it into.

the ground but life is yeah if somebody. crashes into me or well there's not even. that life take turns sometimes you want. a new car like and I know you say you. don't right now but life is yeah okay. you know maybe that's not the absolute. worse and again a lot of people just do. their own oil changes yeah I don't have. the space for that LE off of YouTube at. my apartment I don't have the space to. do that and also I already have just. that week off after working an entire. month at at that point I just I spend. more than $25 on oil.

changes no I had gotten a cheap oil. change on my last car and they forgot to. put oil back in it and I left so I'm. never doing that again well that sounds. like they sound it looks sounds like you. went to a special place it was full of. special people um I probably shouldn't. be working there yeah uh but that extra. $800 when you're so far underwater just. that does kind of scare me you're just.

again I agree with the general concept I. don't want you putting a ton of money in. the car but again when it comes to. excuses and reasons why we would got a. $35,000 car you know we're going in if. we're getting like A1 15,000 used car. we're going getting it checked out by a. mechanic maybe two mechanics if you're. doing thorough research making sure they. look at everything spend a little bit of. money just to have them be like okay you. know you might have to replace this in. this amount of time you know it might. not be safe for this reason these of. things and then you don't get it or they. give you their seal of approval and.

you're like okay you know what this is. actually a smart purchase those are. things you can do and you could have. saved yourself right there. $20,000 yeah that was a lot of extra. work when well yes I feel like and a. little extra effort $20,000 working and. that's where my work goes to yeah but a. full week instead of going to a rave. maybe went we went to one mechanic but. if you worked for like an entire month. would you want to spend that whole week. off just want no no want no kidding me. no it's not about wants though yeah this.

is this is literally your future this is. your existence I I I I I'm a little. confused why wants. suede the longevity of your financial. health and life it it doesn't make sense. shouldn't okay well there you go you've. answered your question though yeah I. mean that's it I don't want to be a. heart but I mean at the same time it's. just like I understand it wasn't the. best decision don't make it to the point. where I'm if you're underwater on this. car by $10,000 I don't think you're. getting $800 left time oil changes like.

I yeah I'm going to run it into the. ground but it. doesn't yeah if I pay it off in six. years and I keep it for 20 that's 14. years that I'm not paying for a car. that's reliable and also keeps me safe I. don't know I might borrow $10,000 to. sell it pay off the. loan borrow an additional $10,000 and. then get a $10,000 car that might be. what I'm doing but I'm a get out of debt.

kind of person a bad debt kind of person. I also want to get out of oh there's a. solution and what you did is not. yeah okay. Amazon uh do you pay this card off every. month yeah yeah that's what I. thought cancel that one good job that's. a demonstration of a potential future. credit guard person I used to do that. until I was trying to escape but I'm now. in therapy um to try and teach myself. coping mechanisms so that way if life.

when life gets worse again it always. does and it always will that I'm not. trying to run away from my situation I. feel like that's been the theme of my. life recently is I need to stop running. because every time I do I screw myself. over worse but I well I hear that and I. empathize with that what helps you. though in that situation is having an. estake of like an emergency fun if you. had to run away from your apartment. right now cuz that person was uh messing. with it but you just couldn't get them. out you could stay in a hotel for a week.

with you know if we have some if what we. did was properly budget properly manage. our finances not have to just rely on. debt you could have put yourself up. somewhere and we could have you. know well maybe you're working with. authorities or mental health services or. something you know there that gives you. the opportunity that gives you the. safety it's a safety net for a reason. that gives you the safety I don't want. you to always have to be running you I. don't know you're putting yourself in a. risky position because we're deciding to. eat out every second of our life get a. car that is way too much for your. situation. yeah I don't know I I I think those.

are I don't think they're immature. childish behaviors like many people on. the show but I still think they're. ignorant decisions and kind of you're. really I don't know I still you're. putting yourself in a bad position. you're kind of your future you're your. present and I had such high hopes for my. future too yeah but you say something. well I come on you're 23 there's a lot. of future to have like we can talk about. how to turn this Sur we will so I mean. I'm just disappointed cuz I'm usually. not this this kind of person well what's.

usually you've been you you've been an. adult for only four years 5 years so I. feel like I've grown up really fast as a. kid okay I know a lot of people say that. but um I was able to get a lot of things. done that like I actually broke the. history of my school there had only been. one other person who had gotten their. associates degree before they' graduated. high school and that was my precursor to. what I thought the rest of my life was. going to be like. um then how do we end up where we are.

running running away from things that I. need to solve okay what then you give us. some actual I've heard this run a lot. give us some like actual substance. behind that statement okay running from. like um both emotions and physical. things like before this individual lived. at my apartment I lived there with my ex. and it was kind of a Loveless. relationship like he was always playing. video games and I know that I could have. been there but it just reminded me so.

much of the failure of the relationship. what you being there yeah okay okay. sorry that's okay there's tisses right. there if you need. them. um. so I would just go to festivals to. distract myself from. it I literally don't even know I'm. crying right now I'm literally over this. um and so we like live together is and. so I would run away from it and. eventually he moved out but you're both.

running away it sounds like he runs away. internally playing but then you run away. I don't know like I I don't want to put. the blame on him or you or anyone I cuz. I wasn't there I don't know but I mean. it sounds like you both were. doing like running away from each other. sort of yeah okay but I did it in a. financially irresponsible way and he did. it in a way that didn't cost money so oh. trust me I've seen Gamers blow money. yeah he's very fiscally responsible um.

and I aspire to be a little bit more. like him when it comes to. finances yeah so that's running away. that was the beginning of it yeah cuz. that's when I started to get into debt. was when I started going to festivals. that's when I got used to spending money. on credit cards in the first place was. cuz I would see this Festival coming up. and I'm like oh you know I it doesn't. help that I also love them you know it's. a passion of mine I love music it lights. me up in. um but that combined with the fact that.

I also didn't want to be home so those. two things together I would buy Festival. tickets before I had the money for them. um and that got me used to spending. money that I didn't have sure and then. after he moved out um this individual. moved in and trashed my place for like 6. months I would always ask him to just. clean up after himself it's not that big. of a deal you know and every time I. would come come home and it would be. even worse and I left it I started. taking pictures of how I would leave the.

place so that when I come back I know. I'm not just crazy you know it's like. six months why don't you try to get them. out quicker it's been a long process cuz. this individual is 19 years old and they. have a uh mental disorder that is home. strong no okay yeah. um yeah I didn't really know what to do. with this individual and I felt like his. last straw was to be with me where do. they live now they're going back to.

Minnesota with another individual that I. know um in their car probably going to. be on my grandparents' Farm in the car. okay on the car in the car on the. property the car on the property they're. going to live in the car on the property. mhm what the. okay yeah that's one of the reasons why. it was hard to get it figured out cuz. it's like I know the position that. you're in and it sucks you can't live in. a dangerous place yeah no matter what.

and it got to that point now there were. a few misunderstandings and I I needed. him to be out by the time I was going to. be inspected so I didn't get evicted so. I reached my breaking point and. yesterday I was like you need to get out. please get out of my house so I can come. back and not be evicted cuz my stuff if. I get evicted and my stuff gets thrown. out and I'm. working all my stuff is gone you know. and I can't make it back there in time. to grab it okay yeah it's been a tough.

situation but I should have handled it. better well I mean I that's that's where. you were that's where you were you ran. um are you still running though because. you're going to this concert next week. that's my concern I wouldn't miss it for. the world that's why but a week is. nothing in anything a week is nothing in. dieting a week is nothing or financial. budgeting a week is nothing yeah I don't. know I empath with what you're saying in. the past it does not change my fear for.

your future. unfortunately yeah I I need to learn to. stop running um. this this uh Festival that I'm going to. though it almost wouldn't have mattered. what position that I was in I seriously. wouldn't I wouldn't have missed it for. anything I would have found any way to. go I just I don't even know what to say. about that though I I can't combat that. I don't know you're you're choosing that. over your life. that's more important to you than your.

actual life experiences are important. there's going to be a lot of experiences. you can have you can't pay off these. credit. cards like. 1,319 is your required minimum payment. on that freedom card to get to a place. and the what you want to do to get out. of this is consolidate which is not. going to be what saves you not with your. spending habits one week is not going to. do it are these your medical debts um. yes so you ow to a total of. $5.99 $5.99 like 5.99 mhm um it's hard.

to say because some of this stuff you. pay it through the app but well it says. total load is. $5.99 I know dedu there is something on. there that's like $2,000 that's from the. car accident and I'm still at the end it. says total load is. $5.99 that's weird because there is. something that should be on there that. was. 2,000 um. yeah this is just and it was also on.

that's another one there's two okay yeah. it looks like you owe 5.99 for this. medical one I assume you're not on a. payment plan yet uh I am for one of them. which one the expensive one yes okay. it's about 223 a month dude you well the. okay this is going to be solved once I. get done with my attorney like it's. still ongoing the case is ongoing and. it's going to be covered um car accident. I got I got hit so but I mean you're.

assuming you're going to win legal. system I know it was from the get-go. they admitted they they ad you have that. in writing and video and audio it's on. the police report okay yes they admitted. fault so it is going to be covered 100%. there was a disabled individual in the. vehicle of the you get on a minimum Mony. payment then if it's going to be covered. because it's not going to be covered. until um um until they're done with the. case they're still gather Gathering.

their like any kind of medical expenses. that I have um because I was truck. driving at the time there were a few. hospitals that I went to that were out. of state that I'm having issues finding. which ones they were I don't know what. their names were they haven't sent me. emails they haven't sent me anything in. the mail so I'm having a hard time. finding those claims um but at this. point I I'm actually curious what you. would do cuz like if I don't get this F. figured out I'm going to have to pay off. all of this medical debt up up until the. point that they do it would you let it.

go to collections the thing that you. can't find or would you just no well. that's going toedit and I don't think. you're in a position where you want your. credit to be could you dispute it if it. cuz I don't know where it is I've looked. everywhere I've looked in my email I've. looked in my recommend they say to find. it I kind of is there anywhere online. you can request at all I if I knew the. name of the place that I went to I don't. even know the route that I was on I know.

the state of one of the places that I. went to there were two hospitals oh yeah. that's difficult yeah I had given them. my information too and I had given them. my Healthcare and they didn't they. didn't charge it would your Trucking. Company be able to give you a location. if you know the date um it's possible I. know that I think that they delete. everything after like 6 months and it. happened cont them at least see there. there's a place to start okay yeah and I.

do remember that I think one of the. hospitals was somewhat off Route see. where you were swiping your. card around that. date just just just get a general idea. okay start making some calls I don't. know I mean I feel like you got to do a. little bit of work yeah I have been. looking at like going through my all of. my my two different email accounts to. see if any of them showed up checking my. mail I just well you haven't gone. through your email no I have oh I've.

checked both of them and looked at the. dates that they were up to a month. before and after and there's nothing. from either of them and that's really. the thing that's holding you don't have. history of your routing um up until six. months they deleted after six months I. believe what about like Google Maps do. you use that at all mm we have our own. system cuz Google Maps will put you. under a bridge if you know City you were. in purchases and we know you purchase. like multiple times a day yeah come on I.

mean we should be able to at least call. the the hospitals in that town okay. right that's basic yeah I don't think. that I maybe I bought stuff in like. surrounding towns but whenever I went to. the hospital I hadn't bought anything in. that town are are you sure cuz you go. out to eat three times a day I I don't. know. yeah is that all your de um I think I. think so yeah the two credit cards. and the medical debt and the car $42.

and what is this so as savings and then. yeah and then in the checking account 1. 15111 here we go again this doesn't make. sense dude spending so much money and. the music festival thing it's not it's. not the biggest opposition thing in the. world because if it's a Once in a. Lifetime well you've already seen him. twice so what actually never mind um St. finale. yeah for now for at least the next six.

years if they're not retiring but. let's. pretend that's okay even there with all. this debt you have to pay. off again you are going to Wendy's you. are getting Tik Tock Shop McDonald's. Dickie barbecue Dunkin' Donuts going. inside getting some BS old west trading. crazy Rock curiosity stream I and I like. it but you just can't afford it going. inside getting some BS.

and wait what is this you got oh no what. is this Amazon. $250 did you get um the did you get. might have been Festival equipment for. camping see I told you you're spending. like a th000 bucks on this total at. least I finished buying things for the. festivals that doesn't matter you're not. paying on your debt I don't give a when. you paid for for it yeah you're not. paying your. debt venmo venmo venmo Nintendo.

McDonald's Spotify go inside get in some. BS Starbucks Erica's Cafe McDonald's. popey's go in and get in some BS two. door s whatever going inside get in some. BS Carl Jr Asian fusion Starbucks meta. pay meta pay ex anoun through meta pay. $150 oh more meta pay $80 that time. Starbucks. Starbucks something Kent.

Station something and more meta pay. Willie smoke Starbucks Domino's meta pay. 20 bucks are these Facebook games no. that's um probably with my co-driver. sometimes if one of us buys something. then the your ex yeah like if we're both. eating food and one of us buys it then. the other one pays the other person. going in getting some BS going in. getting some BS going in getting some BS. Starbucks going in getting some BS going. in getting some BS going in and getting.

some BS McDonald's going in getting some. BS yeah we know you can St places you do. it every second of your life big flavor. Starbucks metape Starbucks your. spending's insanity and you're smiling. about it but your spending's Insanity. Insanity yeah is star okay fine maybe. the meal let's excuse the meals for a. second the amount of times you stop for. coffee and. drinks like you have debt and you think.

that something bad is going to happen. meaning you have to run again but. instead of setting yourself up for that. you're putting yourself in a bigger hole. that's going to prevent you from even. being able to run in the future yeah I. think a lot of it is the spending on. food that. I what do you mean that's what I just. went through yeah um I I guess when I. say festivals and stuff that's what kind. of got me into. spending bu I didn't see festivals on. here I'm not talking about festivals I'm.

talking about your spending most of it. is the spending on food. now yes I know what are you. saying that I what are you trying to. tell me work on not eating out so. much yes yes you. do what are you going to do in order to. do that what's going to actually change. um I I need to work that that means. nothing that means guys guys guys guys. guys guys guys guys guys guys guys guys.

I need to work on working out more boom. did I just solve it did I just solve. that I'm going to be work no what are. you what are you going to do um I am. going to go to Walmart weekly Oh I. thought you said you can't I'm going to. trip plan oh so all of a sudden it's. possible Now That We're Not Making ex. every now and again it is there are some. places that don't allow it but if I look. ahead of time and I know where I'm going. also if we take a little bit of effort.

okay yeah sure yes look ahead of time. stop at the Walmart also got to make. sure that we can make it to the Walmart. before it closes. um but yeah going to Walmart and buying. food there and not buying out eating out. as much it's a start yes what are you. going to get at Walmart for the past. week I have been doing that but I a week. is nothing to me don't bring it up again. that annoys me okay a week is nothing. week is nothing mhm a week is nothing. I'm sorry yeah I've done attempted a.

diet for many week and then you know you. fall off fall but I've been doing it for. like a solid almost like 3 weeks now now. I can kind of say I'm like on a diet cuz. I've done pretty well yeah okay you know. down some decent poundage I should wait. tomorrow and get see where we're at. though I think I might be getting pizza. later uh beside the point you know. listen it's debate night and on oh is. this excuses it's listen it is it is I.

get two days tell me no. excuses you go to four music festivals a. year I get two days every four years. okay two days every four years you're. eating pizza you're telling me that's. the only time you eat pizza two days. every four years I get to Nom and watch. two old men that can barely stand up. yell at each other okay well once in. possibly a lifetime I get to see my. favorite artist perform three days in a. row once in a possibly life time you've. seen them twice three days in a row and.

they're also doing an incredible setup. that they haven't done ever before could. be the last time that they ever. performed yeah and then you'll find the. next artist that'll be the last time. because you went to four concerts they. were my number one on Spotify for the. past six years honestly I really don't. care okay that's not what was killing. you I know that's just what got me into. it that's what got me into getting food. into using money that wasn't mine. getting used to it what happens if you. don't get this job I will apply for. another one I'm not quitting a job until.

I have another one lined up so you're. not. miserable right now yeah um it's not. comfortable how often are you applying. for jobs I haven't been applying for. them yet because it's too early my. surgery surgery it October or November. we don't have a date quite I I go to my. orthodontist they're probably going to. set. it see and you do all this while that's. coming up too that's another thing. that's it's scary and then you're going. to go into debt to them you already said.

3,000 bucks unless I can get some. real before then well yeah that's what. this conversation is about mhm but you. haven't so I okay I haven't shown it. previously but I'm taking accountability. by embarrassing myself okay $3,000 in a. health savings account happy to see that. 12,000 bucks in a 41k see hey right. there surgery paid for oh that's what. you're going to use my HSA possibly yeah.

if I don't yeah sure do it cuz it is um. taxfree and why didn't you say that. before I forgot that I had an HSA oh. okay well I didn't know yeah I have two. hsas actually well no not two they just. I transfer one from one to another. account so I can actually invest it I. thought it was going to be a big thing. we were going to have to solve but you. just made my day easier $112,000 and a. 401k. okay which is actually a great a great.

start for your. age okay I think that uh 401K we have. like a match so what's weird is. you some Behavior things that are. actually kind of good that many people. on their show don't but then you also. show some of the worst spending for your. situation and a really dumb car purchase. compared to a lot of people as well your. Polar Opposites on so many things like. you have some good decision good. sacrifice good. maturity and then some of just the worst.

it's very confusing yeah I which means I. don't know which direction you're going. to go in which one's going to pull the. other one this is kind of the deciding. point I don't know so I I think um a lot. of the mature things that you've been. doing like the HSA and the. 401K a lot of those are automatic so you. don't have to think about them those are. autopilot but the things that you have. to make daily choices on they're over. here and your daily choices are bad and. immature and irresponsible so I think. when you're actually going into to make.

a decision you don't make the right. decisions but if you're able to put. things on autopilot that's when you if. I'm able to think about it for a certain. amount of time ahead of time then I will. usually make the right decision if it. comes up right away then I will probably. make the wrong decision it's whether or. not my thoughts can intervene so like. with the HSA and the 401K those are. things that I thought about and I. decided to do um maybe I just need to. make. it more automatic that I make the right. choices like only allowing a certain. amount in an account that is my spending.

account or something we are basically. halfway through the year and I need to. make sure you guys are saving your money. in the right place in my resources. section in the description below you can. sign up for one of the best high yield. savings accounts there are but you can. also get $300 for free with qualifying. deposits you can also get FDIC Insurance. up to $2 million on your money and get. 4.6% on the money that's just sitting. there it's exactly where I put my money. why let your money lose money when it. could be making money it's the biggest.

Nob brander in the world open up a Sofi. high yield savings account now and get. that $300 for free so right now your. unknown shopping is 2,000 bucks that's. usually Amazon Walmart. crap let me look uh yeah it was Walmart. jeez what the what the at Walmart cuz I. know it's not groceries you spent. $1,373 at Walmart and 654 at Amazon the. are you. getting it's like half your paycheck.

gear okay so this this this the sual. thing it's starting to get to like. $2,000 now minimum MH and you you you. made it sound like it wouldn't even get. Beyond 700 earlier so like I don't know. what the you're talking about dud future. reference now it won't because I have. all of you mean more spending it won't. cost an additional 700 if I ever budget. again for a festival gosh you're not. going to be doing that for a while yeah. that's an insane amount of money that's. where your extra thing your.

miscellaneous bull stopping in just. getting some extra. crap 10.5% of your spending and again. your spending is already $1,500 over. what you earn so that's already. horrendous 15% winning go went going out. to eat 2% with the phone what's your. phone payment Verizon 157 how much or. what is it what are you doing is it. financed well it's paid off now but I. have a a watch which I set down and then. I have an iPad as well oh that and. they're financed yeah I think that.

they're interest free um but take your. phone and it coverage on helium for $20. a month cuz that's ridiculous this is. insane yeah it also includes like my. Hotpot and stuff and I'm getting rid of. my Wi-Fi cuz the other individual that. lived with me they were the only one. that needed it oh my gosh okay so it'll. take in like this is ballooned let's see. if this budget even works works so okay. 4,500 comes in what's your rent uh 960.

yeah that's not bad and total. utilities um with just me not being. there probably like 40 bucks internet. I'm getting rid of it I don't need it oh. okay gas vroom vom drive. drive variable um yes give me a monthly. average 100 bucks car. insurance uh I believe 200 this car is. costing you so much money it's CRA I. paid every six months and it was like. 1,200 so I have to budget in getting do.

I budget in you getting out of. this your minimum monthly debt payments. including the medical payment which. hopefully we get rid of. soon is. $1,115 your phone total was what again. it was insane I think now it's 165. because they just jacked their prices. yeah I do want to switch TP fund. anything else you need to survive $100. groceries going to make it a little more.

expensive because you're going to have. to get some more pre-prepared things in. order to prepare them on the road and. that's okay. $400 anything else you need to put in. your budget that's not there savings no. no you're paying off like an emergency. fund well we'll get there okay we're. going to talk about the process. but okay so I mean right now it's. there's it's your spending right now. your stupid Festival choices. because you have so much left over so. much left over right now you have.

2535 left over on a monthly basis well. done oh wait NOP that's a lie 965. because I didn't include the debt Min a. monthly payments. sorry. sorry but still 900 that's pretty good. but you know what you can't actually. make the full minimum mon payment that. you need for the freedom in order to pay. it off that free anymore you can't do it. so that's get there. so then the other ones at a high.

interest rate. anyway the consolidation though can help. you save interest I'm afraid of the GS. that'll open for. you yes when I put my mind to something. I do it my problem is that I don't often. put my mind to something yeah and I. honestly no offense I can't trust that. and I don't know you yeah so I'm not. going to make a you a path baseed on. that okay I mean two months I'd save up. a one- Monon emergency fund minimum. monthly payments on everything. can't really pick up more hours or more. jobs takes eight and a half months to.

pay off the Discover card Freedom Card. will be obviously Cent interest within. those last two. months but if that saves you more money. of the long run but not getting in into. more debt might be worth. it I mean I'm excited to see your. followup and see what you end up doing. MH so eight and a half months for that. then you get a little more that you get. to throw towards the other one for Min. Mony payments call 7 months so7. okay okay so it takes 17 months to get a.

one month emergency fund pay off the. Discover it and pay off the freedom then. your car is also just kind of gross and. insane. and so at that point I believe that's at. like six years to pay that off great. this point you'd probably have. about. 1,250 left over on a monthly basis. assuming no pay increases then the car. still takes 2 and a half years to pay. off. your income's not bad is the thing. you've just allowed yourself to get into.

more debt with your spending it's your. immaturity and your choices and just. thinking you can kick down the can and. you wanted to get a nice car it's the. nice thing in my life well now this nice. thing in your life is preventing you. from getting out of bad debt for four. years or so like and that doesn't make. sense and then and then and only thing. can you get a fully FY fund and. that you're. 207 at that. time you need the low jaw the jaw. surgery yeah which hopefully the HSA.

covers but you you say it's. also for your kind of worried about like. not being able to work during that time. cuz I've done like the PTO and the PTO. doesn't pay as much as we make when we. drive so it's going to be. less at least to learn how to do at. least okay following the the budget is. going to be the most important thing. having any money left over is going to. get you there so definitely go through.

the budgeting class you can take it. while your ex is driving the car okay. take the budging class take the. quizzes also take the investing class. cuz it looks like you're getting into. investing so we can at least help you. determine what kind of investor you are. and strategies around them I would love. to get into real estate an extra well. that's not a part of your conversation. just yet but that's okay right now. eventually and you'll get an extra $100. in cash gifts from me that Mumu gave to. me uh for you which was really cool so. take those but I'm just trying to figure.

out how to get out of deck quicker it's. a little hard because in your current. job it's not like you can do much more. yeah once I get to the next job then I. can do yeah but you're assuming you're. getting that job yeah it's been out. there for a while I've been keeping an. eye on it so it seems like they need. people and I have experience in both. areas yeah I mean get that job what what. what will your take on be at that point. with that job um it depends on how much. overtime I'm allowed to do um I haven't. calculated what it would be on like a.

month-to-month basis or in a year but. $40 an hour 60 for. overtime and I don't have a calculator. on me well those are the methods I would. pay off the deaths if you can if you. Prov yourself that you can consolidate. maybe but it still scares me yeah any. other certifications you can take to get. your income up I already have my Hazmat. doubles. triples so my CDL are you talking about. for like the CDL or I don't know. anything in the trucking world I don't. know the trucking world I focus more on.

like the I'm from Tech so I like the. tech certifications through course. careers yeah but I don't know maybe but. the trucking I I don't really know that. one yeah it would be Hazmat doubles. triples I already have all of the. certific okay then obviously for you you. already want a new job anyway obviously. I would just maximize that income you're. what you have to do is you have to. budget you have to stop the [ __ ] no. more excuses to go to the next the next. concert the next concert the next. concert you need to buckle down you. budget everything needs to go paint off. this debt or dude you're going to be in.

your debt in your 30s in your early 40s. even I like this want that well right. now it shows that you do no offense so. you need to change that now we'll do a. follow up in like 3 to 6 months and I. hope you prove everything that you said. that like when I set my mind to it I'll. do it I want to believe that I do not. know you I cannot make any adjustments. off of that you say that I've been doing. well for a week great I can't do. anything with that let's do a fall 3 to. 6 months okay prove to me that you've. done those things and that you're. starting to make progress you won't be.

anywhere close to a de by then cuz you. won't you may not even had your surgery. until then yeah but just prove that I'm. not going to be touching the credit. cards at all anymore no you need to. obliterate them and burn them and have a. ritual and something and something crazy. and I have them here with me we can burn. them if you want to we have scissors. should we cut them yeah sure the post. yeah let's cut him we'll cut them in the. post show we'll celebrate in the post. show okay since we're wrapping up here. I'll get you your Hammer Financial score. we'll cut up uh and then I Noah's I I.

gave Noah a bunch of weird know just old. pictures of myself and I think he wants. to really embarrass me in the post show. so that should be fun or maybe it's. going to be cute oh. Nostalgia I don't trust. him what change yeah I was hot I was hot. well the metabolism and dieting and. becoming an adult moving. yeah so spending in a budget well you.

spend $1,500 more than you brought in. which again that gives me concern you. got to prove it in the followup zero out. of 10. debt that car situation is going to. bring it down for you and not being able. to pay off the freedom before it hits so. it's going to be low two out of 10. emergency fund there was nothing in. savings so zero out of 10 but retirement. for your age I'm actually quite okay. with it a solid seven out of 10 real. estate zero out of 10 retirement is. definitely going to boost you up more. than you think you thought you were at. a one one but you're going to be at a.

two out of 10 make sure to check out all. the resources Linked In the description. below is there what I use or would use. in specific situations including the. best budgeting and investing programs in. the history of the internet now click. the link below and come watch the post. show today on the financial audit post. show we going to cut her credit cards up. let's do that we got scissors also of. those cards those cards the hand rength. for this oh yeah you do well done was. making you know 30,000 bucks a year.

sales made much more money so I was like. you know what I'm going to sell. out the Caleb story to watch the. financial audit post show click the join. button below.