Dumbest Guy I've Ever Met | Financial Audit
495 episodes
32.9M viewsso how has it always worked out because. interest is ACR and the balance hasn't. been paid off would equal this has not. worked out cuz the balance would be zero. if it has worked out so where's the. working out that has been worked out. that's been worked out cuz this has. worked out there's no working out um you. are losing. money my name is Cameron I'm 20 years. old I'm from Houston Texas and this is. financial audio 20 years old double fist. in a Red Bull I guess you want to have a. panic attack during this episode that's. interesting uh from Houston Texas oh. you're young um this is definitely.
interesting uh situation for someone so. young so what do you do for a living. currently um right now it's kind of. complicated I guess I started being like. part-time real estate and part-time. construction with my dad so I guess to. explain it a little better. um from Sunday to Wednesday I do real. estate like I guess fulltime like during. those hours I have the full day to do. real estate what do you do in real. estate um so I have this schedule that.
I've been trying to follow I'm haven't. been the best at following it I followed. it for like a week straight um like in. this last like in the past three weeks I. followed it for a week straight like. strictly um what are you what do you do. in real estate I'm I'm trying to tell. you the schedule give me a second give. me a second sorry sorry um so the. schedule's like I wake up at 5: um go to. the gym at 6 get home at um start I'm. telling you let me pause you real quick. okay s because literally the only. question I ask is what do you do in real. EST estate not as your um I'm I'm I'm an.
agent I'm a real estate agent so I so I. guess my job what I do in the house is. calling people prospecting um following. up just a lot of calling people is on. the phone okay so you're trying to get. people to represent to either sell their. house or represent yeah and how's that. gone so far yeah um how long have you. been doing it for so actually one year. like this month and it's actually like. like to be honest this month this has. been like the most money I've ever made. yeah yeah like this month I like I'm.
really proud of myself um I hope I'm. proud of you how much did you make. I no ta 14 caffeine 14 oh sorry it's. okay it just hits let me open this s. 14,000 14,000 yeah like a little bit. over but 14 thousand yeah but I spent. most of it I think something like that. is this the first time you've made that. money yeah uh what do you mean you spent. it where did you spend it at um like so. like there there's a little bit of a.
backstory to that so always a story go. ahead story time I'm crisscross. applesauce in front of a fireplace give. it to me I got you so I was like so I. guess I got my license last year um in. real estate and like right after I got. the license I was like really confident. about it like oh yeah like um like. watching some realter like I'm going to. call people knock doors I'm going to. represent someone um sell their house. make a big check like boom boom boom and. I kind of spent um.
I kind of spent the money before it was. in my pocket for a lot of the credit. cards I had when um like this was like I. mean it started last year but like for a. while yeah like okay like I took a few. like right after I got my license I was. a server before this um I got my license. I quit the server job like I was. knocking doors for around like 2 three. months um but knocking doors really. means like uh an knock doors for like 2. three days or like two like a few days a. few weeks I guess um didn't really do. anything thing um like how much money.
did you spend. before no tap in that. table how much money did you spend. before um I don't know like no you know. you have to know you don't know um so. like my do you look at your balances I. do yeah yeah let me let me the total was. like around. 2500 oh 2500 yeah like it wasn't I. wasn't it wasn't crazy about it maybe. over the course of six to eight months I. mean that's not an incredibly insane.
number now obviously spending it before. you make it that's dumb that's bad it's. a creu interest and that's you know it's. stupid. but it's not the craziest number in the. world yeah but what I'm mostly curious. about which was the question I asked. before you went into a story that didn't. answer the question that I asked oh yeah. sorry what was it what the did you spend. your money on that you just made oh. um so like I kind of like divided the. money between like my my parents like.
helped me out a lot like they when I got. my car um so they helped me out with the. down payment so I kind of gave some. money back to them how much did you. borrow from them uh I don't know like I. I think they helped me with the down the. down payment was 7,000 I put in 2,000. and then I guess my 5,000 5,000 how much. did you give them I gave them 4,000 like. okay so you owe them a, check yeah sure. yeah sure no but like come on I'm sorry. yes I the only reason I say yes sure.
it's cuz it's such like the number so. like it's so Random like I owe them more. money than this like more money than. just this it's like okay so you gave. them 4,000 yeah you made 14 14 and I. gave them four yeah did you set money. aside for. taxes no rule number one Mr 20-year-old. set money aside for taxes that it's. going to come dude next like okay it's. your. first well it's not your first year so. you actually might want to start this.
year. uh. okay uh so that was that was last month. right yeah that was last month so. January February what did you make. during those months January February uh. this year yeah um real estate no nothing. March 1st was like when I got the checks. um January what did you do to get the. 14,000 um give me the rundown sld a. house I sold a listing a singular yeah. sold a listing and then that family um. sold their house and then moved into.
another one so it was a so% on both. sides yeah pretty much yeah okay thanks. gotcha well like thanks for like uh. helping my brain like organize what I. was trying to say well you're welcome I. are you a little nervous yeah it's you. know what I mean it's crazy it's crazy. okay sure so gotcha and then you said. you also do construction so um I'm just. trying to get a baseline of just what. we're bringing in can't do anything. guaranteed for Real Estate at this point.
cuz it sounds like you've got like. essentially like your first sale first. buying um I what was your relationship. to these people uh I knocked on their. door well I knocked on like I mean. that's grinding I mean I love that um. year and a half yeah I mean it takes a. while to get in the real estate it is a. long-term play when it comes to the. representative side of this you you. build relationships over years then as. the people move as the people maybe look. to rent and you know whatever it ends up. being then they come back to you and you. build those relationships over years and.
it becomes like a decades long process. it is slow to start so I get that so but. because of that I can't put down like oh. I think we make this much money from. that so tell me about this construction. job um so I'm working three days so. Thursday Friday Saturday 125 a day so I. get a check for 37 Thursday Friday. Saturday Saturday yeah you're a. contractor um my dad has this company. and I just kind of go in and he gives me. a check he gives you a check yeah it's. check so it's like paper trailed uh yeah.
okay I'm assuming you're not W2 from the. sounds of this I don't know I just get. the check and I just picture deposited. what far going goes into my. account I'm going to guess that you're. not. W2 I don't know to be honest I had no. idea so like your dad hasn't talked to. you about taxes or anything so he has. his accountant he like whenever I get my. tax papers from like um where ever like.
the other jobs I've had he's just like. oh just take it to them like how did you. do taxes for last year um I did him. through Credit Karma the Turbo Tax. Credit Karma thing through the app but. last year um he kind of got mad at me CU. I didn't put him he wanted to put me as. a dependent CU I still live with his I. still live with munan so he wanted to. put me as one of his dependants but I. didn't so when I didn't I got a I got. like a $500 like return so I used that. but did you claim all your taxes correct.
for last year I think so I mean okay cuz. this wasn't um the first uh the first. two transactions I had one before this a. few months back which is actually like. uh which was um someone I knew it was it. was actually like my girlfriend's. house like they they helped me out you. know what I mean yeah no for sure okay. so good. Baseline not much guaranteed income say. that number one more time just that you.
get on a daily basis. 125 125 and you get that three times a. week yeah okay. 52 oh sorry 325 125 for 3 Days 125 * 3. * okay that is $20,000 you that's. obviously not enough to live on. especially in a major Metro like Houston. and you work every single week correct. yeah I mean I I I it's been like my. second week this weekend working but.
what like I I just started doing this. cuz I had started doing what like yeah. yeah cuz I've been doing it for like a. month barely so last year's taxes. weren't much of a concern anyway I I. didn't do that job for last year's. taxes tell me about your your okay so. yeah the I don't know like a lot of the. time for Real Estate like like it's cuz. like I be trying to prospect and stuff. but I don't you trying to prospect I try.
to prospect but like I started playing. Minecraft and stuff you know what I mean. like cuz I I don't know I don't think a. dirt house in Minecraft is going to pay. the. bills but even if you convert it to. Stone I don't think that's going to pay. the. bills it's it's not about like painted. cuz it turn into NE portal maybe someone. some little kid will get excited about. it I don't think he's going to cut you a. check like what are you doing spending. time down in the mines instead of out. there grinding I am grinding.
and I have been paying my bills how many. times have you killed the nether dragon. in the last week instead of actually. going out and getting money all right. let's being honest and last week I. haven't played at all like not in the. last month I haven't played Minecraft in. the last why bring that up cuz it was. like like a lot of the time like you. know like during like the year that I. was spending money on my credit cards. like that's what I was doing okay yeah. how many hours a week do you work I'm. just trying to get your life um with my. dad like the 3 days it's like I don't. know it's it's just the 3 days it's not. hourly how how many hours how many hours.
do you usually work those days 30 10 a. day 10 a day okay and then your. other uh four days a week four days a. week it's real estate so I just call. people four hours a day why see that. doesn't make sense cuz that's what you. want to do right okay like one hour is. what I call what so right so it's a so 1. hour a day four hours a. week real like that's what I'm what I'm. doing like but that's not the only thing.
I'm doing though like cuz I call people. but I'm also doing other things like. what for example like showing houses. going count as work I'm asking how many. hours a day you put into it but it's. hard to calculate cuz it's not like oh. let me aage on average I'm just trying. to get a picture of your week uh come on. during the four days I'd say like 12. it's it's not a lot day a day no like. maybe three a day three a day okay well. you can obviously put more time into. that no and if not if okay what would.
you give yourself what's your financial. score 0 to 10 Z being the worst 10 being. the best four currently it was worse so. you think you're just below like an. average solid okay okay if you oh all. right we've changed to three if you want. your Hammer Financial score check it out. Link in the description below it's free. also give this guy some love for coming. on here it can be nervous to be in front. of the camera it's hard also when I'm. curious for the internet because there's. you know there's confused people out. there with some mental capacity issues.
sometimes uh did did we have do you did. we have a conversation with you going. into this conversation that I might beat. you up a little yeah and you said what. did you say I said it was okay okay and. I said oh sometimes I make little. humorous inappropriate jokes what' you. say I said it was also fine oh and what. the what about the thumbnails did you. understand that the thumbnails are wild. and the titles are crazy yeah everything. was understood oh can you tell the. internet to shut the hey y'all y'all.
need to shut the up y'all okay let's get. back to your finances I don't know why. so many people are confused out there. you know it's interesting between the. conversation of consent between two. people for some reason the people on the. outside are like why am I not involved. in that conversation of consent oh man. weird cons Works weird ways all right. well let's dive into a crucial aspect of. your business cash flow I'm talking. about net site by Oracle believe me when. I tell you that it is transformed the. way myself and others are doing business.
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netsuite.com Hammer so discover re. Discovery discover our way. into high interest. de we have. 1,00. $158 on there let's see started with a. balance of. 1,326 so that's actually progress we. made a two 994 payment this is what I. don't like but though I know like what.
what do what like I paid I paid a lot. and then I spent a lot then you spent a. lot so I want to know why do you spend a. lot because you just got a chunk you got. a chunk of money and yes you should have. set 30% aside for taxes just preparing. yourself hoping we're making more money. and maybe that tax bracket would make. sense but either way okay so you made a. chunk of money but why do we put it on a. card. $664. 65 when we are losing almost $20 a month. in interest when there is a $38 minimum.
monthly payment if we have the debt and. we have much more to get through why. especially on a month where you made. that money and you started your second. job where you have at least $20,000 a. year guaranteed why is more money be put. on a card that is accumulating interest. it's cuz. like at the end of the day Caleb like. I'm still going to get through it like. it's like what does that mean like I've. and why are you smiling you said this. before but it's like like we always like.
put stuff like we always push stuff like. to our future selves and I always did. that before and it lowkey worked like. lowkey worked highkey worked I mean I. made the. check but it's high key not worked you. have the balance if it worked you. wouldn't have the balance what are you. talking about also you're 20 what future. you haven't pushed things to the Future. your future of adulthood you've been in. adulthood for three years oh 18 to 20. okay congratulations you've existed for. two years big proud what a massive of. accomplishment I'm I'm I'm thrilled for.
you. so what what do you mean like you. haven't had much time for that to fail. yet you know just statistically that's a. lot of confidence on such a terrible. mindset and basing it off just a couple. years also why why are you smiling. cuz it's like It's upsetting me a little. cuz I'm likeor I just I want you I we're. taking this seriously right yeah I am I. am is it your first time on camera ever. yeah it is I'm sorry no it's okay no.
that's what happens it's okay I just I. just wanted to make sure I just wanted. to make sure um okay so this the first. what so how has it always worked out. because interest is acur and the balance. hasn't been paid off so high key for me. would equal this has not worked out cuz. the balance would be zero if it has. worked out so where's the working out. that has been worked out that's been. worked out cuz this hasn't worked out. there's no working out um so the way. it's worked out for me it's like like. the minimum payment is like what is it. like 50 I I've always done like a $70.
payment like I always done more than the. minimum monthly payment how is that. actually like being okay just putting a. little extra than the minimum you're. still losing interest you are losing. money it's cuz like and you probably. like money you're in real estate that's. a money game that's a passion and money. game but no one's getting into of like. oh this is going to just be a standard 9. to-5 career and then I'm going to retire. I don't know it's just like I'm going to. spend it and then I'm going to make it. later so it's like I'm going just okay. well. and for example I like if you look at my.
spending I try to be like really. conservative with oh shut that's not. true shut shut the IMM me me it's not. this month cuz this month I made the. checks so like bu you spent $133,000 in. a single month what what are you talking. about you conservative what kind of. conservative is that conserv mean like. for the last three months I haven't. conservative St show you sense okay you. know what that is exactly what I did I. stalled I stalled a lot decent attempt.
Dave's Hot Chicken parking Taquito Apple. Bill McDonald's Taco. Bell going and getting some paint which. I wouldn't normally highlight but you've. been you got a but you've but all the. paint you got cuz there's more paint. throughout the stat okay just this the. 170 okay and then McDonald's McDonald's. Subway McDonald's Chili's smoothies oh. guys we're being so conservative we're. having a little conservatism what. conservatism was happening there wasn't. conservatism this is you putting all the. money on just this this wasn't.
Necessities reement I'm good with the. reimbursement I'm good with let me be. very clear but this was not necessary my. boy my lad my dude there is no necessity. I mean wait let me see real quick did. you get reimbursed for Chili's Shing. them to be honest I've never been I've. never been to Dave shot chicken and I. wanted I wanted to go there it was good. oh wonderful I want you to be able to. retire at some point it was really good. congratulations so retirement I'm still. going to retire what do you mean no. you're not you're in debt your netw. Worth's negative it's okay like.
everyone's Network's negative that's 20. years old mostly right but you okay. that's and mine's not that negative like. that's going to piss me off actually. that's going to piss me off actually. because you're in such a good position. where you could be different than the. norm but because the average person. absolutely sucks you're okay with it. that doesn't make sense you could be so. beyond ahead of the game you could. retire. multi-millionaire and you're just like. oh because some people suck it's okay.
that I suck but I don't suck that much. can't even think of an inappropriate. joke to respond to I don't even suck. that much I'm ashamed of myself today. mer. Bank your smirks I'll be honest they do. annoy me just going to be very clear. with you okay just one dude do another I. just I hope you're taking this. seriously yeah I am sorry you are it's. okay that you smirk it's just it gives. that that Vibe hurts I know I'm sorry.
I'm just like a little like nervous and. then nervous yes very. nervous meric Bank we owe see it just it. just gets higher. $244 in. 64 with a minim monthly payment of 80. which by the way starts stacking what. happens when all a sudden we don't make. money what happens when all of a sudden. we don't have to D's money through the. job you know what if we don't sell a. house what if we get in a house $157 of.
purchases absolutely shocked couldn't. believe it the balance actually went up. on this. one making progress everything always. works out right right right mhm interest. of $55 45 what I paid it down again like. I paid another $200 oh good and now. you're going to put an extra $400 on it. like that's just how you do so like. what's the point I'm swiming on it also. the credit limit you're at 2,400 on here. credit limit is 2,500 so you're credit. at the same.
time like you're 20 you want to be able. to do these things you might want to. especially someone in real estate that's. where leverage exists for good reasons. and you can take advantage of it you. wouldn't be able to take advantage of. it Philly ches uh staks Philly cheese. staks from Charlie's Spencer's Gifts oh. good oh and blue they go one in hand get. something naughty from Spencers and blew. you to get it up I went to.
956 huh what's that um the valley like. Valley yeah like um I went to RGV like. real gr like the the island for the. talking about you for spring break I. went to the you went to spring break. somewhere yeah to RGB like RGB like yeah. blue green St Padre Island St South. Padre South Padre South Padre yeah okay. that's where a lot of Texans go to yeah.
it was. nice all we the relation sorry never. mind you need blue chw to go on to oh. sorry I I'll stop oh okay it was it it's. cuz like it was like I left the house no. issue with you getting that by the way I. was making a joke relating it to. Spencers I was making a joke for me. being like going on vacation you nailed. it sorry I didn't and deer Brook dear. Brook something it's nice oh good. and so it's $164 of interest and $30 of.
free this year so far and we're you know. not even halfway through the year that's. also. nice again you have so much opportunity. at your age if this money was being. invested in the S&P 500 instead of this. time thinking of the compound that be. happening over the next four decades by. the time you're 59 and a half is when. you can withdraw penalty-free so I've. been about the S&P I've been trying like. I did see something a little later on. and there was some for that but but it. doesn't 100% make sense and I'll explain.
why at that point but spoiler alert 10%. no well no 10% on average that the S&P. gets from down here up years combined is. smaller than the 30% interest on the. credit card so what the is the point I. know I wanted your opinion on that I. just gave you it and your Jeep you have. a Jeep Vroom Vroom Zoom it around what. is it it's uh I saw it earlier what is. itler yeah 2016 J he's he's a man oh. he's so cool we got his Wrangler what's.
the balance you totally have on this uh. right now it's. 31,000 th000. 31,000 no it's not 31,000 look at it. that's what it. is it's mine it's not on here it's not. oh that's what it is right now though. 31,000 on a a 16 Wrangler hey it was not. a car dude so I don't know I just have. uh you know just something just nerdy. being fair like if exp you be Affair to. this no not an affair like what I'm what.
I'm trying to explain the situation. during the time was I was 18 took it out. for me Adventure um I took it no my. parents just took the car out for me and. I wasn't in the table I didn't know what. the interest rate was I didn't know what. the price was I just like this your I. it's not it's in my parents name okay. well that's completely different yeah. that's not in my credit but it's not. it's their debt but I'm paying for it. since I used the car and I wanted the. car and I was like oh I can't take out. the car the camera hey guys you like it.
if I just do the whole episode looking. like this is this is this good is this a. good I know sorry why in the world do. you have this Jeep guy it doesn't make. sense for someone when did you get this. did you get this at 18 I did yeah okay. getting this at 18 is just silly this. doesn't make any sense does it like this. this expensive of a car at 18 is. ridiculous that's like a beater. territory man that's where you get the. beater car this is weird see this is. what you're doing so I know I'm sorry I. know it does look kind of weird I see.
now explain the situation I had a truck. I was paid off like my dad gave it to me. when I was 15 you know I have a great. dad he gave me a 20 20 year 2000 truck. it got stolen after the truck got stolen. I bought a car the car the I got this. car yeah but you could have got like a. $10,000 car that got you places for. years to come I'm guessing you're not in. college are you I I went for a year I. took a year off cuz I couldn't afford to. go to college and pay the Jeep and pay.
the Jeep I me the Jeep over College hey. it's a year break it's still going to. work out I'm not the biggest woo woo do. college no matter what kind of I don't. know what I'm doing college for college. now that's fine but we can still do Jen. as a community college thinking about. what I'm doing you yeah but we could. still do genen Ed at Community College. you're going to they are the required. classes that you're going to need to. have for every degree and Community. College is cheap Community College is. usually pretty cheap I can't speak for. whatever's in Houston but in Austin ACC. dude it's penes on dollar when it comes.
to cost. College okay it's okay to take time off. but choosing a Jeep over college is. objectively dumb yeah but at the same. Jeep over colle that sounds like a. title my way of justifying it. was I didn't know what I didn't know. what I was doing in college I I know you. said that I didn't know what I was doing. and I already had the jeep it's not like. like I had to pay it anyways and I. what's the term what's the term on this. Jeep so I didn't know for a while but I.
checked on that thing and I think it's. pretty sure it was six years and right. now it's how many years are you into it. two I think so it's F at 18 buddy what a. way to just hold back your money what a. way to just hold back your future as a. Jeep Cherokee from. 2016 it still drives it's good I'm sure. it still drives it better drive cuz you. owe $3. 31,35 24 on it so it better drive. what's your minimum monthly I don't know.
I always pay more I always pay extra but. it's 560 570 to who to that I pay. directly to that I have I have the. account what's your minimum monthly and. how do you pay extra cuz you don't make. that n what 570 I think it says unpaid. balance is 660 unpaid was 660 oh I guess. after whenever I got the check I paid. towards that like 1,300 I paid for this. month and next month and then this month. I already down 660 yeah so last PID was. on 38.
38 buddy what's oh never mind uh so it's. 680 680 I I don't know it like I had to. look at the paper I'm very like mine. went I don't know I forgot everything. I'm going right now sorry don't be sorry. to me this is your situation man this is. your. life do you pay for car. insurance it's I do but it's under my. parents name I'm not I'm done under the. car insurance how much do you give them.
it's 400 a month oh my oh just recently. on here man what is with no you're just. so you're just so early into adulthood. you're in your third year of adulthood. and you're all your money's being held. back by these wants these wants. with engines that die and break how many. miles are on. this it has 47. ,000 okay that's interesting so this.
wasn't driven very much before you got. it it it had 25 I think when I got it. pretty. good spark business so this must be the. real estate. card um no this card was it was a really. dumb decision it was really like on the. line any of these been good decisions no. this is probably the worst one um great. every year we get a fee as Realtors like. they have to pay like $400 under 500 yes. I didn't have the money and I couldn't.
pull it on anywhere I I opened a credit. card and I paid it with that yes you did. so it is real that's exactly what I did. yeah $12 of. interest you paid more than the minimum. and finally for the first time no. purchases minimum monthly payment $17. $472 balance and. 67 again like another 30% interest which. confusing me why we put some money in. the S&P 500.
yeah to Capital One savior the Savior. card I don't know what the it's saving. you from but sure. $352. 2016 okay with $857 of Interest acre you. put $700 towards it but again you almost. made it worthless by just. putting half of it right back on like. this one I this month I spoil myself I. you don't have room to spoil yourself no. you don't have room to spoil yourself. how do you think you have room to spoil.
yourself well how do you think you have. room to spoil yourself you chose Jeep. over College you have I'm I'm trying to. tell you how like when you see when you. see the the the 10K in your bank account. it's hard to be like you know what I. mean like it's not hard it's being an. adult and you're three years into. adulthood so it's called maturity it's. called talking to someone if you get a. big lump sum of money talk to someone. who knows something talk to your parents. talk to your well you already spent the. money my parents still got the Jeep for. me no I know but. just talk to someone who's had money.
you're right actually you're probably. right don't suck at money so I like oh. should just emailed me or something now. we get too many out I I don't think I. would have seen it. but fine spoiler for the future if you. get a bit a chunk of money take care of. youring mess that you put yourself in. don't put it all on. Denny's okay I took the family out6 to. Denny's they came from. Mexico sorry you okay are you crying I. know I'm not going to lie I teared up.
once and then it just kept coming oh. it's okay are you okay what what's going. on nothing I don't know I just I guess I. got nervous it's nerves I want L just. nerves I promise okay we're cool I. promise okay well I just want to make. sure I'm not going too hard for the. Denny's um my family came from Mexico I. felt nice and my mom kind of like told. them that I made money I felt bad like. being like Oh I can'ta why the would she. say that I don't know my mom she was. like oh I'm proud of my son he sold. house that well yes that is cool that is.
cool you know I mean like he was like. but not like oh he's made a of money or. something like that like that she. probably didn't say like that you okay. you're good can I get a tissue like oh. sorry right for you my peripheral isn't. that good just want to make sure you're. good yeah so I normally wear contacts. but like this side it got kind of messed. up so I'm wearing glasses today. yeah yeah I feel they suck $25 minimum. the. payment you're treating them to an. America meal and you go to Denny's I. guess classic hey they're.
cheap also Ubers and more Chili's and. some. taquitos if we make the money man if we. make the money and this is why these. videos should go to everyone in your age. range the moment you start making money. you do not lifestyle inflate yourself. right up to where I have the money I. should just spend it all you got to take. care of the mess you put yourself in. first again you're right okay you don't. know what to do in college so maybe you. don't need to do college right now I'm. happy to gift you a certification from. course careers I don't think it works.
for your situation cuz I think you're. more in the real estate world but I mean. there's a lot of things but you don't. know what you want to do in college so. it's okay but the fact that you said you. pick Jeep payment over College payment. that's crazy and if we get an influx of. $14,000 of course set 30% aside for. taxes another Learning lesson but take. the chunk of money and throw it at the. car if you if that is holding you back. what's the interest rate on the car. I think it's like 10.7.
something so that's not beating your S&P. 500 on average I want to refinance it. I'm trying well rates aren't much better. and what's your credit score your cards. are maxed out right now it's like 620. I'm trying to get it up yeah good luck. on getting a great rate buddy then you. owe $7,000 still to your. family oh no that was just like I'm. telling you like the numbers like very. random cuz telling you like a quick. story um whenever I painted the truck. they my Dad paid for the paint cuz I. guess he wanted to paint it too the.
paint was 5,000 I didn't pay for that um. and then when I I got a car after that. and he paid uh the car was like 4,000. and I only paid like a th000 to him so I. guess I stole him 3,000 for that and. then that's it and then like for the. Jeep it was the $7,000 that I paid 4,000. what the total you owe to them I don't. know I have't like can I borrow the pen. like probably doing some math yeah. getting some math okay do your math. doing Memory Lane give me a second. you can't use credit cards man you are.
not a credit card person you haven't. shown to use a credit card person I will. allow you especially cuz you're going to. be it doesn't matter if you ruin it I'll. allow you to use the Fizz card that's. what people are allowed to use if. they're bad at credit cards cuz at least. it'll help your credit. but you're not a credit card person I. would close these accounts if I was you. so don't yourself before you even get to. the drinking age okay yeah I don't drink. me either but still. so that's I probably you 11,000 so it's.
more than we thought it's $4,000 more. than we thought but being fair like my. my dad never he never like he never. tells me like oh you owe me like well. you guys need to start keeping record. and why are youing so much money all the. time stop okay the5 is there a monthly. payment that you owe him or is it just. whenever you whenever whenever I does he. ever bring it up when he's mad at me I. guess there it is which means he's. thinking about it if it's it's in the. back of his head that means he's. thinking about it if he brings it up in.
that situation so you need to get that. weight off of you again oh fun fact you. brought in $ 14,000 hour in a month. that's why I paid them four I tried huh. that's why I paid him like 4,000 I tried. I tried to like bring that down it was. 15 I you live at home I do I PID them R. what other bills do you how much I pay. the Wi-Fi which is nothing and then I. pay 400 a month so 400 plus Wi-Fi yeah. and then the the insurance but that's. like car payment okay yeah I want to see.
this Jeep that can we see the Jeep is. the Jeep here no it's not it's not um. talking about the Jeep I took it to the. shop in the morning I have to spend. another. $300 go like if you look at the. statements later a lot of the a lot of. the like a lot of the spending is parts. for I saw. O'Reilly yeah a lot of it what's that. what what's wrong with it it has like. 40,000 miles um the suspension if it. messed up let me try to see if I can. find you a picture sorry if I put my. phone out drinking all the Red Bulls and.
you have a Red Bull phone look at that. look at you cute and match he look I'm. telling you I haven't been splurging I. have an ugly phone I have a little phone. I've been wanting to get a new one and I. haven't you know I've been being ad. about phone I don't care yeah that's why. I haven't gotten it you pay your phone. service no my parents paid it for me. good lucky okay look it looks like. that okay send us this picture I want to. see hey try us towi please sorry sorry. don't just don't swipe.
sorry what would I see no nothing but. I'm just saying like normally like you. don't want to swipe right it's common. courtesy well I wasn't going to I'm. sorry I sorry did it have this paint job. when you got it uh yeah so there's like. a little only thing I had to on screen. some of the paint um that was on there. which L I guess they paid for it cuz it. was part of the 160 that they reimbursed. me was um everything in my power not to. swipe not that I wouldn't have gosh. curious little kill but all a sudden got.
curious but anyways like the hood like. it I'll send the picture to you but the. Hood um like it got kind of rusted on. top like the paint started peeling off. so I I painted that as well this cars. your entire Financial life this is. insane it's so stupid I I don't know how. to get rid me through a day on your real. estate stuff um what time do you wake up. the perfect you said six right perfect. day is five but normally it's six yeah. but you work three hours a day what the. you doing with the rest of the time why.
are you waking up so early if you only. work three hours a day that's not when. cold cards are going to be are they no. I'm trying to schedule my life like I'm. trying to like how how long does it take. you to schedule 3 hours no it's normally. four that I should be calling but like I. just look at the screen I'm I'm like I'm. just I I don't want to call the people. like I look at the screen and it's like. so this the right job for you then why. are you doing real estate tell me why. you're doing real estate I'm doing it. because I want to I I like it cuz so you. do want to you have a passion I have a. passion for like the only reason I I'd.
say like I don't automatically like do. the work is because I'm I'm very like I. guess I'm a little insecure in like not. knowing what to say when it comes to. like making the phone calls well that's. very important this is essentially a. sales job yeah like um what I was trying. to do with I guess like what I was also. trying to plan out was like what to do. with future money coming in but with my. next commission check I wanted to like. use a chunk of it to pay for have you. sold and bought a new house right right. now I don't have anything under contract. I have so when the next commission check.
then huh so you don't know when the next. commission check is I don't so we. certainly don't blow the full. 134,000 in a singular month do we it's. not it's not 100% gone I saved a little. bit how much. two how long you're so lucky you live at. home it's the only reason you're allowed. to do this cuz your parents will cut you. slack if necessary and your dad is. giving you a guant $20,000 a year yeah. they're good.
um what was your question how long is it. going to last uh no what okay so how. long do you sit in schedule in a day. what do you sitting staring at the. screen figuring out how to use 3 hours. of your work. day does that take um schedule is wake. up at 500 go to the gym at 6 um try to. work at 8 from 8 to 12 that's like. perfect like those 4 hours would be like. the perfect time for me to work but I. don't really work I mean like I work for. an hour like I do follow-up calls.
Minecraft doesn't count and that's. something better I've been doing I look. I don't go on Minecraft anymore I just. stare at the screen like I just like. zombies stare at it how is that more. productive than throwing ender pearls. lowy would be funner to play Minecraft. I'm not talking about fun but how is. that even more productive anyway it's. not so what do you you're just literally. staring like what do what do you do. during those hours S I mean I don't know. I'm not going to lie guilty pleasure is. looking at your videos well thank you. I'm not going to lie you be looking at. your videos a lot good I wish help you a. bit more until now huh I wish it I wish.
this I wish that was shown in your. statements I keep I see comments every. day like oh my gosh I got an emergency. fund because of the show and all this. stuff like where's your emergency F the. way it started. was yeah it's not here okay it's not. here after 12 what do you do after 12 it. would be like lunch but lowy i' take. like a three hour break I don't do. anything till like after 3: okay you're. lazy yeah that's what it is you're lazy. you're putting everything on debt got.
putting everything on future me we. figured it out huh putting everything on. future me yeah but why future years is. going to be. pissed also future you always right now. $133 in our checking account what the it. went. up two actually it's going to say the. same it's the same no you're right Z out. $1,000 Tik Tock shop Tik Tock shop it's. like $5 no it was like $12 and also you. have debt you have debt and you go to.
Denny's and everything else $560 a month. on going out to eat. food yeah. so extremeterrain.com zel out 2000 Z out. 100 getting some. taquitos Robin Hood there you go you put. $1,000 in doesn't really make sense. because guess what we have really bad. debt getting some Taquito getting some. Taquito McDonald's House of fries Subway. at least eat a sandwich that tastes like. food Z out $1,000 ATM withdraw who knows.
where that went. $100 Amazon Amazon more Denny's we're. back baby getting some pancakes North. Line. Carnival oh I went to rodium oh FR was. nice McDonald's. Z I had to take him cool yeah something. $9 a bull teu you're a teer you're a. teamer was terrible I've never it's for. me to organize my all the paperwork in.
my desk it looks like this you don't do. anything during the work day so what are. you organizing and then famous walk eBay. $237 on eBay what the did you get on. eBay uh I got. headphones to eBay yeah I mean they're. cheaper they're always cheaper on eBay. it's used uh pre-owned yeah it's like. refurbished headphones okay I mean I. just don't know if I want someone else's. ears good time smoke it's great Habit to. have it 20 good job I'm trying to quit. Subway good I want you to quit I want.
you to quit the long J why like why do. all the financial sacrifice if like. you're not going to live very long so. you know quit for the life of your. longevity right how long have you been. with your girlfriend over there uh two. years two years okay so sounds like it's. a little longer lasting you know. hopefully we're together even longer. yeah you want to be around let's not uh. destroy our lungs. yeah US motion.com. 24 $3 I got I got. re they refunded me that I didn't catch.
it to cancel it on time it was like one. of those free uh free trials oh yeah. Amazon zelling out money ATM with draw. who knows where that went Raising Cane. zelling out money zelling out money. Little Caesars more Little Caesars. America's best I got glasses oh yeah. that's. an no that's a glassic guy that's a. those are 500 no it's uh it's it's a few. things it's like the membership for 3. years for America's best what is this.
buddy just go to war Parker I got these. for like a hundred bucks no normally I. get like these cute but it's this and a. year Supply contract contact contacts. you do contacts okay sorry and there's. use motion again oh that was uh refund. yeah refund okay and here's in Robin. Hood this one's silly it's 1,000 bucks. in as we saw which makes no sense cuz. again you have 30% interest rate it's. mostly in the S&P 500 you do the. Vanguard version and the spider version. okay and then you have take to. interactive as 15% of your portfolio.
what are you trying to do here that's. why would you have a single stock G yeah. that's why for it to come out but it's. not here yet buddy whenever it comes out. I'm hoping it's going to no that would. be that would be great that would be. lovely I'm just going 15% of our. portfolio in a single stock is. objectively stupid this bad risk. management also it's $1,000 also it's. you're again you're waiting for GTA 6. like it's going to probably get delayed. like 50 years hopefully it goes up a lot. in those 50 years your debt is 30% no.
you're right it is going up too yes it. is yeah so the jeep that we chose. College over that we can't afford on a. normal month unless we make a big amount. of money a month but we don't put the. big extra amount of money towards it is. in a shop because it's always getting. repairs on it even though it's only at. 40,000 miles great yeah it's pretty nice. you put a lot of money towards it it. doesn't make any. sense all right your spending categories. break down like this 30.6% go to housing.
or 4,035 that doesn't make sense let me. see. it let me help you out a little bit I. don't know what you're going to get from. that cuz I think the was where I you got. a head on your rent yeah that's yeah cuz. uh when I was on the pH I 10 months of. rent up front yeah that's what I said. like 40 the 4,000 I paid them was that. doesn't make sense buddy doesn't have. interest that 4,000 could have gone to.
debt with interest even if it wasn't. debt it could have gone in the mark. don't freak out yet my bad calm down let. it fuse say your thing so it wasn't like. 4,000 it's like like kind of. the like this is what I mean by like my. parents thatt isn't really like. categorized like I don't really know if. I paid that towards their debt or like. if I just cuz I gave it to my mom for. her to put it towards the house I just. gave her the money and she was like okay. and right now they haven't been they.
haven't been charging put it towards the. house they own a house they're about to. pay it off okay they want to pay it off. they need your 4,000 to do that I mean I. helped them I mean it was like 4,000. like this is such like helping them I. guess I know and I love that but it. makes no sense you have 30% interested. debt and you have no retirement you're. not starting to contribute you're only. make you've only made one sale in your. career and you're working three days a. week really three three sales okay okay. over the course of two years one year. one. you said two years before okay like one. year anniversary was this month and then.
these percentages are skewed because of. that but transportation. $1,881 to. 14.3% that was all the all the parts for. the Jeep dude it's got the gas you got. the Uber got the parking got the. O'Reilly Advanced Auto Parts your car. payment your electric charging bus. ticket then we didn't even have yeah. it's cuz you paid double on the car. payment but we didn't that may as well. make up for the car insurance then your. bll food 600 bucks basically it's insane.
unknown shopping Walmart Amazon Target. that kind of stuff by the way no. groceries in here fun fact $293 49. Healthcare medications uh gyms. $529 what did you do for what this is in. the healthc care gym stuff oh America's. best that makes sense and for gym I pay. once a year so okay and then made blue. Che and then the barber shop okay and. th000 hours win of savings it's kind of.
dumb right now your version of savings. doesn't really make sense miscell bullsh. VI stopping and getting this is the. dumbest crap ever pointless unnecessary. $2,483. 129 the Tik Tok shop the offroading. equipment for your Jeep the Houston. Rodeo Teemu eBay smoke shop Spencer. Gifts the AI assistant Pack Sun um The. Shoe Palace Marlin auto paint definitely. not necessary for survival. and then just additional just gas. station stops and getting things large.
purchases. $245 can't afford this life you're. living you're just inflated yourself. like crazy 1,700 bucks was a gift marked. by you selling out an additional $533. your driver's license and ATM withdraw. what the gift $1,700 when you have high. interest debt oh your gift give to my. parents was it paying back your debt or. was it a gift Okay so. like being clear so a, also the rate on.
the car is 12% not 10% kill me on the. car is 10% 12% oh it's hard I thought my. bad. um yeah I guess I just gave him more I. just gave him money so I I guess I them. can uh producers may we have a value. check on this car do you know the VIN. number you have a anywhere yeah I can. get you a picture good yeah get them a. picture. can't believe you blew $10,000 man.
that's like a fully funded emergency. fund for some people you don't. understand what position you've just. blown what you've just destroyed like. trying to like I guess like explain. myself was like for the paint I had the. jeep paint like like it was like peeling. off for the past year I was like okay. let me fix it who cares and I was like. oh budy you spend $1,000 a over $1,000 a. month on this car without the. maintenance without the depreciation. without the gas without the paint he.
already spent over $11,000 a month over. $112,000 a year yeah $12,000 hour a year. at 18's insane that's like that's more. than I made at 18 part-time in. college hey I used to make a lot of. money as a server great maybe you should. do that because you have debt to pay off. and to take care of you know you're your. 25-year-old self you're your 30-year. oldelf and you're certainly your 59 and. a half year old self because you're not. even starting any compounding the amount.
of preparation for the remainder of your. life to be set up for Success the. opportunities are crazy that you're just. throwing away it just hurts to see like. this is why it came yeah I know and. that's why I'm telling. you but also like trying to like it's. okay do you want to go back to college. what do you want to do for a career I. don't want to what do you want to do for. a career for a career I just I want to. do real estate full-time that is what.
you want to do so we're not going to go. back to college I'm not okay that's fine. when do you want to move out um doesn't. matter okay like actually next six. months next six months what the what how. how did you just go from it doesn't. matter to 6 months cuz I went from lying. to you telling you the truth I went I. want to be clear with you thank you I. appreciate that why do you want to move. out in 6. months my parents are great but. sometimes they're a pain you know what I. mean sure they're parents yeah yep.
you're a kid yeah they're a kid you're. not a kid you're an adult but you're. their kid I'm trying are you okay yeah. you sure yeah am I going too hard no. it's me thinking about my bad choices. well buty aren't that bad no no okay uh. High key yes they are but it's but this. reaction is actually good this is a good. reaction I'm not like I'd ever want. anyone to cry but this action shows that. you actually at least recognize your. mistakes and it shows that there is a.
potential change in betterment of your. future that's a good reaction to have I. don't like seeing anyone cry wait to be. honest it might be a side reaction of. the Red Bull cuz I never punch you. you I'm going to what are you I haven't. even had to say that this. episode by the way you owe what was it. on the Jeep 31 oh good it's worth about.
$20,000. yeah I try to trade it in it's a perfect. place to be in at 20 I'm really upside. down negative equity yes you are really. upside down but guess what fun fact if. you sold it borrow $10,000 to pay off. the loan and an additional $10,000 to. get a car that's not fancy but will get. you to A and B safely for years to come. that still saves you $10,000 overall and. I would rather that be done for you you. do not need this man you do not need a. Wrangler what are you wrangling you're.
not wrangling anything in your life you. already got a girlfriend you're not out. there wrangling no but like you like me. sending money too no one okay that was. you I kind of thought it might have been. me I'm sorry I was playing with my phone. um explaining the. Jeep I've already my parents want it my. parents like it too like I to tr but. it's your financial future or so so what. do I do like how do I have that. conversation with them where I'm like. I'm actually taking care of my financial. future so I'm going to do this but.
technically it's under your name and if. you're not down for it then I'm not. paying. you that's a hard conversation so much. easier said than done I get it but also. that's manipulative if if they're going. to force you to pay for it but they're. also not going to allow you to ever sell. it like that would be like. legitimately so is there a way I could. like help them a little bit with the. payment it's not about the payment buddy. I'm trying to save you $10,000 but you. need at your age again $110,000 is an.
emergency fund $10,000 was the best. month you've ever had $10,000 can grow. to uh uh what like what 50 $70,000 by. the time you. retire I don't know. sure yes oh thanks I didn't know that. number well I don't know I mean I was. just doing some quick math I could. definitely be off math isn't my best. right so real estate's what you want to. do and I'm all about it but if you want.
to do real estate full-time we're. working we're working more than 3 hours. a day there's going to be slow days. absolutely but the way you knocked on. the door and got that and closed $1. 13,000 hour in your pocket or 14. whatever that shows that the work you. put in worked but of course for every. 500 knocks you do you're going to get. one yes and 499 nose but that means you. need to go out there instead of settling. for 500 with one yes you need to go out. there and do 2,000 and get four yeses.
yeah that's what that's what your career. is going to be and the more of those. yeses you get the more they start to. compound in the real estate world as. well because they come back if they. enjoy their experience with you the next. time the people that just bought this. house sell a house in like 5 10 15 years. when you're just still into your career. they're going to come back they're going. to be like this dude was great I want to. sell my house now can you put it up and. you're like I'm putting it up and you. get that money this is you this this is. not a month-to-month thing this time. you're putting in on a daily basis is.
going to pay massive dividends over the. years to come you all got to use my. favorite high yield savings account. where you can get up to 4.6% on your. money plus FDIC Insurance up to $2. million you can also get up to $300 for. signing up today it's the personal high. yield savings account that I use for my. money so don't let your money be losing. money while it's just sitting there. click in the link in the description. below and get those bonuses I haven't. done a lot a lot of work but the work. that I have done I'm already seeing it. like I have two active buyers right now. you know what I mean they're like.
getting ready to put out offers they're. good what's your commission going to. be if everything goes through which is. not guaranteed at all let me pull out. the calculator cuz I don't like to. calculate it until I see it you know. yeah which I get and I like to jinx. myself y I know I get it but I just want. some numbers make sure you're setting. aside money for taxes again said that a. lot of times that'll be the last time I. say it probably not so for one a. 65 and then for the other one 165.
1,650 10,600 what you say 6,500 sorry. okay and then sorry it's I'm putting my. commission split on it as well yes uh. 2,700 plus. still I mean you get that over the. course of okay so you get that over the. course of a few months I mean yeah. that's that's still barely. you know survivable if you want to move. out in 6 months and I want you to be. able to move out listen you're trying to.
be an adult while also acting like a. baby if you want to have the adult. things like moving out if you want to. have the adult things like having a car. if you want to have an adult things like. having your own real estate business you. can't do the childish things of. continuing to spend money on a card that. is a greent interest you can't do the. childish things like going to McDonald's. every second of your life and going toes. like subway no one deserves the. punishment of going there anyway so. there's no point it's cuz they're cheap. like a child doesn't figure out how much. they owe their parents an adult figures.
it out adult has the hard conversations. with the parents about what do I owe. them and I need to get rid of this Jeep. because it's just weighing down my. financial future yeah okay so your. income it's hard to put down but let's. get you somewhat of a budget and of. course you're going to go through the. budgeting program and you're going to go. through the self-employed section and. get the nitty-gritty and build out your. true budget but this is a good just. Baseline. so what say your rental was again 400. but when's the next time you're going to. have to pay that you may have overpaid.
if you paid 10 months of it I know it. was like a gift it was weird but you're. moving on in six months like how do you. recoup like what what's happening no. it's like cuz that 4,000 was like me. also like repaying like the money I owe. like that's that's their money when do. you when do you have to pay your 400. again I once they tell me I guess they. haven't told me but you still pay for. the internet yeah I pay for the internet. every month how much is that uh. 45.
okay gas was 300. bucks parking was six I don't think. that's normal normally that's zero yeah. yeah okay your normal car payment uh. well what's car insurance again 400. that's insane that's wild you don't have. to pay your phone bill your parents take. care of it yeah normally for the. insurance I I called like a few. different places they were all $900 when. I was 18 yeah cuz you have a Wrangler at. 18 well it's stupid doesn't make sense. get a Buick Encore or something I don't.
know some bull I liked it it's nice. thrilling glad I like what everyone say. I don't care like. subscriptions so how do you how what's. the food situation at home how can you. eat eat like do they cook the meals yeah. my mom my moms for everyone okay cool. then your your budget's zero you're not. going out to eat and you're not getting. groceries either I'll give you $10000. for your toilet paper fund yeah anything.
else you need to survive could be a. little bit of fun here and there but. that's pretty much. it that medical stuff was was the. glasses 500 right so on goinging really. nothing else then your minimum debt. payments obviously let's get that so. what the best thing. like 840 the best thing is getting rid. of that rid of that jeep abs abely not. even a question 840 is like basically. your entire like that makes up the.
majority of your budget so you need a. minimum 1685 but you're going to need to. double that probably when you move out. you're going to have to get groceries. you're going to get. rent and then rent to Insurance you're. going to want to furnish the place like. so $33,000 a month minimum probably. survive are you going to stay in. Houston yeah okay so you'll continue. that guaranteed 3-day job yeah. right now I feel like I'm in a place in. my real estate career where I like the.
balls starting to roll like as long as I. put in like if I get my together it's. going to roll get together what's going. to take you what's going to what's going. to get you to work more than 3 hours a. day in a productive way you need to like. read like a workbook or something know. and what I mean by 3 hours is like 3. hours calling and then it's like showing. houses and it's not only like 3 hours. but it's like I. know I could be doing way more than what. I'm doing yeah yes I know people that. work in real estate I love real estate. real estate's great it's probably what. I'd be doing if I wasn't doing this at.
this point it's great I'm in the rental. property game like dude I'm all about it. I know what goes into it so you could. obviously be doing a lot more so I'm. okay with that being your career you. obviously have success at it when you. put your effort into that so you've. proven the concept so I want you to. double down I want you to do minimum 6. hours today woo you know crazy and just. again if that if that double the time. equals double the income that means like. you know every other month maybe we're. getting like 16,000 bucks something like.
that you know 18,000 bucks every other. month like we can live off of that you. can live that budget what I need you to. do immediately when you start getting. your. checks you need to at least I need you. to divide it on a quarterly basis in. terms of just what you have left over. and what you need for your budget like. pretend like you're not going to get. another commission check for at least a. quarter like I'm oversimplifying this. but that's a good way to do it. potentially and then you need to start. tackling this debt and this is before. you move out it's going to be longer to.
move out than you'd like unless you. really start getting these amazing. commissions or you work another job and. start paying off this debt you need to. pay off that savior card first then you. need to pay off the spark business card. then the Discover card then the mer and. then pay back your family all while also. borrowing $20,000 getting rid of the. Jeep in private sale using $10,000 to. pay it off and use another $10,000 to. the $20,000 you borrowed which will like. be at like 12 15% uh you know personal.
loan rate you know you have to qualify. for this you need to see if you even can. like you're young your income. Situation's rough you might not even be. able to and your credit score is not. great either so that could put a damper. on it all yeah uh but if you can do that. then you have $20,000 to pay off then. and then that will be your last in your. snowball operation then you save up a. six-month emergency fund and then you. move out that might be two years that. might be 3 years that might be four. years you grind you work you work 12. hour 14 hour days as a business owner. trying to build your business instead of.
you know grinding on some hitting the. hdden the blocks and punching the wood. if instead you put all of your effort. into this bringing the money the more. you work the smarter you work it shows. that you personally make more and the. more you make the quicker you make it. the quicker you pay off this get a fully. six Monon emergency fund and the quicker. you move out and that's obviously the. goal we want to get to 6 months is off. the table w w w I'm sorry but this it's. okay cuz it's for the longevity of your.
life you're also setting money aside for. taxes cuz you're going to start making. good money from the sounds of it from. these last couple months yeah keep up. that track and at that point you need to. start investing probably like 23 or. something it's however fast you want to. go whatever how much ever amount of work. you want to put into it that's kind of. up to you it's a long or shorter road. ahead with longer days or shorter days. it's up to you this is this is your. journey uh from here. so and then at that point you need to.
start investing man at least 20% of your. income fund a Mumu account fund uh Roth. IRA a solo 401K there's lots of good. things you can start doing so you can. retire what's the difference in like the. Robin Hood account and and a Mumu. account I personally like Mumu just for. the platform itself uh We've partnered. together um and I like the analysis they. do of overall stocks versus Robin Hood. plus Robin Hood has like paused being. able to buy some stocks here and there.
historically and I just don't like that. as an idea uh or selling or buying I. don't remember which one but it was like. the GameStop one gme remember that um. but then also in Fidelity is where I. have like my Roth IRA some solo accounts. and things like that then I just do my. individual brokerage in moooo your. Hammer Financial score you're spending. in a budget was insane you just didn't. have the money it's zero zero zero your. that's not even close to the worst. you're just being dumb the Jeep's dumb. but it's not even your name I'm going to. give that a three out of 10 emergency. fund I wouldn't have it in the market I.
would take that out and start throwing. it towards your debt you don't need a. one Monon emergency fund because you. live at home and your parents will take. care of you i' take that out and throw. it at the debt immediately emergency f. is now zero retirement cuz you're going. to take that out at zero real estate. zero but that will change quickly I. think you're actually going to have. successful 20s you just got to grind to. do it Hammer Financial score right now. is going to be a 0.5 out of 10 make sure. to check out all the resources Linked In. the description below is they are what I. use or would use in specific situations. including the best budgeting program in. the history of the internet now stick. around for the Post show today on the.
financial audit post show like for. example next month or like next 2 months. I'm going to have X amount and then paid. off you know what I mean but you didn't. you you got the money last time and then. you didn't so why would that change this. time yeah and I guess what the situation. was no why would that change this time. yeah and no why would that change this. time to watch the financial audit post. show click the join button below.