Ex-Facebook Employee Refuses To Grow Up | Financial Audit

hi I'm Chris soucis I'm 39 years old and. I'm based in Austin Texas this is. financial audit welcome to the show. thank you for coming on so what do you. do for a living right now nothing. wait yeah I am currently unemployed I. used to work for Facebook. um they let me go with the first round. of layoffs oh dude I'm sorry yeah it was. uh it was a bummer. um that was back in November of last. year and I haven't worked since.

what was your position uh program. manager but I focused on managing. relationships for the payments team oh. come on Zuck yeah yeah well that sucks. I'm sorry I know that the tech Market. got hammered with some layoffs and. I I'm very curious what that Market's. gonna do because tech stocks have done. very well yeah this year so far I'm. curious if they're gonna start making up. some of those positions again but a lot. of them say that said they over hired. but whatever whatever. even applying to a bunch of program.

manager jobs I not specifically so I. took some time I struggled with mental. health too so um when I was like I was. actually on a medical leave oh okay so I. took some time to kind of try and get. back on top of my my mental health and. then when I started applying for jobs I. just had I mean it's been probably three. or four months of regular applying and. I've had zero luck you know you don't. have to tell us by any means but if you. want to do you want to go into your. mental health and what that might be.

absolutely yes um yeah it's. I've struggled with depression and. anxiety my entire life since literally. single digits yeah. um I had a an attempt in high school oh. wow um and then uh. just kind of dealt with it for a long. time in 2016 it was getting bad again. and I went to see a therapist who told. me in order to continue seeing her I'd. need to be dairy free gluten-free. sugar-free drink half my weight in.

ounces of water every day. um walk a mile or two every day it was. it was Preposterous but it made me feel. like I wasn't even good enough for. therapy like I had to do all this other. therapist I didn't I was really crushed. by that yeah she sounds like uh or they. sound like a. interesting yeah yeah. um for sure I've been to quite a few. therapists I've never experienced that. this was by far the worst I've. um encountered and so uh I spent the. next couple of months just kind of like.

tolerating it and then uh. September of 2016 a Confluence of events. just advice from friends and uh being. tipped off about the Whole 30 workout. and a bunch of other stuff. um I started working out and I lost 100. pounds in the course of like 10 months. and found a new you know got promoted. and things were going great. um. ended up dating a girl that I'd been in. love with for years and we were together. for maybe a year and a half and then she. broke up with me.

um and that kind of started another. Spiral I had already. encountering what I call uh. occupational anxiety. um just I get really anxious when I. worry that I'm not gonna meet somebody's. expectations whether I'm close to. meeting them or not. and one day I was on my way to work. and just had a breakdown crying punching. the steering wheel because I was happy. or I had everything I thought I wanted. to be happy yeah but I didn't feel it. and so I really I had a breakdown that.

day and couldn't go back to work after. that and was trying to get a YouTube. channel going trying to find whatever. was next and eventually I think she got. tired of that. um and we separated and after that I. took all of my. um savings my. um. stock money my retirement money. and I. because my mental mental health was in. the dumper said I'm gonna live my next. six months like they're the last six. months of my life and then I'm gonna end. it oh no yeah yeah and so I I had a.

blast I don't want anybody to feel sorry. for me I went on a couple of cruises I. went to Hawaii I went to pro wrestling. school. um all right I did a bunch of fun stuff. um a bunch of things that I thought I. would never be able to do I grew up in. the projects in Upstate New York sure I. never thought I would leave the city let. alone be able to travel the country or. the world so it was very cool to be able. to do those things. six months came up. I no longer wanted to not be here good. and.

had to figure out a way to survive I. didn't have any money left I didn't have. a job I didn't really know what I wanted. to do so I started doing ubereats and. living in my car. I would park my car at night at uh how. long ago was this this was uh 2019. okay. I would park my car at night at truck. stops loves or Pilot or Flying J. because you're not going to draw as much. attention there lots of vehicles park. there overnight they have showers food. bathrooms always clean so it was like I. made the best of it that I could except.

for the lizards there's that they never. bothered me because I was in the car I. think they were sticking to the trucks. um where people had money but honestly I. had two neighbors two other people. living in their cars in the same parking. lot that I would see regularly. um and so yeah I'd wake up in the. morning I'd take my shower at the truck. stop and go do Uber Eats for 12 hours. and then come back to the truck stop. what are we doing with the money. putting gas in the car food wasn't. really making much and then there's the. maintenance I blew a tire for a while.

I'm a big wrestling fan so for a while. the only thing I was doing. um aside from ubereats is I would kind. of pull my money for the week and then. go see a wrestling show interesting that. week just because it was like I need. something to keep me kind of going. um. and then one morning I woke up at the. truck stop to an email from Facebook. saying hey would you like to talk about. this opening we have I was like of. course you know. um I thought it was a scam I reached out. to a couple of friends and was like did. you put them up to this did you mention.

my name and it was just they found my. LinkedIn. said hey let's talk to him and I was. able to secure that job I went from. being homeless to making a hundred and. eight thousand dollars almost overnight. yeah. it was a blessing it was amazing I mean. they flew me down here to Austin for my. uh interview on Halloween 29th oh so at. that point you were in New York yeah. okay yeah. um that was the first time I'd spent you. know the first night I'd spent in a bed. in probably two months yes at that point. and you know I didn't tell them that I.

was gonna hire a guy who's yeah living. in his car but somehow you know I took. video interviews from my car and um they. flew me down I got the job they put me. up for a month things were going well. um found an apartment downtown. pandemic hits. everything shuts down I've got no. friends established I just moved here. adult friends are always hard in new. locations too yeah and I'm not a big. drinker. um and like that's what people do to. meet people. um. so I became very isolated and that's.

where my mental health struggles kind of. led me to over the last couple of years. where I don't know anybody here so. I don't leave home you know it's and. then I put all the weight back on and so. now I feel you know gross. um and don't want to be seen in public. unless I'm with people so to be clear. you are not gross thank you I appreciate. that like objectively well and that's. the thing with mental health right is. nobody's telling me these things it's me. telling me these things you know. um I've always felt like oh people think. I'm a piece of nobody's ever said.

hey Chris you're a piece of that's. always me saying for sure you know. um so I appreciate that I'm still. working on getting it through to my to. myself I mean there's always a. conversation to be had about okay yes. there is like unhealthy healthy we want. you to get to a place where you're. healthy I want to get to a place where I. am healthy but I mean dude you got that. beard Rock in your handsome dude come on. I appreciate you but of course there is. the conversation of health and we do we. do want to get health and that is not.

um a part of the conversation even. shameful to acknowledge to say we want. to get to a place where we're healthy. and where we live alone your life and. that includes for both of us you know. eating better and probably being more. active and losing some weight totally. and well that's the thing right is it's. if I don't want to be here now. why do I want to get healthy to be here. then well you know and also to say you. know based what happened in 2019 based. what's happened recently and based what. happened in high school I am very happy. that you're here with all of us right.

now thank you normally this is where. I'll plug subscribing but. if you are dealing with anything mental. health at all and I have a panic. disorder I'm you know everyone has their. different things 988 it's the emergency. hotline for anyone dealing with anything. so definitely uh reach out to 988 if you. are just 988 988 I didn't know that uh. yeah I think it's about a year old. almost that's awesome yeah so that's the. emergency mental health hotline that's. good to know yeah and it uh it actually. connects you with like a regional Place. based on your own thing too wow so it's.

not just some person thousands of miles. away right yeah helps but. um I am very glad that you're here with. all of us today and I'm very glad that. you know you never went through with. anything. um that's you know very. just. yeah no I'm happy for that so uh how has. life been here in Austin uh you know. recently you said you moved here had a. hard time meeting people have you have. you had a chance over the past few years. no I um just because I had gotten to. that point where I wasn't comfortable.

going out you know now the only time I. really see people is if I bring friends. or family into town sure um where are. your friends uh New York going back to. New York I have especially now. um so my lease is up at the end of. August. um that's quick yeah yeah. um. so I've got to figure something out. um I have talked about going back even. just briefly to try and get back on my. feet and maybe. um. refresh myself in terms of having that. social.

um interaction and maybe gets a little. bit of happiness back before. coming back and trying to do you have a. connection Austin do you feel anything. about this place. is there any reason for you to stay like. I I think it feels pretty clear to me. like go back but I'm just to play. Devil's Advocate is there anything here. I genuinely love it here oh not even. really knowing the city I just I New. York sucks you're from Michigan I. believe I read. six seven months of gray not for me.

um that was one of the issues I think. with the X and I is I always wanted to. move South and she was never going to. want to everyone always asked me what. checking account I use and what. high-yield savings account I use. recently I switched over to Sofi the. reason I did it is because their app is. very intuitive and it's super easy to. use on your computer as well but even. better than that their high yield. savings account is all the way up to 4.4. percent at the time of recording this. clip that is so hard to beat and I am. taking advantage of that all day and not.

only that but there's additional bonuses. that I took advantage of that you can as. well set up direct deposit get a 50. bonus are all the way up to 250 dollars. that's free money that's free money I. took it you could take it too so check. out my affiliate Link in the description. below it's seriously awesome I use it. each and every day for my banking needs. I think looking out that window is the. first time I've seen a cloud in like. three months it's it's wild I I mean I. send my my family you know the 100. degree day days for 10 in a row yeah.

that's a bit much but yeah but I'll take. that over dark dirty snow that's been. there since October. um but your friends are there your. friends are there support systems I'm a. big country music fan so I like that. about Texas big sports fan NASCAR's 15. minutes away once a year which is nice. so there's a lot of reasons I'd like to. stay here Plus. I have this nagging feeling of I haven't. made a Mark here okay and I kind of want. to make a Mark what's this YouTube thing. you're doing so. um it's in the description it's the.

royalty pod it's royalty podcast. um. I started it just over a year ago with. my friend Matt from high school I I went. to college for radio I wanted to be in. radio really I wanted to just have. people talk about me and enjoy what I'm. doing and help people along the way and. so we've tried to do that with the. podcast we just goof around a lot we're. friends from high school he's in New. Jersey now I'm here in Austin but we're. from Troy New York so that's why we call. it royalty. um. and we'll just have a blast we've really.

uh. the show has evolved a lot from when it. first started when it first started I. wanted to just be this raw thing and. then I realized oh people do want a. little production value they want it to. be a little prettier and so we've tried. to tweak on those things and really. develop it. um over time and he's based out of New. York he's uh New York New Jersey so it's. virtual yeah yeah we uh connect uh once. or twice uh once a week either Tuesday. or Wednesday we do the Charlie podcast. we also do the academi awards which is a. movie review show. um all on one channel all on one channel.

how many subscribers do you have just. hit 300. oh nice well I do those. Milestones are the hardest ones to hit. so that's worth celebrating it's very. exciting I mean we were very stagnant. for a while we're stuck at you know 150. to 200 for a while and we hit on. something recently and it just kind of. took off and so good we were thrilled. with that and hopefully it continues to. grow we just want to have fun yeah yeah. yeah. um there's no point in doing it if it's. not fun no I started this for fun. there's so many shows that are just. people arguing and yelling at each other. and I don't want to do that yeah a bit.

well yeah I probably will once we get. into all this but if that's all you're. doing I think it's easy to tune that. stuff out so we try to keep it very um. keep a good mix of content and he's um. he's a gay man I'm a straight man and so. there's a lot to play off of there. um putting each other in each other's. shoes or the fact that I uh I go over. the top for pride and he doesn't like oh. funny so just trying to find a little. opportunities to kind of I guess stand.

out and be be ourselves so what have you. been doing for getting back to the. finance yeah part of things. first of all I want to give you we've. had this is a great backstory this sets. up a lot of context for things to come. what would you give yourself zero to ten. what's your score right now financially. speaking for Where You Are. uh in terms of the overall finances. and then I'll give you a rating at the. end as I always do.

how November to now is quite a while ago. was that nine months no 10 months almost. how have you been. surviving and paying for things uh how. have you spending how have you been. spending 2 302 in the past month on food. fast food I spent that much. because the delivery part can add a lot. yeah of money yeah. um so Facebook was very generous when. they let us go and they kept paying us.

through mid-January. and then we also got a severance package. um which I think was around twenty. thousand dollars for myself. um and then I had uh retirement funds. and I took those out no yeah again so. this is the second time you've drawn. retirement yeah okay so I'm sorry I I. was I was wrong it was uh about over it. was over a thousand I needed now and. then combining with uh going grocery. store shopping that was two thousand. grocery shopping and that's a lot to.

grocery shop a thousand dollars still. tend to throw a lot of groceries away. because I do so much takeout you throw a. lot of so you do a thousand hours in. groceries you throw it all up. the first time you took out of your. retirement account. how much was in there in 2019 best guess. it doesn't have 300 percent. oh okie dokie thirty thousand and let's. see that was 2019. so that would have. been just following the General stock.

market like 35 000. how much did you. just take out recently. that was I think 30 as well. okay so of that. you're almost 40. if you retire at 65. 26 years Average stock market. no extra additions that would have been. worth 516 000 hours you lost 516 000. hours. that's what you just lost was 516 000 by.

pulling it out when would that have been. 516 000 65. Counterpoint. I already retired twice. already you have you need to go make. money now right yeah do you what's in. savings uh I think it was about two or. three hundred bucks at this point. how are you paying for this month. so I paid my rent ahead yeah okay I've. got you know a few hundred bucks cash.

and I've got some credit and. so hopefully a job soon. what what have you only applied for the. jobs that were like your previous. position or have you just been applying. to anything and everything I've been. applying so I started out just applying. to tech jobs things similar to what I've. been doing things that could uh. come close to what I was making yeah. I've since opened that window quite a. bit. um I've recently applied to Bucky's and.

Enterprise Rent-A-Car scheduled a phone. interview with me on Thursday so. um there's some very entry-level jobs. out there. um that I could probably get and I'm. hoping to get if nothing else comes. through I did have an interview at. McDonald's that I decided to skip out on. just because. I've got six years experience so I think. I could probably get a McDonald's job. pretty easily and they were scheduling. interviews but you have like a couple. hundred dollars to your name yeah yeah. well I don't you need to buy food soon.

you're gonna need to have a place to. live soon you probably have other bills. well you definitely have debts yeah yeah. we've even gone into they you'll have to. pay are also going to collection so like. we accept we get a McDonald's job right. now and then while we have that we. applied to better jobs I guess my. concern is I don't want to start and. stop and then leave them short but I. guess I really don't owe them anything. they are used to it they are used to it. here you guys do you well the employment. contract between you and them is to say. first of all they can fire you at will.

so you're giving them a two week notice. this is being nice anyway and. um really you guys are just agreeing. okay you work these hours they pay you. this. yeah there is no indefinite servitude. involved in that plus it's a very high. turnover thing so they're not going to. be offended they're used to it. um okay okay so now we'll talk about the. income situation. 1541 is on a Credit One. is this one that I have another. statement for because I can't really.

I've got two credit ones that's the. second one I think yeah those are two. separate cards for Credit One is it one. of these this is a Credit One. because I I can't see what was like. spanned. or anything so that's one of the credit. ones. who believe the last four digits. okay so on this one we have a balance of. oh dude yeah this is why we need to. start making money now. credit.

one. this is. 1541.16. geez I think that was paid off last. month too. so you just rack that up every month. I've been I thought it was good for my. credit too now this time because it's. some Google YouTube video so like a. rental and ubereats ubereats Lotto Uber. Eats ubereats ubereats. Amazon music that I don't even know what.

that is I need to cancel that first of. all we're not going to say where you. live I know where you live you're. surrounded by incredible restaurants. that you can walk two seconds to yeah. why are you Uber eating that whole not. feeling comfortable being seen outside. I get very fair I get it I. okay are you currently in therapy oh. this is going to come down to this okay. how often are you seeing your therapist. uh I was seeing her weekly um she's. agreed to continue seeing me without. um insurance but I don't feel. comfortable seeing her weekly that way.

so we're gonna move to my weekly expense. how much is it going to cost bi-weekly I. think she's gonna see me for free until. I find something she's incredible yeah. okay have you uh. has it helped therapy yeah yeah with her. and everything yeah she's she's great. have you worked on you. not being able to leave your place like. you're here on camera in front of like. 200 000 people this I can do I can be on. camera I can do my show every week you.

know this is not an issue because this. is I'm performing in a way you know. I'm in front of the lights I'm in front. of the camera there's something about. like I could go on stage I've been on. stage in front of 30 000 people before. introducing Taylor Swift. not a problem you introduced Taylor. Swift interesting she opened for uh. Rascal Flatts back in the day. um did you mate the Swift I did I did. this is back before she was one of my. employees is very jealous right now this.

is Teardrops On My Guitar Taylor Swift. um yeah when it was just her and her mom. visiting radio stations in their car. um it was very cool but yeah I I can do. this. so this is going out your place and then. among the general pop just because you. move on to like the busiest Street in. the world. because I thought that would be okay the. Catalyst for me to get out I'd be right. there in the heart of it and I love the. street I'd love to go out and experience. it I just don't have anybody to. experience it with yeah have you tried I.

don't even know if this works but the. Bumble BFF. no I didn't know that was a thing yeah. you could do like a friend searching. thing on there one of my friends made a. friend for a second on there but it. might be something worth considering. have you maybe no there's again this. might deal with the anxiety and stuff. like that but there's also like. different groups and stuff have you. tried anything I haven't. um I've meant to I'm meant to like. looking to Overeaters Anonymous or. whatever but I haven't have no excuse. for why I haven't.

um my therapist is very much encouraging. me to get out of the house. um. and what I'm having the conversation. with her I feel like yeah I can do this. there's nothing stopping me I can go. walk outside right now but then we hang. up and I'm crippled again maybe you need. to walk outside while on the phone with. her that's a good idea yeah yeah. might be something worth considering. either way the Uber Eats it's not like I. want you go going down to the restaurant. anyway like you're getting a thousand. hours of groceries I put people on a 300.

budget for themselves for groceries why. are you Uber eating instead of making. the food. depressed to. cook or clean up the dishes from the. last time I cooked or I can't. combat that or do anything with it. because it's just. I'm not a mental health expert by any. means it's. I think your situation is already gonna. start coming down to just working with. different mental health experts to. address the overall situation then you.

can address the finances but it's hard. for you to do that in Reverse yeah. because if mental health is the barrier. then it's. in an odd Twisted way part of me is okay. with this because I'm so used to living. in. chaos and in survival mode this is like. extra though I know oh I agree what. happens on what happens on September 1st. that's a great question. I don't know. um. the plan right now is to I guess the.

worst case scenario plan is everything. goes into storage and I drive back to. New York and. try to find something. while they're you know staying at a. friend's house or whatever I kind of I. got a little mix up here we have another. credit one so this is a separate Credit. One right yeah I got two credit ones. this one's not paid off or is it at the. time of the statement it wasn't 300. bucks by the way you're doing with so. many fees on these credit ones terrible. credit one's evil so it's these monthly.

fees it's killing you I mean you paid 72. in uh interest this year so far on this. card probably similar on the other card. if not more actually probably more and. then you paid 73 dollars of fees on this. Garden you've probably paid more on that. other card as well Credit One is death. and it's buying weed yeah so good for. your mental health. it's a good question. um it's one I've had several times from. and two mental health. um experts uh I've had recently mental. health experts tell me Don't Rock the. Boat.

um are you on any medication yeah okay. yeah. I'm on. what is it Zoloft I'm on lithium I. previously was doing ketamine treatments. which that's pretty popular recently. yeah check out our Channel if you want. to see me freak out during a ketamine. session and throw myself to the floor. it was a lot of fun at times and it did. help initially but over the long run. I just was not agreeing with it and I.

would have these moments where I would. flop out of the chair and do kind of. like the curly Three Stooges walk in a. circle yeah. I'm on Celexa that's fine. uh uh can't be a millennial if you don't. have an antidepressant yeah. okay and then we have a Capital One you. did pay it off but now the balance is. all the way up again and but you don't. have the money to pay this off anymore. correct. Uber Uber.

it's it's Papa John's ubereats Papa. John's Papa John's weed Amazon Amazon. ubereats ubereats ubereats ubereats oh. geez your T-Mobile bill is expensive by. the way yeah financing a phone I am. ubereats ubereats Regal Cinemas. you went out once yeah that was that was. for my show how was that. um it was fine what did I do that was to. go see uh the new Indiana Jones movie so. I can review it how'd you feel. comfortable there was a purpose yeah I.

was okay with it oh okay. yeah that's a comedy went to some comedy. but you're you know you're around a lot. of people that's the thing I didn't go. to that comedy show. um I do this too it's a lot of advice. and the day comes and I can't move. it's really bad. two more Regal Cinemas. and Netflix. ubereats dominoes Amazon Uber Eats. Amazon ubereats ubereats ubereats. peacock peacock. streamy yard.

stream yard yeah that's uh the program. we use to do our show wow so. take to drink from and you can. UK 30 20 and you're not in any bad debt. shop.caleb hammer.com or in the. description below. those other things what. okay I'm just trying to think. there's not uh to be completely honest. there's not much I can do here this is.

this stems from a mental health thing if. we don't feel confident or good enough. to get out to do this to do that. if we're being held Bound by depression. and anxiety which is all extremely. reasonable and is a big part of life. and self-image issues that is not my. thing yeah I can't do anything about. that I can I mean okay very clearly we. go get any job we can while we look for. the better jobs yeah and we do that. three months ago four months ago five.

months ago six months ago so you. wouldn't have gone to WrestleMania I. would not have gone to WrestleMania we. pay off the balances we don't use credit. cards because now you're maxing out the. credit cards and well you're not maxing. a mile but you're putting a lot on them. you're not able to pay it off I'm. probably getting a cheaper rent. starting next month if we're not going. back home maybe we do go back home and I. have an emergency fund of which you have. drained and I don't pull out retirement. accounts there's a lot of things but. none of them and I would cut back and I. would only be cooking at about 300 400 a.

month yeah. none of that matters if you literally. mentally cannot do that and that is. between you and your therapist this is. it's not an excuse It's not a. justification it is just the reality of. the situation and I don't know what I. can do yeah I think you know I guess. part of me is hopeful that just being in. this situation will be enough to kind of. like I said the the survival mode kicks. in and maybe I get out of that.

I can look past the fear he wants some. survival mode I'll tell you this at this. point you're dying stocking shelves on. the Walmart floor in your 80s yeah. yeah. well there's also that hole you say that. the Doomsday uh aspect where I just. assume I'll never live that long well. well there is this this is beyond my. qualifications but I know it for myself. there is the health aspect I will only. speak for myself I need to get to a. healthier place if I am going to live.

longer yeah and so that is a big part of. it as well and I know that if I don't. get to a healthier place especially as I. get older not only will I not live. longer I won't be able to be as. productive and I might not be able to. participate in those activities that I. might need to bring in income yeah so. that is a thing and that's a reality I'm. not an expert and I will not talk on the. health part of it at all but I'm just. speaking of that from myself so whatever. we decide to do. you know this is the personal choices.

around that yeah there's again I know. there's a mental health barrier so and I. don't know what works best for you well. in the way you you mentioned you know uh. wanting to be here longer when I think. about that I go oh the only reason I. would want to be here longer is for my. friends and family and that just kind of. falls into another that's another item. in the Box for maybe go back home for a. bit yeah um I agree with that okay well. yes let's make a let's make a mark in. Austin but let's make it Mark in Austin. by going back home for a little bit. maybe taking control of our health.

taking control of our mental health. physical health our uh our budget our. Financial Health all aspects of the. different you know pillars of Health. which I'm sure is the thing somewhere. and if we can take care of that. including just our the health and our. relationships and stuff like that then. maybe you can come back down more ready. than ever to just take on the world and. just win part of me is hopeful that I'll. find a job that forces me to be in. person here and then hopefully that.

helps on the social aspect I don't know. what gives me the finances Etc what if. you get too anxious why you just don't. show up and then you just lose your job. like that's the thing there's potential. for that there's things I should do for. my job that I don't do because I have my. anxiety thing like if there are certain. situations that would be. like yes I wish I could be forced to do. this in order to do this but then when I. get to the moment I'd probably just. choose the easy brain part of it out of. just well I think similar to coming here.

there'd be a purpose for me to go to. work okay you know what I mean like well. you know you it's not. if I'm capable if I know I'm capable of. doing the work I'm not as worried about. being there. um. that's when I start to doubt myself so I. guess if I got the job I'd hope that I'd. feel like. I belong. um saying that I do realize that and is. that what you would choose to do would. you rather get a job in person here. would you rather go home for a bit.

There's jobs up there oh I know I would. rather get a job here okay in person and. try to stay if that's what you know you. want then that should be our goal then. we try to do that we get our job we take. control of our budget you're finding a. cheaper place to live like you have oh. yeah you have a car I got a car so it's. likely going to be in more Suburbia not. as fun not as pleasant not as good as a. view I assume you have a good view no. not really um. well Midway through the building and. everything's shot up around there so. okay fine that'll be in boring Suburbia.

car dependent death and that's fine I'm. fine with that that's what it would be. back home oh there you go okay so that's. perfect so maybe we shoot for that we. need to take control of the budget and. you know. just as an overall thing because I I'm. not gonna lay out some stuff here. because again this just is going to come. down to your mental health and there's. even more documents and I don't know if. it makes sense to go over them there was. some more gambling and you know some. just spending on ubereats and a lot of.

other stuff that I would definitely cut. back on any addict there are addictive. Tendencies I know when it comes to. glocking down some mcnugs and uh stuff. like that like that stuff that triggers. this happiness is in the brain and I get. it and I assume the same thing with the. different gambling things and stuff like. that so those are things we need to work. on as well well it says Lotto is that. not gambling well it is uh lotto.com I. think that's only like once in the last. okay I thought I saw it a couple times. but.

um okay even though just those things. slippery slope oh sure yeah very hard to. get out of so maybe we do some group. things maybe. oh. I'm not going to lay out a whole thing. I'm not going to go through the rest. because this is going to come down to. mental health but what I would do for. you right now. is take care of the mental health thing. we shoot for a job we get a cheaper. place further from town we take control. of our budget and this is the budget I'm. going to give you specific numbers but. add up everything for what when you're. working you might work two jobs by the.

way. fifty percent of your take-home pay. or less. goes to needs rent. utilities car debts whatever it is all. that all that is added up. at no more than fifty percent so that. sets your guidelines. the rest goes to paying off all the debt. until you have no bad debt yeah and then. once you are I want to take a brief. moment to thank today's video sponsor. Aura are you sick and tired just like me.

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aura.com forward slash hammer or check. out the link at the top of the. description below thanks again to Aura. for sponsoring this episode with that. bad debt and you have a six-month. emergency fund which you never touched. unless an emergency pops up calculate. what you need to live for six months you. save that up and it's either that or ten. thousand dollars whatever it wants the. most. and I do ten thousand dollars at a. minimum just in case anything happens to. a car or medical yeah it always helps so. once you have a fully funded emergency. fund all the bad debts are gone fifty. percent of your income and no more goes. to needs you need to start investing at.

least 30 of your income maybe more but. at least thirty percent of your income. on a monthly basis then you can have the. other 20 to fund whether that be eating. out doing group activities starting some. new hobbies. that's it one thing I'm going to. prescribe you. is. uh just because I know it's good for. mental health and it's good for Life. longevity and it's because you've. brought it up specifically or else I. wouldn't have brought it up let's go to. the gym. yeah we'll start doing some gym things. it's a gym in my building well yeah.

maybe maybe what you need that's even. better is going to a gym going to a. specific gym like down the street maybe. we're joining a fitness program maybe. we're getting a personal trainer even. you know like uh once a month so it's. not like crazy out of your budget by any. means the though that's something I. would start considering because that can. help with the social part and that can. help with the physical part again that's. outside of my knowledge cooking at home. would be productive on the budget. and the mental health front yeah.

um so I get it I get it and trust me on. those days when I can I do. I push and I get what I can done it's uh. just those days when. you can't and they start to snowball I. mean you get it yeah no I do so that's. right now. work with your mental health expert take. her off on the weekly. maybe I know you said you feel weird. about it but that might be something. worth happening maybe join some group. things yeah group things in terms of.

like you you mentioned something and. over eater's Anonymous Is that real yeah. oh yeah that's the thing that might be. something worth consider joining yeah. yeah I thought about that I thought. about marijuana anonymous yeah and you. might actually meet some good people who. you form relationships with there as. well for sure which would be really cool. um I got lucky by finding a good group. of friends down here. that honestly is kind of rare in adult. life in terms of going to a completely. new place and making a new friend so. going to these different groups could be.

good places for that as well but. definitely and I know we're pretty far. from the finances aspect of things but. that's because all this is. that all. is gonna stem from you taking control of. just your overall life because you're. not anything without your mind I mean. your mind is you yeah so just better. taking care of yourself regarding that. and then just know that you matter you. really do matter. um. especially to these credit card.

companies huh. you matter take care of yourself in. every way possible and you can get to. the other side and we can talk about the. budgetary stuff once you get to the. point where you can right now I need you. to take care of yourself yeah I. appreciate that do you have any final. thoughts or anything you wanted to talk. about. no I appreciate the time uh you know. this was uh very helpful I think coming. from the projects and I mean raised on. welfare I have zero. Financial knowledge you know in terms of.

you mentioned investing I have no idea. do you mean just throwing money in my. savings account that will pay yourself. first are you talking stocks like. I know about these things I just don't. know how to do these things and you know. having pulled. thirty thousand dollars out and then. twenty thousand dollars for my severance. I was like how can I make this work for. me and I just couldn't think of anything. other than funding my show my podcast uh. how much you've put it into that I. purchased three laptops some monitors uh.

we had a I bought one cheap laptop which. fried out. um so I replaced that. um some Shore microphones uh. yeah put a little bit of money into it. oh. yeah I wouldn't have gone that route but. okay yeah I um start cheap definitely I. struggle with that. um I wanted to come out of the box this. is gonna be perfect obviously all this. might look nice for now but we haven't. even had all this stuff for like more.

than a month and oh well yeah and then. even before that yeah it was nice but uh. we had that we didn't have any of the. last set for the first five months you. know I started with a couple cheap. rental things I edited everything myself. yeah. that's where I'm at I'm doing all the. editing all the producing but just know. you don't need to keep putting money. into it especially when you don't have. money oh I've definitely stopped. um last year. um because like I said I wanna. do good things too I want to be. charitable so like we took our patreon.

funds and I just donated them for the. whole year they give them to you too. okay it was only a hundred bucks it. wasn't like we got. a ton of money but I donated that. hundred my own hundred and my co-host. also donated 100 so a nice little. Charity thing we did a contest. um for back to school to give people. some money to spend on back to school. stuff and just you know that's the kind. of stuff I want to do be goofy and. irreverent but also help people and know. that you can help people more and give. more once you take care of yourself. first and get to a better position when.

you're in a better position you have. more to give for sure so it's an. investment to give eventually in the. future by taking care of yourself now. yeah. I'm sorry I cut you off though do you. have any final thoughts no that's I. think that's it I think that covers it. for Chris it's definitely. very hard to overcome a lot of mental. health things and I get that and that's. what he has to address first before we. start hitting some of the uh Financial. things because it is behavior first when. it comes to you know certain people's. finances and that's definitely has in a.

lot of that sense from the mental health. so for his hammer Financial score he. gave himself a 2 out of 10. spending. within a budget zero 10 spending that. much on ubereats when not making any. income can't be higher than a zero that. one out of ten not collections not IRS. debt so it's not gonna be a zero but I. can't give them higher than a one going. into that credit card debt and some. other debts we didn't even talk about. because there's no purpose honestly and. then retirement 0 out of ten pulled. everything I'd give a negative number if. I could emergency fund there's nothing. zero out of town real estate there's.

nothing zero out of ten rounded Hammer. Financial score zero out of ten make. sure to check out all the resources. Linked In the description below I have. some paid affiliate links there there. are resources that I either use or would. use in specific situations like a very. high yield savings account good. investment accounts where you get free. money when you sign up like acorns five. dollars for five dollars and don't. forget to follow my Instagram and. Twitter thanks also Whoever has the most. viewed Tick Tock or YouTube short using. a clip from this video I'll send you a. hundred dollars post however many times. you want but you must tag my YouTube. Tick Tock at and put YouTube Caleb.

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