Financial Audit's Biggest Cuck

I was in a secret relationship for 3. years. So you were in the secret. relationship? We were engaged for 3. years and we spent 3 years planning a. wedding, but she was busy marrying other. people. What the [ __ ] are you talking. about? We weren't ever legally married. The total of people that she was married. or engaged to was at least. like download my budgeting app today and. take control of your money once and for. all. And for a limited time only, sign. up for the annual version of Premium and. get my cookbook and notebook signed and.

mailed directly to you. Link in the. description and pin comment below. Hey, my name is Nate. I'm 25. I live in. Houston, Texas. And this is financial. audit. Nate, thanks for coming over. What do you do for living in Houston? I. am a OVN at a skilled nursing facility. Uh, what's an OVN? I don't know. Licensed vocational nurse. So, I'm one. step below an RN. Okay. What do we make. in that then? I make 33 an hour. Not. bad. How many hours though? Um, anywhere. between 40 to 60 hours a week. Sometimes.

I'll have What's normal? Normal. probably 90 to 100 hours bi-weekly. Okay, cool. What's hitting your account. on a monthly basis? I think around like. 5,500. Honestly, I don't On a monthly. basis, that's not bad. I mean, Houston, it's not one of the more expensive. cities of the major cities in in Texas. So, I mean, it works. Okay. Why not RN? Why'd you not go all the way? So, I'm. actually in school right now uh to.

become an RN, but that did have to take. a pause. I took a 3-month sbatical. because I can't afford it. Just three. months. Oh, you didn't qualify for any student. loans? I don't I qualified for student. loans, but they're not covering enough. It's just the regular like subsidized. loans. Okay. But I don't qualify for. anything else. Well, how much did you. qualify for? I think that they gave me. $6,000. I'm honestly not sure. I wasn't.

paying that much attention for school. Well, you weren't paying that much. attention, but you decided you couldn't. pay for school. Okay. So, I was paying. attention to how much I was going to. have to pay out of pocket. How much were. we going to have to pay out of pocket? Uh, starting this quarter, it was. $1,300. Like $1350 a month. quarter. Are. you going to pay quarterly? They pay. So, I have to set up a payment plan if I. can't pay it all up front. Yeah. So, sure. They only let you pay for the 3. months of the quarter. You have to pay. that up front or can you pay it monthly?

Monthly. What would your monthly fee be? 1350. Where do you go to school? It's a. private college. Why? Because I mean. that's your choice. It's a bridge. program. It's for LVN to RN. and I. didn't have any prerequisites going in. and so becoming an RN would take me four. years schools left. I will. graduate June July of next year. Yeah, but June July of next year based on when. do you start again? I'm going to start. back at in June. Uh end of June, early.

July. So you have a full year? Yeah. Of. $1350. No. So, for the quarter that I'm going to go. back into, it's going to be$ 1350. And. then there's the potential that the. following quarter my payments will go. up. I have like four or five more. quarters left. Will go up. Yeah. I started out paying. How are you living right now? How do you. feel? What's going on? I'm living. paycheck to paycheck. 5500 without the.

school payments is paycheck to paycheck. net 5,500. I just stopped the school. payments this month. I So I finished the. the last quarter ended. How many hours a. week were you working during school? I. was working full-time 40 hours at least. Wait, why couldn't you pay the 1450 then. on a monthly basis? Because now I'm. going to have to be in school more. full-time. So the last two quarters we. were doing online classes only. How many. hours a week would you have been able to.

work in this new semester format? Um, I. would be able to work really only. weekends, but I. would be able to average 36 hours every. weekend if my job had the availability. Okay. So, obviously we're trying to. figure out how to pay for it in the. future. Uh, why are you here? I'm. originally from California. I was born. and raised in California. And so, we. better go to a private school in. Houston, I guess. Well, September of.

2023, I didn't have an option but to. run. I left to run. To run. Run? What. are you running from? My ex-wife. She have a knife. What are we What do. you mean? So, I was. in a secret relationship for 3 years. So, you were in the secret relationship? Yeah. So, no, it's a I was engaged to. somebody for 3 years. She was also. engaged in marrying multiple other.

people while we were together. I'm. sorry. I'm just noticing something very. interesting. I just have to call it out. Because your ginger is so. light, you you know on your face, you. can only see the little caps of the. mustache. Yeah. Meaning as you have this. only this is available. It's like a cat. whisker, but you can't see this. No. Is this is this why she was hiding. you from the world? Um, no. I think she just really loved the.

fact that I had money when we first got. together. Oh, you did? I did. I had. $30,000 in savings as a 20-year-old. So, she But were you making a lot or did she. just like that there was a little pile. there? Uh, she was. 31. So, I was 20 and she was 31 when we. got together. Crazy. But she was after. 30,000 hours. Well, so I had started. nursing school at the same time that we. got together. And so she had just really. seen how much money I was bringing in.

with a disability settlement and then. seeing the potential for money coming in. being a nurse out in California. especially. And so I you making um at. that time I was a CNA and then when I. became a nurse my starting wage was 28. and I ended up making $38 an hour before. I left her. I mean no no it's very good. California is higher you know in terms. of what it costs to live but yeah 38 is. great.

Um it's usually not like sugar daddy. status so I'm a little confused. Well, so she I I She only liked you for the. money, I would assume. So, I think so. What do you mean by secret relationship? So, everyone on my side of the world, so. my family, my friends, everybody knew. that we were together. Okay. Her family, her kids that she had that I was helping. raise, didn't know that we were. together. What? What? Okay, that doesn't. make any sense. Uh, what did they think. you were doing? They just thought that I.

was her best friend. Her her Okay, I'm okay. How old are the kids? Uh, one's 18 now and the other Oh, no. Was. he a [ __ ] Wait, how old are you now? I'm 25. 21. I was 21 at the time. Was he. like a dumb ass 15-year-old or. something? He's very intelligent. I. mean, that's probably the smartest kid. I've ever met. I think he knew. I don't. think so. But she proposed to me a month. and a half into the relationship. So,

I'm What the [ __ ] are you doing? At this. time, I was 21. I'm I'm still a kid. I. lived at home with my parents. You were. not a kid. I lived at home with my. parents. I wasn't really doing much with. my life. I had dropped out of college. twice at this point. Congratulations. You made the adult decision to do it. You were 3 years into adulthood. Don't. say you were a kid. If you were a kid at. 21, you shouldn't be allowed to drink. You shouldn't be able to drive. You. shouldn't be able to have a car. She was. my boss. So, she was impressable on me. You She was your boss. Okay, listen. She. was impressionable on you, but let's not.

use the I'm a kid. I'm not going to let. you infantilize yourself. If you need. daddy to hold your hand for you to make. any life choices, then you're right. You're a kid. But you were 21. Stop with. the stupid Gen Z infantilization. You're. an adult. You were 3 years old. decisions. So, I left. Just please don't. use the kid thing cuz I'm You're not. going to get sympathy with me with the. kid thing. The boss thing, that's weird. And we can talk about that, but don't do. the I'm a kid at 21. Like, you you're. not. And if you actually were too. immature to be able to choose who you're.

having dinner with, then guess what? You. can't have a job. You can't serve in the. military. You can't smoke. You can't. drink. You can't drive a multi-tonon. monster down the road. Okay. If you. can't decide who you're getting a salad. with. So, no. I'm a kid. Boss. Weird. Not Not for that. Go ahead. Tell me. She. also would make me take the engagement. ring off that she gave to me. So any. tell me about the boss thing cuz this is. like it it might be like. almost not predatory but like very.

inappropriate. So we worked in the same. office. We worked at a skilled nursing. facility out in California and I had. gone to an admissions office because I. got an injury on the floor as a CNA and. I'm no longer allowed to work as a CNA. And so that's where a lot of my $30,000. ended up coming from. So she was the. admissions director in that office. [ __ ]. It was just me and her. How did you. start? Um, she would start to make comments to. me like, "Ooh, I love your 25% of a.

mustache." Like, no. Like, she would. say, "I had gotten a new car." And she. would say, "Oh, when are you going to. take me on a road trip?" And then she. was messaging me one night and it we had. been talking about Can I ask a penis to. penis question? Was she Was she attractive? I thought. so. Okay. Well, you thought she was. attractive. You're I mean, if you. thought she was attractive, you thought. she was Even if she was in a position, you know, it's a bit Is it Can I see a.

picture? I don't have any. You don't. know her name? I know her name, but I. don't I She is not a part of my life. anymore, right? So, I don't I don't have. any access to her. She has no. uh That's your business. But like, could. we look her up? The Lindsay's asking. Oh. Uh, sure. If if you want to. She. She's She's the tea queen. No, she want. She just wants to see. And I want to. see, too. Listen, it's not going to be.

on screen. It's not going to be on. screen. Um, okay. I do have to ask one. question, though. Out of just concern. for you because again, uh, in in the age. of Is this Instagram? Yeah, she's on. Facebook. On the age of buzzwords and. everything. Yeah. Um, you know, I just. want to kind of see what things were. She was in a position of power, correct? Positions of power exist in. every instance of life, right? Uh, the. existence of one is not a bad thing. The.

abuse of one is a bad thing. Did she. ever leverage something over your head. saying you will not get a job, you will. not get paid, blah blah blah. or or. equally as bad. I will give you this. from my position of power if you do this. thing with me. Um, did she do if she did. either of those those are abuses of. power and that's bad? No. Okay. So, you. wouldn't say there was an abuse of power. dynamics? No. Okay. That's that's just. if we're having this conversation, it's. an important conversation to set the. stage with, especially since I'm very.

curious to hear how this full running to. Houston and going to a private institute. and getting a trillion. I mean, listen, we have a lot we have a ton of debt. here. Yeah, we have a ton of debt here. Kill me. Okay. Yeah. No, this is this is. that this all right. This is going to be. an interesting one. I actually can't. even find her. Okay. Well, it doesn't. really matter that much. I was just, you. know, you know, I was just like, you. know, as a dude, you know, if I saw an.

attractive person, I'd be like, you. know, maybe I'd flirt, too, boy. And I. felt good about myself. It was like a. confidence boost. I have this woman who. is 11 years older than me who's. attracted to me. You think that I'm. doing good for myself. You think that. I'm capable to be a husband and to. That's an immediate jump. Okay. Wow. Well, cuz a month and a half, she did. propose. Okay. You made it sound like. she flirted with you once. Like, I'm a. husband now. Uh, yeah. That's crazy. Did. that not draw red flags likeing mad? Oh,

it did. But, uh, I see red flags as green flags. So, I Okay, you're going to have to explain. that cuz that's the most thing I've. heard. I've been with people who are not. good for me. So people who. are unhealthy for me to be with and. interact with, it's just it's what I go. for because of the crap that I dealt. with growing up. I. just decided that that was the way to. go. And I thought that you know what, maybe being with somebody who seemingly.

had their together. How old is she now? Um 3 turning 36 this year. No, turning 37 this year. Okay. So she. had a kid at 189. And you were honestly. kind of closer in age to the kid than. her, weren't you? To her oldest. Yeah. I. mean, it's weird. Don't get me wrong. The proposal thing is crazy. And you. think it's all because she saw $30,000. in a checking account cuz that is not a. make or break life thing. I think she. saw longterm money and somebody that.

cared about from because it's like. you'll have a good middle class, potentially upper middle class, but it's. not even like a true gold digging. Well, I'm also somebody who cares. And she had. seen that I would go above and beyond. for people because she had asked me. So. you accepted the proposal? Yeah. Why? I thought that I was in love. Okay. So. yeah. First month everything's heated. Everything's exciting. Right. And so I. ran with it and she ran with my money.

She knew. She knew how much money I had. the whole time. What did she do? She. would consistently check in throughout. the years of us being together. consistently checking in to see how much. money I still had left over in my. savings account. And she would say, "Oh, I thought you had more." Or, "Oh, I. thought it was all gone by now." She her. intent was to drain me of my money. Yeah. But there but then but then there. were legal issues because you were. involved in a marriage situation. It's. not that she could just leave. Well, we. weren't ever legally married. However, she was legally Did you know that? I.

knew that. Yeah. We were engaged for 3. years and we spent 3 years planning a. wedding, but she was busy marrying other. people. What the are you talking about? Oh, this is Full Hammer Springer today. Caleb Springer, whatever we've called. it. Caleb Boage. What the are you. talking about? And that is why I ran. So. I tell me, tell me, give me context. So, Aprilish of 23, weird was going on. and she had gotten a new job, but she.

was working really odd hours for the. position that she had working overnight. to be an admissions director for a. skilled nursing facility. You don't get. admissions at night. I was just I was. naive and I cared at that point. I knew. what was going on, but I cared more. about the kids. And so during this time, she's rescuing um her ex-in-law who is a. drug addict who's homeless. Sure. Who's. she's getting me involved in the care of.

him. She didn't marry him. She did. She. married her brother-in-law. Ex-bin. She. married him. She actually got pregnant. with him. And what the [ __ ] are we. doing? I found that out when I left. The. day that I left her, I found out that. she was pregnant, which is funny because. we had done IVF about a year and a half. prior. What that paid for out of pocket? That's so expensive. How much did you. spend on that? Um, a couple of grand. Okay, that's not as bad as I thought,

but that'sing crazy. Still, I don't know. if it ever actually happened because it. was during CO time and so I wasn't. allowed to go to the not get pregnant. Oh, okay. Yeah, sure. What the? So, and you guys lived. together this entire time? No. So, I was. living out of a bag in like a spare. room, storage roomish situation in a. house that she had with her best friend. and her kids. Um, turns out her best.

friend also happened to be her domestic. partner. Wait, how many people was. sheing? At least like five. At least. five from what I can count. And that's. all that I know. I don't know if there. was more people intertwined in this. web t this is very I don't give a. whatever. What are you guys? Me and my ex. Yeah. Yeah. Okay. Up until. like April and then she started to act. weird and then So what do you mean by.

run? You ran cuz we're talking we're. setting the we're setting the stage, right? You're in this that because of. this. So what was this run instead of. like just move to like a half a city. away? What was this run to like across. the country? Consistently make comments, casual comments just throughout. conversations randomly. You know, if I. wanted to, I could arm you and then I. would be with your mom. You didn't call. theing cops.

I Nobody So this is the problem with men. experiencing abuse. Yeah. Nobody. believes us. Sure. But in the moment. though, at least in the moment I like. past that's hard. Yeah. But in the. moment I was more feel fear more fearful. of. her because Did she actually hurt you? Uh she had hit me a couple of times. Oh. my gosh. And she had tried to hurt the. kids and I had stepped in between and I.

had She doesn't still have the kids, does she? Um I have no clue. She had She. added a new one though. She added a new. one with this ex. brother-in-law that I put out. Wait, you. have a new lady friend? There's someone. in that room. Yes. Wait, how long ago. was this? So that I I left California uh. Labor Day of 2023. Okay. Why Houston though? Like you could. have gone to like So my sister lives out. here and I I planned my move in a week. I mean I there wasn't much planning that.

went into it. I just ran as fast as I. could as soon as I could get out. When. did you decide? Okay, it ising time. Uh, I decided a Thursday night when I found. her wedding pictures. Oh my. And confronted her about it. Sick. And she said, "Are you really. going to do this right now? That's. photoshopped." And I said, "Oh, okay. Um, you're right. I'm not going to cause. a scene right now." Her and the family. went to Disneyland. I stayed and then I.

started packing my up and I. moved. I didn't tell. anyone. Private student loan debt can be. overwhelming. If you're seeking a more. affordable way forward, Why Refi is here. to help. Unlike traditional lenders, Y. Refi is focusing on your desire and. ability to repay, not just your credit. score. With guaranteed interest rates. under 6%, they offer a pathway towards.

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how their tailored approach can reduce. your stress, lower your interest, and. simplify your repayment journey. Take. the first step in making your private. student loan debt more affordable. Go to. yfy.com/hammer. That's. yrefi.com/hammer. Or call 88. yrefi-78. That is 8. yi-78. And see how they can help you. move forward with confidence. Okay. What. were your finances when you moved? Um, I. was in debt close to $100,000. From her?

From her? From her? She took you down to. $100,000. From her? Oh, good. What was it? Over. how long? Over the course of the 3. years. What was it, dude? Um, I was. paying her rent towards the end there. that she wasn't actually paying. I was. taking care of the kids. I was taking. care of the house that I didn't actually. live in. I was taking. I bought her a truck. What the why? Oh,

okay. But you you were in love like the. first month, the last two years. I still. deeply loved her and I thought, you know. what? You're up in your own right. Let. me do what I can to at least help you. because. you've you've gone through a lot. You. know what? What the did she go through? She lost her mom at 11. And she had sad. That doesn't mean you And so, well, I. also took care of her grandma who was on. hospice. And you were not her. But it.

was her grandma who was essentially like. her mom at that point. Yeah. That's. really hard. That doesn't mean you hurt. people. She passed about a year and a. half, two years into our relationship. Okay. 100ing thousand. A part of that. 100,000 was me paying for like hotels. and stuff like that for her newfound. husband. Um, did you know? I Oh, you. thought it was just her brother-in-law, right? I thought I was helping a guy who. was addict who needed to go to rehab. How Okay. How many people did she get.

married to while you guys were together? Um, while we were together, I think it's. just the one, but the total of people. that she was married or engaged to was. at least like five. Why doesn't she. justing move on? Why did she have to. marry? I don't know. Maybe she gets better. benefits. I didn't come with benefits. I. was I'm still on my parents insurance. You did. You went $100,000 into debt for. her and lost 30,000. That was your. benefit. Yeah. At at the time it felt like I was.

doing all the things. right. It felt like I. was worthy. you know, she made it seem. like I uh was undeserving of her so I. would have to do all of these. things that. way she could say, "Okay, you're right. You do. deserve me in your life. You do deserve. let you wear the wedding ring." Not in.

front of her side of the family, the. kids, the $130,000 to a woman that. wouldn't let you wear a wedding ring. Yeah. Okay. Well, let's jump into this. money, dude. What do you think your score is? 0. to 10 financially. 0 to 10. 0 being the. worst, 10 being the best. Obviously, your [ __ ] score is negative five. I'll. say like a. two. Okay. Okay. The Audrey Hammer financial. score, take the assessment at.

calehammer.com. See where you stand. Link is also in the description below. If you want to come on the show, you can. also go to. caleb.com/apply. We'd be happy to have. you. All. right. All. right. First off, a chunky balance, dude. A chunkying balance. What is all. your I mean, listen, how have you been living well at. school specifically? Because in order to.

get these balances up high, I mean, are. you spending on [ __ ] Like, what is. happening? Like you, this has gone. insane. It's an Amazon cart that's been. maxed out for a while. If you're making. minimum payments alone without making. any purchases, it would go down. While? Yeah. But it would go There's purchases. on here. because sometimes I don't have money in. my bank account and I need to buy food. or something.

It's noting groceries that would last. you. You tit you ginger tit. It's. renting a movie. It's Amazon Prime. something and then something on Amazon. It's not pull up your Amazon. Let me. see. Let me see. It's not I think it. Okay, we know it's not minoxidil either. I I ended up getting a cat. And so, oh, we can't afford to take care of oursel. We better get another living thing that. we have to take care of. Wise choices. I.

I felt bad because she was home alone. all the time and so I when you had her. or before you got her? No, I got her in. like November or December and so And. then you felt bad she was home alone all. the time from you or from her previous. owner? What do you say? From me. I I. felt bad that I was having bad. Good. Okay. Go ahead. So I ended up buying a. uh like cat tree from Amazon. $154.73 is your minimum monthly payment.

$4,868476 is your. balance. Purchasing 31 96 36. $9719 in interest. It's not loading. All. right, let's see. Orders five pack of six foot USB cables. See, C to see Fairyland coloring book. Adorable Florest Friends coloring book.

Yeah. Is that what keeps your cat? Congratulations. Is that what keeps your. cat occupied? Glisten garbage disposer. cleaner for cleaning our garbage. disposal when you can't afford to live. Allergy relief. I can vibe with that. Top kit 57in multilevel cat [ __ ]. You insane a stupid expensive printer. Go to the library. I was I was needing to print stuff for. school which I've now had to hold up. library.

bowl a washing bowl towel holder. I was buying mountain men's snow jacket. in Houston Texas we had a huge snowstorm. two necklace sensory. yeah you had the snowstorm by the time. your package got there it was probably. done no it helped me get through working. in the snowstorm. What? What? What do you do? Like in. hospital? No, I'm in a skill nursing.

facility, but Yeah. Yeah. I don't know. We can't afford to live, guys. Chewable. sensory. necklaces. Okay. Not even a thing for. that. In the cart is reset, how to. change what's not. working book. Uh, two picture frames and. a Dr. arthritis back brace support belt. I got uh injured at work uh like a month. and a half ago and I have two new.

herniated discs and so I was looking. into buying a back brace but at work. Did you let another cougar break your. back? Yeah, pretty much. Um, no. I my my job doesn't have workers comp. and so I've been having to pay for. everything out of pocket and so that's. also kind of How long does this take to. pay off,

big guy? How long does this take to pay. off? Lovely lad. I don't know. Oh, come. on. How long does it take to pay off? Probably 15 years. 17 years. Do you even know what you spent on? Cuz. you just told me about the cat thing, but you had all that extra stuff. Yeah. All right. You do not get to leave. this building until you download our. budgeting app. You download the. budgeting app, link in the description. for everyone else. But you download the. budgeting app and it will at least tell.

you what you're spending in each. category, updated multiple times a day, and you'll see where your money is. going. You can set limits on different. things. So, you just got to be so smart. It's automated. It's so I don't. understand that it's soing basic. problem is is that I'm I have impulsive. behaviors. Just use that stuff. I know. But you can at least see the results and. adjust, right? But so for me, like it's. something that I'm adjusting. What are. you talking? Huh? Is that why you have. the how to fix it book? Trying to. Okay. Income was. 3,599. I know how much you spent, but I.

want to see what you think you spent. category-wise. Can I have the. whiteboard? I want to see you do this. I. know you like free things and I'm giving. some things away for free right now and. let me show you how to get it. First, I'm giving you a limited edition. financial audit tumblr plus a 30-day. trial of Simpler Budget Premium to new. users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those.

purchasers. And do you just want one. class? No worries. you'll still get. access to that 30-day simpler budget. trial. And act now because we're winding. down our intro pricing at midnight on. April 23rd. So, this is the best price. you'll ever see on these classes. So, if. you're feeling stuck or intimidated by. your finances, you're not alone. And now. is the best time to get started. Grab. your free limited edition Tumblr, sit. back, and finally take control of your. financial future. Or don't, and you can. end up right here.

I want to see where you think you spend. things. Oh, they got me something. special. Whoa. Oh, I already have your. categories, big boy. I need you to fill. them in and tell me what each of them. are in that color. What do you think you. spent. $1,632 on? What do you think you spent. $93 on? What do you think you spent $496.

on? $138 on $47 on $318 on $339 on $116. on $125 on. What do you think? Yeah, you're going to tell me. Best guess. You. live your life. You don't budget. You. don't know anything. But go ahead. Please tell me. Best guess is Best guess. is you're going to fill them in and. right. Of course he goes for orange. first. Double orange and red. Come on.

This is probably This is probably Rent. Okay, Rent. He has the big thick that. big thick boy. Um, you Yeah, this might be groceries. Groceries. He says it's groceries. I don't know. This is probably eating. out.

I don't know. Oh, you spend a lot. though. Where does it all go? This one. might be gas. Where does it all go? I I. don't I don't know what I've heard of. that already. Keep going. I don't know. anything else. You don't know where. money could go in your life. Noing my. tits. That So, okay. He thinks the. problem with me is that I I've been. trying this is something that I've. struggled with my whole life. He thinks. $1,632 was spent on rent. Correct. That. was housing. That's the only one you got.

correct. What you said? Groceries for. $47. Yeah, that was going out to eat. And what you thought of going out to eat. was $496. That was just. transportation. And then gas. $339. That was actually medical. healthcare. The rest unknown shopping. It's Amazon. Walmart. Now I know your. Amazon is mostly necessary food. That's. $138. That was groceries. Well, you're. spending on [ __ ] was $710 basically. Miscellaneous bull things that don't. matter, video games, whatever. That.

prime video stuff. $116 and the money that went to that net. in the end was only. $125. Well, you spent $400 almost $10. $47 going out to eat. I thought I had. put a lot more into it cuz you spend on. it. Yeah. net a quarter of what you. spent on going out to eat with the. actual. debt. What are we doing, dude? What are.

we doing? You're away from her. That was. a bummer, right? That sucked. But that. was also two years ago when you're done. Three years ago when you were done with. that. That is no longer why we are here. Here is your behavior and what you have. spent on these items and what you're. choosing to put towards debt. your lack. of budgeting, your endless impulse, not. being able to you spend it on a credit. card that is. B. No,

it's you're over the credit limit on the. Amazon card. You're over the credit. limit on the Amazon card. And it's just. it's at that point it's just choices cuz. I saw what you spent on. Nothing there. was necessary. Nothing there was. necessary. The allergy thing is probably. the closest to it, but nothing there was. necessary. STEM toy. Listen, buddy. I appreciate that you opened with. the story to set the stage. I appreciate. it, but that's not why you're here.

anymore. Look, it is your spending. You. are over the credit card limit because. of youring spending. Well, so I think. what didn't help too is that I So, when. I moved here in 2023, I moved in with my. sister and I lived with her up until. like January 7th of 24. And so I ended. up moving out because I felt like I was. uh I just felt like I was in the way. I. was sleeping on an air mattress in a. hallway essentially. And so I decided, you know what? Let me just let me just.

move out and get my own place. And so. then I had to buy things to fill the new. space. It was my first time actually. having a place of my own. And I also. paid So let's destroy our life. I'm. confused. What? When I got my first. place of my own, I didn't destroy my. life. We all have our very first place. of our own at some point. Well, I also. picked a place that I didn't realize. that the rent was actually higher than. what it normally could be for the area. Paying like $1,800 access to.

buddy. Oh my gosh. You're not talking to. the. inkeeper. Like that's not where we are. in life. You have access to the internet beyond. the amount of tools that anyone has ever. had to see what rent is. In fact, I bet. I could justing GPT real quick, Google. real quick the median rent in that area. When I had gone searching for. apartments, I looked at like probably 15.

apartments. And every time I would look. at these apartments, there was a couple. of them where there was like a homeless. guy sleeping in the elevator or like. cars consistently getting broken into. So the one that I chose was supposed to. be safe. There wasn't any issues. That's. not what you told me. You told me you. got into a place and you thought you. didn't know that that was higher than. most. I didn't. Right. But it also. seemed So it also seemed safer to me. So. there when I moved in more safety, right? So the appearance appearance of. it was safe. But then once I moved in,

all hell started breaking loose. Cars. were getting broken into, tires were. getting stolen off of vehicles. Oh, the. gate the security gates never worked. I. would lose power and at the same time I. would lose water. And so then I was I. ended up having to stay at my work for a. couple of days at one point because of. it. That's crazy. So to cut back. on rent at least, I ended up moving to. the other side of Houston and I'm now in. a spot where I pay just under like.

$1,300 a month in comparison. And I I'm. saving on gas money with my commute. Oh, is anyone helping you out? Is there. anyone in your corner? Uh my mom my mom. tries to help me out a little bit. I for. most part I No, no, no, no. I was hoping. I would hear if at all helped. And I. would have been okay with helped. You. just used the word. helps. What? What is happening? So, the. only thing that she's paid for recently. is um she she was out here last week and.

she told me that I needed to go get a. haircut cuz I haven't really been taking. care of myself like that. What do you. mean? Why? You have a girlfriend. When. does it just chop your hair? For me, I. have problems with using other people's. money. I I don't like taking from. people. And I think that's where I get. myself in a lot of financial trouble. because I would rather How often does. she help? Be honest. My mom. Yeah. Um Okay. Well, no, she does help me a.

lot right now. Uh she pays for my car. insurance and she pays for my health. insurance, which I'm going to fall off. in. June. So why can't you take care of. yourself, but you can go get a cat and. you can buy all this bull for the cat. and get all these STEM toys and all this. bull and be over a credit card limit. I'd say that's not taking care of you. I. think for me though, I am because I have. Living alone is hard on its own and I. ended up out here in a way that was not. by choice. And so, well, you did choose.

to go to where your sister was, but I. get what you're saying, right? But I I. needed a make it or break it. That was. it. And so I ran and this was the. easiest, safest place for me to end up. And so I bust on Amazon over the credit. limit. I busted my ass to get out here. And then I get that I you're I'm on your. page about that. You left. I'm talking. about buying Steim toys on a maxed out. credit card. So I haven't let my. finances be anybody else's business, though. That's my thing. And so I I got.

this cash so I could have I needed I. just needed something at home with me. I. needed a reason to be home. Sim. toy. Mousy Sim toy. necklace. A human one. Yeah. That has nothing to do with the. cat. You ever get one of those, I should. really get life insurance thoughts and. then immediately distract yourself with. snacks or busy work? Yeah, same. But. here's the grown-up move that I finally.

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free trial and earn up to $5,000 in cash. back every year. That is. siloarkets.com/caleb. Let's get back to. the episode. We're buying stim toys for. our. tongues when we are over the crediting. card limit and cannot pay it off and. cannot pay for school, cannot pay for. rent, cannot do all these things, do not. have enough money in our checking. account. So to go get Zerek, we buy it. on Amazon instead of at aing store on a. credit card. But we're getting STEM. toys. And no, you are taking on the. responsibility of another living thing.

It shouldn't just be about you that is. selfish as and I know that I'm doing. what I can to take care of her. Yes, but. you can't take care of yourself. You just admitted that mommy helped you. because you can't. Yeah, you don't go. get you can't afford a haircut. How are. you going to afford theing cat vet. visit? I figure it out. I I All those purchases. you're figuring out has led to almost. six figures in debt. Yeah. Well, I I I. mean I don't really regret any of those. purchases.

Then what the are we doing? Because. you're not you're never going to pay off. this credit card if we're getting a. tongue stem toy on a monthly basis for. it was it was one purchase. That was one. purchase out of like 15 purchases we. went through. Right. A lot of other ones. going matter. We're not critical though. Did you need the cat tree then? At that. exact moment 100% or else the cat would. have died. Well, I had ended up putting.

that onto an affirm that I what have I. purchased on the Amazon? Oh, that was. But you purchased it via Oh, sake. Okay. Yeah, great. Did we need it or the cat would. have. died? I feel like it was better for her. to have some more stimulation. I. feel she she's home alone. for god knows how many hours because I'm.

working because I'm trying to figure out. this school situation trying to pay for. school and everything like that. So I. wanted her to at least have. something I don't know to stimulate her. or something. I get that but you can't. even afford to take care of your own. bills. That's that's the issue. But it's. it's it's who I am. Honestly, at the. root, making bad life choices. Being somebody that gives a being. somebody who cares except for your. future. What are we going to do if we.

don't give a [ __ ] about our future? What. are we going to do? I I do care about my. future. That's why I'm trying to figure. this out now. And I'm I'm trying to. figure it out. Well, I paused on school. so that I don't go homeless over trying. to make these these payments. I can. appreciate that. Absolutely. So, I'm. going to find a way to get back into. school. That's different. You're putting. your credit cards above Max. I'm not. talking about school. I didn't criticize. that part. You're saying all these purchases are. justified and you don't feel bad about.

them and essentially insinuating that. you would do them again. No. Well, I've. I've tried to I've over the last like. year probably, I've tried to take out. like other like private loans to help me. like pay down some of the cards. That. way I could at least maybe consolidate. or have a cushion at least to help get. me through cushion. No, cuz then you. just get more debt. And you basically. have already admitted that that's. exactly what would happen is you would. just get more bad debt cuz that's your. cushion by unlocking more debt for you. to have by moving your debt to one other.

debt. Okay. So. So you just go stem it up, dude. That's. what all you do. You'd go purchase. No, you'd go consolidate or whatever, personal loan, pay off the cards, however you do it, multiple ways, credit. card transfer, but then you'd build up. that original credit card again with. stim toys and cat trays and [ __ ]. They're not even approving me for these. loans. Thanks. Because you're horrible. with debt, buddy. You're horrible.

Listen, in here alone, $311 in interest. This year still, at the time of filming. this is basically barely even started. We're fresh into the air and we're. already at $311. I didn't know it was that much. I knew. that the interest rate. You don't look. at statements ever. You don't budget. You're not even willing to use an. automated budgeting app that just does. it all for you. So, like I guess I'm not. surprised. Well, I've I've tried to. budget. It's just it I get overwhelmed.

because the numbers do look bad. sometimes, but that's why the reason why. I wanted to get the loan is so that way. I could pay off a card and use it more. intelligently and build up my credit. You can only do something like that if. you change your behavior first. You. haven't changed your behavior. When you. I'm working on No. What? Buddy, you. spent a a fourth winter debt net than. you actually spent on going out to eat. You're not working on it. Don't say that.

to me. Everyone says that when they come. on this show. No, they're not. You. driving here is not working on it. You. have no demonstrated abilities in your. financial statements to suggest that you. are working on it. And you thinking. about it is not work. You built a. budget. You didn't see what you wanted. So, you walked away instead of actually. making the changes in the budget. necessary via the life changes you would. actually have to do to fix it. Well, I I disagree. I I think that I'm. making a lot better decisions. financially. Yeah. Tell me. Well, tell.

me, please. I have a full pantry now, and so I am working on not going out. So, you probably spent more than you. need to at the grocery store, and then. you still spend $47 going out to eat. Oh, real big slap on the back for that. A lot of the going out to eat, too, is. because when I get off of work, I'm just. I'm exhausted. I have spent all day. trying to take care of these people and. cater to them. Good meal prep beforehand. so you can warm it up in the microwave. Boom. Solved your issue. Shut the [ __ ]. up. I don't care. You're dying in debt. You're dying in debt. And that is what I. care about. I care about you having a.

better life. I don't care about if. you're tired after work. I don't. I care. about you having a better life in. general. You get off of work, go home, warm it up. Boom. Good. You live with. her. No. Okay. Well, never mind. You go home. She stays over a lot, though. And so I I'm the only one that. She can't cook. I'm the one that Sammy. She can't. She's What? Give her one of. these. Give her one of the cookbooks. It's the easiest recipes in the world. and it's for $300 a month. The budgets.

for budgeting on $300 a month. It's just. like, what do you mean? The I can't cook. is not a thing anymore. Again, just like. the I can't find rent prices. That's not. a thing anymore. Well, I've tried to. teach her how to cook, but it's just. we just pushing buttons. Bake. Bake. Everyone can bake. Everyone can bake, right? Everyone can bake. Jake, can you. bake? Lizzy, can you bake? Everyone can. bake. I can bake in our We can all bake. Bake is you go and then you put it go.

You. baked casserole meatloaf. Baked. I'm not talking about aing pan. fried incredible fillet minion, which. honestly is actually pretty easy, too. I've tried to teach her the simple. things like mac and cheese. She can't. push a button. I'm concerned that can't she can't push. a button. Well, she start she started to. she's using the air fryer now. Oh, she's. using the air fryer. So, she's learned. how to push a button. Okay.

Listen. Oh, I got a little You know, can. Jay, can you go get her real quick? Can. you go get her? She can Can you get her. real quick? A little Can someone go get. her? I just don't know what we're doing. We're in This is 2025. This is 2025. This is 2025. I'm I'm very curious. I'm. Listen. here. Boom.

Recipe. Need a crayon. Okay. So, she. follow this in a recipe book. Hello. Hi. Take this crayon. Put it in here. Stir. it. up. Good. Push this button. Push it. right here. Push this. button. Good. She's not completely. disabled in She can cook. She can bake. You're welcome to leave. Thank. you. She can cook. She can cook. She.

stirred together. ingredients. She put ingredients in. She. can. cook. I'm so proud of. her. I'm very proud of her. I am too. That was a lot. That was impressive for. her. Okay. Well, now you're just you're. calling her stupid or something. That's. not very. nice. Only I do. that. So, there we go. I mean, also just. can make a sandwich. That's not cooking. Like, there is no excuse. There is no.

excuse. I I understand being tired. I'm. tired after, too. We're all tired after. work, too. And luckily, I can afford to. get food if I want to get food. But if I. needed to, I meal prep the way I got out. of debt. I sacrifice everything. necessary and if you do it, you can have. a good life. But not if you actually. don't do anything. My I've been we've. been on this Amazon card. forever. Quicksilver. $3,4894. Another just substantial.

balance with a minimum monthly payment. of 115. Yeah, these payments stack up. So I definitely feel that that's it. It's at max. Yeah. when we still. purchased. We purchased. Um I think stuff comes out of there. automatically. I think Stop. This is It. takes five seconds. It takes five. seconds. Open your phone. Open your. phone. Open. it. Take a phone. Give. Give.

Give. Yes. You have Apple Music. Apple. TV Plus. Cheotes Microsoft 365 Family Quizlack. Cancel them all. Then you wouldn't have. auto manifing payments. Well, kidding. I. don't give a I think that one's Netflix. that comes out of that one. Well, cancel. that. There's nothing on there anyway. Well, there's a lot on there. There's. nothing good. Sometimes I just need my comfort show to.

go to and I don't want What's your. comfort? I'm watch YouTube with the ads. YouTube has all of this and you can. watch the ads and this is so much. better. Netflix, they have the most. boring financial show ever created. YouTube pretty great. Just watch this. It's a free. platform. I just don't get it. We're. sacrificing a little, man. It's. just. okay. It keeps your credit card maxed. out. That's the point. If it was in your. checking account, it'd be. different. I'm getting hiccups.

cuz I'm stressed at this craziness. If you're not a credit card person, buddy. You can't have credit cards. I. can't half of you open more debt. Well, I have one right now that has no balance. on it. Very proud of you. You have two. that we've talked about so far. One is. maxed out. The other one's over that. So, I don't give a You can use the Fizz. card. It's connected to your checking. account. You can't spend more than it's. in there. So, it acts like a debit card. You can do that. That's all you can do. Okay. That's it. And that's all.

Wow. It's from Petco Vital Care. It's. not even Netflix. You t. So that's from. my dog that I had to have put down in. November. And it was a payment plan. It. was a monthly subscription to make the. vet payments cheaper. And so it. horrible. It did help me a lot when I. was getting her checked out. And I am so. sorry cuz that is like the worst thing. in the world whenever that happens. Here.

is the thing. I'm going to There There. is no point of sugar coating life on. this show. You know, we'd be wasting our. time if you left here and I just sugar. coated. If you can't afford a vet. appointment, even for that horrible last. one, you can't have a pet and you should. not have gotten a cat. I'm sorry about. the dog. You already have the dog. This. is what happened. Okay. I'm actually. surprised that there's not my uh vape. purchases on that one. What is with. financiality and killing our lungs? It.

goes hand in hand. There is not one. person on the show anymore that doesn't. vape. What? How much do you spend on. vaping? What are you vaping? What are. you just nicotine? Um I How much how. often? What? Uh all the time. Um I think I spend. maybe 10020 $200 $250 a month on it. So. I've been smoking for like 11 years. So. why' you do that? That you pay off. your 11 years? Well, I'm working. I'm. trying to quit that. You smoked.

cigarettes at some point. I did. Okay. So, and so I did quit that. You burned. all this. That makes sense. That makes. much more sense. I understand that. Okay. Well, easy. Well, come on, man. You're talking. about genetic here. I I don't have any. control over that, right? I'm teasing. you. Well, come on, man. We're here. talking about finances and you're. talking about how I can't grow a. mustache. I can't either. Look at me. I'm a patchy little Exactly. Come on, pirate. Huh? Apache the pirate, right? We're. both in the same boat. I don't know that.

one. No. Okay. Well, I'm patchy. You. just got neck. What? You know, we're we're in the same. boat. Okay. Listen, why? How'd you pick it up. at What? You would have been 14. You. picked up smoking. What? Why? That's. horrible. We need to get you off, man. We need to get you off. I I've been. trying for a couple of years. I've for.

me I just I'm so stressed out all the. time and so I know that it's harder to. quit something that you're addicted to. like nicotine. It is. It really is. You. picked it up so early. So stressed out. Why did you pick it up so early? Um I. was hanging around the people that I. shouldn't have. I was trying to impress. them because I I wasn't the kid that. people liked. I I have I have reding. hair. I have reding hair and that I was. crazy. He has red hair. I was an easy. target. Lindsay, are you hated? Oh, no.

I I was an easy target. And so people. didn't like me. And so to impress. people, I actually did not like you. They actually. it was always their go-to. Did not like. someone because of their appearance. It's a really weird thing. People are. very superficial in California. Listen, if you smelled like cigarettes when you. were walking into a home room, Yeah. I. would not like you. I did not like those. people. I I I don't know what the problem was. I. mean, I it always came back to me having.

red hair. That was always their go-to. So, yeah. May like a tox school. Is it a. very clicky school? Yeah. I mean, yeah. I mean, that just may have I don't know. if it's the hair thing. They probably. used it as a point as a jab, but you. know, it's like I highly doubt that was. the reason they did not like it. Well, and I've always been a shy person and so. I I didn't make friends easy. And so I. There you You're introverted and it was. a clicky school. I think it's more that. Yeah. So, I guess to get people to like. me, I started doing stuff that they were. doing. People liked you. People were.

going to like you by you showing up. smelling like death. I'm a little. confused. How does that work? I I was a. little bit more accepted into the other. groups. Oh, so it was the group that was. smoking. Yeah. What was that group? Emo? No. Uh that's who smoked in my school. Emo and Ghetto. Ghetto. Oh, ghetto. Ginger. It's a new. one. I've never I I've never seen that. one. They call them gypsies in in the. UK, though. It's the Irish gingers.

Yeah, the the Irish. Yeah. It's not the. Eastern European gypsies, but it's the. the Irish gypsies of the UK. I feel like. that's a really weird fact to know. offhand. I have British friends. Yeah, I. know. It. Yeah. 27.24% two 4% interest rate. We. are acrewing almost $300 in interest on. this one as well. So, at this point, I. mean, we're probably up to about $500. $550 in interest lost just on two.

cards. Listen, buddy. I This is There's. just so much to go through still. Like, I don't. know. And I appreciate you saying you. think you're going to change, but I. don't see the defending aing STEM toy. getting into the cat situ. I'm just I'm. a little nervous that you actually won't. change. Um I've given myself no other choice but. to change and so I've given myself that. However, I've seen people not change.

even when they have no other choice but. to change and then they just [ __ ]. everything up. And you can go down the. road of bankruptcy. You could do that. But fact is without changing your. behavior, you're going to be like many. people who've been out through. bankruptcy before on the show who they. go through bankruptcy, didn't change. their behavior before or during and then. they get into the debt again. It's like. this is going to be a reoccurring cycle. forever. That's the reason why I'm here. though. I don't want to declare. bankruptcy. I don't want to declare. bankruptcy. Okay. I don't I What's your. big fear of bankruptcy? Um not being. able to provide the life for that I want. for myself in 7 years cuz I I plan to be.

financially free way before the next. seven years. I hope so. It's and so I. don't want that to inhibit me from doing. the things that I want to do with my. life. I mean just alone buddy the. interest that you've lost is insane. reaching like. 30%. 30%. Like the best return thing I. can think of is I when I just have money. that I'm not using, I just like put it. into the Mumu app that I use and I get. like an immediate 8.1% return on my.

money. It's incredible. It's delicious. It's awesome. It's their little savings. thing that is known as an incredible. savings rate percentage. You're losing. 30%. That point of financial freedom, keeping a card overmaxed, a card maxed, and then losing 30% on it, that never. gets us. there. It is time to cut down your. financial stress and gain total. financial. dominance. You got to download my. budgeting app today. It's free to start.

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And then this credit card will be. purchased on again. Where is this. getting to this financial freedom thing. that you're talking about? I'm not. seeing it. personally. I mean, what's what's even. the max spend you can spend on this? That one actually got lowered. I think. this is where Netflix is. I didn't even. know where it's at 34%. interest me. I just talked about how 30. is so bad. So, this one I got when I was. with my ex because um I actually was.

investing in a business for her. For. her? Yeah. Oh, no. What? So, I was like. a a silent investor essentially. And um. so she was selling like censy silent. because she didn't want you to be seen. So she was selling censey and paparazzi. And then what is that? Sensei is it's. this pyramid scheme. It's like wax. instead of candles, you use a a wax. warmer and they sell wax and room sprays.

and all this stuff. And so she was doing. that and she built up um like a pretty. big like online community, I guess. And. so she then started meeting people who. were doing like reselling online on like. Facebook Marketplace and doing uh like. Facebook lives. And so we would go to. like TJ Maxx and Ross and Marshalls and. we would buy all of these like name. brands. Yeah, it's not bad. But what. happened? Um I kept investing money, but I wasn't.

getting anything back. And so Wait, how. much were you investing? So 10,000 was. made, but was that 10,000 in profits. after the investing? Uh it was. probably$7,000. Why didn't you buy. anything, dude? Jeez. It wasing crazy. easier to. let. her deal with it instead of asking for. the money because then it would start a. fight and two would have fought if you. said, "Can I have some of the money? I'm. investing into it." Well, that's when.

you run. Yeah. It It was a fear. How much did you. put into it? Uh god, I don't know. Probably over 10 grand out of my own. pocket. And why is it associated with. this credit card? because we were. getting points on that and then they. have like a reward system that you can. use. It's like you get $20 off purchases. or whatever it is. And so we were using. that to buy most of the product. It did.

have a higher limit, but it's that's come down insane. Yeah, I bet you're basically at the limit and. then again there is the purchase. It's a. reoccurring, but it's just at a. 35 34% interest rate. I don't understand. the point. Okay. So, you owe on TJX. Never even heard of that. It's the TJ Maxx. Oh, this is TJ Maxx. Yeah. So, it's uh we're doing pyramid.

scheme at TJ Maxx. $44124. The minimum monthly payment of. $38. Crazy interest this year. alone. Fees. Why am I seeing fees? Did. you have a late fee this year? Pull up. the app. Pull up the pull it up. I don't. think. [Music]. [Applause]. so. It's easier for me to keep up with.

that one because the payments are lower. Well, yeah, because it doesn't let you. spend more because it's deemed you to be. an irresponsible child with credit. Okay. Statements. I got to go through. the statements of this. here. Okay. So, here's the month before. Yes. Allow. a interest. Okay. I don't think this is.

the fee one. Must have been January. May. have been an annual. Let's find out. I. don't know if there's an annual interest. fee on that one. January. There's it is a $27. fee. What you doing in here? Credit. card. It's a late fee. It's a [ __ ]. late fee. You're not even paying them on. time. I like you as a person. I think. you seem chill, but buddy, you're not.

even the [ __ ] stim toy overpaying. your lowest, most manageable, in your. words, credit. card. Come on. Your choices are beyond. irresponsible. Why are you late? Three. of them should be on autopay. It's this. I don't know what happened with that. one. Uh, you didn't pay it on time. Why? You said that was in December or. January? January.

Um, I'm not sure. I had gone to. California for like two days in November. for my grandma's like celebration of. life or whatever. And. then after that, I don't know. Maybe I don't know what happened. I. don't know if it was maybe the plane. tickets. I don't know that just got a. hold of my fin. I don't know what. happened. I I didn't know that it was late.

Uhhuh. Costco. So that one I also. $14468 minimum monthly payment 35. What. were you going to say? So I got that one. because um we back when I was with my. ex, we were saving money by going and. buying in bulk at Costco. And so I got a. Costco card and I had ended up buying a. pool on that. actually. And then I ended up I did end. up returning the pool because Costco has.

this return policy where you can return. it however. So I got the money back. Um. they ended up closing that account. though. Think so. You can't be trusted. with credit to save your life. Like. actually literally mama's giving you. haircut. money. Can't make food. I I don't I don't know. I think right now I'm doing the best. that I can with what I have. You're. doing the best. You relate on your most.

manageable. You're doing your best. I'm. not going to accept you're doing your. best. Define me how the you think you're. doing your best, please. I want to hear. this defined by you. um recognizing that I am. in an amount of debt that I can't. survive with right now with not with my. So basic recognition is you doing your. best. I'm taking action though. What? I.

see nothing but moving them up except. for the credit cards you can't spend on. Trying to get help by coming here and. figuring out what to do and magic and. I'm making so I haven't touched that. other card that has no balance on. Listen, you know, without me having to. tell you that the best thing you could. do to get out of debt as a first step is. don't spend on the debt. Nothing was a. necessity that has been spent on the. debt so far. Nothing. Not one thing has. been a necessity. Not one thing. If you.

were trying in the moment, it does feel. like a necessity, too. Steam toy feels. like a necessity. Netflix feels like a. necessity. Not paying your card on time. feels like a necessity. What are you. talking about? So, I I didn't know that. I. wasn't that I didn't make that payment. on time cuz I I So, what I've tried to. do is I'll write down like my debt and. then when it's due and then how much the. payment is. But that's the mo I can only. keep track of like the cards. I don't. autoay budgeting app. Autopaying app. I.

can't put anything on autopay when the. budgeting app money if you're using a. budgeting app. Okay. But when the. systems aren't easy for me to use where. I'm having to pay $50 something dollars. for a subscription that feels like a. waste. Why would you pay $50 for a. There's budgeting apps that I've tried. to look at and they Oh, our Well, yes, for the automatic connections. It's. because they c people don't know this. I. don't talk about it all the time, but. when you download our budgeting app, right, just your free account actually.

costs us money. It costs us money for uh. AWS, but then if you do the automatic. connections through your banking. platform, no budgeting app does that. You pay a third party service. So every. account you connect charges us money. So. for some users, we would lose money if. they have like a thousand accounts to. connect. For some that do two, we make. money. Yeah. What do you think? People. are just like a charity. Like yes, in. order to build the service that costs. hundreds of thousands of dollars to. build, it is going to cost money. But if. paying, you know, 15 bucks a month,

which is what I think our premium. version is, or a lot cheaper on an. annual basis, if charging that saves you. thousands a year, I think it's worth it. I just. I I get overwhelmed and then by the time. I can start getting to variable. expenses, I freak out and then I'm done. So, I get the furthest that I can do on. your sim that I have and I write down. the minimum monthly payments and I make. do. I move money around if I need to. You don't. You.

missed. Okay. What is this? What am I. looking at? It doesn't have a title. That's uh an IRS payment plan. We're. oning IRS land. We're Oh, this is a. [ __ ] stone. When I was with my ex, I. was It always goes back to the ex. Have. you ever done anything wrong? I have. done I feel like I feel like I only hear. what's been against me or it goes back. to I know that I've done my fair share.

of things that I shouldn't have. I get. that. I take myself responsible, right? But except for your spending, which you. say is 100% necessary. This though, this. IRS thing, she told me to go exempt. That way we had more money to be able to. afford the rent and the the car. payments. I hate this lady and the kids. taking care of the kids and taking them. to school and everything like that. She's not a good person. What year is. this from? Uh you owe from last No. No. Uh 23. But you left in 23, right? You filed.

exam in the year that you left. Okay. Yeah. Okay. Uh are you on a payment. plan? What's going on? What's your. minimum monthly? $75 a month. What's the. interest rate? I don't know. 75 is not. going to get you there very quick at. all. My gosh. Financial. I mean, it's. probably I think it's usually at Fed. rate plus plus two or three. It's. probably like 8% 9%. Yeah. I don't know. I just know that I pay $75 a month. So, it's probably going to take. like 46 months to pay off. Fouryear.

process from here. I think I've been. hanging on it for a little bit. Uh I. just don't know how long. And then what. did you do with the money that we were. filing exempt and just using? It was going her It was going to the. bills. It was the truck. It. I It was paying for um like the hotels. and stuff. Maybe. I don't know. It could. have been my. idea. Maybe I got overwhelmed with all.

the debt and I didn't want to tell. anybody. I don't know. I don't know. I I. I was doing uh payday loans at that. time, too, trying to just get by. I'm not. doing the payday loans anymore. They're. those are all done and squared. away. This is. brutal. This is.

brutal. Okay, Kia. $24,000 while you're in school. Can't. afford school. You have a $24,000. $961 14 loan on a Kia. So, but you can't. pay for school with a $54 miny payment. when you can't pay for school. This is. because So, I ended. up So, when I left my ex, I took the. truck that I had bought her and I drove. that out here, but my payments on that. were like $800 and something dollars a.

month. So, I ended up doing a voluntary. surrender on that. And then, um, my mom. flew out here and she helped me search. for a car. And so, I I wanted a a used car. I was okay with. a used car, but she was worried about. reliability. And so, I thought that that. made more sense. But.

she So this car is in her name. It's. your mom's name because I don't have I I. don't have the credit for that to be on. mine even then. Oh, okay. So um I make. the payments on the car. Yeah, I'd hope. so. Her name's on it and then uh so. there is a car that's in my name out in. California. Um what? So my mom's making. the payments on that one. What the what. what is what what what is that car? Uh.

it's a 2021 Kia K5. I What is owed on. that car? I think like 16. Okay. What's your minimum on that? Uh. it's like 385 or something. You guys. need to drive me halfway in the country. and swap. Well, so what happened was. when I had left, I had given this Kia K5. to one of my co-workers and she took. over the payments and we did a contract. and everything. Well, so she had New or.

used when you got this? What was that? Is this new or used when you got it? It. was brand new. I It was like five or. seven miles on it. I bought it in 2021. My credit was a 740. and so Okay. It was in mint condition. when I left. I gave it to one of my. co-workers to take over the payments on. We had a contract and she took over. payments and then she started being. really late on payments or missing them. And then I was getting letters in the. mail about the registration being late.

cuz she was supposed to pay the. registration and all that. She didn't. have insurance. She never paid the. registration. She stopped making the payment. So my. mom ended up taking it back. And so. she's actually having to put probably. like a little over a grand into it to. get it to where it's safe to drive. Dude, this is just such a mess. This is. just such a mess. And I looked at. actually selling that to get it off of. my credit, but.

I I won't even break even on the loan. And then this one, the one that you're. looking at, the 2024, um I'm in the whole probably $10,000 on. that. one. The truck though, I was in the. whole like 15 20 grand, but they were. actually able to. So when they repo it, they were actually able to sell it for a. lot more than I would have been able to. like privately at a dealership or. anything like that. So there's about. $13,000 in collections. No, for the.

truck. No, it's not. No, wait. Is this. this this one? This one confirmed. Oh. Oh, the other one. Yeah, the other one is worth. $6,900. Okay, I need to get the value for this. car, please. Okay, so that one's Yeah, you can't. sell, borrow, make the difference for. that one. This one we're getting the. value on. But what is the interest on.

this? I don't know. You don't know? No. Neither do I. Cuz it doesn't say. What. about the other car? Uh the. the one that's in your name that one. It. was like a 2.9% interest. Why don't you. guys. swap? Meet in El Paso. I don't. know. I think that my You've never. talked about it? No.

Why did you. get this car specifically? Uh, we were a car you couldn't even come. close to affording whether or not we. were in a rush and with rush. You can't. rush. What destroys your life? Well, I. Oh, this is worth 15,000. Test drove it. and it was a good car. It was reliable. It was good on gas. So, I'm. Yeah. And now you can't afford to pay. for life.

I don't care what the mileage if you. can't afford to pay the life. Wait, pay. for life, dude. Okay. Okay. Okay. Okay. Okay. Okay. Okay. Okay. Okay. Is this the. other car? No, I think that's still part of the. same one. An additional 12,000. Oh, no. That's the truck. If it's the 12,000 the. truck has rebooted. Yeah, I I did a You.

still owe I Yeah, I did a. voluntary me. I got I know. I know. Oh. my. So, what what's up with this? Are. you Are you on a payment plan? No. Are. you going to Is it in collections? What. is it? Uh collection with a collections. company, but it's not showing on my. report that it's in collections. Really? Yeah. I'm Is it showing on your credit. at all? Uh as nonolctions? I think it's. showing. Yeah, it's still showing. It. shows on my as like a voluntary.

surrender, but it doesn't show as a. collection. But um I my plan is to just. leave it alone for as long as I can. Yeah, but if it does pop up in. collections, you said I don't want to. over my financial future in seven years, it'll be on your collections. Well, for right now, that one's just. really not a priority to me. I well I. understand how it might not be the. what's the priority. the the cards with the high interest. which is why you're still spending on.

them and keeping them at the credit. limit and above the credit limit. Interesting. Uh yeah, I'm trying to get. better at not using them. I I don't. carry them with me. I don't carry them. with me anymore. And when they attach to. a digital wallet, they're just on the. autopay things with other accounts. What. about Apple Pay? Tap tap. Click click. I. don't have an answer. When did you stop. carrying them? Uh, couple of months ago. No, there was.

purchases on there. Then it was all. through like then. Yes. If you have them. attached in apps like Amazon, you can't. be doing that, buddy. It still counts. It's not like it doesn't count cuz it's. not in your wallet. Jeez. Oh, we already. do have student loans. Yeah. Oh my gosh. Okay. me. Wait, this just keeps going. This is. relentless. Okay. Yeah. Student loans.

17,000. 916. Obviously, you don't have. to pay them because you're in school. Yeah. But are they subsidized or. unsubsidized? Uh, mixed. So, some are. still acrewing interest. You're already on. IDR income contingent repayment. Yeah, we'll see how that goes. I have to worry. about that for like a year, year and a. half. I think my total payment for all. of the loans combined monthly was like.

200 bucks or something. Listen, I know. it's not what you're going for, but if. you ever want a boost to your resume, happy to gift you a course career. certification of your choice. A lot of. people in our audience have done it and. it's helped them make a lot of money. So, just let us know. We'll gift it. Kickoff. So, this isn't crazy. This is. $33. So, this I got to help me build up. my credit again. Oh, great. So, this is. What's your credit at? Uh. 560 570. Okay. Yeah. Yeah. I uh No,

Kickoff is good. Kickoff can help. We've. we've used them a few times. Like I get. it, but not with what you're doing. without fixing your other behavior and. you're not doing it. You're still. purchasing on the apps and everything. Even if you're not Okay, go on. Well, so. there's a secured card. and that actually might be what I use to. pay for my vapes. Um, but then there's.

like the budget, there's a builder loan, and then there's. um another one. What's snacks on snacks? It's uh a. vending machine at work. You just go. into the vending machine every second of. your life, dude. You're just venting. machine in your life. It's cheaper than driving around the. corner to go pick up food. So, it's not. cheaper than [ __ ] Well,

Do you you that's your lunch once a day. $1.50 at at work. Yeah. And then I'll go. home and I either have pick something up. on the way or I'll make something else. Well, honestly, probably because you. don't eat like an actual substantial. lunch or substantial enough you have. that craving to pick up something on the. way home. Yeah. But if you don't and you. actually eat at home, if you're only. spending $150, I'd be okay with. that. That's it. That's the debt. That's. the debt. Yes. Nothing else. There.

shouldn't be. Other than that, that's. actually in your name, but your mom's. paying for, which is risk. Okay. $75 in. our checking account. That's insane. Door Dash. I Guys, we're changing our behavior. Door Dash. I don't know where that Door. Dash charge came from. I didn't make a. Door Dash. Yeah, I don't know. We learned she can. click. buttons. Maybe she clicked a button all. the way through uh Door Dash into your. door.

Apple vapes. Waterburger. Barberhop. Thanks to mommy. Zelling out. Vape vape. Zell out. Vape. Door Dash. Target. Door. Dash. Starbucks. Vape. We're going in and. getting some bull. I'm just going to. call it vape, honestly. Vape. Apple. card. Infending machine. Infending. machine. McDonald's.

Vape, Shake. Shack, High. Life, Vape, Apple Bill, Taco Bell, Apple Bill, IHOP, Taco Bell, Apple Bill, Raisin. Canes, Vape, probably Applebees. I mean, it's just so muching stupid spending. [Applause]. one sentence. No, no, no. $42 in our.

savings down from 1,500. What happened? So the,500 was for rent. So I moved then. I moved to the savings cuz you had no. ability to control yourself if it's in. your checking account to just blow it. all in vapes. That way I knew that I at. least had rent for the next. month and then $2 in this other. What a. joke. What a. joke. Listen, I'll make you a budget but.

with your. spending. The fact is again just a. miscellaneous bull. Hundreds. You're. going to have to use 407. Tor's debt was net 100. 100. The question is if actually making. a budget, just like when you try to make. a budget and it didn't work. Oh, it. didn't work. Why didn't it work? So, you. weren't making any changes. Are you. actually willing to when leaving work. not pick up food sometimes? Are you.

actually willing to not go out to eat. sometimes to get out of debt? I I really. just don't think that that's something. that I can cut back on. Are you kidding. me? That makes no sense. Why? When I'm. tired getting off of work, why am I. there's no point? I don't want to starve. myself. So, at least I'm eating. Then. there is no conversation left to have. and I'ming done. I'm done with the. conversation then cuz there's no. conversation to be had if you're not. willing to cut back on a single thing. If you don't want to be him, use the.

budgeting app. We're going to go into. the post show. I don't want to hear your. voice. I'm done. I'm sorry. I'm not. going to waste the next 15 minutes of my. life if you're not willing to do just a. simple little cutback. I'm done. Join us. in the post show sake. She was a addict. What? We didn't even know this. We have. a picture. Your girlfriendish is much. cuter. Can we ask if she wants to come. on camera? Yeah. Hi, girlfriendish. Hi. This is behind the payw wall just for. your knowledge. Certain things I'm doing. that he's not comfortable with. Are you.

willing to tell us? I'm freshly getting. into like having fun and stuff and it. was you. That's selfish and that's a. move. ads. To watch the financial audit. post show, click the join button below.