Follow-Up: He Won’t Listen To Me | Financial Audit

hi my name is Josiah I'm based out of. McKinney Texas I'm 23 years old and this. is financial audit now this is a. follow-up episode you don't need to. watch the first one to get it because. it's just a financial audit just like. getting others but just to do kind of a. quick recap essentially you're in a. stupid amount of debt and you went into. really bad debts you broke a lease to. move in with your family you did that. and then I kind of responsible way. though because you were intending to. move in there to save some money to pay. off a lot of the debt that we talked. about.

you were trying to cash flow some school. but there were no credits to transfer. because you went to a Career Institute. and it was a bit weird and the degree. may have not been exactly what you. wanted to go into because you were just. dealing with what you already had and. what you're going into you were working. like a trillion hours uh Amazon delivery. driving and then working at a gym as. well you had just bought a new car and. took out and it grew absolutely. disgusting debt on it we suggested. selling it. borrowing a personal loan to make up the. difference and getting a cheaper car.

than paying that off as quick as. possible or just paying it off over the. course of like 15 months or so. aggressively you were over drafting on. your checking account which pissed me. the off because you were choosing to. spend money on both uh the the instead. of like having enough money in your. checking account to deal with stuff he. had a bunch of other debts you financed. the braces and stuff like that and uh. you had some IRS issues and you had to. make some payments and it's the only. time I ever recommended on the show to. borrow for family but it wasn't like a. borrow from family and then pay them off.

overtime thing it was like okay the. payment was due in like two days so. let's see if we could borrow uh like a. thousand bucks from the family so you. can pay the IRS. and then pay back the family within like. two weeks so it was a very quick thing. but it was like the it was an emergency. situation and you got yourself into just. a rough situation but. it's been you said nine months I think. yes it's November wow yeah so it's been. a while uh you should have made. substantial progress if you followed my. plan at this point. unlike every other Financial auditor who.

comes in here usually I review their. stuff beforehand and make sure I'm going. in fully aware their situation. relatively uh you I have not reviewed. anything and with follow-up episodes I. don't like to because I want to go into. this blind and see what you've done. in your mind have you made progress. absolutely substantial process progress. substantial substantial ooh go on. um I don't want to explore too much but. I've paid off a good amount of all of.

everything I didn't exactly follow your. plan to the T. um and we'll talk about that I didn't. agree with everything but sure uh the. the basis of it I agree with and I did. most of it so good so the fire stayed. lit under your eyes like the whole time. not the whole time I think the um. comment section definitely helped a lot. um the comment section the comments you. know they were great I mean everyone was. very supportive of me good and everyone. believed me believed in me um so I think. that was a really good factor a really. helpful factor and moving forward in.

this process very good that's awesome. cool well what now I would have given. you a financial score maybe to be. generous one out of ten before where do. you think you are today what's your. financial score today based on your. metrics have a zero for Real Estate but. other than that I give her three or four. three four four okay I still got some. let me see let's hope you are a nice. optimistic follow-up episode now we. start with a this is some kind of debt. this is a credit union Texas.

okay count. oh this is the loan balance on a 2000. Chevrolet oh so this is a different car. favorite car so oh walk us through what. happened with the car this is exciting. um so exactly as soon as I left uh that. day I immediately got in contact with uh. CarMax I actually couldn't even sell the. car because I didn't have the plates yet. so I had to wait a little bit to sell. the car okay as soon as I got the plates. in I took it to CarMax they they uh gave. me the appraisal uh you said no lower.

than 25 I sold for 25.5 so I was 4500 uh. negative I took out a 5 000 loan from. the credit union which was a 13.9. percent which sucked but a much lower. balance we could attack it absolutely so. I did that and I went and got this 2003. Chevy Silverado 7500 out the door where. I had Apple I put gap on it so 78. rounded out to be eight uh eight grand. um so yeah I did that and then.

cars back yeah that's pretty much it so. you haven't really attacked this loan. very much because it's still at 7474. well that's from June it's at like 6800. I believe oh okay. um so if you've been throwing like extra. payments to it I haven't I've been doing. minimum because I focused I was focusing. on the other the payments just minimum. and I didn't have a payment until. later I got in December but I didn't. have a payment to like April because. they had a you don't have to pay until. this certain month uh deal and what is. the minimum monthly payment on this this.

is 233 a month. for how many months it's like 48 maybe. okay why didn't you do 32 we talked. about that did we not talk about that I. talk about it with almost everyone so. I'm assuming we did yeah but I don't and. that's another thing we're getting I. didn't agree I don't think it really. doesn't matter I'm not gonna take it. that long it's going to be like hey I. can pay it off at the end of the year I. know but there's extra risk level at it. in general from a personal level maybe. you kind of fall off this fire really. under it like in the optimistic World. sure I agree yeah maybe it doesn't.

matter because you can pay it off but it. just adds a little extra risk to it if. you start falling back into old habits. and then you're holding on to this car. longer and it's an older car you know. Chevy 2003 I'm sure it has higher miles. like so the longer you have a loan. balance on a car that isn't fully paid. off or that oh loan balance on a car. that could die you know good yeah so. it's riskier having the longer loan so. that's that's why I think you know I.

kind of agree with uh money guys on this. they're like like. I'm trying to I always forget the exact. way they lay it out their rule but it's. essentially like it shouldn't be more. than 23 three years eight percent of. your income. 20 down payment 20 down payments that's. right yeah now you like them yeah I. watched them ever since they started. reacting to your channel yeah they're. great I love them hopefully uh hopefully. uh spoiler they might be coming down and.

hanging out in a few months so yeah I. love those guys uh and what's the. interest rate you have on this thing 8.6. okay so not thrilling but it's. definitely not like. absolutely insane wow but you're. obviously wanting to pay this off as. quick as possible once we get through. other debts and we'll see what that. situation looks like because I mean. you're probably not going to beat the. average stock market return over history. is like eight percent okay so obviously. we want to attack this yep especially. since we're starting to risk to having.

this anyway. so we've just been making minimum. monthly payments and we've never missed. anything yeah never missed a payment on. that beautiful Discover card and it. looks like we're paying off balances so. you had a 200 and then we paid 611 and. you've purchased 1066 which is a lot. actually what's your we kind of jumped. something what's your job situation. these days oh that was great I forgot. about that um I am no longer for Amazon. I work for the indoor golf shop. um in Salina Texas so how many hours a. week 40. good about four times our.

position full-time salary what's your. salary of 43 680 42 680 bucks. very nice okay are you going to school. still I am still in school okay are we. studying the same thing we are not in. construction we're in an I.T a lot of. people recommend it. um I thought it wasn't smart which is. what you like more yeah this one about. more I mean that's where the money at. the money is at now this is where I kind. of Veer off because you say you know do. something that you're more passionate. about and I'm just here to you know well.

not just not it's not strictly just do. something you're passionate about but it. was more the risk of you going and. spending all this time in school. something you didn't care about because. then I'm like okay we're spending all. this time in school to get a degree for. a job that you won't want to do and you. might fall off in like a few years so. it's not just going to something. passionate because you could be. passionate about something stupid. that'll never make any money and it's. like okay should we go into debt for. school or cash flow score or spend all. this time to do that but it's a mixture. of making sure whatever you're going. into and spending all this time to get a.

degree for you at least want to do yeah. so passion absolutely helps if there is. Passion something that makes money now. why are you choosing the degree route. versus like uh certification and like. you I mean you watch the social you know. I do like course cruise and I love them. and they have a I.T certification as. well uh why are you going the route. because I told my parents that I would. get my bachelor's degree and I'm gonna. be a man of my word and get my. bachelor's degree and I think it means. something to me to walk across the stage. nobody my brother my older brother. hasn't my younger brother doesn't like. he wants to so I want to be the one who. showed them my brothers you know this is.

what we should do do you disagree well. this is a lot of money and time for a. status thing because you're talking. about it in like almost a status way. yeah it's a status thing but it also you. know it comes from a good job you can. get a good job no absolutely and the way. you talked about it was like more like. okay yeah it's like it's okay or. something I've been finishing when I. started like I said I was going to. graduate I started school I think in my. life I've done a lot of like starting. and stopping and this is something that. I'm going to finish I told everyone. around me I'm gonna get my degree I'm. just gonna go ahead and get it.

regardless I mean I'm at a community. college it's I can finish the four years. at the community college I can cash flow. it every single semester yeah so it's. fine yeah no I'm totally down with that. that's that's good reasoning and then. going in and uh. you know changing your overall behaviors. around in terms of how you've done. things historically versus how you want. to go forward in your life I think. that's a really strong way to do it and. especially since you're cash flowing it. like there's no reason to just be. against that in general and then it yes. I get it feels nice to have the degree.

um I wish. there's a lot of things I think about. college because you're also learning a. bunch that you'll never use yeah. absolutely I guess these two classes are. just like I'm not going to use them like. it doesn't matter but that's why kind of. like certifications though it depends in. a hard job market you know we'll see. where weights are on everything but the. reason I like them is because it's. focused truly on the thing you're going. to go into where you're going to college. you take two years agenda it's things. you'll never use whatever well let's say.

I graduate I can still get my. certificates on the side and oh no. absolutely no I'm just ranting about how. I got trees okay. um. 708 credit score I don't remember what. your credit score was before but I doubt. it was that good 667 it was oh yeah. to 7 34. do you still have bad debt no I. don't have any bad yes you do you have. this car I'm sorry yeah that's it but. why is the first thing I see on here. McDonald's. are we not going full pedal to the metal. to pay this off we haven't been going. full Predator metal this past month no.

but this past month was well changed. um don't let the fire start going away. because it's so easy to slap into bad. habits I'm I give a strict budget. because I know how bad it can be in the. debts I've been in really bad debts and. I know how good it is on the other side. but even with a couple little things. here and there obviously I'm not gonna. freak out I wouldn't like say okay do. that so that's why it's never included. in the budget well what makes me a. little nervous seeing that and seeing. Amazon Amazon Amazon Amazon more. McDonald's second swing you're supposed.

to be. they're supposed to be paying you I'm. assuming that's the same place and no no. I just gotten took off and so I got some. golf equipment Spotify. [Music]. um lots of different bookstore things. Amazon Amazon Amazon Amazon. also Amazon so. lots of Amazon and then we're eating out. see what makes me nervous about that not. that it's always the worst thing in the. world. is that you were in a place of really. bad habits before and it's so easy to.

fall back into it and I know that on my. end from a diet perspective I yo-yo you. could be yo-yo in your financial. situation that's not what I want you to. do so that's what makes me nervous. what's what's our logic behind a lot of. those. um I think I did I just kind of relaxed. uh the um last month just because I've. been going crazy the past few months and. you know you get to the end you're kind. of like well I'm almost there you're not. though I mean six thousand eight hundred. dollars on an 8.6 interest rate for four. years on a car that could die is a lot.

I had to be paid off at the end of the. year don't you think I I don't know I. mean we'll see at the end of the. situation it could be paid off by the. end of the year if worse if if the. previous month we've started to fall. behind. will it be paid off by the end of the. year I hope so you're probably gonna say. yes but I guarantee it we put money on. it. I don't gamble but I appreciate that. don't just charge in 2013 13 27 cents. but that's. from the January payoff I paid it off in.

January or February. so this makes me a little nervous yep. but. we'll continue everyone always asks 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. 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 or. all the way up to 250 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 and if. there's your credit score. lots of blank pages are nothing. this must be a checking account okay no. overdrafts this year so far very good.

big change oh that's savings 125 okay I. was like that's kind of low for checking. account. any balance 635 okay I'm okay with that. for checking account starting 333 it's a. little uncomfortable but certainly. better than where you were before. a lot of things happen in your car. there's a few O'Reilly's yeah I mean not. about the car the the um you know Seven. Grand truck so there's some dents the. headlight was falling out fixed up yeah. that's fair well it's not fair doordash.

it's an expensive way to get what's that. look because I was like what did I do it. you doordash you steam purchased you. went to Moses specialty kitchen uh. Freddy's oh buddy McDonald's this this. looks like something that's bad face. cookies cookout kitchen vent moving out. money. you're going out a lot Dairy Queen. Popeyes Panda Express McDonald's.

dude this is starting to look like every. freaking day Little Caesars. Colin College. Starbucks. and again I didn't go through all this. but Best Buy I'm sure I'm missing some. things. so. use the Fizz card I do do you like it. it's great that is top tier top tier.

card good I'm glad I haven't had someone. on the show who's actually used it yeah. I use it for everything you wake up and. you you know swipe the card it'll tell. you immediately you got approved and. then it'll it'll say you got some cash. back and I got a good amount of cash. back I use your code got that saved up. um and then I wake up every morning and. it says you know we paid off your card. great you just go about your day so it's. my new debit card that exactly and it. builds your credit score so it's like. perfect for people who aren't credit. card people just definitely use that. okay well I'm happy to see how that is. that is a big surprise what I wasn't. happy to see was you going out to eat.

almost every day maybe every other day. if I'm being generous. this is another credit union this is. this is just another another form of the. same it's the same thing oh it's the. same thing I gave it I gave you two. different formats okay. cool but I'll see the exact same things. in there yeah the exact same things. uh sofa savings wow uh you've been. following all the stuff that I.

personally do on my own end or else I. wouldn't recommend any of this stuff so. that's great what's your balance and. it's just 250 250. okay so you're. getting started you win. we talked about doing the a thousand. dollars because you lived at home. usually the thousand dollars I think. it's too low for most people because a. lot of people can end up in a war. situation than they were if an emergency. pops up if they only have a thousand. dollars saved up but you're safe you had. you're staying at home so I was like. okay that works but now we're like 250. almost yeah no I I did it like 500 I. didn't do at the Thousand I just took it.

all out and had like 100 in there. because I felt I felt confident that I. it was a risk obviously a big risk I. just felt confident that I could take I. wanted to get this all paid off as soon. as possible. um after I had the conversation with you. I kind of knew how bad everything was. and I just didn't like having money. sitting around like that makes sense. though and you were living at home so. there is more safety in that situation. do you still live at home I just signed. a lease for apartment. why are we looking bad at that that's. good I hope that's good I don't know. again I would why why don't we just pay.

off the nine basically nine percent car. first. because it's still going to get paid off. by the end of the year oh I appreciate. your optimism but it makes me nervous. what's your new rent gonna be uh 11 24. with all fees there's space rents uh. 1067 but. what hits your account on a monthly. basis for the 43 680. I have two jobs I. still work two jobs what's your other. job I still work at the gym oh really. what are you bringing in with that uh on. a monthly basis.

she's like 600 paycheck we bumped it up. it was 14 hour last time we spoke how. are you bringing in total uh 3 500 a. month post okay yeah well that's a safe. side I can get 36 if I work more hours. but gotcha how is life with uh. going to school and working this many. hours because you're obviously killing. her on the the just working your front. which is great that's not too bad um. it's not the best but I know the things. will get better eventually you just. gotta gotta do what you got to do to get.

where you gotta be yeah not much free. time I'm assuming huh no I don't really. need it though when I get free time I. just kind of like sleep I don't know it. runs a bit expensive it's 32 of your. post tax with you having to work two. jobs over 40 hours a week so are you. working like 60 hours a week 60. yeah so. you have to work 60 hours a week and. it's still 32 so that's a that's another. thing is this rent thing that I'm not. super liking you kind of I the main. thing about this rent is like I'm. driving I'm tired of um driving. everywhere I know that you know it's not.

the best situation but I wake up I gotta. drive 30 minutes in my job I gotta drive. 30 minutes to second job and then 30. minutes back home this apartment is five. minutes away from my second job so I get. off of work I go to my second job five. minutes I can get home and get in bed. it's School online School's online okay. and then how far is it from the main. drum how far is what from the main job. your new apartment uh like 24 minutes. okay so there's something there's still. a little bit it's I you're cutting down. a half half an hour I mean I haven't. moved in so if you think that I should. just not do it I don't think it's I.

wouldn't do it yet. I would do it very soon I just wouldn't. do it yet I would just take care of. everything make sure you're in the. golden position before you have it you. don't you're moving into an apartment. out of home without a one month. emergency fund. that scares me there's things we need to. be if I have the discipline to. um yes I know I get what you're saying. and a lot of the things that you're. talking about right now you're assuming. no potential for risk though what I mean.

okay risk is life yeah but life is you. get in a car crash on on the way to work. and then all of a sudden you can't work. for a few months sir you might have some. disability or something or something. medical happens or there's a family. emergency you have to start taking care. of them something happens to a school. and other pandemic happens there's a lot. of risk this is not stuff that we want. to happen this is not stuff that we. assume is gonna happen uh there are. things that impact people all around the. country all around the world and to. assume that it will never happen to any. of us and it's just being blind so we.

set up ourselves for success by. accounting for some of this risk it's. okay to be in riskier situations like I. like taking out good leverage. on good real estate there is a level of. risk there people like Dave Ramsey don't. agree with that level of risk that level. or risk works for me I would not move. into a new place where I owe a lot on a. monthly basis for rent if I do not have.

at least I mean I wouldn't move in. without at least a three-month emergency. fund you don't even have one so that. makes me nervous but. you disagree oh no I just I don't I. understand what you're saying in terms. of risk but like I I think I'll be fine. everyone says they think to be fine. until the risk comes up and then. something happens but like if your car. breaks down right now and you don't have. an emergency phone but we still have to. make rent due in like a week I'd say in. specific situations what are we doing. you know yeah I'll go to work what do. you mean if I if my car breaks car.

breaks down. you no longer have a mode of. transportation you probably need to get. another car at that point rents due the. next week in this situation. I go to my parents house and I say Mom. can I borrow your extra car that you're. not using and I will take that car and. they will let you absolutely okay yeah. and they always have that there yeah. she's not getting rid of it she doesn't. want to so so baby. I'll be fine. I hope so you you have a stomach for or. a lack of understanding of risk or just.

a stomach much more for it than me so. let's see here. yep. annual net pay oh you gave me the net. pay I've got both should be a nurse girl. saying that no uh but uh when you said. 43 680 is that not no that's just. okay yeah. I don't want the payments braces so we. still owe on that yeah it's like less. than a grand left. that's nice.

yeah it's very nice you're close I'm. very much closed and it's a 229 minute. monthly payment yeah. just came out today. when does rent start. it's September 1st very soon so. have you put a security deposit and. everything down. you have to pay like 275 okay and that. rent includes all utilities no that's. why I put 1300 for like if I had like. electricity water gas I'm assuming it's. not going to go to up to 1300 depending.

on how much my internet and my. electricity bill is and then guess you. pay 320 a month for driving around yeah. but that'll go down because. we'll see how that goes I don't know. phone bill no parents pay for that okay. you're 23. you have a couple years left. on their health insurance but you're in. a salary position so we have to take. advantage of that yeah but maybe you'll. have to take care of your phone bill at. some point as well. debt Journey November 27th is when you. met. uh and we'll put this on screen for you.

guys to see December 2nd apartment paid. in full you paid that apartment thing. good December 5th IRS paid in full good. did you end up borrowing from the family. no I I knew we didn't have to I just. waited I was just like forget it we're. just gonna wait until I can have the. money and it was fine yeah okay IRS is. risky to mess with but I'm glad it. worked out December 9th 5 000 loan taken. out 13.9 interest but this was to sell. the car and you sold that on the same. day for 25.5 which was awesome. one day later got the Silverado eight.

thousand dollars borrowed for that. December 30th credit card paid in full 1. 638 was that like the Best Buy credit. card uh no that was the Discover okay. March 5th sold the 65-inch TV for 300. okay. cool and paid three thousand dollars so. it's a personal loan five days later. April 21st paid the remaining balance in. the personal loan that's great April. 21st credit score Rises to 738 it's. lower than that now that's these these.

documents are from those documents for. June is 7 34 so I guess Four Points. lower but okay. and Best Buy credit card was paid in. full on June 29th which was awesome so. that that one is the most recent and now. we are meeting today. oh what are these oh just questions. questions. uh we can get into those in a bit right. now let's figure out your. monthly required survival number okay so. 229 for prices 180 for car insurance car.

payment 233 groceries 300 good. um let's give yourself a hundred dollars. for like toilet paper toothpaste all. that good stuff and gas is 320 but it. will be going down let's say 250 now. just to be a little conservative. Brent. one one two four but you estimated about. another 175 for utilities sure. to be on safe side okay internet 80.

good phone bill that's all taken care of. okay any other minimal monthly payments. in your life that you can think of oh. you got everything there right insurance. and I'm really glad those credit cards. are gone that's really good. so 2671 is needed to survive. we just adjusted some things for. utilities and how much gas you would. actually be using. yeah and three thousand five hundred.

comes in so cool. definitely some to play with to continue. getting out of this situation. so this is what I would do because I. don't think I'm going to convince you to. get out of that apartment I wouldn't do. it but. let's just assume you're going to. continue it. [Music]. 29 is left I I know you say you hate. seeing money inside and you have to pay. off debt but let's account for a little. bit of risk but now that you're getting.

into a situation that is harder to get. out if you can't rely on your parents as. much for the apartment itself yeah I. don't want to yeah no I know I'm just. saying so there's uh we need to be more. prepared for it financially speaking so. so you need 2671. yeah 500 saved up in two different. saving accounts. one month you set aside. that extra money you have brings it to. 1329 so that's what I would do in one.

month. making minimum payments on everything. else. so that's the end of month number one. month number two you put the other in. the next 8 29 to it and you said you're. gonna make more money by working more. hours which is awesome I would do that. 829 so you're now at 2158 by the end of. month too in a savings account what if. um I have a I I got approved for this uh. balance transfer card why can't I just.

take the truck loan that's on there put. it on the zero percent uh card. and make like just monthly payments and. take all the extra money and just put it. in the high yields. and then it's for 21 months so. balance transfer does it uh what are the. limitations it's put on the balance like. you're what what kind of loan do you. have a specifically vehicle loan for. this car. do I have a yeah I have a truck loan for. that okay I don't know much about. balance I thought you could just. transfer any balance is it like a it.

depends uh like I could take a look at. it if you have it but I don't know if. you don't recommend it that's fine well. it's not even recommending it's just. like I don't 100 know the situation. around either of those loans to make. sure that that's even something you. could do I honestly don't think so if. they're both just traditional and. standard like if if this was I was. thinking maybe even a personal because I. know you you had that person alone which. you paid off yeah but I was thinking uh. maybe if this car was on a personal loan.

but it's just it's a standard vehicle. there's a standard vehicle. and also yeah it also depends on the. loan issuer. for that truck loan and the credit card. so I mean that's some things to look. into depending on what you want to do. and then coming from a cart can also. have insane transfer fee okay might not. might not even make up for whatever the. interest I thought it was on based on. the balance like it's like if you're. only if you transfer seven that grand. over you know it's but it's also coming. from a different loan type this is. coming from a vehicle loan type so it's.

depending on both accounts in both uh. uh. both oh what's the word I'm trying to. think of. places okay both. companies yeah oh I don't know I'm. blinking yeah that's fine uh but either. way yeah it's coming from different but. either month month two you have 2 158. saved up on the side and then. the first half of month three save it. all the way up to 2000 2671 put that in.

your high yield and then you have a one. month emergency fund so halfway through. month three then after that. your braces are honestly almost paid off. at that point so we're probably just. minimum until that one's done but. everything else you're making. should really just go towards the car. wherever the loan is wherever the loan. is and since you'll be making you'll be. making higher payments on this car. anyway Bringing Down the overall. principle might not even be worth the. different even if you can transfer it.

transfer it and the. gosh why. think of the word there is one word. there is one word that I want to call. them there is the issuer of the car debt. either way if they do not allow. whatever okay then it might not even be. worth it with how quick we're gonna pay. this off anyway because you're gonna. have the extra 200. 229 or 209 from the braces 229 you're.

going to have that in just a few months. anyway and this extra thousand dollars. that you're making on a monthly basis. you just go towards the car and should. pay that car off in like six months. anyway so you have a one month emergency. fund and three and a half months or uh. in two and a half months and then. another six months minimum the car. should be paid off so end of the year. I'm not 100 sure we'll see I think I can. like I said I can work more if you work. more bring in more money sure but right. now the math doesn't the math doesn't. work with the 3500 net uh with rent so. that's even if we don't save up a one.

month emergency fund I'm not saying the. end of the year work out mathematically. but more money. um obviously creates better results. there. now the one month emergency fund I feel. like you might not do it based on. historic performance but I really would. in this situation because it's different. than living with family yeah. um having to be responsible for this. rent. so yeah I mean I think. um. half months easily you should be out of.

the card at the braces that have a. one-month emergency fund and then. getting rid of the minimum monthly debt. payments 2 671 minus that 229 minus the. 233 those are the cardets and the braces. that so 2209 is what you need to survive. on a monthly basis minimum times that by. six would be 1300. 254. no sorry 13. 254. I said by the 2671 you already have.

in a savings account you need to bring. in an extra you need to save up an extra. 10 583 so divide that by the now extra. 1250 you have on a monthly basis. eight and a half months I'm done with. everything well eight and a half months. you are your base level is finally set. for financial progress for being in a. good place financially the base level. cool enough getting out of all bad debts. and having a fully funded emergency fund. so.

it's essentially a year and a quarter. Maybe. a year year and a quarter depending on. your income and what comes in yeah and. how much is sustained again we started. taking a step back this last month and. we signed up for a lease again so. I think it'd be better I think I think. this this apartment would help me like I. don't know mentally has been hard just. always being out getting home at like 11. at night and having to wake back up like. when I was working at Amazon you know. you're working yourself so but remember. what the sacrifice is for though yeah.

because if we didn't have this rent we. had an extra thousand and this is why I. would try to get out of it if you can. that extra thousand dollars you can. start putting towards this stuff dude. you have a fully funded Merchant from. the car and the braces are gone and what. but we're only looking at eight months. the finance part of it like the the. middle of course yeah so like that's a. big part of it I don't know absolutely. the Thousand that I'm saving I got I've. sat and I thought about this and I was. like well it'd be great to have a. texture but I think like with what I'm. trying to do like this apartment will be. good like losing weight like it's I'm.

not I'm sorry I'm not yeah I'm not. disciplined enough to come home like if. I have my meal prep and my mom has like. pizza on the table or she has ice cream. or cake you know I'm not disciplined to. be like I'm not gonna get something like. it's so accessible but when I'm at my. apartment when I was at my apartment. then my finances weren't good my health. was good in terms of mental and my. physical so I think have you sought. mental health no I don't need any of. that I just know what I don't I just. don't I think everyone needs it they are. I think a therapist.

their job is to like to break you down. and talk you know talk about the mental. things or the barriers in which well. their job is to help you with however. you need help yeah I think I know how I. need help I just I need to go do it I. think I'll be fine I went to a therapist. a couple times and I think two sessions. was all I needed to know what you know I. need to work and make more money and. I'll be fine. that's pretty much it a little nervous. with the way you're talking about some. things you seem very set in stone and. not very flexible at all and that makes. me a little nervous when we think we. know everything because I don't even.

know close to everything and even the. stuff I've talked about on the show has. evolved quite a bit The more I've. learned and the more people I've talked. to. um you are very concrete with where you. are and that makes me a little nervous. just in long-term viability for many. things I think that. the last time I came here I was a lot. more open-minded and I'm still. open-minded I'm still flexible I just. kind of I've sat and I've thought about. this like when you're working as many. hours I do that's it Amazon I'm thinking. about I know this will work I know you.

know when I was on this little journey I. cut back I took away my grocery budget. because I'm just like I just want to get. this done like. I think that. what is the words I'm looking for men's. hubris can be dangerous though what is. that when you're 100 confident that. something will work that and there's. knowing you say I know this is going to. work that can be dangerous it can be. dangerous but I think it's good to have. be confident that you know which. confidence is good but putting like. everything in one basket and just. assuming because you know that it's all.

gonna work can just be a little risky. yeah you're right but again I'm not 100. against this uh rent thing that's why I. still the plan we laid out has the rent. in there me just knowing mathematically. how good it is to be out of debt and how. good that affects. um majority of people's Mental Health. I personally would deal with it with. another for another nine months or so. instead of extending this to twice as. long but it's okay to do that for twice. as long especially and let's talk about.

uh how important it is to get to the end. of the line if there is a higher percent. chance for you to get out of debt and. have a fully funded emergency fund by. doubling this process and being an. apartment versus having the likelihood. that you will get out of debt and have a. fully funded emergency fund by staying. at home even though it might be quicker. then I'm good with that longer process. that you literally just explained it. perfect I think that's like the the. metric I'm looking at like I'm you know. the fire as you say is burned or is not. as lit because you know I'm at home I'm.

tired of driving I'm tired of being at. the crib or at the house with my parents. I just want to go home be my place be. close to work and be able to wake up and. and do what I got to do yeah but even. the job that you're going to uh the most. is still almost just as far away yeah. but it's not that doesn't that doesn't. bother me as much as when you're when. I'm getting off of work and it's 10 30. at night and I still gotta drive 30. minutes home after working a 12-hour day. working our day whatever so you go and. work at the gym after after after. throughout the week Monday through. Friday yeah.

um try let's try to definitely pick up. as many hours as we can especially now. that we're closer as well let's take. advantage of that because I think. bringing up. I mean obviously bringing up your income. is going to help in any way whatsoever. which is tons of room for that to grow. yeah. but if we're taking the sacrifice of. paying you know a thousand three hundred. with renting utilities now. let's try to make it up in some other. way because we are starting to lose. progress and we're losing progress on. the uh we went out to eat a lot.

that was a lot. let me bring up some of your spending. statistics we saw in the last month. going out to eat 304 dollars that's not. what I want to be seeing in a fall. episode of a follow-up episode when. that's that's more than your braces. payment that's more than your car. payment you could have made more than. double your payment on either of those. versus the Mickey D's but we chose. Mickey D's that makes me a little. nervous what is so awesome and I'm I.

want to celebrate so much and we can and. we have especially towards the beginning. is you've made incredible progress and. that's celebrating it's so easy to slip. back and I I hope you understand why I'm. nervous whether or not you agree with it. I hope you at least understand why. because we've seen it plenty in plenty. of times. Amazon 110 bucks. 519 on gas. is expensive. and you're driving an old truck.

yes it's reliable trust me that's right. I know about gas oh yeah yeah expensive. so it makes sense and there was again a. lot of books and you went to Best Buy as. well some stuff like that second swing. yeah not 75 bucks I returned that laptop. if I need to for school though so. how is school going great I mean how. much longer. [Music]. a couple years if I'm only doing like. three classes or three or four classes a. semester yeah so I'm trying yes that's. the main thing cash flowing it um so. we'll see I'm just trying to get the.

classes out as fast as I can. once we're uh fully out of debt and we. have a fully funded emergency fund now. of course doing the rent situation it. stretches to what like a year and a. quarter so you're going to be relatively. close to finishing school at that point. anyway but if we went the route of. staying at home we had a fully funded. emergency fund paid off all the debt and. then moving into a place in nine months. or so maybe even quicker if you work. more hours what I would then say once. you have a fully funded emergency fund. and stuff like that we start cutting. back on work and just earning what you.

need to survive because you already have. a 4500 emergency fund so what's needed. to survive and what's needed to pay for. school and then the rest of the time is. actually spent on finishing up school. quicker you can do that in either way. does that make sense yeah well that's. not my plan was to move into the. apartment. um and work until I obviously work the. hours I work until I finish paying off. the truck and get the emergency fund. once that's and then maybe I'll cut back. on the working and I'll start like I. wanna.

uh on the side do editing so I would do. really want to do editing so I'll learn. that editing editing videos like YouTube. and things of that nature um for my. YouTube channel help grow my YouTube. channel through that and maybe start a. business or people come to me for you. know if they want to edit a video or. what do you want the degree or that. yeah that's another thing I just want a. lot of things yeah well let's focus yeah. well we've had people on this channel. who want so many things and without. focusing and setting goals and what's. necessary to hit those goals we want to. make sure we're at least achieving these.

guidelines if we are achieving these. goals if we have endless amount of goals. and we get distracted and it takes. forever to finish any of them because we. have so many we're trying to achieve it. makes it harder to reach the finish line. for any of those goals yeah so I think. in this situation we choose okay do we. want the degree. that we want to pursue those I'm good. with either like you can do whatever you. want if we choose the degree once we. paid off the bad debt and we have the. fully funded emergency fund let's focus. on getting that degree let's double our. classes and make sure we're cash flowing. up but you don't need to work as many. hours to do that anymore at that point. if I'm not working 60 hours a week I'm.

working 40 let's say I I pay off the. truck and I have the 7500 as a virtually. 500 10 grand however you want it yeah. then I can still do like I can give you. that time up with school and learning. editing it doesn't have to just you can. but then school is still being stretched. out as long as it is now. [Music]. because we're not doubling up on school. or whatever mathematical I mean I. developing school and do editing like I. know a substantial amount of editing but. I just want to perfect it per se does. that make sense.

that does but again there is there is a. disconnect here there is something that. I don't know you're just saying like. yeah I'll just double up on school and. I'll do pick up editing yeah it just. magically works. uh it's kind of how it kind of has. worked the past nine months I just like. well I'm just gonna take full load and. I'm just gonna work this many hours and. just figure out when you really want to. do something I feel like you just figure. out you know how to do it you just put. it on the plate do it it's kind of how. this kind of happened I paid off all of. it you haven't paid off everything.

though you've made good progress and. we're starting to slide back so again. there's some kind of assuming things are. just going to happen and that always. just makes me a little nervous but. you're right things have had things have. worked so far and again we can celebrate. that there's nothing wrong with that. obviously. um it's just like okay what I would just. rather Let's either get the degree or we. go full in on the editing thing is once. once we're done like okay so answer me. this when we're done with school and. everything do we want to be editing.

full-time or do we want to go into it. um. with editing is the ultimate goal. editing and doing YouTube is ultimate. goal but then why are we wasting time. and money on this it thing because I. just because I'm trying to set not only. set an example for my family and my. brothers which you I understand you. disagree with but I'm finishing when I. started I'm being a man of my word. saying I'm going to get my degree that's. what I'm gonna get I'm gonna get it that. sounds like some ego thing like though. no no to the ego of just you having to. live up to like your own certain.

standards or something I don't mean ego. in the way of like oh I'm all this I'm. this I'm just talking about internal ego. of like you have to meet this because. you promised it and stuff like that and. I'm good with the man of the word things. but again. just realistically real world while. we're here only once you know. why are we spending all this time and. money on something we're never going to. use because I I don't know when I'm. maybe I'm not. saying I don't know I my dad only asked. for me you know growing up is that he. said son I just want you to graduate.

college and get your degree yeah that's. that's an American flaw though that's a. classic American flaw of like parents. they want nothing more than their kids. to go and get a degree but they don't. even understand the value of degrees. they don't understand the value of. college they don't understand what it. costs to go to college this is who cares. I understand the emotional impact of. that but your life is your life I don't. give what anyone else thinks about your. life well you ask like what I want to do. in my life like part of my is making my. parents proud you know and things in. that nature so you don't think they'd be. proud of you or a successful video. editor no like the degree itself is what. makes them proud no I don't think the.

degree itself but it's a part of it and. I told them I would do it so I'm being a. man in my world regardless if it says. that ego or status you know I'm just. doing what I said I was gonna do and. that's that's it doesn't have to be any. deeper than that it's not you are not. flexible how is that not flexible. because. close but you don't seem very. open-minded. I'm over my. I move mine into stretching stretching. out the degree if that's what it takes I.

mean but like you're talking about just. completely wiping it out and just not I. don't know I'm I'm saying focus on what. you want to do what is the end goal and. let's do what is achievable you know. along the way setting a plan to hit the. final goal right now we're just we're. spread out there's so many things we. want to do and where you're going to be. doing you're going to be finishing a. degree in your late 20s when we're. finally saying we have no uh investing. going on so that's scary at that point. what you're going to be investing like. crazy while you're getting a degree. while you're also video editing while.

you're also working 60 hours a week. so we now have a third thing we're going. to be doing all of a sudden actually. taking the money that I have extra and. just putting on an investment account is. that not investing what do you what do. you. what do I what is it editing in if you. have extra money at that point why not. just take more college courses then. I think I'm missing something because if. you have extra money at the point where. the bad debt is paid off. yes and you have a fully funded.

emergency fund why don't we either cut. back on work that is creating that extra. money so that you can finish up the. degree quicker. or use that money again to pay for more. classes cash flowing so that you can. finish the degree quicker we're still. spreading out the college forever. I guess um maybe I'm missing something. because of the extra money you put a. certain percentage do the little 50 30. 20 obviously I'm not I'm kind of off of. it but put a certain amount and. investing I'm still investing I'm.

literally taking the the uh match at my. job I mean I'm not investing aggressive. how you would want like the 20 or the 15. but Investments are always going to be. there I'm going to be putting money to. Investments you haven't yet though right. you haven't taken the match or whatever. they have the match good I would think. yeah but not like going above that I. don't think I plan on. uh doing like I start getting the stock. market I mean maybe but the retirement. is really the main thing isn't it. uh just overall retirement at some point. it's again it's the focus on different. things and I think this is.

I think screaming to me. uh more than any other episode why I. think Dave Ramsey's baby setups actually. work for a lot of people it's because. his baby's steps are very intentional so. that people focus on one specific thing. at a time because right now we are. spread across so many different goals. and I don't want you to be working 60. hours forever to finish up this degree. that's going to take forever and never. creating a overall large enough rental. uh. Investment Portfolio because again all.

these things are taking forever I don't. mind working 60 hours a week though it. doesn't bother me you say that now. you're gonna be fine doing that for. decades and decades I've been doing that. for the past three years three years. shorter than a decade get a shorter but. remember you're also already getting. tired so we're making we're using that. as an excuse to go and uh justification. for signing up for a thirteen hundred. dollar rent let's follow it yeah cool. so what happens the next time when you. feel like you need a big change but we.

can't just go get like another apartment. isn't going to solve it you've already. hit that so what are we going to do at. that point maybe cut down on work I hope. not because we can't because we're. searching College out forever because we. also want to spend time doing this video. editing. so it's like. I'm saying we'll do the checkup in six. months nine months however we'll see. where I'm at and I think that everything. will fall into place I want to take a. brief moment to thank today's video. sponsor Aura are you sick and tired just.

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can focus on other things with peace of. mind go to 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 it's very. optimistic it's nice I mean I don't. think anything's gonna go wrong uh. this is but things can happen and I. think overall with your drive and wants. that you will be successful in the end I. just want to get you to your goals. quicker that's all and I think I see. paths to do that but I don't think.

you're open-minded to those just not. doing the apartment is that what you're. saying in terms of being open-minded. what am I in terms of not getting third. or even about the degree or focusing on. the editing or getting uh finishing. College quicker or just a lot of the. things that we talked about it's like. okay but yeah but this is my plan. okay here's this thing okay yeah but. this is my plan oh you know here's this. whole time yeah but this is my plan it's. like okay. we could just you want to just go. through them you can if you want to is.

there anything worth going into that for. other than a house I think that depends. um so everyone's a different person. everyone's uh. a different individual I think there's. even good ways to do card debt I just. think it's risky for the average person. I think at a three percent interest rate. on a 32 month uh loan just putting. minimal percent down. and let's say you have ten thousand. dollars and there's a ten thousand. dollar car you can buy in cash where you. can put a thousand dollars down have. like a three percent interest rate which.

is hard to get now if their interest. rates are and then invest the other nine. percent with the average returns of the. stock market that I am happy with. it makes me nervous for uh the average. person because one maybe they'll go get. a more expensive car now because they're. putting money down and two maybe they'll. just go below that money instead of. investing it but I think there's there. are there's very good ways to use that. for very disciplined people so. um and then yes like you said uh real. estate is obviously a good place when. doing it right opinion on fire retire.

early movement no I love it it's great. it's hard work. um and a lot of people have found. themselves in that situation you know I. just I like to browse it subreddit and. watch YouTube videos of people the. situation. they found they find themselves almost. without friends uh in connections uh. once they get to the moment of hitting. fire and it's like. I wish there there it was there's. probably good cameras because I'm not. super like I'm not in the movement uh so. I'm like viewing from the outside uh but.

I've seen a lot of that I think there. could be a good conversation around. you know maintaining relationships so. that once you're the place where you can. hit fire that you're able to actually. live that life that you were working for. and you're not just and also a lot of. people hit fire and then the the life. that they're able to live on a yearly. basis is still kind of like. lower income type situation like above. poverty but certainly not upper middle. class or anything like that and is that. the life they want to live forever. I don't know but again I look at it from.

the outside so I'm not as educated as. someone who's full fire. on that because because that's not. something I care about personally yeah. what is your opinion on e-commerce Drop. Shipping Amazon FDA Drop Shipping I know. nothing about I know people get sucked. up into a bunch of courses and stuff. that's a lot of social media so that's. kind of why I asked like what do you. think about all these oh I'm 18 I make a. million so it's just like I actually. worked with someone in uh two companies. ago the position I moved down to Austin. and worked in sales with who was making.

a lot of money doing Amazon selling so I. know some people can do it but I know a. lot of people fall into the scam of. wanting to do this and then buying some. people's like you know super duper class. there's actually a lot of classes that I. think are good and helpful out there. people can take good classes and. budgeting and stuff like that and that. stuff is good I think people can get. sucked into a lot of the uh Guru type. stuff yeah Drop Shipping that's what I. do not like. um I mean. Ecommerce like we're doing a little.

e-commerce stuff right now with this but. I also want to make sure that uh you. know people aren't buying it if they. can't afford it if they're in bad debt. so in general I mean I like the. e-commerce e-commerce it's a degree from. University more than from a community. college there's no statistical Auto. studies every study that I've looked at. and that anyone else I respect has. looked at there has been nothing to show. that a degree from a University versus. going to a community college or a name.

you know a big name University versus a. university that people haven't heard of. is worth more in terms of the income. that's been raised the only thing that's. potentially shown out and there's not a. lot of Statistics back in it but more. just. um uh you know people bringing up a. potentially good point that needs to be. looked into is potentially alumni. relationships around the country but. most colleges have that anyway but. either way if someone's like a high. level executive at a company and they. got degree from blah blah blah.

University and they want to hire from. blah blah University well they're just. addicted but they still might exist that. makes sense. does the interest rate and term of. payments really matter if I'm going to. aggressively pay it off we already had. that conversation pretty much can you. help me start investing I don't like to. give investing advice I like to do my. investments but since I'm not certified. to talk about investing I don't like to. do it just for potential legal reasons. so it's good to talk to the financial. advisor about that kind of stuff what do. I personally do I like good low-cost. index funds that represent overall.

United States markets. and then 20 typically for people. starting in their 20s potentially 30s. mid 30s might have to get that up to 25. if you're starting your 40s 30 45 of. your income uh 30 35 of your income and. that percentage only has to go higher if. you're starting later. Should I refinance my truck and try to. get it below four percent interest rate. that might be hard today with where. interest rates are today and anyway. we're going to pay it off so quick. so quick uh and with what the age of the.

car is I want to pay it off quick anyway. regardless of the interest rate. realistic timeline for you to buy a. house. depends how you want to go about this. path and then put some of your fun money. into because I need you to catch up on. investing afterwards uh so that 20 is. probably what we're still going to hit. anyway so we might might take from. foreign.

you're talking about like 20 for this. traditional and then for the Roth that's. just a separate thing or it's all. together. um I'd max out your Roth IRA and then. whatever is left over to hit that 20. your 401k should be fine. um but yes I think you could definitely. realistic we'll we'll get you in the. house probably uh you could aggressively. five years uh and then if you want to. cut some from your needs and some from. your wants aggressively five years. because I want you to put a good amount. down FHA usually gets yes it's more.

access into the real estate market but. your monthly payment just becomes so. high for many people that's more than. they can afford and that becomes a. little too risky and I don't want you to. get into a risky situation for what will. eventually become probably your biggest. asset but uh 10 years as well so five to. ten years five on the more aggressive. side for sure. can you lose the money that's in your. 401k well markets can go down but uh I. just wouldn't exit my markets are down I.

say this because my mom informed me that. somebody had just lost all the money. that was in the 401K she didn't say your. how but all I mean even when markets. dropped in 2009 everything dropped by 50. so there was like no way for people to. lose a hundred percent unless they were. in like the most CR unless they were. just in like a stock that went to. nothing but if someone has 100 of their. portfolio in one stock they're doing it. wrong anyway yeah okay so. ever address some of the crazy Financial. advice that's given on Tick Tock other. platforms.

um this is not really my thing yeah well. I don't do react content uh but if you. bring if you wanna if you want to bring. it here and talk about it I'm happy to. um. can I buy things for my YouTube and. write it off as a business do you have. an LLC set up no I don't know anything. about that I'm just saying I've heard. you mention things about that just like. yeah make sure before you do something. like that make sure your business is. actually set up legally so you can start. writing some things off okay so you have. to do that okay. you see 53 to 20 could you budget in a.

car payment as a part of your overall. wants category at some point sure I'd. want the interest rate to be low and I. think following the money guy rule on. that is would be halfway decent way to. do it again I think that's bad for the. majority of people but for the very. Savvy and disciplined people there can. be ways to do it and that's we kind of. talked about that with your first. question as well do you agree with the. 23 8 rule for financing a car yeah how's. the last one. cool well I mean in general I am I I.

know we definitely got into a back and. forth about quite a few things in terms. of what to do going for and stuff like. that and you know maybe the right answer. is a mix between both of our opinions uh. but regardless of all that I am very. happy at the progress you've made so far. you have made me incredibly proud and. hopefully you've made everyone in the. audience incredibly proud. with what we've seen for potential. slipping back this last month don't let. that continue stop that and let's get. that Fireland under and let's maintain.

pay off this car get a fully funded. emergency fund pay off the braces and. then start investing that 20 and start. saving up to get that down payment on a. house and I think your life will truly. be golden man I think um just based on. what you've talked about with your. family I don't know your family. situation everything like that but I. think you'll make a massive example over. the next you know decade two decades for. your family and you will probably be a. generational shift in your family and. that's going to be very exciting but we. have to keep the discipline going we. have to make the sacrifices now.

temporarily for the better future and I. think you are along that path last. suggestion would be Focus up figure out. what goals are what is needed to what. are the things we need to hit in order. to hit those goals the final objective. and focus on those we can focus on a. couple but when we're focusing on like a. bunch it can take a very long time to. hit those any of those final objectives. and because it's taking such a long time. sometimes we can fall off that ladder of. hitting though so just focus up on some. things yeah I think that I didn't really.

I feel like I didn't uh what does it. speak to things or explain things the. way I want it yeah but that's why I like. coming on here like getting another. opinion it kind of brings that fire back. up and kind of is like okay so that's. okay if you can speak it on perfectly I. fumble every other word so. that's okay and. um. I mean the last thing I would just. really when it comes to mental health be. open to uh seeking just Mental Health. expertise.

I'd like to surround myself with people. who know more things than I do on. certain topics. I might be the personal finance guy but. I don't know. about a lot of stuff so surround. yourself with people who do know those. things so I surround myself with mental. health experts in my corner when I can. for my own therapy and stuff like that I. agree you you go you go your own route. but this is something I would. potentially suggest and then your life. matters regardless of other people's. expectations for you.

and the pridefulness around that your. life matters in the end man and once you. are able to take care of yourself you. are able to take care of others in more. ways than you ever could before so focus. on that regardless of what other people. want and other people's expectations of. you that would be my thoughts I agree do. you have any final thoughts any. questions anything at all uh final. thoughts um I just want to thank you for. bringing me on um Let me show my journey. I appreciate it. um furthermore let me think half of my. I'm literally just blanking so much.

today it happens me too I just in. includes just promise me you bring me. back six months nine months for another. follow-up to see of course how it all. plays out I don't want to just show that. I think that it'll all be be fine I know. we went back and forth in some things. and I know that I'm not I guess I'm not. factoring as risk as much as I should be. um but I'm just confident that. everything will work out and so I want. to come show it beautiful let's do it. let's do it all right for Josiah it's a. really good conversation let us know. what you think about the discussion and. disagreements we had in the comments.

below and give them some love for coming. back on here and for making the progress. he has because that's super exciting and. we should always celebrate that I think. honestly his hammer Financial score. before would have been a zero because it. was just really bad right now with where. it is realistically it would have been. higher except for just a couple things. we saw spending in a budget if it was. what he was doing these last seven eight. months it would have been six seven out. of ten but because he really fell back. into some bad bad habits and he was. going out to eat almost every single day. it cannot be higher than a 2 out of 10.

the debt made big progress it would have. been a zero before but still because we. have a high interest car debt it still. can't be higher than a two out of 10 for. right now but that's going to go away. very quickly and his score is going to. go up emergency fund not much there a. little one out of ten uh investing not. much there a little one out of ten again. both of those will Skyrocket soon in. real estate you know next five to ten. years but not right now zero out of ten. so for now Hammer Financial score still. low it's going to be a one out of ten.

that is quickly going to be a two or. three out of ten in the coming months. and in the coming years is going to be. five six potentially seven out of ten. and that is very exciting remember the. average person average solid good that's. 5 out of ten if you're thinking zero to. ten so 5 out of 10 wouldn't be bad one. out of ten for now make sure to check. out all the resources Linked In the. description below they are what I use or. would use in specific situations 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 hammer the title slash. description.