Frustrated Incel Buys Women Instead of Dating | Financial Audit

hi my name is Wyatt I'm 23 years old I'm. based out of Kansas City Missouri and. this is financial. audit what do you do for living in. Kansas City so I do private. security basically people pay me to. fight for them all right you're just. beating up I just I just fight hobos oh. oh okay or I just watch people and um. just call the cops okay that sounds more. like the security I know the people are. just like Oh's going on let me call the. real people.

I do both cops as well no I don't beat. cops up what's wrong no sorry I thought. maybe you were also saying you're a cop. as well no I am not a police officer in. any way I have no intentions of becoming. one all right okay. uh I wouldn't have cared if you did but. uh so how many hours a week do you work. I work 40 sometimes 45 hours it really. depends on how the week set up because I. work a weird shift are you hourly yes. hour what's your hourly my hourly pay is.

$20.60 an hour how do you feel living. off of Kansas Missouri Missouri in this. how do I live yeah or how do you feel. living in. Kansas Kansas City Missouri on this it's. fine I live comfortably but sometimes I. like. to what did I do something wrong no I'm. listening oh okay yeah it's comfortably. sometimes I might Splurge too much yeah. a lot.

like food like Chick-fil-A is you're. proud of that like no you just being a. cheeky little cheeky boy yeah every. likes to be a little cheeky I don't want. to cook okay. well well that highly depends on your. situation if you can afford not to cook. like don't cook bro right yeah like are. you entitled to not having to cook like. what's your mindset on that well we can. figure that out but like now sure uh due. to my schedule since they took away 24. hours storage it's really hard go to.

store buy food stay in line all that so. it's just way easier just go out buy. food eat so 40 hours a. week how many days a. week five to six so I work so the. seventh you can't go to the grocery. store so I work overnights I work. overnights okay I so when I go to bed. they're closed when I wake up they're. closed but you still have the next day. off that you could like wake up a little. earlier right.

I don't really want to do it sleep's. important to me I rather sleep okay well. why do you why do you have that are you. like I mean that's honestly that comes. across as a little like fake like H. you're making a joke are you I just. prefer to sleep and then get uper that's. fantastic like awesome didn't you serve. in the military if I'm not mistaken yes. and I already did my time I'm done and. you have no discipline left it's exited.

your body it's not required. anymore isn't it required to get. groceries if you can't get groceries cu. the stores are closed then it is. required right no it's more of I don't. have a boogeyman with a gun to the back. of my head the boogy man oh it's big. army you do what they want you to do if. you don't do it they're going to really. mess you up oh okay okay but this time. is the DAT yeah so your situation give. us a little rundown what's up what's up. with your life so I make about I don't.

know like 70 80,000 a. year continue I mean so far with what. you just gave me it would equal more. like $40 to $50,000 a year so I'm a. little confused unless you have another. job that you didn't tell us $20 an hour. 40 to 50 hours a week yeah so I also. have a medical settlement that I'll be. getting for the rest of my life oh okay. through your military time of the. military yeah gotcha and how much is. that on a monthly basis CU that. obviously that moves the that is like uh.

$. 3,758. 59 just about just about maybe off a. couple hundred or a few. cents okay okay what happened uh I just. got some injuries as well as some. illnesses that developed from my service. can I ask no I can't really give too. much detail it would affect my uh life. okay. sure okay so with that obviously that. then dramatically does improve your.

income. so $20 let's say 45 hours a week to. just me in the middle yeah it's about. $86,400 a year so what came in this last. month payroll was. $2,929 and the VA was. $3,870 so total of $6,795. so okay when I ask how do you feel.

living in Kansas City Missouri on this. income obviously more than half of it. comes from the VA yes okay so I mean. that's that that makes up for it you're. living above the median household income. at your job you're about $3 below the. median uh hourly for people working in. security but again more than half of. your. income $3 below yeah oo across the.

country medians at. $7,881. 2,848 a year if we uh do. that I need to step up my game then. because that's no that's no good I need. to be making more money if that's the. median yeah more is always good but I. mean you're pretty close to the median. so sure I like that mindset that's good. uh What what do you okay what's your. plan around that you seem shocked by. this information.

well I was under the impression that. that was the. highest paid maybe in that. company or that Branch or whatever yeah. and uh Kansas City could have a weirdly. oversaturated security Market which. drives down the wage in that oh because. crime is so high and it keep going up so. job security is perfect so okay so it. wouldn't be that then okay you just seem. shocked so I'm how long have you been in. this industry so I've been about two.

years first six months I did unarm then. after I saved up some cash about I think. 44500 I bought some equipment which is. really mad because when I had interview. with the employer they told me they. weren't going to let me rent their. equipment but when I got into the. interview process everyone else got to. rent it and I had to buy all my. equipment out of pocket and with this. income you were actually really proud of. this in your like appli and pre-show.

talks you were like very proud of this. income so I think you thought you were. above the. median like you were like almost. bragging about it yes I did but where. did that come from where did that like. hubis come from that hubis cuz I'm on my. own little bubble right I don't have. time to to Google to Google yeah 5. Seconds okay it's like we don't have. time to go to the grocery St exactly. mhm okay atten all business owners if.

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I got just from your facial features the. little bit of twitch you have and like. the mouth and your like a little cheeky. smile and things saying like oh I just I. I don't want to go to the grocery. store just a little difficult to. sometimes like get. something in to your conscious thoughts. for you to like act on and change some. part of it is I'm a little bit camera. shy yes yes which we should all take. into account we should all take into. account that's true I know people are.

some people are they're all actors are. you an actor sir no okay yeah I don't. know the internet's a weird place they. get in their own little streams of. thought but um yeah no that's fair. camera shine and if you want to come on. the show and get a financial beat down. if you needed that little extra help and. even if you're Camery kale pam.com. apply so your debt you're a lot of debt.

okay we'll go through it I would like to. hear from your own just perspective of. knowing your finances give me a score0. to 10 Z being the absolute worst that's. out there 10 being the absolute best. that's out there of a financial scale of. where you think you are. today I think I'm around a seven but. there may be some areas where I could. definitely improve but seven you think. you're above average you think you're on. you think you're like moments away from. being like the best of the best of the. best of the best finances well I own a. house and I'm 23 is that everything and.

a car oh you have a car yeah oh like. every. American to sure okay cuz you have to. have a car to survive in this country. essentially the house thing that is. pretty awesome did you take advantage of. like a so I use the VA home loan okay so. Bas much easier to get in the door that. way yeah so basically whatever the. requirements are for your military. service on your contract some it's three. sometimes it's four years basically once.

you get out you just need to have the. income to show that the VA or the lender. it's like hey I can afford the mortgage. payment yeah but you don't have to put. anything down no which makes it much. easier to get in the game I me that's. not discrediting at all being a. homeowner because you are taking on a. lot of risk and you are doing a lot of. things it still takes a lot of. responsibility uh but I think that. probably did help did it not oh yeah. okay you're shaking are you are you okay. okay you like really nervous oh yes I'm.

nervous okay just want to make sure um. I'd be nervous after giving me a seven. out of 10 cuz that's. obviously if you want your score Hammer. Financial score it's free Link in the. description below so how do you get into. so much dead in the first place before. we start going into all this oh yeah so. about halfway through my contract I kind. of got addicted to so about. addicted oh we good I've never heard. adct. okay sorry go ahead so about 80 90% of.

my income is going to support these. strong independent women or help them. pay. for 80 to 90% legitimately yeah what is. it what is how do you even I get my. paycheck and I go to clubs and just like. how much was your. paycheck uh about any from. 1,000 to 1,200 a month uh a week every.

two weeks I mean and you just yeah get. them in ones and Let It Fly oh yeah were. you pain to have SE with them no okay. it's illegal I catch a felony well yeah. no but I'm that's a lot of money to. spend how do you spend that much as. clubs so usually how it works is you got. money for dances where you just fling. ones on them or you could go pay for.

private dances which is about 3 minutes. some it varies three minutes yeah it's. usually the length of a song what do you. even uh hide the kids for a moment what. do you even get from that I've never. been to a club I'm boring you want to go. no come on it'll be fine I'm okay but. what like it's a dance are you are you a. virgin no I was going to ask someone who. spends $2,000 a week on strippers if. they're a virgin I don't have to pay for. my. well I just think about like this it's.

way easier just to pay some to give me. fake fake attention than go try to spit. game okay I can just go through them one. after another and I don't have to worry. about hi my name's Jessica yeah but you. don't get anything emotional from that. you also don't get anything like. conclusive it's purely for the lust yeah. like it's an endless. Edge um I guess so. but but you went into debt for this.

that's why I'm a little confused yeah so. I had a credit card and uh I think it. was about five or $8,000 I took out and. just spent on. no that's. wild is an addicting thing uh for some. people so was and I guess it just. wouldn't be surprising that this thing. that's ajacent to all that could be. considered addicting uh do you do this. anymore I I stopped about maybe 3 or 4. years ago was that hard it was a it was.

difficult did you like wake up one day. and you're like I don't want to be in a. stinky sticky Smoky area with. fake that have no emotional connection. to me now what uh made me quit was. uh we were doing a mission and I lost my. cat car during the transit it's your. little military ID okay so you need it. for everything sure so. basically since all my money was going. towards. I had lost that I had no money and no.

way to. eat so I just starred for like two weeks. and the starving was an Awakening to no. longer yeah it was a wake up call to. like hey maybe I shouldn't spend this. much money on going and maybe have some. cash is this Navy Federal right here is. that some of the is this leftover no I I. I paid all that debt off you did and. then you went into more debt so what the.

happened then so what even is this so. what is this because it's sitting near a. limit and you do not make insignificant. amount of money so Navy Federal. 7,929 uh. 23 what are we doing how'd you build. this all the way up $380 of purchases. even though there's. $15 you seven out of 10 you me with the. seven out of 10 yeah yeah yeah better.

cop laugh about that $105 of Interest. acre $380 of purchases but we only did. the minimum monthly payment and now. we're only a couple hundred a few. hundred away from the balance being at. the max for that one yes for this one no. the one I'm talking about so what the is. going on here why is this this high and. why are you spending money on it so I. don't really uh know what I purchased on. that what are you trying to do what are. you here for what do you want to do.

where do you want to get to you don't. even know where this what this does like. where your money comes from on this will. you spend like what are you trying what. what do we want to get out of this. conversation so. usually I take approach of just. stockpiling cash I really don't want to. pay back my Des stockpiling stockpiling. is you can't pay this off I know what. your savings are like you can't pay this. off stockpiling cash you brought in. $6,795 last month you spent $.

8562 stockpiling cash stockpiling cash. you spent you blow it out it's like the. never went away those ones are flying. but instead of ones now they're hundreds. now there's legitimate reasons for that. decrease so I was getting my house at. praise because I was going to get uh. like. $330,000 cash deposited and the credit. cards paid off from the equity on my. home no why. okay so it's was going to be like uh.

5.23% for I think 40 or $50,000 that. solve your issue though because you. already paid off the stripper debt now. you're right back up at the credit limit. and you can't stop spending $380 your. balance was from. $677 to $792 how is taking out any kind. of equity from your home and. transferring the debt to there going to. help here because you're just going to. spend all your way back into it as. you've already done again.

so how does this actually help so it. would get rid of the credit card debt. yeah no and then I would also have a. large pile of cash just in case so I. would cash why do you what okay just. make a big old pile of cash why do you. make $85,000 a year I'm impatient so we. take out leverage take out leverage. against a house that already has a. mortgage yeah and then the credit cards. go to zero and then right back up to. $7,500 properly cuz your behavior won't.

have changed by you doing that you just. moved the pile but most of the money. would have just sat in the savings. account what it of cuz you just spend. you again you spend more than you make. and then on here buddy it's 126 from. twitch oh and then another. $249 from twitch the are you doing on. Twitch this better not be to the virtual. versions of they're just twerking and. they have their live stream on their. because they have green screen booty. cheeks okay first off it's more. wholesome than that second off I'm a.

sigma male I can just go to a strip club. and get some booty that way so I don't. need only fans or it's not getting booty. it's looking a booty to be very clear. well you get to touch it you do yeah as. long as you don't put any fingers in any. holes where you bite them you can touch. them those are the two bite whole finger. yeah you can't lick them you can't bite. them you can't put fingers in holes good. [ __ ] stop being such a deviant what what. do you watch on Twitch because this so.

this only that so the twitch only was. three three separate incidents of $400. yep go ahead so what I would do there's. uh what's his name like pirate soft or. whatever anyway what it's a streamer. okay and I would just go on to YouTube. and just crash his UI with uh. donations is that a good thing or a bad. thing it's only happened three times cuz. he's getting money but it's crashing so. I don't is that a good thing or a bad. thing it's entertaining for me no is it.

good for him or bad for him I don't know. do you have no empathy I think I got. empathy your little cheeky little smile. it is. beyond interesting it's not the word I. wanted to say sexy absolutely not the. word I wanted to say which is why you. have to go to so the first instance was. you spent $400 to virtually have fun so. in total it's. 1500 over the course of when, 1500 over. when this month this previous statement. no out of 500 per month yeah per day.

then that didn't negate what I just said. so 1,500 this last month so 500 December. I think January February what does it do. it makes me feel good no what do it do. just explain it to me cuz I'm a little. stupid so so when there's a live stream. there memberships oh yeah you can donate. memberships to other people what I would. do would go on spend $500 and give like. two maybe 300 people memberships.

it immediately. leave okay I'm so. confused what what is that what's the. outcome of that it makes me feel good. what's the entertaining part of it oh is. like the gifting the gifting aspect of. it okay so you feel good. giving but you talked about this crash. thing so that's why I'm confused crash. thing yeah you said it like breaks his. oh yeah yeah yeah so it's so much so. fast it just breaks the YouTube UI.

uh-huh how long is he down the entire. stream yeah he can't. restart yeah I don't know I'm not R long. enough to see okay I don't get this why. is this worth literally taking buddy. you're taking Equity out of your home to. do twitch donations do you understand. that that's how this is working you know. how absolutely borderline aggressively. stupid that is. aggressively stupid why can I say you.

got to Y shut the up you're being a. little are you taking this seriously. what are we doing here you got to be a. little YOLO what the are we doing this. thing or not yes okay why are you being. a cheeky little I don't know so you do. this for. some interesting version of. entertainment not going to judge the. entertainment aspect of it cuz we all. have our own things like who the am I to. judge that but this is expensive man.

it's just going to debt it's like. someone going into $500 of debt for like. movie theater things and just getting. closer and closer to maxing out the card. and then having to take out home equity. wait is that on that's that's the credit. card with that yes the one document. we've talked about 24 minutes in so that. was a mistake I don't know what happened. I meant to do it out of my uh checking. but for whatever yeah that checking. account's by the. way but you're not a credit card person. if you're going to use a card use the. Fizz card cuz you do not know how to use. cards it's a charge card it's better and. it actually helps you build credit not.

yourself like you are right now Amazon. Chase Card how' you get into debt with. this let me guess Amazon yeah what are. you getting so I had purchased a bunch. of stuff when I first got the card bunch. of books bunch of uh computer parts do. you have that still yep can you sell it. yes will you sell it uh some of them I. will because I don't use them how much. value if you had to sell today uh so I. got a 6600 mother board some Ram oh you.

got the wham wham yeah I got the Wham. but um maybe 800 bucks with a computer. components I could sell it's not. insignificant we save that 800 for. later still purchases on here man it's. only 16 bucks and 111 but again we're. just barely making any progress I. mean the end you only made $20 of. progress even though you paid 112 to it. but because because your purchases and. $79 of Interest the balance is $375 629.

with the minimum monthly payment of. $16 why purchase man because again. whatever you're purchasing you're really. in a way with what your plan is taking. Equity out of your home in order to do. Amazon Prime. purchases taking Equity out of our home. for twitch donations and Amazon Prime. purchases that is a sentence that no one. should ever say so I think those are.

more impulsive and there more in the. past than what was recently with the. equity I think I've grown a little bit. from that recently in the past what do. you mean buddy this was the last. statement what the [ __ ] are you talking. about this is your last statement of. existence yeah so usually I uh Splurge. out of my checking instead of credits. credit cards but huh but it doesn't. matter this was your last month and. we've been through two credit cards. you're putting balances up one of the. balances increased one only made $20 to.

progress even though you put $120. towards it in terms of payments so what. the are you talking about Buddy not. going to let you just bull your way. around that and be like oh it's okay. it's okay because normally I don't. really do you're doing it right here. what am I supposed to go off other than. what's in front of me I think maybe been. making a few. mistakes. why let's get to the bottom if it buy. you're how are you going to change. anything probably impulsive.

but if I were to uh pay off the credit. cards my biggest concern would be it. would damage my uh credit. score this so can I just record a clip. and just place it in this. moment how many times do I have to this. is I'm I'm bored of that conversation. but that's. okay you said the meme you said the meme. didn't you. okay what's your credit score like 700. uh do you have a can you show me that on.

any app yeah I think I can okay let's. see oh I powered off my phone you power. it. on okay now you already have a mortgage. so what kind of debt are you trying to. take out in the. future on the house any debt so I can't. take out any more debt because I've. reached my maximum credit limit so. basically I can't borrow any money any. do you care about having a credit score. continue to go up you already have why.

most people try to have a score up oh so. you're trying to buy multiple B multiple. more houses which I don't think is your. plan unless I'm not aware of something. so tell me the consequence of this might. be your credit score takes a hit because. your credit age goes. down what does that actually affect for. you I feel like my uh safety net would. be credit cards but I'm starting that. doesn't make sense why don't you use.

some of your $85,000 a year and have a. emergency fund well I do have one well. not a fully funded one you have a couple. thousand bucks it was at 5,000 but some. stuff happened and went down to two Okay. yeah not an emergency fund buds so. you're going to rely on credit for. emergencies so I've gotten away from. relying on credit so much for. emergencies now it's going to the uh. savings accounts uh-huh and even if your. credit score remained High What. emergencies could you put on these.

credit cards since they're basically all. maxed out anyway yeah I kind of see the. point there okay so why that's do I care. about your credit score going down if. you can't manage credit card debt isn't. it more beneficial to your life in. general to not have the ability to go. into credit card debt because this is. hurting you more than it's helping. you whatever positive benefits of having. good credit are in your situation are. completely neg by you're just yourself.

constantly you're shaking again are you. okay I'm. nervous okay that's okay that's that's. normal usually people like start nervous. and then they get a little more. comfortable but you're like falling back. into the nerves I think it's just a. phase. okay you. like I don't know you served overseas. man I did not you oh I thought you said. you went on a mission oh so when. president Trump ordered federal troops.

to um reinforce a border that's where I. went but I think the two weeks to start. that was just regular training I think. maybe Bliss or NTC I don't remember can. I see your. credit I'll give you one chance to redo. your financial score if you'd like to. now that we've been through two cards. and realize how absolutely stupid you've. been with money and how stupid your. position is would you like to revise. your score.

at least make me hope you're learning. something I. think I think it's maybe a five or maybe. tell me let me see or maybe a six. because I did start trying to fix some. of the behaviors in the past yeah but. are they there yet are they in starting. and that doesn't what do you mean by. start buddy if it's I've been dieting. for 2 weeks that doesn't mean I can say. that I'm successfully dieting I think. you are no why for 2 weeks yeah you look.

pretty good you don't know what I. normally look like what are you talking. about the camera. doesn't well I don't know who who who. knows what I look like in person versus. on camera I guess you could say but I. like them. thick by the way guys we recently. launched two new shows that I think. you're going to love first is your week. in money during the show I break down. major economic business and financial.

news that happened this past week and. then give my own personal weird and. hopefully humorous take on them in the. second is our financial audit follow-up. Channel they're just quick casual. conversations with people who have been. on the show seeing where they're at and. what we can do to make sure they get to. a better place we aim to have those. episodes posted most Thursdays of each. week and for your week in money right. now they're being uploaded every. Saturday morning for you make sure to. check out those channels Linked In the. description below can we talk about your. little joking. cuz I'll be honest it's going to piss.

people in the audience off I know the. audience pretty well I don't want them. to come after you by the way you should. be nice um only I have permission to be. a. little but like can we talk about it. like is this is this your natural coping. through tough situations is to make like. silly little jokes and pretend like oh. this doesn't impact me that much has. that been pretty throughout your. life so I think it's probably a.

combination of being camera shy. and kind of have to force myself to come. to reality with these issues okay it's. really all I care about in the end is if. you're actually um taking things to. heart and you can make positive progress. I know sometimes in the moment for me. I'll use myself as an example I try to. be an open-minded person but even when. it comes to being confronted with things. I can be defensive in the the moment one. thing I at least try to pride myself on.

is I'm pretty okay at going back and. reflecting you know in Solace afterwards. and if you're defensive in this moment. okay natural human instinct sure but as. long as you're walking away and you. actually get something from this that's. what matters and yeah it's $6.95. mortgage is carrying a lot of weight. credit card usage is 91%. though so I I do think I've improved. over the last 18 months because before.

were you before well I didn't have any. excess cash no savings no Investments. nothing okay I was spending everything. but now I got a little bit of cushion so. yeah you're spending everything on right. yeah where were there I stopped I I got. better okay yeah yeah yeah now just. fantasize about it but a good joke again. I'm I'm starting to slowly improve which. is good I'm not stagnant I'm not getting. worse I'm getting a little bit better.

but it takes did we not just go over the. fact that you spent almost $2,000 more. than you brought in. though in the most recent month yeah. that was for and that's considered. better the house repairs for $1,000 450. you took on that responsibility by being. a homeowner yeah 450 was for the. appraisal then I think 2 or 3,000 was. for vehicle repairs vehicle repairs for. the thing we're about to go into oh that. is next on our list cuz this thing. is stupid this is beyond stupid you're.

going to have an in I know like. legitimately because a 2018 Dodge. Durango what is the bounce what's Ed on. this I think 35,000 kill me now okay. buddy imagine if you didn't get anything. off from for the injuries well the home. was an Impulse buy yeah okay 30 you said. 34,000 about 35,000. uh. 33,00.

677 and the interest rate's 11% which is. just again gross so when I was going. through that phas I had decided on. impulse real men do this decided that I. wanted a sports car so I went out. purchased a. 20 19 or 2018. BRZ just out of nowhere sure. and then that I got into a wreck while I.

was closing on the house and I had a. choice fix the vehicle or go through. with purchasing the house and I said. purchase the house so I had to get. another vehicle what so I had to carry. over $111,000 negative equity to that. vehicle and that was the only insane at. 11% with. $884 N4 minimum monthly payment that's. ridiculous for a Dodge Durango which by. the way is only worth and we checked.

$1,760 you owe $ 33,6 77 on it yeah so. when I bought it that was the only. vehicle that would hold that amount of. negative equity on it so it's my only. choice buy the house or fix the car why. you if you if that doesn't sound like. you're in a position to buy a house at. that time yet then sounds like you. rushed into it and you made a potential. irresponsible purchase not that not that. I don't want you to get house so so it. was impulsive because the apartment a. different show so anyway I was living in. an apartment and some Germans moved in. they brought bed bucks so I didn't have.

any furniture I was sleeping on the. floor and they were just crawling on me. I was sick and tired of it okay so I. decided I'm going to buy a house yeah I. don't think buy house is the only. option but I get what you're saying it. was impulsive yes yes yes yes there it. is. again lend key what is this for that's. student loan so when I got out I went to. college what about the VA benefits this. was before I got them you rushed into it. before you got them what do you mean who.

who who what's it called what do you get. for serving in the military what's it. called again GI Bill yeah what about the. GI bill so that money I pocketed to help. pay for the living. expenses while I was going to college. what' you even study you're a security. guard uh I quit going to college I I'm. done how long did you go to college. about two years what' you study business. administration. I don't know what you took out. originally but right now it was 5500 so.

it's only got so it's gone up yeah oh. because oh my God if there's a $25. minimum monthly payment that's not going. to make progress but you think you're in. a position to buy a home what does that. make sense doesn't make sense how does. that make sense it doesn't make sense. $677 7.90 is what you. owe and this is at a. 10.39% student loan that's wild and the. minimum mty payment is $25 which is. that's that's ridiculous that's.

ridiculous that's ridiculous it's a it's. a 12year loan it's a 12E. loan but you thought you were in a. position to get a $900 car payment and a. home uh make that math add up for me. real quick cuz that doesn't make sense. so at the time the home and the car was. more of a dilemma at at the. time even though it was pretty stupid. and you were pocketing the GI Bill no no.

no no they don't they give me like. $1,500 for housing allowance yeah yeah. yeah yeah okay so utilities all that's. not included so I need a little cash to. establish myself on the for two years of. college. yeah man just like anyone else who comes. on this show I'm happy to utilize my. resources and gift you a tech. certification through course careers but. again you dropped out of college I I. don't know what you want to.

do this is a know that minimum monthly. payment also you wait but the car loan. was aggressively stupid as you're as. like the value of it is like what 30% of. the loan and you said it you had to put. $2,000 into it this last month yeah just. basic maintenance $2,000 of basic. maintenance yeah so from the subar rubr. RC I neglected the maintenance on this. this this vehicle I am on top of the. maintenance so I don't wa so you can get.

rid of one I had to trade the BRZ and. get rid of it completely oh that's what. I thought you said okay but you made it. sound like you still had it for a second. no so it got total and the maintenance. were neglected which cost like $8 or. $9,000 to get it fixed so it got totaled. it got total uh through what uh I got. rear ended insurance so I didn't change. the oil frequently didn't do maintenance. so when it got total the engine just. felt disrupted after got out of the shop. did you.

try to any kind of insurance no the. insurance it happened after a wreck so. the wreck was mostly cosmetic on the. rear of the vehicle the damages were. like the engine block and I get it but. it was right after the it was at the. accident though right no it happened. after I got the vehicle back for the. mechanics. oh you talk what did you talk to the. mechanics about I said H basically you. didn't do maintenance and you destroyed. your vehicle but I'm on point with the m.

why didn't you just change the oil like. an. adult sometimes you forget like yeah. I'll do it tomorrow but that's a lot of. tomorrows but with the to get to that. state that's a lot of tomorrows yeah but. with the Dodge dur Rango it's like I'm. On Top no that's a lot of tomorrows you. just dodge past that that's just that's. just a Beyond sign of irresponsibility. like yes I get it I've delayed oil. changes when I had a car with a motor. engine think goodness I don't anymore. that was a lot of work.

but I just did it I put it off for a few. days put it off for a few weeks then I. just went and took 30 minutes to get my. a change. like I don't know that just kind of. speaks to your character a bit of your. responsibility which is another reason. why I don't think just wiping your debt. while transfer in it through taking out. Equity from your home is going to be. what actually fixes your position so. with the Dodge Durango I'm on point with. the maintenance I don't neglect the. maintenance anywhere because I learned. my lesson from the BRZ so what cost.

$2,000 so the brakes the tires oh new. tires and inspections sure sure tires. were like $500 a single one we'll help. you learn how to budget all that going. through our budgeting educational. program that's really important too. because you really got to map that sh. out so we're going to put you through. that and I I really want you to go. through that this is the mortgage and. obviously the balance and the interest. rate on this is absolutely. fantastic you had it appraised have you. gotten your appraisal back.

$100,000 so after any kind of closing. costs what are you hoping to walk away. with so it came under the loan didn't go. through which was like I think $40,000. short so on the apprais so the whole. plan that you were talking about isn't. even a possibility even yeah what the. are we talk what what was half of this. conversation then so I explained to you. why the money went down in my savings. account yeah that's.

right that's wild D that was the purpose. of me taking my money out of the savings. account to pay for when did you buy this. house I think uh 22 23 yeah no. 22 and four years later you already. wanted to take did you put any work into. the house yes I put it that how much a. thousand yeah okay okay so okay so you. didn't put any work in the house $1,000. worth of. materials okay.

great so I fixed the leaking roof the. fire damage on the exterior of the house. the second one could have helped a. little yeah and the sidewalk redid the. sidewalk put some rebar in it I'm glad. the equity's gone up cuz some places. from 2022 to now it's actually been down. like in Austin. so good job on that one but yeah I think. you're a bit optimistic and plus again I. don't think that would have fixed your. actual situation well I didn't so I was.

under the impression that it was going. to come in around. 165,000 so just to make sure I pulled. out $1,000 and fixed all these issues. with the property mhm but it came out. at$ 100,000 I know how' you how' you. how' you come AC I want to get to. where you ended there as your solution. what got you there in the first place. with the mortgage yeah so taking some. cash out I kept getting these. um solicitations or mails hey you can.

get 40,000 or 50,000 but the interest. rate was way too high it was like 8%. yeah but then when I got the one that. say like 5.2% I like okay that's. reasonable because my portfolio is doing. an average of like. 133% yeah well what do you mean doing an. average how long have you had it. invested like S&P 500 is an average. 10% currently right now it's like 22%. average well that's not average it's. probably just like in the couple years.

you've had it done really well that's. not I don't think we can take so my my. portfolio is under perform the S&P is at. like 17% no what what are you talking. about so the S&P is at. 22% my oh you don't mean on average. though you mean in terms of just what. it's done over the last year but not on. average over the course of decades and. decades all down years and up years. combined yes okay well that doesn't. matter then when when do you plan to. access retirement maybe.

2060 okay so yeah that does not. matter okay 2,000 bucks sitting in our. savings there down from 3,000 it's down. from 5,000 great $1,000 for repair 2,000. for maintenance wonderful $974 is H in. our checking account now this is. absolutely insane this is stupid beyond. belief.

what color would you like pink okay no I. want purple okay give me both I'm going. to give you purple you're I know you're. a silly little boy you like being silly. it's. okay you were a Class Clown weren't you. no I was not I was very shy and in. military clown no I kind of evolved in. this form after the military yeah okay. put a little dot next to everything that.

is a bad purchase That is bull that is. not helping you in any way whatsoever. anything that is [ __ ] anything that. is unnecessary to living anything that. is putting you into a bad position. [Music]. God. damn continue to the next page let's do.

one more. page are we learning. something I think. so so what are you thinking of this cuz. this is obviously this is like you. literally not paying off your debt this. is you going and rounds that are paying. off your debt and you're able to. recognize that cuz you're putting the. lines next to it this is you being.

willing to take the. limited Equity out of your home that you. would have been back to zero in order to. finance. this this this bull this. Insanity what are you. thinking this is a lot of unnecessary. transactions suspending of a child you. ever budgeted in your life no except. when it came. to I don't think you did cuz you went. into debt buddy well I made sure I go I.

go at least twice a. week okay that's. enough the purple lines just look at. this you kidding me you don't even. deserve this give me that this is. ridiculous why is. this why is that easier to see right. here this is just one page everything. highlighted. why is this more important to the future.

of your. life than anything else. apparently why is this. everything so right off the bat I. noticed that most of its food so yeah. like 90% of it food it's your new. version of it's just shov and down your. throat yeah go inside a gas station get. into B go inside a gas station get into. some bull Uber Uber going to gas station.

getting some [ __ ] Amazon. Uber uh these are more YouTube donations. YouTube donations YouTube donations. crunchy roll going inside a gas station. getting some [ __ ] taido what is it. um a Company Kitchen which is like a. upale vending service right it's your. work yeah okay great so like a vending. machine essentially food energy drinks. great so I'm going to call it a vending. machine vending machine going to the gas. station getting Uber Steam games Steam. games vending machine vending machine.

Uber going to gas station getting some. [ __ ] vending machine vending machine. vending machine vending machine vending. machine another YouTube thing vending. machine Uber going to gas station. getting some [ __ ] Uber Uber what. were you doing at lose were these the. repairs for the homes okay cuz that was. $200 $. 2504 and then. $54 quora what are you paying for quora. I don't remember great cuzz that's what. we do and we're at our credit card.

limits right and we have a car that is. only. 30% value of the. debt going to the gas station getting. some B Uber Uber more Low's oh we're. back. baby and you you you hauled that voice. mod I don't know what that is how do you. not know what anything is what's the. point of any of this what are the. purchases if you don't know what they. are so the voice mod don't know what it. is U-Haul how to transport all the. material gas station get into bull we.

pay for grammarly what you can't spell I. can't spell but at least I don't pay for. it Discord you pay for your oh yeah oh. okay that wasn't the oh sorry sorry the. next line item was what came in uh from. the VA of 3,870 I thought I thought that. was the Discord thing but it was $100. the Discord Uber Eats vending machine. vending machine Uber Uber. vending machine vending machine vending. machine vending machine you're addicted. can you not stop swiping dude you're.

just getting that glugging all day. instead of actually you this is the this. is okay I'm I have something to say. vending machine. twitch more twitch Steam games Uber. Amazon Uber going to gas station getting. some bull going to gas station getting. some bull going to gas station getting. going gas station get some [ __ ]. Uber you know how many pages this is. this is this is the most ridiculous. spending statement on a checking account.

ever ever you're not disciplined you. don't know what you're doing why are you. smirking at. me yall got to use my favorite high. yield savings account where you can get. up to 4.6% on your money plus FDIC. Insurance up to $2 million you can also. get up to $300 for signing up today it's. the personal high yield savings account. that I use for my money so don't let. your money be losing money while it's. just sitting there click in the link in. the description below and get those. bonuses how is this not like life. altering to you this is insane this is.

insane yeah how does this mean nothing. to you and you're just sitting over. there smirking it's going to piss me. off. Uber more YouTube vending machine. vending machine vending machine pays for. some mobile games and more YouTube. vending machine and vending machine and. vending machine and vending machine oh. we're back Tech Tree a mobile game v.

machine an AI assistant Eve Claud what. AI assistant are you paying for oh yeah. so there's another AI model that's. supered to CH what's Eve online 20 bucks. oh that's I think that's like a. subscription to Eve online what's Eve. online it's like this 20-year-old MMO. RPG no don't encourage him don't laugh. at his things. okay and then you pay for an AI.

assistant yeah for what what the are you. doing what do you need assistant on I. like to write in my free. time then why don't you write if you if. you like to write why you need an. assistant well I don't have to edit it I. just write it up throw it through the AI. it spits it out no editing involved. Amazon Uber Uber going to gas station G. more of the TCH tree game going to gas. station getting some bull Precision Lawn. you can't mow you sering in the military.

but you can't mow your lawn if you're in. death if you're in debt okay is this oh. mobile games mobile games mobile games. mobile games mobile games mobile games. mobile games mobile games mobile games. what the you doing buddy you're getting. tokens and gems and [ __ ] every. second of your life then you're getting. food and so you can play gems so you can. get on Discord and all this what do you. do on a day-to-day basis what do you do. for fun do you go do things so what I. normally do I go to bed I wake up go to.

work go to bed wake up go to work no. there's a lot of spending in between. there so what the you talking about so. on my days off when there's like buddy. apparently every day of the month is. your days. off if what you're about to say is I. only spend on my days off there's a. spike in the spending on my days off you. this buddy you have a spike every day. what are you you're bullshitting. yourself you're bull okay like like I I. get you're doing the cope thing you're. doing the cope thing and again people.

out there are going to be pissed they're. going to think you're being fake but I. know you're not because we've been. through the whole pre-c conversation I. know what you want I know you want to. get help I know and then you're camera. shy and it happens but with the with the. smirks with I mean the stupid statements. like that you have no idea how much. you're making me just want to give. up like I don't even want to finish the. next few statements and I've barely even. gotten through it the spending because. you spend every second of your. life this is a joke and you're acting. like you're taking it like a.

joke. yeah what do I do with this what do I do. what do you want me to do with. that I'm kind of understanding that. there's some behavioral issues that. really need to be uh worked on. immediately are you coping for things in. your spending cuz again it's it's like. you're you're spending screams instant. dopamine rewards to me like you just.

need this like just yeah let's go let's. spend it's like the again you the games. and everything I'm not even going to go. through look look I'm not going to even. spend more time going through it this. was the there's I only went through half. of this page then there's a whole other. page it says going out to eat it's. vending machines it's stopping in a gas. station getting to and mobile game. spending it's so beyond stupid it's. like 100 just on this last page um to.

the mobile game purchase. $119 in one. go and $48 in another go you're spending. hundreds on mobile games what even are. they what are you getting out of. them sometimes I might come across a. pretty good mobile game and I just. splurge on it good mob what do you do in. the games what are the benefits you're. receiving for this it makes me feel good. that's not what the are you what are you. what you spend money what do you get in.

the. game I think like coins or whatever oh. good Tu buddy also Tu buddy and SEO. service I don't know what that is you. don't know what you you don't you spend. so much money you don't even know what. you're getting and the to to to to you. spent $2,000 more than you bring in and. to possibly suggest that you are making. progress or you're doing better either. means you were in the deepest disaster. ever for or you're just lying and don't. know what you're talking.

about which one is. it I think I'm progressing better but. this progress is way way slower you saw. your statement you marked lines was. there any necessary purchases in there. five the entire month and then hundreds. of nothing of [ __ ] improving your. life in no way whatsoever imagine all. that money that it could have gone. towards debt over $1,000 on Uber that. could have gone towards debt and I know. there public transportation it's not. fantastic but what you could have if you. needed to if you wanted to if you had. any effort to change things yeah the.

savings went down already know that what. I am happy to see. is 4,000 in retirement do you have any. uh right no it's like 5200 now well. again buddy I only have the statement. you send me like how the did I know that. you like look at me like I should read. like I know what's in your account today. I I'm going off the statement you sent. me you're like what is this guy talking. about. reading the number of the document that. I gave. them it's investing in just like overall.

Market things so I'm not surprised that. the results you're talking about it's. not like it's not any crazy. thing and you were going to take Equity. out of your home for mobile game. purchases probably Uber huh probably. Uber. okay I'll be honest he's upsetting me do. I have to continue. what are you doing so a friend of a.

friend I paid $300. for his number and his spouse number. just to troll so like 2 o'clock in the. morning I call him hello this is uh Mark. with uh Ford auto I'm here to talk about. your cost extended warranty and I'll. just do it for. fun Hans Kim would be very upset at you. who's that. 99.7% of your.

spending went to that net 10% went to. housing 1% to went to. phone Transportation. $2,667 that's insane beyond. belief $831 went going out to eat so. that's more than went to your debt net. you could have doubled what you put to. your debt instead of going out to eat. yeah in fact I don't think you went to. the grocery. store yeah I don't think I've been to a.

grocery store in like eight months okay. you're you're you're smiling at that. I'm I think that's it I think that's it. I let's just go I I think I just want to. go into the post show and I think I want. to call that an episode cuz that's. that's stupid you're pissing me off you. were like proud of that you were like. proud of that that is the that what the. are you that is so stupid. yeah okay.

great subscriptions. 220 just bull gems all that. $1,446 $840 went to large purchases in. reality reality other than the mortgage. this debt could be paid off in the. matter of like a year if you really. wanted to if you budgeted if you did. anything and that's what I would say and. that's what I'm saying now if we just. look at these spending Cate ateg ories. it's absolutely ridiculous just be. mature allocate them $300 a month for.

groceries be an adult for the first time. in your life and don't around like you. are with this conversation so stupid so. I'm done we're going to do a post show. for the members because they fund the. company but I'm done let's go today on. the financial audit post show that seems. insane why does you just go get laid. dude well because I that's essentially. just like. 3D but you can touch it smell it to.

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