He’s Over-Drafting In Order To Buy Fast Food | Financial Audit

Hi, my name is Caleb with a K. I'm 21. years old and based out of San Marcos, Texas and this is financial audit. Dude, you're young. Okay. Well, we had a big. delay for recording this episode, so. we've been hanging out for like an hour. now and you were a lot younger than I. thought cuz you're a manager, so this is. okay, interesting. Well, thanks for. coming on over. What do you do for a. living? Uh I am a manager for. Whataburger, like you just said. I'm a. manager at. Five out of 10 burgers. Hmm? What? What. did you say?

Five out of 10 burgers. You Okay. Okay. I'm not going Go on. I'm not going to get into that, but. yeah. I'm a manager at Whataburger in. Seguin. Uh that's what I do. I work like 60. hours a week almost. Jeez, dude. Yeah. Yeah, it's like well, recently. it's recently it's been more like 60, but you know, typically it's just like a. 50 to 55 hours a week. Oh, yeah, you know, just just 55. So, what is this the Okay, manager position. like what's your title? Is it like. uh general manager like assistant.

manager? What are we looking at? No. Is. it just manager? Manager. Is that what they have there? Is it just manager manager manager. manager? Basically. It's it's it's like. you start as a team member, start as team member, you go team. leader, and then manager, and then OP, which is operating partner. Oh. And that operating partner is the. general manager. Like franchise owners? Well, Or there are both of them? Well, franchise owners are different from like. operating partners. It's like if you're. a franchise owner, then you're basically. the operating partner of your own. business. Yeah, that makes sense. Yeah. What's your What do you How much do you.

make? Uh 18.35 an hour. Why did I think managers would make a. little more? Hmm, I wonder if that's more in Austin. Is it? Do you think? I believe so. I. think I think units in Lake Lakeway, I. think is where it is. I think units in. Lakeway start off at like 20 something. for managers. Yeah. Yeah, but they're. but they're I think also doing a 40-hour. work week that Whataburger is. experimenting with. Do you get overtime? Yeah. What is your overtime? Like 27.30.

Oh, that's pretty sick. And you get like. 20 hours of overtime? Yeah. Roughly like 10 to 15 a week. 10 15 20. on the busier weeks whenever business. needs it. So, what do you like bring in. on average on a weekly basis? What is. your count? Um anywhere from 860 to. 1,000 depending on Wait, I'm sorry. In. what period? Weekly. Weekly? Okay. 860 to 1,000, so about like 925. Yeah, roughly. Like today I got paid I think. it was like 960. Very nice. Yeah, cuz I.

did 57. It's almost $50,000 a year post-tax and. whatever else. Post-tax and then I get monthly bonuses. at the end of every month. On top of. that? Mhm. How much? Uh any Well, the past 2 months have been. $1,300 bonuses. Damn. What What is it. normally like? Uh It's a lot cuz it's a. high percentage of compared to Yeah. Yeah, the bonus payout recently has been. like 121% of what it should be, which is. great cuz everybody's been performing. well. But what's it called?

Um. I'd say whenever I first started our. bonuses were like 890 950 somewhere. around there. Still good though cuz you're walking. away with $4,000 a month Yeah. on. average. Some months are longer, some. months are shorter, but $4,000 a month. on average. That 1,300 in bonuses that. pre-tax post-tax? Uh post. Wow. Yeah. Wow. So, let's just say just to be a. little more conservative say $5,000 a. month, yeah? Mhm. Hits your account.

Yeah, roughly. Just in case bonuses come down a bit, but even still I mean probably 5,200, but Yeah. Wow. Okay, how do you feel. living $5,000? I feel pretty good. I just don't have a. lot of extra cuz I make dumb choices. Well, $60,000 a year post-taxes that's. actually a pretty damn. lovely for just a single income. Yeah. Cuz I think median household income in. the United States is somewhere like. $65,000. Median household income in uh. Austin's like $75,000 and before taxes. you're like what? $75,000 almost. So,

it's yeah. No, you're doing you're doing quite. well. I'm glad they have the bonuses. That makes sense. The the lower hourly. rate makes more sense now that they're. performance incentives and I'm a big. proponent of performance incentives. Oh, yeah. And um they clearly reward you. well for that, so that's good. Now, I. know um why don't you just give us. cuz. that's exciting. Yes. We're at an. exciting part. Mhm. And that's lovely. But I know we're about to go into the. stupid part. Yeah. The bad debt. Stupid death. Yeah.

What's your financial situation? What's. up? Why are you here? It isn't like. horrible. I just find myself not having. a whole lot of extra after I pay my. bills because I just. make a lot of dumb decisions and a lot. of that. Well, why? Like most of it's coping. Um Coping what? Uh a lot of stuff. I. don't really want to get into that, but. Okay. Yeah, it's like I'm I'm dealing. with a lot of stuff personally. Yeah. I'm having to try and get through that,

but dealing with that. Well, definitely. don't give us specifics and only share. what you want to share, but just so we. can figure out like what kind of road. we're going down. Is this like past. trauma? Is this like mental health? More. just in life relationships? A little bit of everything kind of not. as much like past trauma, but it's it's. really like a lot of mental health. stuff, yeah. Sure. Okay, so definitely. looking at some potential therapy. Are. you in therapy? Um I've been looking. into it again. I was I was in what's it. called? I was using BetterHelp I think. last year.

for about a couple months. I've heard interesting things about. them, but. Yeah. I mean, it was great. You had a. good experience? Mhm. Okay. And then my. uh They've offered to be a sponsor a. couple times, but cuz I've heard mixed. reviews on it I haven't taken them yet, but Yeah. I mean, I. what's it called? I heard them first off. the podcast. So, with. hearing that and I was also going. through a hard time at that point. I. decided to give it a shot. Um because I. was doing better, I didn't think I. needed it anymore cuz I was fine. Yeah,

that's not how therapy works. Yeah. Yeah. No, it's just that going to. think but I mean you don't need to go. like every week at some point. Like you. can you know, you have that conversation. with your therapist and you know, maybe. you can go every other week, maybe even. once a month. It just really depends on. the relationship with them and then. what's best for you and then determining. that between you and your care provider. So, so lots of coping things. Lots of. spending money and it leaves you with. very little money cuz yeah, it left you. with very little money, but there's also. debts. And you owe There's like there's.

a car I cuz I don't have the statements. for the debts. So, you have a car debt, correct? Yeah, just it's just the car and the. credit card. I think it's my only two. debts. Did you owe someone money? Hmm. In your email like we had something. like Oh, yeah. Yeah, it was from stuff. from like high school that I still. haven't paid back for. Yeah. Oh well, you're 21, so that's. actually pretty recent in my mind cuz. I'm like so far from high school. It was like it was like three or four. years ago. I graduated whenever I was.

like 18. So, this car what's the car? Uh. it's a 2018 Nissan Altima. Okay. That's. I don't know if that year falls into it. People will definitely say so in the. comment section, but I know Nissan. Altimas especially in that mid-2000s. range are known for having transmissions. that just about um. I mean, it's a CVT. A CVT in general is. just going to either way. That means. nothing to me, but Well, the type of. transmission it is it's called which.

Okay. Yeah. If it was if it was a. regular automatic transmission it would. have been fine, but no. Everybody wants. to go CVT cuz it shifts smoother. You. don't want that. Well, on this. transmission what do you owe? Um I. actually just did a payment today cuz. it's every other Thursday. Two times a month? Why is it two times a. month? Because it was a Texas Auto. Center. It's I. don't know. That's how It makes it look. more affordable for you? Mhm. Okay, what is it every other? Um 286.

286 every other? Mhm. Yeah. 572 a month? Yeah. At least you're making an okay money. now. Where were you Where you How long. have you been making this money? What. were you making when you got this car? Uh the same amount. Okay, and what's the total owed? I think. Hold on, let me actually check that. right quick. I'm pretty sure it's like. 21,000. I just got it back in May. Dude.

You just spoke about the transmissions. understanding them. Why'd you go and get. this car? Because I didn't think about it till. after I got it. Yeah. Yeah. And it's been fine so far. I know it. probably wasn't the smartest idea. You. weren't thinking about it until after. you bought it. Something you should. think about right now is hitting that. subscribe button cuz we're trying to get. to 750,000 subscribers. Thank you to. everyone who has subscribed so far. Love. you all. What's the interest rate on. this on this thing, dude? Yeah. It's uh.

It's 18.9. Why? Why'd you do this? Because Why. possibly? Why possibly does this exist? Yeah, because well, one the car I had. before absolutely I still have. this car. You still have it? It's a 90. It doesn't drive. It doesn't drive. It's. a It's a Well, it doesn't drive. You. almost just killed me. Yeah. Yeah, it's. a '96 Saturn with like 150,000 miles on. it. Okay. Yeah, and it doesn't drive. anymore and I needed something reliable. to get me from work and back. Yeah, but.

you got something that's like. by your own definition with the. transmission like less on the side of. reliable. Yeah. It'll get you there for. a bit. I had a Nissan Altima 2013 mind. you, so. uh and that transmission took a So, like. 50,000 miles. Yeah, it's like early. what's it called? That was like early. 2010s. Yeah, early 2010 Nissans are not. very good. Yeah. Yeah, they're even worse, but. 2018s have. have been somewhat better I think Have. they? Good. Well, you owe $21,000 on an 18% What.

happens if the transmission dies? If it. dies, I have a a family friend mechanic. I have a family friend mechanic. How are you going to pay for it? How am. I going to pay for it? Mhm. Try and get myself an emergency fund as. soon as possible. not an answer. That's like how would you pay for it. now? Um How are you going to get an. emergency fund when. That's That's a good point. That's a. good point. Okay. So, you have that. What was this other. debt you said you had? Just the credit. card. This credit card? Yeah.

But, it's not a debt. You paid it off. every month, don't you? I mean. This one? It's not fully. Like it it's really weird because it's. like it's never fully paid off. Like I never really like pay it off. the payments necessary to avoid. interest. You haven't paid interest at. all. Yeah. Like that's it's been that. way since I got it. So, I mean I guess. you would qualify that as like paying it. off, but I just. had a previous balance of 360 and then. you paid 651 towards it. Mhm. Paying. towards your current balance. So, I. think you're just kind of always ahead. of the bill, which is good. Technically,

it makes you a credit card person. I'm a. little concerned with it Yeah, the. reason why the reason why the reason why. I don't think it makes me a credit card. person is because I always spend more. than I put on it. Well, then you. shouldn't do it. That's why you get get. a card that acts like a If you want the. credit building benefits of a credit. card, get a card like the Fizz card, dude, where when you spend on it, it's a. credit card, but it it is immediately. paid off from your checking account. It's a debit card. So, it acts like a. debit card. Really helps. uh you actually stick to budget within,

you know, your checking account, especially if you're doing like kind of. like a digital envelope system, but. maybe you're not. I mean, the way you. spoke about it and I mean, this next. sheet of just. pink lines of death. Yeah. Stupid. And then what do you owe your friend? Do. you actually owe your friend? Is this. like a real thing? Um. Well, he gave me an Xbox and a monitor. It was like 200 bucks for both of them. Do you actually owe that? Is it something he's like Like he's he's. mentioned to me to me a couple times,

but it was only a couple months ago. That was the last time he mentioned it. A couple months ago is pretty recent. Mhm. So, he actually wants it. But like. he doesn't mention it like every other. week or something like that. wants it. I'm just trying to determine. how real this is. Yeah. Real. Yeah. He was my old roommate. You know with your income, you should. have been able to pay you should be able. to pay that anytime you want. Yeah. Yeah. 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. That's why I'm here. Getting better habits. Any other debts? That's it. Okay. Well, that's not bad, dude. Yeah. Well, I mean no, the car is death. Absolute death. Insanity. Stupid. Doesn't make sense. Yeah. But, actually I'm. I'll be honest. I'm even a little more disappointed in. you. The fact that you don't have death debts. except for that one car thing. You just. have You essentially have a debt. Cuz.

the $200 should be able to be paid in a. second. Uh and you don't have a fully funded. emergency fund. That makes me even more disappointed. that you wouldn't have that. I I you. know, it kind of makes sense when. somebody doesn't have a fully funded. emergency fund when they're they have. like a billion trillion dollars in. credit card debt. But, you're just. blowing money on stupid. we get into like your spending and. stuff, why don't you have an emergency fund? You've come in here. You've talked about. it. Like you clearly know that it exists. that you should have it. You're like, "Well, my future plan is I have an. emergency fund.".

Why don't you just have one? Because I. didn't know something like that was like. a thing until I started watching your. videos. Which was? Like a few weeks ago. Okay. Yeah. I've been extremely. financially illiterate for Oh, that's. okay. for the entirety of my adult life. Yeah, that Welcome to the United States. of America, where people aren't not. financially literate. That is just. baked into our culture. Even the places. in the rare places that do have. financial education within schools, people still walk away from it like. nothing. Yeah. But, you spent $785 here.

Uh. But, again you pay it off. But, that's. not necessarily a bad thing. I I would. rather have that go towards the car. Pay. off the car early. But, one thing you should not do. $785. when you don't have an emergency fund. Yeah. and you're spending $785 of bull. Mhm. And dude, for someone that works at. Whataburger, you have an absolute. obsession. with Jack in the Box. Obsession. Yeah. That's That's been a recent thing. It it.

it hasn't been. Why? Because I don't know. up a. Like Like I know I can. Make a make an accidental burger. Like, "Oop, we made one too many burgers. Oh, no." Um being a manager, you know, you. can get free meals whenever you leave. And it's like I know I can do that and. then I'll just dump. what the done cuz that's stupid. it is stupid. I know. Just do it. If you. know If you know you didn't do that one. day, the next day, just do it. Mhm. Why? Cuz this is every day. Yeah. And.

yes, you go and get gas sometimes, but. then you go and constantly and you get. endless amount of taquitos or whatever. you're getting from the 7-Eleven bar. So, Jack in the Box taquitos, Jack in. the Box Amazon, Jack in the Box, Jack in. the Box, Jack in the Box, DoorDash, and. I bet your DoorDash is some Jack in the. Box and Jack in the Box and. Raising Cane's and Microsoft whatever. and Amazon and Amazon, Amazon and you're. getting some taquitos and Applebee's and. Amazon or Microsoft and Amazon, Uber. tripping, Uber tripping. You have a car. you spend a lot of money on it. Why are. you Uber tripping? I was Uber tripping. because the car was in the shop at the.

time cuz I was getting its AC fixed. Whenever I got it, the AC did not work. properly. It was free. It was a free. repair. Dude, you just spent an endless. amount on stuff that is just nothing, which is. something that doesn't even exist today. Yeah. Yeah, there's like 1 2 3 4 5 6 purchases. on here that aren't incredibly stupid. where the rest are just incredibly. stupid. Yeah. Like 20 that are down like.

almost almost every single day. Yeah. Before Before I sent this in, I was like. Yeah, I needed to quit. I really need to. quit. So, I've I've cut back already. But, I'm still not making the best. decisions cuz I'm still going to get it. every now and then. Why? If you've seen. the videos and you know how bad it is. not to have an emergency fund. Not to. mention the 18% death car. Why? Why have. you not been like scared to the point. where. you just fixed it.

I don't have a clear answer for you. My apologies. I don't. Have you thought about it? Have you. reflected on this at all? Yeah. Then. what have you reflected and thought. about? Like obviously, it's stupid, you. know. But, the why? Get to your why, dude. What is your why? Well, you said. you're coping for a lot of things, right? So, that's your why? Yeah. It's. like it basically just, you know, I eat. away my feelings, which is bad. Yeah. And then trying Jack in the Box for the. first time in a few years, their curly. fries did something to me. So, I.

Yeah. Yeah. You're not as fat as someone. like this would suggest. This would. suggest. Cuz I'm on my feet 10 to 12 hours a day. Yeah, you are. Yeah. It's like I got. that Jack in the Box gut. I got that. Panda gut. Yeah, I mean man, I don't. know. I'm over here weighing like 210. now. Mhm. How tall are you? 5'8" 5'9". Okay. Yeah. So, I'm a little overweight. Got. you. Yeah. Not going to get into the medical side. of things, but you know, just in. general, it's We all need to watch what. we eat as we were stuffing our face with. Oreos out there cuz we were waiting.

Oops. We won't talk about that. It's okay. talk about that. Okay. But, coming to financial audit, you get. free snacks. Yay. Now, we have a. checking account. And this is something. that actually upset me as I was going. through this and why I'm being a little. more hard already. It's because okay, you're paying the credit card off. Congratulations. You're doing that. That's great. Mhm. But, you're still paying That money that. you have to pay off because of your. spending is then being taken from your. checking account. A checking account.

that you overdrafted on. Mhm. So, you're. spending money that you don't have. Yeah. Which makes no sense either. because you bring in $5,000 a month post. taxes, post contribution if you're. contributing. uh to any kind of retirement, post. health insurance. Yeah. Well, I don't. have health insurance currently. Because I whenever I got promoted to a. manager, I missed open enrollment. All. right. Well, next time it comes around, we're signing up. Sign up, please. Yeah, that's in November. For your. health, I promise it's worth it. Sign.

up. Oh, yeah. Plus we want to get you in therapy. Mhm. Where you don't have to pay out of. pocket like you did Mhm. I somewhat paid. out of pocket before when I had a. discount code, but two I think my the. job I had at the time I was I took a. break from Whataburger and I worked at. Valvoline for a little while, oil change. place. Uh. I worked at Valvoline for a little. while. They paid for the first four. sessions that I had. Interesting. Yeah. So, that was pretty cool. And your. checking account right now is $8.24.

That is not current. Because my statements don't update until. like 2 days from now. Well, this is what it was at the time of. the statement, though. Like yes, you. might have more now. You might have less. now, but at the point of reflected in. here, you allowed yourself to get to a. point where you had $8.24 in here. Actually, that's a lie. You have a You. You went to a point where. No, never mind. Yeah, these statements are weird. But. yes, $8.24. What do you have in there. now? Right now, I have 200 even because.

in my like That's still not much to. cover like things. Mhm. But I have 685. in my. savings. Oh, that you started 685? Yeah, but. What yield are you getting on that? What. yield am I getting on that? I have. If I'm being completely honest, I have. no idea what that means. Do you transfer that to SoFi? Seriously, transfer that and you'll get sign-up. bonuses. Affiliate link in the. description below, but I It's cuz I. personally use that. 4.4% yield on that. money, dude. Mhm. It's good. Okay. And. then you'll get sign-up bonuses as well.

So, when you can direct deposit. Yeah, dude. Overdrafting. When you're still you're still deciding. to spend all that money. And then in. here. you're going to Sonic and Jack in the. Box and Whataburger. Why the you. spending money at the place that you. work? Yeah, again, didn't you just say. you get free meals? Yes, but I was. paying for a coworker's food. She didn't. have money. She's in a rough spot, so I. help her out sometimes. Okay. I love the loving spirit.

Yeah, she I want to do that, too. She. doesn't have that issue a lot of the. time and a lot of the times I do just, you know, promo it out. Yeah. But I fully support that, but you also. don't have money. Mhm. Okay, I understand she didn't have. money, but you literally did not have. money. Yeah. Understand? Mhm. I love the. caring heart. It's hard to do that, but. you did not have the money to spend. on that. What is this? Withdrawal transfer to something. checking? Is that it Is that a different. checking within here? Like you just Huh?

Mhm. Because because for a while the. account I think that that's based out of. the Okay, so the account that my direct. deposit goes into for a while I didn't. have a physical card for it because I. lost the card. But I had a physical card for my old. debit card. uh whenever I had lost that card and I. found that card. So, I had So, I have. two debit cards with two different like. checking accounts, I guess. So, for a. while I would transfer money back and. forth if some place didn't take Apple. Pay or something I would transfer it. over and use the card. Mhm. Mhm. Okay.

Nintendo, Jack in the Box, Chick-fil-A. Chick-fil-A, Apple bill, Whataburger, Amazon, Amazon, Mojang, Amazon, Chick-fil-A, Microsoft, Whataburger, Amazon, Amazon, Apple, Portillo's, and. Whataburger. Nintendo speedy. Stop. Taquitos. Why are you getting taquitos. and torches and Jack in the Box and. Apple and Apple and Amazon and Amazon. and Amazon? Mhm. And Lucky Ace and. Amazon. Mind you, you were overdrafting.

again. You were overdrafting and we were. like, "No, let's go to Whataburger where. we get free meals. Let's go there. again." And then let's get Amazon. And. then Twitch TV. Let's like, "Okay, I. want to start streaming. That's great.". But I only want people to subscribe who. could subscribe to me, pay subscribe if. it could fit in their funds spending. Yeah. You don't have that luxury right. now, so don't support right now. I. wouldn't want you to support me. Hopefully this creator wouldn't want you. to support them either. Apple bill Um.

maybe renting a movie and Apple bill and. more Twitch and Whataburger. Again, free. meals and Cash App and out money, who. knows where that went, and DoorDash. Oh. my goodness, dude, it's more. Mhm. You're paying. You're paying a creator on YouTube and. getting some taquitos and DoorDash. Dude, all these combined all across. statements you. you go out three times a day, whether. that be taquitos and then a Whataburger. and then a Jack in the Box. Taquitos, Whataburger, Jack in the Box. Taquitos, Whataburger, Jack in the Box. Taquitos, Whataburger, Jack in the Box. Over and.

over and over again and DoorDash and. taquitos and taquitos and Whataburger. and Cash App and out $20, who knows. where the that went, and DoorDash. and Microsoft bills and Apple bills. By. the way, you have these bills every. second of your life. And DoorDash and. DoorDash and taquitos and Microsoft and. Cash App and out money, who knows where. that went, and Spotify. More Microsoft. payments and taquitos. Crutchfield. Crutchfield Park, $170. Did you go to a. game of some kind? Who knows? I don't. care. Taquitos, Discord Nitro. Yeah,

that's something that you need to pay. for while you're uh bouncing while you. don't have money and you're overdrafting. and PayPal and. uh Babel. Babel, something Babel 1618. Mhm. How's that even close to acceptable in. your eyes? Yeah, it does It doesn't make. sense. It doesn't make sense. Since the. time of these statements, like I said, they're not current, obviously. You. know, I've quite a few of those Twitch. things gone. Quite a few of the Apple. things gone. Babel gone. Okay. I still. don't know why you didn't have money cuz.

you across all this because you're at. least going to fast food places and. taquitos, which by the way add up and. show your mindset behind things and not. willing to be sacrificing. You spent. like $1,000 on it. Mhm. Which for your income should give you. $4,000 more. How are you overdrafting? Where is everything going? Yeah. I have no idea. No, no, no. Where is everything going? I have no clue. Yep. I mean, if you add the things like the. Crutchfield Park, what was that? Cuz. that Crutchfield, that was a new stereo. for my car. Okay, so now $1,500 on both.

Cuz you did not need that to survive. I. want you to have that. And also, what. the. You spent 20 You got $21,000 that $572 a. month on this, 18% and you had to. replace the AC and the stereo? Like I. said, the AC repair was free. No. deductible was needed to be paid on it. because it was a new purchase. What's. the stereo, dude? The sound system or. whatever? Yeah, just the head unit that. wasn't needed. If you had to get a. $21,000 car, why is that possibly a. thing you had to get immediately cuz you.

just got it this year? Mhm. I don't have an answer for you. And Xbox. Xbox Xbox, yeah. Yeah. Yeah, AutoZone and Kids $6,000 coming. from payroll total within the time of. the statements. $6,000. You should have five You had $6,080. You. should have at least $4,500 left after. probably like $1,500 of spending if we. combine some of the things that we. didn't 100% know. Where is it going? Oh, a lot of the a. lot of the transfers or whatever, like.

how there's a lot of the debits that are. listed, it also lists the like I guess. transfers that are taken out and like. put in and whatnot. A lot of it um. let's see, like 550, maybe 600 is taken. for rent for my portion of rent. My mom. That's like nothing to you. Then my. portion of the phone bill, I think it's. like 120. That's called 5,000 on your. average. Again, your rent is 12%. People. would kill for that. There's there's. still no reason why you don't have. money. Yeah. I mean, the There's no.

There's actually no reason and and. upsetting in a way that your friend has. not been paid back yet. Mhm. You've. chosen Jack in the Box and taquitos and. Whataburger over your friendship. Yeah. Like we can't be doing that going. forward. Yeah, no. That cannot be a. thing. Mhm. Okay. Now, I know I We're not going to. get too deep cuz. you have. full control on what you want to share. and stuff like that and that's totally. chill and I'm going to fully respect. that as I always do.

Whatever it is, man, we got to get you. into therapy at least for the mental. health reasons and talk about your. coping mechanisms and try to redirect. into different ways to cope in different. ways. Yeah. And that's something I work. on with my anxiety all the time as well. and this is you know, that's probably a. completely different world, but there's. you know, figuring out how to process. things differently. Jack in the Box, taquitos, and Whataburger every single. day cannot be the answer to whatever is. happening. One for physical health. reasons cuz fun fact, those three are.

not the most healthy places to eat. Mhm. Uh including the salads at those places. I mean, you know, you've seen the salads. on your menu. I mean, the salads are. fine. Aren't they with like the dressing and. everything like 1,000 calories still? No, I don't think so. Okay. I don't. think so. I think they're I think. they're more like. 750, I think, maybe. It's kind of a lot. I. would need to double check. Yeah. I need. to double check. My My film guy over. there who's very fitness oriented says. that's a lot, so. Still not healthy.

Either way, all I'm saying is the places. you're going are not healthy. Yeah. So, think about the health and then think. about So, physical health, then. obviously the mental health you need to. pursue that on your own. I can't do. anything for that. And then. there's the financial health. Just your. future. Do you have anything in. retirement? Are you contributing? I. don't think so. Do you get a match at work? I What is. that? Okay, so they. most likely definitely offer a 401k. Yeah, I think so. Okay, might not push. it hard. Do they have a match for. managers and stuff like that? I.

understand Usually with those places a. lot of the times the you know, those. like bottom tier workers don't get like. a match, but you're not in that level. I have no clue. Ask the. a coworker or your supervisor or HR, whatever that correct method is. If they. have a match, do it. Just take the match, no matter. what, cuz that's 100% return on your. money. Mhm. There's there's almost. nothing that can beat that unless you're. taking out a payday loan. True.

Definitely do that. And And you do not. have a Roth IRA. From this conversation. I am fully taking that. You don't know. what that is. A what? A Roth IRA. No. idea. Okay. No idea. So, we definitely want to get you on the. road of uh the route of. getting your retirement saved up. And. it's okay, you're you're 21. But the. thing that's exciting about you 21 is we. If we can get rid of this 18% debt, which the S&P 500 will not be on. average, so we want to get rid of it cuz. with dividends we invest it gets you. about 10.5% year annually with all the.

down years and up years combined. So, 18% we need to pay off cuz that's a. better return on your investment than. investing in the S&P 500. Once you get. that paid off, we want you to start. investing. like crazy and it won't even be that. crazy for your age cuz it'll be like 20%. cuz you're not. old at all. And then, dude, from the early 20s, your early 20s. investing 20% of your income, even if you stay at this income level. forever and never get raises, you're. going to be a multi-millionaire by the. time you retire. And retirement's nice.

Or do we want to be standing up all day. at Waterburger when we're 80? Well, that would suck. Yeah. Yeah. Yeah. I want you to be doing. that either. So, let's get you on the. path where you can get in a better. place. Therapy, I will put into your budget. I. don't know what. A lot of it's it's cuz you got to look. at local resources right now and you. have to look at online resources. probably for the most affordable. options. But then, when enrollment comes. around for work, or even talk if there's. anything you can do.

Uh but, we need to get you on health. insurance. And once you have health. insurance, your co-pays towards therapy. should be substantially less depending. Just look at the options. If you're. someone like me who actually uses their. health insurance because I do therapy. and stuff like that, then typically you. want. you can take the option where you pay a. little more a month, but you get better. co-pays and stuff like that. For someone. who barely uses health insurance, then. you know, you can roll the dice. But, when it comes to the overall co-pays and. versus the monthly cost. But, either.

way, let's build you a budget. So, what did. you say rent was? Uh my portion of the. rent, I think is like 600. Somewhere around there. I'll just We'll. just say 600. We'll just say 600. Utilities, do you do anything towards. that? Um I pay half of the electric. bill. You say you pay your mom for this? Mhm. What's your living situation? Uh it's myself, my mom, and my sister in. a three-bed, two-bath. Okay. Mhm. I think the rent there for us. three is 1750. Okay. Something like that. So, I paid like.

Like yeah, like the 600 650. You said. your sister as well. Is she contributing. to rent? Mhm. Mhm. Well, how old is she? She's. 16. Yeah, fair. Yeah. I like that you're. contributing to rent. That's pretty. That's good. That's good. Yeah, there's. no reason for me not to. No, not at this. point. And then, you actually make. again, pretty good money, especially for. your age, dude. You're killing it. compared to most 21-year-olds. Most. 21-year-olds have very much negative net. worth. Your net worth is negative, but. very much negative net worth because of. student loans and a car and maybe credit.

cards. Yeah. And then, they're not even. making half what you make at this point. cuz they're still in college. So, no, you're in an okay spot when it comes to. income. We just need to clean up the. debt. Yeah. Rent, $600. Uh and how much is you said you pay half. of utilities or electricity? How much is. that? Yeah, roughly like 100 to 120-ish. Let's say 120. Just to bake it in. What. about internet? Internet, I pay that. It's uh 100. Is that gigabit service? Yep. Yeah, it.

is. Okay. All right, nice. Google Fiber? No. Mhm. Spectrum. Cuz Google Fiber is not available for my. apartment complex. Boom. Yeah. Boom. And. I'm a gamer, so I have to I have to have. I have to have that ethernet, man. I. have to. I get it. I get it. Don't worry. We were. talking before. He He He said he'll do. anything to get a 4090. Let's get you to. a place where you can buy a 4090 easily. without even a second thought. How about.

that? Maybe Maybe that makes would make. you more excited to cut back on. everything. Maybe. Maybe. Okay. Uh your car payment is 572 a month. Mhm. Car insurance? Uh 389. Oh. Cuz I'm 21 and I'm a dude. That's That's. it. Yeah. So, I'm paying a thousand dollars. Dude. I'm paying a thousand dollars a. month on this damn car.

Yeah. Yeah. Jeez, gas you spend 400. Yep. Well, I fill up like every week and. a half. You spend 400 on statements, so. Mhm. For gas? It's. Well, we may have put some of the. taquitos in there. Maybe it's probably closer to like 300. or 250. What do you think gas is? The. The gas, I mean, it's $50 to fill the. tank. It's like every other week, I. would say probably it's about 200 250.

because I get pretty good miles to the. gallon. I get like 30 30 32. Okay. Yeah. What's the grocery situation at home? Groceries, um. Trying to think. I think my mom spends like 350 on. groceries and I pay her like 100 150. Kind of help her split it. a little bit. Okay, so she buys the groceries and then. you just contribute financially? Yeah. I will allow you to give 150.

Whatever she decides to spend is up to. her, but give her 150 bucks every month. Yeah. That's good. Yep. Does Does that include Do you go. buy your own toothpaste and stuff like. that? Mhm. Okay, cool. I'm going to give. you 100 dollars just for all that good. stuff, whatever you need to just like. survive extra. Call it the toilet paper fund. Yep. Okay. Any other minimum monthly payments. that you have to take care of? Okay, do. you need Discord Nitro? Do you need it? No, you don't. All these other. subscriptions, I'll give you Xbox uh. it looks like you use Game Pass probably.

or something like that. I do. Yeah. Okay. I'm going to give that. to you. I'm going to be a nice man, a. generous man, and allow you to have. that. What is that? 15 bucks? Yeah, like. 15 16 bucks. Cuz if that is what you do after working. 50 hours a week to wind down, cuz you're. already at the point where you're. working like the hours where I'd be. like, "Yo, go work those hours." You're. already doing it. So, if this is what. you do to wind down, totally chill. Yeah. What other minimum monthly expenses? All. the subscriptions, think about it. I'll. tell you if you need them or not. I'm. trying to think. And fun fact, you.

don't, but. I don't. Okay, cancel them all. Yep. Like Like I said, they the other ones. I've. um What's it called? I've canceled. I think. all of them except for Game Pass and. then Download Rocket Money. They'll. They'll uh they're really good with. canceling though. I have Rocket Money, but it like it doesn't work. Weird. It. works wrong. I don't know why. And like. I don't know I don't know how to. navigate it. I've tried messing with it. a couple times. It doesn't like. That is the hard thing about some. budgeting platforms is sometimes they're. not as intuitive as they should be. But,

once you get them, they're really good. Yeah, cuz like I I before they changed. to Rocket Money, I used them as. Truebill. Oh, sure. Yeah, I had I had. them like that, too. So, I just had an. account like switch over. But, either. way, it still just It didn't work. properly, I guess. What I don't like. about your credit card spending, even. though you pay it off every month, you. mean you took it only $50 into the. credit limit. So, you're like maxing it. out every month. And I'm afraid that if. we raise that limit, you would just max. that out every month and still try to. pay it off. But, I feel like that would just increase.

your spending habits. for the past 3 years I've had this card. with a $500 limit. And I just continue to not overdraft it. But, I think last year, whenever I was. out of a job for a little bit before I. started working for Valvoline, in the. middle of me taking a break from. Waterburger, I had delinquency on my. card. Cuz I lived off of that first split. second. And then, it stayed at a 546. balance out of 500.

for like a month and a half. Uh Maybe 2. months. Okay. Yeah. Any other expenses in your life that you. have to deal with on a monthly basis? My phone. Oh, yes. What's your phone. bill? Yeah, uh like 120, I believe. 120. And then, I'm giving you. therapy. What did you pay for BetterHelp session. once the discount ended? Um I think Cuz. you had a good. You had a good experience with them. So, if you had a good experience, then I'm.

chill with you going back to them. Yeah. Um I think it was like 386. Per. session? For the month. Oh. It's not bad. Call 400. Say prices went. up a little. Okay. Okay. So, that's your budget. That's your. budget that you can live on until I say. no more living on that. This car is killing you, dude, with gas. and car insurance and the bi-weekly. payments, the stupid bi-weekly payments. You're just getting.

bent over. Cool. So, even including therapy and all. those lovely things, including Game Pass. as well, cuz I'm a lovely nice man, $2,726. a month is what you need to survive. That's basically half what you bring in. Yeah, so I should be. is no excuse for any money left over. If. you actually budget this, use whatever. budgeting method you want. I don't give. a Whatever works for you, figure. it out. $2,726. What I need you to do is the.

first month, you set aside half the. paycheck. So, you should have about. $2,726. Put that in high-yield savings account. You can use Self Financial like mine. instead of whatever you're using. Actually, you already have a few hundred. dollars in there, so we're getting. close. Um you know, we're starting. So, put. half in there, whatever that is, at. least $2,726 you have a one-month. emergency fund in case anything happens. so you can continue to support yourself. and not put all the rent burden on your. mom and you can pay your car bill, all. that stuff. Yeah. Boom. You have that. That's the end of month one. Now, of the. $5,000 you bring in, you have an extra.

$2,274. Woo! Now, you're going to be making a payment. total cuz you're going to do that money. because you're not spending a single. cent on bull. Yeah. You're not. You're going to be putting. $2,846 with your car payment uh combined. towards the car. So, take the $21,000. Oh, also, by the way,

take from your savings right now cuz. you're putting half You're putting half. of what you're making this next month. into it. Pay off your friend $200. Come. on. Just pay him today. Okay. I don't care. So, $21,000. divide that by $2,846. Your car is paid off in a lovely 7 and. 1/2 months. So, 8 and 1/2 months you. have a 1 month emergency fund, your fund. is paid off, and you have a car that is. fully paid off. Then, your car is gone. 2,200.

on a monthly basis in order to survive, call it a 6 month emergency fund, you. need 13,200. You'll have already saved. up 2,726, and now you have an extra. 2,846 to put towards it on a monthly. basis. Uh another 4 months, and you have. a fully funded emergency fund. So, a year, dude. Yeah. A year from now, you're 22. Yeah. You're 20 You're 22, and you have.

no cent of debt. Mhm. You have a paid-for car. You have a. fully funded emergency fund. You have a great income. You are eons. ahead of anyone your age. It's not even. not even close if you sacrifice. Or, you. could around, do taquitos, DoorDash, Whataburger, Jack in the Box. every day, pay this car off in the like. 60 million months that you took out, um. never have a fully funded emergency.

fund, and don't start investing till. you're mid-30s, and then, you know, then. you're trying to play catch-up, and then. and you retire, and you barely have. enough money to retire, and then, you. know, who knows what the social. security's going to be like by the time. you retire anyway. So, you could. around and do that, or you could follow. this plan, only a year of your life out. of the hopefully like 90 you live, one. out of 90, not a big number. Not a big. number. So, you do that, and you live the other. decades and decades and decades of your. life incredibly. Sounds worth it to me. Yeah, it sounds. worth it, yeah. So, I mean, that's the.

that's the annoying part, and I get it. It's always It's so much easier said. than done. Now, I cut back, and I went. extreme when I started uh when I learned. how bad the debt was, and I started. earning from my own account own income, all commission based, almost everything. commission based, and I just grinded. grinded grinded, paid it off as quick as. possible, and saved up, uh. you know, a bunch of money for my own. retirement, and then, you know, just. started to play catch-up with that, then. went into the real estate game as well, you know, buying my own primary. residence, and then rented properties as. well.

That's why I'm willing to say this, because if I was sitting over there. knowing what I know and being having. gone through the math that I've gone. through on my own end, this is exactly. what I would do, because a year. of sacrifices worth it. It is so beyond. worth it. Yeah. Now, let's say. let's say you retire at a lovely 60, so. a little earlier than most Americans. Uh you started at 22, so you have 38. years. 38 years, let's say the 5,000 is what.

you make, even though I think you make a little. more than that, but let's just say that. Times the Oh, wait, what am I doing? 5,000. 20% of your income, 1,000, duh, math. Additional amount, zero. Additional $1,000 a month is what. you'll be investing. Annual rate return, 8%, which is what the stock market has. done in its history over up and down. years. Compounding, boom, that's a 3 million. retirement fund by the time you're 60. Remember when I said multi-millionaire?

I wasn't lying. And that's because you. have the years on your side. So, if you. take care of this now, dude, you have. the years on your side. You could FIRE. You know what that is? Have you ever heard of FIRE? Um I I'm so bad at acronyms. Okay, uh uh. FIRE FIRE FIRE. uh Financial Independence Financial. Independence Retire Early, that's right. You could do that. You could just go. crazy, decide all the money that you're. putting towards this, you're just going. to be investing, let's say,

but for 20 years or 25 years. So, just shoving all your money towards. that, and then you could retire at 2.5. million dollars by the time you're like. 40. You live the majority of your life, hopefully, majority of your life. retired, and then just doing whatever. you want to do. You could be playing on. the. the uh. 40 40 80 at that time, whatever the GPU. is, all day, every day.

But, you don't have to do that. You You. really don't. I'm just saying there's. options that exist, because you have the. time on your side, you have the income. on your side, as well as the lack of. debt, which is in just a year. Now, what's exciting though, in a year. though, you could probably move out, get your. own place because of the $5,000 you. bring in, 2,500 you can put towards your. needs, no more than that, but that's. like the cap it should be. So, you could. actually have like a rent, and then, you know, whatever else, groceries and health insurance, all the. stuff that are needs. Mhm.

2,500, but this is the lovely part that. you can budget in for the different. games and everything. You get to put, following 50 30 20, $1,500 a month. towards bull. And then, it only goes up as your income. goes up to the same percentage, mind. you, cuz people lifestyle inflate, 30%. of your income, and this still retires. you with 3 million dollars. 3 million. dollars by the time you're 60. Yeah, that's a lot of money. You're still. spending 30% of Yeah.

Dude, keep your needs at 40%, you can. spend 40% of bull I don't care. As long. as investing is at least 20%, that's the. rule. Investing in what specifically. again? Right, I forgot. We don't know. what 401ks are. We don't know what Roth IRAs are. They. are tax advantage accounts, and what I. want you to do is get with the HR of. your work and enroll in your 401k. Take. whatever match they give. Now, the funds. you get in, I can't give any investing. advice legally here, because I'm not.

licensed to do it. My own investing, I. can only speak on myself, I do low in. low-cost index funds that represent the. overall United States markets, and. things like that, and my portfolio. averages about 10% a year across all the. historical losses and gains. So, and there are these lovely things. that I've done in the past, but I'm no. longer doing, but I think it worked for. a lot of people that I might do at some. point, called target retirement funds, not a recommendation, but what they are.

is you do like 2060 if you're going to. retire in the '60s, or like 2060, and it starts off very. aggressive, then it gets more and more. conservative the closer it gets to that. end date. And it just does all the. investing for you, essentially. It's. very pleasant. Mhm. Now, a lot of 401ks they offer a Roth. option. What the Roth option does is you. pay the taxes on the money going in. Kind of sucks, but all the growth that.

happens over the decades and decades and. decades, which will be millions of. dollars as we saw, you will not pay. taxes when you take it out. Which is awesome. Traditional, you get. the tax advantage of it It reduces your. overall taxable income, but you do have to pay taxes on the. gains when you take it out. So, honestly, best thing to do probably. is like 15% into 401k uh once you're out. of the have the fully funded emergency. fund, 15% of 401k, 5% into like a Roth.

IRA. That's a uh. essentially uh. Okay, I'm going to. in the most basic terms, it's more of. like independent retirement fund. It's. not attached to a workplace. It's your. own. It's your little own version of a. 401k with with a much um much smaller. cap that you can put in. Right now, it's. $6,500 a year. Because it's so lovely, the Roth IRA. And you can only choose between the Roth. IRA and the IRA. You cannot do both. You.

can't max out both, so you got to pick. out which IRA you want to do. Roth, because saving that money in the. long term. But, yeah, so that's essentially it. And. that's a conversation that. is worth going into detail. uh and sitting down with a financial. advisor in like a year. And it'll honestly be relatively simple, unless you get some wacko that tries to. get you into every little thing. possible. In terms of just a normal. dude, like even if you just sit down. with someone from Fidelity, and that's. who I use who for my investments,

like they'll help you out, man. Uh so, I wouldn't stress about that too. much right now. That's a year from now, but a year from now, you should come. here again, and we should see no debt, including your friend, which should be. done today. Yeah. And I want to take a. brief moment to thank today's video. sponsor, Aura. Are you sick and tired, just like me and everyone else, honestly, of receiving endless spam. calls every day? I mean, look at this. Let me open my phone. Look at this. This.

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debt and a fully funded emergency fund, and you're setting up retirement. accounts. Woo! Woo. What do you think? Knowing yourself, the. stuff you're going through, because. again, we didn't address it, we don't. know too much about it, we just know. that you should get help for it. Knowing. what you know about yourself, what. you've been through, what you're doing, what do you actually think of this plan? I think it's a good plan. I think it's a great plan, actually. Um. it's just a fact of if I'm going to give. it 100%, that's the thing that I'm.

having trouble with. How do you get. yourself there? Mhm. To be completely honest, I don't know. I. haven't been at 100% for a while, so I. don't know. Um. Okay. Yeah. It gets tough. Just like. just overall overwhelming stuff, like. having to deal with a. like hundreds people in a day. It's exhausting physically. 50 hours a week, dude, you work your. off. Mhm. You legitimately do. I respect the.

out of that. Yeah. That that's something. that we didn't even have to have a. conversation about was work, cuz you're. just you're you're going hard, you're. killing it, you're sacrificing. Yeah. Um. so I get that. Yeah. It's It's It is exhausting. Oh, I. bet. Like one on my body, but two on my. brain. It. Oh my god. And we're nothing if not our. minds, so find ways well, different mental stimulants or different. mental relaxation methods. You know, it's different for everyone, whether. that be meditation, whether that be.

therapy, combination, whether that be. going walks in parks, whether that be. playing video games, different things. Move Going to the movies, different. things like that. Hanging out with. friends. Find what works best for you so that you. mentally can decompress. If you are just. mentally going just full steam all day. every day, it's going to be a crash and. burn scenario. Now, I'm go I'm good with. going full steam each and every day for. a temporary period to get us out of an. extreme situation, but that's not where. I want you to be forever. Yeah. Because you can go full steam.

ahead for a year and do this, but even. if you went 80% and this stretched. like an extra year, I'd say it was a. two-year thing because you went 75%. But if that actually happened and you. completed this in two years versus. trying to go 100% and completing this in. one year but having like 50% chance of. crashing and burning, you know, I would take the two years. because that still gets you to a better. place overall statistically. Yeah. Cuz. if you crash and burn, then we're going.

to be in a bad place for years to come. So, you know what is best for you. Yeah. Me knowing what I know, this 18% car. debt plus depreciation, you're not going. to beat this in any investment unless. you just get like, you know, a crazy. gamble, but that's not investing. Yeah. So, yeah. That that that's where my head's. at, but sorry. Um. I did kind of cut you off, so I'll. continue. You're good. I honestly completely. forgot what I was saying before. Well,

you you were saying that, you know, just. fully committing. You're having a hard. time fully seeing that. Yeah. Like like. I said, it's. difficult, I guess. I kind of shut down. really easily whenever I'm surrounded by. too many people, and that's the thing. that sucks about being a manager. I'm. always surrounded by at least 20 people. in my kitchen, and I'm also surrounded. by the. 86 people in my lobby, and the 25 cars. in my drive-thru. Especially on Fridays and Saturdays, it.

sucks. And it's about one car an hour if. I have any experience sitting in that. drive-thru. You can hush your mouth. Our numbers are. great, thank you. But yeah. Yeah. And I don't know. It kind of. bleeds into my home life as well because. yeah. Yeah, because whenever I'm at. work, you know, a 10-hour shift turns. into a 12-hour shift real quick, and. then having the 30-minute drive there, 30-minute drive back, I'm gone 14, 15. hours a day almost. Like. having that distance and then coming.

home, it's just like. I try and go to sleep, either I go to. sleep immediately and I knock out for. like 12 hours, or I'm trying to go to. sleep for like two or three hours in. bed, and I end up almost waking up late. for work. I barely have enough time to. hang out with my dog, you know? And it's like. He's a cute dog. I've seen the pictures. that dog, he uh. I saved him and he saved me. Let's put. it like that. Um yeah. It's How long have you been doing this. so hard?

Um. say probably since November. I'm personally. Yeah, November is whenever I first got. promoted to my manager cuz I was a team. lead for about two and a half years. before I got promoted. We said what, 5 and 1/2 months total for. the one-month emergency fund and paying. off the car? Something like that, yeah. What if Do you think you'd be able to go. incredibly hard, sacrifice, and kind of. suck for 5 and 1/2 months, and then. do you have the option to cut back. hours, or is it just what's given to. you? I'm scheduled at least 50 a week.

Can you say I I just need. Mhm. Okay. No. As a manager, as a manager, you need. 24/7 availability. Well, that doesn't sound like a healthy. workplace environment. Yeah, I mean, it You kind of have. kind of have a set schedule, I guess. I. mean, I'm working mostly 3:00 p.m. to. 1:00 a.m. or 5:00 p.m. to 3:00 a.m., and. then two days out of the week I work. 10:00 p.m. to 8:00 a.m. To give our full-time overnight manager. two days off. cuz she works five days out of the week,

and I work the two overnights out of the. week. But then the rest of my time are just. like mid evenings where I work like I'm. the manager of the evening shift and not. just a mid manager. Well, what I was. going to say is go crazy for 5 and 1/2. months if you can, and then let off the. gas a bit and build your emergency fund. uh. a few months like three months longer. than it was going to take. But. because before you quit and get a better. job, which I'm totally okay with you. doing, I still want you to have a fully. funded emergency fund. So, it's hard.

Yeah. Talk to your therapist about this. You're nothing if not your brain, so. take care of your physical and mental. health first and foremost always. Yeah. Um financial health is very important, but like you existing. is important, too. and there's people with different. definitions that they're like, "If I'm. not going to Paris next week, I'm not. existing." Okay, off. But I'm like, if you're in like a bad dark place, like that's not worth it to me. Yeah. So, talk to the therapist, and you know, this is maybe the plan.

that that plan kind of comes together. with and makes a fully you plan. Yeah. But this this is what this is what I. think at least from the financial. perspective right now. Mhm. Yeah, I got you. Any final thoughts? Mhm. I don't think so. A lot of me has been. considering leaving. The money is too good to leave, but. recently I haven't been performing too. well, so I don't want to I don't want to.

continue to keep killing myself to make. this business run if I'm not even. performing well. So, yeah. I'm. there's part of me that's already. started applying to a couple other. places, Tesla being one of them. Uh. working night shift at Yeah. Uh doing. what's it called, night shift for 22 an. hour as a production associate. So, that's something that might be in. the cards, but it isn't set in stone. yet. Again, I'm okay I'm definitely okay. getting another job. I would just either. way we want to If you get another job, make a little less and this whole thing.

goes a year and a half instead, still. follow the same exact budget, and then. put just any extra penny you have. towards the stuff in the order that we. talked about. Yeah. I got you. And then. that's fine. If that's the If that's for. your health and well-being, this takes, again, even two years instead of one, Mhm. you'll be 23. Yeah. You still have. so many years on your side. That is so. much better than the risk of crashing. and burning and having this turn into a. 10-year operation because you go into a. bad place. Yeah. Very true. For Caleb.

with the K, this is a temporary sacrifice. I know. the work is hard, so whatever puts his. health first, but that temporary. sacrifice and this dude lives an amazing. rest of his life financially speaking. For his Hammer Financial Score right. now, it's obviously not going to be. good. Spending within a budget, that was. insane. The Dakitos and the DoorDash and. the. Waterburger that should be free and all. those Jack in the Box addictions, zero. out of 10. Debt, it's hard to give it more than a one. with that insane interest rate on that.

insane car, so one out of 10. Retirement, it's nothing, zero out of. 10. Emergency fund, barely started. contributing, so gets to one out of 10. And real estate, not even part of the. conversation, but honestly, maybe in. like seven years for him or five to. seven years, zero out of 10. Hammer. Financial Score, 0.5 out of 10. Make. sure to check out all the resources in. the description below. I have some paid. affiliate links there. I personally use. those resources like the SoFi high-yield. savings account and the Acorns where I. invested money where you can put $5 and. get a free $5 using my link and some. other educational resources as well.

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