I Had To Call This Failure's Mom | Financial Audit

that is so stupid irresponsible. borderline disgusting as a parent and as. a partner that is a little called out. right there kind of what the think this. show is hey this is Miles I am 25 based. out of Lake Mary Florida and this is. financial. audit welcome over to Austin Texas what. do you do for olivan in Florida I'm an. IT consultant right now okay cool could. be a good industry to be in what are you. making uh I'd say.

uh typically like last year I had made. about like uh like 65 and then this year. I may I'm probably trekking for like. 62 after after tax is it based on after. taxes paid oh okay so this is a. contractor job yeah it's it's a it's a. contracted job that I makes sense. consultant so with that it's hourly base. then yeah what's your hourly pay I get. 28 an hour okay I'm typically work about.

how does that stack up for most it. Consultants 28 an hour honestly not that. great I'm kind of I'll be honest I'm a. little low balled I probably should be. getting more in like the 35 an hour. range well maybe how long have you been. in the position uh for with with them. Consulting for them uh since January I. had lost my job before Oh you lost your. job what happened well uh what was the. job well I had worked at at Mitsubishi.

and basically um I had some issues with. the vice president uh director she's. kind of an issue and they ended up you. know giving me the boot okay yeah it's. very specific were you in it there yeah. yeah I did I did it there for about two. years and then yeah yeah the average was. about 38 bucks an hour for it consultant. in Texas in Florida but it's pretty it. has I'm assuming it's pretty similar. anyway so with that you know 25 versus.

38 you know on that upper range it's. like 46 to 61 and on the lower range. it's 26 which is oh make 28 so that's a. little oh yeah yeah yeah 28 I was. reading your age yeah Okay cool so. obviously we have a lot of debt we have. a lot of. things what is going on so basically uh. what it all kind of happened is I never. really took my finan too seriously cuz.

like my parents they like had a pool. well they still have a Pool Resurfacing. business okay and uh essentially for. most of the time I was renting there for. about $500 a month in Orlando uh no no I. was renting at my my parents house okay. they were letting me stay there for 500. a month and it was in Central Orlando. which is actually extremely good for. what the market is over there sure. they're your parents okay and then uh. essentially.

uh they would kind of just always come. in whenever they felt like it they would. just you know never really uh let us. know when they were coming over to the. house even though I was paying the money. and we kind of got into an argument. where house I mean okay so okay this to. be fair me even though I'm giving them I. mean if I'm giving them $500 then no of. course I would love respective. boundaries and stuff like that but it's. just like okay fine it just seems okay. go ahead and then so that had happened. and I basically told them hey.

uh you know I'd really appreciate you. guys give us a call you don't have to. you know we don't we don't need. permission for you guys to come over. come over whenever you want it's your. house and a girlfriend or roommate yeah. it me my fiance uh she was uh and and. our baby uh which our baby right yeah. yeah yeah a little 9-month-old oh a. little girl oh so this is also recent. the story yeah this is pretty recent and. yeah so essentially I gave them that. conversation they told us you know we'll. come ever come over whenever the F we. want you have a problem you need to be.

out by by X date and then they kind of. just kept coming by and harassing us all. the time okay what's harassing harassing. is like like straight up like they came. over and they gifted my sister uh TV. that she was living with us too at the. time okay and they gifted her a TV and. then they just came came into the house. while we were watching UFC and just just. straight up took my TV and like walked. out through well I mean the TV in the. house that we were watching the one that. they gifted yeah the one that they.

gifted to my sister but then they took. it from me while I was watching it okay. just to be. clear I asked so what's going on and. right now I'm hearing about a TV that. gifted and taken away I think all the. Miss payments we're about to go through. is because the TV got taken away what. are you on about guys it is finally time. I've been building this thing out for 6. months and now I finally get to share it. with you all it's investing time baby I.

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man listen it it it's it's hard it's. hard cuz see then after that happened. then we ended up having forcing to move. then I had to basically just whoa whoa. that okay hold on easy okay well you. were taking you were going very slow in. that story for a long time then all of a. sudden we went from a TV was gifted that. was taken away and I was forced to move. the forced you to move what forced me to. move a jump It's because when they took. all their I basically found out found. anything in the house that was you know. so they they like like they took the TV.

they took like a trash can just like. they piece of ours yeah it's theirs okay. so they needed it for something maybe no. no maybe they weren't properly communica. trust me they were being petty they were. being petty petty about what for why. because of the fact that I said that I. want them to call before they come over. and not just come over what is your. relationship with them they're my. they're my parents yeah what's your. relationship with them like uh it's not. great it's not great doesn't sound like. it it's a little it's a little toxic. okay let's not pretend you were probably.

a perfect angel though were you no no I. I definitely might have reacted in ways. that have not been the greatest and so. Temple transforms oh you know you know. but basically it led to an eviction uh. paper EV well yeah I don't think it was. a real eviction they just kind of like. put eviction papers on like all the. doors all the windows. theyed kid yeah that's weird instead of. just having a conversation over while I. have a baby.

oh forgot about the baby thing. yeah and then so at that point weird so. like okay I I first of all I mean we're. hearing your side we're hearing your. side so it's just like sure you know. maybe there's maybe they didn't want to. enable some kind of behavior they seeing. you know maybe there's all this. different stuff maybe you were being. spoiled maybe they're just pieces of we. don't know we're only hearing your side. but even still it's it's it's the the. eviction versus like a conversation.

especially when their grand child is. involved that's that's a bit weird I'll. be honest regardless like there would. have to be some major context missing. for that not to be weird okay so you got. the eviction papers and then at that. point uh it said that you know to be out. by November and so I kind of just had to. I was like okay I'm going find a job a. place near my job sure got a place and. then within that same month uh a. coworker.

had basically uh got in my f face cussed. me out and then why though come on it. didn't just well because what no one. just shows up well because he was trying. to he was trying to break a law and then. I was just like well it's like a. security privacy law okay and uh in that. uh it's like a security privacy law it's. like this basic it thing that you follow. with with how you move data between. countries and different companies you. know and so I said hey uh this different.

company that's trying to access our data. in for our company in this country you. know they're a foreign country in a. foreign comp with a foreign company. trying to access our data we shouldn't. do that and and you said it just like. that huh I did I did and then he told me. to mind my business and then I told this. old man I said well if you. didn't you know if you where is this. going where is this going this is one of. the biggest opening stories what are we.

10 minutes in where's this going it's. getting there kind listen if you're. going to tell a long story at least tell. it into the mic it's it's a dominant. look it's a domino effect cuz you know I. was like okay let me move to mitsub let. me move closer to my job and then got an. argument with a cooworker I tried my. best to do things the right way I told. my boss you were perfect Saints okay I. was I was like you could like in the in. the whole video I like he yelled at me I. kept my composure I went straight to my. boss and then my where you fired yes yes.

that that that was the car company uh. yeah well it was a power. company oh sorry I thought it was like. Mitsubishi power they do power oh I was. thinking of the car okay okay cool sure. but you're in a better job down so it's. just why where where are we today that. that's like what is going on that's what. I asked well I guess I was just so okay. so after all that you know spent a bunch. of money spent a bunch of money on like. you know mo moving getting an apartment. putting in down payments.

uh buying a motorcycle and then what's. it called okay I don't think that's. necessary to live is it I needed a way. to get to places you didn't have a way. to get the places well I did have a Jeep. but I had to sell that jeep because the. insurance was really expensive and the. gas was like $100 a. week how much was the motorcycle it was. like it was like. $4,000 how much was the Jeep um get no. my parents bought it for me but it was. like like it was like.

18 who got the money when you sold it uh. I got I got the money I how much did you. get I got like 135 it was a leak in TR. it had like where did it go where did. that 135 go then uh I bought a. motorcycle and I. moved this is okay well let's give. context to this because this is I I'm. going to cut off your story I'm going to. cut off your story cuz let's have. context like numbers behind this because.

what. the well first I always want to hear. someone's own interpretation of their. own situation give yourself a score of 0. to 10 zero being the absolute worst. finances possible 10 being the absolute. best finances possible I say like like. six easily easily yeah and. you if you want your Hammer Financial. score um and you're reasonable about. your expectations and not.

expecting something stupid like six if. you have all these Mis payments it's. free it's in the description. below ysx well that's I have a good. amount of money saved up and my my my. rent is paid on time and I have food. okay so basic requirements the the rent. and food part what's the money saved up. for part of it is for taxes and then. part of it is just cuz I was so scared. when I did lose my job because I didn't. have any savings at the time that I just.

how much is emergency versus taxes I'd. say like. um I'd say like a third of it is going. towards taxes and then the other other. two-thirds I'm probably uh pocketing. from what my from what my finance app. thing that I use tells me pocketing for. savings yes well not pocketing but like. I keep it in um okay and why have. I'm curious why we have like I'm I'm.

looking at this if there is like a. couple thousand in savings or so which. okay cool why why do we have a late fee. on the first card I'm looking at why do. we have a late fee on the first card if. we have actual money sitting inside. you're blessed compared to a lot of. people that have been on and there's a. late fee doesn't make any. sense doesn't make any sense well 37. thou $37 fee with $26 of Interest. this card the balance went up shocker.

because of that so what do we have Bank. of. America everyone loves them. $1,129 again for your income situation. fiance right not married yeah yeah. fiance how does she contribute to the. house does she she yeah well I mean she. keeps the house clean okay so it's like. a what huh I get my dend and stuff okay. so oh okay so she does not bring an. income is what I was asking yeah trying. to ask.

okay $73 minimum the payment I'm pretty. sure it's normally 45. but late fee for payment due. $37 and that's not your only one this. year so far we're not even halfway. through the year and there's been two. it's been two why do you have a little. bit of money sitting on the side more. than most people on the show but you. have leave fees not everyone on the show. has leave fees why aren't you paying. your damn bills if you have the money. you have a kid because man. well what well see the thing is the.

thing is though I want to have some kind. of like money toide if something happens. why are you not paying your basic bills. 6 out of 10 because I want to make sure. that I still have some money but you're. not paying your required bills like that. comes first like you make the bill. payment and then you have the leftover. money you're just you're skipping step. one pay your bills. but I'm G get to it you're not you have.

you've had two this year that be a. little smirk what the is that sorry ner. I guess you. know well because I'm just like at least. I have the money and then once I I will. you know at some point pay it I just. need to figure out how am I going to pay. it what do you mean you have the. money yeah but then like what am I going. to have if something happens to me you. know what this is literally making a $45. payment if you have a few thousand set. aside you could have made a $45 payment.

but I need to make sure the how can you. how are you not receptive to that how is. that not like making it how do you have. to be so and humans including all of us. including me defensive defensive. defensive but how that is like the most. basic thing I think anyone could ever. say if you have a few thousand you can. make a $45 payment how are you how was. that how does that not make sense to. you cuz it's just like then I'm not. going to have it what $45 yeah that's. what's going to make or break when you. lose a job $45 you surviving is $45 you.

can make a you can make a weak groceries. out of $45 I get it h you're oh. okay are you like really hardheaded just. naturally uh your fiance do you guys. ever talk about that your parents well. my parents for sure. yeah yeah because you're you're. very you're being quite hard-headed with. this. part of the.

conversation well like how how I I don't. know how you just haven't been receptive. to that that that scares. me it's just like guess it's hard for me. to it's just hard for me to see the. benefit it's a responsibity money you're. parent now in my pocket you're a parent. now and I guess from my perspective as a. parent you want to see a benefit I'll. show you benefit you wouldn't have these. fees there you're losing. money that's a benefit not dealing with.

the. consequences that's insane what is this. what even is this what is this like. that's my that's my affirm affirm I use. I like affirm though great yeah they. love you are these all 0% no then why do. you like. it because why do you like it okay see. and then you were talking about how much. I was spending time talking about some. TV and home story but now you go there.

you go now you get the context oh you. had to go get a TV you can't live. without a TV how am I going to watch UFC. uh phone you have one of those I do but. I like to have the boys over okay when. we watch it what are we all just going. to cuddle up with each other and watch. it on my phone sure be a little gay they. probably like that too yeah and go to. their place your place is the one with. the screaming child I'd rather go to. someone else's place hey hey my kid my. kids chill just cool peoples mhm don't. bother nobody okay but still come on. that's not a good oh your little Smiles.

you have a great smile I hate it cuz it. comes out in the wrong times you know my. fiance says I have a eating grin you. ever heard that saying you have a eating. grin that's a great thing to hear from. the fiance sure all right back to the TV. back to the to the you don't like. getting called out for your little your. little your energy your your way of. taking on life I think it might be an. important part of your story it's pretty. way about living life yeah but that.

might not always be the best thing well. I know people everyone comes into this. conversation and they literally they. have an idea in their head where the. conversation's going to go but I always. see different things than they expect me. to see it's how it always goes and then. people are taken off guard it's like I. don't know you have an energy about a. way you're. presenting the. world it's just like I don't know it's. just so many things had happened. throughout this past year that kind of. just led me to being like like you know. throw it throw it on the credit card or.

or I can't pay this bill because I need. to make sure that I pay for this do you. have a kid now though and that's exactly. why I have money in my savings no I get. that I get that part that doesn't mean. we don't pay our bills and start having. you know people coming after the bills. it's just like how how do I it's just. like I you have the money maybe okay. maybe we need to get through it and have. a full Financial picture so I can like. literally show you I might have to show. you uh so Walmart is that the TV yeah um.

okay how much is left on that uh that. one I'd say like3 $400 yeah the total of. firm balance is. 13719 uh NCS pearon what is that that. one that one I'm pretty proud of because. this is a good thing it's an investment. in myself uh getting a since I do IT. consulting I wanted to get myself a. certification that I've been actively. studying for that's great no I'm good. about it but you you financed though I. don't know what these interests are it's.

that the test is like is like $400 or. $500 and I just don't have $400 or $500. to spend I could have gifted you an IT. certification through course careers. they're my boys I love them they're. great and I'll still gift you one but I. guess you've already purchased this as. well so I'll take another you yeah you. can take another I mean it's how the IT. consulting business well I mean it's. always good for just you know boosting. resumes and income so that's good but h. okay the financing I'm I'm not the I'm.

not against the education or things like. that I'm against the way you went about. it cuz again it's not like you didn't. have money either I mean iess you're. really a finance everything and make. those minimum payments Stack Up kind of. guy so let me calculate these minum Mony. payments feel a little called out right. there because I think about it kind of. think this show is then. Universal my fiance kept complaining. about she had nothing to do and maybe. she should get a job sorry.

no okay well you know it was something. for her to go do with the baby you know. so they could go she could go baby what. is the baby going to do at Universal. look at the little creatures little. thingies they won't remember it it's. under. three there's pictures she'll get. pictures are pictures are nice and you. can't even smell them in the pictures so. like I I'll be honest maybe I didn't. have to get all three you know like I. didn't have to get myself one because. I'll be honest I never I never go I'm. always working well I actually think. just you know from the over view of your.

situation that I kind of have I honestly. think you could do a decent amount of. this stuff if you literally just paid. for it it's again you're paying interest. on these what are the interest rates I'd. say like honestly all of them are like. in the 25 to 30 range see that's that's. stupid that's stupid that's stupid why. doesn't she work by the way is it to. take care of the kid yeah it's oh then. that's great that's great and if the. house can afford it it makes sense so. okay that's okay cool uh so yeah sorry. about that I hope it I hope we can.

afford it I guess we'll figure that out. if you need to have a money talk and you. don't have a kid that you'll bring here. and make my place sticky and stinky. which you didn't thank you it's back in. Orlando kept it back there thank. goodness feel free to apply Caleb. hammer.com. SL apply. okay so minimum the payment is like 127. bucks something like that was a little. hard to tell oh here's more firm oh yeah. that that just kind of goes into like.

the. percentages oh are these the same ones. yeah those yeah those were just showing. the the like how much buddy you don't. know your interest rates man whatever. this one was I don't I I don't know. which one this one was but it's at. 36%. 36% when you again have a little bit of. savings what do you just you're not. winning anything and how you your the. savings account that you're in is it. like 4.4% I think buddy this is at.

36% which is a bigger number it it is a. bigger number so how does it make. sense and again you're right let's have. some money set aside but if you're doing. a $500 thing as an investment to create. a better. income how does 36% interest on that. make sense cuz a network engineer can. make 885,000 some bu $85,000 you I know. no no I I just said that part was good.

how does it being on 36% make sense when. the cash is. there I guess in the moment the way I. see it is just like I rather have the. cash on me you knowing there we go again. okay well yeah we got that I get that. hopefully we can show you in the end. that what you're doing either makes. sense or doesn't make sense the other. thing one of the other things you. financed again I don't know which one. this is but it's one of the three Farms. this one's a 30% imagine getting a TV at.

3% it's it's Insanity it's not even that. good yeah how much was it h I think it. was the sucky part is is that how much. was it it's like a $400 TV that I'm 600. bucks for bought it oh well even so you. could have just bought it guys I'm super. excited to share what feels like a total. life hack that is all about putting. money back into your pocket meet the. upside app it's not about collecting. points or some weird reward system this. is about earning real cash for buying.

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just use the app as you normally shop at. over 100,000 locations nationwide and. Bam the cash back rolls in check out the. link in the description below or scan. the QR code on screen and use the code. Hammer to start. saving then the the this other one's at. 36% again I don't know if this the. universal you're just you are the buying. we just did a story on our new show your. weekend money. um about the prevalence of buy now pay.

later it's not a firm but one of the. other ones just got like record profits. and their stock is soaring and they're. about to go or they're about to do an. IPO and their Stock's going soore it's. because of people like you you're just. buying out pay lering everything and. they're getting a literal 36% return on. every single one of their Investments. with you that's crazy you're just you're. making them money you're their perfect. product it's incredible you you're. literally you exist right now to give.

airm. 36% that is not a Life to. Live yeah it is so bad especially since. we're talking about the interest that's. uring on that could be going towards a. college fund for your. kid could be going to paying for. potential daycare eventually saving up. to do like after school care if both you. know parents want to work at some point. and I do want to do that I just don't. know how I go about making that happen. I'll tell you not how to not by losing. 36% on all of your purchases like you're.

you're extending the price of your. purchases by 36% if you want to think. about it that. way okay oh god Amazon Chase car bad one. yes yeah that one that one I think is. like one of my worst ones and like how. do we how do we get in this place in the. first place so the balance is at 5,145. how did you get there cuz that's a lot. of money it was originally just uh using. it for grow groceries like I go to Whole. Foods and then I get my groceries and.

then I pay it all right back as soon as. I did that and then uh something had. happened in which my fiance had to go. take care of uh her grandparent so she. was there with her for like a couple of. months okay and so I had to pay for my. groceries and then groceries for my. fiance for her to and then I then I on. the weekends i' drive out and like I. told you in that jeep it's crazy gas. dude so you couldn't budget this in if. you ever ever done a.

budget like not really like I do a fake. one in my head but oh that doesn't work. okay go throw a buding class every guest. gets them for free go through our new. investing class as well cuz you. literally you get you get $100 a free. $100 for going through it thanks to Mumu. so we're going to give that to you you. need to learn how to budget man I can't. believe youve never budgeted I just I. get scared even with the investing stuff. man like one time I like you know I got. some advice to to invest in Alibaba so I. had invest like three grand into that. and then not going to get that advice.

from ours and then at that point who. adved you that it was like a buddy of. mine he day trading yeah listen to the. Buddy especially the day trading buddy. they always they always know yeah I. ended up with like it went from like. $3,000 to just having 300. bucks so yeah I haven't really touched. investing since then do you not have a. retirement. account uh no I don't this is your best. decade of compound growth money in there. just continues to grow hopefully you.

know if invested correctly doubling. every seven or so years 7 to 10 years. that's the time the time you're losing. and that is so you can be set up for. Success so that you're 9-month-old who. will eventually be like 35 when you're. trying to retire or whatever they don't. have to forcefully take away from their. life and goals to take care of their. parents who were never responsible. enough to take care of themselves it's. time now you you went from The Young. Adult the life to 9 months ago you're.

forced to now actually make sacrifices. for on behalf of other people and that. it's really not an option at that point. the kid didn't choose to be brought into. this. world it and and you're right I just. it's just different you know I don't I. don't know where or how to start so I. kind of just ignore it and I'm just like. you know I'm just going to you know if I. could pay the bills make sure we have a. roof over you're not paying the bills. you're not paying the bills you had a. Mis payment you had to payment let's see.

oh God a Mis payment on here too yeah so. F paying the bills you're not paying the. bills you're not being a responsible. adult you're not being a man well I paid. it a week later you're paying them. late and then you're paying extra fees. on top of them how long was your uh. fiance there with the grandparents I'd. see about like 6 months so $5,000 hour. worth of groceries in 6 months well then. that's not including G gas $5,000 worth. of groceries and gas in 6.

months and the cat well there is this. thing C no no the cash cuz you could get. cash. advances and what were you using the. cash advances for never cash advance. well I didn't realize how hoard the cash. advance interest was why how I because I. kind of was just like oh I could just. pull the money out you didn't think okay.

and so I was just you know. buying noing way that's a new one that's. a you get a special little reward for. that stupidity you got your cash. advancing at like 30% interest rate to. buy not anymore not anymore but you did. I did for quite some insane how much do. you spend. on uh I'd say it could range anywhere. from like two or 4 two to I say like it. could range from like $200 to like.

$300 so to be. now yes so to be clear your big fear. that you've been telling me since the. beginning is that you might not have. enough money for you and your family if. you get laid off but you're literally. willing to spend $500 a month smoking. dying your lungs that's obnoxious it's. the dumbest thing I've ever heard in my. life you'd rather spend $5,000 giving. yourself lung cancer instead of making. your payments on time that's the most.

immature 15-year-old dumb thing I've. ever heard in my life that is so stupid. irresponsible and. childish borderline. disgusting as a parent and as a partner. that. is that. is your entire reasoning for never. getting things in cash and financing. them at. 36% is because you needed money to. survive on the side but you're willing. to spend $500 on your own lung.

destroying. smoke. gross and I have. nothing I have no nothing against. whatever Vice someone wants to do we all. have our own. vices but that was your reasoning for. missing payments that was your reasoning. for getting 36% interest it's because. you are too afraid of not having enough. money on the side and now we know $500 a. month literally goes.

child I'd say more 300 you said three to. five either way five is $5 is too much. if you if you can't make a minimum card. payment of 40 bucks that's a. eth but no you're you're right that okay. I thought you trying to piss me off no. trying to be a little bit. why why that's f stupid tell me tell me. right now why are you here why are you.

here give me like an actual reason why. you're here cuz I want to I want to plan. cuz you keep telling me to like do all. this to pay my bills but I'm just like. all right how do I pay how do I pay them. have you ever seen this show yes I seen. I se because youly through being a part. of the audience right yes I've seen the. show plenty of times so you know we go. through the documents first to get a. full understanding of your situation you. sitting there being a smart doesn't help. anything and then we get a budget at the. end then we send you on your way we do a. checkup in multiple months we answer any.

questions you email in we put you. through our our budgeting program our. investing program we help as much as we. can and you get the help you get the. help that we try and you're being a. smartass sitting there when I brought up. probably one of the most egregious. stupid things you do with your money. stupid what the dumb dumb irresponsible. not a parent not a partnership type of. thing do you sit there oh it's an eighth. like a child that pisses me off that's. dumb. that's dumb so shut the up I'm going to.

go through this that's stupid you can't. shut shut for a second I know I'm being. a dick people are probably not going to. like it but they don't know what it's. like to sit in this have a smart that. that's. stupid F off have you ever had to deal. with people like you have to deal with. in it you asking if I ever have to deal. with people have you ever fck seen this. show buddy I have people like you on so. yeah I deal with people and you might do. some good with. some it makes me very anxious gives me. panic attacks see well then you probably.

went with the sativa should have went. for the indica or indicia leading High. shut what shut for shut the up for a. second I'm going to go through this card. shut the up for the second for a second. shut just shut the up your minim monthly. payment. normally what's your I don't even see a. on here oh the credit limit the credit. limit is 5,000. 5,145 you're above the credit limit $40. of fees 100 $16 of. Interest $118 sorry oh and purchases 15.

bucks of purchases minimum Mony payments. probably 150 but you purchases stupid. yeah purchases I didn't even realize I. PO anything probably subscriptions. Amazon Prime something oh okay you. ordered. something Noah you better have something. good in the post show cuz I'm about to. break this table in half we played Fruit. Ninja oh we're playing Fruit Ninja with. a. sword good I need to slash something.

with a sword right now. so thank. goodness can he be the fruit. no we murder him we murder the guest. first time. sorry okay oh and this isn't even your. first time having a late fee this year. so far on here of course not of course. not you've had maybe three maybe three. maybe this what a silly obnoxious. getting stupid. card.

oh you're obviously not a credit card. person just like anyone on the show you. should use the Fizz card it's the only. thing that makes sense for you you're. forced to pay it off and it still builds. credit that's so I mean the minimum. monthly on that one last I think I just. paid it before I got here is uh 375 d. That's cuz you had Miss payments those. are extra added on top of that it's. probably like 150. normally I didn't know that yeah you see. the consequences of not being.

responsible you see them yet you have to. pay a bigger. fee bigger minimum monthly payment oh. what is this Florida Career College is. that where you went yeah I mean hey it. it got me five years of no I'm okay with. that I don't I don't know the I don't. know the college what I don't like is. 2373 they're giving a third attempt. notice trying to get you still owe the. did you get the degree well they never. gave it to me and because you haven't. paid well because see when they called.

they originally said when you finish the. the the the the SE or whatever they're. going to go ahead and give it to you the. the diploma or whatever at the. graduation if you pay no no no no they. said you get it at the graduation right. and then after you start you start going. about your payments and stuff right but. I ended up not going to the graduation. because I was just like I don't want to. do it I don't care about any of that I. just want my my thing and then they're. like okay well you just got to start. your payments but I'm like well how am I. going to go get a job if I can't show.

them that I completed the damn course. just put it on your you do you think. people actually are like physically come. in and bring in your certification put. it on your resume buddy at the time I. thought they would check cuz I was about. to get a job with Dell and I wanted to. prove it to them that like I I did. something and then they're like oh well. we're not going to give it to you unless. you start paying and I'm like I'm not. going to start paying until you start. giving it to me and then they're like. well we're going to your credit and I. said away. yeah that's what a responsible adult.

partner and parent would say I was like. 20 or 21 I wasn't even a parent at the. time so at the time felt like a very. reasonable response reasonable I mean. reasonable yeah just give give me the. product probably in their terms and. conditions you smoke so much on a. monthly basis I doubt you able to. comprehend what was going on but there. my other friends that literally took the. course with me got their their diploma. because they went to the graduation. but just because I didn't go I have to. now pay okay I get that and maybe that's.

just how Works literally you probably. just had to make a minimum monthly. payment just like one and they would. have sent it or something but you. weren't willing to do that you weren't. willing to just just throw off cuz they. were one in the whole oh my gosh it's. not a man type of situation buddy it's. just do it you paid for their services. they provided the services well you said. you'd pay for the services mhm and then. you didn't and they're not delivering.

the final thing I'm not surprised I. wouldn't give it to you either if you. didn't pay me for the thing you were. supposed to pay me for and to be clear. and at the time and see the thing is. like now I know that the thing is here's. another excuse and all you someone told. me that they were going to pay for it so. that's why I did it my parents were like. go to school and we'll pay for it so I. went to school uh honestly they just. kind of like they said you work now you. make money you pay pay for. it so I was just like so I kind of just.

got stuck with the bill when the whole. time I was just sitting there expecting. okay it's just going to be taken care of. okay and it sucks he didn't whatever. we're just going to take your full word. on that cuz you know no one else is here. to what if we called them right now. would they agree yeah yeah but I mean. it'd be in Spanish so I don't know how. how good that would be I have someone. here who can speak Spanish well you can. you know what if you want to we can we. can call if she answers cuz she can tell. you that you know she says she promised. she would do it she yeah she said she. was going to promise to do it and then.

she was like she's like go ahead put my. card on it we'll go ahead and get the. get the auto put card on it they said. that they were going to put their card. on it and then like you know nothing. kind of came up after it until as of. recently that I started getting said. like hey you got to pay for this and I. was just I didn't even know that it. wasn't getting paid for it we have a. hero here a hero that works here he goes. by the name of Puerto Rican dump. truck cuz is a Puerto Rican with a. massive that's for the Vlog people back.

out in the Vlog days we're we're going. to bring him in and we can call her up. yeah yeah yeah I'm pretty confident she. said you know she told me that she was. going to pay for it and take care of it. but I used to have what seemed like a. massive before I got. fat I'm just buying time while Noah goes. get you look a lot of spun in person. that's what everyone says that's what. everyone says and then and then I'm like. I look like on camera to people but let. me tell you let me tell you when I was.

fit and my was just as. big. delicious. lumous oh hold on. M oh if it's not the sword from the post. oh so you speak Spanish. yes. uh. holdo. iation sorry do you not want me to get. him I thought no no no I wanted to.

absolutely um so we need to call his mom. who only speaks Spanish in. confirm. conf so no one told me to bring the. sword what is this for just. intimidation that's foreshadowing to the. oh okay cool we're. usein um but we need to confirm with you. need to like hey I'm from this show um. can you confirm that you promised to pay. for your son's certification at college. College certific uh certification put me. on the spot but I can try yeah I'm with.

it all. right I don't have my phone on. me oh he no no no it's okay I could. translate though like that might be. easier I. know hello everyone say hi to M he's. been in the post show he's been in the. Vlogs it also edits your weekend money. um which is taking away time for but. it's okay yeah I'm taking sorry but.

Florida Career. College. know. okay know.

speak she she's she was gonna pay ask. her why she. hasn't. wow she said that she's not gonna P. anyway okay why.

[Music]. I I don't know I don't. know okay can I ask a question yeah yeah. ask her why she agreed to pay for it but. she's not paying for it okay.

okay well he said because I have a. mortgage so I haven't had time to get to. it so she. lied well. Mexican mom man you trying to get me. killed okay no we don't have to do that.

but it sound like I I would uh one more. question why did she take the. TV she's saying it's hers oh it was hers. okay she's like d it's mine okay think. thank you MRE.

okay thanks okay see you later see all. right well since you might get murdered. by yeah I didn't want to push too hard. MRE take the katana that we will be. using in the post show to slash through. fruits and you can protect yourself that. way uh interesting I couldn't understand. any of it but mik told me that it's. really interesting one reason why I. wanted he he said not to ask her but one.

reason I was like I kind of wanted to. ask her so like it's what I would ask. you like oh so you're a liar like that's. interesting she did promise to pay for. it and she's like well how am I supposed. to pay for it with my mortgage I don't. know I would feel bad if my kid went and. signed up for all this money and I. promised I would pay for it and then now. it's on the kids. because because I let down my promise I. hate doing it I even like it well good. thing you're getting certifications in. it it pays my bills okay but that I mean.

that's that that's a different. conversation but I actually empathize a. little more now I mean you've been a. little bit of. a little cheeky okay yeah. but uh the TV yeah it's theirs take take. it I don't they can take it I don't give. it but yeah no if someone promises to do. something I don't like anyone who breaks. their promises. regardless uh so yeah sucks sucks when. you realize you had to pay for it though. to get it it's still the responsible.

thing as an adult where it's like it. happens the world is hard you know bad. things happen all the time yeah you. should have paid it just just so you. could if you knew that's what you had to. do in order for you to get the thing you. needed to get the job it was worth it. yeah I was just like you know I was just. kind of hoping hoping Papa Biden would. you like you know those those charges. but they don't look like student loans. though yeah it's like. private one yeah exactly so it wouldn't. have been forgiven so Pap B wouldn't.

have done anything wa. private they were for federal student. loans well well I had some this is owed. to the college this isn't even a debt in. terms of student loan debt this is Biden. would have done anything I have one of. those too though oh okay well let's keep. going then what is. this what' you finance for $939 199 oh. that was my that was my phone okay well. it's a 0% so that makes sense and then.

we'll incorporate that into your phone. bill typically instead of writing that. down it's a separate debt uh okay here's. the moila yes so this this this would. have been forgiven but it you know also. wouldn't have been because it got struck. down by the Supreme Court so doesn't. matter. regardless okay so student. loans so you own your motorcycle right. out yeah I own my motorcycle and that's. your only vehicle uh I have a a 2005 PT.

Cruiser I got for my. fiance okay so we can carry the kid. around I was going to say how you do. that on motorcycle. $549.99 on the student. loans thanks for letting us calling your. mom by the way yeah of course I mean I'm. not lie I was a little scared I was like. I know so you have. this see your safety Katana so Min. monthly payments are you making not. right right now I not are you on a. payment plan that says you don't have to.

or are you just not. paying I'm I'm just not paying at this. moment I just found out recently I got. the email like like within this month. that says hey you should be paying it. and then all this time I've been sitting. here thinking that it's been getting. paid for paid for what how well because. like like I like I said like I had sat. here thinking my mom has been paying for. my student loans I never looked student. loans not even the certificate and so. that's why I was just like oh well you. to believe that she was paying for it. because she said a long time ago that. she would well yeah and I just never got.

you gave it to her saying here okay here. it is here's what you agreed you you. gave it to her yeah like I set up the. app on her phone and everything and she. said yeah I'm going to put my card on. there I do believe you I do believe you. after that conversation I I do um okay. well luckily there is a little bit of a. grace period interest is occurring might. be fees but it's not negatively. affecting your credit right now until. this fall and they're not going to. garnish your wages until this fall but. if you don't start making your payments.

on there they will start garnishing your. wages this fall even if I'm a contract. worker oh yeah why would that matter I. don't know I was just like how would. they know I got my money well you got to. report it unless you want the IRS to. come get you I record all of it well. there you go then you're good yes and. they would want you okay come on sorry. this is I do I am have it to you I do.

why are you on here again. cuz I don't I don't know what to do with. all this stuff and I don't know how you. know how to and then you know I think. about the the the because I have seen. the show man and I do think about I'm. like I'm like holy crap man uh I don't. want my daughter to not be able to do. cool stuff because I keep living. paycheck to paycheck or me being. stressed out says you keep adding. minimum monthy payments to your life. through terrible. financing okay well we're almost through.

your statements $363 in checking account. is a terrifying. thing Disney Plus for the kid kind of. Amazon. blue Amazon going to store getting some. bull [ __ ] sweet treat of some kind. going to store getting some bull oh it's. a Nascar event that one. great uh some inapp purchase on your. phone going to G station getting some. [ __ ] a vending. machine a clothing company $63 a yr.

gator vending Go gas station get into. [ __ ] you're probably going to want. to know this but the Ayr place is the. dispensary the Ayr is the. dispensary Hulu not putting that in your. budget buddy you it's just go into the. store get into Hulu Spotify you can. listen to ads when you're trying to get. out of debt it won't kill you Amazon. Wendy's man I've had my Spotify since I.

was like 15 though oh. no what like you get like a reward for. that who gives a it's not a it's not an. old sentimental car it's just hard to. let it. go no you're not letting it go you just. listen to some ads after every few songs. like an ad like a 30 second ad after. like four. songs such a minor sacrifice going into. the gas station getting some there's the. dispensary again canva. overdraft we had a overdraft you have a.

kid You're missing two payments on. credit cards we have an overdraft we're. getting things at 36%. interest and we haven't paid our student. loans and we still owe money back money. to a college this is a mess this is a. mess you're acting this your finances. are the finances of what a 10-year-old. would have if they could have access to. debt and checking accounts and jobs. see the overdraft I already knew was.

going to come then why the did you allow. it because instead of moving money over. I'm because I make sure that I save at. least 13 to $1,500 no no you can. yourself real quick because you know why. buddy we saw Wendy's like five times in. there the dispensary all that sh you. were having this fun going into gas. stations and getting some [ __ ] you. were having all this Bullit spending and. you knew you were going to overdraft. that means you are not sacrifice you're. not willing to take any hit any hit of.

your own fun for the sake of your own. finances like it just what hope is there. in that case well I was kind of hoping. you might be able to help me budget it. in no no no you just said you've seen. the show just stop stop being a little. chicken just take it seriously for a. second you. little oh yeah I am I am taking it. seriously it's just like I want have you. ever seen me budget in Wendy's when. someone's getting out of debt and not. making their. bills okay no not the Wendy's but okay.

overdraft some fee and then another fee. your business account. $310 okay I don't feel too bad about. that. one vending machine vending machine. vending machine Amazon door Dash more. Disney mobile 80 bucks something. high-end. florist and some flowers. it was it was my fiance's birthday from. a business.

expense well wait can you not do that. what how's your business formed was it. an LSC yeah what are you so the the LSC. is more used as a pass through in. general but this starts messing it up it. starts getting messy at the end of the. year when you are trying to do your. taxes or a quarter-by-quarter basis. you're trying to figure out what you're. able to deduct what you're able to write. off what was business what was expenses. all that this is not a business expense. so it just starts getting confusing and. harder and then he went to a natural.

attraction some aspiran lagon and going. gas station get Chili's huh it it was my. boy's birthday oh another business. expense good and then Chili's they give. you they give you two beers off the rip. every time and you got to love it and we. know you love your substances and that's. also a business expense right great. let's talk of business Brooklyn Water. the big old place and then uh you door. dashed again. soending you're so stupid buddy all this.

spending so stupid then you have. $5,000 it's like it's like close to Six. though but I'm confused you said about a. third of it meant for taxes but by the. end of the. year I've already paid because I've. already paid two quarterly so far oh. okay and then after I each of my. quarterly are like 750 and then at then. after I go ahead and just uh I pay from. what my my finance people told me is.

that I'm going to end up paying after my. quarter leas about $99,000 and so I have. it estimated that if I keep uh saving. but if we only got to like 10,000 $5,000. halfway through the year then means. you'll be like $10,000 by the second. half of the Year meaning that $9,000. would only give you a remaining $1,000. for your emergency fund that doesn't. make any sense no I should I should have. more because I'm I'm saving about $1,700. every month no with no with where you. because I'm because I'm making sure that. I'm taken away no but with first first.

of all no yeah okay so you're yeah but. then after quarterly though some of it. goes away and then after that we're. halfway through the year buddy we're. almost halfway through the year you got. $6,000 so that gets you on track of. having $6,000 per half a year giving you. $122,000 by the end of the year after. the quarter relase and if you have to. pay an additional $9,000 it gives you. $33,000 for an emergency fund does that. not make sense that's how your math is. lining up I can only go off the numbers. that are given in front of me plus. you're actually saving up for this. quarters of taxes anyway so it's going.

to be taken off I I think you save about. a quarter after the tax is paid. only to go towards the $9,000 about. $3,000 $2,500 to $33,000 a quarter on. the high end of extra yeah so I don't. think you have the money left you said a. third of it was for taxes that can't be. true mathematically that can't uh that. that can't be true cuz see at I did. originally seven I did originally have. like 7,000 something dollars but like.

you know I've already gone through two. quarterly exactly so I'm saying after. quarterly I'm looking at the trend after. quarterly and where you are so you. you're not taking that in account I have. actually the with the amount of money. that I'm saving I'm estimated to have. about. 14k because if I'm saving $1,700 a month. okay let's say you have 14k that means. by the end of the year your emergency. fund would be 5,000 and that would be. great that's kind of like what I'd love. to have okay but you said a third of.

this was for taxes and that doesn't line. up and and I'm being generous with you. saying you get to 14 because on track. right now you could be on track. potentially maybe I don't know because. you still have the quarter relase for. this last quarter to be taken out and. you're no for the quarter we're in now. yeah I did I paid it what month are we. in we it would be in June you've paid Q. Q2 already okay so yeah 13 14 could be. could be possible. but certainly not a third that's kind of. why I've been ignoring it the whole time. because I was just like what is this.

high yield savings account if there's a. $250 fee there is no no no no that. wasn't a that wasn't a fee that was when. I was paying the the treasury that like. when you pay taxes it like charge me two. something dollars for that but I don't I. don't think they charge any fees for. having the money in there okay I hope. not cuz that would just essentially. avoid the purpose of having that. interest in there yeah and the gon IA I. just didn't want to take it from my it's. so weird that you are not making. payments you have put your you're you.

you're you're just this is one of the. weirder Financial situations I've. seen it's really. weird let's get you a. budget cuz I think you need to. be I don't you need to be so much more. intentional and smart with your. money okay uh income what comes in after. taxes on a monthly basis normally okay. so what we had. payroll $5,000 but you set 30% aside for.

taxes what you showed yeah like I'd say. like I get each paycheck comes out to be. about like I typically try and get them. to come out to. 2600 okay so $5,000 $5,000 70% of it say. 35 3500 is your actual usable income on. a monthly. basis just based on the numbers we have. in us in front of us cuz like no cuz. like I If you're set the right amount. aside for taxes to be safe it might be a. little overdone but I think I because I.

think I'm putting away like like 18 to. 20% okay well the income you had come in. before taxes was just under 5,000 so I'm. saying you set 30% aside of that leaving. you 70% which is 3,500 okay that just. looks like a lot less than I feel like I. have maybe you're not putting enough. aside maybe you don't know I don't know. maybe you can set 25% aside but yeah. well we've also never. budg that is that is true I I am what. they call mentally okay what's your and.

financially on that part and what's your. rent my rent is uh 1470 for a. two-bedroom one. B utilities I don't pay utilities. because my fiance's cousin sleeps on our. couch so he pays internet so him too uh. for the internet internet I do pay I pay. about7 bucks. oh kind of.

expensive yeah this is like you know I. do it and stuff and so got to make sure. I have a good connection Google Fiber. gigabit is like 35 bucks I don't have. fiber in my place so I'm kind of just. like screwed with what I have renters. insurance renters insurance I don't have. that that just gets charged into my. what's your total phone bill it is. $125 when you pay that phone off switch. to helium it makes so much more sense. same Towers 20 bucks a. month there's no reason not to gas vroom.

vroom drive drive for for your wife's. car and your car I'd say like I'd say. like 60 bucks I only really need like. seven or eight dollars for my for my. motorcycle and then her it's a PT. Cruiser man so it's like you car. insurances car insurances uh for both. the motorcycle and the car I'm spending. like 230 for both of. them okay it's not reallying TP fun. anything else you need is five because. of baby it's going to be I'm going to go.

more 175 actually because a wife she. doesn't make 200 okay that's the food. Necessities is she mostly drinking these. days no no she's on she's on formula but. she's she's on the track to get off of. it soon so she's drinking a lot. less. okay groceries I wonder I think we could. do 600 again when you go through the. program and you really build your own. budget you're you're really gonna get it. more official but I think we could do. 600 there anything.

medical like I have care well no right. now we're we're on government insurance. so like they're paying for it I think. and there's nothing that you have to no. you know that's going to go against your. taxes as well I did ref for realis why. did they offer it for free then well it. it kind of offsets it oh you're talking. about the Affordable Healthcare. exchanges I I think so I was paying for. for for private insurance before but it. was just too expensive to well you are.

right now is a subsidized to the. government unless are you saying you're. on Medicare Medicaid I yeah I think so. because it says like you know zero. monthly payment I just have well that. okay okay who's your healthcare provider. I don't know my fiance knows that kind. of stuff okay well that's not helpful. Jim yeah I go to LA Fitness how much uh. $55 and then uh jiujitsu Jim for $125. do you have to do that. one yeah dude I love it I love I love to.

do that stuff okay let's see if it fits. in the budget cuz I love isn't. necessarily something that needs to be. in a budget I'm going to allow Disney. Plus for the kid what is that like 20. bucks I I got the I got the the triple. bundle thing so like I'm paying. basically like 2025 for three services. yeah that's what I thought I saw okay. 25 do I allow. that I'd allow the Disney Plus for the. the kid isn't the added version like. eight bucks we're going to do that kid. won't even know it's watching.

commercials you really want to stop my. kids Bluey time though. 8 let's say Okay um anything else you. need to survive what about copays for. medical stuff uh so far I haven't seen. any copay would you even know honestly. no I said I usually send my fiance you. you you guys need to get aligned on. money she should be here honestly you. guys need to talk you need to figure out.

what your goals are what you're trying. to do your rant's way too much for well. it's on the edge of too much for sure. just over but like you need to know what. is coming out when she's out and like. what's being spent on medical and all. that stuff what your situation is good. news is you do have left. over after you set aside for taxes 2,943. uh but of. course take that from the 3,500 is every.

month it will be up and down a little. bit but should have an extra $557 left. on average based on what we. have sounds about right because that. sounds about how much I'm trying to put. away I do want a one month emergency. fund I want your emergency fund and tax. account separated though to do two. different savings accounts or at least. two different buckets if they can do. buckets in that I think you're in the. airm yeah um okay because it's it's.

really messy set the 30% aside for taxes. maybe 25% probably 30% what you're doing. with health insurers we don't 100% know. but be aware of a potential bigger bill. at the end of the year that you're not. aware of could also be a reason why he's. having you set aside an additional nine. on top of quarterly so you can probably. take from that tax account with where. you are $2,000 of it I think. 2,000 into savings put that in another.

savings and keep the rest for taxes okay. uh what you need to survive is $3,000 so. and I want you to have at least one. month emergeny fund so what we're doing. for two months the first two months of. this process okay is we're throwing that. into the savings and you have just over. a one month emergency fund okay from. there student loan payments by the way I. didn't calculate that they're probably. going to be something. like 75 bucks so we got to add that in. as. well so you actually need 3,000 to.

survive just about because of that we're. going to do some rounding on that part. going to do it's about 490 left on a. monthly basis now oh no because you need. to start making those student loan. payments. because they are going to uh start. negatively impacting you once that race. period ends and that's coming up very. soon you all 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.

their 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 oh this is this actually. isn't even that hard man your T isn't. even that crazy you're just insane with. it you're just so stupid with it of. course I'm not putting weed in your. budet it's just like how like where I. guess like I'm not seeing what you're. seeing you have an extra 40090 a one-. month emergency fund after 2 months so. okay lovely you're literally able to pay.

off Bank of America in two months so by. the end of month number four Bank of. America cards paid off the affirms Bad. interest rates those are paid off in. additional three months so we just. completed month number seven going into. month number eight month number eight. let's pay off the college in two months. at that point with the extra money we. have left over from paying off the other. cards so we have left over money on a. monthly basis now that 8 9 just. completed month number 9 headed into. month number 10 month number 10 this is. where we tackle the Amazon card it's.

probably going to be about 4,700 by then. cuz you're only doing minimum the. payments so you're also not purchasing. on them if anything I'd actually close. the accounts but uh you probably have an. extra just about oh you're going to this. is that going to negatively impact my. credit if I one second we can talk about. that in a second that'll take about. seven months to pay. off we just did nine so that's 16. months yeah almost a year and a half.

it's not bad student loans had minimum. Mony payment till they're paid off and. the minimum the payments only 75 so with. that that's actually pretty okay. and at that point you have an. extra like almost 700 basically 6 700. maybe $750 left on a monthly basis. $2,000 in an emergency fund let's get. you to because you brought down your. debt payments you know I'll say this and. people have already realized it because. they've been watching it this is live to. you and me not to everyone else they.

able to think through things a bit more. but I did a dumb and didn't put your. debt minim monthly payments in there so. it's actually going to take twice as. long oh Mony payments were not put in. the budget and that was my fault I just. missed that somehow um so it's about. three years 3 years in your debt free. other than the student loans but three. years also really isn't that bad just. take the numbers that you and. essentially just times them by two and. that should work should. work but still not that bad and then at.

that point then you really have an extra. like $500 off on a monthly basis and. we're going to. do a $118,000 emergency fund is a. six-month emergency fund for you minus. the $3,000 you already have in there. divide that by the 500 you have left. over on a monthly. basis um. takes another two and a half years God. five years to have a fully FR emergency.

F and pay off all your debt I'd rather. you go quicker than that and you can go. quicker than that by also increasing. your wage because uh through you know. the certification you're doing now. getting the one you already have on your. resume uh maybe the one I gift you as. well shopping job shopping you you. haven't been there very long so you need. let's you know show that we've been at a. job a little longer and obviously use. the one you had previous for your resume. as well but now that we know you're on. the lower scale. at least again Texas you know Florida. could be a little different maybe it's a. little lower there but let's let's.

pretend that you're still just on maybe. it's a little higher there or maybe the. average wage is a little lower there but. you're still on the lower end of the. scale probably yeah you you know. increase an extra few bucks an hour you. know by a better job getting some raises. with that you accelerate this process. dramatically I really think this is. going to be a total of a three to four. year process instead of a five but you. do have to budget you really do have to. budget. and at some point it'd be great if she. could bring in money it's not. necessarily required but it' be great if.

she could even if it's just a couple you. know just like a part-time job on the. site every once in a while it's you guys. are 25 the kid can't form concrete. members until they're about three anyway. so you may as well grind it out now get. if if you both grind it out if you work. even more hours if you get a part-time. job the more money you make the better. you can budget and cut down and stop the. smoking as well it's the more you do. that buddy and two to 3 years if you. really go hard you could have it you. could have it dealt with you also have.

to just at least make your minimum Healy. payments and you're not doing that and. that's what scares me your behavior is. what scares me so and I get that we just. did this budget but but I would I kind. of did have a plan to go on a cruise. this August with my. fiance because like you know we're. engaged we don't really get to do much. well first of all you guys just went to. Universal that is something it's more.

than a lot of people get to do more than. I got to do until I was like into like. late high school is like you know a kid. with my family well you guys aren't even. married it's not even in a. honeymoon see but it would be nice to. just like you know go to courthouse and. just go go on a cruise oh well go to. sure go to the courthouse and get. married but you guys can't afford that. right now again this is a sacrifice for. your future it's a sacrifice for your. kids' future. it's I wouldn't do it you haven't bought. it right no I haven't bought it yet okay. that would have been the main.

concern gosh normally I'd yell at that. but my throat hurts and it's just like. I've just oh so what I'm doing I'm. already kind of defeated from your lack. of payments and just your behavior in. general so it's just like I I just don't. know if any. extra going into you would even help to. be honest you should know that that's. bad I hope you know that that's bad I. hope you don't do it I hope you're an. adult for the first time in your life. you act like a man you act like a.

partner you act like a dad you act just. like just be an adult finally don't do. it it's dumb so no so. your uh question is. denied okay I can accept that you won't. go on it yeah yeah yeah thank you okay. well there's a win to end this thank. thank spending a budget. sping was this sping was bad wasn't the. worst we've seen let me look at the pie.

chart see see our categ I could cut back. on the uh yeah to zero going out to 300. it wasn't good miscellane 539 that's. definitely not good God Dam uh yeah so. maybe don't do that Deb was so. insignificant it was only 1.5% of your. thing we actually had to stop you from. smoking before coming on you were like. oh please Mr Producer Mr Noah let me. spliff up before we come on and it was. like is he allowed to smoke before I was. like no no just calm down dude like you.

don't need to smoke in every second of. your life legitimately though I know. there's actually been more conversations. cuz it was always among the conversation. that no it's not addictive and stuff. like that and then now it's becoming. more part of the conversation there like. people have like found themselves like. it's become like a major part of their. life and they're like wait a second so. if you need help reach out help if you. need resources we're I'm happy to. connect you with them we're happy to. connect you with them spending your. budget it's going to to be a three out. of 10 cuz those percentages I just wish. more went to your debt obviously but the.

percentages themselves weren't the most. outrageous thing in the world. Deb one of them's in collections that. immediately brings your score down to. zero out of 10 that college thing well. it's internal. collections internal collections. maybe you're missing the payments the. debts are honestly not the end of the. world what's the end of the world is. you're not paying. them so the debt you have at self the. score of the. debt I would say is a three out of.

10 but because you're not putting the. money towards it and paying your that's. going to bring your spending in a budget. to a zero out of 10 because you're not. budgeting correctly you should be paying. your minim ofy payment so they just kind. of swapped emergency fund you have. started it's confusing with what's going. to taxes what's going to emergency fund. you started it's a low you're hoping to. get somewhere by the end of the year I'm. going to give it a 2 out of 10. retirement do you have no 0 out of 10. that's stupid best years of your life. for compa growth real estate 0 out of 10.

that is going to be a hammer Financial. score one out of 10 make sure to check. out all the resources Linked In the. description below they are what I use or. would use in specific situations. including our brand new best of the. class best of the world best in the. history of the internet investing. program that you get for free by taking. it cuz Mumu gives you $100 worth of free. stocks that I personally chose and. because are the ones I invest in so make. sure to check them out and stick around. for the Post. show today on the financial audit post.

show the way I was see in it is like I. already got some land and out out in. like another country create you said. something that sounded almost good for a. second and then you went complete insane. Again In Another Country what other. country Honduras okay how are things. going in Honduras these days not so. great actually they have a narco. president and he just got arrested. recently a lot of violence um probably. one of the most dangerous places for. women but you could do what you want.

with your land which you can't do here. yeah until you're a woman on that land. right to watch the financial audit post. show click the join button below.