I Had To Kick This Insane Guest Off Financial Audit

this is embarrassing for you not for me. 50% of your income is dedicated to. horses that's what I want to do with her. I got to start somewhere you're trying. to rush there to feel good I want to be. there like tomorrow but you're. not you're not willing to negotiate on. something that you objectively cannot. afford this is the dumbest fing thing. this is the worst conversation I've had. in my life but I'm done I'm. done download my new simpler budget app. today and take control of your money.

once and for. all my name is Macy I'm 26 years old I'm. from Colleen Texas and this is financial. audit Colleen Texas we always get. anytime someone from Colleen Texas comes. on there characters what's wrong with. Colleen nothing as far as I know I've. never been it's just every time someone. comes on you should go visit I don't. know based on the people I've met that. have come there every time I have. someone on from Colleen they are wild. but okay thanks for coming on does that. mean military cuz I know a lot of people.

there are military I wasn't Army I. wasn't Army though I was Marine Corps oh. were so this is f yeah yeah so I joined. the Marine Corps in 2016 uh from Anoka. Minnesota I went to North car or excuse. me I went to Paris Island South Carolina. for boot camp I went to Camp Geer North. Carolina for MCT went to 29 Palms. California so you served in the military. okay gotcha okay well what do you do now. that's what I'm um right now I am a.

employee at. Domino's that's an interesting. transition yes Domino's what do you do. at Domino's everything um I make manager. or just a were they were training me. they were in the process of why is where. were training um they've had other. people that have shown more interest in. becoming a manager you're not interested. it's kind of like a if they want me to. be I will be and I think I well why. would they want to be the person to be. the manager that doesn't want to be the. manager more than the person that wants. to be the manager so that's why they.

didn't make so you don't want to be. though not right now no okay it's too. much right now that's okay I just want. to make sure I understand where you're. at in terms of what you want so what do. you make in this job um I make 975 an. hour I make like wait 975 no one even. makes that an Austin bit like basic. minimum in Austin's like 16 these days. how was 975 even I think only that cuz. colen's not that. far7 it's your account from this and. that's um.

so total income yeah payroll. 1,251 yeah so okay and also one of those. checks though in that statement was a. light check because uh my dad had come. down to Texas for two weeks and so I. didn't work okay so what hits your. account on a normal monthly basis um. from Domino's about 1,400 from dominoes. meaning probably something okay well. honestly there hasn't been a single. person that serves in the military that. doesn't have some kind of disability so. yes I am 100% uh with the VA so I get.

like 100% why what do you get on a. monthly basis um about. 3,800 okay n that's what your count yeah. wow okay well that immediate immediately. cuz you would not be able to survive on. the 1400 an option how many hours a week. do you work at Domino's like. 30 well I guess I off I love it there. honestly okay so one 30 hours a week. well you're only able to work 30 hours a. week because of the disability though if. you weren't getting the disability 30.

just wouldn't be an option I don't I. think it I'm not exact I have to look I. think it has to do with um monetary so. like how much you earn if you earn over. a certain amount then they start taking. your monetary benefits away but does. that discourage you from going and. making a career though no honestly it. though mathematically no because like so. the life that I want to live like I want. to live on a piece of property with uh. you know and with horses oh you're.

fitting the look that makes sense. you yeah yeah uh-huh yeah okay I mean. it's my passion so I can't do that. passion yeah land horses freaking doing. that sure from minesa I can't do all of. that on $3,800 a month no okay so what's. your plan to go from 30 hours a week. income at Domino's to Rancher which. requires a lot of up fromont pay.

well ranchers usually work for the. Cowboys but Cowboy Gog girl cow. they yeah you don't know my gender it is. 2025 I'm a cowgirl. though um but freaking so I don't want. like a giant million acre ranch I want. like girl I've looked at land in Texas. even like a regular acre this is like a. trillion dollar that's the thing that's. the thing I'm also trying to move out of.

Texas as well eventually okay yeah I. mean you can get land anywhere but what. is this but either way to get to this. goal you are requiring a lot of money. and we're not getting there at $1,400 a. month and then plus the 38 which is. $5,200 a month which that itself is not. bad really not bad no no it's not bad. but you're yeah okay so I want to I have. two horses I want to train you have two. horses wait what is your living.

situation um so I live by myself in a. house that I bought in 202 you own a. house I do okay is it a ranch no it's. just it's just a city house like it's. just uh it's 1300 ft uh three-bedroom. two bath um on a city lot backyard Fen. inity lot um it's a quarter of an acre I. think is what they they're calling it. for the city lot um and then I board my. horses at another person's Ranch it has. to be expensive again if you didn't have. the dis I don't know how you'd be.

surviving I feel like everything is. going to come back to the but if you. didn't have but you do. have still what is this income how are. you getting this income up to live the. life you want to live though um you're. not making I want to train horses not. for other people but I want to like. train my horses and go and show them and. earn money I don't know anything about. that but that sounds start a small. breeding program as well that sounds. like one of those things that the rare. few make it though almost like the Arts. and other sportsing areas cuz it kind of. is in that real the sport area in a way.

and the it's the rare few that make it. well it depends on your definition. making it breeding into the sports horse. game is that not dominated by like a few. massive players uh yes and no I mean. it's very dependent there's so there's. levels to horses like you have horses. that you can get from the auction for. $300 and then yeah you have horses that. you money yeah but I'm not necessarily. trying to make like Oodles of money but. okay what do you need to make to hit the. goal then what are you saying cuz you.

said enough to like sustain a half a. million dollar like $500,000 house with. some property and a few. horses okay yeah so what what is. happening right now okay so I right now. I bought my house after I left the. Marine Corps like I joined the Marine. Corps at 18 I got married at 19 married. at 19 yeah I got married at 19 you're 26. so you guys have been together for 7. years you have any kids no no no no no.

no I got divorced in 2020 divor already. yeah 2021 oh military marriages they. don't. last yeah that's true cuz everyone just. overseas is what someone else who was. sitting in that seat told us who was. serving in the military and went. overseas well yes there was that what. you did no that's what he did that's. what he did he back home well no well. none of us got deployed neither one of. us got deployed oh he was serving but. yeah he was also AC oh he was Bas dling. yeah so we were both active duty and you. don't B he was off messing around and.

yeah so we got divorced in 2021 okay. well that's a quick marriage yeah how. did that impact everything that's crazy. um that's such a young and quick and f. that was that was you speedran that. marriage yeah it sucked because so um we. got a house and we were making like. Lance corpal pay so anything that I. bought for the house went on this credit. card that I had gotten when I first. joined the military um yeah so they what. you mean like the moment you join you.

opened a big credit card what did you. open pretty much. [Applause]. um okay so so okay but okay what so so. they sent down a credit card application. okay yeah and so I filled it out and. just like a lot of people honestly a lot. wait wait wait wait wait wait wait wait. wait wait wait wait they gave me a. $155,000 limit okay that's very high oh. my gosh I'm just saying a lot of people. go to college and they open their first. credit card too so it's relatively. similar in that but at least you.

but at least you had an income yes the. $155,000 part is pretty wild people get. like a couple thousand insane and then. they bumped but but but but but if that. was a big issue you were the one who put. it on the credit card not them and I. know it's still a lot of us who we don't. know much about personal finances in. America we get kind of about on our own. we kind of learn things blah blah blah. okay I was trying to be like a good. Homemaker I was trying to be a good. Homer you guys were on different bases. or something no we were on the same base. but he was diddling on the same base. with the person he could DD I didn't. know this at the time but yeah well it.

was it wasn't even somebody on Bas it. was his ex over his phone oh my gosh. over his phone he was just texting yeah. well still. bading little wiener pics oh little. weener oh yeah. sorry okay well that's certainly not. good and I'm glad you guys got. separated okay so you max out a credit. card what um well so I maxed it out at. $115,000 and then we moved which your. choice to do yes it was it wasn't their.

fault but I was trying to provide a good. home like I was trying to make on that's. not providing what were you doing to. make the good home on the base um like. buying I was buying stupid from Walmart. like I was buying making a good home. well I was buying like curtains and I. thought that's I I thought that's what. made a home obviously well I mean that. stuff is nice cash flow you both were. making money very no I mean but it was. still money it was you weren't going. into like student loan debt you know or. anything so you're in a position where.

you're actually making money which might. even be more dangerous cuz you have a. little less life skills at that point. because everyone's in finalized these. days you know at 18 and you went in. there and you all of a sudden started. making money to made you spend more than. you made not necessarily you chose to do. that but you know you may have been more. inclined to do so versus those who go in. college don't have an income source so. there's less money to spend so less. opportunity to make those mistakes maybe. I don't know I'm just thinking myself. through that but potentially um but they. they bumped up my credit card twice. without me knowing so they bumped it. from 15 ,000 to $20,000 and then they.

bumped it from $20,000 to $25 it's still. your choice to spend so I don't really. care true I mean obviously they wanted. to make money off of you they provided. you the product you're the you're their. product. though I yeah I well I need to change. your mindset on this I listen I agree. 15,000 18 that is pretty crazy you're. still the one that did it though if. we're looking back to 8 years from now. and we're talking about how they gave us.

credit the bank gave us credit and. that's all we're talking about not what. we did with it that's the dangerous. mindset to immediately have going into. this. conversation but they they should have. known better than to give an. 18-year-old except they actually did. know better they made a lot of money off. of you well them for thator yes I agree. but you are still the one that did it it. was your actions that put you into that. position and immediately going and. blaming them which there is blame on. them for offering that product to you.

you immediately. went on that a little more on the victim. mindset versus the I did. this but it if you were saying that at. 19 I'll would be okay you're 26 this was. eight years. ago okay. uhhuh I've been I made I've made every. payment I haven't been laid on any. payments but minimum monthly payments. yeah so we don't even know what this. looks like today it's not great. six years later for Walmart.

curtains yeah and I mean other household. essentials like I for a while I was in. this really bad cycle of like Navy Fed. gives you this checking line of credit. for $500 so I would like spend all my. money and then go into this checking. line of credit and then have to use my. credit card and yeah so I mean it kind. of just got used for everything for a. while there why wen't you cash flowing. things why weren't you guys fallowing a. budget again were you educated on no.

this is what happens with every American. we all go through that same experience. but I want to know why because obviously. that has not changed today and we're. talking about today how I got to this. experience or how I'm getting to this. experience no why you weren't cash. flowing what do you mean by cash flowing. please explain buying things with cash. cuz I had no cash cuz it all went to. bills it all went to bills what the. bills though the bills can be different. were they bills that you put yourself in.

or it was like like just living expenses. and also like I don't know what the me. and him never had. combined uh are you married again have. we remarried no why I'm asking I don't. know cuz you're someone that already got. married so I would oh no I don't ever. plan on doing that again that was. marriage is a trap it is a trap I think. there's many people who are very happy. uh I think you just married a bad person. and you were guys who were.

18 like dumb 19 yeah yeah well with no. real life experience that that's enough. experience for me man to be honest most. people can make investing seem way more. complicated than it should be it's easy. to feel overwhelmed by the ups and downs. of the market especially if you're not. sure when or how much to invest but what. if you can make investing as routine and. setting aside money for utilities. today's sponsor Mumu makes investing. easy and a staple in your budget maybe. you felt held back by not having enough.

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horses yeah there's a reason there's a. reason I like animals more than people. uhhuh so where do you see yourself 0 to. 10 zero being the worst finances 10. being the best where do you see yourself. today zero but I'm not I'm not as bad as. some people I've I know like why do I. give a about them why do you have. to compare to them boom it's not your. fault at the beginning it's not your. fault at the beginning it was the credit. card people who raised it up and now now. we're in a situation where oh I am but.

I've seen other people that are more who. cares what does that matter no that is a. hard cope that is a Beyond hard cope why. does that matter why' you say that it. makes me feel better about myself it. makes you feel better about yourself but. that doesn't get you anywhere if you are. able to say that you are okay because. you're in a better position than other. people that is going to prevent you from. going to the next step that doesn't get. you anywhere that doesn't do anything. productive to you it might help you fall. asleep for that evening but that doesn't.

actually make any real long-term. progress well if you want your Hammer. Financial score it's free a link in the. description below and if you want to. come on the show get a nice beat in a. tough love and hang out with all of us. down here in Austin Texas all you have. to do is go to caleb.com apply we'd be. happy to do that and get you here. so you talked about this. house what's up with the house um so the.

house I bought it sight unseened in 20. really yeah why what is up with people. doing that why would you do that I was. kind of in a 2017 uh no no no no 2020 I. bought it in. 20 gosh dang it 2022 and you said VA. yeah yep VA um I bought it sight unseen. um the realtor just like sent me videos. and I was like yeah looks great and. where were you I was in North Carolina. at the time why because that's where I. was stationed okay yeah um and then I.

sold my Jeep I had a jeep that I took. out the equity on my car to. get to um I'm asking about the house. does that have to do with the house I. mean I've sold the Jeep in order to move. down to Texas like to get the funds to. actually to get to the house you bought. you had to sell the Jeep yeah I don't. think you were in a position to get a. house if you literally couldn't. afford moving I mean I'm here. [Music].

okay yeah you're here on this show. meaning things are not good when I. bought my house I didn't realize like. how much it was going to be to start. like get my electricity started and get. my water started and like all this other. stuff and then I had to buy Windows um I. had to buy Windows why yeah an. inspection didn't no they passed. inspection I don't fing know how though. because of Inspector did you get. what do you mean what was wrong with the. windows um so the windows that I had in.

my house when I first bought the house. was uh single pane aluminum windows that. literally rattled when the wind blew and. so my electric bill was exorbitant but. you didn't need to cash f the windows. immediately I mean I tried so I tried. like wind window insulation kits like to. try and and keep the in like keep the. heat in keep I get it was brutal but you. were forced to do it immediately not. immediately this was a this was like a. year after I bought the house so you.

were going into a home purchase but. didn't know that you had to turn on. utilities and that that cost money no. what did you wait no no no your realtor. failed yeah but you failed by not asking. questions at the same time I how you was. basically in the fetus position the. entire time I don't want to. picture that why did you go into this. home purchase why were you so why were. you rushing into this so much because I. so I had just gotten out of the Marine. Corps and and I was like not really in.

the greatest of head spaces and I was. like I'm just going to go I didn't know. like I knew two people in Texas that was. it and I've been I just was like I'm. going to go to school to be a vet IID. always wanted to go to school to be a. veterinarian equin veterinarian so I was. like I'm going to go I'm going to do. this damn thing I'm going to move to. Texas I'm going to go to Texas A&M I'm. going to do this sh okay I love that you. didn't have to buy a house to do all. that though my my thought was that it. was like an investment cuz I was like. well this isn't going to be I went into. it knowing it wasn't going to be my. forever home um but I know with it being.

really close to the base that's there. that there's always people coming in and. out looking for places to stay like a B. and B okay so what's the issue here. what's the issue here what do you mean. issue okay okay all right so you owe. 100 $. 29,257. 3 mhm on this it's a pretty cheap home. yeah honestly with a.

97621 minimum month payment it's a good. payment yeah it's not bad like I was. looking at what I was spending renting. in North Carolina and I looked at my. house payment I was like I can actually. put my money towards something for. myself versus just literally just. throwing it away yeah um I think that. was also part of the reason why I kind. of jumped 5.7%. rate it's kind of normal where things. are I have this loan balance for.

$3,536 at 10% from Mosaic what the f is. this yes what is this for that's the. windows that's the. windows I did not do any research I did. not I literally research have to do with. taking on a 10% debt wait research on. what what do you mean Windows themselves. like I didn't what does that have to do. with a 10% debt I didn't do like I. should have looked for a better rate but. I didn't R what do you mean again I we. had the conversation of. did you have to do this immediately you.

have to do it immediately also windows. are expensive also why don't you get. different paines we could have done I'm. doing pain replacement at my house that. is beyond cheaper than window. replacement so pain replacement I don't. think you can replace the panes on a do. you want to see I'll show you pictures. of my windows then you'll understand 60s. look I'll take a look at from the I'll. take a look at it is what I just said. okay hold on let meing hate your m M. with my.

[Music]. hat um okay so like put it on screen for. everyone I don't know where do I do that. no no no we will put it on screen for so. yes it's old windows I had this in my. 70s condo so it's mine were 10 years. newer um it sucks I get it it's say but. you're really trying to I had that like. first like $600 electricity bill and I. was like what the dude that's brutal I. can't do this sh and so then you.

couldn't buy a house the payment the. payment you couldn't buy a house the. payment for the loan is what I'm saving. on my. [Music]. electric no you are not taking account. the interest that is acre you are going. to probably pay more over time we you. getting a 10% that's over time like I'm. not really concerned about overtime like. well then you're not going to get. anywhere over time what's your. retirement at. today um I had a tsp through military. that I when I you overtime matters over.

time we're I'm trying to I'm thinking. about you I'm thinking about your future. when we're talking about house we're. talking about overtime if we're talking. about a house we're not talking about. now when we talk about real estate we. talk about overtime real estate is not a. one-year game Real Estate is not a. 3-month. game well. I I wanted new windows so I got new. windows there it is there it is you. spoke the truth on the situation instead. of trying to justify your way out of it. you spoke the truth the electricity bill.

probably sucked the rattling probably. sucked you couldn't afford to buy a. house so we sure the couldn't afford. what you did on the windows and yes you. could have gotten new. pains well if you talk to a contract I. know you did and now we're when did you. get the new windows um February of 24 so. actually a a year ago a year ago $. 23536 65 still owed on it at a 10%. interest rate with a minimum monthly. payment of 336 what's your energy bill.

today um like. $300 okay so no you said it was $500 and. this minimum monly payment makes up for. it no it doesn't combine them both. together you're at 316 no you're under. by $136 so again yes but you lost it you. said you made up it you're not making up. it you're under so you've lost money. $100 yes but you lost but no no no. that's not the point that's not the. point you Hey listen you tit you tit. listen and I'm concerned you don't know.

what I'm talking about you specifically. told me this loan's okay because of the. difference between the electricity bill. between then and now I have actually. saved money when in fact you're actually. losing an in additional. $136 you said you made the difference. you're not breaking even you're down 136. you're not breaking even you're down. 136 compared to the 500 guess what guess. what guess what huh guess what cowgirl. huh 2 7% extra on top of that plus the.

10% interest so in reality in reality. you lost. 37% that was incorrect what you said. incorrect it's. about it's about it's like. $100 $100 is like it's not insignificant. but like in the grand scheme of things. not insignificant what are you talking. about not insignificant okay so I spend. okay I. for is this.

because listen listen you have a. disability that came from the military. so because of that money is coming in I. don't have a problem with that but. because it is money that you are not. working for I think you have lost the. value of the dollar and I think because. that you're saying $100 is nothing $100. in a $100 in a position of someone. making $1,200 a month from their actual. work is huge is huge $137 for. your up you make 1,400 of your 100 and. 36 extra of your 14 by the way that's.

like a minimum monthly debt payment a. substantial minimum monthly debt payment. that is almost 10% that is almost 10% of. your income you're saying that like. significant 10% of your income 10% of. your income I want you to invest 20% of. your income in order to get to a good. place by retirement you're saying 10%. out ofb will get me out of this debt and. I. will that's not the point you T again. that is not the point I saying 10% is. significant if I want you to invest 20%. % you are saying half of that doesn't.

matter shut the. up you're trying to Bull justify your. want all right guys this is super. exciting for this financial audit. Channel I got big news for you today for. the rest of this week if you join our. YouTube membership at the elite level or. upgrade from Pro to Elite I'm going to. pay for it I am going to directly. reimburse you for the $5 for upgrading. or $10 if you join now it's essentially. like like a free trial except since it. doesn't offer it I'm going to pay for it.

for you all you have to do is follow the. instructions that I'm going to post in. the membership area send us that proof. and I'm going to send you the money and. boom boom you joined Hammer Elite for. free yes seriously guys there's. thousands of hours of extra content. there you got two exclusive member. audits a month the ability to call into. our new live show which is also two a. month you just broke Lindsay's heart no. that's not true honestly Ashley that's. Lindsay for you weekly live streams so.

Caleb what's your social security number. c I'm doing it. 38 is definitely to. get three. two what the and every single Financial. audit post show plus member weekly. videos it's crazy how much we have going. on well I got so drunk I kissed a. grandma in Spain without with only. partial consent and then I ran off. through on plus it really helps support. this channel so let me pay for it for a. month so you have the opportunity to.

check it out make sure you click the. link in the description below or the pin. comment below and I'll see you guys. there and again make sure it's the. middle tier Hammer Elite so that I pay. for it this offer expires at the end of. this week you could not afford to buy. the house I want you to get into a house. I really do trust me people don't even. like that real estate as a part or a. major part of the hammer Financial score. but it's a it's important to me so for. my score I put it. there I like real estate I want you to. get into real estate it's yeah you.

couldn't you couldn't if even if you. couldn't afford to start the utilities. you couldn't afford the house if you. couldn't afford to move to the house you. couldn't afford the house if you can't. afford just the basic maintenance that. comes with the house you couldn't afford. the house it is as easy as that the. house has gained like $30,000 in value. you're lucky on that that is Market. moving that is not something you did no. I know it well I mean I know it's not. something that I directly did but bought. the house it could have equally at the.

same time gone down 30% in value. depending on the year military bases. sometimes they close Colleen that would. be a crazy one to close that would be. insane it would be insane but say we. entered a massive recession and they. were looking for places to cut back. again they typically spend more during. recession anyway so probably not but. doesn't War usually bring us out of like. that too like recessions and. stuff like historically like World War. II brought us out of the Great.

Depression uh mixed here and there. depends on the economist you speak to I. don't really care. okay what I do care about is that you're. acru interest of. $45 you're at 10% interest rate. literally just the windows how much did. you borrow for this the entire thing uh. 20 like. 25,000 I want to say around. 25,000 so what ises the payment fing. term on this if it's 25,000 from a year.

ago and you're only down to 235 the you. 106 payments remaining good death how. many years is that what do you think I. am typing into my calculator I don't. know it's a nine more years oh that's. okay I mean it's. not it's not as bad as I thought it was.

that's okay to you that's acceptable I. mean it's better than what I expected. it's not acceptable it's better than. what I expected so it's better than. expectation I have a very bad matter. anyway cuz I go to this next one and. it's just a loan you literally borrowed. 1,350 but then financed on top of that. the finance charge on top of that was. 1,115 73. that's crazy plus the origination is.

that the older one or is that the newer. one how the what I know you are supposed. to tell me that the there's two from the. same I don't know this one's from 6624. 22 is that the older or newer that was. the one that I took out for the house. when I first moved to turn on utilities. you B for the utilities you for the you. bought 30% for the starting. utilities this was the dumbest real. estate. real estate just like just like a no.

real estate real estate can tank you or. it can take you you got. tanked and you bragged about a 30%. $30,000 increase in value that's how. much your debt was for. the windows and that it levels it it. breaks even no it doesn't you're. laughing about that what are you. laughing about huh I don't know no what. are you laughing about huh what are. youing laughing about while I'm trying. to make a point huh it breaks even. does it you have 10% interest on it what.

do you think 10% of $330,000 is does. that break it even. no stop being a giggly little something. that's not taking this. seriously this is your house this is. your life this actually fing. matters answer my damn questions and go. through this conversation with me okay. instead of trying to make something ACC. cutesy little joke okay. okay you're going to love the next one. then. B so you know those windows that.

I borrowed on shut the off I haven't. even written this down yet I'm trying to. figure out your owed balance on this do. you know your own balance on this. currently I think that one is less than. a grand it's like 900 something $900 on. the utility startup loan yeah at 26.83%. interest $900 out on it we'll say I'm. actually going to round 200 because you. said less than a th so I'll just do a th. okay. okay so minle monthly payment it looks. like on this is.

$418 yes yeah and this is just the start. utilities so it didn't look as bad cuz. it was only $41 a month oh I guess I. missed a debt loan what is this I shoot. I have um one that was like 1,200 and. one that was, 1500 the 1 12200 was the. Mosaic the Mosaic was a. Windows Lake View is my mortgage oh wait. what is this what does it say horse oh. oh you have a horse is this you have a. horse debt what is a horse debt um what.

is a fing horse debt is it debt for a. medical or is this for the even horse. itself it's for the horse itself 200. monthly payments is $200 for the horse. itself is the horse what do you mean is. this a car no it's what are you talking. um so I bought the horse from my friend. you get this from from my friend yeah in. July um and for how much 4500 oh you're. lucky it's. 0% yeah I am lucky on that one. but yeah so.

4500 um for her and it's $200 monthly. payments um and I was also able to work. off some of it so it I bought it from. the the guy that owns the ranch that I. board my horses at so when I first. bought her I was able to do some work. around the ranch and work some of it off. as well like almost $200 of it but I did. the math the other day and I should be. owing him for like 22 months from time. from ,400 of even come on a monthly. basis let's look up I have some stats.

here horse guess what obviously they. live 25 years yeah on average how old is. the horse she's seven okay so seven but. guess what yearly average maintenance. for a horse is. $15,800 and you have one or two two I. have had I've had the one since she was. 14 or since I was 14 so I've had her. since I was a kid um so her expenses to. me like don't even matter like they are.

Priceless I don't even but but they are. price you make money you have goals. you're trying to get to and you couldn't. start Utility payments and you can't. afford anything related to your house so. I think it is price and life impac and I. don't know what the you're talking about. so 15,800 for one horse but you have two. that's fing. insane so your average maintenance of. the horse on a monthly or annual basis. sorry annual it's. 31,600 if you didn't have the military. if you didn't have the so over their.

lifetime that is. $79,000 yeah. 79,000 yeah and that's like $200 to $500. in veter care feedings 1,200 to. $2,500 huare is 400 to 800 and boarding. is 3,000 to 12,000. yeah that on of the 25 years.

or if I'm just again I'm just let's just. talk about we already know you're losing. money we already know you're in horrible. debt we already know that even the. equity you gain in your house it doesn't. matter because your window loan debt and. then your utility debt which you paid an. extra 1,500 just to be able to turn on. utilities and extra you paid a fee of. ,500 to turn on utilities by the way. that's how that works out but let's just. say this let's like let's think about. lost money lost money and lost time so. $31,200 a year right over the course of. 25 years you take that let's say I. invest it I open Mumu my Investment app.

that I use 36 $. 31,600 a year 10% return S&P 500 over. the course of 25. years okay so what's your lost money you. essentially lost and I'm not saying you. can't have a horse but in your position. with no retirement actually pulling. money out of retirement which I need to. know more about you lost $3 million. $17. okay I I heard this saying I heard this. saying once um it's it's you know how. you make a small fortune with horses.

nope you start with a large. one yeah major Channel announcement. budgeting budgeting budgeting it's a new. year we're all trying to budget we're. all trying to make it a little better. we're trying to improve our life a lot. of people on the show a lot of people. out there that I've heard from they try. to start a budget they can't stick to. the budget it's because it's all too. damn complic at right now you use any of. the budgeting apps out there and it's.

crazy it's hard to know what's even. going on it's impossible to set up and. it's a chaos to manage that's why over. this last year I did the thing I made a. budgeting app for you guys this does not. need to be complicated you're trying to. take control of your life so it should. be simple it should be chill it should. be easy to set up and easy to manage. I've called it simpler budget because. that's all it is it's your simpler. budget but we up the anti with continued. education and an adree version in the.

premium version of simpler budget you. can track your spending set goals and. stick to a plan that actually works by. connecting to all of your bank accounts. automatically no manual stuff here. there's actually weekly live sessions. with financial professionals to answer. your questions and keep you on track. they'll be teaching lessons and you can. ask them things and they will actually. help there's also weekly mini classes. keeping you up to dat and educated on. every Financial topic you need to. improve your life Plus for a limited.

time right now you get access to our new. budget friendly cookbook with 55. money-saving recipes to eat well without. overspending it's time to actually make. a budget and stick to it for the first. time ever let's take control of our 2025. and make this the best year ever. download the simpler budget app today. Link in the description below this. budgeting app will change your life I. love that we're able to summarize our. entire life and the goals we're trying. to get to and everything we care about.

down to a joke because in the end that. is what your life is right now a joke. you're set up with Incredible benefits. where you have this for disability I. know it's for something it's not like I. mean with those benefit I was shut up I. am talking lady I mean no I that I am. talking no I am talking I am saying you. got the opportunity where you get the. benefits obviously yes it is because of. a thing that you are rece something that. happened but 3,00. 800 okay you have that on a monthly.

basis. forever and you got access to a VA loan. but you're squandering it by getting. into a home that has increased in value. but you're not able to realize because. you have actually lost money via the. interest on the loans that you have. taken out and because of the loans you. have taken out you are then putting. money into horses that you cannot afford. because you really don't make much money. and you are losing any opportunity for. investing on that money because you are. throwing half of your salary after. benefits a year to horse ver es and then. you pulled out of your tsp tell me why.

when what so I pulled out of my tsp I. pulled my entire tsp it was like. $1,200 um when I. moved so that covered the move that and. that other loan she for it was like. $2,400 Al together this. house but it's my first house like it's. it's s do I give a about that why I. care first house guys I'm allowed to get.

my life ruined because it's my first. house what the f does that even mean. what are you even trying to say what are. you possibly trying to say right now. people up people up people do. up you up over a 30-year. loan yeah well that's multi 100,000 fix. this. you're not doing anything I don't. know to fix it I I don't know what. you're talking about your miscellaneous. purchases alone were in the hundreds and. hundreds of dollars in this last month. so I don't know what the you're talking. about you say you want to fix this you.

have these horses that cost $30,000 a. year to maintain yeah my spending was. better you make $60,000 a year with your. benefits I don't know what you're. talking about trying to fix it you are. keeping these anchors of your life you. essentially have $30,000 hours a year to. play with if we use I'm not getting rid. of my horses not even saying that. necessarily but of the $30,000 a year. that equals $2,500 net left in your bank. account of the what was your mortgage. like 900 bucks right 975.

975 so of. the the. 2500 that you have n on a monthly basis. your mortgage is your cheap mortgage to. be clear cheap mortgage is taking up 40%. of your leftover. money that's crazy it' be more like 25%. of your money. before but since 50 % of your income is. dedicated to.

horses you're not getting to the goals. you told me at the beginning you're. not cuz you're putting having horses or. doing horse girl math over the reality. of life that's what I want to do with. the rest of my life you want to do but. you you got to start somewhere it is. what you want to do you are limiting. your being able to get to what you want. to do because you're trying to rush. there. be there like tomorrow but you're not so.

you're never going. to it is as easy as. that those of us that rush to get to our. goals without actually following a plan. to get there that is realistic never. reach. them and you're making it so I care more. about your goals than you. do when did you get the other horse the. original horse horse OG oh OG she I got. her in.

20. 2012 crazy it's crazy you do not leave. this building until you download the. simpler budget app you get good you get. premium forever because you're a guest. on the show so you better utilize it but. the crazy thing is I bet if we put in. there we'll see 40% of our money just in. the horse category which is insane cuz. it's automatic connections and all you. guys get twoe trial but that's crazy. that's crazy that we would open it up. your budget app and we' see 40% towards.

horses horses that's what that's we can. giggle about it but that's fing losing. everything it is losing every goal that. you want to get to not if my goal. involves the horses that I. have my board and what it cost to feed. my horses and everything a month is like. $1,200 $1,500 a month is that is that. everything or there more into it than. that what does it cost what what is it.

costing you on a monthly basis so for. like hey it's like. $250 just. for grain it's for grain it's. $250 that's um and then their supplement. is $200 it's like $100 a month for the. two of them oh so it's like $100 so it's. $200 over two months and then my board. is 125 ahead so I have two heads so. that's 250. and then my $200 payment on top of that. for the one.

horse and then plus. vet so yeah and then every six to eight. weeks um they have to get their hoves. trimmed. and my the the son of the owner of the. ranch he does my feet for my horses and. that's. $250 a month you don't have this money. you have debt we have debt you're paying. off from Windows from a year ago you're. still paying windows for a year ago with.

10% you're still paying you moved it to. your house what a year ago no two years. ago almost three almost three years ago. she that makes it worse cuz you moved. into your house three years ago and you. were still paying on your literal Bill. to start the utilities and we're. focusing on thousands of dollars a month. for priorities man yeah your. priorities are that's what I'm saying. and it's not a. joke it's not a joke your life.

matters but maybe not to you of which. what the is the point which there's also. going to be other stuff added because. like I'm really trying to get a truck. and trailer by the end of the year no. yes how much does that cost well so I'm. looking at trucks that are like less. than 10,000 cuz that's like the only. thing that I can afford you have no. desire to actually meet the goals that. we talked about at the beginning you're. never going to get there you're never. going to get there I don't know you.

don't know how do you not know you're. never going to get there I think I can. how expl the math I don't know I just I. just I just have determination I. determination does not do that do not. how that works that is not how that. works I think I can I think I can I. think I can isn't that how it works shut. the f up it is not funny I am trying to. get you to your goal stop being a. dumb listen. listen to me and explain to me how.

you're actually going to get there. please tell me I so the idea was like I. get this horse right and this horse has. potential due to like her Bloodlines and. also like her athleticism and everything. so she has potential to do some really. cool things so my thought process was to. buy her and train her and then go and. show her and win money and how's that. gone well I mean I need to train her. first which and how's that gone not. horrible actually um I just need I need.

to go to these clinics which clinics are. also extremely expensive oh it's. it's price impressive to to. maybe make money some of the small ones. it's like $500 for some of the bigger. ones it can be like in the. thousands um but yeah and then so then. after that then I get get her trained I. go to these clinics I but I need a truck. and trailer to be able to do all of that. like at the end of the day a truck and. trailer like but you're talking about. what are you talking about earning.

conservatively what you talking hey no I. really don't know then why the are you. doing it if you don't know because I no. because it's not an answer tell me the. why huh I don't have a number but it's. not well you should have a number if. you're investing $10,500 into it plus. $30,000 a year plus the payment to get. into these shows you should probably. have at least a little bit of a number I. don't invest into anything if I don't at. least have a little bit of a number and. then I go on the conservative side so. what the dep on what level what is it. called what what are you going to be in. what level is it going to be called.

let's do a little bit of research tell. me so I want so it's okay the the world. of horses is vast I'm sure it is how. would you give me something to work with. um so like uh do a cutting. clinic and what would it be called for. you to make that money what do you mean. what do you mean so you pay to get into. the clinic right yeah you told me to. treat that's to teach my horse but it be. like a a cutting show so then it's you. have different levels paid to be in the. show do you get paid based on the. results of the show it's wins okay so a.

cutting sh you can also get sponsors and. stuff much like you talking what level. is your horse at right now well right. now what level would it be she. kindergarten right now what level would. it be at in this winning I don't know it. depends on how many clinics I can go. you're not able to give me a answer for. us to at least because there's so many. hypotheticals yeah but Hy hypotheticals. does not so many hypotheticals does not. work in the world of like investing we. want at least an idea of what we're. trying to get to okay so like a couple I. Bas I base my investments off our.

historic returns or I base my invest. Investments based on like uh when we. invested in the budget in APPA cost. hundred hundreds of thousands of dollars. we based it on what we think we could. get in terms of what could we actually. build with that would people actually. want to use it and of the people that. want to use it how many people are. willing to support us we were able to. kind of come up with a conservative. number and we're like okay it is worth. it to do this so we figured that out. what would you possibly make in a normal. world how often I don't know like if I. go like once a month and if I win like.

first place at some of I don't don't I. don't I don't I don't what places make. money I don't know I need to I need to. learn about the world you're not. investing into this without even. learning not necessar I know something. it's a different so okay so I've been in. the horse world since I was eight years. old so it's not that I don't know. anything about the horse world it's I. don't know about this specific side of. the horse world like I could I could. tell you about like barrel racing but. I'm not trying I don't want to do barrel. racing to tell me about the thing you. want to do how how are you not able to. tell talk to me about what you want to.

do Haven gotten there yet like but. you're willing to invest $10,500 into it. and a onetime purchase with the horse. with a trailer and then you're willing. to do $30,000 a year on the horses then. you're willing to spend time on training. which is the opportunity cost away from. your work career TR the truck is like a. a must like I am going to be getting a. truck know the internet doesn't even. know what do you referring to hair. cutting Timber logging uh meat cutting. what what is it what do you mean meat. cutting I said hour that's. why yeah but so like the truck is a is a.

must cuz I need like I was late today. because I was waiting on somebody else. get and now I'm late for the people who. are subscribed to this for the live. session that I'm doing yeah like I was. late today because of freaking I would I. need to borrow other people's trucks to. go get hay or food for my freaking. horses like the truck is a must like. that is that will be happening by the. end of the year uh price PO is like. 5,000 maybe.

2,000 it it really depends obviously can. range high and this is for like second. place entry fees are 500 so you're. buying for the chance to win so there's. not only that but you're buying entry. into these competitions jeez for. sake this is a want you're doing this as. a want you're doing this as a want I've. also thought about uh doing like a small. breeding operation but that takes money. to start up also exactly and you. probably have no data or anything around. it that you're able to speak on.

adequately enough for us to determine if. the money you are willing to invest into. it actually makes fing sense I mean I. really don't really care at this point. like it's kind of just my dream why are. you here then why the am I wasting my. time with the conversation with you cuz. I want to make it. work make what. work cuz I don't support this make what. work I don't support this at all I don't. know like I this is a hobby for you it's.

what I want to do with but you're not. able to speak on how you're able to make. it work for the rest of your life and if. you can't even say a literal number we. can't talk about the rest of your life. I'm not if I am more education eated on. what you can make out of a competition. than you someone who doesn't give a then. you should this shouldn't even be a. consideration for. you I'm not I may have put the wagon. before the horse a little bit on this. one no pun intended but don't think I. think I think I can do it how many times.

have you made that joke in your. life I mean I you Dr that one. daily I'm Mar I became a marine. so I told myself I thought I could do. that and I did so I think I can do that. I thought I told myself that I could. thought I could buy a house and I did. you did but look where you're at you. still lost money even though you've. gained $30,000 in equity that doesn't. happen for most people you've done it. the wrong way you can't sell the house. and still make a profit today well you. got to learn somehow no you learn.

through education beforehand we're doing. a real estate course next I don't think. it's out by the time this video goes out. but that's what you would have needed. you get the debt class you get the. investing class you get all the classes. make sure you go through them and uh the. budgeting class especially for you cuz. well this is aing mess go through them. you get it for free and come back on the. followup Channel and prove it okay. challenge take promise over 10,000. people have taken our debt class and and. uh they people literally out there in. the audience people have turned their. lives around so take it often times.

people don't take classes and take them. seriously if they get them for free. usually there's like the if I pay I. forgot what it's called but when people. pay for something they're more likely to. do it and do it efficiently and actually. learn from it so there is that like. psychological element behind it so don't. get up unfortunately for you I don't. have a horse class but maybe you should. take one cuz you obviously have no idea. what the you're talking about for. this as a career you look the part but. you can't talk the part by the seat of. my pants.

dude what do I do with. that what can I do tell me what you want. from me um cuz I feel like I'm wasting. mying time right now and I haven't felt. that in quite a long time and it's. pissing me off I don't I want to they. better hopefully they're still learning. something or very least entertained but. I'm not entertained I'm pissed I. I don't know I you can't tell me what. you want I want to be better financially.

I want but you won't listen to me or. answer questions and you joke about. everything and laugh everything off like. it's a joke well so the horse thing is. kind of a non-negotiable thing but. that's everything that is 50% of your. income there is nothing that is 50% of. our income that we cannot consider. non-negotiable when we're talking about. fixing our financial life then I'll work. more no you're working 30 hours a week. and you said I'm grinding I'm working my. ass off you work 30 hours a week you.

can't work more I know you I internalize. your language trust me even though you. piss me off I hear what you say and I. base everything I say off of what you. say and you specifically said at the. beginning of the conversation that you. grind you work off you work a lot I work. my ass off you work 30 hours a week shut. the okay that all horse stuff on top of. that by choice not work. but it's it's work if I but you would.

have to take time away from that to work. more and the horse is not. negotiable the time thing is a little. bit different but like $30,000 a month. is non-negotiable to someone that's. making $60,000 a year you have no. respect for the money because you are on. the disability the disability I'm not. complaining about that I need to make. that clear because people will cry about. it in the comments I don't give it puts. me in a exactly because you just get it. no matter what you have no respect for. the dollar yeah it puts me in a very. privileged I you're willing to just it. because I got.

all uh what is this uh upst start up. start 21.59 per. interest that was okay so you borrowed. 1,500 bucks. yeah two years ago about two and a. half uh okay what what's what what's. left on this uh monthly payment of 4108. what's left probably like not I mean.

it's only a year old so there's still a. good chunk of it or two years no it. should be a year you don't know how much. is. left I'm going to guess it's like a. th000 bucks okay so 1,000 bucks let's. just say just to be safe 1300 yeah I. want to say like what was this for what. was this for so um my windows were on a. auto payment are we back to the windows. again yeah yeah yeah so. Windows my windows were on auto payment. and I didn't realize that I had a.

payment that didn't get made like the. auto payment bounced um and so I just. kept on my Merry way with my life and. later I was like what I feel like I have. more money in my account had a. conversation this long about Windows um. and then I looked at my account and I. was like $800 $900 behind on my windows. and so to make up. Some Inc Windows instead of make like. instead of acre the like late fees and.

everything I took out a personal loan. and paid off what I owed and then now. I'm just paying off the is the 21%. interest on this over the course of the. multi-year process of this loan about. like what is it a four year 5e loan sixy. year loan something like that whatever. is that really less than onetime late. payment I don't I I did the math at the. the time I did the math at the time and. it was like ridiculous dollar amounts a.

day something hey you look at me my job. is to sit right here and be the. absolutely stunning figure that I am and. some things I just can't help like my. incredible ass which is why you're all. here of course but also some things are. in my control for example the pearly. whites I Yap a lot and some would say. too much so I get it but listen if I'm. going to Yap my teeth may as well look. pretty damn good I drink a lot of coffee. to get through these Audits and I.

started noticing some staining on my. teeth so I've partnered with today's. sponsor origo and they brought back my. confidence for continued Yap sessions. the reason I prefer them over. competitors is because they actually. whiten but they do it sensitivity free. and that's always been why I can't use. these types of products for long doing. my sensitive teeth seriously these. things are incredible make sure to go to. Amazon and get the Ora glow teeth. whitening strips or click the link in. the description below so your Yap. sessions can be just as confident as. mine with stunning white teeth well how.

long wait how long would you have been. late I was late by like two months oh. okay yeah okay that's yeah that is. pretty brutal that's still crazy you. could not afford this you can afford. anything you do guess what if you didn't. spend 60 $30,000 a year on fing horses. and also you are just a horse collector. at this point you know what's crazy I. only have two shut the up you won't let. me finish my point the fact is you had. one you really couldn't afford one.

because you couldn't afford the house. you couldn't afford the move you. couldn't afford the windows you couldn't. even afford the payments on the windows. so obviously you couldn't afford one H. horse so you decided to get a second. horse meaning it's not though for you. cuz you can't even describe how it will. return on its investment in a financial. way you're not you probably can and. other people might be able to say and. that's not a return on investment if. we're actually talking finances but the. fact that you can't describe it means. it's do matter shut the up I am talking. so in the reality of the situation you. got a second Horseman you couldn't even.

afford the for because you couldn't. afford the house or anything wrong with. it you can't afford the second horse you. can't afford the first horse you can't. afford your life right now but that. didn't matter the first time so what is. stopping us from saying you know what. I've I've had fun with this now I need. to take my fun to the next level cuz I. know how Hobbies work we always just. keep going further and further down the. hobby yours is just more so all of a. sudden let's add another $115,000 a year. expense via another another horse. technically we can afford it our. disability covers it so you're going to. end up with a third horse a year and a. half from now you're never going to have. retirement you're never going to be able.

to sell your house cuz you're always. going to be underwater on it by the. loans you take out in order to pay the. minim monly payments on the loans you. already did take out because you. couldn't afford to get the house in the. first place you are never going to be in. a financial well spot I know how people. like you work unless you completely. change this around but guess what you. said the biggest thing in there is. non-negotiable so what the are we. talking about nothing is what we're. talking about it's bull this. conversation's. well got anything to.

say no not really I. mean yeah I'm making progress I'm doing. better than I was. so I would love to see proof you would. have an aneurysm if you would have seen. my I'm having an aneurysm now oh that. would have been like an aneurysm times. too would have been bad you would have. seen this like everyone on the show says. they're doing better that's what happens. with every single person I don't believe.

you suit for a single second I bet you. have two weeks of doing slightly better. because you're preparing to come on the. show and to you that is I'm doing better. when in the historical world of what's. going to happen from here months from. now after the fire from under your ass. is a little bit depleted you're going to. be back to where you were again in two. weeks of progress will have meant. nothing what should I so this is a. personal loan in order to make the. payments on the loan that we took out in.

order to get the windows that we didn't. need on the house we couldn't afford to. get yeah what a train of loans it's. great human settied of loans okay so. what is this what is this CR what is. it the Creditor is cross river. bank you borrowed $1,080 with a finance. charge of 549 what is this I don't even. know what is this four it's another up. start what is it. for $1,080 you borrowed with I forget I.

just I needed I needed something I'm. getting better guys I need I don't know. I just I needed something I forgot what. it was. for it was for something I that I needed. I wouldn't have done it for nothing. sake you can't even speak not only can. you not talk of what you can make on. this hobby that you're in you can't even. talk about the money you've already. spent good that how have you made it. this far I asked that a lot and I'm just. as serious now as I am.

then I don't know your guess is as good. as mine on that. one. yeah. yeah I don't know where's the. time not the first time I've heard that. one. you can't make it mad at me for laughing. at that one because they're laughing at.

that one back there. too it's cuz you look like an. idiot take the spotlight off of you for. a. while you cannot tell me what this was. for that you borrowed in October a. year previous this last. October I think it had to something to. do with the horses of course I I know oh. October last year my horse had to get X.

last year a year before this October. this past. October so not this it was October 20 oh. no no no sorry it was this past October. yes um my horse had to get xray so. obviously you cannot afford the horse if. we are financing what needs to be done. on a horse is. 17.54% and that's still a. non-negotiable yeah you're fing broken. then financially you're done you're done. there is no conversation to be had I'm. trying to think of another way to get.

through to you so I don't just walk away. but I'm not seeing it right now you're. done dude you you're not willing. to negotiate on something that you. objectively cannot. afford this is embarrassing for you not. for me no why would I be embarrassed I. don't give this isn't imping my life it. should be is the it's embarrassing that. it's not because this is you have two. things two things that you rushed into. the horses in the house and all of your.

debts have related to them so far this. is as easy as it gets compared to other. people other people so many things have. happened that have gotten them in debt. you just didn't need to try to rush into. a house and you just didn't need to have. your wants of horses and you'd be. totally fine so you would have been. totally fine the horse so the first. horse the one horse that the first horse. that I've had since I was 14 that was. kind of like pushed on to me that was. not necessarily a thing that like you. could have sold it if you really wanted. to I'm not so you're going to sell your.

childhood dog you're you're telling me. you're going to sell your childhood dog. that's the equivalent on yes it was. pushed on me that's different yeah. because so she was up north up in. Minnesota also the reality is. unfortunately you people do have to. surrender their pets when they cannot. afford them it is a sad reality and you. can't afford yours selling my childhood. horse so how is it forced upon you. because so the people that had her up. there where she was she was when I was.

like in the Marine Corps and everything. they were getting ready to like the. Marine Corps this is not your childhood. horse yeah I've had her since I was 14. years old what what why are you saying. in you in the Marine Corps I didn't have. so okay so I got her when I was 14 years. old I left for the Marine Corps at 18. she stayed with people up north while I. was in the Marine Corps allowed you to. get a horse at 14 it it was a it was a. some irresponsible parents it should.

have been them it should have been to. your parent that took on the horse. responsibility my dad you could have. visit my dad is not that he's being. irresponsible you do not put that on a. 25 year plan something that is beyond. expensive onto a 14-year-old child D my. dad so okay so I had I had the horse. right the neighbors that had the horse. they were like Hey we're trying to get. rid of some of our horses because we're. trying to move down to Florida to take. care of our parents all this other stuff.

and so they were like here here's your. horse take her and like yeah they kind. of just didn't I would have put her back. with that my dad doesn't no my dad. doesn't have any horse stuff then he. shouldn't have been able to buy you a. horse of he didn't buy me a horse so. what how'd you get it of 14 so my. neighbors bought the horse and I leased. it from them like it was my horse ow you. to a 14 I.E your dad yeah at 14 yeah I.

worked um with my grandma to make some. money and they shouldn't have allowed. you to commit to something of 25 years. long at 14 that costs this much money. why horses like that costs this much. money it's not about it being a horse is. you are required to pay $155,000 a year. for 25 years and you're committed to. that at 14 that is irresponsible to the. parent unless the parent is willing to. take responsibility for it yeah so I. mean so like when it came to vet stuff. and whatever they would pay for most of.

it but I was still responsible well you. were 14 but you were still required to. for the rest of the 20 years once you. graduated I still had to pay show entry. fees and everything when I was 14 also. and all that other stuff so it's so I. think that's why I'm going back to this. all the like one horses it's your fault. for a lot of the mistakes you have it. was your dad's fault for not being. responsible and allowing you to get this. you were 14 you weren't able to make the. choice you wanted it is the parents. responsibility to say no or to deal with. it in a different way and take you to. ride horses somewhere else instead of.

you getting a horse that you would have. to commit to for the next 25 years of 14. I have nothing wrong with getting a. horse but there needs to be different. levels here the Dad should be able to. take care of it it can you cannot put a. lifetime commitment horse lifetime. commitment on a 14-year-old that is. crazy no but yeah so when I got out of. the Marine Corps then my neighbor was. like yeah so come get your horse and so. I came and got her. oh my is this a is this.

seriously I think that's the same. one I had trouble trying to find the. statement for. the no it's a different I'm getting. different numbers is it yeah no this is. a different one Jake's confirming it. so what is this for you probably can't. tell me you borrowed 1,200 at 12.77%.

interest on October of 2024 similar time. is the last loan but different. amount I I don't know was this a. different x-ray no you don't even know. what you borrowed like four months ago. five months ago come on come. on life changing amount of money for you. oh oh oh so I started delivery driving. for Domino's um um so at first when I. first started dominoes I was just an. Insider now I'm doing the delivery. driving and I had to get new tires for.

my car you're borrowing that at 12.77%. interest rate no way they had a return. on investments that you were hoping for. how much you still owed on this I'm. going to say about a thousand if even. being generous honestly okay so tired. debt of a. thousand gosh everything every instance. in your life is anytime you do anything. you do you take a debt for it that's. just how you do it you know no other way. you've never cash flowed anything in. your life you just debt debt Deb Deb. debt and I think there's a credit card.

next which means it's like where your. spending would be to oh yeah well I. forgot we didn't even get to the credit. card. yet this credit card's insane yeah I. told you I told you I wasn't lying I was. not lying oh she's so loud to for saying. nothing can I pee really quick I'm so. sorry please so that you could not be in. front of me. okay.

go thank you ladies and. gentlemen. she on the tire loan which I won't even. have a conversation with her about cuz. it is pointless at this point she. probably still owes $1,000 of what I'm. going to market the minimum monthly. payment is. $27.16 insane. but the thing that she was freaking out. about and cop laughing the go of is the.

fact that she owes on a Navy Federal. Credit Card. $2,000. $178 reminder she makes $1,400 a month. of earned. income of money that she's going out and. earning she is lucky she has a. disability not for the disability itself. but she is lucky that she is bringing. that money in it is. a this is insane okay well I'm going to.

wait for her cuz this is crazy whatever. $2,178 193 with a minimum monthly. payment of. $451. $451 and guess what. guys $451 is the $1,400 she brings in. from her earned income 32% over 32% of. her earned income goes to literally a. minimum monthly payment on a credit card. literally a minimum monthly payment on a.

credit card well as I was telling the. camera before essentially this is dude. 33% of your earned income goes to this. on a monthly. basis it is a crewing alone. $251 in interest a month and why the. possibly would you purchase. $129 and you are close to the credit. card limit if you didn't even make any. purchases and you just did your minimum. monthly payment how long does does this. take the pay off I did the math and or I. looked at it I looked at something and. it said like 44 years 31 but yes insane.

yeah that's why and yet you're willing. to purchase on. it I was you're willing to purchase on. this it was a it was like a it was like. a I didn't have my card and like I it. was the only thing available like cuz I. it's for multiple things it's for buying. things at your own work dominoes it's. something at a bank it's going in. getting some from a gas station. this is not a onetime. thing you are lucky it is at 13.9%.

interest but no. $6,193 of it are higher interest cuz. they're cash advances I'm telling you. it's a lot better though than it was. Cash ADV I don't give a no it's not this. is the number it's not like I have a. giant this is the number this isn't. better than before it's at Max I don't. give a f Bullet by the way I don't give. a I don't know what that means I don't. care all I care is that this is a max. credit card. limit that's all I give a about no.

way is better than before you are. purchasing on it it is stupid you're not. able to make it as bad as before because. you're basically at the limit and it. takes 31 years to pay off listen you. have cast Advan balances on here cash. advaned balances yeah I don't know how. to get rid of those you pay. it I have been but haven't it hasn't. gone away like I because you still. purchase on theing cards. the interest is high you. purchas just don't know what the.

this conversation is f. enraging. enraging it's. okay I a York it Domino's it's. fine and you can make your career there. you can become a franchise owner I don't. even care is this I don't your goals of. getting to the I just don't see how you. get to the goals when you can't even. Define them in a monetary way listen if.

you ever decide to change career paths I. can at least gift you a course career. certification I love them for resume. enhancements and switching. careers but dude I just I don't know. what you're going to do I either I don't. know either I really don't it's so funny. it's not but I want but you laugh about. it it's more of like a well kind of. situation situation no it's not because. guess what you can get rid of half of.

your expenses that or you can get rid of. the expenses that take up half your. income but you started that with it's a. non-negotiable there's a lot of reasons. why that's non-negotiable it's because. it's a horse and you love them and it's. an animal and I get that and I am an. animal lover and I'm the last person. that would tell you to get rid of it the. simple fact is if you cannot afford it. you cannot give them the quality of life. that is required over the course of. their entire long term it is a selfish. it is a selfish thing for you to do. you're correct and right now I'm. scraping the bare minimum and if you're. not you're borrowing look we just had. that you borrowed two. little huge highin debts just a few.

months ago for them cuz you can't afford. it no you're not scraping you're below. you're drowning you're not scraping one. of them was for them one of them for was. for yeah but something else was for. something else because you didn't have. enough money for. it like you don't have enough money for. anything if anything pops up today you. don't have enough money for it you. cannot adequately take care of them it. was irresponsible to take on this other. one and you shouldn't have the first one. anyway and it was responsible for your. dad to allow you to stick to that. commitment $47 and my dad didn't really.

have anything to do with it it wasn't my. dad was not involved someone had to. approve you doing. this well he it he didn't say no exactly. and he should have like an adult $5 in. savings because. we're doing so well $671 in. checking subscript ion cash app out 200. McDonald's the cash lingo what the you.

learning horse what are you doing. Spanish uh-huh for why because I'm in. Texas there's a lot ofish I feel like. speaking Spanish is kind of. important I don't know I want to learn. how to speak Spanish too there it is you. want to learn thank you you were trying. to justify valuable skill as well to be. dual yeah I agree you can't afford it. well I you're literally borrowing like. almost micro payday loans well if you.

were to compare if you were to compare. it to like like taking a Spanish class. in colge I would say you can't afford. that either yeah well so that's cheaper. no you can't afford either it doesn't. matter if it's cheaper or not if you. can't afford it you can't afford it. you're literally borrowing for utility. payments you do not afford when I first. moved in you're still paying for it two. and a half years later so F you you. can't afford it you can't afford it 10%. interest F you this is literal basic. stuff this is so. pointless massage can't afford it.

massage yeah effective massage oh that. was a freaking so somebody gave me a. gift card and so I went and I got this. free freaking massage and then at the. end they were like oh are you going to. tip your massuse and I was like well now. I feel like a dick if I don't so I. tipped him Saloon McDonald's line of. credit payment net deposit check line of. credit pay what the is that so uh. Navy Fed has a $500 checking line of. credit so if you overdraft it goes into.

this $500 checking line of credit and. then when you get paid it will. automatically pay off your checking line. of credit and then just give you the. remaining Oh no you're in the pay life I. am so sucked into that cycle it is. horrible I'm fine you can't afford the. horses you can't afford duelingo you. can't afford anything you're cash. advancing you can't afford life you. can't afford B anything yeah you can't. afford anything you can't afford. anything or where does your your dad. live Minnesota how's your relationship. not. great I mean it's not horrible but you.

have any family that you have a good. relationship with some but I'm not going. to live with any of you might need to. live with them you might need to sell. your house and and get your payments to. nothing unfortunately that might be the. only way to still keep the horses or you. have to get rid of the horses we have to. lower these payments some way no I agree. with that one you can't do it you cannot. do this this does not work and I got you. Spotify listen people think I'm just. like anti- Spotify I'm not you literally. are borrowing for utilities borrowing.

for your hes x-rays you can't afford it. it's as simple as literally that when I. first bought that second what is f. CHF FCF I don't I honestly. $450 given to out out yes out oh wait. it's an ATM withraw where the did that. go oh $450 that's my board for my horses. and my horse payment I do it in. cash you crazy.

man McDonald's can really afford. it can't you Vape City great so we're. also killing oursel with a habit that. costs so much money on a monthly basis. no that is not cute that is disgusting. actually I am trying to quit I am trying. to quit is what everyone says who comes. on the show convenient that they're all. trying to quit but no one. does Car Wash you really need that we. live in in Texas there's no ice there's. no it's because I am a delivery driver. and that's required by work that I get a.

car wash time to get a new job it sucks. anyway you're being paid J I don't give. a it's not about that did I suggest you. did like your job it is because like to. me me liking my job is more than making. money and torturing myself mentally over. this all all right I I'm done I'm. done I'm done you're not even willing to. get a job that pays more than $9 an hour. I mean I didn't say I wasn't Willen to. end the conversation in a long time I'm. sorry guys I haven't had to end a. conversation in a long time but I'm. ending this this is the Dum thing this.

is the worst conversation I've had in my. life listen Hammer Financial score let. me eat a horse that'll save you a lot of. money you we're going to go to the PO. show and have a more pleasant. conversation I'm going to cool down and. maybe we'll talk about the rest of this. but I'm done I'm fing done uh just join. join it Link in the description below. and make sure you download the simpler. budget app so you don't end up like this. make everything automated and join the. community and education and everything. that comes with it bye see you in the.

post show you're participator I have I. was like dating and you're like no I my. friends I thought everybody did O why. couldn't you have opened the show with. this information no but this is like the. post show right people have to pay for. this tried to do an only thing not do. well wait you tried only posted the on. Twitter. yeah I was also. stri super Flex we're learning this all. at the end I'm sorry it's not relevant. to my financial we will decide if it's.

relevant to your finances say take two. let's start again start from the. beginning to watch the financial audit. post show click the join button below.