Incel Loser Forcefully Cucked By Wife | Financial Audit

I'm Casey, 27, based out of Beaver, Oklahoma. This is Financial Audit. Beaver, Oklahoma. That's an interesting. town name. Um, cool. Thanks for coming. down. What do you do for a living in. Beaver? I work at the local grocery store and uh. doing what? Uh, unloading early morning trucks, doing wholesale deliveries to other. businesses. Cool. What are we making in that. position? 2075 an hour. 2075. Okay. 20 and.75 cents. Gotcha. How many hours a week are we. working that? 40 sometimes. 42 to 43. So, I think it's.

41,000 something like that. 43,000 a. year. Okay. And then. is that total household income for the. house? Uh, are you married? Oh, okay. Cuz I also do Door Dash and Spark on the. side. I go to another town for that. Is it a single income household though? Kind of. My dad lives there right now. Oh, okay. And he's on social security. He pays. like utilities. Huh. Interesting. I don't keep up with him. And then h. with who? I don't really keep up with his.

finances. I don't. Oh, with his finances. Okay. But you. Okay, we keep up with him. Yeah. Okay. I was gonna say you live together. Well, I don't hang out with him. I don't talk. to him like at all. with your dad that you live with. Correct. Not a great relationship. Long. story short, why is he with you? Cuz he can't afford. to survive. We'll get to that. We'll get to that. We'll get to that. It's part of the. story of how I ended up here. Oh, great. Okay. So, and then that. income for the other sources. So, I'm. looking at the income that came in.

Yeah, we had deposits of 3,895. Some of that stuff is contract stuff. though. Are you setting aside proper. taxes from what were those other hustles. you said you did altogether? It's uh Door Dash and Walmart Spark. Okay. I'm assuming the Walmart Spark is. also contract. Yes, it's $10.99. And are you setting aside money for. taxes? I have like 30 bucks coming out. of my store paycheck every week going to. the tax stuff and I also track my miles. Wait, how Well, that's good. But what. how much is coming in? If we're only.

setting 30 $30 aside, how much is coming. in from those? Uh, it's the floor is 400 and the. ceiling is 600 a week. Like it just. ranges between those two numbers. What's What's normal for you? 500. So, you're setting 6% aside, I guess. So, yes. a week. And you said he's at 30. Is that. a week or per paycheck? A week, which is unpaid weekly. So. Oh, okay. Cool, cool, cool. So total. coming in again, we had 3,85,

but then you had a loan dispersement as. well. Some leftover debt payoff that you. pocketed that came in. That was a pull from a credit line. Why' you need to do that? I don't. honestly remember. So, it probably. wasn't that much of a need. Well, it was a month ago. How do you not. remember? It was within the last month. I don't. You have to remember $2,000. You. specifically chose to pull $2,000.

Mhm. Uh 2,000. Oh, that was something. different. I'm was looking at the $400. one. That was the. pull. Yeah. The Envoa lock distribution. for $418. That is a net credit line of credit. Uh-huh. And you don't remember what. that? I think it was to prevent me from being. overdrawn. Okay. So, um, fine. Give us a rundown. Where are we? What are we looking at? What are we looking at? We got your. income. We got your job. What are we. looking at in life right now? Where. where's Mr. Casey at? I'm feeling stuck in a box. Just not. making any progress. I've just been.

winging it. I don't keep track of much. other than debt payments. So, I don't. know how much I'm spending on anything. else. That doesn't make sense. But if you're. keeping track of debt payments, does. that encourage you to want to put more. towards debt or what what part of debt. payments are you keeping track of? Because, well, I want to know the answer. to that first. I just keep track of the. minimums. Nothing else. And why is that? I That's just what I've been doing. There's no real reason. You have no desire to put extra towards. it. I do, but I just haven't done it. Okay. Why haven't you done it? Because. if there was any desire to do it, that's.

where you start tracking your other. expenses when we create a budget. Now, obviously, we're going to put you. through our budgeting class, which. everyone should go through. But it's in. general you haven't taken that step out. of laziness, lack of discipline, immaturity, lack of discipline and building the. habit. Let's talk about let's talk about uh. habits. This pile of insanity by the age of 27. has required quite aggressive habits to.

get into. My ex was very much a money. pit. Always wanting money from me. She. was playing this whole I want to harm. myself card at me all the time. What? Okay. Well, hold on. That is a lot to. Yeah, it's that is a lot to hear. Oh, okay. Um, what do you mean card? Like, are you sure she That's I don't know. That's something I'd take very. seriously, obviously. Um, what do you. what do you mean? What? Cuz I don't.

know. You bring up the pile of debt. You. bring up the ax and then this is like. what what are we what are we talking. about? I would pick her up and give me a sec. Sorry. Are you okay? Is this fresh? No, it's just kind of repressed. I think. I I've kind of shut it out, but I would. get the stories of I want myself all the. time from her and spend money on me this. and that. And I kind of played into it. for a while. maxed out four or five. cards at the time.

I got these two upstart loans to pay. those cards off and then I ended up. doing it all again. That's what happens. That's Yeah. Through through the same guilt. situation, would you say you built them. back up? Oh, sorry. So, they she said, "I will end it if you. do not spend money on me." That was like. the basically it wasn't quite that. She. was saying that she just wanted to go. buy stuff to feel better type stuff, if. that makes sense. Okay. Okay. Well, obviously that's. hardly a solution. That's a cope,

right? But she's not sitting. You say X. So, when did this end? We separated in April of 2022. Like married or. we were. really, but it shouldn't have ever happened. I. only knew her for six months when we got. married. Okay. Yeah. Just lovely decision making that. Okay. Well, I mean, I am not the one to. judge. You should in this case. Okay. But so uh. 2022 it ended.

Yes. And then I dragged my feet on. getting the divorce done. It was. finalized in November of that year. Did she get anything from it? Did you. get anything from it? I took everything that I bought her back. though. Like the big purchases for. I did not sell it. Did you sell it all? I have not yet. The phone. Yes. I traded. that in actually got me a new one. And. the car. That's not helping. The car. Not yet. What? What? Oh yeah. I know. We're. getting into some cars. Okay. Before we. jump in, I just want a self assessment. Give yourself a score of 0 to 10. Zero. being the absolute worst, 10 being the. absolute best. Where do you think you.

are in the world of finances? Uh double zero. Okay, at least it's honest. So, I have no idea. It's always good to. see it was zero both times. You've taken the quiz? Yes. Ah, if you want to take the quiz, it's. free. It's in the description below. Thanks for that natural segue. Now, let's segue into your debt. Capital One. Everyone Everyone on the. show loves to come in with some kind of. Capital One. This is Capital One. Classic. We have. a balance of oh good $32.15.

on a credit limit of $300. Okay, we. can't blame this on our ex cuz it was. two years ago that we separated. But. you're going and spending on a card. that's maxed out. How the does that make. sense? You went and spent $55.85 after. you only put a $25 minimum monthly. payment towards it and then had $8 or. $6.86 of interest acrewing. Why' we go. spend? Why did we go spend on a card. that's maxed out? We can't immediately. blame the accident and the first thing I.

see is you spending and going over the. credit limit. I thought I was going to have that paid. off last month. I just didn't get to. that point. The whole thing. you did the complete opposite. You did the complete opposite. You built. it up. So why are we spending on a card? You have a checking account. I've seen. it. Why are we spending on a card that. we're maxing out? I just thought I was going to pay that. card off and didn't get to that point. So what did you think you were going to. do? What was this? What was this? I. think I'm going to pay the credit card. off. Tell me about that. What What was. that thought? Didn't keep track of my other expenses.

So, you thought you would have the money. left over? I would have the money left over. Yes. Even if you think you're going to pay it. off, does it make sense to put more. money towards it or does it make sense. to put a higher balance on it? Makes more sense to put money towards. it. Yes. No. No. I meant like Well, yes. I mean, that answered the question. I just I. phrased it wrong to begin with, but. Okay. By the way, did you guys have any kids. or anything? We You have to do things to make kids. That never happened.

Okay. Well, fair enough. But I asked it, so I guess. that is. Well, problems. It's okay. We've had. people on the show who've probably stuck. it in too many times and they needed to. You just went the opposite direction. And. not by my choice. Okay. Well, let's talk about the purchase instead. Car wash. Oh, good. We can get We can over over max out a. card. Do a car wash. What a Stone Creek.

Development. That's the car wash. So, you had another. car wash. I think I did it twice on that card. What? One was at a different car wash. Oklahoma in the spring. What What were. you washing off? Like the the snow I get. and like the salt and the winintry. environments to avoid rust and stuff. like that. That's fine. There's some. there's some actual reasons for. maintenance purposes to do car washes. The [ __ ] are you're twice in a month? Lots of bugs from the commute to the.

other town and sand and dirt. I try to. keep my car clean so when I show up with. people's food it doesn't look gross. But. that's just my thought process behind. it. Do they even see your car? Isn't. everything just dropping off at the. door? 99 times out of 100. Yes. Then who cares? Also, I mean, have you. seen that video of like. there's a Never mind. I'm not going to. Well, there was a video of a girl where. like her dog in the back like took poo. on someone's groceries that she was. delivering and like even they accepted. the groceries. I think you can have a. little dust on your car. Then we went.

inside a convenience store and we just. got some bull taquitos. Again, we're. maxing out a card. Four taquitos. Four double car wash. I don't think. we're doing that if we're a. self-confessed double zero. No, shouldn't be. But here we are. But we are because you thought you were. going to pay it off. I thought I was going to pay it off. But. you weren't able to because you don't. track any of your spending, finances, anything. What's Okay. Okay. All right. Okay. Okay. Okay. I had a 30.48%.

interest rate of death. You're obviously. not a credit card person. If you're. going to use a card, use the Fizz card, my man. There's nothing else. At least. you can use that and not destroy your. life. And it still builds your credit. This is crazy. Destiny. Not the. streamer. The credit card apparently. Never heard of this one. This is a new one. Yeah, there's another one under the same. company. It's a fee. Monthly fee. There's a. They charge a monthly fee and I. genuinely don't. Just close the account. Just close it.

Can I close it while there's a balance? Yes, just close it. Well, some most of. the time. Didn't know that. Close it. We'll do. You've learned. Didn't close it. I don't. know if you guys knew this about me or. not, but I love buying real estate. It's. a great investment and there is. something about it that I just can't. seem to get enough of. Now, I know. buying real estate may sound like a. complicated process, but I'm here to. tell you it doesn't actually need to be. Today's sponsor, Equity Multiple, is. here to make investing in real estate.

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first investment. Now, let's get back to. the show. $646.11. is the balance. on a limit of. 700 bucks. So, we're almost all the way. there again. And then a $45 minimum. monthly payment, $19.64 of interest, $12.50 of fees, monthly fee, and you. only put the minimum monthly payment. towards it. So, it went down $20 even though you put 50. bucks towards it. It's how it works. That's how it works in the end. So, what.

was this card? Did we get this card up. because of the X? No. Two years ago. Okay. So, why is this. card all the way up then? I spent a year. after the divorce just not giving a. about anything. Okay. What were you doing? Affirming everything. Just running cards. up probably on what? Taquitos and. whatnot. Do you stop at the convenience stores. often? Because obviously that's what we. saw in that last credit card. What What. are we trying to do? Energy drinks. That That's my big thing. I have this. I can afford it though.

Unfortunately, it's I would love you to. have energy drinks. I would love you to. glug down whatever you want to gug down. Uh buddy, we can't be we can't afford to. stop at grocery store. Uh well, no, we. can afford grocery stores. That's what I. was going to say is you should bulk. purchase. If we want energy drinks, fit. them in your grocery budget. We have. room in the budget um in the grocery. budget for a single person. You're not Are you buying groceries for. the dad? No, just me. Okay, then. you can get some bulk items like that. Stopping in the convenience store,

again, the word is convenience store. Yeah, there is a big charge for that. convenience. at 35.9%. interest. Mhm. This might be the highest I've seen on a. credit card. Legitimately might be the. highest I've seen on a credit card. Your next card's the same rate. Milestone. Mhm. Oh, me. Okay. Milestone. Milestone of. highest interest. What do we have in here? Oh, another.

$646. The It's the same dollar amount, just. different cents. Same minimum payment. What is happening here? It's the same company. It's It's funny that it's the same. dollar amount with the same credit. limit. Okay. With the same minimum. monthly payment of $45, $22 of fees, and. $19.34 of interest. Again, the balance. only went This one only went down $10. after you paid $53 towards it. Mhm. It's. insane. Oh, credit protection fees on. this one. Great.

35.9%. interest rate of death. Okay. One made. financial. What are we What are we. looking at here? What is this? That was a loan I got to pay off another. loan. And then that loan um line of. credit that I pulled the 400 out of the. loan I paid off with that uh. Wait, wait. What was that last thing. about the line of credit? That was the line of credit that I had. pulled 400 out of previously. Not the one I saw. A different one. the.

400 that was on that initial statement. It's that one. at 31.5% $14,170. They call it a premputed loan. It's a. $7,000 loan. That's just interest. already calculated into it, which it's. kind of scary to look at, but yes. Is there a payoff or is the interest. calculated into it? Interest is calculated into. and you have to pay off that no matter. what. No, that doesn't make sense. So, what's the payoff then? if we paid it. off today so we could avoid paying that.

interest. I think it's just under 7,000 cuz I've. only made one payment on it. It's brand. new. Brand, when did you do this? You You're. telling me you max out all those cards. after using these to pay them off that. quickly? When that was I paid off a different. loan with that. What loan? It was from a company called Rise and. the. Yeah. was like 108%. It's ridiculous. And what was that loan for and how much. was it? This was after the divorce was. fresh. I can't tell you exactly what it.

was for. I think I had my first one with. them for $1,500. legally. Okay. Well, no, it's not that. It's just I. genuinely don't remember. cuz the original $1,500 one I don't know. what I did with and then I refinanced it. for five which dropped the rate a little. bit and I think I paid off that line of. credit and then racked it up again. You're not a debt person. You're not a. debt person in general. Not just a. credit card person. You can't utilize. leverage and debt. You just can't. You.

can't. You can't. You get access to it. and you just borrow and you max. You go. crazy. And we have $7,000 at 31%. With a. $235 minimum monthly payment of 13. This is stacking, man. Mhm. This is stacking. What are we at so far. debtwise? The brand new debt counter has. calculated it for y'all. Now you've been. asking for it. If if everyone's happy that the debt. counter is back and better improved than. ever, make sure you give this video a. like, guys.

And if you want me to calculate your. debt by sitting right there while I give. you a good old. go to caleb.com/apply. $8,595.19. at this point. It's crazy. It's crazy, man. None of. it's even like good debt. None of it's. even going to your benefit. minimum. monthly payment so far of $3508. 13. Okay. Upstart, you mentioned these.

towards the beginning. Mhm. What the is this for? That was when I paid off the cards with. my ex. Okay. So, when was that? That was 2021. I think just somewhere in. that summer. Five year loans. And then you just write. you he just went this is why I'm. I'm not one sizefits-all but I get why. Dave Ramsey's like okay we're not going. to do any debt consolidation over here. up here in Nashville Tennessee. Uh.

because I mean when people in positions. like yours, they rack up debt, they get. it consolidated or transferred in. another way and then it brings that debt. that they got into in the first place. like credit card debt back down to zero. and then they have the limit they can. spend up again. They just they just do. what you do and we've had so many people. on the show that have done that. So again, not one sizefits-all, but. you're not even close to a person where. I would consider consolidation, especially since it's it's a 27.11%. interest.

Was it really even saving money? No, that just wasn't what I was focused. on at the time. I guess. what were you focused on? Trying to get the cards paid down, which. was my initial. It was just I just pushed it though, right? Okay. Up start. one because I know there's a second one. It's a $62 minimum payment and we've. brought it down from 2,000 over the. course of three years, too, which is. insane. $1,26752.

Disgusting. Disgusting. Disgusting. Speaking of disgusting, Upstart 2, the sequel back and worse than ever. Yeah. A balance brought down from in. three years, 1400 bucks to $914. And why. is it worse than ever? I'll tell you. Cuz it's at 31.2. 2% interest rate of. death and insanity and craziness. with a minimum payment of.

$46.33. Okay. Oh, this is a car loan. I don't know who. it's. through uh Bridgerest. Carvana. Carvana. Kill me now. Mhm. What What is this? What is this car? a. 2019 Hyundai Ionic Hybrid. Really? I kind of like that car, but. well, at least the look of it, I know. nothing else about it. But why the why. the do you have this? No, I'm sorry.

This isn't this isn't it's not an income. shame, but you make 20 bucks an hour. I. don't I don't think we're getting that. car, right? We needed something to Door Dash with. the charge. So, we get a car twice or three times of. expenses as you could have gotten. I get. the car that's available with no down. payments. No, no, no, no, no, no. What do you mean. you get? You get What does I get the. card? That's just what I have. This is how you get cars. in this case. Yes. What does that mean?

I wasn't making enough money at the time. because the charger broke down and I. couldn't do Door Dash anymore. I was. looking out for something and just came. across that. 0% down through Carvana. Huh. Yes. What was When did you get this? January. A couple months ago. Really? The $55 minimum monthly payment. How. long is the term? 72. Your favorite. Better than like the new 84s, but me, that doesn't mean it's good. What's the. interest rate? 20. I don't know the exact I think it's. 22 if I'm being specific, but I I'm not.

sure. But you've legitimately like murdered. yourself. Mhm. You're so self-aware of it, which is. good cuz usually sometimes so many. people are just like blindly just like. not even just ignorant, they're just. like defensive and everything. And I'm. I'm glad you're not but so aware of this. like this was just a couple months ago. Like how did you allow yourself to get. into this few years ago? I can. understand it because you know you can. make a lot of progress in life in 3. years in maturity and understanding and.

education just a couple months ago. What. the were we doing? I understand you got. the first one you could get at 0% down. but why why do you accept that? cuz I. needed to be able to Door Dash. I I. could make more money doing that than. getting a second job anywhere else in my. town. It's the dollar. How much money do you How many hours a. week do you drive Door Dash? Uh 30 to 40 on top of my 40 from the. store. 30 to 40. Okay. 30 to 40. And.

what do you earn? Do you have like an average hourly? What. do you bring in through that on a. monthly or weekly basis? What do you. bring in? That's the one that I said was. between 4 to 600 a week that we averaged. at 500. Okay. But that's what comes in. Mhm. A week. Do you take away gas? Do you take away. car depreciation? Not card appreciation. Well, well, I mean, that is honestly, but do you also take away maintenance on. the car? I don't. Okay. So, that's probably not the exact.

number. Plus, you're not sitting any. money aside for taxes, right? aside from that 30 extra coming. out of my paycheck, which might do it because it's not like. you're a crazy high earnner by any. means, but like yeah, it's gonna. whatever potential tax returns and the. withholdings you're getting is going to. be very negated through this depending. on how you have that set up. This year I paid about 600 total for all. my taxes. Okay, it's not crazy. Were you doing. just about as much last year as you are. this year, like all last year? I think I'm actually making more now. with Spark added to it.

Be safe then. Be safe. If I don't want. you to give cuz if you're in a situation. where we're taking out 22% loans cuz we. don't know what the else to do in a. moment of terror. What happens when you. know a $2,000 tax bill comes? Well, what. are you doing on that? Taking on a 25%. loan? Uh can you even take out debt. anymore? What's your credit score? Uh just under 600. Well, yeah. It's like 602 one side, 579 the other. Cana had their way with you.

Oh, there is a nicer version of that car. is the one that I'm thinking of. Isn't. there like a Hyundai Ionic? Maybe like. 2024 version. Looks It looks really. cool. It's like I think they. discontinued that car. Like they don't. make those. Never mind. I don't know. what I'm thinking of then. It's the probably the Elantre. Those. look really nice. Okay. Uh either way, it's worth $10,699. Mhm. We just took it out and it's worth half. of our debt. Yeah. I tried to refinance it and get a. lower rate recently and they told me. that thing you just said and it's not. worth their effort to refinance I guess.

right now. How do you I understand you needed a car. quickly. Okay. So that drives us into a. sense of urgency and we need to like. figure out things but why did you do. zero due diligence in any way. whatsoever? Zero. I had nothing else available. I tried looking into cheaper cars. available. How big is your town? What's. like the metro area? Uh 1500 people or so. Okay. Are you close to any other town? Not really. But you could drive a few hours to get a. car if you wanted to, right? That's what I did for that. I had to go. to Oklahoma City for that.

You're telling me no. Okay. Oklahoma. City. You're telling me no other car. existed in Oklahoma City for sale? Come on. Guess that. Yeah. I guess I didn't look into it like. that. Well, you're just like, you couldn't. Google? I'd been looking through the other ones, but they're just as bad. CarMax. Did you find You found one car. Did you. look at Facebook Marketplace? Did you. look at Craigslist? Uh, not Craigslist, but Marketplace. Yes. There wasn't anything around me. But I also. you But did you look in like Oklahoma. City? Did nuts. Okay. It's just a put in just a little. extra effort in anything, right? Could.

have saved yourself literally $10,000. Man, that's wild. That zero is holding. up. First savings credit card. It's It's not. saving you anything. We have a balance. of $383.17. with a minimum monthly payment of 30. bucks. interest charge $9.31. and you paid the minimum. Okay. What was. this card for? What? Why is this one. That one was back with my ex.

Okay, then why is it only $100 paid off. of the credit limit? Cuz X was two years ago, right? Uh. I started filling them all up after the. divorce. Okay. Yeah, but it was two years ago. $100 has been made progress in two. years. Apparently. No. Come on. Give me an answer. How do. you not know? I have a lot of these to worry about, so. I just don't think about it anymore. But do you put money on it?

Just the minimum. No, no, no, no. Do you spend money? I don't remember the last time I did. It's so interesting. You're so. self-aware and also. ignorant to your own situation at the. same time. Like you can't answer. questions from like 2 months ago, but. you know like that you're in a bad. position and that things were mistakes. Yes. But you can't answer like simple what. happened here. questions. I didn't have my car. throughout the entire month of December. because the charger broke down. So it.

was probably then, but I couldn't tell. you on what. But I just know that I was. like a hundred bucks negative every. single week because I wasn't doing Door. Dash. What do you want to do for a career? Cuz. right now you're working 80 bucks a. week, but we're bringing in 4,000 bucks. That's before you set money aside to. taxes. Almost 4,000 bucks a month. A. little less. I'm content with working at the store. forever. Okay, that's good. But can you afford. to? Not right now. I want to get my stuff. down to the point where I can, which I. think I can once I start getting rid of. stuff. But.

you're content. Uh content. Content's. good. What do you want to do though? Like want. that is what I want to do. Oh, want to be able to stay there. Okay. So, you love your job. I do. like the people, community, all. that stuff. Yeah, I can say that. Yeah. Okay. I mean, I've been there since 2011. I. was 14 when I started there. I pretty. much grew up there. I'm used to it. So, is it cuz you know nothing else? Kind of. But I also like it. It takes. care of me. I just haven't been taking. care of myself to let it show that. Agreed. Are you open to potentially.

Okay. Well, I don't want you to We need. to think about this income thing at the. end because the income was not your. major problem. is obviously your. spending and discipline, but now you've. gotten your debts in such a minimum. monthly payment situation where. it was worse a couple months ago. If you ever think about any changes, I. am lucky enough to have connections. So, if you ever think of changes, I can gift. you like tech certifications to course. careers. I love those and a bunch of. other resources. You just let me know. Um, but I I love that you're in a. position that you enjoy work-wise. Um,

that's cool. It's very manual. Yeah. All. these box movings. Yeah. But, okay. I don't think much of it. Sure. I'm just I'm just thinking. longevity on the body and everything, but. I know people have worked manual jobs. since the history of forever for the. most of their lives and you know it's. okay. But. yeah, I mean if it's something super. heavy, I'll just leave it on the ground. and cut the case open, take stuff one by. one. I'm that's my goal is to take care of. myself in the process. Okay. Now, we went from first savings to.

first national. Lots of firsts. That's same case of back in 2021 and. then just not paying attention to what. I'm doing with it. But again, like I don't think so because. it was since 2021 and the balance on. here is $5681. with a $30 minimum payment, but the credit limit is $600. You can't. tell me over the course of two years you. made $30 of progress.

Something's not adding up. You're not. I probably ran that one back up in. December as well. In what with what then? What were you. getting? What were you doing? What was. the. in your lack of discipline in lack of. being able to. what was it? What what has what racks it. back up in your life? Uh getting gas, getting taquitos, and. just gas stations just Yeah. And what makes us put it on credit cards. versus checking account?

I don't have any money in my checking. account at the time. So, I want you to just seriously close every. account. I do not want you to have. access to these lines of credit anyway. You just you can't. And it's okay that. you can't. It's okay. Just I know if I. have a bunch of candy and my house, I'll. just gobble it down like a fat. So, I. don't allow myself to have access to it. You want to spend any kind of credit. line that you have access to, but it's. damaging to you. So, don't allow. yourself to have access to it. Plus,

your credit's already under 600. So, don't give me the I need good credit. Okay. Okay. You're already Anyway. Yeah. Are you down to cut up your cards? I can. Yes. Would you want to cut them up after we. go through these? I don't have them with me. They are at. my house. I don't keep them in my wallet. for that same purpose. Probably smart, but I would rather go. available because you can order them. You can reorder cards and you can. attach them to digital wallets at a. total 30% interest, right? Okay.

Oh, is this the Oh, credit one. We know. we've entered the the pits of just. absolute death and insanity once we see. credit one. The most evil. It's the. Sally May of credit cards. That I hate. when it comes to student loans. And I. hate credit one when it comes to credit. cards. Okay, let's see. We have a. balance on here of $814 on a limit of. $800. Why is this above the limit? I. missed a payment twice on that one. No, but you say I'm aware of the.

payments. That's your thing that you're. aware of. Why'd you spend money on that. first credit card that we saw? Why did. we spend money on that first credit card. you saw? If we're missing a payment on the worst. credit card that's ever like existed in. this world, I did that on both of those cards. No. Why? They were due on the same day. I get. home. If you don't make the payment by. 5:00 p.m., then it's considered late. And I fell asleep. This happened twice. the day before I get paid. You don't have auto payments. You don't. have auto payments. No, I manually.

because you can't manage your money. No. Listen, personal finance is hard and I. struggled with it for a long time until. I personally educated myself. We decided. to create resources that can actually. help people at an affordable price. So, if you want to learn how to budget, we. have the best budgeting program in the. history of the internet. But if. education and quizzes and resources like. that are not what you're looking for, we. also have a unique coaching program with. a licensed professional who you can sit. down with cheaper than anywhere else. We.

made these resources for you so you can. change your life around and have the. best financial future possible. They're. at the top of the description below. I. highly encourage checking them out. I'm going to overdraft my bank account. if I do that on some of those. mother seven. $75.74. of fees. kill $18.18 of interest. I You. know why I'm like actually like kind You. know why I'm like raging right now? I. rage for many different reasons. I know. my rage is pretty similar across the.

board, but I rage for different reasons. Usually I rage cuz the person in front. of me is like all what's a debt? I don't. know what a debt is. I'm raging because. you're aware of your situation. You're. nice. I legitimately like you as a. person. And this is so bad for you. And. it hurts to see. It is tearing my heart. out that credit one out of all them. You're. This hurts, man. This is like You're so.

nice. You're so aware. You're like the. last person I would want this to happen. to. And there it is. Annual fee of $39, credit protect of. $7.74, and a late fee of $29, and. interest of $18.17. Absolutely. End me. Oh, okay. Prestige. Oh. Oh, the balance. This This just keeps.

going. This just keeps going. $19,18427. with a minimum monthly payment of. $513 and110. What is this for? That is the Charger. Charger. Car charger. Oh, we have a. Dodge Charger. Here we go. Okay, I went. from liking you. That's a quick way for. me to not like you. If I can defend. myself here, I didn't want this car from. the start. Yeah, I don't think anyone should want a. Dodge Charger. Piece of I agree.

Worst car ever. It's I hate it. that people drive up into the Dodge. Charger and I'm like that that's the. ugliest thing I've ever seen. You're an. embarrassment for driving that next to. me at a stop sign. Yeah. I don't feel like I fit the. demographic of that car. No, I don't know what the demographic of. that car is. I could be on a pink. bicycle with flowers hanging from it and. I could be ding ding ding ding ding. riding up and I pull up next to a. Charger and I look cooler than that. piece of Charger. Dodge Charger. Kill. me. Yeah, that. What do you mean you didn't want to buy. this? Why do you have this? My ex wanted it.

Oh, we're back to the X. your ex wanted. She was very specific about wanting this. specific type of charger. Wait, why is it your dad's? I That's a great question, but I just. bought it. She wanted it and I did what. I could. So, you went into debt? Yes. Wait, the balance. Oh, this is But you. when did you take this out? Cuz you. broke up two years ago and the balance. is still high. January of 2021, I believe. So, right before you broke up? Yes. A couple months before. Is she on the credit? No. This. She was not on the application at all.

Where's the car? Is she driving it? It's broken down in my driveway. I'm going to just pop brains in here. This is the one that broke down and I. didn't have a car for a month. Then I. got the other one, the Hyundai. H. What's it broken down? The oil filter assembly on top of the. motor broke or it was to fix. I don't know. I bought the new one and I. was going to fix it and broke some more. trying to fix it. So, what? Why? You could took it to a. mechanic, borrow $2,000 to get it fixed.

Let's assume it's that, you know, three. Even if it's $5, even if it's $10,000, that would have saved you $10,000. instead of going and getting the other. car. Yeah, that's crazy. $20,000 in debt instead of. instead of doing a oil repair. $10,000 $20,000 in debt instead of doing. an oil repair. That's the most insane. thing I've ever heard in my life. What. was that? What is that, buddy? That is a. That is a decision. What kind of. decision? I wanted something cheaper to.

operate, which. what cheaper to operate? I don't think. doubling your car debt from 20 to 40 is. cheaper to. Oh, this is this is this is mindboggling. cuz I'm trying to trying to put myself. in that position real quick. And I'm. just trying to think in what world would. I ever think doubling my car debt. instead of doing a repair is what's. makes sense. Um, a couple months ago, 20 bucks of gas a day versus 20 lasting. me half the week. Buddy, buddy, buddy,

buddy. You still owe this debt. What's. even the point? Like, you just you. doubled your debt. If you got rid of one. debt for the other debt and your gas was. cheaper. Sure. Let's go. That's not where we are. That's That's not even That's not even. close to what happened here. Yeah. Long-term goal. I do want to fix. it so I can sell it and then get a gap. loan, pay the difference, but I'm. nowhere even close to that. I'd say fix it and sell your other car, but it's only worth half of what? Tell me. Okay. What's this worth? Well, this is worth 7,582.

But was that broken down? Uh the the Dodge Charger is. Yeah. valued broken down. Yes. Okay. So, it's valued at that 7,582. Can we get a prediction on what it would. be valued uh fixed? I think it's going to be like 12. Really? Maximum 12. [ __ ] me. But that was also underwater so much. looking at it. So, we are currently underwater $30,000.

in our vehicles. There's another one. Not near as bad, but there is another. one. One man, three cars, two bricks, cuz the other one doesn't run either. The other one I ran into the ground. driving her to and from Dallas going all. the time. It was burning all of its oil. I. couldn't figure out why. So, you take it to a mechanic.

Well, it ended up just breaking down on. the side of the road commuting to the. other town for Door Dash. Door Dash instead of. What's the interest rate on this large. charter of. On the charter? It was initially 21, but. it's since come down to 17.5. Oh, good. It's down to 17. Oh, good. Made the payment cheaper. Yeah. from 575 to 5. 13. 1310. Yeah, it came down to. I think they added three months when.

they did that too. You. they called me and gave me the option to. drop the rate and they said that was. just part of it was adding three more. months freed up more monthly money for. me. So I just said. why not? That's what I'm about to say. Except I still like you. So I am. sometimes I want to give up because this. is just like devastating. This is like I. couldn't What does the weight feel like. to you? Cuz just the weight of going. through these numbers to me I feel like. I'm being crushed. How do you feel on a.

daily basis? Like I can't breathe. Yeah. But I persist. I have no other choice. Okay. Yeah. It's what a man does, right? Something like that. He just persist. Real A real man wouldn't have a Dodge. Charger, but. I laugh at myself in it, too. I get it. Okay.

Okay. We're laughing through the pain, folks. We're laughing. That's part of why I wanted to move on. from it, but still have the debt. Yeah. Quicksilver. Oh, we And we persist. through this pile. Uh oh. Oh good. Oh good. Oh good. We owe. 500 $1057 on a credit limit of 500. Oh.

good. Minimum monthly payment was. normally 25. Why is it 46? Cuz that was due the same day as those. other two that I slept through. You need Oh, you need a budget. You need. a budget more than anyone I've ever met. If you know a payment that's coming, we. budget to make sure we have money that. through Oh, the money was there. I just didn't make. the payment on time. Why? Cuz I fell asleep when I got home. Didn't pay it in time. How did someone just How do you I'm walk. I'm picturing you just.

walk in. Oh, that's pretty much it. Yes. Like like let's do a couple actions. before that. Like we go. walk in. Oh, okay. mostly like let's do that. instead, right? You would think, but. if there's a time to something up, I. will find it. You just never found time with your ex. to that. That That didn't make any. sense. I I tried I tried to make that. made no sense. I. I tried.

I make that same joke myself, too. It. was kind of painful going a year. without. So, okay. Well, okay. Don't I I keep getting. into it, then I get another detail that. I don't need to know. It's painful. Oh man. Okay. What was more painful? That or this debt? Yes. Okay. Uh Okay. So, $1285 of interest, $25 of. fees and it was for them as payment. So, pass to Yeah. 30% interest. This must be.

that other car. What is this car? That is a 2016 Hyundai Sonata. Now, why why does this one exist? That. was just what I had whenever all this. Why Why is it still here? Um, that's what happens when you have a. fiveyear loan. You're past the lifespan. of the car and then you're. When did you get this? Like 2018. I've had this forever. The maturity date is November 2025. I. refinanced it at one point cuz it. started at 19%.

With Wells Fargo. Now what is it? Uh 9 something 9.6 I think. Usually. that's considered a bad rate compared to. the rest of your debts. That's one of the best ones I've got. But that was before I sane to say. Wait, before what? I refinanced it before I got all these. cards and maxed them out. So it was my. credit was a little bit better. I was. like 650 back then. Uh Sonata. Okay. Sonata. It's broken down. Not going to run. Yes, it is. Good. My carport broken is currently got a.

wall sitting on it. What the We had a big windstorm. Can you. take a picture and send it to us and put. in the video? I have a picture at the ready. Yeah, I'm curious. We'll put this on. screen for all. Oh, wow. Yeah. And what's wrong with the car other than. that? Uh engine issues. I'm not sure what's. specifically wrong with you. You're. allergic to the mechanic. Like that's a bill I don't have an. emergency fund for. Yeah, but you've taken out $20,000 and.

what? You didn't have an emergency. What? You couldn't afford the other. minimum monthly payment you took on. I didn't know how I could get a loan. without anything for it. So, being. security or whatever. Oh, this is the last time. Okay, then. we'll add up the minimum monthly. payments cuz this has to be just wild. You have a mortgage? Yes. Speaking of which, I mean, you probably. have insurance on. Why don't you use. that for the carport? When did the. carport happen? Sometime like October, I think we had a. big windtorm. It ripped out entirely cuz. I wanted to tear it down eventually.

anyway. And. the carport? Yes. Mother Nature just kind of helped. Yeah, but you haven't done anything. Unless that's an old picture. I took that picture a couple days ago. You don't do anything. You actually do. work. Mhm. I get home when I'm just tired. Well, yeah. You work 80 hours a week and. you're making no progress. Okay. But we have a mortgage. Yes, man. Smalltown Oklahoma. Apparently, that's where to move, folks, because you. have a $47,000 mortgage. That's insane.

Yeah, it's a. that that's a down payment on a normal. house. It's a fixer upper, but it's got quite a. lot of land to it. It's corner lot. Yeah. Garage and a used to be carport. Uh I. don't know off the top of my head. How do you Do you like it? You like Are. you happy with that? Yeah. There's a lot of stuff I want to. do to it, but I can't do it. Okay. But you want to stay there? Yes. Very good. 4.7% interest. Okay. $528. minimum payment after everything. That'll be about $450 in a year. there. was an escro shortage, so they bumped my. payments up a lot. Okay.

So, it was like 430. So, that was kind of a shock. about a year from now. Yeah. Okay. So, fun little fact. over the next six years that you're. going to be putting the minimum car. payments essentially essentially. oversimplifying this of like 1,500 bucks. a month towards. Uh this is a little. graphy that we made. We'll put it on. screen as well. If instead that money.

wasn't going to the car, which by the. way, these are the depreciating ever. depreciating value of the car is this. If that money was put in the overall. market instead, let's say at 7% to be a. bit more conservative, doing the overall. stock market since the beginning of the. history to the ending by the end of. retirement. And this is only putting 1,500 bucks. away a month, which is what you put. towards the car payments for the next. six years. This isn't forever. This is. just the next six years. That's where. the line all of a sudden stops growing. as quick. It still compounds and grows and grows.

and grows to a million bucks by the time. you retire. But instead, all that is going down to two broken. down cars and other ones with 30%. interest, which by the way is a higher. number than 7%. That's scary to think about. Yeah, it's like not even just scary, it's like it's legitimately sad. That's. a potential $1,000 or $1 million that. you could have had at retirement. that over the next six years is just.

going to paying down the cars on a. minimum that's required. So you said you have these extra things. from your wife. What's the value of all. of that? You got all these things that. you bought her. You said. it was Apple Watch, iPhone, the car. Well, that you still have. Those are the main things. Just the car. is the only thing I still have. Okay. the broken down uh Sonata that looks to. be. worth about $2,618.

And we owe what was that? 5,819. I want to get your minimum monthly debt. payments cuz we're going in your. checking account next. But we just went. through what? 1 2 3 4 5 6 7 8 9 10 11 12. 13 14 debts. There's another one. There. is one affirm account. Well, before that, with the ones that we. knew about, your total debt is $113,159. Okay. 47 of that being a mortgage. But.

even still, what's this affirm? Uh $450 bucks due right now. And which cars, by the way, do you have. car insurance on? Hopefully not the ones. that are just sitting there broken. I was under the impression I needed. comprehensive on them because I'm still. paying for them. So, I have. comprehensive on. You're right. Many car. loans or most car loans if not all car. loans do require returns. There might be. statebystate things, but. I haven't looked that much into it. I.

just assumed. All right. Well, I mean, your debt minimum payments are. this is insane. This is like actually. you've dug yourself such a hole. It's. very sad. I don't think I told you the. affirm payments like 52 bucks. Oh, well, you said that 450 is owed now. That's the total balance. Oh, 52 for the affirm. Yes. Okay. So, your minimum monthly payments. now with the affirm thing.

are 2994.41. But let's minus the 528.46. called the mortgage. Even though yes, that is a debt. I'm going to put that. under your rent/mortgage. because it is different and it's your. only like good debt. It's benefiting. you. Your bad debt $2,465.95.

on a monthly basis. So to be clear that. just straight bad debt, not even. including your mortgage. Let's assume. you're setting money taxes aside. So. let's just assume just a couple hundred. bucks. Almost 70% of your net income goes to. bad debt to minimum monthly payments. That's wild. Okay. Checking account. So, yes. What is this? Uh, you're borrowing 800 for your tapping.

equity for 418 bucks. That was the line of credit we. mentioned. The line of credit. Yeah. Oh, okay. Line of credit through what? Uh, net credit. Oh, okay. Going in. Getting some bull. from the store. Getting some [ __ ]. from the store. McDonald's. McDonald's. [ __ ] from the store. Taco Bell. [ __ ] from the store. Taco Bell. Taco. Bell. McDonald. That's frappe or bad habit. Okay, stop. Solved it. Going to the store. Getting. some [ __ ] Taco Bell. Taco Bell.

Yeah. Or is that beef bad as well? Their breakfast quesadillas are pretty. off. So you go to two places. That's. insane. It's good stuff. Just Okay. Okay. Don't make me go from liking you. to not liking you. I'm sure it's great. I'm sure it's great. Shut the Taco Bell. Oh, no. McDonald's again. Then Taco. Bell. Going to store getting some bull. Taco Bell. McDonald's. A different. convenience store. Going in and getting. some bull.

[Music]. Oh, Taco Bell. Oh, a firm. There's the. one we just talked about. And Taco Bell. And another convenience store. Going and. getting some bull. Going in and getting. some [ __ ] McDonald's Taco Bell. McDonald. You go to McDonald's and Taco. Bell every other day. You're just like. McDonald's and Taco Bell. Which one am I. picking today? Right there while I'm dashing. Yeah. And then on the way back, you're. also stopping in a convenience store and. getting some stop in a convenience store. and getting some bull. Oh, we mixed it. up. We went to Arby's that time. Wow. They have really good chicken tenders. That's great. I am just I'm thrilled. I'm beyond just That's awesome.

That's just wonderful. You did not get. $218 of groceries at Walmart, did you? I. feel like you went in and got some. [ __ ]. Oh, what the? Um, my dogs needed a water. bowl. They ate their last one. They ate their water bowl. They ate the damn thing. Get the metal ones. That's what I did. What kind of dogs do you have? Uh, four. Well, so they did not have water. They didn't. have metal ones. Correct. They did not. They had this big. plastic bowl and Yeah. Right then. McDonald's. Get in. Go. inside. Go inside. Get some. This is.

thing for someone. You remember You. remember you missed three payments. You. missed three payments. Well, we're doing this. Talk about talk. about Arby's going inside. Get some. bull. Go. Oh, there's tap, $700 of. credit again. Go inside. Get a McDonald's and a firm. You say,,,,,,,,,,,,,,,,,,,,ly. right there. pal. Old man. Okay.

I'm pretty sure that was the payment to. pay that off. You're right. It was. Just assuming it's. you borrowing it at this point. But you right. You're right. There is. first of all nothing in savings, general. savings. Correct. Right. Okay. For what it's worth, we have 4576. in retirement. Is this a Roth IRA? What. are what are we looking at? It is a simple IRA. Okay. So, 27. I mean, certainly behind, but I'm. glad you have something started, but. either way, none of it's competing with.

the 35% interest rate on that on those. two credit cards that have that. insanity. It looks like you're mostly in. the NASDAQ, which is a bit interesting. It's a little more uh a little more. volatile, a little more ups and downs. are a bit higher. It's all managed. I have no idea what's. going on in there. Well, it's all in the NASDAQ pretty. much. I don't know how you expected to. golf, by the way, when you work 80 hours. a week. I don't know what I was thinking either. Okay. Sounds like a good idea at the. time. Does selling them sound like a good idea. right now? Um, they're a cheap brand. I don't know. what I'm going to get for them, but. any amount you're not using them, and.

you have stupid debt. I I I I. legitimately want you to sell everything. in your house except for your bed and. when it needs to cook groceries. Like literally everything else. Like. what's the point of them? I don't need. you to have anything right now that's. not for basic necessities, right? I mean, I'm hardly ever home. anyway. You're drowning. You're dying. Your. debt's going up. You're tapping equity. to make payments. Like, or not tapping. equity, you're taking out lines of. credit. It's absolutely insane. Like, sell everything. What's the value of your house right. now? I have no idea. Credit Karma tells me.

it's like over a hundred, which is. absurd. I don't think so. Type in your address. It's not going to. be perfect because it's Zillow, but it. gives us an idea. Caffeine drives my insanity. and gets me through these conversations. While you're doing that, spending in a. budget net 2,900 $2,290 worth of debt or. 36.7%. Housing 8.2%. That was your mortgage. $51346 if I'm not mistaken. Yeah. Oh,

no. That must have been utilities and. other Well, we'll see. Let me make sure. No, that was your mortgage payment, but. okay. I guess it just went up a little. Transportation $352, which is that's. insane cuz your stupid car is $2,198.3. [ __ ] Going out to eat $31024. Unknown shopping, it's basically. Walmart, Amazon, anything like that, 1.3%. medical healthcare 6% savings 0%. I don't know why that's on there because.

it was zero. That's funny. Other large purchases uh it probably. rounded down to zero. Um but other large. purchases 12.9%. Those other large. purchases we're looking at, uh PayPal. out, cash app out, and a tax payment. Right. Zillow is not being nice to me. I'm typing in one letter and it keeps. coming up with another. Can I zoom in on this and just click on. it? Sure. Total that came in. for income was 4,000 bucks, but total.

that went out was 6,238, which is why you then took out $2,000. left over from the debt payoff that you. pocketed and that dispersement of $418. So, you had to do that to essentially. break even. Yeah. Because you're dramatically negative. I. I'm going to show you what's happening. here. See that top one is what I'm. trying to click. It's taking me to. something completely different. That's not your house. That's not my house. It's. okay. It's fine. But you think it's.

about 100. That's what uh credit me. Okay. Well, let's just maybe say 90 or. something, you know. Yeah. And. that's like the good thing you've done. That's the one good financially. Sure. You've done good things in life. Financially, that's the one good thing. you've done. And the thing is, it's just. like. you're already working 80 hours a week. and we're still $2,000 behind what we. need to make it. Well, no, with your spending. So, let's.

get your exact thing. What about. utilities? What are your utilities? I. don't pay utilities at all right now. Cuz my dad pays the utilities. I pay. Right. What about internet? I don't pay any of that. My mortgage is. the only home expense. Cool, cool, cool. $100 for TP fund. That's anything you need to survive in. life. That's not included in the budget. When you go through the budgeting class, you're going to get everything down to a. tea. We're just trying to get a broad. understanding. Groceries, $300. Use the meal plan that. we give you. Uh, and can create your own. and adapt it, but $300 is just enough. for you. It's perfectly fine. Phone.

bill, 210 right now. Let me guess, they're all financed. Two phones that are being financed. Yes. Why? Because I broke one. I had a very stressful day with my. parents in my house. She was up front. screaming. Her mental is jello- I'm. walking back and forth. Your mom? Yes. Okay. So, she does not live there, though. She died in January. I'm very sorry. It's that's a whole different story. Uh. but point being, she was in there. screaming as she does cuz she's just. mentally gone at that point.

Okay. And I'm kind of losing my having. computer issues. and I slammed on the back of my chair, destroyed the phone. Okay. Need a phone at Door Dash. So, I went. and got the same phone. When you're done with the phone. payments, I'd switch the helium. So, it's 20 bucks a month. But even still, you might be able to transfer over your. service, but Okay. What is it again? Uh 210. Okay. What were we going to say? I owe like 800 on both of them. Yeah, that's crazy. Gas on a monthly. basis since you're not already taking.

that out of your income for Door Dash. So, how much for gas? I'm guess. 250. Since I fill up twice a week, it's. like 28 bucks a week. So, I'm being. generous there, but I'm. Okay. car insurancees. Car insurance I. $269.75. for all three. For all three. That's not bad. It's not. It was uh 308. So, one more time. Two. 269. Okay. And I think 75. Okay. Okay. Debt payments. We got medical,

healthcare, gym, anything like that? No, I'm good. Okay. Subscription is not even [ __ ] an. option. Not even close. Not a. subscription to name. had one but I got rid of it as I. finished the show I was watching. Okay, great. Crunchy roll is worth it for one. month. There's some good stuff on there. Okay, it's closer than your last month's. spending suggests, but even still 80. hours a week still being $300 $200 under.

what we need to survive. Your minimum. survival is $4,124.16. on a monthly basis. That's without like. a literally any fun. $3,895. is what comes in. 36. 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 the personal high yield savings. account that I use for my money. So, don't let your money be losing money. while it's just sitting there. Click in. the link in the description below and. get those bonuses. So, I have some ideas. and I'm willing to talk to them, but I'm. curious where your head was at before. this. Did you have uh did you have a. plan? What what were you if we didn't. meet today, what was going to happen. continue? What was what was tomorrow. going to be like? What was two years. going to be like from now? um two years.

I'm just hoping for the best but I've. just been winging it and that's probably. what I was going to continue doing was. just winging it and not making much. progress. you know, you're you're making. negative progress because you're tapping. lines of credit. There's a few options. One that's stressful, expensive, time. consuming, will for a while. There is bankruptcy. Try you keep the. most important car. Fight to keep the home. I've debated it, but I. I think I can get through it without.

doing that. I agree, but I'm on I'm throwing. everything on the table. I'm throwing. everything on the table. There's that. and then really most any other assets. they will, you know, you're just gonna. uh there's to sell everything you own. except for what you need to make the. food and sleep. Like other than that, I don't know. Like. have one plastic cup and one plate and. just, you know, could the could the dad chip in more for. the I mean, it's your mortgage. He's not. under it, so I don't even know if I want.

him to. He's already taking care of. utilities, but I don't know. I would like to have my house back to. myself is the thing. I would like for. him to be put into the home. He's. getting old and he's. How old is he? Somewhere in the 70s. I'm adopted up. He's by blood my grandpa. Okay. So, but I don't have a great. relationship with them. I never have. Yeah. I mean, you said towards the. beginning there's a whole story. Do you. want to. um I was planning on moving to Texas. with my ex and I needed somebody to rent. my house. So, I go see what they're. doing. and they are about to get foreclosed on.

Oh. because he had this genius idea that. this big water pipe burst under the. house that it was the mortgage company's. responsibility to fix that, not his. I. don't know where the hell they got that. idea, but. yeah, they were about to get kicked out. So, I kind of took advantage of that and. moved them into my house. They did pay. rent for like the first three months. Then I realized, I'm not moving to Texas. and now I'm stuck with this. So, I told them if they pay utilities, I. pay the mortgage, we'll be good to go. And yeah, they trashed my house in the.

process. So, what's the future for him? You said a home. Is that really it? I think so. His only income is social. security income and like a $100 a month. pension from his job. It's not even going to be like a great. What does he want? I don't know. I don't talk to him at. all. So, you guys see each other? No, actually. You don't pass each other? I come in through the back of my house, go straight to my room. I don't talk to. him at all. Your room of your own house? Yes. This has to be so awkward. Probably to him. When was the last time you guys saw each. other? Uh, yesterday. And it was honestly on.

accident. I don't like to. I just walked. in and he was in the kitchen. Normally. he's up in the living room just. chilling. And what happened? Just said hi and went on my way. What did he say? Same thing. They asked me how my day. was. I said fine. Then just walked in my. room. Didn't. What does he think of this whole thing? I don't know. Come on. You have to. I don't hang out with I don't talk to. him at all. When's the last time you've had a. conversation? Uh when she died. When my mom died. Wow. Back in January. And why is the relationship so bad? stressful childhood. She had early.

stages of dementia growing up and was. very bipolar, getting yelled at every. single day for everything that wasn't. really me. What about him, though? He was never home. He worked nights just. Yeah. And when he was home, he was drunk. and Yeah. How's the sobriety and drinking now? Do you even know? That was pretty crappy because after she. died, he did get drunk and like fall. down. I had to call an ambulance and. whatnot. and because he hit his head on the way. down and Yeah. I would like my brothers to be more.

involved with it than they are, but. yeah. Wait, how many brothers do you have? Two. They are their actual kids, so. biologically they're my uncles. That. probably doesn't matter, but. it's their actual dad, not mine. And why aren't they involved? I don't know. They come like hang out. with them from time to time, but yeah, I. don't I'm not a part of all that. I. don't want to be a part of all that. You. seem so disconnected from everything. I very much am disconnected from them.

No, from everything. Oh, yeah. I think that's mechanism. Debt and life. Do you go out? No. What What do you Do you have friends? Yes. Okay. What do you How often do you see. them? We have a group chat. Your face is. actually the picture of. Okay. Well, he is uh like my personal Caleb. that I have not been listening to, obviously. Okay. His score is nine. Oh, good for him. Yeah, it's a very good score. That's an. incredible score, actually.

Okay, why haven't you been listening? That's a great question. No, come on. Why haven't you been. listening? Come on. I don't know. I genuinely don't know. I've just been doing and. So, do you guys live close or he lives. in the same town as me? Okay. You guys hang out often? I just. want to make sure. Okay, go ahead. We don't like hang out hang out because. he's always busy. I'm always busy. Yeah. Yeah. But I just want to make. sure. Yeah. Um therapy. Have we considered that? It. sounds if there's a if there's a. candidate. I've thought about it, but I don't know. where to fit that in right now when I.

make some progress on some stuff. Look for some virtual options. I know. you can find one hour a week, one hour. every other week if you want to. Yes. You have health insurance? Yes, it's fully capable. through through work. Then utilize it. You you'll have co-pay. Sure. Um, another option that's it's really. again another. we really tap into the equity of the. home by potentially selling the home. You've made good progress. Again, this. is the good thing you've done, but. getting a check, say, uh, how long have.

you owned it? Uh, 2018. Perfect. So, you'll have no. uh, capital gain taxes on that if you do. this. And. um. let's say you get $50,000, even $40,000. just I mean that covers your two biggest. debts. Like that's gone. That lowers. your minimum monthly payments by a thou. $1,000. Like that that could be. life-changing. Um obviously we want to. get you into home ownership again and I.

think you'd be able to How much did you. put down on this home when you got it? I didn't have to put anything down. It. was some firsttime home buyers thing. I. didn't have to put anything down at all. Okay. They even got me out of paying the. closing costs. I don't know how they did. that, but they did that. Again, this is But so my my struggle is. you're already at like almost max like I. don't want you to get to an unhealthy. position where you're like falling. asleep on a job or like you know we're. putting health things at risk. I'm still getting eight hours of sleep a. night. I know. But but you're but you're at. that for 80 hours a week you know thing.

if not more sometimes you said maybe. Like but we're still negative $200. So, how do we make that up? It's. I don't think I'm negative 200 like a. month. Yeah, cuz I don't feel like I'm that deep. It's not a feeling thing. It's 5 to 600 from Door Dash and Spark. I'm just taking what came in this last. month and I didn't even put money aside. for taxes. Mhm. You know, I didn't even put money aside. for taxes. So,

I know you love your job, right? This might How far away is like Oklahoma. City? Four hours about. Oh, yeah. Uh, what's the closest uh metro of like. 250,000 to. Oklahoma City? What's your town called? I'm up in the panhandle of Oklahoma. Oh jeez. Right there in the middle of nowhere. Was there? Yeah. There's a meme about what goes on. there. This is what goes on there. I am a map nerd, so I am happy to Wow.

Yeah. There's like five streets in your. town. Yeah, it's pretty small place. Everybody knows everybody. Uh there's. Liberal Kansas. That is where I go to Door Dash. Really? You drive to Liberal Kansas? It's about 35 minute drive. And I bet no one in that town is. liberal, by the way. No, that's the fun it's a funny name. Uh. what about Peritton? I think this. I don't like to go back to Peritton. That's where I met my ex. Okay, but come on. You There's nothing.

there though. It's small. There has to be like a warehouse job to. We can maybe make an extra like four or. five bucks an hour though somewhere, right? There probably be National Beef and. Liberal, but I'm not open to that. honestly. Why? I think I make enough. But you 80 hours a week and you don't. It's not It's not a think. It's not a. think. It's a literal mathematical. basic plus and minus. I You're tapping into lines of No, cuz. you're tapping in lines of credit. Mhm. That's what you did to make the ends.

meet this last month. I was going to say another thing to like. that could just help you. I know you. love this job and I like that you like. this job, but it's like we already. talked about selling the house, but also. then just move to a major metro. That is. a uh a thing that kind of sucks. sometimes. You if you weren't in a whole. you could small city America like you. really could because yes, there's lower. cost of living there. There's also lower. income there associated with that. But. when you get yourself in the same amount. of debt that someone in, you know, city.

that's making twice as much as you, you. know, doing similar work, it's like it's. a different situation because they can. get out of it much easier than you. Selling a job and moving to uh like. Amarillo or even Dodge City, you know, like even that for a couple years to get. out of this and then move back home if. you want to. I'm sure your job's not. like like hard to get, right? like if. you really want it again, you know, but again, leaving a job that. you like, leaving your support system,

which is your friend. Um, and who knows. what would happen to your dad after you. sell it. But what about Dodge City? Can. you work there? Commute like an hour and. a half. The same job that I would get there is. the same job in Liberal and National. Beef. Okay. And why? I actually tried National Beef in 2017. and I was making more at the store. Okay. I don't know. Well, are are you. sure? Cuz Dollar City looks a lot bigger. to be honest. there's more. opportunities. I don't know what else would be there. Well, look, I mean, it's like your car. thing. You looked at one car. Like, you got to put a little effort.

into something. If you don't put effort. into this, you're never going to get out. this. And you obviously don't make. enough. So, I see three options. And leave comments. below if we're thinking of more options. cuz, you know, this is we're doing this. live, so. it's easy when thinking on it. And. obviously, the more ideas we have, we'll. send them to you. But there's. bankruptcy. They're selling the house. They're selling the house and moving to. a better area. And there's commuting to. trying to find a better job and actually. putting effort into finding another job.

because right now we're going double. full-time and we're still $200 under. You're literally never going to get out. of it. So, it's like one of those four. options right now. None of them are what. you want to do, but one of them might be. what you have to do. And you're just you. need to choose the one that is. your least hated at some point, which. really sucks, but that's I think that's. kind of where we are. It's it's going to. take a hard decision and it's going to. take a big sacrifice. And the the sucky.

part of about this conversation is is. ending kind of on a downer. Um because. you're you have to make a really choice. But I like you a lot. like you're you're. a really nice person. Um you're you're. definitely defeated and beat down and. like you know I can I'm getting that. vibe and I get that and I would love you. know. we need to incorporate therapy into the. budget as well because I think you can. actually have a really good life um if. we're managing if we're budgeting but. you're going to have to do something to. get out of this debt and at some point.

something's going to give. The banks are. going to come after you everything's. going to fall into collections like. you're going to lose the house like. there's going to be something's going to. have to give if you don't put an action. into it. So, it's kind of your choice. from here what you decide to do. Those. are I would do one of those four things. Me personally, because you can always. get a house again. Again, I don't want. you to get out of that equity position. I'm selling the house. I'm moving to a. metro area for a couple years and I'm. paying off all the debt. That's what I'm. doing. That's a choice I'm making. And. then I'm saving up to put a down payment. down on a house again and I'm catching. up on retirement. You know, you can.

invest anywhere. You can open up in like. buddy if you get out of this I will. personally fund you opening up a. brokerage in mumu you know and just. getting some like stock picks and stuff. like that. There's a lot of exciting. things that can be done. There's also obviously selling the cars. are selling the cars. Your equity. position uh that's going to save 15,000. bucks or so. Mhm. Uh selling the two cars that aren't. drivable right now, right? Um that's going to help a little move. the needle. It's going to be slow, but.

it starts mo it starts moving the. needle. That helps. And it it it uh obviously you still owe. the bit of monthly payments on those. until you pay them off, but we would. tack them. Um but it should limit lower. the car insurance as well. And if we're. $200 short, you know, limiting some car. insurance, you know, the more and more. we help, the better. I can talk to my lenders and. see if there's anything I can do about. that since they're not running. They're.

not sitting on public roads or nothing. They're just broken down on my lot. I. don't know the laws about that. Yeah, exactly. And honestly, if you just. make a little bit more money, what's I. want you to work 90 or 100 hours, but if. you do, some of these credit card. balances are so small that if you knock. them out relatively quickly, it starts. lowering your minimum monthly payments. pretty dramatically. you knock out like. four of the smallest, five of the. smallest and you're almost breaking even. again. So, there are ways like that, but. again, my struggle is like you've. already got 80 hours a week and you're. negative. So, there there there's there.

there's methods. There's methods. This. just requires hard work, hard. sacrifices. Well, start looking into selling things. See what I can come up with. Yeah. If you snowball it, you snowball it and sell the cars. you. sell the cars, instead of putting that. money towards the car debt, you can put. it towards the smallest debts, which. starts minimizing some minimum monthly. payments. Then you roll that extra money. if we're starting to break even and make. even, you know, a little bit of a profit. on a monthly basis. Start throwing that. into continuing the snowball. There.

there are ways out of this. There's ways. out of this. It's it's going to take a. lot of work. It's going to take a lot of work, sacrifices, but I don't know, man. It's. kind of up to you from here. We'll walk. with you. We'll help you. But that's. what I think. Let me get you a hammer. financial score. Make sure to stick around for the post. show. We'll come in. We'll have a more. light-hearted conversation. Noah was. going to come in with his autistic. energy and just go wild.

Spending in a budget. Well, I mean, you. had to tap credit to continue your. spending. So, I mean, zero out of 10 is. not even close. You don't have. collections or IRS debt. So you're not at RMAX, zero on debt, but. it's really really bad on everything. else. So it's a one out of 10. Emergency. fund, you don't have anything. Zero out. of 10. Retirement. behind for your age for sure, but you. are getting started. I'm going to give. you h I think four is a little generous. 27. at 5,000 right now is it's $100 a week. going in there. I'm between a three or four. I'm going.

to be generous and give a four. Real. estate, this is where you, you know, we. have something good. You have, you know, like $50,000 of equity or so. And the. interest rate's not bad either. um you didn't get it at the absolute. bottom and if you did your credit score. just wasn't great. But yeah, I think. that's a solid 6 out of 10 just cuz the. rate. I don't know. Seven out of 10. Seven out of 10. Think that's going to. pull your score up a bit. Might be generous, but that's where.

we're at today. It's a hammer financial. score 2.5 odd of 10. Make sure to check. out all the resources linked in the. description below as they are what I use. or would use in specific situations, including the best budgeting program in. the history of the internet and our. one-on-one coaching service if you need. extra help paying off your debt or. figuring out your financial life. Now, stick around for the post show. today on the financial audit post show. Marrying somebody, not even consummating. a marriage with them. So, can I p push on that? Can you just. You never Not once.

Never once. It felt like a chore just to. get a hug. Did you do anything even close? Are you. a virgin? No. God, no. I'm a. to watch the financial audit post show.