Most Delusional Woman I've Ever Met | Financial Audit

I'm going to say you bring in $4,000 a. month. No, I don't. YOU DON'T? NO. YOU. DON'T COUNT YOUR CASH. You don't know. what you bring in. Calm down. Calm down. Hello, my name is. Marie. I'm 27 and I am based out of. Dallas, Texas and this is Financial. Audit. Welcome down from Dallas. What do you do. up there for a living? Uh for 2 years, I. was a truck driver. What are you doing for a living? I truck. driver. You're a truck driver right now? Okay. I was under the impression that.

you're a delivery driver. No, I did it for 2 years, but now I do. shuttle van and then I also work. part-time at Domino's. Hm, what's. shuttle van? Like I pick up pilots and flight. attendants at the airport and I take. them to their destinations. How many. hours a week are you doing that? 40. 40, okay and uh that's good and then we're. working part-time on the side, so that's. a lot of hours you're working. Yeah, and I hate it. Well, what which one or all? Domino's. Domino's. Oh, delivery driving.

for them? Mhm. Okay. Um so, what are we. making at the shuttle job with 40 hours. a week? $18. plus tips. Uh on average, what are we looking at. bringing home uh for tips? I don't know. I don't count it. I just I get in and I. spend it, so I don't know. $20 a day? $10 a day? And tips, that's it? So, they don't. really tip for these? Well, a dollar. and stuff, so I don't know. That's what they tip? So, they do the.

little driving and it's like a buck? What is that? I don't know. I've never taken one of. those, but I'm just like if someone was doing. something for me, I feel like a dollar. tip is a little rough. Uh but okay, so that's $720. a week. I think so. Yeah. Plus and then you said an extra 10 bucks. a day? Uh yeah, 20. So, an extra $200 a. month. Well, I don't count my tips cuz I don't. know. But it's money. It's money that. you bring in, so it's money that you. have, so we would contribute it to the.

income. Okay. Right? No. What do you mean? What do you. mean? If it's money that's coming in, Yeah, but I don't. use it for bills. I use it for bills. Shouldn't you? No. Why? I use it for fun. money or eating out cuz. But spoiler alert, you're homeless. I. feel like you. I feel like we don't have both money. when we can't afford to put a roof over. our head. just became homeless this January, so. it's like and um.

Okay. I don't think we have both money. when we can't afford to live somewhere. both money cuz. You just said you were spending like on. fun. Well, not fun, eating out. Yeah. Okay, but I live in my car. I know. I know, but okay. Well, how do Uh uh uh. we'll get into it. And then how many weeks uh how many. hours a week are you doing the delivery? At Domino's? Yeah. 30 hours sometimes. And don't you do a little more as well? I'm not mistaken.

Yeah. Uh I do that whenever I feel like. I'm in the mood. So, there's a lot of variable income in. this, so it's just like I'm like, okay, what do we actually make? First of all, why that doesn't make any. sense. I had a total income coming in. $1,644. Did you like take time off work or did. you just get this job? Yeah, I just got this job. When? Both of the jobs, I would say February. this year. Okay. We're at the end of February right now.

as of recording this. Only my first job, the shuttle van, I've. only been here for a month. Okay. Okay, well, that's fair then. So, how did you become homeless? What what. happened? Um. I didn't have enough money to afford a. down payment on an apartment and I had. this brilliant idea. from car living, they are [ __ ] liars. I bet you they do that on weekends. Don't trust YouTube content. We had one on the show recently. Did you. see that episode? What one? Uh it was a.

few episodes from the time we were. recording this. She's living in her car. She believes in like van life and all. that. No, that sucks. Okay, especially if. you're big, you should never do car. life. But I had this brilliant idea that oh, I'm going to get me a SUV and I'm going. to sleep out of it. and stuff and I hated it, so now I'm. trying to get apartment. I wanted to talk about something real. quick that really changed the game when. it comes to investing. We all know that. starting your investing journey can be.

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you're grinding. You're working your ass. off. If our spending was under control. and our debts were under control, there would really be no reason for you. to not be able to put a security deposit. down in like last month if that's what. they required. started. Everything just happened January cuz I. quit my So, what were you doing before? Truck driver. You said you quit? What? Is that what I thought you started to. say? Yeah, my truck driving, I quit. Why? Cuz I hated it. Yeah, but you need.

to be able to live. But mentally I. couldn't do it and physically. Okay, what's better, mentally physically. working that job or mentally physically. living out of a car? I thought living in. a car was better. Thoughts and now we know. it sucks. Okay, so that job's better. What, the job? Hell no. So, being. homeless is better than working that. job. Yes, I'd rather be homeless than go back. over the road. I was it was over the road and I hated. it. I wanted to be local. Okay. Well, why not like search for more local.

shipping? I did. I did get a. local trucking job. Mhm. It was a yard driver. And then I quit that job cuz. they were or unorganized. Like hell no. No. I hate them. Go into more detail. What do you mean you quit cuz they're. unorganized? Well, how Okay. How did. that impact you? What was your. day-to-day? What was your life? Why did. you actually quit when you couldn't. afford to live? At the time, they didn't even train me, okay? So, they just put me in there and.

I got stressed out and I started cussing. at people and then I just left. That. just sounds like you just not being able. to control your emotions. Yeah, I'm I'm. angry a lot. I got. I'm crazy. Well, you're you're getting crazy. Are. you diagnosed with anything? Um Diagnosed medically by a. professional? No. Okay, I think I got anger issues. Yeah, you got anger issues, so that's. just you being. too. Huh? I'm always irritable. However. that says yeah. Okay and okay, so you recognize that.

That's where we're typically in our. situation when we're just trying to. survive, it's. I mean, that's just you. acting on in immaturities in a way. Well, quitting and then not being able to. afford to live anywhere. That's like your actions. That's not. Okay, but still like you don't want to. be at a job that you don't like and then. you take it out on other people. but you know the proper way to do it. One, don't take it out on other people. because you're just that's immature and.

two, um I mean, that's like behavior you. control. I I do I get angry pretty. easily as well. Shocker, you know, we're. here on the show. but you love your job though. But I love. my job, but I have that. However, however, other than slip-ups here and. there which is going to happen to. everyone in any kind of issues that they. deal with, in general, what a mature individual does is. continue to work on themselves and they. learn how to manage those emotions. You're just like, I quit because I'm. going to always be angry and do all this. stuff. Now, okay, let's get you out of.

that job. I would want you to get out of. a job that you hate anyway. I'm not even. saying I want you to stay there, but we. stay at a job if we don't have a fully. funded emergency fund and we can't. afford a place to live. We stay at a job. while we're applying for other jobs like. it's a full-time job and we land a job. that's better and then we leave the job. This year, I'm going to get my stuff. together, so I'm going. What does that mean? What's your plan? What's your plan? My plan is not job. hopping anymore. Uh. Okay, how's it going to be different. than the past cuz that's what you've. been doing. So, what's different?

Uh well, this car living has humbled me. I don't want to live in a car no more. Sure. So, Reasonable. But I really want to quit. Domino's cuz I hate it. But did did we did we not just say a. statement like. we're done job hopping. We're kind of. done with quitting jobs. I feel like we went back on that within. about um. 5 seconds. have a like my first job, I love it. The. second job Domino's, it gives me anxiety. coming in there cuz when they just they.

never trained me so I don't know what. the hell I be doing. I just be standing. there looking like a. a fool. I've worked in jobs very similar. to Domino's though. It's not. terribly difficult. Yes, it is. I I can't keep up. I'm like. the oldest person there working with. high schoolers. How old are you again? 27. Yeah, and if. the high schoolers can do it, I promise. you can. No, but when it gets busy, it's. like Dude, it's stressful. Food service. is stressful. I did it for many many. many years at two different places. Uh and then multiple chains within the.

place I was at the latest, Jimmy John's. That's a very fast-paced job. Um. Not as much down here cuz no one really. eats it down here, but whatever. Up. there it was. And. trust me, I get it. And yeah, a lack of. training that makes it hard. But that's. where it's just like your responsibility. as someone who wants to make money and. wants to survive in a career field to. then grind in. I could get a better job. then. Sure. But again, your statement. was I just want a job hop. Or I want I'm.

I'm want I'm done job hopping. And now. you're like, but I want to job hop. I'm done this year job hopping, but I'm. going to job hop. There's there's a little job hop. And. probably hop again because I keep. landing in these places where they don't. train me apparently. So I'm going to job. hop. Okay. Do you not see how that's. contradictory? So your plan, your personal plan. I'm just going to Well, I'm after. talking to you, I might not leave. Domino's. I don't know. If I find another job. But see, I So we have it like.

There we got to get the whole financial. picture before I would say yes, leave or. don't leave. But my point and what makes. me nervous is you said you have a plan. to get yourself. in a better position this year and fix. your Yeah. You gave me the first part of. your plan and you contradicted. immediately. So you have no plan. I have. a plan. It's. too many plans. Well, that doesn't work. You don't have. too many plans. You take a plan, you. figure out what are the actions required. along that plan to get to the final. place and then you do those actions. Okay. The first plan was to work these.

two jobs for a year. But my feet hurt so when I work at. Domino's. Just welcome to. working. I mean, I don't know. That's hard for me to have sympathy on. that. People stand up all day and work. Nurses are on their feet every single. second of every day. I was a CNA for 7. years, okay? So I understand it, but. Uh my second plan was to go back to. school, but I don't think I can. I don't think that puts a roof over our. head. Unless we're taking out student loans. and using that as an apartment fund.

Okay. Oh. Correct? Hm? Correct? Were were you. going to be homeless throughout going. back to school? No. So how are you going. to put over a roof over your head with. you paying money to do something instead. of getting. about going to school, but now looking. at my finances, I can't right now. Okay, so the two plans you have are. Work the two jobs for a year. But our. feet hurt so we're not going to. Or go to school of which we pay for and. they don't pay us and there's no way to. pay for living.

Or get a high income job in a trucking. field, but. uh I don't know. They work you like a. slave. And then the fourth plan was to go back. to school and get a work from home job. Some jobs, I mean, yeah, some jobs are. I've had jobs, dude. Bad jobs and I've. had great jobs. Sometimes when dealing with the crap. you've gotten yourself into, we work the. jobs temporarily to set ourselves up for. success. It's a temporary sacrifice in. the long long many decades of your life.

left so that you can live a better life. You're trying to get the most amazing. thing right now, which I'm not against. Again, if you got it, that's great. But. you're like delaying you getting out of. your disaster by wanting this. best job ever. And I feel like from. everything you've said, from everything. you've said, feet hurt, multiple jobs. didn't train me, I'm getting angry at. everyone, they work us like a slave. All. the the language you're using around. this, it sounds like you're never going. to land a job that you're happy with.

No, I hate job I hate working to be. honest. Well, there we go. And that's like. I mean, I'm a hard worker. It's just. mentally. I can't do it sometimes. What would you rather do? Just lay all. day? No, I'd rather be. financially stable, have. rather do all day? Um. travel. I don't know. Yeah, that's not a job. Well, actually it kind of was. You were. a long road trucker traveling. And.

that's what you complained about. And. now you're like, I want to travel all. day. Well, I ain't got money to go travel. Plus I didn't have like uh. I don't have the looks to go so I just. never went travel. Looks to go what? Like my insecurities like I don't know. like last two months ago, I was in Los. Angeles, 20 minutes away. Didn't have. the money. to go travel. 20. 20 minutes away? To go to Los Angeles. cuz I was dropping a load in California.

Yeah. And I didn't have the money to travel. I mean, that's what happens when we. build up credit card debt and we're over. our balances and we don't have a fully. funded emergency. fund. That's a discipline thing. It's. not like you did it you've never made. money. You made money during that. position. It's you managing your money. and eating out constantly. And that was.

before you were homeless. Now it's. harder to actually prepare food cuz you. don't have a stove, you don't have a. fridge, you don't have that kind of. stuff. Hm. So it is more difficult now. But you're not doing. starting now because you've become. homeless. You've been doing that. forever. What? Your money just flowing out on. both Oh, yeah. I mean, every American is. like that. You want to be like every American? Every American who half can't even. afford a $500 emergency? You that's what. you want to compare yourself to? No,

every No. Cool. Then who gives a [ __ ]. what everyone else who's doing bad is. doing? Should don't you want to be doing. well? Like I don't give a one If if. someone's over there [ __ ] up like, oh, I can [ __ ] up too cuz they're [ __ ]. up. That that doesn't make any sense. What kind of What is that? That is a that is a ultimate mental. deflection. You deserve to live a good. life. I mean, yeah, You got to work for it. That's hard. Yes. That's the system we're in. I I could be.

Some people want me to be the guy that's. like, "Aw, the system." Oh man, I wish. you didn't have to work and you could do. whatever you want. Give you a handshake, you walk out the door. You get nothing. from that. Cuz congratulations, when you. wake up tomorrow, you're in the country. you're in. You're in the economic system. that you're in. So it's in it's not. productive for us to have a I wish I. wish magic and rainbows conversation. This is what you have to do is the. conversation I try to have to exist in. the system we have and for you to be. successful. If you're going to be lazy, I mean, this our system does not reward.

those who are lazy. I'm just mentally fatigued sometimes. It's hard. Okay. Well, Maybe because I. eat too many processed food, I don't. feel like working sometimes. I kind of. wanted to say that, but um I you know, you got to be delicate in these days. with how you want to phrase things, but. Yes, there is there is the fact that we. I'm a. I'm a thing. and I got energy issues with it. I do. and that's why I'm starting to lose a. little bit of weight again again again. again.

And um. I start I got some equipment to start. working on my house. Now I just got to. do actions around it because it can more. energy, I live longer. Mhm. We are not. the healthiest people physically. Mhm. We're not. And that very much contributes to what. you're saying. So why haven't you done. anything? I am. I'm I'm We eat quite. well here other than a. a meal here and there. But we eat well. here. I'm eating well. And like I said, I bought some equipment to use at home.

that the home the the room that we used. to film this in is now in. So I am doing. something. Why aren't you doing. anything? Uh well, I don't have no one to help me. Teaching I don't have no one to help me. No one's teaching me how to find manage. my money. No, no, no. We're We're talking physical. here. You just said You just said. because I'm eating all these processed. foods and stuff, I don't have any. energy. I don't know. I don't know. I can't stop eating out. I've been eating You can't stop eating.

out? I can. Yeah. My stomach hurts right now. Well, don't. fart or anything. Well, I don't need that in here. Okay. What would you give yourself a score of. zero to 10? Zero being the worst. finances ever, 10 being the best. finances ever. Where is your score right. now? I'd say one. Yeah. If you want your. Hammer Financial Score, you can get it. for free. below. Also, you talked about education. Talked. about education, one thing that I'm able.

to do with the people I partner with is. instead of you spending years and years. in school, which I'm not opposed to. either, just a little opposed in your. situation cuz you can't afford to live. So how are you going to do school? Debt. But. I can gift you if you're interested in. the tech field, I can gift you. You're not interested in the tech field. I was going to give you a course career. certification, but never mind. I guess. we're I'm. We're going to be very picky about where. we're making our money from when we. can't afford to live. Sure. And we're. going to be very picky about our income. when the our balance on our credit card.

is currently $4,031. when the max credit limit on this card. is $4,000. That's the interest payment. Yes. So. And also $70.37 of purchases. I haven't been able to use that credit. card cuz it's maxed out, so I don't. know. Says the person who went to McDonald's, You just said, but I don't spend any. money on that card. And then I went. through it, and you spent money on that.

card. money this month cuz it's maxed out. Yeah, I'm going to take that as cop out. because. No, you're funny. No, okay, go, go. What? It's not a joke, though. I'm I'm not. Listen, dude, you're living out of your. car. I want you to live somewhere where. it's safe and secure. You're a human. being. I don't want you to be in a. dangerous situation. I don't either. It's not a joke. So, this freedom card, freedom to. not have a roof over your head.

is $4,031.86. I paid it off. No, I didn't I didn't pay. it off. I put I paid. I made some payments, so now it's. $3,980. I don't know. $3,980? 80-something. Okay, so you put like 100. bucks towards it? Yeah. $3,980, so not even? All right. So, it's $20 for being maxed out. Progress nonetheless. I mean, you made. your minimum monthly payment is what you. did. Yeah, cuz I got paid. Yeah, $109.

minimum monthly payment. Past due amount. We had a fee for past dues, and then we. had a fee for balance over the credit. And then we had interest of nothing cuz. it's in an interest-free period. Still. interest-free period, yet somehow you're. still losing money on it because you. just have. Okay, yeah, late fees and Well, I didn't. have a job at the time, so I couldn't. pay it. Cuz you quit your job. Because you quit your job. If you were. fired, that's a different story. You. quit your job. You chose to not have the.

income. Chose, choice. Well, I got a job. you. Chose. the week after, so it was not like I'm. quitting and I can't find a job. You. quit. and couldn't pay your damn bills. Cuz. the job sucked. You chose that. I didn't. know it was going to suck. You chose to quit. Cuz the job sucked. Okay. How are you going to survive? Just how. are you going to survive? You're always. going to find something you don't like. about a job. You've quit multiple jobs.

You're job hopping, your feet hurt. I. they work me like a slave. All these. other little things that you say. How. are you ever going to land a job that. you like and don't quit after 3 months? Well, after maybe talking to you, I. might not quit my jobs. Yeah, you might have a fire lit in for a. week, but if that is your mentality, that scares me for the longevity of your. life. How are you going to build a. career anywhere? I don't want a career. I hate careers. I just want. understand the economic structure that. you live in? No, I I'm I don't have a career like,

oh, I want to be a lawyer. I just. want to get a job and be financially. stable. Well, all of that comes with building a. career, though, at a place and getting. raises and. benefits and. Yeah, ugh. Survival, gross. I was thinking about. like getting passive income, like, you. know, getting a rental property and have. them How? How possibly would you get a. rental property? You can't afford an. apartment. In the future. I mean, sure, that's an unproductive.

line of thought right now, though. I. just No offense. I'm not saying I don't. want you to. Okay. $1,916.03. You're not willing to work. Well, how. are we thinking about rental property? now. I know, you're not willing You said, but. you but you're You quit constantly and. you don't want a career and all this. language and but Let me get a rental. property. Rental property is a lot of. work. It's a lot of work and very. expensive. It's a lot of work? Yeah. Dude, managing tenants and repairs, it's.

always breaking. It's a lot of work. You. think it's just a sit-on-your-butt type. thing? Unless you hire it out, but it's. still expensive if you do. Mhm. $1,916.03 with a $136 minimum monthly. payment. No purchases, thank the. cuz the credit. Because. We're $216 over the credit limit. Yeah, it's a good time to quit a job, isn't it? $30 of fees charged, $44.69 of. interest.

at 30%. I'm sick. Oh, but guess what? We got a. dollar and uh. What was that? $1.45 of credit card. points. Yeah. I think I maxed my points and I paid it. off. I didn't use it. You didn't, you. redeemed it. Yeah, and I paid that I. redeemed the points to put it towards. the credit. Okay. Yeah. But 30% is hitting you What kind. of car What kind of car do you have? What's your car?

Uh. 2021 Chevy Equinox. Okay. So, on this. car, we have a $546 minimum monthly. payment. When did you buy this car? Mhm, last. month. How? What you mean, how? How'd you get the loan jobless? Well, they was. They was hounding me like, are you going. to keep this job? How much you make? I'm. surprised they even gave me the car. loan. Yeah, me too. That's why. I asked.

Uh okay, what's the interest rate on. this? I don't know. 2021, by the way, Equinox. I think you said Like 12%. I don't know if I It's not on there. No, it's not. You don't remember what you signed up. for? I signed up for? What you mean? The credit limit or the. the the interest rate? I know it's 12%. Oh, you know it's 12%. Okay, so I think. it's 12%. Mhm. And do you know the term on this? Like, how long? Mhm, 72 or 84. Oh, come.

on. Better not be. Okay, okay. All right. Okay, so that's our car. $27,277. at 12% with a $546.93. minimum monthly payment. for many. many, many, many years to come. I may. regret it. getting in it. Why? Cuz I can't afford it. Correct. Mhm. Which is how I'm beyond. surprised that you received it in the. first place. Well, cuz at the time.

I wasn't working. Well, I wasn't working. I literally quit. my trucking job and they just was. hounding me about my income and I don't. know. I got approved cuz I guess I got a. good credit score. How? How would you. have a good credit score? You're over your balance. It doesn't. make any sense. Uh do you have any other. debts? Mhm, I got a student loan. When. did you go to school? 2018. How many. years or semesters? A year. Okay, so you dropped out. No, I. finished. 1 year?

Yeah, it was a 1-year program. What was. it? Medical assisting. Okay, what's your student loans? Mhm, about 7,000. I assume you're on income based and. you're just not paying. No, I'm not on income base. You're not? No. That's meant for someone like you. Okay, so. $100, but I did make some payments last. month. No, why? Cuz I didn't have a job. you quit your job. You know what? They. They garnish.

only been a month since I missed a. payment. You But that's that Okay, if. that's acceptable in your mind, then. your entire mindset on finances is. incorrect. You should never miss a. payment. always been paying my my student loan. Except for the time you didn't. And. stuff. It's just 1 month. Which is all it takes. for you to have missed a payment. I'm. confused. How. Whatever, doesn't matter. What? I don't. know. I'm just Your mindset scares me. No, I'm I really want to get help. I. know. No, no, no, I think you do. I.

truly do. I just think your mindset is. dangerous and I don't think I'm. convincing you of that. Yeah, I am I'm convinced. I don't want to live in my car no more. I know that. But the actions along the way that have. landed you in that situation other than. just not wanting to live in a I'm. stressed. Okay. No, it's just all of this. Yeah, it's stress. Oh, it's stressful. Money. is a stressor. Money is a stressor and I. feel empathy towards that. But your language is scaring me. That's. all.

$0 in our checking account. Not great. Not great. Well, I have money now. How much? Mhm. You had it at that time as zero. No, I don't got no money. Huh? I don't. got no money. All right. All right. All right. Church's Chicken, Las Tapitas, Tapito, Las Tapito, Wendy's, McDonald's, Chick-fil-A, drinks in a gas station, KFC, Kohl's, Lily's Nails. Nails? We can't afford a.

roof over our head, but we're getting. nails done? No, I needed my nails done cuz my nails. were long and I wanted to cut them. It's. called a clipper or teeth. What? They. just clipped my nails and just cleaned. them up. I know, but just it's it's it's. the It was $100 uh. $46. Oh, Kohl's was $117. It's if you can't Listen, if it was a. one-time purchase. Yeah, it was a one-time purchase. If it was a one-time purchase and our.

finances were in decent shape and it was. in your 50/30/20, it would make perfect. sense and I would give you a high five. You literally cannot afford an. apartment. nails cut cuz they were long. know how to cut your nails? No. I will. show you. No, I'm talking about. toenails. I'm talking about toenails. Oh, clipper. Yeah. Yeah, clipper. Clipper. $5 clipper from Walmart. Uh. could have done that. Could have done. that, and you still can going forward. Jamaican Me Hungry? That's a Jamaican. restaurant. They got some really good.

oxtails. Congratulations to the oxtails. I would. like you to live in an apartment. Chick-fil-A, Jack in the Box. First of. all, just really, we're not eating. anything healthy. Well, they're cheap, so it's like Not the way you're doing. it. You're spending a a of money. $20 at. Chick-fil-A is a lot of food. $20? Yeah. What did I get? Like if I go get a meal at Chick-fil-A. and that comes with a shake, it's like. 10 bucks, 11 bucks. Or like a large fry. and a Chick-fil-A deluxe. $20 for Chick-fil-A? $20 for. Chick-fil-A.

Huh, I don't know. Maybe you're reading it wrong. I'm. not. Nope, I'm not. I have confirmed that I. am not. Okay. Okay. Jack in the Box. Something through Square. Of the home the home D. That time I was trying to do like what. they did at Carvin, like their window. reflex. Miserable fail, wasted money on. that. Bead Queen?

That's laundromat. Okay. Totally fair, totally fine. CiCi's. Pizza, less fine. It doesn't really taste like anything. That's my way. I think I haven't had. CiCi's Pizza in a long time. I just. wanted to try it. And uh great, but I would like you to. try living somewhere. What What does. that make [ __ ] sense? In-N-Out. basic basically trash, might as well pee. in out of the bathroom at that point. KFC KFC Sonic Drive-In McDonald's.

Cedar Hill Government 5047. That's the library. Okay. And going in getting some drinks. at the gas station, getting some. taquitos. Kohl's again. Going in getting some drinks Family. Dollar, it's really hard to tell. That. could be okay, could not, I really don't. know. Sonic Whataburger Pizza Hut going. in getting some drinks taquitos IHOP. extra space so you have stuff but. there's nowhere to put it. Mhm. And. purchasing something through Square. again, and then purchasing something. through Square again, $647.

That's Cash App. Oh, so that's you transferring to Cash. App? Yeah. That $646. is. that's my auto insurance. $1.66 in the Cash App. OH, WE'RE BACK. WE'RE BACK, BABY. We're going out to eat. Sonic Drive-In, going getting some drinks from QT, Subway, Chick-fil-A, taquitos, Taco. Bell, Chicken Express, Taco Bell, McDonald's, McDonald's, taquitos, taquitos, Raising Cane's, Dairy Queen.

$100 came in, someone gave you 100. bucks. Or was that from yourself? Mhm. No, no, that was my aunt. She gave. me $100. Why? Cuz I told her I needed money for gas. Yeah, that's what I'm assuming. Wonder. if she's enabling your behavior though. know I live in my car. Why did she give. you money if she doesn't even know your. situation? Cuz I'm not going to tell. her. I know, but why did she give you money? Cuz I needed gas. I know, why did she. give you money if she doesn't understand. your situation? You're just like I need. money and she's like, "Okay.".

she's my aunt. I know, but typically you don't want to. enable anyone's bad behavior. If you're. just giving money without any questions. or understanding that. for the money a lot. Whataburger Dairy Queen. $0.22 in savings, so no savings. Correct. No retirement either. No. Do you want to. be able to retire at any point? Yeah. Okay. do the whole fire movement. No, shut up. That's a prank. What? What's wrong with. the fire movement? Fire movement's great, but you start.

doing the fire movement at 20, you're. 27. Fire movement, you usually want to. retire by like mid-40s or something like. that. How are you going to retire? What. fire? You have firing? In 10 years I. will start like at. well, 28 and then I don't know, retire. at my mid-40s. How much money do you. think you need to retire? How much money? A lot. Let's have a number. How much money do. you think you need to retire? I don't know. My gosh, how are you going. to do the fire movement if you don't. even know you don't have a number set? I. don't know. You do it for me?

Yes, to prove that that's stupid that. what you're saying. So I'm not going to be able to retire? Are you kidding me? In 10 years? Buddy, you have $0 in. retirement. Okay, but when I start making good. money, then. How much money do you think you could. live off on a yearly basis? Give me that. number. Mhm. I want to travel a lot. I don't know, like 30k. How are you. going to travel a lot with 30k? Unless again you're living out of a van, but you hate that. No. I'm going to have it paid off, not.

paid off, but I'm going to have like. tenants, like you know, house hacking. Have someone pay my housing. and my bills. So you're saying you're also going to. get a house. and save up? No, the rental properties. What? Nothing, I just think you may have been. sold a dream on TikTok and you don't. fully understand. Okay, on YouTube. I don't think you. fully understand what goes into it and. what's required. For the fire movement? Yeah. What you're just saying this is.

going to happen in 10 years? 30 So okay, fine, $30,000 let's say. $30,000? Is. that what we're saying? If we're going. to follow 3% so that you basically never. run out of money is what the thing is. We need to essentially get to a million. dollars in 10 years. Million dollars invested in 10 years. Million dollars? Yeah, if you want to withdraw 30 a three. if you wanted to withdraw 3% a year. I could live off less. Less than 30? How? I don't know. I'm. single, no kids, so.

Do you want kids? Do you want to be. single? No. I hate kids. Okay. Okay. Well, I want kids, but I don't. know. Oh, boy. Okay. You confused me. I confuse myself, too. I just. You have plans that are basically. impossible and that's what you're basing. your life on. How was it impossible? You got to get a. million dollars in 10 years, is what you. said? Following 8% a year in return on.

average, which is the stock market since. the stock market started. Mhm. You would need to contribute $6,000 a. month. That's fine. $6,000? What the [ __ ] You can't afford an. apartment. When in the. pranking me? Legitimately, are you. in the future. What future? How are we getting there? You can't just You can't You can't. manifest it or something. Are you one of. those manifest people? I've them on. recently. Are you. How How do you get it? How do you get it. in the future? You can't just say in the.

future I'm going to get $6,000. How are. you going to do it? With a high income. Okay, how are you. going to do that? How are you going to. do that? You don't even want to work in. the tech field. How are you going to do. that? That's like the easiest high. income. a trucking business. I was. Trucking business? Uh it's called owner. operator. Okay. You could become a Since I have my. CDLs, I could potentially become an. owner operator and make a lot of money. By getting a truck, right? Yeah. And just Do you know the debt that. people go into to get a truck? Unless. you have a good credit score and stuff.

There's no way you have a good credit. score. Oh my gosh, in the future. What is this future thing? You can't You. can't. have a vision if you do not have the. steps to get there. You have zero steps, zero plans, zero anything. You're just. saying this will happen. That is not how. anyone ever becomes successful in the. history of ever. Unless they literally win the lottery, which I would not recommend you doing. Well, when I get this fixed. and stuff, I'm a. My next plan is to either go back to.

school or start a business. Starting a. business is not a quick way to wealth. Most businesses fail. And even the businesses that don't fail, you it's middle class successful. maintaining business and you would work. until you're. 60, 70. So I can't get a business? I'm not saying that, but this is not the. magical solution that you think it is. Cuz okay. You've been I think this Like. okay, with the high income as a truck.

driver, you can make a lot of money. And. one of my plans is. you have to The The cost of one of those. semis is insane. Okay, not go and get a. semi, but work a high income at a. trucking company. Oh, you know, just go work a high. income, sure. Why aren't you doing that now if it's so. easy? Cuz I have to study to get my. upgrades. Mhm. Mhm. When are you going to do that? When I. get apartment. Okay, when are you going. to do that? When I save.

When are you going to do that? When I get my paychecks. Okay, you're. getting your paychecks, but you're not. saving. You have one cent saved. my second paycheck, so. And it all went out the door and you. still have maxed out credit cards. You. only put minimum monthly payments. towards things. You spend everything on. fast food. Trust me, I know it's very. difficult in your situation for food. I. really do. But what we could at least do. if we're trying to get to a goal, actions need to be implemented in order. to get to a goal. We have a. uh. big cooler that we stop and we get ice.

and we make sandwiches. I was going to do that. Why haven't you done that? I did buy a. cooler, but. I had to return it back because AT&T, that's my phone bill, turned off. So I was like, "Oh, crap, they turned my phone off." So I had to. scramble up $200. But then I realized they had an outage, so I was like, "Oh, I'm going to pay my. phone bill.". Yeah. I remember that. Okay. So I just do payment plans right now.

On the cooler? No, on my phone bill. What's your phone bill? Mhm, $215. What the [ __ ] What the possible. Uh yeah. I partner with Helium. Can I at least. get you set up with them for 20 bucks a. month? They use the same towers. No, my phone is financed right now. I. got to pay that off. Oh, yeah. Plus I got a laptop and a Apple Watch. financed. Why do you need those? Well, this is. when I was a truck driver and I thought,

you know, Sell them and pay it off. How. am I going to sell it? Facebook. Marketplace, Craigslist. Mhm. What do you mean? So then. sell my stuff? Stuff that you don't need. when can. a payment plan. It's financed. I I You sell it, then you take that. money and you pay it off. Okay. You're. not even wearing your Apple Watch. Yeah, I don't even wear it. Yeah. So, let's throw it away. or sell it. The sales person got me. I was only there to get a AT&T payment.

plan and he talked me into it. You're the one that signed the contract. No excuses. You're spending percentages. Net, nothing's going to that. And we're. not surprised at that. Phone total, 8.7% of your spending or. $172.83. Transportation total, $615.62. or 31.1% of your spending. Not a. surprise seeing how that's. how you live. Ness uh grocery stores and. food that is essentially what we. consider necessary food. 5.7% or.

$113.66. But food going out to eat, $533.38. or 26.9%. Now, on that, I will say. well, when we have our $250 to $300 food. budget for a single person with. groceries, that does require stove, oven, something like that. So, it's. going to be harder for you. It is going. to be harder. Your food budget's going. to be a little higher because of your. situation. It does it it does not need. to be close to $600. Actually, with both. of these combined, necessary food and. going out to eat, it's closer to like. 650 bucks.

Unknown shopping. Usually things like. Amazon, Walmart, Target. You never. really know what it is. It's hard. $336.01. or 17% of spending. Health care, 1.4%. Miscellaneous bull that you definitely. do not need. You stop, you go get a. taquito, 2.3% of your spending. Other. large purchases that don't fit in a. category, 6.9% or $136.26. That is.

Kohl's. Okay, I have a reason for Kohl's. It was January. I didn't think Texas was. going to get that cold. I needed warm clothes, so I bought some. warm clothes. That's fair. Mhm. That's fair. Can't be against that. I would try to do. Goodwill. Like I would just try to. budget as much as I can. They don't got big people clothes in. Goodwill. Well, isn't it random though. at Goodwill? It just depends on what. people drop off. So, it's worth at least. attempting. Cuz if someone.

like you dropped off clothes, they would. have clothes for someone like you. Mhm. So, it just it's just depending on. what they have. I guess so. And then the overstock. stores, those are also decent at looking. at as well. It's just like the extra. crap that never got sold. They just send. to the overstock stores. I I don't know. if they have people in your size. I. really don't. Mhm. I'm going to make a budget. I'm going to. follow the budget cuz. Well, I Well, I hope so. I think you. might follow it while you're willing to. work. And I don't know how long you're. willing to work the jobs, but.

Owie. No, cuz. My feet seize are a little sore. Mhm. I. quit. Sorry, that was. But that is my fear. Total income, still a little confused. $3,080. from the other job before taxes. You. won't be taxed too much, but before. taxes. and benefits of any kind. And I Are you. taking advantage of health insurance. through them? I don't have it. Why? You. should. You need. I just started a month ago, so I don't. know.

Okay. Make sure you're enrolled. Cuz you'll end up in a much worse. situation if anything medical happens. Mhm. And people in your and my position, my thickness, more medical things are. more prone to happen to us. COVID. happens, we are the ones that get hurt. It's people who are old or fat. I fat. Um I'm surprised I'm still alive. Yeah, well, other things like that. So, it's. definitely important that you have. health insurance if we're just being. real world. And it's unproductive in this. conversation to not be real world.

What I'm confused at is the money you're. bringing in from Domino's and Uber Eats. on average. If you could tell me. I haven't gotten my paycheck from. Domino's yet. Okay, but tips though. Are. you delivery driving or are you working. in house? What's your job? I'm a. delivery driver plus Okay, what are you. tips then? What are you doing? Mhm. Come on. I get tips and. reimbursements. Mhm. gas. Yeah. You're a delivery driver, yes. I don't. count that. I don't know. Like that's.

but as a delivery driver, that's the. primary source of income in that. position. And I also get like a other. income too, like $11 an hour. Throughout the whole thing, not just. when you're in shop or anything? Like no matter what, even when you're on. delivery? Cool. Congratulations. Still, the vast majority is probably going to. be tip revenue and you're not counting. that at all. Just goes out the door. So, oh [ __ ] What you're also saying, you're. saying our percentages are definitely. off cuz you get a bunch of tips in cash. and then you told me as the conversation. started that immediately gets spent on. fast food. So, we're like probably.

double fast food spending. Cuz all your. tip money just goes to that. Terrible for you and your finances. Let's just be honest. What am I supposed. to do with cash? Like Put it in the bank. My I got. Discover. They don't have a ATM so I. could put it in there. I can't speak for Discover, but open a. Chase account. I've. I'm not partnered with them or anything, but I've been using them for 5 years and. I've had no issues whatsoever. So,

just get a Chase bank? Sure or any other. brick and mortar bank or a credit union. of any kind. I don't care. Well, I was thinking about. It's not hard to open a bank account. thinking about doing a cash envelope. system. Sure, if you want to do that, that's fine. But you just said "What's. the point of cash?" or whatever you just. said. So, it's like hey. This is insane. I'm going to say you. bring in $4,000 a month. No, I don't. You don't know. YOU DON'T COUNT YOUR. CASH. You don't know what you bring in. No, I don't.

Do you. This is insane. Do. Do you. Do you This conversation, all right? I. Calm down. Calm down. I'm stressing. I'm. legitimately stressing. Cuz I want to create a plan for you, but. you don't know what your income is. because you don't. Okay, create a plan. I BUT I CAN'T cuz I. don't know your income. Cuz you don't. know your income. many hours they allow me.

And I make $18 an hour. I know. I have that one. We're talking. about that extra You said you do 30. hours a week somewhere else. Yeah, Domino's. We need to be able to. calculate that. So, I'm saying $4,000 a. month total across everything. With the. tips included? Yes, of course, because. that's the primary part of that job. Okay. Good. Sorry. Sorry. I I am sorry. I know I'm. needed, but it's like how can I help. someone create a plan if they literally. cannot give me basic information? So,

I am getting frustrated. I'm sorry. I'm. quick to be an upset. We have that in common. Bestie. Okay. Your debt payment total, paying on your. student loans was just impressive. because people in much better situations. than you are not. So. Well, and then you missed a payment. So, are you really paying? I don't know. But. debt payments in total, $831.93. So, because it's going to be more. complicated for you because a lot of. it's going to be have to be like. things you can't cook, but more things.

you prepare and keep cold like soups and. cold stuff. I was thinking about microwave food. Where do you have access to a microwave? I work. Okay, that'd be awesome. But because it's going to be harder, I'm. doing your necessary food, grocery. store. We're not going out to eat. anymore, $400. Uh okay. I know and I know that's hard because I. think you're pretty similar to me in the. fact that that greasy, fatty, sweet. Yeah, addictive tendencies. That. When you take that away, your brain.

freaks out for a bit. It really does and. you crave it. You crave it more than. anything in the world. So, I get it. But. also. you're killing yourself and you're. killing your future financially. So, we. just have to stop. Mental health help. through different affordable. community plans that are in the Dallas. area or take taking advantage of the. health insurance through your company. and doing co-pays. Cuz you don't make an. insignificant amount of money. You probably bring home. and I'll give you credit. At this exact. moment, you are working your right now.

The only thing is is you've done that in. the past and then you always fall off. and then you get in a worse and worse. situation. But either way, either way, you're probably bringing home right now. about 50,000 bucks a year. Bringing. home. Really? You just started so you. don't feel it yet. And you're spending. it all and not tracking half of your. income. So, Yes. Well, 400 hours a month. Toilet paper fund. Is there anything. else you need to survive? It's going to. be a little higher in your situation, 150 bucks. Is there anything else you. need to survive? Uh it's going to be. extra things for your car for safety and. things like that. There's so there are. going to be extra things. Your phone. bill, what is it again? $215.

Absolutely kill me. Your gas on an. average on a monthly basis. Is that all you do? Now I do. How much? Like $30 a week. What's your car insurance again? So, 120 for gas. How much for car. insurance? $646. Holy. calf. What? Never heard a month? Mhm. I've. never heard of car insurance that high. think cuz I haven't had insurance for 3. years.

Illegally? What do you mean? Like you didn't have a car for 3 years? I had a car and I canceled it. It's illegal. Illegal my dude. no. I wasn't driving. Oh, okay. a truck driver and. my car The car that I had, they wanted. $5,000 to fix it. I'm like I don't got. $5,000. you to shop around car insurances. I. can't speak on that industry as a whole, like the ins and outs, but that's an. insane rate. Insane. Shop around. Shop. around. Shop around. That's crazy.

That's [ __ ]. And gym, you have Planet Fitness. Yep, 2711. Mhm. Thank god I got that. Yeah, you have to. How much do you spend. on the laundry machines on a monthly. basis? If we had to guess. Uh, $20 a month. Okay. Certainly a necessity. Actually, that's. in your toilet paper fund, so I'm taking. that away. Since you're everything else you need to. survive, we don't need to put that on. there extra.

Your debt minimum to payments good good. good. And that's also your coals would be. included in that typically. Not nails. because that's stupid, it makes no. sense, it's dumb as. clip them. What can I do ask something in my. budget? What? Well, while I'm going. through this debt payment, I do want to. add like stuff that will keep me. motivated cuz I do tend to get a burnout. a lot. Sure. That depends on how much is left over. I only give that if there's room, but if.

like you're only able to make $100 of. progress on a monthly basis, mathematically we just can't. Or else. they're just. you'll be doing this for decades. So, yeah, if there's like a. large enough gap left, of course I'll. give you some fun money. Okay. But also, it's it's easier said than. done, but your life is what it is now. Mhm. It's. and it could be so much better. Mhm. Yeah. That. should be motivation enough on itself. It's not always, especially cuz you can get into the just.

routine of it, you're used to it, you've. kind of given up. Okay, that's fine. Uh, sure, little positive rewards, that. could be helpful, but only if it fits in. the budget. Guys, it's a new year and. you need to make your money work for. you. You can do exactly what I literally. do right now and put my money in the. best high yield savings account, SoFi. I. get a 4.6% yield on my money and I also. took advantage of the bonus of up to. $250 when I signed up. You can start. 2024 off amazing by doing the same by.

going to the link in the description. below. Think I have everything here. So, you don't have utilities or anything. like that? I have storage unit. Yeah, how much? 34. Storage for 34. Okay. And you do have room. If. if. you actually take your cash and count. that as your income, which is a large. part of your income. What you need to survive on a monthly. basis is $2,484. currently cuz you don't have an.

apartment. Well, when I do get an. apartment, can you add that in? Yeah, it'll probably be like what, 1,200? No. On the low what? 900 or less. Okay. Really? In Dallas? Yeah. Sure? Well, I mean. You going to be safe? Is it going to be. healthy? It might have roaches, but I'm. I find I Still $1,000. I can't I can't. afford 1,000. I don't know. Technically, you can. Oh, I can't. You just can't quit anything. But that would be 25% of your net pay.

You can afford it. Okay. Thousand bucks. Then you would be at like $3,484. Now, what sucks is with the $2,484, I can give you a couple hundred bucks of. motivational BS. When you have a $1,000 apartment and. you're at $3,484, it only gives you. wiggle room of like $500 and if we're. going to make any progress towards. anything, if we take a even $100 from. that SoFi. takes a fifth away. $500 left over? Yeah, once you have an.

apartment. Yeah, well, then you have. utilities and everything on that. Maybe. they're included, maybe they're not. going to be able to make debt payments. You'll have $500 left over, probably. $400 after utilities, $300. Uh, so that's $300 towards debt, but if. you give yourself that motivational fund. that you were talking about, no, you. will not be able to put anything towards. debt essentially. is why I need to upgrade my skills and. get another job. I'm down for that, but you're not making. Well, a terrible income. Across with how. with how much you're working, it's not.

great, but when you combine all the. grinding and everything you're doing. together, you're not making a bad income. across the board, but you're working a. lot of hours to get it. Either way, with the thousand, let's. say, okay. So, you have 1,515. left right now. So, let's put. if you hit goals, that's when you give. yourself your motivational thing, you. know, just do it. Let it be a positive. reinforcement. Boom, I get something, I. get something good. I did something.

good, I get something good. Well, eating out. maybe I could do two times a month. Well, what I'm giving you. in order to get to 1,250. you get $265.96. for fun money. Well, you're not living in an apartment. Uh, so you have $1,250 left on a monthly. basis. Now, with that, what we're going. to do. first month, set it aside. Second month,

set it aside. Then you have a one month emergency. fund. So, two months of setting it. aside. For emergency fund? Mhm, one. month. What can can I just put that towards. getting an apartment? that's where my head's at, too. Yeah, cuz you need that. You're going to. have to your credit score is. you have missed payments and [ __ ]. bad. My my credit score. it? About 630. I doubt that. It is. Not anymore, not after your. missed payments. I just checked my credit score is 630.

Today? Yesterday. On what app? Experian. Okay. Cool. Well, okay. Maybe you can get an. apartment. I'm just saying there you. might get I'm just saying you might get. some denials, but I hope you get an. apartment, yes. On the lower income. side, you actually might uh. get one. anyway. So, um. gosh. I could just get a roommate or. room. Yeah, absolutely you can. Absolutely you can. Again, that immediately. our math situation, but roof over your.

head is very important, it's one of the. most important things. So, I. regardless of the math, yes, do that. Fine, let's just say you have an extra. $500 to put towards the debt. What are. we doing? $500. unfortunately, to get a one month. emergency fund and this is why it's so. dire and why at that point you can't. really have extra fun money after you. get an apartment. You really can't. Well, you really can't because we needed. a one month emergency fund before we get. into all this stuff and once you get an. apartment, your one month emergency fund. is going to be about $3,500, which. $3,500 divided by $500 is going to take.

seven months. Seven months for a single. month emergency fund is insanity. I get a better paying job. That's great. Just like everything you say where I get. this, how are you going to do it? What. is it? What field is it in? You don't. have a plan. I do. I will study to get it upgraded on my. CDL. So, you'll pay for that? It's not. that expensive. Like I just study, I. might become a bus driver. and stuff. Oh my gosh.

You have no plan. You've just thrown out so many things. You need to have a set goal, line out. what it takes to get there and then. start executing, my dude. You're all. over the place. You're never going to. get anywhere with just a broad variety. of plans. Like this could all work and. sit back and well, none of it happens. That just that is not a way to live. life. It's not. Saying that with all love, my dude. All. love. Mhm. Why don't you just kill me then? No.

But if that if that's where your head's. at, then at that point, it's. No, cuz you're making it seem like I'm. not going to be able to I I'm not going. to do it. No, no, no, you're not going. to do it with the mentality that you're. having. I'm trying to I'm trying to. correct it. I'm trying to let you know. that the way you're speaking about this, having a million different plans even. though you should have one objective. that you're trying to get, which is a. higher paying job. Okay, but you can't. do that with a thousand ways to do it. and not actually going towards one. I'm. not against you doing any of these.

things, but you have to decide what you. actually choose to do and then go that. direction. We can't just say I could do. this, I could do this, I could do this, I could do this and then do none of it. Well, my plan is to get a high paying. job, a bus driving job. But how much do bus drivers make? Mhm, $22. Yeah, but how many hours a day? I don't know. I think they do overtime. Yeah, if you do like weekend trips and. stuff, right? No, like a city. activities? No, it's a city bus. Well, I. was thinking school bus, sorry.

Okay, sure. Sure. And stuff. And it's not a high. paying job, but yes, yes, if you work. overtime and stuff, if that's available, I don't know, I can't speak for DART. Right? Isn't it DART? I can't speak for. them, but. if that's available, sure, yeah, work. and make as much money as possible. So, bring it to five $4,500 a month that. you're bringing in with a $1,000. apartment, then you have an extra $1,000. to throw towards things. I still. wouldn't put fun money in there. Okay. until you're at least out of debt. and have a fully funded emergency fund.

So, it's really going to take me seven. months to build an emergency fund? If. you only have $500 left on a monthly. basis, yeah. Oh, wow. If you have $1,000 left, it's three and. a half months for a one month emergency. fund. Uh, with $1,000 left, you can pay off. the two cards in about six months after. that with $1,000 left or a year with. $500 left. Oh my god. So, a year and some Yeah, this is what. So, learning lesson to people out there, this is what happens when you dig.

yourself in a hole. So, that's why it's. very important as you're digging that. hole to realize you're in it, stop and. start reversing course. You're where you. are now. Actions have consequences. You are where. you are now and that's fine. Past. doesn't define you, what you do from. here is what you defines you. So, it's your choice. It's your choice what. to do from here. I would try to get the. cheapest, safe apartment that you can. get cuz that gives you extra money to. throw at it. If you can get the bus. drive job and do like 60, 70 hours a. week, sucks. It's going to take a long.

time. It's also not particularly healthy. you do not move in that job. But either. way, if you do that and you truly just. pack food, cook food at home, follow the. meal plan and the budgeting program that. we're going to give you, we give you. we're giving you a full budgeting. educational program and I want you to. take it. It's incredible. It changed so. many people's lives already. Um. there is a path out, but it's not going. to be overnight, which concerns me with. you and how you were receptive to the 3. and 1/2 months to get a one-month. emergency fund. What makes me nervous about your.

reception to that? It's. we're going to be multiple months down. the road and we're not towards the. finish line yet, but we're starting to. make progress. But because we're so far. from the finish line we realize this is. so hard and it's not fun and it's going. to be hard and it's going to be a pain. in the. I think you are someone who gives up. when things get hard. You you can say no, but based on. everything you've said about your past. in jobs, that is what you've done. Would you rather me be honest and call. you out or do you want me to just say. no, you're. uh awesome and you've never given up in. your life? Pat on the back.

Well, mentally. it's hard. It is hard. I literally just. said it's going to be hard. What us adults do. is when we know what we need to do for a. better life, we go through the hard. period, the sacrifice to get that better. life. Because what we're talking about. here, let's say 2 years total for one to. have a fully funded emergency fund, get. out of the bad debt except for the car, that's going to take longer. But let's. just say the credit cards. Can I sell my car?

Uh sure. I I don't know what equity. position you have in the car. Uh you'll. need a transportation thing. Uh. hopefully maybe you can just ride the. bus depending on where you're based out. of, but yes, sell the car and then pay. off the remainder of the debt if you. can. So, all I'm saying is let's just pretend it. takes 2 years to get out of this whole. thing, even 3 years. 3 years? Trust me, compared to a lot of people on. this show 3 years is a good thing. 3. years sounds like so much right now. You. should have like six decades of your. life left. Decades. 3 years is nothing.

Nothing. That's a long time. Okay. Oh, what the. All right. Okay. No. Your mindset's so. bad. Your mindset's so bad. Your. mindset's so bad. No. The language you. use is dismissing the No. If you live to 80. I'm going to get out of debt in 3. to 80. 3 years is 6% of your life. 6% of your. life is dedicating to make the other 90.

uh 4% of your life to be incredible. The. remainder 94% of your life is incredible. by a 6% sacrifice. Yeah, that's worth. it, but sure, 3 years is a long time. So, that's it. Hammer Financial Score, it's easy as ever, just like. I'mma come back. It's as easy as ever. It's as easy as. ever. 0 out of 10. Make sure to check. out all the resources linked in the. description below. They are what I use. or would use in specific situations. And. don't forget to check out the best. budgeting program in the history of the.

world. Thanks to all of our Patreon. producers for making this episode. possible. If you want to participate in. an episode of Financial Audit and you're. able to make it to Austin, Texas, please. fill out an application in the survey. linked in the description below. You can. also send a link to your friends or. family who you think might be good to be. on the show. If you have any questions, you can email casting@calebhammer.com.