Most Insane Person EVER | Financial Audit

You're not responsible. You can't pay. anything. A car repo, added into your. debt on this last one. Pause. I did not. get the car repo. The car was. voluntarily surrendered. You voluntarily repossessed cuz you were. about to get really repossessed. And. then eight things in damn collections. I. don't think I've made a single payment. on those student loans since I've had. You feel no moral obligation to pay off. a debt you took If you feel no moral. obligation with there, then this. conversation's done cuz there's nothing. I can do. I don't have the degree for. it. Hi, my name's Casey. I'm 34 years old, based out of Georgetown Texas, and this.

is Financial Audit. Thanks for being on. So, what do you do. for a living in Georgetown? Um well, I. actually work in Cedar Park. I am a caregiver, private pay caregiver. Mm, okay, wonderful. Oh, great. How long. have you been doing this? Um. well, I just got back into it a couple. months ago. Um part of the reason kind. of why I'm here, kind of figuring stuff. out. Um but I started in it officially.

in 2020. Okay. Uh how much are we making right now? Um. I Honestly, I don't know the yearly. I. haven't done the math on it yet cuz it. hasn't been a year for me yet. Yearly, I. don't This is like how much you What. What do you mean yearly? Are you hourly? I'm hourly. What's your hourly? 19 an hour. Okay, how many hours a week do you work? Guaranteed 80, but it's usually more. My. last. 80 a week. Well, sorry.

No. Yeah, that would be aggressive. I'm. usually working anywhere from 60 to 65. hours a week. Oh. Okay. Um How much do you think came in through. payroll in the last month? I could. actually look and tell you. No, cuz I have the number. You have the I want to see how much you. know about your financial situation. So, I think you don't budget cuz you. would need to know what number's coming. in to budget. I would have to guess.

3,000, maybe 4. Payroll is 5,900. Oh good god. Uh-huh. In the last month? Uh-huh. Yeah, I know. I. Okay, how do you manage your life. without knowing your literal income? Um my paycheck hits my account. I pay my. bills, and then I move Do you pay your. bills? Yes. They're late, but I pay them. Spoiler, no. Late is not paying. Okay.

Yeah. And how much do you think you spent? Like part like on private stuff? Spent. uh just all throughout. Spending, whether it's on debt, whether it's. spending swiping debit, cash, all that. good stuff. All of it. Yeah, give me a number. What's the. number you just said came in in a month? 5,909. That. Um. You're spending 6,715. Make the math make sense. Debt. Borrowing money. Other people's money.

Not your money. That makes sense. Cash App, especially. Yeah. Yeah. Okay. I mean, I don't. So, tell me. what the is going on here? Um well, you think you like I said, I. just started being a caregiver again. Okay. Going back into caregiving. got a pay cut. Pay cut was literally knocked me down. from making. almost 22 an hour Mm. to 19 an hour.

Okay, why'd you Why'd you change? Cuz. the job that I had before, although I. liked it, I loved it. I was good at it. They loved me there, and I was literally. in line for a promotion to make more. money when I left. The job that I left for. is more in line with what I want to do. with my life Caregiving. for the rest of my life. Well, I want to. go to school to be a nurse. Oh, okay. And exactly become a nurse practitioner. So, caregiving is kind of like the. stepping stone to get me there. But it's.

still, you know, it's it's in line. And. what I was doing before is not in line. with what I want to do. And what were. you doing when you were making more? I. was um a backup manufacturing specialist. for a company that makes a third of the. IV bags used in hospitals across the. nation. Oh, still medical. Okay. No, it's okay. Obviously taking a job even. with the pay cut that aligns more with. what you're doing. But my fear is. immediately for someone that does a. budget, for someone that doesn't uh. track their payments, for someone who's.

already. behind on their bills. my big fear is that they live the. lifestyle they live when they're making. more money, and then they don't adjust, and then things get And all there's a. stack of paperwork in front of me, meaning things are likely. Things are definitely So, why have you. not adapted your spending, your. existing, your everything to the new. income, and to the new life? Because. Those are wild glasses, by the way. As a. glasses wear, those are intense. Thank.

you. I love them. Sure. Um but no. So, basically, why I haven't adjusted is. because everything that I currently am. paying for and was paying for are. necessities like utilities and food and. rent. Car note, gas, car insurance. I. have two dogs, two cats. So, their food. you're spending on is necessities. Yes, everything. Phone bill, internet cuz I don't have. cable. Going out to eat, $420. Miscellaneous.

$154. 400 That's Okay. Going out to eat is. definitely for work. That's work cuz. What the are you talking about? I. don't eat at work. If Or if I eat at. work, I have to go get something to eat. because. you talking about? Have you ne-. When you went to school, did Did you. ever go to school, grade school? Of. course I did. Wonderful. Did you see people bring. little lunch boxes and thermoses? Yeah. Wonderful. Why can't you do that as an. adult? Um no access to adequate refrigeration.

No access to a microwave. That's what a. lunch box is for. It keeps it cool. What. do you think a lunch box was when they. were putting cold things in there? It's. insulated to keep it cold. You put a. little ice pack in there. What do you. think a thermos is for? It keeps it hot. What are you talking about? I've tried. the thermos, and it doesn't keep it hot. enough. I've tried the ice. Hot enough? Oh, wah, wah. When we can't. pay our bills, we're going to be picky. about whether or not it's 120° versus. 110? Yes. No. you. Why? How are you. allowed to be picky? And what kind of. sense of entitlement do you think you're. allowed to be picky? In what world are. you allowed to be picky and not paying.

any bills? Sorry, I should give them. context. I already did I always do this. I I dig in cuz I know your situation, but they don't, and they're like, "Why. is she digging in?" So, okay. But Okay, well, I want to get back to that cuz. that's kind of. And then your large purchases. Which. purchases? Large purchases, it's a. category we have. Was $2,049. Um Oh, that was just all Cash App out. Sending into Cash App. And then we'll look at your spending in. Cash App. Of what? I mean, cuz wait, hold on. What do I pay from Cash App? I.

know my rent gets paid from Cash App. My. car note gets paid from Cash App. Cuz a. lot of the times what I'm doing Yeah, most of your Cash App was spending, to. be very clear. What a lot of times what. I do is that my paycheck hits cuz I. think you have two of my You have two. accounts cuz I have two accounts. My. paycheck hits one account. Turn off the laptop. Sorry. It's okay. My paycheck hits one account. And I. literally take that I move it from that. account to my Cash App account because a. lot of my stuff either automatically. comes out of my Cash App account, or I.

have my Cash App card on their online. accounts so that way it's just boom, hit. a button, pay it. Mm-hm. Like my rent, it's boom, hit a button, it's paid, comes from the Cash App. Yeah, the majority of the things in your. Cash App, though, in terms of line items. were bull-. Well, I know I have a couple Apple Pay. things. You don't know your finances. And. Okay, just like any guest who comes on. the show, go through our budgeting. program, go through our budgeting. program. It's like 3 hours of education. There's lots of quizzes and everything. Go through that. You get it for free. You guys can get it at a bundled price. right now for a 15% discount. Make sure.

you guys are checking that out in the. description below. Um I just want to. know where you think you are in life. right now before we get in your. finances, and then I want to challenge. some of those thoughts. Uh you know, we. need to give the audience a bit of. context of where you're at. Where do you. think you are in the world of finances. right now, your financial situation? 10. being the best, zero being the worst. Where do you think you are? Can I go negative? No, but so you're saying zero. Yeah, I. know. Then why the do you think you. can eat out? In what world are you. allowed to have luxuries? If you are at. a Because honestly, for a while there, I.

didn't have groceries at home. So, I was. So, get groceries. So, it was it was. like, "Oh, I have $3. Let me go here and. get this. I have $5. Let me go Oh, let. me borrow 15 from this person and go and. get that." Or that day, go to the. grocery store. I'm so confused. What do. you mean? I know the town you live in. I. know the area you live in. There's an. HEB every 3 seconds. Well, yeah, I know that, but what can. you get at a grocery store for $3 that's. going to be a meal that lasts multiple.

days? Meal that's multiple days? No, you. meal prep. Meal prep, you're cooking. You're. cooking like chicken, rice, vegetables. These things you're pack- You know what. I'm saying? You warm them up next day. Meal prep. Have you ever meal prepped? Ground beef. Big old things of ground. beef. Some tacos, and you can make tacos. by warming that up. Then you can warm it. up, and you can make like spaghetti the. next day. It You can I guess you could. kind of consider it meal prep cuz. sometimes when I do cook, I cook a lot. Like I'll buy a big pack of chicken, and.

I'll bake the whole pack, and then just. keep it. and eat it for like the next couple. store spending was 2.7% of your. spending. I don't even have a number. there cuz it's the slice on the pie on. the pie chart is so small. I don't eat a lot because I'm a I'm a. diabetic. Okay, well, you go out to eat. all the time, which also is not good for. diabetes. I have to I have to uh I pick and choose. what I eat, and so I'm literally only. shopping grocery shopping like maybe. once a week. That's the interesting question because. Why not go to the doctor and find out?

Well, I have gone. So, I've been diagnosed twice. First time I got diagnosed it was two, lost like 50 lb, got cleared. And then. later on down the road, like 2 years. later, I got diagnosed again and they're. saying it's looking like two, but we're. going to treat it like one. So, Okay. It's It's It's a confusing situation. a second opinion going to a different. No, I'm just treating it. I have my I. have my I take my medicine so I'm like. my blood sugar is it's fine, so. I mean,

okay, I'm going to I'm I can call it out. without being horribly offensive cuz I. also have one, but we are a sharer of. guts. We We have a guts. Yes. They exist. Yes. Um. if you're treating it, wouldn't that also include getting rid. of that? Well, I actually am. I used to be. bigger. Congratulations. How much weight. have you lost? Last I've lost an. additional 40. Yeah. That's awesome. That's great. Um have you been maintaining that or are.

we kind of in like a It's It's. maintained with a goal of losing more. Okay. Like I'm at the point to where. like am I happy with where I'm at? Yeah, but could I lose more? Yes. Would I be. happy if I lost more? Yes, but am I like. focused on that? No, right now I'm. focused on trying to survive. Okay. Well, surviving for someone with. diabetes, a part of that is health. Like. if you didn't have diabetes, I wouldn't. give a I wouldn't call it out. Like I. don't care, you know? Like who Who gives.

a I mean, obviously that is a part. of your actual life and. Big part. A big part and uh something we would. want to avoid. And by going out to eat. multiple hundreds of dollars a month, going out to eat you can obviously get. salads and stuff, but usually going out. to eat is not always going to be. healthy. I was about to say, would would. it would it help if I told you that most. of that was me going somewhere to get a. salad? Like I love the salad from. Whataburger. We'll see. Okay, but is the salad from Whataburger. It's lettuce and tomatoes and like. grilled chicken and like a good little.

dressing. Yeah, yeah, I would love to. know about that good little dressing. I usually get the balsamic vinaigrette. Mm. I heard that's supposed to be one of. the better ones. Mm, I'm curious. Uh. listen, I'm curious. I don't know. I'm. thinking Whataburger, there's probably. like a. hidden honey butter chicken biscuit in. there somewhere that you don't even know. about. the honey butter chicken biscuit. but it's a Whataburger. Like is. But okay, let's go through these. So, I think this is a car. Uh through What is it? Santander? Yes, that's my current. vehicle. What is your car? I drive a.

2019 Ford Edge Titanium. Titanium, wow. I don't know. It's the. trim level. No, I'm sure I just don't know. Oh, also. by the way, guys, uh get your Hammer. Financial Score for free. Link in the. description below. You think you're a zero? We'll find out. by the end. Wouldn't be surprised to see. where you're at. And if you want to come. on the show, if you have interesting. finances, interesting stories, go to. CalebHammer.com/apply. We'd be happy to. take a look at your application, get you. down here in the Austin, Texas. Okay. So, this Ford Edge, we have a.

balance of. Oh. It's a lot. It's a lot a lot for. your hour Now, luckily you work a lot of. hours a week, but for your hourly income. as it's own, $32,574.94. is a lot. Wow. Why did you When did you. get this? 2022. Uh okay, so it was a couple years used. at that time. Yes. Was it a used car? Yes. How'd you get. such an expensive used car? Mm, for what.

it's worth during that time, used car. prices did go up dramatically during the. pandemic. problem number one. That is problem. number one, but still even still we. could have gotten like a $2,000 car. beginning with $10,000 car. Like it's. just But But you went to like the 35. $40,000 range. So, let me tell you what. happened. Okay. Before I had this car, I had a different. car. I had a Oh, wow. I had a 2019. I had a 2019 Kia Sportage that I was. financing. Payment was less than that.

one. And I loved it. So mad I don't have. it anymore. Okay. I was, however, I had. just transitioned jobs again and. And another thing. And um. I was behind on my payments. Okay. But I. was in the process of trying to catch. up. I was. at the point where if I missed another. payment, they would put my car up for. repo. But I made the payment to keep that from. happening. Finance company lost the payment, refused to.

do anything regarding losing the payment. even though I submitted the proof Yeah. of them of me submitting the payment and. it going through. I sent them my bank statement showing. the transaction going through and. nothing coming back. Uh-huh. And they still said, "Well, you. either need to make another payment or. we're going to take your car." So, I was. like, "No, screw that. Just I'm giving. it back to you voluntarily. Okay. because I refuse y'all to have to be. somewhere y'all just come snatch Sure, voluntary repo. Sure. And so, I. immediately went out and started trying.

to find something else. Hold on, didn't. you still owe on that? Yes. Oh, okay. And I immediately went out and. tried to find something else. And went to the only dealership that. apparently I could find to work with me. at the time. You mean for financing? Yeah, for financing. Okay, well. you could have gone to any dealership, but you could have like got financing. outside of there. Whether or not you qualify, I'd probably. doubt it getting repo and all that. stuff. So, I get it. So, you went to a. predatory place most likely. Basically, what I did is that I got on.

Google. and I looked for. places that. um work with people in my situation. And. I ran across this website called Credit. Yes, I think it's what it's called. And. I filled it out and they called me and. told me something and they said, "Okay, we work with this dealership. You're. approved for this. Go there." Okay. So, I went to the dealership and. uh that's what they put me in. What's. the condition of this car?

Honestly, in my personal opinion, it's. in better shape now than it was when I. got it. At least mechanically speaking wise. Well, you owe a monthly payment of $836, which is an insane thing. And I think. you made more last month. Sorry, this isn't funny. I think my. my producer is kind of just pranked me. unknowingly. Mhm. They They were They. were given they ran the VIN and they. gave me the value of the car and I was. shocked to see.

a trade-in of $31,000. I was like, "Yeah. Dude, Casey got this. Trade that in and break even. Like. that's incredible. Private sale even. more." Then they're like, "Oopsie, wrong. one. Yeah, it's worth private party. $14,000." So, you're underwater by over. 50%. Yes. So, this is. So, you went to a predatory dealership. probably cuz you had a predatory loan. Mhm. So, you probably got a car that was. they sold it to you way higher. What's. the interest than its actual value?

What's the interest rate on this thing? It's above 20%. No. I think it I If it's not. doing? If it's not exactly 20%, it's. above 20%. With a minimum monthly. payment of $836, but that's not what matters because. guess what? You're past due. I'm not past due anymore. What do you. mean you're not past due anymore? You. caught up completely? You made the full. $1,751.90. payment? No. What I did was.

um. I filled out some paperwork with my. finance company and moved to my past due. payments to the end of my term and then. made a payment. Okay, well it was still added. You. didn't catch up. You're just future you. It's but it's current and it's reporting. to my credit as current, so I get it, but you're just. On paper it works. Yeah, you extended your 20% loan even. more. That's great instead of catching. up in your things by actually like. managing your finances and budgeting.

off, so. Yeah, what do you plan to do? You're. underwater by 60%. I'm going to keep it. until I can get into something else. Yeah, how are you getting rid of this. and the loan being underwater 60% by. getting into something else? Caleb, Yeah. it's a 7-year term. I am 34 and I. plan on being a nurse before I'm 40. Okay. Nurses make bank, especially. travel nurses. And you want to be a travel nurse? I'm. going to start off as one, yes. Okay, let me give you a solid dose of. real world. That doesn't matter not with. someone like you who can't manage the.

finances. You can make $200,000 a year. That doesn't change your financial. situation. You would be spending. $250,000 a year. I don't think so. I do, based on your. budget and based on your spending. How. do you not think so? In what context and. what behavior supports the idea of not? I know what I want to do in life and I. know what it's going to take to do it. Oh, I hear a lot of wants. Look at your. actions. They're not getting there. I. know that considering there's certain. parts of my current life that I cannot. change. What? Such as the cost of my rent and the cost.

of my car payment. What's your cost of rent? Um before all the extra fees, $1,685 a. month. Yeah, you can control that. You kidding me? We can get you in a. $1,000 place, $1,000 studio. Not in. Georgetown. Yeah, you don't have to live. in Georgetown. But I do. You don't have to. You can. control that. family's in Georgetown. Wonderful. Round. Rock is 10 minutes from Georgetown. I. don't give a. And Round Rock is 10 minutes from. Austin. I don't give a You take. I-35 like a normal human.

What are you talking about? too much for my family to be that far. away from them. 10 minutes? I do too much for my family. to. Okay, go ahead and tell me what's too. much for 10 minutes. Um number one, my. mother does not drive right now, but she. still goes to work, so I'm the one who. gets her to work every morning. Also, wake up 10 minutes earlier. pick her up on from work on Fridays. I. get her to church on Sundays. I get her. and my disabled cousin to all her. doctor's appointments. I'm the one that. goes to all the stores that she and my. mom needs to go to for her grocery. shopping and all that fun stuff. to be buying groceries over there.

And I also help my sister with my. nephews from time to time. So, I have to. be close to them. Being outside of. Georgetown just really feasibly. especially considering gas is not an. option. Incorrect. I don't know what the you're. talking about. Leave 10 minutes early. like an adult. You do not need to live. 30 seconds away. I don't I don't care. What are you talking about? You're. literally 34 years old. You can drive an. extra 10 minutes. You can set your alarm. 10 minutes earlier. That is not a valid. excuse. For those who don't know, cuz. the majority of people watching this are.

outside of Austin, Georgetown is just. like the northernmost suburb of Austin. Like you can be you could be in Cedar. Park and get there in 20 minutes. And. that's. you know, because Moo was just a baby. We can't drive. It's not that I can't. drive. I just Uh it kind of sounds like. it. No offense. Actually, you. my comfort zone. I What I know is my. comfort zone. You're paying a rent that you say you. can't control that's too expensive. You're outside of your comfort zone. that it's not that it's too expensive. Uh It's not that it's too expensive. You just said you're being held back by.

things you can't control. I asked what. those things are. You said rent. Well, it and it is rent because I can't I. can't move right now. Yes, you can. You. want me to break my lease and. You could break your lease. If it's. what's holding you back, yes. Depending. depending. We would need to see what. that would actually ends up looking. like. I printed my credit report. I want you. to look at that and see what you see on. there. Okay, well, we will get there. But also you send the lease and the. lease will end at some point. March of. next year. Wonderful. And then you could. get a thousand dollars. We'll talk about. it. Why? We're talking about it right now. What the are you talking about?

It's on the credit. Round Rock Georgetown. See how close it. is? It's nothing. It's it it it it's my. Buddy, you can live in South George Here. it is. Georgetown right here. 1.1. thousand. It's a little house. A what? A. little house. Let me see. It's a house. Kidding me? It's a house. Buddy, That's not a house. That's an apartment. And it's usually. for college kids. It's right there by. the university in Georgetown. Okay, you don't get to be picky. No, I'm.

telling you like that complex is for. college kids. It's not a complex. This is a house. Can. we Are we able to like look with our. eyes at things? Look at this. Can. everyone see this? I mean yes, you're. renting an area of the house, but it's. not a complex. It's a house. You're. renting it's like subdivided into. different units. That's unit A. For the. university students. No. Anyone get This. is This isn't just for university. students. What are you talking about? I One, I. promise you they want to lease this. And. if you you can be a more reliable. tenant, they will lease it to you. As.

someone who owns a rentals next to a. college, I don't just accept college students. Wonderful. Here's this apartment. 1,200. It's an apartment complex with 14 units. available. 1,300 there. 12 units available. 1,300 there. 27 units available. What did you say your rent is again? Right now, it is six. Wonderful. So, I'm saving you money on. all these. 1,200. 11 units available at. that complex. This complex. 1,100.

available. 12 units available there. Buddy, you're just you're renting on the. for what you want. This is all over Georgetown. So, this. isn't even leaving Georgetown. Cuz I'm. going to cater to your inability to wake. up an extra 10 minutes early. 1,000 dollars. Right there. At apartments. One bedroom. It's not even a not even Is. it on there? There's five of them at. that complex. You'll You'll need to cut this part, but.

that's the complex I'm currently in. Well, there you go. Well, we're we're going to we're going to. bleep the name. We're going to bleep the. name. But it's the complex you're. already in. And that name won't be available. So, obviously people can't find you. But. yeah, guess what? There's apartments there for a thousand. dollars. Currently five available. You're just living in something you want. to live in. I'm going to need to look at their. website. So, things you can't choose? That's hard. to believe. Hard to believe? This is. they're listing it. What the are.

you talking about? I'm just saying it's hard to believe cuz. I've looked. It doesn't matter. It's not something. you have to believe. It's literally. there. Like when I when I before I moved into. this apartment, I looked. No, it might might not have been. available right then. I looked everywhere though. Like I. looked I was looking for a cheaper. apartment. Because I was coming from an expensive. apartment trying to get into something. cheaper. And I actually did. This one is. actually a little bit cheaper than what. I was paying at my last. that's insane. But you also just. apparently don't know how to look for.

apartments. Also, maybe it was just the. time for whatever reason. But they might. cover transfer costs of you switching. that unit if you tell them you can't. afford that. I don't know for sure. You. have to talk to the the leasing office. about that. But. I'll definitely give them a call. Everyone was telling me to invest at the. start of my financial journey, but not. where or how to do it. I started my. channel to have the money conversations. and provide financial education I needed. years ago. And why setting you up for. success is my number one priority. And. that is why I've partnered with MooMoo, the official investing app of this.

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you need to start investing. So, if. you're looking for a platform to trust. with the Caleb stamp of approval, try. MooMoo. Their sign-on bonuses and reward. for completing the investing class are a. perk of this partnership that I don't. want you to miss out on. So, click the. link in the description or scan the QR. code on screen to get started today. Believe me when I say I trust MooMoo and. you should, too. Now, let's get back to. today's episode. And then you said you. can't control your car costs. That's not. completely true. Right now, you can't. control that you're in it, but you can. control that you got in it. You can.

control the price of the car you got. You had to go to a specific dealership. for the financing that you had to get, sure. But you got a more expensive car. than you could afford. I got the car. they showed me. Why did you do that. instead of like, "Hey, show me another car.". I did. And they said, "We worked a deal. on this one. We got you approved for. this one." You know what you say? Let's go with this one. Yeah, that's not their choice. They don't just say, "Let's go with this. one." You're the buyer. Your your. response to that is.

you, I'm leaving. And then I wouldn't have a car. Yes, temporarily. Temporarily. It's a temporary sacrifice. It's a. temporary sacrifice that I can't afford. to make given I live in Georgetown and I. at the time was working in Austin. No, I get that. Listen, here's the. thing. If we're talking about an 800. dollar a month payment with 20% interest. on a car that were underwater by 60%. You would have saved so much money even. if you were Ubering for a full month. while looking for other options. So, you would have Ubered.

You're behind on payments. You had to. put it at the end of your loan, which is. horrendous. Extending your 7 year 20% or. more death loan. You would have Ubered for a month, even. 2 months, and you would have still saved. money if you got a car half the costs. I. was worried I wasn't going to get a car. if I waited. Because. Okay, well, that's a car. Excuse me. Huh? My other car was getting taken away. Well, yeah. And so will this one if you. keep going down the road you're going.

I'm not going to let it go. Okay, well, I wonder how many times they. will allow you to. stack it at the end. As long as I make. eight payments in a row, I can do it. again. Their words exactly. Are you going to. make eight payments in a row cuz you you. were not? I've done it twice. So, two. payments in a row. No, I mean I've done this moving to the. back of my loan thing twice. Casey. Oh. Listen, your hourly wages not like.

fantastic by any means. It's not like, "Yeah, yeah, you're making extra ton of. money." But you work so many hours that. you actually do bring in an. okay amount of money. There's no reason why you should have. had to do that twice. I'm aware of that. That's why I'm here cuz I'm trying to. figure out what the crap is going on. yeah, no But that's That's That's That's. the that's what everyone says when they. come on here and they use that as a cop. out. That's not how this conversation is. going. I cuz I I I want to fix it. Like there's. I want to do with my life, and I can't. do it with the way things are going.

right now. Yeah. So, I need. But you're not even willing to get a. cheaper place or drive an extra 10. minutes. It's. Okay. Leaving Georgetown, yes, that I I. I'm refusing to do. That's like so. basic. Getting into a cheaper place, I am. willing to do if I can. And I would But. I would tell you why I currently. me if Round Rock is literally one block. over, you will not go one block over? If. Round Rock was one block over, that's. going to be a different story. edge of Georgetown in Round Rock?

As long as you're in Georgetown? I need to have a Georgetown address. Okay, well, that's just dumb. That's. just you being picky. No offense, but. that's just stupid. That's stupid. It's literally the one. thing in life I'm picky about. I. compromise. don't think you can be. I compromise. Well, actually you can be cuz we found a. thousand dollars. No, okay. Do you I saw your fast food spending. Come on. I don't know what you're talking about. What are you compromising on? Please. tell me. Please educate me on your. compromise. from Whataburger and some. cheap McDonald's dollar menu. Not a compromise. You can get lettuce.

and dressing from a grocery store. You. getting the convenience of fast food. regardless of what you're buying at the. fast food place. That is not a. sacrifice. That is convenience. So. please tell me what you're sacrificing. Everything. Obviously not. Give me specifics. Hm. Yeah, interesting. You can't even name one? Well, I mean. Then you're not sacrificing. No offense. When you put someone on the spot asking. what they're sacrificing is hard. entire life right now. Your day-to-day.

What choice are you making that is a. sacrifice? I mean that's a tough. question to answer because. No, it's not. It is because some of it's. some of it's just like personal stuff. and some of it's like Ask me what I'm. sacrificing in my life right now. Like I'll give you an answer. We just. had. one of those bull. overpriced healthy lunch places for like. the millionth week in a row because I'm. trying to be healthy instead of eating. food that actually tastes like food.

Wonderful. It's a sacrifice. It's not a huge sacrifice, but it's a. sacrifice. Name any sacrifice. Sacrifices. Oh my gosh. I sacrifice my time a lot. Okay. I. sacrifice my time a lot because if I'm. not at work. I am doing something with my family or. doing something with my church. I would. say very seldomly have time for myself. to do anything, to check out anything, to research anything. If I'm researching. stuff, I'm like researching on the fly. Okay, here we go. Okay, so for someone. who sacrifices their time, they're not.

willing to sacrifice an extra 10 minutes. to save money on rent. That's more time. I just told you I sacrifice my time and. you want me to. add more time for me to sacrifice when I. can save the 10 minutes. Like I'm I'm. I'm I'm I'm I'm. I'm confusion right now. Yes, I am. 10 minutes. So on top. of my. 6:00 a.m. to 8:00 p.m. work day That's awesome. You get home at 8:10.

5 days a week. listen, that's that's not even the. biggest issue. The only reason I'm. bringing this up is cuz literally if. you're able to save $600 in rent. Yes, that is worth it. In your situation. I don't know how you don't see that. I don't even know how this conversation. is possible if that is something you're. not willing to sacrifice. If we can sacri- if we can. There's 10,080. minutes in a week. 10,080. without me leaving Georgetown, then.

that's what I want to do. Oh yes, you're going to stop eating out. as well, but at a certain point. I'm already there. Okay, obviously not, but. I don't see I don't know what you're. talking about. I mean I have Am I still. eating out? Yes. Am I still paying for. it? No. Someone else is. Also again in Georgetown, I literally. just pulled up Zillow for a whole. second and found a bunch of options that. are cheaper than yours. Including at your own damn complex.

So like I I I don't know what the. you're talking about. I really don't. You're just you're someone unwilling to. move. in anything in any way. Okay. It's on the credit report you're going. to see anyways. I can't move right now. because I owe another apartment complex. $4,000. Oh my Okay, what about internally. though? In your internal complex? I don't know. Okay, that's worth a. conversation. How'd you get into this. complex then? I applied, got approved, and moved in before the other complex.

hit my credit. Okay. And why haven't we worked to pay. that other complex then? How much do you. owe them? I don't agree with the amount that I owe. them. Well, I don't care. If that. impacts your life dramatically at a. certain point, sometimes we all take the. L. Be-. When I looked at the breakdown of what. they were charging me for, they're. charging me for stuff that they. shouldn't be. So I'm fighting it right. now. Fighting it how? Uh phone calls. do just all all the all the steps. I.

can't. What steps are you talking to? A lawyer? Are you going to small claims? What are. you doing? I'm talking to them. I'm. Talking to who? The the apartment. people. Okay, so it's probably not going. to go anywhere. And I'm I'm try- I'm. trying to get it figured out because. like I said, they're charging me for. stuff that I don't feel I should have to. pay for. I mean they unfortunately, whether it's good or bad, they kind of. have the power. They can your. credit. So it's not I don't think. they're going to care to wiggle on it. I guess the I I need to make it until. I can How much do you owe? South of.

4,000. That is a lot. Well, my What are they. claiming? So. they're claiming what is equating a. total of a month of a month's rent. because I had one month halfway paid and. then I owe them for two weeks of the. next month. So it's basically totaling a. month of rent. And then they're trying. to charge me for replacing the carpets. even though I moved out in 2022. moved in there 2019,

had two dogs and like seven adults in. that apartment basically the entire. time. So like the carpets are going to wear. and tear and they knew those people were. there because they were all on the. lease. Okay. So they're trying to say that the. carpet was the carpet was worn down too. much for its age and I'm like the carpet. wasn't even new when I moved in. But did. you take pictures on your move-in day? Yes, I I took pictures. They were there. Like I I I did the little checklist. thing and I You have pictures. that you can show them.

From your move-in day. It's on my old. phone, but I believe so. Is it Is it in the cloud? Also. just one more thing on the 10 minutes. thing and then I'll move away from that. The extra hours that you're having to. work right now. just to pay to be closer this extra $600. versus leaving 10 minutes earlier, arriving home 10 minutes later. is likely substantial more time you're. having to spend at work in order to. afford that.

So you're likely sacrificing more of. your time anyway because you have to pay. the more expensive rent. So. Well, I mean right now the the hours are. going to happen regardless. Right now. Why? We'll leave it at. unreliable other employees. So that I'm the only one willing to come. in all the time. I'm just saying if I had. that if that extra $600 was. If I opened my brokerage Moomoo for. investing, I just if I was able to throw.

that extra $600 into our investing. the amount of compounding it would be. getting over the course of your life. Do. you have retirement? Not at the moment. Do I have it as an option with my credit. union? Yes. Am I utilizing it right now? No. I don't give Everyone. Everyone has access to some kind of. retirement whether it's their IRA or. whatever. So that that doesn't matter. It's whether or not you have it. That's. what I care about. Okay. All right, well. let's start going through this credit. report cuz it's basically this entire.

pack of insanity. Atlas. What is it? Deferit Inc. What is it? Atlas is. kind of like a credit card, but not. really. It has a super low limit. and basically it gets used and then the. payments automatically. gets covered. owe anything on it? Like 60 bucks. It's a It's a. Like I said, it's a super low limit. I I can I can. You're not a credit card person. You.

need to use a charge card like Fizz. card. You cannot have access to. credit cards. You you can't. You don't. know how to manage it not to save your. own life. I think Atlas is literally the. only one I currently have if you want to. count it as one. Oh, Department of. Education. So you already went to. school. Tried. Dropped out? Yes. Okay. I did too. But But you're considering going back. When did you go? Ooh, Jesus. When When was your last. class? What year? I know my first try.

was in 2009. I want to say the second. try was like 2012. Oh, okay. It's been a while. to have to restart basically all your. credits. A lot of the transfers and. everything, they last for like 10 years. Yeah. But I mean. So you're starting fresh. You're going. to have to do a full four years. Yeah, but the what I was trying to do before. are are no way related to what I'm. trying to do now. You can't pay your car. How are you. paying for school when you want to go. back? That's what I'm also trying to. figure out.

Okay. Because I don't think that's. financially right. Yeah, no. That's not surprising. Okay. These are a bunch of different student. loans. Um. They are. Okay, let me just add them up. real quick. It's a lot. Are you paying on them? Probably not. They're in deferment right. now. Yeah. Shocked. I wonder what the interest. rates on them are. I don't think they're bad. Oh my. goodness, you've been late on them. You've been late on them in the past. You've been 119 days late. My My dude.

I will honestly admit that I don't think. I've made a single payment on those. student loans cuz I've had them. Great, you don't feel responsible to pay back. money you borrowed? It's not that, I guess. Well, yes. Again, one. I don't have the degree for it. So I'm. like. Yeah, but you borrowed it. I don't have. the degree. I'm paying on mine. I know I. borrowed it. But I and it's not that I don't plan on. paying it back. I just. It's been over a decade. I know. From. your most recent. I know. $20,576.

Again, like I said, I've been focused on. just. maintaining my day-to-day. So there's things You're not. I I'm. That's why I'm being focused on it and. not doing anything else really. But. you're not maintaining your day-to-day. You You're moving your car payments to. the end of your car payment. You're. allowing that 20% interest to accrue. Mind you, again, when I talked about. accruing money in your retirement, the. best is a 10% average. You're losing more than double that with.

your car alone. Sorry. Thank you. Okay, let me get through these student. loans. Let's We know the balance. Your normal payment's probably like 250. bucks if you're in the 10-year. traditional payment. Something like. that. You haven't made a single payment. How. much did you actually borrow? Cuz I bet. it's gone up to 20 cuz you haven't done. anything. I know one to like 16, I think. So, the consequences of your actions, an. actual $4,000 owed.

Okay. Here's something new. What's that? Uh. Central Portfolio. Contour. Huh? Oh, place for collections. Wonderful. Collections. $546. What's. that for? I honestly couldn't tell you. Wonderful. Uh Okay. It doesn't say on there. Usually it says the original creditor's. name somewhere. Does it not? Oh, it got redacted. It got.

redacted. Any reason why? It's the first collections, 546. Redacted the original creditor. I mean, I can look it up. Um On the. credit on my The second collections is. $864. You know what that's for? It's been 9 months. Mhm. Mhm. No. Would you like me to look it up for. you? First one was the hospital.

St. St. David's just the hospital. So, why didn't you pay? Didn't have the. money to. What was it for? What year was. that? 546? Oh, year? I don't know. One second. 2023. Did I go to the hospital last I. I didn't go to the hospital last year. Maybe that's when it was sent to. collections, so maybe 2022. Cuz I know I. went to the hospital in 2022. because. I fell down the stairs while moving and. severely twisted my ankle. Wow.

Um. And then there might be hospital bills. on there from both the times I was. hospitalized because of my diabetes. Mhm. No, that one should have fallen off by. now considering how long ago that one. was. Nope. Well, I was thinking about cuz I was I. went to the hospital again one time when. I fell and got a contusion. on. my. whatever this bone is called right here. I I'm not a bone guy.

Neither am I. Um. But that's I don't think that one's on. there cuz it's been forever day ago. Um All right, pull up your Credit Karma. cuz this is organized horribly. There's 75 pages. I can't. Okay, so 546 medical collections. And And then we'll look at the rest. One. second. Is that TransUnion or Equifax? It. doesn't matter. Well, sometimes it does. Sometimes this this is giving me. Hold on. Let me still open Give. Give.

Opening. I didn't silence your Wi-Fi. TransUnion. Hold Why is this What are. you doing? What is you doing indeed? If only you were willing to drive the. extra time that it has taken to open. this app, you'd be saving so much money. It's been 45 seconds. Calm down, sir. Mhm. And we're looking for what again? This gift. Here you go. Let's look.

at derogatory marks. Collections. Okay. We were looking at this this 864 was. this the last one we saw. So, 864. The. original creditor there. Great. It says. Original creditor Central Portfolio. Control. So, it was probably just sold. to another one. So, we don't even know. what that's for. This is great. This is. wonderful. This is fantastic. Apparently that was also the hospital. So, it's another hospital one. Okay, this next one we're looking at.

collections three. is $734. You've just allowed your entire. life to go to collections. Uh. Bank of Missouri. That is a credit card. Why'd you not pay it? Which. You feel any responsibility in the world. at all? Of course. to be you're Okay, then why don't you do. anything? I was paying on that one actually and. then. Yeah, but then you didn't. I stopped and I can't remember why I. stopped.

Something happened where I just couldn't. afford the payment anymore and then it. went. Okay, then you're not a credit card. person. Don't use credit cards. Uh then number. uh $442 from Capital One. 422. That was also a credit card. Yeah, credit card. Uh-huh. Why'd you not pay. it? Same thing. Great. Uh 476. 476. Can't see the original. creditor there. 476. was from. LV and V uh I guess the Revi card.

Oh, Revi? Credit card, yeah. Okay. That one I can get that for. It's not showing me correctly in the. app. That That's something that happened. last year. Okay. And then whoa, two Okay, collections. The sixth collections. $2,206. What's that for? Remember who that's for? Oh, it's Credit Ninja. Oh, yeah. I want to be ninja.

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whatsoever. You can't pay anything. You're never paying anything. Got a car. repoed. Add it to your debt on this last one. Back. Pause. No. Pause. Pause. I'm pausing. the car repoed. The car was voluntarily surrendered in. the process of me trying to catch up on. my payments because. They were going to repo if you didn't. My finance company lost my payment. Had. they not, I would still have that car. Okay, you know you have to you have to. be behind payments for like many many. months for that to even be in that. situation. There you go. And And I just started the.

job that I just left. and had they not lost that payment, I. was going to make. two payments with the next check because. I had massive overtime. You have to. understand that I was making bank at. that job, but I wasn't happy. Yeah, but then you still have to pay the. bills that you took out though. Right. But again, I would still have that car with which. had a lesser payment on it. Honestly, all of this really started going south. when I lost that car cuz my car payment.

shot up by like 200 bucks. Mhm. And so. that's where. up getting a car that was unaffordable. to you. Cuz It's the car they gave me, Caleb. Caleb, if you No. It's the car. they showed me. I needed a car. I'm So, really so if anyone shows you anything, you're just going to buy it? No. I'm afraid for the next time you have to. get another car. They're going to show. you a car and you're going to be like, "Okay, that's my car.". when when it comes to cars, I. I've never gotten a car before. When it. comes to cars, I typically do research.

I typically do the research. This is. literally the one time where I did not. destroyed your finances. So, Yeah. And. also, I don't I don't care if you've. done thing well well in the past. If. you're doing it poorly now, it doesn't. matter. Just like if someone did things. in the past, as long as they're a good. person, they've learned from it now, then it doesn't matter to me. Which is why I'm here to try to get back. on. which is why I'm here to try to get back. on. a That's not an excuse out. That's not. an excuse out. I'm not excusing. I'm But. that's what everyone says the moment. they get pushed back on their their.

actions is they say, "Well, that's why. I'm here.". Come on. Like I recognize. what's. Collections number seven. $1,252. Looks like this one is from the Bank of. Missouri once more. Again, Did I have 1,000 what? 252. Bank of Missouri is a credit card, but I don't remember having a credit. limit that high ever. I don't know. I can't tell you. I don't. I don't literally I don't usually do. credit cards. Well, it might just be extra fees added. on top of it before it sold to. collections. And then to Verizon, you.

owed $1,780. You can't do that. You have. eight things in collections. This is. insane. You can't. And regardless, let's. pretend you didn't even do the voluntary. repossession. Even with your current. car, you're adding the missed payments. to the back of the loan anyway. So, regardless, I mean, you just can't do. that. You are not responsible with. money. And that's okay. That's fine. Just accept it. Cuz if you accept it, you can only start to change it. Don't. get defensive on it. It's okay that. you're not good at money. I'm not good. at a lot of things. But I don't go walk. around saying, "No, I'm actually great.". Like what? I've never said I was a great. I know, but you're defending against it.

Just accept that you're bad at money. and that you can't do that. And then. that's okay. Well, cuz you're making it. seem like it's worse than what it is. Like I know it's not. kidding me? I know it's better. Are you kidding me worse than it. actually is? You think it's better than. it actually is. You think it's better. than it actually is. You're putting. money the payments at the end of the. loan. You voluntarily repossessed cuz. you were about to get really repossessed. and then eight things in damn. collections. Student loans for a degree we didn't get.

and that that's okay. That same thing. happened to me but guess what? It went. up $3,000 because you weren't paying on. them so extra fees and interest added on. to it. Come on. What do you mean? What do you. mean I'm making it sound worse than it. actually is? I'm literally just naming. exactly what it is and you're trying to. make it sound like it's better. I mean cuz it is. It's not It's not. What? In what world do you I'm reading. the numbers. You're reading the numbers but you're. not really fully looking at the. situation because it could it could be. worse and it's not. Are you kidding me?

Why does everyone say this? And why does. everyone say this? You've applied to. this. You know what you're. Why? How do How do people Is that what. you have to do to go to sleep? Are you. kidding me? Let's say that I am a. smoker. I am smoking all the crystals in. the world. Just because I took two hits. today instead of four, it's okay because. it's not as bad as it could be? Are you. kidding me? It shows that you've improved, man. It. shows that you're trying to get off of. it. Signs of improvement is eight things in. collections? What the are you.

talking about? Signs of improvement? Yeah, I get that it looks I get that. it's bad. But you have to understand. how bad it is which means you're not. going to do anything to fix it. I will. I need your help figuring out what to. do. Okay. Partner No No, honestly, I I. kind of have to push back against that. though cuz I am trying to tell you how. you did that car wrong and what to do. next time and you're trying to defend. how you ended up getting that car. So, I. don't think you even want to know. I get how I get what went wrong. I get.

what went wrong. Then why are you trying to defend it? You cuz you have to understand then why. I was in that in that position in the. first. understand. I did and I gave you. alternatives that you could have done. and then you say no, it's not possible. I didn't say. And you also literally you're someone. who's not willing to wake up 10 minutes. earlier. So, I don't give a what. you're about to say. not on my mind at that time. At that. time. That's not an excuse. was I have this this this this and this. that I. need. this this and this going on. We all have.

going on. That doesn't mean I get to. just uh bail out and not do things. correctly. Dude, I really need a car. We all have. going on. That doesn't mean I get to. just uh bail out and not do things. correctly. I'm running a business. I'm. running employees. I have a lot of. on my mind. I have a lot of things on my. plate. Guess what? That doesn't mean. that I get to just around and make. a massive mistake that ruins my life. just because I have this this this this. and this. Well, at the time I could. afford the payment so. things change. We're here now. Let's fix.

it. I honestly don't think that payment. was ever in the affordable range cuz you. had to stretch it out to seven years. That's what they offered me. It's the. only thing they offered me. That's not. an excuse. That you say no. You over it. for a month while we shop around and we. try to improve our credit for a few. months. My mindset was not there at that time. Not an excuse. You say it's not an. excuse. I'm not saying it's I'm not it's. not an excuse. It's what it is. My mindset was not there at that time.

Things change. People grow. I'm trying. Yes, I haven't seen that growth. I'm. trying to improve it. Where's that trying? Please tell me in. your finances anywhere. being here talking to you. uh-uh. Nope, I want to see actions. That's not an action. You came here and. you sat in a chair. Wonderful. I'm proud. of you. Why do you have a $63 balance on. Atlas? If you're trying to improve that. wouldn't be there. $60 you can pay that. Because I used it. Then pay it. The talking about? It's getting paid today. I literally got.

paid today. It's getting paid today. It's I'm just waiting for it to leave my. account. Fine. Fine. The $442 collections. Why. haven't you paid that then if you're. trying to improve your thing? Who was that for again? Buddy, I don't. remember but they were all just like. past credit cards except for a couple. medicals. Oh, cuz credit cards fall off. All. collections too? After seven. I'm not doing credit cards anymore so. I'm not worried about the credit cards. That's not how this works. Because your. credit is so. that's why your car loan was so. predatory. Because your credit score is. so. that's why you're you're saying you're.

not able to move to another apartment. complex. Because your credit So, why don't you do anything to improve it. in order to your damn life? Actually, I. said I can't move to another apartment. complex And also you feel no moral. obligation to pay off a debt you took If. you feel no moral obligation with there. then this conversation's done cuz. there's nothing I can do. Like you you. borrowed the money. You spent other. people's money. Regardless if there's a. credit card and the system sucks. You. borrowed it pay for it like an adult. Show me a little bit of responsibility. in this world. Show me how. Okay.

That's what I'm here for. Show me how. Cool. Call them. Pay it. Boom. Showed you. Work it into my budget and show me how. your budget. Okay. Okay. Okay. Okay. Fine. Let's do that. Let me call out the. things not to spend on in that budget. then cuz your Cash App where you spend a. lot of your money. You sent out $13. through Cash App. Who knows where that. went. You went inside, got some drinks. You got some McDonald's. And you made a. Cash App loan repayment thing there and. then more $20 out from Cash App. $20 out. from Cash App. $50 out from Cash App.

$20 out from Cash App. Where is all that. money going? 20 50 20 50 50 20 20 20 20. 20 20 50 You said out from Cash App like. sending it to somebody? Yes. It's a Cash App payment. I don't. know where it went. Well, yeah, we. blacked out their names probably. Um. that could have been sent to my Bank of. America account to. pay another bill from there cuz I'm I. use both accounts. No, it was people. Producers are telling. me it's people. They blacked out their. names. It's people? Yes. 20 20 50 Dude, it's endless. It.

continues through here. going out. 50 going out Yes. Who did I send Unless I was paying. somebody back for money I borrowed, that's the only way I would send The. ones that went back to the bank account. are still labeled so I'll call them out. when I see that. Apple subscription or. in-app or something. Whataburger. Loan drawdown $500 so you took a Cash. App loan $500. We saw you did pay that. back. Uber so you already Uber and even. though you have this car that you can't. afford so that's great. Uber Eats you. can't afford that. You can't afford a. three $35 convenience Uber Eats.

96 96 bucks? Yes. That was me getting something for. my mom and them. I just ordered it and. had it delivered to them. Okay, you. can't afford that so don't do that. pay for it. There should be something. where my mom paid for it. Oh, okay. Uh. well, you certainly can't afford $38.88. and the convenience of someone picking. up your food and delivering it to you. through Uber Eats, okay? No defense there. Good. Thank goodness. Perfect $72. Amazon payments $27.

Oh, more Uber Eats $35.02. Only. Only. Only. Only. four in one day. How much fap did we. have to do? There was no fap. It was just boredom. Boredom? So, you spend money on There's. so much free stuff. So much free. I know and honestly, it. was ridiculous cuz nothing really even. was seen so it was like a waste of my. time. May we hear? What did we What did. we discover? What did we discover. through that payment?

What What did we see? The OnlyFans is. nothing but a so I don't use it anymore. Only nothing Oh, you had to pay more to. get access to the uncut gems? I guess. so. I don't know. I stopped after that. I was like, "Oh, whatever. You're boring. now. Bye.". Amazon Sonic. Go inside, getting some Sonic. Go to Sonic a lot. $20 at Sonic too so I. doubt that's just a salad. If I'm going to Sonic, it's not a salad. Well, you go to Sonic all the time. I've. called out Sonic like five times. Oh, guess what? Sonic. Went inside, got some. drinks or some What are you.

stopping at the gas station getting like. a couple dollar things? Um that's. usually like maybe a bag of chips and a. soda. Canceled. That's out of the budget. You. did it again right there and then you. went to Pizza Hut. Doubt that's a salad. for 40 bucks. No, that's a pie. That's a. large pie. 40 bucks Pizza Hut Oh, yeah, that's a greasy pie right there. Uh for work. we sometimes. buy pizza for our clients. So, it's reimbursed? Mhm. Okay. Apple bill. McDonald's.

Apple bill is going to be either my. care for my Apple products Mhm. uh my. subscription to Microsoft Word which I. need for work. Why doesn't work pay for it? Because. I'm technically speaking not. Microsoft Word use Google Docs. Work doesn't pay for it because You Use. Google Docs. I understood if it was like. Excel but it's Microsoft Word. Use. Google Docs. I actually never considered. that. Well, please consider it. Thirsty. Chicken. Must've been real thirsty cuz. it was $70.

That was also reimbursed. $3 sent out. via Cash App. $2 sent out. $5 sent out. Uber Eats again. Great. $20 there. Another Apple bill so this is a third. subscription now. Taco Bell. Went. inside, got some chips. Panda Express. Went inside, got some chips. Another. Apple bill so now that's four so you. only named two. Cash App sent out $5 to. someone. Fresh donuts. Must've been real. good. Real fresh. Sonic Drive-In. Went. inside, got some chips. We're chip. obsessed especially for someone with. diabetes. Whataburger.

Another Apple bill so that's five. Uh went inside, got some chips probably. McDonald's. Went inside, got some chips. Schlotzsky's as well. So, a lot of spending on just bull So. Schlotzsky's. most of the Uber Eats. and. the Schlotzsky's and most of the Uber. Eats that's all going to be either from. my family or for work. Yeah, you're you can't afford it. regardless. They get reimbursed. Uh. where Where was it reimbursed? I haven't.

seen that. Um usually if it's for work, my. technical manager will give me cash. Uh, you're Uber eating for the for the old. person? Huh? You're Uber eating for the. old elderly? No, so it's it's. the Uber eating is usually, uh, my. technically she's my boss. um, asking, "Hey hey, order me this, get. you something, and I'll give it to you. in cash." And I'm like, "Okay.". So, that's what I do. I don't know. $3 in your Bank of America checking.

I can't track your cash. That's hard. Uh, transferring money through Cash App, Cash Mac, Afterpay. We're also doing. Afterpay, great. Afterpay, Afterpay, Afterpay, Afterpay, wonderful. Fresh. donuts on here as well. I only got one thing. Cash App, Cash. App, Cash App, Cash App, okay. Okay, yeah, let's do your budget cuz I. guess that's what is going to. be a big thing. Hopefully. What's your rent? Before all the fees it's 1685. But there are other fees on it that.

raise it up more than that. Well, that's before the fees you said? Before the fees 1685. Okay, now with utilities, internet, and. fees, how much? Um, to be quite honest with you, I usually. have. 18. No, no, not the 1800. It's 18 something. No, not in fees. I I I I know when when I pay it late, I'm paying 19 something. Why are you paying it late? Because so, and that's that's the other issue that I. have is that right now for my the way.

that things are falling, I'm. I and I I don't understand how it. happened. I somehow got it to where. the check that I get at the beginning of. the month, it comes after the first, so. that's when I pay like car note, utilities, stuff like that. And then the. check at the end of the month is rent, but instead of it being rent for the. next month, it's rent for the previous. month. So, we're just you just calculated and. then leave the fees You don't know what.

your utilities and all that extra stuff. There's no way utilities and fees are an. extra 1800. Well, no. Your your rent isn't 3000. No, no, no, no, no, no. So. saying total 18? Like so, my rent by itself. is 1685. It's is 1685, and then there's like fees. just for the complex. Okay, how much? That raise it up to 18. something. Okay, now what about utilities? My utility bill. fluctuates between 150 and 200 a month.

Okay, we're going to put 200 and I'm. putting 1800 for your rent plus fees. Do. you have renter's insurance? Right now, no, it's built into my rent. Okay. Um, internet? Internet's built into my phone bill. Oh, it's your phone bill? Um, if I don't include the amount that I get. reimbursed from someone that's on my. phone plan, it is. I actually just got a decrease. What's your phone bill? 400. How's it 400? Um, Apple Watch, iPad, two.

phones, two internet boxes. Two phones? One of the phones someone else pays for. So, they give you money? Mhm. So, my part. After people give you money, how much do. you spend? 325. Sell your. Hold up your wrist. I took it off. Okay. Yeah, and there's. no tan mark there anyway. So, sell your. Apple Watch. Sell it. Cracked screen. Is there AppleCare on it?

20. Just sell it and sell your iPad even if. for a loss and throw all your money at. it, please. I need the iPad. That's what. I use for work. Uh. And I I I had a tablet that was paid off. and it went out on me. 320 is what you. said? I'm going to die. Is that what you said, 320? 325. Okay, your debt payment for the car, $836.22, usually more cuz you're always late. Gas, vroom vroom, drive drive, how much?

That is going to be ex- 50 for a full. tank, so 150 a month, we'll say. Car insurance? Car insurance is. 270. Okay, $300 for groceries. You're meal. prepping, follow the meal prep in the. budgeting program. I usually spend more like 200, but Well, it's cuz you eat out every second of. your life. TP fund, anything else you. need to survive, you know, whatever it. is, deodorant, all that good stuff, 100. bucks. Medical, health care, anything on. a monthly basis? Um, my.

Consistently? medicine costs. 75 a month. Okay. For everything. Gym? My apartment complex has one. Pet. insurance? Do you have a pet? I. do not have pet insurance right now, but. I do plan on getting it. Yes, I have. two. Three, well, three technically. What do you have? I have two dogs, two. cats. Going to put like. 125. for pet insurance. My quotes have been more than that, but.

Huh? My quotes have been more than that. how what have they been? Um, so for and this is just for my dogs. For my dogs it's come to about 125 for. both of them combined. I have a. 10-year-old and then a. six and a half month old. I'm going to put 30 300, which that. might be rough, but again, uh, I don't know what's going to happen. to you if you have like a emergency. situation with your pets, like you won't. be able to pay. for it at all. You can you can't even pay for routine. checkups. Anything else that needs to be.

in your budget that I haven't mentioned? We got phone, we got car, we got. utilities, we got rent, we got. groceries, we got necessities, we got. car insurance, we got potential pet. insurance, hopefully pet insurance. Yeah, how much in pet food as well? Um, the pet food's usually part of my. grocery bill. Uh, it's not, okay. Well, how much? Dog food is cuz I get the big old bag, dog food's like 30 bucks and that's like. a month's worth.

Cat food is usually the same for about a. month's worth. 60 for pet food. Okay, so you need a minimum of $4416.22. to live on a monthly basis. Okay. Payroll covered that. I think that. was above average month from what you. were saying. Look, I work a lot of I I work a lot of. overtime, and. You don't need to. And I am working on. getting a part-time job. Okay. Because Uber eating to make extra money. just doesn't make sense considering the. cost of gas. Otherwise, I would do that. cuz I'm already signed up for it.

On your car, especially with. Yeah. Yeah, I know. So, I'm working on getting a part-time. job. I'm actually hopefully finishing. the onboarding process for it when I get. home today. And I'm. it's a work from home situation, so I'm. hoping it's real. And if I could get out this car, I. on the old car still? Yes. Okay, that wasn't in your credit. It should have been. Um, I did not have it at least. Um, um. how much? It was financed through Capital One. Was it not on there? Listen, when do you plan to go back to.

school? Um, like I said, I want to be a. nurse before I'm 40, and I'm 34 now, so. I have six years to get this figured out. and get graduated, so. So, two. sometime within the next six years. With. four years to complete, so in the next. two. But when you do, you're dropping your. hours at work. I plan on doing it online. and doing my. Even still though, even if you're like. working what, 60 hours a week right now? At a certain point, and obviously we. need to get the degree, we need to. actually make it through your third. attempt. Uh, with that, you're going to drop your.

hours. Like you will, even if this is to 40. hours. I mean, well Oh, there it is, yeah. No, we missed it, $8732. it? Yeah. I I just got to the auto part. of my thing, so yeah, that's right. There's part of me that just wants to. voluntary give your car in, but only after we get enough money to. get like a $10,000 car in cash. If you. want to take your investing to the next.

level, my new investing course is still. on sale. Until July 1st, we're offering. the course for only $97, which is $50. off. You'll get over 55. lessons, the best budgeting spreadsheet. known to man, portfolio strategies, worksheets, retirement strategies, and. I'll give you a $100 Moomoo cash reward. when you sign up with Moomoo. Check out. the link below for more. Stop buying. I've considered that and don't want to. do that because I had to get a cosigner.

for this car. So, it would mess with their credit, too. Oh, who's cosigned? Da da da. My mom. Oh, your poor mom. That's another reason. why I can't let it go. I refuse I can't until I can unless I. can trade it in. I can't trade it in, no. And considering the issues it's given me. since I've had it, I've considered it. but. going to roll over the negative equity. into something else that you're probably. going to get negative equity in, so it's. just Like I can't. No, I don't want to. do it. That would hurt my credit, so. Okay, okay, okay. Well, I need to think.

A lot of these questions are still going. to take minimum five six years to fall. off your credit. And I get that, and I'm. prepared to wait for that if that's what. I have to do. But It's not what I want. to do. But you're going to And if this. car breaks for whatever reason or. something and or gets get crashed and. your insurance isn't fully covering the. remainder of the loan, it's like you're. going to end up in a pretty shitty. situation again cuz your credit's so. Again, how do you get a cheaper place if. you're not going to get any How much do. you owe that pet the apartment complex.

as well? Was that not on there, either? No, we probably just missed it cuz it. was just chaos. It was chaos. Uh, okay. It should have been. uh. It's fine. It's like I put 4000 cuz you. said it was something like It's. something like that, yeah. I So again, without you dealing with. these, you're not going to get cheaper. rent, but if we were able to save $600. on rent, that's $600 that can go towards paying. off the car quicker. So, do you know how to. Have you heard of negotiating in terms.

of collections at all? Yeah. Okay. That's and that's that's what I. want to do with the apartment. That's. why I'm waiting a little bit cuz then I. can just call and say. into collections, Yeah, I call and say, "Hey, I'll give. y'all this much if y'all just take it. off." Yeah, and you have to do that. essentially once a week until they. you you just wear them down and they. accept it. Never give them access to any. bank account information, by the way. No, never. Um. But, you're probably going to have to do. that with every collection starting from. just smallest to biggest. Like, I technically you have money left. over, so you just.

My plan would to be to stockpile that as. much as you can. on the next few months basis and just. start First, pay off the $63, but. So, the $442 is the smallest. collections. I'd just say I'd call up. and go, "I got 300 bucks." They're going. to say no, and you know, I'll just call. back after a few days or once a week. Do. it until they accept it. And then, do. that with every collections. This will. take a year or more, probably, cuz you. just have so many things in collections. But,

you're going to have to do that with. every single thing in collections. You're going to have to pay off your old. car. You you might have to pay back the. apartment if they don't decide to get it. to collections cuz I need you to be able. to get into another apartment at some. point. It's like. these things I'm okay with waiting for. things to fall off credit and stuff. But, the thing is your situation is so. scary that you're relying on debt and. the only debt that you can get in if you. need to is so beyond horrendous. Yeah. Because your credit is so because of.

everything you have in collections and. mispayments and all that stuff. Okay. Let's at least to start base level. There's no excuse to miss any bill or be. behind any bills. You have an extra. thousand bucks a month, at least. according to your most recent month of. payroll. Right. So, I've seen it. There's no excuses. I I've seen it. I. just wish I knew where it went. Oh, I. I've already explained. Like, here's. your breakdown in terms of where your. money's going. Like, you're spending on. category. If you just spend what I told. you to spend, you have an extra. thousand. With the extra thousand, let's. say we're not even let's say we don't.

even negotiate. The extra thousand with. where your collections is, you probably. have What is that? $6,000 in collections? Then, you pay off. your collections in 6 months without. negotiations. And then, uh then there's. the old car and then the collections on. top of that. It's probably a year and a. quarter. You're a year and a half. Year. and a half, you pay off. all your collections. Student loans are. still there and the Ford Edge is still. there. Ford Edge would take.

like 3 years. uh. 2 and 1/2 years to pay off. Like, and. this is without any negotiations. So, we're talking snowball effect? Kind of. Um not really. Cuz if you were. technically snowballing, you wouldn't. you wouldn't pay on your collections. You would just pay your Ford Edge. But, I mean, actually even technically more. You'd be paying your student loans and. then your Ford Edge. That doesn't make. sense. I need to improve your credit a little. In my perspective, I get I I I I understand what you're.

trying to say. Um. Bankruptcy is horrible, but you could do. that. Already looked into that. No. I looked into it this week, actually. Okay. The the law firm I talked to was rude. and disgusting and ugly, and it was also. going to cost $3,000 that I don't. Yeah, bankruptcy isn't cheap. No, it's. not. And honestly, with the money you. have in collections, it. Well, no. Listen, a Ford Edge 2 and 1/2 years, all the. collections including your apartment and.

your old house. apartment and your old car, even without. negotiation, that's a year and a half. So, 2 and 1/2 years year and a half, okay, we're at 4 years. Then, you only. have the student loans. Student loans, I. would just get on a traditional 10-year. payment plan, just pay them. And then, you know, after those 4 years, maybe go. to nursing school then cuz I need you to. make the extra money, but let's call it. being done with the nursing school by. 42. That's okay. I mean, it's 2 years. I can do that. But again, that's without. negotiation. I think if you negotiate, maybe you take an extra year off of this. anyway. Nursing school done by 41. So,

you know, that's what I would do. And. then, I would try to try to cash flow. nursing school as much as possible. Go. to you know, do as much as as you can at. Austin Community College. Right. It's really it's really cheap. And of. course, the moment we're able to cut. back on rent as well by. Maybe the first thing we actually do is. pay the $4,000 from your past apartment. and then try to get into a cheaper rent. You know, cuz that can then save us $600. a month and all of a sudden our. situation becomes 4 years without. negotiation to. uh but 3 years.

And then, including negotiation, maybe. we're out of this in 2 and 1/2. You. know, there's a lot of options here. Literally, this is going to take work, strategy, responsibility, actually. budgeting. Again, go through the. education we're going to provide. Email. us with any questions you have. Come on. for follow-ups. Um. And then, just start negotiating the. collections. Take care of the rent. Get. into a cheaper place, which we know for. a fact you can literally just by. scouting Zillow. And just don't be late on payments by. actually budgeting. Take care of the apartment. Take care of.

the rest of the collections. Take care. of the Ford Edge. Minimum monthly payments on student. loans until they're paid off on a. traditional 10-year plan. 6-month. emergency fund. Try to cash flow. uh. nursing school as you can. And then, just live a good life. And you. need to start contributing 25% of your. retirement to your retirement after that. so that you can have a decent. retirement. That's why I plan on being a. travel nurse so that way I can build. that up kind of quicker. That's then. that's great. You can also wait a long time to have. these fall off your collections. Uh but.

again, that's going to make it harder. for you to get a cheaper rent. That's. going to make it harder for you to get. any other kind of debt if something bad. happens to your car. And you don't have. an emergency fund, so you would need to. like open up a credit card and you know, get groceries if you get laid off or. something. So, you know, it's just like. it that's your credit holding you back. right now is very scary to me. But, that's what I would do personally. I know it's a little more up in the air. cuz there's options to choose from, but. that's how in general I would go about. it. Now, it's going to take you sitting. down, looking at your past month.

spending, and fully budgeting it out for. a few hours. Then, do that every single. month and it'll get quicker and quicker. every time. Like, it'll be like 30. minutes eventually. Uh do that and. actually strategize this thing and be in. touch with us and we can help with that. Definitely. Hammer Financial Score. Make sure you guys stick around for the. post show. We're going to. bring in the producers and they have. extra drama in your life and stuff that. they know about that we probably didn't. have time to get to. They're going to. We're going to have fun, talk about some. extra tea extra 20 minutes. Your Hammer.

Financial Score, spending and budget, you're overspending by $1,000, so zero. out of 10. Debt, you have collections, zero out of 10. Emergency fund, you. don't have anything, zero out of 10. Retirement, you don't have anything, zero out of 10. Real estate, you have. nothing, zero out of 10. Hammer. Financial Score, zero out of 10. As you. guys Make sure to stick around for the. post show and check out every resource. linked in the description below where. you can get the budgeting program and. the investing program bundled together. at a 15% discount and all the resources. are there as well. Now, join us in the. post show. Today on the Financial Audit. Post Show. So, who's Were you looking.

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