My Lawyer Had To Step In | Financial Audit

You're annoying. Your personality, your. existence is bad. >> It is. I don't mean to bring you to a. breaking point. >> Oh, [ __ ] I'm going to be a piece of. this episode cuz I do not like you. >> Like I said, it's the future ivory. problem. >> Cut the dumb behavior. >> I'm just full of the fuckets. They're. bursting out of my scene. >> I hate this episode. I hate this. episode. The tools to change your life have just. been upgraded. Download my budgeting. app, rebranded to DollarWise today and.

start your free trial. Sign up for the. annual version and I'll send you my. budget friendly cookbook that can't be. purchased anywhere else and I'll. personally sign it and mail it directly. to you. Download the Dollar Wise. budgeting app today and take advantage. of your free trial. >> I'm Ivory. I'm 35. I'm from Los Angeles. and this is Financial Audit. >> Hey, thanks for coming over from Los. Angeles. We gave you a stripper name, didn't we? I didn't come up with it. I. blame the producers. I'm sorry. I.

apologize. But you're ivory to me now. >> I love it. >> Thanks for coming over from LA, though. Listen, you look like you're from LA. You, you know, you got some head look to. you a little bit. You got the keyboard, which is interesting. No one really. usually brings. toys. to financial audit, but I accept you as. who you are. >> Thank you. >> So, what do you do in LA for a living? >> I uh work as a stock person during the.

day at a prop house and then at night. I'm a musical pro. >> So, I play weddings, churches, casinos, restaurants, pretty much anything that. has music I've played it. Uh a lot of. comedy things, a lot of random things, scoring. Okay. >> Yeah. All over the board. >> That's why that's here. >> Yeah. It makes me. >> What are you hoping to get out of that? Oh, is that what Okay. >> It just makes me feel a little bit more. comfortable. It's like my safety blanket. Security. blanket.

>> You're 35. Okay. And how much money do. you make? >> Um, so on my day job, every two weeks I. make about 1250. >> net. That's what hits your account? >> Yes. >> Okay. So, every two weeks 1250. Good. So, we're looking at $2,500 a month. LA, how the [ __ ] is that possible? I don't. know. And then on average, your little. evening gigs, how much you making? >> About 1,500 bucks a month. It was bad. >> Yeah, it was um in the in the month I. submitted it was about a,000. But then.

>> submitted for what? Taxes? >> Uh, no. Submitted to the your team it. was a,000. And then for what? >> To to the financial audit team. I've. last month I made um I made $2,000 with. my gig. What's average though? >> Uh about 1,500. >> 15. And are you setting 20 20 to 30%. aside for taxes? >> I am not. >> Well, it wouldn't be financial audit. without that now, would it? >> Mm-. >> Okay. So, 4,000 hours a month. Except. I'm going to say it's worth $3,500 cuz. you're going to set aside money for. taxes. How long have you been doing this.

this this evening stuff? This extra. stuff where you should be setting aside. money for taxes. >> About 15 years. >> Have you ever claimed income for taxes? >> Yes. Yes, I have. And then I've also. written off keyboard repairs and then. written off different purchases. And. >> when's the last time you filed? >> Um, well, I filed an extension the past. year and I overpaid what it said I owed. >> But you filed an extension. >> Yeah. >> And then you overpaid? >> No, I overpaid with the extension. So.

when it submits it, you it lets you put. money in. So I did that. We uh. >> You're not doing quarterlys? >> No. No. I I didn't know that was a thing. for good musicians, but I've made sense. when I did it at the beginning of the. year. >> Okay. So, what's the tax situation currently? So, last year you filed an extension. >> Yes. >> But you've already overpaid? >> Yes. I. >> So, there's no concern. >> No. Well, I I did a couple I did a. couple jobs and shows and things that. didn't submit tax paperwork to me and.

from that we ended up getting some. paperwork after the week after taxes. were due. >> Okay. Okay. So, I get extra confused and. I also don't know who's reporting what. >> Oh, you're a quirky millennial, aren't. you? >> I I try my darnest. Um, and yeah, but we. uh. >> I don't claim him. >> But yeah, we we we you know, I never. know what's going to come out of the. blue, what's going to be reported, what's not. I get Venmos, I get cash. sometimes, sometimes I get uh gifts, but. that's my least favorite of the. payments.

>> What is that? >> No, no, no, no. jobs. >> I mean, on a good day. >> for paint for shows really. >> I mean, there was uh I was I was talking. about right before I had one person. approached me last year who just kept. coming to my shows and said she wanted. to make art with me, but then she came. clean about that she publiciz she like. publishes her art of that nature and I. was not down with that. >> Okay. Okay. Sure. Cool. So, $3,500 a.

month. Now, LA, not a cheap place. One. of the more expensive cities in the. country. >> Yes. >> Hi. That was a very flamboyant. Yes, I'll be. honest. Maybe that's why he turned her. down. How you doing on that 3,500? >> Oh, I am struggling. Why the are you. continuing your evening job that doesn't. bring in that much money for the time. you put into it instead of going and. being an adult that provides value to. society and gets paid based on their.

value so that they can then pay their. bills and not be a joke of a 35year-old. trying to make it in the big city even. though you're 35 not 25 give up. >> Yeah. It's uh it's the only way that I. find joy. It's the happiest thing that I. find doing and it's like the it's the. way that I feel the most honest and. earnest. >> Yeah, absolutely. do your hobbies. outside of work where you bring in money. and pay your bills. What's the struggle. like? So, I've been showing you how many. data brokers were collecting and selling. your private information. And I had you.

use Aura, who is sponsoring today's. video, to put a stop to it. Well, check. this out. Now, Aura is automatically. starting to opt your information out of. these sites. Data brokers collect your. personal information and package it up. to sell it to anyone who wants it. marketers, scammers, even identity. thieves, all without your consent. And. it's only going to get worse. The. government just quietly pulled back a. rule meant to stop our financial data, like social security numbers, from being. sold to the highest bidder. And this. just tells me one thing. Your privacy is.

just another line item on someone's. revenue sheet. We're out here telling. people to budget better and protect. their finances. Meanwhile, their. personal data is being auctioned off. behind the scenes. It's like a slap in. the face to anyone trying to take. control of their financial future. And. it's not just about privacy anymore. It's about how vulnerable they're. leaving people in fraud, identity theft, and even financial manipulation. And the. worst part, they did it quietly. No big. press release, no warning, just a casual. roll back of your rights while you're. busy trying to figure out how to pay. rent. And this is why I've been telling.

people to use Aura. Aura handles all the. hard work automatically. They identify. data brokers, exposing your info, and. submit opt- out requests on your behalf. They also do so much more to keep you. and your family safe online. And you can. go to my link, aura.com/hammer, or scan the QR code on screen to try 14. days for free. That's enough time for. Aura to start scrubbing your personal. information off the data broker sites. automatically. >> Ooh, it's a nightmare. Uh, we get people. that don't pay, people who fall through. on contract.

>> Okay. What's your struggle? You bringing. in $3,500 a month. >> Oh, yeah. >> What's your struggle financially? My. struggle financially is that I took out. uh when I had a really good job about. two years ago, I took out some very. large loans. >> For what? >> Um they were they were the they were for. >> that you um you had you you could for. what? >> I feel better when I have money in my. account and I. >> But you just got a really good job. Why. did you need to get a loan then? Wouldn't needing money in our account. require getting a loan when we have the.

not as good job? Yeah, I would synths. and then some production materials to. try to score more movies and do more. things from home. >> Have you scored a movie? >> I've scored three. >> Not a not a little YouTube film. Not a. little college film. Come on. >> I've scored one short film that's on. something. >> There it is. What's it on? Tuby. >> Uh, Amazon. >> Prime Video. >> Yeah. >> Okay. >> It was a short film as a part of a. anthology series. >> How did you get paid for that? >> I got paid $1,000 for that 15minute uh.

show. 50-minute feature. >> Okay. >> And uh yeah, I mean, you know, I just I. kind. >> Next Tanzimmer, ladies and gentlemen. >> I you know, I just uh and it's with that. I I get the money because I just get. this serious case. I I've been trying to. take medication for it, but I constantly. come down. >> Oh, medication. >> Yes. Yes. I'm just full of the They're. bursting out of my scene. >> I don't know what that means. Explain. what that means in a not attempting to. be a quirky, funny millennial way. So, I.

uh when I get under bills, when I get. different things that don't uh that fall. through, whether it's payments, whether. it's jobs or promises, um along with the. the industry right now has been very. hard. So, something that I was relying. on. >> What's hard about the industry right. now? I'd say it's always hard to try to. be in a musician in a very saturated. market. >> Oh, yeah. Well, the the. >> everyone wants to do it and there's many. talented people. >> Yeah. So, I've been relying on that more. since my fallback was production, and. working on production has fallen through. drastically over the past year. It's.

moving out of LA, and there's no. >> Yeah, it is. Why the would they pay the. taxes? It doesn't make any sense. >> Yeah. Yeah. It's pretty pretty dumb. Um, and with that, you know, I like I said, I work at the prop house, but they've. brought us down to three to four days a. week. >> And why would they pay any taxes? No. surprise. Everything's leaving. It. doesn't make any sense. You tax 20% more. than you get somewhere else. >> Yeah. people are going to leave. Who. would have thought? Basic math. Well, I. mean, I have a note from Lindsay that he. plays cheap shows, gets paid $30, but he.

just does it because he loves hanging. out and feeling important. How long is. that show and hangout that you're. getting $30 for? >> So, I I get to meet some comedy icons. when I do those, but it's. >> That was not an answer to my question. >> Three hours. >> Good. Put the fries in the bag. You will. make that amount of money borderline. close in California hourly. >> Yeah. >> Putting the fries It just feels it feels. so good to be on stage with some people. that I've just like watched growing up. and. >> um like uh. >> can't even name them.

>> There's Dane Cook or Dave Chappelle, uh. Eliza Slesinger, Camil Niani, like those. people when I get around them, you know, it's funny cuz try not to fanboy, but it. just. >> which you clearly are and you're willing. to give up your entire life and not. being able to pay bills in order to jerk. off to some comedians. >> Yeah. I you know it just the being able. to have that picture on my on my profile. and my portfolio it makes me feel more. worthy and more like I'm actually. accomplishing something despite the and. you're not Yeah. despite the negative.

bank account. >> Well, clearly it's not a very uh. competitive Well, no, no, no. >> Well, no, it's not in terms of like they. struggle with getting someone because. it's $30 for 4 hours. So clearly a. million people wanted the job and they. just accept the lowest bidder. >> There's not really anyone else who does. it in town cuz I don't. >> You do. >> I play people on stage, offstage. >> You're telling me there's no one no DJ.

that plays people on and off stage in. Los Angeles. >> No, not on the comedy venues. The comedy. venues. >> What are you talking about? the the. melanated theaters all uh they tend to. have, you know, more fun kind of random. things. I play a lot of variety shows. that aren't even I'm not doing standup. and I'm not playing a set. I'm more so. sitting there and then playing the. transitions and the underscore whether. it's a scene or whether it's a standup. comedian uh acting and it's $30 for four. hours. So clearly this again this isn't.

a good job buddy. No, no, no. I don't. give a Stop it. Stop. Okay. I just uh I kind of just play things. like that to whatever anybody says on. stage and. >> do that again and I will break it. >> But I. >> I will legitimately break it. That is. not me saying that as a bit for the. show. I will break it. >> You know, cuz there's a there's a. >> No, no, no. I will break it. No, I. seriously.

I found that from a beautiful composer. online actually. makes me uh you know it it's I don't. mean to bring you to a breaking point. but I really enjoyed that song and I. wanted to bring it here today. >> I hate this episode.

>> if you want to play it too. I mean, I. feel like you might have some some chops. or not. But yeah, $30 isn't the same price for. all of those shows, too, because there's. some that are one hour long and they pay. $100, and those ones are the people that. I like to lean towards more. Uh, they. make me feel they make me feel worthy. and they make me feel like I'm actually. getting. >> You look like someone who leans in the. middle of the street after a overdose. Well, yeah, I try not to lean off of.

other things maybe, but that one that. one's killing people left and right. Um, but I'll play in the street. >> We can only be so lucky. >> Yes, they uh, you know, to to fall in. the street or to play in the street. That's actually I built a rig to go in. the street with my music, too. But I. making my own thing is something that. I've kind of fought against. And with. this financial issues that I've had, I. haven't had the confidence to pursue. that wholeheartedly. So, I kind of latch. on to other people's projects, whether. it be shows or productions or anything.

and make that work. Um, I even on not it. wasn't 30 bucks, but we've done full. musical productions that uh we took off. Broadway and then we also sold them to. high schools and that was much more than. 30 bucks. >> Okay. So, what the have you done to try to fix. your finances? >> Yeah. So, I tried to reach out. I I've. done debtors anonymous meetings and I've. also done uh reached out to a debt. consolidation company, but they ghosted.

me. >> They ghosted you. >> Yeah, they. >> What is What is They ghosted me. >> I called them and I uh I was actually at. my day job and I called and said, "Hey, I'd like to see the options because I'm. feeling overwhelmed with all of these. debts and I don't know where to go." And. then they were like, "Oh, yeah, that. sounds great. Here, what do you got?". "Okay, yeah, send us over your. documents." and I sent them over two or. three of the bigger ones and then they. never called me or responded back. I. called them and they said, "Oh, sorry. We got no record of you." And it kind of.

kind of sucked. It kind of sucked. >> Why don't you go through it again then? >> Um, well, I to be honest, I actually did. a debt consolidation program about 12. years ago. >> Of course you did. And look where we. are. This is what happens when we do not. change behavior for [ __ ] sake. >> Well, I I it's with this. It's a. different place in my life here. It's a. different place cuz I'm not as crazy as. I was back then. Back then there was. there was too many cases of the justets. left and right up. >> Yeah, I they it.

Oh, and then I've also started to try to. make difference. I started trying to do. Uber, but with that um my car is not. practical for Uber. Um it's both too old. to drive people and then. >> what is it? >> A 2006 RAV 4. >> Dude, what the are you doing? What is. your future? What are you even trying to. do? Cuz this doesn't make CL you do you. you've been on just like this treadmill. forever trying to become this musician. trying to do all this stuff. You you.

make like minimum wage honestly in LA. minimum wage. Like what what are we even. trying to get to? What is your plan. here? What was your plan? Obviously we. know what's wrong. >> Yeah. I wanted to I want to have a. family. I want to have a family. I want. to I want to get a a dog a cuz then. maybe I'll find a um my roommate. actually takes care of dogs and it's. been a nice little surrogate thing. >> A roommate? >> Yeah, he's he's a dog sitter and so we. get tons of little surrogate babies that.

come through the house and uh I'd like. to be able to do that on my own without. freaking out uh because I can barely. take care of myself but I'm trying to. get by so that that's not as hard. So, you're just trying to get a family? >> Yeah, I'd like a family and I'd like to. I'd like to support them. Like, have my. have my parents. >> a joke. You're buddy, you're a joke. >> Well, I make a lot of jokes. >> No, no, no, no. First of all, no. Second. of all, no. You're living life as a.

joke. I don't You're not in your 20s. anymore. You're not in the upup period. where you can just go doing anything and. everything. This is time is against you. here. You're losing compound growth in. the market. You're in an expensive city. Clearly, it has no demand for you or. else it would pay for it. This you're. not. No, you're a joke and you're a. failure. >> I mean, I I feel like I feel like you. just you're not you haven't been chasing. the dream. I I feel like you know, >> you don't think I've hit the dream? >> Well, I mean, of music, the music dream.

of that, >> buddy. I made more money a month off of. than you do when I was just out of. college with music. >> I mean, there's some. >> that song you played, The Breaking. Point. Well, actually, no. I didn't make. any money off of that one, but the ones. around that I did. >> That was I I'm glad we wanted to point. it out. It was your song. It was a great. song. But yeah, I mean, that's the thing. is composition. I found this this. thrilling vibe on it. >> But you've been trying for a long time. It's just not working. And I'm good with. you pursuing your passions and lots of. hobbies. That doesn't mean that. I mean,

do you ever miss bills? Like, what are. we doing? I'm I'm sure you're borrowing. to pay bills, right? um. the borrowing to take out or the taking. 30% uh from my income to to pay for. taxes doesn't even seem practical with. the amount of bills that I've already. >> think you have to pay taxes when you. earn money. Listen, you're in the bottom. 50% of earners in this country and the. bottom 50% of earners pays literally 2%. of all income taxes in the United. States. You're not demanded for that. much. >> The rest of us are paying for you and. you're not even willing to contribute.

that. Well, but the prop house I have. full taxes came out and that's why it. always usually. >> Yeah. W2. But even still, >> that one seems to work better because I. just want to chase that dream. I just. want to be the. >> barely because I mean in your. conversations with Lindsay, I mean you. were taking a lot of pride in being an. artist who makes a living. But you don't. make a living off of being an artist. You have a daytime job that pays double. I'm sorry. I don't I'm not trying to. [ __ ] on your dreams. I still want you to. pursue it. I would love you to be. successful in it. Just so far it is not. working. Like you haven't hit there and.

you've been doing it for a bit. When did. you move to LA? >> Uh I grew up in LA. >> Okay. So you've had all the time in the. world. >> Yeah. I moved away for college, but then. I came back because I got I got a chance. to be a music person on a TV show and. that was the best paying job I've ever. had. >> What was it? How long? I'm sure it was. contractual though. So the show ended. and you were done, right? >> Yeah. It was three three seasons on a. children's show, but it was a very. unique. >> I would never never allow you near. children. >> Oh, but I love them. Hold up. Wait a.

minute. >> I mean, they're so they're so fun and. friendly. But uh but yeah, you know, it. was it was actually that was the best. paying. And that one wasn't even doing. the composition. It was more of a. productions thing where I facilitated. I'd watch the kids and make sure that. they were playing the right chords or. that they were playing in time. I got to. yell behind a director and that just. felt so good. But then there's not many. shows like that anymore along with. >> I just How are you even able to pay. rent? Are you in rent like rent. controlled? >> Um, yeah, it's pretty rent controlled.

>> Okay. So, for the sake of the 2% that. refuse to go out there and actually work. their ass off, i.e. this guy. Eight. The. other 98% are stuck with their endlessly. high housing costs to subsidize you. >> Well, I'm also, you know, donating. sperm, which gives me $150 every time. >> Oh, there's going to be they're going to. be running around. Hey, I'm not going to. pass along my financial tendencies, but. I want to pass along the energy and the. good vibes. And plus, I mean, the way. it's been going, I I the way it's been. going.

>> What do you make off a nut? >> Uh, 150 bucks each time. >> per nut. >> Yes. >> How often we do do we not can you do. that daily? >> Um, oh, you have to wait 48 hours in. between nuts. >> Oh, you got to save up. >> You got to save up and you got to be a. good eater and a drinker and not party. So I also. >> you don't but you're always going to the. clubs and stuff. >> Well, it keeps me honest. I I a lot of. the times the clubs and whatnot for that. are to support my friends or to support. the people that I'm with. >> So you can do it 182 times a year. What.

do you get paid per. >> uh Yeah, you get 140. >> You get uh Well, you get. >> how much? >> So the the way the system works is you. get paid uh 20 You get 120 each time, but then once you've done 10. submissions, they pay you $300 out. >> Um. >> and then you can't go back anymore. >> No. And then you just restart the next. batch. >> Oh, 140 bucks. This sounds like a. retirement plan. Can I just go jack off? Third $25,000 a year in nutting. >> Whoa. Hold on. >> It's. >> I'm hard right now.

>> I mean, so am I. >> What? >> And it's, you know, and it's it also I. mean, with the with the struggles, there's a there was a part of me that. thought, especially when I was reaching. out to the debt relief program, that. like the family dream might never not. ever happen. Probably not. Who would. seek you? >> This is a nice way to throw it into the. mix. You know, I like to think that. there's a little bit of an essence. that's existing out in the world of. hiding. >> Someone might seek you down later in. life. We'll find out. >> Oh, yeah. You have to sign paperwork. about that. >> Saying what? >> Well, they they they have a contractual. thing that if you when they turn 18,

they have the option to be able to know. who you are, but you can also remain. anonymous. Uh, but I I did not remain. anonymous. I wrote that I'd be happy for. them to find me. >> Yeah. cuz it's the only people who will. ever love you. I get it. So, how much do. you spend on a monthly basis? We know. 3,500 comes in. >> Well, my spending is a little is a. little crazy. >> That's an interesting number. >> Yeah, because it's uh so I I believe. it's around 20k. >> That's ridicul. No, that's that's what.

how. >> because. >> No, by the way, it's 15, but even still, what the are you talking about? So due. to the amount of payments and different. things that I have, I have a little. finagling that happens, which is uh one. of my accounts was opened in a separate. state. >> Stop hitting the table. >> Yes, sir. Um when I I open one of my. accounts in the other state, so whenever. I have one account that is overcharged, I have 48 hours to then replenish that. account back to zero to stop from an. overdraft fee or any other fee. So, I.

can take from one of the other accounts, put it in there, overdraft, and then. they bounce between. >> Whoa, whoa, whoa. How long has the cycle. been going? >> Uh, probably since the beginning of the. year. >> What? Just this year? >> Well, no, that was that was incorrect. That was incorrect. Ever since the uh. about November. I want to say November. >> What happened in November? >> Um, I had. >> something started this. >> Yeah. I had a I had a fall off. I fell. off on some production fell apart and I.

didn't have a job. I lost my job. I was. laid off from a previous thing. >> That's why when you're just on the. entrepreneurial gig to gig, you should. have a 12-month emergency fund. >> Yeah. I need I I had spent it all. I. spent it all and I should have I want. one. >> on on what? >> Um I mean it was just kind of just. trying to live. I was living in Sherman. Oaks kind of above my I was living in a. fancy fancy spot in LA. It was with. someone that I cared about and was a.

spiritual leader of mine. Um, >> a cult. >> Uh, they some call it that. Uh, yeah. Just someone who inspired and kind of. helped me try to be rigorously honest. >> Were they using you for your body? >> My mind. They were using me for my mind. Um, and. >> you never even told Lindsay about this. This is so rare that Lindsay says, "I. don't even know what he's talking about. This is impossible. Tell us more.". >> Um, yeah. I have a I have a friend who. back when we went in this is a long time.

coming but back when we went into. lockdown I found myself in some. precarious situations with different. mental issues and dependencies and. different things I was dealing with and. >> oh I see it keep going. >> ladies and gentlemen of financial audit. this is one of the most exciting moments. in this channel's history you know I've. been working on building all these. educational tools our budgeting app all. this crazy stuff over this past year cuz. that is where passion is. We finally did. it and now we put it all into one. program called Dollar Wise Central. You.

get the premium version of my budgeting. app. You get the cookbook mailed to you. and signed by me. You get to learn about. debt, investing, budgeting, real estate, basic beginner stuff and finance all the. way to the advanced stuff. Collaborated. by experts with the lowest refund rate. in the industry for a reason. And guess. what? You can try DollarWise for free. until September 1st. If you are. struggling or you want to learn more or. you want to change your life in any way.

whatsoever, like literal tens of. thousands of people have done with our. programs, go to dollar.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Dollarise.com. Let's go. the only person that I knew. who had dealt with similar things. I. reached out and he has since then become. a confidant, a manager, uh, a supporter. and someone that I kind of talked to.

earnestly and honestly about. >> moved in with. >> Yes. Yes. Not the best decision. Um, >> and he did not use your holes. >> Uh, no he didn't. Okay. >> There was a chance he wanted to. >> Oh, see I see I can smell this from. there. >> He's wearing the poly. I'm not one of. them. But uh, >> hold on. Easy. >> Um, but he's Not a racist show. >> Yeah. But very uh No, very much. That's. not my vibe. But yeah, he's uh he's a. good human. A good human that I wanted. to learn more and be more like though. He's a manager.

>> So what was wrong with the move in. though? If this equated to all this, what what the. >> um I was working at a I was working for. uh YouTube and Google at the time um as. a as a stage manager for their former. YouTube space. >> No. Uh, no. For their productions, there. was a brief moment where they uh tried. to do their own originals. >> Yes. Yes. That was a I thought that was. a long time ago. >> It was like two years ago. And then I. basically was hired as a part of that.

They started to cut down on their own. production saying wonderful creators can. handle it on their own. Um, and they. kept us around for about a year just in. case. And then they completely laid off. all of the uh people in that kind of. area and world. It's cool to go to the. Howard Hughes hanger every day and get. the Google facilities, but I was never a. Googler. I was just like, >> "What the why was it bad to live with. this person?". >> Because it was too expensive. It was too. expensive for my living. >> Okay. You really.

loaded the fact that living with him was. bad or something. So, I gotcha. I gota. >> He also had lived by himself for seven. years. So, it was he was not used to. having roommates. It's uh I I became the. dish man and the the dish man, the. cleaner. >> You were his little boy. >> I was the little boy. >> Well, you look like everyone's little. boy. Yes, we get it. We got it. >> I mean, if you want one, I'm here. >> Nope. Absolutely not. I will kill. myself. And.

what was your rent? >> It was 2,400 a month. >> Yours? >> Yeah, that one. Yeah, that one was. crazy. >> No, no, no. Your cut was 2,400 a My the. rent for the place was 2,400 and then I. paid 1,400. >> Oh, even still that's crazy. That is. >> And that was before utilities. Yeah. >> And what was was your income the same at. that time? >> Um when I was working at Google, uh so. there was about a year of when I was. living there and I didn't have the job. But when I was working at Google, uh it. was 76k a year was my salary.

>> And then they just closed it down. >> And then they just shut down all of the. vendors that were associated with it. >> That happens. It happens. And I didn't. have an emergency fund at the time and. tried to figure out my. >> when that just equals going into debt. forever. >> It was a problem. >> That's what you started. >> It was a I. >> It was only since November. >> Yeah. I looked. >> Were your finances good before that? >> No. No. There was a lot of thinking, oh, future ivory will deal with this. F. This is a future ivory problem.

>> That is what we named you. That is a. weird name. Yeah. That didn't even sound. right. >> No. >> Okay. Okay. Okay. So, paying bills today. is literally just transferring it onto. other things. Then. >> it's it's finding the means of uh you. know donating mixed with other jobs. >> Just not you don't do blood plasma. >> No. Uh no I haven't. I applied for. plasma about 2 years ago and I didn't. get it. Uh I was I was uh drinking at. that time and I don't drink now but um.

so I maybe I should try again but it's. working the day job. try drinking again. or. >> Oh yeah, try donating plasma and. applying for that again. But yeah, they. um the day job, the prop house mixed. with the good gigs. Uh we did reference. the $30 gigs, but there's a lot of 700. 900 travel gigs. I was actually here. about two months ago with some shows at. South by Southwest and stuff and those. ones really do help out with rent.

>> and. >> Okay, so. Oh yeah. Yeah, dude. And yeah, so that. was I mean. >> from from the it was just the Arizona. bank hack where um I was. >> yeah because I I basically I opened the. account in Arizona and then I had mine. one in California and then when I would. try to make these things happen I mean. you you called it but it's the swap. between the two until I found a job or. something that bring me back to zero. Um, so I get a charge for 300, I go to. -250, and then I have to bounce that.

between the two until I can find a job, whether it's donating, whether it's uh. working at a crazy out of town thing or. selling my body. Um, in musically, okay. Oh, you're a tough one to be. around. >> You sound just like my father. >> Yeah, he's never coming back. I I promise you.

just made an Austin Powers reference. The quirky millennial. Come here, man. Dude. Oh, you are Oh my gosh. Okay. What. do you think your financial score is? 0. to 10. Zero being the worst, 10 being. the best. >> Um, I'm going to say a one just because. we didn't talk. >> Why are you so excited about this? You. just had to say one. If you want to see. where you stick into the world of. finances, take the financial score. assessment at calebhammer.com or. dollarwise.com. And if you don't want to. end up like a guest who comes on the.

show, make sure you download the Dollar. Wise budgeting app today. If you ruin my. plug, I will murder you. I will end your. entire life. I will make sure that you. there is no chance you even make it to. the airport after this. You dumb little. If you don't want to be like a dumb, download the Dowise budgeting app. Take the free trial. Sign up for the annual version. You get. your budgeting cookbook signed by me, mailed directly to you. Sign up for. dollar central if you want all of our. education bundled with it for 80% off.

Wise.com. >> Sounds like a deal. I'm holding it back. I'm not playing any songs. They're in. me. They're in me. You can you can hear. them if you think hard enough, but I'm. not playing them. I want to make it to. the airport. >> Oh, yo yo, buddy. I don't even know, man. Oh, I just um I'm you know I'm a band. kid. That's what I did. And uh Wow. I. don't like performative mother such as. yourself. I'll tell you that. $1,500 on. miscellaneous [ __ ] in the last.

month. $1,500. What's your rent? It's cuz you couldn't. do a $1,400 rent payment. >> It's $800 now. $800. >> Okay. Then why the are you spending. $1,500 in [ __ ]. >> Well, the $800 is it's all cash. The way. I work it out with my person is 8. It's. 800 cash. >> No, no, no. You actual Come on. Don't be. a dumb. Don't be stupid. Don't be a. [ __ ] You couldn't afford a $1,400 rent. payment, so you downgraded. Then why the.

in the last month are you spending. $1,500 on miscellaneous [ __ ]. >> You know, it's the only way I know how. to find joy in my life. >> You just said the only way you can find. joy was going out. >> taking the lowpaying gigs. >> I said the two ways. Those are the. >> Well, choose one. You can spend more on. miscellaneous [ __ ] if you actually. go make some money by providing value to. society. Or you can cut all your dumb. three and go out and make no money doing. your hobbies. Choose. >> Um, I want to make I want to make the. music.

>> Good. Then cut the dumb behavior. No. more [ __ ] I don't give a. >> It's the only way I know how to feel. good, though. >> You just said the performance was No. No. I told you I don't you damn dare. I. said, "No, I will break it next time." And if you. think that's a joke, I don't even care. if it get any criticism for it. I will. smash this on there. I will do it. And. unfortunately, it looks a little old, so. I hope it doesn't mean anything. But if. you even try to play something, I'm. going to destroy it.

>> All right. And that's that's not a I'm. not joking. Get me this. Okay. What is a. MOI loan? >> A mobile loan? It was one of the loans. that I got from a letter I when I. applied on them. >> No, it came in via mail. >> Yeah, it came in via mail. I had applied. for some other options. >> Oh, APR ranges from 73.7% to 405%. >> What is this? >> Yeah, it's a nightmare. Cash advance. It.

was uh after I got shut down from. everything. >> Oh, we need to shut you down, buddy. What the is that? Yes. You have one at. that you. What do you Oh, >> if I pay it off immediately, it's 32. >> Go 3,200 right now. >> But then it's But then, yeah, it's also. >> I know it goes up obviously. >> Way up, >> but there's no chance of you affording. 3200. It's 141.75% interest. What is. your minimum monthly? No, it's a 210.

210 is your average out rate. >> and that's every two weeks. No, no, no, no, no. I'm talking about the interest. rate. What's your minimum monthly. payment? >> Um, about 400. >> Is your total [ __ ] payment $10,000? If you pay it off with minimums, then no. way. You can't do anything more than. minimums. >> I mean, that was the one place I was. debating taking out from the retirement. to just hit that in one fell sw. >> But it doesn't make any sense cuz you'll. just do it again cuz that's all you do. because you never fix your behavior that.

got here in the first place. Buddy, how. much is your minimum monthly? It's 420. >> That's your monthly. >> Yeah, it's two payments of two 210 every. two weeks that match my pay cycle. >> This is insane. What kind of Okay. When. did you borrow this and for for So, I. know it was a part of that whole thing, but what did you use this for. specifically? >> Um, I had other thing I I used it to pay. off other loans. I had other loans kind. of default on my account when I lost. some jobs and we were cut back on our.

work. So, I went extra negative in all. of the accounts and my tricks that had. worked in the past did not work. >> What tricks worked? >> Transferring back and forth over and. over. >> Yeah, the transferring back and forth. had happened and uh my my family doesn't. um my family doesn't support. financially. So, because of that, I. tried to find a way that I could handle. it myself. Felt like. >> Oh, good. I'm glad they don't enable. you. Why would they enable such [ __ ]. behavior and immaturity? Why would they? Do you think they should you?

>> No, I wouldn't. They they you know, I. love my family dearly and they'll give. me food and they they'll give me shelter. if I ask for it, but I don't want to. burden them with this. I want to be a I. want to be like just like how I want a. family. I don't want them to have to. worry. >> Buddy, in what world could you possibly. take care of a family? >> Probably a good like Lord of the Rings. kind of world where we're just like. giving bread. >> You're obnoxious. Oh, you might be. Oh, there's a few. It happens. It happens. once a quarter. Once a quarter. Not that.

I'm everyone's biggest fan, but once a. quarter I meet someone who I think is. the the guy I've hated the most in the. history of this show. I don't think I. like you. >> I don't think I like you. >> I don't think I like you. You're. annoying. You I Your personality, your. existence is bad. Your your existence is. bad. Oh, I'm going to be a piece of [ __ ]. this episode cuz I do not like you and I. am incapable of hiding my emotions. I'm. incapable. It is one of my biggest.

flaws. One of my biggest flaws by far. Okay. Um, and then you were denied by. Upstart for serial delinquency. >> Uh, I had applied for I already had one. loan with them, so I had applied for a. second one. >> And yeah, when the when the mobile loans. came through, that was to fight the. serial delinquency cuz I couldn't make. two payments that I was struggling with. Oh man. >> Have you been making your payments on. this? >> Yes. >> Really? How?

>> Um I mean working the 8 to 5 and then. getting up early and donating and then. playing whatever shows. >> You're doing morning nuts. >> Morning nuts. They open at 7:00 a.m. >> I'm more of an evening nut. I That's. okay. I don't know if I can pull it off. myself now that I'm 30, unfortunately. But. >> it just works, you know, whenever, wherever. >> Well, that's not true. That's not true. at all. >> It's true. 48 hours. You got to wait. that and drink plenty of water. >> True. Okay. Okay. So, do you go every. 48? >> Um, not every week. Uh, especially cuz.

>> Why though? If you're willing to do it, why not take full advantage? >> Um, just because when I have the good. paying shows that come in, the 300 to. 700 types, uh, that'll keep me out until. about 12 or 1:00 a.m. >> Good. Wake up and nut. >> It's uh, then the nut's not as pure. >> Doesn't matter. They give you the money. M that that is that is I'll consider. that. I'll consider. >> I just I just need you to make money cuz. this is insane, buddy. This is insane. We're talking $25,000 a. year just to literally jack off and.

that's my f that's my passion. It's a decent passion. >> Okay. I have empower. tilt. Yeah, they they just switched over. to the name Tilt from Empower, but it is. a banking app that uh basically links. with your bank account, watches what you. get paid regularly, and then will cash. advance you towards your paycheck. >> This is crazy. This is crazy. That's why. That's why I advocate for the Fizz card,

cuz it only lets you spend what's in. your checking account. So, it's. basically a debit card that builds. credit. That's what I advocate for. This. is madness. This is madness. Yes. And. you owe 309 repaid zero. Shocker. Oh, but you have to pay the full thing. >> Yes, you pay they give you $300 and then. you pay back 309. >> What a deal. Okay. So, when do you have to pay it. back? Oh, so it it happens every month. that you have to pay. And what happens. if you don't? Do you?

>> Yeah. Yeah, it it happens every month. And it really happens actually every two. weeks. >> So, they just have unlimited money. They. just get unlimited 9 18 bucks from you. forever. It's uh. >> you're on a subscription to them forever. because the moment you pay this back, you need it. >> Yeah. And Yeah. And then in in. >> Oh my goodness. Oh, can someone please. take my morals away from me so I can. just start one of these companies cuz. this is incredible money. Incredible. money for nothing. Yeah, it it it tracks. itself or markets as a way to track your.

spending and to work with how to how to. see where it's going and and it actually. does the breakdowns and that's where I. got my general ideas of what was. happening. Um because a lot of those on. that list are in a similar vein, >> dude. I don't even know, man. I don't. even know, man. >> Yeah. And I'm being told you figured out. how to scam the AI assistant to get more. time to pay things off. >> Yeah. Well, all of them basically use AI.

assistance for whenever you need support. or whatnot. So, on one of the previous. times when I did um when I did have a. hard time to make that payment or to get. it taken care of, I went in and asked. for an extension. And then I found out. that if you say that you can't make it. in the next two weeks, the AI assistant. basically says, "All right, when can you. make it?" and it'll give you about a. month. Um, so I've done that a handful. of times. Uh, where I try to just extend. the time. So instead of not 18 bucks of.

profit going to them, it's nine bucks of. profit. >> Dude, I don't know, man. And you think. you're doing something good? You think. you're making progress? You think you're. being effective in life with that? All. the time and energy you spend on that, buddy. It's just like, what is your. hourly at this 8 to5? >> Uh, $20 an hour. >> Do you have a degree? >> Yes. Jazz. piano performance and a business minor. >> As someone who went well, business. minor, shocker, as someone who went to. school for a relatively similar thing, uh what a worthless degree. But you can.

leverage you could you can take the fact. that you had a degree, became a. well-rounded student, and graduated, get. some work experience, leverage that into. a career position at some point. You. decided not to. Clearly, >> that was never an option in my brain. It. seemed kind of just like chasing the. dream and following uh following I've. been a yes man to whatever project comes. towards me. Uh, I've had a lot of. friends blow up and go off to bigger, better careers with their performance, whether it be on. >> um like like one of the things I worked.

with a lot was playing music behind. Dungeons and Dragons games and a lot of. those people now are working on big. networks as D&D players or game show. contestants, uh, things of that nature. And hoping, you know, I would like I'd. hope for that to be something to be a. piano player at one of those fun kind of. live show networks. >> Play Breaking Point again. I I added some chords on the end because.

I didn't memorize the whole thing. I. just memorized. >> You really did. So, all your friends. became successful and now the thing. you've done at the highlight of your. career is play a song that someone else. wrote while they were in college for a. student project poorly on their own. show. >> I thought it. >> Well done. Maybe it's time to go into a. career. H. there's a lot of music careers. You can. make really bad music. >> or you can go do a career. Work in a. call center, man. It's more effective. >> Yeah. You had asked earlier about uh.

things to pursue other options. And the. biggest one that also kind of pertains. was going back to school for music. therapy or. >> Oh, you know where your money goes? I. just learned smuggling in illegal. cigarettes into California. Yeah, they. made menthol cigarettes illegal about a. year and a half ago. They lumped them in. with the flavored with the flavored uh. vapes that the kids smoke and there's. just that's the one last thing that I. have on my vices. >> Your bank might not be your friend. I. see so many people on financial audit.

get stuck in vicious cycles of paying. off late fees, overdraft fees, and. interest from their own bank. Which is. why I'm excited about Current. Current. isn't a bank. It's better. With Current, your money actually works for you. Qualified members can get up to $750. with paycheck advance. Feetree overdraft. covers when you accidentally go a little. over and you can use the build card to. actually grow your credit. No credit. check, no interest. Earn up to 4% APY. and savings pods and access 40,000 plus.

ATMs without fees. And get 247 live. support. It's not just banking, it's. banking that actually has your back. Join millions choosing better banking. Go to current.com/hammer. and use code caleb50 to get $50. Start. building, saving, and breathing easy. See their website for terms and. conditions. The thing is that is the. third time you've used essentially the. similar excuse for smoking, for. continuing your evening lowpaying music, and for going in miscellaneous [ __ ]. It's basically the third thing. It's.

like, it's the last thing I have. It's. the one thing I have. There's nothing. else I have. Pick something. buddy. >> Yeah. Living day by day, trying to take. it. each day by day has just been hard to. kind of see farther than that, especially with the debts that have been. >> Are you at a pack a day? >> Uh I'm a little bit less. My uh. >> a little bit less than a pack. >> about 16 a day. >> That's insanity. Do you not know how. insanity that is? That is disgusting and.

horrible. >> It seems like less years where I don't. have to file extensions. >> That is true. Less years that I have to. allow you on the follow-up channel. That. is true. So that's essentially Yeah. It's $1,750. Pack of cigarettes is$,750. But what about the smuggling or is that. what it costs? >> That that's that's what it cost me. >> So 1750 a day is your subscription to. lung cancer. >> Basically, >> you subscribe to lung cancer for$,750 a. day. 365 days a year. Okay. That is 6,300.

That's insane. That is insane. That is. two That is like That's two months of. your income goes to cigarettes a year. Two months of your income goes to. siggies to future lung cancer to just. >> and it goes to feeling so so good. >> No, it goes to you looking older than 35. because you smoke. >> I mean, I got the Botox before I came. on. I thought it would look better. >> Dustin, you goting lines on that. forehead like crazy. That Botox is not. working, my dude. >> Oh, I know. I did come with a big ass.

pimple on my forehead, too. >> I don't know if Botox did anything about. that. I don't know, but. It ain't working. Okay. So, I'm not. going to write down the 309 as a debt. cuz I mean like you can just pay it off. and it's done and you're required to pay. it off. But it's cuz it's not a minimum. Well, okay. I'll write it down. Okay. So, he owes 309, but the minimum payment. is just paying it off. So, I'm not going. to add that into the minimums cuz you. just got to pay it and it's done. This. is a one time.

Listen, and if you ever decide you want. to grow up and get a real job, I'll get. you a course career certification. anyway. Okay? course careers to try to. get into something. I'll get you like an. accounting certification, a trade. certification, something to just get. your butt in the door and start making. money. >> Okay. So, we don't even have statements. These are just written down on paper. >> Yeah. Why? >> Those ones are apps that don't present. statements similar to the earn apps. >> But you people usually give screenshots. and I'm pretty sure Upstar has. statements. We've received many Upstar.

statements in our in our time, have we. not? >> Yes. Yes, but you know I it's a pretty. chunky stack. I think we we extended. some grace. >> We extended some grace. >> I had never seen my credit report. before, but it was 52 pages. That was. quite a lot. It seemed like a lot for a. report of credits. >> So, earning you ow 300 and then you owe. that 300 immediately, right? It's the. same type of thing. >> So, we'll add it to the debt. >> There's no AI extension on that one. So, that one is every two weeks.

>> Buddy, I don't even understand. J, man. found the ways I could make it work. without asking friends or family for. money is the easiest thing to do without. troubling them and not being a burden on. them. >> So $300. to earning and and how frequently are. you using that? I mean you started using. it since 2018 which is right when the. app started. >> Like literally when the app started you. downloaded it and you justing started. going crazy. >> Yeah. I also get ads for it whenever I.

watch this show which is crazy. >> Really? Yeah, >> that's interesting. >> Yeah. And then. >> not a sponsor, but it's a it's a ad. >> Yeah, it's interesting. And but then. with that, yeah, it they used to rise. >> Well, actually, I should be clear. I. have to notate the same with. consolidations and a lot of other. things. 0% credit cards. It is okay. There there are ways to actually utilize. a tool like this, but I every single. person obviously on this show does not. know how to use it. They get abused by. it. They abuse it and they get there are. ways to finesse. You were just using it. incorrectly. But go ahead. Keep going. I.

was just going to say that when the um. when the layoff that I previously spoken. about happened, I had actually used. those loans to pay off all of these in. one giant lump sum. Um but then once I. had no work or nothing promised, uh I. had a very weird job for a minute. Uh. but it wasn't very good paying. Um, and. that one that was when I paid them off, but then with the layoffs, it kind of uh. ended up making me go back to them and. not utilizing them correctly, thinking I.

would get paid for something and then. losing it. >> Okay. What is this? A Cass Express. This. is a 769% interest rate. Is that a. payday loan? >> Yes, it's a payday loan. >> That's aing payday loan. What are we. doing, dude? Just so you can have your. menthols. What a disgusting joke. Menthols and paying off my other bills. that. >> No, it's menthols cuz you'd be able to. pay off your other bills if you didn't. have a $6,000 a year subscription to. menthols. >> That was one that I just found and it. was accessible. I.

>> How do you even do this import? What is. this? This is menthols. >> Uh I basically in my days when I was. partying a lot. Um I would uh I would I. basically put a a smoke shop lady's son. through college uh because I paid so. much for different things back in the. past from her. And so her little payoff. to me is that she brings them across the. border and then charges a little bit um. the Nevada border or the Ohio border. You can't get them. >> She sells menthols under the table.

>> Yes. >> That is wild. I love how we always. create industries where banners. And and. I think it's worth noting that I when I. was still working at that YouTube spot, there was a guy who would leave his. business cards around because he sells. menthols for $25 a pack in California. and he'll only sell a minimum of two uh. packs. >> What's good about it? This is minty, right? >> They're minty. Yeah, it's minty. And. just uh some of them have more nicotine. in them. >> Um you're paying a premium for for that.

>> Shuts down my brain a little bit quicker. than the others. Plus, I don't like the. taste of normal cigarettes. I only like. the one cigarette. >> Quit. >> They taste like wood. I uh I brought my. I brought my loenes and my gum today. because I am trying to shift down and. counting how much I do daily and then. also adding in alternatives. >> Why is your life so performative? It's. so weird. >> Yeah, it's it's funny because it's not. it's not me trying to have a voice as. much as it's me trying to be the. sprinkles on all the other artistic. cupcakes that I'm surrounded by. Um,

it's always felt like the. >> are you talking about? >> Well, so being performative, it's always. I'm assisting the the talent. I'm. assisting the thing. Whether I was. working production or whether I'm. playing piano, it's never my name on the. marquee. >> Still isn't the literally you played. three things on today's show. Two of. them were one song that I made as a. literal school assignment in college. >> And it was a brilliant song. >> It's fine. It was too long. I should. have cut about 2 minutes from it. The. comments of it said that it was one of. the hardest songs they've ever played,

too, which I thought was really cool. >> It is. >> But yeah, it's uh you know, it's it's. finding that finding that voice that's. something that I've been trying to. explore over. >> Also, I'm going to have to link it. because he did not give it a good. representation. I'll tell you that. >> Yeah, I want that to be my legacy. >> That I mean, I can do it again if you. want. >> No, no, no. >> Um but yeah, trying to find I mean. trying to find confidence in myself. Uh. this is, you know, all of these things. are decisions I tried to make to step. forward and be my own person, without. asking other people for help, without.

trying to trouble my family, my friends. Um, >> so instead you trouble me. Wonderful. $255 owed to Ace. Now, is there a. minimum monthly payment with that? >> That's also a a or that's the payday. loan. >> What's the So it's 255 given to you and. then 300 is paid back. >> over the course of when. >> a month. Yes. >> And so every time? >> Yes. Yes. Did you just repeat it? >> Yes. >> You do it monthly 769% interest. Oh, Caleb, get rid of your morals. Get rid.

of your morals. Go make an infinite. amount of money. There's so many dumb. out there that will give you an infinite. amount of money. Oh, just abuse them. Oh, what the Why can't Oh, I'm a Goonar. prime. I'm a Gooner prime. Why can't I. also just be a piece of that milk. society? We can work together on a theme song for. that company. >> I was trying to have a moment with. myself pretending you weren't here. >> Goonar Prime.

>> Oh, dude. You don't You don't even know. how close I am. You don't even know. >> We can go to the to the sperm clinic if. you're that close. >> Oh, I do not like you. Audience, I do. not like him. >> Go, bro. Shut the [ __ ] up. Seriously. Seriously. Seriously. I don'ting you. What? Hey. Hey, you little Why are you. here? Why am I spending my time with. you? >> Because I don't know where to turn.

anymore. And I I am screwed. I'm. screwed. >> Doesn't matter. Your skin's turning. yellow from all the you do to your body. So, you're not going to be here long. anyway. >> Yeah. I want to I want to get out of it. I want to get out of it at with out. going 40 years or whatnot, paying the. super big 10,000 amounts on um without. cashing out my retirement and with. building an emergency fund cuz I'd like. to have a dog. I'd like to have a. family. I haven't dated in forever. because of the selfhatred that is.

present. Oh my, he's a horrible human. You are the. person that nobody wants to be around. You are the person that nobody wants to. be around. And I am forced to be for my. job. And I have the best job in the. world. Why am I complaining about it? Cuz it's miserable right now. Oh, is. anyone even watching this? I would. >> 2,163. owed to Upstart for what? And why? And. give me more details.

>> Yeah, that was the $2,000 loan um that. came a while back to help with like the. time when I was in the layoff. Yeah, I get a weird self-confidence or a. weird feeling of myself whenever I'm in. uh whenever I have debt or whenever I. have a negative bank account and can't. really do anything or go anywhere. because it feels like you have to spend. money to make music or to do any of this. stuff to even go to your day job. >> How much did you even spend on a stupid. little piano thing like that? What are. you wasting your money on just so you.

can be cute on camera? >> Oh, this one I mean this was actually. gifted to me, but it's only about 30. bucks. >> Gifted by who? Um, one of the groups I. work with, uh, because I work with I also coach. and, uh, teach several different groups. like improv techniques. >> Did you buy yourself? >> Um, I mean, I have another one that I. did buy myself. It's rainbow colored. >> So, this one's sentimental. >> I mean, not not not too much. It's. pretty uh, it's just a good easy thing. to take on a plane that I don't have to.

check when I put in my bag. >> Okay. Okay. I just the way you're spending money on. things. I'm glad you at least didn't spend money. on that because I just don't understand. what you're trying to do. So, the. upstart is $2,163. Tell me, what's your minimum monthly. payment. >> for that one? It's $54. >> $250 uh every what? Every what? >> No, $54. >> 200 uh $54.

>> Yeah, once a month. >> Okay. So, $54 once a month. What is the. interest rate on this? >> I hate this episode. I hate this. episode. I hate this episode. I'm buying him a new one cuz it's I'm. not a piece of but I had to confirm it. wasn't sent a mental first. I hate this.

episode. I want to see that happen with. a laboo. Oh, trust me. I'm burning that thing. >> Okay. >> So, you $54 a month upstart. When did. you take that out? Did you already. answer that question? >> Uh, no, I didn't answer with the date. No, that one I took out in um that was. October. >> And what was it for? Cuz that's before. your November crash. >> Yeah, >> I actually do feel better. That. >> that one um Yeah, that one was to kind. of help just with the uh moving out and.

moving around expenses. to help me pay off all the other uh. monthly things that had been uh. tabulated up. >> Okay. Oh, dude, you have a credit one. >> I have two credit ones. >> Two credit ones? It's like the worst. credit cards you can get. That means. you're in the worst position you could. ever possibly be in. >> Yeah. Well, that that happened after I. went through the debt relief program. They were the only credit card that. would give me any sort of card. Of.

course, because they make an infinite. amount of money off of you. They got to. pay for their stadium in Vegas somehow. >> I didn't know that they have a stadium. in Vegas. That's hilarious. Are they the. sphere? >> It's not a stadium, is it? >> I thought I thought it is. >> It's a venue. >> Credit one. Okay. Certainly not paid off every month, I'll. tell you that. Not purchasing. Oh, it's. cuz it's over the credit limit by 86. It's over the credit limit by about 25%. I've been paying the minimum, but that.

doesn't bring it down to the even that. limit. >> No, it doesn't. Cuz you went well. beyond. And you know why? Cuz um. there's, you know, >> late fees. You dumb. If you pay the. minimum, but it's a late and then a late. fee comes on, you're right. It doesn't. go below. Oh, weird little Wait, let me. let me check that math one more time. Oh, true. I'm correct. Who would have. thought, you [ __ ] You think you go and. you pay late, your minimums is going to. go down? You you dumb piece of [ __ ] How. the do you even say, "Oh, look at me.

I'm paying my minimums, guys. I'm paying. my minimums." This is you every morning. I'm paying my minimums. Oh my goodness. And that's going to make it go down. Oh, but I pay a late. You. Why would you even set it up with I pay. my minimums and it's not going down? You. no is not going down, you dumb actual. >> Yeah. 7:15 a.m. I'm always jerking it. like that. But um that is you know that. that the credit one is the one that I've. dropped the ball on. That one I kind of. got all by by three months now. You've.

been late. You actual dumb. Why do you. exist on the same planet as me? Why am I not entitled to being around. better humans? I've never been one to be entitled. I. talk against entitlement all the time, but this is the first entitlement I will. grab. And it is I am entitled to not. have to deal with pieces of. >> Oh, I hate this. Okay, >> it's uh you know that that card I just I. kind of hate the company and it was done.

out of spite for a little bit. >> That doesn't make sense. They're making. more money off of you. You dumb. You. benefited them. You actual dumb. creature. >> Well, now that I know there's a. >> Shut the up. I don't even give a. >> class action lawsuit. >> What? There's a there's a class action. lawsuit going against Credit One right. now, too, for the predatory tactics. >> I'm sure there is. And who even knows. that it will actually work. Class action. doesn't mean it succeeded. >> Yeah, it got me though. It just made me. feel better about part of it. >> Yes, I signed up with their I signed up.

with the website I found it through. It's like Washington Post had done a. post about it. >> It's interesting. I'm curious to see. where that goes, but I don't know. You. opened this in 2019. Like if it was. fully taken advantage of you predatory. things, then you would have paid it off. at least a couple years ago when it said. you're above the credit limit like a d. >> Yeah, I paid it off when I took out the. big there's another fund that you're. going to get to that I haven't uh that. we haven't dealt with and that one I. actually paid it off and then had to I.

used it as an emergency card. for those emergency menthols. hundreds of dollars of fees and interest. from that card alone this year. Normally. a $30 minimum to payment. Right now is. 90 cuz he's late the past few months. I have to make it to the end of this and. actually give you a budget cuz I know. you actually want help. You're just it's.

it's your it's it's your personality. that is performative and quirky. millennial and I hate it. So I know. you're genuine and I that's why I'm. going to do this still. >> trying to stay positive and grateful. >> No buddy, you look like someone who's. been HIV positive for the last 10 years. >> Go survival. >> $5575. You're what happens before they invented. prep. >> Is that something you do in Excel?

Okay. Another late fee. Why. >> for the credit one? I honestly had lost. track of it. >> What did you lose track of? You can have. automatic payments on. What do you mean. I lost track? Well, so everything kind. of turns into a dayby-day payment with. uh with all the funds and the mixing. between of these different kind of. oneoff cash advance loans that uh link. up with the account like the Tilt or the. Earn or the Cleo that's going to come.

up. And with those different ones, I get. to a place where I take care of some of. them and then didn't take care of uh. didn't take care of things like Credit. One like I should have. >> Okay. Yeah, that's crazy. Late fees like. madness. Hundreds of dollars interest. Late fees 28% interest. Over the limit, you owe $5575. The limit is 500. The. minimum payment is normally 30. Right. now it's 60 cuz you've been late by a. month.

Cast central payday loan. People don't. even call themselves payday loans. anymore. This is when you know you've. gone to the bottom of the barrel. >> That one was through an email. >> So you got an email and you signed up. >> Yes, I have. >> Oh, you creature. When? Where? Why? How? Why? >> That one was about last year. February. I uh. >> last year, February. So, don't tell me I. got this in November of last year. So, it was last year. February. You. >> Well, that one Yeah, that one. I mean, that one was kind of I didn't want to. use any of the other ones I had used. before. And then when I read reviews.

online, that one was a little bit better. than Ace or Speedy or the other ones. that. >> If you're taking out a singular payday. loan, that's bad. There is no good. payday loan. You can finesse a lot of. things. The pay advance, you can even. kind of finesse here and there. Payday. loan. I can't think of a way to finesse. that. >> Yeah, it made I mean the $45 or the. Yeah, the $45 charge made sense when I. had good uh jobs on the books that. seemed like I'd be able to pay them. forward trying treating it as a cash.

advance, but I've had a lot of jobs fall through. or contractual. >> So, you still owe 290 and you took it. out. Well, it's cuz you just do it every. month, don't you? It's one of those, dude. So, oh, promo code brought it down $9. Yes. Cash central. Okay. Looks like you owe $290.38. Again, not going to put it in the. minimum because you just got to pay it. once and it's done. But you just you're.

just in this cycle where you're just. using one to pay for the other to pay. for another to pay for another to pay. for another. That's like the main reason. I wanted to come here because it's kind. of felt like a brick wall. I at first. thought I was taking care of it myself. and then it just is completely. without a paddle. This is just crazy, man. Oh my gosh. I can't believe this is even. more going. This one's out of Las Vegas.

188.86% interest rate. I'm not even like. surprised anymore. Okay, here we go. 36.76. a month. No, every other week. Okay. So, it's I. mean it's just two monthly payments and. then it's done. You borrowed 125 for. what? Literally 125. $124. I'm not $125. I'm not saying it's an insignificant. amount of money, but when it comes to. like everything, it shouldn't be make or break of life.

and you had to borrow that at 188.86%. interest. What? What happened? >> I needed gas. I needed food. And yeah, I. getting around in my RAV 4 getting from. the gigs the west side. I mean, I drive. probably about I drive probably about. like way too much. >> That makes it. that's an interesting number. But it. that makes it so that obviously. obviously then these gigs are just not. worth it worth it because you're not. even getting paid what you're using to. travel.

It's just not working worth it, man. You. got to stop. joining community bans and and just call. it there, buddy. This is not working. >> This isn't working. I don't know if your. networking's flawed or if your skills. are flawed, but something's flawed. >> Yeah, I want to play. There's there's. things that I want to still play, but. then I think there are a lot that. >> they are starting to look a little lame. Um, and it's not worth it to go down to. Hollywood and do, you know, 6 hours for.

30 bucks. >> Maybe go with the wind. Go with the. wind. You just said all of the market. there is moving out anyway. They're. going to tax advantage locations. They're going to London. They're going. to Georgia. They're going to Vancouver. >> They're leaving. Even Texas just passed. a massive subsidy and encouragement for. film organizations and maybe they'll. come here. >> Yeah, I've heard of some things here. Um. but then it's actually Yeah, because. with that when I before I moved back. home uh or back to my home state, there.

was uh I was actually surviving Wait, what's your home state? >> California. >> Oh, wait. Where did you Wait, where were. you? >> I was in Arizona. >> Why? >> Um cuz I went to Arizona State as a. college. >> Okay. Sorry. >> That's where I studied music. And then. um after I got out of school, you know, the networking was kind of pre-built. from school and it was very easy to make. a living just doing the music prostitute. life. >> Ever thought your tax return felt like a. courtroom drama and you're the. defendant? Well, what if I told you you. could turn that chaotic vision into a. full-blown cinematic masterpiece? With.

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want to get bogged down in the process, try Invido AI for free using the link in. my description below and start turning. your ideas into stunning videos today. This will save you hundreds on editing, animation, and studio fees. All right, let's get back to today's episode. Well, then it should have been able to be. maintained if it was that easy. >> in Arizona. Yes. But then I was kind of. enticed. >> Arizona. >> I don't know. It's kind of hot there. >> It is. That's why I would never. >> It's pretty It's pretty toasty. >> I would never. >> And the rent was super cheap. It was.

$475. >> I would never. He's giving me a look. He. He lived in Arizona for long. Why the. would I live in the middle of the. desert, not near any coast? You're not. getting a benefit. At least Vegas. You. can drive to LA in 3 hours. >> There's Filipertos in Arizona. >> I'm not going to drive for 6 hours to go. to LA from Arizon Phoenix. >> I mean, after I moved back, I was also. playing casinos. >> This is urban spraw. Doesn't even It's. not even walkable. It's just suburbia. forever. >> Yeah. just depression and just stick a. barrel in my mouth immediately. >> They have a lot of casinos. >> The last city I would consider moving.

to. >> Yeah, they have a lot of well-paying. casinos there too that also work out. well, which were good for the music. gigs. Those ones usually pay 300 to 500. >> Okay, so this gets paid off in 2 months, but then you probably just take it again. and we'll find out. Okay, Money Line. We've seen money line before. Okay, what's going on? >> So, with Money Line, it was a credit. builder loan. one of those ones where. once you have an account with them, they. give you a certain amount of money and. then as you pay that off bi-weekly, uh I. believe in $35 increments, it reflects.

on your credit um building. >> Yeah, but it's at a 23.99% interest. rate. This is not a generous program. >> And then once you get to the amount, like if they give you 800 bucks, then. once you pay off 600, they hold 200 in a. reserve that's unlocked uh once you've. made those good payments. Okay, your. monthly payment comes out to. $7848. >> every two weeks with the with the. paycheck. >> No, that's that's your monthly.

cuz I added your bi-weekly payments. together. >> But it's at a 23.99% interest rate. It. is not beneficial to you. This is making. money. This is making money forever. >> After I did the the first debt relief, my credit was real low. So it's kind of. come up much higher than it was then. which feels better but still don't have. a lot of options in building or getting. funds whenever. >> this a different thing this money line. instash. >> that is uh similar to yes that's through.

the same thing uh through the same app. but it's. >> but it's a different thing. >> yeah similar to. >> what do you owe to this. >> that one I owe about uh $800. >> What's your minimum? Uh the minimum it's. a it's a onetime payment. >> So this is back and forth, back and. forth, back and forth, and you pay a fee. for it every time. Huh? >> Yeah. It forwards you 760, but then you. pay back 808. >> Oh, you creature. These companies, man. These companies. But listen, listen.

Yeah, these companies are evil, but look. at this guy. Look at the life choices. he's made. He's actively decided to go. do these and not cut back on his wants. in order to even while doing his nothing. his nothing income hobbies like this is. all on him. He signed up for the rent. I. don't have sympathy for that. He signed. up for the expensive rent inexpensive. area cuz he wanted to be with this cult. leader. I this is like normally I'm. vehemently against these companies but. it's not even their fault. You just did.

this. >> where. >> and you just kept going. Yeah, but where. else would someone go then if. >> the market though with that? I mean, >> your market, buddy. You could get a job. paying better than $20 an hour. >> I mean, Costco right now is at $30 an. hour. >> Oh. Uh-oh. He solved it. >> So, that was actually a pretty opportune. thing. I. >> get a hot dog on the way out, buddy. It's the prime life. >> I'm more of a chicken roll guy, but I'm. I'm down with that. >> False. >> That's trash. Um, yeah. I mean, it is,

you know, it's it's to do the art. I. mean, because that's the one thing with. working where I'm at right now. I was. working production and was making good. money from that because those days would. be like 250 a day for the short uh for. the short three-month contract or. whatever it is. But um now I'm working. at a more corporate entity that utilizes. like vacation hours and has. >> get a job at Costco, then go get a job. at a second Costco and then a third. Costco. Go get a million Costco like. jobs. Costco on repeat. Give up your.

stupid passions that are not working. >> or Trader Joe's. >> Yeah, yeah, yeah, yeah, yeah. >> It's another payday loan. >> Oh, it sure is. That 230.04%. interest. This is insane. Oh my. goodness. Are you making history? Is. this the Is this the most amount of. payday loans we've had? It is. >> Oh, I'm going to murder you. >> Can't break my face. >> Cuz it's already broken. >> Yeah, it's just sound like my mom now.

Okay. So, $225. for Advanced America. Very patriotic. >> Got to support America. And two of. >> Well, you're draining it. >> Yeah. Two of these four payday loans, by. the way, do still have an option that. you can once a year go for a payment. plan of doing four payments. Um, there's. I don't think we've gone over it yet, but Speedy Cash and Cash Central do not. offer that program, but Advance America. and Ace Cash do offer that.

>> Well, are you going to do it? I don't. know because they look you just have to. make the full payment and then borrow it. again. It's just endless repeat. >> Yeah, it's I mean, I was looking at the. I think it's called the popcorn method. My friend who has been in a similar. struggle told me to pay it off and then. take less and then pay it off and then. take less and then personality is. insane. By the way, not with what he was. just doing right there, but with the. brown bound and everything. This is an. ultimate. Now that we know how bad this. is and how this is more payday loans. than anyone's ever had in the history of. the show, you.

are coperforming. and trying to be interesting and trying. to be entertaining and trying to be. funny cuz you're just coping through. your life because it's nothing but. misery and despair cuz there is nothing. here. There is nothing here upside for. you. Your hobbies, your passions are not. working. You're failure at that. You're. taking out more payday loans than anyone. in the history of the show that features. all the worst finances you could. possibly imagine. You have nothing. So. your little goofs and gaffs and your.

performative nature, it's just a massive cope. >> It it you know, I got to find happiness. somehow because otherwise the. hopelessness just kind of takes over. >> But unfortunately, your desire and. quirkiness to try to find happiness. drains everyone else around you of. happiness. Ooh, >> you just don't know that yet cuz people. aren't normally candid enough to tell it. to your face. Luckily, I have the show. as an excuse to do so. Okay. Speedy. Cash. >> That one's just a payday loan. 30 uh. >> just a payday loan. >> And number four, 255 and you get a.

payback 300. >> Hammer loans, ladies and gentlemen. Hammer loans. I swear. I swear. Just let. just [ __ ] I need to let myself be. just a horrible person and I will make. all the money. I liked the other name, but. >> Huh? >> I said I liked the other name. Gooner. Prime. I thought that was a fun. >> That's like an energy drink, buddy. >> Okay. Energy that gets you funds. >> Okay. Wow. We're actually to a traditional.

credit card. Who? I No, wait. No, we're. not. >> Nope. It's a car title loan. >> A car title loan. >> Yes. >> What the is wrong with you? Why? >> I had uh two I had two Priuses before. that had completely died and um after. that happened I got this car but then. >> I knew he was gay. >> I used up all of my I used up all of my. savings to kind of get to this car and. so after that I I still had these other.

loans that were sticking around and I. had this all amassed together. Um, and. then that was when I thought if I take. out the one, I could have a I could have. a. uh. debt consolidation type payment with the. car title loan, but then that all fell. apart with the layoffs. >> Yeah, that sucks. Sucks. I mean, you owe. over what your limit even is on this. It's kind of crazy. I'm sure you were. late, right? You owe the full thing.

>> I haven't been late on this one. >> How are you over what you're literally. able to borrow them? That doesn't make. sense. Uh well they gave me I mean I. think it's the interest with it. They. gave me the 10K. um or the it was like 115. with that one cuz it was first. >> the previous balance was 448 and then it. went up to 756. >> Um yeah well they they I reloed when I. was. >> Oh man that's insane. That's insane. Okay. $75684. is owed. >> Yeah. We lost a couple uh months of.

work. We lost January and February due. to the fires. um. >> um the the places I was working and with. that. >> another reason to move. >> Yeah, that was the way we couldn't I. didn't know where else to go. >> It's crazy, man. Yeah. 30% interest on. that piece of Oh, one main financial. We've seen her. We love her. Here she. is. >> That was the same one. >> that we already saw. >> Yeah, that was the one. This is all one. main. >> What? >> The past two pages you just threw. >> Well, but this balance is substantially.

higher. >> Oh, then that must have been the real. loan. There's only one I only have one. loan with one main. It It was reloed. where I got the 10K and then they. brought it up to 11. They gave me 500 on. top of that. >> Oh, so you owe a total of 12,456. >> Yes. >> Oh. Oh, no. No, no, no, no, no, no, no, no, no. So, First National is a part of. that? >> Um, no. First National.

>> Wait, what's the one main? So th this uh. so this is the um so we've got mixed up. that was I thought that was one. >> national. >> oh I thought you threw a one main page I. >> I haven't seen one main. >> okay I thought my bad. >> this is a new debt. >> I done screwed it up no so for I was. mixing it up then the first national is. a cash advance that they see against the. um. >> $12,456.56. >> this is the car title Oh. Oh,

okay. Your monthly payment, of which I'm. sure you don't make, is $446. >> I do make it. I haven't missed that one. >> Borrowing all this in months. >> and jizz in in cups. >> in months. >> Yeah, that one I make. It's in It's. twice a month every time with the pay. cycle. >> 35.49%. interest rate is crazy. >> I I kind. >> that is crazy. >> I didn't know any other options. I. didn't know where else to turn and then. that was like one of the things I have.

of value but how do I afford school when. I don't give a about Wait, you took this. out when as Arizona State. >> No, no, no. I said how do I like go for. a career? Yes, I a career would be a. great idea. >> Can be a career. >> Yeah, the I mean I don't have many. things that are assets to me when we. were talking about it before I came on. here. Not a cool things. I mean I have. one like cool Batman artwork but it's. not worth much at all. I don't like you. >> You don't like Alex Ross.

>> And then a pawn shop. >> Yes. Two things there. >> You owe a pawn shop that. >> Yes. >> What? >> It's my Fender roads. It's a a Fender. keyboard. >> Oh, okay. >> So, it's a it's a keyboard that instead. of uh strings, it uses tine bells. >> You have pawn shops. That's also a first. time in this show history. >> Yeah, it's got sad amp. >> This is becoming just sad. Oh, okay. So, how do go ahead and walk us.

through, if I'm not mistaken, you give. it to them, they give you money, but you. have to give them more money to get it. back, right? >> Yeah. So, so they gave me a $400 loan. when I lent over my uh keyboard and tube. amp. And then 6 months down the road, you pay $435 to get it back. >> 6 months. >> Uh they they actually changed it. It was. 6 months last year cuz I've not the. first time I've done it. This year it's. down to four months, but you can also go. in and pay that $35 interest if you.

can't pay the full amount on time. So. you go in, if you can't pay $435, you. pay 35 bucks and then you have another. four months to either get the full. amount. >> Oh my goodness, what a racket, dude. You've fallen into every trap. The. only trap I don't know if is like just. like what what is it called when you. shoot a lone shark? I haven't done those. recently. I did those back in my early. 20s actually. In my early 20s. >> Tell me. You have to tell me. Tell me.

>> Yeah. I mean, I did one of those like. they gave me I was working at a $5 store. on Hollywood Boulevard where I had a. regular uh a regular paycheck and I was. very performative there. I was the MC. But with that, um I was into some. dastardly kind of things and partying a. lot. Um, and from there they would give. you $1,500 and then if I remember. correctly it was about $6,000% interest. So in total you would pay back about. $24,000. You get $15,000.

>> by when who gave this to you? >> Um, >> not name but like just a person that. would come up. >> It was uh Yeah, it was like a Google. search. I thought they've been outlawed. because those are those are the one. things that I try to look and not fall. into. I mean, I have some pretty bad. interest percentages, but on the mobile. loans is the closest to that. But on the. other side of that, the loan, the shark. loans, I've always I was always told. they were called shark loans, but those. ones uh Yeah, they would be upwards of. >> No, I mean like the shady dude at a bar. that'll give you money if you don't pay. it back, you'll literally break your.

knees. >> Oh, no. This was like a Google. This was. like actually. >> That's still insane. >> Yeah. When the last time you took one of. those out? >> Uh when I was 2. So 13 years ago. >> Jeez. 22. >> Yeah. >> 20. like 22 22 insane. What were you. doing? Why did you have to take it out? >> Um I was living outside of my means. I. was living outside of my means and I was. definitely partying my off. trying to I mean trying to just like. forget everything. Trying to just be.

in a stupid moment that I learned is. kind of uh not in gratitude. >> What now is different? What now has. changed that has made you come on here. and actually want to change cuz I know. you have. You're just obnoxious. >> Yeah. >> But what has actually changed? >> I'm realizing that, you know, there's a. lot of things that you got to be uh more. I got to show gratitude. I got to have. gratitude. I mean, I try to force the. gratitude and that's where this. happiness kind of comes. Um and then I.

also got to just kind of uh give myself. grace. I I hated I've hated myself for. the longest time. That was me. I mean, when I took those out, that was the. longest. Like I said, it's the future. ivory problem. Future ivory, we'll deal. with it. Let's do this other stuff and. party. Who knows what'll happen. Maybe I. won't make it through the weekend. It'll. be a fun time. And nowadays, um, I do. want to I do want to keep going and keep. doing stuff. I mean, a family would be. ideal, but to actually just be a normal. human who doesn't have the the problems.

like this and the the uh the end all be. all running around like a chicken with. his head cut off when things fall apart. >> What is this? Cla. >> Um, that is uh. >> I heard a Uh-huh. from from Lindsay. So, I guess it's CLA. >> CLA. Yeah. >> Oh, baby. You got CL? Um, I did CLA for. a flight. >> No. And Tik Tok Shop and Airbnb and Tik. Tok Shop. You actual creature. You don't.

even remember. How [ __ ] up were you? >> Um, >> dude. Seriously? >> Yeah. I've I I didn't know I have a Tik. Tok shop account. >> Are you getting scammed? Lindsay just. asked. That's just She just gave a face. of like shocking confusion that I have. not seen in since I've met her. Yeah, that's I mean that's that's even a. document that I don't remember even. submitting. >> I mean this was one of like the most. chaotic that we've ever put together in.

terms of documents. >> and thank you for working through it. >> This was a financial crime scene. >> Yeah, lovingly. >> Yeah. And I'm glad everyone's still. alive. >> May I see that? >> Yeah, it has autopay with Tik Tok and. autopay with Airbnb. And I don't use. either. >> Morgan Stan. >> These are accounts that I have. These. aren't debts. >> You have 11,000 of Morgan Stanley.

>> Two accounts make that. It's at about. It's at about 10K right now. >> So 10K total. So this seven's just a. part of that. >> The seven is the uh traditional IRA. >> So that's something extra separate. So. 17,000. >> No, no, no. Those that's part of that. That's part of the 10. >> Okay. Well, there is a piece of hope on. there, I guess. I mean, that's. surprising, oddly enough. Okay. Started. the checking account with $30. >> Can only move up from there. >> Nope, that's not true. But you did add,

2017 ending. Smoke shop. No one. surprised. ATM withdraw. ATM transaction. fee. Smoke shop. Brightite.com. membership. Smoke shop. ATM cash. overdraft approved. Great. $820 ATM. withdraw smoke shop Apple Bill Starbucks. or belief in the name of the smoke shop. for reasons you've learned earlier in. the conversation Jack in the Box ATM. withdraw smoke shop ATM withdraw Apple.

bill smoke shop Starbucks ATM withdraw. ATM withdraw going Indian BS probably. smoking Starbucks shop 7-Eleven NNS NNS. sea store sea stores smoke shops zing. Wow. Smoke shop. Dude, this is. disgusting. You should be disgusted hearing how much. you get smoking, man. Market traveler [ __ ] Aware traveler. TM withdrawal overdraft authorized $140.

ATM withdraw reoccurring payment from. Cleo AI. >> Yeah, that's the. >> Oh, good dude. Reoccurring payment ATM. withdrawal for overdraft authorized. $260. ATM with Starbucks, Hillrest. Liquor, Smoke Shop, our Crew, uh, Smoke. Shop, Apple Bill, Apple Bill, Smoke. Shop, Bubble Up Express, Smoke Shop, Violola, Smoke Shop, ATM withdraw,

Going NSA ATM withdraw, Apple Bill, Smoke Shop, Smoke Shop, ATM overdraft. approved, $340. ATM cash approved, overdraft, $50. bright.com membership ATM withdrawal. $1,000. >> Yeah, a lot of those ATM withdrawals are. when I would transfer it over to the. other one to prevent overdraft. I would. acknowledge the overdraft which could. happen, but then I'd have 48 hours to. get that covered. >> Jeez, dude. I don't know why you why you. accept this life. Savings went down from.

200 to 20. Well, was this even savings? Is this just another spending account? Smoke shop BS. Google one smoke shop ATM. withdraw intelligencia coffee. Microsoft ATM withdraw ATM withdraw ATM. withdraw Hollywood fringe ATM withraw. ATM withdraw ATM withdraw. I can try to budget you out of this. budget unfortunately is not going to be. the answer cuz I doubt you can afford it. this makes no sense like right now this.

doesn't make sense the real answer to. this big guy. >> Mhm. The real answer to this is change. your behavior to prove that you're. actually able to budget and not. completely mess up your life and then go. through bankruptcy. >> That's it. Get as close to a fresh start. as you can. Lots of rage this episode. and annoyance and upsetting. But the reality of honestly it doesn't. really matter because again these miny. pay you're stuck in these cycles in. order to get well the minimum payments.

are actually not the worst because you. just have to. uh what sucks is everything that's owed. right up front in order to get rid of. the other debts. But the ongoing minimum. payments alone are not the actual worst. Well, they're they are bad for your. income. They're about a third of your. income at $1,132, but you don't make enough to pay for all. the rest of that. The the ones that come. out. allin one to pay them off, you know. >> What's your rent? 800.

>> 800 a month. >> Utilities, >> it's included. >> Okay. Gas, drive. >> Yeah, it's about uh uh that one is about. 250 a month. >> Phone bill. >> Phone bill is $25 a month. >> That's pretty good. That's like doing. helium. The one we the one that we. support. So that's good. Okay. Car. insurance. >> Uh that one is I I just paid it. It is. 137 a month. Uh but I but and it's every. 6 months. >> 137 a month. Every six months. >> Yeah. I don't know. I don't know why but.

they they. >> Groceries $300. Use our cooking. book known as a cookbook. Budget. friendly cookbook. $100 for TP fun. Medical healthcare. I mean you're. probably dying. I get it through my job. >> Yeah, but co-pays or anything? >> Oh, yeah. Um, okay. I pay about $50 a. month in. >> co 50. You have any pets? Please. Thank. Thank. subscriptions. I'll give you 25. Figure. it out from there. I mean, yeah, you're. going to have room, but the fact is you.

just need to either let these things. that you cannot pay off go to default. and then just never go into debt again. and then live by the skin of your teeth. and pay off this the rest of this debt. cuz technically you'll have a $700 600. maybe 66 6 to 700. Okay, you need. $2,8191. to survive unless there's something I'm. missing. I don't think there is. 2,817. >> But if you bring in 3,500 if you set. aside some money for taxes, so 3,500 in.

net, you can knock out the rest of this. debt. But the fact is the rest of the. stuff, you're either going to have to. settle some and give some up or settle. some and be dramatically late on some. and then settle the rest the next month. What you might be able to do, you might. be able to settle over the course of. multiple months and just be late on some. or just do bankruptcy after you change. your behavior or do a consolidation, get. that payment on here and start and then. you only have maybe $200 left on a. monthly basis and you have to grind out. your debt. There is a way to do this. It's just change your behavior. No more.

fun. And honestly, I'd give up the. little side hustles. I'd do some. hobbies. Absolutely. Do some music. Um, you know, maybe to just keep up the. resume and skills a little bit. But you. got to pick up an evening job, make more. money, and pay off this debt. You can do. this. This is a cycle of you making a. choice at this point cuz the numbers. actually do work. >> Are are are you serious in regards to. the like doing the donations as often as. possible? Because that's something I've. thought about. >> If you don't care, then sure. >> Yeah. Okay, cool. >> If you do, if you don't like it, then I. don't want you to do it. But if you.

don't give a then sure, >> it's been considered. I just kind of I I. get so many judgy friends and family. whenever I talk about it. >> You're already doing it, so I don't see. what the difference is. Nah, >> I mean, don't do it or do it is kind of. what I'm thinking. >> Just make more low Ivaries all around. >> All right, Lindsay told me we have. something absolutely juicy in the post. show. I don't know what it is yet or. we're about to show you the teaser. So, make sure to join Hammer Lee and do. that, but let's get the Hammer financial. score. Spending in a budget, uh, 0 out. of 10. You over spent debt. This is like. some of the worst debt ever without.

collections and I'm sure you have. collections. Zero out of 10. Emergency. fund. There's nothing. 0 out of 10. Retirement. Surprise. 35. still behind. for retirement, but. I'll give you a solid 2 out of 10 for. that. Real estate zero out of 10. So, Hammer Financial Score, we're going to. round you up to a.5 out of 10. Join. Hammer Elite for the post show and get. three exclusive shows posted Monday. through Friday on the best YouTube. membership in the history of the. platform. Subscribe below or click that. join button. I'll see you on the post.

show. You owe money to your parents. I. mean, I was taking advantage of them. when I was a junkie. >> They enabled this [ __ ] How much do. you owe to your parents? You're breaking. history left and right. Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.