Pathetic Simp Drowning In Debt For Busty Latinas | Financial Audit

If you think about it, it's actually. kind of all your fault for the reason. I'm here. I was like in like Graham. Stephan. >> FaceTime Graham Stephan. No, no, it's. just your fault. >> Oh, it's just my fault. Sorry, Graham. Because I said it's just my fault. >> I am I was doing well when I was just. watching Graham. >> had all that money still and you didn't. blow it all on women, booze, you lost. out on $4 million. Black Friday starts now. Master your. money, my all-in-one personal finance. membership is finally live. It has every. single course I've ever made, exclusive. content, and a members-only community. Click the link below and become a member. of the best money membership on the.

planet. [music] I'll see you inside. My. name is Logan from San Antonio, Texas, and I'm 21, [music] and this is. Financial Audit. Yes, it is. This has been interesting. the few minutes I've been in the room. When I when I saw you from afar, Yeah. I. thought you were either a they/them. making me my coffee or just straight-up. les Oh, that yeah, that's incredible. He. has birthing hips for those who don't. know. Uh maybe you want to stand up and give. us a twirl? Uh happily. >> Perhaps?

I think I I don't have birthing hips. >> Oh, this is why I saw it afar because he. has so many things in his pocket. So, when I saw him across the studio, I was. like, "All right, we got a lesbian.". Yeah, I love a lesbian. >> I'm a big time woman lover, so I'll take. that. >> Yeah, unfortunately, I just have a. straight dude. Yeah, it's not as. interesting. >> No, it's not. >> Everyone likes a good lesbian mixed up. >> Yeah, we love the lesbians. >> We really do. >> So, Logan, thanks for coming up to. Austin. What do you do for a living in. San Antonio? So, in San Antonio, I work. at a data center and also work at a zoo.

part-time. Is it the zoo? Perhaps? >> San Antonio Zoo. >> Yeah, I would guess. Yeah. Uh what's. your position at the data center? >> Uh data center, I'm a critical. engineering tech. So, uh it's a multi-faceted role. >> And people hate you guys right now. They're wrong. Oh, they're wrong? Yes, they're wrong. Data centers, some big. upsetness. Now, people overestimate the. water thing, but they don't they don't. overestimate the energy use. They don't. at all. >> is an actual real thing, and it's making. energy more expensive. However, the.

water use, they have no idea what. they're they're talking People No, no, no, people don't know what they're. talking about with the energy either. They have no idea. >> Really? No, yeah. So, they with how much. we do, how much infrastructure is built. just because of us, like it's silly. Like the argument that we spend too much. on all this other stuff. And not to. mention the data centers. >> much. I don't care about what. private parties are choosing to spend. That that that that that's not the. issue, but you know, energy prices are. dramatically going up, and it is Maybe. correlation isn't causation, but it is. pretty aligned. But the water use thing, they have no idea what they're talking. about. Like 90% of water in California.

goes to almonds, so I don't want to hear. alfalfa and bull. >> It's [ __ ] water systems. Exactly. But either way, good, you probably make. a lot of money. I think it's a decent. amount. >> What do you make? So, at the data center. job, I bring in about 3,300 a check, so. 6,600 a month net. Yeah, in San Antonio, honestly, kind of cheap. Major city, what is it? Fourth or fifth most populated? I think. fifth in the country, maybe sixth. >> Something like that. It's like a mill. But Well, no, it's more than that, but.

yeah, it's cheap. Yeah, it's. >> stretch that pretty far. And then the. zoo, why are you doing zoo things? Uh. one I uh my dad sent. >> they don't put you in and then we just. observe a lesbian in her natural. habitat? Yes, I'm pretty sure. No, I. don't actually work at the zoo for zoo. purposes. I do injection molding. What? Injection molding, it's like. plastic. It fills into a mold. For what? For like toys and stuff. Oh, that's fun. So, the zebras can be all. zebratic and whatnot. >> Yeah, yeah. No, it's more like that.

Good. Yeah. Good, good, good. You're a. vocal fry champion, aren't you? How much do you make in that job? Uh I. make a band a month. Uh like That's a. thousand. You know the vibes. I already know. Uh-huh. Yeah. You know. the vibes. So, I get that as a stipend. >> If I've translated my. uh ethnic rap music. >> Ethnic rap music is crazy. It [laughter]. is. You like that? Yeah. Bam. BAM.

>> [laughter]. >> OH MY GOD. NO, BUT AND then that's my. stipend, and then I get 7 1/2% of gross. sales. Uh what does that average out on. a monthly basis? >> Uh so, I'm at annual. annually. So, I've only been doing it. like 3 months, so I don't know. >> Can we bring in Tyler real quick? Uh this is this is very important. This. is very important. >> Oh, man. Just just hold on. >> [laughter]. >> Oh, here he comes. You know, you love. him, especially if you're a Hammerle. member, one of our favorite producers.

Come on in, Tyler. Come on in, Tyler. Uh. I just I need. >> What's good? permission. >> [laughter]. >> Uh he said he makes a band uh from one. of his jobs, and I said, "Oh, I know. what that is through my trans. translating from ethnic rap music." Am I. excused in saying that? Yeah. Okay, perfect. Cuz [laughter] I I was. invited to the cookout, right? >> you were invited to the cookout, so you. could. >> Invited to the cookout is insane, bro. He had a doobie on his head. I had a. doobie on my head. It's true. I was. [laughter] like, he's he's invited to. the cookout. He's valid, bro.

You gave him a doobie, bro. That's. crazy. He gave him a doobie, bro. He. made Kool-Aid the right way, bro. Sugar, mix that [ __ ] Come on, bro. It's true. I I know what a band is. We're getting. him cultured, bro. We're getting him. cultured. All right, yeah. I got you, bro. I got you, bro. How's the week, dad? What's love? [clears throat] What's love? Hey, get Tyler. All I'm going to say is. the snap after the dap tells me all I. need to know, bro. Sorry for the detour. I just needed you to know you don't have. to cancel me for saying that. And now we're good, uncancelled once. again. Yeah. So, it looks like it's a. total uh Well, yeah, the the gross.

sales. The the percentage, like what is. averaging out? So, uh doing like I get. access to all the reports and. everything. So, I would say it's about. next year right now, 600 a month, but. I'll annual up at the end of the year. Huh? It's handed out at the end? So, it. stacks up all year? Yeah. Well, I can I. can pull some from earlier, but I'm just. not. Why? Uh I don't know. I haven't. thought to. Okay, so 8,200, right? Yeah, seems about. right. >> That's what hits your account on a. monthly basis if you would draw what you.

should? Uh well, I don't want to. withdraw from that, the 7 1/2%. >> Uh well, the guy, like the owner, he uses a lot. of that for like operation stuff. >> money. I mean, yeah, but I don't know. Pull it. I'm going to get it at the end. of the year. I'm just going to let you. know, Yeah. little spoiler, if you're on. the show, you're. You need the extra money. You don't get. approved to come on Financial Audit. unless you're. You need the extra money. Well, I can. [clears throat] make more extra money. from my main job than that. Well, okay,

either way, it's money you earned. Pull. it. Okay, okay, okay. I'll talk to him. to get it pulled. >> Talk to him. You don't have access? Well, no, the way it works is he has to. like fill this form thing. It's like a. whole process. >> Okay, good. And you'll do that on a. monthly basis. 8,200. >> Okay. Yeah? Yeah. So, it sound about. right to you? Yeah. If I look in here, will that look about right? Yep. >> Yeah, looks about right. And then you spent basically all of it, it seems. Okay. So, what's going on here? So, pretty.

much. >> [sighs and gasps]. >> if you think about it, it's actually. kind of all your fault for the reason. I'm here. Um Cuz I invited you? >> A lot of like my problems and debt and. stuff are all surrounded around this one. car. Did I sell you a car? You didn't sell me. this car, no. But it's a Jeep Compass. And see, as avid fan of the show, Why. did Jeep Cherokee? I know. And I. couldn't afford the Jeep Cherokee. So, I. got the Jeep Compass, and it has pretty.

much financially ruined me over the last. few years. >> How? What happened? Was it new? Was it. used? It was used. Okay, how used? Uh. 60,000 miles. Okay. Yeah, so. >> What was the condition? That's miles. What was the condition, big I got it I. got it in perfect condition, and I was. traveling a lot for my old job then. In. this perfect condition, did you get that. approved by multiple mechanics before. you purchased it independently? One. mechanic, but he's like. >> Okay. Uh well, [ __ ] you, dude. It cannot. be a personal attachment mechanic. It. never can be. You should never use a. mechanic you know. It just gets weird.

They I mean, it could be good for a. quick emergency, sure, but if you're. actually trying to get done, I I want to. go with someone who's out there. grinding. There's no personal impact. Yeah, so um So, you got a. I don't know cuz. >> Jeep that I've never had, that I never. said to get. What did you buy it for? >> Well, here's the thing. Here's the. thing. Like I, coming out of high. school, was like super into you, Graham, me, Kevin, all these guys. >> Me? Okay, high school was years ago. I. was literally just starting, by the way.

Yeah, yeah. And so, what I'm saying is. >> know lesbians are into me. I gotten the. Jeep Compass, and at the time, I was. like in like Graham Stephan Discords, talking to people about which would be a. good investment and stuff. And they said. Jeep Compass? Well, no, cuz I was. talking about like, "Oh, you know, Caleb. has a Jeep Cherokee. That makes more. sense." And so, uh I got the Jeep. Compass, and it was good for like maybe. 8 months, and then it's been a. FaceTime Graham Stephan. That's a subtle. flex. You don't think we're friends?

I don't know if he'll answer. It's early. his time. He's West Coast time. I'm actually such a big fan. This is. crazy. I don't know if he'll answer. Oh my goodness, he actually did. Hey, Graham. What's up? Oh my god. I have a. question real quick, and I I did assume. that. I am talking to uh we're calling. him Logan. >> Hi, Graham. I'm a huge fan. >> What's up? What's up, man? Uh uh do you. have 30 seconds real quick? Yeah, I could be I haven't had my. coffee, so sure. Well, you know, Logan.

is on the show, and he blames all his. financial mistakes on buying a Jeep. Compass, of which apparently. uh Caleb Hammer, Graham Stephan, and who. else did you say? Like Andre Jik, like. who else did Me, Kevin. Meet Kevin? Okay. Meet Kevin. Come on. How do we. even know him? But he says we. recommended to buy a Jeep Compass. I. don't remember ever recommending this. Did you? No. When did I recommend a Jeep Compass?

>> didn't recommend a Jeep Compass. I was. in your Discord whenever I was buying it. and I was messaging the guys on there. and they're like, "Yeah, seems like a. good idea.". >> [laughter]. >> Big difference between me No, yeah, yeah. Here's the big difference. What are you talking about, Logan? No, no, no. I I was just taking the seal of. approval from the gurus of the field. If the internet says it's a good idea, probably is. >> [laughter]. >> Exactly, bro. As an iPad kid, you know,

I got to take that. Okay. Well, thank. you, sir. >> You could have done worse. You could. have done worse. Jeeps No, dude, it's a. nightmare. There is no worse. There is. no worse. That's where you're wrong. It. It's It's awful, dude. It's so bad. I've. put like 7K into it and just repairs. Not to mention I still owe 13 on it and. it's just bad after bad after bad after. bad. >> That's not Graham's fault. That's not my. fault. And I can't speak for Meet Kevin. I've never talked to him. >> No, no, it's just your fault. Oh, it's. just my fault. Sorry, Graham. Because. this is just my fault. >> I'm not holding Graham accountable. Graham I am. I was doing well when I was.

just watching Graham. Then you came out. >> [laughter]. >> I Dude, I'm just saying when I was just. watching Graham, I had the 10K, I had my. Fidelity set up, you know, I was doing. well off you, Graham. And then the Chase. Rewards, I got hella money off of that, bro. All thanks for you. But then I got. involved. Yep. And then Caleb got. involved. You had to pay for it, Caleb. Now it's your responsibility. >> Yeah, so I think Caleb should owe me the. 13 for the Jeep, the eight for the. damages, Pain and suffering, that's. going to be at least another 25. Let's. call it an even 50. Even 50. You still. owe me 50. Oh, and insurance.

That was You know, my insurance was 20 a. month. Yes. [laughter]. Graham, thank you, bro. He I think he. owes me 50. We'll call it 50, right? >> [laughter]. >> Round it up. Thank you, Graham. Go enjoy your coffee. now, Graham. >> You're welcome. >> Graham, you're the goat. >> All right, good on it. I'll see you. Bye. Do you feel bad? NO. >> [laughter]. >> EXPLAIN to me how this was my fault, please, cuz I haven't heard that yet. >> do you not understand? >> Well, you got a Jeep Compass. And why. why was that my fault? What did. Financial Audit recommend uh the Jeep. Compass? I mean, I said, "Yes, go get it.

approved by Okay, what did you buy it. for?" Let's get some more details. Okay. So, I Originally it was listed for 25, I. got it for 21. And then. um. I paid it down to 13 now, but I had to. drive it a lot all across America. So, it put a lot of miles on it. >> fault. Yeah. How many miles did you put. on it? Did Caleb Hammer call you and. say, "Go put a ton of miles on a car?". >> miles on it. >> I mean, I drove my Jeep Cherokee from. Austin to Michigan and back many times. And I I drove I drove to Michigan as. well. I had a couple Well, that's weird.

I had a couple issues and that's that my. battery died just like a couple times. throughout the years, but that's like a. couple hundred dollar fix. >> of my worries. The battery, the. overheating problems, the radiator, the. coolant lines, everything. I replaced. every hose, every I replaced the whole. engine in it. It was a nightmare. Why. would you do that? Was that even worth. it? Like I would Would I necessarily. recommend replacing an entire engine? Well, so the reason it made sense to. replace the entire engine was um at the. time I had blown a head gasket and I had. a warped head. And so uh it was cheaper.

to buy a new engine for me than it was. to get that repair. And I actually got an engine with uh. lower miles on it and such. And I had that inspected by a uh another. mechanic as well. >> confusion still is exactly the point of. why it was my fault. Well, if you think about it, you're. advising people on the internet about. money and then you go on here and you. know, you advertise this lifestyle of. financial responsibility. Yeah. [laughter] Oh, no. >> I'm just imitating. It's evil. But what exactly was my fault,

specifically? I would say that, you. know, advocating for a certain type of. vehicle that is reliable and getting it, you know, checked out by a actual. mechanic and all these sort of things. It's exactly what I followed and I got. screwed on it. What did you buy it for? 21. I mean, listen, I'm okay with like a. $10,000 beater to get from point A point. B uh oftentimes, but just like in. personal finance, one, it's all. personal. There's no one size fits all. If you're a national traveler in every. way whatsoever for a job, am I. necessarily recommending a $10,000 car?

No. 21, sure, probably. I don't know if. you got a good deal specifically. If. it's in a price range for I don't know. what your income was. Like that's. something we could do and you took it to. a mechanic, you did well there. But you. put a lot of miles on it. Who knows if. it was worth 21, though? Was it worth. 21? >> say it was worth 21, yeah, at the time. It's just. all the things that ended up going wrong. with it later on and uh Yeah, how long. did you have it before things started. going wrong? I would say about 6 months. and then uh I remember I was in Oklahoma.

for some work thing. And then um. it's just time and time again the AC. went out and it started overheating and. all these other issues. It was an absolute nightmare to deal. with and constantly breaking down, $300. tow. >> Sounds like you got a $21,000 car and. got unlucky. Yeah. It's a real. nightmare. >> think the alternative to that is. spending a $50,000 car you can't afford? No. Then what the [ __ ] are you saying? I'm saying just go ahead and slide me. the 50. We'll call it even. Oh, shut up. No, now I actually have a truck as well. >> Well, see, so I don't give a [ __ ] And. why do you have a truck for this?

You don't do truck stuff. >> Uh sometimes I have to do stuff. You. don't do truck stuff. It's a Ford. Ranger. It has a tonneau cover, so it's. good gas mileage. But I do have to haul some things. I feel like a lot of my issues aren't. actually with financial literacy and. with um. like the online sort of like courses and. all these other things that are. available online. I feel like a lot of. my issues have just been with the. personal responsibility cuz I've been. very responsible and financially. literate with my money in the beginning.

and it ended up turning into a lot of. just burying my head in sand and. mistakes that were mostly surrounded. around like. not paying attention to money. So, I. don't think financial literacy is really. the problem. Okay. How much debt do you have today? Um in. total, 60. Six I'm basically 64. So, thir- You're. off by four, which is a substantial. number. 4,000 is not insignificant. That's a little bit of financial. illiteracy there if we don't know how. much debt we have. I mean, you were.

close. I'll give you credit for that, but How are you so today? No, not Caleb. Hammer. A lot Like I said, a lot of my. mistakes they did start with the Jeep, to be frank. Um. the Jeep started the lot of it. >> when did the Jeep start? 2 years ago. Okay, when did it end? It's still in. It's still in my [ __ ] uh parking lot. >> but it's not your main thing. It's not. your You're not putting money into it. cuz you don't need to cuz you're driving. another car now, your truck. Mhm. So, when did the Jeep end? Well, the repairs are still ongoing. >> The truck came almost a year ago. It was.

like 10 months. >> for the last year you didn't need. require to put money into the Jeep. >> Yeah, but I need to sell it. I agree, but it wasn't like a requirement for. life and living. >> But I need to have transportation that's. reliable. >> have that. You have the truck. >> Yeah. So, what are you talking about? That doesn't mean we're putting money. into the Jeep this last year. That's. 100% necessity for life. >> for the last year trying to get it up to. And what the [ __ ] are you talking about? Well, I know that, but you don't have. to. But I need to be able to. get rid of it. I got to repair. >> I agree, but how much money is worth. actually putting into it versus just.

letting it go? Are you What's your credit score? Well, I don't know. What's your credit score? My credit score. >> [sighs and gasps]. >> I'd have to look it up on Experian. It's. like 660 or something like that. >> Okay, I don't necessarily want a. voluntary repo necessarily. We could pay. it off. I mean, you make good money. You. could tackle I'm I'm guessing that's the. 13K. Yeah. You can tackle that. That's. well within your ability to tackle, big. guy. Even if you sold it now for a few. thousand, it wasn't absolutely great. You're at least not putting more money. into it when you could be putting more. money towards the debt. >> And see, I tried.

I tried to do that. I um. I. >> Where did all the money go that you made. senior year of high school? Because. again, it was only 3 years ago. You're. young. So, I'm not going to lie. I was a little bit of a bender. Okay? I'll be for real. What, you went full. alcoholism before 21? Uh no, that was. Yeah, I guess so, yeah. Traveling, women, food uh. >> Women? Yeah, I do women on the side. You're good. Good. I'm proud of you, but. >> Women are my Women are my demise, bro. >> Me, too. [laughter].

Me, too. So much stupid purchases, so. much stupid money. >> I agree. Why do you think I get canceled. once a month? Hell, yeah, bro. It's an. addiction. >> Latina baddies are my addiction. It's. like I'm addicted to the [ __ ] I don't. know. I can't explain it to you, bro. You're addicted to [ __ ] punching you. in the face? Well. Yeah, okay. God damn it. >> Yeah. Okay, fair enough. But no, yeah. With a lot of these like the the debt. that got racked up, it's all within like. a 8-month span. Racked up debt for. racks? What are you paying to come? No, no, no, no, no. You look like a dude.

that paid to come. >> What the [ __ ] No, bro. I just I liked. when I would have a girlfriend and then. I would just spoil the [ __ ] out of them. Why? Sugar daddy? No, not sugar daddy. >> you spending on You made like $120,000, it sounds like, like before graduation. I made more in my last job, actually. >> No, before graduation. Oh, yeah, yeah. >> were you spending on what for these. women? >> I don't know. Airbnbs or hotels or. flying to places, food, bougie dates. Okay, and how much did you spend on. this? What, so you could get your dick. sucked? No, you get that anyways. Um But.

what day of state? >> I don't know. I I take care of my own. That's all it is. I you know. Uh it's nice to be able to give them. stuff and do things with them and I. mean, going into debt to be a simp is a. bit It's a little pathetic. Well, a lot. of the the debt actually would come I. would make the the bad financial. decisions. >> I'm being told in month I would be like, "Oh, [ __ ] I don't have enough for XYZ.". I'm being told you moved to San Antonio, took a job pay cut and you immediately. because you matched with a woman. Oh, no, bro. This is what I'm saying.

This is what a simp. Okay, so No, no, no, no. There's more to. this. There's more to this. There's more. to this. So, that chick didn't actually. cost me much money. She cost me She had. an OF. She did. That was bad, bro. She. was freak. But no, I um. I I. >> way? In what way? Bro, she did the. degenerate [ __ ] So, like with me, she. was pretty normal. That could be great. remember I came home one day and she was. like she was at my place and I was like, "What are you doing?" She was like, "I. mean you got to go to the the animal. store." And I was like, "The.

And she was like, "For my only. I was taken aback. She had to go buy. crickets to squish between her toes. to film for a request. >> [snorts]. >> Oh, that's not degenerate. That's tough. That's what I'm saying, bro. >> Okay, cuz I like to degenerate. I I can. get behind some degenerates, don't get. me wrong. But that [ __ ] was [ __ ]. weird, bro. She was on some. And you took a pay cut on all this just. to be with your only princess. I took. the pay cut because I was doing the big.

box contracts, right? But robotics has. always been my passion. And so. I wanted to go into the field of. robotics. And so I just applied to. hundreds and hundreds of jobs and then I. got in contact with this one owner of. like a local automation company and they. were like, "Hey, you seem cool. You want. to come do work for us?" And I was like, "Bet." And I got. the money I was making all the way down. to $21 an hour. Yeah, I mean that kind. of makes sense especially if you're. continuing to simp. Let's see her. Huh? Let's see her. Oh, I don't have the.

chick. You don't know her Instagram. I'm. blocked on there. I'm not. I mean I can. try to find it. Try to find it. I'm. blocked on there. I don't know her. exactly. >> know her name. >> Yeah, I know her name. >> And I'm being told you spent $17,000. in just 2 months on women, Airbnbs, and. all this stuff. But all [ __ ] I. couldn't have scrolled to the bottom. You don't know? That was like a year and. a half I think almost 2 years ago now. Yeah, go ahead. $17,000. Look, private. student loans can make you feel like. you're one mispayment away from selling.

your grandma's heirlooms. We miss you, grandma. WhyRefi says chill. out. No more sacrificing the family. jewels. They don't reduce you to a. credit number. They actually want to see. if you actually plan on paying them. And. by the way, they're providing interest. rates under 6% which is practically a. unicorn in the student loan jungle. I. mean some lenders want to charge so much. that you'd swear they're putting your. firstborn on layaway. Tired of monthly. payments so high you can't afford a. single sweet treat? WhyRefi has got you. They'll rearrange your payment plan,

ease the monthly hit, and even let your. poor cosigner off the hook. Mom or dad. can finally breathe. Oh, and if you. think you'll just get stuck in a call. center, guess what? 4.6 stars on Google. says WhyRefi actually picks up and. treats you like a real human. Shocker, right? And finance that's about as rare. as me not slamming the desk every single. episode. So, if you're done fantasizing about. robbing a bank, don't do that by the. way, check out WhyRefi. They're here to. help you actually crush these loans. without selling your kidneys on the. black market. Head to yrefi.com/hammer.

That is yrefi.com/hammer or call. 888-973-3978. That is 888-973-3978. and see how a real personal approach can. help you escape the private loan. nightmare because let's be honest, living with crippling debt until you're. 90 is not the retirement plan you. dreamed of. Want to know a dirty [music]. little secret? And no, I'm not starting. an only. You're not broke because you suck with. money. You just can't see where it's. going. If your bank account is empty at. the end of every month, that is not bad. luck. That is bad tracking. And it's.

exactly why I use Dollarwise. It shows. you exactly where [music] your money's. going every single month. Spending, subscriptions, and savings all in one. simple dashboard. Everything you need. and nothing you don't. And when you. download Dollarwise today, you'll get 60. days to try for free plus 3 months for. just $9.99. So you can finally take. control and see what your money's been. doing behind your back. Click below to. get started. But no, the $17,000 in 2. months, that actually had nothing to do. with women. I was single then. That was actually uh dude, I was um I.

remember those 2 months. I was traveling. around back and forth from here to. Chicago and then I had to stay in. Chicago for. several of those weeks and I was with my. boys and we just went ham. We were. working nights and so on our days off we. were just out and about. I was buying a. bunch of stupid I bought the Meta. Glasses when those first came out. Uh. you know, new phone, new iPad, this that. and the other. It was just a bunch of. tech stuff mostly and then um a lot of.

booze. Stupid amounts. >> that's why you are where you are today. cuz if you had all that money still and. you didn't blow it all on women, booze, tax, friends. >> didn't start until I got the Jeep. >> the debt wouldn't have been there. If. you didn't blow all that money, you. would have bought the Jeep in cash. You. would have done the repairs in cash. You. would have cut your losses, got a. different car in cash. If you didn't. blow all your money, this wouldn't be a. problem. You were 18, you made a lot of. money, you considered yourself. financially sound. I mean you told me. you were watching Graham and. >> Yeah, I was doing well. others and.

whatnot back then. So then I guess me. even though we barely just started. However, even still, if you did. you didn't follow what anyone would have. said. You could have set yourself up for. an incredible success. How much did you. have in savings at your height? Uh it. was this all. So it was a little over. 10k, it was like almost 11. And then in. Fidelity it was. >> That doesn't make any sense. And then. 3,000? Yeah, and then in Robinhood it. was like another band and then. Uh I kept a lot of money in PayPal for. some weird reason but. >> How much? Like another band or two.

This doesn't make sense. What are we. What does that get us to? Like 5, 7? I. don't I don't even know at this point. >> 15, 16k. That math doesn't add up but either way, you made it sound like you made like. $140,000. or so junior senior year combined. >> No, it wasn't $140,000. It was like 120. 120? How do we only have 20 15 to show? Call it 100,000 because you were like. low low low low low low low low at 10%. growth, not putting anything in.

not putting anything in at all at all? Yeah, and just letting that 100 set for. 41 years to 65. >> hold your whole income. What do you. mean? You had no overhead. You were in. high school. You had low overhead. Very. low. Very fine. Call it 80. You were cuz. you could have set aside the vast. majority of the income. Vast majority in. your situation. You lost out on $4. million. $4 million. and now it's not only that but you're.

negative 65. Yeah. From having $4. million you could have had. And by the. way probably closer to 20 if you kept. contributing throughout. You know, 20. $20 million to now a negative net worth. of 65. And yet you were watching all the. financial channels of which who no one. recommends. People follow those. channels, they turn their lives around, they get massive investments, they get. good credit cards, they live good lives. >> Yeah. And then you show up at 21 negative. $65,000 and nothing to show for it than.

potential STDs. I had no STDs. I got. checked. Well, that means you didn't. live enough. Honestly, I got burnt out. to be frank. Like I was just tired. >> of your dick was burning. Which one? >> The tip of my dick has never burned. I. never got STDs. Then you never lived. >> up. But um no, I was burnt out from all the work of. everything. I I'd been since I was 16. working, you know, 60 to 80 hours a week. and I I mean I still am. I mean you. crashed out with your family apparently. I mean just I don't think you're living. your life like crazy. Crashing out with. her family, >> There's been so many.

events and all this crazy. blowing all your money. There's so many. situations throughout this entire. process that at the time just Why'd you. crash out with your family? I'm learning. you. I need to learn everything about. you. >> So my family and I we've never been. close. They're not like I wouldn't even. call them family. They're just people I. grew up with. What? Like it's not like. that. Like. I got two of my close friends, they're. my family. Well, they ask you for money. all the time even though you're negative. 65 I'm being told. Oh yeah, no. Luckily. that's mostly stopped. They've. They have borrowed a lot.

>> poor even though you make money. Yeah. They. um. >> All for the vagina. Wasn't all for the vagina. Maybe like. 60%. Vagina, booze, traveling. Come on. >> Power of the [ __ ] man. Yeah, but uh. no, with the family thing. >> I don't spend money on for that. I never. had to like work. I didn't I mean you. don't have to. >> a lot of sex. Yeah. That's a weird statement but okay. No, no, no. >> [laughter]. >> No, we're we're goon brothers. We're. goon brothers? We're goon brothers. I've.

had a lot of sex. I've never had to like. not to do anything. >> But when you have a girl. >> But I get them a McFlurry. When when you. have a girl and they make comparatively. to you almost nothing, you don't want to. put them in like the same lifestyle you. have? Um in marriage, an engagement, or. really far into the relationship. Not on. chick who's she's. >> like I said, that one I didn't I That. was a 6-month thing. It was on and off. That one wasn't as serious as my most. recent one. So what's your current. living situation then? What do we What.

do we live in? If you're just breaking. up with everyone endlessly, we living. alone finally. So yeah, I live alone. I. have an apartment in San Antonio. It's. two bedroom. One of the bedrooms are my. lab. And when was your last breakup? 2. months ago. Did that push you to this. apartment? No, so I actually I the one. before this was a lot cheaper and I was. going to stay in there but with her we. she ended up moving in with me pretty. early on. But you just broke up. Yeah, we just broke up. That was like a year. and a half ago. Let's see her. Okay. Let's see what he pulls. >> of her. Let's see what he pulls. I don't. like when If if what I said I had a lot.

of sex sounds weird, I have pictures of. her also sounds very weird. >> I I don't like that. What the [ __ ] No, it was just recent. I haven't deleted. them. But I don't pull. Let's make that. very clear. I have no game. He's really. bringing the expectations down. Yes, sir. Well, she's cute but give me. more pictures. Okay. We can look at. Instagram or something. Like that's just. But I find like, you know, just like the. morning messy look cute. So like almost. anyone would look cute in that. Um. A lot of my pictures of her are like. that. Just bring up her Instagram.

Creepy taking pictures in the morning. >> You're blocked? Why do you always have. bad breakups? I've never been blocked by. I've been blocked by one ex. That's the. only one I ever dated. She's cute. What. are you talking about? >> Be careful going through my photos. You. might see some [ __ ] you don't want to. What would you have? There's no dickies. You sit You you saving dickies? >> No, I don't save dickies. What. You might forget to or I don't know. There's weird [ __ ] in there. What would. be weird Well, now I want to look. >> No, what the [ __ ] Don't do that. You're going to see some weird [ __ ] and.

you're. >> What's weird to you? Tell me what weird. is before I stumble upon something. >> I don't know. You might see some. personal [ __ ] I don't know. Some [ __ ]. I don't know. Me and her or. I don't know. >> I don't know what I'm looking at. They're wires. Okay, here she is again. No, she's cute. You pull okay? I don't. pull. >> You pull okay? >> They come to me and I don't know how it. happens. It just does. I have no game. I will admit that. openly. Zero game. You know how I got her?

>> [snorts]. [laughter]. >> What the [ __ ] is that? That's my [ __ ] yeah. >> This is actually I would say one of the. most boring camera rolls I've ever gone. through. Hell, it's not boring. Those texts are. exciting. You know how much China would. pay for this [ __ ]. >> Just cats. You're looking. >> are adorable. >> They are adorable, but it's not weird. I. was hoping to see like a line of her. No, I don't I don't [ __ ] That's. actually a talking point of why we broke. up. >> No, she's cute. Oh, tell me. >> So, she had a problem with and I told. her I've had a lot of.

I lost my friend to it. My mom was. going on to it. >> He's not dead. He went schizophrenic and. now he's homeless and just on the. streets. >> Jeez, and you think that was cuz of I. know it was cuz he lived with me and I. watched it happen. >> [clears throat]. >> It does lead to higher chances if you're. doing those kind of drugs when you're. young. >> her and dude, it's it's so bad. I told. her when we got together. I said, "You. can't be with me and do. and there was like constant Every time. she would go home, she would end up. doing it. It would cause issues. She. would do something. >> Every time you guys went home, she was. snorting?

>> She went to her hometown. And what with her family? She was like, "Let me get some. With her ratchet ass friends that are. over there and I would always. >> Why would you stay with a [ __ ] I Well, that's the thing. >> Just flat out, why would you? >> So, she kept She would go like three, four months without doing it. She would. go back home with her ratchet ass. friends and she would say, "We're not. going to do it." And then she'd end up. doing it. But the reason we broke up was. cuz of alcoholism. She would like be get. super drunk and go on these like four to. five-hour tirades of just like talking. [ __ ] throwing [ __ ] breaking [ __ ] She.

keyed my Jeep, poured water in my bed, smashed my alarm. >> Yeah, bro. And you know what? That. confirms you broke up with her. Yes. Good, cuz she sounds like a crazy You. know why she keyed my Jeep? Why she key. your Jeep? >> So, we went out to get some food and I. was closing out with the barkeep, you. know, getting a couple beers. I tipped. $4 on a $21 bill. And she said that I was showing the. chick bartender special treatment and. that's what led to. >> $4 is special treatment? >> That's what the [ __ ] I said, bro. >> was she spending on.

I That's what I want to know cuz also. she barely [ __ ] works. So, that was. all my money. Boring camera roll. Okay, well, I'm wrapping it up cuz I've I've. scrolled forever. I ain't get to see. There wasn't one weird thing. See a line. of thing I'm Like that would have been. incredible. what do you think your. financial score is zero to 10? Zero. being the absolute worst, 10 being the. absolute best. I'm going to go with a. two. Okay. >> Just because I have some in 401k and I. have a decent income. >> Income doesn't really. You can be making a low income and still. be in a good financial place. It's what. you You can be You can make millions of.

dollars a year and be absolutely beyond. Well, if income doesn't count, then I'd. say one. Okay, if you want your hammer. financial score, see where you stand in. the world of finances at. calebhammer.com. Take the assessment. It. is free and you will see where you need. to improve, where you're doing well. So, take it. Why not? And if you don't want. to be like a guest who ends up on the. show, make sure you download the Dollar. Wise Budgeting app, my preferred. budgeting app. It is great. Tens of. thousands of people have changed their. lives with it. You can take a free trial. and if you like it, sign up for the. annual version to save a lot of money. And when you do, only for about a month. or two left, I will sign my.

budget-friendly cookbook, mailed. directly to you and then it's going to. go away forever. You giggling? Yeah, you. keep giggling at. >> Your Your cookbook, bro. It's funny. Why? You look so cute. >> What? Oh, this is this is the big car. Dun dun dun. Yeah, that's the Jeep. Um. It. >> the one you blame me for. Yeah, it's. entirely your fault. >> And none of your own actual. decisions. I'm just saying, you know, >> to put a bunch of money into it before. you got your truck.

Yeah, I wanted to. I put in almost $8,000. >> That was your choice. Yeah, fixing it. and trying to get it right. And then I I. was going to sell it and get a lot of. money this year. >> Yeah. >> Cuz you're still putting more money into. it to bring it to a place where you can. sell it instead of just Okay, cut our. losses and let's just focus on paying on. the debt. Yeah. >> Like how much For every dollar you put. in, how much how many dollars are going. towards the actual sales price, right? Well, I looked it up online and as it is. now, I have a couple more things to do. I have to fix the key from the uh.

Latina, but um. I think I can get like. >> keying cars. I don't know why, bro. I'm. like I'm glad she didn't do it to the. truck. I I was like, "Okay, you didn't. do it to the truck." But yeah, >> They're taking advantage of the flexible. motion that they have before they hit 25. and. >> God dammit. Oh. >> [laughter]. >> Third in the Toyota. I've been to San Antonio. >> [laughter]. >> No, definitely. Yeah, she was hardcore. with it and the worst part was I had to.

wake up for work the next day and she. was yelling at me until like 2:00, 3:00. in the morning. And that's whenever she poured water all. over the bed so I couldn't go to sleep. and she Why were you with this woman? I've never been with someone that has. done 1% of these things. >> then she she punched me in the head. twice. Um. Yeah, she threw all my [ __ ] broke it, smashed my alarm clock. >> Um I can't You can't. She. I don't know what to do. Hm? >> She blocked me on there. Like she's the. one to talk to me. >> I have a phone. She doesn't want to talk. to me, bro. >> She won't? I will.

Bro. That'll be fun. Stay tuned for that. >> it clear. I don't know. I don't even. want to put that anymore. I'm just kind. of tired of that of women in general. I'm good on them, you know? >> You're going men? You know, I was. actually joking with in the Whenever we. were in the green room, I was like, "It'd be so much easier if I was gay.". One of my like day one. >> to very gay Colton. >> Yeah, one of my one of my day one. homies, my gomey if you will. >> [laughter]. >> Um he's married now and I was talking to. him and I was like, "Damn, bro. I wish I. could switch teams. It'd be so much.

easier." Dude, stick it in a dude. I. don't know. Why not? >> good on that, but unfortunately. >> I'm sorry. >> That's right. I'm sorry. It's just I. hate y'all so much. >> What's the interest rate on this card? Uh on that one, it's going to be 8%. That was also not my fault, nor did I. ever say to go get an 8% loan. >> 18 I forgot what it. >> You got this a couple years ago. >> Yeah, yeah. I I don't I don't know. That. was the lowest interest rate I could. get. >> is what you would have gotten. Yeah, but. that I I was only. on my income. I was I never had uh my.

parents' car insurance or anything for. history and so I don't know. Parents for. history? Uh like um most people are on. their parents' car insurance when. they're like 16 to 18. Why weren't you. They have a history. Well, I'm not cool. with them. Why aren't you cool with. them? It's a lot, bro. Okay, so my mom. took us everywhere growing up, you know, place to place to place. We moved every. like eight to eight months to a year. And we were never ever stable anywhere. And so all everything I have done and. everything I've built has all been with.

just me. So, she was always kind of just. like a place I stayed sometimes. And it's such a weird dynamics with. everyone. Is it not an odd thing that. every single person you've had an. interaction with in like a more close. relationship, family and girlfriends, everything ends up in crash out blocks? Yeah, it sucks pretty hard. Except my. day one homies. Those guys are ride or. die. Uh-huh, for now. You're 21. Yeah, well, I've known them since sixth grade. They're cool. >> You're 21 for now. Yeah, I don't know. Trust me, life comes. I. mean, I rock solo down here. They're all.

far away. Exactly. >> solo here in San Antonio and I got to. say like I'm in my best when I'm alone. Like um ever since the breakup, I've. been doing a lot better. >> You owe $13,730.15. on this. 8% interest rate. $336.36. monthly payment. Mhm. It ain't cheap. >> No, it's not. >> But for your income, that's certainly. okay, but it's just sitting there doing. nothing. Yeah. So, you looked at Okay, if I do this, if I do this, I can sell. What's the number you're seeing? So, I. think I can get about 8K for it once I.

finish the. >> 8K after you already put in eight? Yeah, and then I can't get a loan for the. difference. >> again, if you listen to the show, if you. listen to any of the other people, you. would have known that okay, maybe if you. owe $13,000 on this and it cost eight to. sell for eight Well, that's like a year. ago. Like. >> Cuz you got the truck already anyway. >> Mhm. How much more do you have to put. into it to bring it into the bring it up. to that? To bring it to where I can sell. it To eight, yeah. Okay, so it's. >> How much more money? Oh, it's going to.

be about 500 bucks. Okay. 300 for the. paint and then 200 Two hundred and get. rid of it. Yeah, that's my current plan. I've been trying for a while, but I'm. just now finally. about to. I just got to pay it down some. more before I can sell it. $600. Okay, so this is your Ford Yeah, that's the. truck. And this is much more expensive. Yeah, it is and I got to be honest, this. was a little bit or a lot of bit of a. what I want purchase. I've always wanted. a Ford Ranger. Um Why? >> See, you might be big and [ __ ] but you. ain't no [ __ ] Ford [ __ ] Ranger.

Well, when I was a kid, I grew up in. East Texas and so, you know, it's like. everyone has trucks. And I just really. like the Ford Rangers. They're sick. It's like a tiny truck. You get good gas mileage, but all the. benefits of a truck. >> Okay, well, you owe $33,723. on it. What do you think it's worth? I I. think it's worth I looked it up on um. Kelly Blue Book. I think it's worth. about 28. >> What? What are you getting? What did we. do? We have $16,188. >> Oh, um y'all probably don't have all the. packages, right? Um. >> Okay, so 20?

20? Is that what you said you saw? No, 28. >> 28? Really? Are you sure? Yeah, because. it's the Ford XLT. >> brought it up that much? Over like. 12,000? >> It's the XLT with a tunnel cover with a. No, interest. >> You wouldn't have it. >> Oh. We did his VIN, right? Oh, he didn't send the VIN. We always. get. >> Oh, that's my fault. Um but yeah, I. looked it up and it got about 28, but. this I want to keep. And it. >> That's fine. I mean, with your income. situation, if it was just this, we can. deal with it. But you got the old Jeep. that you put more money into than you'll.

ever get back. And we have credit cards. galore that we're about to go into. >> Well, the credit cards. >> So, if it was just this, I would agree. For your income, it's fine. Yeah, I like. The reason I'm not worried about the. truck is I'm going to get rid of the. Jeep pretty soon. I just got to pay. down. And then the credit cards are what. my main focus is right now. So, the plan. is credit cards, Jeep, and then you. might. >> Yeah, you spend everything you made. Well, Basically, the dollar you didn't. necessarily overspend, but you didn't. underspend either. So, what's the. interest rate on this? Uh that one I.

refinanced to 9%. It was at 13. It's the best I can do. >> debt-to-income Well, your debt-to-income. is not maybe the most horrendous in the. world. It's probably not great, but the. thing is you do have bad debt and a lot. of it. >> And it was worth. >> young credit because you have so many. cards you've opened. >> You'll see. It was a My credit was. >> No, it's insane. My My total credit like. years ago was a lot. worse. >> right now. >> I don't know a 21-year-old who can get. 6% 21-year-old, you're right, that is. hard, but you're making it even harder. by opening all these accounts, making.

your credit age so low. >> It was like an extra 5K. >> debt. Yeah. Uh I It was a lot worse. Uh. I paid it down and so I might be able to. refinance again here soon. We'll see. >> 9% I'd wait I'd wait wait for rates a. little more. >> Yeah, so I was really happy to refinance. though. Um I did keep the payment the. same. Uh you can probably tell. Um but at 9% it took off a lot of time. So, I was really happy with that. >> Yeah, yeah, it's a $630.34. >> Mhm. >> It's not too bad, honestly. The The. insurance is a little high.

Uh it's 330, which is probably pretty. average for my age group. The Jeep. insurance was $480 at one point though. And that was monstrous. That sucked. It. was more than the payment. >> Yeah, and the minimum monthly payment's. chunky too cuz when we add these both. together, we're talking we're at like a. thousand bucks a month. >> And then the insurance is 300. Now, luckily you're bringing in 82 cuz you. need to bring in all your income. Yeah. You really do. And luckily the income. too is. uh. it's one of those things I'm able to. control a lot. So, like if I'm low one.

month, I can work more and make more. money. Why aren't you always making more. money? I am. Pay off your debt close to. What? No, you just said you can make. more. Yeah, I mean, I have down months. I have down months where I'm like. >> Wait, why is it down? Well, like that. month for example, I was going through a. breakup. >> make more, why? I am. What do you mean? >> is there a down month then? Well, I was. depressed after the breakup. Oh dude, just literally download Grindr and stick. it in a hole. You'll be so happy. >> Dude, no. Okay, hold on. I have Tinder. is cursed. Okay, I'm going to tell you. that right now. That [ __ ] is cursed. That's what led to that chick. And oh.

man. >> Dude, no. Swipe on Tinder, stick it in, have yourself a couple rebounds, get. back out there. >> bro. >> know. I'm not saying go out there and. date. I'm saying go out there and. See, that's how you actually get an STD. That's nice. Put a condom on or people. that you trust. >> I'm supposed to trust someone you meet. on Tinder? Huh? That's crazy. >> that relationship, then take it off. >> Yeah, I guess so. But um I don't know. I'm just off women right now. >> That Like I said, download Grindr, but. that's even quicker way to get an STD. >> [laughter]. >> Better than sniffies. Yeah.

You know sniff? Huh? You know the sniff? I thought you were talking about. Um. >> [laughter]. >> Uh no, but Grindr and goes very well. together. Oh, wow. That's a statement. What's this? Oof. The. uh AT&T uh phone. Yeah, so that one. >> What? Okay, so this credit card. >> phone? You have a credit card Okay, let. me explain. >> What? Back up. So, I got this card when. I was with AT&T, right? And they were. doing a promo, "Hey, pay your bill. through this credit card and you'll get.

$20 a month off your bill." Tight. And. so I got that and then what ended up. happening is the Jeep repair came up. And that is the card that I actually put. the engine on. And that's where a majority of that. comes from. And then um. Yeah, it's been really weird. I switched. to T-Mobile and there's more. complications with that that we can talk. about. >> Bring it up on your phone. >> Bring what up? This. Cuz you didn't send. a statement, you sent a screenshot. >> Oh, my fault. >> So, someone who watches finance. YouTubers doesn't know how to Well, there I don't think there was No, I. don't think there was anything on there, that's why. Here you go. No, you can.

download statements. There's monthly. statements, big guy. There are monthly. statements. >> Yeah. But I'm not with AT&T anymore. I. switched to T-Mobile. That's exciting. Yeah, but um it is actually. >> has not really changed. Haven't really. done any much even though you said this. is your focus. >> Well, I'm I'm doing the snowball. Here's. what no one warns you about. The end of. the year is basically a health battle. You've got airports, delays, holiday. chaos, sugar comas, and a sleep schedule. that looks like a stock market crash. But that is why I start my mornings with.

AG1. One scoop a day and I'm covering. foundational nutrition that actually. supports me through this mess. When I am. dragging through the crowded airports or. getting tossed in the holiday travel. hell, the antioxidants, probiotics, and. even functional mushrooms in AG1 help. support my body's natural defenses. Dark. at 5:00 p.m.? Superfoods like B vitamins. keep my energy steady without making me. crash like 2:00 p.m. coffee does. Holiday meals means getting lost in. sweets and snacking. AG1 fills the gaps.

with a full spectrum of micronutrients. from whole foods. And when stress wrecks. my habits, AG1's got prebiotics, probiotics, and enzymes to help keep my. gut and life regular. It has been so. great for my immune health and would be. great for yours as well. So, head to. drinkag1.com/caleb. to get a free welcome kit with an AG1. flavor sampler and a bottle of vitamin. D3 plus K2 when you first subscribe. Let's get back to the episode. It's a. win-win. You get money and I get money.

These are called affiliates and you get. that sweet sweet cash for signing up for. some amazing products. The first one is. Chime. >> This is a checking account that I. personally use and you get up to a $350. bonus with a new Chime checking account. and earn up to 3.5% APY on your savings. And second, my invested app of choice. these days is Webull and get a 2% match. on all of your money that you transfer. over. And finally, sign up for automated. investing with Acorns. Typically, the. sign up bonus is only five bucks, but.

with my link, you get $20. Ladies and. gents, you get money, I get money. Enjoy. Links are in the description. below. $5,003.09. 3,003.09. Oof. Minimum monthly payment of $157.98. Again, we're talking someone who made. $120,000, $100, $110,000. junior, senior year of high school. Yeah, and I made more after that. >> what we have. And this is what we have. today. >> Yeah. That's [ __ ] insane. Yeah, I.

know. It was a lot of bad. decision-making back then. >> clicked view statements? Yeah. Yeah, that's how you do it. So, if you come on. the show, it's calebhammer.com/apply. Actually send a statement. >> Well, there wasn't anything on there. Yes, there is. There's It's accruing. Yeah. $113.79. I get the total just like look of a. year. Making minimum. Mhm. How long do you think this takes to. pay off minimum monthly payments only. without any purchases? 113 minus 157, so. 44. Um roughly 120 months, so 10 years.

16 years with interest. >> wrong. 16, you did the math wrong. Math. competitions were for nothing. $1,000 in. interest this year so far. By year's. end, that'll be close to two on one card. alone. One out of many that we're going. to go through. >> That is my highest one. But barely cuz. there's many close to it. It's It's. rough. Um yeah, that that one is. probably going to That's That's a rough. one. >> Nathan, you want to start a company. soon? No, no, no. Oh, I'm being told he. wants to leave the zoo job and here and.

start a robotics company. >> I do. I do. Uh I want to do that after I. pay off my credit cards. So, or probably. >> And have a year's worth of emergency. fund at a minimum if you're going into. the world starting a business. Yeah, I'll probably do that next summer. What? What? What do you mean what? >> You're not paying off debt? You don't. think so? I don't see any indication of. Oh, okay. Um. No, yeah, I reckon I'll be done with the. credit cards by like January and then. I'll get my bonus. >> Wait. I mean, we can go over the. numbers. I I just.

>> We are right now. I don't see it. And. you'll have a full 12-month emergency. fund? No, I won't have a 12-month. emergency fund now. Um I'll probably. have like a 3 6. >> Which by the way, I know the little. savings emergency fund you have right. now was completely blown yesterday. >> Yeah, okay. So, I Party, booze, women, friends. That's where all your hundreds. of thousands you've made in your young. life have gone. >> And family. And I'm to And to family, I. guess, even though you say you're not. close to them. And I'm to believe that. all these credit cards of this will be.

paid off in a few months now and then a. 12-month emergency fund after that? Locked in for a second, big guy. You're. You're zenned up and you're gone. You're. going to find another flap and you're. going to dive head in as you See, this. is what my homies were telling me. They. were telling me to not clue women until. I pay this [ __ ] off. And I was like, "This is a lucky good idea.". Sure, until you don't. Like you said, you and I have the same problem. We like. women. Whoops. You will fall back in. God damn it. >> Luckily, I'm I'm locked in lock down.

Yeah. With a good one, too. She cost you. a lot? No. Really? No. >> Okay. We live together, but no. I mean, anything I do, she just does with me. So, I guess yeah, sure. If I'm going out. to eat, it's double now, but it's not. like crazy. >> Oh, dude, that was a big thing is. whenever I finally switched from eating. at home because the original deal was. since she wasn't working, she was going. to like cook and clean. That was like, you know, pretty good deal. The cook? Yeah. Okay. >> I wouldn't call her a cook. Well, I. mean, yeah, but she relapsed like four.

times in the course of a year and a. half. Yeah. It was It's hard though. It was. emotional. It was really rough. These bad habits and stuff I felt like. were you know eating out every month I. was spending like over a thousand. dollars eating out and bullsh-. Uh, you know, for two people covering. everything she needs covered which you. know is obviously not her. I should have. not done that but. now I'm in that mode, I'm locked in, I'm. going to get [ __ ] done. >> I hope so. Temporary. We we can all get. locked in for a day and we can come. back.

>> I've done this before. >> and that doesn't scream okay great. because that means we're not learning. our lessons, we're not doing anything, we'll be here again. So that's why I'm. just a little nervous and again if you. blew your emergency fund yesterday Oh. yeah, about that. So I I was doing the. Dave Ramsey band and then you know pay. off debt. >> Why would you do that? >> A thousand dollars and then pay off. debt. A thousand dollars is not even. close to enough. Well, cuz I know it's. not but what I'm saying is. >> Anytime people have been on this show. throughout the three years that have. done the one thousand dollars and then. they end up in more debt than they were. before they saved up a thousand. No, one.

month emergency fund or the money guy. rule, do you watch them? Yeah, I watched. you. Okay. Okay, well watch the money. guy too. They're good they do highest. deductible. Cuz a thousand dollars is. nothing. He just hasn't changed it for. decades and now their argument because. they want to stick to the rules in order. to sell their stuff. >> Yeah. >> is that well it's because it's just. about changing behavior and getting a W. Doesn't matter. More people people you. end up with worse debt in the end. because no emergency is less than a. thousand dollars and then you end up in. more debt. So get that get that So I. think that's a month. Highest deductible.

or a month, whatever you want to do. I. was going to do I was going to do a. month. >> way you blew it. Where? Oh, so I didn't. I didn't spend it. My homie is going to. police academy and he's a newlywed so. he's down bad for cash right now and uh. last minute they dropped on him some big. expenses and so I spotted him. He's never asked for money before. >> fund though. You can give when you have. more to give that's when I do it. Now. you're [ __ ] if something pops up. Well, no I'll be straight next week I'll. put it back but.

>> You'll put it back with your income. maybe based on the funny I'm a wolf. we'll see but too what about does he owe. it back to you? Yeah, he said he's going. to get me back. I told him you know well. just let me know when we're going to do. it but uh he's always been cool with me. and he's never borrowed money from me. before. I trust him. I hope so. It's not. about trust or if he can pay it back. That's all you had to your name. If. something happens tomorrow you're done. Well, I still have money in my account. How much? Uh, like a thousand dollars. total. A thousand dollars like I said does. nothing. I I think What do you think an.

emergency is? It's not a bill. True but. I don't know. Um. My other card is running, I'm good on. the car and I I had I feel like I've had. every possible bad thing that could. happen this year. Like I should be maxed. out. >> This is the thing. Yeah. Nothing feels scary Yeah. when you. haven't had an emergency before. I have. I've had all of them bro. I had the dog. surgery, I had the. >> Then a thousand then having a thousand. should terrify you. >> breakdown, huh? Then having a thousand. should terrify you. I know. >> I I guess I'm just jaded from it.

>> Hey Siri, pull up this. This is what. double cash looks like. Yeah, it's the. same you can just swipe on here. It's on. the same app. Uh, see here you go. But yeah, so that one it was also car. repair. >> This balance went up by the way since. the statement you gave us. It went up. Oh, I thought it was interesting. No, no. it didn't. It's about the same. Okay. Three thousand two hundred eighty-seven. dollars and fifty-six cents. Yep. Minimum monthly payment of ninety-one. eleven. Mhm. Yeah, those minimums get me.

man. They always hit at the worst times. >> Yeah, cuz you're putting everything on. credit cards and this makes no sense of. how you've lived your life and went from. the most blessed position anyone could. ever imagine to Well, I wouldn't blessed. I'd say I took it myself but um. >> Well, yeah but you can it's okay to. be humble. Well, no that's the thing is Twelve. years to pay it off minimum. What? I was going to say like what you. said like. I had every possible. bad thing happen happen Uh-huh. >> during those times. Like. >> Not everything but Pretty much. You've.

had some bad things. Listen this will be. a thousand a year in. a thousand this year in interest by the. So now we're at about three thousand. >> as the other one. That's crazy. >> No, no, not a thousand this year so far. by year's end. So we're talking three. thousand dollars by year's end in. interest. [ __ ]. That's tough. Yeah. No, but see on that. one too. >> Half of your month of income from your. main job. Yeah. >> guess you used this card for your. robotics lab in your house ten to twenty. thousand dollars? >> Oh, okay, okay, okay. So the the lab. itself is ten to twenty k. Um, my lab is.

so sick bro. If you saw it's so awesome. But I like to build robots and I build a. lot of them all the time. It's a fun. hobby and I actually made you a robot. It's in my bag. All right, let's see it. >> Okay, okay, okay. And I put the little. boo-boo on just for you. >> Oh my gosh, I didn't know you're a f-. It's not mine. The w- a word I don't. want to say. Okay, so keep in mind I. only had four hours yesterday and I was. left by like one. >> You didn't know you were coming on the. show then then that? Huh? You didn't. know you were coming on the show? I work.

a lot. Okay. Okay, but see I only had I only. had time to do the essential parts. I. was limited by print time. It says. hammer. Hammer that dollar. Oh, sorry. Yeah, yeah. It's incredible. Um. >> [clears throat]. >> uh the money. Yeah, yeah, yeah, yeah. So this is kind of like my whole bit is. I just make stupid robotics and. sometimes I do make actual robotics for. work. >> what we're starting a business with next. year? >> no, no. No, no. The business is not.

this. Okay? And. that's the whole bit. To save you from heartbreak in the. future put your dick under there right. now. >> Yeah, that probably would help my. financial situation. Remove the little. head and think with the big one but we. ball. >> Yeah, you're right out of the show. Silicon Valley from HBO. I don't know. what that is. You should watch it. Uh, I. I don't. >> Because you're like that. What do you. mean? >> It's just all about you. You're every. character in that show.

How so? I don't know how This. I like. building I don't get the references so I. don't Oh, okay. No, uh I have a lot of. robotics and that's actually how I got. into the job field that I'm in that is. making the money is uh Yeah, I mean I'm. sure. >> projects is a robot arm. Yeah. Okay, PayPal credit. Hey, you learned. how to send a statement this time. Yeah. Really proud of you. Now it had stuff on. it. Yeah, so the PayPal credit card um. that one I originally got out for the. flights uh going back and forth to Vegas. and. uh what I did was it's kind of stupid.

They had like a zero interest thing. What I thought if it was work did they. not pay for it? No, it was for my girl. They paid for mine. I know. I should have said that we were. married and they paid for it. Oh, [ __ ]. But yeah and so yeah, I would take her. to Vegas with me and yeah, it was a. thing but I would I got my check from it. and I was going to pay that back but it. had zero interest so instead I paid. another credit card. Two thousand three. hundred sixty-three dollars ninety-five. cents. And there's some other [ __ ]. down there. I'm not Minimum monthly. payment seventy-seven dollars. You got.

Peacock. Oh, I need to cancel that bro. That was. >> Yeah, you do. It's Peacock. You should. cancel it but also Peacock. You're. spending on [ __ ] on a card you can't. pay off that is accruing interest. That. doesn't make sense. Yeah, so. Fifty-four dollars and ninety-two cents. of interest accrued last month. I know. it's rough. Peacock I need to cancel. I. don't like Love Island that was for my. ex but there is a purchase on there that. you'll probably roast me for. I don't. see it. What is it? >> Okay, so we were talking about it in the. green room. I got scammed. I got. swindled. I got bamboozled. I got false.

advertised. Tell. Okay, so what happened. was. um cuz I thought I just got to get it. out there before you see it is I was. scrolling on IG fine popped up and I was. piqued my interest and she was working. uh integral, right? But in like a [ __ ]. dress and I was like that's pretty cool. Wait, wait, into huh? Calculus. Oh, okay. >> Yeah, yeah. So that's like I was like. this is pretty cool and she was like if. you want to see me do this but naked go. on my. I've never been a. guy. I've never done it.

but I didn't even get to goon to it. I. got scammed, okay? I was straight up. scammed bro. I swear to God I didn't. even get to goon. I go on there and I'm. like hell yeah, shawty's about to solve. a you know some equation. >> site first? A real gooner knows to check the leak. site first. >> I'm I know I've never done that before. and so I subbed and it was just her tits. and I was like well this is [ __ ]. lame. Oh. You saw titty. Yeah, but she wasn't. doing math so I was like this is pretty. lame. Like I'm just saying ladies out. there if you want to make some money,

you know, maybe like you know calculate. the resistance of a circuit while you're. throwing it back. Huh? Were they nice? I. mean they're boobs, they're cool. >> [laughter]. >> I'm just saying it would have been. cooler if she was doing differential. equations while doing it. I agree. Did you go through all her videos to. make sure? I scrolled a little bit, yeah. and I got to be honest I was duly. disappointed and I think I deserve a. refund. Yeah. >> You didn't come? No, I didn't. >> What? >> Yeah, I didn't. I was really. disappointed cuz I was down bad because.

you know I was pressed after this. breakup, you know, and I haven't had. none in like two months. >> club? That's was always my reaction. Bro. Then. I went once with these people. >> my coworker. >> No, then I want went with these people. and. >> the [ __ ] It was it was fun. I've always. thought of it to be a smelly horrible. >> That's what it is. It That place was. smelly. Yeah. Fort Worth but. >> What the [ __ ] the point of going to a. strip club? >> went with my girlfriend the next week. Yeah. Yeah, we got lap dances together.

You're joking. No, why would I? That's crazy work. >> I'm a gooner and then I don't goon in. real life. >> She let you cook her live? That's crazy. work. >> No, we cooked each other. We were next. to each other. You're like swingers. That's pretty crazy. >> making out with a woman grabbing tits. That's crazy work bro. >> Yeah, it was hot. Okay, I mean that is. kind of hot and we. we circle back to the lesbians. We like. that. Yeah, we have common ground there. Yeah. Um, so. >> [laughter]. >> So yeah, but that's why I go to a strip. club with your boys. Mhm, hard pass. I.

think I'll stay in my lab and build. >> Brandon. >> Lindsay and I will take you to the strip. club. Bro, I don't want to go to the. strip club. Okay, you. >> You won't go with me? I would go, but. >> You tell me you will not go with me. You're a fan of the show and you will. not go hang out with me at a strip club. I Okay. How much money does it cost? >> Not. We'll take care of it. >> If y'all pay for it, then I would. consider it. >> Yes, we'll cover the cover fee and we'll. give you 100 bucks in dollar bills. God. damn it. Okay, okay, okay, okay. Maybe, maybe, maybe. I got a Latina bias though, so that's.

got to be noted. We might have to go to. the strip club. >> very prevalent here. We're not that far. from the border. >> Yeah, yeah, yeah. In fact, some would. suggest they're the vast majority. >> [laughter]. >> Because most of them cannot speak. English. >> That's incredible. Y'all blessed going y'all blessed. >> Whether or not they're here legally, we. do not know, but Can we ball? But. >> I'm down for it. >> They're there. >> Dude, that's the most [ __ ] thing. Trump's done. I'll be dead ass. He's trying to ban the Latinas? That's. where I draw the line. Like, you know, make rich people richer and all that. That's [ __ ] up, but when you try to. get rid of the Latinas, I I'm going to.

have to march in the streets. And I did. There's pics of me and I'm. saying don't get rid of the Latinas, man. That's [ __ ] up. >> [snorts]. >> 15 13 years to pay this one off. Oh, yeah, back to the debt. >> for the OF. Did you cancel your subs? >> Yeah, yeah, I did. >> Good. I canceled it and I wanted a. refund, but they're like, "Nah, you. already sold out.". >> I have to vet you. I'm not looking at. anything necessarily, but log into your. OnlyFans right now. I'll show you, bro. I'm telling you, she didn't have math on. there. It's [ __ ] up.

I honestly really feel like I got. scammed. All right, here's her page. I was. thinking it already. >> what I'm vetting. It already had. >> don't want to see her page. That's not what I'm vetting. I don't. have any subscriptions on there. >> Uh-huh. Check. Uh-huh. You got a message. from one lady this morning. >> They all message you. >> but that means you subbed at some point. >> No, they message you. >> showing hole. I know, but they don't. message you unless Asian showing hole is. crazy. They they don't message you. unless you have like subbed at one. point. Oh, well.

You can check my subs. >> We got two. We got three. I shut the [ __ ] Aha. I'm not subbed. You. have previously. To suggest this was. your first is not true. You successfully. subscribed to. Margot. That must have been a long ass. time ago, bro. >> It must have been like 16 or. Um and she's. very busty. Who doesn't like.

>> Titties, bro. We were circling back to. that. >> Yeah. It would be cool if they did math. though. I'm just saying. One of them was Asian. I think that was the supposedly math. one. Well, yeah. >> She disappointed her culture. Apple Card. Bring up your Apple Card for. me. Okay. [gasps]. Oh, yeah, so this one. I racked that one up when I got the. truck, unfortunately. I also I know you said on your show to. like un-add all your credit cards off. your Apple Wallet. I couldn't un-add. that one.

But all the other ones are. >> Well, for many people I'd close it. The. fact that you get in and out and in and. out and in and out of debt constantly. >> Yeah. Mm. Kind of. And that's That's what's concerning to. me. This is like basically maxed out minimum. >> Well, the reason it's maxed out is. because they lowered. >> 48 14, I think. >> They lowered my availability after it. sat with a balance for a while. It was. The availability at one point was. higher. 71 is your minimum to payment.

Yep. Apple Card used Apple Card used. This was just last month. Apple Card. used Apple Card. >> subscriptions HBO Max. We definitely. don't be We don't need that right now. >> I'm pretty sure. Uh iCloud, that's okay. >> Yeah, it's I think it's storage. I don't. remember. Interest Okay, here we go. Interest charged 40 I mean, this is. probably like a 20% I'm sure this is. also about a couple hundred bucks or. like a thousand or two thousand this. year so far or by end of year. Okay. I. was going to say. >> By end of year. You can see the interest.

on there. >> Yeah, I mean, total total that's a. little bit of. spending on these cards so far aren't. crazy. I'm sure most of the spending's. in the checking account. >> Yeah. >> But I mean, every card's maxed out. I'm. not seeing Whatever this progress is, I. haven't seen yet, but. >> That's the thing. I want to see it. It's. interesting. They they weren't maxed. out. Like the the ones that you're. seeing on City, originally they were. like 10K and 7,500 is what. >> but now they're maxed out. >> Yeah. They brought it down cuz they. don't trust you with money. $1,447.56. on this Freedom card. Hey, you sent a. statement again. 6 years to pay off. $49.

minimum to payment. Interest charged. this last month $34.97. A lot of those Chase ones. >> Again, maxed out. Uh yeah, they lowered that one. >> dollars off, but maxed out. Listen, the. concern is yes, I believe you can pay. this off. I'm picking that up from you. I believe I don't know by beginning of. year, that doesn't make sense to me. But. I believe you can pay these off. I don't. necessarily believe that you will not. get them again. >> I I know and I I've come to. >> them up again. You've done this before. >> I've come to the conclusion cuz I did. well on credit cards for the first cuz.

my first one I got at 16 and. I did well until I was about 19. And so. I think I just I now that I live the. adult life and have real bills and. stuff, I think I might just have to not be a. credit card person and not have them at. all, but I would like to use them. responsibly. And so what I want to do is. I don't want to close them yet. I'm. thinking when I pay them off, I might. reintroduce one that's secured and just. work that for a bit cuz I I would really. like to retrain that muscle. >> Fizz card. Fizz card debit card that. builds credit. It works. It works the. same. Uh it just doesn't let you spend.

more than what's in your checking. account. Also get you an accounting. certification through Course Careers. Not for you to change your career path. or get more money, it's not about that. But when you start your own business, I. want you to be able to do true. legitimate business accounting. >> Well, I got a guy for that, but Well, save your money at the beginning. >> True, true, true. So, you know, I want. to make sure you're going in on the. right foot. I know and see with that one. originally, I'm not going to lie, I went. to Puerto Rico and that's the reason. I've got a balance on it. >> What? For a Puerto Rican baddie this. time?

Yeah. >> [laughter]. >> Actually, I'm not even going to say. >> Dude, what are you doing? >> what So, what happened was. >> Let me see. Let me see what? >> Her. Well, no, that was a random. I don't have any pics of her. You don't. know her on Instagram. I can pull up all. my people. >> No, BRO. WHY YOU GET BLOCKED? >> NO, NO, I wasn't blocked. I wasn't. blocked. I wasn't blocked. I wasn't. blocked. So, I had gone there with the. idea of it'd be cool to pull Puerto. Rican baddies. And then I went there and. I met with the I got these random tech. bro friends I made on the on the plane.

and ended up just getting smashed with. them. Huh? You ended up what? Oh, I. ended up So, I was I was flying there, I. met this guy who worked at Apple and. some other tech bros and they're cool. stuff. And so I ended up just getting smashed. with them on the beach and then I got. [ __ ] up and. uh we went to like these weird prisons. and and then the next thing you know, my. three days were up, so. You didn't even. have sex with the Puerto Rican. >> saying. I didn't even I didn't get to. link up. >> What is the point? If you want to land a. high-paying job, but don't have. experience or a degree, then you need to. learn about Course Careers. It is the.

easiest way to land the high-paying. career that you've been dreaming of. I've done financial audits for hundreds. of people and what I've learned is that. the single biggest factor someone can. take to improve their life is getting a. higher-paying job and that is why I've. been such a huge promoter and even an. investor in Course Careers. The way it. works is you simply go through an. affordable online course to start a new. high-paying career path. They teach many. different in-demand jobs ranging from. technology sales to accounting, construction project management, the. trades like electrician, plumbing, HVAC,

supply chain, and many others that can. be done remotely. And the coolest part. about Course Careers is their platform. works for people who don't have any. previous experience or degrees. Their. courses teach you everything you need to. know to land your first entry-level job. And they have a 100% free introductory. course for each career that teaches you. all about what the job is like, how much. money you'd make, and how exactly to. land your first job with starting from. scratch. Click the link below to sign up. for one of their free courses today. You. asked for it and I'm delivering a way to.

connect the dots to see how the stuff we. talk about applies to you, your money, your debt, and your goals. The wait is over because Master Your. Money, my all-in-one personal finance. platform, is finally live. [music]. Inside, you'll get access to all of my. courses, budgeting templates, calculators, a community of like-minded. budgeters, exclusive content, weekly. tips, and free access to the Dollar Wise. premium budgeting app. Learn everything.

from budgeting to investing. >> [music]. >> Tune in weekly for Behind the Budget, a. Master Your Money exclusive, and join. members monthly challenges to celebrate. your wins. And since it's Black Friday, I'm giving you access to our members. exclusive audits, financial audit post. shows, and more insider content in our. newly upgraded Hammer Elite 3.0. membership. I've wrapped it all into. what I'm calling the ultimate hammer. bundle. >> [music]. >> Sign up for Master Your Money today and. get a lifetime price you've seen at just.

$39.99 a month, over $100 in annual. savings, and access to the Dollar Wise. budgeting app premium version, 1 month. of Hammer Elite 3.0 for free, plus a. free budget-friendly cookbook that you. can download. This insane offer ends. after Black Friday, so if you want to. master your money, click below and get. started today. Um. Good point. Honestly, that was a really. bad ass trip though, I'm not going to. lie. That was pretty tight cuz I was 18. or no, I was 19 or 20. I don't remember.

But um I couldn't drink in America, but. I could drink there, so it was pretty. tight. It was a good time. But uh yeah, that's how I originally got that balance. because I was so burnt out here in. SA and um. I don't know. I just feel like I needed. a break and I shouldn't have done that, I know, but honestly, it really did help. a lot. And then I did pay that down and. then I racked it up on being behind on. bills. Dude, your life is just crazy. Where are you putting money and I just. don't. >> I know. >> Listen, you had a breakup. You're a. little bitter in the dating now, but I. don't believe you've you're going to. change your lifestyle for a bit. I've.

been locked in, bro. I've been in that. mode. No, man. I don't know, man. I I. can lock in as well, but when I was in. my goon early 20s, my goon I mean. This is you'll you'll you'll you'll. goon. >> You're a gooner. I'm a real gooner? >> You're a gooner. You're always going to. want to [ __ ] You're going to spend. money on dates to [ __ ]. This is. >> Well, so here's the new plan. Here's the. new plan. Here's the new plan. Instead. of spending money on women, right? I build them a robot. instead. Think about it. Instead. >> What? Does it give hand jobs? I mean, I.

could. I'm just kidding. [laughter]. You know it's like a whole industry. right now? >> Yeah. >> machines. >> Well, cuz men are [ __ ] and losers and. women are insane. So, yeah, there's. among the young generation, the men and. women are. in your your age range but. >> Yeah. Dude, I men are hyper extremists. on Tik Tok and men are losers that. inscribe stuff on bullets. So, I'm just. like. >> Yeah. I'm trying to That's what I was. thinking. I was like, I should pull me a. milf next. And that's like when I when I. was looking on like Tinder and [ __ ] a. little bit. I wasn't going to do it.

though. Um I was like, I should pull me a milf. Pull you a milf? Okay, couple hundred bucks in interest. this year so far. So, 500 by end of. year. We're talking almost like I think. we're at this point where 345 I think. like almost 5,500 by year's end in. interest. So, almost a total month of. everything combined. Well, of actually. of your main income gone so far. The. interest sucks ass and that's what kind. of sucks with the snowball method. But, I got to be honest, the snowball is. still. >> Why don't you avalanche? Well, cuz the. snowball uh I've tried avalanche before.

And that's why you don't get those wins. So, you don't stay committed. Yeah, and. that's what happened uh cuz That's why I. would prefer snowball for you. >> I paid off like 5K of the total that the. highest and I was trying to do the. avalanche and then now I'm switching to. snowball and then I'm finding it a lot. better. Okay, saver one of your small. ones yet no progress. $934.18. with a $33 minimum monthly payment and. it is maxed out. I got maxed out because. of my ex's birthday. Tell me. So, it's actually so [ __ ] up. That's how I.

got this la boo boo. Um so, I had for her birthday, she told. me she wanted la boo boos, right? And. so, I bought them and she saw the email. of them coming in. So, she's like, "Oh, no. I'm getting for my birthday." I was. like, "Lame." And so, I was like, "Okay, let me get you another gift." And so, those came in and I just gave her the. box, right? And then she almost broke up with me. because I didn't wrap it. It was like 2. weeks before her birthday. >> the the crazy cat. Yeah. Yeah, she's. insane, dude. We Everything there's not. one thing that sounds abnormal. Other. than she was like a seven I was I was. like, I don't know, man. I I was I was.

down bad, I guess, but she's a really. cool person. It's just I don't know. I. wish her the best. I hope things are. well. We'll see. But, yeah. And then um. I ended up getting her a different gift, but those yeah, I got off stock. exchange. I did pay it down. It's just Apparently, it's maxed out now. Yeah, I'm but that was from the gift. Yeah, I know. It's crazy. Again, there. will always be something to get you up. there and that's what concerns me about. you more than anything. Luckily, I don't. do Christmas. I'm not religious. So, I. don't have that holiday.

Did you delete your text messages with. her? With who? Her? My most recent ex? No. You want to see them? In the post. show, yes. You have better Dude, you're going to. see some bat [ __ ]. >> Exactly. That's why Hammerly is. incredible and you know I'm not going to. lie. I got crashed out a couple times. I'm sure you did. I would have as well. Crashing out's normal for humans as long. as You can see the text where she said, "I feel like it's feeding your ego to. talk to me." You can see that text. 140. in interest this year so far. So, it'll. be a couple hundred bucks. We're getting. close to about 6,000 in interest by.

year's end. Amazon Secret Card. What's going on with. this? Okay, so Amazon, bro, when I moved. to San Antonio, best part Best part. about being in the city is day same day. shipping. That [ __ ] is awesome. >> No, I came from East Texas. It's We. didn't have same day. Okay. But, San Antonio does cuz it's. like a major city and $29 minimum. payment. Uh balance $487.44. 23 months to pay this off. Uh no purchases, but I think it is Yeah,

it's maxed out. Started over maxed out, actually. With a interest charge of. $12.75. Yeah, I don't remember that one. Yeah, I. bought a lot of Amazon and my ex would. buy stuff on my Amazon, too. Mhm. It's all on there. And I bought a bed on. there, you know. >> $82 of interest this year. Answer to 30% rate. Yeah, it's not good. Getting closer and. closer to that 60,000 in interest or. 6,000 in interest. Again, I'm not seeing. progress here. Okay, so this card. started at zero, but you put 251 on it.

With the Freedom Flex? >> Yeah. I don't remember that. Great. Well, that's that's absolutely great for. your future. >> at zero. Well, it's at 251.51 with a. minimum monthly payment of 40. Damn. Sip. it. Vape. Oh, that's booze. Oh, yeah. Oh, good news on the vape. So, I quit. vaping. That's good. >> Do the ultimate big brain strat. So, what I did is I went from vaping to. cigarettes. Big brain. Okay, hear me out. Let me cook. Let me. cook. Let me cook. Let me cook. Let me. cook. Let me cook. Okay. So, here's the strat. Here's the.

strat. Let me put you on game. You're vaping, right? I'm chiefing that. [ __ ] day and night. I work in an office. and I'm allowed to do the [ __ ] I want. So, I'm chiefing day and night. Cigarettes, I got to smoke outside. And. so, what I did was. um. I I had to separate out with my. cigarettes. I switched cigarettes and. then I. uh Murphy's or whatever, they're doing a. promo. They give me free Zyns with every. pack of cigarettes. And so, now. I switched to Zyns. And so, I've been a. 2 weeks almost no vape or smoke. >> Well, I said locking in was Zyns. earlier. I was making a joke. I didn't. know you actually took Zyns. No, stop.

it. I don't do Zyns. Okay. But, yeah. I'm off the vapes. No more vapes. Wingstop. Went in and got some [ __ ]. What you get? From gas station. Seven bucks. Oh, wait. You said Wingstop. Uh Circle. [clears throat] K. Oh, Circle K. Probably a Red Bull and some [ __ ]. >> don't do that. Listen, here. Try one of. these. Oh, I I I was telling them in the. thing. I got Gamer Supps. I [ __ ] with. Gamer Supps. >> so good. Here. There's a free sample. You guys can get free samples now. Again, with the powder you put it in. this. It's really good. 10% off with my. link or get the free samples. Type in. code Caleb. 25 cents a serving. It's.

like making your Red Bull at home. Like. making your coffee at home. 25 cents a. serving. >> Get to the degenerate VTuber ones. They're the best ones. They are. They. are. >> I like the blow hole ones. >> That's No, that's mine. That's my. favorite one. >> Yeah, it's good. It's that uh that. German chick. >> Yeah, I don't know who it is, but it's. tropical and I like it. Yeah, I saw her. at Weeb Con. Well, you got more Red. Bulls. Don't. There's gas. Yeah, I got to stop with. the. >> Nice pies. Sports Bar. Sports Bar. Red. Bull. Raising Cane's and Red Bull. Yeah. Hey, you usually pay this off every month. So, I'm going to cross it out cuz no.

interest accrued this year. Yeah. Um. Yeah, that's my good boy credit card. Honestly, I think what happens when I. use that most time I use it accidentally. because I would do Apple Pay. Whoa. Whoa. Whoa. >> it was on my it was on my Apple like. thing before I took them off. >> Whoa. What the. Okay, I'm seeing your debt, but your. checking account's weird. What's wrong. with my checking? Well, we ended with. $2,696, which is great. Oh, okay. That's good. >> with negative $394. I remember the talking to Colton about.

this. So, what happened was. is I guess I forgot whenever everything. was hitting at the beginning of the. month because the Allstate payment is. like in the middle of the month. and uh instead of the first and I I I. guess I just lost track and I spent too. much cuz I was right around the breakup. and I sent her money so she could go. drive home and then I was dead broke. That's crazy, dude. This. is She didn't have any money. She had to. get home. And so, I sent her some money and To. negative? No, not to negative. That The. negative came cuz all my minimums hit.

right then and I wasn't getting paid. till Friday. You can see on there. They're like all right there and then. boom, I get paid. Well, before I look at. this, I want to look at your Amazon. Oh, okay. Yeah, you'll see some [ __ ] that. she bought as well. She's not on anymore, just to be clear. But, um. and then you'll see my most recent is my. bed. Here you go. And you can get to my. credit card from if you go to the. account and Starting screen recording. We'll black out private. Oh, yeah. My. fault. The Tunnel, a novel. Mattress. You got your new mattress.

Yeah. And the tunnel is just. Multivitamin. US Army Forces. Oh, that's. another book. Okay. I have a lot of books. >> Born year adjustable weighted ankle. Oh, yeah. Those are from my marathon. >> Okay. Okay. The The AirPods. >> Pencil set. That was for drawing. That's. what she got. >> Dip pen. It's just like a calligraphy thing. Okay. But, um it's just for art. But, um. the the AirPods, I did justify. I worked. a like almost a 100 hour week. And so, what I justified it is is I have to come.

in a half hour early and leave a half. hour late for 3 days, it more than pays. for the AirPods. So. But, you could put it towards your debt, dude. >> I know. It's just cuz I needed that. reward to get through that week and then. I really wanted AirPods to. be able to wear at the zoo. >> Neodymium comp magnet. Oh, that was for a robotics project. Those are magnets. Lots of birthday stuff. Canceled. Canceled. Canceled. Canceled. Yeah, I ended up canceling them. They're. canceled. >> Colton said there are sex toys on here, but I don't see it. Sex toys? Oh, that's.

deep. You got to find that deep. That's deep in there in my orders. I. don't know. Colton knows it somehow. No, uh he was asking what's on there. I. didn't know what's which ones you'd be. able to see, but yeah. I had bought some. Stuffing yourself? Oh, yeah. Big time. I just love plugging. And again, going. negative in the checking account to give. our ex money. What did we do? Yeah, I know. >> Well, you got Red Bull. We got liquor. You get a lot of liquor. >> Okay, so that was Okay. I. I'm not drinking. I'm not drinking. anymore. I'm on a month I'm on a month. clean and I had two beers the other day.

That's it. But, Okay. The re Yeah, that. was you're seeing my depression week and. I was not well and I did drink a lot. And I think I if you look at the liquor. store though, I also buy my cigars. there. So, I was smoking a cigars then, too. Why? Dude, you just want to You do everything. bad to yourself. I know. >> Red Bull. Chili's. Audible. Audible. Apple. Cash. >> App Slacker's St. Mary's, Slacker's St. Mary's, Apple Cash, Slacker's St. Mary's, Joey's La Perrona's Red Bull.

Panda Express Red Bull, Chipotle. Again, we could be paying down all our debt. By. the way, you said, "Oh, I'm making some. money.". There was no more than a minimum payment. on any of these. Mhm. So, [ __ ] off. I mean, that's what I was. expecting, but I needed to go through to. see. Actually, no, that isn't what I was. expecting. I was expecting maybe you did. on a small card. You didn't. Red Bull, Chipotle Red Bull Red Bull Hazel Sky Red. Bull Red Bull McDonald's Chick-fil-A.

Thirsty's Thirsty's Taco Bell. Schlotzsky's Flex Finance Oh, so. that's when I was doing my rent and two. payments. So, like it'd be around the. 1st and around the 20th. Why? You make. money, good money. Uh well, cuz uh what. happened that made me do that is uh I. had gotten hospitalized uh like a month. before this. And then For what? I fell. behind. I had a seizure. That's not good. Yeah, so um I have like. a sleeping thing. Cuz I it's just stress.

and working so much. Especially in my. last job, I was working like 80 to 100. hours and flying. So, I was only able to. sleep like 3 or 4 hours at a time. Like. on an average day. And um it ended up. causing a seizure, so I was hospitalized. and I was out for like 2 weeks. Yeah, and my work was really cool about. it, you know, they That's good. But um. yeah, I ended up being behind on on rent. and. >> Perfect Tender Ta- Walk Way El Camino. PayPal Apple Card. Well, that's a. payment to the Apple Card. Cash App.

M- uh Red Bull Tacos Red Bull Crunchy. Roll Apple Bill McDonald's McDonald's. McDonald's Water Burger [ __ ] All could. be going to debt and we're not putting. more than minimum payments on debt. We're simply not. Pangaea Starbucks Cash App Raising. Cane's Specs Chick-fil-A Jewelry. Wait, jewelry? Yeah. SP Hard Jewelry. SP Hard Jewelry Oh. Yeah, yeah, that Oh,

I didn't wear it. Yeah, I bought a ring. Great. Liquor, Chick-fil-A I was down bad. Smoking Eaze Alexa I was down bad. Monster, Water Burger. Yeah, yeah, for. the whole month. I know, it was rough. I. was rough, bro. I'm not proud of it. I. was not I was going through, man. All my. homies know I was down bad I'm sure. I'm. sure. That was a really rough one. And. plus, we were still kind of talking for. like a little bit afterwards until she. decided to ghost me. Cuz I I really want.

her to get right, cuz she was on some. I know, but I I don't know. And. especially an ex. Like that might not be. >> I know, it's just when you care for. someone you got I get it. I I know you. wanted her to try. Red Bull, Apple Cash. Tacos Flex Finance again That's the fee. for it. Amazon Spectrum Well, that's. fine. >> have the Flex anymore. Just be cool. And. sauceplus.com. Total overdraft fees this year so far. $170. That's insane. I know. See, I didn't. know I was going to be doing that for so. long. I honestly thought you were kind.

of like pretty okay. Finance guy, pretty. okay. Really in the niche. You're not. I. You're overdrafting like insane. You're. not making any more than minimum. payments on anything when I thought you. might. You're spending a lot of money on. bull- endlessly and it's really bad. habits, too. I know, and they were. >> Even if it was last month and Cash App. month, that means you're still not. making any progress. You're just getting. liquor Mhm. and doing Zyn's getting. cigarettes. This is really bad habits. >> I know, I know. And that's That's the. main thing is I'm focused on my health. and. >> What? I'm focused on my health. Well, that's what I've been doing. And so, like with the like the prep meals and. stuff I'm about a month into that diet.

and it's been helping my bank account, too. Plus, I've lost 10 lbs. Well, that's. good. Total income $8,200. Well, hopefully that's good. What is? Did you lose it in a good way? I mean, I think so. I'm pretty out of. shape still, but I'm working on it. $386.36. truck, $630.34. Uh the AT&T card, $157.98. These are your minimum payments, by the.

way. >> Oh, yeah, yeah, yeah. >> $91.11 for the City Double Cash PayPal. Credit $77 $71 to the Apple Card Freedom. Card, $49 $33 for the Saver Card the. Amazon Card for all the dildos, $29. Your minimum payments. right now, just debt $1,524.79. Now, what I am going to do is you're. going to put $500 immediately into the. Jeep. You're going to sell it. That. doesn't get rid of the minimum payment,

but it is going to bring it down to. about 5,000. Wait, what? 6,000. To the. Jeep uh to the Jeep, right? You said you. put in $500. You sell it for eight. Oh, yeah, yeah, yeah. >> towards the debt. That brings it to. about six. But I can't sell it until I. pay it until I pay it down to its total. amount. I can't get a loan for the. difference. Cuz I went to a credit union and they. were like, "Nah.". "Not until I pay off credit cards.". Okay. We might be able to look at some. resources afterwards, but. >> Yeah, I'll try another some more, but I. was looking at my local credit union.

>> you'll set that money aside and I'll. consider bringing it down to the debt. Yep. So, I'll I'll bring the Jeep debt. down to six. Okay, what's your rent? Uh. 1645 and then plus internet, water. stupid fees. It's like 19. Okay, I'll call it 1,900 total. Mhm. That's expensive, by the way. Phone. bill? Uh Especially for San Antonio. Yeah, 165. Gas, vroom vroom, drive, drive. 160 a. month. Uh T-Mobile, I know is good in. this area. Switched to Helium. Yeah. >> How much How much for gas again? I'm. like locked in. They did some stupid.

Yeah, once you're out of that. Um. uh how much for gas? Uh 160. Uh and car insurance? 330. Okay, groceries, you can do 300. Follow. the meal plan, follow the meal prep. You. can. It's so easy, especially with HEB. You know that. TP, fun, anything else. you need to survive, 100. Medical, health care, any co-pays? I have a lot. coming up, but I'm just not going to do. it for now, so nothing. Okay. Gym? Uh I got it for free. Good. >> Oh, oh, wait. My dojo for jujitsu.

Give you $50 in subscriptions. Okay, dojo. >> Okay. Yeah. 50 for subscriptions. Anything else that. needs to be in your budget that I've not. put in effect? Uh Let's say you're cuz I. know there's some room here. Let's say. wiggle room for hobby. How much do you. need? >> So, for books, I probably spend like at. least 50. >> Actually, what I'm going to do is give. you fun, 500. What? 500 bucks? Do you. have any pets? I have three. I have two. kitty cats and a dog. Ages and health? Uh the dog's four. The smallest kitty,

she's less than one. She's going to be. one in a bit. And then my other one's. two. All healthy? Yep. Good. Get pet. insurance. Good pet insurance. Not. stuff. >> Uh you had talked about Lemonade. Who. should I go with? I was looking around. Spot. Spot? Okay. Yeah. But look, make. sure you get the right plan, because. that's what's hard. Yeah. So, 150. How. much for pet food? Uh. 40, 50. So, like 90 bucks a month. Okay. Good. I get the good [ __ ] Good. I think.

you can afford it. Oh, well, this rent. is actually pretty high. Okay, let's see. what we can do. Okay. Yeah, I mean, you. still got wiggle room, but not much. I'm. cutting your fun down to 250. That's my. Zyn budget. >> [laughter]. >> I guess so. $5,199.75. Damn. You're going to bring in 8. $1,200. I mean, I was going off of the. gap from the 660, but you need to pull. in the money. That's That it was like. the extra bonus money. >> Okay, I'll pull in that and then $3,000.

a month is the leftover. Yep. Now, we have 60. $63,528.18. I'm going to minus 7,500 for the Jeep. 500 of that goes to fixing it. Um okay, very good. Now, $56,028.18. divided by this 3,000. you'll be debt free in a year and a. quarter. A year and a half. >> Yeah, my goal is debt free by 2023. That's my That's my Okay, well, you said. by January. That doesn't make sense. No, no, the truck included.

So, I turn 22 in a couple of months and. then Well, if you actually follow this. budget, $250 for fun, nothing more. beyond that, Yeah. which you blow. everything on women and craziness. Yeah. One and a half years. And then don't. start your business until then. Okay. >> [clears throat]. >> You think cuz Maybe. I I read this I. read this book about it and he was. talking about um starting a small. business. Like solo. You can, if it's. low and it doesn't take money away from. the other things, cuz you're going to. quit your Zyn, and that brings in money. We can't do that. Right, right, right. And so, my my plan was um cuz the. business, whenever I initially start it.

it takes very little up-front investment. from me. Mhm. Because I'm doing like. control work, like control panels. And. so, the customer will buy the parts. And. so, I'm just doing labor. Okay, as long as it's not taking away. from the progress. >> nutty is why I want to do it. Because. like in 3 days, I can make like 8 to 10K. just from building panels. So, that's. what I would do. And I would get a fully. emergency fund. If you really want this. business to be your big thing, eventually. >> Yeah. And I had some more questions, too, is I I was listening to Dave. Ramsey. I had stopped investing in my.

Roth IRA and 401k. D- But I was thinking the the payoff is. so huge on my Roth and I have the. margin. Should I keep contributing to my. Roth at least? Some of these interest rates are just so. substantially high. >> Yeah. For your IRA, I wouldn't. I'd. certainly take your retirement match at. work. Yeah. >> interest rates on these cards being like. 30%, doesn't make sense for the market. So, even the best years is that. It's. just cuz it's a compounding years, too. I know, but this will compound, too. Yeah, true. Okay. So, no, I'd focus on this. Yeah, yeah. Take your matches. Take the.

company match. Okay. Take your matches. and then and then we'll we'll we'll. heavily invest. You'll have a great. retirement. You just can't bounce back. into this situation again. I know. All. right, I'm going to look through his. texts. Let's get the Hammer Financial. Score. I'm going to look through those. girlfriend texts. And then I'm going to. try to call her. Um so, join that post. show. But Hammer Financial Score, spending your. you spend exactly what you made so you. didn't overspend. I'll give you a two. out of 10 for that cuz more of this. money should go towards debt. Yeah. Down there. >> Debt, no collections, pretty bad debt, two cars, but that's about a two out of. 10. Emergency funds, I didn't see a.

savings account. Uh I have one. It was a. thousand but. >> one out of 10. Retirement? Uh I have like. >> [music]. >> 2,500 in my 401k. Uh 21, I can give that. about a five out of 10. What? Maybe well. at 21 cuz that's age dependent. I was. expecting a zero for that. I thought you. needed like 10. >> 21, well you I'm get on track and I'm. going to give it a three cuz I want you. to be on track to hit your total income. Yeah. Whole year's worth of income by 30. needs to be saved up. So I'll give you a. three out of 10 cuz you're just getting.

started. Okay, I'll give you a two out. of 10. Real estate, zero out of 10. Yeah, I don't think I have anything. The. more I think about how long it's going. to take to get there. No, I'll get the. retirement a three. Sorry. Okay. Hammer. financial score round it up to what you. said from the score you took, two out of. 10. Get your Zikoko Pumpernickel and. click that join button right now. Join. us for extra 20 minutes and three. premium shows posted every single day. Monday through Friday in Hammer Elite. I'll see you there. Okay, I'm looking. through his text messages. Let's find. something juicy. She got evicted and. ended up moving in with me after like. two months of us being together. I'm.

nervous. I don't know if I can handle. that bro. Come on. What is that? Strengthen your resolve, improve. yourself, be so for real. It's a lot of. texts. She said, "Are you okay with. losing me?" Well, that answers that. That's okay, I understand. >> That was after she told me she didn't. want to talk to me anymore. Hammer Elite. is the best YouTube membership on the. planet form and I just upgraded it. New. dedicated premium shows every single day. Monday through Friday. Join with the. link in the pinned comment or. description [music] below. This is the. best membership you'll ever join and.

that's a promise.