Pathetic Simp Drowning In Debt For Mail-Order Wife | Financial Audit

We're already engaged. She's not a US. citizen. That's kind of what I'm getting. at. Oh, sure. How long did you guys know. each other before getting engaged? 6 months. Out of safety for yourself, are you positive that this is for good. intentions? I just want to be. protective. Yeah, yeah. And also it comes with a lot. of complications, too, because now I. have to spend $5,000 on immigration. papers. Did you get her a ring? It was. uh 2,500 bucks. It was while we were on. vacation at the. Vacation? I had to borrow $1,600 just to. afford to go to on that vacation. Oh!

Hi, my name is Mason. I'm 29 years old. I'm based out of Mountain View, California, and this is Financial Audit. Oh, we're the same age and we have curly. hair and glasses. The whole comment. section's going to be like, "Oh, it's. another Caleb twin in the Caleb verse.". Okay. Well, okay. Or as Noah says, the. Ozempic version of Caleb. Yes. Uh my producer, so yeah. [laughter]. Ozempic. What do you do for a living in. uh California? I actually work at a uh.

EV uh infrastructure uh. Tesla? No, no, no. I um no, I don't work. at Tesla. I I work at a EV integrator. They are a competitor to Tesla. What do you do? What's your job? Uh I work as a uh R&D engineer. Um. that's kind of what I do there. Sounds like money. What are you making? I make no money, which is why I work. there. So, uh I only make $80,000. um like you you yeah, a year. What are. you talking about, I make no money. [laughter]. Okay. Haha, yeah. What?

But that doesn't The the rent there is. like. The rent's like 2,000 a town? Mountain. View. Okay. Yeah, that's expensive. yeah, it's like $2,000 a month and it's. like half my paycheck. Oh, $3,000 a. month. Well, how much are you. contributing to like retirement? I I don't even. I don't even know. I don't I don't look at any of that. those. You mean you don't know? You had to have. set it up and I chosen the amount. I just clicked through buttons. I really. don't know. Well, I can't get into your. retirement account, so I wouldn't know. Yeah. Why did was payroll in only. $2,115?

Yeah. Why? It's just That's not your payroll. It is. $80,000 now. Yeah. Yeah, after. taxes and fees, yeah. That is It is. That's. That means you're contributing like. an insane amount to like your 401k or. something. I. Yeah, I don't I don't know. That's why you feel like you make no. Did you give us your 401k statement? I. don't even know how to get it. Are you like a hopeless child? We're the. same age.

I I sometimes I guess that's funny. I. don't I don't Why if I. think about it, then I would look at it. But why would I if I if it's just done. automatically, then There's probably the. think about it stage would be when we. asked you for documents. [laughter]. Yeah. Okay. All right, so. no offense, but. what the buddy? In no way, shape or form.

are your taxes going down from $80,000 a. year to $25,000 a year. You're not in the top tax bracket. Top. tax bracket after everything in. California and federal, that's like 50%. sure, but you're not in the tax top. bracket. I I get I get paid every 2. weeks, not every month. So, that's a. little It would be more of like what 48. 50. [laughter]. paid. I I just don't I I feel like it's not. $20,000. It I feel it's a little bit more than. that. Well, but you just.

[laughter]. Okay. You just told me that the $2,115. that came in. was correct. Yes, that is what comes in. That equals $25,000 a year, buddy. So, which one is it? Is that wrong or is. that correct? It's I I think you're. doing your math to monthly pay, isn't. it? This is what came in in the last. month. Payroll that time asking how. that's realistic. That's what came in in.

payroll the last month. [laughter]. I uh. I've no idea. Like I I don't I just. don't What's your account on a monthly. basis, buddy? Buddy, what's your account on a monthly. basis? I I On a monthly basis, I I I. expect $4,000 $4,200 a month. paycheck. Not a month. Yeah, that's a paycheck. Yes. Um okay. That's okay. [laughter]. That's okay. I'm just I'm just literally just trying. to figure out baseline.

Yeah. Okay. Now, that can be a bit more. reasonable. You know, we're talking. maybe $50,000 a year. Yeah. Still don't think your taxes would get. you to that, but after health insurance. maybe you're doing some HSA. and maybe a decent amount to. for 401k math could start mathing. Now, here's the here's the my question. You. said I'm making no money for the area, which again, $80,000 does not go as much.

there. Absolutely not. Don't get me. wrong. I'm not trying to say it does, but. if you feel like the money that's. hitting your account. Right. why don't you look into where it's. going? I. Honestly, don't ever look at my. accounts. I just swipe the card and then. I keep cash if it gets declined. No, the. pay the pay hitting your account. I. don't ever look. I just don't. No, no, no. No, I'm sorry. I don't I don't I don't I. don't mean Sorry. I don't mean these. accounts. Okay. I mean your pay. Like.

you're you're like pay stubs. Like where. the money is. Do you could you get could. you get access to a pay stub for me? Yeah. I can get access to pay stubs. Yeah. Those are on a platform that I. have access to. That you have access to. right now? Yes. You pull it up right now? Oh, yeah. Okay. I can show you my. paycheck. Okay. All right, that's a that's my last. paycheck. Thank you for pulling this up so. quickly. You only have 12% battery if you need. Um so this was this was this was one.

One, yeah. Okay, very good. Uh. very very very very very good. So, we had taxes at 27%. Okay. But we had post-tax deductions at 7.7%. There we go. Things are making a little. more sense. Also, it's a little more. than you suggested. So, is this an average check, would you. say? I I would be an average check.

Okay. So, you're actually walking away with. $4,564. a month. And after that post-tax. deduction, you know, ranging close to that 10%, things are starting to make more sense. Okay. Wish I had a little more insights into. specifically where everything went, but. that's that's okay. All right, buds. We're only getting You know, I feel like. we haven't even like started this. conversation, but we've figured out the. baseline. It's always an interesting one when we.

talk about the pay and somehow that. lasts like 7 minutes, but. we got there together. That's all that. matters. Um sure we Twins. [laughter]. Twins. I'm sure you have. up, buddy? What's going on? Uh yeah, so. currently, uh I have a lot of debt and. uh I. am currently living out of my leased. car. I just threw a match. car? And just leave Okay. Yeah. Yeah, I So, you're currently. homeless? Yeah. Currently homeless. Okay. Yeah.

I'm sorry. That it. Yep. It's okay. I mean, I'm Well, how. long have you been? It's only like a. It's only been like 3 weeks. Wow, what happened 3 weeks ago? Uh so. what happened 3 weeks ago is the. um. guys whose room I was renting out, uh he. ended up selling his property and kicked. me out. And because. I have no saved money, I couldn't even. afford a down payment for another place. Oh, so what what was your rent at that.

time? Uh the rent at that time was uh. $1,400 a month. That's including utilities. Okay, so. with that, I know you had that, but why. were you what in what way you're. managing your finances in a way with. after that $1,400, which is substantial. for your post-tax income. Again, we need. to look at those deductions, but um in. what way. were you not saving any money? Like how. are you living? I cuz I've been trying to put a little.

extra towards the credit cards. Yeah. So. I like so if the credit card says, "Oh, it's $200 a month," I would be like, "Okay, 250." If it said it was like 178, I would be like, "Okay, 200.". Uh so like I I really don't know how. much that equals out to. I don't really. look too hard at my. balances or where stuff goes. I just. kind of like. know stuff goes places. Is all of Mountain View pretty safe or. are there dangerous areas? No, like most. of it's really safe. Okay, well good news then. I am seeing. some places for like $2,000 that are one.

bedroom. Yeah. Um now yes, you know, you. have to pay for a background check. sometimes, application fees, security. deposits sometimes first month, last. month, you know, things like that. Oh, here's 1.9 thousand. It's right off a. highway, so it's a little noisier. probably, but it is there and it. actually looks pretty nice inside with. 2,000 is still like half my entire. paycheck. It's just too much. get that. It. Yes. I get that. Which is what I was saying. What we have to do is if about 10% are.

going to you know, retirement accounts, Yeah, might need that 10% right now. But what isn't like the whole thing. supposed to be that you're supposed to. put as much as you can towards your. your. uh retirement income? Quiz. Pop quiz. I'm sure. Are you homeless? Yes. Oh, that's interesting. Yeah, I think we. solved that. I I have a place to sleep. In your car. That's not necessarily safe. though, man. That's not necessarily. safe. And you know, if a frequent storm.

happens and like for some reason you. don't have gas, like people have gotten. in trouble when they live in their car. in those type of situations. Of course, that's a rarity, but even still. break-ins and different things. You know, showering's more or less. convenient. It's harder to live even. even though you're saving money on rent. Yes, it's harder to save money on these. other things. You're going to be eating. less healthy. Your sanitation's going to. be less healthy. There's a lot of. downsides. And again, just basic safety. as well. So what? Your plan is to live. in a car until you're 59 and a half and. you can start taking money out of your.

tax-advantaged retirement accounts? I I. I was planning on living in my car until. at least I feel like I feel like I have. a better handling on my situation. Now. why do you have to live in an expensive. place like this? With your background, it seems like you might be able to get a. good job. Clearly, you're not from. there. You have. uh a shirt on from the land of corn. So. Yeah, I I. [laughter]. I am I am from the land of corn. one of the most expensive cities in the. world? It's uh cuz I actually never went to. college. So But have you But have you. built up the experience now? Yeah.

On the resume. Shh. I guess yeah, you. could say I built up the experience on. the resume. But I don't I just feel like it's it's. so hard to. show that when most places are expecting. uh throwing your resume through an AI. and be like, "Unless you say bachelor's, we're not even going to look at your. resume." They don't care you have 4. years of experience being a uh. integration engineer for a company that. does millions in revenue. Yeah, I mean, it's certainly complicated. It really. depends on the industry and it depends.

on the job market. But, there is a. certain threshold where two recruiters. and two certain jobs that a certain. amount of experience will essentially. negate, you know, the education thing. that's there cuz you know, you know, bachelor degree is 20 years ago, and you. know, you have like 20 years of. senior-level experience, you know, that's what's going to take the. priority. There's a certain level, it's. not like there's a perfect math behind. it and where that threshold hits on some. bell curve. But, you know, I would be. curious to see like what does your. resume look like? Is it horrible? Is it.

Um and honestly, I'm not saying to lie, but who checks? They They check your. college degree. Yeah, but we're we're not saying we're. going to Yeah, exactly. I know. Cuz clearly this is not working for you. to be there. This job is not enough for. you to live there in your current. situation with the mess you've gotten. yourself in while also trying to. contribute as much as you are to. retirement accounts. This is not working. Flat out.

Or you're just going to need to get on a. roommate website. There's that option as well. I I. obviously haven't done that. You know, I'm just looking at you renting your own. one-bedroom, one-bath. But, you know, maybe you're renting. uh a bedroom with a shared bath at a. place with like four other dudes or. something, you know? What? [laughter]. Four people, that's crazy. in a car. Shut the up. I I don't know. Yeah. I mean, fair it's. Sure, that's fair, but still like I. don't know. You've never lived with other dudes? I.

lived with two other people before at. when I in my old living situation. And but like it was kind of like. separate. It wasn't Yeah. You would get. your own room, but you might share a. bathroom. The sharing of the kitchen is the. hardest part. That depends on who you. live with. Mhm. I've had many different. roommates. It depends on who you live. with. Mhm. My gosh, do you get to be that. picky when you're literally homeless? Yeah, laugh it off. Yes, yes, but do you.

get to be that picky? All right. I mean, that's fair, but I I don't know. I. I made the choice. I figured like I. could do it. So, you want to. Well, I. I feel like I don't really have very. many options. So, I feel like that the best option for. me is just to stay homeless. and just use the facility that I have. you been in Mountain View? Me? Um, I've. been in Mountain View for 2 years. Okay, so what has the living situation been. throughout then? All right. Yeah, so.

originally, I had moved to California uh. and to be with um my then ex. and uh we ended up getting a place. together. And so, uh. we uh I paid for most of the stuff. So, I paid for the. um the the initial move-in. Um, I paid. for most of the furniture. I paid for. everything else. Uh and then. uh paid for some cats that is basically. entirely on.

Cat fees, okay. Yeah, I. whole totally on a credit card. Mhm. Uh but paid for that. Paid for the cats. And then uh she ended up uh kicking me. out uh to be with somebody else because. uh. I didn't do enough for her or something. But uh. What? Tongue skills aren't on point? [laughter]. That's inappropriate. That's. inappropriate. We don't make those kind. of jokes. I make those kind of jokes. Okay, what what what does that actually. mean in all seriousness? Like it means. that uh there was at least.

12,000 in debt. at that point in time. And that is you not doing enough for. her? Yeah, that was yeah. I mean, I. can't. saw you as a someone who wasn't. contributing in a way and may not have. the future that she's looking for. That's not an unreasonable reason to. break up with someone necessarily. Like. I I'm not saying you're this person, but. I I want to be a with someone that. doesn't have any kind of you know. ambition if they are kind of like. stagnant in life. Again, not saying. that's you but I can kind of like. correlate to if you're seeing someone. who's in a lot of debt they're not.

really getting out of debt they're not. really having the discipline in the. future to get out of it. Is that who I. want to lock myself down to? Now kicking. you out that's different especially to. bring in someone else right away. That's. certainly different like I would want to. give you a. like you know But the thing is is like. the debt was not. it wasn't there before. It was there. because we decided to move. Yeah. Yeah. Right? All of it all 12,000? Yeah. So it's expensive. Yeah. Okay, well. that's certainly not pet fees. No, no it.

wasn't all pet fees like there was like. a $4,000 bed. Uh there was like a $1,200 TV. Okay. There was a $500 nightstand uh. nightstand TV stand. Uh the couch was. like. So she specifically brought up the debt. as the reason to break up and kick you. out. No, she didn't bring up the debt. She. just said that we weren't going. anywhere. Oh, then maybe you weren't. going anywhere buddy. What? How do you. bring Okay. [laughter]. But like. it wasn't like I wasn't doing anything. Yeah, but she said you guys weren't.

going anywhere. Maybe. she didn't like you anymore. But the. thing is is like. she's not entitled to like you. That was 2 months after. we moved in. No, that's. Trust me, I'm not saying she's right for. the kick out. But But if someone's not feeling it they. they're allowed to break up. Yeah, of course. Yeah, no no I. understand that. I I I I'm not But the. kick out that kind of sucks. How how. quick was the turn around between get. the out and you had to get the. out? Uh it was it was basically like. a week. It was like oh hey this new.

guy's coming over now. This new guy's coming over that's fishy. Yeah. I know. So then you had to like. scramble and. Yeah, I had to scramble and find a place. yeah and I got I got lucky. There's just. some some rich guy was like I have a. room available. I'm like okay sure. Well, speaking of rooms available, we've. done the research now on the roommate. site. If you go to. roomies.com/rooms/mountain. view, California, lots of options under. $1,200 a month. And a few options under $1,000 a month.

You can do that. You just need to be a little humble and. accept that you can live in a place. where other people use a kitchen besides. yourself. I mean, okay, yeah. I could I I could. I. could live in a place with somebody else. for $1,000 a month. versus. staying in my car. I don't want to, but I could. Have you found. a new girlfriend yet to live together in.

that area? Yeah, so I actually did meet. somebody else. Um Oh, good. Okay. Yeah. Uh within the last year, uh she is actually she was a foreign aid. teacher that they. um. gave a visa to to her basically support. teaching in the area. for a year. Uh so, she's not a US citizen. That's. kind of what I'm getting at. Oh, sure. Okay. Uh but Okay. So, but.

uh we're already engaged. and we're. uh. so, I got. She's on like uh Oh, you're engaged? Yeah, she had to go so, she still has to. go. Wait, what visa was she here on? a J-1. A J-1, okay. Yeah, and and a China. She's here? No, no. She's already gone. back back in July time. where? Back to China. To finish her master's cuz she has still. has another year of master's. You met. her in person though. I met her in. person, yeah. Yeah. When she was cuz she. was teaching here in America. How long. did you guys know each other before. getting engaged? Um 6 months.

Okay. Uh. I just I mean, you know, I just want to. just out of safety for yourself, are you. are you sure? 100% positive that this is. you know, for good intentions. I just. want to be protective. Yeah, yeah, that's always the first question. everyone asks. I know, and I feel rude for asking. I. really do. know, I know, and it's I I understand. where it's coming from. Uh yes, I we are. I am sure cuz. the original discussion was like I have. to go to China. Okay. But the problem is that uh their.

restrictions on being able to immigrate. to China is a lot Yeah, that's why their. population here is collapsing, yes. It's really stringent. Like you have to. have, you know, a. a bachelor's, you have to have four. scientific papers written, you have to. be 15 plus work experience, right? No, that country is destroying themselves. Yeah. So uh so the other the only other. conversation we were able to have was. that well, maybe you have to come to. America, right? But then that also comes. with a lot of complications, too, because now I have to spend $5,000 at. least on immigration papers, not. including potential lawyer fees. When.

you when she's here, you guys going to. live together? Is that going to solve. the living problem? Cuz she's going to. bring in income. Uh that's the hope. When is she coming? Uh so it depends on. the lawyer situation. Oh. Because. the her J-1 visa requires a 2-year All. right. 2-year, and then she can come? And and. then she can come, but. Oh, me. So we got to figure out your. situation. I don't give a about. that then. No offense, [laughter] that's. too far away. I need to figure out you.

now. We got to jump into these finances. we've been talking about setting you up. now for a bit. Self-assessment before we. jump into this first debt. Where do you. think you are on a financial scale, zero. being the worst, 10 being the best? Uh. uh I'll say two. Okay. Go on to your. hammer financial score. It's free, link. in the description below. If you have. any interesting situations, any. financial situations that you need help. with, and opinions you want challenged, feel free to come join me on the show. Go to CalebHammer.com/apply. So, US Bank.

Yeah. Now, that's an American bank. That's a bank of freedom. You owe. 3, yeah, this is one. 3,793. dollars and 77 cents. And these minimum. monthly payments, you in your situation. without having any money left over, 123. dollars. These minimum monthly payments are going. to stack. Yeah, that's only it's only one of the. US Bank cards. Why the Why?

Buddy, you don't have rent anymore, so. your expenses are a little lower. Why. the possible. Are you purchasing 108 dollars and 53. cents on this card that is accruing 82. dollars in interest that you're. basically just making the minimums on, slightly above, but why? Why are we. purchasing? The balance went up. Well. Oh. Okay, balance went slightly lower. Even. though you put 200 dollars towards it. cuz you got a payment credit. That's the. only thing that saved you. It went down. just a little. It went down? Just a little, even though you put 200.

dollars towards it cuz you're purchasing. on it. Why are you purchasing on a card. that you cannot pay off that is accruing. 82 dollars and 64 cents of interest? And. what kind of behavior is that? It's probably I needed food. So, this is the situation that you align. yourself in now because you do not have. a place to live because you're not. willing to get a roommate because you're. a child. I'm not a child. Well, adults sacrifice and get. roommates. Well, that's why I'm. sacrificing and living in my car. No, buddy, but that's not an acceptable.

option. That puts you in danger. That is. not what an An adult doesn't put. themselves in danger. I I don't see it as being putting myself. in danger. Well, I don't give a what you. see. That doesn't matter. That's not safe. And also it's unproductive to a lot of. parts of life again. Now you have to. shove like likely less than healthy food. in you. You always have to figure out. where you're going to put your car. Sanitation is a completely different. story. You got to stop somewhere just to. take a. And you got to brush your teeth. somewhere and shower and figure it out.

Yes. Acting like a child is not willing to. share a kitchen with someone. That is. being a child. I don't care if you're. offended by that. People are willing to share kitchens. I've had to deal with. really bad roommates. Yes. Bad roommates. suck. Yeah, and there's. That's the kind of people you would be. going to lunch with them a few times. There is a lot of things I've had a bad.

roommate and I've had plenty of good. roommates. Good roommates can be good. You might be. make lifetime friends with them, buddy. I know a bad experience like that might. turn you off from it and I do get that. Getting over that hump might be. difficult. But it is something worth at. least talking to people about. Fair. $1,000 we found places for $1,000 where. you could rent a room. with people. looking to rent a room. Yeah. So, well, you're paying for parking and.

I don't think we're shocked there. Auto. parts, so we're getting things for your. home, I guess. I don't even remember what that's for. Showplace icon. Uh movies. That's not. That's not I need food. That's not. getting food. You can't afford to the. movie go to the movies if if you can't. afford to have a roof over your head. But there's some movies I like going out. and watching. But it's not a. I understand it's a luxury, but it's. like I don't do it very often. How do you justify doing it all? The.

basic things that you have to take care. of. just as a human being for just any sort. of decency. There's also. I I can't say this for a fact cuz it's. going to determine on the. person-to-person basis, but a lot of. people lose their sense of humanity. when they find themselves in homeless. situations, which you are. I know you. consider your car that right now. You've. only been doing it for 2 weeks, but I. don't want you to lose that either. And. no offense, actually. I you. I don't give a A movie's. not more important than your humanity.

It's not. Okay? Starbucks. Coffee. I know! But you said it's just getting food. It's not just getting food. If it was. just getting food because you have. nowhere to make food, that would be. different. You're getting movies. You're. getting auto parts, which you might need. to get, and you're getting coffee? No! [screaming]. Child. When I said child, this is what it. means. And then wings out for $22, you.

could get cheaper food if you have to. survive. Get a sub for like five bucks. We're going to cooler. We're going to. thermos. What do you want for yourself, buddy? What do you want for yourself? You seem. content. You come here, you want you you. you want help, but you seem content. I. live in my car, and it's okay. What do you want? What are you trying to. get? I'm What do you want to do? I would. ideally want to. help a little bit with my situation.

Like, if I felt like I could afford. to do more, I would do more. I just feel like I can't. Feeling's not. a. That's not reality. That's not reality. I get panic attacks a lot. That's a feeling. It's not reality. My. body's telling me that something bad's. happening, but nothing is. I don't give. a if you feel like you can't afford. anything. Mathematically, if you're. willing to share a kitchen with. somebody, you can afford it. With your. $4,000, you know, 3,793,

it's you know, a thou- Let's say you do. 1,200, which there were tons of options. for. Tons of options, and we can send. you the link for after your. contributions, because you'd rather. contribute to retirement than have a. roof over your head. We can still get. you to spending 31% of your income. 31%, which I will accept on rent to get a. roof over your head. I don't care what you feel. That's math, that's reality, that's the world you. actually live in regardless of what you. feel.

You're an engineer. You live in the. world of science and reality. Numbers. are important, are they not? Yeah, they. are. So, this you're just choosing to be. ignorant. Which isn't ignorance then, you're just. choosing to be oblivious. Yeah, I wouldn't call it ignorance. Yeah, cuz you know. I do know. Yeah, that's yeah. You're obviously not a credit card. person. I had used a charge card more. like Fizz, helps build credit. But you have to pay it off. You're just.

not disciplined to be able to handle. these unlimited amounts of money to. spend without having to pay it off. You're just not. Okay, we have a line of credit through. This must be your checking account. Credit union, yeah. Yes, yeah, it's a. credit union. I I had a uh. Late charges. You're late. You don't even spend money. on rent anymore. Okay. Okay, you're choosing to move to the. movie theater over rent. Okay. But now you're choosing a movie theater. over literally just paying your. minimums. I will come back to the word child. again. Because that's what a child just.

chooses. Going and watching Thanos kick. someone's ass. is not more important than paying your. minimum due payments. I'm seeing. Deadpool this Sunday. I'm very excited. I can't wait. It's going to be a good. time. I can afford it cuz I'm paying my. payments. I I want to actually go see Deadpool. I'm yeah. Congratulations, make your. payment. [laughter]. Yeah, that's my plan actually is to go. see it later. Uh. Today What? Yeah, the later today, yeah.

I'm going to watch that movie. You don't give a. I I I do. You don't No, you don't. Oh, don't do. that. No, you don't. What a joke. No, you don't. You're willing to just go have these. luxuries. instead of literally pay a bill on time. You don't care. You wouldn't be going. and doing it today if you cared after. having a conversation with me. Uh if it. makes you Is that Is that the reserve. line of credit that's there?

Or is that. What were you going to say? I I was. going to say I actually use that uh to. uh cover not paying for the other credit. card on that account sometimes. Huh? So the. if there's not enough funds on my. account in that. credit union, right? The reserve gets. pulled first. Because it's going to go. negative. So it's supposed to catch. that. Yeah, and then you're not even paying. your reserve minimum payment. Yeah. So. that doesn't mean anything. Yeah. [laughter].

Yeah, that makes me feel so much better. And good job addressing the And laugh. all you want, but good job addressing. the fact that you're going to go. profound and have a luxury instead of. just literally taking them care of the. minimum thing in your life. You don't even have a response to it. I. I Not really. What are we doing here, man? This is like the most disappointed I've. been in a long time. And I'm sorry. I don't want to make you. feel bad, but so much of this is just.

your choice. If you were homeless. outside of your own choice, I would have. so much more sympathy. But you just. literally will not share a kitchen with. someone instead of paying your minimum. three payments on your bills that are. protecting you from overdrafts. And. don't get me wrong, there are overdrafts. coming, spoiler. But you go to see. Deadpool and then two other movies. spending upwards of $100 this past month. at movie theaters. What are we doing? That's why I'm disappointed. That's why. I'm having a hard time bringing sympathy.

right now cuz you're doing that. With. the ex-girlfriend thing, yes, that was. beyond your control. I'll feel sympathy. about that. That was also a year and a. half ago or whatever. So it's like, okay, that's not now. Right now you're. choosing this. So new wifey's going to. be coming over. And she's going to be. coming over to. uh when she wants to cuddle in the. living room, she's cuddling in your. trunk. No, that's. hilarious. No, that's not what I was. planning. I was planning on like. you know, paying some of this down to be. able to Yeah? afford by missing your. payments for going to the movies.

To be able to afford to uh. get a place for us. I don't know what. the normal monthly payment is. It's 55. now. But there's a past due. I think that. just got added to the balance. Of course, there's interest accruing. It's $518.71. is owed now. $500 credit limit. So, guess what? If you have less money, it's not going. to pull from this. You're above your credit limit. Yeah. $55 monthly payment. Gosh, I just. I.

When she was When was the last time she. was here? Uh she was here July 10th is. when she had to go back. So, she just. left. did you guys live together? Uh because. it was before July, uh we had I had my. uh old uh living situation. And then the last month of July, I spent. 600 bucks on a hotel for a week before I. before she went back. $600 for a week of. living when we now know if you spend an. additional $400, you get 4 weeks of living.

What are we doing? Well, at the time, what I was doing is I. was like, "Oh, a. place to rent is. $1,800 bucks a month. And then the hotel. was only like $73 a day. So, it's like. the same price. And I'm like, "Ah, I can. deal with that." How are you guys doing. this wedding? You're not going to try to. have like a wedding wedding, are you? Uh. Did you get her a ring? I got her a. ring, yeah. It was Please tell me this. was like a. pop ring. Ring pop. It was uh $2,500 bucks.

Uh and uh it was while we were on. vacation and I technically. Vacation? How are you And I had to. borrow $1,600 from my friend just to. afford to go to that vacation. Oh! When? Um. back in. March, maybe? June. Yeah, earlier this year. I don't remember exactly when it was. Real talk, man. Legitimately real talk?

Not even for [clears throat] the episode. or not even for whatever. This can be on. camera, this can be off camera, whatever. I can decide. This is I I I. don't You're This is terrifying. I don't. think you understand how bad this is. You are really walking yourself into the. fiery pits of just death. You have no. idea how bad this is. What you are doing right now. and just borrowing every cent of your. life to do that I don't know, man. This. I I don't think you realize how bad this. is. This is.

one of the worst overall situations even. though we haven't looked at like payday. loans or anything like that. It's one of. the worst things I've ever seen. You. cannot be doing this. You cannot be. doing this. All right, to be fair, the money I. borrowed from my friend was guaranteed. to come back to me through my company. Okay, so you were just borrowing a. future paycheck. You took out a payday. loan. Kind of, yeah. I I It was. different than a payday loan because it. was more like it was like an equipment. Buddy, it was more than what a month of. the [snorts] rent would have cost on the. what we just what what the site has. Dozens and dozens of options. Yeah. So,

I don't give a about that. What was. the vacation to? Uh it was to LA. All. right, let's keep filming. Oh, LA. Okay. I I feel actually kind of like gross. Like you know when you just kind of feel. like a little sick? Do you ever get that? When you like. maybe eat a a meal that's a little too. naughty, you just kind of feel you just. get a sense of sickness? Yeah. Yeah. I. feel that. Through this This This. grosses me out.

Why? Are you me? You don't understand what you're doing. to your life. The wedding ring, borrowing from your. friend a future paycheck, not being able to live with someone cuz. they use the kitchen? I I don't know. I don't know. It's like you were hatched. out of an egg or something, man. I don't. I don't know. Skin care can be a lot like finance.

It's something we all need, but a lot of. people have no clue where to get. started. I've been trying to level up my. skin care game, and my toilet paper fund. could barely handle all the different. products I was buying. It was confusing. and expensive, but then I found today's. sponsor, geology. With geology, all it. took was a quick 60-second quiz about my. skin goals to get started. They'll. create a derm-grade personalized routine. just for you, and before you know it, it'll be right on your doorstep. No more. trying a million products, chasing that.

glow up we all want. I've been. personally using their vitamin C plus E. plus ferulic acid serum, and let me tell. you, I've been getting compliment after. compliment on how healthy my skin has. been looking. And if you've been worried. about acne, dark spots, or just overall. skin health, it's worth a try. Geology. has over 10,000 five-star reviews and 35. awards. They've also received. recognition from Oprah Daily and Men's. Health, all around people entrusting. geology to take care of their skin. And. you can use my code HAMMER 100 for 100%.

off your first personalized skin care. trial set, and snag 50% off add-ons as. well. Scan the QR code on screen, or. click the link in the description below, and check out geology today. Your skin. deserves it. Okay, Amazon, this Amazon. card. The Amazon's the last thing I need you. to Where do they work? Do they even. deliver for you? [laughter]. I used to have a place. I know. Then you chose not to get one. And didn't use the extra money that. you're saving on that to actually do any.

progress. Great. You owe $1,415.70. with a $47 minimum payment. Oh, wonderful. Wonderful. Oh, we're making so many good. choices in life. We're making so many. good choices. You're purchasing an extra. $117.43. That was a That was for a gift for my. mom. Oh, wonderful. Wonderful. Yeah, her. son's homeless. I don't think you're getting a gift for. her. For sake.

$33.50 of interest is accruing. Are you. kidding me? Gift. Gift. Gift. Three different. purchases. Just like you told me with the last. card. Oh, I'm just going and getting my. meal so I can eat. Movie theater and all. the others. No. Here. Oh, I'm just. getting a gift. Three different. purchases. You have spent credit card. It says that you do not give a. That's what's pissing me off.

That's why I'm really mad right now. I'm. sad and disappointed for your life, but. I'm pissed that you don't give a. $3,482. out on this one and 19 cents. I haven't. been this mad in a very long time. $133. Thank you for not purchasing anything. Oh, but you're a. Oh, okay. No. You're approaching your. credit limit. It's probably cuz I don't use that card. very much, so it's just. Yeah, I don't think you're using any. card. Sorry for interrupting you, but I. don't think you're using any card.

That's okay. Let's keep going. A Visa through some credit All those. balances are insane. It's basically at. the credit. This is What have you done? What have you done? That's the card I I not only have but. most of that balance is from my cats. that I have since gotten rid of. What? What? What $10,000 cat do you. have? Uh I had two cats and it was 600 bucks. every 2 weeks for the first 6 months and.

then the one cat had to get eye surgery. What do you mean? For what? There's. shots and stuff. I don't know that's. just. the Wait, I have How many months every. How many months? Uh for the first 6 months of their. Every month for the first 6 months? Yeah, every 2 weeks for the first 6. months. Jake, you have a thousand cats. Is that. how it works? That's insane. No, apparently that's insane. For dogs it. was like three rounds of shots when I. got mine. What are you talking about? Yeah, that's what I was That's the uh.

Why didn't you adopt from a shelter that. like does the shots and usually does. like free community shots as well? What do you mean? You couldn't afford. this. That's so irresponsible and unfair. to the cats. Yeah, I I've I've since. gotten rid of them because I can't. afford them. Great. Yeah, that's even. more traumatic. Yeah. But I was already. already paid for everything for them. But next I don't know. I really don't. understand the every other week for 6. months thing. Yeah, I Yeah. I have not heard of that. That's what. the vet I took them to Were Were they. sick? Was this Were they getting shots. for something specific? A disease?

No, no. It was just generic shots. The. only extra expense that I got from the. cat was the $2,000 What What did you get. them from? Where did you adopt them. from? Uh I adopted them from a from a rescue. shelter. So, they're already spayed and neutered. I didn't have to pay for that at least. Really, the rescue centers out there are. Yeah, the uh when I returned the cats to. the shelter, the uh the person who's in. charge of the shelter was all like, "I. don't blame you for giving. kittens? They were kittens. Yep.

Uh she was like, "I don't blame you for. giving them back because you were pretty. much scammed by your vet." is what she. told me. Oh, why didn't you start with that? Why don't you start with that? Why don't. you. Okay. [laughter]. So, either way, $10,000. Um is that math. adding up even still? No, there's That's not all of it. That's. probably about $6,000 to $7,000 of that. was from the cats. Uh, because the other one was a previous. balance that was just on there. Get the rabies vaccination once, and.

then you get that I think every year. Oh, two two. Oh, wait. No, no, no, once. If they're an indoor cat, and then you. get. the initial vaccines, which are. in four rounds. So, what you just said. does not add up anyway. It sounds like. you needed five different rounds. Potentially, they're an outdoor cat, a. couple extra two extra doses of. uh the FELV. vaccine. Yeah, feline immune virus.

vaccine, yeah. Uh-huh. Which even still, I mean, that. does not bring you to the 12 rounds that. you did. Yeah, I I said the. Uh, I understand that now because, you. know, I I. I told the um. the shelter when I gave them back to. them that like I just can't afford them. They're like, "There's no reason why you. can't afford them." Okay, so you already. did it then. Why didn't you keep them? Well, obviously, I'm glad you did it. You're in your home. Yeah, it's cuz. they're all. don't know how this added up to $10,000. It was literally only cats?

No, no, as it it's not only cats. There. was probably an existing balance of like. $4,000 prior, maybe $3,000 prior to. that. Um Why didn't you have pet insurance? It's deductibles you can hit. I wasn't. aware pet insurance was a thing at the. time. There's insurance for everything. Uh, I'm sure there is. I just wasn't. aware that it was um a thing. Okay. UUW Credit Union. Yeah.

Here we owe. $9,851.63. with a $197. minimum monthly payment. Yeah, these. minimum monthly payments have uh. And uh, you know, they're adding up. [clears throat]. I do put more towards the minimum. monthly payments. Well, what I notice is you put just a. little more towards most of them. Just a. little more. But then you go and. purchase and ruin them. But you didn't. on this. What is the purpose of putting just a. little more on them across the board. instead of focusing on one? Uh I don't.

cuz. when I look at it. so. So what what I what I'm doing right is. that I see that and so they're like, "Okay, well, here's the minimum monthly, right? It's like um. $123." And then you go and they're like, "Now your percentage um APR or whatever. Now you're Now we're going to take $120. and then add it to your balance. And now. you're only paying $3 a month.". get that. But again, this isn't a debt payoff strategy that. really anyone recommends. It's either. pay off the smallest balance while. making the minimum monthly payments on. everything else so that you start, you.

know, snowballing the debts and collect. the minimum monthly payments that. traditionally go towards them and put. them towards the next debt. That's. called the snowball method. Or the. avalanche method where you're attacking. the highest interest rate debt while. paying the minimum monthly payments on. everything else. You attack one at a. time. Those are both the debt payoff. strategies that people recommend. No one recommends pay a little more. across the board. cuz you're not making progress. You're. not releasing yourself from the highest. interest rate one quicker. You're not. releasing yourself from the lowest. balance one quicker to collect the. minimum monthly payment there. You're not doing anything to make.

progress towards anything helpful for. the overall payoff journey. Yeah, I I realize. at you for that, but I do want to. correct that behavior. Yeah, I I realize. that and that's kind of like um one of. the reasons I kind of like reached out a. bit cuz I realize that I don't know what. I'm doing and I'm just making it worse. Yeah. Well, yeah, as you if you purchase on. your debts, it makes it worse. You're. not a credit card person. I want you to. have credit so you can get an apartment. and but I mean, you have other loans. I'd close your credit accounts. You just.

can't be trusted to have access to. credit. You can't be. You can't be. We need to improve your income situation. as well. Uh Not I'm not your income but. like the income versus the cost of. living. What are your retirement thing? Gosh, if you could move. Okay, well I don't know. That's not. going to be. You never got your bachelor's degree. That's fine. I'm always able to give you tech. certifications through Course Careers. but. for what you're looking to do. you know, I think that applies to most. people but maybe not you.

Okay. [snorts]. We'll talk. We'll think. I'm trying to have a little brainstorm. Uh that's at 18%. Yeah, it's actually one of the lower. ones. It's it's a little bit nicer. Okay, so we have a Hyundai. Yeah, that's that's another. Kona. Yeah, that's another beast. Uh. Huh? Yeah, uh so. It's another beast. Um. Oh, the balance? Is that what you mean? No, the balance it's it's the.

returning the car is going to be the. problem. because Returning? Yeah, cuz it's a it's. a lease, right? So I have to return it. I forgot. We haven't had someone with a. lease in forever. And so the problem I'm. having right now is that uh uh. the original lease was for 3,000 or. sorry, 3 2,000 mi. and it's currently sitting at. Or across the term? across the the term. I'm currently sitting at. What was the uh lease length? Uh 36. months. Okay. But I'm currently sitting.

at uh 38,000 and there's like a. longer is left? Uh October this month or. this year, sorry. October this year. Okay, what's your cost per mile? Yeah, see the problem is that it's like $1,500. per 1,000 mi or I think it's either for. per 1,000 or for a 3,000 mi. And how many miles over are you again? Uh I'm currently 6,000 mi over. So it's. at least. Whoa, whoa, whoa, whoa, whoa. Wait, how. many miles did you say you were at that. you used? Uh it's three. Sorry, 38,000. [gasps]. And how many miles were you allowed much.

32,000. Oh. Yeah. Okay. So, you think about 1,500 bucks? Uh or. 3,000 depending on how the How much more. are you using from now to then? Yeah. Oh, man. At least there's our uh uh And what are. you going to do about your. car situation, which is your living. situation, in October? I So, the two options I was thinking. about doing. was um.

extending the lease for a little bit. longer, which would basically just force. me to pay uh essentially what it would. be like $8,000 a month. Would it be at. the current. At the current value or at the perceived. value at the beginning of the lease. where it said the value would be at the. end? Um I'm unsure uh how extending. leases work. Um. Uh would it be an extension or would you. be redoing a lease? Yeah, I don't know. The The other option is Yeah, the other. option is to buy the car at for $26,000. So, that's what they valued it being.

Yeah. beginning Yeah. at the end of your. lease. Yeah, that's what I'm wondering. if they calculate the new lease off of. that or if they reassess the price. Um Yeah, and then so the other option is. to buy it at that rate. So, you're getting. kicked out of your house again. Yeah. Okay. Yeah, that's about right. No, it's not. But [clears throat]. No, it's not. the. Yeah, and then hoping that the um. the hope is that the dealership will buy.

it back for a reasonable amount that is. less than what I would end up owing. after returning the car if I do end up. buying it or hoping that they can extend. it. Yeah, I'm curious what the private. market value is. Okay, they're going to do it. What's the. condition of the car? Uh. It's used. uh because. What's the condition of the car? So. uh. it's pretty good. The There's some.

scratches on the inside. Yeah. Okay. Because of the tools and stuff I just. carry for work inside of it. What's the total mileage? Uh 38,000. How many miles do you think you're going. to put on it towards the end of the. Doesn't matter. Okay. We're going to. figure that out. I'm curious. Yeah, you might have to redo the Yeah, but this is $521 a month. I mean It's a. lot. Add these all together. These are what's. you. Why do you feel that you can't. afford rent? $521 a month, $197 a month, $133 a month, $47 a month, $55 a month,

$123 a month. No sh- Feel like you can't. afford month rent. You put everything in. your life on debt and now you owe the. minimum monthly payments of it. And you're going to owe $1,500 to $3,000. Yep. for the extra miles. Yep. This is. keeps going, man. This is just like uh. rabbit hole of debt, I swear. Yeah. Okay. Your car situation, man. And you might have to look out of that. area specifically cuz sometimes areas.

like that can be a little more. competitive driving some used car prices. up. But we might be looking for a. $10,000 car. Yeah. Bite the bullet and. pay that extra thing, but get rid of the. $25,000 cuz financing that would be. rough. Um cuz obviously you can't pay for it in. cash or leasing it again. But again, I. don't know what they're valuing the car. at. I don't want us to get in a rough. situation. And. with that, who even knows what they're. adding in fees and everything into the. lease. Um.

for you. Yeah, the the other bad thing. about that car is the insurance cost is. like $180 a month. It's not the worst. worst, but it's high. Yeah. My old car. was only 76 bucks. Okay. You might get lucky with the. As trading, can you give me private? Like 24. Hm. It's about what So, that's what it is. Well, in terms of value, it wouldn't be. the worst purchase or lease to do if you. get it at that. I'm just afraid that.

your lease will continue to be a monthly. payment that you can't afford. Or. your car loan's going to be so bad that. the interest rate's going to be like the. 15, 20, 25. percent range. And you'll extend it to like 8 years to. try to make it affordable, and it would. just get so bad. I don't know. Uh, if I get a. If I get a car loan, I'm hoping that the. UW Credit Union would give me one again. score? Uh, it's 625. Good luck right now, man. I mean, you'll get a car loan. Yeah,

probably from Ally Bank, which is. ridiculous. get a predatory car loan. Yeah. Uh, my first car loan I got was. uh, 27%. car loan. And I had it and I basically paid for. that for 2 and 1/2 years, and it never. went down because of the interest rate. It never went down. And so, I ended up. uh, going to UW Credit Union, and they. ended up giving me a 3.99. And then paid off that car. Wait, sorry. We have a little bit of confusion. Did. you say 1.5 thousand to 3,000 per. thousand miles over? I think it's or.

total. I I think it's uh, I think it's. every 3,000 miles, it's $1,500. Okay. I cuz I don't remember it's. depends on what the contract says. I. wasn't sure if it's 3,000 or 4,000 miles. is an additional cost. Got you. Okay. Yeah. The Apple, it's another huge balance. with a huge monthly payment. Yeah, that. one the um, is killing me. $5,793.57. with a monthly payment of $191.

Gosh. This feels like one of the This feels. like one of the most insane episodes to. me, but I swear I can't tell people that. it's going to be one of the most insane. episodes cuz this is like. I say that. I've said it so many times, and it always ends up being true, and. I'm just like, "What is happening? How. does this keep happening? What is life. right now? And I'm sorry for you that you. I am sorry that you're going through it. So many of it is your own choices and. that part I have less sympathy for, but.

I am sorry that you are going through. it. Minimum monthly payment, 191 and the interest accruing at 27.24%. interest rate is $132 a month. Kill me, okay. Yeah, that one. That one's really killing me, too. Yeah, so $3,000 is what you're going to have. to owe to them in October. That's. interesting. So. interesting. They'll come hunt you down. and they'll take that vehicle. If you don't.

return it. Uh. They might send that extra to. collections or something. If you don't pay it. How were you planning on paying for it? I was hoping to get a car loan, but just. probably predatory car loan and I was. hoping that they're going to roll that. extra 3,000 into it. Or I guess if you. buy out the lease, you might not have. You wouldn't have to potentially. Yeah. Yeah, I think I was a little over on. mine as well, but I paid out I had a. lease on my Jeep on when I very first. moved to Austin. It wasn't It was like. the last bad choice I've ever made with.

finances. Thank goodness. Um but I bought out the lease almost. immediately, so it didn't matter. Yeah, if I can if I buy out the lease. and then just resell the car, it should. get me back to where. No offense, but in. Why do I keep saying that? I don't care. if you're offended. [sighs]. I just wanted to I just want to give it. straight at all times. There's no point. of. stepping around. Um. you live in Silicon Valley, you live in. that whole Bay Area. I know for a fact.

that you could live in a place. pay this $3,000, call it good and bus. bus everywhere around the valley. Oh, yeah. Yeah, there's a Get rid of the. car. The. the public transportation in the valley. exists, for sure. Uh the some of the. problems are is that it's kind of. expensive and it takes a a long not. expensive compared to a car, of course, right? Cool, then I don't give a. But it takes a very long time to get. anywhere. Obviously don't give a about that.

You don't have money. You're literally homeless. I don't care. You're. a yet really homeless. $104 in your checking account. Yeah. That was after I purchased the the room. for. was stupid. Uh and that's also cuz I. Buddy, this is insane. Oh my what. are we doing? Yeah. PayPal and $135. Fork uh able Amazon purchase. Yeah. Go. inside of a gas station, get into bull.

some chocolate. Uber trip, you have a. Why do you pay it an infinite amount of. money for? I can't pay for it. Going to. a restaurant, paying for Spotify ads. You can't afford to put a roof over your. head, listen to your ads. Caribou Coffee, you're not getting. coffee. Starbucks. Maybe a restaurant right there, an Apple. bill. Home eat, ride to. uh. PayPal and Mountain something in that. area. I don't know, it's so hard. Why. are these cut off? $48, Venmoing out. Oh.

That was 600 was that. for me paying back. Yeah, I was paying. my friend back. Jeez. Apple bill, why do you have so many. in-app things? Yeah. This is insane. For someone who cannot. afford to pay their. minimum on their. that one of those debts. Yeah, it uh. they're they're just phone games. Great! You're not doing that. Play the game of. life where you exist and make progress. Apple bill, Apple bill, in-app. purchases, ding ding ding. Cinemark, we're spending more on movies. Starbucks, Amazon, Forkable, Taco Bell,

Forkable, Teaspoon, KFC, Outdoor Supply, Expedia. you, Expedia, buddy. No. That's not a choice. You're not. flying. You're not traveling right now. Apple bill, Taco Bell, Zelle instant? You're instant. transferring? Oh, you have to pay extra. for that, don't you? It's like five. bucks. Yeah, you don't have money. Overdraft fee, overdraft fee, overdraft. fee.

And Zelle instant. And this ATW credit, qualifying. services, $10 the fee. Fee there. $100 in overdrafts. Guys, accidents happen. And when your. pet gets really sick, it can be a. financial nightmare. From eating. something they shouldn't to serious. illness like cancer, the vet bills can. add up fast. That's why pet insurance is.

a game-changer. It means you may never. have to choose between your savings or. your furry friend's health. That's why. I've partnered with money.com to bring. you a list of the top five pet insurance. companies. I feel so strongly about. this. I don't care which one you pick. Just promise me you'll get covered. Check them out and find the best fit for. you and your pet. Click the link below. to secure your pet's future and gain. some serious peace of mind. Don't wait. until it's too late. Get protected. today. Good.

We'd rather play in-app games. and overdraft on our money. than have any care for our future. Like, I don't know what to do with that. If you'd rather play If you'd rather go. to the movies and play in-app games, like, what the. I do. I am not your solution. I can call. you out. I can let you see what your. situation is. I can put together a. budget. And you're going to go through. the budgeting program just like anyone. else who's on this show, which is really. exciting. You can go through that, go. through the investing program. It's all.

bundled at a lower price right now. But. It's like what can I do? It always gets messy when. the. papers go flying. Miscellaneous was 13% of spending, $8,602. foods, $225. Unknown shopping, really hard to tell what it is, whether. it's going to gas station or into. Amazon, tons of Amazon. $698.

or 10.5% of your spending. Other large. purchases, $3,000. Kill me now. So, other large purchases were. PayPal and out. Oh, and then paying your. friend back $1,600. Expedia, that was. dumb. Zelle and out, $748. And Extended Stay Hotel. Okay. I want to I want to. I want to help. What can we do? Do you have any.

other. minimum monthly payments that we do not. see? Uh I don't have any other minimum. monthly payments, but I do have a. failing-ish business uh for shirts and. t-shirts design. Uh I just I give about. $300 a month to. uh. five part-time workers in India. What? Yeah. For what?

Yeah. For what possibly? What are they doing? Well, it's uh for like expenses for like. Shopify, for. uh some like Who's buying your clothing? Right now, we only had like three. purchases. We're That's why we have to like spend. money on advertising. This is premium. t-shirt designs, ladies and gentlemen. Our new dirty money V2. You like that. plug? Look at that. Look how you set me. up for that. Who knew that was coming? Me. That's crazy. $300 a month for what? What are these designs? What do they.

look like? Uh they're like uh. like some of them are anime designs. Uh. some of them are. Do you own the rights to those anime. designs? No. Oh my death. What are we doing? Stop. this. Stop it. Stop it. Done. Cancel. Ended. Burn it. This isn't a thing. Not right now. Yeah, it's not even your own. dude. Like before you get sued just. stop. You can't afford this. You're losing. $300 a month and you sold only a couple. things for. No. No. No.

K? K? Can make money in the future. You're not. You don't Buddy, you're homeless right. now. You have no money. You are missing. your minimum monthly payments. You are. overdrafting on your checking accounts. You can't do anything. You had to put. yourself up in a hotel when your future. wife was here because you don't know how. to not live in the backseat of your car. I don't give a sh. If this makes future money, that's. great. You do that when you're out of. debt, you have a fully funded emergency. fund, and you're contributing enough to. your retirement, and you're able to live. within a 50 30 20. You are not doing.

this. You sold three designs and they're. not your designs. You're going to get. sued. So, I don't give a sh It might. make money, but guess what? They're. going to take it. All the people who own. the designs. Fair. I. Oh my f. Oh my. And now my producer is telling me.

Oh my. that you're Oh, the amount of money. you're about to spend. on a China trip soon. Oh, yeah. All right. You know what? I think we're going to save that for the. post show cuz I honestly cannot take any. more in this moment. And that's not even. a part of your bills, but. Yeah, he knows more information that. he's going to bring in. I I want to look. at your finances now. We'll talk about. that in the post show. I'm going to create a budget for you, but I have This is the least amount of. hope I've had in a long time. And.

maybe I look like a piece of for. that. That's fine. I'm like I'm destroyed. right now. I don't know. Just the way you're living. and your lack of care and I don't see. anything. happening. So. [clears throat]. Wow. Okay. Housing is nothing. But. I don't know. For your food budget, it's hard for me. to tell cuz you're in like a weird food.

situation. We'll give you a little more. because of your thing, but try to have a. cooler the best you can for $100. TP. fund, I'm going to give you a little. extra $200 cuz you're going to have to. go into places and to take care of. yourself and all this stuff. Are there ongoing [snorts] co-pays, medical expenses, anything? Oh my gosh. I completely forgot. Uh Oh my gosh. I'm. going to die. Uh yeah. So, I got into a. motorcycle accident. back in October. Had two surgeries. Yeah. Okay. You okay? Oh yeah. I'm mostly fine. I saw I have.

to get a metal plate removed later, but. mostly overall okay. Okay. However, uh. just this last week, I received the. first. bill from the ambulance ride. Only $580, but it is $580. Uh I have not received a bill for the. surgery yet. Uh nor have I received the co-pays for. my insurance, which is a $4,000. if I recall correctly. How much was the ambulance again? That. was $586.

Okay. I think. we will be able to pay. for the ambulance by. you getting off the. ambulance and living with the roommates. and getting rid of your car, and taking. the bus. We can do it. We can do it. How did you get in a car crash? Oh, I was. just riding my motorcycle and there was.

I basically just crashed it myself, I. guess, is the best way I can say it. Um cuz it just happened stance that I. ended up just. losing control of the motorcycle and. crashing it. So, do you have co-pays and. coming up on going? Uh I'm going to, but that's the good. thing is is that it is only. $4,000. It could be worse, it could be. 16. to figure out your monthly budget right. now. I know. Okay. Subscriptions, no, not even close, not. for a second. Savings, I.

wouldn't. I'd only take your match if. even. Gym? No. How are you showering? Uh there's. actually a shower in my workplace that. is attached to my. um What's your phone bill? Uh free right now. What do you have no excuses to be. missing these payments? This isn't even. a budget. This isn't even a budget, man. This isn't even a budget. You have no. payments outside of I'm going to figure. out your minimum monthly payments, I'm. going to tell you what that is, but you. have enough money. It's a joke. It's cuz. you're spending everything around.

Choosing luxuries. Not even going to. It's nothing to make a budget for. $1,267. a month plus your 170 or whatever and. your car insurance. Include that. all against everything. You have an extra 1,500 left over right. now. Start just tackling the debt. You could. take care of the UW credit, you could. take care of the ambulance, and you. could start putting money towards the.

uh Amazon card or we're stock piling. till we get $3,000 so we can pay off. that lease and then take the bus. Buddy, there's so many options here. It's. literally just being a child. So, I'm. going to use this. I'm going to use this. as an option as. opportunity to I want this to be a. wake-up call more than anything. You're. really just acting like a child. You. have plenty of money left over because. of your current situation. You're just. using that too cuz you put in luxuries. and things over it. You're just you're.

being dumb with your money. Um. like and then you want to go to China. and all this stuff. Okay, whatever. I. don't know. I want this to be a wake-up. call. It's not like a budget I can make. for you. I mean, you have an extra. $1,500. Uh stockpile that so you can pay off. your lease, take the. bus, and then tackle everything from. minimum wage. And then you'll have like. $1,000 left over because you'll have a. little bit more in rent, but you won't. have a car payment or car insurance. So, you have $1,000 left over. Okay, pay off. your debts smallest to largest, pay them. off. You could be done with these debts. and.

couple years. You could be done with. these debts in a couple years. Able for. a fully funded emergency fund. Let's. call it conservatively 3 years. Okay, who cares? You're 32. Then you're. contributing a decent amount to your. retirement. You no longer have $1,000 in. debt dumb payments. So, you can actually. live for afford to live in a better. place. And at that point, your wife will. be here. You guys can afford to live. together. You have a golden opportunity. It's literally you're just choosing to. up. So, I I I don't know what else to say. And a.

lot of what you said towards the. beginning really upset me. And I'm. really upset. So, we're just going to go. into the post show. And hopefully, my. producers are going to come in and. lighten the mood cuz I don't want to. die. Hammer Financial score. of. Can't even think of anything joyful or. funny to make. Obviously, it's going to. be a zero out of 10. Make sure to check. out all resources linked in the descrip. Actually, you probably have retirement. We just don't know what it is.

That would bring your score up. But you. don't even know what it is cuz you don't. know how to check. So, Hammer Financial. score for you. Everyone stick around for the post show. You can join the membership in the link. in the description below. We have a lot. of extra fun things there, fun unlike. this. And you can. also check out all the resources linked. in the description below. They're what I. use or would use in specific situations, including the best budgeting program and. best investing program in history of the. internet. All put together for a low. price.

Post show. Today on the Financial Audit. Post Show. I have so much more fun. gooning in your own house than your car. Caleb Yeah, sometimes doesn't even come. in to work cuz he's busy gooning at home. cuz he loves his place so much. And then. and then when I do get out, I continue. the goon session. The car, and the. office. What do you think has been. happening this entire recording? We. can't talk to Caleb before 1:00 p.m. because he says, "This is my goon time.". And then he locks the door. And then To watch the Financial Audit.

Post Show, click the join button below.