The Most UNHINGED Financial Audit

you're admitting this online right now I. am it's a conscious clearing thing the a. million warnings we gave you before. coming on here yeah what the fck are you. doing well hundreds of thousands of. people are noticing you now I want to be. noticed by you too don't make this weird. I'm not trying to call you Hammer Daddy. but now it. is download my new simpler budget app. today and take control of your money. once and for all hey this is Justin um. this is financial audit I'm 30 years old.

and I'm an airline mechanic and this is. financial. audit welcome okay a little out of order. there but that's okay just don't don't. mechanic my Airline and we'll be fine. sure that's the most of my life to be. honest well usually people don't say. what did you say there you're from Tulsa. Oklahoma you messed out something but. that's fine uh okay so airline mechanic. yeah how much you making did you say 30. yeah I'm 30 we're one year apart my dude. no no no I'm 30 and like half a month.

you're graying yeah I mean shoot that. this will be you in about one more year. bud when did you start graying I I think. I was like 20 22 21 okay well that. sounds like a you problem then okay so. what do you make in this airline. mechanic living um I make 80,000 a Year. woo and in Tulsa not too bad it's not. necessarily known for being an. aggressively High Cost of yeah we are. the top 10 lowest uh cost of living wow. so $80,000 yeah does not explain this.

stack of insanity honestly haven't had a. a big stack like this in a while I've. had quite a few small stacks for a bit. and this is insane the things that are. in here that we discovered and just. chaos Beyond chaos Beyond chaos it's. going to be it's going to be an. interesting one how the well I can. explain all that man like well before. that just how are you doing how you. living 80,000 hours how does it feel. Tulsa not very good I'm back at my mom's. house I have to like move back in 80.

yeah if you really want to like buy a. house nowadays you got to like think. about like lowering your cost some so is. that what it is it's literally just. trying to be savings opportunity that. and I up and and uh and losing my job. over a thing because I made an unsafe. condition the $80,000 job yeah the I. asked what you do for a living you said. this not this job I was the last job at. uh at in Oklahoma City and and they were.

only paying $31 an hour so I feel like I. did good by [ __ ] and falling back into. this job okay well I'm glad you make. more I mean I would have rather you had. just changed jobs but okay so you're. saying it's a good thing that you got. when did you get fired I got fired in. September or right around September okay. why of unsafe condition I yeah seem. trying to trying to push a plane out.

without uh doing the proper channels to. what the yeah you should be fighting. honestly you shouldn't be hired again. yeah but yeah o but good thing is is I. skipped ahead through my stuff to before. they could somebody could do a reference. on me to get this next. job buddy I'm going to call out a couple. things real quick yeah just just a a. couple. things one breathe through your mouth. because your nose whistles.

two as the a million warnings we gave. you before coming on here you know your. current employer is probably going to. see this yeah yeah which by the way we. also ask hey what can we not talk about. whatever they decide not to talk about. we don't ask a second question we just. don't talk about it what the are you. doing more along the lines is I was. doing an inspection did everything was. supposed to pull circuit breakers I did. it without pull in the circuit breakers.

which I still was able to do the. inspection but because I was in. probation they were like hey you can't. do that in the future you need to you're. admitting this online right now yeah I. am it's it's a conscious clearing thing. sure sure sure sure sure sure yeah clear. clear those nasal Pathways. yeah all right man well very bold and. brave of you again if people knew the. onboarding process the amount of. opportunities you had to not do that. okay cool so why are you struggling you.

said oh there's a reason for this and. that and this and that so you moved in. back with your mom in September uh about. September October I got a job at uh at. an. airline uh for general aviation and then. I fell into this next job fell into what. does fall into whereas like I didn't. really like the job because it didn't. fit me bad good enough and it wasn't. paying me fast enough for what I wanted. fast enough because I knew in my.

industry that I could get paid more by. going they weren't paying you enough not. fast enough okay yeah but for for me to. because my Grandpa died and that's why I. was like I need to get by his house and. stuff need to by his okay whoa there's. so much to impact here bu you were just. you were laying it down you were just. like massive things when did you move in. with the mom September September. September you moved in with the mom as a. 40-year-old 30-year-old moving back in. with your mom okay yeah.

with my soon to be. exwife yeah soon to be in. sept what's going on there so before I. even took all my tests for all these. stupid oh my career is not stupid but. well I feel like I would actually like. you to pass the test When people's lives. are in your hand yeah I I fing out. Google forms yeah is that she decided. that she wanted to feel independent and. be independent and be like I we rushed.

into it and be like oh don't want to be. with you anymore maybe she wants to fly. without crashing yeah most people do. okay I mean you you only get to do that. once in your life I don't want to be the. person that uh that makes you feel that. way yeah know one fly out of Tulsa oh my. my fleet's all across the nation that's. what I work on oh comforting I'm a. maintenance. comforting you know what's really. interesting because this conversation is. crazy even my producers are giggling. right now it's like I keep seeing people.

ask like is the show fake no this is. reality we are in this no it's okay you. guys can laugh it's okay they they just. they equally cannot comprehend what is. happening right now but I'm spewing I. know you're spewing yeah I I I feel it. and hear it it's happening right. now okay so how long were you guys. together uh we were we're 3 years in. February and she decided.

in February of last year so about to be. four okay so you guys were basically. four years together when you guys when. did you get engaged uh we got engaged. July before that year uh so in like 2021. we lived through covid together and all. that stuff this rough time to be dating. and like getting together with someone. so moving in with Mom she wanted to be. into well honestly okay I mean hear me. out this is I this isn't coming from a. place of judgment I'm just trying to put. myself in her shoes if well what's her.

career what does she do for Liv uh she's. a part-time clerk at a uh okay so she's. not the bread word winner of the. household if I'm not the bread winner of. the household and I'm marrying someone. who is and I feel like that person keeps. getting fired because people are going. to crash and burn and die and uh he's uh. a 40-year-old 30-year-old moving into. his mom's place and taking me with him I. might seek some Independence as well. yeah especially since I before that I. had had gone through four different jobs.

I thought you were going to say. divorces four different jobs in how long. uh say again four different jobs in how. long go ahead take a. swig uh within one. year how how Okay so the $80,000 that. wrot Down's exciting how confident are. we going to keep that uh pretty. confident um I why are you feeling that. confident because I've learned my. lessons since the the OKC job what you.

learned your lesson to do your job yeah. and not to skip steps even if I have a. new job once a quar or two my hairline. would be the same even if the it's more. along the rules of like how the um the. culture is within that type of place. where they want to push the plane out as. fast as possible that's why of course. they do but that doesn't mean they're. they obviously have the standard which. is why you were fired yeah that's why I. didn't make it past probation but what. makes you think you're going to stick to. this now holding myself accountable and.

knowing that I have gambled everything. to get to this job what have you gambled. cuz yeah this is man this is thick a lot. of that is living expenses like having. for my apartment toay you live mom well. my apartment when I was has she moved. out no uh so you guys are living. together with your mom as ex fiance and. neph. nephew okay in a very like 12200 foot. home with bugs and all the other.

stuff yeah what bugs what like there's a. cricket that you have to smash every. once in a while or you saying they have. they have [ __ ] in their name and uh. some some have beds in their name and. and why are you still there you make. 80,000 why is she still there uh because. she doesn't want to work extra hours. yeah she would rather sleep with bed. bugs and cockroaches than work extra. hours she wants Independence but she's. not able to work for her I think she. need to come on the show maybe we'll.

call her on the post show that's when we. I've tried to do the whole stick of like. how you do your show to her and she's. like don't tell me how like that don't. you Ian come on yeah I get it it's just. I. mean I don't I don't like I'm just. trying to think like how would I take. that conversation coming from you I'm. sorry well I'm just trying to follow I. was just trying to follow the formula. well also you have to remember you can't. just have that conversation with people. I don't walk up to people on the street. and have that conversation we have. people that are volunteering weeks in.

advance like trying to have that. conversation if you're just going up. there her you fing B like I don't think. she's going to be very receptive here. eat this cockroach woman well she I mean. I've even tried to get her to push her. to go take her test for cyber security. which I even I had a why is she taking a. cyber security test she works at a gas. station what would you mean because she. wants to do cyber security and move out. and be like her friends but does she. have a degree or certification in cyber. security yeah and I even had to push her.

to go do that like I had to poke and. prod her maybe you should have left her. she sounds like a low life like a never. achiever and who can be around that I. would you're kind of like you don't have. the before I was on what I am now I um. on yeah I take a medicine for. anti-anxiety I got I okay I do too it's. called Celexa yeah I'm I'm V flexing so. oh is that a medicine yeah okay and if. is like desperate for to be noticed and.

like feeling like so you're just saying. because you got one because you got a. lady you got the wife that like okay I'm. just going to deal with all the [ __ ]. yeah how' you getting all this de other. than obviously being fired once a. quarter spiring in the Navy of getting a. credit card thinking I was going yeah I. was when were you in the [ __ ] Navy I. joined out at high school how many. layers are in this thing uh ogre a lot. of a lot of layers.

yeah yeah enough to make someone. cry so um yeah when were you in the Navy. was the question I I was started out in. 18 um I did that 18 2018 or 18 years old. I was 18 years old I asked when were you. in the Navy I was 18 is not a DAT 2013. to 2017 yes yes we are about the same. age that actually makes sense let's try. can I can't do that math okay to till.

when I'm sorry uh to uh 2017 I did four. years um and the spiral started in the. Navy but you ended in 17 that's so long. ago now I'll be honest it's it kind of. spiraled into like when I was 16 and I. got my first car and I did modifications. okay so now we're going back to 16 yeah. is well I mean I'm be honest like if I'm. being honest here it's just um I would. like that is that it was when I was 16. my mom took my dad truck away and gave.

it to me and I was able to start. modifying it and get into and make it. look cool and try to be noticed and. stuff by girls and stuff what is with. this be notice thing uh I like going on. dates too dates are super fun well I. make always jokes about it but oh it's. super fun to go on dates but what's up. with this this like like incessant need. to be noticed and willing to bet your. entire financial future on it that's. actually that's a that's something we've. not had on the show ever as far as I. know is because I feel like I need to.

compete between my brother and my my. sister competition uh to be noticed by. my mom and my well my dad left me but or. he didn't left me he came in and out of. my life he's just getting some. cigarettes at the store it's okay it was. more beer than anything and then the. beating but. yeah hold time I should to giggle at. that this conversation is just wild this. conversation that's not funny that's not. funny that's I'm very sorry you went.

through that I'm giggling more of the. absurdity of this conversation it was. against my mother me watching it okay. buddy I don't the way you say this is. just I'm not laughing at the situation. I'm laughing. at just the way you lay these things out. you're just so just I. okay well hundreds of thousands of. people are noticing you now I hope makes. you feel. better uh so comp so yeah we don't want.

to be noticed by him he's a piece of. [ __ ] if he ever comes back and call me. over we'll beat him up together he's. a well I mean the whole thing I want to. do is just I want to be noticed by you. too don't make this weird I'm not trying. to no no no call Hammer Daddy but now it. is weird I don't have a filter I just. keep going I don't have a filter either. but I don't go around calling people. daddy it feels like nowadays you need a. phone for everything so have you ever. looked at your phone bill thought this. is more of a nightmare than a necessity.

yep me too but guess what thanks to. today's sponsor helium mobile they're. here to change the game first off can. you imagine not paying anything for your. phone plan with helium's new zero plan. that's exactly what you get we're. talking 3 gigs of data 100 minutes and. 300 texts every month for absolutely no. cost perfect for anyone who's tired of. overpaying and just needs the basics. without the fuss now if you're someone. who's always streaming or scrolling like. me you'll want to hear about the airplan. for just bucks a month you get a. whopping 10 gigs data plus unlimited.

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mobile for sponsoring today's episode. let's get back into. it all right son so let's talk about how. you. are did your. mom. not I'm not gonna let him sit on my lap. guys it's not happening you're giving me. stuff at the end anyway 17 minutes in. and this. is okay I appreciate your existence uhuh. well you're the first one to say that no.

stop I mean my dad didn't I know that. but that's good good that's. good you're very forward you're very. unfiltered I like that it's rare it's. rare a lot of people kind of Reserve. themselves on their show um well. everybody thinks I'm a little on the. Spectrum but a little so thanks to this. insurance I might be going tested after. this that I finally gotten this year you. what I finally got insurance after six.

years of not having it it's probably one. of the reasons why I was like all right. whatever Spectrum on let's try to stay. on it instead of jumping into another. one this I we need to we need to. like stay on this path stay on this path. breathe through your. mouth do I talk to you now about Bond. ladders or do I talk later about Bond. ladders I've always want to know what. your opinion was on that or do we you it. $111,000. bad debt yeah [ __ ] Bond ladders I well.

I'll get out of it soon I know I can I. me I'm making 880,000 you are making. 80,000 but you know I I want to be clear. this is not an income situation I'm. struggling uh to find a way to like get. into this conversation cuz you're. interesting but like I keep trying to. understand you a little bit more but it. just keeps unpacking unpacking. unpacking did your mom not pay attention. to you very much. uh she had to deal with my brother going.

to juvie and then um going. to in and out of prison and having is he. in prison right now no he actually owns. a dispensary up in Oklahoma he's doing. pretty well he just got married hate him. but well you almost got married. too almost you hate him because he took. the attention away yeah and some other. things attention we've gotten in fight. and stuff to therapy uh I did I have.

gone to therapy buddy buddy I'm sorry. you desperately need to go to therapy to. unpack this I've done a lot of self-help. stuff too and reading and trying to help. and and everything you need talk to a. professional s mine it's our partner for. guests and for the audience and for. myself you get three free therapy. sessions thanks to them thank you. sandmine please see them and I can get. you I can get you we'll get you a cyber. security Tech certification through cour. GRS I think they have that for your ex.

so that you can get out of theing house. and be an adult already got the certif. CER certificate and okay and she has one. of the licenses but she still won't will. enough to work. to to even go so a lot of this stems. from the need to get attention is that. what we have learned in the 20 minutes. of this conversation is that we package. all this down is that what we are. learning we started with the car pumping. running into a car what kind of car at.

2013 uh 2010 so that was a Chevy. Avalanche and then so we're pumping. money into a Chevy Avalanche so that. girls see us so that mom sees us and you. said your sister took detention away. from you too so what was what was up. with your. sister uh I feel her is more of The. Golden Child and so she's a nurse at. anesthesiologist now cool but back then. yeah uh were you do you feel like you. were ignored uh well because my mom. basically had to be at one a single. parent taking Dad yeah that's very.

difficult yeah and having to work night. shifts to afford all three of us with. the whole bail and everything of my. brother so you got noticed by this girl. how did you meet this girl that you're I. guess breaking up with haven't because. she lives with your. mom yeah uh that's I met her through. work as an I used to work with her at. the local uh gas chain Quick Trip u in. Tulsa yes the local gas chain yeah well. that's where it started with Tulsa okay. I actually was suggested to her by my.

mother and everything that's like to go. talk to her and. stuff she wasn't even on my radar until. my mom said. anything okay we might call her on the. post show this is weird we got to get. into these finances man um this is so. such an interesting episode breathe out. of your damn mouth your nose makes. instrumental sounds okay okay give me. where you think your finances are 0o out.

of 10 zero being the absolute worst 10. being the absolute best what do you. think you are uh zero okay that's. reasonable if you want your Hammer. Financial score see where you are. assessed at we'll Link in the. description below or just Caleb. hammer.com and you can come on the show. as well uh if you're as forward as this. guy definitely feel free we'd love to. have you down here in Austin Texas go. through the onboarding process all the. good stuff it's a good time go to Caleb. hammer.com. slapp which by the way you know uh we'll. get you hooked up with things so I'm I.

am glad you're here I know it's been. I've been meing on you a little and I. appreciate but thanks for being here. thanks for taking the trip from Tulsa. really do appreciate it and hopefully. we'll get you on the right path yeah cuz. that is the main goal here yes who. yeah huh it's a saying in the military. it's just like a to go with it like hey. thought that was a Marines thing no. that's Ur ra hya is Navy or is like how. I learned it I might be just picked it. up somewhere else.

all of out of your mouth all all of them. have a little like let's go. saying M what is M this is a document. called m m is is mercury uh it's a it's. a credit. card uh it was I got it during my time. at You detracted me so much that I. forgot to even ask you like what hits. your account on a monthly basis uh my. what goes into my account on a monthly. basis is is 5,000 a month uh and then on.

when did you get this job because I do. not have that I have 1,839 that H. through payroll I got it in December uh. we just got a through our Union so. $5,000 a month yeah through our Union. contract we make 2500 every two weeks. now okay $5,000 hour a month yeah net. yes and now on the month by the way that. you made. 1,839 let's just say that's let's just. say you bring in the 5,000 that's okay. what what did you spend in the month. breathing through your mouth uh it was.

well it's a I I doubled down instead of. doing 5% or matching my company I put 11. that's why it's eight that's not. calculated in your spending I'm asking. how much you spent in the month that. we're looking at I would say about 22 to. 2400 yeah you spent $. 7,766 so what the are you talking about. I I don't know obviously have you ever. made a budget in your life no because I. why cuz I've always had either something.

to fall back on like the Navy fall back. on your fall back you know the things. that came in you know we actually had. money coming in. 6,341. 1,839 of it was your income guess what. the rest was personal loan acorns. deposit earning dis dispersement credit. fresh funding Lending. Club cash app loan draw down yeah uh so. what the you talking about things to. fall back on you brought like a th000. personal loans in one month well that.

all all. all while spending $670 going out to. eight is that my fiance just broke up. with me I'm going to go Gorge. miscellaneous bull this could be video. games it can be whatever was. $929 it's more along the lines like I. have I just want to go out and eat I and. when I and eating at the cafeteria at.

work and. stuff be because we're in a food desert. and I don't have and I forget to pack. Tulsa yeah the entirety of Tulsa is a. food desert uh the where my base is uh. your base yeah the the air the airline. base of we'll bleep we'll bleep it out. what's the airline Base. called to us. like 8 minutes to drive anyway like this. is not that big of a city two Aldi is.

not that far away three Walmart's. literally right next to the damn airport. shut the up food desert you know what a. food desert is means they have nothing. but dollar stores yes there's a lot of. dollar stores but you have aing Walmart. right there shut the up you also have an. Asian market right there uh a. Latin uh Latina Supermarket I guess it's. it's a feminine one but I'm only what. are youing talking about but I'm only. allowed 30 minutes to get into my car. you bring your damn food what the [ __ ].

are you talking about that's what I was. talking about is like it's only 30. minutes like the whole thing bring it. yeah I'm not that's why I was trying to. use the cafeteras just like real quick. hey hey your little tit you think when. people go and eat food every single time. I eat food at home I'm stopping at the. grocery store to eat food at home think. every time uh someone packs a lunch here. they're going to the grocery store to. get to eat their meal here no you go to. the grocery store once or twice a week. yeah that's why it is and you pack your. food and bring it to the damn airport.

you're 30 how the have you not able. to can you cook uh my basic skills is. rice and chicken okay use our cookbook. we have a budget friendly cookbook. that's one of the things you get people. get it when they sign up for the app our. budgeting app you get the budgeting app. as well simpler money you get to join in. or simpler budget you get to join. simpler money premium so you get access. to all the live sessions every week with. Financial professionals the community.

the mini classes but most importantly. for you obviously one budgeting. automatic connection to your accounts. two use the fing cookbook and cook yeah. cook I will you don't live in a food. desert that was a bad excuse cuz it was. [ __ ] that I was able to call out. immediately yeah you don't know what a. food desert. [Music]. is thank you so much to the tens of. thousands of people who downloaded my. budget na simpler budget it means a lot.

so much so that we wanted to extend our. offer there is now an extra week left to. get a 30-day trial to simpler budget. with a 30-day free trial to simpler. budget premium and lifetime access to my. new budget friendly cookbook on top of. that anyone who signs up for an annual. membership right now or before February. 14th which is my birthday and renews at. full price will be sent a free found. Founders Edition notebook upon renewal.

all copies will be decked with our. Founders Edition stamp and the simpler. budget logo and signed by me just make. sure you provide us your address and. your proof of purchase in the email we. send you thanks again to everyone who's. already downloaded simpler budget and. you can download it right now for free. at Caleb hammer.com slapp I was just. thinking for the area for around my work. I know that no one goes to the grocery. store to make a meal for every meal yeah. um in America at least I should have.

worded that. differently how would you word it giving. it another try is that. um that I just don't want to cook is. just like CU it's just easier like to be. honest and just just go to a cafeteria. that's more important than being able to. move out from your mom's with your. X that's why I'm here is just like. because I want to figure out if that's. why you're here there's there it is. there's a.

catchphrase you've seen the show come on. everyone says that yeah just like I'm. trying to like put it. mentally uh acquire it okay use the. cookbook yeah use the cookbook and start. making some of this um so why do we have. this credit card uh this Mercury which. is at um is this that I had it. for uh to try to help um keep my overall. credit limit High why but you abuse your.

credit limits you just immediately it. all up is I what's the oh you're over. the limit on this card I used this to. get my credit limit up you're over the. fing limit what are you talking about I. well I was paying it off and then it. just oh guess what it doesn't matter cuz. it's over the limit I don't give a if it. was being paid off it's not being paid. off it's not being paid off there's no. paid off yeah well it's just because I. had a I haven't had a car payment until. just two years ago and that's why. well you haven't had a car payment until.

two years ago yeah you're two years ago. this is not what what do you mean you. can change so much in two years you got. fired from a job every damn quarter. that's different yeah but I kept a job. for over five years is like and I then. you got fired fours yeah if you get. fired from four in a row I think you is. what I'd say and leads me to no. confidence in maintaining this income. we'll make a budget around it at the end. but even still how long does this take. to pay off for just the minimum payments. without purchasing which by the way you. do 7 years okay 19 shut the up yeah you.

purchased 1,110 on here $58 of Interest. over the credit limit what the is your. philosophy here oh I'm over a credit. limit because I purchased the car two. years ago [ __ ] you it's because you. spent $1,110 in it last month what are. you talking about it's cuz you got a car. two years ago excuse Excuse excuse fck. you be an. adult yeah yeah go ahead and answer is. this U is this. [Music].

the. as it's okay take a second take a second. take a drink you're you're good man I. know it's hard to get confronted with. the reality for the first time in your. life yeah no one's ever done it well I. mean I understand that because I've oh I. mean I was paid attention to but I was. also really coddled because of how my. dad treated my mom and stuff so she. coddled you yeah but I she didn't give. you attention I mean she bailed me out. more than three times bailed what uh I. built up a a loan oh and and the Navy.

she paid it off I built it up when I. moved out of her house the first time. and then she paid it off and then she. paid off part of it when I got married. but she is but she has a good heart. that's why I'm obviously that's that's. why I'm against either but I'm starting. to see the effect she's not going to be. able to retire are youing kidding me yes. I'm sorry it's okay there's tissues. right there but that's why I'm against. Dakin consolidations and honestly even.

I'm not against that consolidations but. I'm against that consolidations. and bankruptcy and stuff unless you fix. your behavior first because people just. end up in the same situation you didn't. learn a lesson you just had a bailout. how old is she my mom is 57 I believe. now 58 luckily she has a little time out. of side it's just not like crazy but but. I mean I don't want to really work it. into her 80s out of your mouth open. those lips open those lips good.

boy. so. oh. yeah you want to say something I know. you. do I'm I'm ready for my beating you know. stop oh no we don't make those jokes in. your episode I mean I I went to a whole. club for it. so okay and I can tell you all about the.

other when last time you saw that as uh. couple weeks ago for Christmas why he. comes around the family no he doesn't I. go visit him because you want to yeah. we've had a rough time but I also know. he has it's a piece of [ __ ] well we've. gone through that he has some mental. disorders now and that he's finally. gotten recognized. for for what I don't think people have. the I hit spouse mental disorder uh.

bipolar disorder and stuff like that I. know people bipolar they don't hit. either way he's also he's a very very. violent alcoholic has he there it is I. think that's a bigger play combine them. it obviously gets worse but he never. she's never around him right cuz that's. big no they're separated they've been. separated for 20 years Kim Kim I I. honestly wish him years I honestly wish. him the worst yeah I that's not. something well he's in the worst he I. mean very after they separated I'm a. very Redemption person I'm good with.

pretty much Redemption on anything well. unless you like touch a kid or unless. you uh beat like a spouse or pet or you. know kids those are those you know those. two things there's no back six weeks. after uh getting separated he had a. major wreck that crushed his whole leg. good and uh he got a pay off for over. $100,000 and then squandered it all K. and I mean I I am I never wish ill on. like my enimes even the people that like.

have like tried to like harm me in this. industry and just different stuff. whatever it is like even them I'm not. like actively wanting something bad to. happen but you do that level that he did. him I hope the worst happens to him and. that honestly sucks to have that feeling. but it is what it is so $82 minimum Mony. payment on here and. 50 what were we saying we were obviously. on an important topic we were over the. limit and we were uh we were spending. over. 00 and yeah why are you doing this.

because you said you said it cuz I got a. car two years ago that's objectively. incorrect you put half your balance on. last month right now it's I what we're. talking about uh it says I like to use. the the little split for payments on. these credit cards to uh pay for yeah. zip pay later zip pay later zip to. installment zip at pay later for pay for. fishing and stuff is this like my. fishing the tug is the drug man I can't. and the tug is the drug yeah if if if.

you ever been a part of the that I bet. you're a part of the tug Community. especially now with her gone no I I I. try to have something else do that for. me something else. yeah well I don't know how much I can. share on that but you can share as much. as you want but I'm beyond curious. because you didn't say someone else uh. well I mean there's like machines that. can do it or it's not you're not using. like a fish are you no I'm not using a.

fish but no I was like uh those Auto. blowers. or or if you ever know the place. called.com. yeah what is that yeah it's a you know. like a hookup site well kind of it's. It's where you go for like um massage. parlers and stuff like that you're. admitting to a crime you're admitting to. a crime stop never actually done it it's. just why would you bring it up but you.

know it but I've always been interested. in it but I always know oh we know you. have there's no way you haven't I. haven't there's no way you're using Mach. God just I would rather use machine. sometimes because I we don't have to pay. for it pay for all the. extra where are we and I'm too afraid to. be somebody's bottom pit in prison or. something. you spend money at.

McDonald's and. shields some bull Target probably more. Shields Popeyes you went into QT. couldn't stay away after you left there. or you're were trying to see the misses. almost. and got some [ __ ] from there. yeah 58 hours of interest and just you. know a month last year $513 bre from. your mouth you.

31.4914. minutes how can you not breathe through. your mouth. normally because I've gotten in a lot of. fights and stuff where a lot of my. structure is broken up who are you. fighting uh I got in fights in like. middle school high school and uh. defending against for being bullied and. stuff really yeah that's really sad.

because I don't have a filter I'll say. that well you do have to learn that I. don't have a filter but I also know how. to not get myself shot yeah I've learned. that too. now okay all right Navy Federal what's. going on here my dude uh which part is. I'm I'm the credit card oh credit card. uh it's a closed one that I bu bought. got in this isn't closed manage this is. a crewing oh oh the cards closed but. it's not sent to collections yeah no.

it's never been sent to collections it's. been closed what's the voluntarily good. thank what's the credit how long does. this take to pay off do you think. minimum mty payment which is uh $88,000. or so right now it's $ 8,41 it would. probably take like 50 years at my guess. 24. $841. 63 minimum monthly payment1 18469.

I'm trying my best man no you just sound. like you're just dying that's my concern. is do we need to call a hospital I don't. know how much the mic is picking up. never had someone die on set and if we. do it's probably going to be me so like. well my life insurance will pay for all. the rest of this stuff to who to well. beneficiary is my current. wife this is huge for financial audit. for a year now my team and I have worked. with experts to create what I truly. believe are the three best educational.

programs in the financial space online. we have our budgeting program where I. teach you how to create manage and. revolutionize your budget and control. your money and then there's the. investing program where I teach you to. Define what investing profile applies to. you and your life and then teach what. specific investing strategies applies to. you in that situation and now finally we. have our debt program where I teach you. the best ways to pay off debt manage. debt and even take advantage of good. debt this has been a revolutionary.

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thought she said my wife I'm did I miss. hear that oh man yeah uh I said why when. did you guys get married it was in. February 2 22nd of. 2022 what no when no no no no no that's. when you guys said you got together no I. got we to got together during covid and. stuff like 20 21 okay so you guys were. actually together for a couple years. almost three years yeah three years. marriage was it a good marriage it was.

our first good two years we still had. our spouts and stuff was she would she. call it a good. marriage i' say halfway decent she said. she'll recommend me next that's she said. she would recomend me to the next girl. so I don't know what the credit limit on. here is I guess because the credit limit. is nothing now. but um okay yeah that's 8,41 man with. $104 of interest recrui on a monthly. basis well yeah. $1,355 of Interest recr last year alone.

a late payment fee why why this one's. closed you're notching I tried to send. you one that wasn't had the late fee I. was trying to well you I'm glad you. didn't cuz now you're getting called out. what you want to get off you're not. going to get off easy like that this. isn't Slappy Maps or whatever you called. it sloppy. map oh is I I know I have a problem I. even had it where I mean going back to. the relationship I was like I did two I.

asked for a small loan of like 50 bucks. to put a down payment on a layway for a. toy gun to a toy gun yeah it's like. Airsoft is my big hobby then wait how. old are you 30. Airsoft yeah it's for 16y olds well me. yeah a lot of me and my buddies like to. do it it was really good to ex you have. a good friend group yeah I did good oh. did what is did uh one friend wouldn't. get his life together so we cut him.

out well he he would keep what does that. me one person he's that he's one he's. one shut up shut up shut up I I need to. talk through this oh one of my friends. and my friend group decided to become a. better person so we cut them out oh it's. not a better person I swear to you on. that one. he he's one of those like pck me boys.

like hey and he he he posts like. depressed stuff like hey I'm Hall like. he. likey hey uh I'm having a bad day or. like I don't want to get hurt again so I. don't want to get this so I don't want. to ask this girl out I'm like oh my God. and you just see this on like Snapchats. Tik toks of all his and you're just like. hey man and they constantly ask borrow. money from us and we are like we have. the stop talking.

[Music]. please and he had a he had better job. than me when it was like so what did he. do he he was a line technician no what. did he do that made you guys kick him. out uh he kept getting boohoo and asking. for money boohoo okay yeah so every time. he got with a relationship so that's him. trying to get his life better is him. asking for money from you guys yeah well. no we would give him the money he would. spend it on like airsoft or something. really. ridiculous and not use you recognize.

it's ridiculous yeah oh yeah Sho. everything I've done so far has been. ridiculous I think I thought I'm G to be. honest I always thought my 20s was just. be the round moment and then I'll get it. together my 30 for a lot of people it is. but obviously you're not yeah I hit 30. before I could fix. it and the rest of your friends we have. a good support system and friend group. yeah like okay so when you when you said. I did you meant you only kicked out that. yeah the. the the.

yeah other ones are really nice the. other one just bought his first house so. good for. him what is credit I've never heard of. credit fresh credit fresh is a line of. credit it's instead of like a credit. card you ask for draws to thing because. I was trying to keep my accounts from. overdrafting I thought it'd be good. to uh and trying to get it out you. didn't even ask my pass question why was.

there a late fee on that pass card uh I. forgot about it I didn't I did this is. my first time that I've had a late fee. in in doing this it's just I just forgot. about you. overdraft yeah you're drawing this loan. out so you don't overdraft probably make. the payments so you're not late so. you're borrowing debt in order to not be. negative in your checking account in. order to pay your minim payments on your. debt I recognize I'm a rob peter save. Paul kind of P PayPal person and it's.

not it's not working it's just keeps. digging and digging and digging and it's. like but I mean I really just wanted to. like I just want to. like I just want to be like just go out. and and not worry and then I can just. worry about it at home when I'm not. doing anything like just keep posting it. off because question next week I might. die yeah but on the statistical.

likelihood that you're not why not. sacrific today for the better future if. you die you won't know that you have. sacrificed you don't you won't know that. you missed fun cuz you're dead so who. cares and breathe out of your mouth if. you keep breathing on your nose like. that I'll make you die right. now so okay we could do an ngi can I ask. you a question your philosophy yeah. versus your goals here is it working no. so stop St yes I will never understand. the this is what I want but this is what.

I do because so change it change it yeah. Hedonism isn't for me huh Hedonism is. not for me so it's. $1,538 with a $53 minimum payment what. is the interest on here. 138% no yeah it's it's why are you still. taking money from this cuz you just drew. 5 and then and then 890 and then 750 in.

oneing month one month three. draws uh to keep um I really needed some. like that much how are you that far down. some some so I can't they don't give me. the tools I have to huh at work I have. to have oh don't tell me I have to oh. you're not one of those well I have you. get it I have a minimum equipment list I. have to have I know but what did you do. to get it uh did you get any used tools. no I I I wasn't able to get used tools.

because there was a lot of problems. going at the time you me a lot of. problems was 911 happening I don't think. so it was okay because with my situation. with my mom uh and everything I couldn't. ask her for extra money to try to. because I needed a toolbox and. everything to go down to OKC and OKC. already accepted my offer and okay but. you could like personal loan or even. credit card yeah but I didn't have the. credit score to do that you're drawing.

on here yeah I needed like almost five. $6,000 and tools yeah what would it have. been used have you looked have you even. shopped you know I I tried getting used. tools my brother-in-law actually offered. me his uncle's try to get try to get his. deceased uncle's tools but it just I. couldn't get them in time for couldn't. get them in time buddy buddy cuz the cuz. I had to get it in I just got the offer. in May understand that go in.

June so I had to get a toolbox and. everything this oh for the other for the. job that you got fired from after the. three jobs you got fired from before. this job that you're going to get fired. from right okay that's I'm not going to. get fired from this one I swear well so. far. statistically not living up to that I'll. be. honest. okay great so you're one of the tool. deck guys really collecting the. financial AUD Infinity. Stones yeah but I haven't I mean I at.

least paid the truck off but not the but. not the the. so the tool truck the sexy old tool. truck where the dude comes out with his. nips and he's like and you're like. buying all the tools at a million. percentag and once I actually started. getting the money coming in and whatever. tools I needed I went to like Northern. Tool and Harbor Freight and all them for. the rest of the stuff but my minimum. stuff I had to feel like I had to. finance there's a.

big okay well um bad debt that one Ally. let's see oh no yeah oh no 2019 Hyundai. voster one I I've never even heard of. that car two you're getting fired from. jobs left and right during this time so. what the actually how I got three yo. 31,000. 9194 for how much do you think it's. worth M I think I last check I was a. 13,000 12,000 12,500 on a.

$31,995. N9 why have you done this to yourself I. will not understand because the car that. I had no payment on uh I had fixed the. alternator I had fixed uh ball joints. and everything out of it and I finally. it started finally giving out electrical. issues with the starters. and not cooperating anymore cool cool.

cool so what did you purchase this car. for uh out of want more so than no no no. no what price $36,000 cool so there was. nothing between the $ Z car and the. $36,000 car there was nothing there was. no cars available there was certainly. nothing we could do I there was nothing. no matter what I was going to C. underneath for any car that I was going. to go I would rather you be underneath. on a $10,000 car $10,000 loan than a. $30,000 loan are youing what are you. talking about you're fixing we're.

trusting you to fix planes and you don't. realize that that's a big difference. come on yeah no wonder you think you. live in a food desert with a Walmart. next door what are you talking about. it's just it's just more like it's a car. I've always wanted like and I always. wanted so we do it when we're $100,000. in debt it was 100,000 no mortgage it. was 100,000 back then I mean that was I. only had one card back then and stuff. and was did you meet. your moai fish uh before I got that car.

no I got that you got this alone we're. actually co-borrowers on that car and. now we're separating so that's what did. you put down nothing with the amount of. interest that occurred on this car man. because of how the S&P 500 has done over. these past few years it just literally. had its best year in the Millennium this. last year man if I opened up my. brokerage that I personally use Mumu and. I bought into the S&P 500 around then. instead of this $30,000 $36,000 that I'm.

paying interest to I that you would just. made so much this is just it's just so. against you this is not productive and. now you're dramatically underwater. everything's do you have retirement uh I. have my 41k how much uh $600 and and. $100 in. Investments but I mean what's the dream. of like having in the car you've always. wanted since you were a kid or down with. it this is like I mean you have a I'm. down with it you did it because which is.

one of the more premium I will answer. your question because you asked it uh. would you like to hear the answer yes. sir cuz I could afford it you couldn't. afford this yeah I I. was part is before my Grandpa died I was. the one asking him for money to get this. car am I in a privileged position. absolutely absolutely so I was able to. get the car that I wanted to and it was. really cool and I'm very blessed for. that and I'm sorry that you could not. afford the car that you wanted but math.

is math is math and we live in the real. world and you're not coddled and we. don't get to the end of life in a better. way if throughout life everyone just. goes around you and says oh I wish you. could have got the car you that we wish. you would get that's not how our society. and culture works no one helps you if. they if they're going to baby you no one. helps you if they're just going to. cuddle so guess what dude you couldn't. afford this even if it was your dream. cons so you don't get it I'm sorry. that's the way the World works I'm sorry. because now you yourself you have fued.

yourself I will I will myself I I'll. take it right out of me and huh I'm I'll. be I will un myself just you see your. will I will sorry I I have a slight. twang uh I will I will when I get. nervous I I start doing that okay good. try to say what you're trying to say I. will un myself okay go ahead how cuz the. debts only have been going up and you. miss payment on one of the cars we.

looked at and you're above the credit. limit on the other one and you're. dramatically underwater by 2/3 on this. car so I have a guaranteed contract to. go 150,000 in 5 years 150,00 but what if. they fire you what's the buy out is. there a buy out of the contract. no the only S I get is is so there is no. real guarantee you're just saying if you. stay there so shut the up buddy as. someone who's been fired from the last. four jobs statistically you are not. Landing up correctly for this I haven't. you no okay take your time I haven't.

been fired from the last four jobs I've. only been fired from that job I have. picked up another Aviation job in. between those for prop Aviation I'm not. much of a car gun I'll be honest I more. go for the technology that's why I went. for the Tesla I know Tesla know everyone. loves it when I mention is insane it's. like uh like I just go for the. technology I really don't get it why is. this a dream car this doesn't seem uh. like anything to me well after put a.

picture up of a 2019 Hyundai Veloster uh. spec in huh in Spec it's a special. edition it's for uh it's for track use. mostly right which I'm sure you're doing. all the time what's it 0 to 60 uh it was. like three or four seconds U with a top. out of 300 fast car okay. it's just it's just more the specs.

like it's not wor your life s 16%. interest what's the term length on this. cuz you've barely made any. progress are have you missed payments no. have you put payments to the back of it. like you've made no progress in that. wait when did you buy this. 2022 20 23 you've made no progress on. those 202 yeah 2023 that was it it was. December so it would only be a year and. now oh my gosh okay Capital One Quicks.

over oh what's up with this what are we. going to learn from this cuz every. single one of these so farra it started. out as a 750 card and I was like I can't. do this so I cut it down in half so I. can pay it off every time uh huh okay so. what's going. on I'm still not paying it off um um. because I know well you paid actually a. big payment towards it but then you. spent 1,431. easy. $31 what wait how could you spend $1,431.

with a credit limit of $350 cuz I cut it. down oh well there is a balance of 340. right now so basically maxed out and 3. cents with the minimum to pay at $25. what the [ __ ] Happening Here it it was. oh it's all [ __ ] there's not a. single necessity on here it's all just. highlighted lines. oh yeah yeah I'm I'm but it's what I'm. self-deprecating I try I put myself down.

when I'm like what' you say you just. made a sound I'm I'm a I'm a dumbass is. is what I said and I was like you are a. dumbass yeah in your actions in other. areas of life maybe not but this is the. dumb Mastery of a statement yeah this is. a credit card that is maxed out that is. a crewing interest what the are you. doing you're going Ma to cool Mac Co. tools $123 and waterburger going in the. gas station getting some BS what's. Imperial. I'm basically owned by the um the uh.

what are those things vending machines I. they're owned by the vending Mach no I'm. basically owned by the vending machines. I like to get like my breakfast and. stuff out of them your breakfast from a. vending machine what do I to start the. day yeah it's a what do you get from a. vending machine for breakfast uh a. poptart maybe or sometimes they you know. they have those at Walmart where you. work right next to on cheaper you know. they also have cial at Walmart where you. work where it's close to work that is. cheaper uh it's just convenience of me.

being like I said that would be more. convenient to grab a poptart and eat it. on your car ride yeah I don't know what. you're about have 30 plus P car ride so. yeah so you pass many of grocery stores. on the way yeah I do but it's. just oh don't do me like that K buddy. come on of course I'm going to do you. like that you said you lived in a food. desert I that's a certifi my but it's. also not correct is my a food desert but. it's also not cor by food desert I don't. care if it's by if it's in it's not I.

looked at the map. yeah okay well vending machine vending. machine vending machine uh working at. just the oh the. eery oh McDonald's going in getting some. BS vending machine vending machine. McDonald's vending machine vending. machine McDonald's vending machine reers. mhm reers is our local uh is our food is. our food super Market I go there to get. stuff to make like jumbalaya and stuff. like that for the family and everything.

food I cook yeah I cook for the family. sometimes food. desert waterburger returned mobile a. payment a returned a payments ret. returned IE didn't have enough fing. money what it happened because I don't. it's McDonald's. sake tackle an outdoor yeah for your. little fish tackle an outdoor stop you. can't afford that hobby obious. obviously obviously just swim okay cat.

them with your mouth one Korean barbecue. and hot one Korean is that one of your. place on your special map the little rub. map uh no that's actually a cream. barbecue place that me and my wife go. for special occasions special yeah well. not well maybe special go inside the gas. station got some BS go inside the gas. station get some BS go inside the gas. station get some BS. it's just like Vending. Machine Tools Brewing got some stuff and.

some BS stop the gas station got some BS. stopped at a gas station got some BS. Slims barbecue stopped at the gas. station got some BS in a acan restaurant. for $70 oh yeah I mean if you don't wait. why the are you going with your wife she. broke up with you well because we're. still on good standing we're really. we're still best friends and we we hang. out why she lives with your mom with. cockroach why do you live there making. so much money I'm so confused I don't. get this whole situ it's fine it's paper. buddy he broke the chair I'm. sorry it's a habit it's a habit to break.

the chair no it's a haveit of like oh. something dropped because if you're. working on like the planes out the air. that you work on yeah if you drop. something you want to make sure it. doesn't get left behind let's prevent it. from dropping next time so as many of. you know I've been a big supporter of. course careers for a long time I'm not. just a partner I actually own stock and. I'm an investor so why did I partner. with course careers because I truly. believe even what they're doing a lot of. people have questions about online. certifications versus traditional.

college degrees let me be clear I. wouldn't put my name behind something. unless I knew it worked the thing is not. everyone has the time or resources to. spend four years in college or take on. massive student loan debt course careers. offers a practical affordable way to. launch a career in a high demand field. like Tech sales it and accounting where. companies are hiring based on the skills. needed not broad college degrees in fact. right now one in three companies are. dropping degree requirements and that. number is only going to continue to grow. I know some people think online programs.

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careers is here to help you shape it. yeah but it's just it's we're still on. good standing and also just it was at. the time like I just didn't want to. leave her why do you still live. there because after I lost my job in OKC. every other job was to come back home. because Tulsa is a much. bigger cool why do you live at home. though uh because I want to get a down. payment ready for to buy my are you. really going to get a house I'm a little.

nervous for you to have the. responsibility of owning a house I'm I'm. going to buy my grandpa's like renting. okay with. people to keep it within yeah it's in. bsby it's in how far away from that from. the airport uh 30 minutes you're really. not going to cook out there where's the. closest grocery store to 15 minutes to. glimp poool uh actually Bigsby is. sprawling out so I think if I buy that. land it'll. that'd be great what do you need who. owns it my grandma it's fully bought out.

and she wants to sell it to you she's. says she's going to sell it this year. why doesn't she do owner financing do. you and just like she wants me to she. wants whoever is gon to get it is to get. a loan so she's got a between family. members it's a race none of my family. members make any money well I grew your. sister does well my my SI they're. they're they're half siblings they're. not from my dad inside of the family. it's it's very complicated in that world.

not really it's just they're your half. siblings yeah but they're not in like. they get upset if I say they're half. siblings so I just call my brother and. sister because they probably just view. you as your brother nobody else in might. so what is this she wants someone to. take out a loan so you're just trying to. get enough money down to qualify for a. loan yeah well I also how much money. technically I won't need any money for. wanting for the house you [ __ ] I think. she wants about 150 200,000 okay so what.

are you trying to save up for a down. payment even though you get the VA loan. because it put skin in the game and I'm. said how much oh uh I I want about 5% in. before she wants to sell it for exactly. you gave her range what she doesn't have. a number she doesn't have a number yet. so what are you going to do then 150 is. that what you said. yeah gosh so 7,500 we could get there we. get you there in 2 seconds but you. shouldn't get a house without a fully. funded emergency fund you shouldn't get.

a house without having all this bad debt. paid off you have over if you get a. mortgage for like $150,000 that's almost. equal to all your B the money guy says. the emergency fund should come after. debt that's what the that says money of. order of operations says that yes I said. don't get a house until you have an. emergency fund or until you're out of. debt I misunderstood I'm yeah it's okay. okay Mexico tools I don't even know what. technically the interest is on that. great uh it's like 60 or it's like 5.

years worth of weeks cuz they do it by. the week and then they don't tell me the. interest they just tell me the. payment looks like 32% interest. rate whoa 20 something. wow that was close to my. calculation so when I did it at home. balance well maybe not though I mean the. balance has gone up so I was calculating. off that why why why is the balance gone. up that should just be a quarterly. statement they only send it out every. why is it going up at the quarter though.

uh I've made every payment I don't know. why if it's going up of nine oh the. beginning of this wait no no no no no. but the beginning of this quarter the. very bottom is what it's supposed to 10. talk about where so. sorry you're a mess what okay what do. youday yeah no no your balance went up. balance went from two 20,5. 4 to. 22,000 oh I did have to get some tools.

but did you but I didn't think I. financed them through them I did it. through the what [ __ ] racket they got. you guys locked down weekly payment a. weekly payment of 8625 yes yo. $345 a month these are stacking now man. so stacking out this ising stupid stop. it you almost got entire free tools from. your uncles dead someone this we don't. need this is stupid get did you get the.

freeing tools no uh because I already. had to get the tools anyway. from get the free hey hey hey get the. free tools and sell the othering tools. and pay down the debt yeah I I I would. have lost the contract if I didn't get. the tools I'm saying now you [ __ ] okay. get an now sell your tools you'll take a. loss but it goes towards theing Deb. math meric bank for what.

uh another credit card um for. what I don't cuz why is it. $1,964. 48 of because it's not at its Max limit. um no no why did you get up to that. buddy it's just feeling of instance is. like what did you spend on it's oh my oh. my oh my bu these questions are not we I.

got that turned temporarily off for six. months so it was mostly fishing stuff. that was my yeah. stop stop I. mean $216 oh fees buddy $96 of fees this. year yeah they they automatic yeah if. they have an automatic like $100 a year. spread out over a month and then late.

fees and stuff I know it's that baked in. stuff but I felt like I that was bought. so I could start re try to rebuild. credit and that was my very first car to. re buy back your credit man I don't care. you're destroying your life $41 minimum. monthly. payment. and and I well i' I've looked at the. Fizz card and everything and stuff it's. just I just thought that it's just the. $200 intro membership was like oh well. that's new they kind of just turned that. on but we're uh we're working with them.

on our link to make sure it's like much. more much much much much so it. incentivized my mind like oh I can just. fix this card well they do that instead. of like interest and stuff so it's. different or you know extra I mean. anyway it would still work out overend. to be better but it's just like the. intro rate is just like oh I can fix. myself I can fix myself instead. obviously can't how's that working. okay some oh what is the sheet mean what. is the sheet money owed to Mom $3 at 6%.

she's charging an interest simple. interest so it's not compounded at least. yeah so take the take whatever I. initially and then just add 6% to it. just and then is that the 13,000 that's. the final amount is 13,000 the final. amount yes why do you have this to your. mom it's well because I needed money to. move down to. okay see that's why I you never had. money for anything yet you just do. everything this doesn't make any sense.

but you have always M because I've. always been able to just ask my mom or. ask my but that's not money that is. fuing debt and but it's. just made a good cases like I'm going to. be making this I can pay you this amount. no I'm sure you're able to justify it. like crazy but guess what it still has. not worked that's how I got a wife I. don't care I don't care what's the. minimum monthly payment on this is there. 300 M to her yeah she lives with the. roaches is she in like section8 or like. what is going on no she her house is.

bought and paid for it's a house that. she owns yes she for sake why is she not. getting Pest Control I do the pest. control it's we failing at that like. everything else I've knocked it down. several times it's just we have. neighbors that um are very kind of groy. and you're going to blame them yes. because we also live in a very wet area. which is what the natural environment. for roaches is and because no for the. saala area we are in Green Country we. get the most rain out of all of Oklahoma.

but oh out of Oklahoma Oklahoma just. just well we're in the clment range okay. good show 13,000 hour to this breathe. out of your mouth $300 a month money. owed to a former employer what the [ __ ]. man what is that my contract stipulated. that for sign on I have to do three. years for the OKC job what happens about. this job if you leave uh same thing no I. don't I don't owe them anything sorry go. ahead continue is this uh but we've.

already talked to I've already talked to. them it's 375 a month your monthly. payments insane man this is fuing crazy. the [ __ ] that is stacking up this ising. crazy I've never had a conversation like. this is crazy money out to unemployment. fraud oh you're collecting new stones. that I didn't know existed. what but I've I've tried talking to them. several times and they've never reached. out to me what do you mean what does.

that evening mean that I got the. unemployment when I was let go in uh. covid and I was I thought instead there. were still more work to do I was just. let go it it was fired so I. misunderstood what the phrase of the. sentence meant and so I collected. unemployment for uh the stimulus or not. s what is that the extra taxes or. whatever during that time to increase.

unemployment money to help me survive to. afford a life what do you owe monthly to. them you don't know you just know that. you owe it yeah I've tried talking to. them several times they never called. back they said they were going to. garnish me but it's been like four or. five months I hope they kind of do oh. four or five months that's not long. enough for me to just like void this. four or five months is nothing there. prob years since I took it out and the. federal government was going through a. big change I know but four or five. months since then like like just give a.

time we'll see man oh medical debt. 25586 breathe out of your mouth yeah. that was I'm going to make you have more. medical debt soon that's supposed to be. like workman's comp was supposed to pay. for that but then they never did it and. so now I'm on the hook it feels like for. that I've tried to reaching out to my. forign boss but they that's all they. give me is the insurance code and they. won't you talk to the insurance no I. haven't tried them yet because I don't.

know how that like I didn't know that. was an option is to talk to the they. give you a code yeah because I gave it. to the emergency room when I got emitted. the code the the the insurance providers. welfare whatever number from uh from my. employer when I got hurt what happened. how'd you get hurt I so I was working on. a car and I was uh he had this car work. not this job I was while I was in school. I was a uh a automotive SL uh tire.

changer SL technician okay um and I was. I was went to lift a tire and it was. really heavy and I threw my back out it. was so painful that I had to go to the. emergency room and I was I couldn't move. for a week and a half so I was on a lot. of pain meds and. stuff okay what am I seeing here okay. the Thanksgiving though just being on my. back when pay meds are you talking to.

yourself over there what is happening oh. yeah sorry Reminiscing on that. one I'm trying to talk about student. loans here my guy cuz I see them. existing they were I actually didn't. have to do those student loans what do. you mean you didn't have to do them. they're right in front of me well. because my GI bill paid for all the. school I justed bu you have 22,000. 73,000 to loans but it was to take out. and use. for uh to lower like my principal on uh.

the the Navy Federal C because it was. cuz if you the whole credit Lim is. 22,000 you took out student loans to pay. down because instead of like 18% you so. lucky they did not know that at the. time well well it was to keep me in. school was just help me so I could fight. uh that $ 22,8 73 to PID on credit card. balances so you build yourself out again. without it no it was just it was just to.

absorb that one I then I did I paid off. another credit card I closed it and then. few months later I bought I'm sorry I. don't think you're getting out of. debt I'm I I I mean blunt I'm leaving it. real I don't think you're getting out of. debt you've been down the cycle a. thousand times and for some reason you. refuse to change your behavior and we'll. connect you with all the classes the. debt class the budgeting app the therapy. we'll connect you with all of it but I. don't think you're getting out of debt.

use the tools yeah and use the people. you have to go to therapy you especially. have to go to therapy well I I'm on a. medicine now that makes it a whole lot. easier good but you need to talk to. someone yeah makes me it's not just a. medicine yeah you need to go to therapy. you need to go through the budgeting. class we just recorded a follow-up today. and the person went through the. budgeting class and I got them through. their debt they paid off all their. active credit card debt it's incredible. do that too over 10,000 people have. taken it your student loans is there a.

minim monthly payment no forbearance. right now already talked to them is it. because you are on the save plan. adjusted well because during the time it. was active until I got out of school in. about March and then I finally got a job. what yeah when does it start uh it. supposed to either start uh March or but. I mean with the current Administration I. don't know it could just immediately. start back up that's the what I'm. worried about well I don't think so the.

deferment from graduation I don't think. so and you that's already done that it. was supposed to start you requested an. additional deferment yeah okay well that. that's within the system well I think. more like the the different. forgivenesses and like the save plan. that stuff will probably get destroyed. but okay so you're likely looking at a. minimum monthly payment. of I'm guessing about 250 300 I'm going. to say 27. uh I us the uh income driven one so you. are on income driven well no I asked for.

to be put on uh they said they're. reviewing it and it's been a while I'm. putting 275 on there we'll see what was. your last taxes what was your claimed. income in your last taxes. 25,000 okay you'll probably get put in. well unless unless it happens after this. next tax year yeah cuz okay what did you. make last year uh 30,000 on this last. year because I only just started I'll. cross that out for now I'll cross that. out for now CU we don't we who knows. yeah I just got a I just got this job so.

I know. does student loans more student yep all. of them added up good good good good. good set all your debts they gone. through all your debts they're. horrendous and you're thinking about. getting a house you uh yeah I think. that's about it wait do you have um um. um American Airlines Credit Union no I. don't. I I have it on I have a 2500 initial. loan for uh and then but it's $50 is it.

a personal loan yes uh guaranteed by. they just take it out of my paycheck so. what is it what is the it takes it out. of your paycheck yes what's the balance. $50 uh. 2500 so and it was it was given to to. for moving expenses and stuff okay okay. okay. okay. sh sh sh. sh pretend like you fell out of the. fishing boat plug your damn.

nose $0 in this balance $1,000 spent. from the cash app a loan rep you're. taking out cash app. loans yes but what is your balance ow on. there uh I I.E another loan. $75 your balance is 75 yes why do you. have it uh because I'm going to be. honest it's it's like a it's a cycle I. can't. really you $8,000 it's a $75 cycle.

literally you went out to eat $700 and. you spent miscellaneous bull 900 shut. the up cycle this is your behavior this. is you being a. literal. child I just acting like a child is not. going to have your mom recognize you as. still being her little boy okay yeah. that's not how this is going to work I'm. really trying to make sure I'm not the. bot of the barrel of all the kids I mean. well you're competing against someone. who went to prison so I don't know if.

you'll get there but yeah but he has two. businesses now that are flourishing so. well and you committed unemployment. fraud okay cash app loan repay yeah loan. repayment loan repayment this is crazy. draw Downs blah blah blah that's. ridiculous dude let's checking it out. there's nothing in here. $156 no wonder you're getting your. payments are being. declined Flex Finance what's that is. that another one. uh Flex Finance is the one to split U. your how often are you doing that I'm.

not doing it anymore but during the um. uh time of my apartment it was just. every month it was and I paid it it's. just Flex it was just it was $15. overdraft. overdraft Kings. so so Papa salsaa ATM withraw popey's. PayPal in restaurants this is really. hard to read this statement is not a. good statement when ins I got some PS. from a gas station more zip pay later.

zip pay. later a tool sales tool sales. stop please well that's that's the. payback the truck and that's not just to. how much you ow to the truck uh the. truck was like $500 how much do you owe. to the truck 500 the 500 was but. currently right now it's it's it's 175. and that's the debt you T added to the. debt that's that's paid off in two weeks. it's still a fing. debt and wait what is this why am I.

seeing a personal loan here what is. [Music]. this oh that that is the um that that is. that's American Airline for it's a. 17.75% interest. rate. uh it is it's here. yes Fu. dude let's see if I can even budget this. this is going to be an interesting. little equation PR out of your mouth.

$2,212 oh it's insane what's your you. don't pay rent do you pay utilities or. anything I I pay rent I pay $100 towards. my mom for rent 150 for insurance and. then 50 for my phone what insurance what. insurance car insurance okay 150 for car. insurance yes and then what was your. phone bill 50 okay do helium for 15 I. don't own my phone when you own your. phone do helium for 15 okay so we'll put. 50 for now right that you said yes oh my. gosh people okay utilities you do.

anything for that or is it just the rent. just the rent okay groceries $300 you're. doing it for yourself use our cookbook. and our budgeting app the simpler budget. budgeting app use the. cookbook get it at simpler money.com or. Caleb hammer.com apppp by the. way $300 food payment TP fund anything. else you need to survive all your happy. endings $100. or your machine glocky. Glocks no way okay gas vroom vom drive.

drive. um it would be about uh $60 a month you. know you're going to have no incentive. to try to go out there and date if you. have a machine that gets you off every. day uh I actually already have a date. lined up for uh for in a couple weeks. how'd you get uh Bumble or not Bumble no. hinge I did hinge well that's yeah I. mean it's online so that's fine but okay. cool cool cool cool cool so 100 for rent. again that's what it is yeah okay. Medical Health Care that comes out of.

your pay do you have any co-pays or. anything like that $25 per per uh visit. so how many visit with a deductible of. $1,600 how many visits how I I only do. it I only do it once uh every couple. months for a I'll just put it in your. budget 25 bucks physical every couple. months uh it's for is right now I'm. doing a little bit more because I'm. trying to get on Tai Tai zood with Z. bound it's.

the kind of it's a it's a different type. of formulation yeah yeah yeah okay any. pets yes I have I have three Frenchies. or two Frenchies no they're one. expensive and two me they're living at. that house oh poor guys yeah they are uh. they do live at that house but they're. treated better than I treat myself but. just it's insane cuz now we need to put. in $6 hours of pet insurance cuz you. can't afford if something big happens.

how much dog food on a monthly basis. price price price uh nothing right now I. take it from the the bulk buy from that. my mom gets for her. dog okay get pet insurance for them. anything else that needs to be in your. budget that I have not put. in no I think I can what a joke. $3,146 126. you bringing $5,000 a month. [Music]. you stupid dude stupid you don't even.

have to take care of the the lady that. never contributed to anything and has no. ambition or anything 1,850 I do sh 1,800. what I one of the reasons I get a lot of. food out is because I just bring it home. for us because because of the roaches. and everything want hey what up girl. yeah we broke it up ever since I started. watching your show I started doing that. I'm giving you $250 a month for fun.

because you have that you have money. left. over so you have now. $63.74 after your fun of $250 a month. come on man so this is so stupid now. let's minus your student loans from your. debt let's just get how long this takes. off I'm going to take off your medical. debt and I'm going to take off your your. student loans and then we'll deal with. those when that happens excuse me dude. you have no control over your body $.

76,6 43 of bad debt outside of the. medical debt outside of the student. loans yeah yes. $1,663 to go towards it on a monthly. basis it take you 47 months 47.8 months. or four years you know sucks four years. is actually not the worst especially. with me giving you a fun budget 4 years. is not the worst for the amount of mess. you got yourself in I'd actually be. happy with that people have to go.

through longer processes with less debt. so four years that's not bad and your. pay will hopefully continue to go up. maybe you can pick up hours somewhere. maybe you can go work a second job what. overtime starts in uh there you go do as. much as you can bring it down to three. years and get a fully fronted emergency. fund then save up a little bit of money. for is your grandma going to die um she. don't think so okay then let's focus on. this fully funded emergency fund then a. 5% down payment on the home then good to.

go it's called that entire process 5 to. six years that is not bad you will be. beating the median age for the firsttime. home buyers and you'll be living a good. life okay no more around dude there's no. reason why you should be in this there's. no reason why you should be getting fir. there's no reason why you should be a. child there's no reason why any of this. stuff what a joke here spending in a. budget score you over spend 0 out of 10. you're debt you have unemployment fraud. 0 out of 10 emergency fund nothing and.

savings 0 out of 10 retirement barely. anything in 401K but at least there's. something there one out of 10 you blamed. some of your things of throwing up a. massive percentage to your 401k at the. beginning there $400 in there what the. are you talking about shut up just. trying to make excuses the whole time. zero out of 10 because of that excuse in. the dumb I'm just pissed I'm going to. round you down which is never happening. zero out of 10 guys come to the post. show Link in the description below our.

YouTube membership join Elite for the. best value of a dollar you can actually. call in and talk to us in our call-in. show join us for the streams and the. exclusive audit so much stuff join us I. have a feeling with this dude it's going. to be an interesting post show I feel. like we're about to hear from the best. tugs that you can get on a map in Tucson. I got so drunk I kissed a grandma and. then it ran off and threw up on the be I. saw Lindsay in the post show I wanted to. come here and be like hey well not that. way it was just like it's just she looks. like the woman I'd be really interested. in so it is like.

that but no but some way that would be a. lot closer to me Lindsay would destroy. you I've been to those types of clubs. where they destroy me I like really. strong like women that will like. basically kill. you I should not have said what I said. cuz I did not know that to watch the. financial audit post show click the join. button below.