The Strangest Financial Audit We've Ever Had

how are you doing door Dash girlfriend's. car you're 36 what are you doing I can't. work why I don't have the driver's. license as you probably deserve for. driving without a license I asked if you. guys were hiring how many times have you. been arrested once in the last five. years I want to say prior to that it was. like probably every like 3 or 4 weeks. you're not getting into the. job hi my name is Sawyer I'm 36 from. Waco Texas and this is financial audit.

thanks for coming down to Austin what do. you do up there for living in Waco I. come down here in door Dash to Austin. yep well how wait how far of a drive is. it from wo hour and 30 minutes that has. to eat into the whatever you know little. profits were making on door Dash right. with maintenance and gas I mean you know. it pay to play I guess oh okay a lot of. pay to play.

things typically lose money that's. usually what pay to playay is kind of. known for these days so I don't know if. this a phrase I want to start using okay. what are we making how how much door. Dash are we doing um I usually work two. full shifts like f Saturday Sunday like. so 16 hours the are you doing Monday. through Friday wait you're 36 what are. you. doing that's that's what I'm doing I'm. door dashing uhhuh Monday through Friday. Friday what are you doing uh Dash and.

like side hustles Dash and side but you. just said you work two full shifts. Saturday Sunday okay walk me through M. how much door Dash are you doing in a. week um mostly just the 16 hours in. Austin but like if it picks up in Waco. I'll pick up a couple hours here and. there okay what are the side hustles. then you said side hustles um I do a. bunch of. reselling um I fix cars for people and. do like some handyman stuff how frequent.

is all this uh Rel people call me for. stuff all the time how much money do you. make in a week your median. week I haven't averaged it out um like. two weeks ago I want to say I made. probably $6 or $700 doing two cars was. this considered a good week or bad week. I would say that was a good week oh. that's just from the car thing yeah no. no no total how much do you make in a. week. usually total between $4 and.

$700 across everything yeah give or take. and that is before expenses right are. you doing that post gas maintenance. insurance car payment even I I haven't. really factored any of that in lately. lately what do you mean but that isn't. that how you determine if you're making. or losing money on door Dash I'm a. little the car Situation's been. complicated so a go on um so my car.

broke down my new car and I what was it. 2021 Nissan kicks Nissan okay how did it. break down transmission uh completely. cooked and seemingly warranted he was. like that happen install Nissan so we're. not covering it okay so I took it to the. dealership to see if they could do. anything and they were like $77,000 to. fix a car that's worth $111,000 I was. like no how you door Dash girlfriend's.

car that I picked out for her a. girlfriend's car. yep can I make fun of you for a second. normally I'm not like a make fun of kind. of person but can I make fun of you for. a second sure come on no career wearing. wearing Jared's epic Blaster battle and. you got a girlfriend where's my. girlfriend where's my girlfriend guys. what am I doing wrong here how have I. failed this game okay I'm done making. fun of you I mean maybe it should show. up at his epic Blaster.

battle okay is that where we meet them I. I mean are you gonna wingman me at. Jared's epic Blaster battle absolutely. okay thank you. okay okay uh so you drive her a car yep. okay cool and is that it how long have. you guys been dating uh we just had our. 2-year anniversary oh good job that's. that's really nice um is it how does she. get around when you're doing like how. does she get around so she dnamic so her.

car broke down um and I told her it. wasn't worth fixing her parents I guess. donate a van to her and we were trying. to sell the van and got this car for her. but I ended up needing to use the car. because what is it the car that I'm. using yeah. 1999 Honda CRV okay okay how many miles. on that thing I want to say 200 50,000.

probably okay well how much do you think. came in in the in the most recent month. in your statements most recent month. yeah I'll yeah in the most recent month. across everything this is coming through. zel's and meta and cash app and chime. and uh Bank transfers PayPal Apple cash. door Dash payout and payroll actually so. what do you think came in um I want to. say.

1,200 bucks okay so this is where it. gets a little confusing and where this. is going to be an interesting episode. I'm excited to dive into these numbers. like legitimately excited to just wave. through this mess technically what we. think potentially came in was. 5,367 what's confusing is it's a lot of. random transfer transfers like Jake. tried to sort through a lot of it but a. lot of that also could just be moving. around on accounts we don't know what's. necessarily moving mov around while it's.

coming in fresh you know it's a little. hard in chime you know you know you know. who even knows the payrolls confusing. you say you don't have a job this is a. mess obviously I want to get into these. finances and start waiting. through but a lot of people are probably. wondering and I'm also very. curious where has our career. been like what is going on in your life. of career.

so um I went to school for Automotive. Maintenance technology and that's kind. of where my background is yeah so most. of the jobs that I am qualified. for I can't work I why I don't have a. driver's license oh you wait but. technician you need a license for that. wow I didn't think about that makes. insurance purposes that makes sense I. get it have a license okay so let's get. you a license okay let's do it okay need.

$10,000 what the are you talking about I. have to pay off about $10,000 citations. citations For What and when uh did you. shoot someone too hard at Jared's epic. Blaster battle no I got shot too hard at. epics at that battle what are the. citations for uh no license no insurance. no registration from when I was a broke. college kid broke and if these. is hold on.

they. haven't have you not faced more. repercussion repercussions for not. paying what you owe I have um that's the. thing so every time you get stopped with. no license they add a suspension. of as you probably deserve for driving. without a license agreed but well what. it have cost at the beginning if you. just dealt with this like $25,000 and I. paid 15 and.

that are completely gone now in college. 25,000 was owed. yes but they wait so what exactly. happened to mount up to that like I said. it's just you get one ticket and every. they add a suspension every time at the. beginning how much would it have just. cost the first time oh I mean whatever. insurance and there you go why didn't we. do that I didn't have a job or why. didn't you get a job I couldn't find a. job I what you mean you couldn't find a.

job you could have find a job listen I. was going to school 15 hours a day 15. hours a day okay that's a lot but also I. mean life things happen at a certain. point I'm not saying like everything. that I'm about to say here uh in these. next couple minutes is going to be a lot. easier said than done but when life. happens you know every once in a while. maybe we have to take a pause from. school because I mean were you in Waco. yes and it was Baylor I no I went to a a. technical college awes and I only went. there for place to live okay well that's.

just another reason then cuz you can get. a place to live by working a job if. you're not going to school 15 hours a. week I mean you're not wrong no sh I. didn't know I didn't have any resources. I didn't know anything I just got. dropped off there me just got dropped. off there so I turned 18 in foster care. and they dropped me off in Waco I didn't. know anybody I didn't have any resources. wait in Waco where were you uh I was in. West a little city like 20 mil north of. there and wo they just like took you on.

a bus and they're like no they didn't. take me on a bus they took me in a van. and dropped me off like at the like. Health and Human Services offices and. said good. luck that's hard yeah that's hard man. I'm sorry so like I didn't even have. like my ID or transcript or anything and. that seems pretty that seems like some. negligence on their part yeah I mean. that's the foster care system I mean to. not have your ID with you yeah I mean I. hadn't even graduated high school at the.

time I still had like half a semester. left okay did you end up completing that. I had to take a year off from high. school to get my transcripts and. identifying information okay but then I. enrolled myself and graduated wait a I. did I I'm sure everyone's brain out. there has connected this I didn't now my. producer is like Caleb you're a stupid. and I'm like you know what you're not. wrong how the are you driving door Dash. right now. um so I use other people's.

accounts but you're driving without a. license yeah that's why I use somebody. else's account oh my so you're just I. mean you're going to get arrested right. at some point some point they're going. to be done with your I got arrested a. couple weeks ago and on the way home and. it's just another addition to the money. that I owe I mean doesn't there become. some breaking point though where the. judges is like you're obviously.

just scumming around I think we need to. take you off the streets it's traffic. code so they can't do anything more. traffic code yeah traffic codes won't. add up eventually to any kind of well it. is enhanced to a class B but like. because it's traffic code they can't do. anything beyond that if it was like. criminal code then I could actually get. like get jail or prison you know the. crazy thing is sometimes it feels like. our laws you know are very very strict. for what seems like kind of minor things. but then in this case like you're like.

actually like dangerous in certain ways. and very much breaking the law it makes. sense that you should honestly probably. be punished like actually a little. more I mean it's costing me a lot of. money so I kind of you're not paying it. I'm also not making any money yeah. you're not making any money uh okay so. the Foster thing that absolutely sucks. absolutely sympathize with that I get. that and they definitely failed you in. some areas obviously I wasn't there no. one was there we're just heing your side. but whatever okay now we'll take your.

word for it that sucks and then you had. to figure out your way on your own from. 18 now there is a lot of time it's been. about two decades since then uh starting. from aition Advantage position makes it. a lot. harder I know for a fact I understand. that maybe you started school at that. time in order to get a place over your. head because you found that to be a. reasonable thing I can connect those. dots okay that makes sense what I start.

not liking. though is if you. have a little. fine that you have to pay off your first. traffic thing before it starts mounting. to $25,000 or whatever it would have. been okay to take some time off school. pay for an apartment for a year work. work for a year you know pay off that. minor fine pay off our living expenses. maybe even save up a little bit of money. wouldn't have been a luxurious jobs you. would have been dropping fries most. likely and.

and but that would have been fine and. gosh I don't know there there becomes a. certain point. where I totally understand the. background you know and that sucks and. we can sympathize with it are we going. to use that forever does that Define the. rest of your life forever immediately. cuz that's that's just like where does. this conversation go at that point right. yeah I mean I feel like I've been trying. to make changes since then okay well. you're kind of from the sounds of it I. don't know. necessarily know about numbers-wise.

financially but LifeWise pretty much the. worst on this show that I talked to. except for maybe someone that was well. we had a addict to a substance and. another substance so besides that you're. not addicted to a substance are you no. okay but hey at least I so we'll put you. at number three okay but I don't live. with my parents at least no you're. probably relying on your girlfriend no I. make more than Cheetos by a lot. confusingly IL.

hey she how are you making. money um I mean like I said I do a lot. of reselling um Street pharmacist. part-time I guess what are you selling. just Pharmacy Wise just people still. need to do that what it's not legal here. yet so you know I know but they grow. like in half the buildings in Austin you. can just go in and buy it they're just. like I hope this doesn't actually. doesn't accidentally catch on fire and. you inhale there's like weird.

loopholes yeah whatever okay how much. you make from that. um about $180 per ounce okay how many. ounces do you sell how often I don't. know about one every two weeks like I'm. I'm not like a big like dealer or. something I just well that's what I'm. trying to say we're trying to get your. income we had lots of zels cash apps U. metap pay PayPal Apple cash venmo in so. you know who knows what's from what okay.

and then your living situation you live. with her I live by myself okay what's. your living conditions like what's your. living situation like uh my house is. barely. livable what you asthma gold what I I. mean it's cheap so that I stay there no. what's barely livable I mean I want a. little more information here whenever we. had the big freeze like whenever three. years ago no the first one I think it. was a little bit longer like 2019. oh was that four years ago already so.

okay four years ago yeah a bunch of the. pipes broke um do you own this no no I'm. I'm a rener oh okay so landlord will. take care of the pipes no he won't I've. I've been trying to get it done for. since then talk to a pro bono and suici. he's a a real estate lawyer so seemingly. he knows all the loopholes already oh he. probably knows what he can kind of. escape byy with and know that it would. be an expensive and long process I just. wonder if anyone they have it like a. month toon least thing they they don't.

do like you've been doing month to month. for over four years there um so I did. move for like 9 months in. 2022 does it keep you warm I don't know. I don't i' hardly sleep there where do. you sleep I'm so what the are you I. spend my well all my time at my. girlfriend's house cool so let's cut the. lease then right I can't I have it's. month to month you can her lease is. about to in she can't afford it one of. the biggest questions I get asked is. where can I find expert advice about.

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and split the rent I've been trying to. convince her to do that she and she. doesn't want to be near you no she's. afraid of. change okay well something's going to. change right cuz she can't afford her. place yeah I keep telling her that but. that that's her that's not me what are. you guys do you have animals at your. house she has three cats I have three. cats I have two dogs I'm sure the place. smells wonderful. okay as an animal lover honestly I would. have that same I would have like two.

dogs two cats and two cows if I. [Music]. could okay so what's barely livable. about your place like I said uh so. there's basically no running water like. I it works but I have to turn it off to. not flood the house or under the house. um well oh the water like Supply yeah. like all the pipes are broken like in. both. restrooms most of the house there has to. be someone you can talk to that Willen. had AC working since.

2019 um they did send somebody out to. look at it but he was like I'm too fat. to crawl under there and it needs too. much work I feel that and then he never. came back okay well I don't think it's a. legal requirement to require AC yeah I. would assume it gets over the house okay. what else I mean so those are really the. big things like the house you shower yes. I'm like I said I'm at her house like. every day because she has so why don't. we cancel. because she's not okay I have too many.

animals and too much stuff when's her. lease done then in two weeks what's. happening in 2 weeks her lease ends no I. know what's happening I I don't know she. doesn't know you guys I've tried are you. guys adult children I'm so confused I've. tried to talk her into moving with me it. was she dropped off and wo and were you. both dropped off at a cult like I I. don't know what she's. doing she's been she spent 14 years at. Walmart and makes less than $20 an hour.

okay and there's nothing wrong with that. but you're you're you're talking about. it like it's a bad thing are you so if. that's the case then well if that's the. career track that you don't want to be. with why are you guys. together we're trying to help each other. be better is this more of a dependency. thing than an actual enjoyment of each. other I don't think so we're both pretty. independent do you guys enjoy each other. most of the time okay all right. oh my gosh so much here okay it's going.

to be an interesting. one all right where do you think you are. your Finance score zero being the worst. 10 being the best 1.5 okay if you want. your Hammer Financial score it's free. Link in the description below if you. want to apply to be on the show as well. go to Caleb hammer.com apply if you live. in an unlivable. Place feel free to come tell me about it. all right all. right Capital One savior. Savior for.

Sawyer balance isn't. huge do you pay taxes. yes I file my tax return every year. correctly I hope so okay also isn't it. saver not savior there's no I no you're. right well you certainly aren't saving. anything $334 46 $25 minimum. payment okay you made more than the.

minimum but it didn't matter cuz you. immediately put even more than what you. paid towards it on it through purchases. and then there is interest. $661 I mean the credit limit is only. $500 so it's not like you can't even. like go that high thank goodness I don't. think you should be able. to out of the gate just based. on the chaos of your money coming in not. knowing how much money comes in you're. living situation just every part of this.

conversation so far would suggest to me. that you really shouldn't have access to. a credit card you don't seem like. someone who can manage a credit card and. that's not necessarily a bad thing like. who cares you don't need to I don't care. if there's you get cash back or don't. but just doesn't seem like something. that's benefiting you or helping you in. any way when I was working full-time I. had all of when was. that. last uh a year ago was when I was. license which has been gone forever so.

what were you doing I was working for a. pharmaceutical company okay why aren't. you doing it um they refused to give me. a promotion and I didn't want to stay. with the company that wasn't going to. let me how much were you making uh $17. an hour I agree relatively to do that. and fight for yourself absolutely but. have something lined up that you're able. to go to in order to use that as. leverage I was making more door dashing. than I was from my weekly pay chat yeah.

illegally what's that little smirk. what's that little little smile you what. it's not illegal to Door Dash to drive. without a license are you stupid all of. a. sudden I I mean listen I know you ended. up completing high school you know that. driving without a license is a no no yes. but I'm I'm making legal money. not really so you're breaking the law to.

do it I don't know if that equates the. legal money also you're. selling that's not. true so do it now oh uh legally we're. talking legal right okay fair enough. so so why are you putting money on a. card in the end regardless of all that. that you aren't paying off in that's a. crew in interest and usually because I. don't have the cash you eating right.

now not right. now okay yeah so my money is very. sporadic as you probably saw so a lot of. times I put stuff on a card and pay it. off when I actually get money in you're. not paying it off there's interest of. Cent what are you talking about you're. not paying off a card you don't know. what paying off a card even looks like I. PID it off all my cards like less than a. year. ago I don't give a a year ago I care. about right now do I care about a year. ago but you can't say I don't know how.

to pay off a car how skinny 10 years ago. who gives a fat now I don't think you're. that fat okay well medically okay same. yeah I don't. care about a year what is that how. you're going to base everything off of. no but my income is sporadic so like I. pay it maybe we need a stable income go. get your job back I they won't hire me. well no I wouldn't be.

surprised uh huh I asked if you guys. were. hiring okay who did you ask you didn't. ask me no I this is my first time seeing. you okay who' you ask I asked the the. nice lady in the front Lindsay yeah in. the front yeah okay and what' she say. she said you guys had at least one. opening last she saw Lindsay you're very. pleasant you're not getting it a job uh. no. off oh for a friend of yours or for me I.

need a job more than yeah I don't think. you're able to commute here reliably yes. I am no you're not oh. my. okay it's a producer job I I don't think. it makes sense I have an IT. background I I I already do it that's. great that's what and I do production. for no a like a creative producer. someone that helps okay well I'll look. into it you'll look into it and if I'm.

if I feel qualified you'll get an. application buddy the job's been up for. a couple weeks we're probably closing it. out soon we have a few candidates okay. whatever he went inside the grocery. store got some got some Little. Caesars Uber yeah you should probably. only be doing that and dbrand dbrand. theing skin debrand yes because what I. because I break my phone all the time. get a protection in case it doesn't have. to be a debrand one debrand is.

expensive I didn't pay for will love. MKBHD doesn't mean you need to spend. more money I I didn't pay for my last. debrand order what you steal it off of. someone no they shipped it and then they. refunded it what cuz did you claim it. wasn't there no they claimed it never. got they claimed it okay so you got. lucky either way I don't again I don't. care if you got a free one you still. spent money on one and why are you. replacing something that obviously. didn't work it got ran over on the. highway way why the police left it on.

top of the car when I got arrested last. time last time how many times have you. been. arrested once in the last five years I. want to say but prior to that it was. like probably every like three or four. weeks CU that was haven't you called. into Dave Ramsey I think my producers. told me that before twice and did you. get on yes what the did you ask him I. was trying to figure out how to fix my. car situation what did he say um deloney.

said sell the car and hung up on me is. not a finance guy and Dave said I don't. know how to help you I'm going to refer. you to this church in. Austin and they emailed me one time and. never heard back from them are these. clips live I have no idea I haven't. looked you haven't looked I they didn't. give me anything useful there is nothing. to look at you didn't want to like. listen back to the call though like I. would okay well I wanted to.

listen who knows if I find it I'll send. it to you. okay uh so he referred you to a church. yep okay deloney said sell the car Y. and sell the car is the obvious answer. but you have to have the negative equity. to do that so well not necess I mean if. you were talking about paying off the. whole bounce shirt. but it does help you get. closer guys for a few weeks only my new.

debt Mastery class is 35% off plus the. first 500 that sign up we'll get access. to a private live stream where I break. down how I got out of every single scent. of bad debt and how I now use good debt. to my advantage we still have a few. spots available so get in now I'll. answer all of your questions there as. well in this debt program we don't just. focus on paying down debt I'll show you. how to use debt to reach your life's. goals how to negotiate your debt and. frankly negotiate any type of payment. with anyone we'll also go over how to.

curb those psychological and. overspending issues that keep you from. living your dream life this includes 10. tools that you can use to Quicken your. debt Journey check it out guys limited. time only Link in the description below. oh car is gone now so no longer what do. you mean it got repossessed. like dude it's this I feel like this is. just one of those like. Russian toys that you just open one and. then there's another one that you got to. open this is an endless thing. what are we going to discover how many.

people have you murdered are we what are. we going to find at the end of this. thing look I I have statistically. avoided felonies my entire life so I. think I'm doing all right statistically. you mean by the amount of illegal things. you've done you have been convicted the. least amount of times that you should. have no most people from my background. have some kind of real criminal history. I just have traic I see what you're. saying I get that so I'm curious about. that you know again I want to be very. clear especially to the audience because.

they're you know they're not here having. this conversation it's a little. different online than it is just in. person very much sympathize with the. background of where you came from a. couple times now of course we've brought. it up in terms of different things and. I'm it's okay to be proud of the not. being a felon I guess but it almost. feels like you're not I don't want it to. be a weight that is just holding on to. you I don't want it I don't want you to. be 80 you make aist M AK and you say. well I was a foster kid like there's a.

certain point right where it's like are. we victim forever or do we try to pick. ourselves up and go out there does it. make it harder absolutely especially at. 18 of course we're almost two decades. ago later now doesn't mean that there. that doesn't make it harder still you. have less people to rely lean I can lean. on my parents if I absolutely have to. you do not have that luxury so there are. harder things but are we for forever. victimizing ourself or are we trying to.

make the absolute best that's why I'm. here I'm trying to find that's why. everyone's here I know I know I know. well you called them to Dave twice I. don't know okay Dave was pretty. useless I don't have the call I don't. know QVC well I mean no offense but if I. connect you with race soures or anything. like that uh and you don't change your. situation around that's not going to be. my fault I mean I'm not going to blame. you I wasn't blaming. Dave connecting me with one Church well.

I don't know again I haven't heard the. call uh QVC QVC. yes what that got. refunded good my girlfriend wanted us a. Fitbit and didn't want to pay for the. one that she got because it kept. breaking so I found her one for cheap. how'd you find. her um we went to high school together. and what the last six months of it yeah.

and I lived with her um after I left. College the first time when I was. bouncing between couches or no it was. before college did she bounce on you uh. eventually like oh okay very recently. okay glad to hear that. yep okay and then you inside a gas. station C. some which gas station wait wait wait do. you have conversations with your. girlfriend sometimes. I'm being told you're non-verbal with.

her as in he doesn't speak to her that. doesn't mean I don't have conversations. I guess I'm confused on what the word. verbal means usually that means I mean. conversations how how are we talking to. someone and being non-verbal am I being. non-verbal to you no but I had a. conversation with your team before I got. here via text message okay okay okay. okay so okay okay so you guys do not. talk with tongue correct but we sit next. to each other and we click CL click. clack yeah in show yeah is is she not.

not a talker no I'm not a talker I. you're talking to me yes I don't I don't. know you oh okay so once you know. someone you can't talk to them if I met. you not talking then I can't talk to you. really yeah and you met her not talking. yes so you cannot say a word nope all. right um probably need to see a. psychologist but that's expensive. therapist or I'm sure there's Community. Resources I don't know I'm sure you're. affordable for uh you qualify for the. healthcare exchange plans it's four.

people that basically don't make any. money you basically don't make any money. and I mean my tax return says I make. money uh yeah I mean we could probably. get you to see someone like once a month. man at least that would probably be good. for me you sit next I'm just picturing. well no no no no no no jokes bad no. jokes no jokes I like jokes but my. life's a joke well that's just my mind's. going to inappropriate places with with. this text do you text the speech only in.

my car how do you text her that you're. going. to uh I mean I. yeah but uh yeah I haven't like I was. like mute from like second grade until. like I turned probably till I graduated. high school when you're getting there do. you text OMW and an auto cracks to on my. way exclamation point I mean that's. anytime I text OMW but I I hate OMW. sorry I I I I'm not making fun of your.

situation I'm just trying to I'm just. I'm a goofy little boy sometimes it just. need a lot of anxiety medication. probably well hold on we don't know for. sure we don't know for sure just talk to. a psychologist okay I mean maybe you do. but talk to someone first they said it's. an anxiety disorder when I saw them as a. child sure there's different kinds I. have a panic disorder mine's not treated. by medication mine would need to be. treated by essentially just coming over. phobia things and oh oh hey that's part. of why I'm here did this take a big was.

this a big step yeah cuz like well good. job man people that I know like I don't. talk to them so like them seeing me talk. on video maybe oh interesting I haven't. even thought of that yeah that's the. only part that made me anxious about. being here what's like your friend. situation in life friends what do you. mean yeah what are you like friend. groups and friends they all suck um. there there are a bunch of people that. I've like I've financially audited them. and like got them from like a 400 to a.

700 credit got their life together but I. don't know how to do it for. myself all. okay first gen Ultra watch no I was like. well first of all why yeah why do you. have that you don't need that that's. stupid he has the stupid expensive watch. you got a really good deal on it I just. have the stainless steel oh yeah I'm mad. cuz this one's not black. they just came out with the black one.

but I don't want to pay retail yeah you. don't have money you only have debt okay. speaking of that debt let's continue. monthly Auto statement was this the one. that got repoed yes okay so what's the. balance you ow now um last I would have. to double check but I think it's like. 23,000 no after. repo they had a like a $800 fee for. picking it up and then like a $500 fee. for paying the hold on have they gotten. rid of it have they liquidated the asset.

yet no they said they will on the 20th. okay and I literally in days but it's. though the car is yes like it's worth. 11,000 running and driving and it needs. $7,000 in repairs so this might get a. few thousand might get knocked off this. maybe so we're going to say for now I. mean it's reported at. 22,6. 6268 but the thing yeah yeah late fees. and P du P du is. $1,403 yeah I stopped paying it while it.

was sitting in the shop cuz I knew they. weren't going to fix it well you're not. entitled to them fixing it necessarily. if the warranty listen there may have. been fine. printess right like okay. but but they're not really the ones. getting hurt yeah I agree they can. absorb it easily you're the one getting. now all of a sudden you don't even have. the ability to fix this if you wanted to. I mean you're good at cars you could. have fixed it I couldn't get the. transmission for less than $5,000 right. okay so 5,000 um which you know is.

better than a $10,000 car but how much. are we pumping into an $111,000 car who. knows but either way you know you're. you're taking away the choices from you. and then this your credit yes so there's. that I'm planning to pay it off I just. like it didn't make sense to keep paying. no no cuz that's so stupid you may as. well at least have it if you're going to. pay it off it's a lawn ornament what I. couldn't do anything with it yeah but. with 5,000 you could have I'm not saying. that that was the smart move any anyway. but you've taken away all options for.

yourself now it's just gone and you owe. on it and that's it yes but now I have a. extra $1,100 per month was how much it. cost was $1,100 a month my payment was. $707 my in insurance was like. $494 gosh are you curious about OIC or. we GOI but not sure if your insurance. covers it well say goodbye to waiting. rooms and paperwork but the sponsor of. today's video row is here to make your. life easier row is your go-to for. figuring out if glp1 medications are. right for you you can complete the whole.

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like all go a different lot come to. Austin there's lots everywhere how was I. going to get to Austin Uber bus Uber are. you talking about how you going to get. to Austin yeah it's an hour away but you. could get here I didn't have any. money I walked the reason I went to a. dealership we could have got you 25. bucks to get on a Greyhound I didn't. know you guys back then no no no no you. could have got $25 to get on a greyhound. I was about to lose my house I didn't. have anything no I know but that's.

easier than making a housing payment do. you just give up like listen listen. listen things are so much harder but you. you kind of sound like that person on. Twitter where it's just like it's just I. see it endlessly of just people saying. it's impossible it's impossible they're. just done they're done and then I. guarantee if we look at their statements. I mean we already saw so much. spending on that credit card so just for. like I guarantee if I went through their. statements I would see them around we. can get creative we can find Solutions. you just give up in $25 make or break. your life so it's just like at that. point what is the point of this if.

you're able to just if you just give up. like that things are hard everything. that we can talk about in only like an. hour and a half or so is always going to. be easier said than done but done is. possible. still yeah but can we go to like how I. got to this car how did you get to this. car so I was that's when I moved um away. from this cheap house and I was living. about 40 minutes away you're back in the. cheap house now you went I I never got. rid of the cheap house my ex- roommate.

was paying for it while I was gone okay. oh you have a roommate at this place no. he's he's in jail now and I don't think. he's getting out what did he do uh. injury to a child is his charge but he. he was on probation and somehow that off. after injury to a child I I don't know. the details but he's he's gone for a. while sake okay sorry go on so I was. living like 40 minutes away in Temple um. and I was commuting to wakeo for work.

and my car blew up on the. highway why. uh I don't know you've checked your oils. you had your coolants and all the. Bas my ex-girlfriend um I bought that. car from her she didn't believe in. changing the oil every I don't give a. you know how to yes but like it had no. maintenance prior to my ownership it had. how long did you own it before it blew. up like a year and a half and were you. checking on it yes oh okay but it it was.

already worn out when I got it but that. blew up on the and you weren't able to. see that it was worn out I mean it was. running fine but you know I thought you. were good at this stuff I mean yeah but. I'm not going to take an engine apart in. my driveway if I don't have to Ian. listen when you have the ability and it. prevents you from getting a situation of. a car nuking itself I mean I didn't. expect it to well no you didn't look at. the. engine but yeah so I went a month. without a car after I towed that one to.

my job to make sure I showed up for my. shift and I was like I I don't have a. reliable way to make money so I went to. the dealership and took what I could. find one dealership no I started out at. a dealership in Austin they were going. to sell me a used car for the same price. as that new one it was a hard time that. was a very hard time in the car market. yep how long did we spend looking. uh probably week there there's the.

answer give or take and I know it's hard. to be without one especially in a in a. my job was 40 mil away exactly so um so. I get it I get the urgency but yes if we. are in like the worst car availability. time and like since cars were invented. in the United States and you force. yourself to do it within a week that. that is what's going to happen I was. really hoping I would you well you wait. you had a job you said you had no money. you could have if you had a job I know. you could have at least got an Uber or. bus your way through a billion.

transfers they don't have buses that run. from I can't speak for up there but I. know you could have ubered yeah here. it's a lot easier yeah I I can't speak. for that but you could have ubered if. you were making money from the job you. could have ubered the job you would have. had to cut back somewhere else but again. not everything is impossible like you're. suggesting yeah but that was gig work so. it was only like two. weeks good Walmart card 82 $745 $33. minimum the payment you you've given up.

oh why what am I doing here you ask what. you're doing here what am I doing here I. don't think you give a you're done. you're done with life aren't you no I. was done with that car without the car I. can pay all this off easy I don't know. you're it's okay to be a little defeated. but you just seem like you're done I. mean it the car did make me feel not. just the car I'm talking about. everything but the car was the issue. okay. made a big payment but then again on a. card that's crewing $24.90 in interest.

you went and purchased. $583 so I I really don't get the. point guess what we don't have any money. it's how we can't get anywhere we can't. do anything but it's okay guys we're. going to Sonic drive-thru we're going to. have an uh Xbox Xbox game pass. uh yeah and an. apple in purchases or some subscription. water Burger waterburger Samsung. Tropical Smoothie more Xbox $64 what you.

get I couldn't tell you I have no idea. you couldn't tell me what you got for. $64 from Xbox at when was it uh. September October in between September. October oh maybe some DLC I honestly. don't know $64 DLC what is happening I. have not played video games store Space. Storage yeah my my storage unit why you. have a house it's I don't have enough. space for the stuff plus I'm trying to.

make room for my girlfriend's stuff. youru yours she's going to move in with. you I'm into the unlivable place no. we're trying to get one of the other. units you want to rent from this guy no. but it's cheap and it would help us both. save a bunch of money I think it's cheap. for a reason yeah and it's month to. month so we don't have any like I get it. it's just like whether or not I can have. running water that's usually not a. compromise but all the ones that they've. like fixed have it for now so I feel. like we could stick it out for a year. save some money then get into somewhere.

that doesn't suck then another. subscription why do you what are all. these inapp or subscription bull that. you got going on uh it's insurance on my. phone mostly well you have two I have. two phones good why you're such a beast. why do you have two. phones excellent. question I I don't have a good answer. for that what do you use the other. 14 to keep up with the technology cuz I.

what do you have what are the phones you. have s24 Ultra and iPhone or is it for. the selling on the street no I have. different phone numbers for that of. course but same. phones. okay I don't sell one cancel the service. you can't afford it I was planning to. sell one today actually good and then. switch to helium for your other one at. $15 a month can't why you ow want it no. I have uh a business plan and I have a.

bunch of people on it cancel and them I. don't care you're trying to survive you. don't have running water I don't care. but I'm getting a really good deal on. what's your really good deal what's your. portion after like 20 bucks a month okay. well I guess we could say five bucks but. it's not the biggest make or break but. those other people don't pay you yeah. but I got rid of the people that don't. pay I know but other people can all of a. sudden still not pay you're right you're. not a credit card person you don't know. how to use utilize credit cards I want.

you to be able to build your credit. score so you can still use a card like. the Fizz card that's like a debit card. that reports to the credit bureau still. and still benefits you and you can get. benefits and it helps your credit so use. something like the fist card you cannot. use a Capital One Walmart card you can't. plus you're just spending it on. anyway none of this is helping you. there's a spectrum payment other than. that. you're and a Banfield Pet oh do you have. pet insurance on all your a million pets. it's not insurance it's just like the do. you have pet insurance was my question. no okay so what happens when a pet gets.

sick guess what I my job huh I had it. through my employ well you don't know so. do you have pet insurance no okay so. what happens you let an animal die then. you shouldn't have them they're like all. I have though it's not fair to them. you're not a reliable. caretaker can't afford guess what my dog. that little pear that's her name pear. she's a great parir of knees apparently. V I was talking to she also has one they. love to just put things in their mouth.

and just decide that they no longer. would want to be alive cuz they would. rather swallow them Chuck it the Chuck. it ball for all your dog owners out. there she swallowed a little piece of a. chewed up one this big this big no idea. didn't see it happen who knows guy could. have turned away for like two seconds. cuz I throw away every Broken Toy I see. whatever in her intestine they had to go. in twice into surgery for me to keep her. alive it cost $32. $2,000 over the course of multiple weeks.

for me to keep her alive and give her. the chance of being able to live a long. life and luckily she's doing well now. and hopefully she you know lives for. like another decade or so that's great. pet insurance saved my app tens of. thousands of dollars you wouldn't be. able to keep a pet alive because you. can't afford something like a $20 a. month pet insurance and that is not fair. to them you can't afford their better. food. the food that is good for them they get. good food their food is like a hundred.

and something dollars a month per per. animal yeah okay we can probably afford. pet insurance then yeah. probably I have the band feel kill me. now. what doesn't that cover most of it. emergency surgery no if there's like an. emergenc cuz that's the if there was an. emergency that's what gets so expensive. the routine pet visits are really not. the worst if you have to take them in. because they ate something you found it. in the moment they do the little thing.

that makes them throw up that's not the. worst either but if you have to go in. for like an emergency. surgery yes that would you yeah. absolutely also $500 a month for pet. food is what you're quoting me $500 a. month something like that I mean I what. are we doing here like that just doesn't. make sense for you they eat better than. I do you look like you've been eating. pretty good I got all the stacks from. from your lobby. okay con appliances what are we applianc. in what Appliance do you have oh it.

doesn't matter no that's from my. roommate they went to jail what do okay. why why do I have it in front of me give. he didn't have any credit so I I'm going. to kill you right now that is so bad. never do that again yeah I learned that. lesson i' have people that owe me tens. of thousands of. dollars for for for what for money you. lend them or for credit you took out on. their behalf rent uh credit I took on. their behalf all kinds of stuff what was. this uh washer dryer refrigerator while.

he was living there and I was living in. the other City cuz I took my. refrigerator and my washer and dryer you. own the refrigerator in your rental he. sold it for like $200 it was like a. $2,000 refrigerator that the landlord. owned or you owned no the refrigerator. that the landlord owns like the door is. falling off of it I can't use it oh my. gosh dude see if you can talk to someone. pro bono man I don't know how to find. anybody like I've Google I don't know.

Post in Reddit I've talked to the Bor. law post on next door Post in Reddit do. just you go to a moan place and other. people that moan know who moan too isn't. this one of those huh isn't this a mo. place I don't about that cuz I don't. have that I'm lucky enough where no but. you you know people I don't know a pro. bono lawyer in Waco who wants to fight a. landlord. I have a lawyer I have many lawyers for. different things do you have one for.

that I don't and I don't have one that. will do pro bono as far as I know well. that's my issue too like I I exactly so. go to Moon place and ask if anyone knows. that's that's all I'm saying Reddit next. door Facebook whatever it is just I will. I will do my best well that that's the. thing that's the thing with this. conversation is if you never try to. actually do something it'll never happen. but I have tried a couple times what. have you tried like we went to court. and everything they just kind of brushed.

it off well what do you mean by that. that's that's such a they didn't do. anything what happened tell me what. happened like the judge basically said. like you they're not there's no. violations the fridge I don't know but. the pipe the pipe okay well let me see. like let me see if I can find anything. on this cuz I don't know I'm a landlord. it's mostly in Michigan but I keep my. tip top so like I feel like it's a. requirement to like have all of that. stuff like I can't even use the shower.

there because like there you can see the. ground through the floor like I would. fall through it it's a hazard let's see. okay so. 2,948 Ed for this it's been in. collection since 20 23 they're going out. of business. 2022 in Texas landlords are legally. required to repair conditions in a. rental property that Mater materially. affect the health and the safety of. tenants this includes broken water pipes. as these can lead to issues like. flooding lack of water supply or. potential he health hazards however to.

ensure the landlord's responsibility the. tenant must notify the landlord in. writing about the issue have you done. that more than once okay the landlord. then has a reasonable time typically 7. days to address the repair unless it's. an urgent situation requiring faster. action the landlord fails to make. necessary repairs after proper notice. tenants have options such as terminating. the lease repairing the issue and. deducting the cost from the rent. oh that could be interesting so I did. like or suing the landlord in cour I did.

do some Patchwork on the pipe so that I. can at least like do my laundry and. deduct it from the rent I guess I tried. that and they won't do it um stop paying. cuz then he's going to have to go to a. court and get eviction notices but that. Court like you'll be able to plead your. case and you might be in the right legal. place again I don't feel comfortable. saying do that cuz you know like legally. whatever I'm not the lawyer but if you. can just get some little advice cuz that. actually might be the play um it's.

important that tenants ensure the rent. is current when requesting repairs was. it always I've never missed a rent. payment okay and this is from The Office. of the Attorney General of Texas all all. that information you know Ken Paxton I. think so I. think that probably has some standing. agreed I just need to figure out how to. like go about it well again if you don't. do it it'll never happen credit War. that's usually a good sign basically the. worst credit card you can get yeah I. hate them great why do you have it close.

it I don't what close it close it just. call close wouldn't that hurt my credit. more your credit what's your credit zero. what's your credit I don't know after. the repo I haven't looked at it do you. have credit C on your phone one of your. two phones yes open it I thought you you. guys had my credit karma I well I don't. know what who Am I who am I I'm I'm a. guy with paper you're supposed to know. hold on look they want you to look look.

you little look okay I'm looking and. also there's uh they sent me a link. proon texas.org. organizations slm. mission-- legal-services I'm not going. to remember that of course not we're. going to send you that link but it's a. link where you can get connected soing. do it please but again this requires him. actually doing it and whether or not he. will I don't know can't even finish a. protein bar sitting on his lap I'm. trying to I I don't want to eat into the. microphone this is my lunch today open.

you're not Credit Karma well he does the. credit one we are sitting at 53 bucks. okay cuz you made a minimum three. payment the minimum three payment is 30. but fees of course and interest lots of. fees this year so far and lots of. Interest sitting at 30% great great. great great great do you want to look at. this or do you just want me to tell you. just tell me uh TransUnion is 569. Equifax is 5 82 better than I think it. is but also I don't really give a r of. credit you don't have a license so it's.

already hard to apply for things in. general of course I mean you're already. working with the same landlord that. you're going to rent from anyway so if. your credit goes down a little I don't. really care close this account you're. just getting fees up the butt man this. is fees fees fees fees fees we can work. on a credit eventually and I already. talked about the Fizz card you can do. that start working with. credit the thing. is okay I want you to go through our new. our new debt class go through our de. class are you willing to take a class if. we give it to you for free absolutely go.

through it it's a few hours long go. through the quizzes it talks well I'm. going to give you ways to get out of. this by the end of this but in detail. with you going through the equations and. everything the best ways for you to pay. off your debt but the second half is. also the best ways to utilize debt like. someone who's good with debt we help you. learn what debts are good and the best. ways to utilize them and that are things. that can positively affect your credit. and that's when I will allow you to use. credit cards again so go through the. debt class go through the budging class. and the investing class as well of.

course but go through the debt class. please it's free for you it's 35% off. for you right now but it's free for you. I I'll start as soon as I leave please. do another thing in collections what is. this tools so I worked at a shop for a. little while oh here we go and every. damn time no I was going into my career. field yes I know and the little truck. showed up right yep the special little. truck yep he always shows up. ice cream man for men oh yeah they. offered me a $10,000 line of credit oh.

yeah I did not take it good but uh but. 5,725 is still loow that just went into. collections that that went into. collections a while ago 2019 yeah okay. but uh I went to a better job and I. couldn't take my toolbox with me why I. didn't have a way to I didn't have a car. to was it a tool box or was it like a. tool yeah like tool okay yeah okay I. think we could a rent at a $35 truck. from Home Depot with what driver's.

license you're right about that I think. your your girlfriend friend you could. have non-verbally texted them I wasn't. dating her at the time okay you still. had someone a friend right probably. they're not that you could text again if. we don't put any action into anything. nothing works I can come up with. Solutions they're always easier said. than done but they're actually things to. try and you didn't do them so it doesn't. matter it's in collections whatever. for those of you just learning to invest. or looking to sharpen your investing.

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payment no purchases thank you you made. a decent payment to it and no interest. acur to. 29% but that's not where the balance is. your balance is being deferred interest. 160 bucks is currently being deferred if. you don't pay it. off. by last month I'm pretty sure I paid all. of that off PayPal credit is it gone. pretty sure I'd have to double check. okay I'm going to cross it off going to.

cross it off man okay another thing I. can gift you luckily I'm able to gift a. lot of things thanks to great Partners. but go through course careers uh little. assessment on their website go through. it and it connects you with the. certification that you know they think. is best for you based on the career you. want to do different certifications to. different things it can be in trades it. can be in accounting do that we can get. that on a resume help you find a job. we'll gift you going through their thing. for free cool I'll probably do. accounting because I I just signed up. for school again but I'm not doing.

student. loans well how how are how what are you. doing I have a tuition waiver from being. a foster kid that I didn't know about. when I first got into school that sucks. well that's great that you have it yeah. I wish I would have known that $440,000. ago of course there's 40,000 in student. loans. yeah okay regular PayPal 13 bucks do you. is there even a balance on here anymore. uh probably not usually if it's less. than a 100 bucks I pay it off in one. payment 100 bucks a lot of these are.

above that. okay PayPal 360 training and then fan. home 360 training was my TABC I needed. it for okay what about the fair uh that. one got refunded they I signed up for. some thing that was supposed to be free. and they never sent it they refunded it. I'll signning up for things you can't. sign up for things State Department. Federal Credit Union that's my savings. account and uh well yeah and credit card.

yes I don't know what you're talking. about my first credit card wonderful the. lowest interest out of all of them I. think I don't give a it has an $839. balance and I highly doubt that the. interest rate is competing with the. market in any way whatsoever no but it's. better than all the other ones you burn. through yeah if I only take one hit. today instead of two it's better. probably H what are all these Central. Parking Enforcement I got that one taken. off that was here lots of O'Reilly yeah.

it's a 17.24% interest oh my kill me now. yeah interest have gone up it's variable. buddy it was at like 12.99 or something. doesn't matter even at. 12.99 if I open my brokerage app Mumu. okay great I buy the S&P 500 best I'm. hoping for all up your down your. combined best I'm hoping for is like 10. to 12 so when it was at 12 point. whatever you're still. getting interest charge yeah yeah yeah.

minimum monthly payment what was it uh. 35 bucks I think let's see if you know. your numbers is it on there 25 oh I. never make minimum payments license. suspension there it is$. 11,354 I've gotten. probably 1,200 of that dismissed in the. last couple weeks okay so it's about. 9,000 yep give or take okay so I'm I'm.

working on it I had a uh a law office. working on it but they went out of. business and just left me on my own okay. well they went out of business that. happens yeah but like I'm sorry that. sucks but I don't think a business that. is no longer in business is going to. serve their customers yeah it it just. sucks cuz like you know I got to figure. it out on my own or law the link we're. going to give you but that cost money I. said the link we're going to give you. the pro link oh okay you talking about. look I I just want my.

license. yeah talk to them man just have a. conversation if you don't do anything. nothing's going to happen $555 and. 51 we put our $25 minimum to payment. what we put our vacation on that my. girlfriend vacation you're living in a. house that's collapsing and we're. talking about vacation you can't pay for. it to get a license we're talking about. vacation where' you go to a San Antonio. no that was her idea I don't give a say.

no be a human that can stand for. themselves and advocate for themselves I. said that for our. anniversary like huh I I said no for our. anniversary good say no for San Antonio. next time has a river woo has a building. you can look at that was conquered once. yay how much was it. uh I don't know the isn't the statement. there I don't see the spending it was. after that buds oh um I want to say it.

was probably like 7 or 800 bucks total. but like I said she's paying most of it. almost like well how much does she put. towards it like at least. 350 a lot of it was through her job I. could have gone towards getting closer. to a license I.E getting your life back. on track I agree I keep telling her oh. good I'm glad you agreed and didn't do. anything about. okay what is this checking 0 what am I. seeing what is this uh I don't know like.

look at it then zealan is just Zing out. money every second of your life it's. just z z Zs just this is my City Bank uh. checking account that's where all my. door Dash money goes okay beginning. bound zero ending bound zero so this is. zel zel zel zel zel so you're just. transferring in yeah oh I send my stuff. to my main big and that's again how we. don't know what is your money what is. not what is transferred back and forth. what is new money money we don't know. your movie your money is just endlessly. throughout your all your accounts it's.

confusing State Department any balance. dollar thank goodness even though of. course you owe to them $839 on a credit. card T-Mobile checking you have a. T-Mobile checking account that's my main. checking account T-Mobile I even know. that was a thing 4% I have T-Mobile they. uh 4% on uh on your checking balances. great you have $199 in there that's not. I think I got like 500 bucks in there. right now okay it's. making $160 on on a monthly basis that's. free money it is free money Store.

card win in got some. BS Amazon store card statement oh yeah. yeah yeah yeah CL we're cling what are. we cling the stuff that I'm reselling oh. my good what are we talking about like. uh oh did I just unbox another toy in. the endless Russian doll toy what uh. like Stanley Cups collectible things. Limited I stuff what what are you. talking about what are you talking about.

so like you're going to need to explain. this buds so like I'll get like a. limited edition Stanley Cup like the. Halloween one and then I'll resell it. for make like $30 $40 on a. cup why do I put it on a payment plan I. don't know it's easier that way easier. how it makes your minimum payments. higher what are you talking about no. it's 0% interest but it's make but your. minimum monthlies are still higher cuz. you're making more minimum monthly oh. yeah that that makes sense but plus it's. adding risk cuz you could not pay then. you get hit with penalty or interest.

yeah um if I can't okay a Halloween cup. what did a Halloween cup from Stanley. cost uh like 50 bucks okay and how are. you reselling that why is someone buying. it from you because you can't get them. they're sold. out I so some four-year-old white blond. haired suburbs needs her Halloween I. sold one right before I came here made. 50 bucks on it. okay so Karen got her Stanley proud of. her how often do we do this how many do.

you buy at a time like what what limit. two per customer so usually I pointless. like this you can't be making more than. like a couple hundred bucks a year a. couple hundred bucks a month they do a. lot of drops in profit yeah they do a. lot of drops it's not just how are they. coming to you where are you selling it. at Facebook Marketplace um Mari like. that I was using eBay but the FES are. too much I'm not if you can literally in. a spreadsheet to me prove that you are.

genuinely making profits I am not. against this uh it's a bit scummy but. I'm not against it I do take it. reselling too huh I do take it reselling. too that's you take it reselling ticket. reselling ticket like concerts that's. riskier and it's scummy I hate it great. but it's also riskier though yeah but. you know is that one as consistent. profit wise I haven't made it I haven't. taken a loss yet okay I'm not.

necessarily I really think your time. could be utilized in a better way I bet. you could be making more money doing the. time and mental energy you're spending. on this two it's scummy but if you can. prove it mathematically I'm not going to. fight you on it what I will fight you on. is just don't Claret it because it's. making your minimum monthly payments. even harder to manage and it's also. adding more risk because all a you don't. pay then boom you if you can afford to. get it at the time get it. there you go I I will say that oh my. what I return anything that I can't sell.

within the return period okay yeah yep. scum scum scum I get it you do you slamy. but it's legal money it is legal money. you're doing lots of illegal money but. that is legal. money I think it's probably a waste of. mental I think you could be making more. money somewhere else I don't know though. I don't have your data also but either. way just don't clarate it that's what. I'm begging okay and also no airm I.

assume yes I after pay all that great. I'm sure you do don't but Google payment. all of the food purchases is because I. can't cook huh what do you mean you. can't cook like I've started two fires. with Ramen and R the packets yeah and. reheating pizza tell me how you started. a fire with a Ramen one time all the. water evaporated and CAU fire okay the. other time I think I. there nobody ever taught me to cook I. you don't have to talk at the water for.

it to not go away well now I have like a. fear of like cooking in the kitchen you. need to see a therapist like yesterday. listen if you can't if you're too afraid. to boil water because of anxiety then. that's when we need to talk to a. professional I mean I mean I'm not. afraid of boiling the water I'm just. afraid of burning the house down stand. next to it and you avoid it look watch. it Ramen takes 10 minutes max I thought. it was three maybe it's three you can. stand there for three minutes but I was.

put the pizza was in the microwave when. it caught fire was there metal in there. no tin foil no I think I put I think I. put 30 minutes instead of three when I. was reheating it okay then if 4 minutes. passes by and you're like oh it's been. longer than 3 minutes stop. it I have my ADHD is too bad for that I. don't no no no no no I'm not going to. allow you to do that one ADHD will. absolutely allow you to do different. things I think you can set a timer on.

your phone and make sure that you look. at water and a microwave I'm not going. to let you use that to not set up timer. the microwave has its own timer and I. just listen I'm talking about going. forward so you're smiling this is a joke. to. you I wish I could. cook oh you dude like selling out money. T-Mobile autopay up I've asked people to. teach me shut up you're joking through. it shut up.

T-Mobile uh another Stanley thing Target. proof of. pudding you know what I'd hang up on you. too I get it deloney dude doesn't give a. it's all a joke to him it's a joke that. he can't cook hahha I'm almost a. 40-year-old who can't take care of. myself haha it's hilarious guys isn't it. it's so funny haha Target Target Circle. K aala folis Goodwill. Sonic cash app. Amazon I'm done $4 and whatever that is.

$100 in an investing account what I. think I think that's my Weeble account I. got like two grand in there cool take it. out take it out and put it towards your. license that's the best investment you. can make right now if it amplifies your. income dramatically without getting. extra tickets and pulled over can do. that I was going to connect you with uh. a financial advisor from domain money as. well I was going to but.

honestly I think you would just treat it. as a joke so I don't even want to waste. their time I wouldn't treat it as a joke. no no I'm. done we're going to go through the. budget but. I come on man Jing you can't cook food. it's so. stupid I can't set a. timer like so funny guys isn't. my horrible excuse for acting like an.

adult. comedic minimum monthly payments 800. well okay but the car is kind of done. you're not paying on that are you not. right now I'm focusing on like the stuff. that's occurring interest okay we're. going to do 138. then what's your rent 5.95. utilities. uh I say 200.

internet 70 no longer car insurance. right no no longer gas but I'm going to. put in 150 for UB I SP a lot on. gas that's how I got here how much on. gas uh it's about 60 bucks per week well. I'm not going to advocate for you. driving without a license. buddy I mean until $240 and then Uber. doing 150 bucks TP find anything else. you need to survive 100 bucks groceries.

300 cuz you're cooking like an adult I. don't give. a you're going to stand there you're. going to set a timer and we're not going. to laugh about it like it's a hilarious. joke pet food seriously 500 you can. still get good pet food for cheaper I'm. not saying you have to get the cream of. the cop to be a good caretaker I mean I. don't have to buy pet food every every. month I buy big bags so how often then I.

would say 150 bucks a month huh 50 150 a. month for everything for five pets okay. let's see if I can put $200 in for pet. insurance let's see medical co-pays what. I don't have insurance okay get. insurance buddy I don't have a job oh my. you don't need a job to have insurance. how have you existed in society I'm so. confused you literally thought you. needed a job to have health insurance no. but my doctor says I'm healthy.

so one no we're. not. two uh this is so you can go you're not. mentally healthy you can't look at water. so I think I need you to see therapist. and I think I need you to get health. insurance I'm going to put 150 bucks in. there maybe that's what it is after the. exchanges I'm going to say 150 bucks. then I'm going to do an extra 150 bucks. therapy we're going to call it 300 for. medical okay okay phone bill you said 20.

cuz you're canceling the other one in. selling right I mean I can't cancel the. plan but how much for phone 20 bucks is. my part what about the other one. everybody else pays their stuff what. about the other phone your other phone. everybody else pays for everything I. just got the $20 for my. phone and you'll sell the other. phone I'm trying to to sell one today. okay Apple offered me. $500 there you go in Apple gift cards go.

to Daddy Tim Apple he'll give you all. that money I mean we should be able to. live off of. $2,463 a. month that's what you need while having. health insurance getting therapy and. taking care of pet. insurance and mathemat we think you. brought in more enough for that we think. you brought in enough for that do you. pay for her car insurance no she doesn't. even pay for her car.

insurance serious I understand why I've. been trying to convince her. stop. stop I haven't listened to the calls but. I understand why they just sent you out. on your. own listen you're not doing basic adult. responsibility stuff. the basics of Life the basics of Life. cooking Ramen you're not you're not able.

to do the basics and if you're not able. to do the basics I can't get you to the. financial basic of getting out of debt. following a budget I can't I can't if. you're not able to do literal human. survival Basics I can't get you to a. position of getting out of debt I kind. of understand how you didn't get help. because you're not able to do the basics. of literally. being a human being on this planet I.

have a budget when I have a steady. income though. stop listen. man if you bring in $3,000 a month after. taxes not including the. collections 39 or they charged off car. bring in an extra 3,000 bucks a month or. not an extra bring in $33,000 a month. after taxes like all your debt except. for the car and Collections and the the.

license is paid off in 5 and a half. months man it's it's. basic you can do that that's simple what. I actually need you to do is I need to. look at the you need to look at the. exchanges the moment you get home you. need to declare your correct information. see if you can get health insurance need. you to talk to a therapist maybe look at. Community Resources see if you can get. something more affordable follow the. link that we're going to give you for. the pro bono resources to see if you can. get your rent situation figured out and.

like the condition of the home and see. if you can get maybe free rent for a. while at a. minimum I need you to do those if you. follow a budget and bring in as much as. you you should be fully debt free except. for that car payment in the collections. but including the license and the credit. cards you should be fully debt free in. almost no. time but that's if you're actually. responsible to do it on your own here's. the thing and this is what I've been. sent in all. conversation you have the ability to do.

this this is literally months away from. you if you actually do it months away. but it those little things like clicking. the link talking to the pro bono going. to the exchanges website requires you. actually doing it and you don't do. anything so this is relatively simple as. far as as far as things actually tend to. go on the show just requires you. actually doing it and I'm not confident. that you're going to do it uh stick. around for the Post show guys and I'm.

sure there's even more to dig into we're. going to have an extra 20 minutes of. producers are going to come in they know. much more about him uh so make sure to. join that link in the description below. but Hammer Financial score spending a. budget you technically didn't overspend. but we also don't know what was income. it was very confusing you're spending. money what you're smiling you're. laughing great hammer score you I'm done. Hammer Financial score I'm done let's go. to the Post show nonverbal things. curious right yeah has she ever heard.

your voice um I think we've talked on. the phone once or twice whoa that's what. does she talk to you yes how do you guys. go on dates she talks and I text and. she's cool don't talk about Miley like. that to watch the financial audit post. show click the join button below all. right guys I get it you need more. financial audit it so we've decided now. in our membership below you get two. exclusive seen nowhere else uncensored.

Financial audit every month again 384. came in from your job how much do you. think you spent how much did I make 384. you don't think you ever spent oh I. probably I guess I did yeah seven maybe. I don't know also three post shows a. week for every Financial audit you're. seeing right here on YouTube in the post. show we have an extra 20 minutes for. every single episode where we go into. more drama can't find you on Facebook. did you block me on Facebook no M no way. you can join Hammer Pro where you get.

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