This Is The Hardest Episode I've Ever Done | Financial Audit

Hi, my name [music] is Travis. I'm 25. from Fort Worth, Texas and this is. Financial Audit. What do you do in Fort. Worth, Texas for a living? I am a. manager at Whataburger. Whataburger. manager, we've had a couple Whataburger. managers on here. Okay, [clears throat]. so I'm just going to ask this out of my. own curiosity and I think a lot of the. audience curiosity as well. How hard is it to Okay, you want to be a. Whataburger manager and I think I think. I saw that you make 60 a year, right? Yeah, just the base. Is that after. bonuses or before? So, they changed the.

bonus system up a little bit. So, I used. to get like monthly bonuses that were. large and obviously it's like volume. based with like stores and such. Yeah. But those bonuses I really don't get. anymore. They used to pay like rent on. my other bills just in the bonus. So, what is it now? Well, monthly. nothing. They have like a quarterly. contest of like the stores that are in. your area. So, you got like eight or. nine stores that you're competing with. every quarter and then like the metric. is based off of like your speed, your. accuracy. So, there's like a pile of.

money for the district essentially and. then whatever metrics are hit between. the Whataburgers it's distributed that. way. Well, the one store that wins. whatever metric they are competing. against for that quarter, that one store. all of the managers receive like a. thousand dollar bonus. Oh, got you. So, potential bonuses of a. few thousand depending on the metrics. But now yeah, I would say a few thousand. is kind of the potential. 1,000 per quarter. Okay, so $60,000 a year before that? Before that, I was making No, is that.

$60,000 a year before those potential. bonuses? No. So, that is not including the bonuses if I. were to win them. No, no, no. Is it $60,000 a year before. the potential included bonuses? So, it's more than 60 if you get the. bonuses. Yeah. Okay. 60 if you get the bonuses. Okay, perfect. So, $60,000 is what you're. making as a salary. Yeah. Essentially. Okay. So, for people who want to become. a manager at Whataburger or a place like. that, if you want to become a manager,

can you just become a manager? Obviously, there'll be application, there'll be interviews and there's. training and stuff like that. But how. difficult is it for me? I want to go be. a Whataburger manager. How difficult is that going to be for. me? I think it's going to depend a lot on. like the store and kind of the community. that's built in that store because there. are some that I've worked at where it's. like you can just walk in and promote. and they're not really going to care. what it is and then there's some where. you know, you're kind of going to do. that rigorous task. Well, it's Texas. So, let's just pretend there's a hundred. Whataburgers in Austin in the metro.

area. So, I could go apply to a hundred. of them. Some of them are going to be. easy, some of them are going to be. harder. If I want to become a manager, how. difficult is it going to be for me to. land that position? Out of ten, I'd. probably say like a six out of ten. Like. it's definitely going to take a bit of. work because I mean it's a time. commitment. You got to show that you. really know your stuff Yeah. the multitasking like having to be able. to handle multiple issues at one time or. just like stuff that you're working on. Making a sandwich while you're doing. this and having to have a conversation. It's just a lot to But anyone can do it. if they put in the time, work and. knowledge.

Oh, 100%. Very good. How long is that. process from starting to becoming a. manager do you think? So, they changed. it up recently where they've kind of. added new training levels. So, as. opposed to where it was you had your. team members, the orange shirts and then. you had a team lead and the manager. Now, you have your team leaders, you. have your what is it? Your team member, you have your station trainer, people. that can train on station, you have your. restaurant trainers, people that can. train on every station and then a team. lead. So, they've added that little bit. So, that process is going to take it. make it take a little bit longer.

Personally for me, it was about six. months Yeah, that's what I've said. team member to team leader to manager. said. Yeah, that's what I've said. historically. If it's taken more than a. year to be able to get to manager, it's. maybe a different story. Oh, [laughter]. sure. So, there's some strategery around. it when it comes to choosing the right. location. So, that makes sense. So, when. I often say on here for someone who's. like not doing well or they don't even. have a job, they got laid off and I'm. like, okay, you need to make some money. right now. I don't say like go be a. Whataburger manager, but I do say okay,

maybe apply, start at Whataburger. because I know you guys are always. hiring, right? Just for everything. And. it's one of the 24-hour business. I. mean, we got all types of to do. So, anyone can go get a job at. Whataburger right now. Yes. Now, I will say like I have a. pretty strong like I work overnight. early bird and so I have a pretty strong. staff that's really consistent on making. sure that they show up to work and doing. that type of stuff. So, some stores may. be filled in certain time zones, you. know? So, it's like. to be willing to work. You have to be. willing to just take what is there, but. you can go get a job. You can get a job. It's one of those.

there are hours that are needed. So, I've seen some people push back on that, but I think it's just it's good to hear. straight from the source because even if. I am wrong, I would want to know, right? Yeah. So, that's definitely good to. hear. So, you're making 60,000 bucks a. year and you're just the bonuses, a lot. of that's going to be based on metrics. and a lot of the metrics are going to be. based on what other managers are doing. during their shifts as well. So, we're. just not going to rely on that and when. it happens, it happens and that's lovely. and I hope it does. So, $60,000 a year. You in general. you have [sighs].

what you described as Well, you. described a couple of things. First of. all, okay, so I think this is a car that, but. we got a picture just a couple hours ago. sent to our producer. of a car. that looked to me totaled. Was that that. car? Why does it look like an auto debt? It I see where it says auto debt on that. piece of paper. Um. Oh, yeah. Auto loan here Well, It's one. of those so Is this an auto debt? No, that is not an auto debt. It's um.

but no. Yeah, that car was yeah, that. was from last night. What happened? I was Man, I was just. driving home. I'd been moving all day, you know, I was driving a little U-Haul. and dropped the U-Haul off, got mine. and I went to go see. I went to go hang out with the. this girl and everything and. It was It wasn't like that. It was It. was fun. We went to a. a thing. And so yeah, it was We went to. that and um. Oh, man, I'm so sorry. We went Okay. to.

the event and it was like after I took. her back to where she was staying cuz. she has a curfew she's got to be home by. and so it's one of those it's like, you. know, got to make sure you're home by. 10:00 p.m. Um 24. That's a bit weird. Yeah. But continue. You know, so I was. hanging out with her until she had to go. inside and then. I kind of decided it's like, well, um. since I'm right by my old house, I'm. going to go ahead and grab my cats and. like the last few things that were over. there and take them over to the new. house. Did all that, started going to. the new house and uh.

yeah, and then all of a sudden I was in. a crash. And to be very clear, we were. like, dude, don't come if you're in. pain, but you I was very adamant about. coming. very adamant. Are you okay? Yeah. I think so. a questionable yeah. That that yeah, it. had a lot of like. on it. Well, you know, it's like you're. all walk it off. Like you're going to be. good, you know, and you're okay. But. it's like I'm bruised. I'm pretty hurt.

Where? I mean, Oh, dude. But that's just a little bit from the. seat. Like that's next to I don't know. Yeah, I don't know how much that. camera's picking it up with the light, but it looks worse in person. My. stomach's pretty bruised for for where. that part was. Have you gone to see? I. mean, they checked me out in the. ambulance and they They did? Okay. Yeah, it was one of those they were like, oxygen's good and they were like, blood. pressure? Amazing. So, you know, who. [laughter]. It's one of those, you know, I'm proud. of that. Um Sure. Yeah. Surprised that. stress wasn't running your blood.

pressure up, but Yeah, but the worst. part is like I had. my cats were in the car. Yes, how are they? Um they're. traumatized a little bit. They're doing. healthy? Yeah, it's one of those none of them. they don't none of them were hurt, none. of them were bleeding. It looked like a rough wreck, man. It. was pretty crazy. It was like when if. you were driving on the highway and then. there was like the exit ramp. I was. going to exit, I'm guessing and the. right part of my car hit the left side. of the exit. Like Was this your personal. res your personal car? Yeah, that was my.

personal car. I did. I have wraps um campaigns and stuff like. through an app and that app like pays me. money to, you know, drive around in. certain areas. That's cool. And that specific wrap was a 12-month. campaign and the average payout was. around $80 a week. So, what are you doing in car dependent. hell for transportation? Oh, I don't. know. That just happened last night. here today? Um my. Worth, that's a You have to go the. distance. I ran. No, um. [laughter]. I my grandparents have an extra vehicle.

that they have kind of always had. It's. just for emergencies like this in the. family. Oh. And so it's like I have that and then I. told them I was like, I'll have it back. tonight cuz you know, then I'm about to. fly to California. You don't have an. emergency fund. I have I do the I've. been doing Ramsey. I have a thousand. dollar emergency fund. Yeah. And that's. hard cuz it's going to put you in a. worse situation than you were before cuz. this is not enough to cover a car. situation. Yeah. Well, we'll we'll take a look and. see how that all wraps in the end, but. that's why I struggle with that number.

I like a. That's hard. Okay. Okay. So, how close to you How are you How are you. getting to work? Is it like a bus. situation or borrow a car? Or Um so, I I. have looked up the bus situation. I. haven't had that issue since that with. it just being last night. Yeah. Um but my home is only nine. minutes driving away from. my spot from my job. But it does look. like if I can get like a six-minute lift. to a bus station or the train station.

that's close by, I can get to work. within like 30 minutes. Okay. So, it's not too terribly bad, but it's. a. you know. Now, before I grill a little bit, let's. talk about grilling. Whataburger is kind of. in terms of the food, which is okay, but you had a burger. called the mushroom Swiss burger with. the au jus sauce and it was the like it. wasn't only edible, which is. good for Whataburger, but it was like. up here and it's gone. Pull some strings. for me, man. Pull some strings. I want. that au jus back. And then also just one.

more thing, sorry. There's a few things. before we go into that. And then you you. sent on your thing coming in that you're. like addicted to pugs. Uh-huh. What does. this possibly mean? We had no idea. We. tried to search it up and see if that. was slang for anything, and we. struggled. What is addicted to pugs? Drugs. Hugs, not pugs. Pugs, not drugs. I want to take a brief moment to thank. today's episode sponsor, Sounder Mind. I. believe that when it comes to debt and. spending, and really everything. finances, mental health plays a major.

role. And I've been very open and. transparent about my own struggles with. mental health. So, that's why I'm really. excited for today's sponsor. Sounder. Mind is a mental health care app that is. all about getting the right personalized. support to help you on your journey to. feeling better. Taking the first step to. seeking therapy is often the hardest. part, and that's why Sounder Mind is. here to help you set those goals. They. believe in the power of the right care. with the right person at the right time. And with [clears throat] them, finding. the right therapist is easy. Just hop on. over to soundermind.com, answer a few.

questions about yourself, and let. Sounder Mind find the right person for. you. In just 24 to 48 hours, you could. be connecting with a therapist who. actually gets you. They also accept a. wide range of health insurance plans. And if you're more comfortable with. face-to-face interactions, they have. therapists near you as well. So, head to. care.soundermind.com/caleb, or check out the link at the top of the. description below, and see how they can. help you start feeling better today. We are done. I could have asked. [laughter]. We are done. Well, yeah.

What are you addicted to, my dude? Um. it's one of those so as silly as it is, like. really scary in terms of like thinking. about life like not using. Sure. Like. that really like freaks me out, which is. surprising. Cuz have you used that as. either a cope, or like when anxious, it. just helps like. Um I've used it 24/7. So, for. everything. Um I don't like that you. drove here then like that. Yeah. To be completely honest. Um.

But Um. No, I the as far as something like that. in someone's own time, you know, as long. as it doesn't negatively impact their. life, like. Which is how it should be. a live and let live, but driving, I. don't like that. Doing it day-to-days. Like I will say there have been things. in life that I have found that you that. I can't um be inebriated for in terms of. like. I was a cheerleader. If I was doing. cheerleading, like absolutely not. It's. one of those like that is not even a.

thing that I could think about. ask how what method you consume? Okay. Yeah, I'm so sorry. But not like vapor. Oh, well, yeah, like. Oh, okay. Okay. Okay. Yeah. Cuz well, in. general, I really don't like things. going into lungs that aren't air. Air is kind of like. Is it air quality is the number one. thing that knocks uh people's health. people's lives down? Really? Yeah, so it's just like. we don't know the long-term.

ramifications of the vapor type stuff. that come from you you know, whatever. And I've I've never done that. once. Either I'm boring, or I'm too. nervous, or it's just not for me. I. don't know, but I haven't. Um coming. from the musician side, playing the. trombone, the trombone that's on the. floor right there, you know, to lung. health is always very important. So, I. you know, I never did that. Um. So, few times in late high school, early. college, made me anxious, so I never. really did again. But either way,

regardless of the situations that you're. doing it through long-term health and. stuff, we just there's just no not a lot. of good medical science behind just the. newer vaping and stuff like that and how. that's consumed. And of course, if you. feel dependent on anything, regardless. of what it is, anything can be an. addiction. You know, just like. And it's maybe it's the habit that's the. addiction, the going back to it. can be an addiction. Like I feel like I. can't operate on my day unless I make a. pie chart. You know, anything can be an. addiction.

Uh and the fact that you're in that. situation, that's obviously very hard, and I bet that's also quite expensive. Um I have found a way to make it a lot. cheaper than what I have seen in the. past. Maybe no. It's one of those I mean, I used to. spend like $200 like a week. And then now it's down to 80. And it's, you know, A week? Yeah. How? How? have to give us specifics, but just in. general, how? new science technologies. That type of stuff. Um newer stuff is. better, so you less of it.

So, more concentrated. sources? Interesting. That is far and beyond But. it's like that. Cuz I'm not interested in that thing, so. I don't know. Yeah, and then it's one of. those that's like there's that one, which is like the one that concerns me. the most, but then I do have a. recreational um hobby that is becoming. um a problem. Two town. It's one of those so, yeah. It's one of. those that's a lot of fun. Okay. And we've bleeped we've bleeped.

the specific substance. But I was not expecting that, my dude. Okay, so how com- how how common is. that? Um I mean, that one's about $100 a. week. Oh, so this is an ongoing thing? Yeah. That one's more recent. Are you on this right now? No. Well, depending on how right now, it's one of. those probably When was the last time it. was consumed? Like 18 hours. Okay, how often do you. consume this? I mean, daily.

Okay. So, that that's not happy. That's. that's not a we're going to have a party. situation. This is a we're doing this. Every day's a party, but no, yeah. It's. one of those it's definitely a we're. doing this, and um. you know, steps are being taken to not. What are those steps? Um my flight to. California. Okay. Yeah. What what's in California? Um I don't. even know the name of the spot, Which is insane about it. Yeah, it's a rehab. It's one of those uh. good guy, good lad. Yeah, I kind of got.

I don't want to say coaxed into the. situation, but it's one of those uh my. girlfriend, she uh. had some stuff happen, and uh it's one. of those I am not a big confrontation. person like at all in general, and so. it's one of those and I feel like I. should be able to provide, and whatever. you want, I want to be able to give that. to you. Um but like my thing right now. is like I really want to just focus on. building like the foundation, a base, and. if we did choose to, you know, use, you.

know, or um a drink like at recreationally. like on the weekends to have like a. decent time every now and again. I think that. when people are very addicted, you know, that one thing can head down a spiral of. again the daily usage. And that other. one you mentioned is Yeah, it's rough, yeah. That's a scary one. If not like the most. scary. But that's also with that one in. particular, I feel very easy about like just not.

doing that one. That one I don't have. like. you just stopped using then? Because why not? Well, back on your logic. It's one of those so. this person doesn't want their name. mentioned. Um. my roommate. Um he he likes to partake every now and. again. I think you might need to get out. of that living situation. Yeah, it's I. left yesterday. Oh, good lad. Okay, do. you live with your girlfriend? No, it's. one of those she stays in a sober living. house, And wow, okay. curfew, so Yeah, there's a lot more than.

what was written in this. considered living in a sober living. house? Um I wouldn't don't think that I. would want to. It's one of those I have. cats, and I mean, I agreed to take care. of them, and I will do want to be a man. of my word and be like the. responsibilities that I said that I'm. going to do, I want to be responsible. for them. that, but I want you to live, man. People that head down the path of the. one you mentioned, Mhm. it's that's a dangerous path. It's you. know, whatever. We can We we I mean, yes, and we talked about your addictions. surrounding that, and I don't want to. make light of that, but this other one,

that actually scares me. I felt a wave. of anxiety hit over me just even. thinking about that, and just being. scared. for you. Like. Yeah. we're here to do a financial. audit. We haven't talked about finances, we're 20 minutes in. That's cuz that is. It's one of those I came for therapy. I'm not here for finances. Well, I am I'm not licensed for therapy, but I'm happy to talk and give my. uh you know, my own opinion just based. on what I've been through, but you know, I've been through opinions of either a. family member or friends who've been. addicted to certain things. Nothing. related to that substance at all, and I.

mean, the. all I can provide when it comes to that. it is dude, get help. Get help. professional help when it comes to that. And if that if that facility that you're. going to, I'm so glad, beyond glad that. you're taking the step to do that. That's incredible. That's brave. It is. something you should be so proud of, and. I am beyond proud of you for doing that. That is like. top level. The for that substance you talked about,

I know for something. for something more opiate like, usually, which this is not, uh. the success rate is 1%. Mhm. I do not know the success rate for. this one. Um and you're on a daily. consumption, which is not. great in terms of just stopping. So, I I I don't know where my mind was going. with that. I'm just. What what's your what's your overall. plan? Where where have you put yourself.

mentally when it comes to this and. checking into this facility? In checking. into this facility, um. so, a big driver behind why I checked. into the facility was it was one of. those uh. So, it was like my girlfriend just. gotten out of the 30-day thing, and um. then she got accepted to the sober. living, and she was planning on having a. lot of you know she was putting together. like life plans and like wanting to. build a structured life you know and. being able to live and I mean. you become like the five most people you.

hang out around it's like those. qualities are going to be your qualities. who you hang around with is who you're. going to become and so she had to get a. new sponsor for her 12-steps program. that she was working and because the. current sponsor that she has is the. person who is running the sober living. that they're staying at. And so she went. to a new person to try to ask them and. they kind of like talked a little bit. and one of the main things that I guess. was discussed was um. you know you can't hang around with a.

boyfriend that does drugs of any kind. suggest to her. Yeah it's one of those and it completely. makes sense but. once again like if I'm going to be. responsible for something like getting. to a commitment then like I want to give. 100% towards that commitment. And so uh. it's one of those like. that. Okay. I like that but you're doing. this for someone else what about. yourself? I you see and that's the thing. is. I have been wanting to get on a schedule.

with substance use for What does that. mean? It's one of those like on the. weekends you know whenever you're doing. stuff but it never happens like that you. always break schedule and I. can't enforce a. method of restriction you know like the. disciplinary action that I would give to. myself for breaking that schedule. I. can't do that by myself and so it think. it is putting myself in that situation. but I.

I feel that if I have you know that. strong support system that I am working. with to get through this. um Whatever we can do to help of course. after this episode please just let us. know and everything like that that's. so hard. Ah man okay. So on the financial side of. it. is this a free place does it cost money. how is it being paid for? Um so I don't. know a lot like I'm very new into the. whole recovery um but you're already.

signed up? For the sober living? No. no no no for the place in California. Yes it's one of those so I. What's the information around it in. terms of I have pretty good insurance um. for like Whataburger like man phenomenal. if you want insurance get a job at. Whataburger. Yeah. Yeah um. Not good burgers but good insurance. It's one of those so hey the burgers are. nice all right the all-time favorites. were the mushroom swiss was I call those. the flavor blasters. So yeah [laughter]. it's one of those it's a it's a good. spot you got to get the right thing. Dude but I'm telling you uh honey butter. chicken burgers like on what?

Is it is like a little it's a girl's. sandwich like it's a small little. biscuit. Then dress me up in a dress and give me. some ponytails I am all about it the. honey butter chicken biscuit is the best. thing that has been created on the face. of this planet sir. No that is a girl's. we just finished drinking you know when. you just go and like Get me my sex on. the beach drink get me going I don't. really drink but get me going it's the. only one I like because it tastes like. candy essentially but get me a little. tipsy give me those honey burgers and.

I'll be glugging those things down all. day. Excuse you sir. It does have fries in it. I'll give you that but. the sauce is nice. Yes the sauce is very. nice. So nothing out of pocket then? It's one. of those I have a $1000 um deductible. but it's one of those I've already had. like $700 towards that deductible. And how long are you there? Um it's a 30. to 45 day program. and then FMLA so And then after are you. willing to go to group and are you. willing to take advantage of your.

insurance and do therapy? Um yes I. very interested in like looking into the. therapy and as well group it's more fun. with friends so find somebody but. you know I got a couple people in my. life now that would be willing to go. towards that and do stuff like that so. Okay. Okay. Your finances finances are a thing. there's that there's blah blah blah. I. don't give a about it compared to your. addiction. In terms of trying to pay off debt I get.

that that is an extreme emergency when. it comes to life but when it comes to. the drug you're mentioning man that is. far and beyond my priority. So we'll go. through it cuz I I know that's what you. came here for. What is this First Mark. Services? So this is not a car loan but. it's $23,000 at 11.24%. Mhm. Big percentage what even is this? Um. that's um private student loan debt so. yeah. it's a junior and senior year of. college. Ah so you graduated? Yeah it's. one of those I got the. What's your degree? Biology.

I'm not seeing that translate to. Whataburger manager it's a good job it's. a great job actually in fact with a lot. of good upward potential. My plan was to. just be a teacher coming out of high. school. And what happened? Um I started making. that amount of money doing what I was. doing like first year. um and kind of going on it's Yeah but. what about the love and passion did you. have that for the teaching? I had that. for the schedule I like the routine. Do. you like the night? Well no not the. night time at the Whataburger but it's.

like the schedule of going to school. knowing that every day I'm going to wake. up at 8:00 a.m. or 6:00 a.m. and do this. go to school teach this class at this. time this material um have these months. off the schedule of going to school. So. why did we not go into school? It was one of those I was. I was really enjoying working on. building professional skills with. Whataburger and I was making um a lot of. money cuz like with the schedule change. that you I imagine you heard of where. we're working the four days on and the. bonus system changes like I'm making.

less money now than I was. Um but like having a real like quality. of life like I can have time off to be. able to focus on paying debt as opposed. to before I was doing you know 60 65. hours a week you know only one may maybe. one day off a week and it was just like. constant. It's one of those I'm much. happier now making less money. Does. Whataburger know about the situation? Um. they know about my mental health.

suffering right now. It's one of those I. call it an episode because I don't like. the term or like the panic or anxiety. attacks that type of stuff. I want to be. very clear then. Anything and everything you want worked. around on the cutting board for this I. do not want to impact. your income situation and stuff like. that so I want you to have full control. anything that is in here is stuff you. improve approve do not cater to me do. not cater to.

the video. I want you you have full. control don't I'm don't allow whatever I. don't know you know you come from the. audience you might be a fan don't. whatever that might be. don't allow that to influence anything. I want you to have full control. We say. that to everyone but I want to be very. extra clear with yours because you've. shared some very personal information. Um I'm trying to be 100% honest right. now and so. but that's in life not because of you. and so um Well just let us know we're.

going to give you time to think about it. anyway but. I appreciate that honesty and you know. it's you there are going to be people. out there that are relating to your. situation and you know it's definitely. going to help them and that is the goal. primarily but. Okay I just okay. It's a lot yeah. It is it's a lot. It's a lot. So people from high school that are. watching this um. you don't know me. [laughter].

It doesn't matter anyway. for people that do know you and stuff. like that any kind of judgment that will. come from this because you've already. taken the most important step of getting. yourself the help you need by getting. out of plane and going to this facility. that is like I respect you so much you. have no idea. So much like I'm proud of. you I I I I. don't want to. go in circles but. who gives a what anyone judgment. might be you're a bad mother.

for taking care of your. Like. I called him on. Saturday was whenever I talked to him. and. the facility that I'm going to cuz it. was like I just Saturday okay I just. googled like some stuff and it was. Saturday I got in contact I called three. different facilities and I chose this. one cuz um the person I was talking to. like they got like a questionnaires you. had to answer and she said I was funny a. couple times and so I was like all right. we got this you know.

Plus sunny California baby let's go it's. going to be nice. I guess but um What what don't say the. city but like are we southern are we. central are we northern? I have. absolutely no clue. Oh okay it has good. reviews though? Yeah it's one of those. it was one of the better ones that were. rated up there but I showed it to. somebody close to me that has a lot of. experience going to different. centers and that type of stuff and they. were like oh yeah like I she they said.

that they had heard of it they hadn't. gone there personally but I mean had not. heard anything bad about them so you. know in six months for the recap you. know we'll figure it out see what's up. Yes dude yes and this is I I want to say. this. we're going to well no let's get to this. first. but good. So we have. a Wells Fargo credit card you're not. spending on on this which is great and. you're making more than the minimum. monthly payment so that is good there's. nothing for me to get keyed to that. Which one is that one is it the only.

like $200 that I put up towards it? No 372 you put towards it. Okay. $83 interest is being accrued on. this which is definitely maddening and. would normally cause for raised emotions. but right now my raised emotions are all. focused on the. other thing and okay. So. Yeah, 4,783.90. cents is currently owed on this. I did a.

payment of 132 today. Very good. Good. luck. So again, I mean I can't knock. that. You got into the debt. Why did you get into the debt in the. first place? The credit card debt. Private student loans I get it. We need. to complete our degree. We'll take out. any amount of money. That's within our. culture in order to do it. But uh credit. card debt. Yeah, so credit card debt the. reason why I believe that I'm in so much. credit card debt. Um last year I had a. financial goal of getting um 10,000 put. into my 401k and so I was like shoving a. bunch of money over to that and I think.

on top. pretty close to that. Yeah, I got over it. Oh, yeah, it was. one of those and then. the next statement right there is how we. got under it. And so. Yeah, unfortunate. But. Yeah, I got the 10 I got the 10,000. It. ended up being like up to 11,000 at one. point and um then I ended up taking out. a 401k loan out of it just for a little. bit. So it's paid off? It has uh I think. 1,700 left on it. At the interest? 9%.

Uh. Buddy, but what were you using it for? Um I was using it to pay off that Apple. credit card statement that's next. no, no and you did pay that off. I'm. glad but no, no, no. It was one of those. the loan amount was originally 3,100 um. to pay it off entirely but my Apple card. interest was at like 29%. already and I was like. Yeah. It just didn't make sense. If I'm. going to have debt, I would much rather. have more of my monthly more of my. dollars to be able to go towards.

something as opposed to the $150 a month. in interest I was going to get. Yeah, you paid off the credit card. What are. you doing towards the 401k to try to pay. it off on a monthly basis? Um uh so. since Whataburger pays weekly, they just. do the automatic deductions and so right. now I have a So that comes before what. you get paid? Yeah, $30 a week or $20 a. week, one of the two for uh. two, three years. Uh you can do it can well do you. Yeah, I can do extra payments on it to. like the principal balance as opposed to.

letting the fees and interest accrue. After the Wells Fargo Well, yeah, let's. take care of the Wells Fargo for Wells. Fargo is kind of my main one I was been. working on. That makes sense. And then. Aidvantage, so this is your federal. student loans? Yeah, those are the federal student. loans. Okay, with this we have a total. of 18 What school did you go to? Uh. Texas Wesleyan University. Oh, it's. private, isn't it? Yeah, and then the reason why the first. the first mark um student loan payments. were so high was because I was um. and on cheer and I used somebody else's.

piss to um pass the test and I tested. positive for. and I lost my housing What the. Yeah. Is everyone out there doing every. drug known to man? Am I just a sheltered. little boy? Uh yeah. Yeah, [laughter]. yeah. I already knew that. taking something, yeah, they're taking. Benadryl or. I don't know. I take caffeine. There you. go. See. Through espresso. [laughter]. Yours is a little bit more manageable. than some others. Yes, a headache for a few days if I. stop. Yeah.

$162 minimum monthly payment. $18,160. What kind of payment plan is this on? Um. I don't know. I haven't made any. payments toward any of mine. Oh. Federal. student loans. I've been making payments. on my private student loans since I've. gotten out of college. And then with the Aidvantage starting. back up on the 4th of each month, it's a. $164 minimum payment for all of them. Total? Total. I see $162.44. Oh, maybe. $162. I apologize. No, totally chill. And these interest.

rates are probably uh. Under 5%. 5.5 I think is the largest. Okay. Another debt? Um. What was the the was the car paid for? Owned right now? it well, I had bought that as soon as I. graduated high school cuz I was going to. be commuting for my first year on to. college. But then I had gotten like the. a housing grant over the summer for. being an orientation leader and then for. this year leading I got the housing. grant during the school year and so I. had the year round housing at that. point. So I bought a car for no reason. Um but yeah, I put 5,000 down um.

financed 13 over 5 years, paid it off in. um 1 and 1/2 once I got promoted to. manager at Whataburger. Checking account, we started with. negative money, man. Isn't that crazy? Negative. Like if Okay. Okay. That The second one you mentioned, that's a little harder to quit. First. one you mentioned, like yes, there's. issues but we can't be prioritizing that. over. debt or is what I've Negative money in. our checking account. Starting with.

negative $93.37. Ending with only $12.46. What if an automatic payment happens and. then. you stop it you stop and get your little. taquitos all the time. What are you. actually getting at these places? $1, $2. or $5 at these little marts? Arizona Teas. Okay, so. we make some. lemonade and sweet tea at home and we. mix them. Dutch Bros and taquitos and taquitos and.

some bar and grill and taquitos and. taquitos and parking stuff. Uh bar grill, Zelling out $80, Cash App. out 30 bucks, Sheba Hut and potential. taquitos and or gas, always hard to. tell. Overdraft fee $35, there it is. You know, and it's that's the only one. I've gotten this year and oh man, I was. I had the cash. I just didn't. Did you call them? I haven't called them. yet, no. Well, it might be too late. No,

yeah, It's one of those but I've had like them. reversing before. going to say. But it's like. You didn't take proactive action on. that. Green Mountain, what's Green. Mountain? 196 bucks? Um electric. Okay, totally chill. ATM withdrawal 20. bucks, ATM withdrawal 160 bucks, Zelling. out 80 bucks. Are is Zelle also So Zelle. is. for well other stuff. $80 specifically, that is the. I'm like like my toes are tingling Mhm.

of anxiety. Yeah, that's what my toes. do, too. Quick car Quick car. Quick car. Oh, oh, quick hunters. Okay. No, I did go for the more expensive oil. on that one because um I'm trying to I'm. having some issues with the vehicle. Um. now. say you are having some issues with the. vehicle. [laughter]. Wait. Woah, woah, woah, woah, woah, woah, woah, woah, woah, woah, woah, woah. What was this wreck? What was this wreck? Yeah, what was this wreck? What did you. hit? Um I hit like the exit median and.

then I hit the inner median. And that's where I stopped. I have better photos as well I can share. with you. You want to see them right. now? No. Was the other substance. currently existing within your body? Well, substances exist in your body for a very. long time. Was it interacting within. your brain? Nothing recent. of use cuz 18 hours was the previous I. probably wrecked. 12? What time is it now?

It's. You Were you high? It was one of those. uh uh. So again, this finance is not my main. concern. Is it great? No. But and are. you stopping and spending money in this. grill thing and Zelling out for the. all that stuff and Whataburger, Taco. Bell, you know, potential. taquitos and vending machine, some mart, mart. ATM withdrawal $1,200, that was probably. rent. And then, you know, taquitos,

Venmoing out money, 7-Eleven, um overdraft fee, yeah, 30 bucks and it. was the only one this year. But. it's like okay, sure all this stuff. For. most people, that would be my primary. concern and I'd be digging into them but. we know what our primary concern is. right now cuz nothing else matters if. you're not going to, you know, exist. This so this EECU, it's basically. nothing a little bit goes into it from. payroll but not much. Yeah, I do 2% of mine to just put cash.

aside elsewhere. Um Forces you to save. essentially. It but that was kind of. like the building of an emergency. savings. I've learned that put putting. 2% of a check every um week really isn't. going to do that much over time. But it's like I had that going for. a little bit now and it's a little bit. of money and I do that. 357. Yeah, it's one of those that was um. not taking advantage of any uh high. interest at all. But since watching the. show I got that SoFi though, you know, It's great. It's great. I love it but.

Okay, $1,300 in a Wells Fargo saving but. we took it down from 3,200. So we're down a thousand bucks. One of. those. The savings? Yeah. It's one of those if. I put extra money in there that was to. hold off for um storage for the uh. moving cost of everything. But I only usually kept a thousand in. there. I was usually keeping that. thousand cash. um as opposed to anything else. That.

savings I just sent so that way you had. it but my emergency savings used to be. just in cash. And then there was just um. some. bad apples at the house and so I would. did not want the cash there. And so I went and I put it in my savings. and found that. So that's weird but. yeah, my savings just has a thousand. So $9,374 cuz we took some money out of. 401k. Now, how would you allocate this. money? Did you just select a certain. fund? What did you do? So initially what. I had done was I had just threw a bunch.

into my uh employee savings account. Mhm. Um Mhm. The one that you had to pay the taxes on. the stuff that you you money on in the. future. Um. but that was also an goal of the getting. up to 10,000. Like more money's going to. be putting in each week cuz you aren't. paying the taxes on it. And so that was kind of the hope with. that. But. I'm just curious because it's like 30%. or. 23% in bonds, which is fine. Usually. what a lot of financial advisors who I.

have talked into and have learned from, this is not financial advice to be. clear, but just what I've seen for. younger ages, they're more aggressive up. front. Mhm. Uh, so there's nothing necessarily. wrong with this. Well, and I'm not going. to say that anyway for legal reasons, but It's one of those. for my risk factor score, they do it out. of 10. I had selected eight. Um, so. Really? And they still did 30% in bonds, huh? 23%. Well, okay. I'm I'm I'm I'm happy.

I'm I'm chill with this. 25, 10,000. bucks. Maybe a little more, but I'm still very. happy start. have um, well, I couldn't get the. statement for it. I have a thousand. dollars with the IRA with Wells Fargo. So Lovely. Yeah, let's max out the Roth. IRA every year. But again, none of this pales. Well, I don't think the savings. necessarily counts with the 1,300 that. went to it because. that's what you took out of savings. So,

but either way, when we're just doing our pie chart. stuff, BS food and stuff like that is. only 3.2% and a lot of the money went to. that payment 13.5%. Your miscellaneous, you know, it's about 104 bucks as far as. we could tell Venmoing out for like the. The Well, yeah, there's a lot of Venmo and Cash App and. and that stuff. is the other drug? That That one was. typically a hundred dollars a week. I. believe on this statement we see me. Zelle out a three hundred dollar.

thing and that was uh. you know, whenever. everybody's always struggling. Oh, I. can't get it because of whatever reason. It's like, okay, well. Money? Yeah, they don't have money to. get stuff and then Well, that that's. what makes me nervous. If you head down. that path, okay. Like how much have you been doing it? Like. Um, consistently probably about two. months. And so we're right in the start. So you just started. Yes, this is the. time. This is the time. Uh, the roommate. got you into this? Um, I don't remember how I've gotten into.

cuz it's like I've had it before years. past, but it's like been just a oh, every now and again, blah blah blah. Never a consistent place, never a store. I I I really want you to change the. people you surround yourself with. Even. if that's in the workplace. And I love. your job. You you do great and it's. working the hours that, you know, you're. you say you're chill with. Whatever the pressures are around this. the party culture that involve this, we. can do party culture without this kind. of stuff. [snorts]. I need I I I just for when you come back.

from this facility, which again, awesome. that you're doing it. I don't want you. to be in a situation where there's going. to be temptations and stuff like that. I. want you to change that. I want you to. take advantage of this amazing health. insurance. to this. To them. I want to have like a reward thing. I'm. trying to think of like a goal we can. hit for you to be like six months clean. on this stuff and then, you know, like. I I I don't know. I'm trying to think of. something, but I don't know how we would. prove it. uh, go get taquitos. How we could prove. it? Yeah. I don't know. A hair test. Well, I.

know, but like six months clean. It's like, how do we prove that it's. been six months and there was no I'll. I'll have fun. We can have a little cut. I'll test. I'll go and get go to Quest. Diagnostics. and go get a test for you. Not a lot. easier. schoolmates pee. I won't. I wasn't good with chemistry. I just. studied biology. How long does it stay. in your hair? I don't know. We'll figure it out, but. hair I think hair holds everything for. the most part.

And you hair is able to read back I. think six to nine months. So for your 401k, $17,000 or 1,700,000. or 1,700 bucks? My 401k. Loan. Was it 1,700 bucks owed or 17,000? I. want to see. Hundred. Okay. I wrote that wrong. It's one of those all in all you you. know, Wells Fargo has their life asset. or tool or whatever, life select. So one. of my net worth right now is like. negative 32,000 and um. I want to take a brief moment to thank.

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Aura do the hard work of keeping you. safe online so you can focus on other. things with peace of mind. Go to. aura.com/hammer. or check out the link at the top of the. description below. Thanks again to Aura. for sponsoring this episode. It's like my total debts are probably. around 50. Whenever I originally was. starting to pay off debt, um. I was up at like 56,000. And so. Okay. Well, I usually I don't do stuff like. this cuz I don't want to have people. have negative intentions when they come. on the show, negative reasons to come on. the show, but and I don't know how we're. going to do this. We're going to have to.

figure this off off camera and stuff. like that with different testing. Like. I'll pay for testing that's needed along. the way. But if we can get you six. months clean from when you come back, like I will help to pay off this 401k. loan. Like I will do that as a reward because. I. dude, going down a path like that is. scary and I do not want that for your. life. So if we can get to the point. where we're six months. Um, again, we're going to need to figure. out ways to do that and show that where. we've been consistent throughout the six. months. Yeah. And you know, we'll see what's. left on the loan and what we can do, but.

let's figure out something. in our own time, communication back and. forth, and let's have I want to reward. you for really turning this around. because I do not want you to head down. this path. It's a scary path and I am scared right. now. The finances are whatever. And I. know they. they're much more forefront in your mind. than they might be. for me because I'm taking the other part. very seriously. So, let that be the goal. or and the reward.

It's all the thing, man. Yeah, cuz it's. one of those like whenever I was talking. with the facility, it was one of those. they were like, all right, well, we're. ready to go now. Like we can get you to. the airport, send you on a plane. And it. was one of those I started crying and I. was like, no, like I got something I. want to do on Monday. So Oh, no. Like I. really wanted to come to this. [laughter]. Okay. Well, I'm glad you're here. I'm. I'm really glad you're here. Hopefully I. was able to help in some way with with. this. Uh. really. you're on the path to paying off the.

debt. You're on the path to paying off. the debt. You've done that. Well, I. would cut back the extra spending, of. course. Of course, I would cut that. back. What I prescribe to you and let the. experts at the facility do it better. Uh, but when you get back, at least. every other week, preferably every week. with your great health insurance, uh, a therapist that focuses on. addiction. I really want you to consider. that and consider group as well. I have no experience with group, but I. know it's been very helpful for many.

other people. So I want that to be. something that you consider. Again, I have a feeling that when you're. leaving this facility, they're going to. have, you know, their resources and instructions of what. you should do from there. So I would. definitely take their advice, but going. in, that's something I would heavily. consider. Yeah. I have a. app on my phone that lists all of the. dates for group meetings and they're. between like a bunch of different uh. Have you started? Are you waiting? It's. one of those that thing that I went to. with that girl that I mentioned at the.

beginning. Yeah, we went to a meeting. Good. How was that? It was um very. small. It was the smallest meeting that. I'd probably been to, but it was uh. it's good, you know? It's like not. everybody talks about how they feel and. that was a room where everybody said. something. Yeah, very good. Do you Do. you think it was helpful? Something. you'd go back to? Yeah, maybe not that. specific one, but others, you know, like. there's a community out out there for. people. And do you have someone that you. could rely on, you know, like a sponsor. or something like that?

Uh, haven't gotten to that point yet. Right now we're still in the you know, life is falling apart phase. Yes. Yeah. Yes. Life. has started to fall apart, but you're. catching this early. Yeah. And then the. fact that I crashed my car last night, like woo, we just can't even. just write it off. We'll get a new one. later. No, it's a. You're 25. You have the potential to have an. amazing life and even retire, you know, million, two million, potentially three.

million bucks depending on how you go. throughout things. I want to hit That's. great. There's no point in getting there. if you're not going to live past 50. Yeah. So we need to take care of these. things. You're headed down a dangerous. road, but you've recognized it and. you've taken the steps to, you know, fix. it. You're only a couple months into. this and that is optimistic to me. Among. the dread, we're so new in this. potential addiction that people spiral. into that you can. Does your family know?

They Well, I wasn't going to tell my. family that I was going. Whenever I crashed the car last night. and my mother came to pick me up, I did. let her know that I was going for my. mental health. Good. Um. Well, they don't know. And then I was. like. you know, like I told I told my family I. was going to be on this show. Like they. might watch it, but I knew it like going. on to this show that I was going to be. truthful. So. Wait, can you cut whatever you want cut. though? There's there's no obligations. Um what you want to do? Well, uh just think long and hard about it. Long and hard about it.

We'll probably take editorial Yeah. things as well just to protect you from. what you know. um. But yes, okay. We have that. Like. we can work on a budget. when you get back and do some things. We'll we'll you know, we'll communicate. back and forth. That's not my primary. concern right now again. So I don't want. to talk in circles, but or just beat a. dead horse. Whatever saying you can come. up with. Let's get you there. Let's get you.

through that. I want you to fully. mentally focus on that. You have a little bit. Um Okay. So. will minimum monthly payments be able to. be met? I have set up all my stuff for. the auto withdrawals. I have moved my. emergency savings into my checking and. then I will still be receiving um pay. for the time that I'm out of work. Yes, I have given all my information to. my mother so that way in case there's. any bills that come out, she's able to. check it and take care of that.

I don't want you to think about finances. for a single second. I know you're. stressed about it and you've learned the. Dave Ramsey method which is totally. good. A lot of people have been. successful through that method. Totally. chill. I don't want you to think about finances. for a single second. I want you to focus. on you getting better, taking care of. your mental health, taking care of your. addictions, and coming back and then. kicking this in the and living an. amazing life like the bad. you are, yeah? Yeah. Okay. That's primary concern number one. I believe in you, man. I believe in you. We'll figure out something for a reward.

mechanism just out of even Yeah, you. don't need it to get better, but I want. to root for you and be like yeah, celebrate. Like. just get excited and have whatever that. reward might be as just a gift a gift. Not as a you know, carrot on a stick. type thing. It's an actual gift to. celebrate. So let's do that, man. We'll. figure that out. Uh but do you have any. final thoughts? Overall, tell your friends that you're. proud of them. It's one of those cuz that means a lot. to people. I'm proud of you, man.

I'm proud of you. You're back. Yeah. Financial audit. [music]. Financial score right now, there's. really not even a point to give it. I. mean it's it's probably something like a. one out of 10, but that's not again, that's not what matters in this. conversation. So he's headed right now. to get on a plane [music]. um and uh we've given him everything. beforehand so that he can [music] review. it on the way. He's going to listen to. the audio on the way to. get anything cut that he wants to. Such a hard conversation and we're going.

to make uh also liberal use of cutting. things as well. So trust me. Whatever's. in this episode however intense you. think that is, there is a lot more that. we cut. So. I wish him the best of luck. We are. going to be in constant communication. with him once he gets back and we're. going to help him along the way and I'm. going to make sure there's like a cash. prize to help pay off [music] that 401k. loan and stuff like that when he gets. back, but. man, [music] I I know I just told you. this a few seconds ago, but thank you. for being a. and for telling your story on the show,

for helping people out there in the. audience and we wish you the best of. luck and I'm excited to see you again. for you to turn that life around. You're. amazing. You're awesome. Don't forget to. check out those resources linked in the. description below. They are what I use. or would use in specific situations. [music].