This Walking STD Pisses Me Off | Financial Audit

she called me saying that she had an STD. so you consider this STD test to be. but not all the going out to. eat yes it wasn't so don't try to come. in with that don't try to make yourself. look like the good guy out of a sympathy. play um Lucas I'm 25 and I currently. living in Houston and this is the. financial. audit the financial audit it's back. again so thanks for coming over to. Austin and what do you do for a living. in Houston I have three jobs um who yeah.

uh so first job is uh I guess the day. job Monday to Friday mornings most of. the time and that's I inspect welding. using x-ray how many Monday to Friday. morning so it's just like what 6: to 10: uh it kind of depends sometimes I'll. come in like 4:00 a.m. uh some days I'll. come in at 11: a.m. how many hours a. week are you working that job it's very. inconsistent not gonna lie okay um like.

since the storm hit Houston the week. that the storm hit I didn't work at all. makes sense the week after the storm hit. I worked one. day and then the week after that I. finally is there an average what are you. Thanos what is happening on your hand. right now this is the probably the. number one reason why I'm in debt really. okay we'll talk about that in a second. sorry it just caught my attention we we. were just chatting for a little bit and. I literally did not see it put him on. before uh we we started so that's funny. okay never had a ring in my life you I.

mean I don't think any of these are. going to fit you to be honest but no. probably not well I don't know actually. our fingers are pretty similar uh. but Okay cool so you don't know how many. hours you work at that job it's not. consistent but I say I say a base 40. just average cuz sometimes I work 60 you. know so across all jobs no across that. one job a month a week 60 hours. sometimes and you worked one day no no. no so.

the Monday Friday some like so for. example like some days like three days a. week you know just depending on how busy. it is what okay I'm sorry that's I'm. confused what are your other two jobs. okay the other two jobs uh I'm a bouncer. at a bar oh okay that I usually work. Friday Saturday and Sunday night um it's. pretty good uh I mean I probably get. somewhere close to 20 hours a week just. doing that and your third job third job.

uh is I work at a jewelry store uh I'm. office associate technically is that. where you got those from uh partially. some of these I went to a custom jeweler. how many hours a week do you work at. that one uh that one is a lot less I. usually work like once or twice uh a. weekend or not a weekend uh a month but. like on on average how many hours a week. do you work through all these jobs a. week varies but average average average.

i' say around 70 okay so that's what you. meant okay what's the best paying on and. what's the worst paying on uh well. hourly rate it' be the bouncer jop is. the best hourly rate okay um well Less. hours and the worst the jewelry store. job uh okay that's the worst so why are. we working 70 hours a week right now uh. and then also why the are you in so much. debt working 70 hours a week what are we. doing here because let me tell you the.

progress wasn't really made I'll let. that be known yeah uh. so I mean it it started before I was. working three jobs and honestly I had to. basically get the third job for two. reasons one struggling with paying the. minimum payments just the minimums okay. well not I mean one of them I'd put more. into than just the minimums yeah but you. were struggling to literally just pay. only the minimums yeah okay so your. needs were just out of control.

contr uh needs slash uh exploits I guess. you could say or splurging on okay yes. okay sure um but yeah and then the the. second reason was uh I got the the day. job cuz before I was just working the. bar and then at the jewelry. store uh. but my so I had a girlfriend for a year. we broke up for year but we were still.

having classic and uh she said she was. pregnant oh um yeah uh so I was like. well I got to you know start busting. some ass and really try to get out of. this debt that I'm in yeah you should. have busted her ass well yeah that I. mean that are just pulled out but. um um but any so look at how satisfying. he is he's so happy.

[Laughter]. um but then uh came June when the baby. was supposed to be born uh so me and her. weren't living together oh sure um but. we were planning to move out a month. after the baby came you know cuz the. first month the baby's really. susceptible and I was really supposed to. go outside much cuz were you seeing her. during this time did you see her through. the pregnancy yeah we were together but. not living together you know and then. work in three jobs and me hardly had. time to really do stuff okay go on um.

I'm. intrigued so apparently early June she. went to the doctor cuz she wasn't. feeling well I didn't she didn't tell me. about this okay and when she went uh. basically she found out that the baby. wasn't. mine oh yeah so interesting uh but she. didn't tell me that were you guys. exclusively. didling uh or I think we just didn't. talk about sure it um okay but uh yeah.

she definitely didn't let me know that. she had anyone else sure let alone. unprotected okay um yeah risky. definitely. risky uh what was I saying so so she had. a baby that's not yours she found out. then after she found out it wasn't mine. she still went ahead and uh she gave. birth to the baby without letting me. know either and just kind of let me I. guess just you to think that she was.

still pregnant cuz we just hadn't seen. each other very curious to see how this. got you into that but go on and so. then uh at the end of last month or the. beginning of last month she finally went. ahead and told me that uh the baby. passed away this you mean last month. like last month last month yeah like. from right now okay wow really yeah um. that's tragic it was I mean definitely. one of the worst feelings you can.

imagine yeah um let me sit with that for. about two weeks until she finally told. me the truth you know about is happening. okay what what was the truth the truth. that she had with someone else and. that's truth okay so did the baby die no. the baby's healthy baby's fine so she. told you the baby that you thought was. yours died yeah instead of telling you. that she someone else yeah cuz she knew. that basically she was going to lose me.

and you know she loves me what how does. this mean you got into debt well no I'm. explaining why I got into to the third. job and why I really started oh because. you were ready to start working for the. kid yeah oh. okay I get it and now are you. maintaining to hopefully get out of De. or oh I mean yeah I mean I just with. that. situation uh you know thinking that my. baby passed away yeah that's horrible I.

still was in the mindset of like well I. still have to work cuz I still have to. pay everything that I owe you know at. least make the minimums so the fact that. I didn't really have the opportunity to. take off work yeah and really grieve M. was very unfortunate the same thing. happened last year when my uh remind me. how long did she allow you to think you. lost a child and then say that you just. never had a child uh so she allowed me. to sit with that for almost two.

weeks honestly makes mistakes that's. yeah and mistakes are okay to do but. this just happened so she's a right now. and hopefully she gos beyond that but. that's up that's up cuz one you did kind. of lose a baby twice yeah you thought it. died which is the worst but then also. the baby that you thought was yours you. also just realized just isn't yours yeah. but it was a it was a big relief though. you know the baby was fine cuz I mean. before that I mean it was a wreck I mean.

at no lower point in my life and then. after she told me the truth of. everything I went and got hammered at a. bar with my friends okay kind of you. know and this is why you're in debt cuz. you got hammered with your friends no. why the are you in debt why are you in. debt I'm in debt what is. happening okay I'm sorry to a sad story. it's the wild story um interesting wild. but why are you in debt I think when I.

was younger I just man I like At first I. started off with $10,000 what's younger. like three four years ago okay sure um I. was I thought you know like 10,000. wasn't too crazy you know and and then. it just continued to snowball and 10,000. what you went into $10,000 hours of debt. immediately not immediately or you had. 10,000 like credit limit and you thought. that was what are you talking about. 10,000 not too crazy basically with. some of my cards combined at like you.

know a couple years ago it was already. around. $10,000 they're they're balanc yeah. balance or their limits balance okay so. you're at $10,000 gotcha they're what. just like just like around. Rings round Rings what what are you. Rings what what is what are you what is. this this like an obsession. so. it's I don't know I mean it's a really. nice to look at you know like and I I.

feel good when I wear them you're not. going to almost get another woman. pregnant if you keep wearing those well. I don't wear them all at the same time. it's actually good birth control oh then. maybe I should wear them more often I'm. yeah I I'm just kidding with you but um. is this like act so a lot of the debt. was because of these Rings uh I say a. significant part uh because so with one. of the cards which is where I put most. of I guess the.

funing towards these I guess you towards. these so what walk me through this how. much cost what what what is what let's. see this one cost approximately around. like 3500 oh my oh my kill me okay uh. wow green diamond. ring. um kind of got it partially for the. Eagles one Diamond like one green I. guess you can see it's green if you're. like literally like this close to it. yeah but you know represents the one.

Super Bowl they got so far yeah um they. should try harder next time and then uh. this one was actually the first ring I. got this one was about. 2500 okay um I got this after Kobe. passed. away uh and he was purple well it was. Lakers okay sure and then I don't know. that part this. one uh so like like I've probably I. mentioned to you earlier uh I go for the. angel. and the Dodgers yes uh that's baseball.

right yeah so sport where nothing. happens yeah yeah so the center one. represents the Angels uh World Series. win the six sapphires represents the. sixth World Series they won while. they're the LA Dodgers and then the one. tanzanite represents these are very. sentimental rings and how much was this. this one is probably the most expensive. uh the Center Stone how much was it. well how much was the center Center was.

almost. 2,000 it looks like it's like Beed or. something like I don't no fans no but. like yeah I mean what um but yeah this. one probably r me close to four all. together for Grand and then this one the. Center Stone was a th000 and then the. rest of the Ring itself was probably. know that that 2,000 on this one uhhuh. and then I have both my gold chains.

so both of these are about 2500 this one. used to be longer but I cut it down I. want to make fun of this so bad but I. just really don't like it's just okay um. so yeah so but the one thing is uh when. I put this on the finance card Finance. card it's called the finance card no but. I mean as the Jew oh financing the Jew. St the jewelry stores card their. financing card okay thank you so um very. obscure with the words you say like a. very general term just hoping I know.

exactly what you're talking about so uh. they offered deferred interest sure for. 12 months oh you beta um but of course. me not really being responsible okay I. didn't pay it off in those 12 months so. if you don't pay it off in those 12. months all that interest gets slapped on. when when did that get slapped on after. was after 12 months after I purch when. when did it are you kidding me okay.

sorry sorry sorry sorry we're best. friends we're best friends. when uh did that hit well I bought these. all at different times if you're still. investing on basic brokerages like Robin. Hood for the love of everything in this. world consider switching to better. Alternatives like Mumu which is my. personal favorite investing app and the. official brokerage partner of this. Channel and the sponsor of today's video. just like Robin Hood Mumu offers no. commission fees on US Stocks ETFs or.

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my audience's financial future and for. supporting this channel now back to the. program uh we did the Deferred interest. hit the Deferred. interest I guess this one hit. March uh. 20 22 okay couple years ago okay and so. that was so this been rolling the deaths. has been rolling pretty much because I. was paying minimum payments on on these. and is that all your is that your.

collection is this your entirety of this. is all I really have to show for do you. wear how often do you wear these things. I don't wear them too muchmore oh let's. sell. them so oh great so lack of sacrifice. okay yeah no uh the thing is oh sure. what I came to find out when I triy to. sell I guess this chain okay um even. though I get 50% off at the jewelry. store I work at. what I would get offered how do they.

have margins on that are are we saying. the margins are already like 95% well I. think you also have to put into. perspective the work that they pay the. Jewelers to make it uh so it's partially. and then whenever you go and sell it to. a pawn shop for example they only pay. for what the gold is like worth in the. sense of we so even though you get 50%. off I get 50% off um I only make about. 50% of what I bought it for originally.

you you'd only make so wait so you got. it 50% off but it's only worth 50% of. that so it's worth 25% of what the sales. price would have been pretty much if we. were to sell it through a shop the F did. you buy I was unaware through a pawn. shop that's not the only way to sell it. though it's not uh you can try to sell. it privately yeah but it's more. difficult and most people on there are. trying to low ball you as well of course. of course and uh only want to pay what. the gold is worth in the S if you sold.

all this what would you get. conservatively all of this all of this. stuff that looks like you could buy from. the dollar. store uh less than 10,000 for sure uh. maybe five to six okay 5 to 6,000 do you. still have the debt on these. things. yes uh what's the interest rate on the. debt. of. those approximately somewhere between 25. out of.

30 that's that's. insane so you lost 50% of the value. immediately you lost 50% of the value. immediately and then there's an. additional 30% you're losing on the. balance true that's. insane but if I were to hold these for. longer eventually they will be worth. more because the price of gold goes up. oh you're going You're Going literally.

just off the price of gold I mean as. Skyrocket did yeah during the. inflationary period gold Hedges well. against inflation. absolutely but I. mean it's just not as fast as well not. only that is it appreciating at 30% a. year no is gold appreciating at 30% a. year no I don't think so is it no last. 10 years gold is up 22% 22% for the last.

10 years and you're losing 30% a year so. sell it and get rid of it what are you. talking about in what world is there. that makes sense and also that's a. return in terms of Investments if I. invested in the stock market and I only. got 20% over the course of uh 10. years I'd be changing fund managers I'd. be changing index funds that I'm. investing in true but I I think it's. just the fact that the amount that I've. spent on them and the amount that I. years 20% no that's can't this this.

website one second let me I want to. price this correctly let's get gold. Futures okay Last 5 Years gold feature. yeah 60% okay well that's. different all time the gcw z00 is up. 39.9% I I'm the price of actual gold. like I don't know I don't I don't chart. that because I don't follow this it's. pretty complicated yeah but I mean if. the dollar ever becomes worthless. I have gold which always holds its value.

what did you just say I was just looking. at this but I feel like I just heard. something moronic I said I that I mean. if the price if the dollar ever becomes. worthless then gold is always worth. something you think that is going to be. your main concern I'm just saying it. buddy people are going to shoot you if. you have gold if the dollar becomes. worthless I have a gun too though yeah. they're going to have like a bazooka or. something I don't know all I'm saying is. that's not going to be the concern. when no offense you're I mean you are.

technically right technically but if the. dollar goes to is absolutely worthless. the number one economy in the world the. world leader the military superpower if. it goes absolutely worthless stock. market collaps no economy or of bullets. bullets and. rice that's what's going to be traded. yeah fair enough and I apologize to the. audience I'm trying to get some good. price tracking on gold and a live a live. view but this is Absolut I can't find.

any good real tracking things here yeah. it's it's pretty inconsistent but either. way I know it doesn't on average compete. with the S&P 500 that's. correct uh I trying to think something. else I was going to say but yeah I thing. it's just the fact that the amount that. I spent and the amount that I'd get back. makes me want to just go ahead and just. hold it uh cuz on that card that I owe. now it's approximate ly 6,000 or so.

6,500 maybe okay um so I see a light at. the end of the total compared to what it. used to be or I guess it never exceeded. the credit limit but I don't plan to. spend more money. on these. items anymore no more jewelry for me I. mean I might eventually once I'm better. situation cuz I do have the stone for. this last. ring but uh not so much the funds to.

make the ring yet so it's just a stone. that just sitting there. that's and that's really more important. than your future to be clear no but like. I said. eventually when my situation is better I. would like why don't we speedrun it. though can't you you can get things like. this in the future like this no for what. it's worth none of these are about a. lost family member or anything they're. about a sports team who who gives a.

yeah money.com has from when the United. States ended the gold standard in 1971. to now the average yearly return all up. all down for gold has been about. 7.7% it's not horrendous it's not bad. but again you're losing 30% a year on it. it's that's where it's very different of. course you know I'm aiming more for a. 12% return on a yearly basis so again. it's not where i' put my money that. being said I know that it can be used as. a good inflation Hedge. and uh you are losing a lot of money on.

it cuz you're at 30% which is absolutely. ridiculous and Beyond. stupid well we all make mistakes when. we're younger yeah but I'm just saying. maybe we cut our losses maybe we cut our. loss okay well let's get let's get and. the your your finan your financial. situation mhm I would like you to give a. score from 0 to 10 where do you think. you are zero being the worst 10 being.

the best. oh. uh about a. two. okay uh cuz like I said I mean. struggling to make minimum payments yeah. isn't great mhm means I don't really get. a chance to take time off hence with you. know the passings and things like that I. mean that's what's really been I guess. the hardest part about being you know. trying to make the monthly minimums was.

that you know like I can't afford to not. work yeah um so if you want your Hammer. Financial score free Link in the. description below also if you have. interesting stories if you have I guess. a bunch of Rings or something like that. a bunch of chains interesting stories. different things like that feel free to. go to Caleb hammer.com apply we're. always happy to take a look at every. application and consider people to come. on the show let's start going through. the debt we've been talking about you. know just one an interesting story from. you. uh it explains how you got a job doesn't.

necessarily explain how you got in the. debt but I do understand the jewelry. part but we have a Best Buy card here. are we in a Best Buy credit card because. of jewelry no so originally when I. opened that up uh I went to just buy a. laptop uh and they offered you know like. 12 months of f interest I believe and. yeah you're great with those you're. great with the Deferred interest have we. learned any lesson well that one I did. pay in time okay well I'm seeing a.

credit card balance regardless so um one. that's not being paid off by the way so. thing about the Best Buy card eventually. I started using that to pay for my Now. dog that passed away last year yeah I. used to pay I used to use it to pay her. uh her basically her allergy pills cuz. she had really bad. allergies and uh those were expensive. and my brother wouldn't pay for them my. sister was in. college uh my mom doesn't make much.

money and my dad's definitely not going. to pay for it yeah so it was mostly set. on me to pay them uh and they get pretty. expensive uh so every month every few. months just depending on how I wanted to. do it I was spending money purchasing. them and it just kind of just stacked up. until eventually started until I. eventually PID try to pay it off okay.

all right yeah that was a whole lot of. like nothing no offense yeah I get. trying to take care of a sick animal and. that is okay if the only situation is to. put it on debt but then we do everything. in our power to pay it off yeah it was a. horrible explanation for why the you're. not paying it off now it's all you. bullsh spending you make a payment. towards it and then you immediately. build the balance all the way back up.

yeah I mean that's so that was just a. lot of B that was just the that was just. you try to do a sympathy play to try to. make yourself feel better I understand. way you got it there in the first place. and then you pay it off but it looks. like you could have paid it off cuz you. put money towards it but you immediately. it by going out to eat every second of. your life so you're allowing interest to. acrw we have a balance of. $1,122 $23.70 of interest is acing $30. minimum through payment you. put.

$856 188 towards the card which is. incredible yeah let's pay it off but. then you wrecked it all the way back up. again with. $721. spent so like what is the purpose there. that was not to take care of a dog it. wasn't so so don't try to come in with. that don't try to make yourself look. like the good guy out of a sympathy play. cuz no offense that's going to piss me. off because guess what it's all bull. spending. well so I don't want someone to be fing.

with me because that means you're not. taking accountability of your actions. that means you don't actually care about. getting out of debt that means you don't. actually care about paying off this card. because you're going to try to make it. sound like a Sab story instead of what's. actually happening right now so what I. was using as my day-to-day usage card. was my Planet American Express card but. when those minimum payments became too. much I started using the Best Buy card. instead. which what does that tell.

us why in your mind are you allowed to. continue this lifestyle if all the money. you were spending on going out to eat. all these little purchases stacking up. that were all your choice not needed to. survive in any way. whatsoever why do you think that we then. just move it on to the next card because. something was getting sacked up too much. for the minimum payments so we couldn't. afford it in said maybe maybe we act. like a mature adult and just manage a.

budget well the minimum payments on Best. Buy card was a lot lower it's not about. the minimum payments buddy if you. wrecked up too much on another card how. does it make sense to continue that. lifestyle onto another. card yeah now you put it that way and. you try to say that this is because of a. Dying dog it's not I said why I opened. up the card and then how it I guess. continued I just care about why it's. where it is today. and why it's we today cuz you put a big.

payment towards it but you immediately. spend the money. yeah trying to think of the things that. I I guess spent last month on using the. Best Buy card I don't really remember. most you don't remember I know most of. it's. food uh yeah and that's. okay I try to be affordable when it. comes to food you know uh go to Domino's. get a large pizza that way I eat and. that's more affordable than getting get.

meal PR pin and doing your own food well. $8 for a pizza three. slices per meal mhm and are you. affording that right now and is that. exactly how you do it yeah I do three. slices per time I eat so I'm able to get. almost three meals out of one pizza for. $8 uh yeah go yourself you try to leave. me down the thing again you went to. Domino four times in the month that was. four out of the like 25 going out to eat. purchases so I don't know what the. you're talking about stop trying to fck.

with me so the food truck is for. whenever I'm at work right next to. everything there X next to all. everything that is. everything that is. right next next to it as in. like things that don't matter. things that are not improving your life. things that I mean they might give you. that instant dopamine hit but that are. not necessary in your life to survive.

and that are making it harder for you to. pay off. [Music]. debt this can't be that challenging. buddy. [Music]. I I mean it's just all food from what I. can. see this is all food from what I can see. to be honest except for the Amazon one.

but that was X next to every bullsh. [Music]. purchase. [Music]. see come from oh. no oh. [Music]. buddy it's hard to see exactly which. ones are. where buy yeah. that's.

it so to be. clear that one's upside. down so to be clear you are. saying that the food truck here wasn't. the food truck there wasn't. you going in and buying a drink. from Circle K wasn't. bullsh you're saying that Shipley's.

Donuts wasn't. going into bies and getting. something wasn't even Domino's. you're saying wasn't. go inside 7-Eleven getting some. going to the food truck wasn't. Domino's going inside Chevron. wasn't Sonic drive-thru wasn't. you mark Amazon as the one. thing or Lab Corp yeah Lab Corp. ended up being kind of. a a just in case. thing.

um it was for I guess to check just in. case I didn't have any more uh or any. STDs sounds like the one thing that's. not the thing is uh so another. thing that I didn't mention was um. basically around May uh she called me. saying that she had gotten uh an STD a. curable one but uh she BL which one. cyia.

she put blame on me yeah this is like I. said I didn't know she had even though. she was getting raw dogged or by at one. point by someone else even though the. last time I had someone else was. protected mhm but you know I didn't know. that she had anyone else and she made it. seem like she. didn't so um so you got chyia I did oh. well actually I guess technically it. never confirmed I had it oh okay but but.

you you took the medication to be but I. took the medication so you consider this. STD test to be but not all the. going out to e I'm so confused like. there's like no hope here what like how. do you if that's your mindset coming. into this I don't even know what to do. well so how are you possibly saying that. going out to eat every second of your. life raising canes the food truck again. more dominoes Ramen dominoes Amazon. Chick-fil-A food truck food truck Yaro. food truck Raising Kings Domino. going inside the gas station getting.

some dominoes and Amazon how. are we not saying that that's. and mind you mind you you are putting. this on a credit card that you are. unable to pay off that is a 30% interest. rate and is a creu interest so how in. the possible World in your mind is that. not your exes next to the bull. that's a joke those are the exes of a. child how in the world are those not. bull purchases to you in what way are. are they not cuz they're less than $10.

less than $10 for single meal if you're. meal prepping we can get meals down to. like four bucks a. meal three bucks depending actually. we're we got our meal prepping down. to $3 a meal $3 a meal we got down to. that's what I mean The Dominoes is. pretty much $3 meal cuz like I said how. much you spent going out to eat no buddy.

buddy buddy o pal oh guy oh man I want. to give you free money right now I. partnered with different resources that. will literally give you hundreds of. dollars the moment you sign up for them. check out my investing app of choice. Mumu where they give you up to 15 free. stocks and 8.11% interest on your. uninvested cash when you sign up with my. link do you want a more traditional. savings account check out where I keep. my emergency fund Sofi where they'll. give you 4.6% on your money and up to.

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you should we play game number. two may as well address it in this. moment because you clearly have no idea. what is going on with money in general. in terms of what's in terms of. anything important whatsoever so here's. a little game I call don't be a dumb and. this this is debt payments the amount of. money that you put towards your debt you. will put here your needs you will put. here your ending you will put.

there needs needs or needs basic needs. your minimum requirements to survive. this is how much money you brought in. last. month do your. math three four five six seven eight 10. 11 go ahead allocate away buds say most. of this goes. to here okay so you put $2,000 to debt. on a monthly basis around you putting. effort into this you're just picking up. the different T do you even know what.

are you doing do you even know your. life I mean this is okay food is still. technically a need but I want to say yes. you're doing it in a dumb way I'm. talking groceries not eating out. and give us a breakdown how much is. there how much went to debt so 2,000. okay 2,000 went to Deb how much with the. needs needs uh I mean I mainly just put. the gas that I spent 250 how much okay. you put 250 and then the rest which I.

guess this is 75 or almost almost a. th000 so around 800 some change towards. BS spending so in the. end you think net that went towards. paying off debt was 2,000 yes net after. everything after you spent on cards. after you did everything net was 2,000. well as in the sense of like how much I. sent out not including what I eventually. spent M um cards so like basically.

around my minimum payments with all. together is around 2,000 that I would. send okay well. 3,068. $3,668. $3,568 sorry that went towards that but. none of it really. mattered okay. because kept. spening cuz net in the end after you're. spending on the debts only. $234 went towards.

it not. 2,000 well that going out to uh your. needs 250 and your bull was $800 well we. have $540 going out to eat and then. miscellaneous Bull. $288 and then unknown shopping that's. usually Amazon you know for your case a. lot of it was Amazon that wasal 590. you're dramatically. overspending I think a lot of the Amazon. uh was for the car parts and what is.

your rent cuz no way it's less than 250. currently as of right now I'm living. with my parents planning to move out in. October okay cuz I moved out of my. apartment in. May and uh decided to just stay at my. parents until the baby came and get an. apartment a month after the baby was. born So currently with my parents but. not for long hopefully I was planning to. move out in October.

since I am traveling a little bit in. September all right let's keep going. through the statements cuz what this. tells me that just your finances in. general are all over the place you don't. know your spending if you ever built a. budget that's the important part of this. exercise is you didn't know how much you. were spending on. in debt I mean you put less to. it than you thought but again net you. put basically nothing towards it in. general you put it all back on so just a. just kind of a mess man yeah I never I.

never did a budget I was always kind of. like let me try and uh I guess not spend. how's that going you're spending up on a. 3149 interest card so I don't think. going well could be better Platinum Card. this one's huge buddy so is this the one. you were spending on and then the. minimum payment got too big so let's. start spending on a different card. instead yeah. exactly. $710 minimum monthly payment before it.

used to be more sure but that's still. absolutely insane and you want to go get. your own place you want to rent you're. going to rent with that $. 5,658 53 is the overall. balance new why are there new charges. you're doing it again you what's the is. the point what is the point it's like. you don't give a yeah this budget you're. right you don't know how to budget. you've never budgeted this you don't. know what this is that just goes away. that's nothing to you Benji uhuh Benji.

that's what you say it's fake money I. didn't just break the. law like I just I don't get. it I don't get your intentions here and. then again when we Mark next to B. spending you just didn't one you don't. know how to use a credit card so you. need to use something like the Fizz card. a charge card that forces you to pay it. off early and two go through our. budgeting program every guest on our. show gets access to the budgeting and. investing program go through it. I promise it'll actually help you manage. and stick to a budget we'll build you a.

budget by the end of this so what we. like and you need to figure out how to. actually go through your own manage your. budget and build it out yourself because. this is absolutely insane you put you. paid off from the pay in full $611 but. you put $543 on it then you also spent. an additional $1,000 pay overtime. dollars where $16 of Interest was acre. there. plus uh yeah so total ,000 $610 to spent. with $160 of interest and you want to.

move out. hopefully and you. [Music]. almost okay nflshop.com great yeah. that's what we need to survive right guy. Chick-fil-A wonderful Hulu not really. anything on there anyway I'm watching. the handmaid though for the first time I. get that mostly for free though mostly. for free $20 I don't think you know what. money is no it's cuz it gets reimbursed. to uh MX. so the 100% yeah uh except $1 maybe so I.

get $20. um uh audio or mathematically it's not. the worst thing it's not the worst thing. I okay fine but then you went to shop. bar and uh some restaurant there then. some restaurant there then Amazon then. the little pitties rescue what is that. $214 do you get a new. animal uh oh sorry little rescue is $50. Amazon was 24 charity charity charity to.

yourself buddy you're living at home. because you can't afford to live. anywhere I'm okay if you want to live at. home but you can't afford to live on. your own because of all this. because you decide going out to eat is. more fun than anything I me going out to. eat itself again I could get you on a. meal plan 250 300 bucks a month safe. conservative healthy meal plan you're. spending $550 going out to eat and again. clearly you are not prioritizing paying. off debt clearly you are not. prioritizing you wanting to get your own. place like you say these things but.

clearly they are not a priority to you. Domino's. is more Amazon more Amazon more dominoes. plane tickets Spirit where you going. where you going where do you think you. think you can go anywhere you can't go. anywhere you can't afford to go anywhere. what are you talking about where you. going well so if I would go down the. places that I'm going what from. basically next weekend all where you. going to the end of sep where are you. going where are you going okay so next. weekend I'm going to. Denver why visit my sister uh your.

sister get out of. De and probably catch a baseball game. okay definitely not that one this is the. one I almost I actually I'm relatively. okay with if we do it in a smart way if. there's something happening and I'm. staying with her so I don't have to. worry about yeah but you also can't. afford the plane tickets in the baseball. game out of the question stupid nothing. happens with them anyway plus You' have. to get endless beer to get through it so. like I mean pregame yeah which you would. spend money on anyway so stop and the.

next trip this next magical trip you. don't care what are we doing here what. are we doing here you don't give a sh. the Ohio one does matter Ohio yeah. everyone's dream destination in Ohio. okay very good cancel the first sister. trip then go to the wedding well I mean. if I cancel I'll get a fee for canceling. the flight yeah and what would the fee. be versus I mean the ticket was only. like 80 bucks round trip uh 180 spirit. unless that's a for a different one plus.

another. spear different one okay uh so the. wedding I can excuse a wedding do it as. cheap as you can on a budget next uh how. many travels are you doing so I mean. they're only like two to three days max. um. so the second week of September. is uh is the the Philadelphia trip that. I'm going to uh planning to watch that.

Sunday a baseball game and then H buddy. Monday the Eagles game what what shut up. for a second like I'm sorry what the are. we doing here you don't give it you. really don't why are you here in this. show why are you in that seat when. someone else who wants to pay off thatb. people come on yeah they have crazy. stories they have crazy Financial. situations but they actually do want to. get out of debt in the end you're going. on all the vacations and you're not. willing to sell those yes for a loss I.

know but you're not willing to do. anything why the are you. here I'll be honest I am not liking you. right now kind of grossed out so. baseball that's more important than. making any progress guys dominoes it's a. smart investment like why are you in. this chair I like having a good back and. forth a little digging in on someone. that's fun but you're just being a dumb. I. realize that that I don't make the best. financial decision sometimes wow okay.

but revolutionary like I said after the. situations from last year and this year. with I thought i' lost uh someone very. important to. me it it made me realize that I want to. be able to take time off for off you're. taking time off of work for the. possibility you're not even surviving. for the possibility that I guess mourn.

fine in case what like in case it were. to happened again like I wouldn't be. able to okay well now you're just living. in fear like you're not going to make. good decisions for your life if it's. only based in. fear okay cool do it okay B go do it. you're never going to get out of debt. you're never going to be able to move. out of your home you're going to be. living there till you're 40 you're never. going to get out of debt you're never. going to budget you're never going to. actually uh live a healthy and good. lifestyle financially or uh you know I. mean eventually all this kind of eating. will catch up to you trust me um go.

ahead do it your life is going to be and. that's fine if that's the life you want. to live great that's not the life that. we teach here we teach people how to. actually take control of their money and. live a better life you don't give a. about that you're taking these trips. that's what you care about so I don't. know what the we're doing I want to get. better no you don't show that in any way. whatsoever I can't after I leave no I. don't think so I mean one thing we. talked about and uh I know I I was going. to bring it up once we got through the. cards I know you just got a payment you.

got a payment coming in right yes and. you might put that towards your debt. some of your debt it's 10,000 right yes. great it's not based on your earning. it's not based on anything you did it's. because you got in a car crash yeah it's. something that happened in life and. you're getting this extra thing none of. the progress you have there is no. progress one but even that none of it is. based on your own actions and you're not. sacrificing anything to do it so again I.

don't know what we're doing here and I'm. sure I'm probably coming across like an. ass but I feel like being an ass because. you're just you're around I had you. cross off what you think is and. even at least people that come into this. room and yes we have intense back and. force and stuff they at least know that. going to Chick-fil-A for 15 bucks is. like I don't know how you don't. think that that's ridiculous and now. you're talking about all these trips. that you're going on that you're going. to be going on you're not going to stop.

them you're not willing to even talk. about considering getting rid of those. so what what the man I considered. getting I'm legitimately kind of pissed. off I consider getting rid of these but. like I said it's just consider then you. stopped and then it doesn't. matter Amazon Chick-fil-A. barou wi in gas station G drinks what. are you getting Monster energy drinks I. assume they're not to you the. oh great that's necessary for. life um I mean when I have to wake up at.

4:00 a.m. after getting off. late sometimes brw a cup of coffee shut. the up you know why you're waking up at. 4:00 a.m. and why you're getting off. late CU you don't have any money you. know why you don't have any money cuz. you keep building up your damn. debts so go ahead again continue to this. lifestyle go for it I support it I do if. that's what you actually want go for it. but waking up at 400 a.m. for the rest. of your. life so no because life is a well hard.

because you got yourself in a little bad. situation based on your own actions. doesn't mean it's justifying you to make. more stupid actions that are keeping you. in the endless cycle of being in a place. in no way is that. justified I. do want to get out of my situation I do. want to not have to work fine I'll give. you a chance for a long time you want to. get out of the situation what are you. going to do what's your plan what. sacrifice are you making go ahead well.

one I would like to hear what you think. I should do not a magic pill but good. advice is still good advice yeah. um and I mean just do my best to make. more. sacrifices and not make the same. mistakes that I made in the past I mean. I don't really know much more else that. I can do. you don't want to make the same mistakes. in your.

past okay sure there's a relatively. General broad statement what the are you. going to do to not make the same. mistakes what actions are you going to. put in place what are you going to do. what are some basic things uh I want. actually you know what uh you know I can. help you with that part I want to hear. why. why why do I want to get out of my. situation or yes okay. well it's very.

uncomfortable like I've mentioned uh. just the fact that you know had like I. said I can't really take more than a. week off ever uh aren't you taking weeks. and weeks and weeks off for this all. these travels they are no more than two. nights n of them yeah but how many are. there do they not stack up to more than. a singular five days yeah over the span. of okay sorry go ahead month sorry go. ahead I know I'm obviously on edge go.

ahead but yeah and I want to eventually. get to the point where I can help my. parents. U and I mean there's other things I want. to do in life to uh I want to create a. clothing brand and kind of hard to do. you know in Deb listen any amount of. wants I'm I am I'm happy to hear because. they can give some Drive behind getting. out of this unfortunately I really just.

wanted to hear something. like not about like I want to go get ice. cream or I want to do this like the. starting the company that stuff is good. but what I was more hoping to hear and. what's a you know making me a little. more nervous that this might not have. the longevity your want to get out of. all this and making the sacrifice. necessary CU I was really hoping I would. hear something like right. now this is so stressful for me this is.

making it so I feel like I don't see a. future and I want to see a future I want. to see a future where I'm able to be. independent or I'm not going to bed with. the weight of debt over my over my life. a lot of the people that get out of debt. that have been on the show they are in. like a last case situation there's. nothing else there's no there's no. potential for a future but your want is. so that you can go on vacations and. that's okay that might be what kind of. pushes you but I'm like I'm I I'll be. honest that I don't know if that is.

going to be enough because a lot of the. time the reason people change their. situation around is because they get to. Rock Bottom not being able to go on. vacation is not rock bottoms so is that. enough of a drive to fully get out of. this I I don't know I mean I am I am. stressed it's a continual thing so it's. it's a feeling that I feel all the time. uh so it's kind of just like a. at this point I'm just kind of I guess. used to being stressed out about.

financial sit you've accepted it to this. point I because you haven't done. anything I don't want to accept it why. have you been accepting it then I guess. because it's easier okay uh if I'm being. honest yeah putting the head in the sand. and yeah I mean like I said. I I want to do better for my family for. my future family mhm um okay and be able. to do the things that necessarily like I.

would like to do I have a comfortable. future. and like I said invest in things that I. want to do like the clothing brand and I. also I do want to enter the. entertainment industry in some kind of. shape or form oh gosh uh whether it be. comedy okay we might save some of that. for the Post show then let's save I. think uh Noah does comedy oh really and. yeah he does comedy uh pretty well I've. seen him do uh well we so Brandon and.

him have both done like you know a few. attempts at of jokes and he's pretty. funny so I want to see you do some funny. in the post show so stick around for the. Post show you can join the membership in. the link in below and we'll do the post. show extra 20 minutes after every. episode I'll do my best oh you better. you want to make a career in it $. 6,120 on this apple card. $199 he comes in for the POA that's why. I brought him up so okay he'll judge you. $199 minimum monthy payment oh my.

continues PlayStation Network Apple Bill. Apple bills just you know just whatever. inapp purchases PlayStation Network. again so oh we got a game here at $75. then $10 maybe for a subscription. Netflix really nothing on there. unfortunately Cinemark great yeah let's. go to movies when we can't afford to. live or on our own yeah live in the. movie theater that makes sense and. another inapp Apple purchase so I just. don't know what we're doing La fness. fine with that. CVS Extra Care fine with that probably. but again it's just every card you're.

spending on you refuse to allow yourself. to make any progress so for the uh the. video game my hopes was okay I won't go. out as much if. I have entertainment at home at least. that doesn't matter worth the. shot cuz now you're still in debt so $1. 137 hour of Interest recruit. okay another. card oh we've been going for a long time.

that's. okay I'm okay with going for a while but. these take a toll halfway done cards. better be more than that $. 5,551 and 29 cents on this one with $173. Min a monthly. payment $82 to purchases again you're. doing it again man I want strangle you. this is ridiculous your balance went up. your balance went up what a joke because. there's $121 of Interest as well you. just this is why listen listen listen at.

least some of the people that come on. the show even if they just seem. absolutely wild and stuff because you. know people in front of the camera sure. I get it it happens but they're at least. they at least know not to spend on their. cards you buddy you have no indication. of giving a single about getting out of. this and maybe you do walking away from. here and you know what I I want you to. do the best so yeah I hope so but there. is no indication in any way whatsoever. based on your behavior at all at all not. in a.

microcosm that you care about getting. out of debt because you're doing nothing. nothing you're just spending and none of. it's on anything important either none. of it except for the SD testing don't. get committee again oh it's more. travel don't get comedy in. Denver it's the worst kind that high. altitude commit I wouldn't know what is. this oh is this the financing of the Jew. jewelry mhm okay you didn't purchase. thank and it's probably because you just.

didn't get another piece of jewelry but. than for the first time ever you've not. purchased on a card kill me only making. minimum monthly payment. $636. one4 with a $161 of Interest acre $224. minimum the payment these are stacking. like. crazy but again you're not. purchasing pral plan EXP expired expired. expired expired. expired.

wonderful and that's those are what we. have to show for it oh yeah oh boy and. they're all at 30% wonderful that's very. good investment we're going up 7% a year. and also losing 30 on them oh my gosh. okay so we have an AMX gold as well this. really just does keep going this is. going to be a long episode I know some. of those segments earlier get cut down. but this is. wild okay.

$888 67 with a minimum Mony payment of. $34 kill me now if you purchased on this. I don't know if you did yet but if you. purchase on this I'm throwing a cray at. you bad naughty why why are we doing. this Two For $52. $52 it's not the most amount of. purchases but why are we putting. anything on this anymore because you. know this is so this is my issue here.

you're at. 8,920 you made a big payment towards it. $310 is the minimum monly payment sure. but after the interest AC Cruise of $217. if you even put just a little bit of. money on it sure the $52 of new. purchases against the $310 payments. looks like nothing but add that to the. interest and you only made progress of. $40 and at that point it's just like a. what the you know you're money you're. just you're not utilizing money in any.

way whatsoever that makes sense any of. this any of this if. I I'm not even going to do some basic. math not even going to do some basic. math because it doesn't just there's no. point but literally these B the spending. that you're doing on these cards if you. opened up a brokerage for example Mumu. that's the one I use you open up your. Mumu you buy into just a low cost Index. Fund it follows the overall Market buddy. you're gaining that 8 to 12% a year and. that goes so you have a chance to retire. but instead what we're doing with the. minimum monly payments that we're. putting on this we're just negating them.

completely because we're. purchasing again it's just the. indication that you don't care it's the. behavior Behavior shows that you don't. so a really exciting thing that you guys. should be thinking about is we now have. all these extra things with our YouTube. membership program you can sign up for. our post show we talk about extra drama. for the episode that we didn't have a. chance to dive into why would I want. more than one I don't even want one you. don't you just touch them and move why.

would I want to do that again because. it's fun is that and it's wholesome how. is Caleb as a lover I would give a solid. nine how do you get to a nine I just. don't know how to answer that because I. mean I just do I just do for the upper. tier memberships all the people from the. crew from over there they come together. they make a crew cast and they talk. about the behind the scenes content and. how we do everything here I think he's. been on the Husky side personally oh. it's that's Brave twice a month we have. a live stream with you guys and we hang. out with you we answer questions we chat.

it up we talk about the show we just. have a good time as far as what I. understand goon is I believe it's an. endless Edge an edge without no end it. is an edge that never concludes actually. I don't know does goon conclude and then. most exciting right here at this table. with even more pie charts we have an. exclusive uncensored andree Financial. audit episode for the top tier members. that no one else gets to see anywhere. else consider joining because ad rates. are always up and down we're trying to. build something great here and I wanted.

to make sure to provide the best content. and the most amount of content that's. ever been in a YouTube membership Link. in the description below what does it. say what that purchase is by chance. chees G Factory and two Uber Eats so let. me explain partially so with cheesecake. I get $10 off every month but I have to. use the gold card and then for the Uber. Eats I get $25 a month on Uber credit.

and sometimes hold on I need uh Bas. you've purchased $52 so I mean the math. isn't working out. already still purchasing more than any. kind of credit and how's it working for. you buddy your balance went down $40. even though you put 310 towards it so I. don't give. a simply like how would. I it's a 29% interest. oh my. gosh this is the episode that never.

ends did you go to college or anything. what do you want to do for your career. just in general while I write this down. uh currently thinking about it uh so you. haven't gone to college no no not at all. I don't really just like any guest I'm. happy to offer you any course career. certification things like accounting. things like any kind of trade as well. they're doing that and lots of tech. certifications so we can do that and. then college degrees are also really. good um the thing is I don't want you to. work in three different jobs for the. rest of your life it's great in a. temporary situation especially when. you're trying to get out of debt but.

that will take a big toll on your body. and mental health if we're doing that. over the course of you know 40 50 years. yeah so some of the things that I'm. thinking about is thinking about joining. the military army. possibly uh you might need that. structure not that that people manage. their finan as well that do that you. might at least need the. structure uh if not that um hopefully. there's a new job that I might get I to. get an interview but it would pay me.

more it' be a day job um and it pays. around 20 something an hour uh Warehouse. type job you haven't gotten this because. uh it just recently came up okay and. then so you're not even like in the. process yet no I just have to go and do. the interview oh just the interview um. and then that about carpentry yeah sure. uh and that's you have a passion because. so far that those were all over the. place uh passion I mean like I said I.

want to be an Entertainer in some kind. of shape or form um but also like. writing you're very monotone though yeah. well that's what kind of you know like. how Dave Chappelle like has a very. monotone for the most part he's kind of. a Storyteller yeah but mostly what my. passion is is I want to write stories. like scripts for movies or shows and I. have written a few uh they just never. gone. anywhere cuz I don't really know where.

to go with them all fairness uh just. like you don't know where to go with. your debt CU you have $278 on the city. card and you have an $85 minimum payment. $58 of interest is going think for not. spending okay uh 29% interest no one's. surprised okay checking account $. 1,84 this is like nothing of a checking. account I they haven't had a checking. account just one page in Forever V. million out $50 Zing out $20 is that r. no wait no you don't do that what is.

that what what are you Ving out $250 too. Bookie huh it was for a bookie that Deb. I've owed a long time. ago why lost bet buddy you you you are. not in a position to make us any. bets you're already negative how do you. want to you really want to F this up. more and uh I guess from what you can't. see I mean that bit that debt or. whatever that I owed him was from a. couple months ago he was patient you.

know and then eventually he asked me for. it and I went and I sent it to him yeah. and I haven't placed any bets since so. and please don't were you have you been. placing a lot of bets before. that uh bet on sports betting yeah of. course you are you need to get away from. sports for multiple reasons better at. football bet but baseball is what you. think your net is positive when it comes. to football uhhuh yeah so last. year uh I would average around $35 like.

in putting towards bet and I mean that. was like each weekend so I guess 140 150. bucks like that old I guess wager that'. come out about 500 bucks a month nothing. crazy but I'm glad you paid him before. you got shot or. something do I even do I make a budget. here. I'll be honest I have no desire to but.

um this just I don't your behavior. you're going on these trips still uh. you're not willing to. sell your ring. pops I've been trying to sell my gold. chain for what it's worth I could put. more I could put more passion into. selling it I guess you could say but I'm. been trying to get close to basically. what I paid for for it uh which going to. do your basic budget and then I just. want to go to The Postal because I want. to hear your standup or.

whatever your income what is it um so. what came in. was sorry it's a mess over here always. ends up being. chaos it's a chaotic show said it varies. because of the day job I'm not counting. the Zeal in or apple cash or ATM but. well okay average then yeah cuz instead. of going off of this average what hit. your account on a monthly basis average. 3,400 okay okie.

does let me get your dep do you have a. card de no thank what do you have what's. your car it's a beat up Challenger and. 2010 how's it. doing it could be better uh is it going. to. last uh probably not much. longer um I just got it fixed from my. mechanic so to be clear going out to eat. and you're traveling all this stuff is. delaying your safety around your car. situation cuz you could be sty piling up.

an emergency fund to be able to take. care of that either a repair or a new. car yeah but you're just saying my. future dominoes and baseball games are. more important your debt minimum. payments without even a car or mortgage. is. $1,731 45 which is ridiculous you don't. contribute anything to rent utilities at. all internet nothing uh this insurance. for my car and also I guess my phone. talking about your housing okay yeah.

sure what's your phone Bell it's like. maybe it's like 100 bucks something WR. okay i' switch to helium it's 20 bucks a. month um and then what's your car. insurance about 100 how much in gas a. month 250 okay 120 there 250 for gas TP. fund anything else you need to survive. is $100 100 groceries work at. home uh yeah what me wait what I'm sorry. how do groceries work at home uh do your. parents buy them do you need to get your.

own as of right now my my parents pay. for the groceries. uh. yeah I mean that's there is no no excuse. to be in this debt you are literally. doing this to yourself nothing in the. world do this to you this was all you. and it's you justifying your purchases. travels. they're I can accept that how much is.

the. gym uh 20 well after tax is. $27 any ongoing Medical Health Care. therapy co-pays prescriptions no how. much was Jim again sorry uh. 27 no subscriptions you honestly. probably could if you needed to you have. room what this is buddy I'm sorry. [Music]. I'm you have not made me a happy Soldier.

today for those that get pleasure out of. seeing me. suffer you'll love this one. 2,328 45 I mean you have a thousand left. over it's a joke that you have debt it's. a. joke in a month pay off the Best Buy. card you know you bar you don't really. even need a one month emergency fund cuz. you live home uh in a few months pay off. the city card and then just uh pay off.

the Platinum then the jewel uh then the. chase saire then the jewelry then the. Apple card then the AMX card I think in. general and it's going to snowball I. would do smallest to largest it takes 36. months to pay off you make more money. you can take it down even further but. it's a year and a half right oh well. sorry no that I did oh I can't do math. right now it's three years three years. or could you could probably make it two. and a half years if you work a bit more. you're already working a lot three years. isn't that bad but probably not going to.

be moving out just. yet yeah I don't know man I don't know I. did that we're g obviously connect you. with all of our resources uh but um this. is just going to come down to your. behavior and your behavior no way. whatsoever indicates that you'll get out. of this de uh good news you got that. $10,000 yeah throw it to the debt again. pay off your smallest ones that you can. uh then should take you two years you. know it'll take you just under two years. to pay off the debt so that's actually. really good forgot about the 10 so.

that's great with that you're done in a. year and eight months or so get a fully. funded emergency fund call it two and a. half years boom two and a half years you. could bring it down to two if you're. able to work more or earn more and with. that you live an incredible life going. from 27 27 forward you know 50 30 20 50%. on your needs 30% on your wants 20% to. inves in you're returning a. multi-millionaire like you have a bright. future just depends on your discipline. now and based on this conversation I. honestly have zero hope in it but you. can come on the follow-up Channel.

whenever you want and you can let us. know how things are going and I want you. to prove me wrong I really do I really. do hammer Financial score make sure to. stick around to the post show we're. going to uh talk about some things Noah. knows more about you because he knows. like everything about your life he's. been with you since birth and he'll come. in and he'll bring in some more. questions that we didn't have to talk. about and uh we'll also talk about your. stand up which I'm excited to see you. perform which I will force you to do. already that's great spending in a.

budget technically you spent less than. you brought in but it was still. horrendous where it was going to I'll. give it a three out of 10 being generous. debt you don't have collections or IRS. debt but the debt for your situation is. beyond stupid one out of 10 just the way. you're doing an emergency fund you have. nothing to save in zero out of 10. retirement do you have anything no zero. out of 10 I'm not counting the jams's. retirement you can't even sell them so. good luck no before you say things going. up in value are only as good as you can.

sell them by the way real estate 0 out. of 10 Hammer Financial score 0.5 out of. 10 make sure to stick it around for the. Post show and check out all the. resources Linked In the description. below is they what I user would use in. specific situations including the best. budgeting and investing programs that. are now bundled at a lower price stick. around for the Post show today on the. financial audit post show the thing he. marked down as BS was getting a medical. check and going went out to eat was it. at the end of the day it's F you know. like I need to eat in order to yeah you.

need to spend $600 and you could do it. for 200 no no not even that no did you. hear the thing at the end groceries are. free at home for him no I know so you. you need to eat I'm sorry to watch the. financial audit post show click the join. button below.