Trans Socialist Blames Capitalism For Their Mistakes | Financial Audit

I got coddled a lot and that's one of. the reasons why who my ex typically it. sounds like you're just trying to take. an excuse for why things are bad today. and why you're not doing well now he. paid for a majority of our life when we. moved into that's not your boyfriend. codling that's you being a dump in. borrowing payday loans for his Xbox I'm. going to be honest with you I think he. is to blame the are you you just. want to blame it completely on him you. have no ability to take any kind of. responsibility hi my name is Ellis I am. 23-year-old from Dallas and this is. financial audit.

thanks for coming on um you know I just. want to ask a question I know that you. went through a lot of things with our. producer Lindsay just to make sure. you're comfortable on the show but I'm a. pretty abrasive person especially when. it comes to talking about finances and. you know the first thing you hit me with. is like asking what you're even like. allowed to like say to me which I. appreciate but like are you sure you're. going to be able to handle this. conversation cuz this gets pretty. intense Caleb I'm ready I am ready I.

need a fire lit under my and I'm I'm. ready I was just getting some. sensitivity Vibes so I just want to make. sure that I'm not like destroying. someone you don't know me so you don't. know what my boundaries are so you can't. hurt me fair enough so what do you do. for living in Dallas I am a uh Studio. manager I I am a I manage a store and. it's storage so basically that I am. basically like a like I I manage. property basically like that so it's. like a studio and Studio no it's like a. storage company basically I don't know. why I Studio okay how many hours a week.

do you work in that 40 what's your. income there1. 1850 I just got a pay increase I was. making. 1675 oh okay wow that's actually. percentage wise a good increase how do. we feel living1. 1850 an hour in the Dallas area not. great um I am definitely living above my. means a little bit um my rent is. increasingly like it's bad it's really. bad I know it's it's but I mean I choose.

what what do you mean what is it it's. it's what how do you not know do you. know I do know how long have you been. living in this rent you're motive. okay um 950 I think about cuz it it. fluctuates sometimes $950 yes cuz I. split it with a roommate I split a. two-bedroom with a roommate oh well so. that's why it fluctuates a little bit. because sometimes I like what do you. mean why that doesn't make sense if you. split it with a room are you talking.

about utilities included yes so half. that's not that bad for the Dallas area. so in total I think it's about two grand. we pay close to two grand for. two-bedroom yeah but you don't no I paid. you have roommates if I'm looking at. someone with their roommates I'm not. freaking out about what their total rent. of their place is just what they're. providing yeah so 950 give or take 950. for the Dallas area is relatively. reasonable and you're saying you. struggle with it yes I mean there are. some weeks where I are you not cutting. back on other things in order required. to get that.

ish ish um is what is an ish well I mean. like I like. trinkets I like trinkets what can I say. the is a trinket what are you talking. about okay so like I like to fill my. room with little trinkets I like you. know little supplies and like like. little frogs why not pay for the room. first I'm frogs they're cute what can I. say I'm sorry but okay I do pay for the. room first I do pay for got your little. stem ball there you're good I know stem. ball it's fun have you tried these. before girl I walked in with one guy.

sorry I'm sorry that's I call everyone. that you were okay you were okay you're. okay you're good so they call me Le. you're okay if you want to call Le I. like Le what's that it's like a. non-binary term for a girl guy princess. okay hold on okay I'm just let me let me. okay you're very emotive very excited I. appreciate it I need to like come back. down to earth real quick uh okay so we. struggle pain with rent even though. that's about a week's worth of your. income just a little bit more um than a.

week. well the electricity ofil is what's. kicking my yeah but you said it's. variable you said that's including. utility sometimes or it is including. utility it is so is it including. electricity or not no cuz the. electricity you know what utilities are. what are you saying okay the 950 comes. from my second paycheck cuz my second. paycheck no no no no no the rent that. comes the 950 you said that includes. utilities but you're saying not electric. not electricity electricity is entire. cuz it comes from the second paycheck. this the first so the first paycheck of.

the month that's where we're starting. we're starting with that kind of mindset. why would we not include electricity and. utilities because I don't include it in. my in my secondary like that is like so. the way I budget mentally is my first. paycheck is electricity cuz my first. paycheck is like my Flex paycheck and. everything like that Flex paycheck so. like if I want to get myself a little. treat for the month that's where I have. that paycheck I do that with instead of. rent well that's the second paycheck cuz. the second paycheck is all rent so. electricity instead of.

electricity's first paycheck but you. said sweet treat was first paycheck too. it's both cuz first paycheck is like I. think right now it's wait why didn't I. set yourself up you could be good for. the month though cuz I just paid it I. just paid the rent for the first. paycheck no you said first paycheck goes. to electricity second paycheck goes to. rent yes cuz electricity I first. paycheck is is fif is 1,200 so. electricity is only like 100 bucks so. 100 bucks of 1,200 and the I have 11 100. hold on just I want to make sure I heard.

this right you're a rambler I was tuning. out it's okay $100 goes to electricity. yes that's what you're freaking out. about is $100 if you're freaking out. about $100 we have more problems it's. that $100 is not an insignificant amount. of money I I want to be clear you can. get a lot with $100 but that if we are. make or break on life from. $100 there's much worse. happening it's more the second paycheck. that Pi me up a little bit you were just. complaining about electricity you said.

the issue electricity is is way more. than it needs to be I feel like. electricity should not be like 200 bucks. a month I feel like should not be what. is should not be you mean entitlement. are you saying what like I'm saying I'm. overpaying that's what I'm saying I I I. feel like you're probably paying on what. you use I don't care that doesn't listen. that's a completely different. conversation the electricity is used you. pay for it that's what it is but you. were complaining that the issue that. you're dealing with was the electricity. it was $1100 not insignificant to be.

clear but not to make a break for your. life you complete that in a day you make. that in a I do make it in the day but I. just I feel like the way that my brain. works is. just what I don't know it just feels it. feels not right it just feels like I'm. overpaying for that but that's not the. make a break though you said it was the. make a break it it the make or break is. the total amount that I pay to live I. feel like I feel like which sounds like. 1,50 yeah even still that's not the C.

like for Dallas I still feel like it's l. it's not the craziest I think it sure it. might be a lot listen a lot of money in. terms of percentage of your income. potentially but the thing is you could. afford it that screams to me that that. is not the issue and there's a much. larger substantial issue in your life in. your finances and your spending and your. management and your lack of budgeting. and your ability to survive like an. adult who knows how to look at their. money and see where it's going I don't. like looking at my bank account okay I. hear that all the time why because it it. okay so it's like when you're a child.

and you get scolded for like doing bad. choices uhhuh I don't like looking at. the bank account that scolding doesn't. compound though it's not like if you do. those bad choices and eventually they. catch one at the end you get all the. other bad choices plus more this is kind. this compounds the the less and less you. look at it the worse and worse it gets. meaning the anxiety is building because. you know it's only getting worse it's. something you have to confront that's. why I don't look at my grades when I was. in college cuz I was afraid yeah I. didn't look at my grades cuz I got so. terrified that I was doing a terrible.

job why are you here why are you here I. am here because I have gotten a lot of. money recently from my streaming. services and I don't know what to do. really yes I have actually streaming. services yeah uh what do you do I am a. contact trador on Twitch uhhuh okay any. specific Niche uh gaming and Slice of. Life typically okay I don't play a lot. of video games my video games have been. like like mobas if you will so I'm. branching out to single players and a. lot of and we don't a lot of people to.

come on to plug their things that's why. you know using a fake name and there's. no socials linked so like that doesn't. matter uh so you got a lot of money and. you're wondering what to do with it or. was it like a lump sum like you had a. really good month or things are ramping. things are ramping what are we what are. we talking like these last two months um. have been close to a th000 uh the first. one was 970 and the last one was a th000. and then this you really set me up for a. much larger number come on well you know. you did I I maybe I teased a little bit.

but it it's a lot to me cuz I mean. that's like an entire paycheck right. there no no no I get that and it's not. an insignificant but when you say I'm. coming into a lot of moneyy we're. probably thinking like tens of thousands. no it's like a thousand well that's. great I mean that's good for extra. supplemental income for something you. probably enjoy more yes okay 40 40 hours. a week on that other job how many hours. a week on the twitch stuff probably. close to 40 I'm definitely working as. long as it's growing what is like the. percentage growth month over month. Revenue wise um I don't know off the top.

of my head I just go to to to what so. okay this one so far what's your. projected Revenue my projected revenue. is close to 600 cuz that cuz you said. you have what why so you're going down. well no cuz the last two months I was. doing a birthday thing and I kind of. overspent for my birthday stuff but that. is what it is I I. swear I'm a giggler I'm sorry I swear. every person you just start seeing this. you got second I'm talking I don't get.

I'm. talk I swear all these people that just. have these Financial issues these dots. connect every single one of them why. what is this obsession with like. birthday months and all this. who cares set yourself up for any. success in the future how about that. okay so I do set myself up for Success. because yeah cuz before when you have. like 1,000 hours in retirement no no no. actually I have 1,500 in my 401k thank. you very much but come on don't be a. dumb what do you mean okay but listen.

listen I I are youing with me no I'm not. because I put when I get my paycheck cuz. I know I overspend I send my roommate. the money for rent so that way I know I. don't do you watch the show a lot I've. watched a couple episodes yeah I feel. like you just mimicked me what do you. mean okay. um so the supplemental income yeah what. have you done with so what do the. birthday thing okay I spent $400 on a. piece of art yeah but I'm confused again.

the income from twitch went down 1,600. what does that have to do with the. birthday thing because people are. donating more for the birthday yes. because I did birthday okay so that's. not then any skill of the content that's. just a unique situation before that I. was making like $100 but now the. birthday thing is over okay what's your. concurrent viewers on average um on. average I 25 to 30 depends on um okay. they're just high donators high. subscribers very passionate yes and it's. it's a lot of people hear my story and. want to help me out okay well that's.

cool I'm glad I'm glad I'm. glad so what is going on right now with. your debt with your finances all around. the little more is coming in okay. wonderful good that is not a bad thing. utilizing it and putting it in the right. place is what matters so what is going. on what are we looking at my biggest. thing that's eating my right now is my. is my student loan debt like my private. student loan Dad it's private student. loans yes it is my I have private. student loans College Avenue is what it.

is had and uh and that's that's the. government one yeah yeah yeah cuz that. my APR oh my APR is at 14% And I am yeah. that is what is eating my right now. horendous yeah no that is what I'm. freaking out about because that is that. that payment is due I deferred it for. six months again because I didn't get. the promotion yet and I was still living. on. 1675 oh for sake what what did you go to. school for. I didn't finish college what did you go.

to school for was the question I went to. school um for business for marketing. okay how many years did you go and where. so um I started out with um at Baylor. University and then I went to um I went. back I failed out of that year um and I. went back home to do insanely expensive. so I didn't want to go I knew I. shouldn't go but I am a little like I'm. a people loser so I gave into what pure.

pleasure of from who the fam yes that's. crazy one of the first few episodes we. ever recorded someone was peer pressure. to go to Baylor and it completely F. their life oh it it did luckily you have. a lot less student loan than them but. well cuz myed my mom took a lot of that. debt my mom took a really how much does. she have she has 30k um from Baylor and. I took out I think 10K uh for myself. from like the cuz I know with students. they do a little thing where like you. get your own personal debt and. everything like so took outk that so.

that's what the the student loan is for. um and then I went back home because I. graduated in 2020 I graduated high. school in 2020 in 2020 was to begin with. so that's your big issue then yeah is. student loans okay then why. possibly why possibly would. $416 go to going out to eat alone one. category out of many AB one thing that. could be going to compound founding that.

payoff of the student loan debt private. student loan debt I like food that's not. cute that's not funny I love food it's. nice cuz it's like you come home from a. day of work and you just want to eat. food cuz it like warms your soul it's. like soul food I need little trinkets in. life I need little pleasures and stuff. like that I feel like are you joking is. that a joke no one talks like that I. talk like that no you don't I do.

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signup bonus check out Fizz today and. let me know what you think I do talk. like that this is how I talk this is me. this is my life and I love food I love. food so much well clearly but so do I. clearly the thing is but you said the. student loan thing was the major issue. you're dealing with and that I say you. could be putting more money to it and. then you say I like food if that is it I. that's the end right well wouldn't that.

just be it that's the conversation they. wanted more so my minimum payment for. that student loan was $300 a month good. was $300 a month good they want more. good then you pay it my interest alone. on that loan is. $200 if that good then pay it I'm not. saying you should have to deal with that. I'm not saying it's exciting that you. have to deal with that but that's what. it is so you deal with it and you don't. say I like trinkets I like food I say. good that's my life let me go ahead and.

sacrifice temporarily so that I have a. chance for a better life do you have. anyone dependent on you do you have. anyone in your life do are you with. someone it's me myself and I solo R your. trinkets okay well they'll be very sad. when you're dying in poverty and you. have to throw them away they would be. sad but I want to give you a real thing. real thing mhm oh you just feel like a. joke um I'm sorry not as a person just. like it's okay I like being a joke.

my I was a joke for a lot a period of my. life. so. okay all right. uh let's I mean we're talking finances. I'm sorry but. like uh I don't know well I mean it I. got coddled a lot like in my adulthood. and that's one of the reasons why by who. um my ex typically your ex okay yeah a. lot so when I moved um cuz I failed out.

of Baylor came home went to Community. College and then I moved out to. Arizona he coddled me a lot in that. aspect because I wasn't I was going to. school again yeah what was codling come. on he would pay my rent because I was. not making enough money to live in. Phoenix cuz I my rent was $1,000 a month. yes I was working at Starbucks I was not. getting 40 hours a week though not. getting mm cuz Starbucks would not okay. so he was helping subsidize that's not. necessarily con. paying for the entire rent typically.

yeah but the it's weird that you're. blaming his past action for you I I like. I get it if it was enabling bad behavior. but I don't necessarily know if it was. cuz you were working and it sound like. you were trying to get more hours but. you didn't at the job so I don't know. what you're talking about it sounds like. you're just trying to take an excuse for. why things are bad today and why you're. not doing well now I think I think I. think he is to blame I'm going to be. honest with you I think he is to blame. the are you what do you mean do you. have no ability to self-reflect. internally and take any responsibility.

we barely even looked at your numbers. yet but that's insane I think what an X. again when did you break up a year ago. okay it's been a year I broke how long. were you guys together five and a half. what other coddles what five and a half. years what other coddles he paid for a. majority of our life when we moved in. together like what though like he paid. for all our food he paid for so needs. okay but you're working you're going to. school sometimes that happens I want to. hear why it was actually detrimental to. you I understood if it was enabling bad. behavior but you're not making it sound. like it was necessarily it was.

detrimental to the fact that I never. learned how the like I never know the. value of the dollar I didn't know like. how much yeah but you had a year. now why haven't you tried to learn. anything I mean I I are you saying did. he cuddle all the way up to the moment. you broke up yeah cuz I mean I felt. about myself to the point where like. everything I have notes that you got. your boyfriend in Xbox and he was payday. loans for it yes that's not your. boyfriend codling that's you being a. dump in borrowing pay to-day loans for.

his Xbox cuz I felt bad I have notes. here about this I had to scroll down and. find it it's deep in here these these. notes aren't even like for me this isn't. for me this is them taking notes for. themselves like I don't go deep Into the. Depths but I know you were calling bull. you were making bad choices in that. relationship I know from the. conversations you had based on me. digging deep here but you just want to. blame it completely on him that disgusts. me for like the rest of this. conversation that just suggests to me. that oh we're just never going to take.

responsibilities for a single thing. you're going to marry. him. okay well this one's interesting he was. a feeder yes so uh at like trying to get. you like bedbound I weighed four or I've. lost 50 lbs oh I've lost I no I think. I'm pushing 75 now but I've lost like. that's great I was pushing 300 lb and. now I'm Teeter tottering on on uh 200. I'm about to be under 200 and I'm so. freaking excited but he like I mean he.

would come up and ask me at like 2 a.m. do you want McDonald's and I'll be like. yeah let's go or say no that's not. feeding he it he ass if you wanted I was. so I was so depressed Caleb that I. needed well hold on but that sounds. different than someone who's like just. like endlessly bringing food he came to. you and said do you want to go right no. door Dash he would do door Dash cuz he. would yeah but did he door Dash and then. give it to you or did he ask hey do you. want to order some door Dash I'm getting.

food no he would door Dash and give it. to you that's different you made it. sound different okay but he would. constantly like let's go get food all of. our dates was let's go get food let's go. do this let's go eat food I'm the type. of person where I want to go out and do. activities granted I can't do it now but. like activities well I can't do. activities now cuz my free things go to. park have you ever heard of a park. there's trees it's great there's water. that's okay but like wait you can't go. to Parks no but that's not entertaining. it's not like I I well you got to find.

some value in the happiness of just. nature but it's not like flashing lights. like an arcade or something like that. you know what I mean it's not yes Park. is free park in the winter time there's. flashing lights everywhere ho ho ho um. okay but he so you're blaming all this. on him the feeding thing definitely. sounds weird and I'm taking your word. for it but okay you've been a part 50. for for a year and you've lost 50 pounds. which is incredible or even 75.

incredible if you've improved that part. of your life why aren't we improving. this part of your life I feel like I am. because I know that I have a problem I'm. aware I have a problem which is one of. the reasons why when I get no no when. you're aware you have a problem you. don't spend $45 going out to e which is. already bad for you because it was. already bad for you in that relationship. and you put it towards student loans. that you said were holding you back. specifically the private student loans. because that are like 14% because you. went to Baylor you know what actually. happens I'll give you a real world. example again this is one of the first. few episodes that we uploaded on this. channel she went to Baylor she didn't. want I go to Baylor her parents forced. her to go to Baylor they said they'd pay.

for the whole thing your parents didn't. do that from the sounds of it but okay. so she went there because it sounded. like okay this this is where they want. me to go they ended up not paying for. her she ended up taking more out more. student loans than you about double but. guess what because she couldn't afford. to pay for them for multiple years they. went from like $80,000 to $250,000 of. high interest private student loans. that'll never be forgiven that'll never. be a go away via bankruptcy and that's. where you're headed if you continue to. spend money going out to eat instead of. putting it towards the student loans. they wanted to raise the minimum Mony. payment so that it would actually start. going towards the principal a bit more.

instead of just the interest good that's. beneficial the minimum monthly payment. was right off the bat like I haven't. paid anything yet when they called me. you haven't paid anything no I haven't. what do you mean when has it when did it. start when did you drop out of school I. this year so My My My I think I can't. remember what the six-month period is. called but that started in September my. first payment was due in September but I. did the def oh you got an extra. deferment on top of that yes because oh. but the is AC crewing most likely during. that I know but I didn't which you're.

headed into that same situation that. that guest had this is like a full 2 and. a half year reunion with that guest two. years before I didn't know like I knew. but I couldn't I couldn't afford it cuz. it was like I had to were you doing. during that time in September I I I. didn't have I was still making 1675 so I. 1675 I didn't know if I was going to be. able to budget it in because also go. ahead why don't you why don't you um was. a lot of your spending I think a lot of. it was in a checking account right A lot.

of it was in show me your checking huh a. lot of it was savings okay go ahead show. me your spending account in September. let's see let's see I want to see what. it looked like cuz you were unable to. make a payment let me see let me see I I. would be very curious because again so. far it sounds like victim of the world. so let's see completely out of your. control September couldn't make any. payments right let's see go take a. little look August let's take a little. peek okay Chang a i no cuz I started cuz. I it was the first because the first. payment was due at the beginning of. September and I didn't get the promotion.

until September they they gave let's see. August look like a little peeky a little. August pey and screen recording will. censor things just like in your regular. statements okay I can't remember cuz I. switched banks so I don't know if it was. in no go ahead and take a look in your. spending account while you're doing it I. want you to give me a zero out of 10. where do you think your finances are. today zero being the absolute worst 10. being the absolute best I'm seeing a one. on your lips I'm one okay if you want. your Hammer Financial score it's free. it's fun go ahead check it out it's Link. in the description below if you want to. be on the show I would love to have you.

here in Austin Texas we reimburse travel. and all that stuff go ahead go to Caleb. hammer.com apply super fun easy. application and then you get to talk and. hang out with Lindsay and she's like the. coolest person in the the the world and. then I'm going to yell at you and punch. you verbally and it'll be wonderful did. you find it yet it's and then Jake is. there too I can't find it cuz it's just. like. more no account management Maybe. maybe this is so much easier on the web.

I'm. sorry this is why I don't like the. phones you're going to give me time for. a whole other AD. read this episode is brought to you by. learning how to use a smartphone guys. starting in this upcoming Monday all the. way through December 6th we are 33% off. our entire class bundle also 20% off. everything else including our. merchandise I've also added four brand. new sections to our budgeting class. cementing it has the best budgeting. program in the history of the internet.

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as. T-Mobile they actually are good but. there you go you can check off your. bingo card for the. episode I think can I just show you like. the transactions does that work or the. statement do you want yeah yeah oh yeah. transactions is fine okay so I will. start and you want me to scream record. oh yeah okay guys course careers is. having a Black Friday sale right now you. guys should check it out a lot of people. in the audience took advantage of it. last year. helped the resume made more.

moneyy does we're back we're back the. extended ant said me is done we went to. Panera guys I'm good thing we went to. Panera in Cava in the colony and it's. like not fully oh did you scroll to the. bottom no I don't have the beginning. because I this is only starting mid. August yeah cuz I don't I don't spend at. the beginning of the month cuz my what. how my oh you do this so weird okay I. got you I'm sorry I don't don't. apologize to me I got tacos dut Bros an. apple subscription of some kind we.

winning got a drink from 711 we're. zining up we got some Best Buy uh. Tropical Smoothie Amazon Tom Thumb no. you did not have to take a deferment all. this stacked up you probably could have. made a Min payment you got door Dash. there you got Amazon there you got some. more Amazon there weing out we've. literally only progressed two days Star. Donuts. McDonald's uh okay okay oh primi what is. that let me see I don't know Chick-fil-A. d Dash we're back good $30 guys we have.

to doer St L we're couldn't pay these. and we're going to allow interest to. continue but let's get door Dash because. we're four you want to leave the. house $120 sent out there we'll. obviously black out that name but uh. Crush taco and Sonic drive through let's. get real food surprised you're eating. like this and losing weight good for you. I wish I could eat like this and lose. weight if I touch a calorie I gain 100. lb well I stopped eating sugar. $27 I guarantee you the sugar and all. this fast food you're getting.

$27 um twitch. Center great Wendy's oh my gosh we're. still barely through the latter half of. mid August Starbucks Sonic waterburger. Amazon this is crazy morea I canceled my. Amazon account cuz I was spending too. much money congratulations but guess. what you defer to student loans while. doing this apple Bill Sonic Netflix and. I am not canva that time uh PayPal oh. that was PayPal in that time McDonald's.

PayPal out PayPal out so that's all of. my twitch. twitch I shouldn't even breaking even. with it you spend so much. money five are out okay you're come on. that was $138 you're barely bringing any. money from twitch I'm glad you're. bringing in supplemental income from. twitch but the amount of money that is. going out for twitch another $45 there. and then all the extra things. surrounding twitch is crazy in the canv. I'm sure that was associated with that. and Sonic and Etsy out and zelan out $10. Zion out $45 and right around there.

that's where your deferment went in. that's bull you decided you wanted to. live fun have fun if you defer because. you could not survive I would have. sympathy but the fact is I don't even. care if you take deferment whatever it's. not the action of taking deferment that. I care about it's the fact that you're. allowing to sit there without paying any. bounds in the interest is acre at 14%. And I've seen someone in your exact. position from Baylor with private. student loans who got it to $250,000 I. wouldn't be surprised if they're not. like $350,000 2 and a half years later. you're going to end up there there you. are going to end up there and see you're.

a human being that exists on this planet. seeing you get to that position when you. do not have to but you choosing Taco. Bell or whatever and door- $30 over. actually making any kind of progress and. trying to live a better life and have. even more Independence cuz guess what. let let's pretend that last relationship. it was full him owning you all that kind. of stuff from kind of how you made it s. let's just fully take your word on that. 100% victim was correct okay you know. like the victimizing yourself was 100%.

correct cool cool wonderful how do you. get more Independence than never have to. rely on anyone or ever get dependent on. anyone you get yourself out of this debt. but you are not choosing that you are. choosing Taco Bell ring ding ding ding. ding you're just ringing that bell every. day of your life throwing it down the. throat while still losing weight. congratulations I'm jealous crunch WP. Supremes hit hard I'm sorry they do and. they hit my fat hard somehow not you but. the thing is you have the chance for the. better life you have the chance to not. be dependent on anyone else again but.

you are choosing no you are choosing my. future I want to enjoy the goods now my. trinkets my fast food my whatever cuz I. mean now is guaranteed later is not yeah. but guess what if later's not guaranteed. and you die tomorrow you won't know that. you had sacrifice or if you had fun you. won't know even following Let's Pretend. let's you follow most religions even. then you don't uh it says that you don't. know the majority of stuff that happen. in your sentient life here on Earth.

anyway so no matter what happens. essentially based on your beliefs it. doesn't matter so bet on the higher. statistical chance that you're going to. be here tomorrow and sacrifice for it. cuz you won't know if you had fun and. you won't know if you sacrificed either. okay but fun okay now see are you trying. to be a little cheeky a little fun. you're a little silly guy stop you're. not stop stop this is your life you're. what I like having fun this this this. it's hard it's hard to be better when.

you like old habits die hard I guess. it's really hard to try then you don't. care to an extent I do I feel like yeah. but you care about Taco Bell and door. Dash more cuz I want to feel okay if I. don't feel okay what's okay what is. feeling okay what about Safety and. Security not having to depend on anyone. ever again that feels better I guess. you're together five and a half years. and you had to fight to get away it. sounds like cool so if that's the case. why set yourself up for a higher likely. chance you would be in that position. instant gratification then call it what.

you will okay but I it's it's hard to. see at the future because it's I want. instant gratification now yes we all do. we all do but when I got out of debt. which was similar debt to what you have. I put that aside and my life is so much. better. now I can see how it can be better but. it's and you'll have amazing instag. gratifications when life is better I. promise so a relatively temporary. sacrifice let's start with this Discover.

Card okay on here you owe. $1,368 122 I think your private loans. are a couple documents in we have a $49. M monthy payment for your income these M. monthy payments are going to stack hard. so I typically pay right now it's. actually down it's at 1,000 right now. you spent $2,000 in the last eight. months on art for twitch for twitch but.

you've barely made that much you just. got lucky these past couple months cuz. it's your birthday and you have a. dedicated fan base which is awesome I. love that for you and good for them as. well of being so kind but come on what. kind of art what are you kidding what. what do you mean spending on Art what. art are you buying what are you doing my. model art she looks hot as but I like. model what's a model so like I am I'm a. vtuber so like the model art movie so. it's not even you no it's of my model. who looks hot as okay we're not going to. show it on screen but can I see yes you.

can do you want to see right now I would. like to see right now cuz I can judge. hotness do you want to I'm going to show. you this is going to be. good involved I can show you one with. involved well okay do you want to see. one with or do you want to see with butt. I'll let you. pick are you a guy or are you a butt guy. I want you to give me what you. think okay sure I guess if I I found. cartoon characters I can't that doesn't. excite me I'm sorry well then that's.

that's on you but here's it is on me see. yeah the butt doesn't do it either it's. a cartoon butt it's a very animated butt. like well that doesn't you know okay. yeah no you we save the Goon behind the. our YouTube membership typically if you. if you're a fellow go like the rest of. us but I am a fellow go okay well you. can't afford it. so the. thing those two pictures a little bouet. censored by the way it wasn't even real. or like you know. for like for commerci fees because I am.

opening a merch shop tune so I have to. pay for commercial P my artist like no. like I have a personal artist what have. you made net like $5 in the end so for. this I have inserted soft launches next. week but I don't know but based on how. much interest it is cuz I did like an. interest check and everything like that. I Pro the 24 people that show up so it's. consistently that's the thing cuz it. rotates like not every I know we live. stream in our YouTube m I get it. so I'm projected to make about 600 I.

think I need to look at the numbers in. mind. you you spent 2,000 that's not all the. all in the commercial art though cuz I. spent that is also on my model which is. a lot do you sound like this when you're. V tubing no you so you have like a voice. modifier no Oh you mean like I didn't. know what you meant I thought you meant. like my dialect or anything like that no. I sound like this this is how I sound. what El cuz people like different. dialect people's talk different you get. like a British accent all a sometimes I.

do you know what I mean okay stop. gosh okay it's a t brid accent but it's. an accent regardless stop yourself. please for the sake of my sanity thank. you they're they're typing tomato in my. chat with them tomato boo no like Boo. like you boo stop I think I'm doing a. great drob no job this isn't a job my. accent this is not a job now oh my God. okay you are you're turning me into the.

I've been on your side you're literally. I'm going to start not liking you please. I do not want to have that feeling I'll. stop I'll stop again you are a person. that exists I've seen people who get in. the situation where you're headed to I. want to prevent you from getting there. okay and I take this very seriously and. I know I'm intense but I take this very. seriously because I want you to have a. better life but if you're just around. I'm not recording this I'm not filming. if you're around I'm not I promise I. pinky promise I want to touch your V. tuing. pinky so.

$1,368 22 on here $49 minimum the. payment please. $145 of purchases meaning your balance. went up even though it is a crewing. interest so mind you here's some Bingo. Financial audit it's a credit card that. you can't fully pay off that's AC crew. interest yet you decide to purchase on. it go ahead and walk me through your. logic there please cuz there's none so I. had an event that happened in October. that I didn't have to make purchases yes.

however what was the event it was a. event in uh the DFW area that I was a. content creator for and I got uh was. like featured or whatever but okay so. you should have been paid instead of. sending money that I purged just because. there were little. trinkets thinking about glp1 meds like. OIC or wovi then you know the struggle. of dealing with insurance and endless. appointments luckily our sponsor row. makes it way easier to find out if. you're covered without all the hassle.

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trust and use Row for glp 1's medication. so what are you waiting for that's row. c/ calb it takes just a few minutes so. what are you waiting for go to. r.co calb to find out if you're covered. for free I have going inside a gas. station for a drink I have some Barbecue. Catering then I have specs then I have. specs and then I have Amazon so so it's. not all that the food because they. wanted to go out to eat after the event. and everything like that huh they wanted.

to go out to eat to barbecue after after. we did the event one night they who's. they my the people who invited me to. come go to the event and everything they. wouldn't cover your food even though. they invited you to go to the event with. who the are these people no you're. listen it's St being bad. invites well I mean it's I also struggle. with people paying for me as well like I. don't give a why because I don't I I. think it has to go back to like being. financially like depended on him which I. know I mean based on finances it's like.

I'm not doing well for myself but like I. don't want to go back to people I get it. but you know that's different we can. separate it a little right yeah I get. there's probably a little trauma. surrounding that relationship I get it I. get it I get it and then the like just. liquor for days and liquor for days and. Amazon I don't normally so the Amazon. one was for my the business stuff I went. inside Texico and got some bull I did. get I got a monster which I. have been better on because what I do is. I now bulk buy instead of cuz the if you.

go to the gas station it's like $8 for. Monsters or whatever so instead I go to. Kroger and I get a 12pack of monster for. 20 bucks I don't care you went and did. it okay but like I'm doing better I feel. like I don't it's not reflected in your. statements anyone can say anything okay. that's fair but like I yeah added 24.74%. interest right oh that's how much that. was what I I don't remember how much my. my interest interest rate on my Discover. okay Capital One what's the balance cuz.

you provided like screenshots of your. purchases but not a balance or interest. or anything oh no I should have did that. but um my balance is. currently there there's a pending. payment right now to pay off the card so. it's completely really yeah cuz what I. do is that is uh I'm switching. everything over so all of my stuff that. I need to pay for twitch that is all. going to be on Capital One so what I'm. going to start doing since I'm making. enough money is just going to pay off. that card every single month so right. now Jake did you have a balance no did.

not okay so do we just treat this like. PID off. then um it did say on. the Experian report that there was. balance of like a couple hundreds cuz. it's it's paying now it's it's like I. yeah okay do what was the balance I want. to make sure we actually made. substantial progress it was 300 I. believe like 300 oh okay listen in. that's not it's not no good job paying. that off that is showing a little bit of.

discipline there specifically with that. card gosh but compare that to like the. 1,368 on that other card in these. student loans I I really thought when we. paid off a card we like paid off a card. so when I pay off discover that will be. a big win for me because I've had that. card since I was 18. okay gosh sorry sorry I don't want to. take away from that win I was I kind of. like when you say I've come into a lot. of money it was it was like well I paid. off this card wo I was like but okay 3.

bucks okay so you put money on here you. spend it off it's okay uh if you want. that little extra safety that dude use. the Fizz card it's a debit card but it. builds credit so you get the same kind. of things but you're not going to over. spend on it spend more money than you. have in your checking account valve is. spending in there Humble Bundle oh wow I. haven't heard of that in a bit door Das. we're still door dashing sick listen. here's the thing you're right you put it. on this card you pay off this card. congratulations that's wonderful but. guess what we still have the St student. student what the movement it was funny.

I'm excited you have the student loans. to pay off even if we're putting the. door dash on a card that we're paying. off that is still $30 that you were. paying off towards the card that could. have gone to paying off the student. loans that are acing at a 14%. interest so it's still not a good. purchase Amazon I need to look at your. Amazon and then Sonic and Sonic and. noodle it's all bullsh this isn't twit. spending what are you talking about well. this this is this is this month this is. this month this is me switching over.

because as you can probably great so it. wasn't what's going to be what's. actually going to be different other. than you thinking that it's going to be. differents well CU I I have to close my. Chase account I have to why because I. don't want to be with Chase because with. discover checking they pay you early oh. come on that shouldn't be the thing that. shouldn't be the issue I don't want to. have listen if that's the reason then. again is stemming from just. Financial inability to huh not. immaturity but inability to a manure. finances maybe Financial immaturity but.

like getting that pay quicker like a day. or two early that shouldn't be what's. making or breaking us if you're managing. and budgeting correctly go through our. budgeting class you get all three of our. programs you get them for free go. through the quizzes do it do it with. your family if you want to I don't give. a right now they're all bundled together. for 10 or 15% off I don't remember what. we decided but check it out uh but come. on like obviously with the Chipotle and.

the Dickies Arena Tropical Smoothie Cafe. going inside and get going inside and. getting some tacos and. Chick-fil-A that all even if paid off on. the car could have been going to the. damn student loans and prevented you. from turning like that guest that was on. the show two and a half years ago the. Dickies Arena my that was a purchased. for my sister sister my mom paid for it. she gave me money on that okay that's. fine I'm okay with that yeah I don't. know if I would have put it on credit. it's a little risky what if you don't. pay it off.

interest maybe some business purchases I. don't know there's like office who. knows okay so this is the this is the. big guy this is the big dude in the. room the crazy thing is the balance is. something you could deal with it really. is as far as student loans go 28,9 61 is. not look at the starting balance listen. I get it it started at. 22 I've seen worse on the show I'm not. trying to dis Minish this dism this but.

the thing is I think the average person. walks away School. $40,000 I I don't have a degree though. that's I know I know but walks away 40%. of people uh who go to college don't. graduate so I was one of them but you. know as far as like you made it sound. like this indestructible Force where it. is statistically if we put it on the. scale it's pretty darn in the norm the. interest rate is rough don't get me. wrong on that front but the deferment. when you could have paid on it we know. what was the minimum you payment at that. time 300 you could have paid that I saw.

$300 a purchases times two minimum and. we already know you spend $400 and going. out to eat so I don't give a you you're. doing this to yourself you're destroying. your life that's your. choice so you're acting like this is. much bigger than it is it's not it's not. insignificant and it might feel like it. has feelings sure okay great cuz that's. what's you know making or breaking our. financial situation not the actual. number the the everything feels like a. Giant Mountain to me Everything feels. huge and just looking at that number CU.

it it aced so much over these last years. it then cuz you chose not to pay on it. for this this this a couple months I'm. going a couple months in but that's a. couple months of no money going towards. it at that 14% that's insane let's see. come on one month almost $300 of. interest is in crewing it's eating like. I said it's no more tongue destroying. conversations we don't need to have that. that's fine listen it's the the thing is. you're just I don't know you're making. it sound indestructible like you have no.

control over this and that is victim. mentality and if you have that your. entire life you're never going to. conquer it never going to conquer. anything you're never going to be able. to retire you're never going to have. self-control you're going to end up in a. relationship like that again like if. everything is beyond your control that's. where you're going to end up you're. going to end up at the bottom of this. mountain that you're afraid of. constantly you're never going to make a. single step up maybe once you go up it's. shorter than it seems you don't know in. fact it is cuz again even still this. balance after all the interest recruit. and never making any progress towards it.

it is still over $10,000 less than I. think the median person uh borrows when. they go to college whether or not they. graduated or didn't but I don't think my. salary reflects like paying it off. quickly like it's just like CU it's. gonna girl sorry again I say that for. home you're good you're good you're good. you're good Go For It Go For It Go For. It Go for it I'm ready I'm ready I'm. ready you spent $400 going out to eat so. salary reflected we know you could have. put an extra $100 more than your minim. Mony payment if you had to do your. minimum Mony payment on it this is your.

choice yeah. [Music]. exactly yeah we're destroying our lives. it's a funny joke it is a funny joke I. mean life is a funny joke what what are. you talking about well because it's it's. I don't know how to deal with that life. is a joke I feel like to an extent. because sometimes it feel like it it's. not real you know what I mean feel like. you're just endlessly deflecting with. humor like you have no other coping. mechanism other than just like like our. Life's a joke whatever I again that with. assuming that this is indestructible and.

you cannot conquer that you are never. going to get anywhere with that never. well then let's change that well I would. love to participate please in that. change would be good I mean you're. making it sound like you can't do this. but I know you. can I think I can. because I feel like I want to make my. life better I feel like I do and I think. I think I can because it's would make. your life better paying on that loan why.

because it's not going to keep incurring. right after like $300 sure what's better. about your life not having this debt. being able to buy a house soon that. would a house we want a house I would. love a house house is great I would like. to be debt fore by the time I'm 30 you. can do that I think unless there's. something in here I don't know about no. cuz my the only other thing that I feel. like would be significant is my car loan. but I don't have one my car is paid off. oh well okay what what what's your car. my car is a two 2017 Volkswagen Jetta. how's she doing she is going to need a.

replacement here in a year and a half I. feel like year and a half okay so we got. to essentially calculate 10,000 bucks. into that yeah cuz uh she's at one I'm. numbers it's five or no. 138 comma. 00 I don't know how much 138,000 that. that's how much miles she has on you. didn't know how to say that no I I think. I have the thing where the numbers like. to jump around in my head a lot and. sometimes times I see the number wrong. that's probably yeah it's can do you but.

I feel like that is also I I I think I. see all of this right I see all of this. stuff and I get written down two numbers. this isn't crazy so far but it's it's. still like I see everything that I have. and I think it's just really. overwhelming and I think I get the sense. of overwhelming that's fine but again I. want to correct that mindset a little. the longer you let it sit the more. overwhelming it's going to become may as. well just rip that Band-Aid off it's. going to become even worse and we know. that cuz it went from what uh 2020.

22,000 to 28 so you know it gets worse I. know it gets worse actually let's just. do some basic math on this let's just. pull out my compound calculator if I. don't pay it for because my next payment. is due in March so if I start let's just. I'm just going to say you keep deferring. this thing right cuz you just keep. saying I can't make a payment I'm an. endless victim so you know it's it's. absolutely burst 14% annual interest on. this okay let's just say you don't pay. it off the next 5 years that becomes.

76,000 holy yes and that's what happened. to that other person she just kept. deferring wasn't making payments. building absolutely and the minimum. payment gets worse 152,000 if you don't. pay it over the next decade that is a. lot more than what if you're not. terrified of that I don't know this. looks overwhelming you don't even know. how bad 150,000 that's like that's like. a down payment for a house basically oh. well that's a huge down payment for. that's that's like half of a house. because the houses that I want are like. 30 300K but it's that's a lot of money.

uhhuh yeah yes that's what I'm saying. so I think maybe possibly cutting back. may help just a little. bit but I villain laugh. $2,327 on this. airm yeah I default on that oh for it's. closed um does it sold off to. collections yet I think so no I don't. think so you don't think so no cuz.

account I do have a collection on count. no it's still under airm okay okay could. be Collections and that'll hurt your. credit even worse and you want to get a. house okay well that is so what happened. with that is I was still trying to do. school and everything like that so I. tried to do that with the dental stuff. huh so I just tried to do a dental. program and that didn't work out very. well for sure yeah why were you. affirming things that you couldn't pay. because I needed an education that was. the pressure why were you affirming. though because it was a program um that.

cost you affirmed the program I did yes. were you still in school while doing. this program this was the school this. what what did you try to do so I this. was post Bor this so I went to two. different schools yeah yeah yeah what. Baylor and Grand Canyon University okay. Grand Canyon and then this was after. Grand Canyon oh this was a third attempt. yes and I did not do well clearly okay. obviously the course careers we going to. hook you up with one of those. certifications but. and it's free for.

you 25% off for everyone else for Black. Friday but free for you uh Grand Ken. University we ow we owe to them only I. mean it's 1,361 again not insignificant. but what happened with them is I didn't. see when I was signing up for my. scholarships that if I failed a class I. would have to owe them back the schar. come on why' you fail class we already. know you weren't doing anything actually. why did I fail a class I think I was if. I'm being honest hon yeah probably that.

that makes sense I think I was around a. little bit I think no actually I was. working at Target and I was trying to I. was putting more effort into Target than. school that's what was happening and I. would miss my class time because I would. try to work so why haven't you paid this. cuz guess what it's been almost two. years no they that just started showing. up on. mine I like I'm just now started getting. calls for it calls for it being closed.

but I think it's not it's not new though. you've owed it since 2023 it says yeah. CU they started what they did is they. called me when I was still in my old. apartment and when in 2023 so it was. like probably like so why my question. then stands why not pay because I didn't. have a job at that point because I I. what happened is I didn't get my. full-time job that I'm at right now. until February of this year why why. didn't you have a job because I was the. quote unquote Homemaker and quote.

unquote I was still going in the. relationship yes he wouldn't let you. work he I wouldn't allow he was wanted. to make my life better he wanted me to. like cuz I he wanted Trad okay yeah but. I'm not a Trad person sure why didn't. you say that people please her I guess. it's just I really really wanted to be. something well did you guys talk about. it though yes that because that's what. I'm curious I don't mean like why can't. you say it if he won't me you I'm just. like you did talk about it he is like no. we talked about it and we decided it. would be better if I we decided he yeah.

it so you did we did talk about it yes. and you agreed yes I am very I'm a. pushover when it comes to that kind of. did you agree though I in my heart no. cuz I know that I wouldn't be happy as a. tried I would not because I like to be. with people and I like to go out and I. like to create things and stuff like. that all right Grand Canyon it's 1,361. that was probably how long have you had. a job now uh February well why haven't. we paid it since then. cuz I've been paying off other things. actually I haven't been going to you.

come on come on come on come on CL. account look at the Clos account even in. October August August when I was looking. at your statements it was every day was. just going on just shoving food down. your throat what do you mean honestly I. kind of forgot about the the grand kingd. there is that's an actual stop trying to. make. excuses. upstart uh so that was also a it's. supposed to be a student loan um I used. it to go to uh Community College so what. happened is I did this program um oh.

this is oh. wait okay yeah I did a program where. they told me to stop paying everything. and then they would um oh no and and. they sometimes oh it gets yeah okay what. sorry and they would take care of it and. deal with the the uh thing whatever and. then my mother said to not do that and. uh said I should pull out of that so. then I started um okay sure yeah so I. started. that's why there's a dip in my credit. report cuz it went I was in the 400s.

well but you didn't deal with it no cuz. I let them deal with it and but you. didn't you pulled out of it so why. didn't you then deal with it um because. I don't have that money right now for. because it's it's a lot of little things. little things add up yeah but this has. been for four years well cuz no I was. making the payments on that one for for. a little bit I was making the payment. well that's 4,228 o yeah T-Mobile for. sake that one was supposed to be closed. cuz that one wasn't me that one was. supposed to get it's on your credit dude. well no I did the disput the thing in. Credit Karma where you can dispute it I.

did it for that and they I guess it's. back on so I guess they need to figure. out what's going on but that sounds like. you failed the dispute probably so I. need to call them and figure out sounds. like you were likely on it I mean when. you signed up for the service with this. other person you were probably on it. which means you were owed it I mean you. don't get to get out of it just because. of that because of emotions that's not. how this works that's not how this is. ever going to work if you signed up for. something you get it still but I didn't. think I consequences okay but you do. I didn't think I did I I honestly okay. but you do I I'm confused that that.

doesn't I didn't you know you no I do. but I just I didn't honestly I didn't. think it came back I thought I got rid. of. it okay well only 364 there again. actually I think that's the one I no I. paid I paid off a different one cuz I. did have a collection I probably don't. have that though okay I paid off one. collection I don't have it cuz you paid. it off okay okay. okay and then we have federal student. loans this brings you closer to that.

average so Federal I have been paying on. time so what I do is I get bonuses from. work and everything like that so I put. that cuz out ofs side and out of mind. for me I put all my bonuses $ a month. yeah I put all of my bonuses in a. separate savings account and this Auto. drafts from that account so that way I. know it gets made everything you can. make $82 a month you can make your $300. a month one as well you actually budget. so okay I mean sure guess I can give you. high five for an $82 month payment uh.

okay I'm glad you are paying on it don't. get me wrong they would have actually. like probably deferred you without. interest acre so what I should have done. is deferred no you shouldn't have. deferred any you should have cut back in. your wants for sake 2.5% shut up 2.5%. interest 7 4.7% on the highest one so. none of them are desperate to pay off. early student loans i' minimum the. payment until those are paid off. specifically oh never mind I think I. think I have other collections uh 364. through T-Mobile way I already looked at. that I can't remember if that's the one.

I paid off or I paid off a different one. because there was two Collections and I. paid off one collection okay well we. pretend like you didn't since I don't. have another one. anyway is that it no other. deaths I think that's it because it's. just my my credit cards my student loans. and then um can I check credit karma is. that okay oh yeah check have a little. cuz I think that is I think honestly to. God that's it cuz I couldn't get into my. credit karma being honest.

for what I'm supposed to do if you're. not cuz I think you keep looking we. ended with $152 on our discovered chck G. for sake it's better than being sake. sure it is better than being negative. but for sake that's scary cuz that leads. us to being negative we I mean we. started with. $30 I you oh cuz this last month was. rough this last month I why it was your. good earning month no because I had to. pay mon no cuz I had to pay for car. insurance I paid I prepaid for car. insurance oh okay listen and I think.

most people. should but even if you pay a little more. to make it more affordable for you in. the moment and so you don't go negative. maybe it makes sense for a quarter to do. monthly for a moment like if it. literally puts you on the edge of not. having money you don't push yourself to. save a few bucks which I want you to do. you don't push yourself to the edge of. overdrafting that obviously doesn't math. automatically makes sense in the end I. think that is all of.

it cuz then sounds about right okay. good so as many of you know I've been a. big supporter of course careers for a. long time I'm not just a partner I. actually own stock and I'm an investor. so why did I partner with course careers. because I truly believe in what they're. doing a lot of people have questions. about online certifications versus. traditional college degrees let me be. clear I wouldn't put my name behind. something unless I knew it worked the. thing is not everyone has the time or.

resources to spend four years in college. or take on massive student loan debt. course careers offers a practical. affordable way to launch a career in a. high demand field like Tech sales it and. accounting where companies are hiring. based on the skills needed not broad. college degrees in fact right now one in. three companies are dropping degree. requirements and that number is only. going to continue to grow I know some. people think online programs are a quick. fix but that's not the case here course. careers takes effort and commitment but. they provide you with a streamlined.

proven path they offer up-to-date. self-paced courses one-on-one or group. coaching from people that work in the. industry and most importantly they help. you actually get hired just look at. graduates like neso who went from. driving FedEx trucks to a cyber security. job at Disney that didn't happen by. chance he put in the work in course. careers guided him every step of the way. and what truly sets course careers apart. is that it's not just about learning. skills but Landing a job their. curriculum is designed based on what. employers actually need and their.

network of Industry coaches will guide. you through the entire process from. learning the skills to interviewing. resume help and Beyond so if you're. serious about starting a new career. without wasting years or piling up debt. give course careers a try start with. their free intro course Linked In the. description to explore your options and. when you're ready use the link in the. description for $50 off the full course. your future starts right now and course. careers is here to help you shape. you're paying for twitch here paying for. twitch here you pay more for twitch than. you like you paid for twitch $27 there.

as well Raising Canes so I'm glad a. little bit more money came in but I'm I. guarantee on your business you spent. more than you made at this point. absolutely 7-Eleven you win and you got. some bull dominoes. Amazon people like you I don't know. steam purchase $10 Amazon PayPal PayPal. winning and got you your special little. monster Amazon paid for Discord Nitro. Amazon PayPal out more Discord purchase.

there valve Sushi Neco Amazon PayPal and. out Amazon McDonald's Etsy Dutch bro QT. $100 gosh dude Chipotle white Ron. McDonald's Queen something it's a. restaurant steam purchase shy Neo when. inside got some bull when inside got. some Bullit. lots of PayPal transfers do I have your. PayPal account I don't think I let me.

yeah I want to see it there's so much. money going back and for in your payp of. course I want to see it come on why. would I want to see that what in what. world would I not want to see another. statement if we're looking through your. statements come on a lot of it is screen. record for us screen record what were. you saying a lot of it's for twitch a. lot of it great so even more money spent. on Twitch you've what well because no. you're doubling what comes in from. twitch Point even in your good months. come on a lot of the stuff from poll is. is from like I pull from my bank account. I don't have a bank account PayPal when.

we make a bunch of what do we how much. do I put in for twitch you know not for. income for spending because you spend. this insane stupid amount of money yeah. paying paying for people paying for. people paying for people commission. commission Humble Bumble Blossom stream. that thing Val this is more commity and. the Microsoft subscription so. more McDonald's McDonald's come on more. going and more McDonald's and twitch and. twitch gosh I wish I could eat. McDonald's every day and lose weight.

more twitch more twitch more. twitch McDonald's Etsy twitch twitch. video games. Discord pay people oh make sure we're. bling out their. name you you paid for stickers. $240 I pay that person a lot of money. yeah you do and you don't make enough to. do it and you have high interest student. loans they're going to hold you back. remember what we just talked about how. if you don't pay it where where how. where those student loans go remember. that you remember the little. conversation I think I do yeah that's.

where that's going to go how about you. do that instead of paying for stupid. stickers plip your Amazon while you're. at it don't stop the screen recording. we'll keep going cuz you there's so many. Amazon purchases around all these things. oh for sake there's even more purchases. another checking account and. me I do appreciate you coming on the. show I know I'm hard but come on I got. to call you out for your I mean. it's fa this is so stupid the way you're. the with the twitch stuff it's so stupid. Oh for sake okay all good we have a.

harmonica guys life saving well that's. that's that's for a twitch thing that I. stop you're spending more on Twitch than. you make and it doesn't make sense. because you have student loans that you. can't pay off that are at 14% are going. to ruin your life okay USBC stuff 50. sheets of heavyweight white card stock. ideal for something some cat litter. stuff dish. drying Electric Shot. collar only use the Buzz I it's on my. it's on my thigh so it doesn't I can use. shock on my. thigh a kink thing what no it was for.

twitch it was it was a stream thing I. was going to say if you're using it for. dogs they only do the beep and vibrant. but I don't like the shock shock no I. don't either it felt my thigh look you. got another one no this is a heart rate. monitor yeah okay you have a heart High. rate so those two things record you. don't need to be doing record stuff. right now come on I do have I know you. don't need to be doing but MacBook. Pokemon I didn't buy that that is oh. that's a recommended thing yes I don't. have money for a lot of those purchases. were stupid you can end the screen.

recording s okay and then again in here. we have more Discord for s that was the. dis the the Nitro all those other ones. were extra what are you doing on Discord. no they should all be Nitro no they are. Nitro 100% I will back myself up on fine. Tropical Smoothie Amazon Amazon vening. out $10 you beeno so much money too. Pope ising more canva for us how I make. all the cool I know but you you. spend more than you make again we've.

been through this and we know where your. student loans go so I don't give a water. Burger huh nothing. continue go don't make me don't come on. zel ATM $40 zel out 782 what that's rent. so what I do is I give my roommate the. money Dark Crystal $85 that is yeah. selling out Fila Subway went inside got. a monster the is a Dark Crystal I think.

that was when I uh went to do the con. thing and I bought cool things oh my you. didn't get paid for it and you spent. money and you got so come on guy come on. come. on and then this neck checking account. $212 in there zelling out money and just. transfers it was. simple what was that original checking. account how have you not had an. overdraft fee I am so surprised you. bring yourself so dangerously low it's. crazy is 100 dangerously low yes if any.

payment hits or any emergency happens. are you kidding me then in uh your. savings account 171 retirement is400. okay so we're definitely behind on a lot. of things I thought I was the head on my. on my 401k me for my age yeah no no well. probably compared to like the median but. in terms of where you should be no where. should should be CU I feel like 23 you. want to essentially be on track to have. one times your income by 30 and at this.

point you're not on track to hit that I. would I would probably guess what's one. track of my income what's your total. annual income great question come on I. think it's like I think I calculated it. I think I'll calculate it how about that. 18850 18850 times 9 hours 40 hours a. week 40 hours a week 38,000 hour you. should have about 40,000 hours in. retirement that 1, 1500 ises not double. enough to be able to hit 40,000 hours so. no you're behind I do 5% and then my.

company matches 5% plus 10% is not going. to be enough to get you to retirement. you want about 20 okay okay it's okay to. start little when you're it's okay to. have a smaller balance than you're first. getting started but um but to think you. are on the right track you are not in. terms of having enough I feel like since. I started in February I feel like it's. good for starting in February for. starting in February okay but but again. I just don't want you to think that it. is enough how much would be enough like.

with 1.5 by getting to 40,000 by the. time you're 30 so whatever gets you on. track to get that well then how am I. going to afford that in a house too oh. you got to start making sacrifices but. we need to be able to have enough money. to live you can get house Poor House. poor is when you have a house but you. just can't afford to live there and. can't afford to retire at any point. that's more dangerous I would rather you. have retirement and rent in terms of. just life security by being able to take. advantage of compound growth in the. overall Market let's listen I'll sit you. down to talk about this and your. retirement stuff with the domain money. financial adviser they're my financial.

advisors I like them everyone in the. audience gets a free session with them. if you guys want I highly recommend it. they're really smart you get a free. session as well we'll get you connected. with them they can talk that retirement. stuff with you okay okay we need to get. you to manage your budget or else you. won't have enough money to retire it's. as simple as that so let's do the. [Music]. budget what do you think hits your. account on a monthly basis payroll. deposit at 3,000 does that sound about. right. yes because that just got it's it's a. little less it's typically about 28.

because I got an uh an influx paycheck. recently for my last paycheck was was, 1500 it's 28 and then I'm going to add. 500 for twitch okay yeah yeah yeah is. that going to be manageable you gonna be. continuing to do that yes because 500. 3,300 but how much money are we spending. on Twitch what am I putting aside for. twitch a lot since I have two trips to. Califor I have two trips to California. plan sake what I have to go to Twitch. cont have to well according to my. manager I have to I have to you have a.

manager I do yes come on manager who who. a twitch manager maner okay well of. course he wants you to go to Twitch con. it's his job yeah because I have to go. to Twitch conon in order to like prel. myself forward because if I don't go to. twitchcon you have to yes because that's. where all the Partnerships are that's in. order how I move up to the next. sponsorships yeah sponsorships get a. actual manager a real person who will go. advocate for you for sponsorships and. get you sponsorships I don't have the. money to do that so no they take a cut. they take a cut yeah they take a cut.

they take like 25%. so but if then I lose more or is that no. they go get you sponsorships and. whatever they bring you they get. 25% how much is this trip to twitchcon. it's going to be like how much it's. going to be like 3K 2K I mean you. objectively can't afford that you can't. but then also then I have another one. too so I have like what's your other one. that one's in June called what is it. it's called off Kai that one is like a. YouTuber only convention okay don't go.

to that one okay but don't go to that. one but that one's just for vtubers and. that one has a lot of like it has it has. more opportunity for vtuber growth why. are you doing this come on we are so. close to the end man we are so close are. you kidding me are you kidding me we are. so close but I I it's just in the. budgets so that way we can like it's not. in the budget year it's for next year. hey hey hey hey okay we'll see how much. money's left over but I doubt if you're. going to get at some point you're going. to get to some damn point listen it's.

probably not going to this is such a. stupid thing to bring it to the end you. know you can't afford this is this funny. no this is not funny why the you. laughing because like you said earlier. I'm trying to figure your. out buddy how much do I need to set as. set on a monthly basis you you were. spending money on Twitch stuff on Twitch. stuff so how much money do I set you. know what this is what I'll do this is. what I'll do whatever money you bring in. from twitch you can spend that on Twitch.

but you cannot spend anymore cuz right. now you're spending double okay okay so. 2,800 is your income all right that's. what it is for sake your portion of rent. utilities altogether is 10 thou uh. $1,050 right yes is that including. internet no what is internet for you. 50 car insurance uh it is about $200 a. month since I prepay it so I'm prepaid. until 6 months from. now so but I should put aside money so.

that way it's going to be 200 a month we. don't know since we're switching. providers since it was outrageous phone. bill uh I don't pay for my phone down. parents yeah okay gas vroom vroom drive. drive that is about 200 a month give or. take TP fun anything else you need to. survive it's going to be $100 food. you're going to meal prep cook a couple. times a week uh and refrigerate. $300 do you have any pets my mom pays. for them including pet insurance yes she.

has everything for that cuz she knows. that I need them but I medical healthare. Mom everything yeah cuz I'm under her. you're very still much dependent on I. pay for Co co-pay you said okay how much. on a monthly basis so I pay $50 cuz I go. see my therapist twice a week or twice a. month so $50 a month yeah that's cheap. okay so to be clear you are still. dependent on someone you said you didn't. want to be and you refused to allow. people to pay your meal but you're very.

much still dependent on someone hearing. all this health care it's it's just. because she has a better plan no and I. get that but again with her pain for it. you're not even reimbursing her cuz. she's getting money taken out before her. pay hits you're still dependent on. people I'm not saying that's necessarily. a bad thing but based on what you were. saying earlier yes and no it doesn't hit. because she still pays for the same cuz. she has two other kids so it's me no. that's fine I'm just saying you said you. refused to be dependent on anyone. earlier but you are very much dependent. on her for multiple bills yeah but it I.

feel like if I was less dependent I. think it would I don't think I would. have the money for trying to pay off. anything else no I again I don't. necessarily disagree with that I'm just. saying based on what you said earlier of. refusing to be dependent on anyone else. but that is not true you are to an. extent to an extent yes of course but. your pets your phone bill your health. care there come. on anything else that needs to be in. your budget that we don't have this is.

pretty damn minimal just gas food we got. gas is there food is there is there a. gym no I have a home gym um and. then I would like a trinket budget your. trinket I'm going to I want what is a. trinket I still don't even know what are. you doing cuz I've never heard is this. the new sweet treat what is a trinket a. trinket it's like a little thing that. you can just have like this this is a. trinket why don't you use your trinkets. this is a trinket I already had I don't. need to buy a new trinket I have this.

trinket I like shiny shiny new things. yeah shiny new things your shiny new. thing is being debt free it'll be. awesome but I I like oh I get it you are. a child you are a 23-year-old baby I am. but I just want I that's not funny it's. not cute it's but I need to drink it I. just just okay just 25 bucks 25 bucks 25. bucks I I'll put 25 but I feel like I'm. just giving you an excuse to spend money. and you're going to go over is so. stupid but I I need shut the up that's.

the dumbest thing I'm upset I even. agreed to that cuz I feel like I'm just. allowing you to be bad allowing you to. refuse to. sacrifice trinkets I mean I'm already. sacrificing I'm sacrificing with food oh. my gosh oh no so I'm s you have an extra. th000 a month okay you have an extra. ,000 a month listen if you want to start. paying off that quick you got to pick. twitchcon or paying off that quicker how. quicker would it be when's twitchcon. when you need to pay for it um Twitch. con's in October so I was going to do a.

donon in um if they if they pay for it. you can go okay because I'm saying you. can spend what you make your Twitch. money on Twitch stuff okay budget like a. thousand if possible I I don't like. you're taking away a month of progress. fine what if but but that I mean sure. you can but that is a month of progress. you are losing and that you have to be. willing to accept. it's gonna can I wait until closer. because I I if of course but this debt. payoff is going to be by then okay again.

all your student uh okay all of your. debt together is $47,000 so we know that. that takes about 47. months that's not that bad actually no. it's not that bad but twitch con is. before then a couple twitch cons yeah. it's four years so that's going to set. me back a lot but if if the that's if. you do four twitch cons and you pay more. out of pocket than your Twitch people. pay you then yes it will it's stupid. listen I definitely get it I definitely. get it but guess what I've done pretty.

good on YouTube I've never gone to a. YouTube gun of any. kind well then you need but you need. Partnerships so I don't know how you. understand do that I think yeah you need. someone that goes and shops Partnerships. for you they bring it back to you you. have to see if it Vibes with your morals. Vibes with what you want to do you. probably turn down the majority of them. like we do and then at that point you. just accept them and then they get a. little cut it's an agency so then I need. an agency then so that way I can stop. spending so much money on stuff yeah. yeah reach out to some. agencies but okay okay but try that if.

your entire region of going there is. getting Partnerships try that it is it. is my entire then try that first you. have until October but even four years I. don't think it should be four years I. really think I get you wanting to do the. thing but the fact that you're doing 40. hours a week at your job and then 40. hours a week on Twitch you could be. making so much more progress if 20 of. the extra 40 hours a week was at a. second job actually bringing in real. money. and at that point you know that would. probably bring in an extra thousand. bucks net after taxes minimum so you do.

that. wonderful and at that point that doubles. your debt payoff Journey from four years. to two years because you're also going. four years without a fully funded. emergency fund which is absolutely scary. yeah cuz I my car has like I've had. exactly so if we incorporate that into. that's an extra $10,000 now we're at a. fiveyear payoff zone why not get that to. two and a half by using 40 hours that. you're doing twitch and doing 20 for. another job I know what you want to do. but what matters more the twitch or. being debt free with an emergency being. able to.

survive give me the honest answer. honestly twitch I know I know it's. selfish I know it's selfish but I would. rather I would L that's your answer. that's your choice that's how you're. doing it I get it that's fine but you're. setting yourself up for a much harder. longer stressful life you really are. whatever spending in a budget you over. spent zero out of 10 wait did you I. think you did I'm pretty sure you did. let's see uh spend in oh guys we didn't. even we even talk about this you oh wait.

there yeah wait okay there's confusion. $1,000 you made 4,000 you spent. 5,776 how did I spend that much what did. I what was the what was the highest one. we went through a lot of spending but. that was your categories are insane you. had a lot of large purchas twitch. spending categories yeah okay so you. definitely overspent the debt you have. collection 0 out of 10 emergency fund we. have nothing I'll give you a 1 out of 10. for just starting retirement you're. about a 2 out of 10 real estate. obviously 0 out of 10 see if you at.

least got to one I don't think so did. you round it up barely barely round it. up cuz you're at a 06 so round it up. Hammer Financial score one out of 10. we'll have you back on the follow-up. Channel go check out the follow-ups of. the followup Channel but we'll head into. the post show for now I know those extra. things like maybe calling your mom and. crazy stuff that we're going to do that. the producers are going to bring in and. dive deep extra things that they know. about you but guys definitely be sure to. check out our entire bundled package of. education programs bundled together at a.

large discount just for you and make. sure you check that out and we'll see. you in the post show you have a Payday. long what is the payday long when I was. in the whole hole like what's the whole. hole when I was still with the. ex-boyfriend and you have the payday. loan I am in collections and they called. me for it they're hunting down the. payday loan you got how much is ow on. this payday loan Caleb I need you to. take a big breath. to watch the financial audit post show. click the join button below hi how you.

doing hey how are you good we got a. lovely little cameraman right here I. know we already got your consent on. everything for all the fun little. lovelies but we made a wild thumbnail as. we kind of talked about in the post show. and stuff and we just we just want to. get your eyes on it and just get you. know that extra little uh little consent. from you for happiness cuz it's a it's a. wild one compared to normal I'm. ready yeah here we go what do you.

think I love it I love it so much oh my. God this is great all right well your. video's going out tomorrow are you. excited I'm so excited I'm so excited. this is great oh my God oh my just. probably don't read the comment section. is always a suggesting because people. are crazy online no I'm going to send it. to one of my mods and he's going to read. it and make sure everything's all good. for like um what we call it doing. purposes but everything else beautiful. yeah okay beautiful see people have a.

fun sense of humor and people can have. fun online you can calm down now.