Wannabe Trans Victim Steals Money From EVERYONE | Financial Audit

this is embarrassing I think I still. ,600 for the another ex-friend oh you're. disgusting I still ow $400 for. transmission I bought like 4 years ago. who kind of former friend 300 bucks to. someone else for another car part. ex-friend again former why aren't you. paying youring. friends hi my name is Casey I am 26. years old I live in Austin Texas and. this is financial audit the life of a.

fing twink let me tell you I swore you. were like 13y why would I have a. 13-year-old on the show all right 26. kill me now I'm just a couple years. older and I look like I'm dying what do. you do for living in 26 in this good. City of Austin I am a robotic teici so. our babysit robots that sounds like. money uh it's not bad what you what are. you making ping about four grand a money. you pulling is that hit your account or. is that what okay not bad so I mean now. across the Year we're looking 48 how do.

you feel so I'm guessing you're around. 60. 65,000 so how you doing how I you doing. buds how you doing here in this Austin. Texas with your $4,000 a month uh I mean. I pay my bills do you yeah it's an. interesting assumption yeah go on. continue cuz I feel like that's. incorrect but sure I mean I I feel like. they're on I pay my bills and I okay it. can you know can afford some things yeah.

but how you doing how you doing here in. Austin how are you living on this. 4,000 I think pretty good I mean I do. have two payday. loans usually not the definition of good. I but again I think the most but I can. pay. them but it's not just about paying them. you wait you know that right it's not. just about paying them it's the fact. that okay usually I don't have finances. this quick I mean we'll we'll we'll get. a have a get to know you section here in. a bit but I just need to call out for. the sake of the audience the cost of the.

interest on your iPhone is $200 more. than the price of the iPhone the amount. of money that you're spending on. interest alone interest alone interest. alone I don't like to go this hard out. of the gate but come on that was stupid. and I need to really make sure you know. that's stupid cuz if you don't we're. starting from a pretty scary place and. we have a long way to go at that point I. didn't have the money at the time for it. and I needed a. phone did you need an iPhone well blue. bubbles nice are they worth $800 of.

Interest oh sorry $927 of Interest well. everyone I work with has an iPhone great. I don't give a so go on come on why. can't you get a cheaper. phone I mean I have only had iPhones my. entire life so I didn't want to switch. you needed a phone though yeah so I'm. guessing you lost the phone I broke a. phone dropped in bathtub yeah okay and. you couldn't go temporarily on a cheap. phone phone now why'd you not have money.

you said you're doing well you said. you're paying your bills doing well. would suggest you'd have a fully footed. emergency phone was your fully footed. emergency phone that would have paid for. an iPhone that would have paid for 10. iPhones it paid for maybe 12 iPhones so. what are you really doing well I don't. really know about that I want to get to. know you more before I jump into all. this I'm sorry I'm sorry this is but. that that's crazy that was a crazy thing. to hit me with out of the gate think. you're doing well and a Payday loan's. okay because I can pay. them working robotics $4,000 coming in. let's go going on here what what do we.

have in your lovely life uh well I. spend half my time working and half my. time off because I work weeks at a time. so really yeah what are you doing on the. weeks off uh I I don't know ride my. bike how many hours a day are you. working on your weeks on uh 12 12 and a. half okay yeah those are extensive days. okay dang no gig work we could pick up. on those those off times right CU if you.

can't afford a new phone when a phone. breaks like you're in a pretty dire. straight cuz I think like the average. American has like $1,000 in savings and. that's horrible but you can get an. iPhone with ,000 to savings I didn't. have a car until like recently okay. there's public transportation in Austin. it's the best in the world not even. close but you can get around it's. inconvenient what I mean well I had a. motorcycle to couple motorcycles but I. can't do door Dash on those or anything. so oh for Gig work gig that okay I was. thinking I mean you look like a little.

nerd I thought we wouldd be having maybe. some online gig work no no me going on I. I guess I didn't really think about. that I was like I thought I was like. okay well I make good money from my job. so I don't need. to do anything else I can just but you. are taking out payday loans are we not. on the same page there that that is BET. do you not understand $759 phone.

but the interest on it was. $927 you pay a total of. $1,682 on a $754 phone are we not. comprehending if you're not making. enough to be able to do that why are you. $4,000 hours I know you can live off of. that in a let's be honest I know for a. fact you could have live off of that and. you could get a phone if you needed to. so where's your money going where do you. think where do you think you are. [Music]. failing uh did you spend all your money. on a 2009 haircut like what's happening.

I have a lot of bills what like what. bills yeah I mean rent's a bill but well. both of my motorcycles are. financed why do we need both when we. have a car now why do we need two. motorcycles well the first one I bought. didn't have a car and I was like okay. there you go I was like okay. Transportation cheap you know wait you. have a car now I do so you can do those. like door running things if you need to. yeah yeah I can okay but why do you need. two m motorcycles.

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and you got the second one are you. wearing both motorcycles at the same. time uh well come on. why they're pretty on different purposes. say come on you're a gear guy you're a. Gearhead you're very much these. motorcycles both cor what about uh do. you have anything I mean if I if I've. looked at retirement I mean let's I. never get to retirement first was a. little. okay $5,000 in Fidelity it's not. horrible.

but you are behind for your age listen. you make about $65,000 a year is what. I'm guessing you should have $65,000 in. your retirement by 30 you have four. years to get there how are you going to. get there being at $5,000 not by having. two motorcycles and interest paying on. those motorcycles and taking out payday. loans for iPhones also taking out a car. loan without getting rid of the. motorcycle before without getting rid of. the motorcycle before that I guess I. could just work more sure you have some. time off but that's not it what about. your behavior that got you there in the.

first place do you need the motorcycles. you made the choices to do that that's. the issue that I am trying to pull. here sorry I feel like this has been out. of the gate a little you know more. intense I like to like to I I know the. conversations get intense but I like to. rev up to it but you really hit me with. that payday loan's okay because I can. pay on it and I need you to know that. that is not how it works yeah yeah yeah. you're you're right yeah where's your. money going you say bills so what. because you have three vehicles.

what else where do you think your. money's going probably food what what. kind what do you mean food what food. well oh. good $726 and going out to eat go your. metabolism is incredibly dick yeah um. well since I work so many hours on my on. weeks I just order food all the time. because it's on your on weeks on my on. weeks but even just dinner ordering food. wouldn't add up to that but we're also. getting almost 5 $1 in groceries I can.

get you on a $300 grocery plan with meal. prepping so you're spending more on. groceries than you need need need need. need to a good portion of the grocery. bill isn't groceries what what is it. what is it possibly uh cigarettes and. alcohol at the grocery store yeah that. Li then yeah what wine and beer. yeah how much of that almost $500 is. going into cigarettes and Al you're. going to kill why do the yourself so. young I don't get it it's okay to have a.

drink I mean the cigarettes this is. objectively horrible for you I don't. think anyone suggests that by any means. like it's a good diet good to help your. diet other than that keep my metabolism. up I guess but well probably because. you're not eating but you don't smell. I'll be honest and most people that. smoke on the show I can tell immediately. we quite intimate be 100% honest I like. honesty please I haven't smoked in six. days okay yeah so why um trying to quit.

trying to quit how long were you smoking. about a decade for f sake you started. smoking at 16 yeah cigarettes not even. Vapes like a cool guy first of all. payroll was less than $4,000 barely but. you were close Okay Okay well it does. vary sometimes how much did you spend. cuz 3,850 a man how much did you. spend uh I feel like I was probably. right at that I mean probably a little. like you nervous you seem nervous. nervous a little bit I'm a little. nervous it's okay um people forget that. is random ass people yes usually did you.

watch the show yes so usually it's from. the audience but people forget that. thank you for coming on the show if you. want to come on the show and you want to. be nervous go to Caleb hammer.com uh. casting I think no SL apply SL apply. we'll have you on the show and we'll. help you not be anxious and then I'll. yell at you and you'll be anxious again. yeah well how much you think you spent. uh what like 38 maybe okay you spent. 3,945 so you spent a th000 uh $100 more. than you brought in where honestly the.

crazy thing is compared to a lot of. people on the show is actually. technically not even close to the worst. but it is still bad ESP when we're. behind what. I'm but behind on retirement we don't. have savings to our name we're taking. out payday. loans payday loans for spending $100. more than we make on month when did you. get this when did you get this phone. almost a year ago what is it iPhone 14. taking out a Payday loaner when you. didn't get the the newest you even get.

the little action button no no I didn't. no no no fancy camera just I'm taking. out of payday when I'm getting a action. button okay I should have brought that. up. yeah self assess where do you think you. are today 0 to 10 zero being the. absolute worst finances that your twink. brain can think of 10 being the absolute. best I actually took the the test the. score the score that you can get for. free Link in the description below I got.

a big fat zero okay I'm not surprised. Min dude let's start adding these up cuz. honestly this is a decently dense stack. of paperwork seem nervous you kind of. got like some like energy like relax. you're good you can pull the mic to you. I don't want you to be freaking out this. is just life or death for your entire. financial. future but where is this at today then. because it couldn't be a year ago it's a. rental it's a rental period of 12 months. but payments are 27 looks like so kind.

of doubling up so I'm confused like. where's the status of this today think I. have a month or two left of it have a. month or two left of this loan what is. your monthly payment and how much is. left on it month or two but they're. buying weekly payments right it takes 68. out of 67 68 of each check of each check. it hits it before the check it the check. on the check yeah before the check hits. it no no the day after the check hits it. takes but it hits your account it do not. it's not Tak it from your check is it oh. yeah my account my account not attach. your payroll no no no no no no okay 67.

what uh 67 every two weeks basically 67. every two weeks and we have a you're. confident in the couple. months I think payoff is December. 6th do you know what a couple months is. $134 balance. unknown can I have any information I can. pull it up. uh but yeah have you do that later.

though yeah okay I don't think there's. much left on it better not. be the tax the lease the own cost this. is crazy again $754 to purchase but it. cost you. 1,820 why would you accept that in your. life do you even know the implications. of the interest that is on here you even. know how much you spent you could have. got two new brand new iPhones throughout. this situation yeah do you understand.

that I'm starting to are you starting to. guy you had the numbers in front of. you I just looked at the the payment I. was like I can afford the payment I need. a. phone that is so classic American you. see the payment you think you can afford. it but the fact is you spend more than. $100 more than you bring in on a monthly. basis anyway so can you even really you. keep stacking this is what Americans do. they stack they stack they stack they. stack they think they can afford it. forever but you.

can't I thought it could at the time I. guess uh now saying that you've made it. have you missed a payment no have you. been laid on a payment no on one of. these at least not in one of those. no okay it's horrendous zero out of 10. are we surprised no because I know going. through here as I have already done. there is another one somewhere in here. oh it's the next one oh look at that how.

generous it is an 18% loan. listen Okay the. PCH okay let me see what was the total. payment hold up what the is this that. might be one of my bikes this is a bike. an 18% bike both motorcycle they're both. 18% what are why what is it do you have. a picture is it here is it here I have. pictures you didn't even drive it here. in the same damn town a nice day 71.

degrees sunny it was colder. okay what is it uh Yamaha R7 okay I. asked that like I knew what that would. meant I I don't know it was only year. ago not even a full goodam wait that my. no this is a Kawasaki no they okay. that's Kawasaki a ninja 400 yeah can't. don't know that whatever smaller sport. bike it's. $5,499 is that how much it costs yeah.

that was sticker price on it that was. the sticker price but it's going to cost. you. $2,448 I didn't you're okay with this. how do you not it's literally you pulled. the statement for us you gave it to us. how do you not know how to look at a. number on a piece of paper I I failed to. ever understand. this I guess I thought I would make the. payments like extra payments oh and did. you uh first few months yes oh you got a. little excited that you can do it and.

that's what worries for me from this. conversation okay you get a little fire. under your butt that's great wonderful. glad you. did and then you up and then you don't. that's not funny it's not cute I didn't. know how APR worked until yesterday that. it like what did you think it was I. thought it just was like okay I pay it. off and I'll pay 18% more. total not. yearly you don't know what the a an APR. meant I didn't know what it stood for I.

thought it was just I thought it was. just like some acronym for. interest so I was like okay it's like 54. oh yeah 18% I'll pay like a grand more. what or something like that how long is. this term 60. months that is a third vehicle of yours. is this the first one you got the second. one that was the first one for so why. listen can you get what is the value of. it today what's it worth today if you.

sold it right now what is it worth. higher mileage probably 3 3 four. grand but what is the current the. current sales price oh. good what is the balance now balance now. is. 5640 I think with a minimum monthly. payment 167 rounded up. 16581 so that that was the one I bought. like I didn't have a car I uhhuh was.

like homeless living with a friends why. would a homeless person be getting a. motorcycle you can't sleep in a. motorcycle right but it was I was like. okay well it's going to be cheaper on. gas and like cheaper payment than a car. yeah but you didn't have aing home roof. comes over our head before a rocket. pocket I Pocket Rocket I had a place to. stay I was staying with someone you just. said you were homeless I was for a. little bit and then I was staying with. someone what is staying with someone. were you a roommate or are you couch. scatching. couch crashing okay so you didn't have a.

place to live you had a roof over your. head for safety temporarily but that's. unsustainable for a long time tell me. about it when was this last June June. 2023 last June 2023 why why were you in. this situation of homelessness my dad. came back into my life that December. crashing on my couch he crashed on your. couch oh yeah why is Dad crashing on. your couch oh cuz he has a cycle of like. uh dipping on tenant or like dipping on. his uh he'll not he'll rent something.

out not pay it and then leave in the. middle of the night do I not have an. eviction charge in. here uhhuh yeah of yours that was. conscious decision yeah this seems. genetic go on I moved in with me from. California me and my roommates and then. he managed to get a job within like a. few weeks making over six figures good. for him okay yeah and then was like hey. you've being homeless somehow but okay. we should all rent a house together. that's d Grand a month why is that feel.

is that not weird yeah well at least. American culture feel weird more there's. there's more to that story that makes it. even more weird cuz uh he was sleeping. with one of my roommates um no yeah okay. your parents are not together I take it. oh that no long long I mean I think we. all could have picked that up yeah guys. just a reminder that our Black Friday. Cyber Monday sale ends at the end of the. day this upcoming Friday so just a. couple days from now the sale will end. where you get 33% off our entire class.

bundle or 20% off everything else and. this even includes merch and reminder as. an addition we've added four new. sections to our master your money. budgeting class so guys make sure you. take advantage of this this is the best. price we've ever had for our bundle. check it out Link in the description. below or go to Caleb hammer.com what do. you mean how'd you even find out how. long were they sleeping together I think. it only was a few weeks but after that. it was very very hostile between them. for reasons I don't fully know broke up. I guess so or I old I think you weren't.

into a relationship and how old your dad. how old was your roommate 45 22. respectively how it even start do you. know so my roommates were brother and. sister and I which one did he have sex. with the brother or sister the sister. the sister okay um and I learned about. it later I bet the brother wasn't very. happy no no he was not and he tried to. get you all again in a house and a leas. together that I found out this. information later you were already in. the leis all together oh yeah you guys. to get a lease with him yes is it not.

weird to get a lease with him with your. friends as well at the time I was like. okay we're going to get this nice house. and Kyle is brand new it's huge and he. was like I'll pay 2,000 of the rent and. you can split the other thousand between. the three of y'all cuz we don't make any. money we were working in pizza places. I'll be honest I honestly don't give a. consenting adults do as long as they're. in good mind and good health but it is. weird and inappropriate for my dad to. have sex with a friend of their child. that part is bad uh yeah yeah that was.

um and uh a relative of their roommate. as well direct sibling or is the. eviction or whatever the I have in here. that's thousands of dollars is that that. place. no then we we'll save that for when that. happens okay so what does this have to. do with what I forgot how we got on this. we moted with him he lost a job all that. stuff um we're trying to make up the. 3,000 rent eventually you know a few. months later evicted um and I didn't.

have a car because I liked did you guys. kick him out or was he evicted with. y'all evicted with us you guys were all. living together even though you knew the. didd DD no we I didn't know this until. almost about like months later like. months months later like by the time we. got evicted I found this out way later. and at the time I didn't have a car I. didn't have any money at all uh oh this. was the homeless I was that's how we got. there yes yes um I borrowed was. borrowing a Jeep like a little twoo Jeep.

from a family friends oh sure and was. living in that for a few weeks almost a. month until that family friend that was. borrowing it to me or loaning it to me. found out and they were like no you're. staying with me how'd you get into. robotics how how how do you how you're. making good money now this is only a. year and a half later what did you do. yeah I was experienced mechanic before. really yeah I've worked on semick why. the are you making no money in that. moment then that seems more like a. personal choice that was a boom and job. mark it was I couldn't pass a drug test.

and I didn't want to the were you doing. cuz I already know you drink and smoke. good congratulations on not smoking for. 6 days it's actually very good good job. shows discipline I like that shows. change I like that it gives me more hope. than usual good good good good good I. like what are we doing mostly uh some. other stuff what. uh what are you do with your what you. why why are you. do look at those assh are huge you can. let so much in you convert the energy. from the powder to making money what.

they do on Wall Street I did do that for. a while I was doing that when I was. working on semi- trucks and stuff. because I was working for small. companies well obviously I don't. actually support that that's well yeah. yeah I don't don't do that stuff anymore. so good good I got the kind of like slap. in the face with the homelessness thing. and so I got what I referred to as. legally sober which meant just drinking. and. smoking and I was with my experience. able to just get a paying job fairly. easily well I'm always happy to offer.

you a certification and something. through course careers I don't think you. need it right now maybe if uh your dad. ever becomes not a piece of and he needs. something I can gift it for free to. someone you know okay course Cru is. great to add to the resume try to make. more money but I think you're good in. this current situation uh but in the. future just let me know I think it would. help a lot for I I would like to get out. I would yeah I'd love to get out get out. I want to get out of the technician side. of it into the the it side of it o there.

is an it one with them it certification. and then with the experience you have. that could actually be pretty darn good. AT&T wait is this oh that's yeah no this. has to be collections it is a. collections. yes for. 18 I was financing a phone to them and. the phone kept. breaking and I every time good thing we. didn't learn from that yeah every time I. broke they wanted me to charge to charge. me $300 for any one did you get the. insurance on it I did did and they still. charge me money it was it was weird what.

was the insurance like like the low plan. it was probably a low plan yeah like. bare minimum. so yeah iend payment started a week ago. did you do it I paid the first payment. yes okay so you're on a payment plan yes. so. AT&T collections we owe 1,000 probably. about 100 now I'm going to say 1,100. minimum monthly payment of. 2653 why you decide to get on a payment. plan so it didn't hit my credit with the.

collections oh is it internal it's. internal yes yeah so very interesting if. I started paying it now they were. contacting me and thank you should this. is actually relatively responsible thank. goodness good job a lot of people just. let it go to collections why wouldn't. you just let it go to collections have. moment I want well I just want to assess. kind of you know where you're at. mentally of your finances why would you. not let it to go to col have some. Collections and I used to be a have. collections I have a couple still some. have paid off some have dropped off so. why not let this go to collections cuz.

I'm trying to keep it from getting worse. and pay those collections good um my. credit is finally not totally in the. crap what what number uh. 623 it used to be 44 two years ago 621. 621 nothing think. corrected my bad okay credit Cara money. the is a Credit Karma money yeah so what. it does is it's like a line of credit. savings thing and so what it does is.

every credit savings every well I can't. touch it every check it puts $40 in. there and then once it hits $500 it. deposited back into my account yeah but. the annual percentage yield earned is. 0.00% it just earns credit or like it. gives me good payment yeah oh it's like. a credit Builder I'd rather use use like. the Fizz card so you can actually spend. money but it's no more than in your. checking account it starts building. those habits so you can become a credit. card person again yeah that's what I. would you be yeah cuz this this one I I. got cuz it was automatic it was like I.

couldn't I could not touch it I mean I. have so $80 contributions $80. withdrawals that you said you couldn't. withdraw did I misunderstand this one of. those accounts is the um spend account. so I have a c like a it deposit balance. of $2 on a spend account isn't that. nervously nervous cuz I don't touch that. account it deposits the $40 for each. thing from my check deposit every time I. get paid and then the day after that it.

deposits that $40 into the credit. Builder thing I don't touch that account. you have so much debt for a 26y old wait. well I I mean it could be worse it could. always be worse what do you of course. what the that does not justify that does. not justify having it it's not about it. being. worse or the ability to be worse it's. better than I it used to be what did it. used to be then possibly because again. I've seen another 18% loan here you're.

taking out we're about to be on the. fourth loan of you barely through your. 20s what the good thing is is I no. longer can have credit cards so so it's. not even you Chang your behavior it's. literally the fact that you do not have. access to the ability to borrow. unlimited money. cards it helps out yes it's a forced. mechanism but what about youring. behavior and maturity how about that it. could be worse it could be worse but. only by the limitations of the system is.

why it's not worse so why would we be. proud about it could be worse because it. couldn't be worse from your own actions. it couldn't you're not allowed to be. because you can't qualify for anything. probably your de to income ratio is. probably consider when how long have you. had this job currently about a year okay. so I don't know if they fully calculated. into your Deb income ratio have you file. taxes I don't even know no I haven't. filed taxes since 2020. did you even know this uh-huh oh they.

did know they just didn't let me know. what the. possible why why why why just why it's. just I feel like you're collecting the. the just like stupid Infinity Stones of. dumb up in so 2020 I you know filed and. I got a return 2021 I was going to have. to pay money and uh I didn't have the. money. and so I how much like 300.

bucks go on you know the next year comes. around and it was a little more like 4. 500 oh for sake you're ruining your life. on $750 so far what the are you talking. about go on this year um I actually. would have you've made money this year I. would have gotten a return or not mean. this year not this year uh 2023 sorry. not this year this year oh good death. okay yep 2023 um I would have gotten a.

return a small one uh but they ask for a. pin from your last year's taxes so you. can file this year's now and I didn't. have the pin so I couldn't file it so I. have to do like buy mail and figure that. out with penalties and everything you. probably only owe $1,000 why not just. take getting get this taken care of. before they come after your fing wages. and garnish you enter you with penalties. and interest why do this to yourself why. put yourself in such a risky position at. such a young age for no reason I really.

don't understand I think I just been. pushing it out of my mind cuz it's I it. just stressed me out so I was like okay. let's just not think about this every. time people say that though this is like. I I guess we just live our lives in a. different way my dude it's just like. putting off putting off putting off. because I don't have to think about it. but it just becomes worse and then you. are forced to think about it and then. it's worse than it ever was if you just. thought about it before four why do that. delay why not rip the Band-Aid off.

instead of letting it become infected. I'm so confused why you would do this. yeah I I think it's a a just like okay. well I don't have to deal with that. future Casey can deal with that so. that's future Casey's problem but then. it got to the point it's like okay well. now future Casey's having to deal with. it so uhuh for all my students remote. workers anyone out there stuck at a desk. all day I feel your pain running this. channel means I spent a lot of money. time at the desk at one point my posture.

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what about this next year's taxes you're. probably going to. owe well I don't know I mean it sounds. like you don't really have your. deductions all correct I put a voluntary. deduction in there what 40 bucks every. check extra or 40 40 bucks extra oh it's. W2 so there's there's you can set up how. much is essentially being set aside. what does yours look like what have you. done that's the only thing I've done is.

$40 hold on but you didn't set yourself. up in. an are you you hold on well a ton of. taxes come out of my my check I I am. more than 40 oh yeah way more than 40. hold on hold on hold on hold on hold on. yeah but possibly possibly like Social. Security and stuff like that Social. Security is taking out yeah yeah what. about income tax income tax. is year the date I when I looked at my.

last check it was I paid like six or. seven Grand okay yeah oh no my my taxes. are high oh yeah okay you might you. might not owe but pay this ,000 dude. that you're probably going to owe just. why not at this point can you give me a. why not at this. point it seems like a it's just been an. overwhelming process it's $1,000 which. is not insignificant but for you you. could do it that's almost how much you. spent going out to eat in a month right.

yeah yeah I yes. yeah I just have to figure out how to go. about doing that I guess CPA anyone. Credit Karma I don't care okay. yeah I've only yeah I've only used turbo. attack so all right yeah then do that. well the turbo attacks won't message. them call them yeah cuz I like what the. is this what is this installment loan. $1,177 is the balance at A1 18% %. interest rate flat that's a personal.

loan I was using to try and get caught. up on my rent of my previous apartment. your rent of your previous apartment. when was this when did you take this out. uh $140 minimum payment July of last. year of this year this year what wait to. try to catch up in your last apartment. when did you get into your current. apartment uh I'm in a house but what's. your current rate my current rent uhuh. uh 540 one of your parents roommate no. no okay no no parents are in the state. far as you know okay well.

um why catch up with your last apartment. what do you mean were were they hounding. you for what for Why Pay running late in. payments um was it it was base rate was. 1350 and remind me how long you've been. in your current job over a year you. could have paid it what are you talking. about yeah could have sold a. cycle um yeah the thought it was like. okay well I'm getting behind on this I'm. having to pay like now.

1,600 plus a month because the late fees. so I was like okay well if I get a loan. the extra $100 is less than an extra. $300 you're trying to finesse man you. can't finesse you don't know how to. finesse you're not a. finesser I I definitely. tried yes all I care about is you not. doing it. again because you continue down this.

path and you are going to be you're. again again you are behind on retirement. now sometimes there takes a bit of catch. up in the 20s because you could start. late depending on what school looks like. that's okay but as long as we're hitting. one times our annual income in. retirement it's kind of that minimum. goal we shoot for and it starts the. compound from there so you're setting. yourself up for Success you know you can. do that in a variety ways and you're. 401k and a just broke Ridge like Mumu. that I use you could do it anywhere do. you have a Roth IRA as well good there. not like anything in it I it should be. like 20 bucks a month all I'm saying is.

you continue down this path you're never. going to be able to retire I know. retirement seems so far off but it's. really important to start compounding. now because this is the time where you. set yourself up not in your 40s not in. your 50s it's now it's your late 20s and. your 30s but you're around with 18%. loans and you are not getting that kind. of return on an annual basis. averaged. okay OK death is one of these again oh. this that has to be the other bike yeah.

bike bike two bike numero two. Yamaha yeah that's the R7 blue that one. I bought brand new proud of you how much. is OD on it currently. 7,399 I on it currently uh. 9400. the what was the purchase price is at 12. it's a it's a it's a 18% what was the. purchase price well oh the purchase. price was 77 ,9 7,399 but you're saying. it's at 9100 95 I think oh for S I did a.

really low down payment but I also what. did you put. down UH 60 month oh this is the second. bike that's right so when did you get. this I got it around the time okay this. also also a story oh let's hear it was. with my ex at the time and okay the. relationship was not going well and. whose dad was the ex.

Revenge story I don't know not that uh. and this isn't Alabama so it wasn't mine. sister no no no no no actual you throw. Alabama in there I don't know go ahead. go on go go go non non-related go go go. uh living with her at the time um I I. actually didn't want to get that. apartment what does this bike have to do. with okay I didn't want to get the. apartment I was paying for everything uh. because she wanted to get the apartment. with me I wanted to get roommate so I. didn't pay as much um and I don't know. the relationship was kind of getting.

Rocky and instead of you know. communicating we both retaliated so what. communicating what even literally. anything how are you that bad at. relationships I'm saying that is the. most single mother in the history of. existence how are you that bad at. relationships I can. communicate I don't like you. relationship I don't that that's rude. that relationship was entirely uh. physical put that way. it should together it should not have. been a relationship yeah well it was we.

got together and thought it was like oh. yeah we're in love but no it was just um. what's a retaliate she started her boss. and well hold on why were you guys in a. relationship yeah she started why is. everyone figures that are considered. inappropriate in your life oh good who. were you. I wasn't well you didn't Revenge what I.

was doing is I used her credit card for. the down payment of this yes of the bike. when was this that was Rel that was. relationship ending um what was this. that was relationship ending not her. taking the boss oh that was at the same. time like within her boss what was her. job even uh she's a chef she was the. restaurant owner I think her manager oh. go why am I not working in restaurants. sorry too hard right now restaurants we. usually save that kind of degeneracy for. the Post.

show if you guys just want that bullsh. wild stuff and whatever we're going to. do check out the post show that's where. the more fun is like I'm going to keep. it tame here and mature okay so how much. did you use to get on her card when was. this you did not answer oh uh end of. April this year yes dude this is so. recent I didn't that's a bad breakup in. Alabama then you had to figure out where. to go oh no that was here the Alabama. thing was was an joke. you brought the dad thing oh yeah but.

yeah 253 down minimum through payment by. the way 18% interest rate 9,500 o on a. bike that cost 7,000 which is probably. worth what three go ahead what I knew I. couldn't what I knew I couldn't afford. it so that's why I used her card yeah. the down payment but what about the. minimum the payment I'm sorry I keep. getting lost in the T how much did you. spend from her. card like 16 whatever that down payment. was I don't I don't see oh it's not on. there 1620 1620 very nice or whatever. okay so you committed credit card fraud.

no I was an authorized. user what so that affects your credit. though you dumb little tit I paid paid. her back a couple days later through. little guilt little guilt and uh sense. of little maturity yeah well what I did. was um you're a little degenerate aren't. you sort of sold ish my Kawasaki to my. brother for a year for a year what do.

you mean for a did you buy it back from. him he still has it right now so was he. renting it from you more or less uh he. basically paid me back for the down. payment and I was like you can keep it. for a year and I'll pay the payments and. if you want to take over the did that. mathematically even make sense how much. was the down payment that he paid you. for oh this yeah uh but your but your. payment on that other thing is 1,400 so. it's that's not equaling that so really. you're losing interest to him as. well yeah but it paid her.

back that way it have Deb for debt for. debt that is your life didn't to deal. with her had to deal with leave her and. then you wouldn't have had to anyway not. that you should have you should have. paid it back yeah that that yeah no is. that the eviction is that the apartment. that you're paying for uh that is how. many apartments have you been to since. that is the the apartment um I was. there mostly by myself for huh was there. mostly by myself for until a month and a.

half two months ago and then just kind. of left listen it doesn't teach you. about relationships but go through our. budgeting class you get it for free go. through our investing class you get it. for free since you have an investing. account actually use it go through the. quizzes go through our debt class so you. can understand implications and. negotiation all that go through it that. has to be like 10 hours of class workk. for you to do plus quizzes and. everything go through it literally. 10,000 people have done it go through it. you get for free if you don't take it by. the time you come on for a followup I'm. going to be so pissed it's discounted.

right now for these people 15% off which. is great for them good job but you get. it for free so do it okay I'm ready move. out charges so is that this apartment. yes okay am I looking at here water. allocation gas allocation drainage Pest. Control trash final gas gas admin final. water what the like basically like. repeats. $3,439 15. yeah it's basically wait but you said. you took out the personal loan for this.

right took catch up and then I didn't. catch up where' the personal loan go to. ended up not catching me up no where' it. go to um if it if not to. this. probably eating. out I I I honestly have no idea what was. it 12% to go out to e or 18% I don't. even remember 18% probably all your. interest rates are 18%. to go out to eat at least it's. consistent that's not.

funny that's not funny yeah shake your. little jaw that's not funny quiver in. fear that's stupid 18% would keep me up. at night that's dumb yeah so you still. owe this yeah you got a payment plan. with them what's going on I'm on a. payment plan now you ready okay okay. okay what it's a 12 Monon I paid the. first payment the minimum is 2.95 is. there interest on that no no interest. so you got. about uh they said if I do that then it.

won't 3,250 left then probably yeah they. said if I do that it won't you know. Screw my credit and yeah cuz they would. send it to collections and yeah which. you love doing okay all right let's be. real for a second dealing with car. insurance is absolute death one minute. you think you're getting a decent rate. and the next you're hit with some random. $50 fee don't even get me started on. trying to compare different companies. it's like trying to find a needle in a. pile of tequ you're probably getting. ripped off without even knowing it but.

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and find a better deal to watch the. savings roll in so if you're tired of. throwing dumb Dum money at overpriced. insurance check out money.com at the. link in the description below and you. can start saving now stop paying more. than you need to your wallet will thank. you later this is a paid endorsement. sponsored by money.com which is. compensated by its marketing Partners. federal student you went to college uh. yeah yeah yeah yeah for a little bit. dropped out that type of thing no degree. no Associates no 3. this is when I was. like 18 19 3.5% yep yep yep yep 2.5%.

okay i' been a monthly payments until. these are paid off 57 18 c minimum. payment this this isn't that crazy just. like I think 40% of people that go to. college and borrow debt you didn't get a. degree you're not crazy for that you're. lucky though $. 5,855 $518 because I think the median. person or average person that borrows. for college borrows $40,000 I just went. to ACC so Austin Community College. yeah it is cheap I'm actually surprised. you borrow that much for limited school.

at ACC I have made a monthly payment. until it just pays off cuz the interest. rate is really low you're getting by 18%. ones okay okay uh what do I have here oh. collections okay yeah sure collections. one 426 what are you doing with this how. long has this been on here what is it. for I think that one is the rental. musical instruments I think I had a. rental saxophone for a while and you. didn't pay your rental saxophone yeah.

and had you look like every saxophone. player in high school that would get. bullied looked exactly like you I was. the section leader oh yeah you were. typically I was a trombone player that's. why I'm fat yeah so I was yeah you. didn't get bullied did you what you. didn't get bullied oh no good good good. good cuz then I'd feel bad about that. joke that was just that was just joking. with you but I I'm hope he didn't good. okay. good what but what hold on but why were. you renting in college that was later. that was like 2019 cuz I was like I kind.

of want to a tener why didn't you pay. for it uh I moved back to Texas with it. and then forgot about it but what about. the payment why weren't you on automatic. payment uh CU I didn't know if I'd have. the money in my account every time so. I'd take then why take it. out have we learned a. lesson yeah you know the answer to those. questions so yes you've please please. have learned a lesson okay great more. collections how much collections do you. have collection number two just those.

two good. $966 that one's a medical bill I got. crushed by a forklift you got crusty. Crush by a forklift. oh okay what is my hearing right now I. promise my armpits aren't crusty I don't. want to. confirm um crushed by a forklift yeah my. stomach got what situation probably an. Ocea violation but uh it was a small sh. welding shop I was working at yeah no I. got crushed in between the Mast and like.

the roof of the fork Clift cuz I was any. payment plans for either of these no we. could just pay them off they are not. insignificant amounts but you have the. financial ability to pay off you could. have paid off that one in a month and a. half if you weren't going out to eat you. could pay off the first one in less than. a month if you didn't go out to eat yeah. basic adult 26 not 12 no matter how you. look is that all the debt there's. personal debt more personal loans or. personal people to people to who to who. possibly why uh VAR wait you're multiple.

people like five oh for oh for why over. the well all right number one who's the. two uh oh person number one I still owe. $400 for a transmission I bought like. four years ago who uh a now kind of. former friend in ten p i was I intend to. what do you mean was and intend to why I. paid half of it off off it was $800 and. then I stopped why' you stop and why are.

they a former friend uh well I mean cuz. they're mad at me for the debt but they. lent it to you they're mad that you. didn't pay it cuz you're an. irresponsible prick who's being selfish. about the money that you borrowed yeah. uh-huh yeah reasonable I'd be upset too. that's not what a friend does a friend. can lend in fact I would prefer a friend. gift I would have gifted but either way. of course you don't pay me back that's. some trust violation takosha violation. you violation his trust okay. um okay I'm not surprised and it was for.

a transmission yeah for the wa you said. you have a car debt I don't have a car. debt is that one I don't have a car debt. your car is cash I got it for free what. is it 06 Civic it was my brother's oh. how's it doing it needed a lot of work. but I'm a mechanic so yeah yeah yeah. still cost money to Parts I put I pay. about 500 bucks in Parts 4 days of work. now it's fine sure sure sure sure sure. how many miles 197 how's condition. beater uh how long you think she's going. to last hopefully a year or two okay.

okay I hope so cuz I don't know what you. do I really don't without pulling on a. retirement but I wouldn't want to do. that or taking out a predatory I for for. work I have a I have a company truck but. you shouldn't be driving that for. personal I can't use it for personal use. yeah I. can't um people never do but yeah don't. no I'm strict about it I I not want to. lose job that's good that's responsible. it's weird you have a very mix of. responsible ideas and ideals and then. you have the most irresponsible things. I've ever seen in my life and the most. stupid things very confusing person. that's.

okay a number two 300 bucks to someone. else for another car part I forget the. what car are these both this car no that. was a Mercedes okay so is this a friend. yeah ex-friend again former for why cuz. of the dead again yeah why aren't you. paying youring. friends huh I just I intended I keep. never lend this money not. reliable yeah I probably don't let me.

money um no don't third. is uh I owe like $600 to another person. that like let me finance an old Audi. from him oh wait how much 600 bucks ohay. it was like originally like is this an. ex-friend another ex-friend I literally. think I have one ex-friend in my life. and it was from sixth grade being petty. little sixth graders I've never had. ex-friend in my life in like actual. adult Ood how are you this much of a. middle school child this is.

embarrassing what a joke okay number. three no four sorry what else is there. there's. the six I think I still have 1600 for. the BMW that I what it's all car stuff. to who another ex-friend oh you're. disgusting you know this is just like. everything just screams immaturity. literal child behavior in this it really. does It's All Connect acting do you not. realize that are you embarrassed by this. I would be embarrassed and I don't want.

people to feel shame or embarrassment. but you should feel embarrassed and. hopefully change that action to feel. better and more mature in life okay what. about number five uh the last one is to. current friend actually for now. 2850 this one was when like X's go. through bosses yeah this one was when I. moved back to Texas and I how much is it. again 2 50 for what uh he lent me money. when I moved back to Texas have you ever.

not borrowed anything for anything. you've ever done is anything you've ever. done not been debt I don't think so I. don't think so you're the Deb King. you're the king of the. debt yeah I grew up with it my mom had. me paying like going in and paying her. like uh pawn shop fees monthly fees when. I was like 16 did you see that that was. bad it was normalized to me at the time. okay yeah payday loans Loans pawn shs. yeah and you you did not take away.

through this late teens early 20s that. that was bad it was normalized to you it. got really normalized yeah wow okay yeah. this this is the first time I've seen it. this for what you got to break that. psycle man yeah and unfortunately here's. the reality of just the world we live in. like I don't like the bull around I. don't want to do that I wish I wish I. wish stuff because you don't walk away. with any benefit from the I wish you. know so we reor this only you can change. that cycle only you have the control. over your numbers here and I hope you do. cuz that sucks but if you ever have kids.

you do not want to continue that cycle. to them that's not fair and you'd be. irresponsible espe since you know it now. when you have a wakeup call yeah yeah I. don't want kids because of the way I. grew up well talk to a therapist about. that but yeah well yeah no no no don't. worry I'm seeing one 4p in a checking. account oh. my oh this is spending like crazy we. haven't had spending so far we just had. insane debts by the way 1 two 3 four. five six 7 8 9 10 11 12 13 14 that'ss.

wonderful good job Starbucks well we. have 18% debt MOD Pizza a subscription. torches door dashing we're really doing. door Dash come on dude you just got a. car congratulations use it come on. you're door dashing what the McDonald's. Amazon Taco Bell waterb McDonald's Zack. bees Amtrak Amplified applied applied oh. that's the vending at oh it's air mark. Apple Bill some kind of subscription you. got in there you probably got your. grinder popping off McDonald's.

Gams Aram I keep saying hmark I keep. thinking it's Amtrak for some reason. okay vening that's a vening machine. $7.99 in a vening machine well it's it's. not the it's not a v it's like um the. break room for. food stop pck a sandwich I think you. have a kitchen yeah beautiful do it okay. Amazon oh the meal place the meal Place. Amazon Kindle Kindle meal meal vening.

out. $540 that's rent better be yeah Taco. Bell not going to be able to bottom. after. that was a joke making lots of. assumptions that are probably. inappropriate and rude to make but you. know you're good apple I'm. sorry Apple Bill Taco Bell. uh getting a meal Amazon Amazon men.

menes you mention on some men I have no. we did it again I can't stop myself I'm. addicted Kobe Steakhouse Apple Bill some. what are you getting in apps napps Apple. Bill Apple Bill what are you doing uh. probably what dual lingo I think there's. a VPN in there stuff like that door Dash. You're door dashing 40 bucks come on we. have 18% debt but we're door dashing. Amon Amazon Fredo. Fredo summer Moon and I love the moon.

milk but you can't afford this to save. your life more door Dash. $35 Microsoft Microsoft hu Amazon apple. aark and I should probably look at the. Amazon spending I because there's. more Amazon and Taco Bell and Netflix. jeez Amazon Amazon Amazon there's the. getting food gamer sus I've heard of. that isn't that Mo critical yeah a few. them I I learned it from schlat shat J.

schlat another twitch streamer YouTuber. person um sound like a word I was. confused plume heel that's $99 what is. plume heel no no that that's my um my. heal um it's a health thing for hormones. your hormon hormones messed up it's. hormone therapy what I take um estrogen. oh are you are you trans are you. transitioning yeah to female in the. middle. I used to be fully trans I'm confused. I'm sorry I'm not as informed on this.

this is costing you $99 what do you mean. you wait you oh wait have you gone from. female to male no no no no no I'm sorry. I'm confused. I went to full hormone therapy for like. years starting like. 2019 and was going to transition to. Fem um and. then uh various life. situations I I don't know felt pressured. and insecure and ended up stopping it.

for over a year okay and completely. just especially with very blue collar. work I kind of just like introduced. myself as not that uhhuh and uh went. with that and then I kind of got back. onto it recently so you're trying to do. it again yes what do you identify as. I've been calling you dude uh. non-binary are you so you're trying to. get to uh woman no no no I'm just this.

I'm sorry it's not my experties I'm not. Uber informed I try to stay up to date. but you're you're good um it's costing. you 100 bucks a month yeah with. insurance or it's not insurable it's. it's uninsurable yeah well I'm some. insance right but maybe not your. insurance not my insurance some. insurance take it it's very anything. very hard to Ure stuff like that. especially in South uh okay so how long. are we doing that for that's permanent.

oh it's for the rest of your life yeah. what does it do what does it do that. covers like um my appointments and. medical and prescriptions and stuff like. that and it's the the actual like. physical like hormone that's why I look. like I'm 12 really I can deage if I take. hormones hormones yeah but you're I can. look young you I already have tits so I. yeah yeah you'll have other changes but. yeah. that's that's why I look like a twink. guys we've cured aging yeah just become.

a woman and you won't age again we. already went over this 5,600 in this. retirement account of some kind uh yeah. 41k through my through my work I'm. surprised that it's down oh it's only. down for a month wait this period okay. what is the period because everything's. kind of up for everyone so I'm a little. curious that you're down so just. for uh oh it looks like just for the. month of October maybe it start ended. slightly down for October okay uh and. then $33 in this Roth so oh wait 242.

whatever acorns okay that's pretty much. nothing yeah but the retirement that's a. relatively decent start what are you. contributing like a monthly basis what. uh 7% is that your match no my match is. abysmal what's your match my B my match. is 30% of the first 5% only take that. then only take that no more okay no more. because again if you're getting 10%. return average up years down years. combined S&P 500 to say for example. you're paying 18% in interest on all. these debts there's no point okay so.

let's do the mathematical thing you're. getting a 30% of return on a dollar that. you're putting in for the first you know. few dollars which is great so take that. so drop it down to my match and only you. that okay okay it's a wild one my friend. Wild One wild stories wild information. wild life um I'm going to sit you down. with a free financial advisor domain. money you know all throughout this. conversation I love setting up my gu. with connections um everyone in the. audience also gets free sessions their. first free session with a real financial.

advisor that I personally use actually. okay like she's pretty cool but you know. we'll do you know we'll get you your. free session okay s do that talk to them. about all this and how it all fits in. what we're going to do is make like what. um a budget should look like for you and. after you go through the programs that. actually put in the work you're going to. get your full detailed budget because. there's always more in life than can be. found in an hour and a half but we're. going to figure out what we relatively. have $4,000 sit your account account. okay what is your rent. 540 what utilities I say you sent 100.

100 no matter what it varies I would say. 150 just to be safe is that including. internet gas electric yeah gas electric. internet split between four people so. you have rent Insurance yes 20 bucks. good a month cool gas vroom vroom drive. drive uh not much I'd say let's put a. $100 $10000 a month just to be safe car. insurance uh cars and. motorcycles 385 what I would honestly do. is sell both bikes use the money from.

both to pay off one of them and then. let's just try to kill the other one be. a man do so how do I sell sorry how do I. sell something that's underwater like. that we can borrow the difference can. pay off can I borrow the can you 640. death income is probably bad we can make. progress on a couple of these things and. that'll help yeah cuz maybe if I could. save up the difference well we'll find. out we're going to go through it what. about 385 oh for all Insurance what. about phone bill. 240 what uh are you calculating that as.

your payday phone loan no that's. separate then what is this uh also iPad. with service and Apple watch sell sell. sell let me see I ow oh cool sell sell. 240 is insane buddy if you didn't owe on. this could get you over to helium for 15. bucks a month and you don't need better. than that team towers and Austin you're. fine are you kidding me this this is. insane yeah 240 that's insane I do have.

to use the iPad at work and it has to. have service on it like a need to you. have to buy your own work equipment and. you're not a contractor no um then what. I just have a lot of I have a lot of. downtime you don't need it you mean you. just have it For Your Entertainment use. your phone you already have okay sell it. please sell it please I still sell it. please like it's pay yeah you're gonna. try to You're Gonna okay through who's. it through Verizon talk to them see if. you can return it and take it off of the.

overall balance then we're going to pay. off the rest as quick as we can I'll put. it 240 for now but you need to do that. that's it's a ridiculous payment are you. kidding me that's stupid half your rent. groceries $300 it's all you need to. survive follow Mir plan in our budgeting. program to to your needs $100 for TP. fund 150 if you continue that medication. I guess ah that was 200 that was 100 ah. 100 for TP fun I'll put 100 for medical. anything else on the medical side. therapy uh 70 bucks a month that's not. bad yeah $35 coopay twice a month so how.

much what else healthwise I think that's. it pets no good thank no subscriptions. we're canceling them all they're stupid. you're done we got your debt Bud you've. ended up in such a bad position for your. age what actually changes after this. conversation to you what actually. changes I might be able to oh you might. oh. my come on what that's stupid don't do. that come on what what I can see. actually how bad it is I I didn't think. about it until now and what do you mean.

I don't know I pushed it to the back of. my mind because all of it every single. little thing yeah every time you took on. a new debt as well because debt was so. like generational dead is such a big. thing in my life I I never even thought. about it until I get it but you've also. self-confessed that you've tried to. borrow more money and you haven't been. able to so why was that not a oh I can't. borrow any money anymore cuz I'm so. I guess I thought it I'd just pay it off. and then borrow later but you haven't.

been so what are you talking about okay. what's actually going to change I'm that. left me with very little. confidence your debt payments by the way. $1,311. 121 okay most expensive category by far. go ahead continue what else what's. actually going to change come on. I'm gonna. listen because obviously I don't know.

please take the classes please take the. classes I will take the classes yes yeah. that consider it done then when you come. come onto the financial audit follow-up. Channel I better see real prast let's. talk about Milestones where I want to. see you you have an extra. $683 79 on a monthly basis because in. order to survive you need. $3,316 21 yeah have $4,000 ah hits your. account okay cuz extra can go towards. huh paying off debts quicker yeah not. collections we let it.

sit you have a minimum Mony payment to. your friend that's a current friend not. right now I actually live with him great. so for the debt that's sitting there. what 26368 that's caring interest and. there is bad debt isn't collections. isn't owed to a friend but the money you. have left over we're going to call it. 650 to be more conservative still takes. 40 months to pay all that off that takes. about 3 years and a quarter. that's too much to only pay off half. your debt in terms of how many. categories exist not total number what I.

need you to do is you need to start. grinding on your days off I need to see. an extra minimum $500 comes in. preferably extra $1,000 come in net you. need to speed this up extra $500 you. should be able to get that down to about. a year and a half to two years probably. closer to two years uh bring in an extra. thousand I think we can get that closer. to a year and a half year and a quarter. and that is easily doable easily yeah. everything's easier said than done but. three and half years we're starting to. struggle there because then we still. have to talk about collections we still. have to talk about your friends that you.

owe that you should morally pay then at. that point we're still one we're one. year from needing to have about 65 in. retirement so it's like you got to speed. this up you up by making a lot of bad. decisions and putting it off you've put. it off now we are where we are you have. to play some catchup you play some. catchup by eating some for a while. that's okay eat some for a couple years. if you eat for two years bringing extra. th000 a month net by grinding on your. weeks off which is every other week you. can pay off your friends and Collections. and all those other loans which are.

stupid the loans you could pay them all. off I bet in 2 years and a quarter all. of that then get a fully F emergency. fund let's call it 2 years and 34 you. have a six-month emergency fund so you. never get you can get a phone you can. get a car you can get whatever you need. when an emergency happens no more. medical you know collections that stuff. doesn't happen no more apartment debt. that stuff doesn't happen because you. have a fully mergency fund because you. actually put sacrifices in so it's. making sense. yes yeah so gosh really there's no. milestone in terms of a followup plan.

cuz followup I usually like to have. people on like 3 to 6 months so 3 to 6. months you know I want to see a couple. of the debts gone maybe the AT&T. personal loan I want to see that okay. okay I can do that that's the start then. you come on and we assess progress. assess spending assess. debt okay that's where you'll be use the. resources we connected with you with you. spend over your budget zero out of 10. debt you have collection 0 out of 10.

emergency fund you don't have anything. in savings 0 out of 10 retirement you do. have something you're definitely behind. to get to your goal but three out of 10. there real estate 0 out of 10 so it has. to. be Hammer Financial score round it up. barely made it Hammer Financial score. round it up one out of 10 guys make sure. to join us in the post show it's an. extra 20 minutes and that's where we get. a little little more delinquent that's. where things are you know there's extra. stuff that I don't know about that they. know that didn't organically come up and. we're going to talk about it with the. producers and also there's extra.

Financial Audits and tens of thousands. of hours of extra content if you join. Hammer Elites and it helps support this. channel I'll see you guys in the post. show you were going to allow your. financial situation to get worse yes. yeah well I've lost alling hope do you. know how bad your brother's finances are. absolutely owes an ex-friend $1,600 and. owes his current friend and roommate 20. 850 $3,000 owed to a past apartment that. he was kicked out after your dad someone.

that was 22 I don't actually know that. much to watch the financial audit post. show click the join button below.