I've Never Hated A More Vile Piece of Trash | Financial Audit

Summary

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Financial Audit Podcast – Episode Summary

Podcast: Financial Audit
Host: Caleb Hammer
Guest: Eric, 29, from Houston, Texas
Episode Title: I've Never Hated A More Vile Piece of Trash | Financial Audit
Date: September 5, 2025

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Episode Overview

In this intense and candid episode, host Caleb Hammer sits down with Eric, a 29-year-old Houstonian and military veteran, currently stuck in a dire financial and personal situation. Caleb scrutinizes Eric's chaotic finances, offers unfiltered commentary, and delves into larger issues of self-discipline, family dynamics, mental health, and marital trouble. The episode is marked by tough love, biting humor, and brutal honesty, as Caleb tries to shake Eric into facing his harsh realities and the consequences of his actions.

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Key Discussion Points & Insights

1. Eric’s Employment & Income Situation

• Current Jobs: Part-time at CVS; previously did gig work (Uber, DoorDash, Lyft); recently accepted a forthcoming IT job at Discover Financial starting in September (“$65-66K/year” - 10:34).
• Military Disability: Receives ~$4,100/month in benefits (05:00, 07:13).
• Other Income: Part-time CVS job pays ~$1,200/month; previously built computers for side cash ($800 profit in three months - 03:28).
• Application Patterns: Eric has sent over 400 IT job applications but found little success; only applies outside IT sparingly (~30 jobs in three months - 04:35).

Caleb: “I'd like you to pay bills and part-time CVS likely doesn't do that.”

Eric: “Not even close.” (02:21)

2. Current Financial State

• Monthly Cash Flow: Brings in ~$5,000 (includes benefits), spends ~$7,000 (“Expenses are about $7,000. Somehow I’ve never missed a payment.” - 05:26)
• Debt: Over $138,000 in bad debt, spread across credit cards, car loan, personal loans, and mortgage (14:22).
• Bankruptcy/Consolidation: Eric has not filed for bankruptcy but recently consolidated debt, which he then re-accumulated (“If you go through bankruptcy and didn’t change your behavior, I will be seeing you on the show in an identical situation in a year or two.” - 87:03).
• Delinquency: Brags about never missing payments, but reality shows multiple late fees, overdue balances, and going over credit limits.
• Financial Overview: Caleb grades Eric's finances as a "1.5 out of 10," only granting points for owning a home with a low mortgage rate (90:00).

3. Key Spending Issues

• Credit Card Abuse: Regularly runs up balances across numerous cards, often continuing to spend more than making payments (“Three to four missed payments in five months. What? Does that not feel disgusting? I feel disgusted. I feel it in me.” - 51:52).
• Enabling Family: Bought $4,200 of new iPhones for siblings, agreed to pay half, has not been reimbursed (27:15).
• Friends & Family Bailouts: Buys food for friends, covers a prom car rental for his brother’s friend, puts family wants before his own needs (74:23, 77:07).
• Luxuries & Excuses: Spends on convenience meals (“Good to go” meal service), subscriptions, video games, Apple products, even a $500 Husky puppy, all while deep in debt (36:06; 36:13).
• Poor Prioritization: Fails to recertify for gig work (lost Lyft income), ignores simple reminders like setting autopay or alerts, admits to laziness (22:18, 29:03).

Caleb: “You are a pushover in this world. The ex has pushed you over. They're pushing you over. Your new boss is pushing you over. The military probably pushed you over.”

Eric: “Wasn’t always like that…It became like that over the last six years.” (31:13)

4. Personal Life and Divorce

• Marital Status: In the midst of a drawn-out, emotionally charged divorce from his wife of two years (filed December; living apart over a year), with disputes over joint property (11:02, 13:57).
• Marriage Background: Married in 2020; wife is five years older, Indian, and previously divorced (18:31).
• Divorce Dynamics: Wife has been indecisive, at times wanting to reconcile (“She accuses me of cheating, but there’s no gender infidelity.” - 12:18), but also retains legal counsel; Eric attempted to represent himself to save money.
• Impact on Finances: Divorce has added costs ($3,000+ in lawyer fees), but is not the main source of financial ruin (14:42).

5. Mental Health & Self-Reflection

• Coping Mechanisms: Confesses to using spending as emotional coping and admits to a general sense of numbness and resignation (“There are points in your life when you get so far down the hole that it just doesn’t even phase you anymore.” - 53:19).
• Therapy: Is in therapy but considers his therapist a “yes-man” and is advised to find a new provider (45:13).
• Lack of Discipline/Self-Respect: Caleb repeatedly presses Eric about his passive, avoidant behaviors and lack of self-reflection (“Where's any integrity in your life? Any kind of self respect? I need you to start having it.” - 00:00, 44:49, 42:20).

6. Housing & Assets

• Home Ownership: Owns a mortgaged house worth $320k, owes $304k, little to no equity after closing costs (85:03).
• Car: Tesla Model 3, bought new before prices dropped; owes far more than it’s worth due to accidents and depreciation, often late on payments (19:44, 21:05).

Caleb: “You shouldn’t have gotten a Tesla. You specifically. I like my Tesla. It’s a good car. It fits my lifestyle. It does not fit yours.” (50:25)

7. Future Prospects & Caleb’s Advice

• Income Increase: Urged to immediately take multiple part-time jobs to survive until new IT role starts.
• Bankruptcy: Strong recommendation to consider bankruptcy, but only after proving ability to budget for 3–6 months (“You need to prove to yourself that you’re able to live within a budget…bankruptcy might be a play here.” - 87:03).
• Roommates: Should get roommates to make the mortgage manageable.
• General: Stop enabling family and friends, cut luxury and convenience spending, prioritize replacing maladaptive coping with self-care and discipline.

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Notable Quotes & Memorable Moments

• On Excuses for Poor Financial Choices:

  “You’re squeezing 1% juice. So I don’t give a God.” — Caleb (03:06)

• On Lack of Self-Reflection:

  “No self reflection in your life whatsoever.” — Caleb (31:39)

• On Enabling Family:

  “Family wants something, they’re gonna get it.”
  “You make money. You spend money you don’t have.” — Eric & Caleb (27:37-27:41)

• On Financial Reality:

  “You are only surviving because you have disability.” “You’re going to hit that wall like you hit everything else while you’re on the road.” — Caleb (49:20, 49:34)

• On Mental Health/Resignation:

  “There are points in your life when you get so far down the hole that it just doesn’t even phase you anymore.” — Eric (53:19)

• On the Need for Change:

  “You need to find reasons to live, reasons to get out of this. You need to find some self-confidence. Or else what’s the point? You’ll never have the incentive to actually sacrifice. ‘Cause it’s gonna take immense sacrifice to get there.” — Caleb (57:05)

• On Lack of Progress:

  “I don’t think you have the motivation to change. I don’t think you care to change yet.” — Caleb (71:34)

• On Quick Fixes:

  “Do not consolidate any debt or go through bankruptcy until you have proven you’ve changed your behavior and lived in a budget for at least six months, or you’ll end up right back here.” — Caleb (81:25)

• On Self-Pity and Avoidance:

  “A for effort. Your little participation trophies is probably why you're where you are.” — Caleb (53:51)

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Important Timestamps

• Start of Eric’s situation & income: [01:15]–[04:43]
• Financial Confession / Red Ledger: [05:03]
• On applying for jobs outside IT: [08:41]
• Military background & timeline: [09:51]–[10:06]
• Divorce context begins: [10:57]
• Divorce legal costs: [13:57]–[15:06]
• Tesla payment problems/accident: [19:31]–[24:47]
• On credit card debt (Apple, Costco, Amazon): [27:06]–[41:30]
• Admission of laziness, excuses: [29:03], [24:18], [22:18]
• Meals & subscriptions scrutiny: [32:59]–[34:46]
• Discussion of discipline and being a pushover: [31:13]–[31:28]
• Caleb pressing about lack of self reflection: [42:20], [44:46], [53:00]
• Best Buy card explanation & India trip: [59:28]–[63:33]
• Bankruptcy/Behavior Change Advice: [87:03]
• Final financial score: [90:00]

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Final Thoughts

This episode serves as both a warning and a wake-up call for anyone teetering on the edge of financial disaster. Caleb’s direct, often biting approach sets a no-excuses tone, highlighting how unchecked spending, lack of discipline, emotional avoidance, and enabling loved ones can spiral into unmanageable debt—even with a decent income and military benefits. The episode's final message is clear: radical self-honesty, behavioral change, and regaining purpose are prerequisites for any true financial turnaround.

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For deeper discussion (including unfiltered personal drama), subscribe to the post show and join Caleb’s follow-up content.

Transcript

[A]

Where's any integrity in your life? Any kind of self respect? I need you to start having it.

[B]

She accuses me of cheating, but there's no gender infidelity.

[A]

She accuses you of cheating?

[B]

Yeah.

[A]

It's not cute. It's not funny.

[B]

You built this channel to yell at people.

[A]

What are you saying? You're saying we only do this to yell?

[B]

You enjoy yelling at people and you made money out of it because it was like it was related to money.

[A]

So does that bundle all of my educational programs I've ever made, plus the premium version of my budgeting app for not only 80% off, but also with a free trial today@$wise dot, join the tens of thousands of people who've changed their lives. And join Dollarwise Central right now for free.

[B]

Good afternoon. My name is Eric. I am 29 years old. I am from Houston, Texas, and this is Financial audits with Hammer Industries.

[A]

Oh, three things. One, you're. You're younger than me.

[B]

Yes.

[A]

Two, it is neither being uploaded or filmed in the afternoon. It is the morning for both. And three, Hammer Industries is the marvel thing.

[B]

Yes. Your last name is Hammer? Might as well.

[A]

Okay. Hey, thanks for coming over from Houston, man.

[B]

No worries. Appreciate it.

[A]

Interesting start. So what do you do over there for a living?

[B]

I currently have a part time job. I work at cvs. I've had a lot of odd jobs. Lyft, uber favorite delivery doordash.

[A]

But part time is CVS right now?

[B]

As of right now, yes.

[A]

What are you making? Well, it hits your account on a weekly basis? Monthly basis.

[B]

I started about three and a half weeks ago, so my first paycheck was 980. And then after that she's only going to give me 17 hours a week.

[A]

Why?

[B]

Because it's part time.

[A]

Why are you doing part time?

[B]

She won't give me full time.

[A]

Why aren't you getting a full time job?

[B]

Because I've applied over 400 applications in the IT sector.

[A]

Your applications, they're great. How many interviews are you getting?

[B]

Not that many.

[A]

How is your application? How's your resume?

[B]

I give you my resume.

[A]

Not now. We'll go into it, no worries. @ some point, but okay, I'll give you only it. There's other full time jobs out there between cvs, part time and it.

[B]

Yeah. So I haven't applied for anything outside of information technology.

[A]

Why? I'd like you to pay bills and part time. CVS likely doesn't do that.

[B]

Not even close.

[A]

Houston, Texas.

[B]

Uh, what do you. What the you want me to say, dude? Like I, like I applied.

[A]

Like, is that. What kind of combativeness was that? I want. I would. I want an answer like, why aren't you trying to go get a job so you can pay?

[B]

I like to make the most use of my degree, which is computer information systems.

[A]

Cool. You're making zero juice. Zero juice is being made. I'd rather you use a degree. Get into a field that isn't necessarily degree focus. Squeeze 20% juice out of it instead of 0% juice because you're not squeezing a single ounce of juice.

[B]

I have plenty.

[A]

And a single drip. No drip has been squeezed.

[B]

Well, I do build computers on the side.

[A]

That's great. Is it paying the bills?

[B]

No.

[A]

Cool. You're squeezing 1% juice. So I don't give a God.

[B]

No, I built like. So I built like four computers in the last three months. It's not that much.

[A]

You're doing great. Starting in your dorm room. Gonna build a massive tech empire for that. Like, I don't know, it's. That's fun. How much have you made from that? Profit?

[B]

Well, profit, 800 bucks.

[A]

So again, I'm just talking paying bills. I'm not criticizing the hobby, but if you're gonna bring that up as that is your making up for only being part time buddy. We could be getting even just customer service or even just tech support. It's just like that kind of stuff.

[B]

I applied for it help desk. The job.

[A]

The job was posted outside of it. And honestly, I'm more convinced that you're likely just. Your resume isn't there. Maybe you need to look a little lower than you want to get to immediately because you probably want to jump the gun and work your way up and build that resume experience and then get into the career field that you want to get into. It is not going to be a perfect thing.

[B]

I'm doing relationships. I have two internships. I was on web service.

[A]

I would say I would not hire. We hire people like crazy. I wouldn't hire a single person based on an internship. I don't give a f. Based on work experience and things that they're actually delivering. If they're able to show me a product that they've worked on, produced, made sales that they've made. That's what I look for. I don't care if someone's done an internship. Internship is sometimes connections like, it doesn't mean anything to me.

[B]

Non technical jobs that have applied for have been maybe about 30, most of them the course of three months.

[A]

Okay, so what hits your account on.

[B]

A monthly basis, 4,100.

[A]

That doesn't make sense. Not from your part time CVS job.

[B]

I also get VA benefits, so. Right.

[A]

Is this military disability?

[B]

Yeah.

[A]

Not a single case in the history of the show without it.

[B]

I run a financial red ledger.

[A]

You're the first one on the show.

[B]

To have never missed a payment.

[A]

On the show. Is that what you're saying? The first one on military.

[B]

No, no, no, no. On the show that's never missed a payment.

[A]

You're the first one on the show that's never missed a payment.

[B]

Yes.

[A]

You want a trophy? I'm like, okay, great, that's good. But if you're on the show, your situation's likely still financially. Completely.

[B]

No, it's this.

[A]

Don't need.

[B]

But I need your help to make it math. About 4,100 to 5,000 comes in, and the expenses are about 7,000. Somehow I've never missed a payment.

[A]

Somehow you've never missed a payment?

[B]

Yes.

[A]

What does that mean? Like, why are you surprised I don't.

[B]

Know where the f my money goes?

[A]

I thought you said you run like an in depth financial statement thing.

[B]

I said I run a financial red ledger, meaning more money goes out than money comes in. And somehow I've never missed a payment. That's what makes this fascinating.

[A]

Okay, well, that's good. So when we go here, there won't be any missed payments to these statements.

[B]

I sent the team my entire credit reports, like in detail from every card that's ever been opened to every card. No, no, there's not a single miss payment. I've had maybe late payments with a late fee for about a week.

[A]

Okay.

[B]

But as far as.

[A]

Well, there we go. See, that's a little different because I was gonna say this literal. The first piece of paper in front of me, which I haven't even looked at. It's. It is past due. And there's different things that can be done. It wouldn't necessarily be a late payment if you extend. What is this? Looks like this is a car. You could put it at the end of your thing. That still counts. In my mind, that is you not making the payment. Is it hitting your credit as a misspayment because you just refused to pay it and it went past, you know, a couple months or something? No, but you're still. You still did not pay this on time. So what the F are you bragging about? You don't even have a job. You're just getting the disability like every single other person that's ever been on this show. 4700 you said. Well, what is this brag? What is this brag? 4,700.

[B]

No, 4,100.

[A]

4,100. How much of that is military?

[B]

So 4,100 is military. And then I asked what hits your account?

[A]

What about The CVS job?

[B]

CVS part time every two weeks is about 600.

[A]

Okay. Okay. An extra 1200. Good. Okay, so we're talking 5300.

[B]

But I started CVS.

[A]

What were you doing before that? And again, what was this brag about the missed payment?

[B]

It's not on paper. I mean, it's on. I don't know, you have a late payment fee, but it's not on your credit report.

[A]

But what is the brag? Like you really care about it. Like, you bring that up, you bring up they're not going through bankruptcy, not defaulting, that kind of stuff. Like most people ask when literally I see past due immediately. So it's a stupid way to start this conversation. It's a very stupid way for you to try to get into this. Like what the are you talking about? Why is that something? You're bragging that you're not getting a credit hit, but you're still your finances. What is your life? I mean, you won't even go get a job. You would rather work CVS than work another a full time job outside of it? Like it doesn't make sense. Why accept and apply for a part time job of CVS but not customer service or something?

[B]

I have applied for customer service.

[A]

You said you've done 30 applications outside of your field in the last three months. That is 10 applications a month. And you need to do 10 applications a hour. So I don't know what you're talking about.

[B]

What my finances are. I have no words.

[A]

Are you gonna brag about something that else is like that you actually do again?

[B]

No. No, maybe not. So I'm trying to think other applications that I've done, I don't need down.

[A]

To the single application. It is very clear what you are doing though. So why'd you go and accept the CVS job?

[B]

Because I needed money.

[A]

So why not? I don't understand why you're not going and trying to apply. Mass job, full time jobs, career positions outside of the IT field, then more than just like less than a dozen a month.

[B]

I'll give you a bright side.

[A]

Tell me what you were doing before cvs. I don't need your bright side.

[B]

No, before cvs, I was mass applying. I was just mass applying for jobs in it.

[A]

How long Were you unemployed but still getting your military disability?

[B]

I graduated this past December. As far as being unemployed, the last job that I had was my internship at Chevron. It ended this past August.

[A]

And then when did you get out of the military?

[B]

2016.

[A]

And then you went to school?

[B]

No, actually, between 2016 and 2018, I had about five different jobs. I worked for Comic Con for two years.

[A]

Doing what?

[B]

Sales. I was an associate brand manager. And I did what?

[A]

All right, what's your bright side? What's your bright side?

[B]

I have an offer from Discover Financial.

[A]

Okay.

[B]

And that starts the first week of September.

[A]

And what is that going to be?

[B]

65. 60. 65 a year.

[A]

All right, so what is going on here, man? What are we actually talking about? Because this is all. I don't know, I have a lot of paper in front of me. And you tried to brag at the beginning, working part time job, but you did accept the job, but it doesn't.

[B]

Start until about two or five, like 10 months out of nowhere. Yes.

[A]

Yes. So what the is going on, buddy?

[B]

I'm in the middle of a divorce.

[A]

Okay. What happened?

[B]

Four years dating, two years married. Out of those two years married, one year living separate.

[A]

And then this wasn't a very successful marriage, was it? Was this a military marriage?

[B]

Not at all. This marriage, I got married in 22 in July of 2020.

[A]

Is the math. Yeah, it is the married part, yeah. Okay. Okay. So how long has this divorce been ongoing?

[B]

I filed at her behest, at her request, this past December. And now that I'm actually trying to go through with it at her request.

[A]

Why'D you wait five months?

[B]

Why'd I wait? Oh, yeah.

[A]

You said you filed in December, and now that you're ready to actually start going through with it.

[B]

Okay, what do I mean by that is I started. I was ready to go through with it when I filed.

[A]

Yeah.

[B]

Now she's dragging it along.

[A]

Why?

[B]

Getting cold feet. Saying she up. She. She regrets.

[A]

She wants to get back together with you. Yep. You sure about that? You sure about that?

[B]

And I'm at a point of no return.

[A]

Why?

[B]

We've been going at each other for.

[A]

Going at each other. Was there infidelity or anything in the marriage?

[B]

She accuses me of cheating, but there's no gender infidelity.

[A]

She accuses you of cheating?

[B]

Yeah.

[A]

Does that. Why? How? Context.

[B]

Okay, context. Right. Growing up, I didn't. Growing up, most of my friends were female. I didn't have many guy friends. So I'll build up to it. I'm working on it.

[A]

Yeah. You're a bit femme. I get it. Yeah.

[B]

Not really. No. No.

[A]

You are gay. Olivia loves a challenge.

[B]

It's why she lifts heavy weights and likes complicated recipes. But for booking her trip to Paris, Olivia chose the easy way with Expedia. She bundled her flight with a hotel to save more. Of course, she still climbed all 674 steps to the top of the Eiffel Tower.

[A]

You were made to take the easy route.

[B]

We were made to easily package your trip. Expedia made to travel flight inclusive packages are atoll protected.

[A]

Okay, so you're going through a divorce.

[B]

Yes.

[A]

How's this impacting all this?

[B]

Lawyers. $3,000.

[A]

What is she trying to fight for? But. But. But she's trying to pull back. So I'm confused. What. What is the. What is the need for the lawyer? She's just trying to null it, right?

[B]

Well, no, she got a. She got a lawyer. So when I served her, but she.

[A]

Wants to get back together. You served her? Oh, yes. Okay.

[B]

So when I served her, I went to the court, I paid $300. I have. The court served her. So I tried to avoid the lawyer at all costs. We have no children. There are two properties involved. Both properties costed about $320,000 each. They were both co signed.

[A]

Okay, get to it. What are you trying to say? Sorry, this is very draggy.

[B]

When she got her attorney, they wanted 61 lines of discovery, but it was a really short marriage, so I don't know what discovery they want.

[A]

Okay, well, they probably want to find anything they can.

[B]

Mm.

[A]

Yeah, I see. I don't see any mortgages. In one mortgage. I see one mortgage. Okay.

[B]

Phh.

[A]

I don't know. But I see one mortgage in your overall debt total. But you're $138,000 in really bad debt. The is going on. That's just not something. That's not divorce. That's not. Divorce is doing that $3,000. Even if three. $3,000 a month or something, that still doesn't get you there. So what is actually going on?

[B]

I don't know. That. That. Okay, I. I really don't know.

[A]

So you're getting into houses and this, all this real estate stuff, and you don't know a single thing about your finances.

[B]

Apparently not.

[A]

It sounds like this is an expensive divorce. Before we go into all this, how much have you spent on this 3000. Oh, it's just been the 3000.

[B]

Yeah, it's just been something crazy. But the attorney said that if she wants to go through 68 lines of discovery. It's going to cost another 9,000.

[A]

Okay, but that's not that crazy. I don't know if it's defending a property.

[B]

I told the attorney she can have the property. She can. We can put that.

[A]

You pay for the attorney, the 3,000 credit cards. Why? You don't make insignificant money. It's not like thrilling. But even just your part time job, I mean, we're talking $63,300 or something like that. A year net.

[B]

I originally represented myself. I wasn't trying to spend $3,000 on an attorney. I spent $300 in court paying the filing fees.

[A]

You were gonna represent yourself?

[B]

Mm.

[A]

Versus her. With a lawyer.

[B]

She got the lawyer after the fact.

[A]

What was she gonna do? Represent herself? Is this gonna be uv her?

[B]

Yeah.

[A]

Okay. I don't know. I would always have a legal expert in my corner. You wouldn't want to represent yourself in court?

[B]

I have nothing to hide.

[A]

It's not a hide. It's. You wouldn't be able to make the adequate arguments. Are you a legal expert?

[B]

No.

[A]

Okay, then why would you? Okay.

[B]

To save money. It's only costing me more money.

[A]

So I'm confused. She wants to battle for all this. She also wants to get back with you.

[B]

She's being indecisive.

[A]

And when's the last time she proposed? The getting back together?

[B]

About a month ago.

[A]

And what happened?

[B]

I told her no. I said, you don't respect me enough. No.

[A]

And then did she start pushing harder after that?

[B]

Yep.

[A]

Well, that makes sense. There's context, there's nuance. That makes more sense. No. Sh. She probably feels a little slighted. Probably taking it like a breakup because she just got denied. So she wants to go hard.

[B]

Maybe.

[A]

Let me see a picture of her.

[B]

Dear God. Where are the photos?

[A]

Do you know her? Instagram.

[B]

She blocked me on Instagram.

[A]

Okay.

[B]

She blocks me everywhere.

[A]

After you said no.

[B]

No, before.

[A]

Whoa.

[B]

She's Indian.

[A]

All right. Sick.

[B]

Yeah, she's gorgeous.

[A]

Aren't you afraid you're gonna.

[B]

No.

[A]

What was I gonna say?

[B]

I have no idea. Just a knee jerk response.

[A]

Aren't you like, she, like, you know. Oh, she has some attractiveness.

[B]

No. Yes.

[A]

Aren't you afraid of. Not, like, getting there again?

[B]

No, not at all. Like, I can go. I can go get myself fit. Take six months to a year, lose weight and find someone more.

[A]

Can. Haven't. I don't know. I do recommend shaving.

[B]

I've been lazy.

[A]

Yeah, I recommend shaving. And then growing. Grow up. Shave, grow shape, reverse. Reverse maneuver. Okay. Why does she want to get back together with you?

[B]

According to her, I'm her home. And I'm the only one who ever protected her from her life. From life. Because she grew up in a bubble. Her family kind of kept her in a bubble. Like, life is so hoped to stay here, go to school, go study. She was a bit of a. She grew up in India. She came to the U.S. she's a citizen. She's a resident. Permanent resident now. And no, I did not get her her green card. Justin. Just. Just.

[A]

Okay. I'm just trying to.

[B]

When I found her, I was in the middle of a breakup. She was in the middle of a divorce.

[A]

Oh, wow. She's. How old is she? She's getting some patterns.

[B]

She is currently 35. She's five years older than me.

[A]

Okay. Now, every woman, right, Lindsay, loves to have a bottom that they're very close to. So I get it. Like, I understand why she's trying to come back, but. Okay. What do you think your fin. What?

[B]

My financial score.

[A]

Oh, yeah. What do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best.

[B]

2.

[A]

Okay. If you want to see where you stand, take our financial [e-mail] or click that link in the description below. And you can Also go to calebhammer.com apply to be a guest on the show. But if you don't want to be, like, a guest on the show, all you have to do is download our budgeting app, use it. Automatic connections. A lot of extra features in there, and we're making it better and better every single day. And everyone that signs up for the annual version, I send you our cookbook and budgeting notebook signed by me and then mailed directly to your door. Navy Federal. This is the car, right? This is the Tesla? Yeah, Tesla.

[B]

It's a Rolly Olipoli. It's a black Roly Olipoli.

[A]

I don't know what that means.

[B]

I drive a Tesla Model 3, and I bought it. I bought it in November of 22. Right before the prices came down.

[A]

Right.

[B]

I made a financial need into a financial want.

[A]

Yes.

[B]

Before the Tesla, I drove a Ford Fiesta 2016 Kona Blue. I drove it into the ground 103,000 miles. 103,000.

[A]

Why are you late on this? Why the are you possibly late again? The guy bragged about never missing a payment. But you are late. Why is it past due?

[B]

I don't know.

[A]

$727.23 is past due.

[B]

Do I'm late because I don't have Anything on anything on autopay, then put it on.

[A]

Set an alert. What? Set an alert.

[B]

Too lazy?

[A]

No, too lazy to hold down your phone with a button on your phone and just be like set a reminder. Or just get a monthly calendar. That's not lazy. It's like little. That's like. Actually the opposite of lazy. You're just creating a reminder for yourself. It's the easiest thing you could possibly do. And now you have late fee. Like not. Well, you have past due. You owe $35,217.97 with a minimum monthly payment of 727. Of course we owe double that right now. We'll see when any late fees start coming. Eventually that brag will go away. Interest is. Yeah, I mean 6%. So it's not good with depreciation and everything. What do you think it's worth though? Again, owing 35,000. What do you think it's worth?

[B]

13K.

[A]

Why is there damage? We got 21,000. But I've had. That's crazy.

[B]

I've had two car accidents. One one collision, one non collision.

[A]

What are you doing? Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook. Yrefi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why? Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com hammer that is yrefy.com hammer or call 889-733-978. That is 889-733-978. Break free from the high interest trap and under control once and for all.

[B]

The first day, the first accident I had, I forgot to wear my glasses.

[A]

How do you then turn around, you dumb. If you can't see, stop and uber. I Don't know. That's just like you're putting other people's life at risk. That's not cute. It's not funny.

[B]

I was taking my neighbor to Costco because she didn't have a car.

[A]

Your what?

[B]

My neighbor.

[A]

Okay.

[B]

And because if we don't get the.

[A]

Free samples, we're gonna die.

[B]

She wanted and the car got hit on the rear driver's side. Only the driver's side airbags deployed. She was on the passenger side. And because she already had health issues, she decided to claim that all the health issues came from the car accidents. She went after my insurance. My insurance rate went up. And then she tried to sue me in court.

[A]

Good. You didn't wear your glasses. You should have.

[B]

I didn't even.

[A]

You.

[B]

I didn't know.

[A]

It's not cute. You're putting other people's lives at risk on the road. You should wear your glasses if you can't see. I don't want you driving a thousand multi thousand pound vehicle down the road.

[B]

I didn't even know she had taken me to court.

[A]

I don't give a. You should be no piece of move.

[B]

There are people that are actual reckless drivers.

[A]

And so are you driving not being able to see. Are you stupid? What are you talking about? That is reckless driving.

[B]

It was at an intersection. It was a. It was a red light.

[A]

You still were driving without glasses. When you needed glasses to drive, the light hit green.

[B]

I went go. And someone was running their red light.

[A]

And maybe you would have seen them if you had your glasses on.

[B]

It's 11 in the morning. The sun's right in front of me.

[A]

Are you stupid? That doesn't make sense. No, Noon is when the sun hits here. 11. All of a sudden it doesn't go there.

[B]

I disagree with that one.

[A]

Because you disagree with the movement of the sun.

[B]

No, the way.

[A]

When was it?

[B]

This was last year.

[A]

Last year month.

[B]

January.

[A]

Okay, so we are in the winter time. That means we are in standard time. Meaning 11 would have the sun just about here. So you. You're completely wrong. If there was daylight savings time. That's where I'm like, okay, maybe there's something a little we can talk about.

[B]

Was at 10 in the morning. It was before 10.

[A]

Doesn't matter either. That would be like there. Like that doesn't matter. If you can't see, you shouldn't be driving. And now you're trying to make excuses. You should be sued for you. Honestly, I don't around with putting other people's lives at risk. It's not cute.

[B]

It's my first accident ever with having someone in the car with me, and I've been great.

[A]

Clarifier.

[B]

Not really.

[A]

You shouldn't be getting in other accidents regardless. Dude, you're 29. You're a year younger than me. I've been in one little. Just, like. It was like, beep.

[B]

Lovely. The other accident that I had was this past January, but it wasn't with another car.

[A]

Yeah. Sticking with the theme. Yep. Go ahead.

[B]

Freaking trailer drops a ratchet strap, and it hits the bottom of the car. Like, I ended up running.

[A]

So you weren't keeping enough distance.

[B]

The thing is flying across three lanes. What distance am I supposed to keep?

[A]

Okay, it wasn't just the car in front of you.

[B]

No. It was a trailer, like, three lanes over. And the freaking ratchet strap just hit people wearing glasses. Yes.

[A]

Okay.

[B]

And I ended up hitting the ratchet strap.

[A]

So that means the car is likely worth even less than we have a valued at.

[B]

So that one wasn't. There was no body damage to that. It hit the bottom of the car, and the coolant lines kind of broke. Had to replace the whole battery because of that.

[A]

Well, Yep. That would do it.

[B]

Yeah. So that's. That's where. $10,000. That's crazy.

[A]

But you're gonna be paying this off forever. A depreciating asset, something not competing with the overall market if you're putting your money in the marketplace. So it's like, I don't know. What are we doing?

[B]

I don't know. The divorce probably has me all over the place because I've been spending more money than usual at the.

[A]

You got this car before the divorce. What are you talking about? What are you talking about? Dude? That doesn't make sense. So you decided not to wear your glasses before the divorce? That is the dumbest excuse in this context I've ever heard in my life. Past due. What a joke.

[B]

I don't usually make excuses. Today, I have no idea.

[A]

Huh.

[B]

Finance us next.

[A]

We're already there, buddy. We just talked about the Tesla Apple Card. $6,591.39 with a minimum monthly payment of $279.32. Okay, what's going on with this card?

[B]

I'm not sure. I've been.

[A]

Oh, my. They're telling me you've got, like, $4,200 worth of iPhones.

[B]

My siblings needed a new phone.

[A]

Why is it on you? Why is it on you?

[B]

Because they don't have credit cards. They're actually smart enough to not get credit cards. And I'm.

[A]

Why would you put it on your credit card? You don't need a credit card to get a phone. I don't know if you know this.

[B]

They wanted the newest iPhones. What the Am I supposed to say?

[A]

No.

[B]

Family wants something, they're gonna get it.

[A]

They make money. You spend money you don't have.

[B]

My siblings do work for HEB full time. They make 16 bucks an hour, and you do worse.

[A]

You just have disability like every single other person on the history of the show that's been in the military. So. Okay, I don't get it. They work at heb, so you go. And your entire life, do you say.

[B]

No to your family?

[A]

If it would my life. Cause that doesn't help them. In the end, that means I can't support them.

[B]

I have a problem saying no to people when it comes to asking to borrow money.

[A]

This is 4200.

[B]

Yes.

[A]

This is crazy. This isn't $100. It's not $25. It's not $1,000. It is $4,200. Was they at least supposed to pay.

[B]

You back half of it?

[A]

Why'd you agree to half? Because you're a part time worker at cvs.

[B]

I stopped working for Lyft because my. Because, yes. I was working for Lyft before February 20th of this year.

[A]

Okay.

[B]

And I stopped working because I let my sticker expire and I didn't renew it. So February, March, April.

[A]

And this has to do with you paying half the phones? I'm confused. No, this has to do with why.

[B]

With the lack of additional income that you don't see.

[A]

So renew your sticker.

[B]

I did last week.

[A]

Okay. Yeah. Well, before then. Why didn't you?

[B]

I don't know. I was busy driving around.

[A]

Huh?

[B]

I was busy driving around trying to tell.

[A]

You didn't. Because you didn't have a sticker.

[B]

That's correct.

[A]

So then do it. You said it was last fall. Last winter.

[B]

No. Last week.

[A]

No. When it expired.

[B]

February of this year.

[A]

Okay. That's quite a few months to just go get it done.

[B]

I was being lazy.

[A]

Is that gonna be your answer for this entire conversation?

[B]

No, I didn't have the money. Okay. At the time, I didn't have the money.

[A]

But you. Okay, let's just say you went into debt for it. Okay.

[B]

Yeah.

[A]

With the amount of opportunity cost that you lost by not continuing your income with the delivery services, it would have well been worth it.

[B]

I was trying to. I was trying to avoid putting more things on credit card, but I get.

[A]

That, but the opportunity cost. How much did you lose in income?

[B]

Probably 1,500amonth.

[A]

And did it cost 1,500 to renew your sticker?

[B]

No, it cost.

[A]

So what the fuck are you talking about? Just some basic, basic, basic, basic brain maneuvers. It's like the most basic level stuff. How much have they paid back then if they're supposed to pay half.

[B]

Nothing yet.

[A]

When was this? These phones. When was this?

[B]

In the fall.

[A]

Okay, so six to nine months ago.

[B]

I told them to pay me back when they have everything in full, not in small.

[A]

That doesn't make sense though. You can't afford to live. Why wouldn't they do a minimum monthly payment? Why are you relying on them being able to save up a big chunk of money on $16 an hour? That doesn't make any sense. Put them out on a minimum payment even if it's a few years long. What. What kind of logical way where. What made you think that that is going to be way harder for them to do?

[B]

I don't know. My sister decided to go. Is. Decided to go on vacation for Mexico instead of paying me back, so.

[A]

Right, because you said do big lump sum instead of minimum payment. So why did you decide? That was my question.

[B]

Probably because I didn't care. I didn't pay attention. I. Money comes, money goes. What do you want me to do?

[A]

Your case just goes though. It doesn't come because you said due in full instead of minimum monthly. Yeah. You're a pushover.

[B]

I'm like the banks of my.

[A]

You're a pushover.

[B]

I'm the bank to my siblings.

[A]

You're a pushover in this world. The ex has pushed you over. They're pushing you over. Your new boss is pushing you over. The military probably pushed you over.

[B]

Wasn't always like that.

[A]

You're a pushover.

[B]

No, it really wasn't always like that. It became like that over the last six years.

[A]

Why are you allowing that?

[B]

I don't know. Actually, that's a very good question.

[A]

No self reflection in your life whatsoever.

[B]

Not in the last six years. Now.

[A]

It's a long time.

[B]

Yeah.

[A]

Okay. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is. We finally did it and now we put it all into one program called $1 wise central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? You can try Dollar Wise for free until September 1st. If you are struggling or you want to learn more or you want to change your life in any way whatsoever you like literal tens of thousands of people have done with our programs go to Dollar Wise.com click that link below. Your life will change. It'll be incredible and I am here for you with an incredible support team that you can reach at any time. This is a no brainer$wise.com let's go gossip Moto Good to go Inc. Good to go. Good to go. Good to go. Good to go. What the is good to go for $7 every time a meal.

[B]

A fully cooked meal where I don't have to buy groceries I don't have.

[A]

But that's still more expensive and I'm okay with things like factor and stuff but it's for if you can budget it. You can't. You don't. Money still owed. On here are phones that they're not paying for so you're not going and spending seven hours a meal. We get our meals down to $4 by meal prepping.

[B]

So Gossip I had a rental vehicle when my car was in the shop. I had a rental vehicle.

[A]

It was in the shop one month ago.

[B]

My car was in the shop for three months.

[A]

And you just got it?

[B]

I got it back mid April.

[A]

Fuck.

[B]

Okay, mid April, late April, something like that. It was in the shop since February.

[A]

They didn't give you a Tesla?

[B]

No, they always give me a Tesla.

[A]

Why aren't you getting a Tesla? I just ask and they give it to me. It's not even in my insurance.

[B]

Hertz didn't have a Tesla at the time.

[A]

You had to take it to Hertz? No, the Tesla shop.

[B]

Tesla insurance.

[A]

I don't even have Tesla insurance.

[B]

Tesla. So Tesla. I went through my insurance for my second accident.

[A]

Did you ask the Tesla repair place that you went to?

[B]

They didn't have one.

[A]

They didn't have one.

[B]

They didn't have one.

[A]

Okay, good to go. Good to go. Good to go. Good to go. Good to go. Good to go. Peacock. Nothing on there. Apple Bill Good to go. Good to go. Good to go. Good to go. What are you doing? Why aren't you cooking and meal prepping? Come on. Just got divorced. Do you have time?

[B]

I study for certificates so I can. So I can level up my skills, upgrade my skills.

[A]

That is good. And I'll give you a course. Career as one. But regardless, that doesn't take away just a little bit of time on a weekly basis, a few times a week to meal prep. You can't afford these meals.

[B]

No, I can't.

[A]

Yet you do them. So like, good, reasonable answer. But you do it. So it's like. What is that?

[B]

Because it's the easy way out. Okay. It's the easy way out. It feels good.

[A]

It's not. To acknowledge what I'm saying is true without actually changing your behavior. Yeah, that is an easy way out.

[B]

Sometimes, not always.

[A]

That's what a lot of people do. Oh.

[B]

Hopefully things change after this. So we'll see.

[A]

Pull up your phone. Pull up your phone for me?

[B]

Yeah.

[A]

Got these Apple bills and peacock, these subscriptions that you can't afford to save your life. Open your phone. Is your phone open?

[B]

Yes, it's open.

[A]

Then just give it.

[B]

There you go.

[A]

I know how to navigate. I'm not going on any. I'm not opening your grinder. It's okay.

[B]

I don't have grinder.

[A]

Okay. Cap. Cut. Apple one. Notably notability.

[B]

Yes.

[A]

Smart AI notes. Lots of subscriptions in the past. Audible Meet me.

[B]

So there was a time, there was a point in my life where I wanted to try to make a little bit of money doing live streaming. And Meet Me was a smaller platform where you can actually just do live streaming. And if you got good, you can make a little bit of money and then work your way into different YouTube or something. I don't know. I was trying something different.

[A]

Well, they're telling me you want to start a YouTube channel.

[B]

Actually, I'm going to.

[A]

Oh, okay. What do you mean?

[B]

It's gonna be. It's gonna be a real simple channel. So I. So I just bought a dog, I paid $500 for a husky.

[A]

Great. Yes. You're so financially well off. What a good time to get a living. Thing that is depending on you.

[B]

No, the husky's gorgeous. You wanna see it real quick?

[A]

I don't give a F. What's the YouTube channel?

[B]

Dude, it's gonna be the life of the husky.

[A]

Right?

[B]

I don't have a particular name for the channel. So there's no blog. No, don't worry about that. So here it's.

[A]

May I suggest a different idea?

[B]

Go ahead.

[A]

A different idea?

[B]

Me?

[A]

Yeah. No, I'm suggesting do a different idea.

[B]

Like what?

[A]

And a different idea, just not that there's A lot of dog channels out there. It's just like, saturated, saturated, saturated. Good luck. You'd have to take a very unique spin at it. You know, it's like one of the reasons we were able to break out here is because we, you know, took a unique spin. You know, I made a show that I wanted to see that didn't exist, so we did that. I would think, like, that what dog content is out there that doesn't exist, but you want to watch. That's what I would look for, for and make sure it doesn't already exist.

[B]

Dude, you built this channel to yell at people because they're financially screwed or they're screwing themselves over. You enjoy it.

[A]

Why would I.

[B]

You enjoy yelling at people and you made money out of it because it was like. Like it was. It was related to money.

[A]

So what are you saying? You saying we only do this to yell?

[B]

Maybe.

[A]

Well, no, that. That's overly simplistic. Not even close. A lot of people have changed their lives, including, hopefully you. Oh, a lot of people in the audience as well. But of course, yeah, absolutely. I'm very intense. That's my personality.

[B]

That's good. That's good. Sometimes people like me need that.

[A]

So, yeah, a lot of people need it. But no, they didn't start a channel to yell. People. Trust me. These vocal cords hurt at the end of the day. Oh, and there's Apple Store. Apple Store. Apple Store. I'd say to 26.24% interest rate, buddy. You lost $500 this year in interest alone so far. Stop with that. That is noisy. Stop. Okay, little.

[B]

Okay, I. I fiddle. Okay, I fiddle. I. I fiddle.

[A]

I'm moving on. I'm moving on to the Amazon Chase. Pull out your Amazon for me.

[B]

Okay.

[A]

I mean, this one's always paid off, so I'm not going to write it down, but you spent $41 on this, and it was Amazon OpenAI. And Amazon, you have had interest this year so far. So you don't always pay it off.

[B]

That's. No. Yeah, that's correct.

[A]

Why?

[B]

You want it on my Amazon?

[A]

Yes, but also, why don't you always pay it off? I don't. Why don't.

[B]

Because I don't always have the money for it, and I don't have to.

[A]

Then don't purchase. Why the are you purchasing if you can't actually pay for it?

[B]

Because credit is good. Credit is addiction.

[A]

What? Credit having bad finance. What's your credit score like?

[B]

It's above a 650.

[A]

Great. Yeah, it's doing so. Well, no, like, what the you talking about?

[B]

Three months ago. It was in the 720 40s.

[A]

Great. So you're doing worse. What are you talking about?

[B]

I'm doing worse because I give advice from you.

[A]

The people code. Are you trying to have a learn how to have a conversation with people? Might be nice. Razer Kini Ultra gaming mouse.

[B]

I got that. To test that out, I'm actually going to return that. So that one's the only thing I'm returning.

[A]

Colossal foot, rasp and wood handle.

[B]

I don't want to pay $50 to go get my. To to go get a. To go take care of my nails.

[A]

Okay, well, it says foot.

[B]

Yeah, well, my nails, my feet.

[A]

Okay. And then toenail clippers for seniors. Okay, so we're spending on Amazon money we don't have. Interest is sometimes accruing. That one was paid off this last month, so I'm not gonna put it on there. But that is sometimes what is happening. Okay, Costco City Costco card. What's going on with this? Oh, this balance is insane, buddy. And you spent more on it while interest is accruing, then you actually paid towards. It takes 12 years to pay off. You'll be your age. You look.

[B]

No, not at all. I am not gonna take 12 years to pay off the Costco card.

[A]

Well, right now you're making it take longer because you're spending more on it than you put towards it. So that's just minimum payments without purchasing, but you're incapable of not purchasing. So. What the are you talking about? No, you're over the credit limit. You're over the credit limit.

[B]

That I had no idea.

[A]

He bragged in the beginning about never missing payments. He's over the credit limit.

[B]

You win some, you lose them. Okay. Despite logging nearly a decade of consecutive losses, he's finally ready to hit back.

[A]

I'm only lost your marriage. You're losing every debt in here. What are you winning my sanity back?

[B]

My peace of mind.

[A]

Not that I see. That's a start. What.

[B]

What is regaining my peace of mind?

[A]

Oh, I thought you were talking about.

[B]

Sanity because, well, if you have peace of mind, you can get your savings.

[A]

$3270.66 is what you owe on here. With a minimum depayment of $178.06, $196 of purchases and 26 cents when you only put 140 towards it. Well, $74.40 of interest is accruing. Why purchase on a card that is over max? That interest is accruing. That you can't pay off. Now you laugh about everything. Is everything a joke to you?

[B]

The bank allows it. What am I supposed to do?

[A]

Not do that. Have some sort of discipline in your life. You're in the military, you know. Discipline. Yeah, laugh about that.

[B]

No, I had no. I. I did lose my discipline over the course of years, but.

[A]

Take this faster.

[B]

I don't have words.

[A]

Now I. I'm asking why? Cause I. Up. That's not an answer. That's not an answer. Dude. That is a get out of this. That is a. You're trying to get a get out of jail free card. Why are you putting it on this card? A card that you cannot pay off that is over the limit that is accruing interest.

[B]

Because the banks allow me to. That's why. Good.

[A]

Okay. So you have no ability for any kind of self reflection in your life whatsoever. You are incapable of looking at why you do something, the cause of your actions. You are incapable of having any idea.

[B]

Some days. Other days not so much. Like.

[A]

Well, now would be a good day.

[B]

Duly noted.

[A]

No, we're in it now. Don't note it. Do it.

[B]

Okay. No, actually, no. Not yet.

[A]

Let's keep going. Yet.

[B]

Not yet. Go through the rest of the finances first and then we'll talk about it.

[A]

Quiet. Try Tiller HQ trial. Over $79. What is that?

[B]

That was a one time yearly subscription that I got to try to manage my finances.

[A]

Yeah, and how's that working? Because it put you over the credit limit. And then you purchase on Costco as Well. Of course. 30% interest rate. Late fees this year. You said you've never been late. There's a late fee this year so far you said you've never been late. Okay. You never had a late f. Cking fee. There you go. That is. You know what hits harder than a sunburn after a 3 day festival? Check in your bank account. After summer, with all the travel, concerts and that daily iced latte habit, your wallet is probably looking thin. But one thing, you don't need to keep overpaying for your phone bill. And today's sponsor, Helium Mobile, helps that. And they've got something called the Zero Plan. It's a real reliable phone plan that costs zero dollars. Seriously. Bring your own phone, your own number, and boom, you got nationwide 5G service. No contracts, no credit checks, no fine print where free really means not that free. And here's the kicker. Even on the free plan, you earn cloud points. Think air miles. But for staying connected, you can cash those in For Starbucks, doordash, Target, Ulta, even donations to charities. And your phone bill is not just free, it's finding your caffeine addiction. Or if you want more data, you can just upgrade to one of the higher usage plans. Still dirt cheap and you're still racking up cloud points. Helium Mobile is built different. Instead of relying on expensive cell towers like old school carriers, they combine nationwide 5G with a community powered network. That's how they keep things affordable or even free without sacrificing coverage. So yeah, take the win. Reset after summer spending is switch to Helium Mobile. It's free, it's smart, and it doesn't feel like financial sabotage. Let's get back to the episode.

[B]

I've never had a late fee. Hit my credit reports. That's what I was bragging about.

[A]

And hit your credit. Yet a late fee this year and you're late on your Tesla. What a joke, dude. Undisciplined pushover, unable to self reflect. Come on, where's any integrity in your life? Any kind of self respect? I need you to start having it. Do you go to therapy?

[B]

Yes.

[A]

Okay. Go to more.

[B]

Okay.

[A]

Or see a different therapist.

[B]

I might need to see a different therapist too. I might need to see a different therapist.

[A]

Okay, yes, I heard that.

[B]

Why? Why? Because my therapist always just agrees with me.

[A]

There you go. See a different therapist because that's not good. You had a late fee. Why?

[B]

Because I was waiting for my. For my in for my middle of the month paycheck to hit in order for me to make a payment on the card.

[A]

Then why purchase on here if you're not able to make a payment on the card?

[B]

Because even if I don't purchase it, I still have to make a payment.

[A]

You don't have to make a payment. Oh yes to this. But I don't have to make a payment. They would have been lower payments, lower, more affordable payments if you weren't continuing to purchase on here. And then all of a sudden your late fees makes your balance higher. Interest makes your balance higher because your balance is already higher, making your interest a higher amount, making it even more unaffordable for you to be able to make that minimum monthly payment. Buddy, I don't know.

[B]

I have no idea.

[A]

Sake. This next one. What is this? This Amex every day. What's going on?

[B]

My insurance goes on there, my charging goes on there, my Internet goes on there, my cell phone goes on there. And other than that I don't really swipe it. Probably I have maybe one or two subscriptions.

[A]

Buddy, you owe $6,774.84 on here. That is crazy. You purchased $833. That's not just subscriptions when you only put $200 towards it. Well, $158 of interest is accruing.

[B]

Mine's you.

[A]

$224.22 is your minimum monthly payment. Hey, how long does this take to pay off if you don't purchase on it and you make your minimums? How long? Which you're incapable of, of course. As we learned across every statement, a.

[B]

Good 19 years, if I'm guessing.

[A]

Yes, you looked when you sent it.

[B]

I did not look. I'm blind as I'm a blind bat.

[A]

I don't have my glasses on. You're not able to look at your statements when you sent them to us? What are you talking about? I just be a moron.

[B]

I just downloaded and sent them. I didn't even look at them.

[A]

Fine.

[B]

Scout's on her.

[A]

I don't care. Buddy, it is a $224 minimum payment. No, you can't afford this at this point.

[B]

And not to mention it, but you're.

[A]

Still putting money on it.

[B]

My insurance is 250.

[A]

What is your living situation right now?

[B]

I have a mortgage. I don't have roommates.

[A]

So you live in a house?

[B]

Yes.

[A]

Why the don't you have a plug? Ah, it's all Tesla charging. Tesla charging, charging, charging, charging, charging. Supercharger, Supercharged, supercharged, supercharged. Plug it in at night at your house like I do, and I don't pay. This is crazy. This is crazy what you are spending. There's your insurance for Tesla. But the supercharged, supercharged, supercharged, Supercharge and other AI subscriptions, like the fiddle we've seen. It's not gonna make up for not having a personality. Supercharging and then your phone bill on here. That's crazy, too. On a credit card. Come on. Supercharged, supercharged, supercharged. Why don't you listen? You can even just get the bull. What is it, four miles an hour charging? Yeah, but at least it gets you something overnight. But still, it's like, what, 150 bucks one time and you get the. You know, when you. I have a plug in wrong. Then what the are you doing? Cause this is moronic. Then that's extra moronic.

[B]

I do charge at home.

[A]

Then what are you doing? You tit. You just go to sleep.

[B]

My new Battery has, like, 220 miles of range. My previous battery had 270.

[A]

Use 220 miles to go to your part time job a day.

[B]

It's not the only driving that I do.

[A]

What are you doing?

[B]

I also tried to do doordash on the side.

[A]

But you don't. Is that even worth it at this point?

[B]

No.

[A]

Look how much you're doing. Supercharge, supercharge, supercharge. And then there's Internet payments and supercharged. And then Microsoft supercharged. Supercharged and Spotify. You listen to ads, you don't have money. You can't afford to live. I don't give a. You're only surviving because you have disability.

[B]

That is true.

[A]

Well, you wouldn't be surviving off of $1,200 a month. Yes. You're only surviving off a disability.

[B]

No, because the mortgage is like 2,375.

[A]

Yeah. So you're only surviving off a disability.

[B]

Yeah.

[A]

These are insane. And even if you shouldn't be making these purchases, but even if you do on a checking account, buddy, you're putting your. You're making this balance go higher and higher and higher. And the interest goes higher and higher and higher. Your window through payments go higher and higher. Higher. You're gonna hit that wall like you hit everything else while you're on the road. And. And then there's going to be no. Then your little brag about never going through bankruptcy. Yeah, that's going to happen. Car repoed, mortgage foreclosed. You're going to be. Because you're pushing this to an unsustainable point. It already is. But you're pushing it higher so you can have your little subscriptions and bullshit and charge on the go instead of plugging in overnight. You don't need a Tesla. You shouldn't have gotten a Tesla. You specifically. I like my Tesla. It's a good car. It fits my lifestyle. It does not fit yours.

[B]

I should have gotten a Camry after my Ford Fiesta.

[A]

Sure. I don't give a. Just not a Tesla. It doesn't make sense. For you specifically.

[B]

I didn't want a Camry.

[A]

Don't care. There's many other options between.

[B]

What other good cars are there, buddy?

[A]

You could just have anything. I'm just saying you can't have something where you can't just fill up a.

[B]

Toyota's reliable and Tesla's reliable. Everything else, a lot of mechanical issues.

[A]

Hyundai.

[B]

Yes, yes, Honda.

[A]

I had a. Isn't that quite known for being reliable. Just don't get Nissan.

[B]

No, I'd never get a Nissan.

[A]

That's what I just said. No fees this period. Interest $158. Oh, you actual little piece. You've had about four late fees this year so far in this card. We're in month five. You've had three to four late fees this year so far. What a joke. What a joke. Yeah, laugh about that. Cope. Giggle your way through it. What a joke. Come on. Where's any self respect you have for yourself in your future? If you want to get back out there, you want to meet another girl, you got to take care of yourself first. And that can start with finances. Because even if they're attracted to you, once they see this, they're gonna run.

[B]

They won't even run. They'll fly like just vetoed vertical takeoff. Just go.

[A]

So what the are you doing? Three to four missed payments in five months. What? Does that not feel disgusting? I feel disgusted. I feel it in me. That is. It is gross. I. You did it. It was you who did it.

[B]

Did I blame someone else?

[A]

No. Yeah, but I want to hear why. You at least think maybe you can't give me a perfect reason. I want to know at least. I want to see a little skill of reflections.

[B]

I use spending as a coping mechanism when I'm not doing okay, buddy, I.

[A]

Asked why you weren't making your payments.

[B]

Because I wasn't keeping track of anything I don't have anything set on.

[A]

So what's different today? Nothing. Nothing's changed. In fact, the divorce has only gotten worse. Now you're in a legal battle, so things have only gotten worse. Credit's gone down. So what is there positive for me to grab hold onto here?

[B]

That's a very good question.

[A]

Yeah, I want to fiddle some positivity.

[B]

Uh, I got nothing. At least for Rhett, I got nothing.

[A]

Yeah, Seems to be a trend in this conversation. Yeah, which doesn't give me a lot of optimism here. Not trying to beat you down, buddy, but I am trying to wake you up and I am trying to crack you open. Unfortunately, there doesn't seem to either be anything there, or you're just so far gone and you don't care.

[B]

It's not that I don't care. It's really not that I don't care. There are points in your life when you get so far down the hole that it just doesn't even phase you anymore.

[A]

Do you not want to escape the hole?

[B]

I'm trying to build a dirt out of. Trying to build a ladder out of dirt. Bet there's. It's not really.

[A]

Don't use dirt, you moron.

[B]

I have no other tools. I'm in the hole. It's just dirt. It's just a whole.

[A]

You are not going to metaphor your way out of this.

[B]

A for effort.

[A]

Your little participation trophies is probably why you're where you are. You've got on a slap on the back. Good job. And you can just be a failure throughout life. It doesn't matter. And then your wife leaves you $1,133.96 on this bank of America card with a minimum monthly payment of $37. No purchases, but $26 of interest is accruing. Eight years just to pay this one off using minimum payments, which is all you do and no purchasing, which at least lucky for you, you did not on this.

[B]

So I can tell you where that $1,200 came from. Four to six months ago, I decided to try to try to take care of my car. Put ceramic coating on it.

[A]

Oh, it's this car, man. Okay. Oh, good. Late fee this year so far. Sure, keep going.

[B]

And dude, it's crazy.

[A]

This is insane.

[B]

So I figured if my car looks good, my house looks good and I look good, I feel good about myself and I can start doing something about it.

[A]

Do you?

[B]

It didn't last, buddy.

[A]

This isn't easy. I see stubble. All you have to do is grow, shave. Just do the opposite of what you're doing now. This is so simple. You can be a thicc boy. It's fine. Trust me. My little philosophy for everyone out there. When it comes to sex. Before I was, you know. You know, in my relationship, whatever it was like I don't really care until all of a sudden I can't people that I find attractive. But I've never hit that limit for some reason with the chub people still go for. So it's okay. Just get rid of that because that's a little scary. And then grow this. And I bet you'd be a handsome dude. You got that natural tan. You're a little olivey. You have something. You laugh a little too much at appropriate moments and you're a little. But you. I think you'd be okay.

[B]

I probably will be okay. I probably will be okay. I just need to actually just take action.

[A]

You out there, When's the last time you got some?

[B]

I haven't gotten any since my wife moved out. She moved out in November 23 3.

[A]

Oh, poor guy. Oh, poor man. Oh, buddy.

[B]

Uh huh.

[A]

Oh, geez. Yeah, that must with your self esteem. Are you trying to have you attempted to.

[B]

No, I did have one and that was in July when she Came to visit right before. She was from where? From the north.

[A]

Okay. The north. Okay.

[B]

I'm trying to keep discretionary to not say what state she's in. She's in the Midwest. North.

[A]

Sure.

[B]

Pharmaceutical companies in the union. Yeah. And other than that, I really haven't had anything but you.

[A]

Okay. I'm just saying, you know, there is a little self esteem. You're young. I need to get out there. You on dating apps? You doing anything?

[B]

No. No point in doing any of that. If the divorce is not finalized, there's no point of having.

[A]

She's gone.

[B]

It's the principle of things at the end of the day. Because why do I want to have. Why do I want to start a relationship when I'm still trying to go through a divorce?

[A]

I'm a very sexually active person, of course, but I'm a little locked down now, so that's okay. $105 of interest accruing this year. And it's okay to be sexual. Who cares? Our culture is very anti sex right now. Yeah, that's. Whatever. I don't give a. Get out there, man. Go live your life. I need you to have some self esteem back. That's what I'm talking about. I know it's very personal and I love, you know, making jokes and going down that alley quite a bit. This is, you know, my immature little brain. Sure. But the thing is, I do need you to get some self esteem back. If you're not getting self esteem back, I don't see you coming out of this if you don't have a purpose. I don't see you coming out of this if you're not putting in any kind of work. Like, okay, I get it. And I get pushback sometimes where it's like, you know, I put in the effort, I put in the work to get out of finances, to build a business. A lot of different things in my life. It's been very successful, but I haven't put in the effort for my own physical health. Okay, sure, got it. But I've up my style game at least a little bit. This isn't like fantastic, but it's still better than it used to be. Whatever, it doesn't matter. You got to put in work somewhere. Right now you're putting in work nowhere other than coding on your car. So I just. I need to see some self esteem, some care about yourself because if you don't have that, you're never gonna put in effort. I'm not surprised to see no self reflection. Cause you have no care Nor desire to look at your mistakes to try to change them. Because you don't have anything going for you right now. And I'm not saying that it's a slam or a dunk against you or a beat down. I'm saying you need to find reasons to live, reasons to get out of this. You need to find some self confidence. Or else what's the point? You'll never have the incentive to actually sacrifice. Cause it's gonna take immense sacrifice to get there. Okay, best buy card, $7,828.14. That's chunky for Best Buy. Why? I mean, you purchased like 3 bucks. Why are you purchasing minimum monthly payment $179. What are you doing still? Why? It's just $2.55 of purchases. Why? $100 of interest accruing 25 years to pay off?

[B]

You know, I actually don't know what went into this card. I don't know why the, the.

[A]

The.

[B]

The limit's at 7,000 right now. I, I don't remember.

[A]

To, to be honest, you're over the limit by $828.

[B]

The limits. The credit limit on the card's 10,000. I haven't.

[A]

Oh, you just said it was seven. Okay, go on.

[B]

The current limit of expenditure is 7,000. The credit limit is 10,000.

[A]

Okay, go on.

[B]

And so in December, between three cards.

[A]

And you just got it at CVS. You work at CVS. You just got a snack at CVS.

[B]

Yes.

[A]

And you use your Best Buy card for it. Oh, good. Three late fees this year so far.

[B]

Well, you do only live once, so.

[A]

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. Coursecareers 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 Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and 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, about 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 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 it. What? That doesn't make any sense. Explain that logic to me. If you're going to have some kind of logic in your life at all, please try to explain it.

[B]

If you want a funny logic, you build debt, you die.

[A]

No, the logic of what you just said. You only live once. How does that apply to this? Please.

[B]

It doesn't. Anyways, I. Yeah, so in December of. In December this past year, after I graduated from university, which I have no student loans, by the way.

[A]

Yeah. You're in the military.

[B]

No, actually I don't get the 9 11. I didn't get the 9 11, so I didn't get the 1500 dollars a month plus my school paid for.

[A]

What'd you get?

[B]

I got two years of chapter 33, which is vocational rehab. I paid for my first two years of school.

[A]

Okay. You graduated? What? What do you. What are you saying? What are you talking about?

[B]

So after I graduated, my wife wanted me to go to India to try to, quote, unquote, deal with the whole dowry. I wish. No, I wish. No, she wanted me to go to India to try to see where the marriage stands, separating, getting back together or something.

[A]

She's in India right now?

[B]

No, she was.

[A]

Why do you have to go to India for that?

[B]

Because she wanted me to go see the family too.

[A]

So food poisoning would unite you guys. I'm confused.

[B]

No, I don't. I mean, if you want to. If you want to talk about food poisoning, just go to Mexico. First. Okay, it's a lot closer.

[A]

But you don't have to react to every single thing I say. So you went to India?

[B]

Yes, I went to India and I spent $10,000 trying to get there.

[A]

What? Why?

[B]

Because for the first time in my life, I did the incorrect thing and I tried to book through third party to save money.

[A]

This is the first time in your life?

[B]

When I book flights, I book directly with airlines. This is the first time I book with third party. And I was not able to get any of money. Any money refunded.

[A]

Who was the third party?

[B]

UK websites.

[A]

Why didn't you just book a trip to India? I'm so confused. How did this cost $10,000?

[B]

How possibly so? I had booked every flight. Originally it was 5,000. Originally it was like 5,000. And I was booking flights one week in advance. And December flights to India are the most expensive. So I tried.

[A]

Why don't you plan out?

[B]

Because I wasn't planning on going to India originally. I wasn't planning to go to India.

[A]

Yeah, but once you decide you are just do it.

[B]

A month later, she was in vacation from the second week of December, December to the first week of January. And it was mid January or mid December when she.

[A]

Okay, well, obviously it didn't work.

[B]

No, it didn't.

[A]

What are you telling me? I don't. What are we talking about? What are we even talking about right now?

[B]

Part of that 7,000 is okay. Is the.

[A]

I still don't know how it cost $10,000. Oh, you didn't even go. You didn't even get on the plane. So guy.

[B]

I wasn't boarded. So the ticket was through third party. And then they got the ticket from Air India and it was operated by Turkish Airlines. Turkish Airlines refused to let me board.

[A]

And you're going to be using Turkish Airlines again very soon.

[B]

Turkish Airlines did not let me board because I didn't have a physical copy of my permanent visa.

[A]

Why?

[B]

Because I booked. I got my expedited visa 12 to 24 hours before my flight. And it just didn't come in the email yet. And I told them by the time I get to Istanbul 12 hours from now, 11 hours from now, I'll have the visa on hand for immigration. They said you're not getting on this flight within five hours of them not letting me get on the flight. After leaving the airport, my visa came in.

[A]

You think if you went, you guys would be together?

[B]

Oh, no. I ended up booking a second flight.

[A]

Can you tell me exactly? I understand the little line she did. And it sounds like she's probably a bit more traditional because they're a bit more conservative, their relationship wise, where she comes from. What was the straw? What made her be the divorce? Ask the divorce. What was the straw? The final straw, Nail in the coffin, blah, blah, blah.

[B]

No. So there wasn't a final straw.

[A]

It was. Oh, come on. There was a final straw, final nail in the coffin, final dot on the.

[B]

She didn't ask for it once. She asked for it five times over the course of 18 months.

[A]

She asked for a divorce five times.

[B]

Over the course of 18months? Yes, I asked her. I asked her on her wedding nights. Never utter the worst divorce and I will stand next to you no matter what through, like, through all.

[A]

Fine. Why was she asking consistently?

[B]

She says I wasn't treating her nice.

[A]

Were you?

[B]

Yes, I was.

[A]

I mean, you guys didn't have sex for the last year of your marriage?

[B]

She moved out. She was. So when she.

[A]

Where'd she move to? When she moved out?

[B]

She moved to the. To the state in the north. In Indiana.

[A]

The state in the north. Indiana? Yes. Okay.

[B]

So like I said, she got picked up by a pharmaceutical company. So she was working for Honeywell originally.

[A]

Why did you go with her?

[B]

Because I was still getting my bachelor's degree.

[A]

Okay. I would have transferred for my wife.

[B]

There was no. There was no university that was good in Indiana for it. I had like two semesters left behind.

[A]

You? Bloomington. Notre Dame. Notre Dame, I think is private, but even still Bloomington. Great.

[B]

I was. I had over 70 credit hours.

[A]

Not.

[B]

Not enough.

[A]

You can transfer. You tits. What do you think? Transferring?

[B]

Yeah, but there's a limit on the number of credit hours you can transfer. It's like 30 or 40.

[A]

I don't know about that.

[B]

It would have set me back a whole year.

[A]

I don't know about that. Are you sure? Yes. So I'm gonna fact check you right now. What is it gonna say?

[B]

There's a. Depending on the university.

[A]

There's a university you're transferring from her to.

[B]

To not transferring from.

[A]

Come on. I bet you went to. I'm thinking of Bowling Green. That's in Ohio. Kent State. I think that's in Ohio, too. There's a lot of universities in Indiana, though, that you go to.

[B]

How many are going to let you transfer more than 50 credit hours? Because I was like at 80, but when she moved, I was at 80 credit hours and my degree was 120. It would have sent me back a whole 30, 40 credits. And on top of that, I was using chapter 33. By the time that she moved out, I was using chapter 33.

[A]

Well, yes, that part's a bit more interesting.

[B]

64 credit hours for which university?

[A]

Indiana University. Indiana State is 94.

[B]

Really?

[A]

University of Southern Indiana. That one's 39. 32 for Purdue. Evansville. 72. So you again. I asked you if I fact checked you, would it be true? Fact check you.

[B]

Which ones are.

[A]

Indianapolis, buddy, again, you might have been able to do online for those universities still as well, but Indiana is also not that big.

[B]

It's a small. It's a small town.

[A]

Indianapolis, still city, buddy. I'm not going down your rabbit holes. Yeah. Two missed payments on this card, as usual.357. This is just a joke. I mean, how are we even gonna pay all this off? Like, you don't even start your job if you honestly even like, started to even begin with. Because I don't even know, with your life in the fall.

[B]

Well, I actually was hoping to see if I can get an interview with you. I was hoping to use are interviewing. Yes, for my financial life, not for a position here with you.

[A]

One of our job openings.

[B]

Yes.

[A]

Okay. What job opening do you want here that we have open? What are you qualified for, Mr. IT? I don't think we have an IT opening. What do you want? We got sales. We got HR Director sales.

[B]

I could actually be good at sales.

[A]

Okay.

[B]

I did sales for two years with Comic Con and I was actually pretty good at it. I really was. And as far as it goes, probably fix your WI fi because not all your rooms have good WI fi. And then just make sure the network's.

[A]

Always up in progress. Yes, we'll see. We'll talk towards the end. Navy Federal Credit Union. Okay. Visa Signature Go rewards card. It's at $19,368.67. That's horrible. What's up with this?

[B]

The other 5,000 of the flights are on this card, I believe.

[A]

And then the other 15,000 you owe.

[B]

Yeah, the car accident. 10,000, give or take.

[A]

The other five.

[B]

The other five, I'm not entirely sure, actually.

[A]

Right, I know. $453.32 is your minimum fee payment, which is disgusting, insane, and I bet there's late payments galore on here. You're going. You're getting groceries on this card of cards you can't pay off. Going to the movie theater, not with a date. Low Crucose restaurant dining. Not with a date. Going to the movies, not with a date. This is insane, buddy. Insane. Now, it's not a statement. It's screenshots. And I bet I'd see late payments galore. Late fees galore in there. This is your highest level credit card we've talked about so far. Highest balance and you're laughing. What do you want me another Visa? Signature. Okay, visa. The signature 2.0. What do I. What?

[B]

What do you want me to do? Cry on camera instead of laugh?

[A]

$9,548.91. I don't know. I don't buy that. Listen, you're just incapable of self, you know, you're in debt. I just don't think you have the motivation to change. I don't think you care to change yet. I really don't. You know, you're in debt. It's uncomfortable, but I don't think you're there. $9,548.91. Is ODA on here? What's the minimum monthly payment?

[B]

I think 240. No.

[A]

240. Well, maybe. I don't know. It's not. Here.

[B]

Let me pull it up.

[A]

It's fine. What is Primerica. And then of course we got Costco.

[B]

Oh, I need to cancel.

[A]

Prime America Salon. Men show. Men show. GameStop. He went to. He spent $257.31 at GameStop.

[B]

Yes.

[A]

Doing what?

[B]

I got a PlayStation 5 for 250.

[A]

Why?

[B]

Because I play video games. I don't buy skins on video games. I don't buy.

[A]

I love video games. Video games are great. We need to take care of some self care first for you though. We need to turn around your life before we're sitting down and rotting. Yeah. And then you're paying for PlayStation Network. Buying some video games. Buying some video games.

[B]

So the payment actually for the.

[A]

For.

[B]

For this one, it's actually 200.

[A]

It's not 200.

[B]

200.

[A]

Very good. 200. Discover it. This is insane. This just keeps going.

[B]

Yeah, this is the. This is the interesting one. Yeah, not in a good way.

[A]

$2121.55 with a minimum payment of $43. Interest of 2251 is accruing. This is the only 2245 $4 of purchases. Why the possible boosting it basically to the credit limit. Why?

[B]

I actually looked. This is the only statement that I looked at when I sent everything and I realized. I looked at the spending analyzer. Apparently I spend a lot of money on food.

[A]

Yeah.

[B]

About $568.

[A]

Ganja. Going into the gas station, getting some bull faux Viet tastes. Huet luan. Sean the Bep. Tea House. Rainbow LLC. Told you. Rainbow LLC. Tosca Italian Gourmet. Nhat. Getting some Ram Tech who knows McDonald's. Michelle, Baggy Park. Bagby Park. Oh, La Calais. La Calais. La Calais. Break time Tea lounge.

[B]

It's la Calle.

[A]

Just $41. Yeah. The interest just started to accrue. This is new, this balance. Oh, this is so stupid. Why? So you can just your life over more and push it to another one to the credit limit.

[B]

Sometimes when we go out to eat, I buy it for my friends. Sometimes I don't.

[A]

That's why. Why. Why are you buying for your friends? You're financially. They can pay for their own food. You can't even pay for your own food?

[B]

No, no, I can't. The banks pay for my food and I just pay for the banks back.

[A]

Buddy, I'm borderline about to give up on you. Just look at that. Look at your reaction. How do you say things so, so stupid? Discover Card. Tell me the balance of the Discover Card. Cause I don't know. You didn't send a statement.

[B]

Like again, that is a statement.

[A]

The same one we just saw?

[B]

No. So that's the. That's.

[A]

What's the balance?

[B]

Like 2000.

[A]

What's the minimum monthly payment? I'll check me. Dude. Discover Card. Yeah, we're going. We're getting some rap and roll, stopping and getting some bullshit. Your job. Stopping and getting some bullshit toys. So stupid. Oh.

[B]

The balance is $2,400 and the minimum payment is 37.50.

[A]

$37.50?

[B]

Yep.

[A]

And then we got Crow cruisin. Told you guys. McDonald's going in and getting some Bull. Fuji tea. Tortillas, Gigantes. Tortillas, Gigantes. Black market. Interesting. The BEP Tea House. Quench it. Soda, Dude. Starbucks. This is all just a joke. Freedom Card. Minimum of balance, $1,306.79. Minimum monthly payment, $40. Still purchases under here too. You. Dude, doesn't make sense. $24.88 of purchases. $367.58 of purchases. $407 is your payment. But it's basically the same hands because of interest. And it's Turo Inc. Renting a car off a Turo.

[B]

No, actually I can explain that one.

[A]

I'd love to see you try. Please also explain why you have a late fee on here this year so far.

[B]

The late fee I can't explain. But I can explain. Turo.

[A]

Of course you can't. Go ahead.

[B]

My. I told you. My brother works at heb, so he has a Friend who wanted to rent a car for prom. And he said, I have cash for prom. Yes, the guy said, I have.

[A]

How old's your brother?

[B]

My brother is 20. His friend is 18 and his friend is still and senior in high school. My brother's already graduated.

[A]

Great. So you're paying for someone's prom. Okay, keep going.

[B]

And the guy's. My brother's like, can you do me this favor? The guy's willing to pay you cash just because he's not. He's not 25 years old yet. That's why he can't rent a car in Turo. He wants to get this car.

[A]

Yeah, but his parents should be able to. He has a parent. He is 18. He has parents. Why are you around? Why are you around?

[B]

Because I fell for himself. That's. Sorry. Parents are divorced.

[A]

That's kind of illegal, isn't it? It's kind of illegal, isn't it? They rented a car for someone else because they didn't qualify, age wise.

[B]

That I don't know. I don't know if that's illegal or not. I can't tell you.

[A]

Huh?

[B]

And the guy never showed up with the car. So I asked her for the money back. So that. That one doesn't really. It's gonna come back. I gave the kids back.

[A]

Well, see, your phone. The phones that you purchased for them never came back. Good luck.

[B]

No, this one's gonna come back. I asked Turo for the money and I gave the kid back.

[A]

Turo. We asked Turo and they said yes.

[B]

They're gonna refund me.

[A]

Why haven't they?

[B]

They said seven. Seven to ten business days.

[A]

Since when?

[B]

Like last week?

[A]

We'll see. I hope so. Either way, you still put it on a card that has a balance that is accruing interest. How is this seriously continuing? This is so crazy. All right, Sapphire, you owe $1,261.65 minimum. Monthly payments of $40. Takes five years to pay off if you don't purchase. Of course you're incapable of that. Oh, looky, looky. We have $95 of fees just this month. And then $25.17 of interest and 51 $1 and 80 cents of purchases. Even though you only made a forty dollar minimum to payment. Because we're our lives in every way whatsoever. Because we don't care. Because we've given up. Because there's nothing to live for. Oh, my goodness. There's still another credit card. Next. This is insane. You got premium and then you also a fico. You're paying for fico. Score credit card. It's free, dude. It's fine. Oh, okay. Yep, yep, yep. Annual membership fee right there. And then you've also had about the late fee every single month this year. So it's just like, hahaha, I'm giving up. I'm giving up. Are you like. Because again, I don't have anything to latch onto for you as a reason to be like, let's go ahead and change for this. But you've given up. There's nothing here. I can't do anything for you if you're just gone. Oh, buddy, it's the. The Amex. What have you done to your life? $20,221.72. You get disability for the rest of your life forever. And yet you've thrown away free money, free college, all that military benefits and getting houses, all that. You're just throwing it away to swipe on credit cards. What a joke, man. You owe $20,221.72 on here. Minimal depayment. No wonder you can't afford life. $501.81 interest, 153.53 that month alone. Then $39 to 5 fees. Let me guess, Late.

[B]

Yeah.

[A]

What a joke. How. How would you get this? How'd you rack this all the way up? Yeah, it's a late payment shocker. Oh. Yep.

[B]

And that's a personal loan.

[A]

What the amer. Oh, it is a personal loan. American Express personal loan. Why? For what?

[B]

Originally, the. The loans were to consolidate my debt.

[A]

You just bragged at the beginning how you didn't go through bankruptcy. You basically did the. The other thing. The. What a joke. Go on, keep talking.

[B]

No, originally I had all of my cards paid off at zero except for two. The two Navy Federal credit cards. This is right before the divorce essentially started happening and all this other bullshit.

[A]

Ladies and gentlemen, I'm gonna say this to you because I don't think saying it to him will matter, because I think that this is done if we're being completely honest. But do not consolidate any debt or go through bankruptcy until you have proven you've changed your behavior. And living in a budget, living within your means for at least six months because then you'll end up right back here. You can use our budgeting app and take our budgeting course and all that to help you get to that level if you're not there yet. But my, what a golden example of how to everything be honest.

[B]

Dude, I don't know what the happened when I left the military.

[A]

I do. You spent well, yes.

[B]

But here, let me tell you how bad it's gotten. When I left the military in 2016, I had $1,000 in credit card debt and I had $10,000 savings. I've gone from that to this.

[A]

And yet you have no reason in your life to. To change it. And you have no ability of self reflection or care. And that's what scares me more than these numbers. A SOFI personal loan, too?

[B]

Yeah.

[A]

Is this another consolidation?

[B]

It was supposed to consolidate the two Navy federal credit cards because the payment was actually more on the cards.

[A]

That's a 12.76% interest rate. You owe 19,691. What the. Is this piece of dog do? Scheduled monthly payment is 1427.

[B]

Yes.

[A]

Oh, what the. What the.

[B]

Part of the reason I'm here. Because I don't know what the. Anymore. I really don't. And it hurts. You know it hurts. It might not look like. It might just be like I'm scoofing off, laughing, coping with the laugh. But it hurts, dude. Like, I have never been this financially unstable.

[A]

I've.

[B]

I'll give.

[A]

When were these taken out, these consolidations, and the cards brought to zero? When was this?

[B]

Right before my wife asked. Right before I filed for divorce and my wife decided to.

[A]

The end of last year.

[B]

Yes.

[A]

So this all got up within five, six months.

[B]

Well, one of.

[A]

What are you?

[B]

Someone who went from being relatively stable and on track to paying off.

[A]

Sorry. Oh, dude. Dude, I don't know.

[B]

So the SOFI loan was taken out last August, buddy.

[A]

It's okay.

[B]

The AMEX card.

[A]

Look what you've done in a year, even just less than a year. I'm done. Type in your address. The audience won't know. Type in your address.

[B]

That's fine.

[A]

Of the house that I'm looking at. This mortgage.

[B]

Yes. Yes, yes, yes. This episode is brought to you by LifeLock. Between two factor authentication, strong passwords, and a VPN, you try to be in control of how your info is protected. But many other places also have it, and they might not be as careful. That's why LifeLock monitors hundreds of millions.

[A]

Of data points a second for threats.

[B]

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[A]

Your mortgage is 1726 05.

[B]

Yes.

[A]

And you owe $304,493.91 at a 4.5% interest rate. Okay. It's only worth 320,000. So if you sold this today, you would likely have to offer up money.

[B]

Yes. There's no equity whatsoever.

[A]

A little bit. But after costs and everything and commissions and bull. Yeah, you'd be done. You'd be underwater. So this is not a good housing situation. The interest rate's great, but how do you afford a new roof if something happens or a leak or a H vac system or really any million things that can happen with a house.

[B]

I'm currently looking for roommates.

[A]

Yeah, that's a minimum. That's a minimum, buddy. That's a minimum. And I can account $13. What? Is that it? I didn't see anything else. Oh, this is the safe. What is this? Yeah, yeah, Chase. 13 hours. 146 in this Navy. Federal Utilities and Zelling. Zelling. Best Bike, Best Buy. Not even the Best Buy car. This is Best Buy.

[B]

They didn't give you my SOFI checking account.

[A]

You can pull it up.

[B]

My attacks are just.

[A]

They missed it.

[B]

My taxes just hit. Which is a good thing.

[A]

If that's it, listen. And it's gonna just go completely away. And even if it goes towards the debt and not towards the debt will be brought back up because look what you've done. Okay. Couple thousand in here. It's because the taxes came in. Yeah, that's why. Bills, bills, bills. Yeah, this is bills.

[B]

Great.

[A]

So all our spending's on credit cards. So it's the opposite of. Here's the thing, dude, let's just be honest. If I added up all these minimum payments, it doesn't work.

[B]

No, it doesn't. Especially with income.

[A]

So here's the thing. A budget isn't what's necessary because I can budget and then you'll be underwater. It's like, okay, there's a few things. One, you just need to go pick up three more part time jobs.

[B]

Like Dave Ramsey says, I both have a debt problem and an income problem.

[A]

Hush now, Hush now. You need to go pick up a million part time jobs until the sale of the job starts, we're not going to hire you. And you need to prove to yourself that you are able to live within a budget and make just your minimum payments or just let some of the minimum payments go. Honestly, just let them not be paid a little bit and get some late fees. Get some late payments, hit that credit. Or prove to yourself that you can budget for about three to six months and then go through bankruptcy. If you can prove that you're able to budget, manage your finances and actually maintain life in A reasonable, disciplined way you can go through bankruptcy. That's what I would do if I were you. And you're going to go make all the income you can now working a million different jobs until this other job starts. Live within your means there. Prove that you can budget. Show me when you come back on the financial audit follow up channel and then go through bankruptcy. Because you're never gonna like this. The amount of income you would need to earn to get into this situation, like at a minimum, I would call the banks and just be like, hey, you know, I'm, I'm. Please, please, please. They'll bring the interest rates down to like 15%. Some will even bring it down to like 5%, 1%, 0%. Then they'll close the cards. But that at least helps with these minimum payments. I don't know how the you can afford them. Even your $63,000 a year job, it's going to be tight. It's going to be hard. Yes. Bring in roommates. Bankruptcy might be a play here. So you brag about no bankruptcy. It's honestly what I would do. But you have to prove that you're not going to end up right in this position again, just like you did after your consolidation. Because if you go through bankruptcy and you didn't change your behavior, I will be seeing you on the show in an identical situation in a year or two. Okay? Now, ladies and gentlemen, I am going to make the Hammer Financial score. But I will say there's something he didn't want to talk about in front of the paywall for the post show because there's hundreds of thousands of people watching this. But in the post show we are going to talk about some juicy drama. So make sure you join that Hammer Elite is the best YouTube membership in the history of the platform. The platform themselves has said that consider joining. Really help support the channel. Thousands of hours of extra content. But your Hammer Financial score, You're lucky you have a house. Spending in a budget, easily overspent. You weren't making payments. It was ridiculous. Debt missing payments, 0 out of 10 surrender season payments. That doesn't make sense. First time I've given a 0 out of 10 without IRS debt or anything or collections. But that's horrible. Emergency, emergency fund a couple thousand in your checking. I'll give you a 2 out of 10 there. It's just because your tax return just hit retirement. I mean you got the disability thing's interesting. You have anything to tsp?

[B]

I have a thousand dollars with trash.

[A]

Okay, I'll give you a 1 out of 10 real estate can't just go sell it today, so it's not a great situation. But at least you're in there with a low rate. 4 out of 10. That's the only thing that's going to give you any semblance of a score. So that's going to be a Hammer Financial score. Just rounded up to 1.5. Ladies and gentlemen, join us for the Post Show. It's going to be really good. And don't forget, download the budgeting app. Make everything automated. Make your life a lot easier. Sign up for the annual version. I'll send you our cookbook and budgeting notebook that can't be purchased anywhere else. Signed by me, mailed directly to you. Join us in the Post Show. I am going to lovingly read you for filth right now and tell a bit of the story that we could not tell.

[B]

Just like, hey, it's my last day here, but you're here for another month. I've noticed that some days you wear your ring, some days you don't. You want to talk?

[A]

It sounds like she was waiting to pounce. The second that you were out of.

[B]

A marriage, she cast this me another girl cheating. Whatever you want to call it, cheating.

[A]

Cheating Elusive Members Content Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.