Loser Freak Wants To Sleep With His Students | Financial Audit

Summary

Financial Audit Podcast Summary

Episode Title: Loser Freak Wants To Sleep With His Students | Financial Audit
Host: Caleb Hammer
Guest: Xander
Release Date: October 29, 2025

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Episode Overview

This episode delves into the tumultuous financial life of Xander, a 26-year-old car salesman from Houston, Texas. Xander's motivation for appearing on the show is as messy as his finances: getting "revenge" on his ex by pulling his life together. The episode is a whirlwind tour of deeply flawed financial decisions, high-interest debt, gambling addiction, fraught friendships, and a few jaw-dropping personal stories. Host Caleb Hammer pulls no punches, delivering a mix of blunt advice, dark humor, and pointed questions as he untangles the web of Xander's choices.

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Key Discussion Points & Insights

1. Motivation: Revenge on an Ex (01:05–08:57)

• Xander's initial motivation for coming on the show is personal: "I am here to get revenge on my ex." (01:05)
• The “revenge” is twofold: first, he’s now sleeping with his ex’s ex; second, he wants to get his finances together simply to outshine his former partner.
• Caleb needles Xander for seeking self-improvement for petty reasons:
  Caleb: “So we’re here to fix your finances so that you can be like, look what you missed.” (01:12)
• Xander details a tangled web of relationships in Houston’s gay community—complete with infidelity, secrets, and even a live on-show strategy session about whether to contact the ex for extra drama.

2. Income & Employment Instability (02:02–05:50)

• Career Path: Former car salesman (2021–2024), admissions job at a school (briefly, fired after a medical leave), now back to car sales.
• Xander works on commission only, with a $3,000/month “draw” (advance on commission). He hasn’t beaten his draw since returning.
  • "I'm hitting about eleven hundred dollars every two weeks. So it's about 22 [hundred a month]." (04:58)
  • After taxes and deductions, Xander nets less than $30,000/year.
• Xander is also attending school full-time for accounting, supported by a VA benefit.

3. Personal Life & Living Situation (20:33–24:17)

• Xander currently lives in a one-bedroom apartment with two friends (one recently unemployed), plus a cat he isn’t supposed to have ("two people moved into a one bedroom with you?" (20:35)).
• The friends contribute $300/month toward rent, but this is well below market value and a source of ongoing tension ("Are they leeching a little bit?" (24:08)).

4. Debt Catastrophe: Cars and Loans (25:00–44:22)

• Total Debt: Around $168,000, none from owning a home.
• Car Situation: Has two car loans
  • Chevy Silverado pickup: Owes $60k+, heavily underwater, $1,115/mo payment.
  • Kia Niro hybrid: Owes $23k+, 10.99% APR, $555/mo payment.
  • 76% of his net income goes straight to car payments.
  • Caleb: "That is $1,671.04. Divide that by the 22 you make. 76% of your income goes to your minimum monthly payments in your car." (41:36)
• Caleb presses the issue that Xander’s car debt is unsustainable and recommends selling or even surrendering one vehicle.

5. Credit, Loans, and Gambling Addiction (52:06–87:25)

• Cash Advances: Xander has taken out thousands in high-fee cash advances (2.5k+ with $260 in fees) to cover compulsive gambling losses.
  • Caleb: "Never even seen that on this show. $260 of fees. Oh, dude. Why?" (52:17)
  • Xander: "I needed money to gamble." (52:20)
• Gambling: Online slots are his vice, losing $1,000-2,000/month at peak, still losing $500+ recently.
  • Caleb: "That is substantial money. When making 2200. That is not substantial. Still. That is still literally 23% of your income that went to slots." (56:52)
• Multiple High-Interest Loans: Upstart, NetCredit, quick cash loans—some with 26–36% APR, creating a cycle of consolidations and re-borrowing just to cover living costs and other debt.
• Credit Cards: Most maxed out, with balances of $1,000–$2,000 at high interest rates.
• Medical Debt: Put directly on credit cards rather than affordable payment plans.

6. Spending Habits: Eating Out, Subscriptions, and More Gambling (47:37–86:17)

• Eating Out:
  • Spent over $1,000 on fast food/restaurant meals last month.
  • Despite dire financial straits, continues to buy snacks, energy drinks, and unnecessary meals.
• Miscellaneous Spending: Pokemon cards, online collectibles, video games, more gambling.
• Caleb: "You’re putting minimum payments on credit cards, yet you’re spending this much on [fast food]. That’s unacceptable. That is disgusting. That is horrendous and unacceptable." (82:47)

7. Failed Solutions & Bankruptcy (87:25–92:42)

• Xander tried debt consolidation previously but immediately built the debt back up due to no change in spending behavior.
• Discusses using a debt relief program but would require letting credit cards and loans go to collections.
• Caleb's Recommendation: File for bankruptcy after showing behavior change for a few months, and pursue a voluntary repossession of the surplus car once a job closer to home is secured.
  • “You need a fresh start, and it’s the time. But you need to change your behavior for a minimum two months before you do that.” (92:38)

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Notable Quotes & Moments (w/ Timestamps)

• On Motivation:
  Caleb (01:12): “So we’re here to fix your finances so that you can be like, look what you missed.”
  Xander (01:28): “I’ve already got revenge in one way, so now I’m trying to get revenge in another way.”
  Caleb (08:58): "Sleep with Brandon...then you pass it to the ex, and then all of a sudden, the ex has gonorrhea and chlamydia. It’s incredible. What a prank."

• On Car Debt:
  Caleb (41:36): “That is $1,671.04. Divide that by the 22 you make. 76% of your income goes to your minimum monthly payments in your car.” Caleb (28:06): “Yeah, really great deal. You owe $60,724.55 making 22. You make 24,000 hours a year outside of what you get with the VA because your dad…That's a good deal?”

• On Gambling Addiction:
  Caleb (52:17): "Never even seen that on this show. $260 of fees. Oh, dude. Why?" Xander (52:20): "I needed money to gamble." Caleb (56:52): “That is money. That is substantial money. When making 2200. That is not substantial. Still. That is still literally 23% of your income that went to slots.”

• On Spending Habits:
  Caleb (47:37): “What did you spend going out to eat last month?”
  Xander: "350."
  Caleb: "It was a thousand. It was over a thousand hours. Almost a thousand one hundred going out to you." Caleb (86:25): “That was…was that in July, right?”
  Xander: “Yes, last month. This is. This is insane. Oh, another 99.99. Okay. We're easily over a thousand.”

• On Living Situation:
  Caleb (20:35): “Two people moved into a one bedroom with you?"
  Xander: "Yeah. So there's three of us."

• On Debt Management:
  Caleb (91:44): “Well, the hard part with the Silverado is just. It’s not just my credit. I was signed on it. Trust me. I thought about letting it go, but I can’t do that to. Even though we don’t talk, I still won’t do it.” Caleb (92:38): “…you need a fresh start, and it’s the time. But you need to change your behavior for a minimum two months before you do that…”

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Timestamps for Major Segments

• 01:05–08:57: Motivation and personal life drama
• 09:00–20:33: Career, income, attending school
• 20:33–24:17: Living situation, enabling friends, household tension
• 25:00–44:22: Debt breakdown, car loans, unsustainable expenses
• 47:37–50:00: Eating out and food spending
• 52:06–56:52: Gambling addiction, cash advances
• 60:00–67:04: Loan stacking, credit cards, failed debt management attempts
• 82:47–87:25: Checking account review, lifestyle inflation, more gambling
• 87:25–92:42: Bankruptcy discussion, path forward
• 94:03–End: Messy postscript, “behind the paywall” teasers

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Noteworthy Moments

• Live Confrontation: Xander calls his roommate on the show to request they contribute more to groceries—a rare real-time intervention (49:29–50:36).
• Financial Score: Xander’s Hammer Financial Score is a devastating 0.5 out of 10 (93:08).
• Unique Messiness: Caleb describes it as “one of the craziest accounts I’ve ever seen.” (59:40)
• Shocking Admission: Xander admits to gambling away $1,000+ on slots in a single month—while living on the edge financially (56:29).

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Conclusion & Tone

The episode is a wild ride, blending Caleb’s signature mix of sharp analysis and irreverent humor with Xander’s refreshingly candid (if self-destructive) admissions. Every aspect, from the endless cycle of debt to the tangled web of personal relationships, reinforces the episode’s core lesson: no amount of sticking plaster can solve a fundamentally unsustainable lifestyle. Financial improvement—no matter the motivation—will require hard, non-negotiable changes.

Final word, Caleb:
“You need a fresh start, and it’s the time. But you need to change your behavior for a minimum two months before you do that.” (92:38)

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Hammer Financial Score: 0.5/10

Postscript:
A promise of more messy revelations behind the paywall, including possible further drama between Xander and his leeching roommates.

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Transcript

[A]

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[B]

I am here to get revenge on my ex.

[A]

So we're here to fix your finances so that you can be like, look what you missed.

[B]

I've already got revenge in one way, so now I'm trying to get revenge in another way.

[A]

What the does that even mean? It accrues 11% a month? Yeah, it's a stable a month, not a year. And then broken down month by month.

[B]

No, it's not.

[A]

It is 11% a month. What the you did in cash advances? Never even seen that on this show.

[B]

I needed money to gamble.

[A]

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[B]

I'm Xander. I'm from Houston, Texas and this is Financial Audit.

[A]

And how old are you, Xander?

[B]

I am 26.

[A]

Perfect. What do you do for a living in Houston, Texas?

[B]

Currently, I am a car salesperson.

[A]

Okay. Yeah. Houston Drivable city. It's the only way to get around. It's a horrible place to live. It's only a highway. I get it. You probably do well. Do you do well?

[B]

I do. Okay. I don't. I wouldn't say that I'm doing well. I'm getting back adjusted to it, but I'm definitely doing okay.

[A]

Okay. And what's okay? What's hidden in your account? What are we talking? What's the money.

[B]

So I'm paid purely as commission. I don't make a salary. And it is essentially I get a prepayment every month of my commission check, called a draw check, which is $3,000 a month before taxes, before insurance, and I have not surpassed that since I've gotten back into the car business.

[A]

Why? Well, how long have you been back in?

[B]

I got fired from my last job in June and I came back in July.

[A]

To the same job?

[B]

No, different job, different field.

[A]

Why did you get fired for? Oh, from a different field. What was it?

[B]

I was a. So I was in car sales in 21 until 2024, and then I went and worked for a school and admissions from December until June.

[A]

How do you get fired from admissions where you're not admitting enough people? Did you a student?

[B]

I don't do that, but I didn't.

[A]

What? Sure.

[B]

I was. I was a good noodle, you know.

[A]

Oh, I know you like a good noodle, that's for sure.

[B]

So essentially in May, I had surgery and then they ripped me on that. They said that I did not perform that week well enough. And then I went back to work the week after.

[A]

Okay, what was your surgery? So they minors and majors.

[B]

So I had surgery at the base of my spine. There were cysts that were growing their pilonidal cysts and they were worried that the multitude of them was something more serious. They went in. I'd love to. They're painful, essentially. Imagine that you're like your butt crackers can't close.

[A]

No, thank you. I would not like to imagine that. Yeah, okay.

[B]

They wrote me up for it. Said that I didn't perform well enough that week. And then.

[A]

So you got fired for not being able to close your butthole?

[B]

Essentially. And then the following.

[A]

Fire someone for that as nasty.

[B]

I mean, essentially, if you know that. If I was in that line though, this line of work, maybe, but maybe not if I'm sitting at a desk all day.

[A]

Okay, so you got fired and went right back into car sales. Were you doing well in car sales before?

[B]

I was doing okay in car sales. I was beating my draw like I was making a decent living. But I was also in Houston.

[A]

We're talking ranging from 55 to 60 a year is what people are making in car sales on.

[B]

It's about what I was making average, about 5,000.

[A]

You're not meaning your draw. What are you having to. Are you accumulating a debt or is this a draw that breaks? Cuts even.

[B]

It cuts even. So if I don't break the Draw, then I just get paid. It essentially meets minimum wage.

[A]

Okay, so you're hitting three. Well, what hits your account? Because you said that's before all the goodies.

[B]

Yeah. So I'm hitting about eleven hundred dollars every two weeks. So it's about 22.

[A]

How are you doing on 22, big guy? That's kind of not wonderful.

[B]

No, it's not great. Essentially, I didn't really want to go back into car sales when I went back into it, but sure not.

[A]

Remind me, how many months has it been?

[B]

Three.

[A]

Okay. Yeah. You're literally making less than $30,000 a year net in the fourth largest city in the United States. That's not. Not great.

[B]

No, it's. It's not. Essentially, beforehand, at the old job, I was making anywhere from, you know, four to six thousand dollars a month. Oh, it's just a little bit, but that was consistent. I was an hourly and so, like, good. It was better than what I was making before.

[A]

Okay, what's. What are you trying to do now? Is this. This has the feeling of temporary, just to try to survive. Like, what are we. What are we doing?

[B]

So I'm in school. I'm getting my accounting degree. You're in school? Yes, I'm in school full time as well.

[A]

Accounting degree. I'll get you accounting certification course careers as well. A lot of people out there have used it, and that has got them good jobs.

[B]

Yep. I have my associates. In the end of this semester, I'll have my first part, and then I want to go back to my bachelor's and get it in business administration.

[A]

I mean, that's pretty good. But that means you must not be working a ton.

[B]

I'm working full time doing both. I got fully online for school.

[A]

Okay, so what are we talking about today? What's going on?

[B]

I am here to get revenge on my ex.

[A]

Get revenge on your ex?

[B]

Absolutely.

[A]

Are you about to call him names?

[B]

I want to put myself in this, like, really good situation so that he can see that he's missing out on everything.

[A]

Oh, so we're here to fix your finances so that you can be like, look what you missed.

[B]

Absolutely.

[A]

Oh, well, if you're on this show, he should be glad that he's missing. No offense.

[B]

Well, his finances are definitely worse than mine, so no way.

[A]

Why is he not on the show? Because, listen, you have to honestly be a part of the worst of the worst of the worst finances in the United States of America to get approved to be on the show. Just going to let you know.

[B]

Yeah, no, my Finances are not great by any means when it comes to the decisions I've made. However.

[A]

Why are you trying to get revenge?

[B]

Because the entire time that we were seeing each other, then was told that we weren't dating. I was just a friend. He was cheating on his boyfriend with me.

[A]

The gays, we love them. Big fan of the gays. I've.

[B]

That makes one of us.

[A]

Yeah. Well, you're a. You're a gay. I'm a fat. You're a fat. I'm a cub cup. Yes. As we established. That is true. We make fun of everyone here. I don't give a. But. Yeah. Okay, so. Well, that's weird. Usually gays are able to. And I say that in the most loving way possible. Each other constantly. And they usually stay together.

[B]

Yes. So the whole situation kind of. They were open when we originally started messing around and started, like, talking, and then whenever, everything kind of shifted. They closed their relationship after Pride. And he lied to me the entire time saying they were still open until August.

[A]

Oh, maybe he liked the degeneracy of it.

[B]

So they were monogamous from.

[A]

Wait until this August. So this just happened?

[B]

This just happened.

[A]

This just happened.

[B]

Yep.

[A]

So that's why you're here. Okay.

[B]

I've already got revenge in one way, so now I'm trying to get revenge in another way.

[A]

What's the first way I have to know?

[B]

Me and his ex are now sleeping together.

[A]

Does he know?

[B]

He does now.

[A]

Now. With this.

[B]

With this. Yeah. Someone may or may not have said that they would send him the link to it.

[A]

Beast. This is crazy. No.

[B]

Yes.

[A]

You offered to text the ex with a link to the episode.

[B]

Yes, she did.

[A]

Oh, Lindsay did. This is messy. And I love it. I love it, I love it. This is crazy. You know what you should do? Can I give you the ultimate revenge strategy?

[B]

Absolutely.

[A]

Sleep with Brandon. Right now. He has got. He has gonorrhea, chlamydia, all the good stuff. So. And then you pass it to the ex, and then the. No, no. You pass it to the ex's boyfriend, and then the boyfriend passes it to the ex, and then all of a sudden, the ex has gonorrhea and chlamydia. It's incredible. What a prank.

[B]

Yeah. No, no, thank you.

[A]

Okay.

[B]

As much fun as that would be. We. We both just recently got tested and we're both clean. And I. I ain't messing around with that again. Because it also turns out that we were not the only ones that he was sleeping with. It turns out he was sleeping with other People too.

[A]

But they're still together.

[B]

No, they're not. They broke up in August. And that's so the whole tee on that is that they broke up. We went to a birth. His birthday party. The main guy's birthday party for all intents and purposes. He took us all out to for his birthday. We went to like a Korean barbecue place. He brought his ex with him that they had recently already broken up. Like it might be easier if I like write this down. Can I see?

[A]

Oh, he wants to draw.

[B]

Yeah.

[A]

The gays are artists at heart.

[B]

Not that kind. So we all went to dinner and then his. They broke up in August. Right. So in August they were done.

[A]

Was anyone eating ice cubes at dinner?

[B]

No, because I am on fiber pills so I don't have to do that. I actually eat food before and after.

[A]

Well done.

[B]

Yep. So they broke up in August. And let's say this is my friend over here. Sure. That works. This is my friend.

[A]

Looks like me. If you think you see the man in this sketch, they want you to call the police tips hotline. That number.

[B]

Sure. For all intents and purposes, this is Caleb. And Caleb knew the whole situation between me and Marcus. So we'll make him look like a dead person. So then he knew everything about this. And then the whole time that I was with Marcus, he was with Steve from Minecraft. No. Ew. I'm not into you.

[A]

Like a sassy bottom.

[B]

No, I am a bottom. So I'd rather not be with the bottom.

[A]

I. We can touch.

[B]

I mean they make those, you know, double sided ones. But I'm good. I'd rather have the real thing. So then this is Steve. He was with Steve. And then there's me down here. We'll put me a smile because I'm.

[A]

Happy running a train on you.

[B]

I mean, wouldn't be the first one. So this whole time Marcus was with me, but he was also with Steve. Whoops. Caleb knew that we were a thing. When they broke up, Caleb and Steve became friends and Caleb realized none of the timelines matched up. So then Caleb got me involved and then we became friends. And once we became friends, I kind of invited him out to go get Boba. And then I was like, hey, by the way, I have something really terrible to tell you. And then told him everything. The fact that, well, that's when we're having Boba.

[A]

Yeah.

[B]

Yeah. So and then ever since we became friends and then in a more recent development over the last like three weeks we've been.

[A]

See a picture.

[B]

Yes, you absolutely can see a picture.

[A]

Lindsay requested for me to see the picture, by the way. I just want to. I want to throw that out here. And the Marcus, the one we're trying to get revenge on by fixing our finances.

[B]

Absolutely.

[A]

Out of all the motivations for someone to fix their finances on the show, this one might be what gets someone to the finish line.

[B]

I'm a. If. If.

[A]

If. If. If gay couples are the ones that break up the least, why are we never getting gay? Male cup. Okay. Yeah. All right. So Latina. Buff. Latina, sure. Latino. Sorry.

[B]

Latino. Latino, baddie.

[A]

Latino baddie.

[B]

Okay.

[A]

We never get the gay guy couples. We get the gay women couples, which is just gay. Like, where's. Where's the dudes?

[B]

Probably.

[A]

Probably. Okay, so what are. What. What is wrong with your finances right now? Like, why. Why are we in this situation where you'd be ashamed. Could be ashamed. Happy to not be with you, essentially.

[B]

So. And also, I do want to point out his finances are much worse than mine because he, instead of taking his mom, pulled out a whole bunch of, like, credit cards and debt in his name when he was, like, younger. And instead of actually, like, fighting any of it, he's just like, oh, I'll just pay it then. And so he's probably, like, $300,000 in debt just from his mom. She just kept pulling out credit cards and loans and vehicles and stuff in his name and just stopped paying them.

[A]

This is a finance show, but do you want to be messy real quick?

[B]

I always want to be messy.

[A]

You want to call Marcus?

[B]

I would if I had still had his number.

[A]

Oh, how do you not have it?

[B]

After everything kind of hit the fan, he was repairing relationships with everybody else and kind of left me off as the mistress on the side. So I went through, and I deleted all of our text messages, all of our pictures, everything.

[A]

How can we get it? Someone probably has it. How can we get it? You want to get it?

[B]

I could.

[A]

And then I think we call them on the show and you tell them how you're actually getting your shit together. And then at the end drop a. Oh, by the way, I'm.

[B]

Yeah.

[A]

You want to. Yeah, that could be fun. You want to text and get that number? Yeah, we'll get in the finances and wait for the response. We're gonna get. We're gonna get.

[B]

Whoa.

[A]

We're gonna get messy. We're gonna get messy. Oh, I can't wait.

[B]

I just asked for it.

[A]

Oh, so you also do doordash on the side right now?

[B]

Yes, I do.

[A]

Okay, well, how many are. So if we're doing school what, 40 hours a week and we're doing car dealership 40 hours a week, is that correct?

[B]

Car dealership's more than 40 hours a week, but yeah.

[A]

How many hours are we doing into doordash?

[B]

So I would. So the way that I do that is I focus on my homework on Sundays and on Wednesdays which are my day is off. And then I work Monday, Tuesday, Thursday, Friday, Saturday. And then after work every day I would dash. So if I work 9 to 6, I would dash from 6:30 to 11.

[A]

So how many hours are we getting in? Dashing.

[B]

So when I'm dashing I normally will do two hours, three days a week. So six hours plus another like eight. So anywhere of like 14 to 20 hours a week depending on.

[A]

Okay. And what's coming in with that now? Obviously gas, maintenance, all that is higher. Are you taking that into account when you calculate how much you're bringing home?

[B]

Yes.

[A]

Okay, then what would you say you bring home after all that?

[B]

After gas and everything? I'm probably, and I've not put aside much when it comes to taxes because I just started doing this, I would say probably somewhere like 3 to 400amonth, which is just a little bit essentially I do it.

[A]

I was call it three to be conservative. Especially after taxes.

[B]

Yeah.

[A]

So that still only brings us to.

[B]

$2,500 a month while I'm in school.

[A]

Is that what Xander's going to be? Oh, not Xander. Zach. What was that? No, you're Xander. But what the was his name? Marcus. Marcus. Marcus. Gonna be all jealous about two $500 a month.

[B]

So no.

[A]

Are you paying for school?

[B]

So my dad was a veteran, so my school is paid for by the.

[A]

That's nice.

[B]

Thanks.

[A]

That's still taking obviously time away, but you're going into a good career field. I am happy to hear that. You're gonna have a lot of flexibility there into the different jobs you're doing. You're starting that kind of late. What were we trying to do this whole time?

[B]

So. And there's also more income too, cuz I get paid VA GI bill, chapter 35 every month.

[A]

What are you bringing in with that?

[B]

Fifteen hundred dollars a month while I'm in school.

[A]

Okay, so total then we're at least up to four.

[B]

Yeah.

[A]

Okay. Four thousand is much more survival. That makes sense. So why are you then?

[B]

Honestly, months I'm not in school hurts cuz I. I don't do summer courses.

[A]

Why not then?

[B]

Because my classes aren't available. Over the summer at the school that I'm at.

[A]

How many credit hours do you have to be in school in order to do that? Can you take gen ads that you must complete?

[B]

My gen eds I completed back in 2016, so I don't have gen ed's left to complete. I went to school for music performance when I first left high school. I know, so dumb.

[A]

I did composition.

[B]

Yes.

[A]

What did you play?

[B]

I sang. I was a vocal music performance major.

[A]

Oh yeah. Real gay.

[B]

Very musical theater too.

[A]

Oh yeah. Rapid Hamilton.

[B]

Oh no. I actually haven't seen Hamilton yet though.

[A]

The months are you seeing all this stems from literally the months are not in school.

[B]

So that job transitions were hurting me to moves. I've moved across Texas three times in the last four years. What's across Texas Into El Paso? Oh, actually across Texas, I did.

[A]

Why?

[B]

So I was a content creator, and during COVID I turned my stimulus check into like playing video games for a living. And I did that for a year and a half.

[A]

Did you actually make a living? How much?

[B]

It would depend on the month, but I was making like about the same as what I made from the school, about four to five thousand dollars a month.

[A]

Why'd you stop? What happened?

[B]

It dried up pretty heavy after Covid. I didn't have the huge following.

[A]

Yeah, those who couldn't make the transition between Covid content creation. Post Covid content creation got. Luckily I started afterwards. So I got lucky. I didn't have to try to do that transition. What was the game I was playing?

[B]

Apex Legends.

[A]

Yeah, and I'm sure people also moved on from that as well. And you kind of have to keep moving on to whatever the big game is, right?

[B]

Absolutely. So I was. I didn't. I didn't switch at all. I played Apex. I was actually nationally ranked at one point for Apex Legends, which helped boost my content. But then after Covid ended, I couldn't do it anymore. And my best friend was pregnant in El Paso and she wanted to me to move out there and sell cars for her husband. So that's what I did.

[A]

Okay. How long were you there? Was it a cost to move? Because again, you could just sell everything and move your car. Dude, when it cost me to move down to Austin from Michigan, much bigger move. I just told everything, packed up my sedan. It probably cost me like a few hundred bucks.

[B]

Yeah, that's what I did when I left South Dakota, when I was living there. I moved back to Texas in 2016 or 20. Excuse me, 2018. And when I did that, I sold Everything packed up my little Chevy Impala 2007 and drove all the way back to Texas. But when I moved to El Paso, I was living at home at the time, during COVID and then moved out on my own again. So deposit, rent, all that kind of stuff was more than I expected. And then. So that's kind of where it started. And then getting adjusted to sales life was not easy. That became like the hardest part because I wasn't beating draw when I first got in the business either. So I was like, nice.

[A]

You're getting draw that you don't have to pay back because there are sales positions where you have to pay back.

[B]

Yeah, I'm very lucky that I don't need it.

[A]

I forgot what that's called. It's the other kind of draw. There's two different kinds, but either way. Okay, so we're gonna jump into these numbers, but is there anything else weird going on?

[B]

So when it comes to that, yeah, I've got a situation going on at home that's not great. I let my friend move in. It was supposed to only be him and his boyfriend to sometimes stay. Like if he wanted to stay with him one night, that's fine.

[A]

How many bedrooms?

[B]

I have a one bedroom.

[A]

This episode is brought to you by Rumchata, A delicious creamy blend of horchata with rum. It's best enjoyed over ice or in your coffee. Delivering vacation vibes any way or anywhere you drink it. Find out [e-mail] Drink responsibly. Caribbean rum with real dairy cream, natural and artificial flavors. Alcohol 13.75% by volume, 27.5 proof. Copyright 2025 Agave Loco Brands, Pojoaquee, Wisconsin. All rights reserved.

[B]

They're sleeping on a couch.

[A]

Two people moved into a one bedroom with you?

[B]

Yeah. So there's three of us.

[A]

What the. Why'd they move in? Is that not a temporary move? You'd think it is with one bedroom.

[B]

It was supposed to be tempor. They were supposed to be out beginning of August or. I'm sorry, September.

[A]

Okay, well, we're at the end.

[B]

Yes.

[A]

So what are they contributing to rent?

[B]

$300 a month since they've been there. 1450. Yep.

[A]

Why are they still there if they're. How long have they been there?

[B]

August 1st is when there was one of them.

[A]

One month. It was supposed to be.

[B]

Yep. It was supposed only be the one.

[A]

Why have they extended. Why they move in in the first place?

[B]

They moved in because their apartment had a leak. So they were moving from one lease to the next lease. And there wasn't another apartment ready for them at that place. So they was like, hey, I just need a place to stay for a month while they're getting my next place ready. Hopefully it won't be that long. Turned out. No, it was. It's been almost two months now.

[A]

Now what?

[B]

Well, he got fired from his job that he was at. So he.

[A]

You want him gone? Yes, but he got fired. Why did he get fired?

[B]

Automotive industry. He was a manager, so management in automotive comes and goes very quickly. So they let him go from that one. He's found another job, but now it's just getting everything in line for him to leave. Well, be able to. Here's hoping because I'm kidding. I'm tired of it.

[A]

Oh, they moved in with a cat. And you're worried about getting evicted if they find out?

[B]

Yes.

[A]

Oh, that's a possibility.

[B]

Yes.

[A]

You can't just pay like a cat fee.

[B]

I could pay a cat fee if they find the cat, But I'm also worried about the fact that I have two people living in an apartment they're not on the lease on. And for them to find out that. And then also the fact I have a cat that I'm not supposed to have, that it could end up getting me evicted from my place. And with my finances the way that they are, I'm scared of finding another place because I live in a pretty nice apartment right now.

[A]

That's hard, man. Why can't the other one contribute to rent a bit more than so they're not working. 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 cosigner 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. Yrefi wants to help you climb out of debt, not push you further into it, check them out at yrefi.com hammer that is Y R E F Y.com hammer or call 8889733 3978. That is 888-973-3978. Break free from the high interest trap and get your finances under control once and for all.

[B]

They.

[A]

What is wrong with everyone in your life? You're surrounded by weirdos, dude.

[B]

Yeah.

[A]

And getting fired or laid off again, that's fair. But the fact that they're not moving out even though they found another job. What? And then the other person's just not working. These sound like leech. Are they leeching a little bit?

[B]

Yeah, I would say so. Like, and one of them is my friend. I've known him since I was in the car business in 21.

[A]

Well, friends are good, but you don't want to enable friends or let them leash because that's not a good friend.

[B]

Yeah, they've depleted. So I had. I worked really hard at building up a stockpile of, like, stuff. So, like, I had laundry detergents and. And stuff like that and food. Like, I had a full pantry and a full freezer of, like, meat.

[A]

That's something people work to build up.

[B]

I saved.

[A]

I've never heard of that.

[B]

I, like, was working to, like, kind of. Okay, save up and not have to buy it all the time.

[A]

Okay, sure.

[B]

And it's gone.

[A]

And it's gone, but it's okay. So you should be able to budget that on a monthly basis. That doesn't need to be all bought. Like.

[B]

But I had, like, three or four months of, like, in case it's a bad month, not having to be able to go get groceries.

[A]

You know, you're hitting your draw every time.

[B]

Yeah, but we'll see.

[A]

How much debt do you have?

[B]

I want to say that I'm somewhere around, like, 168, 000.

[A]

160?

[B]

Yeah.

[A]

That's insane. None of which is a house. I'll say. None of which is a house.

[B]

That was the goal. And then two car loads. Yeah.

[A]

Why do I have two car. Why do you have two car loans?

[B]

I have two vehicles. Why? So my. Why Possibly so the first car is my truck.

[A]

Well, one of them's the first statements. Oh, why do you have two cars?

[B]

Why possibly so I work an hour from where I live, an hour and a half some days depending on traffic.

[A]

For why, dude?

[B]

Because it was what was available for me to find a job right away. I had problems finding jobs before so.

[A]

Are you looking for jobs closer? You better be. What the. I don't know why that means we need two cars, two car payments. So car loans.

[B]

So it's 58 miles for me to drive to work every day. And the truck is an eight cylinder Silverado.

[A]

Get rid of it.

[B]

I can't. I am $21,000 in the hole on that truck when it comes into the truck. I had two vehicles before a friend. I don't learn from my mistakes. I guess because I had a friend live with me.

[A]

Dude, you're a bottom. Why do you have a truck?

[B]

Well, my truck has blue seats on the inside. That way it didn't look like I was gonna hate crime myself when I drove down the street. So the story behind the truck is that I had two cars. I had a Kia Sportage and then there was a lease. And then I had a Nissan Versa that was a purchase. And I drove the Nissan Versa when I would come home. That way I didn't put mileage on the lease. Well, my friend moved in with me and stayed there. And then he took the Nissan Versa because I was going to move home back to Houston and when I ever he took that car, he was making the payments on it. I traded my Kia in for a Cadillac lease that I was working at the dealership at the time. Oh, it lowered my monthly payment. And then so I was leasing that because I was only driving five miles to work. So it made sense at the time. Well, they.

[A]

Boring. Okay, I want to hear more about this. I. I want to get into the statement and then hear the rest of this. But first, please give me where you think your financial score is. 0 to 10. 0 being the worst, 10 being the best.

[B]

0.

[A]

Good. If you want your hammer financial score, take the [e-mail]. see where you stand in the world of finances. It is free. You can see where you're doing well, where you need to improve. And if you don't want to be like a guest who ends up on the show, make sure you download the dollar wise budgeting app. My preferred budgeting app. It's what I actually use in my daily life. Take the free trial. Sign up for an annual version if you want to save a lot of money. And when you do, I will sign and mail my budget friendly cookbook right to your door. Learn [e-mail] or click those links in the description below. Okay. Yeah. Keep, keep going.

[B]

So when that car had so much damage on it and it was a lease, I felt unsafe driving it every day. So I traded it in for that truck.

[A]

You could have got an SUV or something. Trucks are insane.

[B]

I needed the. So that was a service loaner truck. So it had mileage on it when I bought it. So it made it. I ended up getting, like, a really great deal on that truck.

[A]

Yeah, really great deal. You owe $60,724.55 making 22. You make 24,000 hours a year outside of what you get with the VA because your dad. Which is only when you're in school, and that's not gonna last forever. 22, 24,000 hours a year, and you owe $60,724.55. That's a good deal. What are we talking? Good deal? Yeah. You're selling yourself. Car salesmen.

[B]

So I originally financed on that truck. 75,000.

[A]

Why? Because you make it at the time you.

[B]

So that was when it was pretty.

[A]

72 month term.

[B]

Pretty good. Well, it was incentivized, right? Dude.

[A]

Dude, dude. The minimum monthly payment is $1,115, which.

[B]

Is less than it was on my Cadillac.

[A]

What? What was it on your Cadillac? Why'd you need a Cadillac?

[B]

It could. Because the lease was going to get rid of all the negative.

[A]

Less than $30,000.

[B]

Yeah.

[A]

You're underwater by half. More than half. Oh.

[B]

Yep. That truck sits at home outside of the gate.

[A]

Dude, what are we doing? Did you roll negative equity over?

[B]

Yeah.

[A]

How much?

[B]

$24,000 even.

[A]

That hasn't even.

[B]

Yep.

[A]

That doesn't even account for the whole loss you have on it with the.

[B]

Deal I got on the truck, though. Deal.

[A]

You keep saying deal.

[B]

The mileage. Deal. The mileage and rebates on the. And my employee discount on the truck. When I bought it, it did Negate about like $10,000 of that negative equity.

[A]

Buddy, you still got about 7,000 other than what you rolled over.

[B]

Yeah. And that was only because it was the only truck expensive enough that I could roll the negative equity with what we had on the lot. It was only they had enough discount to cover it to keep the.

[A]

There is nothing good here. No matter the cope. There is nothing good. You got the negative equity. You rolled over 25,000. Great. Plus an additional about 6, $7,000 of depreciating equity.

[B]

Yeah.

[A]

This is. What's the interest rate?

[B]

1.9%.

[A]

Well, Alicia got that, but this is still absolutely destroyed. And plus 2200amonth. Half of your income goes to this car.

[B]

Yes.

[A]

A car you couldn't save to save yourself, to save your life. It's impossible.

[B]

No, I can't buy that.

[A]

You can't. You wouldn't know. This is insane.

[B]

Yeah.

[A]

Honestly, if it is still sitting there, it might be worth selling for hopefully 30 and then beating down the other 30 as quick as you can. But not a jury income. I wouldn't know how.

[B]

So the best way that I thinking about doing with that is just making the monthly payment that I have been until it gets to that point. Cuz it's a lot of it's going towards the principal, not the interest since it doesn't have high interest. And then once it gets to that like range, I'm not sure what you're seeing value wise on it.

[A]

It's Kelly blue book, private party. So that's not even trade in. Cuz when I looked at it based on your vin.

[B]

Yeah. When I looked at it at the lot, when I was looking at trading it in for the car that I did buy, but I couldn't roll that much negative over. I was getting about like. Would you look three months ago maybe.

[A]

Okay, well I mean the car market.

[B]

Hasn'T been going great. It does drastically change every month.

[A]

It does?

[B]

Yeah. I was thought. I was thinking I was only like $21,000 in the hole on the truck, dude. But I was just gonna keep paying it down until I got it to the point where I could just sell it to the lot. And it's not driving, it's not gaining any mileage. I was debating putting it on toro, but I figured with the cost of everything, putting it on Toro wouldn't be worth it because it's gonna depreciate even faster than. Plus the insurance. I'd have to hold on. It would be too expensive.

[A]

So I. Dude, this is fucking in every way possible. This is.

[B]

And that truck is co signed by who? My dad.

[A]

Why would he accept this?

[B]

My dad co signed on it because he didn't want me driving the XT5 either. When the airbags didn't deploy. It kind of was really scary. It messed up my backpack.

[A]

I agree. But this.

[B]

So he co signed. He was cosigned on the XT5 as well. Because when I rolled the negative I was. My credit wasn't strong enough by myself to Lisa.

[A]

What does he think of his dad?

[B]

We don't talk all that much anymore. So.

[A]

Why.

[B]

We kind of had a huge falling out.

[A]

What the gay?

[B]

No, I've been out since I was 14.

[A]

Yeah, I was gonna say. You're gay as.

[B]

Yeah, I mean.

[A]

Well. Why'd you fight?

[B]

They didn't come to meet My boyfriend that flew out at the time, okay, we had the whole point of him.

[A]

Coming out because it was gay or because they just were busy or something like that.

[B]

They went. So they were gambling out in Lake Charles. And then when they came back, they were like, oh, we're gonna go dinner now. We had just eaten. They're like. But they kept pressuring me that if we're gonna go out to eat, like, you're gonna pay for it because we're not gonna pay for this meal to meet him. So they were like, oh, we're gonna go now. And they were like, I wasn't gonna pay for a meal that I wasn't gonna eat at. Didn't make any sense. So we didn't meet. And then after that, they kind of went radio silent for the rest of the weekend. He was there. And then when I dropped him off at the airport, I toured the apartment I'm in now, went home, packed all of my shit and used my tax return to move out.

[A]

I think someone just needs to make contact. How long has it been? We don't need to end an entire relationship because of a bad weekend. It was. They weren't very nice. I get it. But we can rebuild.

[B]

Yeah. And we could. There's a lot of other stuff between me and my mom that's just. We're too much alike.

[A]

So.

[B]

We. She's gay. No. Well, I don't think so.

[A]

Okay. Um. I don't like seeing people have damaged relationship with their parents when it doesn't need to be something. Longevity. If there wasn't like abuse or anything.

[B]

It's kind of why we're both petty and neither one of us wants to admit that we're all.

[A]

But you gotta sit and reflect sometimes and be willing to. How long has it been? Wanna know a dirty little secret? And no, I'm not starting an Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollarwise. It shows you exactly where your money's going every single month. Spending subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollarwise Today, you'll get six to try for free, plus three months for just $9.99 so you can finally take control and see what your money's been doing behind your back. Click below to get started.

[B]

March of last Year.

[A]

Ooh. No. Let's try to make a. You haven't and you haven't had a point of contact, big guy. So you're about to make a trade based on a friend's text, but which you do you listen to, is it, we could buy a house in Tulum, get optioning those options. We could lose everything. Or let's do a little research.

[B]

Get your head in the trade and.

[A]

Make the investment decision that's right for you. Learn [e-mail] TradeSmart Come on. I think. I think it's time. Let's just try to be the bigger person. And you probably are.

[B]

Actually, for my mom's weight, she's probably more obese than I am.

[A]

Oh, you said you're similar because her.

[B]

Height, she's like 5 foot 4 and she's like 180 pounds.

[A]

I don't know. I don't know. I wouldn't have a forever relationship destroyed. That's very like Gen Z tiktoker, where it's like someone disagrees with 1% about them and then they will never talk to them again and think they're evil. It's like, it's not a very healthy mentality. It was a weekend. You were not in the wrong. I want to be very clear. They were. They might not apologize, but.

[B]

Yeah, I come to terms with the fact of being on my own. Sure. But it's like, I don't know. I don't know if I want that because.

[A]

Well, it's up to you in the end.

[B]

Yeah.

[A]

I just. I like to. I'd rather see people try to heal relationships than go nuclear.

[B]

Yeah. In the end, maybe once I get my own life in check, then maybe there's going to be room to let other people back in. But everything else going on, especially with the with of it all, it's like I've been kind of like, not emotionally available for anybody. I just don't want to be around anyone besides Steve.

[A]

Are you Steve?

[B]

Oh, yeah.

[A]

Really?

[B]

Yeah.

[A]

But he's kind of hot.

[B]

He's very hot. Are you saying I'm not hot?

[A]

Have you seen Charles?

[B]

You saw him?

[A]

Have you seen Charles? Absolutely.

[B]

That was one of the first things I showed her when I got here.

[A]

Yeah. Like, give me, show me. Yeah.

[B]

Because he told me on the phone how hot this guy was. And I was like, okay.

[A]

And usually, you know, people are saying, like, oh, the person's really hot.

[B]

He undersold it.

[A]

Yeah. I'm not saying you're not. We're just in very different leagues. Like, I'm in very different leagues than him. He's like, like, that's the guy you have to be afraid of.

[B]

Attractive. So I'm all for it.

[A]

Take it while you get it.

[B]

Houston's a bear friendly city. I. I would say.

[A]

Okay, well, if I ever go gay, I'm moving to Houston.

[B]

You would do well.

[A]

Thank you. Thank you.

[B]

We'll see you at Ripcord one night.

[A]

Huh?

[B]

We'll see you at Ripcord one night. It's the gay bar. Oh, one of them.

[A]

I don't even go to normal bars, so.

[B]

Yeah, it's okay. If you ever come out, I'll invite you.

[A]

Dude, I've seen this. Can I tell you a little offshoot? I've. Some people have sent me a post that someone is. I don't know if it's on Reddit or Twitter. This one guy has seen. Posted a few times that he's seen me at gay bars in Austin or gay clubs. I don't even go to normal clubs like it says. That's the last place I would be found. Sure, Jan. Not even because it's gay. It's just like, I don't do that. Stop the cap. This is so fun. People say the most interesting things about me. You ugly. So that's. That's curious. Maybe it's you. Maybe they saw you today. We're zeroing in on projection.

[B]

Yeah, maybe.

[A]

And they're like, oh, it's Caleb. Folks don't choose to be gay any more than I choose to be straight.

[B]

Yeah, he put on a lot of weight since the last episode. Who, if I was you?

[A]

Huh? Oh, yeah.

[B]

So that truck's almost paid off. Well, let me rephrase this one. Almost paid off. It's a year and a half into it and I'm. By end of year three, I should be able to sell it as long as it doesn't devalue a whole.

[A]

You're talking if you make your minimums, but you can't. Your minimums are. Half your income is the issue. Yeah, that's the scary thing. What do you. Okay, we know your inflow on a monthly basis won't win out. Last month, what was your outflow?

[B]

I'm really bad about tracking how much money I spend on myself. Yeah, I'm just. I'm very good at tracking, like, my bills and making sure I know that those are paid and we have lots.

[A]

Of credit, the disbursements. And we had your final payroll, it looks like.

[B]

Yeah. So it's.

[A]

It's difficult up loan Loan disbursement, but that doesn't count in terms of income for me.

[B]

I probably spend. I know my bills are like 44,000, so I probably spend like 5.

[A]

Okay, yeah, it was $12,388.25. Some of it may have been having to pay for school from disbursements or something.

[B]

But even still, one of those was a consolidation, which did not work for me at all.

[A]

No, you consolidated and then you built up your debt again, huh?

[B]

Yeah.

[A]

So what always happens? You cannot consolidate unless you change your behavior. You're not a credit card person. I'll get you on the fizz card, especially since you're a student, because a lot of the perks are student related debit card that builds credit. You can't spend with some in your checking account. So that actually works for people like you. But like, why the could we consolidate, dude?

[B]

So I was really worried about when I lost my job because I just did that in June when I lost my job. I was like, well, I need something in order to like. It pushed the payment out a month. Let me try and find a job, consolidate it. It lowered the payment of what the total amount was. It just increased the total amount of debt. So I was like, this makes sense. Like, I rationalized it to myself that this was gonna make sense and it was gonna help me and then proceeded to not change.

[A]

It just never works. It's never worked in the history of this show. It's. It's. It doesn't make sense. It doesn't make sense. Okay, so this must be the second car loan.

[B]

Yes.

[A]

What is this car? It's a Kia Niro. I've never heard of this in my life.

[B]

It's a hybrid. It gets 54 miles a gallon. And so for my drive, if, for example, driving here from Houston, I don't have to fill up. I'll drive all the way here and all the way home and I won't need a cat.

[A]

What's the interest rate on this?

[B]

10.99.

[A]

Oh, for sake. You got a second car and then a 11 interest rate loan on it. Why'd you get a car that was 23? 344.38 is what you owe on it. What the. Why do we get a balance like that? You can't even come close to a 40 balance like that.

[B]

So with that car, I wanted to trade my truck in, but I was too upside down in it. And I didn't have a down payment.

[A]

But I was spending amount is way too much for you.

[B]

The payment is less on the car than what I was spending in fuel on the truck to get to and from work.

[A]

That is not the justification, though. You can still get a cheaper car. Yeah, because your minimum payment is $555.97. Now we are talking. Now we are talking. Put the 11.15.07 plus 555.97. That is $1,671.04. Divide that by the 22 you make. 76% of your income goes to your minimum monthly payments in your car. And now you have a balance that you definitely also cannot afford for a new car. Not even close. But you're at 11% interest rate on it. That is so beyond. That is so beyond. Oh, great. Oh, but winner. He met quota because he purchased this car.

[B]

Yes, he did.

[A]

He met his monthly quota because he purchased this car.

[B]

I did.

[A]

Now that's a salesman.

[B]

I also bought it to door dash with because I can't doordash in the truck. But when I finance the car, the maintenance is included in the financing, so I don't have to worry about maintenance and all that's covered. Dude, I haven't even spent a in fuel since I bought that car.

[A]

Sure, but how many miles have you put on it since you got it? When did you get it?

[B]

I got it in August.

[A]

A month ago.

[B]

No, July. Sorry. Then July.

[A]

Just over a month ago.

[B]

Yes, it has 7,000 miles on it.

[A]

Well, dude, two car loans. One at 11 interest rate, taking 76 of your income. Also, you can doordash. Oh. If you sold it in today, traded it in or whatever, the. What would you get?

[B]

Nowhere near what I order.

[A]

What would you get? It's too new for a kbb.

[B]

Yeah, I've.

[A]

Come on, what would you get, sales guy?

[B]

See, I don't do the appraisal part.

[A]

Dude, come on. What do you think you would get then? Come on.

[B]

Probably like 22.

[A]

Oh, we're. You have $40,000 under cars. 40,000. $40,000 is what people owe on an expensive car. And that's what you're under on your cars guy. That's insane. That's insane. I haven't had a car situation like this in long, long days. It's been a long time. Long time.

[B]

I felt like it was a good decision to buy the car.

[A]

Do you still feel like it was a good decision to buy the car?

[B]

I mean, doordash is the only way that my bills.

[A]

Buddy, this balance doesn't make sense. This the balance. You can't afford a $32,000 car in any way whatsoever. You went under 10,000 hours immediately. Great. You got hybrid. That's it. That's it, Buddy. This is 76% of your income and you say it's Good. You're at 11% interest rate and you say it's good.

[B]

Well, the interest rate could be better. But my credit took.

[A]

Could be. No, your credit's. Who would have thought?

[B]

I feel like the rate for a second auto. That wasn't that bad.

[A]

That rate. A bad rate. Is a bad rate. Is a bad rate. That is a bad rate.

[B]

Yeah.

[A]

I'd rather you get that on a 15,000 hour car.

[B]

Yeah. We didn't have anything low enough mileage for you.

[A]

There's other dealerships in Houston, Texas, but.

[B]

Then have to deal with all their shit, whereas.

[A]

I know, but that would be better. And save 15 to $20,000.

[B]

Yeah.

[A]

Dealing with someone else's in paper. I would rather do that and save $20,000.

[B]

Well, at least I don't have to worry about maintenance on it. Like the maintenance is all included.

[A]

There's gonna be 20,000 hours of maintenance.

[B]

Well, I mean, I'm already due for my first oil change on it, and that's covered. And like tires.

[A]

$20,000.

[B]

No.

[A]

Huh.

[B]

But at least I don't have to pay for it. Like, at least it's covered. Included in the car.

[A]

Yeah. Thank goodness. That's. We're doing really well. This is insane. This is insane. You're doing that while also going out to eat. And that immediately pushed you over your budget. Just that alone. Your two car payments and then going out to eat. You're over budget. Over budget. And he told me while we were in break, we had to pause it because it started like thunderstorming. That he has lost like £120 in a year. Yep. You know what drives me insane? Cell phone bills. A hundred bucks a month. So I get dropped calls in the middle of a grocery store parking lot. No, thank you. And that is why I'm excited about today's sponsor, Helium Mobile. Helium Mobile is shaking up the phone carrier industry. They've got plans starting that free. Yeah, Free as in zero dollars a month. No contracts, no credit card, no hidden fees. Just bring your own phone, download the app, and boom, you're connected. And if you need more than the free zero plan, they've got the Air and Infinity plans that are crazy affordable. They even have a kid's phone plan starting at just five bucks. So you don't need to hand your nine year old a $70 phone. Bill. Helium Mobile rewards you with cloud points that you can spend on gift cards for places like Amazon and Apple. So instead of paying your carrier more, you actually get a reward for using your phone. Paying huge cell phone bills is officially outdated. Head to the link in the description below to download the Helium Mobile app and enter code Caleb let's get back to the episode. When I say game day, you probably think chips, screaming at your TV and maybe emotionally regretting your fantasy picks. But you probably don't think Wayfair. Well, you should, because that's where I just decked out my setup for football season. Talking folding chairs that don't collapse after one Use a cooler big enough to hold all your bad decisions and yes, even a grill.

[B]

This episode is brought to you by Amazon Business. We could all use more time Amazon Business offers smart business buying solutions so you can spend more time growing your business and less time doing the administration. I can see why they call it smart.

[A]

Learn [e-mail] that made me feel like a backyard chef instead of a guy overcooking burgers and flip flops. Wayfair's got everything. Indoor furniture, outdoor gear, serveware, tailgate grills, you name it. And it's not just about having options. It's about style, affordability and easy shipping. I got everything delivered fast, free and without wrestling a massive box through my front door. Now is the perfect time to gear up. Whether you're tailgating outside or building the ultimate game day cave, Wayfair has your back. Wayfair is your trusted destination for all things game day. From coolers and grills to recliners and slow cookers. Shop, save and score [e-mail] that is W A Y F A I R.com Wayfair every style, every home. Crazy. How possibly with the amount of going out to eat do you do? What did you spend going out to eat last month?

[B]

I have.

[A]

Come on, what do you think big guy Accounting come on account this 350. It was a thousand. It was over a thousand hours. Almost a thousand one hundred going out to you. You take that, you take your two Carmen car payments and you're well over your budget, well over your budget, well over your income plus DoorDash budget completely. It's the. It's the disbursement that keeps you there. But even that you barely break it even at that point.

[B]

Yeah, it's. I'm always exhausted just the amount of.

[A]

Good twice a week and warm it up at home so that's great when you're exhausted.

[B]

That was great when I had the surplus of food to do that, but now I don't have that anymore.

[A]

Tell them to go buy groceries.

[B]

They. Every now and then we'll go grab, like, stuff, but, like, at this point, it's all gone. So anytime.

[A]

He's your friend, right?

[B]

Yeah.

[A]

Call him right now and tell him you need him to contribute to the grocery budget. He's. You can't afford it. But sometimes he'll. Sometimes people answer during work.

[B]

Okay.

[A]

Leave a voicemail if he doesn't. Also. Did you get the number? Oh, you know. I know. You're on silent mode.

[B]

Yeah, I listened. I put in do not disturb mode. Yeah.

[A]

Many, many times.

[B]

He. He won't send it to me.

[A]

Is there someone else who will?

[B]

There's a whole lot of people, but I know that. I don't remember when he wouldn't give it to me either because he doesn't want me talking to him at all.

[A]

Come on. Who would have it?

[B]

I might be able to find it, but let me.

[A]

Yeah.

[B]

Do you want me to call?

[A]

Sure. I want to get messy. Then put the speaker up to here.

[B]

Up to the mic.

[A]

If they're. If both of them are going to stay there, they need to contribute an additional $300 a month of groceries. I try to put it, like, on the mic. Hello?

[B]

Hey. I wanted to talk to you really quick. I'm up. I'm. We're filming right now for the financial audit show, and. Are you busy? What are you doing?

[A]

No, I'm just Starbucks.

[B]

Oh, okay. We were talking about, like, my finance and everything when it comes to, like, groceries and all that.

[A]

That.

[B]

And I. I need y' all to contribute a little bit more when it comes to that. Whenever. Because we need to.

[A]

Well, yeah, of course.

[B]

Yeah. So. So I was hoping y' all could do, like, around 300 whenever we do groceries and everything. Yeah, yeah. So that should. Was that going to be a problem at all, or.

[A]

No? No, it should be fine.

[B]

Okay.

[A]

And when is he leaving?

[B]

And when are you. When are you leaving?

[A]

Leave next week.

[B]

Okay.

[A]

Really?

[B]

Okay. When?

[A]

The last day of the month is when we move in.

[B]

Okay. So, you know, I have a. The attention span of a goldfish, so.

[A]

Well, I know.

[B]

All right, but.

[A]

Okay, cool. Well, that's a win. That's a win. Contributing the groceries. Yeah. Hopefully they give you, like, 300 on the way out so you can restock. Yeah, hopefully that'd be good. Seems like he was very receptive. Hopefully it wasn't just for the cameras. I don't know, you know, obviously better than I do by far. Like, he knows, I mean, films.

[B]

We've been friends for a few years, but, like, we weren't like, best friends. Like, this was a favor that he asked, like, out of the blue. Hadn't talked in a while, but do.

[A]

You think he'll actually contribute? And you think they're moving out next week?

[B]

I would believe that they're moving out. They've been talking about it, but, like, when he got fired, getting all the, like, income documents to them has been the struggle. So I didn't know how long that was going to take or how long it was going to last that he was going to just push that out because it seems. And then with his, you know, his boyfriend not working, you think they'll give.

[A]

300 on their way out to restock?

[B]

It would be very nice if they did, I hope.

[A]

Well, do you think Is that he just said yes, but you know them. Did he say it for the camera or is he.

[B]

He might have said it for the camera just because he doesn't want to look bad. Especially because he watches the show. Ah, so he's gonna see this.

[A]

Ah, right. Okay. All right. We have, I think, a credit card, but. Wow, this is so over. Wait, is it? No, it's not. No. This is cash advances.

[B]

Yes.

[A]

What the. He did $2,550 of cash advances?

[B]

Yes.

[A]

Never even seen that on this show. $260 of fees. Oh, dude.

[B]

Why?

[A]

What's happening?

[B]

So I opened the netcredit when.

[A]

I.

[B]

Needed money to gamble.

[A]

What?

[B]

Yeah. What the.

[A]

Does that even mean? What the. 50 minutes in. What the. Does that even mean?

[B]

So whenever we would. Whenever I would gamble, and I over gamble. What slots?

[A]

Where?

[B]

On my phone. Oh.

[A]

Oh, dude. What the.

[B]

So whenever I would overextend myself out of my checking account, I would take a cash advance in order to cover everything else.

[A]

Slots on your phone. What does this even look like to you? Because this is insane. You again. You took out 2,550, but I brought it to a balance of 2,810. What did you. What? You use that all for slots?

[B]

To recuperate the loss on slots?

[A]

Yeah, slots. When. When slots?

[B]

June.

[A]

What the. You spent that much on slots or you lost that much on slots in your phone, buddy. No. How much slot playing even is that to get there? I don't know. I've never done it.

[B]

Unfortunately. Not a lot. The story behind why I even got into it was because my parents, they won 200 a spin. Lindsay saying yeah, $5 a spin.

[A]

Sorry, go on.

[B]

My parents won $200,000 on there and did receive that money. Actually, they've probably net almost $250,000 in total. And so I was doing it to see if I couldn't net something out of it too, and then I kind of fell into it where it was like. No, there were times that it did make up differences where I was like, struggling and then.

[A]

Yes, no, struggling. This is more than your income on a monthly basis and you had to cash advance for it. You have to catch a Vance. Dude, this is insane. Just to like pay for your groceries.

[B]

Yeah, yeah.

[A]

You got 11. Almost an 11 fee. You paid 11%. 11%. And now it's going to sit there and accrue interest rates.

[B]

So that 11% fee is like every month? Yeah.

[A]

The balance, it accrues 11% a month?

[B]

Yeah. It's a statement.

[A]

Not a year. And then broken down month by month.

[B]

No, it's not.

[A]

It is 11% a month.

[B]

So there's a statement balance fee. Like that's what that is.

[A]

So it's like 100% a year, depending.

[B]

On how long it takes me to pay it off. Yeah.

[A]

What the. So we're talking. We're basically talking like a. Like 130% a year. 130% a year for slots. 130% loan for a slot.

[B]

Yep. I was trying to win big and it didn't work.

[A]

How long. How long have you been doing this?

[B]

So when I was living with my parents is when I started.

[A]

When was that?

[B]

So I moved out of my parents house in 24. So it was probably in 23 is when I started.

[A]

And then June of this year, you. So it ramped hard? Did it ramp hard or was that just a common thing we've been doing constant. What the f. So a lot of this debt we're going through is just you sliding it up?

[B]

Yeah. Whenever I would like, get sad or whenever I would like, I would do slots to try and feel better.

[A]

You got sad.

[B]

Yeah.

[A]

But now Rodrigo or whatever the his name is in your slot. So you shouldn't be doing slots anymore because you're not as sad. Right. Is that how this logic works?

[B]

I guess, kind of. Yeah. I'm a little busy with that. He's got me back into exercising again.

[A]

So it's like, are you slotting less?

[B]

Like, wait, like, are you slotting, slotting me or slotting less? On my phone?

[A]

On your phone?

[B]

Yes.

[A]

How much less? What was your monthly average you were.

[B]

Losing in slots anywhere From a thousand to two thousand dollars.

[A]

That's your entire income when I was.

[B]

Making money at the.

[A]

And now.

[B]

Now it's. It's gone. It's not gonna happen anymore.

[A]

No, no, no, no, no. Leading up to now, last month, what was it? Because. No, no, you can't just say from.

[B]

This point on, last month was maybe, like, 500 bucks.

[A]

That is money. That is substantial money. When making 2200. That is not substantial. Still. That is still literally 23% of your income that went to slots.

[B]

The hard part with my income is there's also, like, spiff money, which is like.

[A]

What is a spiff? That sounds like a slur.

[B]

It's a bonus. So, like, if you sell this many cars in a day, like, you'll get a bonus if you know.

[A]

Yeah, but big dude, you're not even hitting your draw right. But is that included into paying back your draw, your spiffs?

[B]

It's taxed, and then it would. Would they pay it out as a check? So I would get it as a check, and then they tax it on my draw check, so they pay me the full amount of whatever the bonus is. And then.

[A]

So we really shoot for the spiffs.

[B]

As often as I can. As often as they're available because they're not consistent.

[A]

So how often are we hitting the Spiffs then?

[B]

So the first month, there was probably, like, eleven hundred dollars. It's like. It's just not consistent because, like, when the store is doing well, there's spiff money. When the store is not making as much money, there's not as much money for spiffs. So it's like, depending on how the industry is doing. Really?

[A]

Okay. Yeah. This is crazy. Your minimum payment on this is $387.50.

[B]

It does go down every month. Like, the monthly payment for that is, like.

[A]

So when the balance goes lower. Yeah, it goes lower. Okay.

[B]

So every. Every time I make a payment, it's like $50 less.

[A]

This is insane. Yeah, yeah. Literally two months when we've had $515. So the total fees. This business is crazy. They make so much money. If I had no morals. This is crazy how much they make.

[B]

Yeah. I wish that I could get, but that's the only. So I don't. I guess that's the only, like, line of credit that I have, like, when it comes to, like, pulling money like that.

[A]

Oh, yeah. Pulling a cash advance. Yeah, because you should never do that. That's, like, as bad as it gets.

[B]

Yeah. No, I've never. I don't have any other ones besides that one on.

[A]

Where are we with getting the number? Cuz we got 30 minutes left and I want to close with it for you. Chat. I'm messy for you. We're messy for. We're messy. We're messy buddies, aren't we? Is that. Should that be our team name?

[B]

He won't send it to me.

[A]

But you said you have another way to get it. I.

[B]

If I asked Caleb for it, but Caleb would read me for filth asking for it.

[A]

So that's okay, right?

[B]

No, because also he doesn't know that me and Charles are sleeping together and we don't want him to know.

[A]

Does Caleb maybe know who I am? Is there a chance? There's no chance.

[B]

More than likely not. But there is a chance like that he might eventually see it. So I'm like, so that's why I don't care if I talked about it like on the show. But like we like even at the bar and stuff. Like he doesn't seen us do anything besides just be friends.

[A]

This is just. This is one of the craziest accounts I've ever seen. Again, literally. Like, I like money, but unfortunately morals are subjective. And unfortunately I do have some. That really sucks because what a money making opportunity that is. They own you. They own you.

[B]

They really do.

[A]

What is this? This looks like a payday loan.

[B]

No, that one is an upstart.

[A]

Long upstart. Okay. What'd you get upstart for?

[B]

Which one is that? Because I have three.

[A]

Oh my.

[B]

Why?

[A]

What are you doing with your life?

[B]

The consolidation one that I just recently.

[A]

You got a consolidation at higher interest rates than credit cards. Make that make sense. This is at a 2636 interest rate.

[B]

That's lower than some of my credit cards.

[A]

What? That's. No, yeah.

[B]

One of my credit cards did you have. I have like six.

[A]

No, no, I, I don't see credit cards above 36. I, I 35.

[B]

Yeah. I don't know what my, my milestone card was, but it was high.

[A]

What? So this is insane. He borrowed $4,312 in the finance charge attached to it at that 36% interest rate is literally more at $5,002.71. He owes a total of $9,314.71. That is insane. That is insane.

[B]

Does it say when that was paid? Yeah, that.

[A]

Yeah, it took out in August and It's done in 2030 $9,314.71. Minimum monthly payment $155.02. It's going to be forever.

[B]

That's if I pay. Is that if I pay it, like, only the minimums. That's what I would pay total.

[A]

But I don't see any other way at this point. Is the thing. This is crazy. Okay, so what did you. This was the consolidation.

[B]

That was the consolidation one to kind of like float me through, like get the payments paid and paid off and then float until I found a job.

[A]

This is wild. This is wild.

[B]

Yeah. The crazy part, the craziest part about it is I had just paid off a different upstart loan, like two months before that when I was making good money at work. And then I end up having to take another one from upstart again to.

[A]

Make it okay, I got another one. What's this for? This one's also at up 36% interest rate. You borrowed $1,100, but the finance charge is only 400 for this one. It must be a quicker payment term. It is two years.

[B]

Yeah. So that one was when I took the job at the school. I had to go to Dallas for training. They did reimburse part of it, but not at the level at which they said they were going to reimburse it.

[A]

So you didn't have any savings?

[B]

No.

[A]

Have you ever had any savings?

[B]

Not successfully. Not that I haven't touched.

[A]

Because that's. That's what the point of this all is, is when those things pop up that are opportunities instead of yourself. With a 36 interest rate, $1,439.13 minimum payment, 79. That's almost hitting. Well, that's good. What's the balance today? I assume you wanted to get out of the car sales and that's why you went into this field. Right. But now you're back in.

[B]

Yeah. The story behind getting back in was that I was kind of moping after losing my job and then woke up a Saturday morning from a text from my old boss that said, come sell cars for me. And so I went back to selling cars.

[A]

Good. At least you're getting the dispersement, right?

[B]

Yeah. And. And I'm hoping I'll start doing better, like. And. Because there as I'm in school, like, this isn't a bad thing when it comes to that. Oh, I guess it's half paid off. I'm sorry. Ah.

[A]

So what's the balance?

[B]

Balance?

[A]

Why? We check probably like 750, 800, 719. 719. Minimum payment. 79. Okay. Yeah, that's. Here's another one. Not as bad interest, but it is still substantially bad. Interest is 17%. Wow. You borrowed $6,564 and you had to pay back a total 9,759. What the was this for?

[B]

That's when I moved to El Paso.

[A]

You had to borrow 7,000 hours to move?

[B]

I used part of it for moving, part of it for living while I was getting adjusted to being back on a paycheck.

[A]

Come on.

[B]

Because I didn't have any content creation money coming in then.

[A]

So how quickly did that die?

[B]

A year and a half.

[A]

9759. Where were you streaming? Were you streaming or making games? Facebook gaming. This is the second time we talked to a Facebook streamer this week. And in my life, somehow two days in a row. What the is happening? So I swear, when one person does something for the first time in the show, all of a sudden I get like four of them in a row. It's so weird. How long did you live in El Paso?

[B]

For two months.

[A]

This for two months?

[B]

Part of it. So I didn't spend all of it when I was there. When I like used. I used it to move like pay for like the U haul and stuff and then go to the other side of gays. I don't move in that quick. I actually prefer to live alone mostly.

[A]

No, lesbians move in quicker. Gays move into their holes quicker. That's honestly how it goes.

[B]

It was only a month before, you.

[A]

Know, they should have a grinder for the straights. That's all I'm saying.

[B]

Honestly, I thought, isn't that what like.

[A]

Bumble is or Tinder now you gotta swipe. Grinder's like a buffet.

[B]

Oh, it really is. Yeah. But it's funny. There's a lot of straight guys on Grindr.

[A]

Okay, I wanna. Yeah, sure, yeah, sure.

[B]

That. I also use part of that to move back to. I moved to Victoria, Texas after that.

[A]

Is that Houston?

[B]

It's two and a half hours away from Houston. It's kind of middle ground. It's called the crossroads. So it's two and a half hours from Austin, San Antonio and Houston. It's like right in the middle.

[A]

I thought it was College Station.

[B]

Not for me.

[A]

If you want to land a high paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that the single biggest factor someone can take to improve Their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in demand jobs ranging from technology, sales to accounting, construction, project management, the trades like electrician, plumbing, H vac, supply chain, and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make and how exactly to land your first job. Was starting from scratch. Click the link below to sign up for one of their free courses today. Okay, $2,455.23. What our minimum payments are up to right now. You're already over budget? Year over budget. We're done. Like, we're done already. Like, this is insane. How much school do you have left?

[B]

So I'll finish my accounting associates this semester.

[A]

Associates?

[B]

Yeah.

[A]

Are you going bachelor?

[B]

I was going to, yeah.

[A]

When are you going to be done with that?

[B]

It would be two years.

[A]

All right. What is milestone?

[B]

Milestone's a credit card.

[A]

What are you doing with this? We got fees, we got purchases, interest. Bell. Oh f sake. What are we doing? You're at the limit.

[B]

So that credit card I originally had opened and I was only gonna use it for like fuel and stuff and like increase my credit limits when I was trying to get everything paid down. And then.

[A]

When did making plans get this complicated?

[B]

It's time to streamline with WhatsApp, the secure messaging app that brings the whole.

[A]

Group together, use polls to settle dinner.

[B]

Plans, send event invites and PIN messages.

[A]

So no one forgets mom's 60th and never miss a meme or milestone.

[B]

All protected with end to end encryption. It's time for WhatsApp message privately with everyone. Learn [e-mail] When I went to Tennessee in June, right before I lost my job.

[A]

Why? Just for fun.

[B]

I met with you. Still had bad debt during that I. I paid for the trip itself and everything not on the credit card. Not only are you paying for a.

[A]

Trip when you have those other deaths that we already looked at that you got before you lost your job.

[B]

Anyway, this was kind of like a once in a blue moon kind of a trip. It Was. Yeah.

[A]

Tennessee. That doesn't exist any time else.

[B]

Well, so the reason we went to Tennessee was because it was a. A main meetup for like all of us that used to play together. And like we're all in a discord.

[A]

You guys don't make money. I don't care. Yeah, you'll meet up again.

[B]

I mean, maybe, but this was a chance that I had and I was at a good job and I was. So I paid, I think 300. My was my share of the cabin we stayed in Gatlinburg and then.

[A]

Cabin.

[B]

Yeah, we stayed in like the nice cabins up in the mountains in Gatlinburg, Tennessee.

[A]

Were they gay?

[B]

Two of us were. Three of us were. No, I didn't sleep with any of them when I was there.

[A]

What?

[B]

No.

[A]

You're such a bad gay.

[B]

Those are like my friends. One of them is literally. We call him. Which probably shouldn't have said that, but.

[A]

Gay uncles love touching their Stop.

[B]

One of them.

[A]

We joke here.

[B]

Family. Like a lot of like these people are my friends. That kind of kept me going. So it was like a nice chance to go and I didn't want to sleep with any of them.

[A]

Why is there $15 and 7 cents of fees, buddy? Why are we spending on a credit card right now that we cannot pay off? What we have bad debt. And that while interest is occurring.

[B]

I don't even know what I put on there.

[A]

I'll tell you. You stopped at the gas station, got some. Wasn't gas. What are you getting? Because I do see gas redes. Is that what you go in and get?

[B]

So when I went and got gas, I was going to put it on my debit card.

[A]

But no, no, no, I see gas at the same time. You also went in and got.

[B]

Oh, that was when I went. That's when I tried. That's when I was on my way. So it was a snack or something on the road when I was driving to Tennessee.

[A]

This just happened in June.

[B]

Yeah, the meetup was in June.

[A]

Listen, listen, this is. I. We gotta stop this out there, ladies and gentlemen. People go in and they stop and they get their one off snacks. They get their one off energy drinks. This happens every show. This is. That's specifically why I work with gamers. Hubs, dude, no more $4 energy drink. Bull. 10%, 10% off. Link in the description below for the best tasting energy drinks I've ever personally had. And it's 25 cents a serving. It is just like making coffee at home instead of going to Starbucks. It's Stupid. Stupid. And there's free samples. Use my code, Caleb. Free samples. Get your gamer subs. Figure out what flavor you like. That is 25 cents a serving. No more stopping at the gas station getting some bullshit. I'm done with this. I'm so done with everyone doing this. Because you did with Buc ee's as well. So McDonald's Chinese restaurant, Swing, Baytown Plaza, McDonald's burgers. Come on, we're losing weight. What are we doing? What's the.

[B]

Well, that was a splurge trip when it came to like splurge.

[A]

Oh, also raising canes. And you went in and got some bullsh t. Again, gamer subs. I guarantee you tastes better, I promise. It's literally. Actually, it's incredible. I'm like addicted. But it's bad. It's bad, it's bad. But I also go in and get all this bull.

[B]

Is this a sugar free option though? Because I don't do sugar.

[A]

So it's very low cal. It's a super low cal drink.

[B]

Okay.

[A]

No, dude, an Energy monster is like 300. It's great. Yeah. Total feast this year so far, 41.27. This is crazy. This is insane. What is the fee? Oh, it's a monthly protection fee and then a monthly fee. This is crazy. They're just. They're making so much off of you. I'm making so much off you. Yeah. This is at a 36 interest rate. A death synchrony home. For what?

[B]

When I moved to El Paso.

[A]

This is a while so long ago now. Yeah.

[B]

The main reason with that card, it's super weird, is that I didn't use it enough. And so they closed it. There wasn't anywhere that I had that accepted synchrony home.

[A]

Good. You're not a credit card person.

[B]

But that was. I don't remember exactly how the breakdown of it was because I took out a loan and the credit card and I got like my couch and my loveseat and my washer and dryer and.

[A]

Computer all for two months.

[B]

Well, I took everything with me to the next apartment.

[A]

It's expensive to move from El Paso with a bunch of furniture.

[B]

We packed it all on a big interest.

[A]

You've had. You've had a late fee this year.

[B]

Yeah.

[A]

You've had a late fee this year. Sane interest accruing 30% balance 896.67 with a minimum payment of $32. Do you still have this furniture?

[B]

No.

[A]

Yet you are paying interest and late fees on it. That's something. Do you not get this computer. Yeah, one of this was a computer.

[B]

So it was. So I had a con. I bought it through Cons Home plus before they went out of business, or at least the ones I had went out of business. And I had a washer, dryer, computer, couch and loveseat that I bought when I moved. I needed the computer for work and I bought it when I got there because there was no desk space for me. So I bought a computer so I could do that. And then it was also good for me to do my homework on. So I didn't have a. My tower was moved. But like, I don't know, it was easier with the like computer.

[A]

This is insane. Best Buy. Speaking of computers. So what's. What's up with this?

[B]

I took that card out originally when I started streaming is what I bought my first computer on. And then what do you think?

[A]

Dried up. Why did you think it dried up? Like, it doesn't just go away. There's always reasons why.

[B]

Well, for me it was like.

[A]

Yeah, but you. Because streamers still made it. Why?

[B]

Yeah, so I didn't have like multifaceted content then. I was gamer.

[A]

Streamers still made it though. Well, Facebook gaming.

[B]

Yeah. And it didn't transfer very well when I tried switching to Twitch because I did try to switch to Twitch and not a lot of the people followed from Twitch and it was really hard to build Twitch without having a following.

[A]

You can't.

[B]

Yeah. So it was like very difficult. My. Actually my Twitch now that I still sometimes go on just for fun to see the people that I used to see has more followers than my Original.

[A]

1 did.907.88 still owed on here for something you're not even making money off of anymore.

[B]

That's actually newer stuff on that credit card.

[A]

Then what is.

[B]

Was my keyboard broke. So I bought a new keyboard.

[A]

This is 907.

[B]

And then I also did buy an Alexa on that.

[A]

An Alexa what? An Alexa Supremium Max. Like What? This is 907.

[B]

So my best Buy Buy supreme stuff like for me to take all of my tech to Best Buy, no matter where I bought it from, is on that card. And then like I bought the Alexa home and like the keyboard and that kind of stuff, it's just. It piled up on there.

[A]

23 and 2 cents of interest accrued. 5 years of minimum payments to pay this off. Crazy. And you're going to pay a total of almost $2,000 and then $33 your minimum. Insane. 107 this year so far. 30% interest rate. City Advanced, Platinum Select. Is this the one that you said you thought was over the interest rate of the other one?

[B]

No, that was a milestone card.

[A]

Okay, well, we'll see.

[B]

That one.

[A]

This is. This is a crazy balance. Basically at the max. Why? Purchasing 115. Why?

[B]

So my medical bills were on that one partially for my surgery in May.

[A]

What? Why didn't you just get a payment plan from the hospital? Why'd you put it on a credit card?

[B]

It's a payment plan from the hospital on the card.

[A]

Card on the card.

[B]

Yeah. When I filed on there, there was supposed to be, like, 100 bucks. Ended up being 85amonth goes on that card. That's part of it.

[A]

Wait, you pay your payment on this card?

[B]

Yes.

[A]

Oh, your payment plan's not actually on this card.

[B]

It's not like a fine. It's not like an actual, like, loan payment plan. It's just through the hospital itself.

[A]

Yes.

[B]

It went on that card.

[A]

But you put it on an interest accruing card.

[B]

Yes.

[A]

Dude, you are at $2,072.73. Because you could pay it from your debit card. Because a payment plan from the hospital is not necessarily the worst thing. But you're just going crazy putting her on an insane card. $53.98 of interest accrued last month. This would take nine years to pay off the way you're going. But that's if you don't put anything on here. And you always do. You put your hospital. Your. Your. Your medical bill on here.

[B]

Yeah.

[A]

So this will never be paid off.

[B]

Do you want to know why I opened it?

[A]

Why'd you open it? Sure.

[B]

So I went to South Dakota in May, and it was.

[A]

I guess that's where bears are found. Right? Like that.

[B]

Actually, a lot of them are twinks out there. Like, they just all have heavy coats. Bears. When it comes to the city card, I opened it because it gave me a credit for my flight when I flew to South Dakota. And then it just kind of spiraled from there because I used to be. When I was heavier. And it was that flight that taught me that I don't need to book first class anymore. But I was so heavy.

[A]

Stacy. In Stacy. Like, I see your Methodist. Okay. Yeah. That's the medical bill. What's this in Stacy Incorporated? 30 bucks.

[B]

I don't know what.

[A]

Come on. And your 85 medical. Sure. But then there's an extra 30 from Stacy Incorporated. You don't even know what that is. I don't got a late fee this year. So far, yeah. So you put a payment plan on this card and then you don't even pay this card on time? Dude.

[B]

Yeah.

[A]

30 interest.

[B]

Those two late fees happened when a paycheck was. It fell weird and so I couldn't get it paid on the day and it was like a day or two late, so I made it late.

[A]

Capital One. What's going on with this?

[B]

Which Capital One card?

[A]

This Capital One. You owe $1,709.97.

[B]

So that's my platinum card. That one. I opened that one when I was.

[A]

In Victoria again and it's maxed out again. Sorry, go ahead.

[B]

So yeah, with that one I. I used that one. It's kind of like my base bull card. That's what I would buy video games with. That's what I would buy. Dude.

[A]

What now? Because you're still spending?

[B]

Yeah, that one I feel like was only my chip on my debit card was messed up for a while and so I got a new debit card.

[A]

Dude.

[B]

But it had to be mailed to me. So I was using the credit card.

[A]

12 years minimum payments without any purchasing. And you always purchase. This is crazy. This is crazy. And no. You stopped in the gas station and got some.

[B]

Yeah, cuz my chip didn't work on my debit card.

[A]

Gamer stops More affordable. They have a hydration drink version as well, by the way. If you don't want the caffeine version. I usually do the hydration drink version. Yeah. Late fee this year so far and almost $300 of interest. We're at a 30% interest rate. Y insane. Okay, Quicksilver1, what's going on with this? This just keeps going.

[B]

That one had my anesthesia on it from the surgery. Which is what? Because the anesthesia wasn't fully covered by my insurance, but it wasn't through the hospital, so I had to. I have a 51 monthly.51 monthly payment on the anesthesia that I'm paying. But I moved that to my debit.

[A]

Card via this credit card again. You're not paying this isn't that debt. You are paying that debt with this credit card.

[B]

Yes.

[A]

So. So that doesn't explain the overall balance. 25 of interest. $29.21 of spending. 8 years to pay off. No spending. But of course you are. And that is paying off another debt. And yes, actually, no, no, I don't have any of the anesthesia. I have a vending machine and Planet Fitness.

[B]

My planet finished to go on that card too.

[A]

Yeah.

[B]

But I canceled.

[A]

Oh, see?

[B]

Anesthesia it should be on that one. Or maybe it was going to be on that one. I moved it to my debit card because the payments on those are coming out soon.

[A]

And then. Vending machine again at work.

[B]

Yeah.

[A]

Stupid. $3 drink or 25 cents per serving. What are we doing, guys? This is so. It's just. This is what we have to do in budgeting. Come on. Make coffee at home. Make your energy drinks at home. Make your hydration drinks at home. What are we doing? Meal prep. Sandwiches. Come on. We've had a late fee this year. So far, no one's surprised. $150 of interest. Almost 32% interest rate. Discover it. Oh, my goodness. This balance is insane.

[B]

That was my first ever credit card that I opened in College.

[A]

Great. It's $2,693.92. Minimum monthly payment. $84.

[B]

Yeah. So when I was originally at the car lot, before I moved away from the car lot, I tried doing a debt relief program.

[A]

Oh, great. So twice.

[B]

But I canceled it. When I did that, it broke the terms of service with the Discover card, so it closed.

[A]

$84 minimum to payment. 11 years to pay off. 11 years minimum payments only, which is what we're doing. $63.05 of interest accrued late fee this year so far. $500 of interest, 28% interest rate.

[B]

Yep. All those late fees are from the same one time, man.

[A]

And we keep going. Student loans.

[B]

Yes.

[A]

Why didn't you use the same thing you're using now?

[B]

Because I was living in South Dakota at the time, so I couldn't do that.

[A]

What's your total? Okay, well, these are deferred right now, so we don't have to worry about.

[B]

I'm in school.

[A]

But some might be accruing interest still.

[B]

Yeah.

[A]

$30,000. $30,886.36. So what did you do before, school wise? Can you bless me with something? Oh, gosh. Money wise. Yeah.

[B]

That's when I was in school for a music performance.

[A]

All right.

[B]

And then I was living on my own at the time and then dropped.

[A]

Great. So you already have $30,000 student loans for music performance. Yeah, that was about what I got.

[B]

University. Yeah. So that one I'm trying to. While I'm in school, they're deferred, and it's helping me.

[A]

Yeah.

[B]

Stay.

[A]

Yeah. But we're gonna have to pay it back. And that's like a middle payment of 350 bucks. When you get it, there's the anesthesia. This is the anesthesia?

[B]

Yeah.

[A]

Okay. Of which you owe a total of what, three?

[B]

It's at the top there. 305.

[A]

That's the total?

[B]

Yeah.

[A]

That's not the minimum.

[B]

That's the total.

[A]

Okay.

[B]

It's not a lot.

[A]

Do you know the minimum or are you just chopping it? Okay, so anesthesia. $305.95. Interest free, I assume.

[B]

Yes.

[A]

51 minimum to payment.

[B]

And so that'll be almost done. That only takes like 6 months to pay off.

[A]

Yeah, it's not the worst. And then here's the hospital bill.

[B]

That one's $85 a month.

[A]

Also not the worst. I just don't like that. Now we're putting it on a.

[B]

Both have been. So I took all of my credit cards out of my wallet. I don't carry them anymore. I don't have them attached to anything. I canceled everything on it. Nothing charges onto a credit card. And moved both of those payments to my debit card.

[A]

$79.64 minimum to payment. 85. Okay. Probably interest free as well, Right. That's all your debts, correct?

[B]

Yes.

[A]

Done. Checking account. Let's see. Started with 1691. Oh, my goodness. Dude, I'm seeing a lot of bullshit in here.

[B]

Yeah, there's a lot of bullshit.

[A]

Insane. You're putting minimum payments on credit cards, yet you're spending this much on. That's unacceptable. That is disgusting. That is horrendous and unacceptable. And we ended with a thousand five hundred. Okay, wait, there's an extra loan in here. What is this 14 thing? Quick loan.

[B]

Oh, yeah, it's like.

[A]

It's an extra loan.

[B]

Yeah, it's a thousand dollars.

[A]

What? What is it? What is it?

[B]

So it was a. It's kind of like the net credit. It's a line of credit. It's a line that I can pull from.

[A]

Oh, it's a thousand dollars. You maxed it out by the end of the month at a 14 interest rate. Minimum payment of what, 50?

[B]

Yeah.

[A]

Sake. All right. And in here? Well, we put our debt minimum payments on credit cards. We went in Pokemon, we spent 11 hours on Pokemon. VGW 99. We don't even know.

[B]

I think that was Kindle 13.

[A]

McDonald's.

[B]

I canceled that.

[A]

Lucky Land, Starbucks, Buffalo Wild Wings. More Pokemans. Lucky Land.

[B]

That was the star.

[A]

Then Starbucks, Amsterdam. Oh, vending machine. Great again, 25 cents a serving. Stop around. It's like meal prepping, except easier. Lucky Land.

[B]

That was the slots.

[A]

That's more slots.

[B]

That. No, that was all of the slots.

[A]

No vgw, netflix going in. And getting some bull. 25 cents a serving. Chick Fil A going in and getting some bull. Chick Fil A Vennie Machine. Sonic. Starbucks. Sonic. Going in and getting some bull. Steam games, $82. Pokeman's. Wendy's. Going in and getting some bull. Wendy's. Uncanny.com. uncanny.com. What the is that?

[B]

That was a trading card shot up.

[A]

Stop. It's a new form of gambling.

[B]

Yeah, that was something that. That Mark got me into. So.

[A]

VGW is an online casino. That's what that is, by the way.

[B]

Oh. So probably just the.

[A]

It's more slots.

[B]

It's the same slot, but it sometimes comes out at a different charge. I only ever use the one going.

[A]

In, getting some Starbucks. Heyday Mountain. It's an in game on an app. Lucky Day Baskin. Coney Island. Amazon. Sonic Heroes. Collectibles. Starbucks.

[B]

Yeah.

[A]

Uncanny. There it is. Cash app. Oh, looks like you got some bullshit. McDonald's, Burger King. Freddy's frozen custard. Amazon. Taco Bell. McDonald's, Starbucks. Lucky Land. Lucky Land. Vending machine. Panda Express. This is insane. This is insane. In app purchase. Amazon Prime. Amazon Prime. Mabo's Food. Gambling. Lucky land. McDonald's Marshalls. Going in, getting some bull. McDonald's, Wendy's, Amazon. In app purchase. Oh, going in, getting some bull. There's gambling right there. Taco, by the way. No, June was. No, this was. Yeah, last month. This was just a couple weeks ago. This gambling. Taco Bell, McDonald's. Cracker barrel. Gambling. Another dollar 99 gambling. 99 gambling. 99 gambling. 99 Gambling. And it was not 500. You're at least 800.

[B]

That was. Was that.

[A]

Come on.

[B]

That was in July, right?

[A]

Yes, last month. This is. This is insane. Oh, another 99.99. Okay. We're easily over a thousand.

[B]

Yeah.

[A]

500. Well, when I said last month, you said 500. Come on. Oh, yeah.

[B]

Yeah.

[A]

That's okay.

[B]

This.

[A]

This was so going from like a thousand two hundred to five hundred. Yeah, still not great. Dairy Queen, Chick Fil. A. Sonic. Gambling, gambling, gambling, gambling. Every time. A hundred dollars. We're approaching about 2,000 now. McDonald's racing canes. Taco Bell. Gambling, gambling, gambling. Popeyes, Nintendo, Sonic, Spotify. Gambling, gambling, gambling, gambling. Chicken Express. I joined a group, buddy. I joined a group. Amstar. Vending Machine Donuts. McDonald's. This is crazy. McDonald's, Burger King, Panda Express. Gambling. Sonic, Pokemon. Going in against the bull. Vending machine, vending machine, vending machine. This is insane. We've also had fees on the cash advance. Bullshit. This Year so far and I don't see savings to save my dick. The thing is, we know you're dramatically over budget already. I'm so. This is gonna be so.

[B]

There was something that I like was considering, but obviously not until I could kind of figure everything out when it comes to sticking to it.

[A]

Bankruptcy.

[B]

There's a debt relief program that could lower like the. Take all the credit cards and loans into one and it drops the payments from like 1100 to like 357. And it's something. I was open.

[A]

Just the credit cards though.

[B]

Remember your cards and the loans, not the car loans.

[A]

Well, the car loans alone are almost 80 of your income. So I still, I still don't think we even like break even because then you got rent and you got.

[B]

It's just.

[A]

This is going to be interesting. You're lucky the student loans are deferred right now because you're.

[B]

Oh.

[A]

Also, I don't want you to do a consolidation again. Didn't you just do it a couple months ago? Like, what are we doing?

[B]

The loan didn't come out. Like this would be a lot more. It would cover a lot more.

[A]

Let's not even think about that yet. Let's focus on changing behavior because here's the thing. Your minimum payments, 3,002.21. That's what your student loans are deferred to. That is crazy. That is crazy. What's your rent?

[B]

1425-1450.

[A]

And we're over. Including dispersed months. There it is. That was it. And now we're over. We're over by 400 just like that. Including doordash, net, including pay, including the payouts that sound like a slur. And including the disbursement while you're in school. You're already over by 400. But let's continue. Internet, water, gas, electric, utilities, all combined.

[B]

So water and stuff's in the rent. The electric bills normally around like 80. The. So about 130 bucks for. For electricity.

[A]

Phone bill.

[B]

$30.

[A]

That's not bad. Gas, Vroom, vroom. Drive, drive.

[B]

Maybe like 150 at most.

[A]

Car insurance is 386. It's another reason to just kind of. Oh, sell it. Just sell it. Necessary food. We could do 300. Use the meal plan that you get in the budgeting class and use the cookbook. You just warm up your food meal plan a couple times a week. And again, no more vending machines. TP fund, $100. Anything else you need to survive. Medical, health care, co pays on a monthly basis.

[B]

So co pays is once every three months. It's $30.

[A]

I'll put 10 bucks. And then gym. How much?

[B]

So I don't go to the gym anymore. We go running in the park. So it's like $2 every time we go to park. Okay, well.

[A]

Ford Blue Cruise hands free.

[B]

Highway driving takes the work out of being behind the wheel, allowing you to relax and reconnect while also staying in control. Enjoy the drive in blue cruise enabled vehicles like the F150 Explorer and Mustang Mach E available feature on equipped vehicles Terms apply. Does not replace Safe driving. See ford.com bluecruise for more details. And it's like 10 bucks.

[A]

Oh really?

[B]

Yeah, we go 20 bucks a month. Yeah.

[A]

So 30 for medical healthcare subscriptions. I try to do about 30, I guess. You have any pets?

[B]

No, thank goodness. Yeah. Subscriptions are less than that actually because it's just Netflix, Amazon.

[A]

I'll call it 20.

[B]

But Netflix and Amazon and Spotify. That's it. And Nintendo. That's it. They're all student based, so they're all pretty cheap.

[A]

You have to probably let your credit cards go to collections for this thing to work. Right?

[B]

Right, yes. So they say that I should stop making the payments and just pay them. So it would be $357 a month that I pay them.

[A]

Yeah. $5,542 to survive right now. That's not even close. That's not even close. This is impossible. This is impossible. Except it's not. You have two options. There's that. Well, yes, I would just stop paying the debts now. Okay, honestly, even including the Silverado.

[B]

Well, the hard part with the Silverado is just. It's not just my credit. I was signed on it. Trust me. I thought about letting it go, but I can't do that to. Even though we don't talk, I still won't do it.

[A]

Okay, let's get a job closer to you and get rid of the other car and then just drive the Silverado to the closer work.

[B]

Yeah.

[A]

Cause we can't have these two car payments that doesn't work. Just let it go. Not even sell it. Just let it go. And then after you change behavior in three months, either do this thing but honestly even more in order to get rid of the. Essentially you're gonna do a voluntary repo on the Kia once you get a closer job. And then we're just doing bankruptcy. We're doing bankruptcy. Used it now, won't be able to for the next seven to 10 years. And it's gonna you for a While credit wise. But you need a fresh start, and it's the time. And even still, you're gonna be with the Silverado police. That'll be our only debt, not including student loans. But it's time. But you need to change your behavior for a minimum two months before you do that. And you can stop paying on that debt. Except for the cars for now.

[B]

Okay.

[A]

Voluntary repo. Once you get a closer job on the Kia, that's it, man. That's it. Because there's no way out of this. By piling through, plowing through, you're. You just. Your income jump would just be substantial. In order to even make any kind of progress, it would have to be multi. It would have to be at least like. Like 3,000 bucks extra, you know? And that's, like, crazy. You'd have to just be the best car salesman in the world all of a sudden.

[B]

Yeah.

[A]

In your job, you're not getting out of college for a better job. And, you know, for a couple years still. So that's what I would do. Let's get a Hammer Financial score. But I will say, apparently there's something incredibly insane we got to talk about in the post show. All right, well, I'm excited, so. But let's get his Hammer Financial score. Spending a budget. You overspend. 0 out of 10 debt. Dude, I'm. There's no way. This is not a just. It's. There's no IRS or collections, but it's as bad as it gets. 1 out of 10, essentially, without that emergency fund, there's nothing. 010 retirement, there's nothing. 0. Out to real estate, there's nothing. 0 to 10. Hammer financial score rounded up out of generosity. 0.5 out of 10. Hit that join button. Join Hammer Elite for an extra 20 minutes of this and every single episode in the post show and three premium shows posted every single day, Monday through Friday. We'll see you there.

[B]

This is something we wanted to say.

[A]

For behind the paywall. Your friend's boyfriend is attracted to you who's kind of moved in and milks you kind of.

[B]

Yeah.

[A]

What the.

[B]

But then there's also, like, drunk messages I've gotten from him since. They were like, you're a better friend than you know he deserves.

[A]

I think the new addiction is.

[B]

Is the new boy toy.

[A]

Your life is so messy. What? The Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join, that's a promise.