The Internet's Biggest Freak | Financial Audit

Summary

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Financial Audit with Caleb Hammer

Episode: "The Internet's Biggest Freak | Financial Audit" (June 18, 2025)

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Episode Overview

This episode features Matt, a 28-year-old from Everett, Pennsylvania, as he undergoes a candid "financial audit" with host Caleb Hammer. The conversation delves into Matt’s struggles with impulsive spending (primarily on anime figures and merch), severe debt accumulated through gambling, his reliance on parental support into adulthood, hyperfixation on hobbies, and ongoing challenges in finding motivation and independence. Caleb uses his signature blend of direct, irreverent humor and practical financial advice to dissect Matt’s finances and broader life choices.

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Key Discussion Points & Insights

1. Matt's Background and Financial Situation (01:22–06:00)

• Job: Project Manager at a countertop company, earning $3,400/month after taxes, working ~50 hours/week.
  • "I don't know what my job is. I just work there." (01:36)
• Debt: Initially self-estimated at $50,000, but as Caleb details, it’s actually $85,322.52, spread over multiple credit cards, personal loans, and family loans.
  • "Oh, for fck's sake. It's $85,322.52."* — Caleb (04:50)
  • Matt underestimates or doesn’t track specifics.
• Living Situation: Rents alone in a property owned by his dad for just $450/month. Often late on payments.
• Parental Involvement: Mother regularly adds money to his account when it’s overdrawn; reliant on family for many basic supports.

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2. Spending Habits & Addictions (06:36–13:00)

• Hobby Hyperfixations: Cycling through expensive hobbies—was spending $1,000+/month on anime figures, now intermittently spending hundreds on merch, skincare, stationery, and other fleeting interests.
  • "I was spending about $1,000 a month, maybe a bit more last year [on anime figures]." — Matt (06:49)
• Goon Cave: Massive collection of figures/posters, some explicit (“tits galore”) and a $5,000 hat ("kind of ruined now"). Caleb jokes about the state of Matt's room and pursuit of "goon material."
  • "You lost $3 million. That's insane." — Caleb (00:54)
• Financial Disregard: Routinely prioritizes hobby purchases over rent and debt payments.
  • "If you are not paying your rent on time...how are you gonna live on your own?" — Caleb (35:07)
• Gambling: Lost approx. $60,000 over two years (stock speculation, sports betting, especially around meme stocks like GameStop and Russian table tennis), funded both with own savings and multiple high-interest loans.
  • "Most of that was within two months, like 40,000." — Matt (59:28)
  • "You live a dangerous life. You are beyond addictive personality." — Caleb (60:14)
• Subscriptions: Ongoing subscriptions for anime/manga, Audible, OF, DoorDash, and more.
• Coping & Motivation: Struggles with motivation, self-discipline, and coping strategies; acknowledges severe autism and ADHD as factors.

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3. Family Dynamics & Enabling (13:30–15:00; 65:39–73:12)

• Coddling & Enabling: Parents provide subsidized rent, job through father's business (which Matt feels obliged to keep), direct cash bailouts, and no real consequences for financial irresponsibility.
  • "You're just spoiled, coddled to your own detriment." — Caleb (81:13)
• Confronting Family: Caleb presses Matt to have frank conversations with his parents; live on air, Matt calls his dad to confess the scope of his debts and gambling problem.
  • "I had $30,000 in savings. I lost it all, and I accrued $20,000 of bad debt because I was gambling and I'm still gambling." — Matt (70:54)
  • Father's reaction is muted, offering support rather than tough love.
• Plan for Change: Caleb urges Matt to assert financial independence (no more mom in bank account, plan to move out, pay rent to non-family).

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4. Self-Awareness, Neurodivergence & Social Issues (04:17–16:00; 26:48–27:29)

• Neurodivergence: Matt openly discusses being autistic and having severe ADHD, using it as a partial explanation for compulsive spending and social awkwardness.
• Relationships: Struggles with dating (toxic long-distance Discord relationships, often isolated socially), isn’t currently dating, and has few in-person friends.
• Lack of Purpose: Frequently expresses feeling lost in career and life; isn’t sure what he wants to do, but interested in more math- or tech-based work if possible.
  • "What should I be doing? What's the purpose? ... I don't know." — Matt (11:12)
• Desire for Change: Agrees leaving Everett and experiencing independence would be beneficial, but lacks concrete steps or confidence on how to proceed.

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5. Caleb’s Advice and Action Steps (96:00–End)

• Debt Repayment: Aggressive focus on paying down high-interest "bad debt" ($37,582), suggesting extra jobs to free up potential for independence in 2–3 years.
• Career: Pushes Matt to find better, more fulfilling work more aligned with skills/interests.
• Budgeting: Strongly recommends closing all credit cards, using only secured debit-style cards to avoid further debt ("No credit cards. They’re like sugar in the house.").
• Social/Life Changes: Encourages building real-world social connections, moving from parental dependency, finding healthier hobbies/coping strategies.
• Therapy: Recommends that Matt work with a therapist on impulse control, addiction, and building coping skills.
• Financial Independence: Caleb stresses personal responsibility and warns against continued reliance on family:
  • "Mommy in the checking account? Not anymore. They’re keeping the roof overhead? Not anymore. Need you to get out there." (26:23)
• Final Challenge: Calls for Matt to sell his anime collection to pay down debt and reconsider priorities/lifestyle.
  • "What's the goal? Is the goal goon tits all around the room? Or is the goal moving away and having a little bit of independence and separating from mommy and daddy?" — Caleb (37:40)

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Notable Quotes & Memorable Moments

• Hyperfixation & Impulsivity
  "I get into certain interests every now and then... That's dangerous. And that’s always very expensive." — Caleb & Matt (04:25)
• On Debt Realization:
  "It is not $50,000. You think your debt's $50,000?... It's $85,322.52.” — Caleb (04:50)
  "I don't believe that. How’s that? Where'd that come from?" — Matt (04:53)
• On Parent-Enabled Irresponsibility:
  "You're late sometimes because it's your dad, huh?” — Caleb (13:58)
  "I'm taking advantage of their kindness a lot of the time.” — Matt (14:10)
• On Gambling Losses:
  "I probably lost $60,000 in gambling overall." — Matt (58:47)
  "You lost $3 million. That's insane." — Caleb (00:54; calculated as lost opportunity cost in long-term investing)
• On Coping Skills:
  "Impulsive desires as opposed to something more solid." — Matt (49:45)
• *Credit Card Use:"
  "I don't think my past is reflective that I can be trusted with credit cards." — Matt (43:24)
• On Moving:
  "Hopefully go to a place where you can find a community, really settle down, get some exposure from the world. And disconnect from our parents financially and life-controlling.” — Caleb (26:23)
• On Addiction Cycle:
  "It’s gambling to anime. You get hyper fixated and then you don't care about the consequences." — Caleb (79:23)
• On Taking Action:
  "Pick up a second job, pay off this debt quicker... and you go use it as first month's, last month's, security deposit, and you move somewhere and live a little bit of independence." — Caleb (96:36)

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Important Segment Timestamps

• Debt Realization and Breakdown: 04:50–05:56
• Anime Figure Spending/Collection: 06:36–07:00; revisit 29:42–31:06
• Rent and Parental Enablement: 13:58–15:01
• Gambling Confession and Call to Dad: 57:39–71:55
• Hyperfixation Hobbies (including Skincare): 91:16–92:27
• Budget, Minimum Payments, and Action Steps: 95:15–96:46
• Closing Thoughts & Caleb’s Recommendations: 96:46–End

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Tone & Style

• Highly conversational, direct, irreverent, and sometimes crude—open jokes about sexuality, neurodivergence, and "goon caves" underscore the vulnerability and unfiltered approach of the show.
• Caleb balances tough love (“That’s not a reason—that’s an excuse.”) with moments of encouragement and actionable advice.

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Takeaways for Listeners

• Matt's case is a stark cautionary tale: how easy access to consumer credit, impulsive spending, and addiction can devastate not just personal finances but long-term life goals.
• The importance of honest self-assessment, boundaries with family, and addressing root psychological issues (such as gambling addiction and ADHD) as equally vital as any financial strategy.
• The episode is a mix of raw personal revelation and hard financial numbers—a transparent, sometimes cringe-inducing look at the impacts of compulsive behavior and familial enabling.

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Conclusion

This episode is both a financial intervention and a portrait of a young man navigating mental health, addiction, and delayed adulthood. Caleb’s advice is uncompromising but constructive: Matt must curb impulsivity, seek independence, and take tangible steps toward self-determination if his financial—and personal—future is to change. The episode is a must-listen for anyone struggling with the intersection of neurodivergence, addiction, and money.

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Transcript

[A]

You say you'll never join the Navy.

[B]

Never climb Mount Fuji on a port visit or break the sound barrier. Joining the Navy sounds crazy. Saying never actually is.

[A]

Learn [e-mail] America's Navy forged by the sea Support for this podcast and the following message comes from America's Navy. The Navy offers new graduates hands on training and experience in careers like computer science, aviation and medicine. Plus education and sign on bonuses. Parents help your grads start their career.

[B]

[e-mail] to watch episodes of Financial Audit a week earlier. Check us out on YouTube. Dude, I don't want to know how many crusty socks are in this room.

[A]

I collect anime figures.

[B]

What did you spend on anime figures?

[A]

I was spending about a month, maybe a bit more. Yeah. Run out of space.

[B]

Yeah, because you keep buying goon material.

[A]

I worked hard for that.

[B]

You lost $3 million. That's insane.

[A]

Yeah, it's not.

[B]

Oh, my God.

[A]

Oh. Most of that was within months.

[B]

What the. Download my budgeting app today and take control of your money once and for all. And for a limited time only. Sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

[A]

Hi, my name is Matt. I'm 28 years old and I'm from Everett, Pennsylvania, and this is Financial Audit.

[B]

Nice to meet you, Matt. Thanks for coming down. What do you do up there for a living?

[A]

I'm a project manager for a countertop company. Yeah, I do lots of things. Actually. I don't know what my job is. I just work there. Employee Project manager? Yeah, I guess.

[B]

Do you not do project management?

[A]

Well, I have like 60 or 100 jobs at a time and then I look over them and make sure they're going okay. But you know, if there's people, we don't have fabrication in time off to spend a Sunday fabricating by myself, which sucks.

[B]

Really. Oh, okay.

[A]

I'll listen to Caleb Pamer, Financial Audit when I'm doing that.

[B]

Well, thank you. And now you're here. You're on it.

[A]

Although the sound quality is terrible in the boombox, so.

[B]

At what?

[A]

Yeah.

[B]

Where?

[A]

When I have it on the loudspeakers, I can't hear you.

[B]

Why?

[A]

I don't know. Sound quality is terrible.

[B]

We'll look into it. I guess. I don't. Okay. What's your income?

[A]

$5,000. Well, 5,000 before deductions and tax.

[B]

So what's your count in monthly basis?

[A]

3,000 or 1,700 BI weekly, which would be 3,400. And then there's an extra month there, extra week, and I think it's always January and August, but I'm not too sure.

[B]

But we'll budget for that. 34.

[A]

Okay.

[B]

Okay. What do you got there?

[A]

A book.

[B]

Did you bring a book material for. Is it financial?

[A]

No. Notes? No, I do have financial notes, but yeah, that's just a math book.

[B]

Math book?

[A]

Modern Approximation Theory.

[B]

Yeah, sure, why not? I'm not good at math, so I respect it. We need people who are. What's going on? What are we talking about? What's happening in your life?

[A]

Um, I. I'm in, I think, like, $50,000 of debt right now. You know, come on, things.

[B]

Why?

[A]

Why? Well, I made bad mistakes.

[B]

Okay. But mathematically, what's been happening, I'm probably.

[A]

Spending more than I should. Probably could be making more money, you know, stuff like that.

[B]

Okay, so with you spending more than you should.

[A]

Yeah.

[B]

What does that look like? And why is there no self control? If you're recognizing this when you're able to sit down and read that book, you'd think you'd be able to sit down and make a budget. Why aren't you following it? Like, what's happening? Why are you going out and doing all this? Are you even aware of what you're doing? What are you spending your money on? I have so many questions.

[A]

Okay.

[B]

And the first one is, are you autistic?

[A]

Yeah. Yeah.

[B]

Okay. Second one, what are you spending all your money on?

[A]

Multiple things. I get in certain interests every now and then.

[B]

Like hobbies. You fall down the world of hobbies.

[A]

Yeah. Yeah. Okay. Yeah.

[B]

That's dangerous. And that's always very expensive.

[A]

Yeah, it is. Especially if it's like a collecting hobby.

[B]

$50,000 to hobbies.

[A]

Yeah. Yeah, probably.

[B]

Do you have anything to show for it that you could just sell, get out of at least a lot of the debts?

[A]

Yeah. Yeah, I think I.

[B]

Okay. It is not 50,000. You think your debt's 50,000?

[A]

Yeah.

[B]

Oh, for sake. It's $85,322.52.

[A]

I don't believe that. How's that? Where'd that come from?

[B]

Math.

[A]

Okay, I don't believe it. We'll have to go buy each one, I guess.

[B]

Capital One, Quicksilver, Capital One, Platinum genius, bank loan one main financial car loan, PayPal, credit card, student loan number one, student loan number two, student loan number three, student loan number four, upstart loan, and parents.

[A]

Okay, I probably overestimated parents then. Yeah.

[B]

$85,322.52.

[A]

Okay. That doesn't math to me. But we can see.

[B]

We can see.

[A]

Yeah.

[B]

I mean, you seem like a guy that gets kind of a little locked into numbers, right?

[A]

Yeah.

[B]

Why would you not know how much debt you have? Why would you guess so much, substantially lower than what we have from literally just your documents?

[A]

Because that's not the notes I have.

[B]

I don't know what notes you have. That looks like a manifesto, so I don't.

[A]

Yeah, but we'll see.

[B]

No, why do you think it's different? I'm genuinely curious. Because this has to do with how you're managing your finances.

[A]

It's $12,000 of one main financial. And then it should be like $5,000 at most for upstart, $5,000 at most for gynus. No. Yeah. So there's where we're having the description. See, I can't read that. But yeah, some of those.

[B]

No, some of those numbers are wrong.

[A]

Okay, well, maybe. Because they probably showed the payoff amount. Right.

[B]

We'll go through.

[A]

Okay.

[B]

We'll find out. But I'm very curious.

[A]

Okay, me too.

[B]

So why.

[A]

Okay. Yeah, so because that's like 85,000. That's a lot more than what I thought.

[B]

Yeah. That's a scary amount for sure. So what do you spending. What hobby are you in right now? Draining.

[A]

Well, before I collect anime figures, which was a significant amount earlier, I've kind of gotten away from that a little bit more now.

[B]

Anime figures.

[A]

Now I'm in between hobbies.

[B]

What did you spend on anime figures?

[A]

I was spending about $1,000 a month, maybe a bit more last year.

[B]

And what can you sell your anime collection for?

[A]

I estimate like 20,000.

[B]

Okay, but you also estimate.

[A]

Yeah, I did estimate. That bad. Yeah. Well, okay, that's fine.

[B]

Maybe we stop reading theory and we start reading reality.

[A]

Okay.

[B]

Math.

[A]

Yeah. Huh? Yeah.

[B]

Okay, listen.

[A]

Theory.

[B]

Huh?

[A]

Theory and reality. Yeah. All right.

[B]

What do you got going on in your life, Dude? So we got this job.

[A]

Yep.

[B]

It's exciting. How many hours a week are you working?

[A]

50. If 50 would be 50.

[B]

You're not making very much for 50.

[A]

Yeah. Would that be like $22 an hour?

[B]

Yeah. But what do you want to do? Because you seem like you might, you know, be an intelligent person. I think maybe below the skin. Yeah.

[A]

Yeah. Below the skin.

[B]

Like present. I think you're probably smart.

[A]

Okay. Okay. Thanks.

[B]

So what should you be doing? What do you want to be doing? I feel like you're underutilized.

[A]

Yeah. I mean, I would definitely like to do Something more math based. Tech based. Do you have a degree? Yeah, I have a degree and I'd say liberal arts, but some math.

[B]

But you're working as project management. What would you want to do? What can we get into?

[A]

I don't know. What can you get into?

[B]

I was hoping the person that wanted to get into it would have a little more insight.

[A]

Yeah, I mean I think I probably.

[B]

I don't know what the industry is like in Everett, Pennsylvania.

[A]

Yeah.

[B]

We might have to move to a bigger city.

[A]

Yeah.

[B]

Oh. I thought I was autistic. I really did. We can combine artisms together and create a super super strength.

[A]

What's the super strength?

[B]

Super tism.

[A]

Super Tism.

[B]

Like a conquer the world level tism. Super like never seen before.

[A]

Never seen before. Greatest tism of all time.

[B]

We sure could. Why do I have a note that you are oftentimes late on rent though?

[A]

Yeah.

[B]

Because you make money. You do make money. Even though I think you could probably do better. I mean you spent a lot on anime. Comes before rent. How much is your rent?

[A]

450.

[B]

You can't pay $450 in rent. That's so cheap. That's like nothing rent wise.

[A]

Yeah, it's pretty cheap in Everett, Pennsylvania.

[B]

Yeah. So why aren't you paying it?

[A]

I'm. Sometimes I'm a month late or a couple days late.

[B]

Why? But that's not why. That's not an answer. Why? That is what is happening. What's the why?

[A]

I probably don't. I don't have a budget. Or why. I probably don't. But you're such a math guy.

[B]

Why don't you budget?

[A]

Well, if I know I'm going to be able to pay it late until. Wait till the next payday and then maybe wait till the next payday after that.

[B]

Why do you have to wait?

[A]

Because I don't have money in my bank account because I'm over anime.

[B]

So anime is more important than rent?

[A]

Yeah. Yeah. I mean sometimes I overestimate things or I don't see things come up. Okay.

[B]

The budget. I mean you're a spreadsheet guy, right?

[A]

Yeah. Yeah. Maybe I don't use the spreadsheet for budget.

[B]

What do you use?

[A]

I just write it down in my head. Sometimes I use a spreadsheet.

[B]

Write it down in my head?

[A]

Yeah, write it down and keep it in my head because I'll lose the paper.

[B]

So maybe we should use a computer.

[A]

Yeah.

[B]

Or notes.

[A]

I've tried using. I've tried using Monarch and I've tried using Rocket money.

[B]

But Monarch's okay?

[A]

Yeah.

[B]

Market money is better.

[A]

Is it okay?

[B]

So what, it just doesn't matter to you? Do you not care?

[A]

Maybe. Maybe that's part of it. Lack of motivation. Lack of.

[B]

So what would the lack of motivation stem from? In your own mind. What do you think?

[A]

Like, I just, you know, trying to figure out what to do in the future sometimes. That's.

[B]

What does that mean? What are you trying to figure out? Well, what's the question?

[A]

Pretty grim, like.

[B]

Grim? Are you dying?

[A]

No. Okay, well, we're all dying.

[B]

But what's grim?

[A]

Like, what should I be doing? What's the purpose? Where. What should I be doing? You know, I don't know.

[B]

I guess we could all kill ourselves.

[A]

But no, not really. Like.

[B]

Well, I don't know. We're just living. I mean, you're living. You got to find purpose in your everyday things. Are you in a relationship?

[A]

No.

[B]

Do you date?

[A]

No. I had long distance relationships that were pretty toxic, but, yeah.

[B]

Why are they toxic?

[A]

Because the people were toxic.

[B]

What about it?

[A]

People were toxic.

[B]

What was toxic, though?

[A]

Manipulating freak outs on me, Stuff like that. It might be my personality against them.

[B]

Do you date women or men?

[A]

Both, but women.

[B]

I felt the vibe. Oh, really?

[A]

Yeah.

[B]

Oh, okay. Okay. It's June, so I really felt some gay energy coming across the table.

[A]

That's dinosaur month, huh? It's Dinosaur month.

[B]

Dinosaur month.

[A]

Yeah. June.

[B]

Dinosaurs and trains, huh?

[A]

Yeah. Okay. Trains are great.

[B]

I bet they are. Okay, so. But. Okay. I'm just trying to find something for you to latch onto so that there is a purpose. Career wise, it doesn't seem like you know what you want to do. Okay. Goal wise. Have you ever tried to. Do you want to get a house? Do you. What are things you're looking forward to? What do you want to do? Maybe you need to live, leave Everett. Because it's small and you should explore life a little. Are you from Everett?

[A]

Yeah. Yeah. Yeah. I was born in Everett. Yeah.

[B]

Okay. So it might be time to escape, right?

[A]

Maybe. Yeah. I don't know where to escape to.

[B]

Anything. Okay, Everett, listen.

[A]

You're.

[B]

You're close to Baltimore. You're close to D.C. yeah.

[A]

It's. You're close to Pittsburgh.

[B]

So go to any of those cities.

[A]

Two hours from Pittsburgh, two hours.

[B]

Any of those cities, you have some exposure to light.

[A]

My sister lives in Philadelphia, so that's a good place to go. Okay. Yeah. Yeah. Yeah.

[B]

So do you live with. Who? Do you.

[A]

What do you.

[B]

What's your living situation?

[A]

I live alone.

[B]

Okay.

[A]

I don't have a cat.

[B]

Why is rent so cheap? You don't have a cat? Is that what you just said?

[A]

I don't have a cat? No. Okay.

[B]

It's a very specific thing. Okay. I did not ask. Okay. All right. Just you. No roommate. Who are you renting from? Someone you know.

[A]

Yeah. Yeah.

[B]

How do you know them?

[A]

It's my dad. And. Yeah.

[B]

Okay. Okay. So that's why you're late and you.

[A]

Don'T give a. Yeah. It's not good. He's. I think I'm taking advantage of their kindness sometimes. A lot of the time.

[B]

Yeah, probably. So what are you doing to change that?

[A]

It's a good question.

[B]

I would love a good answer. Why do nothing?

[A]

It feels like I'm not doing anything. I mean, I could start by paying rental time. That would be decent.

[B]

It's a good start.

[A]

Yeah. Probably making myself more competent in general would be good.

[B]

Well, you're not an incompetent person. Come on. You're socially awkward. You're not dumb.

[A]

Socially awkward. Yeah.

[B]

Well, probably right.

[A]

Yeah, probably right. Am I throwing those vibes at ya?

[B]

No. You're autistic.

[A]

Yeah. Yeah, yeah, yeah.

[B]

It's not a bad thing.

[A]

Okay.

[B]

Yeah, but that doesn't mean you're not able to make decisions.

[A]

True. How do you know which decisions are the right decisions?

[B]

Well, you look things up. You become educated. You ask for advice. Do you do any of that? What do you do?

[A]

I get stuck on what to do.

[B]

Okay, so no dating to hold onto. When was your last relationship? I need something for you to latch onto.

[A]

Yeah, I had a relationship. I think. I don't know. I think. You don't know March. Well, I'm trying to think of dates.

[B]

Just about.

[A]

Yeah, About March is when I broke up with him.

[B]

That's when it ended. Him?

[A]

Yeah.

[B]

I told you, it's June. Be who you are.

[A]

That's the only one that was a him.

[B]

Stick it in the butt. I get it.

[A]

Oh, gosh.

[B]

It happens. We've all done it.

[A]

I don't think I'll go back to that.

[B]

Don't be homophobic.

[A]

Yeah, it is June.

[B]

Just call me a Jew.

[A]

No, it's June.

[B]

This is a weird conversation. Okay. Was it a Discord relationship?

[A]

It started on Discord. Yeah. How'd you know that? Oh, I got it. What? How'd you know that?

[B]

I know you, okay? I know you.

[A]

Have we met before?

[B]

No, but we all. You know, when you meet enough people.

[A]

Okay, gotcha.

[B]

Maybe I'm a sidekick. Okay, okay, okay.

[A]

Last one I met already.

[B]

Are you trying to date? Because I need you to have a hope for life. If you're actually in the situation where you're like, what's the point? There is no point. There actually is not a point. If there is no point, you have to find your purposes.

[A]

No, I'm really not looking today. I'm just going to, like, when I tell my mom I'm.

[B]

What ambitions do you have?

[A]

I'm working on myself. Okay.

[B]

Do you want to rent from someone that's not your parents?

[A]

Yeah. Yeah.

[B]

Why do you rent from them specifically?

[A]

Well, because I was. When I moved out, I was getting an apartment and they're like, well, because, you know, I had it all set up to get an apartment somewhere else. And they're like, just go in here. It'll be nicer.

[B]

Oh, so they're enabling. Oh, they're coddling beyond coddle. Oh, that is not good for you. And look how it's turned out. Yeah, you just don't have anything to. You look. Okay, how's your friend situation? Everett?

[A]

I don't have many friends, and Everett, I have discord friends.

[B]

Okay. Where. Is there, like a best friend?

[A]

No. Maybe. I mean, I have friends that I go.

[B]

Where does this person live?

[A]

Oh, there's people your favorite right now.

[B]

That you would want to right now. Someone that you would want to hang out with on a consistent basis.

[A]

Maybe Canada or Texas.

[B]

Okay, Move to Texas then.

[A]

Okay.

[B]

Be around them. I need you to have a reason. If there is no reason, then there is no reason. That is true.

[A]

To a certain extent that makes sense. Well, I mean, I think I.

[B]

It's not me, is it?

[A]

No.

[B]

Okay.

[A]

Oh, I didn't understand, but yeah.

[B]

No. Okay. Okay. I'm also not gonna bottom for you either, so. What?

[A]

What the. Hold on.

[B]

What?

[A]

What?

[B]

Did you get the joke?

[A]

No.

[B]

Oh, okay. Okay. Lindsay told me this, telling me before we go into the finances. I'm just trying to get you. I'm trying to understand, and I'm honestly, I am going to struggle of like, hey, we got to do this, this, this in order to do this, because I don't know what the you want to do, and that is going to be hard, but I'm going to at least try my best to help you through your finances and kind of assess where you are and make the math work and figure out where you should go. But Lindsay told me you want to show me something.

[A]

My pencil sharpener.

[B]

You are carrying a round of pencil sharpener?

[A]

No, this thing's great.

[B]

Caleb, I didn't.

[A]

It was bad look at this. It applies the pressure constantly, so it's always gonna be the same sharpness.

[B]

This is the most excited you've been this entire conversation.

[A]

Okay. Yeah, yeah, yeah, yeah, yeah. And then you can make it. You have to make it short. I like to do it with my blackwing pencils, but I don't have my Blackwing pencils right now.

[B]

Okay, well, I'm not racist like that.

[A]

Yeah, well, they come in white, too.

[B]

But thank goodness.

[A]

You don't know those pencils.

[B]

No, I don't. What? I used a pen.

[A]

Oh, my gosh. Pens are good.

[B]

Is it gonna sharpen?

[A]

Yeah, yeah, yeah. I added that in right now, but it's already pretty sharp.

[B]

It's very messy.

[A]

No. Doesn't go anywhere. Okay. Oh, God. When you take it out, it goes everywhere.

[B]

Caleb, why did you do it? Well, I had to show you.

[A]

Right. Okay.

[B]

What else?

[A]

I drew my pencil box. Huh? What else?

[B]

Is there anything else?

[A]

No, I don't.

[B]

What else is in your magic backpack? Lindsey wants to know stuff. In my backpack? Can we see?

[A]

No. Cause it's mostly just clothes. I flew here, so I had to do the carry on, backpack sort of deal. Just put everything in there.

[B]

Anything else I should know about you so that I know you as human, so that it makes sense? As we're assessing your finances, I will tell you this. We know it comes in 3,883 usually. Of course, last month was 3,040. From income. PayPal is 589. What's that, 589 total?

[A]

Not one time, 589. It's probably figures.

[B]

Why did mom send you $245?

[A]

Cause she. She's linked to my bank account, so she probably saw it was low.

[B]

Do you want to be independent?

[A]

Yes.

[B]

Okay, so there's that. We have that. Is that a goal?

[A]

Yeah, that can be a goal. Yeah.

[B]

Why do you want to be independent?

[A]

Because I don't think it's good. And I can't rely on. I can't rely on it forever. No, no, for sure. Yeah. I feel bad for them. I don't think. You know, they grew up pretty poor, so I don't think they understand too much of that stuff.

[B]

What have you been diagnosed with?

[A]

Oh, I have kind of severe autism and really, really bad adhd.

[B]

Okay.

[A]

Yeah.

[B]

Okay. So nothing that prevents you from having a real conversation and being. Okay.

[A]

Good.

[B]

I just wanted to make sure.

[A]

Yeah, no, I'm processing it. I just don't know if I'm.

[B]

I wanted to make sure this was an appropriate conversation.

[A]

Yeah.

[B]

Does that make sense?

[A]

Yeah, I gotcha.

[B]

But it is because autism is autism and ADHD is adhd.

[A]

What? America does say.

[B]

You're pretty tough, huh? What? Well, yeah. Okay. Trust me, the TISM flows hard through here.

[A]

Austin Autism. Mm.

[B]

So your mom sent you money because you were low. I mean, how much do you think you spent last month? This includes debt going up and stuff like that as well.

[A]

Oh, 3,700?

[B]

$4,416.05.

[A]

Okay, gotcha.

[B]

She's spending a thousand more. Well, actually, that's 1,500 more than came in.

[A]

Yeah.

[B]

Why? Why would you allow this?

[A]

Maybe I had. Well, obviously, I didn't have the money in my bank account if mom sent me money.

[B]

Yeah. All right, let's talk about credit. Not the fun kind of credit rewards or perks, but the kind that slams doors in your face when it's bad. Bad. Can't get a decent car loan denied for an apartment. Yeah, a lot of us have been there. But that is where Kickoff comes in. I found Kickoff when I realized I needed to take my credit seriously and fast. Sign up and you can get a Kickoff trade line just for building credit. It's not for spending. Then pick a plan. Make small monthly payments on time and Kickoff reports it to all three major credit bureaus. Plans start at just 4, 5 bucks a month, and you can start building credit immediately for only a dollar for your first month. One dollar. No credit check, no interest. Cancel anytime it's credit building without a catch. Kickoff targets key credit factors, payment history, credit mix and utilization. Users with credit under 600 saw an average gain of 84 points in their first year with on time payments. And yeah, that is real data. So start building credit with Kickoff today. Get your first month for as little as $[e-mail] Caleb that is K I K O F F.com Caleb must sign up via getkickoff.com Caleb to activate. Offer applies to new customers first month only. Individual results may vary. Subject to approval. Offer subject to change terms and conditions may apply. Kickoff credit Service starts at $5 a month for 12 months. Average first year credit score impact + 84 points stands at score 3.0 between January 2023 and January 2024 for kickoff credit account users to start with a score below 600, who paid on time and who had no delinquencies or collections added to their credit during the period. Late payments may negatively impact your credit score. Thanks again to Kickoff for sponsoring today's video. Let's get back to it.

[A]

So It's a good question. Probably not paying attention to it would be my primary reason, but everybody can say that. Yeah. Getting things you want. Too much time. I have too much time on my hands. I need to be focused on stuff.

[B]

Yeah. So you're just a hobby. Focus on the hobbies. Hardcore. That can be hard. That can be expensive. When you don't have a large budget and you hobby hop like crazy.

[A]

Yeah. Can we make a goal to have you go independent?

[B]

Not just independent. I want you. I kind of want you to leave Everett. I want you to leave from your friend. What?

[A]

Oh, no, that's fine.

[B]

I want you to experience something outside of your small town. It's not bad to be in a small town, but you're definitely very sheltered. And mommy and daddy are coddling you. So I really want you to get some exposure to the world. I want you to start making some friends. You know, D and D night.

[A]

The.

[B]

The vibes.

[A]

Right. I don't like dinner.

[B]

Okay. Go to the Bottoms up gay club that I assume exists somewhere close.

[A]

I don't like that either. The.

[B]

The cum dump.

[A]

Let me think. Maybe. I mean, Pokemon's good. That's good.

[B]

Huh?

[A]

Maybe stationary. Stationary is fun.

[B]

Where is. Huh? Is that a place?

[A]

Trains? Dinosaurs. They're good. I'm confused.

[B]

I'm confused. I'm sorry.

[A]

You're trying to find hobbies or something, right? You said D and D night, and then I was like, I don't really like Dino.

[B]

You could go to Din. Dinosaurs.

[A]

Yeah.

[B]

Is that a thing?

[A]

I don't know. No, it's not a thing.

[B]

No. Dinosaur club.

[A]

I don't think there's a dinosaur club.

[B]

Is there a train club?

[A]

Probably be a train club. I know my one neighbor was really into trains back in the day. Okay.

[B]

How do you feel about leaving Everett?

[A]

I think it would be good. I think I need to leave Everett eventually.

[B]

Okay. Eventually. Can we. Like you don't have a term that you're renting with your parents? You could leave whenever.

[A]

Yeah.

[B]

If we can get you to a financially sound place.

[A]

Emergency fund. They're eventually selling that, but. Yeah.

[B]

Do they have a timeline?

[A]

Oh, as soon as they can.

[B]

Then why the f. Did they offer it to you? What do I not know?

[A]

Oh, no, I'm just running, you know.

[B]

Well, yeah, no, of course.

[A]

The one unit, but install the whole building.

[B]

Yeah, but then you. Yeah, but then you'll be a tenant to a real landlord. You'll be locked into a lease.

[A]

Yeah.

[B]

Okay. So the goal then is to leave Everett. The goal is to get out of debt. Have a fully funded emergency fund so we can leave Everett.

[A]

Okay.

[B]

Hopefully go to a place where you can find a community. Really, really settle down. Get some exposure from the world. And disconnect from our parents. Financially and life. Controlling. Not love, not anything like that. Go home all the time. I'm good with that. Okay. But, Mommy. In the checking account. Not anymore. They're keeping the roof overhead. Not anymore. Need you to get out there.

[A]

Yeah. Yeah. I mean, I definitely do need to get out.

[B]

Do you like meeting new people?

[A]

Meeting new people? No, I kind of nervous meeting people.

[B]

Me too.

[A]

To be honest.

[B]

Me too.

[A]

I'd rather read.

[B]

Yeah. Yeah, yeah, yeah. Okay, I get it. Maybe a reading club.

[A]

Reading club? Yeah, reading club.

[B]

Trust me, if you want the literal Hottest women in Austin book clubs.

[A]

Really?

[B]

No. Well, I'm sure you could find a couple twinks there as well, but hottest women, so. You're right. I don't know your type. Maybe a couple bears. The bookshops. The bookshops On a weekend. Crazy world. Crazy world. Crazy world.

[A]

Why would you notice?

[B]

Girlfriend, you don't hear me saying this, but crazy world out there. We technically go there together.

[A]

And what's your genre? What do you read? What do you read?

[B]

White women. What? Sorry, it's a silly episode so far.

[A]

So.

[B]

Let'S do some math.

[A]

Okay.

[B]

From a school range of 0 to 10, what do you think your financial score is? 0 being the worst, 10 being the best.

[A]

Yeah. 0.

[B]

Okay. Why'd you let it get so f. Cked? Because you don't care. We kind of established this.

[A]

That's okay. Yeah, I just fall into some bad habits.

[B]

If you want to know your financial score, go to calebhammer.com or click that link in the description below. And if you want to come on the show, go to caleb hammer.com apply. What are you looking? You good?

[A]

I was looking at light. Yeah, it's bright.

[B]

PayPal credit. What's going on?

[A]

PayPal credit. I use that to buy stuff online. That's easy if I don't have money in my bank account. Because everything's PayPal nowadays.

[B]

What are you buying?

[A]

I'm sure you use everything. PayPal nowadays, I mean, figures. Anything online? No. I don't know if I should have brought one.

[B]

You should have brought one. Comfort Anime.

[A]

Comfort Anime. Well, I almost brought a plushie, but I think I lost her when I was leaving the house. I hope I didn't lose her in the airport. That would be terrible. Horrible. Horrible.

[B]

We would never do that. Okay. It's like a $200 plushie and you lost it?

[A]

I think it's in my car. Well, the zipper doesn't.

[B]

Okay. I just want to make sure you didn't lose the $200 thing. Well, they told me you have pictures of the figures. Can I see? And we'll put them on screen for everyone.

[A]

Yeah, I don't have my phone.

[B]

Where is it?

[A]

I don't.

[B]

You don't know where your phone is?

[A]

Well, I took it. Don't they. No, I gave it back.

[B]

No.

[A]

What?

[B]

You have your phone, the paperwork?

[A]

No, like when we did the trade. Oh, well, I guess I lost my phone.

[B]

Go find it.

[A]

I'll go.

[B]

Okay. Posters. Oh, this is a goon cave if I've seen one.

[A]

It does look like a goon cave, doesn't it?

[B]

You know, gooning. But you don't know what they were. Okay.

[A]

I, I, I, I, I am on the Internet.

[B]

Sometimes we talked before the conversation. We had like a three minute conversation. Usually it's the producers onboarding and everything and onboarding videos and all this stuff before. Yeah, but we were talking and I was like, hey, you know, just have fun. Make sure you're talking. Be. Be yappy. You know, we tell people to be yappy because sometimes people are a bit nervous. He didn't know what the word yapping was, but he knows what the word goon is.

[A]

I didn't know what you meant in that conta. Yeah.

[B]

What are the yap.

[A]

Is there yap?

[B]

Okay. This is a horny. Those are tits.

[A]

Oh, good. Go. There's more.

[B]

I'm. Trust me, dude, I don't want to know how many crusty socks are in this room.

[A]

Crusty socks? No.

[B]

Okay. This is. This is insane. And you spent how many thousands on.

[A]

That's my hat. That's. Then we're done.

[B]

That's your hat?

[A]

Yep. It's a $5,000 hat.

[B]

The.

[A]

Why I bought a $5,000 hat. That was before I got into debt, but yeah, it was not a good decision.

[B]

Sell it.

[A]

I can't. I kind of. It's kind of ruined now.

[B]

From your. No, I, I see what's around that room. I know we'd be dropping loads.

[A]

My parents cat kind of ruined it. And then I kind of got toothpaste on it. I think.

[B]

Toothpaste.

[A]

It doesn't really get out. I can't. I don't know how.

[B]

The toothpaste can't get out.

[A]

No, it can't. Oh, I get it. Okay. I get it. No, that's funny though.

[B]

Thank you.

[A]

Okay.

[B]

What is happening with the PayPal credit.

[A]

Like I said, I just bad. If I have to buy something and I don't have money on it, I can just put it on the PayPal.

[B]

Credit because everything's PayPal credit. It's at $408.03. The minimum monthly payment of $30.

[A]

Okay, $3.

[B]

Yes.

[A]

But you.

[B]

Well, payments, credits. Looks like you pay this off every month.

[A]

Yeah, I've never had interest. Well, it's occurred.

[B]

I'm gonna close that one off. But yeah, you're still purchasing $415.91. Why are you purchasing that much money if you are literally missing a $500 rent? $400, whatever.

[A]

450?

[B]

Yeah, 450. Then why are you purchasing $415 on PayPal credit?

[A]

I could get the rent.

[B]

Huh?

[A]

Yeah, that could go. The rent. Yeah.

[B]

Yes. That's what. That's what I'm saying.

[A]

Yeah. I don't know. It's. I'm making. I'm purchasing things like I like. Like I said, if it's online and I don't have money, I can do it.

[B]

What's Fast Spring?

[A]

Fast spring?

[B]

Yeah. $7.42 fast.

[A]

I don't know what that is.

[B]

Fast spring, fast spring, $7.42.

[A]

What's fat? What do you mean, Fast Spring?

[B]

That's what. It's the description of the purchase.

[A]

Okay, wait, let me look.

[B]

We had Matt the security guard check this bag, right? This is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win win for both of us. What do you have to do? Sign up for a SoFi high yield savings Account and get a welcome bonus of 300. Sign up for Acorns using my link and get $20 instead of $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself 5320. Doll.

[A]

I don't think I have my PayPal credit on here, Spring. So which one are you looking at? PayPal credit. Yeah. Consolidated. Okay. I probably don't have it. Sorry.

[B]

After all that, you don't have that?

[A]

See, Trist, I printed these out very half assuredly.

[B]

Come on.

[A]

All of this and you don't have important notice? Oh, here we go. Wait, no. That's capital one again. Why do I have three capital ones? Okay, yeah, I don't know what fast spring is. It might be okay.

[B]

And 408.49 spent on Anne and Mamie.

[A]

Amy. Amy.

[B]

And Amy.

[A]

Yeah. That's where I mostly buy anime figures, though.

[B]

I thought you were done.

[A]

Uh, significantly less than 1,000.

[B]

This is $408.49.

[A]

$408? Yeah.

[B]

That's your rent. And you're not paying your rent.

[A]

Yeah. That was the only one that month, though.

[B]

That isn't. But that's your rent. It doesn't matter that that's the only one. That is the amount. If you are not paying your rent on time. How are you gonna live on your own if you cannot pay your rent on time?

[A]

I would have to get more discipline.

[B]

Exactly. But that's what I'm saying. There's no chance of you being able to do that.

[A]

No, no. Not with those habits. No.

[B]

Exactly. But you're doing nothing to change it.

[A]

Yeah.

[B]

You have your goon cave. You've maxed it out to the. Just the tits galore.

[A]

Yeah. Run out of space.

[B]

Like I said. Go to a coffee shop in Pittsburgh.

[A]

Pittsburgh? Yeah. Or D.C. d.C.

[B]

Okay.

[A]

Pittsburgh. Pittsburgh. Yeah. Pittsburgh. Yeah.

[B]

Pittsburgh coffee shop. Attractive women just don't goon in public. I'm talking about approaching, approaching, approaching people.

[A]

Okay.

[B]

Who's your celebrity crush?

[A]

Tzuyu. Huh? K pop.

[B]

Spell it.

[A]

T. Z?

[B]

Chewy. Starts with T. Yeah. T.C.

[A]

T.Z. Okay.

[B]

T.Z.

[A]

U. Y. U.

[B]

Okay. She's hot. But would I be racist to say she looks like all the rest of them? The K Pop. The K Pop women. The K Pop women. They look different. Asians. I like the one that was in the White Lotus.

[A]

Okay. Yeah, I never watched White Lotus, to be honest.

[B]

Well, she was very hot.

[A]

Okay.

[B]

Okay. So that's your type. So we're approaching those in the coffee shop.

[A]

Yeah. My mom kind of gives my number out to any Asian woman she meets.

[B]

And how does that work?

[A]

She wants me to text this one girl. I don't think I will.

[B]

Do you know what she looks like?

[A]

Yeah.

[B]

Can I see?

[A]

Where's my phone? I have to go to Facebook, then I have to bring up.

[B]

Oh, okay. Well, okay.

[A]

Social, then I have to sort by.

[B]

Okay, okay. Never mind. I'm just saying I need you to get. Get you out of the house because you keep buying goon material and it's costing you hundreds of dollars a month. That's the point I'm trying to make. Well, are you willing to sell all this?

[A]

All of it?

[B]

Yes.

[A]

Some of it's kind of hard to sell.

[B]

Why because it has toothpaste all over it?

[A]

No, because. I mean it's. They're fairly rare.

[B]

But isn't that good to sell then?

[A]

It is. I guess that's true. But I don't think I'd ever be able to get it again. Is the problem.

[B]

Good. I don't give a. Make a lot of money and then you can get whatever collectibles you want.

[A]

I thought about that. Yeah. If you just make a lot of money. Yeah. Okay.

[B]

What's the goal? Is the goal Goon Tits all around the room? Or is the goal moving away and having a little bit of independence and separating from mommy and Daddy?

[A]

Move away then.

[B]

Sell the boobs.

[A]

Send the boobs.

[B]

Sell the boobs.

[A]

Gotcha.

[B]

Get online and crank it old school.

[A]

Crank it old school. Ebay or what do you guys. Well, I mean, you could do. It's better. My figure collection's a little bit better. I could do Mercari. Okay.

[B]

It's at a 30.39% interest rate. But again, you're not holding a balance.

[A]

Yeah.

[B]

Yeah.

[A]

So I never paid.

[B]

But it's still money that could have gone towards debt. The rest of your debt. And it's money that could have gone towards rent. Okay. This one has a balance. Substantially. Capital One. What's going on with this?

[A]

What is that? It's over the limit. Right? 3500 it is.

[B]

Why is it over the limit?

[A]

Because I'm spending on it and securing interest.

[B]

But your $400 on anime could have gone to this.

[A]

Yeah.

[B]

Could have got this paid off even quicker.

[A]

Yeah. I don't remember how that one ballooned up. I knew there was a concert that I spent a lot on merch on it, but I don't. That was like $500. So I don't know where the rest came from. I do use that for sheets.

[B]

Going to concerts.

[A]

What concert? Oh, that was ado.

[B]

I don't know. Okay. But that shows that you at least want to get out there and do stuff.

[A]

Yeah. Yeah. That was fun. I talked to people there.

[B]

What's Aido?

[A]

She's a Japanese singer. Doesn't show her face. She's really cool. She's like.

[B]

I hope you keep it in private.

[A]

What do you mean by that?

[B]

Just hope it didn't happen there.

[A]

No.

[B]

I'm just saying I don't.

[A]

I don't know. How can I. Goon. She's. I don't.

[B]

We don't know what she looks like. Listen, buddy. I'm putting you in two camps. Gooning all day or school Shooter. So it's like School Shooter.

[A]

Really? I've never had that before. That's interesting. That's really interesting. All right.

[B]

And listen, the fact is, you purchased $71.54.

[A]

Yeah, that was probably mostly sheets.

[B]

Sheets?

[A]

Yeah. You don't know what sheets is.

[B]

You got toothpaste all over your set.

[A]

What do you know? Sheets.

[B]

Oh, the location sheets.

[A]

The fast. Not fast food, gas, convenience store.

[B]

What are you getting there?

[A]

What do you guys, like a wawa? Is that makes sense.

[B]

What are you getting there? I understand.

[A]

Yeah, yeah, yeah. Probably breakfast.

[B]

Okay, so you were. You got Google Play something. You got audible. You got breakfast. You got breakfast.

[A]

Oh, yeah. Cancel that Audible.

[B]

And then Viz Media.

[A]

Viz Media. So how much was that?

[B]

$3.

[A]

$3? Yeah, that's a subscription.

[B]

A subscription to what? You're paying to chat.

[A]

No, that's like anime. Or not anime. Manga. Thought I need to cancel. I don't even use that.

[B]

Get out of this world, man.

[A]

Yeah, I don't even use that.

[B]

So at least I'm surprised. You don't have any late fees this year. But you have lost $339.19 in interest this year. Yeah. And just this card. Just this card.

[A]

Okay.

[B]

It's the minimum monthly payment that is scaring me.

[A]

I.

[B]

Because I know we have so much that we're stacking up. I don't know.

[A]

Just this year is kind of crazy because it's been like, four months, so.

[B]

Month number six, but I get it.

[A]

I get it. Yeah. I don't get it.

[B]

Math.

[A]

Math. Okay.

[B]

We're in the sixth month.

[A]

Okay. Yeah. Well, that one's on the fourth.

[B]

Oh, actually. Actually, he's right.

[A]

He's right. It's like $100 a month on interest.

[B]

Yeah. It's insane. You lost in just this last month, $83.88 in interest. And. Yeah. I mean, the higher this balance goes. And now you're over. You're lucky you're not getting any fees. This is going to get worse and worse. How long do you think this takes to pay off? If you only make your minimum monthly payments and you don't purchase anything, which, by the way, you're incapable of because you always purchase.

[A]

Yeah. Isn't usually like a factor of 17, so. 17 years.

[B]

Very close. 18.

[A]

18. Okay, gotcha. Yeah.

[B]

So sometimes the math works, sometimes it doesn't. I get it.

[A]

It's a topological problem. It's funny.

[B]

Listen, I just. I don't think you can manage credit cards. I really just don't. You shouldn't have credit Cards.

[A]

If they have balances on them right now, it's not good.

[B]

Yeah, but that's what happens if you're above a credit limit and accruing interest on a credit card. You're not a credit car. No, it's as easy as that. Do you accept that? That you cannot use credit cards?

[A]

I think if I paid off all my balances and I just.

[B]

But are you. Are you.

[A]

If I just use them and I.

[B]

Pay them off as we go, yes.

[A]

That would be the way they use it.

[B]

That is the definition of a credit card person. But are you doing that?

[A]

I'm not doing that right now.

[B]

So you shouldn't have credit cards. Correct.

[A]

I shouldn't have those credit cards now.

[B]

Good. It is a dangerous tool. It's a tool that can be used to benefit you, but the vast majority use it against themselves. Okay. They take back the hammer and they hit himself in the face.

[A]

Yeah.

[B]

Well, yes. Yeah, absolutely. Well, credit cards mostly make their money through transaction fees, but.

[A]

Really?

[B]

Yes.

[A]

Okay.

[B]

Yes. But either way, you should not have a credit card.

[A]

Okay?

[B]

Can we agree on that?

[A]

I can agree with that. I should have less credit cards.

[B]

You shouldn't have credit cards.

[A]

Okay.

[B]

In zero. Because look what you've done with credit cards.

[A]

I don't think my past is reflective that I can be trusted with credit cards.

[B]

What else would we judge you on about what you're gonna do than what you're doing now and in the past?

[A]

Yeah. So if I. Well, I can't do it unless I try, but. Yeah.

[B]

Do what?

[A]

To use the credit cards the way they're meant to be used.

[B]

Exactly. But what's the point? What's the point? Why do you care?

[A]

That's true. What's the point of a credit card anyway?

[B]

Well, I like it for the rewards. I like it to build a credit score. And, you know, with a good credit score, I made it able to utilize leverage with real estate. That's why I did.

[A]

Yeah.

[B]

Because you just. You already said you don't care about getting a house.

[A]

I don't think I'm looking for any of those benefits at this time. So I shouldn't use a credit card?

[B]

Yeah. What is the point? Is there a point? No. Right.

[A]

No.

[B]

So you'll close them all?

[A]

Yeah.

[B]

Yes, you will?

[A]

Yes, I will. Good.

[B]

I'll let you have the fizz card. Cause it acts as a debit card. It only lets you spend what's in your checking account. Cause remember how you said you literally spent on the last card when you don't have Enough money in your checking account. Yeah, yeah, that at least counteracts that.

[A]

So then what happens? It just cancels the transaction.

[B]

Huh.

[A]

So then what happens if you try to do that?

[B]

Do what?

[A]

Spend what's not in your bank account.

[B]

I'll let you decline.

[A]

Yeah, okay.

[B]

Okay.

[A]

Yeah.

[B]

You just gotta use tools that you're able to actually use. And clearly you're not able to do this. I mean, listen, I have a note that says you got a ticket as a birthday gift to go see your big girl, that you love the Asian addo, and you're planning to spend another $400 on merch. Again, $400 for merch?

[A]

That's not estimated.

[B]

Listen, dude, now here's an assessment. You love boobs. They're everywhere. They're all over your room.

[A]

That's just the figure.

[B]

They're all over your room. Yeah, she doesn't have any. So what are we even doing? Cognitive dissonance. I'm joking.

[A]

I mean, it's like I'm joking. Real versus fake.

[B]

But yeah, I'm joking. I'm joking. I'm joking.

[A]

I got it.

[B]

I'm just saying. You're gonna spend 400 on merch?

[A]

Yeah.

[B]

You say you told Lindsay you were going to. There's rent.

[A]

Yeah, I mean, I already bought like, the light stick. I should be good.

[B]

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[A]

Sort of like a. Actually, I think I'd probably have it.

[B]

The backpack is bottomless.

[A]

It's. I don't know where I put it.

[B]

Probably put it in the staple, the pencil sharpener.

[A]

No. Huh. But it's like a.

[B]

Get it. I don't know where it is in the backpack.

[A]

I don't think I can find it, to be honest with you. This backpack is amazing. Yeah. I'm not gonna be able to find it. I'm sorry.

[B]

So this thing we're very excited to purchase, you cannot find in a backpack.

[A]

Okay. Okay.

[B]

Okay. Up here.

[A]

Yeah, Sorry.

[B]

It's okay, so why are you allowing yourself to spend another 400 on merch? Man, that is your rent. That is potential freedom getting out of it. Evetville. Yeah. Everettville.

[A]

Everettville. Yeah. Yeah.

[B]

That is your path out.

[A]

Because I want it.

[B]

What do you want more, though? I need you to get exposure in life. I need you to have something. Well, it's probably just merch isn't what does it.

[A]

What are the goals? Right? Like right now, I'm just driving myself towards merch. Merch. Merch. Anime figures.

[B]

Exactly. But that's what you're still gonna do.

[A]

Impulsive desires as opposed to something more solid.

[B]

And you prefer.

[A]

Impulsive desires? At the moment.

[B]

Then why are we having this conversation?

[A]

Cause that's not sustainable.

[B]

I agree. And I'm telling you what to do. But you're saying no.

[A]

Yeah, I could try not to purchase For Ado concert. Well, I don't even know, like, what merch would I buy? That's a good question.

[B]

He'd have a good time in Thailand. Nah, he'd have a good time in Thailand.

[A]

Nah, I wouldn't have a good time in Thailand.

[B]

You'd bring one back.

[A]

Would I know that it's before I bring one back.

[B]

Huh?

[A]

Would I know that it's a key before I bring it back?

[B]

I thought we were going to Xi's.

[A]

But it's Thailand.

[B]

It is Thailand.

[A]

Yeah.

[B]

Listen, you might get pegged. It might not. I don't know.

[A]

Yeah, it's Thailand. I think I had a dream that you said that. And now you did. It's funny.

[B]

I'm in your dreams.

[A]

No. Well, kinda. I got excited being on the show. Yeah.

[B]

Oh, okay.

[A]

Not in that way.

[B]

Okay. I heard the word excited. I gotta. I'm a little nervous.

[A]

Yeah.

[B]

I've had my toothpaste fill for the day.

[A]

So we're back to. Toothpaste is great. All righty. Okay.

[B]

Okay.

[A]

Yeah.

[B]

29.49% interest rate.

[A]

Yeah. I thought it was like 30%, so.

[B]

Yeah, basically, yeah. I don't know. I don't know. You're still going to go purchase this merch? It's like, what's the point at that point, right?

[A]

Not good.

[B]

You gotta talk about this. Coping skills. If you're impulsive, decisions are everything. I need you to start taking care of the coping skills.

[A]

Okay. That might be a good thing to talk. I have a therapist right now, but.

[B]

Yeah, good talk about that.

[A]

Okay.

[B]

And I'll also get you a course career certification. If we can find something that gets you a little more in the Career field that you want. Okay, Quicksilver. What's going on with this gear? We're not paying off this card. It was a small bounce. I was like, oh, okay. He's probably paying this off like the PayPal. No, it's maxed out.

[A]

Maxed out.

[B]

So what's going on?

[A]

It's like $500.

[B]

Yeah. Yes.

[A]

I mean, it's the same as the other cards is what I would say.

[B]

I'm trying to have a conversation.

[A]

Yeah.

[B]

What's going on with this, in your perception?

[A]

That one I use for rudders because I have it linked to the account and it's just really easy to work.

[B]

What is that?

[A]

Rudders? Yeah.

[B]

What is it?

[A]

That's like sheets. Like Wawa.

[B]

So you're going to an alternative to mix it up?

[A]

Yeah, I can't go to sheets every day. In the morning.

[B]

You shouldn't go to either, right?

[A]

No.

[B]

Okay.

[A]

Yeah. They also have better food and it's cheaper. I probably should go there. I'll taco Tuesday. Tacos are half off.

[B]

Okay. They just finger gunned me.

[A]

Yeah, that's good. Breakfast.

[B]

Is that more important than escaping Fayetteville, though? I don't think so.

[A]

No, it's not. You could probably. Meal prep. Had chicken noodle soup today.

[B]

Yes. Meal prep.

[A]

Easier. Yeah.

[B]

You had chicken noodle soup today.

[A]

Yeah, Handmade.

[B]

There you go. Handmade.

[A]

Yeah.

[B]

Why are we doing that?

[A]

Shit. Egg noodles.

[B]

That's great.

[A]

Great. Yeah.

[B]

Yeah. Why aren't we doing that?

[A]

Cheaper, for sure.

[B]

You're learning to cook for your future Tainese princess.

[A]

Yeah. Yeah, yeah. That'd be nice.

[B]

Yeah.

[A]

Yeah.

[B]

Okay. It's not accruing interest, but you did purchase $62.14 on it.

[A]

Yeah. That's probably all rudders, to be honest. Maybe sheets.

[B]

Yeah, sheets. Rudders. Sheets. Sheets.

[A]

Yeah. Taquitos.

[B]

Yes.

[A]

Yes.

[B]

Okay.

[A]

Honestly, I didn't understand what taquitos were until, like, I sat down and looked at my own. Okay. I don't have the physical card for the PayPal either. I do have my capital one. I don't think I've ever used it physically. Everything's just online transactions, to be honest.

[B]

You have it in, like, your Apple Wallet.

[A]

I have it on capital one. Okay.

[B]

Okay, okay, okay. Okay. You need to delete every app that exists. Ban your. Do you go to the office?

[A]

Yeah.

[B]

You do?

[A]

Sounds like that.

[B]

Yeah.

[A]

I'm an office person. Yeah. Mostly I'm in the office. Yeah.

[B]

Ban.

[A]

That's why I have too much time.

[B]

Because you're in the office. That's why you have too much time.

[A]

I mean, I do.

[B]

Like, there's not ban passing by sheets on the way to and from work. And cut up your credit cards and call the banks and close your account.

[A]

Okay. What.

[B]

What's the confusion?

[A]

I need my bank account.

[B]

No, close your credit card account. Another thing. No, Obviously, yes. Keep it. Have a checking account. Of course. Have a savings account. Of course.

[A]

Yeah. Truce isn't the best, but, yeah, bank with whatever.

[B]

I don't care. It doesn't matter to me.

[A]

This is.

[B]

If you're at ease of just.

[A]

Yeah, it's real easy.

[B]

Yes. You need to limit yourself. If I can't. If I can't not. Keep away from Amazon. Candy.

[A]

Candy.

[B]

I don't have candy in the house.

[A]

That is a. Oh, yeah. Like, if you have something sugar in the house, you're always gonna go get it. Or I am for sure is an.

[B]

Example of why you shouldn't have your credit cards handy.

[A]

Yeah. Freaking like cake. Yeah. So no credit cards. They're like sugar in the house or.

[B]

No.

[A]

No online transactions that are like sugar in the house.

[B]

Just having the credit cards.

[A]

Just having them. Yeah. Okay.

[B]

You have to take away the things that you can't control.

[A]

Mm.

[B]

Right. Is this making sense?

[A]

It makes a lot of sense because, you know, sometimes the things control you instead.

[B]

That's like you're being controlled.

[A]

Right. Of the meme. I'm being controlled by purchasing things that I don't really want.

[B]

Right.

[A]

Yeah.

[B]

Okay. Okay, good. I'm glad we're aligned.

[A]

Yep.

[B]

Yeah. Zero percent interest rate until.

[A]

It's probably current interest. I thought.

[B]

No, zero percent until something.

[A]

Okay.

[B]

I can't see where I might be on the site, though.

[A]

I won't open my thing.

[B]

Huh?

[A]

I won't open my thing.

[B]

You can open your thing. You probably just won't find it.

[A]

Yeah, I won't find it.

[B]

Okay. One main financial. What's going on with this?

[A]

Yeah, so I use. I. I took out a loan, and for.

[B]

Why.

[A]

What do you.

[B]

What do you have in life where you need a 23.49 personal loan?

[A]

Yeah. That's pretty. Wow.

[B]

It's a 19. $19,054.

[A]

That's the. That's how much you do if you pay off all the payments. That's not the payoff amount.

[B]

It says that's the balance.

[A]

Yeah, the payoff amount.

[B]

What is your payoff amount?

[A]

You'd have to call them their loans.

[B]

Well, I'm gonna say 19,000, because that's what's at least accruing interest.

[A]

Is it really so they accrue interest on that, not the.

[B]

Yes, that's the balance.

[A]

Okay.

[B]

That is the balance. And usually the payoff's not that far.

[A]

No, it is like 12,000. If I pull up Credit Karma, it.

[B]

Would say 12,000. Credit Karma doesn't know.

[A]

Okay.

[B]

You're going off a credit karma, not them. Credit karma doesn't know.

[A]

I calculated against the interest. That came up to like 12,002.

[B]

I mean, listen, that's the balance subject to interest right now.

[A]

Okay.

[B]

And you have to pay minimum monthly payment of $381.08. What. What? What did you possibly borrow for in. When.

[A]

Right, so I took out. And then there's two other personal loans that you'll get to, and it's for a similar reason.

[B]

What?

[A]

Yeah, I had like 30 something thousand dollars in savings back in.

[B]

You borrowed against your savings?

[A]

No, I lost it all gambling.

[B]

Oh, for sake.

[A]

What else was it gambling? Stock markets.

[B]

What are you doing?

[A]

Remember when game stuff happens and people got crazy?

[B]

Oh, for sake. What was the gambling?

[A]

No, you want to talk about the gambling?

[B]

Yes, I just. Yes.

[A]

Okay. Yeah, so, I mean. I mean, really, it started with the GameStop stuff like. That's sort of gambling, when you get into that. Yeah, I know there's a right way to do it. I know there's a right way to do it.

[B]

I'm not doing it, but you can take our investing class for free. We'll put you through it.

[A]

Yeah, that'll help you.

[B]

But yes, the gambling. Tell me.

[A]

Yeah, so it started with that, and then, you know, we sort of got into other things at higher rate of return. Well, it's a social thing because sometimes people do it at work too, but. Yeah.

[B]

Tell me about the gambling. What were you doing? How much over how long?

[A]

I probably lost $60,000 in gambling overall.

[B]

60?

[A]

Yeah.

[B]

60 over how long?

[A]

Um, since. What was that? The beginning of 2001. I quit. Two years ago? I think so. Yeah.

[B]

Two years ago you quit.

[A]

Yeah. So that was.

[B]

So in two years, you lost $60,000?

[A]

Yes, sir.

[B]

And you still have personal. Wait, what are the loans for, though?

[A]

I took out loans and then I sort of gambled those away because I wasn't used to having. Not having money in my checking account. I worked hard for that, but yeah. Whoa.

[B]

That's insane.

[A]

Yeah, it's not.

[B]

Oh, my God.

[A]

Oh. Most of that was within two months, like 40,000.

[B]

What the.

[A]

It's addicting. You can play blackjack.

[B]

It's horrendously addicting. Yes.

[A]

You ever play blackjack on your Phone.

[B]

No.

[A]

Do it during weddings, huh? Yeah.

[B]

You're doing it during weddings?

[A]

Yeah.

[B]

Why specifically?

[A]

That's just what I remember, sir.

[B]

You. You, like, were blacking out. That's the only one you remember is you were at a wedding and you lost $60,000. No, I took out personal loans for it.

[A]

No, I mean, you can do it, and loans are too. You can do all that online, too. So it's just real fast.

[B]

Oh, Guy, you live a dangerous life.

[A]

No, that was not. Yeah, that was not good.

[B]

You live a dangerous life. You are beyond addictive personality. I'm an addictive personality, too, but you take it to the next level. I'm tism, too, but you take it to the next level. You're the enhanced version of me.

[A]

The bad part is you can be good for a vast majority of the day, but if it takes, like, I don't know, an hour or 30 minutes.

[B]

How much did you lose in GameStop?

[A]

In GameStop? Well, on stocks, I think I have 12,000 on Robinhood and probably 1,200. No, 4,000 on Weeble.

[B]

4,000?

[A]

Yeah. I could pull it up.

[B]

No, it's okay.

[A]

I screenshot it all.

[B]

How much did you lose in total across the board?

[A]

60,000.

[B]

It was 60,000. If we combine all of it.

[A]

Yeah. Two years ago, I consider that gambling. Yeah, two years ago I stopped. Well, I did. I have gambled a bit on ESPN, but I thought it was.

[B]

What?

[A]

Tell me $600 since, I don't know, mid last year.

[B]

Oh, he's picking it back up. Don't. You're gonna get into sports betting. Oh, that will go down so hard knowing you and what you've done. Listen, you took out personal loans. The only reason you haven't bet more than $600, let's be honest, is because you literally couldn't get access to it.

[A]

Yeah, I did lose. I did lose a lot of that. 60,000 from sports betting, to be honest.

[B]

Oh, so let's get into ESPN betting, right?

[A]

Yeah.

[B]

No, My Kai, there is no independence if you're doing this.

[A]

No.

[B]

What was your living situation two years ago when you stopped and four years ago when you started?

[A]

Four years ago, I was living with my parents.

[B]

And did they know this was happening?

[A]

They didn't know it was this bad.

[B]

What did they think?

[A]

They thought I had a problem, but they didn't know it was this bad until I called them one time when I was working.

[B]

Tell me about it.

[A]

The bottoms fall out.

[B]

That's what you told them?

[A]

Pretty much.

[B]

You told them that the bottom has fell out.

[A]

Yeah. What did.

[B]

What the fuck would they think that means?

[A]

Well, that's not exactly what I said.

[B]

Yeah, tell me about the conversation. This is insane. This is $60,000. So it's as much money as you have made.

[A]

It's my parents, you know, the first thing they think of is, okay, how can we help? What's. What's the problem? We'll have to look into it. Some better have a better conversation about. They know it was devastating. I didn't understand how devastating it was at the time.

[B]

So can I tell you how devastating it was how two years ago. You're 26. That is 39 years until 65. When many people retire.

[A]

65 is retirement, correct? Yeah.

[B]

Are we aligned so far on that?

[A]

Yeah, I got you.

[B]

If that $60,000 was in the S&P 500 which averages a 10% annual return appears down years combined since the to start it would have been worth. And this is what you've lost just $2.916 million. You lost $3 million because you chose to throw away your money on sports betting meme stocks instead of just investing in the overall marketplace or any other kind of investment strategy. Again, there are so many that do work. That's not the only one that works. But that is good for just the average person.

[A]

Yeah, technically it's worse than that because then I took out than our current interest. So, yeah, if you think, oh, me?

[B]

Yeah, buddy. That's insane. So since last year, you have still sports betted hundreds?

[A]

Yeah, six. I've lost. I think 600. Fuck.

[B]

Dude, you got into Russian table tennis. They're telling me. Oh, yeah, the Russian betting on Russian table tennis.

[A]

Yeah, that was a weird one.

[B]

What are you talking about? Dude, what are you doing? Did you get banned from anything?

[A]

Oh, yeah, I got banned from. What was it called? DraftKings.

[B]

You got banned from DraftKings?

[A]

Yeah, I used a VPN in New York to go to Pennsylvania. That was a bad one too, because that was a good game, Matt.

[B]

None of this. None of these are good ones.

[A]

That was the Hail Martin. Buddy. I don't know if you watch NFL.

[B]

Is this why people have broken up with you? Cause this would be a good reason.

[A]

No, but it doesn't. It's not, I think. Oh, well, actually, I don't know if that affected anything because I've been pretty honest with them about it, so. And nobody likes it.

[B]

Yeah, no, I wouldn't make people stay.

[A]

No. They usually say, well, as long as you're not like that anymore, change your Ways you are.

[B]

You are still sports betting.

[A]

Yeah.

[B]

So you are still like that anymore.

[A]

It's tough when everybody in the office does it.

[B]

Oh, me, man. What's your relationship with people like at work?

[A]

Great. I love people at work.

[B]

Yeah?

[A]

Yeah.

[B]

They like you too. You guys are friendly. Everything's good.

[A]

Yeah.

[B]

And I want that for you. I want that. That's so good.

[A]

We talk breakfast every Friday.

[B]

Okay.

[A]

Fuck.

[B]

They just told me. And who owns your business?

[A]

My dad owns it with his partner.

[B]

You've never done anything independently?

[A]

I mean, I. Yeah, I think about that, but I work hard.

[B]

I'm not saying you don't, buddy. But it wasn't. You got this job because you got a job out of school and you're not using math degree. It's you got a job because of daddy. You got our house because of mommy.

[A]

I mean. But I feel responsible to stay there, you know, I don't want to leave them.

[B]

No.

[A]

Like to work. I mean. No. Okay.

[B]

I bet you your parents would celebrate if you became independent. Not celebrate as, yay, we got rid of them. We're not saying that. Celebrate. Because they're seeing their son become going from like an immature boy to a man.

[A]

Yeah.

[B]

This is something they would want to see.

[A]

True.

[B]

And they feel. Listen, they've coddled you a lot, and it's because you're socially awkward and that's okay. You have autism and adhd.

[A]

I do worry about that. Like, I don't know why they're coddled.

[B]

Well, it's because of that. And because of that, they are holding you. And that is not allowing you to actually go out. And listen, they would celebrate if you went out and you were an adult. But they're also probably. They're so used to coddling you that they're afraid to not. And they're just enabling you. They're enabling you. They enable the gambling. They're enabling you. They're giving you a job. They're giving you a place to live. They're enabling you not paying your rent on time. And then mom puts money in the checking account. So it further enables you to gambling and going to sheets and spending money on. You don't have. And now you have a 23.49% interest loan at a balance of $19,054. Minimum payment of $381.08 for your past gambling. So now you're paying for your past gambling with personal loans.

[A]

Yeah. And that's against my car tower, huh? Yeah.

[B]

Really? This is against the title.

[A]

Yeah.

[B]

Of your vehicle.

[A]

Yeah. It's collateral.

[B]

Oh, we've never had that.

[A]

Really?

[B]

This is new.

[A]

Yeah, that. I didn't really understand how bad that was. They really don't explain that to you?

[B]

Why don't they explain here's a bad product, why don't you please take it.

[A]

Yeah, true.

[B]

That's not how the. What I mean, come on.

[A]

Yeah, that was credit karma again.

[B]

You lost your savings in two months.

[A]

Pretty much two months.

[B]

Okay, so it had to have been more, more than $60,000 cuz you lost $50,000 in savings, right?

[A]

I, I, I had $30,000 in savings.

[B]

$30,000 in savings. And now you have how much in debt because of it? This is 20.

[A]

I have at least $50,000. We have to make sure that's accurate. I think like 24,000 of bad debt, but probably more because of the 7,000 difference between what we have on the cap on the one me.

[B]

What is your parents knowledge of the numbers around this and how much you lost and how much in debt you have because of it?

[A]

I don't think they comprehend how bad it is.

[B]

Call your dad right now. I could, I want. No, no, no. Before you do call him, be like, hey dad, I have something to confess to you. I just want to get this off my chest. I lost $30 in savings when I lived with you for gambling. And I gained another 20 to $30,000 in high interest debt for the gambling. And I am still gambling and I'm struggling with it because you still are. People ask me all the time, Caleb, how do I turn my wild video ideas into something watchable. And until now I'd say good luck, learn to edit or spend a ton of money. But now enter in video AIV3. This thing lets you create full length videos from scratch just by typing. No timeline, no software gymnastics. Just type something like make a one minute funny cinematic video about how people deal with their finances and boom.

[A]

I'm Sarah, just your average person trying to, you know, adult and stuff. Finances. Yeah, I've got those somewhere.

[B]

You've got a cinematic sequence in minutes. You want to tweak it? Just say add my voice or make it funnier. It's like texting your editor, only faster and cheaper. And unlike clunky traditional tools that make you feel like you need a film degree in video puts you in the director's seat. Your vision, their horsepower. Then yeah, you can even clone your voice so every video sounds just like you. Spooky maybe. Cool. Definitely trying video AI for free. Save your time, your budget and your sanity. Can you do that.

[A]

Should I be a speaker or what?

[B]

Should I speak your phone and put the speaker here.

[A]

Okay.

[B]

Put the speaker here.

[A]

Speaker here, here. I don't understand.

[B]

Where's the speaker? Put it here.

[A]

I don't know where the speaker is.

[B]

It's at the bottom, probably.

[A]

Okay. Oh, that makes sense. Hello. Hey, how are you? What's up? How's your day go? That's good. I. I'm on the thing right now. You're still there now? Yeah, I was told to call you. Oh, yeah, my own podcast right now. Yeah, kinda, yeah. I was told to tell you that I have. I accrued. I had $30,000 in savings. I lost it all, and I accrued $20,000 of bad debt.

[B]

Why?

[A]

Because I was gambling and I'm still gambling. Like 600. I lost $600 since December. Not good. No, it's not good.

[B]

See, you're struggling. You need help with it. You're struggling. You need help with it.

[A]

I'm struggling with it. Yeah, I know you are. Yeah. Whatever. You know, we've always. Our doors open. Whatever we got to do to help you. I gotcha. I don't think that's the best. It's kind of coddling. Well, not necessarily. We're going to bail you out. We just. What you need. What do you need to succeed? You know, I gotcha. But, yeah, I think I'll continue with this. Thanks. All right, well, give us a call when you're out. I will. Yeah, no problem. All right.

[B]

So it is not good. Listen, they want to help. They're not helping.

[A]

He grew up very poor. He helps out his parents.

[B]

So he's making almost a repeated cycle then. By not helping you, by helping me. He's thinking he's helping, but he's harming.

[A]

Oh, okay. I gotcha. Yeah.

[B]

Do you disagree?

[A]

No, I didn't understand.

[B]

Look what they're doing. Listen, his reaction to you losing $50,000 and $20,000 of it being in debt was. That's not good. I'm not saying he needs to blow up and slap you through the phone, but come on, that was my reaction, too.

[A]

It's not good.

[B]

Yeah, but you're autistic.

[A]

I gotcha.

[B]

I don't know about him.

[A]

I don't think he is. No, he's pretty social.

[B]

Okay, so it's. Yeah, go ahead. I don't know, man. I'm afraid they're just fully enabling you. Let's move on.

[A]

Okay. I don't know if they're enabling me because I don't know what the norm is.

[B]

So the norm is you don't work for your dad, your mom doesn't put money in your account at 28, and they don't pay for the roof over your head by a subsidized thing. And you're also not having them bail you out at every single moment.

[A]

Yeah, but they, they helped out my sister and she's successful. Doesn't matter.

[B]

Doesn't matter. And listen, some people can be successful, but look, it's not working for you. You're 28, not 18. This has been proven not to work for you for a decade of adulthood.

[A]

Yeah, I mean, I was doing good in school.

[B]

School, but that's something completely different. School and real life are so different.

[A]

They are, they are.

[B]

School's coddled. They're in little boxes.

[A]

It is coddled. I hated how slow we went and.

[B]

Stuff like that, but yeah, you're Rain Man. We all know.

[A]

Okay, genius, Bank China's or I don't know how to pronounce it to be honest. That was another one that was completely online.

[B]

But it's a 18.99 interest rate. Listen, you finance $5,000. The interest charged throughout is going to be $2,174.90 if you don't pay it off early.

[A]

So it's like 50.

[B]

Yeah. What's the balance now?

[A]

Like 4,000.

[B]

4,000. Minimum monthly payment, 100. $148. I don't know how you're going to pay these stacks so much and. Which means good luck, you're never going to pay them off early, which means you're going to pay that total $2,174.19 of interest. You're going to make them so much money, you make the gambling money, you make the other people on the other side of the bet money, you make the bank's money, you make the credit card company's money, buddy. Okay, what's this for, broad? 5,000. For what?

[A]

Like I said, it was the same thing. I didn't have money in my checking account.

[B]

So far, if we lost 30,000 there, we're at least 50,000. 55,000.

[A]

It's going into.

[B]

Huh?

[A]

It's going into creasing like.

[B]

Yeah, but currently we're at 55,000 hour total for the money lost to gambling. If we're taking the 30,000 savings, 20,000 from previous 5,000 for this.

[A]

Yeah.

[B]

So we're over that 50 already and you're saying there's more?

[A]

So 60 beer, huh?

[B]

We're at 60.

[A]

No, I said 60 you said 60 earlier.

[B]

Yeah, okay. Sorry. Then we have 5,000 to go to get to it.

[A]

Yep.

[B]

You're so gambling. Can you delete these apps, please?

[A]

I.

[B]

Well, hey, your dad's the boss, right?

[A]

I put myself.

[B]

Your dad's the boss, right?

[A]

Yeah.

[B]

If he's the boss, have a frank conversation that you're struggling with this. Cause of work, and see if he can just ban it from work.

[A]

Yeah, I mean, I don't know if I want to do that.

[B]

I know that's hard because it's a social thing. You don't want to take it from other people. Huge. But it would be great. He doesn't say why. He doesn't say why. Maybe he can go in there and.

[A]

Be like, hey, we're very relaxed at work and.

[B]

I know, and we are here too. But if someone was dealing with a. I don't know. Yeah, but we wouldn't have here to begin with.

[A]

That's what you think. But then it creeps up on you.

[B]

It does.

[A]

I don't. I don't know.

[B]

Okay. Hasn't creeped on up on me yet.

[A]

Okay, gotcha.

[B]

I don't know. If someone had a severe gambling addiction here and people were gambling out in the foyer, I'd be like, hey, can we just, like, just take this outside?

[A]

Just take it.

[B]

I mean, go downstairs.

[A]

Don't talk about it.

[B]

Don't talk about it.

[A]

Cause it's sports.

[B]

I know it's hard. It is difficult, but the fact is you're struggling with it. You are addicted.

[A]

I'm in a rural area. All you do is talk about hunting and sports.

[B]

You need to leave. We've established that. But two, I don't know. You're addicted. Like, you just. If you're a drinker, you shouldn't go to a bar. You're addicted to sports gambling, and everyone around you gambles sports. I don't want to take you away from them socially. I really don't. This is the complicated part of it. Maybe someone has some better advice in the audience. Maybe therapist has some good advice. And this is not popping in my head right now because, you know, this is live. You and me.

[A]

Try to block it out, I guess, would be.

[B]

That's harder. But coping mechanisms can be very powerful. You have to work with your therapist on that. And you lost all your money gambling, so you're borrowing some of these to pay your bills, too.

[A]

I mean, I was.

[B]

What bills? You were living with your family.

[A]

I was pretty much borrowing it to. Because I didn't have money in my checking account, and then I gambled it away. That's what happened. I don't know how I can stop.

[B]

Okay, you stopped two years ago, but now you started back up. What made you stop? And now you're starting to.

[A]

Well, it's definitely ramped down lot, so.

[B]

It never stopped at ramped.

[A]

It's ramped down a lot. It's. It's not as bad as it used.

[B]

To be, but that means it can rebound so easily. You have no idea.

[A]

Like, I put myself in an exclusion for one FanDuel, which was mainly what I was using for. I forget. I think it was like a year or something. Two years.

[B]

Oh. The amount of sponsorship requests we get from them. Let me tell you, I only take good sponsors.

[A]

Yeah, but, I mean, that's pretty much why it stopped. I can't use that account anymore.

[B]

Oh, so once you find a way, it'll ramp back up.

[A]

Yeah.

[B]

Cause it's been forcefully taken from you. Does anyone who work know this?

[A]

I stopped for months and then I found ESPN bet.

[B]

Does anyone at work know this?

[A]

Know that I have exclusion.

[B]

The struggle and yes, the exclusion.

[A]

I think they can relate.

[B]

People have lost 60,000 hours there.

[A]

I don't know if not that much, but they've lost a lot. Nobody wins. Some people break even. I mean, it's like what my one friend says, as soon as you win something on gambling, that's cursed money.

[B]

Okay, this next one you borrowed. Come on. 4,500. So boom, that takes us to the 60.

[A]

Yeah.

[B]

What's the current balance on this? I think this is upstart.

[A]

Yeah, probably like 3,800.

[B]

Okay, 3,800 with a minimum monthly payment of 121. Again, I don't know how we afford these minimums. Is this the same thing, same time?

[A]

Yep, that was the one. Yep. That was the first one. You know, the interest rates get worse because you're taking no more.

[B]

You took out the previous loan, the genius loan, because it was deposited next day. You immediately essentially lost it and had to go into a brick and mortar. One main to get this.

[A]

Yeah, yeah. It went from up. It went upstart gynus, then one main. Upstart and gynus were all completely online. I found one main because of. But I had to go online with that one. Or I had to go.

[B]

What is that not a sign?

[A]

It is a sign. Hey, I had other ones too. They were pretty bad.

[B]

I had.

[A]

Yeah.

[B]

Why had I paid them off versus have. Okay, why aren't these. No, no debt here has been made progress. On that we have. Well, it's because anime's become the new fixation.

[A]

Yeah.

[B]

It's gambling to anime. And I think that's what we were going to talk about when we were talking about hobbits, gambling and anime.

[A]

Yeah. Well, I mean, at least I went from gambling to something that's better.

[B]

It is better, but it is clear. You get hyper fixated.

[A]

Yeah.

[B]

And then you, like, you don't care about the consequences.

[A]

Yep.

[B]

Like, okay, now we have Goon Cave. Great.

[A]

But that's why my friends were supportive of that, because at least not gambling, but.

[B]

Which I agree. But listen, replacing one addiction with another is not good. You need to work on this with your therapist. And if your therapist is fully just enabling you, which some therapists do, then we need to try to find another.

[A]

Maybe find a good addiction.

[B]

Yeah, yeah, whatever we can do wellness.

[A]

Sure. Math.

[B]

Oh, we have you type this in. Oh, sake. What is this? Oh, that's right. Because I did see that.

[A]

Yeah, that. That's wrong.

[B]

I owe $20,000, loosely, to parents that they have given me the past two years.

[A]

Yeah, it's. It's more like, I feel like you.

[B]

And World of T shirts would create, like, a nuclear explosion if we put you guys across from each other.

[A]

I added up all the Venmo transfers she sent me because she's like, oh, yeah, you'll have to pay this off later. It's 6800.

[B]

Oh, well, okay. If we have wrong information than you, then, yes, our math is going to be wrong.

[A]

Yeah. Yeah.

[B]

How'd you get that? How'd you give us 20,000 to 6,000?

[A]

Because I thought it was like 20,000. I never added them all.

[B]

Oh, for sake. Okay, so 6,000. How much?

[A]

800.

[B]

Okay, so 6,800 owed to the parents, though.

[A]

Yeah.

[B]

What's our plan with this? What conversations have been had?

[A]

Pay that. Well, none.

[B]

Come on.

[A]

Really? Huh? None. Really?

[B]

What if. How long over. How long has it been? 6,400? 800?

[A]

Like, two years? Something like that.

[B]

It's going to continue, though.

[A]

She's bringing money into your checking again. December, so.

[B]

Okay. Your dad's successful from the business.

[A]

Yeah, relatively.

[B]

And your mom?

[A]

She doesn't work.

[B]

Okay. And they're still married?

[A]

Yeah.

[B]

Okay, so you're just spoiled, coddled to your own detriment. Ask mom to get off your checking account. I need you to overdraft and feel the consequences of your actions.

[A]

I have overdrafted.

[B]

And have you felt the consequences of your own actions?

[A]

It's not good. I don't like overdrafting.

[B]

I need to get her off.

[A]

Okay.

[B]

Can you call her and ask if she can get off?

[A]

Tell me the call.

[B]

Yeah, and ask if she can get off from your. You don't want her on your checking account anymore? This is what I want you to say. I don't like how you said it to your dad.

[A]

I'm sorry.

[B]

No, it's okay.

[A]

I tried to.

[B]

Hello, Mother. My finances are bad. You keep bailing me out. Can you please get off my checking account? Okay, that's what you need to just say that.

[A]

Hello, Mother. That's funny. How did you know I call her mother?

[B]

I know. You.

[A]

Surprised if she answers?

[B]

She doesn't answer very often.

[A]

No, she might be busy with the dogs.

[B]

With dogs?

[A]

She's like. Well, my sister's dogs are there now. There's just five dogs.

[B]

You can double call. Send her a text as well.

[A]

I'll send her a text. Maybe call me back.

[B]

Yeah, yeah, Text asking to call back. And then make sure you have notifications on.

[A]

Yeah, I'll get it.

[B]

Okay. Student loans. You went for math?

[A]

Yes.

[B]

Why didn't we go into, like, engineering or something?

[A]

I started out in aerospace engineering, but I failed physics because I. It was a really bad. They didn't understand my joke, so I failed the exam.

[B]

Please do tell.

[A]

I wrote gnomes for. I can't remember exactly what it was.

[B]

No, no, no. Tell us the jokes, full context.

[A]

See, I only remember parts of the context.

[B]

Well, try that.

[A]

I was really pissed at him and it just made me drop the entire thing because I'm like, sciences are not for me if people are like this.

[B]

Try to tell me the joke the best you can.

[A]

Right. So when he was doing his lessons, he mixed up the. What is it called? The units for something and wrote gnomes. So then I did that on the exam pretty much.

[B]

And why would you joke on an exam that was funny? It's an exam.

[A]

He marked everyone wrong though.

[B]

Huh?

[A]

He marked them wrong.

[B]

Wait, how many times did you say gnomes?

[A]

That was the whole exam. Like, anytime there was gravity. I think it was gravity. But that doesn't make sense because that's not really.

[B]

You put gnomes on every answer?

[A]

No, like. Like that's the units. Yeah, yeah. And you put why the right number.

[B]

But they marked you wrong on every.

[A]

Question When I put it. Yeah.

[B]

Did you bring it up to him and tell him why?

[A]

I brought it up to him. He wasn't listening to me. He didn't like me.

[B]

Okay, well, student loans.

[A]

You owe into math.

[B]

Huh?

[A]

So I went into math.

[B]

27,000? Yeah, it's not working out. $27,424.08.

[A]

Yep. That's accurate.

[B]

Okay, thank you. And do you have minimum monthly payments?

[A]

Yeah.

[B]

What's your minimum payment? Student loans.

[A]

I don't understand how these payments work because, I mean, I would.

[B]

What payment plan are you on?

[A]

I don't think I'm on any payment plan right now.

[B]

So traditional. You didn't select a payment plan?

[A]

I was on a payment plan.

[B]

What was your payment plan that you were on?

[A]

It was like 400, 420, something like that. Really?

[B]

No, your traditional would probably be at like 300.

[A]

300. Okay. 384. No, that's the soul name. Sorry, I'm losing it. Why?

[B]

Are you okay?

[A]

I'm okay.

[B]

I mean, I see accruing interest. That is happening.

[A]

Yeah, it's probably 50.

[B]

Are you not making minimal payments right now?

[A]

I'm just doing 200 right now. I'm not on a payment plan and I don't understand why it won't let me on a payment plan. It's very annoying.

[B]

It's advantage. Just contact them. Okay, I'm gonna say your minimum payment is. Well, two. If you're saying it's 200, then. I don't know. I mean, interest is accruing for what it's worth.

[A]

200 will be the interest. That's why I was doing 200 every month.

[B]

Okay. Your minimum payment once you get on the traditional. Listen, there are some weird things with the safe plan and everything.

[A]

Yeah, but that might be a. Some weird things.

[B]

I'm gonna mark it as 300. You need to contact them. I don't want interest accruing when you're. You are not paying. Okay. It's not like they're horrendous loans. They just want you to do a minimum payment until they're paid off in the traditional ten year program.

[A]

Gotcha. You don't want me to focus on paying them off if I.

[B]

You have 30% debt on the other side. I mean, I don't want you to focus on paying off student loans.

[A]

I mean, afterwards, if I have.

[B]

Maybe they're at 4.7%. I want you to. How much is in your retirement?

[A]

Well, actually, I'm talking to. I'm talking to him next week.

[B]

Who?

[A]

The 401k guy. I've never talked to him.

[B]

Okay, so an admin that manages that for you. Okay.

[A]

I think it's definitely over 20,000, but I can't say much more than that.

[B]

Wait, do you owe on your car? Well, it was used as a loan.

[A]

It was used as collateral. They took over the loan.

[B]

Oh, okay.

[A]

Yeah.

[B]

The value of it is 17,400. 17,400 is what we're getting. Go on about the 401. So you have nothing in retirement?

[A]

I have at least. I mean, I put into 401k. I have at least 20,000 as what I remember from my last statement. I just don't know what it actually is.

[B]

So weird. So weird.

[A]

Haven't never talked to Steve. Steve.

[B]

Okay.

[A]

Sorry.

[B]

It's okay. You started your checking account with 1:57. You ended it with $35. No. You overdraft? No. Oh, savings $1.65. Grape.

[A]

Yeah, I used to have like a lot more.

[B]

Like 30,000. Yeah, yeah.

[A]

I had more in savings than that back in the day.

[B]

Well, you had more than 30,000.

[A]

No, no, I stuff. And I don't know how much. If I. You add savings. 30,000, I think was together like 20,000, then 10,000. Yeah, that makes sense.

[B]

Okay, for doordash and game funds and Patreon membership. Is that ours?

[A]

No. I don't know what the Patreon was.

[B]

We literally have more shows and better content and more content than any other membership on Patreon. YouTube memberships, all that stuff.

[A]

Yeah. I've never watched your post show.

[B]

The post show. But our Hammer Elite has all these extra shows.

[A]

It's crazy.

[B]

Thousands of hours of extra content. Literally, it's the second largest on the entire platform. And the platform has told us it is the best one because we offer more value than all the others. Yeah, it's serious. Oh, what is? Game funds. Gaming fund.

[A]

Yeah, that's the SPM bet.

[B]

Is that a couple hundred dollars to last year? This is $50. Fifty dollars. Fifty dollars. Fifty dollars. Yeah.

[A]

But I win something back, so I. Oh.

[B]

Oh. PayPal. Paying for DoorDash. Gambling. Who you sub to on the of. Oh, yeah. $16.22.

[A]

That was March, wasn't it? Yeah.

[B]

Who you subbed to?

[A]

I have no idea. I don't remember.

[B]

Was it a V or a donut? Doesn't matter.

[A]

What's a V?

[B]

Chess.com Blizzard Gambling. $50. PayPal. Paying for McDonald's. Wikipedia. Discord. Paying for Discord Merch, of course. Great. Crunchyroll. Fuel your addiction there even more. More. And gambling. Gambling. Pizza Hut. Tinder. We'll look at that in the post show.

[A]

Okay.

[B]

Yeah. Betcha Mike.

[A]

Tinder's not great.

[B]

And we'll look at it in the post show.

[A]

Oh, I could Tell you something funny about Tinder.

[B]

But yeah, we'll save it for the post show. Okay, YouTube, Denny's, PayPal, and for Microsoft, gamblingthrone.com.

[A]

What is throne.com?

[B]

I don't know. You tell me.

[A]

Is that like a subscript? Like subscribing to one of them, sending one of them money?

[B]

It's a wish list for creators. Oh, my. No, don't do that. Wishlist for creators. Oh, come on. Come on.

[A]

How much was that?

[B]

You don't even know. Like hundred $89.32.

[A]

So like a hundred. Yeah.

[B]

PayPal paying for PayPal paying for Amazon Prime, Blizzard, Blizzard overdraft. Overdraft for onlyfans and gambling of in gambling. Overdraft. You.

[A]

Sorry.

[B]

$36 in overdraft, right? That last month you've overdraft $324 this year.

[A]

Yeah, I told you it was a lot worse.

[B]

What the are we doing, dude? I want you to do so well. You're a pleasant person. You're socially awkward, but you're a pleasant person. I want you to do well. You're not going to do well like this. You've overdrafted nine months this year. But by the way, guys, these statements went through March. He overdrafted nine times through mid March.

[A]

Yeah.

[B]

Yeah. Who even knows what it's like today? Sake. That's insane. 15 to 25k in our 1k. Okay. There we go.

[A]

I have no idea how to check it, buddy.

[B]

Pull up your Amazon. Let me see.

[A]

Oh, my current Amazon's a lot worse than it was in March. I actually got the Amazon card.

[B]

You got the Amazon card?

[A]

Yeah.

[B]

What's owed on it right now?

[A]

I mean, it's different than what it was in March, so it's tough to say.

[B]

I didn't have the Amazon card, did I?

[A]

No, I didn't have the Amazon card in March.

[B]

No. What do you have on it now?

[A]

I think it's like 400, but I can pay that off right now.

[B]

Dude, that's 400. That could be going to debt you already have though. Yeah, pull up your Amazon. Just your Amazon account for me.

[A]

Okay.

[B]

What are you doing to your life orders?

[A]

I've been focusing on wellness. Now I got into skincare. Oh, it doesn't look that good.

[B]

What a hyper fixation for no reason. Yeah, you got a little makeup. You got a little makeup. You got a book. What is it? A skincare book. You got Vaseline. You got hand cream.

[A]

It was that book. That's the book.

[B]

I got towels. I don't like where this is going. Okay. Skin perfecting. 2% Bhd liquid tolerance, double repair Matte face resist, perfectly balanced foaming. Buddy, you go. You. You're going down a rabbit hole. UV clear face sunscreen. I'm glad you're doing sunscreen now, but just do that at a minimum.

[A]

I've never done sunscreen and moisturizer. I've never done anything. Changed your life. So I kind of go hard when I get into something.

[B]

Yeah, no, and it's bad razor. Lots of socks. Gotta replace the crusty ones. Contact lens case.

[A]

Yeah, I don't have matching socks.

[B]

Honey Moist shampoo. Natural bark. I don't know. Natural bar soap. Deep Moist treatment. Premium hair mask. Buddy, how much are we doing? Hair thickening shampoo.

[A]

Oh, that's just a hyper fixation I get into. Yes.

[B]

Spray, aroma, something. And you have. Oh, Elon Musk just tweeted. I'm glad you have. You have Twitter notifications on for people. I'm sorry, but I can't. I just can't stand it anymore. This massive, outrageous, pork filled congressional spending bill is disgusting abomination. Shame on those who voted for it. You know you did wrong. You know it.

[A]

Notifications can kill you. Because it's just like it's always constantly something.

[B]

I've just never had a notification on for anyone.

[A]

Really?

[B]

No. Anyone posting tweets? No, I have it on.

[A]

Yeah, I. Bad notifications.

[B]

Well, you know, Elon, if you're watching.

[A]

This, come on, Financial.

[B]

I think his finances are fine. I'm not worried of that.

[A]

It'd be interesting.

[B]

But you got a fan here.

[A]

All right.

[B]

He's autistic too.

[A]

Yeah.

[B]

Total income is 3,400. That's brutal, man. Almost a third of your income goes to debt minimum payments. 10, 94. 86. But at least we still subscribe to of. But it's a fucking Japanese. Boy or girl. I don't know. But definitely Japanese.

[A]

Probably not Japanese. I think Korea.

[B]

You're right. South Korean.

[A]

Yeah.

[B]

What's your rent again?

[A]

450.

[B]

Utilities?

[A]

Non existent.

[B]

Phone bill?

[A]

Non existent.

[B]

Okay, when you're ready, switch to helium with T mobiles in your area. Fifteen bucks a month. It'll save you money. Gas? Vroom, vroom. Drive, Drive. How much a month?

[A]

None.

[B]

What?

[A]

Yeah, how is the card.

[B]

Buddy? Oh, buddy, come on. Oh, dude. Car insurance.

[A]

80. 80.

[B]

And do you pay it?

[A]

Yeah.

[B]

Groceries, 300. Use our cookbook.

[A]

305.

[B]

305, sure.

[A]

Use our cookbook because that's $10 a month.

[B]

Okay. Use our cookbook. TP fund.

[A]

$100 dollars. Okay.

[B]

$100. Medical, healthcare, anything?

[A]

I. I do have my pills. They're probably $60 a month. That seems a little high.

[B]

As much for ADHD.

[A]

ADHD? Yeah. ADHD pretty much, yeah.

[B]

$60.

[A]

Yeah.

[B]

You wired right now?

[A]

No, I don't take the stimulants.

[B]

Okay. No subscriptions necessary.

[A]

Okay.

[B]

You have a pet?

[A]

Nope. Yeah.

[B]

You killed your cat, right?

[A]

No, no, there's a cat that lives at my parents, but.

[B]

Okay. Anything else that needs to be in your budget because this is getting kind of stupid.

[A]

I don't think so. Food. We have food.

[B]

We did. Food.

[A]

Yeah.

[B]

Okay. It's all because of debt, but 2095.80 is required to survive. What number did you have to survive? Yeah.

[A]

Why included subscriptions?

[B]

Well, we don't do that. We're paying off debt so you can have any kind of independence, buddy. Come on.

[A]

And add $25 more for TD.

[B]

Okay, listen, listen. Okay. You have an extra 13, four left over.

[A]

Yeah.

[B]

I'll subtract 100, put it to whatever you want. Okay. 100 for fun? Yeah, 100 for fun. 1,200 leftover. Let's just call that if you tackle this debt, not your student loans and some of the balances were a little different. So let me re add it up. $37,582 of bad debt. It's going to take 31 months, which is. Okay, two and a half years and a total of three years to get a fully funded emergency fund. Okay. And then you have a little more independence. What I would do is I'd pick up a second job. You said you don't have much to do outside of work. So pick up a second job, pay off this debt quicker. Try to be fully debt free. Get a fully funded emergency fund by bringing an extra $1,200 a month extra, that is by a year and a half you would be done. And then we save up a little extra money a couple months more and you go use it as first month, last month's security deposit and you move somewhere and you live a little bit of independence. Okay.

[A]

Get a better job.

[B]

I think that is the goal. Okay.

[A]

Okay.

[B]

So go bring an extra $1,200 to Extra Net with the second job, whatever it is.

[A]

Okay.

[B]

Any second job, third job, I don't care. Get rid of this and get a fully funded emergency fund in a year and a half. Then have enough to move and then move. Guys, join us for the post show. We're going to go through his dating profiles. Probably his of things and then some extra drama that we couldn't do in front of the paywall because it's, you know, big platform. But come join us. Hammer Elite is the best YouTube membership on the platform. So make sure you join. It helps us out a lot and we give you a lot in return. Hammer Financial Score Spending in a budget. You overspend. 010 debt. I mean some stupid debt. High interest debt. Come on, it's gambling. It's not good. But no collections, no IRS debt. So 1 out of 10 emergency financing savings 0 to 10 retirement. What was it was like max 25. It was between 15 and 25. So we'll call it 2021. With your income, with where you are in your age, it's going to be about a 4 out of 10. Real Estate 0 out of 10. Definitely behind for your age for retirement though. Hammer Financial Score 1 out of 10. How much have you spent on skincare total in this last month?

[A]

Probably like 500.

[B]

500. Why? See your dating app, Prof.

[A]

Dating app. Okay.

[B]

His location set to Asia. He just had his location set to Asia. I saw that.

[A]

What?

[B]

I saw that. What are you trying to get like a Taiwanese bride? Elusive Members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

[A]

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