The Most UNHINGED Financial Audit

Summary

Financial Audit Podcast: "The Most UNHINGED Financial Audit"

Host: Caleb Hammer
Guest: Justin, 30-year-old Airline Mechanic from Tulsa, OK
Date: February 12, 2025

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Episode Overview

This episode features Justin, whose finances and personal life are, as Caleb puts it, "a stack of insanity." As Justin lays bare his job history, relationship drama, and eye-watering debt, the conversation careens between brutal honesty, wild tangents, and sometimes shocking humor. Caleb attempts to unravel Justin's financial behavior, all while dealing with the most unfiltered, unpredictable guest in the show's history.

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Key Discussion Points & Insights

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1. Justin’s Background and Situation

(00:29 - 06:59)

• Career and Income:

  • Justin is an airline mechanic making $80,000/year in Tulsa, a city with a low cost of living.
  • Was previously fired from a lower-paying job ($31/hr in OKC) due to an "unsafe condition"—pushing an aircraft without following proper safety protocol.
    • “Honestly. Shouldn’t be hired again.” — Caleb (03:08)

• Living Arrangement:

  • Despite his income, Justin moved back in with his mom in September, bringing along his soon-to-be ex-wife and nephew.
  • House situation described as “1200 square feet with bugs”—including bedbugs and cockroaches.

• Relationship Woes:

  • On the brink of divorce after a three-year marriage (together four years).
  • Justin’s wife wants independence; she works part-time and aspires to cybersecurity but lacks motivation for extra hours.
    • “She would rather sleep with bedbugs and cockroaches than work extra hours.” — Caleb (09:47)
  • Justin is deeply affected emotionally, feeling a constant need “to be noticed.”

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2. Justin’s Psychological Drivers

(12:01 - 14:45)

• Desire for Attention:
  • Long-standing issues of wanting attention from parents, especially after his father’s intermittent presence and abusive history.
  • Sibling rivalry with “golden child” sister and a brother with a complicated past.
    • “What is with this be noticed thing?...That’s something we’ve not had on the show ever.” — Caleb (13:13)

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3. Job Instability and Financial Spiral

(07:59 - 20:05)

• Patchy Employment:

  • Four jobs in a single year; frequent firings or voluntary departures when dissatisfied.
    • “Even if I have a new job once a quarter, my hairline would be the same.” — Caleb (08:37)

• Military and Early Debt:

  • Navy service (2013–2017) didn’t break the habit of accumulating debt—started as early as 16 with truck modifications.

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4. No-Budget Lifestyle and Debt Avalanche

(23:31 - 31:16)

• Spending Patterns:

  • Justin estimates monthly expenses at ~$2,400, but the reality is $7,766+ (Caleb calls out the discrepancy).
    • “You spent $7,766. What the are you talking about?” — Caleb (23:52)
  • Money comes from loans, credit cards, and gig work—“rob Peter to pay Paul.”

• Never Budgeted:

  • Justin admits to never budgeting.
    • “No, because I’ve always had either something to fall back on.” — Justin (24:00)

• Parent Bailouts:

  • His mother has repeatedly paid off Justin’s debts, which now jeopardizes her retirement.

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5. Reckless Financial Choices

(34:46 - 56:01)

• Credit Card Catastrophe:

  • Over-the-limit cards with minimum payments dragging out debt payoffs for years.
  • Purchases include fishing gear (via high-interest BNPL services), hobby equipment, tools, and overspending on fast food and vending machines.
    • “You’re over the limit on this card...You just immediately [mess] it all up.” — Caleb (29:34)

• Disastrous Car Loan:

  • $31,919 balance on a 2019 Hyundai Veloster (worth only ~$12,500) at a 16.99% interest rate; purchased for $36,000.
    • “You have yourself. I will.” — Justin (53:36, joking about self-destruction from car debt)

• Hobbies and Friends:

  • Still spends on Airsoft and fishing despite finances; judgmental about friends who also borrow money.
    • “Everything I’ve done so far has been ridiculous...I always thought my 20s was just be the around moment and then I’ll get together.” — Justin (43:32)

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6. Layered, Stretching Debt

(66:00 - 77:00+)

• Debt Details:

  • Various debts:

    • Tools (high-interest weekly payment plan, $22k+ @ ~32%)
    • Credit cards (multiple, some closed/maxed)
    • Auto loan (wildly underwater)
    • Student loans ($22,873 — taken out after GI bill to cover CC debt)
    • Debts to family, former employer (due to contract breach), government (unemployment overpayment), and medical bills

  • Debt Behavior:

    • Routinely takes out new personal or payday loans to cover minimums elsewhere.
    • “I recognize I’m a Rob Peter, Save Paul kind of PayPal person. And it’s not working.” — Justin (45:30)

• Budget Building:

  • Caleb builds a budget using Justin’s claimed $5,000/month net income.
    • Justin could theoretically pay off $76,643 in bad debt (excluding medical/student loans) in ~4 years if he sticks to a strict budget.
    • But Caleb expresses strong skepticism about follow-through:
      • “I don’t think you’re getting out of debt. You’ve been down this cycle a thousand times and refuse to change your behavior.” — Caleb (76:15)

• Emergency Fund and Homeownership:

  • Justin’s plan to buy his grandma’s house is dismissed as premature until he sorts debt and builds an emergency fund.

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7. Notable Quotes & Wild Moments

• Justin’s Confessions:

  • “I want to be noticed by you too.” — Justin (14:41)
  • “It’s not calling you Hammer daddy, but…” — Justin (14:47)

• Caleb’s Raw Reactions:

  • “Don’t make this weird.” — Caleb (14:45)
  • “No wonder you think you live in a food desert with a Walmart next door.” — Caleb (51:08)
  • “You’re spending in a budget score. You overspend. 0 out of 10…Debt: 0 out of 10…Emergency fund: 0 out of 10…Retirement: 1 out of 10.” — Caleb (87:24)

• Unhinged Tangents:

  • Admission of using machines in place of physical relationships, references to “tug is the drug.”
  • Frequent nose whistling derails conversation; Caleb insists Justin “breathe through your mouth.”
  • Lane-jumping between topics, including therapy, family trauma, sex work websites, and tool collections.

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Timestamps for Key Segments

• Intro & Situation Setup: 00:29–06:59
• Family & Psychological Drivers: 12:01–14:45
• Employment Instability: 07:59–20:05
• Budget/Spending Breakdown: 23:31–31:16, 34:46–56:01
• Debt Avalanche: 66:00–77:00
• Budget Math & Wrap-up: 83:07–87:45

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Tone and Format Highlights

• Extremely candid, at times crude, humor and self-deprecation on both sides.
• Host vacillates between exasperation, compassion, and ridicule—especially in response to repeated excuses and justifications.
• Justin is endearingly vulnerable but deeply flawed and often unable to stay on topic.
• Show delivers practical advice, calls for therapy, and prescribes strict budgeting—while expressing honest doubt that it will be followed.

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Memorable Moments

• “Hundreds of thousands of people are noticing you now.” — Caleb (14:07)
• “Airsoft? It’s for 16 year olds.” — Caleb (42:17)
• “You can’t afford that hobby, obviously. Just swim. Catch them [fish] with your mouth.” — Caleb (59:27)
• “You have yourself. I will.” — Justin (53:36, on car debt; said jokingly about unaliving himself)
• “Your student loans. Is there a minimum payment? No forbearance right now. Already talked to them.” — Justin (77:04)

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Summary

If you like your financial podcasts raw, unvarnished, and utterly chaotic, this episode delivers. Justin’s genuine, almost compulsive honesty evokes both empathy and jaw-dropping disbelief, while Caleb’s sharp critiques and constant calls for self-accountability create a relentless reality check. The episode ultimately becomes a cautionary tale about learned helplessness, emotional spending, and the dangers of being bailed out instead of learning hard financial lessons. Despite the chaos, there are real-life takeaways: do not ignore budgets, bailouts are not solutions, therapy matters, and it’s never too late—but you have to change.

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For full financial breakdowns, exclusive post-show calls, and more, join the Financial Audit YouTube channel.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. You're admitting this online right now?

[B]

I am. It's a conscious clearing thing.

[A]

The a million warnings we gave you before coming on here.

[B]

Yeah.

[A]

What the are you doing? Well, hundreds of thousands of people are noticing you now.

[B]

I want to be noticed by you too.

[A]

Don't make this weird.

[B]

I'm not trying to. It's not calling you I'm Hammer daddy.

[A]

But now it is. Download my new simpler budget app today and take control of your money once and for all.

[B]

Hey, this is Justin. This is financial audit. I'm 30 years old and I'm an airline mechanic.

[A]

And this is Financial Audit. Welcome. Okay, a little out of order there, but that's okay. Yeah, don't mechanic my airline and we'll be fine.

[B]

That's the most of my life wellness.

[A]

Usually people don't say. What did you say there? You're from Tulsa, Oklahoma.

[B]

Yeah.

[A]

You missed out something, but that's fine. Okay. So, airline mechanic.

[B]

Yeah.

[A]

How much you making? I mean, did you say 30?

[B]

Yeah, I'm 30.

[A]

We're one year apart, my dude. Dude, no, no, I'm 30 in like half a month. You're grand.

[B]

Yeah. I mean, shoot. This be you in about one more year, bud.

[A]

When did you start graying?

[B]

I. I think I was like 20, 22. 21.

[A]

Okay, well, that sounds like a you problem then. Okay, so what do you make in this airline Mechanic living?

[B]

I make 80, 000 a year.

[A]

And in Tulsa, not too bad. It's not necessarily known for being an aggressively high cost of.

[B]

We are the top 10 lowest cost of living.

[A]

Wow. So $80,000.

[B]

Yeah.

[A]

Does not explain this stack of insanity. Honestly, haven't had a big stock like this in a while. I've had quite a few small stacks for a bit. And this is insane. The things that are in here that we discovered and just chaos beyond chaos beyond chaos. It's going to be. It's going to be an interesting one. How the.

[B]

Well, I can explain all that, man.

[A]

Well, before that, just. How are you doing? How you living? 80,000 hours. How does it Tulsa?

[B]

Not very good. I'm back in my mom's house. I have to move back in.

[A]

$80,000?

[B]

Yeah. If you really want to like buy a house nowadays, you gotta like think about like lowering your costs.

[A]

So is that what it is? It's literally just trying to be savings.

[B]

Opportunity that and I up and. And losing my job over a thing because I made an unsafe condition the $80,000 job? Yeah. They.

[A]

Well, I asked what you do for a living.

[B]

You said this, not this job. I was the last job at as in Oklahoma City and they were only paying $31 an hour, so I feel like I did good by fuck and falling back into this job.

[A]

Okay, well, I'm glad you make more. I mean, I would have rather you had just changed jobs, but. Okay, so you're saying it's a good thing that you got. When did you get fired?

[B]

I got fired in September or around September.

[A]

Okay.

[B]

Why? Unsafe condition. I. Yeah.

[A]

This is important.

[B]

Trying to. Trying to push a plane out without doing the proper channels too.

[A]

What the. Yeah, you should be fighting. Honestly. Shouldn't be hired again.

[B]

Yeah, but.

[A]

Yeah.

[B]

Oh, but good thing is, is I skipped ahead through my stuff to before they could. Somebody could do a reference on me to get this next job.

[A]

Buddy, I'm going to call out a couple things real quick. Yeah, just. Just a. A couple things. One, breathe through your mouth because your nose whistles.

[B]

Two.

[A]

As the A million warnings we gave you before coming on here, you know, your current employer is pretty probably going to see this.

[B]

Yeah. Yeah.

[A]

Which by the way, we also ask. Hey, what can we not talk about? Whatever they decide not to talk about, we don't ask a second question. We just don't talk about it. What the are you doing?

[B]

More along the lines, as I was doing inspection did everything was supposed to pull circuit breakers. I did it without pulling the circuit breakers, which I still was able to do the inspection, but because I was in probation, they were like, hey, you can't do that in the future. You need.

[A]

You're admitting this online right now?

[B]

Yeah, I am. It's. It's a conscious clearing thing.

[A]

Sure, sure, sure, sure, sure, sure. Clear. Clear those nasal pathways.

[B]

Yeah.

[A]

All right, man. Well, very bold and brave of you. Again, if people knew the onboarding process, the amount of opportunities you had to not do that. Okay, cool. So why are you struggling? You said, oh, there's a reason for this and that and this and that. So you moved in back with your mom in September?

[B]

About September. October. I got a job at. At an airline for general aviation. And then I fell into this next job.

[A]

What does fall into?

[B]

Whereas, like, I didn't really like the job because it didn't fit me bad good enough, and it wasn't paying me fast enough for what I wanted. Fast enough because I knew in my industry that I could get paid more by going.

[A]

They weren't paying you enough. Yeah, fast enough. Okay.

[B]

Yeah. But for. For me to. Because my Grandpa died and that's why I was like, I need to get by his house and stuff.

[A]

Need to buy his. Okay.

[B]

Whoa.

[A]

There's so much to unpack here, buddy. You were just. Well, you were laying it down. You were just like massive things. When did you move in with the mom?

[B]

September.

[A]

September. September. You moved in with the mom as a 40 year old, 30 year old. Moving back in with your mom. Okay.

[B]

Yeah, with my soon to be ex wife.

[A]

Soon to be in September. What's going on there?

[B]

So before I even took all my tests for all these stupid. Well, my career is not stupid, but.

[A]

Well, I feel like I would actually like you to pass the test when people's lives are in your hand. Yeah, I. I can fill out Google forms.

[B]

Yeah. Is that she decided that she wanted to feel independent and be independent and be like I. We rushed into it and be like, oh, don't want to be with you anymore.

[A]

Maybe she wants to fly without crashing.

[B]

Yeah, most people do.

[A]

Okay, so.

[B]

I mean, you only get to do that once in your life. I don't want to be the person that makes you feel that way.

[A]

Yeah. No one fly out of Tulsa.

[B]

Oh, my fleet's all across the nation is what I work on.

[A]

Oh, comforting.

[B]

I'm a maintenance.

[A]

Comforting. You know what's really interesting? Because this conversation is crazy. Even my producers are giggling right now. It's like I keep seeing people ask like, is this show fake? No, this is reality. We are in this. No, it's okay. You guys can laugh. It's okay. They just. They equally cannot comprehend what is happening right now. But I know you're spewing. Yeah, I. I feel it and hear it. It's happening right now. Okay, so how long were you guys together?

[B]

We were. We're three years in February and she.

[A]

Decided in February of last year, so about to be four. Okay, so you guys were basically four years together when you guys. When did you get engaged?

[B]

We got engaged July before that year. So in like 2021. We lived through Covid together and all that stuff. This rough time to be dating and like getting together with someone.

[A]

So moving in with mom, she wanted to be into. Well, honestly. Okay, I mean, hear me out. This is. This isn't coming from a place of judgment. I'm just trying to put myself in her shoes. If. Well, what's her career?

[B]

What does she do for a living? She's a part time clerk at a.

[A]

Okay, so she's not the bread winner of the household.

[B]

No.

[A]

If I'm not the breadwinner. Of the household. And I'm marrying someone who is. And I feel like that person keeps getting fired because people are going to crash and burn and die. And he. He's a 40 year old, 30 year old moving in to his mom's place and taking me with him. I might seek some independence as well.

[B]

Yeah. Especially since I. Before that I had gone through four different jobs.

[A]

I thought you're gonna say divorces, four different dodges. How long?

[B]

Say again?

[A]

Four different jobs and how long? Go ahead, take a swig.

[B]

Within one year.

[A]

How? How. Okay, so the 80, 000 hours that wrote down's exciting. How confident are we going to keep that?

[B]

Pretty confident.

[A]

Why are you feeling that confidence?

[B]

I've learned my lessons since the. The OKC job and what you learned.

[A]

Your lesson to do your job?

[B]

Yeah, and not to skip steps.

[A]

Even if I have a new job once quarter two, my hairline would be the same.

[B]

Even if the. It's more along the rules that like how the. The culture is within that type of place where they want to push the plane out as fast as possible. That's why.

[A]

Of course they do. But that doesn't mean they're. They obviously have the standard. Which is why you were fired.

[B]

Yeah, that's why I didn't make it past probation.

[A]

But what makes you think you're gonna stick to this now?

[B]

Holding myself accountable and knowing that I have gambled everything to get to this job.

[A]

What have you gambled? Cause. Yeah, this is. Man, this is thick.

[B]

A lot of that is living expenses, like having for my apartment to stay.

[A]

Mom.

[B]

Well, my apartment when I was in a house.

[A]

She moved out.

[B]

No.

[A]

So you guys are living together with your mom as Ex. Fiance's.

[B]

And nephew. Nephew.

[A]

Okay.

[B]

In a very like 1200 square foot home with bugs and all the other stuff. Yeah.

[A]

What bugs? Like there's a cricket that you have to smash every once in a while.

[B]

No, they have. They have in their name and some. Some have beds in their name. And.

[A]

And why are you still there? You make $80,000. Why is she still there?

[B]

Because she doesn't want to work extra hours.

[A]

Yeah. She would rather sleep with bedbugs and cockroaches than work extra hours. She wants independence, but she's not able to work for her. I think she needs to come on the show. Maybe we'll call her on the post show. That's when we.

[B]

I've tried to do the whole shtick of like how you do your show to her and she's like, don't tell me. I Like that don't do.

[A]

Come on.

[B]

I get it. It's just. I mean.

[A]

I don't. I don't. Like, I'm just trying to think. Like, how would I take that conversation coming from you? I'm sorry.

[B]

Well, I'm just trying to follow. I was just trying to follow the formula.

[A]

Well, also, you have to remember, you can't just have that conversation with people. I don't walk up to people on the street and have that conversation.

[B]

Yeah, I am.

[A]

We have people that are volunteering weeks in advance. Like, trying to have that conversation. If you're just going up to her you like, I don't think she's gonna be very receptive. Here, eat this, cockroach woman.

[B]

Well, she. I mean, I've even tried to get her to push her to go take her test for cybersecurity, which I even. I had a.

[A]

Why is she taking a cybersecurity test? She works at a gas station. What do you mean?

[B]

She wants to do cyber security and move out and be like her friends.

[A]

But does she have a degree or certification in cybersecurity?

[B]

Yeah. I even had to push her to go do that. Like, I had to poke and prod.

[A]

Maybe you should have left her. She sounds like a low life, like a never achiever. And who can be around that?

[B]

I would. You're kind of like. You don't have the. Before I was on what I am now I on. Yeah. I take a medicine for anti anxiety. I got.

[A]

Okay. I do too. It's called Celexa.

[B]

Yeah. I'm Venaflexin.

[A]

So is that a medicine?

[B]

Yeah.

[A]

Okay.

[B]

And is like desperate for to be noticed and I feel like.

[A]

So you're just saying because you got one. Because you got a lady. Yeah. The wife that like. Okay, I'm just going to deal with all the bullshit.

[B]

Yeah.

[A]

How'd you get in all this debt other than obviously being fired once a.

[B]

Quarter spiraling in the Navy of getting a credit card, thinking I was going, yeah, I was.

[A]

When were you in the Navy?

[B]

I joined out of high school.

[A]

How many layers are in this thing?

[B]

A lot of. A lot of. Yeah.

[A]

Yes.

[B]

Yeah. Enough to make someone cry. So. Yeah.

[A]

When were you in the Navy? Was the question.

[B]

I. I was started out in 18. I did that.

[A]

18. 2018.

[B]

No, 18. I was 18 years old.

[A]

I asked when were you in the Navy? I was. 18 is not a date.

[B]

2013.

[A]

Okay.

[B]

To 2017.

[A]

Yes. Yes. We are about the same age. That actually makes sense. Let's try. Can I can do that math okay. To when?

[B]

I'm sorry, 2017. I did four years and the spiral.

[A]

Started in the Navy. But you ended in 17. That's so long ago now.

[B]

I'll be honest. It's. It's spiraled into like when I was 16 and I got my first car and I did modification.

[A]

Okay, so now we're going back to 16.

[B]

Yeah. Well, I mean, I'm being honest. Like, if I'm being honest here, it's just.

[A]

I would like that is.

[B]

That is When I was 16, my mom took my dad's truck away and gave it to me, and I was able to start modifying it and get into. And make it look cool and try to be noticed and stuff by girls and stuff.

[A]

What is with this be noticed thing? I like going on dates too. Dates are super fun. Well, I make all these jokes about it, but. Oh, it's super fun to go on dates. But what's up with this? This like. Like incessant need to be noticed and willing to bet your entire financial future on it? That's actually. That's a. That's something we've not had on the show ever. As far as I know is because.

[B]

I feel like I need to compete between my brother and my competition to be noticed by my mom and my. Well, my dad left me, but. Or he doesn't left me. He came in and out of my life.

[A]

He's just getting some cigarettes at the store. That's okay.

[B]

It was more beer than anything. And then the beating. But yeah, hold on.

[A]

I shouldn't giggle at that. This conversation is just wild. This conversation. That's not funny. That's not funny. That's. I'm very sorry you went through that. I'm giggling. More of the video of this conversation.

[B]

It was against my mother. Me watching it.

[A]

Okay, buddy, I don't. The way you say this is just. I'm not laughing at the situation. I'm laughing at just the way you lay these things out. You're just so. Just. Okay, well, hundreds of thousands of people are noticing you now. I hope it makes you feel better. So competition. So. Yeah, we don't want to be noticed by him. He's a piece of. If he ever comes back, call me over. We'll beat him up together. He's a.

[B]

Well, I mean, the whole thing I want to do is just. I want to be noticed by you too.

[A]

Don't make this weird.

[B]

I'm not trying to.

[A]

No, no, no.

[B]

It's not calling you Hammer daddy, but.

[A]

Now it is weird.

[B]

I don't have A filter. I just keep going.

[A]

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[B]

You're giving me stuff at the end anyway.

[A]

We're 17 minutes in. This is okay. I appreciate your existence.

[B]

Well, you're the first one to say that.

[A]

No, stop.

[B]

I mean, my dad Didn't I know that.

[A]

But that's good. Good. That's good. You're very forward. You're very unfiltered. I like that. It's rare. It's rare. A lot of people kind of reserve themselves on the show.

[B]

Well, everybody thinks I'm a little on the spectrum, but A little. So thanks to this insurance, I might be going tested after this that I finally gotten this year.

[A]

You finally what?

[B]

I finally got insurance after six years of not having it. It's probably one of the reasons why I was like, all right, whatever spectrum.

[A]

We'Re on, let's try to stay on it instead of jumping to another one. This is like, we need to like stay on this path. Stay on this path. Breathe through your mouth.

[B]

Do I talk to you now about bond ladders or do I talk later about bond ladders? I've always want to know what your opinion was on that. Or do I?

[A]

You got $111,000 in bad debt. Yeah, bond ladders.

[B]

I, I, I'll get out of it soon. I know I can. I mean I'm making 80,000.

[A]

You are making 80,000. But you know, I, I want to be clear, this is not an income situation. I'm struggling to find a way to like get into this conversation. Cuz you're interesting but like I keep trying to understand you a little bit more, but it just keeps unpacking, unpacking, unpacking. Did your mom not pay attention to you very much?

[B]

She had to deal with my brother going to juvie and then going to in and out of prison and having.

[A]

Is he in prison right now?

[B]

No, he actually owns a dispensary up in Oklahoma. He's doing pretty well. He just got married. Hate him, but.

[A]

Well, you almost got married too.

[B]

Almost.

[A]

You hate him.

[B]

Yeah.

[A]

Because he took the attention away.

[B]

Yeah. And some other things, this attention, things we've gotten in fights.

[A]

Go to therapy.

[B]

I did. I have gone to therapy, buddy.

[A]

I'm sorry. You desperately need to go to therapy to unpack this.

[B]

I've done a lot of self help stuff too, and reading and trying to help and, and everything.

[A]

You need to talk to a professional. Sondermine. It's our partner for guests and for the audience and for myself. You get three free therapy sessions thanks to them. Thank you. Sonder mine, please see them and I can get you, I can get you, we'll get you a cyber security tech certification through course grids. I think they have that for your ex so that you can get out of the house.

[B]

She's Already got the certificate. Certificate and.

[A]

Okay.

[B]

And she has one of the licenses, but she still won't will enough to work to. To even go.

[A]

A lot of this stems from the need to get attention. Is that what we have Learned in the 20 minutes of this conversation is that we'll package all this down? Is that what we are learning? We started with the car. Pumping money into a car. What kind of car? At 2013.

[B]

2010. So that was a Chevy Avalanche. And then.

[A]

So we're pumping money into a Chevy Avalanche so that girls see us. So that mom sees us. And you said your sister took attention away from you too. So what was. What was up with the sister?

[B]

I feel hers more of the golden child. And so she's a nurse. Anesthesiologist now. Cool.

[A]

But back then.

[B]

Yeah. Were you.

[A]

Do you feel like you were ignored?

[B]

Well, because my mom basically had to be a one. A single parent taking dad.

[A]

Yeah. That's very difficult.

[B]

Yeah. And having to work night shifts to afford all three of us with the whole bail and everything of my brother.

[A]

So you got noticed by this girl. How did you meet this girl that you're, I guess breaking up with Heaven because she lives with your mom?

[B]

Yeah, that's. I met her through work. As in I used to work with her at the local gas chain. Quick Trip in Tulsa.

[A]

Yes, the local gas chain.

[B]

Yeah. Well, that's where it started with salsa. Okay. I actually was suggested to her by my mother and everything that's like to go talk to her and stuff. She wasn't even on my radar until my mom said anything.

[A]

Okay. We might call her in the post show. This is weird. We gotta get into these finances. Man, this is so such an interesting episode. Breathe out of your damn mouth. Your nose makes instrumental sounds.

[B]

Okay, okay.

[A]

Give me where you think your finances are. 0 out of 10. 0 being the absolute worst. 10 being the absolute best. Where do you think you are?

[B]

Zero.

[A]

Okay. That's reasonable. If you want your Hammer Financial score, see where you are assessed at. We'll link in the description below or just calebhammer.com and you can come on the show as well. If you're as forward as this guy, definitely feel free. We'd love to have you down here in Austin, Texas, go through the onboarding process. All the good stuff. It's a good time. Go to caleb hammer.com/apply. Which by the way, you know, we'll get you hooked up with things. So I'm. I am glad you're here. I know it's been. I been meming on you a little and I appreciate. But thanks for being here. Thanks for taking the trip from Tulsa. I really do appreciate it. And hopefully we'll get you on the right path. Yeah. Cuz that is the main goal here. Yes.

[B]

Hoo. Yeah.

[A]

Huh.

[B]

It's a saying in the military. It's just like to go with it.

[A]

Like, hey, thought that was a marines thing.

[B]

No, that's Ura Whoia is Navy or is like how I learned it. I might be just picked it up somewhere else.

[A]

Out of your mouth.

[B]

All. All of them have a little like, let's go saying.

[A]

M. What is M?

[B]

This is a document called M. M is his mercury. It's a. It's a credit card. It was. I got it during my time at.

[A]

You distracted me so much that I forgot to even ask you, like, what hits your account on a monthly basis of my.

[B]

What goes into my account? Monthly basis is 5,000amonth and then on.

[A]

When did you get this job? Because I do not have that. I have a thousand eight hundred thirty nine that hips through payroll that.

[B]

I got it in December. We just got a. Through our.

[A]

So $5,000 a month.

[B]

Yeah. Through our union contract, we make 2500 every two weeks now.

[A]

Okay. 5,000 hours a month. Yeah. Net yes. Now on the month, by the way, that you made 1839. Let's just say that's. I was gonna say you bring in the 5,000. That's okay. What did you spend in the month breathing through your mouth?

[B]

It was. Well, it's a lot. I. I doubled down. Instead of doing 5% of matching my company, I put 11. That's why it's 8.

[A]

That's not calculated in your spending.

[B]

Yeah.

[A]

I'm asking how much you spent in the month that we're looking at.

[B]

I would say about 22 to 2400. Yeah.

[A]

You spent 7766 hours. So. What the are you talking about?

[B]

I. I don't know.

[A]

Obviously. Have you ever made a budget in your life?

[B]

No, because.

[A]

Why?

[B]

Because I've always had either something to fall back on.

[A]

Like the Navy fall back on your fallback. You know, the things that came in. You know, we actually had money coming in. 6,341. 1839 of it was your income. Guess what the rest was? Personal loan, acorns, deposit earning, disbursement, credit, fresh funding, lending club, cash app, loan drawdown.

[B]

Yeah.

[A]

So what the are you talking about? Things to fall back on? You borrowed like a thousand personal loans in one month?

[B]

Well, that.

[A]

Oh, oh, oh. While spending 670 going out to 8 is that my fiance just broke up with me. I'm gonna go gorge. Miscellaneous. This could be video games. It can be whatever was $929.

[B]

It's more along the lines like I have. I just want to go out and eat and. And I don't. And eating at the cafeteria at work and stuff because we're in a food desert and I don't have. And I forget to pack.

[A]

Tulsa.

[B]

Yeah.

[A]

The entirety of Tulsa's a food desert.

[B]

The. Where my base is. Your base? Yeah, the. The air. The airline base of.

[A]

We'll bleep it out. What's the airline base called? Tulsa's like eight minutes to drive anywhere. Like, this is not that big of a city.

[B]

Yeah.

[A]

Two, Aldi is not that far away. Three, Walmart's literally right next to the damn airport. Shut the up. Food desert. You know what a food desert is? Means they have nothing but dollar stores. Yes, there's a lot of dollar stores. But you have a Walmart right there. Shut the up. You also have an Asian market right there. A Latin. Latina supermarket. I guess it's. It's a feminine one. What are you talking about?

[B]

But I'm only allowed 30 minutes to get into my car.

[A]

You bring your damn food. What the are you talking about?

[B]

That's what I was talking about. It's like. It's only 30 minutes. Like the whole thing.

[A]

It. Yeah, I'm not saying you're going to.

[B]

That's why I was trying to use the cafeteria is just like, hey, yeah, your little tit.

[A]

You think when people go and eat food. Every single time I eat food at home, I'm stopping at the grocery store to eat food at home. You think every time someone packs a lunch here, they're going to the grocery store to get to eat their meal here? No. You go to the grocery store once or twice a week.

[B]

Yeah.

[A]

That's what it is. And you pack your food and bring it to the Damn airport. You're 30. How the. Have you not able to. Can you cook?

[B]

My basic skills is rice and chicken.

[A]

Okay. Use our cookbook. We have a budget friendly cookbook. That's one of the things you get. People get it when they sign up for the app. Our budgeting app. You get the budgeting app as well. Simpler money you get to join or simpler budget, you get the joy and simpler money premium. So you get access to all the live sessions every week with financial professionals, the community, the mini classes. But most importantly for you, obviously, one budgeting Automatic connection to your accounts to use the cookbook and cook.

[B]

Yeah, cook I will.

[A]

You don't live in a food desert. That was a bad excuse because it was bullshit that I was able to call out immediately. Yeah, you don't know what a food desert is. Thank you so much to the tens of thousands of people who downloaded my budgeting app Simpler Budget. It means a lot. So much so that we wanted to extend our offer. There is now an extra week left to get a third 30 day trial to Simpler Budget with a 30 day free trial to Simpler budget premium and lifetime access to my new budget friendly cookbook. On top of that, anyone who signs up for an annual membership right now or before February 14, which is my birthday and renews at full price will be sent a free Founders edition notebook. Upon renewal, all copies will be decked with our Founder's edition stamp and the Simpler Budget logo and signed by me. Just make sure you provide us your address and your proof of purchase in the email we send you. Thanks again to everyone who's already downloaded Simpler Budget and you can download it right now for free@caleb hammer.com app I.

[B]

Was just thinking for the area for around my work. I know that no one goes to.

[A]

The grocery store to make a meal for every meal.

[B]

Yeah.

[A]

In America at least.

[B]

I should have ordered that differently.

[A]

How would you word it? Giving it another try.

[B]

Is that that I just don't want to cook. Is this like because it's just easier like to be honest and just. Just go to a cafeteria.

[A]

That's more important than being able to move out from your mom's with your ex.

[B]

That's why I'm here is just like because I want to figure out if.

[A]

That'S why you're here. There's. There it is. There's a catchphrase is you've seen the show. Come on. Everyone says that.

[B]

Yeah. Just like I'm trying to like put it mentally acquire it.

[A]

Okay. Use the cookbook. Yeah, use the cookbook and start making some of this. So why do we have this credit card, this mercury which is at Is.

[B]

This that I had it for two. Try to help keep my overall credit limit high.

[A]

Why. But you abuse your credit limits. You just immediately it all up is what's the oh, you're over the limit on this card. I use this to get my credit limit up. You're over the limit. What are you talking about?

[B]

Well I was paying off and then it just oh, guess what.

[A]

Doesn't matter because it's over the limit. I don't give a. If it was being paid off. It's not being paid off. It's not being paid off. There's no paid off.

[B]

Yeah, well, it's just because I had. I haven't had a car payment until just two years ago, and that's why.

[A]

Well, you haven't had a car payment until two years ago. Yeah, you're two years ago. This is not. What. What do you mean? You can change so much in two years. You got fired from a job every damn quarter. That's different.

[B]

Yeah, but I kept a job for over five years. Is like. And then you got making four years.

[A]

Yeah, if you get fired from four in a row, I think you. Is what I'd say. And leads me to no confidence of maintaining this income. We'll make a budget around it at the end. But even still, how long does this take to pay off? Just the minimum payments without purchasing on it, which, by the way, you do seven years. Okay, 19. You purchase 1110 on here. $58 of interest over the credit limit. What the is your philosophy here? Oh, I'm a lower credit limit because I purchased the car two years ago. You. It's because you spent 11 $10 in it last month. What are you talking about? It's because he got a car two years ago. Excuse. Excuse. Excuse. You be an adult.

[B]

Yeah, yeah.

[A]

Go ahead and answer.

[B]

Is this. It's just the. As.

[A]

It's okay. Take a second. Take a second. Take a drink.

[B]

You're.

[A]

You're a good man. I know it's hard to get confronted with the reality for the first time in your life.

[B]

Yeah.

[A]

No one's ever done it.

[B]

I mean, I understand that because I've. Oh. I mean, I was paid attention, but I was also really coddled because of how my dad treated my mom and stuff.

[A]

So she coddled you. Yeah, but I said she didn't give you attention.

[B]

I mean, she bailed me out more than three times.

[A]

Failed what?

[B]

I built up a loan in the Navy. She paid it off. I built it up when I moved out of her house the first time. And then she paid it off, and then she paid off part of it when I got married. But she. But she has a good heart.

[A]

That's why I'm like, obviously, that's. That's why I'm against either, but I'm.

[B]

Starting to see the effects. She's not going to be able to retire.

[A]

Are you kidding me?

[B]

Yes. I'm sorry.

[A]

It's okay. There's tissues right there. But that's why I'M against debt consolidations and honestly even I'm not against that consolidations. But I'm against that consolidations and bankruptcy and stuff. Unless you fix your behavior first because people just end up in the same situation. You didn't learn a lesson. You just had a bailout. How old is she?

[B]

My mom is 57, I believe now 58.

[A]

Luckily she has a little time on her side. It's just not like crazy, but. But I mean, I don't want to really working into her 80s. Out of your mouth. Open those lips. Open those lips. Good boy.

[B]

O. So. Oh yeah. You want to say something? I know you do. I'm ready for my beating since, you know.

[A]

Stop. Oh no, we don't make those jokes in your episode.

[B]

I mean I went to a whole club for it, so.

[A]

Okay.

[B]

And I can tell you all about the other time. You saw that a couple of weeks ago for Christmas.

[A]

Why he comes around the family.

[B]

No, he doesn't. I go visit him. Because you want to. Yeah. We've had a rough time, but I also know he has a piece of shit. Well, we've gone through that. He has some mental disorders now that he's finally gotten recognized for what?

[A]

I don't think people have the. I hit my spouse mental disorder, bipolar.

[B]

Disorder and stuff like that.

[A]

I know people bipolar. They don't.

[B]

Either way, he's also. He's a very, very violent alcoholic.

[A]

Has he. There it is. I think that's a bigger play. Combine them. It obviously gets worse. But he never. He. She's never around him. Right. Cuz that's.

[B]

No. They're separated. They've been separated for 20 years.

[A]

Him.

[B]

Him.

[A]

I. I honestly wish him 12 years. I honestly wish him the worst.

[B]

Yeah.

[A]

I. That's not.

[B]

Well, he's in the worst. He good. I mean very. After they separated.

[A]

I'm a very redemption person. I'm good with pre redemption on anything. Well, unless you like touch a kid or unless you beat like a spouse or pet or. Yeah, you know, kids. Those are. Those, you know, those two things. Oh, there's no.

[B]

Six weeks after getting separated, he had a major wreck that crushed his whole leg.

[A]

Good.

[B]

And he got a payout for over $100,000 and then squandered it all.

[A]

Kim. And I mean I. I never wish ill on like my enemies. Even the people that like have like tried to like harm me. Industry and just different stuff, whatever it is. Like even them. I'm not like actively wanting something bad to happen. But you do that level that he did.

[B]

Kim.

[A]

I Hope the worst happens to him then. That honestly sucks to have that feeling, but it is what it is. So 82 minimum payment on here and 50 cents. What were we saying there? We were obviously on an important topic.

[B]

We were over the limit and we were. We were spending over a thousand one hundred.

[A]

Yeah. Why are you doing this? Because you said. You said it because I got a car two years ago. That's objectively incorrect. You put half your balance month right now.

[B]

It's.

[A]

I. What we're talking about.

[B]

It says I like to use the. The little split four payments on these credit cards to pay for.

[A]

Oh, yeah. Zip pay later. Zip pay later. Zip. Two installments.

[B]

Zip pay later for pay for fishing and stuff. Is this like my fishing? The tug is the drug, man. I can't.

[A]

And if the tug is the drug.

[B]

Yeah. If. If you ever been a part of the.

[A]

That I bet you're a part of the tug community. Especially now with her gone.

[B]

No, I. I try to have something else do that for me.

[A]

Something else?

[B]

Yeah. Well, I don't know how much I can share on that, but.

[A]

You can share as much as you want. But I'm beyond curious because you didn't say someone else.

[B]

Well, I mean, there's like machines that can do it or it's not.

[A]

You're not using like a fish, are you?

[B]

No, I'm not using a fish. Fish. But no, I was like those auto blowers or. Or if you ever know the place called dot com. Yeah.

[A]

What is that?

[B]

Yeah, it's a, you know, like a hookup site. Well, kind of. It's. It's where you go for like massage parlors and stuff like that.

[A]

You're admitting to a crime. You're admitting to a crime.

[B]

Oh, no, I've never actually done it. It's just.

[A]

Why would you bring it up, you know, it.

[B]

Well, I've always been interested in it, but I always know.

[A]

Oh, we know you have. There's no way you haven't.

[B]

I haven't.

[A]

There's no way you're using machines.

[B]

I'd rather use machine sometimes because, I mean, you don't have to pay for it after Pay for all the extra.

[A]

Where are we?

[B]

And I'm too afraid to be somebody's bottom in prison or something.

[A]

You spend money at McDonald's and Shields. Some bull market. Probably more shields. Popeyes. You went into qt. Couldn't stay away after you left there. Or you were trying to see the Mrs. Almost and got some from there.

[B]

Yeah.

[A]

58 hours of interest and just. You Know a month last year, $513 breathed from your mouth. You 31.49% interest rate on this card.

[B]

It's not the best.

[A]

Well, ladies and gentlemen, we made it through one card at 40 minutes. How can you not breathe through your mouth normally?

[B]

Because I've gotten in a lot of fights and stuff where a lot of my structure is broken up.

[A]

Who are you fighting?

[B]

I got in fights in like middle school, high school and defending against for being bullied and stuff.

[A]

Really?

[B]

Yeah. That's really sad because I don't have a filter. I'll say that.

[A]

Well, you do have to learn that. I don't have a filter, but I also know how to not get myself shot.

[B]

Yeah, I've learned usually too now.

[A]

Okay. All right, Navy Federal. What's going on here, my dude?

[B]

Which part is I'm the credit card. Oh, credit card. It's a closed one that I bought. Got in.

[A]

This isn't closed, man. Interest is accruing. Oh, the cards closed.

[B]

Yeah, the cards.

[A]

But it's not sent to collections?

[B]

Yeah, no, it's never been sent to collections. It's been closed. What's the Voluntarily.

[A]

Good thank. What's the credit. How long does this take to pay off, do you think? Minimum payment, which is $8,000 or so right now, 8,041.

[B]

It would probably take like 50 years.

[A]

At my guess, 24. 8,041.63. Minimum monthly payment, 184.69.

[B]

I'm trying my best man.

[A]

Yeah, you just sound like you're just dying. That's my concern is do we need to call a hospital? I don't know how much the mic is picking up. Never had someone die on set and if we do, it's probably going to be me. So like, oh, take that from me.

[B]

For all the rest of this stuff. To who to. Well, beneficiary is my current wife.

[A]

This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space. Online, we have our budgeting program, where I teach you how to create, manage and revolutionize your budget and control your money. And then there's the investing program, where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that We've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15 discount. I've heard from thousands of people now who've taken these classes, and they've literally changed their lives for the better. And finally, you can too, at a more affordable price. Head to calebhammer.com or click the link in the description below. You will not regret this. I thought you said engaged. I thought she said my wife.

[B]

I'm going.

[A]

Did I mishear that? Oh, man.

[B]

Yeah.

[A]

I said, why would you guys get married?

[B]

It was in February 22nd of 2022.

[A]

What? No, that's. No, no, no. That's when you guys said you got together.

[B]

No, I got. We took out together during COVID and stuff. Like 2021.

[A]

Okay, so you guys are actually together for a couple years? Almost three years.

[B]

Yeah. Three years.

[A]

Was it a good marriage?

[B]

It was a first good two years. We still had her spouts and stuff.

[A]

Was she. Would she call it a good marriage?

[B]

I say halfway decent. She said she'll recommend me.

[A]

That's what.

[B]

That's. She said she would recommend me to the next girl.

[A]

So I don't know what the credit limit on here is. I guess it goes. The credit limit's nothing now, but okay, yeah, that's $8,041, man. With 104 of interest occurring on a monthly basis. Well, here 1355 interest accrued last year. A late payment fee.

[B]

Why?

[A]

Why? This one's closed. You're not trying to purchase it.

[B]

I tried to send you one that wasn't. Had the late fee. I was trying to.

[A]

Well, you. I'm glad you didn't because now you're getting called out. What? You want to get off? You're not gonna get off easy like that. This isn't slappy maps or whatever you call the sloppy mop. Wow.

[B]

Is it? I know. I have a problem. I even had it where. I mean, going back to the relationship, I was like. I did two. I asked for a small loan of like 50 bucks to put a down payment on a layaway for a toy gun. Who.

[A]

A toy gun?

[B]

Yeah, it's like Airsoft is my big hobby then.

[A]

Wait, how old are you?

[B]

30.

[A]

Airsoft?

[B]

Yeah.

[A]

It's for 16 year olds.

[B]

Well, yeah, A lot of me and my buddies like to do it. It was very good.

[A]

You have a good friend group.

[B]

Yeah, I did good.

[A]

Oh, did.

[B]

What is did one friend wouldn't get his life together. So we cut him out. Yeah, well, he. He went keeping.

[A]

What does that mean? One person.

[B]

He's a. He's one. He's one of the.

[A]

Shut up, shut up, shut up. I. I need to talk through this. One of my friends and my friend group decided to. To become a better person. So we got them.

[B]

Oh, it's not a better person. I swear to you on that one. He. He's one of those, like, pick me boys. Like, hey. And he. He. He posts like, depressed stuff. Like, hey, I'm like, oh, like here. He like, hey, I'm having a bad day. Or like, I don't want to get hurt again. So I don't want to get this. So I don't want to ask this girl out. I'm like, oh, my God. And you just see this on like Snapchats, TikToks of all his. And you're just like, hey, man. And they constantly ask borrow money from us. And we are like, we have the problem.

[A]

Stop talking, please.

[B]

And he had a. He had a better job than me.

[A]

So what did he do?

[B]

He was a line technician.

[A]

What did he do that made you guys kick him out?

[B]

He kept getting boo hooey and asking for money.

[A]

Okay.

[B]

Yeah. So every time he got with a relationship.

[A]

So that's him trying to get his life back better. Is him asking for money from you guys?

[B]

Yeah. Well, no. We would give him the money. He would spend it on like Airsoft or something really ridiculous and not you recognize.

[A]

It's ridiculous.

[B]

Yeah. Oh, yeah. True. Everything I've done so far has been ridiculous. I think I thought. I'm gonna be honest. I always thought my 20s was just be the around moment and then I'll get together.

[A]

A lot of people it is, but obviously you're not.

[B]

Yeah, I hit 30 before I could fix it.

[A]

And the rest of your friends, you have a good support system, a good friend group.

[B]

Yeah. Like.

[A]

Okay, so when you. When you said I did, you meant you only kicked out that one guy?

[B]

The. The. The. Yeah, the other ones are really nice. The other one just bought his first.

[A]

House, so good for him. What is credit? I've never heard of credit Fresh.

[B]

Credit Fresh is a line of credit. It's instead of like a credit card you ask for draws to thing. Because I was trying to keep my accounts from overdrafting. I thought it'd be good to in trying to get it out.

[A]

You didn't even ask my past question. Why was there a late fee on that pass card?

[B]

I forgot about it. I didn't. I didn't.

[A]

Was.

[B]

This is my first time that I've had a late fee in. In doing this. It's just. I just forgot about overdraft. Yeah.

[A]

You're drawing this loan out so you don't overdraft. Probably make the payment so you're not late. So you're borrowing debt in order to not be negative in your checking account in order to pay your minimum payments. Yeah.

[B]

I recognize I'm a Rob Peter, Save Paul kind of PayPal person. And it's not. It's not working. It just keeps digging and digging and digging and it's like. But I mean, I really just wanted to, like. I just want to, like. I just want to be like, just go out and. And not worry. And then I can just worry about it at home when I'm not doing anything. Like, just keep posting it off because, shoot, like next week I might die.

[A]

Yeah, but on the statistical likelihood that you're not. Why not sacrifice today for the better future? If you die, you won't know that you have sacrificed. You don't. You won't know that you missed fun because you're dead. So who cares? And breathe out of your mouth. If you keep breathing on your nose like that, I'll make you die right now. So. Okay.

[B]

We could do an ngo.

[A]

Can I ask you a question? Your philosophy.

[B]

Yeah.

[A]

Versus your goals here. Is it working?

[B]

No.

[A]

So stop.

[B]

Yeah.

[A]

I will never understand the. This is what I want, but this is what I do because it's. So change it. Change it.

[B]

Yeah. Hedonism isn't for me.

[A]

Huh?

[B]

Hedonism is not for me.

[A]

So it's a thousand. $538 with a $53 minimum payment. What is the interest on here?

[B]

1 38%.

[A]

No.

[B]

Yeah, it's. It's.

[A]

Why are you still taking money from this? Because you just drew 125 and then 100 and then 890 and then seven 50 in one good month. One month.

[B]

Three draws to keep. I really needed some, like, that much.

[A]

How are you that far down?

[B]

Some. Some. So I can't. They don't give me the tools. I have to.

[A]

Huh?

[B]

At work. I have to have. Oh, don't tell me I have.

[A]

Oh, you're not one of those. Who'd you get it?

[B]

I have a minimum equipment list I have to have.

[A]

I know, but what did you do to get it? Did you get any used tools?

[B]

No, I wasn't able to get used tools because there was a lot of problems going at the time.

[A]

Give Me a lot of problems. Was 911 happening? I don't think so.

[B]

No, it was okay. Because with my situation with my mom and everything, I couldn't ask her for extra money to try to.

[A]

How does that.

[B]

Because I needed a toolbox and everything to go down to OKC and OKC already accepted my offer and.

[A]

Okay, but you could like personal loan or even credit card.

[B]

Yeah, but I didn't have the credit score to do that.

[A]

You're drawing on here.

[B]

Yeah. So yeah, I needed like almost five, six thousand dollars in tools.

[A]

Yeah. What would it have been used? Have you looked? Have you even shopped?

[B]

I tried getting used tools. My brother in law actually offered me his uncles try to get. Try to get his deceased uncle's tools. But it just. Just I couldn't get them in time.

[A]

Get them in time, buddy. Buddy.

[B]

Because the. Because I had to get it in. I just got the offer in May. I understand that go in June. So I had to get a toolbox and everything that's current. Oh, for the other okc.

[A]

For the job that you got fired from after the three jobs you got fired from before this job that you're gonna get fired from. Right. Okay, that's.

[B]

I'm not gonna get fired from this one, I swear.

[A]

Well, so far statistically not living up to that. I'll be honest. Okay, great. So you're one of the tool deck guys really Collecting the financial audit and infinity stones?

[B]

Yeah, but I haven't. I mean I've at least paid the truck off. But not the. But not truck. The. So.

[A]

Oh, so there's two truck. The sexy truck where the dude comes out with his nips and it's like. And you like. And buying all the tools at a million percent interest.

[B]

But once I actually started getting the money coming in and whatever tools I needed, I went to like Northern Tool and Harbor Freight and all them for the rest of the stuff. But my minimum stuff I had to feel like I had to finance.

[A]

There's a big well bad debt that one. Ally. Let's see. Oh no. Yeah. Oh no. 2019 Hyundai Veloster One. I've never even heard of that car. Two, you're getting fired from jobs left and right during this time. So what the. That's actually how I got 3yo. $31,919.40 for. How much do you think it's worth?

[B]

I think last check I was a 13,000, 12,000.

[A]

12,500 on a 31,919 loan. What is the interest rate on this loan?

[B]

16.99.

[A]

Why have you done this to yourself? I will not understand.

[B]

Because the car that I had no payment on, I had fixed the alternator, I had fixed ball joints and everything out of it and I finally, it started finally giving out electrical issues with the starters and. And not cooperating.

[A]

Cool, cool, cool. So what did you purchase this car for?

[B]

Out of. Want more so than.

[A]

No, no, no, no, no, no. What price?

[B]

36,000.

[A]

Cool. So there was nothing between the $0 car and the 36,000 hour car? There was nothing. There was no cars available. There was certainly nothing we could do. There was nothing.

[B]

No matter what I was going to come underneath for any car that I was going to go.

[A]

I would rather you be underneath on a 10,000 hour car. 10,000 hour loan than a 30,000 hour loan. Are you f Cking what are you talking about? You're fixing. We're trusting you to fix planes and you don't realize that that's a big difference. Come on.

[B]

Yeah.

[A]

No wonder you think you live in a food desert with a Walmart next door. What are you talking about?

[B]

It's just. It says more like it's a car I've always wanted like and I always wanted.

[A]

So we do it when we're a hundred thousand dollars in debt.

[B]

It was a hundred thousand mortgage. It was a hundred thousand back then. I mean that was. I only had one card back then and stuff and that was.

[A]

Did you meet your.

[B]

Wifeish before I got that car? No, I got.

[A]

You got this alone.

[B]

We're actually co borrowers on that car and now we're separating. So that's.

[A]

What did you put down? Nothing with the amount of interest that accrued on this car, man. Because of how the S P500 has done over these past few years. It just literally had its best year in the millennium this last year, man. If I opened up my brokerage that I personally use mumu and I bought into the silver S P500 around then instead of this $30,000, $36,000 that I'm paying interest to. I. That you would have just made so much. This is just. This is so against you. This is not productive. And now you're dramatically underwater. Everything's. Do you have retirement?

[B]

I have my 401k.

[A]

How much?

[B]

$600 and, and $100 in investments. But I mean what's the dream of like having the car you've always wanted.

[A]

Since you were a kid or down with it?

[B]

It's just like, I mean you have a. I'm down with the Test of why you did it, which is one of the more premium.

[A]

I will answer your question because you asked it. Would you like to hear the answer?

[B]

Yes, sir.

[A]

Because I could afford it. You couldn't afford this.

[B]

Yeah, I. I was. We get the car we can afford is before my grandpa asking him for money to get this car.

[A]

Am I in a privileged position? Absolutely. Absolutely. So I was able to get the car that I wanted to and it was really cool. And I'm very blessed for that. And I'm sorry that you could not afford the car that you wanted. But math is. Math is math. And we live in the real world and you're not coddled. And we don't get to the end of life in a better way. Throughout life, everyone just goes around you and says, oh, I wish you could have got to call you that. We wish you would get. That's not how our society and culture works. No one helps you if they. If they're gonna baby you. No one helps you if they're just gonna it put coddle. So guess what, dude. You couldn't afford this even if it was your dream car. So you don't get it. I'm sorry. That's the way the world works. I'm sorry. Because now you yourself. You have yourself. I will.

[B]

I will myself. I'll take it right out of me. And huh. I'm. I'll be. I will un myself this. You see? You will just wait your wheel. I will. Sorry, I have a slight twang. I will. I will. When I get nervous, I start doing it.

[A]

Okay, good. Try to say what you're trying to say.

[B]

I will un myself.

[A]

Okay, go ahead. How? Because the debt's only been going up and you missed payment on one of the cars looked at and you're above the credit limit on the other one. And you're dramatically underwater by two thirds on this car.

[B]

Because I have a guaranteed contract to go 150,000 in five years.

[A]

150. But what if they fire you? What's the buyout? Is there a buyout of the contract?

[B]

No. The only severance I get is.

[A]

Is so there is no real guarantee. You're just saying if you stay there. So shut the up, buddy. As someone who's been fired from the last four jobs, statistically, you are not lining up correctly for this.

[B]

I haven't met a no.

[A]

Okay, Take your time.

[B]

I haven't been fired from the last four jobs. I've only been fired from that job. I have picked up another aviation job in between those for Prop aviation.

[A]

I'm not much of a car gun. I'll be honest. I more go for the technology. That's why I went for the Tesla. I know Tesla.

[B]

Everyone loves it.

[A]

When I mentioned insane, it's like, like I just go over the technology. I really don't get it. Why is this a dream car? This doesn't seem like anything to me.

[B]

Well, after put a picture up of.

[A]

A 2019 Hyundai Veloster spec in. Huh.

[B]

Inspect. It's a special edition. It's for. It's for track use mostly. Right.

[A]

Which I'm sure you're doing all the time. What's it 0 to 60?

[B]

It was like 3 or 4 seconds. Okay. With a top out of 300.

[A]

Fast car. Okay.

[B]

Yeah, it's just prior. It's just.

[A]

Okay.

[B]

It's more the specs on like how it passes.

[A]

At 16 interest. What's the term length on this? Because you've barely made progress. Have you missed payments?

[B]

No.

[A]

Have you put payments to the back of it? Like you've made no progress in that? Wait, when did you buy this?

[B]

2022? 2023.

[A]

You've made no progress on those? 2020?

[B]

Yeah, 2023. That was it. It was December, so it would only be like a year. And now.

[A]

Oh my gosh.

[B]

Okay.

[A]

Capital One, Quicksilver. What's up with this? Are we gonna learn from this? Because every single one of these so.

[B]

Far, it started out as a 750 card. And I was like I can't do this. So I cut it down in half so I can pay it off every time.

[A]

Huh. Okay, so what's going on is I'm.

[B]

Still not paying it off. I'm. I'm. Because I know you paid actually a.

[A]

Big payment towards it, but then you spent a thousand 431 easy. $31.

[B]

Yeah.

[A]

What? Wait, how can you spend $1,431 with a credit limit of $350?

[B]

Cuz I. Cuz I cut it down. Oh.

[A]

Well, there is a balance of 340 right now. So basically maxed out and $0.03 with the minimum payment of $25. What the happening here? Oh, it's all. There's not a single necessity on here. It's all just highlighted lines.

[B]

Yeah, yeah, I'm. Yeah, but it's what I'm self deprecating. I. I put myself down when I'm.

[A]

Like what you say? You just made a sound.

[B]

I'm a. I'm a dumbass is what I said. And I was like, you are a dumb yeah.

[A]

In your actions and other areas of life, maybe not. But this is the dumbassery of a statement.

[B]

Yeah.

[A]

This is a credit card that is maxed out. That is accruing interest. What the are you doing? You're going Mac toe.

[B]

Cool.

[A]

Max Co Tools, $123 and Wanaburger. Going in a gas station getting some BS. What's Imperial?

[B]

It's the. Basically owned by the. The. What are those things? Vending machines. I.

[A]

They're owned by the vending.

[B]

No, I'm basically owned by the vending chains. I like to get like my breakfast and stuff out of them.

[A]

Your breakfast from a vending machine? What a way to start the day.

[B]

Yeah, it's.

[A]

What do you get from a vending machine for breakfast?

[B]

A pop tart maybe. Or sometimes, you know, they have those.

[A]

At Walmart where you work, right next to cheaper. You know they also have cereal. Walmart where you work, where it's close to work. That is cheaper.

[B]

It's just convenience of me being. Like I said, it would be more.

[A]

Convenient to grab a pop Tart, eat it on your car ride.

[B]

Yeah.

[A]

I don't know.

[B]

30 plus. Yeah.

[A]

So you pass many grocery stores on the way?

[B]

Yeah, I do, but it's just. Oh, don't do me like that, buddy.

[A]

Come on. Of course I'm gonna do that. You said you lived in a food desert. That's a certified work, but it's also not correct.

[B]

It's by a food desert, but it's.

[A]

Also not buy a food desert. I don't care if it's by if it's in. It's not. I looked at the map.

[B]

Yeah.

[A]

Okay, well, vending machine. Vending machine vending machine. Working at just the. The eatery. Oh, McDonald's going in, getting some BS. Vending machine, vending machine. McDonald's vending machine. Vending machine. McDonald's vending machine reezers.

[B]

The research is our local. Is our food. Is our food supermarket. I go there to get stuff to make like jambalaya and stuff like that for the family and everything. Food ice, sir. Got cooked. Yeah, I cooked for the family sometimes.

[A]

Food desert water burger. Returned mobile ach payments. A returned ach payments returned. I didn't have enough money. What had happened?

[B]

Because I don't. It's just McDonald's sake.

[A]

Tackle an outdoor. Yeah. For your little fish.

[B]

Yeah.

[A]

Tackling outdoor. Stop, buddy. You can't afford that hobby, obviously. Obviously. Obviously. Just swim. Okay. Catch them with your mouth. One Korean barbecue and hot. I have one Korean. Is that one of your place on your special map. Yeah, a little rub map.

[B]

No, that's actually a Korean barbecue place that me and my wife go for special occasions.

[A]

Special.

[B]

Yeah, well, not. Well, maybe special.

[A]

Go inside the gas station, got some B.S. go inside the gas station, get some B.S. go inside, get the gas station, get some Bs it's just like vending machine, stoke, tools, brewing, got some stuff and some B.S. stopped at a gas station, got some B.S. stopped at a gas station, got some BS Slim's Barbecue stopped at a gas station, Got some B.S. in a Mexican restaurant for $70.

[B]

I mean, if you don't.

[A]

Wait, why the are you going with your wife? She broke up with you?

[B]

Well, because we're still on good standing. We're really. We're still best friends and we, we hang out.

[A]

That's why she lives with your mom with cockroaches. Why do you live there making so much money? I'm so confused. I don't get this whole situation. It's fine. It's paper buddy. He broke the chair.

[B]

It's a habit.

[A]

It's a habit to break the chair?

[B]

No, it's a habit like, oh, something dropped. Because if you're working like the planes.

[A]

Of the air that you work on.

[B]

Yeah. If you drop something, you want to make sure it doesn't get left behind.

[A]

Let's prevent it from dropping next time. So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with CourseCareers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high demand field like tech, sales, IT and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Coursecareers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up to date, self paced courses, one on one or group coaches from people that work in the industry. And most importantly, they help you actually get hired. Just look at Graduates like Nemesso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and course careers guided him every step of the way. And what truly sets course careers apart is that it's not just about learning skills. It's about landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through through the entire process, from learning the skills to interviewing resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give coursecareers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now, and coursecareers is here to help you shape it.

[B]

Yeah, but it's just. It's. We're still understanding. And I also just. It was at the time like I just didn't want to leave hard. Why do you still live there? Because after I lost my job in okc, every other job was to come back home because Tulsa is a much bigger cool.

[A]

Why do you live at home, though?

[B]

Because I want to get a down payment ready for. To buy my.

[A]

Are you really gonna get a house? I'm a little nervous for you to have the responsibility of owning a house.

[B]

House I'm. I'm gonna buy my grandpa, like rent. You land with people? Yeah. It's in Bigsby. It's in.

[A]

How far away from that? From the airport?

[B]

30 minutes.

[A]

You're really not gonna cook out there?

[B]

Was the closest grocery store to 15 minutes to Glenpool. Actually, Bigsby is sprawling out, so I think if I buy that land, it'll actually.

[A]

That'd be great. What do you need? Who owns it?

[B]

My grandma. It's fully bought out.

[A]

And she wants to sell it to you?

[B]

She's says she's gonna sell it this year.

[A]

Why does she do owner financing to you?

[B]

And just like she wants me to, she wants whoever is gonna get it is to get a loan.

[A]

So she's got a loan between family members. It's a race.

[B]

None of my family members make any money. Well, I grew up sister does. Well, my, my. They're okay. They're okay.

[A]

That's fine.

[B]

They're half siblings. They're not from my dad's side of the family. It's. It's very complicated in that weird world.

[A]

Not really.

[B]

It's just.

[A]

They're your half siblings.

[B]

Yeah, but they're not in. Like. They get upset if I say they're half siblings, so I just call them my brother and sister.

[A]

Because they probably just view you as your brother.

[B]

Nobody else in my.

[A]

So what is this? She wants someone to take out a loan. So you're just trying to get enough money down to qualify for a loan?

[B]

Yeah. Well, I also get the money.

[A]

How much money?

[B]

Technically, I won't need any money for.

[A]

How much are you wanting for the house, you fuck?

[B]

I think she wants about 150, 200,000.

[A]

Okay, so what are you trying to save up for a down payment? Even though you get the VA loan.

[B]

Because it puts skin in the game, I'm sad.

[A]

How much?

[B]

Oh, I want about 5% in before.

[A]

She wants to sell it for. Exactly. You gave her range. She doesn't have a number.

[B]

She doesn't have a number yet.

[A]

So what are you going to do then? 150, is that what you said?

[B]

Yeah.

[A]

So 7,500 we could get there.

[B]

Shopping is hard, right? But I found a better way. Stitch Fix online Personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want, no subscription required.

[A]

And he sends just for me, pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today@stitch fix.com Spotify. That's stitchfix.com Spotify there in two seconds. But you shouldn't get a house without a fully funded emergency fund. You shouldn't get a house without having all this bad debt paid off. You have over. If you get a mortgage for like $150,000, that's almost equal to all your.

[B]

The money guy says the emergency fund should come after debt. That's what the. That says. Money of order of operations says that.

[A]

Yes, I said don't get a house until you have an emergency fund or until you're out of debt.

[B]

I misheard. I'm.

[A]

Yeah, it's okay. Okay, Max. Go tools.

[B]

I don't even know what technically the interest is on that.

[A]

Great.

[B]

It's like 60 or it's like five years worth of weeks because they do it by the week, and then they don't tell me the interest. They just tell me the payment looks.

[A]

Like 32% interest rate.

[B]

Wow. I was close to my calculation. So when I did it at home.

[A]

Bounce. Well, maybe not, though. I mean, the balance has gone up, so I was calculating off that.

[B]

Why?

[A]

Why? Why has the balance gone up.

[B]

That should just be a quarterly statement. They only send it out every.

[A]

Why is it going up at the quarter though?

[B]

I've made every payment. I don't know why if it's going.

[A]

Oh the beginning of this court. Wait, no no no no. But the beginning of this court.

[B]

The very bottom is what it's supposed to 10 talk about where so sorry you're a mess.

[A]

What okay. What do you. Oh yeah. No. Your balance went up bouncing from 2 to 20,554 to 22,000.

[B]

I did have to get some tools but.

[A]

Did you.

[B]

But I didn't think I financed them through them. I did it through the what a racket.

[A]

They got you guys locked down. Weekly payment. A weekly payment of 86.25.

[B]

Yes.

[A]

Yo. $345 a month. These are stacking now man. So stacking. I was just stupid. Stop it. You almost got entire free tools from your uncles dead someone. This we don't need. This is stupid. Get. Did you get the free tools?

[B]

No, because I already had to get the tools anyways from get the free.

[A]

Get the free tools and sell the other tools and pay down the debt.

[B]

Yeah I I. Yeah. I would have lost the contract if I did get the tools.

[A]

I'm saying now you. Okay get it now. Sell your tools. You'll take a loss but it goes towards the debt. Math Merrick bank for what?

[B]

A Another credit card for what? I don't.

[A]

Because why is it a -thousand 964.48.

[B]

Because it's not at its max limit. No no.

[A]

Why did he get up to that? Buddy.

[B]

It's just Buddy instance is like what.

[A]

Did you spend on it? Oh my, oh my oh my.

[B]

A lot of it. We. I got that turned temporarily off for six months. So it was mostly fishing stuff. That was my. Yeah.

[A]

Stop. I mean 216 oh fees buddy. 96 of fees this year.

[B]

Yeah. They automatically yeah of they have an automatic like hundred dollar a year spread out over a month and then play fees and stuff. I know it's that baked in stuff but I felt like I that was bought so I could start re try to rebuild credit and that was my very first card to re Buy back your credit.

[A]

Man. I don't care. You're destroying your life. 41 minimum payment.

[B]

And and well I've. I've looked at the fizz card and everything and stuff. It's just. I just thought that it's just the 200 intro membership was like oh well that's new.

[A]

They kind of just turned that on.

[B]

But we're.

[A]

We're working with them on our link to make sure it's like much more much much.

[B]

So it incentivizing my mind is like oh, I can just fix this card.

[A]

Well they do that instead of like interesting stuff. So it's different or you know, extra.

[B]

But I mean anyway they would still work out over end to be better. But it's just like the intro rate is just like oh, I can fix myself. I can fix myself.

[A]

Obviously can't. How's that working? Okay, so it'll get there. What is the sheet me. What is the sheet money owed to mom? 13,000 at 6%.

[B]

Yeah.

[A]

She's charging an interest.

[B]

Simple interest. So it's not compounded at least. Yeah. So take the. Take whatever I initially and then just add six.

[A]

Oh it was. Just had it.

[B]

And then.

[A]

Is that the 13,000?

[B]

That's the final.

[A]

Is 13,000 the final amount?

[B]

Yes.

[A]

Why do you have this to your mom?

[B]

It's. Well, because I needed money to move down to. Okay. See that's why you've never had money.

[A]

For anything yet you just do everything. This doesn't make any sense. But you have always.

[B]

Because I've always been able to just ask my mom or ask my.

[A]

That's not money. That is debt.

[B]

And but it's just.

[A]

But.

[B]

But made a good case is like I'm gonna be making this. I can pay you this amount.

[A]

No, I'm sure you're able to justify it like crazy. But guess what? It still has not worked.

[B]

That's how I got.

[A]

I don't care. I don't care. What's the minimum monthly payment on this?

[B]

Is there 300 miles to her?

[A]

Yeah, she lives with the roaches. Is she in like section eight or like what?

[B]

Yeah, her house is bought and paid for.

[A]

It's a house that she owns.

[B]

Yes.

[A]

For sake. Why is she not getting pest control?

[B]

I do the pest control. It's.

[A]

You're failing at that like everything.

[B]

I've knocked it down several times. It's just we have neighbors that are very kind of grody.

[A]

And you're gonna blame them.

[B]

Yes, because we also live in a very wet area which is what the natural environment for roaches is. And because. No, for the Sepulpa area. We are in green country. We get the most rain out of all of Oklahoma.

[A]

But out of Oklahoma. Oklahoma just.

[B]

Well, we're in the old climate range.

[A]

Okay, good show. $13,000 owed to this breathe out of your mouth. 300amonth. Money owed To a former employer. What the man. What is that?

[B]

My contract stipulated that for sign on, I have to do three years for the OKC job.

[A]

What happens about this job if you leave? Same thing.

[B]

No, I don't. I don't owe them anything.

[A]

Sorry. Go ahead.

[B]

Continue. Is this. But we've already talked to the. I've already talked to them. It's 375amonth.

[A]

Your monthly payment, but no interest. Sane man.

[B]

Yeah.

[A]

This is crazy. This. That is stacking up. This is crazy. I've never had a conversation like this is crazy. That's my money owed to unemployment fraud. Oh, you're collecting new stones that I didn't know existed. Order point of view. But I've.

[B]

I've tried talking to them several times, and they've never reached out to me.

[A]

What do you mean? What does that even mean?

[B]

That I got the unemployment when I was let go and Covid. And I was. I thought instead there was still more work to do. I was just let go. I was fired. So I misunderstood what the phrase of the sentence meant, and so I collected unemployment for the stimulus or not stimulus. What is that? The extra taxes or whatever during that time to increase unemployment money to help me survive. To afford a life.

[A]

What do you owe monthly to them? You don't know. You just know that you owe it.

[B]

Yeah, I've tried talking to them several times. They never called back. They said they were gonna garnish me, but it's been like four or five months.

[A]

Hope they kind of do. Oh, four or five months.

[B]

That's.

[A]

That's not long enough for me to just, like, void this. Four or five months is nothing.

[B]

Well, it's been five years since I took it out.

[A]

The federal government was going through a big change. I know. Before five months. Since then, like. Like, just give it time. We'll see, man. Oh, medical debt. 2586. Breathe out of your mouth. Yeah, I'm gonna make you have more medical debt soon.

[B]

That's supposed to be like workman's comp was supposed to pay for that, but then they never did it. And so now I'm on the hook. It feels like for that I've tried reaching out to my foreign boss, but they. That's all they give me is the insurance code, and they won't.

[A]

You talk to the insurance?

[B]

No, I haven't tried them yet because I don't know how that. Like, I didn't know that was an option. Is to talk to the.

[A]

Well, they gave you a code.

[B]

Yeah, because I gave it to the emergency room when I got admitted.

[A]

The code, the.

[B]

The. The insurance providers, welfare, whatever number from. From my employer when I got hurt.

[A]

What happened? How'd you get hurt?

[B]

I. So I was working on a car and I was. He had this car at work. Not this job. I was. While I was in school, I was a. A automotive slash tire changer technician.

[A]

Okay.

[B]

And I was, was. I was. Went to lift a tire and it was really heavy and I threw my back out. It was so painful that I had to go to the emergency room and I was. I couldn't move for a week and a half. So I was on a lot of pain meds and stuff.

[A]

Okay. What am I seeing here? Okay.

[B]

These are still Thanksgiving though. Just being on my back one pigments.

[A]

Are you talking to yourself over there? What is happening?

[B]

Well, yeah, sorry, I'm trying to talk. Reminiscing on that one.

[A]

I'm trying to talk about student loans here my guy. Because I see them existing.

[B]

They were. I actually didn't have to do those student loans.

[A]

What do you mean you don't have to do them? They're right in front of me.

[B]

Well, because my GI bill paid for all the school. I just.

[A]

But you have 22,870 3,000.

[B]

It was to take out and use for. To lower like my, my principal on the, The Navy federal card. Because it was. Because if you. The whole credit limit is 22 student.

[A]

Loans to pay down.

[B]

Yeah, because instead of like 18.

[A]

So lucky they did not know that at the time.

[B]

Well, well, it was to keep me in school. Just helped me so I could fight.

[A]

That 22, $873 to paid on credit card balance. So you build yourself out again without.

[B]

Well, it was. No, it's just, just. It was just to absorb that one. I didn't. I did. I paid off another credit card, I closed it and then a few months later I bought.

[A]

I'm sorry. I don't think you're getting out of debt.

[B]

I'm.

[A]

I, I mean I, I'm leaving a real. I don't think you're getting out of debt. You've been down the cycle a thousand times and for some reason you refuse to change your behavior. And we'll connect you with all the classes. The deck class, the budgeting app, the therapy. We'll connect you with all of it debt. But I don't think you're getting out of debt. Use the tools.

[B]

Yeah.

[A]

And use the people. So you have to go to therapy. You especially have to go to therapy.

[B]

But I, I'm on a medicine now that makes it a whole lot easier.

[A]

But you need to talk to someone.

[B]

Yeah, makes me.

[A]

It's not just a medicine. Yeah, you need to go to therapy. You need to go through the budgeting class. We just recorded a follow up today and the person went through the budgeting class and I got them through their debt. They paid off all their active credit card debt. That. It's incredible. Do that too. Over 10,000 people have taken it. Your student loans. Is there a minimum payment?

[B]

No forbearance right now. Already talked to them.

[A]

Is it because you are on the save plan adjusted?

[B]

Well because during the time it was active until I got out of school in about March and then I finally got a job. What.

[A]

When does it start?

[B]

It's supposed to either start of March or. But I mean with this current administration, I don't know. It could just immediately start back up. That's the what I'm worried about.

[A]

Well, I don't think so. The deferment from graduation. I don't think so.

[B]

And you've done that. It was supposed to start.

[A]

You requested an additional deferment?

[B]

Yeah. Okay.

[A]

Well that. That's within the system. Well I think more like the. The different forgivenesses and like the safe plan. That stuff will probably get destroyed but. Okay, so you're likely looking at a minimum monthly payment of I'm guessing about 250. 300. When I say 275.

[B]

I used to say now the income driven one.

[A]

So you are on income driven?

[B]

Well no, I asked for to be put on and they said they're reviewing it and it's been a while.

[A]

I'm putting 275 on there. We'll see. What was your last taxes. What was your claimed income in your last house?

[B]

25 000. Okay.

[A]

You'll probably get put in. Well unless. Unless it happens after this next tax year.

[B]

Yeah.

[A]

Because. Okay. What did you make last year?

[B]

30000 on this last year because I only.

[A]

I'll cross that out for now. I'll cross it out for now because we don't we. Who knows.

[B]

Yeah. I just got a. I just got this job so. I know.

[A]

Okie dokes. Student loans. More student. Yep. All them added up. Good, good, good good good. Set all your debts, they're gone through all your debts, they're horrendous. And you're thinking about getting a house you.

[B]

Yeah, I think that's about it. Wait, do you have American Airlines credit union?

[A]

No, I don't.

[B]

I. I have it on I have a 2500 initial loan for. And then. But it's $50.

[A]

Is it a personal loan?

[B]

Yes. Guaranteed by. They just take it out of my paycheck.

[A]

So what is it? What is the. It takes it out of your paycheck.

[B]

Yes.

[A]

What's the balance?

[B]

50, 2500. So. And it was. It was getting to tougher moving expenses and stuff.

[A]

Okay, okay, okay, okay. Pretend like you fell out of the fishing boat. Plug your damn nose. $0 in this balance. A thousand dollars spent from the cash app loan rep. You're taking out cash app loans?

[B]

Yes.

[A]

What is your balance owed on there? I. E. Another loan?

[B]

75.

[A]

Your balance is 75?

[B]

Yes.

[A]

Why do you have it?

[B]

Because I'll be honest. It's like a. It's a cycle. I can't really. Because I pay.

[A]

$80,000 is a 75 cycle.

[B]

Literally.

[A]

You went out to eat 700 and you spent miscellaneous bullets 900. Shut the up, psycho. This is your behavior. Yeah. This is you being a literal child. I just act like a child is not gonna have your mom recognize you as still being her little boy. Okay.

[B]

Yeah.

[A]

That's not how this is gonna work.

[B]

I'm really trying to make sure I'm not the have a record of the barrel of all the hablas espanol spritz to droids.

[A]

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[B]

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[A]

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[B]

Kids. I mean.

[A]

Well, you're competing against someone who went to prison, so I don't know if you'll get there, but.

[B]

Yeah, but he has two businesses now that are flourishing so. Well.

[A]

And you committed unemployment fraud. Okay. Cash app Loan repayment. Yeah, loan repayment. Loan repayment. This is crazy. Drawdowns, blah, blah, blah. That's ridiculous. Dude. Let's check any count. There's nothing in here. $156. No wonder you're getting. Your payments are being declined. Flex Finance. What's that? Is that another one?

[B]

Flex Finance is the one to split your.

[A]

How often are you doing that?

[B]

I'm not doing it anymore. But during the Time on my apartment. It was just every month. It was. And I paid it.

[A]

Flex.

[B]

It was just. It was 15.

[A]

Overdraft. Overdraft and kings. So I. I like.

[B]

Yeah.

[A]

So, papa salsa, ATM withdraw, Popeyes, PayPal in a restaurant. This is really hard to read. This statement is not a good statement. Went inside, got some PS from a gas station. More Zip. Pay later. Zip. Pay later. A tool sales. Tool sales. Stop, please.

[B]

Well, that's. That's to pay back the truck. That's not just a.

[A]

How much you owe to the truck?

[B]

The truck was like five.

[A]

How much do you owe to the truck?

[B]

The 500 was. But currently, right now, it's. It's. It's 175. That's a debt.

[A]

You hit. Add it to the debt.

[B]

That's. That's paid off in two weeks.

[A]

It's still a debt. And wait, what is this? Why am I seeing a personal loan here? What is this?

[B]

Oh, that. That is the. That. That is. That's American airlines.

[A]

It's a 17.75 interest rate. It is. It's here.

[B]

Yes.

[A]

Let's see if I can even budget this. This is going to be an interesting little equation. Breathe out of your mouth. $2,210.26. It's insane. What's your. You don't pay rent. Do you pay utilities or anything?

[B]

I pay rent. I pay $100 towards my mom for rent, 150 for insurance, and then 50 for my phone.

[A]

What insurance? What insurance?

[B]

Car insurance.

[A]

Okay. 150 for car insurance?

[B]

Yes.

[A]

And then what was your phone bill?

[B]

50.

[A]

Okay. Do helium for 10.

[B]

15. I don't own my phone.

[A]

When you own your phone, do healing for 15. Okay, so we'll put 50 for now, right? That you said.

[B]

Yes.

[A]

Oh, my gosh. People. Okay. Utilities. Do you do anything for that, or is it just the rent?

[B]

Just the rent.

[A]

Okay. Groceries. 300. You're doing it for yourself. Use our cookbook and our budgeting app, the Simpler Budget. Budgeting app. Use the cookbook. Get [e-mail] or calebhammer.com app, by the way. 300. Food payment. TP fund. Anything else you need to survive all your happy endings. Hundred dollars or your machine. Glocky glocks. Okay. Gas. Vroom, vroom. Drive. Drive.

[B]

It would be about $60 a month.

[A]

You know, you're gonna have no incentive to try to go out there and date if you have a machine that gets you off every day.

[B]

I actually already have a date lined up for. For in a couple weeks. How'd you get bumble or not bumble? No, hinge. I did hing. Well, that's.

[A]

Yeah. I mean it's online, so that's fine, but. Okay. Cool, cool, cool, cool, cool. So 100 for rent again? That's what it is.

[B]

Yeah.

[A]

Okay. Medical health care that comes out of your pay. Do you have any co pays or anything like that?

[B]

$25 per. Per visit. So with a deductible of $1600.

[A]

How many visits? How.

[B]

I only do it. I only do it once a. Every couple months for.

[A]

I'll just put it in your budget. 25 bucks physical every couple months.

[B]

It's for. Is right now I'm doing a little bit more because I'm trying to get on tight ties in with zipbound. It's the kind of. Oh, it's a. It's a different type of formulation.

[A]

Yeah, yeah, yeah. Okay. Any pets?

[B]

Yes. Oh, I have three Frenchies.

[A]

No, they're one expensive and two me. They're living at that house. Oh, poor guys.

[B]

Yeah, they are. They do live at the house, but they're treated better than I treat myself.

[A]

But it's just. It's insane because now we need to put in 16 hours of PET insurance because you can't afford. If something big happens.

[B]

Yeah.

[A]

How much dog food on a monthly basis? Price, Price, price.

[B]

Nothing right now. I take it from the. The bulk buy from that my mom gets for her dog.

[A]

Okay. Get pet insurance for them. Anything else that needs to be in your budget that I have not put in?

[B]

No, I think I can see.

[A]

What a joke. $3,146.26. You bring in 5,000 hours a month.

[B]

You.

[A]

Stupid, dude.

[B]

Stupid.

[A]

You don't even have to take care of the. The lady that never contributed to anything and has no ambition or anything. 1850. No, I do 1800. What?

[B]

I.1 of the reasons I get a lot of food out is because I just bring it home for us. Yeah, because of the roaches and everything.

[A]

What up, girl? Yeah, we're broken up.

[B]

Ever since I started watching your show, I started doing that.

[A]

I'm giving you 250amonth for fun. Because you have that you have money left over. So you have now a thousand six hundred three dollars and 74 cents after your fun of 250amonth. Come on, man. Some. This is so stupid. Now let's. Minus your student loans from your debt. Let's just get how long this takes off. I'm gonna take off your medical debt and I'm gonna take off your student loans and Then we'll deal with those when that happens.

[B]

Excuse me. Dude.

[A]

You have no control over your body. $76,643 of bad debt. Outside of the medical debt. Outside of the student loans. Yes. $1,603 to go towards it on a monthly basis to take you 47 months. 47.8 months or four years. You know. Sucks. Four years is actually not the worst. Especially with me giving you a fun budget. Four years is not the worst. For the amount of mess you got yourself in. I'd actually be happy with that. People have to go through longer processes with less debt. So four years. That's not bad. And your pay will hopefully continue to go up. Maybe you can pick up hours somewhere. Maybe you can go work a second job.

[B]

But overtime starts in there.

[A]

You go do as much as you can. Bring it down to three years and get a fully funded emergency fund. Then save up a little bit of money for. Is your grandma gonna die?

[B]

She don't think so.

[A]

Okay. Then let's focus on this fully funded emergency fund. Then a 5% down payment on the home. Then good to go. It's called that entire process. Five to six years. That is not bad. You will be beating the median age for the first time homebuyers. And you'll be living a good life. Okay. No more around dude. There's no reason why you should be in this. There's no reason why you should be getting fired. There's no reason why you should be a child. There's no reason why any of this stuff. What a joke. You're spending in a budget score. You overspend. 0 out of 10. Your debt. You have unemployment fraud. 0 out of 10. Emergency fund, nothing in savings. 0 out of 10. Retirement. Barely anything in 401k but at least there's something there. 1 out of 10. You blamed some of your things of throwing up a massive percentage to your 401k at the beginning. There's 400 in there. What the are you talking about? Shut up. You're trying to make excuses the whole time. 0 out of 10. Because of that excuse in the dumb. I'm just pissed. I'm gonna actually round you down which is never happening. 0 out of 10 guys come to the post show link in the description below our YouTube membership join elite for the best value of a dollar. You can actually call in and talk to us in our call in show. Join us for the streams and the exclusive audit. So much stuff. Join us. I have a feeling with this dude it's gonna be an interesting post show. I feel like we're about to hear from the best tugs that you can get on a map. In Tucson.

[B]

I got so drunk I kissed a grandma and then I ran off and threw up. I saw Lindsay in the post show. I wanted to come here and be like, hey. Well, not in that way. I was just like, it's just she looks like the woman I would be really interested in.

[A]

So it is like that.

[B]

But no, but some ways that would be a lot closer to me.

[A]

Lindsay would destroy you.

[B]

I've been to those types of clubs where they destroy me. I like really strong like women that will like basically kill you.

[A]

I should not have said what I said because I did not know that. To watch the Financial Audit post show, click the join button below.