Some young consumers can be reckless with their money, but if that behavior spills over into credit it could have devastating long-term consequences.

That’s the concern with Myles, a 23-year-old from Texas who appeared on Caleb Hammer’s YouTube show “Financial Audit.” His finances are apparently in such a mess that Hammer worries he might be heading for bankruptcy.

“You’re going to die under a bridge broke,” he told his guest.

Like a number of young Americans, bad planning, low financial literacy and misplaced priorities are jeopardizing this young man’s financial future.

Myles seems to be making bad decisions on nearly every aspect of his personal finances: income, debt, spending, saving and paying taxes.

His income has dropped considerably after he gave up a lucrative job in Pennsylvania. Myles claims his monthly income working in the home construction industry was between $10,000 to $12,000 a month. His friend convinced him to move to Austin to work on a new project that never materialized. Meanwhile, he depleted his $30,000 emergency savings fund.

Now, Myles earns roughly $3,500 a month as a field auditor for financial institutions.

Unfortunately, he picked up some bad spending habits while he was a high-earner. He admits he didn’t have a robust strategy for tackling taxes because he always had excess capital and spent up to $9,000 a month on traveling and partying.

Myles has struggled to shake some of these habits despite a dip in income. Hammer estimates that approximately 30% to 35% of his monthly budget could be better spent. Meanwhile, he owes $5,245 on a credit card at an interest rate of 30%.

To make matters worse, he refuses to work more than 15 hours a week and spends six hours a day training in Jiu Jitsu, which he describes as, “Almost an addiction at this point.”

Hammer was shocked by these inexplicable financial decisions.

“What are you?! You’re not a baby! What are you doing?!” he exclaimed. “You’re building up debt. It’s not working!”

Thankfully, by the end of the episode, Myles appeared amenable to working more hours.

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