$388,000 Of Debt To Storm The Capitol | Financial Audit

25:31Okay. We're going to monitor it. And when it does, what happens? You die. Oh, that's not good. Right, yeah. So, refuse to do anything. Do you decrease stress? Do you take like a medication or something? Like, I don't know. Yeah, so I did all the things. I lost the weight. I went down to 135. I was in my goal weight. Personal choices, okay. So, this is all before this financial meltdown happens. Financial meltdown. Right, in YOLO 2025. Ah, yep, the year of January 6th. Yeah, well, that's the basis of this. No, it's not. Because I was happy, happy, happy that happened. You were happy until January 6th happened, and then you were angry?

26:07Yeah. Which led you to be in stress and get an aneurysm? It's related. Okay, so Trump was president. 2016, he won. Trump lost. January 6th happened. That upset you. You got stressed and fat. You had an aneurysm. That's the sequence of events? Did I finally get it 28 minutes in? Because that kind of answers it, I guess, actually. So is that what happened? No, I'm stressed, stressed, stressed. Just with what's going on in the world. Just knowing that it's all fake. Okay, then the world is not for you. It's time to disconnect. Everything's fake and gay. Then disconnect. Disconnect. Yeah. Disconnect.

26:49It's not for everyone. If you can't handle the news, don't listen to it. And your life won't change. Like the world won't change around you, but your life will be improved. Some people, I like to be informed as much as I can, but it doesn't stress me out. So I'm okay. But if it's stressing you out to the point of death, disconnect, nothing will change. That was a different kind of stress. What happens if you're not as invested? The world doesn't get better or worse. So just stop, you're dying. Well, this was my mindset, okay? I'm just laying the foundation of the mindset of where I was when YOLO 2025 had to begin.

27:32Okay, so YOLO 2025, right. Okay, third time I've heard it. That must mean it means something. Well, it's just when this meltdown happened. It kind of started in 2024. So here I am, like, working, working. So YOLO 2025 started in 2024. It's all bullshit. Yeah, a little bit. It's all bullshit. So what do you mean it's all bullshit? Let's define that worldview. If that's what defines all of your finances. It doesn't matter what you vote for. It doesn't matter who's president. Objectively wrong. It doesn't really matter with national debt. You're correct on that. But social policies and a lot of different things, foreign policy, absolutely it matters.

28:07What are you talking about? We definitely, what? What has changed. What has changed in terms of foreign policy specifically? No, I'm just saying in my day-to-day life, it doesn't matter. Biden, I don't think, would have done anything with Iran, good or bad. You know, he doesn't even know what planet he was on. Sure. Okay. But listen, like Trump went in. He was much more against, you know, Iran getting a nuclear missile. You can agree or disagree with the war. But like, I don't think Biden would have done that. Okay. Very good. Biden, well, Trump ripped up the Iranian nuclear deal. You can agree or disagree with the deal.

28:37Doesn't matter. Biden wouldn't have done that. Trump didn't in his first term. There are different things that happen. Okay. We're much more Ukraine against Russia during the Biden administration. A lot more money going over there. things are different. You know, where we... Yeah, just whose pocket the money is going into. No, no, I mean, even just the relationship with NATO is different. The trade tensions and trade policies and even just the conversations around Greenland. It's different. It's different for administration. You can't say nothing matters. It doesn't matter in my day-to-day life.

29:11Well, okay. That's the point. That's relatively true. Yes. Now, the tax cuts would have expired. Your taxes would have actually gone up a little, so it actually does kind of matter. so you can't actually say that. But, okay, closer to true than not. Right. So I'll give you that. One thing that I did notice that changed, though, was the interest rate on my student loan. Okay, well, that's the Federal Reserve, lady. Yeah, well, the Federal Reserve under Biden, I got an 8 % student loan. Dude, that was Jerome Powell who was put there by Trump in his first term. And he's terrible at his job. Okay, but that wasn't Biden.

29:44It was during his time. I'm not sucking Biden's dick. It doesn't matter. The Federal Reserve is independent. of the president. All right, and that's why we can't get good interest rates now. Yes, why was interest rates high? Because inflation was high.

29:58No one likes high interest rates. But what's worse is high inflation. High inflation is worse than high unemployment. That is why I am where I am now. What? After all that, all that rambling, you're like, that's it. You're sitting on money right now. I was sitting on money. Oh, was, okay. Yes. and now I find out about this thing. I feel my mortality. What thing? What thing? The aneurysm. Okay. And this doctor's very negative about the whole thing and basically telling me there's nothing that they can do. Did you get a second opinion? I absolutely did. Good. That guy said, I need more salt in my diet.

30:34We could monitor this a little more aggressively and I will have to go for a surgery, but it is possible. There you go. So great. But I'm hearing this over a year later. Okay. I should have gotten a second opinion a little quicker, but. Absolutely. Absolutely. But to get a. Doesn't everyone know that? To get a heart doctor in Florida. Yeah. Isn't that where everyone's dying? Isn't that perfect? And they cram up the doctor's offices. Oh, what did you think? The supply and demand. Okay. Yeah. We don't have enough doctors down there, I guess. I guess. Or we have too many old people. Maybe your insurance doesn't allow.

31:07Okay. Yeah. Maybe you don't have great insurance. I don't know. My insurance is good. Yeah. So anyway, I'm, I'm feeling my motility. 20-24, it did start, and I went to a concert, and I hadn't gone in 10 years, and I'm like, you know what? Screw it. I'm going to go to a show. Kid Rock. Oh, God, no. Okay. It was a joke. Although, it was falling in reverse, and I wanted to go VIP, right? It was wonderful. Yeah, the$20. And it felt great. I felt alive. I felt great. All of this bullshit, all of that crap. Oh my goodness, yeah. Surround yourself with negativity all day. It's weird when you actually do something nice.

31:49Yes. Your brain is happy. Yes. Okay. Yeah, so there was all this bullshit going on in the world, in my life, in everything, medically, feeling my mortality. Yeah, I'm going to enjoy myself. Okay, so you spent a few hundred bucks on a concert ticket. That's why our finances are... Well, I flew to Raleigh, North Carolina, for this show. Oh no. Oh, no. And I got the VIP meet and greet. Oh, no. And because I had to show Ronnie Radke my shirt. Anyway, paid extra for that. And then I decide, you know what? I'm just going to go to all the shows I can. The money always comes. That's the thing. The money has always come.

32:28Not for your boomer ass. Good luck getting employed again if you get laid off. Well, that's the problem, right? And I've been at my job for 16 years, and I'm realizing that, too. These companies don't care. about you. Grinding for all this time. In what way? Depends how you define care. You can get let go in a heartbeat. Yes, that's not care. I care about the people working here, but if there is a budget crisis or if someone sucks at their job, that's not not caring about them. They won't do anything. Like, nobody's going to come and say, let us help you or do you need anything? What do you mean?

33:03Do your job. What do you think you're employed for? Well, I'm talking about the businesses that I've worked for are very, like, big corporations. Sure. What? You want them to come suck your dick for doing your job? I don't know. What do you mean? So I'm going to shows. I'm doing what I want. The money always comes. It always comes. Except not really, because you just established. If you get laid off, you're probably f***ed. No age discrimination in this country. You would be f***ed. Yeah, I would now, but I wouldn't have been before. A year ago? Yes, it would have been. Well, before 2024. 20, 24.

33:38Yeah, a year ago, it was YOLO 2025. That's why. I'm going to do anything I want. I am going to. But you still would have been. You would have had to find another job, and the job market wasn't as great then either. But it doesn't. I'm not planning on getting laid off. I'm not going to lose my job. Oh, you're not planning on getting. Oh, she's not planning on getting laid off. I had money. Oh, very good. I had money. Project manager. Guess what's the easiest thing to replace with AI? Well, they haven't so far. So far is the keyword there. Bro. Yeah, so I... What is even in your retirement, Boomer?

34:16You can let that go right now. Nope. Yes. Or you will be boy. I'm okay with being boy. Okay, boy. Oh, no, I'm so insulted. Okay. Yes, what's in your retirement? About$75 ,000. Oh, f***. Yeah. Oh. Oh, f***. but I had always been responsible, always had put money in there. Nope, not with$75 ,000 at 56. I got divorced. I had to take all the money out of that. What? How much did you lose in the divorce? I have no idea. I don't pay attention to any of this. The money always comes. Oh, yeah, so financially responsible of you. I am not claiming to be financially responsible. I'm just saying the money always comes.

34:56Didn't she just say this? I've always been financially responsible. Well, before, I'm talking about... Okay, before, you would have known how much money you had. You would have known how much money you f***ing had. I never pay attention to that. Then you can't say you were financially responsible. But the money was always there. There for what? You're in debt. You can't say the money was there. You're putting it all in debt, you f***ing moron. What are you talking about, man? Yeah, well, the money was always there. Do you think you're ever going to retire because of$75 ,000? No. Social Security benefits are going to be cut by a legally mandated minimum 25 % by 2033.

35:30unless we push retirement age, which would f*** you, or lower benefits across the board, but that's already going to happen. Do you know why? Are you tracking that? Because the boomers aren't dying off quick enough. No. That's a big group of people that... So you don't know why? No, and I'm going to go early anyway, so I'm not really worried about it. Okay, well, the reason why is because every single dollar that's going out has to be coming in. There will be nothing left on the side. So the moment that happens, mandatory minimum 25 % cut across the board of retirement benefits. The only way to prevent that is, of course, rain payroll tax or Social Security taxes.

36:09Or get rid of fraud, get rid of sending money all over the world. That's not going to happen, unfortunately. But even still, I mean, Social Security is paid out through the Social Security fund regardless. So that's not going to, giving the country another money wouldn't change that unless they allocate more money towards that through a different tax. I don't know. It's up to you, I guess. I don't know. You have no idea what you're talking about. You don't even know why your benefits would get cut. How are you going to retire with that 25 % cut that is maybe going to happen or the age gets pushed?

36:37And you have$75 ,000. That's what I want to figure out because I am going to live now. It's a different ballgame. Okay, that's contradicting when you just said you're not going to be here for very long. Well, I'm going to live long enough. I want to retire like yesterday. I want to be done. Well, good luck. You kind of around your entire life and didn't pay attention to anything and was not financially responsible. Now you have$75 ,000. And you know what's going to happen, ladies and gentlemen? I roll my f***ing eyes every time I see it now. You know what's going to happen? She's going to be 70, and there's going to be a clip online on Twitter or TikTok or a news piece about a 70-year-old working a cashier position at Walmart.

37:13We're all going to be so sad saying, oh, you know what? Her age should have to work to pay the bills. She lived her entire life f***ing around, did whatever the f*** she wanted, didn't sacrifice us one thing and then she's going to look old sad and pathetic for one year no your entire life you probably lived beyond your means you didn't you can't tell me how much you had i know with the money that you have been making throughout your life if you sent 20 aside on a yearly basis you would be retiring a multi-millionaire with what the stock market has done in your life you so there's going to be a pathetic sad story then we're going to get bad policies raising taxes and bullshit like that to give more shit to her, the generation that had everything and sacrificed nothing.

37:59And then they look sad on camera. Fuck off. You should have sacrificed some shit. That was the boomers who were given all that. Girl, you're like two years different. Shut the fuck up. The point is - Same thing's gonna happen every generation with the sad video of an old person that shouldn't have to work to survive. You just decided not to do anything. You could be a multi-multi-millionaire. The income you have had throughout your life. Yeah, if I could I stayed in a bad marriage and continued along with that. No, no. No, it has nothing to do with that. I was a divorced parent of two kids. I don't give a f***.

38:31Even if you're contributing 10%, you would have been a multimillionaire. That's fine, but it couldn't happen then. Yes, it could have. No, it couldn't. You didn't spend one penny going out to eat at all. I barely went out to eat. I was also getting— Lies, lies, lies, lies. I didn't even graduate from college until I was 30. I don't give a s***. That doesn't matter. That's how— 30 to your 56 with what the stock market has done, 10 % of your income throughout those years, you would have been at a couple million bucks. I had 10 % to even give. You absolutely did. I was laid off for 18 months during that time as well.

38:5918 months out of multiple decades. And that money had to come from somewhere. And it came from my retirement account. I know for a fact you just think it'll match. Match. Free money. Yeah, I have that right now. Now. Oh my gosh, she doesn't understand. I know for a fact. I look through statements three days a week. Three days a week, multiple years. Everyone thinks they don't spend money. You spent money. I have spent money recently, but I'm saying all along. There is not a single piece of me that believes that. And then who even knows how long you're going to last at this company? No offense.

39:36You're one of the first ones to go. You're slower. But I'm not, actually. Yes, you are. No, I'm not. Your productivity is probably considered less. No, it's not. Probably. And again, just job, like AI, project management, good luck. Our younger people can't even get out of their own way. Says the boomer. Like, I don't know. It's just like generational division, blah, blah, blah, fight, fight, fight. I don't know. But probably on an actual. No original ideas. Like, can't even go there. Yeah, project managers. That's who we look for ideas from. We do have to figure things out. And it's hard to figure things out when all you do is watch videos all day and be whatever you're doing.

40:22You have a little resentment there? Yeah. Why? Why are you resentful? Because it's bullshit. What? What's going on? Because I didn't have anybody that was supporting me through things. Yeah. So I'm just saying. Yeah. So it's hard to problem solve when you've never had anything happen to you. Life is super easy, and that's when you have to make up shit to get upset about. Shut the f*** up. Housing costs are more high for younger generations than your generation by far. Not even close. Absolutely. Cost of education beyond higher. Healthcare costs beyond higher. Now, for what it's worth, I will give you one thing, the cost of having things for fun.

41:04The cost of groceries as a percentage of your budget is lower now than practically any time in human history. So, younger generations, we got that going. Okay? Got that going. But you had lower housing costs, lower educational costs, which leads to higher income because education, easier to get into, easier to get into. to get a higher income, cheaper cost to go. Oh, absolutely. And health. So necessities to survive, two, and then one, to increase your income. Those things are more unaffordable now than ever. So f*** you, victim bullshit. Just shut up. Shut up. Not a victim. I didn't have anyone to help.

41:35You were married for a bit. You had help for a bit. And you didn't. Then you're a single mom. Oh, no, none of those exist in this country. Yeah, I married, I did everything the right way. I married my high school sweetheart, captain of the football team, the whole bullshit. Well, in the 80s, that's what was kind of the thing. Whatever. So anyway, yeah, I had to support two children during this whole time myself. Yep. No one ever did that throughout human history. Not in having matching 401k and everything else. I had to use all my money. Plus, I had to go to college on my own. I couldn't get student loans and stuff.

42:16Why? And actually, well, I do have some student loan because I was getting my master's degree. I mean, back then, in the 80s, all they would give you for your student loan is exactly what your tuition was. Good. No money for books. Exactly. That's how it should be. Getting my master's degree. You know how much they want to give me in a student loan? $20 ,000 for a$3 ,000 class. So all these people that are saying, my student loan's so high. It's actually you to take as much. You're right. Exactly. No, I'm not an advocate for student loans. Student loans have made what school is. It's so expensive.

42:46Don't get me wrong. That's what elevated the price. But you're complaining that it paid for school. Like, shut. What was your point? You claiming this victimhood is so stupid. Okay, so this is what I'm being told. You stopped getting your master's degree because there was an immigrant in your class. No. What? What? Oh, my God. That's part of a larger story. Of an immigrant? So I'm getting my master's degree. Now, everybody in this class is supposed to have a bachelor's degree, right? All of them. Okay, you didn't check someone's ID when they were coming into class. No, because who cares, right?

43:20We're all in the same program. A 17-year-old walked in. We're all going to get the same degree. Got his bachelor's degree, right? And he has these Brazilian girls. I'm one of two Americans in the whole class. Doesn't matter. Okay, so. We're all in there. You were getting jealous of the beautiful boobs and tits from the Brazilians. No, I'm sitting in the back because I'm the oldest student there, clearly. Probably older than the professor. It's in the industry that I've worked in, by the way. And he's giving us stuff from 15 years ago. Okay, I'm proud of you. You're the oldest in the room always.

43:45Well, anyway, in college, yes. So anyway, kid sitting next to me supposedly has his bachelor's degree. The girls are sitting in the front. He's got sweatpants on. Oh, no. Masturbating in class in the back of the room. So this is a man with his bachelor's degree, actually. What do you think he was masturbating? He had his hand in his sweatpants just gliding along. Gliding along. Okay, that's not confirmation of masturbation. Oh, come on. It's very weird, but when you said that, I was like, it's kind of the things that you see. Like, I was expecting Dick out was jacking. Like, that's, I know for a fact.

44:21Well, that, he would have got caught. But doing what he was doing. Well, how do you know he was masturbating? Because you could see it. You could hear him. Oh, okay. Okay. Okay. Sounds like he was masturbating. Yeah. He was a little bit moaning. That's not good. We're in the back. That's a bit weird. Very. What class was it? And the only reason why. What class was it? Well, this was an energy class. I don't know if I could bust the energy. Yeah. We were learning about biofuels, which— Okay, now you're getting me going. That's bullshit. So anyway, he's definitely masturbating in class. And if I dare— And he's from Guyana, which he wanted to tell everybody.

44:50Good for him. We all had to introduce ourselves. But the thing is— So he told everyone during the introduce ourselves section. Yeah. What a criminal. No, the reason that he's a criminal is because I guess they give out diplomas like Tic Tacs out there. Are you telling me that a kid in Guyana could get a degree in anything, supposedly a biology degree, and be masturbating in class? Like you had no self-control. I don't see the correlation on those two things, I'll be honest. Well, you'd think that somebody at least that could sit through a degree program of any type or even any type of skill, even to work anywhere, he should be able to control himself from masturbating.

45:28Maybe he sounds like a pervert, but there's, I mean, there's smart perverts. I mean, he's. That's disgusting. Well, yeah, but I mean, you know how many elected officials are resigning these past couple weeks by being perverts? But they're also very smart people getting where they got. Like, there's perverts that are smart. It's not necessarily correlated. But my, so with that, like, if I stayed in school, he's going to get the same degree as me. Did you report him? Also, who? Oh, if I reported him? I'm sorry, I'm sorry. As a white woman, are you shitting me? If I said, hey, the guy in Guyana. Girl, that's the one before DEI.

46:03No, this was like two years ago. Oh. Yeah. No, even still, masturbation, cancel culture, woman? Absolutely. Come on. White women, perpetual biggest victims in this country. What are you talking about? Oh, my gosh. You were set up for success. As it was, I warned the Brazilian girls. I said, watch out for that guy. Don't let him follow you out of class. Okay, maybe talk to like a professor or security or something. Report him to the police. I don't know. You suck with money. So you download a budgeting app. You start with the classic one, YNAB. but everyone just deletes it because it's way too complicated to use.

46:35So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

47:11Download it now, start the free trial, DollarWise.com. Link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to$200 in bonus cash right Now, when you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Anything but like, hey, PBLs, dude's jacking it.

47:46Like, I think there's alternatives beyond that. Okay. Now, your reason for dropping out is because, wow, then my degree would be worthless because the guy that masturbated would have it too. No, how about you actually just do to improve your life, never sit by him, or actually take some action and report him. He's objectively the bad guy in this situation, but you chose not to report. Like, at that point, it's hard for me to be like, oh, no. You didn't report. Like, what am I supposed to do? No, how could I? Okay, you report. Because he's from Guyana. He's going to— What does that do? What does that mean?

48:22Because here I am, like, picking on somebody who's from another country. That's a protected class right now. You're a white woman. There has been no other people put towards advantages in this country's history in the last five years than white women. You guys have been everything. What do you mean? Girl, you could have canceled him in about half a second. Just like you said about the vote. One tweet longer from you and that dude would have been beheaded. Oh, please. What? Have you not seen what the country was a couple years ago? They probably would have given him a private class. What are you talking about?

48:54You a white woman, you could have ruined everything. Infairly for him, by the way. It would have been. Yes, and you could have. But I couldn't have. No. No, absolutely not. And like you said, because like you said about the vote, I only saw it. So it can't be a fact, right? No, no, no. But a white woman, dude, you can brush up against someone's leg, claim that dude's career will be ruined as a white woman. Absolutely you could have. That guy saying he was jerking off in class. Absolutely. And I guarantee you they have cameras in there anyway. but even if they don't, regardless, you could have canceled him in a heartbeat two years ago.

49:27It's a little better now, but there's still some crazy people. You could have. White woman? Absolutely. Are you kidding me? I wasn't going back to that class. No. Okay. Plus, it was all outdated stuff. We're talking about. You're just there to get a degree. I don't give a shit if things are outdated. I do give a shit about the masturbator, but you chose to not do anything about it. Because I'm not learning anything. Other than hurt your life. That doesn't matter. That literally doesn't matter. You're getting the degree for your income. I don't give a fuck if you're learning. I mean, I wish schools would teach.

49:55All I'm getting out of it is student loans. No, you're getting a degree for your income. Isn't that what you were there for? Yes, that's what I thought I was going to do. What the fuck are you talking about then? Plus, it's interesting. I love the energy industry. I think it's fascinating. But I wasn't learning anything. So that would have been great for me. And I started it in 2020. That's when I started that degree because I was so bored in my house. Started the degree online, but ended it two years ago. Well, keep taking it online. Everyone's jacking off. Trust me, in online classes anyway.

50:26You just don't see it. Foul. Oh, just masturbate your clit along with them. You'll be fine. That would get rid of some tension. And some dust. What do you think your financial score is? Zero to 10. Zero being the worst, 10 being the best. Zero right now. Yeah. If you want your Hammer financial score, get it for free at CalebHammer.com. It is free. You can see where you stand in the world of money. It just takes a few minutes. It is pretty awesome. And that link is in the description below. And also, if you don't want to be like this boomer that fucked up her entire finances, make sure you download the DollarWise budgeting app so that you change your life like tens of thousands of active monthly users are.

51:00Right now, there's a free trial, and you can save a shit ton of money by signing up for the annual version. And then you get my detailed 30-day meal plan. So there's no excuse for not being able to meal prep at a lower budget. You get mine with the digital version of our cookbook that teaches you every single recipe as well. You get that. Signed by me, mailed directly to you. There you go. So, that's for you. You're welcome. How much do you even make in this job? I didn't even ask project manager. Oh, well, this is what's so sad, too. Oh, fuck. All these years, I just cracked$100 ,000. Oh, what a victim.

51:36What in Minecraft? What the fuck? What am I supposed to do with that? After 40 years. Ah! Let's go! Ah! The median income in this country is like 65. Shut the f*** up. You're doing a little better. I have no idea. Oh, my gosh. You have no perspective on anything. No. Shut the f*** up. What is your account on a monthly basis? I haven't been paying attention. The money always comes. I've never had to worry about it.

52:18My credit cards were always paid off at the end of the month. I was very good with everything. Was. Were. Until. Exactly. I took a year off to have a good time. You don't get to do that. You can have a good, with 100 ,000 hours a year, what were you making before? Well, around that, because this is regular. Okay, if you live 50, 30, 20, 30 % of 100 ,000 hours is a pretty good damn year. Multiple European vacations if you wanted to. Shut the f*** up, you entitled brat. I earned it. I've been grinding forever. Oh, I had a job. Without a break, other than when I was laid off. And then I had to...

52:53Bro, you were literally complaining about what every other human being in existence has to do. And you're getting paid very well for it, so I don't care. You have a house. I don't have a sympathy. You afforded a house in Massachusetts. That's how okay you were doing. Shut up. As a single mother, you afforded a house in Massachusetts. sits. Cry victim? Shut up! That was a good investment. That was a smart thing that I did. You're not a victim, you pathetic worm. 56 years old, making a hundred, you don't know what hits your account. Let's find out. Oh, yes, what would you like to say? Oh, I sprained my thumb and it's sore.

53:34Okay, income, I had payroll,$7 ,170. Very good. Strong income for a long time, not a hundred and she only has 75 ,000 hours at 56, three years before she can take out from her 401k and IRA tax advantage accounts.

53:537 ,100. I lost it. $70.85. Good income. You're fine. Hold your kids. 30 and 32. You're doing the classic selfish parent thing. Dump your entire life last year. Now they're going to have to bail you out when you're too old and you get laid off and you get... I'll do whatever. I'm not some, like, pampered princess. I don't have to have everything just so. What the f***? You said you deserved a year off. I did, yes. Not pampered princess. Die. In my car. Shut up. So why is this mortgage first? Why do I see a mortgage? $2 ,700,$275 ,000 and$35.85. My goodness, I'm like, f*** right now. Yeah, so I was doing business with friends.

54:43You were not even behind. I thought that you would be behind. It's the first one. $2 ,323.97. Yep. Okay. Yep. That mortgage makes sense for your income situation. I'm vibing. Yeah. What's up? So I got an FHA loan for the mortgage. Oh, that's a good one. My friend, yeah, so I hardly had to put anything down. That's how I had all the extra money. Which is stupid. To do the, okay. Yeah, well, here my friends are telling me this is what they need to do. Maybe she had a quota for FHA mortgages because this is the same person. Oh, your friend was the one telling you the loan. Yes. And last year, I refinanced.

55:22I was in a 3 % loan. Oh, why'd you do that? Because I needed some more money to go to concerts. What? And what she told me was. Who are you even seeing? Are you going to festivals at least? Yes. Where? I went to a couple music festivals. What? Incarceration in Ohio, Louder Than Life in Kentucky. Why aren't you going to any of the ones? Coachella's happening right now. I'll be going to... So the top four music festivals that aren't like genre specific, like just general music festivals, if I'm not mistaken, it is Coachella, Lollapalooza. What's the big one in like Wisconsin? It's huge. Or Minnesota or something.

56:00And then ACL and Austin. Those are the four largest musical non-genre ones. And then there's electronic festivals and blah, blah, blah. You didn't go to any of those? No, because I went to... I'm not into that music. What? It's every music. That's the thing about those music festivals. It's every music. Yes, there's metal there too. Yes. I went to a metal concert at ACL last year. But to get more value out of your concert. So you cash out refinance your house. Right. So what she told me was not going to impact anything. I'm taking some of my equity. Yeah. So then when I— I know how that works.

56:39Well, I don't know how that works, right? You were taking out equity. Yeah, so I'm taking out a little bit of equity. And I'm knowing I could—I have a ton of equity in my house because I always paid ahead on my mortgage when I had money. Okay. Just always, right? I don't know how much equity that would accumulate in just a couple years, but okay, continue. Well, the house is going for$400 right now. So I'm like, this is fine. Okay, you're decent. So— I mean, you make good money. I don't understand how you couldn't cash flow concerts, but okay. Yeah. Sure, sure, sure, sure, sure. So it was at 3%.

57:06Now it's at six. Now my payment has gone up. Yeah. And so then I was like, well, what happened? And then I just heard, because I said, hey, the rate's gone down. Can we refinance? And she says, oh, no, there's a cost associated with that. Yeah. It usually costs money to refinance. I had no idea because she's doing it. She's telling me I'm just taking out some of my equity. You're not 26. You're 56. I don't care about mortgages. What do you mean? You've been in mortgages since forever. Yeah, and I go to people who are supposed to look out for you. This is why every bootleg gets scammed. Yep, and it did not happen.

57:41I've been scammed many times. Oh, yeah, you have. Mm-hmm. Oh, yeah, yeah. Yeah, yeah. So it's all the time. Or, you know. It's Pam. All the time. Oh, I didn't know what you were saying. Okay, you said your real name. I thought maybe you said like the N word or something. I don't know. You were so shocked when you said it. Yes. How frequently do you say the hard R? Never. I have no reason. Because I have no reason to use that word. You're racist. I am not. I don't care. About what? I don't care about anything. You don't care about black people? Oh my God. Can we call Tyler in? My high school is half black.

58:20Whoa. That's how we grew up. It's enough. And what's your opinion on BLM? Well, I was actually all for that in the beginning. I was about it. I want to donate my money because I'm very... What's your opinion? Well, I found out that was bullshit. Come on in. Oh, nice haircut. I didn't even see. Tyler, she said she doesn't care about black people. Oh my gosh, that is not what I said. She did say that. I said, I don't care about any of that bullshit. What is any of that bullshit? Like any type of racial thing. Who cares? Oh, so you care about all of us. You with us? Yes. Put the fist up. Yeah, what's your opinion on BLM?

58:57That's all I'm talking about. BLM. Well, BLM, I was going to donate to, right? Because I'm thinking. Okay, now. and then I educated myself. Oh. Oh, what'd you educate yourself on? What'd you find? Well, I dug into how they get their donations, and it's through ActBlue. 3 % of all their donations go through ActBlue, which is a Democrat. And I was like, I'm not donating to a political party. I want this money to go to this cause. How do you think George Floyd died?

59:33that's the wrong hero to have that is a wrong hero to have if that's what you're hanging your hat on that is a mistake three funerals during covid what the f was that about RIP my brother for real, man. RIP my brother for real. Don't listen to her, guys. RIP my brother, man. Amen. Thank you, Tyler. Always. Always. I think I'm in love with him. Tyler? Yeah. Tyler, she's in love with you. She's in love with you. Aw, thank you. I appreciate that. Okay. Okay. Okay. Very good. All right. Okay. So, okay. Your mortgage payment's higher now. Yeah. Well, trauma again, I guess. Well, it's just bullshit.

1:00:21Like, why? Not really. You refinanced. You took money out. You got a higher rate. It's not. Yeah. Well, it was supposed to just be equity out and no worries. How much did you spend on concerts in your special 2025 year? About$20 ,000. What the f***? And it's still in. How? Going to VIP. Oh, for f***ing. Would you get what the f*** is going on? Sometimes flying. Oh,$20 ,000 on concerts in a year? When you have 75 in retirement? at 60 almost all, you moron. If there's a sad video of her working at Walmart at 75, I want no tears. Never support those videos. They had every opportunity. Unless they were in literal poverty in their entire life, they had every opportunity.

1:01:04I have no sympathy. I see people spending every single day, spent 20 ,000 hours last year, then she's gonna be like, oh, I'm a boomer, retiring. Oh, I can't afford to survive. No person should be at this age working. Yes, you should if you chose not to sacrifice. It's not on us to take care of you, you piece of shit. No regrets. It was a lot of fun. And I needed it. And we shouldn't take care of you. Nobody's going to take care of me. Nobody ever has. If they want to increase our taxes when you're a boomer, when you're a retired ass, and we have to take care of you with higher Medicare or Medicaid and all that, and higher Social Security, if we have to increase Social Security taxes because of your ass, That's what they're doing now because there's way more of the boomer generation than there is of Gen X.

1:01:52Gen X is the smallest generation. So if anything, younger people are going to have a—they shouldn't be paying as much into Social Security at some point. Boomers were a big generation. That's why they were called boomers. I know. Yeah. Okay. So we've all been supporting them, and they've been retired since they were in their 50s. Believe me, I live amongst them. Okay, if I'm not mistaken, the last rate change for Social Security taxes in 1990. So you can't say they're doing that now. Social security taxes. No, they're collecting social security, though. They're getting their doctor's visits paid for.

1:02:35That's what I'm saying. They're a huge generation. It's not unfair that they did that, but it's set to fail. Absolutely. With the declining population and everything, it doesn't make any sense. 1990. Yeah, well, the population should be declining at some point. Well, that makes no sense because then it's two, In a couple decades, we're going to be at two workers per one retiree. How can we afford that? That's fucking you. What do you mean it should be declining? Which one do you want? The boomers are declining, finally. Yeah, but you still need a growing population. Oh, my goodness, you're a moron.

1:03:09Okay, you have a higher mortgage rate. I'm saying that this generation, Gen X, is much smaller. There's going to be a lower pool of people that are even going to collect anything. It doesn't even matter still. in a couple decades, there's still going to be two workers per one retiree. Regardless. Doesn't matter. Okay, why do you have a debt consolidation? Because the money always comes and that's where it came from. Oh my, that's not money. That's consolidating. What do you mean the money always comes? Because you applied for a loan? The money was there. It's not money, it's debt. What do you mean?

1:03:46Is this actually, when you say the money always comes, this is what you mean? Yeah. Oh, no. It always has all along. So right now. So what do you mean when you say the money always comes is you can apply for more debt? Oh, no. There's always money there. No. Until they say, no, no, no. Because your credit or something is shit. You just can't afford your debt to income ratio is shit. $368.11. That alone wouldn't make or break you, but we have a lot of paperwork to go through. Higher mortgage payment now. Oh, Lindsay said she thought this was free money. I'm not kidding you. You actually thought this was free money.

1:04:25The money's always there. It always comes, right? What does that mean to you then? That I don't think about it. I don't think about any of it. And how has that worked? It's worked fine until now. How is it,$75 ,000 of retirement? It's worked fine until now. It literally has, and it's only stacked up until now. Now you're just facing the consequences for your actions that haven't been working. Of the one year that I took. No. And part of this year. You only have 75 ,000 hours in retirement. That is your entire life. That's not just last year. Right. It's never been an issue. I've never had to have a budget.

1:04:59No, because when they were young, we did the same thing. No, of mother. No. Extreme political. Oh my gosh. Extreme political, not going to be able to retire or sacrifice anything mother. No. You smoke? No. Did you? No, never. Florida sun. You wear sunscreen? No. Ah. Never. Ding, ding, ding, ding, ding. Found it. Gotta wear sunscreen, especially in that Florida. Hey, look what it's done to you. No, because I'm half, I'm Portuguese. Look what it's done to you. What? I guess it's irreversible. Is it irreversible? Hmm. You just, you've gotten, you got all the sunspots and like wrinkles and stuff. Yeah, and I'm also 56.

1:05:43I know, but 56-year-olds who wear sunscreen every day have much smoother skin. It's fine. Just like, do we need an additional diagnosis in your life? Skin cancer. Oh. For for sake. Okay, it's only 6 % paid off, so you just got this. Like a 12 point, it's a 12.6 % interest rate. What's wrong with you? That's free money? Well. 12.6 % interest rate? It always comes. Yeah. Yeah. Interest. Well, because I've never had to have a budget or anything. And then once I'm kind of looking at it, kind of. You always need a budget. Just because you didn't see what was happening doesn't mean you didn't need a budget.

1:06:20That logic doesn't make sense. Yeah, just never. I never had to. The kids always, we always had video games. Because of death. We went to. And not putting money aside for retirement. Not any personal responsibility. And then we're going to have to take care of you. It's pathetic. The money always comes. Yeah. No, the only thing coming is to do it in the back of class. He didn't finish that nuclear power plant talk? Those are some big holes at the top of those things. This makes no sense. I just don't understand. Why the f*** you are doing this in your second half of your 50s? I get so many headaches every month.

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1:07:34Allergic reactions can include rash, welts, asthma symptoms, and dizziness. Don't receive Botox if there's a skin infection. Tell your doctor your medical history, muscle or nerve conditions, including ALS Lou Gehrig's disease, myasthenia gravis or Lambert-Eaton syndrome, and medications, including botulinum toxins, as these may increase the risk of serious side effects. Why wait? Ask your doctor. Visit BotoxChronicMigraine.com or call 1-800-44-BOTOX to learn more. Jeez, dick consolidation's at 12.6%. All that grinding. Shut the f*** up. You've just worked normal-ass jobs. I don't want to hear it.

1:08:10I had a job at the same age as you did when I started as well. I'm not complaining about having to work at steak and shake at 15. Well, when you're in your 50s and you want to have a year of doing whatever you want, you'll deserve it. I felt like. I know there's not entitlement in this world. I know that I reap the rewards of what I put in. And that's what I felt I was doing. I was reaping my rewards. There was no reward there, though. You just took something that didn't exist, and now you're paying for it. That's debt. You put it all on debt. Oh, my God. The money was there. The Venmo credit card.

1:08:44Have I even seen this? I don't even know. I don't even know if I've had this before. This is like new. Venmo credit cards are new. And you immediately just were like, oh, there's free money. No, I actually got that one for my daughter so that she could build her credit. Oh, yeah. You're a great example of that. Well, I was before. Okay. Well, who's spending on it? You or her? Me. But she's on it? No, she's not. Oh, thank you. I didn't want to put her on it. Why'd you spend$266.32 in the previous month if you're not even putting half of that towards the card? It takes two years to pay off minimum payments only without any additional purchases, of which, oh, you like to purchase.

1:09:24Balance,$539.09,$30 minimum payment. What the f*** are you doing? I don't know what I bought. I have no idea. Oh, well, how about Carnival the Fun Shops, Sirius XM. You're telling me you're not a f*** boomer? Taco Bell. Well, that was on the Carnival Cruise. Taco Bell? No, the whatever. Sirius XM? No. Oh, the one that says Carnival? Yeah, I assumed. Yeah, that was from the Shiprocked Cruise. Isn't Carnival the... It's just a little... Trashy. Oh, really? Why? Why is it trashy? Starbucks is bulls**t and a waste of money. And you already know that by making your coffee at home and invest in the rest.

1:10:11So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at Gamersubs.gg or click that link in the description below. Type in code Caleb. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday.

1:10:52Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. Oh, because everyone's just throwing ass and... Who is that? People, trashy people, just bouncing, throwing ass. Yeah. Smoking weed. I didn't see any of that. Really? Not on your carnival? Did you have Carnival Elite? No, we had the whole ship for people that listened to metal. Oh, yeah, no, no, no. Yeah, so there was no trash. The booty throwers were not there. No. Oh, they've banned rap music on Carnival Cruises. Why? Because just, dude, listen. Okay, listen, I know I'm making like, ha ha, silly little racist jokes.

1:11:31But the thing is, it has absolutely nothing to do with the fact that, unfortunately, the videos. Okay, unfortunately, the videos, the people were majority black. Yeah, yeah, put it in there. But it has nothing to do with that. It's just the fact that it was just an endless chaos machine of just crazy parties, and it just looked horrible, and it was making the brand not sell well because no one wanted to go there. That's probably why they do these cruises now. Yeah, I mean, there's themed cruises everywhere. Well, this was the first one I had ever been on because I wanted to treat myself. Apple Card, what's going on?

1:12:06Apple Card, 2000. That's my favorite one. Oh, you have a favorite card. Yeah, because if it comes up to where there's no money on it, I can throw money on it real quick and it credits me right away. I know. That's part of the money always coming. That's not money, you moron. That's you putting money. Oh, my. The spending's insane. I, there are no tears when you can't retire and we should not at all raise taxes, especially social security taxes because she can't retire after what you're about to see here. $2 ,079.68 with$58 minimum fee payment. Door dashing hungry Howie's. Home Chef. Craft Light Brewing.

1:12:51Apple Bill. Door dashing green tea. Apple Bill. Apple Bill. Netflix. Tea Moo. Louder than life. DoorDash and Hungry Howies, Apple Bell, YouTube Premium, Instacart. You, it's all bullshit. Well, louder than like - Bullshit! Music festival. Save up money for retirement. Pay off your debt. You entitled piece of shit. High interest. Interest accruing. Payments not being made. Only when you want to spend more. Mission Lane. Oh my goodness. You spent$2 ,593 on this. Interest accruing. 19 years to pay off. I'm going to die.

1:13:33You only made the minimum to pay it better than you purchased$2 ,593. Death. Death. Absolute death. Mission. You owe$4 ,659.16. Minimal monthly payment,$130.72. 19 years to pay. Are you going to be alive? Probably not. Because my aneurysm will burst. But you might be able to get rid of it, right? Well, I have surgery. Yeah. Yeah? Can you get surgery? Possibly. Okay. I mean, which one's riskier? I have no idea because I don't pay attention at the doctor either. It's not my job. It is, actually. What about your kids? You have grandkids? Yes. Okay. You want to be around a little longer? I would like to.

1:14:25Let's pay attention at the doctor then. I'm a great rules follower. Okay, then what's riskier, the open-heart surgery or just keeping it there? I would have to ask. Because he hasn't told me, or I would remember. What has he advised you do? That we're going to monitor it. And if it gets one, it's at like 38. If it gets to 40, that's when it bursts. You're saying that at 8%, the bonds fail, and we are already at 4 %? That's right. So when it's at 39, we can do surgery. Okay. Okay. How easy is it to go from 38 to 39? I don't know. Well, what's weird is I never had this problem before. So that was my worry.

1:15:03If it can come along that fast, it's nothing I ever had before. So how did it even get to 38? I had unregulated blood pressure where I was just like passing out all this time. Because you were fat as fuck. Actually, no, I wasn't then. You just told me you lost like 100 pounds or something. I got down to 135, but that's part of my YOLO. From? From 170. Okay, yeah. But I gained back. I was 135, and then I've gained back 20 pounds. Okay. Part of the YOLO. Part of the DoorDash. YOLO? You only live once? That YOLO? Well, your once is coming to an end if you don't keep your weight and blood pressure under control.

1:15:37Are you on blood pressure medications? Very minimal. Okay. Well, at least you are. Your diet's better? And they recommended more salt? Yeah. He said more salt for, like, the— Maybe that makes sense. I don't— Yeah, because I don't— That's not my thing. Yeah. Okay. Okay. Okay, so the$2 ,000 we spent on here. Welcome to, I don't know, you spent$893. Welcome to Rockville is the other one, but that's paid off now. The other what? The other festival. Great. Amazon, Amazon, Amazon. Allure Hair Design. Oh, that's my friend, yeah. She put purple in my hair for the - Carnival Fun Shops. Yeah. Welcome to row 26, Carnival Horizon.

1:16:20This is just ridiculous. It's at a 30 % interest rate, basically. This is so stupid. This is so stupid, man. Oh, when you refinanced eight months ago, you paid everything off. And now these are back up to the... Pathetic. It's honestly pathetic. It really is. Like, I'm losing my energy to even have the... To even feel outraged towards all this. This is just pathetic. Quicksilver, what's going on? It's another card. Oh, wonderful. You actually didn't spend, surprising enough. Oh, you really can. It's basically maxed out at$3 ,936.08. Oh, sorry, new balance,$3 ,853. Still basically maxed out, though,$0.68.

1:17:10Minimum monthly, 18 years of health. Minimum monthly payment,$1.23. Yeah, I guess you don't really care if you're not going to be here for a while. What about any debts your kids will have to settle in order to get access to your assets, though? I don't think there would be anything, right? It depends on the debts. It also depends on the states. I don't know. Okay. Navy. Wow. Old Navy? Yes. So that one actually, you know, because they give you a discount when you open up the card on what your purchases were. Oh, my goodness. You fall for everything. So I did that. And you're more than paying for it with$70.23 a month in interest.

1:17:49Well, and that's what kind of made me think twice about this plan. Oh, you had a thought. Was that they cut my credit limit. And that's never happened to me before in my life. Yeah, it's because you're shit with money. 17 years to pay off 107.13 minimum fee payment. You owe$3 ,760.95. Oh my goodness, you purchased$2 ,000 on here. I'm old Navy while it's accruing$70 in interest. Oh my. You can use it anywhere. Apple things. Apple Bell, Apple Bell Allure. Now at McDonald's, a McDouble is$2.50. So you can get your gym gains on. Or just get lunch for only$2.50. Get more value on the under$3 menu. Limited time only.

1:18:27Prices and participation may vary. Prices may be higher for delivery. Air design again. Bullshit. Protoveda. Ship rocket. Ship rocket? Ship rocked is the cruise. Oh, my death. Apple Bell ship rocked. Ship the cruise, cruise, cruise. Apple Bill. Seaport Parking. Wendy's Dunkin' Donuts. Market Plaza. Guys, she doesn't spend that much money. Apple Bill. Apple Bill. Funeral. Court. Oh, that's the funeral portrait. That's a band. That was merch. Okay. She's got to get merch. A little bit of foreshadowing. Is it? 33.24 % interest rate on here. This is where you're spending all your money? This is ridiculous.

1:19:08Give me your phone. Me? Yeah. No. No. No, someone that's not on camera. I don't know who you're talking to. I'm talking to the audience.

1:19:22Oh my goodness, the way boomers have their phones, everything's just in a folder. Oh my goodness, subscription queen. Apple Music, Finch, Self-Care Pet. Self-Care Pet? Is that a digital pet? No, I didn't know what that is. Pedometer? Oh, it's a pedometer, yeah. Yeah, pedometer, not pedometers. Don't need that. Price snap? Price? It's an AI price thing, but you can do that with any AI. Yeah, but that one. Tachimon? Oh, that's the heart. Tachometer. That's my heart. Well, you seem to not care about it because it's expiring soon. Because I'm done with it. Text killer spam thing. Wolves, puppy, and dog something.

1:20:09than yearly subscription to yearly subscription. I don't even know what that is. Lots of inactive subs. You try lots of things constantly. I like to support creators. Oh, yeah. Creators, what creators? What creators are you doing? Oh, my goodness. Even your recent spin on your Apple cards, all bullshit. What creators? What? Like, I like to support people that are making things. People that are not businesses. How about you make retirement? How about you make an older age? Amazon, okay. Puzzles. Yeah, those are gifts. Cinnamon supplement thing. Amazon Basics are a teen gallon trash bags. That's fine.

1:20:46Scott's Comfort Plus, that's fine. I do fall for a lot of those like, oh. Supplements? Collagen and yeah, berberine. Well, there are certain things that are good. Collagen's not necessarily, that's not bad, but. Yeah, so I'll get that and stuff. Okay, bras. Something about old titties. I don't like thinking about them. I don't know why. Well, just like I don't want to think about Guyana and Dick. A little racist of you, I'll be honest. Well, Guyana is a country. I wouldn't want to think about white Dick either. Makes any difference? It's a little gay of you. I'm just being ageist. Okay. So ageist is okay.

1:21:28Yeah. Yeah. No, of course not. I'm being silly, but... Okay, well,$81. in retirement. Wow. Okay. Yeah. I think some of them are better than others. Okay. What is this? Credit union, something. I don't know. You have a fucking... Pentagon. Yeah, what is Pentagon? The Pentagon. 47 years to pay off. They're allowing someone to have a 47-year payoff card at 56? That's weird. Like, what is their business here? They're the Pentagon. It's the Pentagon. The federal Pentagon. What is their business? Okay. They're, mm-hmm. Okay. That's the credit union. Oh, they don't pass audits, I guess. This is clearly why.

1:22:12$7 ,968.84. Minimum monthly payment,$468.84. 47 years to pay off. Yeah, I don't know. This is ridiculous. Oh, you're over the limit,$468. Oh. Pentagon doesn't give a shit, though, I guess, so. Apple bill, Whirlpool, Whirlpool, Whirlpool appliances. Oh, a filter for my water thing. You're over the limit and they let you, okay. 17.99 % interest rate. Oh my goodness. Dude, you have every credit card just up to the max. This is insanity. You spent money on this one too, your Amazon Chase card. Okay, yeah, we just looked at the Amazon. But you're purchasing Amazon on other cards as well. Yes. $4 ,147.93.

1:23:00Minimum monthly payment at$143. Purchasing, of course, 16 years to pay off. What's the point? Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Interest, 205 this year so far. We're only a couple months in. That's pathetic again. Affirm, of course you've gone down the Affirm pipeline. You just knew everything, dude. I didn't even know what Affirm was. That's my cell phone. Good, keep the ignorance. Oh, you Affirmed your phone? Oh, because you bought your phone outside of the shop? I got it through Mint Mobile, yes. Oh, so you just had to buy the phone separately and then get mint on it. I mean, helium, I'd do helium at this point, 15 bucks a line, but that's okay.

1:23:38I guess you can actually do that because this phone's not contractually attached, this payment. Okay, so$1 ,424. $94 a month payment. So you have a 17 % interest rate on your phone. What are we doing? You will fall for anything. Oh, here we go. Student loans. For what again? For the degree you dropped out because the dude was jerking it? I dropped out because it was useless. Was it? Does it have a return on investment? I don't think so. Then why would you go in the first place? Because it was 2020 and I was bored in my house. I'd moved forward by myself. Do something else productive. Well, getting a master's degree, I thought was pretty productive.

1:24:16Not if it doesn't have a return on investment. At least it was interesting. And it's in my industry, so I thought I'd learn something. Was it? You said you were bored. I was bored during COVID, yeah. Okay, so you had$10 ,382.77 with a$260.80 minimum payment. Oh, past due,$130. Yeah, I don't know what their pay dates are. And I don't know. Set up auto pay. That's a new loan, too. It's not a loan. It's just kicking in because all the deferment periods are done. It's not a new loan. Well, they keep changing the provider. So I never know who I'm sending. Changing the what? The provider. Like, this is CI.

1:24:51Yes, there's different services. They get pushed everywhere. It doesn't change your minimum payment, though. It's the same federal rules. No, but it's who I have to pay it to. Doesn't matter. Go on the phone. You're so pathetic. You can't do anything. I'm so done. I'm so done. I'm so done. I'm done. I'm done. Yeah, check-in account. Started with five, ended with five. No, sorry. That was our regular savings. Great at retirement age. Check-in account. Ended with$46. Wicked Cookies. Friday's Southern Eats. Dude, Pork Ricky. Some restaurant bullshit there. Southland Concessions. Bagel. Patriot Shave.

1:25:25Oh, that's Razors. Wow, you really got that red, white, and blue clean pussy. All right, that's good. It's a good razor. No bumps. Freedom pussy. ATM withdrawal of$320. Well, I was trying to do a cash budget for myself. Oh, okay, just use dollar-wise, dude. McDonald's,$12.93. Surprise, no overdraft fees. It's just, what a joke. Which Raw paid some fee,$29 from this account. I can't even see the balance on this. Okay, where did it end? Did it end at the top or did it go? Okay, it went forward. You started at 96. Oh, you're overdrafted. You're overdrafted in this account. Oh, and then you're Jeeps with it.

1:26:09That's when I realized, like, wait a minute, the money's not coming. Oh. It always comes. Something happened. You figured it out for the first time, finally. It only took till 56. Jeep, what do you owe total? I can't find the balance. I think it was$41 ,000. $8 ,000? Yeah. What? Under$29 ,000 Jeep Gold Gladiator? Well, I had a 2020 Mustang California Special, but I had to trade it in because my dog is claustrophobic and he wouldn't get in the Mustang anymore. Get another larger vehicle. And I put— What are you saying? Are you telling me it's actually worth— or it's a— Oh, my gosh, your minimum payment is$699.

1:26:50It's at a 7.25 % interest rate. It's 69 cents. Okay. So it's what? It's 40, 41? How much do you have? 41 ,000. Ah! How much do you think it's worth? I have no idea. 23. And I put eight grand down on it. That was the rest of my little... Bro. Oh, I'm so done. $6 in this checking account. ATM with Raw. Pool. Some pool. $100 pool. Probably pool care. Yeah. King C. ATM with Raw. $200. Who knows where that went? Another$300 there. Yummy Thai food. Professor AR and Spotify. So you have Spotify and SiriusXM? Yeah, because I don't like listening to this. I'm going to die. Okay, but use one, right? Right?

1:27:32Yeah, I'll figure out which one I like the best. You haven't yet? I will. You haven't yet? Oh, my gosh. Okay, ending balance in this. Oh, savings from$48 to$21.

1:27:46Retirement is going so well. Okay, three. Okay, and this savings,$11.53, and then$3.16, ending balance, in that checking account. Best balance you've had in a checking account. How is this moving money back and forth? It's not even actual management. $10 in that savings. Dude, this is crazy. More. Oh, this is another debt. Is this an additional$6 ,206? It's student loans. It's on your credit report. Oh, then I don't even know what that one is or who it's with. But it's never been late. 37 % paid off. Oh, that might be on auto pay somewhere then. Let me see if the monthly payment matches up with the other.

1:28:24No, it doesn't. So this is a new, this is a different one. This is another student. Oh my gosh. Okay. So another student loan, maybe from a previous. No, you opened it in 2020. Fuck me, man. Okay. You owe$6 ,206. Okay. Lindsay said this is for your bachelor degree. If it was 2021, that would be my master's. Oh, I don't know. Yeah. Wait, what is it? What is this one? $15 ,000. Is that the previous two? That might be, because they keep changing the providers. That might be another one. It doesn't matter, but it's different payments and stuff. No, because this is a completely different balance, and this was just pulled.

1:29:03I don't know. Okay, this one's the federal. I don't know what the other one is. Let's keep it as it is. But the minimums don't line up. I don't know. So it's going to make budgeting confusing. You need to log into all your accounts. We'll try our best. Let's see what we can do with you. I mean, which is bad debt alone? You have$37 ,000. I mean, no, it's worse than that. But your total debt situation is$388 ,022, while the mortgage is only$275 of that. You have over$100 ,000 of bad debt. This is insanity. Your income, monthly,$7 ,170.85. Mortgage,$2 ,323.97. Debt payments besides that. Let's find out.

1:29:47It's not going to be great. And it might be missing a student loan payment. I don't know. Jeez. Did your minimum payments outside of your mortgage or more than your mortgage? $2 ,556.29. That's insane. Man. Utilities, gas, electric, trash, all that stuff combined, how much? Internet. That's all in my HOA fees. Oh. Her 401k was missed. Oh, no. We saw the 401k. I just didn't see there was a loan on there. There's a loan on your 401k. That was really old. But is it there? Yeah. You still have it? I think so. It's on my pay stub. Good death, woman. Okay, I'm so... Okay, yeah, what's your utilities?

1:30:30I took an entire year off. Utilities, what is it? Yeah, fuck you. They're pretty minimal. Tell me numbers! 200, I'm trying to think, like 150 on average. Is that including internet? Internet's included in my HOA feed. Internet trash. Is your HOA fee including your mortgage? I don't think so. So what's your HOA? $600 quarterly. Even still, quite chunky. $200 a month plus$150 for utilities,$350. You're letting your HOA take care of your internet? That's insane. We have to. Have to? I would never buy there. They do. Probably shit speeds. Okay, phone bill? Well, how much? I prepay it, so it's like$300 a year.

1:31:12Well, I don't know how you can afford to even do that at once, It's about$25 a month. I would do helium for$15. T-Mobile's getting in your area. I'm assuming it does. How much for gas, room, room, drive, drive? I work from home, so maybe$25. But except for when I drive to Atlanta like I did last week, that was$200. Well, it's when I go to concerts. How frequent is that? Probably never again. Guys, I just read a note. This post show is going to be absolutely crazy. Absolutely crazy. She's about to have to have a crazy, I will let you know in a second. Oh, actually, I have to tell you now because this is just crazy.

1:31:49She recently bought a car for her daughter, and she's going to call her and confront her that the daughter needs to pay her back for the car$2 ,000 right now. That's going to be an insane phone call. Okay, whatever. Car insurance, how much? Okay. $90 a month. Not bad. Okay, food,$300. It's just you, right? Yes. Meal plan, meal prep, you. Medical, healthcare. No, no, not medical health care. T.P. Fund. Anything else you need to survive? $150. You do a gym? No. Probably should for the thing you got going on. Medical health care. How much a month? Co-pays? Anything? Oh, for co-pays, probably about$200.

1:32:27Okay. You have any pets? Yes, the dog. How many? One. And health age? One and a half year old. Okay, get pet insurance. Good pet insurance. $50. How much for pet food? He's a big in, let's see. One bag of food,$75 a month. Subscriptions,$40. Anything else that needs to be in this budget that I'm forgetting that is mandatory to survive, not concerts? I cannot think of anything. Yeah, it's obviously going to... You need to get more detailed in the DollarWise budgeting app, but this gives us a baseline to plan next steps from here. Let's see if we can. Yeah, you make it by about$1 ,000. It shouldn't even be close to that tight, though.

1:33:08But you're lucky it is. $6 ,185.26 is what you need to survive with a very minimal budget. $985.59 left. No wiggle room. Okay. Debt, 388.022.80 minus the mortgage of 275.035.85 also minus the student loans, which, yeah, we were confused about those too. So I think we're killing off the$15 ,593 minus.

1:33:51Okay, minusing your student loans. It leaves us outstanding debt,$80 ,805. I'm going to just go through bankruptcy at your age. It doesn't matter. You already have a mortgage. But then you won't change your behavior and you'll be right back here again.

1:34:11It takes 81 months to pay off. Shit, six and a half years. Will you be around? Maybe not. Dude, if you really want to clean state, change your behavior for a couple months and go through bankruptcy. Ain't cheap, ain't stress-free, and you don't need stress right now, but this is a lot of stress alone. These payments must be catching up. You must be feeling the bleed. So if you can change your behavior and live on a budget within a few months, then I'll allow you to go through bankruptcy Pepsi. Without your car, you'll still owe on your car, so you'll have to pay that debt, but that will clear a lot of these monthly payments, which will make your life survivable.

1:34:46You already have a mortgage, so what do you need good credit for? We already have a car. It's a probably okay car, I'd assume, so what do you need good credit for? Stop borrowing money. Stop taking out debt. Live within your means. Budget. And if your behavior has changed before you do it, you'll live the rest of your life fine. This is insane. I don't know. Let's have this call at the daughter. That's what I would do. Let's get your hammered financial score. Spending in a budget. You overspend 0 out of 10. Debt. No collections. Behind on things. Plus 401k loan. Best I can do is a 1 out of 10.

1:35:18Emergency fund. I didn't see anything. 0 out of 10 retirement. Dramatically behind for your age. Plus 401k loan. I'll give 2 out of 10. Real estate. That's where you at least have an equity position and the rate is not horrendous. This is bad compared to where you came from. Real estate situation is not bad. Put a lot of money into the house, but even still with the equity position. I'm happy. You have a loan on it still technically. Eight out of 10. Unless there's something I'm missing with like being behind or something, but I don't think so. No. Okay, that's what's going to pull you up to a 2.5.

1:35:49It's not where you should be at 58. Out of 10, 56. Get yours at CalebHammer.com. Now join Hammer Elite by clicking that join button and you get three premium shows posted every single day, six days a week, including an extra 20 minutes of this show called the Financial Auto Post Show. So it's going to be a good one with this phone call, ladies and gentlemen. I'll see you there. We didn't talk about the fact that there's two coming up. One is dollars. The other one is dollars. What are you doing? And I had no idea it was that. Okay, go ahead and call her, I guess. Hammer Elite is the best YouTube membership on the platform.

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