$530,000 Of Taylor Swift Debt | Financial Audit

22:54Well, that doesn't matter anyway. You overspend by$3 ,000. So what are you talking about? It's been two months since I came into the role. Well, you're still overspending. What were you bringing home at that point? I mean, I was only making like$2 less than I'm making now an hour. So whatever that math is. Okay. I mean, it's decent, but make or break. I mean, you can still budget, but when you have an expensive mortgage on that, it doesn't really make sense. Now, I know you got the house and the divorce, but his name is still on the deed. I'm being told you use it as leverage. He's not on the deed.

23:23He's on the bank note. He's on the bank note. And I'm being told you use it as leverage. Leverage? Like in what way? Leverage like... I mean, you told Colton that it'll f*** his credit if things aren't paid. So if he's not giving money or doing certain things, you hold it over him. He has a financial interest in this because... Exactly, meaning you can hold it over his head as leverage when he doesn't do what you want. He does a lot for me and he does help me with the kids and I'm not looking to do that. Why did you tell Colton you specifically do that? Do what? I love when people change their tune on camera to look good.

23:55Yes, the perfect mother. I'm a great mother. Why would you tell the producer that? You do. And I change your tune on camera. His name is on the bank note. He does have interest in the house. I would not hold that over his head. You ever feel like the only thing AI is helping you with is showing you more ads for stuff you just Googled? Meanwhile, your business is just sitting there like, hey, maybe could I get some of that intelligence too? Every business is asking, how do we actually make AI work for us? And the wrong answer is just wait and see, because your competitors are not waiting. That is where NetSuite by Oracle comes in.

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25:08That is netsuite.com slash hammer. Let's get back to the episode. Of course not, which is why you definitely didn't tell the producers that you sometimes do. Mm-mm. No, I don't. Uh-huh. He's helping me a lot with my kids. A lot. He, like, I currently in the state that I'm in, I am not able to provide my half of the things that the kids are doing. And he's taking that hit right now for me. He's paying the full amount. What's the budget for the kids? When needs to go for the kids? When needs to be spent for the kids? Obviously groceries. Groceries. Obviously school supplies here and there. But what else outside of that?

25:48My son plays baseball. Okay, that's seasonal. It's seasonal. So it was like$120 for the season. What the f***? You make$6 ,000 a month. Even with a$3 ,000 mortgage, that does not make or break you, especially if you're splitting it 50-50. What is wrong with you? You're complaining about that? When they have like kids' birthday parties and things going on at school and their Halloween costumes. Do you know Halloween costumes are like$60 a pop? My kids are tiny. But even still, once a year, that can be budgeted into your money. These numbers are not make or break for you. They're not, but you're acting like they are, mostly because of some kind of lifestyle you're likely living for yourself, if we're being honest.

26:23And I think just for me personally, like I grew up— Oh, and you're making your ex pay for your daughter's birthday party because— Because I can't pay the half of it right now. Which, by the way, doubt. I mean, if you just cut back on the spending you're choosing to do for yourself, you could. But it's not—I wouldn't even say that it's all for me. It's really for—a lot of it is for my kids. I'm trying to give them the life that I didn't get to have growing up. Oh, f*** off. We'll go through that. Come on, you're getting selfish joy from that as well. Maybe slightly, but not - Absolutely. In the human psychology, 100 % when it comes to gifting, yes.

26:58The numbers are not the same. What I spend on myself is not nearly what I spend on my kids. Not even close. Not even close. Oh, we'll see. We got the numbers. Okay, they're in front of you. What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best? Like a two. If you want your financial score, take the assessment. It is free to take at calebhammer.com. You can see where you need to improve, where you're already doing okay. And if you don't want to be like a guest who ends up on the show, make sure you download the new and improved DollarWise budgeting app. Lots of features being added.

27:28It is absolutely incredible. The new reviews are showing just how amazing it is. DollarWise.app. And also, you know, sign up for the annual version if you want to save a lot of money after you take the free trial. And when you do, I will personally sign my budget-friendly cookbook, mail it directly to you, only available for the next couple months, and then it goes away forever. So make sure you take advantage of that now DollarWise.app Links in the description below So yeah, you know, something that Your kids might want Is a house First document, again Let's put it down You're talking about these priorities and life experiences That you didn't get to have that they want to have What about not losing a house I would never That's not your choice, 100 % If it comes down to living the lifestyle you live today It is not your choice if the bank takes it away.

28:18It's your choice to do the act. It would never get to that point. No, I don't believe you. It gets to that point constantly for people all across this country. It would never get to that point. And everyone thinks it will never happen to me for everything, car crashes, whatever, anything and everything. We all think it'll never happen to us. You are about to be three months behind. This makes no sense how you can just sit here and be like, that will not be me. How can you say that? It is... How can you say it? It is a really rough adjustment coming from not having seven months contributual income from a partner seven months that is everyone I talk to that is an astronomically high mortgage most people are not paying three grand a month it absolutely is you probably shouldn't have it in the divorce I don't know if I would have kept it in your income situation he didn't want it and I didn't want it yeah but maybe we sell it this that wasn't an option why because the realtor told us that we would have to bring a check to closing the house is only a year it was only a year old at the time but that check to closing still might be more reasonable than you losing than you losing a house and getting zero.

29:17Where was 50 or 60 grand going to come from? Well, 50 or 60 grand, I don't know, but I would have come to an agreement where, okay, if he's on the mortgage and we're not going to sell it, he has to at least provide maybe a fourth or a third to help subsidize. He doesn't have it. I don't have it. Well, then you guys shouldn't have got the house together. If you both don't have it together, then fuck you. This was a dumb decision and you will face the consequences for it. We could afford the house together. And that might be a foreclosure. Neither one of us can afford the house separate. You just said he doesn't have it.

29:41If he provides a fourth and you provide three fours, yeah. Oh, yeah. I guess that, yeah. Yeah. Yeah. I mean, you can't do this. No. I can do it. It's over 50 % of your income. I can do it. With discipline that I haven't done in seven months because it's an endless transition. I'm going to be 50 years old and say, guys, I'm just going through a transition period. No. Transition usually have an end. You're just in an endless metamorphosis. I'm ending it now. It's not. Okay. great. Oh, you're on the show. So now I'm going to say what's good. Hey, I'm ending it right now. Means nothing. You have no behavior that is led up to this.

30:19That would suggest you're going to leave it after this. I need to implement a rule because I swear everyone comes on, they do absolutely nothing. Then they say, I'm changing it today. It's perfect. There's no proof that I will do it or stick to it. I'm doing it right now. Like you can't just say that to get out of any kind of pushback about how you've been living your life even yesterday. But you have to admit that when you do have a partner your entire adult life. Oh, 100%. Who contributes? Like when you lose that income. Totally agree. It's been seven months. F*** off. Seven months is not a lot of time.

30:49Seven months is a lot of time. And especially when you have kids. Seven months is a lot of time to make seven individual budgets. You don't know how expensive kids are. I do. It is math. It is numbers. It's not math. It's not math? Okay, it's math. The numbers around kids are not math? You can't just label like, oh, it costs 10 grand a year for each kid. And like, whatever. I don't do that. I budget based on the household. Have you ever watched the show or are you just a moron? I know everyone that comes on the show watches the show. So you're either just a dumb sitting here trying to make an argument that doesn't exist.

31:18You're trying to fight an argument that I've never. So you're about to make a trade based on a friend's text. But which you do you listen to? Is it we could buy a house in Tulum? Get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at FINRA.org slash trade smart. For me. You've seen like three episodes of your show. I didn't even know really the show until my friend told me about it. Okay, you've seen three episodes. I think you've seen a decent amount of the show. Yeah.

31:59Doesn't change that much. Kids and what they cost fluctuates. Our numbers and fluctuates. And guess what? You put that in budgets. Yeah. You've had seven months to make seven budgets and adjust and get adapting. And your first two, your first three will not be perfect, but you get closer and closer and closer every single month. And you would be there except you just kept saying, oh, it's a transition. Things are changing. And then you did nothing. The relationship ended seven months, but the relationship is not the entire length of time that I've had to pay the mortgage back. My first mortgage payment wasn't due until July.

32:31We did a remodification. They told me in April what my new payment was going to be based on the modification they made. My first mortgage payment was due July. What was your mortgage payment before that? Before that was, it was like just shy of$3 ,400 a month. Okay, so it's less. And yeah, she's about to be behind three. That was what the mortgage payment was for both of us paying it. Oh, you f***ing creature. We didn't, the mortgage, FYI, was not paid for a whole year while we were going through the divorce. That argument goes against you though. The mortgage has been decreased, and yet you're still about to be three months behind.

33:08You're going to lose your house, your kid's house. I'm not going to lose my house. I know, but you haven't adapted. I'm doing it by myself. So when it was$3 ,400 a month. Guys, I'm doing it by myself. That's why I spent on miscellaneous bullsh** on$771. $700 is not a lot. On miscellaneous bullsh**. Miscellaneous, that could be like my kids needed Band-Aids. Like, that's not. Well, Band-Aids we wouldn't put in bullsh**. Well, okay, so when then what is miscellaneous? Well, obviously we're going to go through it, but miscellaneous bullshit usually means getting like a monster energy drink from a gas station or a video game.

33:40It's those random things that are not necessary. I'm not saying you did that. Obviously, we haven't gone through the purchases. Are you actually a f***er? The thing is, I'm saying those type of purchases equal miscellaneous bullshit. They're things that add nothing of value. And you spent borderline$800 on it. You spent close to$400 going out to eat, complaining and crying about having to pay the mortgage. You spent minimum$1 ,100 on bullsh** minimum. There's on large purchases that are unknown. We don't know what they are that we'll go through. $2 ,741. I bet a lot of that's bullsh** too. But at minimum, you spent$1 ,100 on bullsh** to cry about the mortgage and having to adapt.

34:20F**k you. You're irresponsible. You are a bad adult. I don't buy. Okay, great. I don't buy that. That was mostly just, like, useless. What? Whatever miscellaneous. Oh, f*** you. It's not mine. It was probably stuff I needed to buy for the kids. Need? Need? Do you know what the word need is? Yeah, I do. I know the difference between need and want. Bulls***. You wouldn't be here if you were. You make money. Even with 50 % going in the mortgage, you could budget the rest. F*** off. Off. The minimum monthly payment on here is$3 ,018.53. But yeah, we owe$9 ,297. Of course, there's fees and bullshit, stupidity and dumb assholes.

35:16You're about to give up a 2.5 % mortgage. This is ridiculous. I'm not going to give it up. I'm not losing the house. I'm not saying to. Well, but that's not your choice when the bank forecloses. It's not. It's not going to foreclose. How can you say that? They're not. What's the argument? I am paying it. It is getting paid. Objectively, no, but... On the paper that you see in front of you, yes, I have been... First of all, mortgage company, at least this mortgage company, I don't know if it's for every mortgage, but when you have a past due balance, they take what you are making in payments and put it in an isolated account and they don't apply that until the full past due balance is there.

35:57So what's reflecting on that? Bro, you're accumulating past due because you're never putting enough towards it. I don't want, I don't, fuck off. But I'm making payments and they're holding it in this like account. Well, not enough. And you're also saying, oh, I just get needs. That's why I got the dog. I'm about to be three months past due and then that payment becomes stacked and stacked and stacked higher. But that's not even showing the thousands of dollars that they're holding. Exactly, exactly. Exactly, because you're endlessly not putting enough aside so it keeps holding even more and more until it applies.

36:25That's, yeah. And you're getting delinquency notices. This is absolutely insane. Don't throw away what is the most important thing to have for your kids. One of the most important things. Utilities, food, education, and a roof. The utilities have never been turned off in my house. I'm not saying that. I'm saying it is in the same category as the absolute necessities. I know. I get that. And you're ruining that for a dog and$1 ,100 minimum on bullsh** last month. Irresponsible. Disgusting. But I still, I want to know what they are. I still, I don't get it. Because it doesn't. What the f*** off?

36:59Well, obviously we're going through as we go. But that is what the accountant who went through this, yes, an actual accountant now we have going on this, qualified.

37:10Good one. I don't know. Like, it's hard to say. I can't, like, form a defensive. if I don't even know what's included in miscellaneous. So what is up with the USAA visa signature card? That was a credit card that I opened when I was going through the divorce to help put down for the retainer fee. Oh, for the divorce? This is that new? And is this high? How much did you spend on legal? The whole divorce cost me about 15 grand. Oh, f***. My retainer alone was like$4 ,500 to retain. and then I needed to give her like another$4 ,500 to keep the case going. You're over the limit. You're over the limit by$300.

37:54There's no transactions on that. That is just like, it's just been accumulating from the interest. Yeah, but it's accumulating. However, if you make your minimum payments always on time, it will never be above the limit, no matter the interest. Never. Again, irresponsible, choosing$1 ,100 on bullsh**, spending$3 ,000 more than you make on a monthly basis. F*** off. Yo,$7 ,304.56. Minimum monthly payment. Yeah, past due. What is wrong with you? No shit's above the limit. No shit, it's above the limit. This is the first past due I've ever had on that card. Ever. I am never. This card specifically.

38:38This month, like this past month, like is because now it's gotten to the dire point of like not being able to make. This card. Not being able to make the minimum payments because now I'm having to force it all to the mortgage. So I'm letting it go. Yeah. Every card is past due. Yet we get a dog. What are we doing? Well, when I got the dog, I wasn't past due. I was making the payments. Minimum multi-payment normally is$355, which is insanity. But now, of course, you're past due. Fees are being charged$35,$159.22 of interest. What a disgusting life we're living right now. How long do you think this takes to pay off if you do minimum monthly payments only without any purchases?

39:23Probably at least 15 years. Okay, let's try 26.

39:2957. You'll be 57. You'll be two years away from being able to withdraw from your tax-advantaged retirement accounts penalty-free. That's where you are in life. And this card will finally be getting paid off. And that's actually if you make your minimum payments and you don't. So, ha, ha, ha. Good luck. I have until this past month. Guys, I have before, but right now I'm not. So it's okay that I have before. But if I'm not right now, it excuses it. What are you talking about? What are you talking about? This is hurting your children. Hurting your children. Everything you are doing right now is hurting your children.

39:59The choices you are making right now are hurting your children. Okay. Answer me a question. Answer me a question. Sure. Okay. $400 we at least know went out to eat. Okay. Let's get rid of the miscellaneous bullshit. $400 at least went out to eat. That is$50 more than what would be the minimum payment for this credit card. Why the f*** can you possibly justify going out to eat$400 and then missing this and accumulating fees and interest and putting your kids' lives behind? You're not going to have enough to retire. They didn't consensually come into this world. You chose to bring them into this world in one way or another.

40:30Even if it comes down to you just chose to f***. The thing is, they didn't consent to be here. However, when they are in their 30s, 40s, 50s When you are about to retire And you don't have any ability to Because Social Security is going to be dramatically less By the time we retire It'll still be there But it's going to be dramatically less However, they're going to have to put their life on hold Their aspirations, their goals Their hopeful down payment on a house Whatever they are trying to do They have to put on hold To make sure their mother doesn't become homeless Because you're choosing to go live right now $400 going out to eat Instead of making a$355 payment What justification could you possibly have?

41:09I mean, it's like... Disgusting. When you put it on paper like this and I'm able to see it more clearly, but like when I see the money in my account... You've had seven months to do that. You've had seven months to make your own individual budget. This is unexcusable. A month, I'll give you two months, maybe three months, I'm going to start punching you. Seven months, you're broken. It's not seven months because I didn't start having to do this really on my own until July. Fine. Two months. Two months. I've had it. Uh, borderline four, but f*** off. Come on, we're in month four of that. It's like, I don't want to hear it.

41:43Come on. Come on! July, August, September, October. Okay. Oh, yeah, use those fingers. They help you get there. Maybe you should have had the guy using them last time instead of popping out all these children you can't take care of. And I love that you have kids. You're just being horribly irresponsible with your... Well, apple doesn't fall far from the tree, I guess. It's the way I grew up. It's the way I grew up too. You know what I did with that? I took that and said I didn't want to repeat it. So I changed it. I'm trying. Objectively, no. Objectively, no. You spent$400 going out to eat instead of making your payment.

42:17This is the very first time I've had to do it by myself. You know that's even worse? You know that's even worse? If this is your very first time missing a payment, that means you're getting worse in life. And you chose for the very first time ever to go$400 out to eat instead of making a credit card payment. The fact that this is your first time is even worse because it means you're going down. Hit 31, early 30s, going down.

42:41Mm-hmm.

42:46Does this credit card have an annual fee? Did you do a credit card transfer on this? No. Then what you're saying does not line up. At$35,

43:00dollars? Wanna know a dirty little secret? And no, I'm not starting an only f***ing. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try it for free, plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back.

43:37Click below to get started. No, it does not. It absolutely f***ing does not. It absolutely f***ing does not in any way whatsoever, but you've had$280 of fees this year so far. Lady, that is eight missed payments. No, I have had no missed. I swear to you. That is impossible. I could pull up my Credit Karma right now and show you. I have not had a late payment on it. That would not show up on Credit Karma. A missed payment would. A late payment would not. Oh, f***. You don't know. Oh, f***. Oh, s***. We're on month 10 and she's missed eight. She's been late on eight. Oh, f***. Are you telling me you've missed?

44:14It's official as a miss on your credit report right now? No. No, the one right now where you're saying it's the very first ever? Yeah, that's on me. You're not only late, you're on mist. I didn't know you were a mist. I was just talking about late in a crowing feast. You're a mist. You're a mist. Oh, no. Oh, you're in a league of your own. People on the show don't even get the mist. They get the light. They don't get the f***ing mist. Oh, lady, what have you done? What have you f***ing done? Yeah, it's my first time. Oh, you have eight late feasts this year so far. Oh, that's insane. You've made your payment on time.

45:03Hold on. No, because this is last month and I'm not even seeing October. You've missed every month. Every month you've been late this year. Every month, even when you're with the guy for three months, you were late. Transitioning? No, you've always been a degenerate. You're just not good. You just can't pull up an app and push a button. You're broken. Unless it's ordering something for yourself or your kids, you can't do anything right. Oh, my. Girl, you've lost. Now, at the point of where the statement is, you've likely lost like close to$350 in fees alone this year. Oh, yeah. You're above the limit.

45:44Oh, no. Yeah. Oh, what have you done? You've thrown it all away. You've thrown it all away. You've thrown away life. I'm going to come back. Oh, what have you done? I'm going to come back. Yeah, you can keep telling yourself that. I am. I'm determined. Listen, I'm glad you have that want in you. You have missed every payment. You've been late on every payment this year so far. It wasn't reported to the credit agencies. Because you weren't missed. You were late. But now they are because you are now a missed. You have one missed and every month late and three months behind that mortgage. I'm going to be real.

46:20This is only two documents in, especially in a mother situation. This is objectively one of the worst financial situations I've ever seen a mother in on this show. And it is all your fault. You spend$400 going out to eat,$1 ,100 in bulls**t. Minimum, probably more. You've ruined it. You've thrown it away. This is disgusting. This is unacceptable. And you should be ashamed. You should be ashamed of that. If every payment we saw was 100 % of necessity and then you were late and missing, I wouldn't say that. But it is unacceptable and disgusting that you are going spending money on fun, even if it's fun for the kids, when you're this f***ing.

47:02Because this is going to destroy them. This is going to destroy the life. You're going to get foreclosure notices. I grew up in a house with foreclosure notices. We didn't get foreclosed on. They pushed beyond it. They fought. They f***ing fought. But you're about to put them through that very same situation. Even if it doesn't get to the final foreclosure, they are going to see the foreclosure notices. They might show up to school. You're not there. They see it on the thing. I will never let my kids go homeless. It's never going to happen. Not homeless, but they might see a foreclosure notice.

47:29And that is terrifying. You are going to ruin their childhood. I mean, I don't even... The only credit card I'll let you use is the Fizz card. It's a debit card that builds credit because you can't spend more than it's in your checking account. Obviously, you can't manage. So I don't even know if I want you to get it. It's good for most in the audience. But you're not a credit card person. You're not even close. You're not a debt person. You can't even do a mortgage, which is considered oftentimes a good debt, especially a 2.5 % interest. I just wouldn't even go near debt if I was you. You can't manage.

47:57You can't make payments. You don't know how to somehow. I don't know how you're that broken at 31. I've made payments. They're just all late. Not on all the cards. Just that one so far. Honestly, so far, because we've only looked at one. I don't even believe you because you were setting up this card. It's like this is the first month this has ever happened. No, you're late every month. You just officially had your first miss reported to your credit. This is insanity, and it's dramatically above the limit. This is disgusting, and yet you go out to eat. F*** you.

48:29$1 ,500 in interest. You've lost approximately, at this point,$2 ,000 on this card alone this year. $2 ,000. A third of your paycheck. A third of the hours you worked this month, last month, a third of the hours you worked went to just paying the extra things added to this card with no benefits yourself. Yeah, that's not great. Across all these together, I guarantee you it's about a month or two months of fees and interest that have been added that you've just worked for. Nothing going to yourself net. Just paying back money you've already spent. That's the kind of stuff that isn't really blatant and you don't think about.

49:06No, you don't think about anything you don't look at.

49:12Ashley. I've had an Ashley card. Well, that was when we bought the house. That's because I can actually leverage that in a decent way. You can't. There are literally fees being added. Why the f***? Possibly, possibly why? That was the account that we had opened when we bought the house back in April of 2023. We financed the furniture we bought on the house, and it went in my name because my name had the better credit. Finance some furniture to go along with it. Let's just finance everything. Let's finance our utilities at that point. Why not? Minimum to payment 119. That's just an added stack.

49:49Overall bounce,$2 ,307.55. 20 months to pay this off. That actually gets us to the end of the promotional period. I think. I think it should. So that's good. So I'm not freaking out about this card. What I am freaking about is, one, you've had a late fee this year. So clearly, who even knows that you'll actually pay this off by the time the promotional expiration date arrives. Somehow you've had an interest accrued this year. I don't know how. You must have purchased something. Makes no sense. I don't—the only things that have been on that are the furniture we bought when we first bought the house.

50:33Just straight up, I don't trust you. Like why would interest accrue on something that is a 0 % interest rate unless you went and purchased something else out of the promotional thing? I don't even know how I would do that at store credit. I don't know f***ing either, dude. I didn't buy anything from Ashley other than the first time. I don't know! But what is terrifying to me is, again, you've had a late fee, so who knows if you'll pay this off in time. And two, it's just an other minimum of the payments stacked on top of the endless minimum of the payments that make you have less money in your pocket at the end of the month to start making more progress on beating down these debts.

51:05And again, this is you kept the house. Now I'm assuming you're paying on this because the furniture is at the house. Why are you, how much is his income? He just got a new job. So he's, he got like a 30, 40 grand a year raise more than me. What hits? More than you? More than me. Okay, then why are you taking on all the uber expensive expenses? Because at the time of the divorce, we were making the same. So.

51:58Availability, amount of discounts and savings, and eligibility vary by state. And still, like, have him take the furniture. You get some shit from the Facebook Marketplace. I don't know. I don't want him to take the furniture if it's in my name. How can I rely that he's going to pay it? That's right. It's in your name. He's not on it? No, that's just me. So I might as well keep the furniture if it's in my name. I'm not going to give that to him. So I kind of got stuck with it. Again, on an objective level, this is not the worst debt in the world. It's not an appreciating asset by any means. but what it is is it's fully 0 % until it's paid off if you make your minimum payments on time.

52:33It's just not good for you because you don't. Well, this is literally the first month that I have any late fee, like have like not paid. No, no, no, no. One, it wasn't this month. It was earlier this year. Two, on the last credit card, it's been every month this year. Shut the f*** up. Okay, but it didn't hit my credit. Like liar or moron, I can't tell. But that still means I'm making the payment within the 30 days. I can't tell. Because it's not hitting the credit. Yes. Why is that okay to you though? Because you're accruing fees, making this take longer to pay off. It also means you're getting pushed to that edge of having to hit your credit of which last month it did on the last card.

53:11You're on that edge constantly. You're a professional edger. This is endless. I don't have good concept of the fees and interest. Of being an adult? No, you don't.

53:25So stupid. Yeah, because there is interest. Yeah, there it is. The interest that has accrued has been through purchases. There it is. It's literally right there. So at some point, you somehow figured out a way to spend this. It's done. It's on there. You look at it. It is impossible that it did not happen. You cannot tell me it did not happen. Even if you're confused, it doesn't matter. It doesn't matter. Huh? Nine cents of interest? No. You've had interest accrue this. No, no, no, no, no, no. yeah this last month but over all this year it's been I mean it's been$4 it's not huge but it shows that you're spending on this card and you don't even know you're spending on it I don't even have the card it's the indication it's the indication that you

54:10it's not a card it was a store credit account you're becoming impossible I have no idea like it is that is a card the Ashley Home Furniture card is it's a store card well it's not a card that's in my wallet doesn't matter it might be attached somewhere digitally you may have accidentally used it made of auto filled online You don't know clearly. And obviously I can't know either. Well, I don't know what that is. Yeah, obviously. No. Glad you got to the bottom of that. Kohl's. Great. Wonderful. What's going on with this? That was the Kohl's charge I had opened around Christmas time a few years ago.

54:46I like to use it for Christmas presents and shopping for the kids. It's also really good for kids clothes. And that's also really good for accruing interest in almost being at maxed out. Well, it wasn't even close to being maxed out until I was in the most recent relationship. Why do I care what it was previously if this is where it's at now? Why would I ever give a f*** about that? If you were doing incredible now, I also wouldn't care if you did horribly back in the day. I care about where you are. This isn't Reddit and TikTok that believes whatever someone did in 2015 is what they're doing today.

55:23I would say probably half of that balance was accrued probably in the past year. Why? Christmas. Okay. Doesn't matter. And the last relationship, he had three kids of his own and I was helping to pay a lot for them. Don't. That's stupid. You don't have money. is you're putting on a credit card that is a common interest that you cannot pay off. That takes 12 years to pay off if you don't make any purchases, which we know you're incapable of. And we know Christmas is coming on up. Oh, she's coming. Do not come. Oh, I'm going to come. We're an October lady. Yeah, Christmas is not going to be great.

56:06You don't have to do a big Christmas. You don't even have to do a little Christmas. You might have to say, hey, guys, we're f***ed. There is no Christmas. Let dad have Christmas because he's probably not fucked. That's what I've had to do. I've had to tell him, like, you have to take Christmas. Oh, shut the fuck up. You just accrued this from last Christmas. Liar. No, this Christmas coming up, I told him, you're going to have to take over Christmas. He said, okay. Good. He's going to take over Christmas for the kids. Because he's reasonable and responsible and acting like a good parent. Minimum monthly payment,$80.

56:35$57.13 of interest accruing. Balance,$2 ,260.09. cents. Had a late fee this year so far. Not this month, but it's been this year. You know nothing. You know nothing. You don't know what the f*** is ever going on. $500 in interest approximately this year so far created a 30.24 % interest rate of death. That's the highest one. Nope. Ashley is the highest one when you make purchases of which you're unaware of. Oh my God,$3 of whatever. No, you don't understand why that is scary. First of all, that's what's on there right now. That's not on there at the beginning of it because more than that has been accrued in interest.

57:17So one, you clearly just don't understand the concept of purchases and interest imbalances. Two, the terrifying part isn't the dollar amount. It is the fact that it got spent on there and you don't even know how. Fair. And your kids can no longer be an excuse for you putting things on credit. That just can't be. That's nasty. You're the one who swipes. You're the one that makes the final choice. You're the one that budgets. You're the one that tells your money where to go. You cannot use your kids. You want to give your kids things. I want you to give your kids things. You are choosing when and where and how and what.

57:53Stop using them as an excuse. It's disgusting. Oh, past due payment. Here it is. Quicksilver, what's going on, lady? That Quicksilver has been with me, I think, since college. So it's been around for a while. I think it's probably my longest open card. And just has thrown, you know, random things on it. And it's just stayed at the max. It's just stayed at the max since then? No. You're over the limit by$64.72. In my current position, yes. But in the past, I have made— That we've been in for minimum four months up to seven months. In the past, I've paid large payments. Oh, I see an IRS logo coming.

58:38What is happening? What is this episode? Continue. In the past, you've paid it down. Again, why do I care about the past? You don't. Why do I care that you've been successful in the past? You're not right now. That means nothing. That means nothing. Now there have been little charges that have added up that is matched. If you had a performance review, you know, your fifth year at a company, and they said this last year you've been an absolutely horrible employee, can you go in there and say, well, don't put me on a performance improvement plan. I was really good my first year. That's not how this works.

59:10That's not how this works. Okay. Listen, I'll give a shout of praise. Can we bring in Christian for a second? All right, Christian, come in. I'm going to slightly embarrass him. Come here. Come here. I'll do this. No, no, no. But it's going to turn out good in the end. Come on. You're going to be a good example. Well, you're just standing for like two seconds. So come on, Christian. He's the head of Hammer Elite, the membership. He runs that whole thing. Here's the thing. Listen, he's another example, except he's the opposite of you. It starts bad. It ends good. he when he first started it was wild he kind of abandoned his work and kind of left the Bolivia or something for a few months and he quiet quit by just stop uploading and didn't do anything and then he begged for well he did well he kind of begged for a job we didn't hire him we hired someone else then he begged for another job we didn't hire him we hired someone else then finally there was another job.

1:00:20We just couldn't find someone. We need someone. Okay, maybe we'll just give Christian a chance. And he started to load the bottom pole. I didn't trust him. And it took a long time to build that trust, but he was grinding. He was showing he really cared. He put in the time, the effort, the creativity, got to know him, understood kind of what happened before. And he really built up. And now he's running this whole department and he's doing a lot of good things. What he did in the past no longer matters because he is successful today. What he did when he first started was a mess, but he's not judged on that.

1:00:55You're only judged on the fact that you are above this credit limit right now, not that you weren't before. So stop bringing up this past thing. It doesn't matter. It doesn't matter. It doesn't matter what I did five years ago, 10 years ago. It matters what I did today. Same with him, same with you. This is what you are. And this is what an adult thinks about, not a child. Again, this isn't f***ing Reddit or TikTok, where they can't get over things that people did five, ten years ago. You seem to have that brain. All that matters is you're f***ing it now.

1:01:27Thank you, Christian. Bye-bye. Thanks, Christian. So, shocker, we have fees,$29 added. Interest,$39.94. Minimum of the payment,$150 now. Yeah, the minimum payments are getting a little out of hand right now, and that's why they're now becoming missed and late. Spent$1 ,100 on bulls**t this month. F*** you. $75 is likely the normal minimum. you owe$2 ,064.72, 12 years to pay off if you actually pay. And if you don't purchase, which I assume you do when there's actually room to purchase. There it is, past due. Is your only one this year on this card? Surprisingly, shocking, but almost$400 of interest accrued.

1:02:13And we're talking at least a whole month's paycheck at this point, interest and fees. You've worked an entire month this year just for the interest and fees, not including your mortgage. I've never seen the numbers put that way before. when it's put that way. Well, how do you look at the numbers? I look at what I have available to spend and then I spend it. But you have nothing available to spend. Oh, I'm aware of that now. With the way the minimum payments are and the fact that I've literally had to miss payments to pay mortgage, yeah, not great. Reprise financial, what even is this? That is a personal loan for the lawyer.

1:02:47Oh my, another thing for the damn lawyer. Yeah, it's expensive to get divorced. It is. Why was it so messy? Why couldn't you guys agree on anything? It took over a year. Because it took a shift last October where we had to refocus what we were doing. To, from? I don't really want to get into it, but it was just the lawyer had to put in more work to rework the divorce decree. Basically having to start from scratch. So I needed to give her basically two retainer fees of like$4 ,500 each.

1:03:29And the majority of it, as you could see, was not, you know, obviously money out of pocket. It was through personal loan and a credit card. $3 ,395.90 owed. Minimum through payment$112.10. It just stacks, man. It's just stacking. I can't figure out what the interest rate is. Do you know the interest rate? No. I don't know. Actually, well. I don't know. Total fees and charges, other charges. Is there an interest rate on that? I mean, maybe. Maybe it's interest free for a bit. I don't think that that one has an interest rate, if I'm being honest. For now. Highly doubted zero forever as a personal loan.

1:04:07That would be crazy. Everyone in the world would be taking it out for everything, for investing even. Unless it's specific for a legal group like they allowed you to finance through the legal group. No, I think that was one of the personal loans I got through Credit Karma. That's definitely not 0 % for long. I'll tell you that. Now, why the fuck is the IRS logo in front of me? I can explain that one. Well, okay. Correctly? Let's find out. So when me and my ex-husband were still married back in 2022 and 2023, he was working two jobs. He was not having enough taken out in taxes from the two jobs.

1:04:46I had enough taken out for my job. When we went to go file married joint, we owed a lot because he wasn't putting enough away in taxes from the two jobs. So for the year 2024, when we filed, he was going to owe, I think like together we were going to owe like 10 or 15 grand. Yeah. Welcome to taxes. You guys made money. You have to pay your share. He made a lot more than I did. And again, I was paying taxes properly on my portion of income. So I didn't want to be attached to all that and have to split that down the middle. It was cheaper for me to for us to file married separately. And then I wasn't able to claim two of the kids.

1:05:27I let him in order to make up some of his debt. And that's still what happened. If you're splitting it down the middle, no. Right. So the divorce decree says that we can because we have an even number of children and we can each claim two and two. So what's the issue? So from what I owed or what I would have owed, because we still had to file married separately, we were still legally married as of the last day of last year. We didn't finalize until this past January. So filing married separately, I owed my portion three grand. And I wasn't able to make up the difference for that because I let him claim all the children to offset his IRS costs.

1:06:06Why? Why would you do that? Because I was trying to be a nice person. I know, but that's, it's not even fair. Well. Is it? Well, because he was saying that we would just file Mary jointly, but then I didn't want to have to split the 15 grand that we were going to owe down the middle. Why would you have to split it and not him? Because that's what he was arguing with the divorce lawyer was that it would have to be split expenses. Like that's like split down the middle. Like what we owe. $3 ,000 is not as bad as splitting 15. So, okay. That was the only way. What? It's owed in approximately, well, in 10 days.

1:06:41I have to set up a payment plan with them. You have? I have to. Dude, you have 10 days until fees and interest start going insane. I had a payment plan set up with them. It fell through because it wasn't— Because the payments weren't going through because the money wasn't there. Oh, you—what the f— I mean, they can garnish— Well, all they have to do is garnish one of my paychecks and then never have to worry about it again. The money wasn't there yet. $1 ,100 on bull— This still doesn't make sense. I still haven't seen what this shit is. So questionable if it was necessary. Well, I haven't gotten to your spending yet.

1:07:11Obviously, it doesn't seem to be on the credit cards. Yes, I am fully admitting there is a spending problem. There always has been. As long as I've been able to have a dollar in my pocket, it's burned a hole. Then how can you say the IRS set up a payment plan but failed because there was no money there? That was your choice. You're right. The priority wasn't on them. Your taxes? Your priority was on McDonald's over taxes? My priority was my fear overcoming the fact of like, how am I going to tackle this? I've never been, I've never had any taxes owed to the IRS. I've never, you're right. And, but.

1:07:44Well, how does your fear not lead to action? If I'm afraid of something, I go crazy. I go. Because as you're realizing, it is accumulating to so much that I am like internally starting to shut down. Like it's, it's too much to heal. So you're going to let it happen even more, making the fear even greater to overcome? I'm having a hard time prioritizing what needs to go where first. I know that I have the income. I have the math. The math is going to math. It's not mathing right now because of where I've accumulated everything too. The minimum payments, the IRS debt I had to take on, the divorce money like between paying the lawyer, trying to get through my divorce, the loss of income for the first time ever in my life, everything is coming to a head and I don't know where to tackle it first.

1:08:27I have no idea where to start. No idea. That sounds so reasonable, but the answer is literally going out to eat and the other bullsh**. Like, what the f**k? Obviously, that's the first thing. Hi, Alyssa here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Webull. Do the same and transfer to my investing app of choice and you get cash bonuses of$200 all the way up to$30 ,000 depending on initial funding amounts and up to 8.1 % APY on your money and up to 3.5 matches for your IRA.

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1:10:31And you can't stop. And other thing is, if you say, I don't know where to start first, make a budget. And then you know. It's not complicated to make a budget. You get the budgeting course. You get all the good stuff. I mean. I have never, my entire life, I have never You keep saying that over and over again because it's true but that doesn't make sense for four or seven months whatever we want to call it you've had the opportunity to learn it it's not complicated nothing here is revolutionary and I have yet hundreds of thousands of people have improved their life in the show and my life has been absolutely chaotic over a hundred I should say it's my life everyone's life is chaotic in different ways it is incredibly harder as a single mom I'm like That's a brand new thing.

1:11:15It is a brand new thing. And you bet in bad debt before that. You're right. You're absolutely not denying that. So I'm not going to use that and cry with you on it. Like, shut the f*** up. The last card we talked about, you're like, it's been up and down ever since I got it in college. It's not single mom. No, it's not. So like, what is that? What does that cope? So the habits carry through. The habits carry through. And then I have never got to grieve my divorce and grieve the last relationship. No, because I distracted myself with a new relationship. No one died. Who chose to divorce? I did.

1:11:52Then I'm sorry. I'm going to tell you to shut the f*** up. It's still a loss. We had a whole life together. Yeah, you guys split 50-50 and including custody, which means you guys see each other and you guys are near each other. Everyday life was disrupted. And you're the one who chose to kill it. Yeah. And you're the one who chose to do it. I don't know. It's hard for me to have sympathy on that. If you're not the one who chose, I get it. I've never been married and gone through a divorce and had kids, and you can't really say, can you? No, but you're still the one to do it, and I've chosen to break up with people.

1:12:18It's not the same, but it was still your choice. And when you literally are married and have children and have those intimate moments in life. That you chose to do. I did choose to do them. And that you chose to stop. That doesn't mean that it doesn't hurt when it ends. Have the chance to grieve. Okay, fine. You get a chance to grieve. Why does that mean you completely f*** your life while you're a chance to grieve? Seven months since the divorce. Because I'm learning. A year and seven months since you decided to divorce. I'm learning how to take. A year and seven months. time in my life to...

1:12:43Oh, here we go. Okay. And it's the truth. I have never had to manage a household independently. Never in my adult life. Guess what? It doesn't matter. If you were just a single, whatever person, no kids, fine. You get that choice. You have kids. You don't get that choice. You don't get that choice. You're right. And I... It's not an option. So I don't give a... In my entire life, I have relied far too heavily on my financial partners that have contributed. It's true though. I have always had someone to back me up. I will be the first to admit, I was not a responsible financial partner. You are not a responsible person.

1:13:20I'm not responsibly financially. Yes, no, you're right. Snap Finance? Why do you have Snap? Isn't this usually tools? What's Snap? Snap Finance. That one is, that's my car repairs. I had to have my car repaired this summer. and I'm sorry, but like four kids have to get around places. Like I had to do something about it. Oh my gosh, you just bring everything back to kids. It is a kid. Like you need a car regardless. It has nothing to do with the fact that you have a kid. Like I get it. Shut the f*** up. You can also Uber with kids. I'm not saying do that. I'm not making that argument. But the thing is, every time there's anything, you fall back on.

1:13:54I'm kids, my kids, my kids. Like shut the f*** up. People do things. People have kids. You're not a crazy, unique person. You're right. People have kids. Yes, I know. Like, shut up with it. It's obnoxious. $1 ,660.24. Minimum monthly payment,$85.43. Bi-weekly. Oh. They take that every check. And when I had to have the repairs done on the car, I was under the impression that I would be able to pay it before the 100 days was up, and now there's, like, not an interest rate on it, but they're charging me two grand basically to like, to have it. What was the repair you needed? I had a giant hole in my canister underneath my car that needed to all be fixed.

1:14:47What car do you have? 2022 Chevy Traverse. Okay. Fortiva. Yeah. What the f*** even is? It just looks like another credit card. Fortiva was the company that financed my Vivint equipment for the home security system for the house that we got when we first moved in in April of 2023. I was left unattended with the salesperson that came to my door. And I signed up for... Oh, you have no responsibility or ability to think for two seconds. My husband at the time was out with my son and they came to the door and I was like, yeah, we need home security. That sounds great. And I signed us up for it. What is wrong with you?

1:15:25And now interest and fees are accruing. Balance$1 ,990.10. minimum payment$98.75 yeah they gave me a credit card yeah they did and they made a sh** ton of money off of you well done on that basically maxed out so it's almost like it just happened nope nope you were above the limit literally last month kill me now yep late payment who would have thought $41 fee $32.75 interest oh You've had three late fees this year. But none have hit my credit. Doesn't matter. It's more money you owe, you dumb. I've never. Thousands in interest and fees. I have never paid attention to that. Why? Like, I guess just ignorance.

1:16:19Like, I just don't. Ignorance? Yeah. In what way? Well, ignorance of like. You didn't even know it to look? I mean, I know that there's interest being added to it. I know that there's fees, but I'm not looking. That's more willful. Yeah. Yeah. It's neglect. Which is your responsibility. That's not ignorance. I can relatively excuse ignorance and call it out and yell at it, but just willful neglect is you. You're just bad. You should never be someone who's around debt. I'll get you a course career certification. Counting. Take an accounting thing. You don't need it for your career, but you need to learn accounting for your life.

1:16:56You need to look at documentation. Usually people get that in the audience and then they get a higher paying job, but you just need to be able to look at your damn accounts. Yeah. And again, with these fees and everything, if I got you on the Webull app, it's the app I use for individual investing. Okay, if I got you on that with the signup bonuses and everything that we have, you know, link in the description below, all that good stuff, it's hundreds of dollars. Even that alone is nothing compared to you just sitting here taking late fees, thousands of them, thousands of dollars of them, upward of the$10 ,000 of interest.

1:17:29Like it's insanity. None of the best benefits you get out there through sign-up rewards or investing in the market, you're losing to everything because you're completely f***ed with your decisions. Is that all your debt? No, this is a personal loan. No, that's my car. That's my car loan. You said it's a 2022 Chevy Traverse? Yes. $26 ,708.74. What the f***? And what's the interest rate on this? 6.25. It's not. It's good. I know it's. It's in that middle ground of like, is it bad? Is it good? It's not good. With the car. So this, and my ex-husband will tell you, and I think he stands by this to this day.

1:18:13This was the worst financial decision I had ever made. What do you think it's worth? It's worth about 20. So I know I'm about six grand underwater. Just about. What's your minimum payment on this guy? 518. Oh, they're stacking. That's a long term too then. It is long. It was like 72, I think. For f***'s sake, you're going to have this forever. I mean, I anticipated it. I will never buy a new car ever again though. I hope so. We'll see. Who knows what guy you'll get in your life next that convinces you to. Nah. I don't think a guy could do that. Anyway, so me and the ex-husband And almost went through divorce back in 2022 when I purchased this car.

1:18:56And this was kind of like my, can you, I'm going to go get the car that I want. Oh, what a good wife. What a good partner. What a good spouse. What a good mother. I mean, we were like drawing up divorce papers. Like it was that far gone. And I was like, well, then I'm going to go get the car I want. Why were you almost getting divorced then? Same reason we got divorced now. What was the same reason? It was just, we didn't, we didn't get along. Oh yeah. Tragic that you got divorced then. Well, we got pregnant very early on in our relationship. So we tried to do what we thought was best and just stay together for the kids.

1:19:25And obviously that didn't play out. And then kept having more. Yeah. We did that pretty well. You're good at one thing. Taking dick. Anyway. So my friend, my coworker, her boyfriend was a car salesman. And I was promised to have a great deal. and they added about 10 grand worth of stuff on top of the car that I had to later get off, including additional like bumper to bumper warranty. They tinted my windows, like things that I just wasn't like, didn't read the fine print about. And I overpaid by, yeah, about 10 grand on that car. And so originally - Oh, the interest isn't great. The loan that I had through the dealership, my car payment was like$800 or$900.

1:20:17$1 ,500 in interest this year so far. And then I had another coworker who recommended I go through the credit union to get my payment lower. Student loans for nursing? Yeah. Student loans, yep. Student loans to be a caddy.

1:20:33Do they teach that in nursing school? To be caddy? Yeah, to be a drama queen. You learn it on the job. Mm-hmm. $34 ,893. I feel like I haven't had student loans in a while. I feel like everyone's been non-student loans these days. It's interesting to see, especially the federal. Oh, why is it in forbearance right now? Oh, you were in PSFL or something. Well, so no, they put me on, like because of the flooding we had in the area, there was some sort of like deferment that they automatically gave me. Flooding we had? Back in July, the flooding, the floods. You remember the great floods, right? Yeah, the great floods that affected far, far west.

1:21:14Well, they said I was within the area, and so I took the forbearance.

1:21:25Well, interest is accruing while you don't have to pay. So well done on that. Top one being a 6.54, of which I would pay off quicker than minimum even would suggest. you have these going through 2049 as the estimated payoff. Yep. School's expensive. What was your minimum monthly payment? Like 234. Yeah, sounds about right. No, you're lower. And then they, we did like the save plan. Ah, that's probably why you're actually like, listen, you'll start facing punishments next year. Next year, next summer, like nine months from now, eight months, just about. When it came out of the... But you can get on the RAP plan, the repayment assistance payment.

1:22:08I saw that, yeah. That is the new Trump administration's plan. For you and your income, I could see you doing about, I could see your payment being about$150. That's not bad. Because with the save right now, what they put me at was like$133, I think. Yeah. So it would be pretty similar. It's just because you don't have a bad income by any means. Yeah. Okay. Well. Okay. Pansy bank. Okay. Is that the end of your death then? No, this is a due date. No, what is this? Your pass due on what? What is this? That's a private student loan. Your pass due on your private student loans. Really? Really? A$62 10 cent payment?

1:22:46Really? $400 going out to eat and you pass due on this? Why? Just why? Well, because when it was due, the money wasn't there. And when I wanted to go out to eat, the money was there. Oh, what a disgusting. What a disgusting. I just, I'm losing sympathy with anyone who says they can't afford to live in this country anymore. I really am. Knowing that even by all standards, disposable income after all necessary expenses to live, which is typically what disposable income is and like it's true in sense, the poorest states in the United States have more than the average median person in the entire United Kingdom.

1:23:25We do so well here. Even the poorest among us. I am losing sympathy. Look at you. You make money and you squander it. You f*** it all. And then you say, I can't pay my bills. Yes, you can. You're a f*** degenerate. What a joke. 62 is your normal minimum monthly payment. Of course, you have double right now. 62, 10. I don't know what the overall balance is. What is it? Can you tell me? Like 3 ,400? That's 3 ,785. That's not even that crazy when it comes to student loans. Interest rate is 8%, so that's not good, so I'd f***ing tackle this. Late fees, late fees, late fees, late fees. Oh, good,$7 in our checking account.

1:24:08Literally$8 ,553 came in, and there's only$7. 79 cents left. What a joke. Started with two. Started with$2!

1:24:23Amazon Prime. Zelle out at$115, Venue out at$150. Amazon Prime going in and getting some bulls. Hey, when you stop in the store and you only get like a few dollars of things, what is it? Like? Because it's never groceries in America. We don't do that way. We go, we bulk spend, and then we take it home in our nice big old pickup trucks. That's freedom. We don't do the European walk to the grocery store, get what we need for the day. Model. So what the f*** are you getting? If it's at HEB, it's probably like a gallon of milk. Well, if it's, I don't know. I think I spent like$11 on like Band-Aids and first aid stuff my kid needed.

1:24:58I'm having a hard time believing and trusting you. based on everything you have done in this conversation so far, not even knowing you had late fees and stuff. Smart Hub,$127. Winning, got some bulls**t. $10.18 from Target,$0.83. I highly, and then another Target,$12.95. I doubt you're just endlessly going in and getting only necessities. Apple Cash sent out,$14.04. Listen, you're probably not an energy drink person, are you? No. Okay, that's what most people stop in and get. and honestly, again, just like making your coffee at home instead of getting Starbucks, get the f***ing Gamer Subs. You can take one of those free samples right there.

1:25:36You guys can get free samples. Link in the description below. Type in code HAMMER or get 10 % off when you purchase the Gamer Subs flavor of your choice. It's 25 cents a serving. It's like making your coffee at home instead of going to Starbucks, which you should be doing instead. So that's what I would say. Good. You're making your coffee good and make your energy drinks at home too. Why not? It's so easy and it's so cheap. Movie theater. Zon out 20. Movie theater. Amazon. When you got some bullsh**. Or it's a restaurant. I can't tell. Better than me on a hundred bucks. ATM with John. 103. Seven Oaks Coffee.

1:26:10Taylor Swift Shop. You. It was all necessities, guys. PayPal out 950. Fan fix. Fan fix? I think that's like a... Good material? No, like a subscription on Amazon for something. Mmm.

1:26:29Crunchyroll? Spotify. Zellin out 30. Winnie got some bullsh**. Zellin out 60. Austin Airport. Zellin out 20. Etsy. DoorDash and Wendy's. We're DoorDashing, but we're not paying our mortgage. Die. Amazon. I am not DoorDashing anything, actually. Okay. DoorDash and Wendy's. Why is that on your checking account? Tit? That was when I was back home for my friend's wedding. Oh, that's when I DoorDash Wendy's, even though I... Whatever. DoorDash Wendy's. The one time I DoorDash. Oh, my God. Hey. I was home for my friend's wedding. Hey. You didn't pay your mortgage. I don't give a f***. You didn't pay your credit cards.

1:27:01I don't give a f***. Winning's got some bulls***. Amazon. Venom in on 175. Cooper's gift. Amazon. Amazon. Pull up that Amazon, by the way. We're about to go through it. Apple bill. Got some bulls***. Winning the Buc-ee's and got some bulls***. Care.com. Recurring purchase. That was a one-time membership. I had to find a babysitter. Well, my mom normally watches the kids. Okay. Winning got some bulls***. Rose is c***. Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only. Prices and participation may vary.

1:27:39Prices may be higher in Hawaii, Alaska, and California and for delivery. Cafe, went and got some bullsh**. Amazon, taking the toll roads. You do not have to. I know where you live, you don't have to. It just takes a little longer. It's okay. You should not be paying for tolls. You should not be paying for tolls. I'm going to have to go pick up my kid by daycare before they close at 6. I get the toll road. If you can't pay your mortgage, no tolls. No tolls. Bulls. Bulls. What do you want to see on my... Your order page. Academy Sports. Winnie got some bulls. Bulls. Scooters Coffee. Amazon. Lucky Rabbit.

1:28:15Academy Sports. Bulls. At Academy Sports. Georgetown Youth. Yeah, but you went and got a drink or a soda or whatever. Zelenar, 150 bucks. and there's the animal Venmoing out 240 and Venmoing out 80. Are all the Venmos going to the X? No. All the Zells? Where are they all going? The Venmos are going, they were going to the babysitter and then helping my mom and my brother financially. Screen recording, blacking out all private information. We got a book for the kids. Don't need that. Shirt, shirts. Don't need that. Cute fluffy toy. Don't need that. Keychain, baseball ID badge holder. Don't need that.

1:28:53Aesthetic Rainbow ID badge holder. Don't need that. Another one. Don't need it. Bluetooth mouse. Maybe. I don't think it's 100 % unnecessary. Heights adjustable rectangular computer monitor thing. Don't 100 % need that in order to survive. Coloring pencils. Don't need it. Giant Rainbow 5 balloon number 5. Don't need it. 18 star balloon. Don't need it. Pixel cube foil balloons from Minecraft. Don't need it. 48 piece cupcake thing. Don't need it. Stickers. Don't need it. Minecraft creepers. Don't need it. Minecraft stuff. Don't need it. a five balloon, more balloons, more balloons, more cupcakes, more suckers, more squishy toys.

1:29:27My twins had their fifth birthday party. Yeah, I don't give a f***. You can't pay your mortgage. Socks, baseball socks, I will accept that one for the kid. Because I would rather them do that and enriching things than get balloons. They had to have a birthday party. It is so much cheaper to buy balloons. You did not need to do balloons. Yeah, but look at how much you spent on all this. All stacked up. Goodie bags, balloons, cupcake toppers. That shit all cost money. I agree. You're not paying your mortgage. The roof over their head is literally the most important besides food. Sandwich cutter?

1:29:58F*** you. They have to bring their lunch. Shut the f*** up. You don't need a sandwich cutter. You have a knife. You dumb cunt. I don't care. You have a knife. Cat ear headbands. For the birthday party. I don't care. You can't pay your mortgage. Leash? Okay. Shouldn't have got the dog. Collar? Okay. Shouldn't have got the dog. Balloons? Balloons? Endless balloons? Endless stickers? Endless Minecraft? Endless bullshit? It's all b***h. nothing in here is a necessity. I will accept the baseball shoes. That is it. And the collar and leash because you at least need them, but you shouldn't have got the dog.

1:30:27Bullshit, bullshit, bullshit. Went inside, got some bullshit. Went inside, got some bullshit. Got Starbucks, McDonald's. Now, went inside, got some bullshit. Sling TV. What the f***? Who even gets that? Went inside, got some bullshit. McDonald's. Went inside, got some bullshit. Went inside, got some bullshit. YouTube. Google YouTube Prime Time. I don't even know what that is. That's Crunchyroll. Went inside, got some bullshit. Went inside, got some bullshit. You're always getting drinks, snacks at the baseball park with the kids. Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit.

1:30:57All going inside, getting some bullshit and getting some drinks and snackies at this park. Pack your shit. I don't give a fuck. Yeah, look at it. Look at it. Uh-huh. You're damn right. Minimum$1 ,100. It is likely more closer to$1 ,500. $1 ,600 in bullshit event. I don't want to fucking hear it. Ending balance in this,$3. Oh, good. Zellen at$145. Ending balance,$3. $1.96. Ridiculous. Retirement at 31. Yeah, her kids are going to have to deposit her life and take care of her. $1 ,718. Wonderful. That's her rollover IRA. So pass the 401k. Oh, and that's her retirement. Oh, my gosh. What a joke. Fanfic.

1:31:37Yeah, isn't it a fan fiction website where they write smutty fan service stories? That's definitely not what I'm paying for. It's a subscription. I don't know which one it is. You sure? or the seven-year-old's not becoming a little gooner? No. Oh, my God. Okay. I have, yeah, no. Wait, isn't, how much was it? I don't know. I don't have it in front of me anymore. That might be the cost of Amazon Prime. No, no, it's fanfic, dude. I don't know. It would say Prime. Okay, income,$6 ,000. Okay, mortgage is typically, if you're responsible, which are not,$3 ,018.53. Debt minimum of the payments outside of the mortgage is$1 ,570.81.

1:32:26Gas, electric, internet, all those utilities combined, how much? Average month. 130, 150. It's just average, come on. I mean, like probably 400. Okay. Gas, vroom, vroom, drive, drive.

1:32:48Including insurance? Gas. Oh, gas. Sorry. Like$150? Car insurance? $250. Phone bill? $144, and that's rolled in with my internet. It's bundled. Oh, okay. So I should take away from the utilities? No, that's including. Okay. If you ever want to separate it to helium, it's great in Austin because T-Mobile is great here. Same towers. $15 a month. $700 for food. I think I could actually go a little lower because you split half time. No,$700 is good because you split 50-50. I don't come anywhere close to spending that. Well, no, you don't. I don't give a f*** what you do. You're meal prepping. You're using the cookbook.

1:33:30You're using the budget sheet that we give you, the education. You're meal prepping. You're cooking a few times a week. I don't care if they love the food. You're meal prep, meal prep, meal prep. A few times a week, warm things up, overnight foods. It's a lot of things like that. You're only getting them 50 % of the time, so I don't give a f***. TP fund, anything else you need to survive? This includes you, your kids, and sports funds. I will try to do 250. It's toothpaste, all that good stuff. It goes to new socks, all that goody, goody, goody, goody. Medical healthcare, any co-pays on a monthly basis?

1:33:56Maybe like 60 bucks. Is there a gym? There is. How much? $36. $50 for pet insurance. Make sure you get it. No, I don't have pet insurance. I know you will now because no way you can afford to keep this dog alive, which is why it's irresponsible for you to have gotten the dog. $50 pet insurance. How much for pet food? Like 21 bucks a month. Subscriptions, I'll try to do 35 bucks. A lot of my subscriptions are also rolled into my internet. A lot of your subscriptions will be canceled as well. Anything else that needs to be in your budget that I have not taken into account? No. These are the necessities.

1:34:33These are the, you're living down in the dirt while you are trying to paint off that and get above water. That's what this is. This isn't your budget for the rest of your life, nor would I ever want it to be, okay? This is a sacrifice budget. This is a temporary budget. This is a f*** you, you need to do it budget. I don't know if you have a choice. You really don't because you're over by$685.34. So I have good news. the good news is on the weeks that you don't have the kids you are doing Uber Eats and DoorDash or you're doing you're picking up extra nursing shifts on the weeks that you don't have them even if you do have them I would love to see you do it if you can make an extra $2 ,000 a month easy easy?

1:35:29okay well I'll take your word for it well yeah there's I mean nurses are always in need I know but you have four kids Yeah, but I have help. My mom helps me a lot with a lot. Well, if that's the case, can you make$30 ,000 extra a month? How much? $3 ,000 extra. That's pushing it. Okay, call it$2 ,000. It gives you an extra$1 ,300, we'll call it. Listen, the debt outside of the mortgage, $86 ,378.45 a bad debt,$1 ,300. You can pay off debt in 66 months. Yeah, I mean, you can pay debt off in about five years. Your income will scale. It'll increase. but it's five years to sacrifice and really working your ass off but it's worth it because again a kid won't even be graduating or one kid will be close to graduating high school and you'll finally be independent and they won't have to take care of you and the rest of the kids are going to live a great childhood it's a temporary sacrifice and it's totally worth it then you get a fully funded emergency fund and then you're living 50, 25, 25 50 % of our needs, 25 % of fun 25 % to investing your income should catch up and you'll make more money to where that mortgage should be closer to less than 50 % And your needs, you'll keep tight so you can have fun.

1:36:36But if you need to stretch your needs to about 55%, you then do 20 % for fun. You do not take away from investing because you need to catch up on investing. So that's what you're doing from here. That's it. It's going to be a five-year process call at six after you have the emergency fund, then 50-25-25 or 55-20-25. Let's get this Hammer Financial Score and then we'll jump into the post show. Hammer Financial Score. Spending. and, ooh, sounds like we might be calling the ex-husband in the post show because apparently he's coming in and always bailing her out. Okay, we're going to call the ex-husband in the post show.

1:37:10Let's get the hammer financial score. Okay, spending your budget, overspent, zero out of 10. Debt, you have IRS debt, zero out of 10. Emergency fund, nothing in savings, zero out of 10. Retirement, barely started, one out of 10 for your age. Real estate is the only thing you have to your name. However, it's too high of a minimum payment for your income. And if you sold it today, you'd lose money. So it's not that great, but at least you're in the market and you can ride at some point that gives you some credit, but four out of 10 there. Actually, I'll give it a five out of 10 because the interest rate is incredible.

1:37:36It's going to be a Hammer Financial Score, one out of 10. Click that join button or use the link in the description below, guys. Join Hammer Elite, three premium shows posted every single day, Monday through Friday, including an extra 20 minutes of this episode, which is called the Financial Out of Post Show. And I'll see you there where we call the ex-husband and confront her. I'm with your ex-wife. How much debt outside of the mortgage do you think Taylor has? $40 ,000? $85 ,000. I can take the house from it. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it.

1:38:09Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.