$60,000+ For New Boobs | Financial Audit

23:50Stellar condition. No issues whatsoever is valued at$12 ,000. You can get a$10 ,000 car. All right, well, then sell it to me. No, I gave it to my brother. Okay. Yeah, I like him more. Who would have thought? Okay. Well, he sounds lovely. But anyway, couldn't get approved for the car. I don't even know what the interest rate would have been because we didn't get that far in the paperwork. So I'm going to try to do it again. But the reason that they - 12 to 20, by the way. You're borderline subprime. You're a subprime borrower. Yes, I know. I knew it was going to be risky. I didn't even really want to do it because I didn't want all the hits on my credit even further.

24:22But the reason they said is because I spent too much money the month before with all the deposits and everything. And I'm like, well, yeah, I just moved. and so I'm going to try to do that again this month maybe next month because I just moved again but I didn't pay nearly as much you are subprime no you're subprime yeah listen with them being the only one that accepted you this is going to be a predatory rate and they wanted that term to be as long as possible so they could just accrue that interest but if I can get a even if it's a long term isn't that better than not having a car at all at 20 % no you probably save more money on Uber and saving up as much money as possible putting $5 ,000 on a$10 ,000 car and then aggressively paying off the second thousand.

25:00Listen, and you'll probably get a used car. You're sitting at right around now what we're seeing with Vantage score in the first quarter of this year. You're likely at a 19 % interest rate. That's what we're seeing on average for someone with your credit score. 19 %! That is double the returns you get on average in the market all up years and down years combined. I'm going to let you know, summarize what that means. Okay. That is... Then you almost did that at$20 ,000? Okay, maybe that wouldn't have been a good call. But I still think it would be better than having an Uber. How? Make that make sense to me.

25:36Well, first of all, like, if I don't have enough money, like, if I get paid every week, and then if I don't have any money to Uber, then I need a car to get to work. But you're able to make it work right now. How far away are you from work? It's like 12 minutes. Maybe like... Bike! Okay, down 35? Hell no. No, but I've seen people bike through the neighborhoods. Come on, you can. But then I don't want to bike up at night. So you're likely at a 64-ish month loan. You're probably at like a five to six year loan. You're going to be paying a total of$32 ,000 on this 20 ,000 hour car. It's horrible.

26:11Are you, by the time you save up$5 ,000, spending$12 ,000 on Uber? I doubt it. That is the math difference that we are doing. Okay, I appreciate the mansplination, but like I understand. That's not mansplaining, that's mathsplaining, you dumb. Okay, well, I was trying to make a decision and you don't like it. That's fine. I don't like it. Matt doesn't like it. Who gives a f*** about me? Matt doesn't like it. What's your average Uber cost to and from work? One way is like$12 or$13. So it's like$25 a day, five times a week. Uh-huh. So that is$480 a month. 480 trips. 480. Oh, per year? And you work how many days a year?

27:00How many days a week? Sorry. Five. Okay. So that's 96 weeks. But that's not also, that's not the only place I have to go. That is two years worth of Uber trips. I know, but also the boyfriend steps in. So I know you don't Uber to and from work every single time. Because the boyfriend also steps in. That's probably about three years of work trips. I guarantee you with your income and your overhead, we can get to$5 ,000 saved up well before then. well before then. And I'm sure we can prove that in the end. Okay. That is the math difference. Not mansplaining. Well, I also, like, A, he's not able to take me as much anymore because he just started a second job.

27:36And I also don't want to rely on - As much still is. It's not relying - I don't want to rely on another person. Hey, I have a girlfriend. She's not relying on me. I like to help her out. She likes to help me out. I'm not relying on her. That's not relying. What is this? You're not milking someone. Just because you got mommy milkers This doesn't mean you're always milking someone. That's how I got the boyfriend. Some of them like them fake. Some of them like them fake. And you're lucky they can't repo those. It's the one thing they can't take from my house. Just cut them out of me. That's why I stopped making the payments.

28:07What are you going to do? Can you pull up your Uber app? All right. What do you want to see? I don't really use Uber that much. Here we go. It must be nice. It is nice. Absolutely. Bought my car in cash. Saved up for it. I was an adult. Thank you. What's it like to be God's favorite? Good. Good time. Yeah. There's also some discipline in there.

28:31That's how I got my Jeep before I made any YouTube money, which was much more expensive than, I think it was like$25 ,000,$26 ,000,$27 ,000 a few years to go. Listen, I made some bad financial decisions when it came to credit cards and cars. Speaking of which, the most recent thing on here is seven items being Uber eaten to her house from Taco Bell. Yeah. Yeah, f*** you. I was hungry. That's a bad financial decision right now. I knew you were going to pull that up and see that and you were going to rip me a new one for that. Well, no. I was hungry and I can't drive to Taco Bell. Huh, if only you had a kitchen.

29:05Yeah, but I just moved. I don't have any food in there. You should have stopped at H-E-B on the way. I got off work late last night. Body. H-E-B was close. This is so stupid. When did you move? Sunday. F*** you. That was, what, five days ago, four days ago? There's more days in between then than just last night. F*** you. This is excuses. With you, you are an endless I can't, I can't, I can't, I can't. And you can be on Financial Auto by going to calebhammer.com slash apply. Come be on the show. It's a blast. It is. It is a good time. The Uber trips to work are a lot less than you're suggesting, by the way.

29:40They're averaging about$10, so that even changes the math more. Lots of Taco Bell being Uber-eated constantly. While I'm on here, let's see. While you're a Redditor. This makes sense with your personality. I used Reddit the least out of all social media. Oh, my God. Let's see. What is she doing? It's a lot of the Austin Beer scene. Not surprised. see her subscriptions. AppleCare +, Apple Music, iCloud +, and Peacock? Peacock? Love Island is on there. Love Island's done. Love Island's been done. I know, but there's other good stuff on there, too. Okay, there it is. I like a lot of trash. See my Hulu subscription.

30:22Buddy, there's trash TV everywhere. You're on one right now. Come on. It's a dream come true. Okay, let's get into these finances. But before we get into the finances, I want to hear what you think your financial score would be. All of your finances, worst to best, zero being the worst, 10 being the best. Where do you think you stand? Three. You have collections. Yeah. If you want your hammer finance. But I'm paying on them and my income's not bad. Okay, two. What do you think it is? Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is.

31:04We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to DollarWise.com.

31:42Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. DollarWise.com. Let's f*** go. If you want your hammer financial score, it is free. Take the assessment. See where you're standing in the world of finance to see where you can improve. see where you're failing. Go to CalebHammer.com. Take it. Take the score and take the quiz. And if you don't want to be lucky, guess who ends up on this show? One, don't get fake boobs. Two, download the DollarWise budgeting app. Sign up for the free trial.

32:14If you like it, sign up for the annual version. Save a lot of money. Get the budget-friendly cookbook. Signed by mail directly to you. And if you want to also bundle it with all of our education all in one, the premium thing you could ever possibly do to change your life like over 50 ,000 people have done, DollarWise Central, 80 % Sign off now and go to dollarwise.com. All right. But get the fake boobs. It's worth it. They can't repo them. Who likes fake boobs? I'm sorry. Me. A lot of people. There you go. It just, it doesn't work. It doesn't, it doesn't give the same. If you get them done right, they do.

32:49Ford Blue Cruise hands-free highway driving takes the work out of being behind the wheel, allowing you to relax and reconnect while also staying in control. Enjoy the drive in Blue Cruise-enabled vehicles like the F-150, Explorer, and Mustang Mach-E. Available feature on equipped vehicles. Terms apply. Does not replace safe driving. See Ford.com slash Blue Cruise for more details. I don't know. I've squeezed plenty in my day. I'm so sorry for those women Feels like a mouse pad Feels like a mouse pad? Yeah Okay Touching some weird boobs I guess so Maybe you're the only ones with real fake boobs Did you get them done in the US?

33:38Yeah, in Austin Patriotic boobs Freedom boobs Yeah No tariff on those boobs None at all So where the Do I have a better natural rack than you had? No.

33:58Because I got some titties. I know. I'm not getting a boob job though. Okay, I see money owed to boyfriend. Did he pay for those? No, he helped me out. Okay, the producers really want to know how much they are. They're feeding me so much boob things today. 10K. It's all Lindsay. So many boob things. 10K? Yeah. For why? Just for fun? A good surgeon. I put like, I finance like eight. I put like 2 ,000 down. Oh, 8 ,000 in debt for boobs? Why? Why'd you even get them? They're not even paid off yet. Oh my. They're almost, they're almost paid. Almost, but they're not. I owe like$500. Why'd you do this?

34:40I've wanted it since I was like 15. You've wanted fake boobs since 15? Yeah. For why? Because they look great. And I'm not having kids, so... What? I'm not having kids, so I don't have to, like, you know... Does that affect that? Yeah, after you have kids, like, you wouldn't want to wait until afterwards. So I was like, well, I can do whatever I want. And I thought I could afford it, but then my life got flipped upside down. And, yeah. Listen, I'm an all-natural girly. Our translator, post-shower, live streamer, you all know him, you love him. B-Dog or Triple B or Brandon loves fake boobs. What?

35:21Do we have the consent for this observation? No, I'm not pulling my shirt up. No! For this, you dumb! For this! No, that is not why you're here. We're asking for consent to objectification. Fine. Are they worth 10K? You're okay with that, right? Do we have permission? I only owe 500 left.

35:47worth it. Okay. See? Good investment. This episode is going to get us in trouble. Okay. Remember, we have all the guest permission before we film and they get to say what we can't do before and we don't ask it second time if they say they don't want to do something. Plus, we got extra permission there. Calm down, Reddit and Twitter and TikTok. It's fine. If my parents are watching, I'm so sorry. Me too. Okay. Okay, so what is this money owed to boyfriend? This is current boyfriend? Current boyfriend. I'm assuming? Okay, so what is what? She helped me pay. You own$1 ,200. Yeah, so at first he helped me pay a deposit for an apartment and then.

36:26Come on, so you get kicked out left and right because you won't train your dog or do anything and then your boyfriend has to come in and bail you out? I didn't ask him to. He offered. He probably saw just that you couldn't do it, right? Could you have done it? How would you have done it without him? I would have figured it out. I always managed to figure it out. Okay, let's pretend you're figuring it out right now. What would you have done right now? I would have either found a cheaper place to live or found, because I was to get into an actual apartment and live by myself. Wait, so this one isn't even the one you're in now.

36:54So you still owe him for a previous place? I started paying him off on - Oh! Sake. Okay. So I started paying him back on it and then I had to move again. And then he's like, we have set up, he came up with for everything that I owe him. He's like, this - I'm glad he's tracking. How do you feel that he's tracking? I knew it would be tracks. That was agreed upon. You just knew you would do that. Yeah, and so when I would Venmo, I'm going to be like, all right, here's 100 out of the 800. And then here's, now it's up to 200. It won't be on camera. Can I see a picture of this guy? You're going to roast me.

37:31He's got a mullet. That's okay. That's an average. I call them the everyman. The everyman either has a mullet with a mustache or a ball cap with a mustache. That is the everyman. It is 90 % of the men in Austin. I'm halfway towards every man. Oh, f***. He's very nice to me. Well, he looks like a f*** dealer. That wasn't the mole that I was expecting. Somebody said one time that he looks like Joe Dirt. Yes. He loved that. He was like, hell yeah, that's what I was going for. I was expecting the every man. He is just, in fact, f*** man. Okay. He's really cool. You would love him. Would I? Yeah. Okay.

38:11He loves your show. Oh. He got his finances in better order because of it. I'm making for your girlfriend's boobs. When I told him I was going to be on here, he was like, are you sure you might cry? I was like, I only cry when you talk to me about finances. You haven't been close yet? Huh? You haven't been close yet? No. Good. I never get women close. I could have guessed that. Me too. I'm a sprinter. Okay. This is a weird episode, sorry. It was a very Goonie episode. Okay. and people are going to take it so literally. Talk a lot more about my boobs than the car situation. I know. You can tell what I'm interested in.

38:51Thought you hated it? Thought you hated fakes? I do. I'm just not really into them, but it's very topical. Plus, Lindsay is a goon master today. She's feeding me so much boob stuff into the chat. Boop, boop, boop, boop, boop. Thank you. Worth it? Worth it? I think they're worth it. Same. I love when it's like an obvious job. Right. It's like, why spend the money if you can't go? I don't love an obvious BBL, though. I wouldn't get one of those. That's not worth the money. Okay. So the boyfriend, he's been tracking the$1 ,200. Yes. Is there interest with this? No, unless he suddenly wants to one day, but no.

39:29Is there an agreed upon minimum monthly payment? How is this working? Yeah. So he just wrote it all out and was like, this was very recent. It's like 65 a week. I get paid every week. And so 65 weeks. So 6, 12. Okay. What's it budgeting like? It's to pay it off in like a certain time frame. That certain time frame would be. Oh, so it's$282 a month. Which is quite chunky, I'll be honest, for that kind of debt. That's like a four month payoff. Five month payoff. Yeah. That's kind of chunky. instead of putting more money into the other kind of debt. But okay. So what all has he also been giving you for?

40:12Because it wasn't just that apartment. Yeah. So the rest of it was from a trip to Vegas.

40:20We went to Vegas. You had to borrow from him to go with him. It's very weird. I paid for the flights. Is this relationship not weird? Why didn't he just gift it? Gift the trip? Well, because I ended up, I did not realize that a bill was coming out right before for the debt relief thing. And then there was also like a hold on my card once I got there. And so they wouldn't let me, I don't know. Won't let me spend any money. So he covered everything and then just added it all up together to add to the 800.

40:56So he paid for everything. Okay. Okay. It's weird. Well, how long have you guys been dating? It's a weird relationship. About nine months. I'll call him in the post show. Nine months. Okay, so that's why I was going to say, listen, if you're going to move out and he's getting your security deposit, it's time to move in together. But nine months, okay. You know, maybe we're not ready for that yet. Yeah. You know, maybe we are. Some people move quicker. Some people move slower. Actually, I've, you know, it's a weird situation. But my girlfriend and I moved in really quickly. I moved in really quickly with the last person and I won't do that again.

41:26Yeah, but you guys did do five years and you wanted to continue to make it work. He just didn't like you. Can I call him in the post show? No. Money owed a friend. Why does you owe your friend$800? It was$700, and it was the same kind of thing as the boyfriend, but earlier. Which one, the trip or the f***? No. So because... I know, I know, I know. You get affected endlessly, not even this, and then you refuse to take care of the dog. Not only that, but then every time you move, you have to borrow from... Not every time. Oh, come on. Then how many times are you moving? Because every... The last two times, the most expensive one...

42:00How many times are you moving? The most expensive one, I told you how many times I've made it this year. This year. This year. I'm talking about in general how frequently you're having to move. Before that, I lived in an apartment for a year. Before that, I lived in an apartment for about a year. But then instead of actually fixing the actual problem, it's just this endless cycle down. And it ends with borrowing from people close to you. Your friend. Your friend. You don't want to borrow from a friend. I know. I didn't want to. But you did. I know. And you still owe them. How many months later?

42:30I don't remember exactly when that was. What is the agreed upon payback with friend? There was, we didn't really like talk. Oh, for f***s sake. Why, dude? Come on, why didn't I really establish something out of any kind of responsibility or respect for your friend? I know, that's like, those two things are the most, like, out of the depths. Obviously, I didn't get things out of collections, but those are the most important things that I want to take care of first. Then why haven't you? You make an okay income for relatively low overhead. I am confused why you have not paid them off. This doesn't make sense.

43:07This is not stacking up. I also don't feel like I spend that much money on stuff. Oh, that's a good question. Let's see. How much money did you spend last month? Total? Yeah. I mean, including Ubers and everything? I don't know. Probably. Okay. Total across the board. I feel like with rents and everything,$3 ,400 maybe? What? $3 ,400 maybe? Okay. $5 ,200. Woo!

43:30I mean Okay I mean um Um what? Oh sure Take a little peek Take a little peek girl I spent less at Nosh and Bevy Than I thought I would have A lot of money at Turnstile That makes sense Okay What's Turnstile? Record store? That's where I go for teeny time Espresso martinis Oh my What the f*** dude That is more important than you paying back your friends That is disgusting that is selfish What the f*** is wrong with you Well I usually am not the one actually paying for it But you did regardless I did at some point Still owe your boyfriend$1 ,200 Who the f*** are you You're gonna go borrow at a 20 % interest rate A car at$20 ,000 At your financial situation Yet you go have teeny time Teeny Hi, Alyssa in here, Financial Audit.

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45:46You don't get teeny. You're really good teenies. You know what, Alex, who has a good teeny? Your boyfriend. Pay him off. Pay him off. He's lending you for a bunch of... Your friend. In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middlemen. Your friend, you don't even know how long ago you borrowed the$700 and you're going and getting teenies?

46:37That is selfish. It is disgusting behavior. It is not what a 31-year-old should be doing. I could see that at 21. This is a joke. You're well into adulthood. No more. Well, yeah, I got into a habit of spending too much, and now I'm having to dial it way back. No, I actually drink way less than I used to. Were you an alcoholic? Not diagnosed. You're just cope. Yeah, it's more of a cope thing. Listen, I'll get you on the Fiz card that helps build your credit. It's a debit card that builds credit. Okay. Because you can't be trusted with debt for whatever. And if you want to get into a new career field, that also gets you a course career certification to build your resume.

47:17And if you want to get out of the bartending world, you're making a good income, but who knows? It might be hit or miss. I bet that's not a very recession-resistant industry, by the way. Remote good luck, that's not really much of a thing as much these days for any horrors. I know, that's, yeah. So I don't think, I mean, you're just going to have to get a job, a big girl job at some point. And again, this isn't a bartender. It's not really resistant to recessions. Yeah. As much as many other things. It also fluctuates a little bit. Like you look like a nurse. Like you look like a mean nurse. No, I don't want to be a nurse.

47:49Look like a mean nurse. Nurses aren't supposed to be mean. Oh, but they're all b****. Except for my mom. She's lovely. She's really good. I love her. The rest of them are b****es though. Real quick. The rest of them are kind of b****es. That's what they're known for, right? I don't know. I've only had... They're the mean girls at school. I've only had nice nurses. When you go to the hospital, what I'm talking about when you go to school with them. Alright, we're not playing fussy. Calm down. Move your feet. I don't have a mullet and a full beard and selling. Okay? Okay, what is this debt to previous landlord?

48:21$8 ,000. You don't have to tell him he said it. He can watch it. Yeah, he probably will. $8 ,000 to a previous landlord is insane. What the amount is that? That's apartment debts. No sh**. We already discussed that when I told you that the dollars kind of chewed a hole in a wall. It was$8 ,000 worth of repairs? Oh, for f***ing dick, was it this entire f***ing unit? I didn't live, I didn't like leave it as clean as I should have. Yeah. Because I moved out quickly and I had to be out by a certain time, so I just moved on my f***ing unit. $8 ,000 is insane. Yeah. Do you have any photos of this? Any pictures?

49:04No. Why? Am I supposed to take it? I'm sure they do. It would be good for fighting back if you had to. Yeah. So what's your method to pay this back? What has been the idea? Because this is$5 ,000 is insane. For any income, that's a substantial amount of money. Yeah. So the thing is with the apartment desk, apparently the property management company, they won't take a partial payment. Because I was like, can I make payments on it? That's counterproductive to them. Yeah, I know. It was really weird. I was like, so even if I can give you$500 right now. Is this on your credit? Yes. F*** me. Has it been sold off to a collections agency?

49:43Or is it still the apartment? I think so. If so, they might be willing to go on a payment plan, right? Yeah, so now it is on a payment plan. Well, this is on a payment plan. Yeah, in the debt relief. Oh, it's in the debt relief. Yeah. It's not a consolidation loan. It's like the debt relief thing. I know. So now it's like money's going towards it. Because I pay$5.44 a month going towards debt. and then they like disperse it to all the things that I owe. Then why is there another landlord debt? Why is there a second one? That's the most recent one. Most recent one. You know, you shouldn't have to say that about landlord debt to previous apartment debt.

50:22Oh, that's the most recent one. Whatever, dude. Okay, so. Okay. Okay, so anyways. What is this response? So that one is, she's saying that like she needs to like replace all the flooring in the room. Train your dogs. Okay. So, yeah. So, but then I don't think she did the math right either. I don't think it's that much. Well, you didn't take pictures to challenge it and that's the problem. I know. I might get my old roommate to do that for me because there's still nobody living in there. So she's still in there? The old roommate is. So it's just like she rents out. Oh, yes. Get the pictures, dude.

50:57The landlord just like rents out each individual room. It's not like everybody's in one house. The landlord literally caught the dog peeing on the carpet. What? That's the note I just got. The landlord caught the dog peeing on the carpet in one of the places. The landlord, she like would end up coming by the house like unannounced and then just like walk into my room. And then she was like, didn't like seeing the dogs there. She said that the dog peed on the floor. And then now she has like. Why was the dog pissing on the floor? That's what she said. I mean, it wasn't there when I got home. Your roommate?

51:31No, the landlord. Your roommate cleaned it up maybe? Okay. Yeah, maybe. You didn't ask? Or maybe the landlord did. I don't know. No. Should I have asked? If someone's claiming that the dog peed, I tried to figure it out. I'm assuming the landlord did. Because that would result in debt to me. Yeah. So when's the next debt to your current landlord? I don't have any debt. I mean, it's just rent. So I said when. You're going to get kicked out because the dog's going to destroy this place. I guess whenever that happens. Why are you so irresponsible? I'm not. Why do you not give a fuck? I'm trying to do better with the dogs.

52:06Okay, what are you trying to do better? What's the trying to do better? Going out less. Okay, you still work 40 hours a week and I know you're with your boyfriend sometimes too. Taking them on longer walks and trying to get their energy out. Does that help with the anxiety specifically? Yeah. Okay. And so far? I mean, they've been good. Even like towards the end of the time that I was living at the last place, I was like taking them out more, like I had a big yard, so I was like spending more time throwing the ball with them and then they were fine. and they didn't really do anything. Now, you struggled to send us statements.

52:42Yeah. We tried to help you the best you could. Yeah. So I'm going to have to screen record from your phone. Can you pull up your credit karma for me? Because I don't know what the struggle was. So, yeah. So that, the credit karma thing shows like closed accounts. Yeah, I'll see. Okay, but let me pull up the National Debt Relief thing because that gives a better breakdown. I know how to navigate credit karma. Okay. Well, I was going to go the National Debt Relief thing because it gives a better breakdown. But here I go. Well, I just want to see what your credit karma says, dude. We can look at both.

53:20Needs work is an understatement. I'm aware. Okay, so what do we got going on in here? Oh, wait, hold the... You know, you have some open credit cards. No, no, we got to chase freedom at$350. That, I think, is one that must, because my ex and I had a card together. Oh, no. Oh, and this is why we opened up Credit Karma. I don't think there was a chase one on there. Is there? Is this just an example? It might be an example or like an offer. This must just be an example. I don't know. You said you know how to work Credit Karma. Yeah, fair enough. Seem to be struggling. $16 ,000 on this. So we have the$9 ,089.

54:00that's from that no what's this 9 ,089 is that the is that relief no wait let me see which one you're looking at ah 9 ,089 oh the green sky that's the hot sub he's making the payments on it but it is on your credit his name is also on it so he's at least making the payments if he stops or dies you're um yes I don't have a way to sell it at this point what's your relationship with him now we don't speak fuck's sake So what happens if he all of a sudden misses a payment? You say he's a piece of shit. Maybe he will. Well, his name is on the loan, too. So he has to pay it. I know, but what if he's a delinquent who doesn't give a fuck?

54:42People fuck up their credit all the time. Who's to say he doesn't? I mean, it's very possible. But yeah, I mean, if he dies... Did he ever find anyone else? Yeah, he's married. Yeah, that happened quick. So it was you. Okay, hot tub. $9 ,089. I get emails every month that the payments are actually getting made. Well, that's good. But it's$157. I'm going to put it in parentheses. It doesn't go to your normal payment. But even still, I mean, that's scary. That is an extra$10 ,000 on top of your loans that is just added if something happens. Because you will have to pay it to not f*** your credit if he decides not to pay it.

55:24I know. At that point, I would just figure out a way to sell it. contact him to refinance it and get you off of it? The idea of talking to him sounds absolutely horrible. Oh, stop being such a whiny. He doesn't want to talk to me either. This is a business transaction. This is a business transaction. You're not calling him up and asking him about his day. Yeah, I don't know. I don't... I mean, how much of a difference... Can you text him right now? Text him right now. Maybe. Just text him. I might be blocked. Okay, well, let's see. Can you just try to text him? Oh, sorry. Yeah, this is your phone.

55:56Text him, hey, Kamal, what do you think about refinancing the hot tub loan to get me off of it? Okay. Send a text, see what happens. You're not even willing to do that? He was really bad. He was like, yeah, not, it makes me nervous to text him. I mean, I can't. What's he going to do? What could he do? I don't want to get yelled at by two pull men today. Okay, that's fine. That's okay. Totally good. but for limiting your risk as well. I do, again, the main intent isn't for you to contact them. I don't give a f*** about that. The main intent is for you to get off the debt. Right. What is this FebCredFresh?

56:38FebCredFresh. That is a line of credit. Of you. That you have. Yes. Just you. Yes. For the sake. Did we even get a statement for that? Or is this fresh? Are we learning about this for the first time? Oh, we're learning about this for the first time. Okay line of credit Okay That's wild Now why do we have a balance on a line of credit Um because I used it Why would I get a line of credit And not use it I needed it For what You're gonna hate this It's uh To pay rent $330 a month payment Can you pull up your line of credit Rinse takes your laundry and hand delivers it to your door expertly cleaned and folded so you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you like tea time you or this tea time you or even this tea time you said you hear about Dave or even tea time tea time tea time you so update on Dave it's up to you we'll take the laundry rinse it's time to be great cut it for me

57:55all right here we are i paid off a good bit of it the balance went up to 1389.42

58:07what it's over the credit limit that has to be just interest which doesn't make it better no it doesn't if you make your payments it does not make it better that makes no sense yeah that was kind of an emergency situation so does this draw into cash yes okay so where would i have seen the cash be spent in your checking account yes so you saying earlier that you don't spend on credit cards only in your checking account no because you pulled from credit into your checking account to spend on it i forgot about that one huh i forgot about that one because I don't use that much. Well, no. Okay. Minimum is actually 82.

58:46I don't know what credit card was saying, but sake, dude, you're over the limit by a hundred and like 25, 130 bucks. That's insane, dude. That's crazy. What are we doing? Kickoff. You just got kickoff. Yeah. Okay. And what are you doing in the kickoff? Because there's good ways to use it. I just recently got it and I haven't really used it much. Well, I advocate for it in the credit building way, but I want you to just be careful. Yeah, I haven't really done anything with it. I just recently downloaded it. Okay. I haven't really figured out how the best way to use that is yet. Now here we go. Good old collections.

59:33Data International. $5 ,159. What is this? That goes into the apartment debt. That's what that is. No, no, no. That's like the chunk of it. Okay, what's your minimum on this? So I'll cross off the two previous landlords and now we put this in. Okay. It's in the, since it's in collections, it's in the payment that I make towards the debt relief thing. What all is in the debt relief, dude? Because I don't see the... I can show you. Okay, show me the debt relief. This is such a mess. What a mess. Why'd you do this debt relief specifically? So I could have one payment. Yeah, but they were in collections.

1:00:12You didn't have to make a payment in collections. Sure, they could have sued you and gone after you in court, but usually no. If it's in collections, I don't have to pay it? Well, my credit was fine. It's not about that. But yes, your credit sucks. And the$5 ,000 one, honestly, is pretty chunky. Maybe they would have gone after you in a legal way. So that one I'm okay with paying on for sure. But usually after a few hundred bucks, they don't really come after you in a legal sense. And it's not that you don't have to pay it. Moral obligations, sure. but it falls off your credit in seven years. That's seven years of you being and not being able to apply for any debt whatsoever.

1:00:45Sometimes that's not the worst. This was in the debt relief thing that I'm paying off on. Oh. Start to Capital One. Oh. Capital One itself is$21 ,577. Yeah. What is happening? Yeah. that was the big one that I racked up after. That was my coping card. Over how long did you spend$21 ,577? A year, year and a half. That's insane. All I'm just going out and bevving it up. That's wild. I also used it for other necessities, like dog food and HelloFresh. So it's not like I only use that for going out. saying now I have Oh Madison Adele $5 ,795. That's the one that's like IQ. Marcus Loans. What's that one?

1:01:42I don't know. Let me see. Marcus Loans by Goldman Sachs. It's Marcus. Oh, that's a... It's a loan. Usually it's a high yield savings account that most people use but you got along with them. then that's my Apple credit card. Oh. You owed$5 ,000. That sounds right. $3 ,000. Yeah. $319 on that? Yeah. That's fucking crazy. You paid off a... small couple hundred dollar patient first one. That's what was owed left on the boob job. Oh, God. She national debt reliefed her boobs. She national debt reliefed her fucking tits. Well, I stopped making the payments on them until they just like looped all into one payment.

1:02:25Maybe they should repo them. I cost them more money than I owe them. What the fuck are we doing where you can't pay for your own f***ing tits? Having great tits? The number one YouTube membership just got upgraded. Three exclusive shows every day Monday through Friday. Financial Audit post shows. Exclusive and uncensored financial audit episodes. Our call-in show, Hammer It Out. Then take the train! And brand new shows Fat and Fatter. That is... That one is... I would go off-brand. Behind the Audit. This was wild. Shop smart.

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1:03:57Download the DollarWise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the DollarWise budgeting app today and take advantage of your free trial. Hey, your buddy said worth the money. He's obsessed with the faker than better. He has good taste. Okay. National debt relief is not a bad thing. It's just like the debt you got into is crazy. I know. You literally got titties on here. Yeah, only a couple hundred, and I just looped that into one payment. Well, you paid that off immediately, but you've only made$839 of progress on$31 ,530.

1:04:41So it's like, great. Great. So you owe$30 ,691 on here. Now we're crossing off with the total debt, the previous landlord debts, but we still got the boyfriend, the friend, the hot tub, the line of credit, and now this$30 ,691 of debt, which most of it is that Capital One, which is crazy. Yeah, that one got a little out of hand. Crazy. What is your minimum monthly payment on this thing? Well, now I pay it all in one payment to National Debt Relief. Huh? Now I pay it all. Yes. I pay$544 a month to that. There you go. That's what I was asking. You asked about the Capital One card. Huh? You asked about the Capital One card.

1:05:24Well, I, okay, sure, maybe. I meant this, though. So$544. $540. How long have you been in this? I started racking that up about three years ago. No, no, no, no. The National Debt Relief. Are you sure you just can't answer questions? Are you sure you can't ask questions, right? I don't know. You're jumping from one thing to another. I signed up for National Debt Relief in January-ish. January, February. and it's been 544 this whole time well it's 273 every two weeks and then I changed it to do just one payment a month because I found that okay so it's still the same yeah but you've only made$800 you've made two months of progress well okay so if you go to the last page it shows like 2700 in the account so like I guess it's at the top yeah that they're using to negotiate yeah Okay, so that's what's in there.

1:06:23Okay, I got it. That's rough, man. That's rough. I know. That's crazy. And now let's look at your spending. First of all, what even the fuck? What is this? What is this account, dude? What am I looking at? That's my checking account. Checking with who? What is this? Capital One. So Capital One checking. Okay. Immediately in here, Venmoing out$12.50. Venmoing out$8.29. Now these are Ubers most likely. Old Greg Brewing$8.50, but we're struggling to survive. Great. Uber. Taco Bell. Uber. Uber. I told you. Uber. I'm calling them out still though. And also really$838 of Uber in one sitting? That doesn't really make sense.

1:07:12I don't think. Look at that. oh that was that was for the deposit and rent oh they're not all Ubers like she said earlier the big ones are rents okay then half of them have been Ubers that I've called out so far by the way majority of them Smoker Buzz it was a vape you're a vapor why we are you're older than me I know for a fact you were not in the vape high school world no I was not you picked that up What a stupid thing to pick up. That's such an expensive. How often are you getting vape? Like once every two weeks. How much is it per? 20. That's not that bad. $40 a month. Shut the fuck up. What are you talking about?

1:07:57That is$500 a month. That is an extra payment on your national debt relief a year. That is an extra payment on your national debt relief a year. Fuck off. That is substantial. Every little thing counts. Uber. Uber. Uber. And by the way, we know when some of the Ubers, they're Uber eating. Taco Bell. So shut up. That's all Uber. So Uber, turn still coffee, night owl bar, Uber eats probably. Uber, Uber, Uber, Uber eats probably. Uber, Uber, Uber. See, the majority of my spending is getting around. Come on. There's still Uber Eats. It's unacceptable to be doing Uber Eats in your situation when you owe money to friends and boyfriend.

1:08:39What a disgusting thing to do. Spokman Highland. It's a coffee. Uber Eats, or actually large Uber, so something else. Easy Tiger. 100 dollars. Uber, Uber, Uber, Uber. And also, maybe you're going around too much. Maybe you shouldn't be going out. If you cannot afford, maybe you shouldn't be going all these places if you can't afford the transportation. Or take the bike or scooter or bus. I know you can bus. From your area, you can bus. Is it convenient? No, you can. Planet. Uber. Uber, Uber, Uber. Metro thing is like 50 bucks a month or something or 100 bucks a month. I mean, you do that in a day.

1:09:17Uber, Uber, Uber. Netflix, going in and getting some bulls*** from the gas station. Certainly know it's not gas for you. Cash apping out money. Uber, Uber. Mottie's North Lamar. Probably Uber Eats, then Uber Wendy's. No, Mottie's, I didn't Uber Eats. No, I'm talking about the next Ubering thing. Nosh and Bevy, The Hideout Pub, Uber, Spokesman Highland, a huge Venmo of 650 bucks. That was a pay-minute friend. Uber, Uber, Uber, Uber, Uber, Uber, Uber Eats probably. Uber, Uber, Uber Eats probably, Uber Eats probably. Cash app being sent out. Uber, Uber, coffee, Kung Fu Salon, Kung Fu Salon, Uber Eats probably.

1:10:04Venmoing out$500, so many of these this month. Wendy's That's how I was paying rent Jack Ginger's weekly Cause it's like every second Well I paid Made some partial payments Dude Uber Eats probably While she's making partial payments Well actually the$500 The Grand Bazaar Uber Nosh and Bevy While she's making partial payments Uber Eats probably That$500 one was Uber Eats probably Uber Uber Uber Uber Uber Uber Uber Hulu For$90? I knew you were going to hit on that. What the f*** is that? You already have Peacock that you tried to justify. Hulu has different stuff and it has the live. I pay for the live.

1:10:44Guys, Hulu has different stuff. It has the subscription I have gets the live. So like cable. I don't care. You do not get cable if you cannot afford life. You owe your friend and boyfriend money. I actually think I'm pretty sure I changed the Hulu one, but it just hasn't, I haven't been billed for the next cycle yet. Oh, this is so stupid. Uber won. Apple Cash sent out. White Tiger going in, getting some bulls**t. Uber. Oh, my. Spokesman Highland. Uber. Brew Market. Apple. Apple? Spokesman Highland. Apple. Apple. Uber Eats for sure. Go fund me. Go fund paying off your friend, you dumb. My coworker has cancer.

1:11:34I don't give a shit. I don't give a shit. I don't give a shit. That sucks that your coworker has cancer. You do not have money. And also, if we're being completely honest, that absolutely sucks. $30 is not going to do anything. I know. I know it's about the lots of small amounts makes a cancer payment. Like, I advocate for that. I support that. Let's absolutely give. You're not in a position to, and you're hurting yourself. I'm sorry. Send me theirs, and I'll give them much more money That's what matters more. You know? And the more you want to give to things in the future, the less you'll be able to because you're preventing yourself from being able to do anything by not allowing yourself to dig out of a hole.

1:12:15That's what happens. When people want to be a little charitable here and there but they're in a bad financial situation, it prevents them from being much more charitable over the course of their life. Because you need to get out of this and then you can give so much more. So it's not about the cancer thing. That's sad. But it's obviously about just the overall situation. Cash app, 60 bucks. Barbecue Chicken, USA. Zilker Brewing Company, Uber Eats. What the f***? Pull up your checking account for me right now. What a joke. What a joke. That spending is horrendous, disgusting, unacceptable for someone who owes so much money to people in their personal lives.

1:12:54What a joke.

1:12:58Available balance,$92.

1:13:05That's insane, dude. That's insane. Started with 21. That's insane. Surprised you have not overdraft this year, holding us so low. Holding us so low. Oh, guys, we got a 360 money market account. got a, what is that? 87 cents.

1:13:30Wonderful. Of which you probably pay a fee to have. I do not. Okay, thank goodness. That's six cents in interest. Well done. That's crazy. Before we build this budget, I mean, listen, there is an income conversation. There is, again, I'm a little nervous about if we're in a recession or anything, your industry being impacted. What are we trying to do? Because it sounds like You have no idea what you want to do. You've been hopping jobs like crazy, right? Yeah, I've done a few things. Tell me. Tell me over like the past 10 years, what's your job situations been? I was a hairstylist for the majority of that time.

1:14:08What the fuck? Well, then COVID happened. Yeah. Yeah. But you're in Texas. We were closed for a month. Yeah, but then I sat on the couch for a month and I started getting tech. It was a you thing. while I was sitting on the couch for a month, I started studying for exams in tech. Tech certifications? Yeah. Okay, what'd you get? I got two different Microsoft certifications and then I got, like once people started hiring again, I got a job. I don't even, one was an Azure one and then one was a 365. Okay, and then you, pretty basic ones to get started in. And then you got a job doing what exactly?

1:14:47Tech support. You're starting to tell me earlier. I started as tech support. I was making 36K, so it wasn't great. But tech support can be good. You can move up in that. And maybe that can get you into tech sales. Listen, it's not great in tech right now, but I can get you that certification specifically. Tech sales can be really lucrative. You don't seem like a people person. You're a little bit of a wrist slitty emo going to kill everyone. But if you decided to be a people person, I know, for you, exactly. That's why maybe you wouldn't be good in tech sales. Yeah, also a lot of sales jobs, you have to have a bachelor's degree and I do not have that.

1:15:21This is tech sales though. Sales is more about the grind, the numbers, the resume you bring in, the things, the data you can show. The hustle. Of what you don't have, but a tech sales certification would help. Okay, so you went into tech sales, you're making$36 ,000 a year for how long? About August to March, about seven, eight months. Why so low? Or little? Because I got a different job making more money. What was a different job? I worked for SHI. As what? I worked for SHI as a pre-sales service advisor. So it was like... So still service. Yeah. But good. What were you making? 65. Look at that.

1:16:00Yeah. It's basically what you're doing now, except it was probably more enjoyable, right? More consistent? Less grind? Okay. Well, yeah. They put everybody back in office and I was living in Round Rock at the time and then I had to go all the way down south and it was... Yeah, it sucks. Okay. But, okay, so what made you leave that? How long did you do that? How did you just assess your resumes? We're thinking of what to do next. A year and a half. Okay. Okay, shows you stick somewhere for a little bit. I would prefer to, but that's fine. And you're making 65. When did you leave that? Where did you go to?

1:16:30Left that about two. Yeah, so I guess I've been bartending about two years, not three. So that was straight to bartending from there. So about two years ago. Why did you go into bartending from that? I wanted something really quick. and I also just really don't like... Did you get laid off or did you quit? Laid off. They started laid off a bunch of people. Okay. Yeah. Did you get severance? Yes. Okay. Yeah. So then I went into bartending and now, and then I just kind of stayed with that. I've spent the last year managing a place. So to build some kind of management on my resume as well. Learned a lot.

1:17:05So I can stick to a place. So your resume is okay. The bartending thing honestly isn't really going to help it, unfortunately, because it shows that you left from checking you into service. Yeah, but the management side of the thing. Oh, you and your boyfriend want to move to San Diego. How are we doing that? How is it even possible? Well, this has got to get worked out first. Well, this is an insane amount of things to get worked out first. I know. What's your rent? $875. What about utilities all combined? About$150. Okay. What's your phone bill? $110. Do you still have your Cos... Oh, what is it?

1:17:41The license? I don't have it anymore. It expired. Why? Oh, can you re-up? How easy is it to re-up? I might be able to re-up. I'm not sure if I would have to take State Board again because it's been so long. Your minimum monthly payments are$907. Mind you, your income is$4 ,116. Okay. Did you calculate your internet and your utility payments or is that separate? Okay. Okay, how much on Ubering a month? Well, we kind of did it. Listen, I saw about 10. 10 back and forth. Well, let's round it up to 12. You do five days a week. So that's 24 times five times 52 divided by 12. Okay, so that's$520 a month in Ubering.

1:18:21That's chunky. That is a car payment, but you're not taking into account the interest that goes with it. Of course, you get an asset in the end, declining asset, absolutely. Let's save up. Let's get a car. The Burlington Coat event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands.

1:18:53Wow. Visit burlington.com slash coats for details. Except, except, no! Except, f*** you, take the bus. I'm sorry, take the bus. Like, I almost convinced myself to be on your side for a second. No, take the bus. We live in a city. We live in a city that has a halfway decent bus network. I can gaslight you back into a... No, you can't. Take the bus. I know where you live. Yeah. No, you don't. You told me before. I have a general area. Yeah, and I know there's buses there. I don't know where they are. That's a map. You look at the map. That scares me. No, it doesn't. No one's on them in Austin. You'll be the solo rider.

1:19:32Okay. Maybe the train. I don't know where that closest one to me is, though. But it drops off right in front of my work. Well, that's actually fine. That's actually fine. She told me where she is. Listen, you can take about a 10-minute bus to the train station, and then a train can take you to work. There you go. Listen, transportation budget, I think you can do$300 a month. Let's try to cut this down. Let's grind to the bone. $300, and that's me being generous, giving some Ubers here and there. Okay. You can do that. I know for a fact you can take a bus to the transit hub there that takes the train to your work.

1:20:06And the train system is incredible here in Austin if you can get to it. And I know you can. Unfortunately, the vast majority of people can't get to it because it's just a very limited line. But if you're on it, it's a great train system. Okay, so$300 for your transportation budget. You should be able to do that. Food, you can do$300 for yourself. We'll give you the, can I hand that? We'll get you set up with the budget from the cookbook. You follow it, 300 bucks a month. It's good. Remember, get it signed by signing up for DollarWise Central or the annual version of the DollarWise premium budgeting app.

1:20:42I'll sign it just like that. But use this. You can do$300 a month at H-E-B. We've priced it out. Can I have an unsigned one? Fuck you. Maybe I'll just burn yours. Yeah, 300. TP fund, anything else you need to survive, 100 bucks. Medical healthcare. Any co-pays, anything on a monthly basis? Prescriptions, whatnot? Nope. Okay, Jim? I don't have that, but I would like to factor that into the budget because there's one right by my word. Cool. 50 bucks. What about a$25, Jim? Well, this one is in the same complex as my word. Let's see if we can do it. Let's see if we can do it. 50 bucks. Subscriptions, let's see if we can do$30.

1:21:2030? Fuck you. Netflix alone is 17. Pick one. Pick one! Oh, okay. I'll see if I can do 40. Let's see. Okay, dogs. There's no pet insurance. No. And they're too old. How much for food on a monthly basis? About 80. Okay. Is there a monthly care you have to do? Is there anything we have to think about with these dogs? I mean, just flea and tic stuff every like three months. Okay, how much is that every three months? About 100 bucks for both of them. So we'll call it$34 for dogs under health. Obviously, one's$12. Some expenses will start going up, unfortunately, and I'm sorry.

1:22:10Anything else that needs to be in your budget that I have not taken into account yet? Oh, I don't think so. Not that needs to be in my budget. All right, let me do the math. What you need to survive is$2 ,946 a month. So what are we doing here? This is totally fine. Let's just round it, give you$170 a wiggle room. Since this is a lighter budget, you will dive deep in and you'll figure things out. Well, let's say you have$1 ,000 left over. And yeah, it's still chunky. Did you factor in the debt payment? Yeah, debt payments of$907 a month. listen $30 ,691 plus$1 ,389 from the line of credit plus$1 ,200 from the boyfriend plus$700 from the friend not doing the hot tub debt and we obviously the first one was the national credit relief debt relief divided that by$1 ,000 I mean it's pretty basic math at that point but that is 33 months that is not the worst we're talking about two and a half years close to three years actually to get it paid off yeah Two years and two quarters for a bartender is amazing.

1:23:29People take five, 10, 20, 30 years when we do the calculations on this. 30 years. You can do this in literally under three. Boost your income, get a second job. Boom. Get this paid off in two years total. Okay. Come on. It's everything. This is incredible. You have the opportunity of a lifetime here. Here's the reality. You don't have an emergency fund that is scary. You keep borrowing from friends. I'm surprised you're not borrowing from family. I guess it's because of the disappointment, right? I want you to pick up a second job. Bring in an extra$500. Pay this off in two years. $500 a month.

1:24:11That's all I'm asking you to bring in extra. Okay? You're interested in some personal clients on the hair job side. I don't know. Whatever it could be. Coffee shop, doesn't matter. Pick up more hours at the bar. Go to a different bar. I don't know. I don't know. But... $500. Are you working on one of the party streets? No. Probably make more money there, right? Maybe. It depends on the season. It fluctuates a lot more. Yeah, in the hours. But... But yeah, but that's what the money is, though. This is a grind for two years. You can do this in two years and then call in another six months to build a fully funded emergency fund.

1:24:47Okay? I'd get a one-month emergency fund or save up for whatever your highest deductible for any of your insurance. One month would be 20, what? 29? Is that what we said? Huh? Oh, yeah, with your debt, but it would be closer to 2 ,000, 2 ,100 once your debts are gone. So, yeah, I would save up about 12 ,000 bucks. Okay. So call it two and a half years to have a fully funded emergency fund. All bad debt paid off. Keep taking public transportation through there as long as you absolutely can with a little bit of Ubering. Do not get a car yet. Now I get a car. And then at that point, we are saving up$5 ,000.

1:25:20I'll let you put$5 ,000 down on a$10 ,000 car. And then you aggressively pay off that$5 ,000. How long is a$10 ,000 car going to last me though? For a while. Dude. Cars are expensive. Cars are expensive. And it's not as easy as it has been defined. But you're in a large metro area in the Texas Triangle, which means you're in the middle of also four large metro areas. So you have a lot to choose from. And no matter what car you are getting, you are taking that car to not one but two mechanics to get them to look at it so you're going to pay for them to look at it and give their full sign off that this is going to be safe this is going to last you for a few years without major repairs because this is not a forever car, this is a few year car and you pay off that extra$5 ,000 in debt preferably not with the emergency fund but if it's high interest, yeah, use the emergency fund boom, then you have a paid off car and you've got to build up the emergency fund again but if it's low interest, then you just pay down that and then, listen, I didn't see a retirement account here is there retirement?

1:26:11No. Okay. Then at that point, once that is done, we're talking maybe three years and a quarter. Then we are... Getting a car for 10K? No, no, no, no. This is after you paid off that car. Then we are doing 50, 30, 20. 50 % on your needs, 30 % on wants, and 20 % to investing. Maybe 30, 25, 25, because you'll be starting mid-30s retirement. So you lost the best decade of your life for compound growth, and you lost half of the second best decade for compound growth in the marketplace. We really need to start catching up so we have a shot at retirement. Shot at dignity in retirement because I'm not relying on Social Security.

1:26:52Well, that's a bad way to look at things, but let's look at the higher likelihood chance that it's not going to. Okay. Okay? So that's what I recommend. I'm going to call her current boyfriend and talk about what her debt looks like because he probably has no idea because she didn't even... You don't even know about the line of credit. He knows. You don't even know about the line of credit. Why not? And we're going to talk about his debt and stuff. So I'm going to call him, confront the situation in the post show. Let's get our hammer financial score first. Okay. Spending a budget, you overspent.

1:27:19Zero out of ten. Debt, you have collections. Zero out of ten. Emergency funds, there's nothing. Zero out of ten. Retirement, there's nothing. Zero out of ten. Real estate, there's nothing. Zero out of ten. Wow. Hammer financial score. It's been a while since we've had one of these. Literally a zero out of ten, and she thought it was a three. Good luck. Get your financial score. Get your financial score below at CalebHammer.com. and come join us in the post show by joining Hammer Elite. Below, three premier shows posted Monday through Friday, every single day. I'll see you in the post show. I'm calling your boyfriend.

1:27:46Hello. Big guy. Your girlfriend owes you a lot of money. What did she do instead? She opened this conversation bragging, hey, I don't spend on credit cards anymore. You know what she did, which you probably do not know because she doesn't even know? She's over maxed out on it, which is why she can't use it. I did not know that. Now, does her financial situation make you hesitate? Tate. This relationship. Yeah, it's, I mean, well, that is a, yeah, something that does weigh on my mind a little bit about this relationship for sure. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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