Dave Ramsey Was Wrong, Now She's F*cked | Financial Audit

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24:08Second question, booking a flight on a credit card without checking your bank account in the first place. Okay. Thank a little bit of reason maybe. Yeah. Overdraft fees. Oh, but it's on a credit card. You wouldn't. Oh, well then they're probably maxed out. So I can't. So, so that's why we're opening a credit card in the previous question. Yeah. Yeah. So the maxed out. So I can't. So no. Are you sure you're not with someone else by your choice? no yeah I'm not sure either

24:44what other questions you got putting lunch or dinner on a credit card lunch that you might lunch and dinner that you might be missing out with your friends FOMO why because I don't want to miss out with time with my friends and going out to eat to dinner especially on like birthdays and special occasions that's super important That's different though. Those are very limited. This is not a weekly basis thing. And I bet you're f***ing around endlessly. Yeah, you're f***ing around endlessly. Yeah, I don't normally make my lunch. I have 30 minute lunch breaks so I usually go and get like Wendy's. It doesn't make sense.

25:18If you have a 30 minute lunch break, you don't make your lunch regardless during that 30 minutes. It's pre-made. What the f*** are you talking about? Why don't we make lunch for lunch? Yeah, but the 30 minute lunch break has nothing to do with that. Well, that's why I usually get fast food because it's fun and then I eat it. What the f*** are you talking about? Whatever length of your lunch break has nothing to do with whether or not you prepped food beforehand. Yeah, the prepping is the issue. I don't prep food beforehand. Yeah, so it is not the lunch break being 30 minutes. In fact, you'd have more time to eat if you weren't going and getting fast food.

25:54No, I normally go home and hang out with my cat and eat my fast food.

26:03What life are we trying to live here? My best life? Yes, but what do you think your best life is? Because you seem recluse. You seem stepped away from the world because you're refusing to push any boundaries of your own. And no, I don't respect those boundaries. Not every boundaries are meant to be respected. Listen, that's not how it works. If you put up a dumbass boundary, f*** it. That's dumb. I'm so sick of that bulls*** on TikTok. It's hard for the boundaries. Boundaries. Boundaries are a hard one for me. I know, but you're putting up bad boundaries. Just because the boundary exists doesn't mean it is justified.

26:45It could be justified. No, you're limiting yourself dramatically in life. I'm autistic as well. Yeah, and I've never been diagnosed, but my lawyer tells me I'm the most autistic mother f***er she's ever met. So listen, you have everything. And I'm sure you think about it endlessly. No. Yeah, you do. Come on. The language you're using, you are just like every single person that's been diagnosed with something. So you think about it endlessly and then you limit yourself and you tell yourself you can't do something. But guess what? Congratulations. When there is something you want to do, somehow you find the way to do it.

27:16So fuck off. I have done it. I have graduated once. I know I could do it again. It's just the anxiety aspect. It definitely, it messed me up. And that is hard. Yeah. But if it is hard going into a semester, do intensive therapy while you're starting a semester. find a coping mechanisms don't just raves are my coping mechanism but that is not working because you can't afford to live in here and 75 ,000 hours of death this is dumb this is dumb you're willing to put dinner and lunch on a credit card just to have the experience because you might be dead tomorrow this is dumb what is that again like I have many times in this conversation I can latch onto something that I'm like let's do this so we can do this I don't have a this for you because you're content living in a studio.

28:02I would like to move. Living with a cat forever. I'd like to move from the studio to maybe like a one bedroom. What ambitions do you have other than just getting an extra room? Because I have nothing to latch onto to try to make you change your behavior and push your limits. That's the big thing because you put up artificial boundaries that honestly are bad. Yeah. My workplace is just really great and they help me with my accommodations and whatnot. So that's why I have to stay there. Great, they pay you$20 an hour. Yeah. because I'm not certified in that degree. But I just kind of got grandfathered in.

28:34Will they pay for you to complete your degree? No. It's a very small office, but we see 6 ,000 patients. We have 6 ,000 patients, but it's a small office with a few employees. But we don't have retirement. We don't have insurance through them. We have nothing through them. They're off for retirement? No. But it's advantageous to them for tax purposes. Okay. It's a very small office, yeah. Right, but if they're seeing 60, whatever. It doesn't make sense. We have a swan, whatever. Yeah. It doesn't make sense. Also, I just also don't believe you, to be completely honest. But either way, you could be maxing out a Roth IRA.

29:09I really would love to do that. Yeah, but instead you choose festivals because we're choosing the things that we want to do that are slightly difficult over the things that we don't want to do that are slightly difficult. Yeah. Come on. I would like to change my ways. I just need better tools. My mom tried to do like Dave Ramsey CDs on me and that just did not help me at all with his teaching. Well, sure, because you're stuck in the 80s, I guess. 90s, CDs. Yeah, yeah. So I tried that method. That didn't help. And so I'm just trying to really try to. Well, what did not work there for you? Because this thing is pretty damn simple.

29:42I don't agree with some of the debts, the starting emergency funds too low. But what? What did not work for you? I think just how he words things. that I just didn't think his life didn't, like his examples and whatnot just didn't align how my thought process works either. So I try to understand that I try to implement it. Not everything has to cater to you, though. You're able to f***ing comprehend. But at the same time, I just didn't really grasp his concepts. I understand that there's no all effects. But it's the most basic. I mean, I'm sorry, I'm not trying to be offensive, but it's literally like the bottom tier basic.

30:15Like he even talks like it's the most bottom level basic. He's like, I was in like$5 ,000,$100 ,000 of debt, and now I have zero. And I'm like, well, that's great for you, Dave, but I'm different. What? Yeah, no, it was just an example. What the fuck are you talking about? He got himself into a bunch of debt, and that's why he's telling people how to get out of it, how he got out of it. It doesn't matter how he got into debt, though. How he got out is different than how other people could get out. There's other ways that work for other people. There are other ways, but that doesn't mean that the snowball method doesn't work, though.

30:48That's so confusing. I'm not getting your logic yet. It didn't help me. But why? Because the example you used is really dumb. Honestly, if I'm being honest, because he had really poorly leveraged real estate, quick note debt, all of a sudden you can't pay off a credit card? I'm confused. His debt payoff method isn't about the kind of debt he was in. Yeah. I think, well, he was just trying to teach people to get out of debt because that's how he got out of his own debt. No, he went through bankruptcy. He teaches people, you're not having me f***ing slobber on Dave's c*** right now. But this is ridiculous.

31:25Yeah. So my mom had me listen to some of the CDs. I didn't. His c*** is basic. It's pay off the smallest debt to the largest debt. How does, because he went through bankruptcy, negate your ability to understand that? That is the most basic. I didn't know he went through bankruptcy. That's my fault. What? I'm just so confused. I listened to his CDs, but I didn't listen to all of them. It's seven steps, right? Yeah, it was like a... I don't remember. It was on like CD-ROMs and she had me... Yeah, really hung up on the CD part of this. You could have gone to YouTube. You could have gone to YouTube.

31:58Is he on YouTube? Everyone's on YouTube. Oh, well, I wasn't aware. I thought he was on YouTube. I don't know. Oh, I'm not sure. But I, you know... Do you exist on this planet? Okay. I try. Could be an alien. It would make sense. You have any other questions? No, I'm just, I'm a little confused. If you weren't able to go through his most basic thing, which again, I don't agree with everything. I'm not trying to look good right now, but it's like what you're saying is like, honestly quite stupid. Yeah, I think you kind of just hit on a point. You don't agree with everything he said, and it was the same for me as well.

32:40It doesn't matter. The philosophy of payoffs, smallest to largest is good. Yeah. And I have guys. For people that can't stick to the behavior like you, honestly, is the best for you. So what you're saying is extra stupid because that is probably what works best for you. Is the snowball method? Yes. Because no way you'd be able to do the avalanche method. You probably can't focus on something for more than a half a second. So yes, you need the snowball method to get progress quick. Yeah. To see the results and get your dopamine unlocked immediately. Yeah. So what are you talking about? That's why I kind of tried it.

33:12David Ramsey did not fail you. I failed him. couldn't put a CD in the player yeah and it's very boring to listen to as well with that him talking he's a boring old dude why do you think our show is bigger than his and that's why I'm here on your show because of that reason again the only reason I'm pushing back on this is because no matter what I give you if you couldn't make it through the most simple thing how the f*** can we get you there because I tend to give people more options, whether it be avalanche, snowball, maybe putting in some bulls**t, going to get a different job. I allow bankruptcy.

33:51I allow consolidations. It's all based on the person's situation. But if you couldn't make it through the most literal basic thing that probably actually does work best with your brain, which is snowball, then good f**king luck to me. Like, what the f**k? And your logic made no sense because he had real estate debt. You couldn't follow paying off the smallest to the largest debt. It just doesn't make sense. he was in a different financial situation is what i meant like his financial situation it doesn't matter though his teaching is why are you making me gurgle this thing dude i'm not no that's why i'm here to learn from you because i feel like i i think you're the best for for this all right listen today's the last day uh we've put together a lot of educational tools and a lot of educational resources that i wish i had when i was growing up and i could have saved myself a lot of money and made a lot of money.

34:43We've brought in experts. We've created the best education that I can even think of on this entire platform. Our refund rate is literally 75 % below the average refund rate for the industry, even though we offer everyone 30 days money back guarantee for our programs. It just proves we have created the best of the best systems. And right now, until the end of today, it is all at a major discount. So check it out. It could literally change your life. Links in the description below. I hope so. Let's find out. That's why you said you have different options. Fourth question, putting moving expenses on a credit card.

35:20Why? It depends on the moving situation. If it's like something serious, absolutely. If it's like a serious roommate situation. You know, like I had to do that recently last year. Okay, well, let's hear what you consider serious. Because if someone's in a domestic abuse situation, yeah, put the f*** on a credit card. Yeah, just like toxic. See, that's different. That is very different. A toxic situation to you who, again, you aren't able to do something slightly inconvenient, but you're able to go do everything you want that requires work. So, yeah, what was toxic to you? So the relationship I had with the girl?

35:54Because I feel like your level of toxicity is like, derp. No, the girl that I live with, me and her were just very vastly different with our lives and our lifestyles. And she just wanted silence, and I like music and whatnot. and like so I always try to keep the peace but I felt like I lived in a hurt like I was in a shell it was stupid 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 no lady but then we got into it oh so i can listen to music oh what the world am i living in right now there's more to it nuke clear water i wish i really wish um no so it got worse and worse and then it kind of had a a blowout moment after like four years of living together because Yeah, congratulations.

37:03You had an argument. I've had arguments with roommates too. And guess what? One of them is still my best friend. And I hired to be my number two here. It might have been more physical. So I had to get out of that situation. So I did. You have to get out of it if it's like an endless thing. If you guys blew up and you guys put yourself to that limit, that is a different story. You're humans. Humans sometimes get pushed to that limit. And it fucking sucks. And I'm not saying it. But if you win at her, she win at you. That is not a great situation. That doesn't mean that it is a reoccurring thing that is like a fucking, it sounds like you guys push yourself to the limits.

37:37You're a fucking adult. Fucking listen. If everyone quit their jobs when they got on the spat, every dude that worked on the line just 50 years ago, none of them would be working there. Okay. Yeah. Everyone gets pushed to the limit at some point. We live very cushy lives now. So it's like, yeah, something like that is very dramatic and I get it, but it's not like you walked in and she was fucking beating you every day. Was it? No. No. You guys just pushed yourself to the limits and you backed off and you guys should have kept your separate spaces. And then we have more adult conversations. That doesn't mean it's a credit card situation.

38:10I wish. She was just like our walls were touching with the bedrooms. We had a separate floor plan. Not like living with someone who's not an emergency. Yeah. It was just a toxic situation with her. Again, your level of toxic is boop. You are pretending like it is something more dramatic than it is. I'm not saying you shouldn't move. I'm saying you're making it sound like it was a domestic abuse situation. and it's that level of critical move. No, it wasn't. You were two people that lived together. You pushed each other's butt and so much that you got physical and she got physical, right? Yeah.

38:40Exactly. So no, f*** off. So why would you want to live in that situation and live like a hermit? I'm not saying you would, but it is not equal to a situation where the building is going to collapse. You are bringing that. This is the nuance level that the internet has completely lost. Everything is immediate code red. Boom, boom, boom. The world's going crazy. someone you know fucking i don't know lindsey says like fucking the word or something and people act like she just like went on a mass genocide like there's no nuance on the internet anymore like we're so everything immediately goes to level 10 everything's an emergency that's not an emergency did you move on the next day uh no it was about a month later there we go so you were able to survive for a month i had to find a place and had it ready and everything yeah but you were able to survive a month without all of a sudden you stabbing her in the neck.

39:32I was scared that that was going to happen to me. No, you weren't though. I was. You probably were because again, you push everything to level 10. Yeah, because it was. If I talked to her right now, what would she say? That we were both crazy. Yes. But she was the. And I've had crazy moments with people. We all have. I'm not trying to say you shouldn't live there. Yeah. You should have gotten a new place. Yes. But that is not a nuclear level emergency. see. I felt like it would have escalated to a point. Maybe. Maybe. I'm just pushing back only because I just know where our culture is right now and how people get there and how you have defined every conversation so far of like going to school.

40:13We can't do, even though it's slightly inconvenient, but we're not willing to face that slightly inconvenience, but the slight inconvenience of traveling and having a budget for a concert all the way out in Austin from Florida, you're able to do. So it's obviously the choices. You used it as a way to get yourself your own apartment. I mean, I think I'm reading the situation correctly. I'm going to get a little pushback, and that's okay, because some people have had different experiences, and that's fine, we can agree to disagree. But just based on the conversation I had with you, I don't want to lock you in a box, but I know how your worldview works, if we're being completely honest.

40:49Could you explain that to me? I just did for like 10 minutes. Can you sum it up a little shorter? anything that is slightly inconvenient to you is a no-go but if something is inconvenient that you want to do is a total go you limit yourself in this world in every instance whatsoever and you blame your mental health for it and you sit there and you think about your mental health forever and you let it define your entire life and you fall down these rabbit holes and guess what every little thing that is slightly bad in this world and don't get me wrong having a physical altercation is bad but everything you do it immediately goes to level 10 boom it is the worst thing we must figure out something crazy.

41:25We must go to the most insane levels necessary in our life in order to get out of that because everything is a level 10 bad. We're going to a class on Monday. I'm anxious. Level 10 bad. Everything gets there. And people in that worldview never get anywhere. They live a very unhealthy life. They have no nuance. It's not good. Yeah. So I went back to school last semester and I failed two of the three classes and then I had to get But I bet you still went to raves. I did. I bet you still went to raves. I did. Yeah, so no sympathy. Yeah, because the online thing doesn't help me out a lot. I have to be like in person.

42:02I bet it doesn't. I'm better in person too since I know that. I do it like an adult! Yeah, my... If you're able to go to raves and travel everywhere and f*** around endlessly then you can go to a classroom. You already have ADA f***ing accommodations. Okay? Yeah. Okay? You have... I had a file of appeals. We've put things in measure for you. Take advantage of them. Yeah. I tried. So I requested the accommodations and then I was able to get them so I was able to pass one of the classes online. The other two, I failed. That was the second time I took those. Don't go into a class until you know what the accommodations might be.

42:42Yeah. Sit down with an advisor. There are people willing to help in every instance in life. I did. I have my accommodation letters and everything. So what happened was, so since I failed, I had to file an appeal with the school to take the class for the third time for two of the classes because I failed them twice because I'm not great at math and things like that. And I'm not, yeah, so that's a big thing as well. Math is very, very difficult for me, as you can see. This isn't math, this is behavior. Buying a great outfit for a festival on a credit card.

43:23I've done it but we can't go to a classroom great it's just for summer classes who hit who first be honest with me who hit who first oh she did she pushed me and then I had pushed is different who hit who first me yeah it was a in the face shove. Yes, if you guys are in each other's faces, someone might naturally push. And then you were physical first. My natural reaction is... So now I have, this is even level 10 has f***ed me, but I thought was a level 7. You thought was a level 10. It's now down to a level 5 because you were the one who went crazy. She's the one that went crazy first and touched me first.

44:05You were in her face and so she pushed you out of her face. No, she came into my face and shoved me. And I'm sure you got closer. Listen, I don't know. Of course, because I make contact. Two sides of every story? Absolutely. If I call her, what will she say about that exact question? I don't know what her perception of that would have been. But she said she probably wouldn't. Oh, I just, yeah, I pushed her back and she took it the wrong way. But you don't put your hands on nobody. You don't touch anybody. I come from the hood. And then you put your hands on her. I come from the hood, Sidus. You come from the hood, says grandma.

44:42Well, I come from Broward County, Florida. so I just what's your financial score zero to ten ten being absolutely incredible zero being the worst of the worst I would say about a two okay if you want your hammer financial score take the assessment see where you stand in the world of finances go to calebhammer.com or click the link in the description below you can also go to calebhammer.com slash apply and come on this show we'd be happy to have you here in Austin Texas but only if you don't shove me if we get in each other's faces and if you don't want to be like a guest on the show all you have to do is download my budgeting app.

45:14Just do that. Sign up for the annual version. I'll send you the cookbook and the notebook that can't be purchased anywhere else. I'll sign it personally and mail it directly to you. We're going to start with PayPal. Chunky balance for something making$20 an hour. This is your entire monthly income. This is balance. In fact, it's actually higher. So what's going on with this? Because we're talking$2 ,855.26. What is going on? There was a lot going on with that PayPal card. um so what i have a note saying you told lindsey you're a sleep shopper what the does that even mean so what never heard of this in my life okay so what happens is i have uh insomnia so i take sleeping medication from my doctor um here's your friend uh so since that happens when i take it sometimes i will go to sleep and i will wake up and get on my phone and go on like amazon or something that i will need in my shopping cart and i will purchase it or and And then I'll, sometimes I catch myself.

46:11What should you do? What? What should you do? Discuss it with my physician. What should you do? Discuss it with my physician. What should you do? Keep trying. You're almost there. Return the stuff that I buy. What should you do? Stop taking the medication? No. The return's a pretty good answer, but that's not the true answer. What should you do? Keep my phone somewhere not next to my bed. It's also a good answer, but it's not the literal easiest answer in the world. What should you do? Can you answer it for me? I don't know. What should you do? See if you can get there. Delete the apps off my phone.

46:45Oh, this is crazy. Oh my goodness. A reoccurring occurrence where we can't stop purchasing things in the middle of the night. Yeah, delete it. You dumb tit. What do you think you should do? This is basic. This is, this is crazy. What the fuck? That took me two seconds. How the fuck are you not deleting the app if this is an issue? If you do it one time, delete it. This is simple. Because I pay for Amazon. Yeah, you continue doing this thing in the middle of the night. Delete it. Yeah. Just tell me when you get on your computer in the living room. I don't have a computer. Okay, sure. We live in the Stone Age.

47:20How are you doing remote classes then? The school was going to provide me a laptop, and they didn't have one ready when the classes started as well. So on Monday when class started, I didn't have a laptop either. So they were going to provide one. Is that ADA? So with this school, they have a program for the laptops, and I had to, and I kind of signed up for classes last minute. You can use student loans to get a laptop and I actually relatively support that as long as you're not using it as an excuse to get a laptop more than you need. Oh, I didn't know you could get a laptop with your student.

47:50I thought it was just for books. I believe for basically most things school-wise. Oh, okay. People go and get cars you're not supposed to and that's actually against the rules. Ever feel like running a business right now is just chaos? Tariffs are changing weekly, supply chains are basically held together with duct tape, and cash flow? Yeah, tighter than any grocery budget back in college. And if your business isn't adapting in real time, you're in trouble. That's why you need full visibility on everything. I'm talking global shipments, tariffs, cash flow, all of it. And that's what NetSuite by Oracle delivers.

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49:09That is netsuite.com slash hammer. Tame the chaos with NetSuite. Let's get back to the show. You know me. I'm always preaching about new ways to make money. So here's a twist. High level isn't just the platform you use. You can white label it and sell it as your own software. And that means your brand, your pricing, and monthly checks from your clients. Think Netflix, but you're the one billing them every month for marketing tools. And the best part, you don't have to code a single line. HighLevel built the engine. You just slap on your logo and onboard businesses that need funnels, email campaigns, texting, scheduling, and the whole shebang.

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50:26This is basic. Literally use any second of thought. If you have done something, figure out what you need to do to make sure it doesn't happen again but instead you just give up and you're just like, no, let it happen again. What the fuck kind of life is that? Again, oh, it's slightly hard so we're just not going to do it. That's how you live. Slightly hard to redownload an app so that's how you live. I just didn't have that thought until you just brought it up to me. You don't have any thought apparently because you're not willing to problem solve or anything because slightly thinking about something is slightly inconvenient and if it's slightly inconvenient for you, your mental health gets in the way.

50:59Well, yeah, I got a lot of sub points. So like I have sub points when I think so you might think from point A to B but I have point A to B or C but then I need like A, B, C, B, E. But you see how you're thinking about this and even though that is probably technically correct, because you are willing to only think about this forever, you will not let yourself get out of that. You immediately say, I can't do something because this is what happens with people who have similar mental health things to me. You have prevented yourself. You've built walls. Other people who actually make progress and go beyond actually try to push themselves.

51:34You immediately tell yourself that you can't. I have. As you can tell, I've gotten a degree. I've tried to go back to school a few times. It's just... We're literally talking about deleting a fucking app, lady. Yeah. Deleting a fucking app or putting a phone in a different room. I live in a studio. I'm not talking about getting a degree anymore. Yeah, put it in a kitchen cabinet. Yeah. I definitely need to. See how I can problem solve in a half a second because I actually think instead of immediately saying I can't do something? I wear earplugs at night and then so how am I supposed to hear it in the kitchen cabinet?

52:10Hear what? My alarm for work. Then delete the app or return the packages. These are so many simple things. Your reasons are I can't do anything, and that's the end of the story. Unless it's finding a way to get to a rave. And as we found out, if there are obstacles, we choose FOMO every time. See, and that is what that game proved. If there's something you want to do, you're willing to do the hard thing to get there. But if there's something slightly inconvenient that you don't want to do, oh, no, our mental health prevents us. And here's blah, blah, blah reason why that I found online. I didn't find anything online.

52:44I don't even have TikTok. That's why I said you keep referring to these social media apps. And I'm just like, I found it. Well, this is where a lot of the mindset is. Oh, okay. See, my mindset's not there. Well, no, it is. I just didn't. But you just somehow didn't go down the rabbit hole. Oh, thank goodness. You're a therapist probably. You probably have a therapist that fully enables everything. Which they exist, unfortunately. They're a decent percentage of them. Yeah. They coddle, coddle, coddle. Yeah, no. They're just like, what are you doing? I'm like, I don't even know. I need help. And that's why I'm here.

53:17I agree. But again, you're not willing to do anything that isn't something you want to do. I think maybe having other options available. No, it's options that you want. And you're using your mental health as an excuse for that. If it's not an option that you want that is slightly more convenient to you, you won't do it. It's not just mental health. It's just impositivity as well. Like, I get a lot of FOMO. You're going to say your impulsivity is about mental health. No, it's about FOMO. It's like I see them all going and then it makes me want to go. They don't try to convince me. I convince myself even though I told myself no.

53:56Then I get the ticket at the last minute and the ticket costs more than if I got pre-sales. So, you know, if I get pre-sales, then it's way cheaper. It's$15 compared to the$30 I just paid. So I get into a show. Yeah. You see the videos. And then it's like, oh, I wish I was there. And then I'm like, hey, I could be there in about 20 minutes. I don't wish I was here. Oh, I'm glad I'm here. Okay. How long does this take to pay off if you don't make any purchases and you pay your minimum monthly payment, which, congratulations, you pay your minimum payment, but you purchase. So if you didn't purchase and you paid your minimum monthly payment, how long does this take to pay off?

54:37I would say maybe like a few months. 14 years. Where's that math at? Where's the 14 years? Well, if you only do your minimum payment with the interest accruing and not purchasing anything, you'll pay a total of$8 ,500 and that takes 14 years. So if... Go on. I feel like if you pay maybe like five extra dollars more than the minimum, does that maybe lower it down even? Yes, but I asked if you only did your minimum payment, which is what you do, but without purchasing, which you don't do. Because all you do is purchase I do Especially during sleep time The middle of the payment is$101 during summertime Is that what you said?

55:20No, no, especially during sleep time Return it, you f*** Yeah I do sometimes This is not the most simple thing I sometimes, I do sometimes Pull up your damn Amazon Pull it up Pull up your f***ing Amazon Okay And I need to clarify I need to extra clarify for the audience and for you. I'm glad you're talking while I'm typing so you can tell me that you have to type things in. I have to clarify for you guys. I deeply respect mental health. I give every guest that comes on this show free therapy sessions if they take it. Okay? And that is thanks to Sondermine, who's a supporter of this channel, who I recommend that the audience ends up for as well, and I use them.

56:08You're able to like my orders? I will do it I am talking right now Sorry I'm so sorry I recommend people go to therapy I respect diagnoses Now a lot of people self-diagnose a lot I have diagnosed I have a panic disorder And it absolutely fucking sucks I do have anxiety Like I get it Depression is very real ADHD is very real There are a lot of real things I am pushing back Because of the clear examples That are being shown that when there is something, again, slightly inconvenient that she wants to do, she will do whatever it takes to do it. Ford 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.

56:59Enjoy 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. But if there's something slightly inconvenient that is not the way she wants to do it, mental health is the reason she cannot do it. If you get stuck in this worldview, you will never go anywhere, and that is why I'm pushing back. The toxic thing, once we went deeper into it, wasn't as toxic as we thought. There was a physical altercation. People have physical altercations when they push themselves to the limit.

57:38I'm not saying it is a healthy thing. I'm not saying it is a good thing. But I am saying that clearly she pushed you when you got closer to her when she got in your face. Okay, that sucks. But you went back and attacked her. You were the attacker. So let's not say that you were in the situation. You put yourself in the situation a bit more. You could have walked away. This was a situation where you guys were immediately arguing. It's just the view where we put our boundaries. Not every boundary is respectable. I'm going to be completely honest. And that is there are going to be some really angry TikTokers out there seeing this clip.

58:14But fuck you, honestly. Because if you put a dumb boundary, I'm not going to respect it. No, this is stupid. You've put up barriers when it comes to things you don't want to do. And you've used mental health. And you've really fallen in the rabbit hole. learning everything you can about it so you can use talking points and so that you can tell yourself why you can't do something but then you'll go do the things you want to do and then you'll immediately say it's a level 10 thing because you attack someone so that you can play your music don't touch me first i think she learned that you don't touch so i respect it and obviously she should have moved out but again she's making it sound like it was a domestic abuse situation of which it was not there are different levels there are nuances and there are nuances in every piece of the conversation, even if TikTok, Reddit, and Twitter is not willing to actually have levels and nuances.

59:04I will. So f*** off. We're allowed to have adult conversations in 2025. Alright. Alright. Amazon. What is this? A sippy cup? Professional makeup fat oil It's lip oil Some of my lips don't get chapped From the Florida sun We don't use chapstick in Florida? Okay We do I don't know what this is either Wet wipes Okay We got a dirty asshole Got it Nasal spray Nasal spray Not horribly against that Definitely against this shirt That you probably bought It's right behind You got the beach wear It's actually behind me I bought it for the show And then she doesn't wear it And then some beach wear. Freemade Stargic Espresso and Cream Bowl.

59:55Make your own damn coffee. Toilpaper, I'm okay with that. Comfort Plus, I'd rather, you know, more so go with, well, Comfort Plus is probably good. I don't do Scott. What do we do here? Charmin Ultra Soft. That's what we do. I usually do Angel Soft, but then it was on sale with the Scott, so I just bought it. Okay, we've gone way too far into that. We got more beach wear, which we refuse to, I guess, wear more than once. We got some butt lift stretch denim jeans. Okay, so if you don't have it, we've learned everyone. Thank goodness. I'm glad we know this information, but we do know it's dirty.

1:00:36Box three compartment medicine pill. Yeah, probably need a lot of those. I get it. 4.5 mini makeup bag. To bring on this trip. You didn't, we did not ask for it. You did that. Again, you're using it as an excuse. Travel bag. We did not ask for it. You're doing it. Small makeup bag. We did not ask for it. You did it. TSA approved toiletry bag. We did not ask for it. You did it. You got an identical repeat, just red of an outfit. Okay, I'm good with that gain thing. Makeup remover. You know, absolutely. Sure, that's fine. Molecules. Niaceptum serum. Come on. I get it but just look at the spending that we've done just in less than a month yeah getting these endless body suits your body suit this is that one I think you're getting a sexy top thong body suit yeah so I can cover up my stomach and everything

1:01:39and she got a red version and then she got quick flash 400 one time use cameras This is just, I don't know, this is bulls**t This is bulls**t You get so many different versions of the same f***ing clothes And you just get them like every week 14 years to pay off endless interest This is stupid And yes, it's an Amazon purchase, not surprised Interest this year so far,$286 On one card It's at a 30.99 % interest rate 39? 30.99, so 31 % It does not make it better I mean, I guess it technically does, but that does not make it good. Yeah, I thought you said 39. It doesn't make it good. No, not at all.

1:02:23Return all that. Return it all. That jacket doesn't matter. It's Texas. It's 90 billion degrees. Return it. Florida's also hot. Return it. I washed it already. It's Amazon. Oh. Daddy basis don't care. Maybe they do now. I don't know. Yeah, I know. I don't want to return everything. Delete the damn app. You probably shouldn't have it anyway. Go to the grocery store. Go to the grocery store. I get Walmart Plus delivered. Okay, go to the grocery store. I'm sure you get anxious in the aisles, but guess what? You're in fucking raves. So you are doing that to yourself. Yep. You are choosing at this point.

1:03:08And it's stupid. It's dumb. It's dumb.

1:03:16City Double Cash. I like this card. I use this card. I have this card. You are obviously not a credit card person because you're not using it great. Yeah, I got that one for the perks, and I also spent... Great. Our perk is accruing$50 in interest a month. What perks are you f***ing using? Oh, great. We're also purchasing it on a card. Oh, great. It's maxed out. It's over limit by$49.27, but we're purchasing on it. What are you doing? What a dumb. That's so stupid. What is going on with this? I think I make the minimum monthly payment on it and then what comes back with the interest is more. Yes, but you, because you're purchasing.

1:03:59It's only because you're purchasing. What? I'm not going to let you use that excuse. No, if you're making your minimum payment and interest accrued, you would not be going over the limit. It would go down slightly. Not a lot, but it would go down slightly. However, you are purchasing after you make your minimum payment, but you're purchasing and then interest hits and then boom, it's over. It's over. Nine years to pay off if you don't purchase, but you're incapable of that. So what the f*** is going on here, huh? What are you doing? What are you purchasing on? What do you think you're purchasing on?

1:04:26Let's see. I don't know. I'm going to find out. So you better not f***ing lie. Nope. That one, I'm pretty sure was a festival as well on most of that. And a trip. A trip? To Sedona. What the f*** is that? Arizona. Sedona, Arizona. For the cacti? For peace. Go to the beach. I just did sunburn. No, you're not. Well, you don't look like it right now, but I am. I'm peeling. Yeah, so I went to Sedona because I know it's a big... Peace? Like they have energy vortexes and whatnot, and I did a lot of taking. a lot of energy vortexes and whatnot at the cathedrals. Who am I talking to? A hippie raver chick.

1:05:16No. I mean, if we're bringing up energy vortexes, I can't respect your line of thought. And then sometimes I will do a payment plan for a festival and then I'll just stop paying on it. Sometimes you go to energy vortexes. Let's not move past that. That's the most dumb thing I've ever done in my life. You know an energy vortex? It's like their Earth's magnetic. Yeah, now that's actually real. Yeah. Now what the fuck are you talking about? Energy vortexes are in Arizona at these different places there. Guys, the poles are in Arizona now. No, I have a video of me at one, and it says the cathedral vortex.

1:05:51I have proof. That means nothing. It means they want you to go there. And then ATVing in the mountains and then in the desert. It means they want you to go there, lady. Hiking's free there, so I don't understand. But you had to pay to go there, and you spent money while you were there on food and accommodations. Yeah, we flew into Las Vegas and drove. What the f*** do you think tourism is? Yeah, because I was trying to visit the national parks. But you went for peace? Yeah, because like hiking and out in nature. Hey, f*** you peace. You spend 45 % of your income on rent. You don't have peace. You don't have peace until you solve that equation.

1:06:24Yeah. There is no peace to be found. No matter where you go, no matter what you do, when 45 % of your money goes to rent, there is no peace. You don't solve that until you go to school and get a better f***ing job or just go get a better job working at an office and change your careers or fucking go out and don't spend money on delivery or fucking don't go on these vacations or fucking work a second job or do any of the basic bare budget minimums. You don't have peace until you solve this issue. No matter where you go, a vortex is not going to solve that. Not a vortex in this world will solve your 45 % income going to rent.

1:07:04So don't vortex me. F*** your vortex. Your vortex is bulls***. I live for experience. You live for 45 % of your money going to rent is actually what you live for. In fact, you literally live to go to work because you have no other choice because you've been done with your entire spending, life, debt, existence. No. No, I just don't think I put the tools that I have. Tools? F*** your tools. What tools? You don't have a tool. You're only tools of vortex and it's bulls***.

1:07:36Sorry. You're not wrong, but at the same time, you're not right. What? Because I feel like I can... What am I trying to say? Yeah, what are you trying to say? I'm trying to word it correctly. What's the vortex in you saying? I feel like sometimes I'll pay for like go on a payment plan for a festival so it's more affordable. It's not more affordable? Well, because I don't have to pay the lump sum and put it on a credit card. But this doesn't make it more affordable. But then I'll start paying on it if I know I can't afford it. When you have more minimum fee payments, your life's not more affordable.

1:08:12Again, 45 % of your money is going to rent. Yeah. Adding an additional minimum fee payment is not affordable. Yeah, but then I'll start paying on it after like one or two payments because I realize I won't be able to travel and afford it. So I'll just completely stop paying on it. So it's another. Oops. I have the enthusiasm. You have$0 in retirement at$34. Whoops. Yeah. Sedona. You have$0 in retirement. You're not going to be able to survive. You're not able to go outside. You're going to need retirement. Sedona. The only vortex you'll be seeing are the fucking swirly things going down the drain in a Walmart bathroom that you're cleaning at 80 because you can't afford rent.

1:09:01That's your vortex. Well, hopefully. Because you aren't prepping for anything. You'd rather fuck around. Well, you fuck around and find out, right? And you found out. A hard way, yeah. Like my mom says. I always find out the hard way. Your mom invented that? No, she just said I'm hard-headed. I learned the hard way. She's like, no matter what advice she gives me. Yeah, you don't learn, though. You see the heart and then you keep going. Yeah. And then... You're going in raw. Yeah. But then... And then once it gets to rock bottom, that's when I'm like, okay. No! You've been at rock bottom. You're f***ing...

1:09:40You've been at rock bottom. I've pulled out and now I got back in. I jumped right back in. No! You're at rock f***ing bottom.

1:09:51And then somehow you just put on creative mode and dig through. Like, you just go further. Yeah. I've gotten myself out of debt like twice, and then I jumped right back in. Yeah, but now you can't get back out because you've moved to a situation that you cannot afford. It is a different situation. The math no longer works. It is not different. It is not a copy and paste. What? Your mom will give you money when you're out of money before payday? So somehow, even though mama does support us, you're still f***ing it all up. How? With a support system like that where she honestly, let's be honest, enables you.

1:10:33But whatever. Yeah, it's$50 to$100. You still f*** it over? Yeah, but. And I pay her back. So you're in like a debt cycle to your mom? No, no, no, no. Like, once in a blue moon, she'll help me. Yeah, but then you pay her back the next month, but then you don't have enough money at the end of the month, so you have to take it again. No. What the f*** are you saying? No, just sometimes like when I overspend. Overspend. So mama is enabling your overspending. Yeah. Yeah. In a way. Yes. You're 34. But when I say, could I have$50 for gas money, but then I'll pay her back when I get paid. You're a 34-year-old grown-ass woman.

1:11:09You're asking your mom for gas money. Mm-hmm. Yes. So you can go to a festival. No. Yes, because you spent your festival money, which is why you don't have enough money for gas, which means because you wanted to go to a festival. Yeah. And it's not every week or every month I ask her. It's every few months, maybe. At 34 as a grown-ass woman. Yep. Hey, quick question. How many jobs have you had since college? Two? Five? More? Every single one of those could have left you with an old 401k that is floating around in the void. And guess what? 25 % of all 401k assets get lost or forgotten. And that is not just lunch money.

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1:12:24Let's get back to the show. I'm just glad that I have my mom. I would be too. It is disgusting what you are doing to her. As a 34-year-old grown-ass woman. It's not like I'm taking the money and stealing it or not giving it back to her. Again, now this is not a copy and paste situation. Just like any time you run up a credit card and pay it off every month, All of a sudden we end up in a situation where, boom, credit card smacks out. You have been able to pay back your mom so far. Now 45 % of your money goes to your rent. What happens when you can't? It hasn't happened yet. Yes, you are in a different situation.

1:12:59It is not copy and paste. Just because something has doesn't mean it will. Exactly. Exactly. I said it hasn't yet. Great. Okay, well, yep, tickets and then Amazon. Great. Yeah. $203 on this card alone. So basically$500 in interest. Two cards that we've looked at. Listen, it's not perfect, but if you can't get through college, I'll gift you a course career certification. Get that certification and boost your income at least. That's great for just resume support and getting into a new career field. I'll at least do that. I'll take it. I'll take whatever I can. Yeah, but it's on you to complete it.

1:13:42Okay, Chase Amazon card. Great. Yeah, you spent on Amazon and the PayPal and on the city. So now we have an Amazon card as well. $2 ,135.64. Ten years to pay this one off. We purchased again on a card that is now over maxed out. It is over maxed out, lady. It is fucking, what are you doing? What are you doing? Nonsense. Yeah, you were over the limit on the first card by$560. Over? What? Yes, you were over the f***ing limit on the first card, the PayPal card. By$560. I didn't even see that. And now I realize that the two cards in a row being over the limit, I should probably look back. Guess what?

1:14:27All three cards are over the f***ing limit, yet you purchase on. And no, your mental health does not make you do that. $560. Yes! I feel like I need to pull that up. Well, I don't know. I mean, the fact is hard to see. Maybe it's$56. It's hard to see. It doesn't matter. You're over on both. That just startled me. Sorry. I was just like, wait, wait, wait. I haven't seen that before. It's a disaster. Stop. Amazon. Bullshit. Over the limit. Bullshit. $2 ,135.64. Bullshit. Bullshit. Bullshit. Bullshit. Hey, hey, hey. Bullshit. $71. Minimum to payment. purchasing, interest accruing. So stupid. And then it's Amazon and Amazon.

1:15:20$200 this one. $200 this one. Okay, the PayPal, because it's hard to read, unfortunately, is$55.26 over. Okay, okay. That scared me from like... The 26 combined. Oh. Looked like a zero. I know it doesn't make it better about the same time. No, it doesn't. You're over on the three that we've talked about. We've talked about three and you're over all three. Yeah. That's a good thing to be seen. It's an additional$200. An additional$200. An additional$200.

1:15:51What a joke. I also put on clown makeup and won my alone time.

1:16:03Venture card. It's over the fucking limit. It is. It's over the fucking limit. It's like my baby credit card too. Your baby credit card? What is that? It has the lowest limit. It's like the newest one.

1:16:16not like mom stop supporting her she needs to just she needs to get evicted and find out the hard way one thousand twenty four dollars and nineteen cents she needs to figure out that she can put in a little bit of work for things that is slightly inconvenient and hard for her instead of just putting in work for things that she wants my rent has never been late ever mom supports you can you put all your money on credit cards and now they're over maxed out so guess what in order to live the lifestyle you want to live. You're not going to be able to put them on credit cards anymore. Rent might be late.

1:16:46And it's also not copy and paste. You've only been in there for a little bit and now it's 45 % of your income. Stop saying that because things have been, they will be. It is a different situation. It is getting worse. You have gone beyond bedrock. I heard it's nice there. Where? Bedrock. Where if I have links on the lips. In the Stone Ages. Never mind, no pun intended. No pun given. $1 ,024.

1:17:39Seriously, with these savings, why shop anywhere else? Burlington Deals Brands, wow. $0.19, limit of$1 ,000. Minimum fee payment,$34. At least no purchases on this one, but you couldn't. I mean, you started over the limit, so you literally couldn't. It wasn't via your choice or behavior change. It was you being unable to. Well, I've also locked that card, too. Well, thank you. Yeah, I locked that one. Why this one and not the other three that you're f***ing over? Because, you know, the debt snowball effect with the minimum started with the smallest. Oh, David, she isn't. David. I try, so I locked it so I can't do any more damage.

1:18:22But you did one out of the... Yeah, I know. Okay, yeah. Maybe we should have listened to the other f***ing DVDs. I should have. Because it also says, don't spend on the other credit cards. Don't spend on the other credit cards. You're not going to show you the inside of a restaurant unless you work in there. It's like a perfect representation of him. My wife is probably my sister. Don't know that one for a fact. I'm just going based on the accent. You never know. It's 2025. Well, we're fucking sisters in 2025? I don't know. Not me. But Dave might.

1:19:04David, I'm sorry. Me too. Seven years to just pay this one off. It's$1 ,000 and it takes seven years. $1 ,000 and it takes seven years. You'll be in your 40s. Still$0, still paying off credit cards. $0 in our retirement, still paying off credit cards. Seven years for$1 ,000. That's ridiculous. That is beyond. That is beyond.

1:19:36$95 of interest accrued this year so far on here. 29 % interest rate.

1:19:44That is beyond.

1:19:50I don't understand. This is the fifth credit card and you're over the limit. You've been over five. Five out of five you've been over. I don't know how many there are, but five out of five you've been over. What a f***ing joke. What a joke. What a joke. Yeah, that one is also my oldest one, so I didn't want to close it when I paid it off completely before, and then I spent all of it when they upgraded my... $1 ,111.20. What? When they said I could spend more on it. And then I was like, oh. $37 minimum payment. Yeah. Interest accruing, didn't purchase because you can't. Eight years to pay off. Even further in our 40s, paying off credit cards,$0 in retirement.

1:20:38Less than 10 years to go before you can pull from your retirement tax advantage accounts,$0.

1:20:47So what did you put on this?

1:20:53Right. Yeah. 29 % interest,$100. $100 a year so far. I was going to say, I don't think I've been using that one that much as well because it's, like I said, it was my oldest one and they raised my credit limit and that's when I ended up spending and maxing it out.

1:21:21What the f*** is this possibly? I see a 35.77 % interest rate. What the f*** is this possibly? What the f*** is this possibly? It is a 35.77 % interest rate. That was my first credit card. Wait, wait. It's a loan. Oh, yep. Amount paid at Golden Globe Medical Spa? Yep. Spa? Yep. What the f*** is this? Tell me. It's for my face. As you can see, well, I have some makeup on, but there's some issues with my face that I need to get fixed. What's broken? And what is a spa doing to fix it? Well, it's like aesthetics, like microneedling or stuff like that. What's wrong? Is it just a dry face? Well, I have like eczema and things of that nature, but I also did.

1:22:12So we're trying to fix it or we're going to a spa for 30 seconds? The sun damage and other things of that nature. Go, sunscreen lady. Well, when there's sun damage already, the sunscreen doesn't fix that. Why weren't you wearing sunscreen to begin with? I did. I just forget to reapply sometimes. You can't. You live in Florida. This is basic research. So now you have a 35.77 % interest loan? Yep. That's fucking dumb. It's dumb. This is so stupid. Spa. Spa. Spa. Photofacials and Botox, they're saying. Yeah. So the photofacials for the sun damage. and Botox? It was for the you got me f***ed up lines.

1:22:52Your 11s. I look at people like this all the time because they got me f***ed up like how I have you f***ed up right now. Oh, that is your choice. That is a f***ing want. Oh, no. It's just my expression. That is a f*** want. That is a f*** want. It was. It has nothing to do with anything that has happened. So f*** you. It was. When you explain this at the beginning, you did not say that you got a want injected into you. Well, the Botox was different. That was a different loan. Oh, it's a different f***ing loan. Oh, my. So, spa loan is$770,$88.

1:23:24$128 payment. Stupid. Going to the spa for 35.77%. I haven't heard of that before. That's a new level of f***. New level of just dumb. Oh, good. You opted into a$75 six-month,$75 a month membership. Yeah. As well. That price for the... Oh, thank goodness. For, like, to get the price for everything to get lowered. If you sign up for a membership, you get it cheaper. But that$75 I can use for anything at the end of the suspense. Yeah, you should spend more money. That sounds like a wonderful idea. A wonderful idea. It was impulsive. You should get a membership to spend more money. That sounds fantastic.

1:24:06Definitely impulsive. Greatest choice we've ever made in our life. That probably was, yes. Oh, so here it is. Ah! Did it hire! 35.96 % interest rate This is the Botox? Is this the Botox? How much does that work? Oh, 318 Yeah F***ing Bo f***ing Tox David doesn't suggest that either, lady I didn't hear him say that in the DV f***ing D's And guess what? It's not because he was in real estate Dead and away through bankruptcy

1:24:37$318.16 35.96 % interest rate on Botox Nenimo monthly payment,$17.7. Moronic. Moronic. It made me look at it a little bit. You look your age. I do. Now. It starts wearing off now, and now they're coming back.

1:25:01It's not funny. I'm not. It's a 36 % interest rate. It's a 36 point. Dumb, dumb, dumb, stupid, moronic interest rate. of idiocy. Yeah, that definitely was a choice. Yeah, that definitely was a choice that you made, and then... But guys, the slightly inconvenient things that we don't want to do, we can't do it because... Uh-oh.

1:25:31Sunco's Credit Union, what's this? My car loan. Oh, it's at$15 ,052. Okay. 10.25 % interest rate. That is not good. That's because where my credit was at when I applied for the loan. Yeah, I'm sure your credit's not great now. Not anymore. It was when I applied for that. Minimum monthly payment,$284.85. What is the car? I have a white Mazda CX-5. It's a 2017. What's it worth? I mean, I paid$15 ,000 for it. You paid$15 ,000, but your loan is over$15 ,000? when'd you get it um in september you paid 15 but your current loan is over 15 000 no what no no no it's at 15 000 52 dollars oh yeah no no you no no this is your acceptance oh i don't even know but i'm gonna keep it there either way so regardless it's worth 13 okay because so like i originally so the loan itself was 15 yes 15 and then yeah and that's what I paid for the car.

1:26:37I brought it there with my piece of crap car that was about to fail. It was a 2005 Hyundai Elantra. Okay. Okay. Okay. Okay. Okay. Okay. Okay. It's worth 13. Okay. That's how much I bought a lot of that. It's a disgusting interest rate. Yeah. I'm going to try to refinance once I get a little bit better credit. Yeah. And as well, I really need to get the brakes changed on it. Cause when I first got the car, they gave me the car fact report, everything was done, but the brakes and now I'm starting to feel it but I can't afford it now. Good, good, good. You can if you weren't. Yeah. You chose festivals over your brakes.

1:27:13I did. You chose Botox over your brakes. I did. You're choosing all those copy and paste fucking butt lift things on Amazon over your brakes. And I guarantee your butt looking slightly bigger but still incredibly small is not going to keep you safe when your car crashes? I bought the pants to wear on the show. They're in my bag. Why would you buy the pants? I've never seen your pants. I will never see your pants. And the camera's never seen your pants. And they never will. So why the f*** are you buying pants to be on a show where I literally only see you from here to here? My weight has changed, and I don't fit in and turn out in any of my clothes, so I've had to buy.

1:27:59What does that matter for the show? I didn't know the proper clothing to wear, honestly. There is none. It's just wear clothes. Don't let tit hang out. It's like the rule. Because that's demonetization. Other than that, wear whatever the fuck you want. I don't care. Yeah, I just wasn't 100 % sure. That's why someone's dressed up in African wear, even though it's white as day. Yeah, so I just was unsure of the clothing. So I brought pants and shorts with me and, yeah, sensory. I don't care. Oh, good sensory. And then the weight gain. So that's why I'm buying pants. Yeah. There it is. And that's my student loans.

1:28:43Monthly payment, 525. So what's happening with that right this second is I was doing that save thing and they overturned it. I got a notification just like two weeks ago saying I need to sign up for, because I had an IDR plan. And it was going to be like$132. And they overturned that, I guess, in the courts as well. I got a notification that I was in a 60-day forbearance. And they'll let me know what my new payment's going to be. Well, looks like$525.60. Yeah, so this was about like two weeks ago. So I don't know. They're making you pay back the contract that you signed. it's a crazy concept that's completely okay that I need to pay so I signed for that but they said that listen I get I'm actually okay with income driven when people are in struggling situations I'm good with that but also let's just look at it logically you 100 % knew what you were signing up for when you signed up you signed the contract why the f*** do you get something special I shouldn't I don't think I am entitled to anything special I just I think I just was more uneducated than anything with that.

1:29:52And I did take out more than I needed. I didn't lower the... A lot of people sign just paperwork at 18, go to college. It's just a tradition. Instead of in the course, counselors don't talk about it. And certainly the refs at the school don't because they want you to go there and spend all their money. So I get it. The system is set up to get the person to just sign the dotted line. But we don't live in a stupid age. We have YouTube. We have more resources than ever for seeking knowledge if you really just want to. So it's like, I don't know. It's a hard time. Yeah, so that's what's going on. So I don't know.

1:30:23It's in a forbearance right now. I don't know what the new payment will be. I'm going to find out soon. But they said if they don't come back in 60 days, they're going to put in another forbearance and let me know soon. And I'm like, oh, we'll see. Yeah. So that one is a little iffy. I'll cross it off for now, but that's going to be brutal in the head. Is that all your debt? Yes. Great. I have an ending balance and a checking account of$5. and$0 and then the main one,$16. Yeah, yeah. It's a credit union, so you have to do each person puts in$5 to have an account with the credit union and then there's a savings account and then a checking account in it.

1:31:01But even though we have no money and we can't pay our loans and we decided to f*** our entire life and can't afford anything, we're doing Amazon, Amazon, KFC, KFC, TV, AeroPost, Amazon, Spotify, Amazon PayPal, PayPal more TV, I think you're renting movies Zelle KFC, DoorDash you're DoorDashing but you're not paying your f***ing debt, sure Zelle and out money eBay, DoorDash PayPal, Amazon, Amazon PayPal, going in getting some BS, more tickets and skippers and skippers so two tickets in the month by the way Mo Mo Go. Amazon Wendy's car wash. You live in Florida. Fuck off. PayPal Amazon. Oh, a fee.

1:31:52Some fee. PayPal. Oh, good. Yep. Overdraft. You overdrafted. Last month? Oh, fuck. You didn't even know. Mm-mm. Like, I deposit my checks on two. Yeah, you overdrafted three times. Two. Sorry. Sorry. Two times. You overdrafted twice. Last month? Or in the year? Last month. Okay. Last month. You overdrafted three times last month. Two. I don't know why I keep saying it. No, it's okay. Two times. So that you can door dash and go to KFC and tickets and not pay more towards our debt. Yeah. Yeah. Those tickets got sold on StubHub. Oh, single cat lady headed to her mid-30s. Who would have thought? Extra value meals are back.

1:32:46That 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. Prices may be higher in Hawaii, Alaska, and California and for delivery. This is a complete disaster. I know it since I was born. Huh? I know it would happen since I was born. Why? I don't know. You had a boyfriend. I was honestly mostly just joking about cat ladies That's not even true I had a boyfriend for 7 years and then he destroyed my credit Okay, that sucks But either way, I was mostly just making a joke about cat ladies That's not even true I don't care I have single women friends who are doing very well That's not a bad thing, who cares?

1:33:32You do whatever you want to do, I don't give a fuck But my goodness, you're living up to the stereotype Steak and Shake Wendy's so that we can overdraft our checking account Apple Bill KFC so that we can overdraft our checking account PayPal money going out and then we overdraft our checking account Oh great, wonderful

1:33:52I don't know dude, good luck Yeah This is one of the, I'm gonna make a budget but it's one of those where I don't think making a budget even matters cause like you will make every excuse in the world not to do something cause it's slightly difficult but if you wanna do something like we saw you'll do it. Well, I have my mind set up right now to get this handled. So I think that's going for me. For the next 30 minutes. Total income, we're going to say$3 ,000 after your side hustles and setting aside a little money for taxes from those. Debt minimum payments, let's get that. Let's not include the student loans.

1:34:23We don't know what that payment will be when it hits. I don't know. We'll find out. We'll be good. Debt minimum payments,$795.03. That sounds crazy. What's your rent? Rent. Just rent. So it's$1 ,100, but then I pay$1 ,130. Yes, yes, yes. I know you do other things. I'm asking just rent. $1 ,100. I knew you were going to do that. Okay. Now, what's your utilities? So the water, trash. Oh, come on. You just delivered the fold. It's$200. No,$130. Okay. That's not with electricity. Gas, vroom, vroom, drive, drive. That's not with electricity? No. Add electricity. Okay. It's about 80 bucks on top of that.

1:35:07Okay. So 220.

1:35:13No. Sorry. 210, right? Yeah. Okay. Gas, vroom, vroom, drive, drive. Like$100 now that I'm in the word action. Phone bill. $25. Car insurance? $200. TP fund. Anything else you need to survive? $100. Necessary food? Not much. $300. Use our cookbook. You get it for free. Once they get in, there's a delay in the shipping, but they're almost here. Medical bill, co-pays, things like that. Anything? Doctor's visits are$5. How many a month? Probably two, four, six, four, no, wait, two, four, eight. Doctor visits? I go to the chiropractor twice a week. That qualifies? Okay. Well, that's$5. That's medical.

1:36:01Right? Yeah. Yeah. Okay. And my medications are zero right now unless it's a different tier. You said it's$5 per doctor visit? For specialist, yeah. Okay, so only$40 in co-pays a month? Yeah. Okay, that's it for your medical? Yeah, for now. Okay, subscriptions, no. Cat, age and health? My cat just turned 13. She's in great health. Shit, never mind. Okay, no pet insurance. Won't qualify. Have food, how much? Maybe, because I could buy a big bag and it lasts like six months, so that's like$40. Okay,$40 divided by$6. Okay,$7. Yeah. Anything else that needs to be in your budget that I have not put in your budget?

1:36:46I'm trying to think. Just the cherry things. No, I think that's about it until my student loans hit. We'll figure that one out on a different day. Yeah, you really have no wiggle room if you don't work anything extra. You're actually under by$100 if you don't work anything extra. But if you do get up to$3 ,000, you actually do survive, but barely. But basically no wiggle room whatsoever. $122.70 to be exact in wiggle room. So let's see.

1:37:20616 months to pay off that. Or 51 years. So here's the reality. And this is kind of what I knew was coming from the beginning. The reality is you've got to suck it up, take advantage of the accommodations, Go to a school, community college, whatever you can do that offers the programs that you want to do and actually put in the work and the time and find the accommodations that you can. Put in the effort, the amount of effort that you take to go over the step, to go to a rave, to do a trip, to go to a f***ing vortex or whatever. Whatever you do, that amount of effort, just put even half of it into just trying to find a system that works for you even if it takes you twice as long to complete school.

1:37:55We need to boost our income. If we're going and we're borrowing a little bit more for school for the long-term life, I am okay with that. but you need to boost your income. We've got to get to at least$30 an hour even if that is starting a whole brand new career through the certification or just becoming an entry level desk person somewhere and working your way up or working a second job, working the McDonald's, something on the side. You've got to bring in more money. Those are your options. Once you bring in more money, then yes, pay off the desk, smallest to largest, no spending on them whatsoever.

1:38:22That is not involved in David's, in David's little snowball. He didn't invent it but either way, just because you're watching the DVDs, Yeah, that was a while ago, too. And then we've got to start catching up on retirement. You've got to get a six-month emergency fund, then catch up on retirement. But you need to focus on either school or picking up a second job. Those are your two options, school or second job, or go through bankruptcy. But you haven't changed your behavior, so bankruptcy would just hurt you in the end because you would get back in the situation that you're already in with credit and not getting in apartments and a lot of different struggle things.

1:38:53So if you do go through bankruptcy, at least prove that you can live this lifestyle for three to six months, change your behavior. I don't know man I don't think you're going to do anything that is slightly inconvenient to you you're going to find an excuse to not do it I don't think so my mind is definitely for the next 30 minutes no I flew out here for a reason I'm definitely here for it come back on the financial audit follow up channel I gave you a path forward they're relatively simple paths you just have to figure out which one you want to choose do one of them come back on here in 6 months and the follow up channel and prove me wrong Spending in a budget, you technically spent under what you make, surprisingly, but none of it went towards anything productive.

1:39:35So two out of ten. Debt. It's bad debt. You know, especially for your income situation, it's not the worst debt in the world, but it is a two out of ten. Emergency fund, nothing. Zero out of ten retirement, nothing. Zero out of ten real estate, nothing. Zero out of ten. Hammer financial score rounded up to a one out of ten. Guys, join us in the post show. Maybe I'll call the roommate. Maybe I'll do something else crazy. But we always find extra drama, something crazy that we couldn't talk about in the main show. So make sure you join them. Hammer Lead is the best membership on the entire platform.

1:40:06The head people at the platform have told us that themselves. So just join it. Really help support this channel. It's incredible. I'll see you guys in the post show. If you don't want to be like this guest, by the way, or any guest, no offense to you. Just download the budgeting app. Sign up for the annual version. I'll sign the cookbook. I'll mail directly to you. See you in the post show. Bye. Why do you owe the IRS a dollars? I spent$3 on$1 last month. She told me, yeah, I booked a festival. I'm coming back in October. And then I have a festival in November. What are you doing? You are negative money on a monthly basis.

1:40:42You cannot go to a music festival, period, period, period, period. Are you still planning on going? Yes. As long as I could find somebody to come with me. There should be no yes. There should be no yes. exclusive members content click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content