Disgusting Degenerate Steals $200,000 From Mom | Financial Audit

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. I spend a lot of my mom's money. $200 ,000? Not giving it back. Hold on. That sounds sketchy as f***. So you take advantage of her? Yes. She'll be like, stop taking money. Let's be clear, stealing. Just taking advantage of your mom being a disgusting human being, bottom of the barrel trash. I wanted to confess something to you. You know how much money she's taken from me over the last five years? I don't. $200 ,000 as far as we know. Oh my god. Hi, my name is Heather. I'm 21 years old. I'm from Washington and this is Financial Audit.

0:36Wow, from Washington. What do you do in Washington for a living? I am an office manager. I pretty much, I don't have a lot of responsibilities right now, but I... It's an easy job. Okay. Well, how are you making, how much are you making doing nothing? I make about, I think it's like$1 ,250 every two weeks. Or not$1 ,250. Yeah,$1 ,250 every two weeks. It's your account or that's what you make? That's what I make. Or like that's what goes into my account. $1 ,250 every two weeks? Yeah. So bi-weekly$1 ,250. Cool. Perfect. How do you feel living in that area on$2 ,500 a month? It's expensive and it's hard.

1:22and I struggle a lot especially because I I spend a lot of my mom's money she's probably given me about $200 ,000 in the past five years what that's an insane amount of money how does she give you that much unless five years about yeah let me just do some basic not stupid person math since 16 about doing a 16 that requires starting to get 200 000 what the what are you talking about just taking money from her or borrowing money and not getting it back what the what does that even mean what what what does that even mean what do we know i wouldn't laugh at that that sounds sketchy as what are you talking about yeah i i take a lot of money from my mom um sometimes i'll ask her um i have her card attached to my cash app like her debit card yeah and since 16 you're just siphoning yeah pretty much and i work for her so i i make i make the money from her business and then she kind of gives me so you do nothing at your job get paid some money for it and then siphon two hundred thousand dollars yeah and you say borrow okay what is borrow um oh this is she um pretty much i'll ask her for money and i'll tell her i'll give it back to her and then she 40 000 hours a year on top of your pay yeah sorry go ahead she'll she'll forget um Like this ring, this is my wedding ring.

3:14And I borrowed money, borrowed money for it. She gave us$3 ,000 for it, but it was only$2 ,100. So she forgets. Yeah. So you take advantage of her. Yes. Wow. Okay. Open and honest about that. there's a part of me that at least respects the honesty but i have a hard time respecting the actual reality of it uh i mean you're three years into adulthood what do we do so have you ever gotten a job in your life that wasn't dependent on mommy um yeah what um i worked with special needs adults um i lived in south dakota for a period of time so it was a lot cheaper um and but you were still borrowing money during that time i'm assuming um i went through a period about three months where i didn't borrow money because i had a really good job oh three months out of five years okay yeah wonderful yeah i only made like 15 an hour but um i also was living with my ex um so we were kind of splitting the bills um so you actually do nothing at work no i um i run payroll and i'll like answer phone calls and i handle payrolls once every two weeks yeah yeah that's true okay um and i also handle like our sponsorships and ordering stuff for like you don't have to tell me the business because we don't want to you know put that information out there but like what does the business do um we work with children on the autism spectrum okay so doing what for them um therapy like um teaching them social skills or like how to is your mom a therapist she is not she used to be um she's now like um a behavior analyst so she's like way how wealthy is she and why is it just your mom so is it just your mom your parents are not together no they are uh my dad's retired but you're taking from her you specifically called out your mom yeah um because it's her card yeah her card her business even though my parents like kind of own it together they don't really own it together it's my mom's like the owner how are they um i actually just learned my mom makes uh about 500 000 a year okay 500 i mean that's an incredible amount of money incredible amount of money but making 500 000 a year i feel like you would still very much be like where has 40 000 gone this year even at 500 000 a year i was thinking maybe a couple million okay you know maybe they're like you know dropping the bucket but 500 000 a year losing 40 000 just gone and forgetting about it that doesn't really make sense she calls me out she forgets what do you mean she forgets if she's calling you out what are you talking about what is actually happening sometimes i don't find it funny um she'll like text me and she'll be like why are you taking money stop taking money child so then i'll stop taking money money child yeah she thinks you're a child because you're acting like a child because you've been independent you've been independent three months three months of your life ever We've been independent.

6:48Go ahead. Continue. I think she also forgets, though, because I have a little brother who also likes to take money. What are you guys? He takes money in the form of Steam gift cards. What are they enabling? Instead of what? In the forms of what? Steam gift cards. Don't you do lots of that, too? You do lots of video games. Yeah. How much you feel? Where does the money go? Because why do we have debt? Why do we have collections? if you're siphoning 40 000 hours a year away since 16 plus bringing an extra 2500 bucks a month net how the possibly how do you have daddy of collections what do you mean i you could literally live on 40 a parent according to you you could live on 40 000 hours a year sitting at home doing nothing according to you and what you've done so far so how the possible you have debt because you are in the most privileged position i've ever seen in the history of this show to be candid so how do you have that um i kind of just like to forget that it's there um even though i know it's there what are you talking about i don't want why have it in the first place if you're getting all if you're stealing let's be clear stealing siphoning being a bad person with it how did you get in the day in the first place then honestly i have no clue um oh shut up what does that mean that doesn't make any sense what do you mean um well how do you have student loans if you're getting if you're siphoning 500 000 from her 200 000 from her how do you even have student loans that would have covered school yeah so the student loans um she forced me to take them out and told me that she would pay them and then she didn't pay them um and it's kind of hard for me to like i guess pay it myself when she promised me that if like but should she it's 200 000 hours a year that you've literally just taken from her accounts wait she says stop taking money child is that what you said yes why the f*** is she not disconnecting when she sees you every day at work right no she lives in south dakota i live in washington why don't you listen to her and why doesn't she stop you what i'm so confused honestly i don't know um i mean i know why i don't stop i don't know why why don't you stop then um why don't you stop being a selfish piece of crap because i like to shop um that's worth just taking advantage of your mom being a disgusting human being bottom of the barrel trash washed up on shore needs to be thrown back into the depths of the ocean you'd rather be that no but you are what do you mean you just said i'm not stopping because i want to shop shop and yeah your spending is ridiculous what do you mean honestly i don't know that's not an answer that's not an answer that that is not an answer i guess i kind of just struggle with the whole like stopping myself from buying stuff um like today i bought a whole new outfit for the show um the show the show about not spending money yeah you do what are you that was a um shouldn't even be wearing that health self-love you're not self-loving you're just destroying your mom's finances you're not self-loving yeah um yeah and then i went to bucky's and i spent like a hundred dollars um all in all today i've spent like three hundred dollars um but i was it's i borrowed borrowed money from my mom to do that um but as she said why she didn't pay for your college no the student loans did you ask i have asked her before she kind of voiced conversations like that okay yeah what happens if you confront though hey you said you'd pay for the loans aren't you paying for the loans she'd probably turn it back on me okay but she hasn't um why have you not had this conversation i'd want her to turn it back on you but that's why i'm trying to figure out why hasn't the conversation happened and if so what has it been like um i feel like it'll turn into a fight and i don't like to fight with my mom um especially over finances because you get 40 000 a year from her yeah still

11:29all right let's jump into your finances self-assessed

11:36yeah i feel kind of disgusted self okay self-assessed where do you think you are zero to ten finances zero being the absolute worst ten being the absolute best i'd say probably a two okay why explain um i at least like even though i'm horrible finances i at least make sure that i get groceries that my rent is paid and that oh i make sure that i eat okay yeah that's you being great with finances okay sure um and also that i pay my uh car payment on time Just the car payment. And my rent. But you're picking and choosing. Because you have collections. Yeah. So you're not actually paying your bills, though.

12:24You're just picking and choosing. So the ones that you find to be important you've made, so you think that's good. Yeah. I mean, the collections, I think one of them is from a school, which I tried to fight that one because they gave me a refund. and now they're saying that i owe them the exact amount that they gave me a refund for okay um so i tried to fight it and then i just got like the resolution or whatever from transunion saying that they didn't accept it sure so well there you go now i'm gonna have to pay that and then the other one was an internet company in south dakota that um i had tried to call them multiple times to cancel my service because i moved out why are you in washington um my husband lives there and whatever business your mom owns has a branch in washington um so i was born and raised in washington and so my mom opened her company when we lived in washington then we moved to south dakota okay get your hammer financial score for free it's linked in the description below also if you're an interesting person and you want to have interesting conversations and you actually have finances that you'd like to get your help with and you have a unique financial situation, we like unique diversity of financial situations, or if you have opinions that you think need to be challenged and things like that, sign up.

13:49Come on the show. Come hang out with me. I'll beat you up a little. CalebHammer.com slash apply. Two out of ten, she says. Okay. Okey dokey. Okay. how long have you been in this job um i've been working for her off and on for the past three years since i was 18 years so that explains the three months of independence we have a car loan yes what is your car uh 2016 super cross track okay you so all the money that you steal literally just goes to shopping because again if you're siphoning what averages out to be 40 000 hours a year there's no reason why we'd have a principal balance here on this car of 15 477 why haven't you tried to focus on debt you say you make your minimum payment on this which congratulations basic minimum but why have you not at least used your degeneracy to help yourself um i I honestly...

15:03It's a 13.5 % interest rate. That's terrible. Sorry, go ahead. I honestly just don't... I don't really care to make more than one payment on my car a month. Why? Honestly, because as long as I pay the minimum, my mom won't get mad at me because she co-signed on my car. Oh, my gosh. Something I tell everyone that comes on the show is to make sure they put money in a high-yield savings account and build an emergency fund, right? But so many people forget to do it on paydays. It's easy to let it slip through the cracks. Luckily, today's sponsor, Rocket Money, has the perfect solution for this. Rocket Money's smart savings makes saving effortless.

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16:27To save more and spend less, join the over 5 million members using Rocket Money today. Go to rocketmoney.com slash Caleb or click the link in the description below to get started for free. How does everything connect to this woman? Oh, what is this? Oh, this is definitely a unique situation is a kind way to put this. Yeah, and that makes sense. So are you saying if she wasn't co-signed, meaning she wouldn't care if you missed a payment, you would just miss payments? You only care to make the payments because it doesn't make her upset? No, I mean, I would still make the payments, but they'd probably be late.

17:11Why, though? Why? I typically always, even though, so my first paycheck usually, so the due date is, I think, the 21st of the month, every month. and I typically spend my whole paycheck before that. On what? Going out to eat, going out to just do things. Why is that more important to you? I just like to go out. Oh. I don't like to stay at home. I get that. Why is that more important to you? I guess my mental health. Your mental health. It makes me feel better. Oh, don't f*** me with that. It's making you feel better. it's your dopamine hit it's don't you wouldn't feel bad about missing a payment so you feel good you get the dopamine hit you get the you know you know load me up baby we're going and we're getting all those mcfries or whatever you're doing you know that is a better feeling than any negative feeling or guilt or fear of consequences of missing a car payment um not the fear of consequences i yeah you know what happens when you miss enough of them right yeah the repo man comes yeah i um i missed one car payment uh because i was moving so my finances went to me moving um also destroying your credit making it harder to get any other kind of leverage in the future if you ever need to yeah um but so i missed a car payment and i the next month i ended up paying the past due one but then i was a month behind um and And my mom texted me.

18:52She's like, if you don't pay your car payment, like your car is going to get repossessed. Oh, I forgot your f***ing her, too. Yeah, and I felt really bad when she brought that up. It's a guilt thing. Listen, if for some reason that's the reason you make your payments on time, okay. But I would also like it just because you have any sense of discipline. You're 20, one, you are young, but you are an adult, three years of adulthood. there is certainly a transition period a figure out type period absolutely but if we're starting to go into our 20s and you literally wouldn't care if you missed your car payment if your mom wasn't on it because you would rather go spend your first paycheck on fun like i don't know man that's not that's not screaming much hope for the future that scares me i mean the minimum payment is 386 and trust me you don't make a ton of money taking away the money you steal by$386 at a 13.47 % interest rate.

19:53It's almost 16 % of your net. How's the car? How's the condition of the car? How's the worth? What? So, I mean, my car is in decent condition. It runs.

20:09But... This is condition. It runs. When I first... Well, it's not very pretty on the outside. the bumpers coming off uh when i first got my car last february uh i was at the gas station you mean like the february that just happened no okay year 23 or whatever last year was yep um and i was at the gas station and i kind of just rammed into a pole um and so my bumper is now kind of just ran into a pole what is i kind of just ran into a pole um i mean you floored it and you're just i kind of bumped into it a little hard what is this kind of what are you talking about i asked my ex if i was gonna hit it and he told me no so i kept going and i rammed right into it how quickly it wasn't like two but the cars beat up because of it yeah is that it yeah that's the only um well that's the only like cosmetic issue um but my ac uh has like some sort of like leak that we just found out about right when summer hit something crazy thing plus washington doesn't get that hot so it's been pretty hot these past few weeks there's been a really bad heat wave 85 degrees uh i think it was almost 100 like really days ago or something okay yeah um yeah so there's that uh my husband said my brake pads might be shot husband yes this is a husband situation oh i think you said that and that kind of flew over my head because you've talked about the accident you're married yes does he bring in money yes are you guys combined or split um we're kind of starting to combine starting to combine how long have you guys been married uh about a month we got married on june third how are his finances um he's a little bit better with spending than i am um he doesn't have any debt really okay he's more he's a lot more responsible with what does he think about you literally stealing from your mom sometimes he encourages it if he wants to you guys are gross if he wants to do something um sometimes he'll be like oh like take the 40 dollars like just let your mom know and take it he'll he wants me to let my mom know though like he doesn't want me to just take it and then not hey mom i'm taking money to go have fun she's okay with that sometimes yes most of the time she'll just tell me to let her know before i take money so i don't overdraw her because i've overdrawn her so does she care or does she not i'm so confused about this relationship i i don't know sometimes she does sometimes she doesn't i feel like it's a mixture between you're like taking advantage of the situation and then she also might be enabling you as well at the same time meaning you're never getting like your adult becoming an adult you're never learning a new responsibility because oh something happens mom becomes saves the day if you ever want to have fun we don't have to learn how to budget we don't have to do all this we just save the day listen you and your husband should take our budgeting program go through the budgeting program take all the quizzes take the investing program take all the quizzes take advantage of all that it's like the go through that you guys need to learn that discipline but i don't think that's the core issue here it's it's this weird relationship what do you think the car is worth oh god you owe fifteen thousand four hundred seventy seven dollars on it what do you think it's worth i think it's worth uh about ten thousand last time i checked and i'd probably agree um my original loan was for like 19 000 i think you're pretty close it's worth 11 000 so a little better than that but you're still underwater like 4 400 or so and your plan with this car was this minimum payment so it's paid off what's the term length do you know uh 72 months of course oh america when they um so my parents had to leave when they were like going through all the paperwork and i didn't understand what they were talking about um so i kind of just signed what but your mom was cosider on this so she cosigned and then they had to go somewhere and they said that it was fine for me to just like go through it oh um and i thought what is happening in your house i thought that a 13 interest rate was good um because i think like my credit cards interest rate is like yes yes credit cards are pretty much as bad as you can get besides payday loans yes oh no please don't tell me that it's because something's better than a credit card i promise it's not good dude the s &p 500 the s &p do you know what the s &p 500 is no oh my death okay that's okay i want to do some math on the s &p 500 just for any kind of context of what you have here essentially okay oh i'm gonna read the literal definition so you have it set out for you s &p 500 index or standard and poor s and uh standard and poor 500 index is a market capitalization weight index of 500 leading publicly traded companies in the united states the index includes 503 components because three have shared classes listed essentially the way i look at it and the way i try to explain it to people you're just investing in the united states economy like they're just the major businesses that are running it you're just investing in like a little better than the overall stock market so i open up my muumuu app that's what i use to buy some spy some spy this is almost as good as you get for like an index uh or being able to get following index fund the best return you usually get on average is 30 i wish 10 10 percent you are at 13.5 percent which one's bigger 13.5 yes you have a long time to retirement you have 39 years before you can take it out tax-free getting that 10 that's 15 477 that's sitting there right now would turn into 752 344 if it falls that average 10 a year

26:41but you're actually losing more in interest not over that time i'm not saying you're losing 500 000 but you have a 13 interest on this principal balance you do in these car loans now this is kind of fresh so you're still paying a lot of interest right now you do tend to pay more interest up front less over time more principal at the end does any of this making sense a little bit kind of just because it's less than 30 on your credit card does not mean 13 is good because really the best that you're thinking of and just even in aggressive investing is about 10 10 8 to 12 even the best private funds typically you know compete with the s &p 500 and a lot of them don't even beat it so no 13.5 is not a good interest rate i okay okay i mean yeah i doesn't sound good now that you explain it so explain your capital one quick silver card to me um so i opened that card when i was 19 um and i opened it right after my grandma died uh because i wanted to spend money because i was really depressed oh um the money you're getting from your mom was not enough the infinite money supply yeah at that point i wasn't really getting anything because they were having to pay for the funeral and stuff okay um so i opened up the capital one card um because i had decent enough credit i think my credit was like 660 at the time which isn't the best but for somebody starting out i feel like it's not the worst um and i maxed it out really quick um and then i would make my minimum monthly payments and then um i kept just going through some hardships a little bit um because there were points where like like sometimes like my mom and i would like get into a fight and we wouldn't talk for a minute and then you're not allowed to steal i mean i could have but i didn't because i didn't want to upset her more sure i wanted to be at least a little bit respectful and not be like oh i was just a you and now let me steal your money um so you recognize you're the sometimes okay sometimes it's her but okay i can at least acknowledge that sometimes it's me um so yeah I kind of just racked it up, started paying it off, and then stopped paying it.

29:17And then I go through periods of time where I do pay it or where I don't pay it. So where are we right now? Because it looks like right now you do. The credit limit is$500. So it's not like you can go crazy on here. You were at the credit limit, but then you paid it off. And then you pushed it up again, almost right towards the credit limit again. Yeah. But no interest is accruing. That means you paid it off. So what do we do with this card? So my mom actually paid it off. You know, I thought I legitimately I'm talking to you. I'm breaking fourth wall right now. I thought we had a little piece of hope in here right now.

29:52I put the second because I knew the card debt was going to be bad. And then I was like, we're going to have some hope here. Let's come with a little bit of hope. Are you kidding me? Why is she paid off? She already gives you all this money via that you just take into your cash app through her debit card. And she just paid off your card. She paid it off. What the f*** is happening? to make my credit score higher um why i don't want you to have access to credit or debt dude i don't want you to you don't know how to someone like you who's young who can take advantage of the rewards i want you to open the fizz card i'll give you access to that but you can only spend like you put in it it helps build your credit i agree credit's good but i don't understand what kind of credit you can take advantage of these own you and mom's not always going to bail you out be able to bail you out hold your mom she just turned 43 okay good for her like next not next week last week she's young yeah and i hope nothing happens and i hope she lives a great life absolutely great long life but if something does happen if you do not have mommy to bail you out all this credit card debt that you might get into that you hope she comes and rescues you okay she paid it off she paid it off cool she paid it off cool what is stopping you from building all the way back up like you just did because guess what oh did actually you did we're here this happened so you're at 498 she paid it off and then you spent 392 and what did you spend it on sheen and timu timu timu and no you will never sponsor me to timu stop emailing you're a terrible company timu what'd you even get through timu this is worse quality than this piece of paper and that sheen you're sheening 268 dollars a sheen she pays off your card and i'm like okay let me go get 268 dollars a sheen she's not helping why credit score is not helping because you built it all the way back up to the mexican so what are we trying to do you're fully taking advantage of her oh it's b it's stupid it's selfish it's a great the timu was dumb i can admit that the shein i had actually lost a bunch of weight and my clothes were all too big on me um i had barely any clothes that fit me um so i like but why on the card that she just paid off you built it all the way back up again almost i wanted to come home and have clothes that fit me No, no, no.

32:25Why on the card is the question that I asked with my words and mouth. I had no money. So I used my credit card. But you take money from her debit card to your cash app. Not that I'm even encouraging that either. But you've done that$200 ,000 worth. What's different? You've completely just negated what she did. She did this for you. Wouldn't encourage her to. She's enabling you. Evidence right here. But why? it's so selfish and disgusting does she know she know you built it right back up again um honestly no i didn't tell her

33:11we've done it a few times on the show done a few times on the show if you know in 20 minutes or now once we get through this can i call her or can you call her and tell her yeah yeah she might not answer she doesn't pick up her phone uh text her right now tell her you're gonna call her in 20 minutes and it's important that she would answer you have something to tell her something important to tell her congratulations on losing your weight doesn't mean you have to lose your dignity what what is that little smirk what is happening what i'm sorry i'm sorry you know this is like one of the most disgusting things i've ever seen in my life personally i i can agree it's pretty bad oh you did it you did it if you agree it's bad why'd you do it then huh i don't really have an answer to that we're doing a fast food tier list in the post show i don't know she just lost weight it's not very fair shoving fast food but i guess we're gonna do a fast food tier list in the post show that's fun i love it i'm gonna do it i'm excited oh you have a gift for me i don't know if that's gonna bring me out of the slump of hating this that's okay would you like to know how i lost the weight oh sure so um I used to be 237 and a half pounds.

34:42I was very insecure. I won't go into the story of what happened, but there was something that happened and I spent all of summer and like fall of 2021 just like and spring just being very insecure about myself. So in like end of summer, beginning and fall type thing i got bariatric surgery i got the sleeve wow at like 20 at 19 18 bariatric 18 yeah i had tried the diet but i couldn't keep doing it um but my mom paid for my surgery oh i'm sure she did um it was 16 000 um and i ended up gaining all of the weight back almost after my grandmother passed um because i would go out to eat mcdonald's and burger king just all that 24 7 um so then my mom ended up paying for me to get on weight loss shots the um tears up like manjaro stuff um so then i lost that weight again um and then um my mom just paid again for me to have a tummy tuck and liposuction right now um i was actually supposed to have it last month um but when they put me under they had to wake me up because my blood pressure and my um heartbeat dropped to like deadly levels why why are you getting liposuction um instead of the work instead of working to get rid of the fat oh um because like my mom told me that i probably wouldn't be able to get rid of it so i kind of just followed her advice but but you'll just put it back though it's kind of like the debt when you debt consolidate without changing the behavior people just build up the dead again you're fat consolidating you're gonna build the fat up again without changing the behavior if i went and noah put his little mouth right here and sucked all this all the sickness out of here this would be back in a few months it doesn't change anything i don't know i don't know and it also just feels weird that she said that i'll be honest uh it's a little weird um and i'm not uh i'm not against you know medical shortcuts again it's just more i want to make sure the behavior has changed and she's paying for it yeah do you want to i mean now i don't after they had to wake me up oh yeah that's scary um i'm really scared too but i told my mom that i would go through with it because she already paid for it why does she care so much about i mean she doesn't care she just wants me to be happy okay well i want you to be happy too but don't don't you think you'll just put it back on again what you get i'd hope not okay well that's not anything i i mean i'm trying to eat less like fast food and stuff and um i'm doing a lot better than i was okay um because i used to just eat it every meal every day um but now i will actually make food at home even if it's just a turkey sandwich i'll eat at home instead of going out to eat okay i don't know you you choose what's you choose from there on that but that's wow okay we have student loans yes what did you go to school for do you have a degree you work for your mom um so i've switched my degree a million times it's always been in the field of psychology um wait you spend 500 hours going out to eat i hear if you're spending breakdown i'm sorry i had to interrupt you rewind for a second what are you talking about this you're doing better you spend 500 going out to eat what are you talking about sometimes i go to more expensive places too like my husband and i will go out to restaurants also dude just your miscellaneous bull category which we're gonna go through so much spending here in a little bit is uh 2 ,598 it's literally what you 94 hours more than hits your account on a monthly basis so the rest is borrowed through mommy yeah borrowed wow this is this is insane okay college go um so the first college i went to was i think it was ball state university and i was going for bachelor's in indiana yeah but i was going online okay um i was 17 um i took my ged at 16 graduated early and then that was the whole like deal between me and my mom was i their football teams i would get my ged um because i i didn't want to go to school anymore because i was bullied really bad and online school is just so hard for me like like i don't think um well i can't i can't say this for 100 certain but college is a different experience in grad school i'm sure some people still get bullied but i feel like gosh i never really even saw bullying this is this is it's a very much you know like that's anecdotal that's you know we can't base the whole world off that but i really don't even hear again that's just based on my own experience but i don't even hear of people getting bullied in college yeah no i don't well actually i can't say i don't get bullied in college now because there's this girl at my school who likes to you're in college right now yes oh my gosh okay there's a girl who likes to uh like harass and attack people on snapchat oh well people in general so it's not targeted at you it's like well it's targeted at me and other people at our school because we'll call her out for being mean people on like the school story for no reason okay so she's just a to the whole school yeah okay so it's not targeted at you for being you though yeah okay okay most of the time yeah so you went to ball state online yeah um and i can't remember what had happened but something had happened and i fell behind in school um like two years ago so i left sure um and then the next school i went to was the chicago school professional psychology or whatever the heck it's called okay following mama's footsteps sure yeah so a really exciting thing that you guys should be thinking about is we now have all these extra things with our youtube membership program you can sign up for our post show we talk about extra drama for the episode that we didn't have a chance to dive into why would i want more than one i don't even want one you don't f*** them you just touch them why would i want to do that again because it's fun is that and it's awesome you're good hey bro how is caleb as a lover i would give a solid nine wow how do you get to a nine i just don't know how to answer that because i mean i just do i just do for the upper tier memberships all the people from the crew from over there they come together they make a crew cast and they talk about behind the scenes content and how we do everything here.

41:58I feel like I don't want to contribute as much because I'm already so much on camera. That is the greatest thing I've ever heard. Twice a month Noah and I come here we have a live stream with you guys and we hang out with you we answer questions we chat it up we talk about the show we just have a good time. Caleb reads that book every day. I actually wake up and then I gooned that book in the goon stream. And then most exciting right here at this table with even more pie charts we have an exclusive uncensored ad free financial audit episode for the top tier members that no one else gets to see anywhere else consider joining because ad rates are always up and down we're trying to build something great here and i wanted to make sure to provide the best content and the most amount of content that's ever been in a youtube membership link in the description below um and i i think i can't remember what degree i was going for i can't remember if it was just straight psychology or if it was um applied behavior analysis but i was going through for one of those there um and uh i can't remember why i i ended up falling behind and left that one too uh the next so you can't remember why for both okay that's great that's gonna prevent us from doing it again the last school that i'd went to um well so i went So you've been to three schools and now you're in your fourth?

43:20Fifth school. Oh, my. I went to Colorado Christian University and my grandmother ended up passing away. Okay. Then the fifth, fourth. So I ended up leaving because I just couldn't mentally do it. And then. And I'm sorry. That is very hard. And I do get that. Yeah. It's okay to take time off, especially in a time of tragedy. Yeah. Totally reasonable. And then the fifth or fourth school. What is it called? american like american public university something like that i've heard of that my mom went there um the one now southern new hampshire university how are you this doesn't make any sense what do you think these other ones are going to be what do you think the next one is always going to be better for you i don't know this one though i'm already a third of the way through my degree because you can take classes what are you trying to get a bachelor's in psychology okay with an emphasis on mental health well they don't have that they're focused on tech but i gift it to someone you know we can give it uh i can offer tech certifications to course crews for like accounting and different things like that so if you ever want a resume booster anyone you know wants it i'm happy to give that to you they're pretty cool okay how much have you borrowed total because we have a lot of different student loans here none of them are super high interest rate we do have a couple edging towards that five but most of them are at two what's the total student loan balance across the board oh i don't know maybe i think it's like seven or eight thousand it's not crazy especially for someone who's been to five schools just i guess you leave pretty quickly obviously no minimum payment because you're in school right now yeah okay then collections and this blows my mind how you even got into collections with you're just absolute beyond privilege when people use the word privilege this is what it actually is so collections one That is the school, Colorado Christian University.

45:11You owe$1 ,732. You on a payment plan? Are you on anything? Is it just sitting there? What's going on? It's sitting there. I was going to get on a payment plan after the dispute. I wanted to see first if they accepted it or not. You spent$2 ,594 on miscellaneous bullshit. That doesn't matter. In a singular month. I don't think you need a payment plan. Just literally spend a third on that and you can pay this off. I don't get it. Your priorities are.

45:50Yeah, sometimes. Usually my mom will help me pay off my debt and stuff. You don't need her. Look at your spending, dude. You just have to control it. For f*** sake. I have a headache. I don't I need you to like separate from your mom somehow I need her to like stay alive but not in being like not I just need like you need to not be able to have access to her somehow this is like cause I have no problem with someone helping someone out and I have no problem with asking for help either but what she is doing and taking care of you and babying you and doing all this you're never gonna grow the fuck up or learn how to budget or learn how to manage your finances you're never gonna be able to be independent ever and you take advantage of it so crazy dude your mouth is never delatched from those dude you are still right up on them i've tried to make budgets like with her like not with her money but like with my own money but like go through my spending with her and then make budgets based off of what i make yeah but most of the time like i've done it i always make less than like what my bills and stuff what's your rent my rent right now is 16.95 i was splitting that with somebody um and so i was only paying like get a roommate again so i have my husband living there and he's actually gonna start getting the housing allowance from the army so that will cover our rent completely there you go so you are well within your budget there's no other minimum required bill that's here yeah there's no other minimum there's there's you're totally even when you had a roommate you should have had room in your budget unless you were budgeting like a like this like 800 for fun or something then you're right you probably couldn't afford it 608 dollars in this other collections okay so cash ups your checking account apparently because we're a child okay i couldn't every single time i signed up for a bank they like wouldn't let me and then i finally signed up for us bank but then they held my money hostage like i literally had eight eighteen hundred in there yeah um that they wouldn't let me pull out wouldn't let me transfer what was the reason no clue i tried no no no no no no no no no no no no no no what was the reason i had it no oh they would tell you why oh they said 46 cents they told me there was nothing wrong with my account ask donations 36 so you don't you're stealing money from your mom to donate to someone that was for to get stuff for a game that was probably not a smart decision like you could get like free coins if you did a thing but i canceled it for what i can't remember what game it was it was like just one of those like stupid phone games oh you're getting stupid gems bingo that's what it was bingo your mom's not old enough to steal money for bingo and you're definitely not old enough for that bingo that's my favorite game i went and played bingo on my 18th birthday okay you know that's fun but also we're not getting like we don't consider that's a form of gambling in a way and we don't get to do that when we're in debt and relying on mommy to live yeah that's why i realized that was stupid right after i did it and i canceled it oh okay 36 bucks there pokemon pokemon pokemon what the what is this what is this three pokemon charges in a row 14 11 11 uh what is three pokemon charges in a row i think one of them was for the pokemon pass thing robbing you one of them was for like not the pokemon pass what is it called like the community we or i don't know no i i don't know what it's called but it's like you buy like a pass and then because i play a lot of pokemon go i there better not be any more pokemon in your What are all these Apple bills?

50:02416, 520. These have to be in-app purchases. 416, 520, 312. More T-Boo! $63! What are you? And then more Apple bill. $4.16. $4.16. $14.56. $22.88. $3.12. $7.28. $7.28. What the f*** are these? Some of them are subscriptions for games. Games? How many games? How many games? subscriptions do you have i currently have this is like your addiction what is happening at that point i had two what's that point this is now well so i had um i canceled my bingo one but i had like a bingo like subscription i actually had three and then i had one for yahtzee because i didn't like the ads you're 80 um and then i had another one for like this like um like paint by number or whatever game on my phone buddy this is way too many charges for just a few games no and then some of them are um also microtransactions like within the games um and then get an extra dice and yahtzee yes pay for it actually oh my or not extra uh but like an extra yeah i guess actually yeah extra so you can like restart your turn and stuff restart your turn yeah so you're paying to try to get a full house it's ridiculous yeah sometimes like i'll pay to like get the continental kennels thousand dollars so that centennial centennial yeah centennial that was boarding my dog for how long a month i was in south dakota for a month while my husband was training why didn't you take the dog then a month i couldn't be away from my dog for a month yeah that's insane i i'm actually trying to rehome her because i can't take care of her why um i just don't have the time to what do you mean and like she don't have the time dude do you know what you do you don't even do a job she well so i'm just sitting at home i'm supposed to go into work but i can't because of her she cannot be crated she has to come with me she has such severe separation anxiety that she will literally piss and all over my floor and destroy things well that's different that's less you not being able to take care of her and more uh she might have behavioral yeah issues that are on but did you work like a trainer or something or like anything like or maybe medication she's on medication she's just i'm not she she can't do like she just can't exist without like other dogs pretty much but i don't want to get another dog because i know i don't have that like i can't do that um so i had to board her um while I was um gone in South Dakota because my dad doesn't want her in the house because of that okay well it might be one of those times where we help me actually might be the thing to do I don't know though I'm not a dog expert but you know if it means they live a better life then that's is what matters but you door dashed 7-eleven

53:13I can't remember what I door dashed from there probably can you door dash from 7-eleven I know you can doordash like Slurpees and like food stuff. Honestly, I have no clue what I doordash from there. I've never seen that. That's a first. You may have been the first person to ever do that anywhere. Okay. More Apple. $9.63. McDonald's. $35.42. Holy expensive McDonald's. I might have been buying it for somebody else too. Little Caesars. $46 from Little Caesars. Oh. Oh, okay. So my cousins were spending the night. That's why I spent so much on McDonald's. So you use your mom's money for your cousins?

53:54Do they know that? They're all little. So they wouldn't care. They love when... Little Caesars. DoorDashing Denny's. Buddy, you gotta pick like... Little Caesars and the Denny's were also for the kids. I actually did get money for the McDonald's and Little Caesars from my cousin, but it was put into my US bank account. Denny's is only meant for like 3 a.m. though. This is like... Yeah, they wanted Denny's for breakfast, and I didn't want to take. You fed me about$368. That was my car payment. I was sending it to my mom. Steam games, 520. Will you get a game? What? $52 Steam down here. What are you getting?

54:35That is for CS2. Counter-Strike 2. You're getting skins? Yes, and then I sell them for like. hopefully a profit but i sell them for a steam profit so that i can get games i want on so you can sell them like in um like on like external websites where you can get real money which is what my husband does because he gets like rare stuff but i sell it on steam so i can get money for steam games that i want and usually i'll make a profit off of like the cs skin so and stuff but what's the profit like two three dollars uh sometimes you can't be doing something crazy sometimes it could be i think the most i made was like 75 off of one skin and i had only spent uh 20 bucks but it wasn't even 20 how many of you also lost the money off of be real i don't know a lot that's how it goes yep so yay we had a winner but combine that all aggregate it out who knows okay what's this square enix that is final fantasy buddy is there a game that you've ever forgotten that you don't just spend money in like this is crazy you're obsessive and none of it's even your money it's kind of gross I feel kind of gross zoo I think not f***ing games $100$5 $11 and$67 $5 and$5 and$50 you're getting skins every second of your life yeah I was that one was kind of peer pressure I was on a voice chat with my husband's friends and your husband's friends yeah they all do that too but they all also don't have bills or lives for that matter um so you barely have any bills you've just um kind of what is it like um what is the word like peer pressure you spent 110 on a buffalo wild wings doordash that was for my friend's birthday for um yeah but you spent it wasn't your money sure but you spent it.

56:52I don't know if I can actually counteract this. I don't know if I can get a plan for you. Because you, again, you're just on the... You're just stapled to it. You can spend whatever you want because none of it even matters. Because you're just taking it all. Tebex. That's Minecraft. Minecraft is a one-time payment. It's like, I play on servers where you can do microtransactions to get ahead in the game. To get ahead in online servers? Yeah. What are you getting ahead in like you can mine slightly quicker pretty much Oh

57:30Champ your axe just Go get go to the nether get your experience and enchant the axe the pickaxe On those servers you can't do that. You can't play the game of the servers Why would you even play in it? Well, so on the servers you have to like I play like prison servers where you like mine and so it's just all like mining but it takes a really really really long time to like get anywhere so maybe we should play on a different server where you play real minecraft or something i don't know we're that's such wow they won they won they won they're like let me put something someone let me make the a fun game the most boring game ever and make it incredibly hard for anyone to play unless they give me more money in order to do it and you fell for it yeah i i can admit that i definitely steam steam steam eight day nails so i was getting my nails done um jersey mics microsoft is that is that more minecraft uh microsoft would have i think that's like one of my my i think i think microsoft is my whatever you call it, like my word or whatever.

58:45I'm not 100 % sure. How much have you spent in Minecraft?

58:52Probably like 5 ,000. Are you kidding me? Over the course of what? Over the course of like two years. Two, yeah, about two years. I don't know. What can even be done with this dude? $20 in Starbucks. Great, you got some burnt coffee. some beauty products from gloss demon bunny bay 150 oh that's my lashes oh god why don't you just paint them door dashing safeway you're the only person that door dashes gas stations this is so weird safe is a grocery store oh at least in washington and you door dash your groceries uh sometimes i do um how much was that for and then you don't touch trade aid applebee's circuit m3 oh so that so that was when my husband came home from training and we wanted to go on a date night so we went out to applebee's and we also went to um like this um paranormal well call your mom and tell her thank you for paying for that because you didn't legendary donuts they better have been good for 36 spencer's gifts i guess we're getting things to stick up our hot topic a little less um rated r version venmo this is crazy steam levels so 59.82 that is to like 107 dollars to steam levels that's like up your like level on steam i wanted to make my level higher than my husband's because he purposely bought more levels to be above me what are you guys what is your life what is your existence this is that's i don't even know what to say i have nothing i have no reaction that's just crazy that's crazy i what is there even to say that's just that's that's crazy why the f*** did you do that who gives a s*** to steam point what i i'm just very competitive in that you're not even winning you're buying it that is true yeah really you feel a sense of pride winning anything you cheat in sometimes that's i wouldn't want to play a game with you

1:01:20wish you were competitive to get out of debt wish you're competitive to live a better life than the people around you wish you're competitive to try to not you know still be attached to the mom you know wish you were competitive for you to live a better life but nope you're competitive to get steam points what a joke wendy's venmo 2 000 i was in retirement i'm actually kind of surprised i would have more um but a few years back i got into a really really really bad fight with my mom um and we were not on speaking terms and she had fired me and i wasn't gonna be able to afford to pay my rent she fired you yes because of an argument it was a pretty bad one i go on tell me just give a little about the argument yes yes yes um i can't remember exactly what about like my dad was like anything apparently like my dad was being kind of a dick and so i got into a fight with my dad and then it proceeded to become a fight with my mom and i kind of i threw a taco at her and i hit her golf cart um her brand new golf cart with my car um and dented it a little um so she fired me she didn't talk to me for a while and that was also like right after my grandma died so tensions were just really high already because of that um it kind of all just boiled over um so i pulled out my 401k and i did do the responsible thing i did pay my rent with it i paid my bills and everything i didn't spend it on stupid so you get separated from the teat and you have to drain your retirement because you don't know how to budget and stop sending money because again i mean how much money do you think you've spent last month again what came with your payroll what gave me through payroll uh yeah the 2 ,500 just about okay what do you think you spent six seven thousand and you're just it was 5 ,300 which is insane but you're just like six seven thousand like it doesn't even matter why are we

1:03:43i what can i do please help me turn this into something productive for you i'm sure it's productive for someone out there that's like i don't want to be that and they're like you know they'll actually push into action this helps people keep motivated as they're getting out of debt and all this stuff for some people it's just entertaining so okay it's providing good out there yeah yeah yeah yeah what the can i do for you because that's insane like you didn't even six seven thousand it's nothing doesn't matter what what can i do from you do you even want to change no actually no i want you to answer that first do you even want to change do you want your life that is happening right now to be different or are you just okay with where you are i honestly i i want to be different i want to live the life i live but with my own money i don't want might not be able to do that unless you three times your income so is that the goal then is that what we need to do um does that change any of the responsibility is that not just lifestyle inflate yourself potentially i don't know um because i mean our like our income because now it's me and my husband um and so he'll be getting that housing which is like i think he said like between like 2 ,000 2 ,500 that'll cover all of our bills so instead of being spoiled from your mom you're gonna be spoiled from your husband no um so that will pay that and then i wanted to try to be a little more responsible like what does that look like um putting extra money towards my car really instead of just paying like 30 minutes ago you're like you don't care if you miss a car payment except for your mom's on it so that's why and that's why i want to finish paying it um because i don't want her to have to deal with that anymore is the car the problem here though you spent three times what you made and of that spending 48 of it 41.8 of it was just on like games and bulls**t steam and crap 514 hours was going out to eat grocery store was 1.5 percent of that spending the housing was only 13.3 percent of that spending other large purchases 24.8 percent of that spending the other large purchases was chewy then went out 1200 parchment university docs atm would draw 205 dollars in county records uh yeah the county records was my uh marriage license the chewy was stuff uh it was medication for my dog i don't need an explanation for all of them i'm just saying is the car the problem it's 386 dollars spent 2500 hours on games as much as you bring in from your income so i i don't i don't know you might need a detox from the games honestly you might need to like get away from that you might need to find other things to do because you can't play a game without giving into the pay to play your ea's like wet dream yeah i i did notice that when i was in south dakota for a month i didn't really spend money on games maybe you guys need to move to south dakota i think i'd spend more money living in south dakota because all i would do is play games so your mom doesn't know you built up the credit card i i don't think she does know okay then i don't i don't think there's honestly too like you need to figure out a lot of things but i think a good first step would be at least taking some responsibility I want you to call her tell her that the card she just paid off you built right back up again and it was on close in Timu and I does she know about all the money that you transfer yes she does know about that does she know where it goes and she's okay with it I'm still so confused about this I mean she I don't think she is but what do you say about that i guess i think part of her like reasoning for not like caring too much is like we grew up really poor like we were on food stamps and my parents like pretty much like were i mean they were more responsible than i am obviously because they had two children um but they still like like we were just like dirt poor like i couldn't even like go out with my friends most of the time if they were going and doing stuff so i think that and that's also part of the reason why i spend so much because i just get so scared that we'll get that way again but my spending habits kind of okay well if she picks up uh i want you to confess that you blew up the credit card again and it was on timu and then if i get the opportunity to talk to her i'm gonna recommend that she starts waning you off so she can become an adult and i'll tell her why So let's give her a call.

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1:10:36um and also my name is heather oh god i never would have gone with that okay