F*ck This Pathological Liar | Financial Audit

26:09No, it's so much deeper than that. And I gave them my everything. I respect the grind, but I don't, like, fucking jerk people off over them. I'm sorry. Yeah. It's like you didn't take a vacation. A lot of people don't take vacations when they're in. Here's the thing. I did take vacations, but they never let you take vacations because they call you. They text you. Hey, Pandora, we need X, Y, and Z. We need this. Was it a small business? Not, I mean, yes and no. How many employees? 10. It's really hard because that means you are likely an individual contributor. And even though, yes, we want you to take a vacation and we want that, if you're gone for a week, that lightly can shut a lot of things down.

26:49Now it's management's responsibility and trying to fit into a way around it to disturb you less. But in a situation like that, in a small business, it is harder. I get it. I get it as the person who runs this small business and our business is larger than that. And it's when someone takes time off and we want them to, it is still difficult that maybe something didn't happen. Maybe it wasn't fully prepared and a DM is required. Yeah. Whether or not you want to. And here's the thing in all of it, too. There was a period in time in that seven years where I was okay with being that resourceful person and being, you know, reachable.

27:23And I had, you know, there was times where I had reassured. Why are you crying about it? You were grinding. We all grinded out at a job for a while. Well, because there's some trauma in it. And there was some, there's a lot of stuff in it that's like on the emotional side. But in terms of just the hierarchy of everything, I grinded my ass off for this one business for seven years. I left abruptly. And so for the first time in two months that I had no job, I f***ed off and did whatever I wanted to do. And I don't say that. But then you had to budget for that. I know. And also. And I didn't. And also, you told me that's literally what you didn't do.

27:59And also, you told me that's literally what you didn't do. What, five minutes ago? Ten minutes ago? I don't know at this point. So it's like, okay, which one is it? Are we deciding? We're just trying to look good. What are we doing? So we need to have just a fucking reasonable conversation here. I need to know where your brain is. I made mistakes in the two months that I did not have a job. And that is the person that I am afraid of when I have these new jobs with these new incomes. Yeah, I'm afraid of it too. Letting that person bleed into. Especially since you're not going to make as much. Yeah.

28:28You're not going to make as much and you have to set 30 % aside. What are we talking? What was it? A thousand? No, no, no. So$30 for 10 hours minimum right now, plus the$35 an hour for 20 hours minimum. So$1 ,000? Did I get that? 35 times 20 plus$300, so$1 ,000 a week? Yes. Times that by 52, divide that by 12, we're looking at$4 ,333. But after setting 30 % aside, we're looking at making$3 ,033. $400. Not great for Orange County. That's why I'm here, because I want to restructure my finances so I can understand. At a certain cost of living place, though, there is little that just a budget can do.

29:19You can't live in Manhattan on$50 ,000 a year and a budget will just fix it. You have to be in a rent-controlled situation from 50 years ago, or you have to sleep with a rat, or just who knows. Or you just have to make more money or you can't live in Manhattan. I don't know if this is what situation this is. I do have to highlight that this is the minimum amount that I'll make every month because I also have my own business where it's a marketing social media, like digital marketing social media agency that will bring in the additional, hopefully, income and potential clients. But I'm not relying on it.

29:54I'm not relying on it in this conversation. Now that we know if you're lying to anyone, you're lying to yourself until you come around and say the actual truth. What did you spend your money on in between then and now? In the last two months, part of that money has gone to the foundational stuff. But I think the most important to highlight is like rent and my car payment. But in the last two months, it had to go to an attorney because I hired an attorney for a lawsuit that I had to be a part of. For f***ing what? I can't speak to it too much, but— Is it ongoing? Yes. It is. I mean, I'm not a part of it anymore.

30:36I was brought in as a witness, but there was— And you had to hire an attorney? Yes. Yeah, better be safe than sorry. Yeah. What did it cost? $6 ,000. How'd you pay it for them? A firm. Oh, you f***ing affirmed a lawyer to be a witness? Oh, for f***s sake. I had to because it was not only just a witness. I had him overview a lot of contracts to make sure. So this is for work? Yeah. This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? sign up for a SoFi high yield savings account and get a welcome bonus of$300.

31:17Sign up for Acorns using my link and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional sign up methods. So use the links in the resources section of the description below and get yourself$5 ,320 right now. Who's in trouble? Not me. Not me. But I was worried I was going to get in trouble. And so I hired the attorney because I needed a third party attorney. Again, it sounds like potentially this place was a good place to leave. And I support that. Spend a little time grinding.

31:57You already did it for seven years. Call six months more. Save up more money and then leave or apply to jobs like it's your second full-time job and leave when you You get an income. Even if it's less of an income, that is okay. I couldn't, Kayla. I couldn't. I had, I felt, not that I had, I felt that it was in my best interest and for my future and my mental health that I needed to get out now, get a goddamn attorney to protect myself. Why couldn't you save up more money in the seven years you were there then? You only had three months set aside. Because I spent a ton of money from bad habits.

32:29Actions, consequences, and then you were dealing with them. I know, but I want to grow as a person. That's why I'm here because I'm scared of that. Stop with the, that's why I'm here. Such an annoying trope. I'm not like, I am right now trying to get to know you, trying to get where your mind is at. That helps us as we go through the financial situation. I'll get you a budget. I'll give you some tips. I will set you up with all the resources we can. I'll put you all through our classes. You get the premium version of the budgeting app. Therapy with Sondra Bind. We'll do anything. We'll do anything.

32:57I got that. Okay. I cannot fix your absolute you though. Yes. I can't fix that. I am not a therapist. I'm not asking you to. I can maybe readjust your mindset on certain things. I just need to be called on it because I will lie to myself, as you've seen through this little tidbit. If you recognize it, why aren't you doing anything to fix it? When I recognize flaws, I try to do something. Well, I thought I did, and then I had this income come in, and then I blindsided myself. No, no, no. Like, this six-figure job. Yeah, but that was for the last seven years. Yeah, but it kept growing over the last seven years.

33:30and like as You couldn't adjust in seven years? My expenses never changed. From tornado 27, you could not adjust anything. I did. I used to be much worse. I used to be a freaking monster spender. Like we're talking 40, plus$40 ,000 in credit card debt. I don't have that now. I've changed in that regard of like hyper spending or hyper focused spending. Would you say you're living paycheck to paycheck now? No. Absolutely not. I will be probably after we go through the numbers and the new budget with this income. Pretty damn close. All right. Well, where do you think you are in the world of your finances?

34:11Zero to 10, zero being the worst, 10 being the best? Five. How the f*** five? You're draining your emergency fund. When I took the Hammer financial score. Where'd you take it? Two months, a month ago. Like when I applied, I was a nine. and I was like there's no fucking way in hell did you take it correctly that's what I was asking no you wouldn't have been a nine well that's why I was like is it nine out of 50 and like I don't know if I read it wrong I pushed something yes you probably didn't get to the final score it was probably nine out of 50 you probably saw that part yeah probably a two all right guys if you want your hammer financial score take the assessment figure out where you are in the world of finances at calebhammer.com or head on down to the link in the description below also make sure you download my budget app, guys.

34:59Thousands of people are taking advantage of it on a daily basis. New people. And they are signing up for it. They are changing their lives. And remember, when you sign up for the annual version of Premium, I will send you the cookbook where you can't get it anywhere else. I will sign it and I will send it directly to your doorstep. Alright. And if you want to be on the show, make sure you apply at CalebPammer.com slash apply. Alright. Let's go into the numbers.

35:29What the f*** The f*** am I looking at? Camera? Can you tell me what the f*** am I looking at? New camera. New angle. Tell me. The f***? There's nothing here. There's not a balance. Is this a debt? What are you... I don't know which statement you're looking at. I don't know either because he didn't have a f***ing statement. He's done a screenshot. Like a meme. Oh, this is the recent one. This is my Delta American Express. You're spending it on it like fucking crazy. You're spending it on it like fucking crazy. Okay. So you're Amex. Mm-hmm. What's the balance? Right now? Around like 5 ,000? Tito's Handmade Vodka is America's favorite vodka for a reason.

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36:55But you affirmed that, not American Express. Well, no, no, no. There's a$5 ,000 affirm retainer that I had to do to hold him for like all of my contract revisions, all of that stuff. And then I didn't think I was going to get called in as a witness because I was just subpoenaed to be a part of a deposition. And so he had to attend. and when they said, oh, no, you're going to be a witness in this, I had to pay extra to have him attend. How much?

37:24I believe it's now$2 ,200. So the question is, one, that's only half, but the question is, if you had to put$2 ,500 on a thing when you only have$3 ,000 in an emergency fund, no f***ing income, no idea when the income's going to be coming in. Hey, let me continue. You don't even know and you have to be able to pay rent, but that's about to be drained by the time you get paid again. Okay, great, great, great. But we have a credit card. that's really only we have$500 now because$2 ,500 under credit card,$3 ,000 in emergency fund, payments coming, whatever. I don't know, but we got to do our expenses.

37:49So what do we decide to do? What do we decide to do? We double it to 5 ,000? In what world does that make sense? How do you double to 5 ,000? Fucking brewing. Let's go get fucked up. Fucking brewing. Mid-journey. We're paying for fucking mid-journey. Liberty Sports Bar. Stellar Brew. All we do is get drunk and fucked up. No, Stellar Brew is a coffee place. and then caffeinated the next morning. Well, that's different. Main Street Pizza. Wait, wait, wait, wait. Edward Wardreisen Restaurant. Two of those. Two of those. Compassion. Are you going to justify it? Give me compassion on this one. Two of those, I took my friend out who just went through another court hearing.

38:27Not my girlfriend, like my friend. My girl, that's a friend. I'm not dating a woman. I took her out. She just went through court. She had to appear in court. She was a victim of domestic abuse. Stop with these court things. I can't. I was just helping. I was being a good friend. And then during the hearing when we had a break, I took her out to coffee, helped her out there, got myself a little something. It was a fucking rough day. Okay, so you can justify one thing out of a thousand. Two, two, at least the two. Out of a thousand. I took her, we went to go get a drink after, and I was like, of course, everybody offered to pay.

38:58And I'm, you know, I just, I hate this. I don't hate it. I love being the person where it's just generous and just like helping out in the moment. Well, stop, because that's also for yourself. I don't want to. Exactly, because it is a want. I would rather bust my ass and work 10 different jobs. There is a psychological argument that it says that, you know, a lot of the gift giving, a lot of stuff like that, a lot of it comes from selfish behavior, though, because it's making yourself feel good. It's not like you're doing a bad action, don't get me wrong, but at least recognize that it's because it makes you feel good that you're doing all this.

39:28But you're still hurting yourself. I There's That's You hit the Honestly like you hit the nail on the head Of like Self-harm in that way Alright Well That's Not necessarily a core character trait of myself I feel But it has been a lingering demon in my closet You know what else is lingering? Distant brewing Premium That's for you Well thank you I appreciate it The ads actually give me more money But that's okay yeah I do that Australia Hoff restaurant distant brewing membership is it ours? yeah you have the membership to ours? yeah okay then this is the the battle this is the mental battle I have it's like it's a business it's good but what just like or also I'm like a big fan of the show but you're dying but you're fucking dying you're dying dude I don't feel like I'm dying it's like adults should be able to decide what is best for them and we should be able to put out the products.

40:30I feel like, I don't know. You don't even subscribe to the good version. You subscribe to the post-show version, which is fine, but the Elite version has so much more content. Well, I was telling your team earlier, I was like, I really wanted to subscribe, but I was worried that it was going to be a point of contention in our conversation. But we had a free month. Oh, I didn't. Remember a couple months ago? We had a free month. Oh, I didn't. Oh, for fuck's sake. I'm sorry. That's okay. Athletic thing. That's my gym membership. StubHub, StubHub! $356! F*** you, what? It's for my boyfriend's birthday.

41:03Your boyfriend's f*** his birthday? No, because he deserves to be treated well on his birthday. God, suck his... No! Well, poor him. I don't, like, I would... I want to take him to Vegas for the first time. Like, he hasn't been to Vegas. He's, like, sick. Vegas? What the f***? You're an unemployed tit! I don't care. If it means... You don't care. You're a fan of the show and you don't care F*** you That's what I say to the fan of the show F*** you No You don't care I care I care I want you to do well You're a human being that exists No No Why can't he have a good birthday? Maybe his parents should pay for it Maybe he can pay for it Maybe he can get a job Maybe he can make savings Maybe he can stop f***ing yourself Who says I didn't save for it?

41:49Or that I'm not going to save for it? Maybe he's able to enjoy his birthday By not doing something extravagant It's not extreme or like we're going to go see a show. You're traveling to a different state in a different show in a different city. Come on. It doesn't have to be that. It doesn't have to be that. Trust me. Well, you should have seen what I did last year. Trust me. As a fellow man, a back scratch. Boom. Birthday gift of the century. Well, you know what? I appreciate the feedback, but I would like to. Okay, well, we're going to bring him into the post show, especially since he doesn't know your finances.

42:18So fucking you'll see that because you're subscribed. I would rather treat him to something great and an experience. You don't have fucking money. You're not going to survive, and then you'll never be able to treat him again. That's not true. What the f— They said you spent$7 ,000 on his birthday last year? No, that was my dad. Wait, who— Wait, what? You spent$7 ,000 on your dad's? Yes.

42:39I had the money at the time. $7 ,000. That was about a month's worth of your income. Yeah, because it was a month's worth of f***ing income. That one sucked. Because it was a month's worth of income. But you know what? What the f— It was the birthday. It was his 50th. It was his 50th birthday and nobody else was going to throw it for him. And I took it upon. Your mom's not there? No, she passed away. Oh, okay. Damn it. I'm sorry. It's okay. But I had the money and I wanted to. No, he's not remarried. You know what's scarier than financial audit with six-figure debt? Leaving your family unprotected because you kept putting off getting life insurance.

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44:30Fabric has a 30-day money-back guarantee, and you can cancel anytime, so there's literally no risk to apply. So join the thousands of parents who've already done this with Fabric. Protect your family's financial future today. Apply right now in just minutes at meetfabric.com slash Caleb. That is meetfabric.com slash Caleb. M-E-E-T fabric.com slash Caleb. Let's get back to the show. He tried. Sorry, Dad. He tried? He tried. Well, how then? It's just like two personalities that just I feel are not meant to be together, but they kept trying. So what the$7 ,000? The venue and the food. What was it?

45:14It was a restaurant, and it was a private sector of the restaurant. How could this possibly cost$7 ,000? Open bar. And open, like, it's like an open food area. What the fuck are you doing? Well, it's an expensive town that we live in, and it was like supporting a small business. Then you need to learn how to do cheap things supporting a small business. Well, the other one— You're a small business now. Congratulations. The other one was going to be$15 ,000. Great. Let's choose neither of those. Well, it was also a surprise party, so I couldn't do it at the house because it's his house. you know.

45:45Oh, do it at a park, do it. Do it anywhere. I wanted to give him something that not only he could remember, but appreciate in his friends and his co-workers. And now you can't survive and you're f***ed, and it's great. I knew. I put myself in a rough place. He's seen his failure of a daughter dying. But I did not. He would be very proud of me. And he is very proud of me. Does he know your finances? Yes. He knows that you're about to be broken like a second. Kind of. I've worded it differently. Right. Yeah, that's a good way to get someone's proper assessment of what they really think. Manipulate them with your words.

46:19I'm not a manipulator, but I definitely care about perception, which has also killed me in the past. Well, if you manipulate them to perceive you different, you are a manipulator. And a liar. It is what it is, at the end of the day. It is what it is. What was really cool is that he— You just—it is what it is. It is what it is. For being called a manipulator. Okay. It is what it is. My dad got to enjoy his birthday in a very emotional window. I'm not against the heart of it. You have to understand what I am saying. It is your uncontrolled, uncontrolled spending. You are not able to do these things that you want to do.

46:56You are pretending in that situation that you made$300 ,000 a year. You are now living like you still make$100 ,000 a year, and you make$0 right now. So this, like, I'm not against the heart. If you can afford it, if you can budget, do it. No one can budget one month's income to a birthday party. Well, I had budgeted. What's actually crazy is I had budgeted six months in advance because I booked everything in advance so I could sprinkle it across my expense sheet. It's a birthday. It is a birthday. I love planning. I am such a good. I should have been an event planner. But like I love planning for people.

47:32Why couldn't you have planned a better unemployment emergency fund then? I thought I did. You can't plan anything for yourself. you can only plan for others. 10 grand is three months of your living expenses. And that took me out from underneath my feet. No, it's not the attorney stuff. You put that on debt. Just your living expenses constitute three months. $10 ,000. Like, I want to give to my family too. But again, you just have to budget. You're just living off of, like, you make$300 ,000. But, you know, I just, I would give anything for my friends and family. and I'm also being asked by my grandmother for$10 ,000.

48:09What the f***? To her unemployed granddaughter? Yes. She had asked me for$10 ,000. What is this old bint doing? She is not a f***. She is not a b***h. She's a nice lady. What is this old bint doing? I'll give you that. But she had asked me for$10 ,000 for her website because she is a caregiver. Yes, she's a caregiver. She's 82. She cares for the seniors. She is a hardworking immigrant who has never... Mexico. Okay. And she has not stopped working a day in her life since she was in sixth grade. And part of her venture... Yeah. No, she takes her vitamins. She's all about drinking her vitamins. And she is like a steel horse still.

48:54I know, but it's just... I hope she's okay. But so she wants the money to build a website to be a resource to other caregivers. and she thinks that that website... Why can't she just go on Squarespace? She doesn't know better and I'm trying to teach her. I'm trying to teach her and I'm also trying to tell her because she's also... She asked her unemployed granddaughter for$10 ,000 though. I told her no. I told her no. Yeah, but she asked for that. I know. Well, you know, she might be a little tone deaf. It's okay. She's old. I'm, you know, it is what it is. Old people don't get... They're like, they're old.

49:25No, but they get desperate and she's trying... Is she desperate? She's very desperate. She's desperate? She's poor? Very poor. Why? For a reverse mortgage on her condo. So she's been working all her life, but she didn't save anything for retirement? Because she put all of her money into her own business, and she sank a few million in that. What? What? The caregiving business? No. This was for another venture on disposable toothbrushes that she thought she was going to— Is it every toothbrush disposable? We all told her no. Is it every toothbrush disposable? It looks like a mint, and you pop it in your mouth, and you roll it around your mouth, and then that's that.

50:04And then you spit it out and throw it away. But because they were plastic, not environmentally friendly, the government was like, we're not going to buy this because our men overseas are not going to use this. Or men and women overseas are not going to use this. And we're not going to litter all over. Oh, for f***s sake. We all had the same reaction of, like, goddammit, woman, please stop. She took the risk. I mean, that's the point. I mean, that's the point. But that risk also jeopardized all of our family's finances because now my brother and I are getting ready to supplement that reverse mortgage when she dies.

50:35Sometimes the entrepreneur stuff and like many of the wannabe entrepreneurs on the show, a lot of it comes with – it's not just them. It's risk on people around them. It breaks my heart, but that's the position I still want to be in. But she had the opportunity to do that and she chose to do that and now she has to deal with the consequences. No, don't give her$10 ,000. Of course not. She should be ashamed of asking her unemployed granddaughter for$10 ,000. Did she ask everyone? She asked my father, too. Jesus Christ. Yeah, he said no because he also— I have one younger brother. Did she ask him?

51:04No, because he's like 21 and in college. She asked her unemployed granddaughter. That's the reason in my brain I didn't ask her why she didn't ask him, but I told him and he was like freaking the f*** out. It just sounds like your family kind of rubbed off to you, were just bad with money then just different ways at this point. I don't know. Yeah, I think one of the like worst habits I got from my family's generosity is when we see a potential job offering or a potential client or like another small business that's like a family friends will buy that product or you know, support them that way.

51:44Yeah. And like one of the one of the companies that I tried to support was this clothing brand that for two months they had dragged me on of like, we'll give you a job. We want to expand to the U.S. They weren't friends. They were a potential employer. A potential employer. And I wanted to like check out the quality of the product and like experience what the customer would experience. And so I bought like$500 worth of clothes over the course of a month. And unfortunately, some of the quality is just right. What is the minimum monthly payment of the Amex? I don't know. For f***'s sake, pull it up then.

52:19Can I get up my phone? Yeah. Yeah. It is... Oh, apparently you used to be fat. Good job. Yeah, I was a big girl for a long time. How much do you pay a month? For that medication? Oh, soundbuck, yeah. I paid$550. But I used to pay$25 before they rolled out the coupon, and then my insurance would cover it. I turned 26. Then I got booted off my dad's insurance, and then... Quit your job. Then I lost my job and I stopped. You didn't lose. You quit. Yeah. I resigned. My minimum monthly payment. Is that not the same as quitting? It is quitting. Yeah. It is. I say resignation. Was it a government job?

53:05No. I worked for a niche fragrance brand. I don't know what my minimum monthly payment is because it just says zero. Give now. It just says zero. First of all, it's$5 ,833, not$5 ,000. So it's worse. Yeah.

53:23What is Wade? Okay. That's the attorney. I just paid the - In and out. That was for - LinkedIn. I'm canceling LinkedIn. Optimum. Internet. Distant brewing. There's Mozart. She went to Mozart's today. The coffee. It was great. No, actually, the coffee's not that great. But - I loved it. But - And the views. The view and aesthetic is incredible. Oh, my God. And those homes across. Coffee's a bit on the bitter side. They overcooked that. I could see that. It was pretty good. Like compared to at home. Tell Oregon County to stop being stupid. Facebook advertising? $1 ,646? Oh, that was from my previous employer.

54:04So that credit card used to be on their company account for Meta. But do you have to pay that? They paid it. I already paid that off. Oh, for a second. They reimbursed me. But they would use my card. It says plan it. It doesn't say it's paid off. No, you should see there in the transaction. It's at least in here, too. Oh, okay. I do see that. Yeah. Okay. Just answer another restaurant. I was just going to restaurants every second of my life. You're right. I can't see a f***ing minimum monthly payment. And what in the world? Credit limit$32 ,000? No. Oh, f***ing. So scary. I'm not. I don't believe you.

54:33I did before. I don't believe you. I had a really bad past. I don't believe you. I used to get up there. Nope. I'm going to guess it's like$300 a month. Okay. That plus those epic plus car payments. Hold on. I never pay the minimum monthly payment. I tell you run out of an emergency fund before you get paid. You don't seem to understand how money works No I do You can only do that until you don't have any money And you are this close to not having any money Give me this It sticks Stop that It does stick Give me this Oh don't delete the app Not deleting the app What app? What app would I be deleting?

55:10I don't know Delta or Amex or whatever I don't know I don't know You're swiping I don't think deleting the app is going to do anything for you looking at your subscriptions while you're unemployed. Fun employed. Oh, is it not working? Why do you have a phone? I just dropped it by accident. Stop. But it's insured. I pay for the insurance on all of my stuff. Great, it's sticky.

55:38I can't get into your subscriptions. It won't even let me. It's so... It's so... That it won't even let you look. Here, I'll show you. It's not. Here. Oh, gosh. This is—oh, it just went. Here you go. It's loading. Two Apple Cares. One's huge. Yeah. The MacBook? You don't need Apple Care for a MacBook. Come on. Unless you're just throwing it. Apple Music, it's a bit expensive. Apple TV Plus, it's great, but it is. Money when you're unemployed. I should cancel that one. Ben Verify definitely don't need that. Come on. No, my cousin uses it. 22. I don't give a f***. Make them pay for it. You're unemployed.

56:16I know. I know. I know. She's 22 bucks. But at the same time, like, she's single going on dates. I don't care. Okay, I do. Make her just pay for it. Just make her pay for it. I do need to ask her, but I haven't. She had Facetune, then she got skinny and she deleted it. No, I had Facetune for my job. I used that for, like, some of the models that we do. 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. Mmm. Or this tea time you.

56:58Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Used because sometimes they had. Okay. All right. They did reimburse me for some of that stuff. Can I? Did you go to college? Yes. I have a bachelor's in science and business management. Okay, good. Listen, I don't know. As you're along this journey, if you want any additional certification, I'm happy to gift you one from Course Careers. It's what our audience uses. It's what my employees use. It's good stuff.

57:35If you need that, we'll give it. Let's move on because we've been on that card for a second. Apple card. Great. This one I have the hardest time with. because I feel like I don't spend that much, but somehow it accumulates. I know it sounds dumb. It sounds dumb. I'm not, I don't feel like I am. At the end of the day, like it piles up and I don't know. Like I've noticed throughout this journey of kind of liquidating what I need versus what I don't need, where there's some expenditure. What the f*** are you talking about? You spent$1 ,615 minimum on bulls*** this month. A minimum. Minimum. What the f*** are you talking about?

58:13You don't know what the f*** you're talking about. Again, either a f***ing moron or a liar, and we've discovered it was a liar. Don't try to make yourself look better than you are. It doesn't actually help you. Acknowledge your flaws. Move on. Still not a liar. Let me see your Apple balance on your phone. No. How much is it? No, I don't believe you. Just pull it up. For sake. I don't want to. Hold on. It's on$1 ,789.05.

58:56What the f*** are you doing? So stupid There is no need to make this worse $95 minimum to payment 18.24 % interest rate Why? Why does this need to be disgusting? Well I use it to like When I put it on the mirror Uber, Uber, Uber, Uber, Uber, Uber You didn't need all that today No we did because we were getting Because you had fun Well we did like the boardwalk I thought you would have just gone to here Well I did have fun Exactly. You had fun while unemployed and having no money and trading your emergency fund and having to pay lawyers and f***ing around and destroying your life while our grandma's begging for$10 ,000.

59:36She wasn't begging, but she was asking around for sure. She probably doesn't have enough oxygen left to beg. That's her version. No, like I said, steel horse of a woman. She is like 5 '9 and a spicy 4 '9. Hot, funny, and a fry. Some grocery outlet bargain. Etsy, Airbnb, Wall Street Journal. Expensive. 32 bucks? I know. I need to cancel it. Bro. Well, that's the one we use, and that's 45 bucks, so that doesn't make sense. Why? Is it supposed to be more or less? You said you were 500 a month. For what? You were Ozempic. I stopped that. Oh, and then you switched? Yeah. And I do natural supplements.

1:00:16But I haven't gone through with Roe. I just right now I'm talking to the doctor to assess what would be best for. Interest, interest, PayPal. Because I'm also like diagnosed pre-diabetic, PCOS. Like I have a bunch. Yes. How much have you lost? Almost 100 pounds. How are you still pre? It's just my family has a history with diabetes. I was going to say you don't look super unhealthy. Doing pretty good right now. Yeah. I feel a lot better. What the f*** are we getting on Etsy while we're just dying?

1:00:47What the f*** are we getting on Etsy while we're dying? This small business that I love because they create all these... Wear humanoid. Wear humanoid. What the f*** is all this? That's cosmetics. It's the real time. And those were gifts to other people because they were going to promote the brand as in part of my network. What brand? Humanoid. We are humanoid. It's a cosmetics brand. Okay. I think you just need to go get a real job. One real job. I love what I do. Yes, but I'd like you to get paid and not be paying weird money in different places from private accounts. One singular job. Get deep into that company.

1:01:36Grind, prove you're indispensable, move up. I did for seven years. Yeah, but at a potentially bad company. And so I'm doing it again now. You're at a three. Of like starting from scratch. Yeah, but you're at three. You can't hyper-focus. You can't hyper-focus and bring an entity to three. The reason why I spread myself to three is for different experience. My resume has only shown one business in a few different positions, and I'm looking to fly my wings a little, take a little bit of a deep breath, try something new. Deep breath? You can't afford life. Yes, I can. You literally can't? Once I get paid, I will be fine.

1:02:07We'll find out. You're going to be$3 ,000 a month. I know y 'all got ideas and big ones too and maybe it's a short film a YouTube explainer a fake ad for an alien run coffee shop whatever it is the vision is there but the execution that's where things usually fall apart editing timelines voiceovers animations it's a whole production and unless you've got a full team or 40 hours to spare that idea is probably staying on your notes app but thanks to today's sponsor in video ai you can now sit in the director's seat and bring your ideas to life irrespective of your skill level and with 10 million users across 150 plus countries it's the only tool in the market that allows you to generate full-length videos using generative ai say i want a trailer where indiana jones discovers influencers at area 51 indiana's face is a mix of confusion and shock as he watches the extraterrestrial influences one alien spots Indiana casually walks over and raises a collab ring light toward him.

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1:03:45NVIDEO does all the heavy lifting while you stay focused on your ideas. You can try NVIDEO AI for free using the link in the description or scan this QR code on screen. It'll save you hundreds of dollars that you would otherwise spend on editing, animating, and other production costs. so whether you're a creator marketer or just someone with wild ideas this is the tool that lets you finally bring them to life let's get back to the video for orange county and debt minimum that's like because they have told me like we're gonna give you more hours but we just need to start out here that doesn't especially with all the tariffs and going stuff going on right now they've asked you know let's start here but we will use you in other areas that will require more hours.

1:04:27I mean, how much did all this f***ing s*** cost? Look, you're f***ing loaded. Um, that was probably close to like$12 ,000. And that's just for - Tattoos are so f***ing stupid expensive. It's not just for my arms. I have a good portion of my body pretty covered. It's so f***ing stupid. It's just so expensive. But I did all of this. When's the last tattoo you got? Friday the 13th, like last year. Thank you. So not while unemployed. No, I lied. No, nothing while I've been unemployed. I only did it. You gotta stop it. Until you have a six-month emergency fund, no f***ing tattoos. Yeah, I haven't. And I want to.

1:05:08Yeah, no, again. But I'm not going to. Are you? I don't necessarily believe that. I'm not. Look at your spending. $1 ,615. I can't. Because I need to prioritize my money. I agree. You didn't. That's what I'm going to do. That's what I... I would like to believe that, but you did not. leading into this conversation. I am going to. You're a person that says good things and then you don't do them. That's not true. I've liquidated so much stuff since I lost my job where I've canceled subscriptions to like my favorite things of different drink companies or just small stuff that was, you know, I could pull from my paycheck.

1:05:43So stupid. Do you have any tattoos? No. I'm afraid. Do you want one? I've wanted potentially a bass clef right here. I'm not getting f***ing tattooed if that's what you're asking me. I could tattoo you. No, I'm not getting tattooed. I brought you a little gift where it's a stencil and we can put the product on. What product? It's the humanoid product. Oh, you f***ing plug. I just wanted you to have some fun and add some color and, like, experience what a tattoo could feel like. Because I didn't see any on you when I was watching some of the episodes. So, I don't know, have some color, have some fun.

1:06:30No needles? No needles. Only a sticker. You can put a dick right here. I'm not going to do that. Well, that's the only one I consent to. Okay. Well, I don't know, what would you put there? You want me to show you the stencils? Oh, it's not custom? No, you can pick. Yeah, show me the stencils.

1:06:54Let me just get my bag of treats here. Well, I'll just show you one sheet, so it's like, unless you want a few different. Like, I have these designs. Where's the, I think you might like something like that. Oh, this one's a good one too, if you want to try something of that. I have pink, purple, green, red, white. Green for the show. Do this little dinosaur guy. You want to do that one? Let me find this. It lasts for three days. Are you purposely plugging this? No. Because no offense. I just wanted to give this to your team. Like this is a risk of that business. I that's that's you just have to let it dry I feel like a 5th grader a cool 5th grader yeah but this is what they do at the f***ing like park on a weekend that's not what kids have you been to a park with kids yeah I just yeah no I was on a walk just let that dry and I was at I was on a walk and there was like you know kids playing in a playground and a dude was set up doing a little you know little temporary tattoos, little painting things.

1:08:14Okay. It's exactly what they do. Well, this isn't like a water transfer thing, but just let it dry because I kind of applied it a little thick. Do tattoos just show hair because that's all this shows? Well, it's just because it's wet right now. It'll look cool after. I like it. Full product review. Let's find out. Yeah, just let her dry. Let's double the love. Ulta Beauty Reward. Every. Okay. I love Ulta. Why? They love you. You're getting fees and interest. It's a f***ing late fee. Come on. That was my bad. No s***. I know. No, it's f***ing late. It's my bad? What do you mean? No s***. It's more bad.

1:08:54I thought it was on auto payment and it wasn't typical. I get it. Because I was being careless, Caleb. Yes. Is that what you want to hear? Yes. I was being careless. Now what is going to suggest that you will be careful? I have no money, so I need to be careful. Now you're actually recognizing you have no money. Now you're saying that. Because guess what? This whole time you're like, oh, I can survive. No, you're not. Not if you don't have no money. I'm at the point of really being desperate and of, you know, kind of sticking my neck out financially and, you know, making sure I'm not making the mistakes that I used to.

1:09:35and this is unfortunately one of them that I made. But it's not a big fee. Are you kidding me? It's a fee when you're unemployed and have no money and you're draining your emergency fund and building your credit cards to the ceiling. It won't happen again. I've already set it up. I already set it up. None of this will ever happen again. I don't have the physical card so I only had it signed up for one. A digital wallet? No, it's not in my digital wallet. I don't think I don't use it a lot. I only use the. We owe$249.13. $2.58 of interest. $200 of purchases. But then the fees, blah, blah, blah.

1:10:16$40 minimum payment. That one always accrues a baseline of$20 because that's also holding my ChatGPT subscription. Alta? Yeah. The f***. Just easy points. Yeah, but then you accrue interest in late fees. So f*** your points. It doesn't make any sense. And you know what? The only reason why I have this card— Why not have the f***ing$200 version of ChatGPT? Oh, I did. I was reimbursed for that because my work asked me to play around with Sora. Last work? Yes, the seven-year one I had. But I was really bullied into having this card because I used to work for Ulta, and I worked for them for like four years.

1:10:59and when the credit cards rolled out, they were shoving it down everybody's throat in terms of like staff. But let's be honest. And I had said no. You have to spend a lot on makeup. I mean. For that job, I did. And I also got like a discount. You're pretty caked. I mean, this thing is. I'm not caked. I have like a little tinted moisturizer on with bronzer and blush and that's pretty much it and sunscreen. I'm just saying you probably spend a lot at Ulta. Yeah, when I had that job, I was blowing money. No, not now. You do not spend a lot now. No, I only shop the deals when they have like the annual sales and stuff or it's like buy one, get one.

1:11:34But that's to get you to spend. Yeah, but I don't do it frequently. It's a thank you to you? I only do it when I like need shampoo or, and I don't even use that anymore for shampoo. I use like TikTok shop for that stuff because it's a little bit cheaper.

1:11:54Okay. I don't know what the f*** to do with you, man. TikTok f***ing shop. Good luck. 22.24 % interest. All right, still going. Capital One Venture. Venture One. Yes. That one... Balance,$269.93 with a minimum monthly payment of$25. $269 of purchases. Amazon. That is my Amazon card. Pull up your Amazon with your sticky phone.

1:12:35I'm going to get yelled at. If you already know that, then why are you doing it? Because this is still your choice. You can do that. I'm not going to do that anymore. Well, some of the stuff I actually... Which is such a bull answer. Because some of the stuff I needed because I broke my phone screen or I went off that medication and I bought supplements. We needed a notebook and we needed blankets and we needed, oh my gosh, every supplement ever created in the history of the fucking world. My insulin's crazy and I'm going to do everything to like regulate my... I guess we're doing anal. What? I don't know.

1:13:07You got lube. Oh. We're not doing anal. No judgment. We're not. You don't have to be defensive. We're all doing anal here. Right, Lindsay? Jake, we're all doing anal. you just bow yourself on that one but you know the reason I don't whatever I don't need to probiotics artifice notebook come on multiple notebooks in a month some of them are my boyfriends hard show well he pays me back for it it's not like I'm going crazy like some of the stuff is his too airpods with ear hooks yeah well here's the thing food chopper what are we a late night tv No, mine broke, and I needed to replace it. Anti-cracking hard shell.

1:13:56You already have the AppleCare on the MacBook. And what are you doing with the MacBook? I've never seen anyone break a MacBook. The previous cover broke. Trojan Pleasure Prack lubricated. So lubricated. Plus, we got the lube. Plus, we got the... I don't... We're not having children right now, so we're using protection. I'm smart in that way. No, I appreciate it. I appreciate it. Protecting the world from my bad habits. Right now, at least. The child. Yeah, sure. just Javik USDA certified something I don't know extra large magnetic oh it's for depotting my eyeshadows I don't have room in my office space because I also like juggle with some like beauty influencer stuff just kind of as my creative outlet and I'm stop this is all money this is all f***ing money you need you need f***ing different hobbies.

1:14:51You don't even need different hobbies. But there's nothing wrong. You need to be investing. You need to be like actually investing and like making a difference. I am. Not only am I investing in myself and my hobbies, but I'm So you have the Moo Moo app on your phone and you're investing. I have invested in some cryptocurrency. But I did it before it was popular. Okay, so you're a millionaire? No. I had invested in Dogecoin before. It was a penny. I invested $200 and now it's worth$2 ,000, but I haven't cashed it out. I'm not an investor. I'm not, and I never, uh, but the thing is, I should have cashed out a while ago, because when it went up with Elon's whole thing on SNL, I could have made$10 ,000.

1:15:34So you're still hold. I still held. And? And I still am. And it's still over$2 ,000. Then just sell it. Pay off some debt, dude. I get it. I was thinking about it. But it lowers your risk profile. I understand it might Make more money at some point. Lower your risk profile. You're unemployed. You're a contractor. And you can get rid of contractors like this without any fear of legal repercussions. Well, my contracts are pretty extensive in terms of like if they were to fire me, I'm pretty protected. Like the contracts that we've all signed. It's not just like a— I'm sure the equity one maybe. I'm sure there's also a vesting period, right?

1:16:08All of them. That was part of why I have— Is there a vesting period in this equity one? How long do you have to be there? A year, a year. And I'm almost there. Is this done? Yeah, you can peel it off. Okay, it just looks like hair. A dinosaur with lots of hair. And then you can throw that in, like, water and it just goes away. It's, like, made without plastics and stuff. It's, like, supposed to... By the sweat of my palms, it'll start disintegrating. Wow, guys, look. Well, you can, like, play with it. Like, not play with it, but, like, decorate it up. I don't know. Like, imagine if you were at a festival or something and you wanted to decorate your body.

1:16:46I don't know what you do in your spare time. It's none of my business, but if you wanted to play with some color. I go to ACL, but this doesn't scream. I would go to ACL. Well, you would add more designs. The one kind of looks a little abstract. So what do you do when this company goes under? Next week. I don't think it is. That's why I am a part of it. Which one is this, the equity one? Yes.

1:17:09That's why 20 % is worth a few thousand hours. I actually don't know if it's 20 % off. That was just my best guess. Okay. Don't be mean. Don't be mean. Don't be mean. Don't be mean. Don't be mean. Okay. Okay. Oh, f***. Just Kindle, Amazon, Amazon, Amazon, Prime Video, Amazon, Amazon, Amazon, Amazon. I told you it was my Amazon card. We've got Prime Video and f***ing Kindle. Go to the f***ing library. I don't have. Well, there is kind of a library. Yeah, you live in Orange County. Go to the f***ing library. I know. I know. Yeah. Yeah, no. So do it. I don't want to. It's so nice having a Kindle.

1:17:39You're not a credit card person. You f***ing do s***. as the Fizz card. You already know it. You're in front of the channel. Yeah. It's like everyone else. I'm surprised you don't have it. I don't want to sign up to another credit card because I've had these for a long time. It works like a debit card though. It only lets you spend what's in your checking account where the rest of this is. Oh, I don't want to do that either. Yeah, you want to spend more. That's great. No, I just. Oh, here's the car. It's like 5 % interest rate. Not the worst, but of course, not really competing with the market when you're taking depreciation of the car.

1:18:08Yeah, it was definitely on the higher side, but like. A 2024 Ford Bronco? 2022. Oh, 22. Yeah. And it's the version. Bottom tier. No. Second from the bottom tier. It's a great car. It's not a manual. Because I know the expensive Ford Broncos can be pretty expensive. Yeah. Like the upper ones. And I haven't made any, like, modifications to it or anything. Which is why it's only$15 ,860, which for unemployed sucks. But when you had your last job, it's not the worst purchase. It really made sense. It's not the worst purchase. But now having a$451.09 payment is not good. Yeah. I've definitely been prioritizing that one alongside my rent to make sure I don't shoot myself in the foot.

1:18:48What do you think it's worth? In earlier, probably like right now, probably pretty close to what I bought it for. How much? I bought it for$40 ,000. You're f***ing no. It's worth$15 ,000. Oh. We checked. It's worth$15 ,000. You've broken even. and you thought it was worth what you bought it for? Well, there was a moment in time where it was like all the parts shortage. I was offered like 50 grand. No, no, no. This was like three years ago, like two years ago. Sorry, whatever. It wasn't four years ago? It was three years ago. Okay, great. I had an offer for like$50 ,000 and I was like, I needed the car.

1:19:31Now it's worth$15 ,000 because we're in a more closer to normal market. Well, the car's great. It has had no problems, which is surprising for the manufacturer. I'm being told we don't have statements for a firm, but I got to pull it up. Pull up your firm. How many miles are on this car? 23 ,000. What's the condition? Brands big and new. Perfect. Good. She lives in the garage right now. Hold on.

1:20:00And Venmo. Oh, my gosh. Okay. We'll do a firm first. Sorry. It's like going a little slower than I am. I want it to.

1:20:15I'm going as fast as I can, I promise. Oh, you're good. I don't want to look at this. Continue in browser. Oh, but I'm gonna. I don't know. Do you know how to navigate it? Like on the browser? Because I'm not entirely sure. You don't have the f***ing app? No. I don't. Are you logged in? Yeah. Oh, f***. Okay. Kill me now. Yes, I want to. $4 ,585.73 on a phone. And that's primarily the attorney stuff. Due this month. How are you ever going to pay this off if due this month is only$42.67? Well, I didn't choose the most spaced out option because I didn't want to pay that much interest. But every month it charges me for that attorney fee is like$4.50.

1:21:05What does ICON pass? That's for my ski pass. What the f*** are you doing? Unemployed getting a$1 ,200 ski pass? That was for... $1 ,200 ski pass unemployed. That was last season. We do. I had a job when I bought that. I put it on a firm because I couldn't pay it all in front. Oh, but it's still due. It's still f***ing due. No, I paid my last payment on that. Oh, it's past payment. That's all done. Okay, do this week. Okay. That's when I had my job. Okay, okay. I got it. I got it. I got it. What's Ed Hardy Originals? The clothing store. I saw this skirt that I really liked and then I got my boyfriend a pair of shorts for his birthday.

1:21:40I got it. I got it. It went from fat to attractive and then, you know, I had to get new clothes. Thank you. I'd do the same. I'd do the same. I only bought one thing for myself. But we don't finance it. But it was zero interest. So I don't understand the harm. Yeah, but now you're stuck in your minimum monthly payments and your minimum monthly payments is a struggle right now with all these adding up while you're unemployed. That's why. General merchandise, I don't even know what that is, $448.77 due on May 1st. I think that's the attorney stuff. No. That's the big one. That's weighing over my head.

1:22:12I know. Oh, what is this? What is this? Cover FX Ice Cream Foundation? Cover Cream Foundation. Yes. Cover FX is a beauty brand. They had a sale. Everything was$10. You had sales do not justify for you. But there was no interest. It doesn't matter. You're creating your minimum monthly payments that you are getting uncontrollable for you. That's what matters. That's what matters. I wanted it because it was cheap, and they usually charge like 60 bucks, and I just wanted it. Let's see if I know. She's drinking beer that she always pays for in her profile picture. Girl likes to have a good time. Loosen up a little.

1:22:53She likes to spend her money. Yes, I do. Not loose enough. Ordering lots of lube. TikTok shop Yes Just recently There's some good sales on there And I could not help myself And a really attractive person named Charlie Oh that's my One of my best friends That was for a maternity gift No she's beautiful I love her Peacock or Poshmark Poshmark TikTok shop Oh that was for two dresses Does your partner know about this? TikTok shop, TikTok shop, TikTok shop, TikTok shop, TikTok shop, TikTok shop. He sees all of the deliveries. Taylor, who might be potentially attractive, let's keep investigating. No, that was for her house burning down and the LA fires.

1:23:39Really shouldn't zoom in. What the f***? How do you know her? Yeah. Okay. And that was also when I had a job. And my heart went out to her and her community to try to donate. And your money. Well, yeah, that's what I just said, I think. You said your heart. My heart and my money. Okay. I'm going in hard this episode. Okay.

1:24:04Yeah, I mean,$6 ,700 in the checking account, right? But down from$8 ,500. Sounded a good sign. Yeah. My rent's expensive. It's getting less and less. What's in it right now? $3 ,600? Oh, for f***'s sake. So it went from$6 ,700 to$3 ,500. Yes. Yes, it did. Oh. Oh. But I just got my tax return. Sorry, it's$3 ,300. And you're going to be paying taxes next year. Do you want to see it? $3 ,300? No, I don't even see it. The ATM withdraw, ATM withdraw, ATM withdraw, Netflix.com. Oh, the ATM. Venmo, Venmo. We know these are all TikTok shop. No, the ATM withdraw. Venmo, Venmo, Venmo, Venmo. No, some of that's for rent and all this.

1:24:54Venmo? Yeah. Yeah, that's what we just talked about. We did just talk about that. Yeah, there's nothing new. I hope. PayPal, PayPal. Venmo, Venmo. Technolo.

1:25:09I have no idea. A game$14.99. Technolo? N-G-C-A Technolo. I have no idea. It's always great to not know where our money is going to. Well, you know how some transactions they put in weird names and you're like, what the hell is this? Almost ready to dispute it. And you're like, oh, wait, no, that's that company. But they always have some name, weird name. Mormon guys only. Oh, what is this? What is this weird name? Oh, this obviously has McDonald's.

1:25:43You got to use the budget now, dude. I want to. You get it for free forever. I want to get ahead of this because I used to be so bad. Used to? What? I used to be worse. Okay, yeah, let's not use so bad because you are so bad. You brought in$0 last month and you spent$10 ,000. Okay. Well done. $3 ,000, that's our new income after we set aside money for taxes. Okay, debt payments, let's just get that sorted out. Okay, here goes nearly a third.

1:26:23$883.76 housing. What's your rent? Your portion. $1 ,600. Your portion? Mm-hmm. Yeah. We live in a really nice spot, but it's like the best we could get for what we needed and like have a garage and... I don't even want to fucking hear it. But even when I lived at home, I moved to home. There was a moment in time where I couldn't even afford my own rent and I moved home And my dad charged me$1 ,500 a month for my room. So it's nice to at least. So what is it again? $1 ,600. Your portion of utilities including internet? $200. Phone bill? Zero. Mommy and daddy? My dad. Mm-hmm. Vroom, vroom, drive, drive, gas?

1:27:12$90. Okay, we don't drive much. No, I work from home. Car insurance? My dad covers it. You're f***ing so lucky. $300 is what you're allowed to contribute to the food pile on a monthly basis. $100 to the TP fund. That includes all your makeup and everything and lube and all the collections. I bought lube once. It's f***ing multi-gallon. No, it wasn't. It was a little bottle. We use protection and I don't want to, like, break my skin. I do not need to hear about your skin. I don't know. I'm trying to make a little cheeky. Talking about anal and asking your team. That's like a huge HR violation. HR violation.

1:27:51We have the contracts in place as necessary under Texas and United States law when filmed. It is totally good. All right. That is totally good and consented.

1:28:05Yes, Jake signed the anal inquiry clause under the contract. Your medical or health care stuff. I am going to apply for Medi-Cal. What's that going to cost you? Hopefully nothing, but I don't know. Oh, yeah, because you make no money. Yeah. Okay, and Jim? That one's$90 a month. Do you have pets? Nope. Good. No subscriptions. You can have business ones, but that takes out of your, it'll help deduct. Yeah, some of them are my, like, major new stuff. But you don't have much money that we need you to deduct anyway. Okay, anything else that needs to be in your budget that I have not taken into account yet?

1:28:42Obviously, I have a feeling we're going to be f***ed, but luckily, Daddy's here to save the day. That's pretty much it, other than my credit card payments. All right. You are underwater by$263.76. I thought it was going to be a lot worse, to be honest with you. Well, this is you living off of not spending any money on bulls*** and having Daddy cover a third of the bills. You're okay with that? Yeah, you didn't do that. I do want to take my f*** out of the equation. You spent a th***. I can't listen to anything you say. You say you want to. But literally right before you came on the show,$1 ,450 on bulls**t.

1:29:19Yeah. On bulls**t. But. So don't, but listen, I'm done. Here's the thing. What you clearly need to do is a relatively simple solution. Obviously budget, yes. Go through all the classes we did. Those are created for you. Yes, that's the educational part so you know how to manage your money. But the fact is right now you do not have enough money coming in because you can't even break even. Yeah. These three ventures you're doing. Stop. I'm listening. These three ventures you're doing, no. We're not playing an equity long-term position because you can't survive. Go get a real job now. 60, 70 ,000 hours a year.

1:29:49Use your experience. You have a vast amount. Show what you have done, the metrics you can provide, that you will provide value to the company, that you are willing to grind from the ground floor up, but obviously, hopefully at a better place. Show that. Make that money. Break even. Start paying down some of the debt. Build up that emergency fund to six months again, and we need to start retiring. Because you're almost done with your best decade of growth, and I don't see retirement. Well, I mean, I do contribute to my Roth IRA. How much is in there? I've contributed in full for the last five years.

1:30:19How much is in there? Probably like almost$90 ,000. $90 ,000? I think so. I received some money. You are so weird. Oh, there you go. I received some money that I didn't want to touch, so I put it in stocks. That's what it was. Okay. I didn't want to touch it. That's what you need to do is go get it. We're not getting a real job instead of playing kids with these other jobs or playing equity position world. We're not doing it. You literally aren't breaking even. So we can't do it. It's not our choice at this point. Or we just have to go do another make-believe job. It's like – And they're not make-believe.

1:30:55It's like actual social media work. Go do a full-time job. You have good experience. And I'm sure you have great analytics that you can show that you will provide value to an organization. Do that. Okay? Okay. Okay. I don't want to. Right. Well, then you're not going to pay bills and f*** you. Debt. It's not egregious. You just make no money and it's stupid. Debt score, two out of ten. Spending in a budget. Overspent. Because you don't know how to f***ing survive. No wonder it's gone from$8 ,000 to$3 ,000 in like a month. Zero out of ten. Emergency fund. Well, barely anything left. We're at about a two out of ten there.

1:31:33Take it down. Because I'm going to call$2 ,000 of it. And emergency fund. The rest just checking it out. retirement that 90 ,000 is incredible. How much of it was gifted? For your age, very happy. 10 out of 10 real estate, 0 out of 10.

1:31:50Doesn't matter if it's gifted or not. It was there. I would have loved to see that, you know, a little more discipline being the reason that we got there for a sense of pride, but it is there regardless. Just don't fuck it up now. Hammer financial score looks like the site was right. 3 out of 10. Okie dokes. stories in the post show we're gonna bring in the boyfriend who does not know her financial situation and uh yeah we're gonna dig into that and then we're gonna dig into more uh actually there's some drama that we weren't allowed to talk about on the main show that she wanted to keep for the post show so we're gonna dive into that as well it's really juicy make sure you join the elite version for thousands of hours of extra content and download the budgeting app and change your life see you in the post show what do you think her finance on a scale of one to 10.

1:32:33No, what do you think her finances are? I couldn't tell you what I spent last month, let alone what she spent last month. What are your finances? You dated her when she was fat? Yeah. Can I see before and after? Sure. Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.