Failed E-Girl Blames Men For Losing $250,000 | Financial Audit

28:59You're literally having late fees and hundreds of dollars in interest accruing on a credit card that you are not paying off and only allowing the balance to go up. So I don't want to hear it. Don't try to diminish how bad your situation is or you'll never get out of it because you don't care. No, I do care. Not with that kind of language and attitude. I care just because I'm making bad decisions doesn't mean I don't care. It wasn't just about making bad decisions. You were trying to defend. you're trying to make it seem like it's not as bad it is and if you don't realize how bad it is then what the f*** are we doing Amazon Chase card yes $2 ,413.61 $79 a minute with the payment you could use a card many in our audience use like the Fizz card it's a debit card so you can only spend what's in your account but it still builds your credit you can do that That's a way to do it.

29:55If you want to prove you're a credit card person, that's a good place to start. Because obviously we're not with this kind of balance. And we're still purchasing on it. Was it less than your payment towards it? Sure. But you're still purchasing on it. So we're not making as much progress as possible because guess what? It still takes 11 years to pay off, but you're trying to diminish that with the money you spend on it. And then$54.95 of interest. And also, you started above the credit limit, so. Oh, yeah. Oh, you betcha. How far? Just about, if I'm not mistaken here, it's a bit more on my end.

30:28It looks about$60. Above the credit limit. That's good to know. Oops. See? No, you're right. I don't look at it, and I need to. Do not try to defend this, then. You were just, again, trying to defend your situation, making it sound like it's not as bad as it really is. You didn't even know you were above the credit limit, okay? And that's why you're not spending more money on this, because guess what? even with all that you're only$75 under the credit limit even though even though compared to what you spent on it you paid off$225 more than you spent on it but you're only$75 under the limit well done.

31:04That one I apparently need to look at you need to look at all of them this is not a. That's fair that is very fair. Go please please for f*** sake you get them for free I need you as a guest starting tonight when you get home or tomorrow or whatever it is, go through the debt class so you can learn how to manage this debt, understand it, how to consolidate it, whatever it might be, whatever tool makes sense for you. Learn all those skills. Take the quizzes. Go through our budgeting class so you know how to do all this, and go through this and plug it into places and manage it. Go through it. You get it for free.

31:35They're all bundled together for 15 % off now for you guys, but you get it for free, so do it. I'll be pissed if you show back up here and you didn't do it, okay? it's literally access to just free top of the line education of the stuff that you don't know how to do and you keep f***ing up so take it I will take it I promise it's for f***ing Amazon Music and Kindle glad I'm glad we have subscriptions on a card that we can't pay off and another card that has accrued what would we say I actually I don't even know how many of them are late fees or over the credit limit fees but$200 of fees this year so far well done I am curious what those fees are.

32:14Well, no, because if it's just late fees, then that means I just need to set my reminders. If that's only late fees, then you were late every month this year. Oh, then it can't just be late fees. Exactly, which is even worse, that you have a mixture of late fees and above credit limit fees. That's stupid. That is mismanagement, immaturity, unknowing how to use credit cards as a tool. You just said, well, shouldn't I be able to have access to the tool? You didn't know you were above the credit limit. So no, you can't even come close to these. You need to run from credit cards. You are making them so much money and you are getting no benefit from it because these are all, again, over maxed out on this one.

32:53That last one was pretty close to maxed out. So that's not benefiting your credit. Your utilization is well beyond 33%. Yes. Yes, it is. So what are we doing? What kind of tool are you trying to take advantage of? It's taking advantage of you. Well, the plan I had that was working for a long time was the American Express was explicitly for groceries. For six months? Yes. And then I moved. You said a long time. So I want to clarify. Six months. Go on. The American Express was exclusively for groceries because I earned triple points and cash back when I used it at grocery stores. Oh, you got drawn in so hard.

33:28Okay. Go on. Well, no, because I have paid for entire bills with that card using those points. Oh, yeah. And now you've lost. magnitude 20 times what benefits you've ever gotten by far. Not even close. A hundred times probably. But continue. Your grand strategy that worked for, let's see. Let's see. You know, have a little point or 1.6 % of your life. Your grand strategy has worked for 1.6 % of your life. So go ahead. Tell me about this master plan. the Amazon card was exclusively for Amazon purchases. And the plan was that every time I would make an Amazon purchase, I would set up my debit account bill pay that I would go in at the end of each week and just send a payment straight to that card.

34:21So that way it always had like a zero revolving balance. Sounds like a thrilling plan. And it worked until I moved and fell off of the bandwagon. Because six months is nothing. Correct. Anyone can do anything for six months. Death. Causing death. Okay, like behavior discipline stuff, yes. Yeah. Come on. And I know that these habits take time and I know I fell off the bandwagon really hard because... When was this? About a year and a half ago, I think. So a fourth of the time in the last two years you did okay. When I went through one of my breakups and moved. That was that period of time. That was the cheater.

35:03Why are you not able to control anything? because again, if you were using this correctly, if you were using money correctly, you would have had an emergency fund, meaning you would have not gone into debt through a breakup. The cheater makes sense. Stay in the wrong hole. Boom. Bye bye. But that doesn't mean you go into debt. I never really planned for the future. It's not even planning for the future. That's just making sure you don't get f***ed in life. It's not planning for the future because you don't plan for, you don't know what emergencies are going to happen. Well, right. But having that 12 month emergency fund is like having six.

35:33I wouldn't want a 12 month. That would be my goal. But sure. But having that having that fallback is like planning for the future. And it's funny, I was actually listening to a podcast on the way here that talked about psychology behind like the way that people spend. And one of the things that they talked about is breaking out of the mindset that like if you grew up poor, that when you get a bunch of money, you are uncomfortable with like holding on to it. I definitely think that that's a big part of why it happened. It's not a good reason for it, but I do think that's part of why it happened, is because these triggers would happen and I would just be like, oh, no more bandwagon, back into the old habits, back to what's comfortable.

36:12Almost$1 ,000 in interest is here so far on this card alone. Ooh. Insane. Yeah, yeah, no kidding. And again, you didn't even know it was a couple of minutes. No, I didn't. All right, Barclays. For what? Is this a standard Barclays? So that was, I originally opened that card when I was in college. I used it to finance my MacBook for school. Classic. All right. I did pay off the MacBook. I didn't get any penalties or interest on it. And then that was the same card that had the balance transfer deal once I paid off the laptop. Cool. Well, you owe$1 ,072 on here. The total credit line of$1 ,300. It used to be a lot more.

36:55I'm glad it's not because, again, you don't know how to manage access to debt.

37:03Yeah. So I would not want you to have it. It takes six years to pay off with the minimum monthly payment.

37:16There is not a card that we've looked at that hasn't had basically$200 in fees this year so far. you keep talking about the six months or you did well i wouldn't care if you did well for 20 years if the three cards the first three cards that i put in no particular order by the way the first three cards we looked at all had late fees and above credit limit fees i would never want you to even look at a credit card again for the rest of your life that's beyond insane people on the the show up all the time. That doesn't mean they have late fees and above the credit limit fees. Is that for the whole year?

37:56Yes. Okay. So in my defense this year, I moved to Louisiana. Listen, in my defense, you move every second of your life. So I don't give a, that's not a reason anymore. You always move. That is your choice. Moving doesn't mean let's our life or maybe we wait until we can afford to move. Come on. That's not an excuse. You chose to move to New Orleans. I was in a dangerous situation. Oh my gosh. Oh my. So we have to move. Yes. Okay. Yes. Oh, okay. The holidays are here. And if you're anything like me, your budget is feeling the squeeze between buying gifts, stocking up on holiday food and other expenses.

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39:43To find out how much you could earn, click the link in the description below to download Upside and use code HAMMER to get an extra 25 cents back for every gallon on your first tank of gas. Or scan the QR code to claim this offer. Thanks to Upside for sponsoring today's video. Now, let's go back into the audit. And to be fair, in your defense, I was unemployed when I first moved down. Okay, so it wasn't just about that then. No, it was I took my I dragged my feet finding employment. And then when I did find employment, I can also ask a question again. Yeah, I'm not unsympathetic to anything you've been through.

40:16It's just I'm trying to deal with all the things. Sorry. So no, it's OK. I'm just trying to figure out how it all comes together. And it's immediately a difficult perception or not a perception. Well, I guess I can be perceived. So but either way is the difficult thing about it is any time that anything ever you any anything is bad in your finances, it comes down to something else beyond our controls. It's like, what can I do? Then this isn't a conversation that even involves me. Right. But even still. Why do you have to move like states and cities and why does it have to be this massive move that costs thousands beyond thousands of dollars?

40:56I didn't pay for all of the move. Well, even worse then. So fair. My roommate got out of the military and so he helped pay for that move because we moved in together here. That's worse. Yes. Right. And so the first maybe four months of this year, I wasn't doing a lot of content creation because I just didn't want to. Good. Don't do it if you don't want to. Right. But I wasn't. I'm fine with that. That's true. But I was living beyond my means. Well, that's not chill. Why didn't you go get a job? Why didn't you pour some coffee? Why didn't you drop some McFries in that grease? So I was applying to some jobs.

41:35I was not putting my best foot forward. I was just kind of holding on until the move because the move was in March. Oh, you're talking pre-move. Yeah, yeah. Pre-move. I wasn't doing a lot of... What about once you got there? Dealing with unpacking and... Oh, come on the f*** on. Everyone unpacks when they move. Well, there was a lot of shuffling around. I've had a job when I unpacked things. That's fair. There was a lot of shuffling around, and I didn't prioritize it when I absolutely should have. That is absolutely on me. And, yeah, there was just a lot of shuffling around. We ended up moving three times in a few months.

42:13I don't. We had a friend we were supposed to move in with, and he ended up being a raging douche canoe, so we had to get out of the race. Is there anyone in your life that's not a piece of shit, apparently? My roommate. One person you've ever met. No, there's a few, but I don't live with them and they don't affect my living situation. So.

42:31Remember when I said I had really bad decision making skills? It's not just financial. But it's all not just you, though. You have been in bad situations. That's the hard part. That's the hard part of this conversation is I'm trying to figure out how to navigate. Well, the biggest issue for me is that despite all of the things I do manage to 90 % of the time make enough to cover what. You made more than you spent. Right. Which makes all this more stupid. Right. That's the biggest problem is that I'm just making stupid decisions, like not looking at my statements. That annoys me to hear. I'm sorry.

43:04It annoys me to be this way. I'll tell you why. You know this. So why the don't you do it? I will never understand. I will never understand when I probably do stupid stuff all the time. It happens. But once I at least realize it, that's when I try to do an action to prevent it. If you're doing something stupid and you don't know, you're just ignorant. That's fine because you're just ignorant. You're not ignorant to it. I think I was ignorant to how bad it was because I didn't realize. Sure, but you knew it was bad. I knew it wasn't where I wanted it to be. So why not try to get it to where you want to be?

43:39I have made little steps. No, your debt has gone up. Well, I canceled my gym membership that I wasn't using. I have not. That's the little steps. I haven't been ordering out as much as I used to. The whole first credit card was door dashes on a card that went up in balance. Yes.

43:59Eleven. Furniture and mattress. Thank goodness. Oh, good. We're paying interest on this. Why not? Oh, good. The balance went up. That's wonderful. Because, oh, good. The amount is past due. We're$41 past due. Ha, ha, ha, ha. Well done. Come on. We're not even. Huh? I forgot again. That was definitely. This can't. Well, autopay. Have you never heard of autopay in your life? It is this great new invention that's been around for decades. Are you kidding me? Auto pay me really bad. You're f***ing yourself. What do you mean? You're making it much worse than it ever f***ed you, most likely. Well, no, because...

44:29What? You got an overdraft of 35 bucks once? You're getting charged an extra million, jillion dollars a year. So for a minute when I wasn't making enough to cover the bills, the auto pay tried four times in two weeks. Yeah. How did you not see it after one? I did. And I tried to tell them to stop pulling it. And they said, oh, well, it's already started. We can't do anything about it. Why did you have the money? Because I wasn't working when I should have been. And I wasn't working hard enough. Yes. There's nothing to transfer anywhere else? No. Okay. Okay. Yeah. And again, that was 100 % on me.

45:05But guess what? Yes. Never have no money in your account again that you don't have to worry about this. This is pretty basic. Yes. And now I don't. Sometimes it's more complicated than it sounds, but not in this instance. You're f***ing yourself. And even those four overdraft fees, you're still paying more in fees this year so far than those four. So you're making it worse. You can't forget this. Set yourself a timer. If you don't know how the f***ing calendar works, set it on auto pay. It's as easy as that. It's just basic. Yep. Great. She agrees. I agree. Isn't she doing it? Great. You can do that and try to get out of this little pushback.

45:40You can't just agree, but never do it. That's not how these conversations work. That is a get out. And I don't want you to just get out and then keep going the way you're doing without actually realizing what you're doing is wrong. No. And that's the biggest problem is that I know what I'm doing and I know that I am f***ing up and I want to fix it. And I am finding resources. Hello. What? I'm finding resources to help me learn. Me? Okay. Yeah. To like help me learn how to do the things that I should be doing. What resources? There was a podcast. I couldn't think of the word. A podcast that I was listening to that was like teaching about the psychology of money and how to like reframe the thinking around it.

46:27Are you one of those people that always takes in all the information but never actually does anything in their life? Because I've worked with people like that as well where they just read self-help books forever, entrepreneurial books forever. Then they never actually do anything in their life and they just endlessly consume the information. Because that worries me. because that is almost everyone I know that goes down that road. No. Instead of the people that actually get out there and do. I would say I consume it and then I actually end up implementing maybe 30 % at a time and then I'll go back and redo it.

46:54What has been implemented here? I see a mispayment. I took it off the auto pay because it was overdrafting the account when I didn't have the money in the account about a year ago. Okay. It's not a year ago anymore. You have money in the account. Yes. I don't have a better answer for that other than I just haven't put it back on. That is almost completely paid off and it will be closed when it's paid off. I don't know how you pay off a card with zero dollars of payments and forty one dollars of fees and seven dollars, seven cents, 70 cents of interest. Oh, it just must have missed by a day or two because I usually pay more than the minimum balance on that.

47:29Didn't. And now it's gone up. Just like the other cards we've looked at so far, except for one. So I don't know what you're talking about. USAA.

47:43$2 ,282.87. New cash advances,$100. Ah, here it is. The special little guy. Yeah, that's nice. That's nice. We're basically almost at the credit limit. Shocker. What is the cash advance? I didn't know I could do that on that card. What's your minimum payment normally? Zero. They literally say zero every time I log in, but I have an Excel sheet that tells me what I should pay. $34.89 of interest. What you should pay should be all of it. What do you mean instead of, what do you mean? So the Excel sheet I put together for myself has like the current balance, the interest rate, and the payment I need to make if I want to pay it off in 12 months.

48:21It's basically 12 months. Well, good luck with that because with the way you're managing your finances, that's not even coming close to an option. 12 months from when? Now? It's always going to be now. 12 months from now. Tomorrow will be 12 months from now. That is the problem I've run into. Uh-huh. Which is not cute. No. guess what? You don't have enough money in your USA check account, so it would true. We took it over. You cash advance,$100, overdraft protection from your credit card. That should not be turned on. They did it. That's going to be a fun phone call. Honestly, why would you be entitled to something with the phone call anyway?

49:01Because you did not have the money. it's not your legal ability to spend someone else's money no no no not because it should have been overdrafted but because the cash advance should have been turned off because I ran into that before and the cash advances should have been turned off I can tell you all I know is you did not have enough money in your checking account to do something you tried to do and then you did it and now you have this cash advance overdraft fee so regardless even if you turned it off you still f***ed up major well and I don't even have that debit card Literally the money in that checking account is just for my renter's insurance, I think, or my car insurance.

49:41One of those. One's usually$5 and the other one could be like$500. So that's kind of. I had it bundled for a while and I can't remember if I had canceled one. It was one of them. Then are we really surprised that the person that doesn't know if it's a$5 or$500 charge in there is overdrafting? No, you know nothing about your accounts. No, because I had. You don't know a single thing. I had an automatic transfer from my main checking account to that account a week before the payment was supposed to come out. We'll just have to see. Yeah, so I'm not sure. That's why I'm surprised. Maybe you don't have enough money in the account that you transferred from.

50:14Maybe we're overdrafted from an overdraft from an overdraft. It shouldn't be, but I mean, we'll see. We'll see. All I know is$400 in interest this year so far, and you've had a late payment as well on this card. Are we shocked every single card's had a late payment because we're an adult apparently in our 30s. allegedly oops what just the late payments is whoops late payment whoops we're f***ing our life whoops we don't have retirement whoops I move every second of my life and I never do it with an emergency fund and I don't have jobs set up whoops what do you mean whoops once a year you kind of everyone like I'm on your side and then all of a sudden you just f*** it whoops this is not cute this is not funny this is seriously your life do not understand that.

51:00This is a big old classic. I hate this. Why do I get so angry people wonder sometimes because every single f***ing time it feels like or at least 75 % of the time it just feels like I give a s*** more about your life and your finances than you do. And that rages me because you are a person that exists on this earth and you deserve to live a good life but it is in your control and you're choosing not to and I can give you an ability of how to get there but you're like whoops a cutesy little whoops f*** your whoops. That is a whole big dose of copium right there that is me making light because I'm very disappointed in myself.

51:33Sorry. Wells Fargo $1 ,595.14 with a minimum monthly payment of 52 bucks. Nothing happened here except for interest charging 35 bucks. Okay. Oh gosh. If I see fees that have been charged this year so far, I'm unfortunately actually not going to be surprised so it doesn't matter anyway well you know basically$200 of fees back to our classic rounded nice $200 you know having many late payments many many many late payments because we don't know how to push a button to turn on automatic payments or set a timer or look at a calendar or manage your life or know what's happening in any sense of any account of anything I wonder how you manage other things I wonder how you manage your work schedule I wonder how you manage your friend's schedule.

52:26I wonder how you manage anything. Because you don't know how to manage your financial schedule. And this has repercussions that are monetary. And you're destroying your entire life. Over$400 of interest. I'd be very curious to see the rest of your life. Because right now this is a complete disaster. And I don't know how you manage anything else. Do you even have an envelope anywhere in your house? A folder? Yes. Nothing in it? You've never looked at it? No, I have a filing cabinet. I'm sure you do. I do. Oh, I bet there's things. At least one or two. You're f***ing late on your student loans. Are you kidding me?

52:57They should be in deferment or forbearance or something, right? I got an email about that two weeks ago. Passed to amount$203. F*** you. What? But I've been getting emails that say... No, no, no. From who? Spam accounts? No, from them. And the last time I logged in... Your regular monthly payment is$46. You don't know what you're talking about. No, the last time I logged in, it said I had no minimum payment. So I don't... Your monthly payment is$46, also known as from the statement that you sent us. So... That's okay. Last payment was April. That's why you have$249, even though your minimum monthly payment is$46.

53:36What a f***ing... Well, right, because that's when they told me I owed a payment because I got an email. How have you survived? I'm not laughing at you. I'm laughing at just how ridiculous this is. And then how you think it is versus the reality of it is always so polar opposite. You always think something and it is the literal opposite. Every account we look at. This is crazy. I don't know how you've survived to your 30s. Carefully. This is not careful. You don't carefully miss every payment since the fourth month of the year. Well, and that's what I'm saying. That's fucking stumbling. I got an email saying that I owed a payment.

54:12So I went in and I made a payment. And then the next month I logged in and it said I did not owe a payment. And even when I got that statement, it said I had a zero dollar minimum or zero zero dollar payment due. Maybe that's for a different one. I don't know. But for this, you do. OK. They just got put into save. It looks like they just got put into save. But these are past payments before I entered deferment that you haven't paid. You weren't even paying your bills before. You must have just got put in deferment. And then the deferment in the Save Act is a lot of it's on pause right now because it's being challenged in courts.

54:43So regardless. this so they must be old payments old payments from this year not that old well remember you just trying to suggest that you being good for six months was a lifetime your payments are from six months ago so stop old payments for sake old payments you don't know what an old payment is fifty thousand dollars basically in student loans what did you get a degree in anything in law no psychology you said so i changed majors a whole bunch of times How many times? Five. Oh, for how many years? Like seven. Oh, for sake. OK. And did you graduate after seven? Yes. OK. What's your degree? Paralegal studies.

55:25OK. So a bachelor in paralegal studies. It's an associate's. You got an associate's after seven years? So how many credit hours did you take? This is so much money. Where did you go to school? So originally I was at the community college in Southern California. and I would not get you to 47 ,000 hours of student loans well I started when I was in high school and then I so I was taking those classes I was a linguistics major and then I switched to a business school it was one of those accelerated programs that was supposed to be like 18 months to a bachelor's degree are you do you get easily distracted are you on to like the next thing after like six, well, you move every two months.

56:06So you must. Yeah. Well, this is demonstrated in your life. You're moving because you move cross country everywhere. You've been in Italy once. I mean, come on. And then you were moving majors once a year. It's like, I don't think you can sit still. You're on to the next thing constantly. You're on Twitch and you're not Twitch. And then we're tatas. And then we are paralegal. It's we're all over the place. Yes. You can't. And that makes me very nervous because the debt payoff journey is usually a multi-year journey, get a fully funded emergency fund, and then saving up for retirement is a lifelong journey because it's taking advantage of compound interest and time.

56:36You know, you put your money in, you know, my favorite investing account, Moo Moo. Good. That grows. Boom. Then I'm able to retire. Wonderful. That's a lifetime thing. You can't just be changing things every nine months. Well, and again, I did do it once. I, and it took two years. You don't associate degrees in seven years. Well, right. So I, I went to, I transferred to the business school because all of my credits transferred. All of my credits from the community college transferred to the business school. And I was doing that. It was an accelerated program. And that's when I got married. And the semesters were six weeks.

57:06And I told them I needed my books two weeks ahead of time so I could order them. I'm sorry. I don't need the whole thing. I really don't. It's okay. Anyway. I appreciate it. Business, turbine planning. And then that didn't work out. Then I was a psychology major. Realized I didn't want to get a PhD to make$50 ,000 a year. So I did my associate's degree. Finished that out. Okay. Okay. So I do have a degree. but it took me a long time to get there. Well, it took you a lot of money to get there. That's the most concerning part. Yes, it did. Because now you owe this. And guess what? Department of Education is going to get a new person.

57:42At this point, it looks like Mahone, I think. One of the co-founders of WWE. I don't know if she wants to forgive your student loans or not. Who knows if she wants to uphold the save plan. A lot of it is up to the Department of Education head. Yep. I don't know. Who knows what she wants to do? Yep. Girl might come to you and she might say, fuck you. Or she might give you a big hug and forgive your loans. We don't know. It's administration to administration. But I wouldn't bet on it. Right. So why not pay on these? You have the money. We know you have the money. Your needs are relatively minimal.

58:17You're just fucking up. You could be paying on these with the higher likely chance that you will have to pay on them. So make progress on them. Instead of allowing interest to accrue, instead of allowing late payments to accrue, they can garnish your wages. they will come and get you. They'll get you. Yep. Hey, you. Look at me. My job is to sit right here and be the absolute stunning figure that I am. And some things I can't help, like my incredible ass, which is why you're all here, of course. But also, some things are in my control. For example, the pearly whites. I yap a lot. Some would say too much.

58:50And I get that. But listen, if I'm gonna yap, my teeth may as well look pretty damn good. But the thing is, I drink a lot of coffee to get through the audits. And I started noticing some staining on my teeth. So I've partnered with today's sponsor, Aura Glow, and they've brought back my confidence for continued yap sessions. The reason I prefer them over competitors is because they actually whiten, but they do it sensitivity free. And that's always been why I can't use these types of products for long, due to my sensitive teeth. These teeth whitening strips from Aura Glow are incredible. Make sure to go to Amazon and get the Aura Glow Teeth Whitening Strips.

59:27Make sure to use the link in the description below to make sure your gap sessions can be just as confident as mine with stunning white teeth. And it's just another set of bad decision making skills and... So that's your answer for everything? The fair amount of it is... Then what the f*** is going to change? No offense. What would actually change? Because that's your answer to anything. Something bad happened or bad decisions. Okay, wonderful. You know, whether or not - Because I'm making better decisions. But you're not. I have your accounts here. We already have a late payment. You haven't even looked at your student loans.

1:00:00You didn't even know you're late. You probably haven't looked at your credit report. You don't look into your checking account once. We had a cash advance from a credit card because you didn't have enough money in a checking account because you probably didn't withdraw the right amount to that other account from another account. You know what you're doing. Better decisions. You've never made a better decision before. So that can't be true. It's the start of the decision. What start? Right. So again, the USAA account, because it was supposed to be an automatic transfer. No, I understand it. But what start is better decisions?

1:00:29Because I am not seeing them reflected in the accounts in front of us. So I'm not going to let you get away with that and have a pat on the back thinking you're doing OK. You're doing one of the worst. Your debts are not the worst I've seen on the show. Your behavior and your management of your accounts are some of the worst I've seen in two and a half years of doing this show. So I am not going to let you give yourself a gold star no absolutely it's so the better decisions are when i had the 25 000 in debt i was literally maxing out all of my cards all of the time i was only making the minimum payment which wasn't even enough to cover the interest i was making and i was late all the time because i never looked at it these or you could have paid it all off with your 250 000 in cash that you made but you decided to blow on what what what did you spend the money on So most, a fair amount of it went to my car.

1:01:21I put. What is it? It's a Subaru Outback 2020. Is that a$250 ,000 car? No, no. So I put$16 ,000 down on it and that is paid off. $16 ,000. $250 ,000. I'm going to need a little gap filling. And not like the gap filling that's done in your content. I don't do that kind of content, to be fair. But the content creator X did take a lot. Like management? Was he trying to suggest management? No, it was straight up financial abuse. Am I going to have his people come after me for filming this? Because I don't know who he is. I can't speak good or bad about him because I just don't know him. But you're trashing him on here.

1:02:08Well, I spent about a year and a half of when I was a full-time content creator, I spent about a year and a half talking about all of this stuff very publicly. And both of those accounts got banned. But you're anonymous on here. But to them, you're not going to be anonymous. I mean, you're using a fake name here, but they know who you are probably, right? I mean, maybe if they still recognize me. He would. That's fair. And our clips go pretty viral. I mean, just don't put his name on it. He'll be fine. You said his name. Bleep it out. I'm not wrong.

1:02:44I don't know. I don't know. I don't know him. I can't speak good or bad about someone I literally do not know. That's not how I operate. That's fair. But I don't want his people to be like, no, I'll kill the hammer. Because I don't know. Well, okay. Just because you're coming on here and talking. So of that money, I paid for him to move across the country. I paid at one point I went through our checking accounts because he accused me of being bad with money and. Hold on. Wait, that's not what you said earlier. What? He accused you of stealing. Now you're saying he accused you of being bad. He accused me of being bad with money.

1:03:17He basically stole the money because. Was he saying you couldn't management? I feel like there's. Listen. Because I instinctively, my gut, my heart, even though I'm an annoying devil's advocate, my heart is to just be like yes 100 support she's 100 right but i know for a fact especially based in the internet drama space and this kind of is that to be honest always a thousand sides to a story always and so i don't even kind of want to listen to this right now because i just don't want to pretend to have an opinion because i don't know i can summarize it as that relationship probably costed me about$75 ,000.

1:04:02Awesome. I spent$75 ,000 on that relationship. That's expensive dick. Okay, so. Not worth it. Not worth it. But yeah, so that. Okay, okay, okay. Do you have any more debt? I don't think so. Both of my vehicles are paid off. Both vehicles, I was going to say. Yes. This other one we have at$16 ,000 of value. So good job with there. What's the other vehicle? Motorcycle. Kawasaki. So probably a few thousand. Like six, I think, is what I looked at it, which I'm trying to sell it. Sell it. Yeah. Because I don't use it. So. Yeah, dude, that'll sort of take care of some debt. Are you kidding me? That's not even an option.

1:04:40Yeah. What are we doing? OK. OK. Pansy Bank. Any balance for 60. That is pretty risky. Never know when certain things say. Oh, my. This is all highlighted, which means it's all. It's 80 bucks on Amazon. Buttercrisp Diner? Amazon. Oh, you went inside a market, got something? In post? McDonald's, Barkley Oak. Lots of, what are these Google things? Are these in-app purchases? Are you Android? Yeah. Oh, so that's what it is. It's not Google. It's you buying things or getting subscriptions or something. Fall Fest. Ain't any occasion.

1:05:30Brazilian Bites Brew Pub Smoke Galore Please don't tell me you're giving yourself cancer I don't smoke cigarettes Great yeah the other ones are so good We had someone with a collapsed lung on the show Fun fact because she kept vaping Keep doing that That'll get you good places Subscriptions are in at purchases McDonald's Spotify Can't afford to live but guess what guys At least we're ad free Comedy comedy comedy Well, that's a very expensive comedy. And then Voodoo Chicken and Burger King and Frenchman Art. Bow me. Go inside and get in some bulls*** from the gas station. Matassa.

1:06:10Pantéonaisal. Huh? Well, let me see it. Which one? Chris Steiner. More Pantéonaisal. I don't know what you're saying. The one on the bottom. More Pantéonaisal and Pantéonaisal. Oh, that's probably a Google Play. What are you doing? Because there's like a million. There's like a ten more on this next page. They're little. And then Flamingo Road Farm. Yeah, but what are they is what I'm asking because they're stacking up to like a hundred bucks or something. Well, Buttercrisp Diners. No, no, no, no, no, no, no. They're panting or lethal. I don't know because I don't recognize. Are they video games?

1:06:46Are you buying gems? Are you a little gem girl? What are you doing? Yeah. Stop. I know. I was dopamine seeking last month. It was really bad. It's not cute. I know it's not cute, but it was really, really not fun. Go to a park in the sun. Do you see how pale I am? I'm translucent. I sunburn in like 45 seconds. Oh, that's interesting. We've never invented sunscreen before. I wear sunscreen. I still sunburn. Wear stronger sunscreen. I wear SPF 75. I have the whitest creature that's ever been born in this office. Her scalp burns the moment she steps outside. Like, I get it. She's a ginger. She's a disgrace to society.

1:07:29I understand what it's like. It's like, go everywhere with her and then she melts. Okay? So, you can go outside. Venmo, Venmo, Venmo, Venmo, Venmo, Venmo, Venmo, Venmo. Great. Who are you Venmoing? You're Venmoing everyone in the life. My roommate, probably. Okay. Yeah, yeah,$100. $100 on your little in-app bull...

1:07:56more pnc thousand hours in this one so that's actually yeah so the this one is my debit card account where i do my spending that one is also a checking account but that's where i do all of my bills out of why overcomplicate it i so that if you literally just have a budget you don't need more than one account yeah i don't have a hey look where it's ending yeah like where it's leaving us I thought having it separated like this. So if I kept all of my money in that account. When did you think that? About two years ago. How have we been? It was great. And now it is for six months for a fourth of the time.

1:08:31So maybe not a good statistical average to go for. So potentially we don't can do the thing that's not working. So it's a crazy concept. If it did work, then. But it's not. It didn't work 75 % of the time. Why the f*** would I bet on the 25? What are you talking about? Because if I go back to the habits I had. It's worked 25 % of the time since you tried to start. So it's not working. Guys, what am I dealing with here? Stop. Please stop. $82 in this bullshit account. Again, what is it? Savings? Yeah. Something. I don't know. Chase. I can't read it. It's either$948 or$600. It's six. Six something.

1:09:18it's really blurry Chase doesn't let you download statements and then make redactions on there for your privacy the screenshot and then do it it's really bad come on Chase okay this is mostly moving money cash after it's$256 in there money coming in what are you getting? 15 bucks? 5 bucks? 25 bucks? for what? I honestly have no idea bonus tatas? no okay oh sometimes I'll My friends will cash out me stuff if I, like, take them out to dinner. They'll cash out me back. You can't afford dinner. $234 in this account. Again, this is where the money moved into because you did not have enough money. And there it is.

1:09:58Right. So that's what I'm saying. That's why I'm confused about the cash advance. It should be there.

1:10:07Because$10 went out there. It tried to pull up$10 there. $150 in there. I don't know. I don't know. At the point of this, you had negative$5, and that's when it dinged. Yeah. So you had$4 to start with, and then it tried to pull out$10. So are you surprised? So it brought in money. Now you're paying 30 % interest on it. Well done. $708. This looks like credit karma. What is this? It's a credit karma savings account. That's where that – Oh, savings? Yes. So I have that completely out of sight, out of mind, so that way I don't spend it. You're set for life. 700 bucks. Well, I only started that about a year ago.

1:10:51What? That's a joke for a year. Well, if that was our focus, not necessarily that it should be, but don't try to make that sound good saying, no, it's okay. I only started a year ago. Well, it only does like 10 or 15 or 10 or$20 a month. It's just more of like, it's, that's not my, my six month reserve that I'm trying to build. That is just an extra savings account. Why would you have an extra savings account? What do you mean? You don't even have a normal savings account. Well, I do. Yeah, it was$60. It didn't. I moved the money around. What do you mean? If you don't have an emergency fund, why the f*** are you having another savings account?

1:11:24What are you talking about? Because if I don't have the money in sight, I'm not spending it. Why wouldn't it just be your emergency fund? Why are you having something separate that's not your emergency fund when you don't have an emergency fund? Because I want my emergency fund to be in a high-yield savings account. I don't care. Put that there. You don't have a dollar. You don't have any money saved out for an emergency fund. So why is there a separate account? Do you not understand my question? No. If you do not have the basic minimum required savings account, why are you trying to build this extra one that you are supposed to do after having this one?

1:11:57Remember that conversation earlier about having a couple of good ideas and really bad execution? This is a really bad execution. I hate this. This is like, that's not a real answer. Your real answer is like, I already know I'm f***ed up, but I do nothing to solve it. Stupid. That's legitimately stupid. Can we be honest? Yes. That's dumb. Yes. And that's not... See, there it is again. She knows it's dumb, but she doesn't do anything about it. This is infuriating. You can't just... It's not that I want you to disagree with me, but the fact that you are 100 % on board and agreeable with everything has to be incorrect because you're overdraft and you have late fees on every f***ing account.

1:12:36So there is no way that you actually agree with me. Because if you do, you would be doing something, but you're doing nothing. which means you don't either, you're, you're, you're, the f***. I agree that the decisions are stupid. I disagree that the reasoning for them is bad because I have or had a plan. Total income that comes in$4 ,750. For f***s sake. This debt is a joke, dude. You f***ing make money. And your minimum payments are not stacking up to that much for your money. Your rent situation is beyond blessed. Come on. your debt minimum payments are$260. What's your total rent again? $800?

1:13:20That including internet and everything? No. Internet is about$100 and my phone is also about$100. You pay$100 for internet? Yes. You pay for the whole internet? Yes. It's a tax write-off. The whole thing. Are you 100 % sure? Have you looked at that? Because, you know, when you do, when you calculate a space used for your taxes, you do the room that you use. You can't claim the whole place. Are you sure for internet at your home? Yes. Because you're not only using it for work. That's what the CPA told me. Okay. I don't know about that. Again, you're sitting down with the advisors we're going to connect you to.

1:13:52Phone bill,$100, not bad. If you don't on your phone, I'd switch to Helium. It's the same towers as T-Mobile. It's$15 a month. What? I hate T-Mobile. I had T-Mobile for like two years. I switched to AT &T. Well, where? AT &T? Yeah. Nobody likes AT &T, though. I love AT &T. I guess it's just different areas. I've never had an issue with AT &T. Oh, really? Like, it's a little bit more expensive. That sucked here. Well, I also pay a little bit more because I have, like, the priority data. So I never lose searches. Well, I don't care. I've only had good with Verizon and T-Mobile. But whatever. That's fine.

1:14:26We'll put it as$100. Gas, vroom, vroom, drive, drive. Skirt, skirt, crash, crash. Tolls and gas. Don't take tolls, you creature. I have to. You do not have to. There's always an alternative. The alternative would have... In the south, at least. The alternative would add 30 minutes to my commute. There you go. Wonderful. You got it. Congratulations. How much is the toll every time you go through? Two and a half bucks. One way. So it doesn't charge me going back the other direction. It only charges me going one way across the bridge. That probably works. Okay. How much? I would say probably$250.

1:14:57Okay. Car insurance? I have full comprehension. I just pulled it down. Comprehension? Yeah. Comprehensive? Yeah. Is it not full comprehension? Oh, full, whatever. That one. The one that covers. You don't have comprehension of anything. That's so fair. Okay, I just brought it down a little bit. It was 360. I think I brought it down to 280. Renters insurance? My roommate covers it. So it's included in my living expenses. But is it under your name, the insurance? No. You don't have rent. I am a covered party, but it is not. Oh, okay. Yeah. Okay. TP Fund, anything else you need to survive? Is it your nails?

1:15:44Is it your toilet paper? Whatever. $100. You're going to meal prep. Use our menu and everything meal plan. And the budgeting program to get to your needs. $300 for groceries. Cooking a couple times a week. Congratulations. Yes. Very exciting. Medical. Healthcare. Anything like that? Monthly basis. Yes. I would say probably$150 a month. Okay. Cool. Any pets? Yes. What? What? I have a cat. Cat food, how much? Ooh. Come on. Let me think. I think it's 120 plus her medication, including her medication. Including her medication. Okay. Pet insurance? No. Okay. Pet insurance. Yes. I need to. She's getting old and I need to.

1:16:27She's getting old. You might not be able to get pet insurance. Oh. You f***ed up. Yeah. Irresponsible. Okay. Then I'll leave that blank for now. No subscription. what do you need for work stuff your your extra work how and what how much in subscriptions or ongoing expenses i don't think i have any subscriptions for that but what was the one i was just thinking of it was right there oh probably something big long purple and floppy. It's not a subscription. It's a one-time purchase. Well, it's even for work. No. Okay. If you can think of it, let me know. The video editing software. How much? $60 a quarter.

1:17:19Okay. We'll put that at$20. Congratulations. As we all expected this entire conversation, it's super easy. You make double what your minimum of the expenses are. You're just acting like a child. And you're enabling yourself by endlessly making excuses. Lots of bad things were in your past, but you're allowing them to be a cripple as of why you're not allowed to get ahead. Congratulations. You're able to pay off all your debt except for your student loans in about four months and get a fully funded emergency fund in about four more months. What a joke. What? Are you kidding me? Come on. This is so stupid.

1:17:55And an extra multi-thousand dollar a month. This is so dumb. I'm done with this conversation. You're literally just using crutches. It's so stupid. I'm sorry, but that irritates me. You can get out of this almost easier than anyone on the show. What a joke. Come on. Spending a budget you were under, but it still was very close, and none of it was going to actually make progress on debt, and you weren't making minimum payments 3 out of 10. Debt? Well, okay. The past IRS debt, so that'll include something else. Okay. Well, okay. Let's think first. okay so you have an extra two thousand let's call it two thousand because you're just going to set the money side of taxes you can get out of that one two three four five about five and a half months and then uh oh let's call it six months six months irs let's save up about 10 so you can do that in about five so we're 10 months in cool so 10 months in you paid off your past taxes, pay off your past debt, save up for a fully funded emergency fund, which for you is going to be about 10 ,000 bucks.

1:19:00That's called another five months. Really? Actually, you have 250 bucks left extra a month. So it's going to even go quicker from there. But whatever. I think, yeah, sure. Just over here. Congratulations. Wonderful. But your debt is stupid. But luckily, none of it's in collections. But it is because of what you're doing and not making the payments on student loans. I'm not going to give you better than a 2 out of 10. If you're actually making your payments on this, for your debt situation, it's not the most dangerous. Or worse, but I'm going to bring it down because you're just f***ing it up so bad.

1:19:33Emergency fund, if like a little bit set aside, 1 out of 10, you're almost a tenth of the way there. Retirement, anything? You need to catch up on that quickly, but we'll talk about that in the follow-up when you're ready to come back on the follow-up YouTube channel. Real estate, and you can take the investing class as well. You'll do both. Real estate, 0 out of 10 for now. Now, it's going to be a Hammer financial score. Wonderful. 1.5 out of 10. Guys, make sure to join us in the post show. We're going to talk about a lot of that more X-rated stuff that we weren't able to talk about in this because of demonetization things.

1:20:04It's getting a bit more strict on that in front, unfortunately. So make sure to join us there. And make sure to join the elite version, Hammer Elite, if you want hours and hours and tens of thousands of extra hours of content and live streams and a bunch of fun stuff that we do here. I'll see you guys in the post show. You're trying to act like a little victim? No, not a victim. You're still young, but you're so dumb. I don't like her. I'm starting to not like her. She just looks at me and she gives these like, It's one of those. I'm cute. Faces. Adorable. Shut the fuck up, but this is what we're talking about.

1:20:32We're talking about her like life and death. And she's just like, yeah, I'm an idiot. That is pretty frustrating. I have been told I'm the dumbest smart person. All right, tell us about your d**k or something that I don't f***** like. Yeah, I want to know about OnlyFans. What part? We're going to start. To watch the Financial Audit post show, click the join button below.