Failed OF “Model” Is Batsh*t Crazy | Financial Audit

28:01Okay. All right. You guys have good rent here. Yeah, better rent. Well, actually, rent fell substantially because we actually allow people to build housing on unproductive cities like Los Angeles. Yeah. Okay. Above lending. Okay. What's going on here? What even is above lending? I don't know this account. That is my loan for all of the credit cards that I had. I had consolidated. You consolidated? I did. I consolidated my debt back in. Let me guess where this is going to end. Do you want to guess? Yeah, you still keep going. Okay, so I consolidated my debt back in November of 2023. I had a lot of credit cards.

28:49And so then in March, I think it's been a year, they had contacted me and they were like, oh, well, do you want us to just give you a loan to pay off the consolidation and then you can just pay off the loan? And I was like, yeah, that sounds much better because it ruined my credit score, like the consolidation and everything. So I... Okay. Yeah, so then this loan paid off the consolidation. You're consolidating the consolidation of credit cards you couldn't control. Great. This is obviously shaping up to demonstrate that you are a very responsible person with money. Yeah, I mean, it started when I was 18.

29:29It always does. That's when you can get credit. Oh, look at me. I'm a unique 18-year-old. That's what happens with everyone. Sorry, I'm being a dick. No, I mean— But that's what happens with everyone. Don't try to make that a unique situation. No. Go on So yeah I got all of these credit cards I think I had like 5 or 6 All from ages 18 to 20 So they Totally It is actually a lot to open in just those 2 years For what it's worth Yeah I mean I'm not saying I'm good with What were you doing? I had like a Victoria's Secret credit card That I like blasted I maxed out I don't know what it's like People in your industry blasting, getting blasted, something different.

30:12I don't know. Anyway, so yeah, I maxed out that card. It all started there. That was my opening to credit cards. Well, the rest of the credit cards, what were you doing? Just like max out open, max out open, max out open? Pretty much. What were you spending on? Were you actually working, going to college? What were you doing? because that is an insane amount of credit cards in just two years. I went to college for one year and then – Did you just put your life on a credit card? Yeah. Okay. I mean there were different uses for different credit cards for sure. I think I got – because like I had my Discover card and that was like a$10 ,000 limit.

30:56I don't know who thought that was a good idea, but – I think they wanted to give you$10 ,000 for you to spend$10 ,000 so they could charge 30 % on that$10 ,000. Yeah. It was a product. Yeah. Okay. But yeah, so I don't remember exactly what I spent that on, but I'm almost positive it was probably just like unnecessary items like clothing and probably food came into there. I spent a lot on food because I don't. Okay. Yes. I just realized you're 28. Why did you start? People sometimes like turn 18 immediately get on that OF train when it comes to agencies. like those agencies just like wait and then they're like oh 18 you started decently late for someone why'd you start so late like why randomly did you start this like literally becoming an online person working and diddling so I had always kind of like I don't think I knew about it when I was 18 but I don't know if it existed when we were 18 yeah oh you but I'm two years old Damn.

32:04I'm sorry. But I think it got to a point where my savings were like super duper low. Oh, see, that's what I don't like. I'm going, doing whatever the want, as long as it's not like harming someone else, which someone argued that it actually does. But either way, I'm OK with consenting adults doing consenting adult things. I don't like the fact that you got pulled to it out of desperation of finances and yet you want to go back or do you feel financially desperate to need to go back? That's a fantastic question.

32:46I pulled back into it out of just needing money. Okay, so you don't actually want to go full boobie on the nippy on the display. Not necessarily. It's not something. Don't let's get you away from it then. Yeah. I mean, I will help people do whatever they want to do. But if you want to get away from that, let's look away from that then. Yeah. I mean, ideally, it's not something I want to do forever. It's definitely like it has its fun moments. It was fun when I was making money, but when I'm not, it's like. Yeah. I mean, it's always exhilarating something when you're making money. but do you want to be making money from flaps or money from shaving dogs?

33:27Shaving dogs. Yeah, so let's focus on that then. Let's let that be the career track. Yeah. Okay. I would rather that. See, that's something completely different. That is a different direction for the conversation then because I'd rather get you away from that industry that can be very toxic and very exploitive as well. Yeah. Okay, so a consolidate for a consolidate. I mean, it's$15 ,508.33. This is unfortunately when you make these choices And being just stupid with our money It pushes you into the dark corners like that That's what I don't want you to do What's the minimum payment for this? What is the interest on this?

34:01What is anything it doesn't say? So the minimum payment is$220 a month It just automatically comes out of my account Which is brutal for$2 ,500 a month Is what we're making Okay so Actually no but it's every two weeks $220 every two weeks? Yeah Oh, this is a f***. This is a f***. Yeah. This is a f*** for your$2 ,500. $2 ,500, that's 18%. Yeah. $440 a month. $440 a month. What is the interest? That I actually don't know. Come on. So they sold you? Who sold you? You got consolidated and then someone sold you? Yeah. Into a higher interest product probably? Probably. I don't know the interest. I'm going to be so honest with you.

34:51it's taken me a minute to even understand interest. Like it took me until I... 27.39%. You're not even saving money from a credit card. It's the same kind of interest as a f***ing credit card. Yeah. So what was the intention here? Well, yeah, what was your desired intention here? Like with the lend? Yes. The loan, I mean? Yes, what were you trying to do? I just wanted it to be one payment. I can't do, I forget. I forget to make payments. Forget, put it on autopay. Yeah. Okay, you don't get to leave here, just like everyone else is on the show without downloading the Simpler Budget app. If you can't manage a single payment, you have to, at minimum, know where all your money is going on a monthly basis.

35:41It's literally automated. Interact with the community in there. It's people holding each other accountable. You get premium forever. You guys get a multi-week trial And for those who sign up for the annual version I'll send you a signed copy of the cookbook And the simpler budget journal as well I'll sign them both and send them directly to you But you do not leave Until you sign up for that Because the fact that you couldn't handle payments You may have actually been saving more money I don't know, we can figure out the math But at that point You just can't be responsible enough To handle accounts Rinse takes your laundry and hand delivers it to your door Expertly cleaned and folded So you could take the time once spent folding and sorting and waiting To finally pursue a whole new version of you Like tea time you Or this tea time you Or even this tea time you Said you hear about Dave Or even tea time tea time tea time you So update on Dave It's up to you We'll take the laundry Rinse It's time to be great

37:14becomes multiple one payments than you have a s*** ton of payments. Exactly. Yeah. But it just feels better with it just being 220. I don't have to log into like Victoria's Secret and Michael's and Care Credit. And like it's so... I have too many. It was overwhelming. This made it a little less overwhelming. In my opinion. Yeah, but why did you consolidate the consolidate? It

37:45I mean it it seemed like no it seemed like a quicker it seemed like a quicker thing it would I would be able to pay it off faster were you? I mean I'm still paying it off I mean it's a 30 % interest rate essentially so yeah I mean we know what comes in how much did you spend last month? last month on everything? everything including debt I want to say at least 3 ,000 at least, but I... So you're okay with spending more money than you make, probably because both mommies support you. Okay. It was also 5 ,672, so... 5 ,672? 5 ,672. Oh, that was my... Do you care? Oh, I absolutely care. Then why the f*** did you do it?

38:34I... Then why would you not know? I just have a hard time managing. I have a hard time like Why? Tell me how you manage I don't Like I just like Because we really care So we just don't I mean because like there are different areas In which I'm better at The money What are you good at? I have like a savings account Specifically for summer Like how I said I Yeah maybe that pays off the f***ing day And you don't take summer off you dirt Okay f***s sake you okay okay okay what else what else what else i mean what else what else are we good at you're only able to save up for fun but you're not able to actually take pay off the bad okay yeah what else what are you good at um oh come on what well now i'm second guessing myself i don't know um i mean i think that i'm good like i i calculate everything that i'm gonna make every month i i calculate my hours and i try to like lay it out but that means nothing without knowing your spending yeah that's that's my problem that's my problem with having a savings account is because i just constantly pull out of it it's not actually a savings account okay so what the so it's okay all right let's talk about something most people ignore your old 401k Yep, that retirement account from your last job that's just sitting there collecting dust.

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41:15All right. Michael's card. Michael's card? F***s sake. I've never even seen a Michael's card. Yeah, I had no idea that they had him. I've never seen. But that first purchase, I got 20 % off because I got it. This is so stupid. Well, on your first purchase? Yeah. 20 % off? Yeah. It was nice. Listen, you were at 286. You could have paid that off. I know. That was my full intention. Not your full intention. Or else it would have probably happened. It's probably like a quarter intention. and you made a minimum of the payment and then you just Then I forgot to pay one. Allowed interest to accrue. Yeah.

41:59And I forgot to pay one. And then, yeah. What? I forgot to pay one. Why? That is why I'm saying. Oh, for f***s sake. Hey, hey. If you knew that and you had to consolidate for it, then why the f*** did you open this card? I. If you know this, you are self-admitting this flaw. So don't do it. Don't do it. When I know I f***ing. If I know I have Oreos in my house, I will f***ing slam them. down, then I don't get Oreos. Yeah. Why are you getting this? I just, I really, I really wanted something from Michael's and I just didn't want to spend. So buy it with your money. I didn't want to spend like my actual money.

42:40You only got 20 % off, but this is, this is because then you're having interest. Whatever 20 % you've immediately lost. Yeah. Immediately lost. Because of the interest, right? Yeah, because of the interest. Yeah, but I just like, I figured it would be better. I like paying things off in increments later. That's why I like doing like Klarna and stuff. Wait, no, you fucking don't because you can't manage your payments. What are you talking about? You do not like that. You objectively do not like that because you can't do the, you have admitted you are incapable of doing more payments than one. So how would it make sense to get in all these paying for us?

43:16Because you have to make those payments. I don't know if you know that, but you do have to actually pay them. Well, I need to turn on auto pay on that one. Yeah, on everything. Why don't you? Well, it is on my Klarna's and stuff. Like on my Klarna, my Affirm and that. Those are auto payments. For f***s sake. There are just like things that I want and I don't necessarily need, but I want them. And that's what I put on the. And you want that more than getting out of debt. Because if that's so, okay, fine. We can call it. Because good. If that's the life you want to live, that's fine. I'm okay with anyone living the life they want to live.

43:51I yell at people and give them the wake-up call because they want it. They sign up for it. They want to get out of debt. They want the tools. They want the resources. They want to join the median$10 ,000 paid off in 10 months that our guests do on the show. That's what they want. If you want to spend your money on bulls**t, if that's what you prefer, if that's where your objectives are, if that's what you care about in this world, then go do it. I don't care. But I want your help. because I just have no self-control. I have no self-control and I'm trying to get it. Then don't open a fucking credit card.

44:24I know. I'm trying to get my shit together. I'm trying. I'm like. By spending double what you make. Yeah. That's trying. That's the word trying. Yeah. I mean, I just, I really like to shop. So I'm trying to be better, but I. By spending double what you make is trying. I'll never understand this. I feel like I have this part of the conversation in every episode. What the fuck are you talking about? I feel like when people get pushed to the edge, they say, I'm trying. After they get called out on all their bullshit, their human emotion, human instinct is to say, I'm trying. Are you? Are you? I have literally your actual accounts, your literal most recent statements.

44:59There is not a single indication of trying. In fact, you consolidated and then you opened a credit card, didn't make a payment on it, and that is my I'm trying. What the f*** are you talking about? Not going to baby you. I'm trying. No, you're not. That's a load of bulls**t. That is you trying to get out of being pushed back on. Don't f**k with me with your trying.

45:28I want to be better. I really do. I just like there are times when I see something that I want and I just need to get it. And we budget for want. Again, you build up the want category and literally you put – it automatically goes in there. And you know if you've maxed out your want category. I'm okay with the want category. In fact, once people pay off f***ing debt and have an emergency fund, I give 30 % of people's incomes to wants, which is a substantial amount of money. That's huge. Huge. Yeah. Great. You're not there. Okay. Well, I would love to know how I can get there because I – Let's start with don't spend double what you make.

46:16Okay. Don't open a new credit card when you realize you couldn't manage credit cards and you had to consolidate them in the first place. Start with those. That's what I've learned so far. I've learned if you're going to do a business, you actually have to participate in the business to make any money. even though we're not going to do that anymore because you actually don't want to do that. You just feel like you have to, it sounds like. So we're actually not going to do that.

46:44Yeah, let's start with those. The most literal basic things that you weren't capable of, it seems, for some reason.

46:56I mean, I really don't know. You don't know what? I don't know what to say because I feel like everything Nothing to say. Everything that I say. This is at a 36 % interest rate. That's insane. Michael's. Michael's. I don't think I've seen a credit card that high. I think that's the highest interest rate of credit card I've ever seen on the show. Wow. And I film a lot of these. That is crazy. I could be wrong, but I think that is the highest interest rate on a credit card that I have seen. Yeah. And yes, I think you've had two missed payments this year. Two late payments this year. Just since October.

47:33This year? Do you know what this year is? Well, yeah, no, 2025.

47:40This year didn't start in October. No. I don't know what they teach at OF school, but it starts in January. And it's been this year so far, two late parents. Does it say how many? Wait.

47:58Since January, I've had to. Typically with the fees that usually get added from late payments, that's how the math looks, or they just have a high late payment fee. I don't know. They have a high interest rate, so maybe – I don't know. What did you even buy to open this? What is worth this to you? What is worth all of this to you? You know, like the little Halloween figures that they have at Michael's, like the little Halloween town? No, I've never been to Michael's. So they have like these like Leemax Halloween town figures that like light up and they're like little houses and stuff. You weren't even doing a fucking hobby.

48:37Isn't that what Michaels is for for hobby? I thought you were occupying your brain. You're just buying some Halloween town action figures or something. I mean. Some G.I. Joe Halloween towns. They're better than G.I. Joe. I feel like it's like a tradition for me. Mentally, it's a tradition for me. A tradition to up your finances yearly. Sure. The year that starts in October. it it is a tradition for me because it was always a tradition with my dad too that I want to get a new piece every year does it feel weird to be entering the third quarter of the year when the rest of us are entering the second quarter of the year today yes I don't

49:25okay they just gave me a picture so you don't want to know about my Halloween it's a decoration it's a sh**ty looking decoration how much did it cost? I mean each piece is different how many pieces did you get? I got two this year I think one was two cost like 300 bucks? no I think it's a crude I had the credit limit of 300 and then I spent... Dude, your balance was basically $300. Yeah, because of the interest, right? When did you purchase these? October. Okay, that makes sense. Halloween. Yeah. No, I mean if you make your minimum monthly payment it's more than your interest accruing this year so far.

50:16Yeah. I don't know about last year. Dude, this doesn't make any sense. How much do these action figures cost? I think they were like $100 each. So you're telling me you've had about$100 in interest and fees since purchasing these in October. I swear, yeah. They were not$300. I had like a balance afterwards. That's not better. No. That's worse. No. Oh, my God.

50:44I had a 36 % interest rate. Wonderful.

50:53Well, that's just about the stupidest credit card I've ever seen. That's funny No, I don't think any of it's funny I just like What do I do? You're yelling at me, what do I do? Do your stupid October spending? Okay Synchrony That's what it looks like, right? No, care credit Care credit through synchrony, okay

51:25Did you just fart? Are you having a fart? No My stomach is growling though

51:35Did I just No

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52:26Yeah, that's all my dog. You cannot afford to get a pet in 2025 if you do not get pet insurance. And it's really as easy as that. Well, so I actually, so through VCA, they have like a monthly rate that you use to, it's kind of like insurance, but apparently it's not as good as insurance because then I took my dog to the emergency room and that didn't cover it. So that's why I had to take out the care credit card. It just covers like doctor fees, I guess. They wanted me to add up - It's the bare minimum. It doesn't cover emergencies. It covers like the annual checkups. Yeah. Okay. And vaccinations probably.

53:08Yeah. Okay. So$277 and 34 cents. So the minimum fee payment of$30. When was this? That was last month. Yeah. It was beginning of March. This is pretty cheap for an emergency visit. What even happened? So my dog, I just got my dog. So she's like five months now and she's all over the place. Yeah. I want to get pet insurance better than you. If you can after this trip, I don't know. Let's see. No, that's real. So she's usually pretty like all over the place. And there was one night when she was just kind of chilling on the couch. And I was like, huh, seems like she's growing up, babe. I think she's calming down.

53:53And my girlfriend was like, oh, yeah, this is like, because my girlfriend hates my dog. So she was like. This sounds like an incredible relationship. No, it really is. It is a really good relationship. I promise. She hates essentially your guys' child. No, we have three cats too. So she was on the couch. She was limp. So I thought my dog was dying. So I ended up taking her into the vet. And the vet took me in and I was like, I think my dog is dying. So she was like, we need to run all these tests. And I was like, I can't afford all of these tests. And you shouldn't have a dog. Well, it was like these like, because she was high.

54:36She got a hold of me. You couldn't afford the test. Yeah. So you shouldn't have a dog. Well. Not well. If you can't afford to take care of the dog, you can't afford the dog. Well, I take care of her in every other way. This is a pretty important way. Are you keeping them alive during an emergency? Well, yeah. If I had to spend, like, I have the savings. So, like, if I had to spend, like, that$600, I would. it's just like what is in savings? like how much do I have in savings? you brought that up twice what is in savings? like$1 ,600 so it's not you made it sound so much more substantial that's your summer fund?

55:15yeah good luck it's not a fucking month fund for you it's not a half a month it pays for my rent I was going to instacart for the rest it pays for a third of what you spent last month yeah I was going to instacart for the rest You never got high because you can't put your weed away. Apparently, yeah. Yeah, because you're an adult in every instance, in every situation. Yeah. But yeah, so she ended up getting high. They ended up just sending us home. Everyone on the show, everyone bad with money is either addicted to nicotine or they're smoking weed. How much do you spend on a monthly basis? I don't smoke it a lot.

55:51How much do you spend? Like zero. Like, it's like$50 every few months because I do not smoke that much. But you leave it out. Yeah. I mean, I don't think she got a hold of, like, a whole thing. Like, I feel like we might have smoked and she, like, got, like, a piece. Like, it was, like, a one-time thing. Like, I don't think it would happen again. I hope not. Yeah, me too. I don't know how you can afford it. Yeah. What am I looking at here? I don't know. This looks like a pay and four, but I don't know which one. Oh, I think that's after pay. No, that's a firm. Yeah, you're overdue. In that, yes.

56:34You dumb f***. Yes. I didn't have the auto pay. You said, I pay all those on time. Yeah, I didn't have the auto pay. That's what you said earlier. I didn't have the auto pay. Yeah, so she changes it like three days before coming to the show. F*** off. Listen, you led us to believe that you were okay with managing these because you always pay them on time. But there you go. It's completely f***ed. You owe$528.46. What is this? What are you? This fucking Amazon? What is this? Deferred for eternity? No, open it up because I need to see your current plans. Because you only sent, oh, you only sent like the first page of things.

57:09I need to see more. I need to see more. That's for Amazon. Oh, I'm sure. I'm sure we've added some since then. It's not even like letting me see I'm sorry, I'm trying Let me Okay Here you go, you are welcome to look through this

57:41Her balance went up by$250 It did, that's from Expedia What? To come here Okay, well at least you get reimbursed for that.

57:55$759.

58:05Go. She doesn't know how to tell the f***ing truth, guys. She doesn't... What are you... Hey! Half of these have auto pay. The other half don't. So good luck paying those on time because you didn't even know. Amazon, Walmart. Walmart is auto pay. Nope, nope, nope. Literally nope. The$66 one, right? Nope, nope, it is not. It literally says off. Oh, that's ridiculous because it was on. It's off, and I can't trust you, no offense. But at this point with everything you've said so far, there is no trust. Dude, your phone's obnoxious. You get to spam, spam, spam every five seconds. Oh, my gosh. Okay, your minimum of the payments on here is$184.41.

58:56Use our reimbursement and pay off the Expedia one. Yeah. This is so stupid. I know. This is so stupid. While I'm on here, let me look at your subscriptions. I don't think I'm subscribed to that many. That many. Well, I think it's like Google Drive. Yeah. And Gmail. Pay for Gmail? I didn't know people paid for Gmail. Yeah. We've had every image, editor, and video game in the world. Wait, what? The things you have subscribed to. Like in the past? Yeah. Yeah. Dog training, guitar pro tab things, Apple TV Plus. That one is a very worth a subscription. The Apple TV? Plus. Yeah. Best streaming service.

59:41Let's look at your Amazon orders also while we're here. Uh-oh. fake eyelashes are you wearing them? I am

59:51is this pee paper for the dog? yeah the pee pads horrible training no cause we live in an apartment so I'm just trying to get her to go somewhere that's not the floor first I raised my dog in an apartment and I did not let him pee inside and guess what he never pees inside I take her out yeah but you're allowing her to pee inside it's not good wigs are you wearing a wig? Huh My hair wasn't ready for the day So you're wearing a wig Yes What does it look like under that Blonde I mean it's greasy right now Messy So is it a prop for the OF It could be Okay Yeah Dog graduation cap and gown Plaid dog dress No heat overnight curls Party variety overnight Oats Overnight Pack.

1:00:47Lash claw. More fake lashes. Okay, we get those every second of our lives. Stylus pen for Apple. Dog poop bags. The first one I actually finally support. More lashes immediately. Puppy pee pads. Bad, bad, bad. Sling. Dog carrier sling. Yeah. What kind of dog do you have? A Pomeranian. And fake nails. So it just yaps all day? Oh, yes. Oh, I could never do that. Oh, yeah. She's rough. That's kind of why my girlfriend can't stand her. Yeah, you were laughing. It was yapping while on the phone with Lindsay, she says. Oh, no. I'm sorry, Lindsay. Oh, yes. Oh. Okay. Guys, I just wanted to say an extra thank you for making Simpler Budget an incredibly popular app.

1:01:35I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future. and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two-week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, will get a Founders Edition Simpler Budget Notebook, and it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app.

1:02:07And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download Simpler Budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for Simpler Budget Premium Annual. Why the f*** are you cleaning Walmart. That was for a laptop. From Walmart? Yeah. What the f*** did you even get? It was a refurbished Mac that I got for only fans.

1:02:47Mac what? That you got for all of. You're still paying for it. Yeah. I know. You need a Mac for all... Guys, in order to upload pictures of my tits, I need a f***ing MacBook. They have a specific software. I need a Mac Studio. I need an M4 Ultra chip so I can upload a picture of my tits. Asshole. What the fuck are you talking about? They have a specific application that you can use to see what pictures you have already sent to someone. It helps manage the account. Only Apple has this. Apple and Windows. So the two options. Okay. And it's a downloaded. Uh-huh. It's not a browser? You can't use it in a browser.

1:03:36No. You cannot use it in a browser. It's like an application. Yes, but you cannot use it in a browser. I mean, I couldn't use it like on my phone. Like it's a Mac thing. And Windows. And Windows. Which means you could have got a computer you could afford better. Okay. Yeah, I guess. But this was a refurbished one. I didn't buy like a totally new. Like 700. And what is it? A MacBook Air. Year? 2020. one that may have been the first M1 I don't know might not have been worth it dude you can go buy the fucking M4 MacBook Air for like a thousand right now that's 300 dollars more and I bet it kicks yours ass I don't know I need a fact check what year it's from it might be newer than that what else what the fuck else are you doing I'm here.

1:04:34What are you clarifying every second of your life? Well, I did take a vacation. Yeah, you take every summer off. We know. This one was in September. Oh, great. Not enough taking two months off. So I ended up actually going to Houston. Classic vacation destination, I guess. The swamp of Texas. I went to go see the YouTuber Mr. Ballin with my girlfriend. To see him? Uh-huh. He did like a live show where he just told like the spooky stories in person. Oh, I didn't know he did that. Oh, it was so cool. He's been to my house. What? I love Mr. Ballin. I love him. No way. Yeah. Wait, that's so cool. Oh my gosh.

1:05:21I have to tell my girlfriend. Yeah, I'm sure he seems nice. But yeah, we, we drove from there all the way, uh, or drove from home all the way to Houston and then drove back, but that included like the Airbnbs. Pomeranian dog, now that I'm thinking about it. Yeah. I mean, that's not like an adopt from shelter dog. It's like an expensive dog, isn't it? Yeah. How the f*** did you pay for your Pomeranian? My OF money. Oh my. You cash flowed it with tits? Yeah. Okay. She was, um, I think she was like a thousand. Yeah. When did you get her? When did I get her? When did you get her? In December. I got her around Christmas time.

1:06:05But around that time, I also got her like the like the training classes and originally the VCA stuff. I got her like her exams all figured out. Like I got expensive to get a dog. Yeah. And you did it. Yeah. Did you you didn't firm ration pay all that? Did you? No, I did not. I bought all that with the money. No, they're telling me you did with the training classes No, the training classes, you're right That was not me That's a part of it See,

1:06:41I can't Tell the truth, correct What is this, a car? Looks like it I do have a car It is a Nissan Rogue SV Year? 2021 Why the f*** do you need a 2021 car? I know LA is a driving city It's not a walkability in sight I had almost paid off my other car But I Did it break? I just got bored with that car You're not going to make it With mindsets like that You're not going to make it I can't fix someone who just does that Who opens a new credit card Out of a whim even though they decided They couldn't make their payments Because they wanted to get fucking little action figures Except they were just decoration Couldn't even do anything with them And then next They sell off their business to an agency Essentially that does nothing Get a car because you got bored Even though we almost were in a good financial position Where we owned our car outright Guys everything's on auto pay Oh wait I'm missing my payments on my things Oh wait all the things that are on auto pay Now we're not on auto pay

1:07:52I had help And it's getting sucked from me That's what she said It's getting absolutely sucked from me You're at just over a 9 % interest rate on this car. Yeah. The minimum payment include this in your minimum payments with everything. I don't know how the fuck I'm surviving. All right, mommies. $342.58. Do I have a value? The VIN is not correct for anything. No way. Well, you gave them the wrong VIN. I didn't mean to. Well, we don't know what it's worth, I guess. Do you want me to look up the VIN? Well, you're looking for it. With this stuff that you're dealing with, deciding whether or not to get back in the industry, Actually, before you decide Well, actually, if you go away from it Just go away from it But if you're thinking about going back before you do Please sit down with a therapist I'm going to cover three free sessions With Sondermine Talk to them about it I want to make sure you're doing something That you're not f***ing yourself in the future Mentally over the stuff People go through bad experiences there Yeah, definitely Had one What, the agency or something else I don't know about?

1:08:55No, just the agency Just the agency All the other experiences have been positive We haven't done anything Are you a collaborator? No It's a solo Yeah, just solo So when did you get this car? I got it in March of 2024 It's going to be paid off in 2030 Yeah Just take the f***ing barrel now End it It's looking like the car is worth maybe around$16 ,000 So it's actually not that bad So what we're probably going to do with this then You want to get rid of it? I don't want to get rid of it. I don't give a f***. Are you willing to get rid of it? Am I willing to? Yes! Then I'm not going to be able to get anywhere.

1:09:33Obviously, that's not what I'm saying. If we get you another car, are you willing to get rid of it? Yeah. Okay, you're probably going to sell it. What's your credit score? 680. Yeah, you might be able to get a personal loan. Probably getting a personal loan to pay off the difference, about$1 ,500. Okay, boom. Then you can sell it. Then you get a$10 ,000 car with a$10 ,000 loan. Then boom, we've already cut your debt down by $16 ,000. That's a downgrade though, right? $6 ,000. Huh? That's a downgrade though, right? Yes. You don't need to live a high life. You make$25 ,000 a month in LA. That's the rough part.

1:10:11Is that all your debts? I can't believe I fucking inked myself. You have$65 in your checking account. What the fuck are we doing? Start with$45 even worse. No wonder some credit cards. You know, I bet some of your payments aren't even late payments. I bet they're just bounced payments because you don't have enough money. No. I bet. I mean, I don't know. We'll see. I know. It's stupid. It's a bakery and poke and community restaurant, whatever, something. I don't know. Sending$50 out cash, Apple cash and Microsoft apps loosely. Guys, other than three purchases on here, this entire page is bullshit.

1:10:50Look at that. the entire page this is f***ing crazy you don't give a s*** you don't give a f*** you're swiping more than ever with a low income and a high cost of living area you don't give a f*** loose leaf apple bill pizza, bella beauty lounge and then you don't even wear your real hair phil's coffee, luna grill apple cash out snack, we're gonna have f***ing snack for$7.19 cents. Okay, great. That's a worth it. Snack. Apple Cash sent out. Casa Ramos. Uber Eats. Soup and Fresh. Darby's. Apple Cash sent out. Seven Leaves Cafe. Luna Grill. Apple Bell. Apple Balance cash out. Apple Cash out. What is all this Apple Cash you're sending out?

1:11:38It's every second of your life. Can I see it? Oh my f***. It's not something to look at. It's literally just Apple Cash sent. It might have been to the agency. What? Yeah. Otherwise... You have to pay them their cut? Yes. And you pay them in Apple Cash? You don't even know? Luna Grill, Apple Balance, Apple Cash, okay, Apple, Apple Bill, Starbucks, Apple Cash, Dumpling Bar, Spotify, Starbucks, Apple Bill. There's a lot of Starbucks. This episode is brought to you by Amazon Prime. Black Friday game day on Prime is an epic day of live sports. It all starts at 9 a.m. Eastern with the Capital One Skins game.

1:12:21Then, Black Friday football returns when the Bears take on the Eagles at 3 p.m. And it culminates with the final night of Emirates NBA Cup group play with Bucks-Knicks at 7 p.m. and Mavs-Lakers at 10 p.m. Black Friday game day, only on Prime. It's stupid. Zellin' out$164, Zellin' out $800, Zellin' out$40. That sounds more like the agency, right? Yeah. Because$800, that's a substantial amount of money. That's my rent that I send to my girlfriend. You don't have enough money in your account, so you pay$5 just for the privilege of having this account on a monthly basis. You don't even know that. Oh, my.

1:12:58But I did recently, they have at Knott's Berry Farm, they have this food plan. So I. What the fuck are you talking about? Food plan for what? You pay. Farms? What are you going? Knott's Berry Farm? You're picking corn? No. What are you talking about? Knott's Berry Farm. Maybe if I just let you talk, but I didn't want you to. No, but like, do you know Knott's Berry Farm? No. What? So where do you get berries? I don't know Whoa It's like near Disneyland So it's an amusement park Do I live near Disneyland? No, but I thought it was famous enough I don't know Jake, do we know Knott's Berry Farms? Jake has stepped inside his office Lindsay doesn't count She's from LA Knott's Berry Farms and Big Yeah Knott's Scary Farms Yes Spooky, scary Not Scary Farms Do you know about Knott's Berry Farms?

1:13:42We're gonna ask Jake, do you know? Yes Oh, okay Maybe I'm Either way They have a food pass that comes with their annual pass, which is like$100 for the annual pass a year. And then$165 for this food pass. And you can come in anytime and every four hours you can get a meal. So when I'm hard on cash, I do usually do that. How much does it cost to get a meal? It's free with$165. $165. You can get a free meal every day? Mm-hmm. Isn't that nice? Yeah, that sounds like a worth it subscription. Why are they offering that? I don't know. I should gatekeep it, though. Kind of, but also if you're able to literally get a basically free meal or a 50 cent meal.

1:14:32Then why the f*** are you spending so much on going out to eat? That makes no sense. That actually makes it look even worse. Some days I'm tired and I don't want to go all the way to Knott's Berry Farm. And they don't have boba at Knott's Berry Farm. I love boba. Make it at home. I feel like it's just not the same. It's like coffee. It's not the same. Coffee can be better at home. I need someone to do that. Going out to eat was almost$700, and then you sent money, Apple Cash out, to the girlfriend. For rent. Yeah, but also for food. For going out to eat, it wasn't all rent. You were at Apple Cash sitting down every second of your life.

1:15:09It couldn't have been rent unless you were paying rent every day. Yeah. Stop it. Miscellaneous, and now there's$700. Oh, yeah. It's so fucking stupid. It's so fucking stupid. It doesn't make any sense. Oh, my. Sorry. I don't. It's not funny. Our life is a disaster. It's not funny. 177 in this. It's funny. Five below. So probably it's a bullshit. Raw store. Starbucks. Starbucks. Snack cat. Two hands. Starbucks. Rad coffee. Starbucks. When you're talking about going better coffee from home, you're getting Starbucks. Burnt ass coffee. Fuck off. zelling out money oh it's all bullshit it's all bullshit orange circle santa anna amazon starbucks getting some bs amazon ross broth santa anna bullshit starbucks lunar grill prime video Coffee and Griff Taco Bell Snack Cat Flame Broil Ah It's another f***ing page You're hurting my voice With all Just the absolute stupid Yeah You're going out Twice a day minimum Probably three times a day Starbucks Coffee Lunch Dinner Yeah We have like a 25 cent meal That we can go get F*** you Olive Garden Wetzel's Pretzels Great Cassidy's Corner Home Goods Getting some bullshit Starbucks, TJ Maxx, you get clothes every second of your life.

1:16:39Ross. It's usually just like unnecessary decorations. Oh, f*** off. There is no such thing as a necessary decoration. Unnecessary decorations. Yeah, you're damn right. They're like a stupid f***ing little c*** in a sled, right? One of those Halloween f***ers. Yeah. Yeah. That's the picture I saw. It was Halloween people in a car, not a sled. Some bull**** hot topic. Yeah. I love hot topic, though. I get rewards there a lot. It sounds like you're prepping for a redemption arc. McDonald's, Amazon, Prime Video, Jamba Juice, Knott's Berry, Admin,$21. I thought you got free admissions. I'm paying it off monthly.

1:17:21$21? That's not$150. No, you put it all together. It's like a monthly plan, like how you get a Disneyland pass and you can pay it off monthly. It's the same thing with Knott's. But that's not$150. You said it was$150. If it's$21 a month, it's... No,$160 for the food plan and then$100 for the pass. So it's$250. Yeah, I would say like$250, yeah. But why are you going out to eat three times a day then if it's$20 a month for that? Well, it's Starbucks usually in the morning. Yeah, I know. Oh, I thought Starbucks was in the middle of the night. It's not three times a day. I only eat one time. Starbucks, you lunch, you dinner.

1:17:55Dude, there is no way. But the amount of going out to eat, it is. Plus, sending out for the girlfriend, you're going out to eat three times a day. Starbucks, lunch, dinner You are, there's no way you can't Unless you're getting two dinners a day Starbucks, Leafs Cafe Probably Ladies and gentlemen Here we go Savings Our legendary savings I'm sorry Negative$4.11 Look at it Look at it

1:18:36What bank account is this? Your bank account! What bank account is this? I have a couple. I have a couple, like, one for savings, one... Yeah. That's stupid. This has changed. It's better now. I don't give a f***. This last statement, you were negative in your f***ing savings. $83 in acorns. Yeah, no. Acorn means nothing. And acorns is good. I like acorns. I prefer moo-moo. Everyone knows that, but it's fine. I don't know moo-moo. That's fine. That just gets you better cash rewards when you deposit money versus acorns. And then$890 in here, but it started at$1 ,000. So it's just going down in this checking account.

1:19:20You're just sending money out, like you said. So it's not even a reliable savings. What a joke. This is all a joke. This is a fucking joke. Before I even make a budget, let's just see if you can even, Is there even a chance for math? What are you going to make dog grooming? Do you know? So she said I could make up to like$40 ,000 a year. For LA, that is a big struggle. Yeah. I'll gift you a course career certification of your choice if you want to change your career path. I smell the dog fart again. Something's happening. Yeah. Listen, your debt minimum of the payments alone is 1 ,033.99. What's your portion of rent?

1:20:05800. What's your portion of utilities? That 800 includes the utilities too. Internet as well? Yeah. Gas. How much gas driving? Oh. Vroom, vroom. Drive, drive. My mom helps me with the gas. See, she didn't even tell me that early when we literally talked about it. Did we? I'm sorry. Are you serious? Did we? Did you just, did you just, did we, me? No, f*** you, did we? Yes, we did. You said, no, it's only for food sometimes. Which, by the way, f*** you, because look at your food spending. I know. F*** you. What an enablement for mommy. Car insurance. Yeah, car insurance has gone up. Two? What? It was$190, and now it's going to be$240.

1:20:54$400 to go and we're maxed out. Phone bill. Mommy? Mommy, take care of that? Maybe you should have told me that when we went through this conversation. You privileged, spoiled brat. Yeah. If you're ever on your own, do helium. Helium? If T-Mobile's good in LA. Do you pay for groceries? Yes. I'll give you$300. Use the cookbook. TV fun, anything else that you need to survive,$100.

1:21:28And I hope we have nothing else because that currently has you maxed out. But we have dogs, single dog. Do you have to take care of the cats as well? Yes. Okay. And you are out of luck. Because even$40 ,000 a year. Yeah. I think that's minimum, too. It really just depends.

1:21:59Listen, here's the thing. The reality is,

1:22:09you optionally only make that much money. Yeah. Because you work 30 hours a week and take off 15 % of the work year.

1:22:22No, more than that, because if we incorporate weekends and all that stuff, in terms of actually working hours, you probably take off like 20 % of the work year. And then you actually take more vacations throughout the year, so I wouldn't be surprised if you take off 25 % of the work year. This is all a choice, and when it's all a choice, I don't give a f*** at that point, because literally you're choosing this. This isn't a mathematical error. This is just you f***ing around, not caring, being a spoiled brat by two mothers. It's stupid. Spending a budget, zero out of ten. I'm pissed off. Debt, I mean, it's honestly not the worst.

1:22:51You're just a dumb a** paying it off. Yeah. We can make it better with that car consolidation. It's a 2 out of 10. Emergency fund, technically a little there, but I bet it's going to be drained. 1 out of 10. Retirement, I didn't see dick. No. 0 out of 10. Real estate, 0 out of 10. The closest you'll get to owning real estate is your girlfriend's mom. Yeah, I know. Hammer financial score, 1 out of 10. Guys, join us in the post show. I know with this type of conversation, that's where we can have conversations about things that would get this episode demonetized. So make sure you join us there. And join Hammer Elite for thousands of hours of extra content.

1:23:27We upload almost daily there. Help support the channel. And last but not least, don't forget to download the Simpler Budget app today. See you in the post show. We can talk more about the nitty gritty because we can't get demonetized in the post show. So what is something crazy? What should we know about this OF? Tell Caleb how much you spent on the tattoo and what it's of. Oh, and where even is it? $1 ,200. It's my... You affirm the f***ing tattoo? Yep. All right. To watch the Financial Audit post show, click the Join button below.