Financial Audit’s Biggest Freak Show

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0:30rock texas this is financial audit normally this is where i ask what's your job what's your income but i need to call out the fact that i came in here i sat down we had the normal conversation is there anything you do not want to talk about no that's not what you wanted to talk about what you wanted to talk about was you hit me with the you know just to let you know i don't know if this is gonna impact anything or not you know but my finances are worse now than they were when i sent these statements my finances are worse and honestly a little stunned to hear that because how can they be worse because the spending on these credit cards is some of the most it's some of the most insane spending i've ever seen on active interest accruing credit cards ever and then to come in here and say my finances have gotten worse worse i didn't know that was possible so i just wanted to call that out because the audience wasn't here for the pre-film conversation so the fact that it's gotten worse i'm very curious to hear okay but what do do you do for a living in round rock um i am an assistant store manager in retail and joanne fabrics and Yeah, retail.

1:53Oh, that was like an ick? Yeah. Oh, okay. Oh, okay. Joanne, wait, you can't. That's not necessarily a bad career or a bad job or anything, but there is no way you are making enough to spend the amount of money that you are spending on these cards because I didn't know that. I didn't know that. I knew you were spending. I didn't know that. How much do you make? They don't pay very well. They do not. If they don't pay very well, how are you possibly spending? Okay. What do you make? That's a good question. Is it? I would love a good answer. Please. Come on. This is the easiest part of the entire conversation.

2:30Everyone struggles with it. It's a good question. I thought I made$55 ,000 a year, but then I just kind of took a look at it this morning. And at$24 ,75 an hour, roughly 40 hours a week, that is definitely not$55 ,000. Pay time off and everything? Yeah. Should be$51 ,480. Oh, yeah. What? It's sad. That's pretty close. It's sad. I'm an old lady and I make no money. No money. You are below the median household in Austin, close to$80 now for the median household in Austin. Median salary in Austin, you're pretty darn on it. And Round Rock is certainly cheaper than Maine, Austin. That is true. Median salary.

3:19okay well let's find out because i don't think are you like down on yourself about this oh yeah definitely definitely is this a single household income no okay then what what how much does the other side um how much does he make is that the median individual salary in round rock texas is 49 000 a year yeah i mean i probably could should be comfortable yeah content not with the spending that you have and i know you haven't seen it yet trust me we'll get there i know it's a little hard when i freak out first but i just know what's in this disaster okay well okay so you have a husband no or wife or boyfriend oh oh it's not a deal but i live with them are your finances combined no they're not this is not a dual income household you guys just like split split a place to live okay then never mind it doesn't matter um i mean i guess for the rent part it might matter uh what does he make let's get context um i believe it's 110 yeah if you guys got married you'd definitely be well within and way over the median household income of austin texas so yeah how long have you guys been together um oh wow uh very bad at these things probably five years six it's marriage on the horizon that's a while to be together we don't talk about it i'm not you never what i don't know it's just an uncomfortable conversation why how's way how's that uncomfortable for someone that's been together five or six years um you like go i don't know if i ever want to be married and i'm not sure how he feels about it either oh well if you don't want to be married then don't get married right yeah yeah okay what do you think it's gonna like summon a demon or something with that no no no i just wouldn't i wouldn't be helping his financial situation by saddling him with my debt so i i mean the only one who would benefit from that type of situation there's tax benefits there's a lot of benefits it's different than that also it's just it's kind of the union that a lot of people see and it also protects you guys in the case of getting a mortgage and stuff either way what happens if he leaves you right now you're all right yes okay and that would be less likely uh-huh i know it's not funny so you make above the median salary in austin but you clown on it like it's nothing yeah i mean it's did you try to summon something no no i just feel like that's true just from my perspective you know i've watched my parents work from the ground up and and start you know at entry level positions which i assume you did no one starts at 51 000 yeah but you know they've also made me feel like it's not good enough so probably i've internalize that and i don't believe is it because it's retail or is it the number yeah it's retail it's like i haven't really utilized my i don't get it you can make a career in a lot of different fields i don't do you could start at the bottom mcdonald's and work your way up to being a franchise owner and i don't you wouldn't look down upon that if you ever worry about your personal security keep listening this year we've seen some seriously massive data breaches at &t nine million customers info hacked united healthcare the largest ever healthcare data breach in the united states but the most insane one national public data 2.9 billion records that's like every american's info just sitting there for hackers to grab social security numbers full names addresses it's death and you might be thinking yeah but that won't happen to me that's what i thought as well until i started using the sponsor of today's video aura and i found my email and passwords were floating around on the dark web not fun aura monitors billions of data points including the dark web to check if your info is being sold leaked or used in scams they even give real-time alerts for new breaches plus with a built-in vpn password manager and the option to opt out of data brokers selling your info aura has you covered and in case things go south they've got you protected with up to$5 million in identity theft insurance.

7:25Ever since I signed up, I feel like I finally got a handle on my digital security. And trust me, you'll feel the same. You can go to Aura.com slash hammer to try two weeks for free. Don't wait and let Aura scan and see if your data is already out there. I don't really, I don't get that. That doesn't, oh, them. Who gives a shit? I mean, you might give a shit. But to me, it's embarrassing. Wow, you look like someone who read bells from their parents though so I'm a little confused why you care yeah but they they're in my head they're already everything that they've you know taught me has has got me to that point where are they the only voices you hear in your head yes okay just wanted to make sure yeah for sure okay so their opinion weighs on you a lot about this job yeah what do they do what's their special little jobs um that are above your job I mean my dad started as um he's done quite a few different things but he started as just like a painter and um worked his way up into you know the union and um had had a really good comfy gig and then he started his own business so um he's probably doing that right now i don't know i don't talk to him i haven't talked to him in years why do we care what he thinks um because again he raised me so you haven't talked to him you don't know what he thinks yeah but and her he did push me to go to college when i didn't let's talk about the one that pushed you out what about her um yes she she started off in um mortgage the mortgage industry and then she was working for fannie mae um pulling in over 120 a year um right before she retired i mean sure you definitely make less than that but that's uh i don't get it yeah i wouldn't think too much about that at my age i feel like i should be doing something else fine why haven't you done something else i've just fallen back on whatever's been offered aren't joann's closing around the country no no not that not that they've told us about any closings no i actually work for one of the locations that pulls in a couple million a year um we are a large heavily trafficked store so we're not going anywhere gosh maybe it's because we're in a crazy election but when i hear traffic that is not what i okay and i've been offered my own store but i i'm not willing or able to relocate at two um like midlothian texas where is it um places that are like two and a half three hours away okay that is a bit far and you wouldn't want to leave your boyfriend yeah um wow the median annual income for someone in their 40s and round rock is 88 000 there you go i'm not that's crazy that's that's that's an insane number that's a lot of money it's okay if you're not proud okay fine let's move on from this let us talk about the fact that how much came in this last month oh i don't know that of course why would we know how much money comes in from an income how much did you make this last month come on you know your salary what came in you're not budget have you never looked at an account i try not to why it does the but that that what is that funny big scary numbers it's funny that i don't look at my account and i ruined my entire life and that's great i said i wasn't gonna do this laugh out of embarrassment but yes oh it was a A cop laugh?

10:56Cop laugh. Yeah, cop laugh. Cop laugh's okay. I get it. Listen, I get it. Let's call it a cop laugh. As long as this is not... Okay, it's a cop laugh.

11:09Okay. You're right. You're interesting. Thank you. Okay. In a good way? I don't know. I don't know. Listen, just... Better to be wanted for something. How much came in, for f***'s sake? What do you think came in? Oh, my gosh. You have a job. Maybe close to$3 ,000. See, you're not a complete moron. Don't give yourself that treatment. $3 ,160. You know how much comes in. You're not dumb. That was correct. Don't treat yourself like that. Quick math. Yes, quick math. $3 ,100 comes in. Wonderful. How much was spent? Way over that. I'm sure. I'm sure. I don't even again I don't even how much was spent nine thousand three times what you brought in and you think that's even close to acceptable it's not about it's not about how much you make it is not you are not in an unsurvivable income in round rock Texas you're not the rocks not even around and listen you make enough money to live there you do i did this to myself yeah yeah so why why would you possibly spend 9 000 hours it's not about looking down on your job it's not about looking down on your income it's not about looking down on your life it's not about not knowing how much comes in it's about the fact that you spent three times your income and then you tell me it's actually worse now your financial situation has gotten worse now so tell me why would you possibly spend nine thousand dollars when three thousand dollars comes in probably a little bit of what did you just look at the camera i look at the camera what are you looking at stop are you taking this serious hey yeah okay focus up seriously yes it'll piss me off i'm sorry come on i'm pissing myself off um so yeah like why why we need to know why do i do i know um probably a little bit of adhd a little bit of everyone on the show apparently yeah a little bit of autism maybe i mean also everyone on the show apparently mental illness thrown in there for good measure a little bit of trauma oh yeah sure you wouldn't be a guest on this show without all that sure Yeah, all the excuses.

13:40Uh-huh. All the reasons. And not that any of them are not real, but I'm a little sick of hearing about it four to five times a week. That's how much we film. It's because I'm probably looking for a little bit of happiness. A little bit. That makes a bit more sense. What does life look like that we have to go three times our spending on happiness? What does life look like? That's the reason I don't look at it. What are you looking at? Oh, just everything. No, you look. Bye bye. Sorry. Bye bye. I am here with you. You sure you're not like in. You didn't just go to like another portal or something.

14:19Did a lot of disassociating today. Yeah. To get here. So I'm probably coming back to earth right now. What is your life like? That we need to spend three times to feel better. I can't say it's bad. It's pretty cushy. I mean, I have my necessities met. Then what was that excuse? What was that excuse then? Just old resurfacing issues. You're not that old. Oh, okay. What? I'm past half of my life, so it is pretty old. That's the old resurfacing issues. I only have so much time left. No, no, no. What old resurfacing issues? Yes, ha, ha, ha. Like old traumas. You don't have to be past you. After COVID, I gained a bunch of weight.

14:59I was wearing just sweats and t-shirts and, you know, at some point my boyfriend mentioned that maybe I could dress up every once in a while, which spiraled me into thinking. Wait, how did that conversation go? Was it said just like that? If it was said just like that, that's a pretty way to say it. Bruh. I'm sure we could have conversations about, hey, hey, like, are you doing okay? Because, you know, you've been a little sloppy. My spending habits were under control. I typically overspend, reel it back in, take hold of the reins, get my finances in order as far as credit card debt goes. I still have student loans and crazy stuff.

15:39But so I'll pay everything off and I'll be in a good place for a few months. And then something happens where I just. So what then would it actually be if two excuses so far are incorrect? So gaining a lot of weight has caused me to. so gaining weight's a trauma no no no um i gained the weight during covid the trauma being in 2016 my long-term boyfriend of 20 years my high school sweetheart passed away oh you guys were together yeah yeah oh i'm so sorry i saw him wow so that for like a decade and a half or so yeah two decades yeah yeah wow i'm really sorry when did that happen 2016 2016 okay um that's hard so things have been i never grieved properly i'm just gonna say it i don't but i know it's listen but a decade later we spend like because of that like it's yeah well it's been happening are you just it continues are you trying to find a reason or is that just bad habits no one ever taught me about finances or the value of a dollar so if i have a little bit of when did you get with your current boyfriend oh um 2020 ish i don't know i'm bad i'm bad at these things well we all got fat to the same size it's it's okay it's like it happens uh i get it um yeah so what is you getting down on myself thinking you know um the instant gratification of spending a little bit of money a lot of the thickness you have already achieved the boyfriend and i can't get a girlfriend so it's just like you already have the thing that is necessary for looking good uh but not that you shouldn't have self-confidence after that i'm not saying but either way either way either way so you just beat yourself down is different but you beat yourself down on your job you beat yourself down on your income you beat yourself down on your weight you know you do what you can do to try and make yourself feel good yes yes absolutely and that is spending money okay yeah okay well self-assessed i don't have uh self-assessed i want to know where you think you are oh okay i mean zero to ten zero being the absolute worst ten being the absolute best where do you think you are today your finances just your finances and yours not you i believe i'm a zero that sounds But as a realist, try to be.

18:10Probably more like a two. Okay. If you want your Hammer Financial Score, it's free. Link in the description below. And if you want to come on the show, calephammer.com slash apply. You can come here and you can summon a portal in the middle of our studio. All right. So. Huh? That's good. Good. Yeah. Were you an extra in Agatha all along? Capital One. Oh, we're getting into it. Okay. I know you met Marilyn Manson, though. I was told that. Yes. several times. This was just the most recent time that I didn't have money to spend on meet and greet tickets. How much is a meet and greet with Marilyn Manson?

18:44About$500. Oh, wow. He's fell off. Okay. He did. It was his comeback tour. Did he come back? Yeah. He's sober now. He's looking good. Feeling good. So, got to give him props for that. Sure. $6 ,476.40 on a Capital One card. with a$182 minimum payment the crazy thing here and what i was talking about at the beginning is i mean we already know you spent three times what you brought in obviously that is going to be reflected on these cards thing is the majority that actually went towards the card were credits from returns but payments 430 okay all right we paid more than the minimum doesn't matter we spent $5 ,674.33.

19:35How possibly when we are accruing, wait. Wait, actually how possibly? Like legitimately how possibly? Because that is, again, new balance$6 ,475. You have a credit limit of$5 ,000. Yeah, why do they keep letting me charge? Probably so they can eventually just absolutely destroy you with credit and fees. I'm gonna pay it off I just What do you mean you're gonna pay it off Yeah you would probably struggle If you spent The amount of money Plus more than there is On a credit limit No You'd be struggling If you were gonna pay it off why didn't you pay it off You don't make this much money You don't make this much money on a monthly basis to pay this off What are you talking about that doesn't make any sense You'd have to put all of your money of two months earnings No expenses anywhere else and I know you have expenses to pay this off.

20:30So what do you mean I'm just going to pay this off like it's so nonchalant and I'm struggling? What do you mean you're struggling? Yeah, you spent the credit limit. You spent double what you make in a month on a single card. I mean, I've done it before. I just don't really know. It doesn't matter if this is how we are today. Yeah. And it continues to happen. So even if I were to come into some money and just pay it off, I'd probably go right back to those old habits. Which is disgusting. I know. I know. If you know, and I ask this to everyone. Okay. Why don't you do anything to fix it if you know it?

21:14If you know it. Don't know where to start. Somewhere would be preferable. Often feel hopeless. Not really sure what can be done. To what? To the debt. I just go paycheck to paycheck. I'm talking about when you get back into the debt. The spending that has gotten you there and you know it's bad and you know it's a bad habit. Why haven't you tried to prevent yourself from doing it? A good prevention tactic. How about that? How about I offer a slight solution? That'd be beneficial? How about I offer a slight solution? Don't have credit cards. because then you can't spend on them. Yeah, it's not my money.

21:59I get it. You can't be agreeable like that because if you get it, it's just like, oh, you know, I am 100 % aligned. Yeah, yeah, yeah. But I'm just going to do the opposite anyway. That's not how that works. You're not going to say something just to look good. No, no. If you agree, then you wouldn't have credit cards. The instant gratification just is so overpowering. Of what? Gratification of what? Just the - But is it a food thing? Is it the dopamine from the grease? Is it buying a thing? Yeah, definitely the dopamine hit from getting a good deal or finding something that you've been watching for a while.

22:39Is it even possible to get a good deal if we spend double what we make on a singular card that is accruing an interest and now we're over the credit limit? No, and I was just looking at that as I was sending over my records. I was like, holy crap. excuse me, why am I saving$100 here, returning, rebuying, getting a sale, using a coupon, what have you, however to get a better deal, when now I have a minimum payment or, like you said, interest of$118 on one of the cars. I just, like, how am I just becoming aware of that? How long does it take off just paying your minimum monthly payments without even spending on it, which we know you're incapable of?

23:19How long does it take the payoff? um before i got my new car i how long would it take payoff was the answer that i the question that i asked probably six months six months of suffering six months yeah you'd be 65 when it's paid off oh 23 years see i don't understand how money works then clearly you really can't have access to a credit card yeah you really think it's time to cut you can use you can use a card like the fizz card it's a dab it acts like a debit card but it builds credit like a credit card you can do that you cannot have access to all this unlimited money you can't you can only spend what's in your account and then you just can't spend anymore turn off overdrafts you just can't that is all you can handle you have no ability to manage this now don't get me wrong we are going to give you the education we're going to give you the tools for free you're going to go through the debt class so you know how to pay off debt in the most effective way, how to manage that and how to actually utilize debt in a beneficial way.

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26:26Okay, so the spending on here, that's what people must be asking. How did she possibly do it? Free people. Just tell me about free people. just please just tell me about free people so embarrassing so that's my latest hyper fixation like i just want to eat the same meal for three weeks at a time i want to shop at the same place for so the adhd time yeah are we seeing someone to address this issue that if we get hyper fixation without any good coping mechanisms if we're not seeing anyone then we've just given up and you're accepting it wow that is eye-opening what that's a good question because literally i stopped taking my medication recently so i'm why now i'm wondering why it's connected why because it's expensive to see this doctor and the medication you could probably get it via telehealth what's your insurance and is it more expensive than spending five thousand dollars on free people uh-huh so what's your insurance situation um it comes out of my paycheck what's your co-pay to go to the doctor six thousand dollars that's your co-pay that must be your deductible oh deductible yes words yeah co-pay co-pay is what is taken out of my paycheck every month right oh i don't know I really don't know okay okay do you have your insurance card on you um yes give it to me I might be able to tell you you can go get it okay

28:07guys just a little spoiler look at this free people spending every line on there is basically a free people spend alright let me see

28:24Okay, first of all, in network, go somewhere in network. It's$2 ,000 a year. Yeah. Are you kidding me? Come on. It was just pissing me off spending. Let's not say it's super expensive or not affordable. Let's just say it was pissing me off spending that money to see a doctor and the hoops that you have to jump through in order to get your medication. What? You mean getting diagnosed? post did that what are the other moves you have to okay yeah to see test you have to pay out of pocket for that yeah probably to see that you're not interacting with things so that you're not around and that's what's actually causing your issues but i'm not that seems very reasonable they wouldn't know yeah but i feel like you shouldn't be treating me like a criminal to get to get my life-saving medication i should be able to get it without having you look like you sit in a circle of knives every night before you go to bed i what i would do a test too you would test me that was a joke by the way i passed all of them i already have for consent to make fun of her and make jokes don't be a little pearl clutchers children here i don't want them to see your names okay okay yes you saw that on the card it's got that info on there i don't know i'm just being safe no no no you saw yeah the deductible stuff uh-huh i should know that oh you've been in adulthood way too long to not know things i'm sorry like that's just a simple reality health insurance that's very basic very basic it's literally just there or you can ask someone at the front desk either way the hoops you have to jump through making sure that your heart is interacting with it well through an ekg and making sure you're not in any kind of drugs it seems uh pretty okay to me adhd what what is it well like uh you know the the addictive substance right yeah right that people can often abuse and turn into other substances you know they can not not turn into but they often go to crystal variations yes or powdery variations yeah uh-huh i would drug test you too that's probably just basic safety Those are the hoops you have to go through And also$2 ,000 And then they cover 80 % of every expense after that In network Yep Which you can find You live in the awesome metropolitan area You can find in network This is not difficult You are a child You are a literal baby Totally Come on, like legitimately Sounds like too much work, what do you mean?

31:03You call, do you have a phone? There it is Google, call this is easy it's probably on the website are you serious you know what you're right it's too much work to spend 10 15 minutes so suffer for the rest of your life if that's if it's too much work so you've just given up on your life then fine conversation done that's what you've chosen you're done you've given up you've concluded life has ended no then do something act like an adult that lives in this world are you serious i don't know how to deal with that that could be what happened yes because you stopped your medication without doctors yeah yeah without being thought i knew better one you don't just quit medications without talking to a doctor this is this is basic i guess i need it i guess it's true or you or you potentially wane or you potentially get on something else or you potentially see a therapist on a weekly basis so you develop better coping mechanisms around this this is simple stuff is it yes okay oh it seems like a mountain okay okay which okay fine it might feel like that it might be daunting because you haven't looked at that okay let me um let me respect that and from there then maybe we just take baby steps Go just look at therapists in my area.

32:27See if you can find anyone that works within, you know, accepts insurance. Some don't. Some do. Just figure that out. Maybe start seeing someone. Okay? Yes, sir. Maybe start there. I'm trying to get into the whole Southern thing, you know, like. I like it. Very polite. Everyone's been very polite. Good. Yeah, it's a pleasant city. Free people. Free people. free people free people free people free people free people that's this one page that was 32 138 dollars 320 dollars 212 dollars 138 dollars 106 dollars 138 dollars then we actually switched up and went to ross then all these free people let's say 281 dollars oh you sure did and then 160 dollars 108 dollars 106 dollars 12 dollars oh that was hangers 290 dollars 439 dollars 322 This is insane.

33:20You know that? Also, we got a hotel thing. Something at Homewood Suites. Yes. Hadn't gone on vacation in many years. Moved down here. Planned a vacation with a boyfriend. We. If he pays for it. Well, I covered the hotel cost. Everything else was covered. Yeah. Yeah, you don't have any money, so I don't care. No, you didn't. No? No. I feel like. Give the vacation a happy ending. I promise he'll be good. There'll be good enough for him. 432 ew he's your boyfriend i don't care what you guys do i was making a joke but saying ew about looking at no i said picturing your boyfriend naked i'm a naughty little boy i'm a gooner trust me i mean you you don't subscribe to the post show do you i don't think i know what that is good you don't subscribe to the post show do you no good because you don't because you don't have the money but if you saw what we were like behind the paywall it is a rowdy mess of just naughtiness and insanity.

34:16Let me just adjust my panties. In fact, the live stream...

34:22For fuck's sake. Oh my gosh. I don't need to know this. At least I'm not spending money on that. Spend money on that. If you don't have any, spend money on that. Are you fucking kidding me? Okay, what were you buying? Because I've only gone through half of this. Clothes. And there were hundreds of... Clothes I don't need. tell me for f**k's sake i'm losing effort right now into this conversation especially after that disgusting bit for a second what what were you buying for f**k's sakes please shoes and clothes and bags shoes and clothes and bags what kind of clothes what kind of bags what kind of shoes what are we getting i'm just trying to understand what the f**k you're doing i was trying to Is this because of the baggy pants things?

35:09Yeah. What is this? What? What? Update my wardrobe. Feel, get a little bit of confidence in myself. Well, okay. That's not a bad dream. Dresses. It's mostly dresses. That's not a bad thing. I'm not a dress person. That doesn't mean we do$5 ,000 out of the gate, though. Well, every item from Free People is like$150 plus. Maybe we're not going to Free People. That was your choice to go to Free People specifically. I've never even heard of it. Huh? It's Free People right now. and at one time it was therapy therapy oh i get hyper fixations too i do usually it's meal related things which is why this gets created oh i just eat the same thing over and over again oh yeah but guess what uh therapist yeah well it all stemmed from a comment that my lovely boyfriend made that probably he's not even to blame okay but you know he said you look pretty in a dress I'd love to see you in a dress.

36:04Why don't you ever wear a fucking dress? And then I bought 50 dresses. He wants you to put more clothes on and you said gross when we talked about him having clothes off. Yeah. Well, just because we don't know each other like that. I didn't know we were going to be talking about that. Uh-huh. So because he said that, you hyper fixated on free people? Yeah, because I was trying to find myself, like my style. Like what is my personal style? Do you have friends here? No. go with him did you go with him he's come with me to return stuff yeah we saw some returns but it doesn't even come close i returned so that i can buy more that's insane how many different individual pieces of clothing did you well you said it's like 150 dollars a thing right yeah let's break it just on average a whole closet full of that i don't wear uh-huh why don't you wear because i'm more of a collector yeah 36 okay 36 pieces probably so looking for stuff on sale though it's probably closer to 50 does that make anything better is that free people you're wearing free people right now yeah okay why free people how do you get fixated on that specifically because i'd like to think that i'm boho chic i don't know what that means but my boyfriend says it's more like hobo.

37:24He thinks I dress like a homeless person. I'm sure that'd be a funny joke if I knew what the first part meant. I'm gonna design a bindle. I don't know what these words are. It's what hobos carry. It's a stick with a bag. A bindle. Oh I thought the sticks that you had were like wands to cast spells on people. No I'm not into that sort of thing. As someone who owns their home let me tell you. You know how you feel when you try to pick a show that's on a streaming service and there are way too many options. That's house hunting with mortgages. Except picking the wrong choice signs you up for a world of headaches.

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38:28So get started by checking it out at the link in the description below. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners. $439 and then$322,$160,$138,$9.74,$216,$75,$309,$227, dollars three hundred dollars one hundred nineteen dollars hundred sixty dollars three hundred dollars one hundred eighty dollars seventy five dollars that's insane i don't look at it you go there every day like what what is this yeah like the what are the packages the packages just keep coming and then it's like oh oh oh it's webs you're ordering online yeah so you're not even trying no and that is another problem too not that it's an excuse but you you don't know if it's going to work until you actually get it and then there's probably a free people in austin right um at the domain yeah there you go close to round rock but then i'd be there in person and they would see me doing the bad things that i do with my credit card it's bad enough when i go to return and they know me by name and they're like oh it's the girl who's like returning all her listen this sounds more like hyper fixation that is you just going and literally taking a little little bit of responsibility by going to a therapist yeah and working on coping mechanisms okay yeah okay be a adult have a little discipline and self-control for sake oh god yeah being an adult is hard yeah try to be funny that's great that's so that's adequate for this conversation that's this is the place where you should definitely make light of your situation where You're literally destroying your entire life.

40:12Good job. If I don't laugh about it, I will cry. Maybe you need to. No, because once that starts happening, I might not stop. No, I'm not saying I want you to cry, but just like making a joke out of it. This is not a joke. This is not. It's not. You're making your life a joke. I'm like the way you're treating yourself and you're spending working if I don't. Yeah. How much do you have in retirement today? I don't know. Like that's a 401k, right? It can be. That's a retirement vehicle. There's probably$1 ,000 in there. I have no clue. I have no clue. Okay, then your life is a literal joke, financially speaking.

40:47Okay, we can agree on that. Yeah. You shouldn't be laughing about that. No, it's... And we're making light of it because it's real. This is actually impacting you. You're going to have kids with this man? No. Oh. No, I don't want to pass this on to somebody else. This, whatever's happening up here that I need the therapy for. hyperfixion that's just the medication the whatever dude adhd is not like the craziest thing in the world it's not like you you're acting like you have like you'd pass on like a crazy rare form of cancer or something this is it is devastating it is it is with the way you do it the way i do you're not seeking any help you're not you're not allowing yourself to do anything yeah untreated anything is bad it's you literally your choice at this moment so it's harder for me to have it is so thanks for giving me more fuel to hate myself like no you're right you're right you're right it's um it seems like such a simple thing to fix no i'm not saying that it's a lifelong no i'm not saying it's a simple thing to fix i'm saying the steps you can take are relatively simple to at least start managing.

42:03You're honestly, let's be honest, the way you talk about this, the language you use, you're using it more as an excuse and a crutch instead of an actual problem in your life. Let's be very honest. And everyone tries this on my show when they get a little push back, a little push back immediately. Oh, it's a mental health thing. Everyone needs to have a mental health Olympics on terms of who has the worst mental health. And eventually what becomes hard on that is I don't actually know who does at this point because who can I trust? I don't know. It's the victim Olympics. It's the mental health Olympics.

42:33I don't know. And I do believe you have this and I believe you have this actual issue. But congratulations, you not taking a single step or getting off medications without even talking to a doctor first is stupid in your choice and that's being a dumb child. You don't even know how to look at a health insurance card. So it's just like$3 ,067 on the Quicksilver card with a$104 minimum payment. $74 of interest accruing. Does that matter? Because$1 ,460 was spent. We're at the credit limit. Who would have thought? This takes 17 years to pay off minimum monthly payments, no more spending. I hope that's a joke.