Financial Audit's Biggest Karen

25:38You're the weight. You're the anchor in a bad way. You're not letting his shit move forward. I disagree. You disagree. What's your argument? You disagree. Well, I'll be able to make up more money, and I'll be able to get it. How do you make up more money? What does this make more money? Because if that was actually how things would work seven years ago and you went through bankruptcy, it wouldn't be tens of thousands of dollars in bad debt. Tens of thousands? Tens of thousands, asshole. How much debt do you think you have? Like maybe$18 ,000. Okay, it's$33 ,767.23. You have no idea what you're talking about.

26:11Shut the fuck up. You'll be taking that shit that's not forgivable, like student loans, by the way, too, which is a few thousand dollars alone. Like, good luck. That's not going to be bankruptcy. $9 ,000 in IRS debt. Wait, what the fuck? $9 ,000? What are you doing? Oh, my. This poor guy. And what's his insight into this? It can't be much because you didn't even know your number. You said 13 ,000? I said 18. Okay. So you wouldn't be able to answer a question truthfully even if he did ask, even though you're trying to prevent him from asking. Oh, he should be here. He should be here. We need to send this directly to him when this is uploaded.

26:47He needs to know that he is in a precarious situation. He doesn't need to watch this episode. He actually very much needs to watch this episode. No. Yes. He'll be fine. Everything is going to work out. Call him. You want me to call him? Call him. Oh, 200 ,000 hours on a renovation, not 10. What the f*** am I saying? 200 ,000? You literally have 7 ,000 in retirement. What a joke when you have over 30 ,000. You have more in IRS debt than you have in retirement. Well, that is not my fault. Well, I'm sure we'll get there. I'm sure it absolutely f***ing was.

27:29The patient. Cancel that. Off. What do I do? Will he call us back? Yes. Okay. All right. He's going to call us back because he's in the middle of a medical thing, which I don't like when people die, so I think you should make sure they stay alive. Yes. So you endlessly have been nothing but irresponsible. and you're taking him fully down with you and you did not change it. Why did you not change or learn about anything from your previous bankruptcy seven years ago? Because look where you are. You didn't even know your debt situation and you spend more than you make today. Today, today, right now, happening here.

28:11Well, I need to have certain things, like I said. Okay, well, stop with that shit. I'm asking, stop with that shit. I am asking why you did not change your behavior. You went through bankruptcy. It's because you didn't pay for it. It's because you face no consequences. He went and bought a house. You get to live in a house. When you need to build up your team to handle the growing chaos at work, use Indeed Sponsored Jobs. It gives your job post the boost it needs to be seen and helps reach people with the right skills, certifications, and more. Spend less time searching and more time actually interviewing candidates who check all your boxes.

28:44Listeners of this show will get a$75 sponsored job credit at Indeed.com slash podcast. That's Indeed.com slash podcast. Terms and conditions apply. Need a hiring hero? This is a job for Indeed Sponsored Jobs. A nice house now. He went and takes care of everything. It's because you didn't have to deal with anything. You're an immature little brat. I am not. You are, absolutely. You didn't have to deal with the consequences of all your bankruptcy. You didn't even pay for your own bankruptcy. He did. You're entitled your entire life. Entitled and enabled. I'm entitled to what I want and to what I like.

29:16But you shouldn't be. That's horrendous. How long were you single in between your divorce and this new man? Two years. How'd those go? Well, obviously that led to a bankruptcy. Yes. Oh, sick. Oh, guys, are we getting the picture now? Are we getting the picture from Karen Beast? Well, I. Oh, I get it. So the man took care of you your entire life. Parents, daddy, then man. Then the one moment you were alone for two whole years, you accumulated so much, so much debt and shit to sustain your lifestyle that you thought you were entitled to, but you were no longer being enabled, that you ended up in a financial situation where you had no way out other than bankruptcy, and then a guy came in, enabled you again, fed into your entitlement, and didn't even allow you to face any consequences or any bruises from your bankruptcy, meaning you learned nothing, and you're doing it for the third time all over again.

30:15Second relationship, and then one where you're single going through bankruptcy. I see the picture now. You have literally, and I still don't know how I'm not seeing it, but let's talk to him. Mr. Hello, how are you today, sir? Hi, thank you for keeping that patient alive for everyone. Anytime. Sorry that took so long. So why did you bail her out right when you guys met by taking care of this bankruptcy, allowing her to experience any kind of difficulties whatsoever from her previous mistakes. Reason why I did the bankruptcy or why we paid for the bankruptcy. You did. You bailed her out. The ex-husband was fully taking care of her, supporting her and enabling her entitlements.

31:05And then the two years that she was on her own in between, she loaded up her debt so bad because of her feeling of entitled to a certain lifestyle that you came in and bailed her out and now she's building it all back again because she learned nothing. Why would you do that? Because we were buying a house and if we would have bought the house while we were married, basically they would have looked at the bankruptcy and said, oh, well, you could refinance on this loan or it would have given us a worse interest, right? Than what we already had. Yeah, but why did you pay for the bankruptcy? That's a good question.

31:39You bailed her out immediately six months into this relationship. I wasn't six months. That's what she said. No, we were... When was that? That was September of 19. If my memory serves you. So is that a year into the relationship? About a year then. Yeah, about a year and a half. Even still, dating someone for a year, paying for their bankruptcy is pretty intense. That's quick moving. Mm-hmm. And also, when she was building up all this debt and everything, she was living in her brother's basement. It's not like she could use the excuse of, oh no, she lost her man or whatever, meaning she lost her roof.

32:19No, she had a free place to live in a basement and she still fucked it all up and got bailed out. I feel like with her, we're just enabling. No, because look where she is today. Yeah. Are you okay with it? What are we simping for? We're simping for something. Well, here's the thing, right? And I've always told her to begin with, as long as we pay the mortgage and as long as the bills are paid, she can do whatever she wants. What? Which one would suspect there would be some self-restraint there. What? When you say you can do whatever we want as long as we take care of the bill? Where would that lead to any self-restraint?

32:59That actually sounds like the opposite. Well,

33:04yeah. Um, Mr. Jack, how much debt do you think she has? Well, I know what she owns before she owns on the car. But other than that, I don't know. Okay, so what would you just guess, gut?

33:26$10 ,000. Dude, you're carrying her to her fucking grave because she's never going to be able to contribute to this house when you guys retire. she has$33 ,767.23 of bad debt, including IRS debt. And also, what do you think's in her retirement? Because you guys need to be able to retire together. It can't just be you. What do you think's in her retirement? Oh, right now, probably nothing. Yeah, it's a few thousand bucks. She has more in IRS debt than retirement. Meaning, because of this, an absolute enablement and no consequences for her actions and no learning from her previous mistakes, because of that, she is going to be like little cracks in a sinking ship as you guys are headed towards retirement.

34:13How are you going to be able to keep this ship afloat? How are you going to be able to do that? How are you going to be able to take care of this household in retirement in a couple decades? Because it doesn't make any sense. She's literally making it so she can not only contribute nothing, but will have liabilities hanging over her head. That's a damn good question. I didn't realize she was in that much debt. Dude, I know you love her. I'm not saying there's no love here. There has to be something. Because I'm saying there has to be something. And I'm assuming that is love. But, dude, love cannot blind you from reality.

34:48And this Karen is literally, literally holding this marriage down. down, not letting it go to any semblance of financial success. Just paying our mortgage alone is not an indicator of good finances. It's not. It's the whole picture. And she's blowing all the money. She wants to spend$200 ,000 renovating this house. Yeah, I think that's garbage. Yeah, that is garbage. Tell me about it. Tell me how these conversations have gone, because I don't know how she's financing that. Exactly. She has these ideas about what she wants to do for the house, but then she says, Oh, but this is five, 10 years down the road.

35:30But five, 10 years down the road from the previous bankruptcy is$32 ,000 in bad debt, spending more than she makes a month by hundreds of dollars and having nothing in retirement. So where in the next five to 10 years is she going to have$200 ,000 for this house? Exactly. When she starts talking about it, I commend her for the ideas because it's good to have dreams. It's good to have imagination. It really is. And maybe we might be able to do it. Maybe we won't be able to do it. You know? Do you think you might just be too passive? Because I think this is why she's kind of uncontrollable right now.

36:08Maybe. Loving doesn't mean enabling bad behavior. I know you love. No one is questioning the love here. We really aren't. And I am not questioning for a single second that she loves you. That doesn't mean we just roll over and we be passive to bad behavior. year, especially if it might the relationship. Finances are one of the leading causes of her divorce in this country. We already know she's able to go through divorces. I want your guys' marriage to work. That means the finances need to work within this marriage and just rolling over and say, that's a good idea and that's a good dream. Well, that's allowing her to accept that maybe it actually is a possibility in five years, but there's no chance.

36:49$200 ,000 into a renovation when she has almost$0 in retirement at 42 is not a thing that's even remotely acceptable. She needs to get to a couple hundred thousand dollars today in retirement. No, I agree with you. So we can't just roll over. We can't. Do you stand up in this relationship financially? Do you stand up ever? Yes, I do. What does that look like when you stand up? It turns into a fight. Tell me. Give me an example of what that looks like. I want some insight. When was the last time that we fought? It's been a little while. Is it because you guys put it off because you know it turns into a fight, so we just allow things to happen?

37:33No. No, there was one fight last year about finances because she took a financial freedom class that was offered through our church. And about how paying off... Go ahead. No, no, no, sorry. Continue. And it was about paying off debt as quickly as possible. Sounds like Ramsey's program, right? Sounds like, yeah. Okay, so she's a David Ramsey fan. Okay, we love that. Yeah. Because that's usually offered through churches. She certainly hasn't followed that looking at these. Listen, that's actually a pretty good program. That's not an invalid expenditure if it actually improves life. Same with our educational programs.

38:14There's good things out there. But you got angry at that? Well, there was one day that she wanted me to drain the savings account to pay off debt. And I said, absolutely not. Probably down to$1 ,000? Exactly. And because that's not just our money as well, but it's also kind of a rainy day fund. If one of the cars breaks, if one of the dogs seems to go, that'd be emergency surgery. If there's something with the house that our house warranty doesn't cover. And this is why you guys having separate finances and not communicating on what the whole financial picture of the house is did not work. It failed because she wanted to go nuclear in a full direction without even having a conversation with you first.

39:00Dave Ramsey's program, our financial program, anyone's financial program does not work unless you guys are fully aligned, hand in hand, ready to go into battle. But you weren't aligned at all. You didn't hear the messaging, the preaching about the$1 ,000 and all this stuff. And I disagree with that as well. I don't think that's enough. I think you need a one-month emergency fund or highest deductible. But either way, she can't crusade into this without you. It doesn't work like that. You guys have to be on the same page, which means you guys actually need to talk in a healthy way about finances.

39:34You need to know what her finances look like. She needs to know what her finances look like. She needs to know what your finances look like. And you need to know what yours look like. and we need to know what the household looks like and we need to get on goals together. Are you afraid of combining because of her bankruptcy? No, I'm afraid of combining because of her spending. Yeah. Because if we had a combined bank account, we would be living paycheck to pay. Rebuttal? That is not the case. I think that I could, I can, you know, rate in my spending sometimes.

40:14She says she can rein in her spending sometimes. That doesn't necessarily make me feel comfortable for combining finances. Oh, she can sometimes rein in her spending. Okay. I would understand not wanting to combine as well. But here's the thing. If we're married and we're headed for the rest of life together, we need to find a way to... People can do the uncombined, but I think your guys' uncombined going in separate directions without talking is doing a disservice to you guys. Because you guys are flailing in different directions, and she's just, again, making all these cracks in the ship of the marriage, financially speaking.

40:55So even if you guys don't fully combine accounts, Jack, would you be open to at least combining the conversation of here's the entire financial picture of our household, and here's the goals we want to do together, and here's what we can agree upon and middle grounding to get to those goals. Oh, absolutely. Okay, good, because I think that's how your marriage remains financially healthy going forward. Okay, any final thoughts on this before we let you go? Nope, I just got to get back to my patients. Yeah, stick a needle in them. I shall.

41:32Thoughts on all that? Definitely sounds like you're the f***ed one, I'll be honest. Well, my thoughts are, it'll be fine. Like I said, and he's going to be great. What concrete thoughts? It's going to be fine. How? You've gone through bankruptcy before and never learned anything, and this is what it's resulted. It's going to be fine? I would like to hear an argument of how. An argument of how I can stop spending some of my money. Good. That sounds great. I can start saving. Why didn't you? And why didn't you? If you can, why didn't you? If you went through Ramseth's program last fall, well, these statements would look very different, I'll be honest.

42:09So if you could, why haven't you? Because I still like to buy things. Oh, very good. That's not changing when you leave this room. There's not a magical spell that happens when you leave the financial audit studio that says, oh, I don't like to buy the things I like to buy anymore. Well, I can change. Then why haven't you would be the question that I would follow up with and now have. I guess I haven't changed it because I don't want to. Then why the f*** are you here? We'll see if I want to. What? I'm going to waste my time? Why the f*** would I give a s*** to see if you want to? I want to help people when they want to be helped, but to see if you want to?

42:49F*** you. F*** you. F*** you. What do you mean f*** me? F*** me for what? I didn't do anything. Okay, I do want to change. I want to renovate my house. No, you need 200 ,000 hours in retirement at your age before you even contribute a single cent to renovation. What are you trying to do renovation? What am I trying to do? That was the question, Karen. Okay, I want to redo the floors. I want to put in a new kitchen. I want to update my bathroom. How outdated is your house? It was built in 68, and it still has a lot of the original stuff. So, yeah. In 1968? Yes. I would understand wanting to renovate.

43:33Doesn't mean you can or it makes sense to, especially if you're not even on the title. Well, I'll get my name on there. Okay, what do you think your financial score is? Zero to 10, zero being the absolute worst, 10 being the absolute best. My financial score is four. Okay. Okay. Yeah, sure. Mm-hmm. Listen, bankruptcy, sure. Thank you. If you want your Hammer Financial Score, see where you stand, take the quiz, take the assessment. It is free and it just takes a few minutes at CalebHammer.com. See where you stand in the world of money, where you're doing poorly, where you're doing good, and how you compare against other people.

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44:34You know what private equity likes? Private information. So this is a budgeting app built by people like you, for people like you. So check it out, dollarwise.app. Link in the description below. Start your free trial. See if you like it. Let's start with these finances. Mission Lane, what's going on? Mission Lane, that is maxed out. Yeah, it is. It's over maxed out. Why? What the? Trading at Schwab is now powered by Ameritrade, unlocking the power of Thinkorswim, the award-winning trading platforms loaded with features that let you dive deeper into the market. Visualize your trades in a new light on Thinkorswim Desktop with robust charting and analysis tools, all while you uncover new opportunities with up-to-the-minute market news and insights.

45:14Thinkorswim is available on desktop, web, and mobile to meet you where you are. It's built by the trading obsessed to help you trade brilliantly. Learn more at schwab.com slash trading. What the f*** is happening? Well, it's so much, I'm getting better. I went through David Ramsey's program. F*** you. F*** you. It's going to be fine, like I said. So when David sees this, what does he think? Wow, that's one of my financial gazelles right there. Um, I'm starting to pay that down. No, I have the statement. You know, yes, no. Summer is the perfect time to get your budget in shape. And now that DollarWise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time.

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46:42That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to$200 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. So it's at$4 ,571.05. That is over the limit. You don't know what the f*** you're talking about. How long does this take to pay off if you only make your minimum monthly payments, which you only made your minimum monthly payment, and you don't spend?

47:24I just saw you look at the numbers, so you probably know. Cheater. Did you see the number? I didn't see the number. How long does it take? Three years. Okay, dude. Is this because you've never had to think in your life? The guy just takes care of everything? You're sexist. You're making me be sexist, and that's not fair. 20 years. Oh, okay. Oh, yeah, that's when you're supposed to be retiring, by the way. Yes. And you'll only be stirring to pay off of this one card. And you know why? It's because you've never paid off your debt before. Bankruptcy did, a man did, and a man did again. And a man will do because, honestly, he sounds like a pushover.

48:02Sounds like a nice guy, but he sounds like a little pussy pushover. Okay? This 2016 barista mustache for you. Yes, and it looks great. Yeah, a decade ago, I'm sure it does. A decade ago. If that's what your style is decades ago, then please don't be renovating any of my houses soon. I have amazing style, like we've discussed. Uh-huh. Somehow Josh agreed with you. So, yeah, he'll probably pay off your debt, and you will have learned nothing again, and that's honestly likely the outcome of this conversation. Well, you didn't walk away from Dave Ramseth with anything. I mean, I listened to what they said.

48:44And then you're like, hey, babe, let's pay off all the debt and with our savings and by our savings, his savings. So you wanted to drain his savings down to pay your debt.

48:56It's stupid. It makes no sense. Which also I wouldn't even recommend doing. I don't know what Dave, I haven't listened to Dave in a hot second, but if David doesn't say you have to change your behavior from pulling from all your savings first, then he's wrong because we've seen time and time again, if you don't change your behavior before you take a fast track, you're going to get right back where you were again. Debt consolidation, credit card transfer, bankruptcy, you name it. That's exactly what you've done. So I'm glad your husband didn't do that. I'm glad he didn't do that. How much was in savings that you tried to pull?

49:30A few thousand. From his savings. No, how much? Come on. I don't know. I don't remember. What's the point? A few months ago, you don't remember. And then you did nothing except for keep this over the credit limit somehow. You must have been purchasing just recently. And then$169 minimum repayment. You're only making the minimum repayment since this takes 20 years. You'll be 62. And this card will be gone. What is wrong with you? What is wrong with you, dude? There's nothing wrong with me. I. Oh, bullshit. Come on. Let's not. I needed a few things. Let's not play pretend. Let's not say things we don't mean.

50:05What did you get? Sheriff, what did you spend in here? I think I got some new clothes, some new shoes. That's our need. That's our need. That's our f***ing need? Yes, I needed it. We had a party for work and I needed a new outfit. What would have happened if you didn't show up with a new outfit? Embarrassment. How? I needed to look really good. It was a big special event and we had a big open house. And so I needed a new dress. I needed some new boots. What would have happened if you wore a dress? that you wore a year ago, what would have been the consequences? I mean, no necessary consequences.

50:43Then you don't know what the word need means. Because when I hear need, I hear need, meaning there's going to be something that happens if you don't. Need. No, you wanted to. You wanted an excuse to. I mean, I'm being told looking at your previous spending, like you endlessly go get necklaces, earrings, bracelets, and every time, it's not even necessarily something nice, and we can tell. But you still go drop about$500 a piece. You go for quantity over quality. I go for quality. And so that's why it's more expensive. You wear trumpet earpieces. Those are beautiful. And they were only like$120.

51:17I know, but you stack up to$500 purchases across the board. Because you just buy shit, buy shit, buy shit, buy shit. Adding everything into the cart. Doesn't matter because it's cheap. You just get it all the time. And then we all know it's cheap. We can tell. I needed a new bra. Needed? No, no. Stop using this word need. You don't get to use the word need. You don't know what the word need means. I don't think, you know why? It just, I mean, it just hit me again. You've never experienced a need. You've had someone bail you out at every instance, including your brother letting you live in his basement.

51:48And I'm not saying he necessarily should. I don't know if after a divorce, but you've had someone bail you out every single second of your life. You've never experienced a need, a struggle, a problem. I have experienced problems and struggles. What, what, what? Well, having to live with my brother, that was a struggle. You entitled. You absolute entitled. Man, what is wrong with you? Yeah, what was the struggle? I had lost my job, and so I needed somewhere to stay. I read today about a 10-year-old girl with Down syndrome. Age. I read about, did you say want-womp? You got bailed out. What was the struggle of being bailed out?

52:24Struggle is you're not bailed out, and you got to figure shit out. I figured it out by moving in with him. So your struggle is that someone else bailed you out and got the whole basement to yourself? Well, not the whole basement, but... Oh, no. Tragic. What trauma? I know. I really wanted the whole sports court to myself. What? What? I don't know what that means. I feel like you just gave an inside reference to your own family on a podcast. I don't know. Does he have a gym in his basement? A whole gym? Yes, a sports court. Okay, you guys are rich. Like, okay, good. So a rich daddy bailed you out.

53:03Well done. Thank you. You've never experienced struggle. That's your opinion. Is that your big struggle that you dealt with one time, was moving in with your brother? Yes. That's where the tears are going to flow? Yeah, I didn't have any other options, so that was a struggle, and he let me stay there. How is that not a struggle? Because you immediately got bailed out, and you got a whole nice-ass basement. Losing a job sucks. I mean, that sucks. It doesn't feel good. Yes. But you never were on the brink of homelessness. You were never on the brink of actually an actual struggle. You've always had a man to bail you out.

53:35Stop making this a sexist episode. What is wrong with you? I'm not making it sexist. You are. Kind of. Just, I'm not really. It's just based on everything you say. And you want to be trad all the way anyway. Well, I just think that a man should take care of the woman. So, yeah, if that's trad. I mean, if that's how you guys want to live your life, sure. But like at that point, then it would be spending from his account. And you're instead just racking up debt in the background that he's going to have to take care of. He thought you had$10 ,000 in debt. So this isn't him just taking care of you.

54:09This is you abusing your position. I wouldn't say abuse. Of course not, because you would never want to take accountability for anything. No. Yeah, we know that. We listen to you. We know people like you. Fortunately, it's like everyone now. Okay, dude, you had, what is this? You had late fees. You had late fees. I had a late fee? You had about two or three late fees. I was at a 32.49 % interest rate,$1 ,200 last year. What the is wrong with you? What the is wrong with you? Are you sure there was more than one late fee? Yeah. Mission Lane's own HOA Karen came and charged you with a late fee. You got punished.

54:46I didn't realize that. Karen meet Karen. I am not a Karen. Brandon, can you come over here for a second? Can you come over to her side and stand next to her and just pull her mic to you as well? You're the second Mexican I'm bringing in, so hopefully you make up for the last one. Josh says she doesn't look like a Karen. Do you agree with Josh? Do you agree with me? You're a super Karen. Thank you. What the fuck was Josh talking about? Respectfully. Thank you for the respect. Yeah, I mean, you got sideburns with your hairstyle. Yeah, this is horrendous. Or it's over the limit fees, which means it was happening all year.

55:22Like, what the f*** is wrong with you? Okay, care credit, right? This is usually for dog shit. That is for dog shit. Was it for dog shit? Oh, it was for dog shit. Okay, well, it's over maxed out. That usually doesn't happen with dog shit. That usually means you're not f***ing paying. Well, I did have to pay for dog stuff. Oh, there's a fee! What's that fee? And I had to pay for some dentistry. Did you have to pay for late fee? That just happened, late fee. Oh, I forgot to pay that one. Why? Why'd you forget to pay that one? Well, I just don't always think about it. Why not auto pay? If the man's supposed to take care of you, as your trad woman says, then why have your own credit cards anyway?

55:57Use his credit cards, he pays for them. What the f*** is this? You're trying to be independent, yet be wrapped up in trad. Make it make sense. It doesn't, Karen. Okay. So I can be partially independent, but he can take care of me in food and housing and stuff, but then I can still make money to buy the things that I want. Well, I'm not saying you can't make money. Okay. But you're not paying on your own bills. You seem to want the best of both worlds, where he takes care of all the big overhead, because a man takes care of the house, and then you go and spend all your money on literally anything and everything you want instead of having to contribute anything to the household.

56:36You literally just want the best of both worlds. I contribute some stuff to the household. Well, a little glocky glocky here and there. Good. I'm glad he's happy. Yes. What else do you contribute to the household? An idea of a$200 ,000 renovation that he doesn't even want or think you need? I take care of the kids, which are the dogs. So I pay for everything for them. I thought there was about to be kids in this conversation. You really threw me for a loop real quick. And? Okay, the dogs, so easy. Well, they require grooming every six weeks, and that's expensive. Oh, my goodness. You are a broken individual.

57:14Every six weeks, you cover grooming? mean? That's your contribution? No, I pay for all of their food and all their vet stuff. Okay, vet stuff could be big, but listen, not even necessarily. He said he has the savings just in case something happens to the dogs. What other dogs do you have? Miniature schnauzers. Oh, you are a Karen extreme. How is that, Karen? Come on. That sounds like an alt. Is that not a Karen dog? No, miniature schnauzers are super popular. Miniature schnauzers? Let me look them up. Can you please show him the picture with the eyelashes? They're pretty fruitful. Oh, those are Karen dogs in the extreme.

57:51What do you mean? Absolutely they are. And also they're not, they're very tiny. Their food is not expensive. Even the expensive food is not expensive. You've never had big dogs. You can't tell me it's expensive. I don't want to hear it. Their grooming is also going to be cheaper too. Yeah. Yeah. Pretentious fucking dogs. Yeah. Those lashes are real. And I'm sure they're very cute and I would love them in person, but you're a Karen. You just keep being more Karen as we go on. Well, they have to have specific type of food. So yes, it's more expensive. Yeah, more expensive, but it's still low portion and it's lower hair to cut too.

58:22This is your big sacrifice to the house. Wow. What a hero. I know. Should make a statue. Which one is that? Oh, promotional bail. Oh, one just ended a week ago. Oh, you got the deferred interest. F*** me. So this is substantially higher now. Fees, interest, late fees. Oh, Oh, you had approximately five late fees last year. Five late fees? Maybe you should actually let a man deal with all his shit because maybe you can't handle independence. Look at this. This is a disaster. You're ruining all the f***ing decades. We've had a feminizing and woman power. You have just thrown back to the dumpster.

58:58Okay, explain. Tell me. You're throwing us back to feudalism for women. What did I get a late fee on? What? What? I got another late fee on that one? Yes, you've had five last year. You can't be trusted. You want independence? No. No. Yes. No. How does that show that I can't be independent? Because you didn't make half your payments last year on time. What do you mean how does that not show? What the f*** are you talking about? You're making me look like a f***. I'm not even close to Trent. I don't give a f***. You're advocating for independence yet having a man take care of you and then you do this?

59:37What kind of look is the show? Which card is that? Oh, my goodness. It's the Care Credit. Do Karen's not remember the last five minutes? No, we don't. Mm-hmm. Let's see what you acknowledge it. Care. Care Credit. Of which deferred interest just hit a week ago. Moron. You can't be trusted to manage that for a single second. It's at 40 % interest. 40 % interest. You're f***ed. your firm. It's a shit ton of money on a firm. The are you getting on a firm? Oh, Amazon. Pull up your Amazon. Oh, lady. Miss care. Miss care. And and what have you done? Two thousand three hundred and nine dollars and 21 cents on a firm.

1:00:26You're a moron. You're a moron. Consumer minimum payment is about five seventy seven. and then you replenish, replenish, replenish, replenish. Starting a screen recording. Thanks for not connecting to Wi-Fi. I did. It says you're on 5G. Let's see. Ah, doesn't matter. Okay, let's see. Quit smoking patches. I don't smoke. The nicotine patches are for energy and for focus. Patches? Why aren't you just zitting it up? Where is it? I don't have it with me. Where do you put it? On my chest. Is that normal for people who don't smoke? I've never heard of this. That's usually for people who smoke. Nicotine is a good supplement.

1:01:17Wait, are you prescribed Adderall? Yes. This is why she's like this, by the way. She took an Adderall and a caffeine pill in the green room, I'm being told. This is making a lot of sense why you sound like, oh my gosh, I'm a fucking actor. I need to have a little pep in my step during the day because I don't sleep well at night. Well, because you're morbidly obese. You need to be able to step around things. Yes. You need to be able to make it to the other side of the room somehow. Also, what the... Why do you not believe in do not disturb? Okay, you got a little plushie. You got Sal TT. What's Sal TT?

1:01:50Oh, that is electrolytes.

1:01:55Salt? Are you working out substantially? No. Then you don't need it. You know through a most normal healthy diet, people are getting the electrolytes they need unless they are walking and aggressive, or unless they are working out and aggressively sweating. Then you need electrolyte replacement. No, you should never drink water unless it has salt in it. That's what Dave Asprey says. I know who it is. Okay, well, Lindsay knows that one. He's a little proof coffee guy. He is. Oh, and that's the fat? The fat in your coffee for your brain? Okay. Brandon would be a big fan, Lindsay Zane. Lots of plushy things.

1:02:32You get these sheeps. Are you obsessed with sheeps? It's lamb chop for the dogs. Okay. Air filter's fine. Why are you clarmid and all this stuff, though? Lots of hair shit. Lots of hair shit. Gosh, it's a mix of things that are okay or overbought and then bullshit. It's stupid with the fact that you're affirming all this shit. Pull up your affirm. Pull up your affirm. Oh, shit. Oh, you're going to Seattle this Friday for a concert,$600. Who are you seeing? So that's what you're fucking clarining, being a dumbass? Who the f*** are you seeing? I went and saw Rocky Votolato in Seattle last weekend.

1:03:08I keep looking at everyone for these names. Who are you talking about ever? Rocky Votolato is my favorite musician, and he had his 20th anniversary for his album. He affirms gone up to 3 ,135.

1:03:53So that one is higher.

1:04:01Okay. I'm glad you got the validation. Delta, lots of Delta. Yeah, you're going everywhere. LM on paper? What is a lemon paper? LM on paper is I got a new planner and I needed some new planner inserts because... Planner inserts? Yes. Oh, you just overdue everything. So that I can plan my day. You are such a... I have some budget planning inserts. Shut the f*** up. I mean, I'll use them one day. Just use the DollarWise budgeting app. Moron, you get it for free for the rest of your life. Okay. I'm also putting you through the Master Your Money program. That comes with a premium version of DollarWise, but also it comes with all of our classes, our debt class, budgeting class, investing class, real estate class.

1:04:45You need to go through all of it, and I'd go through it with him as well. Yeah, going on a trip to Seattle to see someone no one's ever heard of for hundreds of dollars right before coming on Financial Auto is insane. That is a crazy move. Well, I have been planning it for like six months. To see Valadado? Rocky Votolato. Who? Name a song. Makers. Sing it. Death Keeps Calling Me. No, try to put some tune to it. Death keeps calling me. She's gonna set me free. No more sunshine, sidewalks, streets, or misery. Do we know this? Oh, and you spent money on that? Shit. Okay, well, you're new for minimum payments, likely 783.

1:05:30If you're paying it in four, we'll see. Okay, and I know I'm sure those are like weekly, split out weekly and whatnot, but Apple Card, what's going on here? Well, Apple Card is for typically when I run out of money. There's no way you talk like that. When you run out of money, you run out of money every second of your life. I need to get gas or something. You spend more than you make. Three years to pay off minimums. I drive a lot for work, to work. What? So I need gas money. I drive 45 minutes to work and it usually takes an hour to get home. What the f*** is wrong with you? Why do you live so far?

1:06:03Because - Salt Lake City isn't that big. You must live on the complete opposite end of the metro. I live up in Ogden, so. Oh, I don't. And it's because that's where my husband's job is. And so that's where we purchased the home. Trad. Trad home buy. Well, I don't see any purchases on here. You made your minimum, but I guess you probably do on a normal basis purchase. on here. Yes. It's fucking crazy, dude. It's just crazy. Hundreds of dollars in interest, 25.74 % interest rate. I just don't understand how you're living your life, why you're living your life. Listen, maybe I'll get you a fucking certification from course careers and accounting, too.

1:06:35Most people out there use that to improve their income situation, but I'll gift it to you so you can understand numbers. Math can be hard sometimes, so... Not this basic shit. I'm not a math. Don't get me wrong. Finances are basic math. Okay? Basic math. Quicks over. You're spending on it. Why are you spending on a card that is over-limit, that is accruing interest, that you cannot pay off to save your f***ing life? I don't know what I'm buying on that one. You don't even know what you're doing? Dude, you're over the limit on f***ing everything. $512.23. Minimum monthly payment, 28 bucks. Takes two years to pay off, except not really, because you're getting fees, you're getting interest, and you are spending on it.

1:07:17You are spending on it. Well, like I said, If in between paychecks I needed to get something or go get a coffee. If you don't take care of the overhead, you shouldn't have an issue. You shouldn't have a f***ing issue. It was a late fee. Another late fee? Another late fee. I swear I pay these things on time. Okay. Well, you just broke your oath. Because you literally do not. So, I don't know what to tell you. Entrance is accruing, fees accruing, and you got an Amazon purchase. And we saw your Amazons. They weren't 100 % necessity for living. I mean, I guess a dog toy is not a necessity, but it was really cute and I wanted it.

1:08:02Why does he deal with this? Oh, because he's a pushover. That's right. I forgot. Because my tits are big. And don't forget, I want you to be on the next episode of Financial Audit. So go to calebhammer.com slash apply or click that link in the description below. You'll have a great time and I'm going to roast the f*** out of you. Starbucks is bulls*** and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better.

1:08:40And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at gamersubs.gg or click that link in the description below. Type in code Caleb.

1:09:05Good on you, guy. My tits are big, too. You don't see people putting up with my shit. Are you sure? Lindsay, do you put up with my shit because I got big tits? Okay, I just wanted to make sure. Because she does put up with my shit. Big pockets, that's why.

1:09:23Schwab Tire Center? Le Schwab. I had to get new tires. Oh, Le Schwab. I apologize. Le Schwab. Le Schwab. Yes, I had to get new tires for my— You couldn't just favor— None of your money goes to overhead. There's no way you couldn't just get new tires. Yes, I don't have that car any longer. You still owe on tires on a car you don't own? What happened to this car? We traded it in for a better car. What kind of car do you have? Well, I mean a newer car, but not new. What kind of car do you have? 2014 Hyundai Santa Fe. Well, this should be paid off in a few months. I mean, you owe$368.54. How much were your new tires?

1:10:00I think they were$1 ,200. When did you get these? Like a year and a half ago. Maybe two years ago. I don't know. Okay, well, you've been paying on it forever. $111 is your monthly. So I'm not freaking out about that, but what I am freaking about is this. What is this? Is this a Klarna? That is, yes. What? That's Klarna. Pull it up. Take it, Master. Converse Etsy. What are you getting on Etsy? What the f*** are you getting on Etsy? Huh? Huh? What are you getting on Etsy, huh? Huh? I got a few things for like a dress. I think I got, I don't know. The Converse are those, right? Yes. Okay, this one.

1:10:43Imagine Klarna being a f***ing Karen. Your Karen, your fucking Klarna being a Karen. It's impressive. There's your Ticketmaster Converse. It's just, it's crazy. It's crazy. Listen, okay. Minimum on this is likely of the 293.68. So stupid. Why are you paying in foreign? It just makes it easier for me because - Does it? Because you don't make your payments on time. So does it actually make it easy? I do make those payments. Those ones are automatic. I don't trust you. I don't believe you. They are automatic. Yeah, but if you don't have enough in your account, It bounces. That's true. That's true.

1:11:19It just, okay. So I know I'm going to have the money, but I want it right now. What if you get laid off again? Remember when you got laid off? That sucked. Well. I don't think people do a lot of renovations when we're in a recession and the job market's a little meh. Quarterly GDP numbers were good last time, but still. I didn't get laid off. I was fired. Why? For sexual harassment. Who'd you harass? The maintenance guy who was sending me nudes, I smacked his butt. And then they fired me. I was like, he was sending me nudie pictures. Why'd you smack his butt? Well, they were all joking around and they had new outfits, so.

1:12:02What? A man was sending you nudes? Yes. Consensually? Yes. I mean, I wasn't really responding to him, but it was after my divorce. But you invited them? No, I didn't invite them. I was chatting with him, and then he sent that to me. What the f***, dude? Guys are out there just slinging images. What are we doing? Men, get your s*** together. But it didn't bother you. No, it didn't bother me. You liked it, the attention. Well, he was cute, I guess. So you liked it? Yes. And you didn't encourage anymore? No, I didn't encourage it. How long was he sending you pee-pees? Well, he only sent me one. And it wasn't fully, I guess it wasn't a full nude.

1:12:51He had a towel on. Oh, so it wasn't a nude? I guess not. It doesn't make it necessarily appropriate, but there are degrees. I know on the internet, everything's a nuclear 10 out of 10 at all times, but just like murders, there are degrees. So he had been flirting with me. He sent me a picture and a towel. Were you flirting back? Yes. Okay, okay, okay. You made it sound like out of the blue. This all of a sudden becomes, I'm not saying not inappropriate, but much more normal in the real world that flirting can get to something slightly salacious. Yeah, so. And then at work, you smacked them in the butt?

1:13:22What did this look like? Oh, nice new pants back. Did he report it? Apparently somebody else reported it because they felt uncomfortable. Christian should have been fired like 50 times now. The dude can't keep his hands off men's asses. Especially Brandon. Oh, my gosh. He loves you. Loves the fucking those cheeks. Yeah, let's get HR in here. Let's get HR in here. I want to see if you should have been fired or not. Because, I mean, I don't know. You guys were flirting. Obviously, different tolerances. Companies are afraid of lawsuits and whatnot. Was it a big thing? I mean, it turned out good because I didn't love that job anyway.

1:14:06Did you f*** him afterwards? No. You didn't even get anything good out of it? No, nothing. I didn't. That sucks. Oh, I guess it doesn't suck. Oh, he was cute at the time, but I was, like, I didn't really care. I had just gotten divorced. It was before I met my current husband. But that's when we rebound for a little insertions here and there. Yeah, for here and there, but. How much did that f*** you when you got fired? Oh, it f***ed me. That's when I had just got divorced. I lost my job, and that's why I had to move in with my brother. Why'd you maintain your lifestyle, though? I just kept thinking that I would, everything would work out, and I would just get another job.

1:14:43Well, we don't know where HR is, huh? Okay, never mind. Okay, well, let's keep going. Zabble, what the f*** is a Zabble? At 24.03 % interest rate. The f*** is this? That is a personal loan that I got to pay off my cards and... Oh my goodness, so you did it twice. Bankruptcy, no lesson. Consolidation, no lesson. And you're consolidating at 24.03 % interest. That's basically a credit card. That's basically a credit card. Well, I found my dream chairs. Who has dream chairs? What is wrong with you? Again, you look like one out of Taco Bell from the 80s. I found my dream chairs. What is a dream chair?

1:15:25A dream chair is... Oh, I shouldn't even... What? It is the suspension chair from Star Trek The Next Generation. And... Okay, show me. What the f*** are you talking about? Did your minimum... You're going to be paying this off forever. $272? Huh? You accrued almost$2 ,000 in interest. Ah! You had fees! I think you had a late fee every month last year. I don't think every month. I think every month. So these are the suspense chair. Let's make sure we put these on screen. Let's see what a$10 ,000, 24 % personal loan, never paying on time with$550 of late fees is all about. You don't even have them at the ready, your dream chair, because apparently that's something people have.

1:16:23Bruh, these look like... So they are on Ted Ford on Star Trek The Next Generation. And they're so cute. They're so cool. They're very comfortable. Yes, they are. So I got four of the one-arm chairs and two of the no-arm chairs. Where are they? The no-arm chairs are in my living room and the other chairs are waiting to be reupholstered.

1:16:50They're very cool. Oh, you don't care about anything that is needing to be cared about in your life at all. Come on. You don't give a shit about anything important. I do. Those aren't important. No, you are just, ooh, you, you are not a good person financially. But I'm a good person. I can't comment on that. But if you're caring things towards the beginning are true, I would actually advocate no. and you've had this for two years now and it's still this. This is chaos. This is insanity, dude. This is insanity. Late every month last year. No. You had to have been unless every late fee is just like insanely expensive.

1:17:34I've only had that one for one year and it - No. January 2024. It's 26 now. Was 2024? I thought it was 2025. I'm being told 24. It was 2025, I swear. Well, even still, it's horrendous. That doesn't all of a sudden make it better anyway. Okay. And so it's around the way down at that time, and it's still. So, like, I don't even want to hear it. This is absolutely ridiculous. Now I understand why you don't have money because you've been for things with all the money you do have. Who has this style? Who wants those chairs? It's not. Who does this? They're very cool. And when I reupholster them in a really fun fabric.

1:18:15So it's not even the Star Trek chairs anymore. You reupholster it into. Something else. Well, no, it'll still be the Star Trek chairs. It'll just have like an updated look to them. Oh, my. Fashion forward, if you will. Okay, student loans for what? For a while, I thought I might want to go into aesthetics. So I started. What is going into aesthetics? Skincare, facials, that kind of stuff. Aesthetician, like that. That's called aesthetics? Aesthetics, yeah. Aesthetics. Correct. And so I started school for that. Oh, you would have made almost absolutely nothing for a very long time, by the way. I decided, no, that's not for me.

1:18:59So I stopped that. But you spent thousands and thousands and thousands on that? Because you still have a balance of$4 ,367. When did you do that? Oh, six years ago. What is wrong with you? What's your minimum payment on this? $53. Why? You should have to pay more. You don't do poorly. You just spend all your money and everything. Why are we subsidizing you? Pay more, asshole. I will pay more when I can. You never can. You get Star Trek chairs. You're a moron. You're a f***ing Karen. Dude, you're... No, no, no. Shut the f*** up. What is this? This is a checking account. You have$23.64 on here. Okay.

1:19:39Venmo, 25 bucks. Oh, there's so much on here. Venmo again, 25. Who are you Venmoing? I'm Venmoing my dog walker. I thought you were the one who takes care of the dogs. You're the special princess who takes care of the dogs, the queen of the house. I do take care of them. Shut the f*** up. I take care of by paying the dog walker. Berga? What is Berga? Berga, it was my phone case. What? Why are you having two payments to it? Oh, because I also got a case for my MacBook and a case for my iPad. Your what? A case for my MacBook. Oh, MacBook. I heard MacBook. Door dash! F*** you! Palm Beach tan? Mm-hmm.

1:20:15I need to go tanning. Uh-huh. DoorDash again, raising canes. Alta. ATM withdrawal. Don't even know where the f*** that went. $63.50. Going in and eating some bullshit. BoCube. Bo-bo-bo's-cube. Bo's-cube. McDonald's. Venue not money. Perfume. Venue not money. Flannel. Going in and eating some bullshit. Going in and eating some bullshit. What are you getting for$6.18 from the gas station? because it's multiple times. Starbucks Frappuccinos every morning on the way to work. At Exxon? At 7-Eleven. Yes. Starbucks Frappuccinos? Yes, just the little glass bottle ones. Yes. Oh my. Like the bottle Frappuccinos.

1:20:59Make your coffee at home, moron. Well, I do make some at home before I leave, but then I need another one. What the f***? You are a broken individual. This makes no sense. Why not get actual real coffee from a place that's cheaper than that? Well, it's two of them for$6.18. Oh my f***. Buy them for bulk from the grocery store. They sell them at the grocery store for cheaper in bulk. No, it's actually like the same price. No, it is not. It's impossible. Lies. Lies. I don't believe it. I swear to you. Well, you already swore to me before and you broke that. Amazon. Boku. What is Boku? You go there all the time.

1:21:31Boku is the bakery by my work. So I'll go there to get a cookie or a coffee. Oh my goodness. A coffee. You are, what is wrong with you? How many coffees do you have a day? Probably. You took a caffeine pill in Adderall in the green room. Dude, your heart's going to explode. It might. but I drink about four or five coffees a day. What? That with morbid obesity and caffeine pills and Adderall? Yes. I know, I know, I know. Can you go get me my backpack, please, Brandon? I'm only supposed to have 400 milligrams of caffeine a day, but I usually go a little bit higher than that. To what? Okay, you can get four from Walmart.

1:22:06The Frappuccino is$7,$7.78. It's double the price the way you're doing it. But those are smaller. The four-pack is smaller. I don't know, and I doubt. Now the four pack is smaller cans or smaller glass bottles. You're the black haired version of that cunt from Harry Potter that locked down the entire palace. I've never seen it, so I don't know what you're talking about. How have you, you, what? You gotta watch it every Christmas. What is wrong with you? You have, you have, you just don't live life. I swear, you are, what is wrong with you? Thank you, thank you.

1:22:46I'm going to ask why I'm carrying this around, because I have a lot of weird things, because I'm a fucking weirdo, but it's okay. What's your heart rate? Put it on.

1:22:56Yeah, you have to turn it on. Sit. Let it think. Oh, my gosh. Beau Coop. Beau Coop. McDonald's. Raising Cane's. Audible. Go to the library. Beau Coop. Venmo. Venmo. Get in your little coiffy. PetSmart. Venmo. Beau Coop. Beau Coop. Barracota. Barracotta, Barracotta, Barracotta. Barba Coupe, Apple Bill, Barracoupe. Olympia Hill Service, Chick-fil-A. This is an insane amount of spending. Going to get in your coffee, Domino's, Subway, Hill Service, Megaplex Theaters, Apple Bill, Etsy. You're getting a lot of shit on Etsy. Coffee, Amazon, Dimitri Martin, Amazon, Amazon, Venmo, Subway, Spotify, Megaplex at the Gateway, Ice House, Overdraft!

1:23:41You're overdrafting for this coffee at bow coop? What is it? Well, I needed... What is it? It's at 99. What? I'm... No, that's your oxygen, you moron. It's 110. I don't think you should be sitting with 110. Not sitting. Walking, sure. Maybe. If you're a high heart rate individual. But if you're at this, should you be taking Adderall? If you're sitting? I don't know. Also, I have a note. It is labeled, f*** off, bitch. 12-pack of 13.7 ounces for$33, which is$2.75 per bottle. Where? Off the bench. I'll go to the grocer then. Yeah, I mean, if you're trading it up, aren't you supposed to anyway? No.

1:24:26No. Of course not. I don't do that. Again, you pick and choose what you like. Oh, my goodness. Last year, you had 17 overdrafts on here. You Karen freak failure. What are you doing? And I know you're not going to fix this, so I don't even understand. You went to David Ramseth and you did nothing. Have you called to David? No. Okay. I don't want your answer like that. 417 and this. I would definitely switch from SoFi and go to Chime. It is much better. Much better. Better high yield, better services, and a better sign-up bonus. $350. Okay. $350 when you sign up for a direct deposit. It's incredible.

1:25:00But you're still going in and getting the... Coffees, Wendy's, Wendy's, coffee, Wendy's, coffee. Bullshit Amazon, Amazon, Amazon, Amazon Beau Coop Perfume, Olympus Hills Service Stopping at a store, getting something 150 bucks, I don't know The Garo, Amazon McDonald's Alexa Skills Oh, there's more Coffee, McDonald's, coffee DoorDash, Chick-fil-A, coffee Amazon, Amazon, Venmo Oh, coffee DoorDash, Amazon, coffee, Amazon, McDonald's, Amazon, coffee, Amazon, Arctic Circle, coffee, coffee, Amazon, doordash, Amazon, bow count, Olympic health service, Amazon, Amazon, doordash, reading games, put your doordash on healthy stuff anyway, and pack a lunch, you dumb cunt.

1:25:59I try to, but sometimes. You try to? How do you try to pack a lunch? Whoops. I failed to that one. I try to be prepared. What? Sometimes I do forget it even though I cracked it. Oh, how are you like this? You have no accountability in your life whatsoever. You have never been able to hold yourself accountable. No one has ever been able to hold yourself accountable. You are an entitled fucking brat. Hardware, Amazon, tailored, queen bee gift bullshit. Savings,$296. Put it in chime instead. It is a better high yield savings rate than that. SoFi, I was a fan for a second, but honestly, kind of shitty compared to Chime.

1:26:36Okay, I'll switch. Plus, better sign-up bonuses,$350. I mean, it's crazy. Only if you use my link. Chime.com forward slash Caleb. And then, yeah, so I mean,$7 ,780 in retirement, which is dramatically behind for your age. All right, let me budget this. I don't even think you can stick to it, though, because you're an entitled fuck freak. I can stick to it if I set my mind to it. Yeah, sure. Let's get all those five brain cells working. Let me get... Sorry, I'm just being mean, but I hate Karens. I really do. Minimum monthly payment, and this concludes your paying fours, which makes it difficult.

1:27:14I will be honest. It makes it difficult. But the thing is, I'm going to keep them in because... Shit. This is weird because if you pay it off and don't put anything else on there, yeah, your minimum payments are immediately going to go down. But the thing is, you probably built all the way back up again. I mean, when I opened your firm, it was even higher than the statements you gave us. So debt minimum payment is probably$1 ,602.17 a month. You can quickly get it out of the paying force. Income$4 ,000. What do you contribute to the mortgage? I contribute, let's see, $1 ,100 for the mortgage, my car, and I don't know what it is separately.

1:27:58I just pay him a check. Okay, that's fine. Yeah, I didn't see a card yet. So he did it for you because again, you can't do anything yourself. Strong independent woman. Yes. Does that include internet, electricity, gas and all that shit as well for the house? Wow, phone bill? That's all included as well. Wow, look, you are being subsidized by this man. I can't believe he's just allowing this to happen. Listen, you can use helium if you ever need your own phone service. I'm sure it's good in Salt Lake City because it's just T-Mobile service. As long as it's good there. It's a very price-effective program.

1:28:24Highly recommend it. 15 bucks a month for service. Gas, firm, firm, drive, drive. You say I spend a lot. I spend$50 a week, so. That's a lot? Oh, my. Yes, it's expensive, but you were going to make it sound like it's 1 ,000 hours in gas. Car insurance? That's included. Oh, my goodness. What is wrong with you? How do groceries work for the house? He takes care of them. Oh, my goodness. Listen, TP fund, anything else you need to survive? 150 bucks. Sure, whatever. Medical healthcare, their co-pays? Yes. Hopefully a dramatic amount of therapy, except they're probably enabling you, but go ahead. How much?

1:28:59What's your co-pays? A 25 therapy session. How many therapies? So once a month. Yeah. Double it up, triple it up, quadruple it up, or see a different therapist. I don't know. Jim? None. And I know you don't feel encouraged to go because you think you're perfect. I don't feel encouraged to go at all. Well, good. He'll be very happy when you drop that at 65. Subscriptions, 40 bucks. Pets? Yeah, get some pet insurance. Does he pay for that or you? Yes, he does. And we have pet insurance. How much for pet food? I spend$50 a month. Wow, that's your super crazy contribution. How much for the every month and a half grooming?

1:29:35It is$160 for both of them every six weeks.

1:29:44Okay.

1:29:47Oh, put it at$100 a month. That's a great contribution. How much for the dog walker? About$50 a week.

1:29:58Okay, anything else that needs to be in this budget? Not that I can think of. How much hairspray? That was the... That's about$35 a hairspray can. And you go through one a day? I go through about one a month, okay? Is that true? Okay, well, that's in your TP fund, which actually I would need to update Your TP phone's called$200. Which I'll add$50. Okay, now listen. I mean, sure, you have money left over, but you're just not going to do anything. You're going to get your coffee. You're going to be a dumb. This is like, whatever. Okay.

1:30:37$482.83 left over. Sure, why not?

1:30:44$33 ,767.23 minus the$4 ,367 of student loans with this$482 a month. Pay off your debt. I mean, it's just fine because he's subsidizing everything. Five years isn't that bad because he'll pay for you guys to go out to eat and stuff. That's if you actually follow this. Just don't spend money on bullshit. Pay off your debt. You'll be debt-free. Get a fully funded emergency fund, I guess, for your side. Then you need to start contributing in retirement. Fuck this renovation. Maybe do some things as you need them along the way together. You guys just need to be together. This is just, this is so fucking stupid.

1:31:17I don't know. I don't know. We might call him in the post show to figure out what his thoughts after all this, but you can pay that off. He'll treat you. He'll give you the luxuries. All your money needs to go to taking care of your f***ing views now. I just don't think it's going to happen. I hope it does. Let's get your hammer financial score. Spending in a budget. Million overspend. 0 out of 10. Debt. No collections. but wait isn't there IRS debt? Oh f*** is there. We'll talk about that in the post show. Where was that? I didn't even see it. Oh it's a 0 out of 10. It's a 0 out of 10. We'll talk about that in the post show.

1:31:48Kill me now. Emergency fund nothing in savings. 0 out of 10. It's like 200 bucks. Retirement 1 out of 10. Dramatically buying real estate. You're not entitled 0 out of 10. F*** all. Hammer financial score rounded out 0.5 out of 10. Get yours at CalebHammer.com. Now click that join button for three premium shows posted every single day. Six days a week for an extra 20 minutes of this episode. The financial auto post show. We got to talk about the IRS then. Probably call back the husband. What the... What the f*** is going on with this IRS? Well, I was previously an a**hole and I wasn't saving enough money to pay my taxes.

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