Financial Audit’s Dumbest Guest Ever

28:39Yeah. And you just let him wherever? He tried to pull out. But he failed? Yeah. And you didn't go get the thing? What thing? The plan B? Plan B. No, I did not. Why? Because I didn't think that I would be pregnant. Not thinking things happen, the consequences of our own actions, seems to be a pattern in your life. And I'm not saying you should have taken plan B. I'm not saying having a kid was the wrong choice. You can do whatever the fuck you want. For sure, it definitely has to be on. You can do whatever the fuck you want. I'm not saying that. I'm just saying no preparation and a constant pattern of thinking that nothing will happen and the consequences of the actions that we do seems to be the definition of you.

29:25And now, it's a responsibility to take care of this kid who did not choose to come into this world. And guess what? Mommy is not paying her bills. Kid would like to do things, would like to move up in life, would like to maybe go to college. Good luck mama applying for any parent plus loans or anything or for his first car or whatever there might be. anything that you might want to do for a kiddo, good luck. Because you're saying no. Fuck my life now. I'm not saying fuck my life now. Your actions are. Not your words. Your actions are. Also, your words kind of are because you don't think anything bad will happen.

30:03But guess what? It happened last time. I make sure that the important things are paid. How do you determine the importance of bills? Rent. So roof. Okay. Yeah, food, groceries. Yeah. Utilities, probably. Car payment, utilities. Okay. Where do you think you are? On a scale of zero to ten, zero being the worst finances you can think of, ten being the best finances you can think of, where do you think you are? Self-assessed. Deep in that heart. I would probably say a zero. Yeah. Sounds about right. You're okay with that? No, I'm not okay with that. Then why have you done nothing to fix it? because I feel like I keep making my payments, but they're not, the balances are not going down.

30:56If I didn't have credit card debt, I feel like, which my credit card debt isn't even that bad. It's not even that high. Are you stupid? What do you mean? Any kind of credit card debt that is accruing interest that you cannot pay off that is being pushed to the credit limit is bad. What the are you talking about? $2 ,500? No, so what's going on though? $4 ,240. You think that's not bad? That's horrendous. That's horrendous. I'm not spending on it. So that's what would make it bad is if you're spending on it? It would make it worse. That would make it worse. Doesn't mean it's good. I don't think it's good.

31:30I don't think it's good, but I think. You just said it's not that bad. It's not that bad. It's pretty bad. Yes, it is. How can you think it's not that bad? If you don't think it's not that bad, then why would you ever do anything to fix it if you don't think it's not that bad? I am doing things to fix it. No, you're not. You're behind. Lady, what are you talking about? You are so delusioned in your life. The f*** are you talking about? You won't even hold insurance and make the payments for that in time.

32:03I... Oh, my gosh. Guys, if you want your Hammer Financial Score and want to find out where you stand, it's free. Link in the description below. Fun little algorithm. We take your information. We give you your score. And if you want to come on the show, get a little wake-up call, but also have a good time. So it's like a half-a-day activity. It's a good time. Come down here to Austin, Texas. You can go to calebhammer.com slash apply, and I'd be happy to have you here. But you. Me. You don't seem to know what the fuck you're talking about. You think so? You don't? No, you don't. I do think I know what I'm talking about.

32:38Oh, I. You're confused on your lack of payment on this card So The payment was late but I still pay it Yeah but you're behind five You haven't caught up Look at it lady There are numbers Whether or not you're able to read them is unknown to me so far but They're there

33:08you think the math is adding up yeah about three to four late late late payments on here this year so far $1 ,200 rounded interest this year on one card one card you're okay with that no I don't want to pay that yet you allow it and don't change any behavior ever to solve it.

33:44Okay, we have an Amazon card. This is dangerous for you to have. Isn't it? Yeah, but... Let me see your Amazon order history. Right now? Okay. We'll see it. The credit limit isn't very high. Nor should it be for you. Oh, good. we're over the credit limit so on amazon yeah isn't it five hundred dollars you're five hundred twelve dollars again numbers are convenient to look at sometimes i do look at that i look at it like well incorrectly or upside down i don't know

34:20yeah that's been maxed out for a while then why are you purchasing forty dollars on here mom it's it's been maxed out for a while so let me go ahead and purchase $40 on there wise sometimes I guess I can make some impulsive how about I look at that Amazon account what is going on I've seen you push the screen like 50 times did you connect to the wifi out there no I didn't $40 to purchases $13 dollars and seven cents of interest accruing. How long does this take to pay off? Just doing the minimum payments. Just the minimum payments. Probably like two years. Yeah, 16 months. Pretty close. Go ahead, scan that QR code.

35:09The last card. The last card alone. Just the minimum payments. How long do you think that takes? Which is, by the way, better than you're currently doing. Are you talking about the$4 ,000 one? Yes, the Capital One Quick Silver One. Probably like 10 years. 20. And that's if you actually do it and you're not. Can I scan that again? I'm sorry. So we struggle to use the phone as well. Okay. So$40 minimum fee payment on this Amazon card.

35:42With a over limit. Yep. So. Yep. I'm connected. Sorry. $512.23 is owed. Okay. Um, do you want to see this? Yes. Okay. Start a screen recording. Screen recording? Okay. What? Nothing. Men's oil tan leather? That was a Christmas gift for my dad. Some Christmas pajamas for you and the kid. Mm-hmm. Some deep vitamin C golden. Moisturizer. Your skin's okay. Real deep bio collagen thing. Oh, it's all skin, skin, skin, skin, skin. Makeup, makeup. You are wearing a lot of makeup, so I didn't see that. You returned something. We got a cable. We got some booty pants. Booty pants. Yeah, and silky tights.

36:38Shoulder bag. Shoes and, yeah, children's things and tea oil. That's not that crazy. Let me see your nails. They're just short. yeah you're no longer wearing the press on pink nails yeah i got those to try to like stop going to the nail salon undetect table thong techable undetectable undetectable while we're here let's see what subscriptions you have oh my god what are you looking at your subscriptions oh on what your phone oh uh read open your damn emails and get rid of that Get rid of those readings. I know. I hate looking at that. I just need to get on my computer and, like, mark them all as red.

37:25You have so many subscribers. No, I don't. What am I subscribed to? You don't know anything. What am I subscribed to? You don't know anything. First of all, you're subscribed to fucking Tinder. That's not for me. That's not for me. I don't even have a Tinder account. Whose Tinder are you paying for? You're not chasing dick? No. Not currently. Yeah, I don't have a Tinder account. Okay, why do I see... And it's not... Oh, you're right. Sorry, these are inactive. You're right. You actually don't have any paid... Oh, so you just canceled Tinder. Yeah, but it's... Why the fuck do you have Tinder? It's not for me.

38:00Oh, sorry, paid Tinder. Why are you paying for someone else's Tinder? It was like... It's a profile that I created, but it wasn't like me. You are paying for... You paid for Tinder. I did because there was something that happened. I had like an ex-boyfriend. and we actually just broke up recently because of something that happened, and that's why I got the Tinder account and paid for the premium. What happened? So he went out of town like two months ago for, like, work, and he was going to be gone for, like, a month, and we've had, like, some issues, like, of things he's done in the past. What?

38:43Like Instagram liking. Can't like on Instagram?

38:51no okay why would he be liking other women i don't know maybe it's art who knows but go ahead go ahead well he knows that i didn't like that and he kept doing okay well you vocalized it okay yeah yeah okay i kind of had some suspicions and this is like the first time he's ever had to go away for like a long period of time so we actually met on tinder but that's the last time i've ever used it which is like three years ago um so i felt like maybe until november 17th but okay yeah i felt like maybe he might still be using it but i wasn't sure um what gave you the suspicion just liking posts on instagram that and like certain people that he followed okay and then like some messages that i saw what between him and people what this is huge for financial audit For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online.

39:47We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10 ,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15 % discount.

40:28I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. and finally you can too at a more affordable price head to calebhammer.com or click the link in the description below you will not regret this um just like not like it was just like him like sending little hearts you know how you can react like he would send hearts or like a heart eyes or he would just say like you look so beautiful um yeah he shouldn't be doing that that's for sure yeah okay so what so i had his i had his location and he went to detroit and i created the tinder account and like used you wanted to make sure he wasn't shot make sure what it wasn't shot shot oh yeah detroit no i wanted to see if he was gonna like download the app so the first day he got there i made the tinder and if you pay for it if you pay for it you can like pay to like change your location so like i put his exact location and then i like changed the radius to like one mile and then like i did two swipes and then his account popped up and it said in town for a month hit me up oh so he was he was trying but then i asked him about it and he was like oh i already deleted that Yeah, I'm sure.

41:51I'm sure that's what every Ashley Madison guy said. Yeah. Okay. And so I did pay for that, but then I, like, got it refunded. Did you break up? Yeah. Yeah. Good. We broke up. Good. CyberGhost, safe and private something, November 9th. Oh, okay. Free text call number, November 11th. ExpressVPN, November 9th. Apple Music just canceled. Yeah. Which ones are they? Second phone number, October 17th. What are you doing? Why are there so many different phone number things? What are you sneaking around? Surfshark VPN. Why do you have so many VPNs and phone numbers that you're, what are you doing? Those are also something probably to do with him.

42:33I was a little. You don't know? No, I do know. What? So basically, like, I created some fake numbers. Oh, lady. And then, like, I pretended like I had seen him out in, like, public and then wanted to see if he would, like, text them back. And? he didn't but he also had a lot of like okay your suspicions actually ended up becoming correct yeah what if they weren't like you're just kind of like the fuck bad ex in that case you actually were correct in the end so well i wouldn't do things like that if i didn't think that yeah but from instagram likes well well no saying you're so pretty and stuff that that's fair actually yeah but even still this is a big he was just like a bad person so i kind of are you guys together um we were like on and off for three years you invested a few hundred bucks to catch this thing okay all right yeah and he also lived with me for for a while and didn't pay any rent oh when did when was he out um probably like two months ago my gosh why was he paying rent that's not a red flag enough yeah and then that's like when my finances started to get kind of worse Okay, worse, because trust me, they were already bad.

43:45But why wasn't he paying rent? I guess because he didn't have enough money. What was he doing? He had, like, this job with one of his family members. I think he was only making, like,$400 a week. I kind of want to call him in the post show. Should we call him in the post show? Oh, my God. Okay, we're going to call him in the post show. Are you serious? Yeah. Oh, my God. That'll be fun. We'll have some Springer in the post show and our YouTube membership. It helps support the channel, guys. and there's thousands of hours of extra content and other shows as well uh okay so amazon yeah the interest of growing uh it was yeah it was three amazon purchases probably all the skincare makeup and all the you're doing

44:29fees this year like 70 bucks and interest what

44:38those fees are probably late fees that's probably too late fees on which one on the amazon over the course of this year over the course of the year yes too late fees probably yeah i i don't like paying those i'm gonna be honest like yeah like it's a like that's what we get that we get to choose what we like no we don't but hey guys guess what i don't like paying my property taxes i'm just not going to. And there's going to be no consequences because I don't like it. What the f*** are you talking about? You have a seven-year-old kid. I like paying for everything for him. Yeah, you have to be responsible.

45:18Do you not understand? Just like the... I feel like I'm pretty responsible. In what world? I feel like you never matured past 14. No, legitimately, based on your language. Do you think... yeah the words you're saying the phrases your mentality well that's your opinion my opinion dude it's in the numbers this isn't an opinion this is like objective reality right here the whole i don't like making payments on this that's what a child says i still make them though you missed two this year shut the up two out of the year That's not that many. Are you actually like. I feel like that's not that bad.

46:07Missed 15 % of the payments this year. Okay. Substantial percentage. I don't want to be rude. Yeah. A mature person, an adult, pays 100%, by the way. I legitimately would like to know just for my own information, not to be rude, but out of legitimacy. Did you graduate high school? I did. Okay. Did you? Yes. Okay. But am I giving off any indication that I didn't? I, I, I, I, I, I, I. That you, um, you had, you, you, I, I, I, I. No. Am I? Yes. Oh. Okay.

46:54Okay. Capital One. $128.36. cents. Very low balance for what we've looked at so far with the$25 minimum of detainment. Okay, so you made the minimum and then interest accrued. Okay, so that's all that happened on this card. But she did say at the beginning, haven't really had mispayments this year so far until recently. We learned that that wasn't the case on the Amazon one already, but let's see if that's the case on this card. Should we? Shall we? Oh, there it is! There's a little fee that's happened this year so far! Sounds like you're a liar or just don't know any f***ing thing? You said there was a late one on that?

47:33Yes. This year. This year? Yes. This year. How many? You know what year it is? Yeah, 2024. Okay. Tomorrow will be 2025. Oh, wow. Fresh start. New me.

47:48What was your question? How many was it? One. One. Okay. That counts. It does count. Yeah. Yeah, it does. That's, um... Is anyone keeping the math? Five, six, seven, eight. Ah, ah, ah. All together. Eight missed payments this year so far. Yeah, um, it was a rough year. It was a rough year. Yeah, sounds like it was like the cheating dude, but again, that was a couple months ago. The f*** out. Um, I'm spending money to make myself happy and my son happy. And how's that working? It's ending in misery, ending with eviction, ending with bankruptcy, ending with your kid not having a good future. Yeah, that's more misery.

48:31So maybe we do a little temporary sacrifice like an adult, a mother, a responsible parent.

48:3927.99 % interest rate. Basically$100 in interest accrued so far this year. The balance has never been high on that card. You're just late on a payment for no f***ing reason. Why do you not set up auto pays? Yeah, that's a thing. I don't know. I just feel like that's a thing. Okay. Yes. I should probably set up autopay. But why haven't you then? Because I feel like what if I just like I want to pay it like whenever I want to pay it. I think that's not how this works. That's not how contracts work. You signed a contract. Do you get that? With the credit cards? Yes. Well, I want to get rid of those.

49:21So I don't have to worry about that. Yeah, you can close the accounts. You're still going to have to make your payments. You owe the money that you borrowed. Right. I'm just saying like I'm trying to like get to where I can actually pay them all off and then never like. How are you going to do that when you spend double what you make? Well, that's why I stopped spending on them. You spend double what you make and that's not true. We already looked at the Amazon card where you're spending and you push it above your limit. Shut the. You're like everything you're saying is legitimately incorrect.

49:48Okay, so the Amazon and the Apple ones. Yes, I still. So also known as some of the cards. Yeah. But the big ones, like the$4 ,000 one. So I guess the other ones don't matter that are above the credit limits and not making payments on time and has interest accruing because other ones have bigger numbers. Yeah. You can use the Fizz card. I will allow that because it only allows you to spend what's in your checking account. It's like a debit card and it builds your credit. I would close these other accounts because you're not a credit card person. You cannot be trusted with it. I would not trust you with a single cent of debt that's fine who gives a f*** it doesn't matter it's okay that you can't be trusted with debt just don't allow yourself to have it don't allow yourself to have a tool that can f***ing smash in your own fingers if you don't know how that if you don't have the proper training okay okay

50:41what is it you tell me where'd you get Fashion Nova and Amazon on oh it's definitely a pay later um is it like Klarna or like Afterpay? You tell me. Probably Klarna or Afterpay or Affirm. I use all of those. Oh, I'm sure you do. You've never met a debt you don't love. But those are fine. Those are fine? Yeah. $49.75 overdue. They're fine, guys. Everything's great. Lady, you know nothing. You know nothing. Any account we talk about, you talk about and you have no idea what you're talking about. Not a single inkling of brain cell connection for any document. No, okay, I do remember that. I do remember that.

51:32Oh! Yeah. She remembers! Yeah.

51:40I guess I was out of money and... Oh, oh, guys, it happened again. It happened again. Yeah, nothing, nothing ever went wrong. Nothing will ever go wrong because this isn't the second time in this entire conversation that you said you ran out of money, right? Right? Right? Right? So you'll never ever miss a rent payment, right? Right? Right? You'll never miss any critical payment. You'll never miss a utility payment. You'll never not have enough money for groceries, right? Right? Right? Because we've never talked about in this conversation not having enough money. It's never possible. Having a dude bust will never result in a pregnancy.

52:14I don't know where my money is going. I feel like I... Why have you never made a budget? Why have you never tried? Because, okay, I get that you didn't know where your money was going, but that's fine. When you recognize that, then you're like, hmm, maybe I should do something. What's that something called? How to figure out my money. Make a budget is usually what comes up. Why would you not make a budget? Why would you not attempt? Why has there been no attempt? I have thought about making a budget. Oh, you've thought about it. No, I think about this a lot. Like every month I'm like, okay, now I should make a budget.

52:45That is a lot of thinking for you. Once a month? And then, um, like you keep saying about, I'm going to like get evicted or like miss my rent payment. It happens to millions of people. Well, I'm not, that's not going to happen because I have like earning. Is that the pay f***ing advance thing? Uh-huh. That's actually a really big problem right now. Every, every, every time you get. I'm stuck in like a loop. Yeah, that's what I was just going to f***ing say. You're stuck in a loop. So what happens if you can't pay that? Actually, that's probably where my money's going. Then you're double f***ed.

53:22Then you're double f***ed. Yeah. So... Choo-choo! Well, so I'm trying to make it to where I don't have to use that ever again. But it's like so much... Try, try. This is what you've already said. Try, try. What's your try? I've thought about making a budget. You know what? I accomplished something this time. I thought. No. I just get kind of overwhelmed, I guess. You're going to get more overwhelmed, but worse this gets. Yeah. It's a confront it now or make it even worse later. It's always going to be worse. That's what I would like to happen. But... And I would like to have... Okay, so I'm going to do something to change it.

54:09What? I'm going to make a budget. Oh. And stick to it. Oh. Because I can do that. You can? Mm-hmm. Any inkling of proof that that is something I can reliably take as the truth? Do you not believe me? No. You don't? You're missing payments. You're not a reliable narrator on any document that we've talked about so far. You have no idea what your finances are, and you're uncontrollable spending in every way possible, and you have no discipline, and you can hardly form a coherent thought. I don't know. I do not trust you or believe you. I want you to do better. But that doesn't mean I'm just going to say I trust you to make you feel good.

54:55Right. Nothing has been shown to me that would give me trust. I have hope. It's lacking. But I want you to, especially for the sake of your kid. Yeah, I mean, I feel like I make decent money. You do. That's not the problem. Yeah. So you don't think I need to make more money? More money is always great, I guess, but not if you spend even more than you make extra, which is what you would do. Well, yeah. I'm very happy with my job. Okay.

55:28They treat me very well.

55:33I didn't suggest leaving that job. I don't know. No, I'm not saying you did, but. Okay. Well, we're over on Klarna again. So$82.

55:49Well, actually, Fashion Nova bullshit. Stupid. Fashion Nova? What the fuck are you doing with Fashion Nova? What is a Fashion Nova? It's okay because I actually returned all that stuff. And you got refunded? Mm-hmm. Yeah. Well, actually, no, I didn't. No. You seriously just made me fucking cross it out of my document and now I have to write it again. No okay I did return everything But for some reason Am I writing it in here or not Um no Why No sorry yes What are you doing How Yeah you can write it It's fine Now let me ask this High school question again I'm glad you graduated high school But it didn't take you until you were 26 No Okay

56:46When your kid attends school Are you required to attend with him? What do you mean? What do you mean? No He's in school He's in second grade He's doing really well Just like I did I did I made really good grades in school So you returned it But you just didn't get a refund Right, yeah I didn't get a refund Because for some reason They don't do refunds they only do like credit in store credit did you get that? yeah but it doesn't really your monthly payment is$132 and something else

57:27apple card this is one of your self confessed I still spend money this one's like this one's really bad I do some bits maxed out and sometimes like I'll this is like the only credit card where you can like if it even if it's maxed out you can like make a payment you cannot be trusted with that you cannot be trusted with that you mean make a purchase yeah you cannot be trusted with that you cannot know how to manage that you cannot be trusted with that not for a single second in real life look at you I because they allow you to spend you just oh my gosh me dude I just I

58:08oh i just my my ladies and gentlemen a little introduction into my brain right now a little insight i am blown away what a creation this show has been over two and a half years i am blown away i am thankful that you're on here and i want you to get better and i want you to join our average$10 ,500 paid off in 10 months from past guests or 11 months. I want that. I want that to happen to you. But I am blown away. I had no idea walking around that just random people, your random neighbors, your random family, people in the street, all of these people, there is so many of them that are like this.

58:56Not as an insult. I'm just like blown away. That my finances were fucked and I got them corrected, but I never had the mindset you have. Because you understand it. I didn't even realize what was happening. Once I did, I fixed it. I just don't get it. I don't get it. And it just blows my mind. This show has been just the ultimate, I'm not ending it. I sound like I'm ending it. I'm not. But this has been like the most crazy wake-up call. Crazy wake-up call. And you applied from the audience, yeah? Yes. So you watch the show? Yeah. This blows my mind. That's where 98%, I think, actually 100 % these days come from the audience.

59:40This blows my mind. Okay. Neremonauty payment, 27 bucks.

59:46Oh, so many transactions. On which one? Amazon? Oh, no, Apple. Sorry, Apple.

59:58Tinder. there it is i got that refunded though tinder more apple bill paypal voodoo um yeah that was probably a movie for like my son to watch a firm tinder three tinder purchases yeah i i was kind of crazy yes i would say so you did actually were right in the end about your assumptions, but you did also kind of act crazy. My fake accounts kept getting banned, so I had to make... Well, no, shit, fair enough. I had to make two more to actually find them on there. So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock, and I'm an investor.

1:00:43So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow.

1:01:20I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, it's about landing a job.

1:01:55Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for$50 off the full course. Your future starts right now, and Course Careers is here to help you shape it. Were you using other people's pictures?

1:02:25They were kind of like stock images. Other people's pictures. Yeah. Netflix. The Lash Lounge. The Lash Lounge. Yeah. They look like eyelashes. I don't know. Do they look good? Um. No? Okay. I don't know what count as good lashes. They look kind of clumped up in, like, areas. Oh, really? Well, they look like there's, like, it looks like there's, like, five. Like, big clumps. Like, horns. But maybe that's what good lashes. No. Lindsay, can you tell me? I don't look at eyelashes. Her lashes look beautiful. Okay. I complimented her before we started. Okay, your lashes look good. I don't know what good lashes look like.

1:03:07That's not something I look at for people. Yeah. Okay. Well, it's on your eyes, so it's, like, the main thing that you're, like, looking at. please what I'll look at everyone's feet first oh I couldn't tell where I wanted to take that you have$400 spent in that month that's crazy dude on just Apple just Apple$229 of interest this year so far I don't see any fees but I don't see a section for fees either I have a problem with that card you have a problem with every card There is not one that doesn't have a problem. If you don't know that at this point, I'm deeply concerned. So you're saying, like, if I were to just, if there was no missed payments, then there wouldn't be a problem.

1:03:53Not that there wouldn't be a problem, but your problems are exacerbated. Yeah. Do you know what that word means? Yeah, like they're more extreme. Okay, yes. Yeah. I wanted to make sure you didn't think I said, like, master. No. Is that what you're thinking about? No. I just want to make sure you're able to understand the words okay yeah no I got it I want to make sure I'm communicating correctly yeah I got it it's more extreme

1:04:22auto vroom vroom drive drive they let you drive what are you talking about okay what's your car oh it's a 2012 Honda Accord mom mobile It only has like 120 ,000 miles. Hold on. Wait, is this a lease? Wait. It's actually almost paid off. Yeah, it's kind of close. It's still two years away. I don't know what you're talking about. Almost paid off. Well, I'm planning on like trying to get it paid off sooner. Yes. While you spend double your income. And the monthly payment on that. And don't make payments on anything else. I don't know what you're talking about. It's only like$150 a month for my car payment.

1:05:02Your plan's a joke though. My car payment's like really low. I get it. But you say I plan to. but that does not make sense to the rest of everything else we've looked at so far. I don't get how you get that. It's worth about$8 ,413 in its current condition. So you do have positive equity on this. It would be the one thing I'm not freaking out about other than it's close to an 11 % interest, which sucks. You're likely halfway through that interest paying period where Moore is now going to principal. But even still, it's not great. It's not great. But you have positive equity. Yeah. How's it doing?

1:05:36it's fine it's really great 120 000 okay and you do maintenance yeah when i got it i actually um i put like ten thousand dollars down so what when'd you get it like three years ago but i put how much i think it was kind of overpriced it was like during that time where like all the cars were like super overpriced yeah and i think it was like selling for like 16 000 maybe and then i put 10 thousand down and finance like six thousand yeah majority is by far going to principal today 113 and then 30 goes to interest so you're in the good half of this loan okay so not fantastic having a minimum payment for someone that can't do minimum payments i can do them stop the cap i would say we're like nine missed payments this year or something And if I could see in this car, if you were ever late or missed, I don't know.

1:06:39If I'm able to look back in time. That one's actually on auto pay. That one is on auto pay. Good, but what if you had one that bounced? Well, then I would just use earning. What if you didn't have enough in earning?

1:06:54Okay, city double cash. I actually quite like this card. Oh, you're abusing it. Well, it's abusing you now, actually. I think that one got closed. Why? For why? Oh, wait, closed or sent to the collections? No, no, just closed. Good. They closed the account. Good. Good. Because guess what? Uh-oh, late fees. Who would have thought? Minimum fee payment, usually$107, but you're behind by two. Behind by two? Yes. Yeah. Like I said, the last couple of months have been kind of bad. Like, that's when everything really started. He was never paying for rent. You spent a couple hundred bucks on dating apps and VPNs and texting things.

1:07:35But what got so bad? He didn't pay for anything. Sometimes he would. Like, he would just be kind of inconsistent. Well, now you're changing your damn story. No, okay. So he would do, like, certain things that kind of helped out, but it wasn't, like, directly paying rent, if that makes sense. Like, he would buy food, but I would pay the rent. Okay. Or he would, yeah. Okay. Interest accruing, fees accruing,$2 ,600.13. Takes 10 years to pay off only the minimum of the payment. Late fee, there it is. Total fees charged this year so far. Looks like you've had about three late fees. We're now to 12 late fees.

1:08:16How many months are there in a year? 12. Oh.

1:08:23You also have, like, advanced purchases as well. What is that? Cash advance purchases. Hmm? Cash advance purchases. Where I took money out of the credit card? Yes, that. Or you had that pull into your checking account to prevent a bounce. That might have been what I did. Or a withdrawal, which is also horrendous. Yeah. Yeah. Sick, dude. I'm crazy. Do you realize just where you've gotten your life? Like, this is such a scary. My life is great. I'm happy. I'm buying my happiness. No, no, no. And I'm still making sure things are getting paid. Maybe they're late, but they're still getting paid. You're delusional.

1:09:08You're not happy. You're delusional. I probably am delusional. You are delusional. Have you heard this conversation so far? From my ex, yeah. He said the same thing about me. $529.84 owed on, Let's call this one... What was the Klarna 2? I don't know. It doesn't matter. Oh, God. Yeah. Oh, my God. Does that say NFL? Yes. I bought him, like, a$300 NFL hoodie, but I did return that. And was it refunded? Yes, it was. Okay, what do you owe on this now? Can I look at it right now? Yes. Okay. So, I'm sure you racked it back up. What does it say on there? Just tell me the f***ing thing 800 800 You're right you didn't rack it back up You f***ing almost doubled it You don't know anything You don't know anything This conversation is mind blowing This conversation is literally mind blowing You said 890?

1:10:17Um Yes 800 What's your payment minimum? My payment minimum on Klarna? Yeah. The one you just pulled up, dude. It depends on which purchase that you're talking about. All of them. Okay, so in the next seven days, it's$30. And then in January, it's$500.

1:10:41There's like four Sephora purchases on here. What are you getting? And then there's like some... I like to buy things for my son. So far, not in the purchases. No, like that's what I was... I saw one like pajama set for him. Other than that, it's all for mommy. No, that's what I was going to say next. It's a kid's footlocker. That's expensive one, though, is it? It was, like,$100. Okay, so that's not the$500 payment. No, no, no. $500 is, like, the total of everything. Everything owed? Yeah. The minimum payment? No, no, no. That's just how many minimum payments... That's what all the minimum payments equal in January.

1:11:15So they're just... Yeah. Sorry. $500. Mm-hmm. Oh, lady. with a Verizon card. I used to work at Verizon. It was good back then. It was good for me back then. How? Again, you're not a reliable narrator about any of this. How is it good? Do you know what the word good means? Not good, but it gave me benefits to my job when I worked there. So the job was good? Yeah. We're talking about the card. Okay,$539.14 with a$30 minimum payment. It takes 15 months to pay it off. Interest was$4.19. Yeah.

1:12:05Total interest paid,$114. Surprisingly, no late fees on this card this year so far. The first one, by the way, that is true. One. You did one out of 1, 2, 3, 4, 5, 6, 7, 8, 9, 10. One.

1:12:27Over 30 % interest. Is that all your debt? Yeah. That's it. My phone is financed, but. It sure is. Cash app, okay. 3 in, 3 10 in, 3 10 out. Let's see. Transferring, transferring from people, blah, blah, blah. Artisan nail lounge. You do nails every second of your life. More artisan nail lounge. But I got this stuff on Amazon to do it myself. The nails, the press-ons that you saw. Yeah, and then you didn't do it because you're not wearing them. Yeah. Well, but these are just short. They didn't do this at the salon. I did it.

1:13:09Where's all this cash going to who and why and where? On Cash App? Well, okay. Sometimes my dad cash-ups me. I think I receive more than I send. Where are you sending it to? I don't think I've sent any on cash-ups. We had some money being sent. It was about at least 40. Does it show you the name? We blacked it for privacy reasons I cannot see. You want me to check? No, it's fine. I was hoping you could be able to tell me something. But it's beyond clear in our 20 minutes and that you are unable to do that. It was probably my sister. $735 in your checking account. Why? Your sister. What? Oh, my sister?

1:13:51No. I don't remember what it was for, but I think she just needed to borrow some money. Did she pay it? Did she pay me back? No. I told her it was fine. Sister like sister. Sephora. Going in and getting some bulls**t from Circle K. Amazon, Amazon, Amazon. Amazon, Hollister, Macy's, Sephora, Sephora, Steve Madden. Going and getting some BS. Amazon, Starbucks, cash app out,$30. Oh, well, no, actually, that's the Artesian. Scooter Coffee. Oh, okay, yeah. It was probably to the nail salon. No, that one was. Oh, okay. Afterpay, McDonald's, Target, Amazon, Prime. I don't know if that was video or just Amazon and then Amazon.

1:14:41Sephora Apple Cash sent out Starbucks Sephora you're really gonna to be fair me yeah we just went through Christmas and a lot of that Sephora stuff was also from you can't afford Christmas you can't afford your bills Christmas is not an entitlement oh good Twizy transaction on your main checking account Twixy to buy Instagram followers not for me I did like one of those pranks that where you like Like, buy your ex, like, a thousand followers to make it look like they bought themselves followers. That classic prank that everyone knows. Have you guys, is this just me? You got him. He deleted his Instagram after that.

1:15:28Oh, actually? Mm-hmm. Cash App, Starbucks, Sephora, McDonald's, Klarna, Baskin-Robbins, or Dunkin' Donuts. Venwaying out 21 bucks Sephora Hollister, Amazon, McDonald's, Prime Video Billy Harwick Uber Trip, Apple Cash I'm out, oh my This really just keeps going doesn't it Oh good, oh wonderful Oh good Nothing like a good overdraft fee Nothing like overdrafting on a fucking checking account Not even your checking account Not even your checking account can be good Literally not one account is allowed to be without just absolute fuck. Usually that never happens. I don't give a fuck. It happens. Usually.

1:16:13Usually I never murder someone. That doesn't get me out of a murder. Can I explain? Okay. Sure, try. When me and my ex broke up, I was like always comes back to ex. Guess what, guys? We're not responsible for anything. I was really depressed and I kind of just didn't care about everything for a while. And I didn't check my penis. to the damn therapist at Sondermine. They're great. Use your free sessions. I think these are cheaper than therapy. These purchases. I think free therapy is pretty cheap. Free? Do you hear words? I don't know. I feel like... I don't really... Maybe it would be... I haven't tried it.

1:16:52Maybe it would be good. Buddy! You're a lost cause. Coach? Oh, like bag coach? Mm-hmm. Great. I'm sure you didn't have any bags. Went in and got some BS and TJ Maxx. You look great. Fuck, man. This is fucking crazy. All right, let's get your budget. Let's figure out your minimum fee debt payments. Only now. I'm going to get your... I'm going to get what your minimum fee payments are on the cards once you catch up. Okay. Once you catch up on them instead of owing that big back crap. crap oh even when you catch up your total minimum payments it's a third of your income it's a thousand about a fourth after child support everything a thousand forty seven dollars and 81 cents okay what's your rent my rent is 1350 utility uh let's get gas gas and uh gas and electric um for utilities um that would be like six all my company like groups everything together like rental company okay so they group like the rent with uh utilities so utilities is included in the 1300 no no it's not okay what is it how much for your utilities lady lady lady utilities number 200 does that include the internet no how How much for internet?

1:18:21$40 a month. Gas, vroom, vroom, drive, drive. $80 a month. Car insurance? $150. TP, fun, anything else you need to survive, going to do$200 for you and your kid. Necessary food, you and your kid,$500. Use the meal plan, meal prep. He's not going to be very happy. I don't give a f***. He's going to eat his food. He's really picky. You got to make it work. Again, talk to the therapist about it. The fact is you just can't afford it. And you got to meal prep. Make his favorite foods. Meal prep his favorite foods. but you just got to meal prep a couple days a week. It's the only way to do it. You can do it at$500.

1:18:55Medical? Anything medical healthcare on a monthly basis? No, it's already taken out of my check. I know, but do you have prescriptions or anything? No, no. Gym? Not yet, but I want to start. Okay, I'll give you$40. Okay, that should be fine. I'm not going to have any Subscriptions for you Do you have any pets? No Thank you Any other payments That I have not taken into account That need to be in your budget? Um My The childcare No that needs to be an expense An expense? In your budget Do you know what a budget is? Yeah I'm saying include the childcare Into your income? No Oh sorry sorry sorry Childcare So like after school care?

1:19:42Mmhmm Okay how much? It's$50 a week. That's not bad. 200 bucks a month. Mm-hmm. Okay. $3 ,757.81. And then with your average income on an average month with the child support, we're at about$4 ,114 net. Mm-hmm. Good. Okay, so with the$356 left over on a monthly basis, first order of business is to get caught up on all the minimum payments. So that has to do with your Quicksilver card,

1:20:15and your double cash. Once you're caught up on those, then we prioritize. Let's just do snowball to keep you prioritized. Smallest balance to largest balance. Smallest balance to largest balance. I actually did just pay off one credit card. Which one? It was a... Oh, so one I don't even have? Yeah. Okay. I didn't include that one. Great. Well, we're behind on payments, so... But, okay, cool. Very good. Well, how much was it that you paid off? The balance on that one was pretty low, so I, like, kept making payments toward it, and it was like. Okay, smallest, after you catch up on your payments after about two months, okay?

1:20:53Mm-hmm. And everything's back to just normal minimum fees. You're gonna, smallest to largest. This should take three years. Okay. But. So I'll be 30. Mm-hmm. I feel like that's a good place to be. You did math on your own. No, I'm just excited. No, I'm kidding. I'm sorry. I'm being a dick.

1:21:22I'm thirsty. Whatever the hangry version of. Yeah, why don't you just rub that in my face? Yeah, three years. But you can boost that. Continual raises, obviously. And if you get like a part-time job, maybe some customer service from home, you know, call center stuff. If you're able to do some stuff in the evening once you put the kid asleep, even. work just a few hours whatever it might be or just email support we pay a customer support representative for our classes and stuff like that and she's remote you know she's just going through our emails so anything you can pick up dude literally if you bring in an extra 356 dollars a month you double this process you make it a year and a half instead of three and all you have to do is bring in an extra 316 dollars a month I think that's worth it isn't it?

1:22:05it is worth it yeah bring an extra thousand let's get this over in a year then get a fully funded six month emergency fund that's critical for you and your position as a single mom. So you need to get a six-month emergency fund, everything you need to survive, six months, or 10 ,000 hours, whichever one is higher. That's the step. I would try to go get a little more money. I'm not saying leave your job, but let's try to get this taken care of in a year and a half, get a fully funded emergency fund, pay off all our bad debt by two years. Two years total. Then you're going to contribute 20 % to retirement until you die.

1:22:33Well, until you retire. 20 % on a monthly basis. To my 401k? Honestly, it might be easier for you to just, yes, call it your 401k, 20%. Okay. Let's leave it there. You can go through the investing class and the budgeting class and the debt class. So you get all the education around this. Take all the quizzes. You guys get it for 15 % off all bundled together, by the way. Highly recommend it. Tens of thousands of people have taken it. All right. So make sure you go through that, and that'll help with that. But as we do follow-ups on the Financial Audit follow-up channel along the way, I'll help lead you through that process once we get there, okay?

1:23:07Okay. That's what you have to do now. It's time to grow up and take control. And if not for you, for your kid at the very least. Yeah. Stick around for the post show, guys. Join our YouTube membership. It really helps this channel. We're going to call the X. It's going to be a juicy one. It's going to be such a good post show. I'm so excited. I'm scared. I'm scared, too. See you guys in the post show. Oh, Hammer Financial Score. Let's do that as well. You said you're 0 out of 10. That sounds about right. But Hammer Financial Score.

1:23:39spending a bunch of you overspend 0 out of 10 debt yeah with that insurance thing that's going to count as collection I'll give you a 1 out of 10 though merchants fund nothing in savings 0 out of 10 retirement barely got it started I'm going to say about a 2 out of 10 probably real estate 0 out of 10 it's going to be a hammer financial score rounded up just barely you barely got over 0.5 but oh my god rounded up 1 out of 10 a 1 okay see you guys in the post show it'll be a good one Join link in the description below. He stole. Should I tell the police? I want to confront this mother. Cheating.

1:24:14Stealing. She sucked his in the back of a car. You know, this happened. She messaged me. All right. I want to confront this mother. Why would you cheat on such a lovely person? How many other women did you sleep with?

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