Gaslighting. Toxic. B*tch. | Financial Audit

26:09What I'm saying is you cannot afford a house. What I'm saying is you should not get a house with someone that you do not know if you're compatible living together. What I'm saying is you should not get a house with someone you're not married to. What I'm saying is you should not get on a loan with someone you are not in a literal legal partnership with. I am saying a lot of things and all that is coming down to this is a fat stack of paper, meaning you have a ton of debt and a lot of dumpsterie. You spend beyond what you make on a monthly basis. You're not even in the conversation of buying a home.

26:40This is a moronic way to begin the conversation and your goals make no sense. So let's get into these finances because this is going to take thousands of years. Oh my gosh. It's not that bad. Did you even know about PMI? No, I don't know what that is. Okay, private mortgage insurance. So what you have there is when you're under 20%, you're going to have to pay a monthly payment into this insurance because you are too risky of a borrower. Yeah, I didn't know that. You can pay that off up front, usually a few thousand bucks. But I doubt you'd be able to since you're only bringing$5 ,000 to the down payment.

27:17I'm just getting bigger down payment. But like I said, I want to get my finances together. Level your savings, you will be at$1 ,200 a year from now. On top of the$400 you have saved. Well done. Very smart. I will find a way. If you want to find a way to be on this show, go to CalebHammer.com. We'll have you here in Austin, Texas. It's a fun time. I want to know what you think your financial score is. Zero to 10. Zero being the worst. 10 being the best. What do you think? It's probably a zero. Okay. First reasonable thing you've said all conversation. Listen, get your score. Figure out where you stand.

27:51Take the assessment. It is free at calebhammer.com or dollarwise.com, whatever you prefer. And don't forget to sign up for the DollarWise budgeting app, ladies and gentlemen. Take the free trial. Also sign up for the annual version if you want to save a lot of money and get our budget-friendly cookbook. Signed by me, mailed directly to you. You can sign up for the free trial at DollarWise Central. Our all-in-one program has a premium version and all of our educational products all bundled together for 80 % off. Check it out, dollarwise.com. Let's get into these, because what the fuck are we doing?

28:20Oh, good! Yeah, let's just start here. Wanting to get a house, saving money. Oh, we're saving. We're saving$200 in four months. She's pay advancing herself. Bro, gotta out me like this. It is financial audit. Well, the thing is, I got stuck in that cycle. And now it's like just that vicious cycle that I can't get out of. Buddy, this is a cycle of what's your total due? They're all different. What's your total due? What do you think total means? That means all the different ones added together. It's about like$2 ,600,$2 ,700. Oh, that actually is difficult. Usually these pay advance people get into like a couple hundred dollars.

29:02Yeah. $2 ,600 to pay advance that you're, I mean, oh, that you're stuck in. Yes. Oh. There's three. So one of them is a thousand, but obviously with after all the little fees and the tips. Come on! You actual creature moron. Every single time she borrows this$150,$100,$150,$100, she tips. She tips the company a thank you of$2,$2,$2. Why are you tipping them? Why are you tipping them, you actual? If I'm being honest, I've noticed when you don't tip, they lower your advance amount. But you should want the lower advance amount because you're stuck in this. But I'm stuck in it. And how am I going to pay my bills?

29:55How am I going to pay my bills if I don't pay advance? They literally, my check gets eaten up by it. So then I have to borrow it again. Is it pre-taken from your check? Yeah. You have it connected to your f***ing account. You gave them access to your damn account in order to sign up for this earning program. Yes. You creature. That is like the worst thing you could possibly do. It's like taking out a payday loan and giving them access to your bank account and they garnish it? Yeah. Why would you get into this? Because this is insane. This is insane. I know it's bad. I know it's bad. 2 ,400, you said?

30:30Honestly, closer to 2 ,600. Okay, 2 ,600. Tell me, how'd you get into this? How long did it take to get stuck in the cycle? I would say, like, officially stuck in the cycle for two years. It started in 2021. I lived on my own. didn't get that much money. You lived on your own already and you couldn't even survive that and you ended up in a pay advance cycle. Yeah. And when you're thinking of getting a house, what is this conversation? Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is.

31:12We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? You can try Dollar Wise for free until September 1st. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to DollarWise.com.

31:53Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. DollarWise.com. Let's f***ing go. You're losing me. I'm already lost. It just got vicious. You just start to borrow. Bonus isn't as juicy one month. So then it can work better. You're in sales. It's all up to you. I know it is. So that's honestly what I've been trying to focus on. But now I'm like looking at everything in paper and I'm like, I think I need a second job. Okay. So in 2021, I had my own apartment and I would say 2021 is when the pay advances started.

32:34So you lived outside of home one time in your adult life and you immediately f*** it all in. You're telling me you want to get a mortgage? Well, there's a lot less flexibility. You can't break that mortgage and move in with home. I want to go in with a plan. Older is nothing to me. Older is nothing. A magic switch doesn't flip at 25 like the internet propens. You're trying to be more mature. I'm trying. But I see your finances. You absolute f***. I see your finances. You're trying to be mature is not more mature. In fact, one of your mature things is trying to get on a mortgage with someone you're not even married to and haven't lived with.

33:09Do you think that's mature? No, that is childlike behavior. I don't think it's that stupid. So how long did you live? How? What? We've been through the conversation. Okay, yeah. I won't bring it back up, but I don't really think it's that stupid that we're not married. Argue the point. In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middlemen markups and put American patients first.

33:51Visit PHRMA.org slash middlemen. Argue the point! It's not dumb. Argue the point, you absolute creature. What the f*** are you? You cannot disagree with what I'm saying and not be able to argue a point. I'd rather own a home than rent again. No, it's about getting on with him. Someone you're not married to and haven't lived with. Like I said, I saw this person as a life partner. Yeah, we've only been dating a year, but I could see myself living with him. If you were dating a year but living together for a year, maybe I would talk about it. And, you know, that would give a little more flexibility.

34:25I would still prefer marriage first, but you guys haven't lived together. I just don't think it's that deep. But you don't have an argument. in actual like points you can bring up. Like what? I talked about the risk to it. Oh my gosh. I don't understand what you want me to argue. I don't think it's a stupid choice. That's the argument. So you take up from earning. That's not, yeah, but you don't have a point behind it. You have the headline, but nothing in it. Well, look. Okay. So you're borrowing from earning every other day on average, it looks like. So 15 days a month. Great. What's your minimum monthly payment?

35:01I know it's usually spread out to different days, right? Yes. Okay, but what just stacks up across the month? Because this is endless on the same month every time. And of course, you got these lightning fees every time with six bucks. Yeah, so with earning, it's like$1 ,030,$1 ,060. A month? Yeah. Okay. $1 ,030,$1 ,060, we'll say$1 ,060. Yeah, depending on the tips. Okay, so that immediately takes a fourth of your income. Just about. And you want to get on, again, a mortgage. I mean, that blows my mind. You live with your parents right now. You pay rent. You split it with her. Yes. Would she cover it for a month if you struggled?

35:37I wouldn't do that. I just can't. She'd be willing, but I wouldn't do that. That won't happen though if you're in a mortgage situation. No, that bank come a knocking. I know. But I have trust in the person that I'm buying it with. I'm going to call this guy in the post show. Okay. I'm going to call him in the post show because I need to learn more about this from his side. This is crazy. Okay, so you lived alone for one year and did you, was it just one year and you moved back in? One year, yeah. One year and your entire life went to shit. And you think, again, this doesn't make sense. You're setting yourself up for failures.

36:10Like we can learn from the past about the future. What does your boyfriend think about your financial situation? He knows it's bad. I guess he just, he isn't judging me. What does he think about it? I'm glad he knows it's bad. What does he think about it? You and answering questions. One of the. Dude, you don't really ask direct questions. What does he think about it? I don't know what he thinks about it. You could have said that. That's an answer to the question, you actual creature. You're a gremlin too. No, but at least I can answer questions. At least I try to. And if I don't know why I say I don't know.

36:41Yeah, I don't know. What does he think about it? He knows it's bad. That's a thought? That's not a thought. That's a knowledge. I don't know what he thinks about it. So he's never told you anything or gave you any advice? No. Okay. Lies. I know for a fact, based on the conversations that you have had with the producers, that he wants you to get a second job. Doesn't want me to get a second job. He advises that you get a second job. Yes, advises. Which means he wants you to get a second job, by the way. Liar. Why the f*** would you just not tell me that? Because it wasn't press. It's not like he's pressing me to get a second job.

37:12No, but that's his opinion. That's his opinion. I'm asking what does he think you should do. I had asked after breaking down my finances, I was like, I think I'm going to need a second job. And he's like, yeah, babe, you might need a second job. Well, babe, you might need a second job. Why haven't you gotten a second job? Because my freaking schedule is... What's your schedule? What's your schedule? Tell me about it. It's 11 to 7 now. And then I work every other Saturday. And honestly, thinking about it, I'm like, where... Good, work every Sunday. Where? Fast food. I tried doing the Uber Eats.

37:41Uber Eats, hit or miss, depending. Phoenix might be a good city. Okay, maybe not then. Yeah. Maybe you're running the area, right area, right town. But no, work an evening shift somewhere. Walmart, evening shift. You just have to curate your resume to make it look like you're not just going to leave when you get a job you'd prefer. I know. That's why people fail when they think they're not, they're getting turned down for being overqualified. No, it's not being turned down for being overqualified. It looks like your resume is like, hey, I'm going to take this for a month and wait till I get a better job.

38:07So you just have to curate it to pretend like you actually want to work there and stay there. And you could get an evening job. You can get a Sunday job. But like, are people really just scheduling you on Sunday? I don't believe that. Just Sunday, that one will be hard. Exactly. But you have evenings and mornings open. We've talked, you've already told me. I just like, it's fine. it. Honestly, it's finding it. I haven't looked. Finding it? You haven't? Well, you can't find what you don't look for. Because I really don't want to. I don't want to have to need a second job. Well, I already see a fourth of your income literally going to earn in a loan, and it is the first piece of paper on a very large stack of documents, and you spend$14 ,000 when you bring in about$5 ,000.

38:45I don't know where you're getting the$17 ,000, but we're going to find out. Well, if we go through this, we'll find out. But listen, your earning counts, what you put towards it, what you spend on things, your rent counts. Now, of course, you had Zeldin of$18 ,000. And we can talk about that and we can add that and say, okay, maybe she made like$6 ,000 total. Gotcha,$6 ,500. Cool. Still spend$17 ,000. So it still doesn't make sense. Yeah, I don't know the$17 ,000 part. Now in the conversations you had with the producers, it wasn't, you didn't talk about how Uber Eats didn't work. And I'm glad you're saying that on camera now.

39:13Yeah. Yeah, yeah, yeah. Shake your head. Yeah, agree with me before I absolutely ruin your life. No, anyways. So the fact is. I didn't mention it. First off, I did mention it. I did mention that I tried Uber Eats. I know, but the reason that you stopped isn't what you're saying on camera now to look better. In the pre-conversation interview, you thought it was beneath you. No. That's what you said. I did not think it was beneath me. $100 for four hours. Okay. In quote,$100 for four hours is not worth my time. But mind you, that was like the highest amount. That's$25 an hour. That was like the highest amount that I've ever.

39:49That's not worth my time. You think it is beneath you. All right. Then it's beneath me. Then you're going to think everything is beneath you. No. Because you're going to make less at Walmart per hour. You're going to make less at McDonald's per hour. You're going to make less at whatever job we pick up per hour, most likely. No. It just goes back to I just don't want to have to have a second job. I don't want to need it. Right now, it's not working out. And I don't really care about what you want. What do you want more? To get to that future you desire? Or to just be lazy right now? Because that's what it's going to come to at the end.

40:23And you also didn't want to do Uber Eats on Friday, Saturday nights when you can make some of the best money. I know. I mean, that's on you, dude. You're not going to find sympathy from me. People make sacrifices in order to pay bills. That's what we do. Welcome to the world. I don't know. I just, I can't. After the week, I just don't want to. Well, that's what. Want and can't are very different. Last thing I want is to drive around for hours. Give up. Like I said, I haven't looked, so I don't know who would hire me with the hours that I work. We'll see how the budget looks at the end. Oh, there's more earning, earning, earning, earning, earning, earning, earning, earning, 150 bucks at a time.

41:02It's crazy. Oh, she also daves. Listen, the little cash advance things are actually, you can finesse. It's not the worst as a concept, but it is people like you who cannot use a credit card, who cannot use, who cannot consolidate debt. There are things out there that are good. Debt consolidations, 0 % credit cards. There are things that are good. This is one thing that could be good, but the vast majority cannot use it. And you're in the vast majority. So you're more pay advancing. I'm abusing it for sure. Apparently optional fees. Why are you paying optional fees? You're tipping again. Yes. You're tipping$27.

41:33Also, they charge like a fee for like an express fee. And like, I need it immediately. Overtraft. You have an overdraft fee on here. A Dave. Yeah. An overdraft Dave fee. Yeah. I didn't know that. Well, now you do. Year to date, you've had three of them. And this is seven months into the year at these statements? Yes. The time of these statements? So almost half the months you've overdrafted.

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43:21Not with the way you were doing this. You didn't even know you were overdrafting. You've overdrafted half the months this year so far. Yeah, I straight up didn't know that. Withdrawal resulting in overdraft$1 ,800. Only deposited$1 ,248. Optional fee$27. Overdraft fees$45 this last month. Owing a total of$624 by the end. But of course you owe more on a monthly basis because you borrow more throughout. So you're taking cash, taking 600, taking 600. What is like the average, the usual amount that you have to pay on this? It's usually 624 that I have to pay back. That doesn't pay off the whole thing, does it?

43:56Yeah, that's, I'm really confused about that overdraft. That's why I'm real confused about that. Well, you did 600 there, 600 there. So twice in one month. Nope, three times 600. Okay, so you owe 600. Yes. But multiple times. because you just take$600, pay$600, take$600, pay$600. But then you get fees. The$24, yeah. That's why I was like, they take the$624. Anytime I pay it all back, that's why they... I mean, your overdraft fee is likely because of your optional express fee, meaning it pushed you over that$600 that you actually could. So you got double fee. That's what I'm at least reading into this because it happened to...

44:32Oh, you had two overdraft fees. No, you had three overdraft... Because the overdraft fees on this are$15. So you had three that month alone. Three that month alone. 45 bucks. You've had nine overdraft fees on Dave this year. Nine! I didn't know that. I really didn't know that part. No, you don't know anything if we're being honest. Obviously, but no, yeah, that one, I didn't even know they do overdraft. There's another overdraft fee there is. You had four last month, nine this year. I don't even know. What are you? Overdrafts. 624 is what you certainly owe on it. Yes. But then you immediately borrow it again because you need to.

45:12Now, what are you using Dave and earning for? Sucking up the check. So then I use that for bills. Yeah, but what are you putting that towards? Just bills? Usually my car bill, insurance, rent. Hey, going out to you was$500. Miss Lainey's bullshit was$2 ,600.

45:33Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. So go on. Yeah, what are you seeing Ernan and Dave for? Some affirms. Paying back a firm. What are you affirming? I affirm a lot. It's like Target stuff. Clothes.

46:19A purse. Concert tickets. Oh my God.

46:27I mean, I'm being told just based on a story you told them. You've borrowed money to go and get your nails and toes done. Yes. So it's not for rent and bills. that is oh I'm on camera now let me look a little bit better because I'm getting called on my shit then why do you do it because everyone does it so shut up yes it is that is how this works believe it or not I've done this a couple times yes no it is not just for bills it is for bulls okay there's been some petties yeah it was about 3 ,000 hours of bulls month you make 4 ,600 I know I have nothing to say because I don't know I didn't even know about the overdraft fees.

47:07I don't understand how it's$17 ,000 that I'm spending. Because obviously I don't make that.

47:16Well, okay. So is this? I don't know what this is. It's a third one. It's Money Lion. No, this is a third cash advance? Yeah. Money Lion? Money Lion. Ah! I know. That one's bad. That one is just a recent one. Oh, this one's bad. Guys, this one's bad. This one's probably the worst out of the three. What do you owe? This one is like, it comes close to$1 ,000 after all the fees. How is that worse than$2 ,600 on earning? Because this one is like - Just more fees? More fees, yes. Okay, so$1 ,000, is that what you owe every month? It ranges from like$980 to$1 ,000. Okay, so you just have to pay it off and then you immediately borrow.

47:55Now, what are you using this for? Remember the last time you got an earning of$100? What did you use that for? So, by the way, she takes an earning oftentimes twice a day. Oh, my. This is 3 ,500, 75, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 35, 50, 30, 20, 100, 100. Multiple times a day. What the f*** are you immediately putting it towards? You can only get$100 in a time and it has to pay fees on top of it. So with Money Lion, if I don't take it all out in one day, they like lower the amount.

48:39Oh. And I need that. Why do you qualify to the... Well, what? Okay. You need it? Why do you think you need it? How much do you... Because... Hey, question. How much do you think you paid towards these cash, Instacash deposits last month? Just a loan? Yeah. How much do you think you paid towards that loan? I'll say like maybe like$4 ,800. Well, that's insane because that's more than you make, you f***ing creature. But it was$3 ,859.81 across all your Instacash payments. Now you have a lot more documents to talk about. And Affirm is next. But in terms of the Instacash, yeah, yeah. Yes. Borderline, what is that?

49:20$3 ,859.81 by$4 ,600. Yeah, that is 84 % of your income. Just an instapays and your pay advancing. That's insane. I know. I've never seen that. It is rare that I have a first time in the history of the show because money is not that diverse in terms of what you can do with it. You've made history. No, I'm not proud of that. And we're 15 minutes in and you've made history. And you said you think you're doing okay because I pay my bills. Yeah, the bills are paid though. No, no, no, no. 80, 85 % of it or whatever is just pay advancing. I told you in the beginning, it's a cycle that I'm stuck in. It's a vicious cycle that I'm stuck in.

50:06And also, you were overdrafting, so that doesn't qualify to me as the bills are always paid. Yeah, I didn't know about that. Because you're having to take more than you even can. Because you have to get the Insta just to pay a bill. If we're getting Insta pays just to pay a bill, we don't get to brag about the bills are being paid. especially if we're overdrafting on them. The bills are paid. Oh you f***ing animals. It shouldn't really matter how it's getting paid. Actually it really does. Why should it not matter? Because it's getting paid. But why shouldn't it matter? I would say it matters because it gets stuck in a cycle because you have to pay fees for it because you're required to tip or take a maximum amount for them to not decrease what you can actually borrow.

50:50I'd say it matters because it is eating up 85 % of your income. So those are reasons why I would say it matters. Now, can you give me one reason why it doesn't matter? Yeah, you're incapable of giving reasons for anything. No, I was just going to say because the bills are paid. They're not late. The big bills, rent, car, insurance. Oh, the big bills. So just not the bills, just specifically the big bills. The big bills. Okay, I'm glad we're extra. We're pushing the goalposts on that one. Right. Okay, affirm. Arizona MVD fee? I used Affirm for my tags. So your tags, your Affirm and your tags. Yes.

51:27$247. And I know you need to get your tags. That's fine. That's a little different. Target, probably some bulls**t. Sephora, definitely bulls**t. Oh, there's so much Affirm. This is ridiculous. The rest is probably bulls**t. A lot of like, I think there's like Abercrombie. Coach, Ticketmaster. Posh Mart Booking.com Airbnb Dicks Tires Alta And the tires okay maybe But Alta there's another Oh and then we get your Tags and your Target and Sephora It's almost all bulls**t And you owe on a firm $1 ,987.99 A lot of these Are paying 5, 6 and are even all just paying 4's Meaning you got interest. That's for sure.

52:19No way you don't. Now, I know they come out at different times, but over the 1987, I'm going to assume if we, most are paying six, but there's some paying fives and fours and threes and twos. So with remaining for what it's worth, but I'm sure the moment one of the two months payment is done, you go and use it on something else. Cause I know you immediately repeat. You understand if I then take this and I divided it by, let's say fours on average, you owe approximately$496.99. With that alone, I mean, mix your earnings, your Davids, your money lines, and then your firms, you do not have money left.

53:04Like this is not making sense. I don't even know how you've saved$400, honestly. Well, because you've gone further into debt. I mean, you put your wants on a firm, which makes you feel like you have more for your needs so you can put money aside. But really, the money that you put aside that would have gone towards fun is just putting on a firm. Wayfair's big sale is returning. Get ready for Wayday. For four days only, score up to 80 % off all things home with free shipping on everything. From October 26th through 29th, score Wayfair's best deals. like up to 80 % off area rugs, up to 60 % off mattresses, up to 60 % off bedroom furniture, and more exclusive doorbuster deals.

53:47So mark your calendar and shop Wayday starting October 26th at Wayfair.com. Wayfair, every style, every home. And if you're just borrowing from the bank, and you're just borrowing from Dave and all this bullshit, I have to ask, do you borrow from boyfriend, mom? Do you borrow from any of them? I do. Okay. Yes. And see, that's disgusting. You're going and getting these tickets in Airbnbs, booking.com, f*** you, skims. F*** you. That makes no sense. If you're borrowing from your boyfriend and you're borrowing from your mother, how much, how often? My mom rarely. What's rarely to you? Like 150 maybe every two months.

54:32But what we'll do is she'll just let me keep it to put it towards other bills, like the electric bill. good she's an enabler and the boyfriend who the boyfriend why the f**k would he want to get on a mortgage with you knowing your behavior i have no idea but go on he knows i'm trying to take the steps to like you're literally not no you're not you're saying you're trying but you don't put in the action you are not trying i never want to hear you use that word again you're thinking about trying but you haven't tried shut the f**k up so go on how much you borrow from him how often Him, probably same, like$150 every two months.

55:09But I pay it back. So on average, you borrow$150 from someone a month. And I guess you borrowed it from some tires, but then you didn't actually use it to pay for a tire. Yeah. So on the way up. What did you use it for? Probably just bought more bull. Probably went out to eat. You're disgusting. You're disgusting. He gave you the money for the tires, I'm being told. Yes. You lied to your boyfriend. I did lie. To this person we're trying to spend the rest of our life with the money that he gave you for something specific and you go and blow it on Sephora board. Dumb assery? Yes. You're a bad person.

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56:27No. Going behind someone's back is still bad regardless. Just because you confess it doesn't expunge you. I know, but I did tell them. You know, then why did you use that as a justification? Or a way to get out of this pushback? You know? No, you don't. You don't know anything. In that moment, it didn't feel bad. Like, I didn't think it was bad. Okay, so maybe you're a psychopath. Possibly.

56:56definitely psychopathic tendencies average customer on a firm owes $736 you owe more than double the average person yeah that's bad it's really bad the firm is crazy yeah you almost owe three times the thing about a firm is just so easy to use no that's the point you actual creature what the do you think the point is oh there's so much more we got SPIMG Poshmark more skins okay Travis Scott Travis Scott yeah Ulta more Ulta Target more Sephora this is so moronic oh good and Klarna's next

57:43Clarin is not that bad. Well, how much do you owe? I believe it's like 400, 500. That is bad, though. That is money that you owe. 400, 500, you don't know? Okay, I'll say five. Because I know it's certainly different than this. Listen, interest is growing like crazy. Like borderline. It's insane because this is like 36, 37%. That is bad. It's not as bad compared to the other stuff. It doesn't matter. It's stacking on top of it. Just because something else exists that is bad doesn't make this good. Are you stupid? $125 minimum payment likely on these, if not more. Getting Coach Sephora, Dolls Kill, and Forever 21.

58:26The f***ing Dolls Kill. It's a clothing website. Clothes. Okay, you do love clothes, but yet you look like s***. I'm so confused. This makes no sense. Wear a t-shirt. I understand how that's so rough. Can't wear a t-shirt? You can. And I would just expect someone that spends so much on clothing to look decent. Well, it wasn't going to come in like a ball gown. There's nothing in between that. That's interesting. Okay. Wow. We finally got to our first credit card. You are such a disaster. It took us this long to get to a credit card because you had worse stuff before it. Yeah, that's bad. And I hope the boyfriend sees this.

59:04Is he going to see this? Yes. Good. Boyfriend, don't even consider getting on a loan with this woman. Not even close. She needs to change her behavior for, one, pay off all her debt so that her credit score doesn't carry down, hold down what kind of loan you guys can get. Two, marry her first. Three, live with her first. Four, then she needs to put in behavior after she pays off the debt for at least six months proving that she's at least managing her money correctly and able to budget. Do not even consider this for multiple years. Jeez. Buddy, there's no way you're going to be able to get to your$5 ,000 anyway.

59:39What are you talking about?

59:44Think of America Oh good We're over the limit Oh good Wonderful Get in a house Shut the f*** up How long do you think this takes to pay Just doing minimum monthly payments only Without making any purchases Which by the way Oh yeah purchased Because you're incapable of not purchasing But how long do you think that would take Like 20 years Okay 16 Okay But on your pattern, probably about 30-40 On the way you spend on it Because you paid 126 And then a monthly payment at that time Wonderful Then you purchased$100.22 Well,$90 of interest accrued So the balance went up And you already started Already above the limit And then you went even higher You were such an actual Dumb piece of With your money With your money With your money With your money And getting into this relationship in a really weird way.

1:00:41$129 minimum monthly payment with a balance owed on here, $4 ,072.23. This year alone, you've paid$526 ,000 in interest on this. Add everything off together in the fees, I wouldn't be surprised if you haven't paid like$2 ,000 in total so far on everything we've talked about in fees and bullshit drafts. You're going in and getting some BS. Getting some BS and doing an Uber trip. Yes. at 26.24 % interest rate. What's up with this card in your mind, in your world? Because again, you started above the limit and you went even further above the limit. That card was only opened up because I had did a balance transfer from a Discover card.

1:01:23And then, of course, just full spending on top of it. So that's how that credit card. The thought was I was going to pay it off because they gave me 18 months, zero interest. So I did the balance transfer. and then I never paid it off. Tales all the time. Why do we keep doing it? Why do we keep doing it? How many times have you balance transferred or consolidated or taken out a personal loan to pay off something? Just that one time. Just one time. Good, never do it again. You're incapable of managing it in any way whatsoever. Incapable of managing it in any way whatsoever. You do not get to take advantage of good tools that can f*** you if you cannot manage it, and you have proven in every way possible that you cannot manage it.

1:02:10Another Bank of America. You're even over on this one by 63 cents, which is still over. And this one's actually crazy, dude. This one's crazy. This one is at$7 ,700 and 63 cents. 24 years to pay this one off. Be in your 50s. you'll be in your 50s by the time this is paid off if you don't purchase and oh we purchased yeah what's going on with this card i'm just keep it straight up i don't know i was just buying that was one of my first like credit cards that you could spend anywhere and i was just buying stuff just buying honestly i believe i bought a laptop on that one when that was like back in 2020 So I've just been carrying it.

1:02:59So it shouldn't matter as much. So I've just been carrying it. How long has it been maxed out? How long have these last two cards been maxed out? I would say a year. But that doesn't make any sense because you moved in for cheaper rent with your mom. Why is it getting even worse? 2021, you lived on your own. 2022, you moved back in. Why the f*** is it getting worse in 2024 to 2025? It doesn't make any sense. It goes against everything you suggested before. A potential answer would be, you know, I'm looking for it. I'm looking for it. You're looking for it? I would say just more money, more problems.

1:03:34Maybe. Just worse habits. Okay, so you're suggesting you've lifestyle inflated yourself? You haven't with a living situation, though. You split it with your mom. So you've bullsh** inflated yourself. I just bought a lot of dumb sh**. Okay, we've already heard that. Oh, my gosh. Okay. Well, yeah, I bought furniture for our apartment back in 2021. Okay. And you're holding that on this credit card? And then I think on top of that, the laptop, that was like 800 bucks. They increased it. Sell the furniture? Or does your mom use it? We only use the table, like the kitchen table. Where's the rest of the furniture?

1:04:09Threw it out. Better not. You threw it out? How much did you spend on furniture? That was like 2 ,000. Why didn't you try to recoup anything? Maybe even just$500. An extra$500 to go to a card would have been good. At that point, I think one of the, like the backs were like broken. So I just threw it out. Did you have a roommate or did you move out on your own and have to get all of it yourself? Yes. I lived with my cousin. So you kind of f***ed over your cousin too probably if you couldn't afford your s***, right? No, we were really good. The whole point that I knew I was going to, when the rent went up, that's why we moved back with my mom.

1:04:44Because I knew I wasn't going to be able to afford it and I wasn't going to F her like that. But no, I put everything on my credit card. There's probably more bills, Costco runs, food. They ended up raising my... So you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. Not balance. Your limit? My limit, yes. They increased my limit and that's when I started buying more dumb.

1:05:40Gosh. Yeah. You're not a credit card person. You can't be trusted with credit cards. You cannot have a credit card. I'll gift you the Fizz card. It's a debit card that builds credit. We'll get you with that. We'll also get you a course career certification, help you get into maybe some raises or a potential better job or a second job. So we'll get you set up with those, okay? But you are not a credit card person. You cannot be trusted to manage credit card debt. You do the transfer. It gets f***ed. They raise the limit. You just spend to the cap. It allows you to just spend more money. You see a limit on a credit card, and you say, I can go spend all of that.

1:06:13Yes. I'm like, I'm going to spend that money. It's like, it's just tempting. No, but everything's tempting. Yeah. Everything's tempting. Doesn't mean we go do it. That doesn't make any sense. There's so much tempting out there that we don't do. But it's there to use. So I use it. What is pushing you over the edge to all these spendings? How are you shopping for things? What are you doing? I need to know a little more in your life how this looks. How does your shopping look? So before I had deleted my Instagram, so I would be on Instagram and it's just like easy to look at things. and I'm like, oh, well, I have this much left on a credit card.

1:06:50I can use the credit card to buy it. Well, it's just people posting the things they're wearing and stuff and you're like, let me get that? Well, like kind of. Not like influencers, more like I follow the brands. So they'll release like a new shirt or something. And I'm like, oh, I can affirm this. I can use my credit card. But you deleted Instagram. Yeah, I had to. Why'd you delete Instagram? Because it was getting expensive. Nope, it's because you were stalking your boyfriend. That too. I did it. See how I led that? I could be toxic. Why the f*** are you incapable of answering questions truthfully?

1:07:22Like you are not a reliable narrator. If I did not have the answer to the question that I knew you were going to answer incorrectly because of your pre-interview questions, I wouldn't know what to ask you. I wouldn't know what to believe. I would just believe you and you'd walk away with nothing beneficial because you're a f***ing liar. You're a scumbag. I'm not lying. You can't answer questions and when you do, they're lies. It's still the truth. I use it to... You were stalking your boyfriend and what he was liking and messaging and whatnot and who he was following. It was mainly the following.

1:07:52Tell me more about that. This person that you're going to be moving in with and getting on a mortgage with. So, yes, it is important. Tell me more about it. No, I would just see like there's a new following and I'm like, oh, no, it's usually a girl. Whoa. And I would just get mad. I mean, it was just something to be. Yeah, exactly. I didn't like that. So that's why I was like, let me get off Instagram. Why? I don't know. Why is it bad? In my opinion, I wouldn't do that. I wouldn't go follow some dude. What? It's a random dude. Not an influencer, has nothing going on. Not an interesting post in a hobby that he's interested in.

1:08:28No, that's why. That's what I was like. These are just like mutuals. Why? Like, why? So they're mutuals? They're like mutual. That makes sense to follow. Not like friends, though. That's what I'm saying. People in your life, it makes sense. that you were just following them and it was just irritating because I guess I wouldn't do that. What was his relationship with them, if anything? What does he know about them? Are they interested in similar things? Are they in a community together? Are they co-workers? Do they know each other from school before? What is it? School? Okay, then what's wrong with that?

1:09:01Because this isn't just a rando that he's trying to get into the DMs then. Because they do have that connection. What is wrong with that? Are you saying because I have a girlfriend I can't follow Lindsay's Instagram? No. You guys work together. I can't follow someone I went to high school or college with. I just don't see why. Why? Because it's fun to see what people do in their life. It's fun to see where people go, what people accomplish, and what people are failures. See, that's why I'm off Instagram because I just couldn't. No, because you're a freaky creeper. Creeper? Yes, you were stalking every follow he was doing.

1:09:33What do you think you would be? He shouldn't be with you. It made me toxic, so that's why I stopped. Well, you're a toxic. You're a liar. you creep everything he does you want to force him let's be honest and how she set up this conversation let's read into it i know y 'all got ideas and big ones too and maybe it's a short film a youtube explainer a fake ad for an alien run coffee shop whatever it is the vision is there but the execution that's where things usually fall apart editing timelines voiceovers animations it's a whole production and unless you've got a full team or 40 hours to spare that idea is probably stand on your notes app but thanks to today's sponsor in video ai you can now sit in the director's seat and bring your ideas to life irrespective of your skill level and with 10 million users across 150 plus countries it's the only tool in the market that allows you to generate full-length videos using generative ai say i want a trailer where indiana jones discovers influencers at area 51 indiana's face is a mix of confusion and shock as he watches the extraterrestrial influencers.

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1:11:17It's crazy, right? And the best part, you never touch a video timeline. InVideo does all the heavy lifting while you stay focused on your ideas. You can try InVideo AI for free using the link in the description or scan this QR code on screen. It'll save you hundreds of dollars that you would otherwise spend on editing, animating, and other production costs. So whether you're a creator, marketer, or just someone with wild ideas, this is the tool that lets you finally bring them to life. Let's get back to the video. She wants to get him into a mortgage because he can't easily walk away from a relationship if anything is wrong.

1:11:51Because she said if the lease ends, it is an easy out. Yes. You are trying to trap this man and you lie to him endlessly. And they're telling me that you lie to him about money. I do. Well, the main thing was like, yeah. He had that purchase that you hid behind his back that he gave you money. You're controlling. You're a liar, a manipulator, a gaslighter, a stalker. You're a bad person and you're probably a psychopath. I can be psycho. No, a psychopath from a lyrical clinical way. Not caring about the emotions of other people. I don't think you're licensed to say that though. I'm not, but I'm at least I'm on my show where I can give my own damn opinion.

1:12:30And I wouldn't be surprised. Don't need to be licensed to call you a piece of. and you certainly are. And you're trying to trap this man. If that's what it looks like, then I guess I'm trying to trap him. No, that's what you've set up with your own language. You specifically said it would be an easy out when a lease ends. It is. It is an easy out. So you want to get into a mortgage with him. Not specifically. To trap him. Like I said, we both have a goal to buy a house. Why not buy it together? But if you're going to... No, no, no, no, no. Because I'm not bringing up that plan. I'm bringing up the easy out.

1:12:58If you have no intention to leave him, then you having an easy out wouldn't matter. So clearly the only easy out you're worried about is his easy out. Yeah. So you're trying to trap him into a mortgage. It's just the way you're wording it. No, this is based on what she said. Is this not based on I'm getting some nods? Yes. This is based on what you said. You're bad in relationships, aren't you? You get a little too intense. I can be intense, yeah. I'm a little more clingy. Yes, you're clingy. but honestly you're you take it to the next level you're a bit stalkerish you clearly shown it online oh come on stalkers a little if you had find my of him you'd be obsessively checking it i know for a fact come on what are we doing here you're not even willing to wait to marriage to protect yourself because you're so afraid of him leaving you have a fear of him leaving you have a fear of him leaving i do be honest there you go there we go it is adding up come on you cannot deny this.

1:13:56But at the end of the day, it's not about that. It's not wanting to lock him in. I don't have a fear of my girlfriend. I don't have a fear. He's going to leave. No, I don't have a fear of my girlfriend. No, no, no. You're making it harder for him to leave though, because that's what you specifically said. You told me earlier in this conversation within the first 30 minutes, it is harder to leave a relationship if we're on a mortgage together. So shut the f*** up. You cannot backtrack that now. I'm not afraid of my girlfriend leaving because I feel secure in my relationship because we love each other.

1:14:22I don't need that endless affirmation and I don't need to stalk who she's following and I don't need to see her on find my we don't even have each other on find my and I don't need to force her onto a loan with me because I'm secure in my relationship you're an insecure weirdo yes insecure yes weirdo I don't know oh come on your behavior is ridiculous so on here you went in and got some bullshit $1 ,000 of interest occurred on this card alone this year. $166 in interest this last month, 25.24 % interest. That brings us to maybe like$4 ,000 in total that you have lost this year. You have lost nearly a month's worth of income and interest alone so far, and we haven't even gotten through all your debt.

1:15:09Discover. What's going on with this card? I did the balance transfer, and then I bought more stuff. It's literally just like buying it and then just keeping it. Wow, you, wait. And then just paying. Okay, so this is the one that you balance transferred from. So here it is, ladies and gentlemen. Textbook example, as always. If you do not change your behavior before a consolidation, before paying off with a personal loan, or before a balance transfer, you f*** yourself because she built it right back up with probably bulls***. We're being honest. I mean, that's what you've self-confessed this entire conversation.

1:15:43It's definitely bulls***. Yeah, it's just bulls***, bulls***, bulls***. Ten years to pay this off. Now you have double the debt. And that's what happens when you consolidate or balance transfer. You just f*** yourself. And that is all you've done. Interest, just that month,$53. Well, okay. Your balance, which I didn't get, is$2 ,433.54. Minimum monthly payment,$74. Total interest this year,$314. So at that, now we're at like$4 ,300.

1:16:21just losing everything just for the sake of spending on bull then you're double spending

1:16:30Macy's you have a f***ing Macy's card in 2025 dude yeah that was my first credit card ever Macy's yes okay I like to get like Christmas gifts with Macy's Macy's yeah they have good stuff they have like fragrances They have jewelry. Macy's. Macy's. Yes, Macy's. We're 90s mall shopping. While we're spending on it, no one's shocked. Uh-oh. She's at$2 ,507.90. With minimum monthly payment of$89.06. I hope you're able to reflect on your behavior and relationship and the way that you are manipulating this man, gaslighting this man, lying to this man, and trying to trap this man. I don't think you fully see it.

1:17:21I hope you watch this back. Whether or not he sees it and calls you out, and I hope he does, and I hope he potentially runs or gets you corrected. But hopefully corrected before runs, but even still, I hope you're able to reflect on this because you're a bad person to be with. Well, yeah, I wouldn't want... To be with yourself? Well, yeah. That's also why I don't want us to get married yet because I see all this and I don't... You want to get on a mortgage. Well, yeah, dude. Why do you think that's so insignificant? You think you're able to just walk away from that? You're locking yourself in for 30 years, dude.

1:17:52I know, but... Without an equity position. Plus a minimum payment that neither of you could possibly afford on your own with your debt situations. So Macy's, why are you still spending on it? 13 years to pay off minimum payments only without doing any purchases. And we know she's incapable of that, especially when it comes to Christmas. Yeah, it's usually a Christmas. But what I did spend, I want to say I got like Clinique or something, some face wash. What the fuck even is that? Face wash. But we don't even know if it's working. You're so caked up. Kylie Cosmetics Clinique Treatment and Kylie Cosmetics Lips.

1:18:28Yes, lipstick. It's not even an upper lip to put it on. Bro. $369 in interest this year so far. You kind of got the Tom Holland, though. Damn, bro. You're just coming from my lips. Yeah. You're so rough. Yeah. You're still a little boo-boo. A little gremlin. Grimmel. I accept it. Grimmel. So now we're talking 4 ,000, just about 4 ,650. An interest alone this year. That is a full month of your income gone. An interest this year. Boyfriend, you seeing this? 33.49 % interest sake that's high sake oh my gosh we continue okay we continue what is this Victoria's Secret okay what's going on with this card lady oh you're maxed out just like every other card what's going on that one's not maxed out it's maxed out oh you're right it's$20 away shut the f*** up it's maxed out Anyways, that same kind of vibe.

1:19:38They started off, I bought like a few Victoria's Secret things, but then you can use that card anywhere. So then I used that card anywhere. The fee is not required. You signed up for it. You can call to cancel at any time. This fee is not a requirement. It is a program that you are on and you have lost$56.85 this year. So far, it is going to be$100 a single year that is gone and taken from you that could go towards debt, including this debt, which would help pay it off in, you know, 10 months. Not the account assure BS. Well, not 10 months. I'm talking about what you lose in a year. But it would speed up the process dramatically.

1:20:17Why do you have it? What's the point? They just threw it on. No, they asked you if you wanted to sign up, and you said yes. Come on. Yeah. Well, interest,$166. Now we're at like$4 ,800 for the year. $28.85 this last month, and$56.85 of fees this year. Minimum to payment,$40. And yes, maxed out. She would have spent on it, but there's really not much to spend on there. So good luck. 35.99 % interest. What are we doing? You just have some of the worst interest rate ever. You came on here to break records. And man, we're getting in terms of how many documents we have. Look at this. Look at this. Why did you borrow$400 at 7.5 %?

1:21:05What is this even for? That I used for rent because I was going to be short on rent. This is a balance assist loan agreement from Bank of America just to pay rent. What rent? Rent with your mom? Yes. That rent? So that you can go out and spend on Victoria's Secret in makeup and dumpsterie, which I guarantee you, by the way, we calculated your miscellaneous spending. And remember, we have more to go through. You spent like$2 ,500, right? Is that what it was? Misleading sports. 2 ,600. Going out to eat, 500. And yet you had to borrow 400? No, you spent$500 going out to eat. $500 going out to eat and you're spending$400 to pay rent?

1:21:45You. That is ridiculous. You are essentially paying 7.5 % interest just to go to McDonald's or wherever you go out to eat. That is what you are doing when you should be in there putting the fries in the bag to make more money. when was this? That was, I want to say May or June, beginning of May. It just happened. What happened that month? I don't know. I really don't know. I was just, I wasn't going to have the rent money. Well, you probably owe, I'm going to say about 200 bucks left. You got payments of like 135. Yeah. They split it up in three payments. So I owe 135. Yeah. But then you just, all of a sudden now you have to pay the 135 this month and we don't have enough for rent.

1:22:32So now we have to take on another loan just to do it. And you just go, go, go, go, go. Told you. Oh, my goodness. She lied. Guys, she's a liar. She's an actual bad person. That is impossible to take serious. This one wasn't for that. I already know what's happening. Well, what? On the tattoo. The first time you took this out was for a hand tattoo. Show me. Okay. It's pointless. Yeah. The first time you took this out. When was that then? 2022. Okay. Yeah, that was the very first time I ever. But are you taking this out monthly then? No, no. So they don't allow you to take it. You can take it out three times a year.

1:23:07Yes. And you do. I do. You've taken it out two times this year already and the year is only halfway over. What was the first time this year for? I think that was for a trip, like just to have extra cash. Animal, you have no respect for the dollar. You don't understand what debt is. You do not understand what interest is, what minimum the payments are.

1:23:34With this debt, there's no way you can afford a car above$10 ,000. What is this car? What is the car you have? A 2021 Honda Accord. That. How's the condition in miles? The miles are at like 4 ,200. Okay, not the worst condition. Pretty good. Okay,$12 ,229.38. minimum monthly payment$514.82 still 25 payments

1:24:08wait they caught you in another lie what's the other lie? I'm not understanding wait how many miles did you say was on it? like 42? 43? it's under 50 for sure I think you may have just misspoke when you said 4200 sorry yeah 42 ,000 sorry it's under 50 ,000 I'll give you credit for that one I think that was just a misspeak. That was, yeah. Okay, what do you think the car is worth? I want to say when I saw it, maybe$18 ,000. Trade in is about$19 ,773. So you actually have an equity position in this car. And in fact, what I would do is actually, yeah, trade it in. I wouldn't because of the interest.

1:24:44Okay, she's not willing to do anything. The interest rate. No, that I feel like is a good want and a good need. No, because here's the thing you actually, hear me out, hear me out. The thing is. All right, gummy bear. You know, what's a better interest rate than whatever interest rate this is? Zero. And if you trade this in, we save up a couple thousand dollars instead of getting a house, which is the most dumb thing. You can get a$10 ,000 car in cash, and it would be a good car. That's what my Jeep Cherokee was worth. I just gave it to my brother, but that's what it was approximately worth. Great car.

1:25:142019 Jeep Cherokee. Fantastic. Safe. Good. Reliable. You know, battery issues here and there, but that's fine. That's like a couple hundred dollar fix every few years. No. Yes, because that takes... Because that's a 0 % interest rate, but even more important is that brings you this$514 minimum payment, which by the way, you cannot afford in all this you've already done. Your budget's already broken. That takes that$514 that you can funnel towards the debt and pay off quicker. You can get$100 in a few years when you're in a better position. You do not get the luxury of having whatever you want right now.

1:25:50You have to do this. It is not an option. This is just financial sanity. I know. And if you're not willing to, if you're not willing to, this conversation is done because you're not going to do anything because this is the easiest thing you could do. This is free money. It's just the way I view it. I was like the interest rate is good. But you're going to be at zero. But like how many, how many like. No, no, no. The car breaks down. What is that going to be like? The same thing with this car. It just sounds scarier. If I'm being honest, it sounds scarier. I don't have like a rainy day fund if something goes wrong with that car.

1:26:20Something goes wrong with this car. It's under like warranty. Okay. Okay, so listen, even on a used car, you can purchase a warranty. I don't necessarily suggest so. That's my main fear. But if that's your big fear, there you go. I have a solution for you. Save up an extra couple thousand. And it gets you there. But listen, even at a low interest rate, we can use that when it comes to finessing versus paying it off early versus investing in the market. That's the end of the conversation. Right now, we're trying to get the minimum payment off your plate so you can funnel this towards other debt.

1:26:49So you can knock down your debt. If you want to get to a house, this is one of the things that you can use to accelerate that progress. Okay, so next,$1 ,255 in this checking account. It's definitely not the worst. I'm okay with that being the balance. It's a decent safety balance. So much money went out, though. So much money went out. Oh, my gosh. Okay, yeah. It all, fuck, all the money is. Earn and earn and Dave, Dave, Dave, earn and earn. Money line, money line, money line, money line, money line for days. This is insane. This is insane. Those are just the incomings. And then out, 3 Minute Express, Instacash Payment, Pure Heart Church, Society6.com, Chipotle, Total Wine and More, Amazon, Klarna, Chick-fil-A, DoorDash.

1:27:37She's DoorDashing right after making her Klarna. You're basically Klarna-ing, DoorDash is what you're honestly doing. Dave membership Apple reoccurring Uber Amazon affirm affirm affirm affirm affirm affirm Arizona debt of revenue yeah paying back taxes oh she owes taxes what the f***ing Grambling Pizzeria Arizona Department whatever this is all bull just look at it guys just look Just look. Tap on camera, take a look at this. This is all bullshit, man. What a pointless life you're living. You're not accomplishing anything. You're not getting anywhere. And you're trying to tell me you're trying to fix it?

1:28:26No, you're not. Shut the fuck up. You don't know what trying to fix it even means. You've never tried in your life. Netflix, Starbucks, In-N-Out, Starbucks, getting some BS, BS, BS, Klarna Forever 21, Starbucks, Disney Plus, Klarna Doll Kills, Sonic, Apple Bill, Chipotle BS, what are you stopping and getting into the gas station every day? Usually it's like a Red Bull a water, sippies You actual dumb tit BS, Dave BS, Klarna Airbnb BS, Apple Bills Church, Buffalo Exchange Instacash repayment, Texas Roadhouse Goodwill Klarna Coach, you're Klarna Coach? Yes. Oh, Animal. In-N-Out, Klarna, Kohl's, Chick-fil-A, BS, Chick-fil-A, BS, Whataburger, Wingstop, In-N-Out, BS, Subway, FourthWall.com.

1:29:23Isn't that just supporting creators and stuff? Yeah. You can't even support yourself. Shut the fuck. You can't. You are an animal. Apple, Amazon, Amazon, Amazon, Affirm, Affirm, Affirm, Affirm, Affirm, Affirm, Affirm. What are you? You are. And then, Planet Fitness, AT &T, earning, earning, earning, earning, earning, earning, earning. Coralief.com, Zelle, Zelle, earning, earning, earning, earning, earning, earning, earning, earning. This is a mess of a life. 34 cents in savings. Stellar. You're incredible. Maintenance fees just to have that savings. That's great. Life insurance? Yes. On who? On my cell?

1:30:10Guaranteed to who? Like, who's the beneficiary? Yeah. My mom and my brother. Okay. I guess, but you're paying into it? Yeah. What's the point? This doesn't make sense. That doesn't make sense for you in your life. I know. What's your monthly? On that one, it's 50 bucks. On that one, are there multiple? No, no, yeah, that is 50 bucks. Cal value is$891.

1:30:35Open your phone. The fact is, it's not that I don't want to make a budget. I would make you a budget. I would. But I just added up your minimum payments. It's your entire income. So that's not taking into account rent, food, blah, blah, blah, blah, blah. So it doesn't matter. The reality is, I mean, yeah, sign up for the budgeting app. Go through the educational programs, especially the budgeting program first, and then the debt program. Go through all those. You need to go make more income or go through bankruptcy, but change your behavior first before you do or else you'll end up right back here just like the credit card transfer, balance transfer.

1:31:12So there's those few options but at minimum you need to get a second job. Get rid of the car and that car payment gives you a little wiggle room but not after rent that all of a sudden you're down 500 there alone before we even talk about groceries. So right now you need to go bring an extra 1 ,000, 2 ,000 hours a month or you need to let all this go to default credit. You're not even considering getting a house. You're not considering getting a house regardless. Good luck. or change your behavior, go through bankruptcy, you're just so far in the hole that you're going to go out 60, 70, 80 hours a week to work just to even have this a chance because your debt minimum through payments alone with the cycle you've gotten yourself in is your income.

1:31:48That's before rent, food, anything else. So that's what I would recommend. You're going to have to take some extreme measures and then some work in your house beyond what you think you're worth or whatever that you're above or beneath. It is trying to ask your mom if your rent can be a little lower for a bit. That's not even what makes a difference here. Change your behavior going through bankruptcy. But house isn't even in the consideration for a minimum 10 years. Sorry. Hammer financial score. Join us in the post show. I'm going to call the boyfriend. I have a lot to tell him. Let me tell you.

1:32:29Join that hammer elite below. Let's get this hammer financial score. Okay, spending on a budget, overspend, 0 out of 10. Debt, no collections, but as bad as you can get without... Actually, she owes tax money, which is how much? It's like 130. 0 out of 10. Emergency fund, nothing in savings, 0 out of 10. Retirement, life insurance. At least you tried to do something. I'll give you a 1 out of 10 there. Real estate, 0 out of 10. Hammer financial score rounded up to 0.5 out of 10. This conversation is going to be your C, I already know it, so make sure you join Hammer Elite in the comments below and download the DollarWise budgeting app and take your free trial today.

1:33:01I'll see you in the post show. Listen, I got to tell you, your relationship with this lady is deeply concerning to me. She confessed to me that she would rather get on a mortgage with you because she's afraid of you leaving and it would be harder for you to leave. She is literally trying to debt trap you. Collusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. This next one's for all you CarMax shoppers who just want to buy a car your way. Want to check some cars out in person? Uh-huh. Want to look some more from your house?

1:33:40Okay. Want to pretend you know about engines? Nah, I'll just chat with CarMax online instead. Want to get pre-qualified from your couch? Woo! Want to get that car? A-S-A-P! You want to do it your way? Want to drive? CarMax. Thank you.