Girl Math Final Boss

23:38you just you just said all i do is side hustles i don't have an actual job if you were committing to one dude you could make any of these an actual job obviously the i mean yeah i could i could commit to more hours at the burrito place but i also don't that's not my passion in life is not rolling burritos my passion in life is you being able to pay your bills i mean yeah i would love to be i mean i do pay my bills my bills are paid i pay my bills my bills are paid you spent ten thousand five dollars last month majority of it is probably write-offs Are you broken? What the f*** are you talking about?

24:08I don't understand what you think is going on in this world. Money comes and goes and I'm trying to make it come more than it goes. Money comes and goes, but it only goes for you. But I have to do it. Okay, Dave Ramsey. What? You spent four times what you brought in. You spent four times what you brought in. What do you expect to happen with that? Where does that lead? I don't know. So why the f*** are you doing it? Listen, if you're making a small amount of money, you got to budget it more than anyone. $30 ,000 is hardly enough to live on. That's very low for a high cost of living area. So what the f***?

24:44How can you stretch that if you don't know where your damn money is going? I guarantee you did not know you spent$10 ,000 less. I did not. So how the f*** do you not know? Why are you not budgeting? I'm trying. I just don't know how. I don't know how? I don't know how. Everything that I've tried as far as how people have told me to budget. What have you tried? Well, at this point, I'm just trying to work my life away and consume all of the hours of the day with that because I'm not spending money. Tell me what you've tried budgeting. I've tried, you know, I've tried doing, setting money aside, but I don't have a whole lot of money to set aside because my bills have become so consuming of everything that I make that it's just, it takes over everything.

25:26I don't really like I this one I don't really know how to do a budget plan because everything I make goes to pay bills or for a business. You don't know where money goes. So how can you even say that if you don't budget to figure out where money goes? How can you even possibly say that? I mean, I've tried. I tried rocket money for a little bit and that it just was so confusing. What's your marketing around your nail tech? Social media. I've heard that you literally have no social media presence. Yeah, it's very small. But I'm I'm working on it. It's a new business. What the fuck is happening? Like, social media, that's my game.

26:02Has no social media presence. I mean, I can't pay for advertising. I can't afford that. So I'm trying to do a budget. You can't afford anything. The only thing you actually can afford, unfortunately, is going and getting a real job. What's your education? What's your background? What do you have? What can we do? So I am dual licensed in Florida. So I'm licensed as I can do nails and I'm licensed as an esthetician also. Oh, great. Okay. So two things that make no money. Okay. Wonderful. Great. That's fantastic. F*** me. Okay, so no college, right? Not a completed degree, no. How long did you go?

26:33Several years. For what? General education. I switched on and off. So just gen eds? I mean, I had... So the credit hours still exist. So you could go to a community college, hopefully get an associate's degree. But that costs money. Costs money, but listen, student loans might be worth it if it dramatically increases your income. You make the bottom half of the income ladder substantially. Like, you were not in a good place. Yeah. So is this a dual household income or is this just you? It's just me. Okay, then you're f***ed. I mean, there's no other way. This is not a livable situation in Melbourne.

27:02And yet you are working yourself to the bone in a completely insufficient fashion, though. You're not going to be able to survive. Yeah. You're not going to be able to do this long term. How much longer can you put this many hours a week into this work to make nothing? Not much. It's pretty miserable. And you're stuck into this lease for a f***ing year contractually, right? You signed it out in line? Yes. I bet you damn did. So tell me what the f*** your plan was going to be. Please tell me what your plan was. I want to assess it. Wing it. Okay. No, no, no. What was your plan? That's literally, I mean, I'm flying by the seat of my pants.

27:39I don't have an actual plan. I have no clue what I'm doing. And obviously that's very clear. But I'm trying to figure it out. You're just every day you just wander. You never think. you never think what you want to do you have no plan whatsoever you listen a lot of people on this show yes they're doing it wrong but they at least have an idea of a plan a concept of a plan some would say i mean i know where i want to be i would love like i have an idea of like the crowd and the clientele of people that i would love to get in with honestly i would really like to work with drag queens making nails for them and then i really am trying to get into the younger crowd for nails because a lot of what I do, a lot of the people I service are older.

28:21Yeah, but that's the people that don't have as much money. The people that are older don't have the money. Not a lot of people. And that was a big thing. How many drag queens are there? Oh, more than you think. Probably, but enough to sustain multiple clients a day indefinitely 365 days a year. I mean, how many drag queens do you personally know? Personally, one. Oh, ladies and gentlemen, this business is a thriving small business. Remember when there's like a statistic that 95 % of small businesses fail within the first year? This is what's considered in that statistic. But I'm not. The business is open.

28:56I haven't had to close. I'm sustaining it. What's your rent? For the business. I cover three. Oh, my household rent. $500 a month. You're fucking lucky. But even that with your income is unfortunately bad. Yeah. $500 should be a blessing of a rent. but$2 ,500 before she has to pay any of the self-employment stuff is still 20 % of your income. And how long is that going to last? When that rent's going to go up? When are you going to get out? So I actually live in a house with two of my friends. So that rent is just kind of controlled by them. You're not going to say the landlord's going to raise rent?

29:30They own the house. Your friends own the house. They own the house. You're beyond lucky. You're beyond lucky, man. You would not be able to do that if you were not being subsidized by your friends. Correct. I'd be homeless. What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best. I literally just got to note that she does not like her friends that are subsidizing her. She doesn't like them. She actually dislikes her friends that are literally subsidizing her entire life. This is great. This is how, what life are you living? Why do you not even like them? The people that are - It's not that I don't like them.

30:02I just don't love, I don't love the living situation. I love them as people. I don't love the living situation. She's backtracking. She's on camera now getting called out. She's backtracking. Oh, we love a mean girl that completely shits on the people that saved them. I don't love the living situation. What's the living situation? You getting subsidized living? What's the living situation, lady? I just don't like living with them. Okay. What is the median rent for a one bedroom in Melbourne? A lot more than$500. Dude, you're broken. What kind of entitlement complex do you have? Why do you not like living with them?

30:46I just... Tell me! I just don't. I don't do well with roommates. Why? Because you're a... No, because I like my personal space. Who the f*** doesn't? But everyone gets roommates. You are literally being blessed that they are not going to raise the rent. No, I know, and I appreciate that. You appreciate it? You literally hate them. The situation itself that I have put myself in having to be in that situation. But you're not working and not being an adult? I am working, first of all. Come on, you're doing hobbies. There's an income on paper. You're doing hobbies. I'm not doing hobbies. Yes, your nail saline is a hobby.

31:20Every business starts somewhere. Your business hasn't started. Your business is a failure. My business is two months old. Exactly. That's starting. And it should be zero months old because it is not working. Okay, well, if it was zero months old, I'd have less income. You have no marketing abilities. You go to a woman thing and no one's even there that is marketing the same kind of products and you didn't even bring anyone in. You're a failure. Median one bed rent in Melbourne, Florida,$1 ,310. Good the f*** luck. Good the f*** luck. And you hate them? You hate living with them? I don't hate them.

31:48Well, you dislike them. You don't even like them. Specifically what you told them.

31:58Uh-huh. 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. We 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.

32:34collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? Just for the next two weeks, you can try it for free. 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. Click 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! And you want to move away from your clientele you already have.

33:12I actually would like to move out of state. All right. Good the f***ing clock. What do you think your score is? Zero to ten, zero being the worst, ten being the best. Generously one. Why would you even be generous to yourself instead of realistic with yourself? That's what I would... Realistically zero. Yeah. If you want your financial score, take the assessment. It is free at CalebHammer.com. or the link in the description below. And if you don't want to be like a guest that shows up on financial audit, download the DollarWise budgeting app. Made it just for you guys. Made it just for myself as well.

33:41Take the free trial. 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. And sign up for DollarWise Central, the all-in-one program that is 80 % off where you get all of our educational programs and the premium version of the budgeting app, dollarwise.com. All right, let's get into this first one. Walmart? Walmart what? Walmart credit card? Is that what this is? No, it's a, that is a 401k account from when I worked for Walmart. Did you just pull out of your 401k? I'd close the account.

34:15Best decade of compound growth in your entire life.

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35:06And because of my debt to income ratio, I was not eligible for another auto loan. Even Uber and save for a while. Go get a real job instead of taking away your entire future. Uber one way we've looked because it's expensive for a bit. It's about$55 one way per job. $55, but you're throwing away your entire future. If I'm working three, four jobs a day, or even if I'm working two jobs a day, that's a$150 to$200 round trip just for me to go to work. I don't bring in enough to justify that. No, because you have to get another job. This is all leading up from your decisions. Listen, I am not saying you cannot get another car or make sacrifices to get it.

35:40But it is your choice that you are working jobs that is giving you no money. It is your choice. It's hard to get a job in that area. I mean, I tried. You haven't even tried to do anything. No, I did. What the fuck if you tried? Before I got. But you haven't marketed yourself very well because you have no experience that would relate to a real job. Even outside of my own business, even trying to get a job, literally doing anything, I'm not joking. I would come home and I would sit in my car in my driveway for hours on end. And I would put in, I'm not kidding, upwards of 100 job applications a day.

36:11Sitting in your car? Yeah, in the driveway before I got in the house. So obviously you are not doing very well applying to these jobs if you're just sitting in your car. You're mass applying instead of curating your resume. If you do not curate your resume, you are not getting a job interview in today's economy. But if I'm just looking at a part-time job, then I didn't feel like I genuinely needed to curate a resume. If I'm applying to McDonald's and I'm applying to like Burger King and Taco Bell and all those places. You have to curate a resume even on McDonald's. You know why? You know why? I'll tell you.

36:40Because if you're not curating it, that means your resume is likely for the jobs you want. And if your resume getting submitted to McDonald's is for the jobs you fucking want. But if they're not asking for a resume. No, no, no, no, no, no, no, you little tit. Then they're just going to see that you are only accepting that job for a temporary period. And you will immediately leave when a job you want opens up. If your resume submitting to a service job is suggesting you're going to leave immediately to get a different job, then why the would they hire you? Even when I was using a resume that had service experience on it, I still was getting no calls.

37:17I tried for months to get a new job. I don't believe the way. I believe you tried. I do not believe the way that you actually curated it specifically for them. I evidently disagree with what you're saying. I mean, there was service experience on there, but. It's not just service experience. It's the entirety of the resume, the skills that you're marketing on there. What you say your most recent thing is. Even what I do, even as a nail tech, what I do, that translates over because it's all customer service based. No, it's not about that, lady. It shows that you are likely going to try to get into nail tech again.

37:50So why would they hire you if you're only going to be there for a month? This is just simple strategy. How much did you pay for those eyelashes? A dollar, 25. Okay, thank goodness. And they look like it too. Thank you. Oh my. Only the finest for you, my dear. What are you talking about? I don't know. Less than 34 years until you're able to pull from these retirements penalty free. that$7 ,189.18 would have turned into following something like the S &P 500 $212 ,403. Well it wouldn't have done me any good that far down the line if I didn't have a car to sustain myself. But you not being able to get a car is by the choices you've led.

38:29By your inability to properly apply for other jobs. By you going into a career field that is honestly a little kind of overly competitive, overly saturated kind of bull. And you chose to do that instead of completing your college the way you were doing it with gen eds and going into a field that would have made more sense. This is an endless amount of decisions that had led to the consequences where you were forced to pull from your 401k. And I have less sympathy on it because you chose all those things that led you to that situation. I mean, I didn't necessarily choose to have to make that financial decision.

38:58I didn't want to. Did you not listen to anything I just said? I did not want to have to do that. Did you not just listen to anything I just said? No, I did. You made the choices to go into a career field that is overly saturated and would not make that much money. But I didn't know how oversaturated it was until I got into it. Are you kidding me? No. You have the inability to use Google. No, I do. But as an independent nail tech, I don't think you truly see how saturated the independent side of the business is outside of, you know, the standard. Independent. Didn't even need to go work for someone else.

39:24You made more money working for someone else. A standard salon that you see on every street corner. Those are terrible. Terrible what? The service. The service. Then go be good service. I am. um brought in 600 hours a month working okay but also it's one of those things that people in my area are a lot of what i have in the area that i live is retired older folks so for that money no they don't though that's the problem that's why i had a larger they have they that's why i had a larger clientele at the previous salon that i was at because that was a budget-friendly salon and well yes i don't want to i'm not doing nails for 25 dollars Good, then don't make money.

40:06Okay, I wouldn't make money. You're making$500. I wouldn't make money anyway because if I... Good, then you picked the wrong career field. If I am... Your turn, you make no money. You have no ability to talk on this. You don't get a turn. Oh, I do though because it's my business. Your business is a failure. Because I think I can speak on this and I'm more qualified. At the expense of how many other people helping you? It's me. I started just me. I didn't hire someone until six months in. Okay, that's fine. But how well were you doing up until you got more people on your team? $10 ,000 a month.

40:30Okay, well, was that how soon after you started? Immediately, almost. There's no shot you said day one and you made$10 ,000 a month. One month in. Okay, and that's my thing is I don't want to have to pull focus. Almost like she has no idea what she's talking about. I don't want to have to pull all of my attention away from the career and the business that I am building because this is something for me. From the hobby you want to do. It's not a hobby. It is. You make no money. It is a career. There are people who make money from it. You're not one of them. I'm two years in. Good. You should be working for someone else and building up a client list.

41:03But that's not what I want to do. So this leads me to having no sympathy. When your car breaks down and you're no longer financially able to go get another car. This was the choices you made for your hobby. Okay, but I have to have a car for any job. I have to be able to get to work. I agree. If you had a real job, you would have made more money and you could have saved up a fully funded emergency fund. I'm still looking for a new job. You're not applying correctly. We just went over this. If you're not willing to accept anything I said, then get the f*** off this show. Okay. the car situation is it was something unavoidable that is not something that I wanted to I'm not arguing against that I'm saying you made the choices that led up to you having to pull from your 401k the car breaking down unexpectedly okay she's incapable of listening she's an actual f***ing moron and I'm gonna move on I'm sorry are you like actually stupid?

41:48No. Are you incapable of hearing anything I just said? No. Yeah. No. Thank you. At least you admit it.

41:59I think you should slam him one more time I just don't understand how you are gonna No, I think your roommates probably hate living with you And I understand why your first boss fired you Extra value meals are back That means 10 tender juicy McNuggets And medium fries And a drink are just$8 Only at McDonald's For limited time only Prices and participation may vary Prices may be higher in Hawaii, Alaska, and California and for delivery. Now everything's out of your control and there's no personal responsibility. There is a lot that is out of my control, but I do take responsibility for what is in my control.

42:34I haven't heard once. The car, how am I supposed to control the car? The decisions leading up to it, I never argued that the car wouldn't have just broken. It is the decisions leading up to it, your career choices, your lack of staying at a job, your inability to keep on without getting fired, inability to - I can keep plenty of jobs. Inability to curate your resume to other jobs. Okay, that I will admit I'm not the greatest. I don't understand. Wow, one thing. She's willing to accept the one thing in her life. Okay. And what kind of car did you get by taking out from your 401k, facing penalties and getting taxed at your income?

43:11He had federal tax withheld 20%. He only received the$5 ,700 from the$7 ,100 you brought in. Great. Would have been worth a couple hundred thousand by the time you retired. Wonderful. full what did you get um it is a 2005 volkswagen good how much did i cost 5 000 good okay i accept i would have rather well never mind you can't because of you you don't have the job i was gonna say i'd rather take out a 401k loan but then that doesn't so i looked into taking out a loan on it but the loan balance available for me was only 3 000 yeah and that wouldn't have I wouldn't have had enough to pay for a car.

43:53Well, if you had a real job, you would have saved up money and you would have been able to do it. I'm trying to make it a real job. No, you're not. Yes, I am. That's why I'm putting so much into it because this is what I want. You're putting a ton of hours into your$6 an hour hobby. It will get better. No. It will. Says. Me. How? Because I am going to manifest it.

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45:26K, was there a loan on the other car that died? No. So I have a personal acquaintance actually who loaned me the money to pay off the loan to the bank so that I can get rid of the car. Right. Right. Right. Well, I couldn't do anything. Remember when your debt to income and you couldn't borrow? That also would have been solved if he had a real job as well. Yeah. Instead of your bull. You're right. Okay, Citi. What's going on with this card, lady? Reminder,$10 ,000 spent in the last month. That is majority used for my business expenses. Citi double cash? It's not even a business credit card. Nope.

46:06Harder to separate. Business expenses? Yeah, let's fucking find out. Everything's a business expense. That's not how that works. But also, there was no spending on here, so I don't know. It's because it's maxed out. Oh, it's maxed out. Okay, great. So$4 ,174.20 is owed on this. Dude, why do this to yourself? $153 is your minimum payment and 36 cents.

46:38$111.36 of interest occurred in the last month. How long does this take to pay off? If you make minimum monthly payments without any purchases, which I assume when you have the ability to make a purchase on this, you will again. How long does this take to pay off? Probably a couple years. Okay, 15. Okay. I mean, I have no words for that. I spent it. I don't, I I needed the stuff for the business. 41 years old. Yeah. For the business. You said you spent$2 ,000. There's$4 ,170. No, I said I spent several thousand dollars. How much was that one time cost? Several thousand dollars. Okay, I'm going to f***ing die.

47:18That's wonderful. Didn't we narrow it down to two? You spent$4 ,000 getting this up and running? I spent more than that, but it's just not all on that card. How much did you spend then? How much? I couldn't give you an exact number. Give me the f***ing best guess. Probably$6 ,000. Oh, you're dead. You're dead. There's no fucking way. Are you kidding me? That's an entire year's...

47:44That takes a year, and then you said you have to do it again because it only lasts a year. So you'll never make a profit. Well, okay, but it's not... No, this is not a business officially. Officially lined down, this is not a business. Bulk supply up front. So, like, okay, for me to buy furniture and decor and everything to get the business... Furniture and decor? what is she who is she do you want to go somewhere for a service that is supposed to be relaxing and and you go somewhere and it's just a white wall doctor's office no you go and get a bucket of paint lady I did it was$75 there you go instead of$6 ,000 but I also had to get stuff I had to get decor for the walls and I had to get a desk some of it is used furniture some of it is not $6 ,000 unacceptable unacceptable unacceptable unacceptable unacceptable unacceptable a new piece of furniture unacceptable equitable almost to buying used in the area unacceptable no you don't buy something you just can't afford this is i mean i afforded it somehow you didn't it's a crew interest don't be a dumb but so i had to buy oh okay so but okay but like i won't have to buy furniture again a lot of my you will though you'll want it you'll want to upgrade it i'm sure i'm sure you know what's really interesting You know what's really interesting?

48:59This decked out place that needs to look cozy and all this stuff brings in$500 a month. So what an investment. What an incredible investor you are. Manage my money, please. I will. This episode is brought to you by State Farm. Listening to this podcast, smart move. Being financially savvy, smart move. Another smart move? Having State Farm help you create a competitive price when you choose to bundle home and auto. bundling just another way to save with the personal price plan like a good neighbor state farm is there prices are based on rating plans that vary by state coverage options are selected by the customer availability amount of discounts and savings and eligibility vary by state um no but like i i won't have to buy a new nail desk i won't have to buy a new pedicure chair i won't have to buy a new you know but like she's but okay but like nail polishes you only go through so much and stuff like that.

49:55It's not super expensive. So far,$500. So this year so far, you already lost a month's worth of income. Add that onto the purchase that we're putting on this car. This is a 13 month thing. 13 months of your income in order to get this up and running.

50:1029.99 % interest rate. Good luck. Good luck. I just, I don't even know, man. What the f***? What is wrong with her? Colton just told me the salon offered to sell her their tools, but she said, I'd rather just get new. Because the cost that they were asking for used tools, like heavily used tools. They'd bargain them down if they were high. I tried, but it was, it's literally, okay. How much would you save total? A dollar or two. Per item or the whole thing? I'm for, okay. First of all, I don't trust you. No. Based on everything you've talked about. For me to buy used tools that were not in. Here's a direct quote from you.

50:50Were hardly in usable condition. I have a direct quote from you. that you bought all new nail polishes because the old salon stuff had, quote, had bad energy, unquote. Nail polishes, no, because the nail polishes were not up for sale. But as far as my tools and stuff like that, yes, I did buy new ones. But those are also something you have to - Because, quote, had bad energy, unquote. Yeah, because I didn't want to bring any of that s*** with me. What? I didn't like the energy in there. I didn't like the - Oh, s***. I wanted to, I wanted a clean slate. I wanted a fresh start. And in my mind, if that meant spending a couple extra dollars, then it was worth it to me.

51:29No, literally worth was not. No, don't use the word worth. It was worth it to me. No, it wasn't. Mathematically, no. Personally, you. Well, I girl mashed the hell out of it and it made sense to me in the moment. Okay, you're going to make everyone hate women. You're going to make everyone hate women if girl math immediately. Do you think people don't already hate women? It's 50 % of the world. What are you talking about? Okay, well, majority of the world hates women anyway. Women hate, I love women. Big fan, personally. You're one of the few, I guess. Give me all of them. Clearly not all of them, because half of us fuck like this.

52:09Well, that's you. You just said girl math. I don't understand why bring to your entire gender this negative connotation that you're unable to manage money. why do that to yourself? Because that's how everybody else already looks at it. Women.

52:28No, you're setting it. I mean, yeah, you can look at it. I did the math and it was piss poor math and that's fine. And I'm sure someone's going to turn around and say, oh, well, that's just the girl math for you. Financials are not my strong suit and I'm very aware of that. Obviously, but there's so much information out there. And yes, of course, we have a paid version that curates it all makes it much easier to go through and provides good educational services. And we give you that for free. We'll give you DollarWise Central for free. But either way, out there, if you put in the extra work to organize it yourself and try to determine what's the best sources, you could have figured it out.

53:03But I have tried. And I mean, that's I'm but you haven't been able to tell me what you've tried. OK, so the best version of a quote unquote budget that I can tell you that I've done for myself is once a month, I'll sit down and I'll go through and I'll write down my expenses either on paper and Expenses that have happened or up and coming expenses? No, like current, like all of my credit, you know, all of my credit card debt, all of my monthly bills. So whatever I have to pay on a monthly basis. What's your intent with that? So you write it down and then you just leave it? To just see. Okay, so what does that achieve?

53:32What does that achieve? I guess it just, it more so gives me an idea of what I'm, what is going to come out of my pocket this month for expenses that I cannot avoid. 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. First, visit PHRMA.org slash middlemen. And kind of give me an idea of, okay, where do I need to be financially bringing in money to be able to make sure I can keep myself at least afloat for this month?

54:20Well, I'll tell you what's a dumbass budget. Going to a big beauty expo in Orlando where you bought your suite mate's ticket as well. You spent around$800 in total and called it a, quote, a business promotion, unquote. I mean, it is a business expense. It is a write-off. You don't have any money to write off. You already overspent everything you're going to make this year. Yeah. You're not going to go all of a sudden. You think if you write off beyond zero, the government just gives you money. What do you think happens? No. So what is the point? What do you think happens here? You need money to pay your bills.

54:54But you have to spend money to make money in a business standpoint. You do. The collapse of the American empire. What is going on with IHG? So that card is also pretty much maxed out. For what? I put most of my travel expenses on there. Why the f*** are you traveling? You make no money. You make no f***ing money. Why are you traveling? Who are you? $6 ,272.59 on here. Yeah, maxed out. $205 minimum payment. What the f*** is your travel? So, I mean, business trips. your business is nothing your business is nothing my business is not nothing first of all my business is not nothing it means something to me I don't give a f*** that means nothing that is a joke your business brings in $6 ,000 a year shut the f*** up that's a lemonade stand shut up that means something to me who gives a f*** but that is also expenses for trips home to go see family.

56:02Where's family? Illinois and Missouri. Then don't be in Florida. I don't know what to tell you. Okay, but financially, I can't leave Florida at this point. Financially, you can't stay in Florida. Well, I am hoping within the next year to be able to move back home. To where? Where is back home specifically? Back home is Illinois, but I'm probably looking closer to the Missouri side because I live right on the river. What is that, St. Louis? Yeah, general area, yeah. A declining city? Outside the city. I'm not going to go downtown, but the outskirts. No, I'm not talking about just downtown. The metro area has a declining population.

56:36I would disagree. You would disagree? They've had a boom in certain areas over there. Huh? They've had a boom in certain areas over there. I'm sure a couple suburbs specifically, but the entire metro area. I mean, no, but you look at like Chesterfield, St. Charles, O 'Fallon, St. Peter's, all of those areas are growing. I mean, even my hometown is growing. Okay, St. Louis is gone from 1990, 396 ,000 to 281 ,000. Shut the f*** up. I mean, yeah, if you're looking at St. Louis specifically, I mean, it's a violent city. People don't want to live there anymore, but there are still people coming to the outskirts and the surrounding areas of that.

57:19St. Louis in and of itself is not great, especially when you're, I mean, I grew up 30 minutes south of East St. Louis. It's one of the most dangerous cities in America. But obviously people aren't moving to East St. Louis, but they're still moving to the surrounding areas. Listen, I'm not saying people aren't going to move in, but either way, if we're in a declining city, is that where we're setting up a business? At least you can live for free with the family, but that doesn't make sense. I don't have family that I can live with. This would be an individual expense. Why? You're moving back for family, right?

57:48To be closer to family, but I don't per se have family that I can move in with. What do you mean? No one's willing to let you? No. Why? Family drama. Then why do you want to be close to them anyway? Because I do still have family that I'm close to. And while financially, they may not agree with the things that I've been doing. Well, because you're financially like a child. I mean, it's not even that. It's things outside of that as well that have happened or been said. Tell me. Just. No, tell me. My mom likes to run her mouth. Yeah. And what does she disagree with? And what does she said? She's just not a good person.

58:21Yeah. Tell me. That's something I'd really prefer not to get super into. That's fine. Then what the you're talking about? You said there's family members that disagree with your finances. I mean, yeah, there are family members who disagree with my finances. They don't think that I should be doing what I'm doing. They think that I need to find a quote unquote big girl job. Objectively. But also, and this is where I struggle with that because my family also very, has the mentality of prove people wrong. And so while yes, everybody. Well, you're proving everyone right. But I'm working towards proving them wrong.

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59:26true and then what would your plan be when you're there money work probably get probably go back to serving where i used to serve because i made really good money there and full backwards though you're not trying to but then i would still i would probably flip the script and i would probably go back to serving full-time are you are you anti getting into a job industry that's actually growing in the united states or anything because my grandfather thinks I need to become a truck driver. Well, sure, that's good income. That's good income. I'm sure it is, but I don't want to do that. If you don't want to do that, that's fine.

59:57I mean, I'm not going to force you to do that. That's why I left my last good job because I just, I was tired of traveling. What was your last good job? I worked for Walmart. I was a project manager for store remodels. So I traveled around. Did you make? Starting$50 ,000 a year when I left$51 ,000. Plus benefits. You transfer that skills to another job, though. So I have. And that I have. have. Even before I left that job, I tried applying for other jobs in project management, in construction fields, even within Walmart. I've had a hard time finding, getting a job with them again. Well, you quit.

1:00:29Correct. A lot of companies aren't willing to hire people who've quit. It's a little different when I worked for home office, but trying to get. It still worked for Walmart. A lot of companies have policies against hiring people that quit. They will hire people back. They do all the time. Okay. Well, a lot of companies don't, and maybe hiring manager isn't that you're looking at. I don't know. Okay, so let's see. Growing industries in the St. Louis metro. Software development has gone up 18%. Data science up 22%. Cyber security up 32%. Advanced manufacturing areas. Yeah, you might have to work in manufacturing, supply chain management potentially.

1:01:03Healthcare life sciences. Healthcare is usually pretty good to get into. Logistics and trade transportation. We know you don't want to do that. And leisure and hospitality. Well, that's what you're talking about going into. Those are the largest industries. Okay. So IHG takes 18 years to pay off. Yeah. 1 ,000 hours of interest this year so far. Travel for business on here. Well, now we've lost in total with interest accrued in the business expenditure, 6 to 7, 7 ,500 hours this year. Yeah. 7 ,500 hours. By the way, the 500 hours you make, that takes 15 years just to recoup that cost. And you'll be redoing a lot of those costs when supplies are done.

1:01:43Yeah. And you have to re-up them. Okay, Capital One, what's going on with this card? Also close to maxed out. That card, I had to split the payment for my car repairs between two cards. So that card holds - A repair for your last car or a new car? For my last car. Okay, how's your current car doing? Fine. Miles? I haven't had$82 ,000. Okay, foreign car is a little more expensive for repairs. $82 ,000 is great for that age. For a 20-year-old car, it is. Well, and so that was the thing too. with everything that happened with my previous car. I went into purchasing this new car with a little more, I wasn't so much wearing the rose colored glasses of the car industry.

1:02:22I have some friends who run a car group based around Volkswagen. So I bought the car with the intention or with the knowledge of, I have a lot of people at my, I don't want to say at my dispense, but at any given moment who can help me with repairs on the car. So who, Okay, so somebody in your life bailed you out of the last debt owed on the last car, but you still have debt hanging around for that anyway, because this was all repairs on the last car. Yeah, and I'm still paying them for that as well. Ridiculous. 17 years to pay this off. Yeah. $500 in interest this year so far. Listen, who are the family members that are against what you're doing with your money?

1:03:02What's your relationship with them? And how many? And what are those conversations? Like I said, you know, my grandfather has told me that I should become a truck driver. I don't know why he's hyper-centered in one industry specifically, but you should get a better job. My step-uncle is in that industry and he knows what he makes and all of that. Yeah, it's a great job, but I just want you to get into a good job. Yeah. You're talking about nothing that meant anything. So, yeah. I was explaining it. I don't care. Okay. Don't ask. No, I didn't need the long-winded uncle, uncle, uncle. I just said, who's doing it?

1:03:34You said grandpa. I didn't need to know uncle makes money. We all know truck drivers make money. Yeah. I just want you to get into an adult job. That is one option. If you don't want to do that, that's okay. We're not going to pressure you to get into that job. Okay. Who else? And what's the conversation? My grandma for a little while was very on edge with it. I think because she was having conversations with my grandpa about it, but she has since flipped a script and she's very on my side about it now. She's a dumbass. She be careful with that. What? Does she have dementia? She is dying. Well, okay.

1:04:06And she does have dementia. Well, then why is she setting up her grandchild for failure? Because she wants to support me. But she's not. It's enablement. I think she sees the potential in what I'm doing. And she is proud of the fact that I have taken the step to build something for myself. It's so cold-hearted. I know this sounds so cold-hearted. And listen, just because there's the sympathy of the fact that she's approaching end of life, and that's really sad, and I am sympathetic, and that's horrible. and I would not wish that upon anyone does not mean she should support you destroying your life.

1:04:40But I don't feel like that's fair to say that everybody also should just shit on me and say, you know, what you're doing is stupid and you need to give it up. But that's real. But then how would any business venture start then? No, no, no. I told you how to do this in a proper way. You're not willing to do that. I'm not saying you can't be on Nail Tech. I said you need to put in the work with other people and build up clients, not immediately go into your own business and spend so far$7 ,500 to make$500 a month. But there's not a salon in the area that I am in that I am willing to do that to. Then you go to a different area.

1:05:10But I can't leave. That you're not willing to. You said willing. Yes, because I'm not willing to take a pay cut to do that because again - Pay cut, you make$500. Okay, but that's the thing. That's what I was trying to say earlier is even most of the girls that I went to school with who work in those said salons either don't work there anymore because the pay was too low or we're still having to work two and three other jobs. Then here's the reality. Because the income is not enough. Then here's the reality. I get that. You don't need to finish the sentence so everyone knows what you're going to say.

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1:06:35then clearly this industry in that area sucks and you shouldn't be doing it correct but i'm in it and i don't know how to get out of it at this point by stopping eat the loss on the lease and go get another job but it's not even the least how do i eat the loss on everything else that i bought for you just have to this is a oops i that mistake that does this is not a sunk cost this is not a sunk cost you don't immediately have to try to buy your way out of it it still It takes 14 months with what you're doing. And then by then you're going to have to spend more money just to sustain what you're trying to do anyway, because you'll re-up your lease and you'll have to buy more supplies by then anyway.

1:07:09Like, I'm sorry. Do you even enjoy this? I do. I absolutely love it. Well, at least you have that. But the fact is, if literally every other salon is in, you're unable to work there because no one makes money, then this is not an area where this industry works. And that means then you can't do it. You're not going to go into an industry in an area where all techs that are barely even making much money are on the cheap and you're going to go in and be this high level one. No one's going to pay for that. Obviously, the market is not demanding that in that area. And I'm sorry. But there are in the area.

1:07:39Just because your grandma's in a sad situation doesn't all of a sudden make that valid. That's fair. But also, I don't think it's unfair to say that nobody should support me in what I'm doing. No, no, no. Do you not understand what support is? oftentimes supporting people making wrong decisions is telling them they're making wrong decisions. No, I know that there's a hard truth behind it, but I'm also, but what I'm saying is I don't think everybody should look at me and just outright say what you're doing is, and what you're doing is, right, but it has to start somewhere. No, and I told you how to start it in that area is clearly not an area where it can be started.

1:08:11Okay, and I will keep that in mind, but at least for a year, you started two months ago. after that is said and done i mean i don't i i don't know i don't know what you want me to do i'm not gonna bail on a business and i'm not gonna i'm not gonna leave it on someone else's shoulders someone else's shoulders still pay your rent but we need to get you in a better career field i'll gift you a course career certification it's great for getting into a different career field i'll get to that i'll gift you a fizz card as well we'll get you on that it's a debit card that builds credit i'll even get you on weeble now that you pulled from your retirement you better start investing.

1:08:47So I'll get you those sign-up bonuses as well. But for f***ing sake, man. I like the idea of moving to St. Louis. It's definitely a cheaper area for sure. It also means cost of living is lower, which means you make less. But, honestly, you'll make more doing anything. Literally doing anything else. You have a strange relationship with your family anyway, right? Why fully do we want to move to St. Louis specifically? Because my grandmother's up there. And for how much longer? That's the hard part. I just went up and visited her recently and she's not she's not doing terrible, but she's not doing great.

1:09:24And again, it is sad. And I do have sympathy for that. Yeah. It is not an excuse to continue doing something that is damaging your life. No, no. But I think the idea behind it was was to build something for myself that if it's going to fail, it's going to fail on me. Nobody else can take it away from me. It's mine. I'm OK with a failure, but you put seven thousand five hundred dollars in plus a yearly locked in lease for this. This is damaging beyond damaging. You pulled out a 401k to buy a car because you never set yourself up for success and had money. It's more than just that. This is more damaging than you just did something and it failed.

1:09:59You're going to be paying forever from the lack of retirement, from paying off debt, to paying off whoever lent you that money. Listen, to paying on the lease that you got. You'll f*** your credit if you don't pay on these things. Yeah. And I'm sure that lease is tied to personal assets in some way whatsoever. I don't know, lean on something, maybe. You usually don't pay a lease in the commercial world. They can come after you in personal assets. So even though this is a more interesting situation with this commercial space, listen, again, and I don't think they should necessarily bully you. However, I have a feeling that they just tell you the hard truth.

1:10:34And because you're you, and based on everything you've said about other jobs, you think it's bullying, even though they're just saying, yo, this isn't working, you need to try something different. I don't think it's bullying, but I don't think it's fair to completely tell me that I have to give up something that I've worked so hard for. It's less give up. You can do it on the side as a side hustle while you build it up while doing something more productive. But that's the hard thing. And, you know, if I do take my grandfather's advice and I go into the trucking industry. You don't do the trucking.

1:10:59But what I'm saying is if to me, it doesn't make sense to give up the focus on that, because if I'm not focusing on it, I'm not building it. You're making six hours an hour. I don't care. You do it on the side. You build up the clientele. And if it ever, again, even though the YouTube thing and this business took off a little quicker, as we explained earlier, than a lot of businesses, I still didn't quit my job until I knew it would at least be sustainable multiple months in a row. That's why I work so many of them. No, you quit your job and you went off on your own. It is not the same thing. It is not a similar situation.

1:11:38You're out there killing yourself in order to make$30 ,000 a year. It's not working. Yeah. I agree. I mean, I agree with that. You're probably on government-subsidized health insurance, aren't you? I don't have health insurance. Okay, well, that's dangerous. Your health insurance would honestly be free with your money through the affordable care system. I think I've looked through it and I didn't qualify for it. I don't know. Maybe I filled it out wrong. I'm not sure. Okay. I don't know about that. Okay, so Capital One. Is this the same Capital One I was just doing or is this a new one? No, I have two Capital One cards.

1:12:10Oh, yeah. This is a Quicksilver. So what's going on with this? So that one also is the other portion of the vehicle repair payment. Good death. So you're just paying on this past vehicle permanently forever. Yeah. $2 ,623.99. Now, I'm a little confused. A lot of the places that you can go to get car repairs usually have like a 0 % interest thing instead of opening a new credit card and putting it on this. I wasn't offered that. Did you apply? I went to a dealership. It was never even mentioned. I would go somewhere else. I don't know. I couldn't take the car anywhere else. They had already done the work on it and I didn't really have a choice.

1:12:44So, okay. So the car went in for one issue and it turned into basically rebuilding the entire engine. And it was just one thing after another, after another to try it. Did you talk to anyone in your family? No. Well, you should have asked for his advice. No one would recommend putting this much money, especially on a credit card for a car repair for a car that's not going to last. Well, so the intention. So you build an engine? The intention was that these repairs were going to fix the vehicle. And I do know. I know what the intention was. But and then it turned into, OK, well, now it needs this.

1:13:16And I'd already paid this. It was like 60 to$6 ,300 up front for the initial repairs on the vehicle. You know, it's a better way to repair your life. Coming on Financial Audit. Come on to Financial Audit at CaitlinHammer.com. Social play. Continue. So, you know, I took it in and I had explained to them because they had asked me, hey, are you interested in trading the vehicle at all? And I said yes. And outside of that initial them asking me, it was never brought up again. They had my vehicle from October 7th of last year up until about a month and a half ago. Okay, so you have$2 ,623.99 on this with a minimum monthly payment of$93.

1:13:55Also takes 17 years to pay off. Oh, we've had a late fee this year so far. How many? One. Okay. Why? I think it was a bounced balance. I tried to pay it and I didn't have enough. Get a f***ing job! I have several. I have at least one real job on paper, according to you. Yeah, but you say if I work 20 hours a week in it. Well, things have been hectic lately and I've not been able to pick up. Like I just said, I went out of town to go see my grandma who's dying. Which I can empathize with. But again, you set yourself up for this situation. I understand that. All the choices you made led to this.

1:14:31I understand that. I'm not yelling about the car breaking I'm not yelling about your grandma dying it is the financial choices you made that set up your inability to be able to afford something like that I mean I do know that I do have some poor financial choices but I also I don't think that I should totally miss out on life and the things that it has to offer I didn't say that but I'm fucking criticizing you for what you've done leading up to it and your inability to change it which means the next time an emergency happens which they always do You will also, again, destroy yourself. Well, an emergency better not happen because I don't have anything to pay for it.

1:15:06Your grandma will die at some point. Hopefully it's in the next 20 years. Well, I do have a funeral coming up that I am going to have to go out of town for. There you go. Your grandpa will die. Your parents will die. Everyone will die. You will die. Okay. So that is something that is going to happen and you need to be able to prepare for that. And that will be a travel expense that I'm not going to say I don't want you to do. That's not true. But if you continue your financial mismanagement, every time something like that hits, you're going to permanently f*** yourself even more. Yeah. Okay. You also want to go on a warped tour soon with your boyfriend?

1:15:38I don't even know what that is. It's a music festival. I also did a, it's a music festival. F*** you, you're not going. Also, why don't you live with your boyfriend? We're not there yet. Oh, okay. Pretty fresh? Yeah. Okay. Well, he can pay for your f***ing spending at least, right? He could, but I'm not going to ask him to. He doesn't pay when you guys go out to eat? I mean, yeah, he pays for things, but I'm not going to ask him to pay for stuff like that. How many of you guys go out to eat together? He lives out of state. So he's back up in the St. Louis area. So I don't see him very often. So that's another travel expense.

1:16:09Great. And that card's at 29%. Got with love with an Ulta beauty card. What's going on with this? See you're wearing a lot of it.

1:16:23Makeup, skincare, personal care items. $491.71 with$13.50 of interest accruing with a$30 minimum monthly payment. $80 this year so far. And you're going on a trip to San Diego? That is not a dying grandmother. No, it's not, but that was something that was already planned and booked and paid for before most of this went downhill. Late last year. F*** you. You weren't making money then either. 31.24%. That is so stupid. What a moronic way to live life. I will not accept it. But to be fair, that trip, that trip, that trip. I have another dying grandma in San Diego. No. So then no, there is no to be fair.

1:17:03It is a girl's trip. It is not a necessary trip. I don't give a f***. Hotel is not paid for. It is booked with points. So that is not a cost that I am in. You've lost more than that in interest. I know for a fact. So don't points me. Well, no, that was hotel points from when I traveled for work previously. That was points earned through hotel. What else? What else? To be fair. there's not really anything else that I am paying for on this trip. You will spend money while you're there. I know for a fact. Stuff like that. Everybody else has already agreed they're covering the rental car because I've covered the hotel.

1:17:36I paid for my flight, yes, but I didn't have my... You covered everyone else's hotel with the points? Yes. It's just one room. It's one big room for everybody. from paying from others when you do have to go visit. Correct. For funerals and whatnot. Correct. Well, I didn't pay for it. You will spend money while you're there. So this is disgusting. This is disgusting. and you make no money and you say, well, I have to pull out of my 401k to get a car. And then you go to San Diego. I mean, I'm buying a car is a little different than spending$200 on a trip. That's what I'm saying. And yet you still are.

1:18:06One's a necessity. One's not. You're choosing the not. And then all of a sudden you have to damage your retirement in order to afford it. Because all you do is just live fun. So I don't want to. Okay. But in my mind. 31.24 % interest rate on the Ulta. The plane ticket I bought. My mind is broken. I don't give a fuck. We'll go back to the whole girl math bullshit. That was the plane ticket to San Diego was paid for by my plasma donations. So that it's great. Plasma donations could have gone towards paying for a car. So I don't care. Shut the up. Oh, my gosh, you're broken. Is that all your debt?

1:18:39I think that's your debt. You got$16 ,827. You don't have student loans from your endless schooling you did. I don't have student loans that was paid for out of a college. Now, what about the loan to the person that that's a 70 for the for the car? $500. Great! I'm going to say family. I don't know, but either way,$7 ,500? Do you have an agreed upon monthly payment? $250. Great! Is there interest? No. You're lucky on that. That person must love you. Yes. Well, let's get involved besides just your grandparents, because you made it sound like a lot more people have an opinion on your failed business.

1:19:14I mean, I'm sure a lot of people have an opinion on my failed business. But talk to you about it, I mean, mostly just family members. I mean, who? I mean, my aunt, my uncle, my, my, I mean, I have a lot of them. My aunts and uncles, my grandparents, my, you know, I'm sure my parents wouldn't look at what I'm doing and be super proud of it, but they wouldn't look at me and say they're proud of anything I've done. So that's a little different. Well, I mean, what have you accomplished? I mean, I. Not to be rude, but. I mean, it may not amount to much, but I mean. If you want them to be proud of something, what have you done for them to be proud of?

1:19:47I mean, I don't care if they're proud of me or not. Well, I know, but you brought up the point. No, I know. But I mean, it's mean for them to say it. I wouldn't recommend they say, hey, we're not proud of you. Like, that's kind of, I mean, whatever. But for what it's worth, what can you show that they would be proud of? I mean, it may not be profitable. It may not be doing very well right now. But I am, I mean, I am truly working and trying to figure out ways to make the business more profitable. Anyone can go not make money. You want someone to be proud of that? I don't know. No, but. That doesn't make sense.

1:20:13I mean, I'm, I'm working on building something for myself by myself. She doesn't get it. $212 in her checking account. So thank goodness we're going to f***ing Domino's. Going in and getting some bulls*** at McDonald's. Long Dodgers Vieira Restaurant. Burger King. Bread. Beard Octane Collister. Going to the pub. American Nails. Good. She spent$60 on nails. That was supplies that I bought at the beauty show. And so was Beard Octane. Bonas Oblicity. Beauty and Body Works. All of that. Dragon Vape and Smoke. Going in and getting some bull. vape and smoke? What? Part of that, I do vape. What is it?

1:20:54Just vape. How much? I maybe go through one a month. That cost is actually split between me and one other person. I do purchase for someone else when I go, and then they just pay me back cash. Well, sounds like your funeral is the one everyone's going to be going to sooner. Yeah. At least you don't have to worry about your debt by then. Someone else's problem at that point, isn't it? Okay. $112 in this one. It started with$14 ,000 and ended with$112 ,000. What the f*** is happening here? That would be a, I believe that's my savings account. It was at$14 ,000? Mm-hmm. How did it go down? Um, I...

1:21:27Well, actually, let's find the f*** out. First of all, how'd you get$14 ,000? I had a really good savings, and I had myself set up really well when I worked for Walmart, but... So cool from retirement and emergency fund? F*** off. Welcome to Rockville. That was a music festival. Music Festival, Music Festival, Music Festival, Music Festival, Chili's, Chick-fil-A, Starbucks, Chick-fil-A, Canva, Cash App, Canva to make something that is never posted on social media. ATM would draw$300, ATM would draw$650, ATM would draw$650, ATM would draw$650, ATM would draw$650,$650,$650,$650,$650. Where the f*** did that all go?

1:22:02The car. Oh, f***, man. I paid cash for the car. Apple bill, going in and getting some bulls***, some chick for f***ing light. I think that's actually a checking account, not my savings account. Apple bill, going and getting some BS, Peacock Premium. What the f*** for? Apple bill, Apple Store, Orlando. F*** off. My phone. Amazon, I don't care. Going and getting some BS, Florida Key Lime, Playlandia Brewing, all to drain our savings for fun, fun, fun. Come on, the car thing, I can get it. That's what an emergency fund is for. But then you had so much fun on there and you drained your savings. Come on, no sympathy.

1:22:38Pull out your f***ing phone. Pull out your phone right now. right now from 14 ,000 or whatever to$112 where we got$74 in savings. You kill me now. What a joke. Subscriptions on Apple. We got iCloud Plus and SiriusXM. Did have Tinder. Expired March 21st. So this relationship is fresh. Or were you swiping while you were dating? No, actually. No, no, no, no, no, no, no. It's not like that. That actually. Very defensive. The Tinder, no, that Tinder premium was for something that my friends and I were trying to look into and I paid for it. What? Yeah. Yeah, you're going to explain that a bit more. Yeah.

1:23:20So we had found someone on there and then couldn't find them again. And so we decided it would be a good idea to just pay for the premium so I could get back to the person. And why didn't they, your friends, who you were collaborating with, what was on your phone? The account. they could log in on their phone. It was already pulled up on mine and we were already doing all of this, but it was literally, it was charged once and then canceled immediately.

1:23:51Okay. The SiriusXM is a free... They're calling out your body language and covering your mouth and stuff. Right now, by the way. Oh, good. 23 rings in our cart on Amazon.

1:24:04Good. We got, oh, hair extensions. Oh, a turbo fan. Oh, a photo stick thumb drive. Some tops, keyboard and mouse for sale signs. Some shirts and shirts and push up bras. Listen, if you got them, you got them. If you don't, don't, don't. Then you don't need to fake show off. Sticky bra and visible silicone cream. This is a shared Amazon account. Let me be very clear on that. With who? One of my friends. It's her account. Always the friends. No, it really is. Pro gaming mouse. Endless, chunky, clunky rings and dynamite set. And we know he had Amazon purchases on there. So 40-piece leopard skin party napkins.

1:24:49What the f***? It's her for her birthday. Hair f***ing lace thing. All the other ones he didn't say were her. Fake cigarettes. No, those are not. Umbrella sling, crown gold necklace, more jewelry, jewelry, jewelry. The necklaces are mine. The watch band is mine. It's right there. I see f***ing that. Yeah, we can't afford to pay bills. Guys, I had to pull from my 401k in order to get a car, but let me go ahead and just spend all this money on jewelry. Shut the f*** up. But if you look at a lot of that stuff, it was returned. The phone adapter... Shut the f*** up. Asus ROG Railcar. Shut the f*** up.

1:25:23The stuff that I buy, a lot of what I buy is a business expense. You want to f***ing die? No? Quiet. I will say, Tinder is officially deleted from the phone. Yeah, it's not. Yeah. I don't use it. I don't. And how do you keep track of these write-offs? I keep my receipts. I have a couple different little folder things that I put all my receipts in. A couple different ones? Yeah, like I keep them around. I have one in my work bag, one in my car. So then at the end of the year, it all just collectively comes into a big pile. Oh, we will see. Okay, so 2 ,550 comes in and let's just say we don't even pay taxes.

1:25:59Let's just be generous. So yeah, let's get these debt minimum payments. Let's figure this budget out. You know, I mean, you're going to have to owe a little bit. Let's just say$2 ,000 is what you get on a monthly basis. Come on. No, I mean, okay, fine, fine. You're going to write off some of the expenses, but let's calculate that against the$550, okay? So some expenses, blah, blah, blah, blah, blah. Okay, good. So let's just call it$2 ,000 is net. What comes after business expenses? Good. And debt minimum monthly payments is$614.36. sense. Okay, we know your rent at the house is$500. Do you have to pay anything towards utilities and whatnot?

1:26:35No. Internet? No. Renters insurance? I do pay for renters insurance because I also pay for a storage unit. How much is all that? My storage unit just went up. I think it's$110 a month. And that comes with renters insurance? I pay the renters insurance. Outside of that, I think it's$16. Okay, so we'll save for that$126. Great, great, great, great, great, great, great. Phone bill. So, up front, I pay the cost. I have a shared phone plan with my grandma. So I pay the upfront cost of$110. No, why? Do you... And then... You're still on your phone? Because I just had to get a new phone. And she pays you some back?

1:27:11So she pays me for her half of the phone bill. So... And what happens when... Then I'm going to have to figure it out. I'm going to have to go back Okay, so what do you have to pay? So my half of the phone bill is$55. Okay. I'd switch to helium if T-Mobile's good in your area once you have that phone paid off. Okay. It's much cheaper. Same coverage. Okay. Gas, vroom, vroom, drive, drive. How much on a monthly basis? If I'm not going anywhere and I'm saying local, then it's probably$150 a month. If you don't do anything that you always do. Okay. Car insurance? That currently is$270. $270? Okay.

1:27:55I think. $300 for food user. budget-friendly cookbook and use the budgeting app that you get for free. You can make that work. I promise. We've done the math. $100 for TP Fun. Anything else you need to survive? It's your own makeup. It's your own toilet paper. It's your tampons. Whatever, whatever. Co-pays. Okay, we're getting health insurance. I'm going to put at least$100 towards that. I think you're going to be heavily subsidized, so let's just say$100. Do you have any pets? Please don't. Thank goodness. Any other things that need to be in your budget that I have not brought up? Uh, I don't think so.

1:28:31Okay. I don't think so. Good. Well, okay. You're f***ing. $2 ,215.36 is what you need to survive. $2 ,000 is probably what you bring in after business expenses. So, you're f***ing. Yeah. Honestly, I didn't think it was that bad. How? I just, I didn't. I didn't think my monthly expenses were that high. you said you've put everything on paper. This is a very basic, that took me two and a half minutes. It's not, I just, I don't, I put it down in hopes that I kind of understand it better, but I mean, I truly don't understand it. So, and it changes, so. Why? I mean, what I bring in changes and what goes, I mean, I mean, but like monthly minimum payments change, you know.

1:29:21Barely, barely, very barely. Okay, what's your move back plan? Is there a plan? I mean, it's just a very general plan at this point. I would like to just pay down as much as I can and save up to make the move. But I also know that I need to. How can you save if you make less than you bring in? If you spend less, if you spend more than you bring in just to survive. No, no. You can't. Unfortunately, I can't. That's where I'm trying to dig myself out of this. I'll be honest. I'm digging myself. And it might f*** some potential business things you need to do. Or if this car breaks down, it might f*** it.

1:29:55Well, listen, what I'm personally doing, other than the family debt, if you can prove you changed your behavior for a few months, I'm declaring bankruptcy if you're going to continue down this path, and I'm going to wipe this debt. It's going to f*** you for a bit, and it's a few thousand hours to go through, and it can be a little stressful. So you have to change your behavior, prove you do it, so you don't end up back here in the first place. But more than anything, you need to get into a career field that has demand, that is providing more value, that is not oversaturated. You need to do a little research on what you want to do, and we can get you geared towards education and certifications that get you to where you want to go.

1:30:25But right now, this is not working. Whether you do that in St. Littus or there, I don't know. But this is not working. As simple as that. This is f***ing. Those are the two steps I'd take from here. Yeah, bankruptcy has been something that has been mentioned to me before. Yeah, but not until you change your behavior or else you'll end up right back here. And we've had people on the show that have done that. Yeah, and that's, well, and because I do, you know what, I don't remember if I sent the stuff in for it, but I do have a personal loan out with the bank. Okay, well, at this point, we're going to talk about it on the post show because I can wrap this.

1:30:59So join Hammerly. Link in the description below. Come hang out. It's going to be great. Let's get your Hammer financial score. Spending in a budget. You overspend, 0 out of 10. Debt? Family debt's not great. We don't like that. Okay, no IRS debt or collections as far as I know, so 1 out of 10. Emergency fund. Well, you drained it, 0 out of 10. Retirement, well, you drained it, 0 out of 10. Real estate, 0 out of 10. You honestly probably went from maybe a three down to a rounded up 0.5 out of 10. Come join us in the post show, guys. It's juicy as always. Join that Hammer Elite membership in the link in the description below, the number one on the platform.

1:31:38We'll see you there. What the f*** is going on with this personal account? I took out a personal loan through the bank to consolidate credit card debt. Oh, the f***ing case. And now your credit cards are all maxed out. What are you all on this personal loan?

1:31:54Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. 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.