In short
Podcast Notes: Financial Audit - Goth Freak Is A Wannabe E-Girl
Episode Overview Podcast Title: Financial Audit Episode Title: Goth Freak Is A Wannabe E-Girl Host: Caleb Hammer Guest: Monica, a 23-year-old from Hartford, Connecticut Date: [Insert Episode Date] Description: Monica shares her financial journey and struggles, transitioning from tattooing to security work while navigating a complex mix of personal and business finances.
Key Points
Guest Introduction
- Monica's Background:
- Former tattoo artist, now working in security at an amusement park and Target.
- Shifted careers due to negative experiences in the tattoo industry.
Career Transitions
- Discussed the challenges and controversies within the tattoo apprenticeship process, including:
- Unsatisfactory working conditions.
- Experiences with exploitative practices from shop owners.
- Transitioning to security work for financial stability.
Current Employment
- Security job at Target pays $19/hour with approximately 40 hours/week.
- Past job at a bank paid $24/hour, but left due to dissatisfaction.
Financial Situation
- Income Analysis:
- Monthly income from security work estimated at $2,500.
- Reported struggles with budgeting and awareness of spending.
Spending Habits
- Initial self-assessment of spending was $600 but later revealed actual spending was $6,228.
- Major expenses include:
- Rent: $1,550
- Utilities: Covered by boyfriend
- Credit Card Debt: Total debt of $18,957 at a 13% interest rate.
- High discretionary spending on fast food, clothing, and personal items, leading to debt accumulation.
Debt Accumulation
- Monica's lack of budgeting led to misunderstandings about her financial standing.
- Discussion on the impact of credit cards and their high-interest rates on her finances.
- The credit card strategy is currently unsustainable given her income and spending habits.
Business Ventures
- Attempted to start a tattoo shop with two other artists, leading to complications and a personal loan taken out for renovations, which remains unpaid.
- Lack of formal agreements or contracts with partners created significant risks.
401(k) Withdrawal
- Withdrawn funds from a 401(k) at age 18, which could have grown significantly, were used to purchase a gaming PC rather than for essential needs or savings.
- Discussed the importance of maintaining retirement accounts.
Financial Score Discussion
- Caleb assessed Monica's financial score as low due to:
- Overspending and lack of budgeting.
- Poor financial decisions regarding debt and investment.
- Encouraged Monica to work on budgeting and financial literacy.
Future Planning
- Monica expressed a desire to start a family and buy a house but is currently ill-prepared for such commitments due to her financial state.
- Discussion on the risks of financial entanglement with her boyfriend and the importance of individual financial health before marriage or children.
Resources and Recommendations
- Resources provided for budgeting and financial management tools.
- Suggested working more hours or finding a secondary job to improve her income.
- Encouraged forming clearer financial agreements in future business ventures.
Key Takeaways
- Budgeting is Essential: Monica's failure to maintain a budget led to significant overspending and debt accumulation.
- Contracts Matter: The importance of formal agreements in business ventures to prevent financial entanglement and misunderstandings.
- Long-term Financial Planning: The necessity of prioritizing savings and retirement plans over immediate gratification.
- Communication in Relationships: Open discussions about finances and responsibilities within relationships are crucial to avoid misunderstandings and potential conflicts.
Final Thoughts The episode highlights the critical importance of financial literacy, budgeting, and the impact of personal habits on overall financial health. Through candid conversations, Caleb aims to guide guests like Monica towards better financial practices and accountability.
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Written by AI. May contain mistakes. Listen to the episode to check what was said.
Transcript
Automatic transcript. May contain errors.0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube.
0:31all hello my name is monica i am 23 years old i am from hartford connecticut and this is a goth on financial audit goth on financial audit yeah okay well what does a goth on financial audit do for a living up in hartford connecticut so i was originally doing tattooing um but now i just want full-time security. Okay, I don't see any tattoos. Most tattooed people we have on here are like heavy tattooed. Believe it or not, I... You do security? What kind of security? Not physical security. No, just like asset protection and like theme park security.
1:14Just stopping people from bringing in like a weapon? Because you're not stopping. How tall are you? I'm like 5 '2". Okay, you're not stopping anyone. Trust me, I get stuff. I definitely get stuff done. 100%. Okay. How much do you make doing security? What are the hours for that? So technically I'm employed with two different places. One of them is an amusement park. And then right now it's just Target. Since the amusement park is currently closed, I'm exclusively working at Target. Security at Target? Well, yes. Again, who are you stopping? Okay. So how much do you make in this Target? So starting is$19 an hour.
1:52And I get 40 hours. But they always make sure it's a little under. so like$39,$99 ,999. Connecticut's not cheap. Yeah. $19 an hour. I was working another job with another company. It was$24 an hour at a bank, but I really hated working there, so I quit. When did you transition to this? You mentioned tattooing, so what? Did you just stop tattooing? So I just stopped. Why'd you stop tattooing? the industry is kind of messy like it's i don't like well we have a lot of tattoo artists on what are you making more um i think you can make quite a lot why'd you stop why why move careers um so when you're in a tattoo artist you have to do an apprenticeship an apprenticeship is awful like it's like the worst experience you can probably participate in well isn't that kind of like a student intern after teaching or going through no what's wrong with the apprenticeship So kind of like an internship or anything.
2:54You have to? It is required. It is legally required? It's not legally required, but it's what you have to. Industry standard. Yes. Okay. So how long is that? So depending on the state, it could be 2 ,000 hours or more. So every state is different. So a tattoo artist that is already licensed has to sign off on those hours. 50 weeks? That doesn't make any sense. If it's 40 hours a week, 2 ,000 hours, 50 weeks? Yeah. So it's like a year, essentially. Yeah, basically. Okay. So a year of your life for a higher income. So you've had people that make bank on the show doing tattooing. Why do we give that up to make$19 an hour in a very expensive state?
3:36So basically when you go from one shop to another, those hours do not transfer over. So if you're having a bad experience at one place, if you go somewhere else, it does not carry over. What is a bad experience though? Just hard work? No. That's what a lot of people deal with. So no, no, no. A lot of people in the tattoo industry start off tattooing in jail. So there's a lot of like shady characters in the tattoo industry. It's not all over. I'm trying to get you to sell math. I know. Well, so there was basically when I first started, I was working at a tattoo shop that was in a mall. And the owner was kind of I would I definitely would say he's a predator, in my opinion.
4:18Oh, my goodness. 100%. I was thinking violence. Well, that too, but every shop is different. What do you mean? So he would want to exclusively kind of do apprenticeships for girls and then kind of hit you with, you want these hours, you have to do something for me. Oh, what? Yeah, one of those. Yes. Yes, this is. The diddle diddle? Yeah. And he propositioned that to you. He didn't get that far only because I left.
4:51that's crazy. Sorry, go on. No, no, sorry. So he would just say a lot of like explicit like things to me. Like, you're like, oh, you've never, uh, you've never seen a before. Do you want to come in the bathroom with me and see mine? From a boss? Yeah. Sue his ass. Somebody said I should go to the news about it, but I. The news, get money. It's not going to do anything to him. I guess that stuff is hard to prove though. Cause it's like he said, she said. yeah but you're saying if you said predator that essentially means to me ongoing behavior wouldn't there be like mountains of employees oh yeah he does have a bad reputation like people know of him because of that um see this ladies and gentlemen in the world of twitter sphere and reddit is what is actually an abuse of power dynamics people throw on the word power dynamics all the time and it's so stupid no the only bad thing about power dynamics is someone when someone abuses it and saying, you can't make money here unless you're dead on my ding.
5:51And that is bad. That is bad. Then you get fired, and I want you to get money from him. I know what he would do as well, because technically he's a piercer, too, because some shop owners are tattoo artists. They're also piercers. So sometimes, well, I would say a lot of time, when girls would come in and they would want like inappropriate, not inappropriate, like private piercings, like nipple piercings or genital piercing, he would lie and say there was no one else available. so he could do that. And there was other people available? Yes. There was girls there. So that he could, can, okay, poke the tits?
6:24Mm-hmm. Right. Okay. So, you couldn't take the hours and move to somewhere else. How many hours did you have at that place? I think I was there for almost a year. I've been, I've been hopping around shops. You were there for almost a year? Yeah. If you were, that should have been about the 50 hours and then you could have moved on and done your own thing. Yeah, but he has to sign off on it. And he wouldn't have unless? Of course. not yeah are you serious yeah you know for that's crazy because he had a sugar baby there actually um what do you mean was it an employee yes she was another apprentice and i would say sugar baby because i think she was okay with doing favors for him for him buying her stuff so i mean i mean that's just that's i tend to be a consensual adults can do whatever the but if it becomes a workplace where someone can literally fire you for not doing that or something that's just obviously where it's just a no-go and that's just even if she was okay with it that is dramatically inappropriate yeah i think she was like 19 he's like i think he's like close to 50 i feel yeah yeah well i think the other part would be illegal him utilizing his power like yeah it's considered weird and you know whatever uh but like the other thing is actually what's bad you know the age difference now you know it's weird but the f***ing leveraging his work power over people that shit's illegal yeah i i don't know it's just scary because at the time i think i was so why didn't you transfer to someone else without a f***ing creep i tried to so originally i was actually at a really good shop before covid but that shop got shut down so then i was forced to go to these like shady places well yeah but it's not it hasn't been covered for a long time well yeah there's there's other places aren't there i'm sure there's lots of small shit i would have to count so i've been to the one in the mall and the one down and then i think okay so how long have you been doing security now because not much can be hitting your account um the same i've been doing it at the same time as basically from 2020 when i was doing the apprenticeships and security at the same time because when you're kind of apprenticing, you still need, like, a job because you're not making any money.
8:43I can't even. Payroll. Payroll that came in was only$1 ,146. Ooh.
8:53Yeah, I think. Like, what the fuck am I looking at? There's, I mean, there's cash apps and PayPal and Venmo, and allotership's payroll was$1 ,046. so what's going on there's fidelity disbursement but what the why was payroll so low if you're getting basically 40 hours a week that math's not i didn't have said eight 19 bucks an hour you said yeah it's 19 an hour 19 you said like 38 39 hours a week yeah i mean come on uh just and you wouldn't be in you're not in a high tax bracket or anything but even still i'd assume you'd bring home like at least 2 500 2 300 yeah i think i think around that month i might have been training so i just got that job in november so i'm because uh the amusement park job like i didn't get the promotion i wanted so i had to look for another job so what's your account normally what can we expect i typically like two to three thousand a month i feel makes sense that doesn't really make sense after taxes if with the hours you're getting that you're saying i'll put 2500 yeah but okay 2500 so we know on the income scale what came in obviously there were cash apps and some fidelity thing that i'm sure we'll talk about yeah but how much was spent what was your total spending um i don't know i definitely spent a lot of my income i would definitely say yeah how much did you spend i probably most of it goes to like bills but i think i kind of have a bad habit of spending a lot because i work at a store so i would say probably like half of that probably so a thousand one hundred came in you think you spent six hundred Yeah
10:50You had me on my You had You were on I was on your side so far Because you were Like it sounds like a Boss that you had a weirdo But you're losing me here you think you spent 600 you literally spent 10 times that 6228 dollars What the are you talking about i thought i should more than yeah i bet it was half sorry half of what your income yeah how are you so far off how how do you not know spending 10 listen i get when someone says they spent 5 000 and they spent six okay but you said you spent 600 and you spent 6 ,000 how the possible how are we so far how are we so far that is crazy um I think probably because I don't budget at all I don't do budgeting and I don't really try that's that listen no one that comes on the show does budgeting but again that loses a thousand dollars maybe or maybe like 25 you are off it was 10 times higher than you said 10 times higher that's not something that's i don't budget like how are you unaware that you how do you possibly think you only spent 600 how about that let's go there how is your mind in a place right now where you think you only spent $600 I do have a lot of credit cards So sometimes that spending can Get a little forgotten about Why?
12:28Not even forgotten about But you're able to at least assess like you spend $600 $600 is not insignificant Money but in terms of a monthly amount that an American Would spend That's kind of small There's no way I'm sure your rent is at least that My rent is $1 ,550. So there you go! How do you think you only spent $600 if your rent's$1 ,000? I think, so I live with my boyfriend and sometimes he pays for a little bit more. Sometimes. Yeah, pays for a little bit more of the rent. Did the boyfriend know about the creepy f***ing boss? Why didn't he go in and beat his a**? I would've. Well, it'd be ideal to do that, but that's not always the best solution is to resort to violence.
13:13No, I would've gone to the police. But, okay.
13:19I don't know how we can be so far away. Listen, you're a guest on the show, so don't leave this. Do not go back to Connecticut until you download our Simpler Budget app. We made this for people just like you and for those with advanced finances as well. We're just trying to get to a better position, but you get the premium version for free. Everyone else, they get a free trial, but you get it free forever. So take it. The automatic connections, the community chat, all the things that are in there. Take advantage of it. No longer budgeting is no longer an option. This is not an option. Let's be real.
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15:11Why refi dash 78 and get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality. Okay. Well, self-assessed. What do you think your financial score is today? Zero to 10. Um, I would say like a four, four to 10.
15:40i think a four out of ten still like a failing grade it is i guess but five's like right down the middle but not even that you thought you spent six hundred you spent six thousand two hundred where i i think it's a little bit of misunderstanding i don't i didn't mean to say 600 i think i meant to say like a different number but i'm still wrong it doesn't matter probably a little bit more than 600 but I'm still wrong a little bit more than 600? yeah like a thousand or like 2000 but why is your phone not on do not disturb? I'm sorry did you watch the onboarding video? oh
16:27that's okay okay Well, if you want your Hammer financial score, find out where you think you are today. You can go to CalebHammer.com or a link in the description below. Take the quiz. Figure out where your finances stand. And also, if you want to come on this show and you have an interesting situation, we'd love to talk to you. You can come on down here to Austin, Texas. The onboarding process is pretty intense, but it lets you know exactly what you're getting into. And it's a good time. So go to CalebHammer.com slash apply, and we'd be happy to have you on here. Okay, let's start going into these documents.
17:06Okay. Santander. It's a good bank. Okay. It's good to know if I'm ever looking for a bank, I guess. Well, 18 ,000. This isn't a credit card. Okay. 18 ,000. I was going to say that would be crazy. Sorry. $18 ,957.67. At a 13 % interest rate. um okay your minimum monthly payment is principles to uh 401 yeah that's crazy for your income situation that's impossible for the amount of money that came in last month i don't even know how you would have paid that what's this well well the intention for that wasn't for bees to be the one to pay that that's why um so what's that mean my what is this even for What is this?
17:58When I got my, I finally got my tattoo license because I am licensed now. So you got it. Yeah, I got my license. Then why aren't you doing that? So I was at one shop and I had to leave because one of the artists acted like he was going to hit me in the face. So I left. What the f*** is happening? Okay. I don't know. So then I was planning to go with two other artists and open our own shop because that is, you could easily. My eyes are up here. Sorry. you could easily make the money back into the money you invest if you hire more artists and then they pay you a percentage but that just didn't work out the way I thought it would well what happened so this was for that yeah you borrowed a loan for the business that didn't happen so what happened I'm not sure what the state of it is right now but I did take out a loan because it was this loan yes before to make renovations on a hair salon so then it can no yeah what do you mean you don't know the state of it what does that mean um because the key had been taken away from me and what okay hold okay what the are you talking about so any context here i can give you context so there's already an established business there there's already a hair salon and we were gonna cause it has to be up to code for a tattoo shop it has to have scenes and certain doors you have to make those renovations and certain doors like escape doors no no just there's no you have to separate certain parts they can't be exposed to each other and my my so then I was asked like hey would you could you take out um what's none of the no sorry let me backtrack they had asked me what's your highest like max on your cards and i had said 5 000 they're like can't they were basically asking me to max out two of my credit cards and i said no for what to do those renovations to get up to standard okay and i said no i was just uh two people from a previous shop and we were going to collaborate together to open our own shop and they were already asking you this before you like signed a lease or anything yeah i didn't i didn't sign anything i kind of made that gigantic mistake in not sending any documentation or any contract even i don't even like what did you even talk to the people who were who owned it was someone leasing the space so technically it was there is someone with the owner and then someone's an owner they have a business license so owner of what the business that was in there or the property the business not the property they're renting okay so why didn't you have anything in place with the person i guess who was renting the like sublease or whatever.
20:38What was even the process? So you were talking about renovating with these two people before you even knew if you could be in the space? Nice. Yeah, I just trusted them, so I figured that whatever they were saying to me, they were telling. I've known them for a few years. But are they stupid? I was expecting them to pay me back. They had made a promise that it was within a certain amount of time, and I just trusted them. But are they stupid? Maybe. You don't know? I don't want to speak like too ill of them because. I don't care. It depends on who you trust. There's people that I love. But if they're stupid, I'm not trusting them to follow a business decision that they're laying out that would require going into debt.
21:29I felt like I kind of owed them because one of them had given me my license. Like they sign off on my hours for me. and even though we were all co-owners I felt like I wasn't an owner I was more like an employee co-owners yeah you guys formed a business no you legally formed a business not legally just kind of word of mouth okay so word of mouth word of mouth to who well it's not word of mouth more like verbal contract and I've known them for a while I just did whatever they needed me to do like one of them I gave them a car one of my old cars the f*** are you talking about you just gave them a car Yeah, I felt bad.
22:06You had an extra car. It was my old car. I already got a new car. It was like my favorite. You can afford a new car? Well, I'm still paying it off. It's technically I have a loan car loan. Uh-huh. I'm sure. Okay. Well, I'm sure we'll get into that. Okay. So you verbally agreed to split it 33.33 % of the way. Yeah. So I wasn't the only person who wasn't making payments is me because I'd taken the money out for them and they were supposed to make payments to me. um the the original was the agreed upon term i gotta know something here i mean this is there's so many holes in this conversation well the original agreement it was verbal i can't say yeah yeah why i just i trusted their i trusted them as friends that's all i didn't think i needed to money gets involved always get a contract going always get a legal contract going they so they had to like oh we can pay this off in a year which is hard to do.
23:01Pay what off? The loan. This? Okay. So you didn't have an agreement to even be in the space, correct? I was supposed to be working in there too, but Working in there? What is working in there? Like tattooing. In a hair salon? No, but we had to separate the part that was able to be Did the person who rented the space agree to that? Yes. They agreed to that. Yes. Did they get you on a sublease? No. Was there a conversation around getting you on the sublease? I didn't know a sublease was a thing. Was there a conversation and getting any paperwork done for the space you were getting? No. Oh, my. Okay.
23:43Was the master landlord aware? The building owner. I'm not sure, but I know we kind of made sure to have receipts back and forth. Receipts? What receipts? So when you're paying a percentage to the shop, they want a receipt that you paid a percentage of whatever you earned to them because you're. Yeah, but that's not even close to what we're talking about. No, no, no. I'm tying it in. I'm sorry. So then also receipts for the loan, like me making sure I'm taking the money they're giving me and actually paying the loan off instead of using it for whatever. So I made sure to do receipts, but they weren't giving me.
24:15One of the people that was supposed to pay you back for this loan, were they the owner of the shop or was it just your business partners? One person actually owns a business. No, no, no. The owner of the shop that you were separating into different spaces. The hair salon. Yeah, yeah, yeah. That was one of them. Yeah, she's also a tattoo artist, too. Okay, so that was one of them. Yes, correct. Okay. Okay. Okay. So you went to borrow a loan to do this. Correct. Did you have a contractor? Yeah, because I went to the bank and I signed a contract. A contractor to build it. No, no, no, no, no. Who the fuck was going to build it?
25:01You borrowed before you had an estimate? I think they already had an estimate of$10 ,000. From who? I'm not sure. No, no, no. Who had an estimate? The owner of the business, technically. I thought you were a third owner, and I thought this was your responsibility. You took out the loan. I'm talking about the person on paper. Paper? On paper, because there's only one. What paper? You said nothing was on paper. No, I meant the only technically one person owns. The tenant of the unit. Look, you all know I love calling people out on their financial train wrecks. We've tackled credit cards, payday loans, and more.
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27:49Seriously, real estate has changed my life and it can change yours too. Let's go make real estate your next big win. And remember, we always offer a 30-day money back guarantee, but we have the lowest refund rate in the industry for a reason. I bring the value. Check it out. Link in the description below. Yeah. So the. Because they have to do the plumbing and to change the plumbing because you need to wash your hands before tattooing. So you need a sink and all that. You didn't have sinks in a salon? They need to be a certain kind. They can't be the ones that are meant to wash your hair. It's not the same.
28:22Yeah, but what plumbing would change? You'd think that would be able to relatively be able to connect in with whatever you need. Yeah, they originally asked for$10 ,000, which is still a lot. Who asked? I keep hearing they's and them's. this isn't twitter bios the other owners the so the other two people involved they they asked me like hey they asked you for because they had asked me originally to max out two of my credit cards and i said no because for the renovation specifically correct okay so you took out a i thought you said wait if you got a quote for 10 000 hours why do i have an 18 957 loan here so they had said that amount but then we went in to get pre-approved they came with me and they kind of spoke up and said we actually want this amount want they said want they didn't say need they said what okay and they said they could pay it back to you within a year which is verbally is that what they said okay what did they say their plan what was what was the minimum payment that they were going to pay to you so and also what about the interest were they going to pay into the interest that you are paying on the loan 13 i try to explain to them based on the payments that they were making that that would what payments were they making them they were just paying you the minimum monthly payment correct if they pay the minimum payment until the loan is paid off technically they will have paid the interest yeah but based on the time frame that they had said that wouldn't be possible no it would be it would be like five to six years Yes.
29:56Something like that. Yeah. And then they got really upset with me when I brought that up to them. What do you mean they got upset? How did that conversation go? What is they got upset? They didn't want to pay more than what they were actually paying me now. I mean, I guess on a minimum basis they could. They just had to go longer. And they got upset at the idea of going longer. Yeah. So after. But you showed it to them. I tried to explain it. Yeah. Did you show it to them? Yeah. they have all the they have all the documents all the what was their excuse other than not wanting to or was that it they just didn't want to they don't have that's the what they said they don't have what the money to pay the loan like more than what they were already paying yeah but they're just paying longer i try to explain that are they i don't know um i know uh after all this happened we went to we were supposed to go to a tattoo convention together and a tattoo convention it's can be very lucrative you can make a thousand dollars a day from from tattooing you can tattoo people and make a thousand dollars like a day and it's a three-day convention and they were supposed to go with me um but the last after all the experiences you've had with people in the tattoo world that have not been good you decided to only do a verbal agreement for a loan that you're taking out well i would say that's a different thing i would say how they're in the same industry as all those other people that you said were bad i would said you haven't met good people i would say sexual misconduct and it wasn't just that someone also threatened to kill you he also said everywhere you go to is cd and sketchy with sketchy people you said that yes you had specific examples but you said if you go anywhere that's what you get and you're trusting two of them um i just knew the firm a long time and they and how'd that work it was good until this point i would say what what is this point this point this point well i would say like a couple months ago when when did this happen in august you took this out in august of last year correct and it only lasted for a couple months until it went to yeah um oh my okay so what happened um so after i had this all we kind of had this loan stuff going on.
32:18I kind of knew it was not going well when we were all, like I said before, we were supposed to go to a convention together. Oh, yeah. And they kind of bailed on me last minute. I ended up paying a lot more for the convention than I was supposed to. Are they closer? Closer in terms of. To each other than you? Probably. Probably? You don't know? Yeah, because they're age range. They're closer in age. They probably are closer than me. But that's not everything. Well, they're like 40. Okay, but are they closer or not? Yes, they are. I don't fucking know. I mean, I have a friend out there right now.
32:51She's a sister of one of my friends, and she just turned 21. And we have someone here that's like in their upper 30s, I think. Wait, what example was I going to do? No, no, no. We have someone that's like 25 that works here. I'm still closer to her even though I'm older because I know her. people are automatically closer because they're closer in age i'm curious are they closer yes are they friends there you go well you answered in a weird way that didn't make sense but okay so then they bailed on you yeah they just last minute canceled like i was um they were supposed to book the airbnb because i had already paid for the booth the booth was a 525 dollars which If you split it with three people, it's not that much.
33:41When did they bail? How many days in advance? The day of. For fuck's sake. Written contracts, people. Written contracts. And they were not on a contract to the booth? It was just you? Their names were on the booth. They've sent their information. And the contract to rent it? There's no technical contract to rent the booth? It's just a bill. You just pay for it. It's not like a contract. You just pay for it. And you paid for it And they were supposed to pay you back They were supposed to At least Okay so you went and you didn't have to split with anyone So you made a ton of money right What is this what are you doing Are you a horse Yeah You're chewing into the mic people are listening Sorry No what are you doing why do you keep doing this I'm hungry You have a little stash eat afterwards or before.
34:38I had a long flight. You were in the green room for like an hour. Why are you eating into the microphone? I was doing my hair. Why are you eating into the microphone on a podcast, lady? I have an oral fixation with like chewing, but I like to be healthy. Oral fixation with chewing? Yeah, because of bored eating, I think. Don't we all have that? Yeah, but you're not supposed to eat when you're bored. You're supposed to only eat when you're hungry. Yeah, but like what? Chew on pens and bullshit. Oral fixation? Are we like diagnosing that shit? Well, that's not a diagnosis. It's more like just a thing.
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35:17I mean, it helped me lose like 50 pounds though. Really? Yeah. Okay. Maybe I need to get on the oral fixation. I should show you the before and after picture of me and then you'll. Okay, well, good for you. Let's not eat during the podcast like a weirdo, but.
35:37okay okay so i don't know how the fuck you were recording a 401 minimum payment yeah because uh i didn't really account for the principal or anything like that um just the payment i know i've got my account's gone in the negative a couple times oh for fuck's sake okay so what happened you went there you made a lot of money right i made just the money back i didn't make a lot of money what you're saying you get a thousand a day there but you rented the booth for 500 how'd you so only make the money back the reason why is because there was a comic-con happening like nearby so you wouldn't have made a thousand anyway so why the f*** did you say that um i'm just saying that's the reason why people go to conventions um i've been to conventions a few times i've been to like four conventions and i've always made like a good amount of money back i think that was the first convention that was a bust for me okay so when did they are they paying anymore?
36:29Um, one of them, um, we're, we're trying to see what's going on because, um, one of them is to see what's going on. Feeling buried under credit card bills, personal loans, or medical debt. It's like your money's working harder for your lenders than it is for you, but it doesn't have to be that way. Thanks to PDS debt. PDS debt does more than just help you manage your debt. They empower you to take control using their platform. They go beyond the numbers to understand your unique financial situation and craft a personalized plan designed just for you. No more cookie cutter solutions, just a clear path to financial freedom that fits your lifestyle.
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37:42So get started with your free debt analysis in just 30 seconds at pdsdebt.com slash hammer. That's pdsdebt.com slash hammer. Take back control today by visiting pdsdebt.com slash hammer well it's it's hard to like when you're trying to resolve things amicably and uh contact but people aren't responding i i'm not like a police officer i can't go and force people to do when's the last time someone made a payment um a partial payment was made for february yeah so not how much uh i would say so 210 was made no that's not all of it 210 and a combination of 100 but i think she finished paying it off with 85 so i don't know just one of them yeah one of them paints on time the other one which which which which one the shop owner the one who owns the hair salon yeah okay are you guys still doing this i'm trying i'm just trying to figure it out um where are we in the process because it sounds like uh the answer would be no i was trying to communicate with them regarding a contract are you capable of communicating because like i don't know Are they incapable of communicating?
38:51Because, listen, we're talking about since fucking, what did you say, October? Not October, August. No, no, no. Since the fucking convention. The convention happened technically, I think, in September. It was after August. So since September. Okay. Yeah. It's just, it's hard to try to. Go to the salon. Go to the salon? You're a security person. Go beat her ass. not actually but at least go there that's a way to talk to someone instead of waiting for them to text four months later i am a little scared to do it so i don't want to why what is she gonna do no it's more so like um i was kind of raised to like respect my elders so it makes it hard to do confrontation with people older than me her you're out what the respect that's not that's not what's happening here respect is you can respect there's a person we'll still have in a conversation I don't what do you mean going and talking to someone is not disrespectful I don't think that's gonna work I don't think they respect me no you can talk to them respectfully I just based on how I know their personalities I just know that's not gonna work why what's their personality so they can't talk which means you can't talk to them I've messaged but if they don't reply I can't force them to reply you can go there Hey, how you doing?
40:17I, I've, I don't know I'm just scared, I'm scared of the confrontation Well guess what, I have a minimum of the payment that is driving you into negative in your checking account multiple times since the fall This is gonna ruin you I know, I thought about that a lot Cause I But you've done nothing I know, I talked to my mom about it Oh good, yes, one of the most invested partners into this Well no, my mom was bad at me Huh? My mom was mad at me yes yeah she said why did you do that yes why did you do it it's dumb as yeah um she's correct she is correct um i don't know i just i'm it's hard to explain it's like a just like a the anticipation of a negative interaction repels me from going so i'm just i'm trying who says it has to be a negative reaction interaction i just know there's like legal stuff on with them them too so there's legal stuff yeah what like i can't really i don't want to like put anyone on blast it's just i just know they have issues and i just each other or no just in general like in their own personal lives and i just don't think it'd be a good idea um i know i just know like it just went nasty so i just i think if we go over there it's just well or if i go over there it's just going to be an argument like i don't think it's going to be productive.
41:37What does their legal stuff have to do with that, though? Because you would have to get them to sign a contract and they can just say no. Yeah, you're a dumbass. Objectively. Just a little bit, yeah. No, a lot of it. This has destroyed you. Have you ever been late on this? I think technically once. Did you make the payment five days ago? Five days ago. A payment was due five days ago. Did you make it? Five days ago? Yes. No, I think February was already paid. I'm pretty sure. Oh, did you make your payment day? That was the latest that could be paid. Yeah. Before a fee hit. Yeah, yeah, yeah. You made the payment?
42:22Yes, he is. You got me scared for a second. Yeah.
42:27Belt? Yeah. This is the card you can pay rent with, right? Yeah. Which is good for people that aren't stupid with their money. I have a feeling this is not good for you. Listen, I would just do the fizz card for you because it's a credit card. It's a debit card, essentially, or it's a debit card that builds credit.
42:51All that from a couple carrots, huh? It's because I'm really hungry. Sorry. You burp when you're hungry? Well, because your body's trying to eat something that's not there, so then it makes you burp. There's carrots there. Built. I do pay my rent with that card here and there. There's always a balance. Yeah, but something tells me it's because you can't afford to pay your rent. Not because you're actually receiving the benefit that is coming from it. And that's why a lot of people use this card. $1 ,270.23 on here. I mean, it went up from$982. No wonder you... Look, you spent$965 on here. That's more than you said you spent across the board.
43:31Across the fucking board. I think that was labor from the previous month because I haven't paid the balance. Huh? Huh? I said the balance from the previous month. That's why. No, that's purchases. Oh, purchases. Yes. What do you think I just said? Sorry, sorry, sorry. No, no, no. I said it was more than you said in this previous month. How are you?
43:52Okay. $21 and$96 of interest accrued with a minimum monthly payment of$35. Alta, I guess to coat that face That was probably the entire trip right there This episode I really like makeup No shit Everyone's very surprised You look like you're in Mulan Mulan That's crazy Marshall's Five Guys Yeah, Five Guys I gotta treat Pookie Princess to Five Guys what my boyfriend pookie princess that's that's your boyfriend is pookie princess well anybody can be pookie princess that's like just someone you care about is your your pookie princess oh am i getting old i don't know this i know pookie i think it's just me i swear it's just me it's just me because i even when like pd comes down to like target i call them pookie princess to p.e.
44:54p.d. like a police department what the f*** are you talking about okay and then yes you went into target got some bull**** went into target got some bull**** you're not buying anything necessary for five bucks you're getting drinks i'm trying to remember what i got uh definitely wasn't energy drinks i don't think so i think was it chocolate milk how the f*** would I know sorry sorry how the f*** would I possibly know how would I know dude okay so I probably so something special I can't probably tell what those drinks are but I there's a few times but I know it's bull is what I'm saying um yeah I also you're spending money you don't have while you're going negative in your checking account because you took out a personal loan that wasn't backed by any kind of contract that other people are supposed to pay and now you can't afford to pay well how does that make sense how do you spend basically what you brought in last month on both how do you allow that how is that acceptable how long have you been dating your boyfriend four years and he's okay with this a potential fiance a potential marriage he's okay with a financial disaster on the other side he told me that um even if he tries to give me things that i should do that it's hard to get me to listen because I'm stubborn.
46:16I don't know if it's the stubborn part that's making it hard for you to listen, but yes, I get it. He's not like controlling or anything, so I don't have to worry about that. That's not what I'm saying. Because some people are like, control other people's finances even when they're not married. Yes. Like they'll like, I need your access to your password. Why aren't you listening to him? Someone who might know what he's talking about. I don't really know, but obviously you're in the worst place and he wants you to do better. Why not listen? He didn't really talk too much to me about it I think he's just What the fuck are you talking about We're talking about the loan no Cause I did talk to him about it We're not talking about the loan right now We're talking about vets Anything that you're doing Are you guys gonna get married Hopefully Yeah Why would he marry this Why would he pull this Into his life that way Probably cause he loves me love but he's gonna destroy himself yes no i mean if you get legally you spent six thousand dollars more than you made five thousand more than you made well he's also trying to get a really good job good for him and then you'll take all the money and blow it no i would not do that you blow more than you make what are you expecting to happen in the end what's your what's your what's your path out of here what was your little magic plan here well i wouldn't spend his money i don't think that's oh come on no you wouldn't even know you are no no no you don't even know you're spending your own money oh you'd get a joint account and it would all be out and you'd be like i'm just getting a pooky little five guys well a joint account i think it should be only for like kids if you're having kids together i think it should be like your joint account for money for kids and then you're what that's an interesting new qualification for a joint account well i'm saying that's what it should be i'm not saying that's like a rule so i am i am i'm just saying if you get access to his money he's gonna spend it but not only that but you're gonna have debt you're gonna bring debt into the relationship is he legally required to pay it no not necessarily unless he's on the debt and there gets complications blah blah blah it's always different things however in the end he will feel like he should pay it because uh-oh this is my second half and you're making your debt worse and worse and worse every single month worse and worse and worse and getting into stupid and stupid business deals why would he bring that into his life that way in a more permanent fashion in a more risky fashion what if you use his credit or something just because you just think that's a normal thing to do and then you just apply to some dumb new business venture.
48:50Um well probably because he wants me to have his babies.
49:02He might just be a little horny. Well look at me. Yes. We all know. Everyone is aware. But I don't know if he's going to absolutely destroy his life. Unless he's the f***ing, you know, testosterone is making him go there. I think it's worth it if we have, like, ginger babies. Is he a ginger? And his family runs in his family and mine, too. Is he a ginger? His mom's a ginger. Is he a ginger? I don't know if this makes sense. He's half ginger. What's your real hair color? Because I know that is. Brown. No, I know. The roots are growing out. I know. I know. I have to re-dye it soon. But I've been putting it off.
49:48Yep. Okay.
49:54I know a lot of time when I go to Target, I like to get press-on nails. What? Is it just a new thing? Every time you go in, it's just a little sweet treat? A little press-on sweet treat? Yeah. Yeah, you can all, well, the best way to do it is to get press-on nails, and then you can just paint stuff on top of it. All right, bring them over here. They're not that great. They're outgrown. My favorite ones were the Sanrio ones. Nails, okay. So that's a special little thing that you have to do. No more carrots, you fucking freak. No, no, no, no, carrots. I got something for you. Okay. What? Olive and June.
50:33I don't know what this is. They're press-on nails. We're going to put them on you. What am I supposed to? This is not your show. We're going to put this on you. What are you talking about? I know it's not your color, but. What would my color be? I would say definitely green. Like a light. Who would have thought? How much do you spend on this shit on a monthly basis? I think a pack of them could be like$9. So it could be$18 if you buy two. Oh my. At a sale. I know sometimes they're on sale. They're telling me to put it on. They're pressuring me. I think they're right. Do I get to take them off?
51:09Are they easy to take off? Yeah, of course. How easy to take off? Just don't put too much glue on it. I don't know. I'll tell you. Don't worry. I can help you. I can help you. You are building this up. Is this what you're getting from Alta? Bullshit. Oh, no, no, no. 965. Oh, this is your target thing? $965 is what you spent. $965. dollars that is almost what came in last month and you added that to a credit card that you can't pay off while you're negative in a checking account while you're giving out loans that you can't fine do a couple do a couple i don't care okay i've never done anything like this hold on i need to eat a carrot give me a second no your carrots stop with the carrots stop with the carrot no one gives a shit with the carrot just don't crunch into the mic you're a little weird person okay let's see what $965 of spending and$21 of interest is worth at 28.49 % it's not my favorite brand but because the kiss brand is better but am I going to have the desire to get pegged once I get these on
52:31you could have been a twitch girl you look like it i really like video games specifically and i can't pick up the pen you gotta go i really like horror games specifically i know i'm anticipating the release of several silent hill games that are coming out um i don't know when they're going to be released though there's like four of them one of them was already released is a remover. You don't have money!
52:59You don't have money! I don't give a f***. How long does this take? No, wrong one.
53:08How? Did I throw that car? How the f*** do women operate? This is impossible. How long does that last car take to pay off only doing the minimum payments? The belt card if you don't purchase anything and all you do is purchase. So how long does it take to pay off? I'm hoping to pay half of it soon or most of it. I'm just waiting. How long does it take to pay off? Minimum monthly payments only. I think it's less than a year. Nine years. Nine years. You'll be 32. I mean, that's not that old.
53:53you gotta do with grace target i love target yeah you don't you work there yeah they should be giving you money you not you giving them literal credit card debt i know you have a balance well it's a small balance do you pay this off every month uh more or less because it's easier to more or less um because there's a balance on it but do you yes yes yes yes you sure every time i would say 90 of the time because there's why the f would you ever pay interest on this lady lady why why would you ever pay interest on this i don't really get it because technically uh it looks better when you have a debt and then pay it off instead of paying it off immediately i think i'm pretty sure
54:39is this is way too central i feel you don't need to be here okay so i'm not gonna put this down as a death end but what you're purchasing so much on here she's not doing the other hands she is not oh my gosh dude these are all both purchases because it's so stupid it's so much what what clothes why are you getting something you're getting clothes every day okay listen this is half half the days of the month half of the days of the month hear me out hear me out listen Sometimes I'll buy things And then immediately return it Yeah but I didn't have any returns on here So I don't know what the f*** you're talking about There should be some funds Nope Cause I bought gym clothes and then I returned them Nope Is that on the Target one?
55:29Nope Nothing returned on here Nothing returned on here Where's your returns? I don't see any returns What are you talking about? Why are you returning everything? It's more or less because, like, if I need something and, like, if I wanted to go to the gym afterwards. You purchase on the Target app? Yeah. Let me see. Don't look at the newest one. Don't look at it. What? The fucking headset? Yeah, the Chromie headset. Yeah, you're a little bit of a freak, but we already know that. It's just the number next to it. Yeah, it's$118. You're negative in your ticket account. This is fucking stupid, dude.
56:06It's limited edition. Sorry. Limited edition? Who gives a f***? This is all stupid. It's bullsh**. It's bullsh**. It's bullsh**. It's bullsh**. It's bullsh**. I know. I should be a booster with Hello Kitty. Okay. Bullsh**. Bullsh**. Bullsh**. The first clothing thing was at the beginning of this month, so you're not returning all the clothes. I said stop. Give me that. Give. Give. Give. Give. Give. Give. Give. They're gone.
56:39stop you're crunching into the mic you're being weird man okay stop trying to be a character are we here to fix your finances yeah we can have fun but are we here to fix your finances focus up i'm focusing chase card amazon account great yeah the last thing you need is okay it looks like this one's paid off every month too so we're really dealing with like those two aggressively bad ones at the beginning but 164 balance but not really you pay it off on a monthly basis but it That was$164 purchases and 75 cents. And it's Amazon, Amazon. Okay, pull up your Amazon app. Let's see it. 26 % interest.
57:13No fees. You pay this off every month? Yeah. Is it a more or less or do you pay it off every month? To be fair, I do share. No, how would you answer the question to be fair? What the? I share an Amazon account with my mom. Hey, you. Look at me. My job is to sit right here and be the absolutely stunning figure that I am. And some things I just can't help. like my incredible ass, which is why you're all here, of course, but also some things are in my control. For example, the pearly whites. I yap a lot and some would say too much, so I get it. But listen, if I'm going to yap, my teeth may as well look pretty damn good.
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58:22Do you pay it off every month? I don't give a f***. You pay it off every month is all I care about because it's in your name. Yes. show me okay you want me to bring up because Amazon and Chase are separate technically because it's through Chase Bank and then the Amazon app where you purchase things okay okay but the purchases are also going to be my mom's purchase and she pays with that's okay okay okay hold on all these glove things and that's my mom little artistry things and clothing and coffee and cowboy hat you don't have any subscriptions I don't. I'm actively surprised. But that's not true.
59:01Actually, that's a lie. I do. Okay, well, nothing subscriptions on there. I have an Xbox membership for the Game Pass. There is more gaming. I was thinking about turning it off because I'm not really into Xbox anymore. It's all about PlayStation. But I do have a gym membership, but that does get reimbursed every year because of my health insurance. And I'm okay with gyms anyway. I get a back. It's my Blue Cross Blue Shield. Shout out. Okay, what is this? put it straight second look at it what is this sorry oh no no yeah yeah what is a nine thousand seven hundred ninety seven dollars and fifty four cent balance um can i look at that or no oh my you don't know what your third loan is out of three nine thousand is this the car you said you had a car yeah i'm sorry i'm sorry i i forgot that i've been paying it off because i remember it being significantly higher because it started off at$18 ,000, now it's at$9 ,000.
59:58That's why I got a little confused. Yeah, it's for my car. My Subaru. My Subaru Impreza. Oh, I need someone to just come in here and just, like, double-hand this. Oh, man, this is nice. What? I was, I don't know. There's no one else in the room. Yes, there is. Lindsay and Jake are both back there, and I'll take both of them. $9 ,797.54 is your car. That's at a 10.39 interest rate. You didn't need this car. You got rid of your last car. I know. I should have got a car. When did you get this? I would say three years ago. What's it worth? Originally, I had bought - What's it worth? $20 ,000. No, it's not.
1:00:39Right now? What's it worth? I don't know. Do you have your VIN? Not on me. Do you know it? Not by memory. Do you have it somewhere? Here. Yes. We don't need it. It's okay. It's until the end of the decade until you pay this off. minimum monthly payment 261 so you include that with your first and your second and we're already at almost$700 in minimum monthly payments I don't know if the f*** you could afford that one last month you were earning $1 ,200 or whatever yeah I that's why you spend more than you make on a monthly basis and why your debt's going up my debt to income ratio is not good that is true why are you here?
1:01:18I do want to kind of get better with budgeting because I know if you better with budgeting you haven't even started budgeting though i know but yeah but that's better with budgeting why haven't you at least just started um i i think i've just been putting it off because it's just inconvenient i'm gonna be honest how isn't being in debt inconvenient is i having negative money in your checking account inconvenient what are you talking about well just because it's a involving other people it's not just myself your budget well no like because the loan and stuff like that so what um because that one involves other people so it's less inconvenient because it involves other people having to tackle that specifically that is inconvenient but everything else i i definitely have bad habits here i can't help it i'm i am a makeup girly and i'm a gamer gamer girly what the f*** are you talking about you $6 ,000.
1:02:14That's girl math. It's not girl math. It's stupid. It's stupid. You spend$5 ,000 more than you made. Like, I don't know at that point. I was thinking. That's not girl math. I was thinking about donating plasma. It's not. Listen, your income's not great. You live with your boyfriend. You guys split rent? Yeah, we were hoping to leave there soon. Okay, and go where? To take out a mortgage for a house, but we're still trying to get pretty poop. You won't be on it, will you? Yeah. No, he's doing it. This is what I told him. Do not let the f***ing... He's doing it. He's trying to see if he can... Pair, get to you.
1:02:52Buddy, if you are watching this, no! You cannot allow her to be on a mortgage with you, man. You cannot allow her to be on a mortgage with you. You're lucky. You have like$100 of equity in this car. It's worth about$9 ,828. Okay? Okay. But the interest rate's horrible. You cannot get on a mortgage with him. He cannot. First of all, you're going to bring down his rates. Yeah, we're both thinking about getting second jobs. How's the car doing? It's pretty good. I would say slight damage. How many miles? I think it's... And what's the damage? It's either$48 ,000 or something. And what's the damage?
1:03:37Hit and run. Someone hit the front of my car while I was at work. At least you have airbags with you wherever you go. Yeah, it's not, like, too bad. It's just, like, there's a scrape in my car, but everything else is fine. I was working a 16-hour shift. I'd come back, and my car has a scratch in it. Is that all your debt? So you have three debts, really. I feel like there might be an additional one we're forgetting about. What? It would be yours? I don't know. I don't have your life in front of me. because there's the the loan the car um credit cards i think that should be everything i mean you have a current balance well at the time of the statement of 1827 yeah that's because it's rent because um because i have to pay seven something for rent so this is having enough in there for rent okay venmoing out ten dollars and 61 cents microsoft ultimate $21.
1:04:33Yeah. Game pass. How do you do this? Practice. Yeah, it's going to take me a second. Cheers. Cheers. Liquor. No, no, no. Actually, no, that's for therapy. Or no, is it cheers liquor? Sorry. My bad.
1:04:55You went and got some bullshit from Target. That's true. More bullshit from Target, and we've done that endlessly. I love Target. There's more liquor in PayPal out$2.96. Oh, my. What? To be fair, when I, I usually get reimbursed for when I would go do liquor runs. That's not for me. I said one of them. Wait, but the deposits,$3 ,000 of it was from Fidelity. What was that? That was. What? That was an old 401k that I had. No, no. From when I was 18. No, no, that's incredible. That's incredible from 18. from 18 is exactly what you want from 18 is exactly what you want 18 to 59 and a half to compound growth on that is incredible incredible you withdrew it you withdrew it all yeah no that three thousand dollars would have been like 25 000 yeah it was those it stopped coming what are you doing it was sitting in a a rollover uh ira rollover because i was working at chipotle when i was 18 and i'm obviously not why'd you pull it out why the possibly i know you didn't make enough money you spent way more than you made but why the did you possibly pull it out to buy a pc oh my so you're not getting rid of game pass pc i thought i'm a playstation girl now what the so you can actually use the game pass on pc that's why i said you're not getting rid of it yeah i oh my gosh do you you can't you don't comprehend a lot of half the things that are said to you i need to call that out so that you can be more conscious of it my therapist said i'm a little slow not like not like mentally delayed but like hearing slow like
1:06:46okay so you got a brand new pc even though you're uh as different as rainbow color great but you said you're a you said you're a uh playstation girl well my boyfriend bought the playstation for me so i didn't have to buy it yeah but why do you need a pc then yes it's better okay but you said you're on playstation that's your thing most of it was um i wanted to use it for video editing i oh what the what video editing do you do i i used to be a little tiktoker but now i'm trying to move to youtube oh you are um you're not here promoting yourself because you're using a fake name so we're certainly not gonna share no no no you mean tiktok um how many followers did you have on tiktok over 100k and oh that's that's great so i needed like two monitors and But I don't know how to make the second one work So it's low-key useless You don't know how to make the second one work?
1:07:43I bought a bunch of cords You have a boyfriend though At least a second set of eyes I had to buy a new desk because I was using I was using an old desk that my mom gave me You pulled out of a 401k to do this Not to survive Not to put a down payment on the house To be fair Like a thousand for a desk A new PC Keyboard, mouse So that's pretty good For video editing, you didn't need this whole PC? Did you have a computer? No. Where the f*** did you get that from? Where the f*** did you get that from?
1:08:21What's your PC? What are the specs? Let's take this conversation. I don't have the specs memorized right now. What is the processor? You don't even know. What's the GPU? That's going to be primary. I know it's high. For video editing, the GPU is going to be the biggest part. What's your GPU? I don't know. You don't know your f***ing GPU? I don't have it memorized. It's not even... I know it's good because I looked up all this stuff. But you don't know what anything is, so I don't know if you would know. I looked it up before I bought it. Yeah, but who knows what the f*** you looked at when you looked it up.
1:08:55I have to take a f***ing sh**. So what's in your retirement today? I don't think I have a retirement account set up at zero. Oh, f***ing. I was supposed to set it up. Logan, what are you here for? What's your intentions here? I do generally think I can learn some things from here, but I feel like maybe there's a little bit of some, what's the term? Not boundaries. Stuff getting in the way. Oh, stuff getting in the way of you learning? My therapist said I'm a little slow. What possibly? So I'm hoping to figure all this stuff out so I can start a family and then pursue like social media. You want to start a family?
1:09:37And pursue social media. Not, yeah. No, you're not in a position for either of those things. You can't even afford to pay your own bills. You're spending more than you make. You're taking money from retirement. There is no way for you possibly, possibly to start a family, get a house. I grew up. Why are you pursuing social media? What the fuck do you do? What's your talent? TikTok is easy to get. Is that how you got following on TikTok was art? Yeah, so. Is that why you got following on TikTok was art? Yes. Let me see. You want me to see the TikTok? Yes. You can have. Let me see right here. Art.
1:10:10I'm not five. Don't look at the ones of me. Those are bad. Only the other ones. Well, that's what I'm trying to understand. You're not here to plug your shit. I'm not allowed to. Exactly. No, my voice. Don't do that. Don't lower it, please. I hate my sound on my own voice. I'm just going through here and I don't understand. why you have followers oh dude no sub you're looking at all the bad ones you're kind of attractive when you look like a normal human being that's so mean what isn't that a compliment why are you sharing screenshots with people of people it's conversations what are you talking about because screenshots oh no that's so there was like an art drama that happened involving someone trying to spread a misinformation about another artist so i was like in that Why the f***?
1:11:05You're one of the weird internet drama people. I don't know if I want you to be here. Well, that's a long time ago. Your YouTube is basically nothing. Yeah, I haven't posted in a while. I've been... Well, I mean, a month, but that's... It's like your YouTube is... I know it's going down because I haven't been posting the content that they like. No, your content is just...
1:11:29They're just drawing things? So that's artwork that I made. Okay, I don't know. yeah you can pull it up a 401k for a gaming PC I mean at that point I just don't understand and you can't describe to me what you want so like I honestly I'm not gonna do it I'm gonna finish this but I have almost no desire to because you can't actually adequately describe what you want and I only want to talk to people who want help even if they're a little freaky but you're not even able to describe what you want out of this well I definitely wanna I do wanna have a better future than when I... What can I do? I know you said you were going to present all these tools and...
1:12:09Yes, you get our classes. You get all our classes for free. You get a simpler budget for free. We can give you three free therapy sessions with Sondermine. I can get you a course career certification. All the stuff that our audience loves, all the stuff that I love. Yes. That's the reason you came on? I think it's if you can get opportunities to be better regardless of how silly they might be, I think, they're productive. What about this conversation? I think acknowledging that you have a problem is the first step of being better. So you're not listening to anything I'm saying then. So we're not making an impact right now?
1:12:40This is an impact. You give a lot of tough love. What do you want from me? I want a better understanding of how to improve my debt over time. Okay. What about the retirement front? Because you just f***ed it. I was waiting. Well, obviously it's past the time. I know some 401ks you have to wait until you're over 21. But now, obviously, I'm 23. Is that what the point of a 401k is to save for a few years? No, I'm just saying. Then what the f*** are you talking about? When did you pull from your 401k? Oh, it was that last one's statement. Yeah. How long have you been on this channel knowing we existed?
1:13:20Just a little bit. Was it before or after that? I would say after. That's insane, dude. That is fucking crazy. Then there's PayPal. It's TikTok Shop, Adobe, Best Buy, McDonald's. There's your fast food. Best Buy is$191. Adobe is$280. The fuck? Huh? TikTok Shop$193. What? That was the desk. A TikTok shop? It was nice. I used to get free stuff from TikTok, but then TikTok got like... I actually have savings of$319. your debt is not the absolute worst situation compared to a lot of people on the show. The business situation that you did with your friends is the dumbest thing I've ever heard. But then you pull out of your 401k and you act like you're just a moron with so many things.
1:14:10I don't understand. I can give you a debt payoff strategy but you actually have to be someone willing to do the debt payoff strategy. I mean, I feel like I can... You pulled from a 401k recently. I can learn. You bought a gaming PC from your pulled 401k. I used to be a straight A student. I don't give a fuck. It doesn't matter anything. You could have been a great A student at this special school. Like, I don't know. No, I'm just saying. That means nothing to me. No, I said I can learn to be better. I just have to use my left hand for any kind of paperwork movement. No. No. Where's the budget?
1:14:48You did. Oh, I can't grab things. total income I guess we say$2 ,500 what's your portion of rent on a monthly basis? $1 ,550 and I pay half $775 okay your debt payments $698.11 what about utilities? how does that work in this house? we don't have to pay utilities or water internet? how does that work? he pays for internet, I don't pay for internet how much do you spend on a monthly basis? I would say I pay like$35 per week because I have to drive really far for work because I wanted to work at the nicer target and not the ghetto one. Yes, okay. I guess that's better for security. Car insurance.
1:15:32Car insurance is roughly around, I think,$275. I could be wrong, though. It's definitely within that range. Phone bill. I don't pay for phone. My mom does. Well, when you're off of that, make sure you do helium for only$15 a month. Okay. Same towers as T-Mobile. I allow you to contribute$300 to the food pile and$100 to TP fund. That includes makeup. That includes whatever you got going on over there that you need. Medical, health care, anything on a monthly basis that you need. My mom pays for that. But you're talking about expenses. Just therapy. How much? $25 per session. I only go every two weeks.
1:16:11$50. Okay, anything else? Pets? I only have partial custody of my dog. Do you pay for the food? Sometimes, but it's been sent. How much? Like 20. A month. Okay, let's say that. Does he have dog insurance? My mom pays for the dog insurance. Okay. See, this is that. Honestly, a part of this conversation is suggesting more as to why your language is what it is, your knowledge is what it is, your dismissal, not dismissal, but your confusion, lack of being able to just comprehend things, is because you are mama's little girl. And you're also taken care of by the boyfriend. You're just taken care of by people.
1:16:52You don't do anything. You're not responsible. You've never been responsible. You've never had to deal with your own shit. And if you do, there are people that bail you out. And people always take care of things, and you've never been an adult for one time in your life. And that, literally, I am so glad we made this budget because that explains everything. That explains this entire conversation so far. It defined it. you're a child. My mom doesn't like you and she doesn't like people like you. I don't care. I've never thought about her in my life and I never will again. I think it's just because I grew up pretty poor.
1:17:34So I think my mom's just making sure I have everything. I did too. But guess what? I'm not enabled. Yeah, you have an extra$141 on a monthly basis. It is going to take 212 months to pay off your debt. Oh, she doesn't even care. No, no, I'm listening. 17 years. So that's your debt. No, in reality, you need to go make more money. You can social media on your free time, but you need to go work 60 hours a week. I was at one point. No, do it again. Congratulations. Do it again and then start paying off your debt pretty aggressively. Make sure your friends pay for this debt. Yeah. Have that conversation.
1:18:12I can maybe call one in the post show and confront them. Oh, no, no. Don't do that. Don't please. Maybe. We'll see. Don't do that. I like to call and confront people in the post show. So, yeah. You got to pay off that car and bill card. And hopefully they take their responsibility. But don't get into any more business situations with these people. And you just need to grow the. I don't think you're ready to have a kid. I don't think you're ready to get in a house I don't think you're ready to get married I don't think you're ready for any of the stuff that you are talking about It's just tough because Spending in a budget you overspent 0 out of 10 debt That's not the worst Your income situation is bad so I'll give it a 2 out of 10 Emergency fund You have barely anything retirement You just pulled it 0 out of 10 real estate 0 out of 10 hammer financial score What were you going to say?
1:19:06I'm just saying there's A biological limit for like when you can have kids Yeah, but it's also, you're 23. Well, they said the younger you have kids, it's better. Of course, of course. But you're 23 and we live in 2025. It's not 1802. Yeah, my mom had two kids by the time she was my age. Uh-huh. Also different times. My parents, and that's probably why they were poor. Mine were 18 and 19. That's why they were poor. And my mom was 19. Exactly. My mom was pretty young. Okay. Hammer financial score, one out of 10. Guys, come to the post show. We'll usually have some kind of fun confrontations. If she allows me to call these people, I'll call them.
1:19:42Probably going to call someone. We'll figure that out. I'll throw up on myself. I don't care. This is what you deserve for eating carrots. Caleb. Caleb. This is what I used to look like. Oh, right. You're going to keep it a little bit inside. You look great today. That's the point. People have said meaner stuff to me online. I'm not trying to say anything mean. Okay. To watch the financial audit post show, click the join button below.
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