"High-Value Woman" Is Actually For The Streets | Financial Audit

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23:18Go to YREFY.com slash hammer. That's YReFi.com slash hammer. Or call 888-YREFI-78. That is 888-YREFI-78 and see how they can help you move forward with confidence. Okay, tell me what happens. Tell me exactly what happens. Okay. I get nauseous. I will pass out on the floor. I actually have passed out before. I get so weak that I can't lose. Then we're applying for jobs more than just three months before. If you were there for seven years and you knew this was an issue, you have personal responsibility in this. Well, the POTS didn't actually start until about three years. Okay, when did you start noticing this?

23:54About three years ago. Okay, so you had three years to do this. And I've been slowly over time. But it POTS. Last three months. POTS relapse. like POTS goes into remission. So I was like, okay, I'm fine. Nevermind. Well, you just told me it goes into remission. Yes. Which means it can come back. I didn't know it went into remission. Like, I didn't know that was a thing. I thought, I had POTS. I was like, okay, I think changing my diet. It went away. It was great. I had no idea that it could come back. I didn't know much about this. I emphasize with this. But the fact is, there is personal responsibility on this that you are not willing to acknowledge that people are out there probably like, like they'll be like oh she's a victim oh look at her no we have to recognize the personal responsibility i can empathize with the pot thing and that sucks and that really does suck we then have to say okay this is our situation now what do we do do we give up or do we do something what's to do something if i'm diagnosed with something i'm talking to doctors and i'm reading books to further understand it the fact that you did not know anything about your own condition about that simplicity of relapse and coming back is on you yeah and it's because like The fact that you had it for three years and you did not apply for jobs that would get you off your feet is on you.

25:05The fact that you had POTS is not on you. It's super hard to diagnose. That's why. But you were diagnosed for three years. I haven't been officially diagnosed. When were you officially diagnosed? I haven't been officially diagnosed yet. I am going through the process of FCAing doctors. How long have you been in the process? Since about three years. Okay. Yeah. But you're confident to say it's POTS. Yes. Okay. if you were able to confidently say it was POTS then, then you would know to get off your feet. It is not your fault and your responsibility for having POTS, but it is your fault and responsibility to then do something about what your life looks like around it.

25:43So I quit my job. So now - Which is a job with nothing lined up because you decided within three weeks when you had three years. Come on! But I already did it. Three, three, three. Three years of knowing it, three months of looking for a job, three weeks of knowing you're going to quit and had nothing lined up. It is just triple threes of just honestly doing this the wrong way. And you were showing this as a very clear example. Again, I am not saying you are bad for having pause. I am not saying you are bad for wanting to quit. I would have encouraged it. You are bad for how you went about this and you are putting, this is a very clear financial audit example of how not to leave a job situation when you cannot work at a job.

26:21And the fact that you are not willing to accept that is... I mean, I know it was bad just if I stand by it because of everything. Like, I do not regret it. You should. Because you should regret it and say you would have gone about it in a different way. I guess we'll find out in a couple of weeks, but so far I have not. The fact that you don't regret it and you wouldn't gone about it in a different way does not line up for success in the future. That you will not repeat these mistakes again when the next thing. I mean, this was the first time I've done it and it's been seven years. So I think that's like the first time I've ever like just up and quit a job.

26:54How many jobs do you apply to a gym? I applied only to a couple a day.

27:02There isn't a lot of jobs at the moment in Fort Worth. Object. As far. Oh, God. I mean, like as far as like that I'm qualified for that I can. What are you qualified for? What's your education? I don't. I have a GED. I mean, I do it by a high school diploma. Good enough. But you have seven years in a management position. Yes. In food service. And I've applied, but previously I've applied about 20 different jobs through LinkedIn and Indeed. About 20. And I've had enough. What the f*** are you talking about? I've had none of it back. No, you should be applying to 20 an hour to try to hear back. It is a tighter job market, but traditionally it is still considered in a normal job market.

27:44It is not 2021 where you could walk in and get any job in any company. It is back to where it is. But it's not. If you think this is bad, you have no idea what a job market is like during a recession. No, I don't. I mean, I haven't applied for a job in seven years, so I have no clue. But again, this is basic education stuff. You can look at job interview. You can look at job interview on YouTube. I have been, and they've been. Well, there we go. So what is the, I didn't apply for a job in seven years? Like, I don't care. You have so many resources. I've been applying. Like, I've applied to quite a bit.

28:13Now hiring positions are 8 ,800 on Indeed for Fort Worth, Texas. There are 64 ,987 job openings in Fort Worth. Now, some of them are probably GOES positions. GOES positions. But even still, with 64 ,000, there are some. I've only ever heard back from two jobs, and they were both MLM job. They were insurance companies, and they were MLM. Yeah, I got. Well, listen. I mean, that's what happens when you apply to 20. 20. 20 is unacceptable. I thought that was like the average of what you like. Average of what? I don't know. I consider that a lot because like. Why would I give a fuck what you consider?

28:50Well, I mean, you're saying like that's ridiculous, but I had no clue. Like it's 20 jobs. I think that's a lot. You don't think the more you apply to, the better chances you'll hear back? And I am. I'm continuing to apply, but. You've applied to 20. Yeah. And I feel like that's quite a bit to not hear back from anything. No. Because back when I first started applying to things, I did only five and I heard back immediately from most places. Yeah, but you're doing food service like Starbucks. I was applying all sorts of things before. Okay, well, you took Starbucks, so clearly the other ones didn't work out anyway.

29:18Because it was the highest paying. And just service industry, which I don't even know if you can do that. We are seeing at least, indeed, 19 ,000 open there. And a lot of them are service industry. I know. That's the hard part. Because the administrative ones aren't, I don't have a qualification to a lot of them. This is what you essentially have to decide. And you can go either way. I will support you and you can decide what you want to do. doesn't mean I think it's necessarily right. But here's what you could decide. I'm a victim forever. Okay, go get on disability. Good, live at home forever.

29:50I don't think you can with POTS. I don't think - POTS, I don't even know. Yeah, I don't know if that's - POTS, I don't even know. But you could at least start seeking out services. And give up. Go for it. Live a horrible life. That's up to you. If that's what you choose, you're a human. I will support you. Or you decide, okay, I'm going to stop complaining and being a whiny little b****. I'm going to go out there and actually get s*** down and set up 20 job applications in the three months that I've decided I'm going to look for another job. And now that I don't have a job, I am trying to apply to more, like, anything that I can get into because before I— 30, 20 in three months.

30:22So 20 divided by 3 divided by average of, what, 28 days. Okay, you've applied to 0.2 jobs a day. You're doing really well. You're doing fantastic. You're really just on track for living the career of a lifetime and what you want to do. And now that I don't have a job, I am like being like, okay, I don't really have the luxury to really pick and choose now. And also you do have to make at least enough money to pay your minimum payments and not blow all your food. But I mean, you don't budget to save your life. Today, yesterday I did like do a ghost tweet. Can I tell you, I do not care. I do not care.

30:56No, no, I do not care what you did yesterday. That was the day becoming on financial audit. If I was going on the biggest loser where they lose weight and I started dying it a day before they came on. You didn't get any of the statements of that. But why would I want those statements? What I'm saying is I didn't do it because of financial audit. Why, lady? I don't give a s***. I don't care. I do not want to see what you've done once you knew you were going to be on the show where I would call you out. I want to see what you've done right before you were on the show. Because that is what real you actually does.

31:27If I was going on the dieting show and I started dieting a week before I went on the show, that is not indicative of what my behavior actually is. Well, you're not going to like probably what I'm saying. Listen, what you open this conversation with and what I have on this note as well is like, which means you brag to me and you brag to the producers separately that, oh, I applied for a job at a local city and I hope I get it. That's not how jobs work. I'm glad you're excited about that, but you do not get to apply for a job and then just wait and see what happens. You have to apply to every job ever.

31:56I didn't just stop after that. I've continued applying, but that was just when I saw pop up and I was like, oh, cool. That's a neat position. Let me go ahead and apply to it. So tell me then, what is your plan until you get a f***ing job for income? The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial Audit post shows. Exclusive and uncensored financial audit episodes. Our call-in show, Hammer It Out. and brand new shows, Fat and Fatter.

32:42Behind the Audit. Hammer vs. Internet.

32:51And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at HammerElite.com, and we'll reimburse you for the first month with a$10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea, this one isn't for you. Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay. It's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today, for free. Um, well, I don't want to do only f***s.

33:33Okay, well, that's good. Neither do I. I've had people ask me that, and I would like not to do that. I'd like to stick to DoorDash. People have asked you? Yes. I'm a content creator, and so I've had people. You are? Yeah. We're not plugging your shit. No. What content do you create? I'm a cosplayer, so I do a lot of different cosplays. And they've asked you to put out the boobs? Oh, yeah, absolutely. You never have? No. Good. I would like not to. I don't recommend going down that rabbit hole. It helps that you live at home. But again, they are enabling your ability to just spend an infinite amount of money when you don't have it.

34:09I mean, at least I don't have a rabbit hole yet. Oh, my goodness. See, look, even they read that because in their notes, which I didn't review before coming on here because I go in blind, they also thought from their onboarding conversation with you that your family is enabling you. And they have a specific note in here that you don't think so. The fact that we all called that out separately, that shouldn't say something, lady. I mean, they don't know the extent of everything. So how are they enabling if they don't know? Because they're not willing to find out. They just leave real busy. Exactly.

34:38They're just leaving you alone, letting their daughter fail in life. That is enabling your bad behavior. I mean, I think I'm like. There's multiple ways to enable bad behavior, lady. It's not just them knowing everything that's happening and allowing it. I feel like I'm the favorite child. So it's like the others are okay. The Burlington Coat event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good.

35:11We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. What? I'm doing better than the other. I feel like I'm doing better than the other. the ones are literal addicts under a bridge. What are you talking about? Because that's like the next step. I mean, I don't want to throw them under the bridge, but yeah, I think I'm doing better than them. So I mean, possibly in no way could you're jobless in horrible death. I just became jobless though. I had a job for seven years. That was sure. But now you're jobless.

35:45You you've lived at home for the last two years. Couldn't live on your own. You're incapable of speaking. How are you the one that is better off than them? My sister still lives at home as well. Oh, for f***s sake. Okay, yeah, your parents are not good at this part. They may be nice. They might do a lot of things. They're amazing. I love them. I'm sure they're great parents in a lot of ways. They are bad. I mean, she is the younger sister, but yeah. They are bad at converting their kids into adulthood. My brother's an adult. Well, congratulations. My brother's married and moved out. Guys, 33 % success rate.

36:17That's... One out of three. Not too bad. Could be worse. Could be worse. I feel like it could be worse. I mean, yeah, that means we're so good yet. So I think it could be. Why are you saying yet? I don't want to do. Did you say? Well, I mean, if I if it gets to the point that I like really have to with finances, but I don't I don't want to do that. Stop. That's why I'll continue planning your plan, though. Your plan is to get married to someone you're not even dating yet. And that's when you're going to move out and be OK. He has. Yeah, he could be. Girl, you can't even stand up. And of course you've given up all the Starbucks benefits like college being paid for and stuff like that.

36:56Yes, and I did consider that, yeah. I was part of ASU. Which, again, I would have put, you're already a part of a college? Yeah. So you're going to school? Yes. You gave that up? Because that would have been a much easier way to transition into a new job field. Yes. And of course I'll gift you a course career certification to help you get into a career field of your choice. Yeah, I just started last year, so I already knew. Great, so one-fourth of the way, that's great. And so that's why when I quit. And you could have done summer classes and you could have sped it up. Yep. And that was the plan until left.

37:26Oh, dude, why? The store manager and everything. So you're throwing away your f***ing life. Well, I mean, I'm applying to, before I left, I was applying to jobs specifically that had tuition reimbursement and college education. That way I could continue without taking out a debt. And that's still my plan. But obviously. Okay. I got to get into your finances. I'm going to look at your resume by the end of this conversation. Actually, I'll look in your resume in the post show, and I think I'm going to call your parents and confront their dumb in the post show. It was a very nice paper. Thank you whoever printed this on fancy paper.

37:57My dad might be available. You interrupted me talking about paper, which was much more interesting to me. What do you think your financial score is? Zero to ten. Zero being the worst, ten being the best. Zero point five. If you want your financial score, take the assessment. It is free. You can take it at CalebHammer.com or DollarWise.com and make sure you sign up for the DollarWise app. If you do not want to be like a guest who comes on the show, take your free trial now, sign up for the annual version, and I'll sign our budget-friendly cookbook and mail it directly to you. And if you want to take advantage of all our educational programs and the premium version of the budgeting app, all you have to do is sign up for DollarWise Central, which saves you 80 % at dollarwise.com.

38:34And don't forget, if you want to come on the show, go to calebhammer.com slash apply. Those freedom cards are insane and preventing all ability of freedom for you. I mean, this is crazy. I did not realize the interest goes up on that. I had no clue. What do you mean? What do you even mean by that? So it's now at 28 % interest. When I opened it up, it was at 2%. Yeah, it's variable. When rates go up, it goes up. When rates go down, it goes down. It was probably at 30 and now it's down. It's probably gone down. I had no clue that that was a thing at all. And because I was doing about$300 monthly payments and the interest, I think, was like at 48 at the time.

39:10So it was going down. Like$48. dollars like the interest occurring on things so i was paying it down and then one day i realized that it kept going up and that's when i realized oh it um that's your question this is out of pure ignorance and i'm gonna look like a piece of but i need to know what in the brain are you just twist your tongue up it's up here twist your tongue up to the top of your mouth why do you why does your tongue going like this convert into wah, wah, wah. Because the R and W sound the exact same in my head. In my head, I cannot tell the difference. Yeah, but just put your tongue up, even if you can't hear it.

39:50Yeah, there you go. Road, road. Whoa, she got an R! Guys, I've solved speech impediment. She literally f***ing did an R. And I can say it with certain words, but not all of them. Especially if it's in the middle of a ward, it goes, I have no clue. I don't hear it. Yeah, but you know it exists. so you just train it so go eh instead of ooh trust me I've spent hours trying to solve this if you could fix it that would be amazing I just did I did you did it but it comes and goes it fluctuates and I have no clue I'm not the only one I'm just one you know my other co-worker had it for a while she I mean a while she fixed it did she sit down with me and I helped but she when she was working with us she had it and they couldn't understand us how long does this take to pay off if you only do minimum payments payments and you don't spend on it, which, by the way, you're incapable of not spending.

40:40It was, I think, 20 years? 23 years. Yeah. 23 years. So you'll be no retirement, still living with the parents of their life. Hopefully they are. Hopefully by that time I have a husband. Again, who would pick? I'm sorry. I mean, I am pretty. This isn't based on your personality. I think I'm a catch. Like I cosplay and stuff and I'm into notey stuff. So I think I'm a catch.

41:04trust me not all guys look into finances like not all them are there with it you are but not all guys i've met some pretty interesting guys it would be out of desperation would it not like again is that yeah but i'm not i'm not getting not even knowing your finances you are careerless living at home who's choosing that to be their i mean i want a career and i'm going to pursue it. Well, you've done the only opposites. You've left your job that paid for school. My mom didn't get a career until she was like 45, 50. Yeah, about 45 was when she went back to school. So it's just consistency of failure throughout the family lineage, okay?

41:41Well, that was due to poverty and other things like them. Why? My parents grew up poverty-stricken and things and had to dig their way out. So it took a while to get there. You didn't, so. Yeah. I was but I mean so that excuse does not apply I mean I grew up with Duet but I I like spending I just I like well like I like buying things who is picking a discord kitten that does nothing but cosplay doesn't work doesn't have a career has that a lot of people actually you'd be surprised a desperate person I'm sorry listen and if you if you were in a better spot just this and this isn't you know about anything it's not about hobbies it's about anything that's to say you were paying off your debt, you had a career, you were going.

42:25I mean, I'm going to pay off my debt. Shut up. You do not. Oh, you're so annoying. If you were paying off debt consistently, you were spending properly, you had a career, and you didn't live at home, then yes, I could see someone wanting to date you. But who the f*** would date you right now? And for the last two years. And that's part of the reason why I am, like I said, obviously I'm here because I have debt. And that's part of the reason why, like, I want eventually when I get married, I want to be debt free. I want to go into that. Who would marry you? Obviously not. Not anybody probably right now that I want.

43:00So that's why I'm on the show. Great. So not only would no one choose to be, but you're also picky about it. I love those. I love those. Most people do. Well, you don't have standards in your own life. So I don't know what you're talking about. I mean, I do with guys. Well, thank goodness. So it sounds like we now have a 0 % chance. I mean, I'm sorry. it's just based on a situation it's not even based on you I'm just talking about how you're living your life who would date this on paper just the paper I could find someone that doesn't know about it when was the last time you had a boyfriend I've only ever had one boyfriend exactly so that was incorrect like I said out of choice because I'm picky exactly which means this is not working your standards are not working your life is not working they don't know my finances which is even worse Because once if someone actually who met your standard and was actually into you somehow slipped through that very quiet.

43:56Let me get my thoughts through. If someone just was over your standards and you were just under theirs and they slipped through, they slipped through that small crack and they didn't know. Then they saw this. They would run. So even if someone actually accidentally slipped through, they wouldn't stay. 20 ,000 is not that bad of debt. It's how you are doing it and not making any progress except for the last week before coming on. I've seen people with way worse habits and way worse debt. They have something that makes up for it. They have a career. They have a house. They're societally objectively attractive.

44:30They're, you know. I think I'm attractive. I mean, is it because the odds? Some people find me attractive. I wouldn't say I'm societally objectively attractive. Come on. Some people are going to find you attractive. Do you fit that societal mode? No. Neither of us do. That's okay. We can accept it. we can accept reality without being offended and being sad. You're incorrect. I'm sorry. This is just societal, right? Let's just like, there's, there's objective, like we don't belong on Love Island. Doesn't mean other people don't find us attractive, but we're allowed to. I'm so sick of this. I mean, in the class, there's not participation trophies on objective, like societal metrics, right?

45:05It's like, I'm sorry. Like the, the whole, this whole ecosystem of people being like, oh, you're beautiful no matter what. It's not helping anything because now we're just telling ourselves that we're beautiful when, no offense, I am objectively not societally attractive. And we can accept that. There are many people that find me attractive. There are many people that find you attractive. But what does that have to do with anything? Because what you are saying is you found other people that have a lot of debt and they're still finding people. They have something else that is making up for it. I mean, being in the cosplay industry and into pop culture stuff, that is a big video game art stuff.

45:41That is a big thing. Yeah, you might get a professional gooner. But I doubt that fits your standard because your standards are also here, even though they need to be here, if we're being real, because that's also something very much in the social zeitgeist today. Everyone's standards are here, but everyone that would accept the person whose standards are here are here. That is also a reality of what is going on. I'm sorry to say it. I'm not going to lower my standards. Of course not, which is why you've been single forever. But by choice. by standards. Let's talk about a tool that pulls Thanos snap on your bloated software stack.

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47:33Great. If father's saying that, father who enables us in every way whatsoever? Good. I mean, we'll talk to him later. I'll be too confident. Like, I just know what I'm worth. This is that, that endless, endless parading of telling everyone that they are so much more than they are. Now your self-worth is so much more than it literally is. Like, I'm sorry, this sounds so mean. This, I know this sounds so mean and so many people are going to take this wrong, but honestly, those type of pearl clutches we don't want in this audience because, fun fact, we only do real world and we're not fucking here.

48:06So listen, the reality is all that coddling puts you where you think you are so much more. And this happens in employments as well. Everyone at every job ever thinks they are so much more worth it and so much more impactful at their job than they actually are. Listen, this is what happens. I know I can improve. I know there's always improvement. Everyone, including myself, because we are egotistical beings, think we are always so much more than we actually are. That's it. Listen, if the show went off the platform, you know, a part of me thinks like, oh, people would be sad. I'm sure a couple of people would be for a couple of weeks and then people would move on in a week.

48:41We are not worth what we think we are. So if you're overconfident as well, does that mean you also like... Yes, it can make me harder to do things. Because if I set my standard here where reality is here, yes, I all of a sudden would never find it. That is reality. And I'm not saying you're a bad person. I'm really not. I know this is a long tangent. I'm really not. And I'm not saying you're an ugly person either. I'm not saying that. I don't know what sounds like it. No, there is the objective societal like, oh, that person's fucking hot, right? And that person gets a little more flexibility in how they're living life.

49:17Objective like society standards. Because you have Western society. You also have. You're right. A console doesn't sit down and decide. But we all are able to recognize it, right? Because what is like popular in Western society? standards. Okay, so you're going to get an Indian Prince? I mean, that would be awesome. I wouldn't mind that. Sure. Move to India. That'll solve all your problems. They love white ladies there. I mean, I travel enough. I could. Good, dude. Listen, ladies and gentlemen, the catch is over her credit limit by $202 on this car. That was because the interest hit. You better come get her.

49:53Yeah, the interest hit and I paid that down. The moment I got paid, I paid that down. Listen, guess what? That's what happens when you spend$331 on a f***ing maxed out card, you dumb tits. I didn't spend. It was the interest I hit. No, you did. No, no, no. Purchases $331. What do you think purchases are? Do you think when there's an interest column, which there is, and a purchases column, that they're different? Because fun fact, they are! I hit on my statement, though. It says$300 for the interest. And on your statement, it also says the Hamilton Theater, DoorDash, and Crackle Barrel, Legend Sports Bar, Whataburger, DoorDash and McAllister, DoorDash and Crackle Barrel, Dutch Bros, Nothing Bundt Kegs, DoorDash and Panera Bread.

50:38That's not interest! You f***ing... But it wasn't... So shut up with that. Like, it wasn't... Oh, you are... Over the limit. Oh, you're gonna ruin me. It doesn't... Are you actually... I'm so f***ing... Oh my gosh. I'm so sorry. Lindsay, may I draw? Because apparently we have to go back to Ella f***ing Mentory's school real quick ladies and gentlemen the catch of a lifetime she's waiting for you come get her good death she doesn't understand basic things here's a credit card balance whoa you're here you're here you're here oh my goodness it's it's pretty close and you know interest is gonna get wait oh my gosh can you please shut the fuck up there's this much to spend there's this much to spend that's exciting if interest is gonna hit oh i'm gonna spend up to here oh now it's just is going to hit, but we're at our credit card limit.

51:29What do you think is going to happen? It's going to go above! It's going to go above! But I didn't want it to be$300 of interest. Like, that's a lot. Oh, we don't know how math works, too. Yeah, let's continue to go back to elementary school, shall we? Yeah, I haven't been calculating and budgeting. Let's start a budget. Like two days ago. Week before I came in on the show. No, two days ago. Shut the f*** up! That means nothing! $1 ,500 is basically an interest this year so far. Shut the f*** up. I'm glad we have that. Guys, we don't have a job. We don't drive enough in DoorDash. DoorDash every five seconds of our life.

51:59F*** you! To be fair, those times, the times, not all the times, but the times I didn't order DoorDash was when I had a really bad flare-up and I pretty much can't get out of bed. So it looks like you get a bad flare-up every five seconds. So it looks like you better just... It looks like you better just give up. Just give up. Just give up and die. I mean, tell me the alternative, because that is what your excuse is. That is what you're telling me. I'm not telling you to do that, but you're saying I have to go spend money I don't have because a flare-up is happening. And you also, by the way, live with...

52:28That's how I figure out what... You also live with your parents, by the way. They could have made you a sandwich. Shut up. They were at work. You could have gone to the kitchen, made a sandwich. I can, like, bail... Like I said, like, I will pass out. But you can get up and pick up the DoorDash from the front door? Yeah, pretty much, but I can't... Then you can open the fridge and do this. But, like, standing up for too long, like, if I stand up more than a few minutes... The fridge is the same distance. An apple. We don't have apples. Then buy apples, you actual creature. I try not to do like anything with a lot of sugar or carbs.

53:03So I try to do like more meat-based diet for the health reasons because. Yes, keto is going so well. It was until I got off keto and then I'm trying to get back on. I mean, I just. It's just a lot. Like I'm doing my best. Again, like that's why I'm here because I want to. You don't, you, if this is considered your best, walk out the door. Well, I'm doing my best with what I guess. Walk out the door. I guess with what I have, like what I know. And I'm trying to figure out how to do my financial situation. You have the ability to Google things, chat GPT things, grok things, whatever the f*** you want to use.

53:34Exactly. I'm giving a thousand examples showing you that there are resources that you can literally type something in and it will tell you. I mean, that's probably why I'm here because I want the budgeting app. This is so much more work than you typing something into Google. It's an investment. I get budgeting app and I get the financial. You're getting money from this. What are you talking about? We pay for people's travel and everything. I actually did not know that until I... Congratulations. You're welcome. Yeah, so that was kind of nice. But, like, I wanted the fans, of course, so I figured I...

54:00Yes, you get everything. You get all the programs. You get the... Yeah, yeah, yeah. Listen, they get DollarWise Central at a major discount at DollarWise.com. You get it for free. Yes, yes, yes. Thank you. Thank you. I appreciate it. Yeah, so that's going to help. Like, that will help me try to... Yes, it will if you actually do it, but let me guess. Something's going to flare up as you're taking the class. I mean, no. I'm going to, like, I'm doing my... I'm trying to manage it. I was with you. Listen, if you can't walk up and grab something that you're if you know flare ups happen, you're prep an emergency stash in the fridge that you only pick when you get it.

54:33Yeah, I think you're the only thing you catch is a DoorDash order. That's all you get, man. It is easier. Sure, it's easier. And I wish you had an official diagnosis. No, that's what I'm trying to be. What would it change? What would it change if you did? Other than me just fully. Honestly. I don't know a whole lot because there's no cure for it. So I had friends that say to get it because it could. Like I said, you could do accommodations for a walk like that could be. Treatment. Is that what you're saying? There's no cure. There's no treat. There's really no treatment or cure for it. Even things that don't have cures.

55:09Many things at least have management treatment. Diet is a big one. And so that's what I've been like focusing a lot on my diet is cutting out. From those statements I literally just read. I'm eating more meat-based things. I'm not doing like processed food and stuff like that. I mean, lately I have been because I've just been busy, but. Yeah, she literally got Panera bread. That was when I was really sick, yeah. It's like low-fired hospital food and it's comfort. So when I was really sick, I got that. Okay, so you're a literal excuses for everything person and can never actually commit to anything ever in your entire life.

55:46I can commit. Very clearly not. Because the moment you say you want to do something, I'm like, oh, but wait about this. And you're like, oh, yeah, this happened. You will always excuse yourself out of something. I mean, that is how you live. It's not excuses. It's just what happens. Like, you asked me a question. So I'm telling you what had happened. Like what? I guess. Wayfair's big sale is returning. Get ready for Wayday. For four days only, score up to 80 % off all things home with free shipping on everything. From October 26th through 29th, score Wayfair's best deals. like up to 80 % off area rugs, up to 60 % off mattresses, up to 60 % off bedroom furniture, and more exclusive doorbuster deals.

56:25So mark your calendar and shop Wayday starting October 26th at Wayfair.com. Wayfair, every style, every home. Like the reasoning behind it. I mean, again, they know everything about your life, the producers, and they're just telling me. I mean, this card has spent 10 ,000 hours maxed out. Guys, was it a medical debt? Was it an emergency that popped up? Oh, it was the emergency of$7 ,000 to go to Scotland at the beginning of the f***ing year. I didn't spend$7 ,000. What did you spend? I mean, things probably accumulated, but I didn't spend$7 ,000. It's been maxed out since then. What a joke. I mean, this is...

57:08Well, I probably had like$2 ,000 before, like before hitting the limit. so it wasn't like a total of like I didn't spend$7 ,000 on just Scotland. Like it's probably a couple of years of things. And Scotland's necessary for survival. That cures pots. It was a fun trip. Oh good. I want to live and have experiences. You see how I lose in empathy if I had any honestly at this point? I want to have experiences in life and live and things and stuff. Not everything is about money and live. Not everything is about money but you're able to do the experiences with money so you have to sacrifice in order to get the money in order to do the experiences.

57:41Now you're not able to do any experiences like the experience of moving out and being an actual adult. You're not able to experience life because you are refusing to make any compromises in life. You will not enjoy the experience of having a husband because no one in their right mind, unless they're a desperate gooner who you wouldn't settle with, by the way, and you shouldn't, would get with you. So good luck experiencing that. Good luck experiencing having an independence of any kind. Good luck experiencing being death-free. That's your opinion of things. My opinion? My opinion. Just because you think that doesn't mean anything.

58:10What do you mean I think that? And I'm basing it off the fact that you've only had one relationship ever. Because it's my choice. Not your choice. The people that you would pick are not picking you. No, I haven't met anybody that I've wanted. Because they're not meeting you. You think it's only on you? You're rejecting people, right? Yeah. Right. Meaning that there are people coming. Those that would be interested in you, you're not interested in. Those that you are interested in aren't going to you. It is not working. I mean, I haven't found anybody that I've been interested in to pursue. Huh?

58:40I haven't found anybody that I've seen. Because they're not coming. Does she not understand this? Is she not actually understanding this? Why would they not be? Why would they swipe on you? Why would they come to you? I'm not on dating apps. Why would they approach you? Why would anything happen? Where do you think you are in this world? You think you are here. Everyone thinks we're here. We're not. Guys, all of us, we're down here. We're just people. It doesn't matter. We're not the, I don't know. I mean, I'll find somebody. I hope you do. I hope you do. Not who he's dead. I mean, that could be a possibility.

59:17Like my future husband, just not around. Yeah, let's use that excuse when we're alone and dying at 80. At least I would have traveled and seen the world. That's the thing. You won't. Because how are you going to be able to afford this? You put this on your credit card when there was$2 ,000 on it. Now it's maxed out. You wouldn't be able to put another trip on here. So you're not experiencing more trips because you're refusing to make the sacrifices necessary that put you in a position where you're able to travel more. That's what I'm saying is I want you to travel. When they plan trips and stuff, I don't want to miss out on it.

59:45Because when my friends are going and I'm like, well, I can pay it off later. It's been six months. You did not. And well, normally I... It's been six months. You did not. Before I was able to pay off a huge portion. It's been six months and you did not. It's been six months. It's been six months and you've been not. It's been three months and you have not. It's only gone up. It's over maxed out. It's over the limit by$200. The interest. No, because you're still spending on it, you dumb, absolute... Are you actually kidding me? You're DoorDash in 50 ,000 seconds a day? I'm only DoorDash like twice, two or three times.

1:00:15Incorrect. I read it, what, five times? And then there's still restaurant spending with that DoorDash. Come on, dude. It's just so f***ing stupid. Like, I don't even know. And I'm sure you're spending a s*** ton of money on this cosplay stuff too, right? What do you think you're spending on that? Unemployed. I mean, I'm unemployed, so I haven't been... How much do you think you're spending on that, unemployed? I haven't spent... How much do you think you're spending on that? Unemployed, I haven't spent money. How much do you think you're spending on that? I don't know. You don't know how much you spent.

1:00:44You go and swipe and you have no concept of imagination. Not on the current cosplay, no. I know the current cosplay I'm working on, no. What are you currently working on? Doing the Winter Soldier from Marvel. Yes. You totally look like Bucky. I do a gingerbread Bucky with wig and everything. Well, that is 2025 Marvel, so. I mean, I did it when it first came out and I really liked it. So I'm revamping it, basically. You made money off of it? No, I do it as a hobby. Unemployed. Great. I mean, I get, like, brands reaching out, and we do, like, they give me things and stuff, and I do that, but not, like, actual money.

1:01:20What, you got a plushie? I got a lightsaber. A fucking laboo-boo? I got a lightsaber. I've got a lightsaber. I'm trying to remember what else I got. I've got a couple different things. So, like, it's fun. I get experiences, and I get to meet friends and go to cons, so I really enjoy it. God, she's... I'm sorry. Like, what? Good luck. Good luck. I'm sorry. Just good luck, dude. I don't know. Based off this conversation, is there hope here? I like having at least a little bit of hope as we continue, but good luck. I mean, I'm not like hopeless. There's a discover card here. You're not. Congratulations.

1:01:54You live in ignorance. Before I, like I said, before I went into debt, I was really good with finances. So I know it can happen. I don't give a shit. I just need to like, I need a direction. I need to like help. I don't care. Sure. Brandon back there, you know, the translator, Brandon, who comes in and he's a part of our Hammer Elite membership. He he got suspended a lot when he was in middle school. I don't judge him for that because it's not middle school anymore. I judge him for today. I don't judge when you were good with finances if you're bad with them today. I don't give a fuck. But this is a Twitter or TikTok that punishes someone for what they did 15 years ago.

1:02:32We don't care about that in the real world. We're not weirdos. Sure you can, but you're not. I will. And Brandon could go get suspended again. He could. Anything could happen. I'm not preemptively firing him for that. I'm not preemptively saying, oh, good job. You're good with money because you might be in the future again. Like, that means nothing unless you actually do it. And you're not doing it. So I don't give a f*** at all. Because that's why, again, like, that's why I'm here. because I want to... Shut the f*** up. That's why I'm here. I don't care. I want to like get better with my finances.

1:03:08I want to know more and understand more. That's why, you know, so I've came to you, the financial audit. And why do you think we're having the conversation? Why do you think I'm calling you out on this? What do you think I'm doing? You think I'm just talking to talk? I'm calling this out so that you can understand what I'm saying. I'm pushing back on this so that you hopefully have a moment of realization that you're being a dumb with your money. I don't think I'm being that bad. I mean. Okay. And that's why she's here. To not listen apparently because she's discover. I can't tell you much about that one.

1:03:46I don't use that one as much but obviously it's still I think maxed out. I'm close to it. Discover $5 ,081.50 Yes, it is almost maxed out. Credit score. No one's surprised. Minimum monthly payment,$116. 20 years to pay off. You'll be a totally married 48-year-old by then. I'd like it to be lower. I mean, I'm going to start making more payments than just the monthly payment. Good, guys. Everything's in the future. Of course. Nothing that she's doing right now. What can't you do right now as I'm sitting here? Yeah, but you could have. Right as I'm sitting here, pull out my phone. You know what you're saying, right?

1:04:29You know what you're saying with this? Do you know what you're... Please tell me. I would like to see if you're able to do a little bit of mental exercise. What are you doing when you say that? When I say what? Are you going to pay off more of this in the future? Yeah. What are you saying? What are you doing when you say that in this conversation? Let's see if you're able to get there. Are you able to figure this out? I mean, obviously I don't have a job right now. No, what are you saying? What are you doing when you say that? That I'm going to pay it off? Yeah, what are you doing? Like change-wise?

1:04:54No, what are you doing in this conversation when you say that? I don't know. What am I doing? You're deflecting like mad. Any amount of pushback I give you, you say, well, I'm going to change it in the future. That means nothing. That is the deflection that is pushing off instead of actually recognizing what you are doing that is wrong and just accepting it and that you need to change. You just instead, when someone says something about what you're doing wrong, you say, I will change it in the future. It is the boyfriend. It is the girlfriend who never changes their behavior. Shut the up. I'll do better.

1:05:24That means nothing. Well, no, because you just said it after I called this out. Listen, your language is endless deflection. It is, oh, I'm going to stop your pushback by me saying, oh, I'm going to change it. Everything's going to be good. No, it's not. Look at your history. Look at where you are. There is not a single indication of behavior that would suggest things are going to get better. I hope they do. And I hope you take this conversation and use it. Many guests do. Many guests use this conversation to make their life better. And they prove it on the financial auto follow-up channel. But there's also many guests who come on the financial auto follow-up channel and they don't change their behavior.

1:05:56they get worse, even though they said they would, out of deflection. I hope you're one. I can't really get a whole lot of worse because I can't open more credit accounts and I can't spend more. Trust me, there's debt you can take out, but I'm not going to help you know what kind to take out. Oh, good. Spending on here, too. Yeah, let's spend on here. Well,$95.83 of interest is accruing. We're only making the minimum payments. Kendall, go to a library. You live in Fort Worth. I know there's libraries. And Google One. That's okay. You can have it, but put it on debit. Why are you occurring interest in paying a 22.24 % fee on your Google One subscription?

1:06:30I don't think I actually realized that was on my Discover. Great. Yeah. Why would we look at our statements? You literally just told me you started budgeting. You would know that this is happening. I started budgeting yesterday, so I'm still going through things. Okay. Nothing you say has any weight at all. I was waiting until July 1st to hit so everything would start new so I could see it and budget properly if that makes sense. Oh, good. You also went to Europe last year. Yes. What a joke. You don't care about your life. You care about the quick dopamine you get and the fun and little experiences.

1:06:56I mean, no. You don't care about the future of your life. You care about the now. I mean, just live a little. Yeah, the now. Exactly. That's what I'm saying. I'm not always going to be able to take that trip. Why? You don't know what the future holds. No. What are you saying? Well, my friends moved to Europe, and so we were able to stay with her. So financially, it was actually, I spent not a whole lot because I was staying with her. You still spend money. Yeah, but. You had to get the flight. You spent money. It doesn't matter if it was less. It was money you don't have. I paid most of that. You live at home as a 28-year-old failure.

1:07:29Exactly, though. I lived at home. You're a 28-year-old failure without a job. So I could just go and, like, I went to Europe. 19 days in Europe on credit cards is f***ing madness. I spent most of it, actually, like, with actual money, not my credit card. Oh, good money that could have gone to paying off debt. You are a 28-year-old living at home, jobless. But I got to go see, like... Jobless. I don't care if you saw a f***ing cathedral. That means nothing to me. and I will never give a single I went to like nine different countries you can keep talking and I will not give a single this means nothing and I will acknowledge it I don't care I don't care what you visited in Europe I don't give a f*** it doesn't matter I don't give a f*** it doesn't matter I still continue not to care keep talking I really don't give a f*** have you gone out of the country?

1:08:13yes I've gone to Italy, France, Germany and Austria it was great would I destroy my life for it and live at home as a 30 year old failure without a job no I don't regret any of it because like. Of course not because you're incapable of recognizing any of your flaws because you are the best catch that's ever existed in this entire world. My therapist thinks I'm doing pretty well in life. And you have a bad enabling therapist. No, I think she's doing good. This is this generation. You've been enabled through TikTok. You've been enabled through your therapist. And you think you're all that. You're nothing.

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1:09:50All right, let's get back to the video. As far as a human goes, in terms of the life that you are living, you are nothing, you are not a productive member of society, the rest of us will be putting, I'm going to have to pay more in taxes to take care of failures like you. You're only seeing what's on paper, you're not seeing like my actual actions. I'm also seeing the words and heard them, what you've said the last hour and seven minutes of my miserable life right now. One seven minutes doesn't tell you a whole lot about people, though. It actually does when it comes to a conversation about your life.

1:10:15Well, about finances, not about my life. No, we're talking about your life and what you've done. We don't know everything in depth. Like, you don't know all this stuff. No, of course not. We never will. But listen, there's nothing here that's been a good sign. Doesn't mean it's been a bad sign. It's all been bad signs. What are you talking about? Are you actually, are you, this makes no sense. I feel like you just living a home has allowed you to just be insane with your money. Just reckless. Just throwing your money away. You are nothing. For all of us here who actually do jobs and contribute to this world and live alone and pay property taxes, we are all going to have to pay more taxes at the end of our lives to take care of failures like you.

1:10:53I mean, I pay my taxes, so. You don't make money. There's no taxes to be paid. Well, I mean, I had a job. I was paying taxes. Girl, I promise you, I promise you, you contributed significantly nothing. How? Well, the top 50 % of earners in this country pay 98 % of all income taxes. You are not in the top 50 % of earning. You contributed nothing. Like I still pay taxes like everybody else. We all pay taxes. You probably don't. You're not in that top. You paid like a few hundred dollars of taxes. A couple thousand. Yeah, a couple thousand. And you also probably got a refund as well. This year I did because of being in school.

1:11:29So that's really nice. Probably use that tax refund and go to Europe. Actually, I use it to pay off a portion of the credit card. And then we spend it all the way back up because they're all maxed out. So I don't give a f***. That means nothing. And I'm sorry. It's not even a political thing. It's not even a... I know it probably sounds a little right-wing. It's not. That's honestly pretty objective. If people are f***ing leeching, and we already know where most of the tax revenue comes from, we know that we all who out there are working are going to have to pay for people like this who refuse to do anything their entire life.

1:11:59How are you going to pay for me, though? Because I will tell you. Would you like the example? Congratulations. Social security right now, it doesn't make money. All the money that goes in immediately gets paid out because it was denied in the 1990s to be invested in the overall market. Instead, it was put into low government bonds. Because of that, it never keeps up with inflation, meaning it was a service or a program that is not able to actually keep up. And they tap money from it. So because of that, there's not enough money. And because of that, we have to continue pushing retirement age. And by the time that we are in retirement, social security is not going to be able to sustain itself.

1:12:31It already takes up a massive percent of the federal budget. It is not going to be able to sustain itself, especially where we are with debt to income or debt to GDP ratio in this country. Good luck by the time we are 60 or 70, Social Security being around. OK, so what happens when you have sacrificed nothing? You've gone to Europe forever and ever. Instead of putting any money aside for retirement, you have a little bit, but certainly well behind. You could have been saving money for retirement. You won't have money. And then all of a sudden we're going to see a picture of you in a grocery store working and there's going to be a Facebook post that goes viral.

1:13:00Oh, she shouldn't have to work at 80. Shut up. I'm going to get my point done. The 401k is dramatically underfunded. It could be funded more, but you're going to Europe instead. And there's going to be an old picture of her on Facebook. She's going to be working at 80, being a store clerk. And everyone's going to be like, shut up. Can you mute her mic? She will not stop interrupting me with her dumb. Oh, she's so obnoxious. She will see that video. Someone's going to post, oh, she shouldn't have to work at 80. And you know what? I kind of agree. But little did we know, her entire life, she decided to go to Europe instead of actually preparing herself for retirement.

1:13:32And then we're going to have to pay more in taxes to fund you. And it was all your fault. Your mic's muted. Go ahead and talk. It doesn't matter. It won't be picked up. So it's an absolute joke. It's an absolute joke. And the rest of us, we don't get to live the lives that we sacrifice for because of degenerates like you. How do you know I'll live to 80, though? I hope you don't. It's kind of mean. Sorry, I'm worked up. I'm worked up because it is people like you that bring down the rest of society. I'm sorry. It really is. And I hope we can take this as a moment to change your life around so that you are a productive member and that you build the rest of the community up with the rest of us.

1:14:09But right now, you are nothing but a leech. Now, don't get me wrong. If your illness gets to a point where you literally cannot work, that is where I want us to support you because that was not your choice. That was not your choice. You know, let's say you're perfectly healthy in terms of the lifestyle choices you make and everything gets to a point where you're incapable of working. I want us all as a collective society to come in and make sure you can live a good middle class life because you did not choose to have that disease. OK, but if your lifestyle decisions make your disease worse, that is on you.

1:14:39And that's why, like, I am traveling and seeing things because I don't know what the future is going to hold. I don't know if it's going to get worse. That means nothing. If the future gets worse and you die, you won't know that you sacrificed to save up for a better future anyway. It doesn't matter. That's why I want to travel and see the world. No, that just completely went against what... Do you not listen? I'm just saying if you die tomorrow... I would die happy knowing that I got to travel. No, because you won't be happy because no one dies happy because you're dead. You're dead. You're dead.

1:15:07You won't know. It doesn't matter that you went on vacation. You're dead. It also wouldn't have mattered that you sacrificed for the statistical likelihood that you will live a longer life. It doesn't matter. There is a statistical likelihood that you will live a longer life. So go ahead and take the sacrifices now to live that longer, better life. We can go to Europe every single year because you sacrificed. When I'm old and like 80. I'm not saying that. I'm not saying that. You can probably start going through your 40s as well. You can probably take a few trips through your 30s as well. Every single year like you do twice a year now.

1:15:33Oh, good. You're planning another European trip already. Good. Good. That's fantastic. UK, not Europe. I'm so thrilled. There's a difference. Well, it's not in the European Union. It's in Europe still. Scotland. Not the mainland continent. It is still, in fact, Europe. They construct UK. Huh? Scotland? The UK is not a continent. Europe is in general, like... You think because they left the European Union, they f***ing left the continent? They're an island. I mean, they always consider themselves UK. Like, they are very specific about that when you go there, that they're United Kingdom, they're not Europe, so...

1:16:09Oh, my f***. Especially Scotland. Oh, she's... Scotland does not like to be part of Britain and all that. So don't consider it. Oh. Oh. Do you think the Florida Keys are a part of North America? Yes. 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. Are the islands off of Alaska? I mean, North America, Alaska. Unless Russia bought them back. And that would change it to being a part of Asia?

1:16:54If Russia bought them? I mean, if it was Russia, probably. Russia's also in Europe. Does that mean they would be in Europe? Russia is considered part of Asia. And Europe. It's in both. Oh, yeah, because it's half, yeah. Oh, my gosh. She's an idiot. Oh, f***. Ladies and gentlemen, the catch of a century. That part with the f***ing aspect. that side of considered Asia not here that's why I said it'd be part of Asia no that part that's why I said it'd be part of Asia oh she's a moron oh either way yeah oh what am I dealing with I mean you only live once so oh shut the fuck up that means nothing if you only live once you won't know that you sacrificed because you're dead it doesn't matter exactly so vote for the statistical likelihood that you're gonna survive so go ahead and sacrifice for the survival instead of fucking blowing everything now and then surviving with...

1:17:44You're not going to be able to go to Europe as much as you want in the future because you won't have the finances to do so. You are preventing yourself... I probably won't want to travel a whole lot. I hate her. You don't know. Old people travel all the time. You are so delusional. It's better to travel when you're young, though, because you're young, you're youthful. You'll be young in your 30s. You'll be young in your 40s. You'll be young in your 30s. You'll be young in your 40s. I mean, I'm thinking of like 50 and 60. What, do you think your body breaks at 50? Yeah, sure. If you're starting mid to upper 60s, that's where it starts to maybe start getting a little, especially if you're not living a healthy lifestyle.

1:18:18Absolutely. But listen, that's, I don't even know. How about that a 22 % interest rate? This is just, what a pointless conversation I'm starting to realize. You're gone. You're just, you're gone. You're gone. I think I'm doing pretty well. Huh? I think I'm doing pretty well. There's no point in continuing this conversation. No, there is no point. If you, after all this, still think you're doing pretty well, then you're a moron that's never going to survive in this world. I think I'm doing pretty well, like, maintaining, like, I don't know. You said I'm a moron. I'm like, no, I'm not. You're jobless.

1:18:53You live at home. You can't find anyone. I've been jobless for a week. Jobless. That's jobless. But it's not going to stay that way. I'm in between jobs. You've applied to 20 jobs in three months. Oh, so now that I know that's not enough, so I'll go home and continue applying to jobs. oh guys if you have any children out there like this ladies and gentlemen good luck I wish the best shut the fuck up shut the fuck up alright here's your 401k which is a little earlier than normal in the document order but 20 ,000 again certainly behind forward we'd want you to buy approximately 30 but again it is showing that you have the skills yeah i started that like three four years ago so why is it so early in this document order because i have a plan with it see like that was the thing is i'm coming on because i you know want to use your your app and the financial stuff but so my idea is to liquidate the 401k since i already quit my job look so to look at the 401k I can start a clean slate, get rid of the bad debt, start over fresh.

1:20:07And then when I get another job, I can go and add to it. I can double up what I was doing before and I can actually save. Look, it's really, it's not a bad idea. Like I can, I can then double up on it. Look, like Lindsay, can I have the whiteboard? Look, look, I'm just going to, I'm going to show you like, so you can understand. What the f*** do you think you are? So this is my 401k. Let's see. This is like the debt, okay? And so if I take it, distribute the 401k, get rid of the bad debt, which is like the credit cards, I can start fresh and then I can actually start. First of all, you have$24 ,000 of debt.

1:20:49This 401k is$20 ,000. So the bubbles are not maxed. Well,$6 ,000 is the car. Yeah, that's a depreciating asset that you have leverage on. Yeah, so I'm like, I'll be paying that still. But so I'll be taking, I would be spending about$15 ,000 for the debt. And then I'll take the rest to put aside for I can use it for the penalty. And then the tax I'll have at the end. Yes, because you'll have to pay my penalty and then add it to the tax. The penalty, 10 % and then your income tax bracket. Yes. Of which is based on your last year of filing. Yes, in which I have already been taken out, having taken out extra.

1:21:26I had it. Right. So this$20 ,000 will turn into what,$14 ,000? Yeah, about so. Great, so$14 ,000 going to$24 ,000. And so I can pay off my credit card debt. So start anew. Would you take out right now to pay off your debt a 20 % debt? What do you mean? Would you take out a 20 % debt to consolidate all your debt? Why wouldn't? Would you take out? Shut up and answer my fucking question. I wouldn't be going into debt. Lady, answer my question. I wouldn't be going into debt with a 401k though. I'd be liquidating it. Actually, shut the f*** up and answer my question. You are so obnoxious, you have no idea.

1:22:02You're a f***ing creature. Like, I don't know why your parents need to be put down so they do not breed again. This is insane. I don't know how you exist and you're the best child. Good f***ing luck to them. I think I am. Yeah, you think the UK isn't in Europe, so. I mean, they did get rid of the... The union, the border of the European Union does not determine continents. Would you take out a 20 % debt right now to pay off your debt? So it'd be gaining 20%. I'm asking a question. I'm trying to understand the question. This is the most simple question. Would you take out a 20 % debt to pay off your debt?

1:22:48And then I'll be in 20 % debt after that? Yeah, I think so. math is a bit hard Lindsay please help I can't shut the f*** up with your whiteboard get away from me with your f***ing whiteboard I thought you wanted it this is your debt and here's a debt that you can pay off this is 20 % would you do it yes

1:23:16I think it's a good decision what else would you I'd pay off the debt I'd sacrifice and not spend money on fast food and DoorDash, you actual imbecile. Since I left Starbucks, can I still keep the full one? Shut the fuck up. It's been a week. Can I keep the full one? Can we be able to be dating it? Yes. Because I knew that there was a thing with that too. Yes. Could also roll it over. Roll it over to an IRA. Oh, okay. So you wouldn't recommend me doing that? Because it's like taking on a 20 % debt because you're going to lose 20%, 10 % for penalties, and then probably about 10 % for your taxes.

1:23:49Okay? that's like taking on a 20 % debt. Also, this$20 ,000 that's in there. Oh, you creature. Please, I don't, I honestly, the quicker I can get away from hearing your voice, the better. You've annoyed me more than, I thought I would be annoyed on the show. By 59 and a half, when you can take, when you can pull this out, tax advantage, that$20 ,000, if it was then 10 % returning thing, which is the historical up and downs combined, The S &P 500 would be worth$438 ,000. So you're going to lose$48 ,000 by pulling it out. But then I'd be able to start fresh. I'm going to kill you. Because if you start fresh without changing your behavior, you're going to go into all this debt again.

1:24:33But you won't have return. I will change my behavior. We'll see on the follow-up show.

1:24:45You can talk to me on the follow-up show. Stop. Who says I'm going to f***ing invite you? I thought everybody was invited. No! What if I do get better and then you don't invite me, though? I'll still shun you. Because I took out of my 401k? We have a rule. No dumb p***s on the follow-up channel. Isn't that half of the people on you? No, it's you. You made a mess at the desk. Shut the f*** up. I'll fix it for you. Probably more productive than you've been at your seven years at Starbucks. Actually, I was really good at the job. I was really good. That's why they f***ing... I walked into that one.

1:25:17Why didn't let me transfer?

1:25:23Synchrony card. Yay. Yippee. Looks like this is your care credit. Yeah, that one is medical. $1 ,160.57. $70 minimum payment. 17 months to pay this off. Not a deferred interest. And it's until paid off. So it's 0%. Okay, minimum payment until it's paid off. Okay. Because I closed it out. the care credit, right? Huh? The care credit you're looking at? Yeah. Yeah, because I, it was the eye card. I closed it out so that I didn't have to pay interest. Because it was a credit card, like a medical credit card and I had to close it out. Equinox. Yep. It's a really nice car. Or at least I like it. It's a step up from the 2005 car I had before.

1:26:12What is the interest rate? The interest rate, I believe it's 10%.

1:26:25$6 ,156.37 Yeah, the monthly payment is like$225, I think What do you think the car is worth even though you owe$6 ,156.37 on it? I'm not sure, actually Of course not Well, it's worth$5 ,600 I mean, I needed a car one way or the other, so Yeah, yeah, yeah $221.81 nonsense. But you could pay off a car instead of getting fast food because you live at home. And DoorDash. And moronic, dumb, bullsh**, stupid stuff like that. I'm gonna change. Shut the f**k up. No, you're not. You're done. You're dumb. Yeah, it's at a 10.44 % interest rate. 10.44%. I was close. Besides the 4%, little one. So, I know some stuff.

1:27:16Stop. Stop it. How's the condition of the car? It's in good condition. There's no issues with it. Miles? I think it's 112 ,000 when I got it. Should I have an Equinox? I had my mechanic look at it, and he said it was in really good condition, and I thought there wasn't any issues. But, you know, we start pushing 200 on that thing, and I start getting nervous. So, I mean, that's a ticking time bomb, longer ticking time bomb, but all while we have no money? Like, that's scary. I mean, I'm not going to be jobless forever. I'm not going to go to fun. Says who? Says me. I'm not going to do it. I don't trust you.

1:27:55I'm not a reliable narrator for this. I mean, I've had a job for seven years, so why would I suddenly just... Because you can't work standing up and you've applied to 20 jobs in three months. So I'm going to apply to more jobs. So eventually, I'll get a job. And you stopped going to school for free? I have one last class. And then if I can't find a job. Three more years. If I can't find a job that is tuition embarrassment, then I'll get my associates at a community college and then. Well, I would do that. But now you're going to be starting life at like 32. So. Wait, my mom went. $32 in your checking account.

1:28:32Your mom did it while she had a man. A partner. True. Could have been a girlfriend too. I don't give a. Slap flaps together. Not saying it was because of the man, but she had another income and help. Oh, good.

1:28:51Oh,$32 in our checking account, but oh, baby, we are spending on bull. You see that, ladies and gentlemen? You see that, ladies and gentlemen? You see that, ladies and gentlemen? You see that, ladies and gentlemen? It's all f***ing stupid. Oh, she's going to Starbucks. $7.11 there. Shut the f*** up. You are not going to comment after every single purchase because there's only about a thousand to go through. Shut your mouth. You only get a limited amount. Oh, and then she immediately talks. I hate her. You only get a limited amount of like food and drinks. So that's why. And now no one's going to date you because of your personality as well.

1:29:24Because you're horrible to have a conversation with. I do enjoy it a lot. I know. Trying to get better. And so do I. But again, I have the other things to make up for it. You have nothing to make up for it. Okay? But yeah, that's why I have Starbucks on there because you only get a limited amount of stuff. So I get hungry.

1:30:11are just soon to be number one because it is the best and you're not subscribing to that. Fuck you. The Patreon's like, It's literally free. So, Dutch Bros, Chick-fil-A, going as I get into bull. TJ Maxx, Michael Stores, Hobby Lobby. You don't have hobbies. You don't, I don't care. Go work 80 hours a week. I don't give a fuck. In a call center. I don't care. Starbucks, Dutch Bros. Starbucks Stores, Starbucks Stores, Michael Stores, Hobby Lobby, Collected Comics and Dutch Bros, Chick-fil-A, Amazon, Chick-fil-A, f***ing Walmart Starbucks Dutch Bros going in against yeah f*** you Dutch Bros Chick-fil-A Bite Dance what's Bite Dance?

1:30:51oh I think it's Capcom oh yeah that's TikTok okay you're paying for Capcom you f***ing yeah Dutch Bros you go to Dutch Bros every second of your life yeah I've started going that's great for your health vintage stock Chick-fil-A Starbucks store tropical smoothie cafe Dutch Bros Apple bill PayPal in our money paypal and paypal and i'm gonna die that hundred dollars in savings guys were we're such we're such good at being well i started the cop like a cosplay and i thought i had everything and then i realized that i didn't so it led to like getting one thing here and there then to another and yeah yeah it's so interesting i i was just thrilled by that and then the dutch Oh, she's still going.

1:31:37Keep it, please. You get tired of Starbucks after a while. Like, so we would do Dutch Bros ones for like, and they would like, you know, pay me back. I'm still just as interested as I was two minutes ago. $229 in this bowl. Okay. Savings account. I don't know. I spent$229? No, it's in that little extra savings account on the side. Oh, yeah. I mean, I'm going to make a budget, but we know how this works. You have money left over. Your overhead's practically nothing. Your minimum monthly payments, yeah, they're shit, but, well, actually, now you don't make money, so. We're consolidating debt-beating?

1:32:12What's the point of making a budget if you don't make money? I guess we can see what you need to survive. We can see what you need to survive. Your minimum monthly payments, which is, by the way, unemployed in an insane minimum monthly payment amount to have. It's disgusting. In fact, it was about a third of your previous income, which is horrendous. But either way, debt minimum monthly payment,$771.81. Okay, rent, nothing, nothing, nothing. and groceries, I'm going to say you can put$200 towards it because I know your parents put money towards it. TP fund,$100, anything else you need to survive.

1:32:39I'll do hobbies, savings, fun, subscriptions, whatever. I'll call it the fun fund. You can do a total of $100. Do you have any pets? No. Thank you. Gas, vroom, vroom, drive, drive. Well, you don't go anywhere now. Shouldn't be. Unless you're going into job interviews. Okay, I'm going to say$100. Car insurance? That's part of the$300 I pay for my parents. To my parents. That I'm not only paying now. Why? Wait, what? Well, because I don't have a job. So, yeah. I mean, I will. I will. Shut the f*** up. Literally, they're enabling you by not... Okay. They're allowing you not to pay the$300 you agreed to to quit your...

1:33:27I didn't agree to. I was... Go!

1:33:35Hammer Financial Score, go f*** yourself. Join us in the post show. I'm going to f***ing die. And call their parents and look at her horrible f***ing resume. Remember, it is free to join Hammer Elite to subscribe. And we'll reimburse you with a digital gift card that can be spent anywhere at HammerElite.com. F***ing A. See you there. Maybe. I don't know. We'll see. Why are you borrowing money from your dad? Not even f***ing recently. You're not even paying back! Why are you possibly borrowing money from your father? Let's call Papa. Are you familiar with the website OnlyF***? Yeah. How would you feel if your daughter's put in a position where she has to become an OnlyF*** creator?

1:34:14I mean, she's an adult. My mentality is you can always make money somewhere. Collusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. Hey, Ryan Reynolds here. Wishing you a very happy half-off holiday because right now Mint Mobile is offering you the gift of 50 % off unlimited. To be clear, that's half price, not half the service. Mint is still premium unlimited wireless for a great price. So, that means a half day. Yeah? Give it a try at mintmobile.com slash switch. Upfront payment of$45 for three-month plan equivalent to$15 per month required.

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