I F*cking Hate Her | Financial Audit

25:50Well, I'm interested to see what the bullshit is. I know what a good chunk of the bullshit is. What? And I hate to put it on him because I'm also responsible. Okay, then don't put it on him. I don't know. But he has a habit of gas station spending. Uh-huh. So... Stop it in and get into bullshit. Several times a day. What is he getting? Several times a day? What the f*** is he getting? We live right down the street from a gas station. Why is this guy such a little... Oh, he's... He's gonna be mad at me. Why? For saying what he spends money on when we're going through the finances? Because he can't handle being called out of shit.

26:26He's holding back his household. Do you guys have kids? No, but we want to. Good the fuck. Look, he's holding back his household. He's stopping at the gas station. He's by himself. I mean, I'm definitely part of it too. Sure. He's stopping at the gas station multiple times a day to get some bullshit. That's fucked. He's not willing to be called out on it? Pussy. Bitch. Cuck. For real. For real. What is he getting? What is he getting? Cigarettes. Okay. Yeah. Go ahead and kill yourself. Not like suicide, but like he's giving himself cancer. Why? Why does he want that? That's a constant battle argument.

27:05Well, no shit. I wouldn't be with him. That's disgusting. How do you even manage to keep your nose open when you're near him? He doesn't smoke quite as much as he used to. How many packs a week? A week? Maybe one every two days. He's definitely not a pack a day. Gross. It is gross. Disgusting. It is absolutely gross. He smells like shit. He is going to die young. Okay. And snacks? Snacks. Energy drinks? No, not energy drinks. Bottles of water, which really drives me nuts. I'm like, why are you buying a bottle of water? I told you. He is. Oh, my God. He's going to be so mad at me. Why? Why is he going to be mad at you?

27:44This is literally. I just won't let him watch. He didn't think this would be coming up. I just won't let him watch it. All right. So he is a true. He really is. I don't even know what that means. You completely own him. I don't even know what that means. Maybe I'm too old to know what that means. Listen, when Colton was on the phone with you doing the onboarding and everything, He got mad because he couldn't buy lunch because he didn't have a credit card. And they were all overdrawing. You guys were overdrawing on your bank account. Well, you were doing the onboarding for financial auto. Why the fuck are you with this guy?

28:11This piece of shit. This loser smoking in his 50s. He's not 50 yet. Smoking in his 40s. Going and getting bottles of water at the gas station every day instead of buying a walker. Just getting a fuck. Loser. That does drive me crazy. Piece of shit. Degenerate. Nasty. nasty ass stinky he's my best friend I love him very much well enjoy him while you got him I know won't be there for long I remind him I remind him every day and he really cares about life that's someone who I want to be with for the rest of my life we've been together for a long time how long? 15 years

28:50and what's your participation in this? my spending? well you say you go to the gas station to get some bullshit? no I don't go to the gas station I don't even know and that's what I'm interested to see because that surprises me you said Blankton's on him but it's also on me I buy lunch I work downtown it's a lot easier obviously just go yes downtown makes it hard to pack lunches yeah I'm really I don't like I'm struggling on that one I mean I downtown means you're closer to food options well let's go back to the scenario with the paycheck and having only 50 bucks left. Yes, where you're spending that you do is not included in your hypothetical for some reason.

29:31Yes, please tell me. Well, when I get to that point and I only have 50 bucks left. Because you spend$2 ,150 on bullshit. Yes, go ahead. What am I supposed to do though if I need to get groceries? Not spend money on bullshit and get groceries instead. But what do you do then at that situation? Okay. Once you're in that situation. You wouldn't be in that situation because you follow the show. Listen. No, your situation is moronic. Your situation is moronic because it'll never happen again by the end of this. But by the time you leave the show, unless he's not on board, unless you're just going to be a degenerate after this, it'll never be a situation you have to deal with because you're actually going to be a responsible adult for the first time in your damn life.

30:06Well, let's see it then. Let's see what? You doing that? Yeah, let's see it. I hope so. What do you mean? Let's see it. Of course. Come back on and show me that happens. What do you mean? Let's see it. That's what I want to see. Okay, me too. Dude, what are you talking about? Why would we do that hypothetical that shouldn't be happening in the first place? Because you're hypothetical. You're hypothetical. Hypothetical is moronic. In a perfect world, that shouldn't happen. It's based on degeneracy of insanity. In the perfect world, that shouldn't happen. Perfect world. You are choosing to spend$2 ,150 in a single month on bullshit.

30:36Gas stations multiple times a day. Unless he doesn't give a shit about the household. Does he not give a shit about the household? Does he not give a shit? Because he's doing it multiple times today. Does he not give a shit? If he's not giving a shit, then he's doing what he's doing. I would like to think he gives a shit. Well, clearly not. If he's going multiple times a day, getting bottles of water, doesn't even have a bread at home, uses faucet. Use his faucet. Bulk buy. Bulk buy. Grocery store. A couple bucks. Bulk buy water bottles. The f*** is he doing? Get a big f***ing thing. Get a f***ing thing.

31:02Put it in a water bottle. Easy. He clearly doesn't give a s***. Degenerate stinky. He's not going to like that. Give a f*** what he likes? I want you guys to have a better life. Why the f*** would I care? Why would I give a s*** what he likes? I like you guys being able to pay your bills. And I have the hypothetical where it's like, oh shit, I gotta get groceries, but I only have$50. That hypothetical only exists because he doesn't give a shit about the household. That hypothetical only exists because you go and you blow money on bullshit and you can't pack a lunch because you work downtown! What?

31:35Okay. I mean, you grew up spoiled. That's what I have as a note. So clearly, I think that is actually what is happening. You grew up spoiled. You're not willing to change your lifestyle at all, no matter what happens, including him breaking a rib, losing a job. You're a spoiled brat and you're not willing to cut back on anything. And then when it comes time where it's like, I can't afford groceries because I blow my money on things that I wanted and was fun and was entitled to. Now I'm a whiny little victim because I don't have enough money for groceries. You're going to be on the fucking just like New York Times article.

32:07Oh, people can't afford groceries in Pittsburgh. And then they don't go into detail that they spent$2 ,150 on bullshit. Like, fuck you. You're going to be spoiled. I always say I was spoiled but not spoiled rotten. I'm an only child. I was spoiled but not spoiled rotten. Go on. Make that mean something to any of us. Well, I wasn't like a brat. You're still saying nothing. Well, maybe you're just not listening. No. So, yeah, I mean, I grew up very, you know, I was taken care of and I got things that I wanted. Oh, you guys were wealthy. No. Yeah, you guys. Because anyone who talks like that grew up wealthy.

32:52Anyone? We weren't wealthy. Okay, and what was dad? Dad was a truck driver. Truck drivers make good money. And teachers can make good money depending on what they're doing. He wasn't like an over-the-road. He was like a local delivery truck driver. And I mean, they worked really hard and I'm, you know, but. Okay, square footage and rooms and baths of your childhood house. Oh, I couldn't tell you square footage. Rooms and baths. Three bedrooms, one bathroom. Okay. Oh, middle class, solid middle class house. Okay. And you couldn't manage to not live in the lifestyle that you wanted and grew up with, though, and you're just living it now and allowing yourselves to go further and further into debt.

33:26You and your husband of how many years? Married for seven as of yesterday. Happy anniversary. Together for 15. Okay. And we want to have kids. Yes. And we'll probably end up with twins. You're aging out. No. Yes. No. Yeah. If it doesn't happen by the time I'm 40, I'm not going to push it. It's literally two years. I understand. It's two years. Wait, so you're seeing throughout this entire process where you're only getting$5 ,000 saved for an emergency by end of next year? That is halfway through our child attempting years? Wait, what the f***? So you're bringing a child into this disaster? Your plan, your plan that has no, no room for any wiggle room, no room for anything bad happening and you're bringing a kid in?

34:11You know, there are complications that happen all the time when it comes to baby leaving body. Yes, especially when you get older. Yes, you are old. It's called a geriatric pregnancy. Yes, dusty. I'm not old. I'm just seasoned. That seasoning is actually dust. I don't know. My husband likes seasoning. To him, you are still young because the dude is nearing retirement. I don't think either of us are going to be able to retire. I agree. But. He will be dying on the Walmart floor. Unfortunately, he will be 55 doing that with lung cancer. Maybe Target instead of Walmart. But what were we talking about?

34:48Kids. Kids. You are setting yourself up for complete failure and you want to bring in a kid during that process? That's a joke. That's horrendous. Well, that's why I want to get a handle on what the bullshit spending is. No, but your plan specifically leads to only$5 ,000 in savings. We got to start somewhere. By the end of year. Yeah, but only by the end of year one of the two years of trying to make a kid. That's horrendous. I've been trying to make a kid for... Oh, what is this? Not wrong or your eggs are broken? Which one? Neither. I think it's just timing. Do you not know how to time ovulation?

35:22I don't know. What? My girlfriend knows when she's ovulating. Do you? It's not always that simple. You don't track it in an app? No, I do. I know we struggle with downloading apps in this house. No, I do have an app. Well, it probably doesn't work the way she wants. I do like the app that I have. It actually works pretty well. Um, but you know, things happen. Why don't you guys just f*** every day? I don't know. Well, you said we're old, right? That makes it a little bit more difficult. To who? Which one? In general. Depressions. Dudes be f***ing like 90. Anxiety medication. Okay. Well, okay. Have a kid or don't.

35:57I don't know, but. But anyway. That sounds like, I mean, how long have you been trying? Five years. Oh, okay. And you're calling it quits in two? Well, it gets harder. You're not going to go the medical route? IVF, anything like that. It's expensive. Very expensive. But I want people who want to have kids to have kids. Yeah. I want you guys to have kids. It's very, you know, we have a declining birthing population. Like even if you were, no, no, not if you're a horrible person, but you're not a horrible person. That is a statistic I'd be interested in reading about in the declining birth rate because I don't know if I believe that necessarily.

36:38I believe it, but I'm interested in... Yeah, I'm glad you're interested. I'm thrilled in that. We're all very curious about your interest. We're all interested in what you're interested in. The thing is, you obviously, our accountant who knows more than you, banking lady, went through your finances, and net out was double of net in. I want to see that break down. Okay, great. I know what you want. We already know that. We already know that, and we're all very thrilled that you want to see it. and that's what this show's about. That's why we're going to go into the finances next. Sounds good. Okay, what do you think?

37:10I do also have an accounting degree, by the way. Okay. Why the f*** are you not using it? You end up where you end up. You end up where you end up. I like my job. I like my job. In your own finances, you... Oh, I am. No, you're not. I'm aware of the situation. You're off by$10 ,000 of your debt. You didn't know how much was your net out. No, you're not aware of your situation. $15 ,000 sounds crazy to me. It sure does. I don't see how that is possible. Why do you think you're on this show? Because I need help. A lot of people who need help, you're an actual interesting case because out was 15 ,500 or whatever.

37:45Well, let's see what it was. Great. Incredible conversation. Okay, what do you think your financial score is? Zero to 10, zero being the worst, 10 being the best? Well, that's another thing that I find interesting. I would say based on how you do it on the show, 2.5. Ladies and gentlemen, if you want your Hammer financial score, get it. Just answer the questions objectively and not like a dumb... And you'll get that score at CalebHammer.com. It's free. Just takes a few minutes. See where you stand in the world of money, where you need to improve your finances, where you're already doing well, and what you need to do to improve.

38:19And if you want to improve and not be like a guest who ends up on this show, unlike her and the guy who can't download apps and all this crazy stuff, just download DollarWise. Link is right there in the description. Take the free trial to see if you like it. And if you do, You can sign up for the annual version because it saves you a lot of money. And when you do, only for the next couple months, I will personally sign my budget-friendly cookbook and mail it directly to you. After a couple months, it's gone forever. It'll be found anywhere else. DollarWise.app, all those links are in the description below.

38:48Let's get into these finances of this 6.5-er, apparently. There's also some typos in the financial score. Well, that might be true because I am. Apparently, you're not the only one. I know, I'm looking at you. Slate Edge. What's going on with this? Most of these I've had forever and have just sat with nothing on them. But that one... Well, this one has purchases of$7 ,579.92. So that one kicks off one of the... But guys, we don't purchase anymore. A part of our plan is we don't purchase anymore in our cars. That one kicks off one of the series of unfortunate events that happened in 2025. That's this year.

39:37Correct. You would just say this year, but okay, I guess, Pittsburgh, edge of the Rust Belt, they got rust in the water, everyone, their brains are melting. What happened, series of unfortunate events? There was a number of house-related emergencies that happened this year that have resulted in me having to come up with this plan. This is the part of the conversation where I'm waiting to hear what happened to your house. So the one that's on that is the furnace and the air conditioning. Okay, that happens. You need a furnace especially. Air conditioning, when was this? So it was August that the AC went out.

40:16Yeah, that's rough. They came, we have a home warranty that we had purchased on the house. And previous balance transfers in the past, to be very clear. Correct. So a portion of that is balance transfer. that have just been rotating. Yeah, it's maxed out. Correct. To the dollar. Correct. Oh, for f***'s sake. Hey, how long does this take to pay off if you do minimum fee payments only without purchasing anything, which you're incapable of? I think that one's 12. Her accounting degree is really paid off. It's 23. Oh. One of them is 12. I can't remember. Well, this one's 23. That one is 0 % till January of 27.

40:53Uh-huh. So that's part of... First of all, is it being accumulated? Because there's your balance transfer fee because we had a balance transfer. Correct. So 80 % of your money. Rinse knows that greatness takes time, but so does laundry. So Rinse will take your laundry and hand deliver it to your door expertly cleaned. And you can take the time pursuing your passions. Time once spent sorting and waiting, folding and queuing, now spent challenging and innovating and pushing your way to greatness. So pick up the Irish flute or those calligraphy pens or that daunting beef wellington recipe card and leave the laundry to us.

41:29Rinse. It's time to be great. $8.33 of fees, so you likely paid like 10, 12, 15 % on it. And this will kick into like a 30 % interest rate, essentially. And yeah, okay, but it's not accumulating. But that still doesn't mean that this balance ain't chunky. And it's about to start accruing an insane amount of interest in about 13 months. But it won't because it's part of the second round of consolidation. Yeah, if your master plan that has absolutely no wiggle room for anything to go wrong succeeds, which I do not believe for a single moment that it will because you do not take account anything happening in life when literally he just broke ribs today.

42:07Do you not remember that? I do. But. Today. Is it better to just not have a plan then? That's not what I'm saying. I'm saying your plan's broken. I'm saying your plan. Then let's figure out a better plan, right? Oh my gosh, shut the f*** up. That's your only response. Yes. Obviously, that is what we're going to do. You do not have to announce that every time we're having this. I'm obviously, oh my gosh, she is so annoying. I'm just calling out that it is very clear when you say, lady, I have to let you know that you might in fact be a moron because, because, because, because, hey, lady, it is very clear.

42:52what i wouldn't bring up that your plan is flawed so that you can hit me with the well that's like a plan man obviously i'm not hitting you with that if you don't set up something absolutely ridiculously moronic for me to say that why did i say it because i said hand trust is gonna start immensely in 13 months. And you said, well, that's why the second round of consolidation's coming. That's your plan. Right. So obviously, I'm going to call out to f*** your plan! Dumbass! You don't have to sit here and tell me, well, let's make a new plan then! When obviously, I'm responding to you thinking your perfect plan is going to happen before interest rate hits.

43:37You f***ing moron! Oh my f***. You now know why I said it? I don't need to hear of the let's make a better one then. We know we're going to do it. We know what show we're on. Okay, moving on. Oh, great. Yeah, you direct the conversation. Somebody has to. Instead of you taking any semblance of understanding what I am trying to say, when... I'm aware of the plan. No, no. You don't understand why I pushed back on it. Because you said you essentially deflected the reality of this balance. You deflected the reality of this balance by saying your second round of consolidations validations are going to happen in that 13 months.

44:13That is not an appropriate deflection because it is not a reality because your plan is flawed and built for failure. So you can't, you can't have both. You cannot have, this is not a concern because this is going to happen to the plan. And, oh, I know the plan's broken. Let's just have a better plan. You can't have both at the same time yet in your perfect mind because you won't, you, I think, I think you live life in a way where if there is, especially because you've had no struggle, especially on your grow up, you've had no real struggle. If there's anything slightly uncomfortable, you just accept what is the easiest thing to latch onto so you don't have to face any level of discomfort.

44:51I think that is how you live your life. And that is why you cope and you immediately go to whatever response gets you there, whether it is this option or this option, even though they cannot exist at same time. So I don't want to hear it. Okay. City simplicity card. What is this? So, uh, speaking of my husband, he fell at work in April. I don't want to laugh about someone's injury, but turned out to be a broken leg. Can I see what this man looks like? He will not be in the video. I just need to see this. He must be breaking, right? Like pieces of his body must be falling off. He's about 6 '4", 170.

45:41So he's tall and tall and not. He has to be. There's no way. That's a wedding picture. That's a good one. What the That's his G. I call that his GQ shot. How is he breaking? The dude just looks like a normal ass dude. Why is he falling? Is he drunk every day? No. I think he has a little bit of vertigo that I don't think he wants to address. Is he going to get seen and have medication? He's a typical man who doesn't want to go to the doctor. If I had vertigo, I would be miserable every day and want to go to the doctor. No. So he fell at work. Okay. Turned out to be a broken leg. Because he fell?

46:23He fell at work and he broke his leg. Did he fall off something? No, he slipped. he was working in the deli at a like a it's like a Sam's Club but it's not Tam Club and he's not a Costco oh he slipped and broke his leg so he was out of work and on workers comp until September good and then he just fell and broke his ribs today yes is your credit cards good yeah they are your family hated it In the post show, you did reveal that you were still receiving money from a client from your stripping days. Are you still receiving money from him? I'm a very patient person. My mom is disabled. I have been taught patience.

47:11My family hated it. Should we get into that? I would love for you to just use your words and not shut down to the point to where I do yell. You said that I would pay for the gun that we bought on your card. So, are you safe, Pixie?

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48:10Type in code Caleb. How did he fall today? Cat. Apparently tripped over the cat. How is he breaking things when he falls? I don't know. I mean, I'm kind of clumsy, but I don't break shit. Yeah. I'm fat. Not really. You look less fat in person. Please. Yes, everyone says that, but that is true. You are very handsome. But I am still fat. You are still very handsome. Okay. Let's not. Let's not. I know you're trying to find a man who doesn't break things every second of his life, but. I'll stick with the one I got. Yeah. The cancer patient. Yeah. But anyway. Yeah. So he was on workers. Future cancer patient.

48:46He was on workers comp from April through September. and before that we were like I said we were consistently using and paying off credit cards every month until last year all this only happened in a year this past year what is wrong with you guys this is horrendous this is a fat stack of paperwork well we'll talk about more things that happened with the house because that's kind of led me to so that one was to fill in the gap for what he wasn't making between why is he filling in your gap more so we can have a kid before 30, huh? You know.

49:24So that one and what gets dangerous and I'm well aware of it, Citi has two different things. They have flex loans, which are low interest options to go on the credit card. So there was one of that, but that's been paid off. And then when they offer a balance transfer, it can essentially be used as like a cash advance. in fees this year. Almost$200 in interest. I think there were two times where I did a balance transfer, but instead of it being a balance transfer, it was just a direct deposit. See, this is why I'm worried about your consolidations. You are not a solve person kind of thing. You are a kick the can down the road thing.

50:05That's what it's been. And you want to bring a kid into that conversation where eventually that can comes to a hold and you got to get like a payday loan or you got to get something like horrible because it stops at some point. What's your credit? Right now it's shit. Well, there we go. It will stop sooner than you believe then. And that's why I haven't closed any credit cards or anything. Yeah, but they're all maxed out. Anyway, it's not like you're benefiting in anything. Like you're well above the 33 % on here. Well, I know you hate hearing about the plan, but I haven't closed any cards because the plan.

50:34But if you've acknowledged your plan's broken, then why do I want to hear about the plan? I don't think it's completely broken. Oh, for f***'s sake. Girl, you've never accomplished anything. You've only kicked the can down the road. I have some good accomplishments in there. No. You'll see. And your plan is just to kick it down even further. So what are we talking about? That doesn't make any sense. How can you, why are you still talking about this thing? And why the fuck are you here if your grand plan is perfect and all great? Because I need help with the day-to-day budgeting portion. Why am I going to selectively help with your bullshit?

51:10That's going to lead you to a worse spot in general. Because I feel like I can keep up with you better than your other guests do? No, because you... Bullshit, first of all. A lot of people are successful. But also, number two, why do I want to see you fail? I don't want to see you fail. Well, that's nice of you. Well, yeah, but I'm not, like, evil. Some people would probably disagree, but... Well, they don't know me. They don't know my wants. They don't know what we're trying to do. Like, I want to see you do well, but setting you up on a plan that is a flawed plan that's going to hurt you. That doesn't make any sense.

51:43Why would I accept that? Well, that's why I brought my plan to you. Well, no shit. I know that, but you keep bringing it up as a reason why I don't, I shouldn't be worried about this card. No, I'm worried about it too. But you bring it up as the get out. You deflect every time we talk about a debt with, well, the plan. Well, that's all I have to keep me. Exactly. And that's what it is. You cope. You cope endlessly. You look for an escape to feel any, to get away from any semblance of being uncomfortable. That is what you do. That is what you've always done. And that's why you are where you are now.

52:14That's why you kick the can down the road. Because that feels like an accomplishment. Because it feels like you've done something. Instead of you actually buckling down and taking care of shit and having a tough conversation with Mr. Stinky. Loser. That's why I have to have a conversation with him and not you. Cigarette breath. He would be out of this room already. Falling. Falling, yes. Endlessly. Yes. Did I mention stinky? No. Well, sometimes. Yeah, no shit. He smokes a half a pack a day. Nasty. Stinky. Horrendous. Ew. Get away. Vomit. Handsome. Sweet. Kind. Well, not kind enough to change his behavior for the benefit of the household.

52:49Well, hopefully this will open his eyes a little bit. Doubt it. You said he's not going to watch it because he's a little cuck. No, he's definitely not going to watch it. Okay, why would this open his eyes a little? Dude keeps his eyes closed when he's walking around all day. That's why he's breaking shit. Well, if I can come back with an upgraded plan. Why would he listen to you, though? because he loves me. No, no, no, no, no, no, no, no, no, no, no, no. Why would he trust you though? You're a complete failure. Look at this. Oh, look at you. No, you're a failure. Look at this. You're a failure based on what you've done now.

53:17Listen, you weren't a failure a couple of years ago, but you are now and that's all that matters. If you were a failure a couple of years ago and you're not today, I don't care. I don't care. I care about what you do today. This isn't TikTok grudging up stuff from years ago. You know, that's not what we're doing. I care about what you are doing right now and what you plan to do in the future. This is a disaster. disaster, you are a failure. Why would he trust you? You can't possibly... And you're not willing to admit your mistakes. So why the f*** am I going to have any confidence or care in this conversation?

53:46I know I make mistakes. But let's figure out how to... Hey, look. A maxed out credit card with Synchrony Bank. Oh, yeah. So that was the most recent series of unfortunate events. Yeah, those endlessly happened, which certainly never happened, right? Which is why we build a plan where no negative events will ever happen. Well, that's why an emergency fund is in the plan. In 13 months. And it's like a two-month emergency fund, maybe, if I'm being generous. So, f*** off. Number two, what happened? What was this series of unfortunate events? That was the younger cat, actually. Yeah, having a cat is an unfortunate event.

54:26Just kidding. I love cats. Ha, ha, ha, ha, ha. Go on. What? What the f*** happens? She has feline infectious peritonitis, which used to be a fatal diagnosis. I'm glad that it's not. But they have a medication now that she's been on, and she's doing much better. But to get there required several vet visits. Do you have pet insurance? No, but it wouldn't have been covered anyway. Well, it depends on the pet insurance, I assume. The one time I had pet insurance, I got it through my job. You probably had horrible pet insurance. Well, there you go. See, they're probably not setting you up with anything good.

55:04No, because it didn't cover the vet that we went to, which is stupid. Listen, a good pet insurance is likely going to cost at least$50 a month. It sucks, but it saves you thousands. Look where we happen here. Listen, I am glad that your kitty's on medication now. I need you to get off medication so your kitty can get some love and you can pop out a baby. But I'm glad this one is. Yeah. I'm glad it's okay. Yeah. So she's doing better. I am going to have to buy more medication. Yes. What is that going to cost? Probably another$300. What the f***? Well, it had a previous balance already of$473. So there was a balance on here before.

55:43Well, that's because this is the second statement since this whole thing started. Okay. So that one I just opened. So clearly things happen. Exactly. Exactly. Exactly. You're broken. Okay. You're just, you're shocked. No. You're shocked every time. No, I'm not shocked. I'm just trying to figure out how to get to a point. Yeah, no shit. I know what you're trying to do. To be prepared for that. But yet this all happens and you've done nothing. You've done nothing to change it for the next time it happens. Nothing. I'm here. Yeah, that's something. I guess gold star. Walk away. Your life is fixed.

56:22No, I realized that. What are we talking about? Shut the fuck up. Synchrony,$2 ,000, completely maxed out,$65. I'm not that delusional. How are you going to pay the few hundred bucks that happens next? So that one is... Oh, no. It's crunch time at work, and you need to bring wings to your workday. Visit redbull.com slash gettingitdone and answer a couple questions about your work style to get a Spotify customized playlist tuned to your productivity. Plus, score a can of Red Bull on us while you go from to-do to done. And remember, Red Bull gives you wings. Supplies are limited. Terms apply. Visit the website for more information.

57:24out. No, no, you don't. I do. No, you don't understand this. This is what is broken about you. That is impossible. You've had like 50. I've done it already. Oh my gosh, she's so stupid. I'm sorry. This is why you are going to fail. You just tell me you're not surprised when emergencies pop up, but then you tell me this is perfectly budgeted. No, it's not. There's going to be an emergency that happens again. And then you won't be able to pay this off in time. It always happens, especially as a homeowner. You're going to have something that pops up tomorrow. That's just why. Everything already. Hey, listen.

57:58Hey, hey, hey, hey, hey, hey, hey, hey, hey. Listen, he fell and broke his ribs. You're about to lose half your income of the house. You can't budget this. You can't. This does not work. This is your brain immediately attaches to everything's going to be fine so that you feel relaxed instead of facing any uncomfortable truth. What does that do? Because it allows you to at least change your behavior to not repeat the endless mistakes of the past, yet you refuse to do so. Every emergency pops up and you're like, whoa, that'll never happen again. And then it happens about five times in one year. Listen, this is an impossible budget in.

58:38Oh. Especially when you spend that much on bullshit. So I don't want to hear it. I'll let you use the Fizz card. At least it's the debit card that builds credit, only that you spend money on what's in your checking account. I'll get you an order with other - What if I need to spend money that I don't have in my checking account? Well, that is what we are trying to prevent in the future, you dumb tit. All right. Well, let's do that. Number two, I will get you a course career certification, so hopefully you can go earn more money, get a raise, get a better job, continue promotions in this career.

59:04They have like digital marketing, I think I saw. Exactly, they do. I will get you that for free. A lot of people in the audience have used that to improve their income or get better jobs, so I'll get you one of those for free. Okay. I'd love for my husband to do that, actually. Well, I just don't trust him to be able to go outside and not die. So it's just like I would rather invest in you if I'm being completely honest, especially since he's going to have lung cancer. Unfortunately. I'm not cheering for it, but I'm being realistic here. Dude's going to have health problems. Yeah. I mean, some people smoke and they live to like 95 and they're okay.

59:36Yeah. But statistically, issues. City double cash. So that was one of the two cards that we were using on a monthly basis and paying off every month. So you'll see. Wow. Almost like it's endlessly repeated. Exactly. And that's why I stopped. Your consolidation is really going to work in the future. That's why I stopped. Spends$2 ,588 on here in one month. That was the last. And what the f*** are we talking about? This was the last month. It's her last month of statements. Die. Die. Die. What the f*** are you talking about? Congratulations. You did what every financial audit guest in the history of the show's done.

1:00:17You changed things two weeks before coming on the show. Yeah. Yeah. I actually stopped that before I got the call. Lies. If you look at... Lies. This was a month ago. Lies. Look at the interest. Lies. Look at the interest. Look at the interest. You applied to come on the show, though. You applied to come on the show. I applied a long time ago, too, and didn't get called, so this was second go around. $51.77 is your minimum month of year over the credit limit of$1 ,510.77. Look at you. Bullshit. Fuck you. Look at the interest. Look at what? What do you want? Look at the interest. I am. The year-to-date interest.

1:00:50Well, I see cash advance,$22. Charged last month alone. Cash advance. Huh? Cash advance. Oh, the accountant doesn't know what's happening in her accounts. Yeah, interest, zero. Okay, so the year-to-date interest is this. Yeah. so meaning we've used it and paid it off every month and now you're now I'm not on purpose on purpose so that she can pay it off by consolidating it and rack it up again use the debit card instead listen it's not about that you're just gonna pay it off via the consolidation and rack it back up that's what you're gonna do come on I'll close it at that point I've only seen this happen on the show every week four times I just have to keep it open long enough that my credit stays good enough That's the danger.

1:01:38And that's what everyone thinks. And then get... Okay. There's a lot of orange on there. YouTube subs? That's you guys. YouTube subscription. Hammer Elite. No. Yes. $5.34. That's not Hammer Elite. It's only one I have. Hammer Elite's 10. YouTube subs. Does he have a YouTube channel? No. Is he paying for subscribers? No. That's the only subscription I think that I have. Well, Hammer Elite is the number one and best membership on YouTube for a reason. Come join us for three premium shows every single day Monday through Friday, including the post show for this financial audit. Extra 20 minutes of every episode.

1:02:16But yes, okay. I mean, we'll see if I see an actual... I mean, I can look it up. I don't think I have any other YouTube shows. Well, it went inside a gas station and got some bullshit. Bullshit. Bullshit. Bullshit. Bullshit. Bullshit. Bullshit. Bullshit. It's crazy. Listen, instead of going and getting some bullshit, I know you're not getting energy drinks, but here, try this. Gamer Stops, listen, everyone's posted in the comments now that have been trying it that it's so f***ing good. Make your energy drinks at home for like 35 cents a serving, just like making your coffee at home. Get your free samples linked in the description below, type in code HAMMER, and then get it off your 10 % off as well.

1:02:50Make it home. Is there a carbonated version? Yes, there are carbonated cans on there as well. The cheap versions of the powder, and there's also a hydration drink version if you don't want the energy drink version. I'm not a big energy drink person. The only time I do energy drinks is when I'm traveling for work. Do the hydration one. bullshit Parkhurst TikTok shop This just happened. I knew I got a mini. Well, I don't know if that was that. That might have been vitamins. Pull up your TikTok shop. Actually. Pull up your TikTok shop. You know what that was? No. Believe it or not. That was the vitamins that are.

1:03:26What? Cash advances are your solitaire game. That I've stopped. That was a bad habit. Oh my. I don't even know how to get to TikTok shop. Pull up TikTok. Oh, there we go. Okay. So orders. Hey, just how about I have the phone? Okay. Just like he can't download an app, you can't connect to Wi-Fi. I did connect to Wi-Fi. Geniuses surrounded by them on a daily basis. I did connect to Wi-Fi. I'm old, but I'm not that old. Wi-Fi, not connected. I did connect to. It's literally not there. I'm old, but I'm not that old. Where's the screen recording option on your phone? I don't even know how to do that.

1:04:00I do know. I will admit that. I don't know how to do that. How do you? I do have helium. Oh, you do have helium. We both do. Yeah. Really good way to save money. Yes. It really is. I've shared it with a lot of folks. It works pretty well. Yeah, it's good. Same time as T-Mobile. O positive? Yes. So those are the vitamins that are good for... Vaginas? Correct. Okay. We love vaginas. However, I got them, and then when I was looking up the ingredients, those ingredients aren't good to take when you're trying to get pregnant. So anti-vagina? It's good for vagina, but it's not good for... Eggs? Okay.

1:04:42Because when you're on anti-anxiety medications, sometimes it doesn't work as well. I'm sorry. What did you say? Oh, there's a physical spreadsheet. A dress. She got a dress on TikTok. Yeah, you got a dress. There's some skincare stuff. A dress. I don't remember a dress. I'm going to look at your Amazon over here. Amazon's not big. Yeah, no. You don't even have the app downloaded. No. I have to order some stuff for work on Amazon. so subscriptions AppleCare Apple1 I don't even know what Premomovulation tracker there's good that one's good because it connects premium and screw alert pixel art games okay yeah that was stupid that was a one time yeah that was stupid that was a game that I was playing like every day I did also buy a mini chainsaw and TikTok bullshit bullshit bullshit why to cut down trees in my backyard Amazon see housing costs and it's always gonna happen I'm a champion, dude.

1:05:40Moe's Grill. Chat GPT. Parking. Apple. Bullshit. Bullshit. Bullshit. Panera Bread. Bullshit. Bullshit. Apple. Pizza. Bullshit. Road Shop. Bullshit. Bullshit. Uber. Bullshit. Bullshit. Bullshit. Parking. Uber. Something auto. Bullshit. Bullshit. Chewy. Bullshit. Bullshit. Bullshit. Bullshit. Chewy's not bullshit. Did I say Chewy's or did I say bullshit? You said Chewy. There you go. I didn't say bullshit. Burger King, Shake Shack, Shake Shack. Dunkin', Netflix, bullshit, bullshit, bullshit. Cracker Barrel. Solitaire Cash, Solitaire Cash, Solitaire Cash, Solitaire Cash. What the f*** were you doing?

1:06:20What were you doing? I forgot that was on there. What was it? It's just an app where you can - You were like spending money on Solitaire? I also won money. Huh? Sometimes. Sometimes. That's how it usually works. That app's not on my phone anymore. Good. Okay. The Kohl's card. You owe$1 ,512.65. Interest is occurring. You spend$870 even though you put your minimum payment towards it only. Takes nine years to pay off without spending, but you're incapable of not spending. $44 is your minimum payment. What the f*** is going on here? Why are you spending money on a credit card that is occurring in interest that you cannot pay off to save your life?

1:06:53So that one I am nervous about, mostly. However, was the card. Bro, she literally had to have Colton put her phone on Do Not Disturb because she didn't know how to. Yeah, I didn't know how to do it. Oh my goodness. You guys are never going to survive. It's not the budgeting apps. It's you. Okay. Do not disturb. I've never used it before. Like I'm concerned right now, but go on. Yes. So the Kohl's card, I've had that one for a long time. I would only use it when I was shopping at Kohl's. I don't even have a physical card for it. Like they would look it up. They would look it up with my driver's license when I was shopping.

1:07:28But anyway, they recently sent me a virtual card, which is great. so that's the one I used to put the flights for this trip on and I said okay well I'm just going to use it for the flights and the hotel not just that because I had Kohl's and Bottleneck Management and Kohl's and Doce Vita Salon and Peacock Premium who even the has that? Vet Hospital that one's fair and then gas I think so fuck you flights and no $84 went to Southwest that was it The most expensive was the pharmacy of$281.25. The flights were in the statement before this. Well, there we go. So I don't really care about that. I only talked about the purchases you were doing in this statement, of which doubled your balance, of which most of it was you bullshit.

1:08:17Correct. So what the f*** are you talking about then? Cope, cope, cope. Deflect to another month, a month we're not even looking at. F*** you, look at what you did here. Yeah, so that's that one. And I'm not going to use it anymore. Yeah, I don't believe you. I don't have an actual card. It wouldn't even let me put on my phone. It didn't stop you. You literally just doubled the balance only after making the minimum payment on a card that is accruing interest that you cannot pay off to save your life. Oh, I'm not going to spend on it anymore. No, that's such a bullshit deflection just to try to get out of your bad behavior that was done here.

1:08:48And the fact is, when you do bullshit deflections in this conversation, that means you are likely not to make progress outside of this room once you actually change. Once you actually leave. I think that one's actually a little bit higher now too. No shit. Not much. Who would have thought? At a 30 % interest, right? Apple Card, what's going on? That was the second of the two cards that we were using and paying off every month on a regular basis. That's all we didn't because we can. It takes three years to pay off minimum. Correct. 60683. There's no purchases. With a minimum to payment,$25. The number one YouTube membership just got upgraded.

1:09:26And for this month only, you can join for free. See exclusive shows every day, Monday through Saturday. Financial audit post shows. Exclusive and uncensored financial audit episodes. Obviously, your time is 100%. Yeah, yeah. Including fan favorites. Audit update. I'm seeing a therapist now. Wait. You're dating a therapist? Personally or romantically or both? Audit breakdown. We still don't film with people like that. like he's at next level and hammer it out discipline into your budget that's what i was doing plus you'll get access to hammer elite day on january 31st no other channel offers what hammer elite provides join with the link in the pinned comment or description below submit proof of purchase at hammer elite.com and we'll reimburse you for your first month with a ten dollar digital gift card that can be spent anywhere in most countries sorry north korea this isn't for you This is how we have to do a free trial on here because the platform doesn't currently offer free trials.

1:10:29It's okay. Yeah. It's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today, for free. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try it for free, plus three months for just$9.99.

1:11:11So you can finally take control and see what your money's been doing behind your back, click below to get started. There was no purchases, says the lady with a shit ton of purchases. So that was the last month that there was purchases. You are in suffer. You don't know anything that is going on. Bullshit. I know all the balances and all the rates. Bullshit. Bullshit. Taco Bell. Bullshit. Bullshit. What's this? Parkhurst. Parkhurst is the cafeteria at work. It's actually, you get a lot of food for a decent price. $7.44. Packing a lunch is cheaper still. That was like a whole Thanksgiving meal. Your little tit.

1:11:50Packing is cheap. Okay? Okay. You're stopping and getting bullshit every second of your life. I'm not. Well, you can't control a f***ing husband or he doesn't give a s***. It's one or the other. I don't know. Okay. I love you. Oh! So that is an old medical bill from another injury. What? His elbow. And you think nothing's going to happen? Oh, you are. Oh. How do you? How do you hurt his little elbow? Fell down the basement stairs. What? How? He just tripped. The stairs are wood and a little, I think. My stairs are wood? Yeah. What? Guys, if your stairs are wood, you'll tri - What? What is wrong with this man?

1:12:45I love you. Stinky, smelly, nasty. I don't think you're stinky, smelly, nasty. What is wrong with him? Seriously, what is his median rate of getting hurt on a yearly basis? Every three months, every two months, every one month? I don't even know. Yeah. So that one, it's weird because it's SCSI, it's State Collection Services, but it's not. Yeah, really get away from that conversation. How often does he hurt himself? Enough. No, how often? I don't know. Semi-often. Once every month, two months, three months. Come on. We have to at least be once a quarter at this point. Yeah, probably. That's fucking crazy.

1:13:27You know that's fucking crazy. That's fucking crazy. I know. Dude, what the fuck? I don't know what I can do about it. Are you trying to collect life insurance here that we do not know? He does have a policy. It's not a denial, which is concerning. $650 or so. So that one's down to$50, huh? Yes. Okay. And it's, so it's state collection services. A-H-N. Allegheny Network. Allegheny Health Network. That's another medical bill. For what? Some previous broken ribs. He broke ribs before. Doing what? I fell in the kitchen.

1:14:08What's wrong with this man? I've never heard of anyone like this. Unless they're like... Like spazzing or epileptic or just like... How did he fall in the kitchen? I got dizzy and... Well, he needs to go see the doctor. Yes, he does. Yes, he does. Hey, Stinky, go see the doctor. Can we call him something else? Yeah. Go see the doctor. I don't even know what that means. It means what he's doing right now. He's just sitting in his little cut corner at home while you sit here and actually try to get shit done. He's watching you with another man. Oh, he won't like that one. And he'll do nothing about it because if he tries to walk towards me, he will break the other parts of his ring.

1:14:49That's why he's not here. I love you. Okay, so$289 is owed. Is there a monthly payment? That one's on a payment. Of what? Oh, wait,$289. And then there's another$132. Oh, yeah, that one's done. That one's done. Okay, well, what's the payment for the$289? $49. Hey, these minimum payments are stacking. And yet we allow ourselves to have bullshit. Good luck. What is VCA? Animal services. That's the vet. but that's on the care credit so we don't need that one. Okay, upgrade. Okay, yeah. Oh! $24 ,000? In a 29.49 % interest rate! Well, so this was... Oh, what the f*** did you do, lady? This is the kickoff to the series of unfortunate events with the house.

1:15:40Which never happened in your lives. Correct. So what happened this time? That is the majority of the roof replacement. from April. Why? Why? Because we needed a new roof. Yeah, what happened? It was leaking. Okay, so there was no incident that you could claim insurance on. No.

1:16:04So that one is deferred with no payment. But you said you felt rushed into it. I have a note. Yeah. Why? What do you mean? So it's one of those scenarios where the sales guy comes into your house. Oh, well, we made the appointment. It's not like we didn't make the appointment. The sales guy comes in. They give you a here's what you should do. Yeah, no shit. Here's what it's going to cost. If you sign up right now, here's what this is going to cost you. And I was very adamant. I was like, you know what? We're not doing this right now. Yes, your adam is really paid off. Yeah. So the only reason we were able to do it, the only way we were able to do it, was to do the 0 % no payments until May of 2027.

1:16:55What's your minimum? There isn't a minimum. It's zero payment.

1:17:04And then. Oh, yourself. So that. What is this? So service. Yes. Yep. So an extra$5 ,000 for the roof? Correct. So when we first signed up, they said, you know, this is the cost that we're expecting. But once we take the old shingles and everything off, we may need to, if the wood isn't good, then it might be a little bit more. Oh, they were hoping. So that's what that was because we couldn't get any more on the upgrade. So you owe$5 ,100 on this. Correct. And that one. What's the payment? That one, zero. So that one's also zero payment deferred interest. Deferred everything. So that one's till August.

1:17:43So that's part of the July consolidation. Of your plan that you said we should make a better plan. Gotta start somewhere, Caleb. You're assuming. When you want your spring break to feel like. And your kid's pool day to feel like. And your hotel bed to feel like. Ooh, and room service to feel like. Because at Hilton, hospitality feels like. Your cabana's ready. Would you like fresh towels? It matters where you stay. Book now at Hilton.com. Hilton for this day. Hey, hey, hey, hey, hey, hey, hey, hey. Tit, you're assuming you're able to get a balance big enough to consolidate these really chunky balances and your credit is horrendously disgusting.

1:18:33It'll get better by July. Not on your behavior. My husband's credit's really good. Well, and these are on my husband's credit. Yeah, and what's his income going to show when he applies for a$40 ,000 consolidation? Well, hopefully this job will continue. We're going on hope. Oh, buddy. You f***ed it. Well, let's un-f*** it. Well, I don't know if I can. This is juicy. This is juicy. We'll see. It might be a bankruptcy, if anything. No. I'd sell my house before that happened. We have enough money. We make enough money. We'll see. Okay. If he has his job, you dumb... Okay, what's the synchrony? Roto-Rooter home design.

1:19:21So that was another thing that happened to the house. So after the roof was done, early August, the shower assembly in one of our bathrooms failed, and water was leaking down into our kitchen ceiling. Bro, what the f*** are you doing? So, insurance covered the remediation where they go in and cut the hole and they do the antibacterial and have the fans and all that stuff. But they didn't cover the actual plumbing fixture replacement portion of it. So that's what that is for. This is going to be endless. It's going to be endless. This is never going to stop and you're going to be so f***ing f***ed.

1:20:02Deferred interest is horrendous. Minimum to payment, 50 bucks. You owe 1 ,900. Deferred interest ends, yeah, in about 13 months. This is just good. That one's$1.22 a month to pay it off before the deferred. Which I hope you do, but I don't fucking know. We need to see what the fuck this even looks like with again. What are we doing? What? You owe 5 ,000 hours to your parents? Yes. Remember when I said you're a failure? A portion of it went on the very first card we looked at, the Slate Edge, and then they paid for the rest of it. Why? Why did they pay for it? Yes, their 40-year-old independent child.

1:20:39Because they always told me if... Spoiled. I need anything... Spoiled. ...that they can help me. Not only that, but you've never learned your lessons, and this is why you're here. It's because you have never had to change your behavior once in your life, because mommy and daddy were always there to bail their precious one singular daughter out. It's valid. Yeah, it's valid and it's true and it's horrible and they need to stop. I'm not saying parents can help. I'm not saying they shouldn't. But what is clear is forever is you have never felt the need to change your behavior because they will always be there.

1:21:15That's as clear as life. As clear as it gets. Oh my. Okay, so if I personal on for what? That's probably just been a rolling balance. A rolling. What? A 16.57 % interest rate? Well, as everyone says, it's better than the rates on the credit cards. So that's just one of those kicking the can things that's just been a balance that's been moving around for a while. This is ridiculous. You owe$17 ,056.50, the minimum payment of$477.68. What is the minimum payment to your parents, by the way? $100 a month. The interest rate on this is horrendous. You're just letting this sit here while you're consolidating and pushing things down the road.

1:22:00It's just like, this is filling up my entire notebook. And you think this is going to be survival just with some consolidations and you're not going to build it up again without changing your behavior because you never had to because your parents are there? I don't have a choice. I don't have a choice at this point. There's many choices. That one's part of the July consolidation. Yeah, if it all works and you're able to get it and your income's not cut in half and you don't get laid off in this bad job market, who knows? That won't happen. That's not how that works. My company has not laid off one person in 170 years.

1:22:29Well, we'll see what they call it when they do it. You know? Like, good luck. Banks have closed. I don't know if you've heard this in the past couple years. Not the type of bank that I work for. We'll see. We'll see. You never know. I'm sure they don't lay off because then they have to give severance. What is loan number two? All right, so I don't know why that one's on top, but I have two 401k loans. Yeah, clearly you consolidating things is obviously what fix everything. And it's worked before. Why? Okay, so you owe on this one$15 ,040 and the other one$8 ,540. When did you do this and why? It's at a 10 % interest rate, you f***.

1:23:15Yeah, but it's me paying myself back. Kind of, to a certain point. If you lose your job or you quit, you owe it like that. No, that's not true. Is it not? Nope. Go ahead and tell me. So you, whatever balance is left converts to a withdrawal. So you have to pay taxes on it. So it's a tax bill, but it's not paying the amount back. It is via your money that you have to. But it's not the whole amount. It's whatever the percentage is. It is still the same thing. That is what I obviously meant. You dumb. Well, then say that. It is still having a deal. It's not a bill that I'm going to have to say. It is a bill that you are paying via your money that is in there.

1:23:50and you're going to have to pay taxes and early withdrawal. Oh, you idiot. And it's obviously, since it's 401k, it's not like an IRA. You have to pay taxes based on your income bracket, but you still have early withdrawal. Yes. Oh my. So you're paying. But it's not. So you have 10 % interest on it, and then you'll pay another 10 % via the penalty, then another, what, 15 % on the taxes? So it's like you have like a 35 % loan if you lose or leave your job. Which I'm not planning on. Which we're not planning on because no one's ever planned for any emergency ever, by the way, is how that works. I'm not planning on me losing an arm at some point, but it could happen.

1:24:26So that one was a failed consolidation attempt as well. The second one. The first one, which is the lower amount. Once you can take advantage of more growth in the market too. The lower amount was for a portion of the down payment. It just had a nice little rebound, but I guess you don't get to enjoy that. Okay, what's this? So this is one I've never seen on your show before. Great. First. Yes, it does look like it was written from an 1800 typewriter. That is a loan on one of my insurance policies. Okay. What kind of insurance policy do you have? So I have two$15 ,000 life insurance policies that my parents purchased for me that when I got married.

1:25:02Whole life? I don't know. Typically, when you see people barring against that, you like to see whole life for that. Yeah. I mean, it's horrendous. It's a 7 % loan. Yeah, but that's me paying it back to the policy. I know, but that means... So that just means if that's not paid off by the time I kick the bucket, it just comes out of the amount. You're just setting yourself up for risk, dude. You're just, you're okay with every debt and you cope and you're okay with it. Well, if you have it. But this actually has to, this like, this doesn't, this doesn't come out of your prepay. Like to your 401k that comes out of your paycheck that is hitting.

1:25:35Yeah, it's. This is actually money you owe. It's$15 a month in addition to my regular insurance payment. Okay, so I'll put it at$15 then. But that's included in the amount that I pay for my insurance. Oh, it is whole life. Yep, that makes sense. That's all you're doing. So I have two. What do you owe completely? On that one? Life insurances. Oh, 20, whatever that says. 25 ,000. Okay, that's insane. No, 2 ,500. Oh, 2 ,500. House. Yes. Good rate. Yes. Cheap house, Midwest, Rust Belt. We love it. We bought our house in summer of 2019 before everything went to shit. Surprise, you didn't refinance at a lower rate, but okay.

1:26:14At lower than 3, 6, 2, 5? Yeah. Well, probably wouldn't be able to do that right now anyway. No, not right now. No, but I mean even... $175 ,450.39 is the minimum payment of$1 ,481.84. Still a good rate though. It's fine. But it could have been in the 2%. Then again, don't really want to refinance unless you save at least a couple of percentage points. And it's nice because our house is now worth probably at least$100 ,000 more than we bought it for. Okay. Well, it might be your exit plan. You're not going to like this. Well, what is this? So... What did you do? You took a line of credit against your house?

1:26:49Yes. So it's not worth an extra$100 ,000 that you owe on that. Well, the house is worth. We just don't have as much equity in it. Yeah, your equity is practically nothing now. Again, probably. Probably. We bought our house for$207 ,500. It's probably worth it. What's it worth? $300 ,000 now. And you owe, total across the board, about... $260 ,000 something. Yeah, about$270 ,000. About$270 ,000. So after selling, after paying 6%, after paying... You're breaking even at best. And that's not even true because you got money you owe on a new roof, got money you owed on new systems that are on the houses that you're not picking up and taking with you.

1:27:23So no, you've lost money so far. You have negative in general, add it all together on this house than you would get for it. Of course, you can still pay on those other debts when you don't own the house, but not on this one, not on your mortgage and you'd probably just break even. So no, you say in worst case emergency, I'll just sell my house and use it to pay off the debt. You wouldn't walk away with anything. No, not necessarily use it to pay off the debt. Well, you want to walk away with anything in your rent would probably be the same amount anyway. Well, I mean, now that we have this at an 8.24 % interest rate of insanity and with an extra$695.60 payment added to your life.

1:27:58So do you want to know what that paid? Sure. Yeah, give it to me. So when COVID hit, we were able to take a one-year forbearance on our mortgage. Uh-huh. So we didn't pay our mortgage for a year. Did you need to? Yes. Okay. Why? Because my husband wasn't getting as many hours at work. Is he now broken? Okay, whatever. So a couple years later in 2022, there were some other things that we wanted to pay off. Oh, great. Again, showing that your consolidation is really successful and it's worked every single time. When we did that forbearance, the amount that we didn't pay was added as a second lien onto our house.

1:28:43Uh-huh. Okay. So we paid that off. Okay. That's all your debt, right? I think so. Okay. It only filled up my entire notebook. I think that's it. That's it. The balance prior to statement started at 42 cents, and the second account ended at 45. Then why did I see so much bullshit being spent on those credit cards? Moron. Zelling out 50 bucks. That was to my mom. Another YouTube, four bucks. That was a movie, I think. It's horrendous. And then, yeah, money back and forth. Okay,$2.49 on this one. Started with$15. Solitaire, Solitaire. Yeah. Chipotle, bullshit. Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit.

1:29:23Burrow of something. Bullshit, bullshit, bullshit. Why are we allowing this? This is unacceptable and disgusting and horrendous and stupid. TikTok shop again, 50 bucks. Bullshit. Hot Mart. Hot Mart. Coffee, Chipotle. Bullshit. Auto something. Dunkin' Donuts. Bullshit, bullshit. Giant Eagle. Bullshit, bullshit, Duncan, bullshit, bullshit. Well, he probably went and got some bullshit by this trend. Auto something again, but it looks like just bullshit. Honestly, you hit the price. Zellen up 50 bucks. Apple Bill, bullshit, bullshit. Cafe, Youngin's House, Get Go. Bullshit, bullshit, bullshit, bullshit.

1:30:03Giro Cafe, Duncan, bullshit, bullshit, bullshit. This is insane. All to have a few bucks in our checking account? So stupid. Stupid. How would you even allow that? What a f***ing joke. Okay, so yeah, 401k, 88 is nice for your age. It's at almost 99 now. Yeah, but you owe against it. Of what? How much again? 15 total, I think. And that's actually... You can't start a budget. So I was doing 6 % to my 401k because they match the first 3 % and then they do half of the next 3%. but I just recently switched it down to just the 3 % to try to put towards the plan that you love. Well, that might be good.

1:30:49It might be bad. I don't know because it's still 50 % return on your money, but let's see if you have the wiggle room. Because he doesn't have a 401k at all. Well, he doesn't have anything and likely a job soon. Okay, not including your mortgage, your total debt payments are$1 ,785.11. Your mortgage is$1 ,481.84. All utilities combined, gas, electric, trash, blah, blah, blah, blah, blah. Internet, how much? $600. $600? Okay. Phone bill. Helium. Helium. We're both on Helium. Both of us together is like$55 because I have the upgraded plan. You've got the upgraded. That's good. Gas from Drive, drive.

1:31:27Both of you together. $250? It's cheap. Car insurances? Car, life insurance, personal articles, and home warranty is$300. Okay,$300. And that's outside of the whole life we already looked at? That includes that$15. Okay, I'm going to minus that. What was the whole life? $15. Yeah, minus the$15 because I put that in your debt. So$285. Groceries, we could do$600. Follow the meal plan and the debt class. Follow the cookbook and download the DollarWise app. You get it for free forever, all of it. TP Fun, anything else you need to survive Should be about$200 for this house. Include that for him going to the damn doctor.

1:32:12Medical health care. Co-pays stuff on a monthly basis? You're probably in therapy. You look like it. No? Probably should be, but I'm not. No, nothing on a regular basis. Medications are all covered. Subscriptions, I'll try. I don't even really. 30. Well, I guess I have those Apple ones. I don't even know what Apple one is, but I have it. Pen insurance, let's do 50. Is there only one pet? Two. Shit. Let's do 100. anything else that needs to be in the budget that I have not put in yet I don't think so yeah I mean we shouldn't have wiggle room here as long as he has his job that's what I mean I know we have enough money if he has his job that is the big thing dudes in and out of jobs left and right in and out of literally falling and breaking his body left and right certainly don't have enough for the money you're doing because you barely make it you're making it by less than a thousand dollars you need$5 ,385 $25.95 to survive on a minimum monthly basis.

1:33:04And so you got an extra$8.63.05. That's why he has a job. If he doesn't, you guys are broken. This plan falls apart in every way whatsoever. I wouldn't consolidate unless you show that you changed your behavior and follow this budget, which includes him, not just you, because there's no point in doing this if you fix it and then he doesn't because you'll still rack up the debt again. I'll allow the consolidations if, one, you actually get approved for them, and, two, you change your behavior for at least a few months. I'll happily show you my spreadsheet. I'm very proud of it. variable rate. Okay, with this, 863, I mean, it still takes 203 months to pay off even with that, but it's just 16 years.

1:33:39So yeah, I'm okay with the consolidation, but only if you prove you change behavior for at least two to three months, including him. So he needs to have a hard conversation. Your job from here is to certainly follow the budget and for him to keep his job. But more than anything is to have a conversation, be on the same page. If you guys aren't on the same page about your budget, spending and everything like that, I didn't put a cigarette fund in here and that shit's expensive. Then there is no point of us having this conversation, no point of you trying to do anything because he will hold you back forever.

1:34:01and that includes if he changes and you don't because then you'll hold him back. I don't want to put it all on him either. Spending it in a budget of which you probably did incorrectly on your score online because you don't know is zero out of 10. Debt, there is collections, which I don't think you reported correctly, zero out of 10. What? That collections doesn't come up as a collections on either of our credit. But it is there, you tit. Okay. It's there. You said it's there. You're paying on it. Yeah, but it's not on our credit. this off emergency fund i didn't see anything zero out of ten retirement this is the one thing it's okay but you do have a debt against that what do you got so it's like 75 000 um still it's your income where you're making what 65 a year 65 a year 65 a year that should be about 130 130 in two years and you're at 75 so you're about a six out of ten there real estate yeah with what you've done with the equity position and you know all the things you've put into and You wouldn't walk away with the profit, that's for sure.

1:35:04It's a 5 out of 10, maybe. Okay, right. That's the only thing going for it. So if you actually answered the quiz correctly, what you would probably get is a 2.5 out of 10. Exactly what I said. Get yours at CalebHammer.com for free. Now join us in the post show. An extra 20 minutes of this in every single episode and three premium shows posted every single day by clicking that Join button and joining Hammer Elite. I'll see you guys there. You wanted to admit something to us that you were doing behind corporate SPAC. I do have a corporate credit card for corporate expenses, but sometimes I've had to use it for other things.

1:35:41Had to? Other things? What? Spending. And they don't know about this? Join us Saturday, January 31st for Hammer Elite Day. A five-hour live stream featuring all of your favorite shows, but done live with you. See you there. Thought Sweetgreen was just salads? Think again. There's a new way to do Sweetgreen. Wrapped and ready. These handheld wraps pack bold flavor and 40-plus grams of protein into something hearty, satisfying, and built for life on the go. From craveable sauces to satisfying textures, they're designed to keep you going without slowing you down. So put that fork down. Try the new wraps today in app or at order.sweetgreen.com.

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