It Finally Happened.. | Financial Audit

27:03Do you even know half the things you say? Guys, she's f***ing... Oh, she's lost. Lost. I mean, they're telling me you're interested in leaving Houston for one of the other three major cities in Texas, Dallas, Austin, San Antonio. Yeah. How? How could you possibly afford it? There's no way you could afford rent. Well, I can't afford it now, but if I get a different job that pays me more, then yeah, I can afford it. But no one's ever going to hire you because you're you. You don't know that. I do know that. No, you don't. I hire people. How would you know that? I hire people. Just because you hire people doesn't mean someone won't like me and hire me.

27:40No one would. I bet you they will. And how's that going so far? It's going. It's not. It's going. Okay, listen. Where do you think your finances are on a score of 0 to 10, 0 being the worst, 10 being the best? Where do you think you stand? I'll say 5.

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28:3118 plus terms apply. I'm not doing terribly. I'm not doing so great. but you know I'd say I'm in the middle

28:43I'm not poor I'm just broke

28:50oh she's broken man she's broken man listen if you want to see where you stand in the world of finances take the assessment at calebhammer.com come on this show by going to calebhammer.com slash apply we'd be happy to have you on links in the description below. And make sure you download the DollarWise budgeting app. Take the free trial now, sign up for the annual version, which saves a lot of money, and I will send you our cookbook, our budget-friendly cookbook, and I will sign it and mail it directly to you. It can't be purchased anywhere, so it's the only way to get it. Make sure you sign up for DollarWise Central if you want to take any of our educational programs.

29:23It's one much lower price instead of paying for them individually. And it literally has changed tens of thousands of people's lives, and it can change yours as well. All right, let's get into these finances, because I don't even know what the f*** to do with you. You're just a creature. You're just a creature. An absolute f*** creature. What am I looking at? What is this? My Affirm purchase. Great. Affirm. I'm sure that's very healthy for a person like you. Okay. Affirm. And what do we have? We have a total balance of 225.69. I'm sure that goes up substantially here and there. What are we doing with Affirm?

30:02What is a firm? I use it to make big purchases, split them into smaller payments over a course of a period of months. Yeah, but I'm asking how you use it. How do you assess it in like a daily world? Like how often are you using it? What are you using it for in general? Not just a big purchase. Tell me your mindset around a firm. I think if I want to buy a little boo boo set and I don't want to waste my whole entire available balance. I'm going to affirm it and I'm going to split it into four payments. So you make your minimum monthly payments even higher and higher and higher until you can't afford to live ever.

30:38Possibly. Then you have to move back in with family and you'll never be able to move out when you're going to be a woman child for the rest of your life. A little girl living with mommy and daddy until they're dead. Okay. Great. What are you purchasing on here? T-Mobile? our T-Mobile payment your fucking phone bill you're splitting it in four that was the only time that is the only time I've done that you just bragged about how you're paying your bills that's a bill okay yeah and I paid that fucking bill with a fucking zip with what? with a zip it's called zip is this not a firm? no that's not a firm that's zip that's a firm pull out your firm for me there's two different ones pull out your firm pull it out Pull it out It's not that bad Just shut the f*** up and pull it out lady Oh she giggles at everything Oh she's just happy to be alive while the rest of us suffer I'm just a happy girl Shut the f*** up

31:45It's not that bad Shut up There's only three on there What? No affirm I said affirm Oh affirm Oh my gosh she's actually a moron Are you sure you said affirm? I don't think he said affirm. I don't think he said affirm. She's so stupid. I've never even heard of zip, so I don't know what zip is. I said affirm. You 100 % said zip. Pull out your affirm for me. There's two different ones. Pull out your affirm. Pull it out. Pull it out. Pop Mark. I wanted a little boo-boo. Pop Mark. It's two boo-boos. And you're getting them for$95.74. I bought multiple boo-boos. That's so stupid. They're$6. They're so cute, though.

32:27I hate you. I'm sorry. No, I don't. Yes, I do. I kind of do. I'm so confused. I don't want to be mean, but my gosh. Oh, you're just killing me. I'm not just trying to believe you, but you're just you're just ruining my existence. It's nice and early here in Austin, Texas, and you're ruining my existence right now. I'm so confused. What are your what are your payment? I think you'd be more happy if you had a little boo boo. I think you need to die. I mean, then I wouldn't have bills to pay. I don't want to listen to your voice anymore. Listen, your minimum fee payments on this is$57.60 until it's paid off.

33:02That's not that bad. It's stacking, though. It's stacking. It's the stack. It could be worse. And you know what? All that on multiple payments. It's not just like... Guys, they're at 36 % interest. 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. Well, then take the train, you... And brand new shows, Fat and Fatter. That is... That one is... I would go off-brand. Behind the audit.

33:54hammer versus internet

33:59and 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 hammer elite dot com and we'll reimburse you for the first month with a ten dollar 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. It's worse than a credit card.

34:38You would be better off putting these on a credit card at that point. I would if I had an available balance on my credit cards. And that's funny. That's funny. That's cute. That's nice.

34:59Oh, good. You've affirmed DoorDash Chick-fil-A. We knew it would happen in the show. I knew it. Oh, it only took, what, a month? What, a month since I was announced? What the? Here we go. Here it is. Are you kidding me? It was like$40. $40. Why the f*** would I pay$40 in one payment? I could split it into four. Why would you pay$40 when you make no money? I do. I do make money. Because you live with parents. That's why it's able to stretch a little further. But if living with parents, please pay for it in full. Or how about better yet? Pay off your$45 ,000 of debt so you can move on with your life.

35:39So you can move to another city. Good f***ing luck. Like you're... You can't affirm door-datching Chick-fil-A. You cannot affirm it. Why? Why not? I knew this would f***ing happen, and of course you're going to be paying interest on it. Oh, we're not affirming DoorDash, guys. Come on. We can't be doing this as a society. Oh, what a joke. What a joke. What? I don't f***ing know, man. What do you want? Pull up your zip. Pull up your zip. Now I said it. Now I said it. You said it right this time. Pull it the f*** up. I'm doing it. You need a little boo-boo in your life. I need you to just... Have you heard the La Boo-Boo song?

36:26I've never heard of La Boo-Boo. So you think I heard the song? Yeah, you should have heard it. No? Yeah, it's La Boo-Boo. Shut the f*** up. We're not getting copyright. Shut the f*** up. She's a creature. It's not even noon yet. She has 35 % battery left on her phone. This is the kind of person we're dealing with here. I didn't have a charger. You came to Austin without a charger last night? I'm raw-dogging it without a charger. You're not talking life with no brain. It survived since yesterday, so you know what? I think I'm chilling. No, she's a Discord mod as well. Of course she is. Discord notification just popped up.

36:56Didn't follow the Do Not Disturb request that we gave her before the show. Great. TJ Maxx, Uptown Cheapskate, Academy Sports, DoorDash and Chick-fil-A. There it is. There it is. There it is. It is. TJ Maxx T-Mobile Fortnite She's paying for Fortnite She's paying for Fortnite I wanted the V-Bucks I wanted to buy the Sabrina Carpenter I had to have it And now when I play Fortnite I use the Sabrina Carpenter skin And she sings And she dances and everything Hold on, what does the Sabrina Carpenter skin show? What do you mean? She's got her cute little outfit on I might go into debt for Sabrina Carpenter I get it It's the first one I'll accept I mean it's Sabrina Carpenter The things I do The things I do ladies and gentlemen And the girlfriend she already knows We agreed that we would just share Sabrina Bass Pro?

38:09I would never want to be on a boat with you I got a fishing rod and I got a fishing license That canoe would sink in five minutes. Target, altered state. That's your entire existence. Urban outfitters. Guess you are in Houston. I like clothing. What can I say?

38:32Amazon, game guys, mad rat toys, TikTok shop. She's paying in four TikTok shop. And she thinks it's cute. I hate her. I hate her. Lindsay, I hate her. Lindsay, I hate her. Brandon, Jake, Colton, I hate her. Guys, I hate her. Pokemon? What is Game Guys? Because you were getting Game Guys every four things. You're paying for Game Guys every second of your life. Well, I buy a lot of Pokemon cards. What is Game Guys? It's like a game store. They sell Pokemon cards. They sell Funko Pops. She's on every trend. Oh, Funko Pops. I can go there to play Pokemon tournaments? You're on every trend. Pull up your TikTok shop, you absolute creature.

39:21Listen, I'll recommend the Fizz card to you guys. Not even her. I don't trust her with it. I don't trust her with it. Usually I get you set up with it, but I'm not going to get you set up with it. I don't trust you. I have no Wi-Fi. Why did you join it? What's the password? Shut the f*** up. Listen, chat, we can make them join the Wi-Fi, this dumb creature. Oh, I am connected. I don't think it just likes me, though. Who does? Even technology refuses to communicate with you. It's not my fault you have bad Wi-Fi. When's the last time you've had a boyfriend? A month ago.

40:02It's not working. Give me your phone. you absolute animal you absolute animal she has 24 things in her tiktok shopping cart I haven't bought them I mean they're in there and I look at them every now and then but it's not like I've actually gone and purchased them this is what's in the cart and what are we even doing with these you don't need all this This is like top, top slippers, coat. It's Texas. It's 100 degrees. She has a coat in her. They looked cute. Shut the fuck up. They were cute. On her back seat, a peapod wrist bag. Little fluffy thing to put on the seat of a car. Hell yeah. If you want to make your car cute.

40:57I like having a cute car. Lingerie? Please don't. Holographic debit something? I don't even know. More lingerie. I guess she's getting back out there, ladies and gentlemen. Houston, watch out. Stainless cup. Shoes. Hat. But those are out of stock. I don't know. Go to your purchases. Can I see your purchases? Orders. I don't even know how to use TikTok shop. Oh, it's a f***ing Pokemon. Pokemon, Pokemon, Pokemon, Pokemon. I've bought a lot of Pokemon to the club shop. More trading things, trading things. Oh, she's a f***ing addict. She's an addict. Oh, she's an addict. She's an addict. I need to see something and confirm my suspicions.

41:42Show me a picture of your ex-boyfriend. Why? I have suspicions. Suspicions of what?

41:52Suspicions.

41:57I just want a picture I'm going, I'm going, I'm going My suspicions were incorrect ladies and gentlemen Never mind, no worries We move on Listen, I don't know, you're paying for everything in your life And let's see, your minimum payments And it's weird because it changes because things come and go And I'm assuming that it honestly stays pretty average I assume when you have anything left you're able to spend on here You send it out So I'll just calculate what your minimum monthly payment is now. And that's probably around where it typically is regardless. But you need to pay these off and never use them again.

42:33Your minimum monthly payment on here is$112.68. And that pays off in about probably average three months. Wow, you're paying for addictions insane and it's crippling you and you're making your minimum monthly payment so unsustainable. on top of everything else, you will never be able to afford rent. Never. There's not a chance in this world. And I want you to be able to move out if you want to move out. Get your life independent. Get back out there, you know? You're never going to be able to if you're paying in four for everything. The moment one is paid off, you immediately get something again.

43:07Then you're borrowing from your paycheck. Like, you're never going to be able to afford rent. Ever. One day. This episode is brought to you by State Farm. Listening to this podcast, smart move. Being financially savvy, smart move. Another smart move, having State Farm help you create a competitive price when you choose to bundle home and auto. Bundling, just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings, and eligibility vary by state.

43:50I hate this world.

43:58There it is. There it is. Door dashing chick-ing filet. Absolutely. I don't want to drive. Shut the f*** up. I don't care about anything that you're saying. I don't care about your f***ing... Your life is nothing. What is this? I mean, you can read that. It says, weather tech for my car. Is this all the zip? That's a firm. This is a different firm? No, that's still... Oh, I hate you. I hate you. Shut up. Shut up. What a miserable life. What a miserable existence.

44:33Why do we owe$3 ,593.59 to Ikea? I know you eat a lot of meatballs. Furniture is expensive. What? I got Ikea's in general in the more affordable furniture. What did you get? I got a couch. You lived with your mom! Not anymore. Well, I mean, like, I did. Like, I did. But, I mean, like... You did what? You don't live with them anymore? Like, I used to live by myself. I mean, I used to live by myself. When did you get this? Last year. What was your purchase? I got a couch. I got a coffee table. I got a desk chair. I got, um... I got shelves. I got a mirror. I got a rug. I got floor liners. I got bathroom related stuff.

45:23I got everything. Other than the rug and a lot of the bathroom related stuff. Ladies and gentlemen, go on Facebook Marketplace. Set it to the wealthy area. They just want to get rid of their furniture. You will get stuff on the cheap. That is pretty good condition. You can thrift the out of this. What you've done is the most dumb. And where's all that furniture now? In my storage unit. You were paying for storage unit. living at home paying for a storage unit for the last five months how much is your storage unit $100 a month just to keep our Ikea furniture that isn't even close to paid for I mean I've tried to sell it but who's going to pay like actual retail price no one it's used furniture you can't sell it at retail price what are you you are not that moronic there is no human possible way that you think you're able to sell it at brand new price just because you owe on it doesn't it's just like your car your car is below the value you paid for it and you probably owe more than it's worth same thing with the furniture except you shouldn't be doing that it's ridiculous how long does this take to pay off minimum monthly payments only if you don't purchase anything else from Ikea I don't know of course you don't you don't know anything you don't know anything in this world it takes 9 years you'll be 31 that's not that bad You see this ancient motherfucker right here?

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49:43It doesn't work. There's always worse and there's always better. Just because someone's making$2 million a year doesn't mean you making$100 ,000 a year is bad. Just because there is someone getting drone-striked in Iran right now doesn't mean your life is not bad. Sorry, Ayatollah. But my life isn't bad. I have a car. I have a job. I buy my stuff. And your ugly boyfriend broke up with you and you live at home with your parents. Your life is bad. and you have 45 ,000 hours of debt and you have nothing going for you and you have no chance of moving out, your life is bad. Other life is worse. Doesn't mean your life is good.

50:33Other lives are great. Doesn't mean someone's life is bad. You know, I think I'm pretty happy. You're delusional. You're blissfully ignorant. That's okay to be happy on. And listen, if that's that, let it be that. That's okay. I'm willing to help people and get people to where they want to be. If you're happy and you are satisfied, good. Go on. I'm not going to sit here and judge from a keyboard or whatever online, scroll and find you and be like, no. That's okay. Live your life. If that's the life you want to live, don't come asking for handouts. Don't beg and be like, oh, the world's against me.

51:11No, you did this to yourself. But if that's the life you want to live, go do it. I'm not requiring you to do better. I'm not requiring you to do better. I'm willing to help those who want to do better Why would they give me credit cards If they don't want me to use them They give me access to free money Eventually I'll pay you back Why would they want you to use them Can you answer that I want you to just put yourself in their shoes You know, listen Because they want me to use it to spend money But why, why would they want to So they make money There you go, they're making money Which means you're losing money But I'm still getting my purchases at the end of the day You are getting your purchases and if that's all that matters to you, then go on.

51:52Do it. That's okay. If that's the life you want to live, go f*** up your life. That's okay. That is your choice. It's not that f***ed up. Do you not understand what I am trying to say, lady? Do you not understand what I am trying to say? You can live whatever life you want to live. I will accept it. I'm willing to help those that want to be helped. Do you want to be helped? Do you want the budget? Do you want the chance for a better life? Yeah.

52:27Your parents must be ashamed. I understand why he ran. Surprise your parents, heaven. The fact that they enable this is disgusting. The fact that they enable this is disgusting. The way you live life is disgusting. I'm not going to sugarcoat it. I don't care if I'm rude. You need to hear it. No one's ever told you. People have just supported this for far too long. It's disgusting. The way you are living on this planet is disgusting. I think I'm a pretty clean person. I don't know. Is it disgusting in the room with us? Because it's not me.

53:22you had to pay this within 12 months you did not pay this within 12 months it'll get paid off eventually you're misunderstanding what I'm saying because you're unable to comprehend a single thing in this entire world you had to pay this off in 12 months not to have any interest accrue You didn't. And now interest is accruing at 21.99%. Could be worse. She doesn't understand. She doesn't understand. She is so lost. She is so lost. She is so lost, man. I don't even know. Okay. Some of these, I think there's some that.

54:14Okay. One expires next month. That's certainly not going to be paid off. And one expired a month ago. And one expired like last week, two weeks ago. See? Shut the f*** up. I don't want to hear your voice. Shut the f*** up. I don't want to hear your voice. It barely started. Yes, and now it is accruing, but here's the thing. Guess what? You've had two late fees this year. It's not that bad.

54:38I don't know what the f*** to do with you. I don't know what the f*** to do with you. It's only two. So what do you think is considered a reasonable amount of late fees? Not paying these on time. And while it's interest-free, giving you the opportunity to pay these off in a year to not pay any interest. Making it actually make sense. Because I'm okay with financing furniture if you pay it off interest-free. You can then invest the money. And if you're investing when the stock market was down a couple months ago, you would have made a decent amount of money. That would have been wonderful. That's how you can finesse.

55:09You're not finessing. You're a disgusting creature, financially. I'm just a girl. Barely. Two missed payments, late payments, missed payments, whatever the f***. This year so far is insane. We're not halfway through the year yet. That is not, what do you think is considered reasonable? Reasonable? Yes. I'm trying to answer a question. it's under five at least so half so half to miss half the months is fine well i mean i've made every payment that i needed to yeah but late and then you're getting charged fees meaning you're having to pay more money okay so maybe i accidentally miscalculated my budget calculated maybe i forgot the date why would i what if they like overdraft me i don't want the overdrafts Why would you be overdrafting?

56:07Why wouldn't you have enough money in your checking account? You live at home. Make purchases sometimes. And sometimes maybe those purchases might be over my budget. And so why would I have auto pay on? Well, why would you be purchasing things over your budget? Maybe I accidentally forgot to look at my bank account before I swiped my card. No, no, no, no. If it's not in the budget, why would you be purchasing? Because I want it. But then why budget? Why not? Because it's doing nothing. Because you just, you go spend on what you want regardless. It's doing something. I mean, it's doing something.

56:40What? I pay all my bills. No, this is a bill. You were late. Twice this year. Not halfway through the year yet. It's okay.

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57:54I don't understand you this correctly because you're making it go even further and further away. That is not a seven action. That is not a seven and a half action. Not even close. Nine years to pay off. So nine years until you move out. I think I'll move out before then. How? How are you finding a way? What are you doing? You're certainly not starting OF. So what ways would you be finding? Maybe I could do a side hustle. You know, side hustle would you be doing? So the booboo's on the side. I could be a little boo-boo reseller. Are you? Well, how much have you made off of your boo's? Boo's. Boo-boo's.

58:31A little. How much have you made over how long? Profit. Profit. Profit. Okay. I don't even know if you know how to calculate that, but profit. I can pull out my calculator. I have a calculator, but you don't know how much you've made? Ish. Ish. It doesn't have to be exact. I haven't done that many, you know? Like, I've only like resold them to like my coworkers. And so like, you know. I don't want to overcharge them I don't want to be like those resellers That charge double the price To make a lot of profit Because I feel bad Because everyone is selling them for so much more And I don't want to be that kind of person If that is your entire intent behind the boo-boos Then do it Be a scummy mother f***er I don't support it But if that's the point Then I don't understand what you're trying to do That's going to be your side hustle that helps you get out and move and pay rent earlier?

59:22Well, I haven't fully figured it out yet. What? The boo-boo scheme? I mean, the boo-boo scheme is going to come and go just like the Stanleys did. I don't know. There'll be a new scheme. I'm just 22. You know, I have a lot of time to figure everything out. You do have a lot of time, but if your entire thing is seven and a half out of 10 wanting to move out tomorrow, that sounds like you don't want to wait a lot of time. So I don't understand the excuse of I have a lot of time. You want to move out now. Your priorities are whack You are preferring the boo-boos You are preferring I don't even Door-dashing Chick-fil-A on Klarna Pokemon cards every five seconds of your life Pokemon cards are cool Or moving out Choose one If you want to stay home forever, you can Again, I will support this Well, I won't give it a woo-woo, but I'll let you be If you want to live at home Purchasing Pokemon and boo-boos you can.

1:00:21Have you ever opened a Pokemon pack before? I'm sure I have. Have you ever just like, you know, bought like an ETB and then you just tear open a bunch of packs? It's the adrenaline rush. You know, it's like gambling. You're getting the dopamine and it is like gambling. That's exactly correct. And it's fun and then you can trade them or you can resell them. You know, I've got a good amount of cards. I'm not against that. I am saying choose that or moving out. What's more important to you? Is it moving out? I hope it's moving out. Yeah, it's moving out. Then we have to make some hard choices. We have to make some hard choices.

1:00:50That is what it's called being an adult. And you're 22, you're four years into adulthood. I don't care about your infantilization. I'm just a four-year-old adult at this point, you know? I got a lot to go on still, you know? It's only been four years. I think I've learned a lot, and I still have a lot to learn. But, you know... And that's okay to learn things, but you have to make adult decisions. You're choosing Pokemon over moving out, even though you want to move out. It's because, you know why? It's because moving out is a long-term process. Moving out is something where you have to save up.

1:01:24You have to have savings. You should pay off some debts so your minimum payments aren't as intense. You have to put first month, maybe last month. There's certainly a security deposit down. You might have to move and find a new job. Those are things that take two, three, four, five, six months, year maybe. That is a long horizon. Hard thing to look forward to. Hard thing to stay down and grind for where a Pokemon purchase is like that. You are only able to do those instant things. You cannot see beyond a day. You can't see beyond a day. You wouldn't even bring your phone charger to Austin when you came here last night and stayed in a hotel.

1:01:57You can't see beyond what is right in front of you, which is why I think you will never move out again. Or you will and you'll get evicted and move right back into home. You'll move out unprepared. I think that's how your life is going to be. You have another one that expires in 2025. but that one's a lot smaller. All the rest of them, of this Ikea card, are substantially higher. Furniture you did not need when you could have got used furniture. No, probably not a rug, but though you kind of get it professionally clean, but at that point, you know, cost difference. I mean, I had no furniture. I wanted furniture.

1:02:31I didn't want to lay on the floor. So I went and I got furniture. You're actually so stupid. I wanted my apartment to be a vibe. That is used furniture. It was a whole vibe, you know? Furniture used. It all fit perfectly in my apartment. No offense, Ikea is not a vibe. They have really cute stuff. I don't know what you mean about Vibes. Ikea's not great. They have really cute stuff. You would get better stuff off of Facebook Marketplace from the rich areas. They just want to throw. Okay, but like I don't got money like that, so that's why. Oh, you don't understand what I'm saying. Put it all on the credit card, and then I don't have to pay it off right then and there.

1:03:00I just swipe the card, and boom, done. I'm going to kill you. When a wealthy person is moving or when a wealthy person is renovating or getting new furniture or whatever they're doing, they just want to get it out of there. They just want to get it out of there. They will take it for chief, dude. They will. What do you think furniture flippers do? It's so easy. Resell. I don't know. It wasn't an actual card. Okay, what is Premier Bank card? A card. Yes, what is going on with this? It's just a card. I just happened to use it.

1:03:36Oh my gosh. I don't know how you've made it this far. Oh my gosh. What do your co-workers think of you? Do you even know? Oh, she's over the limit by$41 She's over the limit by$41.91 It's only$41 It'll be gone by next monthly payment

1:03:58I'm gonna break one of these again I've had to replace these now I broke it Damn it! Oh, the rage of this fucking show the rage of this show

1:04:16it's holding on barely

1:04:22for what it's worth you at least made your minimum monthly payment but then wait it must not have been on time because you had fees you had fees you had interest up to and you made a lot of purchases what were the fees what was the fee oh it's just a monthly fee this is a horrible card why would you have this card why would you just have this card's horrible you could have any other card Well, probably not you, but... With my credit, I can't get another card. Oh, then you need to close this card, man. You need to close... Okay, simple fact is you just need to close this card. Well, eventually it'll be closed, but you know, I don't...

1:04:52No, no, no, close. You call, you close. You call, you close. What do you mean eventually it'll be closed? Well, how can I close it if I don't have the money to pay for the whole card? You don't have to. You can close a card while it has a balance. Call them. That's a thing? Yes. Since what? Since cards. You can close cards if you have a balance on them? Yes! Yes, interest will still accrue, but you just can't purchase on it. This is news to me, honestly. They'll fight back. Some might not allow it, but with the majority, yes, you can. Listen, with the fees and everything, amount over limit? Oh, f*** sake.

1:05:21They're making you pay that into your minimum monthly. Your normal minimum monthly is$59, but right now it's$100 because you owe above the f***ing limit. But then I pay more off, so, you know, it's fine. But you don't. Like, in a way, like I do. But you don't. No, in a way. The balance of the card goes down at the end of the day, doesn't it? No, because you're over the limit. What the f*** are you talking about? Well, after I make the monthly payment, then yeah, the balance will go down. But you don't, or else you wouldn't be above the minimum monthly. Or else you wouldn't be above the limit. What are you talking about?

1:05:49Well, the only reason it's above the limit is because they use it. If that was the case, that would be the case, and it's literally not the case as I look at this. So that's incorrect.

1:05:58What do you say? I don't understand what you're saying. I don't understand half the things you're saying. This takes three years to pay off if you make your minimum payments only without purchasing things. They're telling me to use it for just food and Pokemon cards. Also parking in Amazon Prime and Prime and Sonic Drive-In, Cantina, McDonald's, Chick-fil-A. What can I say? I'm a foodie. Foodie is Sonic Drive-In. I really like the Dr. Peppers from there. I'm sure you do. You really look like it. $121.74 is the fees. $121 in interest this year. So instead of 36 % interest rate and you're above the limit, you're a lost cause.

1:06:40I'm sorry. I'm so sorry. Your worldview is so f***ed and you are so f***ed. All right, financial audit listeners. I just wanted to give you a quick update real quick because I let you know what tools and everything I'm using in my own personal life. And I want to let you know after a couple years, I finally made the switch to a better platform for investing. And I got a lot of sign up bonuses so you can get some money if you come with me. So I made the switch to Webull because it is the first platform that actually makes sense that I've used in a long time. Whether I'm on my desktop or phone, I've got full control.

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1:08:22I just, I don't, I don't, you're a creature. What even is this card? What did I put as the name of this card? What is this? It says Ikea. Can't you read? Is this another Ikea card? I have two.

1:08:37This furniture, you went about furniture in the most moronic way possible. Okay, Ikea number two. She owes, she's above the credit card limit on a Ikea card. what is wrong with you? Okay, well, okay. So I paid for the account, Assure. And well, I got it. I paid. Well, like I didn't really know what it was. And so like they started charging me monthly fees. I didn't realize how much it would affect me. What did they even sell you? What does it even say it does? It's like if I lose my job, then like I'll be fine. What? Then you'll be fine with what? I don't know. Like it protects if you lose your job.

1:09:17I think it pays for it. I'm not entirely sure. You got a$600 blow dryer on this card? Couldn't even make it through f***ing hair school. It was a Dyson Airwrap. It makes my hair look really cute for work. Your hair looks fine. I used it today. $1 ,011.82 on a$1 ,000 limit. Your hair looks fine. Minimum monthly payment,$40. What a joke. It was a good purchase. No, none of these purchases. Okay, Dyson are moving out. Dyson are moving out. Dyson Airwrap, oh my God. More than moving out. I love my Dyson Airwrap. It's godly. It makes my hair look really nice. See, this is why I have no hope. It takes so little time to do my hair every morning.

1:09:57I'm filming this because people put work into it. And because, you know, we upload three of these a week. And I'm sure someone will find this interesting. And someone will send this to the person they know that is just like you and as moronic as you. And someone will agree that the Dyson Airwrap was a good purchase. So there are actual reasons to continue filming this. But you are lost. Let's be clear. You are lost. If you're preferring Dyson Airwrap over moving out and actually starting your— I mean, I'm not saying that I prefer it over moving out, but that Dyson was a good purchase. I think your person, if you had a person, you know, like they would— Well, your girlfriend would probably really enjoy a Dyson Airwrap if she doesn't already have one.

1:10:37She doesn't. She would. She'd probably love it, though. And I can buy it because I can afford it because I've moved out and started my life. You can't afford to leave your parents. You want to leave your parents. You chose Dyson and paying for their stock price to go up for investors like me. Thank you. You're welcome. I just, I don't get it. I just don't understand why you, the choices you make are just so backwards. They're just so backwards. It was a good purchase. and then you pay a job protection bullshit on it and now you're over the limit okay well I canceled that I canceled that recently shut up you put a trip on this card apparently too they're telling me a what a trip what trip I don't know to a friend's wedding yeah yeah she is a super villain she's a little creature I mean it wasn't that far of a trip it was like to Navasota you know it was like a bit of a drive what did you just call me To Navasota.

1:11:43You know what that is? No! Or else I wouldn't be giving you that face. It's a f***ing place in Texas. Google it. Fine.

1:11:53No one's ever heard of that place except for the people that live in Navasota. I think you just haven't heard of it because you're uneducated. Do we know Navasota? Do we know Navasota? I've heard of that. Okay, we got one yes, one no. Because they're educated. Okay, three no's, one yes. So three people are uneducated. A small town and it's out. Okay. It's right next to Houston. You live in Houston. Why'd you have to put hundreds of dollars on this card? Well, the hotel room. I had to get the hotel room and then there was the speakeasy and I wanted to get drinks. I also had to get my friend a wedding gift because it is her wedding.

1:12:28You give people stuff on their wedding. I bet everyone at your job is just getting drinks every day just to make it through a work day with you. Buzz ball a day keeps the demons away. Listen, I get it. Support a friend. Go to the wedding. I love it, but look at how you're doing it. It's so stupid. She better be like a bestie. Yeah, she's my bestie. I'm jealous of her lifestyle, honestly. She's got a man. He makes enough money to support both of them. You know, they got a nice house. Maybe if you weren't a f***ing creature, you'd have one too. Maybe if I had a man that made more money than me. Yeah, you know, I'd probably be a bit better off.

1:13:01I don't think everyone makes more money than me. You're right, not everyone, but the majority, the median income in these United States does. I think I make more money than most people my age. Nope. Most people my age would probably be having other jobs, you know? I think I'm pretty far ahead compared to those people. I mean, most people are graduating college. And they don't have jobs. So I at least have a job. I at least make$40 ,000 a year. I mean, they might be in school, but are they making money? I don't think so. I am. Yeah. In general. In general, sure. For someone fresh out of college, yes.

1:13:34You do actually make more than that. However, they are going to quickly pass you because once they get above about 25, they're going to quickly surpass you, start getting closer to that$60 ,000 median salary in Houston. So yes, for fresh out of college, you are technically making more because they're around that 30 to 5 range, 30 to 35. They will be to 60. You will be stuck at 40. I can get to 60. No, you can't. No one will ever want to work with you ever. And no one will ever want to date you, which is why you are jealous of someone else who has a man that pays for things. When I give my girl a Dyson Airwrap, you'll be jealous because I paid for it.

1:14:11And I paid for it with a budget that I have and finances that I manage. Well, I still have a Dyson Airwrap. You have debt for a Dyson Airwrap that you still have. I have it, though, don't I? And you still have the debt. That's fine, but I have a Dyson Airwrap. Yeah, you can't move out of your own house. Shut the f*** up. What card is this? Premier. Premier card? Yeah. We already talked about Premier. Is this a different premiere? There's two. She has two of everything. She's insane, man. They offered it to me. How could I say no? Oh my gosh. How can I say no to an offer like that? So you will literally take any drug that someone offers you.

1:14:51Not any drug.

1:14:55I have morals. But you have no advocation for yourself. You opened this a month ago? You opened this a month ago? Maybe. And it says$703.67. Minimum monthly payment,$300. What's the limit on this card? Or minimum monthly payment,$30. What's the, what's the, what is the, what the f*** is the limit? 700. She opened it a month ago. She's over the, she's over the credit limit. Oh, I'm so close to just ending this one. I'm so f***ing close. I'm sorry. I'm sorry. I'm sorry. Ah, it's a hand-in-for-ending productive! I bought clothing for my interviews with that card. Dude, you buy a piece of clothing twice a day.

1:15:41Do not try to adjust the bike. I had to buy corporate girly outfits. You just need to buy an outer shell and accept your life. This is what you got to get. Just put on the shell, get in the water. That's where you belong. You're just going to TJ Maxx, Taco Bell, InReach, Marshalls, Premiere Nail Bar. Not worth it. Mr. Car Wash, you live in Houston. It's not a desert. It's not snow. There's no salt. I have a white car. I have a white car and it's brand new. And I want to keep it looking clean. Well, we know from the opening of this conversation and your car workers and seeing your boyfriend, you always prefer the white versions of everything.

1:16:20So that doesn't surprise me. But also, who cares? I want to keep my car clean. That's why I'm going to go to the car wash. That's why I have a car wash membership. Who cares? Do you want to move out or do you want your white car to be spotless? Who cares? I can have both. No, you can't. Yes, I can. As in you're not doing both right now. You obviously can't, though, or else you'd be doing both, lady. 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.

1:16:55Exactly. Cash app,$66.95. Charlie's Philly steaks. Charlie's Philly Steaks Collectible Dillard's Had to buy a dress for the wedding Some restaurant it looks like A monthly fee of$8 An annual fee of$79 Whoa This f***ing card Wait Pull it up Pull it the f*** up I don't know how much interest you're committing I don't care actually just keep it You're losing interest What a f***ing joke It's so stupid It's so stupid Capital One Great, we have a Capital One card It's only$300 It's only$300 It could be worse Shut the fuck up It's only$307 because the limit is$300 It is the third card that we are over the limit Shut up, if the limit was higher You would have made higher $25 minimum repayment $7.56 of interest accruing She purchased on it She can purchase on it and it's above the limit.

1:18:01What a joke. 15 months of it. It's for Freddy's steak, burgers and fries. I was hungry. You're always hungry. And it's Taco Bell the next time. Yeah, this diet's going real well that she bragged about. I just started. Everyone just starts everything a day before they come on the show. Shut up. If you do it three months from the show and the entire time leading up to that three months since coming on the show, then I will respect that. Do it three days before coming on the show? No. That means nothing. It's at a 29.49 % interest rate. I just don't understand how someone could be purchasing on a car that is above the limit, that is accruing interest, that we cannot fully pay off when we want to move out.

1:18:41This makes no sense. This makes no sense. It makes no sense. I'm just a hungry girl sometimes, you know. I go to work. I get hungry during lunch, you know. And so I go and I buy myself food during lunch. You have been raised on TikTok and it has ruined you. It has ruined everyone like you. You have no idea. You have no idea. Your life is going to be miserable because you think this is cute. You have no idea. The rest of your life is going to be f***ing because you think it's cute to just be a hungry girl. It's not cute. Your life is ruined. You're done. And I'm almost done. we have another over the limit credit card first community I'm not even shocked anymore it's just so sad we owe$1 ,011.03 with a minimum of$30.33 she purchased$8.73 on this and it has a limit of$1 ,000 it takes 7 years to pay off this$1 ,000 with a minimum of the payment only and no purchases.

1:19:54Seven years just for that. $14.69 of interest accrued. I'll pay it off before then. You are above the limit on multiple cards and there has been nothing that has even been close to paid off. That is a lie. Shut the f*** up. You've had a late fee this year so far. There is no way. I will just pay this off. Shut off. Shut off. Shut the f*** up. And you're getting busy B-Boa? Boa's good. It is good. you can't afford it I love Thai tea Thai tea from Busy Boba I'm sure I love it too I moved out of my house I moved out of my parents house I can do it I'm an adult I can do it no you can't you're a child you're a little baby enjoy your Pokemon cards on Boba live with mom forever I mean that's it that's the alternative that's the alternative what is this a pink card right Victoria's Secret Victoria's Secret Oh, man.

1:20:54I'm so close to just being done. You owe$47. You have an available... I mean, it's a$150 limit, so that's why you don't have much on here. $47.25. Fees,$2. Minimum fee payment,$30. That's the fee minimum interest charge. What a card to have. 35.99 % interest rate. What a dumb bullsh** card. $7.53 of interest this year so far. $4 of minimum fees charged this year so far. So stupid. See, that one's not that bad. That one's not that bad. Why do we even have this card? Who are you trying to perform for? You don't have it. Okay, I got it years ago. It was like one of my first credit cards. And I just use it every now and then to purchase undergarments.

1:21:40And I just make one monthly payment over time. Your minimum payment is lower than you said at the beginning. Oh, wait. No, it's not. Oh, you only made a partial payment, so that's why you have to owe the rest. Oh, and there's no way you haven't been late on this car. I have not. I'm actually a month ahead. I don't believe you. You're not a reliable source. I don't believe you. Where does the car get into 2025 Honda HRV? Okay. $34 ,728.76 is basically your month in income. Certainly is after taxes. Minimum fee payment,$599.15.

1:22:31What's it worth? Maybe like$20 ,000. $24 ,000. You're underwater by$10 ,000. What a joke. You just bought this? Well, yeah. What a f***ing joke. I was upside down on my other car, and I had to roll it over onto this car. At least it's a 2025 If you were under water Now you're under water again So it's the same thing So we may as well roll it into a 60 ,000 hour car But I have a better interest rate So it makes it okay It doesn't make sense You're going to be paying this It doesn't make sense When your payoff term is February 21st, 2031 That's insane That's not the far away It's 2025 2031, that's what, six years away?

1:23:14We're halfway through this year already You know what, we'll be there in no time Even with a low interest, right? The amount of interest that is going to be accruing for six years is disgusting. You're going to lose so much money, and then the depreciation, you're definitely losing money. Well, that's why I pay every two weeks to make the interest at least a little bit lower for each payment I make.

1:23:37Listen, well, let's see how you do it. I don't know if the way you're doing it works correctly. That's an insane debt. That's insane. Oh, you have student loans and you never graduated. Do you have payments on these? Probably, but honestly, I haven't looked at it. Do you have minimums set up? You don't owe much. It's$2 ,790. Your minimum payment would be low, like$25. I mean, I don't know. I've never, like, I've logged into the website, right? But, like, they've never, like, sent me something saying, like, I need to start paying. Well, they will garnish your wages if you don't. I don't know how it works.

1:24:20She has negative$30 in her checking account.

1:24:30You're never going to move out. You're done. You're done. My gym fee hit. Forgot about it. And it overdrafted my account. My gym fee hit that one? Yeah. My gym. I forgot that I had to pay that. And you know, so it made my account negative. If you started with$30, if you start with$30, you're already pushing it. You got Honey Farms and Oala and Zip Installments, Bagu, Dutch Bros, Spotify, Michael Stores, AliExpress, Amazon Marketplace, AliExpress. Can you f***ing AliExpress? I got outfits from Boo-Boos. From AliExpress? Yeah, they were cheaper there. What, Booboo? Shut the f*** up. Daisy-O. Tex-Mex.

1:25:15Goodwill. Sonic. Fortnite. Philly Cheesesteaks. Academy Sports. This is so f***ing stupid. Oh, here's all your pay advances coming in. $60. $45. $25. $20. $11. $11. $69. $2. $96. $2. $20. $55. $40. $20. $57.

1:25:43what apple cash going and getting some bs mr car wash again dutch bros taco bell zip zip five below philly cheesesteaks for the diet person she's eating out every second of her life marble slab creamery zip affirm zip zell chick-fil-a philly cheesesteaks going in and getting some liquor zelling out money ramen, Barnes and Noble, Kung Fu tea, Little Bubble, Whataburger, at pay later, zip, Taco Bell, zip, zip, total wine and more, zip. Yeah, drink away all your pain and suffering. You were negative 40 at one point. And then your easy tag hit. Don't take tolls. You can't afford tolls. But it makes me get to work so much faster.

1:26:31I don't care. You can't afford it. You're overdrafting with it. You're overdrafting with it. You're overdrafting with it. You're overdrafting with it. You're overdrafting with it. If you're overdrafting, we don't get to do tolls. How many overdrafts have you had this year so far? Do you even know? Not that many. Pull up your checking account. It only recently started. Pull up your checking account. It only recently started. Pull up your checking account, you f***ing person. Just listen to me when I say things. Oh, good. Capital One savings. Savings. 72 cents. Oh, we paid for Zip in there. And Verizon Wireless.

1:27:09What a joke.

1:27:142 ,314 hours of retirement. Surprising. So weird. You and your health savings account talking on this. It's so weird. It just makes no sense. Okay. It was your first overdraft this fee this year so far. I got it reversed, though. Honestly surprised to see that. I got it reversed. Honestly surprised to see that. I called right away, and I asked to get it reversed. But look how we're starting. Now it's starting. That's the only time I've gotten. For now, look where you are. everything's maxed out over maxed out except for the victoria's secret which is only takes like another 40 100 bucks to get maxed out you have no wiggle room you take tools you don't care about you just go crazy boo boo pokemon boba water burger chick-fil-a everything going and getting some liquor you're just it's so moronic you are going to overdraft again you are going to overdraft again there's not a chance you don't it's only happened to me once this entire two years.

1:28:08So you know what? I think I'm doing relatively fine. It's the first time. Having a job, I guess. Okay. I'll see if I can even make a budget. I don't even think you're worth it. No offense. You worth the time and energy. Clearly the last guy said no. Okay. Minimum payments alone. Boom. Like$1 ,109.76. What's your car insurance? $280. Gas? 30 bucks to fill up. How often you tit? Once, twice, maybe a week, depending on how much I've driven. Okay, we'll call 40 times times four. 180, let's say on average. Phone bill? 150. Okay, pay off your phone. Dude, it's so stupid. Do you have any rent or anything, utilities or whatever to the parents?

1:29:04Or are you just being a leech? Not yet. I'm going to start. I'm starting around August. August how much? $4.50. Okay,$4.50. We'll budget that in because August is right around the corner. Groceries,$300. Use our budget-friendly cookbook. If you want it, you can't purchase it, but sign up for the trial at DollarWise. Then take the annual version and I'll sign it and send it directly to your door. The budgeting app version at DollarWise. TP Fund,$100. Anything else you need to survive? Subscriptions. I usually like to put in$15 these days. Do you have any pets? My parents have cats. What's your gym?

1:29:3925 bi-weekly. Bi-weekly? Okay, 50. Medical health care, any co-pays on a monthly basis? You go see special help? I mean, I go to get my annual eyeglasses. It's just annual. Okay, nothing on a monthly basis? No prescriptions? No nothing? Okay, when she stopped at CVS, it was bullsh**, or she had an STD, we don't know. So I'll call that out. That was like a$30 thing you did at CVS earlier. What else? Anything else that needs to be in your budget? Speak now or it's gone. So no? I can't think of anything. Nothing else? Great. You're underwater by$134.76. You're never going to be able to move out. I mean, I'm sorry.

1:30:24You're a leech. You don't care. You think being just a girl is so cute. You're TikTok brained. You're ruined. I'm annoyed that I wasted this time on you. You're a joke. I'm sorry. I'm sorry. I know I'm being mean, but I'm also just not going to. You need to hear it because no one's ever told you. What you're doing is not cute. What you're doing is not nice. What you're doing is not funny. You're a joke. You're disgusting. You'll never have independence. You're never going to be with someone. You'll never get a better job. You will never increase your income unless you actually change your behavior.

1:30:54And that is the big recommendation from this conversation. If you change your behavior, if you change your outlook on life, go take some therapy and accountability actually deal with it in a mature way I can see you potentially getting a better job I can see you interacting with people in a more healthy way until then I don't know how the f*** you do it and I think you're going to be living at home forever and thinking you're cute collecting your little figurines you got nothing and I'm sorry because that's the reality of the situation and I'd rather just tell you the reality than f***ing enable you like everyone else in your life has because that's not going to help you.

1:31:37I'm going to give her her financial audit or her Hammer financial score, but make sure to join us in the post show with the link in the description or pinned comment below. Join the Hammer Elite version, by the way, thousands of hours of extra content. Right now, by the way, if you join it, we're covering the cost. So all you have to do is join Hammer Elite, then go to hammerelite.com, show your proof of purchase there, and then I'll send you a$10 digital gift card that can be spent anywhere in almost any country except for North Korea and Russia. And yeah, join that. We have three shows that get posted every day, Monday through Friday.

1:32:12It's incredible. It's the best YouTube membership in the history of YouTube. YouTube has told us that themselves. Don't miss out on that extra content. Hammer financial score. Spending it a budget score? Did you even? Oh, yep, she overspent. She brought in$2 ,592 and spent$4 ,644. $144. Spending in a budget score, 0 out of 10. What a joke. Debt. Horrendous debt. No collections, no IRS debt, but for your income, really bad. So 1 out of 10. For your income, it's actually horrendous. It's disgusting. It's horrible. I don't know how you're going to survive. I'll give you a 2 out of 10 to be generous.

1:32:46Emergency fund, nothing in savings. 0 out of 10. Retirement? Okay, let's assess. Where do you want to be? I have something in there. Shut up! I'm doing my f***ing thinking? It's not like I have zero dollars in my retirement. I invest 1 % of my paycheck into my retirement. That's better than nothing. That's better than nothing. I'm doing f***ing math of where I'd want you to be at 22. So just shut up. Shut the f*** up. You're actually halfway decent for 22 with growth if you keep putting in. I don't know if 1 % is going to get you there, but you're at least at 22. 7 out of 10 getting started there.

1:33:22Real estate, zero out of ten. I didn't see an HSA. Did you blow it? Is it gone? No. Technically, it's an FSA. Hammer financial score rounded up and you're lucky by that automatic retirement contribution that you don't have to do anything to do so you're not going to f*** it up because you already just set it up and it's automatic, which you should do for all your minimum payments. Hammer financial score rounded up to a two out of ten. You don't really deserve that, but you do get it mathematically at least. Join us for the post show. Make sure you download the DollarWise budgeting app if you want to take control on your money and join DollarWise Central if you want to take all of our educational programs for much lower cost and purchasing them individually.

1:33:58See you in the post show. He told me that if I pegged him, he would buy me an... Was it stinky? Sometimes he wasn't really that clean, you know? Was he laying down? Was he standing up? Um, all fours. He took back shots. Can you pull up the picture again? Oh. Get in. Okay. Collusive members content Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.