Most Batsh*t Crazy Woman I’ve Ever Met | Financial Audit

26:53How we should spend that money. Great. Okay. So if you have that much debt, why are you giving your dad 10 %? Well, I mean, I just send him$50 every week if I can. What is this 10 % then? You said, you said, you're totally lazy. You tied 10 % to your dad. It's 10 % of the$2 ,500 I bring home from my office job. To your dad? You said you sent him$50 here and there. What's true? It's usually$50. This is, again, why I don't believe your savings thing. What's true? You just said two things. $50 a week when I can. Recently, I didn't. I haven't. What's this 10 % thing? Maybe like two times a month instead of four.

27:30What's this 10 % thing? Because then it's in my budget. 10 % would be$240. $50, yeah. So it's approximately 10%. So where's the 10 %? 8%. Can I tithe 8 %? I'm not a math person. The dollars is not 8%. Girl, I don't know. I'm not trying to do math here. I'm just saying. And this is, again, why would I listen to you when it comes to what numbers are where? I'm not trying to teach you anything. Not teach. I'm just trying to get answers to your f***ing questions. What do you mean teach? There's no teach. I wouldn't go to you for teaching for anything. I don't know what you're talking about, man. I am the worst.

28:07In case you didn't know. I don't know, but I hope that's not the case. Yeah, me either. Yeah, you do 12 to 15 weddings a month. With that amount of time, 170 weddings a year, with that amount of time, the income you could be going and making and paying off all this debt. Because really, if we're being honest with just how money is transferring around and translating, this essentially means you are subsidizing you spending your time going and doing all these weddings by building up your debt. Because by the way, another reason why I don't believe in this savings thing, remember when you spent$2 ,000 more than you made last month?

28:47Like this isn't lining up. You are subsidizing you wanting and going to do this hobby when you should instead be working more and that would at least pay your bills. But instead of doing that, you are just accumulating debt to subsidize your business hobby. Can I pull up my savings for you? This is bothering me. I feel like I want you to see my account. Stop! I have it here! You clearly don't, or you would see where I have the money. I hate you. I hate you. No, I don't. I don't hate you. But that's very annoying. I hate that moment. Yeah. Because I literally have the documents in front of me. Can you let me go through them?

29:24You know, the show that you've seen a thousand times? You're calling me a liar, though, and I'm not a liar. I have the expression. I might not know things. It's ignorant. It's ignorant. It is ignorant. Great. But it's not lying. Wait, why are you here? Why are you here? I'm here to marry you, Caleb. That's why. I need my chance. What the f***? You and your boo. I'm going to marry you and your boo. You're like 35. I'm 30. 12 years. We could be boos in another lifetime. Power dynamics, lady. You could help me financially. You could pay half my rent. I'm just kidding. But I really would love to marry you and your boo when you get married and propose.

30:08Oh, you. OK. I'm never getting married. What are you talking about, Willis? No, I will not marry you, Caleb. By choice. Thank you, Will. Yeah, by choice. It's good. I love other people's marriages and I love doing weddings and everything. But I feel like it might not just be for me. I'm good. You can have a commitment. You can go solo if you want. Yeah. I do solo everything. fine but you can have commitment without the marriage for sure okay well I mean maybe if we get there I'll talk to you it's very peaceful especially since I know you charge not enough yeah I'm free oh that should be good oh you're free yep alright I don't charge people that I know like when vendors want me to do their wedding yep you do this as a hobby and you're going to I love it subsidize it I know you love it and you also love that I can't explain that enough you don't have to I know you like it that's not something you have to defend.

31:03It is actually very clear in your actions through subsidizing it through debt that you love it. I'm saying that might not, that's one, not sustainable for sure, especially since you don't have a dual income household situation. Whatever, that's what you choose. That's okay. I'm not judging it. But this means you have to take more responsibility on your own because it's all on you. And instead you're just f***ing it up. So it's not about you loving it and not loving it. I think I'm going to get a CPA. Yes, at a minimum would be nice. Because my cats are all jacked. Because what you might be doing I mean, well, your taxes might be illegal.

31:35No, I mean, I hope not. No, no, no. You can claim anything and everything on TurboTax. It doesn't mean it's real. But I only claim stuff that I, like, business expensive. Yes, but not everything's a write-off. Not everything's deductible the way you think, the way everyone thinks. Yes, yes, yes. Got it. You will get destroyed if the IRS decides to ever be. Better get my stuff in order then. I agree. You might have to. It's all in my email. You might have to re-amend some of those taxes, but we'll see. Yeah, that's fine. Okay, where do you think your finances land? Zero to 10, zero being the worst, 10 being the best.

32:042.4. I took it three times. Okay, very good. And what she took was the Hammer Financial Score, of which you can take for free. See where you stand in the world of finances. See where you're doing great. See where you need to improve. And see if you're just doing average. Take the assessment and it is free at calebhammer.com. And don't forget to sign up for the Dollar Wise budgeting app. You don't want to be like a guest who ends up on the show. If you like it, sign up for the annual version to save a lot of money. And there you will also get our budget-friendly cookbook signed by me mailed directly to you.

32:35And you can also bundle it with all of our educational products all in one for 80 % off by joining the top-end service, DollarWise Central. Check it out. Tens of thousands of people have changed their lives. DollarWise.com. All right. Time to get into these documents because there are a lot. What the f*** are you saying when I'm talking? Sorry. Oh, the coffee is kicking in for you. I can tell by your fast talking. That's all. I will shut my mouth. Well, no, it's okay. I just didn't know what you were saying because I was talking. I know. I'm sorry. Okay. Oh, City Strata Premier. I don't know the Strata Premier.

33:09I've never done the Strata Premier. Is this also a fat stack? Maybe we're doing another fat stack week. This is crazy. It's all one card. This is a ton. This is not all one card, but this is crazy. This is a ton of paperwork. I'm going to be here for a thousand years. City Strata, what is this? ladies and gentlemen of financial audit this is one of the most exciting moments in this channel's history you know i've been working on building all these educational tools our budgeting app all this crazy stuff over this past year because that is where my passion is we finally did it and now we put it all into one program called dollar wise central you get the premium version of my budgeting app you get the cookbook mailed to you and signed by me you get to learn about debt investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff.

34:00Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. DollarWise.com. Let's f***ing go. It's a credit card. I know. What the f*** you're using it for? What is going on with this card? Girl, you've seen the show.

34:35That card, I currently don't use it for anything. I did put two balance transfers. Well, technically three, but one was paid off. So right Right now, there's one on that statement. What do you mean? Like that$3 ,000 that you see is a previous balance transfer that's at 0 % till January 2026. Okay. Well, interest is accruing on here. Is it? Yes. Yes.

35:07Oh. How much for that month? $5. Oh. So it's from a previous one where the 0 % must have ended. Maybe I... You owe$3 ,254.95. Yes. Okay. How long does this take to pay off? If you do minimum monthly payments only. Oh. Without purchasing anything, which historically you're likely incapable of knowing how much you spend money. But yeah, let's see. 11 teen years. I don't know. Stop the quirky millennial bullshit. I don't know. So therefore... Listen, again, she's lovely. Just like the other person that was the quirky millennial bullsh**. I got called out for being mean to that person. But you have no idea if you're just trying to have a f***ing conversation on this show and they're bringing in their quirky millennial bullsh**.

35:57It is very obnoxious on the side of the table. Because it's interesting to see as the audience doesn't mean I have to enjoy it. Wah. Ha ha ha. How many years, lady? Okay, so let's see. 30 at 200 divided by minimum payment X times four. Hold on. For real though. Like 10 years. 12. Close. I want to fact check you're not spending. Pull up the statement on your phone. The current what it shows right now. Damn this would have been so much better on my computer. What are you going to believe that you're not spending? Listen I'm not lying. You act like I'm lying about stuff. Lying out of intention, I don't know.

36:40But ignorance throughout this, everything I've picked up in the, what, 35 minutes we've been filming? Yeah.

36:56This is this city, Strata. I know, because I did a balance transfer offer. Another one, another, a separate one. It's up to$7 ,000. Yeah, because I did a balance transfer offer. So this is new. Yes. And it's like 0%. The debt's worse. The debt is worse. It is, but it was moved from one card to another. Great, which opened up the ability to spend on that card. No. Yes. Because it's paid off. No, no. So therefore, I'm not using it. It's transferred off, you f***. Oh, yeah, yeah, yeah. It's at zero. That's, yeah. Yes, but then all of a sudden it gives you the ability to purchase. When you don't have money because you spend more than you make.

37:33Oh, my f***. Oh, jeez. I've been trying not to use the cards that are at zero. I'm thrilled that you're trying not to. She spends$2 ,000 more than she makes. Used to be a lot better. All right, so it's no longer$3 ,254. It is actually at$6 ,964.59, which, by the way, is only$500 from the f***ing limit. Yeah, and they keep sending me balance transfer offers. I'm like, dude, I have no monies. I cannot do another one, but thank you. Oh, my f***, okay. Oh, she's millennial, f***ing millennial, millennial, millennial. What are you? Are you a millennial? By a year. Are you a Zoomer? You seem like a Zoomer.

38:11I'm the last millennial. I am the final millennial. But it's not like... That explains the problem. No, no, no, no, no, no, no, no, no. I don't even do the gender bullshit because the gender bullshit is nothing. There's nothing scientific. There's nothing whatever. We just, as humans, we love to categorize things. I'm more of the belief you're not aligned with your generation. You're aligned with people 10 years older than you, 10 years younger than you. Those are the people you're similar to. Those are the people that you grew up cultural-wise. Other than that, it doesn't matter. and clearly, you know, you are outside of that range.

38:39But either way, just the stereotypes, you were doing the full stereotypes. What is the normal monthly payment now? Pardon me? What's the average monthly payment? What is the normal minimum monthly payment now that the balance is going off? Oh, the minimum monthly payment. Like$75 a month. Okay, so it's gone from$41 to$75. Very good. Take your phone. I don't want to catch the millennial disease. I know. Cooties. Girl cooties.

39:11Can I pull up my bank account for you? No, no, no. Stop. We will get there. I'm obsessed at this point. Can't think past it. Just stop. Please. Shh. First of all,$270 of fees this year so far, which is now probably$500 because of your other new balance transfer. Interest is never a coin. Yeah,$269.70 of interest this year. Great. that is occurring from only a$278.45 balance. And that was a separate balance transfer offer. Yeah. Okay. And by the way, it's just two months. Two months and the$3 ,708 from the past month, not even your new month, is when that starts to accrue in interest. So that'll start to accrue in interest in two months.

40:01Yes. Actually, from this exact date, less than two months. Great. And then with what you just put on, it's probably coming up in like, what, six months, three months, four months? I don't know. So it's not like this is great. You're certainly not paying this off with the way you spend money, the way you live your life, the way you subsidize yourself on debt. You are not paying this off by the time it starts accruing interest. There's no way. Yeah. Less than two months, good the fuck. What was your plan with this card? What was your grand plan? Probably do another balance transfer offer. and tell how long that's not possible.

40:32Yeah, I know. That's. And then what? Your endless kick the count down the road and let fees and interest accrue over time. Because even if you're balanced transferring before interest accrues in less than two months, you're still getting these$250 fees every time you're hitting these things. Yeah. So you're just getting that every few months. So no matter what, I mean, it's like you're accruing interest regardless with how often you're doing it. So this doesn't make financial sense and your debt is getting worse and you're doing nothing. To even pay it off? This makes no sense to me.

41:04Yeah, I mean, I'm being told then just you've done it two times with a certain debt alone. Just like boom, boom, boom. And now you're doing it a third time. You're about to do it a fourth time. This is just insane. You're not a credit card person. Why do you use credit cards? You can't manage them to save your life. The problem is, like, I got my first credit card when I was like 20 years old. Later than most at 18. No, I know. Yeah. it was one of those cards where you like it was secure. Why are you using them today? Yeah, I'm telling you. So basically from that age to like my late 30s, I was a credit card person.

41:42All of my credit cards, when I put money on them, I would pay it down and whatever. Yeah, yeah, yeah, yeah. So what had happened was I went on a trip to Africa. At the time I could afford it. Your ginger ass can't handle that, son. It was great. I went in the winter. So technically it was our summer, but it was their winter. So South Africa. No, I went to Tanzania. It's beautiful. You should go. You should take your boo there. She would love it. I stayed in a tree house on my birthday. Ike House is on the ground. Yeah, it was great though. And they had an outdoor shower. It was super cool. Very modern country.

42:24Yeah, it was neat. No, they had an indoor shower too. Um, so anyway. This episode is brought to you by Amazon Prime. Black Friday game day on Prime is an epic day of live sports. It all starts at 9 a.m. Eastern with a Capital One Skins game. Then Black Friday football returns when the Bears take on the Eagles at 3 p.m. And it culminates with the final night of Emirates NBA Cup group play with Bucks Knicks at 7 p.m. and Mavs Lakers at 10 p.m. Black Friday game day, only on Prime. I bought this freaking safari and then at the time I had zero car payment. I had my car paid off that I paid off in like two years.

43:07I was so proud of myself because back then I had more money and my rent was like$1 ,100 back then. So then I got in a car accident. So I had a car payment. So then that reduced some of the money I was bringing in or, you know, more money going out. I believe they call Orlando the Tanzania of Florida. It is. There's freaking giraffes everywhere and alligators. Except Tanzania has crocodiles. Lol. Okay, anyway. I forgot I'm quirky millennial. Ooh. That's what I'm going to dress up for is Halloween. It's quirky, but it's going to look like you. Sorry. So anyway, I used to be a credit card person.

43:50I used to pay them off all the time. I got into my safari debt. I saw all the freaking... I don't give a fuck. Okay, I'm sorry. You keep distracting me. No, you're blaming a fucking safari for this for$55 ,000 of debt, which is now higher. So credit card and loan debt is like, what,$26 ,000? And then my car payment is the other$24 ,000, right? You got more on credit. No, sorry. Away! Away! Ah! Don't get by that. Stop touching my shit, dude. Just like my mom, I'm telling you. Yeah, it's almost like you should have learned your lesson. I didn't. I'm even worse now. Thanks, mom. Okay, so you did not answer my question by any means.

44:35Okay, wonderful. Oh, no, yeah. So I used to be a credit card person. I used to pay it down. I did this trip. Then my freaking engine blew, so I had to get another car. I bought this Honda CR-V that I love, and it's beautiful and amazing. And so my car payment went up like double. Then my landlord wouldn't fix my toilet and I'm living like white trash over here in this apartment. So I got a house to live in. And so now it's all over the place. Like I have all my debt. Oh, yeah. Oh, no, it's not an excuse. This is the reason. Because I spend and I'm not able to pay it off. You're not a credit card person.

45:16Use the Fizz card, debit card that builds credit. Got it. And if you also decide to ever get a job that makes money. No. No, thank you. Then I will gift you a course career certification. Oh, I'll do that. Yeah, I wanted to do accounting. I was looking at it the other day. There you go. I'll get you it for free. Yes. Okay. Yeah, so all that interest is about to start accruing like crazy. Balance is higher than the statements you sent in, so that's wonderful. Okay, Capital One Venture. What's going on here, lady? I got a lot of auto pays on that, so I pay my insurance. $1 ,391.68 of auto pays? I mean, maybe.

45:52Because that was the purchases you did. Yeah. Which, by the way, is substantially more than you put towards the card in terms of any kind of payment. Oh, it's maxed out. That's wonderful. Well done. $29.08 of interest accruing. She looks confused that I say maxed out. You're right. Technically, there's a$30 thing on there. You go to McDonald's one and a half times. I just didn't. Oh, yeah. My Capital One. Yeah, yeah, yeah, yeah. That is. Sorry. I get my credit cards confused because I got a lot. Yep. We really trust the savings thing you're really adamant about. $4 ,957.82 is the balance of the minimum monthly payment of$7 ,80.

46:27So what's actually going on with this? It's not just minimum monthly payments. There's no way. Unless your minimum monthly payments are insane. Your auto payments are... $4 ,100 is a balance transfer offer. Yes. I'm the queen. Dude. For nine months. Doesn't make sense. I know. You're never making progress in your life whatsoever. No, legitimately. You're okay with that? No. Then why do you do it? Because you're doing it. You're choosing to do it. You just did it. I just saw your phone. You sent the statements and you've literally done it. So I actually didn't realize how bad my debt was until I pulled everything and I calculated it.

47:05I thought it was like, to be honest, like$12 ,000 or less. How? Of bad credit card debt. How? How are you so off? How are you so off? Well, the bad credit card debt is like$21 ,000. Why are you so off? Because I just, it was like I was blind to it. It was like I go online and I see my accounts and I pay off my accounts and stuff. Or not pay them off, but I pay towards my accounts. But I just wasn't, it was like I wasn't taking it in. All the credit card debt that you then transferred on European trips, Amsterdam, Paris, Dublin, and then your stupid African trip. Yeah. A couple years ago. This is just crazy.

47:44You're traveling endlessly. How often are you traveling? And then you spend it all on a card. Let it sit there. Don't do anything other than the minimum payment until the interest starts to occur and then you transfer it. And we just do that over and over again until you can't. Yes, that is the goal. That's the goal. I thought you said you didn't like it. I don't. Then why do you do it? You have not answered that question. Why do you do it? Hi, Alyssa in here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below.

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49:02Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal$0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at calebhammer.com. You will not regret any of these change your life today. Because in the moment, instead of paying that$60 a month for month after month, you do the balance transfer offer and it's like 1 % transfer fee. So you pay like$200. That's insane though.

49:41Well, you pay the 200 and then if you, if you have four months, okay, I can't even. You don't pay it off in time for any kind of benefit. Oh, I see what you mean. Yes, yes, yes, yes, yes. What do you mean? What else would I, okay, fine. No, no, no. No, no, no. So listen, you literally just did this before coming on the show. You took that action. Yes. Walk me through that moment. Oh, wait, what did I do before we came on? Oh, you just transferred to the previous card, you f***er. You tit. Listen, you just transferred because remember, I had a balance of$3 ,000. I'm so sorry. I thought you were talking about the Capital One.

50:18We're all over the place here. And I'm already all over the place. Walk me through it. You made that decision to just do that before coming on the show where you knew you'd be called out for it. Even though you yourself are saying you do not like doing it and you do not want to do it. It's a necessary evil at this point because I've gotten in the cycle. So I'm cycling through it. I'm an experienced person. And I grew up Jehovah's Witness. I was in a cult. Now I'm out. White trash Jehovah's Witness cult. I've succeeded. I mean. I don't have any broken down cars in my yard. Oh. Do you? No. Good.

51:02Don't you hate when people park up by their front door, like in their yard? It's a Florida thing. It's very weird. Yeah. I don't live in those areas. The old apartment I lived in, that's the kind of area it was in. Yes. Very good. Slumlords. Right. Yeah, it's a good time. Oh, this is where you learn your tax strategies from your dad. Oh, yeah. Your dad's never paid taxes because he's Jehovah's Witness? No. I mean, I don't think they correlate. I think he just didn't pay taxes. That's what it was just typed to me. Oh, I mean, I think it's two separate things. He's never paid his taxes. As far as I know, he didn't.

51:36I know you're in chat. Oh, wait a second. I know that he did because he worked for Disney, like helping build 20 ,000 Leagues Under the Sea. So back in the day, maybe he did. But as far as I know, when he had his own business, like growing up, as far as I know, he did not pay taxes. Because when I went to go sign up for college, they need your parents' tax return. So that's when I learned because my mom never had a job where she could pay taxes. It was always like under the table kind of thing. So I've, I learned from them to file my taxes. I know that it's super important. Gotcha. Let's see your purchases that were done on here.

52:18Our auto renews or whatever you said. Oh, you're going to love this. It's going to be great. I'm sure I will. I'm so excited. PayPal and Hulu. Paramount. What the, why are you getting? Parma, dude. Boxy, Charm Bipsy. Ipsy. Great. Ride Paris. Microsoft 365. That's fine. Little Caesars. Lots of Uber trips in here. Universal Orlando. Universal Orlando for$734. Sun pass, sun pass. Where do you f***ing go to Universal for$734? You live there. How much do you need to f***ing do that, you cat? It's for Halloween Horror Nights, which is a must. What? It's a must. I must see you in the fog. Don't go alone.

53:04Except I go alone. I don't know what you're saying. Taglines from Halloween Horror Nights. Oh, you're terminally online, aren't you? Because you're so alone. Yeah. I hear it. Mm-hmm. I'm online watching this show. Well, thank you. I appreciate it. Listen, again, nothing's wrong with being alone. Alone's great if you choose to do it. Oh, I love it. It's good. Everyone's journey is their own. I support everyone's choice to do whatever they want to do. It's not bad. It's not sad. I don't give a fuck. You live your life. But I can tell through your language that you do not spend a single second not in front of a screen.

53:36I mean, I just watch a lot of. Except for Halloween Horror, which already spent$800. I watch a lot of YouTube, like, true crime videos. So I'm always on YouTube. World Market. And there's premium. Yes, she is. And Miller's Ale House Forter. Miller's Ale House. It was foods. Great. So just bullshit, bullshit, bullshit all day. There's your$255 of fees because of your transfer at one point at some point this year. And then$46.95 of interest. Oh, and Little Seas. I don't know if I said that. What? What was the last thing? Okay. Not important. I've already been three times and it's magnificent. It's a pass.

54:19You've been. Get out of debt instead. You want to stop the transfers. Maybe. I mean, what do you mean maybe? I can't fight you. Huh? I said I can't fight you. Yeah, it's going to happen. Yeah, because that's the most basic ass thing you could do. Don't spend$700. You don't have. What was it? Yeah,$750. You don't have. You'll spend money there. You'll get food. You'll get drinks. No, I don't spend money. Oh, come on. No way. I buy candy. So I'll buy like$3 or$4 worth of the bulk candy. Their food's not really worth it, to be honest with you. No, it's not. But neither is going when you've already been and you have debt that is accruing at 30 % interest.

54:58Yeah. And a lot of more debts are going to start accruing at 30 % interest starting in literally just like a few weeks from now. November 1st. November 1st. Spooky season will be done. I know. But yours will just be starting. I'll be sad.

55:14Womp womp.

55:19She's throwing out womp womps. Womp womp. That's my life. My motto. My theme song. I'm going to die. My theme song after filming an episode like this sounds like a trigger being pulled. Affirm. Gun jokes in Texas. Wah. We got them in Florida, too. Yeah, yeah, yeah, yeah. I ain't hating. Oh, good. We owe$500 on some Affirm, but it started at$6 ,000. What was it? Near my plastic surgeon. What did you get? You look your age. What's been done? Maybe I had a facelift. No, don't make a joke. I didn't want you to be like, clearly you didn't or you're ugly or whatever. No, you just literally look your age.

56:03So I'm like, what happened? What did you do? So I got a tummy tuck. I skipped my yearly vacation last year and I got a tummy tuck in December. Is that the skin removal? Mm-hmm. So you lost weight? I was not recently. But a long time ago and you just had skin flapping around. Yeah, yeah, yeah, yeah. And it was really a lot. Flappies. My flaps were flapping. Oh. I know. I shouldn't have said that. I know. That can be the thumbnail. Again, age gap. Again, age gap. Listen, age gap. Well.

56:42I'll do 10 years. I'll say with the tummy tuck, so not only did it make my stomach look and I just feel so much better about myself. Oh, sure. Even though I'm like the only one that sees me naked. And it was$6 ,000. $7 ,000 technically. You're not out there dating? No, I don't date. No, I'm good. When's the last time you've been with someone? Ew. Like three years ago. I know, icky, icky. Desperation or just like, ooh, let's try to live life a little? I mean, I guess it was desperation. Let's call it that. Why did you do it? It was the long time. It's such an interesting, curious person. We can save it for the after show if you want.

57:15It's a story. I told her. Did I tell you? No, I think I told another girl. I've been telling people. You think all genders look alike? People need to know. No, I just was telling somebody today, so I just got it with her. No, oh my God, no, I'm good. You have not met a person in three years. Eleven. I've been single for eleven years. And I met one person three years ago. And then things f***ed. This is a finance show. So we're going to talk about her sex life. What made that happen? It was the long con. So we were friends for years. Was it Mickey? And then he got a divorce. Mickey Mouse. Oh, you f***ed your friend.

57:57He, we were hanging out together for months. And then. Was it a one timer? No, we started hooking up. Technically I did. Whoa. So seven years of dry spell. Nine years at that time. Yikes. And he totally took advantage and really screwed me over like crazy. What does that even mean? What it was screwing over. You were just. I think we should save this for the after show. We'll save this for the post show is what it's called. Oh, sorry. If you want the rest of the tea, we'll save it for the after show. It's a good one. It's a good one. I hope so. Unlike my credit card debt. Okay. Oh, but real quick with the tummy tuck.

58:43So although I look and I feel so much better. Good. I've always had back problems, like very bad back problems. I have like an L3, whatever the hell. Since they stitch up your abs when they do the tummy tuck, I haven't had back pain in eight months. It's wonderful. It's amazing. Yeah. It was debilitating. Yeah. Yeah. It was crazy. So yeah, I feel better. Can't get your back blown out when it's already blown out, right? LOL. That's true. All right. If they do it right. Drop in literal verbal LOLs. Okay. Oh, geez. So technically the tummy tuck was 10 ,000 all in all, including aftercare, post massages, and undergarments.

59:28Since we're both millennials, let me DH myself real quick. Six, seven. Okay. We're good. Let's go. He hates me. I hates me. I don't. I always say nobody will ever hate me more than I hate me. So good luck. You sure about that? You sure about that? Wow. Yay. I know. Joyful. What's your minimum monthly payment on this? $500. But I have one more payment. Yeah. Today. This month. The 18th. Very good. I want to incorporate that into your minimum monthly payments. Okay. City Simplicity. What's going on with this? City Simplicity. What's going on with this? I don't know. I just put a lot of charges on it.

1:00:11Oh, good. Well done. So that one is just random. You made a monthly payment last time. And then you purchased$607. You had a credit of three bucks. $73 of interest. What? You're over the limit by$162.26. Oh, for f***. Here it is. $4 ,162.26 with a minimum monthly payment. minimum monthly payment of$277.84. Why? This takes 20 years to pay off. 20 years to pay off. I've never looked at that statement. Great. Why would we look at statements that we are spending on? I should do that. You should do that because you're over the limit. You're going to get fees up. Oh, my. Okay. We got some Klarna on here.

1:01:00We got Pure Beauty. More Klarna. After pay. Listen. Here's the thing. Here's the thing. Here's the thing. Let me tell you. She goes. she afterpay, she clarmas. Okay, well done. Instead of making her payments of her clarna afterpay, she puts it on a credit card. She pays her debt with debt and then she transfers that debt to another card, lets it accrue. And then all of a sudden she pays the fee and transfer it to another credit card and then she transfers it to another credit card. Tell the end of time it pays one percent. So you're about to make a trade based on a friend's text. But which you do you listen to.

1:01:37Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. Balance fees until the end of day. The balance only goes up because of the 1 % fee. So every few months it goes up by 1 % endlessly forever. That's how we pay for our Klorna. Well done. That's wonderful. It seems much simpler than that when I'm doing it. Klorna afterpay. Beauty. Klorna issues. Wendy's going in. Getting some bullshit. Getting some bullshit.

1:02:22Wendy's Peacock Premium. Why? I don't know. I guess the new office show is coming out today. I'm excited. We'll see. Paperclip or something? What's it called? Calm down. Bye below. Duncan. Dunkin Donuts. I love their frozen coffee. Okay. It's good. Klorna Panda Express. Poppies. Popeyes. What the f*** am I saying? Go in and get into bullshit. Get into bullshit. Get into bullshit. And afterpay. What are we doing? Interest accrued$500 this year so far. That's a lot of money. Yes! Why are you allowed to even consider yourself to spend this much money? I don't know. On cards you can't pay off that is now over maxed out while you just blow all your time doing a hobby.

1:03:07What a joke of a life you're living right now. Yeah. I'm a clown.

1:03:15Okay. Okay. So here is a judgment then. And this is more of a question than a judgment. Again, I don't care about the, you know, I could be alone together forever. Like, I don't care. If that's how we want to live our lives, that's fine. Again, that doesn't matter. I don't want to be alone forever. I've just been alone for 11 years and I'm okay with that. I'm not going to settle. You suggested you were okay with. Oh, I am okay with that. Yeah, yeah, yeah, yeah. In the future. Yeah, I'm open to. I've been open, but I've been really focusing on like building. You've been opened three years ago, but that was the last time.

1:03:49Yeah. That really put me in a bad way. In the after show. I'm asking. Host show. I'm asking because you're alone which inherently is not a bad thing because you have no one to rely on you because you don't have that other half or anything do you not have as much care to clean this up because you're living your life like a way where you don't give a s*** is there nothing to achieve nothing to care for nothing that you are ambitious towards I don't know Is there no incentive here? There is none. And there's nobody to hold me accountable. My two cats are very bad at that. Shouldn't need that, but I'm talking about you wanting to improve your life for a reason.

1:04:39Yeah. Well, so, well, not only because I just didn't realize how much bad credit card debt that I have. But why do you even care? Because, well, it's bad. And I don't want it to get big. Why does it matter to you? because I just don't want it to get out of control. And I am open to like having a relationship, but I'm not trying to bring this into the, no, I'm not. Well, also I'm not trying to bring this into the relationship. I don't want them to bring 20 or 50 ,000 with a car into their relationship. No, but you don't like take someone's debt in a non-legal way. Yeah, well. Like in your first year or two dating.

1:05:20But when you date somebody, you like help each other out. So not in like your first at least few months. Yeah, no, no, no. So you can still get out there. Okay. You're just spending like nothing matters and you have no incentive to change because you don't, unfortunately. Listen, we're like a 30 % interest for this. Yeah. All right, Bilt. Yes. This is like the rent pay card, isn't it? Yes. Bilt, sponsor us. Come on, dude. Oh, my gosh. They totally should. I agree. They totally should. Okay, well, at least you're not maxed out. $2 ,728.68. Well, you purchased$4 ,011. You'd think it's all rent, but I have a lot of highlights below, meaning it's not all rent.

1:06:07Oh,$28 in minimum monthly payment.

1:06:12I usually don't use that card. This one looks like it's normally paid off. So I'm, oh, well, actually, never mind. If you normally don't, then I'm going to actually count it towards the debt. So never mind. Keeping it. 14 years to pay off. Sonic driving. Taco Bell. Bath and Body Works. Margaritaville. Oh. In-flight sales. Avpay. Avpay. What is that? OVpay? Avpay. Oh. To go on the tram in the Netherlands. Oh, good death. You just did that? Yeah, maybe I went in June.

1:06:45The Margaritaville, though, was like$400. but it's only because we had a cabana and they put it all on my card but everybody paid me back. Who's we? We is a bunch of wedding vendors. We had a pool day at Margaritaville. We got cabanas and we drank and ate and swam. Tony's chocolate, Netherlands. Tony's chocolate's the best. Station souvenir in Paris. El Crippierre, Paris. Vanguard distributed, Van Gerrad, Paris, I don't know. Going in against the bulls**t, Bernard's Market. Currency exchange, currency exchange, currency exchange, currency exchange, currency exchange, currency exchange, currency exchange, high at residency.

1:07:31This is crazy. That was$1 ,000. You can't afford this trip. You're drowning in debt. Your business doesn't make money and you only make$44 ,000 below the median net income for that area. what the fuck are you doing going on a big European trip at 42 who the fuck do you think you are Queen Elizabeth the Hyatt from Netherlands she's dead are you suggesting that you're one day I actually paid two nights with points so they did refund that on the next statement so the Hyatt charged $4 ,000 no not four oh it was for$1 ,000 so one night was supposed to be paid with cash and then two nights were points and they messed that up but they did credit me on my next day but the whole point of this card is to pay your rent on it you're just going and blowing all this money in Europe I used it as my 0 % foreign transaction fee card so instead of oh there were transactions at a minimum but then no fees no fees but you shouldn't have gone you can't afford it in any way whatsoever my points were expiring That should have been a reward trip after you got out of debt and had a fully funded emergency fund.

1:08:44I'm going to go to Antarctica. Okay, that's not booked. Not now. No, no, no. When I get out of debt. Yeah. I'm going to get back into$20 ,000 debt. That's more your weather. Going to Antarctica. Yeah, I'm going to wear a jacket and a cap. Wow, a cap. Seal skin pants. You know, the drill. Okay. It's what they wear, right? Stop. Okay. Southwest Rapid Rewards. What's going on with this lady? I love Southwest. I flew them here and I will fly them home. I've never heard someone say they like Southwest. I love Southwest. My only problem is that they don't let you choose your seat in advance, but they're starting to do that, which actually kind of sucks.

1:09:25Isn't that a pretty big thing that you would want to do? Hell yeah. I do because I like a window seat and I'd like to know where I'm staying. Because their customer service, like the guy yesterday when I flew here, was acting like the Grinch. And it was fantastic. He was like being real mean. I love the Grinch in September. Hey, I love the Grinch all year round. That's what I like to see leading up to 9-11. Someone going crazy on an airplane. Yeah. He was being real rude, calling people needy. It was fantastic. It was so needy. This plane needs to go down. Yeah. It wasn't the pilot, luckily. You needy bitches.

1:10:01They weren't the ones who did it. Oh, yeah, that's true. It wasn't the flight attendants. They weren't the ones who did it. Oh, yeah, you're right. was our government. The number one YouTube membership just got upgraded. 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. Then take the train! And brand new shows, Fat and Fatter. That one is I would go off brand Behind the audit This was wild Shop smart

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1:11:10$461.13 Yeah I do the snowball method so I'll have that paid off What do you mean when you say you do You don't do a method You're just spending your blowing money What? Blowing money on credit cards in Europe What is your snowball method? You've never heard of snowballs in your life I like to pay the small ones first What do you mean you pay? You spent on this. Oh, yeah, but then I pay it. No, you don't. Not always. That's not true. This takes 13 months to pay off. You've never heard of snowball method. You've had interest accrued this year so far. You don't always pay it back. David Ramsey does not agree with your snowball method.

1:11:47That guy. He stole my bike. David Ramsey? Yeah. I don't know what his problem is. He stole your bike? I'm just kidding. I could have said he got me pregnant. What was the joke? He got you pregnant? And then he stole my bike. How am I going to get to the hospital and have this baby? Is this a 42-year-old joke that I just have never heard of before? No. I've missed this one. I'm bad at jokes. Might try, though. Oh, you're okay. Honestly, just a little, you know, in this kind of conversation, that personality annoys me. And I'm okay with it outside of here. But that just wasn't, what even was that?

1:12:26Whenever. Okay. Okay. Okay. Over a year to pay off. Good. Amazon. All glammed up. Yep. Darwin Curb. La Madeline. Going in and getting some bulls**t. Going in and getting some bulls**t. French pastries. Wee wee. Okay.

1:12:48Okay. Yeah. Sure. Pull up your Amazon for me. If you may, please. So we do share. So I use my work. Who's we? Through my day job. My full-time office job. we have the Amazon how many well I wouldn't know what's yours then tell me what's yours well I buy scar tape for my scar how big is it? my scar? so you have to wear it constantly? it's scar tape so it helps get rid of your scar will it? yeah I hope so because I also use the cream with it that's what my doctor recommended oh I bought air filters for my house I bought But, wow, we buy a lot of stuff. Oh, I bought a hand-fasting cord where the couple will have their hands tied together when they, um...

1:13:37Oh, I bought a filter for my car. Oh, we already did that. Oh, no, I'm sorry. I bought AC filters for my house and then I bought a cabin air filter for my car. Wow, we... You endlessly pay a shit ton of money on Southwest to go to South Dakota? I love South Dakota. What are you? I love it. It's my home away from home. You can get a really good deal going from Orlando to Denver. And then you rent a car in Denver and you drive up to South Dakota. That is not close. Yeah. It's like three or four hours. It's three and a half hours. Okay. To get to South Dakota from Denver. The border. Way better than, no, to get to the Black Hills of South Dakota where I go.

1:14:21Near Mount Rushmore. You know it was. Custer State Park. Orlando. Africa. Yeah, what? Black Hills? Yeah, the Black Hills. I think I know your type. Yeah. What, country? White trash? In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middleman markups and put American patients first. Visit phrma.org slash middleman. BBC. What is my type?

1:15:08Big, whoa. What? What is it? I don't know what that means, BBC. By the way, it's a six-hour drive via the maps. It's a six-hour drive? She doesn't even know. There's no time. She doesn't even know time. She doesn't even know time. Okay. I could swear I drove it in three and a half, four hours. 670 miles. We clocked it six hours, two minutes if you leave right now. Hmm. Interesting. Hmm. Okay. PayPal. Business. Loan. Oh, you have a business loan for the business that makes no money? Yeah. Oh, why? Why not? Because the business makes no money. Yeah. Would be my why not. I feel like the business does make money.

1:15:54Oh. Oh, interesting, because your taxes didn't say that, which means IRS. Did you hear that? She says her business doesn't make any money when she files her taxes, but she's saying here that she actually makes money. I feel like it does, but clearly I need to review. You feel like a six-hour drive is three hours. You feel like you have money in your savings. You don't. I do. Well, you have money, but it's not what you think. Everything is feelings-based with you. It doesn't work. Yes. What? I'm sorry. I spaced out. I do that a lot. I disassociate. It's the only way I get around. Do you go into the office for your job?

1:16:34No, we work from home. Oh, I need you to have human interaction. No, I get enough at the weddings. I guess. That's like not normal. That's like wedding energy. Yeah, it's a different person. That lady up there doing weddings is not me. Okay, so what's the current balance on this? I don't know. Well, you just took it out. $5 ,000 then. What? It's a weekly payment? Yeah. It's a weekly payment. Death of$101.85. The interest looks like it's like$15. I pay it with my credit card. I don't do that. Just kidding. I knew you'd love that though. It shouldn't have any weekly or monthly or any interest because I paid the one-time fee.

1:17:20Yeah, which is what that is. I'm calculating that. Oh, okay. I see what you mean. Yeah, sorry. $407 a month. Yes, sir. What did you take this out for? To pay down my debts, my business. So I have the advertising that comes out on my one credit card. So I definitely used it for that. And then maybe other stuff. Maybe I used it to go to - Wait, do you not know? Did you? No, I didn't do that. I used my tax return. What did you use this for? What did you take it out for? I'm asking you that question. To pay off my debts. So I paid off credit cards. A lot of the. So my Chase Bank card. And that works so well.

1:17:57I know. You keep doing over and over again. And it's never worth once. It'll happen one time. I'll get it paid down. I'm excited. I'm ready. You are middle aged. Right? Yeah. What? And? Like if it's going to happen, why hasn't it? You're in the middle of your life. All of this stuff, all of this is literally after 2022. So I just went buck wild, apparently. I just didn't realize like how wild I was going. But I did. And here we are. Best Buy? You have a Best Buy card? Oh! You have a Best Buy card with a substantial balance. $3 ,260.30. Why? What? Let me guess. You need a laptop to send emails?

1:18:45No. Well, I mean. $33 minimum payment. You purchased$39.70 for some moronic-ass reason. By the way, 18 years to pay this off. Minimum payments without any purchases, which you purchase.

1:19:01What the f*** is going on? With the Best Buy card? Yes. Why is it such a substantial balance? Let's start there. So I did a balance transfer offer. Oh, okay, great. On the Best Buy card. Who uses that for that? They do that. And then she went to Sonic Drive-In and got gas. What the f***? No, I didn't. I got corn dogs. Yes, you did it. Yes, you did it. It's right there. Oh, I thought you meant I got gas at Sonic. I got corn dogs at Sonic. You can't get gas at Sonic. I was wondering why you said that. I thought you said you got gas at Sonic. You just talk so fast. I can't keep up. My brain is slow.

1:19:34You're telling me. Like a Sunday morning. It's just slow. You know, slow and chill. It's Thursday, you mother. damn it 30 percent interest are interested in death and stupidity and moronic behavior 151 dollars to fees from the transfer okay when does that interest start occurring from the big balance oh good uh like five weeks yeah five weeks oh like november 1st Mm-hmm. So that card, I had a promotional offer on it from when I purchased probably my last phone a couple of years ago. And it went down to$150 that I had to pay off and I didn't notice and I didn't pay it off. And then one day I woke up and there was$1 ,200 in deferred interest on my bill.

1:20:28And I was like, what? So I called them and they took it off. Really? I almost died though. You don't deserve that. I don't deserve that. And the guy was so nice about it. But he said, as long as you can pay it off right now. And I was like, I totally will because I didn't realize I had just that much. I didn't know I had anything left on that loan. I thought it was zero. So that was a big lesson learned. Okay. USA Bank. Yep. Credit card. U.S. Bank. Okay. On this, you owe$2 ,552.52. Great. Not that far from max out. $78 minimum payment. Woo. Oh, interest$52.52 occurring. So what are we doing with this?

1:21:12What? I honestly can't remember what I put on that card. It was like a year ago. It was a year ago. I'm telling you my spending. It's just... $82 a fee this year. I don't think this has a... What is that fee for? I don't know. $82 a fee? Is that late payments? $53 of interest. Which means interest has just started accruing, so your interest rate period on something has just ended. Yes. Okay. I don't know what the fee is for, but I'm not like... Prance for this? Probably. Dude, this is what you do over and over again. Yeah. You're never going to result in any progress in your life. Agreed. Yet you do it.

1:22:00Yes. That means nothing. and your agreeing with me does nothing. It definitely doesn't take back all the credit card charges or prevent any future ones.

1:22:12Yeah, okay, Chase Inc. card. What's going on with this? That's the card that my advertising goes on. Oh, 500 bucks. Yeah, you spent 213, yeah, interest accrues. So yes, we're going to call this a balance. $500.90 Minimum monthly payment$188.76

1:22:37Okay Fees $9.80 For fees For what? $9? Did you say$9? Last month $69 this year Oh it's a plan fee A plan fee for Airbnb Yeah And then a plan fee for seduction Cosmetics My plastic, or my tummy tuck. So I said it was$7 ,000 because I paid a$1 ,000. Yeah. Yeah. The Burlington Coat Event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event.

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1:23:3821.49 % interest rate. Went and got some bullshit thing from the supermarket. Got some gas. Something at Honda. I don't know. Oil change. Always an oil change. I drive a lot. What's going on with this? How much is that balance? Okay,$1 ,014.07. Oh, so that's the one that my advertising goes on. I actually don't know. She spent$863.11,$14.07 of interest is accruing. Yeah, G Suite, the not worldwide. That's advertising, yeah. Okay, and then the not worldwide that's advertising. Okay. $22 of interest this year so far. Okay. A minimum of the payment is... Is credit card interest tax deductible on a business credit card?

1:24:33Because I don't claim my interest.

1:24:37And you're the tax pro. I actually don't know. I'm not the tax pro. I know. I was kidding. I was kidding. I was kidding. I'm going to talk to a CPA. I know lots of tax questions, but I actually don't know the answer to that.

1:24:49I mean, someone proposed at some point having all interest on credit cards being tax deductible, but I think that would be... Oh, that would be awesome. That would be ridiculous because why the fuck would we allow someone's behavior to be tax deductible and then all of a sudden just never paying off their debt? It's so stupid. And then it's just a business that would just be so beneficial to the credit card companies. Like we're just supporting them as a country and culture. That's so weird. Yeah. Like subsidizing them. Amen to that. I thought the interest itself would be tax deductible, but your payments to the card may be...

1:25:17No, because then you're spending...

1:25:23Interest you paying a credit card is deductible as a business expense if the charges on that card were used solely for a business purpose. Wow, that's awesome. Sole proprietor, deducted on Schedule C. That's what I buy on Schedule C. Okay, so you should be doing quarterly, by the way. Oh, okay, I will. Two quarters behind. Late fees are not tax deductible, though. Yeah. Okay. Why wouldn't everyone just... Okay. Okay, freedom card. What's going on with this? Freedom. I just have one recurring charge on that. Great. $125, but we don't pay it all off. $204 is owed and 81 cents. Minimum monthly payment, 25 bucks.

1:26:12That's all you put towards the last time and then allowed that recurring charge to hit. $4.81 of interest. that is a medical spa. Something critical when we can't afford life. Correct.

1:26:26Honda. Oh, this is your car. You're driving everywhere, right? Yes, sir. It's got 74 ,000 miles on it now, and I got it when it was six miles. Okay. Good. In two years. Well, you owe$27 ,124.90 interest rate of what? 5 point yeah okay not the most horrendous thing in the world not thrilled with the depreciating asset $551.60 is your minimum repayment that kind of sucks for your income situation for sure what do you think it's worth? so cash 26 trade in 21 to 23 I got cash 24 but oh that sucks I Kelly Blue booked it oh weird okay Yeah They keep trying to I mean if you got up On the higher end But if you bring in the low end And then do in the middle It's about 24 Yeah I mean I couldn't Private sell it anyway I'd have to Trade it in or something Take a loss Okay well this Minimally payment Is substantial for your income For sure Breaks the Every rule in the book What is that 511 hours and 60 cents I figured if Hit the fan I could live in it Uh You might have to My standards are pretty Literally 21 % of your income.

1:27:47Yeah. Why don't you trade down? Maybe, but I love it. It was the best thing that ever happened to me, which tells you how sad my life is. Ah! The best thing that ever happened to me was I got to do a wedding in Alaska on a glacier. I don't care. I'm sorry. I'm sorry. I don't care. That's not this conversation. That's not this conversation. You can get married there too. This is not... So I have been car shopping on Carvana recently. Trade in? I don't know. I was actually going to ask you that. I'm getting the itchies. Well, we got a couple options. So I'm going to go. 2015 Toyota Corolla. Yeah.

1:28:27And a 2017 Toyota Corolla. Yeah. And a 2017 50th anniversary edition Toyota Corolla. Uh-oh, I don't know what that means. And a 2016 Toyota Corolla. We're going Toyota Corolla across the board. Sounds good. I want you to shop and choose which one you would trade in. Let's see here. Yeah, take the options. Don't pull off the sticky yet. Because these are what you're shopping for. Lindsay's been said, this is what you've been shopping for. So here's the options that we've pulled. So this is literally what I've been looking at. So yeah, pick what you'd pick. What could you pick? You got the miles on there.

1:29:00And by the way, this is in Orlando, Florida too. This isn't even here. Probably the 2015 with 52 ,000. Okay, 2015, 52 ,000. Let's see what that is going for. $16 ,990. So you would be at a$20 ,000 loan. So it doesn't really make sense anyway. Especially with where your credit score likely is and where interest rates are, your interest rate wouldn't be great. So that makes no sense. My credit score is a 735.

1:29:31Well, that's if you're shopping on Carvana. They have fees to deliver. So I'm hesitant. Like, I'll drive to Tampa or wherever to get it. But if we get this 2017 Toyota Corolla 73 ,000, not on Carvana, that's 12 ,000. So we would be at like a 15 ,000 hour loan because Carvana is a piece of shit company. Oh, I was going to say. That nokes you and they won't even negotiate anything. Oh, yeah. Now, this does have more miles for what it's worth, what it is a newer car. Who knows what the condition is. And so this is a Carvana one, if I'm not mistaken. this is a$16 ,900 car Toyota Corolla's 2017 with 70 ,000 miles.

1:30:12So substantially expensive. But if we go to the 2016 car, comparable more to your 2015, at 79 ,000 miles, this Toyota Corolla, not a Carvana, 10 ,900. Ooh. So either way, I mean, that would save you with the value that you need to borrow to pay off the car loan with what you currently still owe on it and what it's worth. that would be a total debt of like$13 ,000 if you got that car. I'd be down with that. Trade it in,$13 ,000 loan. That would be good. That would be substantially better than$24 ,000. But again, the interest rate might be rough, but if it is, you're still saving more money if we pay it off quick.

1:30:49So that would still be worth it in my mind. Okay? All right. Let's talk about the checking account. $31 is horrendous. Yeah, my personal checking. I keep no money in that account. That's horrible though. If any payment hits for whatever reason or even just accidental swipe. I have overdraft protection. So it pulls from my savings account when I do that. Let's see. $50 PayPal,$45 Zelle. $50 is to my dad for PayPal. And the Zelle. And the Zelle. $45. Yeah. And the rest is just transfers back and forth.

1:31:27Not sure what a$45 Zelle would be. Probably something stupid, though. And then this Chase Business Checking,$2 ,750, started at$4 ,000. So it's headed on the way down. I loaned my brother that extra money. Why? Why are you loaning your brother money? Because he needed money. Dude, you just don't have any. But I have it in my checking account. No, I should be going to debt. In real life, I have money. What did he need it for? I don't ask him what he needs it for. In real life, I'm not doing drugs. He's not doing drugs, so I don't care what he spends his money on. no what did he need money for he just said he needed money oh you might be enabling someone you don't even know lots of Venmo and Zelle a lot of shit who knows where that went PayPal Best Buy Best Buy Zelle Zelle PayPal Zelle Best Buy PayPal Zelle PayPal Best Buy Best Buy what are you getting from Best Buy every second of your life okay here's savings $2 ,000 Woo-woo.

1:32:28And then here's savings,$2 ,650. Wait a second. Okay, so it's about half of what we thought, but that's, again, not surprising. At all. It is$9 ,000. In any way whatsoever. Okay. $4 ,000 savings. Gotcha. It's nine. It was nine. Was, isn't. Okay. No, I mean, this time period, it was nine. I don't know why. I don't know. Because I have four. I have two savings and two checking accounts. Your checking isn't savings. And that was$2 ,000 in your business. That was brought down from four. So you're right. If you add the four and four, you're close to eight. But you brought it down to two, loaning to your friend.

1:33:10And that's not savings anyway. That's your business. So listen, stop. No more. These are your statements. You have$4 ,000 in savings. You have a couple thousand in your business checking. Okay? That is it. And like$40 in your personal checking. So I don't want to f***ing hear it. Got it. Oh, my gosh. Dude, I don't think you know what savings is. It's the money I've been saving. Okay, your income is$2 ,452. We're going to do expenses not including business because it's a wash. So debt payments. Let's add those up. 75 plus 78 plus 227 plus 0.84 plus 28 plus 40 plus 407.4 plus 33 plus 78 plus 188.76 plus 40 plus 25 plus 551.6.

1:34:08No student loans, no house, so nothing that's actually benefiting us in any way whatsoever. However, minimum monthly payments to the debt,$1 ,772.60. That's crazy for your income. That is death. That is insanity. You are ruined. That is 72 % of your income is going to debt. What is your rent? $1 ,850.

1:34:33You're over$1 ,000 over budget already. Oh, between the minimum payments and the rent? Yeah. Yep.

1:34:48Okay.

1:34:52One, you need to downgrade your living situation immediately. Okay. Can I get a roommate? Yes, please. Cool. You kidding me? Just kidding. I don't want a roommate. I'll have my two cats pay rent. Okay, so it's a joke to you. Nope. You need to downgrade your rent situation capped at$1 ,000, which yes, it's not going to be perfect. It's going to be a downgrade. It's not great. I know. A thousand. That's where you're capping. What? What what? Um. In two? I don't know. Listen. Yes. You can dedicate time to this side hustle, whatever bullshit, but you got to pick up in other side hustle. It is time to pick up something else.

1:35:32And I did just get a note, which thank goodness, because I wouldn't be able to budget this without this. but I guess you're open to calling your friend and asking for a side hustle. So we always do phone calls in the post show. So you're going to call your friends and ask for this job in the post show. And then we'll hear more about your tea. But the reality is, I mean, what the f***? This is crazy. 300 for food, 100 for TP fund. What's your gas? 160. But that's going against your business. So we're actually going to write that off. And also that number doesn't really make sense for the mileage you drive.

1:36:10So I don't write off my gas. I do my mileage. Does that? Okay. Well, yes, that's going to cross for me. Okay. So I'm not going to put that in a budget. Phone bill? For$40 a month. Okay. That's pretty good. That's a little more than what we recommend of helium, but that's fine. Internet, utilities, all that? $60 for internet. $75 for water. $150 for electric. Medical healthcare co-pays anything? I have my$50 mental health every month. And a$15. It's not therapy. Although I could benefit from that. $15 a month for dental insurance. $100 every three years for eye insurance. Okay, that's fine. Jim?

1:37:07$15. Subscriptions? I mean, it's not even choice. Cat food? No, they're all going away. Cat food? $40 a month. I mean, just your budget alone, and I can't wait for this phone call. But the thing is, as far as I know, you haven't talked to your friend. Your friend doesn't even know about this, and this was the idea that you kind of came up with in the green room as a way to supplement your income because as you looked at your statements before this, you're like, oh, there's no way I can make this work. So we're going to call. You're going to call. You are going to try to get a job in the post show for the very first time.

1:37:47You need$5 ,000 to survive in a minimum basis. $5 ,024. You need to double your income in a minimum basis. This is crazy. That's where we are. I'm sorry. I mean, there's no debt payoff strategy. We need to figure out the income thing. Yeah. All right. Let's get the financial score and then we'll jump into the post show. Spending to budget, overspend, 0 out of 10. Debt, I mean, no collections or anything, but it's a horrendous debt for your income, 1 out of 10. Emergency fund, 4 ,000. We'll call that 4 out of 10. Retirement, I didn't say retirement, 0 out of 10, is it retirement? Walmart. How much?

1:38:23No, I mean, I'll give you a Walmart grader. I'll say 0 out of 10. Hammer financial score, 1 out of 10. I'm going to die at 63. When you took your quiz, your savings was probably higher or you calculated your savings incorrectly like you did here and that's why the score was higher. Remember, you can get your score at Calebhammer.com. Now join Hammer Elite below. Three premium shows posted every single day, Monday through Friday and come watch this post show. We'll see you there. It's going to be good. I want to hear the rest of that juicy story. I told this guy when he was hitting on this other lady while we were together, I said, if you screw her, I will f*** her husband.

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