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

28:02Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? You can try DollarWise for free until September 1st. 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! That wasn't my previous job, you weirdo. But, okay, okay.

28:39So the reason why that's a thing is because my boyfriend now is better than my ex-boyfriend. Oh, for fuck's sake. And my ex-boyfriend was someone who initiated that kind of... Yeah, but you participated. Yeah, I participated. But you participated. I know, I know. So yes, I can't use PayPal because I tried to cheat the system, but it wasn't a job. It just happened that once. I've never had longer notes. This is a fucking rapture. This is crazy. I know. We talked a long time. No, no, no. Oh. Quiet. I don't even know what the f***, man. I don't even know what the actual f***. I'm so happy to be sitting here talking to you.

29:29I hope it's mutual quiet the world has been a struggle for her back in 2021 she left her parks and rec job to work at her other grandparents bed and breakfast but she moved back to her home her hometown after that and then picked up a forest job because she didn't want to be around the rich people so she worked at the forest service then got fired from her job at the forest service for ghosting work after too many mental health days oh here we go yeah tiktok mental diagnosis on this one probably no okay incorrect okay no surprise she is an astrology girl budgeting gives her the ick by the way but self-sabotage doesn't says this she says that 70 to 80 percent of her life confusion is tied to money stress sometimes she claims money isn't even real she has a backup plan slash dream though and that is becoming a writer a youtuber a podcaster and a singer.

30:27Hasn't posted one thing or written a single thing. And we just went through her slam poetry, by the way. But she wants to do review videos. Psychology review videos. Not savings. Lives in a closet. All her sisters think she's useless. Her grandparents help her out consistently. I thought that was supposed to be your f***ing job. One called her a snake in the grass. And the other has her blocked. It's the same sister, to be fair. But you think your life has the potential to be a movie. I would say it's just a fucking... Dude, it's like a fucking smut book or something. I don't even know. This is nothing.

31:11What is it? Hentai. She wants Kale to fix her, but only if it doesn't involve much effort. You want to unpack any of that? Because what the f*** did I just read? I mean, that's definitely an over-dramatization. Dramatization. That's the notes from the phone call it had with you. Yeah. Okay. Anyway, I mean, where do you want to start? Any of that. I don't know if you can tell me anything, dude. I don't even know because I've got to get into these finances. But you just have such a base to get through. My sisters are lovely and they love me. We just have been fighting a lot because of what's going on in our family.

31:44Well, you're blocked. I was. One calls you a snake in the grass. Yeah, well. Your grandparents take care of you that you're supposed to be taken care of. and your entire plan out of this is to either be a writer or a YouTuber or a podcaster or a singer or do psychology reviews, but haven't posted anything. I'm hoping - And writes about taking a shit with her phone, except not unless she has a phone call. Oh my gosh. It's true. I read it. Goodness gracious. It's literally true. I read it. Literally. Yes. Okay. I read it. I would like help building some kind of a resume. Cool. Astrology is not going to get you there.

32:18Resume? Yeah. You're just getting fired and leaving everything. What resume can I get you? I don't know. That was just my goal. It's one of my goals, okay? I need to make a better resume for myself to try to - Can I see your resume? I don't have it.

32:35How can I help? Maybe I do. Can I try to find it? You sure can. Let's see. Oh, and the grandparents that help you consistently, that you sleep in the closet of, that you tell everyone, you're actually taken care of. I have a note that also you don't tell anyone how much to take care of you.

32:55Um, yeah, like my grandpa will pay for gas while I'm door dashing and stuff. I know it's you're not there to take care of them. Fuck off with that opening. You kidding me? What a fucking lie. Quiet. Okay. What a liar. I devote every day, every day to being there consistently for them with whatever they need. I am at their beck and call. I go out to DoorDash and I do nothing else. I do nothing for myself. I don't go out. The only trips I ever take. The only time I'm ever gone is to go care. I know, to go care for someone else. Yeah. I don't do anything. And how much of that care is actually care, knowing what you've set up so far?

33:34At least for once in the history of this world, her resume is only one page. I appreciate that. Skills. Human communication. Analyzation. 50 words per minute typing. Interpersonal skills. attentive okay first of all 50 words per minute typing or you're not fucking that was just for a specific job that required that so i there you go i was gonna say you're not in we're not just writing i don't like it's not you're not in that room with all the women in world war ii right yeah

34:08experience prime mountain club pool attendant current not sure if i'm this is from a couple years ago. Not sure if I'm thrilled to read that. What, a pool attendant? Yes, as a 31-year-old for your resume. I was 29 then. Okay, the reason why that was a thing, I worked for Starbucks for a long time and I worked. Well, I have Whole Foods, January 2023 to April 2023. Not great to have on your resume. I had a second job. Not great to work in your resume that you worked somewhere for a couple months that shows that you leave quick. True. True. Yet you did it on your resume. Okay, Okay, here we go. Hungry Valley Senior Park Aid, the one we got fired from.

34:48I guess we won't say. No, that's not where I got fired from. Oh, Admin Park Aid? Yeah. That's where you got fired from. No, no, no, no. The place I got fired from isn't on there. Starbucks. Starbucks Barista. I worked at Starbucks for a long time, and then I started working for Parks and Rec, and I was working at Starbucks and the park for a long time, and then I quit Starbucks. Anyway. Be prepared for her summary for her college education. I am fluent in writing and am able to understand slash analyze written text. Because sometimes people can't. I don't know. Round of applause, please.

35:32Hire her immediately. I'm sorry. Come on. That's hilarious. I wouldn't hire someone after someone put that in there because it's ridiculous. Well, I'll make sure I fix it. Are you trying to say women can't read? No. I'm trying. I'm just. Listen, I have a degree in English. That's all I was trying to showcase. Say you have a degree in English then. Okay. Not that I am able to understand slash analyze written text in the ancient English language.

36:06Okay. I don't know what to say to that. Not a great resume. We can work on improving that. That's fine. It is oddly better, surprisingly, than many people. But your experience is not thrilling. As soon as I get a better resume, maybe then you'll hire me for your show. Okay, shut up. Nope. What the f*** would you? Yeah, join our writing staff for an impromptu random show where I talk to people? What am I going to hire? A copywriter, I guess, maybe. Yeah, exactly. You could work for a copywriter, except I already have a good one. That's the kind of thing that I think would actually work. You would never, you will never step foot in this building after we finish this episode.

36:42That's so mean. You know, while I'm being truthful. What about for after, like, to check on me later? Yeah, you can come back for a follow-up. Thank you, Caleb. Not for a job, though. I thought you were banning me, though. I thought I was banned. No, no, no. Okay, that's okay. I'll find other work. Okay, so what can't... I don't know. I guess, and you're only going further into debt. Yeah. Okay, total that came in, DoorDash pay was$1 ,252. I mean, you said$1 ,700, and that's about what's lining up. Okay, how much did you spend last month? $1 ,700 came in. Okay, stop clicking with that. Last time.

37:22Thank you. Trust me, you're not going to write anything good with it. Ouch. I don't know how much I spent. Why? Because I don't have an idea. Why do you not pay attention? You have to have your grandparents baby you in everywhere whatsoever? No. Well, you already do. Nobody knows anything about my finances. Okay. Well, no, no, no. But they baby you. They pay for your gas while you're out there. Mm-hmm. Yeah. So maybe you should know a little bit about your finances. What do you think you spent based on your knowledge of you just existing? Go back previous month. This is what I was doing. Let's say$1 ,500 if I had$1 ,700 come in.

38:01Okay,$3 ,242. 42. So obviously you're not going anywhere productive in life whatsoever. And you're not going to get anywhere. How would you even be able to move back to Santa Clarita? Is there a place there for you? That's what, okay. The way that it works is like I make goals and plans and like ideas and wants. And then eventually like, I'll try to get, yeah, right. I'll try to get money to do whatever I want to do. And then I try to make that happen somehow. And then once I get enough for that. I'm like, cool, I have... Spend double what you make. What the f***? You don't have enough for it.

38:34What are you talking about? You don't know what you're talking about. What are you talking about? Like anything. No, you spend double what you make. What do you mean? You save enough and then you get what you want. What are you talking about? Like if I just... Okay, I look... It's complicated because... Apparently the reimbursement we're giving you for traveling here, you're using it to go to see your prison boyfriend. That was a plan. Yeah, because I mean, it's like a 10-hour drive from here. Usually it's meant to cover people's travel and time they take away from work. Right. So I know. Now this is a healthy relationship.

39:05Let's continue it. Mm-hmm. So those are my options. These are my options. You want a fucking convict from multiple states to be in your life forever when you're going nowhere in life. He is going to drag you down. Do you not see? He got in prison, then on parole, and then prison again. What do you think? When does he get out? Saturday. He gets out Saturday? Yes. All right. security guard on armed and ready. Here? Yes. I'll be there. He doesn't need to come here. How long was he there? Since February? No. So it's pretty quick. Since like May. Very quick. He was in California. I know. Yeah. So he's not in prison.

39:45He's in like a correctional facility and then he's going to be released to a halfway house and he's going to do great. Historically, no, but hopefully. Yeah. Well, he has my name tattooed on him So I hope that he can make the right changes. It's a prison tattoo. What do you do for him? Just getting a jail tattoo. What? Why is he with you? Can we call him in prison? No, I was hoping he'd call me. Can you, you can't text him. You can't, no. Just luck of the draw. He doesn't have a prison phone? He does, but he has to wait in line for it. I meant a telephone. Oh, no. Hidden? No. Of course not. He's trying to be good.

40:27Yeah. He is. I told him that this is the end of it. If he wants to keep messing up, then he can do it without me. And he might do that. Who knows? Yeah, I would have called it by now, to be honest. But okay. Okay, we should get into these finances because what the f*** even is this? Oh, I hear that you cried and said I'm in survival mode. F*** off you being in survival mode. You're not in survival mode. Don't tell my producers you're in survival mode. Look at you. You're f***ing around. You work 14 days a month. I don't want to hear it. You spend all your money on bulls***, probably. Yo, I do spend a lot of money on this, but those 14 days I'm not working, I'm serious.

41:04I've spent like probably a full month in the hospital. You are the opposite of serious in every way whatsoever. That's very true too. I don't want to hear it. Your career is nothing. You want to go be every type of influence you can possibly be, yet you haven't even attempted one piece of content strategy or writing. That's not true either. I have a TikTok, but I have a review and I have other videos like cleaning stuff and just random content like cats or me singing. I don't like cats, by the way. I just have a video of cats. But yeah. Listen. Thanks for listening. That was a good listen. I don't have much to say.

41:47Because I'm hyper focused on your mustache. Okay. Let's go into these finances. if we may, what do you think your score is? Zero to 10, zero being the worst, 10 being the best. Probably zero. Probably zero. If you want to get your score, take the free assessment. It's free. You'll see where you stand in the world of money. Calebhammer.com or dollarwise.com. And make sure you sign up for the Dollar Wise budgeting app. Get that free trial. Sign up for the annual version to save a lot of money and get our budget friendly cookbook. Signed by me. Mailed directly to you. And if you want all our educational products and the premium version bundled together for 80 % off, DollarWiseCentral, DollarWise.com Check it all out guys Let's get into this money cause Oh my, what an interesting 40 minutes And this is thick Almost as thick as they Those in prison like it Huh, yeah, right, am I right?

42:36They always gotta What do you, what? What do you mean? What do you, what do you mean? The guys in prison always got a thick girl waiting for them Oh my god Amazon Chase Card, what is going on with this? It's been closed for a long time. Okay, it's accruing interest. Yes. You're just not spending on it. Yes. Well, it is above the credit limit by$459.28. Yeah, because of interest. No, because you didn't make payments, you dumb tit. Yes, yeah. And it's not because of interest. If you make your payments, even with interest, you make progress. No, I just meant like it's able to be that high above it because the interest has accrued.

43:18That's all I meant. No, if you make your payments, it would not go that high. What are you talking about? I haven't made payments, nor have I made a purse. There's the actual answer. Great. Okay, so when did you get into this, Dad? What's the story behind this card? It's an Amazon card, so I can use it at Whole Foods and Amazon. Okay, insightful. When I was living in Northern California, I opened a lot of different credit cards because I was approved for them. And I was like, I can use this for that. And when you get an LL Bean card. You had no intent? Hmm? You had no intent? There were different intents for everything.

44:03Whole Foods is a good one for the Amazon card. And also just when you sign up, they're like, we'll give you a free whatever. So that's what it is. You wanted the free rewards when signing up. Basically, yeah. Okay, how'd that work? Yeah, you're in really bad debt. So this is a substantial balance. Listen, it says the minimum monthly is$775.87. That is probably to catch up on all the bad payments, all the missed payments. Right. 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.

44:42and helping patients buy medicines directly at lower prices. Tell Washington to end middleman markups and put American patients first. Visit phrma.org slash middleman. Correct. I don't know what the normal minimum monthly is to write in there. It's 77. 77? You weren't making 77. Why? Well, so when I was living up north, I opened all these credit lines and I was able to... We got that part. Why were you not making the payments? I fell behind on them because $77? Yeah. Why? I had like nine of those payments to make and I couldn't make any of them. You got$77 to eat halfway through a week. I had to move from where I was from and go live somewhere that I didn't, I mean, I chose to go live somewhere where I didn't have a job, but I worked for my rent.

45:32And then that's why I was working at Jack in the Box because, and that's why I was working as a pool attendant because they were part-time jobs because I had a full-time job paying for my rent. Don't understand how you did not pay your$77 a month rent. payment though. It wasn't just 77. It was like I had to pick and choose which cards I was going to pay that month. And, you know. Why? You have like three credit cards, right? No, I. You should have been able to own. I have a lot more credit cards than three. Yeah. And most of them are closed. Okay. This take eight years to pay off minimum monthly payment.

45:59And you ain't paying that minimum monthly payment. Put your Amazon. Let me see what's going on there. Not much because I'm telling. Well, let's see. Okay. Oh yeah, passed to$694.87. That's wonderful. That's thrilling. $177 of fees this year so far. $326 of interest this year so far. 26.49 % interest rate. The only reason that this Amazon list is bad is because I just made purchases on it. Can we be honest? I bet you're just trying to keep up with the lifestyle of the people that were living in wine country. That's why you hated their guts in the end. But I was making good money up there. What's good money?

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48:35Go to Roe.co slash Caleb to check your insurance for free. That is Roe.co slash Caleb. And of course, go to Roe.co slash safety. That is Roe.co slash safety for black box warning and full safety information about GLP-1 medications. Let's get back to the episode. Because making$1 ,700 a month, most things are good money. Yeah, exactly. I was making better money. Well, up there, I was living with my grandparents, too, my other grandparents. Yep, you're incapable of doing anything on your own. We've established that. Yeah, but I was there to help him on hospice. No, you— Anyway. Come on. You said it was a cheaper way to live.

49:12That's your entire excuse. That's not— Okay. Come on. Yes, it is. No, it's not. I left my job to go and help them with their business, but it ended up being a sh**to. Well, I'll put your Amazon. Okay. And tell me how much you're making, because you said you're making good money. I like like 20. I think they were paying like 25 or 28 an hour. And it was in Northern California. OK, come on. 40 hours a week here. So you're about to make a trade based on a friend's text. But which you do you listen to? Is it we could buy a house in Tulum? Get optioning those options. We could lose everything. or let's do a little research.

49:58Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. Oh, for f***s sake. Not much. Okay. This is just like... Skincare, skincare, skincare, skincare. Lip, lip, or eye, eye, backpack. This is all within, by the way, I just want to throw this out two days so far. backpack backpack backpack luggage carrier i i toothbrush toothpaste travel travel lots of an endless amount of travel bags air tax travel bag travel bag travel bag uh dental floss buddy you said not that much and this is literally more than anyone's amazon that i ever view a cushion steering wheel cover a upgraded car center console cover airpods case a leather holder for the keychain thing that we put the air tag in travel bottles for toiletries wow this is a big investment to go on this trip oh by the way airpods to two wireless earbuds yeah you screen protector for an apple watch meaning she has an apple watch you you make 1700 a month before expenses shut the fuck up endless supply of colorful socks endless supply of regular socks dude i don't even know what you use this for because you sleep in a closet but It's one of those things that makes you sit up in the bed.

51:23Does your heart burn that bad? A lot of those purchases are for my grandparents. Okay. And that anchor noise canceling earbuds. Okay. Those are for me. Absolutely. And then you got the AirPods. Great. Yeah. Yoga mat. Yoga mat to sleep on. Honestly. Washable under pads, waterproof, reusable something. What? I don't know. You got it. More yoga mats. I guess we double, we double layered. Side proof mini spin pins. But, uh, and finally we're out of a fucking month. Thank goodness. I'm sorry. I don't know what I was looking at there. Anyway, most of those are returned. I just want everybody to know that.

51:56Not most, but the bags. Some of the bags. Bags. Bags. Yes. Not the bulls**t, dude. What are you doing? I'm looking at your subscriptions, you tit. My God. Finance show, you f**k. Yeah. Oh, my gosh. AppleCare. AppleCare. AppleCare. AppleCare. AppleCare. AppleCare. She has one, two, three, four, five, six. Six AppleCares. Acquainted to about a hundred bucks a month at Apple F**king Care. Crunchyroll, f**k you. Icon Plus, f**k off. Apple Music, die. She canceled their call map April 10th. I need that. Police scanner? Is that to make the boyfriend avoid the jail time? I bet. More police scanner. Oh, boy.

52:34What are we trying? Yeah, helping him stuff his bags? Keeping the police scanner on? Or just keeping tabs, you know. See where they're at and when. For what reason? I don't know. He asked me to get it, so whatever. Oh, he did. This was for him. Yes. Oh, my gosh. You f***ing criminal enterprise. That's a good way to put it. Moronic criminal enterprise. Yeah. Oh, good. And your last pair of AirPods are stolen by your criminals. Also criminal boyfriend's criminal friend. This is true. What a great life you live. I know. It's really good. You live with your grandparents, yet you just date criminals?

53:16What are you trying to do? What is your life? Where are you going to get effort? By the way, criminal yourself with the PayPal scam. Maybe you should have gone to jail. Maybe you learned something. I wish I wouldn't have come. Here? Yes. Well, you're here now, girl. Well, my hair. Okay. I look like a grandparent and have a mustache. Yes, you're wearing a fucking funeral outfit. I don't know what you're on your head. I thought it was a funeral. Oh, dang it. You know, I tried really hard to pick a good barrette. And I guess this wasn't it, huh? Do we wear barrettes these days? Sometimes. Lindsay, do we wear barrettes these days?

53:57Okay, Lindsay's being very nice and says it looks nice. Well, it's because she's nice. She is nice. Yeah, she has the really nice hair. Good cop, bad cop. Okay. That's true. No, no, no, you just got cottagecore going on. But, you know, you got like the Phyllis from The Office look. What is this? I'd like to lose weight. you know that'd be cool that would be cool you know you have to do something to do that i know i know it's really hard to not just want to like give up on everything all the time okay so you're never gonna get anywhere ever what's the point what are we doing what are we talking about yeah i like to stop living like that because i feel like in my 20s i didn't grasp the concept that like you make your own bed and you actually have to lie in it and there's like this concept that i never make my bed well you've made a life for yourself and that's the important part um be your life was criminals yeah so it's like I feel like I've gotten to a point where I'm like oh my god my choices my choices matter what I do matters time matters you know how I spend my life yet you spend double what you make still even while realizing this I guess everyone has the grand awakening the moment they're on financial audit ladies and gentlemen but not the day before I feel like I didn't know how much debt I was in.

55:16I didn't realize that I had spent that much. You still didn't. You didn't know today. Exactly. That's what I'm saying. I'm just perpetually unaware. Are you a manifester? Yeah, kind of. Oh, fuck's sake. I know. So that's your plan to pay off, huh? No, it's just like you live your life, you try your best. You're not trying your best. I know, that's true. What are you talking about? It's hard. It's hard when you have - Life is hard. Who would have thought? I know. We're just born onto this planet where the main planet's goal is to kill us. Who would have thought? Life is difficult. Yes. We live a pretty damn comfy life compared to the rest of human civilization.

55:49Agreed. Throughout history. So maybe don't complain and doom gloom all the time. Actually do something with your life. You have more control than you're allowing yourself to think. Phil is from the office, really? Yes. Dude. Is she married in the show? I don't care. Oh. Anyway. I don't know. Oh, whatever. Whatever. 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. So let's get back to these finances here.

56:31Yeah, GS Bank, what's going on with this? I wish I could see a statement. I don't know what that is. Oh, good. I hope it stands for Girl Scouts, but I know it doesn't. It doesn't, and you would not be permitted. I was a Girl Scout. You're 31. I know, but you can still - I wish you weren't so childlike and everything. Yeah. It would be real nice. Listen, you've made 74 % of the payments on this card on time. Mm-hmm. Okay. Go, uh, it must be the Apple card. Can I see? Because I'd rather see a statement than something from your credit report. Oh, good. She sends a lot of money on crystals. That's wonderful.

57:09Oh, good. The balance is only... Okay, Apple card. Wonderful. What's going on with this card? It's overdrawn. I got it initially because I wanted to get a MacBook. Oh, $1 ,700. Yeah, you are over. You owe$1 ,771 ,035. For f***s sake, why? No, payment due tomorrow. How much is...

57:37normally yeah wouldn't it be nice if someone would just come in and be like i'll pay that so that you can do that dude i know i know the world works i know okay the minimum you can pay to keep it current is 57 we'll put it there but obviously it wants you to pay a lot more than that it wants you to pay a total of 1771 well the entire balance of course okay well yeah that's the total pay. Fair enough. So minimum monthly is$57. Ugh. Okay. Fucking crazy. Interest charging like crazy. Audible declined over the limit. Audible declined over the limit. Audible declined over the limit. Wonderful. So that's what's happened this month.

58:21What happened in May? Audible declined over the limit. Taco Bell declined over the limit. You tried to swipe Taco Bell on here. Yes. Oh, f***. At Capella University, learning online doesn't mean learning alone. You'll get support from people who care about your success, like your enrollment specialist who gets to know you and the goals you'd like to achieve. You'll also get a designated academic coach who's with you throughout your entire program. Plus, career coaches are available to help you navigate your professional goals. A different future is closer than you think with Capella University.

58:57Learn more at capella.edu. Okay. June Audible declined over the limit. Wow. So there are no purchases on it because I haven't had - How much do you give your grandparents for rent? But it doesn't make sense because they give you money for gas. I know. It's so silly. It's like, I know. It doesn't make sense. It's kind of like they just pay me back like half of what I give them pretty much. Yeah, so that's what I was saying. How much do you pay them? $400. Dude, just move out. Get away. I know. You're not there to take care of them. I don't know what to do. I don't know what to do for them. I don't know where they're going to go.

59:31Yeah. They're already planning on moving to Oregon. Get them there quicker. My grandma can't go there. So we're waiting for her to die and then grandpa's moving? No, I don't know what the plan is. So what are we talking about then? Because you said that's their plan. You just have to move. You just have to get out, dude. Yeah. You have to get out. They can use social services they paid into. It's not 100 % perfect. Absolutely easier. Sending it down 100%. but you were delaying your entire life living there and they're honestly taking care of you, babying you. Well, I'm just Phyllis from the office anyway.

59:58Yes, I agree. We all know that. She lived a better life though, so that's actually not the case. She was a pencil pusher. I'm just kidding. I don't know. Anyway, enough. Hey, you're obsessed with this. I don't know. It's her full. I don't know what to say. Her full? Welcome to the show that you agreed to come on to, that you watched the onboarding phone calls and all the conversations we had before. I know. Okay. So anyway. You're going to harp? No. So, Apple Card. Yeah. To get a laptop. Okay, get a laptop. For your very special writing. Because I was in school and I wanted a better computer than what I started out with.

1:00:34For a writing degree? Yeah. Anyway, I've taken a lot of classes. I have a psychology degree too, but I just want to pursue English because that's. So what is pursuing English to you? It's learning it. And like, okay, so. Yes, we know you're able to, what was it, transcribe English? Yeah. So I want to become more proficient at it. Like, I want... What are you going to do with that? I'm going to write. Oh, fuck. Okay, the whole thing. Send this to your kids before they go to college. Send this episode to your kids before they go to college, guys. Thank you. Yeah, do something for your children before they go to college so that they can have some kind of success and not be like me.

1:01:14Oh, you're blaming this all on your parents? No, I'm not blaming it all on my parents. Then what are you saying? I'm saying that it's hard to navigate things when you don't have people who help you, like people who have their parents help them with school, help them with college applications and things like that and how to finance and how to do things like that. They're set up a lot better. How do people get that? A lot of people I knew, a lot of people I know are still like in relation. No, I just think you're in an endless victim mindset and you think everyone has it easier around you and it's not even close to the case.

1:01:43I mean, that's OK. I'll get you a course career certification. So when you need to get a real job, you can actually get one. What do you think? Unlike what, though? I don't know. F***ing accounting or whatever you want. It's in the trades now, too. There's so much you can do. Okay. Brightway. Main financial. Okay. No progress here. Oh, we didn't pay. Oh, we're over the limit. F*** me. Oh, you. F***. Why, dude? Why do this to yourself? Dude, I know. What are you even trying to do? I don't know, man. I was just trying to live a good life and. No, you're doing the opposite. I know. I created a bad one for myself.

1:02:14No. Why aren't you doing anything to fix it? $1 ,514.41 is what you owe. Minimum. What's the normal minimum? Obviously, you have a lot stacked up because you're not paying. You're accruing$40 in fees,$31.19 in interest. I don't know. $1 ,000 limit. I don't know. Tell me what the minimum normally. Probably$60 or something like that. Of course, she owes$845 to catch up. I know what the. What are we doing? I know what the Chase credit card minimum limit is. What did you build this up with over when and what is going on? It could have been anything. It's like hair care products or nail polish or dresses or jeans or anything that I wanted at the time.

1:02:55Splurging, hedonistic behavior. Why do you get to be splurging? I don't know. You don't do anything. Why do you think you're entitled to that? Because I want to. It's like it's almost like I'm stuck in this mindset of like tomorrow is never guaranteed to live for today kind of thing. That's stupid. Tomorrow is statistically likely to be there. I tell myself that. And for some reason, I can't comprehend it. And it's like a coping mechanism for like sadness and things like that. Like just a little treat here and there. Blah, blah, blah, blah. Well, oh, no. My criminal boyfriend is a criminal. I'm sad.

1:03:30That's the least of my concerns. I've got others sad. Everybody has sadnesses, you know. But for some people, it's just hard to get out of it, I guess. I don't know. And especially when you're me and have acted like how I have. Oh, my goodness. when he was out of prison, you're using this credit card to get him not just closing food, but burner phones for his business. The boyfriend, my boyfriend? Yeah, I bought him a couple of phones from like Walmart, I think. But it wasn't, it was just because he would lose his phones a lot. You think that's why? No, I bought them because I wanted to be in touch with him.

1:04:09I was like, here's a phone so I can call you. Yeah. How often was he losing phones? Maybe like once a month. I didn't buy, I bought like two phones for him, I think. And he would try to keep them if I bought, like he tried to keep the ones I got him longer than the ones he would just acquire. Why do you want such a delinquent? Dude, he's just really fun and he's like. Yeah, he does a lot of jokes and he goes crazy. Sure, he's fun. I know. That's the future you want? No. And honestly. Then why are you still with him? Because I think that he can change. I think that he can do better if he tries.

1:04:47I think he's... Then you probably, but in life, I don't know. I think so. So you're going to support him? Yes. You can't support yourself. You live in a closet. He's my husband. So all of my finances are his too. Yeah. Just kidding. We're not actually married, but... I see you're a f***ing creature. It's not funny. I'm sorry. I'm trying to get your f*** together. I got to take everything you're saying with truth. If I can't trust you, what am I going to do? I told you the truth, though, so you can trust me. I just feel like reality is really weird. Yeah, reality is very weird, and I don't, like, I don't know.

1:05:25Just existing is, like, what's real, what's in my mind. Oh, my God. What is happening? Yeah. No, don't. Don't try to say that you and I are agreeing. Oh. No, no, no. 28.49 % interest rate Fees and interest charged like crazy Of course who would have thought

1:05:50So how do I get What is this after What? Nothing How do I get rid of a mustache Do I just wax it Or is it because I'm wearing makeup See this is why This is why because my mind is not focused on You know we're doing something here And I'm just focusing on We have razors from another show we did. No. Razors. I don't. Anyway. That's how people shave is razors, yes. But waxing works. Waxing. So, okay, never mind. Got it. Afterpay. Afterpay. Could have afterpaid some razors. I guess we did American Eagle, Purology, Farmers, Pharmacy Beauty, Tilly's instead. I don't even shave my legs. Can we see those suckers?

1:06:38Not on TV. TV.

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1:07:53Was that the right move? The market's going wild. Last spin, guys, and I'm about to lose it. And it delivered a masterpiece. Chaos, drama, regret, everything you want in finance content. And here's where it gets even crazier. You want to change something? You don't have to learn timelines or editing software. You just type in a command like add my voice or add a lesson at the end of the video and it does it for you. When you let luck decide your trades, it's pure chaos. NVIDIA puts you into the director's seat. No learning curve, no timeline, no nightmares, just you your idea and the magic of generative video it acts like your creative partner and does all the heavy lifting for you let's get back to today's episode oh yeah that's what i'm saying oh i was ready for this i guess i'd never look at guest legs i know that's not something to be ready for i wasn't expecting to even tell you that but i was expecting to be like and these lights don't do anybody any favors you know girls come on here with their unblended everything and And I'm like, oh, my God.

1:08:57Anyway, I feel bad for people who come on here. And now I understand why. And are you doing it? I honestly want to try to understand what you're trying to tell me. I think I watch your shows a lot. And I think often, like, what would he say about this? Or, you know, like, I try to use it as an inspiration kind of thing, like what you say. so being here with you in person talking about it is the best you know thing i could do okay what is going on with after pay i can't use them anymore right now because i owe them money as if i if i pay them i might be able to use them but probably but you shouldn't it's like paypal can't use that oh no i'm being told you're banned from after pay yeah no i just owe them money they email me like every day really nicely like hey we have a payment plan set up for you okay just do that when you can and then eventually it'll probably just go to collections what the are you even trying to do man right what's the total okay but i don't i think this is okay three hundred ninety dollars and twenty nine cents minimum monthly payment i don't even i'm just gonna say a hundred bucks this is for payments a hundred bucks sure oh you're banned from clarna as well Okay.

1:10:19I, yeah, that, Klarna. What's Alton FCU? That is a federal, uh, fund. You just missed your most recent payment. It's a federal credit union. That's good. It's maxed out. Who would have thought? I know it's a credit union. I'm just talking about the account. Like, what's going on? Oh. Yo,$486. It's a minimum monthly payment of$25. Normally, you missed your last payment. Yeah, I thought the account was closed. but actually so I was going to nope it's open I was going to say the reason that I know that Chase you think every account is closed I know because it's just like well it's probably closed because I haven't paid it in so long it's like it's like easier to run away from your problems because they just exist on the internet and like you get letters and stuff about it but you still live your day to day life and if you have cash like from your jobs and you just owe a lot of money on credit you can like trick your brain but it doesn't work though because you just live in constant and constant anxiety over your money problems so i am working on paying that one so that they can let me use the card again not that i want to use the card but i the account's open so i can use my card i mean i could if i wanted to i want to keep the account open because it's one of the only credit lines I still have.

1:11:44Why do you care about that specifically? Because I know multiple answers. I want to know why you. It is important to have longstanding credit. That's why you care about your credit score. Yes. Yeah. And then. What do you intend to do? I will hopefully get an apartment at some point of your own. Yeah. Housing, cars, things like that. You know, you need credit. You need good credit. You're wearing a wedding ring? It's not a wedding ring. It's like a Kledal ring. But it's on the. I know. It's just because I like to wear it. I like rings and it's the finger that fits on. Okay, I don't think this guy is going to stay with her after he gets out because he wasn't with her before he got out.

1:12:19Only got technically with her when he was in. And I think she just is pretending marriage. In fact, in this conversation so far with you and you thinking you're the one taking care of your grandparents, I'm not even sure this guy is with you. I'd say he is. I wonder what he would say. He would say that I'm the love of his life and that he never wants to be without me. Because he wants someone to call him while he's in prison. Well, you know, time will tell. Yeah, Friday. I don't think so. No, we were together a long time before that. We've been through a lot of shit together. But he didn't call you his girlfriend.

1:12:54Because he's an idiot. He's kind of dumb, but it's okay. I love him anyway. And this ring wasn't from him. I know. Yeah, but I have other rings that are from him. But anyway, I'm just saying, like, I don't wear it there to indicate that I'm married. I just like wearing rings. Bruh. Oh, I don't think she. OK. OK. I know. Okey dokes. Yeah. OK, we have another credit card. This one was paid off, oddly enough, but then it was immediately spent on again. So and I'm not going to consider you likely spent. Oh, it's a security card. OK. OK, OK, OK, OK, OK. Well, Mountain View Market, Taco Bell, Amazon, Amazon, Coconut Lane.

1:13:36So this is where she gets Amazon. I'm not the Amazon card because I was going to say she definitely got a lot. Panda Express, Amazon, Amazon, surf through Little Caesars, Amazon, just meets wild coffee. Who the f*** are you to spend$450 on all bulls*** on one card when you make$1 ,700 before any expenses on a monthly basis and are being taken care of by her disabled grandparents? Again, both sets. $450 in a month spending on bulls***. Who do you think you are doing that? Who the f*** do you think you are spending that kind of money? That is disgusting. Well, it's money that I make. What? It's money that I make, so I spend it.

1:14:13Yeah, but you're not going out there living a good f***ing life. You could be independent. You could be, you're 31, living in a closet. And you probably think you're f***ing Harry Potter knowing your mystical mind you live in. Bro, everybody calls me that. That's funny. I don't think that. Mystical minds. Yeah. Yep. Flip to another random page. Dude. Another random page. You brought it, so this is what you get. Random page. I don't want... No, random page. Random page. Here. Cool. Random page. Apply January 2nd to February 28th with letter A-Z-I-D. This isn't a good notebook for this. County Assessor's Office phone number Bell phone number Phoenix phone number I'm there what else is there in there?

1:15:10There's love letters and things like that Can I see one? You can see but you can't read

1:15:18To who? To Dallas That's his fake name Okay Let's go Come on, author. Fine. Oh, you think I wasn't going to on the show? Come on. Baby doll. Baby doll. I'm at the hospital with my dad still. They said they'd be transferring him today, but now they're saying tomorrow. I miss you. You said you're on lockdown. Now, first of all, why are you writing this if this isn't going to him? I've written him a lot of letters, but. I hope you still get to call sometimes.

1:15:53What? Okay, sounds like you guys haven't talked in a while. Because he's on lockdown. He was on lockdown. And he's totally real. Okay. And that you get your commissary. Crossing out some words, I love you. Sorry I haven't been writing. Yeah. Because we talk on the phone. I thought you weren't getting my letters. I did think that. What? I'm tired. Okay. All coming together, ladies and gentlemen. Why did I bring this? Why did I bring this? That's a fantastic question because I did not request it. Oh, I'll get there, but I'm just diving through and I'm learning you, dude. Oh, you have three phones.

1:16:42That's great. I'm being told no one requested that notebook. Obviously not. I brought it to take notes. we'll get there i'm still going through the learning section okay auto crowd what is this three thousand eight hundred sixteen dollars and nineteen cents this is a car payment that is no longer a thing repoed no uh totaled you still have to pay i paid it it's paid off oh wait no this is my current car payment no yeah i owe that that's real i pay that each month sorry okay it's worth $5 ,000 whatever it is what is it it's a 2015 Subaru Forester no that's it is that this car yes it is okay car you owe $3 ,816.19 what is your minimum fee payment like$3.85 what is your interest rate I don't know Okay I know I've been trying to find The documents That stayed all You've been trying to find The documents Yes Have you attempted to You know Talk to them Nope Okay I was hoping it'd be In my email And then I looked once And then I didn't try again After that Oh that's our attempting to Okay It's like I get these ideas In my head Altalone 1 FCU Yes This is your other car That is totaled Yes Well you sometimes Make payments Sometimes don't I don't know No.

1:18:15So old car. So nothing to speak for this. No asset to speak of. Nope. Okay. She owes 8 ,000. Oh, this is paid off. No, it's not. It is though. No, it's not. I called them after getting this. I called them. Okay. Well, I'll cross it out for now. Okay. But I believe most things you think are reality or not. Maybe. Okay, some Schwab thing? Yes, LeSchwab. What do you owe LeSchwab? Probably around$400. For what? What is this? For tires and car maintenance. Oh, for fuck's sake. Is there, yeah, minimum monthly payment is$50. Interest probably accruing. Sometimes make payments, sometimes don't. Dude, this is, I don't understand how you're even just, you've just fucked around so much.

1:19:12I know, man. And I was just like, what the fuck, right? I feel the same. I'm in the same boat as you, not understanding. But then, okay, okay. So it's like I get these ideas in my head and I'm like, I got to do it now. Oh, I know you get ideas in your head. It's like impulsivity. And that's why I'm like, oh, I tried to look that up, but then I stopped after I didn't get there because I have no – it's like I have no discipline. There's a lack of discipline here. There's a lack of a lot there. Yeah. Student loans, federal student loans,$17 ,470. I assume you're like on a$0 payment plan, right? Correct.

1:19:46Right now. I mean, what do you mean by that? $0 payment plan. That's in your income-based repayments,$0. Oh, I don't, like, I'm on a deferment, right? The payments are deferred right now. There is no payment plan in place. Okay, well, all deferments are coming to an end, so you better pay up, dude. What do you mean? All the, well, are you requesting additional deferments? Because the deferments that were just there automatically are all coming to an end. Oh, well, no, you're at school. You're at school. If you're actively in school. Sorry, sorry. It's okay. You had me scared. I was like, what did the president do?

1:20:19Did he do something? Well, he's capping how much you can borrow in terms of student loans. Is he? Yes. And the student loans you're borrowing right now have very different payment types when you come back. Your income base ain't going to be as simple as it was with your previous balances. We're going to have to see. But you're going to owe money on a monthly basis. Yeah. That's what got signed into law under the big beautiful one. $17 ,470 currently. How much are you borrowing per semester and for how much more longer? I don't know. Okay. And probably at least until like 2020. Toyota Motor. Collections?

1:20:56This one, I don't. This one's closed. Yeah, it's in collections, essentially. But it shouldn't exist. Well, it does. I know. I've had. Why should it not exist? Because this is for a different car that was totaled. And I had insurance and gap coverage through the company. You did it wrong. That's what you did. That's what I'm saying. I spent a long time trying to figure that out. Target also in collections. Why is Target in collections? Just because I didn't pay my monthly bill. Why? I don't know. I feel like it was already, it was probably, it's probably like the mentality that it's already maxed out.

1:21:35I can't use it. But if I pay the minimum on it, it doesn't really save. Chevron card. Collections. Yes. Why? These are cards that I opened when I had a better income and that I would pay off. And then when I lost that and didn't make anything, I lived off my savings and stopped making payments to anything. Webbank.com. Collections. Why? I don't know what that is. Of course. Well, this one's$1 ,514. The last one was$1 ,272. I can't believe it's$40 ,000. How much is it? $48? See, I don't even remember. $46 ,670. Okay. Capital One Collections. Why? Same reason as everything else, man. Just spending, spending, spending, not paying.

1:22:27Another Capital One in collections. Yep. Last one,$293. This one, 945. Yeah, I think they gave me a card, and then they gave me another card. They were trying to give me another chance. I don't know why, but looking at you, I'm going to go to a Chinese buffet for dinner. I have not had that urge in about a decade and a half. What? I do not know what's going on. I can't answer it myself. I don't know. Midland Credit. Open. What is this? I don't know. Behind? You're behind? Yes. It's open? I don't know what your minimum is. I don't even know. Well, it's about to go to collections if you don't fucking.

1:23:06All right. Well, 336 there. I'm going to say a$50 minimum payment. I don't know. You're going to make me go to a second sheet. That is a rarity. Oh, my. What is wrong, dude? What the is wrong? More Midland. Oh, this is like you did consolidations. No. Oh, probably. Yeah, probably. No, no. I've only done one consolidation. It was through Alta One. Oh, well, these are different accounts within Midland itself. These are different accounts. Like probably Sephora or Victoria's Secret. I would say. Or they might be community. $456 on this. I'm going to say a$50 minimum monthly payment. I don't know.

1:23:41They're probably more than that. It's probably like$60. Well, I don't know. Listen, the overall thing, portfolio recovery. My gosh. Those, these are just, yeah, these are people who have attained my debt from who I actually owed in the first place. So the accounts are closed and they now. Yes, this one's collections. Sorry. Yeah. Last one. Okay. Yeah. They're all collections. Collections. Yep. That's okay. Okay. Another collection, 639. Okay. You've just never done anything in your life. Yeah. No offense, but you are a complete failure. I'm going to call it as I see it. I'd like to change that.

1:24:15I'd like to. What have you done to change it? Because I see nothing. Apple Cash. What's going on this? What's going on with it? Are you singing to yourself? It's like background music for the Apple Cash. It has a song when you pull it up? I guess. I just do what I want.

1:24:41We need to study her. As the human race, we need to study her. Okay, this is what you used to send your boyfriend money. I'm glad I have my producers to answer your questions because you're incapable. Moron. Inmate photos. Yep. yeah I sent him some pictures of me not anything inappropriate because that's not allowed in jail they're innocent photos selfies so anyway that would be really weird no no no do not ask me to see what she sent I do not want to say no no no I don't want to show you thank goodness absolutely wonderful I'm glad you answered that oh boy boy boy okay cash app two dollars twenty cents apple pay wait what is that cash app two dollars twenty cents i think to prison to prison i don't fucking know oh this is someone to someone to someone to someone names are blanked i don't know who just send it to dallas and starbucks that's to the guy yeah through cash app they can get it through cash app yeah oh no no so first of all yes second of all a lot of those are probably from before he went in there no or do people most recent month you said oh i don't know then probably two sometimes he would send to other people through his account but i would do it for him okay great no okay surprisingly almost three thousand hours in retirement how that's not been withdrawn i do not know she might not know this exists.

1:26:18Okay. Chase account. $45. Amazon Prime. And that's the end of that. Okay. Weird. Vero bank account. This is the big one. What happened while you were in the green room? What? What happened while you were in the green room? What do you mean? What happened while you were in the green room? Something happened. What was it? I watched a video and signed some documents. Those are the classic normal things. Something interesting happened. What was it? I don't remember. Oh, my. You're broken. How are you going to make it through life? She got a call from a collector. Oh, yes, I did. Yeah, my phone goes off like every day with phone calls from collectors.

1:26:59So. I know you think it's not real, but it is because they bother you forever. And you have to live with this debt inside of your mind. Okay. In this account, cash app on money. Apple Cash, Apple Cash, Bath and Body Works Cafe Smitten, Cafe Smitten Cash App, Cash App, Cash Pyrenees Cafe Cash App, Cash App, Cash App Apple Cash Endless amount of money when we have no money whatsoever Cash App, Apple Cash Apple Bill, Cash App, Apple Cash Apple Cash, Apple Cash, Apple Cash Being sent from the people that are connected to your boyfriend Definitely legal maneuvers No Dutch bros What What What I was just gonna say That your thing About Cash app Whatever Dutch bros Apple cash Apple cash Is this the new PayPal scam for you No Uh huh It is not I totally believe you This is all real money That came into my account Apple cash Hot topic dot com Yeah Wild coffee Apple Apple cash Apple cash Dash Wild Coffee Apple Bill.

1:28:12Dave membership fee. Oh, she uses Dave. I don't use Dave anymore. Well, you have the membership fee, lady. Not anymore. It's just happened. Shut the fuck up. Oh. Objectively. It's changed since then, I guess. I don't know. I hope so. $290 in the savings account.

1:28:34And that's about where it lies. Yep. It's like. It isn't. That is not where it lies. You started with 561. Oh. But like generally. Anyway. No. It's like I get money and I have that amount of money. And then I'm like, what exactly can I spend that will take up all of that money that I have? Spend double what you make. I know. Well, I don't know how. Because I don't have any credit available. So every money that I spend is cash. Some of that money was going to credit. But. Yeah, putting money towards debt is still money going out. But I don't put... Your savings went down. Yeah. I don't know. It's insane.

1:29:23Fidelity, 396. Taken out because she took out money from 423. Yep. Savings plan, 2 ,689. Okay, so 5 ,000 in retirement, I think, just about. You know, horrible for your age, but oddly surprising. I like to have something, you know, as far as my future goes. You take money out of things. I don't want to. I mean, your spending was ridiculous. No. What? I don't know what that is. Stop. Okay. Your minimum monthly debt payments are$780. How does the utility situation work in the house? I don't pay utilities. Internet, anything like that? No. Just my cell phone. What's your phone bill? $113 a month.

1:30:13Okay. I would definitely switch to helium. That is for sure. Once your phones are paid off. Oh, yeah. Phones. Yeah. TP fund. Anything else? But you're financially supporting him when he gets out of jail, right? No. How's he getting supported? He's going to get a job. Immediately? The day of? No. Okay, so. He's going to go to a halfway house and they're going to have everything he needs there. They're going to feed him and clothe him and help him get a job. You're not going to go out to eat at all. Huh? Together. You're not going to go out to eat at all. Well, I don't even. I mean, OK, let's be realistic.

1:30:49I have a few options here with what I can do next in my life. No. No. In my life, I said. But I could go to L.A. and live there and be closer to my dad. And that'd be that'd be ideal. And not a chance you'd afford. I know. I know. But I could, I mean, if I found a job, but. How? Your resume was a joke. And it wasn't even, like the resume itself, yeah, there's a couple of funny moments. It wasn't the worst resume. It's just your experience is trash. What do you convert that to? What do I what? Convert that to. What job do you want? What would you want to do? Okay. I would like to find something that I can do.

1:31:26Oh, the creative shit. Remotely. Anything remote. That's ending in this for the highest skilled individuals possible. Okay. Unless you're doing like some call center job. but do that. I don't know. Right? I don't know. Well, no, do that. A call center job? Become customer service? I, yeah, I have a lot of experience in customer service. There you go. Do that. Yeah, but yeah, I just, I need anything right now that's more reliable than DoorDash and Uber. It's just not constantly putting miles on my car. That's probably one of the first AI job gone or just shipped overseas anyway, but. Customer service, I know.

1:32:03Yeah, we are hiring for customer service right now. Denied. Besides remote, let's talk about what kind of job you'd want. What are you interested in? Since writing? Nothing. No, just kidding. I don't know. I think that I would be decent at a clerical job like Phyllis. Just kidding. Like an admin worker somewhere. Um, maybe I was thinking like for LA County or some, somewhere like that. You mentioned journalism to Colton. Yeah. Yeah. No, dying industry, if there ever has been. Well, I know. It's, it's a struggle. Do you have anything that, you know, might actually be successful? Not at this point.

1:32:53So that's that then? Yeah, exactly. That's, I don't know what to do. Okay. Then I'm ending this conversation because there's no f***ing point. What do you spend on gas on a monthly basis? Like$300. Car insurance. $160. TP fund,$100, anything else you need. You can probably do$200 a month on groceries since you used your grandparents. Medical, health care, co-pays. Anything? Yeah, medical or, yeah, I pay like$50 a month for insurance. What about co-pays and shit though? Co-pays, I don't even know. You know. Is there an appointment or the medications? For me, no, because I have spent so much of my time focusing on taking care of the other people in my life.

1:33:40Oh, shut the fuck up. I'm being so serious. Subscriptions, no. I don't do anything that I need. Well, you might need to. That's what I'm saying. That's what I'm saying. Okay. Specifically. You did not. I did. Okay, no surprise. You're over by$400. I don't know. You just, dude I think you've given up in this world In this life I haven't, okay What? I don't know, I want to do something I want to do anything That's great Anything, I want to do anything That can take me places So I can do things And be a person And be a good member of society And live a good life You can't tell me even one thing You're interested in That might have a decent career track They're up to work, yeah Do accounting I'm bad on the spot I don't know what to say Do accounting Do accounting um I don't know I don't know how it's like the translate to an accounting degree or I can get you an accounting certification through course careers again stop this wasted time on a degree that's going to result in nothing I can't stop with English I really can't it's so ingrained in me that I can't ever yeah it's called you were born in the United States so you speak English no it's called throughout history people have been recorded saying very important things and i want to read about what they have to say so that maybe someday you can't read without getting a degree maybe someday i can become enlightened you cannot when you're taking english classes they assign you books to read based on certain things and then they want you to reflect on what you've read you can't do that without college holding your hands you can't go read books no i would like a structure with my classes.

1:35:24I want a professor I want a professor to tell me how to do my work and to judge me and have expectations and grade me, you know? I hate to leave you with no hope, but there's no f***ing hope, man. And this is Well, maybe I can do accounting like you said, Caleb. This is a waste of time. Come to the Financial Autopost show. I know with her something crazy is going to come out that the producers know that I don't know because I know for a fact we didn't even hit half the I know I feel like we're ending quiet now hammer financial score we're not we're right on time okay trust me I didn't make this go a minute longer than I needed to hammer financial score spending in a budget overspend zero out of ten debt collection zero out of ten emergency fund nothing and savings zero out of ten less than a thousand retirement dramatically buying for your age at least there's a little something there two out of ten real estate zero out of ten hammer financial score I think it's going to be yep rounded up 0.5 out of ten join hammer elite link in the description below.

1:36:23Three shows a day posted best membership on YouTube. Help us get to the largest. We'll see you there for a crazy post show. I bet. Watch Financial Audit. Shut the fuck up. You guys have been doing this criminal shit since 2020? I'm a snake in the grass. You know, who knows what I'm doing? You deserve to go to jail because you've got him burner phones. That's a different thing. Honestly, would it be a surprise if the money that was going through that wasn't a continuation of scams knowing how you live your life? This is just what he's been up to as far as legal things that he's been convicted of.

1:36:54The s*** you guys have got up to is f***ing crazy. Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. Sad you hear about Dave. Or even tea time, tea time, tea time you. So update on Dave. It's up to you. We'll take the laundry.

1:37:35Rinse. It's time to be great.