No F*cking Way | Financial Audit

26:06So she would see something and feel the need to buy 10 of it and try to justify, oh, this will be a Christmas gift for this person. This will be a birthday gift for this person. Do you hear how you're talking? Do you hear how you're talking, lady? You're showing how she was bad at it. When I saw people do bad things, I do the opposite. I'm confused. What are you saying here? I don't want to be this way. Oh, my goodness. Okay, so there's absolutely no responsibility on you. I feel like I picked up those tendencies from her, though. Oh, man. Dude, I don't even know. Oh, good. Your mom used to open up credit cards in other people's names as well.

26:47Yeah. Okay, yeah, maybe like mother, like daughter. No, I have never done that. We'll see about that. No, that's, I'm not like Jenny from Jenny and JoJo. Your car was just totaled last week? Last month. It was last week when I spoke to the producers. Oh, what are you doing? So I've gotten a new car since then. That's the one that I - Financed? Yes. Was there financing on the last car? Yes. I had Gap insurance. Did the Gap cover it? Yeah. Oh, thank you. First, whatever. Dude, people f*** around, man. No, you can break little rules within your insurance and then they won't cover it. Oh, yeah. I didn't know that.

27:28Well, thankfully that didn't happen to me. I'm glad you didn't. I got an email last night saying that the last payment was made to the lien holder for that car and my credit score went up. Well, I guess you're winning. I guess you're winning. I mean, I think I'm doing better because I'm not having to pay rent. My house. I moved in quicker than I wanted to with my boyfriend, but that's because I got kicked out of my last living situation.

28:14Tell Washington to end middleman markups and put American patients first. Visit phrma.org slash middleman. What? So I was living with my ex's mom. Wait. Listen. You moved in with your ex sooner than you wanted to, but the reason is because your ex's mom kicked you out? No, I moved in with my current boyfriend sooner than I wanted. Oh, your ex's. Oh, your ex. You were with your ex's mom? Yeah. Well, dating your current boyfriend. He was okay with it. He trusts me. But why did she kick you out? We have different views on like politics and stuff. Why did you guys talk about it? Because she brought it up.

28:54And I kept asking her to be quiet because she was being really ignorant and just. She was being really ignorant. Yeah. And I told her that she was so closed minded that it's disgusting. What is ignorant? I don't know if I'm allowed to talk about it. If you're allowed to? Like. You sign an NDA? No. People might be offended. What's the ignorant? I'm curious what's so ignorant that you got kicked out. She was saying that trans people shouldn't be allowed in like the gender that they identify as restrooms. So like a transgender woman shouldn't be allowed in a woman's restroom. Are you trans? No. Why was this conversation happening?

29:30Why did she kick you out for it? Well, I don't know how it started. I was talking about a cruise that me and my friends were supposed to be going on. It got canceled. We're not going. Thank you. Yeah. and then something about like the tariffs got brought up and then we started talking about Trump and then that got brought up somehow if you guys know you're on opposite ends she started it I wasn't talking about politics you wouldn't be involved in the conversation though it would not have continued to go down the road if you weren't continuing the conversation you weren't just sitting there and she was like tariffs Trump so she mentioned tariffs and I did say something about Trump because I thought that it was his fault but she was like, no, it's not.

30:15And then like in Mexico and stuff. Can you know how he raised the tariffs? Yeah, I'm just confused what you're even talking about. Okay, whatever, it doesn't matter. Okay, so you disagree with politics and she kicked you out? So I told her that she was so close-minded that it's disgusting because of what she said about transgender people. Why would you attack the person that's keeping you over their head? Just go in your room and just like seclude. She was attacking me. She was getting loud with me. Well, she doesn't like your position. That's fine. Separate. We have to separate, guys. The politics cannot be a battle.

30:44I was trying. And she just kept saying, why? Because you know I'm right. Why? Because you know I'm right. Because I kept asking her to be quiet. And then when I told her. Yeah, but no one likes to be called ignorant and closed-minded, though. Obviously, she viewed that as a personal attack. Well, yeah, but then she started throwing the stuff that she's done for me in my face. Well, yeah, I mean, she's allowing you to stay there. That is probably a truth. Yeah. I was kind of living there run free, so. So yes, but again, just separate. I was trying. No, you were not. From everything you've said, no, you were not.

31:15You both enabled these hostile conversations. I was trying to fix my lunch for work the next day. And then I was going to go in my room. And when I said what I said about her being ignorant and closed-minded. So you're like, you're ignorant. And she kicked you out? She said, because I had mentioned to her that my boyfriend wanted me to move in within the next few months. This was back in like February. Is your boyfriend trans? No. I have friends that are like LGBTQ. So, and I have like one of my childhood best friends is trans. Okay. I just, I was like trying to think of. This is not a productive conversation to have.

31:48If you guys are completely opposite ends of the things that I like, I don't get it. It's just like, I wouldn't have that conversation. I didn't want to have that conversation. Oh, come the fuck on. She's the one that brought up the transgender people. Yeah, but you could have stayed quiet if we were playing that diplomatically and you were just throwing. No, no, I was, I was trying to stay quiet, but then she started. Okay. So she kicked you out. She said, you know what? you can go pack your bags and leave now instead of in a couple months. What do you call a trans nephew? Huh? What do you call a trans nephew?

32:14I don't know. A nibbling. We learned that on the show and that is a hilarious word. Why did they choose that? What the f*** are we doing? A nibbling. What is that? That's your gender neutral nephew. Wouldn't it just be a child? You better not question it. You will be ignorant. You'll be very ignorant real quick. I'll be ignorant. It is a nibbling. It sounds like you're nibbling on something. That sounds like a bigot. 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.

32:54We 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. Collaborated 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.

33:32Click 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. But yeah, she kicked me out. And then the next day she tried texting me, say, like apologizing and saying that I could come back. Well, there we go. I didn't want to go back. Well, no. Because she said some really hurtful things. You both said hurtful things to each other. Come on. She was throwing the stuff that she's done for me in my face. Well, she was doing things. I know, but she would constantly tell me, oh, don't worry about it.

34:07Don't worry about it. Like I'm doing this for you because you're like a daughter to me. Listen, you guys were in a hostile conversation that bubbles up and it comes out. That's where it comes out. It sucks. But that is just humans. I didn't say anything to that extent to her though. Come on. You both find different things insulting. We're all individuals in this. We find different things insulting. She basically called me a freeloader and said, good luck with your boyfriend because you're not going to be paying any bills when you live with him. She was attacked. I'm not saying what she said was good.

34:33But you were attacking her. She attacked back. It wasn't great. And also, you kind of are freeloading on your boyfriend. I help with bills. I help more than I did with her. Well, because you did nothing. She told me. She told me. I know. But literally, if you provide$1, you're providing more than what you did with her. So, like, yes. A quarter. She would tell me, like, if you can't give me anything, the check, that's fine. No, I'm not arguing against it. I'm just saying, obviously, yes, you providing literally anything is more than what you were doing. Yeah. Okay, great. Listen, zero to 10. What do you think your financial score is?

35:11Zero being the worst, 10 being the best? Zero. Good. Reasonable. I'm like a negative 10 probably. That doesn't exist. If you want your Hammer financial score, figure out where you stand in the world of finance to see where you're failing, see where you're doing really good. Take the assessment at CalebHammer.com. It is free. And if you don't want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app. Sign up for the free trial if you like it. You can save a lot of money by signing up for the annual version. And what you need to do, I'll sign a budget-friendly cookbook that I made, and I'll mail it directly to you.

35:39And you can also bundle it with all of our educational products together by joining DollarWise Central. That is 80 % off. Go to DollarWise.com. Learn more. Let's do this thing. Are those veggies real? Huh? Are the veggies real on the cover? Yes. Oh, okay. Yeah, I was taking it to my house. Cute. Okay. Oh, credit one. We're going to open with a credit one. The indication that we are incredible with finances because we're not doing that bad. It is indicative of, oh, you probably have really good finances. Credit one, everyone's favorite. Okay. Oh, if we're not over the limit. That's probably from interest charges.

36:22Let's see. Well, no, you actually were already over the limit. The only way interest charges would push you over the limit is by you not making a payment on time and get hit with late fees and whatnot. Didn't happen this month. Looks like it happened in April. Yeah. Because that's what pushed us over. Then your minimum monthly payment isn't enough to pull you under with how over you went. What's going on with this card? I wanted something that I didn't have the money for. What did you want? I don't remember. That card's a couple years old. It's been maxed out for a couple years? Yeah. And that's why this is a broken philosophy that you have with the spending money on things because you don't even know what you got.

37:10It's something so insignificant that it doesn't even matter. It doesn't positively impact your life today, yet you are paying interest on it today. You are paying fees on it today. You are paying late fees on it today. And now you're over the limit. Today. That's something you got a couple years ago that you don't even remember. It could have been food. It could have been, I'm sure. I mean, you spend a shit ton on it. So$41 is your minimum monthly payment. Takes three years to pay off if you do minimum monthly payments on time only without purchasing anything. And I bet if there was room to purchase, you would.

37:43Listen,$85 of fees,$117 of interest. And this is fucking crazy. And of course, this is at a 28.24 % interest rate. I had it almost paid off before and then they upped my credit limit. How does that? So I started using on it again. But wouldn't you still have like available credit if you almost had paid it off? Why does them upping the credit limit all of a sudden be like, oh, let's go. I saw that I could spend more and I found something that was that I wanted. Of which we don't remember. Yeah. I mean, we know that you probably got through your purchases that you've talked about with Colton,$120 AirPods, phone upgrade, you know,$140 to pay the difference.

38:26I mean,$100 minimum on fast food a week still. So it's like. That's why I had that cookbook in my Amazon cart. In the cart. The cart. It wasn't even purchased. It's in the cart. You're still considering whether or not you want to cook. I want to cook. I want to learn how to cook. What's complicated about cooking? So I messed up making like pre-made brownies before. Are you? Like, I don't. I guess. Okay. Do you go out a lot or are you like a stay-at-home kind of person? Like eating? I don't know. Just in general. In general. I'm more of a homebody. You're a homebody. then why the f*** are you not cooking if you're just at home?

39:14I guess that just leads to DoorDash probably. Groceries are expensive. Not as expensive as DoorDash. I don't DoorDash. I'll go and pick something up. It's not as expensive as that. It depends. No, it does not. My meal at McDonald's is like$6,$7. Great. Your meal meal prepped would be less. I doubt it. Well, I can get you... I can get you at per meal if we call it a 28-day month divided by three, I can get you at per meal$2.90 if we're meal prepping. Yes, that is the math we've proven and we check it once a quarter to make sure it still works. And that's using the recipes in that cookbook. That's...

39:56But that involves meal prepping. I would meal prep. Like brand new meal three times a day. I know. I understand that. Okay. I eat leftovers. Dude, you're a homebody. Yeah. Why the fuck are we doing? If you're never leaving, why can't you just stay home and cook? Because my boyfriend asked me, hey, do you want to get McDonald's? And your answer is no. My answer is yes. Well, your answer should be no. I mean, I'm being told all you do is literally just watch TV if you're not at work, so. Yeah. Cook? You have all the time in the fucking world. It gets hot in the house. We don't have central AC. And it's gas.

40:38You're already there. But it gets hot in the house and I don't like... Vent it out. How? We don't have central AC. Vent it out in a window in a fan, you dumb tit. I guess. You guess? It's hot outside. Oh my f***. Yes, but you can vent it out. If it's hotter outside than in, then close the window and just cook. Again, you're meal prepping a couple times a week. The rest is just warming up what you meal prepped. So it's not like that impacts every day anyway. There's lots of cold meal preps in there as well. Overnight oats and s*** like that. Salads. I like salad. I love salad. Okay. Maybe I'll get a big salad and like a tub of ranch with some grilled chicken on it.

41:21A tub of ranch. I love ranch. Outback ranch is so good. Oh, Outback ranch specifically. Okay. Yes. Yes. Let's not use ranch anymore because one expensive too. I love ranch. I love ranch too. I also love making it to the age of 60. Okay, what about Caesar dressing? Dude, any dressing is okay if you're using it in a reasonable amount. Yeah, valid. You are not. Well, you're saying not to use ranch at all. In a reasonable amount. Okay. I might be able to do that. Buddy, let's just talk about it. And this sometimes upsets people, but I don't really give a f***. Pearl clutches are weird. You're going to have to make big sacrifices to budget to get out of debt and to have a fully affordable emergency fund and get on track for retirement.

42:07There's also no point of doing any of that if you're going to die at 40. That's around the age my mom died. That's not surprising. Were you guys similar? She had a massive heart attack, so. Were you guys similar? Like, was she fat too? Yes, morbidly obese, let's be honest. Well, yeah, she had a heart attack. I don't know. People have heart attacks that aren't, but that'll get you there a lot quicker. As far as I know, my heart is fine. Buddy, you're 27. Yeah. That can happen in 13 years. It can go downhill real quick. I'm hoping it doesn't. The hope is in what does it. I'm sorry. No, no, no. We need to talk objective things.

42:43It's not a fat shaming thing. We got permission to do all this. Blah, blah, blah, blah, blah. She gave us all the consent in the world. So that's why I'm doing this. I want to go up to a random person in the street and say this. You're morbidly obese. I know. My BMI is like over 50.

42:59Oh, yeah, that's bad. uh yeah 40 is like kind of where you're gonna be concluding this mission of life that's not good for your boyfriend if you want to be together longer selfish two what's the point of sacrificing all this if you're not gonna actually do it and i usually hate that argument for most people because when most people say it statistically they will live into their 60s 70s maybe even 80s so it's like no sacrifice for the statistical likelihood that you're gonna do it that you're to make it there. 13 years is a lot of years to still live. It's a lot of years to still live, but it's like you will be sacrificing during that if we're doing this correctly.

43:36But I mean, that's 200 milligrams of coffee right there with a heart that you already have that is surrounded by... I am running off of 24 hours of sleep. I understand. I'm just saying. I want us to be objective here. We're talking about sure, yeah, talking about morbid obesity specifically is in a financial conversation, but it does involve the entire life that we're having here. What is the point of sacrificing to pay off all this debt, getting them fully funded, emergency fund, and save for a retirement you'll never see? Your mom, morbidly obese, had a heart attack at 40 and died. You were living the same lifestyle.

44:11BMI over 50. Terrifying. And I know I'm a fat f***er. I get it. Your BMI is probably like 20. I'm barely in the obese category. I'm almost under. We love that. Yeah, they're f***ing monthly mukbangs and the Hammer Elite membership is not helping, but Cheesecake Factory this last time, not helping. I've never had Cheesecake Factory. Don't. Okay. Let's take your word for it. Well, a slice of cheesecake is over a thousand calories. Really? Yes. Okay. Either way, do you understand what I'm saying? Yes. And this, you meal prepping, cooking at home, is a kill the bird with two, kill bird. No, no. What is it?

44:52What is it? Kill two birds with one stone. Yeah. Well, yeah. Two birds with one stone. Living longer via getting healthier. Finance is good. We like that.

45:07What? This isn't even like a sexual thing. What does your do this? Mine doesn't. Okay. So it's very important. And it's a very serious thing. Okay. Like, yes, we make jokes and roasts and stuff. As you were well aware and are well aware, yes, that's for the fun of the conversation. Ha ha ha. That's real. I do not want you to follow your mom's footsteps. And there's no point in doing this if you continue to. I don't want to follow her footsteps either. You're doing nothing to change it. I'm sorry. You've probably only got, come on. I'm sorry. How much do you weigh? My biggest, I've been like 302 right now.

45:50Do you know what you weigh? I'm like 287. And how tall are you? 5 '4"-ish. 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. The first one, I've moved my investments to Webull. Do the same and transfer to my investing app of choice and you get cash bonuses of$200 all the way up to$30 ,000 depending on initial funding amounts. and up to 8.1 % APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from SoFi and it's called Chime.

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47:11Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. My link. Number 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. Yeah. Okay, so. If only I was taller. I don't think that's the issue we're dealing with here.

47:49okay so time to take it seriously and you're not you don't want to follow her footsteps but you're doing nothing to change that i feel like i don't have the motivation to want to be healthier okay here's the motivation you won't die in 13 years if that's not a motivation enough i don't know what is death death who knows what my life will be like in 13 years. Dead. Probably. Unfortunately. Happened to your mom. And that sucked. She died in a GameStop parking lot. It's the ultimate way to go out. But. She was behind the driver's seat. She was about to head home. And like it happened and she. Okay.

48:33I'm sorry. I'm sorry. I'm not trying to be morbid. You're not. No. You are to yourself. That's why they call it morbid obesity. I was about to say that. Well, no, I mean, that is. I know. That's why. Okay. Is it? I think so. Okay. Amazon Chase card. Yes. $712.76 on here with a minimum payment of$35. Two years to pay this off. You're purchasing still on a card that is over the limit. This is also over the limit by 12 bucks. What are we doing? That was probably my Prime membership. Maybe pull out your Amazon for me. 107 in interest this year so far. I want to see what you've purchased. We saw what's in your car.

49:15I want to see what you purchased. What you're buying on Amazon. This is ridiculous. All this interest is coming. 107 this year so far. Substantial balance in these minimum payments are going to stack up for your income. I understand that. And that's why I feel like I'm in the position I am. It's because of all the minimums. Okay, here's the purchases. We got some bra. We got love stuffed animals hammock. Oh my gosh. Hammocks for stuffed animals. Yeah. I had a lot of stuffed animals. Stop. Stop. Hyperallergenic. No stud. Women. Men. Surgical. Something. Okay. 16 stainless steel key chain. This is all just so stupid, dude.

49:57Magic John Tupac iPhone thing. You're getting iPhone stupid. Great. I don't give a fuck. Okay. I don't care. You have no money. what a dream LaBubu case she got a LaBubu case protecting oh we're dying ladies and gentlemen the LaBubu gods heard me about the on this LaBubu purchase I'm not even using the case as the thing she's not even using the case as the thing she got a protectorate case and then she doesn't even use it she just keeps it on her fucking dumb ass oh side in box mat that thing That's for my boyfriend. Flip flops. Just cover your toes, please. I am today. None of us need that. Covering them today.

50:42Velvet cloak with hood. That was for my boyfriend. He was, we were watching Harry Potter and he was feeling very wizardy. Oh, I hate you guys. Oh, I'm sorry. What the? You're 27. I'm not even really into Harry Potter like that. What house are you? What do you think? Ravenclaw. Slytherin. My boyfriend is too. I'm a Hufflepuff.

51:15Every entrepreneur and business owner is in Slytherin. Really? Yeah. Tress wellness, hard wax. I have to wash my face. Fucking more plushy bullshit. There's some clothes, toed shoes. I'm wearing them right now. Good. We're lucky. We're blessed. Oh, I got to note that you were absolutely thrilled and absolutely gushing on the phone with Colton that you found out you can affirm on Amazon. Yeah. Wonderful. Great. New financial f***ing locked. That's what most of my affirms usually are, is Amazon purchases. Well, something else we will be getting to affirm then. Merrick Bank. Visa. Okay, it's a credit card.

52:08Yes. Purchasing again on a card that is over the limit. This is three in a row. We've looked at three cards that are all over the limit. This one's over the limit by$12. What the f*** are you doing? You don't care about anything. You don't give a f***, do you? I do. Dude, you're over the limit on the three cards we've looked at. Please explain to me any kind of indication that suggests you care. I'm here. That is, come on. Like, that's exciting. I'm glad. but you haven't shown in your actions that you care. Good, you stand in front of her camera for two hours. I mean, that's not insignificant.

52:38I don't want to discount that, but it's like you're not doing anything in your own actions and finances. That's why I'm here because I want to be able to take those actions and be better. I hope so. $612.60. Minimum monthly payment,$35. What? I was confused because when I first opened the card, it was like a 500 credit limit. It probably went up. It did. Great. I remember because when I used it. And you purchased and interest accrued. $14.86 of interest accrued after you purchased. Pushed it up above. Great. Listen, you can use the Fizz card. At least it's the debit card that builds credit. That's what I would allow you to do.

53:13And if you ever want to get a big girl job, I'll get you a course career certification so you can build your resume and do that. Thanks. I'll help you with either of those things. But listen, what's the critical purchase we did? McDonald's. Shocker. Laundry cat? You don't have laundry in an apartment? Okay, that's fine. We'll budget that in. I've recently started going to my aunt's house. She's like 15-ish minutes away from me. Well, that's fine as well. And if you have to pay for laundry, that's okay. Like it is. Like if you don't have it in the place, that's fine. I'm okay with that. But the McDonald's, what the f*** are we doing?

53:42And then pushing it above the credit limit, not paying off a card. It takes two years to pay off minimum payments without purchasing. But you can't not go to McDonald's. That's all you do. It's like five minutes away from the house. Why does that matter? It's money you don't have. It's right there. Why does that matter if it's money you don't have? There's McDonald's everywhere. That's kind of what they're known for. What's your McDonald's order? So lately I've been getting like the two cheeseburgers and a fry Like the two cheeseburger meal and a fry Two cheeseburgers? Yeah, they're small

54:19Sometimes I'll get a hot and spicy Sometimes I'll get a hot and spicy instead I don't know what that is No drink? Yeah, I'll get either Dr. Pepper or Heisey What size? large 40 years old huh

54:40I feel like I balance like the sodas out because I do drink a lot of water

54:54I wish I wish it wasn't so sane to laugh to It's like you, that is your literal life. It's tragic. Okay, Capital One. What's going on with this? Which one? It says, oh, platinum. Which one? I have two. World? Huh? Capital Platinum card, World MasterCard. World? That's what it says. I don't know. Um, probably wanted something that I didn't have the money for. Oh, good. Yeah. It's a balance of$508. Does that help narrow it down? Not really. How could I tell you which one then if not the balance would even answer it? She's over the credit limit. Four in a row now. Four in the row now. She's over the limit.

55:40The limit's 500. You're over the limit on f***ing everything, dude. You're over the BMI limit. You're over on all the credit limits. You're just f***ing. It was probably interest that brought it over. No, you dumb. I'm sorry. I'm sorry. I'm sorry. I'm sorry. Shh. Quiet. That is ridiculous. The interest alone, if you did not purchase and you made a monthly payment, would not do it. It would never do it. Never. Never. Not even on a payday loan would it do it. What did I purchase on that card? I will get into that. I need you to know that. It would not do that. Okay. The minimum monthly payment is constructed in a way where you will pay it off.

56:17It will not just endlessly go off. It might take forever, but it will be paid off. But if you make a payment and it goes$2 under the limit, then you make a$20! $2.12 purchase! No s***! After the interest then hits, it goes above! No s***! That's how it works. It's only because you purchased because you made the choices! Choices! Yours! What? Was that Taco Bell or McDonald's? It was DoorDash and what you said you didn't do, you dumb tit! Popeyes! Then you went into a gas station and got probably a Celsius or something. I usually drink Monster. Great. You went into a gas station and got some Monster.

56:56Probably. Is it Monster Zero? No. I like... For what it's worth, those things are so calorically dense, they're insane. What do you mean dense? As in they have a ton of calories. Oh. For the amount that you're consuming. What is the calorie, Brandon? Do you know? You drink that, don't you? Celsius? No, a Monster. Oh, not a monster. That's disgusting. Uh. Well, no, no, no. We established on Fat & Fatter it is actually quite yummy, but it's like disgusting in terms of health. But it's yummy. Monsters are like 200 calories of monster. This is like 10 calories. Yeah, because it's Celsius. But the Pipeline Punch is so good.

57:36It's the best flavor. I'm Googling it. The normal one's 230. It's probably similar. It's actually a little lower for what it's worth. Oh, really? 200. Jazz hands. We're on a diet. Who's on the diet? Great. So we got a monster and we DoorDash Popeyes, of which, again, we said we did not do. Ever. I never said I never did it. It's kind of what you were at least suggesting through your language. Replay it. Throw it in. Not as expensive as DoorDash. What? I don't DoorDash. I'll go and pick something up. It's not as expensive as that. Come on. That's what it at least sounded like with your words you were saying.

58:11Because you made it sound like I only DoorDash. Like once did DoorDash. I'm going to die. This is crazy. You push it over the limit for monster and Popeyes. I probably needed a monster that morning. There's no such thing. Yes, there is. As need? If I didn't get a good night's sleep, I need something to keep me awake. Buddy, then you were just keeping that cycle going. What do you mean? If you are overcompensating by not getting enough sleep and not keeping your caffeine at a baseline level, you're overcompensating. You are going to make it harder to sleep still. It's not that I don't get enough sleep.

58:47I just don't sleep good. No, I'm sorry. But that is how that works. Medically. It's probably because I have sleep apnea. Yes, that's what I'm saying. I'm supposed to have a CPAP machine. No, yeah, let's just get to the grave quicker. Come on. I'm not saying that it's an insult. It's just like not a surprise. It's like you can solve these issues by doing just a couple of things that we're talking about that also improve your finances. is.

59:16Okay. Interest. Yeah. 82 bucks. Yeah. 29 % rate. Okay. We got a venture one card. Okay. What's going on with this? Is it I probably got something I couldn't afford? Or is there a little more information perhaps? A little more reflection?

59:33I want to... All right, ladies and gentlemen, get her on Rogan immediately. What's Rogan?

1:00:08You're a cable TV watcher? How do you not know that? What cultural blindness do we have? Yeah. I lost the paper for the last one. I need to know the minimum monthly payment for the Capital One Platinum that we went through. All of them are$25, the minimum monthly. Yeah, for all Capital One ones. Okay, this Capital One venture is also$25 at a$506 balance. Yes. It's over the limit. Good, dude. This is five in a row. This is five in a row. Five for five. Colton's saying all you watch is Supernatural, so I don't want to hear it. Yeah. No, well then, yeah. I'm not surprised you don't know who people are.

1:00:43I used that card to go to a supernatural convention. Is this supernatural an old show? Yes, but they still do conventions. They still do conventions. That we go over a limit for? Yes. Oh my goodness. From the cloaks to become wizards to supernatural conventions to being maxed out on every card plus more? Oh, what are we doing? I mean, there's no indication that you actually do care. I'm sorry. You say I care, and that's why I'm sitting in this seat. That was a couple years ago. That was the reason I opened that car. But it doesn't matter. Either way, you were over now, and you got the cloak last month.

1:01:20So I don't want to hear it. The cloak has nothing to do with Supernatural. I am talking about just spending behavior. Why are you laughing? I don't know. I'm sorry.

1:01:33Are you taking this seriously? No. Yes, I'm sorry. Ford Blue Cruise hands-free highway driving takes the work out of being behind the wheel, allowing you to relax and reconnect while also staying in control. Enjoy the drive in Blue Cruise enabled vehicles like the F-150, Explorer and Mustang Mach-E. Available feature on equipped vehicles. Terms apply. Does not replace safe driving. See Ford.com slash Blue Cruise for more details. Wait, no, that was, I am taking this seriously, I'm sorry. Two years to pay this off, it was Disney Plus. Yep, there's a subscription. We got, we're keeping Disney Plus on a car that is over the limit.

1:02:19Well done, you're never going to be debt free. That's what brought it over the limit. No, and that, guess what, believe it or not, charges on a reoccurring basis. So, that's going to keep it over the limit. Yeah. Yeah, boy. Recently, I made like a bigger payment, like a minimum payment. So hopefully it won't go over again. Doubt. Because that's not how this works, dude. It's just going to keep going because that's more. This is more money. All right. Another platinum card. So we'll call this the second platinum. $456.81. Wow. The first time we're not over. Well done. You're about 40 bucks to get there.

1:02:59But okay. Thrilling. $25 minimum payment. payment. Two years to pay this off. They're all two years, but that's if you don't purchase. And you didn't purchase on this. These guys are like the first one we didn't purchase on, so it didn't go over. I'm sure you will now that there's ability to purchase. 31.24 % interest rate. You don't want to know my car interest rate. Huh? You don't want to know my car interest rate. Well, in fact, I do, but we'll find out when we get to it, for f***s sake. Because if you think that's bad. Well! Okay. Okay, we have a Target card, of which we didn't send a statement.

1:03:33We sent... That... We sent a screenshot of the download your statement page and there's all the months of her statements instead of actually clicking... The statement is really small at the top. It wouldn't let me download it. I can try to read it for you. I can read... I have eyes. Okay, okay. I'm sorry. I didn't know if you were nearsighted or farsighted. But I have glasses. That doesn't matter. $366.60. You're under by 30 bucks. Yeah, I bet you're Target obsessed, aren't you? I used to be. That's how you get your steps in. $366. $30 minimum payment. 15 months to pay this off. Again, no purchases, but$8.88 of interest this last month.

1:04:17So if there's been no purchases, oh, never mind. I'm thinking of something else. Oh, man, this just keeps going. Are we making a third Fat Stack week at this point? this is crazy this week has been the most insane week of filming i've ever experienced and that's why the wink that the wink the ink is so dull because we've we've just we're just running out of ink with you people this is crazy this print in black and white then huh print in black and this dude this this is that's orange yeah but the black and white is what's oh you i hate you no i don't that's not true just i don't i hate that moment torrid what's going on torrid I purchase clothes with that card, like when I need them.

1:05:02Why would you need more? You already have. It was initially open because I needed some pants for work. You did not have pants. Not that specific type, no. And it was Black Friday. Okay, so we got$352.34 of pants? No. Single pair? When I opened that card, that was the reason I bought it. Right. Opened it. That was, yeah. 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. Well, then take the train, you f - And brand new shows, Fat and Fatter.

1:05:48That is, that one is, I would go off-brand. Behind the audit This was wild Shop smart

1:06:01And now, upgrading from one live stream a week to two No other channel offers what Hammer Elite provides Join with the link in the pinned comment or description below Join Hammer Elite, the best membership on YouTube today You guys are destroying your financial future You're spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal$1 ,100 monthly car payment. Yeah, it's getting a little tight. $264 in monthly subscriptions. I didn't know we had that many. You guys have to take control of your finances. How? Just download the DollarWise budgeting app.

1:06:44It shows all of your expenses in one place. and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the DollarWise budgeting app today and take advantage of your free trial. And now, I mean, you're still purchasing. You got something at Torrid for$56.78. That was probably a new bra. You did not have bras. You did not have bras. Not one that fit me properly, no. Are boobs fluctuating endlessly? Different types fit differently. like different styles. They have different styles. Why didn't you have by 27 bras that fit you? Huh? That's not the only thing I've bought.

1:07:24I'm just confused how you had to spend this. Like of 27 years, you never got bras that worked. I purchased more than bras with that card. No, you said this was bras though. This purchase. Like the most recent purchases, recent purchase was a bra. And I'm confused how you did not have any bras that fit you. Because I was buying the wrong style. For 27 years? I guess. Oh, for f***s sake. Okay, 11 hours and one cent of interest is accruing. Yeah, it's close to the limit. At least you're not over. Oh, you've had a late fee this year so far. Well done. Um, I don't remember that. I'm sure you don't.

1:08:0835! 35.99 % interest! Oh, that's insanity. that is disgusting never even seen that iron credit card as far as I remember oh okay let's keep going let's keep going Zabble what the f*** is a Zabble you're getting things that are just like made up British words oh Zabble oh good good my Flipple Zabble my Zabble call so I can get my Flipple Womba what the f*** is this that's a credit card

1:08:42wonderful answer Ladies and gentlemen, get around Theo Vaughn next. Our interview queen. What's going on with it, perhaps? I use it for food, I think, mostly. Okay. Yeah,$26.58 of purchases,$8.84 of interest. Oh, we're over the limit once more. $301.63,$25 minimum monthly payment. Yeah, we door-dashed Subway. So, so far, we've had a few going out to eat, but two out of three of them have been door dashing. And are we still sure the majority is not door dash? Because right now, the majority is leaning towards door dash. I'm sure we're going to get a lot more on our checking because, oh, you spent a lot.

1:09:25No, a lot of the, like, charges on my checking for food is, like, drive-thru. Well, it's funny because you don't have the room to purchase it on your credit cards or else you would. They're all maxed out and many over. Yeah. That's crazy. Why in your financial situation,$15 an hour, are we getting so much DoorDash in a month? Like that's insane. Is that not insane? I'll bring lunch. Like I'll bring like a frozen. Dude, I don't even need to hear that. I'm asking, is it not insane that you alone are getting DoorDash at$15 an hour? It might be insane, yeah. Yes, it is. It might be. It is. Quicksilver card.

1:10:05That one. may have been for an, a purchase. Wow. Whoa. That took us 30 seconds to really get through that. That really insightful. I was trying to remember the exact purchase. I can't even think of another interview show we should get her on. Let's get her on Jimmy Kimmel. Um, maybe Amazon. even though I have an Amazon. You didn't even purchase, dude. You didn't even purchase. It's pretty close to max out, but you didn't even purchase. Okay? You made your minimum fee payment of 25 bucks and that was it. $6.31 of interest accrued. We've made it to a firm. Oh, God. At a 36 % interest rate. Oh, I'm losing hope on this one.

1:10:59Ooh. Ooh, there's too many fat stacks this week. That is not making fun of your weight. That is the amount of paperwork. but I guess by saying I wasn't making fun of your weight I called attention to it so even if you were it's okay I know well I wouldn't be saying it if it wasn't already allowed I don't just make fun of people without their permission

1:11:25$447.50 is owed on here that is for concert tickets to who? the fat IPs?

1:11:37I'm gonna kill myself take a wild guess just guess get me on kill Tommy fat and black doesn't even sound similar what did I do I'm literally construct the noose every noose ever you really are trying to make fun of my weight huh you said the fat eyed peas oh you're going back to that I was making fun of myself though how horrendous that was. Whew. Like, it wasn't even bad enough to get a smirk from anyone in the room. You know how a joke can be so bad that it gets a smirk? Not even that. So, I'm going to see 21 Pilots in October. What the f*** have they been up to? It's 2015. They're done. Like, Tyler said, after this tour, they don't know when they'll be touring again.

1:12:29Who's Tyler? One of the guys. Is that your boyfriend? No. One of the guys on 2019. You can't just name drop people. Well, I don't know. You said 2015, so I thought you knew who they were. I know who they are. Why would I know their surnames? I thought you knew their names because you knew that they were popular in 2015. I know a lot of bands. I don't know their names. Why the f*** would I care? Tyler is the singer. I know Tyler, the creator's name is Tyler. Well, the singer's name is Tyler too. But he said they don't know when they'll be touring again after this tour. Well, that's because they've heavily fallen off.

1:13:01No, it's because they've been touring a lot. They've not heavily fallen off. Don't even play with me. Dude, I like their music in 2015. Have you listened to their new stuff? Nobody has. That's the point. I have. And I guess you make up for at least three people, so that's helping them get there. But I was supposed to be going with a friend and her husband, but that's not happening anymore. Which one? I don't care. Great. So you purchased something for it's barely not even happening anymore. You're going alone. Wonderful. She. Hey, what's your minimum monthly payment on this? 40. Wonderful. This will be paid off in pie when you're 40.

1:13:45She's still paying me for her and her husband's half because she went behind my back and bought concert tickets for a different concert that same day in a different state. What band? A K-pop group. Now that seems valid. What do you mean? I don't know, but at least people listen to them. You don't even know the group. No, but K-pop's huge right now. K-pop has been huge. Exactly. We just saw that. Guess who's not? Guess who is? We just. I'm sorry. I can't. I'm sorry. Okay. Okay. What does this affirm that is$120? I would never make these jokes if it wasn't for this. I mean, kind of. Here and there.

1:14:25With my friends, sure. $126.81. at a 36 % interest rate. What is this? It's probably Sheen. It was Sheen. Wonderful. For my two LaBuboos. From Sheen? They're authentic. You want me to jack you off? I don't have that for you to do that. We can still call it that. But it's... I can't get them off Popmart. You shouldn't get them. I wanted them. Oh my, within the last year, she has affirmed$700 of La Boo Boo's. Yeah. Great. Well, we're paying 36 % interest on La Boo Boo, making a multi-multi-billionaire even more multi-multi. Wonderful. And that fad's already kind of already going, so. Not really.

1:15:09They're still really hard to get. Oh my goodness. Just like 21 Pilots. Come on. It's like you're not recognizing the trend. They're not as relevant as they were a few months ago. First of all, quit coming for 21 Pilots. They didn't do anything to you. I liked their music 10 years ago. Exactly. You might. I don't know. we should listen to. Sabrina. So Chime, and I like Chime. I mean, they're the high yield savings account that we market and I'm okay again with like pay advance stuff. They're our way to finesse it. You and people on the show do not and it is anti you. Now, hopefully you're not even using that.

1:15:42You didn't. Okay, good. I've used it once. You're talking about like borrowing from like my check? Yeah, you just get, well, you get your check early but yeah, essentially. Yeah, I've done it. Well, okay. So nothing really happened in this account. Okay. Now, Experian Goodyear Tire? Yes. I have a Goodyear card. I wish we could have gotten a statement for that, but okay. I sent a screenshot. Of your Experian. No. Okay. Of the Goodyear card.

1:16:13Okay. Well, I don't know. It's$1 ,125 with$1 ,125 over the limit somehow. Great. But what's your minimumancy payment? 40. Great. Wonderful. What's the interest rate?

1:16:29Do you struggle to breathe? No, I don't know my interest rate. Okay. What's your minimumancy payment on that? 40. Boo-boo. I think like 11 or 12. I forgot the right thing then. Okay. Best egg. It's not new egg. I don't know what best egg is. What's best egg? That's a personal loan. Good. Oh, no. Yes, it totally is. $3 ,382.50. What? For what? That was also for the Supernatural Convention. Oh! What? This is$3 ,382! So the loan was for$5 ,000. It didn't all go to a board. How much did? Like, a thousand. Oh! Where'd the rest of it go? To a board. Trying to pay my debt. Oh, and that clearly works so well.

1:17:19And then the credit limit, If you do not change your behavior before you consolidate your debt, you will end up with double the debt. I've learned that. Because they rank it right to back up. Here, the f*** up again. And this is another prime example. I've learned that the hard way. Wait. Oh, for f***ing sake, what did you do yesterday with this loan? Or the day before you had a phone call? What did you do? What did you do? Tell them right now. Tell the audience right now. I had to ask for an extension. because when I got in my car accident in August, I was out of work for a few days. This was told to call it in the green room right before filming this.

1:17:58Well, yeah, because I just asked for the extension yesterday because my payment was about to come up literally tomorrow. I'm glad we're getting DoorDash within the last month. I'm glad we're getting Clarnaboo Boos within this last month. Now we have to call and get our loan extended. Well done. Maturity at its prime. Great. What is the interest rate on this thing, huh? I don't know. Great. Well, neither do I because it's not on here. How do you not know anything? I can look it up if you want. No, I'm going to calculate it. Okay. I asked for like... X. What? I asked for a month extension. You asked?

1:18:35And they gave me two. So now I don't have a payment until November. It's a 28 % interest rate. 29.

1:18:47oh he went to a pokemon convention too wonderful yeah well a couple years no last year all right this oh she has a payday loan that's not a payday loan it says payday loan no that's oh it says payloan sorry i'm going from your existence in front of me you're right but the product is called grow up that would be nice i have that's my gerber life insurance the policy that my mom took out for me when I was young. Okay. Well, that's... And I took a loan out from that to try to consolidate my debt.

1:19:24Oh, good. If we knew more about our sleep, what would we do differently? Would we go to bed at a consistent time or take steps to reduce interruptions to our sleep? With the all-new Sleep Score, Apple Watch measures your bedtime consistency, interruptions, and sleep duration. Then, every morning it combines these factors into an easy-to-understand score from 1 to 100. So you'll know how to take the quality of your sleep from good to excellent. Introducing the new sleep score on Apple Watch, iPhone 11, or later required. Death! Oh, you're collecting infinity stones! This is insane! And what did you use it for?

1:20:03To try to consult. What? Credit cards. No, affirm. Oh, yeah. And credit cards.

1:20:16Because at one point, I was having to pay a firm like$100 per paycheck. I'm going to die. That's how many I had. Okay. Quiet. It's a silent moment. I need to focus on how much this is insane and how much I don't want to be in this episode anymore because how the do I even solve this?

1:20:48So what is it? This is a Gerber? It's a life insurance loan. Shh, quiet. We're whispering. This is a silent time. I'm developing an aneurysm from your numbers. what's your minimum monthly payment lady i don't have it's still quiet time yes i don't have a minimum monthly payment um i pay it when i can two thousand sixty seven dollars and ninety seven cents is their interest um they probably wouldn't let you borrow without interest i don't think so why would they let you borrow without interest i don't know great is that a whole life sometimes you can do that. I don't think there's an interest rate.

1:21:32I don't fucking know. I don't think Garber offers a lot. It doesn't go up every time. Alright, we're done with quiet mode. F*** that. Okay. Okay, main financial. Is this the car? That was my old car that got paid off. So it's done. Yes. Alright. Okay. I do have the information for my new car loan. Well, we don't have it. No, because I just got it on Monday. It's a 2019 Nissan Rogue. Have we done the value check on that? Let's take a look. Let's take a look. Let's find a 2019 Nissan Rogue. How many miles? When I got it, it was like 79, but I've put like 500, so like 80 ,000. 80 ,000 miles. 2019 Nissan Rogue.

1:22:10Condition pretty good? Mm-hmm. Okay. What do you want? What's the balance? So the balance is like 18 ,000. Like 18 ,000. Okay. What's your minimum monthly payment? 508. What's the interest? 17.6. What the f*** are we doing here? Because your credit's death and you had to get a predatory loan if you were going to get a loan on a car. My boyfriend. Oh, and you get a co-signer from your boyfriend, right? So he is actually the main, like they put him as the main person because his credit's a little bit better. And I'm the co-borrower. But the car's mine. Oh, no. You guys haven't even been dating for a f***ing year.

1:22:54That's how serious he is about me. Oh, f*** off. F*** off. That's literally what he told me. Oh, he's, oh, what a joke. Yeah, he's romancing you. Can you not tell the difference? Oh, you matter so much. But yeah, he's doing love words. He is not love bombing. I'm not saying love bombing. I'm not TikTok where everyone's a victim because they got flirted with, okay? Okay? I said he's flirting with you. He's love wording. He's words of affirmation. There you go. Why is that a bad thing? Because you're conflating it with this is a perfectly reliable situation that there's going to be no wrong, that we're not going to break up, everything's perfect, let's get debt together.

1:23:34We don't plan on breaking up. No. Oh, yes. I love the classic going into a relationship with a plan to break up. Some people date to just date. Yeah, but that's not a relationship. That's just dating. Yeah. Oh, lady, have you ever existed in this world before? I'm concerned that not. barely yeah because you just watched Supernatural on a repeat $339 Zalad Money and you're checking it out Taco Bell getting monsters getting monsters McDonald's McDonald's I'm gonna die I'm gonna die your car's worth$16 ,000 by the way that's yeah that's what they asked for it and then that's taxes and everything on top of that Little Caesars subway really

1:24:27using subway for all it's meant for taco bell mcdonald's getting a monster coca-cola tiktok shop mcdonald's oh oh wow we really do go to mcdonald's every day when i said that earlier i was kind of making a fat joke but turns out stereotypes exist for a reason getting a monster apple pay out getting a monster getting a monster pizza hunt getting a monster apple bill McDonald's getting a monster going to the buffet getting a monster McDonald's I told you there wouldn't be any door dash closing balance 600 there were in other ones on debt accruing credit cards I said on that there wouldn't be any door dash it's just accruing credit cards okay like no money in our savings wonderful oh wait so I have a savings account that's specifically for my bills Okay, so it's not a savings account.

1:25:25I mean, it's labeled like a savings account. It's not a checking account. But you're not keeping money in. No. Okay, so zero is what I'm going to consider then. Yeah, basically. Wonderful, great. There's Chime checking account 171. I'm getting Popeyes. McDonald's.

1:25:46That's pretty much it. Wow, let's see if this is budgetable. Let's see if this is even budgetable. Genuinely curious. All right, so debt equals$26 ,993.22. Very bad for your income situation. The income is$1 ,900. Okay, let's add up these minimum monthly payments. Credit One,$41. Amazon,$35. Merrick Bank,$35. Capital Platinum,$25. Venture One,$25. Platinum, number two,$25. Target Card,$30. Torrid Card,$30. Zobble,$25. Quicksilver,$25. The first Affirm,$40. Second Affirm,$11. Goodyear,$40. Personal Loan,$206.79. And then our new Nissan,$508. That brings our minimum monthly payments to$1 ,101.79.

1:26:55Wonderful. Great. Now, what do you provide to the utilities and internet and all that stuff? How much money is that? So I give my boyfriend about$200 each check. Check? Yeah. So$400 a month. Yes. Okay. We're already up to$1 ,500, by the way. $1 ,900 to live off of. Great. What's your phone bill? Like$150 Why? Because you own your phone When you're done, if T-Mobile's good in your area, switch to Helium I only pay$8 for my phone Because of a promotion So the whole service is$150 Okay, great Once your phone is paid off again, switch to a lower paying service I do plan on it That's how they get you Oh, it's cheap, you know, my minimum payment for my phone But you're paying a ton for your phone's service Okay, room, room, drive, drive How much gas?

1:27:42A month. Yes. Like 40. Okay. Car insurance. 267.

1:27:56We are now over budget officially, but you said you buy groceries for the house? Mm-hmm. So for three people? Yes. Well, you can contribute$800 of that pile. That's insane. I would rather split$700 rent, by the way, than that because this math is no longer mathing. TP fund, anything else you need to survive is$100. Medical health care, any co-pays? They're usually$35,$30. Is that once a month? I don't go to the doctor often. Okay, so I don't put it in there then, right? Well, I see a therapist once a month. Okay, how much? That's$35. Okay,$35. I dare to ask, but Jim? No. Okay. Let's put in 50 bucks because you need to go to the gym.

1:28:41What kind of gym membership is that expensive? Let's just call it 50. Okay. Just to be safe because I don't know. Planet physics might be cheaper. I don't know. Okay. You said you have a pet, right? Yes. What? Okay. Age? He is like seven. I don't know if you can get pet insurance on that. Maybe. I'll put in 60 bucks because you need to make sure you get good pet insurance. How much for cat food? Um, maybe 20. Anything else that needs to be in your budget that I have not put in yet? Can't put anything in subscriptions because we're already over budget. So, okay, you can. Brandon got his cat at seven pet insurance.

1:29:24So anything else that needs to be in your budget? No. Okay. Well,$2 ,923.79. Here's the thing. Stop with this food splitting thing. You can't do that. I would see if you can contribute to rent. not the full utilities. Let's see if we can contribute. We can split rent and utilities down the middle. I think you will save more money instead of you doing food. You're actually getting kind of milked here. You're getting a little or you're spending more money than you would. So let's say that brings it down to like$2 ,500. You're still pretty. You need about an extra$600 a month. If you want to stay in this job, that's great.

1:29:54You need to go work a second job, which means no more supernatural every single night. You're working. You need to bring in at least an extra$1 ,000 so you can throw$400 towards debt. That's a minimum because$400 towards debt at$26 ,993.22 divided by that$400. Wait, no. $26 ,993.22 divided by 400 is 67 months, which comes out to still five and a half years, but that's better than nothing. And you do got to get out of debt. Unfortunately, with five and a half years, that gives you only, based on your history, seven more years to live. And that's not even, by the way, a fully funded emergency fund.

1:30:31Probably get five years to live with a fully funded emergency fund. Not great. So we got to change the health part as well, but the meal prepping is going to help with that. And I put it in a gym that's going to help with that. Let's start taking that seriously because I want you to be around. Okay? Okay? We got to film follow-ups together, right? So let's stay on the planet for a good long while. So that's what you got to do. What I would prefer is that you go and just get a better job at a different place. And then we always shop around until you land somewhere that you like, that you are getting paid well for.

1:31:02That is the ultimate goal. but you need to bring in a minimum extra thousand where you are now and you need to split rent utilities and take care of your own food. Sprint utilities is split down the middle. That'll bring you down to about$2 ,500. Because right now you need to bring an extra$1 ,500. $1 ,600 in order to have a chance to pay this off in five and a half years and then fully fund emergency fund a year after that maybe. Okay, so that's where we are. Oh, they said I'm going to be pissed. Colton's saying I'm going to be pissed. I guess there's something in the post show that's about to piss me the fuck off.

1:31:32Great. usually okay great let's get your hammer financial score first and then we'll go into the post show all right spending in a budget you ever spent zero out of ten debt well this is as bad as you can get without collections or iris debts one out of ten emergency fund no nothing zero out of ten retirement i don't even know zero out of ten real estate zero out of ten it's going to be a hammer financial score rounded up to a point five out of ten ladies and gentlemen click that join button next to our channel name and join Hammer Elite to get three premium shows posted every single day, Monday through Friday, where you can also come watch this financial audit post show, of which apparently I'm going to crash out.

1:32:11I can't wait. So apparently there's something. Tell me, what is it? I just opened a fair to firm. For what? What did you get? TikTok shop. What did you spend on TikTok shop? Because I know there's a thousand dollars in the cart right now. Well, I got this car. Oh, exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

1:33:00Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great.