Pampered Princess Thinks Poverty Is Easy | Financial Audit

23:09The more they buy, the more they save, but they don't. Is that the depending on the client or are you just like picking what minority you want to charge more? What are you talking about? It depends. So like, yeah, I don't know. It's really stupid on my part. What's the depending on a client? So some clients don't need any marketing help. They do their own marketing. So I just do the admin tasks. The admin tasks are hourly because I'm like, how else am I going to package that up? The admin who doesn't know how to budget or business. I don't do their finances. Come on, admin. You are doing everything that impacts their finances, whether or not you're in the dollar bills.

23:40But actually, it helps them. Like, I've had great success. My clients have had great success because of me. Great success. Okay. But anyway, the pricing model. The pricing structure, sure. Okay. So 20 hours is like. Apparently, you're just talking down Colton's ear about how I'm going to hit six figures next year. I'm going to hit six figures next year. I'm going to hit six figures next year. Yeah. By the end of this year. Yeah. Yeah. Yeah, not many months left to go from literally negative balance to making six figures. But sure. Try this question structure thing for the third time. Okay. So the hourly packages, the more you buy, the more you save, but they don't expire.

24:15So I have a client who bought ours in January, but it's August and she hasn't finished them. Good, but that's fine. But it's not predictable income monthly for me. Then you have to budget that over the month. You need a much larger fund just sitting there to get you through the up and down months. I mean, that's pretty damn basic. That's what I had originally. sign-upper? Has none of them told you that? Has none of the coaches you pay infinite amount of money tell you that? I'm telling you that for free. In fact, I'm giving you money to tell you that. Come on. In America, half of every dollar spent on brand medicines goes to entities who don't make them.

24:47While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing $500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middleman markups and put American patients first. Visit phrma.org slash middleman. How much have you spent on course and bullshit, Coach? You'll probably see it in my statements, actually. How much have you spent? Total? Yeah. Oh, like, since I started the business in 2019, I would say at least 20K. I guarantee you the TikTok coach we had in this chair, the little TikTok agency, girl, coached her.

25:33Insert clip now. Not only that, but then I developed an e-learning program for social media. You developed an e-learning program. Yes, I did. Now that I can personally show you. For fuck's sake. I bet you paid her money. No, I don't do, I mean, I have my own. You spent$20 ,000 and you make$0 a month right now. It makes no sense. What is the future then? What is your intended future? You say you're getting to six figures. What are you doing? Getting more clients. Sure. But how does this business look, though, with the unusable hand? Essentially, I am the strategy behind everything. So I help them with their marketing strategy, their launch strategy, like whatever they're doing in their business.

26:14And then my team executes. But clearly, since I'm better, I probably need to do more of the work and pay them less. So my intent is to pay my contractors for only five hours each a month. But sometimes it gets like they when they run out of hours, they're like they send me an invoice. So I need to send them more money and I need to sometimes it comes from credit cards, too. So no plan is what I'm hearing. Pretty much. Which is interesting because I hear you have a major issue with me. I know you watch a lot of financial audit, but quote, she's pissed. Caleb only tells people to stop spending. Not how.

26:48What is your issue? Because I just trying to ask you for a slight plan. I'll tell you one thing. You didn't tell me how in any way whatsoever. But go ahead. What's your issue with that? Why does that piss you off? You can tell me all day to stop spending, but how do I do that? What do you mean? What part of the how? Take the actions. What are the action steps behind that? Okay, don't go into the McDonald's drive-thru. I literally don't do that. Delete the DoorDash app. I'm doing an example. I haven't seen your spending yet. But that, I mean, what do you think? You got to spend money to make money.

27:13If I say, hey, don't spend at McDonald's, the action is don't go to McDonald's and swipe. Like, what more do I have to say? If I say don't have the subscription anymore, the action, the how would be cancel the subscription. What more do you need? I'm confused. What's your issue? Okay, okay, okay. No, what's your issue? How? Well, you go onto your profile on your phone and push cancel. But what if you don't have the willpower to do that? Like, how do you do that? Okay, then give up and die in poverty. Congratulations. None of us are going to be here to support you. Like, what do you mean? You have to have some kind of personal responsibility.

27:49and I'll have empathy and I'll help. I can hold hands, sure. But if you're just going to say, well, you know, has your willpower to cancel a subscription? It's like, okay, then just give up. What are we doing here? Like, if you can't do that, then there's no hope of anything. And the rest of us are going to be here to bail you out? I don't think so. It's just hard. What's hard? What are you, again, if you're pissed off at something, what is it that you're pissed off at? I feel like, okay, sometimes when I watch episodes and you're like a therapist to people, that's great. But then other times you're like, just stop spending.

28:19And it's like, yeah, it's situation to situation. It's like, yeah, well, that's why I'm on the show. Gotcha, bitch. Wonderful. Depending on some people's situation, it has to be more, you know, the handholding. Some people's situation, they're just blowing money and there's absolutely no reason as to why. No sh**. And which one are you? Something tells me you're just swiping mommy's card. I don't buy things with mommy's card. Yeah, but you live also under mommy's roof. Yeah, but the house is paid for, so we don't have very many expenses anyway. We? 33-year-old grown adult woman who is a mother.

28:5434, yeah. And if you're 34 and also a failure, feel free to come on this show at calebhammer.com. I'd be happy to have you here in Austin, Texas. Okay, okay. I want to get into these finances, but again, if you spent 20 ,000 hours on courses, I want to know exactly what you've gotten. What have you gotten? What am I dealing with here? a lot of courses on the same things to be honest just from different people what are you doing? Tell me anything that is actual answer like social media, marketing but that's you! You're the one that's supposed to be doing this, why are you? Correct but I need to expand my skill set you need to learn and you're still learning every day aren't you?

29:35Are you? Yes, am I blowing$20 ,000 for it? No for f*** sake our thing, the thing we offer that has like the lowest refund rate in the industry. I also have that. That's fine, but you get it for free and you know that you get a free refund within a month if you ask for it if you don't find value. That's how confident we are in it. But even that, all five or whenever this comes out, six of our educational programs plus the budgeting app is literally 197. How the f*** did you spend $20 ,000 when we have like the best in the industry with the most lenient refund and the lowest refunds? How the f*** did you spend$20 ,000?

30:10It's a completely different industry first of all. No. You got scammed. No, they're great. You got hustled. They're great coaches. They are. Which is why your business is so successful after investing$20 ,000 into learning how to do your business better. And even at your peak, you made$30 ,000 of your net in Miami. At least I don't have to pay rent. Yeah. That's the only reason you're alive and you have a roof over your head. What the do you think? No, probably being enabled. Who would have thought? But I'm saying you spent$20 ,000 and in your best year, you made$30 ,000 net. Where's this return on investment?

30:45If they're such great coaches, where's the results? But it's$20 ,000 since I started the business in 2019. So if you think about it, that's, you know, six years.

30:57Your best is$30 ,000? Yeah, it's not like I spent$20 ,000 in one year. Here's the thing. If after six years, your best year is$30 ,000, not your business is not doing very well. Well, okay. It's grown from like what it was for sure. Yeah, zero to 30. That's still not great. Listen, I'm giving you that excuse. year one, two, three, maybe four. But if we're talking year six and we're not making enough to live, I mean, I was before March. I was. I really was. It was 30 ,000 dollars a year. We just talked about that. You can only live because of mommy. $30 ,000. Like that's not a bad when I don't have a lot of overhead.

31:27Because of mom. Your business itself is not successful nor sustainable six years in. If mom's not there, I don't know what the f*** would happen. You'd probably get her house because you're lucky because everyone else around you takes care of you. And I'm glad you're getting the child support because, yes, he put it in and he abandoned. So, yes, he should pay that. But even still, that's going to help subsidize you needing to try to go better at your business or retrain your skills or get into or just not necessarily give up, but accept the reality of your business and maybe go work for someone else.

31:53You know, the best experience you'd possibly have working in a marketing agency and an actual job making$60 ,000 a year and picking up real life skills. No, thank you. No, thank you. Well, that's where you actually learn things on the ground. Well, yes, I've learned a lot actually doing my business. Some of the coaching things work, but obviously yours hasn't. I've learned a lot like actually doing this as well. Is this the first time moms bailed you out? Let's be honest. 34, almost bragging, living at home and being proud of it. I needed the physical support more than anything. Is this the first time she bailed you out?

32:19Absolutely not. What? Tell me. Well, when my ex and I were still together, we would need to borrow money from her quite often. Okay. So you've never been an adult once in your life and you've pursued this hobby. I was a teacher before I made an actual, well, actually I was making around the same amount. So like it wasn't a great salary, but like a teacher doesn't make great money. $30 ,000 a year in Miami? In 2014, when I first started teaching, I made, yes, check for 2014 though. I promise you the first year was$35 ,000. First of all, it was 2014 money versus 2024 money when you made$30 ,000.

32:57With inflation, you're probably talking closer to$40 ,000 of what you made in the back then cash. But even still, 2013, yeah,$46 ,000. But after the tax pennies that you get, no offense, making$46 ,000 as a teacher and everything. I know you didn't have a kid yet, but you weren't paying much in taxes. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central.

33:32You 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? 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. DollarWise.com. Click that link below.

34:09Your 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 go. Remember. No, I wasn't. But still. Remember the bottom 50 % of earners in this country of which you would have been one paid 2 % of all net federal income taxes in this country. You did not pay much. So I don't think you were at 30 ,000 hours, but even say even stuff. Okay. You were probably close to about 40, which is probably about 50 in today's money. Gotcha. So no, let's not do that. So. Not saying you shouldn't have been paid more.

34:41Listen, I would love teachers to be paid more. Yeah, that's why I left the profession. I was like such an underappreciated. Yes, but you're making less and then you borrowed from mom. I work for myself. You work for yourself. No, you don't. You work for your mom subsidizes you in order to do a hobby. Shut the fuck up. Okay. What do you think your financial score is zero to 10? Zero being the worst, 10 being the best. It used to be worse, but okay. I know you love that statement. It used to be worse. I would say I'm a one now. So if you want your financial score, see where you stand in the world of finances, go to CalebHammer.com or DollarWise.com.

35:10Take the assessment. It is free and you can see where you stand and where you need to improve. And if you don't want to be like a guest who ends up on this show, make sure you sign up for the DollarWise budgeting app. Take your free trial now. And if you like it, sign up for the annual version to save a lot of money and get my budget-friendly cookbook signed by me and mailed directly to you. And if you want to bundle all of the education together, sign up for DollarWise Central. Go to DollarWise.com. Save 80 % that way. Want to set you up with the best resources possible to change your life. Like tens of thousands, nearly 100 ,000 people have done now at this point.

35:40I appreciate it. Okay. Well, let's jump into these documents. Business coach. You going to coach my business? What would you coach for my business? I mean. Go ahead, coach me. Every time there's a job up, I'm like, I wish it would be a virtual, like a remote job, because I think you could use my services for sure. Great. Okay. So while the 30 of us collaborate in person, we'll have you who calls in every once in a while. I don't need to call in for anyone. Well, I mean, I do have occasional Zoom meetings, but I do all of my stuff. Like, I literally just take over. Thank goodness. It would be even better.

36:15The fact that we would never talk to you while the rest of us constantly talk to each other all day. Wow. Yay. I am a very entertaining person. You would love having me here, but I don't want to move here anyway. That's not what I'm saying. I know, but. Also, we're moving anyway, so it doesn't matter. Okay. It's not a good idea. It's not a good idea? Why? Tell me. I don't know. Why is it not a good idea? To move to New York or to Las Vegas. Yes, I do. Parasocial. Affirm. What's going on with this? Love seeing Affirm to start it off. Back in August when I got the money from the house, I bought myself the purse, but I bought my now ex-husband.

36:53No, no. Yeah, in the middle of you guys still going through therapy because he was diddling, diddling on the side. Side diddling. Just open the relationship or bring in a third. I thought about that too, but I mean. Or just break up. But you don't cheat. Yeah, that was, yeah, it was, it was. So what? What did you buy him? I asked him what he wanted. A gift from my dad. Sorry. This would be a gift from my dad. So what do you want? And he said, a watch. So. Also, that's probably, is that what your dad specifically said? Hey, everyone, when I die, please get everyone around you a gift in my name.

37:29I just wanted to do something nice. They had a relationship There you go You wanted to do something nice Of course You were just setting yourself up And you're like Daddy wanted this I'm sorry Honestly subconsciously I was like maybe this will save the relationship Buying him a hat? Buying him a watch Oh a watch Why did I think hat? Okay Instead of me saying Buying him a watch? Yeah He wanted the watch He's wanted an Omega watch for like Years I was like okay let's do it But I didn't want to spend$8 ,000 So you spent$8 ,000 Of the$50? No I took it out on a firm. So you're still paying for it? You're still paying for the cheater's watch?

38:08Oh, lady, what are you doing? Which one is it? The Omega watches? At a 32.9 % interest rate, you're paying for the cheater's watch. Yeah, when we separated, I said, you have to pay that. I'm not paying it. And then he's like, yeah, I want to pay it. Did you guys ever get back together in a Goonies state post separation? Okay, well, that's good. But you're still paying for his watch. Well, yeah, don't. I wouldn't. No. So it was an$8 ,000 watch, but it's going to cost nearly$10 ,000 after interest. And how are you paying for this? Oh, mommy, that's right. No. Yes. Can I tell you how that works? Do you not know how that works?

38:44Can I tell you how it's supposed to work? He's supposed to pay for the watch. I said, you're paying for the watch when we separate. He's like, yeah, I want to keep the watch because I want to give it to our son, blah, blah, blah. You bought it. I'm sorry. You bought it. Listen, sure, he should pay for it. Doesn't matter. He agreed to pay for it. You bought it. But he agreed to pay for it, but now he's not paying for it. He agreed to it, but again, it's in your name. I'm sorry. Listen, I'm not saying it's nice. I'm not even defending. I'm just saying that's the reality. It's just like you got to give up on the he's going to pay for it because he's not going to pay for it.

39:14No, he's not going to pay for it. So now you're stuck with it. No, I'm trying to sell it. So you have it. I have it with me right now. Show me. You want to see it? Yes. I don't know anything about watches. I have an Apple Watch. So you wouldn't want to buy it? No, I don't have watches. I'm not a watch guy. Brandon, are you a watch guy? Can you tell me if this is a good watch? Are you a watch guy? Wes, are you a watch guy? Oh, he has an Omega. There you go. Wes, can you tell me if this is nice? I like the blue. I'm not a watch guy. It's heavy. Why would I want this weight? That's super heavy. Hold it around me.

39:43Oh, is it a Seamaster? Yeah, it is. That's what I have. Oh, twinsies. How much did you buy for that, Wes? Eight grand. Oh, that's what it costs. Okay, what's it worth right now? Mine? actually no there was like this is like a 1997 version oh wow do you think she can sell that for 8? probably not do you have all the boxes in there? yeah I do just not with me but yeah I do but I have not had 5? fuck okay well that at least that is absolutely not the case okay so first that at least helps though I'm dumb and I took it to a pawn shop and you're right a pawn shop was gonna pay me a thousand for it yeah okay I was dumb for desperation money Yeah, okay.

40:24So that was stupid. But then I listed it on Marketplace because I was like, something. I need something. And then I listed it on eBay as well. And the most people have offered is$3 ,000. I am so glad I'm not into these. And I know they hold value, but I'm so glad I'm not. They don't hold value. Some watches. Some watches. Rolex is different. I'm just saying. But that one doesn't. Okay, well. And that's the thing he told me too. My ex was like, it's never going to depreciate. It's going to only appreciate. We're going to be able to sell it if we ever need to. I'm just saying I wish I was into watches.

40:52Or I'm glad I'm not, because even though watches in general are quite good. 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. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. I would be spending so much money because I get excited about things. He has a giant watch collection.

41:33Okay, good. So you're still paying on this. You're trying to sell it. You still owe$4 ,953. So if you do sell it for$5 ,000 like Wes suggests, you could pay it off though. It's not going to sell for$5 ,000. I've listed it. Oh, it's not going to sell for$5 ,000. Oh, I thought you were trying to say you could get it for more. What do you think it could sell for? Well, I'm trying to sell it right now. So that's from... You're overdue on the Omega watch. Oh, yeah. You're overdue on the watch. It's on principle. What's the normal payment on the watch? On a principle? It's going to hurt your credit.

42:02This shit gets reported a credit now. It does. It did. My credit is lower than probably what you see there now. So why destroy your life? Principle is affecting you. And if you ever want to get on a mommy's house, which, you know, at some point I would love to see any kind of independence in any way whatsoever. No. Huh? Hispanics all live together. It's fine. I'm going to live with my mommy forever. You're Hispanic? Oh, yeah. I'm Cuban. I don't know about that. No, we're very like, okay, well, at least. I'm kidding. I'm joking with you. No, like in Miami. Everyone's everything. Yeah, we got to make sure we qualify whatever we are.

42:32Okay, great. I'm just human. I don't know why we, but whatever. Sure. No, we all, yeah. I don't mind living with my mom. Like, not only she's old, she also needs me. So, like, she helps me and I help her. Okay, so she won't be here for a while. Hey. For very long. No. No, that's sad to think about, but I'm just, I'm sending you up for success. You're not going to be able to rely on her. I'm not paying that on principle. I mean, I did. Okay, so I did. So you're willing to destroy your own. That's for me. I did end up paying it in June. And I also did not pay July, though. But I pay. It's actually, no, it's overdue.

43:02Huh? Oh, what the? Yeah. What are you talking about then? What was the normal monthly payment, you tit? $5.69. Okay, what the? Why couldn't you do that? Because that's a lot of money. It is, but you could be working. A job! Is grandmother able to take care of grandbaby? She's 98. Oh, she's really not going to be here for a while. My mom is 70. She's retired. Who do you think your child's grandma is? My grandma also lives with us. So when you said grandma, I thought you were talking about mine. Is your mother, also known as the grandchild? Okay, why? I mean, she cares. She does care for him, but she works.

43:40You said she can't. She works. You're relying on an old working woman? What is wrong with you? She doesn't want to retire. She's very independent herself. She does not want to retire. She worked 40 hours? Oh, yeah. Well, no. Yeah. It might be closer to... Doing what? She's a mechanical engineer. Dude, shout out to... Yeah, she's smart. Grandma Castro. I love her. She's working hard. I don't know any other Cuban surname. I mean, I thought you were as white as me, so... I'm just going off of what you're saying, girl. Especially when we're all dying hairs these days. Who knows what anyone is? Hi, Alyssa and here, Financial Audit.

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45:05And then three, automate your investing with Acorns. Usually sign-up incentives are only$5, but you get$20 with MyLink. 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. I don't think we got gingers in Cuba, right, Lindsay?

45:39Our ginger? Never mind. She knows ginger Cubans. Yeah, there's gingers everywhere. I know. A lot of Cubans are white, not like brown like they talk about. Don't be racist. Yeah. So if that's the case, that means you're home taking care of the two-year-old all the time. He goes to daycare. How much does that cost? $185 a week. How do you pay for anything? Listen, a daycare 40 hours a week? If he's doing that, you just need to go get a fucking job. You need to get into a career track and try to make something for the rest of your life. Come on, 35, this business is not working. It's a hobby. I'm okay with you still working in this.

46:15Use this experience. Go work for another agency. I know you're so against that for some prideful, annoying reason, but you will get more experience there seeing what a successful company does. A lot of the elements I pull into my business is from things I've done and successful people I've been around. I pull that instead of paying$20 ,000. I'm not saying courses are bad either. Again, we provide good value in ours. There are good value ones out there. But obviously what you've done, you have not been able to translate in the real world. So you need to go work for an agency that has been successful and see if your boots on the ground actually results in something for yourself.

46:50I don't want to. I don't care what you want. No, no, no, no, no, no. No, no, no. This is about the rest of your life and your kid. I don't care about you once. All you're getting is child support. That's the only way you are making anything now. If it wasn't for grandma, mother, and child support, you're nothing. Nothing. Because your business isn't making anything. Because now, because of the thing that is said, and I'm sorry. I'm sorry, okay? I'm sorry. That sucks. I am empathetic of that. We just have to be real world now. Because that's all this conversation is. You're not going to be helped by me saying, I'm sorry, shake your hand, now leave.

47:23no we have to be real and unfortunately you're not able to do the video editing test that you were yeah but I can do other things now wait wait wait put it up with your hand put it down do this you should be able to do video editing because video editing is just this on the right hand it is just this swipe and it's like you have to click the mouse so this is hard not really what What? Because this is all video editing. It's a lot of the tools are used in left hand. Tools to switch between things. Hot keys. The video editing says this. If you can do this and scroll, scroll, scroll, this, this, this.

48:00It's like you don't need any of this. And you certainly need this. So actually, I'm struggling to see why you need these contractors now. Because you can work. I needed them. Hold on. We don't even need to retrain. Come on. I've talked myself out of this. You can totally do it. Look, you're making motions right now. You're drawing circles for me in the air. Look, I. She just pointed at me. She can do anything. This finger works really well, actually. That's the only thing that matters to video editing. On that hand. But yes, I'm doing a lot. So, okay, I cut back a lot of the contractor's hours since I've gotten better.

48:30So I'm doing a lot more of the work. In fact, I'm working 24-7. Doubt? Quite literally. Doubt? Quite literally. Tell me. I work 24-7. Okay, so like, okay, my, one of my clients, for example, she, she's a package. She's on a package. She pays$1 ,000 a month for various tasks, right? But then randomly she'll be like, can you do this for me? Can you do that for me? And I just let her walk all over me. And I just do it. Well, don't. And it literally just, it literally takes so much time. Say I need to upgrade you for this extra stuff. We already did. Okay, then what's the issue? But then she keeps adding more stuff.

49:07Then upgrade more. She won't. Then tell her you won't. You're afraid to lose just a client if you do. She's my highest paying client. Well, yeah. Like on retainer. And that's a dangerous position to get in. If you get one client that runs the entire business, that's not a business. You're someone's employee. Essentially, I kind of am part of their team. Listen, I want to help retrain you some things that you might be able to provide more value. I'll get you an accounting certification through Course Careers. Leverage that for additional clients so that maybe you can be a part of the financial part.

49:40I'll also get you the Fizz card. It's a debit card that builds credit. Use the things that we provide. And we'll also, I have a feeling you probably expensive phones get you on the Helium plan as well for a cheaper phone plan. T-Mobile's good. I have Metro. Oh, good. Okay, so you already got something. But that's good for people out there. Okay, so we got the watch, but I also see 30 % interest Amazon order. I see a train Arise Me 31.45 % interest owing$1 ,662. Well, that was the opening balance. No, I think that's what I... Yeah, 1 ,613. That's what I owe. Okay, great. What is that? It was a fitness program.

50:23Yeah. What? For 2 ,000 what? I actually met her. 31.45 % what? I met her online too, like with our businesses are very similar. She's a coach. She's a fitness coach. And so she helped me. I lost 50 pounds because of her since last, since I got that. So it's helped. It's a fitness program. It's fine, but you're putting it on a firm a 31.45 % interest rate. That's what I'm talking about here. I know. I encourage fitness. I put fitness in the budget. Let's get fit. I couldn't pay it outright. Get more fit. You can work more. You can make more money. You can pay off debt quicker. That's fine. But you put it on insane interest.

50:55When a firm is an option, I use a firm. Well, close a firm then to make it not an option. You wanted to ask the how? The how earlier? You're pissed that I didn't give you the how? Here's the how. Close your firm because it is a dangerous tool for you. You do not know how to use it. You do not know how to use it. Anyone and everyone can have access to a hammer, but if for whatever reason, every time you swing it, you hit your eye, you should not be the one with the hammer. I'm sorry. And you do every single time with this tool being credit. It hurts you. You are being taken advantage of. You are not taking advantage of the system.

51:26So close it. You are not a credit card person. I think I am. I've gotten a lot better. What? Shut the f*** up. I have your firm right here and you specifically just said, if I can use a firm, I use a firm. Shut the f*** up. What are you talking about? What the f*** are you talking about? You don't know what you're talking about at all. What do you mean you're a credit card person? What? What? I used to have a lot more credit cards. I don't give a f*** about what you used to. I see this right in front of me and you just told me if I have a firm, I use it. What are you talking about? Tell me. Huh?

51:59That s*** doesn't make sense worth anything. I actually think it's a great tool for people. You're using 32 % the interest. It's a great tool for people like me who can manage it. For people like these people around you right here, who can manage it? You can't. Who cares? It doesn't matter. It's not some sense of pride that you can manage credit. Who cares? You can't. Use debit. Who gives a f***? But if you don't have that money outright and you want the thing, it's like... Why do you think you're entitled to that? Well, because mommy and daddy have coddled you in your entire life, so no s***.

52:33You think you're entitled to everything, but who the f*** are you? You have a child. Think of your child. Building up debt, not being able to take care of them. And all of a sudden, they're going to be taking care of you like mommy's taking care of you when you're trying to retire and you don't have enough money because you fucked up your entire life and just prioritized your own fun. Yeah, that's what you are, a leech. So, fuck you. Why do you think you can spend money that you do not have? Who are you? But it's for fitness. It's not like it's for fun. No, no, no, no, no, no, no, no, no. You're saying if you have a firm, you use it.

53:00I'm not talking about the actual purchase itself. Well, I haven't made any new firm purchases. I don't fucking know. Oh, all I know is you have it. And it was from a couple months ago. No, that was a year ago. This was a... 2024. The Amazon was a whole year ago? Yeah. That's insane. The main issue is you said if I have the ability to use a firm, I will. And you specifically also just said a few sentences ago that if I do not have the money to afford it, then I can do this. Yeah, because it's a better option than... So do you not understand how you, you're wrong. You're a leech. You're a milker.

53:34But I'm paying those. It's not like mommy's paying them. What do you do? Like I pay them monthly payment. No, you don't understand. Colton, may I have the whiteboard and a pen?

53:47Thank you. Oh, God. What? I'm just nervous. What are you doing? You! All your money! This is your money you have to spend. Now if mommy takes care of all these necessary expenses like lawyer, rent over your head, utility, whatever. Yes, because you're living under her roof. Shut the fuck up. Absolutely. She is taking care of that. We don't have a mortgage. She's taking care of that. You are living. Oh my, she doesn't understand. You living with her is making this so you don't have rent. She takes care of her lawyer fees and she takes care of some other fees that you talked about. Okay, very good.

54:25So it's this. That allows you to spend this double amount. So mom taking care of this is making you allowed to spend this. So she is still paying for this. That is how the math works. Do you understand or has the Cuban education system failed us? What are we doing? Do you understand? Yes. Thank my goodness. Cause I did not want to break another marker. I've been buying way too many. Being late on your firm is not spying your ex. It does not impact him. It doesn't impact him. only impacts you. You're spiting yourself. So what is the minimum monthly payment for that? Because the total you owe on a firm, by the way, is $3 ,324.43.

55:08What is the minimum on the watch when you normally pay it? $5.69. I think the other one's$90. $90.83, yeah. So your minimum monthly payments to a firm are$659.83.

55:27Well, we got through a firm. This apple cart balance is insane, dude. It's higher now. Like a lot higher. You're doing a Spain trip with mom. Are you affirming that? What the f***? My mom will affirm that. Your mom affirmed it? I doubt she will. No, are you affirming it? She's paying for the entire Spain trip. You're such a spoiled brat. You've never learned a single skill in your life, monetary-wise. And that means when they are gone, you are f***ed. You will blow through all the money. As you do now, you are going to be destroyed, which means your kid's life is going to be nothing but stress because their mother has refused to learn any f***ing skills or sacrifice anything.

56:09And they're just going to see nothing but stress, stress, stress trying to pay bills. And that's on you. Disgusting. Disgusting. That's why I'm here. That's why I'm here. Shut the f*** up. Every time I taste something, you push back against it, you little tit. Oh, big guy, you have$101 ,353 of debt, and none of it is a mortgage. Damn, that's the amount? That's the amount? Damn. Yes, it is. That is true. Now, we know what comes in, by the way. It was$2 ,600, which was Zeldin last month. Okay, very good. How much was spent last month? $3 ,000? Okay,$7 ,284. You are broken, and it is only because of - That's actually crazy.

56:52That is actually crazy. I agree. Well done. All because of mommy. Mommy's taking care of it. You know, I'm not dumb like other people when they're like, oh, I didn't realize you took in the credit cards and stuff, but. Everyone always thinks they're better than the other guests who come on the show. No, that's not what I'm saying. But anyway, like, I didn't even know I had that much credit, like, on my other accounts. Like, what? How did I spend that much money? There's literally no. Okay. Okay. Apple. What's going on with the Apple card, lady? I opened it to get a MacBook Pro back in Oh, because we super needed it for our business Yeah, I mean You could have done fine with the MacBook Air, I guarantee you They're not that much more expensive, I don't think MacBook Pro Unless you got the base model of, again, what's the point at that point?

57:35Either way, I don't use it very much Oh, who would have thought? Because I have an iMac, which I need a new one Oh, you dumb tit You absolute dumb tit Oh! I hear it's over the limit Yeah, it's over the limit Pull it up! I heard it's gone up. Pull it out. Apparently, you just buy AirPods, lose a set, buy AirPods, lose a set, buy AirPods, lose a set. You just give. Oh, my goodness. Yeah. It's over five. Yeah. So the limit's five and we're just at about five. What's your minimum load on it? I don't know. Well, it's probably like 250. I'm going to write 250. Yeah. It doesn't really tell you very much, but yeah, I have a lot of Apple.

58:13Apple. How long does this take to pay off if you only make your minimum payments only without purchasing, which you're incapable of? But go ahead, how long does that take? 13 years? 19 years. So... I wasn't that far. Great. You'll be mid-50s, headed towards retirement, and there is your... By the time this is paid off, and again, your kid will be out of the house. Your kid will be 21. He's going to stay with me forever too I hope for his sake not Because this clearly has not benefited you In any way whatsoever Pull out your phone for me Oh yeah so many finance plans Apple store, apple store, apple store, apple store Probably a bunch of ton of airpods Yep I lost a pair of airpods at the hospital When I was getting my gallbladder removed So I just bought a new pair So stupid $109.14 in interest this month So far,$522 this year, 26.24 % interest rate.

59:14But of course, this was a couple months ago. And now it's higher. Pull up your phone. Yeah, it's higher because I paid my team from it. Paid your team from a credit card. Yeah. Your business is a failure. Go get a real job. I needed that team member to do that thing for the client. Your business is a failure. Go get a real job. Your business is a failure. Go get a real job. Accept it. Grow up. Go provide value in the marketplace. because the market is not finding you to be valuable. It is. I just don't manage it. No, it's not. At the peak, you made$30 ,000 a year after six years. Go get a job.

59:46Yeah, but I'm - You are a mom. Go get a job. You're not someone grinding. I am grinding. No, you're not someone grinding in their early 20s who has nothing to lose and no kids. You have a kid. You have aging parents to take care of. You have responsibilities. You need to grow the f*** up. Yeah. Yeah, you did. you paid. There's also, oh, by the way, two TikTok charges this last month. Two TikTok charges. Yeah, TikTok. Not cheap. $43.85 and then$9.26. You. The Burlington Coat Event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of 25 or more from December 6th through December 24th.

1:00:29Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. Let's see what subscriptions she has. yeah the subscriptions are oh my goodness they're endless they're endless some of them are not active they're endless some of them are I canceled AppleCare Plus for iMac Apple One Hatch Sleep, Headspace Mental Health Honestly, Wellbeing Coaching iCloud Plus, Instagram for Instagram, iTunes Plus Notably Smarter AI Notes Recipes, she's on the T-dating advice app where men are doxed and men have been lied about.

1:01:23Listen, that's super helpful. I'm sure it is. Guess what? Do you know how many reports of literal false information have already been applied there? So you find it helpful that there is literal false information? If five or six girls are saying the same thing, then you know that's real. No, no, no. Have you? Dude, I've had things said about me on the internet and people dog pile. They read one little thing and then someone regurgitates it as slightly more established and then someone regurgitates that as it's slightly more established. and then all of a sudden sees that and they're like, even though one person was like, you know, I think Kayla may have done this one time.

1:01:53It gets regurgitated five times and then people read it as the truth. You have no idea. You're a public figure. No, this is what happens on the app. This app has been studied and it's just as bad on the guy side. There's a guy called like Tea for Her Now or something. Yeah, I've heard about that. It's just as bad. People are being doxxed. False information is being said. There is a good intention behind it. You can never be too safe in the dating world nowadays. Okay. I've also paid for background checks. What's the safety you're concerned about? But they're pieces of shit like my ex. Safety. You got...

1:02:23That's not safety. Well, yeah. I mean, like, if there's something about him on the app, I always check the app. You can never be too safe. There's so much literal proven false information on there, but it goes unchecked. Okay, but I'm not going to... Because people are able to say anything they want without any moderation. I'm not going to take what I see there and, like, take it, like, completely... That's literally what you just said you're doing, and that's what everyone does on there. No, I also do, like... This is a bad app. This is bad for society. It is not a bad intention to keep people safe.

1:02:48That is not it. But it's dividing us even more. There is a massive gender divide in the dating world right now where it's just like enemies, victims, and all this stuff. And these over-sensationalized stories about everyone and false information out there. It is crazy and you're adding to the divisiveness. It is bad for society. It is not bad that people want to be safe. But remember, in all reports, even from the CDC, violence reported in romantic situations are equal upon men and women. Sexual violence among women is reported at a 30 % higher rate. But you also have to remember, men do not report sexual violence.

1:03:22This is, do not over-victimize yourself and help destroy society while doing it. Sick, it's a bad app. It is bad for our culture. It is not bad that you want to be kept safe. But it is bad for our culture. Whatever you say. Disgusting. But truthfully, it's not that big of a deal. Like, I don't. Oh, hey, guys, if people get your careers ruined because of false information, not a big deal. Q. What? But if they do something, they should get, like. I vibe with that. But again, there has been so many reported cases of false stories. It's crazy. I don't know. I like the safety, I guess. I don't know.

1:03:59But either way, like. It's perceived safety. None of the guys I've dated have been on there. It's perceived safety. It doesn't even matter. It's perceived safety. You're right. fine. Whatever you say. You're actually paying for it. You're supporting something that is adding more division. It's active right now. More division among society. Again, it is not about, it is a bad thing to be safe. It is not about that. I encourage that. The fact is, it is non-moderated, so people can say anything, and there have already been so many reports of guys finding out things have been said about them that are vehemently incorrect that they cannot dispute, and people are going to lose jobs.

1:04:33People are not going to be accepted. It's going to show up in people's background reports. and it's disgusting. And there's a massive gender divide in our dating world. Dating right now is f***ed up. I agree, for women too. For women too, yes. I'm saying the app made on the other side as retaliation of that is equally f***ed up. It's f***ed up for everyone, but why add to the divisiveness? Again, because it's f***ed up on one side doesn't mean let's go be extra f***ed up. And if we keep doing that over and over again, it's just going to be bad for everybody. I'm lucky I have a girlfriend and we're looking forward to that future because good f***ing luck.

1:05:05it's crazy right now you are lucky I don't like dating at all but like it is what I have to do to make sure I'm safe I don't know perceived safe I don't know what the you think's gonna happen I mean it's not like I'm gonna go if I see a guy that I'm dating go to their job and be like this guy sucks fire him like I'm not gonna do that like I just won't date him that's it

1:05:29it's not about the concern for safety this is bad for society pretty objectively. I actually didn't know that they were false reporting. What the f***? People can anonymously say anything? You don't think any false things come out of there? I've had so many people say false things about me. I have heard people You're a public figure. It's so different. I just think that on this T-app, it's like, oh, he ghosted me or some stupid s*** that nobody cares about. It's like, okay, I don't want to be with somebody who's going to ghost somebody, so I'm not going to be with them. It's not like, oh my god, he r***ed me.

1:05:57It's not the same thing. Okay, I'm just saying, if a place is unmoderated, that is bad for society. Because it's unchecked. It's unchecked. That's it. Okay. I guess you make a lot of sense. I actually didn't know that. Now your picture is going to be online somewhere. Could he? I mean, it does suck, but it is what it is. So you can go post people's pictures anonymously without any verification whatsoever. And it sucks that your picture got posted? I don't know if you're going to change my mind about this app. Like, I just think that it's an important app to have when you're dating. good luck everyone out there dating you're never going to find anyone this is getting worse and worse okay after pay this is what's interesting you're trying to vet people like crazy however what we're learning here is you're only milking your family for money you're incapable of being independent whatsoever and no one will be able to find that information online oh wait now they can I think people need to be more concerned about going on a date with you it's okay I'm not looking for anything serious so it doesn't matter so you just so you're just the T app okay great all this makes what a sane dating world we live in right now I'm so glad I'm out of it okay after pay you owe that's okay this is paid off every month no so just the statement I had yeah that's just like it's paying for so like whenever I buy something that's my criteria is like if it's over$100 and they offer after pay or clarina let's do paying for because it's easier it's so stupid I just don't get it 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.

1:07:59Our call-in show, Hammer It Out. Then take the train! And brand new shows, Fat and Fatter. That is... I would go off brand. Behind the audit. This was wild. Shop smart.

1:08:19And 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. No fees, no pass-through. That's good. And you owe, yeah, so you have to pay it all. Yeah, you have to pay it all. There's no interest. It's four. No interest, but there are, if you don't pay, then you get. But I have to not pay. Right, of course. We don't have an example from the last statement of when you never pay. I don't, like, that's principle. yeah we'll see but it's principle that's hurting yourself I guess I just don't like I mean I pay it eventually when I get the money but it's just like it's that's a huge payment it's a huge monthly payment it is but you're spending no shits you're still spending money like crazy what is this so there's Sephora on here oh yeah makeup is my thing I might have to bleep this but what's Orandia Oh, that's my jewelry.

1:09:26Oh, then I do not have the bleeper. So jewelry, pop lush, Sephora, jewelry, pop lush, little sleepy, so it's all bullshit. So you think I have any sympathy that you struggled to afford to pay something? No, look, you're spending all the money on bullshit. That is 350 bucks, just about, that you spent that could have gone to something else. So you, sympathy gone. That is your choice, living under mommy, milking her cards. Yeah, but that's paying for. So it's like less at a time. Oh boy. Guys, report this on T on her. She's a moron. Save every guy out there. She'll drain your money. The guys I've dated have not been wealthy themselves, so it's okay.

1:10:04Your ex is a piece of shit. I'm not defending your ex. He cheated on you and he left for someone else and he's abandoned his kid. Your ex is a piece of shit. Just because I'm pooping on you for also not being great in many areas is not me saying he's good. And just like me being against that app is not me saying that I don't support people trying to get safety. Okay? This is, it's the lack of nuance that we're able to have in conversations. What would you do to do like a background check, like a normal background check on like for dating or like, because that's still pretty invasive, like either way.

1:10:31It's less about that. Again, it's not about the desire for safety. It's the action of the app and the consequences that is being had from it. I hope you understand what I'm trying to say. I do. I just never really thought about it that way. And you're supporting that system. Quicksilver.

1:10:46So what's going on with the Quicksilver card? Is this paid off every month? That was the intent when I opened it. Of course it was. Well, it's maxed out just about$1 ,830. The minimum monthly payment was$25. 13 years to pay this one off. If you don't purchase, oh, she purchases. $3 ,204 to be exact in the last month. Yes. You don't even know how much you purchased. But that's over the limit. How is that even possible? Because you put a payment towards it to begin with in the month. But you just brought it down to the max. That's all you did. What did she do? Laser away. Flint's Mr. Brooklyn. Thought you hated it.

1:11:27Area 52. Also thought you hated that. You talk trash about Nevada and New York, so whatever. Sorcerilla Charlotte, North Carolina. It's all bullshit. TikTok shop$353. TikTok shop$31. TikTok shop$42.69. What is wrong with you? What are you getting? Wait, how much on TikTok shop? Total about$210 or$410. What the f*** is wrong with you? How do you not know that? I did not realize I spent... Oh, yeah. Show me. Pull up your TikTok shop. Show me your purchases. What the f*** are we doing? And then COT, whatever that is,$703. What's that? COT. That's probably short for something... How much? $703.59.

1:12:10You don't f***ing know what that is. That might have been a hotel for my situation ship at the time. Huh? Tell me. What the f*** does that mean? Tell me. Tell me. Yeah, so. You're out there just sucking, aren't you? We support it. We support it. We embrace it. We support it. We're not advocating against that. He was the guy I was dating for like four months until he ghosted me, but that's besides the point. Yeah, but he, like, we were exclusive at the time and he also lives. You went into death for that? He also lives at home. So we don't have a, we didn't have a place to be alone. So I would.

1:12:44Oh, it's almost like you're 34 years old living at home. How old is this guy? 31. Okay, so it's just a bunch of failures. Yeah, a little bit. Clapping cheeks. Okay. Failures got to clap cheeks too. I mean, you got to do what you got to do to like have fun. But yeah, I'm pretty sure that was a hotel. Are you just out there like, are you looking up like wild? I wouldn't say wild, but. How frequently? That's a personal question. It damn is and I want to know. That's a personal question. You don't want to answer? I mean, so he, I wasn't looking for anything serious with, and then he came along. You're diddling.

1:13:22No. How often are you going out there? Now? I mean, like weekly. Sure. Hey, okay. Sometimes they're repeats. I have a friends with benefits. Well, dude, look at her. I have zero emotional connection to that guy. Like I don't even. Yeah, it's a friends with benefits. He's just, yeah. No, I support you. I'm glad you're at least getting out there and living. It's a fun time. Yeah, yeah, yeah, yeah, yeah. It's a fun time. But yeah, with this guy, like I wasn't looking for anything serious, but then we started, like we liked each other like a lot. Don't get pregnant. Show me your TikTok. No, I'm not.

1:13:50You just can't afford it. Okay. Yeah, you were not happy that he ghosted you, were you? But I'm sure you've ghosted some people. Come on. No. Well, yes, actually I have. But not after four months of dating. Like that was... Yeah, that is. It sucks. It sucks. I think that hurt more than my divorce. I literally like needed therapy. Because it was more fresh probably? No, like it was a lot. But you saw that the divorce, you saw that coming for like a year. Yeah. The ghost hits like that. Yeah, it was like literally a ghost. Ghost hurts. He texted me the day before and we had plans that weekend. I actually bought an Airbnb for us and he ghosted me and like the Airbnb went to waste.

1:14:25Yeah, you went into way too much debt for this failure, but. Yeah, it was. So we got some makeup, some lifting thing, I think some deodorant, some hair. Yeah, you got hair. So like a hair clip or whatever you got, clips. It doesn't look like a clip, but a dress. We got our dress off as TikTok shop. They're really good. They're like, they're actually really good. I'm glad you don't make any money near the home in New York Times. So here's the thing about TikTok shop. She has to look good for her daily date. Hey. I'm not criticizing. Get out there and goon. Goon away. Dude, I was a prime gooner.

1:14:58Before I was in a relationship, I was gooning hard. I never got to do this, okay? So like I was with this guy since high school. Just make sure your micro-influencer doesn't become like big influencer because oh boy, they will come for you. I'll tell you that. Oh God. But so with TikTok shop, I actually do make money off of it. slightly. It's not a lot. Sure, but you're spending in just that card alone where interest is occurring at 30%, which you can't pay. So those are... Okay, you got some hair. You got some hair. I think some hair. More hair? Makeup stuff. You got a washed shirt. Refund issued for something.

1:15:34Tango bird item. I don't know. The pictures are really small. Some clothing. Some pumpkin boots. Slippers. Yeah, I love Halloween. I guess it's coming up in a couple months. Yeah, because I'm trying to promote those slippers so I can make my commission. People are buying things for Halloween now. Okay, lots of just things to go on the face and hair and then clothes. This is crazy, man. This is just so much bull. It's all bull. To be very clear, it's all bull. TikTok shop, what are you going to buy that's not... A waist measurer? Oh, yeah. I wanted to see my measurements. Okay, I'll see your measurements.

1:16:09Okay, good. But it's not tracking. Okay, good, good, good. Gotcha.

1:16:16Okay. Yeah. This is a bunch of bullshit, to be honest. A bunch of bullshit.

1:16:26I don't know, dude. But I do them as... See, a part of this conversation is a bit of a concern because you're in the messy part of a life. Yeah, I'm kind of going crazy. Yes, and I see that. And I always go loony after a ghost or a breakup or something. I get it. I get very emotional. I'm an emotional person. And I'm very gooning in between for sure. So I get that. But I think your head is in a bad place more than just money right now. Oh, owed to mom$7 ,000. What the f***? What is this? So she has a credit card that I'm also on. Okay, this was not me. You're a child. It was not me. It was literally not me.

1:17:09So two years ago, my ex-husband, so he traveled a lot for work and I gave him the card. He went to Israel. It was right before like things got really bad there. Cancel her. That's the worst thing a micro-influencer could do. Yeah, he was like a newborn at the time. But he kept saying, oh, it was for him. It was for him. And I'm like, that was not our credit card to use. It was racked up to$13 ,000. but she had her own what's the minimum on this are you paying it I'm not I feel like I owe her that yeah you owe her for that what is the minimum on it I don't know because I mean she's paid it down since then it's about dude your mom you're making your mother go work more than you work by the way just to pay for your ex husband who cheated on you who bought gold for a zero year old what are we doing wait your mom is giving it to you to buy a new computer because you keep complaining?

1:18:09Oh, you are an infant. I haven't gotten that kind of treatment since at least 21, 22 years old. Yes. Like what? You are being treated as a college student who's trying to figure out their way. Like, what are we doing? You are, this is disgusting. This is disgusting. This is disgusting as a 34-year-old. You need to know. I don't know your entire brain is on. What? We suck in that night. I get it. That's fine. My brain was on that nine months ago as well. No, I suck in. We're not against it. Well, I am against it. Fuck. Okay. Hold on. It doesn't matter. It doesn't matter. In terms of what flaps I would...

1:18:46Okay. Oh my God. I get it. I'm trying to say I understand the mindset you're in right now. But come on. This doesn't mean you need to be infantile in every way whatsoever. Why should mommy be buying you a new computer when you have two? Set up your MacBook Pro as your main guy with a monitor. I like the iMac. But my iMac doesn't have enough memory. So my plan is like it's a good new iMac. Yes. The iMacs aren't even close to the best Macs out there. No, I mean, I spoke to Apple and they were like, yeah, that's probably the best. You should have spoke to Apple. Come on. Listen, I'm obsessed with Apple products.

1:19:21I'm a little Apple gooner. Okay. No, don't. Don't set up your MacBook Pro with a monitor. Get a keyboard mouse. So much cheaper. You'll be fine. I mean, if that's the case, I'll just keep the iMac I have. It's just I spend more time deleting files because it's running out of memory. I do a lot of video editing. Storage, not even memory. You're talking storage. No, because even the external hard drive I have is a two terabyte. And that's like not running out of memory, but it's like the main computer. You don't know what memory is. You're running out of storage. Okay, fine. Storage, whatever. I don't care.

1:19:51Your external storage, so it doesn't have enough space? Correct. The larger one? No, no, no. My external one has enough space, but it still keeps making me delete files from the computer. And I'm like, I can't delete any more files. There's nothing else to delete. And now it won't even update software. And she probably bought a MacBook Pro with 500 gigs of storage. Oh. Yeah, I want to get like a two terabyte iMac. That's my goal. So it's like$3 ,000.

1:20:18That mom would pay for. You are a child. The goal is to pay off the Apple card. You're a child. Spend less time on Tinder, more time on LinkedIn. Go get a job. You know, Facebook dating has been. Facebook dating? Oh, you're a boomer. Yeah, it does feel like I'm a boomer. You're only four years older than me, but you're full booming. Yeah, no, it's a lot better than Tinder and Hinge for me. Anyway. So weird. So weird, man. Okay, what is this? What is owing$1 ,118 on? What is this account? That looks... Citizen Bank. Oh. Apple loan? That's my iPhone. One of them. Don't tell me you have a business phone.

1:21:03Okay, but... You dumb... I... You dumb... Don't tell me you have a business phone. It's not my fault because... It's your fault. We had a... We had a... My ex and I, of course. Yeah. Always the ex and I. Okay, because he also had an iPhone, though. We both had it together. Like, we had... Well, we had separate ones, but we both... There were three... There were two phones. And he's like, I want the little phone that you have as your business phone now. So please give me that one and we'll get another one for your business phone. What are you talking about? Dude, I run a multi-million dollar business.

1:21:30I have one iPhone and it's cracked to f***. What are we talking about? Yes, but... You don't have to post on Instagram for 15 clients and I need 15 accounts. What do you think we do here? 15 different clients. Huh? 15. Brandon thinks. That's mean. He'll tell you on the post show. He'll tell you to your face. That's mean. It's because it's the most insane thing. You don't think we do social media? I know, but you don't do it for 15 different clients. No, but we do the amount you do for 15 clients. on one account probably. Yes, but you don't have to log into 15 different accounts. Buddy, it's tapping two buttons.

1:22:10I have multiple accounts on Instagram. We have the Hammer Squad. We have me. And we're probably starting some more. I know what it takes to switch accounts. Do you think I am literally nine and getting my first phone? There's a limit as to how many you can have on one phone. Also, by the way, on the computer, you can log into all and do most things from there anyway. I need that for me. And also... Hey, one of the iPhones,$1 ,181.50. Only$69.50 a month. Okay, so this other iPhone's at$486.50? Sure. Okay. Wonderful. It's a very weird conversation. So, yeah, that's part of the iPhone upgrade program.

1:22:50So when the new iPhones come out, I just switch them. He's a handsome guy. Brandon, you're a handsome guy. I tell you, he's a handsome guy. Yeah, I used to, like, not be into him until you brought him more on the post show. Yes, I also have Hammer. I have Hammer Elite now, actually. Well, at least you got it for free last month, right? Yeah, I did. Oh, good. Student loans for what? $78 ,754 for what? I have a master's. In what? Music education. You're one of me. I am. You are.

1:23:25Oh, the goal is to be a professor. Well, yeah, but you got to go all the way for that. Yeah, I didn't like after teaching, especially when I moved to California, teaching in California, that made me want to stop teaching. Yeah, but college students are better. They are. But yeah, I got out of teaching right before COVID. I don't know. I just I would have killed myself if you were my professor. Why? I'm the best. My students loved me. I taught middle school, though. How many of them did you groom? Oh, my God. Don't say things like that for real. Don't say things like that. I'm kidding. I'm kidding.

1:23:58But also, like, we still talk to this day. Like, we, they're grown now. The youngest ones are, like, 20-something. Like, I'm old. Like, I've been, I was teaching, I started teaching when I was 22. So, like, 12 years. Does that math work for middle schoolers? Yeah, 12 years. They're, like, they're 20-something now. One's in law school. Like, we keep in touch. It's cool. Keep in touch. They're girls. Like, we're homies. What, are you against the tits? No, I'm not. But, like, no. I was going to say, every woman I know is bi in this world. There's not a woman that is not by, I swear. I can appreciate that, but there were my students.

1:24:31That's a very weird conversation. This is turning weird. Go back. I'm just going off what you're saying, dude. So yeah, student loans. For a master's degree in music education, now you're a failure at home. This is, see, I went in originally for music education. These are the two paths, apparently. There's probably another path, maybe you just become a music teacher, but these are the extra two paths. I'm glad I'm on this side and not this side. cause whoa to be a

1:25:03meet the computer you can talk to with Copilot on Windows working, creating, and collaborating is as easy as talking got writer's block? Share your screen with Copilot Vision to help spark inspiration and use Copilot Voice to have a conversation and brainstorm ideas or maybe you need some tech help with Copilot Vision, Copilot sees what you see let Copilot talk you through step-by-step guidance so you can master new apps, games, and skills faster. Try now at windows.com slash copilot. You know, ride the raft from Cuba for this? Oh my God. My parents came legally. Well, we embrace everyone who comes from Cuba, right?

1:25:44Because it's one of those countries that we just... Not anymore. Not anymore? Wetford, dryford doesn't exist. I don't think. I don't know. I could be wrong. Not my thing. $78 ,754.95 They're in forbearance? Why? Because of the laws, I know. That's done now. No, you talk about that a lot on the show and I am always like, oh my God, what is he going to tell me? So yeah, no, I have like a letter from them saying it's in forbearance. Until? Zero clue. But I know that... Because starting up now, people are starting to get garnished. I have not gotten notifications. Listen, you can get on the new repayment plan, new low income repayment plan through the bill into law, the big, beautiful bill.

1:26:28That one. I don't think it's officially called that, but that's what we all know it is. But yeah, as small as I think 5 % of your income, which isn't bad. You can get on that. Can I? Because like. Well, you make nothing. So yes, you should you be able to? No, because I say we should force her to go work because we're enabling her. Yeah, because I was expecting my. To do her hobby. Monthly payments. I'm okay with you having a low payment if you have a low-paying job. You're just refusing to get a job in your hobby, and then we're going to support that? Great. Okay,$320 in this checking account.

1:26:59Yeah, your normal payment would probably be like$800. That's what I was expecting. It was your choice to get a master's degree in business. I mean, that's what you chose to do. I don't know. I know it was dumb. Google G Suite, Google One, spill the taco. Okay, some bull****. I'm too crazy. More TikTok shop, TikTok shop, TikTok shop. $113 in this. Apple bill, Apple bill, Zelle payment Apple bill, Old Navy, Old Navy Apple bill, Fandango, Clark liquor I'd have to drink every night to get through this shit too Oh my god, that was also for my situationship Oh my god Why, he needed to be drunk to Hey no, but we had a good time Just asking We had a good time I wish I did Now you're finding 20 year olds for it It's not that big of a difference He was 31 Huh?

1:27:47Huh? He was, what do you mean? Well, no, sorry. I just don't know what you mean. I was making a joke and then you're like, I don't know. And I, you know, I'm going to talk$200, Apple Bill, Nespresso. I mean, I don't know the fuck what any consulting adult does. I don't know why. We over-police online. It's so confusing. Nespresso, Bula Gables, Stan Total. It just works. Malees, SP Vora, Colorado, Apple Bill. It's so much. You got, well, this isn't our YouTube membership because it's only. Okay. So you have a different one as well. Wait, if it's Patreon, it's something else. Well, there's a Patreon as well, but that's not our Google membership because, again, Hammer at least$10.

1:28:23Oh, because that was, yeah, that was me. That was both right. Well, he started at the bottom tier. Yeah, he did. I've been watching the post show for a while. Zellin, out money, TikTok shop, TikTok shop, TikTok shop, growth therapy, Klarna, Airbnb. That's the Airbnb. Growth therapy. Airbnb, yeah. Columbus, Ohio? What? You went to Columbus to take some... That was Klarna for the Airbnb. What is Klarna based out of Columbus? Maybe. Yeah, that's what it is. And then Airbnb. Okay. Good. Because Ohio is not. That's not the shit they're known for. Women of the world. Women of the world. I've never been to Ohio, but whatever.

1:29:01The options aren't great here. Let me tell you. I changed my location on Hinge to here. But it wasn't. It's not. Trying to find Brandon. It's not. I'm not going to lie. That crossed my mind. But okay. Brandon, she wants you. She literally wants you This predator wants you Oh my god You're not unattractive I don't think you're Brandon's type Brandon likes lots of makeup Endless lip filler The fakest boobs and BBLs you've ever seen I have lip filler Oh you're almost there You got fake boobs? No I don't I don't need fake boobs Nah he prefers them fake regardless The faker the better Okay,$7 ,000 in this retirement account.

1:29:43Certainly, definitely behind for your age. $3 ,000 gone down from$4 ,200 in the savings account. That's disgusting. You're selling out money, so the savings going down to zero, and that's the leftover from the house, right? Then$670 in this crypto account. Okay. That was$1 ,000. Brandon said you're not ugly. Yay, thanks. So while we're going and getting a budget, what is your intent here? What do you want me to do? Because how am I budgeting off of$0? What can I do? I mean, yeah, this was my concern too, coming here. No, but what's the hope? Let me help you with something. What are we trying to do?

1:30:18The hope is that I can actually make the business work, even if it means not having contractors for a time being, unless I absolutely need them. Your minimum monthly payments on things is approximately$950 on a loan. And if you're bringing$2 ,500 with no overhead you can, how does a grocery and utility situation work at home? My mom. literally does everything. Of course. You are a child. Listen, but that gives you more flexibility, thank you, to do the business. That gives you more flexibility. All you need is$1 ,000 to make your minimum payments. Other than that, you need nothing. Gas from Drive Drive?

1:30:5150 bucks a month. Yeah, I barely go anywhere. You need$1 ,000 to survive. So what is the struggle with the business? Get back in there and start clicking and editing. What are you struggling with? What is the issue? I'm telling you I work 24-7 already. Then can I give you actual advice? This is the actual advice I would give you. And you just won't like it because it's not the, and you came in for a specific answer or a round. What I would recommend is what I already said. Continue this on the side. Make sure you get into a position where you can do some competing or where there's not a non-compete with this.

1:31:27Go work for an online marketing agency. Use your skills, leverage them that you've built this into something that does generate revenue for what it's worth. It is a little more than a hobby. I was discarding it earlier, but it's not a successful business. But go that you've done this and built this. Leverage those skills. Go work in a marketing agency. Do a couple years boots on the ground. Pick up as much as you can. Make sure you do this on the side and then pursue it again if you want to. But you got to pay off the debt before you do that. You have to have a 12-month emergency fund before you do that because you have risk over your head while doing this business.

1:31:58Luckily, mommy is there to save you and grandma is there to save you. But besides that, you just need to go get a job and build up these skills. This business is not a success in two years. Six years of this is this is not good. So that's what I would recommend. You need at least a thousand hours to make your minimum payments. We got that. OK, and listen, you need to pay off the other things like crazy student loans. You need to get on a payment plan eventually. Mom, yes, I would take care of that, but it isn't the highest of priorities. But I would tell her that you want to at least pay it back even more.

1:32:27Even if she pays it off, you want to give her some more to make up for it. But that's what I do. Go get boots on the ground. Go get experience and then try to build their business on the side. This is not working. The only reason you're allowed to do this is because mommy and daddy, or mom take care of you and dad did. Okay. That's what I recommend. All right. Hammer financial score. Join us in the post show. I'm going to call her ex-husband. I also think I'm going to look through the text of the guy that ghosted her as well. Lots. This is going to be a good post show. And then I'll let Brandon confront her as well.

1:32:58So many things. So join Hammer. Leave below. Let's get our hammered financial score. Spending in a budget. Overspend, 0 out of 10. Debt. Oh, was there a collection? The family debt's really bad. Behind on the affirm, but technically no collections or IRS debt, so I'll give you a 1 out of 10. Merchancy fund, it's going down, but you're at about a 2 out of 10 with that 2 ,000. Retirement, definitely behind for our age dramatically. At least you got something there. About a 2 out of 10. Real estate, 0 out of 10. Because you are not on the title or deed of that house, right? No. Yeah. Okay. It's going to be a Hammer financial score.

1:33:31One out of ten. Join Hammer Elite below. Best membership on YouTube. Three premium shows posted today, Monday through Friday. Join us for the post show. This is going to be a good one. Hi. I honestly just wanted to ask you a candid question. Why did you cheat on ****? Who is this? My name is Caleb. Caleb, okay. Can I help you with something, Caleb? Well, I've just personally never had a child and then **** someone else when someone just gave birth to my child. Oh, my God. exclusive members content click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content hey ryan reynolds here wishing you a very happy half off holiday because right now mint mobile is offering you the gift of 50 off unlimited to be clear that's half price not half the service admit is still premium unlimited wireless for a great price.

1:34:22So, that means a half day. Give it a try at midmobile.com slash switch. Upfront payment of$45 for three month plan equivalent to$15 per month required. New customer offer for first three months only. Speed flow after 35 gigabytes of networks busy. Taxes and fees extra. See midmobile.com.