Pampered Princess Thinks Poverty Is Easy | Financial Audit

24:23Average first month credit score impact of plus 25 points. Vantage score 3.0 between January 2024 and November 2024 for kickoff credit account users who started with a score below 600, who purchased at least one item with credit account, and who paid one on time in their first month. The payments may negatively impact your credit score. Individual results may vary. Thanks again to Kickoff for sponsoring. Let's get back to the video. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar.

24:47That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

25:22Download it now, start the free trial, dollarwise.com. Link in the description below. Too long. How long have they been asking? I hit the alligator. Spoiled brat. I hit the alligator in August. What the f*** is wrong with you? You don't pay for it and they just want to make sure it's okay and that you're safe. What is wrong with you? Then you feel like you have to get the hair did, nails did. You can fit a lot of these things in the teepee fund. It will be doing your own nails. Yes, you can put makeup in there. Tampons, oh, they fit. I don't need to put those in there. Okay. She's bloodless. Well done.

25:58Thank you. That is cheaper. Yeah, it is. Pink tax is. Yes. Horrid. Pink tax is a thing. You can fit it in the TB fund for minimum survival. I've seen people complain about it. I don't give a f***. They don't understand that it's a survival budget. It's not the rest of your life budget. This is a getting on a debt and getting a fully funded emergency fund budget. What do you consider to be fully funded emergency fund? Six months of living expenses or 12 months if you own your own business or if you're an independent contractor, potentially 9 to 12. Okay. I was just curious. I wasn't, I didn't know what you, because I feel like.

26:30So are we aligned or are you still dumb? Six months makes sense to me. I. K-pop Demon Hunters, Haja Boys Breakfast Meal and Huntrix Meal have just dropped at McDonald's. They're calling this a battle for the fans. What do you say to that, Rumi? It's not a battle. So glad the Saja boys could take breakfast and give our meal the rest of the day. It is an honor to share. No, it's our honor. It is our larger honor. No, really. Stop. You can really feel the respect in this battle. Pick a meal to pick a side. Ba-da-ba-ba-ba. And participate in McDonald's while supplies last. $100 for highlights,$160 for a cut.

27:09That's crazy. Yeah. Come on. You don't need this for survival. I do. Look like every raggedy ass b**** that's in South Carolina. You'll be fine. I don't want to. But you'll fit in. I like to stand out. I got my undergrad in acting. You think that I want to fit in? I got your undergrad in acting? I did. What are you doing with that? You're doing nothing with it. I know that you got an art degree too, so you can't say shit about it. No, I dropped out. Listen, what the f***? What a waste of a degree. You're doing nothing with it. You're working in retail. Restaurant. I was going to say F &B. Service, service, sorry.

27:42I don't find it to be a waste of a degree. Now, you're not using it. And you have$44 ,698 of student loans. Yeah.

27:55Value of what my degree cost versus value of what my degree is giving me, as I will tell you, it's in the negatives, 100%. Well, no shit, so it's not worth it. I found my degree to be worth it. How do you know what's good for me? That's my opinion! Mathematically, it's not. What is the worth it? You had fun. That's great. You can have fun without$45 ,000. I learned a lot. I learned. By acting. I learned. What were you trying to do? I wanted to be an actor. I wanted to be in the film and television world. I went to Columbia College, Chicago. Okay. Yeah. I wanted to be in the film and television world.

28:29Did you do anything? I did. I did some work. You're on this podcast now, but you're going to be a teacher. Yeah. I did some work in the industry. However, I was in my undergrad when COVID hit and everything kind of went to hell in a handbag. Yeah, but that ended relatively quickly. But the industry changed so much that I didn't want to, I didn't really want to continue working in that industry, but I wanted to finish out my degree. And that's why I'm going in to get my master's degree now because I want to start an actual career because I don't want to be an F &B for the rest of my life. F &B?

29:08Food and Bev. Oh. Restaurants. I thought it was a fat bitch, but I gotcha. No, it's not true. You're, actually, I don't know what you are. It's very hard to tell with that clothing. Oh, what do you - This is my favorite dress, so don't knock it till you try it. I don't think I'm going to try it. Really? I think it would fit nicely on you. Are we swapping? Why not? What do you think your finance score is? zero to 10, zero being the worst, 10 being the best. One. If you want your financial score, take the assessment. It is free at calebhammer.com. See where you stand in the world of money. See where you're doing poorly, where you need to improve, where you're doing shit, where you're doing great.

29:49It tells you all of it. It only takes a few minutes. And again, 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 DownloadWise budgeting app. It is my preferred budgeting app. So many new features have been added recently. It's incredible. You'll love it. Get your free trial at dollarwise.app. Sign up for the annual version if you want to save a lot of money. And when you do, for a couple months left and then it's gone forever, can't be purchased, I will sign. My budget-friendly cookbook can mail it directly to you. Dollarwise.app. All those links in the description below.

30:19Let's jump into these finances, shall we? You have a good haircut in that photo. It's the same haircut. It looks different in that one. I may have laid a little different that day. Maybe it's just because you're smiling so you don't look as dead inside in the photo as you do. Am I not like joyful and just. Joyful? Yeah. Smile. Let's see. I am. Smiling on the inside. South Carolina Federal Credit Union. What do you have going on with them? Personal loan. Why? I. At 25 with your parents supporting you. I am confused. Why would you have a personal loan? I did a debt consolidation. Why? With your parents supporting you?

30:54Why? My. So basically I was paying the minimum payments on my credit cards. and I called my dad once and I kind of was like, hey, what should I do? I was living alone for the first time trying to figure out how to pay my bills. My minimum payments felt like a lot at the moment. And he was like, well, why don't you consider? Is there - Wait, who said that? My dad. Okay. And they weren't going to bail you out? Not that I want them to, but - No, they didn't want - It sounded like they would be. But when I called my dad, I lied to him about where I was financially. And I was like, yeah, totally. I've 100 % fixed my behavior and changed what I was doing.

31:34And he was like, well, why don't you just go get a debt consolidation? Why don't you just go to a credit union and see what they have to offer you? And he said it would just be an end-all, fix-all. Suggested? What was your thought? You went into it and got it? I did. So I went to a credit union that was near me, and I walked in, and I was like, hey, this is the amount of debt that I have. These are the credit cards. and the interest rate that they were going to, that they put my loan at was significantly lower than what my credit card interest rate was. And so it seemed like a good idea at the time, but I didn't change any of my - Well, what happened?

32:09I have a certain standard of living that I wasn't willing to give up yet. What's that? You have roommates. What's your standard of living you're not willing to give up? Just - Again, this is coming from spoiled background. Just shopping, taking care of myself. What's taking care of yourself? Your blowout? No, getting my hair done, getting my nails done. But even that with your income, if budgeted, if put, that wouldn't make or break you. You have to infinitely spend more than you make, like a lot more. And I was. Was? Was. Okay, very good. How much did you spend last month? We know what comes in.

32:42Yeah. What, like 27 on normal? Three maybe? Three, two? No, 31. 31 comes in. What went out? Is that like on checking? All went out. Checking credit, all of it. What went out? What was spent? What's gone? I'm going to take a wild guess and say probably somewhere near$6 ,000. That's insane. $4 ,534.47. I did. If you said was, how can you possibly say six? What the fuck? I just can't. That's not was. I assumed. I was like, I wanted to. But that's not was, though. That still is. I thought that it was worse than it actually is, apparently. No, no, no. You're not understanding what I'm saying. When you say was, it makes it sound like you were bad, but you still are.

33:23If you're saying$6 ,000, I mean, you still are. If like$31 ,000 comes in and you spend$40 ,000, what was it,$45 ,000? Yeah,$45 ,000. The reason I thought it was$6 ,000 is because I knew that three paychecks hit on that statement that I sent you. So I figured it was somewhere in the ballpark of$1 ,500 to$2 ,000 more than I bring in. So it still not was, though. It still is. There's no change. You're suggesting change. There's no change. Where's the change? There's more awareness now at this moment in time than there was when I was - But you're doing nothing with the awareness. Isn't that worse than ignorance?

33:55Again, going back to that? Yes, yes, yes, yes. Then what are you saying? What I'm trying to say is looking through all of those statements, I had never really sat down and actually tracked what I was spending. Why? Because isn't that what's all necessary if you're going to say was and now is? I do it now. I track all of my spending now. I look at my statements now. And so I guess if you're going to look at any kind of behavior change that did happen, I do that. I still have, I still struggle with impulse control when it comes to spending. I still struggle with impulse control when it comes to seeing what other people are doing and trying to.

34:38So what's the cope? How do you deal with that? How do I deal with overspending? How do you deal with that? If you see what other people are doing, what is the answer? Right. I mean, it was just buying things and spending money that I didn't have. You keep saying was. It is. It is. It's buying things. Dude, how much did you spend going out to eat last month? $600,$700? Dude, it was$1 ,026. What the f*** are you doing? Even now with your better income, that's still over a fourth. Over a fourth! Well, you have debt. Well, mommy and daddy are giving you all this money and paying your bills. while you're consolidating debt while you're a was and now is you was now is you is you are spending over a thousand dollars over a fourth of your income i'm going out to eat was what are you talking about was there is no was there only is and still is and forever will be unless you actually look at what you're spending of which you won't do i do it now i didn't do it when i And I know that over like one month isn't enough to consider it a behavior change.

35:44But this is that month. This is that month. So what the f*** are you talking about? There's not an indication of a behavior change. No, there isn't. What are you talking about? Because just because you know. I make all my payments. I pay all my bills. So we'll see about that. Every time someone has said that, they basically have late payments, by the way. But either way, either way, pause. Either way, f***ing pause. Because the thing is, you just being knowledgeable about, wow, I really would like to not be in debt for a month is nothing. Because you still went and did the same actions as before.

36:20If not, that's even worse. Because if you all of a sudden had that mindset and wanted to fix it but then didn't, that is worse than, again, being in ignorance. That is what this conversation is about so far. you can't give yourself a w by all of a sudden knowing you're in debt and not wanting to be in debt but not doing anything to fix it that's not a win where's the win that's not a win i think i mean i heard you have a boyfriend and your future is all dependent on you getting your shit together yeah he had a nervous breakdown when talking about your finances to him i did Tell me about it. So he and I started dating earlier this year.

37:01And we basically, we started talking about where our finances were. And after a couple of days, he had, I told him that I had credit card debt. I never really told him how much. And then he kind of asked me, he was like, hey, seriously, like, where are you at in your debt? How quickly into your dating? Pretty quickly. I mean, I didn't want to, we both kind of are on the same page that we're ready to be with our person. Yeah. And so we kind of just wanted to make sure we aligned on certain stuff and finances, kids, all that. We wanted to make sure that we were on the same page. And he was like, how much credit card debt are you really in?

37:42Because he knew that my parents bailed me out of a lot of stuff. He knew that. Oh, he already knew that. Yeah. He knew that previously. And he's like, hmm, let me lock down that. He knew that my parents helped me financially, yes. I don't think he realized how much, and so when I told him— You don't want to be with a non-independent person, though, someone that can't manage themselves, because that means all of a sudden he becomes the dependent. I have made that joke to him multiple times. It's not really a joke. That's the problem. Well, what's the joke? That you're going to be dependent on him?

38:10We'll just go from spending daddy's money to daddy's money. So the nervous breakdown, what happened? So I broke down to him, and I was like— You call him daddy. That was a joke. Let me see what this man looks like. Let me see if he looks like a daddy. All right. That's him.

38:28He could be daddy. Okay. Go on. That's him. So I broke down crying and I finally admitted to him what I'd been lying to myself about, what I'd been lying to my parents about, which is just where I was debt-wise. I was lying to my—I didn't want to think about the fact that I was in debt because I didn't want to change my behavior. I just wanted to keep spending money and being a spoiled little brat. I mean, I'm sorry. I mean, with your spending, you still are. If this conversation was months and months and months and months ago, you didn't change. No, I didn't. I wanted to keep spending money. And so I just ignored it and I just let it keep going.

39:08And I told. OK, call him. Right now? Mm hmm.

39:16All righty. Because his personal loans at$2 ,869.12. What's the minimum monthly payment? $175. And what's the interest rate? $12.5? $13.5. $13.5. Minimum monthly payment,$152.45. Oh, I pay$175 every month. Well, I don't understand the point of a little more on a few different accounts instead of actually focusing on something but call them. All right. Listen, if we consolidated this almost 14 % loan, build all our debt back up because we didn't change your behavior, then you haven't done anything. What the f*** are we doing? editors bleep his name if he has my guy I just have to talk to you for a second okay the thing is your girlfriend here who we are calling Iris in your anonymous you guys had a pretty rough conversation months and months and months ago how she finally accepted what she has been hiding to herself hiding from you hiding from her parents about how much debt she was in so that she could finally confront it right isn't that how that conversation went she wanted to finally expose it so she could fix it yes and she wanted to fix it for you because you guys are like you know we are ready to settle down we should be forever people right yes dude god but that's not even close to what has happened after that.

40:39All she did was acknowledge how much she had. Then she didn't change her life. How much do you think she spent going out to eat alone last month? Just going out to eat. Just going out to eat. Or bringing in $3 ,100. Just going out to eat. I have no idea. What would you guess? Gut. Uh, $500. So that would, you know, changing her behavior. Changing her behavior would be cutting back a little, learning how to budget, acting like a f***ing adult and having conversations about her money. Hey. If she wanted to settle down and actually be with you? Well, she spent$1 ,000 on going out to eat last month.

41:13Over$1 ,000 going out to eat. She spent a third of her previous income before her new job going out to eat last month. Months after having conversations about how she wants to fix things. Yeah, I had no idea about that. I've not been that much into her personal finances. I just know that she has been putting together budgets. I didn't Wasn't sure if she'd been following them No she probably right because this is what she does This is what she has tried to form As a W in this entire conversation Is that because she thinks about Her debt because oh I acknowledge that my debt exists She comes out as the win that's it It's like thinking oh I'm fat I should go on a diet And then that's the win no You actually have to do the thing she doesn't do the thing She never does any action She does the thought she does the thought of the budget She makes a budget then she doesn't follow it and this is with i'm assuming you pay for a lot of extra dinners on top of this right i wouldn't say a lot but yeah we go out once in a while well there you go and then she blows a thousand dollars going out to eat miscellaneous bullshit miscellaneous bullshit this could be random things this could be stopping in getting an energy drink this could be who knows it could be a video game i don't see her as a gamer but who knows it could be that kind of stuff miscellaneous bullshit that is an additional one thousand two hundred dollars so minimum spent before we even go into other categories and see what might be bullshit.

42:37Minimum spent minimum spent on bullshit. Minimum spent on bullshit last month alone is $2 ,200. She brings in before her most recent job, but at the time of this job,$3 ,100. Bullshit,$2 ,200 minimum. Minimum. Is this not upsetting because you guys had this awakening conversation months ago months ago no it is upsetting um you know i didn't know i had no idea that um she wasn't following the budgets i just she's just been talking about making them oh well mommy and daddy comes in and pays for the bills you know when she doesn't fix this behavior and mommy and daddy all of a sudden become husband and wife as in you and her you know all of a sudden you become the person that pays all her bills and all her mistakes and bails her out every second.

43:31You know that, right? This just gets transferred onto you. Yeah. I know how it works. How does that make you feel? We haven't really talked about the whole, uh, being a parachute type thing. Cause I know she has her parents for now, but, uh, it's frightening. Yeah. You guys have talked about being forever people. What would be required to change? What would this be required to look like for you to even consider that? Because if I'm being completely honest right now, Yeah, keep dating her. She doesn't seem like a bad person. Horrible finances, spoiled little brat, absolutely. But would I say marry her?

44:09Not even close. I would say run. What would have to change? What would this have to look like for you to nail down the relationship in a more marriage way? I'd have to know that she's following the budgets that she's making, even more than just thinking about it and actually putting in the action. What would you want those budgets to look like? I don't know. The numbers are something that I definitely haven't thought of and not something that I can throw out willy-nilly right now. But I would definitely say, because I know this is something that's been stressing her out a lot lately too, and obviously that's not good for a relationship as a whole.

44:46No. Yeah, I think it would be good for everybody. Yeah, I don't know. If she agrees, I'd definitely be happy to be more involved in things. Is it acceptable for one's partner to be stressed about something and put that stress and then make the other person feel stressed because of that? But the thing that is causing the partner, the thing that is causing that person's stress is not being stressed. So good, so good, so good. New spring arrivals are at Nordstrom Rack stores now. Get ready to save big with up to 60 % off Rag & Bone, Marc Jacobs, Free People, and more. How did I not know Rack has Adidas?

45:29Because there's always something new. Join the Nordic Club to unlock exclusive discounts, shop new arrivals first, and more. Plus, buy online and pick up at your favorite Rack store for free. Great brands, great prices. That's why you Rack. Change in any way whatsoever. Is it fair that she puts that stress on you but doesn't change anything that creates the stress? No, no, not when it's something that happens over a long period of time and it's a behavior that's not changing. Yeah, it's unacceptable. It's unacceptable, all while not even having to take care of her car bills and other bills because of mommy and daddy.

46:03Yeah. It's not my fault I'm loved. You're enabled. You're spoiled. I'm loved. You're loved. Well loved. You're well loved. Well loved. But they are not actually treating you with proper love, love that will benefit you in the end. I'll call the parents in the post show But I'll let the boyfriend go for now You trying to ruin my relationship, Caleb? No, I'm trying to fix it by you getting your shit together So that it's not transferred to him When you guys become married, if he even allows marriage And I want to get you guys to marriage If that's what you guys want to get to But you're doing everything to go opposite of it You're spending on bullshit minimum What is it, about 75 % of your income?

46:40It's insanity On bullshit Well, have a nicer tone with my mom She's a very nice lady No. Any other thoughts here, boyfriend? No, it's on my head. I'm glad she's having this conversation with someone. If you guys find it allowable, be her accountability partner. You need to hold her feet to the fire because right now this is beyond unacceptable. Yeah, it's something we'll talk about. Good luck. Potentially run.

47:16I feel like you're trying to break me up, Caleb. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to$350 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for time. Get that$350 right now in your checking account. If budgeting apps make you feel like this is for you.

47:55Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts and try tracking. But within a few days, it feels like a homework assignment. They're failing too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity and using tools that turn money into a failing grade.

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49:02No. I want you guys to actually be able to get married. He's never going to let you guys get there if you don't get this shit together and actually act like an adult for the first time in your life. Like, what the f*** are we doing? Then you take out the personal loan and then you f*** it all up again? Who would have thought? Take out the personal loan. Rack up all the debt again. Uh-huh. And then last month alone, 2 ,200. There's no - Minimum, minimum, minimum, minimum on bullshit. Minimum, minimum. Not even a question. No way. F*** you. It's there. Look at the chart. You can read. You went to theater school.

49:39I can read. Capital One,$5 ,576.67. Minimum monthly payment,$1.84. What is going on with this? Because that's an insanity of a balance. Insanity. Yeah. So that credit card I've had since I was 18 years old, and I genuinely don't remember the last time I didn't carry a balance on it. Yeah, that's what happens when you spend literally triple what you put towards it. You put the minimum payment towards it and you spent$632.11. Well,$128.34 of interest accrued. It is almost maxed out. It is accruing interest. You can't pay it off to save your life, yet you spend over$600 on it. Why possibly? Why the f***?

50:26Because there were things I wanted to do and... More than marriage.

50:36it's a tough one oh boyfriend you should have heard that it's a tough one because it's hard to boyfriend just to let you know james grill is much more important than you in your future i was actually with him well you still chose it you spent the money you're choosing that because he is not getting married until you fix this shit it's not you don't it's not you don't Fix this shit by spending$200 on James Grill. It's not more important than marriage to me. Yet you do it instead of actually fixing the thing that is going to allow you guys to get married. That was suggested is more important to you through the behavior of it being more important to you.

51:14It's just anything that I didn't have in my checking account that was over$50, I put on a credit card. Why? What's the logic? That was just my rule. Your rule? That was just my mental rule that I had. Like if I didn't have the money in my account and it was over$50, I just put it on a credit card and I didn't think about it. Okay. And the logic behind it is that helps you? It doesn't come out of my checking account, so it just didn't seem. Checking account. So that's what matters. That's the number. Credit cards don't matter. Then you're not a credit card person. Not even close. If you, if literally, if your logic is as long as it's not coming out of my checking account, if it's being added to a credit card, it's okay.

51:57I mean, yeah, that's, that's what, that's what I thought. That was that. I mean, that's what I think. I was going to say, cause you again, spent triple what you put towards it. That's what I think. Credit cards. It doesn't, it's not as quick. It's not as, I don't want to say real. I mean, I guess it's not, it's not as real. It's not as quick. It's affecting your credit. Interest is accruing. It's you. It is. How long does this take to pay off if you make minimum payments only and don't purchase, of which you're incapable of? 19 years. 22 years. 22. 22 years, and yet you still won't be married.

52:32How does that sound? Not great. Well, that's where you're literally headed. The credit cards were just what I was using. Also, the lady who always pays her bills has had a late fee this year. Every f***ing time, ladies and gentlemen. There's a late fee. Oh, every f***ing time. What is wrong with people like you? No, I know I had a late fee on there in 2021 one time. No, you had a late fee this year one time. Then I didn't know about that because I didn't know shit. This is so interesting that those who are the most confident that they're never late are the ones that I know for a fact will have a late fee.

53:10I genuinely wrong with you. I genuinely didn't know. I know. That's ridiculous. I know there was a time in 2021 that I didn't pay that. Dude, I don't give a fuck about four years ago. It's 2025 and you've had a late fee this year. Does it say when? This year. Does it say when this year? No, but it's year to date. Okay. What was the amount? 29. That's a late fee. 29. Listen, on here, Wix.com, James Grill, McDonald's, the Nugs, more important than you, boyfriend. By the way, winning got some bullshit. thrift shore smoke and vaping okay so that is delta 8 gummies i don't i do not smoke i do not vape i used to do edible i quit two years ago but until you just purchased that no no no no nicotine i used to smoke cigarettes but you're doing edibles well because those those specific gummies are legal in south carolina and that's the legal well i don't i don't know about delta 8 specifically But, you know, listen, I was I'm still OK with weed, but I was actually much more pro pro like a decade ago when studies were first getting started.

54:22We didn't really see negative things. Now, pretty much any study that comes out over the past five years or so shows that really it's it's not great. It limits your absolute development all the way through like your entire 20s and lower increases your risk for many cancers. There's much more dependency than people are willing to acknowledge. It's not dependency as in like you get. Spring starts at the Home Depot, and we are bringing the heat to your backyard this season. Fire up the flavor with our wide variety of grills for under$300, like the Next Grill 4-Burner Gas Grill that's perfect for hosting your spring cookout.

54:57Then set the scene and turn your outdoor space into the go-to spot the patio sets for every budget. Bring it this season with grills that deliver flavor and patios that set the vibe from the Home Depot. Start your spring with low prices guaranteed at the Home Depot. Exclusions apply. See homedepot.com slash price match for details. I'll feel you're going to feel like horrible headaches or itches or, you know, shakes or anything. But you will feel down for a while if you are on this on a daily basis. I'm not on it on a daily basis. It's just for a little fun here and there. It's every now and again.

55:26I don't drink very often. So that's kind of my I will when I go out with my friends. Chili's, Spotify, Uber, McDonald's, CNBC. $25 for CNBC. What are you doing? I couldn't even tell you what that is I can't, it's CNBC You know what CNBC is? The news? Financial news? Dude, you have a subscription to CNBC and you don't even f***ing know it What is wrong with you? I'm sitting here, I'm trying to think I'm trying to rack my brain Uh-huh Yeah, over$1 ,100 has gone to interest this year so far Damn On this current loan So, for example, of this year, an entire third of a month that you worked went to just paying the interest on this.

56:21By the end of the year, a half of a month that you will have worked this year only went to the interest on this card alone. I guess CNBC has stores in the airports like convenience things. Yes, okay, okay, that makes more sense. A few newspapers maybe? No, so that would have been. So this, I went back home to Chicago to see my family. That would have been at the airport. That's why I was. Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Get on your phone. What am I getting? At the airport, dumbass. Sorry. You don't need entertainment while you're there. From South Carolina to Chicago.

56:59You have your phone. I'm assuming that was something. You're in pain for Spotify. I'm assuming that was like grabbing food at the airport. I'm assuming it was dumbass. I'm assuming that it was. Also, you went to Chicago for back-to-back concerts, let's be honest. I did. So, f*** off, family. I did go to see, I, okay. Uh-huh. So, my mom bought the tickets for us to go see this concert, and I decided that I was just going to make a trip out of it, because why not? And go for another concert. I did see another concert while I was there. I went to, we went to see a baseball game. I went to my, one of my friends is in a band.

57:38I went and saw her gig. We went to the Renaissance Fair. We just made a whole, like, six-day-long trip out of it off of the fact that my mom got us tickets to go see. We went to go see the Goo Goo Dolls. Half a month of your work just for this interest rate. And this weekend, you're going to go see Renee Rapp. I am. Thank you. I'm going. I drive to Atlanta on Friday. You can't afford dick. You can't afford anything. I already paid for it, so it. Yeah, you'll get food. You'll get gas. you'll get bullshit. Come on. But it's already paid for. Merch, not everything. Feels like it is. But that's not how math works.

58:15Like, I mean, the like, Verbo's paid for, the concert's paid for. Yes, I know. But not everything you're going to do well there and not to get there, get back. Or a hotel, which you'll probably do. I won't get a hotel. We already have accommodations. That's paid for. How much did you spend? It was two? $100 ,000? And that's more important than your boyfriend. No, it isn't. Okay, well, it clearly is through your behavior. This is at a 28.96 % interest rate of death, of insanity, of stupid. Accommodations aren't free. You still spent money on that. I assume Airbnb of friends. Verbo. There you go.

58:56That's not free. No. I mean. No. No, it's not. United. Oh, we know you like to travel and fly and bullshit and insanity. Oh, she spent over three. No, she spent about three times that she put towards it again. That's wonderful. She made her minimum fee payment and she spent$840.09. What is wrong with you? What the f*** are we doing? Again, you say you want this wedding, yet you then just go and do this. Last month. What are you doing? What's going on with this card? So I opened this card earlier this year. Earlier this year, it's at$7 ,400. $91.29 at your income. That is disgusting. Yeah. So I opened that mainly because I knew that I was going to be flying to and from Chicago a couple of times.

59:44Oh, fuck. The O 'Hare is the hub, is one of the hubs for United. So I fly United mostly. They have direct flights from Charleston to Chicago. So it made sense at the time. When I opened it, I got a statement credit. and then in order to get like the mileage rewards on it, I had to spend, I think it was like 3 ,500 to 4 ,000. You can't spend money though. That doesn't make any sense. See, you're not a credit card person. You cannot manage credit cards. Sign-up bonuses make no sense for you because now this is accruing interest and being ridiculous. I mean, at first, if you pay it off immediately, you get your bonus.

1:00:22It's so stupid. You can get the Fizz card. There you go. You can do that. Debit card that builds credit. So you get all the rewards. You get the benefits, but it only lets you spend it in your checking account, which we know you're incapable of following that rule. So it at least forces you to. And also while we're at it, I mean, if you decide, oh no, I don't make enough money as an elementary school teacher in South Carolina, which you'll probably decide at some point. If you want like a career outside of that, I'll get you a course career certification. A lot of people in our audience have used it, a lot of guests.

1:00:46They've boosted their income. They've gotten better jobs. You can get that for free. So you just let us know when you're ready for that. But I mean, this is insanity. 19 years to pay this off. You're not a credit card person at all. Sign-up bonuses, f*** you. You can't pay off the cards. I mean, it just, the sign-up bonuses. Yeah? What about them? I told you, I have impulse control issues. So I think to myself, the sign-up bonus, I'm like, okay, that makes sense. And then it just builds and builds and builds. And then I look back and I'm like, how the hell did I spend$7 ,000? But I bought flights.

1:01:20I bought my concert tickets on there. you know some of the part one of the purchases on there is one of the is the renee rap concert that we're going to this weekend so you just did it so that it's already paid for just happened no uh yeah i bought the tickets a while ago but you're gonna hate this i didn't realize so there's a way that you can do it on the united card where it's like it's an interest-free payment installment and I didn't know what it was. So for the Renee Rapp tickets, I ended up clicking it because I was interested in what it was. And so it has an interest savings balance that it charges.

1:02:03So it doesn't charge the interest on the tickets, but it also charges a fee. Yeah, a monthly fee of$7.27 a month. Yeah. Stupid. I knew that that one was going to... While also getting food at China Master, Domino's, going in and getting some bullshit, The Charleston Nail Spa. By the way, it ain't cheap. It's 61 bucks, 20 cents. Hey, these nails. Island Cabana. Audible, go to the library. I know there's one in Charleston. It's a city that exists. Amazon, UA, Infilt. That's Wi-Fi on the plane. You, you, you. Download shit. Download shit. Don't be a dick. Download shit. Download shit, you dick. That's how I can do school.

1:02:44That's how I can do school. Download shit. I'm paying$9 ,000 a year for that. You can do it before and after. I do my school on the plane. Come on, Dick. I buy the Wi-Fi so that I can do school. That's not an excuse to fly. Oh, so I actually have time to do school. That's not an excuse to fly. I'm just saying. Okay. Bolero. Hudson News. More news we're paying for. That's the airport. Uh-huh. James Island. There's more in-flight Wi-Fi. Cooper Shock. Cooper Shock. Alani. the Yolani energy drink? That's so stupid. This makes no sense. They just, okay. It's stupid. Here's the thing. Here. Here. Free sample.

1:03:24Free sample. Make this with water. This is the Gigi energy drink. They came out with their witch's brew. Oh wait, this was just used. Oh my god, an empty piece of plastic. You must really love me. That one has free samples. You can get your free samples of this. But instead of this f***ing dumbass bullshit and I get but they have comparable flavors and everything. They came out with the, they had the witch's brew. Stop, stop, stop. We just did a blind taste test on this. This is, I swear, it is just as good if not better. The thing is, you can make your energy drinks at home with the powder, and it is$0.25 a serving.

1:03:57Instead of blowing, you're on like$4,$5 a serving. You get it? GamberSubs.gg. Use code Caleb or Hammer. Caleb for your free samples. Test out which flavors you want. Then you get 10 % off with my link. 25 cents a serving plus 10 % discount. It's like making your coffee at home. Dude, you got to do this. No more. You cannot afford these one-off energy drinks. Make your energy drinks at home. I will give you so many free samples. Just make them at home. The flavors are just as good. I swear. They're fucking awesome. Have you ever had the witch's brew? Yes. Absolutely. Yes. It's not as good. No, you don't know.

1:04:32You haven't tested it, you dick. I just know. No, we did the blind taste test. Gamer Subs is incredible. Do they have like a caramel apple flavor? Green Roast Ups is incredible. Review all their flavors. Okay. Just saying. Dude, 25 cents a serving. Make your energy drink to home. I don't understand this. It makes no sense. That's what it is. I'm just telling you. Just like coffee, make them at home. That's so stupid. I do have an espresso. More James Island and McDonald's and, yeah, you're getting fees for that thing. And then$500 of interest this year. It's ridiculous. It's at a 27.99 % interest rate.

1:05:11Yeah. I mean, I do make my coffee at home for the most part. I do have an espresso machine. There was a little bit of time that I was out of my Nespresso pods, so I was going to Starbucks. That's kind of expensive anyway. Like, I would rather you, listen, not that you can afford it now, but maybe get gifted in an actual espresso machine that is so much cheaper. The Nespresso pods are, they don't taste as good. They're like$1.25 a serving. Exactly. That's insane. They're good. Yeah, so is espresso. Espresso. Espresso. Yeah. At least you don't put an X in the word. No. No, my boyfriend puts an X in the word.

1:05:51I make espresso and I froth some milk. Latte. Boom. Cheap. And it's good. So I do sometimes make my coffee at home, but whenever I'm out of my pods, it's an expensive thing to— And you go to Starbucks, literally the worst coffee you can get outside of 7-Eleven. Like, what are you doing? What is wrong with you? You're in a city. Shut the f*** up. Pull up your Amazon for me and start a screen recording. Okay. That's at a 27.99 % interest rate. That's right. Alrighty. I'm on it. Give. Give. Let me. I'm just going. Give. Give. You can say please. No. Blackout private information. Screen recording.

1:06:32Good. What? Are you afraid? A little. What would you be embarrassed of? you saying how much I spend on Amazon? Well, yeah. That's the thing that I'm nervous about. Oh, you got some high boots. Don't need that. I'm sure you have clothes. You got clothes, clothes. I'm sure you have that clothes, clothes. I'm sure you already have clothes. Knee pain relief. That thing's okay. I did get that. Bracelets. I'm sure you didn't need them. Pens. It's not the absolute worst. This is just going back to like the last month. My goodness. Cash clusters kit. Lash clusters kit. Better than going and getting your lashes on.

1:07:02I do my lashes at home. But all this clothes and bullshit and insanity and the boots and the bracelets. You do not need it. And it's so stupid. What's in the cart right now? You got a dress for 50 bucks in the cart. Don't. Don't. Okay. It's this dress, but in pink. I'm going through TikTok shop now. It's okay. But this dress is amazing. And it's this dress. Shut the fuck up. I don't care. I don't think I've purchased anything on TikTok shop in a while. Let's see what a while is. I'm here to confirm. I think the last thing I got might have. Okay. a shower head oh i did buy my shower head off some gummies or nutrition bullshit some packets of hello packets and the nello bullshit bullshit bullshit bullshit bags pants dresses more shower heads you return that one you got a bag you got nutrition you know powder crap uh snowy thing it's so bullshit it's all stupid no wonder you think my tp funds ridiculous because your spending in that category is ridiculous.

1:08:06By choice, by fun, by f*** you.

1:08:11Okay, Bank of America. Cruise, celebrity cruise. Yes, it's a travel card for cruising. I have two double travel cards. Why? Well, you can't afford life. You can't even pay off your debt. Why are you thinking of even getting cards in the travel space in general? That doesn't make any f***ing sense. So that one I got a couple years ago. Also probably stupid. I was going on a cruise with my mom and she got one too. We just wanted to have the like onboard credit that you get for purchasing on it. So I got that card, opened it and I don't spend on that one anymore. Yeah, I don't see spending right here, but you're only making the minimum.

1:08:55Well, it was a couple dollars higher, which makes no sense. I don't understand the strategy of a couple dollars higher and a few cards. but making like no progress. Like what? That's not a method. That's not any method that anyone uses. It's not meant to be a method. I have enough monthly payments on my credit cards that I - Spend more than you make them. What? Spend more than you make. I do. So the monthly credit card payments that I have, when you add all of them together and the personal loan that I pay, minimum payments is about all I can do. So I just do. Oh shit. And then you spend even more than the minimum payments on the card.

1:09:36So it doesn't, you're not doing anything. You just asked what the strategy was. I'm just telling you that I. The strategy is to spend more money than you put towards them. This, even with your little extra payment, still going to take five and a half years to pay off. Five and a half years, five and a half years, no marriage. Cause why would he? That's your method. That's your method is no marriage. That's okay. So I is part of had a late fee this year. So far, is that your method late fee? Oh, another one. Didn't know that happened. There it is. $258 of interest this year. Almost a full month of work completely gone with interest across everything we've looked at so far, including the personal loan.

1:10:19So with that credit card specific or with all of my credit cards, I guess like, yeah, I end up spending more than I make. there are a few different things that I like obviously like I go and I get my hair done I go and get my nails done I do those things there are a couple things that I collect in general that I buy you're collecting collect husbands I don't know if my boyfriend would appreciate that yeah you stop at one maybe that's what you're trying to do your hobbies are more important what are you collecting I collect two things I collect swords If you want to land a high paying job, but don't have experience or a degree, then you need to learn about course careers.

1:11:00It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high-paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC supply chain, and many others that can be done remotely.

1:11:35And the coolest part about Course Careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry-level job. And they have a 100 % free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today. Starbucks is bullsh** and a waste of money, and you already know that by making your coffee at home and investing the rest.

1:12:07So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our hammer elite show fat and fatter the number one ranked energy drink is literally the cherry flavor is insane listen you can also get free samples to see if you like it or 10 off your order at gamersubs.gg or click that link in the description below type in code caleb i know that one always gets a head turn one of my i studied stage combat in college as my minor. And so I collect various.

1:12:48You have no money. How are you in a position where you can say you collect anything? And then the other thing I collect is jelly cats. What the is that? What even possibly is that? They are. Show me. We'll put on screen. Okay. I didn't want to bring my, I have one on my key chain that I didn't buy. my boyfriend bought for me, but I didn't want to bring him in because I knew you'd throw him. Well, if you put it in my face, yes.

1:13:20Why? His name is Nathan. Why? Why are we spending money on this? I like them. Why? Because I do, because I'm a girl, because they're cute, because they're soft. Girl doesn't mean... That doesn't make sense. That's not how this works mathematically. So I have, I think like 15 of them, just different ones. What? How much are they? They're expensive. That one is, I think, like$25. Oh, what are you doing? I didn't buy that one. That one was a gift, but I get it. Again, basically, like, peanut-looking versions of La Boo Boo's is more important. You have La Boo Boo behind you. Yeah, I purchased it for content.

1:13:55It was, it goes, it's a business expense. It works. Do you write it off? You know, my CPA will figure that out. So the thing about the, about like jelly cats is like they're very stupid and preventing you from getting married. A lot of people collect them. A lot of people want them. And so when they go in stock on the shop, they usually sell out. Fads move so quick. People are already getting over the LaBubas. I was never into the LaBubas. I don't care what you were into. People move in and out of things so quick. It's not jelly bean where people are into it for decades. Jelly, beanie babies. where people are into it for decades.

1:14:34Jellycat's been around a long time. Yeah, and I don't f***ing hear about it. I hear about people collecting shit all the time. Listen, this isn't going to go the way you think. Maybe it will for a second, but I don't know. And you're willing to pay late fees instead of, you're willing to have the jelly bellies instead of paying your bill on time. Because this is the second one this year so far. Jelly bellies above that. Jellycat. Jellycat's above paying our bills. Jellycat's above paying off debts. It's jelly cats instead of being free from our parents. Jelly cats instead of marriage. That's what you are choosing.

1:15:06I really like them. That's one of the things that I... Well, husband, potentially in the future, if she's lucky, which... You hear that? She really likes them. He's bought me. He bought me that one. And then, so he also... You just bought a top-of-the-line MacBook Pro for school. You don't need a MacBook Pro for school. The M4, M5, M3, M2, M1 chip MacBook Airs are incredible for school. You're not doing pro work. You're not rendering videos. You're not doing 3D shit. You're not processing AI or GPU-heavy requirements. No, but my degree is fully online. Yes, and the MacBook Airs are incredible.

1:15:50The new, the M chip MacBook Pros are incredible. Airs, Airs, Airs. I think I had a MacBook Air before. Yes, but not, probably not an M chip. Maybe not, but I had my previous computer I had for like six years. Yeah, the errors were not great before the M chip. I'll be completely honest. It doesn't matter. Top of the line MacBook Pro? That's not even close. You're not a pro user. You're not. You don't do anything. You use Google Chrome. I need to be able to make sure that I - Which you can without a top of the line MacBook Pro. Well, that's - You can do anything you need to do. Tell me one thing you need to do that requires a pro machine.

1:16:25There's nothing that I specifically need to do. There you go. Shut the f*** up. How much did you spend on your MacBook Pro? My computer cost me$2 ,000, I think. No, you could have easily gotten the$1 ,100 MacBook Air that I get employees on. Lindsay uses her Air. Brandon has his Air right there. All the non-video editors have Air, and they can do everything on multiple displays. It might have been cheaper for being like a student discount, like go back to school. Which means you got an even more computer than you should have if after the discount is a$2 ,000 computer. But I think it was a$2 ,000 computer.

1:17:00Your computer would have been about$1 ,100 before discounts. I'm not totally positive. Come on. That's all you need. I mean, that's the 15-inch model versus the 13 Air. I mean, I had the MacBook Air prior to when I got my computer before. But if you did any research or had any conversations with anyone, any of the people at the Apple stores, anything, you would have known that you could have got an M chip MacBook Air. They're completely different machines. Was that a thing? Like a... Yes! The Airs have been for a few years now, you tit. Why are we yelling? Because you're a tit. You're spoiled and you think you need the top of the line.

1:17:34And you choose it over marriage. You choose it over paying your bills on time. You choose it over everything. I destroyed my last computer from being in school. Oh, yes, your Intel-chipped MacBook Air. No one gives a f*** about those. No one would advocate for those. No one would advocate for the Intel-chipped MacBook Pros even. I don't even know what an M-chip is. They're max chip What's it called? Like M1, M2, M3, M4 I think we're on to 5 or 6 now You don't need anything more than that for what you do You're a browser user You're a browser Well I do use some studio editing stuff for whenever I film So the Airs can handle anything you're doing I guarantee you Guarantee what you're doing A f*** iPad can do what you're doing Guarantee I do have an iPad from my undergrad that I use on occasion Die I used to take my notes on that, but now I take them all just like on a notebook.

1:18:24It's just easier for me.

1:18:29South Carolina Federal. Credit score 662. 664. Not grades. You know, in that range. My credit score's always been in like the good range. And so that's. It's in the mid. Exactly. So that's why I was like, well, I don't need to worry about it. Oh, student loans. Yeah. Now, obviously deferred because you're in school. I've never paid on my student loans because when I graduated my undergrad, they were still being deferred by the government. Yeah. And then by the time that— You've been in a blessed period for these. Yeah. Well, when I started, the year that I started, was going to have to start paying my student loans back.

1:19:14I didn't make enough money, so I was on the income-driven repayment plan. Yeah, but they're kind of. And then I went back to school. So I know that plan doesn't exist anymore, but then I went back. It doesn't. But there are there's the new RAP plan, which will start next year. That is the repayment assistance program sometime next summer. With where your income will be. You're likely. OK, what's the total amount you will have borrowed by the time you graduate grad school? because you're at 44 ,698 right now. It'll probably be 60 to 70 just in student loans. What's wrong with you? Well, because undergrad and graduate together because a good amount of that is my undergrad.

1:20:04So some of these, especially non-subsidized ones, like the interest rates aren't going to be the best that you're getting right now. Your minimum payment under a wrap, I'm guessing, is going to, you should be on like about an$800 payment, but you'll probably be on about three to 200 to 300 on your income. The idea of paying my student loans back actually makes me sick to my stomach. Why? You went and got a bullshit degree and now you're getting a master's degree that luckily is a relatively cheap master's online degree. But honestly, again, for something that won't be the highest income just in that state, at least.

1:20:34I know. It's just, I haven't ever paid on my student loans. So I just. Why does it disgust you? Like, oh no, I got a service and product that I paid for. And now I have to pay for it? I'm nervous to have to start adding that into my stuff. Oh, that makes more sense. Into my stuff. I don't know. I know that it's going to not be the easiest transition. Well, you'll have a little bit of time after graduation, but I mean, what's your income going to be? Do we know? As a teacher? What's your teacher going to be? What are you doing exactly? Elementary school, so. Just a random elementary school teacher.

1:21:13Yeah, I mean, I haven't, like, I don't have a job offer anywhere because I'm not licensed yet. Well, no shit, I'm just, okay. The Schedule I salary for master's in the Charleston School County District starts at, like, 58, something like that. At least that's what it was when I started my program. It might be slightly different now, but. Let's find out because even, I mean, your payment might even be lower with that. um yeah about 50 it starts at about 50 with someone a master's degree charleston area um new teacher yeah i know that there are like breaks with student loans for people that are in education i don't know what they are um what do you mean breaks oh student loan forgiveness i don't know what are certain things if you work in certain school districts which are pretty high demand these days um because yeah you work there for quite a few years and then your student loans get forgiven.

1:22:10You know, it's public student loan forgiveness. Something like that. But you have to go to like a special district for that where it's usually underserved. Well, there's a chance that I might go and teach in Illinois too. I'm planning on getting... Yeah, but Illinois, those school districts are completely maxed out. I saw that online the other day. All the school districts that people wanted to do in Illinois that are those lower income underserved communities that will have teachers have their student loans forgiven are all hired. They're hired. I mean, I'm sure there's openings here and there, but a lot of people go for it.

1:22:37I mean, median pay for a teacher's salary in the Charleston area is only 58, so you're not going to go up that much higher. We're the Hartford, with decades of experience insuring millions of unique small businesses. When it comes to your small business insurance, one size absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash smallbusiness. For elementary schoolers, it gets a little lower, 56 ,430. So your raises, it's not even great. You start at almost where everyone is in the middle of their career, which is not a good sign. It's not a good sign. Yeah, there's not a whole lot of return on.

1:23:14No, there isn't, which is why I'm confused that you're doing it. In the income situation that you're in, probably because you think, because you've never learned the respect for the dollar. You think mommy and daddy will always be there. You've lived a comfortable life. You're not worried about anything. I want to. You're not worried. You've never had to be worried. Well, the thing with going into education is I like working with kids. I enjoy. I understand the like, but you just don't understand what this goes. Sorry, continue. Well, I like working with kids and I want to be able to have a career that offers me the kind of work-life balance that I want.

1:23:50And I want to be able to spend time with my family and travel and see my friends and go and do all of those things. Yeah, you'll get the summer, spring, winter break. I'm sure you'll love that. But the pay kind of comes with that. And the pay is you're not going to be living the lifestyle that you are used to. What's your income right now? What's your salary? 60, right? So you're taking a step down, first of all, and you're already over living your 60 ,000. You're probably living like an 80 ,000 hour lifestyle. And yet we're taking a 10 ,000 hour pay cut. And what world is this happening? Where's sure there's time to travel.

1:24:23Where's the money to travel? Like there is a realistic part of this. There's a probability that I'll end up serving or bartending while teaching, especially like in the summertime. Well, then where's the work-life balance where you could have just got a nine to five better job that has better vacation? I do. Well, that has good vacation. You'll never get three months off. I mean, I like the F &B lifestyle enough that like if I were to go back to it just to serve or work like that. Yeah, but that's not work-life balance. In order to do this job that you're trying to justify to get the three months off, you're already destroying your work-life balance in order to afford the life that you're doing.

1:25:03Maybe. So the logic is broken. It doesn't work. Maybe. I mean, maybe. Oh, she says she doesn't purchase on TikTok shop. It's the first purchase on her checking account, by the way. I said I don't think I'd done it in a little bit. You just did. Yeah. All right. Okay. Good. I did. I'm assuming that was, what was the amount for that? $29.41. Listen, I know they pay your car bill, but is it in your name or is it in their name? The debt. Their name. Okay. It's in my mom's name. What do you have? I have a 2020 Nissan Versa. Okay. You're very lucky. You're very privileged. You're very spoiled. Yeah.

1:25:44I mean, I like to say well-loved. That's my - It is loved. It's just incorrectly loved. because they're enabling you and they're not setting you up for success. I mean, look at you at 25 floundering around not knowing what the fuck you're doing. They're trying. No, no, no, no, no. They're not trying to not to enable you. They're trying to love you and do what they think is best. They're just wrong. I mean, my, when it comes like the car and everything, at some point I'm going to take on the car payment. I don't, like I said, they want me to be out of debt before I do that, which I'm very grateful for, but...

1:26:23Yeah. Well, also, I mean, it's in their name. I don't care about you taking over the car payment. It's their debt. They chose to do this. Yeah. I don't give a fuck about that. If it was in your name and they're paying for it, yeah, I'd want you to take that over, but no, it's their car. Yeah. They're just letting you use. They bought it for me when I was 20, when I was in college. It was a brand new car. Wow. 21, maybe? A little bit of jealousy. That's okay. $170 what you started with in your checking account. What are we doing? While we have that, we're doing TikTok shop, McDonald's, Sphinx. What's Sphinx?

1:26:59That's a gas station. You went in and got some bullshit twice. $3.05,$2.10. Make your energy drinks at home. $0.25 at a serving. It was my electrolytes. Hey, guess what? In the hydration version, there's electrolytes. $0.25 a serving. Stop with the stupid$3 purchases at a gas station, people. Use code hammer. I run to the gas station. I justify, I run to the gas station. I buy my electrolytes. I run home. You don't even have to run to the gas station. You can run wherever you want and then make your little thing and shaky, shaky, shaky, slurp, slurp, slurp. I like running to the gas station. Cool.

1:27:36Run there. Don't purchase. And then have a slurp, slurp, slurp. It's not as fun. You're right. You're right. Sacrificing for a better life is not as fun. Running sucks in general, so I just... Sacrificing for a better life is not as fun. You are correct. You have to choose what you prefer, fun or sacrifice for a better life. Grando Rio, Grande Rio, Ulta, Starbucks store, Sweat House, Sweat House. So that was a membership that I had that I actually canceled. Well, good, you better have. When I looked through all these statements. Southern Brews Coffee, Mine Arrow went and got some bullshit TikTok shop Apple DoorDash DoorDash DoorDash over marriage ReversePhone.com You searched up a phone number I did I didn't realize that that was still charging me I had okay I had someone spoofed my phone number so I was trying to figure out who the heck kept calling me Who did it?

1:28:39Don't know some random person in Washington There you go some and Jean Safra brew and I think that's a firm maybe or some bullshit or Bath and Body Works as well Appleville Starbucks Appleville went in got an energy drink second state of something it was a restaurant father's mustache it's a bar Cinemark Cinemark Dutch Bros McDonald's complains about not having enough money in her checking account look at all this this is insanity Dutch Bros McDonald's tattooed mouse moose Apple Bill, DoorDash again DoorDash or Dunkin Donuts, Baskin Robbins Huntington Bank Canva Dunkin Mobile Cooper's Hawk, Heroes Coffee and Bag Lift, Zell, Lift Zell, Whisper's Oak, Whisper's Oak Whisper's Oak, Jimmy John's, Around Cafe Bolero Dunkin Mobile app, Benny's Beverage Domino's, Hallmark Dunkin Mobile app again Tuscany, Kickin Chicken Apple bill, white pages.

1:29:41What the fuck is wrong with you? I was in Chicago for that. A lot of that time. So I did spend a lot of money when I was out there. Have you overdrafted this year? No. I've never overdrafted that account. Well, you said you never made a miss payment. So I don't know. I do know. Pull up your phone again. Pull it up and give. Where am I going? Just my phone in general? Yes. All right. I know how to navigate a phone. Well, you don't. I thought maybe you were going to my bank app. No. This is a very vulnerable moment for me. What are you scared of? What are you looking at? Okay. You have Eating App, Lose It Calorie Counter, Strava Run, Bike, Walk.

1:30:22At least these are health-focused. I Code Plus, I'm okay with that. Teresa Aesthetic Photo App,$39.99. F*** you. That's stupid. Get rid of that. And Photo Editor, f*** you. Get rid of that. You've had Lose It before as well, and then Cancelled Beauty Plus, CapCut, Notably Smarter AI Note, Bumble, premium. Okay, old, old. Yeah, back in spring. I said had. Okay, I was going to say, don't go out there. F*** my relationship up. Tick, tick to-do calendar. Apple TV. You've had every subscription in the world. Hinge premium. That was late last year. Shmoody, mood and habit tracker. My bar, cocktail recipes.

1:30:59Alright, drunk. Clear wave. Oh, and then May 1st expired this year. Hinge premium. Bumble premium again. Bumble premium again. So many Bumble premiums. Pixar and Tolman. The Charleston dating scene is god awful. Well, yeah, it's Charleston. You wouldn't think that's where necessarily the hot and youngs are going. No. No. The Charleston dating scene is god awful. It's an old person city. Still love it, but. It is an old person city. And the ratio of men to women is god awful, too. More women? Yeah, it's like a three to one ratio. Yep. There you go. Brandon, shall we? It's hard to meet anyone. I met my boyfriend just doing a run club together.

1:31:37which is kind of like the adult version of dating apps, the in-person version of dating apps at this point. Except half the time you'll get canceled. But all right, total income now is$3 ,750. Let's get your debt minimum payments, not including your car, so just the credit cards. The personal one's$152.45. The capital one's$184. The United is$334.53. And then$43 goes to the Bank of America. I would recommend budgeting off of$3 ,400, not$3 ,700. Why? After 401k contributions. $3 ,400, that's fine. Yep, take the free money. $713.98 goes to the minimum fee payments, which is already disgusting. I know.

1:32:18From the$3 ,400 that hits our account, we're talking 21 % already goes to debt minimum fee payments, none of which are an asset. That's not even student loans. That's nothing. Just credit cards and personal loan. What's your rent? $858. Utilities? I budget$120. Is that including the internet? Yes. We'll call it$130 then. Phone bill? Don't have one. Okay. When you do, do helium if T-Mobile's good in that area. It's like$15 a line. Okay. There's a$0 plan too, but that's if you don't use that or much. But that's fine. Do you pay for gas? I do. How much? I budget$65 every two weeks. Okay. Okay. It might be a little less because I'm not driving that far.

1:32:58$130. Car insurance, do they cover that? Mm-hmm. Car payment, they cover it. Dude, you're in such a blessed position. Necessary food, 300. Use the meal plan. Use the cookbook. Meal prep, warm up, overnight oats, all these different things that you're doing. TP fund, 150. You have a little extra room thanks to your parents. I mean, we could bump that up. I bumped it up from 100 to 150. Okay. Medical health care. Are there any co-pays? Yes. So I co-pay. I'm trying to work out with my insurance right now to cover something. So right now I co-pay like$80 a week for something. I see a chiropractor.

1:33:36Why? I have a really bad back. Okay, times 52 divided by 12. So right now my - Back things. I think chiropractors, the only thing they've medically been able to figure out is some neck things. I don't think back. They've officially had a medical - It's my hips, my spine, and my neck are all misaligned. I might have to go see a physical therapist. It's a whole - Yeah, probably. Okay. so we're gonna budget$347 a month for that. Jim, how much? That's just, really quickly, that's just that. Yeah, how much more? $16 a month for one appointment and then my medication costs me, I think like$40 a month.

1:34:11Okay, so medical is$403. Okay. How much for Jim? $31.99.

1:34:20Subscriptions, let's try to do 25, let's try to do 40, I saw Canva as well. Okay, is there any pets? No, I don't have any pets. Anything else that needs to be in the budget that I have not put in? I'm trying to think. I try and put aside a little bit of money in my budget in case I have any kind of appliance issues. Like we just had to fix our washing machine. No, that's savings. That's emergencies. That's not in the budget. No. It's separate. That's where you're putting money aside. Let's see how much you have left over. Okay. Anything else? No, I don't think there's anything else. $2 ,748.78.

1:34:58And 87 cents, sorry. Minus the$3 ,400 leaves you an extra, let's just call it$650. Okay, let me give you$50 for fun. It's not much, but it at least gives you a little rogo room. Let's call it$600 left on a monthly basis. Okay, the bad debt is$17 ,204.51. Divide by that$600. it's not horrible I mean it'll accelerate well actually it won't accelerate after school because your income will go down you're going to have to work two jobs when you first start teaching you're going to have to do bartending and stuff but right now this is going to take basically two and a half years to get debt free call it another three fourths of a year to get a fully funded emergency fund so three years and a quarter three years and three months three years three months debt free fully funded emergency fund you can accelerate that though by picking up some extra shifts, being a bartender now outside of this works.

1:35:53It's hard with school. So probably not. But once you're that teacher, then you're going to go be a bartender as well to at least make what you're making now, but hopefully a little more as well. That'll help accelerate this. Maybe you'll get blessed and have a slightly higher than$50 ,000 a year teaching job, but that's kind of where people are starting. It might even be under because that's median. So it's a hard place to be in, but three years and three months is not bad for financial audit. Now, when we incorporate student loans, that is going to be a new minimum fee payment, which is going to make it harder for you to accelerate the process.

1:36:23So I need you to take care of it as much as you can now before that starts hitting. So we need to limit our minimum fee payments by the time that payment hits. You'll get on the RAP plan, so you'll still have a lower payment, but... I mean... Chunky amount of student loans. Yeah, it's not a great amount of money towards my education, that's for sure. with student loans paying them back. This is just a question I have for you. Student loans paying them back while you're in school. No, it doesn't make any sense. Why would you? You have so much debt that's going to take longer to pay off from when you're in school.

1:36:58You have high interest debt that is riskier payoff now. Federal student loans at least has extra protections and hardships. Okay, fair enough. Okay, I'm going to do her hammer financial score. But remember, I'm going to call her parents in the post show. Get ready for that. And I will confront them about this enablement once and for all. Spending in a budget, zero out of 10. Debt, it's not horrendous. For your income, it's bad, but it's not like the worst debt in the world. And it's honestly because of your parents. They make it acceptable. But two out of 10. Emergency fund, nothing in savings, zero out of 10.

1:37:32What's in retirement, if anything? $700. One out of 10 for starting real estate, zero out of 10. No, 700. It's a zero out of 10. I just started putting into a 401k this year. Hammer financial score rounded up 0.5 out of 10. Click that join button. Three premium shows posted every single day, Monday through Friday, including an extra 20 minutes of each episode called the Financial Autopost Show. Right now, I'm going to call her parents. I'll see you there. I just found out in between filming the episode in the Financial Autopost Show that her parents came to the f***ing rescue and is bailing her out again.

1:38:05They gave me... What? How much? they give you that's crazy that's an insane number it's two of those credit cards this is insane she's never gonna learn she's never gonna learn don't forget to download the new dollar wise budgeting app this is officially now the best budgeting app on the market and i'm giving you a special deal to download but only through march 31st take a free three-day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane 50 discount and with the annual you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you.

1:38:38After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download DollarWise to start your free trial. Go to DollarWise.com or click the link below.