Septum Piercing Freak Makes Financial Audit History

27:45The first of last month. It's a normal overdraft. So just another overdraft? On top of the overdraft? Yes, it gets added to your little overdraft loan account. Which I've never even seen before, by the way. Congratulations on making financial out of history of something so horrible and disgusting. That is not cute. You're going to piss me off and I'm going to kick you the f*** off. I'm going to kick you the f*** off if you keep trying to be cute. You're not being cute. You're being an obnoxious b***h. Oh my God. Saying thanks. Saying thanks when I say you are very clearly bad and it is the first time I've ever seen it.

28:22That's something that bad. That is not cute. Stop trying to look cute. It's not funny. No one's giving you high fives in the comments. Shut the f*** up. I know. What do you want me to do? Shut the f*** up! Fine. Septim piercing, obnoxious mother f***s. You are not cute. You are not funny. You have a$3 ,000 overdraft loan. It is a joke. It is disgusting. You live at parents. You've done nothing. You have a worthless degree. You have nothing going for you. And yes, this is bad. Yes, this is bad. and I'm not going to baby you and coddle you and let you think that this is just okay. This is not okay.

29:03This is the complete opposite of okay. It is disgusting and you should be ashamed. You should be embarrassed and you should be doing everything in your life to try to turn this around for the sake of your own life. And the fact that you're not and you're not disgusted is embarrassing and sad. Why is it embarrassing? How the fuck do you - I don't think it's embarrassing. Oh, guys. Oh, I don't want to have a crash out episode. You don't feel embarrassed that you have an overdraft loan. Something that's never happened in this show. And that you just say thanks when I say you've made history. Probably because a lot of people don't know about it.

29:41Or either their base don't give in that. I have their statements. You did. I have their statements. Or they don't know. Filming four of these a week for three years, I have their statements. Well. They don't need to know about it. I know they don't because then they probably would use it. Like I did. Dude, I don't even know what the fuck to do with you. I don't know. You're lost. Is this even worth my time? Yes. Why? Because I want to pay everything off. I want to know what I... Then why are you sitting there acting like you're cute and funny when you're not? What do you mean? I'm being respectful.

30:12What do I mean? Have you seen? You said... What's wrong with saying thanks? Come on, because you know what I was saying was objectively you are in a bad place. You're saying thanks? That is going to piss me the fuck off real quick. Okay, I'll take it back. Oh my gosh. Yeah, no. You and your boyfriend both, huh? You and your boyfriend both, both like this? No. Yeah, you're going to be the ones making kids somehow. No. No kids for me, thanks. Trust me. Yeah. You'll f***ing accidentally. No. Thank you. Nope. Don't say that. And how are his finances? What? How are his finances? They're fine. Doubt it.

30:57No, they are. You think you're not that bad. Yeah. What do you think your financial score is zero to ten? Zero being the worst, ten being the best. Like a three. Chiquino studies. No one ever do it. They all become morons. You are the... Is it a three? I'll calculate it at the end. I don't know your finances, okay? Jake kind of telling me to look at that account. I don't know. I go in blind with the audience. Oh, okay. Sick, dude. If you want your financial score, go to CalebHaner.com or click that link in the description below. It's a free assessment and you can see where you stand in the world of finances.

31:34And if you don't want to end up like a guest on the show, make sure you download our app, the DollarWise budgeting app. Take your free trial. Sign up for the annual version. I'll send you our cookbook. Sign in mail directly to your door. And if you want to take all of our educational programs, join DollarWise Central and you get them all for 80 % off, including the premium version of our app. It is the best bang for your buck. Go to DollarWise.com. Click that link below. CalebHaner.com slash apply to be on the show. Okay.

32:00oh that's just looking at you pisses me off oh i i don't like when i feel this way i'm i'm sorry audience i'm sorry audience why don't i like it or why do i feel it why do you feel that because you can i hate you what even is i don't even know what the name is account what is this what is that school first fcu oh yeah there's a credit card within my how long does this take to pay off. Well, here, here. Quiet now. The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial audit post shows.

32:43Exclusive and uncensored financial audit episodes. Our call-in show, Hammer It Out. And brand new shows, Fat and Fatter. That one is... I would go off-brand. Behind the audit... This was wild. Hammer vs. Internet.

33:07And 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. Submit proof of purchase at hammerelite.com and we'll reimburse you for the first month with a$10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea, this one isn't for you. Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay, it's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today, for free. You owe$1 ,430.

33:49Cardinal Lion,$1 ,500. Great, shocker. Minimum monthly payment,$69.

33:58Okay. Yeah, you made$83 of purchases and$17.70 of interest. Balance only went up. We're borderline at the limit. Only$1 ,430.80, which for credit cards isn't the highest, but just that alone, which is actually bad for you, by the way, but just that alone, how long does it take to pay off? Minimum monthly payments without making any purchases. How long? How long, big lady? 300. 300 what? Dollars? Are you giving me a math question?

34:35Chiquino studies. I don't do math. It's not math. I asked how long. Oh, but you said how much. How long? That would probably take me like 10 years. No, no, no, no, pause, pause. To be clear, you thought I asked how much does it take to pay off$1 ,300,$1 ,400, and you said$300. A month. If I paid$300 a month. Yeah, that would pay it off in a certain amount of time. Yeah, that's what I meant. So your minimum monthly payment is$69. So$250, so$251, and$2, and$3, and$4. What? I don't get that answer. Okay. Yeah, time. How many years? If I did the minimum? No purchases, minimum monthly payments only.

35:20Ten years. Eight years. You find that acceptable? You still living with mommy and daddy at 40? No. But you probably will. You have no hope of surviving on your own. Unless I start creating things. What are you going to create? I just told you. Other than pain and misery for men in front of you. Fashion, fashion brand, clothes. Look at you. What are you doing? I don't know. What's so fashionable? Look at you. I'm not trying to make clothes. Well, okay, see? No, I don't. Well, that's where my mind is at. I think that's what I want to do, but I don't want to spend more money if I don't have money.

35:54So that's why I don't want to start something I can't start if I don't have money. In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middlemen. Ben, I think I can make more money with clothing. Guys, if you want to dress like dumb. Okay, but Chicano studies, there's a Chicano culture.

36:38in LA the clothing like fashion culture over there is really big for the Chicanos as well and I think I would be really good in that but again I don't have money so I'm trying to like cause you spent it all I know I know how to make nachos in the microwave I've learned more than you did your entire four year degree it's fine but I just there's a lot of history and history is great but no offense it doesn't really land jobs I know We go to college to better our career. I think it was easy. You can get history from the internet. I think that's why I did it because it was easy. Huh? It was easy. It was an easy major.

37:16Well, no, it's a bullshit degree. It's a bullshit degree. I guess it's just for myself more than. No, instead of actually for yourself and bettering your life. Yeah. I got scared. I didn't want to do psychology. I thought I wouldn't do well. Who said you had to do psychology? I wanted to, but then I chickened out and I did. There are other options. Yeah. There are other options and please don't do psychology. I guess I just don't believe in myself. That's all. Well, fair enough, based on this. Yes, see? I'm trying to change that. I'm not trying to be mean, but I mean, look at you. I understand.

37:42You, again, have done nothing but failed. I'm not going to sugarcoat it. If I'm going to let you think you've been successful, I'm going to harm you. That's harming you. Okay. You have been a failure. You are a failure. You can turn it around, and I hope you do. But to think that this is anything other than a failure would be doing you a disservice. Yeah. Well, thanks for being honest. Well, I'm nothing but. I don't know. It's crazy. Kayser. What's Kayser? $60. What's Kayser? Kayser Health? Okay. I had to do a checkup. Good. Make sure you didn't get AIDS from all the needles. What? Why would I get that?

38:24No. Oh, there's more. Taste. Tea? Tasty? Oh, yeah. That's a tea place. And that is more important than every movie now. It wasn't. I didn't need to get that. It was too sugary. But you did, plus many things. Oh, the fact that it's too sugary, huh? Yeah. I should have bought half of the things I bought. I'm just so confused. Maybe I shouldn't eat. Who's buying your style? You look like you just walked out of Hot Topic. I'm so confused. What? Yes, I am so confused. Hot Topic? Yes. Or the other thing. Or Spencers. I don't know. I don't know what you're selling. Well, I'm not selling anything yet.

39:01I just have to make it. Guys, if you want to look like her, go to Dom. Dom has a terrible, go to domhasterriblefashion.com. It's not terrible. Tomhasterriblefashion.com and we'll set you up to look like her. It's not terrible. Tom looks like hottopic.com. Dom looks like hottopic.com. Hmm? Better. Better what? Better than Hot Topic. You look like the people that walk in and out of there, I'm not going to lie. You also look like the people I'm avoiding that are walking in and out of there, I'm not going to lie. Well, it's good I don't go to the malls anymore. You also look like you smell of dank.

39:32Not today. So if you put any real work into this business, this big ambition, this entrepreneurial spirit, please tell me about your real work. What do you mean? My job that I have right now?

39:45Don't get mad. I get confused. I feel like we're talking about a lot of things at once. Confusing? I just asked you a question. It was just a question. You said tell me about your work. Oh, to do this, your business, your entrepreneurial. I literally said your business, your entrepreneurialness. I've been asking chat GBT a lot of questions. And it's been helping me. I have a sewing machine, but I don't use it. I bought a desk to use my sewing machine, but I haven't used a desk or the sewing machine. I'm lazy. It's hard. Yeah, I'm lazy. That's the first actual reality thing you said. What do you do there?

40:28Work out. Okay. You're incredibly specific. You are just, you are incredible. I think those are the only things I have going. You paid$2 ,000 last year for tattoo? What tattoo? A loan for f*** sake. Dude, you could have paid off this credit card and more. And more! I did pay some of my credit cards off. They were higher. No. You just replaced them. Just like on this card, you just replaced them. You just f***ing replaced them. That is a lie. Nordstrom, you shouldn't be seen near a Nordstrom. That is way too expensive for you. You can't live alone. Why date this guy? You should break up with this guy.

41:04He's a failure. He's a failure. And he should break up with you because you're a failure. You guys are holding each other back in life. You enable each other to live at home instead of ever pushing yourselves next steps. No. Yes. No. Go ahead. Explain. Explain. We're two individual people. Two individual failures. Decisions. I don't know. Decisions to be failures? Okay, you both are living at home at 30. And you won't move out. You just said that's not a bad thing. It's not necessarily a bad thing, but when you base it off of what has led to it and what they're doing while they're there. For me.

41:37Yeah, you're a failure.

41:41Not too much. I feel like I'm being mean, but I really don't like people like you. Just to be candid. It's fine. Like, you guys just hold us back as like a society. How? Look at everything you're doing. You're trying to be cutesy and you think it's fun. It's because I'm spending money? You're going to get such a degree and you're going to milk the system eventually and you're going to cry about it. And it's just like, you just hold back everything. And it sucks. You purchased$63 on here. $138.23 of interest accrued. You owe$5 ,495.45. What's the limit on this? I think it's... Yeah, you have about$100 you can spend on it.

42:27You have about$100 you can spend on it. What is the limit? I'm sure you'll do. I think it went up. $5 ,600. It went up to$7 ,000. How long does this take to pay? It should. Well. I'm not going to use it. Bullshit. Look, you've used both cards to bring them up. Bullshit. Bullshit. Bullshit. How long does this take to pay off? Minimum with the payments only? No. Like 13 years. 17. Oh. We're going to be looking at mid. I'm not going to take that long, though. Yes, you will. No, you're going to take longer because you purchased. You don't want to. Yeah, all you do is purchase. That makes no sense.

42:59What you say that you want. Because I shouldn't eat. Huh? Are you telling me that? Huh? I shouldn't eat? Because all my money I spend on food. Dude,$300 of groceries and you'd be perfectly fine. And you live at home already. You think so? A month? Yes, we proved it. $250. And you can use our budget-friendly cookbook, okay? We will give you one. That would help. Yes, that'll help. But you actually have to meal prep and do s***. I will. No, you won't. I need it. Yes, you do, but you won't. Listen. Oh, this is what's going to happen. You don't believe in me. No, I don't, because look at your history.

43:29This is what, and you can prove it by coming on the follow-up channel, but this is, this is, this is, this is what. I'm going to prove you wrong. Then you're going to hate me more. This is what pisses me off about you. You say what you want, but then everything you do literally only does the opposite and takes you further away from it. Your words mean nothing. Nothing. I can't trust anything you say. Your words mean nothing. Your actions are so beyond counter what you say you want. Are you calling me a liar? I ain't calling you a truther. Yes. Well, I'm learning not to be a liar. How do you learn not to be a liar?

44:11Just don't be a liar. What the fuck are you talking about? It's not about being honest. It's about your actions. Your actions are completely opposite of what you say you want. And what you say you want just deflects the conversation so you can stop getting pushback. and the thing I'm calling you out about. And you're like, well, I want to fix that. That's just what someone says in this conversation when they're obviously doing the opposite, when they want me to back off from calling them out on that specific topic. If you actually wanted to not do the thing I'm calling you out on, you wouldn't do it.

44:42Well, I'll stop doing it. Hey guys, always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple of weeks back, I stumbled upon the social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors.

45:22There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now and you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now you can actually see what my portfolio looks like today. I'm being real though. There it is. I'm not lying. But that's all.

45:55Because I'm done being a failure. Doubt. Okay. Doubt. I believe in me. Based on. What do you mean? Based on why you've accomplished nothing. Not one time in your life have you accomplished something significant. Did you just fart? No. Your leather chairs. My nails. We don't have leather chairs. What do you mean? It's leather right here. No, it's not. Or whatever this is. I wouldn't fart on your show, okay? I think you just did. Not free. Huh? What? Oh, you're going to end up in the OF pipeline, aren't you? You totally are. This is where people let you go. No, that freaks me out. Out there in LA.

46:34That freaks me out. Oh, well, please don't even consider it. I won't. You're going in here with Jersey Mike's, more Kaiser, RX. Medicine.

46:51Too late fees this year so far. Where? Shut the f*** up. Oh, my Kaiser? I forgot to put the auto pay. It's on Nordstrom. Really? Yes! Oh, yeah, I didn't have auto pay on that one either. No, every time someone says this at the beginning, I know for a fact. I know for a fact at this point. If I see a military person, they're on disability for the rest of their life, no matter what. If I see someone that says they have never missed a payment, they definitely have. These are the two 100 % truths in financial audit, guys. And no matter what, someone will say, that's why I'm here. And you already did like five minutes in.

47:28$700 of interest accrued this year so far. What a joke. Over 30 % interest. What a joke. Two late payments this year so far. Six months in. What a joke. Five bucks in at this statement. Five bucks? Five bucks in at the time of this statement. That's no good. Show me a picture of him. Who? The boyfriend, the one we've talked about. Because I'm going to judge him. No. Well, he's not going to be on camera, but pull him out. If you want to wear weird leopard prints, go to domsleopardprints or nasty.com. Oh, yeah, this guy's a f***ing f***ing failure. A wannabe travel musician. Oh, yeah, this guy's never going to provide.

48:16what a joke this dude looks like he's from sublime in the 1990s this dude's injecting heroin twice a day that's insane no this guy will never be able to afford anything he's an emo weird LA freak of nature combined with different constructions of the human body this guy good luck man Good f***ing. You guys are never... Oh! That is the largest septum piercing I've ever seen in my life! Oh, you guys are perfect for each other. Please never reproduce. Whoa! If it f***ing goes down to it, it's like... Ugh. Who would play him in a movie? Who would play him? Are you looking somebody up? No. I'm looking up a picture of the person he's playing.

49:12because we don't show people without their consent on camera. If that's ever made it through, it was a technical accident that was fixed immediately. What does he look like on camera? What? Who would play him? Oh my God, I want to see.

49:31I found the perfect actor.

49:37What is going on here? What? No. That's what it looks like. And we love the Down Syndrome. We love the Down Syndrome. We're not critical of the Down Syndrome at all. They're the nicest people you've ever met. We love the Down Syndrome. We love the Down Syndrome. Good. Big fans of the Down Syndrome here. And the autistics. Give them all. We won't do eugenics. Bring them in. We love them here. I'm glad. Financial Auditor is big supportive of any and all

50:14people. What the fuck was that minimum I'm in? Nordstrom card. See, look, I get extra goonie, guys. I get extra goonie whenever they put a creature in front of me. This isn't my fault that I'm like this. It's her fault. Which means it's Lindsay's fault. Lindsay, it's your fault that I'm being a degenerate right now. And Colton's fault. And Jake's fault. The besties. And Jordan's fault. $194. in an order of them. I don't know how you're going to afford these minimum payments. They're stacking, they're stacking, they're stacking, they're stacking. And I hear that you blamed it when you called the producers.

50:48You blamed it on, oh, I have such a problem always wanting to treat people. You're blowing money on yourself on there and you won't even make your payments on time. Like, shut up. It is not you being a good person. I like buying gifts for people. Cool. That is not what got you into that debt. That is not what is maintaining that debt. So when When you use that weird deflection, it is bullshit. Yeah. It is bullshit. Also, you guys are never going to move in together. But it's fine. He makes no money. You're both going to live with your parents forever. Are you okay with that? Yes. Then what are we doing?

51:21What goals do you have? What ambition do you have? What can I help with? Because I know I'm losing it. I'm beating up a bit and it's fun. I want to be an entrepreneur and I want to. What? I'm letting you know my dreams. Yes, please tell. Please tell. Yeah. Please tell your dreams. Let's see if I can help you get there. Because again, again, I know we're beating her up. We're having fun. We're giving some good roasts. And, you know, and actually I legitimately was very pissed off earlier, as you guys can probably tell. But it happens. I am only human. But, you know, thank you for consenting to all that.

51:54But even with that, let's see if I can help you get to your goal. What is your goal? What are your dreams, your aspirations? To have my own brand. But that also, again, involves money. and I want to be out of debt so I can make that happen. But I don't know how long that's going to take. But I want to pay it. You want to have your own brand. And what's your brand, lady? Clothing brand? Either gym clothes? Oh, no one else is doing that. We haven't had literally five other guests in the show's history wanting to do that. Gym clothes? Really? Yes! Athletic wear! Athletic wear. Well, it's, I wanted to be, I wanted to be.

52:40I haven't seen, but there's not a Chicano one. Great. You'll cater to five people. Latinas. Yes. More than, yeah, but Latinos will probably just go by Lululemon. Lululemon. And Fabletics. Yeah, but not Latinas. Like they'll probably go brands that exist that are good. But this brand could be good. You know? All right, guys. Streetwear. You know, all the cute stuff. I will allow it. I will allow it for this one time only. I will allow the plug. Guys, if you want to see her brand, go to Dom definitely has a brand and a Down Syndrome Boyfriend dot com. And you can get access to all of her clothing today.

53:18What the wait, what is this? Shop your way. This looks like the best bike car, but it's not. That's a Sears one. You have a Sears car. I know it still exists. Whoa, we're in the 80s right now. What are you getting? Yeah, that one. No, no. What are you getting? Like, I'm so curious. What the fuck do you even get on a Sears card? Some random stuff, I guess. Okay. It started with the jewelry stand. They're like, you can get so-and-so off if you open a credit card. I was like, okay. Then I did it. Oh, they're so fucking good at getting you. They are. Now you owe$5 ,618.81. They're good at getting you because you don't have a single ounce of maturity.

53:52You want to be an entrepreneur living at home, but you've never accomplished anything in your life. Good luck. I hope you do. Well, where do I start? One, get an idea that's unique. I guarantee you there's a thousand Latina athletic brands out there. I guarantee you. Okay. Okay? Okay. So do something no one's ever done. Let's just use my example. Let's stroke my ego real quick, okay? Let's have a little ego stroke. I don't even know what that was.

54:22When I write music, and I was able to make a living off a composer, very rare thing. It's really cool. I wanted to write a piece of music that I wanted to hear that no one else heard. When I thought about making content, I made a show that I wanted to watch, but didn't exist yet. So I made financial audit. That's how you have to think about it. What market is not being served? Or if there is a market that is being served, what can you do so substantially better in such a unique way that it will surpass those other brands? Those are the two ways you essentially have to go about it. This is the most simple, easy version.

54:56guaranteed there's like 50 Latino athletic wares. I mean, you're not going to get there. I'm sorry. Like, you'll have some friends and family support it, but this is not revolutionary enough to get you there. Or you haven't told me what is going to be so beyond industry changing that no one else is doing that you're bringing to that. Do you have that answer? No. See, you're like, no offense to 90 % of the entrepreneurs, and I'm glad we have an entrepreneurial culture, and I'm glad I want you to risk things. I want you to lose, lose, lose until you find the thing that wins. That is not a bad thing.

55:28What is so bad is everyone talks about what they want to do. Then they sit on it forever. Then they imagine it. They dream about it. And they never do it. That's me. And then you just live at home. Yes, exactly. That is just you. So I'm trying to get out of doing that. But I guess it's just trying. 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?

56:04Or 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. Try new things? I want you to pursue a career. And if something hits you and you're able to research it properly, then maybe we can start a business on the side. Ever go full in. I'm very blessed. The audience is amazing. I got super lucky that this took off pretty quick. But even still, I had to work my job many months before I went full into this. And I was not willing to just quit my job and start this. Because who knows? This wasn't even started as a career.

56:40Of course, I hoped I could make money off of it. I was hoping it would be a little extra money. Then I was like, oh, shit, I made a little extra money. Hopefully, I can make full time off of this. Oh, shit, I can make full time of this? Maybe I can build a business. Oh, shit, I built a business. It's really cool. But never start with, that's where I'm going to be. Let me quit everything and go there. Because that's too risky. Plus, you have so much debt. Listen, there's Latina Lifters. There's Diosa Fit. Z-F-I-T-C-O. Rare Fit. Soul Work. Feruza Athletics. JZD. Curvas Latina. Port de Bras. Charlie.

57:13In the Mexico version. Those are the top 10 Latina owned and focused athletic brands. I never heard of any one of them. And yet they're probably selling and making money, whereas you wouldn't. Yeah. Off the bat, again, you might make some supplemental income, but that's a hobby. That's a hobby. And a hobby's okay. Hobby's not something that I'm going to look down on. But I just don't want you to jump into this and think, I don't want you to just sit stagnant as you have the last 12 years of your life thinking that eventually I'm going to do this thing and it's going to be successful. You're never going to get anywhere with that.

57:48Yeah. And that's just real. and I'm sorry. And I'll give you a course career certification if you want to go into a different career field so you can make more money. It's great. Our audience uses them. I would have if I knew about them before I did all this. That would help. Okay, so this credit card's stupid, of course. $5 ,618. 19 years to pay off. Yeah, you'll be 50. 50? You okay with that? Yeah, but I want to pay it faster than that. Yes, but you do nothing to do that. In fact, all you've done is purchase and accrue interest. Your credit card balance went down just a few bucks. It's so insignificant.

58:25The minimum monthly payment is$201, so you wouldn't even be able to move out even if you wanted to. And what is it? Uber One. That is what you have on here, a reoccurring subscription. Oh, yeah. $750 basically rounded in interest lost this year alone on this card. We're well over 1 ,000, close to 1 ,500. On both of these, on all three of these together? That's substantial for you. I know. It's at a 33.24 % interest rate. That's all you get me. No, no, no. You got yourself because you have a lack of maturity. You're not able to say no. You're not able to recognize you're not a credit card person.

59:01So maybe I shouldn't take advantage of a tool that I'm incapable of taking advantage of because all it does is damage me. Yeah. But I don't want to cancel that one. You call. I would try. And you close it. You call and you close it. You call and you close it. What's crazy? Nothing I thought I did when I took it off from the PayPal. And now I went to another card. Taking it from a tap pay you think closes the card? Come on. Stop it. Well, not the card. The Uber payment or the charge. You probably had a backup payment on there. I didn't know that. That's crazy. You probably had a backup payment on the account.

59:39Well, I learned something new. Just cancel the subscription instead of... I tried on the app. On the Uber app? Let me. Yeah. On the Uber app. Oh, no, what happened is I don't have access to my Yahoo email, and then I can't... Pull out your phone! What? Pull out your phone. For that Yahoo one? Just pull out your phone! Okay, what next? Give! But you need my passcode. Open. Oh, you little f***ing tit. Oh, this phone's horrible. What did you do? You've dropped it so many times. I need to get a new screen protector. No, you need a new screen. It's a sticker. You can't protect this anymore. Oh, that's this.

1:00:24Okay, good. Because my phone is hard. I just can't find the runs. Why isn't your Uber One subscription on here? That's what I'm saying. I don't know what Uber One is. Oh, what are these memberships you've had? SculptU, Lively, Home AI, Photo Leap, Microfactor, Meal Q, TV Remote. You have iCloud Plus right now, which is. I have a lot of. It's okay. What happened? How did I take it off? Huh? What'd you do? Nothing, because it wasn't in there. I thought it may have been in there. That's what I mean. I don't know what Uber one is. Okay, care credit. Oh, yeah. Oh, yeah? Okay.

1:01:06$3 ,590.34. Of course, there's interest. $84.57. $121 minimum fee payment. 15 years to pay this one off. What is going on with this card? What? Oh, okay. Interest this year so far,$538. So what are we at? Like$2 ,000 now? It's at 26.99%. What's going on with this? The care credit is, well, supposed to be for health and vet stuff. I have dogs. And? And I use them on my dogs. How often do you have dog insurance? No. Why? Because I heard that's a scam. It's not if you get good ones. It's safety, tens of thousands Which one should I get? Brandon, which one should she get? Spot pets Spot pets Really?

1:01:53Spot pet's pretty good. Lemonade's pretty good. There's some good ones out there. Because I have a big dog and sometimes he gets hurt. If he has all these X things before that you've had it taken care of, he may not qualify. Or he might not qualify for much. Or your payment might be absolutely insane. Also, tell us the real reason you got the big bill. Which one? Big bill. On this one? I don't know. I've been using it. Your dog ate your roommate's magic mushrooms. Oh, yeah. My wiener dog. Yeah, that's my other dog. Yeah, that one was like 900 or almost 1 ,000. Yeah. What the fuck is wrong with you?

1:02:28It was me. It was my roommate's boyfriend's fault. Like, listen, if you can't afford to have dogs, even while living in a home, you just can't have dogs because it's not fair to the dogs. I know it's not, but one of them was pushed on me. Pushed on you? Tell me. It was my brother's dog, and he moved down with his girlfriend, had a kid, can't take the big dog to the apartment. So I stepped in. For fuck's sake, what is this card? What is that? What is that? I'm asking. What is it? What is that? What is it? I don't know. Oh, my. What is the account? It doesn't have any branding. What is this? Yeah.

1:03:01What do you see at the bottom, by the way? Oh, smile. Yeah. What do you see at the bottom? It's for my. Wisdom teeth. What's highlighted. But to avoid paying a cured interest. What's highlighted? Come on. The late fee. Why is there? Why? What was it? The late fee. The person who never has late fees? Yeah. It's because I didn't put auto pay. That's still a late fee. I know, I forgot. So because you got a late fee because you forgot you actually never had a late fee, is that the mathematical equation? No, I just forget that I get late fees if I don't add auto pay, but majority of all my stuff is auto pay.

1:03:35So to be extra clear, a late fee because I forgot about the payment equals I've never had late fees? That's the mathematical equation. Yes. Okay. It kind of makes sense, but yeah. What is it called again? Smile? Yeah, my dentist offers it. And I got my wisdom teeth pulled out. So I like to tell you guys exactly what I'm doing with my own money, my own investing and things like that. And a lot of you know that I was investing in an app called Moo Moo for a while. That's where I was doing my brokerage trades. But honestly, I decided I kind of wanted to move on from the over complexity because it should just be simple, honestly.

1:04:14So I decided to search far and wide for a new partner to work with to move my portfolio over and to trade out of in a consistent basis. and I picked Webull because they have a great reputation online. So I got with them and I was like, okay, I'm going to switch my stuff over. And a lot of people in the audience, maybe they want to switch their stuff over as well because they kind of like to follow what I do when I put my money places. So we worked with them and we negotiated some incredible signup benefits and transfer benefits if you decide to use Webull. It is incredible. It is such an upgrade of a platform.

1:04:47and I wish I did this a year ago or so and I feel dumb that I didn't. So here it is right here in the description. You can see you get a$200 ,000 to$30 ,000 cash bonus when you sign up or transfer. Also 12 months, a Wall Street Journal premium, a 3.5 IRA match and 30 days of Webull premium. So listen, this is such an upgrade. I feel like an idiot again that I haven't done this forever ago. That's where I moved and I think that's where you should move as well. Check it out. Top of the resources section in the description below. Yeah, interest accruing 41. What? I didn't want to go to Mexico again because I went to Mexico for my other wisdom teeth.

1:05:21Oh, for f***ing sake. It was like$150. It was cheap. $1 ,196. Just hold on here. Interest accruing$41. $48 minimum monthly payment. Seven years to pay off. Why do this for seven f***ing years? I'm not going to do it for seven years. Yeah, except that's exactly what you're going to do. It starts after 12 months. It is interest accruing right now. What are you talking about? Really? That's what they said. Really? Yes. Where? Well, let me see that, actually. Sorry, maybe that was fees. I apologize. Yeah, that was the late fee. That was the late fee. Guys, reminder, I'm going to pay this off earlier.

1:05:57How am I doing that? By paying late and getting extra charges. Please make that make sense. And you're right. It is interest-free for an house. Shut the fuck up. It was an accident, which is why we've had three this year. Those are accidents. I just got it, too. Dude, you're broken. You're never going to get anywhere. I'm so sorry. I know I'm being rude, but it's true. It's fine, but I just got it. I don't give a f***. I should have did all the pay down right away. It's true. In about a year, the interest will accrue. Unless they pay it off within the year. Oh, good. You're not going to because you're late.

1:06:26Shut the f*** up. I don't know how you've survived this so far. This year, this f***ing life. Interest is accruing like mad.

1:06:38PayPal credit. What's going on with this? Clothes Or shoes Oh clothes Not closed Fuck okay $1 ,094.07 And on here you're just getting Chewy's Chewy can be expensive Depending on how much you're getting What are you getting on Chewy? My dog food It's a 40 pound bag of dog food What is this? Deferred named? What is named? Named collective Oh I don't know That was$153.35. Yeah, it was a sweater. Come on. So do we want to get out of debt or are we getting sweaters? Because so far it just seems sweaters and bullshit. Listen,$240 of purchases on here when you only made$150 payment. Minimum monthly is$33.

1:07:30Like it says it takes seven years to pay off. Some of these are deferred interest, but also interest is already accruing. So clearly some from the past aren't. $23.67. some are coming at 28 some are coming at 30 this one's at 30 the one that's live that expires that expires in a couple months and you're not you're never gonna yeah dude I don't know this is a mess what expires? and it's one of them one of your deferreds you have deferreds and obviously you never pay them off until and before the deferred interest hits you never do that how do I know? cause interest hits you have interest hitting constantly 140 bucks in interest this year so far.

1:08:11PayPal credit's dangerous for you to have because it's so easy to just finance things. Speaking of dangerous for you to have a firm.

1:08:20Yeah. What are you doing? Close. Mashify. Pull out your firm. No, this is Amazon. This is Amazon right here. Pull out your firm. Let me see. I don't think I have the app. So you just go on the website? Um, yeah. Why should I have that? No, pull up your Amazon app though. Who knows what you owe on a firm right now? Hold on. Let me see. Pick a login really fast. 157. I'm going to call $157 with a$78 minimum monthly payment. Pull up your Amazon. Pull up your Amazon. Pull up your Amazon. Oh my gosh. Lady, listen. I'm moving the show along. Move up your Amazon. Just give. Just give. I can do it. I can pull up apps.

1:09:09pull the mic to your face okay you moved your face to the mic but that's okay what? Naked Essentials dry food for dogs? You already get on Chewy's there's more dog food 11 things in the cart what are they? protein smoothie, protein things necklace more of those interesting Netflix's sectional couch covers coffee and mugs we really need a back massager awesome like my daughter are you a mother? no that's from my dad I didn't buy it couch cushion covers heat press machine no don't do it don't invest into this business don't invest into this business yet you're not there do not invest into this please don't please okay not yet not yet yes exactly not yet you just have so much debt what the f is this what half is this what are you getting fashion and dolls kill in nike is it clara yeah i think so good

1:10:24what no what i'm just laughing because oh my god it's a lot and you think it's cute it's not okay Klarna you'll be Klarna and DoorDash before you know it trust me $674.03 it's your balance with a minimum payment of

1:10:50$274.39 and then interest is hitting of course yes What? Welcome to how they make money. What do you mean? Yeah, but that's 36 cents. Yeah, but this is just great. If you were paying interest instead of... Yeah, but it's 36 cents. You're going to live at home forever. Literally forever. It's fine. Ulta beauty card. It's fine. Exactly. I don't know why the fuck I'm talking to you. What's wrong? You just said there's nothing wrong with that. And then now you're saying there's something wrong with that. Context. Context. A lot of other cultures do it, but you're only doing it because you want to just spend everything.

1:11:28But you do. You spend way more than you make. That is objectively true. Okay. So what the f*** are you talking about? So you can build your business, your make-believe business that you've never done, so you can do a worthless degree. I want to spend time with my family, my parents. You can do that without living at home and having independence and making progress in your life. But when I was trying to do that, I got a debt. LA's a big city. You can live in a lot of people. Yes, because you can't manage finances because you're incapable of maturity. Because you're incapable of maturity. I'm not educated in it.

1:11:54No. No. Listen, I'll put you through our budgeting program. I'll get you in DollarWise Central where you get all of our classes, including all future classes, okay? It saves 80 % for these guys, but you get it for free. So take our budgeting class, investing class, debt class, real estate class, recession class, everything you can do and take advantage of the budgeting app. That'll actually teach you. If we're going to use the I was uneducated, excuse. I will get educated. If we're going to use that, you can get educated, but that is also stupid. You can figure out rent. you can figure out rent, dude.

1:12:29You didn't go into debt because you lived on your own. You went into debt because you're incapable of acting mature and telling yourself no. Interest is accruing on here. You owe$233.79 with a minimum monthly payment of$30. Interest is accruing. Takes nine months to pay off. to the 31.24 % interest rate. What a joke. Nine months. Yes. I could pay that off. And here's your school for stupid fucking loans. No, you're kidding. You overdraft every second of life. And this is, this brings us back to the beginning of the conversation. It's not you living on your own is what got you into debt. You're still overdrafting now.

1:13:14You're going further into debt via overdrafting because you have an overdraft loan. That is so fucking stupid. Do you hear that? Overdraft loan. Yeah. I shouldn't be saying those words. Then why did they give that out? That is your immaturity and inability to control your spending or maturity. This is so f***ing stupid. Okay, overdraft loan. Yes. Wait, no, we start with a personal loan. There's a personal loan. Why do you have a personal loan of$7 ,942? Because I took it out to pay my other loans. What loans? I mean, not my loans, my debt. But then the credit cards. Here it is, ladies and gentlemen.

1:14:00Why you should never do that? Are you kidding me? You did it before change your behavior. Now we're right back where we were. Except we have double the debt now. It's so moronic. Do you want to know something else? Honestly, no. Okay, cool. So it probably pissed you off even more. What? I got a personal loan before that was 10K too. And I paid it off. and then a few months after, I think, or six months, another one. Why do you do the things that you do? $287 minimum monthly payment and 82 cents. When did you take this out? This balance is substantial. The interest rate is horrendous at 16, and the payment is horrible and it's stacking monumentally.

1:14:46When did I take it out? Last year, I think, February. If I don't even trust you, whatever. $90 payment is due on the overdraft fee. How am I sitting at? $2 ,908.81. So ridiculous. With an interest rate of 18%. 18 % horrible overdraft. You've overdraft up to$3 ,000. I would be embarrassed. I would be disgusted. I am, in fact, disgusted. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list, even those who are hard to shop for.

1:15:42toys and jewelry to new beauty brands and styles these gifts go seamlessly from our stores to under your tree seriously with these savings why shop anywhere else

1:15:57it could be worse what's the point of saying that can you tell me myself feel better there it is so you can sleep at night. Where honestly, you should be working and paying off debt and stressing about it. So I shouldn't sleep. I'm not saying that. But you're just saying that it's a cope and then you're never making any progress because you tell yourself that and then you're okay. You're not okay. And you shouldn't be okay. You shouldn't be telling yourself you're okay. You're not okay. You're a mess. You're a disaster. You're a joke. And you should be taking every nuclear option necessary to pay off this debt.

1:16:36Okay, what? Not eat? Or eat less? or not eat out and not buy stuff. We've already been through this. Shut up. I'm not talking. I'm not talking you through that. I've already answered that question. Okay. I'm not wasting my time and vocal cords and breath and oxygen on that dumb ass. Stop. That's fine. Great. You have a Volkswagen Beetle. Yes. She's cute. You owe$7 ,463.26. Minimum monthly payment,$3.05. What is the interest? Do you know the interest? Would you know the interest? No, I don't. Do you actually not know? I don't. You really don't know?

1:17:25Oh, we don't know the interest rate either, so I'm guessing it's not good because you don't have credit. What do you think the worth is? What do you think it's worth? The interest rate. The car. Oh. Interest rates aren't worth something. How much it's worth now? Well, where I bought it. Yes, the car. How much do you think it's worth? Now I'm like$13 ,000. Yes, now. $13 ,000 and I bought it for$17 ,000. You owe$7 ,463 and you think it's worth$13 ,000. It's worth$7 ,500. Technically, it is worth what you owe. I don't know what the interest rate is. Probably more. It's probably horrendous and I don't need to know.

1:18:06But it's probably horrendous. Listen, this isn't the absolute worst, but for stacking up against all your other debt, it's stupid. And I bet the interest rate actually does make it absolutely horrible. Yeah. This is sad. It's fine. It's fine. I'm very disappointed in this conversation. It saves gas. I'm very disappointed in this conversation. Why?

1:18:32Push through. and here we arrive to the student loans for the special degree. Yes. Okay. So, listen, the$8 ,813.40, it's not, I don't want to use the, it's not the worst because that's what you guys use for your detriment. But that's, listen,$40 ,000 is the median. That's the average student loans that people graduate with, right? Yeah. And 40 % of people who borrow for student loans drop out. At least you graduated, you finish it. Easy to agree. It helps. But you did do it, and we do like to see that. And student loans is lower. And again, they're actually all below 4 % interest rate. So I'm not freaking out about these, but what's your payment?

1:19:25My pay? Sorry, I... Lady! I got scared. What? You got scared? Yeah, because you're going to be like, another late payment? What's your payment on this? $87. And that sounds close to about right. Just the minimum, yeah. Yeah. Okay. I mean, I don't know. You didn't send me a statement of your account. You just sent me a screenshot of what. You sent me a screenshot of the website. So I can't see your payment history. I can't see if you've had late payments. I do. I'm being honest with you. So you were lying at the beginning? I thought you were doing that. Were you actually lying at the beginning?

1:20:02I told you. I said you called me a liar, so I was lying. But I didn't know I was lying until we came through it. That's so moronic. I forget. Late pin, they'll garnish your wages. I forgot. They'll garnish. Do you remember there was a pause? Yes. Yes. And then the pause. The pause finished a year and a half ago. I forgot about it. It's been a year and a stupid f*** up. So I had to pay, I think, like$262 because of that. Good. You deserve it. Yeah. And I did pay it. When was the last time you were late to your own knowledge? Last month. You entitled spoiled brat. Come on. The way you live your life.

1:20:53Why? It's ridiculous. Shut the f*** up. You go and you spend all this money on clothes and food and bullshit, bullshit, bullshit, bullshit. And then you don't make your$87 student loan payment because you refuse to put it on an automatic payment. Yes. What a brat. I forgot. And your parents support this. They enable you by allowing you to stay there. No. They should kick you out. They should kick you out. Well, they won't. They should kick you out. If they loved you, they'd kick you out. They won't. Where am I going to go? That's on you to figure out. It's time to grow the f*** up. Listen, this is...

1:21:29I tried it, though. No, no, no, no. Shut the f***. You did not try. You don't know what trying is. Shut up. My vocal cords hurt. Shut up. Listen, you've never tried. You don't know what trying is. They should kick you out so you can figure it out. They're enabling you by allowing you to stay there. Do I live in my little beetle? Sure, if you have to. Because you'll figure it the f*** out. You don't make insignificant money. For LA, yes, it's on the lower end, but there are roommates. There are roommates. In fact, you have a significant other for two years. But that's the same thing, though. Shut up.

1:21:58Why would I want roommates if I could be with family? I'm so done with you. No, no, no. I'm okay with you wanting to be with family. They're allowing you to put your life on hold and act like a little brat forever. They should kick you out for you so you can figure out or die trying. You're never going to make progress in life. And this is clear as no. No, you're not. Shut up. I hate talking to you. You're so annoying You're an actual annoying person And it's not cute That's fine You're disgusting That's fine No, you're disgusting You are disgusting No, I'm not Yes, you legitimately are Financially?

1:22:39Financially The way you live your life is disgusting No Yes No You're selling out money Liquor market Who would've thought Sandwiches That's next to my job Shut the fuck up. I don't give a shit about anything you have to say. I don't care anymore. I do not care about anything you have to say anymore. Okay. There's not a single thing you could say that I give a fuck about at this point. You leech off your parents. You leech off the system and you do nothing. The system? How did I leech off the system? Not paying your student loans. But I just told you I made a big payment because of that. Maybe payment and then miss our last month.

1:23:17Now I'm. Shut the f - And then PayPal out Nordstrom Yeah let's go to Nordstrom But not pay our student loans Oh guess what This Nordstrom This Nordstrom one Is worth two Of our student loan payments Two and a half TJ Maxx State Bro Jersey Mike's Cream Coffee Shop Beverages and More Scentbird Yardhouse Cream Coffee Shop Villains Yeah you're the villain In my f - Art today State Bro Refair.com Renaissance Fair Amazon PayPal Well, Woodrow, Zelle, Chick Fresca's, Green Bliss Cafe. Zelle and I'm money. Who knows where? $200. Zelle and I'm money. Who knows where? $108. Target, fuck you. I barely got it.

1:24:02Shut up. PayPal, Naktor Juice Bar, Amazon, Your Girl. State Bro, School First. The other is that. Target, TJ Maxx, Basket Taco, Paper Rice, Star Cone. But these are the people that want to beg for money, saying life is hard, ladies and gentlemen. I'm giving up. This is going to make me turn into an old boomer, I swear, man. It says people like you. People like you are just such a leech on society. Venmo, ice cream, Venmo, La Chica's Fresca, at least you're using your f***ing degree. Zelling out money, Starbucks, Amazon Fresh, Toys LLC,$51. Apple Cash$7.26. Oh, that's for buying something in Cupertino.

1:24:51Or something at least that was based there. No, Apple Cash. Cupertino's were Apple's based. I don't know. Krispy Kreme. What a joke. What a fucking joke, man. It's all food. Shut up. I don't want to hear you. I just don't want to hear you. $292 in our retirement at$30. you are the person who blows all their money goes into debt gets enabled their entire life refuses to sacrifice put anything away for retirement and then it comes retirement time and then you cry you cry that there's no money for you you cry that people aren't paying enough taxes so that you can have more money when you have done nothing your entire life and you've been enabled and you've just been a spoiled brat and you did nothing to prepare you for your future so other people have to put their future building slower in order to give you more money.

1:25:50Who's giving me more money? When you come and beg at retirement saying you don't have enough, give me, give me, please. Give me, give me. Yes, you will. I'm going to make it out all of this. All of this. I could do it with your budget plan. Shut the f*** up. I'm sorry. I am determined. You think I'm lying, but I'm not. being serious. I know everyone says that when they come here, but I'm being serious.

1:26:16I'll prove you wrong. Let's see if we can even make you a budget. I'm going to attempt, ladies and gentlemen, for you. Something can get, someone can get something out of this episode. Certainly not me. Pain and misery, sorry. I'm being negative. Total income, what is that? $4 ,500 on a monthly basis? Yeah. Not counting that other bullshit, honestly. I'm setting money aside for taxes We didn't even get to talk about that And there's no point of it because you wouldn't anyway Yeah you know you're not paying taxes On your contract income right

1:26:54What is happening Gentlemen I'm scared She brought her Evil nature in here My ancestors are here Yeah and they No you embarrass them and they're trying to punish

1:27:10I mean, a loan, your minimum fee payments, nothing beneficial except your student loans, except not because of your choices are$1 ,819.17. What a f***ing, what? It's so horrible. That's 40 % of your income because of your spending, because if you're undisciplined, because you just want to spoil yourself and be bougie and all this stuff and get worthless degrees. Because of that, 40 % of your income goes to debt. Yeah, you're right. You can move out now all because of your choices. So now you force yourself to live there and they should still kick you out and force you to go through bankruptcy so you can learn something.

1:27:44Your rent's$250. Your rent's$250. Okay. That includes utilities, internet, all that stuff, right? How does the grocery situation work with the household? I buy out. Oh, lady, we are so close to the end. Please do not. f***ing... Are my mom... Please grow some intelligence. How do groceries work at the household? I buy groceries. My mom buys groceries. Okay, so you don't have to buy all the groceries? No. I'm going to give you$200 for f***ing groceries. Well, thanks. $100 for TP fund. Anything else you need to survive? I'm going to give you$20,$25 for subscriptions. You figure out where it goes.

1:28:25Pet insurance, good luck now with those things. Pet food? Pet food? It's 80 bucks. It's a lot. My dog is like 85 pounds. Car insurance? Every three months, it's 450. Every three months. Surprised you can afford that bill when it happens, but 150 a month. Gas? Gas month, 40 a week, maybe. 120? Yeah. Phone bill? Phone bill's 50. That's not horrible. Healthcare, co-pays, anything? From Kaiser, it's like$8 a month. Okay. And then how often do you go in? Not that often. Okay. We'll do that. Anything else that needs to be in your budget? Gym? Yeah, gym's$30 a month. Anything else that needs to be in your budget?

1:29:22Nope. That's gas and food. That's gym. Nope, nope, nope, nope. Nope. Dog food. is it going through the mall again what are you doing who else you okay over there yeah I'm just thinking you're making noises and I'm thinking yeah

1:29:48you're fine put in rent that would be a little difficult but you actually could with the roommates $2 ,832.17 or boyfriend except we know he doesn't make money I'm gonna call him in the post show by the way You're not. I'm calling him in the post show. He's at work. I don't give a... He doesn't work. Yeah, he... I'm going to call him in the post show. No. His work is playing on his little guitar. No, that's his side stuff.

1:30:14$1 ,667. I'm going to minus your student loans. I'm going to$46 ,220.04 at the current rate if you actually budget, which I honestly don't think you will because you're stuck in the... I don't know. I hope you do. I hope you do. I will. Takes 22 months, so two years. That's not bad. That is worth it. Takes less than two years. Get a fully funded emergency fund. Let's call it two and a half years total. Pay off debt. Get a fully funded emergency fund. Move the f*** out. Becoming an adult. Bash and ban can be a thing. I'm going to give her our Hammer Financial Score. But guys, remember, this month only, Hammer Elite, the best YouTube membership on the platform, is free.

1:30:50All you have to do, subscribe below, and then submit proof of purchase at HammerElite.com. will reimburse you with a gift card that can be spent anywhere and in most countries. Transfer the post show for this. Joy and Hammer Elite. Spending in a budget, your Hammer financial score is... You overspend, 0 out of 10. Dap, this is pretty much the worst thing you can get besides collection. Actually, that overdraft, I'm considering that basically collections are 0 out of 10. Never seen anything like that in my life. It's ridiculous. Merchants fund, absolutely nothing. 0 out of 10. Retirement, barely.

1:31:201 out of 10. Real estate, 0 out of 10. Hammer financial score rounded up just to be generous, 0.5 out of 10. We're going to call the boyfriend and talk about other juicy information in the post show. Join it for free. Join it for free. See you in the post show. Bye. You're coming on this show. You think you could go to Vegas? It's a family trip. F*** your family. No. Listen, I've been listening for an hour and a f***ing half. What have I taken away from this? You're really screwing yourself over for the future, it seems like. This overdraft loan is crazy. Exclusive members content. click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content next up is a little song from carmax about selling a car your way you wanna sell those wheels you wanna get a carmax instant offer so fast wanna take a sec to think about it or like a month wanna keep tabs on that instant offer with offer watch wanna have carmax pick it up from

1:32:25So, want to drive? CarMax. Pickup not available everywhere. Restrictions and fee may apply.