She Blames MAGA For Her Debt | Financial Audit

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24:49Limited seats available, and they're filling fast. Grab yours now via the link in the description. P.S. Join the WhatsApp community to stay updated before the big blast. Doesn't matter who the president is. Unless they do something that is dramatically affecting your business, tariffs have affected some businesses. For sure. It's been really hard to get some of the products that I like to use. Some of my clients prefer to use because of where they ship in from. They no longer ship to here. Believe it or not, you're not the only salon in this entire country. So other people are figuring out a way.

25:18I can't speak in it. I don't own a salon. Yeah. But to suggest that you can't, f*** off. So, he pays all the rent and utilities? He pays the rent and utilities for the shop. No, he hasn't missed it. My goodness, why are you, are you even dating him to date him? Yeah. Or are you f***ing businessing him? No, absolutely dating him to date him. I don't know what I would do in life without him, actually. And what's the owner going to sell the building for? That discussion hasn't entirely been had yet because we are not all there yet. He's not ready to sell it yet. Oh! But that was his deciding factor in picking us to take the space.

25:53Does he know how you are? No. They get their rent checks on time. So outside of that, they don't need to know. Oh, the budget for fully building out? Started at 20, ended up going to 30, and then 40 to 50? What the f***? Oh, now it's going to be upwards to 70? Started at 20, went to 70? Yeah. See, that's you. That's not... That's actually not. Come on. Tariffs didn't move it from 20 to 70. No, it's not tariffs. Then what the f*** are you talking about? The building measurements that we got. 70? The building measurements that we got originally, we had built a whole business plan around it. $1 ,400.

26:25And then utilities, I'm going to call$16 ,000. Utilities are actually only about$250 ,000 right now. Okay, so$16 ,50. So once it goes up. Okay. Oh, yeah. Once it's full, it goes up. $17 ,50. Dude. So$63 ,000 is your entire cost of that, and then the$70 ,000 build out. Yeah. And then your inspections will apply. And then you're going to have about a year and a half. So in your year and a half, essentially what you have to do.

27:00You need to bring in just to break even$7 ,388. Yes. A month. Ford Blue Cruise hands-free highway driving takes the work out of being behind the wheel. Allowing you to relax and reconnect while also staying in control. Enjoy the drive in Blue Cruise enabled vehicles like the F-150, Explorer, and Mustang Mach-E. Available feature on equipped vehicles. Terms apply. Does not replace safe driving. See Ford.com slash Blue Cruise for more details. Yes.

27:41Good luck. Doc, no one rents something for$1 ,500 in subleases for$7 ,300,$400 a month. That is not, you will lose money. Let's just be clear. No, you will lose money. If your business is failing because the economy is turned down, you think you're going to lease out seven units? The hope that it was going to overturn. We're going to get successful people in there and it was going to all be fine. Sure, you might get some people in there. 7 ,400 hours a month just to break even for the year and a half you'll have left? No. Maybe. What are you renting per unit for, you tit? I have two of them. Rent for each of the rooms is, six of the rooms are 900 a month.

28:30And I have one room, it's a double room. So there's two chairs in it and that is$1 ,750 a month. Good fucking luck. What are you renting yours out for? $580.

28:43You're so f***ed. It is not built out as a salon, though. I had to put in all the plumbing and everything. So what we're building... First of all, even your math doesn't add up to what you need to break even. You're going to fully lose money. Because even you overcharging, let's be honest... It's actually under for the area. Come on, you think everything is under. I doubt it. Come on, you're dramatically under where you're renting from. Oh, I am for where I'm renting from. The closest other set of actual salon suites, though, rents for almost twice as much as we have renting. Oh, fact check, by the way, only one suite is done.

29:15Yes. So I'm being told not to let you make it sound better than it is. Oh, God, no. Only one suite is done. $1 ,000 left. This has cost$70 ,000. One suite is done. And you say it's$1 ,000 to get the other six up and running? Nope. It's$1 ,000 to get it to where we can get a fire inspection and get it open. What, that one suite? No. There are other suites that we need to get sheetrock up in and get the ceiling put together. So all of that's about$1 ,000. No, it's not. No way. I refuse to believe. Because of the stuff we already have. But I've done office renovations. For sure. It's not start from scratch.

29:47It's three quarters of the way done. We just have to put it back together. Good. Oh, I have pictures. Yes, you do have pictures. I know. I didn't realize we were going to have pictures, so I just took random snaps the other day. Are you sure people are going to pay this money for it? Big guy, we got floating vinyl in millennial gray. Yes. You really wanted to lease out units in 2015? Not 2025? I mean, it's 2025. So that's what we're going to do. Yes, these are 2015 units, even though they're brand new. I'm floating vinyl. Not from what the other suites are around our area. You compare to everything.

30:30You don't actually try to stand out in the marketplace. That's how you make a killing. You are not going to be able to make your premium. That's fair. yours is brand new full built out. Yes. Floating 70 ,000 hours for that, I'm sorry, is horrendous. Well, we originally weren't having to plan on moving walls. We had to move walls. Oh my, this is. The original measurements we got were not accurate. So what we built our plan on originally was not having to move walls. So that's where the 20 to 30 came from. And then we got into it and the measurements weren't off by a few inches. They were off by a few feet.

31:06because someone else did them, and so we had to move walls. How'd you get to the studio today? I heard you're afraid of Ubering. I do not Uber when I'm by myself. I drove. I have a rental car. Why are you afraid of Ubering? Because I'm a single woman traveling on my own, and I can only fight so much, and I have kids to get home to. What do you think happens to single women in Ubers? I've got plenty of people who've almost been kidnapped in them. not saying everyone does that by any means hopefully it's happening far less i'm just not willing to risk it it was also cheaper to get a rental car for the driving from the airport to where i stayed and breakfasted here than it was to get an uber this so this guy 70 000 how have we invested this where's the money come from so the original plan that we had put together was that boyfriend was going to cover the rent and the utilities.

32:07He was going to take my car insurance, my car payment, and my phone bill. And then we were going to put the remodel stuff all on my credit cards because I had zero percent on all of them for at least a year when we started. It's been$70 ,000. And then my income was going to go all towards getting those credit cards paid on so we would essentially use my credit cards to get it all built out and as we made payments on them continue using them so we could finish it out and then once it's done then we since his income wouldn't have to go on our rent and utilities there anymore it could go back towards your job what hits your account on an average monthly basis after expenses Um, after expenses, based on my taxes last year, it's about a thousand dollars.

32:57Hey, yo, what the fuck? Wanna know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money is going every single month. Spending, subscriptions, and savings all in one simple dashboard. everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try it for free, plus three months for just$9.99.

33:30So you can finally take control and see what your money's been doing behind your back. Click below to get started. I can flare my nose too. I'm breathing. Stressfully. Hey, every day. Existential dread. Every day. Yes, I would be too if I had a failed business and I'm investing into more, hoping that other failed businesses are able to pay for my failed business. Just smile and wave, boys. What the f*** is wrong with you? A thousand hours a month? Uh-huh. You're a mother. That's unacceptable. It's not, but that's where it's at right now. It doesn't have to be. You do not have to be the self-employed queen, a businesswoman of the century on Time Magazine.

34:13You can go get a f***ing job! The problem is one of my children is special needs and to get him to appointments. Buddy, you're low income. I know for a fact you could have assistance. Especially in a major city. Especially in a major blue city. We do have some. I do have food stamps and I do get some child support. Child support? From daddy. How much comes in? From one of the dads. Oh, there's two dads. There are. I tried to do better with the second one, but it was worse.

34:46Is it you or them? Them. Absolutely them. A hundred percent them. Okay. Like I beat them out in court. A hundred percent them. Well, that's good. But you call yourself a wee, so I'm just struggling. I do. You also have a little bit of a victim complex. A little. It's been through a lot in my life. I'm working on it. That's what everyone says. I know. You want to know how much child support is? It's a hundred and I think it's 148. A month? A week. Oh, thank goodness. Because that's not much. I know. Times 52 divided by 12. So we'll average it out at 641.33 a month. Roughly. Why doesn't the other dad give money?

35:30Job hopping. Uh-huh. Yep. There's a whole lot going on in there. Uh-huh. When I do have child support from him. And food stamps? 321. Per? Month. Okay. I'll put that towards the grocery budget at the end. They lowered. 436. They lowered the limits. Lindsay said 436, yeah. Yeah, it went lower. Because I had a renewal. But the requirements... There's so much of this that's your choice, though. Some of it, yeah. You don't need to be doing this self-employed bull. Again, you're not trying to get on the cover of Time Magazine. Oh, absolutely not. Woman power. I don't give a f*** about that. Go work.

36:10A job. I'm trying to have a job that I won't lose if I have to go do something for my kids. What does he have? She, they, probably. He. He's back in regular school this year. We've done online school for two years. My oldest is doing it for a third year. Why? Because the school district, specifically the school that they were in, tried to tell me that his disability was not a disability and they wouldn't make accommodations for it. What's his disability? So he's ADHD and autistic. And is this officially diagnosed via doctor? Then how would the school say that? I'm having a hard time believing this.

36:47If you had a diagnosis from a doctor. I don't think a school would say that. Nope, they did. They didn't say he didn't have it. They said it's not an age, it's not a disability and we don't make accommodations for it. So I refused to let their education fall. So we've been doing school online at home. Is that going to be better for an ADHD? Actually, he did really well with it. Why you send them back? There are some holes that were actually missed in his like kindergarten, in first grade years that... Okay, well, he's in school. And if he has ADHD autism, the disability that you'd go run and save, I thought he was missing a leg.

37:25No, God, no. And he was rolling downhill. So he has ADHD and autism. Yes, but if he's... Talk about f***ing every child born today. Like, I'm sorry. But if he's got... That's not a job that prevents you... That's not a thing that prevents you from going and getting a job. No. He's not sitting there stroking it out in the middle of school. But if he's got problems and I've got to go get him or go help deal with him... Well, then, yes. Obviously, you try to have a good job, good boss. Exactly. But you are failing them by making 1 ,000 hours a month because you're trying to build your business that is a failure.

37:52Like that is your choice. Yes. Yeah. You will find a lot of bosses, a lot of businesses. The business that my family's worked for, you know, my business specifically, if anyone has an issue, of course, they should go deal with it. That is what would happen. You can find jobs. Not every job is some massive corporate overlord, bank teller, whatever. You'd be surprised at how many there are. No, of course there are some. I'm not saying that too. But you live in a major metro area of the United States. You saying you can't get a job and you're going to allow yourself to just make a thousand hours a month while having two kids is unacceptable.

38:30I didn't say I can't get a job. Go get a fucking job. I'm going to show up for my kids. I'm going to choose to make a little bit less than I can show up for my kids. Sometimes showing up is they need resources. They do. And you are not providing. They have everything that they need. You are choosing not to work. So the taxpayer is giving you food stamps. I'm not choosing not to work. Yes, you are. I do work. Come on, you make a thousand hours a month via your choice. I do work. You could go make more. I could go make more. But then I wouldn't be able to be there for my kids. If someone is saying they could go make more and yet we subsidize them, is that fair?

39:08If you can, I want to subsidize the f*** out of people who cannot. Because I don't want to be absent from my kids' life because they don't have another parent. Absent for their life. If you're working nine to five, you're not. Dude, there's single families all over the place and people can have a good life. You're working 20 hours a week. You're not working 40. I don't want to hear it. If you're working 60, 80, you never see them. Yes, I would be on your side. You're working 20. Well, it was 60 to 80. You are not able to provide the resources required for them to have a good life. You will not be able to retire by the time they are in.

39:38Unconsensually born, by the way. They did not really have a choice. By the time they are 40 trying to make their life, mommy's going to be like, oh, I can't live. They're going to put their life on hold to support you. Absolutely not. This is what everyone says. Absolutely not. You say you don't want that. What do you think they're going to do? They will. They will. They will be morally obligated. They will. Because you're choosing to go work the job you want to do right now and using them as an excuse to do it. Let's be honest. Come on. Be real. Go get a job. Work 40 hours a week, nine to five.

40:07I don't want to. There it is. Government, Kansas, Missouri, take away her food stamps right now. Did you just hear that? Take them away. I'm not even kidding. I will say. You don't want to? Fuck you. That is not a choice. Huh? I don't want to. Then that is not fair. That is not a choice. Subsidies should be there and even more for those who cannot. For sure. You can and you're choosing not to because you do not want to. And I knew the more and more I pushed on it, we would find out that you're doing this because you want to. Straight up. Not because you can. Using ADHD. Using ADHD and autism? Yes.

40:42Is he able to communicate with other people? Yes. Okay, then I don't want to f***ing hear it. Come on. He's every gen beta ever. Gen alpha, gen beta. He is every single one of them born. They're all getting diagnosed with this. If he's able to communicate with people and he's able to do things, and you're right, He probably didn't need the accommodations that you're thinking based on everything you're telling us. The more information is unlocked, the more we're finding out he could probably just go to school. Well, he is back in regular school now because he was missing things that should have been taught when he was in kindergarten and first grade.

41:18Who would have fucking thought? And we needed help filling those holes. Well, you would make more money, by the way, getting a babysitter that could wash two hours between school and you getting home. and you going and actually making money like a f***ing adult. 31? What a joke. I know. It's fine. Everything's fine, though. Take away her food stamps, please. It will be fine. Please. Please. So, I would like to eventually... Why are we supporting your choice of not working? It is disgusting. Then you blame the last election. What the f*** is wrong with you? Blame everyone but yourself. A lot is wrong with me.

41:53I think we established that, though. By the way, we did the math. You can get a job at Supercuts there, and you will make more money. The closest Supercuts is an hour away from me. Okay, then the alternative. You're saying there's no alternative an hour away? F*** off. There's not an alternative. Oh, yes, there is. There's no way. We have Googled it. Because Supercuts does haircuts and color, and there's nowhere else that does haircuts and color. I don't care about what you want to do. I care about you making money. I understand. Then I don't give a f***. I want to go to work and not want to jump off a cliff.

42:19I don't care what you want. I don't care. Take care of your f***ing kids. I do. Be a mother. No, you don't. No, you're milking the taxpayer because you're a spoiled brat. I would actually like to get off of those things. Yeah, you wouldn't. You'd go do it. God, no. What? If you wanted to, you would. I would. What? Do it. I have applied. I have actually tried to. I want to get. Working behind the chair has been very difficult. So I'm trying to figure out what I need to do to get into a different career field in the next five-ish years. I'll get you a course career certification. Accounting, something like that.

42:53A lot of people have used that to get into new career fields or boost things. I'm actually really good with numbers. And I get told all the time that I should have been an accountant. And as much as I don't want to. Why are you crying about being an accountant? Because I don't like the job. Huh? I don't like the job. We all do things we don't like, believe it or not. Like, even though I really love my job, I particularly didn't want to come in here and film today. That's fair. I didn't want to deliver subs for Jimmy John's many times. I didn't want to do sales calls. I didn't want to do product management meetings.

43:28I didn't want to go to school. I did it because I'm a big boy. You're a cry that you don't want to. I'm so sorry. I'm so sorry. I've never called someone out for crying on the show because almost actually every other time someone has cried, I have found it reasonable. You're a crime because you don't want to do numbers. I'm crying. I'm sorry. I enjoy the career that I've gotten into and it's sad to have to acknowledge you have to get out of it. You don't have to. We just saw that there are. it's not even necessarily get out of it because the finances but just because of my ability to do the job has gotten harder it's gotten worse so it's not something if you can't stand behind a chair what are you able to do well i can stand behind a chair i just can't do like my income's almost half of what it was like years ago what are you talking about then because i was able to do extremely complicated multi type in your town type in your town i don't want to hear us i i feel like it's this it's victim complex to the extreme i just can't handle i apparently allegedly you don't use tiktok or reddit i really don't believe it but it's just like you are that to the core i'm glad you okay first of all come on you are so close to so much this is crazy This is crazy.

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46:42I've been bringing them to the studio and honestly, it keeps me from eating like a broke college kid again. So head to Factors75.com or click the link below and use Hammer FB50 to get 50 % off your first Factor box plus free breakfast for one year. that is code HAMMERFB50. At Factor75.com to get 50 % off, plus free breakfast for one year. And now that I'm well-fed, let's get back to the episode. It's also super convenient because my salon right now is a half a block away from my house, so I can walk there faster than I can drive there. And you know what? Scissors and Scotch, a local chain, Midwest Cuts, Chris Stiles, Scissors Cuts, N8's Barbershop, Skizzers Scotts, Royal Barbershop, all this f***ing 10-minute drive.

47:24Barbers. I'm not a barber. Buddy, I go to a barbershop. I know. Get your certification. I go to a barbershop and a woman cuts my hair. You're okay. Another 1 ,500 hours of school and another$20 ,000 of student loans. Okay, fine. Scissors, scotch. Scissors, scotch. I've applied. You suck? I don't know. There's so many of them. I would love to see your resume. I'd love to see how things work because when I hear I applied, just nothing happens. Is this like... I've applied and I went and interviewed. I was getting ready to have surgery beforehand. And so they were, they was, what they told me is they didn't want to hire me right before I had surgery and go on and leave.

47:59Do what? What was your surgery? I had a partial hysterectomy. Oh, okay. But they didn't want to hire me on right before I had my surgery, not knowing exactly. Also, there's a great clips in your literal small town. Yes. With a horrible owner. Oh, shut up. Horrible owner. There is never anything in your life that is not an excuse. Well, there's plenty of things that are my fault. I wish I would have heard any of them so far in 43 minutes. That's just one place I'm not willing to work because I've worked at Great Clips before. And I'm not willing to put my life in that position again. In that position?

48:33You sound like you're going and serving on the front lines of Afghanistan. Shut the... I'm sorry. What the f***? You're in Great Clips. Yeah. You're not building a building with no strap at the top like those old pictures. You're not doing that in that position. That would be fun. I would do that. You're not walking the streets flashing hole to get some money. Put yourself in that position. Putting yourself in that position is great. Clips, what are we doing? Mentally putting myself in that position. Exactly. What are you doing? You're a baby. I'm sorry. It's okay. I'm not sorry. It's okay. I'm not sorry either.

49:10I'm comfortable with the choices I've made. Then we should take away your assistance. You're making choices of not working. But I do have two other jobs that are just side jobs. Well, how many hours a week do you put into it? Honestly. So I'm bartending at stadiums. So it's only when there are game days. So it's not even like hours a week. It's just. It's also seasonal. It is seasonal. And I just got them a few months ago. Can you even calculate this into it? I don't. That's, I don't know. Because I don't have a solid average. What have you made? What do you. So, okay. One time every other week.

49:44Sometimes. Sometimes. What have you made from one? So at one stadium, my paycheck is about$250. And that's for about one game. Yeah. It averages about that. That's like once or twice a month. The other one, the paycheck, they actually had payroll super messed up on it. So like my check wasn't what it was supposed to be. And it was a lot of back and forth. So if I've put it all together correctly, I think I average a$350 per game at that one. What do I add to your pay a month? I don't know. Why don't you just actually bartend? That one, I can't be up that long physically because those shifts are eight hours.

50:29You can't do anything. I can do quite a bit. It just has to be shorter shifts. I'm not going to push myself to get hurt at work. No, just do rush shifts. What is that? Shifts during rushes. Oh, maybe. I hadn't heard of that. A lot of places want me to... Have you never worked in service? Food service? When I was in high school. And it always worked around my school schedule. So... Gosh. Yes, but no. And a lot of places want me to work on Sundays. Okay. I feel like I've learned enough about you. I can now put you in a box. I get you. I understand you now. How much debt do you think you have? It's around 30 to 35.

51:09It's$40 ,488.75. Yep. No, don't take that as a W. You did not guess right. No, I'm closer than I thought I was. Okay. So again, what do I add to your stadiums on a monthly basis? I would just go with 500 to average it out. Okay, so$2 ,141.33. Yep. Still nothing. Yeah. I'm sorry. Nope, that's what it is. It is what it is via your choice, dude. If you're truly broken, get on disability and I will support that. But I don't believe you're truly broken. I believe you're an endless victim. based on everything I've learned in this conversation so far. I really do. Oh, come the f*** on. Oh, shut. Come on.

51:52What are we doing? You won't go work at Great Clips. I don't want to f***ing hear it. Yes. Exactly. How much did you spend last month? It was mostly on bills, my credit card payments. How much did you spend last month? I'm working on it. Give me a second. Two, four, five. probably close to$1 ,500 to$1 ,600 to pay all the bills and then gas and groceries. Yeah,$2 ,200, which is more than you make. Yeah. What's your history with that, dude? Actually, this is the first time I have been in debt. Why'd you do a credit card transfer? Because I was running out of the time on my 0 % interest, so I just did a balance transfer.

52:41When? First time in debt. Like, hey, this is also still my first time in debt because I still have my student loans that I borrowed at 18. So what do you mean? First time doesn't make any sense. It's the first time I've had, for me, unmanageable debt. What? First, what is? Like right now, but when did it start? Like, I don't know. So honestly, like all of what you've got on statements, that's all stuff from building out the shop. Like two thirds of that is from building out the shop. A shop that literally will not make, even when you sell out all the units you want to rent them for, enough to break even.

53:14That's where we are right now. That doesn't make any sense. Just where we are right now. No, I would, a part of me would just actually. What, forfeit, pay$1 ,400 a month and leave it empty? No, I must try to sublease the rest of your lease. Without? Swallow the 70 is a mistake because this requires and relies on you and renting out every single unit, which I don't know if you're going to. It does. I have a lot of people interested, but we can't show them because they're not open. Interested, uh-huh. I can't have anyone come in because the stretches haven't been done. Getting people interested in something you want to sell is the easiest thing ever.

53:49For sure. Selling is hard. We have a lot of stylists that want to get out from a booth rent situation or out of an hourly salon like Great Clips, actually. but we can't let them even come in and look at it. What is their terms? My terms or their terms? Their terms that they would sign. One year lease. That's so risky. I don't know who would do that in their own mind. It's actually a standard. I know it is. It is moronic. Just like you. You can't like you're, you don't make money. Hey, my lease term where I'm at is three years. It's crazy. It takes a little crazy to be a hairstylist, doesn't it?

54:25Big guy. This just isn't. Everything's fine. It will be fine. No, you're not even breaking even in the best case scenario. So this doesn't make sense. Can you describe how that's fine? Because it's not an option to give in. That's some delusion. So I do have something that might make you a little less stressed. Maybe. Is it paying for me to go get a massage? Because that might be it. That's all. No, and it won't even pay for me to get a massage, actually. So because of the car wreck, it's still not closed out. I have not gotten a settlement yet because my medical bills were so high. We are actually having to sue the insurance company.

55:14Great. So something you're going to do. Well, that means nothing. It's been filed. It takes time for it to go through all the things. It doesn't mean you're going to win. We will. Maybe. Listen, sure. That's exciting. I will believe it when I see it. It's a silver lining, maybe. Which, by the way, if it doesn't get in front of a judge before August 2026, you wouldn't get a single cent. Exactly. The reality is, I'm being told from your conversation with Lindsay, you very much are banking on this 30, which is a very not smart way to do it. Super risky, for sure. No, it's just objectively stupid.

55:49Because you're living your entire life now like there's another 30 coming. Which, by the way, no, maybe not. I don't know. That doesn't even cover half of what you put into the salon bowl. So I don't want to hear it. I mean, as of right now, we've only put in about 30 into the salon. It would take another 30 to 40 to completely finish out and have each room ready for renters to come in. This is broken. Tell me about it. I am. If it costs that much, cut your loss. A part of me just says cut the loss. A big part. I feel that. I've cut my losses on some things. Sometimes you need to be mature enough to realize when you need to just be like, oh, I had no idea what I was doing.

56:36Yep. Because I don't have any idea what I'm doing. But going for it. Because outside of that. What? What? Is it pride? What the? Why? Ideally. Does your boyfriend agree? Yes. A business in command? Yes. This is one of the things that we do strongly agree on. No, he's actually extremely intelligent. No. We just, life decided that... No, you did. Shut the f*** up. Our path was not what our path was going to be. You did. You did. It's not some magical thing that did it. You did. You made the choices that led you here. I think the universe plays a part. Shut the f*** up. What, do you think the universe is just sitting there like, Oh, wow, I really care about this person and their salon.

57:18Shut the fuck up. What are you talking about? No. You made the choices that have led you here. And if you're not willing to accept the consequences of your actions, you will repeat these mistakes forever. Eh. Okay. Considering most of it is trying to get a business built up so that there's additional income. Failed. That does not justify it. But in the height, in the height of you doing best, you still lose money. So this doesn't make any sense. if we are able to mathematically figure out that this business strategy doesn't, just because you go out there and do a business doesn't mean all of a sudden it's justified.

57:50If I go out there and invest$100 ,000 in a lemonade stand just because it's getting up a business and running doesn't mean that it's good. That doesn't make any sense. That is not a justification. That is moronic. What do you think your financial score is 0 to 10? Oh, it's, I took the test online. It was like 0.68. Well, that rounds up to about a one. If you want to take the test online, figure out where you stand, where you're doing bad, where you need to do better, where you're doing well. Take the assessment, get your hammer financial score at calebhammer.com. It's free. Just takes a few minutes.

58:19And 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. It is incredible. It has changed tens of thousands of people's life. Take the free trial. See if you like it. And if you do, save a lot of money by switching to the annual version. And when you do, I will sign my budget-friendly cookbook and mail it directly to your house. What the f*** is this? And why isn't this just a normal statement? Because I could not figure out how to get an actual statement from them. I was able to get statements from a lot of places, but I could not find anywhere through the app to get the statement.

58:51You didn't log in on a computer? I don't know my login information. Reset it, you tit. Reset it, you tit. It's so easy. I didn't want to. I didn't want to. Because then I have to remember to re-log into it. Pull it up on your phone. Everywhere else. Pull it up on your phone. Right now? Right now. Oh, it's searching for service. I don't know what will load. We'll get you on Wi-Fi. I'm on Wi-Fi. It's in my f***ing nose. So would it be a bad time to tell you that I'm also a competitive cheerleader? It'd be a weird time. Remember, guys, she's not working as much so she can spend time with kids and then she spends money so she can go to her competitive cheer.

1:00:06Fuck you. Take away her food stamps yesterday. Oh, my. No, this is insane. I know. What the fuck is wrong with you? A lot. Dude! Visa signature? This is crazy. For making$2 ,141 a month? By the way, I know you're not sitting outside money for taxes. My... Does your boyfriend set aside money for taxes? That I don't know because our finances are separate on that. He better. $10 ,733.05 is insane. Uh-huh. Insane. And that's just one. Yes. What's your minimum monthly payment? If I can get that, I can show you. Because when I... Kansas City Chiefs, I thought you were supposed to get money from there.

1:00:55You're spending there? No, I don't work for the Chiefs. I don't see what you're looking at. You don't get to go to the games. I didn't go to the game. Why is$140 spent? I don't know. Can I see it? What? What is wrong with you? So I can look at it and see what it is. And then more athletic cheer. Oh, it's athletic cheer. Yeah, KCAC is my expert. $140,$140. Yes. What the f***? So that's every other week. So we have gym fees, which is once a month. So$280. Yep. Okay. Gym fees is$140. And then the competition fees, they take an average amount. out. Instead of one month, it's 500. One month, it's 200.

1:01:28They combine all of them and average them out. So it's total about 300 a month because then there's also like a$30 thing. So 300 hours a month. Reminder, her income is a thousand. She has kids. She's not setting them up for success in any way whatsoever. And then she spends$300 a month on her competitive cheer. Guys, she gets 640. No, no, no. How much in food stamps? 321. Ladies and gentlemen, we are technically in every mathematical form as taxpayers paying for her to go to competitive cheer. That is disgusting. You are disgusting. I pay taxes. If we don't need, if this is an indication that we need an audit on our programs, because here's the thing, man, I'm okay with spending as much as we spend, but I want to take it away from disgusting motherfuckers like yourself and give more to people that actually need it.

1:02:17That's what we should be doing. This is insane. Missouri audit how you are handing out your benefits. This is insane. I mean, they go based on income. It's disgusting. Income that you're choosing, that's unacceptable because you know you can get a better job. You're refusing to go work at a place in your own town. Shut up. And then you spend$300 a month, which is what we give you and subsidize you on competitive cheer? This is disgusting. Like, actually nasty. Thank goodness we're going trillions in a federal debt for this.

1:02:53I like robust social programs. I really do. You ruin it. What's your minimum monthly payment? So stupid. Then you spend your time on this instead of actually working and you use the excuse to take care of my kids. So minimum monthly payment on that is$222. Can I give an honest thing? Yeah. I love honesty. I don't think you're a good mother. I think it's a really hard judgment to make when you haven't met me around my children. I see what you do financially. And finances impacting a house in the United States of America is one of the leading causes for outcomes in this country for children. I don't think you're a good mother.

1:03:32It's easy to say that when you don't see the situation. I see the finances and I see the financial situation. You absolutely see the finances. is you go spend$300 a month while making$1 ,000 on your own self-care instead of them. You don't work. I think it's better for me to go. You live off the government by choice. I think it's better for me to do that. You took them out of school via your choice. For sure, because I wanted better for them. I don't think you're acting. This doesn't mean you'll never be a good mother. I think the choices you're making are bad. You can't say that someone's a bad mother when you haven't seen them around their kids.

1:04:05First off. There's many things you can do that are good. But if you were doing something really bad of which you are here, that does take away from the good. It's not a math game of how many goods equals how many bads. It's not. Second off, I think it's better for my kids that I'm here. You're going to cheer. Versus not here because without one thing. Not here. You'll be there every evening if we do this right. To feel human, depression takes over. What? What are you even saying? you're the only human being born on this entire planet that cannot work 40 hours a week god no then shut up what is this victim complex the intrusive thoughts get really strong when you don't have one thing that is you outside of your job so what are you saying you know what the natural response to that would be so then what give up so then what I don't know keep going you aren't though you've given up You do nothing.

1:05:04You literally are lazy with your work. You are dramatically lazy. You work 40 hours a week. Shut the fuck up. And you spend all your money going to your own cheer stuff. This is bad. That is less than 5%. I guess it's close to 5 % of my total debt is cheer. Cheer? I don't care about debt. Because, hey, believe it or not, the more you rack up your debt, the less percentage your cheer will be. Yeah. So shut up. That doesn't matter. That's a stupid thing. But it does. It's 30 % of your income. Yeah. So I don't give a f*** what percentage of debt. You could go blow all your money right now and rack up double the debt.

1:05:43And guess what? Your percentage that went to cheer is now half. That doesn't make it good. That's a ridiculous argument. Makes me feel better. Last year, put it all on credit cards. Did. Planning on blowing at least 3 ,000 hours in the next trip. Yes. You make 1 ,000 a month. Yes. the goal is that is a whole quarter of work i'm sorry that is bad mother i'm not saying this is an insult i'm not saying to bring you down i'm saying it as like a literal honest hopefully a wake-up call for you not saying is it a dunk i need you to realize what your impact and your selfishness of what you are doing right now is not what a good mother does all right let's talk about one of the biggest money black holes in america your forgotten 401k yeah that retirement account from your old job that you swore, you'd deal with it later.

1:06:31But here's the scary part. Over$2.1 trillion is sitting in lost or forgotten 401ks. That is 25 % of all 401k money. Just gone because people never rolled them over. And the number of abandoned accounts has doubled the past 10 years to around 32 million. And it's not just private workers. 3 million forgotten TSP accounts from federal employees are getting dust too. That's where today's sponsor Capitalize comes in. They make rolling over your old 401k into an IRA stupid easy. No calling HR, no faxing forms, no we'll mail you a check in the next six to eight weeks. They find your old 401k, help you pick or connect an IRA, and handle the whole transfer process from start to finish.

1:07:15And with new rules letting private equity into 401ks, things are only getting messier, So the time is now to clean it up. Roll over your old 401k today. Click the link in the description below or go to highcapitalized.com slash Caleb. Your future self will thank you and so will your net worth. My mother did the opposite. She went out there and you know what? It actually did suck a little bit through my early middle school for a few years. She worked her ass off all day in a low paid medical position under nurses, whatever that is, like nursing assistant or whatever. And then all night, all evening, she locked herself in the basement studying, doing homework and doing online classes for nursing school.

1:07:54Because of that sacrifice, under dramatically lower middle class where we had absolutely nothing to by the time I was graduating high school to where we were just solid middle class. Because she sacrificed and did that for her kids, for her family. She did that. That's what a good mother does. You're selfishly doing what you want to do. Good mothers also show up for their kids with that risk of losing their income entirely. $3 ,000 going to a trip. A whole quarter's worth of your income. It's not a math game of one show up equals I can go blow all the money to invest in my child's future. When you get evicted, they're not going to remember the yippee mom was there.

1:08:34We aren't going to get evicted. Says everyone who's ever been evicted. Like, I don't know. Like, I don't know. Technically, we can't get evicted. Why is the technically? Because my boyfriend owns the house. Paid off free and clear. Okay, so subsidized by him too. So we live separately, but me and the kids live in the house. And that's as long as the relationships stay steady. Based on your past. We're eight years in. We got some off and ons, but we're eight years in. Off and ons, sometimes off and ons leads to a permanent off. Eh, we tried that. It didn't work. It just screams welfare queen. I'd love to get off of it.

1:09:18I really would love to get off of it. No, you have that choice. You can go do that now. I think my big problem with it is you can't, what you lose, you can't just make up overnight. It's$300. Yes, you can. It's$300. My kids have state health insurance. Well, yeah, but even still to a certain point through the Affordable Care Act, The subsidies are so extreme. Yes. Dude, I applied for it myself. We don't qualify for it. What? Why? Well, right now we don't qualify for it because I don't make enough. No, I'm saying once you get to that point where the state no longer covers the kids, then you get subsidized.

1:09:54Right. Where you probably wouldn't be paying a single penny until you at least make a decent amount of which, yeah, you should contribute. So when I was talking with the lady about it, working at, even at almost$40 ,000, we wouldn't qualify for it because it wasn't enough. to qualify for any of their plans. Exactly. We're not getting you to make 40. I'm getting you to 50, 60. That would be great. Well, yes, but you're not willing to work. I'm absolutely willing to work. Come on. This is so stupid. I just need to be able to work and still be there for my kids. Physically be there for my kids. I know.

1:10:29You don't think people who work 40 hours a week are there for their kids. No. I'm not going to hear this anymore. I'm not going to hear this anymore. I'll say it again. You're being selfish. You're being selfish. And you're living off of us. You're welcome because of your selfishness. I mean, technically it's Kansas. A lot of the assistance that comes in for food stamps, Medicaid, is usually a partnership between states and federal government. Food stamps is a little more states. States. A little more states, but I'm sure what you're getting through the state covering your kids' health care is coming substantially through the federal government.

1:11:05Oh, the health care is probably federal, for sure. Well, there you go. You're welcome. The food? Probably not. A little bit. discover it. What's going on to this? You're purchasing on a card, just like your last card, that is basically maxed out, that you cannot pay off, that is accruing interest. Why would you possibly do that? It just started accruing interest. Again, almost all of that is from trying to get the shop built out, trying to get it so we can get people in there. And I want to also be very clear, guys, do the math out there for a second. There's nothing wrong with building a business.

1:11:34Even if you fail, that happens. There is nothing wrong with being on food stamps. That happens, you know, when someone actually deserves it and they don't have the choice to go work. But here's the reality, guys. We are paying for her kid's health insurance. Good. I don't want a kid to not have health insurance. We are paying for her to eat and get groceries. Good. I want that to happen. But what is she doing with not having to spend money on that stuff? She is then taking it and she is investing in her own business, i.e. how this translates is the government, the taxes you've paid, the taxes I've paid, the millions I've written in checks.

1:12:10Kill me now that I could use to actually invest in this business and do a lot of damn things is going so that you can build your own business in a horrible way that is going to collapse and fail. Maybe. In what way is that considered fair or equitable even? It's not. Didn't say it was. It's disgusting. Again, I don't want to be on the things. I hate doing it. Shut up. I don't believe that for a single second. Good thing to say while you're on camera. Listen, you can get on the Fizz card, debit card that builds credit. So it works like a credit card, but you can only spend what's in your checking account.

1:12:46So it works like a debit card as well. Oh, good. Your payment's fast due. That's wonderful. That's great. Pretty sure I made it, but okay. And your payment's fast due. How long does this take to pay off if you make minimum payments only without any purchases? Oh, I haven't even done that math. Try to do that math. Just what do you think? Gut. Come on. It's probably on minimums, but the interest in everything is probably 20, 25 years. And that's if you do not purchase and you only make minimum. By the way, it's 32 years. You'll be in retirement age. Yep. Which right now I also won't get to do. No shit via your choice, which will put your kid's life on hold and they will support you.

1:13:24Because Social Security will still be around by the time we retire. Maybe. It will be substantially less. It will be. It will just be dramatically cut and it'll only be going 100 % outflow via what's coming inflow and inflow will be less. I'm sure what you're saying is absolutely accurate. I just don't look at it because I'm not there yet. You never will be because you won't look at it. Probably. Yeah, fees, 41 bucks. There's your late fee. Interest is accruing$89.36 of purchases. I don't know the f*** why. What a joke. I had stopped spending on that. interest. Two late fees this year so far on this card.

1:14:04Couldn't see the other one because you couldn't send a statement. You went in, you got some bullsh**. And what's price chopper? Grocery store. When you go in and you get$12.14 is that groceries? Yes. It's usually like last things we need for dinner. I'll actually believe that. Usually it's bullsh**. I'll believe that. I really don't do a lot of spending outside of like the shop thing. I really do mostly just get my bills paid as much as I possibly can. A Menards card. Yeah. What's going on with this? So that's where we get the - And those nails look like they cost a penny. They are$7 glue-ons from Walmart.

1:14:46Yeah, not bad. I pulled through my change jar. Uh-huh. I mean, I would just go full natural if we literally can't afford to eat, but - That's, yeah, I had, we had team pictures Sunday. I would go full natural. and my nails were color stained. So I wanted them to not look hair color stained. So I spent$7 and got some glue on it. Great, more to the cheer. I know. So the Menards card, we get our cabinets and a lot of our - Oh no, no. And a lot of our sheet rocket insulation from Menards. We have to spend so much more just to get to the place where we can rent other units other than just one. Yeah.

1:15:24By the way, I forgot. The discovered, I forgot to say,$344.57 is the minimum payment. That includes the past due of$165. Okay, so cross out. That's normally$165.57. Yes. But you have to catch up. Okay. Now, on the Menards card, the balance is$4 ,124.09. Minimum payment of$171. Yes. Interest,$200 last month. So. What are we doing? It's almost maxed out. This is horrible. Yeah. I've made a lot of progress. It was maxed. I've made progress on it. At that point, there was progress. While making negative progress on the last one, you're just pushing and moving. That's all it's work. Instead of spending the 87 on the previous card from your checking account, you spend it on your previous card, then use it from your checking account to put it on this card.

1:16:14That's how it works. You're just moving it around. You're not actually making progress. Tetris is fun. Money Tetris is stressful, but fun. I hear about a mother that can barely take care of their kids. bills. It is bills. Yes. 300 hours a month to cheer. Yes. Bills. Mental health. Physical activity, mental health. Use where you are and get your free mental health coverage. Can't get it. Yes, you can. I know there's local organizations in a major city like Kansas City. You have not looked. I know for a fact. I have. No, you have not. No, you have not. There might be places that I haven't been able to find.

1:16:51There are. There's just no way. There's no way From any research we've ever done in any metro, when people bring this up, we've always found it. And Kansas City is not a small metro. No, it's absolutely not. Like, I don't want to f***ing hear it. If I can find one, I'd love to. But I also like the physical activity is a big. Yes, go run. God, no. I have bad knees.

1:17:16Go do anything. Go to the gym. I don't care. You have no excuse. Gym, 30 bucks versus 300. I don't want to hear it. This is such bullsh**. Two late fees this year so far on this card. No one's surprised. No. Hundreds in interest. Now that it's all interest accruing, we're talking a 30 % interest rate. It doesn't actually have a set interest rate on that card. Goes up and down? So. As interest moves? Not necessarily. So like they have promos where if your purchase is over a certain dollar amount, you can get 0 % interest for six months or 12 months. Yeah, but a lot of that is out of it. So it doesn't matter.

1:17:53But then there's others. This Capital One. Bring it up. Pass two fee. Shocker.

1:18:03Trying. When it loads, you'll get it. Okay. Smaller. Yes. What's the minimum? Probably$25. I'm not sure. Auto pays off. That scares me. Yes. I'm going to put$30 for minimum. It's usually what it is. Yep. So save her card. $339. Hours and 33 cents. Okay. So what's Adventure Academy? That is. What's Reading IQ? Those are both things for the kids. But at the library, there's public libraries. You're in a major metropolitan area. What's the date on those? Reoccurring. End of the month prior. Oh. Pending Einstein Bros. That was breakfast this morning. That park. Casa Living. That's where I stayed last night.

1:18:53So you went down there and purchased something? No. $21? It wasn't$21 to stay there. No, it was like$96 something, and then the$21 was the insurance in case I couldn't come on the trip. Breaking IQ, Adventure Academy. Yep. That one ran out of... You do, listen, so far, are you spending an outrageous amount of money? Technically, compared to many other people, no, but you're not compared to many other people. You barely make any money. and you're trying to take care of kids, you're spending more money on a couple things than you should even come close to. It's disgusting. You shouldn't. Because it's all ratio.

1:19:32If you made a million bucks a year, you could spend tens of thousands of dollars on bulls**t and it would still be less impactful than you. If you go spend hundreds of dollars on bulls**t, it's destructive. For sure. So it doesn't matter the dollar amount necessarily compared to other guests. It matters percentages and you're f***ed. And it's selfish, the things you're getting. Yep. City Diamond Preferred. Yes. What's going on? It's a credit card. Oh, it's maxed out. It's a credit card. It's got a$3 ,500 credit limit. That was what I used when we went to Phoenix. $3 ,322.96. It went up because you purchased more than the minimum.

1:20:13Minimum being 41, 12 years to pay off. Probably. I hear that you told Lindsay that you're different than other guests on the show a little bit because we've had single mothers many of whom actually work and provide um so you're right you are different other mothers are better um it's different because not all of this most of my debt isn't um like random like we're not going on trips and it's still frivolous it's your desire to build a failed business blowing out what you want to do It's a goal to have additional income. All math fails. So yes, you're different. You made one of the dumbest decisions I've ever seen in the history of this world.

1:20:49Probably, but now we're here. Yeah, but you can stop. You haven't spent all the way up to the 70. We've got to get it at least. No, no, no, no, no. It is not sunk cost. We've got to get the walls closed. Why? Why do you have to do this? We have to get at least the walls closed and the ceiling put together. He might not even accept a renewal and then you'll still be underwater by like 10 ,000. 10 ,000 that you can't afford that's 10 months of your income. Yep. and you're right. You know what? You travel. You know, you travel for your things. But when - Only once. Yes. Only once a year. And you have another one coming up.

1:21:20But here's the thing. Here's the thing. Other single mothers travel once a year, but they use it as making memories with their kids. You just do it for your own selfish, cheerleading thing that you want to do. Yeah. For endorphins. Because everything else - You're not like other guests. You're worse. Everything else is for my kids. No. Everything else. You're building your business for you. I don't want to hear that. That's a disgusting joke. Because I want it to be a long-term something. It's not. You're already under with at the best case scenario by the end of your lease. You cannot keep saying that.

1:21:49The math is not working. And that's the best case scenario. By the end of this lease, yes. And he might not want to renew. You never know. He might sell it to someone else that does not want your type of business. We've got a guaranteed two extensions after our three years is left. Two extensions at what price guarantee? Because oftentimes those come with price increases. $200 on the first one and$400 on the next one. So it'll go from$14 to$16 and then$16 to$20. Okay, so you might by the end of a decade break even. What a legacy. We'll see. Wait, you never bought your kids Christmas gifts? I have not ever been able to.

1:22:28So you spend$300 a month on yourself, but you will not get your kids Christmas gifts and give them a nice Christmas. You're selfish. Everybody else in our family gives Christmas gifts. Yeah, but you could too if you cut back this$300 a month. I have taken - That is thousands a year you could give them in Christmas. I have taken my kids on trips. They have chosen, and this is in the past. It's all paid off. They've chosen nine and 11 year old? I have given them the choice. You guys get presents from everyone else. Wait, but you bought your boyfriend an expensive pellet grill? I did. For Christmas?

1:22:56One time. Oh my f***. Ladies and gentlemen. It is - What is this world? What am I talking to right now? Your priorities are whack. Sometimes. Yes, your priorities are whack. But they, I gave them the choice. I gave the kids the choice. I can get you more presents or we can go visit your friend in Florida. And it was$800 for all three of us to fly around trip. And you could have got them a Christmas as well. If you were not spending$300 a month on you, 3 ,000 hours going on your little special trip. And they chose to go to Florida. No, you could do Florida and Christmas if you weren't doing your selfish things.

1:23:30You know what a good mother does? She doesn't spend on herself. She only spends on her kids. And decides that her kids have enough from everybody else that they can have an experience instead of a present? I feel so bad for them. They're going to grow up thinking their mother doesn't buy them gifts. I don't think that's a fair assessment either because you don't know how much I've put into things for my kids. Mathematically, I kind of do. From what you have there. Yes, which kind of defines your entire where we are. For where right now, yes. Yes, that's everything. I don't give a f*** about then.

1:24:00I care about now. This is what everything has led up to. You have a 2018 Kia Sorento. I do. Wow. Yippee. $13 ,288.03. Yes. Very good. What's it worth? It was worth more. And then we got in the car wreck last year. What's it worth? And so I think now it's worth around$9.95. For trading, probably private sale closer to about$11. Yep. Yeah. So you're underwater, not dramatically, but you know, it's not worth it. Your minimum payment seems to be$337. Yes. What's the interest? Well, it's$336 ,000 in the change. $336 ,18. Interest is$4 ,900. That's not the worst. Listen, this isn't the worst car. I mean, of course it's out of budget for you, but that's because you make no f***ing money via your own choice.

1:24:49So everything's out of budget to you. For most people, I mean, this is a great budget car and your negative equity position isn't the worst. Nope. And clearly the car wreck wasn't so bad that it didn't total it. No, it didn't, but it ripped the whole back end off and killed a bunch of those sensors. Yeah, but you were able to repair it and still be only underwater by 2 ,000. So the car wreck, I'm all of a sudden feeling even less sympathy about. No offense. Offense. I don't care. I don't know. I don't care. It takes a lot to offend me, Caleb. I don't care. I mean, I have your concern. So I'm just, I don't know.

1:25:19It's just everything's out of your budget because you just choose to make no money. It's as easy as that. Is that the end of your debt? Yeah. Is the rest checking? Yeah. Okay. $429 in this checking account. Netflix. You. Use YouTube, including YouTube Kids. It's free. Yes, there's ads, I know. But there's ads on Netflix plans as well, unless you add free and you can't afford that. You simply, if we are funding your food, you can't afford this when there are very good platforms that are free. There are more viewerships on TV, TV alone, from YouTube than Netflix. And that's TV. That's not even mobile devices.

1:25:59Okay? Not even computers. TV alone, more people watch YouTube on TV than Netflix. The only platform that wins on TV is Disney Plus, and you can't afford that either. So obviously YouTube is good. Use YouTube, cancel Netflix. Unless Netflix gives us a multi-million dollar deal. Just kidding, just kidding, just kidding. Oh, I joke. Spotify? Boyfriend actually pays me, gives me cash to cover the Netflix because he also uses it. Sugar Daddy and the Spotify? My dad pays me the$16 a month for the Spotify because he uses it a lot for work. What about the pretzley truck? The Pretzel truck is my vice. She's not around very often.

1:26:37Yeah, fuck you. I don't give a shit. So when she's there, I get me a S'mores Pretzel. Your vice should be taking care of your kids and you don't. Shut up, shut up. Hey, what'd you go into the gas station and get for$4? Probably a slice of pizza after tax. The gas station? Which gas station? QT. Bottle of water and a snack then. Why? Buy in bulk. Pack with you. We do buy in bulk as well. Well, then pack with you. What are you doing? It's usually when I'm nowhere near home, which doesn't happen often. This is so stupid. It should just always be in your car. I always have it in my car. This is what people here have been doing at the office is they've gotten the gamer sub-pack.

1:27:15Listen, you can't have caffeine. Instead of stopping at the gas station and getting their$4 energy drinks, these are the free samples that you can get. Link below. These are all the energy versions. There's energy-free versions. Those are the ones I have, the hydration drinks. It's so much cheaper. It's like making your own coffee at home. It is 25 cents a serving. 10 % off link in the description below or get your free samples when you're typing code Caleb. So no more stopping in. 25 cents a serving. I know you're not getting energy drinks, but it's like the same thing. Because then you did the same with Dollar General.

1:27:44Then you're ordering things on Amazon. Burlington stores, Amazon Academy Sports, Dick's Sporting Goods. What the f*** are we doing? Academy and Dick's Sporting Goods were to get what I needed for my jobs at one of the stadiums. They had uniform requirements that I didn't own the things for already, so I had to go get them. Oh, my gosh. You went and got some bullsh** in Amazon. I'm going to need to say that. Amazon. Gardner, Parks and Recreation. Went and got some bullsh**. Went and got some bullsh**. Went and got some bullsh**. Parks and Rec is my... Pull up your Amazon. Parks and Rec is my son's soccer.

1:28:17Start a screen recording? Well, that's okay. At least you were actually giving in. 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. Toys 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? $3 when you take$300 for your Parks and Rec. Oh, that was this fishing tournament.

1:28:57Please load You say start a screen recording for me to start? I don't know how to do that I am not a techie person We'll have the top down This is what it's giving me It's loading, it's loading, give it a second This is all it's giving me No one else has a problem Probably Joey and Prime, you're not logged in I don't think I don't have Prime But you're ordering on Amazon? I do when I have to get things for work. So, again, my most recent stuff from Amazon is shoes for one of my stadium jobs, uniform pants for that same stadium job. Who's checking is$4.82? Going out to eat, bulls**t, McDonald's, bulls**t, bulls**t, bulls**t.

1:29:47You went in and got some bulls**t. You're doing that a lot. A little. A lot. It has been worse the past couple months. You literally are being subsidized by us, and you're going and doing that? It has been worse the past couple months. Great. When we're doing worse, that's wonderful. This has$7, and it's like nothing. Savings 18. And you're literally losing$2 on it. You're not even accruing interest. $2 a month for the service fee. I just don't get it. Okay, so total income, everything together, and this is seasonal. It's going to end when football ends, I guess, or whatever sport's happening.

1:30:24End of November. Great. So end of next month, whatever. $2 ,141.33. Minimum monthly payments is literally your entire income of$9.6575 via your spending and stupid business decisions that were your choice and make absolutely no f***ing sense. Yes. Your rent, it's free. $6.25 on paper. Do you ever give it? It's flexible. Do you ever give it? It gets given eventually. Like, if I can't make it all at once, it gets paid. How much debt do you have to it? I think it's caught up right now. How much is it? $625. Due to utilities? Yes. How much? A month total? Including the internet? About$200. Car insurance?

1:31:15$160. Phone bill?

1:31:21$2.59. How? How what? What? That's so expensive. Because my internet is built into my phone bill. It's$5. I've got my phone. I have a house phone for my kids because it's only$25. Dude, once these phones are paid off, if T-Mobile is good in your area, switch to Helium. Those are the towers that Helium uses. There's literally a free plan if you don't use much data. But you can also just use a cheap$15 plan and use data as well. I mean, this is like crazy. It's like, come on. It is a lot. Half these phones, figure it out. You can't afford that. It's not even close to something you can afford. Well, food stamps, okay, well, it'll take$300 away from what you need to put to it, but you still need to put in about...

1:32:02I think outside of food, we spend about$2 to$250 on groceries outside of the food stamps. Yeah, I was going to say about$300 because no more going out or getting some bullsh**. If you find anything else you and your kids need, it should be about$200. Toothpaste, whatever, sports activities, all that good stuff,$200. Medical health or any co-pays, I don't think so. Nope. Okay, savings, no. No. Gym, no. I closed it. Nope. Okay, well, what I am doing is putting in gym for$50 and you're getting rid of your$300 bull. That's the reality. It's not an option. Subscriptions, looks like they're paid for.

1:32:33Don't have to worry about it. You don't have any pets, please. I have three dogs. No, no. Oh, that's disgusting. That is disgusting. You can't take care of them. How old? What are the ages? What are the health? 12, nine, just turned three. Okay, for the three-year-old, what's the health? Perfect. We're going to get him pet insurance. It's going to be good pet insurance because you can't afford to take care of him. If you get sex, 50 bucks. What the f***? How much pet food on a monthly basis? We ended up getting food every like six weeks. That's I think$50 a bag. Okay, I'll call it like 40 then.

1:33:14Anything else that needs to be in your budget that I have not taken into account? I don't think so. Shocker. I don't make enough money. I mean, this is just it. It's not even surprising to me. Can I call your boyfriend in the post show? Yeah. I'm going to call your boyfriend, and I need to just confirm him. He needs to push her to the right thing. This is the reality. This is the reality, because here's the thing. I mean,$2 ,849 is what you need to survive in 75 cents. It's like, what the f*** are you doing? So you're underwater dramatically. We've known the answer. I think the audience has known the answer since about 30 minutes in.

1:33:43I don't give a f*** about what you want. I know. I'm sorry. You're a single mother. Sometimes single mothers see their kids a little less because they go work in order to take care of their kids. You're you. If you weren't dating this guy, you wouldn't have a place to live. It's just not a thing. You're f***ed and you're f***ing their future and everything's f***ed. You need to go get a real job yesterday. And we can help you. We can get you connected with the resume services. We can help you. But I don't give a f*** what you want. You're going to go to great clubs. You're going to go to wherever.

1:34:11No. Yes, you. There's the face. Never mind. I'm f***ing done. See, she's not even willing to sacrifice. You go. Shut the f***. What a piece of s***. Great clips. No, you're disgusting. It's the great clips. You're disgusting. You're disgusting. Never mind. Other jobs, absolutely yes. I wanted to give you all these suggestions, but f*** off. Listen, you're not even willing to go do that. Just f*** off, honestly. F*** off. Good luck to your kids. They don't deserve this. You're disgusting. Spending in a budget. You overspend, 0 out of 10. Debt. You don't have collections, but for your income, it's absolutely horrendous.

1:34:38Horrendous, obviously, 1 out of 10. Emergency fund, nothing. Nothing. 0 out of 10. Retirement, nothing. 0 out of 10. Real estate, nothing zero out of 10. Hammer financial score is rounded up in the score that she, well, close to what she said on the test, but 0.5 out of 10. Get your score, CalebHammer.com. Now come join us in the post show. I'm going to call her boyfriend. Confront this. Click that join button. Join Hammer Elite. Three premium shows posted every single day, Monday through Friday, including an extra 20 minute of this episode and every other episode called the Financial Auto Post Show.

1:35:06See you there. How are his finances? Bro's cooked. How f*** is he? I can't. You can't? I can't. I know he's in IRS debt. Beyond that, I don't know the total dollars. I don't know how much IRS debt he has. And you're going into business with a guy with IRS debt. He doesn't even pay his own damn taxes. You're getting funded by the taxpayer. And then you go into business with him? We fund that and we allow him to not pay his taxes so that we pay more in taxes. I love this system. Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday.

1:35:41Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

1:36:11tea time you. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great.