She Came Here To Cancel Me | Financial Audit

26:53What are you saying? I mean, every time I've tried, like I've tried small business, I've tried corporate, all that stuff, it's just always been some sort of like issue like that. Well, someone like you finds issues everywhere and some of these, some of these Well, they all ask for me back every time. Some of these sound like if they're 100 % true and if we're taking you 100 % honest, which again, for the grace of the conversation, I will. Yeah, some of them are certainly wrong. Some of you may be over-exaggerating and I'm not exactly sure, but you can't use that as an excuse, first of all, to being in the industry.

27:23I mean, it's like... Rinse takes your laundry and hand delivers it to your door, expertly cleaned and folded, so you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. so update on Dave it's up to you we'll take the laundry rinse it's time to be great so you're saying you can never have a job again I'm not saying that but I'm just well you're not working right now and you moved in with your dad yeah I know I can tell you if you're escaping a dangerous situation that's where I'll have empathy but you weren't I yeah well okay this is the thing too also at the hair salon like you said you told me to work at one or whatever I did at the time like in Orlando for a bit and I was a personal assistant but there they were just making me really uncomfortable with like like literally like if i'm by myself in the back then the owner being like oh hey sexy like seeing me or whatever and then like um talking about how he wants to like motorboat his his guests that the client in his shampoo bowl literally like stuff like that yeah every it's it was an ongoing thing does that mean you never get a job again no i mean look at all these jobs i've gotten though like that's the thing i know but you're not working now and you moved back in with that and you're trying to build an illegal business oh i'm not trying to make it an illegal business i'm trying to figure out how to even go about it properly and stuff that's why i'm here i know i've never done this that's why i'm literally here trying to like learn or whatever like to see like what you recommend and this is the thing because i was gonna have the two months to just like sort my stuff out figure it out and then after that that's when i'll go find like you know a job on the side whatever like a real job and whatever and then And used that to help myself, like, fund everything, like, pay off my stuff.

29:20Why weren't you paying off your stuff when you had a job, though? I did, but this is the thing. All my debt just kept piling up and up. Well, debt wouldn't be piling up and up if you were paying off your stuff. So that's incorrect. I kept buying stuff. That's the issue. And then that's the pain of debt! I know, but I'm just saying that. I had jobs or whatever, and then I was only keeping up with the minimums. And then that's the thing. Then that's all I could have. And you think house and pointed armpit is what is making us a lot of money and getting on the debt. Could be. No, it won't be. I don't know.

29:51I do. My cards say different. Your what? My cards say different. Cards? My tarot. Okay. I mean, you're making$1 ,000 a month. Those are real cards. Dollar bills. Those are real. You're making$1 ,000. That's not enough to live. Certainly not in Florida. Yeah, definitely not in Florida. So what the f*** are you talking about? Really? So someone like you Listen, I'm not against Do it for fun, the tarot, whatever All that stuff, but if you're actually living Your entire life based on what that said And hoping out forever That this is going to work, you're never going to do Anything You're never going to do anything That's why I'm trying to put myself in the situation The situation where I have to put action into it But you don't because you've moved in with dad now I moved in with him so that I can put action Into it because I was just working in stress the whole time He's going to enable you f***ing around.

30:40No. No, no, no, no. No? No, he won't. Because that's the thing. I'm done. Like, that's the thing. I'm done, like, playing games or whatever. I know that I've, like, you know, bought all these things, spent all this money or whatever on my credit cards and stuff. But... Yeah, total income, basically nothing. Spend$5 ,024. So... Done f***ing around? You. Oh, my God. Bro, literally... Look, that's your actions. What do you mean? Come on. so don't fuck with me that's exactly what's going on shut up you're going out to eat$500 a month my dad's investing in me my boyfriend's trying to invest in me so I can like work on my stuff he's enabling you too you're allowing to point out this guy's his boyfriend is he here so we can bring him in and tell her to fuck up no he's working with my dad what is your dad doing construction oh and they both just enable you this delusion No, they're trying to help me.

31:38They believe in me. They believe in you. They're trying to help you, but they are enabling you. I'm not saying they have bad intentions. No, but I've been, this is the thing. I've been working and stuff. I've been doing, I haven't been trying to ask them for any help or whatever. Yeah, but you've never tried to get into a career. You've just been doing. Because I didn't know what to do. I didn't want to just jump into a career that I don't know. What would you, what would, hey, maybe work at a different salon with a, not a creep in the back. I'll try it out. That's the thing. I'll try it out. I'm in Tampa now, like, so I can have a fresh start.

32:05I guarantee you if every single salon had a creep that was managing it, no one would be working at salons. You'll be surprised. If every salon you had a bad experience that I empathize with, doesn't mean every salon is bad. Work at a salon where you get paid money. I'm trying, but my own. I can't try to like figure that out. Get my own like little booth or something. like you know what I mean? So how long has his boyfriend been in the picture? Since the end of 2017 Oh, are you guys considering getting married? That's a long time. Yeah, so we're not really into marriage. I see marriage more as like a business I guess because What are we in the picture?

32:54What do you mean? What is your guys' intentions long term? Oh, to like stay together long term. But I don't I've never been somebody to fantasize about marriage or anything like that. fantasizing, but it is kind of a lifelong commitment. It's societal. I mean, we're already committed. You know what I mean? Yeah, but you're not getting tax benefits. That's the thing. So I feel I have all this debt and all that. So I don't know if that'd even be smart to like combine like right now. That's the thing. I feel like that conversation will happen later. Well, you don't really have any assets. So there's nothing for him to worry about.

33:24If he had assets, he might have to settle some of the debts in order to receive some of the assets. There's different things, complications around death, but also life insurance. You know, like this is certainly easier to do the things for your loved ones if you guys are more official and everything. Yeah, because that's the thing. Did he move into the house, too? Yeah, we moved in together. What is your dad doing? Trying to help. My dad was trying to tell us about a year and a half ago to do that. He's like, I think you guys need a fresh start and just, you know, move here and we figure it out.

34:00Work as a team and like just figure your guys out. You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal$1 ,100 monthly car payment. Yeah, it's getting a little tight. $264 in monthly subscriptions. I didn't know we had that many. You guys have to take control of your finances. How? Just download the DollarWise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the DollarWise budgeting app today and take advantage of your free trial.

34:42Do you want to figure out your shit? I'll go to CalebHammer.com slash apply and you can come on this show, by the way. But this doesn't make any sense and that would be much more helpful than moving in with Daddy who's just enabling your bad behavior. Oh, then who should I move in with you? okay what the fuck you shut up oh my god because you say you know have all these answers you don't want to give them to me might as well just help me out i don't want to give them to you i don't know because you keep yelling at me i barely even yelled this episode if i'm being honest yelling at me not that much compared to normal i'm very tired today you lucky me yeah lucky you listen the reality is i mean you're spending an insane amount of money when you're bringing nothing and moving with dad you don't have a business you do not have a business it is a very much a hobby it would be considered a successful hobby if it's a thousand dollars a month i'll be honest but it is very much not even close to a business it's a beyond failed business well what can i do get a job well okay after that after that let's say i get the job whatever okay cool now what what's next well how much do you make working in a salon how much would i make working in a salon i mean that would depend on the area in the salon and stuff like that but You know where you live.

35:52So come on. Yeah. I would say if you're working in a good location, I've seen... Wayfair's big sale is returning. Get ready for Wayday. For four days only, score up to 80 % off all things home with free shipping on everything. From October 26th through 29th, score Wayfair's best deals. like up to 80 % off area rugs, up to 60 % off mattresses, up to 60 % off bedroom furniture, and more exclusive Doorbuster deals. So mark your calendar and shop Wayday starting October 26th at Wayfair.com. Wayfair, every style, every home. I don't know. It's a lot. That's the thing. You can't even think? I can't.

36:36I could look it up on my phone to see the media. No, no, no. I can do that. Because it's a huge difference between different like salons and everything like that. Because I've been looking, I've been looking at my. You worked at Chase for two and a half years. Yeah. Was someone a b**** there? No, no. Chase, actually, that was literally just the area that I worked in or whatever. It just, I was getting bullied every day and stuff like that. But listen, listen, listen. She's never not been a victim in something. Like, I have a hard time with people like you. No, no. Okay. so I worked there for two years and a half who would hire you listening to this you're always going to find a problem and some some were correct I'm not saying

37:20bro it's

37:26like this is the crazy thing you're going to think this is crazy so many of these jobs have asked for me back for real yeah it's easier to get someone low you know low paid just keep them there yeah i get it you just said that it would be hard for me to get hired yeah with people hearing this like who would want that there no offense you haven't had one job without you finding something i'm but that's the issue that's why i'm like okay i feel like then i just need to be like my own and you will you will find you you will report yourself for being a or something like that is what is gonna happen And you're going to find something.

38:03You're going to harass yourself when you masturbate. I don't know. Like, it's going to. You know, I just let me just help me. Just help me. I am. No, because I don't. Unlike other people, I don't just pat you on the back with what you want to do and say it's all going to be OK. I am trying to. And what I am telling you is you just need to go get a job. Well, I said I'll get one. Just let me set my stuff up real quick. Median salary for a hail, I saw about$37 ,247, according to ZipRecruiter in your area. That's going to be hard to live in your area for that. The top earner is$51 ,000. Not great, I'll be honest, for that area.

38:47This is an expensive area.

38:51Okay, so then should I, like, what would you recommend? Time to get a real job, maybe. What's, like, a real job? I'm not saying that's not. I know that's insulting. but something with a higher career trajectory what is that like I don't know what you're interested in well I'm interested in art I'm creative like look at me like you literally judging me for my appearance you say you know exactly who I am so tell me if that's what art is that we're trying to make money off of I'll show you my real art there's a prototype artsy fartsy is fun I'm a bit artsy fartsy I know you went to school for music no All right, parasocial freak.

39:30Listen. And you have tinnitus.

39:35You'll probably hear right now the bee. Yes, I do. It's very annoying. It's acting up these last few days. Okay. All right. That's what happens when every single guest is a fan of the show, ladies and gentlemen. Listen. Yes, we're both artsy fartsy. I do accept it. And I had to make money. Then why did you kill that dream? Do you still do music or what? I didn't kill the dream. I don't have as much time to do music. Why? I said I don't have as much time to do music. Why? Yeah. Like just because like. Relationship, business, other things that I want to do doesn't mean just because I like music doesn't mean that there's not other things I want to do.

40:08Well, yeah, but I know that you also try to like have all these other like franchise ideas and investment ideas and whatever. Well, I test the water with different things. Our membership is practically the largest on YouTube. By the time this comes out, it might be like that's something. to take that's history. That's YouTube history. I never thought I could be someone that makes YouTube history. That's not an ego stroke, but that's something that's like, wow, that's cool. So I'm very passionate about that. Again, girlfriend, I mean, that takes time. Dogs, that takes a little bit of time. There's just not as much time left in the day running the business.

40:40There's responsibilities that come with that. Sometimes we have to grow up. That doesn't mean we kill a passion. That doesn't mean that. You can still do art and have a fulfilling career somewhere if there are things you want. I loved sales and I was damn good at it. I was the top on the sales team. And I moved from music composition, of which I made more money than my professors when it comes to them making money off their own music. I made more money off of my music than them. And I was able to live flat, just barely making it with it because you don't really make a lot of music. The top 1 % is very rare.

41:13But even still, from there... Boring! But there has to be something else in the world that the economy is finding value in, that you are able to provide value and get paychecks in return, preferably something that has a bit more of a, maybe not hockey stick, but, you know, a curve upward career and pay trajectory if you want to stay in an expensive area. So I don't know what it is because I don't know you like that. That's what this first part of the conversation is. It's the get to know you and your mindset on money. And so far it's, but, you know, getting to know you and I don't know. I obviously can gift you a course career certification if there's something there that interests you.

41:54A lot of our audience uses them and they, you know, get good careers off of it. But, you know, that's up to you. But you need to find something and just sitting on this and being like, hope and dreams, hope and dreams, my cards told me it'll happen. You'll never get anywhere. You won't. I know people like you because I went in the artsy-fartsy field. Okay? So I knew composers from all across the country and it's a pretty relatively tight-knit community. Here's the fact. The vast majority of them, very artsy-fartsy, they did not have a business mind. I went into it with a business mind and I was able to make money unlike most of them.

42:27You are going to this artsy-fartsy and you are working to work on your stuff. You don't have a plan. You don't have actions. You don't have a reality in this field. Everyone like you that is in this self-help world, that is in the artsy-farts, all that stuff, you just work to work. but you don't have an actual end result and it doesn't work. And that's the thing I... And no, I'm not going to help you on that. No, I'm not going to help you on that. I want to get you on a good financial path. Mm-hmm. And you just moved in with dad so we're going backwards. That's my rock bottom though. Only way is up now.

43:09The intention is for your boyfriend to be the main breadwinner in your relationship but you seem so... You seem so anti-traditional. I am. And that's so traditional. So, yeah, that's it. So me and him kind of almost take turns of kind of like leaving the job or whatever. So who's f***ing up? And so you guys stay level forever because neither of you ever get ahead in your career. And now he works for your dad. So the success of your dad is only what is making your boyfriend successful. Him going out on his own. Uh-uh. You guys are failures. Hey, only ways up now. that's not true but you guys are failures and I'm going to call it as I say it because I don't want you to think you're successful when you're not because then it just allows you to stay in that cycle forever I got something to look forward to success tomorrow no actually no there is nothing to look forward to because you have to achieve that people think just because they think it all of a sudden it's going to happen most people sit on their dreams forever and never achieve them I'm trying to take action now but you're not doing anything tell me what you're doing Okay, well, right now, I'm trying to take the time now so I can research everything.

44:15I'm going to New York soon.

44:20This is what everyone says that's in that trajectory. Because I know so many people like you. This was my life. That was my life. I'm researching. It's a permanent forever research. I'm going to this conference here. I'm going to this here. I'm going to this thing. And you're going to New York. You're doing it. It's just like, fuck. It just this never works out. I've not seen one person do what you're trying to do in the way you're trying to do. and it's come out successful. Not one that I can think of. I'm sure there's someone. Then what's the successful way to do it? If it's the salon, you need to go into a salon.

44:49You need to work for them and you need to build an endless list of clientele and work your butt off for not enough money and then take them with you. That is a path that I would look at. If salon is our big thing, art, that's just putting yourself out there and trying to get into as many galleries as you can. And in terms of the physical art world, I don't know that as much, but I know just traveling and researching, That's not what's going to do it. What are you doing in New York? So I have my friend. She's a model and she's been. No, this is the thing. She is a model at one of the schools there.

45:22I probably shouldn't say it. And yeah, basically she gets me free like classes in there so I could oil paint and stuff. Oh, for f***s sake. Yeah, but you have to pay to go. I create connections. Oh, yes. It's the endless connections, guys. That's another excuse that everyone uses. guys I'm getting connections I am shut up I'm sorry what do you think your score is 0 to 10 it's just stupid 0 well first realistic thing she said all day guys get your financial score take the assessment it is free at calebhammer.com link in the description below and if you don't want to be like a guest on the show make sure you download our DollarWise budgeting app take the trial and then sign up for the annual version if you want to save a lot of money and I'll also send you a signed cookbook mailed directly to you that can't be purchased anywhere else remember you can also sign up for DollarWise Central our premium product but it does save you a ton of money if you want all of our educational resources and the premium version of the budgeting app.

46:13It's 80 % off through DollarWiseCentral, DollarWise.com. 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. Exclusive and uncensored financial audit episodes. Our call-in show, Hammer It Out. And brand new shows, Fat and Fatter.

46:47Behind the Audit. Hammer vs. Internet.

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47:35Sorry that intro took so long, I didn't jump in this. But I got to learn these creatures sometimes. And oh my gosh, there's a lot to learn with this one.

47:47What's wrong? Your laugh is scary. Freedom card. What's going on here? Freedom. Uh-huh. I had too much freedom with that card. Ha-ha. What's going on with this card? Well, that's where it all started. Okay. I will say I was very responsible when I first got it. and then after my it's over maxed out yeah oh so after i left chase i how long ago was that oh that was probably like 20 22 okay go on yeah something like that um but basically i took eight months off of work within that that's when i took why because literally just the amount of stress that I felt from that job. You're never going to survive in this world.

48:41Nope, you're done. You're never going to survive in this world. You're never going to survive. You have no idea what's happening in my life. I've worked many jobs, many good jobs. It's not even just jobs, it's life. Yeah, I'll get into the life stuff later. We'll get into it later. I hope not. You come on. Come on. That doesn't mean you take work off for eight months. That wasn't the intention, but also no, and this is the thing. That was the workers' economy, by the way. No, and the thing is, too, I was trying to work on the rugs. That's when I started doing rugs. No, no, no, no, no. Okay, okay.

49:20But it's, I'm alive, okay? This has always been a failure. All your businesses have never worked. No, you're trying everything. Oh my God. Hey, but it's fine. like I'm trying to fix it. You're over maxed out credit cards. No, it is not fine. Eight months off. How did you afford to live for eight months? Was it just credit cards? I had a savings at that point. You had savings? Yeah, yeah, yeah. So this is the thing. I was very responsible when I was younger with money and stuff until after Chase. So I always had like$4 ,000 to $6 ,000 in my savings. I paid off my card immediately. What was your savings?

49:57What do you mean? No, they're telling me it was your 401k. I did withdraw that. I know, I know, and I regret it. I will say I regret that. I know, I know. The time was on your side so much. I know, I know. That money compounding for the jackets of your life would have been incredible. I think the 401k might have had$4 ,000 in it at the time. That would have turned into tens of thousands by the time you retired. I know, I know, I know. Also, you could take time off because you owe bullweeds. Oh, f***. Because that's the thing. I believe I was like 22. I was like, oh, like I got this. I have my dreams and blah, blah, blah.

50:38And yeah.

50:42Yeah, I know. Something's not lining up though. Because listen, this was a long time ago now. And when I asked you what's going on with this card, you told me that that doesn't make sense. You wouldn't be over maxed out right now. Oh, no. Yeah. From 2021. So what the f*** are you talking about? Why are you over maxed out? Balance, balance, balance. $8 ,437.83. Minimum monthly payment,$222, which on a thousand hours a month, a little difficult. Angel numbers.

51:21So you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at FINRA.org slash trade smart. Are you having a stroke? What's happening? What are you doing over there? Yes, I'm having a that. You won't catch me saying that. Not on camera, no. That's where everyone fails. Everyone's naughty behind the scenes. I'm just brave enough to be goony on camera. So what?

52:11What? Well, I don't understand why you're over maxed out. You're purchasing. Why are you purchasing? Why the f***? Possibly. If you're going to get pushed to over max out, are you purchasing on a card? You f***. How long does this take to pay off if you make minimum monthly payments only without any purchases? The thing is, is that... Hey, answer my fucking question! Trying to answer it! No, it's a number. It's a number. What number? See? She's trying to answer a question she didn't even listen to. Shut the fuck up. Oh my God, you didn't ask it right. I'll ask it again. Thank you. The same exact way because it was correct.

52:47Okay. How long does this take to pay off if you make minimum monthly payments without any purchases? Oh, oh. That's exactly what I asked, by the way. That's like going to be what? Is it 20 years? No, over 20. Yeah, basically 19. Yeah. Yeah, you'll be almost a 50-year-old failure.

53:10We're still living with daddy. I just moved in. What do you mean still? It's like what? Day seven? Over maxed out credit cards. 20 years to pay it off. No, it won't take me that long. I'm going to figure it out. No, you won't. You were purchasing it. I'm going to figure it out. I'm going to figure it out. This is what people say. You think I'm going to stop pushing back on you because you're going to say I'm going to figure it out? Listen, this is what you are doing right now. Like, why am I believing that? That is such a f***ing lie. If you would figure it out, you would have figured it out. What you are doing right now.

53:39I'm trying. Shut the f*** up. What you are doing right now. What you are doing right now is purchasing$84.93 while$138.27 of interest is accruing. I'll figure it out. F*** you. This is what you're doing right now. What are you purchasing on here? Lady, what are you purchasing? I've been buying, it's probably a lot of Trader Joe's stuff, like food or whatever. I don't know if I used that card to buy my New York client. Where are we going to Trader Joe's? That's where the bushwhackers work. Well, yeah, that's because I was working there at the time. Remember, I quit like two weeks ago. So, yeah, that's like where I was getting grocery.

54:12That's where you quit from two weeks ago. Like around two or three. So you want to see the dog slipping through the bush? No. I'm, like I said, I'm figuring it out. Okay. I have a solution to figuring that one out Don't go there No just go to literally any other grocery store You live in a major city Oh no no yeah yeah yeah Okay I'm glad we figured that one out That was in my other That was the Trader Joe's in the other city I don't know sounds like the heads be peeking through them leaves I don't want to see that I'm just I'm gonna be on the lookout Next time I go to Trader Joe's Why do you want to see that Compare sizes

54:56and no it's getting bull it's jet blue and it's pizza hut so $805 of interest accrued this year so far it's only at a 20 % interest rate which is great for a credit card if we're being honest so you are getting destroyed almost a thousand dollars this year alone on what's considered a relatively halfway decent credit card interest rate So you are f***ing that up

55:24well yeah i mean i'm like i said i'm gonna you hate the answer but yeah i'm gonna have to figure it out what is that that is such a bull response I know it's such a dismissive response it's not dismissive I just don't know what else to say like cause that's all like I yeah you're not figuring it out you've never figured it out you're only getting JetBlue f*** you go in inside getting some bulls*** f*** you Pizza Hut f*** you f*** me then yes I mean if you're going in and getting some bulls*** I can tell it's only a few bucks and you're going into Pizza Hut as well. I know it's bullshit. It's bullshit, bullshit, bullshit.

56:06So what are we doing? Why are we doing that on a card that is over maxed out? Like you're destroying your life. You're making it so much harder for you to ever move out. So much harder to ever be with your boyfriend. Because this is a thing, because the money that I was making, it was my monthly minimum balances for all my cards. It's so much that... Oh, shit. Oh, shit. What? This card says... Oh, I said it again. No, it says I'm the star. You can't read that. It said I'm the star. That's why I'm on this show, because I'm the star today. Like, come on. Oh, you disgust me. No, are you here only to be on camera?

56:47Because if so, I'm ending this conversation. Oh, my God. No, I'm literally here, obviously, being vulnerable right now. I brought my life, and you threw it. Well, it was like five pages in like 300 empty pages. I don't know what I was supposed to do with it. Because you're trying, I want you to fill up the rest. Help me out. I've already told you, honestly, that this show is very basic. Now, for what it's worth, you know, a lot of people, I've seen some complaints. It's a little weird. Like, I can't believe this isn't a super intense financial education show like the Money Guys. This is very basic, but it's also awakening more people and changing more people's finances than any of those other shows.

57:23money guys, Brian and Bo, I love you. But it's just like, because there's more views. So more people have changed their life with this because we do the wake up call. A lot of people don't even know what the budget is. A lot of people don't even know how bad that is. So that's what we do. But let's be honest. This conversation is basic. I could do this in five minutes. Your business sucks. Quit. Go get a real job. Pay off your debt. Smalls to large. Just use a budgeting app. We'll gift you ours for free. Boom. Relatively easily solved. That is basically the entirety of this. Now we go through each example of your documents and I learn about you and we get in more detail, but this is simple.

58:01You're a failure. You cannot be. Simple steps, budget, sacrifice your wants, get a real job instead of being a fake entrepreneur. Boom. You're on your way. Daddy, stop enabling daughter. Boom. You're on your way. It's like he's just investing my future with this. He's making sure you're never able to be independent for the rest of your life, which is horrible for your future. And I'm going to call him in the post show. Let me tell you. Oh, my God. Do you know Spanish? Does he know English? Not much. I was hoping. You could try. I mean, you could try, but I don't know how it's like for real going to go.

58:43I have some Spanish speakers here, but... okay i don't know i'm an english speaker because you know i mean yeah we could try that we could try that first and then yeah why doesn't he speak english i mean he does but like he gets by or whatever with everything something i would learn yeah i mean he knows enough to like try to yeah you know like for the show you know the sake of my business and everything if i'm gonna operate here like i mean he knows you have to operate it though that's what yeah yeah good good good but not for me to communicate I mean you could try like I said you could try I'm not criticizing him for not speaking English specifically it's just like since I was born I feel like that's a long time no yeah yeah for the benefit of him and his kids I mean he's always stayed in like construction and stuff so like he just kind of learned that instead like strictly that I guess okay fair enough discover it discover it oh good we're over maxed out again yeah yeah You're nothing but success.

59:43Guys, remember when she said she was doing better earlier? Shut the f*** up. $7 ,175.28 on here with a minimum monthly payment of$186. Purchasing. You're f***ing purchasing. In what world do you think you can purchase on here? Listen, usually I give guests the f***ing fizz card, debit card that builds credit. We like that. I don't even want you to have that because you'll find a way to abuse it and hurt yourself even though it's hard to do with that thing that card originally I used it for a balance transfer this was 30 years to pay off you used it for a balance transfer and now you purchased it on and you're over maxed out yeah

1:00:27I did go through a whole phase of like shopping a lot like a lot it is a miracle we have survived as a species YouTube did tell me the balance transfer or whatever It can be a tool I'm okay with balance transferring I'm okay with consolidations I'm okay with bankruptcy There are consequences to all But I am not okay with any of them If you do not change your behavior And you very clearly have not changed your behavior I'm changing it now No you're not You do not just be like Come on the show I'm changing it today No look at your actions I have it right before you came on the show Shut the fuck up That is a bullshit response That I will not accept I will never accept the response If I'm changing it now Or I need to work on it No fucking shit This is what you're doing like a day before you came on.

1:01:11So shut up. Balance transfer, bankruptcy, consolidation are damaging if you do not change your behavior before you do those. They can be a tool with some consequences, but potentially a tool. If you change your behavior, I recommend at least three to six months of behavior change, proving it before you do it and you didn't. What were you purchasing on here? Last time you said it was something something that wasn't even close because it's Pizza Hut bullsh** and flying. So that wasn't true. What's the lie going to be on this one? What are you purchasing? That's the thing. I'm like, all I remember.

1:01:46Who told you to balance transfer? Someone on YouTube and then also at the. What? You don't even know who you're watching. That's the thing. That was a long time ago. Listen, if you're going to listen to me about anything, at least know me. Now, no, that's the thing. Now, now I'm trying to, you know, find my YouTubers. That's why I found you. Again, aren't this basic? Like even those who criticize me and hate me, they don't say what I say is wrong. No, that's I mean. No. Yeah. You ate with that. Yeah. So you don't know what you purchased. No. That's a credit score. 650. Not great. Oh, I thought it was lower.

1:02:25OK, some gas. But then you went and got some bullshit. Went and got some bullshit. Trader Joe's got some bullshit. Trader Joe's got some bullshit because that's certainly not groceries. Way too cheap. If you went in and you got some bullshit, nine bucks, seven bucks. From where? Trader Joe's. Oh, no, that's always. The dick out factory.

1:02:44Okay, listen, it's Trader Hoes. And then also at Trader Joe's, that's usually where I get my snacks. Don't tempt me. I'm going. Hey, you should work there. I do okay. So, hobbies? Hobbies? Working retail? I have nothing against working retail but that doesn't sound like a hobby like no offense you have no time for music maybe you can make time for this that does not make sense okay so you're going and getting some bullshit constantly no I just feel like I always buy no I usually just buy like groceries you're not it's like 7 bucks I know for a fact no I don't buy snacks like that like I stopped because I was like water I buy water yeah like that's I need water are you stupid?

1:03:36we have water bottles I know I buy the water bottle no we have water bottles to be refilled you're going and buying single use? you want me to buy a water bottle yes cause it's one time what do you think? what are you talking about? this costs like a couple of your trips you're done and it's done then you don't have to I'll get a water bottle Is this a brand new concept? Which card should I put it on? When you go make money. Until then, you're drinking out of the faucet. Like a what? What racial slur were you going to use? That's like the image that came in my head. You're trying to get something out of me.

1:04:21You can't get it out. You know why we bleeped what she said? Because she said the N word. Oh my God. You're so crazy She said the end Ladies and gentlemen Oh my god Y 'all believe What you wanna believe I can't control that Listen I don't know You're just going in And getting single use Single uses And uh This Citgo A OZG You went in And got some bull Cause Wawa That was gas I probably had a Petco What for seven bucks Definitely not food That is way too cheap for pet food? Oh, I sometimes get like the individual cans. You're in a band with folks from Trader Joe's. Yeah. Yeah, we're in like a folk punk band.

1:05:08Are you spending money on this at all? Recently because my coworker, he has a new neighbor and so now we have to go to a studio to practice sometimes because of the drum set. So that's like $30 sometimes. $30 a person? $30 a person. I know you make no money I know I know I know that's the thing and so that's why like now in the Tampa or whatever I'm trying to tell them like maybe we can practice at my place now now that at my dad's or whatever oh your dad will love that yeah he encourages it

1:05:46doubt no he does he's a party guy you're playing folk music folk punk Peel the mask away, drop the masquerade. Wells Fargo, 20 years to pay off again. Please don't be over maxed out. Please don't be over maxed out. Can't find the max. Huge balance regardless. What's up with this card? So each card has always been like a balance transfer to the start. Yeah. How many times have you done this? I... In total, I have four credit cards. You've done four transfers and then you've built them all up again Technically three, yeah Yeah, no, I was crazy What if after one It would suggest that it doesn't work You tit It just kept going and going Because I kept saying it's going to be different this time And then it wasn't different Why would you think it's different It's just like you saying I need to figure it out afterwards It doesn't ever happen My mindset has changed No it doesn't That's what you said before the first consolidation and after the second consolidation.

1:06:56And after the third consolidation, this fourth one is no different. I hit rock bottom. I hit rock bottom the only way is up. You haven't hit rock bottom because you can get into a much worse situation. I know I could. I know I could, but this is my limit. I told myself this was going to be my rock bottom. No, you don't get to decide what your rock bottom is. That's not how it is. Life will go. You're lucky you have Daddy there, but he's allowing you to go even further down. if he dies you're i like uh i i'm figuring i'm gonna figure it out like i have to so as many of you know i've been a big supporter of course careers for a long time i'm not just a partner i actually own stock and i'm an investor so why did i partner with course careers because i truly believe in what they're doing a lot of people have questions about online certifications versus traditional college degrees let me be clear i wouldn't put my name behind something unless I knew it worked.

1:07:48The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only gonna continue to grow. I know some people think online programs are a quick fix, But that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path.

1:08:23They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, it's about landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process, from learning the skills to interviewing, resume help, and beyond.

1:08:59So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course linked in the description to explore your options, And when you're ready, use the link in the description for$50 off the full course. Your future starts right now and Course Careers is here to help you shape it. I know. Yeah. What a bullshit response. What do you want me to say? What do you want me to say? What would actually satisfy everything? Absolutely nothing. Exactly. So I'm just going to, you want me to talk or whatever? That's what I have to say.

1:09:27But you don't have to say that. I don't know. What do you want me to say though? No, there are answers that other people have given that has satisfied me. I'm trying to think of an example. Listen, we're doing this live, right? Because it doesn't seem like there is if you can't think of anything now. Because what you get to do at least is give an example of what you should pay off when, what you could make at a job. You didn't even know what you're making. You could give real life examples of what exactly you have to do. Instead, what you do is the deflective, I just need to figure it out. Such a general, broad, nothing answer.

1:09:53Yeah, because that's the thing. Because I just moved, so I haven't sat down and do it. This is me sitting down right now. I know. Instead, if you actually ever figured it out, you've only ever told yourself, I need to figure it out. And that's why I will not accept it. Yeah. And now I want to put action into this. Why do you think I want this show? this is low-key action. I'm flown all the way from Florida to be here. Yeah, but we pay for that, so it doesn't mean anything. time out of my, like... A day. You lost a day. I still, I put in the action to come here and talk about it and be vulnerable.

1:10:22And I'm glad. I'm excited about that. I'm not shitting on you for that. All I'm saying is the phrase, your phrase of, yeah, I need to think about that. I need to work on that. It's nothing. Because that's what you've told yourself your entire life after three consolidations in a row and it's never worked. So I cannot allow you to say that because it is damaging to you because it's never worked once. Yeah, I have to put action in. I know. I have to put action in and I want to figure out what that action is. So you purchased$201 on here. How about not that action? That's a good start. Right. I over the limit by 100 stupid dumb dumb $133

1:11:03The minimum is$177 stupid This is so stupid. Minimum monthly payment is, or the balance is$5 ,133.58. What did you purchase on? It just happened, so you should know. I will say, whenever I use a card, I'm not looking, I'm just seeing which one has the balance to like pay it or whatever, because my checking account always gets to zero because I have to pay all those minimum balances. Because I think in total, I probably pay like$700 a month for my credit cards in total. Good, you deserve that. Yeah, that's the thing. I have nothing in my checking, so then usually... Good, get a job. Yeah, yes. I'm going to put in the action.

1:11:46I certainly hope so. That's a wait and see. That's not a conversational piece. Yeah, we'll wait and see. Yes, I also should say, you just need to put in the action. That means nothing. You've done nothing. You've always only told yourself you need to put in the action, then you never do. So that means nothing. Shut the f*** up. So you have no idea what you purchased. I just... It just happened. Was it food? It probably was food. I've been buying food. Yeah, going in and getting some bulls***, getting some bulls***, getting some bulls***, going, getting some bulls***, getting some bulls***, and the garden restaurant, and getting some bulls***.

1:12:25And then Vance, you did not need new shoes, I promise. Oh, I literally didn't have any shoes. That's a lie. There is no way. I only had heels. That was it. There is no humanly possible way. I don't own a lot of shoes like that. A lot of shoes, but you own shoes. Heels. I only had heels. Go to Goodwill.

1:12:43$371.87 of interest this year so far. Well, you certainly can't afford a restaurant that was more expensive than Vans. The Garden. The Garden. The Garden. The Garden. I don't even remember what that was. It was$86.50. $86. And 50 cents. Garden. I really don't remember where that was. Now this is dad that enables you. When you do not have enough money in your account, and you do not have... Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only. Prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California, and for delivery.

1:13:32The ability to spend on a credit card because they're over maxed out. Does he ever give you money? He's helped me. No, no, dad, no. Papa. Right? What do we call them? Yeah. Senors? Senor! No! Papi.

1:13:55He says that when he was my age, he was drowning too or whatever. So, yeah, he's. And what happened? Did his grandparents bail him out? Well, he said. Did his grandparents figure it out? What did he say? He figured it out. There we go. He figured it out because there wasn't an endless enablement system. And now he is making sure you never figure it out. How much does he lend you here and there? Lend or give? I don't even know. Do you have debt to him? I try to. Do you have debt to him? I offer to pay it back, but he doesn't. How much and how often and when and what? It's only been whenever I couldn't pay off a bill or whatever.

1:14:33Just always, you don't make money. Yeah, well, yeah, there's, for example, like$100 usually if I have to like say a certain thing. You borrowed$1 ,000 the past few months. Yeah, because I needed, like I said, with the bills. Like if it's just like, oh, you know, like here or whatever, I couldn't like pay for the Uber. So he had to like send me$100. Yeah. But with the other stuff, yeah, like the, I had to get like 600 for like bills and like whatever. And yeah.

1:15:11I thought you couldn't break those mics. Oh, nevermind.

1:15:19Yeah. Dude, you're never going to make it anywhere until he cuts you off and makes you actually go get your own shit figured out. Because you're never going to have the incentives to figure it out because he's always going to help you. If he can take care of the bills, why would you have the incentive to go grind and pay the bills? Literally. Can you answer that question? Okay, so. Answer that question. Why would you have the incentive to go out and grind when a bill comes due if he will just pay for it? Because it's not like he can always pay for it. Like with his job, it comes in seasons, like construction, you know.

1:15:50Great, so you're taking from someone like that? That's honestly selfish behavior. And it makes me feel terrible or whatever because of other situations. Not terrible enough to consistently do it. Well, this is a more recent thing that happened, though. Like, this had been for, like, the past... I started having these issues, I think, like, about a year ago. Because before that, I was never asking him for money or anything like that. Does your boyfriend speak English? Yeah, yeah, yeah. Okay, maybe I'll call him in the post-show. Okay, yeah, call him. Because you guys have been together for so long, and he must be enabling you, too.

1:16:24And the fact that he's living there, it's so weird. You guys are just deadbeats. Hey, we're trying to come up with actions now. Again, that is a nothing term. You're trying to come up with action. Do action! I know! But you're not. You're not. No, you can do so much without coming on this show. You can literally just fucking go work.

1:16:49So stupid. And you plan on spending hundreds upon hundreds to get a salon set up in your house illegally? Oh, my gosh. Well, because it just Illegally? I want to look into it and see what I can do Oh my, that's her response for everything I know it is Stop telling me the same shit too Instead of just saying, oh, you're right Oh, I'll look into it Like, shut up Oh my god Why do you want to hear that you're right so bad? Why do you want to control the conversation so wide? It's not about my ego It's about you accepting it I didn't say ego that's how you're framing it it's about you accepting it I accept it instead of I need to look into it it's a deflect and move on response that's what it is I'm trying to accept it that's the thing I have the debt don't try to accept it I accept it wow she finally did something first time in her life

1:17:54good luck to your family City Simplicity. Okay, what's going on with this card? Yeah, no, it was, like I said, that was the last. Yeah, no, that was the last card, actually, that I got. Balance transfer. Yeah. I'm still purchasing. Still purchasing. Over the limit. Over the f***ing limit. What a joke. What a joke of a life you live. You don't give a f***. $76.42. You don't give a f***. Everything's been full Other than one gas purchase Haven't seen a single necessity What a f***ing joke 14 years to pay off Good luck Good absolute luck For a Paris trip? I did go last year And Amsterdam What the f*** is wrong with you?

1:18:45You can't afford sh*** Yeah, that's actually how I completely maxed it out Actually

1:18:53oh i'm going in and getting some bullshit going to getting some bullshit getting some bullshit and laundry do not have laundry at your house no i mean now i do like the laundromat or whatever yeah yeah yeah i have it's like um where i was at okay that's fine that's fine everything else was BULLSHIT! My god. What? Like, ugh. It was all bullshit? Are you not willing to accept it? It was all bullshit? It was all bullshit? You were going in and getting some bullshit? You were going in and getting some bullshit? Groceries, gas, laundry. Not groceries. Not groceries. I guarantee you they were not groceries.

1:19:34Oh, the water. Yeah, I got it. I have to buy a Walmart. Come on. I got it. You're f***ing around. You're being bullsh**. This is so f***ing stupid. The way you were living. No Gila, so this is student loans? Yeah. What did you do? This is for cosmetology? Yeah. $10 ,000 for cosmetology? It was$18 ,000. All for you to not use it? But yeah, I had a Pell Grant and then I paid off a$500 loan. Oh, man, we Pell Granted for cosmetology? Kill me now. $9 ,935.69. Really look at the Pell Grant system, ladies and gentlemen. Payments are becoming due soon. Yeah. Because the time for this sitting at zero is done.

1:20:20Yeah. Oh, they've announced it. And you're going to have to actually pay the bills that you chose to take out. Ha, ha, ha, ha, ha. Yeah. You deserve it. And I'm okay with income-based repayment. That's okay. And luckily you'll be on an older system of income-based repayment instead of the newer systems that have been announced because that's for future borrowers, if I'm not mistaken. But$9 ,935. I'm guessing with an income-based thing, it's going to be pretty cheap. Typically, I'd say you're about at$150. Traditional, I'm going to say you're going to get moved down at$25 to$50. I'll do$50 just to be safe as we make out the budget at the end.

1:21:01This is ridiculous. How long was cosmetology school? It was about like a year and a half for me. Okay. Yeah. Is that normal? Well, it took me a little bit longer because of family stuff.

1:21:18Okay.

1:21:23Okay.

1:21:27So these are going to come due soon? Yeah. And you better pay or else they're going to come and get you. I'll pay. I'm paying it. I don't want the f***ing at me. This is your checking account. really not much in here. It's very scary. Lots of transfers back and forth. Oh, yeah. Paying for? Paying for deposits? Paying for, paying for, paying for, paying for? What are all these paying fors? Oh, so my... Oh, no. Overseas, my mom lives in Venezuela, and she uses my debit card for transactions over there for, like, food and stuff. Why you? Why not papa or papi? you make no money it's um so my dad and my aunt um they transfer and then i also help out to like send money over there uh they're seeing the statement that they went through they were not seeing overseas transactions it is some of the pay and force well it's because she has i mean i guess she has access because they use zelle over there for the grocery stores and stuff zelle's different i'm talking about the chase paying for us oh that oh yeah yeah yeah you know the thing that I said like four times yeah I never mentioned the word zell once sorry sorry yeah yeah yeah no my bad because I'm glad we're just hearing things that I'm not even saying yeah oh my god okay well that um yeah I had used it because my mom needed money and stuff so then I put that like you just did everything else wrong like yeah Michael's stores going and getting some BS going and getting some BS going and getting some BS salon centric going and getting some BS The Hideaway Bar.

1:23:06ATM a draw. $560. Who knows where the f*** that went? That's insane. Battle to LA. Go in and get into BS. Go in and get into BS. Wendy's. Amazon. Go in and get into BS. Brookhaven Pizza. Go in and get into BS. You go in and you stop for s*** constantly. Pizza Hut. ATM a draw. $20. Who knows where that went? Go in and get into BS. Oh, oh. Zellie now. Hold on. How much does mom take? Because this is like upwards of$2 ,000. Well, yeah, that's the thing. We help fund everything over there because it's... You don't have money. You can't. I'm sorry. The best way to take care of other people is making sure you're at least able to survive so you can take care of them long term.

1:23:46Right now, I'm seeing about$2 ,500 to sell. That's impossible. Your savings has gone down to$0. This is impossible. You can't fund this. Your dad can. You cannot. You don't make money. How would you... I don't like this. And I know the situation in Venezuela is a bit... Yeah. Because it's also my grandparents there. And my grandma has Alzheimer's. You don't make money. How are you ever going to be able to live life? Yeah, I mean, that's the thing. And it's hard, too, because in Venezuela, like, the prices, they change every day. Have they considered coming here? They can't. Why? Well, my mom can't.

1:24:22She has to wait 10 years. Okay. Yeah, because she got... How far is she? Seven. Ten years of what? Because she was deported. She was deported? Was she on asylum? For Venezuela? Yeah, it was like, we tried to do the asylum thing and stuff, but our lawyer, they switched it over to a different lawyer at the last minute somehow. Did you have a public lawyer? And she was terrible. She had everything wrong. You had a public lawyer? It was, that's the thing. I was 18 at the time, so I don't really know too much from that, but I know that it was like... 10 years and then what? And then she would have like a chance, I believe, to like try to like reapply for like a visa or something.

1:25:06Yeah. Of which I wonder what that accept rate even is if that's not our record. No, yeah. Yeah, so. Yikes.

1:25:18Now, as I build this budget, you and your boyfriend have been together for a long time. And I understand it's a complex relationship with you guys not wanting to get married, but we're still kind of a household. It's weird. what is your guys' communication, relationship with money as I do this budget? What is anything with you guys? So I know that he's not super comfortable with finances and stuff like that. In what way? He just doesn't learn about it and all that stuff. He did have a credit card, but it was one of those things. Does he have debt? It's paid off now. He has no debt. So why are you trying to say he's the one bad with what?

1:25:59Oh no no I'm not saying he's bad at it he's terrified? But he has no debt yeah but he doesn't like he gets scared to look into it if that makes sense you should be scared too you have completely f***ed your life but what is your guys relationship communication with finances what are we playing to do to like with my credit cards or like no with the finances you guys together um because like the marriage thing he may have taken advantage of you um no no I don't think so because me and him we've always kind of gone back and forth with um like if he has a job and then I don't why don't you guys just have jobs together you guys are so weird yeah that's something that but I am being told that some of the spending for him is done on your debt whereas you're the one settled with all the debt he is not meaning that in a way that does put especially with not being married it puts the bill on your plate the debt on your plate would that not be a heavier weight towards you versus him i mean yeah like um i guess the thing is i was the one that got the credit cards and everything like that and i off that's the thing i offered to like help out because i know that he wanted to be a chef and everything and so i know he was working as a cook and i know and then it wasn't making a lot of income from that yeah so that's the thing like can you guys do something that makes an income by chance at some point ever that's why he's getting into construction and trying to he's literally just with your dad though he wouldn't have a job if it wasn't your dad yeah i know my dad like your dad is and just no but if it wasn't for your daddy guys would be dying yeah no i'm grateful for my dad no like you might need to be dying a little so you can get your shit in gear.

1:27:47I'll get it in gear. Everyone, you learn the thing sometimes people need to reach rock bottom. Yeah, I think you need to. And the way to do that is your dad takes away the piggy bank. Hey, this is the thing I... Because you're not going to hit rock bottom until he does. I've worked a lot, like my whole life and stuff, even helping my dad and everything like that too. So it's, and I know in his way, it's just a lot to get into or whatever about growing up. But yeah, basically I know, I don't know, it's just complicated. Okay. Yeah, I don't know. Yeah. What's not complicated is very clearly you're being enabled and it is holding you back.

1:28:24That's not complicated. That's the reality of the situation. You would not be okay with sitting on your ass for a few weeks if you did not have daddy there. If your bills could be covered by him and if the roof over your head can be covered by him, you would not be okay with your current situation. You would be out there finding a way to make money. you would be out there providing value in the marketplace and you would be receiving dollars back and you'd be able to pay your bills and you'd actually be learning financial discipline. But because daddy is there to save you, you have really no need to do that and it's okay for you to sit on your ass.

1:29:00I'm not trying to sit on my ass though. But you are and you wouldn't be if you needed to. I've been there for a few days. What do you mean I've been doing that? But you quit a few weeks ago. You would have something lined up if you didn't have your dad lined up. But because he said, like I said, the two month thing for me to just get myself together for your dad. Exactly, that's unacceptable. I know, I know. I can't have the two months and then, you know, go out and do it. You figuring out is trying to set up an illegal shop. Like it's nothing real. This is so dumb. Income, I don't even know. But we can only see what you need to survive for a budget.

1:29:34So this is f***ing ridiculous. Your debt minimum to payments is$711. $47.42. Do you have to pay rent, utilities, internet, anything? No, not yet. Okay. Gas, vroom, vroom, drive, drive. I'm near a lot of stuff, so I don't think I have to pay that much anymore for that. So I'd say probably maybe$40 a month. Car insurance. Car insurance is about$230. Chunky. Phone bill. Phone bill. My dad takes care of that. Uh-huh. If you ever have to have yours, as long as T-Mobile's getting your area, I would do Helium. Super cheap, super affordable. Oh, thank you. Necessary food. How does groceries work in the house?

1:30:19Not you stopping for water every five seconds of your life. How do groceries work in your house? I would say. I've been noticing, I think, around maybe$150. No. How do groceries work? Who's buying what? Well, right now it's been my dad and my boyfriend. I have to with the money that I got from Trader Joe's, like right now. But for future. So. Like, do you because that's the thing I'm like, I just like to not have the TV fund,$100. Anything else you need to survive groceries? I'm going to say 150 is what you contribute. Maybe medical, health care, anything. I know my dad takes care of that one.

1:31:02I'm on his plan. No. No. You're 26. Isn't that where it ends? or it was 26th of last year? Oh, no. Well, he, I don't know. He put me in some sort of plan or whatever. I don't know. I don't know. No. I don't think so. I just know that he at least covers the payment for it. Oh. I don't, that's, yeah, I know. Oh, you baby. Oh, God. You'll never learn anything. It's true. I'm trying to learn now. No, you're not. I'm trying to learn now. No, you're not. Subscriptions, no. Fuck off, fuck off, fuck off. off i don't know dude so you may be bringing a thousand hours but you need at least to just live with him alone is a thousand two hundred thirty one dollars and 42 cents what is your plan with that i'd like to hear from you self-assess what the is your plan with that how do you even pay for that what's your plan here you're always thinking about it and you have to think and you have to make plans go ahead make one okay so um i know that i can get some hair services in as well as sell some rugs and everything like that typically like i said a thousand that's a thousand there that's a thousand there there's a thousand there okay um my boyfriend i know you're gonna hate this or whatever but he is going to help me with this since he's getting paid and everything married i'll i'll look into that because i like i said i haven't looked into it genuinely with marriage i haven't looked into like that oh my god okay and then um okay so like i will say i what will you say i do travel a lot and i I want to factor that into like budgeting somehow.

1:32:53Wait, that doesn't make sense. You can't even afford what's there. And that's nothing. Yeah. How the f*** are we even talking about travel? Like, I don't know. Because I know like, for example, I know there's like a cruise or whatever that my friend wants me to go on and stuff. Your friend or they can pay for it. True, true. They can pay for it. That is your only way to go on the cruise. What are you laughing at, you s***? Oh my God. Because, you know what? I can either cry or laugh. What else is travel bullshit? F*** you. Well, I go to New York pretty often. Why? Because. You don't have money.

1:33:32And you're trying to fund your mom? That's not even in the budget either. I, okay. So I don't have to pay for a place to stay there. I usually find tickets for$30 round. I could get a dollar pizza there. Or actually a lot of times I find things where it gives me free food too. like events and all that stuff. I get invited to a lot of events over there. I mean, they're calling you out. They're saying lies. The flights are not$30. Oh, yeah. No, like that's the thing. I try to find stuff like that. At most I'll go with$0.80. This is one of the things that she tries and then she doesn't and then she's like, okay, so I'm just going to spend a lot more.

1:34:07Off. Off your mindset and your excuses for your own life and misbehaviors are unacceptable. Unacceptable. You have f***ed around and your dad needs to cut you off and you need to hit rock bottom. And I'm going to call them both. We are going to talk and I need you to get f***ing destroyed so that you have to go out there and get s*** done on your own. What a joke. Listen, guys, join us in the post show. I'm going to give our Hammer financial score right now, but join us in the post show. Remember, sign up for Hammer Elite is free for this month. I will reimburse the purchase at hammerelite.com.

1:34:46come watch the post show. I'm going to call her boyfriend and it's going to definitely be interesting. I know that for a fact because I need to confront the f*** out of this failure. Spending in a budget, you overspend 0 out of 10 debt. I mean, they're over the balance, all of them, except for your student loans because you can't. 0 out of 10 then. Emergency fund, you drained it to 0. 0 out of 10 retirement, you took it out. 0 out of 10 real estate, good f***ing luck ever affording that. 0 out of 10. Hammer financial score 0 out of 10 Join us in the post show Join Hammer Elite in the description below Or click that join button Submit the proof of purchase At HammerElite.com Only for this month And I will reimburse it with a$10 digital gift card That can be spent anywhere in any country You allow yourself to quit your job Take out a f*** Why didn't I know about the payday loan I forgot Have you ever jerked it at work Posture teaser is going to look very weird You are being cucked No, no Oh, no!

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