She Came Here To Fight Me | Financial Audit

23:33If you've been told no a million times, try Y-Refi. Head to Y-Refi.com slash hammer. That is Y-R-E-F-Y dot com slash hammer. Or call 888-Y-Refi 78. That is 888-Y-Refi 78. Break free from the high interest trap and get your finances under control once and for all. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage.

24:10Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. built by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com. Link in the description below. And then as I was starting National Debt Relief after about six to eight months, started taking on those debts to be able to consolidate.

24:46So I started paying them. It went from$1 ,200 a month to$500 a month. So there was another period where it did feel like I had a little bit more money. and yes, I was still indulging in my going out to the antique and the thrift stores. Antique? What the fuck is this? Why are you so obsessed? So antique stores now sell retro games and shit. Like antique stores aren't even antique these days. They're trying to appeal to millennials and shit by putting Tamagotchis and shit in there. Okay. Well, are you actually willing to sacrifice some of the things that make you happy? That's the thing that we're thinking about through the end of this conversation.

25:18And that, and I, you know what? Your wine. You mentioned wine. I do enjoy it. Weed, I bet. but you're a little stinky. Okay, there you are. I did not smoke weed. It is illegal here. I do smell like cigarette and I do apologize for that. I said you're stinky. Yes. I was just trying to defend myself. So actually smoking stuff. Okay, weed, cigarettes, wine, thrifting. We all have our vices. Sure, we have vices. Not everyone drains their entire budgets though. Yours do. Those are all very expensive things. Thrifting's not cheap. Wine's not cheap. Cigarette's not cheap. Dude, I can go into a thrift store and find a$2 Polly Pocket.

25:52Okay, fine. Let's call that one. The other three are cheap. Not cheap. Depends on the antique store. Some stuff is cheap. No, the other three, cigarettes, wine, weed, not cheap. What are you willing to sacrifice? I buy boxed wine. Are you willing to cut? $17. It's cheap as shit. For how often? It's a$4 box, and I can get it to last one to two weeks. Weed, it's about$40 a week. So I can see that. Add that to cigarettes. Well, and it's not. Add cigarettes. Cigarettes and cigarettes. Have you ever had an addiction? It's not about that. We're talking the number right now, not the addiction. Like a pack a week.

26:28Like a pack a week. And how much does that cost? That's lower than many people. It's like 12. Because I've quit like 12 times. So, well, then you've never quit. Bullshit. You cannot take that away from me. Are you smoking right now? Yeah. Because I'm... Then I don't... Then shut the fuck up. So cigarettes, even if a little cheap... Huh? Someone's never had an addiction. We all have our own little addictions, But no, nothing is as intense as nicotine with me. You're absolutely correct. But it doesn't mean that other people haven't quit. You're not quitting. You haven't quit. You're not quitting.

26:55You are smoking now. A pack a week is kind of light in terms of the cigarette smokers. But that and with the weed and even with the box wine, it stacks, it stacks, it stacks, and it becomes even more expensive. Are you willing to at least give up some stuff to make it the f*** out of debt? I just don't. To get to a better place. I want to get out of debt, but those are the things helping me cope. Life sucks, man. Well, life doesn't have to suck. You can figure out good things you have. Life doesn't have to suck. You have a boyfriend of 10 years. There's many things. And I love him. And that is the best part about my life.

27:28Were you going to say that's a privilege that life doesn't have to suck? Yes. How? I have to worry about not waking up in the morning because I have seizures. Okay. That doesn't. And that means that I have to go to the hospital. How does that equal life always sucks though? Like people. How does that mean it's done? I have to go to the hospital and spend hundreds of thousands of dollars on treatments. I don't want to advocate for it, but if the entire philosophy is life sucks, why do life? Because killing yourself sucks? That seems like an interesting way to, why don't you kill yourself kind of thing.

27:58Again, I just said I don't advocate for it, but if your entire philosophy is life is absolute shit, then why do it? I don't think it always has to suck. That's what I just said. You said that was privileged. It is because you don't have bad shit going on. You don't have addictions. We all have bad shit going on. Okay, I'll take that. But you don't have addictions going on. You don't have shit mentally or health going. Yes, I do. I have a panic disorder. Yes, I do. Yes. That's what I'm saying. If you have medical shit going on, how can you be like, oh, life doesn't need to ever suck. I do. Life does suck sometimes.

28:34Yes, no, there are shitty things in life. Fourth of July savings are happening now at the Home Depot with select appliances starting at$398. plus get free delivery on appliance purchases of$398 or more no membership required upgrade your kitchen with a modern and sleek ge profile refrigerator featuring hands-free autofill for the perfect pour every time and make laundry day easier with two-in-one washer dryer combo innovation that completes laundry in about 90 minutes shop top brand appliances now at the home depot offer valid june 17th july at the us only c store online for details but life doesn't have to in in general, as a broad philosophy, suck.

29:11Because then what's the point of doing anything? What's the point of waking up? What is the point of sacrificing? If life is just trash shit, suck. Very realistic. What's the point of anything? That's a bad way to look at it. Life can suck, but you don't have to like give up on it. God damn. But what's the point if life sucks then? That's what's challenging about your mindset on this world. To get out of the life being sucks? Exactly. Because what is the point of anything that we're about to have to do? To fix it so life doesn't suck. So the only reason life sucks is because of this? If it wasn't for this, life wouldn't suck.

29:40If it wasn't for this, life would suck a lot less. Okay, well, there you go. Money stresses is what caused me to have seizures. Well, that... Okay, then why... Why the f*** were you never paying or anything and still swiping on more? I was told not to pay. Yes, once you went to the Debt Consulate National Debt Relief, yes. But even before, you were still swiping, making it even worse and worse. So you were making what causes your seizures worse on your own. No one forced you to. And you're the one that makes a day out of all that stuff we were talking about anyway. I'm being told you make a day out of it.

30:11You go shopping with a friend, then you go drinking, and then you go to the weed shop, and then back to the bar, and you smoke at the bar. And it's just like you're the one that's always doing that. You're saying that life sucks? Well, your coping mechanisms are all that bad shit that just makes life even worse and worse and worse. Those endless addictions that you're just continuing make life suck more. And then you have to do them to continue. That's you. That's on you, dude. I'm not saying it's easy to quit. No one is advocating that. But your continuing down the path of things that are bad makes life suck.

30:41And if you don't do them, life sucks even worse. So you've done that. Take some personal responsibility on anything. Take a personal responsibility. That's what I'm trying to do. You have seizures, but you just drink all day. You have seizures, but you smoke cigarettes. I don't think cigarettes are good for people with seizures. Well, they're not good for anything, but my neurologist did not say it was going to cause me seizures. I don't think it's beneficial. Neurologist doesn't say it's something that's going to cause seizures. Okay, so cigarettes and alcohol can make seizures worse. Alcohol can.

31:13My neurologist said nothing about nicotine, and they know I smoke. Not nicotine specifically, but cigarettes. They know I'm smoking cigarettes, cigarettes, not that stupid vape shit. Maybe it's because you're a little lower, or they just know you're struggling, or I don't know, maybe they don't want you to... Quitting cigarettes can make you have a seizure. Hard quit, maybe? Yeah, hard quit. Instead of like a wane? Yeah, like a hard quit. Well, still, I mean, a hard withdrawal from alcohol is one of the worst you can do. Yeah, you die. Yeah, so I'm sure that would be too. There's probably actual beneficial ways to work with an expert and get off of it.

31:43It doesn't mean we just continue this lifestyle though. I get you. I understand. It's just a little hard when the only, you know. Someone said it's easy. I'm not sitting here saying it's easy. It's just nice to be able to go out and have a little bit of fun, even if it's not the bar. I usually try not to go to the bar. Can you afford it though? If you were literally complaining about not being able to set aside money for taxes, go f*** yourself. You're saying, but you can go have fun. And these are not cheap vices. If you're going out to the bar, you're ripping and you're buying drinks, you're doing all this shit and you're thrifting in between.

32:12You can't tell me you can't set aside money for taxes. You can't tell me you can't pay your minimums. Now, you can't tell me you can't start making progress in some of these debts. You can't say that. You're choosing not to because you want to have fun. Get me through the depression of being through that. But the depression, you said the reason life is such a struggle is because your finances are rough. So sacrifice. Stop having fun for a moment. Make your finances better. then have fun and be less stressed because your finances are better. The amount I spend when it comes to these little vices is not going to make a f***ing...

32:45Actually, it does. Any dollar does. Anything you can pay above minimums, do. Any money you can set aside for your estimates, do, because then you have that ready to pay for f***ing estimates. When it comes to the cigarettes, they get me, they get rid of the stress. Other large purchases you spent$2 ,443. We'll see where that goes. I'd like to see where the f*** that is because there's absolutely no way. That's what I just said. We'll see where that goes. If Amazon's in that, that's all for work. That's work expenses. So if you put Amazon in there. Usually Amazon's in miscellaneous bullshit, but we'll see.

33:16I mean, if it was like multi-hundreds in one purchase, that might qualify in there. I don't know. But you'll go into the negative, I'm being told, just to go thrifting. Even just going negative to put in gas to go thrifting. When have I gone into the negatives for thrifting? On the way to going thrifting, filling up your tank. I mean I guess so. I guess so. I guess so. No, no, no, this is not a question. We're not doing this. No, that is not an option. I want to be clear. I want to be clear. We are not smelling cigarettes in here. No, no, no, no, no. No, this is not a thing. No, no, no. Okay, kick her off.

33:57I'm done. I'm not filming. I'm not filming a cigarette. This is that's gonna smell so bad. She's lighting up in a building. This is gonna make the whole place smell like shit What the wrong with her no kicker fuck outside get kicker outside. I'm not dealing with this shit

34:17Wrong with her we're 30 minutes the skin. Oh I hate this piece of shit this bitch one eternity later I just you're annoying you really are just Sorry, I need a cigarette. What's wrong with you? I'm just so confused. How often do you have to rip? It's so expensive and it's really nasty because this is gonna make everything smell like shit in here. I only smoke half at a time I try to conserve Half? Yeah, I only smoke half a cigarette. People do that and then you save it for later? Yeah, some people don't like refries But I'm not a little bitch about it Next step is we gotta remove the grease pads Okay, you're shaking.

34:55You're weird, man. Oh, I have anxiety. Just shake normal. Okay, you probably shouldn't be chucking down a Red Bull. Yeah, my neurologist probably agrees. So, I'm confused. If you're not willing to sacrifice any of that shit that just brings you that instant pleasure that is obviously preventing you from getting out of the thing that is causing you this overall stress, what the f*** are we even doing? What the f*** are we even doing? This is pathetic. If I cut out one, would that make it better? Annie! Penny. Penny. It's not a f***ing question. You're spending a s*** ton of money on everything.

35:30It's horrendous. Okay, so this guy, is he just not willing to marry you until you get this s*** under control? Because that would be, that would actually be pretty fair. We've always been people that don't really care about like marriage or kids or anything like that. I mean, you've been together for 10 years. Yeah, please don't bring kids into this world. You can't, you'll be f***ing drinking and ripping while pregnant. I don't want kids, but how dare you insinuate I would ever do that. No. No, me and my boyfriend. You're not willing to stop now, so I don't. Okay, you and your boyfriend. Me and my boyfriend, been dating for like 10 years.

36:00We do not care about marriage. If something happened to where it would be financially beneficial or something comes up, then we were okay. Well, it would be financially beneficial. Not now. Yes, it would, tax-wise. Absolutely. Even legal benefits with automatic what? We're just not really into the whole marriage. Well, that's fine, but even just the legal contract for extra protections and whatnot, like, what's to say? I mean, you look like someone that commits a lot of crimes. And you're probably with someone who commits a lot of crimes. You wouldn't be forced to testify. We don't commit crimes.

36:29I don't think that's ever going to happen. Okay, you don't pay your taxes. It's kind of against the law. I am literally currently paying my tax. Okay, except not because you get paid a lot in cash and you are not claiming that cash. I am absolutely claiming cash. I write down every single... Bullshit. You told Colton that you think cash doesn't even exist. Is that real money? It's girl math. Yes, but people hand me that money. I put it in my documents that I got that money and then it goes to the wallet. It does feel like it doesn't exist. I'm sorry. Cash just feels like different. It's not, but it feels different.

36:57So how do you manage it? What do you do different with it? Just in the wallet. And I use it. No, so you immediately just spend it. It's just gone. Yeah, usually it gets spent on dumb shit on my fun Wednesdays. Your fun Wednesdays. Your fun Wednesdays. Cash might be even easier. Easier to set aside because you can set it aside in that exact moment. Like literally, the moment you get it, just set 30 % aside. It just doesn't feel real. Know what I mean? I mean, I understand when I see a balance impacted on a screen, yes, it feels more real. But even still, it's easier to even separate money there the moment it's handed to you or at the end of the day.

37:33It is a stupid mindset because it just feels like, oh, this is the fun money I have for this week. And that way I don't have to hit the account. So it's like, oh, I didn't get any money taken out of the account. So it feels like, it just feels different. So if you guys aren't going for the marriage, What about the finances of the household? Are you guys ever going to combine? Do we have aligned goals? Are we trying to live together for the rest of our lives? Like, what am I trying to do here? Because again, if he's the one that got you to come on the show, what is the goal with you guys together?

38:02I know he's not here. Maybe we'll call him in the post show, but. Well, when it comes to like our goals, we do plan on being together forever, but we just don't. Are you going to combine finances? No, we like our separate finances. He's actually pretty upset. Does he like that? Yeah. He's pretty upset that my finances have now kind of gotten over into his because of my car. My car broke down and I was ineligible for credit. So he had to put that on a card just like the other week. I'm slowly paying him back. So now my debt got over to his. So why are you guys so vehemently against it if you're going to be together forever?

38:37You don't need to be 100 % combined, but it is nice to have all the money go into at least one household thing and then separate it from there. So for organization and budgeting. He pays his side of the bills. separately. Like he sends me money for like rent. Then why is he so worried if he doesn't even care? Other than you owe him money, but why is he worried about your finances? Because he cares about me. He wants me to be in a good spot. He wants to, next time my car breaks down, he'd like me be able to pay it. Okay, but you are impacting things overall more than just that. You made him go for a more expensive apartment.

39:08Now he has debt with you. It's an absolute mess. So that's why it's like separate, but kind of. If you're making him do all these things. The reason I had it, the apartment I really liked, and I made more than him. I still make a little bit more than him. So I told him I would pay extra in rent if he would go move in with the apartment. Because I really liked that apartment. It was so stupid, but it had so many windows. Who cares? You owe the IRS and you won't even pay your debt back. I didn't at the time. That was like four or five years ago we've been in this apartment. Wait, you've been in this for five years?

39:43Yeah, four or five years we've been in this apartment. What's more expensive? What's the monthly rent? It's$2 ,400 for the both of us. I pay$14 ,000. He pays$1 ,000. Why? Why do you have an extra four? Because I told him I would pay more if we were able to get this apartment. I chose the apartment. What were you making at the time? Even now, that's really not good. $14 ,000 of that$36 ,000? I think I made$70 ,000 that year. Okay, you should go back to doing whatever that is. What were you doing? I just had more clients. Clients are in and out. Why'd you go down? Because you're a freak? Because you stink?

40:09Because you're nasty? Because you're weird to be around? Because they have to look at your teeth? What's happening? I've had a few clients leave sucks. I had a client die. Well, I know the one client died. People are moving to Colorado, by the way. I feel like people... I know so many people are moving. Yeah, they died. They're moving. Everything they tell you to just get away into a normal place. I mean, I follow them on Instagram so I do know they're at a different state. They're strategically posting for you. Oh, just for that? That seems way too much work. No, I mean, I get it, but why can't you replace it?

40:41If you're getting those clients in the first place, why are you incapable? Slowly, I got all this. years? I mean, your rent right now is 40 % of your take home. I got three new clients in the last month. It's just a, it's a slow process. If I don't have the money for marketing, then it makes it hard to market. Like I can do my Instagram and stuff like that. How are you capturing them in the first place? A lot of my clients I got from my last job. I had already been seeing clients for a few years and every time I went someplace they would follow. So I have a lot of like really loyal clients that I've been seeing for last, like since I started doing eyelashes in 2019.

41:14Maybe you need to do some shifts at another place and just convince them to come over to you privately. They can sue me for that. Yeah. Okay, well, we don't want another lawsuit for you. Yeah, right. I mean, listen, maybe they just don't want to be around you, though, even without the movie, and who wants to come to you? You curb stomped someone at the bar. Like, you're a freak. Why did you say curb? You're a freak. I got into a small bar fight. I didn't curb stop her. she got I'm just saying what I'm told it was my sister we got a little drunk and she was just more drunk than I thought you give a little shove yes we're fine this was over this was a few years ago so yeah we need to find a way to capture new clients I guess you need to boost up your income because this is 40 % of your take home yeah lash is good if I do really good with my business that could be that could be.

42:08Yes, but not if you can't bring in new clients. Yeah, and I'm working on it. It's not just as easy. Okay, tell me your strategy. You're working on it. What is it? What are you doing? I literally, I have my Instagram and I have my cards that I can pass out. The best thing is for current clients to refer. So I do discounts on clients that are referred. I do need to post more when it comes to my business and Instagram, but a lot has happened in the few, a lot has happened recently. So I haven't had time and I need to be, I want to be able to put out ads, But that costs money. You have extra time.

42:38I mean, you're working 60 hours a week, potentially, 55 to 60. It's a lot. You're working. The income you're getting for, it's not great, but you have time. Go out to businesses that are closed and hand them out cards? I don't know to do anything. I'm not the king of doing lashes, but you specifically said you don't have time. You do have time. Well, I also have to go home and cook food. Okay, what, are you a trad wife? You cooking food for you and the man? No, me and my boyfriend both cook. Well, there you go. So you don't always have to cook food. You can do meal prepping, meal planning. Yeah, okay, whatever.

43:10I have to go home and eat. God forbid I have to go home. You don't have to eat at home. I'll just say, listen, no, no, no. Here's the reality around this. Be an entrepreneur or don't. Entrepreneur doesn't always come with the life of comfort. You do have to make the seasons a sacrifice. Choose that or go get a job where you can go home after your 40 hours. You choose. You don't get to have it both ways. You're complaining. Wah, I don't have time. I have to go home. Wah, cry. Why? Poor me. Because you're trying to build your own business. You don't get that. You don't understand how much I'm making at a regular last job.

43:42Maybe you don't have the best career path, but you do need to make a choice. Because right now, it's just complain, complain, complain, complain. Nothing. Nothing. I feel like I have every right to complain about. Yeah, but you're not willing to do what's actually required. I've been busting my ass for the last couple of years. I'm sorry that you didn't see the papers from then. Do the papers from them even matter? The papers from now is what matters. And even back then you weren't sitting to send money for taxes anyway. Then why would you be on payment plans now for previous years? I was saving up some.

44:12I just didn't save up enough. Like, I understand where you're coming from, and I apologize. I keep getting mad. But you don't understand where I've come from since stupid national debt relief kicking my ass. I've been busting my ass. I was working three jobs. I did have DoorDash in there. So what were you making in DoorDash? 100 to 200 a week. Man, I don't know. You're just all over the place. I would rather you just, honestly, I don't know who the f*** would hire you, but just like get a job in a different field. I can get you a course career certification and something that actually makes money and the trades in tech and something like that.

44:51And you can actually convert that into a six-figure paying job. That's what people in the audience have done. I don't know. I feel like you're trying to do this. You're doing this. You're doing this. You're not actually just like focused on something that makes money. Well, that's why I wanted to focus on the lash business. That can make me a lot of money if I can just get more clients and get that study and then I wouldn't have to work the second job and then I can just focus. That's really what I'm trying to do. But when I started all this and I tried doing like actual traditional like Google ads and it would give me like two clients.

45:19Yeah, you may not have been very good at ads. I mean, that's just the thing. It's a whole game. Yeah. I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but it's limited to the first 1 ,000 people to purchase. For a one-time payment of$500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else.

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47:2610 being the absolute best. Oh, when I took your thing, it said three. Oh, you took the thing. That's good. And you can take that thing at calebhammer.com. That link is in the description below, by the way, and it's free. You just take the assessment like she did and you can see where you're standing in the world of money, where you're doing poorly, where you're doing great, what you need to do to improve. And if you don't want to be like a guest who ends up on the show, it is pretty damn easy. All you have to do is budget. And you can budget with the DollarWise budgeting app. No, shake your head.

47:49No, learn how to budget. I'm not shaking my head. Huh? I wasn't shaking my head. I was trying to imitate you. I wasn't like, no, don't do that. I wouldn't do that. That's not trying to be that mean. Download DollarWise. Take the free trial. See if you like it. Tens of thousands of monthly active users are paid members for a reason. You can sign up for the annual version. Saves lots of money. When you do, you get the digital version of my cookbook. And my 30-day detailed budget or my 30-day detailed meal plan goes over every drink, every snack, every meal. So you have no excuses anymore to live on that$300 a month budget when you need to.

48:28I will personally sign this and mail it directly to you. That's for you. Check it out. There you go. Now you can't make that bullshit excuse anymore. Me and my. I have to go home. I have to eat at home. Shut the fuck up. Me and my man are already meal prep, dog, so. Then how were you using that excuse earlier? That I have to go home and eat, and sometimes I have to make food. You have to eat at home. You're the entrepreneur. You're an entrepreneur, and you're trying to build this business. You don't necessarily have to. You can eat at work. I'm not saying that's the dream life, but you are choosing entrepreneur.

48:58You don't get to be the office jockey. You don't get to have that lifestyle. If you're trying to build your own business, you have to sacrifice. Figure out the fuck out. So national debt relief, we have this here. And listen, do not get me wrong. It is okay to do consolidation. It might be okay to do this. Letting everything go to collections is certainly a risk. Now you're finding yourself in that position. So bankruptcy, collections, national debt relief, personal loan, it's all good. But not unless you change your behavior first or else you end up in the same situation you already were before.

49:29And now we're starting to see that with you. So like even for example, CalebHammer.com, we have personal loans at low rates that people can apply to. It is great for consolidation or for a personal project or whatever it is. If you have changed your behavior, that way it can save you a lot of money. If you don't, you're just like you because you're because you didn't change your behavior before you did this. So what happened with this? Yeah, so I had my accounts. I think it was like four or five, a couple of them small. The other one's big. National Debt Relief. I called them because I was about to have to stop making payments anyway because it was like$1 ,200 a month in debt.

50:05I was paying. not including like bills and shit. So I signed up for National Debt Relief and they told me to stop paying all of my accounts immediately. Yeah, let it go to collections so they can negotiate. Yeah. And they negotiated mainly with one and then they're working or two and then they're working on the other ones except for the other big card they decided to drop because they couldn't make an arrangement with them. They sent me three separate settlements and they were all like I had to give them like$4 ,000 right now. Yeah. Which I clearly didn't have. Welcome to settlements. Yes, which I clearly didn't have.

50:39What's the whole point of doing this? The other one that got settled, they just started making payments on and that was fine. Yeah. So that wasn't an issue. So they said that there was going to be legal trouble, so they dropped it. They dropped that card completely. So now it's up to me. Okay. And what's the plan with them? Okay. So with that card completely, I understand they're not willing to accept it for less, but if you called them, ask to get on a payment plan. Yes. And they said, no, unless I can give them$500 a month at least. Okay. That's not unfair. What's that balance at? I have the$17 ,000.

51:09Yeah, that's not unfair. $500 a month is not unfair. What if I don't have it? Potentially. I mean, I know other large purchases,$2 ,443. Come on. Which I would love to see what the f*** those are because I have no f***ing idea. We will. Calm the f*** down. Oh, I'm so calm. You need another cig, you f***ing addict freak. Lung cancer future patient. I feel like it was kind of funny you told me to calm down when I'm talking like this. Just had to throw that one out there. Didn't tell me to calm down when I was yelling. Okay, so current debt owed on here is that$10 ,573 down from$26 ,000 because$16 ,000 has been settled.

51:41Sounds about right. Okay, so what's your process with these? Are you on minimum payment? What's going on? What do I write down? So for the cards that are being paid through National Debt Relief, I give them about$600 a month for those ones being paid off. Okay, so yes, an extra$500 would be difficult when you add it on top of the$600. How long has this been in this national debt relief? A year and a half I think it was last January Okay And have you opened any new debt since? No, they won't lend me I have no open accounts Thank And our firm didn't even want me Okay, so how'd you even get into the position Where you just couldn't make payments anymore anyway That you like called national debt relief?

52:23So I had my two big cards And the reason I got those two big cards Was I Two big cards? Yeah, sorry. I keep calling them two big cards. It was the two U.S. bank cards that eventually got racked up to the$15 ,000. And then after fees and stuff, they were like at$17 ,000. So those were my main worries. And the reason I had those, the first card I got, I got that card at$5 ,000 so that I could go to school because I didn't have a car. What? I didn't have a car. So what is a credit card for then? Lyft so that I could get to my - Why didn't you take out a$5 ,000 loan on a car? It was a credit card.

53:01And because I asked for a credit card and they gave it to me. That was the amount they gave me. Why didn't you ask for a car loan? A car loan? I didn't have a license. I didn't get my license. Why not go get a license? I've been in a lot of car accidents. And I did not want to get a car. So you've had a license? No, I got a license at 27 years after I went to school. Sorry When was that? When were you in school? I was in school in 2018 Why didn't you bike to school? It would have been like 45 to an hour a minute bike And I have to go there Why didn't you live closer to school? I didn't have the option That's where school was I was living close to my job So that I could take you to train I worked at Sephora Okay You can work at a Sephora Or other place closer I mean come on That's retail Work at a different retail place No it was in the beauty industry And it looked good on my resume Sephora on your resume When I'm going into the beauty industry, Thomas.

53:56Yeah, go f*** yourself. Shut the f*** up. Oh, I'm sorry. I didn't realize that you were the master of the beauty world. Pretty good at resumes, actually. I'm actually halfway decent at that. And when I'm starting off in the beauty world, having a... There was no... There wasn't a single beauty retailer near your school. Bullshit. There's obviously beauty retailers serving that customer base there. There's a f***ing Supers. There you go. That's a f***ing super yourself. Yeah, I'll go work at a King Supers while I'm trying to get into the beauty industry. I was getting trained at that Sephora. I was trained at Sephora.

54:25Yeah, dumbass. There was a bitch that would show up once a week and teach us about skincare and the products that we were supposed to sell. How was I supposed to sell? There was no beauty supply store of any kind serving the entire student and professional base near the college. I don't know. There, there literally was their school of Sonic. What was the school called? What was the school called? Stacey James. Stacey James what? Institute. Esthetician school. They're a cosmetology school. I went there for aesthetics. So I had to have that first card in order because they did not have a bus that went over there.

54:58Okay, was it in the southeast side or the west side? I don't know. It's in Parker. Is that southeast or is it west? I don't know. Oh my. I don't live there. Parker campus. Okay, it's southeast. Oh, sorry. I didn't have my compass with me. You don't know your town? Okay, surrounded by that? I just said I don't live in that town. You had a nail store. You had a skin care store. Nail store I can't work at. Skin care store, lash store, waxing store. Could not work at those. All I'm just saying, even if you're working front desk, at least it's on your resume just as much. Okay, salon, let's see. Just a couple more blocks over, you had stylish beauty collective, precious beauty lounge.

55:34You had J Beauty, Med Spa. You also missed the fact where I had to. Beauty salon, Sephora, Sephora right there. I had to go. That's two blocks away. Hey, Sephora is two blocks away. If that's his freestanding, those just opened up. Freestanding was not a thing when I was going to school. They were all inside the malls. There's Kohl's, there's Beauty Refined, Beauty Tribe Salons, Precious Beauty Lounge, Glamour FX, Color and Beauty Room, Lash Company. Again, you're missing the part where I had to go from my apartment to school. Very good. What was your address? Is it the same address as now? No.

56:06It's like down the street from my house. Down the street? But they did not have a bus at the time because everything ruined the bus routes. So I had to take a lift in order to get to my apartment, over to the school, and then from the school to work because I literally went to school in the morning and then worked until nine. That was your, that was your, okay, by the way, a 17 minute bike ride is what that would have been. Oh my God, there was no way that's a 17 minute bike ride. It passes. So here's the fun fact. It's a 17 minute bike ride. Like that's what it is. It's like a 20 minutes pass down Lincoln.

56:39You're an excuse victim in everything. This is what happens with people like you. You are just like everyone that comes on the show. You thought you weren't. Yes, you are. 17 minute bike ride. It's there. it's there no it's there you can't say it's not that is it also even if not even if not i'm not saying do an hour walk but you could have if you were literally maxing out a 5 000 i was 27 dog you act like i don't know how to walk i then there you go you didn't have to max out a 5 000 house to school from school to work i'm not just gonna like oh go find another job for the six months you're right i was there bike ride instead of maxing out a 5 000 card yes have a bike with all the shit I need?

57:18Yes. What do you think people do? Yes. People do that. I have walked and taken buses my whole life. Then you could have done it then instead of maxing out a$5 ,000 credit card. Oh my gosh. You victim piece of shit pathetic. Oh, I'm so victim. Blame me because I didn't own a bike. Did I say bus? Yes. You maxed out a$5 ,000 credit card. You could have gone on a bike. An electric bike, by the way. Absolutely. For like$1 ,500 instead of$5 ,000 on lifts. Yes. Pathetic baby child. Shut the fuck up. You're not a victim. You made personal choices. You failed. Shut up. I'm trying to tell you that I did it I'm not in it say I was a victim.

57:53I figured it out You could have a 45 minute bike ride. That's not true. I said it was a 45 minute to an hour walk I know you said bike ride earlier. She said bike ride. It's confirmed. Yes, you did reverse reverse reverse Why don't you bite to school? It would have been like 45 to an hour minute bike. There it is play it back We did and you got fine. I missed up 45 minutes to an hour I don't have a bike, so I don't know how the fuck I would even say bikes. You could have gotten a bike with a 5 ,000-hour credit limit instead of maxing that out on Lyfts. You could have gotten a bike. Shut up. You are.

58:27Okay. What are you, my middle school teachers? Jesus Christ. Your middle school teachers called you your. Yeah. Maybe that makes sense. Maybe they should have put you in the right class. They did. So that's why you're going to be working as an esthetician for the rest of your life. You act like that's not respectable. I went to school for this. School. Beauty school. Shut the f*** up. You're all about doing certificates and doing trade school. Esthetician is such a... It takes a while to make good money in esthetician land. Plus, you're only focusing on lashes anyway. I've been opening other stuff.

58:56I started doing facial waxing. Such a maxed out market. Sure. Yeah, I don't disagree with that. It's heavily saturated. Yes. And most people give up. And you wait for those to give up because a lot of people can't handle this industry. Because it's f***ing annoying. And then the other big card? The other big card I caught out as a dumbass because I thought that I needed it for my business. I took that out for the business. That was insanely unnecessary. Agreed. Insanely unnecessary. And then I took out a loan to pay off my student. This was like the same time. I took out the loan to pay off the rest of my student loans from the esthetician.

59:33What were your student loans? I paid$10 ,000. Yeah, but what were they? Like interest rate. Oh, they were. You took out a personal loan for it? No, no, no. The FAFSA, they weren't charging. You took out a loan to pay off your FAFSA? Yeah, and FAFSA wasn't showing any kind of percentages because. Why did you take out a loan to do that? I wanted it gone. Oh, you're teaching. And I didn't take out a loan just for that. I was using the others. What does a gun have to do with paying off student loans? No, I wanted it gone, dumbass. But it wasn't. It was a different loan. You moved it to a different loan.

1:00:02They were about to start putting interest back on student loans. Yeah, it would have been like 4 % or 3%. I don't know what it would have been. Okay, well, now it was like 15%. I didn't understand percentages at the time, and I will admit that. Yeah, no shit. I was dumb. I didn't understand percentages. Was? I didn't understand percentages. No, that's not a joke, actually. I didn't know the percentages. I didn't understand them at the time, and I'm trying to admit that. Okay. Okay. How was that bad? Well. I mean, it was bad, but how was that bad? I mean, you also took out another$15 ,000 loan in order to help with the debt and the business again.

1:00:33That was the loan that helped with the debt. That was the loan I was just talking about. The credit card and the loan I got basically at the same time. For f***'s sake. But you applied while you were just getting wine drunk as you always do. Yeah. That's again not a joke. You still do that. Do you not understand sarcasm? Jesus Christ. What? You're the one that. That's a sarcastic laugh. Dumb shit. You saying it's not a joke. I'm aware it wasn't a joke. That's the sarcasm. man lack of oxygen that high up in Colorado's you're done dude you're that's if that's your version of humor The fake laughing at stupid comments?

1:01:12We should have kept you in the class. I graduated somehow. Huh? Said I graduated somehow. They were done with my ass. You know how easy it is to graduate now? It's like nothing. It's nothing. Even graduating college is nothing now. It's the only reason they let me in high school is because like no child left behind or some shit like that. They didn't want to hold my ass behind or some shit like that. Either way, you were signing up for all that. Well, wine drunk, but yes, it's the banks who are predatory, right? God forbid I had one glass of wine. Doesn't make me wasted. Jesus. It's the fact that they let me do.

1:01:41Let you? What do you mean let you? You can do anything. You can go buy a gun and kill yourself right now. They made it too easy. Is it the gun's fault? No. You could go get in a car, drive it into a human. Is it the car's fault? No, it's you. You could go do anything. Is it because they let you? You could go jump off a cliff. Is it the cliff's fault? No. Then it's not their fault either. You applied, you spent. That they had partial fault with making it way too easy. Dude, it's easier to do a thousand more bad things that apply for debt right now, like lighting up a cigarette in this room. That's easy.

1:02:13You're giving yourself cancer. You gave me cancer. Go fuck yourself, you piece of shit. Didn't give you cancer. Hopefully not. Calm down. And then what you chose to do with it is still your choice in the end. You took it. You went to go to Vegas and see when we are young to her. I don't even know what the fuck that is. Oh, it's a big emo fest. Oh. Blink-182 and shit, we're there. Oh my goodness. One of the worst bands I've ever seen live. Oh my God, you're so lying. Oh my God. No, that's not true. I'm over-exaggerating. And I saw them at ACL and it was definitely kind of boring. They played a good show that time.

1:02:43We got to see them twice. At ACL? No. You went to it? Oh, there? Yeah. I don't know. It was just every song sounds the same. It was like, nyong, nyong. I won't disagree with it. A lot of the songs sound the same. Green Day was there too. And I won't lie that theirs kind of all sound the same, but they are amazing and I love them. I'd rather see Green Day. I've seen them five times. I like that. What was the first one we just showed on? Blink-182. I like Blink-182, but my goodness, I don't know. I was just like, I just needed to hear like four. Marvel Television's Wonder Man. An eight episode series.

1:03:13Now streaming on Disney+. A superhero remake. Not exactly what we'd expect from an Oscar winning director. Action! Simon Williams. Audition for Wonder Man. I'm going to need you to sign this. Assuming you don't have superpowers. I'll never work again if anyone found out. My lips are sealed. Marvel Television's Wonder Man. All eight episodes now streaming Only on Disney Plus Songs and then I'm done I don't know I'll give you that But and I don't disagree But you used the debt That was tourism to apply for But you still chose to go Yes To Green Day and Blink 182 In Vegas I just really wanted to go Because I wasn't going to be able to see That's not the bank's fault though Yeah I don't blame them I don't necessarily blame the bank But you have been I said I blamed them 25 to 50 % What else did you use your loan on?

1:04:03Probably tattoos Yeah, 26 in one year. Using your loan for. 29. But that's only if you count. That's only if you count each of my finger ones as a different one. So 29 then. Okay. Okay. Or not. But even still, you're using the debt for that. The bank did not make you. And now you're a national debt relief because you're pathetic. And I don't necessarily like it sucks because I necessarily don't regret the tattoo because I just love them so much. They make me just feel so me. So I know that's even worse that it's. Yeah. Deflection, deflection, deflection. Cope, cope, cope. Never your fault. And just like that, you also blame your friends for enticing you to go shopping, enticing you to go thrifting, enticing you to go drinking at the bar.

1:04:40It's you. You're still choosing to. Yeah, I guess. How much have you spent on tattoos? I actually don't know. Me and my friend were trying to figure that one out. Because just my chest piece was$1 ,500. So I don't know. What are we doing with our lives? Looking rad as fuck. You'd look cooler with tattoos. Maybe. I'm afraid of needles. I mean, I... I also am afraid of needles. I hate getting tattoos. When I get that many... That's fine. I'm open to a... Or a couple, but... Fully tattooed or heavily tattooed is not for everybody. Yeah, I'd say for the vast, small... You haven't come to Colorado.

1:05:23Minority. Okay, so U.S. Bank, that's securing settlement. two U.S. banks. This one was a small balance of three or two. You could have just paid that. That's actually going to get paid. They keep saying national. You could have just paid that before even doing this. Yeah, it went. Same with the 985 from Customers Bank. That one, yeah. So I know I was paying that one off slowly. I just didn't have much to pay for that one. The one that was started off is 300. It ended up being 600 because National Debt Relief did tell me to stop paying on it. So that was accruing fees. But they just recently sent me something to mail.

1:05:56They're going to settle for like$100. So that's going to get... Now, this one makes more sense to the USA Bank of, or US Bank of$10 ,025. That's chunkier. Yeah, that's... But even worse than that, yes, as you mentioned, yeah, it's kind of f***ing with him, and fairly so. You owe your boyfriend$1 ,600 that he put on his credit card, and it has hurt his credit card so far, and it's pissed him off. It did. That's what it is, his credit. That's what I just said. Because he's very good with... My bad. He's very good with having that paid off. Well, that's why we're going to call him in the post show.

1:06:28but what the f*** are we doing? Why are you not paying him back quicker? Why are you still having Wednesdays funs days when you owe your boyfriend and you've hurt his credit? It's kind of disgusting and selfish and bitch behavior. And that's why I was going to admit to maybe giving up one of the vices to help. No, you need to give up all vices until you at least pay him back because you've f***ed the credit because of your irresponsible behavior of being able to save up an emergency fund to be able to take care of the situation when your car did break down. Now that your car broke down, it's good though now?

1:06:58Yeah, she's running. Okay, then drive more Uber Eats every single second of every single day that you are not working. You are driving Uber Eats. And then, I don't necessarily encourage this, attach your card of your esthetician to every bag. That is actually funny. If you want to land a high-paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job.

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1:08:38Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. The reason I stopped doing DoorDash is because I feel like it was putting too much miles on my car and that it was the reason that I broke down. I know when the producers were talking to him, so we were seeing if he could get on the post show. So did you dodge the bullet that you guys haven't gotten married? That's not a good sign. He did joke about it. He even said that one to me. I don't even know if that's a joke actually at this point.

1:09:03It probably isn't, but he did say that. No, you're not willing to sacrifice wine, cigarettes, weed, thrifting, anything. Just to pay him back. Not even for a couple of weeks, you're not willing to. It's kind of disgusting. I am going to pay him back. It'll get paid back. Okay, you could have already. The reason that, no. When did you borrow this? This just happened. This literally last month just happened. Okay, you could have paid back half by now. So, no. And the reason why is because he told me that I am going to pay him back, obviously. but he said that he also wants me to get, make sure that the other debts that I paid.

1:09:34Sure. I agree. But you have Wednesdays, funsdays instead. So go yourself. Like that's, you didn't follow his desires regardless. But I'm gonna, I'm gonna, that's gonna get, it's gonna get, I'm gonna pay him back. Why is it always gonna and never is? It's always gonna on the show. Never is. You thought you weren't like the others on the show. You are literally identical. How is that more exciting for me to be like, it's already paid off. like that. No, or I'm at least already paying. I have money in my savings account so that I could pay him back. I'm working on it. What the do do it? You weirdo.

1:10:08What the f***? That's so pathetic. I'm going to pay him at the end of the month and then pay him like a monthly situation. What's your monthly situation? We haven't picked up like an actual like he was going to pay, but I'm going to give him$150 for this month. That's why we need to fucking call him. Dude, it's just excuses. It's cope. It's such bullshit. Can't do f***ing anything. So yeah, boyfriend, if you're watching this, well, I guess I'll tell you in the post show, you did dodge a bullet because it gets worse apparently. Because anyone she actually gets related to, she borrows more. $2 ,500 to uncle.

1:10:38Yes. For what, possibly, why pathetic? I bought my car from my nanny and he gave me - What, from your nanny? Yes, my grandma. Why do you have a nanny? Oh. No, no, no, sorry. My nanny papa, you know, I thought you guys were son. So the reason I still owe him that is I was paying him back in pretty large chunks for, I owed him eight originally. And then I gave him a big, yeah, I gave him, it was like the blue book at the point, at the, at the turn. And it had like really little mileage. Why didn't you just borrow from family for everything? Why can't you do anything on your own? I didn't have a grand.

1:11:11I was working for$13 an hour. You've never saved up money. You've never done anything though. So, and that's where like, I never thought that saving money was ever feasible for my situation. And then your family had to pay for it. My, my uncle, he offered that. He was never going to give me the car, but my nanny ended up wanting money for it. So that's where he. Not unfair. Yeah, which I don't disagree. But so my uncle's dealing. He's handling all of that. And sure, you paid it down from the eight, but you're not making payments currently. I gave him$50 last month. I'm hoping to do 50 again. I was paying him$300 a month last year.

1:11:47Exactly. That's my point. It's pathetic. So 50 bucks I'll put down. He should charge you interest. How long have you been paying it on it? Three years. Good death, woman. Good death. I'm not happy about it. Trust me. He's like the only one in the family that did amazing. So I feel bad taking advantage of that. Yeah, it's going to take you another four years just to pay it off at your current pace. That's insane. Seven years for a car from nanny? That was 9 ,000? 9 ,007 years from nanny? What's wrong with you? Actually, it is actually kind of gross. My uncle gave Nanny the money, so she's not waiting the money.

1:12:26It's my uncle. Yeah, and it's gross because you're still having Wednesdays fun days. I mean, I can't just sit in the house all day. Don't get me wrong. You don't have to go spend money, though, on booze, weed, cigarettes, thrifting, go to a park, read a book, go to the library, go somewhere and watch YouTube. I don't know. Just like there's so many things you can do. Play games with people, board games. Ketan. Why not? not nerd that's fucking why I'll play board games throwing out Catan like alright calm down it's like the most basic nerd game it's very mainstream these days you're not even getting barely even nerdy with it I suppose the only people I know that play that go to the game stores and every time I go there with my friend if you're going to the game stores to play Catan you got some weird shit going on there's the game coffee stop stores so they do all the board games and shit it's like a whole different situation not that I'm making fun of nerds but I gotta make fun of you because Cause what?

1:13:21Cause you're making fun of me. I got to throw it back, you know? I got to deflect. I like to use my brain and things I do instead of just drowning it all in weed, alcohol, and cigarettes. Yeah, got me. Nailed it. Again, a man who's never understood addiction, I guess. What do you mean I've never understood addiction? My aunt that borderline raised me every single summer died of being an alcoholic. But dad, you - It's very close. I understand addiction. I also understand the consequences of the addiction. Oh, of course. I saw my dad quit cigarettes when I was growing up. I understand addiction.

1:13:48I have my own addictive personality. I understand it. And that's why I prevent myself going into these different things. And I try. I get it. You can't tell me I don't understand it. Because you don't have it. No, but that's not the only way to understand anything. That's not the only way to understand what it's like to have a kid, what it's like to have a debt, what it's like to serve, what it's like to do anything. You'll never truly understand. You'll never be 100%, but you can get pretty damn educated and listen to experts in those spaces as well. To know what it feels like. Yes, you can listen to other people.

1:14:16You're not the only one that has experienced it. You're not the only person I've talked to. I know quitting nicotine is incredibly difficult. Alcohol, incredibly difficult. Weed, even more difficult than people are willing to admit these days. But you're making it sound like it's impossible because I have no idea. And I don't think it's possible. I just think that you're really making it seem like it's the easiest. In an hour and a half, when we talk about your entire life, everything sounds easier than it actually is in reality. Welcome to a short conversation, but it doesn't mean you shouldn't work to do it.

1:14:48Like, I don't understand your point here. I don't disagree with that. And I'm saying you're still choosing that instead of paying your uncle even$100 a month because you're more wanting and willing to go spoil yourself. Again, I just think the reason I was saying that is because I feel like I've quit smoking like a million times. The second something stressful comes up, it's the first thing an addictive mind thinks of. And again, it's just like, I mean, can you always do f***ing sins or something? I'm just, you're killing your f***ing lungs. Is that the shit you put in your mouth? Yeah, you're just killing your lungs.

1:15:25That's my concern. That shit is bad in your mouth. Vaping's not good either, but it's objectively better than cigarettes. Yeah, 10 years, we might not say that. Maybe not, but cigarettes we know are one of the worst things you can actually do to your body. Yeah, and you think I don't know that? Well, you're the one doing it, so I don't know. Maybe you don't. Dude, there's people with f***ing holes in their throat that are still smoking. You're on that way. And I'm not saying I'm not. What I'm trying to say is... Look at you when you smile. Oh, Jesus Christ. You're the one doing it. Showing those pearly yellows.

1:15:54I'm a teeth smiler. I'm so sorry. Okay. Yeah, you haven't paid them in months. You started with$50 again soon, but you're still having Wednesdays, Funsdays. Wonderful. What's this? What am I looking at? Oh, no. Oh, that's what I owe Sky Ridge. What's Sky Ridge? Sky Ridge is the hospital that I got taken to for my seizure. Okay, when did you start having these little tweak sessions? My first one was at 18, but my last one, 11 years after that, was the last one I had that caused me to go to the hospital. Was that four years ago? Two, less than two years ago. That's scary, that's scary. So you're saying stress causes it?

1:16:34I have tests being done when I get home. Good, I'm glad you're taking that care of. I definitely want you to deal with this medical issue. This is obviously more important than finances, your life. Your life comes before that. And see, that's how you can tell that in this conversation when I've been shitting on you for being financially that I am reasonable when it comes to this because your health will always outweigh finances in my brain. So, but it doesn't excuse all that other shit. You're making your life more stressful, but just preventing you from getting out of debt though. It's really hard.

1:17:03So you owe$1 ,996. Yes, and that's not including the ambulance bill. Have you gone on a payment plan at the hospital because it's pretty damn easy. I did and I was able to pay for a few months and then I had to stop to pay other stuff. What is the monthly payment? I think I was only on like a 50. The lowest they would have me on was 50. Okay. And then they haven't bugged me since I got off so it's kind of been in the back of my mind. And then the ambulance bill I don't think I had a paper for because I actually don't know how to. I needed the piece of mail with my... Huh, for the ambulance? Yeah, I have an ambulance bill.

1:17:33Well, how much is owed on that? $1 ,400. That's the next page. I don't have an actual bill for it because you have to have like... Well, and$900 to your neurologist. Yes, I'm down to$280 on that one, actually. Well, that's good. Is there a monthly payment on that? $100. And then the new payments to my other neurologist when I get my EEG. Oh, got to do it. Listen, again, health comes before. Yes. And I want you to be alive. So ambulance, so that's owed to? Lone Tree Fire Department. Okay, and you've contacted them about a payment plan? Yes, I paid them, I think, like$100. Oh, well, there you go.

1:18:11And it wasn't like a payment plan. It was just a be able to pay as you go. And then I was able, yeah, after that first time, I couldn't pay any more because of all my other bills. Okay, well, hopefully we can start making progress on that soon, but we'll see. I haven't gotten another notice from them. LVV Funding, LLC, what's this? LVNV. Well, it's collections, but. Oh, for how much? Is that the big one? Yeah, that's the. Yeah, that's the one. That's the second big credit card that was not being handled by a national. That's the one that's suing you? Yes. That's the one that wants to sue me. Yeah, I think it's fair to sue you when it gets to$17.

1:18:46It's actually worth it at that point. Yeah, exactly. I don't necessarily blame you for it. So when are they going to any kind of claims court, if any? They haven't sent anything in yet. I have been trying to. They might be trying to just scare you first. Maybe they won't find it worth it in the end, but that's a risk. Because that is a dollar amount where it actually might be worth it. Yes, I agree. What was the amount they were willing to accept? from the National Debt Relief, their final offer was$1 ,000 a month, which I just can't do. And then when I call them separately, now that I'm detached from them, they want me to pay$4 ,000 up front and then pay it.

1:19:19But I don't have$4 ,000. And then pay what? And then it'll be settled. Right? They want me to just - $4 ,000 and it's done? Yeah. What? That's incredible. They want, I don't have$4 ,000 to just give them and then it's done. That's not a payment. No, I agree, but we can work to get the four. Okay. We can work to get the four. That's the play. So we'll figure that out. Okay, here's the checking account. Yeah, my checking accounts are pretty stupid. I have like three of them for no reason, pretty much. What? Yeah, so. Just connect this shit to DollarWise. You'll see everything. I'm so, this is so pathetic.

1:19:54Because DollarWise, that shit costs money. You don't got money. Kind of, but the thing is, even with a monthly subscription, which every budgeting app has, because it costs money to connect accounts every single time, costs us money. the margins are not as good as everyone thinks. If it costs$50 a month, or like$7 a month if you do annual, but you save hundreds a month by budgeting, I think it's worth it. I'm not saying in the long term, but when I'm looking at my bank account, I can't justify spending like$7,$10 on an app. Don't get me wrong, is it stupid? You can if it saves you even$50. It saves you$20, you make the margin.

1:20:27And I agree it's stupid that I can justify a little knickknacks. Because you're going inside somewhere and getting$40. that you stopped at the place and just swiped your card. Where was it? Gosh, it's hard to say. We blacked it out for privacy reasons. It's probably the grocery store. Doing some Venmo. Maybe at$40 even, I highly doubt it. ATM would draw$43. Where'd that go? That would have paid for multiple months. $40, that's probably$40. $43 ATM. $43 ATM. That's weed. There you go. Your weed could have paid for a budgeting app for four months. So fuck yourself. Bullshit excuses. Cope. Cough.

1:20:57You pathetic worm. I mean, it helps me. Wendy's$35.38. Yeah, that's really good for your health for someone. I didn't have Wendy's. Well, you certainly did. You can't remember anything because she's blazed and drunk out of her mind every day. I am sober as f*** right now. No one believes that. Oh, honey. Everyday bullshit. Well, actually, no, no, no. So, okay, Wendy's was$10.63. That makes women's sense. Everyday was$35.38. Everyday? Everyday. What's everyday? I don't f*** know. What is wrong with you? It's just money. You don't even know what's going on. Like, I'm supposed to know what everyday.

1:21:29You're stopping in. You're getting f***ing bullshit for$6. It was probably a gas station then. $6. What were you getting? It was probably Red Bulls. Yeah. Yeah, I knew that was coming. Well, yeah, it's because one, Red Bull's like shit, to be clear. But this tastes 10 times better. It's not even comparable. 40 cents a serving. Make it at home just like you're meal prepping now. Gamersubs. I'm crying on the bucket. That's a goony thing. I just gave you a random one. I mean, I'll take it. Thank you. I appreciate it. Well, yeah, it's 40 cents a serving. Get your free samples to figure out what flavor you like with code Kaleb.

1:21:58Link in the description below. Gamersubs.gg. and then when you figure out what flavor you like just order those tubs and it's 40 cents a serving so make your make your energy drinks at home like you do your coffee it'll save you a lot of money and it honestly does taste better every guest admits it many in the comments have already admitted it Venmo you're purchasing something through Venmo$3.00 sometimes wait how much$3 $3.00 I probably did something stupid with that I don't even know what I would put on Venmo almost like you actually have money that you could be putting towards things but you're choosing not to I go out through Venmo, so it could have been me using Venmo to fund my other bank account because it's a really confusing situation with my bank accounts.

1:22:35No, it was a purchase. Then it was some dumb shit. I don't even know. I don't purchase anything through Venmo. Like McDonald's,$6.13. Yeah, I did that. Yeah. And then I stopped in the gas station, got some energy drinks. Like, that's just like. Yeah. And I just like, I like to go to the antique stores and those stupid thrift stores. And like, sometimes it's only like a$3 Polly Pocket, but then I'll sometimes. The f*** you call me? A Polly Pocket? What is this? What are we talking about? You never know a Polly Pocket? A Pussy Pocket? No, I don't. What are you talking about? I was just asking, did you not know a Polly Pocket?

1:23:02I don't know a Polly Pocket! Well, I have 50. So I have 50 of them. I'm trying to explain my Polly Pockets. So they're basically like a little compact from the 80s that has like little cute little dolls in them. I'm really into miniatures. I'm trying to explain. With little cute little miniatures in there. Study. And play. Come together on a Windows 11 PC. And for a limited time, college students get the best of both worlds. Get the Unreal College Deal. Everything you need to study and play with select Windows 11 PCs. Eligible students get a year of Microsoft 365 Premium and a year of Xbox Game Pass Ultimate with a custom color Xbox wireless controller.

1:23:39Learn more at windows.com slash student offer. While supplies last, ends June 30th. Terms at aka.ms slash college PC. Doesn't she sound like Kamala sometimes? Do not come. God, now I'm going to have to go and f***ing watch videos of her and then hate my life. But, like, I got my tom and gachi. Why are you so racist against her? I'm not racist against her. Why do you care if you sound like her? Because I don't want to be some dumb politician. I'm not against her views. I'm against sounding like a politician. You just have the same nasally annoying voice she has. Son of a bitch. Now I'm going to be all self-conscious.

1:24:11You should be. Okay, so a Polly Pocket. Yeah, I got my Polly Pockets. They're like little mini dolls. They're super cute. And it's hard. It's just something that makes me happy. I know that's stupid. But then I got my Tomagotches. Okay, they sent me some pictures. Thank goodness, because you were not explaining this very well. Okay, they're very creepy, weird, and I don't understand it. Almost a little p***y look of you. So... Like little miniature dolls? Are they sending you the right ones or are they sending you the big ones? I don't know. I don't know what's going on. I don't know what's going on.

1:24:39But it's a stupid, really stupid... You spent$70 on one of them and you have 50 of them. Like, what are we doing? Yeah, it was from the 80s, dog. It was from 80s. Who gives a f***? You owe your family money. It's just, you know, like I said, it's just dumb impulse control. like went to the thrift store and there was like over 150 year old like sewing machine and I know that's the dumbest thing ever but it's like well you owe your uncle and boyfriend money yes that is the dumbest thing ever you selfish bitch yeah yeah yeah went and got some bullshit went and got some bullshit total wine and more glug glug glug glug glug ATM withdraw $280 where'd that go?

1:25:16oh it was probably from one bank to put into the other bank via ATM? not transfer yeah I was really dumb. I didn't realize I could do that. You didn't realize that at 31. I didn't realize I could use Venmo to transfer because if I transfer from one bank to the other, it takes like five days. Oh, my f***. $20 Venmo. Who knows? Purchasing. I think it's an energy drink again. $13. Bullshit. Energy drink. Little Arc Thrift. Bullshit. Amazon. I mean, it could be worse. I haven't boughten boots in a while. I'm like, I'm on recovery for buying boots. It looks like an actual chode somehow. That's crazy.

1:25:50That's insane. What the fuck is that? They look like a chode? Like a chode version of a boot. Absolutely. There's something weird going on. You got some energy drinks. Sorry, I got some small. Got some energy drinks. Or ATM withdrawal. Yeah. Amazon, Heirloom, Antique. Well, the cigarettes aren't even on that one because I didn't smoke in January. At least I don't think so. Shit. I think when the car broke down, that's when I started smoking again. So at least there's no cigarettes on there. Again, coping mechanisms. The moment something bad happens, you destroy your life. ASCP. Oh, that's my esthetician insurance.

1:26:23CF United. Go f*** yourself. CF United. United Healthcare. Oh, okay. Fair enough. Yeah. And then small management fee because you don't have enough money in there. Pathetic. Yeah. So, yeah. Yeah. A lot of transferring. The U.S. banks get weird because the U.S. bank. Okay. This is income and stuff. Okay. Yeah. It's mostly income. Spotify, HBO Max. Yes. Salon you're spending money on. Salon you're spending money on. I don't go to the salon. It's salon-centric. It's where I buy supplies. okay then it is not 50 dollars a month because that's 240 240 240 240 250 240 240 250 your margins are if that's so dude this is all january so they charge that's my studio they charge me 250 a week and then it adds up to a thousand a month that's my studio rent i hit five times in one month by the way but yeah that's brutal oh so over jeffy's a thousand dollars so with the u.s bank You got some waived, but still,$1 ,000.

1:27:19U.S. Bank, because I don't know why I still have it. It's a stupid reason I still have that bank account. I was told to jump ship from U.S. Bank after I joined National Debt Relief. And then I switched over like 90 % of my stuff. And then I guess I got lazy. So U.S. Bank, something we'll take out of there, and then I'll just fund it. So I usually don't ever, not ever, it's happened, but I usually don't get up. I'll tell you what you never fund, your savings. It's$100. Yes. For the U.S. Bank one, I just keep it in there because for some reason, and they won't let me close it unless I am days away from paying it.

1:27:47Okay, so everything's pathetic. Got it. Yeah. Understood. You can't do anything. You're incapable of anything. Wham, wham, wham, wham. I mean, I wouldn't say that. I would. I wouldn't. I don't see payments without the LVNV, you know, from payment, whatever. $800. What's your portion of rent again? $1 ,200? $1 ,400. $1 ,400. Your portion of utilities, how much? Plus internet? I do internet. the 14s including utilities but internet's 100. You pay 100? Mm-hmm. Boyfriend takes the energy and shit like that. Okay. Income was 36. Have to set aside money for taxes. Phone bill. How much? I pay 64 but the Xfinity keeps trying to call me and I covered under them so I think I'm going to get it for free.

1:28:32Okay. Well, I'll put a 64 for now until you free that out. I'd also do helium for 15 bucks a line. I guarantee you the coverage is good and there as long as T-Mobile is. Um, okay. Gas, broom, broom, drive, drive. How much a month now? Now I would say like 80. Car insurance? Car insurance is a 190. No, wait, 170. Sorry. Necessary food. You can do$300 for yourself. Meal prep, meal plan, throw it to the grocery budget. TP fund. Cause you got extra weird things going on. 200 bucks. Anything else you need to survive. That's including your wine and weed and cigarettes. you freak. You put them in there.

1:29:13I'm not giving you an additional budget for that, but I upped it so you can put shit in there. Medical healthcare, how much on the co-pays and stuff on a monthly basis? So I have my pills. Those are$40 a month. And then I pay, like I said, $100 for the neurologist and then I'm about to have to start making... Oh, that's in your monthly payments. Yeah. And then I have to make when I go and get this test done next week, I believe I'll have to start paying them about$100 a month. I believe... I'll put that in debt. Making that debt now$900 a month. And how much is that going to cost so I can make it a balance?

1:29:45I actually don't know yet. It's a three-day long EEG. Okay, well, we'll figure it out. $100,$400. You'll just have to incorporate that. I'll cross it out for now. Bring it back down to$800. You'll just have to incorporate it. So medical debt, 40. Subscriptions, I'll try to put 40. You figure it out. You have any pets? No. Anything else that needs to be in this budget that I have not taken into account? No, I don't believe so. Okay, and you have money left over, so you can't tell me... I have money left over? You have money left over. That's after you set aside 30 % for taxes, by the way. You have$406 left over.

1:30:24We'll call$400 to keep it even. Jesus Christ. I didn't actually expect that. I was expecting you had to tell me how to go bankrupt. You don't have to. It may get you there quicker, but you haven't changed your behavior yet, and every single time something bad happens, you immediately destroy your life. So I don't know if you're someone I'd want to get a clear situation with. But that might be$300 a month because you might have$100 minimum fee payment. Yeah, I mean, I would pay your uncle and boyfriend back immediately, which you should be able to do in a few months. Call it, what is that? Seven months, maybe?

1:30:56Eight months, maybe? After that, save up$4 ,000 as quick as you can, which you could do in like a year or so. And depending on what your minimum fee payments are like at that time. and that will allow you to pay off that massive collections thing. And then from there, you're doing that$600 until the national debt is paid off. So you're just saving up a fully funded emergency fund. Whole thing, I'd say about three, three and a half years. So no, I would not do bankruptcy at that mathematical thing. Try to make more money, obviously, of course. And that will accelerate that process. But fully funded emergency fund, debt-free outside of your minimums to national debt, will be three and a half years.

1:31:34And that's not bad. Then you're 50, 30, 20 for the rest of your life. 50 % on needs, 30 % on wants, 20 % on savings, which is mostly investing at this point. Because, I mean, you'll probably need a new car, but you need to invest to get some retirement going. But you need that fully funded emergency fund. Okay, we'll call the boyfriend of the post show, but let's get the hammered financial score first. Spending in a budget, you overspent, shocker to no one, zero out of 10, debt collection, zero out of 10, emergency fund, there's nothing zero out of 10. I don't know what you put in to get a three out of 10 on the website, but retirement, zero out of 10, real estate, zero out of 10, because you have nothing there.

1:32:05Well, I did it like three different times, and I swear it asks different questions than this. Well, yeah, the questions are... It branches off on stories based on your answers. So, yeah. My bad, I did not realize. And if you were getting different questions every time, that means you were answering differently every time, which is really bad. No, I took it two different times and I got the same thing. So it was through the same. You said you were getting different... Okay. No, no, no. Whatever, get yours at Kaleofhammer.com. Your score, shut the fuck up, is zero out of 10. Join us, I'm going to call the boyfriend.

1:32:30We're going to have to confront this whole situation, so it's going to be a good post-show. Join Hammer Elite, three premium shows every single day, six days a week. including an extra 20 minutes of this episode called the Financial Auto Post Show. I'll see you there. We went through her spending. I know she owes you a box, but she's choosing her own fun. You know, I don't know how. It's crazy. Yeah, I need to process that. I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only.

1:33:03Plus, I have an exclusive offer just for you, but I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. There's a new way to sweet green. Meat wraps. Handheld, hearty, and made for life on the moon. With bold chef-crafted flavors, fresh ingredients, and over 40 grams of protein, they're built to satisfy without slowing you down.

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