She’s Back | Financial Audit

27:46No, I got my shit together. I have a fucking company. I have employees. I have a house. I have actual responsibilities that I am taking care of on a daily basis. Do you have empathy? Where is that at? Yeah, absolutely. The fucking resources and money that we put into this to actually get people out of their situation, paying people above the median average for their positions. You're damn right. I love that. That's amazing. Yeah, so f*** you. I want to do the same. I seriously want your help, but you keep trying to make me out to be this bad guy. No, no, no. Let me talk about my non-profit. Let me talk about my non-profit.

28:20I'm not going to. Are you plugging in a non-profit? Maybe. No. No. No. Caleb, I'm not all about making money. If I wanted to make money, I would have gotten the 40-hour a week job. No, I'm not saying you need to strive to millionaire status or anything. like that i'm talking about a basic level of security instead you're being enabled by family members who is allowing you to do nothing that's not allowing you to milk off of them okay you want to hear a story i'll get crisscross applesauce i feel like maybe your inner child is a little upset that they feel unappreciated that they can't or rather that i'm not taking all of your advice being on your show was seriously very eye-opening i had a fun time good and then you did nothing And then you did two.

29:08And then you did nothing. I did a lot behind the scenes. Okay, these documents don't show everything. Put these in the motherfucking shredder. But after I was able to watch myself on financial audit, I really was like, oh my goodness gracious. She's insufferable. Not that. Thanks. I was like, damn, I really am in the victimhood mindset. Yeah, no fucking shit. Can you talk nicer to my inner victim? Dude, my family had three interventions with me. And they have not worked? In like two weeks. About? About, actually, it was about seeming and feeling too entitled to like support. Yeah. Yeah. Because you are.

29:57How have you survived? 12 months ago. How have you survived because you just take advantage of people around you? Okay. What is your monthly payment to your dad for the$4 ,000? Good death. Okay, that's what I wanted to ask you because my dad was like, hey, can you start repaying me? So nothing is what I'm hearing. Great. By the way, guys, if you want to be on the show and you're not her, apply at calebhammer.com and I'd be happy to have you. Calebhammer.com slash apply. If you want your Hammer financial score, hers is probably a negative for you. It's free. Link in the description below. Amber, you're killing me.

30:31did we did we we connected you with resources uh throughout did you did you ever take the budgeting class did you ever take the investing class did you ever take the debt class i didn't like your budgeting class why because it actually required a little bit of sacrifice okay to be honest that first part of it was just a way to collect my data who would you sell that to so you asked for all my demographics and and i was like that's because we i want to understand our audience we don't sell shit okay that makes sense took way too long the most basic thing yes the debt all of our classes are multi-hours with quizzes and education because this isn't a simple oh if i can just change my life like that because this isn't some manifesting bullshit you actually put in real effort now that you're saying this okay i feel like i could take it i could take it would it feel like i'm setting my head on fire probably but maybe i could make it fun by like watching a movie at the same time.

31:30You're an actual child. I don't like you. Well, I'm growing up in the sense where I'm trying to be able to do things that are not fun. No, you're not. You're not. You're not. You're not. This is... I mean, well, this is why I am where I am. You're making this a failure of an episode. This isn't good. You're being just a dumb child. Usually people can get something from this episode, from these episodes, even if the other person's just... Well, let me continue my story because maybe you're not getting anything, but I feel like someone else out here is feeling very seen and heard. Seen and heard?

32:00That's spiritual. Yeah, no, no, no. If someone is being seen and heard because they see themselves in you, they need to get locked in a f***ing institution. Caleb, we are all each other's mirrors. Shut the f*** up. Whatever you judge and mean, you judge about yourself. Do you feel like you make enough money? Yes. Well, maybe that wasn't motherf***ing mine because you're judging me for not making enough money. No, I'm judging you for literally the numbers on the paper. What the f*** are you talking about? Oh my gosh. You know. You should try these on. When we have people back for the polyps, it's hoping for a celebration.

32:37It's hoping for a celebration. It is a celebration, dude. This isn't. I made 12K in one gig right after the interventions from my family. I don't believe in savings. You know what I spent that on? I spent that on rent. I spent it on acting classes. I spent it on getting a car and transportation. I don't let my money sit in a bank account to not use. I spend that. I'm going to Asia next month. Hey, you're a decade and one year into acting. If you're still taking acting classes, maybe it's time to move on because obviously you're a failure. I don't think you completely understand something that you've never done, but that's okay.

33:18It's extremely difficult. Sure. Yeah, I've been more successful in front of a camera than you'll ever be in your entire life. Interesting. Amazon Chase. I'm not going to say anything too cocky, but I believe in myself. I would believe in you, too, if I saw literally any effort. I'm sorry for the insult. Like, I just, I want to put things in perspective. You want to throw things out there? I'm going to shit on it when it's, like, if you are bullshitting yourself. I'm not going to allow you to put yourself on a pedestal. I don't go around talking like, oh, I'm this great guy with a great YouTube channel.

33:51I have the same friends I had before as I do now. Nothing has changed. But you're right. I'm going to on that when you are trying to act like you are here when you are not. Look at you. $30 ,000. Not paying taxes. Not doing anything. Not making progress. I'm not going to sit on a high horse. You know that I am in full spectrum mode. I see the lows and I see the highs. Like autism? I'm saying I see the highs and the lows. You don't need to put on some little cutesy thing. We're just going through your debt so we can get you out of debt. And if other people relate to that, that's great. Caleb, I'm not saying anything about me being cute.

34:31You are. So thank you. $2 ,228.95 on this Amazon Chase account was$67 as your minimum of the payment. You made more than your minimum. Amber, good job. then you purchased on the card why why allow this to go up even though you did double your minimum payment the balance went up well it's also accruing 45.66 cents of interest why do no no listen you're oh wait a second available credit 24 guys we're making progress we're really getting there the f*** are you talking about 24 you do because you don't have an emergency fund and you say you use fucking cards if emergencies happen. So you need credit.

35:17Well, I now believe... Amber, what do you fucking think who needs credit? Emergencies are not going to happen so they don't happen to me. That's not how this works. You might fucking stub your toe, fall, and break the face, and then you can never make money again on what you're trying to do. Caleb, everything that I think will happen does. For example, I was on my way to Miami. When I was on the flight last month, I literally think, I need to buy... Chill! I really need to buy a new viz. And then I get to the, I get in line to check in for the Mondrian in Miami beach. And this fairly creepy man approaches me and is just like, um, excuse me.

35:51I, I was with a crazy woman last night and she grabbed these toys from the mini bar. Um, would you like this ring? And I was like, how did you know I needed that? I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Moo Moo, where they give you up to 15 free stocks and 8.1 % interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you 4.5 % on your money and up to$300.

36:30Would you rather have automated investing? Sign up for Acorns with my link and you'll get$20 right now instead of the usual$5 you'd get from your friend's referral. You can also sign up for our investing program and get$100 in cash deposited into your MooMoo account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you. That's one of about 100 stories of how I just think something and it happens.

37:00So I try not to think. What'd you do? It's happening, except for all the that's going on in the world currently. But anyways, what? What did you do with the... This is a get out of that show. I tried to use it. I haven't had something forever. So I tried to use it on myself. I like put it on my finger. I don't have that. And it works. Okay. You're one of those people that anything happens. Yes. And one of those people where anything happens in life and they connect it to some thought. We're all thinking endlessly, endlessly, endlessly. I'm thinking about how I'm a little hungry. Oh my goodness.

37:33I fucked. Oh, I affirmed in my entire life and allowed this food to come to me that I purchased later. Like, no, this is happens. Like, you just associate everything with your delusion. And I can't deal with that. I don't know what to fucking do. Because you're kind of broken. $2 ,220. Caleb, we are all healed. Shut the fuck up. $67 minimum payment. payment gosh i'm probably being a dick but huh huh yeah be extra rude today it's because you're being insane i want to have a real conversation get you out of debt and you're literally just like oh i'm so cute vibrators 489 dollars in interest in a yearly basis is not a joke i would take this seriously i would no i would start not joking because that is an actual serious thing that is impacting your life.

38:27I physically can't not make a joke. So, sorry not to talk. What did you want to talk about with the f***ing interest? Yeah, how do we stop that? Okay, so give me a real number. How do we stop you to pay off the f***ing card? Let's talk actual numbers. I don't like talking them myself. So, now that you're here, is this a safe space, Caleb? Talk numbers? What's your question? Okay, so based off of what you know, oh my God, Mac is having a panic attack because of you. No, because her mom's going to be homeless. I would never make you homeless. What's your question? Okay, so based off of what my income is right now, and I have no doubt that's going to go up very much so.

39:13But I need a feasible number for paying all this back. But my dad is definitely the priority, of course. Why? It's interest-free. Well, is he demanding it back? Does he want it back right now? He wants payments back. He doesn't demand the full 4K. Then that is fair. And how is your income going up? Because, again, you went from 20 ,000 hours to 30 ,000 hours a year in the second or third or third most expensive city in the United States. Well, done. Okay. Congratulations. So, okay, your income. Yeah, you went up from 20 to 30. You're really, really, really just doing the bare minimum. I'm sure that's under the poverty line.

39:51in LA. I am not doing the bare minimum. I have to spend all my other time. Income. Okay, yeah. Income is great. So you're saying your income's gonna go... It's not. It's objectively not. I'm saying income in general. Great to have. Dude, I'm literally trying to make a point from what you were saying. And I'm trying to defend myself. Not that I need to, but... You're saying it's going up, so are you gonna go from 30 to 35? Because we can't work with that. If you're going up is the same as it was last time, It's really, you're still ending up somewhere that is not good for the area you live in. Do you want to place a f***ing bet?

40:24I bet you I'll make a million dollars in 2025. What do you say to that? What do you want to bet on that?

40:34I don't bet, but I would bet$100 ,000 on that. Shut the f*** up. Happily. Really? You're not making a million dollars. You're not a betting man, though? No, I'm not. You can't just tease me with that. There's no way. Unless you have something I don't know about. I'm starting a nonprofit. Does that count? If it's a nonprofit. I'm going to fucking die. I think so. I told you, man, I'm not all about the income. I'm about impact. How are you making a million dollars on a nonprofit? This next year. Your salary from the nonprofit's a million dollars? It might be. But, you know. No, no, no. Is that seriously the thing?

41:11Or is there something? Is there a gig that is lined up where you're getting paid a million that I do not know about? Yeah, I'll probably be in a great movie next year. But has this been auditioned even yet? Not yet. Okay, then yes. You know, get$100 ,000, absolutely. At the same time, there is not a single way in this world you'd ever be able to pay me$100 ,000 if you lost.

41:37Because I'm not going to lose. Because you have$5. Five to a million? Almost unheard of. Unless you were like starting some crazy business and got investors and went public or something, dude. Listen, I mean, you literally lost$489 in interest on one card. And isn't that a relatively. If my income from the nonprofit, from my social media work. Do you know how nonprofits work? My acting, my modeling work. Okay, what's your nonprofit, lady? It's the web show I mentioned a year ago. Oh, so we still haven't got our goals off the ground in a single year. I have other goals that I've gotten off the ground, Caleb.

42:10Go on. What is it? What's this nonprofit web show? So I rebranded from Healing Amber because I believed we're all healed. I'm not broken. Just broke. But go on. No, I'm not. No, I'm not. Go! Talk! Yeah, we rebranded to Exploring Amber because my favorite thing to do in the world is to travel and to make videos and to make spiritual comedy. Yeah, net zero. And, okay. and basically the non-profit is kind of like imagine the energy of oprah i go around the world i experience all these has money so there's there's i can't you don't think oprah started somewhere without money she did but she made some and saved it go on i'm only 28 dude i'm a baby Yeah, I'm 29.

43:04You are? How old do you think I was? Like 30-something, but I don't... Why do I look ancient? No, I don't think that age is... How old do I look, people? I don't think. I think age is a privilege. I do retinol and sunscreen every day. Do I look old? No, I think your skin... You had a skin journey the past year. Who helped you with your skin? I just want to know your skin. Esthetician friend. Why? Why do you think I'm older? No, it's not. It's not like that. It's I'm not good at guessing age. I'm like a four year old when it comes to guessing ages. I'm not good at it. I just say numbers. But yeah, basically the energy of this show is I would go around and I would experience all of these, let's say, wellness businesses, these spiritual businesses, these travel businesses, stuff that's fun, thrill-seeking.

44:04And then I would get donations from people to make these experiences more affordable and accessible for people who can't afford to go on flights, who can't afford wellness, who can't afford spiritual experiences. Who's donating to this? I already got 5K, bro. Yeah, wonderful. So, you know, there are like nonprofits. That's a lot of money. There are nonprofits that help people who can't hear, who are deaf, who are blind, who are amputees, who struggle in life, who are homeless. And you're like, okay, that person couldn't travel. I want to make sure they can travel and see things. You? Have you traveled?

44:35Are you a traveler? I don't travel very much, but I have. Okay. You want to come on a trip with me one day? I'll show you how amazing it is. I don't think I could sit next to you on a flight. Then we'll sit separately. We'll have separate hotels. Mac will babysit you while you cry about how much you hate traveling. I'd appreciate that because Mac's the only way I'm making it through this episode. And you're right. You're 28. You have some time. Guess what? Oprah only made her first million at 30 fucking two. And that's inflation and justice. So she probably made today's million at like 30. You didn't shake my hand on that bet yet.

45:07You're not, Amber. If you're making a million dollars from your nonprofit next year, let's just say you do, you're abusing your nonprofit. It's all about varying your income sources. That's not my all-night income source. Eventually, I will be making a million dollars a year from that because we'll be rolling in the dough. But do you want to try those? No, my ex had glasses like that. Oh, so am I reminding you of your ex right now? No, I just never thought it looked good. I think they look amazing. We actually have a, you know, we're pleasant. If you're watching this, we're pleasant. I just didn't think those glasses looked good.

45:44We learn a lot from traveling. We get to see other people and other cultures as humans. If we all got to connect with people, I appreciate that you agree. Then I think that we would have a lot less war, a lot less issues. And you'd have a lot less poverty in your future if you literally sacrifice temporarily right now. I'm not in poverty, bro. I drive a new car. I said in your future, do you know what the word future means? Are we able to comprehend words? Future. The time ahead. Those moments yet to be experienced. Sorry, that was my ego. Yeah, manifest comprehension real quick. Minimal monthly payment on this next card is$60.

46:24You owe$1 ,724 on it. Thank you. Thank you for not purchasing on this card. Interest is accruing of$43.57. How long does this take to pay off? Hey, how long does this take to pay off minimum monthly payments, please? How long? I'm leasing the card. This is not the card. We're talking about Bank of America credit card. Oh, sorry. Why do you have to call me that? Because I'm irritated. Why didn't you call me that? Because I'm irritated and I swear a lot. I apologize. How long does it take to pay off this credit card minimum monthly payments? Thank you, America. Ugh. Yeah, that's the way I don't like the most.

47:00I know you don't know. I just want you to fucking guess based on what you think. How long if I continue at this rate? No, minimum monthly fucking payment on the card. How long does it take to pay off? For fuck's sake. The easiest question. I'm not going to lie. I still don't understand the question. I went to college. If you only made your minimum monthly payments on this card, how long would it take to pay off? Oh, oh my God. Probably like 20 years. 11 years. I was going to say 12, but I said 12. You've had late payments on this card two times this year, so f*** you. Well, okay. Even though I didn't watch your budgeting.

47:37$671 of interest this year. F*** you. Okay, I'm going to ask you a question that's going to get you off a little bit. I need your budgeting advice. So I want to take these payments more seriously. I am going to be making way more income. Based on manifestation or based on something that's already lined up? Do you know what manifestation means, Caleb? Answer my question. Is it based on manifestation or is it based on something already lined up in contract? Both. What's in contract? I can't talk about everything. Tell me the income. I have TV roles coming up. In contract that are signed? No. tell me in contract that assign how much you would make um with the few contracts that i have for social media partnerships these are brands that pay me a retainer per month don't you want to know what these are i just want to know the number that was my question please okay well i'm going to continue saying what i was saying this is just something i feel that is important so you didn't get this work as well you didn't last with brandon's friend did you hell no yeah sorry Shocker.

48:40Surprised. That was ego. Who would have thought that you didn't last with him? Yo, when people break up with me, I see it as provision from God. Yeah, broken up with you. Yep, go on. Go fucking continue. I don't want to give him any attention. He'll love that. Why don't you try to get to the answer to my question? Okay, so here's what happened. No, I don't care. I don't care. Too bad. You opened the can of worms. It's open. I will literally cut this part. I don't give a shit. Then cut it. Can we talk about this in the post show? In the post show. No. In the post show. No. Amber, please. Oh. Can we talk about the fucking money?

49:12We'll talk about the drama and the fun tea stuff. This is related to money. My ego just needs to tell this story or she'll explode. This is my ego character. She wears these glasses. Start a timer for 30 seconds. Okay, let me see it. The timer that is. 30 seconds starting now. Thank you so much. Okay, so right after the episode aired, he ended things with me after saying, Babe, I didn't know your finances were that bad. And I was like, yeah. ends things with me. Could be money related, could not be. And then after, or actually during my Hawaii trip, he messages me asking me for work because he knows I'm a big time social media ads.

49:494 ,000 hours a month. Caleb, it fluctuates. Freelance work is tough. You told me average. That's it. I said, listen, here's the thing. He's the one that told you to come on the show. He was at the house. He brought you. So I don't give a fuck. Obviously, just your delusion was displayed. I'm very grateful for him and for being here. And guess what? You're not big time. I'm not even big time. Who cares? What is big time? I don't know, but you're trying to talk to yourself like you're up here. I just can't allow you to be there. I don't want you to live in delusion. That's not healthy. I don't care if you're big time or not big time.

50:22I don't care about that. Who needs to stroke egos like that? But I cannot allow you to be delusional. You can call me delusional if you want. I am creating the life of my dreams. and yeah, delusion is an important part of us. If your dream is being in debt and not being able to cover any expensive, it pops up. You're not letting me finish any of my stories. Keep interjecting with negative energy. Talk, bitch. If you call me a bitch one more time, I'll sick Mac on you. I smiled at that. Sorry. I smiled at that because Mac is very cute. Okay. Let me tune in real quick. I need you to shut the fuck up.

50:57I need you to, while I breathe right now and think about what I wanted to say. We're doing this. You have to meditate again. I need you to shut up while I do this, please. We're already wasting time. I'm just talking to you the way you talk to me, okay? I normally don't talk like this to people. I don't either, but that's because I'm not talking to f***ing f***ers every day. Caleb! I'm sorry. I'm sorry. I'm sorry. Please continue. Oh, my God! I'm sorry. Listen, you're crazy. Caleb just caught me the... Continue, lady. Please. Okay. Let me see.

51:32stop thinking i can feel it

51:38i don't know what i was gonna say but if i may finish my stories so even when you sit and think you're not even able to think this is incredible you're a wonder of this world is that a stress Hey you, look at me. My job is to sit right here and be the absolute stunning figure that I am. And some things I can't help, like my incredible ass. Which is why you're all here, of course. But also, some things are in my control. For example, the pearly whites. I yap a lot. Some would say too much. And I get that. But listen, if I'm gonna yap, my teeth may as well look pretty damn good. But the thing is, I drink a lot of coffee to get through the audits.

52:17and I started noticing some staining on my teeth. So I've partnered with today's sponsor, AuraGlow, and they've brought back my confidence for continued yap sessions. The reason I prefer them over competitors is because they actually whiten, but they do it sensitivity free. And that's always been why I can't use these types of products for long, due to my sensitive teeth. These teeth whitening strips from AuraGlow are incredible. Make sure to go to Amazon and get the AuraGlow teeth whitening strips. Make sure to use the link in the description below to make sure your gap sessions can be just as confident as mine with stunning white teeth.

52:53Oh, yes, these deals. No, the deals. That was what you were supposed to tell me. How much money is signed deals? Oh, thank you. Okay. So for these social media partnerships, I have one. I make four videos for this brand a month. I get$450 a month. Sometimes the videos take me one minute. Sometimes the videos take me an hour. That's great. Next. Right. I have a new brand partnership. This one pays me$1 ,400 a month for four videos. Very good. Thank you.

53:29What's that other one? I'm kind of blanking. I still have to associate a little bit from my finances. Our path to a million dollars is not$1 ,850 a month. I have, I, then for these other agency gigs, these are not contracts. Are you going to let me guesstimate on those based on what I've made in the past month? Or we don't like that. How long have you been doing them? Just a month? Because if it's just a month. For what, these are new partnerships in the sense where they know to call on me as their top talent. Then no, I don't think we're going to bet on that for a long job. If it was something you're doing for a full year.

54:07no if it was something you're just like proven record like we can do that just like you know the s &p 500 we can guess it's going to do 10 because on average that's what it's done historically but if we were just betting off a stock that was and that went public last year we can't do that look at my thingy majigger look at the thing what did you just call me what no not you look at my thingy majigger the one with paypal careful you live in la with that kind of language whatever is from PayPal is from that one agency that hires me regularly $300 per UGC video. Each takes me like an hour. Okay. This other brand pays me like$500 for another video.

54:46You'll need that because you're past due on your car$500. That was just one month, bro. That's all it takes is one month, bro. I agree. Good. Then why did it happen? It happens. I think I didn't have enough on that card with my business card. Card? What's card? What card are you talking about? Card. The business card. Card? Is that a credit card? Hell no. It's like a business debit. Business checking account. Found banking. You've probably seen me on your social media timelines. Found banking. I have not. I love them. I haven't seen you. Weird. I've only seen you show hairy armpits on Instagram.

55:27Yes. I'm a body hair model. It's like a dream come true. How much is owed on this car in total? I was seeing a finance guy who told me that this was a good deal. I can't get an answer. The car is like, they gave me a good deal on it. It's$31 ,000 to buy it out. Oh, you said this is a lease. It's a lease. Oh, that's right. Oh, thanks. Well, hold on. You make$38 a year. What are you talking about? What are you talking about? What are you possibly talking about? I'm making a million dollars next year. Shake my hand. Shake my hand. Shake my hand. Stop, please. Stop. I have to stop when you say stop, but you don't have to stop when I say stop.

56:05My show. That is accurate. Okay, so... Money is like water. It flows in, it flows out. If you don't let it flow out, then you're not going to have it flowing in. It's always going to flow out, but it's managing the flow. Yeah. If it's a ravenous river that can't be controlled, it's going to tear down all the trees in your special little life. Oh, yeah, so that's... Come on, I tried to make that relatable to you. Yeah, I tried to make that special for you because you're so unique and very important. Dale Carnegie, always speak in terms of the other person's interests. I really appreciate that you know me.

56:38Remember I was trying to ask you for budgeting advice before you yelled at me for the umpteenth time? $525 is your normal payment on here, but again, we are past due and you have unpaid late charges. Now you had fees and stuff baked into this car. The maturity date of this lease is the end of 2027. This is horrendous. In what world would you consider being able to buy this out? You would have to take a debt to buy it out. You don't have$30 ,000. Do you not believe in the ability to make more money? I do, but you are net zero on your money, self-confessed, and your debt has only gone up that we looked at.

57:08So shut the fuck up. That's not how this works. Okay, but obviously you are not proving that concept correctly. And also we don't get - Work in progress, work in progress, work in progress. There is no work. There is no progress. And also we do not get debt with the hope of making more money. Listen, if you do make more money - I agree on that. If you do, then why are you suggesting it? It was a half joke, but yeah, sure. It's a joke? Your life's a joke, a full joke. There were things I did need to do, like Klarna. I wish they didn't invent Klarna. Holy shit, just charging shit to Klarna after pay.

57:43Boom, boom, boom. Wish your mom didn't invent you. Okay, you want to talk about my mom right now? No. Thank you. She's the reason I'm here. and the reason that I don't listen to people who well I wouldn't say I don't always listen to people who yell at me it's kind of my thing that's why why sign up for the show you did it yourself you I always follow whatever my guardian angels are pushing me to do I do it I felt like I was supposed to come back here still don't know why yet because you haven't helped me with a budget You haven't allowed me to get through this. I didn't really want to budget until I was like, oh, how do I repay this debt?

58:20How can we budget until we have your numbers on paper? You haven't allowed me to get through it, and we're in an hour. You're insufferable. We are? $525 is your minimum repayment. This is what I'm trying to do. You say the buyout's$30 ,000, but what's the remainder of the – well, we can do it. There's 33 months remaining.

58:41$17 ,325 remaining on your lease to pay. and you can probably buy it out for like 15, just about. Really? Why do you need it? How do you think math works? Why do you need to buy it out now? How would you buy it out now? With a loan, correct? No, I don't think that's legal. I don't think I'm allowed to do that. Well, it would have to be a separate loan. Oh, I didn't think of that. Oh, good. Please don't. Oh, no? Well, I know you'll forget it in 30 seconds. I'm not a goldfish. That would be ideal because I'm totally going to go over the max number of miles that are allowed for the car, especially the people who rent her from me.

59:21That's another thing. What? I get my expenses covered. When I travel, I get a subletter. When I travel, I get a car rental. You rent your car out? Like Turo? No, no, no. But like Turo. Word of mouth. Like Turo, but not... They're putting miles. Why would you possibly do that on a lease? That's the worst possible thing. You're not making your money back per mile. That plan is to buy the car. But your plan is, what if that plan doesn't work? Not every plan works. I agree. If it's not meant to. And what if this isn't? I plan on buying that out before the lease ends, but I would ideally like to do it sooner because of said interest.

1:00:02When was the last time you've been put in your place for anything? Not for a while. Yeah, that is showing beyond clear. I told you, I had those interventions after your show was released. My family was like, dear God. It did. I immediately took a line to action. So this is why I asked you. Girl, your debt's getting worse. Shut up. No, it's not. The statements we've looked at have gone up and you're late on a car. So what are you talking about? I saw that and I hopped on it. I paid that. The debts are not. Well, it doesn't matter. You were late because you didn't have enough money in your business account.

1:00:35I did go on after pay and I paid for this. I don't like to say healing anymore. but I paid for this course. It's a quantum healing course, essentially. I paid like - Who's an Ant-Man? 25, no. I paid$2 ,200 for that on Afterpay. Oh! I give you free things that are actually proven to work in the real world and also has the lowest refund rate by industry standard and we allow people to have refunds for 30 days. Yeah, it's nice. And we give that for free and you don't take that but you go spend 25 whatever on bullsh**. Bullsh**. What? It's not complete bullsh**. It's the reason I feel like I'm literally quantum leaping right now.

1:01:20Are you on drugs? No, I'm on cacao. Let me see it. I'm curious. Well, this isn't made with coconut milk. It's made with water. So if you want to taste it, I don't want to taste it. I want to see it. Looks like dipping. Okay. Well, you know, stop. Lady, get away from me. You invited me here. I did. For a follow-up, we invite every past guest for a follow-up. $1 ,582.55. Huh? Everyone? Yes. Oh. Yeah, congratulations. You're not as special as you thought. We're all special. Therefore, neither of us are special. Therefore, we are all special. Shut the f***. $316 minimum for this f***, Clarina. Okay.

1:02:08With a balance of$1 ,582 for a bull**** class, that will do nothing for your life. That's not bull****. Quantum integration. It is. Everyone knows it in the real world. If you sign up for it. Shut the f*** up. Hey, Navy Federal, this is the one you paid off? Good job with that. Ha, ha, ha, ha. Yeah, you paid off$500 in a year. We need to celebrate our wins, Caleb. Otherwise, they won't keep coming. $500 in a year. Good job, girl. Yeah. I believe that has been completely offset by everything else going up. God, I hate interest. That's how it works. Okay, so for real, though, are we? I recommend the Fizz card for most of you, usually, but not for her this time.

1:02:47I do not want you to touch it. I do not want you to touch it. I do not want you to even come close to it. I'm not even going to sit you down with our financial advisors that don't make money. They get free sessions. Everyone gets a free session. I'm not going to allow them to talk to you because you're not going to take it seriously. unless this is you taking it seriously apparently but i'm not gonna allow you to touch it you know what you don't actually no no one of our resources that i actually could set you up with sound or mind sound or mind sound or mind therapy three free therapists three therapy sessions of actual mental health professionals instead of your bull because you need it okay three free sessions you get it instead of your bull is actually based in science the audience obviously you get to deal with it just like all of our resources but you can actually get three free sessions i don't do talk therapy anymore is it like is it text is that how you do therapy talk you're a broken child anywhere sadly my credit score uh we're gonna get excellent one day no literally not based on your entire spending habit i'm sorry i don't want to be doom and gloom and just against you but that's not how this works maybe i'll marry someone with an 850 credit score then yep because you're pretty but he won't be able to stand being around you for more than 30 seconds that was really sexist what if they're a woman or non-binary sexist assuming that you would be like the majority of people you're assuming i would marry a man well i just went with the average but i'm okay with you marry anyone i don't give a i'm just saying yeah maybe we don't get offended by everything and pretend like we're a victim in this world.

1:04:31Maybe you actually try. I'm trying to raise awareness of the gay community. Everyone knows they exist. Normalize non-gendered conversations. Dude, if you said you were marrying a vagina, I wouldn't have cared. That would be totally normal to me. I don't give a f***. Why are you freaking out about something that literally doesn't matter to this conversation? I'm not freaking out. You're freaking out. No, it's just because I hate people that immediately become a victim to everything. Bro, that was so 11 months ago. What, victims? My victimhood mindset. Yeah, 11 months ago. She's healed. Okay, obviously.

1:05:05Stop amusing it. Ladies, stop touching things. You're throwing things at me. I can't tell what's mine and what's not. Nothing's yours. Literally nothing here is yours. Sure, sure, sure. We printed it. $26 ,348.39. The minimum monthly payment of$279 for student loans. Did you graduate? I forgot. Did you graduate? I forgot. did you graduate from school? Like college? Yes. Hell yeah. How'd you manage that? $279 minimum fee payment,$26 ,348. Yeah, I know. Yeah. Crazy. You're actually paying it, right? No. No, I haven't started paying yet. We're in forbearance. No, you're not. It says it's due. Are you f***ing stupid?

1:05:53It's due. You owe$279. It's f***ing due. You don't know what forbearance is. You're not in it. Well, I haven't paid shit yet. Guess what? They will fucking garnish you. What's that mean? Take your money before it hits your account. Have they already done that? Not yet? Garnish? I don't know because I don't see your fucking stubs. I need to call the government for many things. You know what? I would actually rather talk to them about other things besides my student loans. Yeah, maybe student loans and taxes we just pay them like adults. Did you vote? Vote? Yeah. Yeah, I encourage everyone to vote.

1:06:31Who'd you vote for? I'm not telling you. It's a sacred thing that we all get to keep to ourselves. Green party. That's who you voted for, actually? Oh, you are a joke. Any other debts?

1:06:50No. You wouldn't know. I really wouldn't know. I have no clue but what I do know is that I want to start repaying them that student loan sure sure I'll start repaying that I don't want to continue this I want you to give me actual advice instead of yelling at me but you are unreceptive you don't know your finances you don't know anything you are battling everything you try to cope through everything I'm an intuitive spender you are not intuitive about anything in your life you don't even know what the word intuitive means you don't understand anything in this world You act like a child. You get offended over every little thing.

1:07:27You try to fight back against every little thing. You. Caleb. I don't know how you've survived. I really don't. Oh, because mommy and daddy and families and frenzies. My mom's dead, so keep my mom's name out of your mouth from now on. Okay, because daddy then. Thank you. Okay, daddy, because daddy will support us because we don't have to do anything in life because we know dad will support us because he enables our bad behavior. He did. which was amazing when I really needed it. Not anymore. You just said you could fall back on family if things happened. I'm very blessed. I can go stay with an aunt, cousins, an uncle if I need to.

1:08:05And that's actually what, and don't interrupt me on this. This is important. The main thing, oh my God, I'm going to get emotional. The main thing that made me make the change to actually start making money to make 12K in Hawaii to have consistent 4k months is that my family yeah sure they were like yeah you're too entitled you're too um frozen this or that but the fact that they then told me that they would support me no matter what it like unlocked something in me and then like my energy was flowing and I was just able to create and move and make money. And so we still have some unlocking here, but support system is number one.

1:08:56So they should talk about my support system if you want, but it's the reason that I'm going to be soaring. And I feel like I already am. You don't understand this. It is not about not having a support system. I can't believe you have a box of tissues right here for these moments. We did when you were on last time. It's not about a support system. It's about their level of support is not actually supporting you. Their levels. Shut up. I let you talk. I literally did not interrupt. So shut the fuck up. You need to hit rock bottom. Their level of support is. No, you don't know. You interviewed me during rock bottom right now.

1:09:35Okay. I think you can. You're not going to say it, but you can. I can't get a thought. Much better. Listen, if that's considered rock bottom, then you've never seen rock bottom.

1:09:47Rock bottom is subjective.

1:09:52You can finish your. Their actual support would be allowing you to actually learn from the mistakes, but because they bail you out every time their support is not helping you. It is enabling you. You think you don't need an emergency fund because of them. You think you don't need to contribute to retirement because of them. You think you can just blow all your money because of them. You think things will just come to you if you f***ing believe in it because of them always bailing you out. Because of them and their support, it is actually harming you and your maturity and your ability to get ahead in this financial world.

1:10:24Which, believe it or not, we are in regardless if we like it or not. You are in capitalism. Congratulations. But guess what? Them supporting you that way is not actually supporting you. If they really wanted to, they would let you figure it out on your own and figure out that, oh, you know what? Maybe I'll actually respect what a dollar bill is. I dissociated during that entire ring. Great. She's incapable of listening. All right. All right. I do think I should start contributing to my retirement. I'm done. Amber, I'm done. I'm done. Can you answer my questions finally? Finally. Finally, if you think acting is so easy, play along with me.

1:11:08F*** you. This, I literally just tried to give you what was probably the thing you needed to hear this most, and then you didn't even listen. So, f*** you. I don't care. I'm done. Because I don't completely agree with you saying that my family. It's not agreeing. It's just listening. I did not respect you in that moment, and I'm sorry. Respect a very known opinion in the world? this is a bit that is the most basic thing in terms of allowing a bird to fly this is the most simple thing if you are kept in the nest forever being fed you will never figure it out everyone understands the nest caleb i'm done what i'm trying to say is that is what helped me launch pad to where i am now and i think you can tell that i'm a much mentally healthier person I also got that glow like you.

1:12:00We're feeling good. The money will come. So you saying that it's not going to, where's the proof? Okay. Watch me. I really do want your advice on this repayment plan of all of these different kinds of debts. I try to give you the one thing you need. I need a number. I need a goal. You're a f***ing joke. Caleb, are you going to meditate? You're a joke. I'm not continuing this. If you want to have fun in the post show, we can. This is it. You're not going to give me the financial advice I literally flew here for? My flight was$400, ho. What's your type? What's my type? I think you like girl next door.

1:12:40He likes very natural beauty. I find you attractive until you talk. My talking is my best feature. Is that you trying to ask me out? To watch the Financial Audit post show, click the join button below. Thank you.