She's Back | Financial Audit

26:24Happy holidays, Merry Christmas, Hanukkah, all that bullshit and see you inside. I don't. I had my area chief of staff text me one day because I was worried about stuff. You have to defend that I'm f***ing with you. Keep going. Okay. She's like, I knew it would f*** with you. Stuff doesn't ever keep you from doing your best and like you're so good at your Anyway, which I could show you if you don't believe me. It's not that I don't believe you. It's just a bit like, but listen, I mean, it is. I just like, I mean, if they really value, they'd give a raise. But here's the thing. If they are trying to hire more people, is that not concerning to you?

27:01Because you can't do everything. And wouldn't they want people to be there to do everything? Yeah, but I still have my knowledge. and I still, like, there's some things that I can't do. We were going over that, right? Can't restrain a cat because it's dangerous for... I got it, but it's a vet. I'd say pretty much half the animals there are cats. And there's always two people for blood draws. That are taking money, though, from the business. But it's not just me. There's always two people, no matter who's drawing blood. And so for us to switch is not a loss of payment. Do you think corporate sees that?

27:41Yes. Okay. Continue. And then I, if a dog is too big or wiggly or whatever, my coworkers are very understanding and they're like, hey, are you sure you want to restrain that? I can restrain it for you just to prevent injury. Because if I get injured, then I can't come to work. And then we're more staffed. Which is also a short time corporate. It's like, it's a struggle. It's hard. I'm just trying to think from the business perspective, right? There's probably laws in California or maybe even federally that kind of would go against them correctly. But I'm just trying to understand the why. Like why would they not just want everyone that works in a physically demanding job to be able to do everything physically demanding?

28:29Because everybody in Vet Med's body is fucked up. It's a very physical job. It's very like – So you saw the job posting because they need more people who can do everything. Right. Well, they need more people, more bodies. We just need more bodies. And it's a$7 higher paid job. Well, the range goes up to$7 more than what I make. Which would be a 25 % increase if you got that. But your boss keeps pushing off the meeting. She was. I'm being told. And it wasn't because of anything in particular. We're just extremely understaffed and overbooked. And, you know, just like every other fucking vet hospital.

29:07And so we just didn't get any time. So at the end of a shift, I'd be like, hey, can we have our meeting? She's like, I don't want you to get overtime. So we'll do it this day. And then again and again. And so when we did have the meeting, I was really stressed because at that time I was in leadership development. Really? Yes. Okay. So I was shift lead in development for like three months. Shift lead? Yeah. I mean, I have managerial experience. Why would I not? Okay. And it got a little overwhelming for me because... That's why I questioned it. Well, it's something that it's hard when you're trying to make changes and people are pushing, employees are pushing back on it, even though it's a change that is for patient safety or a change that is for hospital sanitation.

30:09When you were going through the managerial training, how bulldozery were you being? How many big changes were you trying to do just out of the gate? I had a list that I was trying to go through slowly and my manager was like, all of these are great points. So let's try to put them into effect. I can see how that's being hard, especially if you're not like officially in that position, right? Right. But if you're a shift lead in development, you're supposed to be treated as a shift lead by the associates. Yes, I get it. That also kind of sounds like, it just reminds me when I was in food service and someone got like the PIC title, like person in charge, you know, for like the table that they were making food on.

31:01And then they like thought they were like, I'm just like, okay. It's like, yeah, yeah. Okay. I don't know. This is what it reminds me of, right? I'm not trying to be mean, but this is kind of what it sounds like to me. But, I mean, you only think you have three years left in vet med, then I would say. Well, that's like a guesstimation of like how long. Bringing us to 33, our career? Like, what are we doing? Well, because then I would continue RVT work. I just would try to have a less physically demanding, such as practice manager or as like virtual vet tech like I was doing previously. which you got fired from, right?

31:36No, I quit. We came to a mutual agreement of separation. Right. Remember? And so we derailed. What was the question? You got three years left, you say? Three years left. Guestimation because I don't know, I don't want to run my body into the ground and not be able to walk when I'm 65. You know what I mean? And so I hope not to stay in hospital for over three years. But that doesn't mean that it's guaranteed or anything like that. It's something where I want to be able to transition to remote. I'm already contacting the remote group of my corporation because we have our own like virtual vet tech chat that people can call into.

32:31and so I've contacted that's all internal hires I've contacted the manager of that I fucking can't think of the word group I don't know and then there's also like poison control has has remote jobs and there's the virtual vet tech you know job thing is very hard to get into So that's where I'm taking that. I'm just concerned that you're like putting kind of a already preemptive limit on it. You know, I know it's not a hard limit, but you're already kind of thinking it, right? Right. And that's concerning to me. Which everybody in vet med is like, I don't know how long my body can do this. Yeah, but it's a 33.

33:17That's kind of hard. That's kind of hard for me. I have a genetic disorder that my collagen doesn't work. I know. We went over it. So maybe you don't have this career field. It's like you're still putting in time and energy into something that you see yourself having a peak. That's what concerns me. Of in hospital. You're relying on having to get what is a much less in demand job. That tech trying to hire like crazy, right? All these other jobs that you get to sit on the butt and be happy. Not happy. Okay. Come on. You know what I'm talking about. A little easier. Less physically demanding. Yeah.

33:55Less in demand. Uh-huh. So you're really betting on, you know, a narrow window we're trying to shoot through. We're betting our whole career on it. With a three to five-year goal that's not hard. Okay, well, I hope you do it. I hope you get there. I'm just saying, like, since you've kind of time-capped yourself and there's less in-demand jobs are your only future that you're seeing there, it's like, dang, I really wish we could have been in something else like accounting, you know, who even knows, where we're just sitting. Where I just hate my job and don't want to go to work every day? Yeah. Yeah, f*** that.

34:29Well, I mean, adults do adult things every day. And I'm also adulting every day. Right, but you just said you're not willing to take a job that isn't your absolute favorite job? Uh-huh. Adults do that to pay bills. That doesn't mean that I— What does your future look like? I already have a job. Why does it matter? Because you have a time cap on it and you're only— I have a hopeful time cap. And your only way out of it, according to what your body demands, is a more narrow sliver. So that's just what's concerning to me is you really have – you've kind of narrowed your limits dramatically. But, I mean, what has changed?

35:07What has changed? I mean – It's been a year. Uh-huh. What happened right after filming to like all the way through now? Well, like I said, I got hired a month after, started two months after. And then I was working and I got a sign on, well, a referral bonus. My friend got the referral bonus and we split it. So it was like a$3 ,500 check. And the probably May, April or May, I moved out of the alley because I was able to book the Thousand Trails six months out. Because you had money or time? What moved the needle on that? Just waiting for a reservation to open up. Yeah. Yeah. That's hard. Yeah.

35:53Okay. Because what happens when like whatever reservation you're in now ends? I know you talked about a weekly rent somewhere, but like it sounds like it's in high demand if we had to wait for something to open, right? The Thousand Trails, but I get to book six months out. So I'm already booked out. But people aren't trying to do that as well? I mean, a handful. Okay. Like, I'm sure they are, but there's hundreds of sites at the campground. I want to ask you about spoon theory. Tell me about it. Supposedly, based on this theory, people without a chronic illness have an unlimited amount of spoons.

36:36Obviously, nobody has an unlimited amount of energy. Spoons? Yes. Energy is your spoon. Yes. So like say a shower takes one spoon and then work takes eight spoons. Isn't this just calories in, calories out? I guess so. But it's not about calories. I don't. That's like energy. Uh-huh. Which can be mental, social, emotional, or physical. You can put calories in you via spoons. Sorry, continue. Uh-huh. so when you wake up and you only have just like a handful of spoons and then you have to do so many spoon activities then at the end of the day you just fucking fall asleep at 7 p.m. because I worked from 7 to 4 or 7 to 5 if I get overtime and then you really like hitting that spot on your head don't you yeah you yeah with you yeah okay It's just like, yeah, we all have a certain amount of energy we're able to give, and you can find ways to give yourself more energy.

37:47Caffeine's a good— Caffeine's not good for— Your spoons? —my heart because I have pox as well. Then why the fuck do you have caffeine? Because I asked you if you're a caffeine girlie when I was giving you GamerSubs 3 samples, and you're like, yeah, sometimes. And I do it like once or twice a month, maybe. But there's an option, right? So there it is. Food gives energy. Better night's rest gives energy. You know, things we can work on. I'm working on eating better. So that could be more energy. But like I said, I sleep all day, like literally 20 hours in a row without waking up for anything. Like my body.

38:22But if you're trying to fall back on something like thinking about your spoons, doesn't that already give you an excuse out? I wouldn't say it's an excuse. And an excuse out of what? Whether it's working an extra shift, picking up some more hours, going and cleaning the house after work instead of on the weekend, you know, things like that. Seeing the dog, taking down the tent that I guess your place is very angry at. Dude, for real. I don't know. But it's just like I feel like it's just, oh, I'm all spooned out. Can't do it. No more spoons. I don't have any more spoons left to give. Yeah, so I'm going to cancel my— And then people are like, what the fuck are you talking about?

39:01And then you're like, I'm spoonless. A lot of people know what you're talking about. Maybe in Sacramento, but in the real world where everyone else lives. In the chronic illness world, 99 % of people understand spoons. And there's a lot more people with chronic illness. Is it the TikTok chronic illness world or is it? Spoon theory is pre-TikTok. I'm talking about the endlessly self-diagnosed world. I have a doctor. Not you, not you specifically. Not you, well, but not you specifically in certain things. I'm just talking about the people that talk about things like spoons. What about them? I feel like it's from the people that are often self-diagnosing.

39:39Okay. I don't, I already told you that the community within chronic illness, like the community of people with chronic illnesses understand that it's harder. Like you probably don't run out of energy from taking a shower. Me, I take a shower and I've got to sit down for 20 minutes because my heart rate went. I'm not saying you're not different. I'm not saying you don't have issues. But if we're immediately, I'm just like kind of, when I see people like find these things, I can't think of another example off the top of my head. But like when you have the talking around the spoons, it gives you an easy out.

40:29it allows me to advocate for myself maybe or so like on days that I work I don't plan things after because I know I'm going to be dead tired I know I'm going to get home and eat dinner and fall asleep like because okay spoon theory was originally coined in 2003 so it's not that old and it's just by one lady's essay called the spoon theory who had lupus it is not scientifically backed in every way whatsoever. And it is not acknowledged by any scientific body. I never said it was. Yeah, then if that entire community is talking about spoon theory, then they can fuck off. I only care about, I only care about science, right?

41:09Because if we're starting to use - You don't care about people, you only care about science. Science can actually help people, not just like, oh, I have a spoon. You mean like the medications that I'm already on by my doctor? Sure, yeah. Like I take daily NSAIDs and daily gabapentin. But if we lean back on this thing that is called spoons. It's not leaning back. I'm so sorry to yell right in there, but you are so frustrating me. Because you just don't have an open mind. What? An open mind? I just try to be real world, right? And this isn't based in anything other than one person who wrote an essay.

41:43And thousands of people who deal with discounted amount of energy. Thousands of people who read her essay, but there's no scientific analysis that's ever been done on it. I mean, okay. I don't think you understand the point I'm trying to make. I'm not trying to— I don't think you understand the point I'm trying to make. I think I do. Is that I budget my energy just as everybody should. But because I have a chronic illness, my budget is lower. And that's okay. It is okay. I'm not saying it's not. I'm not saying you don't have difficulties. But what I often see on this show is a lot of people find ways to group their excuses into different terms and different analogies or different tools.

42:24and then they use them as justifications. And if I'm being honest, spoons sounds like it. You're using it. I'm all out of spoons today. I don't have to do this thing. Oh, you're being discriminatory because I'm spoonless? How dare you? It's like if there was something scientific backed. I don't understand what you think I'm excusing. Based on our last conversation, right? Which is the only time we've ever talked. Yeah. Outside of this. there was lots of trying to get out of the real world, get out of having to actually make progress, getting out of having to have a boss, getting out of having to do a lot of things.

43:02I'm glad you ain't got a job. I want to celebrate that with you. But when I immediately start hearing these exit paths. Exit to what? I still show up to work. Exit to excuses. Excuses for what? You said you couldn't clean after work, you know, visiting your dog 30 minutes away. Yeah, that's my house. That's my personal stuff. I, because I go to work, I do my job. I'm good at my job. I don't know why it's a problem that sometimes I can't clean my house. Sometimes I can't drive to spend time with my mom or my dog. Well, because that's one of the reasons that you couldn't always work more than 32 hours.

43:45Uh-huh. Which doesn't matter. So that's the problem, not the actual cleaning itself. I still get full-time benefits. I still make enough money. Well, I don't know. Is this enough money in Sacramento? Yeah. I mean, I have an extra like maybe$500 a month. And so I've been paying a lot. After what? After my expenses. Yeah, definitely still some bullshit in here.

44:13And I've been paying forward. Besides the weird mobile deposit that definitely offset the numbers because payroll was$2 ,800. Maybe you had like a super pet sitting thing. No, I don't think so. What weird deposit? There was a mobile deposit of$3 ,620. That was a reimbursement from my car insurance. Ah, if it wasn't for that, you would have dramatically overspent last month. Because I paid like an extra$1 ,000 towards my high interest loan. Yeah, so I mean, that's what's concerning to me is just, you know, kind of how on the edge we are. And if I'm looking at your budget, you know, if we're saying we have extra, but there is still hundreds of bullshit spending.

44:48When it comes to dollars. You want to tell me what? Well, we'll go through the documents and go through them. But category-wise, at least BS, food and miscellaneous BS, for sure. Okay. Hundreds of dollars of it. But, again, I'm not, I do, I want to be very clear that I am not saying you don't have anything at all. I know you get fatigued easier with your disorder and everything. I'm not excusing that, right? That's just, I just, maybe this is my cuntiness. I like to be more scientific. Okay. I like to be more doctor-y, you know? Doctor-y, not things that were in an essay once that we can use as justifications for not doing things.

45:27For not doing unnecessary things. I still do the necessary things. Right, but always working 40 hours a week? 32. Always working 40 hours a week would be great instead of 32. For why? If it makes me have to call out like twice a month because I'm working too much and my body just won't get out of bed because I'm in so much pain and have so much fatigue. What are the solutions that your doctors have given you? What does the rest of life look like, right? Like what does it look like from here? I'm not 100 % certain what you're asking. So like what kind of treatment are my doctors putting on? Treatment, are you expected to get more tired earlier, even quicker going forward?

46:18You know, like what is your prognosis? My prognosis is not great because it's a degenerative thing and so it will continue to get worse. But that doesn't mean that I'm incapable of being a part of life, being a part of society. Yeah. When will the state of California see that as a viable disability? I don't know. I don't really care. Well, money's important. And if you can't work, then, you know, that's important. Why have they not? And your best guess, because obviously you know more than I do when it comes to you applying. Oh, come on. Yes, but you can at least have some assumptions as you've gone through the process why you were denied.

47:06I am not the state of California. I'm not you. So you are in this more than me. Okay. So the question is, when do I think that they'll... Why so far have they been denying you since 2019? Six years. I won't say that it's a lack of knowledge. Because I think there might be a little bit of that. Because Ehlers-Danlos Syndrome is one of the rarer genetic disorders. and so people don't really realize how detrimental it can be to your life. It's an invisible illness. Invisible illnesses are still, invisible disabilities are still disabilities. Like somebody doesn't have to look disabled to be disabled.

47:58No, no one's saying that. But yeah, I just wanted to know why you think you're denied. I said last time because I wasn't disabled enough. Okay, which is fair, right? Because you clearly can go make money. You also don't have to have a physical job. So why should we subsidize you? I'm not asking for subsidization. Well, when you were applying, you were. Uh-huh. And that was years ago. Well, since 2019, but even in the future. Now, if you get to a point where you literally cannot work, including a desk job, then I 100 % want us to take care of you. Okay. Absolutely, 100%. But not based on spoons, based on we know you can't do work.

48:35Okay. You clearly show that you can even do physical work right now. For now. For now. Yeah. But even still, you'll be able to do desk work for a long time. I'm sure there's many people in your position who live very fulfilled lives with fulfilling careers. Probably. Okay. So I want that system to be there if you can't do anything. Uh-huh. You're proving you can. So I'm glad you were denied. Uh-huh. Okay. Right? Sure. Aren't you? I mean. Because that would be a flaw. I'm glad that I was pushed into the position of... Adult.

49:13Push into the position for what? I've been adulting since I was 16. Push into the position for what? I was emancipated at 16 years old. I've ran the streets since I was young. Streets killed me. And I lost my virginity at 13. Should we have competitions? I'm just saying that I know how to... Round of applause for 13, people. Come on. Like, what the f*** are we doing? I was busting nuts at 13. Aren't we excited? Congrats. Thank you. Um. I'll be honest, it was a little gay, but. But I moved on from that. Right. You know what's more expensive than holiday travel? Your phone bill. And if you're still paying hundreds of bucks a month just to text your mom, I landed, then we need to talk.

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50:31Plus, you can earn rewards called cloud points to spend on places like Amazon and Apple just by using your phone. So ditch the holiday surcharge and get connected for less or nothing at all. Download Helium Mobile today at HeliumMobile.com. Let's get back to the episode. Remember that doctor's appointment you were supposed to make like 11 months ago? Yeah, the one you said you'd handle after the holidays. Then something happened, then summer, and now it's peppermint latte season again. and you're still dodging that dentist. ZocDoc makes it stupid easy to knock this off your to-do list before the year ends.

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51:37That is Z-O-C-D-O-C dot com slash Caleb. ZocDoc.com slash Caleb. Let's get back to the show. Just a teensy-weensy big A. But the... What were we talking about? I don't really care. Well, no, no, no. That I've been adulting for a long, long time. Good. And I said that to fuck with you, so it doesn't matter. So as far as being pushed into the position of having to return to hospital and being able to have that opportunity to discover what I can and what I can't do. Well, here's the other thing I'll say about the disability before we move on and start getting into the numbers here. You also specifically said even if you can't work this job in three years and you don't get into the job you want to get to.

52:25I don't know if we should subsidize you and pay for your life because, and replay the clip right now. Where I just hate my job and don't want to go to work every day. Yeah. Yeah, that. Well, I mean, adults do adult things every day. You said earlier in this conversation, when it comes to doing an accounting job, it's like, well, I don't want to show up to a job I would absolutely hate, so we should pay for your life instead. That doesn't seem fair. you're projecting into a future that hasn't happened yet that nobody knows right but you have limited to approximately three that I have hope that I can get out of it yeah so that I don't destroy my body and end up in a wheelchair like my doctor said is likely okay I hope that too but you can go work at desktop I can get you an accounting certification through course careers you can do accounting we don't have to do accounting you can do a lot of things but I'm saying you can let's do things that give you more longevity, also a fulfilling career that isn't being subsidized by the taxpayers because you don't need it.

53:25Which doesn't have to be accounting. I just said that. Doesn't have to be any other desk job. It can be, well, desk job, as in like, it doesn't have to be outside of Vet Men. I don't know why you're pushing that so hard. It doesn't have to be. We just know that those ones are a little more limited. You're really locking yourself in a very, very small window we're trying to shoot through. As does anybody with a license in a specialty career. Yes. So I don't see the problem. So maybe we can broaden our horizons. That's all I'm saying. Because I want to give you the best chance for a shot. Okay. You're not giving me anything.

53:57What? You don't give me the shots. What do you mean? I give me the shots. Well, I can get you free certifications in lots of career fields. Absolutely. But I signed up for the accounting and I was like, this is not. You did sign up for it. Uh-huh. And I did zero of it. Well, that's. Because I knew that wasn't. Okay, so you were provided the resources. Uh-huh. Because I knew that wasn't something that I wanted. And so instead, I went on to Indeed and applied for RVT positions, being honest that I don't know what I can do. I don't know what I can't do. I'm just saying in the future, I want to make sure we have a lot of openings, right?

54:32In case we don't land where we want. Last time your hammered financial score was a 1 out of 10. What do you think it is today? It was a 0.5. It rounded up, I think. Okay. At the end, it said 0.5. I watched it again last night just to recap myself. I haven't watched it in a year. I haven't watched any of your episodes since I went on here. They're good. You should. What do you... Why? You're here. Because you're an asshole. Why are you here then? Because she said she wanted me. She does. So do I. So does the audience. Of course I'm an asshole. Yeah. That's the show you applied to me on. Uh-huh.

55:05But that doesn't mean I have to watch it. No, but you should. It's really good. But I don't like watching people be made fun of. I don't like watching people be looked down upon or told that they're shitting for what they've done. Well, people are shitty for what they've done. Yeah, but that doesn't mean I have to watch it. I look for the best in the world. And that... You're really going to cry about that? Yeah. I have emotions. So sorry. I'm sorry. It's just like, I empathize with almost every crying in financial audit history. But when it comes to you not watching a show, I have a hard time.

55:41Well, because you're like, why? Why? And I'm like, because I don't like negativity. Well, also, I'm continuing to f*** with you. You take it very seriously anytime I try to push your buttons a little. Okay. Like, I don't care if you watch the show. It's fine. Well, I mean, I'm just being honest about the fact that, like, I don't like negativity. So why would I watch your show? Well, tens of thousands of people have improved their lives and many people from guests on the show as well. So there has been more positive than negative. The show is a roast fest with lots of gooniness, 100%. and that I don't want in my life.

56:17Right, but the positivity afterwards has been well documented. The part that you don't get to see? No, we document it every single year. We do an annual report every year. You'll be included in it if you send us your numbers. Okay. I don't care. Okay. Well, you're the one crying, so I assume you did. Okay, so... I told you last time. What do you think your financial score is today? probably like I mean I still don't own any real estate I still have my retirement accounts that I've continued to add to one of my checks so I had a rollover check from my I'll be honest this isn't a score but uh huh I have more things to say am I not allowed to I was hoping for a number but you can keep going you say to jibber jabber so here I am we don't even going to need to tell you to do that.

57:15You got that on your own. Some people have a hard time. I had a, well, I just don't want to forget to bring it up, but I had a rollover check from last year's job that I tried to deposit into my personal retirement fund. And apparently the check never processed, but I didn't know until I went to the account to tell Lindsay about my retirements. And then it was like, hey, by the way, your$5 ,000 check never went through. And so now I got to figure that shit out. Just another thing on the list. So what do you think your financial score is today? I don't remember the parts of it. Spending within your budget and what your budget should be, your debt, your retirement, your real estate.

57:59And now that it's not in front of me, I'm...

58:04Debt, real estate. Oh, emergency fund. so I do have a savings account now now it's all aggregated what do you think of scores? maybe a one and a half two, I don't if you want your Hammer Finance score, it is free at calebhammer.com, go ahead and take the assessment see where you stand in the world of finances, where you're doing shit, and where you're doing good what you need to improve, we'll give you a path as well at the end of it, so go ahead and take it it is free, and if you don't want to be like a guest who ends up on this show one, don't get a genetic disorder and two, download the dollar DollarWise budgeting app.

58:40It is my preferred app. It is what I use. It's what all the guests use. It's what tens of thousands of you use. New features added every single month. It is incredible. DollarWise.app. Take the free trial. See if you like it. If you do, you can sign up for the annual version to save a lot of money. And I will send you my budget-friendly cookbook signed by me, mailed directly to you when you sign up for the annual version. I don't know. I looked at that. There's a lot of food. Food that I would not eat. But that's okay. It's budget-friendly. It's not like, it's not a filet mignon, you know, it's budget-friendly meal prepped.

59:11It's a lot of the crunchy, like, chickpeas and lentils and like, like, crunchy little healthy foods that I don't, I don't have pasta. Which is budget-friendly. Okay, so affirm. Affirm. Yes. I have two non-interest, two no-interest affirm things right now. Uh-huh. One of which was my flights here because I had the money to pay for it, but I did it like why when you can zero interest and have more money in your account. Reasonable as long as it's actually taken care of. Most people that have come on the show and you've been on the show are usually indicative of not a credit card person. That's kind of considered in that.

59:54But that's kind of considered in that as well. But if you're accurately managing it, I don't have a huge issue. but$350.97 is what's owed with monthly payments of$116.99. I think those are every two weeks. Oh, that's not good. But, I mean, like I said, I had the money in my account to pay for it in full but if I can break it into four payments. You do that often? Can you pull up your affirm for me? Yeah. So, minimum monthly, so, you know, paid off in a month and a half but$233.98. I was going to put my hair up but I'll wait. Affirm. Oh, they got a new little app icon. Do, do, do, do, do. Okay.

1:00:39There you go. Have it. Feel free. Wait, what the fuck? No. This doesn't make any sense. Why? Well, because on here it says total balance is$350, but on your phone it says$2 ,733. Yes, that is the first one. Oh, shit on my fucking dick. Which I also have enough money to pay for fully. But if I can break it into monthly payments with 0 % interest. Oh, fuck. Why not? Yeah, because it just puts us in a risky position when something happens and all of a sudden you don't have the money, which happens all the time. Like, uh-oh, tent emergency. Yeah, the tent is a whole thing. It's supposed to be my storage while I'm...

1:01:19Your tent's your storage? I have a storage unit for the stuff that I don't use on a daily basis. Uh-huh. But for like my clothes and my... So the ticket was a part of it, but what is Carmen Salazar? Because that was not us. That is a photography studio. I know you're going to make fun of me for it. Oh, f***. Uh-huh. Because I'm not worried about a$233 plane ticket that gets reimbursed. I am concerned of a$2 ,500 f***ing photography. Uh-huh. Uh-huh. Please tell me. Just like last year, it was my birthday. You don't get to have birthday things. I do. Never said that in the history of ever. You did.

1:02:03You said it last year. Well, it's contextually. I don't give a f*** about your birthday if you're dying in death and you have no future. Okay, but I'm not. Continue? So... When you put it on debt, your total minimum payments are now 500 for both firms, but please. Which one of which will be ended in two weeks and the other... The other 10 months. Yeah. Which gives you a lot of room to fuck it up as someone who has fucked it up a lot. And hopefully this new hire is not a replacement. They're not. I'm hoping. I'm just hoping. There you go. So yes, the photography studio for what? For my... Was it a septum piercing photo shoot?

1:02:44No. Why do you like to make fun of my septum piercing? Because everyone loves to make fun of everyone's septum piercing. Why?

1:02:54Zoom in on that That's why

1:02:59Okay. So what was the photo shoot? Give me words. Why? What was the photo shoot? Because every single person with a septum pyrocynics, except for a small minority, are the same. I don't want to use these words with you because you have issues. I have it. Okay. Crazy bitches online that cancel everyone and go crazy and are weird. Not saying you are because not everyone is, but that is associated with it. I'm not even online that much, to be honest. Thank goodness. not social media is a fault dude photography photo shoot photography photo shoot it was my 30th birthday and I did that this year uh huh I did not spend$2 ,500 congratulations thank you I just wanted to see if it was associated with 30 and I won a like a a package a photo shoot package which was the wait how did you win it I applied.

1:03:59It was a giveaway for Healthcare Heroes. We've had one of these on the show before. I've had one of these on the show before. Okay. These are honestly kind of a scam. It is their way of getting the money but convincing you that you got a deal. You didn't win anything. I mean, 800. You didn't win anything. They got, they won. They won. You thought you got a deal. It's like walking into Target and you see 30 % off, but it's always that price. Right, but it's not. Like you can go online and look at their pricing. And everyone's always winning, I know. And I got like$800 off. Anyways, it was an opportunity.

1:04:40I never thought that I would get it or win it. Pay$2 ,500? No, shut the f*** up about that. Let me finish the story. Okay, okay, tell me, tell me. So I applied because it was Healthcare Heroes and I feel like veterinary medicine is never included in that. Never. Like, there's a lot of companies that give nurse discounts or doctor discounts, and veterinary doctors and veterinary nurses never get included. And so I applied for shits and gigs, just like this thing. Applied for shits and gigs. May I say it's because the other ones are saving humans, and I love dogs oftentimes more than humans, but that's why they're celebrated.

1:05:18But please continue. You know what I didn't realize when I left my last job? that my 401k didn't just magically follow me. It just sat there, literally doing nothing. Like me during tax season. And it turns out 25 % of all 401k assets are forgotten. That's a quarter of retirement savings just abandoned. Why? Because rolling over a 401k is a nightmare. Call your old employer, dig through paperwork, maybe even fax something. Nope. That is why I used Capitalize. It is a concierge platform that finds your old 401k, helps you open or connect an IRA you actually want, and then rolls everything over for you it's like having someone do your financial chores but without judgment it took me five minutes no stress no digging and now i actually know where my retirement money is and that's a win so roll over your old 401k today hit the link in the description or go to highcapitalize.com slash caleb your future self and your net worth will thank you that's kind of stupid i'll be honest but what's not is actually getting a checking account that gives you free money.

1:06:18Free money. We like free money. You can get up to$350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, 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. Sign up for time. Get that$350 right now in your checking account. Okay. And we have the same knowledge, but on several species. And we do way more than the nurses because we're both the anesthesiologist and the radiologist and the phlebotomist.

1:06:59I love them. I'm just saying why they're likely prioritized and celebrating. So I did a lot of thinking and like, I didn't just jump into it. It was where I won and I took several weeks thinking about if this is something that I want to do. And so because I've had photo shoots in the past during a manic episode, I wanted to kind of replace that memory in my head. And I think it did a lot of good for me. And it's something that I'll have forever. Yeah. What did you get for, well, 3 ,000, it wasn't 2 ,500. What What did you get for$3 ,000? 31 images.

1:07:44Shit. Can we get Madison in here? Who is Madison? A photographer. Oh, okay. A professional photographer.

1:07:55And what kind of images? Doesn't matter. Kind of. I mean, he spent a lot of money. It doesn't matter. It kind of does, but I guess we don't have to answer. 30th birthday images.

1:08:14Oh, birthday. Birthday suit. Tiny fraction. Oh, really? Mm-hmm. On that OF journey. We love it. I'm kidding. I'm kidding. I'm kidding. They are for me. And that was the other thing, is that when I had my previous Manic episode shoot, like, that wasn't for me. It was for my partner at the time. And this one, doing this one, while being chosen single, while I've gained 60 pounds since my last photo shoot, like, I have a whole new body that has carried me through so much. Like, yes, I'm going to cry again. Wow. I'm just witnessing. That has carried me through a lot of things. And so I wanted to celebrate that.

1:09:04And what, like, it's, I'm in a dress and... Hi. Madison, professional photographer. Yes. Hi, you're so pretty. Thank you. Yeah.

1:09:19I'm just letting it out for a second. Okay. She is bi, so... I'm not hitting on her. If a guy said that, everyone would say it's hitting. That's all I'm saying. I'm celebrating your beauty. Thank you. So she won a package online, and the one got her down to a unique discount that no one else gets for a photo shoot for how many pictures? I never said it was unique. How many pictures? 31. 31 pictures for$3 ,000. That's crazy. That's crazy? That's crazy? Is that, how not great is that? Well, it sounds like a marketing scheme. probably she works in marketing by the way yes yeah and I knew that going in because it's the same thing that happened with my last shoot but it's still oh are you the one that that happened to the one that I remember no do the pictures turn out good though do you like them I love them they're nude I sent some like three of them are nude can you chill what she gets so offended by everything the other 27 are in a dress or in a tank top and shorts.

1:10:30Like, it's not like it was... How much would you charge for that? Usually, like,$3 ,000 is the rate for, like, a wedding and you get, like, an album. And it's on a full shoot. Yeah. Like, a full... Like, they had a bunch of different backdrops. How much would you charge for this? I don't know. I'm pretty pricey, so I'd do, like,$1 ,000. Wow. All right. Thank you, Madison. W Madison. We love Madison.

1:10:55Why do you get so upset on everything I say when I'm clearly just, like, giving little mmm when you're clearly just being the talent of the the talent yeah you're an internet personality well yeah the channel name is my name yeah that's yeah we want the show to be interesting and that is my personality okay I don't get it but that's fine cause just like last time you were like I'm doing it for the cheekiness of the show I like yeah I play into my cheeky personality but it is my personality because you're an internet like Like that's how you make money is by being an extra like pushed version of yourself.

1:11:36Kind of. I mean, especially in this conversation where honestly I'm very toned down. Well, that actually saves them a lot of money. Okay. Well, it's 25 cents a serving instead of stopping in a gas station and getting a$4 energy drink. It saves a lot of money. Okay. So I get money. They save money. It's a W across the board. Okay. I don't know what the issue with that is, but I'd say I'm actually hyper-toned down this episode for sensitivity reasons for you. Oh, because I cry? And a lot of other things, but yes. But I'm hyper-toned down, and I'd say I'm even more toned down than I am when I just have a normal conversation with these people.

1:12:17So not much is played into for the show. Okay. Last year you said it was, but I understand. I was trying to make you feel better because you were like freaking out. I had a panic attack. Exactly. Because you were a dick. You brought up something that had nothing to do with my finances. What I didn't know was a trigger. And now you do. Now I do. But I didn't know. I mean, I get anxiety attacks all the time. It sucks. I get it. But so that's why I'm being extra sensitive for you. And I'm being more chill than I am in normal conversations. And I probably said things to help you cope last time. I appreciate it.

1:12:57Uh-huh. Of course. What's that strap, by the way, I'm noticing? That's my heart rate monitor. Does it do a wee-woo if you're dying? On my phone, yeah. That's not good. Is that good? Because if I had that, that would just make me always check, which would make my heart rate go up. It doesn't. Okay, well, that's good. Because me, with my panic disorder, I'm hyper-focused on my heart rate. So it's like I just can't look or else my heart rate goes up. It's something that I check a couple times a day to add, to like see if something that I felt took a lot of energy actually did. Why do you want to know that or need to know that?

1:13:39So that I can adjust my life accordingly so that I don't spend as much energy. So it's a spoon monitor. Yeah, in theory. And it further enables the, huh? It's called Visible. And so it's... And why not an Apple Watch? That does so much more. Because it doesn't. Apple Watch only monitors every three to five minutes. And this one is constant. Oh, I just meant like there's a lot more things it does. Okay. I don't need the other things. No, you don't. And then this one also has a like algorithm, I guess. No, I mean, sold to me. I purchased it. So, yeah. Yeah, but like where? Where did you see this thing?

1:14:22It's been pushed on my Instagram for years. And how much did you spend on it? It was like 250 bucks. Oh! For a constant heart monitor. That's wild. A program that tells you that you mark your symptoms and what you did that day. That would fuck with me. And it took your medications. And then it translates it all into a spreadsheet for your doctor. So you can say, hey, this is what my heart rate looks like. And this is where I need help. Does this not enable self-diagnosing? I'm asking genuinely. Does it not enable that? Because it gives you so much to work with that you can then look into things, research things, and like, oh, I'm this.

1:15:11I have this. Advocate for yourself, you mean. Fuck. Is that what we're calling it now? Your fish tank, I don't know much about fish, but it looks dirty as hell. Can I advocate for that fish tank? It's not dirty. Okay. It's not dirty. It's not very well planted. Okay. What's dirty? The dirt on the ground? Because there is dirt on the ground. Maybe it was more when the light was off, but everything looked real algae. No. It looks much better with the light on. A little bloom right in the middle, but no. It's pretty chill. I mean, more plants would be good, but it has great numbers across the board.

1:15:47So it's okay. Numbers across? What do you even mean by that? When you test the water, make sure it's safe for the fish. Oh, see, I told you I don't know much about fish. But... Vet tech. Who doesn't work on aquatics? I'm f***ing with you. My goodness, you're triggered so easily. Look at you. She's so... She's about ready to kill me with that. Ow. Come on. Like, I seriously meant that seriously. Like I thought you would be doing fish surgeries. Come on. Some vet techs do. It's crazy. I know, but like I thought you did. I know you couldn't hold down a fish for 30 seconds without your spoons going to zero.

1:16:23Come on. Okay, tell me what this is. We got to keep going. That is Thousand Trails. Oh, yes. This is our 17 % interest loan. Which last year you calculated as 22. It's not as 17. Well, if you were able to provide documents last year as requested, I would know that. We do the rough math the best we can. Best thing we can do is actually have statements as the emails request. I do my best. Well, no, you did your best this time. I looked for that last time. So I did my best. You used two spoons instead of one this year.

1:17:09Sorry. You're such an asshole. What? I'm joking. Do you never have people that just like go back and forth? Do you not have friends where you guys just like do little jabs? We're not mean to each other. Oh, that's not that mean. Doing little spoon jokes? No, because it's a real thing that affects my life. I would do sister jokes if you're a lesbian. Which would also be offensive

1:17:37Oh, okay, that just means you're kind of a baby Okay If you get upset at scissor jokes Right? That's very Sacramento of you I don't even know what that means That's also a joke California, whiny, crying, sensitive Okay In the bedroom, are you a little spoon or big spoon? Depends Not that that is necessary for a financial show. Financial show? This is a goon show. This has been rebranded as goon. We're in the goon sector. And the goon ad rates are at the top of the board, lady. What does that mean? Never heard of gooning? Well, like being a silly goose. That's how we use it. That is how we use it.

1:18:29But it actually means permanent masturbation without end. No shit. That's crazy. That's wild. Yes. You said you were a gooner in the green room. What? You said you were a gooner in the green room. That I'm a silly goose. That's how we use it too. I'm a silly goose. That's how we use it too. You're silly up to a very low threshold though because then it gets offensive. And we can't do that.

1:18:55I could do a blonde joke too. I don't know if those are off limits these days. I mean, they're not real, so.

1:19:05Do you think that people with blonde hair are all the same? I don't know what you get offended to or not. I don't know. You have to poke and prod until you find out. Sometimes with people from Sacramento. Or people with big hearts. No, no, no, no, no, no, no, no, no, no, no, no. In fact, I would say the people that get offended the most are usually some of the worst people I've ever met in the entire world because they hold everyone to the purity test and they destroy people's lives if they're not 100 % perfect in every way whatsoever. Holy shit. And they eat people alive and they act like they're kind online and then in person and in real life when it comes to actually helping others, they don't do shit.

1:19:42And those that are willing to actually joke with each other and who have open minds and who are willing to be fun and not care about every little thing that a word is said, actually stand up and stick for people when real shit matters and it comes down to it. That's what I've noticed in the real world. Not performative weird motherfuckers. Not saying you're one, but usually those type of people that get offended by everything are. They're performative, they virtue signal, and then when it comes to actually stepping up, they do nothing, except maybe they went out and protest one Saturday. Yippee for them.

1:20:14Okay, so campground, right? Mm-hmm. And I've paid an extra, like, $3 ,000 to$4 ,000 on that this past 10 months? Yeah, I love that. It's gone down from the original$8 ,860 to$3 ,165.30. So I could technically pay that off right now, but I... Could you do all because you could pay off the last one and you can pay off this one. Could you do them all at once? Because then it no longer matters. Excuse me. That offended my senses. I demand an apology. Now I have to breathe that air. I did say excuse me. So there's your apology. Yeah, but that was an unconsensual excuse me. I'm not forced to excuse you.

1:21:04Okay. Haven't we taught consent in California?

1:21:11So I could pay them both, but that wouldn't be wise for my emergency fund type of... And then we'll look at that at the end and we'll kind of look at what the best thing is. And there's no point in paying off like... Well, this is 70 % interest, I would say yes. But I meant the affirmed, the 0 % affirm. As long as it's actively managed. It is still a risk though. Especially when you're in a more volatile life like you are. Having any kind of level of debt is an extreme risk. Because that shit can come due or it can face penalties or it can hit your collections and then you're... Minimum fee payment on that is$200.5.

1:21:50cents. And then what does this thousand trails thing? Because this is different. That is the annual dues. So that's only once a year. Right. But I wanted to include that because you talked about dues last year. Well, when is it due? You can pay monthly on it. That's the most recent statement that they gave me. It's from... Is this monthly or is this the annual? No, that's the annual. So the 635 is annual. Yes. Do you owe that right now? No. I don't owe again until June. Okay.

1:22:26Ah, yes, the car. So, didn't send a statement for this one. Well, I did send a statement for my car. Oh, perfect. Okay. I have it right here. Subaru! 5.19 % interest rate. Not horrendous. But we do owe, which by the way, I mean, I'm glad you have income now. But even, I mean, even with this income, I couldn't even imagine before. This is an insane balance to have at$18 ,759.31. Minimum of the payment,$502.83. That's also another thing. The 0%, if we think about the 0 % that we're doing, you stack that along your other debt, then you stack it all up and life becomes less affordable on a monthly basis because you just really hyper build up your minimum of the payments, which is more risk.

1:23:11So even with 0%, I wouldn't necessarily advocate for the, especially since it's not a photo shoot. It wasn't a necessity. It wasn't anything that was actually other than a want. Right. Like, hey, we got to take our top off. Like, woo. You really are honing in right on those three images, aren't you? Yes, because when there's a couple interesting elements in a conversation, yes, that is what I focus on. That is podcasting, as they say. That is entertainment, the talent. The talent. I've never thought of it like that, but I appreciate it. I just started a show. That's it. But thank you. Yeah, and even when I was unemployed, I still never missed a car payment.

1:23:51Yeah. So I'm the queen of making shit work. I'm just saying what's risky because even with the 0%, especially on things that are not beneficial in life anyway whatsoever, are really stacking up because now we're already at$1 ,200 minimum. Now you do have an equity position in this car of about$3 ,000. I do like that. But we had the discussion in the post show last year about how like it's not a smart move for me to get a different car. Maybe not. And I might be okay with that, you know, depending on a few things. Now you have a closed Apple card. Is it in collections and 8 ,593? I think it's in sort of collections.

1:24:27They closed it, but they - Internal collections first probably. Yeah, but we talked about that last year. It's just, it is what it is. It's, it'll get - Is there a minimum monthly? No. Oh, it's in collections. Okay. No. Yeah, none of the stuff on here on my credit report besides the auto finance is something that I am paying towards. So still owed on the Apple is$8 ,593. And then we have two additional collections. Oh, I forgot about that. Yeah, the Costco suing me, which I haven't heard anything about since. Well, they still might come. We'll see. Excuse me. Bruh. I had a carbonated beverage, okay?

1:25:06But when I burp, I don't always audibly burp. that's interesting and then your additional collections stack up to 2 ,000 23 ,000 oh the things I want to say but I can't sigh why can't you? is it in relation to something? yeah and I'm following it yeah cause this has everything to do with that no but it does have to do with how you projectile air wow Okay, student loans. And this is for vet tech, right? Yes. Okay. That is for my associate's degree. Made a payment in 2023. Okay, so this will end. I don't know what that means. What will end? You not having to make a payment will end summer of next year.

1:25:54Okay. Then you will have payments owed, which once you get on a repayment assistance program plan, the RAP plan, the Trump administration's new plan, You would probably be at about 3 % to 5 % of your income, maybe 2%. So, okay. Okay. I don't know what that has to do with me right now. Planning for like nine months from now, it's very important. You say you don't get anything and then I try to tell you what something's going to be like in your near future and then you just don't listen and it's like, okay. So student loans for now is that you don't think that is important information? How your life's going to look in a few months?

1:26:37I think it is. Especially when you're taking out more 0 % debt, which stack up minimum payments. And now you're about to have one forcefully added to you or else your wages will be garnished. I don't know what you're looking for, Caleb. Well, you can acknowledge that that's important. It'll be important then. Yeah, I would plan what I'm doing with my life now based on what's coming. Because who knows politically what's going to happen? I do. Trump will still be president and he will still have the Department of Education in his administration, the head of the Department of Education. There's a lot of things that he's done that we didn't expect.

1:27:11Okay, I'm sorry. The repayment assistance program was passed through the law. Remember BBB? I don't. Well, if you don't follow it, then how can you even potentially try to speak on it? I'm sorry, but no. Like this was passed into law. That is the new student loan repayment programs. Okay. This is coming. I want you to prepare your life for it because if you're adding more 0 % debt, which isn't inherently a bad thing necessarily, it is consensually driven and it will make it harder for you to make a minimum repayment on your student loans. After a few months of not paying them, they will go into default and they will garnish your wages and that is not consensual.

1:27:48And by then, a lot of the other monthly payments will have fallen off. Okay, she doesn't. Okay, great. Wonderful. I'm just trying to tell you what's coming. I'm not saying it is bad that you have the student loans. Yeah. When I went into my retirement account, it wouldn't let me pull up a statement for one of those. It let me pull up a statement for the other one, though. Okay. So total retirement, what's it sitting at today?

1:28:14Like 20, maybe? Okay. Yeah. Definitely behind for your age dramatically, but I'm glad you have something. It is sitting there and it is compounding. I did spend five years out of the work field. So. Yeah, by choice. That happens. That's my check that didn't go through that I didn't know about until. Is this included in that 20 that you gave me or is this now 25? So it's 25. Yeah. In retirement. That's good. That's even better. Well, once I get that figured out. Yeah. Savings account three. So you couldn't pay off both debts together. Why? When my checking also has. Oh, okay. Our checking account has 6 ,000.

1:28:50Oh, wow. Yeah,$6 ,000. But that comes with a lot of spending. Which, PetSmart, which you know, you do have cats, but it is, you know, PetSmart. Uber Eats? To the trailer? No. To, probably to a house-sitting place. Where I was getting paid to. I bet those houses have refrigerators. Amazon. A pet hospital, that's fair. A firm. McDonald's. Ubering. Apple. Uber. More pet hospital. Oh, the Uber was because my car was in the shop. so I had to get there. That's another reason why I don't want to have minimum fee payments, right? Or zero percent in debt because things like that pop up. The$4.50, the car in the shop pops up.

1:29:31Apple bill, Uber Eats, more pet, Amazon, Walmart, Dutch Rose Coffee, Chewy for the dog, or cats, Chewy for the cats, Craigslist. You posted something on there. Yeah, my Craigslist auto-renews every month for my pet sitting. I get about 30 % of my clients from Craigslist. Uber Eats. Lawn is okay, obviously. Dutch Bros, Amazon, Aura Bloom, Uber, Dutch Bros, Fantras, violation? That's the Fast Track? Fast Track violation? Yeah. So that was last year I talked about a bridge toll that I hadn't paid because it was in my pile of mail that I hadn't opened. But I got that figured out. Yeah. Stadium, Garage, the Greek Amphitheater, the Greek Theater, McDonald's, Amazon Prime.

1:30:17And I've heard you spend like rounded up almost$3 ,000 on Amazon this year. So I want to take that up. If you can pull up your Amazon, McDonald's, Shake and Bake, Zellin' Out Money, Affirm, Kickstarter.com. Shouldn't be Kickstarter. You should be Kickstarter towards your debts. You're not contributing to other people's projects, just your own right now. And then you can contribute a lot in the future. Dutch Bros, Dutch Bros. That's already done. So it don't matter. Well, obviously we're talking for the future. Mm-hmm. Okay. Uber, went and got some bullshit. Apple, Apple, Royal Cane. Lots of, yeah, lots of animal spending.

1:30:50pet food. I know. But there was a lot of pet spending throughout. It wasn't my pets. I get a 50 % discount on prescription diets. And so if I have friends that have their pets on prescription diets, I'll use that discount for them and then they pay me back. All right. Let's see this Amazon. Amazon. Oh, and apparently there's some crazy shit that happened after the last episode with your sister-in-law. We're going to go through that in the post show, ladies and gentlemen. So We're going to go through our Amazon first. Which I'm just double checking real quick. And a friend on death row? What the fuck is happening?

1:31:30This is crazy. No, you remember my friend on death row. I do not clearly, but. Well, we talked about it, so. I talked, yeah, I talked to too many people. Yeah, I figured. Friend on death row, not friends anymore. So it doesn't matter. We'll go into that more. This is just my past three. No, I wasn't sending money. I was shuffling money. I can't find how to. I can. Okay. This is the past three months. Okay. Cool. And then starting screen recording, blacking out private information. This orange filter is wildly good on here. I have an orange filter? Oh, it's to cut blue light. Yeah. Yeah. Okay. Shower scrubby.

1:32:17That's good. She's clean. We're happy with that. Candles definitely don't need that unless the trailer's stinky. They are citronella candles. And I live on water at both sites. So there's hundreds of millions of mosquitoes. And I, like, even right now have at least a dozen. You got more dish brushes. Water wipes. Sensitive body. Yeah, that makes sense for you. Compression socks. That's okay. Toilet paper. That's okay. Wrist crackers. You know, it's not the end of the world. Body protective knee pads. I get it for you. Which I have to buy new ones of those like every two months. Lots of notebooks.

1:32:49No, it's because I got the notebooks delivered and there was nothing in the package. So the hammock is my favorite pastime. Great. It should be paying off debt, but money clip. There's lots of it in there because we're getting hammocks. Lots of things for the cab. I mean, this isn't the end of the world. The backpacks and some protective stuff for you. It's just a lot of stuff is the issue. Lots of cleaning stuff and toothbrush. But a stick thing for your steering wheel and thermostat or thermometer. Yeah, an ear thermometer for work. For the kiddos so they don't have to go up their assholes. But let's see.

1:33:30Okay, so$37 comes in because I need to just set aside$100 a month for taxes because you will have to file these pest-sending taxes by the end of the year. Let's get your debt minimum payments right now. I know it's quickly going to change with the firm, but that will be calculated into the formula. Your minimum monthly debt payments right now before your student loans kick in is$1 ,202.88. Now, utilities and stuff, that kind of goes into the annual fee. What's that annual fee? The annual fee that you just looked at, the$600. $600, and then something was like how much a week at another place? $350 for one week, but it's only one week a month.

1:34:12And you do that one week a month. So times that by 12 plus the 600, and then I'm going to divide that by 12, and we're calling it$400 a month for utilities. Is there anything else in utilities I should take into account? Is there internet? Is that included? It's on my phone. I have internet on my phone. Okay, so what's your phone bill? My phone bill is like 100, which is cut down by a lot from last year. Gas, vroom, vroom, drive, drive. Vroom, vroom, drive, drive. I can ask my financial app. Um, let's see. It'll tell me how much I spend average monthly. Average would be okay and acceptable. Average since, uh, or how about in 2025?

1:34:56And then let the little AI do its thing. Right. Okay. Um,$300 for groceries. Meal prep, meal prep, meal prep. Uh, and you also might be fucking lentils. $150 to the TP fund. That includes you, your cat, anything you need, anything you want. The more septum piercings you want that you can budget in, you can get them. Medical health care, co-pays. You got a lot of things wrong with you. Are you doing - Zero dollar co-pays. Huh? Zero dollar co-pays. I pay nothing for prescriptions. I pay nothing for business. Pet insurance. Are you doing it? No, but I do have a bundle of preventive care services.

1:35:26It's part of my corporation and I get it for free. So it's a - You get it for free. Yeah. That's great. So I get, Jesus, like - That's okay. $1 ,800 worth of free stuff. And then I get a 40 % discount on everything else. I'll do 30 for subscriptions. Car insurance. Car insurance is$260. And is that included on the trailer? Trailer is$400 a year, and I just paid that off. Okay,$400 divided by 12. We'll budget that in at$34.

1:36:01My belly hurts. Why? It says my overall average. I don't think that. Oh,$310,$200 to$400 range monthly with lower payments. Like May was$77. Okay, I'll call it$310. Yeah. All right. Anything else that needs to be in your budget that I need to take in account that I have not put in there yet because this is it? Probably. Things that I will allow? My storage unit. Oh, yeah, sure. How much? That's$100. Okay, one second. And we got my car payment. Yeah. Groceries. Eating out. No eating out. Fuck you. Pay off debt. It's only that I have. I'll see if I can budget it in. But I have a budget. No. And then, yeah, that's it.

1:36:58So, oh, life insurance, which is$35 a month. Why? I got it when I was 16. Stop. Why would I stop a life insurance policy that I got when I was young and healthy and now it'll be more expensive and less coverage? One who's benefiting it from other than you. Is it a whole life or is it a term? It's whole life. Yeah. Okay, really? The only people that you are losing to the market in every way whatsoever, if that money was going to the market. Two, the only people that benefit it from front are those who can borrow for it and have seen low rates instead of taking capital gains out, which are ultra-wealthy individuals.

1:37:33Whole life insurance is making no sense for the average person, especially you. I think they are. I don't honestly know. But you said 15 bucks a month? Like 30. But with that, it's something where if I die, my mom gets hundreds of thousands of dollars. So that's why I have that. Okay,$783.12 left.

1:38:01Okay. What? I'll contribute, no, not that much, not that much. $183.12 to food, to going out, if you'd like. In my budget, it's only$100. Okay, well, I'll do$183. Because you spent more than that anyway. But that gives you an extra$600 left on a monthly basis. And so far, 90 % of that has been going to paying off the high interest loan. Yes, and it should. 100 % of it should. So with the$3 ,165 on the campground loan divided by that$600, yeah, let's pay that off in about five months. Oh, it'll be before that. I hope so. Please do. Without playing from anywhere else, I don't know how you'd be doing that, but go ahead.

1:38:50I'm okay with the minimum fee payment on the Subaru until it's paid off. Same with the Affirm. I wouldn't stack up any more 0 % debts. Was not planning on it. I really would not do it. Before the thing, I had nothing. No more random photographers and stuff. Yeah, it was a once and once. And then from there, I'd save up a six-month emergency fund, which, you know, I got a couple thousand dollars, so it's$3 ,000. So I don't count what's in the checking because that comes and goes. And I saw that. You started lower, you ended higher. It's like, it comes and goes. But student loans we're prepping for, and you make the minimum of the payments until those are paid off once they start.

1:39:24And you will also start tackling the collections if you want better credit. My credit is like$650. Okay, that's not great. But what do I need credit for? Well, if you ever decide to do anything, like live in an apartment, get a different car loan, because who knows why? You're limiting your debt availabilities, but if you don't care, then don't do it. And then you start catching up on retirement. You can live 50, 30, 20 quite easily. 50 % on needs, 30 % on wants, and 20 % to retirement. You could totally do that. This isn't that hard of a debt payoff process. What? That's great. I know I could do it.

1:40:02I've been making shit work for a long, long time. Well, except, well, nine months. No, I've been. Okay, your shit was only getting worse when I saw you the first time. So I just don't want that to happen again. But again, even when I was unemployed, I never missed a payment. But again, even once you got employed, you spent immediately a full month's worth of income on a photo shoot. That was like nine months into employment. A whole month's worth of pay. Come on. We're talking about behaviors and where we're going from here. Don't pretend like you just got it together. I will say good job that the firm, well, it's actually not lower than it was.

1:40:42The campground's a little lower, but that's pretty much it. Nothing else has really changed. You would have made more progress if you were going harder, if you were following the budget we did last time. You didn't make me a budget last time. You said it was pointless. Oh, okay. Well, it's not pointless this time because at least you have a job. Because you're right. Last time, if you didn't have an income, how could I make a budget? So that's fair point me from the past. But now it makes sense to make a budget and you can get out of this. And a little more progress would have been nice, but you can keep going.

1:41:07Keep going. I think from being a projected 600 in November last year to making 1 ,400 in November, 1 ,400 in December without a job, job. Yeah, the job part's great. I'm more talking the debt payoff. Yeah, which the only high interest loan that I have is the thousand trails. And so, like I said, I've put thousands of extra dollars towards that. Yeah, a couple extra thousand, yeah. Yeah. Okay, Hammer Financial Score. Remember, join us in this post show before I give the Hammer Financial Score. We're going to talk about insane drama that happened with her ex-husband-in-law after the last financial audit and then also that money laundering scheme that definitely happened in prison.

1:41:50Okay, two out of ten for spending in a budget. That is because you're not overspending what came in. You are still doing Uber Eats when you should be paying off a 17 % loan or whatever that is, but it is still, it's not the worst in the world, but it is certainly not good. Debt. We have collection. Zero out of 10. Emergency fund. Happy to see$3 ,000 sitting in there. I'll give an extra point because there was money in the checking account. So four out of 10. And my savings account, I got the highest interest available. So that is a 4.2. Good. Yeah. Retirement. Definitely behind for sure. Where would I want you to be at?

1:42:23I'd want you to be at just about $54 ,000, maybe$60 ,000. So I'm halfway there. $60 ,000, yeah, which is a 5 out of 10. Oh, nice. In real estate, 1 out of 10. You're going to count me. Well, because you can get rid of that land and make money from it. And hopefully it goes up in value. Oh, got it. I mean, it's not like I don't pay towards a campsite. It's towards the thousands of campsites over the course of the United States. Yeah, 0 out of 10. It's a time share. I can't get it to that. for some reason I was thinking for a second you ought to plot and I I was wrong okay that's gonna be a hammer financial score up from a.5 to a 2.5 and that is the income just strictly income and the emergency fund so let's celebrate those those are actually really well done on that I'm happy to see the emergency fund the retirement and the income come in you should be proud of those things and you did make you know a little bit of progress on the campground.

1:43:24Of course, more would have been great. A lot more than I would have if I... Of course, if he didn't have an income shirt. But let's celebrate those things. Yay. Take those. Those are big Ws. More than Caleb losing his virginity. No, nobody. Well, that was more monumental and exciting, if we're being honest. And a lot more gay. Join us in the post show. See you there. Three premium shows posted every single day, Monday through Friday, 20 extra minutes of every financial honored episode. Let's fucking go. I'm surprised you didn't disclose you selling Oh, so slander She slandered you We're not going to say for what was slandered But she slandered you in an aggressive way Why would she make up something like that?

1:44:03Misunderstandings and hatred held in her tiny little heart Camera Elite is the best YouTube membership on the platform And I just upgraded it New dedicated premium shows every single day Monday through Friday Join with the link in the pinned comment or description below This is the best membership you'll ever join, and that's a promise.