Socialist Brat Thinks She's Entitled To Your Money | Financial Audit

36:27Boom. You joined Hammer Elite for free. Yes. Seriously, guys, there's thousands of hours of extra content there. You got two exclusive member audits a month. The ability to call into our new live show, which is also two a month. You just broke Lindsay's heart. No, that's not true. Honestly, Ashley. That's Lindsay for you. Weekly live streams. So, Caleb, what's your social security number? Caleb, I'm doing it. Three, eight. That is definitely going to get on your shirt. three two and every single financial audit post show plus member weekly videos it's crazy how much we have going on well i got so drunk i kissed a grandma in spain with that with only partial consent and then i ran off plus it really helps support this channel so let me pay for it for a month so you have the opportunity to check it out make sure you click the link in the description below or the pin comment below and i'll see you guys there and again make sure it's the middle tier hammer elite so that i pay for it this offer expires at the end of the month if this strike just recently started happening it was because of the fact that i don't get how that's but and you're normally paid direct deposit and this is a check yes it's not considered a bonus yes because our regular bonuses are four thousand twice a year who's getting sloppy toppy what is happening no i'm so confused no it was because so um such a weird way to do it how does the tax situation thing work with that do you get withholdings i would i get withholdings from my direct deposit the check right i would check not the check i would do that myself money it was because is it legal money 100 it's for health insurance and transportation so it's a it's a stipend i guess so we had our okay so our receptionist got let go and so you know obviously i think because of the fact that there was a little bit extra room in their budget did we see it yeah i i missed it on there okay yeah we have it okay i just what nothing keep it oh okay well that's what i was i mean that's just it is that i get the 1200 it just helps with other expenses that might relate taxes aren't withheld beforehand for the 1200 no so you owe taxes on that by the end of the year probably are you w-2 i am w-2 this doesn't make sense it's a mid-sized firm I don't know we pay everyone correctly here we're mid-sized small actually I don't know what the thought process was what do they call it?

39:02what is the term? my additional check that's what they call it? they call it my additional check and I'm not the only one that gets this in the office so it's not just it's not just me i don't know it it just makes sense because we have to also like pay for health insurance on our own and stuff so it's still technically employer pay but he didn't like there isn't a plan through the employer and you know for a fact taxes are not with health because that's the thing that's tripping me up yes i know for a fact because it's a like check that is written up and he signs and puts on all of our desks.

39:45So it's essentially a bonus. I guess you could call it that, but he doesn't want to call it a bonus. Because we have our own bonuses in the summer and in the winter. And they specifically say it's for health insurance and stuff? Yeah. Yes? Yes, yeah. When I told him when open enrollment happened, I was like, hey, this is how we do in the office. we say hey like this is what health insurance would cost and then you know it was pointed out that there are some tasks around the office that i had to pick up when the receptionist left so it would be erased yes but it's not seen as that on the direct deposit that's just how it was that's how it was offered and i there's maybe is this a blank in my mind or something i don't know all i can see is like you're getting an additional like 14 well it's like can you be maybe an extra 10.99 on top or it's considered a gift i would do the taxes on it on my own at the end of the year i haven't done taxes yet so i mean i guess i'll just how many times has this happened this started are you setting 30 of that aside on a monthly basis No.

41:01Okay. I'm not surprised. You haven't been smart so far. It's only been happening for, I would say, like a half year. Two different types of income. So weird. It's all the same job. Okay. And, yeah, I don't. All right. Discover it. Yes. My first credit card out of high school. Wow. So exciting. With a$722 balance. So we've certainly done nothing to improve it since a decade ago. It's gone down and then back up. Meaning you're not a credit card person and you shouldn't have credit cards because you're not a credit card person. You can't manage having access to other people's money. Also,$722.40 with a$35 minimum monthly payment.

41:48Well, you still had purchases. Bounce them down because you put a little more towards it, but you still had purchases. And then$13.69 of interest. Why? Your credit score is 586. What the f***? I so it I mean it when I would use it then I would pay off the statement balance and then I you know obviously would accrue again at one point with one of those semi-annual bonuses I cleared it off entirely and I told myself because of the cash back I would use this for the cash back what cash back are you getting on the discover it you're losing 13.69 percent interest what do people still think that you're getting one percent cash back bonus you literally got nine cents but you were charged 13 ,069 cents and what world you had a net loss of 13 dollars and 60 cents what are you talking about i was hoping that they would help like they would eventually increase the credit limit because i've had this for almost 10 years i'm glad they're not because you would use it no you're not a critical person you say it keeps going up and down you are accruing interest on the two cards we looked at so far and you are doubling your student loans for a worthless degree so it doesn't make any sense but isn't the point of using those are not saving money for your damn taxes okay but taxes aside so the isn't it the point of a credit card to go ahead and use it and then pay it off reuse it again then pay it off because yes if you do that every single month without interest accruing if you're paying off the entire balance every single month you're not doing that well i was trying to keep up with that but there was you're not so you have failed and you're not a credit card person.

43:20It's as easy as that. This is not a complicated thing. Who gives a f*** if you're not a credit card person? It's not some weird award that you walk around on the street and it's like, oh, I'm a credit card person. Oh, yay. And then everyone f***ing just gives you high fives. Who cares? Who cares? You can't utilize credit cards like the majority of Americans. So who cares? It doesn't matter. It doesn't matter. I was... I don't... You get cash back on restaurants and gasoline. 1%. you're losing 22.24%. That's actually lower of an APR than I thought it was at. Yes, and it's still horrendous and stupid and dumb.

43:59And it's for f***ing Peacock. It's for f***ing Peacock. And also gas doesn't matter because I was just told you don't have a car. Well, my boyfriend has a car, and so if we're driving somewhere together... So you pay for his gas? Not all the time, but I would like to contribute. The person who doesn't have any money and can't fund their schooling thing for a worthless degree, okay. I would like to help contribute. It would just make sense. Contribute with backscratch as it works. Trust me. I'm sorry. He actually does. I know. I'm a man. I know how these things work. Okay. You have a whopping accumulated over the course of probably a year.

44:39$12.70 of cash back. So that almost covers one month of interest. Yeah, I'm trying not to touch it. life so well i mean it's job lady the okay it's still it's still less than what i would think is like the average person's amount of credit card debt only two credit cards with not even a thousand dollars like barely twelve hundred dollars for two credit cards that's because i don't know what the entire debt there's a huge pile in front of me i don't know what the you're talking about also okay let's keep going finger hut what the f*** is a finger hut you've never heard of finger hut before I mean from all your guests I'm surprised that it's so it's basically kind of like Amazon but on credit and so it's another hack to help build your credit up because if you're in the 500s you're in the 500s you are not doing this credit thing correct again as always you can use the f***ing fizz card at least it's a debit card that bills credit that's what we use in our resources but for sake what the this is so stupid so i originally so stupid i originally i got the finger hut thing and i was only gonna buy maybe one small little thing like a kitchen like a spoon or something like that like a set of spoons and then i would have a super low utilization that would help boost my credit score um but then they raised my limit and i wanted to get a table table well because my get a cheap ass table on facebook marketplace what did you spend on a stupid table that balance huh that balance well because it was because my my uh at the time it was my friend but my boyfriend now was moving up from florida and he doesn't have any he didn't have any like living room furniture or like dining table and i was like well if i'm gonna hang out in your new apartment in chicago apartment i was I didn't want him to at the time.

46:37He just moved to Chicago. This is his new little like crib. And so I was like, well, let me help. I got I helped you. Why are you sugar mommying him when you have no money? You sugar mommied him on a credit card that is accruing interest. It's and fees. What? It just made sense to get at the time because I was also going to be using that table. So it's not just like it was his. I don't even know what that is. It's probably just their monthly fee. So you're paying fees to have access to a table that. It was a table and like an island, like a kitchen island. So he would have an extra that. Unfortunately, that layout of our apartments doesn't really have a lot of kitchen drawers.

47:13So I had to make sure he had a drawer to put his silverware in. Why is he not an adult? How old is this? He's 30. Getting a f***ing minor? Oh, okay. He's incapable. No, he just didn't have a lot of furniture. Oh, he's f***ing here. Okay, I guess before I roast him too hard, he's in the lobby. Well, maybe we'll bring him onto the post show. I always love to interview the spouse in the post show. Yeah, I guess so. But, I mean, he didn't ask for it. I just was like, I can't have... You gotta stop being a dumbass. I enjoy the heart of it. I enjoy the heart of it. The heart of it is nice. You're just being a dumbass.

47:53You can't pay for school. You can't pay the other two cards off, including credit one, which is going to be fees and interest. Stop! how long does this take to pay off just doing the minimum payment which is what you're doing um i don't know like maybe 24 it's not that crazy how long does it take the pay off but that doesn't mean i mean i can pay more to pay off and you don't maybe like seven years okay three years which is still insane oh wow okay see i over what are you kidding me you want to be 30 with this credit card that's getting paid off for a table he's probably not even no but that's why i'm thinking about using my bonus to help.

48:29Almost two years now in July. Okay, again, I enjoy the heart of it. He can take care of himself. He's a 31-year-old. Again, this was also, I was going to be hanging out at his apartment. Hang out at yours! I do try. And he doesn't want to? No, that's not entirely true. I mean, kind of, he likes to have all his stuff. You guys have been together for a while. Are you going to live together? I've mentioned it before. Our lease is lined up in a way but i think both of us just feel comfortable having our own spaces right now you can have your own space in your space i mean that's how people live together a two bed or a three bed would be nice but chicago is getting expensive and it's not compared to major cities but really the compared to major two bedrooms that i'm leasing right now are going for like thirty six hundred dollars so that's a neighborhood yes exactly in lakeview well yeah if you're looking at a specific neighborhood there's always more expensive neighborhoods of course but overall Chicago as a major city compared to the other major cities is one of the cheap ones.

49:26But that's the area of town that I have to live in. I have to? You can't take... It's known for decent public transportation. Yeah, for sure. But it's not the best public transportation. It's something you could make work out for the sake of your future if you really needed to. I could poke holes in this all day. Come on. We enjoy that part of town. I know you do. You'll have a very fun time visiting it. listen you paid a thousand thirty four dollars in just the finance charge to borrow nine hundred twenty dollars of whatever the this is that we'll call it a personal loan so what what is this what did you borrow nine hundred twenty dollars for to move to chicago oh from florida you borrowed a borderline payday loan to move to chicago from florida yeah i mean i i needed it to pay for the moving truck.

50:17From palm trees to depression. I moved in the summer. So it was... You take it very personally. It was just time for me to leave Orlando. Okay. So I guess we'll put $1 ,954.15. I see payments of $40. $32.62. Is that monthly or bi-weekly though? Monthly. okay we are at a 34.91 interest rate to move now why couldn't you cash flow the move why didn't you save up for the cash flow to move if it only cost 920 it's a five year if it only cost 920 to move cross-country not too bad why couldn't we work our ass off to cash flow then instead of paying for our move five years later major channel announcement budgety budgety budgety it's a new year we're all trying to budget we're all trying to make it a little better We're trying to improve our life.

51:14A lot of people on the show, a lot of people out there that I've heard from, they try to start a budget. They can't stick to the budget. It's because it's all too damn complicated right now. You use any of the budgeting apps out there, it's crazy. It's hard to know what's even going on. It's impossible to set up and it's a chaos to manage. That's why over this last year, I did the thing. I made a budgeting app for you guys. This does not need to be complicated. You're trying to take control of your life. So it should be simple. It should be chill. It should be easy to set up and easy to manage.

51:47I've called it Simpler Budget because that's all it is. It's your simpler budget. But we upped the ante with continued education and an ad-free version. In the premium version of Simpler Budget, you can track your spending, set goals, and stick to a plan that actually works by connecting to all of your bank accounts automatically. No manual stuff here. There's actually weekly live sessions with financial professionals to answer your questions and keep you on track. They'll be teaching lessons and you can ask them things and they will actually help. There's also weekly mini classes keeping you up to date and educated on every financial topic you need to improve your life.

52:26Plus, for a limited time right now, you get access to our new budget-friendly cookbook with 55 money-saving recipes to eat well without overspending. It's time to actually make a budget and stick to it for the first time ever. Let's take control of our 2025 and make this the best year ever. Download the Simpler Budget app today. A link in the description below. This budgeting app will change your life. I did you move in August of 2022. Oh, for f***s sake. And we're still. Yeah, I'm still paying it off. I mean, I'm trying my hardest to make extra. Yeah. If I can. Yeah. yeah you're borrowing for a worthless degree go ahead go ahead tell me how you're trying go for it it was going on a betting machine on a credit one every second of your life yeah go ahead how you're trying yeah tell me it was expensive cross-country moves are expensive exactly i think this alone covered the moving truck well how much did you move when i moved cross-country i just packed up half a sedan and sold all my and then bought everything on facebook marketplace as i could a few months i didn't sleep in a bed frame until six months in i didn't have my bed frame either it wasn't there you go what a big girl well super proud of you i yeah when i came to you took out a payday loan in order to do this yes but it was to help pay for i i tried working overtime as you moved two and a half years ago and you're still paying on this yes but it was because of the fact that you were stupid and immature and didn't know how to move like an adult and save up money if you really wanted to get a moving truck.

54:01And now you're paying for it two and a half years later because you only live off of debt. Because did you live with your family in Orlando? I lived with my brother as a roommate. Uh-huh. Okay. But there was a point when he was like 20. I think he's two years younger than me. So when we were moving. Oh, no. It was just. 25-year-old. That's so different than 27. I had to do most of the funding when it came to like the overtime and stuff. We even tried selling his motorcycle. Yeah, I worked overtime at Apple Park. Funding for what? For the move. I had to pay for my car. Your brother moved here to Chicago?

54:35We both did it together, yes. Okay, I don't think you do that until you can afford it. You don't fund the entire move. You split it down the middle. If you don't, then you rely on yourself and he has to figure it out. Well, yeah, he sold his motorcycle. No, you've used the phrase tried your best. I don't think you know what try your best is. You could have done this. I did it. We've all done it. I was in a horrible financial situation. When I did the move, I did it. I didn't borrow for it. i i was also getting sober at the same time of what oh my gosh oh yeah yeah i know i know it was a bad time but i'm now from miami instead of orlando how often were you doing um pretty often pretty often yeah how long were you doing this for um like less than a year and then i i how'd you get on that um just friends at college it was college time with the bad people no i mean they were getting their degrees yeah there was still work okay i wouldn't define that as the people to look up to no i wasn't looking up to them i mean there were just times if we were out going for drinks downtown or something and then how often were you doing it by the end um um almost weekly oh just weekly so not daily but you would define yourself as addicted yeah i would say what does this have to do with you borrowing from chicago it's expensive that that addiction was that happened but at the time but then once i moved to not entirely it's kind of how it's offsetting though mathematically but you see how like i would try to work overtime as much as possible and then i was also setting aside money to be able to move and then to also live in general because i will so you took out a payday loan to move which is really a payday loan for i am now almost three years and i'm very proud of that and i love that and it shows that you have discipline but let's be honest about why you actually borrowed the money yes i had to get funds your little habit of the snorting that was a hundred percent no because once i came up to chicago i didn't have any kind of connection i was like that's it no you're misunderstanding i'm saying you only had to borrow this because you couldn't save up enough money to move because it all went to the snorting so in a way this 34.91 interest rate loan was to snort

57:00but okay moving on again three years i am happy about that thank you that is good that shows that you have discipline five-year term longer than three years but chicago you it just says Chicago what do you oh so this is um I yeah I have when I did have my car it was um I had a lot of tickets. The tickets. For why? Honestly, the city of Chicago can get you for almost anything in terms of like parking. Like you just. If you park illegally, yes. Okay. But they have the most particular rules and stuff. Oh, you're such a baby. You can't do anything. Okay. You can't do anything without it being a victim.

57:49It's such a silly thing that for two hours a day on one side of the road, you can't park your car there. Chicago micromanages everyone's life, and that's why I don't live there, even though I like visiting it. I couldn't live in a place like that. But you chose to. You could follow the rules. You're not a victim in this. You did the thing. You did it. Every single situation so far, it's always someone else's fault or something. No, I know. Or a reason outside of your control. I understand that I shouldn't have partnered with that. It's literally$100. When was this? Oh, wait. No, it's more than that.

58:18It's roughly about$800. So why haven't you made any progress? Over how long? so i was trying to i haven't had my car in like a year so i think it was like within the first year of living in chicago that i uh accumulated all those how the f*** did you not touch it oh because we don't have any money and that's why we have to borrow student loans for a pointless degree right no no i've started we're not paying off payday loans right so right i have started what is starting five dollars into it no i so you can start a payment plan for a day you can start a payment plan with them um but then it's not an auto pay so i just forgot for like a month or two because i don't have a car and then it would just cancel and so i'd have to restart the payment plan budgeting app man all you all you people just download the budgeting app there will be no more excuses like this it will have that we're building out a feature so that bills are in your calendar and you can never miss anymore this is crazy i can't believe it is never your fault it's because there's no automatic payment so wham i have something in my calendar to remind me of the payment plan for chicago um it is the seventh of every month how much money um i think it's about 52 a month you are such a sweet person so nice and i enjoy being around you as a person but my goodness this financial conversation is making me stick a barrel between my teeth this gap i guess thank you i just i mean i i know i i've made mistakes so that continued no that's it so this is a 15 interest rate for your loan monthly of seven thousand seven all but total number of payments nine thousand what what is this what is this possibly and why um right before i moved my i needed some kind of form of transportation so my roommate before living with my brother helped me he wanted to try and be like a loan shark and so he what a career choice he was he was getting an accounting degree like he's like going to be like an accountant but so he so he wanted to try uh being a loan shark as a side hustle yeah well he he helped me get my mazda 3 that i had before 15 interest isn't the worst why no i told him that my old car i was able to negotiate it down because i told him that one of my old cars before he i needed a car so he was going for an accounting i'm gonna gift you an accounting certification of course career so maybe you can get a real job someday you have a real job right now but like a you know not career ready i okay i yeah i anyways he yes he helped me get the car he paid for it in cash and then i would pay him per month what that payment plan is amortized or whatever as you say it and um on it now i stopped paying december of 2023 why because the transmission went out entirely that works i know listen he's a bit weird for trying to like take advantage of a friend in this situation but you did come to an agreement i know and i want to pay him back eventually i do i feel bad yeah well he stopped hitting me up for it well yeah because you're a low life who doesn't pay back people no i would too i 100 want to pay him back lock you out i don't surround myself with people that are addicts or don't pay back agreed upon money i there were a lot of other expenses that came up at the same time oh like everyone else in life tells me you didn't have an emergency fund i yeah i wasn't able to uh to save an emergency i disagree i bet we could have found a way i bet you were living some high life get it i what i mean i plan on talking to him eventually and saying like hey look here's the rest of what i can pay i mean you're gonna collection settle him no oh no i would pay him the rest of what's owed um i think probably only around like uh like three three grand three thousand okay and his interest accruing oh i don't know he hasn't reached out to me he'll probably 15 percent compounded since december 2023 i i don't know how much that would end up leading to but obviously i would help him pay i would pay him back the rest of what the car like the actual like amount that he paid for the car would be i mean if you look at that he's tech he technically was getting like two thousand dollars worth of like interest from me he was making money off of a product that he created for you so then i would still end up paying what it would be if i am yes well but it was also helpful yeah but you haven't been putting money towards it so interest would accrue more just like when you don't put money towards a credit card to spend more money on it interest goes up higher at the rate but the amount because the balance is this is calculating you making every payment yes of 195 dollars a month you haven't been doing that in a year in a few months no but he oh what a dude everything a transmission died oh that means i'm out of it well i was trying to get the transmission fixed i put doesn't matter you still borrowed and listen i wouldn't have done what he did anyway in fact i would actively discourage that i don't think it was like a very good thing for him to do on a just personal level and friendship level but either way you did agree to it did you agree to it in writing yes okay i don't think he's going to but he could come after in like court i know 100 i can i can see that because okay here's the thing is that he hasn't yet though i mean i know that's what i just said so i mean i'm just hoping that's why i want to talk to him moving forward about this and say hey you know let's is he dodging you or is he just not reaching out he's not reaching out anymore um he after the first two months of um after the car died he just stopped talking to me what'd you say i told him that the car died and what did he say he was he was gonna try and help me fix it from from florida but i like did he how long have you known him um since i was like 20 so i'd known him for like five years at the time crush a little yeah we were we were roommates during covid and we had both been freshly broken up and um he kept whining in the house about everything yes yeah yeah it happened and we um well done yeah yeah it's all done we i i said well we got I think I got kind of tired of it and then I moved out just like the situation in total yeah living with someone you weren't dating but you're f***ing gets a bit weird well it just felt weird that I was cooking and cleaning and doing everything around the house oh so you guys kind of were dating but there was no were you interested in him?

1:05:55in a little tea session huh? not I mean no not really I didn't like his I mean I don't want to be mean it was I mean it was during covid it was during like the height of like quarantine i couldn't go anywhere i guess it doesn't transmit via com it's just us two he was working remote and like going to school and stuff so it's like it's just i get it i get it i get it so how long did you guys live together um about like two years okay two years and then i knew him for another two or three years before that happened that whole time not the entire time did it continue afterwards no no after i moved out that's a weird thing you guys having gone through that sexual intimacy living together and now 15 % loan over your head and he liked you um I don't I don't I wouldn't want to I don't want to speak for his isn't this weird though that there's a 15 % loan all of a sudden how many years after the diddle diddle it was being fair this happened around the same time that I was leaving the apartment come on see is that now f***ing red flag galore.

1:07:04Yeah, it was messed up. You're leaving. You're in a situation where you need something. He's no longer getting the nut, and he helps by giving you a 15 % loan, and you agreed to it. Why? Because in a place like Orlando, you have to have a car to go anywhere. Well, I know. Why couldn't you go get your own? My credit was not where it could be to go to an actual bank. Yeah, but everyone can get even the s*** loan. Not that I would say to do that, but is this the guy we want to look over our head? It worked out okay. Got lucky with that. But a dude that likes us, that we bang, that we're moving out of, and he's probably disappointed in that case.

1:07:41Well, he definitely wasn't interested in anything long term. I'm just saying. Red flag galore. Definitely. I totally think he was a red flag. That's why I wanted to leave the apartment. His boyfriend know that the dude you used to diddle is you owe money to. Yeah, he knows. And? I don't know. It's not talked about. You're going to owe money to him when you guys are done too? Is this a reoccurring cycle? No. No, no, not at all. I mean, obviously I learned my lesson from this guy. You haven't been getting in very good debts since. So I guess borrowing money from people were f***ing sure. I guess you learned that lesson.

1:08:20Yeah. If we haven't learned other financial lessons, look at your entire life. It was another early 20s mistake. I'm fixing my early 20s mistake right now. We all get them. Honestly, it's weird of him. I'm kind of calling him out in this situation as well. Thank you. your family wouldn't have helped no that's what i'm saying like i was i've been independent since i'm not saying they should i'm just i'm asking i'm just asking not that they should or would or could i'm just like i'm looking for any alternative besides the dude that's disappointed they suggested my little brother suggested a motorcycle like the rest of my family but i'm not a bike girl at all temporarily i mean i really it was a stick it was a five it was a six speed did you have to give him a down payment no okay he bought the car cash it was a 2010 monster 360 department of education department of education oh you did make some payments on it but now of course they're deferred because you're in school department of education you know the interest rates on these like 6 % isn't it like that's gonna kill me it's like maybe even like 3 % it's like the ones so what f***ing is it I haven't logged into Nounnet oh my gosh so many oh my oh my f*** oh my f*** it just goes on forever we went over the total earlier so oh let's see student loans you guys you guys aren't considering getting married are ya because I don't think he wants to get it associated with this mess.

1:09:56I'm not in a position to think about that kind of stuff right now. I don't want to think about that. You don't want to? Why? Well, because I have my own stuff that I need to work on, and I know that... $35 ,688. That'll be doubled by the time you're done with college with the way that you're doing it. Okay, what is this? It's an email that came in through Plaza Services. net credit was the original creditor resolve a balance of $4 ,984 I assume this is in collections for what it was originally another one of the loans to help with the move I think it was $4 ,984 to move so it wasn't the $998 that must have now you taught me about how interest can go keep going as you don't pay because I think the loan originally was only just another$1 ,000 because then that would pay for the gas and stuff that was required.

1:10:50You're going through our debt class. You're going through our budgeting class. You're going through our investing class. You have to understand what the all this means. You got to go through the education, take the quizzes. You can gift it to him as well. I don't care. This is insane that you could just leave something sitting there. Now there's this big consequence. You get it all for free as being a guest. You guys get it at a big discount, all bundled. but I didn't, I didn't know that that was really happening. Well, it's in collections. No wonder your credit score shot. I don't think that one's hit my credit score yet.

1:11:26Luckily. Really? So when it does, your credit score is getting even worse. Oh, but if I, if I reach out to them, $4 ,984.65, what? You think that, what do you mean? What? What were you saying? Oh, If I reach out to them before they hit my account or my credit, that they'll just have me pay it before, like without dinging me on my credit because they've reached out. Potentially you might be able to settle it. Okay. So 2 ,804 was your income plus an additional$1 ,200. Okay. What hits? So that's what hits your account on a monthly basis. How much did you spend last month? I'm guessing. including rent and stuff.

1:12:14Total spend. Probably like $2 ,500. $8 ,432. What the f*** are you talking about? No wonder you're financing everything in your life and know nothing and have to rely on other people that you're banging in order to get money from. No, that's not okay. That's what happened four years ago. You stole the money to them. Girl, you have payday loans from when you were moving and one in collections from when you were moving two and a half years ago. I don't give a shit if it was four years ago. This is your behavior that's endlessly happening. It's okay. I mean, I didn't know that it was$8 ,000 at all.

1:12:50I thought. No, you don't budget.

1:12:55Okay. I, okay. No? No? I budget a little bit. I definitely. Oh, go on. You didn't even know you had a fucking Audible subscription. Go on. What's your little budgeting? I get paid once a month. I know you like to write creatively. do you creatively write numbers and they're just made up well like you know those excel budget like templates that they have okay so i know i get paid so well obviously well i know i get paid at the beginning of every month so it just makes sense that i would then i would i make sure that all of my main bills like my rent my you know i have to pay 75 bucks for the cta every month you know all my like credit card whatever all my usual bills i'll just take care of at the beginning of the month and then from there like savings or fun money fun money in what world do you think you're allowed to have fun money you have credit card debt that is not being paid off that is a great interest in fees two credit cards that are getting monthly fees you were trying to buy him tables you were borrowing double what you have on high interest rate student loans probably if we're being honest what the are you talking about at a private school on a degree that has double the unemployment rate of the unemployment rate in the United States.

1:14:04What the fuck are you talking about fun money? Who do you think you are? I mean, if I'm moving to a place like Chicago, I think it should be fair that I just have a little bit of stuff. If you're fair, you're fair. What is fair? Fair is not a thing that exists. You live in a place where people put in effort, and if they don't, they fail, and it's on you. And that's, I mean, what I've been trying to make it. And that's why you're failing, because you can't, and you haven't been putting in that effort, or at least knowledge. You might have the feeling of effort, but you're not doing it in a knowledgeable way, obviously.

1:14:32i mean i'm still able to go grab sushi and girl your debt's going up no shit absolutely that's what happens spent more money than you made no you can do it because you have access to debt which is why you shouldn't have access to debt because you don't know how to you're not paying for your school you're borrowing to pay for your school so you have leftover money to go get sushi no what do you think is happening you are being subsidized for the taxpayer and your housing i mean i i feel like that it i was i'm not saying that's even a bad thing but i'm not even saying that's necessarily a bad thing right but the thing is you think fair you're fair you're getting every fair thing that is possible you're like that's not fair but if i can okay if i'm still able to make my minimums that my thought that was my thought process that if i can make my minimums and everything is still coasting.

1:15:22Nothing's being shut off. Your debt's going up. Coasting's not good enough. You're going to die in poverty. You're coasting. That's why you've been in school for eight years. Yeah, coasting. That's your profession. Professional coaster. This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation.

1:16:02And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10 ,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15 % discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to calebhammer.com or click the link in the description below.

1:16:38You will not regret this. You have an additional$187 in collections. What's that for? I think that was for the last little bit of my insurance. Car insurance? Yeah. I think maybe final month before my car conked out. Also, you got to take into account your rent that you don't have a car payment or car insurance because you live in that walkable area and that helps. It offsets it. Your cost of living is adjusted. I get that I don't have a car, like car insurance or car charging or gas or whatever, but I do still have to pay for the CTA. Yeah, how much is that on a monthly basis? $75 for a 30-day pass.

1:17:17That is not bad at all compared to car payments, car insurance or gas or charging. I do also get free CTA through school, but my car was not working. Shut the f*** up. Are you stupid? Figure it out. Go talk to someone. What is wrong with you? Are you incapable of doing anything? Well, there's also during better weather. people gas you didn't pay your damn gas bill no i definitely paid it all but i think when i moved to this to this rent controlled apartment like to my new apartment i guess like they didn't shut down my service on time and shut down the service i swear that i went online and i shut it down so far you've been incapable of doing pretty much anything so i honestly am not confident in that statement i feel like i definitely you pay 75 instead of getting a card fixed i thought that it was shut off for sure i didn't know that it was not shut up until people's gas showed up on the reality is it isn't so why didn't you pay the bill then i don't have an extra 200 randomly to just 288 to drop off to go get sushi that's like 70 bucks a month like that's like like what i would say that that's no i'm able to fact check it 855 going out to eat last month.

1:18:25You're stupid. You're a brat. You're a spoiled brat. Spoiled brat. I it it makes so much more sense to go out to eat sometimes and get groceries because I'm not I don't have a car to bring the stuff home. Nope. You walk to the convenience store, you get your it's not store. OK, it's not. So everyone else that's doing it, they're not doing it. No, I'm just saying that it just if I if I know that I'm going to spend more money on going out groceries delivered. I have gotten groceries delivered and it would be cheaper than what you're doing now I don't even think you have to do that though I was thinking about getting It's all sushi and big gay Sal's pizza They have by the slice so it would be easier than Congratulations you got$855 of slices So I mean what's the point of coming to a city like Chicago and not experiencing it I absolutely agree experience it so budget this don't do a worthless degree that is costing you endless amount of time and money so that you can experience it and actually live life instead you're being a dumb thinking you're entitled to it you're not entitled to anything i'm working through everything working through your debts going up shut the up you don't even know what that word means you don't know what effort you don't know what trying you don't know what i deserve you don't know what fair you don't know what anything means you're already in subsidized housing you are we are subsidizing your housing by the way which i am not even against as a concept but we are literally subsidizing so that you can spend 900 going out on a monthly basis.

1:19:50That is how it is mathematically working. But I'm, but I, that is how it was mathematically working. I'm constantly working. Which by the way, those units prevent more housing from going up mathematically. Mathematically, guess where the most housing was built in the United States? A non-rent controlled city like Austin, Texas. And guess what? Housing has gone down more in terms of rent. Guess what? Rent prices have gone down more than any other city in the country. The place where housing's built. But instead, because you're doing that so that you can go get sushi, they're building less housing there, making rent even more expensive.

1:20:19That's why New York, Chicago, L.A., San Francisco, Boston, all the places, all the same rules. Those parts of Chicago that I'm in are asking for density. Actually, they're looking for more density. They're looking for it. Guess why it's not being built? Because of people like you. I'm literally working under someone that's that's making a new building right now. There's multiple buildings right now. It's happening, but it's not fully meeting demand because it's more expensive to build housing. It's more expensive to build housing because of those requirements. So instead, it makes rent more expensive for everyone.

1:20:52It's only if you change the zoning that that everyone that no, not just zoning. You have great zoning there in Chicago. No, I know. But if it is more expensive because of those required units. Right. If you build a new building and you have to change the zone, you have to put in those ARO units. But if you don't change the zoning, you don't have to put in those ARO units. It doesn't give us good building that would lower housing costs for everyone. So we just don't do that. That's ineffective. that doesn't make sense let the market meet the demand that's what we did here and guess what now our rent is cheaper than dallas this used to be the most expensive city in all of texas and we are cheaper than dallas now because we let the market meet it instead you want to be able to go spend 900 hours a month on sushi thanks to the taxpayers i mean i'm making sure that the market is there i'm literally leasing these crazy units like i mean they're great units but they're expensive i know what it looks like to try and make the market change in a way to develop a neighborhood more yeah you're just not doing it productively in a way that actually works in okay at work yes i think i am i think that because i'm a part job that you're yeah with a job that you're required to do maybe when you're helping people sign leases i i do more than just the leases i market them we make sure that we have the price points for the new buildings and stuff there's new constructions i'm under a developer like the developer is making these new constructions to try and help build different parts of town, like Uptown, for example, is not the best.

1:22:17So you think it's okay that you feel you deserve, because you moved to a city where some exciting things are, you deserve to spend$900 going out to eat, and yet to live the subsidized lifestyle? Which I am, again, not even against subsidized units. It's making it sound like I am during this. There is nuance in every conversation. The fact is, you are essentially saying that you deserve that and are entitled to it. In what world do you live in? You've been coasting your entire life. You said it yourself. You've been coddled. You've never had to actually go out and make work on your own. With your own, without being helped by someone else.

1:22:52You're always being helped and coddled. I don't think that's true. You're literally being coddled by the taxpayer right now. In rules and regulations. Again, and that's not even me being against it. But the fact is, you have been in that. You have always been in the school ecosystem. Part time. Yeah, but you're still doing it. I was not relying on the brother. I was the one that was working overtime in Florida trying to make sure that everything was set up perfectly, that we had an apartment up here set up in Chicago. I mean, and I just I had to work jobs. I worked as like a server for multiple years.

1:23:26I worked at like a call center. I worked at a bunch of shitty jobs. Who spends$900 a month on getting pizza slices and has negative$24.80 in their checking account. You're a success that we should all look up to.

1:23:39That is my return fee. Oh, there it all is. That is my never have money. That was my second checking account that I only pay for tuition. Guys, it's my second checking account. So I don't have to be responsible there. I can be a child. It's the second one. I don't have to be responsible on my first one. I was trying to make it. I got a baby, dude. I got the second checking account. So then I could then try and manage my bills a little bit better. And how's it working? I mean, OK. No, you're negative. You're getting return fees. What the what delusion? I don't understand I thought the money was in there That was for my tuition payments Your tuition payments That is 99 % being covered by student loans Oh Okay acorns You're using acorns We have an acorns link for more money Than most people get in our description Thank you I was trying with that winter bonus Was that oh Sorry I didn't realize what you were saying no yeah our sign up incentive is more money oh okay I gotcha 8 times or something I don't know what you're talking about I see 38 I see ending balance$3 that's what you're so excited about I was really excited wow yeah I'm thrilled I guess it's better than negative

1:25:04oh cause I had to pull some of the money out oh this is my pecking no no no it's actually no this is my checking account it's only three dollars i'm sorry it was only three dollars because i had moved the 500 or whatever money to each of my investing accounts so like my i can't wait to talk to the guy in the post show see if he's as delusional as you or if he's starting to pick up on all this insanity and excuses you make constantly 16 in this cash app account wait but i have the can we circle back to the acorns thing because Sure, let's circle back corporate talk. Can we talk about this offline?

1:25:42Sorry. Following up. The invest and the later are my two other accounts that I'm trying to do stocks. Which I assume we will get to. Oh, okay, I'm sorry, but you said they're like$3. In that Acorns account, yes. Okay, yeah, I only use it to transfer. Vending machine, vending machine, vending machine, Apple Build, Hordash, guys. Guess what? We can't afford to pay for our own rent, So let's get DoorDash. You are making me sound like the absolute most extreme against subsidized anything. It's just looking at your actions around it. Make me go extreme. It's crazy. AppleBill. You went inside, got some BS.

1:26:24It just doesn't make sense. Went inside, got some BS. AppleBill. AppleBill. Oh, my gosh. What are you getting with Apple? Pull up your phone. I'm going to snoop around. Just saying the only. I'm snooping. I'm a snooper I am snooping you need what the subscriptions open up your phone I'm snooping oh my god I am snooping yeah she pulled up her subscriptions good I'm starting a screen recording we will uh black out anything sensitive face tune I'll be honest you have a pretty face you also have a boyfriend so I don't understand the point of needing that because people get that and then and they can catfish on dating profiles.

1:27:00Oh, I don't use it much anymore. I didn't realize that the subscription was still running. Oh, guess what? It's$10 a month. Good job. Canva. I don't know. It's what it looks like. New York Times Games. I love Whirl. Pixar, congratulations. Use like a free version online. Whirl Connections Mini. I like to go into the archives. You literally can't afford. You're negative in your checking account. I don't care. Listen, you can make these excuses when you have some wiggle room. You don't. You're literally negative. so I can't. You know what? There's a part of me that I deserve. I want to go to the big city and I want to experience that.

1:27:37I get that. And a part of me vibes with that. The moment you are negative in your checking account, no. It's done. You do not deserve or get to or have an even desire to. You get to walk on the lake for free. That's what you get to do. If you're negative in your checking account, you don't get anything. It is as easy as that. Skin short, skin care. It's expensive. $35.99. Plan or journal for the notes app. My gosh, lady. Oh. I think you haven't upgraded your iPhone in a bit because you certainly can't afford it. Yeah, I mean, that's the thing is I usually do it every two years. She got jewelry.

1:28:13She got jewelry. She got jewelry. She got jewelry. Oh my gosh. Some fucking was that a Nazi book? It's all German. Oh, no, it was a Christmas gift. It was philosophers. Okay. my friend is really into like anytime I see German I get scared no oh my god please these are like I was getting Christmas gifts a wooden cookbook display Christmas gifts you can't afford rent you're not gonna be checking account for Christmas you don't get to do it but I had the bonus I know this isn't American only this has to be human we set up these structures and these things that we're excited to do you are not entitled to it you are not entitled to Christmas math is math is math is math if you don't have the money you don't get to do it I want you to do it and I want to structure your life in a way where you get out of your bad situation so you can live the f*** out of your life that is the end goal we want to get to you're not there you don't get to do it I don't know what the f*** you're thinking at least you got 318 in this checking account transfers oh my it's all bullshit good job well done I I went inside got some BS went inside got some BS Starbucks cash up and out money Uber little lime rider selling out money lime riding lime riding oh guys I walk the lime scooters guess what you cannot afford the line scooters get a little scooter that is a one-time purchase and go around places you have in Chicago lock it up again I'm sure someone will steal it but buy another the upfront cost of doing that.

1:29:48Of course, but you spend as much on Lime already that you could probably cover the cost of one in a month. Taco Bell, Lime, cash happened out, ATM withdrawal, $43. Who knows where that went? There's the Canva subscription. BMO, Spotify, Spotify, Uber, they won't cover it? I mean, they do, but I mean, school too. Why the fuck are you paying for it then? if they're covering it well i don't want to i don't want to mix like my work and my school canvas stuff uber zelano 25 big gay cell big gay cell how gay is he um there's this part of uh there's this part of chicago called boystown and that's where me and my friends like to go out a lot and so there's this new pizza place that he sells slices and um by the slice and it's like right by our usual going out places where we go for like two dollar drinks i try we try to find deals when we're out and about so docking funds no fee the funds now fee because i really i really wanted to have my check and not wait like you do the little micro pay thing one time one time for big gay sal big gay sal gets can pay advancing come on big gay sal doesn't even care about that it was one time and it wasn't even just for that.

1:31:14Big Gay Sal does not need your money that much. Because I get paid the first Friday of the month it always risks the possibility that the calendar lines up weird and I wouldn't be able to pay my rent between the grace period. So that's like sometimes I'll have to take like Oh shut the f*** up. Starbucks, Emporium, Emporium, Lime, Liquor. Thank goodness this is what we really need when we can't afford f***ing life. Records we 100 % need that. That's the only way to listen to music when we already have a Spotify subscription. It was. Shut the f*** up, Realm. ATM will draw 203. Who knows where that went?

1:31:49ATM will draw 123. Who knows where that went? ATM will draw 143. Who knows where the f*** that went? Tavern. Replay. Starbucks. Lime. Lime. Ramen. Starbucks. Set. You went and got some bulls***. Because I know it ain't gas. F***ing Uber. Cash app. Who knows where that went? ATM fee. ATM fee. ATM fee. Lime scooter. Uber Eats. Can't afford rent, but we're getting$71.63 of Uber Eats. Fuck you. It just makes sense. Lime. Cash app and out$25. Lime, Lime, Lime. You could have gotten a scooter almost at this point. Cash app$50. Lime, Lime. Sushi! It's just really convenient. Money Taco Bell. Lime, Lime, Lime, Lime, Lime, Lime.

1:32:33Cash app and out money. Starbucks. First slice of pie. But it won't happen to Big Gay. I like the big gay Where's big gay Now you're getting first slice First slice Come on Yeah it was a It was a pie cafe So it was like Actual like pie pie Homophobe Amazon Amazon Gifting time Macy's All gifting time I don't give a Wine Exchange Get into BS Smoke Dreams I Okay that's my And a cigarette You're a cigarette Yeah Girl you're actually somewhat attractive you're gonna look 80 by 30 i know i'm i'm trying to quit how many sigs do you smoke a day uh depends if i have my vape or not how many sigs do you normally smoke a day without a vape just a normal day oh okay um maybe like one or two maybe three you're disgusting you've ruined your entire attractiveness oh i'm sorry i mean i'm no i mean it's i'm not sorry but like i know i'm still should be because it's disgusting i'm working on your lungs i'm working on quitting Vaping is really going to help that.

1:33:35I mean, vaping is not any better. I actually hate vaping more than I like. I like cigarettes more than vaping, but I can't have a cigarette everywhere that I am. You're a musician and you don't like cigarettes. That surprises me. I don't like lung cancer or the smell of death. I OK. I get the smell from outside is not great, but I mean it. Yeah. And I don't get to control it. I just want to exist and walk around and then I have to deal with your cancer air. Well, that's why I like the vapes because vapes are. I mean, that's why I use the vapes because it's a lot more convenient. You know, I don't have to worry about convenient cancer.

1:34:08I'm trying to quit both. I'm trying to be like a social smoker where if I go to like a friend's show or that's a good way to quit. Still doing it. Lime, Alta to cover up all the preemptive wrinkles. That's probably under that all that cake from the cigarettes. Amazon, Starbucks, Starbucks, glamour nails. I don't want our nails to be black from all the cigarettes. Got to get them done all the time. Zelle and out money, Starbucks, Lime, Lime, Amazon, Amazon, Amazon. ATM would draw$60. Who knows where the f*** that went? Got in some bullshit. Zelle, Starbucks is crazy. I'm a little disappointed. I'm seeing a lack of big gay Sal, I'll be honest.

1:34:44It seemed to be a one-time thing, and it was very fun. Went and got some bullshit. ATM would draw$43. Who knows where that went? $25. Zelle'd out. Tide House, PlayStation Network. Yes. PlayStation. Yeah, because I play Minecraft with my boyfriend. and we have to have PlayStation Live to be able to hop on Minecraft. I live in the same city. I know. Go over and play f***ing Minecraft! I play... Shut the f*** up! Stands, donuts, bookstore. We already know you have Audible. And a library, multiple of them. Amazon, Lime, Uber Eats. Can't afford rent, but we're getting Uber Eats. Going in to get in some bulls***, you.

1:35:25Cash having out$50. Where's all this money going? There's so much money being sent out. zally tamatross cash app so much where's it all going well so sometimes for cash app i'll use my cash app card as like a way for like to monitor my fun money so it's like fun money you don't have fun money if i you don't have fun money you're negative in a checking account you don't have fun money you're borrowing a million jillion dollars in private student loans for a worthless degree you don't have fun money but at the time what i was saying okay at the time i'll tell you the time the time is you're dying i i mean i'm still alive now and i'm still living in chicago and so the way that i saw it was looking i'm still i go to a gym you should see a gym on there i go to la well we don't criticize gyms so well okay so i mean i at least am doing something to counteract the nicotine i don't think that's how that works you do gym to counteract mcdonald's you don't gym to counteract lung cancer endurance and stuff you know my lungs can still yeah i guess you have to really push it because you're killing yourself you are crazy 247 dollars 247 dollars in savings the acorns that we're super excited about it's 152 that's our retirement well done no 352 and the other one well done you're dramatically behind it on retirement you're negative in checking account this is a joke i do like acorns for the automatic investing but i'll be honest i I mean, just like the brokers that were partnered with, Moomoo, if you put your money in there, it's at least like an 8 % return on your uninvested cash.

1:36:58But I do like the automated investing stuff. So I get it. That's fine. That's fine. That phone, so that must be paid off, right? Yes, the phone's paid off. What's your phone bill? Like 98. Are you fucking crazy? Okay, T-Mobile, I'm sure it's strong. Yeah. Okay, then switch to helium for$15 a month. It's the same towers. Oh, I don't, I mean, I've. Oh, I don't want to save money. Ew, it's a name brand I haven't heard of. Ew, it's the same tower. Stop being a dumb... What about T-Mobile Tuesdays? I don't know what that is. You get, like, deals and stuff. Deals, so more ways to spend money. I... I'll look at, I guess, other options.

1:37:35Yes! I've just had T-Mobile for, like, my entire, like, adult life. Oh, my goodness, I could never not have a brand that is sucking me dry. I'm so passionate about getting sucked dry. You sound like your boyfriend. They're okay. They're when they first financed my very first phone, they kept that on file. And so whenever I finance phones with them now, they're every finance phone. So we're so excited to finance phones. Let's get into more depth. I'm still being a little dumb. Stop being a little dumb. Just stop being a little dumb. Stop being a little dumb. Stop being dumb. How leather is that skin under that cake?

1:38:17Not that bad. it's moisturized I spend a lot on skin care too sunscreen every day yes of course and all in the evening of course good but we still smoke cigarettes okay and a lot of water too a lot of water to make sure I'm hydrated do you smoke yes cigarettes um I'm planning yeah good you guys are perfect together you're gonna die oh no he doesn't smoke cigarettes no he doesn't smoke cigarettes sorry no no he doesn't smoke any nicotine anymore besides yeah also great for our lungs fun fact breathing things in that aren't just air is bad for our lungs I know that 100 % I wrote like a nine page like personal memoir on my relationship with cigarettes I know they're not bad it works so well no I know it's not great I know cigarettes are not good guys that's how effective creative writing is we write about our addiction and then we do nothing about it what's your rent?

1:39:10I can get published over it have you? it's submitted they're still in the reading process right now how many years have been have they been reading on what's your what's your what's your rent again 1170 1170 utilities uh like 35 for everything including the internet um everything is in like technically built into a utility package and i don't get charged that because i'm in the aero so i only get charged electric no electric is only glad you get sushi for 900 hours a month so 35 for electric yeah Okay, internet? Included in the rent. It is. You know what the crazy thing is? Gosh, I'm just going to sound like an extremist.

1:39:49I'm doing it again. The thing is, I believe in taking care of those who can't take care of themselves. I believe in helping mentally disabled. I believe in people who have gotten injured. I believe in helping people that get unemployed. I mean, they've paid into the unemployment system anyway. I believe in these things to help people that cannot be helped. You are spending$900 a month on rent. Why the f*** should the other taxpayer pay for your damn internet? It is kind of gross. That is why people look down on the systems. Because of someone like you, who thinks they're entitled to go blow all their money on fun.

1:40:22And it was just, it was$900 on going out to eat, sure. But it was also miscellaneous bullshit and additional$872. That's PlayStation Network and all that other stuff. I mean, going in and getting crap was additional, just extra money. Your subscriptions is also almost a full percentage of your income. It's a joke. It's a joke. That is why there is so much pushback on programs like that, because people like you abuse it who don't necessarily need it. It is so disgusting. I want it for those who cannot take care of themselves. And I want to support them and I want to love them and I want to encourage them to get to a better place.

1:40:55I mean, I agree to being in that industry. I'm OK. I'm not abusing it. You're doing$15 a month for your phone bill because you're switching to helium. I am not going to let you make an excuse around that. This is pretty damn objective, except for weird pearl clutches or, like, someone that believes that are crazy people out there. I mean, Reddit might be upset by that, but, I mean. Okay. Okay. Would I be able to still use my same phone? Is that a dumb question? Yes, of course. Okay. Of course. It's not dumb. That's fine. It's the first not dumb thing. $300 for groceries. Congratulations. I'll do$350,$350 just in case you've got to get a little delivery in there.

1:41:37TP fun, tampons, anything you need for life, makeup,$100. Healthcare, I'm going medical expenses. How much? I don't have – I'm not medicated anymore. Oh, my gym is$59 a month. Okay. Pets? I saw pet food. What do we have? I have a cat named Sophie. She's a tortie. Okay. How old? She's 10. Crap. so no pet insurance then no she no and she is hyperthyroid now i know that's why we get them when they're young that's when it's most affordable young and healthy but she's so i mean i don't mind doing her meds every day i know it's just it's just i'm just saying we're not budgeting in pet insurance so how much for cat on a monthly basis food and meds um uh i know that the her bag of food is the prescription food is like 80 dollars um but that would last probably like two months so$40 for her food and then her meds were also another$40.

1:42:34So how much? $80. Okay. Sorry. It was just$40? I was trying to think of it, yeah. You don't have to pay for transportation because you're going to get your car fixed. Anything else that needs to be in your budget. Because right now, you don't have much. $188.61 for debt minimum payments until the student loans kick in and then it's going to be like$750 a month. I mean, I would hope that I can put some aside for a car. Yeah, is there anything else that needs to be in the budget, though? Your expenses, your required expenses. Not including, like, my credit cards and stuff? I did. Your debt minimum to payments is$188.61.

1:43:11What else needs to be in your budget that I am not including? That's it. That's all that I can think of off the top of my head. I do want... I mean, I can't... You can't budget just a little bit of, like, fund money? I don't know yet. I need to see what kind of clearance you have. Of course we can if it is clearance. $840 is what we're going to have after the$1 ,200 when we set money aside for taxes. Then$2 ,800 for the rest of the income. So income we are going to say, except for the bonus months obviously, but$3 ,640. Does that up your expenses? Yeah, that sounds about right. Yeah. Okay, I require just...

1:43:49Yes. The$75 for my CTA? No, because you get it for free. You're going to get it fixed. You dumped it. I'm sorry. Oh, my gosh. How does he deal with you? I'm excited to talk to him. $3 ,640 is what you have on a monthly basis. Congratulations. And$1 ,997.61 are your expenses. So let's see. What are we left? That's pretty basic math, but either way. $1 ,642.39. I'll put in how much fund money? Oh, wow. I'm going to put in$142.39 of fund money. money. Congratulations. $142. Shut the fuck up. No, that's a good, that's a good, no, no, no, no. Okay. I, yeah, I know. I mean, okay. All right. That wouldn't count like, uh, like any kind of like, like extra stuff.

1:44:38Like, oh, my skincare ran out. Like my face cream. That's in your TP fund. You have to budget it in. Okay. Okay. And you're going to do it all in the simpler budget app. And again, it's going to automatically connect everything, all your accounts. You build up the categories. You'll stick to it. It's so fucking easy. We want it to be the best budget in the world's community.

1:44:58Actually,$1 ,500 on a monthly basis, but we're a child, so that's why we're in all this debt. It's fucking crazy. It's good. Minus our student loans for now and collections. We're looking at...

1:45:12Okay,$4 ,365 of debt outside of the student loans. Student loans are the crazy ones. And then the collections just about doubles it. But with$1 ,500, you're out of credit card debt and bad debt and payday loan debt, all that stuff, in three months. Oh, no. Three months. That's horrible. But you see how. You could have done this immediately. This is a joke that you're in debt. It's because you are an entitled, spoiled, coddled person that's never lived in the real world yet. Yet. Okay? What a joke. Student loans, I wouldn't take out as much. After the three months, I wouldn't take out any more student loans.

1:45:51Collections, I would negotiate probably three months worth of those payments. Negotiate, try to cut them in half, maybe 75%. Negotiation, we can help you with that off camera. But you'll essentially give them, like, I'll pay this much, blah, blah, blah, like every couple weeks or so, and they won't accept it. And then just keep forcing their hand until they do or just never pay it at that point. Okay. Okay, and this also includes your friend, by the way, that money in that three months. So call it six months once the collections are done. If you pay them all off in three months for the credit card, so six months total.

1:46:26And then through that$1 ,500, search your tuition. And then you're probably borrowing the rest if you're really going to complete this degree. Wait, so you're saying to finish my degree, I'm going to have to pay the rest completely out of pocket? No, I'm saying throw$1 ,500 a month towards it and whatever else is left, you borrow if you really need to get it. I just don't think I'm going to be able to convince you otherwise, so there's really no point. But that at least helps limit that. And then on a monthly basis, you're doubling up your student loans once they kick in, but you'll be able to with that$1 ,500, and you'll pay off your student loans in about five years.

1:47:00And there you go. That's your get-out-of-debt plan, and I'm pissed that you're in debt and that we even have a debt payoff strategy because you have money left over on a monthly basis and you're being subsidized even though you don't need it and there are people who actually do need it. Definitely need it. And this is crazy. Budgetly, not true. Okay, but spending in a budget, you just wanted to live in an expensive area of town, let's be honest. It's not an expensive area of town. Uptown is like not a great part of the north side. Spending in a budget, you overspend, 0 out of 10. Debt, you have collections, 0 out of 10.

1:47:28Merchants fund, you barely have any money set aside, 1 out of 10. Retirement, barely any money set aside, 1 out of 10. Real estate, 0 out of 10. Hammer financial score, 0.5 out of 10. Guys, come join us in the post show. I'm going to talk to that boyfriend. We're going to see what the f*** his perception is on this and all that stuff. I always love a good confrontation and tea thing. And apparently, Lindsay is typing to me right now. There's apparently something coming up in her life that I don't know about that's going to f***ing kill me. Great. Can't wait. It's going to be so good. But you can join the Elite Membership, but you have to join it before the month ends.

1:48:01But if you join it before the month ends, I will pay for it. I will cover the$10 by giving you a Visa$10 gift card that can be spent anywhere. And it's a virtual one in any country except for like Russia and North Korea. So make sure you join and then send that proof of purchase and username or a member at Caleb, members at calebhammer.com and I'll reimburse you. So it's like a free trial to our elite membership with thousands of hours of extra content. Make sure to download the Simple Budget app. It's a free trial to the premium version. See you guys in the post show. It's going to be fun. So how are you dealing with this?

1:48:28I just don't pay attention to it. Are you going to marry her? I don't really see myself getting married. So probably not. Thoughts on that? I try not to think about that. Also, why do you keep f***ing your friends? No, I f*** my friends. It wouldn't f*** me, though. Have you ever considered, close to your ears, not being with him? You're not having s***. You don't live together. There is no future of marriage either. Why continue this? Yeah, when you lay it out like that, that makes sense. To watch the Financial Audit post show, click the join button below.