Someone Finally Snapped On Financial Audit

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0:30hammer.com slash bundle or click the link in the description or pin comment below. Hi, my name is Avery. I'm 30 years old from Killeen, Texas, and this is the financial audit. What do you do for a living in Killeen, Texas? I'm a nanny. Oh, okay. Very cool. Okay, great. And how many hours a week are you working nannying? 20 to 30. All right. Killeen, it's an interesting town in terms of cost of living. It kind of really varies military town you can see low end but you can also kind of see high end sometimes the market gets pushed up with like limited supply and a lot of people living there how are you feeling living in killeen on 20 to 30 hours a week what's your hourly pay 18 an hour i feel pretty good coming from california to texas i sure would be doing better would you come September last year.

1:21Okay. But if it's 24 hours a week on average, 25 hours a week on average, it's$1 ,800 a month. Not really what most people would consider. Oh, including an extra$125 a week. Why? Because I do some extra things around the house as a nanny. I do like laundry. So cleaning as well. Oh, that kind of stuff. More like organizational, like tidy. Yeah. So just keep in the house. So an extra$180 a week? An extra$125 a week. So that's$500 a month. So$2 ,300. Well, how do you feel living on that then? Because again, we're talking less than$30 ,000 a year. From my history and where I've come from, I'm okay with it.

2:07Obviously, I know the possibilities of what I could be making. How are you living? Are you in-house, Nanny? No. So how are you living, though? Because it is... I don't pay rent. How? I live with my boyfriend and he pays rent. Oh, much more sense. Cause I wouldn't know how the possible you would be able to survive. Yeah. I would have to probably be a little, you guys move here together. I moved here to live in with them. Okay. Yeah. Okay. Things are making much more sense. So that's how you feel. Okay. Do you have a lot of debt though for someone that, you know, self reportedly feels okay. Yeah.

2:48You're right. I do. What hits your account? I'm saying I feel okay due to my history of where I've come from. So granted, it's not where it should be. Maybe not the best, but I do feel okay. So what hits your account on a monthly basis, income-wise? What hits your account? Definitely. Give me the average, or was I right? Yeah,$2 ,500. $2 ,500? Yeah. All right. And what are we doing with the$2 ,500 that comes in? What are we doing? Paying my bills and then blowing the rest. i'm like whatever but you're not paying your bills because we have debt uh you're right unless you're not considering paying down debt paying your bills saying that yeah i'm not paying down my debt what i am doing is paying my minimum so my bills i would say are my minimum monthly payments that's what i calculate why not pay down the debts what happens if you guys break up how long have you guys been together a little over a year cool well that's pretty young in terms of relationship at least these days but if you guys break up how are you going to survive you're not gonna be able to get rent to save your life good luck it'd be 50 for a basic average place yeah you could say that or i would survive like i think most people do figure it out yeah there's also literally hundreds of thousands of people that live on the street so it's not as easy as people just figure it out like a lot of things happen it is that easy though but how do you how do you get through life without obstacles crises like rocks bumps in the road you figure it out like maybe like girl i don't want to ruin your little rainbow road real quick but people literally die all the time people aren't just always making it to the majority probably but even still life expectancy is low in certain areas you put yourself in a bad situation force yourself through bankruptcy go ahead and get a car get really a bad situation isn't it all perspective of like an individual bad situation getting a car getting repoed and a non-walkable infrastructure area i think people have to hit their bottoms their lows in order to go you'd rather bottom in certain situations learning life lessons 100 but why not learn it before you get i'm so confused why would you come on no i'm being serious i know but why sorry why why would you want to get to the bottom if we can already know what the bottom looks like why get yourself there i don't understand the point i don't think when making decisions that you're going oh i want to like ruin my life it's like oh no i want the starbucks i want the target i want to go to the rave and then it piles up and then you're like oh shit i am kind of like at a rock bottom financially of course but you're not because you are seemingly but you're saying i could get to a worse like a lower yes but we don't know that we don't know that for no we know you can for a fact and then we don't know you will for a fact we know you can for a fact because other people are which would Not anything is possible.

5:36There are literally hundreds of thousands of people every year that get to a worse position, lose housing, lose their cars, get completely. And you're pretending. But you're pretending like that's not possible that people just figure it out. People don't just figure it out. People literally die. Is that the average person? You're talking about me. What would I be able to do in this situation? What would you be able to do? Okay, go ahead. You get laid. We're six minutes in. Why are we doing? Okay, go ahead. Something happens. he dies let's just say that so is that even a no no another one well i was just trying to pretend like your relationship didn't that okay fine uh pick another one yeah you guys hate each other now wonderful and you break up for whatever reason what would you do two thousand five hundred dollars a month before any taxes i mean if we're being honest i'd probably go back and live with my parents or see what my other options of jobs and live in any positions are like i'm gonna find a way because I can't afford to pay rent on my own.

6:33I wouldn't get approved even for renting a place. So I would be okay with finding that other job. The thing about falling back on the parents, that is not inherently a bad thing to have a good support system. But again, we're talking about right now, you are specifically choosing not to pay off debt, specifically choosing not to get a fully funded emergency fund, particularly choosing not to get retirement so that you can go off to ego club whatever the f**k you do yeah instead of setting yourself up for a potential situation in case an emergency were happened because you're able to fall back on mommy and daddy do you not see how that's a little uh immature for a 30 year old you're a year older than me but you're acting like you're 15 years younger than me do you really think that people get anywhere do you think people get anywhere without help from other people maybe yes falling back on my family does not look like i'm going to move forward however i don't think are you talking about what i just said do you get really anywhere in life truly on your own you don't have help from outside people you don't have information you don't get connections no like you're what your net if we bring it down to the most granular detail of course we can make a thing i wouldn't have been able to make a youtube channel without the youtube channel platform working or without it being existing you're going to talk about systems i'm talking about people and Maybe my people happen to be my family.

7:54I wouldn't have been able to start a YouTube channel without someone founding YouTube. Yes, but people are able to. You're taking it far back. Exactly. I'm saying if I break it down to the most granular level, yes, I can say that. However, if we're just saying, can people make it with. Yes, many people have made it growing up in an orphanage without a family and never having a family. Many people have made it in a lot of situations with abandonment of parents. People have made it going from homelessness to multimillionaires. Of course people can make it without other people. So you saying that literally no one else can make it without that is incorrect.

8:28Is it a lot harder? Of course. And I am not saying it is bad to have a support system. I am saying you are specifically choosing to not put yourself in any kind of situation of any kind of protection if in any emergency would happen because, you know, mommy and daddy would take care of their 30 year old child. if something were to happen instead of you being a reasonable responsible adult and taking care of your debt getting an emergency fund and making sure you have a chance for retirement what what are you doing what is this what you you disagree you disagree with that somehow somehow me we're 10 minutes me go on please do you need a break no no but that's a pretty i'm a little i am upset because that is such an immature mindset that if everyone believed like you we would just completely fail as a culture so it's pretty upsetting it is i think a little delusional sure however my delusional being positively delusional has maybe got me this far and maybe it's gonna look this far you rely on your boyfriend if your boyfriend didn't exist you wouldn't be able to survive what are you talking about rely on him because yes because he pays rent as in the roof over your head as in like the most basic minimum requirement to life besides food and water if i wasn't with my boyfriend then i would be paying rent on my own but we just decided you would not be able to in this situation in texas but before i was paying rent on my own so i can't do it california income texas income why is that translated what what were you doing in california i was a nanny okay so in colleen why do you think you're making some so what were you making in california 30 an hour okay definitely a big hit there now are you able to start can we pick up extra nannying on this but it's not an income situation again you have already described your behavior it's not that i need you to go make money it's just it's how you're managing your i I mean, this debt,$600 went towards it, but it only actually went down by$70 less than because you're spending.

10:35And it's probably like over the limit. So like does this like extra thing too? I like to get rage debated on Twitter oftentimes. What's that? It's where you're just baited into being raged. there's a lot of people on there that are endless victims constantly throughout their life and nothing is in their control ever ever ever and a lot of people what they say is essentially it's like the most dangerous thing in the world to be like a single woman okay cool i mean that's i see a lot of that stuff what you are doing if you do become single though because of your actions right now you actually are putting yourself in a situation that is dangerous you don't know what's going to happen to mom and dad they're not always going to be here either so if a relationship the instance where then it goes okay you figure it out right that's not that's not a reality i don't understand how do you not understand because i have specifically said and okay let's get some basic statistics let's not the thick things right amazing time for a software update guys thank apple thanks do you want to just like start from the normal conversation the normal conversation before we were supposed to get like the fuck you talking about no i think this is a very important part because like your entire life is revolving around you not having a mature worldview what's your definition of mature well you're gonna one second i'm looking something difference in opinions on that thing multitasking okay it is uh no not very well okay it is your worldview of i will just figure it out put yourself in such a dangerous position that you don't even understand because i have had people on this show i have had people on this show that thought they would just be able to figure it out and then they're in hundreds of thousands of dollars in debt because they had no choice but to try to survive and then they end up getting i've had multiple people people on the show that are approaching their 60s hundreds of thousands of dollars in credit card and payday loan debt and guess what not our chance of retirement to the name they're gonna have to survive out social security good luck ever being able to survive in any kind of world with no support system because their parents aren't alive at that point what are they gonna rely on their kids is that their kid's burden morally probably but that's not fair because an immature adult didn't take care of things i don't see i don't okay let me give you the danger by actually finishing what i'm trying to do okay one eternity later about a year ago 653 100 people on just a given night weren't able to figure it out in a given night that was the number of homeless people in the united states on a random given night in 2023 according to the national low income housing assessment report from hud and that's the danger is that i would be homeless because i would have too big of an ego instead of going back to my parents or finding a job that would actually provide housing because that would be so hard to do it could be you don't know you haven't you're 30 no offense we're basically the same age.

13:36We saw a little from the peripherals in our life, the Great Recession, but you and I have actually not lived through in the workforce what a real recession is like. You think job and income is always going to be there. That's not how it works. In the Great Recession, what were we, 8 % unemployment? That is 8 % of people that were looking for jobs that were not able to get income. This is not a guaranteed thing. And your parents being around is not a guaranteed thing. And if you continue that mindset and that life of being able to rely on the boyfriend, being able to rely on some magical job that's always going to exist and being able to rely on your parents always being around.

14:08Those things are not a guarantee. I'm saying you not being able to take care of yourself and send yourself off for any emergency is the danger because you might end up as one of those 653 ,100 people that were given homeless on any given night, which was a 12 % increase from the year prior, by the way. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Moo Moo, where they give you up to 15 free stocks and 8.1 % interest on your uninvested cash when you sign up with my link.

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15:13So don't pass up the free money because I'll punch you. I mean, who wants to be homeless? No one, but I'm saying it could be you. No, no, no. Let me give you the danger part because that's a large amount of people. You just want to scare tactic me into your... Are you not? You're not scared of that? How is that not scary? It's not a scare tactic. It's basic reality. Maybe I'm just not afraid of that. I think there's scarier things. Because you've never experienced real struggle, obviously. You've never experienced real financial struggle. You've never experienced a real financial sacrifice. So why would you?

15:47You've never experienced it. Okay. No, you're just being annoying. I think I just disagree with you. And it's frustrating that you can't get me to agree with you. like I hear what you're saying like the danger part the danger part I'm just saying there's way more dangerous things and like what you're talking about is here we go violent crime right violent crime right for those violent crime right violent crime violent violent it's not my reality you want me to accept reality but that's not my reality it's not your reality because you haven't experienced it yet violent crime right for those who are homeless you want me to experience a reality that I haven't experienced that I could be afraid of experiencing it not setting yourself up for a basic thing that many people statistically go through why do you think you are out of the norm compared to a normal person you don't know what life can give i don't think i'm out of the norm then why do you why the do you not think this is a possibility for you if you are homeless it is if you are homeless i'm afraid of it i don't see you're talking about the danger the danger is 40 more likely to experience a violent crime if you're a homeless individual versus not homeless and if you don't set yourself up for any situation where you in the worst of the worst situation are able to put a roof over your head like many people who are having utilities cut off in the United States because they are not taking care of their s**t, their choice or not, you are setting yourself up for that danger.

17:06What if it all goes to s**t anyways? Then the money doesn't matter. Like those things are - Oh, you're talking about societal collapse? Sure, fine. In the point zero, zero, zero, zero. No, you go ahead. If society is collapsing, then there's no point into any conversation ever. but let's base true but let's base it on the statistical likelihood that society is going to resume and maybe protect ourselves even slightly protect ourselves from the illusions that we have in our head that fear and danger is upon us if we don't hey guys if you're not a moron like her go to caleb hammer.com slash apply and come on the show i this is are you like being serious wait hey hey question why the did you apply to come on the show uh because i need some help is she literally because are you like are you kidding me you applied to get hope and then the one thing i immediately tried to talk about on how you are dangerously not taking care of your finances you immediately we immediately have a 20 minute back and forth bull about it dangerously so why did you apply for help if you aren't willing to listen to that most basic thing you're telling me to be afraid of the danger not i'm in a dangerous financial situation you are in a dangerous financial situation okay that's different than being afraid because i'm going to be homeless soon right i'm saying that could happen because of the dangerous financial situation you're in how did you not understand that are you not capable of having that very flat brain comprehending the complicated airflow that is going over to you no i do understand that i'm sorry i'm now i'm just being insulting because you're pissing me off i'm sorry i shouldn't be insulting that's not what this no it's okay go ahead no no no no where do you think you are in this world by the way finances zero to ten zero being the worst ten being the best where do you think you are where do you think you would land i mean if you're looking on a scale of me and my history of my finances your history where do you think you are right now dude for a global scale out of everyone zero being the worst ten being the best i'm not talking about sub-saharan africa and zika but zero how does the perspective go into that is it me on my scale of finances i'm doing better than i have done so i would say really you've been able to last with your boyfriend for a year somehow last you you guys have conversations conversation and he has kept you around for a year we don't look at each other that's funny yeah we have conversations and he's allowed you to stick around allowed me to stick around like i am not a gift

19:42wait you said five i mean yeah because i'm not even gonna do it if you want your hammer financial score it's free link in the description below see where you are in the assessment of life are you gonna assess me and give me a number yes at the end have you seen the show you applied i watched all the tiktoks they're good oh good okay so you just haven't seen the full thing You don't even know what the full thing's about. Take the mic and pull it close to your face. You're soft. No. You're delusional, but you're soft. Are you taking notes? Yes. Oh, my gosh. I just want to know. I thought your notes were in the book.

20:22We're sure you can take care of a child without it dying. Yeah. That's so funny. I'm clearly a little delusional about the finances, but I'm very good at my job. $13 ,709.64 on this credit card. Oh, I probably look like an asshole. Correct a window. I'm raging. $343. It's your minimum monthly payment. That's f***ing insane. Just for a credit card? Wait, are you getting paid a nanny? Okay. So, listen, I don't think you would have to pay too much in taxes if you report it. Do you even report your income? The taxes. What's your tax situation for last year? What do you mean? How much money did I make?

21:02how much should you say you made and how much did you pay in taxes i don't know that's not a number or really an answer isn't it i don't know how have you made it how have you made i mean how how are you able to drive down to austin without crashing i'm a good driver what do you mean you don't know did you file taxes i don't remember

21:34that happens like once a year and turbo tax sends me like these reminder emails okay and sometimes like i go sometimes i've done it and they like auto fill if i get like a piece of paper in the mail that looks tax things i do that no there was no class on this nor did i ever google i know we all have access to google oh you've heard me say that yeah i love the tiktoks oh my gosh you are actually a creature okay you're like somehow existing right now i i like we're on a different plane of reality so maybe our realities stop stop don't try to say something cute i'm going right with no i don't i just don't want you to try to say anything cute you're just brain rot to the max have you do not know if you paid taxes last year no not how much but do you know if you paid or filed taxes i think i did you think you did for one of my jobs i think what because like when i moved here i got a job at a school and a gym and didn't like really last long and like maybe why because you couldn't operate in a conversation with a human probably because they're not just children i didn't have a car at the time so dude i didn't have a car at the time so you laughing about not having a car i was driving no you're what you said and so i was riding a bike it takes her 30 seconds to process yeah so have a i was ready i mean go go go go go go go i mean let's let's get through this let's get through this go go go just go right let me i was riding a bike and it wasn't really the vibe so the school i was working at yeah it wasn't how have you made it this far in life i'm literally trying to tell you but you're saying it's not possible and that it's not a reality and i should agree with you but like i'm literally sitting in front of you like a walking i'm sorry please continue my perspective it's what it's one of my bad traits that i interrupt a lot please continue it's okay interrupting chicken anyways so i did not like riding the bike and i didn't know how to get to my second job so i was catching an uber so i'd ride the bike to my first job at the school i'd work all day ride back catch an uber go to my second job at the gym and then like that just wasn't doing it for me i eventually got a ride from a co-worker to and from the school and then i was in the rain one day trying to ride my bike i didn't know how to get across the freeway or under i said it quit over the phone so what was the question what jobs did you file taxes to so i had those two jobs i'd possibly they were w2'd so probably maybe but even maybe not for you but i'm talking about this stuff this isn't make more than you have to make more than like 5 000 or 7 000 how much have you wait are you saying you didn't even make five thousand dollars last year well i just set those jobs individually listen this nanny stuff is not w2'd so you have to claim this as income and pay it later the taxes when i figure what you're saying you're when you figure out you could plug it into turbo tax they make you do it i'm not even advocating for them but oh there was an error in this you need to redo it or call them and figure out what the to do or talk to a cpa yes call email huh i don't know that stuff you don't know how to call customer support to a company i do i don't know to call or cpa or get help like turbo tax is like an app i just see it as an app do you do turbo tax not anymore we're beyond well maybe turbo tax life help me with whoever does your taxes you get to sit down with a free financial advisor at domain money because you came on the show and everyone in the audience also gets a free session if you use the link in the description below but you could do that so maybe start there when's the last time you actually filed taxes for this nanny income because you were doing nannying in california when's the last time you filed taxes can you can you please tell me no i'd have to know that the last time when's the last time you're confidently you filed taxes uh when i worked at the casino they gave me a w something no no from the nanny income claiming the nanny have you ever claimed the nanny income i i'm certain you have okay when when's the last time you're confident you claim to the government you told them you i'm making this much a nanny income when i did the casino job when was casino job 2022 oh so two years ago so we probably haven't filed in two years for the nanny income yeah now that you would pay too much your tax bracket's not substantial i mean i remember the first time i went to do this i was like oh i didn't even make enough money to even file taxes so not going to do it and then it was like well you just fly under the radar let's not fly under of the radar you at least have to report what you are making and then whatever bracket you fall into realize that it's like okay well how do i do this turbo tax numbers it's like a lot state in california which is a progressive tax system so it would still be very little if any i don't know their tax brackets i haven't lived there i had money back from doing my taxes probably probably but you also haven't claimed all your income they probably thought you were much lower than oh my okay 30 minutes now and we haven't haven't what i'm just trying to just like assess where you're at and it's uh you have it all in front of you look at the papers you need to get like i think you need to like tone it down that probably was inappropriate i don't give a about inappropriate i will be the most inappropriate person in the world my audience is not filled with a bunch of performative pearl clutchers pearl clutchers yeah try to say it again pearl clutchers crushers what'd you say that's what i'm trying to get at what is that okay okay there you go yeah once you make uh up to eleven thousand dollars which you make before that but for the income you make up to eleven thousand six hundred you have to pay ten percent uh of that your income and then you don't make up to forty seven thousand but for everything above that eleven seven thousand six hundred one dollars you'd have to pay twelve percent of that income in federal income taxes you don't have any child so you don't have any child tax credits you do have standard deductions and in the standard deductions would you owe much probably not uh in your income scale if any you might get some back you might not but you still have a bunch of words i don't know like really fast you gotta like really break it down here i don't know if we're gonna be able to like get through this then because i mean this is kind of basic stuff they did at least teach this in school in terms of like you have to pay taxes at some point i went to private school then they really should have i don't know you went you come from wealth i wouldn't say private school is not cheap i don't know i would say my parents are middle class you went to private school yeah k through college k through college yes sir did they pay for college well partially yeah in my books they're rich okay okay are you kidding me private school and you came out like this pretty good are you taking this seriously as serious as i could take finances then why'd you come on the show because you seem like with it no because everything we've talked about so far you're fighting do you not understand that no i do understand that what we're fighting and arguing about is like our perspectives of the things and like literally the notes and the things you mean by it no i'm just trying to get if you've paid taxes that's not a perspective thing i don't know i told you that i know i'm not hiding it i don't know if i've paid taxes in the last two years four times since i started working in 2017 yet now we know you come from a very privileged background yes and it's showing immensely very good because you've never had to put any work into anything or sacrifice anything ever in your life nor witness anyone go ahead what have you sacrificed i go ahead and say about the sacrifice i have of course not for things yeah what's your hard work go ahead well first off i do watch children have been doing that since 25 hours a week okay go on for you you're very smart but for me high school was difficult college was difficult actually made it through got those degrees not everybody hey i don't have a college degree okay Okay, so I suck at school.

30:13The format of school does not vibe with me. Doesn't vibe with me either. Okay, I'm not crying about it. Go ahead. I'm not crying about it either. However, I'm saying I have done hard things. That's your hard things is going to school for sake. Okay, yeah, you've never experienced anything. 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.

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31:25And finally, you can too at a more affordable price. Head to calebhammer.com or click the link in the description below. You will not regret this. you've never experienced difficulty wow a structured system where i had to take classes that was my hard little wife oh well if you don't want to go to college and it's something that you are required to do have to do doing something you don't want to do is hard it takes right like in my opinion you have to have the will to keep doing it knowing you don't want to do it and you can walk away at any moment you could walk away at any moment and quit 100 and i didn't so sounds so privileged.

32:04Is that funny? I do find it funny that you're grossed out that I come from privilege. No, no, no, no. It's looking at you right now. Again, the reason why, and this kind of stems back to our first conversational point now, it's all coming together for me and likely the audience as well. All this that you're saying makes so much more sense that you have no fear about what can happen if you don't get to a basic financial security point because you've had nothing but privilege. You've never experienced real hardships in life you've never experienced real struggle and because of that you don't know what it can be like you don't know what it's like on that other side how do you think that any individual goes through life and doesn't experience their own version of struggle and yes but your version is light your version is life light easy it's diet life light is that what you're saying like it's an easier route yes so pain objectively well no pain for you and pain for me might be unsure we're comparing them yours might be worse than mine but we're both experiencing pain like if this isn't a trauma competition no one's saying that but you cannot compare getting foreclosure notices on your house growing up to getting having to go through private school and taking quizzes if you are putting those on the same level but you're comparing them i'm saying don't compare them i'm moving on i'm moving on this is so pointless this is so stupid we're gonna disagree about it but you asked me a question i'm giving you my answer and you don't accept my answer no i don't because it's bullshit okay well as easy as it can possibly be i don't know how you want these conversations to go do you want to keep asking me questions and me lie to you like do you want to give you the answer you want because i'm i'm telling you genuinely what it is for me and my perspective no it's your it's your inflexibility you can have a delusional answer but if i can at least get you to the point of a relatively decent worldview on why you should have an emergency fund as simple as that okay i can agree with you that i need an emergency fund however the fact that i haven't had one and don't have one i'm going to tell you my rationale and the reasoning why and at the end of the day i probably still don't agree that you need those things the end of the day you need sunlight water food right i hope for your sake in your life your parents cut you off at some point this is the most privileged take i've ever heard it's gross it's immature yes the fact that you think you don't need an emergency fund absolutely because you've been nothing but babied your entire life absolutely because you have a little prettiness your boyfriend's taking care of you because your mama and daddy's little girl they've always taken care of you you've never had to deal with anything i'm done with this 13 709 dollars on here 343 minimum payment a substantially large minimum payment again 2500 is what comes in we don't set anything aside for taxes not that much would be owed in the end anyway but we know that you are in tax brackets tax brackets that have to owe money but with standard deduction who knows what you would actually have to pay in the end but even let's just say 2250 is what you have left currently this minimum payment is over 15 % of your income, one minimum payment on one card.

35:20So what do we do as a responsible adult who is trying to take care of ourselves in any way whatsoever? Of course, we make, you know, double the minimum payment, but then we purchase$207.72. Well,$322 of interest is accruing, meaning even though we put$608 towards it, only$69 actually went towards it. guess what you only do the minimum payment on this card and you don't purchase anything which is by the way better than what you're doing currently because you're still purchasing on it but let's just say you do that how long do you think this takes to pay off if i did only the minimum payments and you don't purchase oh she figured that one out um five years okay 57 years oh yeah and you're not living till then so well then maybe nothing to worry about

36:20why because it's gonna be so long that it doesn't matter yeah then then again why come on the show like if that if that's your mindset the possibility of another route than the route i'm taking and going on but that route doesn't scare you you don't care that you would have to pay a minimum monthly payment on here of a substantial part of your income because you barely make anything for 57 years reality scare me no no no of the different no this is your reality but that doesn't scare you that basic fact no i don't know why then what's the point of this i'm not talking about fear because the possibility of being able to do more of what I want and I really want to have children.

37:09You want to have... Yeah. I've been building the skills since 2017. I've been a nanny. You've been what? A nanny. Building the skills. Oh, I heard Skittles. I was so confused. Okay. We're good. So 57 years doesn't scare you because you have a relatively decent chance within the next 20 years of drowning in a glass of milk or something. And by the way, the entire thing you would be paying is$123 ,000. Okay. So 10 times your balance on here. You'd be paying that in total if you only did minimum payments without purchases, which is better than you're currently doing. What are we purchasing? Amazon, Amazon, Amazon.

37:55Went inside some Target. Got something. Doubt it's groceries. I bet you haven't even seen a vegetable. Be scared. You think it's for horses. Starbucks. I am a vegetarian So it is actually mainly Actually Well I could see that Yeah it's all coming together You sure you're not a vegan? I have been but no Bite the bagel Starbucks Went inside and got some bulls From the gas station What'd you get for$17.81 Inside Inside this What's the gas? You went inside Inside the gas station Oh yeah you went inside Got some gas station vegetables Oh no Oh white claws Of course Yes Yeah pull up your Amazon for me Let me see what you got Well, to be fair, it is not just my Amazon, so it will not just be my purchases on here.

38:40Okay. Are you sure when you think you are showing up to take care of children that you are not actually being put in that group to be taken care of? A hundred percent. I am definitely the one in charge. Unless that is what they have told you. Who told me? Are you sure it's not a Shutter Island type of situation? I would have had to seen that movie to know what you're talking about. But you would have been lost immediately. So don't worry. No, I'm just being mean. Stop it. Stop it. The thing is, you're being mean. I'm not catching it. I think you should say it like facts. It's going over my head.

39:18Stop it, please. You can't. Don't do this. You can't do this. We got a drink mix. Some woman balance. We're balancing out our womanhood. Nutrition oat or Nutrim oat. hydro sensitivity sub out razors gosh it's all supplements and oh wait cat treats and then yeah it's either cat treats or supplement and protein my mom's purchases what are yours because we had a few hundred bucks spent on Amazon in here what did you get did I buy oh I got protein powder I got creatine I got a scale and like one of those food scales. Like a smart food. So literally the stuff I called out, you're like, no, they're only my mom.

40:04Okay. Well, the ones you said, yeah. Yeah, I did a 27.74 % interest rate. Well done. Thank you. You don't like classes. So even if I give you our debt class, investing class and stuff, you're not going to take it. You'll see the first quiz. Because you'll take the first quiz because you said your big struggle in life is you had to go through school. You're going to see the first quiz and you're going to run away to mom and dad crying. you guys can get all our programs for 15 % off bundled and actually take it on like her she'll get them she probably won't figure out how to open it in her email address i'm being mean i'm being mean maybe i'll just call the support line we don't have a support line it's a support email oh well maybe you could have someone we are not a multi-million dollar company we are trying our best here to do what we can do car max so we have a car this is your car that you brag about that you're able to drive very proud of you thank you glad you're able to make that see there it is do you understand that i'm insulting you right now when i say that well you might be insulting you but what i'm okay okay different like i can drive a car i think i need to reassess this conversation okay for the productive sake i have been treating you like a genuine adult and just like like insulting you because adults shouldn't have that but i think i need to stoop this down to a 15 year year old level instead of making jabs at you i think i just need to baby you through this because i don't think you can that's what is better for you by all means go ahead okay they they're saying i should back it up to at least 10 years old

41:39as you need go ahead no for for the sake of you and for the sake of the video too so it's not a waste of everyone's time no i'm being genuine i know you are and that's why i'm saying and that's why i'm saying i need you to back it down okay and no longer treat you as an adult treat it like we're in grade school can we have some grade school music playing makeup please i think we need this and this is uh and coco melon financial audit hour should we animate this section that would be sick so this car what is this what is this car that you have that you i have a chevy tracks lt wonderful what year 2018 i don't know you don't know i'm not sure i got it last year okay it drives i made it 30 seconds end of trying to be nice i can't no you're doing a really good job i'm enjoying it i'll say 2018 works for me

42:402018 Chevy Trax LT okay yes you have good self-restraint $16 ,436 on here it's at a 15 % it's at a 15 % interest rate yeah I applied and got approved accepted all by myself so did it by myself thank you shake my hand I'm very proud of you well done this is so good you've done such a good Good job, sweetie. Oh. Okay. I'm treating you like your parents. Oh, good job. Which actually hasn't helped you. So maybe we shouldn't do this? You want to go ahead and baby me because you can't handle your emotions about how I'm responding. By all means, go ahead. Ooh, a little c***iness. I mean, just saying.

43:24I didn't have a problem with your reactions, but you were having a problem. No, I just felt like you weren't getting anything from it, which is what made me concerned. I think I'm getting what you're saying, but I'm responding as the way I'm going to take it, right? like you're gonna why why not try to learn anything what's wrong with trying to learn anything job and be like actually like that is really actually a compliment like you're not saying it that way but i took it as a compliment what is wrong with walking away from what someone has ever told you and just like potentially embracing it i'm an absolute dumbass in 99 % of life i'm pretty good at this part because it is something i self-taught and learned from a lot of other people if i am a dumbass at something like cooking for example maybe i should listen to what chef jake over there maybe i would listen to him instead of be a defensive little when he tries to tell me anything okay oh the 10 year old went out the window no it's done it's done okay it's done because you started to be in a so i'm gonna treat you like a adult okay i don't know what i'm doing here i'm losing it are you feeling overwhelmed by your financial future whether it's planning for retirement saving for a home or managing your investments, navigating these decisions alone can be really stressful.

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45:51If you're ready to take control of your financial future, visit domainmoney.com slash Caleb or click the link in the description to book your free strategy session. Caleb Hammer is a current client of Domain Money and has received cash for a free plan as compensation for this endorsement. Therefore, has an incentive to promote Domain Money. See important disclosures at dmnmny.com slash co slash x. No, no, I'm just losing it. You got this. So I would listen to him instead of being a defensive person. Okay? You're allowed to listen here. I will listen. Yes, but you're allowed to absorb it and potentially change your mindset.

46:28That's what I'm saying. that's what an adult does when confronted with new information even if it challenges their worldview that takes time right you're talking to me in real time while i'm processing the things you're saying and then what i have to sit on it so at first like i'm giving you my genuine response my genuine answer 2025 the year of not kicking off guests 2025 the year of not kicking off guests 2025 the year of not kicking off guests it is 2024 still you are uploaded to 2025 i'm trying I change things in the mood of the Christmas spirit. 15 % interest on here.

47:02Do you know that that is bad? Yeah. You do know that. Well, I've heard that it's supposed to be lower. But when you look at my credit cards. Like what number? Yes, of course. I've heard like, well, possible five to 10, three to 10. Am I getting closer? There's no way. The first numbers you were saying. No, no, no. If we're like under four or five. Okay. Well, those people probably have like good credit score or like maybe a cosigner. It's not just about that. It's just about understanding money down. Okay. It's not, I'm not even just talking about that good credit score or what to achieve. Oh my.

47:41I'm just trying to make sure you understand what is a considered a good and not good interest rate. Okay. Okay. I'm just trying to get you to understand that. Mine is not good. Yours is not good. But again, I wanted to ask you what you consider good. And you're saying even up to 10%. No, no, no, no, no, no. If we are like 6 % or up, absolutely not. Okay. Mine is not good. How can I get it good? It's less about that. I just wanted to make sure. I don't think you can because your credit score is not great and interest rates are not fantastic right now. Okay. But the$435 minimum monthly payment is very scary for your situation.