The Dumbest Guest In Financial Audit History

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24:09Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. Don't ask me. That's his program. I am asking you because that's odd. That's how he runs his business. That's not my business. That's his business. Well, it's impacting your business, i.e. your entire life, because that's the person who advised you to be f***ed with your house. But go ahead. Continue. No, he just told me in regards to when I was closing the loan and everything that that was going to be on there unless I refinanced or, of course, that I had enough equity.

24:44Refinance when you have an equity position. It's an f*** to you having equity gained. And there has been some equity gain, and I'm just waiting for it to keep going up. It's just something I need to do. Waiting for it to keep going up, let's find the f*** out. But it's something I need to do. It's not something I'm doing right now. It's not something I'm working on because it's not possible right now. But it is something that I need to do. Also, the mortgage insurance is not going to be what makes or breaks your 70 % of your income. It's another$1 ,000. Huh? It's another$1 ,000. A month? Yes. Your PMI is$1 ,000 a month?

25:15The mortgage insurance is$1 ,000 a month. You didn't send us your mortgage statement? Yes, I did. What the f*** is wrong with you? Yes, I did. Type in your address, lady. You're going to jump around. The f*** are you talking about? If it's$1 ,000 a month, it should be damn paid off almost immediately. You're incorrect, I've heard. 7 % rate. Okay, total amount due. Let's see. How is that broken down? It's 200 bucks a month. What is wrong with you? You have no idea what you're talking about. Did the advisor tell you this? No. So what the f*** are you talking about? You sent a statement. You're able to look at a statement.

25:52Why are you so broken? Honestly, I don't read that.

26:00Then how the f*** can you confidently tell me a number? Honestly, I don't read that. Because it was based on the numbers that I was given when I closed the loan. What numbers were you given when I closed the loan to make you think it was a thousand hours a month? So, no, that too— It gave me the breakdown of the full payment. Psst, psst, psst, psst, psst. I have your full payment right here, you tit. So, I don't think refinancing is honestly really going to save you much money, if anything at all. You have an 8.5 % equity position in your home. 8.5%. You're not getting to a point where it would be 20%.

26:33I told you it wasn't I. So, what the f*** are you talking about then? It's just something that needs to be done in the future to help me. But why? Your PMI will probably be paid off by then. I don't know. I'd have to look at it when the time comes. Look at what? You don't look at anything. You didn't even know what you were saying. So I don't look at my mortgage statement every month. Yeah, but you told me how you would save money. It was based on what the numbers I saw when I closed the loan. The breakdown that they gave me of my mortgage payment. And how much goes to mortgage insurance. And how much is my rate and all that stuff.

27:01And that's what I based it off of. That was the number that stuck in my head. And then you also said something weird before I cut you off. Because I just needed to get information. You said you spend money on like witchcraft or something. of something stupid? Yeah, so actually, um, I brought a spell. So, um, I would love to do the spell so we can go ahead and assist me with clearing up the step. Yes, sirree. Thought about killing myself. I don't think that's what's going to actually do it, so f*** you. What do you mean? I mean, I brought everything. Hey, has that helped you yet? Well, to be fair, yes.

27:36Because this is a money ritual spell that I brought. And so with this money ritual, usually when I do a money ritual, I always ask. It has never worked. Your money's gotten worse. Anytime, let me finish. Uh-huh. Anytime I use a money ritual, I always ask for just my bills to be paid. Uh-huh. I never ask for additional stuff. I always just ask for the bills to be paid. This is a specific money ritual where I'm going to be asking for a specific amount of money, which is to clear up my debt. Why don't you just, you know, do work? I do work. That's all that's required.

28:17Doesn't smell like anything. It's chamomile. Smells like chamomile.

28:28Okay. Very good. I'm proud of you for not actually doing anything. It does do something. Because again. Why don't you actually just go do shit? I do do shit. This is another way to help. It's an additional support. Like I said, I've never asked for a specific amount. I've only ever asked for my bills to be covered. Why don't you go earn a specific amount? I do earn a specific amount. Girl, I'm not going to. We're not doing witchcraft in my studio. Why not? This is what I think of your witchcraft. Oh, fuck you. You're a disrespectful Absolutely We ain't doing that shit here I'm not allowing that bit What do you mean?

29:08I mean thank you for sprinkling me in chamomile There's nothing wrong with that Yeah you look great But I know it's amazing I'm a fairy I'm not allowing it I know you wanted to do a little bit Fuck you Why not? I'm not having you do a witchcraft in my studio That's not happening There's nothing wrong with it I'm not having the studio tainted With things I don't even understand It's not tainted If you are going to make money to pay off your debts You are going to earn money. You are going to budget your way through it. You are going to change your behavior. You're going to be an adult instead of trying to find some shortcut through witchcraft.

29:39It's not a shortcut. It is support. And who's childish? You just threw it at me. You're damn right. So who's the childish one? I'll take some childish for that. But you're going to be an adult going forward. And you're going to get your shit together like a real human. My shit is together. All right. And witchcraft. Close your eyes. Exhale. Feel your body relax. and let go of whatever you're carrying today. Well, I'm letting go of the worry that I wouldn't get my new contacts in time for this class. I got them delivered free from 1-800-CONTACTS. Oh my gosh, they're so fast. And breathe. Oh, sorry.

30:12I almost couldn't breathe when I saw the discount they gave me on my first order. Oh, sorry. Namaste. Visit 1-800-CONTACTS.com today to save on your first order. 1-800-CONTACTS. It's only gone up. You lose tenants left and right. Sometimes they don't even pay. I do not lose tenants when left to right. It was one. It was one tenant. Sometimes they don't even pay rent. How long have you owned your house? Two years? Sometimes they don't pay rent. There's only one tenant. Yeah, that's still big. And you can't afford that. And your debt only goes up. You spend your money on traveling four times a year.

30:44What the fuck are we talking about? Obviously, none of this makes sense. You are not acting like an adult. Of course it doesn't make sense to you because you haven't lost anything. You're not acting like an adult in your life. What is an adult? What is the definition of being an adult? One, you couldn't afford this mortgage. You got a mortgage that has 70 % of your income. That's... I pay it. Well, you pay it with PMI, meaning you didn't even put enough down, honestly. 3.5 is what it was required. Yes. That doesn't mean it's good for you. What do you mean? If someone offers you meth on the side of the road, it doesn't mean it is good for you just because it is there for you to take.

31:20I mean, you could take it and then resell it, and then it is good for you because then you get some money. Is that what you do? No. What the hell? Then shut the fuck up. You're the one who brought up meth. I'm just going with your example that you gave. Yeah, but you're taking it in a stupid direction. I'm just saying because something is available doesn't mean it is good. Unless you use it for good. My goodness. How is this logic so broken to you? I don't understand. This mortgage is likely something that is. How's your relationship with the tenants? Good. Okay. And how long has the shortest tenant been there?

31:50He's been there six months. Okay. We'll see. Month to month, people are usually in and out. We'll kind of see. and you got to find someone instantly. And even still, it's 40 % of your income. Again, I don't believe that you don't have children, but I'm glad you're at least taking care of them. I don't have children. But they don't exist. I'm being told you don't even always do background checks on them. No. You won't rent to women? No. Why, you're trying to get a little bonus here and there? No, they're just men are easier to deal with than women. I have experience with tenants being women and it's a horrible experience.

32:22This sounds very sexist and very generalizing of a half the human population. It's been my experience. So that's. With how many? Five different women. That have rented from you? You said you've only had one that was a failure. So what the f*** are you talking about? So I lived with my mom and my mom rented rooms and I assisted her with those tenants. Okay. Were you guys doing background checks? You don't even do background checks now. I think that would be the failure of you as the landlord. I wasn't the landlord. My mom was the landlord. Those are the female tenants that she got. And were you doing background checks?

32:50Was I? No. Oh my gosh. Okay. So you're going to blame it on them being women? They were only the women that we were having issues with. I love to be sexist for fun as much as everyone else, but you're being a f***er right now. What do you mean? It's just the truth. It's what I've experienced and I went based off of my experience. Okay, so how do you get your tenants now? I have the website set up through, what is it, for travel nurses? So it's people that really are going to be in and out. Yeah. Oh, for f***ing sake. I have that website set up and then I have the Facebook marketplace. Has it ever gotten weird with any dude?

33:21Nope. I have security cameras and guns. Yeah, but you also seem like, again, someone with like 50 men that have birthed children inside of you. That's so weird for you to say that. I guess it might be. That's fine. You look like a giant man baby, but I mean like. Man baby? What would that even mean? You look like a child, but you look huge, so you look like a man baby. Look like a child? How? You look like a child. You look like a giant man baby. You look like somebody stuck a face of a baby and put it on a child. I have baby face? Like a man baby. Baby face? No. Baby face and man baby are two different things.

33:58Huh? Baby face and man baby are two different things. Explain man baby to me because I explained how you look like a whore earlier. So explain to me how I look like a baby. You really didn't explain that. Explain it with the smell. Everyone knows the smell. The smell of the person. I still don't know what you mean by the smell. It's not an explanation. Smell your hair and you'll get it. Yeah. It is the smell. smells like shampoo. That whores wear when they're covering up from the cigarette in the morning and the alcohol from the previous day. It doesn't smell like shampoo. No, no, no. No, no, no.

34:27It does smell like shampoo and curling cream. That's what it smells like. So what are we doing then? If you don't care about your future, then why? Why? What are we doing? Because there's no point of sacrificing. We're just living life. No, but there's no point of. And I just want to enjoy living life. Okay, well, that's a different show. But I just want to enjoy it the way I want to enjoy it. How do you want to enjoy it? With only having$2 ,000 with debt. But there is no point of sacrificing the sacrifice that is going to be required if you're not going to live a long life to enjoy it. But I'm already enjoying it.

34:52Yeah, but you're not – if you want to get to the$2 ,000 a month and pay off this – what was it? I forgot how much debt it was. But like tens of thousands of dollars of debt, you're not going to be enjoying life for a good long while. So what is the point of this large sacrifice that is going to be required that we've all gone through, those that have been in bad debt like I was and got out of bad debt? Oh, my gosh. Twice? Great. Good job. This will be my third time, unfortunately. Well, that's even worse then, actually. But what's the point of going through all the sacrifice? You probably just took shortcuts last time like you just tried to do with your magic spell bullshit.

35:25But what is the point of this hard sacrifice, long sacrifice that will be required for this better life if you will not be long around to see it and have the energy to be able to participate in it? How do you know what kind of energy and how long I'm going to live? Because you're fat. So? That means you're going to die earlier and your energy levels are going to be less. I don't know. Yes. Don't think so. Science does. Grandparents died at 99. Okay, how fat were they? Don't know. I don't, I don't partake. I don't, I'm not checking people's BMI like you do. I'm not over here doing that for every person that I meet.

35:57Yeah, but that is very dependent on the statistical likelihood of long life. Your grandparents, it doesn't matter if you're related to them, if their lifestyles were good. No, their lifestyles are horrible. How do you know? You just said you weren't checking. Just, I wasn't checking their weight. You couldn't tell if they were fat when you looked at them. I told you I'm not fat. So that already gives you the description of what I think that is. You know you're fat though, right? No, no, no. I need to be very clear. Like it's not joking roasting anymore. Like I need to be very clear for the sake of health and sake of everyone out there.

36:25You cannot think that this is considered normal. I'm not fat. I'm not skinny. I'm not fat. You are fat. This is not an insult. I want to be very clear. I understand what you're doing. But we cannot do fat acceptance. It is not okay. I wouldn't consider you fat either. Girl, I'm obese. Wouldn't consider you fat. How do you know what's good for me? That's my opinion! It doesn't matter what you do. Science does. It is not healthy. We are not going to live long lives. My energy levels are not as good as other people. My resting heart rate is not as good as everyone else. I am more susceptible to high blood pressure and diabetes.

36:59So are you. These are not good things. And I can, this is not the point of this conversation, but the fact that we got down it, I need to be very clear. And it is important for those watching. Accepting this as not fat is just not the real world. That's not the real world. And that is not okay. It's not acceptable. and it is not healthy or normal. What do you want me to tell you? I'm not fat. I was hoping maybe you'd kind of come around and be willing to try to live just, whether or not you live a healthier lifestyle is up to you, but to just accept this as healthy is kind of unacceptable. I never once said healthy.

37:32I just said I'm not fat and I'm not skinny. Now that we're just on the topic, I really can't allow people out there to, the fat acceptance movement has led to deaths and horrible health insurance premiums for all of us. Yeah. That's why I don't have health insurance because I can't afford it. Oh my goodness. Oh, f***. That means you also could not afford your mortgage. If you can't also afford your health insurance while having tenants with a mortgage, you could not afford this house. I couldn't afford health insurance when I didn't have a mortgage. Then you definitely could not afford getting a house if you couldn't afford health insurance.

38:02Health insurance is really expensive for me. Girl, you make$90 ,000 a year. You can afford health insurance. No. Yes. A few hundred dollars a month for like the minimum basic care catastrophic coverage? Yes, you could. I can just go to TJ. What? TJ? Max? TJ, no. Mexico? Tijuana? It's an hour and a half away. I have an affinity for Mexicans. They're like my favorite people. I love Mexico. And I just get my medical done there. That is not what is... They're not flying you to Tijuana when you have a heart attack because you're a fat f***. Who's flying? You drive. You're not driving an hour and a half when you have a fat heart attack in a decade.

38:41Okay. No, I'm saying in an emergency, you get in a car crash. In an emergency, you have a stroke. In an emergency, you have a heart attack. I'm talking about catastrophic things. Yeah. You are not going to Tijuana. If I have to, yeah. No, no. Oh, you're broken. Oh, you need health insurance just to go see a mental health person. Can you not comprehend what I'm saying right now? You will be rushed to an emergency room and you will be. Well, if I'm rushed to your emergency room and I'm, I'll just go to Mexico afterwards. I don't know what to do with you. What is this brain? What is this brain? What?

39:19I just want to clarify. You don't believe it is. So you say it's impossible for people to be debt free when I have$2 ,000 to debt at all time. You're not fat and you don't need health insurance. So these are the four pillars of truth that you are basing your entire life on right now. Yep. So, Lindsay, this is Riverside, California. This is what they teach out there? I mean. In the desert between the two. No one teaches you finances out there. Well, no one teaches finances anywhere, to be very clear. Okay. So why'd you ask what they teach out there? Okay. All right. And I know from the notes, you've also like, just, just like you buy crazy.

40:04And like at one point you literally just spent 800 bucks just in one go. It's like, and you're telling me you can't afford health insurance. You. How much do you spend in a month? I have the actual answer. So don't lie. Right now? Yeah. 200. And you're telling me you can't get catastrophic health insurance coverage. No.

40:25You smoke too much. You have gone. I do not smoke too much. I have dropped down a lot on how much we've smoked. If you're able to wash this back and comprehend what is happening right now, I need you to realize you smoke too much. You have lost it. I do not smoke too much. Okay, keep saying that. And we'll see if that makes it true. Let's search your state. How much would catastrophic health insurance at the lowest price possible in California cost for a 29-year-old overweight woman who makes 90 ,000 hours a year before taxes. Let's chop some rates, shall we? I'll never understand that acceptance.

41:12There's minimum plans by county. Covered California publishes them. Covered California screws up your taxes. It publishes minimum plan premiums by county, though. I'm not saying you sign up for it and do all that. Lowest minimum shows$211. That's through Kaiser. HMO coin. I'm just talking so you don't get fucked in an emergency. That's$211. I get$11 more than you spend on a monthly basis. And you're telling me you can't get health insurance? Fuck you. You're being an irresponsible child. I quoted through Kaiser and it came out to$400. I just pulled this, you dumb tit. I did a personal quote with Kaiser and it came out to$400.

41:49Yeah, I'm talking about catastrophic coverage, dude. You sell insurance for a living. Yes, I am aware. You have no idea what the fuck you're talking about. I don't sell medical insurance. You just don't know what the fuck you're talking about. You know you can get, you can go through different, oh my gosh, third-party platforms and whatnot. And California is very helpful when it comes to health insurance. Okay. What do you think your financial score is? Zero to 10. Zero being absolutely horrible, 10 being absolutely incredible. I think I'm like a good six, seven.

42:27I hate you. Thank you. If you want your financial score, get it at calebhammer.com. See where you stand in the world of money. It is free. Only takes a few minutes. You see where you're doing well, where you're doing poorly. What you need to do to improve will help you. So take it for free at calebhammer.com. And if you don't want to be like a guest who ends up on the show, obviously you're going to need a lot more than this for this type of guest. But make sure you download the DollarWise budgeting app. new features being added every single month. It is literally incredible with tens of thousands of monthly active views for a reason who are changing the life.

42:57Join them. Sign up for the free trial. See if you like it. Most people take the annual version because it saves about 50%. And when you do only through March, I will personally sign my budget-friendly cookbook mail directly to your door. After March, it's gone forever. Gone forever. Aaron Hernandez. Can't be purchased. Can't be anything. So make sure you sign up. DollarWise.app. All right. Let's jump into these finances, shall we? Freedom card. What's going on? The freedom card. That is the card that I would use for all my daily expenses. Would? Yes, would. You didn't just purchase$2 ,437.62 on it?

43:35Did I? Oh, well, yeah. I went Christmas shopping for my family.

43:45why is that more important than your entire future and the goals you're trying to do for yourself you don't have children so you don't have to take care of them you don't have to give them a christmas what the are you buying for not required not in any way whatsoever what are you doing what christmas are you buying for who are you buying for you i bought from my mom my dad, brother, my sister, and mom, niece. That's all stupid. That's all stupid. They don't matter. Niesa Allah may be a gift. Don't be disrespectful now. Being disrespectful. Absolutely. I don't care. Who are you? I'll be disrespectful.

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44:55It just takes a few minutes to sign up and with automatic savings tools like roundups and direct deposit splits, it's like a set it and forget it money move. Oh, and Chime lets you get your paycheck up to two days early, so your bank's dragging its feet, but Chime has already moved on. But the best part, right now you can get up to$350 with a new Chime account when you sign up at Chime.com slash Caleb. The new year is right around the corner, so get it done before then. You can scan the QR code on screen or go to the link below or Chime.com slash Caleb. Let's get to the show. Want to know a dirty little secret?

45:26And no, I'm not starting an only. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money is going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try for free plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back.

46:00Click below to get started. My show. Okay, and? I'm being disrespectful. The fact is you do not need to buy your mother and father and cousin and sister and all these dumb ass motherf***ing gifts. I know I don't need to.

46:21Why'd you do it? Because I wanted to. So that's more important. It felt more important. Felt more important? Mm-hmm. Well, if it is, then it's more important and the conversation is done. And that's fine. Listen, I will accept any. I know the holiday. It happens every year. It's not a surprise that pops up. It's not something that happens every single month. But something happens every single month. And the fact is, the credit, with where you are in your debt, with the month before this, with the month now, your debt's staying about the same. There's always a replacement. Next month will be a vacation.

46:56That's what's always going to happen. Christmas is not a surprise. This isn't something that, oh, it's Christmas. Like you intentionally did this and it happens every year. It's going to happen all the years for the next couple decades that you stay alive because you're fat and no longer than that. It will always be there. I don't think it will always be there. Christmas will not always be there. It's because I don't do Christmas. Wait, what? Come on. I don't do Christmas like everybody I don't buy gifts once a year I buy gifts every two years and this was the year of gifts What are you even talking about?

47:30That is a you thing You do not have to be a complete moron I know it's a me thing I never said it wasn't But you don't have to Then why excuse that? Because that's what I want to do for the people that I love No, they care for me and they help me You can help them in so many different ways and what do you, you can give, oh my gosh, listen, you can do thoughtful things that don't require thousands of dollars spent that get you away from your goal when you're barely even able to cover your own f***ing mortgage. And you're definitely getting worse and worse and worse and worse. And sometimes I do those things.

47:59And that's what you should have done. How much did you spend on Christmas, you f***er? Um, probably those thousand something Christmas, yeah. No, but, but no, no, no, on this card alone you spent$2 ,437.62. Yeah, there's other charges on there. Other than Christmas gifts. If you only make your minimum payments, which I don't, and you do not purchase what you're incapable of, how long would this take to pay off this card?

48:34If I just do the minimum payment? And no purchasing of what you're incapable of$110. $110. It doesn't matter that you put a little more towards it. you put$400 because you spent$2 ,500. So shut the fuck up. If you only make your minimum and you do not purchase, of which, again, you are incapable of, what then and how long would it take to pay off? Well, I don't know. What's$110 divided by$4 ,000? Because that's how long it would take me to pay it off. How long do you think? I'm not doing math in my head. Girl, my goodness. I'm just trying to see your assessment of your financial situation. I don't know.

49:08Maybe a year. Of where your brain's at. Maybe a year. Okay, it takes 14 years. The rest of your lifespan. Why would it take 14 years? I don't ever pay minimum payments. So that's why. It doesn't matter when you purchase, literally, what was it? Five times what you put towards it. You purchase five times what you put towards it. I don't care if you put more than your minimum payment. If you put five times what you paid towards it, it doesn't matter. I don't always put that much. It just happened to be that much because of Christmas. Goodness. You said you only spent a thousand on Christmas. so so then you would have spent an extra thousand four hundred thirty seven outside of Christmas anyway when you only put four hundred fifty eight towards it so shut up you still put three times no no no no no no yeah yeah three times what you put towards it on bullshit that was outside of Christmas so what are you talking about it wasn't bullshit it was things that I needed your balance is over the credit limit you huh is it that important it was to me that is because we've already established you are a broken individual who needs to seek mental health care immediately.

50:11It's all bullshit. It's literal all bullshit. You, you are, you are insane. TikTok shop, which casket? What are we doing? What are we doing? Google microphone, shut the up. What is micro fun? Spring is here and there's a whole new way to chai at Starbucks that's made perfect for you. Choose your sweetness, dial it up, or keep things light. Add a touch of pistachio, a hint of strawberry, or vanilla, or make it a spring classic with lavender. Because this season, there's endless ways to chai at Starbucks. It's a game. Doing? It's called Gossip Harbor. And? It's a little game on my phone. You just make...

50:56What do you do? You just make what they ask of. Like the, there's like people, they ask of things you have to make them and create things to unlock things. And you pay for this. I paid as a distraction. What were you distracting yourself from? My grandfather passed away. Well, that is sad. So I use the game as a mental block. Normally I can only - Do you not have a therapist? Do you not have friends? Do you not have a support system? Because you need more healthy coping mechanisms than destroying your entire life because something truly sad happened. I do have a therapist. I do speak to my friends.

51:26Okay, then what the fuck are you doing? because destroying your entire life because something, again, I will say, is very sad and I'm sorry that happened. But you do not destroy your life because of it because then you have double bad. It was... It makes it extra hard. It was definitely a difficult moment for me and I fell into the just wanting to block out my brain. So that's what happened. Because normally when I play the game, I only play it... What's that? What is that? Shia Exaris? Sia Hexaris? What? S-I-A-H-E-L-I-X-I-R-S. Ah, it's body oils. Anointing body oils. For what? Witchcraft. Are you actually all into that shit?

52:10Yes, I am a witch. It's not just for fun? No. It runs in my family. What? Yes, it runs in my family. I have aunts that, you know, do cleansings and see dead people. and um they see dead people yeah um we lived in a haunted house my mom saw them um my brothers played with them um I carry ghosts with me um yeah I'm very into this this is yeah it's in my blood it runs in my family uh bruh I'm gonna have to level with you this bitch don't look right I'm gonna let you process that okay and peacock I cancelled my peacock you better f***ing have cause it's pointless. It's stupid. Uber Eats. More TikTok Shop.

52:56Uber Eats. Microfun. Again, there's the mobile app game. TikTok Shop! Microfun! Disney Plus. Microfun. TikTok Shop. TikTok Shop. TikTok Shop. TikTok Shop. TikTok Shop. TikTok Shop was Christmas shopping. I don't go on with our witchcraft stuff. That shit scares me. Why? It's not scary. Oh, because you could do something bad to me. Why would I do something bad to you? I hope you don't. That's not... There's different ways of practicing. Oh yeah, Jack and Crack Witch Week. Let's do this. Okay. There's people that do that and they want to work with that. That's their deal. They want to do that. I don't touch that stuff.

53:29I work in light. I work in protection. Do something bad to Brandon. No, I don't do that stuff. No, do something bad to him. He's nasty. Whatever you put out to the universe comes back to you, even if you assist with it. So I don't touch that kind of stuff. I only do what helping, protecting, and cleansing. That's all I deal with. Four more TikTok shops. Microfun again. Spotify. Microfun, microfun, microfun, microfun. Uber Eats. Uber Eats. $94.95 there. Michael, take that shot! That late fee this year so far and hundreds in interest. Hundreds in interest! Yeah. Yeah. That's my bad card. It's your bad card?

54:03Why would you even allow there to be a bad card? Okay, use the FIS card, debit card that builds credit. A lot of people out there use it who are not credit card people, helps benefit their credit because you care about your credit. I would just do that instead of this closest. You can't have access to it. You're broken.

54:18I mean, you already have a good career. I'll get you a course career certification as well as an extra tool. A lot of people out there use it as well. But you already have a good career. There is a sales one in there. Could help you. Turn it around because you're starting to fail. It's at a 27.49 % interest rate. Listen,$964 on a TikTok shop is actually insane. What the f*** is wrong with you? Pull up your TikTok shop. It was Christmas. Pull up your TikTok shop. It was Christmas. Pull up your TikTok shop now. Christmas. You're a witch. Yeah, and? Do they celebrate Christ? Does my family? We don't, yeah.

54:53What are you talking about? I think witchcraft is very against the Bible. No, it's in the Bible. Uh.

55:03Is the Bible in favor or anti-witchcraft? No, the Bible is witchcraft. What? Yeah. You shall not permit a sorcerer to live. Exodus 22, 18. Let no one be found among you who practices divination or sorcery. Anyone who does these things is desestable to the Lord. Deuteronomy 18 something. I will be swift to testify against sorcerers. There's actually quite a lot. Yeah. The acts of the flesh are obvious. Adultery and witchcraft. The cowardly and unbelieving, those who practice magic arts, will be co-assigned to the Lake of Fire. That doesn't sound very good. I don't like the Lake of Fire, wherever that is.

55:49Not a place I want to visit. That's not my fault they wrote their book against the things that they do. Well, I'm just saying. They do rituals. They do blood rituals. Huh? Of humans? No, the drinking the body in the blood of Christ is a blood ritual. Oh. Like, it is witchcraft. I don't know if they qualify that as that, but the witchcraft that you do. Of course they don't because it goes against their little book. I just thought you said you were in that. If you're not, it's okay. I don't care. The Bible is different from Christ. I believe religion and God are two separate things. Oh. Listen, I mean, I don't care what you believe either way.

56:20The hilarious confliction of witchcraft and that is very interesting. Okay. I don't even know what the shit is. Okay. You got like a cord cover. Very important. Oh, that was for the oven. These little soft, fluffy things. Oh, start screen recording. Please? Oh. Well, chat can know. You're purchasing. You want just the media or the mic? Oh, just media, I guess. Almost$1 ,000. It's crazy. It's crazy. It's crazy. 8 % of the cost. 8 % of the cost for what you just did here. You could have signed up for our Master Your Money program. With all of our classes. premium version of the budget app and you could have actually changed your life like literally tens of thousands of people but yet you just do tiktok shop this is crazy it was christmas value of things out there that can actually benefit you versus just f***ing around okay in some bullshit m &m jewelry bullshit gingerbread on a plate jewelry stupid some cloths chick quality boost hair nasty ass shit more hair shit some towels a fake rose another cord hider a drinky sippy cup that is glass and is a teddy bear a jewelry holder i think maybe a bag another bag a fan electric handheld fan foot cream i don't even know what this is you're just getting the most random bullshit that I've just...

58:05You need to live a simple life, dude. This is so f***ing overcomplicating everything. Pens, okay, that's not the end of the world. But you go crazy. What, like, what even are these? I don't know what you're looking at. Vacbird. What are they? Oh. A homeless travel vacuum bag set. Okay. Yeah, I needed that for my trips. No, you don't. Shut the f*** up. Another bag of some kind, some chips, I think. A Nirvana shirt. A sweatshirt. A book. Oh, my gosh. And your sister's shirt. What the fuck are we doing? Christmas shopping. Cleaning planner because everyone has ADHD. TikTok. TikTok brain. Oh, I don't have ADHD.

58:50Great. Another little book thing. Some shoes. Cleaning bullshit. Some sunglasses. Oh, my gosh. This is all bullshit. What is that? Is that a belly button piercing? seen? I don't know. Girl, just lose weight. We don't need to focus on that. No one's been seeing that shit anyway. Unless you lose weight. Okay.

59:15That's a mess. I barely even went through your TikTok shop and that was a f***ing mess. The balance on this is horrendous. Sapphire Preferred. What the f*** are you doing? So the Sapphire has my Europe trip on it. Oh my goodness. When? When? When? When do I go to Europe? You haven't yet? No, I go in April. What did this cost? You animal. You beast of a creature. You can't even pay your f***ing mortgage. I paid$9 ,000. 9 ,000? Mm-hmm. For what? For 35 days around Europe. Where are you going? Uh, Barcelona, Amsterdam, London, Germany, Rome, Athens, Bravo. How can you even take that much time off of work?

1:00:03Because I can. Should you? It's all commission-based. I get hourly, too. Yeah, but you know that's tiny. I mean, yeah, but I'll still have it. Yeah, but you don't, you already can't pay your mortgage, and then you're spending 8 ,000 hours on an interest-agruing card to Europe, which means, by the way, you already had an extra$6 ,000 on here,$7 ,000 on here. That's crazy. And then you're going to throw away your income for a whole month and a week? Why? It's my 30th birthday. Get to myself. 30th birthday. I already turned 30. No one gives a f***. No one cares. No one cares. The only people that care about birthdays are in your community, the quinceanera.

1:00:41What is that? No one gives a f*** about 30. Nothing happens. You don't need to blow$8 ,000. that you definitely cannot afford and also take away from your income that you cannot afford. No one gives a f***. To be fair, I paid for Europe. Well, I purchased the trip two years ago. I booked my trips two years in advance. So. Pause. F*** you. Number two, you've had this balance on here for two years? No. So what the f*** are you talking about? Shut the f*** up. I just didn't have to charge it until... So it's not purchasing at you. It is purchased. Everything is set to go. The only thing is you just have to make the initial payment and then afterwards you just have to pay off the balance.

1:01:17What was the initial payment? 700 bucks. No. You put a down payment down. You're a little f***. 24 years. That's like a third of a life. I don't... About a half a life for the lifestyle you live with. Yeah, well, I don't ever pay just the minimum balance, so I've never actually had debt that long. Shut the f*** up with that. And also, yes, you only pay the minimum balance. Oh, on that one? Yeah. What are we doing? Shut the f*** up. It's because I'm doing the snowball right now. So that one only gets snowball. Yeah. Snowball. Yeah. You snowball. What snowball are you snowballing? You look like a brown snowball.

1:01:55Shit snowball rolling down a hill. Literally are dressed like a snowball. What are you talking about snowball? No snowball method in any world whatsoever has you spent$2 ,500 just because all Christmas and TikTok shop happens snowball. Your snowball. You've never heard of snowball. You don't know what a snowball is. You've never seen a snowball. You live in the desert. Shut the f*** up, snowball. I've done it twice. Snowball method? Obviously, ineffectively, because you're here today. None of it matters if where you are today is f***. K, K, K, I don't give a f***. Huh? Piece of s***. What are you talking about, snowball?

1:02:33No snowball method, which there's only one snowball method. It's called the snowball method. Suggests spending$2 ,500 in an interest-accruing credit card when you only put$400 towards a snowball. What are you talking about? F*** you. What? You're not snowballing. Never say that again in your life. That is what I'm doing. No, objectively, no. That is not the snowball method you f***. Look, just because I spent money on Christmas doesn't mean that's not what I was doing prior to that. What? Just because I spent that much for Christmas doesn't mean that's what I was doing prior to that. Doesn't matter.

1:03:03That's not the snowball method. But that is what I'm doing, so. If you cancel your trip, will it? I'm not canceling my trip. If you cancel your trip, would it? Would you get your money back? How would it work? I don't know because I'm not doing it. Why? So I never looked into it. Who cares? Do it when you can afford it. No, I want to do it now. You're going to be single forever anyway, so it doesn't matter. I want to do it now. You can do it whenever. You want to do it now. I don't give a fuck about what you want. There's needs. You can barely take care of your needs. You need an income. My needs are met.

1:03:27Your needs are barely not met. One person leaves in the traveling nursing brigade and you're fucked. Not really. Yeah, all right. It's happened already, so. And you got fucked. You went and did 10. What are you talking about? Shut the fuck up. Snowball. Yeah, I'm not canceling Europe. I'm going to Europe. It's my 30th birthday. It's my gift to myself. Why are you here? If you're not willing to make any sacrifices whatsoever, why am I wasting my time with you? I am willing to make sacrifices. I'm just not canceling that trip. Okay, well, that seems like the pretty basic sacrifice. No. I mean, like, no, like, I'm not going to do any more traveling after for a while.

1:03:56It says every person that's addicted to endlessly doing the thing that they do four times a year. Shut the f*** up. Not traveling. Snowball it. Shut up. People can't live debt-free. Shut up. Not fat. Shut up. You don't know what you're talking about. You don't live in reality. Shut up. I don't live in your reality. What? I'm just in reality. What am I saying that is not real? All of it. So. Good one. Got me. Nailed it. I mean, I am doing the snowballing. I am going to stop traveling. I don't consider myself fat. So, I mean, all of it. Like, what did you. The entire medical community considers you overweight, almost obese, soon to be.

1:04:32And that's if you even told me your correct weight, which women. Oh.

1:04:40so how can we just say that that is not the case again medical definition or BMI is perfect no but you come on it's not like you got muscle okay but yeah I'm not canceling that trip well I'm being told you needed an additional 2500 hours in spending money to go across that is the goal yes and how are you doing that my dad's giving me 500 for now yeah I am spoiled I'm aware of it enabled. Disgusting. Very much so. You'll never get anywhere in life. It's called being blessed. No, it's called getting enabled. It's called being blessed. Nope. Keep going. Where's the other coming from? Again, can't pay your bills.

1:05:20Waiting for my travel bonus. Seeing what that is. Travel bonus? Mm-hmm. What travel bonus? The bonus that I get that helps pay for my travels.

1:05:32What? They're giving you a bonus for your vacation? Or what travels are you talking about? So I get paid based on the sales for the year I get a paid travel bonus. Do you travel for your job? No. What? It's what my boss gives us. This is the annual bonus? No. Oh, f*** up. What happened? Well, my first attempt at building a budgeting app, it didn't go over very well. So I'll rewind. After hundreds of financial audit guests, one pattern stood out. People weren't failing because they try. they were being handed crappy tools that weren't built for real life. So I tried to see if I could fix it. In January last year, 2025, I launched an app driven by the belief that budgeting shouldn't feel complicated or intimidating.

1:06:19I had good intentions, but the first app was a complete dumpster fire. I was trusting the wrong developer, and that partner cost us thousands and left my customers with the buggy app that only kind of worked. And that failure forced me to ask a question that I couldn't avoid. Do I walk away or do I try again? Ultimately, I chose to double down and commit to building a new app the right way. Myself and an incredible team. Every dollar that I made from YouTube went straight back into the product. No investors, no shortcuts, just the belief that I could change lives with a better approach. So we rebuilt the app again and again.

1:06:5838 different versions in total. I obsessed over every single detail that most people wouldn't ever notice. And that's because if this app was going to go live, it had to work for real people with real lives. So everyone who stuck with me and my team shared their feedback and believed in what we're doing. Thank you. You helped shape what this has become. This is my vision for the future of budgeting. And I'm just getting started. DallaWise 6.0 is finally launching on February 17th. rewrite your money story learn more at dollarwise.com we're so fucking back it's a win-win you get money and i get money these are called affiliates and you get that sweet sweet cash for signing up for some amazing products the first one is chime this is a checking account that i personally use and you get up to a 350 bonus with a new chime checking account and earn up to 3.5 apy on your savings.

1:07:55And second, my investing app of choice these days is Webull and get a 2 % match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only$5, but with my link, you get$20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. What the f*** are you talking about, dude? How much was the last year, your travel bonus? Last year's we did... We did? 3 ,500. Yeah, I was trying to think of what level we hit. So it was 3 ,500. Okay, it sounds like it's just an extra bonus for hitting some kind of company goals.

1:08:32Dude, literally all that hit your account last month was 2 ,646. What the f***? What is that? The Freedom Winner? Which are you looking at? No, that was all that hit your checking accounts. That was your entire income source. Oh, it doesn't have the other check. That's why. Why would it not have the other check? That's why. Because that doesn't show up on that statement because of when I get paid. Why? That's an entire month's worth. You should have it within there, even in the previous month. Oh, no, because when I sent in the documents, I got paid the next day. Why would it not have the previous month's pay then?

1:09:03I don't know. That's the statement that it came out. Okay, what hit the next day? The next day was$2 ,353. So you made a total of$5 ,000. Yes. How much did you spend within that same period? What was the outflow? I don't know, honestly. Okay, how about you guess? It's based on the lifestyle that you lived. Do you not know how this works? I know you've seen the show. Oh, my goodness. I know I'm being cranky, but she's seen the show.

1:09:32240, 60. Too much weed. What, like 600? Okay. Huh? Maybe like 600. Lindsay, I think you have found financial audits. When you want your spring break to feel like and your kid's pool day to feel like and your hotel bed to feel like ooh, and room service to feel like because at Hilton, hospitality feels like Your cabana's ready. Would you like fresh towels? It matters where you stay. Book now at Hilton.com. Hilton, for this day. It's most guess. Can that be the title? Yeah, financial audits most guess. We might get canceled for it, but I think that is the actual title. Put it in the notes. That is the title.

1:10:22It's official. Financial audits most guess. I mean, it's just like you're broken. Like it was$8 ,000. Oh, it wasn't. Was it really? Just stay in Europe. You belong with them. Interest accruing like crazy. Plan fee for a ticket at world thing you did. Oh, my goodness. $574 fees this year. I don't know if they're purchase fees, late fees, whatever, but it's insane with almost$1 ,000 in interest. What the f*** are we doing? You've had fees up the dick. Why are you missing payments most likely? What are you doing? I'm not missing payments. You probably are. No, I'm not. I'm not missing one payment.

1:10:56That is way too much. That is not just the annual fee. It's the annual fee plus the fees for the payment plans. It's$2 a month. How many payment plans have you had? I think on that card there was a total of six. Oh my goodness. Why? Why do you want to live that life where you just lose money? You make money. You could purchase things and just debit instead of paying. Why pay an extra 30 % on everything? I just don't understand. It was a cheaper option instead of letting it. No, it's not. It's 30 % extra. But it was cheaper when the payment plan because the interest was less. No, but with the fees.

1:11:30Okay, why pay an extra 15 % on something you're buying? Why go to McDonald's and buy something and choose an option where it costs 15 % more? Because that's what you are doing when you purchase these things. I get points back. Oh, my gosh. Okay, great. It's 13 % more then. Why still do that? What's your logic? Yeah, okay. The points are like 2 % to 4%. But you're still losing 15%. But I've used the points multiple times to help pay off the credit cards. Okay, I'm about to give up. Let's keep going because I'm going to.

1:12:05Oh, the balance is so big. Bank of America, what is going on, lady? Tell me. Uh, Bank of America is a water filtration system and some... Home ownership. Every single person that gets on the show that can't afford a home immediately gets water filtration. 27 years to pay this off, by the way. With$109 a month, you're ruined. Good luck, water filtration. What's wrong with your desert water? A lot is wrong with the desert water. I'd like to buy the f***ing house then. Couldn't afford it. Stupid. I can afford it. Yeah, sure. incredible argument with fees of$438 this year so far. Promotional APR, it's going to be 25.74%, but that ends in August.

1:12:55Wow. You actually know something. That's kind of crazy. Why'd you know that? Because I know when the zero interest runs out on all my cards. Well, it's the one thing you track. No, that's horrible, but I'm glad you at least track that. Oh, you got solar panels too. Why? Why are you doing all the first full mistakes? No, I have to have solar panels. What? It's 100 % electrical community. What? Yeah. Every community is an electrical community. We don't have any gas lines. It's 100 % electrical. Great. Pay for electricity. Dumbass. No, the contract requires you to get the solar panels. Why would you purchase that then?

1:13:33Because that was my house. That is a horrendous contract. That was my house. That was my house. That's stupid. There is, by the way, like there's like five different houses in this whole country. The solar bill? And the electric, when I did have an electricity bill? No, you have a solar bill. Yeah, which is cheaper than what the electricity bill was. Yeah, but this is a debt. You don't have a debt on your electricity. It's the same thing. No, it is not. Yes, it is. Because you can move. You can do all this stuff and cancel your energy plan and move into an apartment or whatever it might be. Who knows?

1:14:01I can cancel it as well. It's a lease. You lease your solar. Yeah. The lease brings you out through an end of a term. Usually you can't just cancel it in the middle of it. No, I mean, but if I sell the house. Well, there you go. No, you're not leasing your electricity. You're locked into a contract. Solar's not necessarily always bad, but all I'm saying is you signed up for a mortgage that is 7 % of your income, immediately got a water filtration system on a card that you cannot pay off that is about to start accruing a ton of interest in just a few months, and immediately got solar in a leased program.

1:14:27What are you talking about? You immediately made all the choices that cost more money. The solars came with the house. I had to get up with the house. It was a part of the contract for the house. There was no out of it. Why would you get this then? There was no getting out of it.

1:14:44It was either lease or buy them. So I leased them. No, the other option is don't pay a house like this. That was my house. Financial on its most guest. It's my girl. There's literally like 15 different variations in houses across this entire country. You would find another one just like it somewhere else. Yes, you would. I don't want to hear it. As someone who's very much into real estate. Okay, let's be honest. that find a hundred different variations. Okay, yes. Across this entire country. That is 10 minutes away from my work? Maybe. Potentially. You bought a KB home. Yes. Yes. 10 minutes away from my house?

1:15:25No. Oh, shut the f*** up. Best Buy, what'd you do? What'd you buy for your little house, you special little house girl? Uh, washer, dryer, refrigerator. Yeah, you did. Oh, the pre-built, the design or bullshit KB House that didn't even come with any utilities. You could have paid for them, but they were more expensive and I don't want to include them. This is stupid. You could not afford this to save your life. You financed everything. Probably financed your 2.5 % down. No. Oh, thank you. You owe$1 ,920 on the 17 years to pay off with a$30 minimum monthly payment. Let's see when this is 0 % interest.

1:16:04You've got a late fee this year. Yes. No, I don't. Yes. Yes, literally yes. No. Yes, literally yes. That's impossible. Nope. It literally happened. Where does it say that? Right there. That's how much a leafy costs. It's not a leafy. It can't be a leafy. Got it. Okay. Well done. That means I guess you didn't get it because you believe hard enough. No, because I pay that card twice a month. Yeah, but you missed it once. Maybe you didn't have it. Maybe when you pushed pay, you didn't have enough money in your checking account and it bounced. There's lots of ways for it to be late, but you've had a late fee.

1:16:45And now I don't believe you on the previous card where you said you've never had a late fee. Because anytime any guest in the history of the show says they've never had a late fee, they always have a late fee. I've never had a late fee. Shut the f*** up. I don't want to hear it. Just close your mouth. Something every human has probably said to you in your entire life. Okay, why do I have your state farm life insurance policy? please pay this 385 a month yeah that's the monthly who's getting your life insurance you have no one uh my niece why because i love her why not just invest and make more money and have that go to her i mean i plan on doing that as well but that was just do that instead make more i mean the policy that's gonna be paid off in five years so paid off what oh it's a loan no it's a 10 year no i have a loan i mean there's a loan on it but your policy it's a 15 pay life insurance so you pay it off in 15.

1:17:34Yeah. This has to be whole life. It is whole life. Whole life is so stupid for someone in your income situation because it is not going to make the actual difference. It's a 15 pay whole life. You pay it off in 15 years. You don't have to make any payments towards it. I just don't understand. So I have five years left on it. You would make so much more money outside of it though. Usually the only, there's like 1 % of the population that can actually make more money off of a whole life policy and it is those who are beyond wealthy because it makes more sense to borrow against your whole life policy than pay your taxes by exiting equity positions.

1:18:03in no way. If you were just investing in the S &P 500, I guarantee you would have done better. Yeah, but I mean, it was something that I got when I was 16. 16? They showed you a life insurance policy at 16? My mom opened it for me. Your mom's a piece of shit. Why? It's the best time to get life insurance policy when you're younger. It's a 15 pay. It's not a whole life. It's a 15 pay. You just told me it was. It's a 15 pay whole life. You only pay it for 15 years. You don't pay a whole life like a normal whole life policy. Okay, let me read this. And what would she get if you died? $100 ,000 plus the accrued cash value.

1:18:42But you took a loan out against it? Yeah, I don't have to pay it back, so. I took out some cash value that was in there. Well, hold on, hold on. Because I don't even trust how you're talking about things. I just can't take your word on it. and I don't obviously have the full contract in front of me. So, like, what the f*** am I to do with this? Would you like for me to explain to you the way insurance policy works? No, because, Erin, you don't think you're fat. I don't trust you in anything. You're literally... You know nothing about anything. So shut the f*** up. I don't want to hear anything from you.

1:19:18I mean, you might explain it for what you think happens. No, I can explain to it. Shut the f*** up. It works. No. Well, yeah. Okay, so after you pay a total of$462 ,703 towards it, she gets$100 ,000? Is this minimum payment that this is, it's been$385 a month forever? Is that after you took out your loan? No, forever. Girl,$385 times 12 times 10, sorry,$46 ,200. There's something, there's something, what am I not getting here? Okay, okay, let me get this. Cash value is only$10 ,400 in there. Right now, because I took out. You still get$9 ,000 an interest of 5.8%. Mm-hmm, but I don't have to pay it back, so.

1:20:07Well, yeah. You're not going to get access to it. Your analyzed premium is$1 ,332.

1:20:19And this was a loan for your down payment of your house. So you did borrow for the down payment of your house. I don't have to pay back. No, I took out from my cash value. It's not really a loan. I took out from my cash value. Any loan interest not paid within 35 days of the due date will be applied to the loan balance. Loan payments received during this time will be applied to the loan interest first. Yeah, you're just borrowing from yourself at a higher interest, though. But I also don't pay that. It gets accruited to the loan. So if something is to happen to me... Shut the fuck up. I don't want to hear it.

1:20:54I don't trust you for anything. I mean, if something happens to me, then what will happen is they will take out of the cash value first to cover whatever loan balance I have. And then from there, they'll take out the debt benefit. I don't trust you for anything. But I know that policy back to back. No. Mm-hmm. Mm-hmm. I don't trust you for a single dick of information in this entire world. I will never. 15 years. I haven't f***ed around with 15 years, so I'm learning a little bit. but okay okay and listen going into this 15 year thing essentially it's just forcing you to pay it quicker again usually the benefit is allowing the money to grow a little tax-free but being able to borrow it from yourself when you're wealthy instead of having to sell equity positions for you it is forced savings it's working as a forced savings however even still this money that you put towards it over 15 years would be worth maybe$250 ,000 if it was put in the market because you're essentially getting a low interest savings on this.

1:21:57It's just a bad investment. It's a bad savings vehicle. It's for savings likely because you have absolutely no discipline whatsoever. It is for savings. Yeah, but it's shit savings. Because you would have more than double by the end of that 15 year term if you were just investing in the overall market. Yeah, but at the time when I got that policy, it was 15 years ago or 10 years ago. Sorry. When I got it. Yeah, but I would just try to get out of it and just start building up market investment. I do plan on doing that, but I'm not getting out of that. Why? Because it's almost done being paid off.

1:22:30And it will continue to accrue. It will continue to accrue cash value. Very low, yeah. Yeah, but it will continue to accrue cash value. The dividend is insanely low, it seems. I mean, your dividends have only gone, you're almost done and it's only gone$1 ,133 of the$100 ,000. So you're getting like a 1%. Because I took out the nine. Okay, so over the last 12 years, though, you got less than 1 % a year. I guess so, yeah. That's horrendous. It's just a savings and additional savings. No, it's you just gave them free money for them to go invest and make a lot of money while you got nothing. It's actually what just happened.

1:23:05I mean, I do plan on investing. It's just not something I can do right now. Well, because of this, because this is forcing you to$385 a month. So, since 16, what are you? 29? okay, so 13 years, so it's done in two years. This is what it could have been instead. By the way, the market's done much better than 12 % over that time, but let's just do 12 % to be conservative. Either way, for the 12 years, no, it's been 13 years, and an addition of 385.86 a month. Yeah,$150 ,000 instead of$100 ,000. You lost$50 ,000 doing this. Okay. Okay. Okay. I mean, but there's accruing cash value on that policy always and forever.

1:23:53So, I mean, maybe at some point it will be more than$150 ,000 if I don't touch the cash value again. Because that accrues cash value for life. And it's kind of shitty because that entire time, like, yeah, it'll pay out. Even when you're 90, it'll, like, pay out. But it'll pay out$100 ,000. Plus whatever cash value. Plus the dividend, which is going to be almost nothing. Where instead that$100 ,000 would have been growing in the market. This is a shit policy, dude. Again, you're not able to take advantage of the actual borrowing against yourself like most people do. And you borrowed against yourself for your down payment.

1:24:26So, again, you never actually put any cash on the table. I did.

1:24:33But what was it? Only$7 ,000 because they used the initial$10 ,000.

1:24:43because the 10 was a deposit to hold the lot that we're going to go towards my down. And then I had to put an additional seven. So you haven't paid anything towards the loan. Obviously, interest will keep compounding on it, which means the death benefit is endlessly shrinking if you're really caring about the impact of your niece. There's three other life insurance policies. Sure, but this is endlessly compounding because you're never touching that loan, which means whatever she might get is going to be absolutely practically nothing. On this one, yeah, maybe. On the other three, she's fine. So what's the point of you even having it then?

1:25:16You essentially threw$350 away every single month for you to get$10 ,000? What the f*** are we doing? It's just an additional saving. This is so beyond stupid. It's just an additional saving. It's horrible. It's stupid. Oh, my goodness. She has four life insurance policies. I'm not even going to look at this. This is so f***ing stupid. Okay, Kia Finance. So you got a Kia, huh? an 84-month turn. You do everything wrong. Low savings, high payment plans for car. What's the Kia? It's a Forte. Year? 2024. Oh, you got it the same day as the house? Yeah. Girl, you're financial audits most **** guests.

1:25:58Yeah, the day that I got the Kia. Financial audits most **** guests. I didn't have a car at the time, so I needed a car. It's official. financial audits most guessed. Ladies and gentlemen, it's back. It's 2026 and you are the definition. What's the interest rate again? The car? Yes. Asshole. You don't know the interest rate. No, I don't remember the number. I remember what it was when I did it, but I don't remember what it is now. I doubt it's a great interest rate and it's going to be all the way through 31. 2031, which is crazy. Oh, my gosh. We're getting the value of the car, but looking at your house, we already went over it.

1:26:39You have like a$50 ,000 equity position, which is about 8.5%. Okay. And the house itself, you owe$476 ,967.73. interest rate basically 7 % and it is$4 ,227.53 a month that's insanity crazy sanity what is wrong with you what is wrong with you dude it's so crazy the way you live your life and the moment you sign the this episode is brought to you by Indeed stop waiting around for the perfect candidate Instead, use Indeed Sponsored Jobs to find the right people with the right skills fast. It's a simple way to make sure your listing is the first candidate C. According to Indeed data, Sponsored Jobs have four times more applicants than non-sponsored jobs.

1:27:39So go build your dream team today with Indeed. Get a$75 Sponsored Job Credit at Indeed.com slash podcast. Terms and conditions apply. That thing that has 70 % of your income, you went and got a car payment. Moron. I don't even know what to do. I needed a car. Shut the f*** up. Could have got a$10 ,000. I don't even want to hear it. Shut up. $200 in our checking account. Who would have thought? Starter Bros, Donut Star, Chick-fil-A, Tobacco, Veneers Distributors. Let me see them. I don't have veneers. Venteners Distributors? I don't know. It's marked as food. $17, 24 cents. Moron. Savings went up from$32 to$62.

1:28:21That's the account that I pay my mortgage payment on there. Where's your retirement? I don't have one. Die. Well, thank goodness you have a life insurance policy that's doing absolutely dog shit nothing. I have four. That are doing absolutely dog shit nothing, knowing you. The other ones are fine. Doubt. What do you think your car's worth that you owe$21 ,423 on? I don't know. Probably$16 ,000. Yes. I guess if you endlessly guess, you'll eventually get one right. You got that one right. Financial audits get most guests maybe no longer But or that was just a rain man game. You just pulled on me All right, let's try to budget this thing six thousand two hundred hours a month Annual bonus you just gotta flex that on a monthly basis or just throw it towards that whatever you can do Definitely minimum monthly payments outside of your mortgage $662.63 with your mortgage being $4 ,227.53.

1:29:26Water, gas, electric utilities, all that combined, how much? Water bill is$98. I'll do the math, I guess. Yeah. Water is$98. Solar panels is$187. Internet? That's$45. Security system is$54. Oh my goodness, you financed that. No? No, it's just a monthly service. You didn't finance your security system? How'd you pay for it? I just paid for it. How much? Thousands? It was, I think, a total of$3 ,000. You just paid for it? Yeah. Okay. $384. This is not. What's your phone bill? I don't have a phone bill. Parents? Yeah. Child. Do helium when you can if T-Mobile's getting in your area, and it should be.

1:30:13Gas. Vroom from Drive Drive. How much a month? $100. Car insurance? $180. Food,$300 a month. Use the budget plan in our budgeting, the meal plan in our budgeting class in the cookbook there. TP fund, anything else you need to survive? About$100, tampons, all that good stuff. Medical, health care. Okay, I'm putting in$300. $300, dude. You have any gym? Yeah, but it's a yearly membership. How much a year? $64. Not bad. Okay, we'll put it at six bucks. You have any pets? No. Good. Subscriptions, I'll try 40. And then what do you get from your tenants? 1 ,700. Cool. So we'll put your income at 7 ,900 then.

1:31:04Anything else that needs to be in your budget that I have not put in? You don't want to put weed in there? I put health insurance, which is better.

1:31:15whatever you want to put fun money towards you can but i don't think you have fun money okay so you need six thousand three hundred five dollars and 16 cents to survive on a monthly basis so if you do not have their rent you're done their rent is the only reason you're able to survive right now low months like you just had you're be you're definitely underwater but 1 ,000. Here, I'll give you$94 for fun. $94.84. Okay? Yippee. So you get$1 ,500 left on a monthly basis. Okay? Okay. Obviously, your mortgage, we're not trying to freak out and pay off early by any means.

1:32:02$62 ,000 is your time for the sake outside of the house. Okay, 41 months. That's manageable. You're already where you are, where you want to be in life in terms of house and car. So listen, three and a half years to pay off your debt ain't bad. And that's actual snowball, small, small, just no spending on any of them. Close your cards. Um,

1:32:24yeah, three and a, that's not that bad. Call four and a half years to get into the full fund and did emergency fund as well. That's not that bad. Go through the master your money program. Use the dollar wise budgeting app. Use the cookbook, use the meal plan, use it all. Use her tools okay okay guys the post show is about to be crazy apparently she's been funding a felon who just ghosted her and we're yeah you're insane financial on its most guest we're gonna go into the text messages is insane oh it's absolutely insane join hammer elite the best membership and number one on youtube for a reason uh three shows premium shows incredible shows posted every single day, six days a week, including an extra 20 minutes of this episode, financial out of post show.

1:33:06I'll see you guys there. Click that join button. Oh, and also hammer financial score. I'm back. Spending a budget. Well, you overspent zero out of 10 debt, no collections, but definitely not great debt. Those are chunky numbers. Do a two out of 10 emergency fund. There was nothing below. It's below a thousand. Absolutely. Zero out of 10 retirement. I mean, that's horrendous. I'm going to give you a one out of 10 for that. Real estate. At least you got that. You do have an equity position. Interest rate is 7%. Not thrilling. Only equity position is only because it's gone up and you're forced to get a solar panel.

1:33:41It's not the best. I'll give it a five out of 10.

1:33:48Hammer financial score. Get yours at CalebHammer.com. Round it up to two out of 10. See you all in the post show. He is in prison. I told you you look like someone who's taking it with felons and pushing out kids. That's what she looks like. She was spending$2 per month on phone calls with him. How are you funding a felon if you can't even pay your own bills? Camera Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.