The Most Bat-Sh*t Insane Woman In Financial Audit History

27:00And I took out a loan from my baby daddy without asking my boyfriend first, which like offended him and hurt his feelings. But in my defense, there's no fucking way he would have been able to qualify for a loan. But it's weird baby daddy loan. It paid him back quick, though. I was just waiting for my taxes to hit. Yeah, you're... It was the first time I had a tax return in a lot of years. Yes, of course. You have your single mom tax credit. It's like a big Christmas. We're really supporting the best futures here, ladies and gentlemen. Yeah.

27:44This show is changing my perception of the world, let me tell you. It's fucking crazy, the things that we have witnessed. Okay. Yes? What the fuck? You broke up with your baby daddy because he had no sex drive, but then you guys broke up when you got pregnant? These notes that I'm being fed are insane. I have often... You are a creature. No, yeah. So because he wouldn't fuck you, but clearly did because you got pregnant. And then you wait until getting pregnant. Hold on. Hold on. I often refer to my son as the second coming of Christ because I don't know how in the very few times that we did be intimate that I got pregnant.

28:27And also, I didn't know that I was pregnant until not a lot. Not very much. And he was working out of town at that time. Once a week, once a month, once a year. Once a week is probably three times a month tops. Tops. You broke up with him because of that after you got pregnant? Hold the fuck on. Okay, so I broke up with him not knowing that I was pregnant. And then I found out I was pregnant. And I was already 14 fucking weeks along pregnant, which is like halfway through. So we kept the baby, obviously. And he's just the best little thing. So, yeah, we got back together because I was pregnant.

29:05And then we broke up again when my son was like, I don't know, two or three. And then found our way back together for whatever reason. Because you try. You try to make it work. You try. But then it doesn't. Listen, when the man doesn't have a... And then you broke up a final time and then found an alcoholic in two weeks. I know. I know. From the outside, it looks nuts. I know. Has anything in your life not looked bad, insane, crazy? Probably not. No, I don't think so. Listen, I've got to get into these finances, but you're wild. And then your chat GPT, it's clearly not working. I use that for everything.

29:44I'm not anti that. It's a good search engine for sure. Okay, what do you think your financial score is? Zero to ten, zero being the worst, ten being the best. Point five, okay. If you guys want to see where you stand in the world of finances, take our assessment. It's free. Go to CalebHammer.com or click that link in the description below. You can also go to CalebHammer.com slash apply to be on this show. I'm going to jump into Venture One. What's going on? That's the one that I still actively spend on. Which is mostly like... Why the f*** would you do that? Well, that's mostly like for travel.

30:20Like if I'm traveling... Okay, so follow-up question. Why the f*** would you do that? I don't know. Because you need to have one active for emergencies and stuff. It's an emergency. It's$2 ,687 and travel are not emergencies. This isn't an emergency thing. You went and spent$410 on a credit card that already had a high balance. You spent double what you put towards it as a minimum payment. Well,$46 ,080 the interest is accruing. What are you talking about emergencies? Fuck you, emergencies. This isn't an emergency. This is dumb as tits. What was the 410? I think we'll find out. How about you should probably know.

30:55I know, I know, I know. $73 minimum payment. How long does this take to pay off if you do not? if you do not purchase on it and you only do minimum payments which you're incapable of not purchasing. Here's the thing. I said you're incapable of not purchasing what? Okay, I don't ever, ever just make the minimum payment. Ever. It doesn't matter because you still spent double what you put towards it so it doesn't fucking matter. All while interest is accruing, how long does it take to pay off? Minimum payments only, no purchases. How much is it? $2 ,687 with a minimum payment of$73. Nine years. 15.

31:29Nine. Fourteen. Yeah. What are we at that point? Sixty. Sorry. Fifty-one? Yeah. Sorry, I was going off your looks. We make jokes here. We make jokes here. Every joke is based on reality. Okay. We make jokes here. Uh-huh. This is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high-yield savings account and get a welcome bonus of$300. Sign up for Acorns using MyLink and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional sign-up methods.

32:21So use the links in the resources section of the description below and get yourself$5 ,320 right now. Lowe's. That's the same one. Vons, some grocery, PlayStation Network. Okay, wait a minute. Disposal. Well, hold it. The PlayStation Network, in my f***ing defense, we gave that PlayStation away and I can't, like, I can't get rid of the f***ing monthly thing. I don't know what email address or anything. Report it. Report the payment. I did. I did through Capital One. Who'd you sell it to? Talk to them. I don't know. What? I know. How do you not know? You don't know who you gave it to. Facebook Marketplace.

33:01I could probably go back. So go back. Yeah, you could probably go back instead of paying$10 a month forever. Yeah. Yeah. Yeah. I made a minimal effort through Capital One. I was like, don't pay this. Minimal, which is the definition of your life. Minimal effort in anything and everything you've done, including your entire career. Well, career, yeah. Yeah, yes. That's an important part of a life. Communist, capitalist, doesn't matter. Careers are important. For some people. No, that's an important part of life, not just for you. That's an important part of paying bills, finding purpose. If you're going to spend the majority of your time at work, do what you like.

33:38And you have to find your way into it. Yeah. And fight for it. Yes, it's an important part. For some people. how can I deal with you if you have such immature takes on that I think that's a common question for everyone I don't know I don't know how to deal with me I'm shocked my baby daddy dealt with me for as long as he did clearly he didn't because he left three times I left I was the lever I was the lever I'm sure he encouraged no total interest$183.42 you're spending money you do not have on a credit card. You cannot pay off that as a Korean interest. Do you at least do side hustles here and there in this extra time?

34:23I mean, I could. I could go back to making edibles. I could make a lot of money on the side doing that, honestly, if I wanted. Why is that the thing we're doing? I mean, it's legal in California but you have to be licensed. I'm sure what you're doing was not legal. No, no, it was not legal. What were you making? I'm sure you didn't pay taxes, right? No. Pay taxes on my drugs? Come on. I did that from 2020 to mid-2023. What made you stop? I got burned out. I monetized a hobby and I didn't like it anymore. I would not recommend doing anything illegal, but what the f***? Can we get a side hustle that's perhaps not illegal?

35:07Probably. What do you enjoy doing in life? like when I get off work what do I do I'll like smoke a shit and water my plants and stuff oh my goodness you're such a failure oh my gosh you're such a failure a lot of people smoke shit Caleb yeah you're doing this every day after work a lot of people smoke wow it's like your fumes are making me high okay so Recure, rec, rec, rec, rec, rec, rec. Today, Junior! Recreationally. Well, that, yeah, but that's not daily. If you're daily, you're on an occurrence, and then once you step— What do I like to do in terms that I could, like, monetize and make a side hustle out of it?

35:57What do you like to do? Maybe I could find something. I could work more at the job that I have. I just don't want to. So let's find a job that you would be happier to pick up time. Let me tell you, the employment fucking opportunities around there are not, like, plentiful. Then move. No. Why? My boyfriend and I do want to move, like, probably after, I'm sorry, probably after my son finishes high school. Why are we waiting until then? I don't want to leave him now. The Burlington Coat event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th.

36:41Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. Oh, take it. Oh, the split custody. Yeah. And what we have now is, like, good. Like, we all get along really well together, my baby daddy and my boyfriend and I and my son. Do you at least have any savings to show for all this time? So why I don't have savings currently, why I haven't built that back up comes... Built back?

37:23Back, because I did have some. What did you have? I had, like, three grand. When? Not like, woo! Oh, it's money. Okay, yes. Well, I had that, But when, back to why I kicked my boyfriend out of the house is because this had all come to a head where I ended up going to jail for felony domestic violence. Oh, she's a crazy bitch. But it was a holiday weekend, so I didn't want to be there from Friday morning to Tuesday morning. So I had to use that$3 ,000 for bail to get out because I didn't. I thought you were going to say domestic abuse is inapplicable during holidays. It is. What the fuck did you do?

38:06You're insane. Why are you here? You scare me. I don't, I browned back in, like, because I don't really remember a lot of, like, the cops getting there and all that. But I do remember being in the cop car in the driveway, and they had put me in the front seat. What did they tell you you did? I hid, no, well, what I'm told is that I, listen, what I'm told is that I ran out of patience and I stood up off of the couch and I said, fine, I hid him, just take me. And so then again, in the cop car, I was running out of patience and they had me in the front because there was a dog in the back and I like squiggled around and was able to open the door and get out of the cop car.

38:40And I came up to my porch. I'm like, what is taking so long? Like, let's go. And then we went. But then I didn't want to be there all weekend, so. What the f*** are you? What the f*** are you? I know there's a lot going on all the time. Look at you giggling. You gotta be that way. I have to be that way. You gotta be that way. Let's giggle about us being a horrible parent. He wasn't there. Are you kidding? Yeah, but you're still his mother. I am. I know. And you drained your savings to bail yourself out of jail and you hit your husband and then escaped the cop car. Yeah. What the f*** did I even just say?

39:18That's insane. And then you were in jail. I mean, all things considered. So the felony, where did that go? Away. Why? I just had to show up to court, I think, twice, and they dropped it. They never even fully filed it. Who was pursuing, him or the DA? The DA decided to not pursue charges. Do I look violent to you? I'm not violent. I'm not violent. You're singing George Strait, Garth Brooks. Yeah. Okay. Yeah. Me and the cop, not just me. It was not a solo performance. She's a Garth Brooks girlie. She is. I was telling Lindsay, actually, on our call that I was kicked out of a Garth Brooks concert once.

40:04My third one. Do you want that story? No! All right. Back to the finances. I'm fucking trying. Okay. My goodness, I have just insane notes about your spending. how you're just blowing money buying weight loss supplements from China on the gray market. It was like Ozepic and then you started buying things to lose weight and injecting them from China. Then you started getting into pharmaceuticals from India. You gained a bunch of weight when your boyfriend started dating. Yeah, I did, yeah. And now you're still spending$21 for 10 doses of bootleg Ozepic. Trisepatide. There's a difference. What the fuck are you doing?

40:44You're reselling it to your friend? What is your life? Not that bad From like the day to day It's just when you look at it from the outside It does look pretty When we put your life together and actually look at it It's crazy and insane Yeah

41:0522.74 % interest rate on this credit card The first one? How many? Sorry, say again No Okay Okay, Quicksilver 1. What's going on with this? Okay, that one, I don't spend on that one anymore. I could not tell you the last time I spent on that one. Great, it's only at$3 ,788.54. Yeah. Yay, she's doing so well. Minimally payment,$129. 20 years to pay this one off. But I always pay like$400 on that one a month-ish. Nope. What do you mean no? That's not how much you put towards it at all. Also, I don't know what you're talking about. What's the f*** going on? How'd you get into this debt? Do you remember getting into this debt?

41:49Is this a story that leads to smoking? Getting into this debt. With you, I don't know at this point. Did you buy a bunch of cockroaches and put them in a bathtub and swim in them? I don't f***ing know with you. That particular card has just been a thorn in my side for a long time. I haven't spent on that one in a long time. Because it has the higher interest rate. So I willy-nilly the other one. Right, like 22 % versus like 28%. then yeah, it's going to be great. I think, but that is not what's got me like to this. I think if we could circle back to like the traveling, it's like, so last year, just last year, I went to Hawaii twice, Mexico.

42:30You didn't make enough for Hawaii. Mexico maybe, but you have to really budget that in. Okay, now wait a minute though. See, Hawaii is not that bad because we wait until the flights are like$2.97. You can afford$2.97. Okay, but then my best friend, her aunt has a house there, so we don't pay for the house. But you pay for food. We don't pay for the rental. You pay for food. We pay for food. You pay for excursions. We pay for food in the flight. We don't do guided, we do our own thing. It still costs money to rent a boat or a paddle board or to go on parks and stuff. And food in Hawaii is very expensive.

43:02It is a bit. Honestly, I thought it was going to be a lot worse, but with California, it's... You can't afford anything. I don't know what you're talking about. the hobbies like the crystals and the plants and the i could i guess see how the plants could be a bit i do so i like to go to how much are you spending on these well i like to go to grocery outlet bargain market because they always have really good plants and i rationalize like if the plant is part of the grocery bill it kind of like doesn't it doesn't count in a way no i know the hardware store has really great plants too so if ever we have to go to the hardware store there's always, there's a plant sneaking in there.

43:43Cause it's like, it's not like I'm specifically at my highest. So I got the gastric bypass when I was 21 and I was like 220 pounds and I'm 5 '2". How much do you weigh now? 130. That's incredible. That shows that you have actually one thing in life. One thing in life that shows that if you want to, you can do it, which that gives me at least a little bit of hope with finances. But man, with everything else, I don't know. You seem fucking crazy. I don't seem. I mean, that's a lot. I mean, 90 pounds, right? Yeah. It's like a whole human. Yeah. A little one. That's a lot. That's a lot. If I lost weight, if I got down to 160 or 180, would I need fucking sleeve?

44:29Not sleeve. What was it? Oh, brachialplasty? I don't know. Would I need it? My arms. Would I need it? This is abdominal. in a plastic bag. I don't know. I'd have to see you without the shirt. Hey guys, always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple of weeks back, I stumbled upon the social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool.

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45:53The arms were a way bigger thing than this. I really wanted the arms to go. Okay, I'm just wondering. The minimum payment is$129 again. It takes 20 years to pay this one off. That's too many years. Yeah, you'll be almost 60 at that one. Interest this year so far, almost$500 at 24 % interest. It's insane. That's yucky. In my downtime at work, because like I said, I get those... Because you do nothing, but you're the best at the job. Listen, mother... I am the best at the job. When I'm not there, the... The best at clicking a couple buttons. But there's more to it than that. I swear there's more to it than that.

46:39And when I'm not there, the... What were you saying? It falls apart. I'm already worried about the... I'm going to have to walk into tomorrow. What I was saying was in my downtime... Oh, no. Somebody didn't get your time on time. When I was in... Or when I'm in my downtime, I sit there and I plan little vacations. No. Yeah, because I can get hotel rooms that are cheap as like$45. But more goes into a vacation than a hotel. But when the hotel is only$45. It helps on the cost, but still, if you cannot afford$45, which you can't, then you can't. Even if something's at a discount, if you can't afford the discount, you can't do it just because it's at a discount.

47:13How many trips are we doing? A lot. What? How much? 30 hours a week. No future, no retirement. How much? Like, well, this trip, for to come here, I turned into a whole ass. But we reimbursed some things. Well, what have you done? You reimbursed my flight. Yeah. Yeah. So I flew into San... We're not going to reimburse your entire vacation if you're making a vacation. I know. What are you doing? I flew into San Antonio and we spent two nights there in some like... What can you do for two days in San Antonio? You can watch the little freaking lit up Cinderella carriages go by every minute. Yeah, for one day.

47:47Okay. What do you mean for one day? How much do you travel? A lot. Okay, so like I said, so last year I did Hawaii twice. I did Mexico last year. This year so far? And this year. Well, in 2025, this year so far, we've done, we went up to Monterey. We did Tehachapi. We did this trip. We did, oh, we went to Jawbone. We went to Jawbone. with my baby daddy and my son. We did like a little cutesy desert off-road adventure. It's fucking insane, dude. You do not make enough money for this. I know. You make literally$2 ,200 a month. I know, I know. In California, you make$26 ,400 a year. Yeah, this is what our child tax credit's funding.

48:34The child tax credit funded my car. But another thing... Yes, but you couldn't afford a car because you went on vacation. So in reality, it funded your vacations. Yeah, the car was more of a need than the vacations. You wouldn't have been able to buy the car without a tax credit if you weren't going on vacation. But because you spent all your money on vacations, you used the tax credit to get a car. Did you tell me how that works? Yeah. Okay. I don't know why that was so complicated.

49:01They're telling me you could have used your mom's car. I did. For the vacation. Well, I don't like to use her car. I had already been using her car. This is what the rush was for to get a car earlier this year, is I was tired of using my mom's car, and I had the Monterey trip planned for my boy. You live in the same house as your mom? Yeah, together but separate. And you have this much debt? Yeah. What are you doing? No, no, no, no. It's not like we're roommates. It's two houses in one. But it's so cheaper. It's a duplex. I get it. No, it's not. But it's so cheap. Yeah, yeah, all right. It's cheap for me.

49:34Yeah, I paid$3.50. What the fuck is your life? Oh, and then, oh my, why are we even, why are we enabling you? No, no, no, we're not enabling. Why are we enabling you as a nation and as in a culture? No. We need to let you f***ing get to the bottom of the barrel so you can wake up and actually f***ing grind some shit out. That's what I'm talking about. And be an adult for the first time in your life. I'm growing up. You're 40 and you're acting like a child. I'm getting there. This is a joke. Yeah, yeah. This is a joke. My baby daddy called me Peter Pan for like a really long time. Because he's a pedophile or what?

50:06No, because I'm like a child that won't grow up. A pedophile. I don't know. No, because I'm like stuck in childhood in the land of no responsibility. And this is not cute and you have a lot of responsibilities. So what are you talking about? I know, but I'm. You have a child. You're a mother. This is step one in the growing up, you know, getting out of the bear. You're 40. Almost. I'll be 38 on Christmas Eve.

50:35Are you ever going to not live with your mom as a 40 year old? No, I think when she dies, we're going to Airbnb that part of the house. She owns it? Yeah, she bought it straight out. Okay. So the rent that my boyfriend and I paid is just for, like, the property. So he has moved on. No, even when he was not living there, he still was paying$200. Oh, you were being so enabled and coddled and, oh, my, okay. I know. Your existence. I know. I have basically. I just hate everything around your life. I don't hate you as a person. I hate everything around your life because it's just supported your horrible behavior.

51:04I have spent my life just kind of, like, floating through. And you've done literally domestic abuse. What did he say happened? He doesn't remember him anymore. Someone had to call the cops. That was either my mom or my best friend. What did she say happened? Or is she an alcoholic as well? No, she's not. She was just nervous. She was scared about the fighting and the yelling that was going on. Which is, you know. Yeah. A mother. Yes. You. Oh, I am one of those. Kind of. Okay,$1 ,900 on this U.S. bank account. Okay, so that one. You put this off,$40 minimum fee payment, what? That one is... It's interest-free right now.

51:39Yeah, I opened it so that I could move from Capital One... I don't know why you're putting extra on an interest-free card instead of a fucking card that is accruing interest. You put extra on this card. What do you mean I put extra? You put more than the minimum fee payment on this card when there's other cards that are accruing interest. Because this... Is it deferred interest? This ends January 2026, so I'm paying that one off before January 2026. Yeah, but it doesn't defer interest. Interest just starts accruing on the balance that happened that... Why did you even open this then? Because I wanted to move the...

52:11Well, ChatGPT had the idea. So if I open the zero interest one and move part of my balance over there, and then I pay that one off, which I'm on track to pay that one off by January 2026. You see? That one's good. That's a good one.

52:33You're going to make it, I promise. I don't know if you're going to make it into your 50s, but I'll at least make it through this episode. Before you just pay this off, listen, the thing is, yeah, pay off the cards that are accruing interest. This isn't deferred interest, so whatever balance it is by the time interest starts, it'll accrue at that balance, not at the balance it is today, and you're not getting backwards punished. There's other cards at nearly 30 % interest. Attack those. Or if you want to do snowball in order to whack out minimum payments, yeah, you can attack this first, but it looked like you were trying to do avalanche method, which is highest interest rate.

53:09I don't know what that means. Snowball method. I'm not a David Ramsey, girly. I'm just with you. Go on.

53:23Snowball method. So you do know it, though. I don't know avalanche. I'm vaguely familiar with snowball. What is snowball? Tell me. Littlest to biggest. Avalanche is highest interest interest rate to lowest interest rate. Oh, okay. Which is kind of what you're doing, so I assume we were doing that. Oh, no, no. What are you doing? I mean, chat GPT didn't mention any of those. What did chat GPT tell you to do? To pay that one off first. So, Snowball. Is that the lowest? Yeah, so then, yeah, pay that one off first. Why are you putting extra money to the other cards then? Because I always put extra money on everything.

53:50Did chat GPT tell you to? No, I've been doing that. Because that is not a strategy that exists out in the financial world. Is that a problem? It's a dumb thing you're doing. It is? Yes. I thought it would be stupid to just make the minimum because half the time that doesn't even cover the interest. It doesn't, but the snowball method is to unlock the minimum monthly payments that you are putting towards the USA bank. You take the USA bank first, you kill it quick without putting any money extra towards other banks. By the way, no method suggests spending on credit cards which you did on the first one, so fuck off.

54:18But either way, then you take this$40 minimum monthly payment and you roll that into the next debt. Then you take that minimum monthly payment and roll it into the next debt. That's how you do it. No financial person recommends putting more on other cards. You either attack the highest interest rate one or you attack the lowest balance one. Those are the two strategies. Technically, Avalanche will pay it off quicker, but a lot of people find a higher success rate doing snowball because you get quicker psychological wins. And I'd rather get there, have a higher chance of getting there than getting there quicker at a lower chance.

54:49Okay. Makes sense. You've paid, this must be balance transfer fees, I hope. Yeah. $66 or hopefully we haven't had late. I've never had a late payment, no. Okay, I don't know why they're asking me this, but they want me to ask you, and this is going to murder me. What does ChatGPT think about you buying timeshares? Okay, that was a long time ago. That was before ChatGPT and I became homies. Do you have it now still? No, no, no, no, no, no, no, no. You're obviously not a credit card person, dude. I mean, this is just absolutely ridiculous. and yeah there's no deferred and it ends in January 26th but use the Fizz card it's a debit card that builds credit I already told you I'll connect you with therapy but I'll also get you a course career certification if you ever decide you want to actually have a career at some point so what's this what am I looking at I needed a new laptop what am I looking at what is the service what do you mean it's either eBay it's either a firm or Afterpay it's a firm okay thank you because I saw after a pay next.

55:57Oh, yeah, yeah, yeah, okay. My gosh. I don't know why that was difficult. So you affirmed a... A$100 refurbished laptop. I didn't go crazy. Yeah, but is that going to last? I don't use it for mutt. I use it for planning vacations because that's like big screen activity, you know? You have nothing going for you in life. This is a sad existence. This is a sad existence. I'm not sad. Like, I'm not sad. You will be. it's a problem for later it's also a problem for your kid I don't think it's a problem for him at all what do you mean he's going to have to defer everything to take care of you he's really not though I would never put that on him it's not you doing it intentionally it's that you did it via your choices still though well I have now I have a real job so I'm contributing to retirement again anytime that I've had a job on paper I've contributed to retirement It was just like that.

56:54Every time is nothing. It wouldn't even let you survive for a year. So you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart.

57:52in the wilderness. I'm not going to be alone in the wilderness. I'm going to have my boyfriend who will be my husband by then. Based on your history, I don't know, since you guys leave each other constantly, all relationships you've been in. No, no, no, no. So good luck with that. It doesn't sound like you're the most consistent person. Okay? Hmm. Huh? Yeah, I don't think I'd describe myself as consistent either. Exactly, and I need to actually tell you this because people have probably babied your entire life. Yeah. You are a failure. No. Yes? No. Failure adjacent. The only reason you're surviving is because your mother has purchased the house and has given you subsidized rent.

58:25No, I would have found a mother. No, doubt it. You're not willing to work. If I was forced, then I'm sure I would have made it work. Let's see what Jack GPT says about this. I'm not suited for the homeless life. Hush now. Dude, you look homeless. Hush now. I do.

58:46Chad GPT, what would you say about a girl having her ex-boyfriend move into her house now that they're technically back together and they were alcoholics together enabling their bad behavior when they lived together and there was a domestic abuse situation where she got arrested and drained her entire savings to get her out of jail because she hit her husband and the only reason they were able to survive in their house is because their mother subsidized her because her mom has actually done a little bit of work in her life to actually set herself up for success, unlike this girl. Is she going to be nice to me?

59:20Doubt it. Look at your entire life. This situation clearly reflects deep-rooted financial irresponsibility, ongoing unhealthy behaviors, and enabling dynamics that is likely to repeat or worsen. So you're enabling each other unhealthily, financial mismanagement unlimited, dependency on external support, Yeah, because you're incapable of being an adult Yes, we know that You need to set free for modern injuries Professional intervention if necessary And take financial accountability Nope, nope, nope Okay, great, so good luck I do have pretty good luck. Like things do tend to just like. No, you don't.

59:56Your life is not good. It's not bad. It's bad. Like that is bad. Your life is only. You're only not on the streets because of your mom. Yeah. That's bad. Oh my God. But I mean, if it wasn't her, it would be something. I would be fine without her. I would have found an alternate. There is nothing to suggest that. You're nothing but a disaster. Yeah. There's nothing to suggest that. I would have been fine. Your existence is horrendous. Everything you've done has been a joke. You wouldn't have survived. I don't see how. This is just like one part of life, though. The rest of my life is pretty good.

1:00:40Shut the f*** up. You didn't vibe along, you know? Okay, well, you owe$81 to 77 cents left on this. You make minimum payments to$27.26. Okay. I don't know. I just, it's going to be really sad when you come on the follow-up show and someone relapsed. No, that's not going to happen. I hope not, but it's been six months and you already said how you have before. And we know you guys are not able to. I'm not worried about me. I mean, I'm not worried about him either. I am. No, the two of us together especially do not, we do not know. There will be no drinking. There's no, it's a big no. It's been six months.

1:01:16I know how many months it's been. I'm not rooting for it, obviously. I'm just like, look how you've lived your life. You've already had beers. You said you've had one-off beers. I have. You're just one fucking little slip away. You are so close. You are teetering on the edge. And then you're bringing in an enabler into your house to live with you full-time? Dude, I don't know, man. Afterpay. We're purchasing on what? $42.70 a purchase is what? The afterpay, I looked, and it is, like, exclusively— Sheen! It's not really going to work, is it? there's just those two only because i need those things listen that's clearly like two dollar like lipstick from the party store so i don't know what we're doing i made it over the past year and a half my team and i have worked with experts to create the literal best for financial education programs on the entire internet and even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far.

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1:03:01And to learn more, just go to CalebHammer.com or just click those links in the description below. Have you drank on this trip yet? This is a little trip. No, no, no, no, no. Good. No. We talk about that like all the time when we're on vacation and like we see bars and stuff or we always ask like how many beers deep do you think we'd be by now? Sounds like a very healthy relationship. It is. Okay, I have a note from you. If you were to ask him, my baby daddy would probably tell you I owe him$15 ,000 for the surgeries because I did do the super cliche thing of breaking up with him. Like a month after surgery, we had been together for almost 12 years.

1:03:41Trust me, fam, I earned that 15K in those 12 years with him. Ha, ha, ha. I did. What, for dating him? What do you mean? For just putting up. Listen, he's a great. Putting up with him not sticking it in? That's it. That wears on a girl, okay? It does. It makes, it f***s with you psychologically. It really does. It sucks to be like turned down all the time. And like, you know that other people want to have sex with you, but the one person that you want to have sex with you doesn't want to have sex with you and it sucks. That was just the main one. So he owes you$15 ,000 for that? No, he don't owe me anything.

1:04:15It's already done. You said you made it. You made what? The$15 ,000 from him not f***ing you. That was the cost of the brachioplasty and abdominoplasty. You said you don't owe him back because you made it. Trust me, I earned$15 ,000 in those 12 years with him. Yeah. Because he didn't diddle? Among other things. He's also one of those that's like, I don't know how to do dishes. Like, he's one of, I did a lot. Paper plates. What about the environment? I'm just with you I like paper plates a lot um no he's listen we just are very we're not well suited for each other romantically he's a wonderful father we're just like I'm too much for him he's real like he does does he fuck her?

1:05:01I've asked he said everything seems to be going fine in that regard but that's him saying that maybe it's cause you're a crazy drunk who smears no no no he gets them fired from their jobs by sending titties to everyone Well. Yeah, I think it might be a little bit on you. Come on, you're crazy. We know this. Yeah. You got kicked out of a f***ing concert. Yeah. But that one, too, like, you know how Garth Brooks, he's very, like, sentimental, and he likes to, like, do the mushy stuff with the fans and stuff? Did you guys ever get arrested together, you and Baby Daddy? No, he, no, no, no, not together.

1:05:36You're the crazy one. No. But he's been, he's been arrested. Oh my gosh, what is happening in that town? I know. Well, these little mountain towns, there's like not a lot to do besides drink. Move. I know. I don't want to move yet. I'm going to stay at least until my son's done with high school, and then I can spread my wings.

1:06:02Oh, another note. What's that? Oh, I think I do also owe my DUI program like$100, but I keep forgetting to call it. I keep forgetting to. So you're a part of a DUI program. Now, I, my, I, okay. I did get a DUI in 2018, but I didn't start taking care. I know. I didn't start taking care of it until. What a joke you are. Until 2023. What a mother. I, well, that was a long time ago. It was a long time ago. We all make mistakes, but my gosh, this amount of stacking is fucking crazy. And still with what you're doing now and your mindset on things, I'm not feeling great. I feel great. I feel good.

1:06:47I don't feel bad.

1:06:53So. You could just add that to the little. Yeah, I'm going to add it. How many DUIs have you had? Two. Oh my, why? One was in 2012 on me and my baby daddy's first date. Dude, what the fuck? He should have probably fucking ran then. What is wrong with you? I know, his sister came and picked me up. That was the first time she met me. We're like besties. It's fine. And then the second one was 2018. But I didn't start. I didn't like, I just did nothing until 2023. And now I'm almost done because it's like an 18-month program. Oh, my gosh. I don't know. Jack GPT hasn't fucking just like told you to shut the fuck up and like go into a forest?

1:07:35No, he's really nice to me. Like too nice, I think. I need to change a setting. You got enabled from your ex-now current boyfriend, and now you're being enabled by GPT. I've been enabled my whole life, pretty much. Okay, student loans. Oh, my gosh, how much? Oh, boy. Wait, how much in student loans? Oh, that's the big one. $68 ,768 in student loans at 40? How? Because I've never made a single payment in my life. They can garnish your wages, and this administration is not friendly to people People who don't pay student loans. Okay, well, hear me out. So I asked. Yeah, I guess. I'll attempt to hear you out.

1:08:14I asked my buddy, ChatGPT, what to fucking do. And he guided me through, okay? And what did he guide you to? And I signed up for the income-driven repayment thing. And so I. I don't know, like two months ago. Okay. Okay. And so I pay zero. I have to, I pay zero. You guys like this? You guys like this? I know. No, I know. Here's the fact. Here's the fact. I'm not against social programs at all because we all pay into it. So you get unemployment if you get unemployed. Whatever. That's fine. Some people need help as well. Okay, that's fine. Maybe some people can't pay the student loans for different reasons.

1:08:51She is actively choosing to not make money because she does not want to work. She is actively choosing to not make money. And then she's able to not pay her student loans by saying, I'm not making enough money when she is choosing that. What a fucking joke this is. Why are we enabling her? Why are we enabling her? She gets her fucking child tax credit and chooses not to work and now she doesn't have to pay on her student loans because she's choosing not to work. What a joke. I swear you are going to fucking turn me into someone that just wants to... You're going to fucking turn me into... What was his name?

1:09:25I don't even know. I don't know, but I just want to fucking just end everything because you guys are crazy. There are people who actually need help and then you ruin it. I did what ChatGPT told me to do. Yes, but the fact that you're able to is a joke. Hey, that's not my problem. I didn't make the rules. No, it's all of our problems. That's the bad thing. Well, I mean, like you said. I'm not against social safety. That's what I'm saying. What a joke this is. The current administration is, like, cracking down or whatever. Yes, but you're on it. We'll see. I don't know. The head of the Department of Education might be like, you know what?

1:09:58We're not doing this anymore after they see the show. If you see the show, please kick her off of it because she does not deserve it. She should be forced and garnished. She should actually learn consequences of her actions. I can't believe I'm even saying that. But whatever. It's so stupid that you're even allowed to do this. You specifically. Yeah, my baby daddy. Drink it all away and then here we go. Okay, so how long were you in school? Oh my God, forever. I changed my major like a bunch. Great, so we enable that as well. Good job, society. I finally graduated in 2018. I was going to be a teacher, but then I realized I f***ing hate kids.

1:10:34Well, then when did you go to school? Forever. I started like, I don't know. I was probably. How long were you in school? I'm thinking. Like off and on, probably from the time I was like 20 to however old I was in 2018. So if we're in 20. So like 30. Yeah, probably like 10 years. You were in school for 10 f***ing years and now you don't even have to pay back because you refuse to work. Yeah. And the thing with that is like I was bad. I would just take out the maximum amount every time, even if like I didn't need it and just, you know, do whatever I wanted with it. But that was a long time ago.

1:11:13And it is a lot of money for a degree that I don't do anything with, you know. What was your degree? Liberal arts. Because I was going to be a teacher. Because I was going to be a teacher. And I. You were going to be in a classroom? No, I know. Isn't that crazy? Yeah. Same. I know, right? So I quit my job at the casino with the intention of subbing for a year before going to get my certification. But then the world shut down and I didn't have that opportunity. Thank God. Good. Yeah. I wouldn't want you anywhere near a classroom. I mean, I could still sub if I wanted. No. Not after they see this.

1:11:56No. I don't know how your kid has made it. He's the best. He wins the spelling bee. He has won the spelling bee every year. He's won Staying Alive in Spite. Yeah. He's a good egg, that one. He is going to be resilient, let me tell you. He's well-traveled. That, too. So that was, like, one of the— That was fun, but just doing fun things and destroying our life financially isn't what will result in a healthy— Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only. Prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California and for delivery.

1:12:41Feel life. No. I suppose not. Suppose not. But see, with the travel, okay, but with the travel too, like his dad. So you're paying it$0? Yeah. That's such a joke. For the next 12 months. Such a fucking joke. And the only reason I knew anything was going awry is because my credit score went from like 720 to like 513 or something asinine. And I realized it was because the student loans started reporting. So then that's when I asked ChatGPT for help. Gosh, the people that come on the show like you, it just makes me look like the most conservative person. I promise. I mean, we don't do politics, but I promise I am pretty neutral down the middle.

1:13:19I'm right on issues. I'm left on issues. I just try to go where the facts are and I will change my opinion every day, any day, whenever new information comes out. But my goodness, people like you, what a joke. You make me understand the old white people that are like, meh. This is what I mean by I've kind of just been able to like float through on like luck and vibes. It's not luck, it's by the support of all of us. Because you would have been having to pay on these student loans. They would have been garnishing your wages. And then from what I can gather. We wouldn't be giving you money just because you have a kid.

1:13:52If I make the payments on time for 15 years or something, then it all goes away. If they continue to allow that, we'll see. I'm not knocking on wood for you, girl. I didn't ask you to. You should have to actually have at least one piece of responsibility in your life. One. I do. Your mom funds your living situation. You don't have to pay under student loans and you get my taxes because you birthed a child. Yeah. But again, I'm not even against the child tax credit, but look how you're using it. You're using it to travel. That's to take care of the fucking kid. Oh my God, I need the car. How am I going to get his ass to school?

1:14:25No, you could have afforded the car if you weren't traveling. It is the mathematical way it works. Okay, we went through that. Exactly, so I don't know why the fuck you're bringing it up. $250 in a checking account,$255 in a savings account. Okay. Our checking account went down. Well, yeah. Well, yeah, like it's supposed to. It's like a paycheck to paycheck. By choice, because look at this. Look at this, ladies and gentlemen. Ladies and gentlemen. Look at that mess! Ah! Two pages of that! But at least it's all in the - Shut the fuck up. Jack in the Box, Fortnite, Appleville, Sporting Goods, Afterpay, Stone Thromas, Jumbo Juice, Door Dashing Denny's.

1:15:13Fucking Door Dashing Denny's. Oh, that was from my mom. Amazon, have to pay DoorDash, Amazon, Amazon, Taco Bell, McDonald's, McDonald's, have to pay DoorDash in the burger. F*** you! Not even giving him nutritious meals. Going.com. Because it's late on the baseball night. I was in wireless. Shut the f***. Xander's something. Amazon, Microsoft. Fortnite again! That's for my son! I don't give a f***. Get his money. You don't have a lady. Yeah. I'm not paying taxes so he can get Fortnite. Is that two Fortnites in one month? Yes. I am paying for skins. Instead of being able to hire more employees, I am funding your son's Fortnite skins.

1:15:56He appreciate it. Apple bill. Venwaying out money. Etsy. Zelling out money. Apple bill. Zelling out money. Verizon. Zelling out money. Apple bill. Apple bill. Savings$161. What a f***ing joke. Monthly maintenance fee because you don't have enough in there. What a disgusting joke. Pull up your phone. Pull up your damn stupid phone. For what? Which do you want? For whatever I want. Okay. You look a lot younger in your profile picture. What profile picture? Oh, my Apple one? I was younger. That was at a time shift. Yeah, chat, GPT, period, tracker, iCloud, plus, moon, X, moon over the something. I got rid of that one.

1:16:37Peak, peak, pro, text art, and YouTube premium. Those are old as fuck. Yeah, well, some of them are expiring, but you just paid for them recently. So Narwhal for Reddit. What the fuck is that? That used to be a big thing, wasn't it? It expired just basically last year. So let me look at your Amazon. Okay, the Amazon my mom and I share. So some of them are hers and some of them. Meow mix. That's her. Shampoo bar. That's her. A lock. Oh, that was me. I ended up not even needing it. Sport tampons. That's me.

1:17:14Men's underwear. Oh, I got those from my boyfriend, sorry. Great, because... No, I was tired of looking at his old nasty underwear. He needed new underwear. So I got him underwear and socks. I've been getting nagged at you to get new underwear. I get it. I get it. I guess I understand. Derma rollers. Oh, that's me. What are you, trans? No, I'm going to start rolling my scalp with my Indian pharmaceuticals so that I can grow my hair more.

1:17:45Keurig. That's her. Lots of sprays and just lots of cat things. She's got cats. I mean, I got cats too. Yeah, apparently a thousand of them. My goodness. Boots. Boots. Boots. That's got to be her. Boots. Headpots. Okay, this isn't the worst, but there's definitely some in there and we have an expensive cat litter self-cleaning thing in the cart. $229. That's going to be for her. she can't be trusted to clean up after herself great so she should have cats trust me I know what a responsible pair we have here and then you said there was retirement where's this retirement do you want it on here I don't know what's your retirement just tell me it's from when I used to work at a casino two casinos you can pull it up if you want I'm going to try

1:18:40oh there's more than I thought. Here you go. Okay. We are in RBC Wealth Management. Not sure. $29 ,000. Okay. Where should you be right now? In three years, you should be at approximately $80 ,000. So you're dramatically behind. And that's just for having a chance of retirement. Honestly, that's not going to be good enough, obviously. But that's because your income is low. why we have it low at$80 ,000. You need to be making money. You need to be making money. I put 10 % away of my check right now. They just barely let me start contributing. Honestly, I would just take the match until you pay off this debt because still, even with the best returns...

1:19:25I don't have a match. Then you shouldn't be investing in anything. You should be paying off 30 % debt because you're not going to beat that in the market. Let me see what you're invested in. That's just whatever the man, the financial man. I let him do his thing. I use the same guy as my parents. You're using a guy for$30 ,000? I'm grandfathered under my parents. You're in some mutual funds, which who knows what the fucking fees are on this shit. I have no idea about any of that. Why? I took my 401ks from my old jobs and I put them there with that guy because I figured he did all right for my parents.

1:20:02What guy? I don't know. His name's Frank. Oh, for fuck's sake. He's a very nice elderly gentleman. Yeah, he's making money from you. You do not need someone to personally manage$30 ,000. If we're talking a couple million, then we can have a conversation because you can get some tax savings and whatnot. Are you saying I should take that out and put it elsewhere? Or what? Well, the thing is, I don't know. Well, you're going to want to trade in the account, so you're still going to have to pay capital gains. Well, I don't want you to face withdrawal penalties, but I would definitely get out of an actively managed account, that's for sure.

1:20:30And then I also got sucked into the whole GameStop thing. so I do have $1 ,500 in GameStop take it out well what's it invested in? is it just a random brokerage? but what kind of account is in there? just individual accounts? is it a Roth IRA? I think it's just like a day trading okay it's an individual account sell it get out use that money put it towards debt shut the f*** up you have 30 % debt I don't give a f*** I don't give a f*** But my hands are made of diamonds! Shut the fuck up. I'm sure this guy's taking a percentage of your earnings. He has probably a fee. Let's see what these mutual fund fees have.

1:21:14Or is this his mutual fund? Does he have a mutual fund of his own? I don't know. I don't even know what you're asking me. You have available cash,$15 ,000. Listen, of the$29 ,000 that's in there, half of it's not even invested. You're kidding. Nope, no jokes were made. Oh, that's not good. Not great. So can I move that money without penalty? You need to talk to him. Move it around and about? You need to talk to him. Okay.

1:21:40Why would it not be? Why would it just be sitting there not invested? I don't know. It's net expense ratio is 1.12 % a year. What does that mean? You're losing 1.12 % a year. Oh, fuck. Well, that's silly goose behavior. So you get a return of even 10%, which is the S &P 500. Then all of a sudden you're losing 1 % of that. It's so stupid. This is so stupid. Why are you trusting this guy? Why are you using a financial investment with$30 ,000 with half of it invested? I just went along with whatever my parents were doing. Frank, are you hearing this, Frank? Yeah, Frank. Fuck off. He's very nice. He's nice because he's making money off of you.

1:22:22That tracks. He's a salesman. Yeah. Yeah. But if I do it myself, I'm going to end up putting it in GameStop. Oh.

1:22:33Then maybe it's better with Frank. I don't know. Pay the fee for you being a moron. I guess it makes sense. The silly goose tax. Not a silly goose, you're a joke. I know that's insulting, but I'm not going to let you go away and think that you're actually just being cute. You're not. This is embarrassing. Your existence is embarrassing. right now. How you are living your life is embarrassing. I'm having an okay time. By the way, the expense ratio for example, SPY is instead of one point whatever the other one was, 0.09. Okay. So dramatically less. Dramatically less. Or for example, VOO, Vanguard's 0.03.

1:23:20Why pay these expenses? So stupid. And I guarantee you, mutual funds rarely beat the S &P 500. It's like something like 20 % do. So the odds are against you. Why did he pick mutual funds? I think that's his own actively managed fund. I don't know for sure. I don't know Frank. I don't know what he's doing. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave?

1:24:02Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. So you think, okay, get rid of the GameStop and do what with it? Put it towards that. Put it on a credit card? Or put it towards the credit card? Yeah. Your minimum monthly payment debt totals are$269.26 a year. What is your rent? $3.50. What about utilities? So the gas varies. Come on, average utilities. Let's say$70 a month. Including the internet? No, no, the gas. Okay, so I pay for the gas. Hold on, I pay for the gas and the trash. She pays for the internet and the electric.

1:24:47How much is gas and trash? The trash is$160 every three months. Okay,$160 divided by three plus$70. Your utilities are$134 a month. Okay, great. Got it. Phone bill. Oh,$160. I know. I'm going to get a different. I know. I know. I just paid my phone off. It's paid off. So now I can switch to one of them. You can use any of them. We like helium because he uses T-Mobile towers. Yeah. And I use T-Mobile, so. And if I was on a budget, I would switch to helium. But do you owe your phone? No, I just paid it off. Like, just paid it off. So you'll switch to that? I'm going to switch. Okay, I'll put it in$30 a month.

1:25:22One line, just one. You don't need your kid to have a line, right? No, no, no. He's on his dad's. Okay, good. Yeah, it sounds like that's why your kid's surviving. Okay, gas, room, room, drive, drive. How much? Like, probably like$200. You don't have a car payment, do you? No. Okay, what's your car insurance? $133. How do you have a paid off car? Because I bought it off Facebook Marketplace. That's right, because you got a loan from your ex-baby daddy because you've never been able to do anything on your own. That's correct. That is correct. So you only have the kid half the time? Yeah, basically.

1:25:51How do groceries work in the house with mama involved? She, listen to me, we're not fucking, yes. I'm just, oh, I'm checking because I need a budget. No, we do not, yes. Shh, shh, shh, shh. Groceries? $450 should be able to do you and the kid meal prep. I don't care. Use our budget-friendly cookbook. No, that's good. You guys get the signed version if you take the annual version of our budgeting app. TP fund, I'll give$150. Anything you and the kid need extra, like the sports tampons. Shove them in his butt. Whatever you got to do. Okay. Medical health care, anything co-pays? Uh-uh. What's your health insurance situation?

1:26:23I'm on poor people insurance. By choice? Yeah, by choice. What do you mean, by choice? You're choosing to be poor because you're not working? Yes, by choice. So, f*** off. Why are we enabling that? I don't know. I think the threshold's pretty high in California to be on that insurance, you know? Because I have me and my son on that insurance. and that's going to f*** everything up like if I do start working more I probably be responsible for your own bills he would have to go on his debt don't rely on the taxpayer what a joke just so you don't have to work f*** off what a nasty joke so nothing no copays no nothing no okay Jim no I'll give you $40 of subscriptions you choose where it goes how many pets you got I have two cats and then health and age One is a baby.

1:27:14One was born February 10th. And the other one is like five. Okay, get them both pet insurance. I'm going to... But there's going to be a dog when my boyfriend moves back in too. Age, health? He was born January. He's a year and some months. Health? Unfortunately, very good. Good. Okay, 100. You don't like it? I don't. I never didn't want a dog. I didn't want a dog. Why? They actually do things and have personalities. He's definitely not a personality. Okay,$150 for pet insurance. Okay. How much for pet food on a monthly basis? probably like 60 if you put both of them together 60 cat and dog 60 anything else that needs to be in your budget that I have not taken into account let me think I mean it's not like monthly it's probably more like every three months I do like to make big purchases on the Chinese gray market no you don't that's gone that's cancelled that's like a but it's like don't give a f*** you're prioritizing life listen you don't have much wiggle room I just put that No, you don't.

1:28:10Shut the fuck up. Shut the fuck up. $1 ,966.26. That's how much you need to survive. You are lucky you have a Google room, and it's all because other people enable you. $300, or... You have$233.74 left. Student loans, I'm going to take that out of account for not what? But that's only making the minimum monthly payments, right? Yes. I don't do that. I make more. Shut the fuck up. We're budgeting. Okay. Your minimum required, and then we're deciding where the rest of your money goes. What the f*** are you? $92 ,386. By choice. And it's not cute. Let's get rid of the student loans for now. We'll figure that out once you have to start making payments.

1:28:50And then I'll just do a traditional payment plan or income driven. If that still exists by that point. $23 ,600. $23. What? No, we're minusing the baby daddy debt, I guess, right? No, no, that's not real. Yeah. Okay, so$8 ,618. 54 cents of bad debt. Divided by your extra. That's it. 2.33. That's it. You have no respect for the dollar because you've just been enabled your entire life and then we've paid for you. What a joke you are. Oh, I'm disgusted. Takes three years to pay off your debt. Good luck. I'm disgusted. I'm ending it. That's not bad. I'm disgusted. I'm ending it. It's not bad. It's not bad.

1:29:30How is it not bad? No, three years is not bad. Like, that's really doable. Three years if you budget off of nothing, which is what I gave you. But I'm going to have another human in the house with me. I'm going to have my boyfriend with me, and that's going to be helpful. Yeah, until not again. That's not getting up. Yeah, it's only happened historically throughout your entire life. What the f*** are you talking about? You're not cute. You're not funny. You're disgusting. And you have a child that you need to take care of. You're a mother. I take great care of him. No, you don't. I do. No. He exists because of your f***ing baby daddy.

1:30:05and his parents have means. You're a joke. You go to jail, you get DUIs, you smear poop, you get people fired, you do revenge, you just go on vacations, you don't work, you suck the tear to the taxpayer on multiple fronts. You are a joke. You are a joke and I'm not going to let you think you're a good person. I'm not going to let you think that you are cute or funny. I'm going to tell you how it is, even if it is mean, even if it is brutal, because I cannot have you walking around thinking you are something more than you are. You need to change this, you need to change your behavior, you need to change your life because it's embarrassing and it sucks for the rest of the people around you.

1:30:39Join Hammer Elite description below. Best YouTube membership on the platform and it's the second largest by subscribers and stuff. So thank you for that. We appreciate it. And that's for a reason because we have lots of extra dedicated shows on a lot of things and it really helps support the channel. Thank you so much. Make sure you join that. But I'm going to do the Hammer Financial Score. Spending a budget. You overspent. So 0 out of 10. That is bad. I'm surprised you don't have collections. I don't know how the timeshare didn't go in collections. That just kind of went, nah. I think it's some weird real estate loophole thing.

1:31:15What? The timeshare. You just stopped paying? Because I stopped paying on my half altogether. He paid his half off. Eventually. They did send a few. I hope it's in collections. I hate timeshares, but you deserve it. I look all the time. Emergency fund, nothing. Zero out of ten. Retirement, you're behind by. A few years. What was in it? It was like 30? Yeah. Yeah, 30. No, no, no, no, no, no, no, no, no, no, no, no. Yeah, about a 3 out of 10 there. Real estate, 0 out of 10. Timeshare don't count. No, no, no, no. No, no. No, we don't. Hammer financial score, 1 out of 10. Join us in the post show.

1:31:56It went up. Shut the fuck up. Join us in the post show. I'm going to somehow survive that extra 20 minutes of the show. Oh, shit. Oh, shit. Oh, shit. What? I have all the screenshots. Yes, you do. Am I allowed to? Yeah. Oh. Because this is good drama. He says, oh, fuck, bloating mind things. One of the hottest things I've ever seen. I can't keep texting you. He was drunk. He was ready. Fuck her. You can call him and confront him. You were totally going to fuck leave her name, weren't you? No, hell no. What are you talking about? Buddy, you proposed to meet up with her. Oh, her face is in this one.

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