The Most Delusional Woman In Financial Audit History

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24:27So if your private student loans are burying you, it is time to reach out. Y-Refi wants to help you climb out of debt, not push you further into it. Check them out at Y-Refi.com slash hammer. That is Y-R-E-F-Y.com slash hammer. or call 888-973-3978. That is 888-973-3978. Break free from the high interest trap and get your finances under control once and for all. And how much does it cost to pay for these? How much does it cost to attend? For the bigger events. The average weekend event. The ones that I travel to. So if I drive or fly, it's obviously going to be a little bit different, but it's between like 600 and 1 ,000.

25:10Except for World Championships, which is in August. World championship. Which is a whole week. That's a whole week, so that's a little more expensive. How much does that cost? Yeah. I should know, but I don't. Over$1 ,000. Tournament entry fees, hotel. I drive there. It's always in South Carolina, so it's drivable. And what are you hoping for here? And I share a hotel every time. Who? Friend. Okay. Of the male persuasion. Uh-huh. Yeah. He plays. He's a pro this year. You get nut in your hole while you throw bags in other holes. I mean, yeah. That's the way to do it. Are you sure you're not only doing this to get your love?

25:46No, because I started playing before I even met him. No, I know. But now are you not just doing this so you can meet up with your long, I'm assuming long distance. Yeah. Because you guys meet at these locations. Yeah. I mean, so he's in Illinois now, I think. Sounds like you have extra encouragement. Well, I feel horrible for him. Why? I feel horrible for both of you. Knoxville, Illinois, f*** off. Knoxville's great. I love Knoxville. I grew up in Orange County in California. And I moved to Tennessee and I have no regrets. I absolutely love it there. I love it there. Your money goes way further.

26:16I could buy a house by myself. Yeah, but there's more to life than just that. Listen, I'm not like defending California even, but at least Orange County here is halfway decent. Yeah. I mean, I don't think that we necessarily belonged there. My parents moved us there and they shouldn't have. I was born in Arkansas. They took us to Southern California. They didn't make the money for that. I don't care. I do not care. This contributes nothing to this conversation. Fine. I just, I'm sorry. Your Knox was great for the record. Uh-huh. Okay. Okay, but I'm just saying, are you not extra encouraged to blow all this money and spend all this time that honestly you don't really have instead of growing up to be an adult in order to get, you know, the fucking his bags in your doll?

26:59That's not the reason I go, no. But extra encouraged. It's nice to be able to share. Do you get loaded? Listen. It's nice to be able to share the cost of the hotel with another person. It reduces the cost I have to pay for the travel. And has come. Okay. Does that happen every single time? I mean, we stay in the same hotel. Exactly. Well, by the way, I mean, I've stayed places with women. I have, no, I know, I have too. I've traveled with other people before and like, yeah, I would just get two separate beds. We don't do that. We get one bed. Is he hot? I think he is. Let me see.

27:34He can. Oh, what the? Oh, okay. That's at a cornhole event. Oh, yeah. He's wearing a literal corn stars shirt. It's a jersey. This is a whole thing. It is. He looks a lot younger than you. He is. How young is he? He just turned 30. Oh, okay. So not like way younger, but younger. We don't need to talk about it. You already did. Okay. So, again, come on. Let's be honest. You certainly have an extra incentive to go. Sure. Yes. How long have you guys been seeing each other? It depends on what you mean by seeing each other. Taking his cock.

28:20I'm so bad. It's either like, I think it's like two, three years. Wait, how long have you been divorced? We got divorced before I moved to Tennessee. So I think it was 2015. Oh, okay. So you've been single for a long time. Yeah, yeah, yeah. Okay, so you've been getting railed? At these events for three years? Two years? Yeah. It's a good time.

28:47Yeah, no, I don't blame you. I don't blame you. Listen, as a fan of being a railer. No commitment. You know, live our own lives. Ah, so that's the thing. So is that what you're doing? Are we just on the free-flowing fun train cornhole tournaments? Yeah. Yeah, but you know this means that you cannot sacrifice that because this is where you get your love. This is where you get your affection. This is where you get your social. But I don't want to sacrifice that. I don't want to, like. What do you think a sacrifice is? It's something you don't want to do. I have scaled down, though, from last season and the season before.

29:17Define scale down. What does it look like? What does it look like? So two seasons ago, I spent, two or three seasons ago, I spent, and I invoiced it. We got a backstory if you want it, but it was$16 ,000 for the year that I spent. In tournament entry fees and travel, gas, hotel, airfare, if I had to fly, that stuff. And I went to, I think it was 11 out of 16 of the big events. Like I went to just about everything. Well, no, 11 out of the 16. Well, a lot of them. But they were all the big ones where you had to, it was the more expensive ones rather than just the local tournaments that we play. You have those five poverty ones.

29:50Well, we've got local tournaments during, like in Knoxville area during the week, throughout the week. And then weekends have, it's a little bit bigger. Is that why you moved to Knoxville? Is it a big cornhole time? No, I actually didn't start playing until I was already in Knoxville. I hope I don't pick up those kind of hobbies and lifestyles in my 30s now that I'm well in it. It was like a social league that did a bunch of different sports. They did like softball, cornhole, all that. And then you cut back. What's your cutback? So we just had our fifth open of the season. And usually by that time.

30:18When does the season start? October. It's October through August. It's pretty much year round, honestly. Oh, yeah. They make money. Yeah. They want to make money. So October is the beginning of the season. The one that I just went to in Myrtle Beach was number five. Normally, I've gone to at least three already. And how much have you spent? I think for that, it was four days. It was probably around$700 for the whole four days. Okay, listen. No way you didn't spend more money than that because food and whatnot. Or did the man? We split it. Split food? We split the hotel. Yeah. We're not in a relationship.

30:57Split food, split pleasure. We're not in a relationship. Yeah, but it's railing. We split the hotel. He'll pay for dinner. I'll pay for dinner. You know, we make it fair. So how much are you actually expecting that you can make from this? If this is our commitment in time, cornhole champion of heroes. It's more, the big events are more for the social aspect of it. Like there is the ability to win quite a bit of money. What's quite a bit of money? Tens of thousands of dollars. That's if you like win your bracket or win like the face off. And how close have you ever gotten? Not that close. Uh-huh.

31:31Right. But that's what I'm saying. It's like the big events are more, at least for my level where I'm at right now, are more of like the social aspect of it. Where I see all my friends from around the country. Sometimes like the other, sometimes Canada. I think they come down every now and then. And I would never get to see those people. But we all go to these events across the country and we get to. In episode behind the scenes production note here. Wes or Colton or Brandon, can you please tell Mark to go get a cornhole set from Walmart real quick? he should be back by the time we're done so we can go to the he tried but I can get Mark to do anything make him go in the rain his little Mexican ass is gonna melt okay we're gonna get some cornhole okay I brought a set of bags with me just in case I have one

32:28that's a real cornhole bag how i don't know what a fake one is well they're like the literal a corn in a bag like if you get a set off amazon or something it's usually like kind of hanky boards okay cornhole elitist all right power power dragon that's the type of bag No, that's the line of the bag. There's different fabrics, different speeds, different fill. Something for everyone to spend all their money on. It's fun. Okay, so you got divorced and you immediately fleed California? That was the play? It was like half the reason. Maybe like half the reason why I left. Five years? Okay, what happened?

33:10I'll see if I feel bad. It ended up being a lot of one financial abuse on his part and domestic. Oh, I feel bad. Yeah. Okay. So you say you're a credit card person. Why don't I have all these balances in front of me that are not going anywhere? You don't know your income. I guess actually kind of know your debt situation. Like what do you mean you're a credit card person? How can you say that? Make your argument. Lay it out. If everyone around you is telling you to lay out your argument. Okay. So I know you've already yelled at me about I'm not a cashback person, but I have a cashback person. It's not about being a cashback person.

33:44So listen, I use my credit cards strategically based on the category of the purchase. So like all my travel stuff goes on one card. All of my dining stuff goes on one card. And they're all set up for 3 % cash back by category. Doesn't matter if it's losing interest. So when everyone around you is telling your f***, what are they saying? What is everyone around you saying? Mostly that I waste my money on bullshit, which is like a stupid hobby. But you disagree? I disagree because I don't think it's a stupid hobby. It can't just be cornhole. That can be your entire life. A lot of it is cornhole.

34:21It's the traveling. It's investments I've made into my passion, if you will. Okay, how much have you spent into your passion? Dude, miscellaneous bullshit was$2 ,000 itself. Definitely overspend, for sure. Okay, so everyone around you is right. Well, it's like the online shopping for me, like as an example. Online shopping? Online. I don't like to go shopping in stores. Like, I just, I'd much rather just go or something. Wait, you might see a minority? You get terrified? What? What the f***'s going on? Not at all. Go outside? Scary? No, I just, you know, it's just easier. Rated T for Teen. Hey, everyone.

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35:36You should not be struggling. Yeah. Like I said, I have an overspending issue and then my hobby is on the expensive side for sure. The bullshit spending, I don't consider cornhole bullshit spending. But I do have – It's something that isn't actually like – it's a hobby. Hobbies are still bullshit spending. You can't say it's not. It's bullshit spending. It is not necessary to you being alive as a human or improving your financial situation. Bullshit spending doesn't necessarily mean bad. I give a bullshit spending category of 30 literal percent of your income once you're out of debt and haven't fully funded emergency fund.

36:14I just don't consider it bullshit spending. With what I just described, how can you not? I just don't. Okay. How does cornhole,$45 ,000, whatever the f***, go towards paying off your debt? It doesn't, I guess. Okay, how does it go towards you being alive? You staying alive, keeping a roof over your head. Happiness? No, that's not staying alive unless you're contemplating suicide. Well, no, but— Then shut the f*** up. So how does it actually— I don't want to be a miserable human being. Is it a life necessity? Then it is bullshit. That doesn't mean it is bad necessarily, but it's all contextual.

36:49It's contextual given a financial situation. Your financial situation is you spend$11 ,000 when you bring in six. Your financial situation is you have— What was it again? A hundred and— No,$225 ,000 of debt! Including the mortgage. Only$173 ,000 of it is a mortgage. Right. So$50 ,000, essentially a debt. Outside of your mortgage, that's insane. Yeah, it's not ideal. Okay, so that's why I'm saying it's bullshit spending. It doesn't pay that down. It doesn't do anything to keep a roof over your head. Doesn't mean it's bad. I don't tell people they can't go out to eat once they have a fully funded emergency fund and they're out of debt.

37:26I don't. I mean, I don't spend a bunch of money going out to eat. I just happened to funnel all the money, all my quote bullshit spending into one avenue of my life. You spent 2 ,000 hours last month. Is that what you're telling me on cornhole? Because I had 2 ,000 hours of miscellaneous bullshit. So if it's not on cornhole, you have a lot more outside of cornhole then. Yeah. I mean. So what the f*** are you talking about, dude? It's not just cornhole then. Not most of it is. You're eating out with small, but your miscellaneous bullshit, your spending on bullshit was still substantial. It was literally, of your income, 33%.

38:0033 % went to miscellaneous bullshit alone. What's considered miscellaneous bullshit? We go through the purchases later. You've seen the show. But that is the category. That is the category. There's other large purchases. It's hard to tell if they're bullshit or not, but there are other large purchases of which we'll go through the purchases. Individually,$4 ,684. Combine those two together. That's your entire paycheck. Actually more. Just miscellaneous bullshit and other large purchases. And that's only about 65 % of your spending last month. It's not great. So what the fuck are you doing? How can you tell me they're wrong and you're right?

38:42How can you tell me, no, it's not bullshit? Your spending was egregious. Your debt is horrendous. And you have no idea where any of it's going, including how much is even coming in. because you literally pay advance every single day of your life. Do they know that? Do they know that? I mean, I get a little... Do they know that? Probably. Your friends know that. Oh, I don't know. So they're telling you you're financially f***ing and they don't even know that. So you're probably going f***ing on top of what they even think. But I'm not getting fees for doing that. Like I'm not putting myself in a worse position.

39:13I don't feel... No, no, no, no, no. But you're budgeting by the day, not by the month is the thing. And when we're budgeting by the day and not by the month, a proven method of actually budgeting. You're never going to make any progress. You're spending more than you make. You are in 50 ,000 hours of bad debt outside of your mortgage. It is not working. So everything adds up to it is not working. So your daily pay advances are not working. It's not benefiting you. You're only going in a negative direction, spending more than you make. So you can't tell me it's not f***ing regardless if there's fees.

39:45Is that about just if there's a fee or not? Is your life working? Your financial life? Is it working? No. And everyone around you is telling you that for a reason because it's not. I mean, that's why I know that you can give me some tips and things like that and things that I can change. Okay, spend less than you make. Yeah. Cornhole isn't necessary to keep you in a roof over your head. There you go. You figured it out. I did start trying to, I know everybody's changed for the show, whatever. And maybe try to settle down with someone instead of taking random dick on various weekends. Well, it is the same person.

40:15It's not like it's random people every time. At least consistently. Anyone else? So you only get sleep with someone once every few months? I mean, it depends. Like right now I'm going to less events. Yeah, is that not depressing? You have human needs. It's not depressing to me. What do you do all day then? Work. You're remote? No, 40 hours a week probably. I doubt you put in more, right? I do. Probably like 50, 55. Why? I'm kind of like a one of one in my role. And there are multiple teams. Leverage it. Well, yeah. There's multiple teams that depend on what I do in my role. And they're on the West Coast.

40:52So I'm off the computer like 5 p.m. Eastern time, but they still have three or four more hours left to their day. How long are they going to accept that? Except what? Because I know you must have been in person a while in California before you left, right? Yeah. How long are they going to accept a remote worker that's not on the same timeline as everyone else? I mean, I was out here. I've switched jobs since I moved to Tennessee. I was hired as remote. Oh, yeah. So I'm fully remote. And they actually... COVID remote though? No. When I was in California, the job I was working before I moved, it was, we all got sent home to work from home for COVID.

41:27Okay. And then I moved during COVID. So what do you think your financial score is? Zero to 10. Zero being the worst, 10 being the best. I think like a seven. If you want your financial score, take the assessment at calebhammer.com. It is free. See where you stand in the world of money. See where you're doing poorly. What you need to do to improve. And where you're already doing great. Just takes a few minutes. Again, it is free. And if you don't want to be like a guest who ends up on financial audit, make sure you download the DollarWise budgeting app. 5.0 is out and it is incredible. The best budgeting app out there.

41:57It's not complicated for people to even get through the onboarding screen like on YNAB and like shit, people fall off immediately. It doesn't force you to use a financial system that they dictated like Ramsey's. It doesn't try to sell you a mortgage like rocket money. And it's not private equity just trying to collect your data like they have with Monarch where this is raising like a billion dollars of private equity. This is a budgeting app made by the people just like you, for the people just like you. No external funds raised. It is incredible. It is the top of the market now. Take the free trial.

42:26See if you like it, dollarwise.app. And only through the end of March. If you do like it, sign up for the annual version. Most people do because it saves 50%. And you get my budget-friendly cookbook signed by me, mailed directly to you. SoFi, what is going on? Is this student? No. Personal. Personal alone. Okay, so what's going on with the SoFi personal loan? Okay, so the SoFi loan I took out, it was a$20 ,000 loan that I anticipated covering the entire cost of a barn, 800-square-foot barn in my backyard to practice and play cornhole. What? $20 ,000 for a cornhole practicing place? It was more than that.

43:07How much was it for your cornhole practicing range? I think it ended up being like over 60k What the f*** is wrong with you? When did you do this? So I started Do you have anything else going on in your life? It was over a period of two years Do you have anything else going on in your life? No What the f***? This is insane What gamers don't spend that much? Now what other hobbies are there? Gun enthusiasts maybe But not over like that quick It wasn't supposed to be that expensive It was, asshole. Obviously material. What the f***? Show me. Show me. You better have a picture. We'll put it on screen.

43:45I have an album for you. An album? What? It was a curated f*** album for her special little portal range? Whatever. Has Mr. Illinois Penis been there? Yeah. I mean, he's been there once. He's seen it? Yeah. And what did he think? I mean, I don't know. We just threw in there for a little bit before we left for a trip. What? He wasn't impressed? If I was a cornhole addict, I'd be impressed with the$20 ,000 cornhole range in someone's backyard. What do you want to see? Do you want to scroll through all the pictures and see? The cornhole range. Well, unless it all of a sudden— My fear of your cornhole folder is all of a sudden it's your hole being plugged in bed just in between a lot of photos.

44:23No, it's not. It's just the construction pictures. No, just show me what it looks like now. That construction. I'm finding it. The end result. The result of the end. Hold. What did all of our money f***ing lead to? Okay. Because you just spent$1 ,000 trillion. Oh, Colton's telling me it's not even done. What is it gonna cost to get done? It's not done because I needed to stop - What the fuck did you have to do for a cornhole range? I needed to stop spending so much money. Is it not a cornhole board? Another cornhole board? This isn't even - And that's it? What all do you need? Oh, up. What happened?

44:56Well, 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. I had good intentions, but the first app was a complete dumpster fire. I was trusting the wrong developer. A net 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 38 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 dollar wise 6.0 is finally launching on february 17th rewrite your money story learn more at dollarwise.com we're so back that's kind of stupid i'll be honest but what's not is actually getting a checking account that gives you free money free money we like free money you can get up to 350 dollars in bonus cash right now when you sign up for the checking account that I use, Chime.

46:57Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that$350 right now in your checking account. What the f*** are you swiping through? How is this that difficult? I'm trying to find the done picture. You said you only want to see the finished one and not really. Well, why would I want to see the f*** construction? Well, right. I'm almost there. Well, right. Okay, you agree with me. I promise you. It's coming up.

47:27How much is it going to cost to finish? What do you need to do? I just have to do the floor. It's inside? Yeah. You built a whole building for it? Oh, my gosh. You built like a vent center for this thing. So as I was building it, I was also like I made. This is insane. You built a whole house just to throw cornhole. It's so fun. Oh, it's not even cute. Okay. Well, I mean. Well, it's not because you haven't done. No, come on. That's not even a room. I haven't finished it yet. That's objective. You haven't done anything to it. I haven't finished it yet. It's just a gray room. Like, right? What's the drywall?

48:00You can't say it's cute. Exactly. So don't be insulted by that. I didn't say it's cute. You said it was cute. Yeah, but I said it's not cute. And you were like offended by it, I saw on your face. Like, that's, I mean, that's objective. It's not. Well, it's not done. Well, once it's done, it might be cute, but it's not cute now. and you were offended by that? It's drywall. I wasn't offended by it. Your face was offended. No, it wasn't. I saw your face. I have to do the floor and then paint. What floor are you putting in there? So I want to do like - You have to pay for flooring. You spent$20 ,000 and this is - No, it was more than$20 ,000.

48:28This is what happens when you are a single woman in your 40s. This is where your life leads. This is where your life leads. 50s. This is where your life leads. Oh, listen. and you don't have to tread it up and pop out babies. I'm not saying that. But there is a certain biological thing that I think humans crave because it ends up in this. With this. It's awesome. It ends up with this. Well, okay, so to be fair, while I was building this one, I did not expect it to be... What the f*** did you expect it to be? I found out later that with construction projects, you're supposed to double it for your budget, whatever you expect to pay.

49:09Your budget was 10? No. My budget was what? My budget was like 25. And then, but there's, but they, I guess people in construction, they say. First of all, 25 is insane. What the f*** is wrong with you? 25 for a cornhole? Well, f*** off. Okay, listen. This is what happens being single in your 40s. Listen, I have a slope in my backyard. So I had to cut down all that dirt. You were moving earth for a cornhole? Yep. Single woman in her 40s. It just keeps leading back to that. I love it. I feel like you would like it if you played. No, it's not that it's like, it's just like, this is your life. This is everything.

49:43There's nothing else. There's a community involved. It's not just like I go to throw bags in a hole. Yeah, but you travel to them to like Myrtle Beach. Yeah. They're not all coming to your f***ing hole that you spent$25 ,000 on. No, it's just for like me and my friends to practice in. There's a whole community. Okay, what have you spent so far? If your budget was$25 ,000. So I got a lot of the contractors that helped in different stages of the project. This is insane. They actually ended up being sponsors for the season. So they took thousands of dollars off of their cost. How much has it cost you, woman?

50:18It cost me probably upwards of like$45,$50. Because everything was, I know, I'm sorry. Don't yell at me. $50 ,000 so far for this?

50:41There's a... Quiet. Okay.

50:49That's... That's historic. I've never heard anything like that on this show. It's not that bad. No, no, no, no, no, no, no. That is historic. A historic what the... Okay, so you have a mini split in there. It has its own meter. It has its own meter. It has a roll-up door. I was trying to— A roll-up door? Why do you want a roll-up door if it's going to be a nice spot? Because, listen, I made some decisions in the building process that if I wanted— Of your 50 ,000. If I wanted to ever at any point sell my house, that it would— It would, think of it this way. If somebody looks at this building being in the backyard of a property that's going to be.

51:34That's a cat lady in her 50s. Somebody who would purchase my house in the future if I decided to sell. That's a garage that they can work in and that has its own meter. It has its own everything. Sure, except it's quite narrow because you're thinking cornhole. Well, it's 20 by 40. 20 by 40, 800 square feet. Okay. But you have spent$50 ,000 on this home addition, of which will not equate for$50 ,000 more in the market, to be clear. And it's all for cornhole. But it's up to cove. I mean, everything's up to cove. We're single in our 60s building cornhole domes. I'm not in my 60s. I'm in my 30s. Allegedly.

52:15Allegedly. And you have to lay it on floor. Flooring's going to be, if you even do cheap. No, it's, I was going to do the flake flooring. Huh? The flake flooring. What? I think that's what it's called. Epoxy? Yeah. They do the flake. So this is going to be a full-on garage. You're not even making this a cool little place. You're spending this much money on it and at least lay down vinyl. Vinyl's not even that great. Well, no, because again, preserving resale value. Having the roll-up door is good. If somebody wanted to buy the house and have a garage. Yeah, but vinyl is why I would save vinyl so you can enjoy it.

52:44It's relatively cheap to put down, a couple thousand bucks probably for this space. And you can easily rip up vinyl and then epoxy. Well, yeah, but the epoxy is only, I think I got several quotes. It is, but you're shitifying this area. Now, if it was strictly That's good for garage. I'm R.J. Decker, a private investigator uncovering the Sunshine State's darkest secrets. Tuesdays, it's the premiere of ABC's hottest new crime show. R.J. freaking Decker as I live and breathe. He's a private eye. It's not a standard murder. It's someone bigger. And a public mess. Trying to get someone back to prison today?

53:18You go to prison one time and suddenly it's all the jokes. R.J. Decker, series premiere. Tuesdays on ABC and stream on Hulu. Flooring, though. Yes, if you were using it as a garage. Listen, but you're planning on staying here for a bit. But for, right. No, no, no. Listen, I can't believe I am on the other side of this argument because I'm actually advocating for you to spend more money, and it's stupid. I need to slap myself. But the thing is, you are building this to be a cool woman cave. For a cornhole, you can epoxy when reselling. You're not using this as a garage. Make it the nice woman cave.

53:51For now, just put in some— Listen, because vinyl is still the cheap option. It's going to be a couple thousand bucks for this, probably, this room. For the vinyl? Then why wouldn't I just do the flooring that I want to do? What do you want to do? The flake flooring. No, because I'm trying to make this area cool. It's not a garage. You can pick your colors and stuff. You can— This is not a garage. Right, but I'm going to decorate it. So I have a board. How much more are you spending on this? Reasonably double. No. Double it. It won't. No, double what you're going to say. Okay, 5 ,000? Okay, so 10.

54:27Maybe? Oh, no. I was including the doubling. So 55 ,000 total on this is fucking insane. That's fucking insane. But it's going to look super cool. You could have done so many things in your life. I paused on decorating and doing the floor because I didn't have to finish those things. The other things I had to finish for. You should have paused on this entire experiment. Okay, but I didn't. So here we are. I didn't pause because I had the, what's it called? You're getting custom cornhole boards that are$75 each and you need at least 20. The tops. So I have a board sponsor who's local to me and he does like all the.

54:59A board sponsor? He makes all the boards. Maybe you should have picked up heroin. It's a cheaper hobby. I was going to bring you guys your own with your logo, but I thought I'd get yelled at. But then you didn't. Well, I didn't because I thought you'd yell at me for giving you. Well, believe it or not, on the show I yell at you regardless. That's fair. Maybe I should have. Maybe it would have softened his, whatever this is. The sass. No. Maybe. But no, I want to have like different people, friends, other people who play or sponsors. Bro, you are in your 90s and you have spent - I'm not in my 90s.

55:29You're spending$55 ,000. But I'm going to get the board tops like designed by different people. This is the most stupid spending I have ever seen. Get them printed and then that's going to be the decorations for the building. Worst spending I've ever seen on this show. Dumbest thing I've ever seen. No, not the worst. There's no way. Dumbest. There's no way. Dumbest. Why? $55 ,000 on something that is not providing that equity position. Invest in your passions, Caleb. That's just not the word invest. Okay, but think about people who own horses because they love horses. It's very expensive. Horses can actually have a better return on investment because if they're good, then they have good nut.

55:59They have good breeding. Exactly. Right, but people who use them just for like their own enjoyment and entertainment. Then it's not investing. You're not getting an expected return on investment. Well, right, I guess. It's a fun, it's passion, but you just blew$55 ,000 plus all the traveling you've done. You've likely spent over$100 ,000 on cornhole. Yes, in the past decade. $100 ,000 and now you have nothing to show for it you have a room that probably adds an extra 10 ,000 hours in equity if you're lucky because it's just going to be a garage at the end of the day for anyone else they don't care about all the extra shit you're putting into it and I don't know I don't know Colton's telling me it almost ruined your career well in the post show if Mark brings the board I'm being told this almost ruined your career at one point ruined my career here.

56:50Oh, oh, yeah. Have you ever heard of the yips? like in sports. Never? The most well-known is like baseball players. Like they're in the major leagues, whatever, and all of a sudden now they're throwing the ball straight into the ground. You've probably heard of it before. Like I can't think of the person's name, but it's like this. Well, I wish it happened so you didn't spend all your money on this. Well, I mean it did. That's why I'm not playing as much right now. I got the yips last season. It sucked. And so like my body, something I've done a million times, the mechanics, like you've done the same thing a million times, you know how to do it.

57:21Muscle memory. all of a sudden like there's like a disconnect between your brain and your body and I wouldn't let go and it would like go straight up in the air so what are you doing now well you're gonna hate this I got a mental performance coach last year but he was a sponsor so that was everyone's a sponsor well I think you need an actual sponsor no no I rarely even drink I only drink when I play cornhole at big events and that's just because I have anxiety On this fucking house that you spend a shit ton of money on, this extra bonus house, you literally have a$13 ,319.91 personal loan on it with SoFi at a 15 % interest rate with a disgusting minimum monthly payment of$385 .64.

58:07It's one thing. It is one thing to spend$55 ,000 on this. It is a completely other thing to have over$10 ,000 in horrendous personal high interest loan debt for it. What's considered high interest? Just for my own understanding. Like what's considered high interest? Well, I mean anything over four is not great except for potential mortgage. Anything over eight is certainly getting high. And you're at 15, that's high. Yeah. For something that is ridiculous. Ridiculous. This is the dumbest thing I've ever seen. A 15 % loan for a cornhole house. Fuck you. What is this? It's a good time What? It's a good time I'm not saying it's not I never argued that I don't understand that argument I've never suggested otherwise Okay

59:05What is the hundred bucks? It looks like you pay this off every month So I'm not writing this down Sunlight Financial So that one's at 1199 % I think That was four So that was an additional cost I didn't know it was going to happen. Oh, this is your amount. Dude, what's the actual balance? Oh, so this actually is something. What is this? It was for my HOA. I live in an HOA. I know. What? And they said I had to have the barn look exactly like the house. Oh, now we have a vinyl siding. Other extra vinyl for our cornhole. You have a second one on your cornhole hut. Your cornhole hut. Barn. Did he f*** you in the hut?

59:50No. So it's not even worth it. It's not even worth it. It's not even worth it. It's not even worth it, you moron, you idiot. It was an unforeseen cost, additional cost. Of how much? $6 ,000 and some change. Yeah. It was the gutters and the vinyl siding. Shut the f*** up. You, listen, I don't even care. Again, do whatever you want as a single person, but you would have been better off marrying with kids. This is insane. I disagree. I'm too selfish for that. No, no, no, no, no, no. This is insane. This is insane. What you have dedicated your life to and the amount of resources you have put behind it is beyond insane.

1:00:30Beyond insane. And now you're getting the yips so you can't even do it. You can't even do it. Building a 50 ,000... You probably spent like 150 ,000 hours. It's getting better. The yips is getting better. Well, that's a shame. At least it would encourage you to stop. I went to my first event in Myrtle Beach over New Year's Eve weekend, and it was fun. It did good. Oh, here's the details. It did a 12%. I told you that. They have a 15 % one and then a 12 % one. Your life is broken. You are a broken individual. $6 ,157.64. What is wrong with you? at a 12 % interest rate with a minimum monthly payment of$104.

1:01:16Currently on this house alone, you owe$20 ,000 for the shed. This shed where we need to lock you up and never let you go outside again because you'll make a mistake and build a second one. Your cornhole palace of barn. Off palace. Well, okay. So here's my thought though. Quiet now. Well, hold on. Do I even want to hear your thought? Your thought has led to spending probably$150 ,000 on cornhole in the last decade. Shut the fuck up. The 401k though is meaty. I could take that out. Some of it out at least. So this is where the single woman's brain lands once they're in their hundreds. I'm saying I could.

1:01:59Once they're in their hundreds, they throw away everything they have saved and invested for their future. that no longer matters because they have nothing to add to society anymore. So they just, this sounds very red-pilled right now. I'm mostly exaggerating for you to feel shame. Okay. Because you deserve it because the Cornhole Palace is insane. But either way, it's just like, okay, okay, okay, okay. Let's take away the stupid red pill for shame's sake. Okay. You actually saved up for a future, but you actually don't have like, what is your future? What do you have? Is that because you're single?

1:02:37Well, no, no, the single part. Is that because of kids or anything? I don't really give a shit about that. But yeah, if you're not going to be with it, like what do you have to look forward to? So now you're like, let's build Cornhole Palace for$50 ,000,$55 ,000 at 1 ,000 % interest and let's wipe away all our investments towards it because we actually have nothing to live for, right? I mean, is there not logic there for that? Well, I mean, if that's the case and I have nothing to live for, why not just cash out the whole 401k? Well, exactly. That's what I'm saying, where the logic might be. Pay off all the debt.

1:03:03Which sucks. Then I can supplement all my travel. Why not have something to live for so you can at least manage you keeping your investments and whatnot? Well, I'm trying to. But you're right. There is like no point. There is a point. I need you to be able to survive in your retirement. But it's like I understand why you have a dark cloud of gloom. Like who cares about the retirement at this point, right? Well, I mean it's pretty meaty. There's a lot in there. No, for your income and age, you're behind schedule. What should I have? You should have, well, you're 40. I'm not 40, I'm 38. In two years, you should have about probably$230 ,000.

1:03:43Okay. Of 160. Five. Six. 165. I think it's 173 now. Okay, the market did some moves. Still behind. And maybe you'll get, if the market does really well these next two years, maybe you'll do it. But if it corrects, you'll be. So we are behind. But the fact is, like, this is actually a really good start. you'd still be like an 8 out of 10 score on the retirement. But the thing is, you're willing to throw it all away? I mean, maybe it kind of makes sense. I mean, you've been with... But it's for the palace. It's for the palace of Cornhole. Exploring options. I know that there are 401k loans. Options pay it off.

1:04:16You already work. You make money. Stop being a... And throw it towards the debt. I don't know enough about 401k loans to know if that's a good idea or not. I'm just saying it's an option. Okay, well, your money wouldn't be growing in the market that you used to borrow. All the money you'd get is paying back to yourself. Not very good. And if you lose your job or quit your job, become disabled and lose your job for whatever reason, could be a million reasons to lose a job, it is due like in 30 to 60 days. If you lose your job, whatever you take out. Yes. See that? I didn't know. Okay. I thought something like that was the case.

1:04:46Well, I thought you were just going to pull it, not even take a loan. I thought you were going to pull it. You were going to take out. What's the difference between the two? Okay. Well, a loan is a loan. Right. But you pay yourself back, right? Yeah. And then you take it. If you cash it out, that's different. You have to pay early redistribution penalties. Early redistribution penalties. It's 10%. But apparently I'm 90, so that's okay, right? So it's okay for you. Plus, whatever your income rate is, which is a juicy income rate, you have to pay that percentage tax on the gains. Okay. So you're f***ing...

1:05:19Dude, you make money. Pay off your f***ing palace. You're stupid. You're dumbass cornhole palace. Barn. Barn. It is not a barn. I saw it. That is not a barn. You don't know what things are. It's not a barn. Everyone knows what a barn is. That's not a barn. You don't know what a barn is. You've never seen a barn in your life. F*** you, barn. You call it a palace? Is that what you call it? That's what Colton calls it, and I agree. Cornhole palace? Okay. This is a new balance total. What the f*** is this? You say you pay off your cards every month. No, you don't. This has$12 ,250. Bank of America.

1:05:51That's the direct deposit advance. Wait, what? So that card was my travel card. and that$12 ,000, I think it was like$13 ,000. I forgot what it was. It was a direct deposit advance. You lose a job and just forget your old 401k like it's a gym membership that you never use. It turns out 25 % of 401ks are lost or forgotten, and that is not pocket change. It is your retirement ghosting you. Enrolling over a 401k? Good luck. You're calling old employers, hunting paperwork, maybe even faxing things like it's 1998. That is why today's sponsor, Capitalize, exists. They're a free concierge platform that helps you find your old 401k, open or connect an IRA of your choice, and handle the entire rollover for you from start to finish.

1:06:38So if you've ever switched jobs and left a 401k behind, roll it over today. Seriously, your future self will thank you. Big thanks to Capitalize for sponsoring. Let's get back to the show. We all have that dream trip we've been wishing we could go on. But too often, life, or usually price, gets in the way. That's why Priceline is here to help you turn your dream trip into reality. With up to 60 % off hotels and up to 50 % off flights, you can book everything you need for your next adventure. Don't just dream about that next trip. Book it with Priceline. Download the Priceline app or visit Priceline.com and book your next trip today.

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1:07:56Type in code Caleb. You advanced your own direct deposits on a credit card? You cash advanced. In the end, you cash advanced. I guess that's what it is. And you face the$520 fee for it, by the way, cash advanced. That's a disgusting amount of money. Hey, you know this takes about 30 years to pay off minimum payment only, and that's basically what you put towards it. It's a few bucks more, but not much more. and maybe it wasn't the best reason. It's not. I guarantee it. There was fraud on my checking account and it took it under the balance. Yeah, but you don't have to take out$13 ,000. I know.

1:08:24That's the problem part. So when I was on the phone with Bank of America, they were opening a new checking account for me, obviously, closing the other one. And then they're like, oh yeah, here, you've been with us for 20 something years. You've got this great offer. This could, I know. Well, you just made them an instant$550 plus whatever interest once this interest-free period ends. I paid off my, like, a balance transfer. Girl, this ends in seven months. Seven months? Yeah. This is going to be accruing at, like, 30%. I paid off a balance transfer with Discover. What are we doing? You just push, push, push.

1:08:54You don't make any progress. Okay, so the reason why I took out, I remember now, the reason why I took out more than what I needed just to, like, float me until I got my refund back on the fraud was I had a, I was going to pay down the balances on one of the other Bank of America cards. Okay, which is also moronic. Like just showing how moronic it would be to pull off from your 401k now because you don't change behavior. But go on. But I realized that you can't pay Bank of America with Bank of America funds. So I couldn't do that. So where'd the money go then? Because the money is gone. You didn't put it towards it.

1:09:25I paid off a balance transfer I had with Discover. And then I actually, they said that. So they said that you can't pay Bank of America with Bank of America funds. I know. No, but so I used to pay like$3 ,000 or$4 ,000 a month on my card, the other card that I'd pay my bills on. So I would pay it down, like I'd pay off the statement every month when I was in a better financial position. Why would you not be? You're making great income and it's only going up. It's the barn, I'm telling you. I did not budget appropriately for this barn. I didn't know it was going to be as expensive. It's impossible.

1:09:59That's not a thing worth budgeting for. It was a costly lesson that I learned when it comes to construction. Costly? It's not done yet. I know that. That's crazy. That is crazy. I modeled the budget for the building off of another person who lives a little bit away from me who helped me build some of it. They paid$20 ,000 for the building. It's basically an exact replica except for the fact that I had to carve down the dirt. Well, that's huge. Moving Earth is huge. Well, right. Exactly. So I didn't account for how much of a difference that would cost. The different things I had to do, like the vinyl siding for my HOA.

1:10:32He doesn't live in an HOA. Why? I just, it was. Why? If you have an HOA, why didn't you run the plans past them before breaking ground? Well, I got approval to build the building. I did get approval, but they didn't ask me for plans. So you only used this to pay off your card? I used that to pay off a balance transfer. And now it just sits here? Okay. Is that all where it went? It didn't go to any bullshit. Like going to Canada and the Netherlands. That was before. That happened. That was a while back. Well, two seasons ago, we know you spent$16 ,000 in travel alone. Mm-hmm. So. Well, the tournament, cornhole in general.

1:11:09Yeah, the opens and stuff like that. That was like tournament costs, travel. I invoiced the, I don't know what it was. Invoice? Why do you keep saying invoice? Who are you invoicing? What are you invoicing? I was making a point to, I wasn't expecting to get. Making a point? Yes. The head of the league that I play in, they had guidelines for the season and said, okay, meet these guidelines. This is what you need to be, to make pro for the next season. At world championships, they move the goalpost which is kind of shitty because we've all been operating under these guidelines. Like if we do XYZ.

1:11:39Oh shit. I just actually realized something. What? I don't give a shit. About that topic. Well that's good. Who cares? You told me to explain. No. But that's why I said invoice because I said this is, you know. Okay. PayPal credit. What are you doing? Not paying off like you say. I pay off all my cards. The PayPal one. I pay off the amount to avoid standard and deferred interest, which I think it's like$2 ,500. TikTok shop, TikTok shop, dragon bags,$159, eBay, Disney Plus, Woof's store, Woof's in Lore Real USA. I could tell from Woof, you dumbass. I didn't know if you knew what it was. From Woof's?

1:12:24I think when people say Woof's, they know it's a dog. I doubt it. What? People actually have thinking capacity, by the way. Believe it or not. Despite what you have experienced in your own secluded life, in your shed of dumbass, 18 years to pay this off. 18 years. Pull up your TikTok shop right now. Right now, 30 % interest rate, which starts probably very soon. Oh, shit. Oh, most of them are experimenting in a month. Two of them are. I was trying to say 2 ,500 is due March night. Go on. Let's see. My orders. The vibration plate from TikTok shop. Oh, yeah. What the fuck? That sat next to me. So that's how you get off when you don't travel to these events.

1:13:06No, I actually bought that like over a year ago and just never opened it. I forgot what was in the box until recently. Okay, you got loaded tea. Endless amount of markers to draw on. I have like a big glass calendar. You'll have a phone and a computer. I know. $43 unfoldable bedding container for bed. A lot of it's house stuff. Uh-huh. Two-piece dryer vent. Okay, that one's actually fine. You didn't have a mop? Doggy bed, that's potentially okay depending on what you already had. Disposal cleaner, that's chill. Doggy brush, also depending on what you had. I have two doodles. Pet food mask. Pet pad peel mask.

1:13:56Pet peel mask? Food peel mask. Food peel mask. You got peel masks? Is it foot? Ugh. It keeps your feet soft. Ugh. What do you mean? See, yeah. Vremont sampler pack for fat and weird cookie company. Oh, everything, you know. Morty. That was a while ago. Stickers for the back of your, not that long ago, stickers for the back of your car. That's necessary to survive. There's lots of shirts, lots of hangers, lots of tea. You get tea every second of your life. No, I just order it in bulk so I don't have to pay for shipping. Chair? It's an expensive little chair. What chair? Oh, and a desk. A chair.

1:14:37A desk chair, you little chair desk. That's part of the$2 ,500. Forgot to screen record. Sorry, chat. Part of the$2 ,500 that's coming up on that card. This is insane. You have thousands of dollars on here, and the payments are all coming up soon. You are just, yeah, good luck. Good luck. At least it's not deferred interest from what I can tell. But no, it is. But I don't. No, most of them are. Good luck. $2 ,500 is due by March 9th. 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. And room service to feel like. Because at Hilton, hospitality feels like.

1:15:21Your cabana's ready. Would you like fresh towels? It matters where you stay. Book now at Hilton.com. Hilton for this day. Oh, yeah, that's coming very soon. You don't put that much. Yeah, and you don't put that much towards anything. So I don't want to. I don't want to. Oh, yeah. You know how I would trust if you do, if you had any semblance of that kind of behavior and discipline in these statements, they're not. So I don't believe you. That is an invalid thing you just said. You don't believe me. It's not invalid. It's accurate. Okay. If it was accurate, it would be shown somewhere in these statements.

1:15:55Bank of America, is this your pay bill card? What's the balance on it? $3 ,784. That is the, yeah, the one that I pay my bills on. Right. You don't pay it all off every single month like you said you do. Right. That's the one of the Bank of America ones that was the higher balance. $3 ,784.98. Minimum monthly payment, 118. I hope you paid off. I really do. Listen, I just have to go off of what I see in here. I know. And what I see in here is you will not pay it off. I mean, there's 17 years to pay this off. And this is, it is Experian credit report. I don't know why you're paying. The amount of money could go towards dollar wise and improve your life substantially more.

1:16:32You get it for free, of course. But Tovala, Tovala? Yeah. $169 for Tovala. What's a Tovala? It's the, it's like, not like a meal kit, but like they send you the pre-portioned meals and they have like the little oven and you scan it and it cooks it for you. You've seen the commercials for it. They're all over TV. I have not. and all over TV. Do you want to see the app? Hey, I'm not a boomer. I'm not just sitting down watching TV. Boomer. What's like on commercials and stuff? I don't watch commercials, boomer. Okay. You guys watch commercials? Where do you see commercials? I'm a boomer. Like the Super Bowl or a college football game.

1:17:06Nobody's heard of Tavala, really? Girl, we don't watch commercials because we like pay for YouTube Premium and YouTube is the best platform on the entire internet by far. But if I paid for YouTube Premium, you'd be yelling at me for paying for stuff while I'm in debt. So I watch commercials. I'm sorry. subscription fund in everyone's budget. Where you choose to put 40 bucks, where you choose to put 40 books. But no, I don't watch slop bullshit on TV that just shoves ad down. I don't know how people make it through that. I really don't. Holiday Inn. Like I actually, I love some slop TV. Give me some 90 Day Fiance, but I watch it ad free after the episode is done.

1:17:38Yeah, but after the episode is done, I watch it ad free on like Hulu or something. So what the... Holiday Inn. Great traveling to get some dick. Holiday Inn. Great traveling to get some dick. That was reimbursed Walgreens getting our morning after pill for$45, 43 cents. Makes sense. I got reimbursed for that holiday in Nashville. Did you get reimbursed for the morning after pill? I didn't take a morning after pill. Oh, hoping it leads to something. I take birth control. Do you still need to? Yes. I'm not 50. Okay, Chewy. I understand that. Well, I get in trouble if I throw this at him. Yes. It's weekly.

1:18:07Because I'll throw it back and that's when I get in trouble. It's weekly. Tovala is weekly. They send you. Nest. Yep. Tovala. You're spending a lot on that. Tovala, Netflix. It's lower now. It's like$120. My choice is supply. What choices are you making for$431? So I vape. And instead of paying$25 at the gas station, I buy in bulk. My f*** you bulk vape. And it's about half the price. You are a broken individual. It's like half the price. You are a disgusting broken individual. Hey, I pay my bills every single month. You've had a late fee this year. That was because of fraud. I paid the day after it was due.

1:18:39I looked. If it was fraud, they would have reversed it though. If it was because of that. I could easily call them. At this point, I don't know. Yeah, I could. At this point? Yes, I had fraud. Then do it. Why is it on this show, I can do that, and then they just never do? Exactly! Then why haven't you? That is every single guest on this show. Because I consider that my punishment for paying it a day late. Punishment? You had fraud. Punishment? What is wrong with you? Because I should have done it and made it. What, do you need to be f***ing kink frauder? No. What are you doing? I should have. Oh,$27.

1:19:12I deserve that. I did deserve it, so I left it on there. I could call them and remove it. I just didn't. Give me a fee again, Daddy. What the fuck? No, it was fraud. You went to fraud. Call it. Why is it always I can, I will, it will happen, it's going to happen, but never I did. Okay. I will call that. Lovely how that always happens on the show history. The corner that I put my bills on that I pay off every single month, I accrued$1 ,063 in interest. Fuck off. So that is why I don't believe you will pay those off, because you don't, dude. You don't. Everything about you is I will or it's going to happen, but it never does, never has.

1:19:48City,$462. What is this? That was for this trip. Okay, well, you know that'll get remorse, so it better go right towards it. So I'll cost that off for now. Okay, it will. He's not here, is he? I feel bad for all of you for later then because I know usually once you get to a hotel, it probably starts like pulsing ready. Just expectation. Smell that Holiday Inn lobby. You start getting... Our next trip is next weekend, so... To Memphis. Buddy, what are you doing with your life? Let me just talk to you for a second. I've seen you. I know what you look like. He coaches soccer. And I know the age you're doing.

1:20:27Huh? He coaches college soccer. He coaches D5 soccer. I think it's D3. I think. Yeah. Okay, so he's a volunteer. Is he sticking it in anything else? As far as I know, he's not. Oh, as far as you know. I can ask him. We're calling him in the post show. That's fine. Ladies and gentlemen, it's official. We are calling this weird 30-year-old YMCA coach in the post show. You'll like him, actually. I think you guys will get along. Okay. He loves fake tits like Brandon does. So why would I get along with him? He'll have something in common. He gets along with everybody. Does that mean you have fake tits?

1:21:00I do. I paid for them in cash. Don't worry. Before the barn. That's not what I'm worried about. What the fuck are you doing with your life? $25 minimum fee payment on this Apple card. $227 owed. Apple bills. Give me your phone. It's all Apple bills. Listen, I'll give you a course career certification on how to not be. Actually, that doesn't exist, but course careers, please make it. Listen, I don't know. I'll gift it to someone you need because you actually have a good career and you got to use the Fizz card, a debit card that builds credit. Use it otherwise budgeting app and go through the master your money program.

1:21:31You get it all for free. So you get all the classes in the community. Okay. Take it all. Take all the resources. I will. Stop being a moron. You're being a moron, moron. Wow, your profile picture is facetuned. It's what? Facetuned. What's facetuned? Is it like edited? Or extremely old, right? No. Right? It's not that old. So facetuned. I don't know what facetuned is. Edited? I mean, I didn't edit them. Who did? Nobody. Apple Bill, iColibus. Okay, you must be doing Apple Pay. You must be purchasing because it's like$54,$48, $28,$90. I think one of them is a subscription. Okay, this card is paid off every single month, so I'm not putting this one.

1:22:14But Bank of America, your dis-purchase was$175. It's still all bullshit. I think that was from... Shut the fuck up. This is money that could go towards PayPal before it starts accruing, before the deferred interest hits. It could go towards the 15 % SoFi loans. So it's still bullshit. Even if it's paid off every month, it's still bullshit because it's Burger King jack-in-the-box. Which, by the way, if you're doing this meal-prepping bullshit service that everyone sees on TV, no one watches TV. That was when we were in Myrtle Beach for a trip. You, pack a sandwich. It was four days. I love this.

1:22:42We go on vacation somewhere. Where do we go? Trying the local cuisine. I'll tell you. Burger King, Jack in the Box, Chick-fil-A, Chick-fil-A, and Dunkin'. That's my favorite local coffee shop. Dunkin' is my pre-tournament spot. You can't afford these tournaments. Let's just be real. Drop the goon for a second. You just can't afford these. The Chick-fil-A stuff, that was at the venue. Okay, I guess not. That was at the venue. And then Carolina Ale House. At least you got something unique for$94. And he paid for the other half of like. You can't afford this shit. This is money that could be going towards your 15 % so-fi dumbass debt or the even better PayPal credit before that deferred interest hits.

1:23:21Okay, this one also gets paid off. So I'm not writing it down, but Capital One Venture. It's still money that could be going to places. That's where pet insurance is. That price makes sense for three dogs, you said? Yeah, that makes sense. About 150 bucks. And I just, I put it on that card just so it's being used. Same with this Bank of America. Okay, not worrying about that. Looks like gas. That's all gas. That's okay. That's fine. See, when you say to me, I pay off all my cards. It's like, fuck you. You pay off these couple cards that you put like 20 bucks on. Like, fuck you. You have these thousands of dollars of cards that are including thousands of interest, including deferred interest that you are not paying off.

1:23:55When you set up this conversation about cards, I pay off my cards. No, you don't. You liar. You coping, coping mother. I don't want to hear it. See, and here's an example. I'll tell you what you didn't pay off. Wells Fargo Outdoor Solutions. Let me guess for our hut, our little corn hut. Nope. For what then? That's for a hot tub. Before the building. So your fake tits could melt? It's almost paid off. 4 ,000 is almost paid off because it started at 16? Yeah. Like, fuck you. It's still 4 ,000 hours, moron. Well, yeah. Like, shut up. It's a nice hot tub, though. Great. You don't want a hot tub? No.

1:24:35So we're relaxing Bro, it's 100 degrees every day here No, thank you That's fair $4 ,005.47 Hotchop is just stepping outside $268.01 a month 16 more months to pay this off Minimum with the payment only But interest is already accruing It's already accruing So it's not like you're making progress I think it's low though Shut the f*** up You could be putting all your Burger King Jack-in-the-box Dugging cornhole bullshit Stupid ass Towards this interest accruing card Instead of f***ing your life This makes no sense You're being a silly goose and I don't like it. And the low interest rate is 4%. Okay.

1:25:11Okay. Is this a car? Is it$6 ,000? $7 ,000. That's the car. $364.61. What is the car? It's a 2020 Jeep Grand Cherokee. Okay. Not great. I had a 19 Jeep Cherokee, not Grand Cherokee, but listen, still not great. It's basically, I mean, it's like the same shit. So you have an equity position, surprisingly. It's worth about double, about$16 ,000. Yeah. But the problem is in Tennessee it's not 4x4. 2019. Tennessee is not 4x4. Why does that matter in Tennessee? Because like the ice, snow, when we get snow. Yeah, but that's rare. I mean, it happens though. And again, I travel. So I know you don't want me to travel, but when I travel.

1:26:04You travel for fun, not for necessity. So you don't need to travel when you're snowed in. I have almost slid off the road. Shut the f*** up. It makes me nervous not having a 4x4. Yeah, for a thing to get the cornhole, though. No, that wasn't. That was going to someone's house. Don't go to someone's house when you're snowed in. Get snow tires. I do need to replace the tires. Dude, I had front-wheel drive in West Michigan, which is a trillion times snowier. I feel like that's dangerous, though. Yeah, but I did it, and I never crashed. My entire family has done that. Well, I haven't crashed either.

1:26:30You almost lit up the road and I'm afraid. It just makes me nervous. So I feel like I need a 4x4. Okay, well. That's because you're a pussy. Listen, fucking sedans, everything. I was front wheel driving and it was stupid. It was stupid or real. I don't know. But just, you know, whatever. When it's just one. It's just like, it's fine. You know, I went to Western Michigan University. It's like the eighth snowiest college in the US or something like that. At least when I went there, that was the statistic. Who knows what it is today? I'm sure that shit always changes. But like, shut the fuck up. and my job was delivering driving Jimmy John's.

1:27:03Shut the f*** up. You're fine. So don't get a new car. Southerners are pussies. You grew up in California so you're an extra pussy. No, don't get a new car moron. You have double equity position. Listen, 6.29 % interest rate. It's not thrilling but I mean okay, you have an equity position. I mean if you wanted to sell it and take out a loan to get a 10 ,000 hour car so you'd be bringing in like an extra 2 ,000 to 3 ,000 hour loan, you could do that but it's not the biggest thing. Okay, mortgage. Good. Love this monthly payment. $1 ,132.81. That is that where no one wants to live, balance, let me tell you.

1:27:40It makes sense. $173 ,401. Yeah. I mean, 3 % interest rate. I love it. It was during COVID. I love it. Yeah. No. It's great. No one wants to live there, so it's perfect. I love it there. Uh-huh. I do. It's better than California. Uh-huh. Heavy near address. $2 ,900 checking account, but it is down from$3 ,200. And it's all pay advance, pay advance, pay advance. PayPal going out. Okay, that wasn't crazy. And yeah,$20 ,000 in savings. That actually is quite good. And$535 in that one. So, okay. Well, that's good. It is this one right here. Yeah, just click on it. Don't say it. I don't want you to dox yourself.

1:28:28Not that we wouldn't bleep it, but either way. It's showing. That's not the picture that normally, oh, it's Zillow, though. I usually look at it like that. It doesn't matter. Okay. So just a call to sack house. Oh, okay. Well, great equity position. We love it. It's worth about$318. You owe$173. Good. Nothing to complain about there. Well, let's see if we can just budget your life and see what you're willing to sacrifice, because that's the big conversation here. Let me get your minimum monthly debt payments, not including your mortgage. Okay, your debt minimum monthly payments not including your mortgage,$1 ,565.46.

1:29:04I'd be off a couple dollars because I can't read one of my numbers, but it'll be very close. Mortgage, and we love this one, has less than your literal minimum monthly debts, which is moronic, I should say something. $1 ,132.81. What is your - That might go down a little bit. Okay, well, when it does, put it in your budget. What is your utilities, internet, gas, electric, all that good stuff combined. Utilities. I wrote down$515. Cool. How much for gas from Drive Drive? Less than$100. So we'll say$100. Okay. Car insurance? I pay it every six months, and it is$597 every six months. Okay. So we'll say$100.

1:29:49Phone bill? $110. $300 for food? You're meal prepping. You're not using the stupid-ass services. Just go to the grocery store. Okay. What the fuck are you doing? Cook a few times a week. Warm that shit up. TP fun,$100. Anything else you need to survive? All that good stuff. Medical healthcare co-pays and whatnot. How much? For medical, like$70. Cool. Is there a gym? No, I have gym stuff at home. Pet insurance, I'm going to say$150, just rounding. Subscriptions, let me put in$50. Okay. Anything else that needs to be in there that I have not put in? That looks, pets, like pet food. Yeah, pet food, how much?

1:30:29So I wrote down$5.50. Just how much? Okay. Just how much? $5.50. Okay.

1:30:38Diet food, I assume, or like weird medical allergies or something for them? That's including their, like the wuffs and like their supplements and stuff like that. Do they need that? Well, the boy, he's the one who takes it. He's 16, so. Ooh, good for him. What kind of dog? He's a Border Collie German Shepherd mix. Ah, good for him. I love that. He's had double ACL surgery in the last like two years, so. Okay, well, listen, you got to, basically I'm going to round for the sake of it, of just safety, about$1 ,000 a month left over. Okay. And yes, you need to pay some of these quicker, like the PayPal credit, but you just prioritize the order.

1:31:14I would prioritize that, and then I would just do smallest, biggest. And you might do that car trading, and then bring that$7 ,000 loan down to a$2 ,000 one. Are you saying smallest balance or smallest interest rate? Balance. Okay. you actually have to change your behavior. Do not take shortcuts this time. You have not learned it. No 401k takeout. We're not doing that. No consolidation, no transfers. $225 ,000 and$12.04 minus your mortgage of$173.41 and$19. Oh my gosh, okay. Okay, you got bad debt,$51 ,610. So obviously that is 51 months, which is chunky. That's four years. That's not that bad.

1:32:00You got nothing else going on in your life. So listen, if you go out, work extra jobs, you use that money to pay for your cornhole. Cornhole does not fit in this budget. If you actually care about getting out of debt, if you don't actually give a shit, then I don't give a shit. And it sounded like you really didn't when it came to prioritizing cornhole. So we'll see. But that's what I would do. It's four years. Your emergency fund is great. In fact, actually, since you have high interest accruing debt right now, it takes you$5 ,000 to buy on a monthly basis. What I would do is take$15 ,000 of it and throw it towards PayPal and SoFi.

1:32:35That's what I was going to ask. Yes, I would do that. And that helps. And then you just have to recoup the emergency fund, which for you, once the debts are paid off, would be about$21 ,000. So yeah, replenishing that, it'll still maybe like three and a half years then. Total. And then you're done. But take that out immediately and pay off stuff immediately. Yeah, stuff. Okay. Anything that you go spend on cornhole, you need to go make more money to pay for it though because it does not fit in this budget. So no cornhole fund in the budget. No, go pick up a second job or work more, whatever you can do, that stuff pays for it.

1:33:11Anything else needs to go towards fixing this situation. Guys, I'm going to get the Amber Financial Score, but joining us for the post show, I'm going to call this penis man and I am oh my god oh she stole her ex's car okay we're gonna talk about that that's gonna be crazy and we'll see if we can play some cornhole as well so make sure you join Hammerleaf the number one and best membership on YouTube click that join button three premium shows posted every single day Monday, Tuesday, Wednesday, Thursday Friday, Saturday let's get the same financial score spending a budget zero out of ten you ever spent collections it's not the worst but it is high and it's some stupid interest and it's some dumb debt two out of ten emergency fund well okay we did the debt score based on what that is.

1:33:51So we'll do the emergency fund based on what that is. Emergency fund wouldn't need to be high right now because you have high minimum of the debt payments right now. It's actually about a six out of 10. Retirement, eight out of 10. In real estate, yeah, pretty damn good. I'd say, I mean, there's a risk of a loan, but other than that, you're pretty damn great. Nine out of 10.

1:34:11Hammer financial score, right down the middle, five out of 10. Join us in the post show. See you there. Oh my God. Hello? What the f*** are you doing with your life? Oh, shit. 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.

1:34:50with two E's, helping organizations innovate with AI securely. We explore the rise of AI agents, their history, their potential, and the risks organizations must navigate as they scale. Search for Human in the Loop wherever you get your podcasts.