The Most Racist Woman On Financial Audit

25:39So you seem like the furthest left person ever. But then you have positions from the right as well. You are hard to place into it. You can't. I'm all over the place. I'm an ex-hippie. I used to have dreads and hairy armpits. I've been to 10 rainbow gatherings. I was the most left-leaning person you'd probably ever meet. People changed. 2016 came, and everyone was like, if you don't hate Trump, you're the devil. And I'm like, I don't care about Trump. He's probably like, who cares? I don't even know. A lot of people care about politics. I don't even know what his policies are. So I'm not just going to blind.

26:21Well, you can look them up. I'm not going to. But all the people who are telling me this are blind hate. Blind hate stupid. And I wouldn't buy into the blind hate. And so it's like, oh, my gosh. And they started slowly separating. Well, there's other. It was just like, hey, we're married and we have a kid. Oh, you can't come to the bar? No, dude, we have a newborn. Like, what do you mean? I can't go to the bar. And like, oh, we have a house show this weekend. Great, we won't be there. Like, we're adults now. And so then, like, Black Lives Matter started happening, and everything was going off the rails.

26:52We know you don't like those. No. No. Okay. Okay. I'm sorry. Go on. The whole thing is bullshit, and who is black also thinks it's bullshit. We went way too woke. I think everyone agrees on that, and we've come back to a normal place. Absolutely. So, but in the middle of when everyone was going woke, and if you weren't woke, you were basically like some f***ed mean, terrible, every hate word person. Well, no one takes those people seriously anymore. I was never buying into it. Okay, but it took 10 years. Five. 2020 to. Oh, okay. It was happening before 2020. Well, yeah, sure. But like the ultra, like, just like kill someone if they don't fully believe with you.

27:35Yeah, but I watched it happening. I'm sure. Right. And so the whole time I've been like, no. And then, of course, COVID, and it's like all the people I was friends with were like punk rockers with like spikes on their jacket and all of that, anti-establishment, blah, blah, blah, blah, blah. And then it's like the government. Who do you watch? What do you mean, who do I watch? Are you an Alex Jones girlie, Nick Fuentes? Oh, Alex Jones. You used to be Dean Withers. Alex Jones is like Uncle Alex Jones. We all love him. We've known him forever. He can only take half of what he says. I mean, you know.

28:05Like you started Hassan, went more Destiny. Oh, Destiny God. Then you got to Charlie. Please don't insult me. No, your trajectory. And now you've gone. Charlie is like. Nick Fuentes. Well, you know. You did the full spectrum. Nick Fuentes. You're stuck with me in the. It's better here. Nick Fuentes guy. But part of his. I don't think Nick Fuentes would be a fan of Fox. Actually, I don't really know. Would he? No, he's not. He hates all of it, basically. Okay. Because I really don't know who they want to. Which is more where I have always stood. But anyways, you have all these people who are like, f*** the man.

28:46And then it's like the man is telling you to do X, Y, Z. And they're like, oh, okay. It's like, I thought you guys were like anti-politics and anti-the man. I don't know what you're talking about. The COVID and the punks just doing whatever the government said. It just seemed very hypocritical. Well, it got very politicized. Well, right, but they took the side of the, like, basically the people who are pro-government, which never made sense. So, anyways, it was this huge falling out. I don't even remember where we are in the conversation. I don't know. I'm trying to loop this back to money, but also you're very, watching you go down rabbit holes is very enjoyable.

29:24Oh, good. So, I think you should just start your own show. Maybe that's my new career. However, I'm not delusional thinking like, I'm going to be a YouTuber and next year I'll have like$70 ,000. It's like, okay. I don't even know what to say your income is. We still don't know. I have a note that you heavily rely on your mother. Isn't that kind of what you've like, if you've gone far to the right, isn't that kind of anti-far to the right? Yes. We don't like it. And I don't like it. We would like to grow to be completely independent. You're in your 40s. Like, what the f*** is taking so long? Well, you know.

30:09Don't. Pot is not a good idea, children. Do not. What do you mean? Are you still blazing it up endlessly? No. Well, I've only been sober for probably two or three years, to be honest. Yeah. So. Listen, more negative studies have come out against it these past few years, but not to the extent you're making it sound like. It's not like that. It's fine if you want to be a responsible person and smoke a joint on the weekend and have a nice time. But if you're 15 and you're smoking every day and then you go into college and think you're going to be successful and you're just going to smoke a pound of weed a week and do whatever.

30:48And by the way, the weed now is nuts. You might as well be tripping acid. It's not like... THC has massively gone up. It's crazy. So the weed now is like, I don't even know. So thinking you're going to be a functioning human being because I have to smoke for my depression like five times a day. Like, it's not going to happen, people. Okay. I would love to be able to put down an income number. What do I say,$3 ,000 a month? No, I would say closer to$1 ,500. Yeah, unless I can find— How can you survive off of that with two children? Credit cards is going to get me to February, and then we're going to get the tax return.

31:27which will get me to May when I can start. And also in February, I can start group lessons again at the indoor pool and that's going to get me a little bit of income too. And I'm willing to find another job. I tried to apply it to Kova. I thought this was going to be great. Kova? To Kova, it's the boot store. Oh, To Kova. To Kova. To Kova, they've been a sponsor. Come back. Oh, I saw that. I saw that one where you sponsored it. I thought, ooh. Yeah, we love To Kova. I love them too. And my friend works there and she's a manager and I thought it was an in. Well, there you go. No, because I'm sorry.

32:04We just went with someone who had experience. I'm like, I will work harder than three Gen Zs that you hire if you give me the job. And they're like, sorry. But can you bend over? Hey, yo. That's funny. I'm a little stiff. But yeah, I do. I've done personal organizing. I've for like businesses and stuff. You organize people by race as you're walking down the street. to see if you're going to cross or not. For your safety, maybe you should. Dude, if I see some shady black dude on the other side of the street, I'm not going to run his way. I'm not. Especially if you're in Chicago. We were talking about that earlier, kind of.

32:45Who? Well, we were just talking about Chicago. Who? I wasn't here. No, you weren't. Who's we? You're getting a cup of coffee that took like 40 minutes to make. I know, it was annoying. Okay, that was crazy. Did you buy that coffee? You're okay. Yes, I did. Because everyone drank the coffee here. I made my coffee at home this morning. So you need to give me brownie points. I've never been so lost in a conversation. Okay, I'll say$1 ,500. And then in the peak of the summer, what's your monthly? I can arrange it. $6 ,000. Okay. 30 minutes to get that. To get the income. Wow. You've been a s***er before.

33:21That was only for a month. And that was when I was like 19. Yeah, I don't know if you can get back into that. Actually, I mean, there's going to be some people. This is going to be a very selective group of clubs and people. Dude, first of all, I didn't make any money because I'm not a scammer. You got to be a scammer to be making money at that. And second of all, I just can't. Have you seen me? I'm awkward. I'm not like a graceful, pretty. You don't seem awkward. You seem very confident in everything. I'm like a giraffe trying to run physically is what I'm talking about. Okay. Now, listen, I was about to ask for your living situation because I want to know how you're paying rent in here, but I just also looked at a direct quote because I guess you just had so many to Colton that he's just feeding them all to me that I live in the ghetto and I hate all the Mexicans that work on my car there.

34:09Oh, good night. Okay, those - You said it, not me. I don't know. Those Mexicans do not work on my car. And there are, it's a Hispanic - You're in San Antonio. Right, it's a Hispanic neighborhood. That's fine. It's in a Hispanic city. Right. That's fine. Fine with it. But there are levels of Mexican. Please take us down those levels. There's tons of like Hispanic families that are just like nice Hispanic families. They've been there forever. It's whatever. It's fine. It's everyone's different culture, right? Just like how white people, like I'm German. So I have like a culture that goes along with that.

34:45I'm sure you are. Now there's like the car shop that's next door to us. that's like definitely half illegals where they sell drugs out of there. They have people living out of there. They have grown men going behind the building and taking a piss in front of my living room window where my kids can see. That is... Okay, pause. I'll be right back. A few moments later. Violin and line up behind me, lads. Okay, let's do it. With me are all my favorite... Nice, Hispanic, American people. Yep, get them all in. You're going to file on in. I've been a minority in San Antonio for my entire life. I'm very sorry to hear that.

35:29No, it's not a problem. I would like you to rank from the worst Mexican to the best Mexican. You can ask a few questions, feel free, and then you can rank from your least favorite to your favorite. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard.

36:04Everything you need and nothing you don't. And when you download DollarWise today, you'll get just a try for free plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back, click below to get started. Just personal? Oh, well. No, you type in Mexican. Feel free to ask some questions. Okay, from all of you, I want to know, are your parents still married? Yes. Raise your hands if yes. Oh, two of them now. What does deceased mean? Oh. I'm sorry. Can they'll? Are they technically married or weren't deceased? Yes, yes. So only one of y 'all is divorced.

36:40Okay, boom, he's loser. Bad Mexican. Down here, down here. Very good. Keep going. Okay, now, of the ones left, do y 'all all speak Spanish? Raise your hand if you speak Spanish fluently. No, I'm one of the good ones. No, that means you're a bad one. You're bad on your culture. You don't speak both. Is he in front of or better than Christian? No, no. You're the worst because they're divorced. This is my weird criteria. Y 'all don't. How can you not speak Spanish? That's bad Mexican. Ask another question. I thought you were going to be a fan of that if we're being honest. Okay. Oh, wait, wait. Who can change a tire?

37:21Can you change a tire? Bad Mexican. You can't? He doesn't have a license. I hitchhiked. What were your grades in high school? I could. What were your grades in high school? Great. Okay. What's your job? I'm an editor. What's your job? I'm his boss. Well, you get to be above him, I guess. And so you'd just be the best. He cheated on his girlfriend. I did not. That was high school. We'll let that slide. But it was for his wife. Oh, you're married? Yeah. Yeah, he's the best one. But he's reproducing. He's the best one. You want them reproducing. Yeah. If you're a nice... Yes, legal. See, he gets it.

38:01Yes, legal. Look at him. Look how nice he looks. Aw, thank you. What do you mean by that? He does. He's clean shaven. Love the Black, San Antonio Black, I represent. And then before they leave, who's the scariest? Just by Wooks? You're making me do that? You don't have to do anything you don't want to do. I was going down your path. No, I'm not doing that. Okay. Thank you. Aw, thank you. Gracias. Gracias. I love that. Gracias.

38:36Adios. Gracias. Okay, so this house that you live in with all the scary Mexicans around you. Yeah, scary Mexicans being... How are you affording this house? Okay. In our neighborhood, we hear gunshots like at least once every two months. How are you affording the rent? Okay. It is my parents' property. That they actually bought for me because they got tired of paying the rent on my apartments. and they got it for super cheap. It was a$60 ,000 house in 2006 and it had a brand new roof, brand new windows leveled. What the f*** are you doing? They bought it back then because they were afraid of paying, they hated paying for your rent.

39:21My stepdad thought it would be a good investment and then he was like, by the way, if she can't do her life, which happens all the time, she could live there. And my mom was like, no, okay, fine. This doesn't make any sense. So the house is paid off, so I live there. Stereotypically, this is not a one size fits all, but stereotypically, personal responsibility, tends to lean more right than it does left. Obviously, there's people on the left that believe in it. There's people on the right that don't. Whatever. Okay, but even still, stereotypically, that is where it typically lands. If you're all the way over here on my right, this makes no sense.

39:50Your parents buy a house because I'm sick of being... This was way a long time ago. This was in 2006 or 7, and now we're in 2025. So I've got to... I'm trying to catch up. I'm trying to catch myself up to where I want to be. But you're getting a handout. I know. A handout! Well, he's in jail and I can't pay rent. But even before he was in jail, we were kind of not paying rent because he was like, I don't know, he had mental health stuff. So what are you supposed to pay to your parents? It's supposed to be$800 a month. I don't know how you do that. I'm 15. I don't. We'll keep in food and utilities.

40:23Okay. And they're okay with it? Yeah, because the house is paid off. There's no mortgage. But still, they're okay with it. Yes, but it's like, I'm not okay with it. I'm not okay with it. Okay. Now you say you're applying to a lot of jobs, but I highly... Not really, to be real with you. I applied to... I, okay, well, I'm obviously like a person who's willing to work and I'm like enough put together and I've had enough jobs where it's like, bro, I need something that's like decent. Like I need to make probably at least 15 an hour, which I think is reasonable. And I don't know. I need, I have skills.

41:03I have skills. Why'd you try to be a stripper? Why'd you choose that one? That's not a skill building thing. That was such a long time ago. But why'd you choose it? Well, because my friends, boyfriends, sis... I'm told it's because of a kink you have. No, no. Colton says it's because... Someone I was staying with was friends with a stripper. And she's like, you could come to work with me. It'd be so easy. And I was like, I don't know. I have like hairy armpits. And she's like, no, guys, go for that. And so I was like the little dready girl with like armpit hair. It didn't work out, obviously. Good.

41:41It didn't work out. Colton wanted me to ask about your kink because this is, after all, a finance show. No, that was a misunderstanding. And I do not have a kink. Don't. I was so truthful on the phone. Don't even. I think what I'm saying is that it's. He was saying that men there would have the kink. Men have the kink. And that's what I was told. And so then I tried to go to a different— But the strip club owner said that you were too nasty. Basically, yeah. Do you have a picture of you back then that we can put on screen? Can I see it? I don't have it, but like— Really? Like anywhere? You don't have a picture or save it on your phone?

42:18No, no, no, I do, but like, can I like email it to you? I'll email it to you in a day. Yeah, of course. I'll send it. You'll be like, what the f— Yeah, let's see it. We'll put it on screen. Cute little dready girl, flowers and beads in my hair, and yeah. Anyway. Sure. Skinnier. What does this make sense? You also moved to Mexico when you were younger? Yes. This is such a... I keep wanting to get into the finances, but this is insane. And you hate them? And it's just like, but you live there? I'm so confused. I only hate the dirty ones.

42:50And what percentage is that? Well, I mean, I don't know, honestly. Okay. It's not the majority. It's definitely the minority. No, we went to Mexico. Obviously, I don't hate Mexicans. By the way, I love Mexican food. By the way, I am friends with Mexicans. By the way, my ex was a Mexican. You just pulled the I have a Mexican friend. Well, I hate black people, but my husband's black.

43:19I'm just kidding. I really don't. Please. Oh, my gosh. I'm not racist. I go to Taco Tuesday. Oh, my gosh. I don't hate Mexicans. If one of my clients sees this. I like queso. Oh, my gosh. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list, even those who are hard to shop for. Toys and jewelry to new beauty brands and styles, these gifts go seamlessly from our stores to under your tree.

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44:00I don't hate... Your clients have downs. I don't... I don't hate black people. I do not. Not all of us have to say that in our daily lives. What's your finance score, zero to 10? Two. Okay, if you want your Hammer financial score, go to CalebHammer.com, see where you stand in the world of finances, where you need to improve, and where you're already doing well and what you need to do to fix it. And what's your racist score, zero to 10? zero being not race at all, 10 being hyper racist. 10 is like you want the racist to be segregated again and living in separate towns. Executed, yeah. Oh, so nine or eight would be below that.

44:42Oh, I'm only like three maybe. If you want your racist score, go to calebhammer.com forward slash racist. See where you stand in the world of racism. If you're not racist enough or you're a little too racist, find out. I took the lesbian test. I'm like 36 % lesbian from your website. I know. Yeah. Yeah. Moving to Mexico. Yeah. Our friends went down there. So we lived in Chiapas, which is like the southernmost point in Mexico, like right before Guatemala. Okay. I can't hate them that much. I live there. Let me get into these numbers for f***s sake. You got two children. Yes. And they are very well behaved.

45:22Okay. Well, I know some of the people on this show are like, I can't tell my kids and I buy that. And no, I'm like, baby, we don't have money for that right now because mommy. I'm into money. Okay. Well, I'm glad. Well, okay. Do you say it like that? No, nicer and more child appropriate. What do you consider child appropriate? Now, remember, I work with kids, so I know child appropriate. Are you a gentle parenting person or? God, no. Okay. God, no. like basically now here's something good black people they will they will get on their kids the crazy black people like you will see like where like at walmart you will see kids going up and down the aisles and the parents like whatever whatever and fox is like mortified and i am too because like control your freaking kids dude well i'm sorry you go to the white side of town you do not see that you see them screaming in the car it's begging for toys but you don't see them running up and down the aisles well i have you'll be very happy to know food stamps are currently on hold due to the government shutdown so if you go to walmart i think you'll be happy and who do you see on tiktok and all of that who are like they're taking my food stamps and guess what?

46:43I'm going to go in there and I'm going to steal from the store, blah, blah, blah. I don't know. You tell me. Who do you see? I don't know. I'm not looking. I don't know. I don't know. There's a larger percentage of people who are acting that way and a smaller percentage of people who are still acting that way. You can be a hard R dependent upon your race. Not dependent upon your race. Yeah, there's like white people who are like acting like hard R. that's a very Nick Fuentes concept by the way it's true dude I've never heard anyone say this seriously I'm from the depths of the internet at 41? yeah yeah I mean I hope I still am I guess but I guess I don't go that that deep I mean I filmed with someone yesterday who is racist to or she hated quote Arabians how do you feel about the Arabians was her words Well, in those countries, they have higher percentages of rape.

47:45And all of the countries that have allowed in those immigrations, all of a sudden, they're like rapes and stabbing statistics are like skyrocketing. That's just, that's facts. That's not my opinion. That's just numbers. So anyone who says that like the, we should love Islam in the middle. Have you been to the Middle East? Women don't drive. I mean, I haven't either, but it's like women don't drive. Women aren't allowed to read there. That's okay. I don't know if I, I don't. That's okay. No. No, obviously they have not caught up to the 21st century. People who were like, love Islam and welcome them in and everything.

48:25It's like, once again, if you're going to go through the legal system It's part of the law. Anyone is allowed to be here. But in these countries where they've just opened the floodgates for anyone to come, it hasn't gone good for them. So I'm not racist towards anyone. Now, if you're acting like a hard R, I don't care what race you are, you're acting like a hard R. This has to make sense, dude. Don't act like it doesn't. Hi, Alyssa and here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below.

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50:25That is very true. But this country does at least pretty well on assimilation. I agree they do. I agree they do. No, the UK... Well, some people still want to move there. Not me. Well, it's because it's still better than a lot of regions. Oh, I'm very... I'm very... It's hard to hear. I'm very comfy in Texas with my Mexicans. I'll take it any day. It's not the hard R's. Gotcha, bitch. Well. Okay, USAA. What's going on with this USAA card? Okay, that one was actually started as a credit transfer, a balance transfer from Chase. Maybe last year. Because I'd racked up the chase. Okay, this all began because of Fox and like job stuff and mental health stuff.

51:23And so he's... Uh-huh. That's another thing we need help on. Dude, you just got on food stamps a couple years ago and you're talking to people who are on food stamps? Because people are like, I'm on food stamps. I'm like, dude, don't let anyone know what a f***ing embarrassment. What an embarrassment that I am on it. Okay, I can kind of, I wouldn't necessarily take it as an embarrassment of being on social. Okay, I would. Well, hold on. Being on a social safety is there to help. Now, I would be embarrassed as a person if I was actively trying to not go get more hours because I would be above an income threshold that would qualify for a benefit.

52:00I think if people are actively trying to stay in a benefit, I would be embarrassed. But if you go through a hard time and you get put on a system that you paid into, that inherently is not an embarrassing thing. I guess, but it's like how long is the hard time? And I'm not going to lie. Depends on the person in economic condition. Well, right. And so it's like. But don't get me wrong. I vibe with you on the fact that I've had people on this show that literally will not go get a job because then they get off benefits like food stamps. That's disgusting. That's horrible. And obviously we're enabling that.

52:27But to say if you fell on a hard time and you paid into a system and got supported from it, you shouldn't be embarrassed. What's happening is like some people fall on a hard time and it's like, oh, well, you make too much. And then they like that's happened to someone I know. And so they can't get assistance and they really should have it. And then there's other people where it's like, oh, they're kind of on the fence. But because they fudge their numbers a little bit, they get it. Were they too gentle parented? Probably. Honestly, I'll be honest, as someone who's not a parent and, you know, it won't be for a little bit.

52:55I specifically don't even know what that literally entails on a literal level. But I hear that you hate gentle parenting. I do. I do. I keep bringing it up. It means that you create a little narcissist. It's like, oh, you're upset. Tell me about that. Okay. Every, yes. Okay. I'm sorry. I have to go. I have to go because the four-year-old is pulling me away. That's what that means. Ah, you just. All right. Excuse me. You're not the adult. And I'm speaking to an adult right now. You need to wait patiently. Okay. Okay. I can vibe with that. What's the normal minimum payment on this? Normal payment is like one...

53:37I don't even know because I... Purchase 216 on it. Let's call it... 150. I don't know because... Yeah, let's call it 150. Because I've been paying off so much. So this summer I... Kind of, kind of. But you're still purchasing... No, you're still purchasing on this though. So it's not going... Pest control. Huh? Pest control. Oh, let's see. Yeah, look. It'll be on here. Yeah, I mean, that's a lot of pest control. Well, they come every three weeks for the mosquito. And we have roaches. Okay, well, I was just three times in one week then. A couple weeks. Was it charged all those times? Yeah, 53, 108, 54.

54:10That's a problem. Yeah. I'll be calling them as soon as I am done filming because I'm not okay with that. Also, I think you've had a late fee this year, I believe. Yeah, probably. When? Why? Don't know, don't know. Okay. I don't know. How do we prevent that in the future? Well, I have it in my phone, the bills and all of the dates that they're due. And I make sure. But because, and I was keeping up with that. But then because in the summer I was paying everything. Anytime I had any extra money, like I'd put a thousand, I'd put a thousand, I'd put a thousand. So there was no minimum monthly payment.

54:43Well, what are we doing going into this where you have just nothing? Well, now it's just now starting. Because like even last week I paid like 500 off on one of the cards with like all the money that I'm still getting. Automatic hundreds and hundreds of dollars of bills are going on, and that offsets it anyway. I'm just saying there might have been a late fee this month because I'm used to there not being a minimum monthly payment for the past, like, four or five months. Yeah, well, it's not deferred interest, but your promotional balance for the transfer, that ends in about three months. I know, which is why I'm trying to quickly pay off the Chase card because that's where you have the higher interest.

55:21So USAA is kind of like on hold because it's the lowest interest rate and one of the lower payments. I don't even think it's$150. I think it's like under$80. No, yeah, the interest is relatively low because— For now. Well, yeah, exactly, because the balance subject to the interest rate is low. But you have had a late fee this year, which was immediately doubling kind of what was added to this. But when was late? You can't see that on this kind of statement. But it was this year so far. I do know that. I believe it. I believe it. It's a little concerning. If you're going and shopping for groceries, Walmart is one of the cheaper places to go.

55:51And if that's the place you hate going to and you're afraid to go, isn't that bad? It's kind of gross there. I only go if I have to really badly. I go to H-E-B. You kind of have to. Dude, no. Why not H-E-B? Are you kidding me? Hill Country Fair? Come on, dude. H-E-B is nice, but isn't Walmart brand still the cheapest brand? Not necessarily. I don't think so. No? I think it's comparable to Hill Country Fair. Okay. Yeah, H-E-B is pretty good. If we can do H-E-B, we can do H-E-B. You cannot talk me out of H-E-B. No, I wouldn't. We do our 300-a-person in that, you know, scales grocery budget meal plan.

56:25Based on H-E-B. Okay. Okay. Well, then there you have it. No, don't try to talk me into Walmart gross. Well, I don't. Okay. What's wrong with what? Dude, you know some of them are a little gross. Gross? I mean, I'll be honest. I go to H-E-B because one, it's closer, and two, it's just like I prefer H-E-B. There are some H-E-Bs. So I don't go to Walmart. Okay, so I live on the side of town where if you walk into like a Fiesta Mart, because I have shopped there before because they have great meat prices, you're going to get looks. Like, why the f*** are you in here, white girl? That's just how it's been.

57:01Lizzie, do you ever get those looks at Fiesta Mart? I have. Oh, she has. I went in to buy like fajita mix one time like the meat and I brought it to my friend's house and they were like oh you got great dad and I was like what do you mean I told them we have like 7 people here and they're like that's not for like 20 people like they thought you were done I was done okay same with there's a meat market down the street from my house Calabra meat market number I don't know and I love to go there because I want they have great product and I want to support them but they're like f*** to me so it's not just me Yeah, but did you call them a slur?

57:39No. Absolutely not. And I walk in kind of humbly. But if you bring Fox with you. I don't bring Fox with me. Why? You can't tame him. What does he do in Fiesta March? Nothing. He's just, he's not. He says he should just be kept inside. He's not meant for society. That's his words, not mine. What does that mean? I don't know. If you have someone who's like an avid Nick Fuentes watcher, they probably have a... Oh, he is. Yeah. They probably should be like kept inside. They're like highly autistic, sooner beyond like... He's... He's a lot. We have wide... I love him. We have wide variety of... I let anyone work here with any political beliefs.

58:29I have Aaron on the left, and I think Brandon's a Fuentes watcher. I haven't felt unsafe around him. Okay, well, there you have it. To be real, I get pissed off at some of the things Nick says. I think he goes too far with it. I've never seen it. It seems like it's just for clickbait, but you have 20-year-olds that are basically sucking him off every single word he says. Nick, if you want a debater and you watch Financial Audit, feel free. He's a very smart person, honestly. I mean, dude, to have that much of a political following when he was like 18 or 17, that's freaking nuts. Anyway. Honestly, I can't even speak on him.

59:10I've literally never watched him. You should just so you kind of know the hype. It's part of your internet. Well, he had a Tucker Carlson interview that's going viral. I feel like I want to watch that at least for the sake of comedy. That's what I'm saying. Right? Because it is like lots of rage bait, right? 100%. Yes. $2 ,973 on this Amazon card. Yeah, but that was at$8 ,000 in May. Okay, but now you're not going to bring in any money. Well, now it's just going to be— So what is it going to be? It's going to be— Okay, so credit card debt is here. It's summertime, so we're going to start paying it down, balances and timescale, pays it down.

59:46Uh-oh, it's wintertime now. It starts going up again. We're going to be in this repeated cycle of never actually being able to pay them off. No, no. Yeah, but we rack them up when cold. We pay them down low. Because it wasn't always working. Okay, well, now he won't be able to. Now Fox won't be able to. I mean, he'll get a job, but it's going to be like not great. His career opportunities for a while at least will not be. He's going to be dropping the fries. No, I don't think so. He'll stick with a tighter time market right now. I know, but he can always get job and electrical. But that's the thing.

1:00:15It's like f***ing up his mental health because he absolutely hates it. He's shouldered through it for five years. And like that's part of why he's having these like mental breakdowns. And I don't want you to think like, oh, poor you. You don't want to work. It's like, no, like he wants to work. He does work. He's a hard worker. You can only go so far in a job if it's like, it's one thing to be like, eh, it's not my favorite. It's another thing to be like, this is crushing me and killing me, and I hate this more than anything makes me want to KYS, like every day. Okay. And that's where he's at with it.

1:00:46But he'll still go back to it. Wes, can you turn on Brandon's mic real quick? Brandon, as a Fuentes watcher, is Nick going to be happy or upset that a black man is watching him? He's only half black. I don't think you'll care. Oh, okay. No, I don't think I'll care. No. He's not a racist. But Fox is. Okay, thank you. Very good. He's made friends with this white nationalist guy in prison. Oh. But they can't accept him because, you know, he's black. Oh, no. This can't be. I'm 102 % African with a 2 % margin of error. That guy knows. Whoever watches Nick knows what I'm saying. Brandon Brandon we'll talk Brandon we'll talk in the post show okay we have a lot to talk about in the post show because oh my goodness I okay the Amazon card 2000 okay yeah we're winning over the balance minimum payment $109 13 years to pay this one off if you don't purchase this is the chase you only make minimums but you're purchasing and$80 of interest is accruing you've had multiple late fees this year so far almost a thousand hours in interest pull up your Amazon for me and start a screen recording if you could Oh, boy.

1:02:01I think I can justify most of these purchases. Let's find out. Are we going to see a white hooded outfit in there? We don't know. Bro. I don't know. Just so we're clear, his dad was black and we had a great relationship. His dad is what, he's passed away. Did he know you had a great relationship? Yes. He loved me more than Fox. Maybe not. Issue. Your Wi-Fi. Did you get on Wi-Fi? I'm on the Wi-Fi. It's on. This is not me. I know that there's two different like$45 charges. Those were comforters. Why don't you connect to 5G? I bet you like that. I'm on 5G. Are you scared? A little bit. If you want to go into all of that, yeah, sure.

1:02:54I don't know. I just assumed immediately. I'm never looking at that kind of stuff. I don't even know what people believe. Well, it's supposedly very bad for your health, and it's like a mind control. Well, it's good for my health is looking at your Amazon. Well, the Wi-Fi is on, and I cannot get service in your thing. I'm turning the Wi-Fi off. There's nothing. Look. I'm not lying. Close and reopen. Okay. So two of them were purchases for comforters for my kids, down comforters, because I knew the winter was coming, and I don't want to pay to have the heat on all night because we just use like window units and like space heaters.

1:03:31And I knew that would be like super expensive to do that. And it would be cheaper to just buy like nice comforters for them. So that's one of the purchases. Any of your kids have Downs? No, they are both, they are not neurodivergent. They are neurotypical. Well, look at you being PC. I work with special needs children and I really enjoy it. I enjoy that aspect of it. Like if it was just special needs and it was, and I'll still continue to do it. Like I will. It's just I can't do it. You're not on Wi-Fi. Because I turned it off because it wasn't working. Turn it back on. So we can say all the words, but we throw in a little.

1:04:10All of a sudden, it's too far. Well, I'm not going to say that to them, but there are some people who are kind of. I have people who are smarter than the normal people. Wi-Fi is on and it's in there. I don't know. Yeah, exactly. And all of a sudden, now the moment I use it, it's good and going. Good. Then you have the magic touch. Yeah, because I followed the instructions. Monster natural deodorant. Still on that hippie. That is for my child, and it contains no aluminum or chemicals. She is starting to get stinky. It's deodorant. It's deodorant. It doesn't have phthalates or estrogen disruptors or whatever.

1:04:52Right, and she's stinky because of it. She stinks. No, now she's not because she has it. Oh, okay, good. We had to get that. Talic-free setting powder. That was for Halloween makeup. Okay, lots more makeup stuff. Lots more three things. Uh-oh, black face paint. Oh, my goodness. We're doing black face on Halloween tomorrow. They're skeletons. They are both skeletons. Hmm. Costumes, costumes, costumes. Speakers, but those were refunded. Lego said that was back. training bras. I never got that. That was for her. She wanted it. Yeah, yeah, yeah, yeah. Yep, lots of different cables, comforters, weekly planner, brackets, floating brackets, bra extenders.

1:05:37I did get a bra extender because I'm getting fat. Oh, well, don't do that. Need a little extra. Swim more. Lots of blankets, as you said. Lots of sports, athleisure. That was T-ball. Dishwasher stuff. Yeah. Bifocal reading, sunglasses. That was for my mother and she paid me for those. How old's your mom? 73. And your dad? 78. What happens when they pass away? You'll just live here rent free? Pay the property taxes and utilities? I'm the only I am the only benefactor. So whatever they have will come to me and I'm actually quite nervous because I don't want to f*** off everything that they've worked their entire lives for.

1:06:18Well, at this rate you will be. Multivitamins, a watch, reptile, bulls***. We have Heat lamp and yeah, if we can't afford to pay loan bills for the kids, I don't think we'd have a snake. Ooh, four things are in the cart. Let's see. The Mythic of Normal by someone. These are books that are on. Trauma, illness, healing, toxic culture. These are books on like to send to in jail, but I get them from a cheaper website. But I just put them on Amazon. No, Alboros. I think Alipress. Big Boys and Girls Union suit, thermal underwear. That was for the costume. That was from the costume, but we ended up not getting that.

1:06:55And yeah, more powder stuff and blackface things. No, there is not. You are so exaggerating. That's completely. Husband's card, six to seven? What is six to seven? He has six to seven cards or? What? Oh, okay. A thousand dollars. And you have no access to it. Oh, for his, yeah. But what's happening while he's in prison then? It's just there and I'm not paying it. Okay, so it's f***ing his credit. Well, I'm planning on when the tax return comes, I can pay off that flat. It's$1 ,000. It would be under a year old, and that would be gone. How can you pay it off if you don't even know how to get in it?

1:07:33I think I can from not the regular desktop or from the laptop, but he has to re-give me the password information, and I think it's doable. I think it's doable. And it's just$1 ,000. I mean, just, but... Now, Synchrony Bank, care credit. What's going on with this? That is only for dentist and vet. And I've had it. I assume you don't have insurance for both of that. You just have a snake, right? I do have insurance, but. For the snake? What? No pet insurance. Oh. Just insurance for humans. Wait. Pet insurance is good. I don't know if I'd get it for a snake. Why not? Is that all you have? Well, I don't know if it even offers it.

1:08:13Oh, boy. Okay, here we go. We have two chickens. My mom mainly takes care of that and pays for that. We have a snake. A fish, a dog, and three cats. Oh, for f***s sake. And you have no pet insurance for any of them? No. Well, I don't know how you could afford it anyway, but I don't know how you could afford an emergency if it popped up. We can't. We would be using a credit card, which is what I want to... We have... This is not okay. It's not okay. It hasn't been okay for the past, like, five years. I agree. Yet you've done nothing in the last five years. No, I disagree with that. I'm paying off these cards.

1:08:45Well, I mean, we got someone arrested and... I'm paying off these cards. I swear you're in a moon cycle though. It's like, yes, you do get higher income in the summer. So you pay them down. Not all the way because these are obviously not paid off. As we're entering this cold season and the cold season happens, you cannot live off of 1500 with two kids and someone in prison that you're also trying to support. But it wasn't always. And then also all these dogs. I know, not always. And then it goes back up. And then by the time we have the high income, I think you're in a moon cycle. So you're about to make a trade based on a friend's text.

1:09:19But 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. We used to happily wait for swim lesson season, as we called it, to buy our Amazon lists. This year, we did not do that. This year, I paid off the debt. I paid off all of as much as I could. I was paying like at least half of my income toward the debt to get it gone. I hope that works, but now your income's dried. So I think it's going to balloon back up.

1:10:07We'll see. No, it can't. I need... It can't? What do you mean it can't? Is the course careers for real? Because I... Yes, of course. Why would I not give that to you? I don't know, because I feel like it's just going to... I'm going to put all this time and effort and do it, and then it's not actually going to produce a result. Oh, you mean the result of it? Yes. So it adds to your resume and skill set heavily. You have to remember, in general, right now, it is a tight labor market. Right. So that is regardless of what your education is. However, having an extra tool like a certification through course careers can put you above.

1:10:40Yes, and you'll be an architectural drafter. And it's like, yeah, but will I? It still depends on you, your resume, your experience. I don't have experience in that. Exactly, and that's where a certification can help. But it also depends on your interview skills and how you form your resume. Okay, well, it depends on a lot of that, right? Well, that's why I'm nervous. It's like, okay, obviously I'm going to do it. Obviously, I want to do it. I was going to pay for it out of pocket to do it. You ever leave a job and think, I'll roll over that 401k later? Because, yeah, later never comes. And that is why over$2.1 trillion, and that is trillion with a T, now sits in forgotten 401k accounts.

1:11:19Nearly 25 % of all 401k dollars are just chilling, doing nothing. And it's not slowing down. The number of lost 401ks has doubled in the last 10 years. We're at 32 million abandoned accounts. Even the government's not immune. Almost 3 million forgotten TSPs from federal employees. And here's the problem. Rolling over a 401k is confusing and annoying. You've got to track down your old employer, deal with HR, and probably fax something because apparently it is still 1998. And that is why I love Capitalize. They'll literally find your old 401k for you, help you open or connect an IRA, and handle the entire rollover process from start to finish.

1:11:56You just click a few buttons and they take care of the chaos. And with new private equity options entering 401ks, you're going to want to get control of your money before it gets buried even deeper. So stop donating your retirement to the void. Head to highcapitalized.com slash financial audit or click the link below and take back your money today. It's okay. I'm willing to work. I just, I need a break from being chlorinated. I'm swimming in bleach for life. That's fine. Listen, you get that for free instead of spending hundreds of dollars. And, you know, with your, okay, when you get a job, set up a Chime account, set up direct deposit, and then you immediately get hundreds of dollars for free.

1:12:32Oh, okay. Yeah, so there you go. So instead of paying for the certification, do that with Chime, okay? I have gigs set up that will provide at least through November, December, January. Okay. Like, I'm confident that I will have things there. Like, I have another cleaning position at the pool. I mean— Cleaning at the pool? Okay. Yes. You're doing what you do. I will do what I have to do. And just saying, I can do swim lessons. Like, I have probably three special needs clients that would take twice a week. I have probably two or three littles that would take a few times a week. And I have two adults.

1:13:11And I have one person who wants adaptive swimming. He has a spinal cord injury. And so I have that. So I have people that I can do the lessons. And like, you know I will. But I'm like, dude, I'm so out on this. Yeah, I mean, I'm being told you've been asking clients at Slim Lessons if you could clean their house. Yeah. I appreciate the hustle. because you have to. The care credit's at$922.65. That gets paid off every year on a regular basis. That is the one that I am solid with. Okay, I hope so. With a$41 minimum payment. Right. But you're solid with it, and that's why there was a late fee this month.

1:13:50For care credit? Because I'm solid with it. Yes, a late fee this month. And not only that, but approximately a late fee, I'm going to say six months this year. I don't know. Five to six months this year. Don't know. Okay, but this is the one that you're so confident in. Because every year I pay it down to zero. With swim lesson money, the first thing that gets paid off. Every year. Listen, here's the thing. Every year can quickly turn into we can't this year. That's what I'm saying. Just because it's happened doesn't mean it's going to happen. I know, but I'm like, it's like, okay, I'm fully confident that by next summer we could be completely out of debt and like clear possibly have a little bit of an emergency fund started.

1:14:33But from there, where is it going to go? Because it's like, oh, you need to get retirement. It seems completely overwhelming to me, especially like even attempting to buy a house. It's like at this point in time. Why would you, was that even a question? Well, because in the next five years, you know, my daughter will be 13. And you have a house. She can't be shared two bedrooms. She can't share a room with her brother. And so it's like, do I build onto the house that I have? But you can still rent there. Definitely don't build onto the house. I don't know. But then if I'm renting, it's going to be at least$2 ,000 to get a three-bedroom apartment or duplex or whatever.

1:15:07At that point, wouldn't I just rather have a mortgage payment? Depends. Depends where everything's looking. At this point, renting makes more sense usually. At this point, I feel like I'm going to be 60 and that's what I feel like. Yes, you are on schedule for that. So that's what we need to fix. The deferred interest will hit and some in a couple months and a couple months more for the other ones. So that's pretty bad. If I can get to February without putting anything on credit cards, then the tax return will hit. We've already seen you do that on these statements. Okay, we have a Gap card. Including$634 of purchases on this Gap card.

1:15:41That's correct. That is for clothing for the winter. I know what it is. I know what Gap is. But that is still going against what you said you need to not do. They needed to have clothes for the winter. Well, you still did the thing you said you need to not do. Regardless, like you can justify anything. But in order to execute the plan you want to do, you have to not start. It's a$30 minimum payment. They have to have clothes. They grow out of them. I'm not saying they don't, but you specifically said, as long as I don't put cards on payment. Yes, you're correct. And then you immediately do. So on multiple cards, we've looked at so far.

1:16:15It takes two years to pay off, by the way. No, that'll be paid off by next. Okay, it will, it will, it will. And then it doesn't. And then we are where we are today. Come on. Look what you have done until this time. Care credit and gap are always paid off. And then they're always brought back up. So that means nothing. But what's the problem with that? Well, you're losing interest and fees on care credits. But then what is the good credit you're always talking about? Good credit is paying off every single month. I do pay the minimum payment every month. Late fee this month. I've had it for like 10 years.

1:16:47Doesn't matter. You're not a credit card person. You've had two late fees this year so far on this one. Two on another card. Six on the last one. I paid off. Hundreds of dollars of interest. It's been paid to zero this year. Oh, buddy. It's been paid to zero. That doesn't matter if it goes back up then and then has late fees and interest accruing. It doesn't matter. Then what's the point of it? What are you talking about? To pay it off every month. And if you can't, don't have it. It is not a tool to your advantage. But no one can pay off like$600 a month. I do. They do. He does. He does. He does.

1:17:17Then let me work for y 'all. You need some organizing done out there, by the way. No. Yes. I could have this place looking like 10 times better. We've given up on this place because we want to move somewhere. And I'll be your mover. Okay, yeah, well. I'm serious. I'm great at moving. I move like 13 times in a few years. Okay. Okay. Maybe. I don't know. Well, either way. I'm just saying, the problem is not. Yes, it's multiple gap purchases. I need solid work because. This is also the spending problem. When Fox and I got married, it was supposed to be that. he was going to be the breadwinner and I was going to be the stay-at-home mom.

1:17:57And we did that for a while until it's like... You wanted to be full trad. We did want to be full trad. Okay. And then I would just... Thought he couldn't even go outside. And then I would... Well, he forced himself to. He's quite socialized. It's just like this weird little mask he puts on, I think. I don't know. He's really fun... Is that the 50 % black? Is that what you're saying? I don't... No, he's just fun to... You would think he's a really social, great person, but he like actually has social anxiety and just stuff. But anyways, so yeah, we were supposed to be full trad. And then it was like, I started working part-time and I always kept the summer job because it was just so much income.

1:18:34And then slowly but surely now it's like, okay, now it's like we have to have that money. And so I'd rather like kind of slowly back down those hours and get something that can be year round for me that is just sustainable. I mean, I could appreciate that, but there's also just lots of issues in here that are not an income thing because here's the thing. The lows, I'm not going to put it down as a debt because it only has 16 bucks on it. Really, you should be able to pay it off. There you go. But this is indicative of the problem because you had almost$700 out on it. That was from him on his choice.

1:19:04And you paid it off. Yes. But yet, fee and interest still accrued, meaning you did not manage it correctly. You're not a credit card person. It was a late fee. You've had about four late fees this year so far on this card and hundreds in interest. You do not pay this off. It is at a 37 % interest. and he wasn't. It's not on your credit. You're an authorized user? Don't know. I don't know. I don't know. I don't know, actually. I don't. Okay. We're transparent. I mean, I... We're transparent. Me and him together, yes. It's not like he bought anything in secret. Like, I knew he was using that. And I was like, why are we doing this?

1:19:39He's like, I need it for my work because he lost all his tools, blah, blah, blah, drama. And he's like, I'll pay it off. And then he, like, couldn't. Okay. It's just indicative of everything that is going on. What the f*** even is that? What did you send me? What is this? No one's ever sent me some bulls*** like this. That's a Venmo. This is Venmo exported as an Excel sheet? That's what they sent me. I'm not some noob. Medical? Well, there's lots of denies. Okay, so what am I looking at here specifically? That's just all medical stuff that was partly paid off, but we're like... For Fox or you?

1:20:13Yes, Fox. Okay, hey, you owe him$14 ,000. Yeah. Medical. Well, that will go on collections now. I mean, I can't. What am I going to do about that? I can't even get groceries. You can get it on a minimum payment, and they can make it income-based, and yours is very low. So it would be super small, but at least so they don't send it to collections of credit. Especially if you're talking about having to get another department, get another house. You don't want credit. And we already know Fox is going to have credit because the Fox card is going to be gone. It'll be paid off. It'll be fine. How? You don't have access to it.

1:20:47I'll figure it out. So what the f*** cost so much money? He got severely sick and he couldn't work for like three months. And he, they ran all this tests in the emergency room. And it was like, it was really f***ed up. So, because we didn't have insurance at the time. Now we do have insurance. So, yeah. And then that was also from recently when he was in the jail and then got staff, which turned into MRSA. And then he had to have the emergency surgery. It was from that too. Okay. On here, Ally, I see a payment due, but I don't see a balance. I'm assuming this is a car. Oh, here it is. This is a car.

1:21:30Oh, a Kia, 2016 Kia. Yeah, it's like what? Okay, is this your primary driver? Yes. Yep,$5 ,824.25. What is the interest on this? A lot. What? What is it? I don't know. Is it? Minotaur's payment's pretty small at$177.02. I assume the interest is like at 25%. When did you get this and why? Oh, this is a story. Okay, so Fox had a truck that my parents actually bought him. Oh, good. And then I had a car that my parents actually bought me. And then he crashed his truck. And then I got in an accident with my car. And my car was fixable, but his wasn't. And then my stepdad was like, no, this car isn't safe.

1:22:19You just need to take my other extra car. So then I was driving his extra car. And then we just had the one car that we were sharing for like nine months because we couldn't afford another car. And then finally we were like, dude, we have to get another car. So we're going to buy a car. This is the first car we ever bought, either of us. Oh, I think Fox had bought one other car. We went there and we thought it was fine. and I read the contract and I was like, yeah, this will be fine. And we got it. It turned out to be a lemon. We had tried to get it fixed through them, through the warranty, and it went into a lawsuit.

1:22:54How much do you think it's worth? Nothing. Okay. It's worth$6 ,000. $5 ,000. Oh, okay. You're about break even. No, we're not even close to breaking even. We're in the hole with that. How'd you pay for all that? We paid for that out of pocket. We paid the down payment. Oh, wait a minute. I think I paid half the down payment and my mom paid half of it. And then... There's no personal responsibility here. Dude, it's embarrassing. And is this 45 and student loans yours? Yeah. I'm on...

1:23:42Hulu for just$4.99 a month for one year. Savings compared to current regular monthly price. And 12-1. Offer for ad-supported Disney Plus Hulu bundle only. Then$12.99 a month or then current regular monthly price. 18 plus terms apply. I'm on a repayment plan with that, which is like pay as you earn. I've been on it since 2013. And because my income is so low, I get revised next year. Payment as earned, I don't know, but everything's gotten a lot more simplified under the BGB. I'm fine with whatever they decide. I'm not going to complain. Well, you'll be income based on the repayment assistance program.

1:24:12If that program that you're on right now is no longer valid, I don't know. I paid zero for 10 years. Well, now it'll probably be like a couple of percentage points of your income. Which is fine. I mean... That starts next summer. That's another thing that I'm going to be different. It's like most people are like, oh, student loans. It's like, well, I signed the paper. I can't believe I haven't even had... And dropped out, went back like a thousand times. Yes. And still don't have the f***ing paper to show for it. Well, you shouldn't need to at 40. At this point, you should have the work experience that speaks for itself without the degree.

1:24:39That's what I'm saying. And I do. So I don't know if I would have stayed in school. I don't know. I just, I need a solid direction to be like pointed in because I obviously have like skills that are usable, especially I think working with like special needs kids for like so long. I obviously have like patience, determination, different qualities that would be great for any employer. I'm not too particular about what it would be. I'd love to be like a secretary. I want to look at your resume in the post show. Because it also depends how you're framing it. If it looks like you're going to just accept a job to accept a job for a quick paycheck and immediately leave.

1:25:16No. Because lots of resumes look like that. At the top of it. Well, I'll review it. Okay. At the top of it, I put that I am eager to benefit a company to help make them money. I want to be a moneymaker for the company to benefit the company. And does Fox have student loans? No. Okay. Surprisingly, no overdrafts in this checking account. I want to make sure first, though, before I go. Oh, and, oh, nope. Yeah, no, 130 in overdraft. He's this year. Great. Great. I want to make sure first, is that all the debt we got? Yes. Overdrafting, why the f***? Because your income hasn't gone down until now.

1:25:53No, I mean, the income didn't, I don't start swim lessons until May. Now, I had a tiny bit of income coming in from like part-time coaching, but that was just like a few hundred, maybe like up to 600 a month to like pay off some of the credit card minimum payments. And then like Fox was like working and paying most of the bills, but in some of that he wasn't because of mental health. Because he's going to prison because he broke his own morality. And now his wife and kids are going to be abandoned for a year. Okay. An interesting one. Amazon restaurant, Amazon. Okay. I get 50 % off and I had like - Still spending a ton.

1:26:38Yeah. Yeah. 30 bucks there. I looked at it after I sent it to you and I was like, oh, I'm f***ed. Yeah. So Amazon, pool food, Amazon, pool food, Amazon, pool food, prime video, Amazon, Amazon, prime video. The prime video was for my friend and they paid me for that. Okay. Well, there's two of them. And then Amazon and then pool food, Amazon, Evergreen restaurant. Oh, more. Okay, good. Netflix, brevity, Amazon, swimlet, swimolette. Brian Video Texas GM American Etsy Costco is probably groceries NAACS Oh canteen, vending machine, vending machine Vending machine, vending machine Stop, stop That is from when I went to the prison to visit How many vending machines do you need to do while there?

1:27:30Well I have the kids So I have the kids and I'm like we're there for four hours and they have nothing. How often are you going to prison with the kids? You're not allowed to bring... What do the kids think of this? They know that if you break the law, you go to jail. Yeah, what do they think about it? They are sad, but they know that daddy... Do people with their kids know daddy's in jail? I've told them, I'm like, you can tell who you want, but you need to know that if you... You need to know that if you make the choice to tell people, you might get made fun of because this is something weird that most families don't have to go through.

1:28:04So they kind of keep it to themselves. Yeah, very smart. Amazon, something department. But you're not allowed to bring food and drinks in there. Scholastic Education and Amazon. Yeah, which makes sense. He already got in trouble for smuggling once already. No more needed. Apparently they get some of the inmates. Who is they? Because I am concerned when you say they. Some of the inmates get, quote unquote, packages from drones. Well, yes, prisons have a massive smuggling problem. Of course, they get it some way. But I never knew it was like from drones. That's crazy. Makes sense. Modern day technology.

1:28:46Anyways. That makes sense. No, he's not involved in any of that. What I don't see is any savings or retirement. Yeah, zero. Well, I am. I'm not surprised. I am lined up to probably inherit the group swimming lesson program. My boss doesn't have any children or really any family. Why you? Because I've been there for 15 years and I care about it more than anyone. Because I'm responsible. Yeah, but why would she pick you? Well, she did. She already did. Obviously, because she trusts me. She gave me a notarized copy of her will. Whoa. And what will, okay, so what is this? valued at? I'm not sure, but potentially$40 ,000 to$60 ,000 in two months.

1:29:37Okay, okay. Well, let's see how you manage it because we have how you manage your house. I've already managed my own swim lesson program at the natatorium in the way that she does it. So it's viable and I can definitely maintain it. The only reason I can't do it full-time at the natatorium is because I don't have the teacher supply. During the summer, she has the supply of teachers because everyone's off of school. But during the school year, it's way harder to get someone who's just going to work two or three hours and that's it. Okay, okay. Listen, I'm going to make the budget, but before we do, I mean, we got this episode, which is wild.

1:30:11And we have so many more wild things in the post show. More of her backstory, you can only imagine that got her into this. Looking at her resume and just even her mom's just endlessly bailing out and we're going to talk about that even more. Yeah, but let's not talk to her. Please. Of course we will. I don't want to just shit all over her. Who? My mom. You don't have to. Oh, my God. Okay, so total income,$1 ,500, I guess. Rent, we're going to say zero because you're not required to. Zero. Utilities, do you pay that? I pay the electric and she pays the water. How much is electric? Electric is about$250 a month.

1:30:47Internet? $80. Do you? I pay it. Let's get your minimum monthly debt payments without student loans or medical yet. Okay, well, this eats a third already. Right. $507.20. Yep. Two cents. Now, to be clear, I want to make very clear, because obviously this is going to be very tight. Do not pay debt if it comes between choosing to pay a minimum payment or paying for utilities and food on the table. Debt can go f*** itself when it comes to the necessities of the house. To be very clear, I want you to pay debt. Right. Okay, phone bill? My mom pays it. Okay. Groceries. What do you budget for groceries?

1:31:33So we do Costco like maybe every two months, maybe like six weeks to two months, and it's usually$200 to$300. And then HEB is like anywhere from$50 to$100 a week, depending on how much Costco like kind of – the weight is in Costco because I get like a lot of frozen meats and like yogurt in bulk. Tell me, for all three of you, do$400 a month? $400 to$600. Okay, I was going to say$500. It depends. At minimum. Well. At minimum. Even that's a bit tight. I want to say$600. They eat dinner with my mom sometimes because she picks them up from school when I'm working. Okay, then I'll say$500. Okay, Vroom from Drive, Drive, Gas.

1:32:19$40 a week. Okay, so$160. Yep. Car insurance?

1:32:28Uh, 165, and that's also renter's insurance. Okay. But I've already paid that out through, I think, February. So, I don't have this. Okay, well, I'll put an asterisk by it then. Okay, and TP Fund, anything else for you and the kids? I'm going to say 150. We're keeping it really tight. All right. Sports activities, whatever, whatever. Tampons, all the good stuff. Okay, medical healthcare. Are there co-pays on a monthly basis I need to put in? Uh, no. No, I mean, we have the insurance. It's horrible to say, but I can't put any pet insurance. But how much for pet food?

1:33:03About 60 a month. Okay. Subscriptions I'm not even going to try. I have Netflix and Amazon Prime and Spotify. Let me see if I can put in 20 and you figure out where it goes. 25. Is there a gym? No. Okay. Absolutely not. I just, okay. Bro, I can't even pay to like get groceries. I'm not going to the gym. You can do push-ups. You can do push-ups. You can do push-ups at your house for free. Sure, that's fine. I mean, because, yeah, you're already over budget by hundreds. And I didn't even do pet insurance, which you pretty much have to do. At 50 bucks a pop. You're already at 1 ,900. This just doesn't make sense.

1:33:43I know, but. Which is why, in my mind, debt will go up. And then you focus on paying it off again in the summer. And then it goes, it's just going to be a rebound forever. a solid career that's... I agree. I need to be the breadwinner. I need to be the breadwinner and then when Fox gets out, he can figure out what he's going to do. Which I agree with that. And if we have two full-time incomes would be great. I agree with that. Listen, I'll get you as many course career certifications as you want. Usually we just do one. But you need to figure this out. I'm doing this for the kids. I'm not even doing it for you, honestly.

1:34:15Thank you. You need to go get a f***ing career now. So you're going to gather as much as you can and you're going to start working. But it's going to be harder to start a career 41. It really is. Not that it can't be done, but brought from scratch without the experience, yes, it will be harder. So you're going to focus on that, and then you're going to go hard into grinding 40 hours a week at a job that is a consistent level income while working second and third jobs as well. Now, once you actually start bringing in like $2 ,500, we should be able to tackle down a lot of this debt relatively decently.

1:34:48It's going to take a few years still, but that's fine. In June, I'm going to be making$6 ,000,$7 ,000. We're not relying on that anymore, though, because you're focusing on getting a career now that is consistent. Right, but I can't leave the pool. I have to at least maintain some. That's another hard part. That's going to throw a complication into your career. If I'm going to inherit the program, I have to at least stay there a little bit. Okay, when's the inheritance going to be? Well, she's like 75, I think. So I don't know how long she's going to keep doing it. So, well, you haven't had a conversation?

1:35:20I mean, a little bit. She'll probably do it for another 10 years. How do you start a career if in the summer you can't do career? I don't know. Okay, then I'm just going to go to the post-show because this doesn't work. Because I would work both. Because I would work both. I would work two jobs, like you're suggesting, or three jobs. Yeah, but the hours are... Okay, whatever. Hammer financial score. Okay, spending a budget, you overspend 0 out of 10 debt. Well, medical is basically in collections, but it's not technically yet. 1 out of 10 for your income level for sure. Emergency funds, 0 out of 10.

1:35:52Retirement, 0 out of 10. Real estate, 0 out of 10. You don't own the house yet. You're not on the deed yet. Round it up, 0.5 out of 10. Click that join button for an extra insane 20 minutes of this episode and every other episode by joining Hammer Elite, including three premium shows posted every single day, Monday through Friday. Number one, membership on YouTube for a reason, ladies and gentlemen. See you there. I just want to be able to make money for my kids. It's okay. I get it. It's not okay. That's the point. It's like I f***ed my whole life. And I brought my kids into it. Ice has really big sign-on bonuses right now.

1:36:27Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated 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. That's a promise. Next up is a little song from CarMax about selling a car your way. You wanna sell those wheels? You wanna get a CarMax instant offer? So fast. Wanna take a sec to think about it? Or like a month? Wanna keep tabs on that instant offer? With OfferWatch. Wanna have CarMax pick it up from your driveway? You wanna get it done today?

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