The Truth About Financial Audit

25:30Detwin filmed,$40 ,000. Current debt amount,$35 ,551. Months since filming financial audit, six. Things are going smooth. Wife got a job and started a business for calibration software. Hi, my name's Isabella. I'm 34 years old. I'm from Clearwater, Florida, and this is financial audit. Need better tools. My mom tried to do like Dave Ramsey CDs on me, and that just did not help me at all. with his teaching. Well, sure, if you're stuck in the 80s, I guess. 90s, CDs. Yeah, yeah. So I tried that method. That didn't help. And so I'm just trying to really try to... Well, what did not work there for you?

26:09Because this thing is pretty damn simple. I don't agree with some of the debts, the start of emergency funds too low, but what did not work for you? I think just how he words things. I just didn't think his life didn't... Like his examples and whatnot just didn't align how my thought process works either. So I tried to understand. Then I tried to implement it. How does everything has the candor to you, though? You're able to f***ing comprehend? But at the same time, I just didn't really grasp his concepts. I understand that there's no all effects. But it's the most basic. I mean, I'm sorry. I'm not trying to be offensive, but it's literally like the bottom tier basic.

26:43He even talks like it's the most bottom level basic. He's like, I was in like$5 ,000,$100 ,000 of debt, and now I have zero. And I'm like, well, that's great for you, Dave, but I'm different. What? Yeah, I know. It was just an example. What the fuck are you talking about? He got himself into a bunch of debt, and that's why he's telling people how to get out of it, how he got out of it. It doesn't matter how he got into debt, though. How he got out is different than how other people could get out. There's other ways that work for other people. There are other ways, but that doesn't mean that the snowball method doesn't work, though.

27:16That's so confusing. I'm not getting your logic yet. It didn't help me. but why because the example you used is like really dumb honestly if i'm being honest because he had really poorly leveraged real estate quick note debt all of a sudden you can't pay off a credit card i'm confused like his debt payoff method isn't about the kind of debt he was in yeah i i think well he was just trying to teach people to get out of debt because that's how he got out of his own debt was why but all no he went through bankruptcy he teaches people oh you're not having me slobber on Dave's right now. But this is ridiculous.

27:53Yeah. So my mom had me listen to some of the CDs. I didn't. His shit is basic. It's pay off the smallest debt to the largest debt. How does because he went through bankruptcy negate your ability to understand that? That is the most basic. I didn't know he went through bankruptcy. That's my fault. What? I'm just so confused. I listened to his CDs, but I didn't listen to all of them.

28:16That when filmed,$75 ,000 Current debt amount,$69 ,000. Nice. Months since filming Financial Audit, seven. Things haven't been great for me. My cat passed away and had to spend a decent amount of money with all vet visits. I got a raise at my job this week, only a$1 raise, but that's pretty good considering people only get 10 to 25 cent raises. I'm still making progress with the class course I received. I didn't even end up going to the other festival in Texas due to the cost either. Let's talk about student loans. I know it's something we all avoid talking about, but if your private stoning loans are crushing you, Y-Refi might be exactly what you need.

28:57They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates? Under 6 % guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co-sign a release program so your mom and dad can step off the hook. YReFi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them.

29:38So 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 YRefi.com slash hammer. That is Y-R-E-F-Y dot 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. My name is Sierra. I'm 31. And I am Jordan. And I'm 24. And we live in Addison, Texas. and this is financial audit you're borrowing micro payday loans it's only a matter of time you didn't have 11 to go to a skating rink the f*** are you talking about you are literally there you're probably here as a last resort that's what a lot of people do you are on that edge you are going to be drowning before you know it you have like the last chance to turn it around i have a couple of options what i can always just downgrade my apartment yes i would highly recommend that immediately go on what's next doesn't mean you still won't miss rent i have a feeling you're going to feel like you have extra money so you go blow it all or else you wouldn't be in this position anyway to begin with let's be honest go on well if i number two i just haven't downsized yet number two what's the next option go ahead well my tax returns coming up okay well that's a joke i could pay off things listen you could have paid it off last year and this is where we are today so you're either going to spend it or you pay it off with your tax return without changing your behavior and then you build it up every year my tax return last year huh my tax return last year went to bills and what's gonna say it's not gonna go to bills this time

31:12no idea exactly well stop looking at the camera it's weird it makes people feel weird out there okay i'll try that's not funny i'll kick you off i have no problem kicking people off well look there's a nice car in fortnite that i had to get it and and then they had this skin and you do it for the kids yeah but you would rather them have that than a roof over their head good job what a future stellar mother you're gonna be emerald advance loan what's this for oh yeah that is from 288 past eight um so basically they let me borrow uh they they give you this card and uh you can borrow money before you get your taxes it's your tax return money you get it before Yes.

31:59Yes. And basically they get the lady messed up and gave me too much. So when I did get my taxes, I would just spend it all if you got too much. Did you know it was too much? No. And so when I got my taxes, it wasn't, it wasn't even close to that amount. Cause I used to have a problem with having job to job to job. Yeah. Surprised. I mean, you've only been at Jules for three months. Shocker.

32:26debt when filmed $20 ,000 current debt amount $10 ,000 months since filming financial audit eight paid off all the money borrowing apps working on paying off my car my name is Harmony I'm 28 years old and I'm from Fort Worth, Texas and this is financial audit why does your name and your location have to have so many R's in it that is very I asked that like racist towards your mouth. I ask that every day of my life. Okay. Honestly, it is such a mouthful. That's what she said. What do you do in full? Sorry. Okay. Well, that's the one time. That one time had to get it over with. Please go. What are you doing?

33:08I currently do not have a job. Legend Sports Bar. Whataburger. DoorDash and McAllister. DoorDash and Cracker Barrel. Dutch Bros. Nothing. Bunkegs. DoorDash and Panera Bread. That's not interest. You. But it wasn't. Shut up with that. Like, it wasn't over the limit. Oh, you are going to ruin me. It doesn't. Are you actually? I'm so. Oh, my gosh. I'm so sorry. Lindsay, may I draw? Because apparently we have to go back to elementary school real quick. Ladies and gentlemen, the catch of a lifetime. She's waiting for you. Come get her. Good death. She doesn't understand basic things. Here's a credit card balance.

33:49Whoa, you're here. You're here. You're here. Oh, my goodness. It's pretty close. And you know interest is going to get. Wait. Oh, my gosh. Can you believe it? Shut the f*** up. There's this much to spend? There's this much to spend? That's exciting. If interest is going to hit, oh, I'm going to spend up to here. Oh, s***. Now interest is going to hit, but we're at our credit card limit. What do you think is going to happen? It's going to go above. It's going to go above. But I didn't realize it would be$300 of interest. Like, that's a lot. Oh, we don't know how math works, too. Yeah, let's continue to go back to elementary school, shall we?

34:20I've been calculating and budgeting. I'm not going to fucking death. Let's start a budget. Like two days ago. No, two days ago. Shut the f*** up. That means nothing. $1 ,500 is basically an interest this year so far. Shut the f*** up. I'm glad we have that. Guys, we don't have a job. We don't drive enough in DoorDash, but we're going to order DoorDash every five seconds of our life. F*** you.

34:43Debt when filmed,$22 ,000. Current debt amount,$1 ,500. months since filming Financial Audit, five. I got a job in finance. It's a hybrid job and is much better for my health. I am also getting tests run to get an official diagnosis on my physical health issues. Hi, my name is Christian. I'm 28 years old and this is Financial Audit. You rated your kid's savings so you could go on vacation and you don't regret it. Yeah. What the f*** is that? Because that's going to make me hate you real quick. No, I understand. And I figured I valued building memories with him and stuff, taking him experiences.

35:23It was worth it. Rated? Yeah, I figured, you know, I took him to New York four times in the last year. Disney World, the Bahamas. What the f***? Houston. What the f*** with her? Atlanta. Yeah, she went. What's the rated? Like, I used it all. How much was there in your kid's savings? Your kid's savings. My savings for him was probably$8 ,000 to$10 ,000. what the fuck for your four-year-old? Yeah, well, I ran it up. Four-year-old. I ran it up on my credit cards and then. Ran what up? Those trips? The trips expenses. I was like, well, I don't want to pay interest. I figured. I don't want to pay interest, so let me take for my kid's future?

36:02Well, yeah, he's like a zero percent loan. She also gets on me for my weight. In your response to all that. Well, like I said, I kind of just push it out. You know, I get real anxious about a lot of things. And so when we're arguing, I get stressed out. And I'm just like, you know, yeah. Me and the kid will go visit my grandparents. We'll go hang out. We'll go do something, you know. Let her cool off. Come back. She's in a better mood. Dude, this is the least. This is so unhealthy. Do you not know how unhealthy that is? Yeah. You know, she's a Vietnamese. You know, they're a little feisty. So I figured that's just how she is.

36:42I know she wants me to do better. It's just Vietnamese. Was she born here? Yes, she's from here. Her parents aren't. We met serving sushi together at a Japanese restaurant. It's like seven years ago. It's romantic. And I'm sure she regrets every day since. Yeah.

37:04Debt when filmed,$83 ,000. Current debt amount,$69 ,000. Nice again. Months since filming financial audit, two. Much better. The show has completely changed the trajectory of my life, not just financially, but also with my family and in general. Very grateful to have been on and can't wait to film my follow-up episode. Hi, I'm Rico Suave. I'm 23 years old and I live in Austin, Texas. This is Financial Audit. What job do you want? I want to be the guy who just got fired for using the company credit card. Do you still have that credit card? Did you give it back? Allegedly, the company card is still on my iPhone still.

37:45allegedly in pursuit of buying more chicken potentially. Are you actually using it? I'm not using it currently. Have you used it since being fired? Buddy, fuck off. If you fuck off, you're a piece of shit. That's not funny. I'm telling you, man. You're not funny. They were supposed to reimburse me for gas? I mean, I'm just reimbursing the gas in terms of food, you know? You kind of get what I'm saying? They told me you used it to buy I did buy I actually did do that. I did do that. It was good though. What the f*** am I talking to right now? You're not even close to being considered for a job.

38:34I mean, think about it though. I mean, mistakes are made. Why would I hire you? If you're actually being serious, but you have a weird personality. I interacted with him in the lobby earlier. This is him. Actually found someone that does very similar business. What business? Airbnb manager. That's right. You're looking at him. No one's going to trust you for that. Cool. Call him right now. I'll call him. Call him right now and ask if he's seriously considering you for the job. 100 % honest. Put him on speakerphone. Put the mic to here. Let's do it. I'll call him right now. He's from the Dominican.

39:05Speakerphone right here. Put the mic here. The bottom of the phone. Hey, what's up, dude? Yo, so you're going to consider me actually hiring for the job, right? Airbnb job, right? Well, I'm going to connect you to the owner. They're looking for somebody because the current manager is in College Station, so he needs somebody. He does. Does he need someone this week, right? I don't know. All I'm going to be able to do is just connect you with him, and then you speak in whatever terms. Yeah, you tell him. I get to. You tell him I'm the best. I'm the most on time. I'm the most responsible. Tom, I'm going to get everything figured out.

39:44Can I ask why are you considering me by chance? Why do you want to consider me? You're just the only person that seems interested. What's the pain? I don't want to leave like anybody. How much are you going to pay me, by the way? I'm not paying you. Again, he's the one that's working with you. So what it is, remember how I get paid a percentage of what it is? Do you know how much that, if you can guess, sorry to cut you off. That's something that you have to speak to him every hour of the week. Negotiate about. Tell him, hey, 10 % or something like that. Detwin filmed,$19 ,000. Current debt amount,$14 ,000.

40:24Months since filming Financial Audit, seven. Months since Caleb Hammer still hates Rico Suave, zero. Rico is doing fine moving to San Diego, possibly taking a lot of degenerate vacations. My twin is moving back to Austin, almost brought a gun to laser tag tournament hitting up suavecitas like my life depends on it got myself banned from waymo

40:51rico hi i'm cj i'm 33 years old i live in austin texas and i'm on financial audit i like getting my little credit every month yeah it's like any gamification that has ever been implemented through a product manager in any kind of system was fully geared towards you because you feel like you're accomplishing something you're not you're making them money and you're putting your life on hold and your goals further and further out moving to thailand it's going to be a lot cheaper but you don't have enough money saved up even to get a flight to thailand so i don't know what you're talking about you're not going to be able to move to thailand your thailand also you said you have to get to your 250 users a month in order to move there you're not even the two.

41:34I mean, I'm at 25. Probably because when you got this, the car market was much higher. So it was calculating that buyout value to be higher at the end. The car market value has corrected a little, hasn't gone to where it was pre-pandemic, probably won't for a long time. I was thinking of just buying it and then selling it immediately. Where is this$16 ,000? No, whatever like$20 ,000 is coming from to buy it right now. If you wanted to 25 where's that coming from to be honest i didn't realize that you still had to pay if you bought it out that you still had to pay the rest of the payments so that yes thwarting my idea here a little but how do you think you would do the 9 000 anyway you can't do a 1 000 flight oh my your vision how you think you're gonna get there is so incorrect and so just...

42:36Detwin filmed,$16 ,000. Current debt amount,$12 ,000. Months since filming financial audit, 11. I started a YouTube channel and I'm about to be monetized in under 50 days. I've quit my salon and I'm working for myself doing hair and focusing on my personal brand and online business. I've moved to downtown Austin since filming. Hi, I'm Jessica. I'm 34 years old. I'm from Miami, Florida, and this is Financial Audit. What have you got? And what am I dealing with here? A lot of courses on the same things, to be honest, just from different people. What are you doing? Tell me anything that is actual answer.

43:12Like social media, marketing. But that's you. You're the one that's supposed to be doing this. Why are you? Correct, but I need to expand my skill set. You need to learn, and you're still learning every day, aren't you? Are you? Are you? Yes. Am I blowing$20 ,000 for it? No. For f***s sake, our thing, the thing we offer that has the lowest refund rate in the industry, even though we - I also have that. That's fine, but you get it for free and you know that you get a free refund within a month if you ask for it, if you don't find value. That's how confident we are in it. But even that, all five or whenever this comes out, six of our educational programs plus the budgeting app is literally 197.

43:49How the f*** did you spend$20 ,000 when we have the best in the industry with the most lenient refund and the lowest of refunds. Yes. How the f*** did you spend$20 ,000? It's a completely different industry, first of all. No, you got scammed. No, they're great. You got hustled. They're great coaches. They are. Zappel card balance is insane, dude. It's higher now. Like a lot higher. You're doing a Spain trip with mom. Are you affirming that? What the f***? My mom will affirm that. Your mom affirmed it? I doubt she will. No, are you affirming it? No, she'll... She's paying for the entire Spain trip.

44:29You are such a spoiled brat. You've never learned a single skill in your life, monetary-wise. And that means when they are gone, you are f***ed. You will blow through all the money. As you do now, you are going to be destroyed, which means your kid's life is going to be nothing but stress because their mother has refused to learn any f***ing skills or sacrifice anything. And they're just going to see nothing but stress, stress, stress, trying to pay bills, and that's on you. Disgusting. Disgusting. That's why I'm here. That's why I'm here. Shut the f*** up. Every time I taste something, you push back against it, you little tit.

45:01Debt since filmed,$101 ,351. Current debt amount,$86 ,408. Month since filming Financial Audit, two. The month after I filmed Financial Audit, I made$13 ,000 in my business. It hasn't been consistent$13 ,000, but it hasn't been$2 ,500 again either. So I was able to pay off all my cards and sold the stupid watch I bought my ex. I still owe my mom and my student loans, but that's about it. Hi, my name's Kimberly. I'm 25 from New Braunfels, Texas, and this is Financial Audit. Yeah, and you want to have a kid like tomorrow. So what goal matters more? The mom. The mom. Then why aren't you prioritizing it?

45:45I don't understand. That's like your f***ing choice. You could just go do that. I know, but also like fun. Well, not just go do that, but you can at least make the actual progress and the stuff that is necessary to get there. Getting on our budget, not blowing all our money, not spending 2 ,000 hours more than we make on a monthly basis. Yes. But fun is also a priority for me, too. And on the spatula, she wants to go and get a massage. Of course it's a priority. It's a priority for all of us. But which one do you choose? They can't both be the top priority when you're obviously failing one from the other.

46:17Your obvious top priority is fun because that is what your money, no, that is what your money is doing. Fun right now. Fun right now. But your fun right now is preventing you from having a kid or you're going to get a kid in a household that's going to be stressed financially and it's not going to be a good environment. Well, I think. Not the environment you would want. That's true. But I think fun right now and then focus after this bachelorette, after the wedding, and then after the cruise in September, I will. We're talking to fucking September. That's a half a year away. You're already talking about having a kid at the end of the fucking year.

46:55So, sorry. You're not a raging. That's so stupid. I know.

47:02That one filmed,$20 ,000. Current debt amount,$13 ,000. Month since filming financial audit, eight. I've paid off my credit cards and some of my taxes and car. I am attacking the car currently and refinancing at the beginning of the year to hopefully get a better rate. I got my raise finally, and that has been so helpful. My Christmas bonus will go straight to the car. Things are looking up. Hey, my name is Anastasia. I am 28 years old. I'm from Los Angeles, California, and this is Financial Audit. I mean, I also do OnlyF** on the side too for a little bit of extra income. So I - Is that what pushes you over to be able to pay the bills?

47:41Not really. I mean, OnlyF** has kind of gone down a little bit. For you or for everyone? I mean, I don't know about everybody else, but for me, because I had a whole ordeal with an only f***ing agency where they kind of trashed my account. What? So, I mean, okay, so I started only f***ing back in... Here's the LA part. Yeah. This makes more sense. So, I started only f***ing back in August, and I had the help of my friend who was working for an only f***ing agency. So, she actually always told me, don't go to an agency. Oh, good. Yeah. Then let's go to an agency. If one of our close friends works for one and says don't.

48:20Yeah. So what happened was I ended up making like 10K that first month. And I was like, oh, well, this is fantastic income. So then it started going down. My friend didn't want to really help me as much anymore. So it was kind of on my own at that point. And I was like, well, I don't want to do this on my own. So that's why I went to an agency because I was already giving her a cut and my other friend a cut to kind of help me with the account. So I was like, I mean, if they're not helping me, it's not going to be any real difference. I was already giving a percentage away. Probably food came into there.

48:57I spent a lot on food because I don't. I just realized you're 28. Why did you start? People sometimes turn 18 and immediately get on that OF train when it comes to agencies. Those agencies just wait. and then they're like oh 18 yeah you started decently late for someone why'd you start so like why randomly did you start this like literally becoming an online person working in diddling um so i had always kind of like i don't think i knew about it when i was 18 but i don't know if it existed when we were 18 yeah oh you but i'm two years old damn i'm sorry but um i think it got to a point where my savings were like super duper low oh see that's what i don't like i'm going doing whatever the want as long as it's not like harming someone else which someone argued that it actually does but either way uh i'm okay with consenting adults doing consenting adult things

50:03that when filmed$28 ,000 current debt amount$25 ,000 month since filming financial audit eight currently I am working 40 hours plus doing Instacart on the side I'm working towards paying off my debt I have eliminated both the care and Michael's credit cards as well as all the firms in Klarna I am attempting to pay more on car payments but the APR is six percent my credit card loan is the one that makes things tough. I have saved money towards the summer and plan to continue to do so the next six months and have requested summer hours as well so there's never a time there's no income. I am working very hard towards my debt because I am so tired of living like this.

50:44Any extra money I make goes towards loans and other expenses. I haven't gotten anything fun for myself in a really long time because I'm putting bills and food first right now. I have planned out how long things will actually take to pay off. And right now, it looks like for the next four years, I'll be paying things off, but I'm making it a goal to have it not be that long. Hi, I'm Cassie. I'm 29 years old. Hi, I'm Andre. I'm 33 years old and we're from Oklahoma. And this is Financial Audit. Yeah, let me defend a 35 % interest rate and I can't afford life. I'm aware the way I got it was dumb.

51:16We have no retirement. I'm aware the way I got it was dumb. No, that is dumb. With your lack of retirement, lack of emergency fund and overall debt situation, it's dumb regardless if you spent it on debt. I'm aware of that part. But my nephew was born with a heart condition where every couple years he has to go get a valve replaced, open heart surgery, and he's laid up forever. And his parents are very anti-new technology. Like his newest thing is an Xbox 360. So I got him a PlayStation 5. It's not supported on anything. He can't update any games. He couldn't play with his friends. Most of his discs don't work, and we don't have a game store where we're at in Oklahoma.

51:49Why does that have to be your responsibility? I know. It shouldn't be. I've had that conversation I appreciate the heart of it man that's what I'm saying is I'll defend the heart I know it was a dumb financial move but I'm gonna die on that also it was more than that you spent double than just the Playstation yeah it was the Playstation and then go on Nintendo Switch for my daughter that she broke two months later oh my f*** you guys just get everything there is nothing you don't get there is nothing you don't get and I see a smart watch on you This was cash flow, no financing. Does it matter?

52:26It would have gone towards debt. Okay, so are you buying in game? No, no. So I used to. I was addicted to it when I was like 19. 19? Yeah, I had a lot of money when I was 19 and really no bills. So I spent a small house worth on skins. On skins? How much? Like 92 ,000. 92 ,000? Since Torben traded over FlatEx, he feels like Torben Gecko. For all those who have a market in blood like Tauben. Now, capital tax is comfortable and automatically. That's how it's going to invest in debt. FlatEx. Better to trade. Investing has a risk of loss. That's an hour of an in-game skit. Yeah, that's the best part is I don't have any of them anymore.

53:11When you were 19? Yeah. Did you sell them? No, I got banned.

53:17Debt when filmed,$32 ,000. Current debt amount,$4 ,000. Month since filming the financial audit, four. We have paid off all of our affirmed debt and all but one of our credit cards and our monthly minimums have gone down by$700 total. Oh yeah, my name is Joey. My name is Joseph. I am 31 years old or born and raised in Austin, Texas. And I forgot the last part again. My name is Joseph. I am still 32 and I still live in Austin. My name is Joseph. I forget my age. Hi, my name is Joseph. I'm 33 years old. Guarantee this, I'm going to make something happen, and I will be held to account because I'm hoping to make a future appearance.

53:54And you are going to work every side hustle possible. That extra$1 ,000 a month becomes an extra$2 ,000 a month. You sure you don't want me to keep at least$500 in case something happens in that car? There's a lot of reasons to be upset, and you didn't follow the plan that we talked about. I am not upset by paying something you legally have to. On the flip side, it's like, well, staying broke is harder, and I've done that my whole life, so... Did you quote that for yourself right now? It should be easier. If anyone said that before, let me know. But that's kind of was like, well, yeah, I don't really have any excuses, do I?

54:25So what is the situation on this house? How is the minimum monthly payment paid? Who? What? When? She sends the money like 900 to me. Because when you factor in all the bills. What bills? You're talking utilities and bulls**t? Yeah. Is that half? Yeah. No. No. No, it's like the math is weird, but it's like. I need to know how you do it. It's like$1 ,400 between both of us because like there's also insurance and escrow. Yes. It's like the mortgage itself, escrow. Yes. What is your minimum monthly payment for that? So like half and half$1 ,400. $1 ,400 each? Yeah. So she paid. Each? Yeah. Each? Yeah.

55:11And you bring in$24? No, no, no. Sorry. What did you say? 800 hours a week? 600 hours a week. 600 for me. For fuck's sake, Joseph, what are you doing? 2 ,400 and it is 1 ,400 each. Joseph, that's 60 % of your money. And that's before utilities, right? That's including utilities. That's insane, Joseph.

55:38Debt when filmed,$20 ,000. Current debt amount,$6 ,000. Months since filming financial audit, 30. just totaled another car. Thumbs up emoji. Hi, my name's Dakota. I'm 23 years old and I'm from Detroit, Michigan, and this is Financial Audit. Now, I got a note that, you know, it's a little early in the day. You may have skipped breakfast, so I wanted to make sure we fed you a snack.

56:06That's crazy. You know, I'm not even offended that it's in a dog bowl. I'm more so offended that it's not Fruity Pebbles or anything else other than Cocoa Puffs. I'm not doing this because it's in a dog bowl. I am. Pretty good. Okay, you pay it off every time. No questions asked. No problems. No late fees as I go through this entire thing. Yes. Everything is on time. I have always been successful on that besides my one missed auto payment on my Best Buy card like three and a half years ago. Oh, I guess your ex has a negative image in the furry community. Extremely. Yeah, she is a piece of shit.

56:42Total piece of shit. Why? Transphobic, racist, ableist, fatphobic. Everything under the sun. Which I think that that community specifically is all those things usually, right? No, no, no, no. There's bad apples. There's bad apples in every fandom. There's bad apples in anime. No, no, no. Isn't your... Furry. I couldn't think of it. Aren't they all fat, trans, and... No. No. I would say it's a decently sized demographic of that genre of people. No disrespect. Ladies and gentlemen, you know where you love her. Financial Audit's lesbian correspondent. I need a, what do we call it? Financial Audit lesbian score, please.

57:23Zero to ten, zero being the lowest, ten being the highest. On you. Okay. I know I have a haircut of a lesbian woman. Yeah, a masked lesbian. Okay. And that. You sucked a couple. Okay, well, I will. I've had two in my mouth. This is more like a gay quiz. I've been inside two men. You've been inside two men. But it's a lesbian. But I am straight. I've had to figure it out. You've been inside two men, but you're straight. Yes, I didn't enjoy it. It was honestly the worst thing ever. Were you hard? Not really. Take me through that because you went inside one man and you were like, give it one more try.

57:54Well, yeah. I was like, you know, just because the first bite's not that good doesn't mean the second bite can't be better. Yeah. So. Okay. What kind of car did you drive? Alexis. V8. LS460. Do you like going to hardware stores? No. Ooh. Do you have any tattoos? Yeah. Okay. Like seven. I'm trying to think. Have you watched Carol? Oh, the Netflix animated series? Nope. Nope. I'm not. Yeah, no, he's not a lesbian. What's the score? It's really not the animated series Carol? Two out of ten. debt when filmed$25 ,000 current debt amount$23 ,000 months since filming financial audit two I got my credit card APR interest rate dropped from 29.9 % to 12 % for a year on a fixed term disables the card but allows me to pay it off faster saving up for a streaming setup now that twitch graciously gave me my twitch partner so I can begin paying down my debts even faster life has been good.

59:04Lots of people recognize me in real life and talk to me about the show. Very grateful for Caleb and the team for having me. P.S. I don't actually thank Caleb's gay for driving a Tesla. That was just for the cameras. Let's be real. Navigating insurance feels like trying to read ancient schools written by lawyers. And if you've been thinking about starting a weight loss journey but got stuck in the swamp of fine print and phone trees, you're not alone. And that is why I love what Roe is doing. They've built a free tool, yeah, free, to help you check if your insurance covers GLP-1 medications, also known as weight loss injections.

59:37It's called the insurance checker and it cuts through the red tape like your kid ripping open every holiday gift before 7am. You don't have to be a Roe member and there's no commitment. Just upload your insurance info and a few days later, you'll get a report that shows you what's covered, if prior authorization is needed, and where to go from there. No guesswork, no music, no nonsense. Join over a million people who've already used ROE to check their coverage, go to roe.co slash Caleb for your free insurance checker. That is R-O dot C-O slash Caleb to see if your insurance covers GLP-1s for free.

1:00:10And go to roe.co slash safety for box warning and full safety information about GLP-1 medications. Let's get back to the episode. Ho, ho, ho, and Merry Christmas. Happy holidays and all that good stuff. You've been extra good this year, so I'm gifting you 50 % off your first three months of Master Your Money. Right now through December 29th, you can crush debt, find an average of$200 in savings per month, join a thriving community of budgeting ninjas, and free access to the premium version of the DollarWise budgeting app. But don't wait! My elves are shutting this shit down at midnight on the 29th.

1:00:43So if you want to get your finances in shape before the holiday hangover hits in the new year, this is your chance. Click the link below to say big on Master Your Money. Happy holidays, Merry Christmas, Hanukkah, all that bullshit, and see you inside. Hi, my name is Sabrina. I'm 21 years old. I'm from Melbourne, Florida, and you're watching Financial Audit. When I was in college, you used furniture off of Facebook Marketplace that I spent like a hundred bucks on for everything. I did get a bunch of used furniture. Yeah, but if you were scrapping, if you were being scrappy, you would not be in these kind of finances.

1:01:15Yeah. I mean, I'm also only 21 and I've never lived alone. So it's kind of hard to just like, boop, now you're on your own. I am going to commit against this generation. I am so sorry. Are you f***ing like actually stupid? No. Can I ask you that? I've actually been taking care of everything since I was 12. Okay. Yeah. What was then? Great. I would actually like to hear that. Then what is the, I'm just a 21 year old. What is the infant? Everyone does. You're going to make mistakes until you die. Yeah. It's not the I'm 21. Don't infantilize yourself and give yourself a preemptive excuse to f*** up.

1:01:51You will f*** up because you are a human in a very temporary life on earth. but stuff is infantilized. Next, you're going to pull out the, oh, but my frontal lobe's not fully developed until 25. I'm a psych major. I would not do that. Dude, after like 14, you have the cognitive skills to make the vast majority of rational decisions in this world, and then it slightly develops more until 25. It's not like a switch is flipped. So what the f*** is I'm just 21? Well, you asked. It's so stupid. I didn't ask that. Well, yeah, but I mean, you asked why. Yeah, and that's your answer is - Part of it. Is I get to excuse everything because I'm - too young to be able to advocate for myself and make mature choices.

1:02:29Well, a bunch of the cards had 0 % APRs, so I was using those because they didn't have anything in the bank. And then I just like... Did you know what that would end up meaning? Yeah, that it accrues. $40 payment on this,$1 ,005.35 owed. Oh, for f***ing. Well, it looks like the balance just paid off last month, but then you purchased$1 ,005. Yeah. So what's up with this card? That's the shared card we used when we moved in. Who shared? Shared with who? The boyfriend. Well, not shared. He's an authorized user. Oh, God. But you're not married yet. Why are you getting so entangled like this? Because he had no credit.

1:03:06Tell him to get an intro credit card. He did. He actually got a fizz card. Okay, then all of a sudden we realize. Yeah, I wanted him to start building credit. Okay, so he got the Fizz card. Great. So why the f*** did he need to be on this card? I added him before that.

1:03:26Debt when filmed,$38 ,000. Current debt amount,$30 ,000. Month since filming financial audit, seven. I got a promotion to work and left my private university to get my management bachelor's at a state college nearby. I also ended up enrolling in a debt management program that has already helped me handle two of my bad debts. Hi, my name is Evelyn. I'm 29 years old. I'm from Lebanon, Tennessee, and this is Financial Audit. What the f*** is wrong with you? What is possibly wrong with you? So I'll tell you what I did with that. Nothing. You've done nothing. Exactly. So I took out that loan, and then I realized that I couldn't pay it because I didn't have a job.

1:04:04Yeah, no s***. So I changed bank accounts. Are you f***ing stupid? What do you mean? This was through your bank? Oh, you just... what because it was gonna auto dress is that what you're saying yes and there was not a way that you could it'll probably go to collections because it's not a huge amount and that tends to be where payday loans go but technically they could small claims you they could go legally after you they could they have that right and that rent is incredible amazing what just amazing you're pretty eyes oh okay we're not doing i'm not sending you money for tits dude not how this is gonna work that is not your way out i wouldn't send you mine i know someone in my life i'm not gonna out them but every time he sends schlong picks the women yeah he takes them from twitter it's never his it's a business and i don't do any because it'd be way too risky for me so it's a also no one wants long pics no one cares about that boobs are beautiful who wants to stick a dick now they look ugly i think they do they look like aliens Thank you for the compliment.

1:05:06You're welcome. Your eyes are far apart.

1:05:12Debt when filmed,$40 ,000. Current debt amount,$20 ,000. Months since filming Financial Audit, 12. All debt has been taken care of. I have a brand new car, 600 plus credit score, hopefully starting nursing school in January, have to pay out of pocket, and I'm financially comfortable enough to buy the things I want in life. Hi, my name's Rex. I'm 34. I'm from Lansing, Michigan, and this is Financial Audit. You couldn't successfully complete holding a job for more than six months. You couldn't work in a kitchen. You can't go and sit across a desk from someone without having to sit in a house for a week.

1:05:46You're a child. You're incapable of existing in this world and doing all this stuff that you want to do. And just like, by the way, your kid, you want to homeschool your kid. All this stuff that you are choosing is going to put you in a position where they're going to have to put their life on hold to take care of their joke. of a dad that is your choice and it's honestly a disgusting choice it is a selfish so so them being and it's a joke sick from being in public school constantly is a better thing so how would i take care of a sick kid i can't afford a babysitter i can't afford a hospital bill if they get the sniffles the covid is not the sniffles i didn't even say covid you just said sick i'm suggesting a cold yeah there's there's hardly even colds anymore that's not even true that's I know that's not true bring up the wastewater data and look up holes over the last five years you should check it out buddy I'm not falling down your conspiracy holes if you find the truth to be conspiracy there are other problems that's what everyone says buddy that is in your you've met someone else that's taken this many COVID precautions Matt no but we've all seen them buddy We all know people like you in society, and you never go anywhere.

1:07:06The survivors? You never go. I'll be here long after the rest of you are gone. I highly doubt that. I will be. Tree service company? It's the longest you've held down a real job. The tree service company was... How long? That was almost six months. Oh, f***. And I caught a log. Is this even worth going through your documents? Oh, my f***. I caught a log to the side of my head on that one. I think you're just lost, man. I think you're just, you're going to be afraid until the moment you die of everything. And I'm not saying people didn't get sick. I'm not saying I'm on the other side of it either.

1:07:41I'm not saying I'm on your side. I'm not even taking an opinion or stance because honestly, I'm just not educated. I just don't really care. I was like, you know, I got a little bit of fever and I was like, oh, this sucks. Hopefully I can go outside again soon. And then I did. Hopefully I can move again is some people's reality. I didn't know that then. That was. Didn't know what? I didn't know who to look for to help me. Google who to look for to help me. In 2014, I just had... You're able to look things up. Right, but when I looked it up, it just said go to H &R Block and talk to a tax professional.

1:08:16I'm sure that was a paid ad at the top. Okay. So I was living in Knoxville at the time in a house that was... What percentage were you guys estimating? Well, we were planning for 30%. you put 30 % aside no no we didn't that's what we were planning to but we never did what the f***ing mean planning to for a half a decade you're not planning now I believe even less that I'm going to start making money it's starting it's starting slowly it's going to happen because I was planning and it was five f***ing years of planning f*** you planning what percentage did you guys actually set aside planning set aside none It was just - Oh, you said you filed estimated taxes!

1:09:00Well, no, we'd file the form. But you didn't pay on it! Yeah. Yeah.

1:09:12That one filmed,$400 ,000. Current debt amount,$400 ,000. Months since filming financial audit, nine. Been working full-time since the show. My kid starts public school again on Monday. Paid back my loans from friends. working on rebuilding credit and saving for a property. My name is Logan from San Antonio, Texas, and I'm 21, and this is Financial Audit. Yes, it is. This has been interesting the few minutes I've been in the room. When I saw you from afar, I thought you were either a they-them making me my coffee or just straight up lesbian. Oh, yeah, that's incredible. He has birthing hips, for those who don't know.

1:09:52Maybe you want to stand up and give us a twirl? Happily. I think I don't have birth in here. Oh, this is why I saw it afar, because he has so many things in his pocket. So when I saw him across the studio, I was like, all right, we got a lesbian. Yeah, big-time lesbian vibes. I love a lesbian. I'm a big-time woman lover, so I'll take that. Yeah, unfortunately, I just have a straight dude. Yeah, it's not as interesting. No, it's not. Everyone likes good lesbian mix-up. Yeah, we love the lesbians. We really do. She was hardcore with it, and the worst part was I had to wake up for work the next day, and she was yelling at me until like 2, 3 in the morning, and that's whenever she poured water all over the bed so I couldn't go to sleep.

1:10:28Why were you with this woman? I've never been with someone that has done 1 % of these things. And then she punched me in the head twice. She threw all my shit, broke it, smashed my alarm clock. I'm calling her in the post show. You can't. She blocked me on there. She doesn't want to talk to me. I have a phone. She doesn't want to talk to me, bro. She won't. I will. Plug it in. I only had time to do the essential parts. I was limited by print time. It says hammer. Hammer that dollar. Oh, sorry. Yeah, yeah. It's incredible. The money.

1:11:07Yeah, yeah, yeah, yeah. So this is kind of like my whole bit is I just make stupid robotics. And sometimes I do make actual robotics for work. This is what we're starting a business with next year? No, no, no, no. No, no. The business is not this. Okay. And. That's the whole bit.

1:11:29To save you from heartbreaking the future, put your dick under there right now. Yeah, that probably would help my financial situation. Remove the little head and think about the big one. But we've all.

1:11:40Debt when filmed,$15 ,000. Current debt amount,$7 ,000. Months since filming financial audit, two. Not going to lie, locked in. This month of December, I'm about to pay another$4 ,000 to debt. and in January, I'll be done. Heart face emoji. The excited to not have any anymore. Stupid Jeep finally got running and I'm buying some parts for it and selling it in January too. Pretty sick nasty if I do say myself. Also, something kind of cool I got my savings from zip to$2 ,500 too in these months. Also, I increased my income from$8 ,200 a month to all of the last three months I've made between$11 ,000 to$12 ,000 which is tight.

1:12:20Been paying hella to the truck too. Everything on the up and up. Show was fun. A lot more people than I thought found it, which is weird, but okay, I guess. Hope all's well on y 'all's end. Take care. Hi, my name is Dom. I'm 30 years old. I'm from Los Angeles and this is Financial Audit. Sept and piercing once a week at this point, huh? Yes. Okay. I'm glad you answered yes. Are you in the casting department here? Okay. Your degree was not in substitute teaching. I know, my degree was in Chicano studies and I got a minor in film. What? Chicano studies. Hold on, I'm real white. Are you judging me?

1:12:58No, I'm white. Very, very white, I am realizing now. So I'm Chicano. Yes. Is definitely not chicken. I do know that. Okay, I don't know what Chicano is. Really? What? I'm from Michigan. I saw one Mexican my entire life until I moved to Texas. Please tell me. What? You need to go to L.A. Chicano. It's a culture. Mexican-American. And you got a degree in that? Yes. On purpose? Kind of. I wanted to connect. Kind of? Yeah. I wanted to connect to my roots. Cool. Go to a seminar. Go to a cultural landmark. Read a book. And don't get a degree that is going to determine the careers you're going into. right outside of college that you're then going to likely build for the rest of your life because you're not getting a job in Mexican-American studies.

1:13:56But I could go back to school. What the f*** are you talking about? Oh, what is LA? What is LA? No, I'm saying like I can go name a job that I could go get a non-profit. Just because it's a non-profit doesn't mean your job exists somewhere. If it's like a Mexican-American non-profit. Mexican American nonprofit doing what? What's your job? I don't know. I only know the job that I have personally. Which does not require a degree and definitely not that degree. Yeah, it's true. So you're wasting your life. You have nothing going for you and you've done nothing and you're 30. That's not true. What the f*** are you talking about?

1:14:42Your debt is only going up. Your overdressing is only going up because you can't stop spending. Like a f***ing animal. It's minimal payment. It does it on its own. I haven't used overdraft. Yes. What? Yes, you did. When? The first of last month. What is it? The first of last month. The first of last month. It's a normal overdraft. So just another overdraft? On top of the overdraft? Yes, it gets added to your little overdraft loan account. Which I've never even seen before, by the way. Congratulations on making financial audit history of something so horrible and disgusting. That is not cute. You're going to piss me off and I'm going to kick you the f*** off.

1:15:25I'm going to kick you the f*** off if you keep trying to be cute. You're not being cute. You're being an obnoxious b***h. Oh my God.

1:15:36That when filmed,$46 ,100. Current debt amount,$43 ,107. Months since filming financial audit, five. My shopping habits and gift giving habits are still bad, but I now have a budget planner that I fill in every month. The beginning of the month, I write down my bills on the calendar. It provides and at the end of the month, I write down every purchase I made so I could visually see what I'm spending and try to lower it the following month. Hi, I'm Char. I'm 42 years old from Orlando, Florida, and you're watching Financial Audit. What was your out? It's like I'm psychic. What went out? $8 ,500.

1:16:13Very good. So more? Yeah, more. I probably said more than I brought in. Okay. Well, it was$9 ,684. Oh, dang. Oh, dang it. How did I spend$9 ,000? I mean, I know how like$2 ,000 of that was spent. Here's the thing. Clearly it's f***ing debt or else you wouldn't be here honestly because you are required to have debt in order to be on the show. And that is what must be supplementing this. I see no other way. what is your life what like what is going on please tell me tell me just like what is going on no no no so listen you literally just did this before coming on the show you took that action yes walk me through that moment oh wait what did I do before we came on you just transferred to the previous card you you tit listen you just transferred because remember I had a balance of 3000 I'm so sorry I thought you were talking about the capital 101.

1:17:11We're all over the place here. And I'm already all over the place. So walk me through it. You made that decision to just do that before coming on the show where you knew you'd be called out for it, even though you yourself are saying you do not like doing it and you do not want to do it. It's a necessary evil at this point because I've gotten in the cycle. So I'm cycling through it. I'm an experienced person and I grew up Jehovah's Witness. I was in a cult. Now I'm out. White trash Jehovah's Witness cult. I've succeeded. I mean.

1:17:50Debt when filmed,$52 ,000. Current debt amount,$37 ,000. Months since filming financial audit, three. I paid down my credit card from$21 ,000 to$10 ,500. Hi, my name is Kaylee. I am 37 years old. I live in Mariposa, California. And welcome to Financial Audit. If you have bills to pay, work. Yeah. Is it better than 9 to 5? I only work from 6 a.m. to 2 p.m. So I have like the whole day ahead of me when I get off. It's pretty tits. Yeah, but that's pretty tits. Okay, interesting. But that means you probably go to bed earlier anyway. I mean, your days are just like shifted, right? I don't need a lot of sleep.

1:18:34Okay, okay. Well, that's not what matters here. What matters is if you're on the show, you're probably not doing financially well. She's a Garth Brooks girlie. She is. I was telling Lindsay actually on our call that I was kicked out of a Garth Brooks concert. What's my third one? Do you want that story? No! All right. Back to the finances. I'm fucking trying. Okay. My goodness, I have just insane notes about your spending. How you're just blowing money buying weight loss supplements from China on the gray market. It was like Ozepic. And then you started buying things to lose weight and injecting them from China.

1:19:20Then you started getting into pharmaceuticals from India. You gained a bunch of weight when your boyfriend started dating. Yeah, I did. Yeah. And now you're still spending$21 for 10 doses of bootleg Ozepic. Trisepatide. There's a difference. What the f*** are you doing? You're reselling it to your friend? What is your life? Not that bad from the day to day. It's just when you look at it from the outside, it does look pretty. When we put your life together and actually look at it, it's crazy and f***ing insane. Yeah. Yeah.

1:19:59Datwin filmed$8 ,000 credit cards. Current debt amount$3 ,200 credit cards. Month since filming financial audit, six. I already did this with Lindsay. We just filmed our check-in, but life is good. Two of the three cards are paid off. I even ran up the balance further on the 0 % card when I bought flooring because I knew I could pay it off. Sunglasses emoji. The third car is a work in progress. My boyfriend is fantastic, and still sober. My child is still in my custody, LMAO, and I'm no longer working at the crazy hotel. I got a much better and more chill job. Hi, my name is Kylie. I'm 34. Hi, my name is Timothy.

1:20:37I'm 33 and we are from Las Vegas. And this is Financial Audit. It's like I just had a full-blown seizure. This is, you know, on your guys' part because you guys have added all this extra stress to my life. You guys don't care about neurodivergent employees. neurodivergent what's your neurodivergent i i don't know what i gotta i gotta go in and get tested at some point i might be adhd or autistic he doesn't have anything i've done this he doesn't have anything and he emails the company saying you don't care about neurodivergent by the way i don't have anything you don't care no i've done the self-assessments i've been assessed with what did you take an online autism quiz yeah oh that's like the harry potter house assessment quiz.

1:21:20Those are so nothing. All right. Well, I know how my brain works and it's f***ed up and I don't think it's normal. So I find it neurodivergent because I'm not neurotypical. I feel like you went down the rabbit hole of self-diagnosed forever. Now you had a seizure. That's something. But come on. Self-diagnosing brain. They go get diagnosed you 10. Yeah, I need to. I've been dealing with some other. This was multiple years ago. No, it was like two years ago. And I've been dealing with other. What is wrong with you guys? What is wrong with you? Discounts at Disney? We weren't discounting at Disney!

1:21:57We DoorDashed Dunkin', DoorDashed Dunkin', DoorDashed McDonald's, went to McDonald's, DoorDashed Dunkin', DoorDash Pizza, DoorDash Dunkin', DoorDash Dunkin', DoorDash McDodald, DoorDash Dunkin', DoorDash Wendy's, DoorDash Jersey Mikes, DoorDash McDonald's, Etsy! DoorDash Double Dash, DoorDash McDonald's, DoorDash Doordash Wendys Doordash Duncan Marcy's Doordash Duncan Doordash Duncan Doordash Duncan It is 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 24 Purchase on this card and now one of them was considered a necessity They were all in fact completed BOTH

1:22:46Debt when filmed,$51 ,000. Current debt about$45 ,000. Month since filming financial audit, six. We started with a budget right away, canceled out DoorDash accounts, paid up all credit card debt, and started saving. We currently have two months of expenses saved, working up to six before starting a self-directed investment account. We went on a family trip to Disney World and saved before purchasing tickets, so we had no debt to come home to. And we talk about finances a lot more often. Hi, I'm Nicole and I'm 38 years old. I'm Sam. I'm 39 and we are from Northwest Arkansas. And this is Financial Audit.

1:23:22Guys, I'm excited. I love a good couples audit. Thanks for coming down to Austin. Nicole, you're the one in front of me. So let's start with you. What do you do for a living in Northwest Arkansas? I do only as a foot model.

1:23:41That kind of makes sense because you've certainly aged out of normal LF. Yep. Okay, so a sex shed, I guess, is our goal. Instead of paying off$48 ,000 of bad debt, why does that make sense? Can someone walk me through why that makes sense versus the priority of bad debt? More custom content, me being able to sell off some of my collection. Sell off? Yeah. Yeah. So having the shed is going to allow you to sell off the content? So right now, if I want to sort through my cards, I literally have to unstack those 5 ,000 boxes and take the one that I want and put it on the bed and sort in the lid on the bed.

1:24:21But if they're on the shed, wouldn't they take away space and ruin the space for content? No, I'd have a table to spread them out. But yes, I mean, that would take away room for content, but that's a pretty decent-sized shed. What kind of space is needed for it? Then I would assume you already—how does the 1 ,600-square-foot house not have a corner? Because, like, an actual private corner that is not loud and have other sounds. So if the kids see Mother walk to shed, they know she's getting her freak off. Well, a lot of times I won't do it. Like, I do it when they're in school and stuff. Well, is that not the answer then already?

1:24:57I mean, school just started back. I know, but if we only do it while they're in school, because you can stock up for the summer. I mean, content is easy to... No, because that's the thing. I get too tired and I don't want to do it. Feet. Yeah, but it's a lot harder than you think. Okay. Setting up in my little area. I'm going to let you know. Believe it or not, I know a couple things about content. Yes, you do. And this is a really big production. Yeah. Mine is, I do it all by myself. She does it all by herself. And I'm a perfectionist. I never did that. I believe you did. For an endless amount of time before I was able to bring out people.

1:25:33Absolutely. But did you have kids that were around you? No, but you said they're in school. Yes, but it's also like with my mom and the dog and all of that, trying to clean the area, get the lighting. Dog.

1:25:48Debt when filmed,$46 ,000. Current debt amount,$38 ,000. Months since filming Financial Audit, five. Enrolled in a debt consolidation program that lowered my interest rates and consolidated to one monthly payment. No longer have revolving credit card balances and I'm working on selling most of my MTG collection. I am keeping my decks and buying singles if I build new ones, but selling my collection of cards. Hello, my name is Natasha. I'm 29 years old. And I'm Oscar and I'm 32 years old. And we're from Phoenix, Arizona. And this is Financial Audit. I'm going to go three, two, one point on point.

1:26:24I want you guys at the exact same time to give me what you think your financial score is. Zero to 10, zero being the worst, 10 being the best. Okay? Okay. Three. Trace. Dos. Uno. Five. One. Almost at the same time. You're... Why, again, why five? Why do you think you're middle of the road? Caleb, what if you, okay? I think everybody has debt. Okay, that's not true. But yes, Americans love debt. I think that... I really think that I try not to spend as much or try to, like, do everything I want to do. So I try to hold myself back and not spend as much. I think she lives in a very optimistic world where she thinks that, you know, everything will magically just work out itself.

1:27:15Like she doesn't care about the numbers, like what the numbers are showing. She just thinks everything is just going to get resolved out of nowhere. I will say, because I know immigration is such a hot button topic right now in a non-controversial way. because obviously every country chooses or I guess, you know, wants to choose who is coming in and out. You're the f***ing, like, you're the f***ing dude because we have a declining birth rate. If people are going to come here, I want you. This dude's coming here, working 40, 50, 60 hours a week, grinding, adding to population increase. You know, f***ing that's what I like.

1:27:53I like people who are f***ing coming in and then they're like, oh, I love America. I'm going to work. and, you know, contributed to the overall culture. I love that. Good job. Thank you. You. Stop. You're so bad. No, you're okay. I promise I've always had a job. I'm a hard worker. We've always gotten fired from a job. Just this past couple years because I had really hard losses. I promise. Are you guys protected right now? Yeah. Currently? Under the current system? We have a work permit that we have to renew every two years. Yeah. As long as we don't get like any felonies or tax evasions, anything like that.

1:28:33Debt when filmed,$100 ,000. Current debt amount,$77 ,000. Months since filming Financial Audit, two. We participated in October. The biggest advice we received was to get rid of our truck. As soon as we got home the next day, we went and traded in the car for a$15 ,000 family SUV. We paid off two accounts and we are working on paying off another account of about$1 ,500 after the holidays. Oscar will have a lot of days off as he works in construction and they do not pay for days off for holidays. We have to make sure we will be good for the next month before we try to pay another thing off. We are only getting one gift per kid and no gifts to each other from Oscar and I.

1:29:13Thank you for all your guys' help. Hi, I'm Taylor. I'm 31 years old and I'm from Austin, Texas. And this is Financial Audit. Like when you lose that income. Totally agree. It's been seven months. Fuck off. Seven months is not a lot of time. Seven months is a lot of time. And especially when you have kids. Seven months is a lot of time to make seven individual budgets. You don't know how expensive kids are. I do. It is math. It is numbers. It's not math. It's not math? Okay, it's math. The numbers around kids are not math? You can't just label like, oh, it costs 10 grand a year for each kid. Like, whatever.

1:29:44I don't do that. I budget based on the household. Have you ever watched this show? Or are you just a moron? I know everyone that comes on the show watches the show. so you're either just a dumbass sitting here trying to make an argument that doesn't exist. You're trying to fight an argument that I've never made. I've seen like three episodes of your show. I didn't even know really the show until my friend told me about it. Okay, you've seen three episodes. I think you've seen a decent amount of the show. Yeah. Doesn't change that much. Kids and what they cost fluctuates. Our numbers and fluctuates and guess what?

1:30:12You put that in budgets. Yep. Late payment. Who would have thought? $41. Fee. $32.75 interest.

1:30:26You've had three late fees this year. But none have hit my credit. Doesn't matter. It's more money you owe, you dumb. I've never. Thousands in interest and fees. I have never paid attention to that. Why? Like, I guess just ignorance. Like, I just don't. Ignorance? Yeah. In what way? Well, ignorance of like... You didn't even know it to look? I mean, I know that there's interest being added to it. I know that there's fees, but I'm not looking. I don't know if that's ignorance. That's more willful... Yeah. Yeah. Taylor Swift shop. You. It was all necessities, guys. PayPal on out$9.50. Fan fix. Fan fix?

1:31:11I think that's like a... Good material? No, like a subscription on Amazon for something.

1:31:22Debt when filmed$530 ,000. Current debt amount$85 ,000. Month since filming the financial audit? Two. I transferred the mortgage back to my ex-husband and moved into a rental that is$1 ,000 a month cheaper than the mortgage. I'm using the extra$1 ,000 a month to pay down balances and get caught back up. Hi, I'm Aubrey. I'm 27. I'm from Johnson City, Tennessee, and this is the financial audit. You're right. Bills will always be there if you don't pay them. Why don't you pay your bills? I'm not paying them because... I don't know why I'm not paying them. I should pay them. That's not an answer. I do pay on them, but when it gets to this point, I just feel like, oh, I'm just not going to pay on it anymore because what's the point?

1:32:06I'm already screwed. What the fuck are you talking about? No, no, no, no, no, no. You pay, you make progress, you get out of it, and then you're not screwed. What do you mean? But I where I live paycheck to paycheck it's so hard You don't have a paycheck what paycheck are you paycheck to paycheck with you don't have a paycheck? You don't make money for now. I don't but I paycheck to paycheck your around around your friend to friend Paycheck to paycheck how would you actually make a paycheck and I'll be proud oh I am irritated I am irritated oh okay. Oh try to not Not a statement, not a question, not a but.

1:32:46Answer the question, please. Please. Please. Please. Please.

1:32:54I mean, the credit score that I have now is not good, but it's better than nothing. Are you kidding me? Can you not answer my question? Can you seriously not answer it? Are you incapable? No, I'm capable. Capably answer it then What credit Are you planning to take advantage of Like right now I don't Okay I don't know I just think that Any credit is better than no credit If you're gonna take Advantage of credit Okay well what if I close some credit cards But then keep some open Not close all of them Do you understand why I'm saying to close them Because you can't control them You spend on them.

1:33:39They're above the credit card limits. You're not making your payments. You are not a credit card person You cannot have access to them because The credit industry is bending you over and you are not taking advantage of them They are taking advantage of you. You in no way whatsoever are getting any benefit They're getting all the benefit and rewards that they seek and they gain off of you. They are taking advantage of you

1:34:07debt when filmed$35 ,000 current debt amount$19 ,000 months since filming financial audit 19. I realized after coming off of the show that I didn't care about my finances the way I should have long before I barely skated by and was on the path to be a slave to the lender for the rest of my life so I began to shift my priorities and realized getting on a debt meant freedom I had mentioned I wanted to travel, but how could I live in the way I was? I decided to accept the feat with my credit cards and realized there was no way I could ever win. I was living out of my means, which meant I either needed to start grinding to make more money or lower my expenses slash shopping habit.

1:34:44So I did both. I consolidated my debt, closing all of my credit card accounts. I found a way to live rent-free for four months to save money, worked 14-hour shifts serving tables at two different restaurants, and stopped spending on meaningless things. The only active debt I have as my car and I'm on track to have it paid off the first of the year. I was naive to think if I never made a change, I would eventually find my way out. That would have taken more years than I have. Now I stand a chance and plan to be out of debt by the end of the coming year, if not sooner, completely. So thank you so much for all your help.

1:35:15I might not have listened at the time, but I sure hear you now. 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 also 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 starbucks is bullshit and a waste of money and you already know that by making your coffee at home and investing the rest.

1:36:00So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is gamersupps literally the cherry flavor is insane listen you can also get free samples to see if you like it or 10 off your order at gamersupps.gg or click that link in the description below type in code caleb hi my name is rosa cutting that off this is you guys have broken records we have just i need to get into this episode like legitimately right now because this is the biggest stack of paperwork I've ever seen in my life.

1:36:46Listen to this sound. This is insane. So we got Sam, we got Rose at 2726. San Antonio, that's wonderful. But I need to start this thing because we're going to be sitting here for like four. How in the world do you guys have so much paperwork? Yeah, there's a credit limit of 3 ,700. So f*** you. Yeah. That one was for the house. like when the house payment came out like it used a credit card essentially for the house payment basically yeah uh when can we not afford a mortgage when we're using a credit card to pay for it or also maybe we don't spend half of our income on literal bull yeah so why why was bull more important than a mortgage guys why was it i think just the spending got out of control

1:37:40Maybe I just need to give up all of my morals And just be In the business of giving people Like 50 % loans Cause apparently there's people Out there like you if I just ask you If you want it you'll take it Cause you'll take out Any debt That is presented What? open derogatory oh oh no no no no wait wait pause pause so pausing so that one was that one was four years ago okay but they keep like putting it on my credit yeah no it was four years ago but i don't want to pay that one why it was it was like it was like some family stuff and i know they fall off after seven years guess what guess what guess what guess what you still out okay yeah whether or not his family stuff so i i have tried to call to see if they'll lower it and they gave me half off but i just don't know if it makes sense to pay it off if it's gonna fall off in three years so i did want to ask you about that one that's not my top concern out of all these okay it's not

1:38:49debt when filmed 105 000 841 current debt amount 21 158 months since filming financial audit 14. Since being on the show, life has been wild in the best way. Our income literally doubled. We went from 6 ,000 hours a month to 12 ,000 hours a month, and we're on track to hit around 17 ,000 hours monthly next year. Our debt payment dropped from, well, actually, I'm reading it right here, but I think instead of reading it, we should actually see where they stand in a video format. Let's watch that.

1:39:23All right, well, welcome back. You guys have done this a few times now. Everyone knows you. Everyone's cheering for you. You guys were in the original Fat Stack week. And I popped into your live stream a couple weeks ago. You were live on TikTok. You were talking about your debt journey and everything. And earlier that day, earlier that week, Lindsay, you know, she kind of whispered to me a little like, you know, a good follow up is coming soon. Something exciting. and I was like, okay. So I popped in your TikTok and I was like, I heard some good news is coming. So I'm excited to see what we're doing, okay?

1:40:03I'm excited to see what we're doing. I don't even need to do a full recap. You know, we did the intro and everything. The thing is, you guys came in with one of the worst overall numbers financial situation we have seen because it was beyond f***. The original Fast Stack Week, we've done two Fast Stack Weeks, I think. And it took us forever to get through that document. You guys were ruined. Where are we today? I would say we're just about done with that journey. Just about done. Just about done. I feel like we did all necessary steps. We've been more disciplined. We've been following the guidelines, watching all our bad habits, cutting out the gluttony, things of those nature, no more birthday months, things of that nature.

1:40:45Birthday months, kill me now. I haven't even heard that term in a second. I feel like we're right there. I feel like it's not going to be too much sooner. I mean, and then I also feel like the last thing we just need is just a little bit of advice on a couple of things here and there. Just some tips and tricks about maybe kind of moving up in the world, seeing where we should invest and charity, things of those nature. We're almost to that conversation. Freedom. That's exciting. Freedom, yes. That's exciting. Yeah, freedom. What has it been? It's been a year, year and a half? No. Since the initial?

1:41:16A year. A year. Just a year. Wow. In a year. And you say we're almost there. What's left? to what do we have to get to to get over that hump to completing this part of the story? Because it's a part. I think the last thing would just be that time share. Yeah. That was the hefty one. But even still, we had dozens of separate accounts and documents and we're blasting through those and only one left. That's insane. After a year, that's insane. Yeah, just about. We have a couple more, but I think we're on to different things. So I feel like the goal was to be credit card debt free, but then the more we're learning about finances it's like I hear when you say well I still have student loans and I think people would want to just completely kill all the debt that they could their mortgage their car but then I realized that you could put your money elsewhere yeah so I was hearing that and I was like well why does he still have student loans but then that's when you talk about the interest rates and being able to put your money in investing and other stuff so now Now I'm like, well, is the goal to pay off everything that we have or is the goal to put our money elsewhere to set us up for success?

1:42:25So I think that's where we're at right now. Okay. Okay. Very cool. Now, which one in here is the timeshare? Because I want to make sure I don't lose that because we are going to blast through this because really these are just all paid off accounts. It's like, what's even the point? Like, okay, great. We have a paid off synchrony. Woo. Yay. Okay. So synchrony is paid off. That's great. City,$0. Oh, no. Okay. $0. and okay, well, City Custom Cash does have a balance. That one's paid. Okay, City Custom Cash is paid. So I guess no balance. American Express, paid. No balance. No need for this. Get out of here.

1:43:01I love that. Look at that. Just a year. American Gold. American Gold paid off every month. So it doesn't matter because, like I said, you can transition to a credit card person. And you guys, it sounds like you did. I see$0 on Apple Card. Don't need to see this. Remember when it took us like two hours to get through this originally? Yeah. Well, not this time. And there's, you know, there's Sephora and Papers Plan a vacation club, but that all of a sudden is not a bad thing when our finances are good. I give people more fun money to spend than almost any other financial program I can think of. Only when you're out of the risky position of bad debt, right?

1:43:38Chase Auto. Okay, so we kept the car, but it's at a 5.17. Yes. And we could pay it off if we wanted to. So I'm okay with that. Yeah. And so I'm okay with that. It is a balance of, yeah, I mean, it's under$3 ,000, so I would minimum until it's paid off. This looks like, does this still have a balance? Amazon Chase. No. Gone dead. Perfect. Love it. And this was, yeah, okay, well, here it is. Look, here's her written down debt summary. Zero across the board. I'll set that aside as we keep going through here. But, okay, Discover Zero. I want to see that. Yeah, that one we paid off, but we actually did a balance transfer.

1:44:14for the timeshare. So the timeshare was at a 12.99%. So now it's on the Discover. And now it's at 0%. Which is 0 % until? Yes. August. Okay, August. Are you doing the minimum payment that is required in order to pay it off before August? We just started. Okay, so you'll do the math to make sure it is paid off by August. With 0%. Perfect. I'm okay with that. That is actually how balance transfers should work. You did that in a correct way. You're not taking a shortcut. You did a mathematical good approach where you've put it on a card that is 0 and now you're making the minimum monthly payment required by you guys that you are setting to pay it off before 0 % ends.

1:44:50Yes. So I love that. Yes. And it was actually an open card that we paid off. So we just kept it open and then they offered us a balance transfer so we didn't have to open new credit cards or anything for that. Mm-hmm. Now this is Morgan Stanley. It is, you know,$700 in there. And I know we're starting that part of the journey next. And the mortgage, obviously, you know, incredible rate. Everything's so good. And San Antonio, I always forget how cheap it is until someone comes on with a mortgage from San Antonio. I'm like, how the fuck is that even possible? Yeah, super cheap. Yeah. I am seeing a balance here.

1:45:20Yes. It's under$4 ,000, but it's at 0 % forever. Forever. Forever. Now, obviously, just having a balance that is owed, even the low car, even, well, less on the student loans. But, okay, a low car, 0 % here. It is the risk because it is money you have to pay back if you become jobless, right? I understand that it's 0 % and we want to catch up on retirement. I do get that. But what's your thoughts, philosophy around this balance on the 0 %? I think we're stuck because we have two cards that have 0 % forever. Even if we pay the minimum payment. Yes, forever. But not that other one that we saw. Yeah.

1:45:56So even if we pay just the minimum payments, which is about 200 for the both of them. Yeah. We're going to pay it off within the time that they gave us. Yeah. I mean, this was four years. Right. Right. So should we still... Is this the other one? Yes. Okay. That's 0 % forever. Well, I'm setting this aside. Let's get the full financial picture first. Ally checking account. I don't like that we ended with 599. It's just a little low. I want to see a minimum of 1 ,000 in there, right? We have it in our savings. Ally has... But checking account, I would at least have 1 ,000. Okay. And yeah, I definitely agree.

1:46:29Everything beyond that is reporting that savings. There is some eating out, but again, that's not necessarily a bad thing. And look what you guys have accomplished in a year. I'm definitely not going to cry and complain, right? Mm-hmm. So many papers on the floor. Some cash apps and stuff. I know. So many papers that you paid off. Looks good. And keeping the ones that are alive on the table. Yes. Cash app, cafe. Yeah, I mean, definitely some spending, but it's actually not too crazy. Just lots of transactions and transfers mostly, but going in and getting some bullshit and stuff. Like, what was your guys' original Hammer financial score the first time we filmed?

1:47:03You remember? One, maybe? Two. It's crazy. One year's career. I was so excited to see where you guys are today. Thanks, you too. And remember, get your Hammer financial score for free at calebhammer.com. Take the assessment. Only takes a few minutes. See where you stand in the world of finances, where you need to improve, what you need to do to improve, or where you're already doing pretty well. And make sure you download the DollarWise budgeting app if you want to turn yourself into a success story like these two and tens of thousands of other subscribers to that app. Thank you. Download it, dollarwise.app.

1:47:32Take the free trial to see if you like it. And if you do, sign up for the annual version because I will personally sign my budget-friendly cookbook and mail it directly to you. And that is only lasting for another couple more months and then it's gone forever. I do like this. The savings of a seven? Yes. Seven, four? That's great. That's great. Now, see, and this is why I want minimum a thousand in the checking. Because you had an overdraft transfer from here. Yes. Yes. So that... Because it pulls from the savings. Exactly. But we shouldn't be overdrafting. No. because that is just a lack of managing the number that is in our checking account.

1:48:05You guys have incredibly gone in the right direction, so I'm not going to die about this, but I want this to be a learning example now of why we at least have$1 ,000 in checking, okay? Yes. That makes sense. Because the savings is there right now. If an emergency happens, savings goes away, then what happens if we only have a few hundred in checking account, right? So we're just setting ourselves. It's the layers of protection. It's the layers of protection. and with what you guys do with what you guys make checking account we should be able to have a thousand in there gotcha and you started that month actually with two so i know you can do it 13 in this fidelity that's good yeah i think the other um because we used to have 11 in our savings but i put one month in investing and we just invest in the s &p okay um so it's seven for a fully funded emergency fund i don't know if i agree with that well i thought we had one or we I don't have one.

1:48:56Is 7 ,000 a full? It's about two months. Yeah, it's about two months. That's not a full$200 emergency fund. How much do we need? Six months. Oh, no, we don't have six months. It's six months or$10 ,000, whichever one is higher. Oh, we have 10. We have more than 10. And savings? I saw seven, seven, five. The paper that you just dropped, that was an ally invest. So that's all on the ally together. But that's not savings. It's investing. But it's on ally. But it's investing. It's not saving. Yeah, but I guess I put it as savings. No, because it could lose, like we could have 40 % could get cut in a few weeks.

1:49:29Like emergency fund is just sitting there. It doesn't even need to make money. We like it to make money. You know, I put mine in my... You just went towards it basically. Yeah, I put mine in my chime checking account and everything and it gains, what, like 4 % interest and everything? Yeah, we're... No, no, no, no, no, no, no. Okay. So what does it cost to keep you surviving for a month? About four. Okay. Yeah. So yeah, you need 24 ,000 hours in a savings account that is just never touched. Aside. because that gives you the ability to do anything. If you can survive for six months, if anything happens, you can do anything.

1:50:00You can invest as much as you want. You can spend as much as you want. You can do whatever. It gives you that freedom and flexibility. That was one of our questions as well that we were going to ask you as well about that. Oh, perfect. About what it's going to be. Was it going to be either that six-month time frame or was it going to be like in terms of two months, three months, what you thought it would be in terms of that? Because we're kind of going back a little bit back and forth about what we think would be efficient enough for our lifestyle or if we want to live an upper lifestyle. Well, you'll be able to get there very soon.

1:50:28You guys are almost there. Here's the usual steps. Not everything is one size fits all, but here's typical. One month emergency fund or your highest deductible, whatever that is in a savings account. Step number one. Gotcha. Pay off all high interest or bad debt. That is non-mortgage debt. Sometimes it can be, but non-mortgage debt of over, call it 5%, 6%. but it's certainly over five unless it's federal student loans as well. Even at a 7 % federal student loan, it is still protected. There's protection provisions with federal student loans so that's not necessarily counted. We still want to tackle high interest ones but they're not the priority because they have extra protections.

1:51:06But either way, in general, bad debt. Then it's a full six-month emergency fund and then it's living our 50, 30, 20 which you guys can easily do the 50, 30, 20. 50 % needs, 30 % wants, 20 % investing. Yes. You guys are trying to live here first without conquering that six-month emergency fund? Mm-hmm. Because as far as I know, the bad debt is gone. The car, it's fine. It's just over five. And the balance is small enough. I'm okay with it. That's not fair. And then the 0 % loans, we're taking care of them before they're gone. So I'm okay with letting them sit. And obviously, the mortgage is a good loan, like objectively.

1:51:39Like the rate and everything, it's great. And the balance is fine. And the minimum payment is well within the budget. So you guys are trying to skip the six-month emergency fund and immediately move to the 50-30-20. Not having a fully funded emergency fund is an emergency because what can happen if a real emergency hits, and that's why it's an emergency, it's unpredictable. So don't just think it's not going to. Yeah. If a real emergency hits and you don't have a fully funded emergency fund, this goes from you guys almost made it over to the hill to falling all the way back down. And then you have to climb for another year.

1:52:10Basically doing it all over again for nothing. Yeah, for nothing. just because we decided we wanted to skip the step. So we're at three months right now, but we should be at six months. Just double it. Double it. And then we can really just live that life you guys are ready to live. But you guys are so close. Don't give up a whole year for just a few more months of work, right? And then everything after the six months is just gains. Just gains. Gains and living. Because actually with what I see the spending in here on fun, after that six month emergency fund is good. As long as you guys are contributing 20 % to investing, I want you guys to basically triple, quadruple the spending I see in here on fun at a minimum.

1:52:48At a minimum. I want you guys to go on trips. I want you guys to live it up within that 30%. Your 30 % stretches. When you get the freedom. What's the household income again? We're at like$12 ,000 right now. Yeah. I mean, 30 % is incredible. What the f*** are we doing, right? I mean, blowing$3 ,600 a month. Okay. You know what you can do? you can honestly I'm not even close to that we're like under a thousand so after the six month emergency fund this is just a written example where have you guys gone before? where's your craziest trip you've ever done? Vegas maybe? same? what you can do is save one month of that fund actually save 75 % of that fund money and only spend the fund that you're doing right now save 2 ,000 and then the next month combine that$2 ,000 you saved from last month's fund spent and then that entire month's fund spent, go on a three-week European vacation.

1:53:48It's like a rollover. $5 ,000. There you go. Boom. European. Live it up. Two weeks. That's kind of what I've been telling her as well with that whole process of not prioritizing the car and the mortgage stuff that's not really dead. I mean, it is. And it is technically risk, but you can get 50, 30, 20 with them. Treat yourself to a European trip. You totally can. Asia, wherever you want to go. Save up most of one month's fund money and then use an entire next month's fund money. Combine them. Do something crazy. Celebrate the end of this. But you're not there yet. Three more months of saving expenses must be saved.

1:54:24And then you guys can do this. Minimum. What's the total retirement number? Because there's a lot of retirement accounts across the board. Probably 25 ,000 right now. So that's that 20 % that you guys are going to be contributing? That's fine. that will get you to an incredible retirement by the time you guys hit retirement age. Yeah. Okay? And I don't think your needs are going to be 50%. No. So really, honestly, what you're able to do, what do you think your needs will be? Like groceries and school things and whatever. You know, what do you think needs are going to be percentage-wise? Just round.

1:54:56Yeah, rounded. Right now it's about 30%. Okay. You know what that means? Because you're going to contribute 20 % to retirement because I don't need you to contribute more than that. Now you can contribute an extra. Let's say you contribute 25 % to retirement just because you want to play catch up with it. Okay, that's great. And live a higher retirement. That's wonderful. So 30 % to 25%. Guys, you can spend 45 % of your income on. you fun whatever around living it up vacations spoiling people gifting charities you you wanted to talk charitable there you go after you got that six month emergency fund saved up if you wanted to donate your entire 45 for a month to something you would be able to totally could thousands of dollars but what's critical right now is that extra three months and i i want to make sure we do not skip that because that's where this that's where this was headed is you guys were about to skip that.

1:55:47And I want to make sure this last year wasn't done in vain because it very well could be if you are not fully prepared for an emergency. So would you do the three months and wait on the credit cards or do you want us to pay the credit cards first? The zero percenters? Yes. The zero percent for these ones that are sitting here zero percent forever minimum payments until they're paid off in general. Because honestly, like, okay, because you'll have a six month emergency fund where you can tackle them if an emergency pops up. and then the other one that's a 0 % until August, you need to do whatever minimum is required to pay it off before then.

1:56:22So that's what you guys are doing. The minimum payment on car until it's paid off. Minimum on mortgage. Until all that. Because we're putting like$5 ,000 at least a month towards our credit card day. No, no need to anymore. Okay. No, get that fully funded emergency fund. Then if before you guys want to live it up, you want to tackle the credit cards just to tackle the credit cards, you can, but I don't need you to. And listen, if you'll be at 30 % living and 20 % retirement, maybe take an extra 5%, 10 % and throw them towards the cards to pay them off early because you still get to live 35 minimum percent towards fun, which is incredible.

1:56:58It's better than almost anyone in the United States actually gets to, other than those who are just going in debt. So you can pay them off quicker, but you don't need to like speed run them. You just contribute like quadruple what's required. Yeah, the security. It feels kind of similar to the car right now because I see the balance and I pay it monthly, but I can see that we could pay it off if we wanted to, but it doesn't bother me. Exactly. Listen, you guys have been in stress mode correctly because you guys were dying. Yes. On the Walmart floor. You were headed towards the place of, you were in the place of, that stress is not meant to continue forever.

1:57:32You're about to enter the live mode. Okay. It's not meant to permanently put you in the place of freaking about your numbers. You sit down, you budget monthly, but you get to tell your money where to go. You don't need to freak out about the debt anymore. Not anymore. The emergency fund, yes, but only for a few more months. And then you don't. Because that's set in a savings account that honestly I'd put outside of Ally anyway. I don't even want it to be connected to your checking account. Yeah, it does. Maybe keep$1 ,000 in Ally just in case you accidentally do the overdraft thing. Yes. But we shouldn't anyway.

1:58:04You should have enough in your checking account. Why the tears? I don't know. I think I'm just like, I think we've been trying to do this for so long. Yeah, you have. Thank you. You're in the place of f***s and you have put in the absolute grind and work and sacrifice. Maybe that's what it is. Yeah. The relief. And I'm sure you guys have seen it together and have had these conversations together. But you guys are on the part of, well, honestly, so much to celebrate, to be clear. and you're about to be to the point where it's full celebration only, right? So take the moment, be happy. You guys have gone through the financial audit journey that this is here for, you know?

1:58:50The show's goony, the show's fun, the show's roasty, it's a good time. But at the end of the day, this is where we're meant to get. For more people, because not everyone has a strong income as you guys. You guys are in a very blessed position. We can acknowledge it. No, we do. That also doesn't mean that doesn't take anything away from what you guys just don't want to be very clear. But for other people on financial audits, it's going to take them four or five years, right? That's where we were at. But you guys were able to do this in one, and that is incredible. Yeah, we've doubled our income monthly because we were at six, and he's gotten three raises since just a loan.

1:59:24And then we picked up side hustles and stuff, so that helped. Which shows two incredible things worth celebrating. One, good job on the work, and they're seeing your value. That's incredible. Yes. And two, it also shows that you guys have learned the skills from the show. Because a lot of the time, what would you have done before you came on the show? If we're being honest, more money would have come in. Even more money would have been spent. Yes. You'd have doubled the den. So that's incredible. Showing that you guys have actually learned something, executed what needed to be executed. And you're living it up.

1:59:55You're living it up. Few more months, guys. Few more months. Then pop those champagne bottles. Take her to a$1 ,000 dinner. I'm not even kidding. She wants to. That's what she would like. Yeah. Take her to a thousand hour. Full bougie night. Full bougie night. Go crazy. Okay. Or if he likes the strip club, take him to the strip club. Thousand hours in once. Throwing them. Okay. Have fun. Yeah. You're almost there. Almost. You're almost there. Now, you told me before the show. I have a resume because you don't like your current job. Tell me about it. Yeah. they're the way that they're running things they're not hiring internally anymore so i feel like i'm basically stuck as a seller one and to even get to a seller two they'd rather hire from other companies right now because they think that they shouldn't hire internally but i'm also to where i don't know if i want to do sales or not yeah because i was doing the i am doing the taxes and the credit repair and the finance industry.

2:00:56So... Well, your resume is definitely catered towards sales, especially with this last job. The last job, I do like that you've at least been there for over three years now, three and a half. That means you're able to translate that to another position. You know, if you were under like two years, they'd be like, I don't know, what are we doing here? It also shows that you do stick places. So there's some qualities here. Unfortunately, if there was one concern, it's that the jobs before it were kind of retail, right? Right. So the two jobs before your current job is retail. I don't think it matters as much because you've been at your current job for three and a half years.

2:01:29However, what I might do, though, is curate more to this resume to your current job. OK. And maybe take a couple bullets away from that middle job. Well, actually, no. The middle wasn't retail. The last one was, though. Yeah. OK. Yeah, you're right. Because, I mean, it reads like retail. But once you dive into it, you realize it is more of a sales position going around. Okay. Let me look at these skills. Tricky one. Because I know sales makes money, but I don't... Well, this is hyper-geared towards sales. Yeah. I just don't know if I should stick with sales. Well... Or if I shouldn't. And that's what getting rid of all the debt and having a fully funded a emergency fund gives you a flexibility to take a lower income job as you're getting into a new career field to try to go up the career ladder there.

2:02:11Because... Smart. If we're being honest, if you change industries, you might take a pay cut for a little bit. But that's okay if you guys are debt-free outside of the mortgage. Yes. No, before, okay. So actually, this is what I would personally do, right? Okay, if we fully want to get out and rid of sales, then this resume is like, okay, what are we, you know, this is geared towards sales. You're going to have to gear whatever next resume towards taking skills you had from these jobs to getting in that new field. Maybe we're getting a certification on something, of course. But grind to get the fully funded emergency fund and then pay off all three cards and the car and then - Move over.

2:02:48And then, yeah, aim to get this other job. So before we take a potential pay cut or take a potential risk. Knock that out first. Yeah. Kill all the debts outside of the mortgage and the fully funded mercy fund. So that means a little more time and a little more lack of full celebration onto the gate. Like, yes, obviously mentally celebrate, take some of the stress off, but you're still kind of a little bit into attack mode because it depends. What's more important? Being unable to start living our wants more or are you switching career? Where do you weigh? There is no wrong answer. It is up to you at this point.

2:03:21What takes priority? Do you know? Maybe you don't know. I don't. Okay. Well, have conversations with each other, conversations with yourself. Maybe even take some career assessments online. After you can answer that question, then determine what you're doing. You know, you don't have to go full chaos, you know, just shooting from the hip endlessly to pay all this off if we want to start living fun after emergency is fun. But you can. But if we want to switch careers, then we need to tackle the risk. So the only thing, too, is that we're not going to do it anytime soon, but we do like a house. That's three times the amount of the house that we have right now.

2:04:00Well, that's okay as well. I would, again. Because monthly, if we were where we are at monthly, we would be able to afford it, but I know we shouldn't. Well, listen, you need to answer, again, house or job. What's more important to you? I don't want to be at my job anymore. Well, there we go. So that wins. And so the house thing works, but let's get into the new career field, which requires us to get rid of the risk. So risk done, new career field, and then we shop new house based on whatever our finances, our household income looks like with the new job. Because you would want us to be the 50-30-20 with the new house too.

2:04:35Yeah. Okay. Well, yeah, because it shouldn't be 50 % mortgage, right? No. Needs is needs. It's everything. It's food on the table. It's utilities. It's insurances. It's, you know, school activity. It's whatever. you know that is needs mm-hmm so maybe since you look day to day mmm so fully funded emergency fund tackle these debts outside of the mortgage and then career change career change and then shopping for house based on see where you had after all that's done okay punch those numbers yeah but you guys are in a much better place and you guys are starting to conquer the fun things now hmm the fun things having the ability to change a career if we don't like it yes going on a European trip if we want to.

2:05:16Okay? Yep. Putting our face in a big pair of tits at the strip club. Got it. With lots of ones. You both can do it at the same time. Share the same pair. Yeah. That makes sense. This is the good part, guys. You guys have done incredible. Those are our biggest questions that we had. Yeah. You guys are doing incredible. Thank you. Any other questions? Now that we have the full picture. Those are the main ones for us that I just noticed. Oh, yes. It's right here. Mm-hmm. So the funeral plot that wasn't in our original debt, they said that if we pay it by December. How much? Well, it's$4 ,000. So then we'll save$2 ,000.

2:05:50Do you want to? I think we should because it's$2 ,000, right? You can do it. So if we pay that off first and then we're paying. It delays the emergency fund thing just slightly, but it's okay. Just do it. Yeah. It'll save$155 a month too, though. You're just putting that in the steps and I'm okay with it. Okay. So then funeral plot, credit cards, or no, the three months of an emergency fund. So that's about$12 ,000. Yeah. Well, we have three right now. Yeah. So stack into the six. And then we do car minimums, credit card minimums, or we could pay them off. We'll pay them off if you're doing the career change.

2:06:25You can do minimums if you're not. If we do the career change. Okay. Yeah. So if you stay longer, dug it out. Yeah. If you want to get rid of them because you're doing a career change. Yeah. Yeah. I don't want to stay. Well, there we go. Then we're killing our debt outside of the mortgage. You burn them out. You burn through them then. Okay. Which you guys should be able to pretty relatively quickly. Yeah. Yeah, we should. All right. Do we agree on these steps? Yes, I do. Thank you for your help. Absolutely, guys. I am so proud of you guys. Audience, give them love in the comment. They deserve it.

2:06:50You guys have done incredible. Thank you. Well done all around. Thank you. Very good. Actually, let's get your current score. Let's see where we stand. So we were one first time. Spending in a budget. We were five. I don't remember. You were definitely spending within your budget. We need that fully funded emergency fund. And so a little bit of BS. Well, we don't have it. It's not the best, but it's okay with what you guys are doing. Giving you a 7 out of 10 spending within the budget. Debt. The debt is not that horrendous anymore. We've gotten to a halfway decent debt spot of, I'd say, about a 5 out of 10.

2:07:22Emergency fund. Well, we're halfway there. 5 out of 10 retirement. Well, you said it was 25 total? 25. Yeah. And he has a two-for-one match in a couple years. That's good. definitely behind there about a 2 out of 10 though for our age and real estate yeah I mean the house situation is great

2:07:46yeah house situations

2:07:50and there's a mortgage technically that's risk but 8 out of 10 it's a good one let's see where we are today

2:07:59yeah we're rounding up even further it's going to be a hammer financial source six out of ten. Once that emergency fund's there, that immediately adds five. I mean, that's incredible because that's kind of what's holding you back there. It's emergency fund and retirement. And once those debts are gone outside of your mortgage, that score is going to go up, too, and you're spending the – like this – it takes a few months to change before this goes from a six out of ten to an eight out of ten. Yeah. Just a couple tweaks. Yeah, we'll get there. A couple months. Minor tweaks. Get yours at CalebHammer.com and give them some love in the comments, ladies and gentlemen.

2:08:32big round of applause for all the guests who gave their updates and for all those who have paid off over twenty thousand dollars in just a year it is awesome it is incredible you can come on in twenty twenty six listen we already got video scheduled almost through the entire first month of twenty twenty six some of the craziest shit you've ever heard of in fact when i am filming this right now the episode i filmed right before this was one of the most dramatic episodes i've filmed where I'm pretty sure I ended a relationship. Wasn't my fault. He had secret purchases. You'll see it. But stick around.

2:09:05It's a great show. And I'm very thankful for your support. We couldn't do it without you. Couldn't do it without my team. And couldn't do it without the guests who come on this show. See you in 2026. Who's your least favorite guest? Oh, yeah, it was. My least favorite person that I've worked with ever. Least favorite of the year. Oh, I know who it is for you. Who is it? Oh, f***. That was a headache. She was so f***ing annoyed. You were typing to me how much you f***ing hated her during. Even when I see the TikToks till this day, they enraged me. Because I had to stay here with them for the 40 minutes that they were here.

2:09:40Hammer 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.