Financial Audit - $1,000 In Minimum Monthly Payments Are Ruining Her Life

Episode Date: July 14, 2023

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email [e-mail] Sponsorship and business inquiries: [e-mail]  _______________________  Timestamps: 00:00 Job and income 02:40 Her finances are really bad! 04:15 OVERDRAFTING 04:30 Public 06:05 OVERDRAFTING p2 08:50 HOW CAN YOU POSSIBLY JUSTIFY THIS 11:40 She wants to do YouTube 12:55 No retirement... 18:35 DISGUSTING personal loan! 23:35 Terrible credit car debt... 25:32 I made her cry 32:25 More credit card DEBT 38:40 I'm scared for your future... 46:00 COLLECTIONS 48:40 Budget, budget, budget! 54:45 CLEAN THIS UP 01:04:40 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Hi, I'm Madison. I am 28 years old. I'm based out of Austin, Texas, and this is financial audit. Dude, I never know how old people are because I thought, like, you have young skin. Oh, yeah. It's very good. Then we've also had people that say they're younger, but they look older, so I'm very confused all the time. You're like, where are these people? I don't even know how old I look, but we're actually the same age. I didn't know that. I thought you were younger until you said that in a video. There was one video. I don't remember which one it was.

Is that because I have beautiful skills? Yeah. So, awesome. What do you do 28 years old for a living in Austin, Texas? So right now, I am working for Accenture, and it's Accenture Flex, and we do work with meta. So that's what we're doing at the moment. Well, what's your position? So I am, it's kind of hard to describe sometimes because they have,

very specific ways that you're supposed to talk about it. So. What would you call it to everyone else so that they knew what it was? No, there's like a thing that you like have to say but it's like kind of hard. So I'll just say, um, like a reviewer of content. I'll say that. Okay. It's like very. Oh, to see if things are bad.

Yeah. So I look at like some. Honestly, it's, I'm good. I'm good. Not anything terrible. Like no like murder. But like definitely some funny stuff. that maybe somebody might be offended by,

and maybe it shouldn't be on the platform. So not terrible. No, that's not bad. What do you make right now? Currently, it's at $22 an hour. How many hours a week do you work? 40. Guaranteed?

Yeah, we have to. Ever higher or any lower? No. Okay. So whenever you make that, like, with the days, sometimes it's 20 days, sometimes it's 22, sometimes it's 23. So it's 3,500 to 3,800, depending on how many days? Per paycheck?

of the month because we get paid. So let's say that number one more time? 3,500 to 38. Yeah, it's 3,500 to 38 before taxes. And then once taxes come out, it's like 3,000 to like 32, 33 somewhere on here. We'll call it like 31 then. Sounds good. Yeah, a little more conservative side in terms of that upper number.

But okay. If you're living in Austin and that because like with the rent and everything with where things are, it could easily be 50% of your income. So, like, how are you feeling living here? Yeah, so I actually don't mind the pay. I think it's okay, especially since I do other things on the side. However, with the way that I have set myself up financially, it's not good at all. I use my entire paycheck for bills.

So everything's going out immediately? Yeah, pretty much. So, like, and I have this, like, kind of anxiety. So every time I get paid, I just want to, like, pay every single thing that I possibly can so that I don't like worry about it. I don't like I'm still necessarily bad I know I'm still a little uncomfortable like seeing money like in my account because I used to have like a pretty bad problem with like spending it I'm getting better but I'm still working on it well that is definitely not good then I guess in that case I'll ask the question you know from your own perspective how do you see your financial

situation in general um I mean if if I could scale it like one to 10 with no other, like, um, Lendick, no positive attitude or anything, because I feel like I have a pretty positive attitude, just be realistic. Um, I'd say it's like four out of ten.

Like, it's, it's not amazing, but it's not all the way at the bottom. I can still climb. The last time someone gave themselves the score ended up being like three points lower. So,

okay, so I'm out of one, maybe. Okay. I'm just kidding. Well, we'll see. I mean,

I don't know. I mean, all I know is that in your checking account, $22? Yeah, that's usually what happens. And we started with $19? It's not good. Do you have automatic payments? For some stuff, but not everything.

That's where it gets risky, though. I know. I try really hard to make sure. But you can actually see on one of these pages, I never go over, but there's two times that I actually did go over. It's red on here. I think it's on this one. Yep, right there.

So you overdraft it. So I did make a mistake. However, I wanted to take a brief moment to thank today's video sponsor, public. If you're like me and you like to set money aside where you're saving up for a big purchase, like a down payment on a house, then being able to earn 4.7% on your money through government-backed treasury bills could be even high-yield savings accounts. And unlike those traditional savings accounts or high-yield savings accounts, these treasury bills are at a fixed rate so you always know the return you're getting. And unlike those traditional savings accounts or high-yield savings accounts,

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fix your situation within 24 hours, they don't charge you a fee. Did you fix it in 24 hours? Oh, yeah, for sure. Yeah. I have. It's still so risky. I know. I know.

And what confuses me? Okay. So we have a dollar in savings. Yeah. Like, okay. Oh, that's just. just because I actually don't use that savings account. I use a different one.

But what confuses me here, if we know our financial situation is bad, if we're trying to get out of whatever, we haven't even looked into the debts, but I know there's a lot of documents to go through, if you're overdrafting, why do we have subscriptions to Dropbox and other Apple subscriptions? Why are we going to McDonald's and a mocha nut thing and Cracker Barrel? And, you know, let's see. the hideout pub, Popeyes, baskin, Chipotle, and other Apple subscription for ICloud, and getting pizza and Schlotskis and ice cream.

DoorDash. And why are we possibly? I don't DoorDash. That's me DoorDash Inc. I swear. Huh? It's a plus. Like, I do DoorDash.

Oh, that is a plus. Okay. I swear. Thank you. I don't believe in DoorDash. Like, even though I do it, I don't believe in it because it's so expensive. It is. It's way to.

Well, can you explain the rest of these? Yes. Yeah? So some of them, like, I do feel like it's okay to buy like every once in a while. Some of them were actually like for the YouTube channel. But is it okay to buy every once in a while when you're overdrafting? Yes, you fix it within 24 hours. Good, but you did it.

You have no money. Yeah. How can we possibly say I can afford this? True. Because you really can't. Especially because we do see here in here at the same time. Again, another Apple subscription. Oh, yeah, that's for the YouTube channel too.

We have two car payments. I promise it's just one. We have a care credit. No, I know, but there's two payments on here. And we have a care credit thing. No, three payments on here for the car. Yeah. So if we're doing all this,

and some of these weren't even for your YouTube channel marked as YouTube. Only three of the food things that I ran out were marked for the channel. So the other ones, which is both. Yeah. But you can't afford. True. So why are we doing that? I mean, you tried to justify saying you think it's okay.

Do you think it's okay, even though you over drafted? I do think it's okay, but I usually don't over draft. That's the thing. I don't care if you usually don't. You did. I did like all my math for everything, and I thought I had it right, but I think I just accidentally, like, wrote it incorrectly because I never overdraft, and I don't know why I did. You did the whole math and everything.

And if you are making three car payments, obviously there's debts that we'll have to go into and there's a care of credit thing. If you're doing that, then how can you justify going out to eat and all these things? Instead of putting that money towards the debt. I get it. I definitely do. I put more money towards my debt like every month. I mean, it's just not like since I do have like the YouTube channel and if somebody like, I don't always make a video like every time that somebody comes out with a new thing. Like let's say that like Chipotle, they just came out with like their new meat. Okay. So you have a YouTube channel. You review some Yeah, so I try not to do every single one.

Link in the description. Thanks. I try not to do every single one because I understand that it's not something that is okay. But I try to do it every once in a while. I try not to do too many. Looks like a couple times a week. Yeah. So.

This also isn't healthy. Yeah. And so that's why. We've seen someone that did this exact content die recently. Oh, yeah, that one guy. I think I saw that on TikTok maybe. Is that who you might be talking about? He died because, and then, you know, you're here.

We got these chicken tenders. And I mean, of course, I'm saying this. And I know I have wait to lose. But either way, we know it's unhealthy. Like we're getting R&B steak and fries. We're getting donuts and Jersey mics. Everything. There's not a one.

Okay, here's one healthy thing, a Chipotle chicken El Paso. Yeah. So I usually. And you're doing some muck bangs as well. So, like, I mean, that's unhealthy in general, just overeating. So my muckbongs, like, they're not like overeating kind because I think they're like, I don't really like that kind. But I would say the review is more like, hey, this is what I think about like this food. And then a muckpong is more like, hey, here's me talking about like my life.

But I do agree with you that like the, there is a line with like the health. Yeah. So I just recently started doing it less and then more like cooking at home. However, since I just started a new way to make money, I haven't really had time to film it. Rover. Oh, okay. Yeah, I make a good amount of money with that so far. And I'm really happy with myself and how I'm working towards it.

And I actually wanted some like advice about how to allocate the funds for that. Because I'm wondering if I should do like a percentage per month of that toward like my. my debt or should I just save it all? Okay. Since it's like extra income. We'll have to look at the entire situation, probably debt, but we'll have to look at the entire situation. How much you bring it?

You have over a thousand subscribers, so you're monetized. How much you bring it in on a monthly basis from the YouTube? Not yet because I don't have the view yet. Oh, you don't have the $4,000 in public wash time within a year? I'm still working on it. It's within a year, right? Or six months? Yeah, it's 365 days.

Like whenever, I think right now it's like half. So I don't see that really bringing anything in until like at least another year. Go give her 2,000 hours of watch time. Please. And also, subscribe right here. Love you. Thank you. We're trying to get to, what, like 500,000 subscribers?

So, yay. Your channel is going, like, I found you whenever you were, like, 80, and I'm like, well, how did he get this? I've been very blessed. Everyone's incredible. I feel like I do not deserve it, but thank you to everyone. I feel like you do. Like, you really do a lot of stuff to help.

I mean, I haven't watched that many of your videos because I just, you know, found you not too long ago. Well, let's see if you feel, let's see if you feel that same way after I yelled at you. I'm right. Because I have a feeling there's some debts we need to look at. Yeah, so if you'd like to understand completely about how stressed I am like underneath, $1,000 a month goes to debt besides my car. That's a third of your income.

Besides your car? Car is debt. Yeah, let me open it real quick once. Open what? Car is debt. No, I have it like all like written. Okay, well, before we do. that. I wanted to look at one other account you had. Robin Hood. So $52. So nothing. Okay.

So any of the like investment accounts in there is me kind of like, it was, I don't want to say the word. I'm going to say because some other guy said this and it was not good. But I was kind of like playing around with it trying to figure out how to use it. Like I wasn't exactly sure. I've been trying to teach myself stuff. Like ever since 2018 when I saw Graham's channel for the first time. I've been trying to teach myself different things. So I have like an e-trade account. That did really well for a little bit. It's kind of like just hanging out right now. I try to teach myself Robin Hood. I try to teach myself Weble. But why are you doing this right now when you have bad deaths? So I'm not doing anything at the moment. I just left everything in there.

Like I completely agree with you. It's from like before. Your high yield savings has $77. Yeah. That I was putting stuff into. But then I realized I should just do like everything I can to put like as much toward the debt as possible. So that's what I'm doing right now. And then Yoda. Yoda. Yoda. Have you seen that?

No. Graham recommended it in like 2020, I believe. Well, you have 158 in there. So we just, we're having all these accounts with like basically no money in it. Yeah. So I still put stuff in Yada. It's, um, I think every 25th. I think 21, 25 goes in there.

Okay. Then we have E-Trade. Yeah. $400. This one's more. Yeah. So I invested in something that did pretty well. I just can't remember what it's called because I did it like two years ago.

But it, I think it does like, it's done like $30 or $60 like since I did it. There are in just a few individual stocks. So I just don't do anything with it now. I just leave it as it is because I feel like the debt is more important. It's not well diversified, but. Yeah. It was me trying to teach myself because I don't know that much about investing. It's kind of hard.

You have so many checking accounts? Yeah. I honestly... This feels disorganized everywhere. We have like five investing accounts open with almost nothing in it. We have a few savings with barely anything in it. Now we have like three checking accounts with... Let's see.

So in this checking account, started with $9. You did end with $188. Normally that's not considered good, but compared to what we've seen so far, okay, this just is just going to paint off cards and Klarna Oh Klarna great what did you get with Klarna Was Klarna was that the one that's a reversal or was that a taken out one Because I know I just had a reversal recently

They're both taken out there's two Klarna's that were taken out What month is that statement that I sent you? Is it from February or January? Because I know I sent you my statements out of weird time A mixture of both Oh okay So that's my checking account at a bank, right? I don't really want to say which bank it's up.

Okay, that's fine. Is that what you're looking at? Is that a checking account? So for a long time, I wasn't purchasing anything new because I was like, I need to take care of the debt. And then recently, I was like feeling like I was missing out on stuff, you know, like the whole FOMO thing. You know what I mean? Okay. So I made some decisions when I was like.

whenever I got my new job and I bought some stuff and did you buy um the clarna ones are probably from Steve Madden so I bought some shoes because I never like update my wardrobe or anything like I've always been like I've always thought that like buying clothes was like a waste of money and like like everything that I thought was like a waste of money is like buying sodas buying clothes um you know just like wasting money going to different places like all the time so I tried to not do that and I think I just tried so much that I kind of went crazy when I got my new job. And then we have Fidelity again and there's $60. So this is not organized at all.

You're just everywhere. Just absolutely everywhere. And then guess what? We have another checking account. Which one? Checking account. RBCU. Oh, yeah, yeah.

Okay. So that one's actually for Rover. I have that one because I want everything to be separate. Why? It's still your income. I only have it like that because it's like a business. thing, so I want to make sure that I like, you could set. Oh, okay, I see what you're saying. Like it's like, you know what I mean?

Yeah, yeah, yeah. That's the only reason. Well, it's 30 bucks. I can't see any of the activity in there, but there's 30 bucks. Currently, the checking account for our, our BFCU, it's new to me. So currently that one has like 158 and then I have like a savings account that everything from Rover goes into. And it's at like 400 at the moment. So yeah. So all your savings and checkings together probably come out to like six. 300. Probably, yeah.

Across like 90 accounts. Or like 700. And all your retirement and investing comes out to only a few hundred as well. Yeah. Across like a billion different accounts. Yeah. Okay. And I definitely want your advice on how to kind of consolidate.

Yeah. I mean, business and personal separate. Yeah. And then do pay outs into your personal from there. But keep track of every business expense and everything. So you can make sure you're taking advantage of tax writeoffs and everything. So keeping receipts and everything. Yeah, I'm writing like software to do that.

But then just budgeting with the money that comes into your main area, budgeting into different categories, knowing exactly where your money is going, not freaking out at different things, not overdrafting, stuff like that. So what is this? Upgrade. That's a really sucky personal loan that I have.

Why do you have it? So I did one personal loan in 2020, and it worked really well for me. I actually just paid it off. How did it work really well? What does that mean? So the, I have a Capital One credit card that the limit is like 3,500. And I had it all the way up. And I got the personal loan, paid that credit card and like one other one. I paid off the personal loan and I didn't put anything else on that credit card.

So I was really excited about that. However, I have other credit cards. I'm confused. Yeah, what's up? You talk about like until recently until you got your job and stuff, you didn't care about clothes, you didn't care about pop, you didn't care about this, this, this, this, this, this. Why are you in all this credit card debt from the past that you consolidated into a person alone that worked for you, yet we're still in these debts? Meaning there has been debts going back for a while.

Why were you in it in the first place? So I've actually had a YouTube channel since 2016 and I was convinced that I was going to be a beauty guru. So a lot of the debt that I had on that credit card was for makeup and stuff for the YouTube channel that didn't go anywhere because I did not like put effort into it. Like I didn't. Also you should have collect cash photo with a job. Oh yeah for sure. So a lot of that debt as well is because so my mom doesn't have any like she's she's good. She like has good things for like being frugal but she never taught me about financial stuff. So I got a credit card. I was like okay cool. I was like doing the right thing and everything. I started doing bad stuff like partying and stuff like that

and I just wasn't taking care of it properly. When I finally realized that it was a problem, it was pretty deep. And then I kept doing that. When did you find that out? I kept doing that thing where you like just for like you're like pushing it out. Like I kept doing the minimum payment. How old were you when you figured that out? Oh, 22. So this was a while ago. Yeah. And I'm still like trying to dig myself out because I'm not. It's like I make a plan. and then I don't stick to it. So I'm really trying. I can see because this is just built up.

And I see like, I mean, that's been too many years. Yeah, I'm really, really trying to make my plan and actually do it. So that's where I'm at right now is like, and that's why I'm doing the Rover thing because I'm just really trying to get out of it. Like. Yeah, you're about the bus to work a billion hours a week. Yeah. Hours that don't even exist, you're going to be working. Yeah. So thankfully with Rover, it's been doing very well.

and I don't have to put too many hours into it to be profitable at the moment. Per hour, I did like a whole thing with it. It is about $33 an hour whenever I do it. So thankfully, it works out pretty well. I'm still trying to balance having a full time and doing that at the same time. My Saturday, I do Rover the entire day. Sunday I'll do as many as I can. I have a Rover client later that I'm doing.

So every single time that I get a request, I'm taking it because I really actually want that to be my full time. My aunt does it in Houston, and she actually makes six figures because she has a house. I don't want to make six figures because I just can't at the moment. She has a home, so it's possible because boarding is the best thing that you can do with Rover. I can't really board too many dogs because I have an apartment, so I can't board too many. But what I'm hoping is I have a plan for how much money I can allocate until October to certain credit cards. And then I'm hoping that I can keep allocating until January. And then in March, I'm hoping that I can move into a different place that has a backyard so I can actually board more dogs.

Okay. We'll hear your plan and see if it's good or not. Okay. Now, on your capital one, zero bucks. So you just don't hold balances on there Or you paid that off through a consolidation? Yes, that is the one that I paid with the personal loan. Okay, so you didn't pay it off, you just transferred it somewhere else. Okay.

Correct. Now, we also have synchrony class. That was one of my first credit cards maxing out when I was really bad with money. That one is the, I believe that's the care credit is the synchrony. Because I have a synchrony savings account, and then I have a synchrony, like, care credit is synchrony. Oh, this is, oh, this was your high yield savings, yeah. Okay, cool, cool, cool. And of course, there was nothing in there.

Yeah. Because that was something I just recently, I pretty much stopped everything. When I realized that we should have a conversation, I was like, I'm just going to kind of pause and just talk to you, see what you think. So then we have a Costco card. Yes, and it was not the best decision. That's a lot of debt for a stupid Costco card. Yeah. $3,984.

$9.93. She is with a minimum monthly payment of $99.92. Actually, I don't even know. No, the upgrade, we didn't even talk about it. It was $4,000 and $280 minimum monthly payment. What's the interest on upgrade? Honestly, I really don't know. I really don't know.

How do you not know? Well, because like to pull it up, it's really hard. And I signed up for it. I think last year, I really don't. don't know how to pull up the statement. I was trying to pull up a statement, but it's not... You didn't know the interest when you got into it? I did, but I just don't know it now. Do you know the range? I can tell you how much I need to pay and what the monthly payment is, and you could do some math if you want. I really, really don't know. I wish I did. I really tried to look at it before I came,

because I could, but I could not find it. You only put, what's the point? You only put $200 towards it, but you're making $62 and $11 a purchase on your Costco card. This is something I will never understand. And it's some stupid beauty place in some well good R.X. And then after pay you're paying with the credit card. You're just, what's the point? We're not making progress if we're just being stupid. Yeah. This doesn't make sense and you lost $60 of interest on this essentially. Oh wait. Yeah, 60 bucks. So why are we spending on this? It doesn't make sense with a

what's the interest rate? It's about. I have all of them right here. Oh, it's gone. up. Or it's like 19 or... Interest rate has gone up. It's almost 20%. Where are they? I mean, I'm seeing it right here.

It's almost 20%. So why are we doing that? Because we're talking ourselves into dumb stuff. Because I really know. Like, I know what you're saying. You found it out at 22. We decided, okay, we're not really going to think about it. And I can understand that there's a mental point there in terms of just like waking

up to it. But even if you know it, why are you still spending money on it? Especially if you've been watching this channel, and if you've been watching Graham Stephanie, if you've probably been watching others, why? Come on. This was like last month. This was last month. Some of it was, yeah. Why? Come on. Give me a reason. Not just like, because we're trying to learn. No, I mean, I definitely take, I can't really give you a reason because I just take full responsibility of just doing stupid. It's good, but if we can't get to a reason, then it's, how do we overcome doing it in the future? That's what I struggle with. If we don't know why, then how do we prevent? I guess sometimes, like, I think that I know more. I don't really know. Why am I crying?

Can you, like, cut it real quick? Yeah, that's fine. You okay? Like, it's okay. Like, I really want to. Like, the reason I dig in is for a very specific reason. To one, make sure that you feel. fully understand the direness of the situation so that people can put a fire under their butt

to do what is necessary to get out of it. And then the reason I push so hard to understand why you're doing something is so we can figure out a path forward to not go into that. I'm very intentional with the way I do it. It's not to beat you up specifically. No, I had to explain to my boyfriend because we were watching an episode and he was like, why is he so mean? And I was like, you just have to tell these people like the truth.

Like, because they, if you don't, if somebody's not telling you the truth, like, you're not going to hear it. So. Yeah. I don't want to enable anyone. So I definitely, I definitely get it. I have a, um, like, I have like a sensitivity to like, uh, like authority sometimes. And not saying that you have authority, but we're like, you know, I get a conversation.

It's okay. I'm sorry, dude. There is nothing to be sorry about. I am also a crier. It happens. It is a part, okay, it's not that I want you to cry, but one thing that is making, one thing that I'm happy to see in a way is that you already know how dire the situation is.

Yeah, like, for sure. So I do not need to do what I usually do when people just do not understand. What is going on? And I was hoping that... Can you talk into the microphone, please? I was hoping that you were able to understand that because I definitely take responsibility for, like, what's happened. I'm still trying to figure out why I'm still making the decision.

I guess it's just in the moment it's like as soon as soon as I decide like okay I'm going to use this credit card for this purchase in the moment it's like I don't care like my brain is like you don't care about what your goals are do whatever the want like that's that is what happens in the in the moment that is what is happening and then later I'm like okay I need to fix this and then it I do fix it and then it keeps good going. So it's like, I think I feel like I got in the habit of being able to fix it so often whenever I was younger that as I'm getting more debt, I'm just not able to fix it as quickly. And so in those moments, whenever I'm deciding, oh, I'll just fix it later, it's not as plausible as it was before. So I'm still trying to not do that. But I'm, You know, I can sympathize with this in a different way. Absolutely for me. My struggle, I mean, this was my struggle at one point.

This was my struggle with the struggle I deal with now that I've brought up is just like eating food. That's bad for me. And like, I'll be on a good diet, you know, losing some pounds here and there. And then like, I'm like, ooh, but I really want some chicken dendies with some ice cream. And then I'm just like, and I just do it. Just like you spend out on a car that you already have a balance. And then later I'm like, what, I do this? This is stupid, but I already did it.

And it's just the discipline aspect of it. Something I'm getting, I got better at and did with personal finances years and years and years ago. And that I'm working on for, you know, my own health right now. And that it's something that we can get you to do for personal finances so that you can get to a better place. Yeah, I definitely want to be in a better spot. And like since I sent you everything, like since I figured out I need to, I really need to do this and I send you everything. I haven't put anything else on a card. I put everything written out on here so I can have at least some kind of plan.

I feel like the writing it down is really helping because writing down $3,000 that is not my own money that I have to give to this sucks. And I didn't even write down the balance of the upgrade one because that one is really stupid. It was a good idea at the time because it was one of those things where my interest rates My cards are really bad. Yeah. But city sucks. They do not let you change your interest rate, like ever.

I'm like, that's crazy. Because my mom has always had cards and she's able to, like, call and change them. She's never had a city card. Well, no, I mean, I am also on the page where, I mean, math wins over emotions, but some people are just bad with emotions because we are essentially, you know, still cavemen, you know, mash and rocks together for fun. You know, that's just where we were, not too long ago. We're the same people.

We've just learned some more things since then. But I am good on the mathematical side of taking a 30% interest credit card, consolidating down to like 10% personal long. 10%'s not great. Much better than 30%. That's what it was. Where a lot of people fail on the emotional side, though, as though they feel like they made progress all.

They just don't attack it as hard. That's why I think from the sounds of it, that's where someone like Dave Ramsey is against it, I'm still for it as long as we can mathematically justify it and emotionally understand that we see. still need to continue to attack it. Yeah. So that's my thoughts on the personal loans.

But we also have a city card. On the city card, it's a double debt, cash back, which I love. That's my like, you're holding a balance on it, unfortunately. $70 bucks of payment on a $1,500 balance. But the balance actually went up after that $70 payment because $31 or essentially $32 of interest on it and then purchases of $57 on it.

So we're still purchasing on the card. The interest rate is at 27.49% and the purchases, Rudy's. Yeah. Which a barbecue, but it's not even like the best barbecue. And, you know, it's expensive. So we're doing that on a car that, of course, we're trying to pay off. And then Prime Video as well. I finally canceled that.

I don't even know why I had it. I must have, like, signed up for it like, oh, I should use this instead of some other streaming service and then I never used it. I do have Amazon Prime. Prime Video should come with that. Does it come with it? I think so. So I finally got rid of that and got that situated.

I, oh, that was the other thing that I don't pay for that I forgot to mention when I was talking about sodas and stuff. I don't have like cable or anything. So I was like, oh, I'm so great. I don't have cable. You know, so that was another thing that was kind of adding to the fact of like, oh, I don't have cable. so I can buy this.

And I don't have those thoughts anymore. But it was kind of like pushing it. Like, you know what I mean? It's not a good idea. I see what you're saying. Yeah. So I now am like just happy for the things that I don't buy and not using that as an excuse to justify buying something that I don't really need. Because I also have a really good rate for my internet with Spectrum because they had this really awesome thing going on whenever the people.

the pandemic came, I was paying like $25, and now I just pay 40 because it's like the next year of the thing that they were doing. I used to work there. I don't even remember what was called. No, I got you. No, I mean, that's good. But that's cool. A lot of people are age. Oh, we are the same age, actually. A lot of people just within our generation below and above us, you know, because we're in that weird middle area. Yeah. Yeah. Internet, absolutely cable. Not as much. Yeah. I recently got YouTube TV, but I've had it before. Like, what do you think about it? That's fine.

I was like, eh. That's good. It's good for what I use it for. Oh, good. Good. Do I have like mascara like right here? Because I tried to make sure that it like wasn't there. You wiped it off.

Okay, great. So this is an interesting one. This is a Discover card. This looks like where a lot of the BS spending is, which I thought a lot of it was on the checking. But no, there's more. We started with 412, but you paid $322. So there's a little bit of amounts on it. But then we made $1,647 of purchases.

Now it looked like for a second, okay, maybe. she comes close to paying off her balances, does she pay off the balances? I'm not 100% sure because there's $24 of interest charged on this with, I don't even know the interest right on here, probably close to like... They're all about the same. I have them, like, written in here. I just can't remember what page it's on. I wanted to make it like easy because it was all at once. Well, and then there's the $53 minimum monthly payment, but what's up with this card?

Why do we spend $1,600 bucks on here? I'm going to lose an interest right on here. When you're so close to this, having no balance. Yeah, I was really close to having nothing on there. I don't remember what is on there. Does it say it on the statement? Like what the purchases are? We had some Home Depot's.

We had some dogwood. That makes sense. Jack and Ginger's lots of Amazon. I remember that. Kung Fu, Roserun, McDonald's. That was my first time at the domain. Really? Yeah.

I never really been anywhere there before. And my friend took me. A Roku. That happened. Gotcha. A Roku thing, and raising canes. Some grocery stores with them. There's marshals and Alta, in and out.

That doesn't look like gas from 7-Eleven. It's too cheap unless you did a very small amount. Was it $3? That was $7, $12. It was definitely gas because I don't buy anything from like, unless it's a water. Amazon, Andy's Frozen Custard, in and out. Like, Ibisu and Papa Johns and Chick-fil-A, Chick-fil-A, Starbucks. Amazon, Amazon, total wine. I mean, these are things you do not need.

Alta, steak and fries. Yeah. Yeah. Forst family. Well, I'm okay with a dentist. Yeah, obviously. Yeah, that was my dentist, which definitely. But all of that was so much BS spending with a 27.49% interest rate.

So why did you spend all that money on crap? Yeah, I'm definitely still trying to figure that out. Okay. So there's a mental thing here. We have to get over. Or a dress. Not necessarily get over, but a dress. So I like that, you know, with credit cards, you can, like, gain, like, points and stuff like that.

And sometimes I let that get to my head. But you're losing way more. You're losing a lot of money. Way more. So try not to let that get to my head. Sometimes I, like, justify it like, oh, well, you know, it'll have this many points and then it'll kind of cut off. But I don't want to think like that. No, I would never think like that.

Yeah, my brain is telling me. Well, you honestly, I mean, what do I always say? What are you not? I thought she watched my videos. I do watch your videos, but... You're not a credit card person. Yeah, not at the moment. No, I don't think you're a credit card person in general.

If you were in a position where you're putting all this money on here because this point's when we're not painted off and we're holding balances on these things, when we're dead consolidating to do different things, you're just not a credit card person. That's fine. There's nothing wrong with not being a credit card person. And you don't have to use that. You can use the debit card. You can use the card that I always recommend, the FIS card, which is linked below.

That helps spend, you know, selectively on certain categories, which helps you prevent overspending, which clearly you have an issue with on certain things. That's okay. You can do that instead of credit cards. You do not. I like to finesse every single little thing. So the rewards on credit cards are great for me. It is not going to make it or break it in life.

So it does not matter if you're getting them or not. I just like to finesse everything. And when people are credit card, people, that's awesome. You're in the vast majority who's not. Chop them up, never use them again. That's what's going to be easiest for you to recover and not get into the situation again. Because you've been dealing with this since your early 20s. Yeah.

And you're almost in their 30s. Yeah. So, like, I feel like in the future it might be something to revisit, like, using a credit card. Okay. Because what's happening, okay, what's happening is I have no, like, I'm not able to have any fun. because all of my spending is going to the credit cards. So I think that's what happens is like I get... You're having a lot of food fun though.

No, literally. I get like kind of store crazy in my mind and I'm like, I'm like spending all this money like, you know, to credit card debt and all of this and it becomes a little bothersome. And then I make the plan like, hey, you know, be really, really, really diligent here. And then it just doesn't follow through because I feel like I'm using all my money

for something that's not happening at the moment. moment. It's very hard to like. I know exactly who you are in that particular instance. You're that person that will come up with a really good plan. It's just hard to commit to. Hard to sustain that plan. You're just in and out of plans a lot. And that's okay. I mean, that's just, that's just your personality. What we have to figure out is the best way to counteract that. Now, you mentioned having a boyfriend. You utilize that position, girl. Get this food for free. Thankfully, he does pay for a lot of food. You're getting out of death. If he is on board with the situation, That's actually what I told him recently.

I was like, hey, dude. I was like, hey, I'm going on Caleb's channel. I just recently, like, really made my budget, like, super, super tight. I told him, I was like, all I have right now is, like, 50 bucks if I want to do a YouTube video. And, or, you know, a couple YouTube videos, $50 across a couple. And then every other food thing, I was like, you're pretty much going to have to pay for it if you want to go and do that. So I just updated him on that part. And on that specific thing, too, how long have you guys been together?

We just had two years in March. Okay. I would be very open about all this that you're doing, which just sounds like you are, but even more open, have almost like a monthly meeting where he can help keep you accountable on sticking to these things that you tend to fall off. That could be helpful. Like the strict budget, if he can hold you accountable and just like, all right, girl, what are we doing?

Yeah. When you're spending over on a category. Like budgets are very easy to put together. they're incredibly easy to not use as well. Yeah, because I have one, and it's going good right now. Good. I'm like allocating extra funds to each card, but I'm trying to do it in a way that makes sense. So like the care credit, it has the highest interest.

So I'm allocating the amount that it is owed and then more. And then the next one that has interest, more, but less than the care credit. But I don't know if that's the right thing to do. I don't know if I should just pay minimum on everything else, fix it. the care credit and then start from like the you know what i will talk about that in a second i need to know about this car what is the balance on it um i think it's 15 a 15 000 right now ran what's your minimum monthly payment you make you made so many different payments so i make different payments on it um like before i had the budget and i figured out like what to send i was making

different payments on it like i paid like a hundred and then i would pay other bills and then i made sure that I had enough. It was like a weird thing that I was doing. If we're budgeting and we don't have to do things like that. Yeah. So what's your minimum monthly payment? Oh, it's 412. Yes. Okay. What's the? And it has, what is the thing? What's the length? Do you know? When did you get it? When'd you get it? And I got it. Why is everyone 72? Because I was being. When did you get it? I got too big for my britches. Yeah. We're using Texas slang. When did you get it? 2020. Okay. What's the car? It is a 2016 Mazda CX5

Okay What's the interest rate So the reason that it's so expensive What's the interest rate? I didn't have a statement I need to know the interest rate Can I look it up real quick? Yeah

Okay Because it has like I think it gains like A dollar and something per day I think is what it says Your minimum monthly payment is lower than you thought No that's because I already When I do

Okay so it's due on the 16th I pay most of it it with the check that I get on the sixth, but I do pay 100 or 200 with the previous. That's what I try to do. I like to split it. It makes it easier. But it just, before I made this budget, it was depending on things. But now that I made the budget, it is very particular.

How is an interest rate not on a statement? Isn't that weird? I don't know. So all I know is that the daily interest is $327. So if you want to do some like backwards math or something. I've been doing so much math for. All of this, my brain is like... Seeing you at about 8% interest, is my guess.

Oh, I keep forgetting. What is it whenever you're... I know what it's called, but for some reason it's just leaving my brain right now. You know whenever you total your car and they pay for the rest of it, the rest of your loan? Yeah, because you had insurance on it? No, no, no. It's the other thing. The gap.

I have gap insurance and it's in my payment. Oh, gotcha. Okay. That's why it's 412 because it would have been like 370 or something. but I added the gap and so it made it 412 and that's with the loan. Like it's already in there I can't choose to take it or leave it.

Well your debt pile is crazy, obviously. It's really bad. It's obviously we're like nearing $25,000. Yeah and that's not talking about like school stuff which I don't even think about I don't think about it. Well we need to think about it. What is it?

What is it? Is it all private? Or is it all public? Federal, sorry. I haven't had to think about it in a while because of like the whole 2020 thing. They like stop. Okay, so it's all federal. Then no private. I think so.

But part of it is at a collector. What? But they don't call because of the pandemic. How long has been in collections? Probably 2019. Are you going to wait another three years for it to fall off? Is that your plan? I literally have no idea.

It's not on anything right now. I don't know what it's doing. It's with this company called Williams and Fudge, and they called me the first time. I thought it was like some weird thing. The reason that it's there is because I actually didn't realize that I signed up for it. Like whenever I was at school, when I was at school, every couple of months, they would like call me into the thing and be like, hey, like you have this payment and you have to do this. And I just signed stuff to stay in school. They were like, if you don't sign this, you can't stay.

And I didn't know what I was doing. I hate that system. Yeah, I didn't know. What's the balance of your student? Do you have credit card in your phone? Crick, yeah. Yeah, go ahead and pull that up. We can take a look.

The one that's at Williams and Fudge, I think, is 17. Well, you can wait a few years and it'll fall off your credit. I don't know if that's what you want to do. If it's not that. If you don't touch it, if you don't touch it. I haven't touched it at all. If it's in collections and you don't make a single payment. It hasn't, like, hit my credit or anything.

It's really, really weird. Okay, well, if it hasn't hit your credit, then I don't know. Do you want to allow sure. Face ID. Yeah, so currently nothing is in collections, and then the things that, the item line with student loans is 13,000. Because I was paying on those before the pandemic happened,

and then I was like, oh, I can start paying toward my debt, and then I made really poor decisions and added more debt. Because I've always expected, I mean, they were calling me every, every day and I would just like block them from the Williams and Fudge

but then they just never it stopped because of the pandemic so you don't have anything in collections on your credit are you sure it wasn't like a scam I don't think so because I looked it up and everything they sent me like a document it's just been so long that like

I can see if I have the email well honestly honestly this is the way I would think about it for me personally they're not threatening to do anything legally if it's not on credit and stuff like that I might just not worry about it yeah I feel like once it like shows up then I should worry about it

because obviously they can like garnish my wages or something I don't really know about how that works a collection's place don't give them access to anything in your accounts just don't give them access to anything and they won't like the IRS can garnish your wages and stuff like that and not paying on your student loans from the federal government

but like if I didn't pay this this, that's whenever the IRS would take money for me. Potentially if you don't pay on your federal student loans, but I paid on those. I don't know what, but your situation is kind of confusing. I don't have a lot of great insight into it,

so I don't want to say anything definitive. Sounds good. But yes, 13,076 into the student loans. Yeah, and I didn't finish. I don't know what the interest rates are. It was like for the last time I looked. Yeah, it wasn't bad. And it's not, it's not anything now.

It's going to be like a $225,000 minimum monthly payment essentially? Yeah. It's not anything right now because we don't have interest rates yet. I don't know when they're bringing them back. Summer or fall. Cool. So, I mean, this is the way that I think about it. I mean, your minimum payment is, as you said, you know, it's basically a thousand bucks.

It's poo. Yeah. I'm going to lay on my budget that I want to see how it deals with yours. Okay. What's your portion of the rent? For rent currently, it is, I think it's $7.35 for my half. What about your half for utilities, internet, all those things combined? So I'm going to say something and I just need you to take it as fact and not have an opinion about it.

Okay. I have an opinion about everything, but go ahead. So for the utilities, it's 80 and then groceries is 100. No, not groceries, not groceries. Okay. Utilities is 80 and then spectrum is the 40, 20. What would I have an opinion about? that we only split rent

Oh, you take care of all the utilities? Mm-hmm. Why? Because it's a very long... I don't want people to have an opinion about that. I don't want people to talk... What's his work situation? He works with Amazon.

He has a job. He's had the job the whole time. It doesn't really matter because you guys are not married anyway. If that's the deal that you guys made, that's the deal you guys made. Okay. But yeah, he's... He works. He doesn't call out. He makes like $21 an hour.

Okay. That's fine. Insurance. Is that taken through work? Yeah. So, before pay? Okay, cool. With insurance right now, it takes out, oh, car insurance is freaking expensive right now. It's $1.70. And I keep changing it to lower it. And then it goes up again. I hate living in Austin because there's too many accidents. It makes insurance so expensive. But my health insurance, is only 90 and it already comes out of my check. It comes out of your check.

So we're not going to worry about that. We're wearing a bunch of post tax. Okay, cool. And I usually spend like 80 bucks in gas. Do you have a... Okay, thank you. Yeah. Do you have a workplace 401K?

No, I don't use it because I always... What's the match on it? I always leave. What's the match on it? Probably like one. I really don't know. I always leave. You don't know?

I would look at the match because that's 100% return on your money. I'm not going to stay at this job But you'll roll it over to your next place It doesn't matter You just keep rolling it over I don't know how to do it though It's so easy

It's so easy Okay And any place can help you with it Like fidelity They help me do my roll over I think that's who they have Right now It's fidelity

It's so easy please If there's a match That is a hundred percent match And a certain percentage Please just do it Because it is a hundred percent return on your money It makes no mathematical sense

To do anything else Yeah I used to do it at other places Your minimum worth of payment on debt Right now according to those statements, which is what I'm going to go off is 892. Yeah. I pay extra. Like I put the, the $1,000 is with the extra.

Okay. So, but, okay. I'm going to give you food. This is groceries, not eating out, nothing like that. Food. Real food. Of $300 for yourself. You and your boyfriend can have some combined thing for the household.

He can contribute whatever. You can contribute only $300 no more. I usually just do 100. Okay, that's fantastic. We'll say 300, though, for the sake of the budget. Okay. Total paper money, anything you need to survive in the house? We're going to give 100.

Okay. So, you know, all that good stuff. Gas contracts. Okay. Anything else that happens monthly that you have to take care of? Amazon Prime. Do we put that in there? How much is it?

17. fine and I also pay for YouTube premium because I don't like ads okay fine so your subscription is like 25 okay and then what do you think about

we didn't really get to dive into the apps that I use for like the YouTube stuff I use so I use apps iCloud is for the extra space that I need for the videos as well as Dropbox

and then the other one That's on there is splice, and that's where I edit the shorts. How much are all those? Together. It's $53.96 with YouTube premium. I just put it like all together here. It's like 45.

Okay. All right. Well, consider that a part of your, since you're trying to make it a hustle in terms of working, you're not putting a lot of money towards it. I will allow it to be in there for now. We'll see how it shapes out. Right now that's shipping out in my budget to be $2,275. $4 and 13 cents a month.

The reason you're spending a lot less than I gave you on groceries is because with that city credit card and with your checking account, you're going out to eat almost every single day. True. That's a good point. So you don't have to spend a lot on groceries. Yeah, good point. So that means right now your needs category. Your needs category is 73% of your income.

Nope. That's horrible. That's 23% over. what it should be at its very peak. Yeah. So that's really bad. And it's heavy. Like it feels heavy. It is.

And the debt is the biggest one. Yeah. There. That's what's taking it. When I wrote that down, I was really disappointed that I did that. But this is what we're going to do going forward if we want to actually deal with crap. We're going to rover as much as we can. Yeah, that's what I'm doing right now.

In everything as we can. That takes priority over to you. right now until you're out of the debt. We're doing that every single second of our life that is not working this other job and you're bringing in as much as you can. What do you think you can bring in on a monthly basis from that? Going crazy. From Rover?

Yes. So I'm still gaining clients because I just started and we're supposed to be going into the peak period. You're estimated what? You think you can bring in on a month on average? 2000. 2000. Then you're setting 35% aside for taxes for yourself with your income. I've just tried not to really touch too much of.

We're going to be touching it now. This is income. Okay. So you need to set 25% aside in a high-yield bucket somewhere that you're not touching. So don't leave it in the savings account. Well, okay, you can. You can leave it in your business savings and then transferring the rest over. I want you to transfer 75% over into your main checking hub.

Okay. Where we are using the budget. Okay. So setting $600 a month aside, you're going to have $1,400. Okay. So save every $2,000, save like $600. Yeah, just save 25% every time money comes in. Yeah, I was like, because I've made such bad decisions with stuff,

I just didn't really want to touch it. That's why I put it in such a separate account as well as because I was kind of scared that I was going to do something with it. We have $2,225. Okay. Now what I am going to do to be nice. is as long as you are actually bringing in about $2,000 from Rover on a monthly basis, you can put $100 of it aside to get YouTube video food.

Okay? Thankfully with the groceries, that's what I actually like doing is what I really, really like doing is on a Sunday, film a grocery video, show people what they can cook at home. Because for some reason, even though there's been like all this inflation, a lot of people have this idea that eating out is less expensive than cooking at home. Yeah, that's important. And it's really, really frustrating because you can make really delicious food at home without spending a whole bunch of money. So I feel really passionate about it. So I just need to get back into that. It's because people go get the most expensive groceries at the most

expensive. Yeah, right? So we're really lucky. We have H-EB. They feel like they're required to get eggs. They're not required to get eggs to survive. Either way, 2,1, 125 is what is left now on an average monthly basis. That is what's left. Month number one, all of that because you are not having fun that costs money. Your boyfriend is, if anything, and you can go have free stuff. Go to the parks. We have a lot of great parks and nature trails. I've been getting a lot of those since I'm dog walking and pet sitting now.

But month number one, starting this month because we're in the beginning of this month, month number one, Discover is paid off. Or sorry, the city card is completely paid off. Do you want me to do the care card at first since it has the highest? No. Which city one? I have a simplicity. I have a double cash.

I think that's the I think it's the double cash too I think that one has more I think that one has a higher rate on it Did I miss the simplicity? What's the simplicity one? Did we not? I don't know if I had it

What's owed on the simplicity? It's like the same as the double cash Whatever it is on the So for the simplicity one right now I send them 100 For the double cash right now I send them 70 So now you have $2,000 left $2,000 left because we missed that

So your debt's a little more anyway So you have $2,000 left Either way, one of the cities is gone the first month, and then you put $500 towards the other city. Then the next month, the other city's gone, and you have $1,000 left. You put that towards here the Discover card. So in month number three... I'm glad you're saying that because it kind of is similar to what I wrote down, but yours is more aggressive than what I wrote down. You've got to be aggressive because I wasn't sure about how much I can save.

Because you have nothing in retirement, which is terrifying. and you're about to enter 30. You've already lost your best decade for life for compound growth. So month number three, it all goes to discover. You have a little bit left, and you can put that towards the upgrade card. Okay. The upgrade card. And then for a couple more months, you put it towards the upgrade card, get that paid off.

And then for about two months, you do the Costco card, and then that's fully paid off. So I think that's by November, right? So that's seven months from now. Where are we? At the end of seven months. So eight months from now. And that'll be perfect because I might be able to put more in November and December to really, really, really be aggressive.

Because that is the month that I'm planning to make $5,000. Like both of those months I'm planning to make $5,000 each with Rover because they're super, super busy. So I'm like really going to hit it hard during that time. And we're not spending money anymore outside of this budget. It doesn't exist. There's no more effort. We can't do it anymore.

There's no more. Yeah, I don't want to do that. And have your boyfriend or someone hold you accountable. You'll come back on here eventually and we will hold you accountable. But throughout the process, we need to have someone, some system to hold you accountable because you go on and off plans a lot. And the only way to do this is to go crazy. So we're at the beginning of December with what the interest rate is on this car.

At this point, I'd probably use a month or two months. And guess what? You have an extra $1,000 left now. So you have like $3,000. You have extra a monthly basis. I'd put that $3,000 in a high yield on the side just as an emergency. Simple emergency, and then everything else for the $3,000 you have, I'd pay off the car, which will take five months.

So now at the beginning of December, we use December as the savings month, or essentially to like June of next year. June of next year, you're completely debt-free. That's what I'm hoping. A starting emergency fund. Now at this point, with what it takes for you to survive without the debt, you don't need to have a crazy emergency fund. I'm going to say like 9,000.

So you just do another two months. Get to 10,000 to round it out as your emergency fund. So boom. August. We're at the end of August and you have a fully funded emergency fund and you have no more bad debt. I'm really glad that you said that because I was hoping to be able to get 10,000 by that time too. You can only do it though if you really buckle down and actually do this every single day, not just every single month, every single day every single second. You're working. You are not having paid for fun and you're just going

crazy because at this point you'll already be almost 30 and that's when you need to start saving for retirement minimum 20% of your post tax. I would definitely be contributing up to the match at your workplace starting now because it's 100% return and you can just continue rolling those over as you continue as you switch workplaces. Okay. Yeah, I'm glad that we got to talk about it because there's not really a person in my life that is financially savvy so there is no

really like my boyfriend I mean I've even tried to talk to him about putting aside a hundred dollars a month into a savings like looking at someone who doesn't have any debt and you know what you have done and you like want to help them but they haven't been through the things that you've been through

is like really really hard so yeah so I'm kind of alone in that but I'm hoping that like since we've talked now that it'll help because I feel I feel good right now I feel relatively okay about the situation what's holding me back is you've known this was bad since 22 and I mean anything you go you create plans you fall out of them yeah so what we need to do is for you to just because a year and a half and you're done yeah it's incredible but it only works if you actually fully connect to it. If you have with interest rates,

this takes like five years. Yeah, I think that's what keeps happening. And that's without you even going into more debt. If you continue down the road you're in, you're never out of debt. Yeah, that's definitely what keeps happening is I'm like,

oh, it's only like this far because I was doing so well in 2020. I really was almost there. I had like $700 of credit card debt left. And then I bought a bed, like a mattress. And there was something about that. that that just like ignited something in here.

And it just fell completely off again. So I definitely want to take care of this. I don't want to be in this situation. Okay. Well, boyfriend, if you're watching this, hold her accountable and sorry for making her cry. I want to know from your perspective, knowing yourself, be as 100% honest as possible.

What are you actually going to do leaving here? What am I going to do leaving here? I'm probably going to write some more stuff down in here about like what we just talked about because I don't want to forget what you said. Thankfully I don't have to. I won't be able to forget because it's on camera. So that's really nice. I feel like since I already stopped spending on the credit cards, like since we,

since I decided that I wanted to be on the channel, I feel like that's a really good start. And I'm just going to keep trying to be positive about it because I don't want to beat myself up about something. but I do want to be serious about it. I'm feeling really good right now, especially with the Rover thing. I feel like I made a really, really good decision getting into that because I don't have to put that much, I don't have to put that many hours into it

to make the amount of money that I've been making so far, which means I have more hours to put into it to make more money. So I'm just still doing as best as I can with that. Like I said, I accept everything that I can. All the requests that I get, I accept them if I'm available. I've been sleeping.

I've been house sitting every, I literally have not had a day off since we started chatting because I've been staying at people's house to house sit. I'm super exhausted, but I really, really want this. That's where I'm at right now. For Madison, again, sorry, I made you cry, but, you know, we're showing just how extreme the debt is and that can really hit at home how dire the situations are. And it is a dire situation when it comes to the Hammer Financial Score. So Hammer Financial score right now with no retirement,

continuing to get into that, going into plans and getting out of plans and into plans, out of plans, right now it cannot be good. So it's going to be a one out of ten. But I really hope in a year and a half from now, we're like five out of ten, and we just get higher and higher and higher as we're saving for retirement,

and we eventually get into a personal residence that we own. So I'm really hoping for Madison. And the follow-up, we'll see. Please succeed. I know you're watching this. Please succeed. Make sure to check out all the resources in the description below. And don't forget the phone my Instagram,

Twitter. Thanks.