Financial Audit - $388,000 Of Debt To Storm The Capitol | Financial Audit

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Starting point is 00:00:58 You're among fans. To watch episodes of financial audit a week earlier, check us out on YouTube. I'm in debt because I didn't attend January 6th. Well, what the fuck you mean? So my insurrection, my radicalization started during that. What the fuck? You said you deserved a year off. After grinding for 40 years, I deserve this.

Starting point is 00:01:18 A year to yourself. What entitlement is this? What bullshit entitlement? You. You don't deserve anything. Well, BLM, I was going to donate to it. I'm thinking. And then I educated myself.

Starting point is 00:01:26 off. Oh. How do you think George Floyd died? Fibu. That's the wrong hero to have. Dollar Wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download.

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Starting point is 00:02:14 and this is financial audit. Pam, I was actually laughing, reading the top of the document for this episode for the first time in this channel's history. I was in my office laughing. Oh, no. Because you telling Lindsay, if it's your aesthetic, I'm in debt because I didn't attend January 6th. What the fuck are we talking of?

Starting point is 00:02:46 What the fuck do you mean? That's how kind of all this started brewing. And I only wish that my friend Mike Pence had that additional courage. January 6th. So my insurrection, my radicalization started during that time. Okay. And you're in debt because of that?

Starting point is 00:03:07 I was supposed to be there and I did not attend because I had previously agreed to go to Marco Island with some friends that I'd vacation with every year in January. We usually go to Puerto Rico, but we went to Marco Island. Do you have FOMO of Jan 6? Well, I was kind of following along because we had a rainy day on January 6th down in Florida. And here's my friends all sending me videos of what's going on on January 6th.

Starting point is 00:03:33 And I'm watching the news, and it's all hell breaking loose. And here's my friends singing and everything's peaceful and sweet. And now I'm seeing like there's all kinds of violence going on. So now other people are messaging saying, what's going on there? So how is it that half the crowd didn't know, that there was an insurrection happening? I don't, I wasn't there. I don't know.

Starting point is 00:03:58 I didn't participate myself. Yeah, it's kind of wild. I don't know. It was a big political moment. I'm sure there were people there that had no idea what was going on. I'm sure if I was there, I wouldn't be participating in any violent things. Exactly. But there were some people that were.

Starting point is 00:04:15 That were. As well. Absolutely. Caught on video. I don't know. How the fuck is you not going there leading to you, Being in debt, I'm so confused. That makes no sense.

Starting point is 00:04:27 Make that make sense to me. I know. Okay, so you didn't throw a chair through a window. Now you're in debt. No, absolutely not. But, well, so that's like 2021 that happened, right? Because it was after the 2020 election. Or saying because Trump wasn't still in office, you're missing your mortgage payment?

Starting point is 00:04:42 He's in office now. Oh, yeah. Yeah. But at that point, now personally, I was a poll worker during the 2020 election as well in Tampa, Florida. And they were also saying there's no fraud in the elections. There's no fraud in the elections. I also witnessed that. Not kidding. Okay. And you miss you're missing a mortgage payment because of that? Well, so this started the whole like radicalization process where I'm just like of who? Of you? None of this. Yes. Oh, tell me. Okay, sure. Like the world is cuckoo at this point.

Starting point is 00:05:21 I'm seeing these things. I think the world has probably always been cuckoo. Humans are, I assume. Okay, so you got radicalized. I don't really like radicals, I'll be honest. I just figured that could have been easily been me. And actually... What could have been?

Starting point is 00:05:36 Voting illegally? Going into the Capitol during that time, not voting illegally, but watching illegal votes being made. Okay, you saw illegal votes being made? Yes. Or to a volunteer at the poll work? Isn't that, like, kind of what you're supposed to be? Right.

Starting point is 00:05:53 Like, oh, sorry, you don't have the right idea or something? Right, yeah. And I was... Why were you letting it happen, that? I wasn't. I was rejecting too many voters, so they took me off the poll pad. It's called. Were you correctly rejecting voters?

Starting point is 00:06:06 Yes. They all had the same birthday. Like, a whole group of people come in and they all have a January 1st, same year, birth date. The address will come up and it's not even a home. I just have to take your word that that happened. Yeah. Okay. So what happened on that?

Starting point is 00:06:22 Well, there were several things that were happening. So they put me in where the ballots just get put in. They didn't want me on the poll pad anymore because I was rejecting too many voters. Without me seeing it, I can't, like, I can't believe or even not believe. It's like it's air. It's just words. Like, it's nothing. Like, okay.

Starting point is 00:06:44 Well, for example, a minor came in. She's 17 years old. She knows damn well she can't vote. So I say, hey. Maybe she's. I don't know. I don't know. She looked smart.

Starting point is 00:06:55 Did she think she could vote? I don't know. Maybe. But I told her, no, you can't because you're a minor. You have to be 18. Yeah. And they told her to go walk to the other end, and they handed her a ballot. So, you know, what's going on with it?

Starting point is 00:07:08 So as a registered independent, they let me be a poll worker. What I found out afterwards was that they didn't have any Republican poll workers there. They just had Democrat and independent. That's how I got in, I guess. I was a Democrat in Massachusetts. I had voted that way all along. Where's this going? It's going to my kind of meltdown, financial meltdown, I would call it.

Starting point is 00:07:35 So Trump didn't win in 2020. Right. We came back in 2024. It was crazy, yeah. Okay. I mean, on elections, an election, whatever. Right, yeah. Eighty-one million votes for Biden.

Starting point is 00:07:46 Yeah. Was that the number out of? I wasn't tracking personally. Yeah. Well, I also did work for a look ahead of. America and looked at voter rolls as well. Look ahead of America. Do we, what, okay.

Starting point is 00:07:57 We were tracking people voting in multiple states. So to say that there was no fraud and to say it's incidental, if I'm finding it and I'm a nobody, then other people must see it. I don't know what I say about that. Again, I don't know. You're not seeing anything. If you give me like a policy, usually people like that are just so it seems like you're on, you're on the extreme right.

Starting point is 00:08:20 Okay. Usually people on the extreme left on this show, they give me like a political position that I can shit on. You're not even giving me one. You're just like, I'm not extreme. You're like, I'm not extreme. I don't know. You call yourself radical. That is extreme.

Starting point is 00:08:32 Well, like I'm using your own words. Like, crazy liberal thinking that, you know, Trump is a psycho and a douche canoe we used to call him and roll a derby. Everyone on the right. He hates Biden. Everyone on the left hates Trump. I don't know. This is what they all do. This is what ideology.

Starting point is 00:08:50 I hate the both. Oh, okay. Yeah. Okay. I mean, the only position you gave me is you saw people illegally voting. Like, I can't deny or say I agree. Like, I don't know. I wasn't there.

Starting point is 00:09:01 You're just saying something. So nobody's there to protect us, right? Your vote kind of doesn't matter at this point. I'm confused. I do not understand what that has to do with being laid or something or more. I don't even know finances. Okay. So you were radical in one direction and you moved radical in the other direction.

Starting point is 00:09:25 It tends to happen. I mean, trust me, like super left, Bernie Bose went super right as well. Like that tend, people that fall for populism, many people are very populist. They tend to just go populism on any direction. I don't know. It's like, I just try to stay as much as I can in the middle. I'll take positions on the right and left, just depending where facts are. But you definitely seem like you just go from radical to radical.

Starting point is 00:09:49 I don't know. But regardless, I have no idea what the f*** that has to do with any thing. I'm from Massachusetts. My world is completely different. I was sitting on a pile of money. I ended up buying. I said, you know what? Florida, I'm going to stay here.

Starting point is 00:10:05 I had been dating somebody up north and we were going to move to Florida together. Okay. We split. I hear Florida's nice. It's very nice. Okay. And I said, I fell in love with Florida anyway. So that was in 2019.

Starting point is 00:10:19 Nice and red for you. This is, everyone's super nice and friendly. Well, Florida is nice and red for you. Yeah. It's very Republican now. Everybody's nice and friendly, though. Oh, okay. Yeah.

Starting point is 00:10:31 I'm not getting, like, whistles in my ear for having a different opinion. You ever wonder how much of your life is just for sale online like it's a clearance rack chaos? This is a multi-page report showing what data brokers collected on me, my phone number, my income range, where I live, even guesses about my habits, like who approved this level of creepiness? And here's the worst part. These companies are counting on you to do absolutely nothing about it. Because, let's be honest, you're not deleting every app or reading every privacy policy, right? It's basically a system designed to profit off of you.

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Starting point is 00:11:29 dark web monitoring, and identity theft protection, so you're not left exposed. Take back your privacy. Try ORA for free for 14 days at ORA.com slash AMER. Let's get back to the show. Hopefully with fewer strangers knowing everything about you. Is that what they do in Massachusetts? They would, yes.

Starting point is 00:11:47 Absolutely. There's so much of that going on. Nobody can. Whistles? Yes. Okay, Austin is incredibly blue. One of the blue cities in America. I have not got whistled that.

Starting point is 00:12:00 Well, because you're not out there with, you know, like a Trump shirt on or hat or whatever, yeah. I don't really advocate for... Shit. Because, yeah. But if you did... Just sound economics and... Some weirdo with a whistle would come up and blow it in your ear. Okay, so you were in big protests, protest versus protests.

Starting point is 00:12:16 Yes. So you got involved in the crazy shit. Yes, a little bit. Well, I'm not surprised. That gets heated when two. political factions go at it on the street. Absolutely. But one can debate and one cannot.

Starting point is 00:12:29 Okay. One has some facts and one does not. Also just depends on what facts we agree with. I mean, I don't know. I took a political compass test the other day. I lean left socially and I lean right economically. It's like, sure, but where can you say just like facts are? Like, who even knows what that is?

Starting point is 00:12:47 What can you back up with anything? Oh my gosh, you're going to skisputable. Okay, sure. What's an indisputable fact? Indisputable fact. Yeah. I stuck me down this rabbit hole. Indisputable fact, 17-year-old got to vote in our election.

Starting point is 00:12:57 Okay, that's not an undisputable fact because, like, I might believe it happened, but you can't say it's an undisputed fact just something that only you saw. It's like, because you can't show someone that. Right? This isn't a scientific report that we can be like, this is an undisputable fact. But I tell the truth. I don't need to lie about anything. We just have to believe that, I guess.

Starting point is 00:13:19 I met you. Okay, we've been filming for 13 minutes, 37 seconds. so I met you 20 minutes ago. Yeah. Okay. I actually saw so much stuff that day. Okay. I had a notarized statement that I turned in to the election committee.

Starting point is 00:13:33 I was that upset. And what am I supposed to do with that? Like, what is going on? So just think about it. Okay. You see, you see all this stuff going down. And maybe others did too, but honestly, I'm not, I don't really, I'm not in that world. That's not one of my big things to.

Starting point is 00:13:50 Yeah. So this is my perspective. I go in there thinking that, you know, everything is lovely. We have our rights. And, you know, that's why I volunteered to be a poll worker. I get paid to do it regardless for my job. Well, states run the elections. Get Florida to make it more strict.

Starting point is 00:14:04 I don't know. Yeah. And the way they make it more strict is to have ID. But when you're rejecting ID, they take you off the poll pad so that somebody will accept every ID. I don't know. Florida is not a left state by any means. I'm pretty sure they have a complete ownership on all branches of government in Florida, right? If I'm not mistaken, your Republicans?

Starting point is 00:14:22 Not Tampa or Orlando. Doesn't matter. It's state election laws. Right. Yeah. But it depends on who gives you the ballot. And this led to you being with a shit ton of debt? Yes.

Starting point is 00:14:33 Someone voted illegally? Absolutely. Well, think about it. I'm in there. Everything is lovely. I believe that our government is working for us. They're not. Nobody cares.

Starting point is 00:14:44 It's done. Right? Sure. Okay. Yeah. Yeah. So I'm moved to fly. Florida. Everything's great.

Starting point is 00:14:53 Okay, so it was in Massachusetts where that was happening? No, that was all in Florida. Then why'd you say, so I moved to Florida? Okay. Yeah. Sequences. We're in Florida now. Yes. Still in Florida. Okay. You're in Florida now. Okay.

Starting point is 00:15:06 And? But I got from my little beach cottage in Massachusetts, I bought a beautiful house. Dang, you gave up a beach cottage in Massachusetts? That's like dreams and goals, though. Right, but I'm not. I don't have booed summers.

Starting point is 00:15:20 I don't have boomer wells. Well, you are boomer, that's for sure. Yeah, I'm close, I think. I don't know. Oh, you're boomer. What? I'm Gen X. Okay, okay, boomer.

Starting point is 00:15:31 Okay, we want to go to Red State. We want to leave Blue State, go to Red State. Okay, that's what I'm connecting, I think. Yeah, we're just a little more sanity, especially with all the COVID stuff that was going on. There you go. Very good. Okay, sure. So that's why you're in Florida.

Starting point is 00:15:44 Okay, so it's not because. So what, are you saying that you could have overturned the election if you were there on January 6 and that would have stopped all the COVID issues? No, but I could have been in a prison in a gulag somewhere, wherever they're putting people. So you wouldn't be in debt because you're, you would be in a gulag? Well, partially, right? I'd be done for. Um, okay, okay, very good.

Starting point is 00:16:06 So you moved to Florida to get a little taste of, uh, red. Now you're red. Very good. Okay. So you went from extreme left to extreme right. You are not independent. You are not independent. You are not independent.

Starting point is 00:16:18 You are not independent. I'm independent. when people like you say independent, it ruins people who actually are. You're not independent. I just own your shit. It's okay. You don't listen to everyone,

Starting point is 00:16:30 but you're clearly, you already have your worldviews. Dude, own it. I don't care if someone's left or right, but own it. Don't say you're independent. Absolutely independent. Bro.

Starting point is 00:16:39 I can, I do not like what Trump's doing right now at all. What? What don't you like? About, because I don't know enough about it, right? Like Iran with the war and stuff. Like, which part? Because he said,

Starting point is 00:16:51 But is it because of America first? He didn't. Or is it because? Yeah. Well, there you go. That's usually a more right-leaning populist perspective. Yeah, because we should take our people here. Well, there you go.

Starting point is 00:17:03 That's usually that position on the anti-Iran comes from the right populace, like Fontes and stuff. Okay, very good. So, I mean, that sounds screaming centrist to me. What else do you disagree with? Centrist. A lot of things. I'm socially liberal as well. What?

Starting point is 00:17:20 In some ways. In what ways? We should be able to help out people. This country has so much money. We're just printing it for some reason. Well, I mean, 50% of it goes to health and taking care of people. I can't print my own money. Well, yeah, that wouldn't be very good.

Starting point is 00:17:35 What am I paying taxes for? Huh? What am I paying taxes for? Well, 50% again, to health and taking care of people. I mean, even though I'm sure there's lots of fraud and a lot of bullshit. But, okay, so you disagree with, Lots of it. But you say I disagree with Trump.

Starting point is 00:17:55 When you say that, you just mean Iran, which has split the right. Well, it's just that all the things that he campaigned on doesn't seem to be coming to fruition. But usually those people that say that from the right-wing perspective is because not enough deportations, so they're upset with that from the Trump administration. The war in Iran, because it's not American first. What else? You're not centrist, lady. Let's just be honest.

Starting point is 00:18:22 You're not a centrist. You come from the right, the right-wing perspective. But own it. I don't give a fuck. Own it, though. Don't say you're centrist. You're not centrist. You said your only liberal belief is you're okay having a little bit of welfare.

Starting point is 00:18:36 Every, every modern economy believes that. Everyone believes that. Okay, that's it. All right? So you wanted to know how this all ended up happening, right? Yes, please. Yeah, take me there. So.

Starting point is 00:18:51 I'm, it's now 2021, bought my house, which, okay, here's a liberal thing. I bought a Swinger's house, probably. People like to fuck, believe it or not, regardless of political ideology. Yeah. Just going to let you know. But, okay, yeah, very, very left of you. I had to invest some of the money from the sale in my house into this house. So I wasn't.

Starting point is 00:19:11 It's usually how it works. We're selling a house and buying a house. Yeah. So it hadn't been updated since 93. Oh, for fuck sake. Why did you buy a house that would require that much work to bring it up to date three decades? I fell in love with it. Why?

Starting point is 00:19:23 Because it looked like a house that a Florida person would come out of in a pastel suit and a Ferrari in the yard. So it looks like a house built in Florida. Yes. I feel like there's probably more of them. Yes. The whole neighborhood looks like that. And it had a pool. Oh, that's very rare for Florida.

Starting point is 00:19:41 After grinding for 40 years. Yes, yes, yes. I deserve this. Grinding doing what? No such thing is deserved, by the way. Fuck you? Absolutely deserve it. Okay.

Starting point is 00:19:51 I was cleaning dirty hotel rooms. Well, there is an entitled more left position of you. You deserve, no, you don't. Absolutely. Work and get or don't. It's up to you what you do with your life. Yeah. But go ahead.

Starting point is 00:20:02 So I'm like 16 years old counting pills in a pharmacy and giving out medications to people. It was legal in 1986. What trauma? Okay. I'm cleaning hotel. I'm talking about like people that don't have to do these things now who are having their parents taking care of them. Like me, I was

Starting point is 00:20:23 working this whole time. And now I'm seeing like, it doesn't matter where my taxes go, cleaning dirty hotel beds in a hotel having to wear gloves. I don't know. What are you saying right now? You worked. Congratulations. You did

Starting point is 00:20:39 what everyone does. Yeah. Okay. So after 40 years of doing that, I'm done. I want to have a year to myself. Can you afford it? A year to yourself? What? entitlement is this? What bullshit it's time? F-f-you. Until modern civilization, people just worked and died out on the field. I don't give off. You don't deserve anything. I absolutely do. No, you absolutely don't. No one deserves anything. I don't deserve anything. If I work hard,

Starting point is 00:21:03 if I'm strategic with my money, I can afford, reap what I sow. No one deserves. I'm sorry. The only things I would be okay with deserve is like, yeah, maybe basic minimum food, and we got that. And, you know, just like making sure people survive. Okay, I'm good with that part. Sounds like you are too. But deserve you. You don't, no one deserves to take a year off of work. No, I work during the whole thing. I worked during my.

Starting point is 00:21:28 Sounds like you didn't take a year off. 20, 25. Okay. Uh-huh. The house looks like a normal house. I don't know. I just pulled it up on Zillow. It's very special.

Starting point is 00:21:40 No. It was special to me, and that's by my body. No. Yeah. Change the pool to salt water. What? Yeah. Painted.

Starting point is 00:21:49 inside, had to get rid of that carpet. Paint? Didn't know what was in that carpet. Had to get all the mirrors off the walls. Wow. Fully mirrored. Hero. The trauma you've been through in your boomer life.

Starting point is 00:22:02 So there goes, we're going to learn you today. Yeah, learn me something. You learned to me that you did pill separation. I definitely bet the person who gives me my monthly medication doesn't do that. Probably not because it's illegal now. What? Does fucking count pills? Letting minors.

Starting point is 00:22:19 Count pills. Oh, minors, yeah. But when? You're making money when you're young. Okay, I don't know. I wasn't, I worked this, they could shake that age. Here is all like this shit going on where obviously we don't have a government that gives a shit about us. Oh my gosh.

Starting point is 00:22:31 So I'm like, so why is, now I'm getting stressed because of work. Yeah, what's your job stressed out? Yeah. Huh? So I said, you know, I got. What's your job? I'm a project manager for energy management. You're stressed out being a project, project manager or something AI can basically do for you.

Starting point is 00:22:51 Fuck off. How are you stressed being a project manager? It was the situations that I was in within this company. Let me guess. The project became complicated. No, I could handle complicated. The people became complicated. Yes. Oh, that never happens in social workplaces, environments at all, with humans, complicated creatures. Drone it and student loans with massive interest rates, I see it on the show all the time.

Starting point is 00:23:17 People get a loan to advance their careers only to be left with sky. high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans, and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch.

Starting point is 00:23:41 The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why refi comes in. Why RefI works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans, so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you.

Starting point is 00:24:06 And if you need a co-borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona, so when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y-R-R-R-E-F-I-R-E-F-Y-R-E-F-Y-L-H-H-H-H-R-E-F-E-F-H-H-H-R-E-F-E-FY-E-FAR. Or call AAA-E-E-FY-E-FY-E. That is 8-8-E-Refi-E-E. Break free from the high-interest and get your finances under control once and for all. But here I am, like, 40 years of grinding. Oh, you did it!

Starting point is 00:24:37 I get some medical, bad news. Cancer? And I was, um, I actually have aneurism in one of my aorta's, but it was due to stress. So. Okay. Is it still there? Yes. Okay.

Starting point is 00:24:51 What do you do about it? Yeah. Well, the first doctor basically was just telling me that there's nothing I can do about it. And I'm just going to have to deal with it and it'll burst. Okay. We're going to monitor it. When it does, what happens? You die.

Starting point is 00:25:07 Oh, that's not good. Right. Yeah. So you refuse to do anything. Do you take like a medication or something? Like, I don't know. Yeah. So I did all the things.

Starting point is 00:25:18 I lost the weight. I went down to 135. I was in my goal weight. Personal choices. Okay. So this is all before this financial meltdown happens. Financial meltdown. Right?

Starting point is 00:25:25 I'm in Yolo 2025. Ah, yep. The year of January 6th. Yeah. Well, that's, that's the basis of this. No, it's not. Because I was happy, happy, happy. That happened.

Starting point is 00:25:36 You're happy until January 6 happened and then you were angry? Which led you to be in stress and getting aneurism? It's related. Okay. So. Trump was president. 2016, he won. Trump lost.

Starting point is 00:25:53 January 6 happened. That upset you. You got stressed in fat. You had an aneurysm. That's the sequence of events? Did I finally get it? 28 minutes in? Because that kind of answers it, I guess, actually.

Starting point is 00:26:08 So is that what happened? No, I'm stressed, stressed, stressed. Just with what's going on in the world. just knowing that. Okay, then the world is not for you. It's time to disconnect. Then disconnect. Disconnect.

Starting point is 00:26:21 Yeah. Disconnect. It's not for everyone. If you can't handle the fucking news, don't listen to it. And your life won't change. Like, the world won't change around you, but your life will be improved.

Starting point is 00:26:33 Some people, I like to be informed as much as I can. But it doesn't stress me out. So I'm okay. But if it's stress, you're not to the point of death. Disconnect. But nothing will change. That was a different. kind of stress. What happens if you're not as invested? The world doesn't get better or worse.

Starting point is 00:26:51 So just stop. You're dying. Well, this was my mindset. Okay. I'm just laying the foundation of the mindset of where I was when Yolo 2025 had to begin. Okay. So Yolo 2025, right. Okay. Third time I've heard it. That must mean it means something. Well, it's just when this meltdown happened. It kind of started in... 24. So here I am like working working. So Yolo 2025 started in 24. It's all bullshit. It's all bullshit. What do you mean? It's all bullshit. Let's define that worldview. If that was, if that's what defines all of your finances. It doesn't matter what you vote for. Doesn't matter who's in the, who's president. Objectively wrong. It doesn't really matter with national debt. You're correct on

Starting point is 00:27:35 that. But social policies and a lot of different things, foreign policy, absolutely. It matters. What are you talking about? We definitely, what, what? What has changed? What, what has changed? What, what has changed in terms of foreign policy specifically? No, I'm just saying in my day-to-day life. Biden, I don't think, would have done anything with Iran, good or bad, you know? He doesn't even know what planet he was on. Sure, okay. But listen, like, Trump went in, he was much more against, you know, Iran getting a nuclear missile.

Starting point is 00:28:01 You can agree or disagree with the war, but, like, I don't think Biden would have done that. Okay, very good. Well, Trump ripped up the Iranian nuclear deal. You can agree or disagree with the deal. It doesn't matter. Biden wouldn't have done that. Trump didn't in his first term. There are different things that have.

Starting point is 00:28:14 happen, okay? We're much more RUU Ukraine against Russia during the Biden administration, a lot more money going over there. Things are different. You know, where we... Yeah, just whose pocket the money is going into? No, no, I mean, even just the relationship with NATO is different. The trade tensions

Starting point is 00:28:30 and trade policies and even just the conversations around Greenland, it's different. It's a different per administration. You can't say nothing matters. It doesn't matter in my day-to-day life. Well, okay. That's the point.

Starting point is 00:28:44 That's relatively true. Yes. Now the tax cuts would have expired. Your taxes would have actually gone up a little, so it actually does kind of matter. So you can't actually say that. But, okay, closer to true than not. Right. So I'll give you that.

Starting point is 00:28:58 One thing that I did notice that changed, though, was the interest rate on my student loan. Okay. Well, that's the Federal Reserve, lady. Yeah. Well, the Federal Reserve, under Biden, I got an 8% student loan. Dude, that was Jerome Powell, who was put there by Trump in his first term. And he's terrible at his job. Okay, but that wasn't Biden.

Starting point is 00:29:17 It was during his time. I'm not sucking Biden's dick. It doesn't matter. The Federal Reserve is independent of the president. All right, and that's why we can't get good interest rates now. Yes. Why was interest rates? Because inflation was high.

Starting point is 00:29:27 No one likes high interest rates. What's worse is high inflation. High inflation is worse than high employment. That is why I am where I am now. What? After all that, all that ramblaying and you're like, that's it. That's it. You're sitting on my money.

Starting point is 00:29:47 I was sitting on money. Oh, was. Okay. Yes. And now I find out about this thing. I feel my mortality. What thing? What thing?

Starting point is 00:29:55 The aneurism. Okay. And this doctor's very negative about the whole thing and basically tell me there's nothing that they can do. Did you get a second opinion? I absolutely did. Good. That guy said, I need more salt in my diet.

Starting point is 00:30:07 We could monitor this a little more aggressively. And I will have to go for a surgery, but it is possible. There you go. So great. But I'm hearing this over a year. later. Okay. I'm already doing a second opinion a little quicker, but.

Starting point is 00:30:21 Absolutely. Absolutely. But to get a, doesn't everyone know that, but to get a heart doctor in Florida. Yeah, isn't that where everyone's dying? Exactly. And they cram up the doctor's offices.

Starting point is 00:30:33 Oh, what did you think the supply and demand? Okay. Yeah. We don't have enough doctors down there, I guess. I guess. Maybe your insurance doesn't allow. Okay. Yeah.

Starting point is 00:30:40 Maybe you don't have great insurance. I don't know. My insurance is good. Yeah. So anyway, I'm, I feeling my mortality 2024, it did start, and I went to a concert, and I hadn't gone in 10 years, and I'm like, you know what, screw it. I'm going to go to a show.

Starting point is 00:30:56 Kid rock. I'm going to. Oh, God, no. Okay. It was a joke. Although, it was falling in reverse, and I wanted to go VIP, right? It was wonderful. Yeah, the $20. And it felt great.

Starting point is 00:31:10 I felt alive. I felt great. All of this bullshit, all of that crap. Oh, my God. Yeah, surround yourself with negativity all day. It's weird when you actually do something nice. Yes. Yes.

Starting point is 00:31:22 Your brain is happy. Yes. Okay. Yeah. So there was all this bullshit going on. The world in my life, in everything, medically, feeling my mortality. Yeah. I'm going to enjoy myself.

Starting point is 00:31:35 Okay. So you spend a few hundred bucks on a concert ticket. That's why our finances are. Well, I flew to Raleigh, North Carolina for this show. Oh, no. And I got the VIP meet and greet. Oh, no. And because I had to show Ronnie Radke, my shirt.

Starting point is 00:31:50 Anyway, paid extra for that. And then I decide, you know what, I'm just going to go to all the shows I can. The money always comes. That's the thing. The money has always come. Not for your boomer, ass. Good luck getting employed again if you get laid off. Well, that's the problem, right?

Starting point is 00:32:05 And I've been at my job for 16 years, and I'm realizing that too. These companies don't care about you. Grinding for all this time. In what way? Depends how you define care. You can get let go in a heartbeat. Yes, that's not care. I care about the people working here, but if there is a budget crisis

Starting point is 00:32:25 or if someone sucks with their job, that's not not caring about them. They won't do anything. Like, nobody's going to come and say, let us help you or do you need anything. What do you mean? Do your fucking job. What do you think you're employed for? Well, I'm talking about the businesses that I've worked for

Starting point is 00:32:40 are very, like, big corporation. Sure. You want them to come? suck your dick for doing your job. I don't know. What do you mean? No. So I'm going to shows I'm doing what I want. The money always comes.

Starting point is 00:32:53 It always comes. Except not really, because you just established. If you get laid off, you're probably, no age discrimination in this country. You would be f***ed. Yeah, I would now, but I wouldn't have been before. A year ago, yes, it would have been. Well, before.

Starting point is 00:33:09 What's different? 24. Yeah, a year ago, it was Yolo 2025. That's why. It was, I'm going to do anything I want. I am going to. But you still would have been, you would have had to find another job in the job market

Starting point is 00:33:21 wasn't as great then either. But it doesn't, I'm not planning on getting laid off. Like, I'm not going to lose my job. Oh, you're not planning on getting laid off. I had money. Very good. I had money. Project manager.

Starting point is 00:33:33 Guess what's the easiest thing to replace with AI? Well, they haven't so far. So far is the keyword there. Bro. Yeah. So I... What is even in your retirement, Boomer? You can let that go right now.

Starting point is 00:33:51 Nope. Yes. Or you will be boy. I'm okay with being boy. Okay, boy. Oh, no, I'm so insulted. Okay. Yes, what's in your retirement?

Starting point is 00:34:01 About $75,000. Oh, fuck. Yeah. Oh. Oh, fuck. But I had always been responsible. Always had put money in there. Nope.

Starting point is 00:34:11 Not with $75,000 to $55,000. $55,000. I got divorced. I had to take all the money out of that. What? How much did you lose in the divorce? I have no idea. I don't pay attention to any of this. Oh, yeah. So financially responsible of you. I'm not blaming to be financially responsible. I'm just saying the money always comes.

Starting point is 00:34:29 Didn't she just says I've always been financially responsible? Well, before, I'm talking about... Okay, before, you would have had... You wouldn't know how much money you had. I never pay attention to that. Then you can't say you were financially responsible. But the money was always there. There for what?

Starting point is 00:34:46 You're in debt. You can't say the money was there. You're putting it all in debt, you f***. You're moron? What are you talking about, man? Yeah, well, the money was always there. Do you think you're ever going to retire? Because of $75,000?

Starting point is 00:34:56 No. Social Security benefits are going to be cut by a legally mandated minimum 25% by 2033. That's so we push retirement age, which would f you. Or lower benefits across the board, but that's already going to happen. Do you know why? Are you tracking that? because the boomers aren't dying off quick enough. No.

Starting point is 00:35:15 That's a big group of people that... So you don't know why? No. And I'm going to go early anyway, so I'm not really worried about it. Okay, well, the reason why is because every single dollar that's going out has to be coming in.

Starting point is 00:35:28 There will be nothing left on the side. So the moment that happens, mandatory, minimum, 25% cut across the board of retirement benefits. The only way to prevent that is, of course, rain payroll tax, or, you know, Social Security taxes or get rid of fraud, get rid of sending money all over the world. That's not going to happen, unfortunately.

Starting point is 00:35:47 But even still, I mean, Social Security is paid out through Social Security Fund regardless. So that's not going to give any country another. Money wouldn't change that unless they allocate more money towards that through a different tax. I don't know. It's up to you. I guess. I don't know. Well, you have no idea what you're talking about.

Starting point is 00:36:02 You don't even know why your benefits would get cut. How are you going to retire with that 25% cut that is maybe going to happen or the age gets pushed? And you have $75,000. That's what I want to figure out because I am going to live now. It's a different ballgame. Okay. That's contradicting when you just said you're not going to be here for very long. Well, I'm going to live long enough.

Starting point is 00:36:22 I want to retire like yesterday. I want to be done. Well, good luck. You kind of threw around your entire life and didn't pay attention anything and was not financially responsible. Now you have $75,000. And you know what's going to happen, ladies and gentlemen? I roll my f***ing times every time I see it now.

Starting point is 00:36:36 You know what's going to happen? She's going to be 70. And there's going to be a clip online on $1,000. Twitter or TikTok or a news piece. About a seven-year-old working a cashier position at Walmart, and we're all going to be so sad saying, oh, you know what her age should have to work to pay the bills. She lived her entire life around.

Starting point is 00:36:55 Did whatever the f*** she wanted, didn't sacrifice one thing. And then she's going to look old, sad and pathetic. For one year. No, dude, your entire life, you probably lived beyond your means. You didn't, you can't tell me how much you had. I know with the money that you have been making throughout your life, if you sent 20% aside on a yearly basis, you would be retiring a multi-millionaire

Starting point is 00:37:18 with what the stock market has done in your life. Fuck you. So there's going to be a pathetic, sad story. Then we're going to get bad policies, raising taxes and bullshit like that, to give more shit to her, the generation that had everything and sacrificed nothing. And then they look at on camera.

Starting point is 00:37:34 F-f-off! You should have sacrificed some shit. That was the boomers who were given all that. Girl. You're like two years different. Shut the fuck. The point is. The same thing's going to happen every generation with the sad video of an old person that shouldn't have to work to survive.

Starting point is 00:37:48 You just decided not to do anything. You could be a multi, multi-millionaire. But the income you have had throughout your life. Yeah, if I stayed in a bad marriage and continued along with that. No, no. No, it has nothing to do with that. I was a divorced parent of two kids. I don't give a, even if you're contributing 10%.

Starting point is 00:38:05 You would have been a multimillionaire. That's fine. But it couldn't happen then. Yes, it could have. No, I couldn't. You didn't spend one penny going out to eat at all. I barely went out to eat. I was all getting...

Starting point is 00:38:14 Lies, lies, lies, lies. I didn't even graduate from college until I was 30. I don't give a shit. That doesn't matter. 30 to your 56 with what the stock market has done, 10% of your income throughout those years, you would have been in a couple million bucks. You absolutely did. I was laid off for 18 months during that time as well.

Starting point is 00:38:31 18 months out of multiple decades. And that money had to come from somewhere. And it came from my retirement account. I know for a fact, you just think in a match. Match free money. Yeah, I have that right now. Now, oh my gosh, she doesn't understand. I know for a fact, I look through statements for three, three days a week.

Starting point is 00:38:51 Three days a week, multiple years. Everyone thinks they don't spend money. You spent money. I don't want to- I have spent money recently. But I'm saying all along. There is not a single piece of me that believes that. And then who even knows how long you're going to last to this company?

Starting point is 00:39:07 No offense. You're one of the first ones to go. You're slow. lower. But I'm not, actually. Yes, you are. No, I'm not. Your productivity is probably considered less.

Starting point is 00:39:17 No, it's not. Probably. And again, just job, like AI project management, good luck. Our younger people can't even get out of their own way. Says the boomer. Like, I don't know. It's just like generational division, blah, blah, blah, fight, fight. I don't know.

Starting point is 00:39:35 But probably on an actual. No original ideas. Like, I can't even go there. Yeah, project managers. That's who we look for ideas from. We do have to figure things out. And it's hard to figure things out when all you do is watch videos all day

Starting point is 00:39:50 and be whatever you're doing. You have a little resentment there? Yeah. Why? Why are you resentful? Because that's bullshit. What? What? What's going on? Because I didn't have anybody that was supporting me through things.

Starting point is 00:40:06 Yeah. So I'm just saying. Yeah. So it's hard to problem solve when you never had anything. thing happened to you. Life is super easy, and that's when you have to make up shit to get upset about. Shut the fuck up. Housing costs are more high for younger generations than your generation. By far, not even close.

Starting point is 00:40:28 Absolutely. Costs of education beyond higher. Health care costs beyond higher. Now, for what it's worth, I will give you one thing, the cost of having things for fun. The costs of groceries as a percentage of your budget is lower now than practically anytime in human history. So younger generations, we got that going, okay? Got that going.

Starting point is 00:40:47 But you had lower housing costs, lower educational costs, which leads to higher income because education easier to get into, easier to get higher income, cheaper costs to go. And health. So necessities to survive, two, and then one, to increase your income, those things are more unaffordable now than ever. So, fuck you, victim bullshit. Just shut up.

Starting point is 00:41:05 Shut up. Not a victim. I didn't have anyone to help. You were married for a bit. You had to help for a bit. And you didn't. Then you're a single mom. Oh, no.

Starting point is 00:41:14 None of those exists in this country. Yeah, I married. I did everything the right way. I married my high school sweetheart, cabin of the football team, the whole bullshit. Well, in the 80s, that's what was kind of the thing. Whatever. So anyway, yeah, I had to support two children during this whole time myself. Yep.

Starting point is 00:41:36 No one ever did that throughout human history. Not in having matching 401K and everything else. I had to use all my money. Plus, I had to go to college. on my own. I couldn't get student loans and stuff. Why? And actually, well, I do have some student loan because I was getting my master's degree.

Starting point is 00:41:53 I'm back in the 80s, all they would give you for your student loan is exactly what your tuition was. Good. No money for books. Exactly. That's how it should be. Getting my master's degree, you know how much they want to give me in a student loan? $20,000 for $3,000 class. So all these people that are saying, my student loan so high.

Starting point is 00:42:11 It's not to take as much. You're right. Exactly. No, I'm not an advocate for student loans. Student loans have made what school is. It's so expensive. Don't give me wrong. That's what elevated the price.

Starting point is 00:42:20 But you're complaining that it paid for school. Like, shut, what was your point? You claiming this victimhood is so stupid. Okay, so this is what I'm being told. You stopped getting your master's degree because there was an immigrant in your class. No. What? My God.

Starting point is 00:42:37 That's part of a larger story. Of an immigrant? So I'm getting my master's degree. Now, everybody in this class is supposed to have a bachelor's degree, right? All of them. Okay, you didn't check someone's ID when they were coming into class. No, because who cares, right? We're all in the same program.

Starting point is 00:42:54 A 17-year-old walked in. We're all going to get the same degree. Got his bachelor's degree, right? And as these Brazilian girls, I'm one of two Americans in the whole class. Doesn't matter. Okay, so we're all in there. You were getting jealous of the beautiful boobs and tits from the Brazilians. No, I'm sitting in the back because I'm the oldest student there, clearly, probably older than the professor.

Starting point is 00:43:11 It's in the industry that I've worked in, by the way, and he's giving us stuff from 15 years ago. Okay, I'm proud of you. You're the oldest in the room always. Well, anyway, in college, yes. So anyway, kids sitting next to me, supposedly has his bachelor's degree. The girls are sitting in the front. He's got sweatpants on. Oh, no.

Starting point is 00:43:29 Masturbating in class in the back of the room. So this is a man with his bachelor's degree, actually. Does he really? What do you think he was masturbating? He had his hand in his sweatpants. Just. Mm-hmm. Gliding along.

Starting point is 00:43:42 Gliding along. Okay, that's not confirmation of masturbation. Oh, come on. It's very weird, but when you said that, I was like, it's kind of the things that you see, like I was expecting dick out was jacking. Like, that's, I know for a fact. Well, that he would have got caught,

Starting point is 00:43:55 but doing what he was doing. Well, how do you know he was masturbating? Because you could see it, you could hear him. Oh, okay, okay. Sounds like he was masturbating. That's not good. We're in the back. That's a bit weird.

Starting point is 00:44:05 Very. What class was it? And the only reason why, well, this was an energy class. I don't know if I could bust the energy. Yeah, we were learning about, biofuels, which... Okay, now you're getting me going. That's bullshit.

Starting point is 00:44:14 So anyway, he's definitely masturbating in class. And if I dare... And he's from Guyana, which he wanted to tell everybody, good for him. We all had to introduce ourselves. But the thing is...

Starting point is 00:44:26 So he told everyone during the introduce ourselves section. Yeah. What a criminal. No, the reason that he's a criminal is because I guess they give out diplomas like TikToks out there. Are you telling me that a kid in Guyana could get a degree in any

Starting point is 00:44:41 anything, supposedly a biology degree, and be masturbating in class? Like, you had no self-be- I don't see the correlation on those two things, I'll be honest. Well, you'd think that somebody, at least that could sit through a degree program of any type, or even any type of skill, even to work anywhere, he should be able to control himself from masturbating. Maybe he sounds like a pervert, but there's, I mean, there's smart perverts. I mean, he's- That's disgusting. Well, yeah, but I mean, you know how many elected officials are resigning? these past couple weeks by being perverts, but they're also very smart people getting where they got.

Starting point is 00:45:15 Like, there's perverts that are smart. Yeah. It's not necessarily correlated. But my, so with that, like, if I stayed in school, he's going to get the same degree as me. Did you report him? Also, who, this is. Oh, if I reported him?

Starting point is 00:45:27 I'm sorry. As a white woman, are you shitting me? If I said, hey, the guy in Guyana. Girl, this is one before DEI. No, this was like two years ago. Oh. Yeah. No, even still.

Starting point is 00:45:40 No, masturbation, cancer culture, woman? Absolutely. Come on, white women, perpetual biggest victims in this country. What are you talking about? You were set up for success. I had, I warned the Brazilian girls. I said, watch out for that guy. Don't let him follow you out of class.

Starting point is 00:45:53 Okay, maybe talk to, like, a professor, or security or something. Report them to the police. I don't know. You suck with money. So you download a budgeting app. You start with the classic one. Wineab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar.

Starting point is 00:46:09 That's Dave Ramsey. personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end. Then there's the new guy on the block, Monarch.

Starting point is 00:46:26 Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise, built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

Starting point is 00:46:44 Download it now, start the free trial, dollar wise.com. Link in the description below. That's kind of fucking 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 $200 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 API interest rate.

Starting point is 00:47:10 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. Anything but like, hey, BBL's dude's jacking it. Like, I think there's alternatives beyond that. Okay.

Starting point is 00:47:23 Now, your reason for dropping out is because, wow. That's part of it. Then my degree would be worthless because the guy that masturbated would have it to. No. How about you actually just do to improve your life? Never sit by him or actually take some action and report him. He's objectively the bad guy in the situation. but you chose not to report.

Starting point is 00:47:41 Like at that point, it's hard for me to be like, oh, no. You didn't report. Like, what am I supposed to do? Okay, because he's from Guyana. He's going to. What does that do? What does that mean? Because here I am, like, picking on somebody who's from another country.

Starting point is 00:47:58 That's a protected class right now. You're a white woman. There has been no other people put towards advantages in this country's history in the last five years. years than white women. You guys have been everything. What do you mean? Girl, you could have canceled him in about half a second.

Starting point is 00:48:16 Just like you said about the boat. Dude, one way longer from you and that dude would have been beheaded. Oh, please. What? Have you not seen what the country was a couple years ago? What are you talking about? You a white woman, you could have ruined everything. And fairly for him, by the way.

Starting point is 00:48:31 It would have been. Yes, and you could have. But I couldn't have. No. No, absolutely not. And like you said, Because like you said about the vote, I only saw it. So it can't be a fact, right?

Starting point is 00:48:42 No, no, but a white woman, dude, you can brush up against someone's leg claim that dude's career will be ruined as a white woman. Absolutely, you could have. That guy saying he was jerking off in class, absolutely. And I guarantee you they have cameras in there anyway. But even if they don't, regardless, you could have canceled him in a heartbeat two years ago. It's a little better now, but there's still some crazy people. You could have, white woman?

Starting point is 00:49:03 Absolutely. You fucking me? I wasn't going back to that class. No. Plus, it was all outdated stuff. We're talking about... Oh, no. You're just there to get a degree. I don't give a shit if things are outdated.

Starting point is 00:49:15 I do give a shit about the masturbated, but you chose to not do anything about it. Because I'm not learning anything. That doesn't matter. That literally doesn't matter. You're getting the degree for your income. I don't give a fuck if you're learning. I mean, I wish schools would teach. Student loans.

Starting point is 00:49:29 No, you're getting a degree for your income. Isn't that what you were there for? Yes, that's what I thought I was going to do. What the fuck are you talking about then? Plus, it's interesting. I love the energy industry. I think it's fascinating. But I wasn't learning anything.

Starting point is 00:49:42 So that would have been great for me. And I started it in 2020. That's when I started that degree because I was so bored in my house. Started the degree online, but ended it two years ago. Well, keep taking it online. Everyone's jacking off.

Starting point is 00:49:57 Trust me, in online classes anyway. You just don't see it. Fowl. Oh, just masturbate your clit along with them. You'll be fine. That would get rid of some tension. And some dust. What do you think your financial score is zero to 10?

Starting point is 00:50:11 Zero being the worst, 10 being the best. Zero right now. Yeah. If you want your Hammer financial score, get it for free at Calebhammer.com. It is free. You can see where you stand in the world of money. It just takes a few minutes. It's pretty awesome.

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Starting point is 00:50:43 You get mine with the digital version of our cookbook that teaches you every single recipe as well. You get that signed by me, mail directly to you. There you go. Thank you. That's for you. You're welcome. How much do you even fucking make in this job?

Starting point is 00:50:58 I didn't even ask project manager. Oh, well, this is what's so sad too. All these years. I just cracked $100,000. Oh, what a victim. Kill it. What in Minecraft? What the f-

Starting point is 00:51:11 What am I supposed to do with that? After 40 years. Oh! Oh! Like, fuck off! It's like 65. Shut the f*** up. You're doing well better.

Starting point is 00:51:27 Is it? I have no idea. Oh, my gosh. You have no perspective on anything. No. Shut the fuck. What is your account on a monthly basis? I haven't been paying attention. The money always comes.

Starting point is 00:51:44 I've never had to worry about it. My credit cards were always paid off at the end of the month. I was very good with everything. Was. Until. Exactly. I took a year off to have a good time. You don't get to do that.

Starting point is 00:52:01 You can have a good with 100,000 hours a year. What were you making before? Well, around that, because this is raised from 16 years. If you live 50, 30, 20, 30% of 100,000 hours is a pretty good damn year. Multiple European vacations if you wanted to. Shut the fuck up. You entitled brat. I earned it.

Starting point is 00:52:19 I've been grown. grinding forever. Oh, I had a job. Without a break other than when I was laid off, and then I had to... Bro, you were literally complaining about what every other human being in existence has to do. And you're getting paid very well for it, so I don't care. You have a house. I don't have a same thing.

Starting point is 00:52:36 You afforded a house in Massachusetts. That's how okay you were doing. Shut up. Is this single mother you afforded a house in Massachusetts? Cry victim? Shut up! That was a good investment. That was a smart thing that I did.

Starting point is 00:52:54 You're not a victim, you pathetic worm. 56 years old, you don't know what hits your account. Let's find out. Oh, yes, what would you like to say? Well, I sprained my thumb and it's sore. Okay, income, I had pay a roll $7,170. Very good.

Starting point is 00:53:13 Strong income for a long time. Not a hundred thousand hours, and she only has 75,000 hours at 56, three years before she can take out from her 401k and IRA tax-advantage accounts. $7,100. I lost it. $70.85. Good income.

Starting point is 00:53:32 You're fine. Hold to your kids. 30 and 32. You're doing the classic selfish parent thing. Dup your entire life last year. Now they're going to have to bail you out when you're too old and you get laid off and you get... I'll do whatever. I'm not...

Starting point is 00:53:46 I'm not some... like pampered princess. I don't have to have everything just so. What the fuck? You said you deserved a year off. I did. Yes. Not pampered, die.

Starting point is 00:53:56 In my car. Shut up. So why is this mortgage first? Why do I see a mortgage? $2,700, $2,700, $27,000, $275,000 and $35,000. My goodness, I'm like, yeah. Yeah, so I was doing business with friends. You were not even behind.

Starting point is 00:54:17 I thought you would be behind. It's the first one. $3,3.23.97. Yeah. Okay. Yeah. That mortgage makes sense for your income situation. I'm vibing. What's up? So I got an FHA loan for the for for the mortgage. My friend. Yeah. So I hardly had to put anything down. That's how I had all the extra money. Which is stupid. Okay. Yeah. Well, here my friends are telling me this is what they need to do. Maybe she had a quota of for FHA mortgages because this is the same person. Oh, your friend was the one. you the loan. Yes. And last year, I refinanced. I was in a 3% loan. Oh, why'd you do that? Because I needed some more money to go to concerts. What? And what she told me was...

Starting point is 00:55:05 Who are you even seen? Are you going to festivals at least? Yes. I went to a couple music festivals. What? Incarceration in Ohio, louder than life in Kentucky. Where'd you go to any of the ones? Cochello's happening right now. I'll be going... So the top of... four music festivals that aren't like genre specific, like just general music festivals. If I'm not mistaken, it is Coachella, Lollapalooza. What's the big one in like Wisconsin? It's huge or Minnesota or something. And then A.C.L. at Austin.

Starting point is 00:55:33 Those are the four largest musical non-genre ones. And then there's electronic festivals and blah, blah, blah. You didn't go to any of those? No, because I went to, I'm not into that music. What? It's every music. That's the thing about those music festivals. It's every music.

Starting point is 00:55:47 Yes, there's metal there too. Yes. I went to a fucking. metal concert at ACL last year. But to get more value out of your concert, so you cashed out refinance your house. Right. So what she told me, what she told me was not going to impact anything.

Starting point is 00:56:06 I'm taking some of my equity. Yeah. So then when I... I know how that works. Well, I don't know how that works, right? You were taking out equity. Yeah. So I'm taking out a little bit of equity.

Starting point is 00:56:16 And I'm knowing I could, I have a ton of equity in my house. because I'd always paid ahead on my mortgage when I had money. Okay. Just always, right? I don't know how much equity that would accumulate in just a couple of years, but okay. Well, the houses are going for 400 right now. So I'm like, this is fine. Decent.

Starting point is 00:56:31 So. I mean, you make good money. I don't understand how you couldn't cash flow concerts, but okay. Sure, sure, sure, sure. So it was at 3%. Now it's at 6. Now my payment has gone up. Yeah.

Starting point is 00:56:42 And so then I was like, whoa, what happened? And then I just heard because I said, hey, the interest rate's gone down. can we refinanced? And she says, oh, no, there's a cost associated with that. Yeah, it usually costs money to refinance. I had no idea because she's doing it. She's telling me I'm just taking out some of my equity. You're not 26.

Starting point is 00:57:02 You're not 26. Because I don't care about mortgages. I don't care about... What do you mean? You've been in mortgages since forever. Yeah, and I go to people who are supposed to look out for you. This is why every booker. It did not happen. Yep, and it did not happen.

Starting point is 00:57:14 I've been scammed many times. Oh, yeah, you have. Mm-hmm. Oh, yeah, yeah. Yeah. Yeah. So it's all the time. You know.

Starting point is 00:57:24 It's Pam. All the time. Oh, I didn't know what you were saying. Okay, you said you really, I thought maybe you said like the end word or something? I don't know. You just got, you were so shocked when you said it. Yes.

Starting point is 00:57:34 How frequently do you say the hard R? Never. I have no reason. Because I have no reason to use that word. You're racist. I am not. I just assume. I don't care.

Starting point is 00:57:44 About what? I don't care about anything. You don't care about black people? Oh, my God. We call Tyler. My high school is half black. That's how we grew up. It's enough.

Starting point is 00:57:55 And what's your opinion on BLM? Well, I was actually all for that in the beginning. I was about it. I want to donate my money because I'm very... What's your opinion? Well, I found out that was bullshit. Come on in. Oh, nice haircut.

Starting point is 00:58:11 I didn't even see... Tyler, she said she doesn't care about black people. Oh, my gosh. That is not what I said. She did say that. I said, I don't care about any of the... that bullshit. What is any of that bullshit?

Starting point is 00:58:22 Like any type of racial thing, who cares? Oh, so you care about all of us. You with us? Yes. Put the fist up. Yeah, well, what's your opinion on? That's all I'm talking about. BLM.

Starting point is 00:58:31 Well, BLM, I was going to donate to, right? Because I'm thinking. And then I educated myself. Oh. Oh, what did you educate yourself on? What'd you find? Well, I dug into how they get their donations. And it's through Act Blue.

Starting point is 00:58:45 3% of all their donations go through Act Blue. which is a Democrat. And I was like, I'm not donating to a political party. I want this money to go to this cause. How do you think George Floyd died? That's the wrong hero to have. That is a wrong hero to have. If that's what you're hanging your hat on, that is a mistake.

Starting point is 00:59:17 Three funerals during COVID. What the F was that about? I mean, I'm going to my brother for real, man. Don't listen to her, guys. RIP my brother, man. Amen. Thank you, Tyler. Always.

Starting point is 00:59:32 I think I'm in love with him. Tyler? Yeah. Tyler, she's in love with you. She's in love with you. Oh, thank you. I appreciate that. Okay, okay.

Starting point is 00:59:44 Okay, very good. All right. Okay, so, okay, your mortgage payment's higher now. Yeah. Trauma, again, I guess. It's just bullshit. Like, why? Really?

Starting point is 00:59:54 You refinanced. You took money out. You got a higher rate. It's not. Yeah. Well, it was supposed to just be equity out and no worries. So you can do. in your special 20-25 year.

Starting point is 01:00:04 About $20,000. What the f***. And it's still in... How? How? Going to VIP. Oh, for fission. What the fucking is...

Starting point is 01:00:12 What the fucking is lying? Oh, 20,000 on concerts in a year? When do you have 75 in retirement at 50? Oh, you fucking moron! It was so... If there's a sad video of her working at 1-M-M-Mod at 75, I want no tears. Never support those videos. They have...

Starting point is 01:00:32 had every opportunity. Unless they were in literal poverty in their entire life, they had every opportunity. I have no sympathy. I see people spending every single day spent 20,000 hours last year. Then she's going to be like, oh, I'm a boomer retiring. Oh, I can't afford to survive. No person should be at this age working. Yes, you should if you chose not to sacrifice. It's not on us to take care of you, you fucking piece of shit. No regrets. It was a lot of fun. And I needed it. And we shouldn't take care of you. Nobody's going to take care of me. Nobody ever has.

Starting point is 01:01:04 If they want to increase our taxes when you're a boomer, when you're a fucking retired ass, and we have to take care of you with higher Medicare or Medicaid and all that, and higher Social Security, if we have to increase Social Security taxes because of your ass, that's what they're doing now, because there's way more of the boomer generation than there is of GenX. GenX is the smallest generation.

Starting point is 01:01:27 So if anything, younger people are going to have a, they shouldn't be paying as much into Social Security at some point. Boomers were a big generation. That's why they would call boomers. I know. Yeah. So we've all been supporting them. And they've been retired since they were in their 50s.

Starting point is 01:01:48 Believe me, I live amongst them. Okay, if I'm not mistaken, the last rate change for Social Security taxes in 1990. So you can't say they're doing that now. Social Security taxes. No, they're collecting Social Security, though. They're getting their doctor's visits paid for it. That's what I'm saying. It's not unfair that they did that, but it's a set to fail.

Starting point is 01:02:12 Absolutely. With the declining population and everything, it doesn't make any sense. 1990. Yeah, well, the population should be declining at some point. Well, that makes no sense because then it's two, in a couple decades, we're going to be at two workers per one retiree. How can we afford that? That's fucking you.

Starting point is 01:02:33 What do you mean it should be declining? Which one do you want? The boomers are declining finally. Yeah, but you still needed a growing pop. Oh my goodness, you're a moron. Okay. Wham, you have a higher mortgage rate. I don't give a shit.

Starting point is 01:02:44 This generation, Gen X, is much smaller. There's going to be a lower pool of people that are even going to collect anything. It doesn't even matter still. In a couple decades, it's still going to be two workers per one retiree. Regardless. It doesn't matter. Okay. Why do you have a debt?

Starting point is 01:03:00 consolidation. Because the money always comes and that's where it came from. Oh my, that's not money. That's consolidating. What do you mean the money always comes? Because you applied for a loan? The money was there. It's the money. It's debt. What do you mean? Is this actually, when you say the money always comes, this is what you mean? Yeah. It always has all along. So right now. So what you mean when you say the money always comes is you can apply for more debt? There's always money there. No. Until they say, no, no, no. Because your credit or something is shit.

Starting point is 01:03:38 You just can't afford your debt to income ratio. Shit. $3.68.11 cents. That alone wouldn't make or break you, but we have a lot of paperwork to go through. Higher mortgage payment now. Oh, Lindsay said she thought this was free money. I'm not kidding you.

Starting point is 01:03:55 You actually thought this was free money. The money's always there. It always comes, right? What does that mean to you then? That I don't think about it. I don't think about any of it. And how has that worked? It's worked fine.

Starting point is 01:04:07 Until now. It's worked fine until now. It literally has it. It's only stacked up until now. Now you're just facing the consequences for your actions that haven't been working. Of the one year that I took. No. And part of this year.

Starting point is 01:04:21 You only have $75,000 in retirement. That is your entire life. That's not just last year. Right. But it's never been an issue. I've never had to have a budget. Are you? No, because when they were young, we did the same thing.

Starting point is 01:04:35 No, of mother. No. Extreme political. Oh, my gosh. Extreme political, not going to be able to retire or sacrifice anything, mother. No. You smoke? No.

Starting point is 01:04:46 Did you? No, never. For a son. You wear a sunscreen? No. Never. Ding, ding, ding, ding. Found it.

Starting point is 01:04:57 Gotta wear a sunscreen, especially in that Florida, Fri-a-ha-ha-ha-ha-ha-ha-ha-ha. Look what it's done to you. No, because I'm half, I'm part Portuguese. Look what it's done to you What? I guess it's irreversible Is it irreversible?

Starting point is 01:05:10 You've got all the sunspots and wrinkles and stuff Yeah, and I'm also 56 I know, but 56 girls who wear sunscreen every day Have much smoother skin, it's fine Just like, do we need an additional diagnosis in your life? Skin cancer Oh, sake Okay, it's only 6% paint off

Starting point is 01:05:30 So you just got this. It's a 12.6% interest rate. What's wrong with you? That's free money? 12.6% interest rate. It always comes. Yeah. Interest.

Starting point is 01:05:41 Well, because I've never had to have a budget or anything. And then once I'm kind of looking at it, kind of. You always need a budget. Just because you didn't see what was happening doesn't mean you didn't need a budget. That logic doesn't make sense. Yeah, just never. I never had to. The kids always, we always had video games.

Starting point is 01:05:59 We had. Because dead. We went to. And not putting money aside for retirement, not any personal responsibility. And then we're going to have to take care of you. It's pathetic. The money always comes.

Starting point is 01:06:10 Yeah. No, the only thing coming is to do it in the back of class. He didn't finish to that nuclear power plant talk? Those are some big holes at the top of those things. This makes no sense. I just don't understand. Why the fuck you are doing this in your second half of your 50s? 50s.

Starting point is 01:06:32 Take consolidation to 12.6%. All that grind in. Shut the fuck God. You've just worked a normal-ass jobs. I don't want to hear it. I had a job at the same age as you did when I started as well. I'm not complaining about

Starting point is 01:06:48 having to work as steak and shake at 15. Well, when you're in your 50s and you want to have a year of doing whatever you want, you'll deserve it. I felt late. I know there's not entitlement in this world. I know that I reap the rewards of what I put in. And if I'm being smart, I was reaping my rewards.

Starting point is 01:07:06 There was no reward there, though. You just took something that didn't exist, and now you're paying for it. That's debt. You put it all on debt. Oh my goodness. The money was there. Credit card.

Starting point is 01:07:16 Have I even seen this? I don't even know. I don't even know if I've had this before. This is like new. Venmo credit cards are new. And you immediately just were like, oh, there are three money. No, I actually got that one for my daughter

Starting point is 01:07:28 so that she could build her credit. Oh, yeah. You're a great example of that. Well, I was before. Okay. Well, who's spending on it? You or her? Me.

Starting point is 01:07:38 But she's on it? No, she's not. Oh, thank you. I didn't want to put her on it now. Why do you spend $266.32 in the previous month if you're not even putting half of that towards the card? It takes two years to pay off minimum payment only without any additional purchases, of which, oh, you like to purchase. Balance, $539.9.0.30-dollar minimum payment. What the fuck are you doing?

Starting point is 01:08:00 I don't know what I bought. I have no idea. Oh, well, how about it? Carnival the Fun Shops. Serious XM. You're telling me you're not a boomer. Taco Bell. Well, that was on the Carnival Cruise.

Starting point is 01:08:14 Taco Bell? No, the whatever. Serious XM? No. Oh, the one that says Carnival? Yeah, I assume. Yeah. That was from the shiprocked cruise.

Starting point is 01:08:25 Isn't Carnival the... It's just a little... Trashy. Oh, really? Really? Why? Why is it trashy? Starbucks is bullshit and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well.

Starting point is 01:08:47 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 Gatorsubs. 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 GamerSubs.g. Or click that link in the description below.

Starting point is 01:09:13 Type in code Caleb. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join in. That's a promise. Oh, because everyone's just throwing ass and, uh...

Starting point is 01:09:36 Who is that? People, trashy people. Just bouncing, throwing ass. Yeah. Smoking weed? I didn't see any of that. Really? Not on your carnival?

Starting point is 01:09:44 Did you have Carnival elite? No, we had the whole ship for people that listen to metal. Oh, yeah, no, no, no. Yeah, so there was no trash. No. Oh, they've banned rap music on Carnival Crises. Why? Because just, dude, listen, okay, listen, I know.

Starting point is 01:10:01 I'm making like, ha-ha, silly little racist joke. But the thing is, it has absolutely nothing to do with the fact that, unfortunately, the videos. Okay, unfortunately the videos, the people were, you know, we're majority black, yeah, yeah, put it in there. But it has nothing to do with that. It's just the fact that it was just an endless chaos machine of just crazy parties, and it just looked horrible. And it was making the brand not sell well because no one wanted to go there. That's probably why they do these cruises now. Yeah.

Starting point is 01:10:31 I mean, there's themes cruises everywhere. Well, this was the first one I had ever been on because I wanted to treat myself. Apple Card, what's going on? Apple Card, 2000. That's my favorite one. Oh, you have a favorite card. Yeah, because if it comes up to where there's no money on it, I can throw money on it real quick and it credits me right away. I know.

Starting point is 01:10:53 That's part of the money always coming. That's not money, you moron. That's you putting money. Oh, my, this is spending is insane. saying I, there are no tears when you can't retire, and we should not at all raise taxes, especially Social Security taxes, because she can't retire after what you're about to see here. $2,0.79.68 cents with $58 minimum of the payment. Door-dashing, hungry howies. Home chef. Craft light brewing, Apple bill, door-dashing green tea. Apple bill, Apple bill, Netflix,

Starting point is 01:11:28 T-Moo. Louder than life. DoorDash and Hungary Howie's Apple Bell, YouTube Premium, Instacard. You, it's all bullshit. Well, louder than like- Bullshit! Music Festival. Save up money for retirement. Pay off your debt.

Starting point is 01:11:44 You entitled piece of shit. High interest, interest accruing. Payments not being made. Only when you want to spend more. Mission Lane. Oh my goodness. You spent $2,593 on this. Interest accruing, 19 years to pay off.

Starting point is 01:12:01 to die. You purchase $2,593. Die. Death. Absolute death. Mission. You owe $4,659. $0.16.

Starting point is 01:12:19 Minimal monthly payment, $130. $17. $0.72. Are you going to be alive? Probably not. Because my aneurysmal burst. I thought you's, but you might be able to get rid of it, right? Well, I have surgery.

Starting point is 01:12:34 Yeah. Yeah. It's. Can you get surgery? Possibly. Okay. I mean, which one's riskier? I have no idea because I don't pay attention at the doctor either.

Starting point is 01:12:44 It's not my job. It is, actually. What are your kids? You have grandkids? Yes. Okay. You want to be around a little longer? I would like to.

Starting point is 01:12:57 Let's pay attention at the doctor then. I do. I'm a great rules follower. What's, okay. Then what's riskier, the open heart surgery or just keeping it there? I would have to ask. Because he has told me, or I would remember. What has he advised you do?

Starting point is 01:13:12 That we're going to monitor it. And if it gets one, it's at like 38, if it gets to 40, that's when it bursts. You're saying that at 8% the bonds fail, and we are already at 4%. That's right. So when it's at 39, we can do surgery. Okay. How easy is it to go from 38 to 39? I don't know.

Starting point is 01:13:30 Well, what's weird is I never had this problem before. So that was my worry. If it can come along that fast, it's nothing I ever had. before. So how did you even get to 38? I had unregulated blood pressure where I was just like passing out all this time. Actually, no, I wasn't then. You just told me you lost like a hundred pounds or something. I got down to 135, but that's part of my yolo from from 170. Okay. Yeah. But I gained back. I was 135 and then I've gained back 20 pounds. Okay. Well, you just, you know low. You only live once, that yolo? Well, your once is coming to an end. If you don't

Starting point is 01:14:07 keep your weight in blood pressure under control. Are you on blood pressure medications? Very minimal. Okay. Well, at least you are. A blood. You die is better? And they recommended more salt? Yeah.

Starting point is 01:14:18 He said more salt for like the... Maybe that makes sense. I don't... Yeah, because I don't... That's not my thing. Yeah. Okay. Okay.

Starting point is 01:14:28 Okay, so the 2000 we spent on here. Welcome to... I don't know. You spent $893. Welcome to Rockville. The other... The other one, but that's paid off now. The other festival.

Starting point is 01:14:40 Okay, amazing, Amazon, Amazon, allure her hair design. Oh, that's my friend, yeah. Oh. She put purple in my hair for the... Carnival Fun Shops. Yeah. Welcome to row 26.

Starting point is 01:14:51 Carnival Horizon. This is just ridiculous. That a 30% interest rate, basically. This is so stupid. This is so stupid, man. Oh, when you refinanced eight months ago, you paid everything off. And now these are back up to the...

Starting point is 01:15:06 Pathetic. It's honestly pathetic. It really is. Like, I'm losing my energy to even have the, to even feel outrage towards all this. It's just pathetic. Quick silver. What's going on? It's another card.

Starting point is 01:15:21 Oh. Wonderful. You actually didn't suspend, surprising enough. Oh, you really can. It's basically maxed out at $3,000. Yeah, $936. And $0.8. Oh, sorry.

Starting point is 01:15:35 New balance, $3,853. still basically maxed out though 68 cents minimum monthly but 18 years above minimum monthly payment 1.23 Yeah I guess you don't really care

Starting point is 01:15:47 if you're not going to be here for a while what about any debts your kids will have to settle in order to get access to your assets though I don't think there would be anything right it depends on the debts also depends on the states

Starting point is 01:15:59 I don't know okay Navy wow old Navy yes so that one actually, you know, because they give you a discount when you open up the card on what your purchases were. Oh my goodness. You fault for everything. So I did that. But. And you're more than paying for it with $70.23 a month in interest.

Starting point is 01:16:22 Well, and that's what kind of made me think twice about this plan. Oh, you had a thought. Was that they cut my credit limit. And that's never happened to me before in my life. Yeah, it's because you're shit with money. 17 years to pay off 107.13 minimum fee payment. You owe $3,700. $60.95. Oh my goodness, you purchased $2,000 on here. Unf-in-old Navy while it's a grew in $70 in interest. Oh, my, can use it anywhere. What are these Apple f***ing things? Apple Bell, Apple Bell, Allure. Twizzlers keep the fun going. Yeah, I know. I just stopped whatever you were listening to

Starting point is 01:16:55 to tell you that Twizzlers keep the fun going. Well, irony isn't my forte, but twisty, chewy, yummy Twisler sure is. So think of Twislers as a little palette cleanser for whatever's queued up, which, by the way, should be coming very soon. Like any second now. Okay, Twizzlers, time to keep the fun going. Air design again. Bullshit. Protoveda.

Starting point is 01:17:20 Ship rocket. Ship rocket? Ship rocked? Oh, my death. Apple Bill. Ship rocked it. The cruise, cruise, cruise, cruise. Apple bill.

Starting point is 01:17:30 Seaport parking. Wendy's Dunkin' Donuts. Market Plaza. Guys, she doesn't spend that much money. Apple Bill, Apple Bill. Funeral. Court. Oh, that's the funeral portrait. That's a band. That was March.

Starting point is 01:17:42 Okay. She got to get Birch. A little bit of foreshadowing. Is it? 33.24% interest rate on here. This is where you're spending on your money? This is ridiculous. Give me your phone.

Starting point is 01:17:57 Me? Yeah? No. No. No. Someone that's not on camera. I don't know who gets on now. The audience. I'm talking to the audience. Oh, my goodness. The way boomers have their phones, everything's just in a folder. Oh, my goodness, subscription queen.

Starting point is 01:18:16 Apple Music, Finch, self-care pet. Self-care pet? It's a digital pet. No, I know what that is. Petometer? Oh, it's a pedometer. Yeah. Yeah, I'm pedometer.

Starting point is 01:18:28 Not petometers. Don't need that. Price snap? Price. It's an AI price thing, but you can do that with any AI. Yeah, but that one. Tachiman? Tachiman.

Starting point is 01:18:42 Oh, that's. the heart tecometer. That's my heart. You seem to not care about it because it's expiring soon. Because I'm done with it. Text killer spam thing. Wolves, puppy and dog, something. Yearly subscription to yearly subscription.

Starting point is 01:18:57 I don't even know what that is. Lots of inactive subs. You try lots of things constantly. I like to support creators. Oh, yeah. Creators, what creators? What creators are you fucking doing? Oh, my goodness. Even your recent spending your Apple cards, all bullshit. What? What? What? I like to support people that

Starting point is 01:19:12 making things, people that, not businesses. How would you make retirement? How about you make an older age? Amazon, okay? Puzzles. Yeah, those are gifts. Girls. Cinnamon supplement thing.

Starting point is 01:19:29 Amazon Basic sort of tin gallon trash ricks, that's fine. Scott's Comfort Plus that's fine. I do fall for a lot of those like, oh. Supplements. Collagen and yeah, Burboreen. Well, there are certain things that are good. Collagen. That's not bad, but.

Starting point is 01:19:42 Yeah, so I'll get that and stuff. Kay, bras. Something about old titties. So I don't like thinking about them. I don't know why. Well, just like I don't want to think about Guyana and Dick. It's a little racist if you, I'll be honest. Well, Guyana is a country.

Starting point is 01:20:00 I wouldn't want to think about white dick either. Makes any difference. It's a little gay of you. I'm just being ages. Okay. So Aegis is okay. Yeah. Yeah.

Starting point is 01:20:15 No, of course not. I'm being silly, but. Okay, well, $81 in retirement. Wow. Yeah. I think some of them are better than others. Okay. What is this?

Starting point is 01:20:27 Credit union, something. I don't know. You have a fucking... Pentagon. Yeah, what is Pentagon? The Pentagon. 47 years to pay off. They're a long as I'm going to have a 47-year pay-off card at 56?

Starting point is 01:20:38 That's weird. Like, what is there... What is their business here? They're the Pentagon. It's the Pentagon. The federal. What is their business? Okay.

Starting point is 01:20:50 They're, mm-hmm. Okay. That's the credit union. They don't pass audits, I guess. This is clearly why. $7,968. And 84 cents. Minimum monthly payment, $4.68.

Starting point is 01:21:04 And 84 cents. 47 years to pay off. Yeah. I don't know. This is ridiculous. Oh, you're over the limit. $468. Oh.

Starting point is 01:21:13 Pentagon doesn't give a shit, though, I guess. Apple bill. World pool. World pool appliances. Oh, a filter for my water thing. Oh, over the limit? Okay. 17.99 percentages right.

Starting point is 01:21:29 Oh, my goodness. Dude, you have every credit card just up to the max. This is insanity. You spent money on this one, too. Your Amazon Chase card. Okay, yeah, we just looked at the Amazon. But you were purchasing Amazon on other cards as well. Yes.

Starting point is 01:21:42 $4,100. $147.99. Minimum monthly payment in $143. Purchasing, of course. 16 years to pay off. What's the point? Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Interest.

Starting point is 01:21:55 205 this year so far, we're only a couple months in. That's pathetic again. Affirm, of course you've gone down the Affirm pipeline. Oh, you just do everything, dude? I didn't even know what a firm was. That's my cell phone. Good. Keep the ignorance. Oh, f***ed.

Starting point is 01:22:10 You affirmed your phone? Well, because you bought your phone outside of the shop. I got it through Mint Mobile, yes. Oh, so you just had to buy the phone separately and then get mint on it. I mean, helium, I do helium at this point, $15 a line, but that's okay. I guess you can actually do that

Starting point is 01:22:25 because you don't, this phone's not contractually attached, this payment. Okay, so $1,424, $94 a month payment. So you have a 17% interest rate on your phone. What are we doing? You will fall for anything. Oh, here we go, student, student, loans. For what again for the degree you dropped out because the dude was jerking it?

Starting point is 01:22:48 I dropped out because it was useless. Was it? Does it have a return on investment? I don't think so. Not. Then why would you go in the first place? Because it was 20-20 and I was bored in my house. I'd move forward by myself. Do something else productive. Well, getting a master's degree I thought was pretty productive. Not if it doesn't have a return on investment. At least it was interesting. And it's in my industry. So I thought I learned something. I was bored. I was bored during COVID. Yeah. Okay. So you had $10,382.77 cents with a A $260.80 cent minimum fee payment. Oh, past due, $130.

Starting point is 01:23:20 Yeah, I don't know what their pay dates are. And I don't know. Set up auto pay. That's a new loan, too. It's not loan. It's just kicking in because all the deferment periods are done. It's not a new one. Well, they keep changing the provider.

Starting point is 01:23:33 So I never know who I'm sending. The provider. Like, this is CIA. It was new hell out of it. It doesn't change your minimumity payment, though. It's the same federal rules. No, but it's who I have to pay it to. Does it matter?

Starting point is 01:23:43 Go on the phone. Hmm, you know, you're pathetic. You can't do anything. I'm so done. I'm so done. I'm so done. I'm done. Checking account started with five, ended with five.

Starting point is 01:23:51 No, sorry, that was our regular savings. Great at retirement age. Check an account. Ended with $46. Wicked cookies. Friday's Southern Eats. Dude, pork Ricky, some restaurant bullshit there.

Starting point is 01:24:06 Southland concessions. Bagel, Patriot, shave. Oh, that's razors. Wow, you really got that red, white, and, blue clean pussy. All right. That's good. It's a good razor. No bumps. Freedom pussy.

Starting point is 01:24:22 ATM would draw of $320. Well, I was trying to do a cash budget for myself. Oh, fuck. Just use dollar-wise, dude. McDonald's $12.93. Surprise. No overdraft. It's just, what a joke. Which Raw paid some fee, $29 in this account. I can't even see the balance on this.

Starting point is 01:24:41 Okay, where did it end? Did it end at the top or did it go? Okay, I went forward You started at 96 Oh, you had overdraft You're overdrafted in this account Oh, fuck, you have a... And then you're jeeps with it. That's when I realized, like, wait a minute,

Starting point is 01:24:56 the money's not coming. Oh! It always comes. Yeah, and something happened. You figured it out for the first time, finally. I only took till 56. Jeep, what do you owe, total? I can't find the balance, but I know...

Starting point is 01:25:10 I think it was 41. $1,000? Yeah. What? Under 29 Jeep? Go gladiator. Well, I had a 2020 Mustang, California special, but I had to trade it in because my dog is claustrophobic

Starting point is 01:25:25 and he wouldn't get in the Mustang anymore. Get another larger vehicle. And I put... What are you saying? Are you telling me it's actually worth... It's, it's, oh my gosh, your minimum fee payment is $699. That's at a 7.25% interest rate. It's 69 cents.

Starting point is 01:25:39 Okay. So it's what? It's 40, 41. How much you have? $41,000? Oh, how much? What do you think it's worth? I have no idea.

Starting point is 01:25:46 23. And I put 8 grand down on it. That was the rest of my little... Bro. Oh, I'm so fucking done. $6 in this checking account. ATM which raw. Pool.

Starting point is 01:25:56 Some pool, $100 pool, probably pool care. King C. ATM which raw. $200. Who knows where that went? Another 300 there. Yummy Thai food. Professor A.R.

Starting point is 01:26:05 and Spotify. So you have Spotify and Sirius XM? Yeah, because I don't like listening to it. I'm going to die. Okay. But use one. one, right? Right?

Starting point is 01:26:17 Yeah, I'll figure out which one I like the best. You haven't yet? I will. You haven't yet? Oh my gosh. Okay, ending balance in this. Oh, savings from $48 to $21. Oh,

Starting point is 01:26:29 retirement is going so well. Okay, three, okay, and this savings 11.53 and then 316 ending balance in that checking account. Best balance you've had in a fucking checkin account. How is this moving money back and forth? That's not even actual management. $10 in the savings. Dude, this is crazy. More.

Starting point is 01:26:50 Oh, this is another debt. Is this an additional $6,206? Is student loans? It's on your credit report. Oh, then I don't even know what that one is. Who it's with? But it's never been late. 37% paid off.

Starting point is 01:27:06 Oh, that might be on auto pay somewhere then. Let me see if the monthly payment matches up with the... No, it doesn't. So this is a new... This is a different one. This is another student... Oh, my gosh. Okay.

Starting point is 01:27:14 So in other student loan, maybe from a previous... No, you opened it in 2020? Fuck me, man. Okay, yo, $6,206. Okay, Lindsay said this is for your bachelor degree. If it was $20. $7.20, that would be my master's. Oh, I don't know.

Starting point is 01:27:32 Yeah. Wait, what is this one? $15,000. Is that the preview student? That might be, because they keep changing the providers. That might be another one. This is about its different payments and stuff. No, because this is a completely different balance, and this was just pulled.

Starting point is 01:27:48 I don't know. I mean, I assume, okay, this one's a federal. I don't know what the other one is. Let's keep it as it is. But the minimums don't line up, I don't know. So it's going to make budgeting confusing. You need to log into all your accounts. We'll try our best.

Starting point is 01:28:03 Let's see what we can do with you. I mean, just bad debt alone you have $37,000. I mean, no, it's worse than that. But you're told that situation is $38,022. while the mortgage is only $275 of that. You have over $100,000 a bad debt. This is insanity. Your income monthly, $7,170.85.

Starting point is 01:28:26 Mortgage, $2,3.23.97. Debt payments besides that, let's find out. It's not going to be great. And it might be missing a student loan payment. I don't know. Jeez. Did you minimum fee payments outside of your mortgage or more than your mortgage? $2,556.29.

Starting point is 01:28:43 That's insane. Utilities, gas, electric, trash, all this stuff combined, how much? Internet. That's all in my HOA fees. Oh, her 401K was missed. Oh, no, we saw the 401K. I just didn't see there was a loan on there. It was a loan on your 401K?

Starting point is 01:29:02 That was really old. But is it there? Yeah. You still have it? I think so. It's on my pay stub. Good death, woman. Okay.

Starting point is 01:29:13 Okay, I'm so... Okay, yeah, what's your utilities? I took an entire year off. Yeah, fucking... They're pretty minimal. Like, uh... Tell me numbers. I'm trying to think, like, 150 on average.

Starting point is 01:29:24 Is that including internet? Um, in... Internets included my HOA fee. Internet trash, everything else. Is your HOA fee including your mortgage? I don't think so. So what's your HOA? A 600 quarterly.

Starting point is 01:29:36 Oh, even still. Quite chunky. $200 a month plus $150 for utilities. $350. You're letting your HOA take care of your internet? That's insane. We have to. Have to?

Starting point is 01:29:47 I would never buy there. Probably shit speeds. Okay. Phone bill? Well, how much? Pre-pay it. So it's like $300 a year. Well, I don't know how you can afford to even do that at once, but $25 a month.

Starting point is 01:30:00 I would do helium for $15. Team Mobile's getting in your area. I'm assuming it does. How much for gas, room from Drive Drive? I work from home, so it may be $25. bucks, but except for when I drive to Atlanta, like I did last week. How frequent is that? $200.

Starting point is 01:30:17 Well, it's when I go to concerts. How frequent is that? Probably never again. Guys, I just write a note. This post show is going to be absolutely crazy. Absolutely crazy. She's about to have to have a crazy,

Starting point is 01:30:30 I will let you know in a second. Oh, actually, I have to tell you now, because this is just crazy. She recently bought a car for her daughter, and she's going to call her and confront her that the daughter needs to pay her back for the car, $2,000 right in now. Now, that's going to be an insane phone call.

Starting point is 01:30:44 Okay, whatever. Car insurance, how much? This post-show, okay. $90 a month? Not bad. Okay, food, $300. It's just you, right? Yes.

Starting point is 01:30:55 Meal plan, meal prep, fuck you. Medical healthcare. Oh, no, no, not medical health care. TIPA, anything else you need to survive, $150. You do a gym? No. Probably should. For the thing you got going on.

Starting point is 01:31:06 Medical health care. How much a month? Co-pays, anything? Oh, for co-pays, probably about $200. Okay, you have any pets? Yes, the dog. How many? One.

Starting point is 01:31:17 And health age? One and a half year old. Okay, get pet insurance, good pet insurance, 50 bucks. How much for pet food? He's a big in, let's see. One bag of food, $75 a month? Subscriptions, 40. Anything else that needs to be in this budget that I'm forgetting.

Starting point is 01:31:34 That is mandatory to survive, not concerts. I cannot think of anything. Yeah, it's obviously going to, you need, to get more detailed in the dollar-wise budgeting app, but this gives us a baseline to plan next steps from here. Let's see if we can. Yeah, you make it by about a thousand bucks. It shouldn't even be close to that tight, though.

Starting point is 01:31:54 But you're lucky it is. $6,185.26 is what you need to survive with a very minimal budget. $9.85.50. 9 cents left. No wiggle room. Okay. Debt. 388-022.80

Starting point is 01:32:13 minus the mortgage of 275 035.085. Also minus the student loans, which yeah, we were confused about those two. So I think we're killing off the 15,0593 minus minusing your student loans.

Starting point is 01:32:39 He leaves us outstanding debt $80,800,000. I'm just go through bankruptcy at your age. It doesn't matter. You already have a mortgage. But then you won't change your behavior and you'll be right back here again. So it takes 81 months to pay off.

Starting point is 01:33:00 Shit, six and a half years. Will you be around? Maybe not. Dude, if you really want a clean state, change your behavior for a couple months and go through bankruptcy, ain't cheap, ain't stress free and you don't need stress right now,

Starting point is 01:33:13 but this is a lot of stress alone. These payments must be catching up. You must be feeling the bleed. So if you can change your behavior and live on a budget within a few months, then I'll allow you to go through bankruptcy without your car. You'll still owe in your car, so you'll have to pay that debt,

Starting point is 01:33:27 but that will clear a lot of these minimums of payments, which will make your life survivable. You already have a mortgage, so what do you need good credit for? We already have a car. It's a probably okay car, I'd assume, so what do you need good credit for? Stop borrowing money, stop taking out debt, live within your means, budget.

Starting point is 01:33:42 And if your behavior has changed before you do it, you'll live the rest of your life fine. This is insane. I don't know. Let's have this call at the daughter. That's what I would do. Let's get your hammered financial score. Spending in a budget.

Starting point is 01:33:55 You overspend zero out of ten. Debt. No collections. Behind on things plus 401k loan. Best I can do is a one out of ten. Emergency fund. I didn't see anything. Zero out of ten retirement dramatically behind for your age.

Starting point is 01:34:07 Plus 401k loan. I'll give two out of ten. Real estate. That's where you at least have an equity position and the rate is not horrendous. This is bad compared to where you came from. Real estate situation is not bad. put a lot of money into the house, but even still with the equity position,

Starting point is 01:34:21 I'm happy. You have a loan on it still technically, eight out of ten. Unless there's something I'm missing with like being behind or something, but I don't think so. No. Okay, that's what's going to pull you up to a 2.5. It's not where you should be at 58 out of 10, 56. Get yours at Calebhammer.com.

Starting point is 01:34:41 Now join HammerLeap by clicking that join button. You can get three premium shows posted every single day, six days a week, including an extra 20 minutes of this show, called the Financial Auto Post Show. it's going to be a good one with this phone call, ladies and gentlemen. I'll see you there. We didn't talk about the fact that she's two coming up. One is

Starting point is 01:34:56 $1.000. The other one is $5.000. What are you doing? And I had no idea it was that. Okay, go ahead and call her, I guess. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday.

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Financial Audit - $388,000 Of Debt To Storm The Capitol | Financial Audit

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