Financial Audit - $500,000 In Debt To Be Failed OF Model | Financial Audit

Episode Date: October 17, 2025

🍿 woooowwwwww now she's borrowing money from her dad to pay her own mortgage... this is just so gross. It's exposed in the post show, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 ___________________________________________ ▶RESOURCES 💵💸🤑💰💲👩🏻‍💻📓✍🏻💡 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $350 when you open a Chime® Checking account, and earn up to 3.75% APY on your savings: chime.com/calebhammer 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ___________________________________________ Chapters: 00:00 Intro 10:19 DAAAMN 23:00 but wait, theres more! 35:40 wtf 52:20 again.. wtf 01:04:36 to lesbian or not lesbian 01:21:36 they always owe money to the IRS ___________________________________________ ▶More Content 🍿🎥📺🎞️🎬 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive 3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer ___________________________________________ ▶EXTRA 1. My socials: https://stan.store/calebhammer 2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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Terms and conditions apply. Need a hiring hero? This is a job for Indeed sponsored jobs. episodes of Financial Audit a week earlier, check us out on YouTube. I prayed about it and then as I was going to sleep, I heard a voice. And I said, let me just try, only f- Okay, I'm being told you made 200,000 hours and six months. Where the f*** did that go?

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Hi, my name is Monica. I'm 25 years old from St. Pete, Florida, and this is financial audit. St. Pete, Florida. Yes. Very cool. Thanks for coming over to Austin. What do you do for a living there? I am a registered dietitian. Cool. Can you help me not be fat? Sure. Absolutely. If I Number one. It's all about what you can add, not what you can take away. So everyone's always... I can add a lot of McDonald's. The right foods.

We'll talk about it. Later date, I don't think this is the time. My show. Cool. What are you making in this job? I make $6,000 a month. St. Petersburg, St. Petersburg. Okay.

I don't know as much. Florida is one of the more expensive states. St. Petersburg, I don't really know as much. It's 6% above the national average for... income as far as like. What is? St. Petersburg or you? No, St. Pete. The 6,000 hits your account on a monthly basis?

Mm-hmm. Good. How are you living off the 6,000? How are things going? Uh, it's going good enough right now. So I have a lot of debt, clearly. Sure. So I need to figure out how I can...

Why not to put your debt on a diet? I have. Or your spending or your life, have you? It's what everyone says. Yeah, very recently. Very recently. I will say I didn't pay attention until probably a month ago. Tell a month ago.

I happened a month ago. I started watching your show. Okay. I had never seen my bank's, my credit card statements before. You never looked at anything. Nope. Why? Because I felt like I never had to because I was making enough money to where I was just consistently

saving. 6,000? I was making a ton of money. Which, I mean, it's good. I was making a lot of more money before that. What was your job? I was a social media content creator since 2020. So I made a good chunk of money from that.

Since 2020? What are you making? I was making, it started in 2024. It was like. No, you said 2020. So 2020, I started on social media by 2021. I was making 50K, which is like normal. a year.

Doing what? Brand deals selling personal training. Your content? Your content was brand deals? No, I was a health and wellness influencer on TikTok. So you know how. You look healthy. Thank you. Back in 2020, all the big trendy TikTok dances were a thing.

So I was like doing the dances and putting information, like healthy lifestyle tips on the screen. And that. Don't eat greasy food. Pretty much. Followed by a TikTok dance. Yep. Okay. But you said you.

were making more than this. And then 2022, it kind of crept up. 75K, 23 was like 90K. You were doing well. Yeah. What were your view? Do you still have this? I do, but I don't really, I just started posting on it again.

I went on a huge hiatus. Why? Because I just didn't want to anymore. You were making a living off of it. The algorithm. No. Changed. No.

And my interest changed. And that. The algorithm is literally only serving people what they want to keep them on the platform. That's true. If you are failing, it's not the algorithm's fault. Sometimes there can be a quick bug, but that corrects itself typically because they want to keep people on the platform. Yeah, my audience changed. Maybe if you're still doing health tips with TikTok dances in 2025, it probably doesn't work. But was 90,000 your cap then? Because again, I mean, you're kind of in that world gross, right? Yeah, it was 90K in 2023 and then 2024, it bumped up to,

like $225,000, $250,000. What was different? It's crazy. Yeah. So TikTok was the original place I started making money from brand deals and views. That's not ads, I'll tell you that. Right.

TikTok doesn't pay... Yeah, the most, it was like $250 in a month from that. So it was mostly brand deals. It was mostly because I was a personal trainer and I was selling online personal training services. Okay. And then through that, management reached out to me some management company.

Oh, okay. An agency? Yes. Sure. And they ended up getting me a verified badge on Snapchat as like a public creator there. And that's where I started making the most money was actually Snapchat. So I started that in about 2022. It was the same thing.

Just health, health, health? No. Because my audience on TikTok was 94% female. So I catered to that. them with the health and wellness piece. My audience on Snapchat was 94% male. So I posted selfies. I posted gym photos. And I got a lot of views and I didn't know what to do with it. They started paying me AdSense in about 2023. And you mean you didn't know what to do with it? It was just gym photos. Right. So it's like how do I how do I market that? Did you not go further?

I ended up going further. I did. See, that's what I felt like this was leading to. Yeah. Where to go? So it started off as women commenting under my Snapchat photos saying 400 for post, 300 for post. It means they wanted me to promote their private Snapchat or only accounts on my page. Okay.

So I started accepting that because the photos they would send me would just be them in like jeans and a crop top. So I, for about three weeks, started posting their stuff and I was making like an extra $1,200 bucks a week. So then I found out that that's against Snapchat's community guidelines. And I was doing purely white. Have you heard of those teeth whitening ads? Purely White Deluxe. No.

They like ended up hiring me once a week to post teeth whitening ads. So I was doing teeth whitening ads on Snapchat every week, twice a week. and I was getting a base salary of $500 a week, sometimes up to 2000, depending on when it was like a holiday season. Okay. So it started that way. It started, you know, I was dabbling,

and then all of a sudden I noticed that men were commenting that they would pay me. I put my Venmo in my bio. I started getting Venmos, and then I added a couple select individuals onto my Snapchat, and I started selling photos. No nudity. This is a load of burnicles.

No nudity? Nope. Lutity. Lutity. Well, ludity gets close. Yeah, but. But how much did they spend on that? Anywhere from $100 a photo to like $500 a photo and it would just be like bra.

How many photos? Sometimes one to five. Okay. What were you making off this? I don't know. Every week. So you never went to the online. You never went to booby booby booby booby.

Booty, booty. So then... Oh, it continues. Okay. Then I thought, okay, let me just try only but not nude. Okay. So I still didn't... Right.

So I got up to... I made like $600 in two weeks. And then I was just below the IRS, you know, tax. I didn't want to have to... Also just below you've been able to pay your bills. Yeah. That's not much. Right.

I got off. And then I went back on one more time. One more time. A year later, and I ended up making like six, five or six thousand in a couple months. Yeah. No nudity. Yeah, I mean, unless you're, unless you're a very specific person, like the ludes aren't going to, it's not going to be what takes you there. Right.

But then. Oh, it still goes. It keeps out. Please. Please. Yes. End of 2023, very beginning of 2024, a company called fan fix reached out to me. Okay.

And this platform is like a soft version of only. You don't have to put nudity on there. They have the same guidelines as Instagram. So I couldn't do nudity anyway. So I thought, okay, this is a better way to market my content without people expecting more from me. So I went on there. But the expecting more is what endlessly gets them to keep giving.

Okay, so yeah, go on. So I had managers on my Snapchat account who were posting for me every single day to the point where they were just recycling old photos of me to keep me on trend. So I was getting in like 100,000 to a million story views a day, good traction. So when I started this other subscription account, I set it at $10 and I started promoting it. And the thing is, similar to only you could tip. the creator five, 10, 15,

however much you want to message with them privately. And I didn't want to do that. So someone else did it for you. Yeah. So I ended up making

$50,000 in my first month. What the fuck? Okay. And then 60 and my second. Yeah. Mostly from the chat. I spent 30 minutes

on there a day and I would post in the main feed and I would take like 10 to 20 photos, videos. I also had a poll. So I was learning how to pull dance. So it was like online. Oh, that. Okay. Yeah. But not like. No hole. No. Okay. No nipple, no nothing. Uh-huh. But I would, you know, I bought a bunch of lingerie. But it was close. Yeah. It was close enough. And I would

send my managers extra photos and they would go into the chat and bait people for money. So how many months did you make this much? I started with 50, 60, and then it leveled out at 20 a month. That's not bad at all. That is the $250,000 a year is not something to complain about. Definitely not. I stopped that summer. For why?

Was it the objectification? What was it? Like, what was it? Like? Just feeling like it was very wrong. Why? Because I felt scammie. I felt like I was, I didn't want to sell that.

I didn't want to. Is it the sexual part? Yeah, it was the sexual part. It was just a general morality. Yeah. In that life. Okay, you went full Christian Good Girl. Okay.

Yeah. Okay. So my managers were not happy. Did you just say you started social media up again, though? Yeah. Don't you think that's where it's going to end up? I mean, not that all women end up there, but that is a very common trend today, unless you have a very specific type of content that you're doing of which I don't think you...

So I deleted my Snapchat. I had 420,000 subscribers on there. You don't have to go to the extreme. I know, but it served no purpose. had no value. Okay, I'm being told you made $200,000 a six months. Where the fuck did that go? So I paid my managers 15%.

Well, that's fine, and that's normal. I traveled a lot. I bought... What was this? How old were you? 24. So last year? Yeah.

Yep. So I traveled. I went, not internationally. I just flew domestic. I was pretty frugal on my travels. However, I purchased my mom. a house. You bought your mom my house?

Yeah. How much? How much possibly? Down payment was 70K. So a lot of that went to that and then not really clothing so much. I just, that's it. I just lived and didn't really think about it because I figured that would last. And then I realized.

But you stopped. I know. It may have. It would have lasted at least a while. I could have done. Probably something differently, but I mean, it is what it is. It is what it is. It is what it is.

May I objectify you for a second? Do I have consent to objectify you? Sure. You're hot. They're substantial. She's very cute. Like, she could make money. I'm not saying if you don't want to or it's against your morality.

Do it. Like, I'm vibing with whatever you want to do. In fact, I would say, you know, probably don't because it is a little online, like, it's not great and it gets parisocial and some people have been in danger. We don't like that. However, you could. I could. And now you're starting social media back up again.

What the fuck is your plan here? Because you're in a normal job now. Yep, I'm in a normal job, and it's sustainable, and it's stable, and I love it. I've never had a real job like this, like career salary. But you're starting online again. That's sketch. Pull up your online. Pull up your online.

Not any of the naughty noughties. That's for the post show. You're a stressed person? You got picking on the fingers. I do that as well. I do it from stress. I, yeah, really bad.

Not healthy. Really bad, OCD. Yeah. Okay, here we go. Yeah, I mean, this is substantial. Again, we don't allow people to plug things, so you guys won't know what this is. I will screen record,

and we'll put it in here, but we'll blur out the name. Okay, but she has almost $600,000 followers. This is not bad. Let's see, pin comment, about to eat. That was just random. I don't know. You look better in person than you're doing that video.

Thank you. Oh, Jesus is King. She did go full Christian Christian. I called that. Yeah. Well done. So from Tits online to Christian Christian. And the content that I'm posting now on TikTok is going through case studies of my clients that I see.

I was going to say the content you posted on TikTok three days ago got 618 views. Right. Okay. We're not really going there. Yeah, I'm not banking. Day in the life. You said this place was steps from the water. We just haven't found the steps yet.

How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your oceanfront room. Just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app

and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton for the stay. Symptom free period? Yeah. So I went from endometriosis to symptom-free periods as part of my story. Huh?

Yeah. What's ametriose? Endometriosis is the scar tissue that can build up inflammation around the uterus and causes, like, really bad painful periods for women. Why are you doing that? I don't anymore. Oh, good job. Yeah, but I specialize in helping women with their hormone health.

Did you get it, like, removed? No. This is not. I do not have, I'm not. No. I have an asshole. Yeah, it's a little different. I've had a skin tag thing there once that hurt.

Yeah, that's not good. Not good. Can you help me with that? Potentially. But, yeah, 99% of my clients are female, and they're usually struggling with some sort of hormonal imbalances. So that's what I work with. And I have my personal experience because I regulated my nervous system,

and now I don't deal with that. The hat goes a long way. Appreciate it. Yeah, the forehead. Oh, not the forehead. It just balances you out. Oh, thanks. Yeah, you're a hat girl.

I like my bucket hats, preferably. Is that like a thing in Texas? Do people wear bucket hats? Am I going to be? It's whatever you want to be. All right. See, you're still doing a little teasing. This is a little, you know, because dudes will go for that.

Yeah. It's all about periods. And I don't think, here's the thing. Unfortunately, no one gives a fuck because you're not getting. I'm just hoping that something, like just keeping stuff active. I never know what can happen in the future with it. Ooh, the dyed hair. Yeah, I did that for five and a half years.

That's kind of how my TikTok blew up because I had blue hair. Yeah, for a really long time. This is recent. I know, okay. Hey. Is that natural? This is natural, yes. That's natural.

I did like it. I really enjoyed it. I was a hair model, so I got paid a couple times a year to model at hair shows. Oh, see, here. This is back on the T's. That was a while ago. Yeah. Yeah.

And that's what dudes are, so we're not trying to sell it because this is on the T's as well. Like, what's the content we're trying to do? I'm just trying to cater towards my ladies at this point. But are we trying to make a career after? Because that's what I'm trying to figure out. I have a career. Okay. So we're not trying to career.

on this. We want to do this. Good. This aside if I got paid $10 from TikTok in the past month for starting back on. Well done. Thanks. Well done. Ten bucks. Well done. Yeah. I'm being told I guess your mom's house is this first one.

So you put $70,000 down but did you take out the mortgage or did she? I did. For your mom you took on a mortgage? Yeah. She pays sometimes. Sometimes. Yeah. What is sometimes? She was.

And then... I love the heart of it. I know. One of my goals is to pay off my parents' mortgage. I mean, I get it. But like, what the... 2024, May 24. I bought it.

She paid June, July, August, September. And then we got hit by hurricanes, two hurricanes back to back. Last year, okay, I was going to say because nothing's really happened this year. Yeah, last year. And she's a full-time DJ. So she lost all of her gigs for about two months.

What the fuck? Yeah. You're a part, a full-time DJ, not reliable income and you're getting a mortgage under your name with the expectation of her paying for it. I can see what would go wrong. What does she bring in normally when she has her equipment, not destroyed by Helena or whatever the f*** it last year? Four to five thousand a month. No, this is a monthly payment of $2,400. That's insane.

That's half her income. Why would you do that to yourself? Why would you do that to yourself? I just, okay, okay, this was my thought process. She called me one day and she said, hey, I'm moving from my rental, and I am going to try and save money. So I'm going to move into a trailer park. And I have a 17-year-old sister.

And I said, over my dead body, you're going to move her into a trailer park. But it's one year, right? Two years. Back then, yeah, she was 16. So she was like a sophomore. So my mom, I didn't want her to go that route because. And the only option? was instead of maybe covering her rent

for a year because you thought you were making an infinite amount of money forever, is to get into a 30-year mortgage? Yes. By the way, an 8% interest rate, it's... Because... That's not even where rates were. Yeah, so it's an A-frame,

and it's really cute, and she said when my... When my sister is out of school, we're going to turn it into an Airbnb or a rental, and we have a good amount of land. Good luck. Airbnb market... Yeah, you're in Florida. but guess we're at tourism market?

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Take the first step in making your private student loan debt more affordable. Go to y-ref-yfy.com, that is yrefi.com, or call AAA 973-3978. That is, 8-9-7-3-3978, and see how they can help you move forward with confidence. It's a really cute rental. Is it on the beach? It's less than a mile from the beach. And it's right, it's like a mile from downtown. on here and there.

It's also St. Peter. It's so that one is in Tarpon Springs. Is that where we go? Do we go to Tarpon Springs? It's a really old Greek city and it's super quaint for like married couples. I'm getting a thumbs up. Yeah, it's cute. Well done.

Yeah, you got an 8% rate on this house. And I mean, you kind of suggested that she hasn't paid since last. She's paid. She paid back. So we both got a forbearance. So I got a forbearance on both properties. Both properties. You own a house.

Oh, yeah. Yeah, I do. Why did I have a note you're considering moving to Texas if you have two houses there? That's also a, yeah, that's a lot to get into. But also your job? I've worked remote. You have a house, when did you get this house, this other house? 2023.

So that was before boobies? Yes. That was based off of just, brand deals, social media, you know. So I was doing pretty well. And then I got a lot of money and I spent it really fast. It's all gone. It has to be. It's all gone.

Because there's nowhere on the show unless you have substantial debt. Okay. So she paid up until, well, like we took out the forbearance. Then she was behind. But then she ended up reconciling that in the springtime. She was ahead. She was on time. And then July, August, September, she did not pay.

This year? This year. And now what? Now what? The only reason I was able to reconcile July, August was because my grandmother sold her house for cash and she gifted me. Yeah. Why? I didn't have the money.

My mom didn't either. Well, why'd your grandma gift her own money? She gifted you the payments for the money? for the mortgage? Yeah, July, August. Why are you moving to Texas? So it's a lower cost of living, and I also,

I said a prayer, and I said, God, I'll go wherever you want me to go, and he pointed Fort Worth out to me, and I just, it's a whole thing. So I have a tenant renting out. Fort Worth.

Yeah. I don't know what's in Fort Worth. The rodeo in. Yeah, it seems nice. That's a driveable infrastructure. Yeah. So I'm... That's it.

So I have two properties. I'm a little bit... It feels drowning. Yeah, very much. Well, I think Brandon from Fort Worth, the translator of the show, you know him, was quite interested until he heard all the Christian prayer stuff because dude needs to stick it in in order for him to... Oh, boy. Yeah, that's the deal breaker. Continue it.

Yeah. Sticking it in? Yeah. It's a deal breaker. We wait till marriage. Yes. You too. Okay.

Okay. Good luck, guys. We'll send you a deal. on a vlog date after this. Great. Well done. Maybe if you're lucky, Brandon, by the third date, you'll get a handheld. Maybe.

It's so interesting because you literally were posting, like, it had to be like a half an inch away from full hold exposure in Areola. No. I didn't even do like really provocative poses or anything. Okay. And then Mom's House, we still want to keep it? Trying, yeah. Sure. With mom staying in there?

So you said move out once. Where are you going to, where is she apparently supposed to go post-sister moving out? That we don't know. I think she wants to buy a van and do van life. What the fuck is wrong with your mom? She sounds so weird. For an older person.

Yeah. Like if it was you. It's, yeah. What are you showing me? Like the skin issues is from, you know, we have an interesting dynamic. So, like, I'm pretty much the mom, and she's pretty much, yeah.

So when you hear us on the phone talking, you'd be like, I don't know who's who. Kind of, I give a lot of advice. I try not to lecture her, because then she gets really mad. Well, yeah, I don't think parents like that from kids. Yeah. Specifically, I guess we'll look at the grandma's house first,

and then we'll get into these other statements, not grandma's mom's house, and then we have a lot of credit cards to go through. But $6,000 is what, comes in, yeah, I would say if you have to make a $2,500 payment on one house, and then you have another house as well, and we're trying to move. When are you moving to Fort Worth by? September 27th. I'm driving out here.

It's official. Yeah. I have a place. Wait, we're in September. I have a place. This is in 10 days. Yes. Wait, what the, why?

What do you? I'm flying back and then I'm driving out here. Why do you have to do this now? Because that's timeline. No, you're... I have a tenant for my place. And I'm paying less. You spend identical to what you make.

Oh, yeah. Well, actually, compared to payroll, you actually spend $500, $400 more than you make. Yeah. You have substantial debt, not mortgages. We're talking over $20,000. All of that combined, we're talking almost $500,000. No, actually, no, because there is an additional Chase Inc card with $9,000, and then Wells Fargo, $10,000,000, $1,500.

What, $1,500? How are you moving? Because I have a tenant who's taking over my mortgage, and I am moving into a place that's cheaper. Hopefully, if there's no expenses that pop up, do you have a rental property management company? I don't, but my neighbor... Oh, your neighbor? Your neighbor, what? She's really reliable with stuff if I need her over there in like two minutes.

Oh, you're... Yeah, so Fort Worth. My rent here is $1,300. and my tenants are paying $2,000 at my home. So I am going to be spending significantly less living here. Just don't get it. Away from the beach, away from the traffic, away from the food. No, it's devastating.

I love St. Pete. Maybe your prayer was wrong and you needed a second one. Don't think so. The living situation I got here is pretty great. Yes, because no one wants to live there. It's out of desperation. No. Not at all.

Come on. Okay, but it was nice not having the finances to be able to go on Airbnb. So I found the place I'm staying on Airbnb, host. It's a four bedroom. I do have three roommates. But they're all awesome. So I'm happy about it. I like being with people.

I'm an extra. What one's a gay? So? New Age Christian. No. Oh. I love everybody. But when they bring over a flat.

to flap with? Just because I don't agree with someone's lifestyle doesn't mean I'm gonna be... There it is. Yeah. Fire and rimstone. Ah. Are you trying to like

classify the type of Christianity based on, okay? No, I'm fucking with you. But you're also gonna be living in a roommate situation, going from owning a house to living in a roommate situation. So... Trust me, I fuck with everyone.

I fuck with the Christians. I fuck with the gays. I fuck with the blacks. I fuck with the... Mexicans, I'm going with everyone. I know, I know. So the cool thing is, the first six months of this year, I hosted work stay volunteers in my house. So I was living with people anyways.

You say these people are great. How much you know about them? I just met them. I really enjoy their company. We have similar values. Is it three women? Yeah. Three hardcore Christian women.

Yeah. Oh, Fort Worth, ladies and gentlemen. We get along. We've had sleepover parties already. Some friends have come over. from one of the girls. Christian women have on sleepover parties. Yes.

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They made cookies. That's about it. That's all we got. Taste of the cookie. Oh my gosh, bro. I would like to see. So, yes, it's a good situation. I'm happy with it.

And I'm going to be spending less money out here than I would at home. Granted, I would love to be. I hope so. You'll be depressed in your car. infested infrastructure that the only thing you'll want to do is escape and go spend money. Or order things to your house. There's trails. There's lakes.

I just, I walk. I watch the sunset, like relatively. The sun always sets, no matter where you are. Yeah, so we're good.

I got things to occupy me. It's fine. I'll be fine. That happens one today, by the way, and it's usually late. Yeah. What do you think your finances are score zero to ten,

zero being the worst, 10 being the best? like a two just because I have real estate. You do have real estate. I don't know. Let's see if it's even good real estate though. I mean, that's the big question. Okay, if you want to know where you stand in the world of finances and if you should start

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It is my preferred and favorite budgeting app. Take the free trial, and if you like it, sign it for the annual version to save a lot of money. And when you do, I'll sign my budget-friendly cookbook and mail it directly to you, and there's only a couple months of that left, and then they're going to go away forever. DollarWise.com to learn more.

All right, so again, yeah, this mom house. Let's write down the deck, because this is a situation. I'm going to have you pull up the address while I write down the information. Okay. Beautiful. You allowed to use screens in your denomination? Yes.

What denomination are you? I was raised Wesleyan. I don't really have a denomination, but I would say I'm more Pentecostal. Is that stoning in the gaze, or is that bringing them in? It's like just very spiritual, like... Hippie.

Just, you know, the Pentecostals speak in tongues. Yeah, they pray very charismaticly, and they believe in healing and, like, all the things that were back then. It sounds like Christianity, but you're just making sounds, perhaps? I don't know. I don't do it. May you make a sound for us right now? I don't know what to do. They just say, they just like, I don't know. It sounds like they know what they're doing.

I just love an example. But I don't know. What have you heard before? Bro. Like they just go and they like move their tongue really fast. What is that doing? And it's apparently speaking in the heavenlies and like to the heavenly realms. And let's say you were prophesying or talking to someone or praying over someone in a different language.

They may be able to understand what they are saying or be able to feel. feel the Holy Spirit more through that. I don't know. That's the one, like, debatable. I'm not quite sure I haven't researched it that much, but I've been around people that speak in tongues. I've been to Pentecostal churches where they're all, like, going for it. And it's an interesting experience.

It's pretty powerful. Good tongue practice. Yeah? For the sleepovers. Great. It's weird. I don't know. Again, I was raised Wesleyan.

I'm, I don't know, well, religion I am. I'm a believer of God. It's very interesting. That's where I am. I think it's Midwest. I don't know. Like a sub-denomination. That's just what I was raised.

But I've never heard of like, da, da, da, da, da. I don't know. I didn't go to the church to find a denomination. Here's mom's house. It looks like something out of a fucking... It's a little fairy home. Tim Horton movie. It's cute.

Cute is... Luckily, a subjective word. Yeah. That wasn't like a reaction. It is definitely a form of an A. Yeah. It has a balcony in the back. It's a two-story.

It's... Brandon? It's cute. Okay. Lots of questionable reactions. Also, especially for the renting and the Airbnb, looking at the street view and stuff, it looks just like a very trashy area.

Is that where someone's going to want an Airbnb? I don't think it's trashy. The houses on the street are pretty nice. Like in the neighborhood. Dude, I'm doing street view around it. It looks like a trailer park. Yeah, there's a trailer park nearby. Also, it's close to the bayou, not even the ocean.

Right? It's close to the ocean, sunset, and Fred Howard. Okay. Yeah. Yeah, I mean, there's an equity position in the house. Thank goodness. But that's mostly because you put it down. Other than what you put down, what did you buy it for?

327. Well, that's what it's worth. apparently. So good luck. If you have to sell this because you will lose money after fees and whatnot and closing costs and all the goodies. Yeah, really. Hope you don't.

But again, where's Mama going to go? Did you answer that? A van. That's right. Yeah. Okay. And that's certain that you're going to be able to rent this house out and not pay this mortgage.

You've agreed. She's agreed to this. Yes. Okay. I'm just, yeah. Yeah. So we're caught up to September, but the grace period was September 15th. And I texted her yesterday and we have not paid the mortgage for September. So there's another, it's a $95 late fee every couple weeks until she pays it.

What are we doing? Yeah. Until she pays it and you're not going to because you don't have the money, right? Right. What the fuck are we doing? Sister doesn't work and she doesn't work. That's fine. I mean, your sister's not necessarily required to. It's good to get some work experience.

But yeah. Yeah, you're a total due $5,000. So that was covered. Yeah, but now it's not again. Right. So we're about to have a double payment again, and grandma's not going to give it this time. This is...

It's really bad. Yeah. Oops. Wait long enough. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills, starting $179,

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Worst case scenario, I am going to have to make a tough decision and get renters and there. that will actually pay. My relationship with my mom has been rocky. I really don't want to have to do that. It's hard. And again, the mom relationship, are you going to kick her out? Right.

Are you? I really hope it doesn't get to that point. And then there's your house, and then we'll get into the, you know, juicy debt specifically. But if we're talking about the, you know, obviously these are massive expenses and we're moving to Fort Worth.

How did the Fort Worth come to you? I prayed about it. And then as I was going, to sleep, I heard a voice that told me. Well, it was my, it was my voice. It wasn't like a deep, dark, mysterious voice. Well, you know, that's a very normal thing when you go to sleep to hear a voice. Yes. You're in that mixture between, like, dream space and space, especially when you're very stressed. That could be a common thing that pops up. I mean, it's rare, but it's a normal thing. Yeah. So there was a location, and then it was like confirmations over the past couple of months.

I didn't actually seek out tenants. Targeted ads? After you search Fort, Worth? No, like more physical because I was at a, I was serving with my church and I was in a kitchen helping re-furnish. You're a woman. Yes. And I went down and I saw, she's a trad Christian. I saw, I saw a book and it was from the woman that we were refurnishing the house for. And it was a Bible studying at the bottom. There was a location of the ministry that it was from and it was Fort Worth, Texas. And then after that, I kind of started to research Fort Worth. And I'm like, okay, I could if I'm going to. No, I could live in a highway.

Yay. I could live there if I had to. So then I said, all right, well, I'm not going to look for tenants. If this is really where I'm supposed to end up, I know that God will provide me a tenant. And within three weeks, one of my old friends who, like, I've recently reconnected with, reached out to me looking for a place in St. Pete. and lo and behold, she ended up signing the lease a few days or a few weeks later. And in that meantime, I found the place that I'm living now. And if, for what it's worth, my neighbor parks two vans on my front yard.

Oh, you're not selling it. Oh, if it's that kind of neighborhood. Okay, on this house, you owe $193,480. And $45. Minotly payment $1,7.75.41 cents. I've also come to the life. Yeah. I've come to the leg.

Okay. Yeah. But man, it was fun. Yeah. Yeah. You remember being a? I really wasn't. I was in a long-term relationship.

Oh, you should have been a... I had, like, one hookup. That's it. That's it. That's a single. One. One experience. And then it was like, no, not for me.

Listen, they use, they use, someone hears... Now and they hear insulting. But I love being a... So much fun. It's, it's like... it's a praise, honestly, if you call me. Yeah. That means I was getting laid, right?

There's actually a biblical term. Sure. I bet. What does it mean? Amazing man? Sure. We'll go with that. Yeah.

I believe you were and still are. Oh, I've become a better man. Mm-hmm. Wanted a family. Barely, I do want a family. Barely, barely equity position in this house. But what did you put down on it? What did you buy this for?

I bought it for $2.47. Yeah, I mean, it's barely gone up. So you're probably, again, if you had to sell us today, you would lose money. What's your rent? Hi, listen to your financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weeble.

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which, by the way, that's honestly not enough. I've double those each. You're not making money. But at least you're covering the cost. But if a roof has to be replaced, which... 20-22 roof. Maybe. Okay.

It's a small house, right? It's 1,200. Oh, it's a two-bed, one bath. Who the fuck would buy this from you? Because it's a very interesting thing. People don't buy these houses anymore. I want to keep it. There have to be some kind of business opportunity.

$802 square foot. Yeah. With the garage, it's larger. But I didn't have any plans on selling it, honestly. And I have a decent size backyard so I can put like a secondary structure on it eventually. I don't know if I'd do that, honestly. Okay, let's move on from the real estate. But you got a 6% right on here.

Here's the juice. she's ashamed she just and she's ashamed and all right we'll get into the juice I guess

I used to feel very bad when I back at like 15 16 yeah you're like the first like I don't think we've had like

this is so interesting to talk about your religion because we just don't have people that are just like religious on the show I know

I so this is such a different conversation I'm so goony right now. Gooney for religion. Sapphire preferred $3,870 and $20. What is going on with this card? So I went on a trip for my dance team. We were competing

and... Booty on stage? No. That's illegal. Actually, I did not. But I went and I put... You went to watch? No. I was on stage, but I I'm on a hip-hop. I was on a competitive hip-hop team. Hip-hop. Now that's the devil's music.

And that's what makes it look like hip-hop. Not necessarily. It is secular. It depends on the messaging. We did dance to get it shoddy by Lloyd. So it was a sacrifice to leave that behind. That was definitely one of my loves. Continue.

So I went there. I put the Airbnb that we were all staying at on my card. And then I had people. Why did you pay for that? Because I- But did you take the money that they gave you and pay on it?

Yeah. Okay. Like maybe 80% of them. Okay, why? Why not the total? Because they pay- Why is it on you to put it on your card? Because I like to mom, I guess,

and I wanted to a space where I knew that I would like and I wanted to make sure that I was covering the groceries and stuff and I like looped the grocery cost into the stay. So I had people pay for everything so that I could do a,

a big Costco hall when I got there. So a lot of that was like... I mean, do, this is almost maxed out. This is almost maxed out. That did have... And it was over maxed out at the beginning of the month by far. And he still purchased $202.48 while $95,0.26 of interest accrued.

Hey, if you don't purchase on this and you make your minimum through payments, how long does it take to pay off? Probably like 15. 14. Pretty close. So it had an... It's as long as you can get married in the church, right? Yeah.

I guess. It had a balance. I don't know. That's more Catholicism. Yes. Actually, that's more like eight. Okay. Anyways, $18,000 was my limit until the summer, and then they dropped it to $4,000. So.

Good. Why because you're looking like an untrustworthy person? Listen, I'll let you use the Fizz card, debit card that builds credit because at least you can't fuck yourself like you are with this. This is crazy. It is crazy. Do you drink? Do you do any drugs? I'm so interested.

You're like a little, you're a creature I want to study your life. Like, you're living such an interesting life because no one your age does this. No, I don't smoke, I don't drink, I don't do drugs at all. What's your vice? Do you do caffeine? My vice is picking at my skin. Do you do caffeine?

No. That's like a lot for me. That's like, Brandon told me it was 60 milligrams. Uh-oh, she talked to Brandon before. A little tough. Uh-oh, Brandon and her had tea before the show. Oh, wow. Whoa!

Sticking it in the butt. Later. My advice is, uh, sweets? I like sweets. That's about it. Okay. I was very curious. This is a very odd episode.

But, uh, tea, boba. That's caffeine. Yeah, a little bit. Okay, but Boba tea. It's illegal, potentially. What do you mean? Caffeine's illegal for a lot. Of religions?

The Mormons. Like, FLBS. Yeah, I'm not, I'm not Mormon. Well, who was right? Who gets into heaven? I'm afraid it was the most. More minutes. Many denominations of Christianity and like, what's it called?

I don't know. That's Robert. Robert was raised something weird. But like, I'm not religious. I have a relationship with God. But I go to like a non-denominational church. Yeah. Rebel.

Okay. This is, yeah. My statements are very rebellious, as you can see. It's the cart. Not really a good use of money when we can't pay off our fucking cards. And yeah, there's the Airbnb, but that was the small minority. of like what you're doing actually. And at Starbucks.

You've had fees this year. I think that's probably the annual fee though. And $358 of interest accrued. Yeah. Pretty bad. I will say I was spending a lot more the first half of the year because I had work stay volunteers living with me.

So they were helping me. This was the time where I was still like, I can do it. I can make a living off of social media and hosting in-person events. Is that why you buy it? Like one of those like $1,000 like bull-hobloxed online courses. Which there's many good ones, but even still, all of our educational stuff, it's like the debt class, the budget class, the investing class, the real estate class, the recession class, the beginner class, all that shit.

Which has the lowest refund rate in the industry by far and change 10,000 of people's lives. Literally that, people can get all of it for, what is it, 197? Yeah. Oh, what the fuck? You spent a thousand hours on some bullshit. online thing that probably doesn't have anywhere close to what we have. Yeah. Oh, to get access to a private discord.

Oh, my goodness. Tell me about it. That was back in December, right? Before 2025, I was like, this is my last ditch effort in trying to redo socials and see if I can make a living still just brand deals. Well, don't post about periods. Like, no one gives a, yeah. I mean, there's advice number one.

I'm not passionate about, like, the stuff that I was posting before. So I just did that and I tried, but... But you have to decide. Like, do I always want to film this show? Not necessarily. Yeah. It's my career. Yeah.

So I bought a $1,000 course because I met the people in person, and they made it seem like it was... They were giving me brand deals to post, like, face masks and stuff. And so I basically broke even... If you have to buy into making money? Yeah, it was... Very pyramid-y almost in a way. Yeah, I have been in some of those. You have.

Yep. I was in a multi-level marketing company. I'm not shocked. It seems to you kind of follow and fall into things quite easily. Yeah, my parents got me into it. Have you been in a cult? I would consider that. It was pretty culty.

But no. Like a religious cult, no. Your parents got you into the pyramid? Yep. How the fuck? I was 16. They started with this company called Isogenics. I went to with them.

them. Yep. And then when I turned 18, they signed me up under them. And they told me that I was going to make a bunch of money going to college selling a meal replacement shakes and cleanses to broke college students. And that did not go very far. The course that you got, the $1,000 $1,000,000, $100,000 back guarantee no matter what. I don't think so. Never buy one unless you do because all courses list online. Again, there aren't actually good ones. We do some good ones. I'm friends with people that do some good ones. But if they don't have a 100% money back guarantee, no matter what, no questions asked like we do, then I wouldn't trust it. Because that means they're just trying to capture your money and run.

We're confident that we provide value so people are willing to like, okay, yes, you like, let me pay you for the value. Yeah. Like what the fuck? That's insane. I know. I know. I spent a lot of money on courses thinking that it was investments.

How much? So. How the fuck much? I was spending $1,000 a month on business coaching before I got into this career. Like, I'm a double you two. as of February. But before that, I was really trying to build my private nutrition practice. And for a while, it worked because I was getting the traction on social media. But then when that died, I didn't want to pay for ads. So I thought that I could hire for tools, resources, to systematize things

because it sucked. It sucked wearing all the hats, pun intended. Because I was like the marketing person. I was the salesperson. I was the website tech. I was the dietitian. It just became so overwhelming. So I was like, let me take some of this off my plate. Let me hire people that could actually support me. The business coaches were friends of yours, though? Yeah. Friends of yours? Here's the thing, dude, even even, even, literally a valet the other day at a sushi restaurant.

He's like, oh, I'm a fan of yours. Man, I've always been interested in taking the classes. And I just literally emailed Lindsay and we just gave them the classes. If they're friends of you, like, that's just a random person I met. If they're friends of yours, why the fuck are they charging? That was their business. Yeah, but they're friends of yours. This is my business, but I don't like.

I never learned that. that everything in my life has been transactional. Yeah. So I don't, if it's a friend, I'm paying for their time. If it's a friend they're paying for my time, that was just how I thought things went. That's weird. I mean, it can.

I like supporting friends if they have a business, but if they require it and they're not even willing to offer, I'm like, I don't know. Yeah, so that was 12,000 total. Are you saying you've never helped out a friend without them paying? I have now, now that I realize that that's okay. Wow. Very, crazy.

Christian review. Okay. Yeah. This is new. Okay. Platinum card, Visa Wells Fargo, all of them combined to the cash-wise visa platinum. Well done. What's going on with this card? You purchased $1,131. $22.93 of inches accrued. Made a $25 payment. Kill me now. It's a $42 minimum fee payment now with a balance of $1,812.63 cents, 11 years to pay off if you don't purchase which.

Good luck based on what we've seen. What's going on with this card? Couldn't tell you. I literally just spent on my cards. A lot of that was me before I transferred all of my recurring, like my monthly business expenses onto my business debit card, which I have now done, realized consistently. Business debit card?

You made what? What did you say $20 last month? In your business? No. So my self-pay clients I make between $800,000. So are you setting money aside for taxes for that? Yes. You are.

How much? Well, I was. And then? I'm currently paying. Oh, yeah. Paying what? My 2024 on a payment plan. So 2024?

What about 2025s? So I'm making about $800 to $1,000 a month. Are you making quarterly estimates? Not right now, no. You're going to be forced to. You'd think this year, but probably next. I did in 2020. You did.

Now you're going to be facing penalties then. This year you will be facing penalties. Yeah. If you're not hitting them. In fact, yesterday, Q3's estimated was due. Yep. Did you pay? Nope.

Good. You faced about, I think, a 10%, 12% penalty, I think. Yeah. That's because. The year goes on. Now that I have a W2, I was thinking that. Oh, wait, W2. I'm confused.

Are you contractor or W2? I'm a W2. Okay, then you don't. And I have my LLC still on the side. So I make the vast majority from that W2 now. Oh, okay. And that LLC is supplementary. So by 2026 getting a pay off or...

So I'm sorry, what's going on with this card? Probably monthly stuff, probably much... Apple Bill, high store Phoenix. Oh, yeah, I was traveling. Dutch Bros. Grounds on second. Yeah. That was my Arizona trip. Coffee.

Going in and getting some Beards. B.S. Going into some BS from the gas station. Hip Hop International. Yep. Noddy, naughty. Devil's hockey team. Whoa. Wait, what was that one?

Oh, I bought... $37.84? It was at the arena. I bought popcorn watching the finals. Yeah. Going to get some bullshit. Zin Burger, Apple Bill. $100 in interest this year so far. $25.24. Pull up your phone. I want full access.

And I know I'm not going to stumble upon anything bad in there with you. So where are we going? Again, this is the least risky phone I think I've ever had. Okay, we have. ICloud Plus, that's fine, obviously. It's not great always, you know, when we're dying and dad. Chatbox, but it's pending cancel. Yeah.

Chatbox. I don't even know if it has. Capca also pending cancel. But you're trying to get back on the social media game. I just, yeah. And Dell, focus sleep, but also pending cancel. And we've had a lot of subscriptions as well. It looks like you get.

Lots of subs and then you... Okay. Interesting. Yeah. Oh, Amazon's not downloaded. Do you do Amazon? I have an Amazon Prime, but I don't really buy anything other than for friends who need Amazon Prime.

I'll, like, buy stuff for them occasionally. Which they better pay you immediately. Yeah, they do. Yeah. You know, the CEO of this company is gay. Thanks for the information. You can shop smart. Mm-hmm.

We love Tim Apple. Big fan. Made my stocks go woo. We don't touch that. Well, stocks is greed and greed. Okay, I see where you're getting. 3,000. Ambition comes in all shapes and sizes.

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Please gamble responsibly. Monopoly is a trademark of Hasbro. Hasbro is not a sponsor of this promotion. $38.93. By the way, I'm gooning and gaffing with I like, I very much respect. We are not offended. Yeah, I know, exactly. Plus I have permission.

So, don't take too offense to it. Okay, $1,76.56 of purchases on here with $73. And $57 cents of interest accruing, $104 minimum fee payment. We owe $3,038.93. This is the built card. You'd think you paying rent on here, but one, we don't have rent. Yeah, anyway. pointed this card, though. What's going on with this card?

I got it when I did have a rent payment, so I used it, paid it off, no problem. I started using it more when I maxed out those 0% interest APR cards because from the time, I basically went eight months unemployed. So in those eight months between stopping all my social media stuff, aka fanfix. How'd you survive? Zero percent interest. Why didn't you do anything for eight months? months. I did. What'd you do? I was being still consistent on social media, but like we mentioned, it wasn't getting

me anywhere. I wasn't getting any new clients. I was just maintaining the ones that I had. And $800 to $1,000 a month was not cutting it. So finally in February, I was humble enough to get a real job. I was never really taught that I could get a real job. Humility is required for you, so. Yeah. I was supposed to be a millionaire entrepreneur per my parents so I just went I rode that wave I was like we're gonna try

what hit what hits where you went from I'm gonna post almost my full online almost but not really to I can't do this what was the moment? There wasn't really a specific moment I just started deleting the Snapchat's an extreme so what like walk me through it

I was doing fan fix consistently and still making like 20,000 a month, I realized, I just felt empty. I'm like, what is literally all of this for? You know the standard, yeah. And I just... Bills.

I just felt really crappy. Yeah. And I don't want to keep doing it. Yeah, that's a good reason. I'm glad you actually stopped. Because if you felt that way and you didn't stop, which many people do,

because they're all of a sudden they feel like it's their only way they can make their living, That sucks because they're strapped in a chat or in a cycle of having to sexualize themselves online. And that sucks. I think if you want to sexualize yourself online, you know, go for it. I don't give it. But I don't like when people feel trapped.

And the fact that you actually said, you know what, I'm just going to fully back away and even delete something with 600,000 followers, 20,000 hours a month. Respect. I appreciate it. Thanks. That's big. Not a lot of people can do that. Yeah. I will say on the complete opposite side of the moral spectrum.

My retirement plan before the day I just turn off the internet and no one. ever sees me again is to post my asshole on only lands. That's it. That is it. It is a one hole pick. Okay. Very expensive. And then no one hears from me again.

That is my exit plan. That is an interesting exit plan. And it's a nice hole too. Yeah. So, you know. Okay. Stay tuned. We're probably years away.

All right. It'll be there nice and puckered up. Yeah, don't. I don't have to agree with that lifestyle. You're not purchasing it? No, I'm sorry. What the f- That's your fan of the show.

I started watching it like a month ago, I will admit. A month ago, okay. Yeah. Okay, bad mother. I went in and getting some bullshit. Best pet insurance, 80 bucks, okay. You have a pet? I do.

What? A Great Dane. Ooh. I wish you brought the Great Dane. I'm such a fan of Great Dane's. Oh, they're so cool. If this was scheduled later on, I would have brought him. Okay, Prime Video, Lyft ride, Chipole,

Amazon Prime, T-Boba, Starbucks. Yeah. I've seen the Book of Mormon, the play, the musical. Yeah. When the man has his little dream,

his goon dream, when he's a bad boy, there's Starbucks cups jumping around. Oh, I believe it. That stuff's addicting. Really? I'm going to denounce Starbucks.

Me too, because it tastes like horrible. Okay, better practice downtown practice better, the clean life in Vyat Shack. Now, do you, If we're actually talking about this, I know I've done a lot of religious goof, whatever, this conversation, but there's actually one real thing, okay, because all this has been just f***ing around. But one real thing, do you tithe?

I do. Because that's a big part when it comes to these financial conversations. What are you at? 10% every paycheck. Because it's impossible for me to take that away. Because, like, I can take away someone's going and fucking around and doing all this dumpster. I can take away someone's only spending. It's impossible to take away someone's, like, core belief they will,

like refuse in every humanly way possible. Yep. So that's 10% out, every paycheck. So biweekly. That's hard. I know. And you don't even do the tongue. No. You look lesbian too. Wow.

Okay. Is it the haircut? Can we bring in our correspondent to get a confirmation? Of course. I need a ranking. Our residential lesbian correspondent and everyone, Aaron, I need a, how lesbian is she? scale just from this, zero to 10. On the camera, lesbian scale.

What car do you drive? I drive a Toyota four runner. That in modern terms is gayer than a Subaru. How many cats do you own? Zero. Okay. I have a dog. Are you religious? The number one YouTube membership

just got upgraded. Three exclusive shows every day, Monday through Friday. Financial Audit Post shows, exclusive and uncensored financial audit episodes, our call-in show, hammer it out. Well, then take the train, you f! And brand-new shows, Fat and Fatter.

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No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. I am. How religious. I have a strong relationship with Jesus. Why she has girl sleepovers. Girl sleepovers.

I love women. And they practice? They practice. Well, he answered our question for us. She's so practiced tongues. Do it again? Lip movement is like a two on the lesbian scale. The overall vibe.

I got to be honest with you, the hat is similar to what my girlfriend wore in her high school graduation photos. And your wristband there. It's kind of shoving in my face. So I'm going to go with like a seven out of ten on the lesbian scale. The forerunner was huge. Yeah. That was a big bag, I guess. Curbel.

Okay. Well, thank you, ladies and gentlemen for a resident correspondent. Thank you, Aaron. Aaron, you smell different today. No. You asked, I'm sorry. I wouldn't have answered if you... Ladies and gentlemen, if you want your hammer lesbians score,

go to Calebhammer.com forward slash lesbian. Oh my goodness. Well, this is neither lesbian nor straight, but you just paid $10,000 for a finance course? Finance course. We have... When you get all of ours for free, but even if not at dollarwise.com,

it's $197. What the fuck are we doing here? Those business coaches that I was paying $1,000 a month, when I started making a lot of money, like that 50K month on fanfix, I said, hey, I don't know what I'm doing with my finances. So they referred me to somebody who has a school community that does weekly stuff. I had a financial coach. It wasn't even a financial advisor. That's nice. But does that scale it to 10 times the cost?

Yeah. No, 100 times the cost almost. Yeah, $10,000. I will say that that person did save me money come tax season. That's a CPA. You just talked to a FFU.C.A. That would have cost you $1,000. It was one piece of advice that he gave me.

What was it? To file as an S-Corp. Yeah. I know. So, yeah, I filed as an S-Corp for 2024. And I had employees during 2024. For what? Personal.

assistance. For what? Because I was traveling a lot and I needed help with my dog in my house. You were just posting almost. I had friends that liked to travel, so I traveled with- Yeah. And you had two to book your travel? Just to like babysit my dog, to be quite honest, and grocery shop and like maintain the

house while I was gone. There's third-party services that do that on the cheap. I know. You-f- They were my friends and I wanted to hire them. So I paid them $25. $25 an hour. Oh my gosh.

So 10,000 hours and we learned to do S-Corp. Yes. Wow. That was. Ladies and gentlemen, we've conquered the business world. Really got a good return on it. Did you save 10,000 hours in taxes? I saved about 20,000.

Okay, well, that's good. A CPA would have done that for a cost of 1,000. Yeah. My CPA is 850. Huh, uh, huh, uh. Oh, yeah. Oh, you've had a lay fee this year so far on this card. Oh, yeah.

Oh, you betcha. Really? Betcha. You betcha, kiddo. Really? Really? Really? Oh, this is the built card?

Oh, yeah. That was unexpected, I will say. Always happens. Uh-huh. Welcome to Financial Audit. $401.92 of interest accrued this year so far. We're talking thousands at this point by the end of the year. This is crazy.

I'm nauseous. What? Because a lesbian was just in the room for like 30 seconds? It hits you that hard? I personally, I love the lesbians. I love, don't we love the lesbians, ladies and gentlemen? We do, we do. We? Yeah.

Wells Fargo Signify Business Essentials Card. What's going on with this? I was paying for my business coaching on there, and then just other business expenses. And then I'm not sure they need. Well, you just had $206 of purchases. What the fuck is that? I don't know.

Oh, my phone. I don't know. Oh, I'm looking to buy your accounts now that I applied to come on the show a month ago. What's the fuck? You'd be able to tell me what it is. You'd be able to tell me what the fuck it is. Like, it was not streamlined. All my business expenses, all my personal expenses, all my travel expenses.

All my travel expenses. How much you would travel? Not as much now. Good. $1,518. and 13 cents. So let's owed on here with a $47 minimumity payment. Again, $206 of purchases.

$39 payment, $32 and $333.33 of interest accrued. I tried to like spot out the balance. Yeah, that's my bookkeeping. Okay. So that has to be on our credit card that we can't pay off that is accruing interest, though. I just put it on my debit card. No, this is a credit card. I know.

Okay, yes, fair. I've given them like three separate cards. To use, I just want to like spread out the balance accruing. Because I thought that, okay, once my zero percent interest APR credit cards are maxed out, then I need to fan out how much I'm spending on my four other cards. Still don't understand Fort Worth out of all the Texas cities you could have chosen. It makes no sense. Platinum.

That? Like, why couldn't you hear a voice of just something somewhat even halfway enjoyable? I think it's nice. Okay. I would argue that I like it there so far in the two days that I've been there. Yes. Yes, I'm sure you would. 24 years at 10,400, 6,094 cents of the minimum fee payment of 105.

24 years to pay you this one off. Looks like it's interest free for now, but not for long. And you got your GPT on there. Yeah. January. It is no longer. I got that one in January for 0% APR. It's called the reflect card.

I think it's very fitting because it made me reflect on my decisions, but then I still didn't. So I guess it doesn't matter. It ends in about a year, a little over a year, but this is the insane. Listen, there's no deferred interest,

so we don't need to rush to pay this off, but if it was, it would be, but you're not going to have, this is still going to take forever. Right, and the other 0% APR card just is occurring now as of September. So that one was, what,

like the 9,000? So I want to get that one paid off soon. It's fairly low interest compared to the other ones. I just don't know what to do about all these. Well, this actually goes against everything we've talked about. This is conversation so far. It's fun. This must be the hookup.

You went on a cruise with a guy and pay your own way and you had to spend $2,000? That was February of 2024. Oh, okay. Last year? Yep, last year he... So we were like, oh, he's cute. No.

Hit the crew. Oh. No, we're just friends. Yeah. I'm sure that's what he thinks. Yeah. And desires. Ah, you already know.

Yeah. I am? So he, yeah, we, uh, I made the decision to play my hand in blackjack on that cruise. And it was $2,000. That was when I was swimming in money and I had no inhibitions. That's fucking insane. What the fuck? I mean, oh my gosh, now we're at 10,500 on this card.

That's crazy. Did you break up with a friend, friend breakup? Since he wants more and you don't? Yeah, I mean, we're still friends, but like we haven't traveled together. Did he ever try? Yes. And? No.

Oh. We got called out by a comedian on the cruise for sitting in the front row. Cruise comedians, top of the line. Yeah, yeah, it was great. And that, I guess, was our schick the whole time we had traveled to. together. Well, yeah, probably. I'm sure you guys looked like a couple.

This is insane how long this takes the payoff. Yeah, we're going to be paying interest forever. Also, we could do $2,000 on black check. Insanity? Oh, you got your own room during the cruise. Yeah. Okay, that works. Yeah.

That works. I mean, that's a good way to do it, right? Well, it started off as one. Except it's expensive. It was one room. Because he was trying? It just... Was he trying to...

No. It was a tricky situation. I started to get a little... uncomfortable with the close quarters and some of the... Well, because you were sleeping in the same bed. No, we were like... So I called ahead to, like, get the beds separated. Oh, they were two twins.

Yeah, so they were like... But he kept trying to get close? No, we had an issue, a disagreement. On what? My feelings towards... Oh, disagreeing that you weren't into him? Pretty much. Because I had a crush on...

someone else at the time that just so happened to be very close to him. Oh, did you land that one eventually? Periodically. That was the hookup. No. But you were just randomly, he was a friends with benefits? I thought it was going somewhere. You said periodically.

Yeah, like four months. No, that's not periodically. That means you guys were together for four months, right? Yeah. Oh, that's not periodically. It means we're going back and, like we're coming back. We're coming back. We're doing it here and there.

No. That was, yeah. Yeah, your friend must have been hurt. It was a rough trip You're in whoever you're into Yeah I don't know You weren't into the dude

So I got a securite room Was the whole trip bad No Because of this I met a friend That lives in Dallas And so he was the one To pick me up from the airport

So that works Yeah but it was bad with this guy It wasn't too bad Afterwards we kind of reconciled Towards the end a little bit Of the end We had to go the whole way It was like a five day trip

So five days of him being like I disagree that you're not into me Yeah, a few days for sure It's an interesting thing to disagree about, by the way Yeah I don't know if you're able to do that one, champ Yeah Okay

That's rough What the fuck? You've had fees this year so far $9.33 cents I don't even know what that would be A foreign transaction fee maybe Like I don't know Potentially That's such a weird fee

It's such a low fee It's not an annual fee It's not a monthly fee Like I'm so confused I was out of the country once this year To where? Columbia For why to say?

the children? I was on a co-working. I was on a co-working retreat. Oh. Did they pay for it? I paid. I paid for the trip. For everyone?

No, just for me. I wasn't hosting it. Someone else was hosting it. So I went and I spent two weeks there. You're dying in death. Yeah. I don't even know how you're going to survive in Fort Worth. I worked while I was there.

This is insane. Okay, Chase Inc. card. Oh, he got scammed on that trip. I heard. I'm being told. Mildly. I mean, just like... Tell me!

It wasn't full-on scammy. It was just the host made it seem like there were going to be a lot of people there, and it was going to be a lot of networking and connections and stuff. It made it seem like 60 to 80 of us. We're all going to congregate in this hotel and have dinners together and co-work. Because Colombia in Medellin has a big co-working culture. What did you call me? Keep going.

It's called Medellin. It's in the city. And she... So I full... there three days earlier than her to kind of just get a lay of the land. Convert the locals, yep. Oh, for sure. And she got there, and it was her and her boyfriend,

and I was the only one that had paid to be on the trip. So it was like I didn't get as much as I would have hoped to get out of the trip because I wanted to run retreats one day. And I wanted to, she told me she would take me under her wing and, like, kind of be a mentor throughout the experience. but it just didn't give that feel. So, I mean, I still had fun. Like, it was a great experience.

We did a lot of cool stuff, but... Okay. Yeah. And I did work... Chasing card. What's going on with this? You're purchasing more than you're putting towards it by far. You purchased $119.55.

You owe $8,945.32 with the minimum of the payment of $89. What's going on with this? That was the card that I put all of my bills on after I left doing fanfix. and there are still some lingering monthly. Why couldn't you until you got a new job, just try to post pictures you didn't post? Get the agency to do everything, so you didn't think about it,

and then once you land at a place, then just step away. I really thought, I had full conviction, okay? So when I was... But you have full conviction on a lot of things. Right. So working? No. When I, in the springtime, I was doing fan fix,

my business coach wanted to start a school community, with me to help for like women empowerment. What are you doing, man? You're just so much random bullshit. That was a huge issue. But I still have the school community. It's a little bit different now. But I had the vision that I would leave fanfix and then all of a sudden my school

community, which is also $10 a month, would just ramp up because she had, she was the admin of a couple Facebook groups of women who she said would be a good. good target audience. So we were going to market my school community to them. And she told me that through email money. Do you even know what you want to do? Are you going to last in your current job for longer? Are you just going to switch to something else? I feel like you're all over the place constantly. I what, yes. I love my job. Which you've been doing for how long. I've been a dietitian since 2022. This job, though, specifically. February. Of this year? Yes. Right. Okay. Yeah. Let's see how long this last. It looks like you got easy pass on here.

I don't know if I'm doing tolls. in your situation. And then Chewy, that's fine. But again, on a card that is, you said now accruing interest, right? Yeah, now accruing interest. Well, in one day, tomorrow. It starts accruing interest tomorrow.

Yeah. Tomorrow from the day we're filming this. Eight, almost basically $9,000. That's crazy. That was all like September, October. I went on a sabbatical. Oh, IRS. Oh, this is, oh, this is 2024.

Yes. The fancy. debt, not fancy, fan fix. Okay, there's so many out there. Only hams. I'm starting at only hams. You can be your creator on only hams. Sign up and you have to post pictures of well-cooked hams. Ooh. I told you I eat pork. We're the Hartford, with decades of experience ensuring millions of unique small businesses when it comes to your small business insurance.

Thank you. One size absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. Okay. We're so defensive about your pork. Yeah, have some bacon. I don't care. You, what? Fine.

Are you allowed to say a swear? I choose not to. It was the last time you said a swear and what was it? S-H-I-T, a few weeks ago. Or like, no, like a week ago. What made you so angry? I was just talking, yeah. And I said it.

Oh, naughty girl. I admit, oh my gosh. Terrible. What did you do? How did you punish yourself? Didn't. There's still time. I arrest that $12,487 still.

Oh, this is crazy. And what's your minimum fee payment? Yeah, we got penalties and interest like crazy. I'm paying $1,120 a month until May of next year. Yeah. This is fucking wild. And you just weren't expecting it all. The taxes to pay taxes last year?

I was. I paid quarterlies twice. Well, twice? Not... Two out of four. That's why they're a quarter. Yep. And so then when the hurricanes came through,

they said you don't have to pay them until February of 2025. And then by then, I still didn't have the money to pay them. So I just waited till tax season to find out what my total was. And then I said, oh, well, I can't do that either. So at least I am paying something.

Yeah, with interest and penalties. This is fucking crazy. I just don't want this to happen again on any of your independent stuff. It won't. Listen, I'll get your course careers certification and accounting. So when you run a business,

you can at least fucking do this. Get trained up. A lot of people have used this to boost their income and get better jobs in the audience, but you'll do that. And again, why didn't you have,

did you have text money sitting aside at all? No. Because even like that, like next time that happens, it's like, again, just put it in something like, even if you sign up for Weebel, you can sit it there

and it's like at an 8% interest rate temporarily. It's like an incredible place to just put your money. They boost the APY, and there's sign up. bonuses and all that. Like, you could have been milking this, setting aside money for taxes, and then you pay it, and then you made something on the money set aside.

I did for 2022 and 2023. And then the hurricane. He didn't even do anything? To my house. Actually, no way did hit West Florida hard last year. I remember that, right? There were two. Yeah, because I remember seeing Penguin Zero.

I think he, like, lost another, he's a YouTuber. There's a lot. A lot of people lost homes. I was not one of them. I think he was streaming during the hurricane, too. It was kind of crazy. Yeah. Fair enough.

Is that all your debt? Yes. Six credit cards. Two pages, the IRS. And we're just picking up everything and moving. Yeah. Just unprepared. Okay.

Because it's going to cost money to move, right? You're probably packing up shit moving. I'm just packing up my forerunner and my dog. That's a way to do. It's a cheaper way to do it. That's how I moved to Austin seven years ago. You don't have to do the thousands of dollars to move like so many people do. Just fucking move.

If you're starting a new life, just start a new life. Yeah. 18 miles per gallon isn't great for the drive. No. It'll make do. It's still better than packing up a whole truck or moving company even worse and whatnot. Okay, it's checking the count down from...

Look at the starting number in your checking account from last month. What is it? $666. That's crazy! Ended with $214. We ain't got some bullshit. Got some Chipotle, bad mother,

whatever the f***. is bad mother zeal it on money zelen out money venmoina money money van moin out money zaza cuban zaza cuban hulu plus spotify zelan out money medworm zelen on money cover oh what the f you're so much bolstice sending when you have debt that you can't pay and you're trying to make this big move why why why are you spending so much on bullshed going out to e was almost $400 miscellaneous was basically $450 $450 yeah like that's almost $1,000.000. I was a bullshit.

Yeah. Why? Couldn't keep track. Well, keep track. Use a budgeting app. It's as easy as that. I mean, you get a free one here, so. I'm looking forward to it.

Yeah. I can just, I track my fixed expenses, and then my variable and whatever I choose to spend, I did not track at all. And the problem was I was putting a lot on credit cards just continuously. and I've made a commitment to myself that I'm going to just spend on my regular personal checking

from here on out. If I don't have money, I'm not spending. So in this 12th park, we get 1,379 again, down from over 2000. So we're just headed down. This is just transfers back and forth and we got a service fee of monthly. Then $69 in this account,

down from 511. Yeah. It's a grim situation. Yeah, it's Canva, PayPal, not money. This is, We don't have savings. We don't have anything. No.

Okay, let's see if we can make a budget. I'm sure we can. Then we're going to budget this in the fourth-worth situation. I'm not going to write in the cost of the house, your house, because I'm going to consider that just a, you know, break-even. So I'll cross it out. I mean, obviously, you owe on the debt. In the moms, I don't know.

What the fuck do we do with that? Any advice? Well, you've already, like, prompts the, like, yeah, we want to get her out as soon as possible. Yeah. I mean, I would at least try to break even on rental. I don't know about short term. It's not really where we are. Yeah, still needs a few renovations before we do that.

Mild, but still. Hey, total income, $6,000. What's your new rent? 1,300. What about utilities and all that? It'll probably be about $150. Okay. Let's get your debt minimums payments.

I don't know what to calculate when it comes to your mom's house. Maybe I'll say just to average it out I'll give you like $1,000 to that Yeah Like what's the fuck Because you're not going to like just lose it right You'll make the payment

Like what else what other option is there? Yeah if I have to absolutely No student loans? Nope Did you go to college? I did Okay debt minimums depends We're going to call it $2,640

But again it's a weird situation Phone bill I don't that's the one thing my dad still pays for Okay if you ever have to I would do heal Okay. If T-Mobile's good in your area. It's a good way to get it for like $15.

Okay. Gas, gas, room, drive, drive. How much? Like $160 a month? Not that bad. Car insurance. $191. $300 for groceries.

You can do it. I don't know if there's H-E-B there, but that's what we've used to prove it. You just have the meal prep, meal prep, meal prep, use that microwave to warm it back up. TP fund, anything else you need to survive? Tampons for all your period content. $100 should be good. Medical health care. Any copays on a monthly basis required?

Nope. Okay. Do you have a gym? I do. It's $20 a month. Good. Subscriptions, I'll try to give you $30. Pet insurance.

What was that? 80 bucks, I think, I saw in there. 77. How much for dog food? 350. A month. That's insane. It's more than you.

Yes. And we'll say 77 for the pet insurance. It's not really. Okay. Well, that's wild. Are you able to cut that down? Like, I don't know. I don't want you to not provide them good stuff, but are you going to an extreme that is unnecessary?

I feed him half raw, half. And is that necessary? I will sacrifice. Remember, kibble's good for their teeth. True. So he gets that. He gets gone. Oftentimes, they recommend, even many vests these days are recommending kibble over soft for dogs.

I was spending $400 a month, and that's me scaling it back. I yeah depending it'll be like 300 or 350 but we can fit it even with your mom weird situation and I'm putting a thousand aside for that I don't know monthly basis five thousand three hundred eighteen dollars so but then my minimum that's with your minimum payments including a thousand for the mom's house okay crossing out your mortgage because someone's covering the rent $862 left bad debt okay we got it let's find it's the well I mean the mortgages aren't rates, but maybe when values goes up and rates go down, you can refinance to a lower rate. $42,080 a bad debt, $6802 on a monthly basis, 61 months, five years to pay it off.

I think you could, you know, you'll continue to bring in more money. I think you'll bring that down to about four years. I think you'll be out of debt. I have a fully funded emergency fund of about four years, I would bet. If you actually budget and go, you know, hard and go crazy. I guess there's not much to do in Fort Worth anyway. True. Once a year, there's some exciting thing that everyone likes.

Other than that, you can drive on the highway. What do I pay down first? What makes sense? I don't know. Is there a strategy to this? I would just go smallest to largest balances for you to stay motivated along the way since you haven't done it before. Yeah.

Okay. Other than that, that's what I'm focusing on. I appreciate it. I appreciate your time. All right, ladies and gentlemen, I'll give her her Hammer Financial score. But make sure you come join us in the Post Show. It'll be fun. It always is, join Hammer Elite.

I'll see you guys there. But the Hammer Financial score spending your budget, technically spent, no, you spent more than you brought in. We saw it so zero out of ten debt. The mortgage situation's weird and you're not paying it. And I will arrest that. There it is zero out of ten. Emergency fund.

No savings zero or ten. Retirement I didn't say a zero out of ten. Real estate is the only thing that's caring. us, but you would at best break even selling both places. The interest rates aren't great. One's kind of renting, but not in a cash flow position, especially as setting money aside. It's weird. This isn't great.

It's very middle of the road, five out of ten. So Hammer Financial Score is going to be a one out of ten. Click that join button, join Hammer Elite for three premium shows posted every single day, Monday through Friday, including the post show and extra 20 minutes of this episode. I'll see you there. Last week, you borrowed money from your dad. I did. For F*** why!

But I had auto draft. And they took out my mortgage payment. Right before coming on the show, you said, oh, I'm good for the last month. Now you come on the show and you borrow money from Dad? What the fuck is going on? Glusive members' content? Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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