Financial Audit - $530,000 Of Taylor Swift Debt | Financial Audit

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Starting point is 00:00:35 At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. I have never got to grieve my divorce. Who chose to divorce? I did. You don't know how expensive kids are. I do. It is math.

Starting point is 00:00:55 It is numbers. It's not math. It's not math? You can't just label like, oh, it costs 10 grand a year for each kid. I don't do that. I budget. on the household. Have you ever watched this though? Or are you just a moron?

Starting point is 00:01:07 Oh, no. Taylor Swift shop. F*** you. Hi, I'm Taylor. I'm 31 years old and I'm from Austin, Texas. And this is Financial Audit. Thanks for coming into the studio. Rare that we get locals these days. What do you do here in Austin, Texas?

Starting point is 00:01:24 I am a charge nurse at a hospital. You look like a nurse. You got nurse vibes. You're like nurse classic. Yeah. Is that more of like the mean mental institution nurse? Okay, so let's talk about that because I got a bone to pick with you. For mean mental?

Starting point is 00:01:41 I watched one of your episodes where you generalize nurses as mean. Well, I think everyone thinks nurses are mean. I have a nurse mother and she's not mean, but I think everyone generalizes nurses as cunt. I mean, they're very mean to each other. They're very catty. There's always drama at the hospital. I am here. And no one likes the needle that gets stuff.

Starting point is 00:02:02 stuck with anyway. Understandable, but I am here to just clear the air as a nice nurse and nurses I work with that not all nurses are mean. Not all nurses are mean. There are nice nurses. Just admit it. Oh, yeah, but stereotypes, there are stereotypes for a reason. Of course there's nice nurses.

Starting point is 00:02:20 Absolutely true. And I'm not going to go into other stereotypes because it would get me canceled. That not everyone does certain things. Fair, fair. But they exist for a reason. True. I like mayonnaise. Is mayonnaise an instrument?

Starting point is 00:02:36 Not all white people like mayonnaise. Nurses are cats. Okay. I mean, again, my mom's nurse. Not really. I'm kidding. Kind of, to a certain point. I hope so.

Starting point is 00:02:45 I hope you love your mom. She probably works very hard as a nurse. And she does, and I highly encourage her. We're hard workers. Well, I respect the fuck out of it because she went back to school, you know, and did lots of nighttime school when I was growing up to kind of get us out of that lower middle class on the verge of poverty and losing a house thing. So I love it.

Starting point is 00:03:03 But okay, you're a nurse. Nurses do make decent money, and it is more recession-resistant. I'm recession-proof, but being in a large city certainly helps, like Austin, Texas. How much do you make? I make take home about $6,000 a month.

Starting point is 00:03:17 Okay. How you doing in Austin on $6,000 a month? Not bad. Listen, cost a living, compared to most places in the country, has actually gone down in Austin, Texas, because we actually build housing. Who would have thought?

Starting point is 00:03:30 the fact of just allowing developers to build housing is really the only solution you need. You don't need all these performative policies that sound like they're going to do well and then never actually work in any historical context. Blows my mind. How you doing in that 6,000? I'm doing fairly well. But I will. Really? Because I literally have like a pass-through payment on my first document.

Starting point is 00:03:51 I don't even know what it is. It's just highlighted in bright red past due. I don't even know what the document is yet. But it's like glaring to me. year. So that's doing well. I don't know if I want the person who's supposed to be drawing my blood stressed about being passed due on something. What is this?

Starting point is 00:04:10 This is a mortgage. Yeah. Oh, dude, I definitely don't want you to be the one with the needle near me if you're fearing paying your fucking house. Have nothing to do with my money and management. Everyone's work gets a little more.

Starting point is 00:04:30 There is energy is brought to every aspect of life, if there is stressed, especially a loser a house. Yeah, that comes to you, the work that comes to you in relationships, it comes to you with everything. What the fuck you're doing okay? What do you... Behind a mortgage. I wouldn't tell you I wouldn't tell you I'm doing

Starting point is 00:04:48 okay if I was behind on a mortgage. There needs to be adjustments made. But how is that doing okay? I don't think that's doing okay if adjustments need to be made. If adjustments were made and things are doing well, that would be you doing okay. I don't think you're doing okay. There were lots of recent changes in lifestyle that needed to happen. that I'm having hard time adjusting.

Starting point is 00:05:03 Because you won't and whatever, okay. Correct. Not wrong. But, yes, I... Oh, my, Colton, if what you just texted me is true... Oh, here it comes. This is... I know exactly what you're about to say. You're behind in your mortgage to purchase a dog, a f*** dog.

Starting point is 00:05:26 Mm-hmm. And I love dogs. I don't lose my house because of that. What the fuck wrong with you? house, okay? It's, I got this. For now, people do every day.

Starting point is 00:05:38 Okay, yes. Tens of thousands a year. I... What is wrong with you? A dog instead of your mortgage? I wanted a dog. I wanted a dog so bad. I want a thousand dogs.

Starting point is 00:05:49 You're talking to the person who loves dogs more than basically humans. I have passed up. Okay, I have passed up on five dogs. Okay. I grew up with dogs my whole life. Oh, no. I've got kids.

Starting point is 00:06:02 I want them. to grow up with dogs. You have children? I do have children. You're behind on your mortgage payment for a dog and you have children? I do. What is wrong with you? You beast? You nursing beast? Oh, why, dude? I'm, what the fuck is wrong with you? I want them to have the experience of growing up with a dog. Wants, child, child, mother child. How old are, well, okay, I'm here more than one kid. How many kids and what are their ages? I have four children. They are Oh, you. Okay, four kids. Not bad having that many kids would not pay your A mortgage for a dog will having four children?

Starting point is 00:06:40 Ew! Seven, five, five, and two. Oh, those were the five-year-old's twins? Yeah, twins. I've been showing you how much information data brokers actually collect on you. Someone's address is actually visible publicly. Here's how absurd the industry is. Last year, the largest data broker got hacked.

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Starting point is 00:08:02 Oh, dude, what are you doing? Yes. What are you doing? And either way, you could have gotten in a dog with us, spending trillions of $5.000 missing a payment. Have you ever heard of Austin Pets Live or the Austin Animal Shelter? I have, but I have a, okay, I think that people. You're greedy?

Starting point is 00:08:18 No, I think that people that adopt dogs are fabulous. It would never be a good fit for me and my family, and I'm going to tell you why. Yeah, I'm going to need to hear a really good reason. My sister, there's a little bit of trauma there. My sister had adopted a dog who had... Does your sister live with you? She does not live with me. Die.

Starting point is 00:08:37 Okay. She had a dog that lunged at my child a couple of times. That is not because of a shelter dog. That is lack of training. She paid for a lot of training. Then that is a bad dog. It was a bad dog. You can, you can like test out dogs.

Starting point is 00:08:53 Dog was put down. Dog is no longer alive. I don't want to go through the emotional trauma. You can test out dogs. Okay. You could, I suppose. But it's too risky. I got my second dog.

Starting point is 00:09:12 I have too many children that are too young. I cannot wear spring them into. I don't know if you know that. So like I don't care. Like that is what you did. It is what I did. You enjoyed the pleasure of it and then you pooped them out. That's what happens.

Starting point is 00:09:23 That is math. That is not how that happens. But sure. That is math. It's not math. It's not even biology. No, it's math. Penis vagina.

Starting point is 00:09:34 Couldn't plan for the twins. That was a two-for-deal. Couldn't help that. That just happened. Yeah, but you know they're coming after a bit. I mean, Yeah, but like how does one wrap their brain around? Listen.

Starting point is 00:09:45 Listen. It's a lot. It's a lot. Just admit it's a lot. What? Twins? Yeah. No shit. Okay, thank you. Who wouldn't say that? I don't know what you're talking about. Okay, listen, I was going to the Austin Animal Shelter.

Starting point is 00:09:58 Decently before adopting my dog pair, I didn't get her through the animal shelter. She was being fostered and I met her at a bar, but it was, you know, similar thing. Essentially, it was like an Austin Animal Shelter shelter. But going through the process at the Austin Animal Shelter a couple years ago, they'll let you, if I'm not mistaken, like take them home, see how the dog is. Because obviously that dog of the trauma that is surrounding it is obviously, first of all, if there was an actual dog trauma, it would be trauma associated with all dogs, not the Austin Animal Shelter.

Starting point is 00:10:29 Fuck off with that. That is an actual phobia that people deal with. You're making excuses for being selfish and purchasing a dog. And you can purchase a dog. I don't personally give a shit when it gets their dog. I like a dog. I also like purchasing. I don't give a f***.

Starting point is 00:10:42 Just get dogs. Dogs are incredible. Same with cats. Same with every animal. I want a pet cow if I can have one. Either way, if I'm not mistaken, you can take them, test them home. Test them at home, test them for a while. You can take them around the yard.

Starting point is 00:10:54 You can do a lot of things with the dogs before you commit to a full-on adoption. Yeah, it was not. What you could have done before missing your mortgage payment, which is the big thing here. I had several people tell me not to do it. Well, yes, because it's a dumb-ass decision. Dole? No. It was not great.

Starting point is 00:11:12 And I had an immediate regret. What the fuck dog did you get? You want to see a picture of her? No, just tell me what dog you got. You want to see a picture for her. She's, okay. Whatever, sure. She's three quarters bulldog, and she's one quarter beagle.

Starting point is 00:11:24 And her name is Clover. You paid money for a bulldog? Yeah. Of course I did. Bulldogs are amazing. What do you mean? You paid money for? Of course I paid money for a bulldog.

Starting point is 00:11:34 She's adorable. That's usually what's at the Austin Animal Shelter and Austin Pet's a lot. Bulldogs? Not bulldog. I never heard. have seen bulls. Oh, pit bulls. Pit bulls.

Starting point is 00:11:41 That's different. Sorry, you're right. Okay, so this is her. She's a great gal. Yeah, it looks like, honestly looks like half the dogs at the shelter. That's fine. I don't, she's cute, but they're all cute too. I'm not saying, that's not an insult.

Starting point is 00:11:53 It's not a bad thing. There's nothing unique there. You know, I usually think of like a white hair golden retriever or something. I don't know. Yeah, but people aren't giving up their golden retrievers and putting them in pounds. They're giving up pit bulls that are questionable to bring home. It's not only pit bulls. There's also pit bulls.

Starting point is 00:12:06 And there's lots of non pit bulls as well there. I've seen Golden Retrievers there. At the shelter. They go very quickly, but I have seen it. They go very quickly. You don't see puppies. You do. You don't see labs.

Starting point is 00:12:17 There is a puppy road. There is a puppy row. Absolutely. You've never been. Puppies are on road. You've never been. Puppies are on death door. People are.

Starting point is 00:12:25 There is a puppy road. There's an entire hallway at the Austin Animal Shelter that is puppies and rabbits. I admit. I've never been. Yeah. You come. Like, what are you talking about? How can you make an argument of something you've never even meant to?

Starting point is 00:12:37 I've been there like a dozen times. minimum. I've lived in Austin, well, on and off in Austin for eight years. But haven't gone. No, I haven't gone. Shut the fuck off then. I don't give a shit. This is selfish. How much did you spend? $950. What? And that made you miss your mortgage? That doesn't make any sense. Your past due 6,037. Well. Your past due two months. This wasn't the dog. I mean, the dog was a dumb decision that obviously went in to you. It was the decision that put me over the edge. No, no, no, no, no, no, no, no, no, no, two months in a row. Two months in a row. Two months in a row. Two months in a row. Two months in a fucking row? Two months?

Starting point is 00:13:13 Two months from a $900 dog? That doesn't make sense. That doesn't make sense. What are you talking about? What kind of mother are you? There's bad habits. Bad habits, bad mother. No, not a bad mother.

Starting point is 00:13:25 You're two months behind in your mortgage, the roof over your children's house. You, what else do you think that is? What are you talking about? There were, like I said, a lot of things that had happened in the past year, I've gone through a lot of life changes where...

Starting point is 00:13:39 Everyone does like change. Every day, what are we going to do? You make the money. You have the money. I do have the money. The math is there. Honestly, the math does kind of suck. It's 50% of your income.

Starting point is 00:13:49 So, no, not really. You have way more mortgage than you should have. And when you have a partner who's equally contributing to... It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill 3-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights

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Starting point is 00:14:31 I finalized my divorce in January. Do you guys live together? No, not anymore. You broke up. That's what I said. Okay. Yeah, divorce. Okay, whatever.

Starting point is 00:14:41 Same thing. You lost the second part of an income. Well, I think we'll break up as a boyfriend. A divorce is a husband. It's different. Well, sure, but it is still like not having that income. Is he on the mortgage? He is on the mortgage.

Starting point is 00:14:50 Well, there you go. So that should be okay. He should be providing towards that. He is not providing for it. He should be giving child support. He is in a way. What? So we are true 50-50 custody.

Starting point is 00:15:04 And I had agreed to not take child support from him because we were splitting everything down the middle. You have 50-50 custody. We do. We split everything very equal. I didn't. Then you shouldn't. I didn't think it was right to.

Starting point is 00:15:16 But that equal is paying kind of the mortgage to a certain point, especially if he's on it. So we split all of our children's school expenses, extracurricular activities, doctor visits, things like that. Yeah, that's good. When it comes to our- Wait, you just broke up with another dude. Well, he would- Wait someone else? I was dating him while I was going through my divorce.

Starting point is 00:15:37 Yeah, boy. He just broke up with him? What are you flying through? No. No, I'm confused. No, no, no. Okay. Divorce was initiated in March of 2024.

Starting point is 00:15:50 It was finalized this past January. We had been separated since March. Because it... Lots of fights? We didn't agree, always on the terms. Okay. So it did have to go back through the lawyers a couple of times, which cost me significant. Oh, you want to get another dog, too.

Starting point is 00:16:06 That's great. You already have four children. A dog you can't have. for a household you're not paying for going through men like it's candy I'm like what are we doing and you want to get another dog? What the fuck? Just settle for a second.

Starting point is 00:16:18 Calm the fuck down for a second dude. My whole life has been chaos. I've lived my life in chaos. And I don't know how to settle down. It hasn't worked. You're right. So stop. I would love to know how. Okay. Don't get another dog. There you go. I solved it. I don't have the other dog.

Starting point is 00:16:34 I know, but you're considering it and that would be more chaos. Don't. I'm not. I'm not going to do it. No, bullshit. You're considering it. You're wanting it. F*** off. I'm not going to do it. That was a terrifying noise.

Starting point is 00:16:45 Well, it's how I feel. What? When you don't get a new thing that you want? Yeah, I get frustrated. So when did you just break up with this dude? Was he helping to pay them more at the garage? Were you guys living together? We were living together.

Starting point is 00:16:57 Okay, so he was helping to pay the bills. He was contributing. When did you guys break up? We broke up in March of this year. March 25. So you're just trying to go get another one in there so that he can help pay the bills? Like, I don't know how you 50% go into your mortgage. is insanity.

Starting point is 00:17:09 My entire adult life, I have always had a financial partner to help me split the responsibilities. To seek first time in my life that I have had to do this by myself. So that's why I'm asking. Are you trying to get someone else in to help split the bill? No, I'm taking time for myself. Taking time for yourself, but paying over 50% to your mortgage and now you're missing two months. There's an adjustment that needs to happen. Adjustment.

Starting point is 00:17:29 We're talking on the third month of about to be missed payments. We're well into adjustment. Also March is a while ago. So there was a loan modification. That happened on the mortgage. Why? The year that we were going through the divorce, March of 2024, through the end of 2024.

Starting point is 00:17:45 No, you said this year you broke up with the due to March. That was the boyfriend. I'm talking about the ex-husband. So you've been independent for a while. So what is this adjustment? You need a whole year to adjust? What is wrong with you? I have not been independent for a while.

Starting point is 00:17:58 I've been independent since March of this year. March. March is a while ago. It was that long ago. Yes, it absolutely is. Dude, I adjusted things within a week or two. Okay, great. You don't have kids. I don't have kids.

Starting point is 00:18:07 I don't have kids. but this doesn't take a year to adjust a budget, write it down, look at it, see how much money you have, what money needs to go out. Kids are expensive. It are expensive. But if you write it down, see how much money needs to go out, how much money is coming in, you at least know what's going on. And you can start making adjustments. If you're telling me it takes a year that's you being an irresponsible mother because the kids rely on having a roof over their head and food on the table. Fuck you.

Starting point is 00:18:32 It's a work in progress. No. Yes. No, it's literally not in progress is the thing. It is in progress. It's in March. I'm going through a transition. Oh, my goodness.

Starting point is 00:18:42 It is a transition. I went through such a hard little brain coming on a divorce. And I got kids, so I just really don't have to do anything and I'll just call it an endless transition forever. That's what you're doing. There are bad habits that need to be broken.

Starting point is 00:18:55 Yes. Need to be broken. It's a broken in progress. Working progress. Work and fuck you. None of it's being done. It needs to be. It should have.

Starting point is 00:19:02 In progress, there's no progress. What are you talking about? These endless future, like, statements and words you're using. The progress means it's the future. Needs to be fixed. Needs to be stopped. It's the future.

Starting point is 00:19:14 Nothing's now. Nothing's been done since March. You're an irresponsible person. Everyone else who comes on the show. This isn't a groundbreaking thing. This isn't a groundbreaking thing. We know what comes in. How much went out last month?

Starting point is 00:19:30 Probably all of it in bills. $10,000. Jesus. Yeah. Transition? You transition. I thought I'd be caught up by now. Well, when you don't actually do that transition and fix the things that need to be fixed,

Starting point is 00:19:46 in what world would you be caught up by now? That doesn't make sense. There is no caught up by now. Well, when I got the dog, I was thinking that it wouldn't take me this long to get back on track. It was $900 for a $3,000 mortgage, of which you're two months about to be three months behind. And there's definitely an adjustment that I'm in the progress of making. Adjustment. What the fuck?

Starting point is 00:20:09 Adjustment of knowing how much I have to cut out, like what lifestyle I can no longer have. If you wrote it down, you would know. I mean, I write down my bills, but... You write down your bills, but not how much money needs to go from where to what, when, how, all this stuff for proper budget. Just writing down your bills, you're like, all right, I wrote down the bills, job done. What, like, what is that? What does that accomplish? There's a number blindness to it, for sure.

Starting point is 00:20:33 Well, yes, I am blind to things I don't see when I don't look at them. Of course. No shit. Mm-hmm. Yeah. So it's like I'm wanting to keep up with the Joneses like I was when I was married and had a financial partner, but I'm realizing that that's not doable. Like, I can't do that. I have to make sacrifices and I want to make sacrifices. Listen, I hear you. That all sounds so good. You sound so reasonable. You said it's been since March. You know what you want to do. You've done nothing. Fuck you. Like, yeah, you can sit here and say the good talk. That's the good talk, what you just did. you've done nothing.

Starting point is 00:21:10 You've done nothing. So what is the point of saying all that when you won't do it? I guess that's why I'm here. I need the tough love. Do you feel like you need to compete with your exes with the kid? Like what are you trying to do? Keep it up with the Joneses? Is it endlessly performing the, oh, I'm the better one?

Starting point is 00:21:27 I ended up better. It's not about that. I think it's about, like, FOMO. It's like fear of missing out. Like, I want to do things that my friends are doing. How about missing out on having a roof over your kid's head? That would be a pretty big missout. would be you're right you want to join the club downtown on 6th Street swinging machetes

Starting point is 00:21:44 no no I almost aren't very nice here no I I but I had confidence in myself that I was going to get back on track I just didn't anticipate and crunch the numbers to see the length of time that that would actually take and now I'm I've made my bet I'm laying in it like I'm seeing the consequences of those actions seven months since the breakup like I don't know I can't take that I I also was not always making this much money as I am now. I came into this new charge nurse role very recently. Okay. When you started making this much money?

Starting point is 00:22:17 Um, it's been... Well, that doesn't matter anyway. You overspend by $3,000. So what are you talking about? It's been two months since I came into the role. Well, you're still overspending. What were you bringing home at that point? Um, I mean, I was only making like $2 less than I'm making now an hour.

Starting point is 00:22:31 So whatever that math is. Okay. I mean, it's, it's decent, but make a break. I mean, you can still budget, but when you have an expensive mortgage on that, it doesn't really make sense. Now, I know you got the house and the divorce, but his name is still on the deed. I'm being told you you use it as leverage. He's not on the deed. He's on the bank note.

Starting point is 00:22:49 And I'm being told you use it as leverage. Like in what way? Leverage, like. I mean, you told Colton that if it'll f*** his credit, if things aren't paid. So if he's not giving money, you're doing certain things, you hold it over him. He has a financial, like, interest in this because, yeah. Meaning you can hold it over his head is leverage when he doesn't do what you want. He does a lot for me and he does help me with the kids and I'm not looking to do that.

Starting point is 00:23:13 Why do you tell Colton you specifically do that? Do what? I love when people change their tune on camera to look good. Yeah, it's the perfect mother. Mm-hmm. I'm a great mother. Why would you tell the producer that? You do.

Starting point is 00:23:26 And I change your tune on camera. His name is on the bank note. He does have interest in the house. I would not hold that over his head. You ever feel like the only thing AI is helping you with is showing you more ads, for stuff you just Googled. Meanwhile, your business is just sitting there like, hey, maybe could I get some of that intelligence too? Every business is asking how do we actually make AI work for us? And the wrong answer is just wait and see, because your competitors are not waiting.

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Starting point is 00:24:32 That is netsuite. com slash hammer. Let's get back to the episode. course not, which is why he definitely didn't tell the producers that you sometimes do. No, I don't. Uh-huh. He's helping me a lot with my kids. A lot.

Starting point is 00:24:49 He, like, I, currently in the state that I'm in, I am not able to provide my half of the things that the kids are doing. And he's taking that hit right now for me. He's paying the full amount. What's the budget for the kids? When he needs to go for the kids? When he's to be spent for the kids? kids. Obviously, groceries, obviously school supplies here and there, but what else outside of that? My son plays baseball. Okay, that's seasonal.

Starting point is 00:25:14 It's seasonal, so it was like $120 for the season. What the fuck? You make $6,000 a month, even with the $3,000 mortgage, that does not make a break you, especially if you're split it up 50-50. What is it wrong with you're complaining about that? That is what you're struggling with? Birthday parties and things going on at school and their Halloween costumes. Do you know Halloween costumes are like $60 a pop? My kids are tiny. But even still, once a year, that can be budgeted into your money. These numbers are not make a break for you. They're not, but you're acting like they are.

Starting point is 00:25:44 Mostly because of some kind of lifestyle you're likely living for yourself if we're being honest. And I think just for me personally, like I grew up... And you're making your ex pay for your daughter's birthday party because... Because I can't pay the half of it right now. Which, by the way, doubt. I mean, if you just cut back on the spending you're choosing to do for yourself, you could. But it's not, I wouldn't even say that it's all for me. It's really for a lot of it is for my kids.

Starting point is 00:26:09 I'm trying to give them the life that I didn't get to have growing up. Oh, fuck off. We'll go through that. Come on, you're getting self of joy from that as well. Maybe slightly, but not. Absolutely. In the human psychology, 100% when it comes to gifting, yes. The numbers are not the same.

Starting point is 00:26:23 Like, what I spend on myself is not nearly what I spent on my kids. Not even close. Not even close. Oh, we'll see. We got the numbers. Okay, they're in front of you. What do you think your financial score is zero. to 10s, you're being the worst, 10 being the best.

Starting point is 00:26:37 Like a two. If you want your financial score, take the assessment. It is free to take at Calebhammer.com. You can see where you need to improve, where you're already doing okay. And if you don't want to be like a guest who ends up on the show, make sure you download the new and improved dollar-wise budgeting app, lots of features being added. It is absolutely incredible.

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Starting point is 00:27:16 So yeah, you know, something that your kids might want as a fucking house. First document. Again, let's put it down. You're talking about these priorities and life experiences that you didn't get to have that they want to have? What about not losing a house? I would never... That's not your choice. 100%.

Starting point is 00:27:36 If it comes down to it living the lifestyle you live today, it is not your choice. If the bank takes it away. It's your choice to do the... It would never get to that point. No, I don't believe you. It gets to that point constantly for people all across this country.

Starting point is 00:27:48 It would never get to that point. It will never happen to me for everything. Car crashes, whatever. Anything and everything, we all think it'll never happen to us. You are about to be three months behind. This makes no sense how you can just sit here

Starting point is 00:28:01 and be like that will not. be me. How can you say that? It is... How can you say it? It is a really rough adjustment coming from not having contribution income from a partner. Seven months. That is, everyone I talk to, that is an astronomically high mortgage. Most people are not paying three grand a month. It absolutely is. You probably shouldn't have it in the divorce. I don't know if I would have kept it in your income situation. He didn't want it and I didn't want it. Yeah, but maybe we sell it. This, that wasn't an option. Why? Because the realtor told us that we would have to bring a check to closing. The house is only a year, it was only a year old at the time. But that check to closing

Starting point is 00:28:36 still might be more reasonable. 50 grand? Then you losing, then you lose, 60 grand. Then you lose a house and getting zero. Where was 50 or 60 grand going to come from? Well, 50 or 60 grand, I don't know, but I would have come to an agreement where, okay, if he's on the mortgage and we're not going to sell it. He has to at least provide maybe a fourth or a third to help subsidize. He doesn't have it. I don't have it. Well, then you guys shouldn't have got the house together. If you both don't have it together, then fuck you. This was a decision and you will face the consequences for it. And that might be a part. And that might be a Neither one of us can afford the house separate.

Starting point is 00:29:04 You just said he doesn't have it. If he provides a fourth and you provide two third, uh, three fours, yeah. Yeah, I guess that, yeah. Yeah, I mean, you can't fucking do this. No shit. I can do it. It's over 50% of your income. I can do it.

Starting point is 00:29:19 With discipline that I haven't done in seven months because it's an endless transition. I'm going to be 50 years old and say, guys, I'm just going to a transition period. No. Transition. You should have an end. You're just in an endless metamorphous. Just whiz- I'm ending it now. No, you're not. Okay, great.

Starting point is 00:29:35 I am. Oh, you're on the show, so now I'm going to say what's good. Hey, I'm ending it right now. It means nothing. You have no behavior that is led up to this that would suggest you're going to leave it after this. I need to implement a rule because I swear everyone comes on. They do absolutely nothing. Then they say here and they're like, I'm changing it today. It's perfect.

Starting point is 00:29:52 There's no proof that I will do it or stick to it. I'm doing it right now. Like, you can't just say that to get out of any kind of pushback about how you've been living your life, even yesterday. But you have to admit that when you do have a partner, your entire adult life, who contributes? Like, when you lose that income? Totally agree. It's been seven months.

Starting point is 00:30:10 Fuck off. Seven months is not a lot of time. And especially when you have kids. Seven months is a lot of time to make seven individual budgets. You don't know how expensive kids are. I do. It is math. It is not math.

Starting point is 00:30:22 It's not math. The numbers around kids are not math. You can't just label like, oh, it costs 10 grand a year for each kid. I don't do that. I budget based on the household. Have you ever watched this show or are you just a moron? I know everyone that comes on the show watches the show so you're either just a dumb...

Starting point is 00:30:39 sitting here trying to make an argument that doesn't exist... You're trying to fight an argument that I've never made. I've seen like three episodes of your show. I didn't even know really the show until my friend told me about it. Okay, you've seen three episodes. I think you've seen a decent amount of the show. Yeah. Doesn't change that much.

Starting point is 00:30:54 Kids and what they cost fluctuates... Are numbers and fluctuates and guess what? You put that in budge. You've had seven months to make seven budgets and adjusting, get adapting, and your first two, your first three will not be perfect, but you get closer and closer. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy, or the price holds you back. Price line is here to help you make it happen.

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Starting point is 00:31:42 oh, it's a transition. Things are changing. And then you did nothing. But the relationship is not the entire length of time that I've had to pay the mortgage back. My first mortgage payment wasn't due until July. We did a remodification. They told me in.

Starting point is 00:31:57 April what my new payment was going to be based on the modification they made. My first mortgage payment was due July. What was your mortgage payment before that? Before that was it was like just shy of $3,400 a month. Okay, so it's less. And yeah, she's about to be behind three. That was what the mortgage payment was for both of us paying. Oh, you creature. We didn't, the mortgage, FYI, was not paid for a whole year while we were going through the divorce. That argument goes against you, though. The mortgage has been decreased,

Starting point is 00:32:29 and yet you're still about to be three months behind. You're going to lose your house. But now I'm doing it by myself. I'm not going to lose my house. I know, but you haven't a death. So when it was $3,400 a month. Guys, I'm doing it by myself. That's why I spent on miscellaneous bull's loan, $771.

Starting point is 00:32:45 $700 is not a lot. On miscellaneous bull's. Miscellaneous, that could be like my kids needed band-aids. Like, that's not. Well, band-aids we wouldn't put in bullshit. Well, okay, so when... Miscellaneous. Well, obviously we're going to go through it,

Starting point is 00:32:58 but miscellaneous bullshit usually means getting like a monster energy drink from a gas station or a video game. It's those random things that are not necessary. I'm not saying you did that. Obviously, we haven't gone through the purchases. Are you actually a... The thing is, I'm saying

Starting point is 00:33:14 those type of purchases equal miscellaneous bullshit are things that add nothing of value. You spent borderline $800 on it. You spent close to $400 going on. to eat. Complaining and crying about having to pay the mortgage, you spent minimum a thousand, $1,100 on bullshit minimum. There are, there's enlarged purchases that are unknown. We don't know what they are that we'll go through. $2,741. I bet a lot of that's bullshed too. But at minimum, you spent $1,100 on bullshit cry about the mortgage and having to adapt. You're irresponsible.

Starting point is 00:33:46 You are a bad adult. I don't, I don't buy. I don't buy that. That was mostly just like, useless. What? Whatever miscellaneous. Oh, you. It's not mine. It was probably stuff I needed to buy for the kids. Need?

Starting point is 00:34:04 Need. Do you know what the word need is? Yeah, I do. I know the difference between need and want. Bullshit. You wouldn't be here if you were. You make money. Even with 50% going to the mortgage,

Starting point is 00:34:14 you could budget the rest. Fuck off. Off. The minimum monthly payment on here is $3,000. $18.53. But yeah, we owe $9,2797. Of course, there's fees and bullshit stupidity and dumb $3.

Starting point is 00:34:40 You're about to give up a 2.5% mortgage. This is ridiculous. I'm not going to give it up. I'm not losing the house. I'm not saying to. But well, but that's not your choice when the bank forecloses. It's not. It's not.

Starting point is 00:34:51 It's not kind of foreclose. How can you say that? They're not. What's the argument? I am paying it. It is getting paid. Objectively no, but. On the paper that you see in front of you, yes, I have been, they, first of all, mortgage company, at least this mortgage company, I don't know if it's for every mortgage, but when you are have a past due balance, they take what you are making in payments and put it in an isolated account.

Starting point is 00:35:17 And they don't apply that until the full past due balance is there. So what's reflecting on that? You're accumulating past due because you're never putting enough towards it. I don't, I don't, fuck off. But I'm making payments and they're holding it in this like, well, not enough. And you're also saying, oh, I just get needs. That's why you got the dog. I'm about to be three months past due.

Starting point is 00:35:37 And then that payment becomes stacked and stacked and stacked higher. But that's not even showing the thousands of dollars that they're holding that they're not applying to the balance. Exactly. Because you're endlessly not putting enough aside so it keeps holding even more and more until it applies. That's, yeah. And you're getting delinquency notices. This is absolutely insane. Here, don't throw away what is the most important thing to have for your kids.

Starting point is 00:36:00 One of the most important things. Utilities, food, education, and a roof. The utilities have never been turned off in my house. I'm not saying that. I'm saying it is in the same category as the absolute necessities. They're not. Necessities. I know.

Starting point is 00:36:13 I get that. And you're ruining that for a dog in $1,100 minimum on bullshit last month. Irresponsible. Discussing. I still, I want to know what they are. I don't get it. Because it doesn't sense. Well, obviously, we're going through as we go.

Starting point is 00:36:25 But that is what the accountant who went through this, yes, an actual accountant now we have going on this, qualified. Hmm. Good one. I don't know. Like, it's hard to say I can't, like, form a defensive. I don't even know, like, what's included in miscellaneous?

Starting point is 00:36:43 So what is up with the USAA visa signature card? That was a credit card that I opened when I was going through the divorce to help put down for the retainer fee. This was, oh, for the divorce? This is that new? and is this high? How much did you spend on legal? The whole divorce cost me about $15,000.

Starting point is 00:37:04 Oh, fuck. My retainer alone was like $4,500 to retain. And then I needed to give her like another $4,500 to keep the case going. You're over the limit by $300. There's no transactions on that. That is just like it's just been accumulating from the interest. Yeah, but it's accumulating. However, if you make your minimum fee payments always on time, it will never be above the limit.

Starting point is 00:37:29 No matter the interest. Never. Again, irresponsible choosing $1,100 on bullshit spending $3,000 more than you make on a monthly basis. Fuck off. You owe $7,304.56. Minimum monthly payment. Yeah, past due. What is wrong with you?

Starting point is 00:37:54 No shit, it's above the limit. No shit. above the limit. This is the first past due I've ever had on that card, ever. I am never. This card specifically. This month, like this past month, like is, because now it's gotten to the dire point of like not being able to make, not being able to make the minimum payments because now

Starting point is 00:38:11 I'm having to force it all to the mortgage. On this card. Yeah. Every card is past two. Yeah, we get a dog. What are we doing? Well, when I got the dog, I wasn't past due, I was making it. the payments.

Starting point is 00:38:29 Minimum monthly payment normally is 355, which is insanity, but now, of course, your past due, fees are being charged $359, and 22 cents of interest. What a disgusting life we're living right now. How long do you think this takes the payoff if you do minimum monthly payments only without any

Starting point is 00:38:46 purchases? Probably at least 15 years. Okay, let's try 26. 57, you'll be 57. You'll be two years away from being able to withdraw from your tax advantage, retire, account's penalty free. That's where you are in life. And this card will finally be getting paid off.

Starting point is 00:39:04 And that's actually if you make your minimum with the payments. And you don't! So, ha, ha, ha, ha, ha, good luck. I have until this past month. Guys, I have before, but right now I'm not. So it's okay that I have before, but if I'm not right now, it excuses it. What are you talking about? What are you talking about?

Starting point is 00:39:18 The first one is hurting your children. Hirting your children. Everything you are doing right now is hurting your children. The choices you are making right now are hurting your children. Can, okay. Answer me a question. Answer me a question. Sure.

Starting point is 00:39:30 Okay, $400 we at least know went out to eat. Okay, let's get rid of the miscellaneous bullshit. $400 at least went out to eat. That is $50 more than what would be the minimum payment for this credit card. Why the fuck can you possibly justify going out to eat $400 and then missing this and accumulating fees and interest and putting your kids' lives behind? You're not going to have enough to retire. They didn't consensually come into this world.

Starting point is 00:39:51 You chose to bring them into this world in one way or another. Even if it comes down to you just chose the... The thing is, they didn't consent to... to be here. However, when they are in their 30s, 40s, 40s, when you are about to retire and you don't have any ability to do because Social Security is going to be dramatically less by the time we retire. It'll still be there, but it's going to be dramatically less. However, they're going to have to put their life in hold, their aspirations, their goals, their hopeful, you know, down payment on a house. Whatever they are trying to do, they have to put it in hold to make

Starting point is 00:40:18 sure their mother doesn't become homeless because you're choosing to go live right now, $400 going out to eat instead of making a $355 payment. What justification could you, possibly have. I mean, it's like disgusting. When you put it on paper like this and I'm able to see it more clearly, but like when I see the money in my account. You've had seven months to do that. You've had

Starting point is 00:40:43 seven months to make your own individual budget. This is unexcusable. A month, I'll give you two months, maybe three months I'm going to start punching you. But it's not. Seven months, you're broken. It's not seven months because I didn't start having to do this really on my own until July. Fine. Two months.

Starting point is 00:41:00 Two months. I've had. Borderline four, but fuck off. Come on, we're in month four of that. It's like, I don't want to hear it. Come on. Come on. July, August, September, October.

Starting point is 00:41:11 Oh, yeah, use those fingers. They help you get there. Maybe you should have had the guy using them last time instead of popping out all these children you can't take care of. And I love that you have kids. You're just being horribly irresponsible with your... Well, Apple doesn't fall far from the tree, I guess. It's the way I grew up.

Starting point is 00:41:30 It's the way I grew up, too. You know what I did with that? I took that, said I didn't want to repeat it, so I changed it. I'm trying. Objectively, no. You spent $400 going out to eat instead of making your payment. This is the very first time I've had to do it by myself. You know that's even worse?

Starting point is 00:41:44 You know, that's even worse. If this is your very first time missing a payment, that means you're getting worse in life. And you chose for the very first time ever to go $400 out to you instead of making a credit card payment. The fact that this is your first time is even worse because it means you're going down. Hit 31, early 30s, going down. Mm-hmm. Does this credit card have an annual fee? Did you do a credit card transfer on this? No.

Starting point is 00:42:16 Then what you're saying does not line up. At $35? Want to know a dirty little secret? And no, I'm not starting an only... You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use dollar-wise.

Starting point is 00:42:42 It shows you exactly where your money's... going every single month, spending, subscriptions, and savings all in one simple dashboard, everything you need and nothing you don't. And when you download DollarWise today, you'll get to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. No, it does not. It absolutely f***ing does not. It absolutely does not in any way whatsoever, but you've had $280 a fee this year so far. Lady, that is eight missed payments. No, I have had no, no, no, that is impossible.

Starting point is 00:43:15 I could pull up my credit karma right now and show you. I have not had a late payment on it. That would not show up on credit karma. A missed payment would. A late payment would not. Oh, fuck you don't know. Oh, fuck. Oh, shit.

Starting point is 00:43:30 We're on month 10 and she's missed eight. She's been late on eight. Are you telling me you've missed? It's official as a miss on your credit report right now? No. No, the one right now where you're saying is the very first ever? Yeah, that's on me. I don't even get the mist.

Starting point is 00:44:10 Yeah, it's my first. Oh, you hear so far. Oh, that's insane. You've made your payment on time. Hold on, no, because this is last month, and I'm not even see in October. You've missed every month. Every month you've been late this year.

Starting point is 00:44:34 Every month, even when you were with the guy for three months, you were late. Transitioning, no, you've always been a degenerate. You're just not good. You just can't pull up an app and push a button. You're broken. Unless it's just ordering something for yourself or your kids, you can't do anything right. Oh, my, girl, you've lost, now at the point of where the statement is, you've likely lost, like, close to $350 in fees alone this year.

Starting point is 00:45:05 Oh, yeah. I... No, you're above the limit. Oh, no. Yeah. Oh, what have you done? You've thrown it all away. You've thrown it all away.

Starting point is 00:45:15 You've thrown away life. I'm going to come back. Oh, what have you? you done. I'm going to come. Yeah, you can keep saying, keep telling yourself that. I am. I'm determined. Listen, I'm glad. I'm glad you have that wanting you. You have missed every payment. You've been late on every payment this year so far. It wasn't reporting to the credit agencies. Because you weren't missed. You were late. But now they are because you are now a missed. You have one missed and every month late and three months behind their mortgage.

Starting point is 00:45:43 I'm going to be real. This is only two documents in, especially in a mother situation. this is objectively one of the worst financial situations I've ever seen a mother in on this show and it is all your fault you spend $400 going to eat $1,100 and bull- minimum probably more you've ruined it, you've thrown it away

Starting point is 00:46:04 this is disgusting this is unacceptable and you should be ashamed you should be ashamed of that if every payment we saw was 100% of necessity and then you were late and missing I wouldn't say that

Starting point is 00:46:17 But it is unacceptable and disgusting that you are going spending money on fun, even if it's fun for the kids when you're this. Because this is going to destroy them. This is going to destroy the life. You're going to get foreclosure notices. I grew up in a house with foreclosure notices. We didn't get foreclosed on. They pushed beyond it. They fought.

Starting point is 00:46:37 They fucking fought. You're about to put them through that very same situation. Even if it doesn't get to the final foreclosure, they are going to see the foreclosure notices. They might show up to school. You're not there. They see it on the thing. I will never let my kids go homeless. It's never going to happen.

Starting point is 00:46:52 Not homeless, but they might see a foreclosure notice. And that is terrifying. You are going to ruin their childhood. I mean, I don't even... The only credit card I'll let you use is the FIS card. It's a debit card that builds credit because you can't spend more that's in your checking account. Obviously, you can't manage...

Starting point is 00:47:08 So I don't even know if I want you to get it. It's good for most in the audience. But you're not a credit card person. You're not even close. You're not a debt person. You can't even do a mortgage, which is considered oftentimes a good debt, especially at 2.5% interest,

Starting point is 00:47:18 I just wouldn't even go near debt if I was you. You can't manage, you can't make payments. You don't know how to somehow. I don't know how you're that broken at 31. I've made payments. They're just all late. Not on all the cards, just that one so far. Honestly, so far, because we've only looked at one.

Starting point is 00:47:35 I don't even believe you because you were setting up this card. It's like, this is the first month this has ever happened. No, you're late every month. You just officially had your first miss reported to your credit. This is insanity. And it's dramatically above the limit. This is disgusting. And yet you go out to eat.

Starting point is 00:47:49 Fuck you. $1,500 in interest. You've lost approximately at this point, $2,000 on this card alone this year. $2,000. A third of your paycheck. A third of the hours you worked this month, last month, a third of the hours you worked went to just paying the extra things added to this card with no benefit to yourself.

Starting point is 00:48:14 Yeah, that's not great. Across all these together, I guarantee you it's about a month or two months. of fees and interest that have been added that you've just worked for. Nothing going to yourself net. Just paying back money you've already spent. That's the kind of stuff that isn't really blatant and you don't think about.

Starting point is 00:48:30 No shit. You don't think about anything you don't look at. Ashley, I've had an Ashley card. Well, why not? That's because I can actually leverage that in a decent way. You can't. There are literally fees being added. Why the fuck possibly?

Starting point is 00:48:49 Possibly why? That was the. account that we had opened when we bought the house back in April of 2023. We financed the furniture we bought on the house and it went in my name because my name... Very financed property. Had the better finance some furniture to go along with it. Let's finance everything else finance our fucking utilities at that point. Why not? Minimity payment 119.

Starting point is 00:49:09 That's just an added stack. Overall balance, $2,307.55. 20 months to pay this off. That actually gets us to the end of the promotional period. I think I think it should so that's good so I'm not freaking out about this card

Starting point is 00:49:29 what I am freaking about is one you've had a late fee this year so clearly who even knows that you'll actually pay this off by the time the promotional expiration date arrives somehow you've had an interest in crew this year I don't know how you must have purchased something

Starting point is 00:49:45 makes no sense I don't the only things that have been on that or the furniture we bought when we purchased the house just straight up I don't trust you like why would interest accrue on something that is a zero percent interest rate

Starting point is 00:50:01 unless you wouldn't and purchase something else out of the promotional thing I don't even know how I would do that at store credit I don't know I didn't buy anything from Ashley other than the first of it. I don't know! But what is terrifying to me is again

Starting point is 00:50:14 you've had a late fee so who knows if you'll pay this off in time and two it's just an other minimum of the payment stacked on top of the endless minimumity payments that make you have less money in your pocket at the end of the month and start making more progress on beating down these debts. And again, this is you kept the house. Now I'm assuming you're paying on this because the furniture is at the house.

Starting point is 00:50:36 Why are you, how much is his income? He just got a new job. So he's, he got like a 30, 40 grand a year raise more than me. What? What hits? More than you. More than me. Okay.

Starting point is 00:50:47 Then why are you taking on all the Uber expensive expenses? Because at the time of the divorce, we were making the same. So. And still, like, have him take the furniture. You get some Facebook marketplace. I don't know. I don't want him to take the furniture if it's in my name. How can I rely that he's going to pay it?

Starting point is 00:51:05 That's right. It's in your name. He's not on it? No, this is just me. So I might as well keep the furniture if it's in my name. I'm not going to give that to him. So I kind of got stuck with it. Again, on an objective level, this is not the worst debt in the world.

Starting point is 00:51:19 This is not an depreciating asset. 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.

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Starting point is 00:51:50 By any means, But what it is is it's fully 0% until it's paid off if you make your minimum payments on time. It's just not good for you because you don't. Well, this is literally the first month that I have any late fee, like have like not paid. No, no, no, no. One, it wasn't this month. It was earlier this year.

Starting point is 00:52:10 Two, on the last credit card, it's been every month this year. Shut the fuck up. Okay, but it didn't hit my credit. Like, liar or moron, I can't tell. But that still means I'm making the payment within the 30 days. Because it's not hitting the credit. Yes. Why is that okay to you, though?

Starting point is 00:52:25 Because you're accuring fees, making this take longer to pay off. It also means you're getting pushed to that edge of having it hit your credit of which last month it did on the last card. You're on that edge constantly. You're a professional edger. This is endless. I don't have good concept of the fees and interest. Of being an adult? No, you don't.

Starting point is 00:52:48 So stupid. Yeah, because there is interesting. There it is. The interest that has accrued has been through purchases. There it is. It's literally right there. So at some point you somehow figured out a way to spend this. It's done.

Starting point is 00:53:04 It's on there. You look at it. It is impossible that it did not happen. You cannot tell me it did not happen. Even if you're confused, it doesn't matter. It doesn't matter. Huh? Nine cents of interest?

Starting point is 00:53:15 No. You've had interest accrue this. No, no, no, no. Yeah, this last month. But over all this year, it's been, I mean, it's been, $4. It's not huge, but it shows that you're spending on this card and you don't even know you're spending on it. I don't even have the card. It's the indication.

Starting point is 00:53:30 It's the indication that you... It's not a card. It was a store credit account. I have no... Like... It is. That is a card. The Ashley Home for InterCard card is... It's a store card. It doesn't matter. It might be attached somewhere digitally. You may have accidentally used it. It may have auto filled online. You don't

Starting point is 00:53:50 fucking know clearly. And obviously, I can't know either. Well, I don't know what that is. Yeah, obviously. No. Glad you got to the bottom of that. Coles. Great.

Starting point is 00:54:03 Wonderful. What's going on with this? That was the Coles charge I had opened around Christmas time a few years ago. I like to use it for Christmas presents and shopping for the kids.

Starting point is 00:54:13 It's also really good for kids' clothes. And it's also really good for accruing interest in almost being at maxed out. Well, it wasn't even close to being maxed out until I was in the most recent relationship.

Starting point is 00:54:25 Why do I care what it was previously if this is where it's at now. Why would I ever give a fuck about that? If you were doing incredible now, I also wouldn't care if you did horribly back in the day. I care about where you are. This isn't Reddit and TikTok that believes whatever someone did in 2015

Starting point is 00:54:46 is what they're doing today. I would say probably... Half of that balance was accrued probably in the past year. Why? Christmas. Okay, doesn't matter. And the last relationship, he had three kids of his own,

Starting point is 00:55:03 and I was helping to pay a lot for them. Don't. That's stupid, you don't have money. As you're putting on a card of card that is coming to interest that you cannot pay off, that takes 12 years to pay off if you don't make any purchases, which we know you're incapable of, and we know Christmas is coming on up.

Starting point is 00:55:18 Oh, she's coming. Do not come. Oh, I'm going to come. Mm-hmm. We're an October lady. Christmas is not going to be great. You don't have to do a big Christmas. You don't even have to do a little Christmas.

Starting point is 00:55:33 You might have to say, hey, guys, we're f***. There is no Christmas. Let dad have Christmas because he's probably not fucked. That's what I've had to do. I've had to tell him like you have to do Christmas. Oh, shut the fuck up. You just accrued this from last Christmas. Liar.

Starting point is 00:55:44 No, this Christmas coming up, I told him you're going to have to take over Christmas. He said, okay. Good. He's going to take over Christmas for the kids. Because he's reasonable and responsible and acting like a good parent. Miner monthly payment, $80. $57.13 cents of interest accruing. Balanced $2,260.9.

Starting point is 00:56:05 I've had a late fee this year so far. Not this month, but it's been this year. You know nothing. You know nothing. You don't know what the fuck is ever going on. $500 in interest approximately this year so far. Creating a 30.24% interest rate of death. That's the highest one.

Starting point is 00:56:26 Nope. Ashley is the highest one when you make purchases of which you're unaware of. Oh my God, $3. Of whatever. No, you don't understand why that is scary. First of all, that's what's on there right now.

Starting point is 00:56:38 That's not on there at the beginning of it because more than that has been recruited in interest. So, one, you clearly just don't understand the concept of purchases and interest and balances. Two, the terrifying part isn't the dollar amount. It is the fact that it got spent on there and you don't even know how. Fair.

Starting point is 00:56:55 And your kids can no longer be an excuse for you putting things on credit. That's just can't be. That's nasty. You're the one who swipes. You're the one that makes the final choice. You're the one that budgets. You're the one that tells your money where to go. You cannot use your kids. You want to give your kids things. I want you

Starting point is 00:57:12 to give your kids things. You are choosing when and where and how and what. Stop using them as an excuse. It's disgusting. Oh! Pass due payment. Here it is. Quick silver. What's going on, lady? That

Starting point is 00:57:28 Quicksilver has been with me, I think, since college. So it's been around for a while. I think it's probably my longest open card. And just has thrown, you know, random things on it. And it's just stayed at the max. It just... It's just stayed at the max since then? No.

Starting point is 00:57:46 You're over the limit by $64. And $0.72. In my current position, yes. But in the past, I have made... Current position that we've been in for minimum four months up to seven months. In the past... I've paid large payments. Oh, I see an IRS logo coming.

Starting point is 00:58:02 What is happening? What is this episode? Continue. In the past you paid down? Again, why do I care about the past? You don't. Why do I care that you've been successful in the past? You're not right now.

Starting point is 00:58:14 That means nothing. That means nothing. Now there have been little charges that have added up that is mass. If you had a performance review, you know, your fifth year at a company, and they said this last year you've been an absolutely horrible employee, Can you go in there and say, well, don't put me on a performance improvement plan. I was really good in my first year.

Starting point is 00:58:32 That's not how this works. That's not how this works. Okay? Listen, I'll give a shout of praise. Can we bring in Christian for a second? All right, Christian come in. I'm going to slightly embarrass him. Come here.

Starting point is 00:58:50 Come here. I'll do this. No, no, no, but it's going to turn out good in the end. Come on. You're going to be a good example. Well, you're just standing for like two seconds. So come on. Christian. He's the head of Hammer Elite, the membership. He runs that whole thing. Here's the

Starting point is 00:59:06 thing. Listen, he's another example, except he's the opposite of you. It starts bad. It ends good. He, when he first started, it was wild. He kind of abandoned his work and kind of left a bolivia or something for a few months. And he quiet quit by just stop uploading and didn't do anything. And then he begged for, well, he kind of begged for a job. We didn't hire him. We hired someone else. Then he begged for another job. We didn't hire him.

Starting point is 00:59:41 We hired someone else. Then finally there was another job. We just couldn't find someone about if we need someone. Okay, maybe we'll just give Christian a chance that he started to load the bottom pole. I didn't trust him. And it took a long time to build that trust. But he was grinding. He was showing he really cared.

Starting point is 00:59:56 He put in the time, the effort, the creativity. got to know him, understood kind of what happened before, and he really built up, and now he's running this whole department, and he's doing a lot of good things. What he did in the past no longer matters because he is successful today. What he did when he first started was a mess.

Starting point is 01:00:18 But he's not judged on that. You're only judged on the fact that you are above this credit limit right now, not that you weren't before. So stop bringing up this past thing. It doesn't fucking matter. It doesn't matter. It doesn't matter what I did. Five years ago, ten years ago.

Starting point is 01:00:32 It matters what I did today. Same with him, same with you. This is what you are. And this is what an adult thinks about. Not a child. Again, this isn't fucking Reddit or TikTok where they can't get over things that people did five, ten years ago.

Starting point is 01:00:45 You seem to have that brain. All the matters is you're fucking it now. Thank you, Christian. Bye-bye. Thanks, Christian. So, shocker, we have fees $29. Added, interest $39.94. Minimum of the payment, $150 now.

Starting point is 01:01:07 Yeah, the minimum payments are getting a little out of hand right now, and that's why they're now becoming missed in late. Spend $1,100 on bullshit this month. $5 is likely the normal minimum. You owe $2,0.064. $0.72, $0.12 to pay off if you actually pay. And if you don't purchase, which I assume you do, when there's actually room to purchase. There it is. Past due.

Starting point is 01:01:30 Is your only one this year? on this card, surprisingly, shocking, but almost $400 of interest agreed. We're talking at least the whole month's paycheck at this point, interest and fees. You've worked an entire month this year just for the interest and fees, not including your mortgage. I've never seen the numbers put that way before. When it's put that way... Well, how do you look at the numbers? I look at what I have available to spend, and then I spend it.

Starting point is 01:01:55 But you have nothing available to spend. Oh, I'm aware of that now. with the way the minimum payments are and the fact that I've literally had to miss payments to pay mortgage, yeah, not great. Reprise financial. What even is this? That is a personal loan for the lawyer. Oh my fucking other thing for the damn lawyer.

Starting point is 01:02:15 Yeah, it's expensive to get divorced. It is. Why was this so messy? Why couldn't you guys agree on anything? It took over a year. Because it took a shift last October where we had to refocus what we were doing. To from...

Starting point is 01:02:29 I don't really want to get into it, but... Mm-hmm. It was just the lawyer had to put in more work to rework the divorce decree. Basically having to start from scratch. So I needed to give her basically to retainer fees of like $4,500 each. And the majority of it, as you could see,

Starting point is 01:02:55 was not, you know, obviously money out of pocket. It was through personal loan and a credit card. $3,3,395. 90 cents owed. Minimuth to payment, $112.10. It just stacks, man. It's just stacking. I can't figure out what the interest rate is.

Starting point is 01:03:14 Do you know the interest rate? No. Actually, well, I don't know. Total fees and charge of other charges. Is there an interest rate on that? I mean, maybe, or maybe it's interest free for a bit. I don't think that that one has an interest rate, if I'm being honest.

Starting point is 01:03:28 For now. Highly doubted zero forever as a personal loan. That would be crazy. Everyone in the world would be taking it out. for everything, for investing even. Well, that's specific for like a law legal group. Like, they allowed you to finance through the legal group. No, I think, I think that was one of the personal loans I got through credit karma.

Starting point is 01:03:46 That definitely not zero percent for long. I'll tell you that. Now, why the fuck is the IRS logo in front of me? I can explain that one. Well, I, okay, correctly, let's find out. So when me and my ex-husband were still married back in 2022 and 2023, he was working two jobs. he was not having enough taken out in taxes from the two jobs. I had enough taken out for my job.

Starting point is 01:04:13 When we went to go file married joint, we owed a lot because he wasn't putting enough away in taxes from the two jobs. So for the year 2024, when we filed, he was going to owe, I think like together we were going to owe like 10 or 15 grand. Yeah, welcome to taxes. You guys made money.

Starting point is 01:04:32 You have to pay your share. He made a lot more than I did. And again, I was paying taxes properly on my portion of income. So I didn't want to be attached to all of that and have to split that down the middle. It was cheaper for me for us to file married separately. And then I wasn't able to claim two of the kids. I let him in order to make up some of his debt. And that's still what I happen.

Starting point is 01:04:55 If you're sweating it down the middle, no shit, right? Isn't that obvious? So the divorce decree says that we can, because we have an even number of children, we can each claim two and two. Yeah, so it's fair. So what's the issue? So from what I owed or what I would have owed, because we still had to file married separately,

Starting point is 01:05:11 we were still legally married as of the last day of last year. We didn't finalize until this past January. So filing married separately, I owed my portion three grand, and I wasn't able to make up the difference for that because I let him claim all the children to offset his IRS costs. Why? Why would you do that? Because I was trying to be a nice person.

Starting point is 01:05:34 I know, but that's, it's not even fair. Is it? Well, because he was saying that we would just file married jointly, but then I didn't want to have to split the 15 grand that we were going to owe down the middle. Why would you have to split it, not him, if we were kind of aligned? Because that's what he was arguing with the divorce lawyer was that it would have to be split expenses. Like, that's like split down the middle. Like what we owed.

Starting point is 01:05:57 Well, 3,000 is not as bad as splitting 15, so okay. That was the only way. It's owed in approximately, well, 100. in 10 days? I have to set up a payment plan with them. You have? I have to. Dude, you have 10 days until fees and interest are going insane.

Starting point is 01:06:12 I had a payment plan set up with them. It fell through because it wasn't, because the payments weren't going through because the money wasn't there. Oh, you, what the fuck? I mean, they can garnish. Well, all they have to do is garnish one of my paychecks and then never have to worry about it again.

Starting point is 01:06:26 The money wasn't there yet. 1,100 on the bull. This still doesn't make sense. I still haven't seen what this shit is. So, questionable if it was not. Not spending yet. Obviously doesn't seem to be on the credit cards.

Starting point is 01:06:38 Yes, I am fully admitting there is a spending problem. There always has been. As long as I've been able to have a dollar in my pocket is burned a hole. Then how can you say the IRS set up a payment plan but failed because there was no money there? That was your choice. You're right. The priority wasn't on that. Your taxes?

Starting point is 01:06:54 Your priority was on McDonald's over taxes? My priority was my fear overcoming the fact of like, how am I going to tackle this? What? I've never been, I've never had any taxes. owed to the IRS. I've never, you're right. And but. Well, how does your fear not lead to action? If I'm afraid of something, I go crazy. I go because as you're realizing, it is accumulating to so much that I am like internally starting to shut down. Like it's, it's too much to eat all. So you're going to let it happen

Starting point is 01:07:21 even more, making the fear even greater to overcome? I'm having a hard time prioritizing what needs to go where first. I know that I have them. I have the income. I have the math. The math is going to math. It's not mathing right now because of where I've accumulated everything, too. The minimum payments, the IRS debt I had to take on, the divorce money, like, between paying the lawyer, trying to get through my divorce, the loss of income for the first time ever in my life, everything is coming to a head, and I don't know where to tackle it first. I have no idea where to start. No idea. Sounds so reasonable, but the answer is literally going out to eat and the other bullshit.

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Starting point is 01:09:55 slash small business. The thing is, if you say, I don't know where to start first, make a budget, and then you know. It's not complicated to make a budget. You get the budgeting course. You get all the good stuff. I mean, I have never, my entire life, I have never. You keep saying that over and over again. Because it's true.

Starting point is 01:10:13 But that doesn't make sense for four or seven months, whatever we want to call it. You've had the opportunity to learn. It is not complicated. Nothing here is revolutionary. And I have, yes, hundreds of thousands of people have improved their life from the show. And my life has been absolutely chaotic. It's my life. Everyone's life is chaotic in different ways.

Starting point is 01:10:34 It is incredibly harder as a single mom. I'm like I have. That's a brand new thing. It is a brand new thing and you bet in bad debt before that. I was, you're right. You're absolutely, I'm not denying that. So I'm not going to use that and cry with you on it. Like shut the fuck up.

Starting point is 01:10:49 The last card we talked about, you're like, it's been up and down ever since I got it in college. It's not single mom. No, it's not. So, like, what is that? What is that cope? So the habits carry through. The habits carry through.

Starting point is 01:10:59 And then I have never got to grieve my divorce and grieve the last relationship. No, because I was, I distracted myself with a new relationship. No one died. Who chose to divorce? I did. Then I'm sorry, I'm going to tell you to shut the fuck up. It's still a loss. We had a whole life together.

Starting point is 01:11:22 Yeah, you guys split 50-50 and including custody, which means you guys see each other and you guys are near each other. And you're the one who's. She chose to kill it. Yeah. And you're the one who chose to do it. I don't know. It's hard for me to have sympathy on that. If you're not the one who chose, I get it.

Starting point is 01:11:36 But if you've never been married and gone through a divorce and had kids, then you can't really say, can you? Because... No, but you're still the one to do it and I've chosen to break up with people. It's not the same, but it was still your choice. And when you literally are married and have children and have those intimate moments in life. You chose to do. I did choose to do them. And that you chose to stop.

Starting point is 01:11:51 That doesn't mean that it doesn't hurt when it ends. Have the chance to grieve. Okay, fine. You get a chance to grieve. Why does that mean you completely your life while your chance to grieve? Seven months since the divorce. Because I'm learning.

Starting point is 01:12:01 A year in seven months since you decided a divorce. I'm learning for the first time in my life to... Oh, here we go. Broken record. I have never had to manage a household independently. Never in my adult life. Doesn't matter. If you were just a single whatever person, no kids, fine.

Starting point is 01:12:19 You get that choice. You have kids, you don't get that choice. You don't get that choice. You're right. And I... It's not an option. In my entire life, I have relied far too heavily on my financial partners that have contributed. It's true, though.

Starting point is 01:12:34 I have always had someone to back me up. I will be the first to admit. I was not a responsible financial partner. You are not a responsible person. I'm not responsibly financially. Yes, no, you're right. Snap finance. Why do you have SNAP?

Starting point is 01:12:49 Isn't this usually tools? What's SNAP? Snap finance. That one is, uh, that's my car repairs. I had to have my car repaired this summer. And I'm sorry about like four kids have to get around places. Like I had to do something about it.

Starting point is 01:13:04 Oh my gosh. You just bring everything back to get like no. It is a kid. Like you need a car regardless. It has nothing to do with the fact that you have a kid. Like I get it. Shut the fuck up. You can also Uber with kids. I'm not saying do that.

Starting point is 01:13:14 I'm not making that argument. But the thing is every time there's anything you fall back on, I'm kids, my kids, my kids. Like shut the fuck up. People do things. People have kids. You're not a crazy unique person. You're crazy. People have kids, yes, I know.

Starting point is 01:13:30 Like shut up with it. It's obnoxious. $1,660.24. Minimum monthly payment, $85.43. Byweekly. Oh. They take that every check. And when I had to have the repairs done on the car, I was under the impression that I would be able to pay it before the 100 days was up. and now there's like not an interest rate on it, but they're charging me two grand basically to like... To have it.

Starting point is 01:14:05 What was the repair you needed? I had a giant hole in my canister underneath my car that needed to all be fixed. What car do you have? 2022 Chevy Traverse. Okay. Fortiva. Yeah.

Starting point is 01:14:18 What the fuck even is? It just looks like another credit card. Four Tiva was the company that financed my Vivint Eclipse. for the home security system for the house that we got when we first moved in in April of 2023. I was left unattended with the salesperson that came to my door and I signed up for... Oh, you have no responsibility or ability to think for two sons. My husband at the time was out with my son and they came to the door and I was like,

Starting point is 01:14:45 yeah, we need home security. That sounds great. And I signed us up for it. What is wrong with you? And now interest and fees are accruing. balance $1,990.10. Minimals to payment, $98.75. Yeah, they gave me a credit card.

Starting point is 01:15:01 Yeah, they did, and they made a $1,000 of money off you. Well done on that. Basically maxed out, so it's almost like it just happened. Nope, nope, you were above the limit. Literally last month. Kill me now. Yep. Late payment.

Starting point is 01:15:13 Who would have thought? $41. Fee. $32.75 cents interest. Oh. You've had three. late fees this year. But none have hit my credit.

Starting point is 01:15:29 Doesn't matter. It's more money you owe. You dumb. I've never... Thousands in interest and fees. I have never paid attention to that. Why? Like, I guess just ignorance. Like, I just don't...

Starting point is 01:15:44 Ignorance? Yeah. In what way? Well, ignorance of like... You didn't even know it to look? I mean, I know that there's interest being added to it. I know that there's fees, but I'm not looking. I don't know if that's ignorance.

Starting point is 01:15:55 That's more well. Willful, yeah. Yeah. That's neglect. Which is your responsibility. That's not ignorance. I can relatively excuse ignorance and call it out and yell at it, but just willful neglect is, you.

Starting point is 01:16:06 You're just bad. You can't, you, you can, you should never be someone who's around debt. I'll get you a course career certification. Counting, take an accounting thing. You don't need it for your career, but you need to learn accounting for your life. You need to look at documentation. Usually people get that in the audience and then they get a higher paying job, but you just need be able to look at your damn accounts.

Starting point is 01:16:28 Yeah. And again, with these fees and everything, if I got you on the Weeble app, it's the app I use for individual investing. Okay, if I got you on that, with the sign-up bonuses and everything that we have, you know, link in the description below, all the good stuff, it's hundreds of dollars.

Starting point is 01:16:42 Even that alone is nothing. Compared to you just sitting here taking late fees, thousands of them, thousands of dollars of them, tens of upward of the $10,000 dollars of interest. Like, it's insanity. none of the best benefits you get out there through sign-up rewards or investing in the market, you're losing to everything because you're completely f*** with your decisions. Is that all your debt?

Starting point is 01:17:06 No, this is a personal loan. No, that's my car. That's my car loan. You said it's a 2022 Chevy Traverse? Yes. $26,708.74. What the fucking? What's the interest rate on this?

Starting point is 01:17:24 6.25? It's not, it's, it's, in that middle ground of like, is it bad, is it good? It's not good. With the car. So this, and my ex-husband will tell you, and I think he stands by this to this day, this was the worst financial decision I had ever made. What do you think it's worth? It's worth about 20, so I know I'm about six grand underwater.

Starting point is 01:17:45 Just about. So. What's your minimum of the payment on this guy? 518. Ooh, they're stacking. That's a long term, too, then. It is long. It was like 72, I think.

Starting point is 01:17:57 For the sake, you're going to have this forever. I mean, I anticipated it. I will never buy a new car ever again, though. I hope so. We'll see. Who knows what guy you'll get in your life next that convinces you to? No. I don't think a guy could do that.

Starting point is 01:18:10 Anyway, so me and the ex-husband almost went through divorce back in 2022 when I purchased this car. And this was kind of like my, Q, I'm going to go get the car that I want. Oh, what a good wife. What a good partner. spouse, what a good mother. I mean, we were like drawing up divorce papers. Like, it was that far gone. And I was like, well, then I'm going to go get the part I want. Why? Why were you almost getting

Starting point is 01:18:34 divorced then? Same reason we got divorced now. What was the same reason? It was just we didn't get along. Oh, yeah, tragic that you got divorced then. Well, we got pregnant very early on in our relationship. So we tried to do what we thought was best and just stay together for the kids and obviously that didn't play out.

Starting point is 01:18:51 Yeah. We did that pretty well. You're good at one thing. taken dick anyway so my friend my co-worker her boyfriend was a car salesman and I was promised to have a great deal

Starting point is 01:19:09 and they added about 10 grand worth of stuff on top of the car that I had to later get off including additional like bumper to bumper warranty they tinted my windows like things that were I just wasn't like

Starting point is 01:19:24 didn't read the fine print about and I overpaid by, yeah, about 10 grand on that car. And so originally... Oh, the interest isn't great. The loan that I had through the dealership, my car payment was like $8 or $900. $1,500 in interest. And then I had another coworker who recommended

Starting point is 01:19:45 I go through the credit union to get my payment lower. Student loans for nursing? Yeah. Student loans, yep. Student loans to be a caddy. Do they teach that in nursing school? To be catty? Yeah, to be a drama queen.

Starting point is 01:20:02 You learn on the job. 34,893. Look, I've had student loans in a while. I feel like everyone's been non-student loans these days. It's interesting to see it, especially the federal. Oh, why is it in forbearance right now? Oh, you were in PSFL or something. Well, so no, they put me on, like, because of the flooding we had in the area,

Starting point is 01:20:26 there was some sort of, like, deferment that they automatically gave me. Fudding we hit. Back in July, the flooding, the floods. You remember the great floods, right? Yeah, the great floods that affected far, far west. Well, they said I was within the area, and so I took the forbearance. Well, interest is accruing while you don't have to pay. So well done on that.

Starting point is 01:20:53 Top one being at 6.54, of which I would pay off quicker than minimum even would suggest. You have these going through 2049. That's the estimated payoff. Yep. School's expensive. What was your minimum monthly payment? Like 234? Yeah, that sounds about it.

Starting point is 01:21:13 No, you're lower. And then they, uh, we did like the save plan. Ah, that's probably why you're actually, like, listen, you'll start facing punishments next year. Oh, shit. Next year, next summer, like nine months from now, eight months, just about. When it came out of the- But you can get on the rap plan, the repayment assistance payment. I saw that, yeah.

Starting point is 01:21:33 That is the new Trump administration's plan. for you and your income, I could see you doing about, I could see your payment being about $100,50. That's not bad. Because with the save right now, what they put me at was like $133, I think. Yeah. So it would be pretty similar.

Starting point is 01:21:47 It's just because you don't have a bad income by any means. Yeah. Okay. Well. Okay. Pancy, but, okay, is that the end of your death on? Oh, this is a due date. No, what is this?

Starting point is 01:21:59 What is this? Pancy. What is this? That's a private student loan. You're past. in your private student loans. Really? Really?

Starting point is 01:22:08 A $62 10-cent payment? Really? $400 going out to eat and you surpass due on this? Why? Just why? Well, because when it was due, the money wasn't there

Starting point is 01:22:21 and when I wanted to go out to eat, the money was there. Oh, what a disgusting. What a disgusting. I just, I'm losing sympathy with anyone who says they can't afford to live in this country anymore. I really am.

Starting point is 01:22:32 Knowing that even by all disposable income after all necessary expenses to live, which is typically what disposable income is and like it's true its sense, the poorest states in the United States have more than the average median person in the entire United Kingdom. We do so well here. Even the poorest among us. I am losing sympathy. Look at you. You make money and you squander it. You f*** it all. And then you say, I can't play more bills. Yes, you can. You're a degenerate. What a joke. 62 is your normal minimum

Starting point is 01:23:10 monthly payment. Of course you have double right now. 6210. I don't know what the overall balance is. What is it? Can you tell me? Like 3,400? There's 3,785,000. I'm even like crazy when it comes to the loans. Interest rate is 8%

Starting point is 01:23:27 so that's not good. So that's not good. Late fees, late fees, late fees, late fees, late fees, late fees. All good. $7 in our checking account. Literally $8,553 came in and there's only $7. $79.

Starting point is 01:23:38 left. What a joke. Started with two. Started with two dollars. Amazon Prime. Zellin out 115. Amazon Prime. Going in and getting some bull. Hey, when you stop in the store and you only get like a few dollars of things, what is it?

Starting point is 01:23:59 Like. Because it's never groceries in America. We don't do that way. We go, we bulk spend and then we take it home in our nice big old pickup trucks. That's freedom. We don't do the European, walk to the grocery store, get what we need for the the day model. So what the fuck are you getting?

Starting point is 01:24:13 If it's at H-EB, it's probably like a gallon of milk. Well, if it's, I don't know, I think I spent like $11 on like band-aids and first aid stuff my kid needed. I'm having a hard time. Believe in trust you based on everything you have done in this conversation so far, not even knowing you had late fees and stuff. Smart Hub, $127, winning, got some bullshit. $10.18 cents from Target, $83. I highly, and then another target $12.95.

Starting point is 01:24:41 I doubt you're just endlessly going in and getting only necessities. Apple cash sent out $14.4. Listen, you're probably not an energy drink person, are you? No. Because that's okay, that's what most people stop it and get. And honestly, again, just like making your coffee home instead of getting Starbucks, get the fucking gamer subs. You can take one of those free samples right there.

Starting point is 01:25:00 You guys can get free samples link in the description below. Type in code hammer or get 10% off when you purchase the gamer subs flavor of your choice. It's 25 cents a serving It's like making your coffee at home Instead of going to Starbucks Which you should be doing instead So that's what I would say Good, you're making your coffee good

Starting point is 01:25:18 And make your energy drinks at home too Why not? It's so easy and it's so cheap Movie Theater Movie Theater Amazon When I got some bullshit Or it's a restaurant I can't tell Betterment on 100 bucks At the end of John 103

Starting point is 01:25:32 7 Oaks Coffee Taylor Swift Shop You It was all necessities, guys. PayPal on out $9.50. Fan fix. Pan fix? I think that's like a...

Starting point is 01:25:45 Good material? No, like a subscription on Amazon for something. Crunchyroll? Spotify. Zellin out 30. Winnie got some bullshit. Edmond out 60. Austin Airport.

Starting point is 01:26:01 Zelling out 20. Etsy. Door dashing Wendy's. We're door dashing, but we're not paying our mortgage. Die. Amazon. Amazon.

Starting point is 01:26:07 I'm not door dashing anything, actually. Okay. Doordashing Wendy's. Why is that on your checking account? Titt? That was when I was back home for my friend's wedding. Oh, that's when I door dashed Wendy's even though I... Whatever, darned her Wendish Wendish.

Starting point is 01:26:19 Oh, my God. Hey. I was home for my friend's wedding. Hey, you didn't pay your mortgage. I don't give a... You didn't pay your credit cards. I don't give a f***. When I got some bullshit.

Starting point is 01:26:28 Amazon. Vendeman on 175. Cooper's gift. Amazon, Amazon. Pull up that Amazon, by the way. We're about to go through it. Apple bill. Got some bullshit.

Starting point is 01:26:38 Winning the Buckees and got some bulls. care.com, recurring purchase. That was a one-time membership. I had to find a babysitter while my mom normally watches the kids. Okay, went and got some bullshit. Rose's Cafe. When ain't got some bullshit? Amazon.

Starting point is 01:26:54 Taking the toll roads. You do not have to. I know where you live. You don't have to. It just takes a little longer. It's okay. You should not be paying for tolls. You should not be paying for tolls.

Starting point is 01:27:04 If you can't pay your mortgage before they close the six, I pick it. I get the toll roads. If you can't pay your mortgage, no tolls. No tolls. Bulls. What do you want to see on my? Uh, your order. When you need to build up your team to handle the growing chaos at work, use Indeed

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Starting point is 01:27:43 This is a job for Indeed sponsored jobs. Page Academy Sports. When he got some bullsh... Bulls, scooters coffee, Amazon, Lucky Rabbit. Academy Sports. Bullshut at Academy Sports. Georgetown Youth. Yeah, but you went and I got a drink or a soda or whatever.

Starting point is 01:28:02 Zelenar 150 bucks. And there's the animal. Venmoing out 240 and Venmoing out 80. Are all the Venmo's going to the X? All the Zells? Where they're all going? Venmos are going, they were going to the babysitter. And then helping my mom and my brother financially.

Starting point is 01:28:19 Screen recording, blocking out all private information. We got a book for the kids. Don't need that. Shirt shirts, don't need that. Cute fluffy toy, don't need that. Keychain, baseball ID badge holder, don't need that. Aesthetic rainbow ID badge holder don't need that. Another one don't need it.

Starting point is 01:28:36 Bluetooth mouse, maybe. I don't think it's 100% unnecessary. height's adjustable rectangular computer monitor thing don't 100% need that in order to survive coloring pencils don't need it Giant Rainbow 5 balloon number 5 don't need it 18 star balloon don't need it Pixel cube foil balloons for Minecraft

Starting point is 01:28:53 don't need it 48 piece cat cupcake thing don't need it stickers don't need it Minecraft creepers don't need it Minecraft stuff don't need it A 5 balloon more balloons more balloons more cupcakes more suckers more squishy toys My twins had their fifth birthday party party Yeah I don't give a f you can't pay your mortgage

Starting point is 01:29:09 They have a mortgage. Sox, baseball socks, I will accept that one for the kid. Because I would rather them do that enriching things than get balloons. They have a birthday party. They honestly, 100. It is so much cheaper to buy balloons. You did not need to do balloons. Yeah, but look at how much you spent on all this.

Starting point is 01:29:25 All stacked up. Goody bags, balloons, cupcake toppers. That should all cost money. I agree. You're not paying your mortgage. The roof over their head is literally the most important besides food. Sandwich cutter. Fuck you.

Starting point is 01:29:38 They have to bring their lunch Shut the fuck up You don't need a sandwich cutter You have a knife You don't cunt I don't care You have a knife Cat ear headbands

Starting point is 01:29:47 For the birthday I don't care You can't pay your mortgage Leash okay You shouldn't have got the dog Collar okay Shouldn't have got the dog Balloons balloons

Starting point is 01:29:55 Endless balloons Endless stickers Endless Minecraft Endless bullshit It's all Nothing in here is the necessity I will accept the baseball shoes That is it

Starting point is 01:30:02 And the collar and leash Because you at least need them But you shouldn't have got the dog Bullsh Bullshit bullshit When is I got got some bullshit, when inside I got some bullshit, got Starbucks, McDonald's. Now, when inside got some bullsling TV, what the, who even gets that?

Starting point is 01:30:14 When inside I got some bullshit. When inside, got some bullshit. When inside, got some bullshit, YouTube, Google YouTube Prime Time. I don't even know what that is. That's crunchy roll. When inside, got some bullshit. When inside, got some bullshit. You're always getting drinks, snacks at the baseball park with the kids. Bullsh, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, all going inside, getting some bullshit and getting some drinks and snackies at this park.

Starting point is 01:30:40 Pack your shit. I don't give a fuck. Yeah, look at it. Look at it. Uh-huh. You're damn right. Minimum 1,100. It is likely more closer to 15,600 in bullshit.

Starting point is 01:30:51 I don't want to f*** in here. Any balance in this, $3. Oh, good, Zelenat, $1.45. Any balance, $3.96. Ridiculous. Retirement at 31. Yeah, her kids are going to have to deposit her life and take care of her. 1,718.

Starting point is 01:31:07 Wonderful. That's her rollover IRA. So pass 401K. Oh, and that's our retirement. Oh, my gosh. What a joke. Fanfic, uh,

Starting point is 01:31:16 yeah, isn't it a fan fiction website where they write smutty fan service stories? That's definitely not what I'm paying for. It's a subscription. I don't know which one it is. You sure?

Starting point is 01:31:26 The seven-year-old's not becoming a little gooner? No. Oh, my God. Okay. I have, yeah, no. Wait, isn't, how much was it? I don't know. I don't have it in front of me.

Starting point is 01:31:40 anymore. That might be the cost of Amazon Prime. No, no, it's fanfic, dude. I don't know. It would say Prime. Okay, income $6,000. Okay, mortgage is typically, if you're responsible, which you're not, $3,018

Starting point is 01:31:56 and $53. That minimum of the payments outside of the mortgage is $1,570 and $81. Gas, electric, internet, all those utilities combined, how much? Average month.

Starting point is 01:32:12 130, 150. It's just average. Come on. I mean, like probably 400. Okay. Gas, boom, boom, drive, drive. Including insurance. Gas.

Starting point is 01:32:30 Oh, gas. Sorry. Like, 150. Car insurance. 250. Phone bill. 144, and that's rolled in with my inner.

Starting point is 01:32:43 net. It's bundled. Okay. So I should take away from the utilities? No, I, that's including... Okay, if you ever want to separate it, do helium, it's great in Austin because T-Mobile's great here, same towers. $15 a month. $700 for food. I think I could actually go a little lower because you split half-time. No, $700 is good. Because you split $50.

Starting point is 01:33:02 I don't come anywhere close to spending that. Well, no shit, you don't. I don't give a fuck what you do. You're meal prepping. You're using the cookbook. You're using the budget sheet that we give you, the education. Yeah. You're cooking a few times a week. I don't care if they love the food. Your meal prep, meal prep, meal prep, few times a week warm things up.

Starting point is 01:33:18 Overnight foods. It's a lot of things like that. You're only getting them 50% of the time, so I don't give a f***. TP fund, anything else you need to survive. This includes you, your kids, in sports funds. I will try to do 250s, toothpaste, all that good stuff. Yeah, sure. It goes to new socks, all that good, goody, goody, goody.

Starting point is 01:33:32 Medical health care, any co-pays on a monthly basis? Maybe like 60 bucks. Is there a gym? There is. How much? 36. $50 for pet insurance. Make sure you get it.

Starting point is 01:33:43 I don't have a pet insurance. I know you will now because no way you can afford to keep this dog alive, which is why it's irresponsible for you to have gotten the dog. $50 pet insurance. How much for pet food? Like, $21 a month? Subscriptions, I'll try to do $35. A lot of my subscriptions are also rolled into my internet.

Starting point is 01:34:04 A lot of your subscriptions will be canceled as well. Anything else that needs to be in your budget that I have not taken an account? No. These are the necessities. These are the, you're living down in the dirt while you are trying to paint off that and get above water. That's what this is. This isn't your budget for the rest of your life, nor would I ever want it to be, okay? This is a sacrifice budget.

Starting point is 01:34:30 This is a temporary budget. This is a f-f-you-you-need-to-do-it budget. I don't know if you have a choice. You really don't because you're over by $685. $5.34. So I have good news. The good news is on the weeks that you don't have the kids, you are doing Uber Eats and DoorDash or you're doing, you're picking up extra nursing shifts on the weeks that you don't have them. Even if you do have them, I would love to see you do it. If you can make an extra $2,000 a month. Easy. Easy? Okay. Well, I'll take your word for it. Well, yeah. I mean, nurses are always in need.

Starting point is 01:35:12 I can pick up shifts any time. Yeah, but I have help. My mom helps me a lot with a lot. Well, if that's the case, can you make $3,000 extra a month? How much? $3,000 extra? That's pushing it. Okay, call it $2,000.

Starting point is 01:35:24 It gives you an extra $1,300, we'll call it. Listen, the debt outside of the mortgage, $86,3708,000, $0.45 cents of bad debt, $1,300. You can pay off debt in 66 months. Yeah, I mean, you can pay a debt off a debt off of a mortgage. about five years. Your income will scale. It'll increase. But it's five years to sacrifice and really working your ass off. But it's worth it because, again, I mean,

Starting point is 01:35:48 a kid won't even be graduating, uh, or a kid, one kid will be close to be graduating high school and you'll finally be independent. They won't have to take care of you and the rest of the kids are going to live a great childhood. It's a temporary sacrifice and it's totally worth that then you get a fully funded emergency fund and then you're living 50, 25, 25% of money, 50% percent of needs,

Starting point is 01:36:04 25% of fun, 25% to investing. Your income should catch up and you'll make more money to where that mortgage should be closer to less than 50%. And your needs, you will keep tight so you can have fun. But if you need to stretch your needs to about 55%, you then do 20% for fun, you do not take away from investing because you need to catch up on investing.

Starting point is 01:36:22 So that's what you're doing from here. That's it. It's going to be a five-year process call at six after you have the emergency fund, then 50, 25, 25, 25, or 55, 20, 25. Let's get this Hammer Financial Score. And we'll jump into the post show. Hammer Financial Score. spending and of oh sounds like we might be calling the ex-husband in the post show because apparently

Starting point is 01:36:46 he's coming in and always bailing around okay we're going to call the ex-husband in the post show let's get the hammer financial score okay spending your budget you overspent zero out of ten debt you have irs debt zero out of ten emergency fund nothing in saving zero out of ten retirement barely started one out of ten for your age real estate is the only thing you have to your name however it's too high of a minimum of the payment for your income and if you sold the day you'd lose money so it's not that great, but at least you're in the market, and you can ride at some point. That gives you some credit, but four out of ten there. Actually, I'll give it a five out of ten, because the interest rate is incredible. It's going to be a Hammer Financial Score 1 out of 10. Click that join

Starting point is 01:37:18 button or use the link in the description below, guys. Join Hammer Elite three premium shows posted every single day Monday through Friday, including an extra 20 minutes of this episode, which is called the Financial Auto Post Show, and I'll see you there where we call the ex-husband and confront her. I'm with your ex-wife. How much debt outside of the mortgage do you think Taylor has? $40,000? $85,000. I can take the house from it. 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 - $530,000 Of Taylor Swift Debt | Financial Audit

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